Why You Should Never Use a Payday Loan to Resolve a Short-Term Funding Issue

With a payday loan, you can effectively borrow against your forthcoming earnings, even before you’ve earned them. This might seem like a tremendous boon if you’re facing an urgent, short-term, cash flow issue. You may be poised to have your utilities cut off, or you could be struggling to buy groceries. No matter what your current financial woes are, there’s likely a far better solution.

Why Payday Loans Aren’t Ideal

Payday loans are the epitome of predatory lending. These funding products are specifically designed to target high-risk, low-income consumers. Sadly, a lot of consumers who earn more than enough to meet their financial needs often wind up using these products due to poor money management. Because these loans are structured specifically to accommodate borrowers with low credit and an inability to qualify for more conventional funding types, they always come with excessively high interest rates and fees. Moreover, payday loans also have rapid turnaround times. When you use them, you’ll have to restore everything that you’ve borrowed, plus the associated interest and fees, before you have the chance to get back on your feet.

This can put people in the position of living hand-to-mouth, even if they were far from living this way to begin with. In fact, a lot of people wind up using payday loans in a revolving door fashion. Ultimately, the very nature of these products can trap people in a vicious cycle of borrowing and repaying. So, what are your options when you need an alternative to payday loans?

Car Title Loans

Car title loans are an alternative to payday loans that are also structured for high-risk consumers. With these, rather than leveraging your forthcoming paycheck, you’ll actually be leveraging your car. Much like payday advances, car title loans also entail significant fees and incredibly high interest rates. Worst of all, if you default on one of these loans, you’ll wind up losing your vehicle.

Creating a Rainy Day Fund

The absolute best alternative to payday loans is simply making sure that you’re prepared for the unexpected in advance. You can do this by stashing away nominal amounts of cash, every time you get paid. This way, when problems arise, you’ll have plenty of money squirreled away for taking care of them. Best of all, you can use these funds without having to pay interest or fees, and without having to risk losing your sole form of reliable transportation.

Using Your Credit Card to Get a Cash Advance

Although creating a rainy day fund is an excellent way to prevent cash flow issues from occurring, this tip won’t do you much good if you’re only recognizing its value in hindsight. Another way to get quick cash when you really need it is to use your credit card to get a cash advance. Keep in mind that getting even one cash advance on a credit card can cause your interest rate to soar. As such, you should carefully read the terms and conditions of your card before using it this way. It’s a good idea to have at least one credit card stashed away that’s solely reserved for emergency expenses, especially while you’re still building your rainy day fund. This way, your credit limit won’t be exhausted, and you won’t have to pay the short and long-term costs of getting a cash advance.

Offloading Assets

Far cheaper than payday loans or credit advances is simply selling off assets that you don’t truly need. If you’ve got pressing bills and are unwilling or unable to take on a new debt, think about offloading a flat-screen TV, a gaming system, or any other high-value electronics that are busy collecting dust. You definitely don’t need these things as much as you need running water, working lights, gas in your car, or food on the table. With good money management, you can always decide to replace these things at a time when you can comfortably afford them.

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Versatile Fashion Pieces Every Woman Should Own

Have you ever watched an episode of Sex and the City? How about The Devil wears Prada, ever heard of it? Or perhaps you’ve read Confessions of a Shopaholic? If you answered YES to at least one of these questions, you can definitely relate to all the women out there who are going gaga over fashion trends.

Wouldn’t it be just great to be able dress up like Carrie Bradshaw or maybe get tons of high-end fashion freebies from your job like Andrea Sachs? YES and YES! Unfortunately, indulging yourself may well leave you broke or leave you with a massive credit card debt. Needless to say, keeping up with the ever changing trends in fashion can be very expensive.

This is the reason why you have to start making smart decisions in shopping and learn to invest in all-around fashion pieces that will always, always be in style and can be mixed and matched with the other items in your closet. Read on and stock your closet with the top five essential fashion items you can wear over and over again, in millions of different ways!

Trench Coat

A classic trench coat in beige or brown is definitely a good investment. Choose one that is of good quality and made of sturdy material. They are perfect for wearing while traveling, or even on your way to work! You can wear them over your office uniform and a pair of sexy heels.

The Little Black Dress

The Little Black Dress (or LBD) can be worn for many occasions—you can wear it to weddings, work meetings, dinners, and parties! This is the ultimate must-have fashion piece for every woman and is definitely worth the money. You can add some modern tweaks to keep up with new fashion trends such as pairing it with edgy boots or textured tights, dressing it up with a classy scarf or a simple cardigan, or just by wearing some accessories to make it look unique and brand-spankin’ new every single time you put it on.

The Sexy White Shirt

Wear it with jeans, tights, shorts, under a boyfriend blazer, or a cardigan—there are a million ways to wear a white shirt! This is a piece that you can literally wear wherever, whenever, as it goes with almost everything in your closet. Choose a quality shirt with a good fit to emphasize your curves. If you want to add that extra oomph to your outfit, pick a shirt v-neck shirt with a lower-than-your-regular neckline to get a little cleavage going.

Basic Black Pants

Even before reading this, you probably already have a pair or two of black pants lying in your closet. Who doesn’t, right? Black is a neutral color that complements almost every other color you can think of. Mix and match with different tops, shoes, and other accessories for every occasion.

A Chic Scarf

A scarf is the perfect addition to almost any clothing you own. It can either be worn as a shawl or wrapped around the neck. You can even wear it as a hair accessory! It can make your outfit look casual or add a little more sophistication—whichever effect you’re going for. Stylize your simple outfit with a chic scarf and you’re good to go.

A scarf is the perfect addition to almost any clothing you own. It can either be worn as a shawl or wrapped around the neck. You can even wear it as a hair accessory! It can make your outfit look casual or add a little more sophistication—whichever effect you’re going for. Stylize your simple outfit with a chic scarf and you’re good to go.

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3 Christmas Card Design Options

When Christmas rolls around, if you mail cards to your family, friends and other loved ones, it means that it is time to pick out that year’s design. While traditional Christmas cards are beautiful, in tune with the season and sentimental, there is no reason why you cannot have fun with them, too. Texas christmas cards, for example, are fun, festive and unique. If you are a Texas native, show a little Lone Star state pride while also celebrating the holiday.

Here are three more Christmas card options you may consider.

Family Picture

The family picture Christmas card has been a popular alternative to the pre-printed, store bought card option for numerous years. The evolution of the family picture is probably what keeps this selection a top choice. Outdoor family pictures add a natural element to their beauty, and the scenery selections give them a genuine vibe. Plus, families who stick to this card-type allow their loved ones to see the evolution of their family from new additions to the graceful aging of their members.

Favorite Teams

A Christmas card wishes the recipient a joyous holiday season. It acknowledges their existence and reminds them that they are an important part of your life. The card is also an opportunity for the sender to say a little about themselves without words. If you are a big sports fan who has a particular favorite team, chances are high that your favorite franchise sells Christmas merchandise, including cards. Purchasing a box of team-themed cards helps the team’s merchandise sales, and if you send them out early enough, can drop gift hints to those who may not know what gift to secure for you this time around.

Original Art

For those who are creative, Christmas cards present an easy opening for original art. Even if you decide to do a run of one original piece for all of your cards, it is still a card that you designed yourself. Not all recipients keep their cards, but they are appreciated when they arrive, and an original design may earn its way into a frame that is hung in their house.

The Christmas-card giving time of the year can be fun. If you give yourself time to pick out a an expressive card, it is worthwhile. Some card considerations include a family picture, favorite sports team or an original art piece.

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Guide to Choosing the Best Car Insurance Plan

Most people take time to shop around before buying a vehicle, but few use the same level of care when looking for car insurance rates Sacramento. Neglecting to thoroughly compare different companies can leave you paying too much for too little coverage.

The goal should be to get the best coverage for your needs. Below are a few things to consider when shopping for your next insurance policy.

What is Good Vehicle Insurance?

Getting a low price on vehicle insurance does not automatically mean you have the right amount or type of coverage. Instead, not paying a significant amount of money out of pocket after an accident defines “good” coverage.

With the right insurance provider, you feel assured that the financial costs after an accident will not sink you. Also, each month paying a premium, you know you are not overpaying. Comparing what different providers offer with what you need can help you choose good coverage.

Choosing the Best Coverage for Your Needs

The first factor in choosing the best coverage is making sure what the provider offers complies with California laws. Additionally, you will need to satisfy the requirements of your leaseholder or lender. Protecting your assets is another factor in getting the best coverage.

Talk to the insurance provider or a reputable agent to determine how much coverage and the types you will need. Typically, most policies for vehicle coverage include:

  • Comprehensive
  • Collision
  • Medical and funeral services
  • Rental car reimbursement
  • Towing and labor
  • Uninsured/underinsured motorist

Shop Smart for Your Next Policy

Shopping smart begins with understanding that different insurance providers have different premiums even when they have the same vehicle coverage. What makes one stand out above the other is the level of customer service. Insurance industry ranking is another consideration. A strong rating increases the likelihood that the company can pay if you need to file a claim.

Shopping smart does include paying close attention to the monthly cost for having the policy. Knowing which discounts an insurance provider offers is one way to save on the monthly premiums.

Any insurance company with a high number of customer complaints could indicate the company frequently violates policy or a statute.

Researching when looking for good car insurance quotes goes beyond how much you will pay. A combination of stellar customer service, great coverage and the best rates is better than what you may save with a low premium. Be informed about what is available and strive to get the best deal.

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6 Unusual Ways to Get Fit

Getting fit is often associated with hitting the gym and working up a sweat. However, not everyone enjoys going to the gym, and the sense of dread can inhibit workout progress and make it more difficult to reach fitness goals. If you’re looking for a way to get fit without going to the gym, try these unconventional workouts.

1. Yoga

Yoga can be done in the comfort of your own home with just a mat and some comfortable workout attire. You can purchase instructional videos that will teach you how to do each pose correctly. These poses will help you increase your flexibility and improve your muscle tone. Doing yoga can also improve your breathing and put you into a better state of mind.

2. Trampoline Workouts

Trampolining offers another workout alternative that allows you to get in better shape while having some fun. All the jumping and bouncing that you’ll be doing will help strengthen your leg and core muscles and burn calories. It’s best to use a large trampoline for your workouts so that you’ll have an easier time bouncing without getting injured. If you aren’t able to put a trampoline in your yard, there might be a trampoline center in your area that includes multiple bouncing apparatuses.

3. Trail Hiking

You’ll be able to enjoy the fresh outdoor air and improve your cardiovascular fitness by taking hikes along wilderness trails. Hiking on trails that have hills will give you even better workouts and can increase your endurance. If you’re hiking in the winter, wearing a pair of slip on ice cleats will provide greater stability while trekking along icy and snowy terrain.

4. Fencing

Fencing is a great workout for your legs and abs and can also help you develop better balance and coordination. You can find a fencing center in your area that offers classes and pairs you up with opponents for some safe combat. You’ll be using foil, épée and sabre swords to try to outwit your competitors and score points. Head-to-toe protective gear is worn to prevent injuries.

5. Paddle Boarding

If you live near a lake or another body of water with safe swimming conditions, paddle boarding can be a great exercise. You’ll develop a better sense of balance while burning calories and working multiple muscle groups. One of the biggest advantages to paddle boarding is that it’s a low-impact exercise, which means that your joints and ligaments won’t have to endure as much strain.

6. Ice Skating

Ice skating can be done throughout the year, and you probably live near an indoor ice rink that has public skating sessions on certain days of the week. Ice skating is one of the most beneficial lower-body exercises. You’ll also be burning calories as you glide across the ice. If you eventually want to start doing more advanced forms of ice skating, you can enroll in a local hockey club, take figure skating lessons or try speed skating.

Doing any of these workouts will help you reach your fitness goals while giving you the opportunity to try something new. You’ll likely forget that you’re even working out when you partake in any of these fitness activities.

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Quick Guide To Designing Your Online Store

In most cases, the website you create can make or break your e-commerce or online store, and this happens whether you have been around for long, or a startup company.  That is why it is important to consider several things first when it comes to designing it.   Here are tips you need to consider.

The Visual Aspect

What comes to mind when you say visual? When it comes to websites and business, it should be the color, layout, and pictures placed. Let us talk about the layout first. This includes the alignment, the continuity, and even the font of your website. You may think that it doesn’t matter, but not taking care of this will make your home page cluttered, thus potentially turning away your clients.

Next is the color. Does it relate to the overall theme of your store? Color can be a bit tricky, but always remember that when it comes to web designing, the fresher it is to the eyes, the better your clients will see the products. This brings us to the next visual aspect, which is the picture you place there. Anything grainy, blurry, and does not represent your products should be eliminated. By employing the best images, you are ensuring that your clients are getting the best shopping experience.

Categories Are Essential

You cannot just dump everything in the homepage. There needs to be a separate tab for each type of product, and categories can help you there. Using proper labeling or categorization, you are allowing your customers to explore easily, so do not forget to put your item in the right place.

Easy Shopping

Having a mobile-friendly design is vital. As people use their phones to buy stuff nowadays, you have to cater to these types of clientele as well. The good news is there are a lot of applications that will turn your website into a mobile platform easily without you spending a cent. Take advantage of it.

That is basically the things you need to take note of when designing your online store. Sure there are a lot to consider, but you have to start somewhere right? If you find yourself having a hard time, there are always professionals who can help you.

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