Here's what happened: Hertz Corp. laid off something like 92 people from their office in Oklahoma City. That left my dad with no job and a few weeks severance. There weren't any other COBOL / DB2 jobs available nearby, so they finally agreed to return to DFW.

With only a few weeks severance, my dad had to both hunt for a job and a home at the same time. My parents didn't know what to expect from a mortgage lender considering the circumstances. They had already learned the valuable lesson of how to consolidate debt, which meant lower interest rates and payments on existing loans. They needed one of those instant approvals without verification of income.

They actually found a mortgage lender to approve them for a home loan even before they had jobs in the area. That's ridiculous! It's these types of loans that encourage people (not my parents, but others) to be irresponsible and take unnecessary risks.

Then again, had they actually needed to use it, I suppose it would have been "convenient" to have a loan and buy a house during all the confusion of relocating. But does anyone seriously want a must pay $1K+ bill before they can guarantee the finances to cover it?

A bad credit loan make sense to a degree. Some people have valid reasons for their bad credit history. There are also some who choose to reform and need a fresh start.

An unsecured loan, however, is a bad idea. There's only one type of person you can expect to pay back an unsecured loan, and that's someone with impeccable moral standards. Those people are rare, though they do exist. I know someone who is in the situation to pay back an unsecured credit loan and he's one of the few people I can actually see following through with it.

On the whole, the stakes should be raised again. Regardless of what your holy Visa card has taught you, you are not entitled to credit. It is not a Constitutional Amendment. If you are going to own something (with the possible exception of a house), it should cost you money up front every time. Spending real cash is the only way you have a vested interest in taking care of the property. A person who receives products with no down payment will often naturally see the item as free and then resent the necessity of paying the bill later. Loans should be respected, since someone is footing the bill up front for you. You are receiving something without having met the criteria for possession. Take your freedoms seriously.

*this is a sponsored post

In the past, radiologists had very limited options for software and prices were outrageously high. A medical imaging software directory like the one at medicexchange.com levels the playing field and makes affordable software options more accessible. Potential benefits for the public include more thorough patient care and less overhead for doctors to build into pricing. Here's the official press release:
Medicexchange Announces Expansion of Radiology Product Directory

Radiologists' need for greater choice in medical imaging software continues to be met by Medicexchange with the recent expansion of the exclusive Medicexchange digitally-downloadable medical imaging product directory.

Medicexchange is adding new imaging software weekly and the product directory now includes leading radiology software such as Orthocrat's TraumaCAD allowing surgeons to develop a pre-operative surgery plan via clinical manipulation of digital orthopedic images, Confirma CADstream software to improve efficiency, access, standardization and compatibility in breast MRI, through to the latest version of eFilm Workstation, the powerful desktop diagnostic imaging software.

It is now possible to browse products by specialty, modality or software type and each product page now includes a wealth of supporting product and clinical information and related radiology news. The product directory now covers modalities from CT to ultrasound, across specialties from cardiac to musculoskeletal, making it easy for imaging professionals to find exactly what they are looking for.

The product directory also contains free trial downloads of many products to allow radiologists to try before they buy on Medicexchange. To ensure radiologists are given the best service possible, all users of Medicexchange are provided with free support.

A radiologist puts the case for the new product directory clearly in a recent Foster & Sullivan report: "What OEMs charge us for software is out of this world - thousands of pounds for one piece of software that can only be used on one terminal - so to have it available on the internet would be great. You'd have more freedom of choice and I'm sure prices wouldn't be so extraordinarily high."

"One-stop-shop (online) access to multiple software solutions offered at cost-effective pricing is increasingly perceived by radiologists to answer their rapidly-evolving software needs," suggests the White Paper's authors.

About Medicexchange:

Medicexchange.com is an online sales and information channel providing diagnostic, treatment and surgery planning solutions for breast, cardiac, musculoskeletal, abdominal-pelvic, thoracic and neuro imaging from a range of medical software companies. The site provides these solutions in a low-cost, on-demand and digitally-downloadable format for medical imaging professionals, providing access to information and products that are traditionally difficult to access.

Medicexchange.com is owned and operated by Medicexchange Plc. Medicexchange Plc is a subsidiary company of MGT Capital Investments, Inc. Product and company information can be found on www.mgtci.com. Stock symbol: MGT.

* This is a sponsored post