From different surveys, it is seen that the number of customers taking payday loan as well as payday lending companies are increasing frequently. If you are a person taking the payday loan for the first time or want to gather information regarding payday loan, then this article will be of great help to you.Definition of payday loan:-Payday loan is a very short term loan. Usually the term is 1-2 weeks. There are other names of payday loan like -...more
Are you approaching towards a payday loan cash advance for the first time? Are you acquainted with all the terminologies or facts that you will be facing when you approach for the loan? Need not to worry. We have assembled a brief glossary and definitions to make you understand about payday loan borrowing. Please go through it and gain the wisdom to make perfect decisions.▪Accrue:-Accumulation of interest on the loan taken by...more
If you spend more than you earn on a regular basis, it is a bad practice. To overcome this situation, if you borrow a payday loan, it will be a "risky solution". Payday loan companies often take the advantages of your need and lead you in debt trap.The most obvious disadvantage of payday loan is High cost. The APR of payday loan varies between 400% to 800%. Think about your investments even on a high interest stock, you can get an annual return of 20% to 30% for investment on a stock although investments on stocks are considered as "high risk".So, consider about all the possible alternative ways before opting for a payday loan cash advance.-Payday loan borrowing situation arises due to bad financial planning. I suggest you to prepare a realistic budget at the beginning of each month in order to keep the balance between your earnings and spending. Avoid unnecessary purchases. Also save some money each and every month. Your savings will be counted at the time of crisis. Consider taking help from a consumer credit counseling bureau.-Ask your creditors to give you a favor by waiting until your next payday. If you can manage them to do so, you need not to borrow the loan and thus you...more
Have you been considering starting your own business and working from home? The advantages of working from home and starting your own business are great. Not only will you be able to stay at home with your children, and be your own boss (who doesn't love that), but there are many tax deductions that can make a home based business opportunity very...more
Fixing a credit report starts with seeing what's on it. You may get access for free online. Try a search for "free credit report." Alternately, when you are denied credit based on a report issued by a local credit reporting agency, you can request a free credit report from that agency within 30 days. A quick look and you'll have an idea why you...more
How do you increase business profits? Answer the following questions carefully, and you'll have a good start. 1. Can you increase the average sale? A restaurant with 25% profit margins might make 50% on additional sales to existing customers (less labor to bag one large order than two smaller ones). Asking "What would you like to drink with that?" works, and it's just a start.2. What's the least expensive way to get a customer? Before you spend another thousand dollars advertising to get new customers, could you get as much business by spending a few hours contacting previous or existing customers?3. What low risk ideas can you try? I once sent a letter to several visiting basketball teams, inviting them to visit our restaurant, and giving the coach a free meal as an incentive. The cost? Two dollars. The pay off was two busloads of customers. At that rate, you could increase your business profits even if nine out of ten ideas fail.4. Have you tested prices? I knew a store that sold a product for a $1.05, that cost them $1.00. At a price of $1.20, it is doubtful that they'd lose half their sales, but if they did, they'd still make twice the profit. Some things even sell better at a...more
If you are in trouble financially, you have probably heard the term "credit counseling," but do you understand what it is? Oftentimes this term is used in the same sentence as debt negotiation or debt settlement, but actually, it's a completely...more
It's difficult to learn how to manage finances together when you've been managing your finances on you own, for better or worse, up until now. But when you become part of a couple, many things change, and your finances are no exception! Some couples...more
Buying a Home and Committing to a Mortgage can be very scary!A home mortgage loan is the largest debt that most Americans will take on in their life time. As such, making the decision to take out a mortgage is not one that most first time home buyers...more
Outsourcing your software development can save you time and money if you know what you need. Too often US companies attempt to outsource without a good understanding of what their software should do, and this is the biggest cause of outsourcing...more
"Old Roses" Convey Time Honored Tradition In the 18th Century, the practice of tending rose bushes was popular and a handy source for young men to offer as gifts during courtship. These roses were not only beautiful to admire and richly fragrant but...more
Mortgage amortization is often a mystery to the consumer. After all, they oftentimes watch as loan officers whip out their calculators and spill out complicated numbers in record time.But most consumers, unless they work in an industry related to the...more