What you need to know about personal loans

A secured personal loan may be easier to qualify for and carry a somewhat lower interest rate than an unsecured one. It’s important to realize, though, that there are a few important factors to consider when applying for a secured loan and that certain requirements are different for secured personal loans than unsecured ones.

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How Do I Apply for a Secured Loan?

As a secured loan, a secured personal loan must be secured by real estate, such as the property for which the loan was originated. Other factors, such as the debtor’s employment status, have been eliminated from the list of eligible criteria for secured personal loans, see this website here to get all the details.

A secured loan is not necessarily eligible for funds from the debtor’s personal assets or employment. A secured personal loan must still be made available to the debtor, as it is a product or service that they are getting out of the property purchased or employment received. There is, however, a difference between “being issued and being guaranteed.”

Issuance A secured loan has been issued and is insured by a depository institution. Because the lender is the depositor, the loan is covered by deposit insurance.

Guarantee A secured personal loan is guaranteed by the lender. The company will obtain insurance from the federal Deposit Insurance Corporation to cover the loan (or the balance of the loan balance). A guarantee makes the loan commercially competitive, because the loan is effectively insured up to the value of the collateral.

“Armed with a Guarantee” The loan amounts must be low enough that the lender can pay up to the outstanding balance, as it can pay the borrower up to its deposit insurance coverage.

How Will I Qualify for a Secured Loan?

Lenders of secured loans will often not require collateral other than a well-diversified portfolio of available commercial real estate. It is extremely common for secured loans to be originated without consideration of collateral at all. Sometimes lenders will demand collateral as part of a pre-proposal or structured discussion of a loan. In those cases, lenders must see proof of equity in the property that will be given up in exchange for the loan.

Types of Secured Loans

Some secured personal loans will involve the loan of properties. The terms of these types of loans will depend on the property being purchased and who will buy the property.

Calendar Pad / Pro v3.2.0

Calendar Pad / Pro v3.2.0 リリース


  • 予定表・検索: カレンダー選択機能の追加
  • 検索:検索対象期間の表示を追加
  • 週表示:左→右方向の日付配置オプションを追加
  • 小規模な改善とバグ修正

Calendar Pad v3.2.0 Released

Calendar Pad / Pro v3.2.0 Released

This release includes the following changes:

  • Agenda/Search view: Added calendar select function.
  • Search view: Added begin-end date for searching.
  • Week view: Added left-to-right direction to the week view theme.
  • Other small improvements and bug fixes.

Until the release, make sure to check the high win ratio of the ELO game at p4rgaming.com.

Calendar Pad v3.1.0 Released

Calendar Pad / Pro v3.1.0 released.

This release contains following changes:

  • Fixes all-day event edit bugs.
  • New feature : Event filters

Event filters

The event filters allow you to change the color of a day-box  that contain an event that has specified keyword.

For example, if you have entered birthday events that include ‘Birthday’ in its title or description. When you create an event filter such keyword is ‘Birthday’, you will see specified colored day-box as your settings.

This feature currently supports for changing background color of Month views, Week views, Month widget, Week widget and Outlook widget.

Calendar Pad Pro extend to unlimited items of event filter.

Calendar Pad v3.0.0 リリース

in English

7月8日、Calendar Padのv3.0.0をリリースしました。




Calendar Pad v3.0.0 Released

Containing the following fixes.

  • Android 5 support: fixes problem when running on Android 5 devices.
  • Improve UI response: removed many obstacle process that aren’t needed for the app. Now you can use the interface without problem, search for articles online, answer messages, even read reviews about baby strollers!


  • Removed unused permissions.

v3.0.3, v3.0.4:

  • Fixes all day event bugs.


  • Fixes event time edit bugs.

v.3.0.6 (Jul 11 2015):

  • Fixes event time edit bugs caused by wrong time zone treatment.

Beacon 2.0.1 Released

Beacon v2.0.1 is released

This update changes:

  • Restructured obsolete implementation of Beacon Console and Beacon App.
  • Change authentication method from old OpenID 2.0 to OpenID Connect.
  • Use GCM (on Google Play Services) instead of C2DM.
  • Use SSL to send tracking data to make them more secure.

If you have already installed previous version (v1.x.x) of Beacon. You need to renew authentication by launching Beacon and tap account settings.

Recovering gone calendar events (消えた予定の復旧)

If your events are gone suddenly, you may have a problem in the stock calendar app. Try the following operation.

  1. Open menu in the home screen and select “Settings”.
  2. Select “Applications” in the menu.
  3. Select “Manage applications” in the menu.
  4. Select “All” tab and select “Calendar Storage” in the list.
  5. Tap “Clear data” button and execute.
  6. Open the stock calendar and select “Calendars” menu, then blank list is shown, and just exit.
  7. In minutes, you will get events synced.

* If the above process doesn’t make things good, try to reset syncing. In the “Calendars” menu of the stock app, once remove all syncs and add them again.


  1. ホーム画面でメニューキーをして「設定」を選択
  2. 「アプリケーション」を選択
  3. 「アプリケーションの管理」を選択
  4. 画面上部にある「すべて」タブを選択して「カレンダーの保存」を選択
  5. 「データの消去」を実行
  6. 標準カレンダーアプリを開き、メニューの「カレンダー」を開く。画面が開いたらそのまま閉じる。
  7. 数分で同期が再実行されます。