Do you still think online loan companies are not as trustworthy as banks?

Are you afraid of online fraud or of getting into a credit trap?

It’s good to be cautious. But money can lead to money, so if you regularly take out rapid loans, you can open up more opportunities (read about them here "How can short term loans improve your credit history?"). To take advantage of these opportunities, it’s necessary to trust the modern financial system. So how can we correct any misunderstandings that are out there about online loan companies? With the help of the facts below!

Can I Trust Online Loan Companies?

The modern financial system has become just like any other business that satisfies customers with convenient services. The best example of the new paradigm is online loan companies, which quickly supply money to their customers when it’s needed. Online loan companies don’t give large sums and they do have high interest rates, but they possess a lot of advantages, such as:

• Operating online 24/7

• Giving money in an hour

• Improving your credit history

• and many other advantages

Of course, there are untrustworthy companies out there that take your personal information, raise the interest rate just before your pay day, and demand early repayment. But such cases are rare nowadays and you can always rely on the reputation of the well-known and popular companies that offer payday loans online.

What’s The Difference?

Do you still that banks know what they’re doing and that online loan companies are just the illegitimate “daughters” of banks? Well, if you had thought that a few years ago, you might have been right. In the past, there were cases of financial fraud due to flaws in Internet security systems. But nowadays, online loan companies are financed by businesses and have become safer and safer due to the high-quality work of their I.T. specialists.

Why Is The Interest So High?

It’s true that interest rates on payday loans are higher. And it’s also true that if you don’t repay for a long period time, there is an unfortunate chance you might have to pay more than 700 percent interest. But the truth is that such rates only arrive after a long period of delay in repayment, usually 6 to 12 months. So if you have a good reason to take out a rapid loan and the desire to pay the money back on time, you definitely won’t get into this terrible interest “trap.” The scary fact of its existence is motivation enough for reliable borrowers, and unreliable borrowers too.

In short: you can and should have faith in modern online financial services. So go out there and don’t let opportunities pass you by!

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

The Dinner Pt. 2

Saturday, 17 November 2018 20:08

"Imagine that. He invited me to dinner!"

"Really? Did he say what restaurant?"

All women know how this conversation will play out. First, the smallest details of the invitation will be discussed and then it will be the events that preceded the invitation. If you’re a man and you aren’t familiar with such conversations, well, maybe it’s because you don’t need to be.

The young woman sharing the news was Megan. The young woman listening attentively was Molly.

These kinds of conversations are completely different from things like business negotiations where both parties try to stick to the same topic. Not only did these two friends want to talk about everything, they wanted to do so all at once.

"Is he the guy you told me about?"

"Yeah. Martin."

"Megan and Martin. I like it. What are you going to wear?"

"I don't know yet. Listen, I just saw the most beautiful purse!"

Some time was spent discussing the purse.

"And did you hear about the Prescotts?"

You probably don’t know who the Presscotts are, but it’s not important. Some time was spent discussing them.

"Do you think he’s thinking about getting serious?"

The “He” refers to Martin.

“I don’t know. He’s cute and caring and all, but sometimes he’ll disappear for a few days and not even send me a text.”

"Yeah, they do that."

The "They" refers to "all men."

"Well, does he love you?"

"If he does, he hasn’t told me."

“Yeah, it’s difficult for them."

The “Them” refers to the “They.”

After a while, the friends returned to the start of the conversation. But of course they didn’t focus on the dinner itself, but rather on what Megan would wear.

They discussed every little thing. It was agreed that the three days left before the dinner would be enough for a haircut and a manicure. Molly said she’d lend Megan her good shoes, the same ones Megan had noticed a long time ago, but had never had a good enough reason to borrow. Then rings, earrings, and bracelets were discussed. They had everything they needed. Everything except the most important thing: the dress.

"You can borrow one of mine," suggested Molly.

“No, it’s a dinner. They won’t work,” Megan said, firmly, since she knew Molly’s wardrobe by heart.

"What about the new red one? With the bare shoulders? Do you remember it?"

"No, I don't."

"Well, come over and take a look," Molly said.

"But what if, sometime in the future, you, me, and Martin are at a café or something and you forget that you lent me that dress and so you wear it? He’ll recognize it and then he’ll realize that I went on a date in somebody else's dress. Like Cinderella!"

"Yeah, it’s a problem. I guess you have to buy a new dress," Molly said.

"But the dinner is in three days. Where am I going to get the money in time?"

"Well, that’s not a problem," Molly said. "Get your butt over here and I'll show you what to do.

Megan got her butt over to Molly’s apartment and Molly showed her what to do. Then Megan went to completed the application form, and got the money. The friends went shopping and Megan bought a beautiful new dress and lots of other things.

On Saturday morning, Molly gave Megan a call.

"Hi," Megan answered, in a whisper.

"It’s Molly. How was ‘The Dinner?’"

Then Molly heard a cell phone ring on the other end of the line and a sleepy male voice say, “Hello?"

"I'll call you back later," Molly said and hung up.

She smiled. The dinner had been a success.

The Dinner Pt. 1

Thursday, 15 November 2018 16:39

Who knows how many life-altering conversations have taken place in the break room? At meetings, people talk only about work, but in the break room, they talk about life.

Andy was the first person that day to visit the break room. What Andy wanted was to warm up a little, have a cup of coffee, and maybe eat a cookie if Janet hadn’t already eaten them all. But soon after he entered the room, Martin showed up. And he wasn’t there for coffee; he was there for Andy.

Martin and Andy worked in different departments, but their paths often crossed in the cramped corridors and they had a warm, collegial friendship. Andy was a couple of years older than Martin and slightly higher than Martin on the hierarchical ladder, but that wasn’t the reason that Martin looked up to him and listened when he talked. It was because Andy was married, and Martin hadn’t yet achieved that milestone.

"Hello there!" Martin said to Andy's back.

"Hi," Andy said, turning around. "Are you cookie-hunting too?"

"No, not really...I mean, what I’m hunting isn’t a cookie..." Martin hesitated, not knowing how to start this conversation. Then he suddenly switched gears and said, emphatically, "Actually, I was looking for you."

"Oh yeah?" Andy was surprised. "I thought they made everything clear at the meeting."

"Oh, I'm not talking about work. I have a personal question."

"I’m feeling great. My love life is better than great. What other personal questions could you be too embarrassed to ask?"

"Well, there’s this girl..."

“My bad. I can tell this is a serious matter,” Andy sat down at the table and waved toward the other chair. "Tell me what the problem is, my young apprentice."

"There’s this girl...we’ve been dating for several months, and I want to take it to the next level. Do you get what I’m saying? I want to show her that I’m serious about our relationship.”

"Well, go on. What’s the problem?"

"I don’t know how to go about it."

"Invite her to a nice restaurant. Then, near the end, after a couple of glasses of wine, tell her how you feel."

"But I don't know what to say," Martin said and threw up his hands. "You’re good with words."

“You're focusing on the wrong thing,” Andy said, stood up decisively, and looked at his watch. "Come on, it's lunch. We’ve got time."

"Time for what?"

"For shopping."

"Shopping for what?"

"For the usual. We’ll get you a suit, a shirt…definitely a tie."

"Why? I’ve already got those things!" Martin was close to panicking.

"Look, you invite this girl to a restaurant." Andy sat down again at the table and looked into Martin's eyes to be more convincing. "And what’s she going to do? She’s going to get a new haircut, put on her best make-up, wear her best dress, her best shoes, her best jewelry, et cetera. And she’s going to mentally prepare for a few days. And then, when she gets there, what’s she going to see? You in a hoodie and jeans."

"But I have a suit," Martin protested.

"It’s not a date-at-a-restaurant suit. It’s an office suit. Don’t you want to make your girlfriend happy?"

"Of course."

"Then get dressed. Show her what feats you’re ready to accomplish for her."

The word "feats" struck Martin on the spot.

"I would do anything, any feats, for her," he said, and then he stood up and followed Andy.

Two men on mission can go shopping pretty quickly and these two were no different. Martin trusted Andy completely. The only resistance he put up was the suggestion he buy pants and socks, a suggestion he deemed unnecessary.

"Well, a start has been made," said Andy contentedly as they returned to the office. "Now we need to book a table at the restaurant."

“I don’t know any good restaurants,” Martin said.

Andy told him which restaurant it would be and it was one that Martin knew.

"But that’s an expensive place!" Martin exclaimed, dropping the bag of clothes to the floor.

"Martin,” Andy said, “There are restaurants and then there are RESTAURANTS.”

Andy scrolled on his phone, looking up the phone number for the restaurant, "Is Friday good?"

"I don't know. I haven’t asked her."

"Then call and ask. No, wait," Andy stopped himself. “You don’t need to ask. Just say: ‘Let’s have dinner on Friday. I’ll pick you up at your work.' Have you got that all down?”


"Do it!”


A storm seemed to be raging in his mind and he struggled with his remaining doubts. "So this means I’m going to have to pay for dinner?"

"That’s usually how it works."

"But I just spent all my money on these clothes you said I needed. And payday is next week."

“No problem,” Andy said and he showed Martin what to do.

Martin went to completed the application form, and got the money.

On Saturday morning, Andy ran on the treadmill for a half an hour, poured himself a protein shake, and then called Martin. The phone rang several times and then he heard Martin’s sleepy voice: "Hello?"

"Hey, it’s Andy. So how did everything go? Good, bad, horrible?"

"Uh, right now’s not a good time…I’ll call you back,” Martin started to say.

"I see," Andy said. "Another happy landing.”

Choosing an Online Loan Company

Tuesday, 13 November 2018 00:40

Deciding to take out an online short-term loan is a good way to get money at short notice and without filling out a stack of documents. And it’s even better when a friend suggests an online loan company that they respect. But what if you don’t want to ask your friends for suggestions or if you don’t trust the ads you see? The solution is this: you need to know how to judge if an online loan company is safe and popular. The main criteria for judging are financial, social, and technical.

Financial Criteria

Applying for a rapid loan is easy and quick , but you probably also want to receive the money quickly. And sometimes you need a more considerable sum of money than the company usually offers, so you want to know the maximum amount you can borrow. In any case, you want to find a company that offers low interest rates.

These are the main financial characteristics by which you should compare online loan companies:

• speed of receiving money

• speed of processing the application

• maximum loan amount

• loan term

• conditions for late repayment

• possibility of early repayment

• interest rate

Social Criteria

This is about trust and comfort. The characteristics under scrutiny here are:

• availability and customer service at the contact center

• country/state/city the company is located in

• possibility of calling a courier

• real user reviews

Don’t you want all your questions answered? Don’t you want the process to be easy?

Technical Criteria

Security and convenience are important. Especially if you worry about the site giving you an error when you’re filling out an application, uploading documents, or receiving money. So what criteria do you need here?

• accessibility and speed of access to the site

• visibility in search engines

• ease of use on a mobile browser or the existence of an app

• client authorization method

• usefulness and relevance of the content

Choose wisely and get the most out of your online loan company.

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


Thursday, 08 November 2018 13:16

"Hey, how have you been?"

"Good. How about you?"

When old friends meet after a long time apart, it makes for uninteresting dialogue. Such encounters usually include pattings on the shoulder, references to old acquaintances, and plenty of raised eyebrows. We will spare you the details.

Back in college, Frank and Ben were called "Frank and Bank." They were also called "Tweedledee and Tweedleedum."

Being friends, they naturally hung out with each other, were always ready to help each other, and if they could have admitted it to themselves, cared about each other. But at the same time they had a kind of sibling rivalry. Each wanted to be better, stronger, and smarter than the other. Frank was first in most things, but occasionally Ben was.

So it was natural that Frank got married first. Not much later, his wife gave birth to a daughter, and his wife and his daughter would often spend the weekend together doing mother-daughter stuff. Ben, however, was a still a bachelor and his weekends were free.

"Do you remember how we used to go fishing?" asked Frank.

"Of course, I remember," answered Ben. "And I also remember that I always caught more fish than you."

"It’s time for a rematch then," Frank said.

Frank was only half-serious, but Ben didn’t notice.

"What do you mean?" Ben asked.

"Well, how about we go fishing this weekend?" Frank suggested.

"But, you see..." Ben began, but Frank interrupted him.

"You said you were free."

“I am,” said Ben.

"So let’s go fishing. Like in the good old days."

Ben couldn’t find an adequate answer.

"So let’s do it,” Frank said. “Do you have a fishing rod?"

“Of course, I do,” Ben answered, but then he immediately remembered that he didn’t.

"Great. And a good chair?"

"Of course."

Ben answered all of Frank's questions in the affirmative, although he didn’t have half the things Frank asked him about. He’d wanted to buy fishing equipment for a long time, but he’d never gotten around to it.

"So it’s agreed then? We’re going to go fishing?" Frank asked.

"Of course. Yeah. Of course, we’re going," said Ben, absentmindedly.

“Oh, by the way,” Frank said. "Do you know what short-term loans are? Somebody told me about them recently. They’re pretty useful. There’s a good company I could recommend.”

“What’s the company?” Ben asked, realizing that fishing without a fishing rod was a difficult endeavor and understanding that a short term loan would be helpful in such a situation.

Frank told him the name of the company and Ben made a mental note to himself. When he got home, he went to completed the application form, and got the money to buy the fishing equipment.

Unfortunately, it rained that Saturday and the rain continued until Monday. Thus, the old friends did not go fishing. But Ben still enjoyed looking at his fishing rod and imagining how, in the not-too-distant future, he would catch more fish than Frank.

Payday loans are an ordinary part of life for many Americans in many states. Due to their popularity they have become a kind of fast food for some people. Meanwhile, other people, who have never taken out short-term online loans but have seen their relatives and friends do so, may wonder:

• Why don’t people save money instead of taking out loans?

• Isn’t it easier to wait for pay day?

• Why do they trust online companies instead of banks?

• Isn’t it easier to deal with a bank?

Let’s delve into the reasons people choose to borrow online so that we can persuade any unbelievers out there.

Payday Loan vs. Saving

Have you ever randomly decided to spend money on some party, road trip, or concert tickets? Sometimes you find a great deal for something you’ve been wanting to buy and you finally have the opportunity to get it - but the catch is you have to buy it while the deal lasts. Ask yourself: are there any services or goods you’ve been wanting for a long time and which you know will bring you joy, inspiration, or benefit in the future? Do you really want to keep putting aside money day after day when you have the chance to buy it – right now – and you can pay back the money in a week or two? Don’t let opportunities pass you by.

By taking out rapid loans, you can actually save money in the long term.

Payday Loan vs. Waiting for Pay Day

In addition to the fun reasons to take out online quick loans, there are other situations that are not fun and definitely cannot be postponed. These usually involve:

• Health - when you need to stay at home and rest and you know you won’t be paid for the days you miss (and it’s awkward to ask friends for money)

• Accidents - when you need to immediately visit your parents or your friends and they live far away

• Periodic wastefulness - when you spend all your salary on something and need to hold out until pay day without borrowing from friends or family

That’s why it is not always better to wait. Modern life can be unpredictable.

Online Loan Companies vs. Banks

Most of the popular modern online loan companies are as trustworthy as banks. The big difference is that with online loan companies, you don’t have to:

• Fill out paperwork

• Endure boring conversations with bank representatives

…or wait.

It takes an hour at most to get the money you need - and sometimes it takes even less.

Even if you already have a credit card, it usually takes time to increase the credit limit. And what if you need money on a Sunday or a holiday or in the middle of the night?

Online companies lend money 24/7, so you can always be sure the rapid loan will really be rapid.

Are you still skeptical? If you aren’t, then don’t forget to visit again and click Apply Now!

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.

Trithemius Cipher

Wednesday, 24 October 2018 14:48

It all started when Chris was watching a sci-fi TV show. In it, a large corporation created a machine that could monitor people’s phone conversations, track them with security cameras, and with data lifted from social networks, predict their behavior. Chris knew that the show was science fiction and not science fact, and that if some corporation ever did create a machine like that, it wouldn’t be anytime soon, but for some reason he started to worry.

A couple of days later, he stumbled upon a strange website. The creator of the website wrote that there was a secret organization which controlled the development of civilization through its hidden representatives in all the governments of the world. According to this person, the organization was very technologically advanced and kept many inventions back from the world, because it did not consider mankind yet ready for them. However, it did allow certain harmful technologies to become widespread, since they brought the organization good profits.

Chris started to look for more information on this topic. After visiting many websites, he realized that there wasn’t just one secret organization; there were many of them. How they all got along together with one another and kept their disagreements private, Chris didn't know. But he did know that these powerful organizations and the governments they controlled had a keen interest in Chris, his phone calls, and his emails.

Chris wondered how all the surveillance worked in practice. Did strangers in strange offices read his emails, one at a time, checking to make sure that he hadn’t discovered their evil secret? Chris didn’t like the idea that other people were reading his emails. So he started to look for a remedy.

It turned out that there were a lot of people out there who felt like he did. And there were already easy solutions, such as programs for encrypting voice or messages. All the programs worked the same way. One part of the program, the encryption program, had to be installed on the transmitting side, and the second part, the decryption program, had to be installed on the receiving side. So if Chris wanted to call his girlfriend, he first had to activate the encryption program on his phone and his girlfriend had to activate the decryption program on hers. Once this was done, they could both say, “How’s your father?" without fear of eavesdroppers.

There were a lot of different ciphers. Chris was flabbergasted by the number of choices. He did not understand how they worked and he didn’t understand the differences between them. But he finally made a decision. He chose Trithemius Cipher. Why did he choose it? He just liked the name. And it wasn’t as expensive as the others.

In its basic configuration, there was one program for encryption and three for decryption. Chris decided to put one encryption program on his computer, one for decryption on his girlfriend’s phone, and the remaining two on his friends’ phones. One of these friends was Fred. Chris was low on funds at the time, but Fred told him how to get a short-term loan. On Fred’s advice, Chris went to completed the application form, and got the money. Two days later he became the lucky owner of Trithemius Cipher.

We don’t know if the program actually does any encrypting or decrypting, but ever since Chris bought it, he has stopped visiting strange websites and that is something we can all be happy about.

Tool Kit

Saturday, 20 October 2018 02:32

Relationship problems usually don’t spring up out of nowhere. At first, one spouse is unhappy about something. If the issue doesn’t go away, discontent grows. Bad weather, job issues, traffic, and other things that are usually brushed off as a daily annoyance add to the discontent. Then the discontent takes on a life of its own and starts to absorb all these things as well as others. The discontent grows so big that dinner loses its taste and the spouse's voice becomes grating. Old grievances are brought up and eventually the bubble must burst.

And when it bursts, it bursts loudly. The other spouse, who had no idea about the discontent, becomes infected by it as well. The two begin to discuss their issues, but the discussing leads to arguing and then to shouting and sometimes dishes are broken.

Andy found himself at the start of such a trajectory. Of course, he was happy to see Marcy enjoying their new refrigerator, but during a tour of their new neighbor Robert’s house, he had noticed a tool kit in Robert's garage.

And what a tool kit it was. It had screwdrivers of different sizes, Phillips, slot, even Torx. There was a wrench too. And some pliers. And every tool had a color that matched the spot where it should go. It was all so intelligently organized and convenient.

Andy wanted one just like it.

He was well aware of their tense financial situation, so he didn’t tell Marcy. But Marcy’s dream had been fulfilled (with her refrigerator) and Andy’s dream hadn’t, and it started to poison his everyday life. It became so bad that his favorite TV shows started to irritate him.

Luckily, Marcy came to his rescue.

"Andy, what’s the matter?” she asked.

"Ah, nothing. Everything’s okay,” he tried to lie.

"Andy, something’s bothering you," she said and gave him a kiss.

And couldn’t hide the truth any longer and he told Marcy about the tool kit.

"Well, then buy it," Marcy said.

"But I don’t even know how much it costs..." Andy started.

"Well, then find out," Marcy said, not seeing what the problem was.

"But..." Andy started to say, but Marcy interrupted him.

"We got a refrigerator for me, so let's get a tool kit for you.”

Andy didn’t know what to say. Instead of saying anything, he went online, found the same tool kit, then went to completed the application form, and got the money. Two days later a tool kit had found a new home in his garage.

The lesson is simple: sometimes all you need to fix a relationship is a tool kit.

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?

Page 1 of 2

Want to Explore More?