Author: Soham Boyd

With the competitive interest rates and terms being offered by financial institutions nowadays, it can be quite tempting to get into a personal loan for your needs.

However, getting into debt, be it for going on vacation, buying your dream car or other deserving purposes is always a major concern to many because the debts seem to be a get-less now and pay-more latter scheme to many.

They come with not only high-interest rates but with other additional costs wrapped in the product loans. Therefore it is essential to consider the tips below before choosing the best personal loans for your needs.

Trusty Tips to Help You in Choosing the Best Personal Loan

1.    Shop Around For The Best Deal

Different lenders have different kinds of products for different needs. You’ll want to find a loan provider that gives you the best deal. Depending on your preferences, some loans might require collateral while others demand higher interest rates to offset the risk.

Always compare the type of loan that you are being offered with other types to choose the one that will serve your preferences better. For a great choice home loan, feel free to visit

2.    Look For The Best Personal Loan Lenders

Shortlist the loan providers in your region. Narrow down to the best loan providers for personal loans.

Ideally, the best financial institution to choose should be your local bank. This is because they are well-conversant with your financial capabilities and they may be more than willing to offer you credit.

However, this should not limit your search for other better loan providers if your bank doesn’t have the best personal loans for you.

3.    Compare Different Loans Beyond The Headline Rate

Loan seekers tend to compare loans by looking at the base rates only. Well, interest rates contribute mainly to the cost of a loan. But also, there are other costs that financial institutions wrap in the loan products that can significantly add to the cost of the credit too.

For instance, you may be required to pay application fees, legal, insurance and appraisal fees among other charges before securing the loan. That said, there’s a need to make a comparison before you settle on one lending institution.

4.    Personal Loans With Shorter Repayment Periods

Most people like the enforced discipline to repay a loan within a shorter time frame for various reasons. One, getting such a loan means that you will pay a lower interest rate. Also, the longer you have a bank loan, the more risks the loan carries.

With the higher interest rates coupled with the risks from a long-term loan, you are more likely to end up being a loan defaulter in the long run. Therefore always prioritize loans with a shorter repayment period.

5.    Ascertain Whether You Can Repay the Loan

Don’t just take a loan because you are eligible. Always ascertain whether you can repay the loan before considering taking it. Simply don’t over-borrow.

Borrow only what you need, negotiate for better terms and make the loan as cheap as it can be. Always remember it is easier to get a loan than to repay it.

6.    Better Your Credit Score

Though often overlooked, your credit score can make a significant difference in the interest rate required to be paid on a personal loan. Therefore, you need to up your credit score for lower rates and better terms. You can do this in several ways.

First, you need to maintain a positive credit history- repaying all short or long-term loans you take in good time. You can also add a cosigner. A loan cosigner will add to your credit score and help you lower interest rates to your loan. One thing to note is that the cosigner should also have a good credit history too to help you access better loan rates.

7.    Carefully Go Through Every Detail

Read the fine print and understand all the terms and conditions of the loan. And in case of a doubt, don’t shy away from asking questions for clarifications.

For example, ask about the penalties for late payment and other penalties you may face. By this, you will be aware of the penalties that you will suffer.

8.    Choosing Between a Fixed Rate and a Variable Rate

Which option is the best? Fixed or variable rates?

Variable rates offer lower interest rates at first; then your rates may fluctuate depending on the bank’s standards. By choosing these rates, you are taking a risk, and in case of the interest rates increases, you will also be required to make higher repayments.

On the other hand, a fixed rate offers the same rate for the whole loan term. With a fixed rate your interest will remain the same, and this can help you budget accordingly.

Bottom Line

Obtaining the best personal loan takes some years of carrying out continuous financial transactions, a good credit score, and a solid business background. Before thinking of a personal loan other alternatives to a personal loan. And if it’s the last thing you can do is choosing a personal loan, choose wisely!



How Many Pieces Should Go In Your Electronic Drum Set?

An electronic drum set can work in many ways. You can get your drum kit working with an assorted variety of pieces that will produce sounds similar to what you would get out of a traditional drum kit.

But how many pieces do you require out of your drum set? You’ve got to look at how well you can get your drum kit ready, so you’ll have enough pieces for the distinct sounds that you want to produce. The points here are recommendations, but you should plan your set out accordingly based on what you know you can work with.

Consider the Zone Pads

The zone pads that you will use on your drum set are the most important points for you to utilize. You have to get enough of these pads around each part of the drum kit to produce a realistic feel for how you’ll play the drums. You can get those pads configured to work with different sound tones as you see fit.

A good rule of thumb is to have four of these in your kit, although you can work with as many as you feel are needed. Most companies that make these drum kits sell them with four of these, although they allow users to be flexible over how many pieces are to be linked up at a time. The flexibility helps with producing a better organic setup for most uses depending on what one wants.

You can also use a smaller number of these pieces if you’re looking for a minimalist approach to your work. You might also prefer to place emphasis on other notes that you want to produce. You can control your sounds on the instrument in any way you see fit, although you have to plan these accordingly.

Cymbal Points

The cymbal pieces in your electronic drum set will be different from the zone pads in that those cymbals will look like the real things. You should aim for two or three of these pieces. You can produce the first one near the left-most zone pad. The other two can go on the opposite corners of the middle pads. The design would create a layout similar to what a real drum kit offers.

How About the Kick Drum?

You can use one or two kick drums in your set. KaraokeBananza provides some amazing kick drums. You can get these to link up to a set, but you must check on how they will produce sounds. Having one kick drum piece that produces a different tone from the second one is a good idea to consider. The two parts should be placed far enough from one another so you can control them right while having enough support with making the content work for your desires.

Review the Control Panel

While you can get as many pieces in your drum kit as desired, you have to look at how well your drum kit’s control panel can work with these features in mind. Your panel needs to have enough controls for all of these pieces that you wish to work with. The control setup should be helpful enough for handling all of the points that you want to utilize in your kit.

Consider Your Talent Level and Playing Style

Regardless of the electronic drum set you utilize, you need to look at how well you can play drums. You should not use more pieces than whatever you can afford to work with at a time. You can always train yourself to work with more items on your drum set, but it is best to avoid anything that you’re not comfortable with utilizing.

See how well you’re going to get your electronic drum set arranged based on the number of pieces you will utilize. Your ability to handle the electronic drums is essential to your success with the instrument and how well you are going to play with it.

tags: electrical , art

Beauty Salons & Spas:  28 Business Listings for beauty salons & spas in Montrose, CO.

About Image:  970-252-7405

Alicia:  970-249-3111

Allure Beauty Salon:  970-249-9311

Canyon Ridge Salon:  970-249-9994

Changes At Sophisticuts:  970-249-7747

Color Connection:  970-240-3202

Crystal McCurdy At Lot Locks:  970-258-0450

Dalee Salon & Spa:  970-249-6401

Hair by Candace at Katy’s Corner:  970-252-9331

Idie’s:  970-596-3399

Indulgence Salon & Spa:  970-252-3329

Interhair:  970-249-3521

Katy’s Corner:  970-240-9004

La Donicia Hair Design:  970-249-2367

Lasting Impressions:  970-249-2019

Lions Mane:  970-252-3732

Lords & Ladies:  970-249-9646

Plaza Salon & Spa:  970-249-6621

Salon Polished:  970-964-4350

Shear Beauty:  970-249-4344

Sindy’s Salon & Spa:  970-249-1975

Sophisticuts:  970-249-4247

Studio Ten Eleven Hair Design:  970-252-1011

Styles By Gayle:  970-275-3565

The Parlor:  970-249-8600

Vickie Hair Designer:  970-249-214

Westside Beauty Salon:  970-249-8220

Child Care:  9 Business Listings for Child Care in Montrose, CO.

ABC Kids Preschool:  970-240-6009

All About Kids Leaning:  970-240-6120

Annie’s Nannies of Telluride:  970-249-2419

Child Quest Learning Center:  970-323-5772

Hug-A-Bear Child Care:  970-240-0806

K’s Kountry Kids:  970-323-5949

Little Munchkins:  970-252-3591

Little Sprouts Pre-School:  970-240-6102

Montrose Christian Childhood Center:  970-249-0710

Barbers: (13) Business Listings for barbers in Montrose, CO.

Affordable Cuts:  970-765-2040

Allure Beauty Salon:  970-249-9311

Al’s Barber:  970-249-6288

Carla’s Clip Joint:  970-240-3057

Classic Cuts:  970-323-8811

Great Clips:  970-252-9416

Hunters Barber Shop:  970-249-2575

Jack the Clipper:  970-249-1783

Lasting Impressions Hair Designs:  970-249-2019

The Parlor:  970-249-8600

Sophisticuts:  970-249-4247

Sport Clips:  970-252-1155

Tim’s Barber Shop:  970-249-4186

Lawn Care:  18 Business Listings, including lawn care, and tree services,  in Montrose, CO.

Lawn Care:

Alpine Lawns:  970-765-5904

American Turf & Tree Care:  970-249-1519

GrassBusters Landscaping:  970-252-1146

Green & Bare It:  970-240-4733

High Country Turf Care:  970-323-0272

Montrose Landscaping:  970-249-2659

Pest Away Spraying:  970-249-3353

Prestige Landscape Management:  970-901-9036

Rocky Mtn Lawn Co:  970-240-3430

Tree Service:

A Cut Above Tree Service:  970-249-2959

Greg’s Tree Service:  970-240-1872

High Country Tree Galleries:  970-252-1715

High Mountain Forest Products:  970-249-7601

Montrose Landscape & Consulting:  970-249-2659

Tree Specialists:  970-249-8070

Wilson Tree Service:  970-249-7166

Whether you’re looking for that quaint Bed and Breakfast or a national motel chain, Montrose is your one-stop shop for lodging.  Large group or small expedition, we offer a variety of accommodations within walking distance to exceptional eateries.  Montrose prides itself as an RV friendly community, with parks located in the town to repair facilities supporting major RV repair.  Whether traveling by air, auto, recreational vehicle or bicycle, we have facilities to meet your needs.  Why not explore the possibilities?


Bed & Breakfast:

Canyon Creek Bed & Breakfast

820 E. Main Street, Montrose, CO


Where everyone feels at home, and the ordinary becomes extraordinary…..


Black Canyon Motel

1605 E. Main Street, Montrose, CO


The Black Canyon Motel of Montrose offers some of the best lodgings around. We have 49 cosy Montrose Hotel rooms, which include suites and Jacuzzi suites. Guests also enjoy a complimentary deluxe breakfast. Reserve your room online, or call us today at 800-349-3495.

Affordable Inns

1480 Highway 550 South, Montrose, CO


Located on the south side of Montrose with 52 inviting rooms, indoor pool, and Jacuzzi. Affordable Inn offers amenities such as laundry facilities, several full kitchen units with cooking kits are available, family and pet-friendly, all with the goal of making your visit memorable.


Briarwood Inns

1225 East Main Street, Montrose, CO


Welcome to Briarwood Inns! We offer clean, comfortable lodging and we are located right on Main Street in Montrose, CO.


Best Western Red Arrow:  970-249-9641

Blue Sky Inn:  970-249-4595

Country Lodge:  970-249-4567

Days Inn:  970-249-4507

Econo Lodge:  970-240-8000

Hampton Inn:  970-252-3300

Holiday Inn Express :  970-240-1800

Motel6:  970-249-3411

Quality Inn & Suites :  970-249-1011

Roadway Inn:  970-249-9294

Uncompahgre Lodge : 970-240-4000

Western Motel:  970-249-3481

Insurance:  29 business listings for insurance in Montrose, CO.


Shelley A. Kelly

Licensed Insurance Agent

25 N. Stough Ave., Montrose, CO


Specializing in Life, Health, and Long Term Care Insurance. Please do not hesitate to call me with questions or to schedule a “Needs Analysis” appointment to review your current policies.


Howard Davidson Agency

Auto- Home- Life- Business

701 S. Townsend Ave., Montrose, CO


Take The Farmers Challenge:  let us quote your insurance:  if we can’t beat your current price, We’ll give you a $25 gift card to the Coffee Trader, City Market or Camelot Gardens.  Contact us to set up an appointment.


Ron Smith, Financial Advisor

Edward Jones

701 E Main St., Ste. F, Montrose, CO


We offer numerous investments and services to help you reach your financial goals, including smart spending and borrowing options, retirement, paying for education, estate considerations and protecting your assets. Please contact me for more information.


AFLAC Rex Swanson:  970-240-0782

Adobe Hills Insurance:  970-249-5650

Aspenridge Insurance:  970-249-0102

Greg Bollig  Insurance:  970-249-6823

Colorado Farm Bureau:  970-249-3436

Colorado Retirement Servicees:  970-252-1040

Cowest Insurance Providers:  970-275-4130

David Barney Insurance:  970-249-9336

Farmers Insurance, Hillman Agency:  970-240-0444

Hallam & Assoc:  970-249-1526

Insurance Center:  970-249-2222

Insurance of the San Juans:  970-252-8580

Insurance Options:  970-424-0872

Kim Madison Agency:  970-901-1742

McIntosh Tom Insurance:  970-252-8030

Metropolitan Insurance:  970-323-6175

Mountains West Insurance:  970-240-8964

Neill Mark Insurance:  970-252-8960

Schiller Insurance:  970-249-4428

Shaw Daniel Agency:  970-240-2155

Sims Homer Agency:  970-249-4712

State Farm: John Donley Agency:  970-249-7551

State Farm:  Trjuillo Mike Agency:  970-249-4404

State Farm:  Cisco Martinez:  970-249-7688

Watson Insurance:  970-249-2298

Wehmeyer Insurance:  970-249-2762

Western Group Insurance:  970-249-6661

Tax Return Preparation:  15 Business listings for tax preparation in Montrose, CO.

Professional Tax Services LLC.

Timothy H. Slone, CPA

25 N. Stough Ave., Montrose, CO


I am a service-oriented professional providing accounting, financial, and tax-related services to individuals and business owners alike. I specialize in working with the business owner to minimize their tax burden while maximizing personal wealth.

ABC Tax Service:  970-249-2921

Affordable Accounting:  970-240-2712

Alpine Data Tax Service:  970-249-4322

Bea Froehde Accounting:  970-240-8570

Campbell Teresa:  970-249-7973

Corey Steven:  970-249-5134

Dalby Wendland & Co:  970-249-7701

Grosskopf & Grosskopf:  970-249-7738

H & R Block:  970-249-9253, 970-249-9253

Jackson Hewitt Tax Service:  970-240-2144

Mayberry Nona:  970-240-9377

Montrose Data Service:  970-249-7711

Moreland Donald & Assoc:  970-249-3424

Teresa Campbell:  970-249-7973