Should You Take a Personal Loan to Pay off Some of Your Other Debts?

Wazzup Pilipinas!

At times we find ourselves in certain financial crunches. To escape those crunches, we need effective financial reinforcements.

Financial reinforcements can come through personal loans. This is one of the most viable choices for those, who are undergoing short time financial crunch. It helps you to pay your bills on time. So, it is worth knowing the answer to the question –what is the best place to get a personal loan?

Now, this is quite a relative thing. People, who seek personal loans, generally apply to banks. If you are an account holder in a certain bank, it should not be hard for you to find a loan.

However, while opting for personal loans, a major factor comes on the way. And, this factor is known as a credit score. Based on your credit score, you need to decide where you should go for applying for personal loans.

So, here in this article, we have categorized lenders into two sections, based on the credit score details of borrowers.


Personal Loans with Bad Credit

When you have a bad credit score, it could be difficult for you to get personal loans from any organizations.

However, life does not end here. If a bank or other financial houses turn down your loan request, you have plenty of other options.

These options are known as bad credit personal loan options.

One of the common options is a payday loan, though the rate of interest for such loans is extremely high. This is a personal loan option that you can opt by sitting at your home. A lot of websites are there, offering payday loans. Of course, they demand a high rate of interest, but they would not put you in credit score checking hassles. Apart from this, you have various options for online based personal loans.


Personal Loan with Good Credit

There are three major credit bureaus in the USA, and these financial organizations maintain credit records of people. You can get your credit score online by making online based applications too.

Furthermore, you should audit your credit score with an experienced auditor. If any mistakes spotted, then it must be corrected immediately.

Now, let us assume that you have a good credit score. Well, in that case, getting personal loans would get easier for you. You can apply to a bank or other major financial institutions to seek the personal loan amount, as per your requirements. Based on a few factors, your application would likely to be approved.

Bank loan process can be a little tiring, as it needs to scrutinize a lot of things before disbursing the loan amount. It would also check the purposes of taking loans and loan application will be only if the purpose for a loan has been found to be convincing.

In case, if you want to surpass gruesome process of loan approval by banks, you can opt for applying loans to the various trusted financial organization. But, again, these organizations also have their scrutinizing process.

The benefit of opting for a bank loan is a low rate of interest. When you have a good credit score, the rate of interest comes down further.

Edward Kelly Earns ‘Knockout of the Night’ Honors with Thunderous 21-Second Fnish in Manila

Wazzup Pilipinas!

Hard-hitting Filipino featherweight Edward “The Ferocious” Kelly delivered a sensational first-round knockout of opponent Meas Meul, dropping the Cambodian with a high knee merely seconds into their cage encounter at ONE: GLOBAL SUPERHEROES.

Both men collided on the preliminary card of ONE Championship’s 12th live event on Philippine soil, which took place at the 20,000-capacity SM Mall of Asia Arena in Manila last Friday, 26 January.

(Link: ​

https://www.facebook.com/ONEChampionship/videos/1695501463806435/)

At the opening bell, Kelly engaged Meul at the center of the cage and connected on a quick three-punch combination before unleashing the final blow that sent Meul face first into the canvas.

Even though he lived up to his moniker “The Ferocious” during the heated moment of the bout, Kelly showed great sportsmanship to check on his fallen foe and was emotional in his post-bout interview, stating, “I’m so happy — not for myself, but for my team.”

At 21 seconds flat, the 33-year-old Baguio City native now owns both the fastest knockout and finish in ONE Championship’s featherweight division, with the highlight-reel stoppage going viral around the world.

With his stellar victory over Meul, Kelly elevated his professional record to 10-4 and earned him the GoDaddy Knockout Of The Night award at ONE: GLOBAL SUPERHEROES,

Kelly seeks to return to action on 20 April as ONE Championship is set to host another blockbuster event in Manila, Philippines.

“I want to compete again. I’m free on April 20 for the Manila event. Having a match on that card will be amazing," he said. “I’m still in good shape. I have no injuries. If ONE Championship will offer me a bout, I’m here to accept the offer to perform again in front of my countrymen.”

Kelly stressed that he has no preferences and is willing to face any opponent in the stacked featherweight bracket of ONE Championship.

“I can face anyone in my division. I don’t have to choose my opponent. I will just fight anyone who’s in front of me,” he declared.

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For more updates on ONE Championship, please visit www.onefc.com, follow us on Twitter and Instagram @ONEChampionship, and like us on Facebook at https://www.facebook.com/ONEChampionship.

Choosing Sides: James and Curry Draft Rosters for Team Lebron vs Team Stephen at 2018 NBA All-Star Game

Wazzup Pilipinas!

Team LeBron Starters: Cousins, Davis, Durant, Irving and James –

Team Stephen Starters: Antetokounmpo, Curry, DeRozan, Embiid and Harden –

The NBA today revealed the team rosters for the 2018 NBA All-Star Game, as selected by All-Star captains LeBron James of the Cleveland Cavaliers and Stephen Curry of the Golden State Warriors in the inaugural NBA All-Star Draft.

James drafted DeMarcus Cousins (New Orleans Pelicans), Anthony Davis (New Orleans), Kevin Durant (Golden State) and Kyrie Irving (Boston Celtics) to join him in the starting lineup.  To complete Team LeBron, James selected LaMarcus Aldridge (San Antonio Spurs), Bradley Beal (Washington Wizards), Kevin Love (Cleveland), Victor Oladipo (Indiana Pacers), Kristaps Porzingis (New York Knicks), John Wall (Washington) and Russell Westbrook (Oklahoma City Thunder) as reserves.

Curry will start on Team Stephen alongside Giannis Antetokounmpo (Milwaukee Bucks), DeMar DeRozan (Toronto Raptors), Joel Embiid (Philadelphia 76ers) and James Harden (Houston Rockets).  For reserves, Curry chose Jimmy Butler (Minnesota Timberwolves), Draymond Green (Golden State), Al Horford (Boston), Damian Lillard (Portland Trail Blazers), Kyle Lowry (Toronto), Klay Thompson (Golden State) and Karl-Anthony Towns (Minnesota).

The 67^th NBA All-Star Game will take place on Sunday, Feb. 18 (8 p.m. ET) at Staples Center in Los Angeles, airing on TNT and ESPN Radio.  The game will reach fans in more than 200 countries and territories in more than 40 languages.

The 2018 NBA All-Star Draft was conducted today via conference call.  As the All-Star starter from each conference who received the most fan votes in his conference, James and Curry drafted the team rosters from the pool of players voted as starters and reserves in each conference.  The captains selected their 11 teammates regardless of conference affiliation, marking the NBA’s first All-Star Game without a matchup between the Eastern Conference and the Western Conference. 

Team LeBron features seven players from the East and five players from the West, with seven frontcourt players and five guards.  Team Stephen showcases seven players from the West and five players from the East, with seven guards and five frontcourt players.  The five players in the 2018 NBA All-Star Game who have won the Kia NBA All-Star MVP – Davis (2017), Durant (2012), Irving (2014), James (2006, 2008) and Westbrook (2015, 2016) – are all on Team LeBron.  Durant will go head-to-head against the Warriors’ other three All-Stars in Curry, Green and Thompson.   

During the draft, the eight remaining All-Star Game starters (aside from James and Curry) were selected in the first round.  The 14 reserves were chosen in the second round.  James, as the top overall finisher in fan voting, was awarded the first pick in the first round, while Curry had the first pick of the second round.  The captains alternated picks in each round until all players in that round had been selected.

With Curry representing the Western Conference in a Western Conference arena, Team Stephen has been designated the home team and was able to choose between wearing black or white uniforms.  Curry selected the black uniforms, and Team LeBron was assigned the white uniforms as the visiting team.

NBA Commissioner Adam Silver will select the replacement for any player unable to participate in the All-Star Game, choosing a player from the same conference as the player who is being replaced.  Silver’s selection would join the team that drafted the replaced player.  If a replaced player is a starter, the head coach of that team will choose a new starter.  

Team LeBron will be coached by the head coach from the Eastern Conference team with the best record through games played on Sunday, Feb. 4 among the 14 teams with an eligible head coach.  Boston’s Brad Stevens is ineligible because he coached in last year’s All-Star Game.  Team Stephen will be coached by the head coach from the Western Conference team with the best record through Feb. 4 among the 14 teams with an eligible head coach.  Golden State’s Steve Kerr is ineligible because he coached in last year’s game.