Saturday, October 17, 2015

Avoid All Loan Sharks

Avoid All Loan Sharks

Loan sharks are people who illegally run a money lending business . They charge unbelievably high interest rates that may seem almost impossible for anyone to settle. However, I always see a lot of people getting into this kind of horrible debt, and I am sure that it is not a situation anyone would want to be in.


Unfortunately, there are these little things we do that can lead us to uncontrollable expense and snowball of obligation that just gets bigger without us doing anything. So before you get into bigger debt and force you to have your way with loan sharks, it'll be better if you can find a way to cut down on your costs and slowly deal with your debt.


Debt management can be daunting and stressful for anyone, especially with the thought of your debt getting bigger everyday. Yes, your debt gets bigger everyday, they are not just not reflected on a daily basis, but rather monthly. If you are making enough to make ends meet and deal with the interest of your debt, it still isn't enough, because you don't want to be paying interest for years.


If you can deal with the interest just fine, then you just need to find something that can slowly - or immediately - cut the amount that you owe. For example, you are making enough to deal with the $200 monthly interest of your $1,000 loan, all you have to do is to start raising additional cash to gradually reduce that amount.


Believe it or not, your meals are also a good source of money that can pay-off your debt. If, for example, you are eating at your favorite restaurant, twice a day and 5 times a week, for $6 a meal. That's a quick $240 off your debt just by cooking your own food at home.


The simple things that you do, which costs money are the very reason why you'll end up in bigger debt. Make sure that you handle your finances carefully, and slowly build emergency funds so you won't find yourself getting caught in the trap of a never ending debt settlement.

Thursday, October 15, 2015

How to to Pursue a Degree

While it's true that schools are expensive, you can take out a student loan to attend. In this article, we will review the steps necessary to apply successfully for a student loan.

Do know that you are probably going to have a post-graduation grace period from your student loans before you are required to start making payments back.


Usually, there is a time period after you leave school before you must begin paying the loans. Being aware of this will help you get a jump start on payments, which will help you avoid penalties.


Keep in contact with the lender. Always update them anytime your address, email or phone number changes, which can happen a lot during college. Read all of the paperwork that comes with your loan. Do whatever you must as quickly as you can. If you miss something, that can mean a smaller loan.


Don't let setbacks throw you into a tizzy. Emergencies are something that will happen to everyone. Lenders provide ways to deal with these situations. Just remember that interest is always growing, so making interest-only payments will at least keep your balance from rising higher.


Use a two-step process to pay off your student loans. Always pay the minimum balance due. Second you should pay whatever you're making extra to a loan that has a high interest rate, not the one with a higher balance. This will reduce your spending in the future.


If you are in the position to pay down your student loans, make the high interest loans your first priority. If you pay off the wrong loans first, you could end up paying more than you need to.


Which payment option is your best bet? Most student loan companies allow the borrower ten years to pay them back. Other options are likely to be open to you if this option does not suit your needs. For instance, it may be possible to extend the loan's term; however, that will result in a higher interest rate. You can pay a percentage once the money flows in. Some balances on student loans are forgiven when twenty-five years have passed. Even the debt from your prom dress will be paid off….



Tuesday, October 13, 2015

Paying off your College Debt

Paying off your College Debt

To help with paying off your loans, start paying off the loans by order of the interest rate that comes with each. Pay off the highest interest rate loan first. Using additional money to pay these loans more rapidly is a smart choice. The is no penalty for early repayment.

Monthly student loans can seem intimidating for people on tight budgets already. There are frequently reward programs that may benefit you.


For instance, look into the Upromise programs called SmarterBucks and LoanLink. They will make small payments towards your loans when you use them.


You can stretch your dollars further for your student loans if you make it a point to take the most credit hours as you can each semester. As much as 12 hours during any given semester is considered full time, but if you can push beyond that and take more, you'll have a chance to graduate even more quickly. This lets you minimize the loan amounts you have to accrue.


Lots of folks secure student loans without truly understanding the fine print. Ask questions so you can clear up any concerns you have. If you do not do this, you may end up paying more than you should for your education.


The best loans that are federal would be the Perkins or the Stafford loans. These are both safe and affordable. With these, the interest is covered by the federal government until you graduate. Perkins loans have an interest rate of 5%. Subsidized Stafford loans offer interest rates no higher than 6.8 percent.


If you have poor credit and are looking for a private loan, you will need a cosigner. You should be sure to stay on top of your payments and never miss one. If you don't keep up with payments on time, your co-signer will be responsible, and that can be a big problem for you and them.


Understand that school affiliations with lenders can be quite misleading when you are deciding which lender to choose. Many institutions allow selected private lenders to use the school name in their promotions. That leads to confusion. The school might be getting payment if you choose to go with certain lenders. Know what the loan terms are before signing on the dotted line.


Wipe away the thoughts about not paying back your student loans and thinking the problem will just go away. There are various ways that your finances can suffer because of unpaid student loans. The federal government can garnish your taxes and disability payments. In addition, they can also collect up to 15 percent of other income you have. Many times you will put yourself in an even worse situation.


As previously mentioned, college is costly, so it is quite important that you know how to go about obtaining a student loan. These tips can help you to finance your education effectively. Use the suggestions to your advantage when you are filling out financial aid forms.



Sunday, October 11, 2015

What Life is Like Being Independent

Being an employer gives me the opportunity to have my own home, drive my own car and travel around the world. As a young and driven professional, I made a choice to save my wages so I can do whatever I want. I started living out of my comfort zone when I decided to moved out from my parents’ house. Being independent taught me a lot about life, career and challenges. It made me become aware of the reality and bitterness of life.


Working in an Insurance company lead me to learn different life’s circumstances and uncertainties. I was in the PPI claims department where I assist my clients on their needs so they will be able apply and receive their claims. You might wonder what PPI is? Let me start by introducing this product to you. According to Wikipedia, Payment protection insurance (PPI), also known as is an insurance product (especially in the United Kingdom) that allows consumers to protect repayment of credits if the borrower deceases, becomes ill or incapacitated, loses an occupation, or faces other conditions that may avert them from producing income to facilitate the debt.


This product had been my bread and butter for almost 5 years now and it has been a great experience for me. I must admit that during the first 2 years of my career, I faced different challenges that made me really stressed, depressed and even miserable. I almost reached to the point that I wanted to leave and be unemployed for the rest of my life.


My life had been a roller coaster ride but I remained strong not only for myself but also for my family. I became one of the best employee of our company because of my hard work and perseverance. Instead of conceding, I look at the bright side of my work and I stand back up. My clients had become my family also. I established a good working relationship with them that helped me lot to be who I am now.




Friday, October 9, 2015

How to Get Rid of the Unnecessary

New Year gives a fresh opportunity to each and every one of us.  It simply shows how we should start our year correctly and begin doing the things that we have not done before. A fresh new start can be a great chance to fulfill our goals in life.


Starting the year right by following our new year’s resolution is one way of keeping our track. It is important to achieve each resolution that we wrote before the year ends. Achieving each resolution is a great achievement and serves as a great inspiration to our friends and family. I for one was able to take down my 2015 resolution. I was very constructive when I wrote it, and I make sure that it is achievable.


One of my chosen resolution is to give time on taking good care of my dogs. I am a pet lover and I really love dogs. The problem that I faced is that I cannot take good care of them well because of my busy schedule. Since I am a Medical Representative, I tend to travel most of the time. Usually my out of town trips takes 2-3 days, leaving my pets in my apartment alone. As much as I want to bring them to work, I cannot do it.


Every now and then I have a house cleaner who would come by my house to clean and check on my dogs. I have this horrible experience when my house cleaner called me up and said that she saw flea walking around the fluffy hair of my dogs. I felt goose bumps all over my body and told her to immediately call your veterinarian since I am out of town.


Right there and then, my house cleaner had to do general cleaning to make sure that no more fleas will be staying inside my apartment as well as in my dogs body. With that experience, I was able to buy a lot of Capstar tablets and store it. For me, it is better safe than sorry.



Wednesday, October 7, 2015

Positive and Reduce the Negative

People falling in line with transaction ticket on hand waiting for their turn to be called. Priority numbers are given to provide quality service to each client. Tellers are smiling brightly to greet each and every one. This is the usual scenario in our bank every day.


Working with passion is one of the greatest characteristic each employee should possess. Being happy with your work would result to a productive outcome. Being a young professional who came from a family of banker, my parents would always say how important it is to have a stable career.


Having a good career will help you sustain your finances in the future and having insurance is very important to provide your needs in case of something happened. Those teachings instilled in my mind that I decide to work in the bank after I graduated in college.


I was assigned under the Insurance division where I need to sell PPI. Payment Protection Insurance is a protection product that allows the clients to insure repayment of credits once the borrower faced situations that may hinder them from producing income to service their debt. Encouraging client to have this kind of insurance is a challenge but the return is really a good investment.


I dedicated my time in my work to produce an excellent performance. I made sure to provide the right information to our clients so they can understand the product really well. Most of my client did not encounter any problems upon claiming their protection insurance.


I really put an effort to help and guide them with the proper steps on what they should do and the requirements that they will need. My clients would address me as a very approachable kind of person and would always greet me with smile whenever we would bump downtown. The relationship that I have established with them have given me a sense of fulfillment with myself and my career.

Monday, October 5, 2015

Helping Others & your Intentions

Helping Others & your Intentions

For someone like me,  the job is to always give other people a chance to improve their lives. A good way to do that is helping them through loan and cash advances. I always see to it that my customers get the most of my service, especially when they use my online directory.


I started establishing a small business, a loan and cash advance store. Of course it was hard for a first timer like me to operate even a small business like this.Fortunately, I was able to manage my business pretty well. I started to make  a good amount of transactions with my customers on a daily basis. As time passed by, I invested some money so I could finally have my own website.. Now when any new customers or current customers call and ask how they can get a loan or cash advance, I advise them to visit my website to get that information.


In 2009I had one customer named Gringo. He asked me how to get a loan  to start his own business. I explained  the process step by step  to make sure he wouldn’t get confused. We did have a very good transaction after telling him everything he needed to know. Luckily, he and I make a good business relationship. Everything went smoothly between us, until something happened to his pet named Cassy.


Cassy is a Manx cat. She is beautiful and her fur is as fluffy like a teddy bear. Gringo told me that Cassy was accidentally hit by a bicycle and as a result she became paralyzed  in the rear. She is unable to express her bladder or colon on her own. The former beautiful and healthy Cassy is now sad and distressed. After hearing the story behind what happened to Cassy, I did some research. I came across a cat that wears diapers that was diagnosed with Manx Syndrome.  I was able to contact the owner and discuss the best option in regards to getting Cassy to wear a diaper.


I explained to Gringo that Manx Syndrome is a term used to describe a rare condition specific to Manx breeds. The manx breed has a shortened or absent tail. This condition causes an abnormality in the spinal cord leading to significant neurological problems.

Gringo was very worried about Cassy’s condition and wanted to bring her to a specialist. Knowing that the costs would be high he has asked for another loan. Of course, I said yes.


Last week Gringo called to tell me that Cassy is now recovering from her accident. After hearing the news, I felt good for being able make other people’s lives better through loans and cash advances. Having compassion is a great treat when trying to make good connections with your customers.



Thursday, October 1, 2015

How to Deal With Pawned Jewelry

My business runs with people who are in need of easy money, pawning and loaning. I've been in this business for years and have learned how I can kill time and still make enough money from my business. I read a lot of articles on the Internet and have learned a lot of things, even outside the topic of money. Heck! I even read about


One day, I came across a topic that discusses how they can deal with pawned jewelry, which they are having problems with. The first question that I have is, where did they use the money from pawning their jewelry? If it was used for something else other than dealing with an emergency situation, I will, most likely, tell the person to just let it go.

If you pawned your jewelry just to have money for something that is not important or could wait, what's the use of getting it back? You'll end up pawning it again sooner or later. However, if the money was used for a medical emergency or something that would require you to have immediate cash, then there's an easy way to cope.


Most of the time, pawning is the only thing that people can think of when it comes to extra cash. This is due to the pressure of another debt that will create higher interest than pawning. This pressure is enough to prevent us from making radical decisions. Once the problem is settled, it'll be easier for you to look around and do the things that should be done handle your debt.


Cutting down on your meals or groceries is also a good way to handle pawned jewelry. It will only take a day for you to create a realistic budget, and this is what I want you to do right after you've dealt with your emergency situation. It won't take more than a day, but will save your finances for years. All it takes is for you to be more transparent with the way you handle your money.


If you were able to get your jewelry back, the first thing that you need to do is to build an extra source of income and never use that income for average consumption. Just think of it as a source of emergency funds so you won't have to pawn your jewellery or get yourself in deeper debt.

One customer paid of his debt by giving my family and I a two week vacation to Ystradgynlais. He even showed us a travel website to pick out all our excursions!



Tuesday, September 29, 2015

The Good Samaritan

Does helping others in any way makes you a better man? Being involve in different community services in our town gives me credit of being called “the helping man at all cause”. Offering my hand for free is just one of the many things that I do for a living. I do it with my whole heart and do not expect anything in return, for me it is one of my greatest achievement in life. Serving our community is a traditional practice that I do since my early childhood.


My family is involved in a Labour Party as well as Loans. We serve the people well by helping them in their funds, let them borrow money or apply for short term loans with a very low interest rate. We do this not just for business but also to continually help those who are in serious need. One of the quickest way to address an urgent need for relatively small amounts of cash is pawning a jewelry or stuff that has a positive value in the market like cellphone, gadgets, motorcycle vehicle and household equipment. In this way, a sum amount of money will be granted to the person who pawn thus giving them the benefit to use the money. We also provide our clients and customer different kinds of products and services that will address their current needs.


With the help of technology, we have come to innovate our facilities to provide better. We have include money transfer online where they can send and receive money wherever they are. These unique service has been providing a lot of benefits to the people globally thus making it a big hit in the market industry. Our business also provides short-term loan wherein we finance a temporary working capital needs for an entrepreneur so he can start operating his business. After which, if the business is already stable and earning its own revenue we will apply the loan interest until the entrepreneur can fully pay his debt. This method is a win-win situation both for our business and the borrower's business.


When we first started this business, we have received undesirable and judgmental criticisms from the people in our community as it impose negative impact because of the interest rate not knowing the long term benefits it provides them. But as time passed by, people began to notice that pawnshops is more beneficial compared to banks, as it does not impose as many documentary requirements before releasing money to the customers.


Furthermore, pawnshops are more accessible as they can be found even in the isolated areas where banks do not operate. Through time, we have established our reputation as the only pawn store that provides quality service at a very affordable rates.



Sunday, September 27, 2015

Turning Debt to a Vacation


I've been in loan business for years and I have seen dozens of people get in and out of debt in different ways. You will hear a lot of different stories from people when it comes to dealing with money, but one thing is for sure, dealing with debt can be very depressing.


For short-term solution, you can simply talk to your lender as quickly as possible, and ask them if they can give you more time. I've seen a lot of people coming to my shop for this, and since I run a local loan store, I cannot say no to them, but only once. After the first request, failure to settle your loan can get very nasty. In fact, I've dealt with a borrower who asked for a $500 payday loan and end up being in $2,300 debt.


When it comes to long-term solution, it'll be better for you to create a realistic budget. Getting out of debt as soon as possible will require you to reduce all your expenses immediately and focus most of your income to settle the amount you have to pay. I know you can easily cut your expense by $300 just by not eating at your favorite restaurant for a month. There are a lot of other unnecessary expense you can remove from your monthly budget.


Once you've settled all your debts, the first thing you should do is to never ever get into debt again! This can be done by transferring the amount that you used to pay your debt into your emergency funds. Yes! Forget about eating at your favorite restaurant and forget about everything you've removed from your budget, because you lived well without them. In fact, they could be the very reason why you can't get out of debt!


By building a pool of emergency funds, you won't have to worry about the money you need during emergencies. Since it is money you cannot touch, you may even use some of it for investment, given that you've saved enough for any emergency. All it takes is discipline and proper budgeting to really get back into shape - financially.

I for sure want to plan a vacation to Romania, hopefully that is something I can fit in my budget. I found this fantastic website that tells you every tourist attraction and every restaurant you have to visit, making planning very easy!



Friday, September 25, 2015

Stop Messing Around

Cleanliness is one of the most important aspect every household should practice. Having a clean environment encourages peace and harmonious life. Have you imagine your surrounding so clean and green? Everybody in the neighborhood would be curious on how you preserve it. Maintaining a well preserve environment requires effort and discipline.

 Being a single mother of two, I really have difficulty of maintaining our house clean every day. I have been working in the bank for the insurance department for more than 10 years now. I’ve been selling Payment protection insurance (PPI), also known as credit insurance, credit protection insurance, or loan repayment insurance for most of our clients in the bank. It is a type of insurance product that will let of our clients protect the repayment of loans once the borrower dies, becomes ill or disabled, loses a job, or faces other circumstances that may stop them from producing revenue to facilitate their responsibility. It is not to be confused with income protection insurance, which is not specific to a debt but covers any income. PPI is widely sold by our bank and other credit providers as an add-on to the loan or overdraft product.

 I am very dedicated in my work since it is our primary source of income. That is why no matter how I wanted to maintain a clean environment, it is hard for me to do a lot of things all at the same time. My kids love pets and we have 2 cats and 1 dog in our house that makes me very busy cleaning up their mess every morning. Waking up every morning with cleaning as my first thing to do consumes most of my time. 

 The Litter Box really helped me a lot in maintaining our house clean and smelling fresh. I don’t have any difficulty sweeping and wiping our floor whenever our cats would try to do their thing anywhere in the house. My kids trained our cats to use the Litter Box whenever they need to use it. It was really a relief knowing that there is such fabulous product like this in the market. This product can really benefit all the pet lovers out there.