Oakley Whisker Sunglasses

Durable C-5 alloy is digitally sculptured into the thinnest wire frame ever created by Oakley

With the new year rapidly approaching, those looking to get their finances back under control or fund a major purchase may wish to consider applying for a loan.

Such is the assertion of Alliance & Leicester, which reports that a loan could be the "first step on the way to a financially-savvy new year". Buying a dream car or booking a holiday were also stated as ideal projects which could be funded through a loan.

It was also put forward that borrowers could use a personal loan as a means of debt consolidation, in which they convert the amount of money owed to various creditors and companies through store cards and other forms of borrowing into a single low-rate monthly repayment. Indeed, research from the financial services firm showed that the typical store card charges an annual percentage rate (APR) of some 27 per cent - almost four times higher than some of the cheapest loans available. Meanwhile, high street retailers Dorothy Perkins and New Look have APRs of 29.9 and 28.9 per cent on their cards respectively. Thus, those who are indebted across multiple store cards may well find their capacity to manage their money is squeezed.

Richard Al-Dabbagh, personal loans manager for Alliance & Leicester, claimed that a personal loan offers an ideal way "to get your finances sorted out and off to a flying start for the new year". He also pointed towards the quick loans currently being offered by the financial services firm as a means of providing immediate help with money. He added: "The fact that the loan takes less time to be paid into your current account means that you can get it working for you even faster. And with one of the best rates available on the high street, our personal loans aim to meet the needs and budgets of virtually everyone."

His comments come after the financial service firm revealed that it has become the first British bank to offer personal loans to consumers in which the money can arrive in their account on the same day that they make their application to borrow.

Samantha Owens, spokesperson for Moneyfacts, added: "The new year is a great time to remedy any financial hangover you may be suffering from 2007. Store cards are undoubtedly some of the highest rates your will find. If you do find yourself with a debt hanging around your neck, then a personal loan may be a good solution.

"Rates can be much lower and the regular fixed repayments can work well for the less disciplined of us. When refinancing, it's crucial that you pay off your expensive debt as soon as possible, and perhaps even cut up your cards to reduce temptation."

As a result, those people who are looking to buy a car, holiday or any other type of major financial purchase, may be advised to apply for a loan. In addition, consumers concerned that the numerous demands on their spending, such as utility bills and credit and store cards, will place them under unmanageable strain could discover that taking out a low rate loan allows them to merge all existing debts into a single monthly repayment, leaving them with more disposable income.

Speaking earlier this year, Derek Oakley, insolvency director for Debt Free Direct, claimed that for many people access to loans keeps their lives "going". The director reported that although a minority may struggle to manage such borrowing, the majority of Britons are able to make repayments regularly, with loans often assisting them in achieving financial desires. He added: "It helps them, it allows them to do things they wouldn't otherwise be allowed to do."

Mark Dawson writes for the the Loan Arrangers where you can compare loans and apply online for cheap home loans, and bad credit loans.

NEW OAKLEY A WIRE 2.0 Polarized Sunglasses Black Chrome

Frame Material: C-5 Metal Alloy Hinge Type: Metal spring Lens Type: Plutonite polarized Interchangeable Lens: No Polarized: Yes Case Type: Cloth pouch doubles as lens cleaner Nose Pads: Unobtanium rubber Arm Pads: Unobtanium rubber Recommended Use: Casual, sport

Having your own motorcycle is probably like a dream come true. You get to experience the thrill of speeding up in the fast lane or having a smooth ride as you cruise far-off roads and immerse yourself in spectacular views.

Riding a bike definitely comes with a lot of perks. But it also holds some major drawbacks. One of which is the possibility of an accident that can result in some serious injury since we all know that motorcycle riding can be a dangerous sport if not practiced with proper precaution. To protect you from crashes and accidents as well as to give you the feel of a real biker, here are just some of the apparels that you must have:

• Motorcycle leather jacket . We see that mesh and textile jackets are fast becoming popular as types of motorcycle jackets because of the relief it provides during warm weather. But we can't deny the fact that when it comes to serious riding, leather is still your best bet for protection against abrasions, burns and injuries. Leather can be your best armor against the rough road that will also protect you from road debris, wind, cold, dust, rain, and heat and give you the kind of enjoyable ride that what motorcycling is all about.
• Motorcycle boots. The leather jacket and the boots may embody the menacing and bad boy image that are stereotypical of motorcyclists but the real purpose of these apparel is to provide ample protection for the rider, not to scare off people. Boots are important because they cover the feet and the legs of the rider, protecting them from muffler burns, abrasions and broken or dislocated limbs.
• Leather pants. What's a motorcycle leather jacket without the equally dashing and important leather pants? These pair will come in handy in case of a crash and will protect your lower body from possible cuts and abrasions that the rough road may inflict on you.
• Helmet. Since we recognize that the head holds one of the most important parts of the body which is the brain, then we know how important it is to protect your head during a ride. Protect your head from serious injuries by wearing a helmet at all times.
• Other motorcycle accessories such as caps and sunglasses. These are nice additions for your motorcycling apparel that will definitely complete your biker look. These are also excellent gear for protection. Sunglasses will shield off dust and other road debris that may obstruct your vision. Those pairs that come with protection against UV rays will do good in protecting your eyes from the harmful rays of the sun.

For a motorbike rider, there's no more wondrous feeling than riding a bike and experiencing the thrill of the ride. But to make this experience even more enjoyable is to don the proper motorcycle apparel that will make your ride a safe and comfortable one.

For more tips and information about Motorcycle Leather Jackets, check out http://www.rockytopleather.com.