Frequently Asked Questions for Black Pearl Consultancy

1. What is Black Pearl Consultancy?

Black Pearl Consultancy is a security organization and consultancy firm specializing in intelligence, protection and response.

2. What are the services we offer?

Our company offers services such as:

·         Corporate Risk Management

·         Security Risk Consultancy

·         24/7 Strategic Intelligence Monitoring

·         Information and Intelligence Monitoring and Advisories

·         Area Risk Mapping and Assessment

·         Business Continuity Management (BCM)

·         Business Intelligence

·         Travel Security Management

How to Win the Gold

Diamond is girl's best friend. It’s more precious and valuable than any other stone or metal on the face of the planet. But no matter how precious an iridescent diamond is, it’s not as melodramatic as gold!

Processed pure gold is magnificently shinier and more useful than its multifaceted counterpart. Gold production, from the mining down to the smelting, is a jaw-dropping feat in itself. The value of gold starts its accrual from the production. Variation in manufacturing process spells the difference in luster and quality.

Gold bar: Photo courtesy of Wikipedia

What is the Best Way of Debt Consolidation?

When secured personal loan was first introduced by banks, the market was not promising because many prospective clients lack assets to qualify as collateral. This limits revenue generation not only of banking institutions but of the government as well.

To provide a more practical option to borrowers, unsecured personal loan was introduced to those who do not have properties on their name but have the capacity to pay premiums and meet interest accrual.

Are Unsecured Personal Loans Bringing the Economy Down?

When unsecured personal loan was introduced to New Zealand banking, its goal was to serve a wider-bracket market and earn the industry more in the process. True to its goal, the loan revenue doubled in its first year. More residents have been availing the service ever since, taking advantage of the benefits this type of loan had to offer.

However, as New Zealand economy was hit by financial turmoil like the rest of world before the closing of the decade, losses from lent bank loans continue to rise due to the country’s overall poor credit rating and inability to repay financial obligations. In the Financial Stability Report of New Zealand released November of 2009, Deputy Governor Grant Spencer stated that further loan losses might still be observed for 2010 due to an increasing rate of unemployment in the country. This is in spite of the stabilizing monetary system until early this year.

How to Apply For a Secured Personal Loan Without Collateral

If you are planning to purchase from the latest car show and paying through personal loan is your preferred option, better think again. By loanable amount bracket, the price of a brand new car is more likely affordable only through a secured personal loan or a loan with collateral. But instead of putting your asset, such as house and lot, at risk, why not just preemptively use your soon-to-be purchased asset as collateral for itself? How?

Personal Loan: Need or Want?

Banks advertise their personal loan services by tapping people's wants before the needs. It’s a universally accepted practice and legal marketing strategy at that. The tactic is used aggressively by urging consumers with occasional misleading words and picturesque benefits of having instant money from banks and other lending institutions. Loan sharks, for instance, are infamous for taking advantage of this weak spot of those who are in need – and wanting!

How many people do yearn for a dream house, a well-deserved grand vacation in the most-talked about tourist spot or a flashy car? Banks know very well what people like and what risks people are willing to take to attain what they like the most. That is the foundation of their marketing tactics to get clients and earn more from the loan interests.

How to Get Discount on Car Insurance for Minors

Driving across states is sheer fun, but that doesn’t go without responsibility which the US government imposes to every license holder through car insurance. Legally owning a driver’s license in the United States, unfortunately, doesn’t make it legally enough for you to drive unless you get yourself a car insurance to keep everything under control even at times of accidents and catastrophes. The additional premium to be paid may be tad hefty, but that can be an understatement if you are a first time driver – a minor.

How Secured is Unsecured Personal Loan?

Unsecured personal loan seems to be the most enticing form of bank loan due to its leniency. There is no need to put assets (read: collateral) at risk with this type of loan. Rather, the lender relies on good credit history and trust that the borrower will follow the underwritten obligations. However, what people do not know is that rejections for unsecured personal loans comprise more than half of the total rejection cases for all types of loan in the US. Why is this so?

Unsecured Personal Loan vs. Secured Personal Loan: Which Should You Choose?

Dreams turn to reality through hard work and tinge of luck. But this may not always be true, especially at a time when money is rapidly dominating the society. For banking institutions though, dreams and money always work side by side which is understandable as the nature of their business is all about money. Truly stated, banks can make dreams come true through loans like an unsecured loan – but they also make nightmares – real life nightmares!

What Should You Know Before Applying For a Personal Loan?

Choosing the right bank to file a personal loan with is as daunting as paying the dues itself. There are vital factors to where borrowers should base their decisions before making up their minds. Some are obvious considerations while some are often overlooked.

Here are the things you need to know before signing a policy and contract with bank representatives.