A payday loan is a small short term loan you can use to cover expenditure until your next payday. You can apply online and the decision to loan you the money is made almost straight away. In most cases the whole application can be completed online and the money loaned can be credited into your bank account on the same day as you make your application.A payday loan is an unsecured loan, so it is not dependent on collateral, such as you owning a house or car etc.Generally when you make your first application you can borrow any amount up to £300, depending on your take home pay. You are more likely to be approved the less you want to borrow, so it is advisable to borrow only what you need. Once you have successfully repaid loans with one particular company they may then offer to lend you anything up to about £750 in subsequent loans.Payday loans can provide a useful solution for short term cash flow problems.Who can apply for a Payday loan?In order to be eligible for a payday loan you must be over 18 years old and in employment with a take home wage of at least £750 per month. You must also have a bank account with a valid debit card.Even if you have bad credit history you should still be able to obtain a payday loan as long as you fulfil the above criteria.How do you get a Payday loan?The majority of payday loans are available online, so there is no delay with faxing or posting of documents. The application process is quick and easy to complete. You will be asked for your name, address, details about your monthly income and employment, when your next payday is, along with the amount you wish to borrow and your bank account details.Once you have submitted your application you should hear back from the payday loan provider within minutes. They will email you with their decision to the email address you have registered with your application.Payday loan providers partly make their decision as whether to lend you money dependent on the amount you want to borrow compared to the amount you earn. Only borrow what you need, the less you borrow the more likely that your application will be accepted and the smaller the amount of interest you will accrue.If your application is successful you will be sent, by email, your loan agreement showing the amount that will be lent to you, the repayment date and the amount of interest you will pay on the repayment date. Along with the loan agreement you should also be sent loan conditions. These loan conditions should outline your rights under the Consumer Credit Act 1974 along with details about repaying the loan, cancelling the loan and the use the personal information you supply when applying for the payday loan.If you are happy to proceed you sign online by providing details of your name and answering a security question such as your mothers’ maiden name. Then, email this back to the loan provider and the money will be deposited into the bank account you registered at the application process. The money can be deposited in your bank account on the same day you make the application, so this is a very fast and efficient way of borrowing money short term.How do I repay the loan?You will need to repay the loan amount and the interest accrued on the repayment date as specified in the loan agreement. The repayment date is usually your payday, hence the name payday loan.The repayment will be collected by the loan provider by debiting the bank account you registered at the application process, which is the bank account into which you get your wages paid.Repayment over a longer periodPayday loans may be extended if you find yourself in a position to be unable to satisfy all or part of the amount due on the repayment date. If this happens it is recommended that you contact your payday loan provider as soon as possible and explain your circumstances to them. They will then be able to explain your options and how to go about extending your loan.Even if you are not able to fully settle the repayment amount, it is advisable to pay off as much as possible on the repayment date. This will help to keep the amount of interest you owe to a minimum. Some companies may charge you additional fees for extending your loan, you should check if this is the case before you sign your loan agreement.Regulation of Payday Loan CompaniesProperly regulated payday loan companies must adhere to strict laws governing the finance industry.As with any financial product you apply for it is always advisable to check that the company offering the loan is properly regulated. The payday loan company you are applying to should show its Consumer Credit Licence number within its loan conditions and it should also be authorised by the Office of Fair Trading. If you are in any doubt as to whether the payday loan company you are considering applying to is fully regulated then you are within your rights to contact either of these bodies for further information.As long as the payday loan company you are applying to is properly regulated, there will be a recognised body to make any complaints you may have to and you can be assured that you will not be subject to any unfair practices.What are the benefits of a Payday loan?FastOne of the main benefits of a payday loan is the speed at which the cash can be credited to you. The money you need can be available to you in your bank account on the same day that you make the application. This can provide valuable assistance if you have a short term cash flow problem and need money in an emergency.SimpleThe application process is very simple, it takes just minutes to apply for a payday loan and you do not have waste time posting or faxing documents to the payday loan provider, as you would with other more traditional high street loans.Poor Credit HistoryPayday loans are available to people with a poor credit history. This is because payday loan companies do not solely make their decision to lend based on a persons credit history. As long as you fulfil the application criteria you have a good chance of obtaining a payday loan. For many people a payday loan may be the only way they are able to obtain credit, especially in the current financial climate where the majority of lenders are unwilling to provide loans altogether, never mind to a person with a poor credit history.Use of the Loan MoneyYou do not have to tell the payday loan provider what you need the payday loan for. You can use the money for whatever you want. You may need money in an emergency which can not wait until payday for instance; emergency medical or dental treatment, to settle a bill quickly, extra spending money on holiday or even for a romantic weekend away. The choice is yours as long as you make the repayment due on the repayment date.No Upfront CostsThere are no upfront costs associated with a payday loan. You do not pay anything back until the repayment date you have agreed to in the loan agreement.Why does the APR appear high on payday loans?The APR applied to payday loans appears at first glance to be high. This is very misleading, but there is a simple reason why this figure looks so high. APR is an Annual Percentage Rate, and as such is calculated over a whole year (365 days). However, a payday loan is taken usually only over a number of days or weeks.The APR calculation was not designed to apply to very short term loans such as payday loans. It was designed to apply to long term loans in existence for a year or more. It is really a theoretical figure than enables people to compare similar longer term loan products, like mortgages or ongoing credit balances.Rather than relying on the APR rate it is more advisable to look directly at the loan agreement to see exactly how much interest you will be charged for the period of your payday loan. Some companies have a standard interest charge for the amount you wish to borrow regardless of the duration of the loan. It is then up to you to decide whether you will be able to repay both the cash advance you receive initially and the interest amount on the repayment date.To ConcludeMany people do not have savings or access to credit cards or more traditional loans and so the convenience of a regulated payday loan provides piece of mind should the occasion arise that they need some money quickly.If you need money in a hurry, can not wait until payday and are confident that you can make the necessary repayments on the repayment date, this could be the ideal solution for you.Overall, payday loans are convenient, easy to access and offer a viable option for people who require money quickly for whatever reason.
Everything You Ever Needed to Know About Payday Loans But Were Afraid to Ask
Business Marketing on Mobile – The Latest on Mobile Marketing and Advertising
The world we live in gets easily bored and craves novelty. Smart marketers look for new ways to put a twist on old standby marketing and advertising techniques. Marketing through television and radio channels has been done to death and has more nuisance value than anything else as far as the audience is concerned.For marketers seeking new ways and means to expand their reach anywhere their prospects are — the future is here. Smart marketers and advertisers create a personal touch in their ad campaigns. This is one of the reasons why mobile advertising is rapidly increasing in popularity as an effective marketing tool. And the astonishing use of mobile devices leveraged this trend.There are over 1.5 billion mobile phone users worldwide according to the International Telecommunications Union with the highest growth percentage coming from emerging economies like China, Russia and India. The US has about 200 million mobile subscribers. Smart marketers are tapping into the potential to reach their prospects as they’re on the move. Mobile devices are practically a permanent attachment for people under age 34.Mobile Advertising is delivered in a number of formats. Text messaging, mobile internet advertising and mobile radio advertising are some of the common advertising formats. Out of these, text messaging (SMS) is the most widely used format.According to the joint Mobile Advertising Report (MAR) released by Limbo and GfK Technology, text message usage is about 74% in India, 48% in the UK and 22% in the US. Projections predict in the near future mobile internet advertising will surpass text message advertising (FierceWireless).In June 2008, Nokia launched the Nokia Advertising Alliance that aims to make mobile advertising easier for advertisers. This particular program includes services like providing marketing strategies, geographic targeting and related technologies to enhance customer captivation. Now advertisers can work in conjunction with Nokia to expand the coverage of mobile advertising with emerging mobile technologies for more powerful ad promotions.The best part about mobile marketing is mobile devices are more heavily used than traditional PCs. Mobile advertisements are delivered to the customer no matter where they are. Even with these advantages, mobile advertising is still in its “early adopter” stages with a long way to go. The main obstacles are in the form of data tariff structures, handset and mobile internet interactivity and quality of subject matter.Like the early days of the Internet, there are more advertisers than quality content. Add to that an acute lack of tools to assess the performance of mobile ad campaigns. Even though most of these difficulties will be solved in the future, mobile advertising will still face competition from other advertising and marketing methods. Google, Microsoft and Nokia are the prominent players in mobile advertising. The future holds a huge potential in terms of revenues from mobile marketing spend..According to a report released by Informa Telecoms & Media, it is estimated that marketing on mobile will generate USD 1.72 billion in 2008 and will rise to USD 12 billion in 2013. The report also advocates the use of banner ads as an effective tool in mobile advertising. The report highlights the significance of focusing on the long run and not the short term stumbling blocks.Yahoo jumped on the bandwagon in June 2008 when it partnered with Publicis to integrate Publicis mobile advertising agency (PhoneValley) with Yahoo’s mobile developer platform language (Blueprint). The partnership is aimed at developing brands, reaching customers and maximizing sales through new techniques. It also aims to initiate cutting edge advertising strategies in the future.Since the potential market for mobile advertising is huge, a few companies are exploring new horizons and expanding in new territory. For example, Millenial Media Inc., is venturing into Europe, Africa and the Middle East. Millenial develops ads for cell-phones and mobiles. Its CEO Paul Palmieri says “There is a tremendous growth opportunity for advertising on mobile on a global basis, as evidenced by a rich and active mobile direct marketing industry, as well as surging demand from top brand advertisers.”The media industry and brand advertisers are slowly catching on and making use of mobile advertising to increase market penetration. Mobile advertising has added support from applications like ringtones and pictures. Bluetooth advertising is also growing in popularity. Here, a company can advertise its products or services over a fixed area.The three major search engines: Yahoo, Google and Microsoft have already realized the potential and the possibilities of the mobile advertising market. MSN uses banner ads on MSN mobile pages. Earlier MSN’s mobile advertising was confined to countries like France, Japan, Spain and UK. Recently it expanded coverage to include the US. Google also launched mobile image ads. When the cell phone browser is opened these image ads are displayed on the screen. However, the ad size is much smaller as compared to those for web pages. These image ads are connected to a web page and they follow the price-per-click model Google AdWords uses.Advertising on mobile is one of best forms of mass medium advertising. It’s personal, and has a wider reach than any other form of advertising. It’s still early to comment on exactly how big or how successful it will prove to be. However, by all indicators “the future’s so bright you gotta wear shades.”The predictions about the future revenues generated through mobile advertising optimistic. A brand advertiser, a mobile advertising company and the consumer will have different perceptions of mobile marketing. However, advertising on mobile also comes with its fair share of drawbacks. Mobile ads are sometimes viewed as another form of spam and the advertisers as spammers. To resolve this issue, there are programs developed to give subscribers free talk-time for performing certain activities related to viewing ads. As far as the opinions of consumers are concerned, it’s a mixed bag. This is because people are simply not accustomed to being paid to view ads. Even if they are paid to view them, many still view the ads as a nuisance. It doesn’t make sense for the advertiser to pay a consumer to view ads if there are no conversions.
Shoe Repairs And Several Other Things When I Was 7
Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!
He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.
But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.
Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!
Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.
We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.
Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.
Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!
But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.
Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.
Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.
And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.
All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.
He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.