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.