One of the problems that we are now facing is a declining economy. At times, this can causes a lot of problems of a financial nature and may leave us with not enough money to make it from paycheck to paycheck. It is not difficult for bills to pile up on us and even if we work hard or make decent money, it is still possible for us to get into a situation such as this. If you find yourself with a problem where you do not have enough cash on hand to handle these situations or if an emergency comes up, there are some ways for you to get over this financial crunch and get back to your normal routine. This is done through a cash advance loan.What is a payday loan?Here’s a typical situation that may happen to more people than you realize. We’re going to use this, just for the sake of example. Let’s say you allow your daughter to have her own cell phone but while you are at work, she is constantly calling all of her friends without regard for the minutes that she is using. Everything is fine until the bill actually comes in and it adds up to several hundred dollars. This is where you need to make a decision and weigh all of your options carefully so that you don’t end up paying the bill late. You may be in a situation where you are tight financially and unable to take care of this large phone bill. What can be done in order to overcome a difficult situation such as this?Using a cash advance lender, one that will give you a small loan to cover the cost of the phone will help you to make it through this situation until you get your next paycheck.The Inner Workings of Cash Advance LoansIn order to apply for a cash advance loan, you need to make sure that you meet some of the minimum requirements.Proper Age – When you apply for one of these loans, you need to be able to enter into an application contract legally with somebody else. In the United States, this age is typically 18 years old unless you have a cosigner who is over the age of 18.Proper Income – You are also going to have to provide proof of the fact that you have held down a job for several months at the same company. There are also some minimum requirements as far as the amount of money that you earn on a monthly basis which is typically around $1000. If you meet this requirement, you can apply for the loan and typically do not have any problems. You would also, however, need to provide some kind of check stubs in order to prove to them that you are actually earning this kind of money. The loan company may also contact your employer in order to verify these numbers.Place of Residence – Believe it or not, living at the same place for several months is also a requirement of some of these payday loan companies.One of the things that you can expect whenever you apply for the loan include letting them know how much money you intend to borrow. This is something that you should figure out an advance so that you are ready to answer these kinds of questions. If your payday advance loan is approved, then you will be able to receive the money that you asked for within about 24 hours. This is typically fast enough to be able to take care of most situations, even emergency problems.There are a few things, however, that you should keep in mind whenever you get one of these cash advance loans. In the first case, you are going to be expected to repay the loan in a relatively short period of time along with a fairly large fee. If you cannot pay off the loan in this initial payment period, you may be able to roll the loan over into payments by extending the loan but this will cost you in a big way as far as interest is concerned.Cash advance loans are relatively easy to get but that doesn’t mean that you don’t end up paying for it in the end. The fees for the loan tend to start at about $25 for every $100 that you borrow and if you are late on the payments or have to roll over the payments then you will also be facing large fees. Take all this into consideration before you actually sign for the loan.Getting a payday advance loan can be a quick way to take care of a financial crunch that you would otherwise be stuck with. Make sure that you take the time to look into each of these companies to make sure what they are offering before entering into that your agreement. Read over all of the fine print and make sure of the conditions involved with the loan in order to make sure that you do not make any problems that you are having financially even worse.
Monthly Archives: July 2023
People Can Tell Your Social Class From The First Few Words You Utter
Did you know that studies were conducted at some of the most prestigious universities in the world regarding people’s ability to recognize other people’s social class by the mere words they uttered? This is what those universities found out from the studies that were conducted. Universities had already found out from previous studies conducted that people can tell your upbringing by the things you wear and buy. That’s right! The things that we wear, and buy are status symbols to show off our economic success. New conducted studies show that there are other factors associated with determining social class status.Researchers from Yale University and the University of California-San Francisco conducted experiments on the verbal and nonverbal signs of determining background. This is what they found out. Researchers were able to determine people’s upbringing after listening to several spoken words from participants to see how well strangers could accurately determine where those participants stood on the economic ladder.What investigators found out was that peoples speech was most accurate when determining people’s economic backgrounds. Researchers found out that the first few words a person uttered would reveal if a person had a college degree or not. I conducted the same study with people I came in contact with every day and found this information to be 100% accurate.Researchers divided all speakers involved in the study into different social backgrounds based on their educational achievement and occupation. Once that was achieved, researchers then had observers listen to those speakers utter several words out of context. From those several words uttered, the observers were able to guess most of participants background at a rate that was higher than chance.Conversely, this study was compared to other studies that found that social class signals are everywhere, even written upon our faces. One recent study found that people could accurately determine whether people were rich, or poor based on their looks alone.Many scholars feel that speech gesturing will make it harder to cross social economic boundaries due to people being comfortable with people in their social class, and most people tend to interact and network more with people like themselves. When people accurately perceive social class interactions with others, signals that communicate differences in social class are likely to create limitations for those concerned. Since what I shared with you is fact and you now know that you can be judged quickly, frequently, and consistently based on your words alone, this would be one more boundary that can make it harder to escape social class barriers.
In Learning About the Education Systems, Change Must Come to Avert Total Disaster
Learning about the education systems is a process by which we all eventually travel through. It’s near impossible to change the education system while we are still going through it. One of the major problems with this system is that it has always taught you how to work hard for your money. It’s a concept that has been used for many, many years, and will continue to be used for many more to come. Unless we start to stand up for what is really right and proper, it will continue for you kids and their kids and so on. Unless people start to realize that although the education systems are very important, it must also include, not only learning how to read, write, do math and so on, it must also include the financial intelligence that each and every one of us needs in order to live a prosperous life.
Too many educators would disagree with this statement, saying that financial intelligence should be taught at home. If over 90% of the people end up with next to nothing when it comes time for retirement, how can these same people possibly teach their kids how to handle their money? If these same people struggle to live pay check to pay check, then what do you think will happen when their kids grow up? We have always been taught to go to school, get good grades, find a good job, work hard and retire with a gold watch and the company pension plan. While this may have been possible at some point in the past, it is simply not realistic anymore. Perhaps one of the most influential advocates of teaching financial intelligence in schools is Robert Kiyosaki, the author of the Rich Dad Poor Dad series.
The one thing that Robert states in by learning from our education system, it only sets a person up for financial failure as opposed to happiness and abundance. It plants the seeds of doubt around every turn, basically scaring people into believing that there is only one path that they must travel down. The concepts of having money work for you, instead of working hard for money, could easily be taught to elementary school aged kids.
It is scientific fact that we do the majority of our learning at a very early age. At these young ages we are literally like knowledge sponges so to speak. We absolutely have the ability to soak everything in, and retain a staggering amount of information. If you doubt this concept, just look back on your past or your kids. How many movies did you watch with them that they could tell you word for word the dialogue, right along with the movie.
In learning about the education systems we should always question the fact that financial intelligence is no where to be found. Is this because they powers who be would feel threatened to actually teach information that could ultimately undermine the end goals that they have. It is absolutely one of the most ridiculous notions on the planet to believe that by continuing on the same course of action with our education systems, that anything will change. You have to take upon yourself if you want to change your own situation because no one else really cares, including the most educators.