End Your Money Worries With a Payday Loan?

Money BagHas the state of your finances taken a hit during the recent recession? If so, then you are not alone, as more people than ever are really struggling to pay the bills and make ends meet.

Unfortunately, this recession shows no signs of getting better anytime soon, as experts warn that things could get even worse over the coming years.

To make matters worse, most of the traditional lending outlets such as banks are tightening their belts, which means they are not loaning money like they used to.

So just what are you supposed to do if you want to ease the financial pressure and end your money worries? Well, one option is to take out a payday loan, as you can get quick money into your bank account by just filling out a simple application form.

The good news is that payday lenders have really cleaned up their act in the last 10 years, and they are now seen as legitimate companies who play by the rules.

In fact, payday lenders are quickly becoming part of the mainstream culture, with their advertisements playing on the television everyday and sponsorships of high profile sport teams.

Put simply, if there is any doubt in your mind about whether or not you can trust payday loan lenders, then you can relax, as they are extremely trustworthy and are definitely here to stay.

By now you may be wondering what the criteria is to be accepted for a payday loan? Luckily, the criteria is minimal, as you don’t need to give a lot of information on the application to get approved.

All they need to know is your current employment status along with the details of your bank account. That’s it. Payday lenders don’t care if your credit history is less than perfect or how many loans you currently have.

So what happens if you are not in full-time employment? Although this situation is less than ideal all is not lost. You see, payday lenders will also consider your application if you are self-employed or on benefits, which means your chances of getting the cash you so desperately need is quite high.

Once you are approved for a payday loan then you can expect to see the funds in your bank account within a matter of hours. Lenders understand that you need fast cash, which is why they won’t leave you hanging around for days on end waiting for a deposit.

As soon as the funds are in your account then you are free to do with it what you wish. You can use it straight away to pay some bills, do the weekly shop, or even get some much needed repairs sorted out.

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Buying a Car? AVOID These 5 Common Mistakes!

new carNo matter if you are looking to buy your first car or you are an experienced driver, there are many car buying mistakes out there that you need to be aware of. Ignoring this could cost you hundreds, or even thousands of dollars, so make sure you pay very close attention to the information below.

5 common mistake when buying a car:

Not thinking about all of the costs

Before you sign that contract at the dealership, have you really taken into consideration all of the costs? Most people don’t, and this is why they end up struggling with repayments. Factors such as car tax, fuel costs, repairs and getting cheap auto insurance should always be at the forefront of your mind.

Not negotiating the monthly payment

If you are like the majority of car buyers then you will be looking to pay for your car monthly rather than in one lump sum. However, did you know that the dealership is often very flexible in the monthly payment plans they can offer, which is why you should always negotiate to get yourself a better deal.

As an example, you could get a better interest rate or even an “interest free” period to make the repayments easier.

Buying a brand new car

This is quite possibly that biggest mistake when buying a car, but yet every year millions of people continue to do it. The simple fact of the matter is that a brand new car depreciates in value extremely quickly, and within 2 years you could struggle to sell the car for half of what you paid.

This is why it’s a much better idea to buy a car that is around 2 to 3 years old. Not only will you pick up a bargain, but the car is still fairly new which means you won’t have to spend a lot of money on repairs.

Getting the wrong model

Ask yourself this question…do you really need an SUV with 10 seats and off-road capabilities when you are a single person who uses the car for commuting to work and grocery shopping? Probably not, and this is exactly why you should think carefully about what kind of car model is right for you.

Buying a car that you don’t need

These days there are many different transportation options for you to consider, which means buying a car might not be the right option for you. In many cities public transport such as trains, buses and trams are a great way to get to and from work, or you could even buy a bicycle and cycle everywhere. Definitely much cheaper than running a car.

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4 HUGE Mistakes to Avoid When Claiming PPI

mistakeIf you are one of the millions of people about to make ppi claims during the next 12 months, then you should read every single word in this article very closely.

It’s a sad fact of life that many people never get the compensation they deserve from those nasty banks, mainly due to the fact that they make HUGE mistakes that guarantees their failure.

Fortunately, you don’t have to become another victim, and by avoiding the 4 mistakes below you will almost guarantee a successful outcome to your PPI case.

Listening to fake gurus

There are a few fake gurus out there that seem to have convinced the UK population that they know everything about PPI. They don’t. Despite what they say on their websites and on the the television, they are actually pretty clueless, which means many people are getting just downright bad advice. Ignore these people at all costs.

Using a PPI template letter

One particular “guru” spends most of his time talking about using PPI template letters to magically get the banks to comply with you. At the end of the day, this is just a ploy to get you to visit his website, and in reality, a PPI template letter is about as valuable as a fur coat in the Sahara. The banks laugh at these letters, chuck them in the bin, and then pay themselves another bonus with your money.

Not using a PPI claims company

Instead of wasting your time downloading PPI template letters and messing around trying to communicate with the banks, it’s a much better idea to just hire an expert to work in your corner.

Know this: a PPI claims company will look closely at your case, contact the banks on your behalf, negotiate a much higher payout then you could do yourself, and do all of this in the minimum amount of time possible. All you you need to do is relax, put your feet up and think of England. No brain power necessary!

Paying a PPI claims company upfront

Don’t be tricked by rogue PPI claim companies that try to get you to pay an upfront fee to use their service. This is a scam, and if you fall for it expect to find yourself out of pocket.

A legitimate company will only expect to be paid once they have won your case. In other words, they’re motivated to get you real results, instead of just messing you around like some con artists out there.

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How to Get Revenge With The Help of a Personal Injury Solicitor

lawyerIf you have been involved in an accident and somebody else was at fault, then you are no doubt looking to get revenge. 500 years ago this would have involved challenging the person to a duel and then taking his Oxen as compensation if you won.

However, these days such behavior is typically frowned upon, which means the only way to get compensation is to hire a personal injury solicitor.

Here are some factors to look for when choosing a personal injury solicitor…

Are they professional?

Let’s face it, anybody can throw up a website and call themselves a personal injury solicitor, so it’s extremely important to make sure you dealing with a professional company who are in this for long term.

Usually, it’s pretty obvious who is the real deal just by visiting the website and having a look around. If they have a well designed site, all of the relevant contact details, and a lot of good information offered for free, then you can feel confident in taking the next the step.

One company that ticks all of the boxes is CCS, and interestingly, they have been receiving rave reviews from people who have received thousands of pounds in compensation. To find out more about compensation claims solutions – read more on their website.

Do they charge fees upfront?

Quite possibly the oldest trick in the book used by scammers and crooks is charging you an upfront fee for their services, and then disappearing into the night leaving you a few hundred pounds lighter. Don’t fall for this con!

Instead, only hire a personal injury solicitor that works on a “no win – no fee” basis, and is more than happy to accept payment for their services once the case has been won and you have the compensation money in your bank account.

At the end of the day, this puts virtually no risk on your shoulders, and if the case falls through then you haven’t really lost anything.

Do they specialize in your injury?

Let’s say that you have whiplash due to a forklift accident at work, don’t you think that you would have a better chance of success if you hired a personal injury solicitor who has many years of experience getting compensation for people who had whiplash due to a forklift accident at work?

Of course you would, and this is why you should always look for a solicitor who specializes in the type of injury you currently have.

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5 Quick Tips For Slashing Your Expenses

chartThere is nothing worse than that feeling you get when your bank balance is in the red. If you currently have a negative net worth, and you find yourself living paycheck to paycheck, then you are probably looking for a way out?

It all starts with slashing your expenses, as this allows you to free up money so you can get yourself back into the green.

Here are 5 quick tips for slashing your expenses:

Switch to Cox Cable

Let’s face the facts here for a minute. Cable TV costs are on a steep rise, and if the cable companies are not careful they will end up pricing the average man and woman on the street out of the market.

Luckily, not all companies are in this to squeeze every last drop of profit out of their customers, which is why you might want to consider switching to Cox Cable in Virginia to make some serious savings.

Magazine subscriptions

Do you really need those magazine subscriptions? At the end of the day, there are plenty of magazine style websites out there, with all of the latest news and gossip, and best of all they are completely free! Ditch the magazine subscriptions in order to slash your expenses.

Cancel the gym membership

Be honest with yourself here, how many times have you actually been to the gym since signing up? If you’re like the majority of people then you can probably count your visits on one hand. Don’t feel bad though, as canceling the gym membership is a straight for ward process, and it is an excellent way to free up money and get rid of another unnecessary expense.

If you still want to get in shape, then why not buy an exercise bike for your home? This is only a one-off payment, and it will give you years of service.

Cut your own hair

It might sound extreme, but millions of women are now cutting their own hair in a bid to (literally) slash their expenses. Make no mistake about it, visiting the hairdressers is an expensive luxury these days, which is why cutting your own hair is such a good idea.

Get a quality pair of scissors and make sure there is adequate lighting in the room when standing in front of the mirror. Cut away until you get the style you want.

Quit smoking and drinking

While you might enjoy a smoke and a drink, there is no denying that it is bad for bank balance (as well as your health). For this reason, if you really do want to slash your expenses, then it’s probably time to quit smoking and drinking for good.

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5 Factors to Consider When Comparing Auto Insurance

car graphicIf it is your aim to get discount auto insurance then you should always compare companies and gather a wide range of quotes.

Thanks to the internet, this whole process is made a lot easier, especially if you use a comparison website or hire an online broker to do all of the hard work for you.

Here are 5 factors to consider when comparing auto insurance:

Type of auto insurance

Before you go any further, it’s essential to understand what type of auto insurance you are looking for. As an example, there is third party insurance, third party and theft insurance, and fully comprehensive insurance. Don’t start comparing auto insurance until you know exactly what you want, as this helps to narrow down your search.

Insurance bundle deal

Did you know that many insurance companies now offer bundle deals to help you get huge discounts? This means that if you were to bundle your home, travel, life, health, and auto insurance together, then you would probably be looking at saving hundreds of dollars every single year. Don’t start comparing auto insurance until you take this into consideration.

Ask for a discount

If you are thinking of jumping ship and swimming away from your current auto insurance provider, then before you start comparing quotes offered by other companies you might want to ask for a discount. Simply tell them you are looking elsewhere because the current policy is too expensive, and you might be surprised to find them offering you a discount to try and persuade you to stay as a customer.

It’s not always about the price

While getting cheap auto insurance is important (especially in this economy), you must understand that it’s not always about the price. As an example, you could sacrifice a lot excess in order to keep your premiums low, but if you happen to be involved in an accident then you will have to pay a lot more out of your own pocket. Definitely something to think about.

Customer service

Something that not many people think about is the level of customer service offered by an auto insurance company. Let’s say that you have just been involved in an accident and need to contact the company fast, what happens if you can’t get through to anybody? Many of the cheaper insurance companies do not make customer service a main priority, so you should keep this in mind when choosing a provider.

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Claim Compensation by Choosing The Right Personal Injury Lawyer

law scalesAt some point in your life, you or someone in your family will have the need for a personal injury lawyer. No matter if you have been involved in an accident at work, slipped in a public place, or want to file medical negligence claims against a hospital, the right personal injury lawyer can help you get maximum compensation.

But how do you go about choosing the right personal injury lawyer? Unfortunately, there are a lot of con artists out there, who will only waste your time and take your money. Avoid these scammers by following the tips below…

Specialization is key

At the end of the day, it’s a waste of time to hire a lawyer who specializes in divorce law for your medical negligence case. Sure, they might know a bit about this area, but when it comes to the crunch you need someone who has a vast knowledge about the subject.

How long have they been in business?

Ideally, the personal injury lawyer you hire should have been in business for a number of years, and most importantly, have won a lot of cases for clients similar to your own situation. Ask to see testimonials from satisfied clients, and also do some research on the internet to see what people are saying about the company.

Large or small company

Just like any industry, personal injury lawyers come in all shapes and sizes. You have the small independent lawyers who are typically only a few people strong, and then there is the large national companies that have an army of solicitors working day and night.

Which option you go for mainly comes down to your own personal preference. For example, if you prefer the personal touch, then going with a smaller company is the best way forward.

What are their claims?

You will find some personal injury lawyers making claims such as “guaranteed compensation” and “money in your bank account within 7 days.” While it is easy to be enticed by these kind of claims, the simple truth of the matter is that they are completely false.

Know this: no solicitor can guarantee you anything, and when it comes to the subject of personal injury the wheels turn very slow. In other words, it might be a while before you see any compensation, if you see any at all.

Conclusion

Hopefully the above information has given you a better idea on how to choose the right personal injury lawyer for your case.

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Prepare Your Home For The VICIOUS Alberta Winter (Save Money as Well)

winter treesThe Alberta winter is known to be unforgiving and it regularly causes misery to millions of homeowners around the state. Unless you can just bury yourself in the snow like a bear for a few months, then you will have to prepare your home for the vicious Alberta weather, so you are ready to face the cold snap head on.

This is especially true if this is your first time experiencing an Alberta winter. You might think that just a bit of snow is harmless and nothing to worry about, but we can assure you that if this is your line of thinking then you are in for a nasty shock.

In all honesty, you could find yourself under a blanket of snow for months on end, and when the snow storms start to get nasty, expect to use a lot more energy than usual and even find damage around your property caused by the bad weather.

Ultimately, this will hit you in the wallet hard, but by putting in the proper preparation beforehand, you might just end up smelling of roses in time for spring.

The only good thing about Alberta winters is that you don’t have to worry about being attacked by bears, and if you’ve ever come face to face with a grizzly bear intent on grievous bodily harm, then you will realize that this is a good thing.

Prepare your home for the Alberta winter:

Compare energy providers

Smart Canadians always compare energy providers right before the winter sets in, so they can be 100% sure they are getting the best deal. One company well known for offering extremely low rates is Epcor Energy in Alberta so you might want to give them a try.

Stock up on food

When the worst happens (and it does happen a lot), you won’t be able to leave your house for days at a time, especially if you live in remote Alberta miles away from the nearest town. For this reason, make sure you stock up on food, buying lots of tinned items and things you can store in the freezer.

Insulate your home

Don’t leave it until winter to improve the insulation in your home, because by that time it could be too late. Instead, get everything sorted a few months in advance, so your home is prepared for the cold weather.

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