|
16th September 2009
Monetary Planning is a crucial choice in one's life and to balance our money and expenditures well is equally important. At times you require monetary assist to cope up with any unforeseen monetary urgent situation. Usually, a UK borrower looks out for a ... Read >
Author: Robart Watson
07th August 2009
Secured loan is a type of loan which is given against some type of collateral like your property or other fixed asset. The loan amount is secured against the property of the borrower that he going to put as a collateral. It will ensure the lender that the... Read >
Author: Balvider
12th June 2009
If you are looking for a loan option that will be easy for you to access and you can afford them in any case, then the secured loans are the most suitable loans for you. These are the loans that can be afforded by any kind of borrower very easily. One can... Read >
Author: Johnty Flemming
04th June 2009
Introduction:
If you want less arduous loan for your immediate requirements, you are possibly at the right place. Secured loans help acquiring you the adequate amount of funds for your sudden needs or to fulfilling your dreams without any obstacles and... Read >
Author: William Ender
12th May 2009
The popularity of loans for fulfilling the personal needs is increasing day by day. Competition is so high in the market that people want such loans as soon as possible. They want these loans quickly to meet out their needs without any further delay. Any ... Read >
Author: William Ender
12th May 2009
The popularity of loans for fulfilling the personal needs is increasing day by day. Competition is so high in the market that people want such loans as soon as possible. They want these loans quickly to meet out their needs without any further delay. Any ... Read >
Author: William Ender
20th November 2008
A secured loan is the preferred loan for borrowers for its many benefits, but by using the online secured loan they is more benefits. For People living in the UK online secured loans have become a way of find your secured loan. Many people in the UK use t... Read >
Author: Simon hemmings
15th October 2008
With the ever increase in the cost of living, it is hard for a family to maintain itself only on the salary the family members earn. There are necessities that arise from time to time: your house renovation, car insurance or maintenance, your kids’ proj... Read >
Author: William Ender
15th October 2008
With the ever increase in the cost of living, it is hard for a family to maintain itself only on the salary the family members earn. There are necessities that arise from time to time: your house renovation, car insurance or maintenance, your kids’ proj... Read >
Author: William Ender
24th September 2008
Whenever you are lacking funds there are loans in UK to help you out. But, having an asset reinforces the assurance of security of cheap rates and easy terms in UK. So, secured loans are a favorite choice of a large number of UK citizens. And, now for the... Read >
Author: William Ender
18th September 2008
Loans and debts require some time for processing and documentation. Hence, a circumstance where the money is valued in terms of time is availed by instant personal loans UK. As the name suggests they provide you with immediate cash and the money lent can ... Read >
Author: Daren Jone
16th September 2008
If you look out for various loan options that are available in the UK, you are most likely to encounter to find innumerable loan options stumbling upon you. But, how are you going to find the one particular loan option that would be most suitable for you ... Read >
Author: Daren Jone
08th September 2008
The secured loans in UK are the loans that are available to you in almost within a day but against a collateral security equaling to the total amount, which is being borrowed.
The secured loans UK are nothing but the personal loans offered with a co... Read >
Author: William Ender
13th August 2008
Putting together various statistics and survey, you can conclude that the people of UK have a high standard of living. A small income is unable to maintain this high standard of living and if you are unable to maintain it you are looked down upon by the s... Read >
Author: William Ender
15th July 2008
What do you do, when emergency disrupts your monthly budget?
A poor credit Fast Secured personal cash loans lender is secured about the loan payment from the borrower. He knows that a borrower will not run scot-free with his security being jeopardized ... Read >
Author: Sadhana
07th July 2008
Short term cash advances are are suitable for any individual who has a regular source income and an active bank account with a debit card at the time of urgent financial emergency. These advances are designed for people who need instant cash as the payday... Read >
Author: Aisha Cristal
19th June 2008
Tired of searching for that loan package that takes care of your long cherished dreams! If you are the one of them, whose wishes are yet be fulfilled, then secured loans UK can show you the way. In UK, secured loans are offered to people with longer repay... Read >
Author: Kenneth Robert
06th June 2008
Introduction
At the onset of every month you need to face all your monthly expenses like children school fee, medical expenses, home rent etc. All these expenses make your wallet and debit card empty. You have to survive through the month and also you ... Read >
Author: William Ender
05th June 2008
Money is not everything yet it is the solution to all our problems. Are you in the need of money for purposes like home improvement, education, wedding, holidaying etc? Do you have assets like house but no cash to meet your needs? If your answer is yes yo... Read >
Author: Mathew Kenny
05th June 2008
Introduction
Leading a happy life with their family without any financial is everyone’s wish. It is a very usual happening in households that the salary money is exhausted long before the month end. How will you manage the expenses after that? It is ... Read >
Author: William Ender
05th June 2008
Introduction:
Spending a peaceful life without any financial crisis is everyone’s wish. It is a very usual happening in households that the monthly expenses money is exhausted long before the month end. How can one manage the expenses after that? It ... Read >
Author: William Ender
04th June 2008
Introduction:
In summer vacations you have planned for an exotic tour with your family members. You had made a big plan about how to enjoy the full trip. All the arrangements for the tour are over and you are very happy enjoying your life to the core. ... Read >
Author: William Ender
04th June 2008
Introduction:
In summer vacations you have planned for an exotic tour with your family members. You had made a big plan about how to enjoy the full trip. All the arrangements for the tour are over and you are very happy enjoying your life to the core. ... Read >
Author: William Ender
29th May 2008
Introduction:
It is a common routine that every month you need to face all your monthly operating expenses like children school fee, medical expenses, home rent etc. All these expenses made your hand cash and debit card empty. You have to endure throug... Read >
Author: William Ender
29th May 2008
Introduction:
It is a common routine that every month you need to face all your monthly operating expenses like children school fee, medical expenses, home rent etc. All these expenses made your hand cash and debit card empty. You have to endure throug... Read >
Author: William Ender
15th May 2008
Introduction:
At certain point of time in your life you may come across an adverse finance state. These things are not under your control. And when it comes, you noticeably look for a suitable easy way out of it. In this case if you are ready to put yo... Read >
Author: Michael Moore
15th May 2008
Introduction:
At certain point of time in your life you may come across an adverse finance state. These things are not under your control. And when it comes, you noticeably look for a suitable easy way out of it. In this case if you are ready to put yo... Read >
Author: Michael Moore
15th May 2008
The loan market will provide you a lot of benefit if you are capable of providing an asset as collateral. by doing so, you will be able to access a bigger loan amount, which enables you to fulfill your various dreams and wishes. This is possible only with... Read >
Author: Aldrich Chappel
14th May 2008
Dealing with financial crunches is not as easy as it seems to be, as it demands a lot of time and thorough market research for the arrangement of finance. However, the present finance market has solution to every problems but selection has become quite co... Read >
Author: Kenneth Robert
14th May 2008
Dealing with financial crunches is not as easy as it seems to be, as it demands a lot of time and thorough market research for the arrangement of finance. However, the present finance market has solution to every problems but selection has become quite co... Read >
Author: Kenneth Robert
08th May 2008
Loan options are aplenty in the market. They vary from person to person, be it lender or borrower, each having their own reason. Every borrower wishes for a low cost loan. This makes the repayment easier and encourages proper use of the loan amount. For s... Read >
Author: Famous Wealth
08th May 2008
Loan options are aplenty in the market. They vary from person to person, be it lender or borrower, each having their own reason. Every borrower wishes for a low cost loan. This makes the repayment easier and encourages proper use of the loan amount. For s... Read >
Author: Famous Wealth
08th May 2008
If you are looking for options where in you need a bigger amount that too at cheap rates to meet your diverse needs, then you should apply for secured loans. In the UK loan market, these loans are very easy to access and are offered by almost all the lend... Read >
Author: Aldrich Chappel
28th March 2008
It will always be a daunting task to obtain loans which in turn will help to fulfill your dreams in to a reality. There are hoards of lenders in the UK market who are offering loans but it is up to you to look for lenders who offer loans that suit your ne... Read >
Author: Johns
27th March 2008
Now the citizens of UK can avail a low interest rate loan through cheap secured loan. They can meet their various needs by this kind of cheap loan.
As secured in nature, these loans require your valuable assets as security for the loan approval. The se... Read >
Author: Johns
11th March 2008
Though there are plenty of options for the UK people in taking out secured loans, but they must ensure that these loans are approved at desired rate of interest and overall cost of the loan is kept low. Only such a loan will be less burdensome on your lim... Read >
Author: Aldrich Chappel
03rd March 2008
Getting a reasonable loan is no more considered as a tough task for borrowers. Now borrowers can get loans at flexible terms and reasonable rates, as lenders are offering competitive loan schemes. The present financial market believes in continuing the ca... Read >
Author: Kenneth Robert
28th February 2008
Loans are taken out when one finds no other way to obtain the fund required. Most of Britons are facing financial fuss. For the reason, lending authority has come up with solutions of Secured Loans UK so as to provide best monetary helps to the people in ... Read >
Author: Aldrich Chappel
26th February 2008
Often the monthly income drawn by you falls short to meet the basic needs. To overcome the financial crunch situation you can opt for loans. But you are looking for loans which are easy to access, have feasible repayment schedule and above all low interes... Read >
Author: Richie
25th February 2008
A need for money may arise for people at any time and with the utmost urgency attached to it. Pledging assets would get the money easily but it will take the due time for approval. Through Fast Secured Loans UK, the borrowers can get money at very low rat... Read >
Author: Carmen
19th February 2008
The main purpose behind availing loans is to overcome the problem of cash deficiency. Because of financial crunch, most of the people are not in a position to meet some of their key demands. Borrowers who look for financial assistance look for certain fea... Read >
Author: Aldrich Chappel
15th February 2008
Availing loan has become a present day financial phenomenon. It equips you best to fight away from any sort of cash crisis. No matter what it costs, but taking out loans gets compulsive or necessary at times. Though often than not, you give much impetus u... Read >
Author: Johns
14th February 2008
Bad credit secured personal loans are the loans given to people who have bad credit. These loans are given against some collateral. Bad credit of the borrower does not pose any problem in getting this loan. Though bad credit is not a problem in getting th... Read >
Author: Johnty Flemming
11th February 2008
Due to the increased financial uncertainty, it has become easy to fall into debt, especially with the rising cost of living. As many homeowners and renters alike go into debt, they rely on credits to help them out. This does not always work out, and often... Read >
Author: Johnty Flemming
31st January 2008
Secured loans UK provide capital against the value of the asset placed as collateral with the lender. Borrowers facing huge expenditure and having something to pledge can get these loans to avail large amounts at low interest rates.
The collateral pla... Read >
Author: Aldrich Chappel
29th January 2008
Many people realize their needs are too big to be taken care of themselves. This makes it quite difficult for them psychologically as well. However the presence of an asset takes care of this and provides financial support to the borrowers. Through Secure... Read >
Author: Aldrich Chappel
23rd January 2008
When the times of a need arrive for a person, he usually has to think what ways are available and then decide on the best way to deal with a cash issue. If the borrower has an asset and is ready to pledge it, then he can easily get money through Secured ... Read >
Author: Aldrich Chappel
17th January 2008
Even though secured loans carry lesser interest, most of us want a loan for which we need to pay the least. Secured Loans UK can help us to find cheapest secured loans.
Cheap secured loans can be used by borrowers to pay back a debt that they cannot ea... Read >
Author: R Rama
09th November 2007
Your home is not a mere residence for you. It is the prototype of your style insignia. All the impressions regarding your qualitative taste and living pattern finds its replica in the appearance of your home. Do not you want to imprint your superiority fo... Read >
Author: Anaya Erika
05th November 2007
It is nice to see your debts being repaid. You should continue saving money for the month-end instalments that would become due to the lenders. But, if you have a large number of debts and you are finding it hard to meet your monthly commitments, you need... Read >
Author: Angelo Drew
31st July 2007
Bad debt secured loans UK is meant for people who are not able to pay previous debts and want to avail a loan in order to get rid of their debts. People suffering from bad credit history due to arrears, defaults, CCJ, IVA etc can avail bad debt secured lo... Read >
Author: steve C clark
27th June 2007
Personal secured loans UK aims at providing financial help to people in need of money at low interest rate. As the name implies personals secured loans UK are secured loans. It can be availed by both good credit borrowers and bad credit borrowers.
You ... Read >
Author: steve C clark
08th June 2007
These days it is possible to get a loan by putting one of your properties as collateral against the loan amount. Still, it is difficult to get a loan with easy terms and conditions (read: low interest rates). However, there are secured loans out there in ... Read >
Author: Angelo Drew
30th May 2007
Borrowing money is not a difficult task these days. With so many lenders and ever stiffening competition, it is quite easy to get a loan. However, to get a loan that meets your requirements and preferences is a different story altogether.
If you are no... Read >
Author: bernard
29th May 2007
Until few years ago it was difficult for people with bad credit history to avail any kin of loan. But due to the growing competition in the market lenders are now ready to take risk by advancing loans to people with bad credit history. Bad debt secured lo... Read >
Author: Jennifer
25th May 2007
Now days you can easily avail a loan by placing one of your properties as collateral with the lenders. But getting a loan with low interest rate is not that easy. But do not worry because cheap secured loans UK are exactly what you are looking for. It car... Read >
Author: steve C clark
15th May 2007
Typically, for routine monetary requirements, most of us rely on cash substitutes like payment cards and overdrafts. But, for infrequent monetary requirements (big or small), loans – available in both secured and unsecured form – are perhaps the only ... Read >
Author: bernard
03rd May 2007
Personal loans...personal loans...personal loans!
Yes, personal loans are in abundance in the UK loan market today. Personal loans are immensely popular in the UK owing to their easy availability and the freedom they impart to the borrower with regard... Read >
Author: Braden
25th April 2007
Fulfilling secured loans dreams matching individual’s expectation in the UK is relatively is quite simple and straight forward. What matters most in the Secured Loans UK approval process is clicking best deal available in the market. There are loans out... Read >
Author: Anand Kumar
18th April 2007
When stuck up in financial constraints, don't walk in darkness. Help is just round the corner – just a click away.
Now you can benefit from secured loans UK just as millions of Britons had done. You have a financial target? Get secured loans.
You h... Read >
Author: Braden
18th April 2007
When a borrower pledges some asset as security or collateral for a loan amount that he borrowers from a bank or a financial institution, is termed as secured loans UK.
The collateral in this case is of redemption-value higher than the loan amount taken,... Read >
Author: Braden
18th April 2007
Money as they say is like the sixths sense- you can’t make use of any other of the five without it! It’s crucial, important and absolutely essential to live.
The thriving finance market of UK is a flourishing example of how indispensable is money to... Read >
Author: Braden
18th April 2007
Does your monthly salary look like peanuts, when it comes to fulfilling your simple but expensive dreams and wishes?
Do you feel it would be too late if you keep waiting until your savings pay off?
Now you don't have to wait for a miracle to happen... Read >
Author: julia.
18th April 2007
Now that you have your own home, did you know that you could make use of it to make more money and satisfy all your wishes and desires? Yes! Simply by applying for secured loans UK, you can start benefiting, more than you could imagine from your own ho... Read >
Author: julia.
18th April 2007
Does your monthly salary look like peanuts, when it comes to fulfilling your simple but expensive dreams and wishes?
Do you feel it would be too late if you keep waiting until your savings pay off?
Now you don't have to wait for a miracle to happ... Read >
Author: julia.
13th April 2007
Now that you have your own home, did you know that you could make use of it to make more money and satisfy all your wishes and desires? Yes! Simply by applying for secured loans, you can start benefiting, more than you could imagine from your own home. ... Read >
Author: Braden
12th April 2007
Secured Loans are easy and cheap way to raise money. They are also beneficial when you need larger sum of money and lower rate of interest. You can also opt to go for benefits of negative equity, but that comes with terms and conditions.
A great and ... Read >
Author: julia.
12th April 2007
A great and cheap solution to consolidate all your debts and pay off all the lenders is secured personal loans. Secured loans are also beneficial in the attainment of your financial targets in an easy way.
Whether you need to consolidate your existing... Read >
Author: julia.
11th April 2007
The whole concept of secured loan in UK revolves round collateral. Collateral is a technical term which means the property that is used as security in a loan. Any property of significant money value has acceptance as collateral. However, in UK a home is m... Read >
Author: Alexa Wilsoon
28th March 2007
Secured loans UK are particularly useful in situations where you want a big loan amount. The philosophy behind secured loans is same as in the case of ‘give and take’ concept. In case of secured loan, a borrower gets a big loan amount and the lender g... Read >
Author: ALICE
27th March 2007
Secured loans are gaining tremendous popularity in the UK financial market in recent times. Secured loans UK are given by the lenders against the equity of the collateral placed by the borrower. Generally, the amount of loan dispensed can be up to 80 perc... Read >
Author: Anaya Erika
06th March 2007
Have you lately lost your sense of freedom due to piling debts?
Do you spend sleepless nights discovering ways to earn more to repay back all existing debts?
Do you have a bad credit history in addition to multiple debts?
Are you failing to make timely... Read >
Author: Alexa Wilsoon
19th February 2007
As the demand from the beauty and fashion industry becomes more and more harsh, a lot of young women are taking personal loans to work upon their physical features. Plastic surgery is cheaper in South East Asia than in Western Europe. As the loan seeker i... Read >
Author: Anaya Erika
25th January 2007
It is generally the case that finances are never sufficient to match our needs and desires. Some times or the other, most of us do face monetary shortfall. And the situation may be such that it is not possible to forgo the particular need(s). So, what is ... Read >
Author: Angelo Drew
03rd January 2007
Secured loans have been serving as a financing solution for people in need of money for a very long time. A borrower needs to put forth some valuable asset as security against the loan amount. The security provides assurance to the lender that the borrowe... Read >
Author: grant cliv
21st November 2006
Undoubtedly, it can be said that daily expenditures in the UK are increasing day by day. In this situation, the demand- graph for loans is also moving upward. But, it is also true that availing any loan is not as easy as it sounds. In that case, if you ar... Read >
Author: Peter Taylor
17th November 2006
Are you looking for a loan which is cheap, fast and can be repaid easily? Well, getting a kind of loan which has all these features is quite difficult. But still not impossible. UK residents can now avail fast secured loans which offer you quick money and... Read >
Author: Renita Vaughan
16th November 2006
Stop compromising with your dreams. Now money deficit can no more prevent you from meeting your much desired dreams. If you are a UK resident, then secured loans have good news for you as they provide personal secured loans to meet your dreams.
Persona... Read >
Author: Aldrich Chappel
07th November 2006
You may not be having a property under your name, but should that be an impediment if you are applying for a loan? Not at all if unsecured loans UK is applied for. Though unsecured loans are risky but providers of unsecured loans UK have enough experience... Read >
Author: Maria Smith
07th November 2006
You want to avail a secured loan. But, you do not want to spend much for that. Then, what else? If you are a UK resident, some tips are mentioned here for you, which will guide you in choosing low cost secured loans UK.
Selection of security:
From t... Read >
Author: James Taylor
16th October 2006
You can use a secured loan in UK to cater any of your personal needs. As the lender is sure about getting back his loan money in presence of security he gives freedom to the borrower to use the loan money the way he wants. You can use the amount for mergi... Read >
Author: Peter Taylor
31st August 2006
In these days of consumerism, people are always seeking money to satisfy various needs. Personal source of income therefore proves to be insufficient and borrowing money becomes inevitable. The borrower looks for the right loan package of lower interest r... Read >
Author: Peter Taylor
17th August 2006
If you are willing to offer lender your property as security for loan, then you do get the required amount of loan at easier terms and conditions including lower interest rate. Secured loans UK is one such loan product that provides cheap finance at overa... Read >
Author: Peter Taylor
08th August 2006
Though getting a secured loan on the strength of your property is easier, still your priority is to get the loan amount at your disposal quickly so that urgent personal works may get completed in time. A plain secured loan will take its due long course be... Read >
Author: James Taylor
13th July 2006
Life….. a process which keeps on going, definitely not affected by your finances. Finances can't influence your life, but it surely has an effect on the quality of life you live. There are lots of things you want to get or achieve to get peace of mind and... Read >
Author: Andrew Baker
12th July 2006
Money, they say is a strange virtue - sometimes it is more plentiful than one requires, at other times one can do good with some more of it. Putting off a requirement or letting an opportunity go by might not be such a good idea at most times - it is bett... Read >
Author: steve C clark
08th July 2006
If the borrower has something that he can provide as a security then the best possible loan option for him will be to take secured loans. Secured loans, as we know, are loans which are offered to borrowers on the pledging a security. That security can be ... Read >
Author: Andrew Baker
03rd July 2006
In simple terms, a secured loan is that where the person uses his property to get a loan. And this property acts as a security to the lender in order to balance the risk involved in lending the amount to the borrower.
Needs and requirements vary from p... Read >
Author: Aldrich Chappel
22nd June 2006
Everyone wants to fulfil his or her desires. We all have certain dreams and expectations, but our financial liabilities make us sacrifice our dreams. Anyone who has bad credit history or record would find it difficult to get a loan. In those trying times,... Read >
Author: daniel johns
07th June 2006
Money is the mandatory part to cope up with day-to-day increasing lifestyle in the UK. You may want to improve your home, arrange a holiday trip, pursue higher study and many other reasons can be there but the prime factor is only money. If you have suf... Read >
Author: Maria Smith
29th May 2006
Taking loans to meet the financial requirements has become a common practice in the UK. People in the UK generally prefer a loan which is easy to avail and at the same time suits their pocket. This offer is exclusively provided by secured loans UK.
Se... Read >
Author: Peter Taylor
20th May 2006
"Availing a loan and at the same time secure your pocket from burning hole"- This exclusive offer is provided only with secured loans for UK people. With secured loans, you will get an opportunity to avail a pocket friendly personal loan.
Like other se... Read >
Author: Peter Taylor
11th May 2006
Needs vary from person to person. We all might not be able to fulfill them at once. If financial worries are impeding your way to enjoy life, secured loans UK can help you accomplish your aspirations.
Secured loans UK in the UK are designed specially... Read >
Author: Peter Taylor
07th May 2006
If you have any property under you ownership, you avail secured loans UK with comfortable ease. While thinking of applying for secured loans UK, borrowers must take into account the key aspects of the loan in order to make the loan your financial strength... Read >
Author: Peter Taylor
07th May 2006
Property owners now meet their growing financial needs through secured loans UK. Attractive features such as low interest rate and larger amount of loan besides hassle free approval makes secured loans UK one of the most sought after loan products. Borrow... Read >
Author: Aldrich Chappel
02nd May 2006
We've all heard of the barter system. Secured Loans UK are something of the kind. They've got a little bit of "give" and a little bit of "take." … obviously, or what sense would they make? Secured Loans UK are Personal Loans that are currently the favouri... Read >
Author: Marsha Claire
01st May 2006
Personal loans are for the fulfillment of personal needs of the residents of UK. Everybody has needs or desires which he or she wants to satisfy but are unable to do so because of financial incapability.
It happens most of the times that you wish for ... Read >
Author: James Taylor
24th April 2006
Needs can crop up on anyone any time. It is paramount that we should handle them and handle them with due care. A need could be an emotional 0ne or it could be a financial one. We can solve our other problems but where the finances are concerned sometimes... Read >
Author: Andrew Baker
04th April 2006
You may not suffer from insomnia now because borrowing money was never that easy; the perception of world has changed today as borrowing money is not considered a taboo. You may be in a deep monetary crunch, there are various ways to dig yourself out o... Read >
Author: Christian Phelps
30th January 2006
Secured Loans UK facilitate borrowers to avail of capital against the value of the asset placed as security with the creditor. The creditor now has the ownership rights to the asset, which acts as guarantee against the loan. Although the asset is normally... Read >
Author: Nidhi Suchdeva
05th January 2006
The inventors of technology would have never thought in their life that their inventions will make human effort redundant. However, with every new invention, human effort is fast depleting. The lack of human efforts is easily noticeable in the taking of s... Read >
Author: Aldrich Chappel
09th December 2005
Today, with the constantly escalating standard of living in the UK, taking a loan is a mundane feature. It is no longer that last sought option. With growing competition, there are innumerable lenders in the UK finance market who can offer various loan op... Read >
Author: Marsha Claire
01st December 2005
Secured Loans UK facilitate borrowers to avail of capital against the value of the asset placed as security with the creditor. The creditor now has the ownership rights to the asset, which acts as guarantee against the loan. Although the asset is normally... Read >
Author: Marsha Claire
29th November 2005
1. It's a mistake to only care about the interest rate; there are also arrangement fees, insurance and prepayment penalties to consider. Many 'no fee' credit lines have a pre-payment penalty. This is how brokers and lenders make their money. Work out the ... Read >
Author: T. O Donnell
22nd November 2005
Secured loans UK are the loans in which a borrower pledges an asset like a home or car as collateral to ensure the payment of loan. This implies that in the event that a borrower is unable to pay the secured loans UK, the lender can repossess his home or ... Read >
Author: Carleton Carl
|