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online loansIn need of an unsecured loan, signature loan, small business loan or personal loan? Our lending programs are available nationwide.

 America One helps clients finance Millions in loans every year. Start-up businesses are accepted and no business plans or financial statements are required. Customized financing programs are available to fit almost any small business related or personal financial need. Our Quick Loan Process will help you to dramatically increase your chances for the approval of your unsecured loan.

Our specialty finance product is a Signature Loan that can be used for any purpose, with no collateral required. Your loan approval is simply based upon our expertise and your current credit standing. Whether you are seeking a no collateral loan or a personal loan we understand the needs of our clients and are committed to making the financing process as simple as possible.

The Breeders' Cup World Thoroughbred Championships will head back to the Big Apple this year to Belmont Park -- Saturday, October 29. In 2001 the country yearned for some escape in the wake of the tragic events of September 11th and the Breeders' Cup did not disappoint. It was the American Tiznow's famous battle against European sensation Sakhee in the $4 million Breeders' Cup Classic, powered by Dodge, that provided one of the most thrilling finishes in the history of the event.

From the time Wild Again, Slew O' Gold, and Gate Dancer dueled down the lane together in the first Breeders' Cup Classic (G1) in 1984, the race has lived up to its billing as the showcase race on a showcase day of racing. Strategically placed as the last of the seven Cup races, a certain amount of dramatic tension is built up each year on Cup day as the day winds its way to the Classic. Rarely does the race let racing fans down.

The first Classic produced the first of many Classic surprises, with 31.30-to-1 long shot Wild Again outlasting his more fancied foes to claim the $1.35-million first place check. The race solidified Pat Day's prominence among the nation's leading riders and sent a clear signal the race would be unpredictable and exciting.

The next two years saw outsiders triumph through Proud Truth (7.40-to-1) in 1985 and Skywalker (10.10-to-1) the next year. But 1987 saw the most formful and dramatic Classic to date. Kentucky Derby (G1) winners Ferdinand and Alysheba worked their way past Judge Angelucci and Candi's Gold inside the eight pole, then staged a pulsating duel the final 100 yards, with Ferdinand getting up by the slimmest of margins to clinch Horse of the Year honors. Undaunted, trainer Jack Van Berg brought Alysheba back to the Classic in 1988, and this time the bay son of Alydar would not be denied, defeating Seeking the Gold by a half-length to sew up 1988 Horse of the Year honors and wind up his career with record earnings of $6,679,242. The Classic was blessed with another classic duel in 1989, as that year's leading three-year-olds, Sunday Silence and Easy Goer, filled the top two positions, Sunday Silence prevailing by a rapidly diminishing neck on his way to Horse of the Year honors.

The 1990`s kicked off with another Pat Day triumph, this time aboard Unbridled. But the Classic would soon be known for the exploits of another leading East Coast-based jockey, Jerry Bailey. Bailey won his first Classic in 1991 with a crafty, front-running ride aboard Black Tie Affair (Ire). After Eddie Delahoussaye guided A. P. Indy to victory in 1992, Bailey's lock on the Classic took hold. Riding Arcangues, a French-based son of Sagace who had never run on dirt before and was dismissed at 133.60-to-1, Bailey produced the biggest shock in Cup history in the `93 Classic, drawing away from favored Bertrando to win by two lengths. Bailey would win the next two Classics aboard Concern and the incomparable Cigar, giving him four victories in five years in the world's richest race. His bid for a fifth victory was thwarted in 1996, when Cigar--making his career finale--could only finish third, beaten a nose and a head.

In 1997, Skip Away turned in the most dominating performance in Classic history. The four-year-old, ridden superbly by substitute jockey Mike Smith, moved to the lead with five furlongs remaining, then drew off with disdain to triumph by six lengths, setting a Breeders' Cup Classic record with a time of 1:59.16.

A similar effort was not in the cards the next year at Churchill Downs, however. Racing over a track he was not comfortable on, Skip Away finished sixth as the 1.90-to-1 favorite. Awesome Again, undefeated in 1998, won a stirring, unusual stretch drive with Silver Charm and Swain (Ire), who went almost to the outside rail under Lanfranco Dettori. The race's purse, inflated by supplemental fees, was $5.12-million, making it the richest race ever run.

Day made it back-to-back Classics in 1999, expertly guiding 19.60-to-1 long shot Cat Thief to a 1 _-length victory over 26.50-to-1 long shot Budroyale. Surprisingly, the victory was Hall of Fame trainer D. Wayne Lukass first in the $4-million race.

What are the three `c's`?


Traditionally bankers look at what are called the three `c's`: character, credit and collateral. Character means more than not having a criminal record. It means that the banker feels confident that you are not going to suddenly disappear for parts unknown if the business runs into trouble. Specifically bankers like to see ties to the community such as long residence, family ties, and home ownership. A clean credit history is important. A couple late credit card payments shouldn't be a factor, but missing mortgage payments for three months in a row will require a good explanation. Bankers like good character and good credit, but they live for solid collateral. Equipment, buildings and trucks--that's the kind of stuff that bankers really like for collateral--solid value and likely to be worth a lot even if the business goes bust. Inventory, raw material and goods are second choices for collateral--they will lose their value more quickly than fixed assets but still be worth something.

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