How Payday Loans And Money Advances Function

Unlike all other loans, Payday loans offer you the cash without knowing the reason for which you are going to use the money whether for good or bad and Payday loans doesn’t need any documents.

Eligibility to Get a Payday Loan

• Person must be a permanent resident of that particular country 
• Your Age should be above eighteen years 
• Must have more than 3 months old bank account 
• Should have regular job earnings 

If you have all these abilities then it is easy to get the Payday loan. The requirements for qualifying to get them are low as they are designed to pay off in a shorter period. These simple requirements help borrowers to have a small amount of money quickly even though they are not eligible for other loans or other forms of credit.

The amount offered by the Payday loan is limited and depends on ones earnings. One can request any amount of money below the maximum. Payday loans bring instant cash to the borrower to meet his urgencies. They take a very little time to approve the borrower. After approving the borrower, same day payday loans will credit your bank accounts. It does not take more than 48 hours after approving the borrower. Payday loans are faster as they involve small amount. Smaller amount speeds up the process as it is easy to provide smaller amount. You need to write a postdated check to the next payday for the amount borrowed and the fee applied.

No one can expect when they are going to fall ill, meet with an accident, have car repair and many more and we don’t have ready cash to deal with it until our payday as they are our extra expenses. But, these need to be met immediately in this case these loans will help us. It is hassle free loan in which we can do everything online and through emails to get quick cash, instead of wasting our time moving all around looking for the possibility to get it done. You can apply from wherever you are and whenever you need. Payday loan acts as your savings as you can get whenever you need.

Payday loan expects you to pay the whole amount with the fees on the set day. Sometimes it is difficult to pay all at a time. Don’t worry you have other options also. You can repay part of it and roll over the rest to another date and you can also pay it off through installments to make it easy but, some fee is applied and you need to talk to the representative regarding this.

Payday loans are the best way to get cash fast and easy. Every loan or cash you borrow is a debt. So, while applying for the loan please think over it and avoid it. Unless and until it is very urgent and essential for you don’t go for it in order to avoid unnecessary debts. 

Save Money With A Yearly Business Cost Evaluation

(Photo credit: patrick h. lauke)

For a business to survive and be profitable it must keep costs and overhead down. There is something that occurs in all businesses called expense creep. It is the slow and progressive increase of a companies business expenses. It has as many forms as there are expenses in a business. Taking a yearly look at business expenses to see if they are necessary or if you are over paying for services is a necessary task to keep more money in your pocket.

Office Supplies.

Today we have many sources to purchase office supplies. It can be on the phone, a salesman coming to your business, the Internet, or your local Office Depot. Are you doing all you can to shop around for the best deal. 

Phone Service.

Your phone and Internet service are major costs to your company. Even if you are a small company, savings can really add up by reducing expenses. Check your phone and Internet bill, line by line, to see if any unnecessary services can be canceled. Phone companies offer special business class packages like 0845 phone numbers to help you save money.

401(K) Expenses.

It's commendable that you offer your team a 401(k) retirement plan. But you should be careful that you do not over pay for the administrative costs. They can unusually be high, which may make the plan to expensive to continue. Why not shop around and check what other companies are charging for running your plan. 

Insurance Costs.

This a major cost to any business. A business has to deal with many kinds of insurance. Your business has many types of assets to insure. There is also liability insurance for your products and services. It pays for you to do a yearly audit of your insurance to see if costs can be cut. Insurance is one of the easiest expenses to relocate to a cheaper provider. Insurance companies provide package deals and new customer discounts. Take advantage and shop around.

And that's not all. Here are 5 more ways to save money in your business.

• Postage and shipping in bulk and contract discounts.
• Upgrade old and high maintenance computer networking gear.
• Set up systems to avoid paying late fees on bills.
• Be sure your purchasing office always buys in bulk with the greatest discounts.
• Evaluate your in house services and outsource your business needs to keep expenses down.

You can probably add many more ways to save money in your business. We are so busy as business people trying to bring money in that we neglect keeping an eye on the ways we can reduce costs and save money.

How to Use Credit Cards During Retirement

 (Photo credit: Wikipedia)If someone told you ten years ago that they paid $60 to fill up their gas tanks, you would have thought they were crazy, or that they were filling up 40 gallon drums, not vehicle tanks. But with the national average cost of one gallon of gas hovering just under $4.00, it's not at all uncommon to hear about people paying $60, $70, and even up to $100 to fill up their tanks.

Boy, have times ever changed.

But there is a way to make the most of the rising cost of gasoline — credit cards with gas rewards. Ben Brockwell, a director at the Oil Price Information Service, says that "approximately 80% of consumers are using credit cards to pay at the pump, and that figure will increase if gas prices continue to rise."

Many credit card companies now offer cash-back or reward programs for gas purchases, whose savings are better even than the discount many gas stations offer for customers who pay with cash.

Retirement comes with its fair share of benefits, but even retirees aren’t safe from rising gas prices. After a lifetime of using credit, most retired people don’t have a problem with credit, but a gap in your credit history will drive your score down, and you don’t want to be turned down when trying to buy that new RV or boat you’ve had your eye on for 20 years because your credit score has been slowly dropping.

Instead, consider getting a gas credit card, which will keep your credit score steady, and can help you save for the important things. Here are some of the best options out there:

Pentagon Federal Credit Union Platinum Rewards card: This credit union pays 5% cash back on all gas purchases. That adds up. Even better, the card doesn't charge any annual fees, though consumers will have to shell out $15 to join if they don't qualify for membership in the union.

American Express Blue Cash Everyday card: The Blue card doesn't pay quite as handsomely as the Pentagon card, but still gives 2% cash back for gas purchases, and is typically easier to obtain. American Express cards usually have annual fees, though, so be sure to read the fine print.

Costco / American Express TrueEarnings card: Members of warehouse clubs like Sam's Club and Costco save on gas just for being members (in most cases) but some clubs have credit cards that pay a percentage cash back for all gas purchases. Costco's TrueEarnings card, for example, pays 3% on all gas purchases up to $3,000 and 1% after that.

Brand cards: Shell, Exxon/Mobil, Chevron, Valero, and almost any other major gas chain also have gas reward cards as well. With any of these cards, however, be very aware of the interest rate, which generally ranges from 17% to 27%. If you decide to go with one of the brand cards, pay your balance in full each month to avoid the steep interest charges.


This is a guest post by Eliza Morgan who is a full time blogger. She specializes in writing about business credit cards. You can reach her at: elizamorgan856 at gmail dot com.

Graduating With A PhD - No Longer Guarantees You A Job

 (Image credit: Getty Images via @daylife)

Watch out college students seeking PhDs, your degree no longer guarantees you a job. Even the benefits of multiple degrees won't put a paycheck in your hands. Most likely you may soon be on food stamps. The number of PhD's on food stamps has more than tripled between 2007 and 2010 to 33,655, according to an Urban Institute analysis cited by the Chronicle of Higher Education. The number of graduates on food stamps and other forms of aid, from masters programs, has almost tripled during the same period to 292,029 according to the same analysis.

Overall, the number of Americans on food stamps rose 43 percent over the past three years to 46.3 million Americans as of February 2012, according to the Department of Agriculture.

College graduates with law degrees are seeking other lower paying jobs because law firms are just not hiring. Even tenured college faculty positions are being cut back in favor of lower paying adjunct faculty positions.

Between cut backs in state and private job markets and a down economy more than 5,057 janitors jobs are filled by PhDs degree graduates, looking for work.

Which States Have The Most People On Food Stamps?

1. Mississippi:

Percentage of Population on Food Stamps: 20.7 percent

Annual Change in Food Stamps from 2010: 8.4 percent

2010 Total State Population: 2,967,297

2. Oregon:

Percentage of Population on Food Stamps: 20.1 percent

Annual Change in Food Stamps from 2010: 9.6 percent

2010 Total State Population: 3,831,074

3. Tennessee:

Percentage of Population on Food Stamps: 19.8 percent

Annual Change in Food Stamps from 2010: 17.9 percent

2010 Total State Population: 6.2 million

4. New Mexico:

Percentage of Population on Food Stamps: 19.8 percent

Annual Change in Food Stamps from 2010: 17.9 percent

2010 Total State Population: 2,059,179

5. Michigan:

Percentage of Population on Food Stamps: 19.7 percent

Annual Change in Food Stamps from 2010: 11.4 percent

2010 Total State Population: 9,883,640

6. Louisiana:

Percentage of Population on Food Stamps: 19.2 percent

Annual Change in Food Stamps from 2010: 7.5 percent

2010 Total State Population: 4,533,372

7. Kentucky:

Percentage of Population on Food Stamps: 18.8 percent

Annual Change in Food Stamps from 2010: 5.9 percent

2010 Total State Population: 4,339,367

8. West Virginia:

Percentage of Population on Food Stamps: 18.7 percent

Annual Change in Food Stamps from 2010: 2.4 percent

2010 Total State Population: 1,852,994

9. Maine:

Percentage of Population on Food Stamps: 18.6 percent

Annual Change in Food Stamps from 2010: 8 percent

2010 Total State Population: 1,328,361

10. South Carolina:

Percentage of Population on Food Stamps: 18.2 percent

Annual Change in Food Stamps from 2010: 7.1 percent

2010 Total State Population: 4,625,364

Food Stamp Assistance Program Data

According to the USDA, we are approaching 50,000,000 people using the food stamp programs benefits. This assistance came at a cost of $71,813,402,544 for FY2011.