my personal payday loan story that can help youthe term payday loan starts with the letter “p” which is the same letter that starts off the words pain, penalty, poor and poverty. Both the internet and the physical world are full of places where you can get a loan with bad credit, no credit check, and no employment verification but what these modern day loan sharks don’t tell you is that their interest rates are so high that one day you may end up with the payday loan mafia coming after you!Sure, these loans look very attractive to those in financial need that are unable to get a loan by conventional means but when the facts are presented what you have to pay back just isn’t worth it. This fictional character that we all refer to as “guido” which is the person that comes to break your arms and legs when you don’t pay a loan shark back is in existence in a different way when it comes to payday loans. Instead of your arms and legs the payday loan guido comes after your heart, soul and peace of mind.Payday loan places make their offerings look so attractive but it is all an illusion because who can really see when they are desperate? What you don’t want to happen is for what appears to be a temporary solution to become a long term problem and many times that is exactly what happens.I’ve been caught in the payday loan otherwise known as payday advance web many times. Sometimes life’s circumstances leave us very few choices and we decide to do what we feel like we have to do to buy gas and put food on the table. Like I said, i’ve been there before and as a survivor of payday loan debt I have knowledge that can help you.I want you to ask yourself a question which is, “if you don’t have enough money to get by what makes you think you can payoff a loan with 300%- 700% interest?” You might as well sell your first born child. Payday loans may seem good in the short run and you may get instant gratification and even a rush when you hold that cash in your hands or see it in your bank account but in the long run it is a race that many can’t win.My story, like many, was that I obtained payday loans to cover immediate expenses I needed cash for but didn’t have money to pay the loans back so I got extension after extension paying out ungodly amounts of money. Before long I was getting new payday loans just to pay the other payday loans I had received. I was trapped in a vicious cycle with no way out and a ton of stress upon me. I became a needy fly caught in the payday loan web, especially since most of my loans were online loans; I was literally in a virtual web. The payday loan spider sucked the life blood out of my bank accounts and I didn’t know what to do.Please understand that you can’t solve a problem with a problem and you can’t come out debt by creating more debt. The solution to your debt starts with gaining additional income sources and paying off existing debt little by little so you can be free. In my own personal payday loan crisis I got up to almost $7, 000 worth of payday loans and when renewal payment time came my entire paycheck was gone. This is a miserable experience that I pray you can avoid. You might already be at this state but even if you are I have some suggestions for you that will offer hope.The first thing you have to do is to make a conscious decision to get out of this situation. Decide to change and become a butterfly rather than a fly caught up in the payday loan web. When a caterpillar is going through the metamorphosis in the cocoon in order to become a butterfly there is a struggle. The struggle is in fact what makes the butterfly great because the struggle to get out of the cocoon transformed actually pushes fluid from the butterfly’s body into its wings so that it can emerge in beautiful flight. This process may be a little painful but it will help you fly and be what you were made to be.One thing that I did was to become an affiliate for payday loan companies so that I could get paid from other people acquiring payday loans. Some people are just going to get them so there is no reason why you shouldn’t get paid from the process that made you pay so much. The second thing I did is what really helped me which was to get a payday loan consolidation company to take on my debt at a reduced amount and pay the payday loans back for me on my behalf. It was one of the best choices I ever made and it was a way out of the payday loan web.You can do a Google search to find companies that will represent you in this way but do your research and make sure that the company you choose is credible. I used pdl assistance, inc. They require an upfront fee to take your case but they will work with you on paying it and it is around $200. Next you set up a plan to pay them a monthly amount on your payday loan debt and they pay your debtors directly. They will give you different term options to pay the debt off and they will deal with the payday loan companies for you. Doing this took a huge weight off of me. I got a 12 month term to repay my payday loan debt at 35% of what I owed the payday loan companies. The $400 a month I was paying on this plan was much better than the $700 plus every two weeks I was paying for all the loans I had.One important thing to know when you start a payday loan consolidation program is that the payday loan companies are going to call you to collect. When they call just give them the information for the company that is representing you and let them know that the debt is going to be repaid to them as part of a loan/debt consolidation program you have initiated. I obtained the fax numbers to my payday loan companies and sent them notification on who to contact regarding the repayment of my loans. If you do this make sure to include your account number and social security number so they can properly locate your account.Some companies will continue to try and collect from you in spite of this so I have another suggestion if this happens. If you get numerous collection calls after you have informed them about your debt consolidation you need to fax and/or send them a cease and desist letter. You can get a template off the internet and submitting this letter will stop the collection calls while your debt consolidation program is in the works.Another tip is to close the bank account you have the loan fees being deducted from if possible. You will want to start a new account before you close your existing account and under no circumstances get payday loans under the new account. You have to treat the payday loan habit like an addiction. If you are going to stop it then stop it because replicating the mistake will only make things worse for you.If you need money then get bad credit credit cards and pay them on time to build your credit. Pay more than the minimum payment and use them to pay bills so you can pay what you need to pay while building your credit. No debt consolidation company can legally advise you to close your account but sometimes it is the only way to keep the payments from being processed and causing you hundreds or even thousands of dollars in overdraft fees. For me this was the easiest way because I had so many loans and it would have cost me a $25 fee for every stop payment processed plus the bank could have missed some.I also want you to know that the cease and desist letter can be used for any type of debt collection and not just payday loans. It is important to know your rights and you can find them out online at the federal trade commission’s website where you can learn about the fair debt collection act. You will learn what creditors can and cannot do regarding the collection of your debts and how to stop inconvenient and harassing behavior.I do not encourage anyone to get a payday loan because it can get out of control so easily. If you must get a payday loan be sure to get one with low fees well below the normal $30 per $100 borrowed.
Your Choices In Business Management Courses
Having a career which allows you to make advancements is a wonderful thing. One of the key elements in getting promotions in the business world is the level of education attained. Sometimes getting a promotion relies solely on the education of the employee. In the business world nothing looks better on your resume than completing higher training in your chosen field. It is possible to use business management courses to further your education and get that promotion which also comes with a raise.Businesses want to have qualified personnel. Not only does it make them look good, it increases the efficiency and profits of the company. When it is time for someone in upper level management to retire, the first thing most human resource offices look for is the education of potential replacements.Online courses can be used to get a degree in business management. These courses are taken when it is convenient for the student, which means it does not interfere with work. Employers also look favorably upon employees who do not mind furthering their education while still maintaining their responsibilities at work.Local colleges are also a good source to take management courses. Since most colleges offer evening classes, it is possible to get the extra education you need while maintaining your present hours at the office.Your local Small Business Association sometimes offers classes which are free or low-cost to participants. The SBA can point you in the right direction if they do not offer local classes, as they have plenty of business resources. Even though they primarily work with small business owners, they may be able to give supplemental training.Self study home courses are another way to train in business management. These are very flexible as you only work on them when you have time. Care must be taken when choosing one, because there are some home study courses which are not recognized as being accredited.If you work in the business world and would like to continue your education in order to get a raise or a promotion, you may want to consider looking into business management courses. It is a very convenient way to help give your career a boost, and take your life to the next level.
UK Education Industry – Wonderful Investment Opportunity
Universities in the UK have been an educational Mecca for students aspiring for higher education. However, with passing time the education system in the UK is lagging behind in the modern global setup. Many OECD countries are catching up with the UK’s education standards as the UK has not been able to raise its education standards with needs of time.
The education sector of the UK can be divided into three main categories:
• School Education
• Further Education
• Higher Education
An opinion poll commissioned by public universities clearly indicates that UK residents back investment in universities to maintain quality of research and teaching. The public clearly understands that high quality universities are important for the development of individuals, society and economy of the country. Universities heavily rely on external funding to provide high quality student experiences, deliver world class research and develop highly skilled graduates needed for the development of a nation. In a tight financial environment, the government is finding it tough to provide adequate funds to universities for their research activities and innovation in ways of learning.
In today’s economy, the importance of higher education extends beyond teaching. UK universities play an important role in the country’s economy. UK universities continue to enrich and impart knowledge and understanding to students globally. International students studying in the UK bring a large amount of revenue, equivalent to 3 billion pounds, to the country’s economy. International students are important for the success of the UK’s higher education system. They contribute approximately 8% to higher education budgets and also contribute to local economies through their off-campus spending. These students studying in the UK are likely to become political leaders, captains of industry and opinion formers of the future. These links play an important role for the UK in trade and diplomatic terms.
Twenty-five percent of immigrants to Britain are students and the number is bound to rise in coming years. The influx of international students is mainly the result of marketing efforts of higher educational institutions. UK universities fiercely sell their courses to international students. Each foreign students brings around 15,000 pounds in the way of fees and living expenses. UK universities continue to play an important role in an uncertain economy. International students pay full tuition fees while enabling universities to provide subsidized education to local students. In a scenario where government funding is felt inadequate, international students bring a bounty of funds that can be used by universities to improve their education and research standards to stay ahead in global competition.
UK universities now generate about 59 billion pounds and have left behind sectors such as agricultural, pharmaceutical, advertising and the postal industry. The importance of the education sector in the UK is increasing gradually. The focus of UK universities is research and teaching. Some universities are, however, research intensive and transfer knowledge to businesses and other organizations. This procedure is called knowledge transfer, and UK universities use expertise and the facilities of these business communities in return.
Governments in different parts of the UK are encouraging universities to seek private funding. Universities establish links with businesses and industries in several disciplines in long and short-term research. Some universities have also established regional consultancy agencies to foster ties with the industry. UK universities are expected to play a greater role in the UK’s knowledge-driven economy. The global completion and requirement of funds will push universities to look for alternative ways of funding in future.