A Guide to Emergency Cash Loans and Payday Loans

In this rapidly deteriorating economic climate, emergency cash loans and payday loans are becoming increasingly popular. The problem with these is that more and more people that have never required a short term unsecured loan in the past are finding a need to obtain one for that ‘rainy day’ for which they have no longer been able to save up.Many people are spending their savings, and the term ‘life savings’ is now a bit of a joke. Those that can afford a life savings scheme don’t need it, and those that need it can’t afford it. Of course I don’t mean that literally, because many people are saving and need their savings, but nevertheless the sentiment is pretty accurate. Saving is getting harder, and when that unexpected expense comes along then those that not too many years ago would have had something put by to cover it no longer can.Hence the upsurge in emergency loans and payday loans, and there is really very little to chose between them. This guide is intended for the newcomer to this type of short-term borrowing, and how you can make it work for you, or how it can cost you more than you can rally afford. It’s all about using the loan for the right reason and paying it back as agreed.THE AMOUNTUnless you are dealing with a company with few morals, you will likely be offered no more than up to $1,000 for your first loan. Some companies restrict that to $600 for first time customers. The reason for that is that the loan is not secured, and even though legal action would sequester the cash back from your income, most loan companies would rather not do so for a large amount, and it is easier and less expensive to recover a small amount than a large amount.Once you have successfully repaid your first loan, then the amount you can subsequently borrow steadily increases.THE REASONThe reason for taking such a loan has to be compelling. If you can borrow from a family member or good friend then do so because it will ultimately be less expensive for you (unless they charge you a high rate of interest!). It is not economical to use an emergency loan to pay another loan, although if you are in danger of defaulting on accredit card payment you might think the extra expense worth maintaining your good credit record: no price can be put on that.However if your credit is shot, as it is with many people seeking emergency cash, it would likely make no difference other than the fact that you could likely negotiate lower charges with the credit card provider than you would get with a payday loan.There are other reasons for needing emergency cash loans apart from being unable to pay regular bills, among them family deaths where the life insurance is insufficient to meet all the expenses. This is becoming more common as process rise while investment rates remain stagnant. The same is true at the other end of the life scale: weddings. These too can be high cost events that few couples or their parents have had the opportunity to plan for financially.In such cases, emergency payday loans are a boon, and it is a case of get the event over and paid for and then worry about repaying it. However, and this is one of the major points of this section, a regular loan, either secured or unsecured, will be considerable less expensive than an emergency loan. So if you have two or three weeks to spare, apply for a regular loan that can be paid over a longer period of time. Emergency cash loans are real emergencies when cash is short.THE COSTInterest rates vary, but they are not termed that – they are generally referred to as the fee. That can be anything the lender wants but the average is around 25% for up to a month. So if you get paid on the last day of the month and borrow $400 on, say, the 10th, you will pay back $500 the following payday. And if you fail to do so, because you can’t afford it, then you can ‘roll over’ the loan and repay it the following payday with another fee, so you pay back $600.That is why you must be able to meet the arrangement. To people in real need, who have perhaps just had a massive drain on their monthly salary for whatever reason, $400 to tide them by on grocery bills till the end of the month is fine, and they can easily repay $500 from their paycheck. However, if not, then it can be very expensive, that is all I am saying. I am not saying don’t do it – heck I have done it twice myself, which is why I know so much about it – but do it with your eyes open and pay on time.THE PROCESSThere are several different procedures, and not all lenders work the same way. Here are some of the variables:1. Credit checks: some lenders will carry out a credit check and some will not. You might get a lower fee if you have a good credit record, but a bad credit record will not stop you getting the emergency cash loan. Because:2. Security: the loan might be legally classed as unsecured, but you have to be in employment to get one, and also have a checking account, or current account as it is called in the UK. The security is that the lender has you sign a direct debit form so that the payment is taken from your bank account on payday.Now, they have no means of knowing when your payday is, but if you fail to pay they can have an arrestment order on your wages, so that your next paycheck comes with the repayment taken off. Your employer is bound by law to adhere to the arrestment order. That can be embarrassing, which is why you should stick to the agreement.3. Arrangement: The way that my two loans were arranged went as so with two different loan companies:a) I applied using an online form, providing the usual personal details, plus my monthly net income, my pay date, and the telephone number of the company – not the name, just the number.b) I filled in an online direct debit mandate providing my bank details and account number.c) The lender called the company and asked for me. When they were put through I was asked my date of birth and monthly salary. That was how they checked that I worked for the company, and me knowing the details indicated that it was I that filled in the form.d) The cash was put into my bank account.That was it – with both companies. Now I know that some ask for you to fax your bank statements and payslips, but you can avoid that if you deal with the companies on my website. There are the easy ways and the hard ways. In fact one of the two companies I dealt with had the cash in bank within 2 hours of me applying by means of a CHAPS payment – that type of payment usually costs a fee, but it came free. Well, you know what I mean. I didn’t pay for it in advance let’s say, but it was certainly included in the fee!So there you are. That’s how I did it. Twice. I paid them back at the right time, and the loans helped out a great deal. I no longer need such services but they are great if used properly. I can help you do the same thing if you really need the money: but you must really need it now, because otherwise you are better arranging a longer term secured or even unsecured loan.
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The Legal Industry Changes – How Will You?

It’s no secret that we’re living in a time of tremendous upheaval, economically and socially. Double-digit unemployment, a real estate market that’s right out of Mad Max, and an era when technology is allowing us to be closer to one another than ever before without leaving our chairs.We could say it’s the end of the world, or the beginning of one. Whatever you choose to call it, this is clearly something we’ve never experienced before in our lifetimes.So it’s safe to say that the legal industry won’t be the same in a decade as it is today. More lawyers in the field, big law firms adroitly maneuvering jobs overseas or automating them, and everyone doing their best to be as efficient as possible. Consumers of legal services will have a wealth of accessible knowledge at their fingertips, leading to a more educated audience than ever before.What will you do when the guillotine falls on your job, on your firm? Notice that I didn’t say if, I said when. Because we know full well that as technology continues to bring information directly into the consumer’s hands, some won’t need us any longer. They will either learn how to get themselves out of trouble or they will resolve their issues with some modicum of self-help.Your expertise will be communicated in new ways. Your online presence will be the only one that matters to many people. Your reputation will rest squarely on the shoulders of electronic giants. It already does, of course, but most of the profession is still riding on fumes.I’ve been reading a lot about Lemonade, the 35 minute documentary that shows a bunch of people who found inspiration when their employers ran out of fumes. I finally had a chance to watch it last night after reading yet another mention of it, and it made me wonder.When the legal profession finally comes around to a full-scale adoption of technology and social tools to generate business and educate the audience, there will no longer be a need for such a volume of lawyers. Some – the ones who adopted early on – will most likely live to tell the tale. Most, however, won’t be so fortunate.If you were one of the less fortunate, what would you do with your life?I already have my answer. Take 35 minutes and watch Lemonade, then give me yours.
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10 Tips to Rank Your Online Business Number 1 on Google

An Offline or online business needs to consider the weight of having the right online presence as a key to success. The presence you create helps to leverage your level of professionalism and legitimacy. If you are working on building or heightening your online presence, then finding the top ways to rank on Google is one that ensures a strong image and unique business presence.1. Speak with Google. Don’t speak with Google literally, as a search engine can’t really hear you. However, your website can speak for your online business. (From one piece of technology to another). This comes through a code, known as meta tags, in the back of your website that Google “reads” and which categorizes your website. You want to let them know where to place you in relation to your competition.2. Check your content. Google reads your website and online business for keywords. These are the two to three word phrases used multiple times throughout your site. If you use them enough, then Google will place you according to the information you have given.3. Balance your information. There are two types of keywords you want to place on your site. The first is competitive, meaning the majority of websites have the keywords for their online business. The second is your niche. Anything that sets you apart, from your location to your specialized products, helps you to get ahead.4. Submit to search engines. Google wants to do more than read about your online business. It also wants to get to know you. This means that you have to let the search engines know you are a live site and ready to be categorized. Make sure you submit your search engine to Google, Yahoo and MSN, as well as other specialized search engines. This is a simple way of letting everyone know you are online.5. Build links. Google works on categorizing you not only through basic submissions but also by noticing the activity of your online business. You want to build links back to your site to show you are legitimate, active and working your way to the top. Any link building efforts you use works effectively in getting Google to notice you.6. Find ways to build traffic. Google not only wants to know who you are, but wants to make sure your online business is popular. This is based on the amount of traffic that goes to your website every day. The aim you should always have when online is to build traffic to your site through a variety of techniques so Google can read your activity and respond to your popularity.7. Write. Writing still rules the Internet. Article writing is one of the simplistic ways to build your ranking online. You will want to take 500 word articles, submit them to directories and link them back to your site for an effective way to get ranked higher with your online business8. Write some more. Today, content not only comes in the form of articles but also in dynamic content. You want to make sure you have dynamic content moving through your website or through a blog or microblog. Anything with moving or scrolling content is going to get your online business noticed by search engines and traffic.9. Use social media. Most likely, you already know the world of social media. Facebook, Twitter and other online areas can help you to build a strong presence. Keep in mind there are more social media areas you can use that are specific to your online business and profile.10. Analyze, monitor and grow. Stagnant content and keywords doesn’t work effectively with Google, as they want a continuous and growing relationship with you. Keep communicating with search engines about your online business by continuing to work on your momentum online. Build consistent results with link building, creating traffic and monitoring your keywords so they are placed even higher in search engines.These are some of many steps you can take to help your website to get to #1 on Google. With consistent efforts, you will begin to see results with your online business while building effective solutions for an online presence that comes out on top.

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