Short-Term Loan With No Trouble: 3 Questions For Consideration

16 October 2018 614 Views

Do you always repay loans on time? Even if you have a lot of experience with long-term and short-term loans, and the credit world in general, there is always a temptation to pay back an old loan by taking out a new one. This is especially true, since there are so many online loan companies ready to give you the money you need:

• without visiting a bank

• without filling out tons of documents

• at any time of the day

• on short notice

How can we avoid falling into a debt spiral? How can we develop financial discipline? The answer is in a thorough understanding of what taking out a loan entails and by simply following rules and advice. To check if you’re taking out a short-term loan for the right reasons, ask yourself the following three questions.

Question 1. Why Am I Accumulating Debt?

All debt (not just loans) can bring trouble if you do not repay them on time. If a person does not pay the electricity bills, the supplier will turn the power off. If money is borrowed from relatives or friends and a person can’t repay the debt on time, good relationships can be ruined. If a person previously took out a short-term loan and is now taking out another new short-term loan to cover that one, there will be a temptation to take out a third payday loan to repay the second... Then they may even lose the ability to take out loans from the companies they borrowed from. Ask yourself: do you really need such problems?

Question 2. Will I Be Ready To Repay On My Loan Repayment Day?

Short-term loans and microloans are granted for a short period of time, and a small percentage of interest accrues daily. Be honest with yourself: will you be able to repay the necessary amounts weekly and monthly? Do you really need all the money you’re requesting and do you really need it right now? Do you want to put yourself in a situation where you might let yourself down and ruin your credit history? Of course not. That’s why you should only take out a loan if you’re ready to pay it back in a timely manner (or if you’re willing to accept the risks of not being able to).

Question 3. How Will a Short-Term Loan Improve My Life?

The answer to this question is not in the things you want to buy or the things you’ll be able to do. It is in the opportunities that the borrowed money will open up for you. Be grateful for those opportunities and don’t hesitate to pat yourself on the back when you repay a loan on time. This is how you can motivate yourself to have financial discipline and avoid trouble in the future.

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A Beautiful Blouse

15 October 2018 608 Views

It had rained all night. Usually, Molly could fall asleep easily to the monotonous sound of raindrops. But this night she couldn’t sleep. She had a job interview the following day. And she was very nervous about it.

This would be her seventh job interview in a month. The previous six had all ended the same way. "We'll call you back," they told her, and they did not call her back. They didn’t say why either.

Molly began to seriously doubt herself. Troubling thoughts entered her mind.

Do I look bad? No, I did everything I read I should do: no make-up, no strange haircut, strict business clothes. Well, maybe I’m not smart enough? Or is there something else wrong with me? Or maybe I don’t know how to present myself? I just answer their boring questions with boring answers.

How can I distinguish myself if they always ask the same questions and they always expect the same answers? “What’s your biggest weakness?” “I’m a perfectionist.” How can I show who I really am if nobody asks me what I think about or what I care about? None of them are interested in the real me. They read their questions like machines, then judge my answers like machines, and then say, "We'll call you back” like machines. They lie. When they say, “We’ll call you back,” they already know they won’t call. Or maybe they don’t know?

At that moment, her thoughts jumped to a quite different subject. The day before, she had seen a simply amazing low-cut blouse in a shop window. Molly hadn’t known that such blouses existed. When Molly saw that blouse, she immediately realized that it was the thing for her. Of course, Molly could live without it, but if she lived with it, it would definitely brighten up her life. Drifting slowly off to sleep, Molly thought about what would happen to the blouse if she didn’t buy it. Who then would buy it? Maybe nobody. It would be taken to some warehouse, and then it would wait silently and in darkness until its eventual fate.

Molly pulled herself out of sleep’s grip and suddenly decided that she would go to the interview in that blouse. One thing stopped her: her lack of money.

She solved that problem very simply. She went to completed the application form, and felt relief, knowing she’d have the money in the morning.

Molly imagined how she would go to the store, pick up her new (new!) blouse, and change into it in the shop.

When Molly finally fell asleep, it was almost morning.

Who knows what will happen tomorrow?

But we hope that Molly will buy the blouse and finally get the job she’s wanted for so long.

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Borrowing Online: Quicker and… Higher?

12 October 2018 590 Views

We live in a fast-paced world and living at such a tempo requires quick reactions and an ability to adapt to changing circumstances. But even if we’re emotionally ready for unexpected situations, we can’t always be financially ready. Sometimes earning money and saving it just doesn’t cut it. So where can we find a little extra when we need it? In the same place we read the news and check e-mails: online.

Quickly Online or Slowly with a Bank?

If you are in immediate need of funds, the best way to remedy the situation is by taking out a rapid loan. Not only is it fast, but it’s easy. There is:

• no need to visit a bank

• no need to fill out a stack of documents

• no need to wait several days

All you need to do is take the following steps:

1) register on the company’s website

2) upload a few documents

3) enter the amount of money you want to borrow

4) spend an hour waiting for the money to be deposited in your account. During that time, you can do anything: work, be with your family, practice a hobby, etc.

Furthermore, online companies are much more flexible than banks regarding your credit history, and taking out short-term loans online can even help improve your credit score. Who knows? Maybe in a few years you’ll want to start your own business and take out a bigger loan. It’s good to be prepared.

More Interest or Less?

Is it true that payday loans come with high interest rates? Well, here’s the truth and a reason to jump for joy: high interest rates for payday loans is nowadays simply a myth. In most cases, the rates are even lower than rates for “real” long-term loans. Also, it’s easy to find an online loan company with the best possible terms. All you need to do is spend a few minutes searching.

What About Trust?

In order to find out if you can trust the online loan service you’ve chosen, you should:

• find links to the company on other sites and on social networks…

• …and read reviews.

It’s easy to skip this step, but it’s not a good idea. Once you’re certain of the lender, apply and wait for the money to come rolling in.

Don’t forget to visit again and click Apply Now!

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