Sometimes when things become a little tough, we do things without too much thought. Usually because we want to put the tough thing behind us and move on. This can result in jumping in on payday loans and regretting it later. Payday loans aren’t all that evil as long as you know what you’re getting into and you take some time thinking about actually doing it and how you’ll later terminate the loan.To begin with, payday loans aren’t always a good choice! Don’t get tricked by the ads from the mall, radio, television or Internet. Even if you desperately need some cash until your payday, you should consider all the alternatives first. In my opinion, a brief definition for payday loans is expensive cash.Payday loans are short-term cash loans. The amount of money that can be borrowed regularly ranges from $100 to $1,000, and it depends on the laws of each state. The average term is about two weeks. Payday loans are made by check cashers, finance companies, payday loan stores, and others. They are also designated as cash advance loans, check advance loans, deferred deposit check loans or post-dated check loans.This is how it usually works: the borrower writes a personal check for the sum borrowed plus a fee and he receives the amount he or she wishes minus the fee. Fees are regularly a percentage of the value of the check, but they can also be a fixed value charged per a specific amount (like $15 for each $100 borrowed). When the next payday comes, the borrower can redeem the check for cash. Otherwise, he can pay the finance charge again and roll the loan for another two weeks.To get an idea of how expensive payday loans are, you must know that this type of loan costs on average 470% APR (annual interest), while the APR a credit card is rarely higher than 60%.Let’s assume you want to make a payday loan for the amount of $300, the loan fee is of $17.50 per $100, and the loan term is 14 days. Therefore, in order to redeem the check you have to pay $352.50 when the 14 day period is over. You can pay it by cash or you can allow the check to be deposited at the back. If you still don’t have this money, you must pay the fee of $52.50 to renew the loan for another loan period. This means that borrowing $300 for a month will cost you $105. That’s not cheap at all! By comparison, a $300 cash advance on an average credit card, repaid in one month, would not cost you more than $15.All you need to get a payday loan is an open bank account and a steady source of income. However, lenders are not necessarily interested to find out if the borrower can afford to repay the loan. If you don’t pay the loan, it becomes an uncovered check in your bank account. If you fail to repay it, you will get a bounced check fee from the lender and from the bank. You will receive negative ratings on specialized databases and because of this you might lose your bank account and have difficulty in opening a new one.Because of the very high cost to borrow and the short repayment terms, the consumers sometimes tend to be trapped in repeat borrowing cycles. Reports show that almost 60% of all loans made every day are either loan renewals, or loans taken out by the same consumer immediately after paying off the last one.Payday loans with three-digit interest rate are prohibited in twelve states in the USA, where they are considered to be small loans or usury caps.The internet payday lending has become very popular lately. You can apply online and loans are directly deposited into your bank account. When the payday comes, the amount of money you’ve borrowed is electronically withdrawn. If you choose to renew the payday loan, the finance charge is electronically withdrawn from your account.Here is a suggestion in order to avoid getting a payday loan. First of all, shop carefully! If you really need that money, try to get an advance on pay from your employer or borrow the money from family or friends, at least you can do this for free (usually). Figure your daily and monthly expenditures, and try to avoid unnecessary purchases. You should also build some saving, so that there will be no need to borrow money for unexpected expenses or emergencies. If you still decide you want to use a payday loan, make sure you don’t borrow more than you can pay with your next paycheck.
Streamline Your Business With Small Business Management Software
Small businesses often face a multitude of day to day problems and one of them is having difficulty in streamlining business procedures to maximise their potential. Without procedures and processes that are streamlined a business owner can find that a disproportionate amount of time is wasted each day. Whilst this can sometimes be through no fault of a particular individual it is still time during the working day that is lost and can never be retrieved.In order to streamline a business and its processes and procedures it is wise to look into small business management software. With this management software it is possible to run most aspects of a business through one single software application. Not only does this provide a single interface for employees and business owners to perform work tasks through, it also helps to cut down on the amount of time spent switching between various applications.Small businesses that opt to use small business management software soon see the benefits of doing so in terms of increased productivity and lowered inefficiency. Both of these combined can make a real difference to a small business’s bottom line, something that all business owners and managers are all concerned about.Integrating small business management software into a business is also very straightforward, which means that managers will not have to face losing too many working hours as their staff learn to use it. In fact as soon as you have been set up with a password and ID it is possible to be up and running with small business management software in a matter of minutes. Obviously users of this type of software will learn more about how to get the most out of it as they are using it and develop their own style.Streamlining a small business means that all employees will be using the same efficient means of completing work related tasks and so on. By only using one application to create and save customer contacts, create work rotas, assign individual tasks, create quotes and invoices and much more a great deal of time is saved.Traditionally, these tasks would have been completed through separate applications which meant waiting for each one to open every day and then having to swap between them during the working day. Over time this can lead to poor working practises and even lost documentation – which has to be avoided at all costs. In fact by only using one application it can enable a business to refine their processes to such an extent that there is little room left for error.Any business owner or manager who wants to create a more positive working environment and increase productivity in a very short space of time should look towards small business management software. It is the practical and simplistic way to streamline a business and increase revenue. So rather than trying to change internal processes and retain the same software choose small business management software and you will soon see the results.
Critical Thinking: Is It A Bad Idea For Someone To Check Their Smartphone When They Wake Up?
Nowadays, it is not uncommon for someone to have a very strong attachment to their Smartphone; so close in fact, that it can be practically another part of them. It won’t be physically connected to their body, but it can be as though it is.
A Number of Benefits
Yet, as there is so much that can be done with a one of these devices, this is not much of a surprise. Calls can be made and messages can be sent, along with so many other things that can take place.
Someone can have so many apps on their phone that, if their phone was to crash and they lost all their apps, it could take them a number of weeks to download them all again. And due to how many they had, they might not remember half of what they had.
Business and Pleasure
So, along with all with staying in touch with family and friends, one can use their phone to keep their mind busy and to do their job. Having a phone like this can allow one to run their business from just about anywhere in the world.
It is not necessary for them to carry around a lot of equipment; they can just use one small device. This is a device has liberated a lot of people and allowed them to live in a way that is more in alignment with their true nature.
Freedom
For example, someone can to travel around the world instead of being tied down to a desk job, and this is going to be extremely fulfilling. If they were to go back to having a job like this, they would soon realise how bad it is.
Nevertheless, if this was how they lived their life and they only went away once a year, for instance, it would probably be a lot easier for them to handle. The reason for this is that this will be what is normal.
Worn Down
Through going into work, day after day, week after week, they would have gradually become accustomed to this way of life. Part of them can then feel unconformable with this, but another part of them can feel comfortable with it.
One is then going to be ‘comfortably uncomfortable’, and this will need to change in order for their life to change. What this shows is that someone can become comfortable with anything; it doesn’t matter if it matches up with their true needs, or if it is good for their wellbeing.
Pros and Cons
But like just like most things on this planet, a Smartphone doesn’t come without its drawbacks. What one could find is that they spend far too much time using this device, causing other areas of their life to be overlooked.
In fact, one could find that they feel lost without their phone, and that being without it causes them to experience a lot of anxiety. It will then be as though they are a small child and the phone is their mother.
A Regulator
Therefore, if they are with their phone they can feel calm and at peace but, if they are not, they can end up being on edge. Not only this, their phone is going to allow them to feel good, too.
The apps that they use will have been designed to give them a dopamine hit to keep them coming back for more, with this being the brain chemical that is linked to pleasure. It then doesn’t take a lot of thought to realise why someone would become addicted to this device.
Self-Control
What this empathises is how important it is for someone to make sure that they don’t allow this device to control their life. It is there for them to use, meaning that the device is not there to use them.
This is then not different to how if one like’s chocolate; they will need to make sure that they don’t eat it all the time. If they can’t control themselves and eat it too often, it will have a negative effect on their life.
The Time of the Day
While there is going to be no reason for them not to use their phone if they are working with it, there are going to be other times when it might not assist them. For one thing, it has been said that it can be harder for someone to sleep if they use their phone before they go to bed.
This is said to be due to the ‘blue light’ that the phone emits, with this shaving an effect on their brain and body. And if someone doesn’t get enough sleep, it can affect just about every area of their life.
Another Consequence
There is also what can happen if someone uses their Smartphone as soon as they wake up. This device can end up defining how they feel and thus, how they will behave, and this can mean that they will be reactive instead of proactive.
One is then giving their power away to this device and this will stop them from being able to be in the driver’s seat of their own life. For example, one could read a message and end up feeling deflated, or they could find that they haven’t received a message and feel the same way.
An Effect
When this happens, it can stop one from being able to tune into their own needs and to decide what it is that they need to do. As a result, they can allow the external world to make this decision for them.
So instead of being the centre of their world, they will behave as though they are just an extension of their phone. This device is then going to take away far more than it gives to them.
Conclusion
Ultimately, one is not here to be defined by others; they are here to define themselves. It is going to be a lot harder for them to do this if they allow their Smartphone to control how they feel and behave.