When determining how much credit you qualify for, credit history is considered by any lender to be the indicator of your loan capacity and financial credibility. Typically, the credit score you have will be the first impression that a lender has of you. It is usually then up to the lender to decide on a specific amount that you qualify for. Another factor is how long you want to have the money for and how much you ask for given your plans.

Usually, those with bad credit will tend to be pushed towards taking on small high interest loans with stringent payment schedules. However, those with a good credit history receive good interest rates, high sums of money, and more flexible requirements on their payments.

Whether you have a poor or strong credit history, how much money you qualify for also depends on which of the following types of credit you choose.

Large Personal Loans

If you want a personal loan, the amount of money you qualify for can range from just a 1,000 to above 200,000 dollars. These types of loans are usually specified and designed to meet the needs of an individual and their plans. If you have a bad credit score, you will likely only qualify for 1,000-5,000 dollars at most. There are specific companies that specialize in loans for people with bad credit. However, this amount can vary from institution to institution as risk tolerance depends on the type of bank or lender. Usually providing collateral of some form can increase the sum of cash you can receive. If you have a good credit score, a solid income plan and reason for wanting the loan, you can expect to be offered up to a maximum of about 200,000 dollars.

Credit Cards

Credit cards best suit someone who only needs to borrow some money for short periods of time. Credit limits are more built in and less flexible, usually offering less of a total limit. If seeking a short-term loan, some providers off very low interest rates, however, credit card policy details should be reviewed carefully. Some card providers use different definitions of the "short term" that can either be six months while others say a year. Qualifying for a credit card is usually just as or a slightly more difficult than it is to qualify for short-term loans from banks. When considering this credit option, be sure that you will have the capacity to pay it off in the near future because credit card interest can be higher than most loans and usually kicks in just after this short-term threshold. With poor credit, expect a ceiling of no more than a couple thousand dollars. Typically, even with a good credit score you can find ceilings of just 10 to 20 thousand.

Credit Unions

If you find a local credit union, consider this option over personal loans and credit card purchases, especially if you are seeking a particularly large sum of cash. These unions typically will offer those with poor credit double what most banks or personal loan providers will. This amounts to about 10,000 dollars maximum for those with poor credit and 400,000 for this with good credit. This is largely due to their community style ownership. Not to mention, they are also non-profit organizations, which means that their interest rates tend to be more forgiving.

Loans for Debt Consolidation

If you opt to consolidate the debts you have outstanding into just one overarching loan, can help make lenders more comfortable giving you more money. Borrowers can expect to increase their debt ceiling by up to 50 percent using this method, amounting to about 7,500 dollars for those with poor credit, and 300,000 dollars for those with good history.

Dating has transformed quite a lot over the past few decades, but one thing has remained the same – the nerves. For many of us going on a date with someone for the first time can be an anxiety-inducing affair regardless of whether you've known your prospective significant other for a while or you just matched with him or her on Tinder.

There are few things in life that are more attractive than confidence, so how can you make sure you stay self-assured throughout your dating life?

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1. Make Sure You Feel Comfortable

When it comes to dating there should always be a healthy dose of compromise, but this doesn't mean that you should put up with anything that makes you feel so uncomfortable that it knocks your confidence. Wear what you want to wear, put on your favourite fragrance and ensure the date takes place somewhere you're happy to go.

2. Take Control

If you feel more comfortable when you have control of the situation, why not take your date into your own hands. Even if you don't feel particularly confident about your dating finesse, there's nothing more attractive for some people than a person who can completely take control.

3. Watch Out For Body Language

Some people just aren't good with words but your partner's silence could hurt your confidence, so it's a good idea to watch your date's body language. Some gestures are obvious, like a hand on a leg or leaning in closely, whilst others are a little subtler. It has been suggested that anything from the lifting of an eyebrow to the direction of your significant other's feet could be tell-tale signs they like you. Once you begin to notice a positive reaction, you're sure to gain more confidence.

4. Live in The Moment

If you're feeling insecure whilst on a date then chances are you won't be paying full attention to what is actually happening. This can be a particular problem before or after a date when we let ourselves relive all of our perceived mistakes and make ourselves feel unreasonably nervous. Worse still, not only are we susceptible to thinking the worst is going to occur, we can also set ourselves up for disappointment by placing high expectations on our date. Instead of focusing on all of the possibilities, focus on what is real in the moment. This does take a lot of practice but once you get used to it you'll be able to cultivate confidence in the situation almost instantly.

5. Keep A Date Journal

If after everything you're still not a confident dater, it might be time to start addressing the root causes. Begin a journal that explores why the dating environment makes you feel apprehensive and attempt to provide yourself with little goals on each date. This could be as small as asking a question you would usually be too nervous to ask or as large as doing a dance on a table, it's entirely up to you!

Famous Christmas Quotes

by Lance Ekum on December 12, 2015 · 0 comments

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Online crime and identity theft is nothing new – but what is shocking is the increasingly young age of alleged hackers accused of tapping into some of the world's highest-profile online organisations.

A 15-year-old youth has been arrested in connection with a recent cyber-attack on UK communications giant TalkTalk, which saw almost 157,000 customers' personal details accessed and more than 15,000 bank account details stolen. The alleged hacker, from Northern Ireland, was one of four people detained under the Computer Misuse Act. He was released on bail after being interviewed on suspicion of offences against the telephone and broadband provider.

A similar scenario has erupted in the United States following allegations that the email account of Central Intelligence Agency director John Brennan was hacked by a 13-year-old high school student. The FBI is investigating after it was alleged the teenager accessed emails containing personal information, including Social Security numbers, of more than a dozen high-ranking American intelligence officials. It was claimed some of the hacked information was posted on social networking site Twitter.

With incidents of hi-tech crimes allegedly perpetrated by young offenders hitting the headlines, the question arises of how to deal with those who carry out such a serious criminal offence.

In the UK, the Youth Offending Team (YOT) – set up under the 1998 Crime and Disorder Act – deals with young offenders aged under 18 years. A multi-agency team, co-ordinated by a local authority and overseen by the Youth Justice Board, it attempts to prevent incarceration. YOTs supervise young people who are serving community sentences and sometimes organises meetings between offenders and their victims, encouraging an apology and reparation.

The YOT also arranges for an appropriate adult to accompany to the police station those youths aged under 17 years who have been arrested to advise the young person.

A common punishment meted out to young offenders in the UK is an Anti-Social Behaviour Order or ASBO, a civil order designed to protect the public from harassment, distress or alarm. Anyone aged over ten years can be subject to an ASBO, which prohibits them from doing certain things, such as spending time with known trouble-makers, or going to certain places. Breaking an ASBO is a criminal offence.

YOT jobs, especially in today's climate, are challenging and mean taking a non-judgmental approach to young offenders. It also means adapting to changes in the type of youth crime in the 21st century, as young people have the power to bring down national companies – and even the government – by hacking. In February 2015, the APPG Inquiry into Anti-Semitism asked the Crown Prosecution Service to look into Internet ASBOs, which would ban offenders from social networking sites and hiding behind fake identities. The inquiry was aimed at combating online racist abuse of Jewish people, but with an increase in hacking, the CPS may have to examine whether prevention orders could be further imposed to combat hi-tech crimes.

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