Finance And Refinance .com

Loan til payday is an easy way to get some money, on really short term. There are hundreds of credit companies that offer this service.

If you ask for a loan til payday, maybe you are in the following categories:
- you need a loan to some stupid stuff
- you need the loan to buy something on short term, that anyway you would have bought it at the next payday
- you need to invest in something

If you move down through thew categories, then you’ve got my respect. I hate to see people that are stupid, they are enslave themselves, making loans for stupid things.  A loan til payday is good ONLY if bring some real added value, in terms of cash. if you take a loan til payday to spend it in mall, on chicks, clothes and vacations, then you deserve your faith.

A loan should ONLY be taken if you will invest it properly, not spend on stupid things. You know, there is a movie with Jim Carrey (Dumb and dumber). They had very few money and Jim Carrey partner said “don’t buy stupid things”. Ofcourse they spent all their money on jokes… This is very similar with a mis-use of a loan til payday. So be careful on what you are spending your debts.

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7 ways of getting quick cash

I thought of listing some methods of getting quick cash. Maybe it will help somebody. The order is random:

1. Get a quick loan
Now there are a lot of loan providers, that can help you get a loan in 24h, 1h, instant, minus 1 hour, etc. Go there, apply for a loan and you get served

2. Rob someone
This is a quick way to get quick cash. But you have big chances to make a quick visit to state prison. So is not very wise

3. Go hire yourself.
The problem here is that you will not the cash quicker then 1 week/month.

4. Ask a friend to give you the cash
Once a very smart man said that the value of every person is the amount of money he can gather at 1 am calling his friends. So, the idea is to have good friends or family, so they can give the cash quick :)

5. Sell something
Yep. But first you need something to sell. Jewels, real estate, a car, stocks, bonds, something with resale value. Most of the stuff we buy have almost zero resale value (clothes, food, electronics, white goods, etc)

6. Make a quick business.
Basically is the above point. Post an ad on craigslist, saying you sell something, you sell and repeat the process. Make sure that you have something standardized that will sell quickly, otherwise you will be stuck with the merchandise

7. Gamble
Well, this is more a quick loosing money solution and earning it. At least try something you have 50%-50% chances. My suggestion is, if you really need quick cash, DON’t gamble. Otherwise there are big chances that you will need MORE cash :)

Good luck :)

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Statistics say that an average employee have money savings to keep him/her alive for an average of three months. Some barely live from one paycheck to another, some succeed in saving more money, so in case of emergency, they could live  for a longer period of time until they look for help.

Paycheck loan is a form of credit that offers an amount of money to the employee until the next paycheck. The cool thing is that credit cards with their ever stretching limits are a good replacement for the paycheck loan. First, the paycheck loan is usually no bigger then the salary itself. And on a credit card you can borrow/use the money for a much bigger limit.

The paycheck loan is designed to help people to have a bigger mobility in times of shortage. However, my suggestion is to use it carefully. Don’t take a paycheck loan just to go on vacation or to spend it on stupid things. After all, it a month from your life thrown away for… what? For a new stereo? Or for spending on some clothes, with absolutely no reselling value?

Try to use the paycheck loan only for smart spending. Basically in investing. And investing in things that brings you FUTURE SOURCES OF INCOME!!!! This way you can evolve from financial point of view. And only if the earnings you get are higher then the interest rate you pay for the paycheck loan :)

When I will have more time, I will put a list with this kinds of loans and more details about each ones. Until then, good luck.

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I believe that living on credit is not sustainable. Because is false. We are living in a pervert world, where we were tough that creditcard is the answer to all our problems. Using a creditcard could buy us time, happiness, is easy to use, is a social pressure to do it.

But living on credit shows a blossom picture with dark roots.

In the first place, we say that we want credit because it allows us to benefit from a thing now, instead when we are old and we cannot enjoy it (then it will too late). So we go for credit, in the hope to enjoy the effects not, rather then later. This is ok… it seems. But, we are getting bored. And we see that what we bought and mortgage our future is not satisfying us any more. We want another thing, more fashionable, more new, so we mortgage our future even more. And we become slaves. Slaves on plantation.

We will be obliged to spend the rest of our lives pay the credit back, and for what?

Actually, there are 2 types of credits. Those that will make you money (if you invest with higher earnings that the interest that you are paying to the bank), and those who drain you out of the money (when you are buying expenses, that you cannot sell them anymore. In this respect we are buying electronics (with almost zero reselling value), trips, cars, etc. These are pure expensive.

On the long therm, getting a credit will make you pay more then double… Getting a credit will make you a slave.  And everything you do must get paid. You know, there is no such thing as a free lunch :)

This crisis is about sustainability. And greed. We came here because of credit. … I will further discuss these topics again :)

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