A quick payday installment loan is more than just another option. It can act as a close partner during your most trying times. If used wisely, an instant cash loan can provide you the fullest benefits without being a heavy burden. In times of trouble, it is always hard to borrow from people that we know; no matter if they are our sibling, parent, or friend, since many people would rather not strain their relationships. In that case, a short term installment loan is an essential tool.

How a short term installment loan works

You needn’t be apprehensive about a payday loan if you use it responsibly. An easy installment loan is provided by a payday loan lender to help people get back on their feet again, at their greatest convenience. The lender does not enforce the full repayment of the loan right away, so setting aside a small amount of payment lets you flexibly manage your money resources once more.

Life can be very hard. But with my payday installment loan…

I have always thought of myself as extremely hardworking. I work around the clock just like everybody else. Even so, sometimes it is not enough because I do fail to meet some of my goals from time to time. I have recently found out how hard it is for an ordinary person like me to get out a huge financial mess without going for a guaranteed loan. The best option for me was to go for a short term installment loan. In more ways than I can list, taking out this instant money has helped me survive.

So the next time you end up in a bind like me, look no further than this article to grab your own opportunity to apply for a payday installment loan.

For a short term installment loan, apply here

To avoid the hassle with paying off your taxes obviously requires that you have the money to do so. It is also important to pay on time and not wait until you receive a warning letter in the mail. If you think you may not be able to pay your tax bill on time, then you should reconsider using a payday loan. There are numerous instant cash advance lenders online who can accommodate to your needs.

Advantages of taking out an instant cash advance

Applying for an instant cash loan nowadays can be done in a flash with the increased options available for you like payday loans without credit checks and online faxless payday loans. The best thing about taking advantage of quick cash lenders is that they never require unneeded paperwork, so the chance of getting your instant cash advance approved is almost 100 percent. Money lenders are everywhere and the choices are wide, but if you want to look around and see which one has a better offer, then look no further than an online money lender site such as Personal Money Store.

What to expect with instant cash advance

Getting a quick cash loan requires that you be 18 years old and receive regular paychecks. The amount that you can take out for an instant cash advance can vary from $100 up to $1,500 and can be paid 15 or 20 days starting from the loan’s release. In the event you have trouble paying off the cash advance, your lender likely has a program to help borrowers avoid delinquent payment, such as an installment payment plan that fits your income.

There is an instant cash advance for people with bad credit

Borrowers that have a bad credit rating normally would not be granted a loan, but payday loan lenders are so flexible that they usually offer faxless or no credit check options, so finding the right loan for you is no longer an issue. Truly, for those tax payments and all your money borrowing needs after tax day, an online instant cash advance is what you should use.

Apply here for an instant cash advance

Payday loans are hardly discriminatory. In fact, nearly anyone can reap the benefits from one as long as they have income that arrives with regularity. The amount that can be loaned depends on the salary of each individual, but money lenders can offer anywhere from $100 to $15,000 per payday loan. Some people consider the usual interest for a payday loan to be a bit stiff, but they pale in comparison to the penalty charges, like from a credit company, for someone who sits and does nothing.

Similar alternatives to a quick payday loan

Similar money loan alternatives to quick payday loans can be provided by credit unions, banks, government agencies and private companies. You must meet their requirements, however, and this involves jumping through hoops that may involve mounds of paperwork and more. Pawnbrokers are another alternative, but since they pay significantly less for the actual value of an item, they have been accused of ripping off their customers. Borrowing from friends or relatives is an option, too, but not everyone is so fortunate. Furthermore, the stress involved could strain important relationships.

A quick payday loan is the best option for many borrowers

Nevertheless, if you’re buried with debt, finding the right fast cash money lender right away may be your best and only option. A quick payday loan then seems like a financial lifesaver. Personal Money Store will help you find the perfect one!

Apply HERE for quick payday loans

“With all the payday loan lenders out there, I didn’t know where to start…”

Eventually, though, the bills became too difficult for me to handle and I needed something to keep myself afloat until my next paycheck arrived. So I finally decided that it would not hurt to research a money lender and take out a quick payday loan – just this one time. And that one time was enough to not only keep me on track, but to get ahead of the game!

The types of loans vary with each payday loan lender

The types of payday loans vary widely, but the fastest fast cash comes through online payday loan lenders that provide no faxing and no credit checks. The Internet makes loan research easier for the average borrower, so with a simple online search, you can fill out a simple application form and receive your money in a few more clicks. Of course, you can also go for the more traditional method of getting a payday loan through retail lending, which works the same way but requires more walking.

Getting an instant payday loan seems easier than ever nowadays. Through proper Internet research, a borrower’s chance of determining the right type of payday loan for them is getting better.

Know which payday loan lender is right for you

There is no perfect payday loan, just as there is no perfect payday loan lender. To many borrowers, the right payday loan lender offers you instant cash without too much paperwork. The right loan is available even for those with bad credit. Lenders that require no credit checks and no faxing are good for those with a history of bad credit, such as late payments, and only require that the borrower maintain a regular job.

The money lenders that conduct credit checks, ask for collateral security, and ask for tons of documents should be considered, too, but many borrowers consider them to be a waste of time. Also, the stress of being denied for a payday loan that can save you from further ruin may be too much for some people to handle.

If you want to take out a payday loan, you can go after those lenders that offer faxless and online options for your fast cash needs. From there, decide which lender works best for you based on your other important needs. With all the options available now, finding a payday loan lender without much hassle has become a whole lot easier.

Start you quick payday loan application HERE!

A payday loan may be your only solution

All over the world, normal people have been affected by America’s recession and many end up with their own share of personal money troubles. Some worry about such things as loan interest and look at borrowing as a difficult task. However, as long as those people have jobs, lending agencies can offer instant payday loans to help them quickly overcome some of their financial difficulties.

Benefit from Cash Payday Loans

Paying on time, instead of paying increasing late fees, makes it easier for a debtor to pay off a short term loan. Another benefit you will get from taking out a fast cash payday loan is entering into an easy and hassle-free application process. Applying can be online, it does not require collateral, and there are no credit checks that can discredit your application.

Moreover, the shorter the term you set for your loan, the less interest you will pay, overall. As for late fees, you no longer have to deal with overdraft fees, which may appear like somebody at the bank is robbing you of your hard-earned cash.

A Payday Loan is for everyone

As more people experience the impact of troubled economic times, more strapped borrowers take advantage of quick cash payday loans, and many expect their numbers to increase significantly. Besides, where else can you get $100 or $1, 500 cash today without credit check?

If you want out of a bind today or if you just want to take advantage of special deals, consider going after an instant online cash payday loan for all your needs.

How a Quick and Easy Payday Loan Has Helped Me

I have always thought that life has done everything possible to make things hard for me, until I reached a financial deadlock. I may have maintained a job after the recession, but taking out an easy online cash advance has spared me from struggling excessively hard to make both ends meet from the start.

I had unknowingly stepped onto a money tightrope, so even after I had taken out the loan, I was still reaching for useless ways to get myself off of it. Sometimes, there is no better choice than to take a payday loan and this quick and easy opportunity can, without a doubt, help anybody survive.

Start your quick payday loan application HERE!

I was chatting online with my friend one day, and he wrote, “OMG, I almost overdrew my bank account!” So I asked him what he did to avoid it, and he wrote “Yay for short term loanz!” (That’s how he spells it; he considers himself quite the comedian.) I asked him how he got his short term loan, and he told me he had gone to a local payday loan store.

“Didn’t you know you can get instant payday loans online?’ I wrote. He replied that he knew he could get a payday loan online, but he thought he’d have to wait to get his money, and he needed cash right then. “You needed it in less than two hours?” I asked. “Well … no,” he wrote.

Same money, less hassle

I told him that if he had applied for an instant payday loan at Personal Money Store, he would have had money deposited directly into his bank account in as little as two hours, he was surprised. When he thought about the time he’d spent going to the payday loan store and then going to his bank to deposit it, only to go home and pay bills online, he agreed that he’d have saved himself a lot of time and effort by getting a payday loan online.

Furthermore, he told me how much the lender’s fees were at the payday loan store, and they’re the same or even more than lender’s fees available online! I was glad we had that talk, and so was he. Next time he can save himself some hassle, some time and maybe even more money than he saved in the first place. He’d gotten a payday loan so he wouldn’t overdraw his bank account, so he ended up paying $17 rather than the $35-per-transaction bank overdraft fee.

If you need an instant payday loan, APPLY ONLINE for a hassle-free loan.

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Let me just start this off by saying that I do not have strong opinions about Kathy Griffin or Levi Johnston. I mean, as far as whether I love them or hate them, I’d say I think Kathy Griffin is a mediocre comedian (not a bad one) and Levi Johnston is an accidental celebrity who is dealing with it in much the same way many 19-year-olds would.

So it isn’t surprising to hear that I don’t really have any strong opinions about Kathy Griffin and Levi Johnston going to the Teen Choice Awards together. Like most of Kathy’s material — which this is — I find it mildly amusing. Kind of the way I find it mildly amusing that after I tell my friends how much an instant payday loan costs, they are flabbergasted by how much less it costs than overdraft fees from the bank.

An odd couple? Not really

Of course, all of the tabloids are jumping on the story about Kathy Griffin and Levi Johnston — which is exactly what they, yes they, want. People have a lot of different opinions about Kathy Griffin and Levi Johnston, but I think one thing we can all agree on is that both of them are spotlight hounds. For years Kathy Griffin has been trying to become famous any way she can. Her raunchy humor and shocking publicity stunts, such as her blasphemous Emmy acceptance speech, reek of cries for attention.

Levi Johnston, too, could have easily avoided the spotlight after it was revealed that he was the father of Bristol Palin’s baby. I mean, the kid lives in Alaska, home of former governor Sarah Palin, Levi’s son’s grandmother. Many people probably wouldn’t want to bask in a national spotlight that was shined on him for being the father of an illegitimate child. However, Levi Johnston has embraced his chance at fame. He posed for GQ with his son, and now he agreed to accompany Kathy Griffin to the Teen Choice Awards, clearly a controversial decision.

What controversy?

I say that Levi Johnston’s decision to accompany Kathy Griffin was controversial not because I personally see anything wrong with it, but because it has sparked a tabloid debate that has surveys with questions such as “Is a 29-year age difference ever OK?”

Luckily, very few publications are perpetuating the rumor that the two are actually a couple. It’s apparent to all that this is at best an obvious joke and at wost a publicity stunt.  I am siding with the “joke” faction, as I do find it mildly amusing that Kathy Griffin chose to attend the Teen Choice Awards with a teenager. I think it’s appropriately inappropriate.

Did Kathy Griffin pay Levi Johnston?

PopEater opens its article about Kathy Griffin and Levi Johnston with this line:

It was either her charm, wit or bank account that did it, but somehow Kathy Griffin was able to land herself a sweet date to the 2009 Teen Choice Awards.

I suppose it’s possible that Kathy Griffin paid Levi Johnston to accompany her to the Teen Choice Awards, but I think it’s more likely that Levi simply sees the moneymaking potential that comes along with getting attention in Hollywood. The 19-year-old Alaskan has said he wants to be a model, and the more people become famillliar with his face, the more modeling gigs he’ll likely be offered.

Nordstrom has come to stand for customer service in a way no other chain of stores ever has. Originally a shoe store, Nordstrom first opened shop in Seattle in 1901 and grew into the largest independent shoe chain in the United States. The chain expanded into the clothing market in 1963, but it wasn’t until a man in Fairbanks, Alaska, walked into a Nordstrom store to return his used snow tires – and got his refund with no questions asked – that Nordstrom became synonymous with customer service.

Spurious or not, further discussion about the snow tire legend must wait until I’ve hit upon the reason why Nordstrom is such a hot topic on Google Trends today.

At the Anniversary Sale, some of the affordable fashions are not apocryphal

The much-anticipated Nordstrom Anniversary Sale begins today. You already know to do this, but I am obligated to remind you: Get a head start on your shopping by applying online today for a small loan from a payday lender. If you prefer not to drive, stand in line, and feel the press of humanity hunting for bargains (or if you’re simply afraid to leave home) you can shop at the sale online, too.

The Anniversary Sale, which runs through August 2, is your chance to pick up a new fall wardrobe, get yourself a fabulous new pair of boots, add some cute shoes to your current collection, and buy those new fall handbags and accessories you’ve been drooling over. According to the advertisements I’ve seen, you’ll find discounts on new merchandise for fall, including True Religion jeans for women at $189.99 ($297 after the sale) and Rock & Republic jeans for men at $159.99 ($250 after the sale). I realize that if you do the math, this claim is at odds with the foregoing sentence, but sale items are reputed to be 40 to 60% off.

At the Rack, all of the fashions are affordable every day

If something seems amiss in my suggestion that you get an instant payday loan so you can save money at the Anniversary Sale, you may be a candidate for shopping at the Rack. Pedestrian as it appears – it looks more like a flea market than an upscale department store — the Rack is loaded with deeply discounted Nordstrom fashions all year long. With luxury and boutique shopping on the wane, Rack outlets stores are all the rage.  Several new stores are slated to open soon in Texas, Minnesota, California, Florida, Ohio, and Colorado.

Getting Back to Used Snow Tires . . .

Nordstrom has never sold tires, but some sources claim that the tale about the snow tires is true. According to Pamela Abramson in “Nordstrom’s High Style,” (Newsweek, 1987), in 1975, Nordstrom acquired three stores in Alaska from the Northern Commercial Company, which did sell tires, and converted them into department stores. So when the customer, who had purchased the tires from Northern Commercial, brought them back to the newly converted store, the return was accepted.

The details don’t matter

There is, of course, much inconsistency about the details of this oft-cited customer service legend. Sometimes it’s a tire, other times a set of tires. Sometimes it happened in Fairbanks, other times in Seattle. Sometimes the customer says nothing about why is he returning the tires, sometimes he claims he bought them there, and other times he simply says they did not “stand up properly.” Sometimes the amount of his refund is $25, sometimes $145, other times $125 per tire. Sometimes the clerk saw the price on the side of the tire, other times he simply asked the customer what he paid for them, but a receipt is never involved.

The customer is always right

Originally the company denied the account, but according to Bill Kossen in “Success Came a Step at a Time for Nordstrom,” (Seattle Times, 29 May 2001), John Nordstrom said he was there when the tire was returned to a Nordstrom store operating out of one of the converted tire stores in Alaska. He said the customer seemed a bit confused but sincere, so the employee gave him his $25, thanked him for coming in, and invited him back to shop.

Among the many problems with the details of this story, however, are that Nordstrom didn’t acquire the tire shops until 1975 and John Nordstrom, co-founder of the Nordstrom department store chain, died in 1963. The discrepancies may not really matter. What does matter is that in every version of the tale, the customer is always right.

And Moving On to Shoes . . .

Some sources claim that you will find draped dresses in hues like sapphire and ruby, leggings, luxurious faux fur, chic thigh-high boots, ankle booties and hardware embellishments with a rocker edge at the Nordstrom Anniversary Sale. Others limit their predictions to leather jackets, vests, dresses and accessories that incorporate current trends such as menswear-inspired details. But the discrepancies don’t really matter because in any version of the sale, there are lots and lots of shoes!

The Beyond the Cure pendant

Looking for something to do with all of that extra cash you have lying around? Well, you can always donate it to curing breast cancer at armyofwomen.org.

Army of Women is a partnership between the Dr. Susan Love Research Foundation and the Avon Foundation for Women. Armyofwomen.org says the Avon Foundation is a global leader in breast cancer research.

More about armyofwomen.org

The partnership resulted in an organization called the Love/Avon Army of Women. The web site at armyofwomen.org says:

Our revolutionary initiative has two key goals:

• To recruit one million healthy women of every age and ethnicity, including breast cancer survivors and women at high-risk for the disease, to partner with breast cancer researchers and directly participate in the research that will eradicate breast cancer once and for all.
• To challenge the scientific community to expand its current focus to include breast cancer prevention research conducted on healthy women.

Using armyofwomen.org

I am sure the forces behind the Love/Avon Army of Women don’t want you to take out and instant payday loan to donate to the cause. However, back to that extra cash you have lying around. You can donate to the Army of Women directly through armyofwomen.org.

There are a couple of ways to donate. Armyofwomen.org sells “Beyond the Cure” pendants for $5 each, and profits go to supporting the cause. The other way, of course, is just to give armyofwomen.org money. No one will complain about that.

No extra cash? Have some class

Of course, if you don’t happen to have a pile of cash sitting around waiting for a good cause to come along, you can sign up at armyofwomen.org to be a volunteer.

Many volunteers participate in research studies with scientists who are seeking causes and cures of breast cancer.

Scientific research

The Army of Women web site says:

The Love/Avon Army of Women is driven by two key partnerships that will accelerate research and prevent breast cancer: the partnership between Dr. Susan Love Research Foundation and the Avon Foundation for Women, and the partnership between scientists and women.

That partnership between scientists and women has manifested itself in the form of several research projects, which armyofwomen.org is collecting donations to fund. The site says the Love/Avon Army of Women is currently involved in these research projects:

• Yoga for Breast Cancer Survivors:Effects on Fatigue, Immune Function, and Mood
• Variations in the Health Needs of Breast Cancer Survivors
• The Gap Study (studies difference in breast cancer treatment experiences between black and white women)
• Weight loss and biological parameters in breast cancer survivors
• The Milk Study: Using Breast Milk to Screen for Breast Cancer and Assess Breast-Cancer Risk

Armyofwomen.org is user-friendly

If you want to donate to armyofwomen.org, but you aren’t very web savvy, have no fear. There are “donate” links to click on in pretty much every section of the web site.

If you want to be a volunteer, you have to create an account at armyofwomen.org with a username and password. However, if you just want to donate, you can. Anyone who wants to can give money.

Army of Women at work

The Love/Avon Army of Women project this year was named “most innovative health charity” at the Peta Proggy Awards. Armyofwomen.org is aimed at recruiting a total of 1 million volunteers. A press release from December shows at that time the organization was more than a quarter oft he way there.

People in America have gotten used to freedom of choice. From a consumer finance standpoint, choosing an instant payday loan or online cash advance is a right no government should be able to take away. Many people hold a similar view when it comes to the thorny issue of healthcare in this country. The free market has given many people the ability to make choices that best suit their medical needs. However, a large (and perhaps mostly silent) group of people are finding that choice means nothing when none of the choices are affordable.

This is the group of people President Obama has in mind when he encourages America to move toward socialized medicine. This is a red hot button topic in politics these days. The concept of the cream of the income crop paying more into the healthcare system so that those less fortunate can have access to care has its supporters and detractors. Supporters cite successful examples from Canada, the United Kingdom, France and even the American Veterans Administration system of hospitals, saying that the level ground makes for a happier, healthier populace. Detractors claim socialized medicine subsidizes the irresponsible behavior of others who abuse their bodies and paralyzes private health insurance providers. Furthermore, they suggest that healthcare systems like those in Canada don’t always work.

FreeOurHealthcareNow.com says no

An unknown group is using FreeOurHealthcareNow.com as an online petition that people can sign if they think that socialized medicine is the wrong option for America. They are particularly concerned about government-run health insurance and care. Their petition reads as follows:

President Obama and Congress are pushing “reform” that will move America closer to a government-run system like Canada or Britain. If they succeed, most Americans will no longer be able to keep the insurance they have. Instead, they will be forced into a government-run health insurance market, with most people enrolled in a government-run health plan.

I support the following as key elements of any health care reform plan:

Choice: I support the right to choose my own doctor and to choose a health insurance plan that best fits my family’s needs and budget.

Access: I want to get the treatment I need, when I need it, without delay or denial and I want my health care to be patient-centered rather than government-centered.

Fairness: I want the same tax breaks employers get if I have to pay for may own health insurance; and I want government assistance redirected to those that truly need help.

Responsibility: I want more control to cover my own health care decisions and I want a system that encourages everyone to eliminate fraud, waste and abuse. I want insurance I can take with me if I have to change jobs.

In closing, FreeOurHealthcareNow.com prompts citizens to declare this: “I, the undersigned citizen of the United States, petition the U.S. Congress to stop any increased role of the government in my health care decisions, I also petition the U.S. Congress to protect my right to choose my own doctors and hospitals without delay or denial, to obtain care that is patient-centered, and to have health insurance that is personal, portable and best suits my needs.”

Americans will have the chance to choose very soon

Click the pic to spin this record

It appears Democratic lawmakers are at least willing to put the socialized medicine option out there to see if it sticks. But most do not agree with President Obama’s hearty endorsement of it. They want to continue to offer improved private options.

But make no mistake, you must choose. If you don’t, you just might be hit with tax hikes.

David Espo reports for the Associated Press that senior House Democrats are “considering slapping an unspecified financial penalty on anyone who refuses to purchase affordable health insurance.” Furthermore, Democrats are considering a new tax on certain insurance benefits as a means of covering those who have been uninsured.

Choice A or Choice B

Private insurance or the government option are your choices. Under the House Democratic plan, “individuals and small businesses would be able to purchase coverage from a health exchange and the government would require all plans to contain a minimum benefit,” writes Espo. One welcome aspect of this is that applicants would be exempt from rejection or a higher premium due to pre-existing conditions.

Then there’s the Medicaid upgrade option. Democrats are seeking a uniform level of coverage across the nation. A revamped Medicaid would also up the payments to health professionals (thanks to a tax hike, doubtless).

“Play or pay”

Rep. Charles Rangel, D-N.Y., who is the chairman of the House Ways and Means Committee, has confirmed that there will be a penalty for those who refuse to buy coverage they can afford. It’s “play or pay.” Waivers would be available for those who could not cover the cost of insurance.

“There is no use having a mandate without a contribution,” he said.

Democratic leaders hope to pass legislation in both houses by early August. Then they hope that a compromise measure will be ready for the president’s signature by the fall.

$1 trillion over 10 years

Financing socialized medicine as Obama envisions it could cost $1 trillion over the next decade, experts predict. Cutting Medicare payments to home health care, pharmaceutical companies, insurance companies, hospitals and others to cover the expense has been considered, but it is unclear how effective that would be at closing the expense gap. The idea welcomes a rash of other criticisms as well.

Locating areas for saving within the private insurance market is still underway, and this would perhaps be an ideal option to the majority of those concerned. Raising taxes on healthcare would go against the president’s previous pronouncements, but sometimes a politician has to do a 180 and be willing to go face down in the mud.

Getting rid of dead weight

Obama would be mostly alone there if he went with socialized medicine. FreeOurHealthcareNow.com would suey like a pig headed for a future in bacon. But Senator Olympia Snowe, R-Maine, would apparently be in Obama’s corner. According to Espo, she has been searching for a compromise that would hold government-funded healthcare as a last resort for those who cannot afford insurance, even after a Congressional overhaul of the current diseased system.

Personally, I’m willing to pay higher taxes for universal healthcare. The private system has had time to regulate itself via competition and it clearly hasn’t worked. If self-regulation were possible, I’d consider that first, to be sure. However, I look at healthcare and education as basic human rights (not privileges). If socialized medicine becomes a reality in America, I would like to see private companies be absorbed into the process rather than see them simply disappear. Of course some turnover would be inevitable, but I’d like to limit that to some of the top healthcare executive class (expensive dead weight). They’d serve America better hawking ShamWows or joining hands to form live border fences. Once in a while, consumers can pitch in with an instant payday loan or online cash advance to feed them. Because they mustn’t leave their posts near places like Juarez or the Akwesasne Mohawk Nation. Leaving their positions is bad for our health.

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Luxuries, that when implemented, will make you feel like you are truly living the high life. You don’t need a lot of money to enjoy the following activities…just a sense of adventure and freedom. Hang on, and enjoy the ride!

Stress is a big killer when it comes to your focus and health, and if you do not have your health, you pretty much have nothing. Taking a mental health day every so often is one of those great luxuries of life that will help you become even more productive on those other days when you actually have to go to work. While this luxury does not cost any money up front, it may cost you a day’s wages if you are paid by the hour. However, doing this once in a great while will help you recover those lost wages by being more productive in the long run—which could get you a promotion or a raise.

Take a Leisurely Stroll through the Woods

There is nothing I like better than heading to the woods and just taking a slow walk on a path in-between the trees. Breathing in and out…slowly, deeply, and savoring the crisp clean air going deep into my lungs. This is one of the greatest luxuries of life that doesn’t require an instant payday loan to enjoy. In fact, for just the price of a bit of gas, and maybe a little cash in your pocket, you can get out to the woods and enjoy a nice slow walk while enjoying the scenery and fresh air. Do this on your mental health day and you have a recipe for true mental health!

Uninterrupted Sleep

Until you have had your sleep interrupted, i.e. a new baby in the house, you won’t understand why this is on the list of the top 5 luxuries of life. Sleep is very important in that every single system in your body regenerates itself when you are sleeping. And if your sleep is interrupted on a consistent basis, your body and mind will then begin to break down, leaving you in poor health, with a huge loss of focus and productivity. New parents often experience these conditions, due to caring for a newborn. I happened to have experienced this at three different times in my life, and let me tell you—I was completely ecstatic when all three babies started sleeping through the night!

Clean, Cold, Crisp Well Water

If you are lucky enough to live in the country, you more than likely know about this luxury. Well water, if you haven’t experienced it, is one the best luxuries in life that costs very little to maintain. I live on the edge of a small town and my house actually has the well water coming in. Delicious! If you cannot get access to well water, I highly urge you to find water that is as pure as you can find—at least just a bottle, so that you can experience this luxury for yourself. And it doesn’t require extensive credit checks just to be able to buy a bottle of pure water!

And the last luxury…

A Loving and Authentic Human Connection

When you can get past all of your complaints and emotions about someone, and can really connect—you don’t need money to feel rich. Connecting with someone, even your kids, can really be a true luxury in your life. And all it will cost you is a few moments of your time, and the loss of your complaints. Be real with people, and you will experience some of the richest moments in your entire life!

With all of the free luxuries available to you, it doesn’t take an instant payday loan to enjoy life.

I never thought I’d need a payday loan, but I never thought my six-year-old would be playing with a neighbor kid whose parents are cutters, either. They cut themselves and each other for emotional distraction. Or something. I’m not really interested in the reason. I just know they do it and I don’t want my kid anywhere near it.

I needed a payday loan

When the mother of my son’s playmate showed me a fresh, three-inch-long, flayed-open cut across her left shoulder – this newest one wasn’t self-inflicted, she confided, it was a gift from her husband who had been feeling emotional the night before – I had my ducks lined up before she had her sleeve rolled back down. I was moving out. The only duck I was missing was an online payday loan.

I had five days left on my lease

I have good credit, but I refuse to use credit cards. I’m a single parent, but my ex-spouse doesn’t pay child support. My job is my only source of income. Moving is always a financial set-back, and I’ve done it five times — once a year –  since I got divorced. About a year ago, I moved into a duplex because the owners of the house I had been renting before that sold it. I had a one-year lease on the duplex, and the term was up at the end of May. I had five days left on the lease.

I had never trusted the neighborhood, so I hadn’t offered to renew the lease on the duplex. I could continue to rent by paying on a month-to-month basis, or I could leave at the end of the month. I had decided to rent month-to-month until I could afford to move. But after my eye-opener of a chat with the neighbor, I no longer cared about the money.

It takes money to save money

A couple of weeks earlier, I had looked at a rental unit in a four-plex in a much better neighborhood. It’s just around the corner from where I work and a short walk away from my son’s school. I was surprised to find out that the rent was only $500 a month — $250 a month less than what I was paying at the duplex. But I didn’t think I could afford to move.

Moving is expensive; it doesn’t matter whether you’re moving across town or across the country. I could scrape together $1300 of the $1500 I would need for the first and last month’s rent and security deposit. But I was short $200 plus whatever it would cost to rent a moving truck and get set up in a new place. So even though the rent at the four-plex was so much lower, I had decided to wait.

I needed cash today

I hurried my neighbor and her emotional distractions out the door, put my kid in the car, and drove back to the four-plex. I called the number and waited for the owner to come show it to me again. Within an hour, the owner had done his background and credit checks, and I had signed a lease starting on the first day of June. I had also written a $1500 check post-dated by two days.

I’m not exaggerating when I say that 20 minutes later I was online and had an instant payday loan for $500. The funds were in my account the next day. I rented a truck and four days later, I was out.

Now I walk to work and my kid is safe

My duplex landlord wasn’t happy about my departure, and as I had expected, he refused to return my deposits. My $500 cash advance was paid back on my next payday by an automatic deduction from my checking account. So money has been really tight, but I haven’t had to put gas in the car since I moved, I’ve been walking home for lunch, and I’ll be $250 ahead when I pay my rent at the end of this month.

Today I filed an action in small claims court to get my deposits back, but all I really care about is that I got my son away from the cutters. It’s a good thing I didn’t rely on my landlord to refund my deposits. That cash advance was the perfect solution.

Job layoffs, plunging retirement accounts, home foreclosures — the ripples of the recession are affecting us all. Like many Americans, you may have a limited income and no savings. You may have been turned down for credit or own maxed-out credit cards. You may have damaged credit for any number of reasons, including a previous bankruptcy filing. If these are your financial demographics, you are a direct target for payday lenders and you may be trapped in a habit of borrowing between paychecks that you can’t seem to break.

Don’t be tempted.

Everyone’s situation is different, but if you’re living from paycheck to paycheck, this much is certain: it’s not easy to make ends meet and payday advances are tempting. Anyone who’s ever applied for an online payday loan is set upon by email messages like these every day: You’re just moments away from cash in your pocket today; Last chance for money before this weekend‏; Is Payday too far away? Make it happen tomorrow; Claim your cash eligibility by midnight tonight; Get cash with bad or no credit.  And the onslaught never ends.

Go cold turkey.

If you’re trapped in a payday loan cycle, you will never begin to regain financial control until you say “no” to the next instant payday loan. This will mean that you will have to scrape by between paychecks. It will mean that you will have to stop paying for unnecessary things like health clubs, lawn maintenance, cable, internet service, and cell phones.

If you consider any of those things to be necessary for your survival, getting out of the payday loan trap will require you to redefine what is necessary and to pare your definition down until it includes only those things required to keep your job, a roof over your head, and food on your table. Getting out will require that you sit down and prioritize your basic living expenses like housing and essential utilities, and make whatever sacrifices you must in order to pay for those things. To break the payday loan habit, you have to stop suddenly and completely.

Change the way you live and then get help.  In that order.

Change the way you live.

Getting out of the payday loan trap will require you to make drastic changes in your spending habits. You will have to give up new clothes, lattes, and movies. You may have to shop only at thrift and discount stores. You may have to ride a bike everywhere you possibly can instead of driving a car.You may even  have to give up difficult-to-break but expensive habits like smoking. If you aren’t doing so already, you may have to live with a damaged credit report.

Change the way your family lives.

Getting out of the payday loan trap may mean that your kids can’t take karate or dance or ski lessons. They will have to do only those things that cost nothing or next to nothing. They may have to ride bikes or play in a park or go on local day hikes instead of playing on a soccer team. They may have to camp out in the back yard instead of going off to summer camp. They may have to work on art projects or read books from the library instead of watching TV or playing on a computer. They may have to walk your dog or the neighbor’s dog instead of going to the mall. It may take some doing on your part, but your kids will survive these modern-day deprivations.

Then get help.

If you are not willing to make drastic changes in your lifestyle, there is no sense in hiring anyone to help you with your payday loans or other debts. But if you can first do what it takes to break the payday loan habit by living within your means, then take the next step and get advice from a bankruptcy attorney or a debt solutions company.

I’m a big fan of surrealism in everyday living. By that, I mean that I am a purveyor of the odd and the unusual. I believe that almost any moment can be heightened by a dash of lunacy and a pinch of silliness, delivered with the utmost seriousness. Always keep them wondering, keep them wanting more. That’s what Awkward Family Photos does for me.

We’ve all been there, haven’t we? Captured on film at the wrong moment (I’d say perfect), showing the world our pride, vanity or out-and-out tomfoolery. Awkward Family Photos is the naked lunch, head-of-a-pin moment for us all. It’s the instant payday loan of lunacy, served fresh.

Make that clenched face…

… like when you had to come up with a lot of collateral for a secured loan. That expression could be on Awkward Family Photos!

Matthew Moore reports for the London Telegraph that the Awkward Family Photos blog just started, but it is already drawing over 2,000,000 visitors per day. Not surprisingly, publishers are talking book deals. Harper Collins, Penguin and Time Warner Books have all come forward to express interest in releasing an Awkward Family Photos book after the site was recently featured on Gawker and Boing Boing.

The premise – awkward family photos with amusing captions – has struck a nerve. Perhaps millions of us have suffered in shame for having such awkward relatives. Perhaps we too have suffered before a photographer’s cloth pastoral scenery. The people on Awkward Family Photos have lived to tell, and it is delightful.

Family ties that gag

Awkward Family Photos co-founders Mike Bender and Doug Chernack hope that their Web site will become a “communal celebration of awkwardness.” Humiliation was not their intention, but as I see it, people need to lighten up. If you can’t have fun with family, stop the world. I want to get off, and I’m taking my instant payday loans with me.

Loans world secured sense of whimsy

The first photos displayed on Awkward Family Photos were submitted by friends and family of the founders. They’d been lifted from elsewhere on the World Wide Web. Now that the idea has taken off, a flood of reader submissions has come in, proving that we are all exhibitionists and voyeurs at heart. It is our heart’s fondest desire – and greatest fear – to be exposed. Doing the Watusi in mashed potatoes at that moment in time is expected. I would wear open-toed rubber shoes and dance.

“Our fear was whether or not we’d get submissions, but people have been sending them in like crazy. and they really seem to get it, because the majority of photos are great,” said Bender. “I think there is something kind of cathartic for people about sharing the oddness of their families.”

Contrary to popular belief, however, no all frosty nuggets sent to Awkward Family Photos make it to publication. But rather than describing it to you myself, I’ll allow Bender to convey his feelings on the matter: “We had one woman send in a photo of her during a water birth. She thought it was awkward. We were disturbed.”

Related Video:

Every Saturday the downtown mall in our city holds an arts and crafts fair. In addition to the usual arts and crafts many other stalls set up shop and offer a variety of wares. Popular items in the ‘non-art’ area are olives and home squeezed olive oils, cheeses – usually delicious goat-milk cheeses, spice stalls, strawberries, mangoes and other exotic fruits, and nuts.

My regular Saturday morning chore is to buy the newspaper. I buy it only for the crossword it features, not the American kind one gets in the Herald Tribune, but an English cryptic crossword that I like doing. I have to weave through the throngs of shoppers and gazers from the foot of the escalator to the book store where the papers are sold. And therein lies a problem.

The nut counter

Halfway in this mad dash to get in buy the paper as quickly as possible is a large counter dealing in nuts. What’s the problem? The sugared nuts. They have a piece of equipment that looks rather like a concrete mixer and into this goes almonds, peanuts, pecans, cashews, sugar and water. Out come the most delicious sugared nuts. “Don’t you dare!” said my wife the first time this kiosk opened for business.

I was there on Saturday, as usual, fighting my way through the crowd when I spotted the nuts. I had come with money, a payment for an Instant Payday Loan article having arrived via cyberspace and my Paypal account sometime in the night. Normally I carry only money for the newspaper when I come to the mall. I bought a bowl of mixed sugared nuts. “Do you want an explanation of how to store these so that they last?” asked the storekeeper. He looked at me and laughed, “You mean they won’t even last as far as your apartment!”

The sugared nuts

The sugared nuts are delicious. What’s more one cannot stop eating them until the bowl is empty. The sugared nuts are also expensive, a small bowl costing about $6. We don’t usually buy them although the salad maker in the family likes to sprinkle them on a green salad – “makes it much more interesting”.

Lately I have been buying them when I have ‘spare’ money. I notice that the nuts have become a sort of indicator of our personal financial situation on Saturdays. If I am not feeling financially strapped, we buy and the buying acts as an on/off switch. Buy the nuts and everything’s fine. Things don’t feel so great – no nuts.

Economic indicators

Economic indicators are a subject all on their own and range from the ridiculous to the sophisticated. One of the best known is the Economist’s Big Mac index which tries to make the theory of exchange-rates easier to understand. It is based on McDonald’s Big Mac hamburger. The prices of the Big Mac in various countries are listed, converted into dollars, mixed with the earning power of the local currency, minced and spat out as a ‘purchasing power parity’, a direct comparison of currencies.

Interestingly, we always complain about how much the Big Mac costs here but according to the latest Big Mac table, what costs $3.54 in the U.S. costs $4.24 here. So much for the complicated hamburger standard.

My nut indicator is easier – either I’m feeling rich or I’m not!

Today the Samsung Alias 2, made by Verizon Wireless, goes on sale. It features both a mutable E Ink keypad and a second hinge that allows it to be used as a flip phone.

Wireless phone users who had a tough time choosing between a QWERTY keyboard — for texting, Twittering and surfing the web — and the convenient, hip flip phone now don’t have to chose.

Responsible spending

The Samsung Alias 2  costs $129.99, but it’s being offered with a $50 rebate if you sign a two-year contract.

If you’re a technophile it may be tempting to grab an instant payday loan so you can be one of the first to own this newfangled device. But remember, Verizon is not going to run out of the Samsung Alias 2 any time soon. It’s better to save your money and purchase one when you can afford it without short-term loans. Plus, who knows, the price could go down.

More features

The Samsung Alias 2 features Bluetooth wireless networking, a 2 megapixel camera and microSD-based storage. Of course, there are all sorts of other bells and whistles you can add if you’re willing to pay extra.

For instance, you can add the RemoSync feature, which synchronizes calendars, e-mails and contacts from office computers, for $9.99. Or you can get visual voicemail for $2.99 per month.

Check out a video of the Samsung Alias 2 in action at Mobile Magazine.

Verizon creating lots of buzz

Last week, Verizon released its MiFi 2200, a portable wireless hotspot.

Anywhere you can pick up a Verizon signal, which is just about everywhere in the country, you can use the MiFi. You don’t even have to be a Verizon customer. But, just as with any Internet service, you do have to pay the provider.

Cost breakdown

The MiFi 2200 itself costs $100, after a rebate. That sounds little pricey for a device that’s only the size of a credit card, but imagine being able to stream TV shows during a car ride or check your Facebook account from an airport bathroom.

Contracts are $40 per month, which allows 250 MB worth of downloads, or $60, which gives you 5 GB worth of download power.

If you don’t want a monthly contract, you can pay $15 a day to use your MiFi 2200. If you chose this option, you will not get the $50 rebate that comes with the contract. Unless you are only going to use it for two days it wouldn’t make any sense at all to go this route. And why would you pay $150 for something you are only going to use for two days?

Back to Samsung Alias 2

Of course, if you want the Samsung Alias 2 to be your new cell phone, you do have to sign up for Verizon service. Of course, if you’re already a Verizon customer, the transition to the new phone should be smooth and easy.

Adam Lambert

Even as “American Idol” fans bite their nails in anticipation of finding out who will win this season, tickets for the American Idol 2009 Summer Tour are going on sale.

Today is presale day for the tickets, so you must use the American Idol presale password to purchase them: Idols2009.

Ticket details

Now that you have the American Idol presale password, you can get a ticket through ticketmaster for a show in your area. Tickets are between $40 and $70. Make sure you have your credit card number ready to purchase American Idol tickets online.

You can still get an instant payday loan in time to take advantage of the presale, but tickets go on sale to the public tomorrow.

Concert details

American Idol 2009 Summer Tour will feature performances from the Top 10 finalists from American Idol 2009, season 8 of the popular competitive singing tour. Here is a list of the performers for American Idol 2009 Summer Tour:

• Adam Lambert
• Allison Iraheta
• Anoop Desai
• Danny Gokey
• Kris Allen
• Lil Rounds
• Matt Giraud
• Megan Joy
• Michael Sarver
• Scott MacIntyre

Regardless of who wins American Idol season 8, these 10 performers will take the stage in 50 cities across the United States.

Tour details

The American Idol 2009 Summer Tour begins July 5 at the Rose Garden in Portland, Ore. Then, the Idols will perform July 7 at the Tacoma Dome in Tacoma, Wash. The Idols will then hit several spots in California and one in Utah before heading to Arizona, Texas and Arkansas. The tour ends in mid-September with performances in New York and New Hampshire.

Using the American Idol presale password will allow you to buy your tickets ahead of time so you can get great seats and make sure you purchase your tickets before the show sells out.

American Idol update

For those of you who may have missed the last couple of episodes of American Idol, here’s an update. The competition at this point is down to only three finalists, Adam Lambert, Kris Allen and Danny Gokey. The last person to be eliminated was 16-year-old Allison Iraheta.

This week was Rock Week on American Idol. The top four performed these classic rock songs, and Allison was ultimately eliminated. Adam Lambert especially wowed the judges with his performance of “Whole Lotta Love” by Led Zeppelin.

Time to get tickets!

So, if you’ve got the dough to do it, head to ticketmaster.com and plug in the American Idol presale password, Idols2009, and reserve your spot.

After eight months of unemployment, I finally landed a job. But by then, I had been sliding on my bills for a few months and it was time to pay the Piper. It may seem ironic that my financial situation sank to its nadir after I started working again. But I had been skimming by on my meager savings, and as time passed I started to push bill-paying to the absolute deadline I would pay the utility bills just before my service was scheduled to be cut off. I would pay my rent on the last day of the grace period.

By the time I finally found a job, I had no money left. I had built up some some lag-time in my bill paying system, but luckily, it didn’t catch up with me until after I had been working for about six weeks.  And then the utility cut-off notices started coming in. I juggled the bills for the first month (and the first two paychecks), but I was faced with the stubborn fact that my paychecks were a little too paltry to get me caught up. So I found myself looking for an online cash advance loan.

I had nowhere else to turn

I never thought I’d be in that situation — shopping for a payday loan. I’ll admit I was ashamed, but I don’t have credit cards or anyone to turn to for financial help. My financial downturn started when I moved to a new city about a year ago. Economically, it wasn’t a good time to move. But I had the opportunity and the ability to go, and I’m not one to let a faltering economy dictate my life choices.

Still, it wasn’t a smart move. I had a lot of difficulty finding a job. I finally found some part-time work as a cashier at a neighborhood market. Then things got worse. I had been working only three weeks when all the part-time employees were laid off.  I had been self-employed before moving and hadn’t been employed long enough in my new location to collect unemployment compensation.

I finally found a job

Some 148 job applications and eight months later, I finally landed a job. I had made it through eight months of unemployment by stretching every dollar of my savings to the limit. I hadn’t borrowed any money or bought anything on credit, but still, I was sinking financially. Unfortunately, I wouldn’t get my first check until almost three weeks after I started. So I had to keep pushing those payment deadlines.

A small payday loan kept the wolf from my door

By the time I was due for my third paycheck, I couldn’t pay any bills at all. Everything was due at once. What I needed was just a little more money right now. I got a $250 instant payday loan, and as soon as I did, I could see the light at the end of the tunnel. The loan was automatically deposited to my bank account at about the same time as my regular paycheck.

I used the $250 cash advance to pay the minimum amounts due on all my utilities, and I used my paycheck for the rent. The loan will be repaid by an automatic deduction from my next paycheck. I’ll use the balance of that paycheck to pay my car insurance and all the remaining balances on my utility bills. I’ll even be able to get my hair cut. I’ll still be living hand-to-mouth, but at least I’ll be back in business.

I cut my losses

Without that payday loan, I’d be in a real mess. I don’t know what I would have done about the utilities. I suppose I would have spent a good deal of time on the phone begging utility companies for mercy. If I couldn’t work out something with the utility companies, I’d have been looking at hundreds of dollars in hook-up fees and deposits. I’d have had to pay my rent late, and that would have been an $80 late fee. I’d also have had to pay my car insurance late, which would be another $10 late fee. I probably would have been forced to float a check at the grocery store, and if I had miscalculated the time it took for the check to clear the system, I’d have been looking at a $42 overdraft fee. It goes on and on.
I’m paying $37.50 for my payday loan. According to the truth-in-lending statement, that’s an annual percentage rate of 614%. I’ll admit that’s a hard fact to swallow. But had I paid my rent late by just a couple days instead of getting the cash advance, my landlord’s fee would be more than twice that rate. And that’s even harder to swallow.

I’m in the open

Or at least, I’m out of the thickest part of the woods. Everything will be paid on time, and I won’t have to risk bouncing any checks. Two paychecks from now, I might even be able to put a little away in my savings account. I know there is a lot of contentious debate circulating about payday loans. Unless you’ve been to this place for yourself, you’re not likely to understand the significance of a measly little $250 cash advance. But I’ve been there, and that payday loan saved me from real financial trouble.

When you’re looking for a job, every second is important, not in the sense of speed, but as far as making every free moment count in your favor. April is a frustrating month as spring break plays havoc with normal work and study schedules. Those who are employed find themselves trying to make up for lost time, while those looking for employment become impatient at not being able to move forward with job applications. “After the break” becomes the operative phrase.

But whether you are working or looking for work, everyone can benefit from time off to relax and clear their minds before we head into the second quarter of the year. Use this time to sharpen the teeth on your saw, your work tool.

Take an Instant Payday Loan while you are at home to have a little spare cash for vacation necessities and prepare yourself for the work that lies ahead in the next few months. Go over everything that you have achieved this year and take a good, hard look at your goals for the future.

No Goals and No Progress?

If you can’t report to yourself on progress, analyze the reasons why not and adjust your goals or update your approach methods. Check again that the goals are realistic. If you didn’t set goals earlier in the year, now would be a good time.

Ideas for personal productivity

Try and keep yourself productive and positive. This is not an easy objective and very difficult to achieve. Let’s break this down into “easy-to-follow” steps:

• Try and have a positive attitude towards everything that comes your way.
• Plan your day.
• Make a list of goals that need to be achieved each day, and check them off as you complete them. This ensures that you remain focused and don’t get side-tracked into doing less important things.
• Make sure you have the tools you need to complete your goals. Productivity is about doing more with less, so use only what you need.
• Delegate tasks to co-workers where possible so you can concentrate on priorities and/or tasks only you can do.
• Every few hours ask yourself: “Is this the best use of my time today?” If it’s not, stop that activity; either delegate it to someone else or plan it for another day.
• Be innovative – think of better ways of doing things.
• Be committed – stick to what you set out to achieve.
• Try to do things right, first time round.
• Inspire others to be productive.
• Make good use of the break.

Anything is possible

There is a large school of thought that believes that if you want something badly enough, you can achieve it. You have to believe in yourself and in your ability to realize your dream. You have to remain convinced that it’s going to happen and you have to invest every ounce of energy you have to make it happen. You really are the master of your own destiny.

Most of us men are. If we don’t already own one, we are tempted daily to grab an Instant Payday Loan to buy that new big screen TV. And the remote is our best friend. Sound familiar?

We’re not alone

According to statistics from a French media ratings agency in their report entitled “Television Year”, 2008 was great year for us couch potatoes. And sports, particularly football, remained our firm TV favorite followed by fiction. This data comes from over 80 countries worldwide. The report was released ahead of the opening on Monday of the influential five-day MIPTV market in the Riviera town of Cannes.

How much time do we watch TV?

We TV addicts spent 188 minutes daily – three hours and eight minutes – on average in 2008, one minute more a day than in 2007, noted the study. This means that we are winning in the struggle to stay on the couch, in a horizontal position, if possible.

So, what’s showing?

North America notched up a big increase, with fans watching four minutes more TV a day, taking their total average dose to 272 minutes – more than four and a half hours. Europe increased to three hours and 37 minutes – 217 minutes – despite a three minute decrease in France and a one minute-drop in Germany. Their time spent in wine and beer bars was probably up to compensate. TV fans in Latin America watched one minute more, taking daily TV intake to 182 minutes on average.

Sports

It is no surprise that in a year that saw both the Beijing Olympics and football’s Euro 2008 taking place, sports retained its top TV ranking. There is just nothing like watching sports on TV. Okay, so one is not physically present at the game, but one can get all the details straight to the couch – the replays, the explanations, the arguments and all the sordid details.

Movies

The second most popular TV genre was fiction, meaning movies. US-made fiction continued to woo viewers with top-rated shows such as CSI Crime Scene. This was followed by entertainment.

Reality

Then came the stuff I personally never watch – the long-running, hugely popular TV reality shows such as Big Brother and Survivor continued to score around the world, as did family entertainment formats, including “Strictly Come Dancing” and “Idols.”

Other countries

Russian series “Tatyana’s Day” and “The Apostle” remained popular in neighboring countries as did Colombian smash hit telenovela series “Ugly Betty”. Ugly Betty has been running for months, maybe even years. Every time that name comes up when I am surfing the channels, I switch away as fast as possible. All they have to do to get me is to change the name to Pretty Betty or Sexy Betty. Ugly? Who needs it?

The most unlikely success of 2008, however, was Turkish TV series, “Gumus,” which has attracted a big following in the Middle East despite failing to catch on in its native country.

TV in General

What a great thing TV is! Despite what the critics say about it ruining our children, I cannot imagine life without it. From on or off the couch!

States might have to start laying off teachers

Consumers have a lot of options, like instant payday loans, when they need cash. Government entities aren’t so lucky. Their problems can’t be solved with a few hundred dollars.

Right now, the States want money, and they want it fast. These local governments only have one place to turn for the amount of money they need to keep their economies afloat: a bigger government. The United States are sending a message to America: we need stimulus, stat!

Big problems

At least 46 states are facing budget shortfalls. That means that without stimulus money, the states that have gaps in their budgets will have to make cuts to important social services, like health care. Many families will likely have to take out instant payday loans to get prescriptions if government subsidized health care is cut.

It also means putting off road repairs. In Riverside, Calif., the city is waiting for the funding to build sidewalks in places where elementary school children walk to school.

Layoffs and more layoffs

As we all know, the government must pay its workers, too. And we are not just talking about politicians here. The government pays teachers at every level from Kindergarten through college. Road construction workers, public defenders and even librarians could end up losing jobs if states don’t come up with the money to fund their salaries.

Begging for big bucks

Jan Brewer is the second to the right

Some states are facing truly huge budget shortfalls. Arizona is facing a $1.6 billion budget cap if it doesn’t get some help. Massachusetts’ budget is teetering on the edge of $1 billion. Tennessee is about $900 million short. There isn’t an instant payday loan out there big enough to cover that kind of expense.

Related articles

• Recession And Children’s Health Care – A Revisit (dailykos.com)

My oven's gone out and taken the stove with it.

Applying for an instant payday loan wasn’t my first thought when my oven went out. My first thought was “Maybe I can figure out how to fix it I checked out the oven myself, had my roommates look at it and even had a friend come over to check it out. No one could figure out how to fix it. We checked the breakers and everything else we could think of. It was time to call a professional.

Looking at the whole picture

Long story short, the cost of the repairs was bigger than my bank account balance. My next thought was “I can get by without an oven until my next paycheck.  It’s only a week.” But then I started thinking about it more. See, I don’t have a microwave. And the reason I didn’t have enough money to repair it was that I’d just spent it on grocery shopping, and I’d filled my fridge with things that I needed the oven or stove to prepare.

Don’t supersize me

So basically I was left with the option of eating out. I knew that the only way I could afford to do that was to hit up those dollar menus at fast food places. That didn’t sound like such a great option. I like to eat healthy, but to be able to afford to eat healthy food while dining out, I would have to put it on a credit card. That means I’d be paying for it for who knows how long. That’s when I started to  think about getting an instant payday loan to get my oven back in working order as soon as possible.

Time to do the math

It didn’t take long to figure out that the fees I’d pay for an instant payday loan would add up to be far less than a week of eating out for every meal. I knew that I would be able to pay back my payday loan after I got my next paycheck, so clearly I would end up saving money in the end. I’m a sucker for logic, so I decided to start researching how to get an instant payday loan.

Getting back to baking easy as pie

If I’d known how easy it would be, I probably would have just gotten the payday loan in the first place. I had heard of Personal Money Store from a friend, so I went there first. I never had to leave my computer. No faxing, no phone calls, and the online prompts walked me through everything. The terms were clear and simple. I understood what I was agreeing to. I picked the date that I’d pay back my loan, so I knew I’d be able to hold up my end of the agreement.

In about two hours, the money showed up in my bank account. That was good because I had already called the repair guy. Thanks to my instant payday loan I was able to write a check that wouldn’t bounce, and I had a healthy, inexpensive dinner, just as I’d planned.