Make Sure Borrowing a Payday Loan Is a Positive Experience for You!

Borrowing money and accessing credit is not cheap. Interest rates vary but these days, they do tend to be high – there is no avoiding it.Just a simple search on the internet and you will find many stories about people who have entered into loan agreements without doing the necessary checks and research. These people have ended up getting into worse financial trouble which resulted in terrible experiences with less than trust worthy lenders. Don’t be one of those people!Always make sure you are fully aware of your own financial situation, your earnings, your expenditure and exactly whether you can afford to borrow money, before you go ahead and commit to any loan or type of credit.If you don’t consider what you can truly afford you may find yourself struggling to pay back a loan which will result in further interest and charges making the whole situation worse and the debt larger.Always be careful. Think and then think again before applying for any type of loan or credit. Always do your research and find out all you can about the lender you are considering. Look for trusted companies who have a track record in the financial sector. Make sure they have transparent and clear terms and conditions and that they answer all your questions. Good companies will NEVER try to ‘sell’ you a loan. If this happens, don’t fall for it. Lenders are there to help you, they are NOT selling you a product!While you may be suffering from a financial emergency and in need of emergency cash very quickly, try, wherever possible to consider all the ways you can access the financial help you need. Only borrow money as a last resort.Consider whether you can put things off for a week or two until you are paid, or can you borrow the money form family possibly? Sometimes these options will help you out and prevent you having to borrow money.If you do not have these options and you do need to consider a short term loan, always take into consideration how much you will be paying back. You need to be certain that when your next wages is in the bank, you can pay off the short term loan fully so you don’t incur late payment charges.The amount you can borrow depends very much upon the lender you are considering and how much the loan costs. It also is dependent upon what you earn in your regular monthly wage.The most important this is that you are in employment and receiving regular income into an active bank account. If you can meet these requirements and you have calculated how much you can afford to borrow and pay back, then a payday loan can really be helpful in an emergency.Do as much research as you can before you complete an online application form. The best lenders will provide clear and easy to understand information on their websites. They usually have a good loan calculator too so you can work out how exactly how much a loan will cost you.Always check there are not hidden fees or additional costs associated with borrowing. Make sure, before you apply, that you are aware of exactly how the loan works.The best thing to do is to compare three or four reputable lenders. Compare their prices, their interest rates and their services to customers. This will give you a good picture of what the best option is. Your best option is the lender who can help you financially at a cost you can afford and who are responsible lenders who offer all the information you require before you apply.So, before you apply, check the terms and conditions; check the APRs and check their reputation. Don’t believe the hype and fancy advertising or classy looking websites!By doing these simple things you will find a trustworthy lender who has experience in the world of finance. They’ll be able to help you in your time of need and you’ll have the peace of mind knowing you can afford the loan and know you will be able to repay it when agreed.
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What You Should Know About the Drawbacks of Home Schooling

Home schooling is something of a controversial subject. There are those who say that it is not a good practice for educating a child and that’s mostly because of the many drawbacks that can be found in it. You are sure to encounter a lot of people saying bad things about it.Despite the fact that there are some people who say bad things about home schooling, you might still be interested in it. The interest could be because of the many obvious advantages that you could get out of this particular form of education. You might be worried though about the many cons you have heard about it.Don’t let yourself be limited by what you have heard from other people. You should base your decision from that you have discovered on your own. Make the effort to check for yourself if home schooling is really something that would benefit you and your child.To help you in making that decision here are some of the real drawbacks of home schooling that you would be facing when you make the decision to switch to it. These drawbacks are all based on the experience of families who are into this form of education:· One of the biggest drawbacks of switching to this form of education is the reordering of your priorities. If you and your spouse are both working then you might have to think about becoming a single income family. Home schooling means that a parent should be focused and dedicated to the education of their child.· Another drawback of home schooling might be the lack of time that you can dedicate to yourself. It is important that you spend some time away from your duties as a parent and a teacher in order to refresh yourself. If you don’t then that could seriously affect the way that you interact with your child, not to mention with your social connections.· You might doubt yourself when you opt for home schooling because you are doing that is out of the ordinary. There are those who might question your motives for teaching your kids at home. You should learn to get over these doubts and be confident about the decision that you have made.· In connection with the last drawback, you might meet other people who would try to tell you that what you are doing is wrong. They are convinced about that as a fact that they will try to convince you of the wrongness of the decision. You just have to accept the fact that there are such people.· It will be more costly to go for this form of education. You will be buying all of the materials needed by your children. These things are available for free in schools.· In the end this form of education might erode your confidence in authority. You are going against the conventions of society and so it might lead you to think that it would apply to other institutions as well.These are just some of the real cons that you would face when it comes to home-schooling.

What Are The Greatest Changes In Shopping In Your Lifetime

What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.

As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.

That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.

Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.

Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.

Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.

Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.

That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.

Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.

Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.

My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.

Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.

And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.

All Things Fresh
So there were very many common services such as home deliveries like:

• Farm eggs

• Fresh vegetables

• Cow’s milk

• Freshly baked bread

• Coal for our open fires

Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.

Another used to come every day with fresh vegetables, although my father loved growing his own.

Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.

Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.

My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.

The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.

Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.

Our insurance company even sent a man to collect the weekly premium.

People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.

In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.

Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.

• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.

• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.

• Not many written shopping lists, because mobile phones have taken over.

On a more optimistic note, I hear that book shops are popular again after a decline.

Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.

We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.

Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.

My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.