PPI or Payment protection insurance is designed in order to cover the monthly repayments that an individual is unable to pay or a debt which can be in the form of a loan. The reasons can be due to accident, sickness, unemployment and redundancy. However it was found that PPI has been mis-sold by several lenders through unscrupulous sales techniques. Following the Supreme Court decision early this year, many banks realized the court of public opinion was full of rage. Customers who had been mis-sold Payment Protection were simply expecting their money back. In order to prevent the financial companies mis-selling PPI, the FSA (Financial Services Authority) and the FOS (Financial Ombudsman Service) took the initiative to sort out the problems. For months many banks did indeed comply and offer compensation in line with FSA guidelines. However from August 2011 there has been a change in the winds and the banks are now trying to bolt the door by rejecting claims.
MBNA and Blackhorse in particular have started issuing rejection letters. Once a customer receives a rejection the claim must be referred to the Financial Ombudsman Service. Barclays also recently has started to issue rejection letters and this confirms that banks are attempting a damage limitation exercise. The decision letters are often generic and fail to disclose the key documents which were possibly used at the time of sale. The reason banks are rejecting claims is of course to stop paying out millions of pounds in compensation. Of course some rejections may be valid and with some merit. Customers who have complained for mis-sold PPI and who receive disappointing rejection letters often give up their claim. Many simply place the letter in the kitchen drawer and forget about it. Banks try it on and see what reaction they get.
If you have been mis-sold PPI then you can make a PPI Claim. Even if you have already paid off your loan then also you can claim for PPI. It is important to fight a PPI claim. Receiving a rejection letter from a bank is simply a setback but if a claim is presented properly at the Financial Ombudsman Service then there is a very strong chance the claim will be successful. The Financial Ombudsman Service investigates the complaints regarding the financial matters including mortgages, banking, insurance, loans, investments, credit cards, etc. Moreover you can also take the help of several well known claims companies that will help you to claim back your PPI payments. In order to find out the reliable claims company you can browse the internet. A good claim company with years of experience in this field can help you fight against such situation along with a reasonable compensation. The reliable claim company has highly knowledgeable, experienced and highly trained legal and financial professionals who ensures that each and every claim is drafted with care and attention. Moreover they handle the entire claims process including all your loan documents in an efficient manner without wasting your precious time, energy and money.
Sunday, September 30, 2012
Friday, September 28, 2012
Finding Your Accountant In Finance Careers
At hand are lots of options for accounting and finance careers both in the sell as well as the business world, provided you understand exactly what you glare for along with your abilities too. You can't be ready to land a profit number likely probably the a profit number desired financial jobs in your neighborhood lacking getting your points of be of interest straight-talking along with your goals set. you'll privation to prepare for sure that you are likely to work that force complement your better assets.
Careers in finance are lots of and offered from a range of choice. You have to assert physically essential and not deciding to apply. Several options that you ought to prefer from go with an auditor post, a sponsor, together with an equity finance detective. You could even apply just be keen on a bank hand, financial records assistant, payroll supervisor, or possibly a trade and industry and credit controller. These positions provide encounters which you'll want to privation within the advance business. Lots of people start with these positions as a technique for climb greater privileged the corporate ladder.
For just approaching at every one of other career corporate finance post, you'll be able to grab the finest post and become a financial boss. It if the involves responsibility is directly on the top. A financial boss is often the person held responsible for accurately what concerns the financial matters from the specific group, small or large. On the contrary on the theme of other matters, how large the sphere container create a large diversity. You could even pursue positions be keen on sphere experts and management an accountant.
These two positions have plenty of parallels if the involves its responsibilities. When a profit number careers in finance insinuate past financial assessment-related work be keen on whats created by auditors together with other bank employees these two positions focus added after wards. Sphere experts and management an accountant could have different fort area in a variety of financial industries, yet, if it calls for their nearly everyone significant responsibilities, it's completely trust pace controlled folded keen on one.
They provide techniques to layer out-of-date financial business-related problems by analyzing great financial requirements of stakeholders and sphere clients too.
Insurance guides could and be great areas and you force uncover career options in finance. you'll acquire several things for you personally at this split second aside from shrewd vehicle career finance insurance rate along with other connected matters.
Every one of these positions is available to many of us on the contrary you ought to know the advance business is considered the a profit number vary unbreakable parts of the sphere enterprise to acquire physically in which container be an actuality. Competitors are high and force and have an extended shot supplementary willingly than you decide to move.
Yet when you realize exactly steps to start, a new to produce a strong foundation within you're in career in finance, you're on your journey to a very strong central. You might start your work in the fleeting finance job and ascend later that.
Careers in finance are lots of and offered from a range of choice. You have to assert physically essential and not deciding to apply. Several options that you ought to prefer from go with an auditor post, a sponsor, together with an equity finance detective. You could even apply just be keen on a bank hand, financial records assistant, payroll supervisor, or possibly a trade and industry and credit controller. These positions provide encounters which you'll want to privation within the advance business. Lots of people start with these positions as a technique for climb greater privileged the corporate ladder.
For just approaching at every one of other career corporate finance post, you'll be able to grab the finest post and become a financial boss. It if the involves responsibility is directly on the top. A financial boss is often the person held responsible for accurately what concerns the financial matters from the specific group, small or large. On the contrary on the theme of other matters, how large the sphere container create a large diversity. You could even pursue positions be keen on sphere experts and management an accountant.
These two positions have plenty of parallels if the involves its responsibilities. When a profit number careers in finance insinuate past financial assessment-related work be keen on whats created by auditors together with other bank employees these two positions focus added after wards. Sphere experts and management an accountant could have different fort area in a variety of financial industries, yet, if it calls for their nearly everyone significant responsibilities, it's completely trust pace controlled folded keen on one.
They provide techniques to layer out-of-date financial business-related problems by analyzing great financial requirements of stakeholders and sphere clients too.
Insurance guides could and be great areas and you force uncover career options in finance. you'll acquire several things for you personally at this split second aside from shrewd vehicle career finance insurance rate along with other connected matters.
Every one of these positions is available to many of us on the contrary you ought to know the advance business is considered the a profit number vary unbreakable parts of the sphere enterprise to acquire physically in which container be an actuality. Competitors are high and force and have an extended shot supplementary willingly than you decide to move.
Yet when you realize exactly steps to start, a new to produce a strong foundation within you're in career in finance, you're on your journey to a very strong central. You might start your work in the fleeting finance job and ascend later that.
Saturday, September 22, 2012
It Is Important To Discover Your Clients Core Values
What I aim to achieve in this essay is to determine what Core Values are, and where they come from. I will describe how the Client will live their life according to those values, or not as the case may be. Also what the consequences are for the Client if their values are not in alignment with their goals and beliefs. Finally, I will look at where values fit in with goals and beliefs, and the potential for the Client to sabotage themselves. In doing so I will answer if discovering the Clients Core values is important.
Before we can discuss whether a Clients Core Values are important to discover or not, we must first seek to understand what a value is. There are numerous definitions of what values are. In the coaching arena, a value represents how people associate different values with the world at large. Here I have tried to combine a few of the common ones, and link them together.
Values are the qualities of a life lived fully from the inside out . There are no right or wrong values; neither are they principles or standards. They are the personal rules, by which we choose to live. Values are who we are right now, not who we would like to be, or think we should be. They serve as a compass pointing out what it means to be your true self.
They determine who we are, what life means to us and the actions we take. They are the must haves beyond food and shelter; these are non-negotiable for the Client in order to be fulfilled. They are unique in that they are different for each individual. Values are the supporting framework for our beliefs. Often they are developed at an unconscious level coming from family backgrounds, teachers, and peer groups. They develop over time as we develop as individuals. They are often masked by general life values , so getting beyond these reveals the true identity of a person.
A Core Value is one that is relevant to all aspects of an individual's life, not just in one life area such as career, money, or physical environment. Interestingly in The Coaching Manual it talks about values being in alignment with goals, but does not cover what values are in the whole book! The coaching model mentions step 3, values but does nothing to explain what they are.
Steven Covey refers to values being maps in our heads, or the way things should be. We are often unaware we have them and assume the way we see things is they way they really are. In Susan Jeffers book she makes an interesting reference to values as establishing your priorities, which is more in line with your overall goals, when making decisions in life.
It is interesting to note that there appears to be a large body of work that suggests a relationship between beliefs, values and goals. Which I agree does lead to fulfilment. While the latter two definitions are valid, they are not descriptive enough for me, but are included to demonstrate the broad interpretation of values.
The very reason we elicit our Clients Core Values is to understand the controlling factor behind their beliefs, behaviours and motivation. When a Client is able to live their life and honour their values on a consistent basis, then life will be fulfilling for them. They will continue to grow and develop (although this may still mean hard work at times!).
When a Client is not able to honour their values, they may lack motivation, or feel a sense of stress. A typical example is one that I have experienced myself while working for a large corporation. The corporation had its own values and missions; in order to tow the company line I had to adopt these in the workplace. What I found however is that they were in conflict with my own Core Values, and I sensed a feeling of great stress not being able to honour them. Considering that we spend a large proportion of our lives at work this is not a small issue.
By not honouring your Core Values, there may also be a knock-on effect in other areas of life i.e. relationship, recreation, finance. Some of these effects may have far reaching consequences, and not all of them of a positive nature. Therefore it is clear that only by discovery, can the client begin the path to fulfilment, and to identify what might be behind any areas of stress in their lives. The evidence I have so far supports my statement.
Values clarification and elicitation exercises are helpful for the coach to get to know the Client, and for the Client to know themselves. Both can use values to facilitate choices, take appropriate actions and recognise which values are an issue. There are a number of ways in which we can discover our Clients Core Values. They all seek to uncover the values that are already there. Nicola Stevens suggests using questions that can assist in clarifying a Clients values. By using negative and positive situations for them to recall, you can draw out clues to those Core Values.
In Co-Active Coaching they ask the Client to describe their values in their own lives. They can refer to a peak moment in time that was particularly rewarding or significant in their lives. This pins down how they were feeling, or what values were being honoured at that moment. There is also mention of suppressed values where the opposite extreme is identified. For example when a Client is angry or upset, a value may have been violated. This value can then be identified and explored.
A further way to define the values is to use a values elicitation exercise which as an outcome will produce a prioritised list. This allows the Client to asses each value in turn, and to give them a weighting. A value based decision matrix is an exercise designed for Clients to prioritise their values and review them over time. Where values score low, these could be good opportunities for further exploration.
In Pam Richardson's book The Life Coach , she also demonstrates an alternative way to elicit core values. She presents a values cycle where the Client fills in a value in each segment, and on a scale how much that particular value is being honoured right now.
These are all good ways to elicit the Clients Core Values, without getting them to select them from a checklist. The reason a checklist should be avoided is that Clients may pick words that describe how they would like to be, or what they think other people want to hear. Also they may not be the words that the Client may naturally use in their vocabulary and therefore may not feel a strong affinity to. However I see the disadvantage of the values cycle is that it conditions the Client to thinking they can only have a number of values consistent with segments in the wheel (8 in the example). While it addresses the values and how they are being honoured at present, it does not go deeper to classify them in any particular hierarchy.
Once the Core Values are discovered, you can see how much a Client is honouring these values. They may take weeks and months to finalise, and do not always get done in the first pass of any exercise. They will also change from time to time which is to be expected, to reflect where a Client is in their lives, and also if that value still serves them.
Although initially you would do this on the Clients whole life in general, it may be fruitful to repeat the process in other areas of the Clients life such as Career, Financial, or Recreation. There may or may not be differences in the Core Values, however if there is an area of life (wheel of life) that is scoring low, then this may suggest a misalignment of a value.
The order of hierarchy will determine the weighting of a Core Value. The highest will have the greatest influence on an outcome. If the top value is in conflict with another value, then a mixed outcome is possible. Often the Client will say the first thing that comes into their heads. Sometimes they will state a value in order to project a specific impression of themselves. Comparing the values after doing the values elicitation exercise is very helpful to a Client in raising their awareness of where they are now in relation to their values.
The Coach must be careful in interpreting the words that the Client uses to describe a value. They could have completely different meanings for both parties. Often a Client will use a Chunk word for example Family, which when probed deeper may reveal spending more time together, or sharing which may be the true value. Therefore a good Coach would ask the Client to explain what that particular word means to them.
It is important that values are in alignment with the Client's vision and beliefs prior to them setting goals. If it is not done in this sequence, then the goals the Client may choose to pursue may not give them true fulfilment. Important life decisions are easier to make and the outcomes are more fulfilling when based on well understood Core Values.
Steven Covey states that in developing your personal mission statement (goals), your values should guide you , supporting the earlier definitions. Julie Starr in The Coaching Manual also states that often a goal out of alignment requires a Client to go back and check their values, and when done correctly can increase motivation towards that goal. I support both arguments and think that alignment is a key principle to a fulfilling life.
A simple way to check this is to ask the Client how achieving a particular goal will honour or fulfil one of their Core Values. If the goal does not then this is one area for future work. Although goal setting is not part of this study, it is mentioned here for completeness.
Values have an impact on our beliefs, which together contribute to our goal setting, and what we wish to achieve. This is sometimes referred to as the unstoppable combination , when values, beliefs and goals are in alignment. I think that this describes the alignment completely, and that values are only part of the jigsaw.
When a Client honours their values they support motivation and purpose for action. They undermine the work of the saboteur because action based on values is more powerful than the saboteur's reasons for not taking action, or taking some other course of action. Lastly they will go on to lead fulfilling lives.
In the NM Practitioner Diploma workbook, it states that no goal will give you true fulfilment unless it is congruent with your personal values . It then goes on to say all goals, dreams and desires are simply the vehicle for fulfilling our values. I fully agree with these statements and it is supported in the earlier reference to the definitions. There is a clear link between goals, beliefs and values.
In conclusion I feel that discovering and understanding your Clients Core Values is fundamental to an effective coaching relationship, and should be done sooner rather than later in the process. They are important for the following reasons.
Values determine who the Client is right now. Values clarification is helpful for the Client to know themselves and what makes them. Equally it allows the coach to get to know the Client. Values can help facilitate choices, take appropriate actions and recognise which values are an issue. They are part of the unstoppable combination , when values, beliefs and goals are in alignment.
There are various methods and techniques to elicit your Clients Core Values. It is not critical which one you use. I personally favour the values elicitation exercise in the NM Practitioner Diploma Workbook. What is important however is to avoid giving your Client a list to choose from. Remain mindful of their interpretation and meaning to the words they use to describe a value for them.
When a Client is able to live their life and honour their values on a consistent basis, then life will be fulfilling for them. They will continue to grow and develop.
Bibliography
Co-active Coaching-Whitworth, Kimsey-House, Sandhal, Davies Black ISBN 9780891061984
The Life Coach - Pam Richardson, Hamlyn ISBN 0600609316
Learning to Coach - Nicola Stevens, How to books ISBN 9781845282714
The Coaching Manual - Julie Starr, Prentice Hall ISBN 9780273713524
The 7 habits of Highly Effective People-S.Covey, Franklin Covey ISBN 9780684858395
Feel The Fear And Do It Anyway - Susan Jeffers, Vermillion ISBN 0091907075
Noble Manhattan Practitioner Coach Diploma Workbook
Before we can discuss whether a Clients Core Values are important to discover or not, we must first seek to understand what a value is. There are numerous definitions of what values are. In the coaching arena, a value represents how people associate different values with the world at large. Here I have tried to combine a few of the common ones, and link them together.
Values are the qualities of a life lived fully from the inside out . There are no right or wrong values; neither are they principles or standards. They are the personal rules, by which we choose to live. Values are who we are right now, not who we would like to be, or think we should be. They serve as a compass pointing out what it means to be your true self.
They determine who we are, what life means to us and the actions we take. They are the must haves beyond food and shelter; these are non-negotiable for the Client in order to be fulfilled. They are unique in that they are different for each individual. Values are the supporting framework for our beliefs. Often they are developed at an unconscious level coming from family backgrounds, teachers, and peer groups. They develop over time as we develop as individuals. They are often masked by general life values , so getting beyond these reveals the true identity of a person.
A Core Value is one that is relevant to all aspects of an individual's life, not just in one life area such as career, money, or physical environment. Interestingly in The Coaching Manual it talks about values being in alignment with goals, but does not cover what values are in the whole book! The coaching model mentions step 3, values but does nothing to explain what they are.
Steven Covey refers to values being maps in our heads, or the way things should be. We are often unaware we have them and assume the way we see things is they way they really are. In Susan Jeffers book she makes an interesting reference to values as establishing your priorities, which is more in line with your overall goals, when making decisions in life.
It is interesting to note that there appears to be a large body of work that suggests a relationship between beliefs, values and goals. Which I agree does lead to fulfilment. While the latter two definitions are valid, they are not descriptive enough for me, but are included to demonstrate the broad interpretation of values.
The very reason we elicit our Clients Core Values is to understand the controlling factor behind their beliefs, behaviours and motivation. When a Client is able to live their life and honour their values on a consistent basis, then life will be fulfilling for them. They will continue to grow and develop (although this may still mean hard work at times!).
When a Client is not able to honour their values, they may lack motivation, or feel a sense of stress. A typical example is one that I have experienced myself while working for a large corporation. The corporation had its own values and missions; in order to tow the company line I had to adopt these in the workplace. What I found however is that they were in conflict with my own Core Values, and I sensed a feeling of great stress not being able to honour them. Considering that we spend a large proportion of our lives at work this is not a small issue.
By not honouring your Core Values, there may also be a knock-on effect in other areas of life i.e. relationship, recreation, finance. Some of these effects may have far reaching consequences, and not all of them of a positive nature. Therefore it is clear that only by discovery, can the client begin the path to fulfilment, and to identify what might be behind any areas of stress in their lives. The evidence I have so far supports my statement.
Values clarification and elicitation exercises are helpful for the coach to get to know the Client, and for the Client to know themselves. Both can use values to facilitate choices, take appropriate actions and recognise which values are an issue. There are a number of ways in which we can discover our Clients Core Values. They all seek to uncover the values that are already there. Nicola Stevens suggests using questions that can assist in clarifying a Clients values. By using negative and positive situations for them to recall, you can draw out clues to those Core Values.
In Co-Active Coaching they ask the Client to describe their values in their own lives. They can refer to a peak moment in time that was particularly rewarding or significant in their lives. This pins down how they were feeling, or what values were being honoured at that moment. There is also mention of suppressed values where the opposite extreme is identified. For example when a Client is angry or upset, a value may have been violated. This value can then be identified and explored.
A further way to define the values is to use a values elicitation exercise which as an outcome will produce a prioritised list. This allows the Client to asses each value in turn, and to give them a weighting. A value based decision matrix is an exercise designed for Clients to prioritise their values and review them over time. Where values score low, these could be good opportunities for further exploration.
In Pam Richardson's book The Life Coach , she also demonstrates an alternative way to elicit core values. She presents a values cycle where the Client fills in a value in each segment, and on a scale how much that particular value is being honoured right now.
These are all good ways to elicit the Clients Core Values, without getting them to select them from a checklist. The reason a checklist should be avoided is that Clients may pick words that describe how they would like to be, or what they think other people want to hear. Also they may not be the words that the Client may naturally use in their vocabulary and therefore may not feel a strong affinity to. However I see the disadvantage of the values cycle is that it conditions the Client to thinking they can only have a number of values consistent with segments in the wheel (8 in the example). While it addresses the values and how they are being honoured at present, it does not go deeper to classify them in any particular hierarchy.
Once the Core Values are discovered, you can see how much a Client is honouring these values. They may take weeks and months to finalise, and do not always get done in the first pass of any exercise. They will also change from time to time which is to be expected, to reflect where a Client is in their lives, and also if that value still serves them.
Although initially you would do this on the Clients whole life in general, it may be fruitful to repeat the process in other areas of the Clients life such as Career, Financial, or Recreation. There may or may not be differences in the Core Values, however if there is an area of life (wheel of life) that is scoring low, then this may suggest a misalignment of a value.
The order of hierarchy will determine the weighting of a Core Value. The highest will have the greatest influence on an outcome. If the top value is in conflict with another value, then a mixed outcome is possible. Often the Client will say the first thing that comes into their heads. Sometimes they will state a value in order to project a specific impression of themselves. Comparing the values after doing the values elicitation exercise is very helpful to a Client in raising their awareness of where they are now in relation to their values.
The Coach must be careful in interpreting the words that the Client uses to describe a value. They could have completely different meanings for both parties. Often a Client will use a Chunk word for example Family, which when probed deeper may reveal spending more time together, or sharing which may be the true value. Therefore a good Coach would ask the Client to explain what that particular word means to them.
It is important that values are in alignment with the Client's vision and beliefs prior to them setting goals. If it is not done in this sequence, then the goals the Client may choose to pursue may not give them true fulfilment. Important life decisions are easier to make and the outcomes are more fulfilling when based on well understood Core Values.
Steven Covey states that in developing your personal mission statement (goals), your values should guide you , supporting the earlier definitions. Julie Starr in The Coaching Manual also states that often a goal out of alignment requires a Client to go back and check their values, and when done correctly can increase motivation towards that goal. I support both arguments and think that alignment is a key principle to a fulfilling life.
A simple way to check this is to ask the Client how achieving a particular goal will honour or fulfil one of their Core Values. If the goal does not then this is one area for future work. Although goal setting is not part of this study, it is mentioned here for completeness.
Values have an impact on our beliefs, which together contribute to our goal setting, and what we wish to achieve. This is sometimes referred to as the unstoppable combination , when values, beliefs and goals are in alignment. I think that this describes the alignment completely, and that values are only part of the jigsaw.
When a Client honours their values they support motivation and purpose for action. They undermine the work of the saboteur because action based on values is more powerful than the saboteur's reasons for not taking action, or taking some other course of action. Lastly they will go on to lead fulfilling lives.
In the NM Practitioner Diploma workbook, it states that no goal will give you true fulfilment unless it is congruent with your personal values . It then goes on to say all goals, dreams and desires are simply the vehicle for fulfilling our values. I fully agree with these statements and it is supported in the earlier reference to the definitions. There is a clear link between goals, beliefs and values.
In conclusion I feel that discovering and understanding your Clients Core Values is fundamental to an effective coaching relationship, and should be done sooner rather than later in the process. They are important for the following reasons.
Values determine who the Client is right now. Values clarification is helpful for the Client to know themselves and what makes them. Equally it allows the coach to get to know the Client. Values can help facilitate choices, take appropriate actions and recognise which values are an issue. They are part of the unstoppable combination , when values, beliefs and goals are in alignment.
There are various methods and techniques to elicit your Clients Core Values. It is not critical which one you use. I personally favour the values elicitation exercise in the NM Practitioner Diploma Workbook. What is important however is to avoid giving your Client a list to choose from. Remain mindful of their interpretation and meaning to the words they use to describe a value for them.
When a Client is able to live their life and honour their values on a consistent basis, then life will be fulfilling for them. They will continue to grow and develop.
Bibliography
Co-active Coaching-Whitworth, Kimsey-House, Sandhal, Davies Black ISBN 9780891061984
The Life Coach - Pam Richardson, Hamlyn ISBN 0600609316
Learning to Coach - Nicola Stevens, How to books ISBN 9781845282714
The Coaching Manual - Julie Starr, Prentice Hall ISBN 9780273713524
The 7 habits of Highly Effective People-S.Covey, Franklin Covey ISBN 9780684858395
Feel The Fear And Do It Anyway - Susan Jeffers, Vermillion ISBN 0091907075
Noble Manhattan Practitioner Coach Diploma Workbook
Thursday, September 20, 2012
Top 10 Lottery Horror Stories
Not very many people win the lottery, but of those who win, many lose all their winnings and end up with less money than before they won. Some winners were simply foolish, some were greedy, some had greedy relatives and friends, and some fell prey to thieves and crooks. Here are the stories of 10 people who won the lottery then lost it all.
#1 Evelyn Adams
In 1985 AND 1986, Evelyn Adams won the lottery - equaling a total winning of .4 million. However, today - she has no money "Winning the lottery isn't always what it's cracked up to be," says Evelyn Adams, who won the New Jersey lottery not just once, but twice (1985, 1986), to the tune of .4 million. Today the money is all gone and Adams lives in a trailer. She lost money in slot machines, and couldn't seem to say no to relatives and friends. Evelyn's big win ended in a big loss.
#2 William Post
In 1988, William Post won .2 million in the Pennsylvania lottery but now lives on his Social Security. Post's former girlfriend sued him for a share of his winnings and one of his brothers was arrested for hiring a hit man to kill him, hoping to inherit a share of the winnings. His relationship with his other siblings was also strained and he spent some time in jail. Within a year, he was million in debt and eventually declared bankruptcy. He now lives on only 0 a month and food stamps.
#3 Suzanne Mullins
In 1993, Suzanne Mullins won .2 million in the Virginia lottery. Now she's deeply in debt to a company that lent her money using the winnings as collateral. She borrowed 7,746.15 from this company, but eventually stopped making payments on the loan. She blamed the debt on the lengthy illness of her uninsured son-in-law, who needed million for medical bills. Needless to say, her lottery win did not end in happiness.
#4 Ken Proxmire Ken Proxmire won million in the Michigan lottery. Within 5 years he filed for bankruptcy after moving to California and starting a car business with his brothers. He has now returned to his job as a machinist.
#5 Willie Hurt
In 1989, Willie Hurt of Lansing, Mich., won .1 million. Only two years later he was broke and charged with murder after spending his fortune on a divorce and crack cocaine.
#6 Janite Lee
In 1993, Janite lee of Missouri won million. Lee was generous to a variety of causes, including various political organizations, education programs and the community services. According to published reports, eight years after winning, Lee had filed for bankruptcy with only 0 left.
#7 Southeastern Family
In the early 1990s, a Southeastern family won .2 million. In almost no time at almost all of their winnings were spent on a huge house, cars, and various requests from family members. They bought a huge house and succumbed to repeated family requests for help in paying off debts. Eleven years after winning, the couple got divorced, the house was sold and what was left of their lottery winnings had to be split.
#1 Evelyn Adams
In 1985 AND 1986, Evelyn Adams won the lottery - equaling a total winning of .4 million. However, today - she has no money "Winning the lottery isn't always what it's cracked up to be," says Evelyn Adams, who won the New Jersey lottery not just once, but twice (1985, 1986), to the tune of .4 million. Today the money is all gone and Adams lives in a trailer. She lost money in slot machines, and couldn't seem to say no to relatives and friends. Evelyn's big win ended in a big loss.
#2 William Post
In 1988, William Post won .2 million in the Pennsylvania lottery but now lives on his Social Security. Post's former girlfriend sued him for a share of his winnings and one of his brothers was arrested for hiring a hit man to kill him, hoping to inherit a share of the winnings. His relationship with his other siblings was also strained and he spent some time in jail. Within a year, he was million in debt and eventually declared bankruptcy. He now lives on only 0 a month and food stamps.
#3 Suzanne Mullins
In 1993, Suzanne Mullins won .2 million in the Virginia lottery. Now she's deeply in debt to a company that lent her money using the winnings as collateral. She borrowed 7,746.15 from this company, but eventually stopped making payments on the loan. She blamed the debt on the lengthy illness of her uninsured son-in-law, who needed million for medical bills. Needless to say, her lottery win did not end in happiness.
#4 Ken Proxmire Ken Proxmire won million in the Michigan lottery. Within 5 years he filed for bankruptcy after moving to California and starting a car business with his brothers. He has now returned to his job as a machinist.
#5 Willie Hurt
In 1989, Willie Hurt of Lansing, Mich., won .1 million. Only two years later he was broke and charged with murder after spending his fortune on a divorce and crack cocaine.
#6 Janite Lee
In 1993, Janite lee of Missouri won million. Lee was generous to a variety of causes, including various political organizations, education programs and the community services. According to published reports, eight years after winning, Lee had filed for bankruptcy with only 0 left.
#7 Southeastern Family
In the early 1990s, a Southeastern family won .2 million. In almost no time at almost all of their winnings were spent on a huge house, cars, and various requests from family members. They bought a huge house and succumbed to repeated family requests for help in paying off debts. Eleven years after winning, the couple got divorced, the house was sold and what was left of their lottery winnings had to be split.
Friday, September 14, 2012
The How to Guide With Astrive Student Loans
Getting an education is one of the best ways to increase your income. Paying for it might be one of the most important lessons you learn. Astrive Student Loans can be the answer to your increasing your income through education. Let's talk about what you need to apply for an Astrive Student Loan.
First you have to be at least 17 years old. You need to have a college or university picked out, and you need to plan on attending at least half time. Your desire to get ahead is respected by Astrive Student loans and if you have worked at the same job for at least 2 years, and have established credit for 21 months you are well on your way to achieving academic success.
If you have not worked and established your own credit but you want to go to school then think about finding someone who would be willing to co-sign your loan. It is important that they have good credit so your plans can move forward. Creating a loan with a co-signer will make you responsible for the payments and help build your credit, and the good credit of your co-signer will be rewarded by Astrive Student Loans with lower rates and fees. The security of a good co-signer can help keep your costs down, making it easier to pay back your loans, and even speed the loan process up.
Depending on the school, and how many credits you are taking you could be eligible for as much as ,000 per year with a minimum of ,500; with a life-time cap of 0,000. Astrive Student Loans charge no additional fees to acquire the money you need to further your education. They do want you to start thinking about repaying the loan right away and have many options for doing so.
Many students choose to utilize the money during their education, and begin paying back the loans after graduation; remember you have to be in school at least half time to put off paying your loans until graduation. If you choose to begin paying the interest while you are in school you will avoid creating interest on the interest. The smartest way, especially if you work, is to begin paying the loan back immediately, which will save you money in the long run and start creating good credit right away.
Around 20 years seems to be about the maximum time to payback your student loans, with a minimum payment between -. There are no penalties for early payment, and in fact early pay-back is encouraged. Paying back this loan will yield you better money than a savings account; in the long run. Interest rates are variable. So to recap you want to go to college. College will increase your income. You are at least 17, and a United States Citizen. You have a good co-signer or a job for the last 2 years and 21 months of good established credit.
First you have to be at least 17 years old. You need to have a college or university picked out, and you need to plan on attending at least half time. Your desire to get ahead is respected by Astrive Student loans and if you have worked at the same job for at least 2 years, and have established credit for 21 months you are well on your way to achieving academic success.
If you have not worked and established your own credit but you want to go to school then think about finding someone who would be willing to co-sign your loan. It is important that they have good credit so your plans can move forward. Creating a loan with a co-signer will make you responsible for the payments and help build your credit, and the good credit of your co-signer will be rewarded by Astrive Student Loans with lower rates and fees. The security of a good co-signer can help keep your costs down, making it easier to pay back your loans, and even speed the loan process up.
Depending on the school, and how many credits you are taking you could be eligible for as much as ,000 per year with a minimum of ,500; with a life-time cap of 0,000. Astrive Student Loans charge no additional fees to acquire the money you need to further your education. They do want you to start thinking about repaying the loan right away and have many options for doing so.
Many students choose to utilize the money during their education, and begin paying back the loans after graduation; remember you have to be in school at least half time to put off paying your loans until graduation. If you choose to begin paying the interest while you are in school you will avoid creating interest on the interest. The smartest way, especially if you work, is to begin paying the loan back immediately, which will save you money in the long run and start creating good credit right away.
Around 20 years seems to be about the maximum time to payback your student loans, with a minimum payment between -. There are no penalties for early payment, and in fact early pay-back is encouraged. Paying back this loan will yield you better money than a savings account; in the long run. Interest rates are variable. So to recap you want to go to college. College will increase your income. You are at least 17, and a United States Citizen. You have a good co-signer or a job for the last 2 years and 21 months of good established credit.
Monday, September 10, 2012
Bad Credit Loans For Nurses - An Answer To Your Fiscal Worries
Monetary demands are ever increasing. Therefore, in particular for nurses who face a problem of availing advances because of their poor financial status there is a solution in the form of bad credit loans for nurses. These finances help nurses to satisfy their requirements without any difficulties. Hence, they prove to be an answer to all fiscal worries for nurses.
The amount that can be acquired through this form of credit extends from 200 to 25,000. This range is sufficient since it corresponds to the cost of demands including the purchase of a car or the renovation of a house. At the same time, the applicant must keep in mind that this amount is repaid within 1 to 10 years.
The applicant also benefits as these advances are available in the secured as well as the unsecured form. Thus, the borrower gets the opportunity to make an appeal through anyone of these formats. According to secured advances, the applicant can draw a large amount as compared to unsecured advances due to the pledging of collateral. On the other hand, the applicant is entitled to pay a high interest rate on unsecured loans.
The lender puts forth an eligibility criterion which is to be followed. He must be a UK citizen to apply for this form of cash. At the same time, he must attain 18 years of age or more. He is also required to maintain an active bank account and must work on the basis of a monthly income.
There is an advantage for the applicant to sit in one place and register his application with an online lender without getting out of the house. Therefore, this method of application for a loan is very beneficial as it provides all facilities to the borrower without any processing fees. Thus, it is significant due to its easy availability.
The amount that can be acquired through this form of credit extends from 200 to 25,000. This range is sufficient since it corresponds to the cost of demands including the purchase of a car or the renovation of a house. At the same time, the applicant must keep in mind that this amount is repaid within 1 to 10 years.
The applicant also benefits as these advances are available in the secured as well as the unsecured form. Thus, the borrower gets the opportunity to make an appeal through anyone of these formats. According to secured advances, the applicant can draw a large amount as compared to unsecured advances due to the pledging of collateral. On the other hand, the applicant is entitled to pay a high interest rate on unsecured loans.
The lender puts forth an eligibility criterion which is to be followed. He must be a UK citizen to apply for this form of cash. At the same time, he must attain 18 years of age or more. He is also required to maintain an active bank account and must work on the basis of a monthly income.
There is an advantage for the applicant to sit in one place and register his application with an online lender without getting out of the house. Therefore, this method of application for a loan is very beneficial as it provides all facilities to the borrower without any processing fees. Thus, it is significant due to its easy availability.
Thursday, September 6, 2012
Capitalize The Unforeseen Expense With An Instant Borrowing Through Payday Loans
Looking from above everything seems to be flowing in a positive direction. But, from inside research, the recovery of the UK economy is expected to be quite slower. Hence, it is likely to return to the levels of pre-crisis in the coming times.
On the other front, the banks have also given a warning bell regarding the rising inflations that are set rise in the coming future. As a result, it has become quite difficult to meet the needs and requirements that are set to come up in the near terms. But, the way there is a saying that where there is a will there is certainly a defined way. Therefore, in order to overcome any unforeseen expense arisen due to financial shortage payday loans are the best solution.
What are Payday Loans?
Payday loans are a short term lending offered in the form of a small amount and does not demand any kind of verification. These are brought in demand as a way to help cover the most unexpected expenses until the borrower receives his/her paycheck. It is also better known as a check cashing, payroll advance and deferred deposit. Hence, this is one of the shortest route to access emergency amount.
However, here the borrower needs to maintain some caution as in the payment should be met on the given frame of time. Since, these are short term loans, the cost of borrowing or it can be said that its APR is quite high. Who all Can Apply?
Nevertheless, being a short term borrowing, the borrowers with a good credit or a poor credit could easily seek this borrowing. Moreover, there are few eligibility criteria that are required to be mend in case the borrower needs an instant amount. They are as follows:
* The borrower should fall between the age group of 18 85.
* The borrower should have a regular source of income and should pick the minimum salary up to 750 per month.
* The borrower should be the domiciled of the UK and
* Should hold a valid checking account in any of the banks of UK.
Therefore, an individual holding all these mentioned criteria could easily attain the desired amount. Advantages of Payday Loans
After seeking payday loans, the borrower is blessed with an infinite advantages. They are as follows:
* Quick Cash: It is considered to be one of the most amazing advantage of this form of borrowing. Here, the demanded amount is directly credited into your account within 24 hrs of an online application.
* Manages your credit rating: There are times when the borrower has to go through the most tough phases of their financial situations. If you are encountered with an urgent payment at the mid of the month but, the monthly budget is insufficient to hold the load. Thus, at such circumstances instead of further exacerbating your credit profile you could easily go for short term lending.
* Easy borrowing: An unforeseen expense arisen could easily be overcome by making an online application. Here, the borrower is just required to fill up an online application form after which the amount gets approved and hence it is credited into the mentioned account. Thus, payday loans are the best way to cover your urgent expenses.
On the other front, the banks have also given a warning bell regarding the rising inflations that are set rise in the coming future. As a result, it has become quite difficult to meet the needs and requirements that are set to come up in the near terms. But, the way there is a saying that where there is a will there is certainly a defined way. Therefore, in order to overcome any unforeseen expense arisen due to financial shortage payday loans are the best solution.
What are Payday Loans?
Payday loans are a short term lending offered in the form of a small amount and does not demand any kind of verification. These are brought in demand as a way to help cover the most unexpected expenses until the borrower receives his/her paycheck. It is also better known as a check cashing, payroll advance and deferred deposit. Hence, this is one of the shortest route to access emergency amount.
However, here the borrower needs to maintain some caution as in the payment should be met on the given frame of time. Since, these are short term loans, the cost of borrowing or it can be said that its APR is quite high. Who all Can Apply?
Nevertheless, being a short term borrowing, the borrowers with a good credit or a poor credit could easily seek this borrowing. Moreover, there are few eligibility criteria that are required to be mend in case the borrower needs an instant amount. They are as follows:
* The borrower should fall between the age group of 18 85.
* The borrower should have a regular source of income and should pick the minimum salary up to 750 per month.
* The borrower should be the domiciled of the UK and
* Should hold a valid checking account in any of the banks of UK.
Therefore, an individual holding all these mentioned criteria could easily attain the desired amount. Advantages of Payday Loans
After seeking payday loans, the borrower is blessed with an infinite advantages. They are as follows:
* Quick Cash: It is considered to be one of the most amazing advantage of this form of borrowing. Here, the demanded amount is directly credited into your account within 24 hrs of an online application.
* Manages your credit rating: There are times when the borrower has to go through the most tough phases of their financial situations. If you are encountered with an urgent payment at the mid of the month but, the monthly budget is insufficient to hold the load. Thus, at such circumstances instead of further exacerbating your credit profile you could easily go for short term lending.
* Easy borrowing: An unforeseen expense arisen could easily be overcome by making an online application. Here, the borrower is just required to fill up an online application form after which the amount gets approved and hence it is credited into the mentioned account. Thus, payday loans are the best way to cover your urgent expenses.
Tuesday, September 4, 2012
Getting $25,000 Personal Loans With No Credit Check
There is no denying that a large loan can come in extremely useful when trying to take control of financial problems. But getting the funds in the first place is the tricky part. Thankfully, the availability of a ,000 personal loan with no credit check makes it very possible.
There was a time when having bad credit scores was enough to create great doubt over the ability to get even a small loan. But the economic collapse of recent years has meant that even honest borrowers have been affected badly. Now, to get approval despite bad credit is no longer out of the question, even with a large loan sum.
What is more, because of the rise of online lenders, the personal loans on offer are much more affordable than might have been thought. And the fact no credit checks are carried out means that these lenders are happy to accept the risk that comes with ignoring bad credit histories.
Why No Check Loans Work?
There can be no surprise that bad credit borrowers are happy if their credit histories are ignored by lenders. But it is perhaps surprising that online lenders are so willing to do so. After all, by granting a ,000 personal loan with no credit check they are leaving themselves vulnerable to borrowers with terrible track records.
But their calculations have been quite exact, and it is known that the attraction of getting approval despite bad credit is strongest amongst those who want to rebuild their credit reputation. So, the offer of no credit check is more likely to attract a multitude of reliable borrowers, more than outweighing the risk of losses.
Also, even with the competitive interest rates, the rate is still higher than normal. This means that the lender ends up making a profit anyway. So, regardless of the type of personal loan taken out, profits will be made.
Aspects to Remember
Applying for a ,000 personal loan with no credit check seems like an ideal loan transaction, but there are some pros and cons to it. Not least amongst the list of negatives are the compromises that need to be made, while there is also the massive plus of applying with confidence.
In truth, that is the biggest advantage, with the likelihood of getting approval despite bad credit so strong that access to much needed funds seems almost guaranteed. It means even those with a terrible credit history can get the green light. But, there is no actual guarantee, and meeting criteria remains the core aspect of the application.
On the negative side, the interest rates charged are going to be higher than normal, even if they are better than those charged by traditional lenders. The higher rate is in compensation for the risk undertaken and means that over the lifetime of the loan, the amount paid in interest is much higher. This kind of personal loan, therefore, is not the most cost effective.
Why Online Lenders are the Best Option
Going to traditional lenders for your loan needs is a natural choice for millions of people, but it is also the expensive option. The best options available are from online lenders, mainly due to the lower rates and more flexible repayment schedules they offer. This is telling when it comes to getting ,000 personal loans with no credit checks.
Online lenders are experts in lending to bad credit borrowers, with their loan packages suited to those who are recovering their financial reputation. For this reason, the chances of getting approval despite bad credit are much higher.
All this makes the online lender impossible to beat, though it is always important to trust the lender. So, check their reputation out on the BBB website before deciding on a personal loan deal from them.
There was a time when having bad credit scores was enough to create great doubt over the ability to get even a small loan. But the economic collapse of recent years has meant that even honest borrowers have been affected badly. Now, to get approval despite bad credit is no longer out of the question, even with a large loan sum.
What is more, because of the rise of online lenders, the personal loans on offer are much more affordable than might have been thought. And the fact no credit checks are carried out means that these lenders are happy to accept the risk that comes with ignoring bad credit histories.
Why No Check Loans Work?
There can be no surprise that bad credit borrowers are happy if their credit histories are ignored by lenders. But it is perhaps surprising that online lenders are so willing to do so. After all, by granting a ,000 personal loan with no credit check they are leaving themselves vulnerable to borrowers with terrible track records.
But their calculations have been quite exact, and it is known that the attraction of getting approval despite bad credit is strongest amongst those who want to rebuild their credit reputation. So, the offer of no credit check is more likely to attract a multitude of reliable borrowers, more than outweighing the risk of losses.
Also, even with the competitive interest rates, the rate is still higher than normal. This means that the lender ends up making a profit anyway. So, regardless of the type of personal loan taken out, profits will be made.
Aspects to Remember
Applying for a ,000 personal loan with no credit check seems like an ideal loan transaction, but there are some pros and cons to it. Not least amongst the list of negatives are the compromises that need to be made, while there is also the massive plus of applying with confidence.
In truth, that is the biggest advantage, with the likelihood of getting approval despite bad credit so strong that access to much needed funds seems almost guaranteed. It means even those with a terrible credit history can get the green light. But, there is no actual guarantee, and meeting criteria remains the core aspect of the application.
On the negative side, the interest rates charged are going to be higher than normal, even if they are better than those charged by traditional lenders. The higher rate is in compensation for the risk undertaken and means that over the lifetime of the loan, the amount paid in interest is much higher. This kind of personal loan, therefore, is not the most cost effective.
Why Online Lenders are the Best Option
Going to traditional lenders for your loan needs is a natural choice for millions of people, but it is also the expensive option. The best options available are from online lenders, mainly due to the lower rates and more flexible repayment schedules they offer. This is telling when it comes to getting ,000 personal loans with no credit checks.
Online lenders are experts in lending to bad credit borrowers, with their loan packages suited to those who are recovering their financial reputation. For this reason, the chances of getting approval despite bad credit are much higher.
All this makes the online lender impossible to beat, though it is always important to trust the lender. So, check their reputation out on the BBB website before deciding on a personal loan deal from them.
Saturday, September 1, 2012
Movie Reviews Of Dolphin Tale And Viva Riva
Watching movies is one of the best ways to enjoy your holidays. Every month over half a dozen movies are being released and it becomes a bit difficult to choose the right movie, especially if you are looking for some quality entertainment. Nobody likes to spend the weekend watching a movie that is worthless. I usually spend my holidays watching movies on HBO and Star Movies on my cable connection powered by Verizon FiOS TV. Choosing a good movie can be painstaking at times. Scroll down and find the reviews of a couple of movies that caught the attention of the audience.
Adding a tail to your leisure
Dolphin Tale' is the tale of a mutilated dolphin named Winter' and the young people who rescue her. This movie is a treat for kids and teenagers. The movie draws inspiration from a real-life dolphin rescue. Nevertheless, it is embellished with a slew of commercial elements to suit the taste-buds of the audience. The manufactured drama may be bitter to digest for the adults though. Winter, the dolphin, got mired in a fishing net and lost her tail. But finds help from rescuers who fit the dolphin with a prosthetic tail to help her survive. People who watch the movie have to take in a sizeable amount of schmaltz in certain portions.
Nathan Gamble is the chief rescuer, and gets help from a girl named Cozi Zuehlsdorff who befriends him. The young pair does a dandy job with their rescue operation! Harry Connick Jr. is the kiddie girl's father and runs an animal rescue center. The movie is gingered with a lot of drama that includes single-parent households, a rescue centre that's already facing bankruptcy, and injured war veterans. However, if you are looking for a naturalistic movie, this may not be the one for you. But the audience can relish a few feel-good moments in the climax that delineates glimpses of Winter's real-life rescue and its rehabilitation process.
The Dolphin Tale' opened on a quite weekend but managed to overpower some weak competition and climbed to the No.1 spot in the weekly rankings. As per the reports of Hollywood.com, the 3-D animation film, that runs for 117 minutes, produced by Alcon Entertainment and Warner Brothers, amassed an estimated figure of .5 million in the first two weeks of its release.
Crime Thriller
Viva Riva is a crime thriller that delineates the Congolese (natives of the Republic of the Congo). Penned and directed by Djo Tunda Wa Munga, the movie plumed 12 nominations in various categories and was a winner of 6 awards at the 7th African Movie Academy Awards, 2011. It won accolades for the Best Picture, Best Director, Best Production and design, and Best Cinematography'. Viva Riva also bagged the title for the Best African Movie in the MTV Awards of 2011.
Viva Riva' was filmed in grim sets on the Democratic Republic of Congo, a state that is devoid of any governing body and law enforcements. The movie is all about crime and violence. After a long absence, Riva, a man on a mission, returns to the slums of Kinshasa with loads of cash and a hijacked truck full of gasoline that is worth more than a truckload of gold to the city starving for fuel. Cesar (Fortuna), an Angolan, chases Riva for the petrol.
But Riva happens to follow the unmindful girlfriend of a crime lord and is assisted by a 10-year old street boy named Anto (N'Tunga), who helps him to stay ahead in the action. The director has wittingly injected a slew of commercial elements to the movie- including thrilling action, nasty violence, and some jaw-dropping sex scenes. Nevertheless, there are some stupid gun-shot sequences that fail to appease the entertainment-taste-buds of the audience. For instance, there is an illogical sequence where Cesar shoots people from a close range and they react by falling like a pack of cards- the shooting looks largely amateurish to say the least! And Anto's feet could barely reach the pedals of the 4WD wheels.
However, the movie lives up to its killer punch' and is full of action and racy till the very end. Though the degree of hopefulness remains a concern for the audience, the movie is packed with a bunch of entertaining elements and a worthwhile to watch.
Adding a tail to your leisure
Dolphin Tale' is the tale of a mutilated dolphin named Winter' and the young people who rescue her. This movie is a treat for kids and teenagers. The movie draws inspiration from a real-life dolphin rescue. Nevertheless, it is embellished with a slew of commercial elements to suit the taste-buds of the audience. The manufactured drama may be bitter to digest for the adults though. Winter, the dolphin, got mired in a fishing net and lost her tail. But finds help from rescuers who fit the dolphin with a prosthetic tail to help her survive. People who watch the movie have to take in a sizeable amount of schmaltz in certain portions.
Nathan Gamble is the chief rescuer, and gets help from a girl named Cozi Zuehlsdorff who befriends him. The young pair does a dandy job with their rescue operation! Harry Connick Jr. is the kiddie girl's father and runs an animal rescue center. The movie is gingered with a lot of drama that includes single-parent households, a rescue centre that's already facing bankruptcy, and injured war veterans. However, if you are looking for a naturalistic movie, this may not be the one for you. But the audience can relish a few feel-good moments in the climax that delineates glimpses of Winter's real-life rescue and its rehabilitation process.
The Dolphin Tale' opened on a quite weekend but managed to overpower some weak competition and climbed to the No.1 spot in the weekly rankings. As per the reports of Hollywood.com, the 3-D animation film, that runs for 117 minutes, produced by Alcon Entertainment and Warner Brothers, amassed an estimated figure of .5 million in the first two weeks of its release.
Crime Thriller
Viva Riva is a crime thriller that delineates the Congolese (natives of the Republic of the Congo). Penned and directed by Djo Tunda Wa Munga, the movie plumed 12 nominations in various categories and was a winner of 6 awards at the 7th African Movie Academy Awards, 2011. It won accolades for the Best Picture, Best Director, Best Production and design, and Best Cinematography'. Viva Riva also bagged the title for the Best African Movie in the MTV Awards of 2011.
Viva Riva' was filmed in grim sets on the Democratic Republic of Congo, a state that is devoid of any governing body and law enforcements. The movie is all about crime and violence. After a long absence, Riva, a man on a mission, returns to the slums of Kinshasa with loads of cash and a hijacked truck full of gasoline that is worth more than a truckload of gold to the city starving for fuel. Cesar (Fortuna), an Angolan, chases Riva for the petrol.
But Riva happens to follow the unmindful girlfriend of a crime lord and is assisted by a 10-year old street boy named Anto (N'Tunga), who helps him to stay ahead in the action. The director has wittingly injected a slew of commercial elements to the movie- including thrilling action, nasty violence, and some jaw-dropping sex scenes. Nevertheless, there are some stupid gun-shot sequences that fail to appease the entertainment-taste-buds of the audience. For instance, there is an illogical sequence where Cesar shoots people from a close range and they react by falling like a pack of cards- the shooting looks largely amateurish to say the least! And Anto's feet could barely reach the pedals of the 4WD wheels.
However, the movie lives up to its killer punch' and is full of action and racy till the very end. Though the degree of hopefulness remains a concern for the audience, the movie is packed with a bunch of entertaining elements and a worthwhile to watch.
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