Keeping on top of your finances can sometimes be difficult, especially if you need to borrow money. Interest rates, hidden charges and penalties for late payments can leave you taking on far more than you bargained for – financially and emotionally. This leaflet gives you practical advice about borrowing money, explains the different options and outlines how much they could cost you in the long run.

Borrowing money: what you need to know

Interest rates
Any organisation that lends money will charge an interest rate. This is the price you pay for borrowing the money.

Interest rates are expressed as the amount of money you would have to pay back over a year (that is, the annual percentage rate or APR). The APR may be the same for the duration of the loan (a fixed rate) or can change during the course of the loan (a variable rate). You can use the APR to compare the cost of borrowing money.

This guide provides you with an overview of how to access and use the Secured Sourcing module. If you have any additional questions simply give us a call (0870 241 5465), visit our website www.trigold.co.uk/securedsourcing) or attend one of our free online training sessions.

Accessing Secured Sourcing
Click the Secured Loans icon from the top of the Client Screen in Prospector AAA.

The Secured Sourcing Main Screen
There are two routes you can take to obtain a secured loan for a client:

Quick Quote/Source and Refer to a Master Broker to give clients detailed information about loan products, including monthly payments and full product illustrations.

Refer Directly to Master Brokers for them to select the most appropriate
product. Just click the Apply button to the right of the Master Broker’s
logo to send the customer requirements electronically.

Sourcing Options

Fluency has a number of sourcing tools based on the information and time you have.

Simple Loan Finder
With the minimal details fluency can produce a list of secured loan products that match your criteria. Most issues regarding secured loans relate to the LTV and employment type. This tool asks these key questions in order to produce a quality sourced result.

Income Based Loan Finder
This includes the questions asked above, however it also includes questions regarding the clients income. This tool asks for all applicants’ income, including benefits, Child Allowance, bonuses to name a few. Using the Lenders criteria for usable income, Fluency sources for the best available product.

Adverse Based Loan Finder
The adverse based tool asks the questions above, however it also includes questions regarding the client’s adverse credit. This includes CCJ’s/Defaults on all credit. Each lender has their own criteria regarding what qualifies as an adverse point; Fluency works this out and produces a list of secured loan products to match.

The purpose of this document is to provide the policies and technical requirements that a Windows Phone 7 application or game must meet to pass certification and to be eligible for listing in Windows Phone Marketplace.

1.0 Program Overview
A core principle that is applied in designing the certification process is that each individual policy or requirement is clear, objective, and testable. This transparency is designed to help developers easily design and test applications to meet these requirements.

The following list shows the pillars of the certification program:

1. Applications are reliable.
2. Applications make efficient use of resources.
3. Applications do not interfere with the phone functionality.
4. Applications are free of malicious software.

2.0 Application Policies
To protect the Windows Phone Marketplace service and users of the service, and to address mobile operator requirements, Microsoft has established the following policies for applications offered for distribution in the Windows Phone Marketplace. Microsoft reserves the right to update these policies as needed.

Chapter 1 Phone Hardware + Your Software

Sometimes it becomes apparent that previous approaches to a problem haven’t quite worked the way you anticipated. Perhaps you just need to clear away the smoky residue of the past, take a deep breath, and try again with a new attitude and fresh ideas. In golf, it’s known as a “mulligan”; in schoolyard sports, it’s called a “do-over”; and in the computer industry, we say it’s a “reboot.”

A reboot is what Microsoft has initiated with its new approach to the mobile phone market. On February 15, 2010, at the Mobile World Congress in Barcelona, Microsoft CEO Steve Ballmer unveiled the Microsoft Windows Phone 7 Series and promised a product introduction in time for year-end holiday shopping. With its clean look, striking fonts, and new organizational paradigms, Windows Phone 7 Series not only represents a break with the Windows Mobile past but also differentiates itself from other smartphones currently in the market.

Take a glance at how Office Mobile is designed to give you a great productivity experience on your Windows Phone. Get a closer look at the new and improved features in the Closer Look section that follows.

Stay productive on the go

Use new views to quickly locate and take action on email. Stay on top of your calendar and easily manage your schedule. Review, edit, or comment on Office documents and use new navigation tools to quickly jump to the right place every time.

Capture notes and ideas with your phone

Take notes when you’re away from your computer and access them virtually anywhere. Create a quick list or supplement your notes with pictures and voice clips. Best of all, you can do it without the need to maintain multiple sets of notes. Keep your notes in sync and review or update them on your phone, PC, or web browser.