The Top Four Situations Where Online Cash Advance Loans Make Sense

Image via WikipediaAdvice on how to handle money and bills and to plan for your financial future often boils down to two simple things: Spend less than you earn, and avoid debt where possible.

Nice situation if you can get it. But not every week of every month in every year works out so neat and clean. People go for a time with less or no income. Sometimes surprise expenses exceed a paycheck. And some emergencies simply call for making a purchase around which you have no options.

Here are four such situations where getting an online paycheck cash advance can be a good choice:

1. When the online loan pays for a car repair – This is simple. If you need your car to get to work, but a repair expense exceeds available cash, you might go without a car if you have to wait for a paycheck. How many employers are willing to let you take a week or two off work while waiting for something like that? You shouldn’t lose your job just because you don’t have the money to fix your car.

2. When penalties on bills exceed the cost of the loan – The cost of an online cash advance might be $50 or $75, sometimes more (depending on the size of the loan and how long it is held). Some bills left unpaid on time will cost $100, and with several it could be several hundred dollars. Do the math to study your tradeoffs.

3. When reconnection fees are greater than the cost of the online cash advance – If you fail to pay a phone or cable or other utility bill and the service is disconnected, there can be a reconnection fee, plus a deposit is sometimes added on top of that.

4. When you absolutely have to travel to visit a sick relative or friend – If you need to make a trip at short notice, having extra cash to do that is essential. An online cash advance will deliver that kind of money overnight.

Use of online loans should be kept to a minimum, applied only when absolutely necessary. Anyone with a job has that option.

AARP Giving Away a Free 12 Month Membership

Image by martymadrid via FlickrIf you are 50 years old or older and thought about joining AARP, now is the time. The American Association of Retired Persons are giving away a free membership to those 50 or older and unemployed. If you have a membership already it will be extended for 12 months for free, also.

Just click on the link below and you will be taken to the AARP website where you will be asked for your date of birth. Then to another page where you enter your name and address. Soon after that you will receive in the mail your membership card and AARP new member info.

AARP said it is offering the complimentary membership for people 50 and over who may be having financial troubles or who have had an unexpected job loss.

With the card you will be able to receive big discounts at restaurants, shopping, prescriptions,entertainment, travel, and more. Don't wait the offer will expire December 31.

Click here to Join the AARP today and save the $16 membership fee.

10 Job Fair Tips That Will Help You Get Noticed By Employers

Job Fairs have become a staple in today's job hiring environment. Employers want to meet a lot of possible employees quickly and in this time frame they have to access your skills and capabilities. You have to be able to show every thing you have in this short period of time because you want to turn this job fair into a job interview. 

In many ways a job fair is like a speed dating for jobs. You only have a small amount of time, so being prepared is the top priority. This list of tips came directly from interviews from job recruiters at job fairs. These tips are just what they want to see in a possible employees.

Remember, their job is to recruit employees. They go to many job fairs all over the country and see hundreds of job recruits. They are able to size you up fairly quickly. They know what the company needs and they are good at their jobs.

10 Job Fair Tips from Actual Job Recruiters:

1. Be a clear communicator with great passion, lots of energy and great enthusiasm.

2. When coming to a job fair come with a specific plan. Know who you want to talk to, know about the companies you want to talk with and ask intelligent questions.

3. Spend your time wisely and know that you can't possibly talk with everybody there. Focus in on the companies that you are really interested in.

4. Know before hand which companies you want to talk to by doing research on them before you arrive. Go online, looking at companies' websites, looking at jobs that are posted on their websites. Do you really know what the company does and what are the functions of the people working there. Use your knowledge learned so you can ask the recruiter intelligent questions about the company.

5. Determine if you are just looking for a job or along term career path. Knowing your own goals well, will help you be more focused and it will show when you talk to recruiters.

6. Don't oversell your resume. If you don't know something say you don't know. Use your previous skills and what you do know to build on your resume. Overall be honest.

7. Keep an open mind about the type of job you want. While at the fair you may come across a job you may of never thought would be right for you.

8. Be confident. Approach those employers with confidence and it will sell you. Sell yourself with confidence.

9. Focus and make eye contact. Speak clearly and be professional. You only have a few minutes to show what you have.

10. Be yourself. Be relaxed, show your passions, extracurricular activities, or things that really drive you. You can't fake that. Being passionate will show your not fake and it will leave a lasting impression.

Lastly, make sure you show lots of energy in your manner. Companies are not looking for worn out, tired people. Showing you strengths will move you to the top of the recruiters list.

How To Get the Lowest Interest Rate When You Refinance

Image via WikipediaThis week the average interest rate on a 30 year mortgage dipped below 4 percent. This is only the second time in history that has happened.

Mortgage lender Freddie Mac said the rate on the 30-year fixed loan fell to 3.99 percent. Six weeks ago, it dropped to a low of 3.93 percent, according to the National Bureau of Economic Research. The 15 year fixed rate mortgage fell to 3.30 percent. Low mortgage interest rates should of had some effect on increasing home sales but homes sales are still at a 12 year low.

What can be done to help you get the best fixed rate mortgage?

Even though mortgage rates are at such a low interest rate it doesn't mean you will get these rates. It depends on your credit score among other things. You can get the best fixed rate mortgages if you prepare.

1.Have a great Credit History.
Being maxed out on your credit cards is a sure way to lower your credit score. Paying down your debts will help in raising your score. Before applying for the new mortgage its best to check your credit report. Sometimes mistakes can get into them. You have the ability to straighten the errors out. You can dispute the errors and if the credit reporting agency can't prove the item, then by law they have 30 days to remove it. After you fix your report be sure to wait a couple months so your score can return to a higher level.

2.Be sure to have cash in the bank.
Whenever you apply for a mortgage the lender always asks what are your balances in your checking , savings, and investing accounts. Having money in these accounts shows the lender that you aren't penniless because it shows you have the ability to save and hold on to your money. It tells the lender that you are less of a risk and will get you a lower interest rate.

3.Be a good consumer.
Being a good consumer means shopping around for who will get you the best mortgage deal. Start on the Internet to locate the best mortgage companies. Here you can compare many loans in a short period of time. Don't be afraid to call them on the phone and try to get a better deal. A lower interest rate or more favorable closing costs will save a lot of money..

Don't rush into getting a mortgage. Shopping around will save you a lot of money over time. A lower interest rate or less points will save you money over the life of the loan, keeping money in your pocket.