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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.

As you are reading this on the World Wide Web, far be it from me to deny claims that soccer was invented by the Chinese, Greeks or Romans. However, the fact is that the rules of the game of soccer we use today are due to the young men at England's schools and universities in the mid nineteenth century. They produced the codes of law that were necessary before two teams could compete on equal terms.

If you were transported back to the 1860s, you could be forgiven for assuming that the group of young men playing with a large muddy object in open fields were engaged in a game of rugby (or American football) rather than soccer, or maybe just a general brawl! If a player caught the ball, he could run with it until tripped or hacked to the ground; "hacking" was a sharp kick to the shins. If the ball was on the ground, both sets of players would form a scrum round the ball and attempt to move it forwards. A participant admitted that "frequently, rough play was engaged in" and you can imagine that tempers were short in the general melee. Another account described the players "as a set of harmless lunatics, who amused themselves by kicking one another's shins, but did no great harm to the public at large".

The public schools took the lead in writing down the rules of the game for others to follow. However, each school had different ideas on the size of the pitch, the size and shape of the ball, how much handling was allowed, and whether or not hacking was permitted. The early soccer clubs would have adopted whatever practices suited them best. The first "club" (as distinct from a school or university ) was the Sheffield club, formed in 1857. Sheffield adopted a set of eleven rules. These were based, we believe, on the laws in use in the public schools and at Cambridge. Pushing with the hands was allowed, but not hacking or tripping. Running with the ball in the hands (as practised at Rugby school) was not allowed. However, the ball could be caught, provided it had not touched the ground; a free kick then followed (similar to the "mark" in today's rugby football). The ball could also be pushed on with the hand. There were no off-side rules, so players known as "kick-throughs" were positioned permanently in the opponents' half. There was no limit on team size, and whatever size or shape of ball that happened to be handy was used. Referees were unnecessary, as the two captains would settle any dispute.

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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