Monday, 24 December 2018 19:08

Destiny / fate (whatever you call it) is capricious and ever changing. It has different effects at different times, but it also has different effects on different people. For some people, it shows up regularly, to give them a fresh dose of hope. Then there are some people who it never takes notice of. These people live calm and quiet lives and enjoy their simple joys. And then there are other people who destiny pays too much attention to.

Sam Brown really wanted to be invisible. But destiny never gave him that opportunity.

He was tall, thin, and with fiery red hair, and so he stood out in any team photo. He had to endure the same jokes about his appearance over and over again, and in the meantime, he patiently waited for his peers to become mature and to quit their stupid jokes. Eventually the jokes about his appearance went away, but they were just replaced by newer jokes.

For example, people found it comical that he always used to sing songs with his last name in the title (like “John Brown’s Body” and “Sweet Georgia Brown”) at talent shows. And “educated” people would ask him, with a smirk, if his uncle, a famous writer, would give them an autograph. Sam was always surprised when it happened. Why did they want his uncle’s autograph? What would they do with it? And why not his aunt’s autograph? She could sign her name just as well as his uncle could.

Although Sam was accustomed to the constant attention, he nevertheless tried to hide from his fate. Therefore, he got a job in a supermarket and worked in the back. He assumed that in the warehouse, he would interact with fewer people and hear fewer dumb jokes.

But even in the warehouse, fate found him.

One day he went to the bank to make a regular payment on a loan and he was surprised to hear that his account had been blocked. When he asked who had blocked it, they told him it was the police.

Sam Brown had never dealt with the police before. Even about speeding. But then again, Sam didn't have a car. Well, there’s a first time for everything. Sam called the police and asked why they’d blocked his account. They told him he was suspected of several crimes and they asked him to come to the police station voluntarily.

He went.

After two hours of talking, it turned out that a mistake had been made and that the suspect was actually a completely different Sam Brown. Our Sam Brown, accustomed to the unexpected twists and turns of destiny, politely asked when his bank account would be unblocked. He was told that the procedure would take two to three days. Sam said that such a delay was unacceptable, because he had to make a loan payment the following day. The police told him that nothing could be done and that he had to just wait.

At that moment, Sam Brown lost it and started shouting. He yelled about his rights, that they couldn’t do this to him, etc., etc. He did a lot of yelling. Then he calmed down. Then they offered him coffee.

Sam was no fan of coffee. So he quickly left and went back to his job. He walked past his boss, past the staff, and over to the back where the unloading ramp was. There he saw his friend Mark, who was carefully looking at a state map.

"What's new?" Sam asked.

"Our state has some pretty cool city names!" Mark answered, still looking at the map.

"Do those cool cities have banks?" Sam asked, thinking about his problem.

"I suppose so. Why? You already have a bank account, don’t you?" Mark asked, looking up at Sam.

“My bank…doesn't love me,” Sam said, and then briefly explained his situation.

"That’s not a problem,” Mark said and shrugged. "Listen. I’ll tell you what you have to do."

Sam listened and even wrote down a web address. Then he went to a computer, typed completed the application form, and got money. The next day, he used that money to make his loan payment.

He also did another thing. A very unexpected thing. He bought a lottery ticket.

His reasoning was thus: "If fate is testing my strength and it hasn’t broken me, well, maybe I can test fate.”

Let's hope that fate / destiny gives Sam a break. Sam sure needs it.

The Seashore

Thursday, 01 November 2018 21:46

Everybody has a dream. The dream may be big or small. The dreamer may be aware or unaware of his dream. But the main thing is that every person has a dream.

Andrew was a modest man, without much ambition, and not very confident. In fact, it’s a bit surprising that one day he mustered up the courage to talk to a young woman called Molly. Even more surprisingly, Molly gave him her number and even agreed to go on a date. And after the first date, she went on a second, and after the second, etc., etc.

Molly was decisive. If she thought that something had to be done, she did it. If she thought that something had to be obtained, she got it. But for some reason, Molly was bold in everything except when it came to Andrew. She would gently hint that Andrew should be a go-getter like her. Then Andrew would gently object and list a number of reasons why he couldn’t do such-and-such until later. Molly would drop the topic and that’s how they discussed things.

One night, they were watching a movie about a tragic, all-consuming love. The plot didn’t interest Andrew, but the setting did; it took place on the coast. When the end credits started rolling, Molly sighed heavily, probably feeling bad for the heroine of the movie. Andrew sighed too, for a different reason.

"Why are YOU sighing?" Molly asked.

“It doesn't matter,” Andrew answered.

“No, it does matter,” said Molly. "Tell me. Why did you sigh? Do you feel sorry for her?"

"Who is ‘her’?”

"The main actress."


"Well, do you think he acted right?"

"Who do you mean by ‘he’?”

"The main actor."

"Oh. No, it doesn't matter. They have their lives. I have mine."

"Then why did you sigh?”

"You really want to know?”

"Of course!"

"I’ve never been to the ocean."


Molly was at a loss for words – a rare situation indeed.

"Yeah. I’ve never walked along the beach."

"But it’s only…it’s not even that far away…” Molly managed to say.

"I know. It’s close. But still," Andrew said.

“Well, we’ll go to the seashore this weekend,” Molly decided.

"But it’ll cost a lot and I don’t have time to raise money for the trip," Andrew began making excuses.

“Well, I’m a big girl,” Molly said. "I can pay for myself.”

"But what about me?" Andrew asked.

“Follow my lead,” Molly said and she showed him what to do.

Andrew did as she commanded. He went to completed the application form, and got the money.

The weekend was great. They had a lot of fun, did lots of swimming, and made a sandcastle.

You should visit the ocean too.

If a relative or close friend asks you to be a guarantor for his bank loan and you feel that you should help, don’t forget to think about your own financial situation…and instead suggest that your friend take out an online loan. Why? The answers to the following two questions will explain.

1. Is It Easy to Become a Guarantor?

YES, it is easy. If you have a friend who stubbornly insists that you become one, it’s more difficult to not become a guarantor. But before you agree, you need to fully understand the consequences:

• you will need to spend time printing out documents, going to the bank, and signing several forms

• you will need to convince a bank representative of the trustworthiness of the borrower (your friend)

• you will need to regularly ask the borrower about his debt, and, in some cases, remind him to pay

• you will need to carry the financial responsibility if the borrower misses the payments, and that is a serious responsibility.

2. Do You Really Need Such a Responsibility?

The answer is NO. Especially when there is the option of choosing online rapid loans. The terms that online companies give for short-term loans (payday loans) are much more flexible than those offered by banks and online companies are ready to accept borrowers with a poor credit history. In general, short-term loans have lots of advantages and are less confusing than bank loans.

In short: there is no need for a potential borrower to go to a bank or for you to become his guarantor. Be an advice-giver instead!

And don’t forget to visit again and click Apply Now!

What If I Can’t Repay On Time?

Tuesday, 23 October 2018 13:21

What will happen if you can’t repay the money you borrowed when it’s due? What will the consequences be? And why is it always better to take a quick loan from an online company instead of a bank? The answers to these questions are below.

A 2-3-Day Delay in Repayment

You might be asking yourself: why would I be late to repay my loan by 2 or 3 days? Even the most responsible people who know how to manage their money and are willing to repay their debts sometimes miss the payment schedule because they make money on commission or because of circumstances related to family, friends, health, or travelling. If you’ve missed the payment date by only 2 or 3 days, talk to the company and explain the problem.

A One-Week to One-Month Delay

If you haven’t repaid the loan, and it’s been between a week and a month of the payment date, and you haven’t told the company why, you can expect phone calls. If you borrowed from a bank, your guarantor will also get calls as well as questions as to why the payment is overdue.

Don’t avoid such calls; in fact, it’s best to call the company call first. Talking with the representatives of your bank or online company will help you avoid new problems as a result of the delay in repayment. After your first conversation with a loan company you can expect a fee and, sometimes, additional interest on the money you owe. But it’s important to note that online loan companies raise their interest rates modestly even when there’s a delay in repayment.

60-Day Delay

If you are late by two months or more, the best advice is to be honest. Be ready to cooperate with the representatives of the loan company and explain the reasons for the delay. Don’t forget to mention the date when will you be able to repay the loan or part of it. Make sure to stick to the new payment schedule. And remember the most important thing: the conditions are always more flexible with online companies than with banks, and there is always an opportunity to take out a new loan to cover the previous one. Just cooperate and be ready to negotiate.

And don’t forget to visit again and click Apply Now!

The Refrigerator

Wednesday, 17 October 2018 12:09

Marcy and Andy had been married a year and a half.

Psychologists say that the first major crisis in a relationship usually arrives within the first year of marriage. This is due to the fact that young spouses are just getting used to one another and to the idea that they’ll now have to see each other every day. It’s a situation nobody can hide from. Of course, divorce is an option, but that would be like using TNT to get rid of termites.

In addition, psychologists say that very simple questions can become big problems in the first year. What color should the curtains be? Who should use the shower first? And most importantly, who should call the plumber?

Marcy and Andy safely passed the first year checkpoint. Maybe it’s because they didn’t know what psychologists say.

According to psychologists, their second year of marriage should have started a quiet period that would last until the third year, when another crisis would arise. Not anticipating any crisis, the young couple bought a small but nice house in a newly built area.

For the first few days their delight knew no bounds. But they soon began to notice all the bad things about their new home. Marcy was annoyed that their neighbor mowed his lawn every Saturday morning at 7:00 A.M. and she also didn’t like that the bed was too hard. Andy disliked the TV-and-couch arrangement and found the mortgage and the cost of cable suffocating. But in general, the two were happy together and pleased with their new home.

One Sunday Marcy baked some chocolate chip cookies and suggested that they introduce themselves to their neighbor. Andy had not planned on doing anything that day, but he didn’t have a good reason to say no, so he agreed to it.

Their neighbor was Robert. After Marcy and Andy rang the doorbell and said hello, Robert invited them inside and gave them an impromptu tour of his abode. Andy thought the tour took too long.

When they got home, 45 minutes later, Marcy asked Andy, "Did you see his refrigerator?"

"Yeah," Andy answered, although he hadn’t.

"We should get one like that," Marcy said confidently. "And I know just where to put it, right here," and Marcy showed him where she thought it would go.

Andy did not have any opinion on this subject whatsoever, so he nodded.

"Let's get it tomorrow," Marcy said.

"Baby," Andy began. "You know that we’re stretching it as it is..."

"Please? Pleeeeease?!" Marcy whined and gave Andy a kiss.

Andy could not resist such appeals to logic.

He said, “Okay,” and then asked, partly to himself, "Where did that Robert guy get the money for such a nice lawnmower?"

"Ask him,” Marcy said.

And Andy asked him. And a little while later, he went to completed the application form, and got money.

The next day the refrigerator stood in their kitchen.

Mutual understanding, domestic bliss, a new refrigerator: does it get any better?

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.

Visit again and click Apply Now!

A Beautiful Blouse

Monday, 15 October 2018 23:15

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.

Borrowing Online: Quicker and… Higher?

Friday, 12 October 2018 20:13

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!

Do you often think of starting your own business or fulfilling your old dream? What makes the people who succeeded in this, so special? The answer is in financial discipline and proper planning. The planning can start right now, when you take an ordinary payday loan from an online loan company.

Negative numbers

Negative credit history requires more time to be redeemed. People having it are forced to rely only on themselves, because even relatives and friends do not always trust them as borrowers. What could be said about banks?

Solution: is also uncomplicated: having any credit history, you can always find an online loan company to achieve a rapid short term loan. Advantages of microcredits and rapid loans are:

• they will be easy to repay even with the interest;

• they will help you to believe in your financial opportunities again;

• they will significantly improve your credit history, being documented and shown to the bank.

Ground Zero

To start your business or afford a round-the-world trip you need to create a proper financial base. Here are several variants:

• you can save all your earnings, sell your belongings and property, deny yourself and your family everything, pursuing your aim, which does not need any further “positive” description;

• you can conveniently borrow from your friends and relatives without adding interest to the money taken, but do not forget about an obligation of sharing the details and listening to the opinions about your decisions, which could have remained private;

• you can visit the bank and ask for a substantial long term loan… and that’s where the story begins.

In the absence of credit history, you bank can refuse to grant the necessary loan. The financial system simply cannot know what kind of a loaner you are. As a result, you would need to:

• mortgage your family property of your favourite car,

• ask someone to become your guarantor,

• expect a higher interest rate or no loan at all.

Solution: having a history of successfully and timely repaid fast loans, you can always expect for better options. And this is one more positive argument in the dilemma of pros and cons of payday loan taking.

Even more positive…

Having a positive credit history and occasionally taking payday loans, you achieve a 100 per cent possibility of being approved for a big loan to spend on your dream or long considered business.

Thus, your convenient and timely repaid short term loans transform into small confident steps to fulfilling your life. Isn’t this worth it?

Also, do not forget to visit again and click Apply Now!

8 advises before taking out a loan.

Saturday, 18 August 2018 01:29

Consider some advice before taking out a loan, especially a payday financing plan.

#1 Build a plan. Consider other financial instruments. Select the one which meets your expectations. Plan a schedule for paying back the loan.

#2 Compare the interest rate to the benefits you’re planning to get from the short-term financing. It should be obvious for you that the short-term loan will change your financial situation for better, not worse.

#3 Avoid downward debt cycle at all costs. For instance, never apply for a payday loan in order to pay back a previous loan.

#4 Check the laws of the State you’re living in. Some financial instruments are prohibited by law in certain states.

#5 Short-term lenders don’t check applicants’ Credit Rating. Make sure to take that into account if you’re constantly getting rejected from long-term loans.

#6 Long-term loans require more time and documentation for the application but have a lower interest rate. Short-term loans are rapid and easy to get the approval and have higher risks, therefore, a higher interest rate.

#7 Be responsible. Pay in time. Loans don’t like overdue payments. Additional charges and penalties will hit hard. Lenders are doing their business and really appreciate in-time payments. So, next time you’ll apply for the loan – your reliability will be taken into account, so you will have a chance in getting a discount or a better rate.

#8 Keep in mind the golden rule: The ideal financial assistance should be closed in a positive financial balance. For instance, it’s better to wait for a discount and apply for a short-term loan, so by the end of the day you’ll save more.

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