Wednesday, July 14, 2010

Personal Loans

Personal Loans

Money Available For Deserving Projects
Better than Kickstarter, no waiting!

Money to 

* Pay Bills
* Buy Things
* Build Your Business
* Finish A Project is where one may apply for personal loans, even if there are shortcomings in personal credit. Personal loans often often how businesses and projects get financed, even when regular banks or lending institutions say "no." Personal loans are essentially unsecured debt. There is no charge to see if you qualify.

In finance, unsecured debt refers to any type of debt or general obligation that is not collateralized by a lien on specific assets of the borrower in the case of a bankruptcy or liquidation or failure to meet the terms for repayment.

In the event of the bankruptcy of the borrower, the unsecured creditors will have a general claim on the assets of the borrower after the specific pledged assets have been assigned to the secured creditors. The unsecured creditors will usually realize a smaller proportion of their claims than the secured creditors.

In some legal systems, unsecured creditors who are also indebted to the insolvent debtor are able (and in some jurisdictions, required) to set-off the debts, which actually puts the unsecured creditor with a matured liability to the debtor in a pre-preferential position.

Under risk-based pricing, creditors tend to demand extremely high interest rates as a condition of extending unsecured debt. The maximum loss on a properly collateralized loan is the difference between the fair market value of the collateral and the outstanding debt. Thus, in the context of secured lending, the use of collateral reduces the size of the "bet" taken by the creditor on the debtor's creditworthiness. Without collateral, the creditor stands to lose the entire sum outstanding at the point of default, and must boost the interest rate to price in that risk. Where high interest rates are considered usurious, unsecured loans are either not made at all, or are made by loan sharks unafraid of the law.

See also
High-yield debt
Guarantor loan
Medical debt
Merchant Cash Advance
Peer-to-peer lending
Term deposit
v t e
Consumer debt
Alternative financial services Financial literacy
Unsecured debt 
Credit card debt (cash advance) Overdraft Payday loan Personal loan/Signature loan Moneylender Microcredit
Secured debt 
Mortgage loan/Home equity loan/Home equity line of credit Remortgage Car title loan/Logbook loan Tax refund anticipation loan Pawnbroker
Debt management 
Debt consolidation Credit counseling/Debt management plan/Debt settlement Personal bankruptcy Foreclosure/Repossession Debt Support Trust
Key concepts 
Annual percentage rate (APR) Effective annual rate (EAR) Credit history

personal loans

bad credit loans
loans for bad credit
bad credit personal loansunsecured personal loanspersonal loans for bad creditloans for people with bad credit

Thursday, July 01, 2010

Film Production - Seattle Gilbert and Sullivan Society HMS Pinafore 2010

Film Production - Seattle Gilbert and Sullivan Society HMS Pinafore 2010

I can't believe it's the year 2010 already.
 Fortunately, Time's passage doesn't require my belief.  Here in 2010, I'm up in Seattle for some weeks, to sing and dance in a wonderful production of Gilbert & Sullivan's "HMS Pinafore," which was first produced in 1876.  Our show runs through the month of July.

"HMS Pinafore"
 pokes fun at aristocracy, class distinction, loving above one's station, the military and the British Empire.

It was up-to-the-minute from the get-go, including reference to a fantastic new scientific invention,
the telephone, which was just invented!  Mr. Gilbert had one, with a wire between his house and Mr. D'Oyly Carte's  theatre, which means his London phone number was "1."

That also means "HMS Pinafore" has the very first, original cell phone joke - which is the line, "No telephone communicates with his cell."

"HMS Pinafore" I'm a member of the "right good crew," and am delighted I get to keep my moustache, I'm right up-to-date for this particular production.  By comparison, here are some real sailors of the era.

 The cast is really good.  
William J. Darkow brings his beautiful baritone voice to the part of  our Captain Corcoran, and Dave Ross's rich radio voice creates the angry, plain-speaking Dick Deadeye, wounded critic-at-large of our Topsy-Turvy ship.  Oliver Donaldson and Jenny Shotwell are the class-crossed lovers.  Here are some lovely sisters, cousins, and aunts. 

Nathan Rodda
, a phenomenal Artist, designed the sets, and Gary Webberley and he built them.  Bernie Kwiram is our Musical Director, and conducts the Orchestra.  Our Director is Christine Goff, her staging and Direction are spectacular, and I like her gags.  Producer Mike Storie makes it all happen.

 In his 
"HMS Pinafore" lyrics, W.S. Gilbert masterfully creates an entire world, and satirically lampoons his own real one.  Sir Arthur Sullivan's beautiful music conjures an operatic choir that can turn on a dime, and principal parts that soar and thrill their way to triumphant presentation.


Oh joy, oh rapture unforeseen,
For now the sky is all serene;
The god of day -- the orb of love --
Has hung his ensign high above,
The sky is all ablaze.

With wooing words and loving song,
We'll chase the lagging hours along,
And if I find the maiden coy,
I'll murmur forth decorous joy
In dreamy roundelays!

It's a
great show.  I hope you can attend!


"HMS Pinafore"
Gilbert and Sullivan
film school
film financing
film production
passion for cinema
digital filmmaking handbook

© 2010 Sam Longoria, All Rights Reserved