Scammers Online, Or How to Buy and Borrow Safely

Wednesday, 26 December 2018 22:58

Despite complex and highly reliable security systems, financial fraud still does exist. It may be unpleasant to lose your wallet in the street or have your smartphone stolen, but it’s even more depressing to lose money online. Here are the main dangers that await the unprepared.

Fake Online Shops

Sometimes, scammers put a lot of money into promoting fake online shops. Of course, you won’t find these ads on TV or on billboards, but they may appear on websites you visit, and, less often, on social networks. In these shops, you may see pictures and descriptions of things you’re interested in buying: clothing, food, household appliances, etc. The prices there may be tempting as well. But when a customer orders something from one of these sites and pays in advance, he gets nothing in return. These kinds of website don’t last long, and even if the owners are caught, they often just create new fake online shops.

Phishing

Imagine that you’ve decided to take out a payday loan from a respected and long-existing online company. You find the website, everything looks normal and legitimate, but…something’s wrong. You choose the amount of money, type in all the necessary information, and press “Send,” but you don’t get any confirmation or money within the hour or even in three days. What this means is that you accidentally went to an exact copy of the website you wanted to go to and this fake website was created by fraudsters to steal your information.

Sometimes, victims even let the scammers know their credit card’s PIN number! When that happens, it’s a serious problem. It means that online thieves have full access to your finances. So if this happens to you, immediately:

• Contact your bank

• Block your credit card

• Call the police as soon as possible

If the police track the IP address of the scammers, they may catch them.

How Can We Buy and Borrow Safely?

1. Use only known and reliable online shops and loan companies.

2. Never enter your PIN code. Anywhere.

3. Be attentive when you use a website for the first time.

4. Read reviews of the companies whose services you use.

And don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Who Can Take Out a Payday Loan?

Monday, 10 December 2018 21:53

Are you interested in getting a loan? Most likely, the first thing you’ll think of doing is going to your bank’s website in order to learn more about their loan programs. And it’s quite possible that you’ll see large loan amounts that can take several days to be processed. But what if you need a small amount of money to cover current expenses, pay bills, repair equipment, or spend on an unexpected little trip? Can you take out a loan quickly? Do you fit the criteria?

Yes, you do fit the criteria…if you borrow from an online loan company. Speed is their second name. You can get a loan 24/7, weekdays, weekends, holidays, whenever (read more here: Choosing an Online Loan Company). Let’s see what the criteria are:

• You are 18 or over

• You have a driver’s license or passport

• You have a debit card or credit card from an American bank

• You have a phone number and an e-mail address

Maybe it sounds too easy. Well, here are the answers to some frequently asked questions,

Do I Have To Be Employed?

No, it’s not necessary. Whether you’re temporary unemployed or unofficially employed, on maternity leave or retired, you still have an opportunity to get a fast loan. While it’s true that it’s best to have some kind of income (even if it’s low) to prove you can pay back the debt and the interest, online loan companies have very flexible conditions. You always have the chance to reach an agreement quickly.

They Won’t Like My Credit History

Maybe they won’t. But you will usually be able to borrow at least the minimum amount the company offers, since online loan companies want new clients and are willing to provide the necessary amount for a short period of time. And if you take out a loan and pay it back on time, it will improve your credit score.

In short: literally everyone can take out a payday loan. And that’s a great thing.

Don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Do you still think that taking out a loan is difficult and inconvenient or that it involves waiting in lines and filling out documents? Well, everything’s changed! There are a lot of reliable online loan companies that have shortened the process and they’re ready to help you any time of day, any day of the week. You won’t be able to receive huge amounts of money immediately, but you’ll be able to cover your current expenses and needs without having to wait for a paycheck or help from relatives.

The advantages of online loan companies:

• Fast Process (less than an hour)

• Availability for the unemployed or clients with negative credit history (companies approve more than 95 percent of applications)

• Flexible Conditions (even if your repayment is overdue, it’s best to cooperate with the company instead of waiting for debt collectors)

• Online Contract (you can get a loan without walking out the front door)

So What Do You Need to Apply for The Loan?

1. Visit the site from your computer, tablet, or smartphone. Many companies have a loan calculator on their website that will help you calculate what the loan repayment will be, based on the amount and duration of the loan.

2. Fill in the form with your personal information, the loan amount, and the terms of loan repayment (the duration of the repayment schedule, whether it’s gradual or full repayment).

3. Wait for approval and instantly get the money on your debit card. Use your money.

4. Repay according to the schedule and try not to be late (read about overdue repayments here).

It’s easy, isn’t it?

Don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Guitar Man

Monday, 03 December 2018 18:21

Everybody has at least one talent and some people have more than one. Sometimes the talent is hidden and sometimes it’s obvious. One person is good with numbers, another with drawing, and another with housekeeping. Unfortunately, not everybody knows what their talent is.

Jimmy had a talent for writing music and playing the guitar. But he was young and not yet aware of his talent. He just wanted to play, so he played, and, luckily, he was good at it. There was one small problem: he didn’t have a good guitar. He did have a guitar, but after he’d played a really high-end guitar at a music store, he couldn’t even look at his cheap, hand-me-down guitar anymore, let alone play it. After trying the music store guitar, his guitar seemed different: the strings felt too hard, and the guitar (V-shaped, as if it was from the 80’s) suddenly appeared ridiculous. Jimmy couldn’t afford to buy a quality instrument, but he still really wanted to play.

So Jimmy started to regularly visit the music store. He would pretend to be sampling the guitars, but he was actually just playing his music and never planning on a purchase. The salesman, by the name of Dirk, quickly understood what Jimmy was doing, but he let him do it anyway. In fact, if buyers entered the store, Dirk recommended Jimmy as someone who could demonstrate the merits of each particular instrument. And Jimmy had a good time doing so.

Another regular visitor of the music store was Bruce. Bruce was skeptical of the music that Jimmy composed and played. He believed that all the good stuff had been written and played in the 60’s and 70’s, and that everything since then was just a footnote. Jimmy didn’t really argue his case; he just wanted his music to be heard.

One day Bruce walked into the store and saw that Jimmy was sad about something. Jimmy was playing some slow, mournful tune with open chords.

"What’s wrong with him?" Bruce asked Dirk.

“I don’t know. He’s been like that for two hours,” Dirk said.

"Hey, buddy!" Bruce said, turning to Jimmy. "We sell instruments here, not coffins. What are you trying to do, scare everybody away?”

"Oh, sorry. I just thought…" Jimmy said, his voice trailing off.

“What’s going on?” Bruce asked.

"Well, there’s a guitar competition tomorrow. I’ve been practicing, I’m already for it. I’d like to play my stuff, but…”

"But what?" Bruce. asked

“I don’t have a good guitar,” Jimmy replied sadly.

"What’s the problem?" Bruce exclaimed and turned to Dirk. "Let the kid have a guitar for a day!"

"Do you want to get me fired?" Dirk asked. "If you want to help him so bad, you buy him a guitar."

“I don’t know him as well as you do,” Bruce said weakly.

“There’s a cash prize if you’re in the top three,” Jimmy said. "If I win, I can pay you back."

"Well, do you believe in yourself?" Bruce asked. "Are you ready to fight for it?"

"Of course!" Jimmy shouted.

"Good. That’s the attitude you need to win," Bruce said. "Come over here. I'll show you where you can get the money."

Jimmy walked over and Bruce showed him. Jimmy went to https://ezrapidloan.com/ completed the application form, and got the money. Dirk ceremonially handed Jimmy the chosen guitar.

Bruce and Dirk went to the guitar competition and cheered Jimmy on. And it was not for nothing: Jimmy got first.

Of course, Bruce thought that all the music in the competition was second-rate and that none of the competitors had done anything really new. Dirk, meanwhile, praised himself for being careful with the store’s merchandise and for virtuously holding onto Jimmy’s instrument until the act of payment. As for Jimmy, he was just happy that he had two new friends.

Many people think that financial comfort can only be attained through hard work and saving money. That may be true, but imagine how much time and effort that would take! And even if you had the energy and patience to pull it off, would you still be able to have fun, travel, try new job opportunities, develop new hobbies, or start a family? That’s where quick loans come in.

1. Take Out A Payday Loan and Continue Saving Money

How exactly? Well, don’t simply break your piggybank because you need a little extra money. Save the amount you usually save, take out a payday loan from a reliable online loan company, and then pay back the loan with your next paycheck. This way you can continue saving money without losing out on opportunities or joys!

2. Develop New Sources of Income

Find opportunities to invest in. Maybe you’re not sure if the investment is worth it, but you really want to try and they’re not asking that much anyway. Well, take out a fast loan and then pay the loan back with the money you might get from your investment!

3. Find Ways to Earn More

Passive income is not the only way to get a little more. Sign up for interesting online courses and tutorials, learn a new language, develop your professional skills, and pay for it all with money you borrow from an online loan company. As an added benefit, rapid loans can improve your credit history (read here How can short term loans improve your credit history?). And who knows how it will all pay off in the future!

4. Additional Financial Comfort

Financial comfort also means being able to get the money you need anywhere and at anytime, whether you’re on a cruise down the Nile or if it’s a federal holiday. And you can do all this and more when you take out quick loans from trustworthy online companies.

Everything is possible! Start feeling financially comfortable ASAP.

And don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

Space Opera

Monday, 26 November 2018 15:47

"The starship shuddered at the unexpected impact of a meteorite. The Pilot wiped the sweat from his forehead. Just then, the emergency sirens began to wail.”

Jake paused, and then leaned back in his chair and began to think. Having never been on a spaceship, he had no idea what would happen onboard one after a direct impact from a meteorite. He didn’t know what to write. His hands hurt a little. He had been writing for several hours straight. Well, a break might be good, he thought. So he got up and went over to the kitchen.

Long, long ago, Jake had decided to become a writer. And not just a writer, but a successful and famous writer who composed mainly in the field of science fiction. By the time he had begun work on this future masterpiece, he had already written several short stories that he had proudly showed to friends and family. He’d heard “It's nice” a few times and he’d decided to interpret that ambiguous statement positively. However, one friend had been more direct and asked him, "What’s the point?"

Jake wrote that friend off as a philistine.

He ate pretzels out of a bag and tried to imagine what would happen onboard a spaceship after such an accident. But when the bag was empty, he still didn’t know what to do, so he decided to ask for help.

"Who can help?" – that was the question. He called some friends who had said his stories were “nice,” but they all turned out to be “very busy” and unable at present to discuss hypothetical astrophysical problems. However, there was one person left: Bruce, the same Bruce who had asked him: "What’s the point?"

Jake dialed Bruce’s number and when Bruce answered the phone, Jake said, “Bruce, you’re my only hope.”

Bruce listened while Jake explained the problem, and after Jake was done, Bruce paused and then asked: "Is this meteorite part important to the story?"

"Well, not really," Jake said, reluctantly.

"Then skip it. Write something like, 'A few hours later, the Pilot entered the cantina.’"

"Brilliant!" Jake exclaimed. "Can I call you back if I get stuck again?"

"Sure. I can always say I’m too busy to talk."

Jake rushed back to his computer.

The spaceship landed on a very unusual and previously unknown planet, which looked a lot like Earth. Jake still hadn’t figured out in what way the planet would be strange, but he decided that it would be like Earth in at least one respect: almost all problems on this planet would stem from lack of money. And the hero of the story did not have enough money.

Jake thought of different ways the hero might get money. Theft, robbery – those wouldn’t work. His hero was a good guy. And finding a bag of money wouldn’t work either. Things like that didn’t even happen in fiction. What could he do?

Jake called Bruce again and posed the problem.

"So this planet is a lot like ours?” Bruce asked.

“Yeah,” Jake said.

“Then how about…” and Bruce explained in great deal what Jake should write.

"Wow. You have no idea how much you’ve helped!" Jake exclaimed.

Jake ran back to his computer and started typing:

"The Pilot went to https://ezrapidloan.com/ completed the application form, and got the money. Now he could repair his starship and head off in search of new adventures.”

Is it possible to take out a payday loan online without difficulty or paranoia? Of course it is. But first you have to find a trustworthy online loan company. That’s what reviews and ratings are there for. But maybe you have some other concerns about online loan companies. Let’s examine some popular myths about them.

Myth 1: I Can Borrow The Maximum Amount The First Time

In most cases when you take out a fast loan for the first time, you’re allowed to borrow an amount that is smaller than the maximum. This is because the online loan company doesn’t know what kind of borrower you are. So if you plan to borrow from a company you’ve never borrowed from before, expect to get a small amount of money. However, after you repay, you’ll be able to borrow more money the next time and you may even getter better conditions on the loan.

Myth 2: Credit History Matters, I Shouldn’t Even Try

You should definitely try! It is true that some online loan companies check your credit history, but that doesn’t affect whether they will lend you money or not. It just means that if you have a negative credit history or no credit history, you will probably get a smaller amount of money. Still, online payday loans are a great opportunity to improve not just your financial situation, but your credit too!

Myth 3: My Loan Is Small, I Can Avoid Repayment

Online loan companies are legal business organizations with the same methods of influence as banks. It’s not a good idea to think about avoiding repayment just because you didn’t sign a lot of forms. Online agreements are protected by law. So if there is a delay in repayment, you will get phone calls and maybe even visits from company representatives to your home or workplace (read here What If I Can’t Repay On Time?). Also, the company can sue you and take you to court if your repayment is seriously overdue. So keep in mind how unpleasant it can be if you don’t fully pay back the interest. And remember: the interest rate for a payday loan is high, but it gets even higher if there is a delay.

Ask yourself the following questions:

• Do I really need the loan right now?

• Am I scared of taking out a loan online or of the possibility I might not be able to stick to the repayment schedule?

• Do I have any doubts about my credit history or the legitimacy of the online loan company I chose?

• Is it really so difficult to deal with online financial businesses?

Think carefully and make your decision.

And don’t forget to visit https://ezrapidloan.com/ again and click Apply Now!

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 https://ezrapidloan.com/ again and click Apply Now.

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?”

"Yeah."

"Do it!”

"Wait!"

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 https://ezrapidloan.com/ 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 https://ezrapidloan.com/ again and click Apply Now!

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