How to Use Personal Loans for Debt Consolidation

If you have high interest credit cards, a tax debt or medical bills piling up, you may be wondering how you can pay down you debt without resorting to bankruptcy. One option that you may want to consider is a personal loan. Personal loans can be great for debt consolidation as they can be used however you want or need to use them.

How Consolidation Loans Help Obtain Debt Relief

Let’s say you owe $5,000 in credit card debt as well as $1,000 in tax debt to the IRS. With a personal loan, you may be able to consolidate those loans at an interest rate of 8 percent or lower. In addition, you can get rid of any liens against you or end wage garnishment that may be reducing your weekly take home pay.

Where Can You Get a Personal Loan?

There are many options available to you when it comes to getting a personal loan. For instance, you may try to get a peer loan in which another individual or a group of individuals fund your loan at a set interest rate and repayment period. You may also want to talk to a local bank or credit union about obtaining such a loan.

Can Your Parents Give You a Personal Loan?

Yes, your parents or another family member could give you a personal loan if he or she has the money to do so. However, don’t be surprised if your parent or family member asks you to sign a promissory note to ensure that the money is repaid in a timely manner. This can act as a powerful tool to help you with money and debt management both now and in the long-term because you don’t want to leave a debt to a family member unpaid.

How Are Peer or Family Loans Different Than Crowdfunding?

You may have noticed that some people have set up websites asking for donations to help pay bills or consolidate debt. In such a scenario, you are essentially asking for free money. With a peer or other type of personal loan, you are guaranteeing that you will repay the money with interest by a certain point in time. There may also be penalties if you fail to repay the money on time.

If you are struggling to pay your debt or simply want to lower your interest rate and save money each month, a personal loan may be right for you. There are plenty of lenders willing to work with, which means it is likely that you can find a loan with reasonable terms to help you with your debt relief quest. You can find more info at the Credit Counselling Services of Atlantic Canada website.


The importance of magnesium chloride in industries is notable. It is commonly applied in many sectors due to its large presence and its cheap acquisition costs. It is used in road gritting to ensure dirt is cleared. It is also beneficial in clearing dust in building sites and roads. The applications of this compound are immense based on its properties that allow its use across all industries. Its hygroscopic nature allows it to be applied to dusty places to hold the dust on the ground. By doing so, dust particles are not able to escape to the air.

Magnesium chloride is used to form an ingredient used in foods. It forms a powder called tofu by mixing with soymilk. It is evidently important in the culinary sector. It is also added to formula milk fed to babies. It is a compound added to most foods sold to consumers and acts as a mineral supplement.

Plants need several minerals for growth. Magnesium chloride provides magnesium to plants to correct deficiencies in mineral content. Its use in farming is important since it is majorly used to replace magnesium sulfate. It is a preferred compound due to its high availability in the environment; this makes it reliable.

Magnesium chloride is an effective disinfectant used in treatment. It is now commonly used in preventing tissue damage despite its initial introduction as an antiseptic. The rise in its preference has been due to the prices associated in acquiring the compound. It is cheap and convenient to use hence can be easily administered as a treatment alternative. Some developments in its use include its application in crustaceans, oysters, and cephalopods as an anesthetic. It is also important in treatment of nutrient deficiency in humans. Chloride enables digestion by producing hydrochloric acid. The benefits of magnesium chloride are impressive. It is used as a solution to cleanse wounds on the skin.

Fire management
It has been used in the production of fire extinguishers. It is an important component in the making of gaseous extinguishers. Magnesium hydroxide reacts with hydrochloric acid to form a liquid used in extinguishers when combined with water. Companies that make fire extinguishers find this compound as critical to survival of their products.

Textile manufacturing
It is commonly used as a dye and as a compound in removal of waste in manufacturing industries. It does not only provide a cheap option but is also readily available for industrial use. It is used in printing mills to treat water and waste products.

Cement production
Magnesium chloride is used in the form of flakes in oxychloride cement. It is also available in pellets majorly used in winter due to easy distribution.  Additional resources can be found at Innovative Surface Solutions.

Want to see all the sights of China, but don’t know where to start? If you’re looking for a vacation with all the information, then look no further than the China travel packages from Tour East Holidays. China tours from Tour East Holidays are as diverse as they come, filled with classical scenery and modern sensation that you have to see in person to believe. The secrets of the orient have never been this attainable, with vacation packages that will leave you wanting more.


Live the life of history in Beijing

Go on vacation in the capital of the once intimidating Middle Kingdom, and marvel at the contrast of history alongside the features of the modern world. Beijing city is host to some of China’s most iconic historical sites, including the famous Tiananmen Square, the Forbidden City and the gorgeous Great Wall of China. With the Beijing City Stay travel package offered by Tour East Holidays, travellers can plan their vacation according to their preferences (and pocket!). The Beijing City Stay is four days and three nights with a private guide that will ensure that every second of the China tour is worthwhile. With the privately guided tour included in the travel package, making arrangements is a breeze even in one of the most populated places in the world.


Feel the ground under your toes in mystical Chinese nature

If the rush of city life only gives you hives, then this travel package is ideal for your vacation in China. Take your China tour to the quiet nature scenes of old, and meditate at the peak of the Yellow Mountains or Huangshan. Feel your mind drift away on Hangzhou’s West Lake or experience the Great Wall of China in all its majesty. With this tour from Tour East Holidays, travellers and a group of their friends (or possible new friends) can float through Hangzhou, once described by Marco Polo as:” “Without doubt the finest and most splendid city the world.”


Take yourself to Shangri-La

Tour East Holidays has a China tour available for every type of traveller, even those who are more interested in the magical and quirkier part of the orient. The stone forest filled with massive limestone formations, folk dancing performances and an old Tibetan Monastery. This traveller’s package is ideal for those who always dreamed of backpacking, but who don’t want to miss out on the comforts of home. Tour Yunnan and Shangri-La with Tour East Holidays and make those old dreams a comfortable reality.

If you need a temporary way to get around, you need to consider car rental. You might want to rent a car while you are on vacation, or you might just want a change of pace. Sometimes, unfortunately, you may need a rental while your car is being repaired.

Whatever you need a rental car for, doing a little homework can save you a lot of money.
If a vacation is in your future, browse the major car rental brands for deals, and also check for local deals at your destination. If you use a travel agent to plan your trip they can help you arrange for a car, often with steep discounts, and if you are a member of a travel organization or club you may qualify for a discount there, too.

Civic and professional organizations often offer great deals, so check with any of those that you may belong to. Even some banks and credit card companies can offer car rental discounts. The bottom line is that you won’t get any discounts unless you ask for them, so when you are arranging for your rental car, ask the agent what discounts they can offer you, and you might be surprised at the great deals you can get.

Even when you are not vacationing, renting a car may be in your plans. Sometimes it can be fun just to do something different, and renting a car can be an affordable way to change things up in your life. Just like a vacationer, research the local and national brands to see what kind of deal you can get; you may be able to afford more car than you think. If you are not committed to a certain date, consider renting a car during off peak times, like in the middle of the week, to save even more money.

Sometimes you need to rent a car under less enjoyable circumstances. If your car is involved in an accident, needs repair, or is stolen, you will probably need a rental car to get around. Often, the garage where you take your car will have a car that you can rent. While this can be a good value, these cars are usually older and in less than perfect shape. If you have time, call around or check some websites; you could find a better car than the garage can offer. If you go through an insurance company to do your repairs, you may be able to get a car through them. This can be the easiest way to get temporary transportation, because your insurance agent can make the arrangements for you. The only downside to this is that you may not get to choose what kind of car you get.

Whether you are planning a special vacation or a short weekend trip, or your everyday car has been damaged, car rental is an easy solution to your transportation problems. Research, plan ahead to get the best deal you can, and enjoy the ride.

Short Term Furnished Apartment

Short-term rentals have been used for decades by business travelers as a way to live in an area without having to sign a full lease. These types of rentals are becoming increasingly popular as a primary form of housing for people who have not decided to stay in a particular city or neighborhood. They are even being used more by people who are taking long vacations. There are a number of benefits for people who are living in a short-term rental.


The most basic benefit is flexibility. The lease that is signed for a short-term rental could be for anywhere between a few days and a few months. This allows a tenant to leave after a very short period of time without paying any penalties or fees. This means that a particular building or neighborhood can be explored thoroughly before committing to a long-term lease. Short-term rentals make it easier to handle uncertain situations as well since a change in employment or other circumstances will not result in breaking a multi-year lease.


Property managers perform regular maintenance and upgrades on short-term rentals far more often than what occurs with a long-term rental. This is because the space is cleaned and repairs are made after each tenant leaves. This could occur dozens of time in a single year. The result is that appliances, walls and floors will be better maintained than what might be available in a more traditional apartment. Additionally, a superintendent is usually more attentive to the immediate needs of a person living in a short-term rental because of the limited amount of time the space will be occupied. This generally results in a better living situation as opposed to a long-term rental where repairs could take weeks to perform.


Many short-term rentals are furnished because the lease does not last long enough to warrant moving furniture into the space. This is a major benefit for people who are considering moving into an area or who will only be staying for a single season. This reduces the cost of moving between apartments and makes the entire process less stressful. Furnished short-term rentals generally contain all of the furniture and amenities that are necessary to live comfortably. Some locations even offer Internet access, basic housewares and a laundry facility so that tenants have access to everything that is needed.

Lower Costs

A short-term rental has a number of features that actually makes renting this type of space less expensive than some other housing options. The cost of rent is normally less than what is charged by nightly hotels in certain cities. A furnished space does not require hiring a moving company. Most short-term rentals also do not require tenants to pay for basic utilities like electricity so that monthly expenses are reduced. Responsible residents will save money on security deposits because the length of the lease does not provide enough time for the normal wear and tear that some property management companies charge for at the end of a multi-year tenancy.

private jet

The experience of flying commercially since 9/11 has become more and more of a hassle. The endless lines at security, the ridiculously bizarre restrictions on what is possible to bring packed in luggage, and the downright humiliating invasions of privacy have all conspired to turn everyone off from commercial air travel. In the not so distant past, traveling on a commercial plane was an exercise in elegance. Everyone was greeted with hot towels and fine dining. People dressed up to take a trip on a plane. Now everyone dresses like slobs and are lucky to get a bag of peanuts on a flight.

Luckily there is still a way to experience that luxury flying experience. A private jet charter is a way for passengers to gain back some of the glitz and glamour that has been missing from commercial air travel for some time now. Keep reading for all the great benefits that a private jet charter has to offer.

Time Savings

One of the best benefits of chartering a private jet is the massive amounts of time it saves. Instead of dealing with the traffic of a busy hub airport, passengers can board a chartered jet at any one of the many smaller airports that are closer to home.

Also, passengers do not need to worry about getting to the airport several hours early to make it through the lengthy and annoying security process. A private jet allows passenger to literally drive right up to their plane, hop out and board immediately.

Great for Business

There are many benefits of a private jet charter for business people. For starters, a private jet means that the passengers can gather around a table and hold a meeting. This means that any last minute details can be hammered out in privacy and comfort on a charter jet.

Also, bringing customers or potential clients on a private jet is a great way to impress them. The staff of these private jets treat all the passengers like royalty. Anyone looking for a great way to wow a potential client will do well to consider flying them via a charter. The luxury offered on a private jet makes the first class cabin on a commercial jet look like a cattle car.

Get to the Destination Relaxed and Ready to Hit the Ground Running

As well as being a great venue for holding meetings and getting work done, a private jet is a great place to have some fun, entertain guests and unwind. Most charters will be able to serve gourmet meals and provide any kind of beverage service imaginable.

There are usually flat screen televisions with Blu-Ray players and topnotch sound systems. Some luxury charter even offer massage services. A luxury charter allows passengers to have a lot of fun and be completely relaxed when they arrive at their destination.

Another great service of the private charter is that they will call ahead from the air and arrange ground transportation. The services offered by a private jet charter are great from start to finish.

Exotic car rental- Lamborghini Gallardo

In the world over, the biggest percentage of the population comprises of middle-class people. Most of the exotic cars made by the greatest manufacturers are nowhere within the reach of the middle class. If you decide to save and acquire one, time will be gone, and some better and more expensive models will be finding their way into the luxury market. If you are in such a situation, and you still want to drive an exotic machine, then don’t worry. Join the exotic car rentals.

What a better way to traverse the coastal beaches and high-end resorts if not by an exotic sports car? Hiring an exotic car can spice up your vacation by making it a fantasy adventure. You’re your presence noticeable during track days with an exotic sports car. Exotic cars will always make every special occasion such as the anniversaries; weddings birthdays or track days memorable.

What are the car rentals considerations?

Before you are trusted with the big machine, the rental company ensures that they know whom they are dealing with. They will check your driving license and review your driving record. Most of the machines on rental are high-performing cars that pick up speeds like a jet. So the company wants to ensure that the car is in the hands of a responsible driver.

Why you should consider renting an exotic car

1. You get the full control of the exotic brand.

Most of the people have never ridden in their dream cars, leave alone driving them. When you lay your hands on the car of your choice, you not only ride in it but also you get the chance to drive it to your preferred destination.

2. When you are out to surprise someone.

Surprises are most welcome especially on the most important days of our lives such as birthdays, anniversaries and weddings. What a better way to treat those that we love most if not with a ride in an exotic machine?

3. When you want to try a different taste that is not the usual one

Probably you are bored riding in the same car from Monday to Monday, and you want to spice up your weekend in a different car. In this case, renting an exotic car can go a long way in breaking the monotonous feeling.

The cost of hiring an exotic car can never compare with the thrill and satisfaction that comes with it.

Toronto limo

Every day, limousines are rented along with their professional drivers for weddings, airport drop-offs and pickups, VIP transportation, proms, and bachelor and bachelorette parties. However, there are some unique and fun uses for renting a Toronto limo for other occasions when driving to or from an event should be a secondary concern with the primary focus being on enjoyment and entertainment. As always, any time friends are planning an evening that includes alcoholic beverages, a limo is the absolute best option. No friend needs to be designated as the group’s driver since each limo has its own professional operator.

Sports Events

The traffic after a game or concert at Rogers Centre is best left to a professional limo driver. Many fans attend games and concerts together. Instead of piling into the car knowing that everyone, including the driver, will be tired on the way home, enjoy a limo ride instead. It can be a stretch limo for those who want to add flair and style to their night out, or it can be a more conservative SUV, sedan or other vehicle.

Date Night

Married couples with children are especially prone to putting off a night out on the town. Dinner and a movie, a theater production or a concert are enhanced when a limo is added. Since date nights for many married couples are fewer and farther between, making them extra special is important. Having a personal chauffeur do all the driving while the couple enjoys the comfort of a luxury limousine is both memorable and surprisingly affordable. If an extravagant night out includes the kids and tickets to a children’s concert or show, a limo ride makes it all that much more fun.

Holiday Lights

The holiday season is not complete for many families unless they drive around and see the light displays. Both amateur residential and commercial holiday light displays are abundant throughout the Christmas season. The holiday festivities begin with fall festivals that include food, entertainment and celebrated rural traditions. Using limo services to drive the family out to see the lights is safer. The parents, children and grandparents can all go together in one vehicle, and no one has to drive and miss seeing all the sights the season has to offer.

Modern limousines can comfortably seat an entire family, and having a professional driver navigate busy roadways permits families, friends, coworkers and other groups of people to just enjoy the event or evening out without worrying about getting everyone safely back home. Limo services are especially affordable to small groups desiring to cost-share a chauffeured night out.

China Tours

Mysterious China — home to ancient palaces, otherworldly beauty, and cities where Eastern traditions live cheek-by-jowl with Western inventions and the difference becomes blurred. It’s a once-in-a-lifetime vacation destination.

Most China tours will show you Beijing’s Forbidden City, a palace of 8,000 gold=roofed rooms, which was home to China’s emperors for more than 500 years. You’ll also visit the Beijing section of the 3,000=mile=long Great Wall.

But China offers so much more. A few of the top travel destinations:

Visit Chengdu, the pandas’ hometown. Here you can get up close and personal with the pandas with volunteer programs at Bifengxia Panda Base, where you can see pandas in their natural habitat, or at Dujiangyan Panda Valley. Both are outside the city. If you don’t have time for a volunteer program, stop by the Chengdu Panda Breeding and Research Center.

An Army of Clay
An army of 7,000 clay soldiers, every one different, along with clay horses and chariots, all dressed for battle, rested unseen under the ground of Xian for thousands of years. In 1974, they were found by farmers digging a well. About 1,800 of the figures have been excavated. They represent soldiers who subdued all the other armies in China in the centuries before the Christian era, and they guarded the tomb of the Emperor Qin.

The Yellow Mountains
For sheer, breathtaking beauty, it’s difficult to top the Yellow Mountains. They’re home to hot springs, artfully twisted pine trees, oddly shaped hills that rise through oceans of clouds, and glorious sunrises. This is China’s most popular national park, and the most accessible one. If you want more world-class scenery, consider visiting two other national parks: Zhangjiajie National Forest Park, home to unique rock pillars, and Jiuzhaigou National Forest Park, famous for its multicolored lakes.

Shanghai and Hong Kong
For bright lights and big cities, it’s hard to beat Shanghai and Hong Kong. Best views: In Shanghai, visit The Bund at night. It was the center of prosperity in Shanghai in the late 18th and early 19th centuries and showcases European architecture. In Hong Kong, climb Victoria Peak for a view of Victoria Harbor and Hong Kong’s spectacular skyscrapers — great day or night, but at night you can watch the Symphony of Lights play over the buildings.

So walk the Great Wall (hint: the best restoration is at Mutianyu, with 23 original-style watchtowers) and tiptoe into the Forbidden City, but be sure to see some of China’s other treasures.