Finance and Refinance

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.

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

There is no such thing as a free lunch.

How stupid are most of the people that ask for a credit (especially quick loans) and then cry because the interest rates are too high, the total payment is almost double then the credit itself, etc?

The capitalist bastards that offer quick loans and rip off poor victims. What a cliche, don’t you think?

Quick loans nowadays you can find all over the net. There are tons of providers. Just sign the contract (electronically) and they will send in your account the cash.

Of course, greedy and mostly stupid people that take these loans are not paying attention at all conditions, and event they do, they do not calculate the opportunity of getting one of quick loans. Do they really need? Or is for stupid things? Hell knows…

Always there is a trade off. Do you want quick loans? Then the costs will be higher. Do you want normal (as time) loan? It will be easier to bear the costs. The rule of thumb is: convenience cost. Quick means more expensive. Are you sure you want a quick loan? Maybe 500 USD you can borrow from your parents/friends/coworkers.

What do you think? Still interested in quick loans?