Friday, December 23, 2011

Caddie admits comments over the top

After having a day or so to reflect on what was seen by most golfers as a bitter and snide attack on his former boss, Tiger Woods, that took something away from Scott's great triumph, Williams announced on Sunday that yes, his reaction had taken things too far.

"Looking back on it, I was a bit over the top," he told Fox Sports.com at the Atlanta Athletic Club where he and his now employer, Scott, were getting ready for Thursday's tee off at PGA Championship.

"I had a lot of anger in me about what happened (with Woods) and it all came out," he explained.

After Scott won with Callaway Legacy Fairway wood, the caddy, whose interview with the media lasted longer than Scott's, said pointedly that Scott's victory was, "the most satisfying win of my career."



And this of a 12-year-career with Woods that, apart from his seven victories at Firestone, included 13 major championships among his 72 victories worldwide.

Williams also disputed Woods' version of how he was fired.

Woods said he'd made the move in a face-to-face meeting with Williams, but the caddy disputed this, saying it was done callously over the phone.

However, in his interview with Fox on Monday Williams said he wanted to put an end to the public spat.

"I said what I said, but I'm not going to say any more about Tiger," he insisted.

Williams felt he was unjustly fired by Woods last month after he agreed to caddie for Scott while Woods was recovering from injuries to his left leg.(Callaway Legacy Fairway wood)

He said he was badly hurt and angered when Woods accused him of being disloyal by working with Scott - this especially given the fact he had wasted nearly two years waiting for Woods while the scandall-hit super star first underwent treatment for a sex addition that was to lead to the failure of his marraige and then spent many more months recovering from an on-going knee injury.

Williams said last week was emotional because he knew Woods would be returning to golf at Firestone Country Club and he was determined to prove that Woods had made a mistake in firing him.(Callaway Legacy Fairway wood)

"I had a lot of emotions going on all week. You hear people say, 'How good are you now that you're not caddying for Tiger,' things like that, and it makes you want to prove yourself.

"And when we were coming down the stretch and all those people were calling out my name, I mean I've never experienced anything like that, and when Adam won, all of a sudden, all that emotion, it all poured out.

"But, look, it's time to move on. The Tiger thing is over."

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Scott taking Tiger, Rafa into the PGA

Adam Scott says he will be taking a little something from Tiger Woods and a little something from Rafael Nadal into this week's 93rd US PGA Championship inAtlanta.

And yes, because of it, the 31-year-old Australian believes he can count himself as a major contender to win hisTitleist Scotty Cameron Studio Select Putter - even if 2011's final major is coming on the very heels of his four-stroke triumph against a world-class field at the WGC Bridgestone Invitational at Firestone Country Club on Sunday - and everyone knows just how difficult it is to win two of the Globe's biggest tournaments back-to-back.

"You've got to play like a bulldog to win a golf tournament these days," Scott told the media inAtlantathis week. "It was like we're used to seeing Tiger close out tournaments. He gets in front and just won't let anyone in.

"And I like watching tennis, so I watch Rafa play and that's what you've got to play like. You've got to go for everything. You can't let up on one shot. That's how you win Titleist Scotty Cameron Studio Select Putter, because everyone is so good these days."

Almost certainly boosting Scott's new, more aggressive attitude to the game is his new caddie Steve Williams, who had been working for Tiger Woods for 12 years and had carried the maestro's bag in 13 of his 14 majors triumphs when he was told last month that his services would no longer be required.

England's Lee Westwood, trying to become the fourth player in a row managed by "Chubby" Chandler to win a major title, relishes the long 7,467-yard layout and dense rough on offer at Atlanta Athletic Club.

World No 1 Luke Donald of England, normally one of the most solid putters in the game. struggled on the greens last week, but in his case, he hopes this will be the week when his work on the greens comes together as he, like Westwood, tries for a first major victory.


"I'm not going to worry too much about the Titleist Scotty Cameron Studio Select Putter. I've always felt like I'm a good putter and those things will come around," he said. "I've just got to keep being patient and keep giving myself opportunities. That's all I can do."

Woods in the meantime, still with his golf design CEO Byron Bell on his bag, resumes his chase of Jack Nicklaus' all-time record of 18 majors after missing theUSand British Opens with a left knee injury suffered at the Masters.

He had not played a full round since April until he teed off at Firestone last week.

But he added that his first full 72 holes of competition in months had left him "absolutely encouraged for the PGA."

No American has won a major title since Phil Mickelson at last year's Masters and it's the longestUSwinless drought in major history.

Colourful, talented young American hopeful Rickie Fowler believes he might be the man to break the drought.

"It's up there," he said. "Having the stretch I've had coming into the PGA Championship, it's definitely the best I've been playing going into a major."

USOpen champion Rory McIlroy ofNorthern Irelandis another young gun who is ready to go - and expecting to handle extra pressure as he bids to win a second major .

He will play alongside fellow Northern Irishman Darren Clarke, who won the British Open last month, and Masters winner Charl Schwartzel of South Africa in the feature group during the first two rounds.

But another group to watch will be Scott and teenage terrors Ryo Ishikawa of Japanand Matteo Manassero of Italy. (Titleist Scotty Cameron Studio Select Putter)

Before his challenge fell away towards the end, Ishikawa pushed Scott harder than anyone else at Firestone last week and was a little unlucky to have hit Scott during one of the Australian's hottest-ever finishes.

Amother of the fearless band of cocky international young guns who have been helping to bring about a changing of the guard in world golf is Scott's Aussie compatriot, Jason Day.

"It's good to see him back on top," Day says of his fellow countryman, but at the same time the youngster. who shared second place with Scott behind Schwartzel at Augusta and was then second alone to McIlroy at the US Open, is hoping to go one better at Augusta Athletic Club this week, saying, "There was a moment there (at Firestone) for a little bit where he was just struggling a little bit with his confidence" and suggesting that if Scott lets down his guard like this again, he hoped to be ready to strike.

Indeed with Woods's ability to once more command the global golfing stage still very much in question - and certainly here and now this week - the 93rd PGA title is truly up for grabs and open to a greater range of possible winners than the vast majority of its predecessors..

It is going to fascinating to see how the seasoned 30 something like Scott, Westwood and Donald and the established big guns like Woods, Phil Mickelson, Padraig Harrington and now Darren Clarke in the light of his win at the Open Championship, are going to cope against the large and hungry band of Young Turks who have been so busy changing the guard in the past year or so.

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Is a Credit Check Required for Payday Loans?

Payday loans are a modern way of securing cash fast. They are far more accessible than most other lending options available and therefore are often sought by those with a poor credit rating. However, in the most part applications will subject to some form of credit check.

When you apply for a standard loan with a repayment period of between one and five years the likelihood is that there will be a lot more money involved and therefore the lender needs to be careful about who they give the cash to. Therefore they have to run a stringent set of tests to establish the credibility of each applicant, this includes a credit check.

Payday loans operate in a slightly different fashion. They are a short-term borrowing solution and have to be repaid (in full) at the next available date - i.e. when your salary lands in your bank account. As a consequence it is far more important to the lender that you will have the funds available then, without being overly concerned about the long-term likelihood of repayments.



Therefore the credit checks carried out for this kind of cash advance are far more limited and are likely to only impact those who have the poorest scores. More important is your salary, as this will be a determining factor in how much you can borrow and your ability to pay it off. If you are paid far in excess of what you're trying to borrow then there's a decent chance you'll have your application accepted - regardless of the credit checks.

The accessibility of finance is something that payday loan providers advocate. Whilst they do charge a fair amount for the privilege, it is important that people who can afford the repayments are able to get access to the money they need.

The interest rates are rather high, which accounts for the larger than usual costs, however it is this APR that allows the lenders to take greater risks. If somebody should default they will be subject to further fees and interest, so it's important that you only ever borrow what you can afford. As long as you are fully understanding of the loans, how they are charged and what you need to do then there should be no issues.

In the unlikely event that your application is unsuccessful you can try to access other payday loan providers. Often this won't have a massive effect on your credit rating, but it may be that other lenders can accept greater liability and will take on those who may be deemed to be 'riskier'. You might even find that some advertise that they don't use credit checks at all, which of course would mean that your chances wouldn't be limited due to your past financial issues.

So whilst in the most part payday loans will be dependent on a credit check, this isn't necessarily something that you should be concerned about. Many companies use this as a cursory way of determining your risk factor and will place greater weight on your earnings.

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Payday loans, as a general rule, are a far more accessible type of finance. They are designed as a short-term borrowing solution and carry a higher interest rate than any other loan as a result. Because of this increased APR and lower levels of lending, the providers are able to take greater risk with who can receive a payday loan.

This is a regulated industry though, which means that the onus is on the lenders to provide loans responsibly. As a consequence there are stipulations that applicants must meet if they are to be eligible for a loan. For instance you will need to be over 18, have a valid bank account (often with a cash card) and be employed.

The amount of money that you earn (after tax) may also be called into question. For instance, it is unlikely that a payday loan will be granted to somebody that receives less than 500 pounds per month (even 750 in some cases). They certainly won't be given to those who don't earn enough to cover the entire repayment.

Most payday loan providers will run some form of credit check. However, this won't be as stringent as most banks or other lenders. The reason for this is simply that the financing is only being provided over a strictly defined short period. Therefore they don't need to worry about their long-term potential for paying the total sum back. As long as the payment from their employer will comfortably cover the total loan amount, then the credit rating is secondary.



Of course, if your credit rating is extremely poor then you might find it difficult to get a loan from any reputable lender who uses a credit check during the application process. There are some payday loan providers who don't carry out these checks, so you might be better advised to try one of these first. Although if your credit rating is poor and you don't have sufficient funds to cover the new loan it might be worth seeking professional advice rather than creating further debt.

Payday loans are fine for anybody who has hit a temporary cash shortfall, but they aren't a 'get out of jail free' card. If you have to borrow more to pay off your last loan then eventually you will hit the buffers. Interest payments will soar and your original borrowing level could be greatly multiplied. This will invariably lead to further debt and will only deepen your issues.

So when seeking a short term borrowing option such as this, you really need to be fully aware of what you're signing up for and do your maths to ensure that you will be better off for it. If you find that actually it's going to plunge you into debt that you can't afford, you might be better looking for alternatives - even if you do have poor credit.

The good news for responsible borrowers, who have perhaps had their credit rating tarnished by poor money management a number of years ago, is that payday loans do offer a worthwhile and accessible solution. Perhaps you've overspent this month or have had an influx of unexpected bills and are struggling to cope. If this is the case, a payday loan can help you to spread the cost of repayments over a couple of months and allow you to avoid more costly bank charges.

Whatever the size of your current debt mountain, looking for extra finance can be stressful. However if you have been rejected elsewhere due to your poor credit rating then your stress levels may be heightened yet further. Apart from those who really can't afford repayments, payday loans are generally available to most full-time workers over the age of 18 who have a bank account. So if you're looking for a quick solution this might well be the answer.

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Why You Should Consider Purchasing a Life Insurance Policy

Whilst we don't want to have to think about our own mortality, life insurance can be essential for anybody who is looking to ensure that their loved ones are provided for once they are gone. Policies today incorporate a number of options and features to provide a level of cover that best suits individual requirements, therefore you should have even fewer reasons to avoid it.

Life insurance has become a necessity for many people. Today, if you are looking to buy a house using a mortgage, the providers will often look to ensure that you have basic coverage to meet your debt. It might seem a little insensitive, but it is far better than leaving your family with the burden of a huge mortgage and no income to cover it.

The level of cover that is required to secure a mortgage tends to be reasonably basic and so won't cover any other specialist policies. For example, some life insurance will now include critical illness cover. Therefore if you should ever be diagnosed with a serious condition, you would receive a lump payout to help cover treatment costs and lost income. This would be particularly beneficial for anybody who has a history of medical illnesses within their family.

Your insurance policy can be set at different levels. This will often be dependent on what you are looking to cover and how much you would pass on in the event of your death. For instance, if you are a business owner with staff effectively being employed by you, it is important that operations are able to continue even if you aren't at the helm.

The more cover you get of course, the higher your life insurance policy will be - therefore it is important to weigh up how much you are prepared to put to one side and what you need to leave. If you have a growing young family you will want to make sure that they are provided for if you should pass away unexpectedly. Whilst we can't predict when we might die, you can at least lay the foundations for those who are financially dependent on you to continue their lives without hardship.

When it comes to single individuals, or even couples who are childless and have either paid off their mortgage or are renting, the decision to take out life insurance is a little more complicated. Who are you really benefitting by putting aside money each month during your life? It isn't, largely speaking, an investment for the person who takes out the policy as the payout is only triggered by your passing or the policy maturing - which often only happens after reaching your 100th birthday.

In this instance you would have to think of whether it could help your partner or other members of family if they were to become the beneficiary. For example, you would want to make sure that you had money in place to take care of your estate (if you are the owner of a home) and to cover funeral expenses. Life insurance is certainly an extremely good way of doing this.

Throughout the course of your life your attitudes and responsibilities can change markedly. When you are young and relatively independent, the thought of life insurance is almost ludicrous. However, as soon as you purchase a home and become liable for a huge debt, all that can change. This evolves further when you settle down and possibly have a family. You won't just be looking out for your own well-being, but that of your whole family.

So not only should you have a life insurance policy, but you should have one that adequately covers your needs and those of your dependents. Whilst it will cost you money now, it could help those that you care for most in the event of your death or critical ill health.

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