Choose carefully, if you are taking advantage of the silver lining of the bad economy, whether refinancing or buying a home, or even when using Payday Loans.

When times were plentiful, we built.

The businesses and edifices that we built in the times of plenty were wonderful and we had great fun making them. We built them to last a thousand years. We trained engineers and architects to design buildings and gigantic towers that would stand forever. Higher, make mine higher, cried the clients. Bridges – we made them so long you couldn’t see the other end. With clients who have unlimited budgets one can do just about anything in the construction world. And we did.

Solid structures are starting to crumble.

Look what’s happening now. Change has arrived. Perhaps only a few of us really understood the potential effects of an economic crash.  There seems to be nothing that is not affected. Okay, all the restaurants in the Yuppie hi-tech industrial parks are closing down. The designer coffee shops are close behind them. Offices are closing and now one can see entire buildings that are vacant with sad ‘To Lease’ signs swinging off the parapets.

The American dream in high reverse

The half complete buildings are perhaps the worst of all sights. Gray, unfriendly concrete with steel rods poking out where the workers got orders, downed tools and walked off the job without covering up or protecting unfinished work for some future date when someone decides that times are good enough to complete the building.

How sad it is to see what has happened to our proud construction industry. The professionals are standing in lines waiting for Payday Loans and the workmen are lining up at the unemployment office hoping to find work.

A silver lining shines on the housing sites

Work has slowed to a crawl on the housing sites. Actually this is a good time to buy a home and one can probably negotiate a great price with a desperate contractor. Just make sure you get a house in working order with all the licensing complete and all the utilities connected up. Take your time when choosing a house. Walk around it, sniff it and feel it. Then try another and another until you find one that sings under your touch. That’s the one to fight for.

A silver lining for refinancing

The same goes for mortgages. This is the time to negotiate a great refinance on your existing home. Do not, repeat, do not, take the first mortgage you are offered. There are hundreds of banks out there all panting to lend you their money. Do your homework. Work the phones, and search on the internet for the very best mortgage you can find. And you will find one, the competition is fierce.

A payday loan-made easy

When looking for a payday loan, let Personal Money Store do the work for you.  They will look around and find you the best deal with the best lender.  And it’s all online.

How long is recovery time?

Tough question. No one knows because no one has been in these woods before. It may be a painfully long and a slow recovery. Perhaps a slow recovery will allow the bones to grow together stronger than if we strap ‘em up and run straight back into the game.

My strategy

I’m sitting tight. I’m hanging onto my job although the salary is down and the perks are out of the window. But it’s a job and it provides two things:

• A measure of security and;
• The opportunity of taking a Payday Loan when things are really tough.

Cash advances came in at the hour of need for me. Hi, I’m Napoleon from the city of Atlanta, Georgia. I work in a food catering company.  Sadness can engulf anyone into a huge sense of emptiness; I witnessed loss recently and it was devastating to say the least.

My loving grandma

When I was small, my parents separated and since then I stayed with my younger brother, Clarence and my grandma. Clarence was a college student. My grandma was 76 years old. Even though it was very difficult for my grandma to take care of us because of her age, she managed to raise us well.

I moved away

Two years ago, I finished my college and left Tallahassee to work in Atlanta as a manager in a food catering company. At first I used to regularly come to my home town to see my grandma but last year I got so busy with work that I could not find the time to see her and my brother. Every month I made sure that I would send some amount of money to grandma for her expenses.

The unthinkable was about to happen.

One day Clarence called and told me that grandma was very sick; her health condition was deteriorating and she urgently needed money for the medical treatment. I assured him that I would get money to him right away and grandma would get all right. I sent all the money I had for her treatment. However, her kidneys failed and she died. I was devastated.

I needed a cash advance loan

Every moment from my childhood with my grandma started to flash in front of me. I wanted to go Tallahassee for the funeral. To my shame, I did not have enough money to travel and manage the funeral. I explained my situation to my boss and asked him for a cash advance on my next paycheck. I had to leave in the middle of the month and my financial situation was bad. My boss suggested I go online for a cash advance loan. This was not only a great idea, but the only option left for me.

Money when I needed

The cash advance loan I applied for was approved within a few hours and it was directly deposited into my bank account. Although I was told that the cash advance would reach me in no time, I was relieved to see it actually happening. The next day I reached my home town. Even though I was emotionally devastated, I somehow managed to get through the funeral process and its expenses. Thanks to the cash advance, I could manage everything. By the next paycheck, I was able to repay the loan amount.

When devastated by grief, look to get a cash advance to help. Many people go about it the wrong way. They worry about money when they don’t really have to because a cash advance can be the solution to any immediate money problems.

Murphy’s Law has struck three times in the same place and it’s going to take a payday loan to get me back on the tracks.

I finish the painting

I finished the painting I’ve been working on these past 10 months – the one with the girl in the red shawl and the big straw hat walking along the beach. I emailed a picture of it to my agent.  He says as far as he’s concerned he can get me $40,000 for it easily. Believe me; I can use that kind of money. I put the painting on an easel in my studio so that visitors could see it in good light. Over the weekend the children dropped in to have a look and they brought the grandchildren with them. I received lots of congratulations and kisses from everyone.

Murphy’s Law – Strike 1

No one knows what Tommy, age 6, had in mind, but he picked up a bottle of acid that I keep for etching, opened the cork, tripped and sent the stuff flying over everything. Of course the painting is irreparable. I had a few dark thoughts about young Tom then remembered, I am a kindly old grandfather.

I get going again

I bought a new canvas and started the search for a new subject. I spend hours examining pictures, enlarging them, checking angles and perspectives, shadows and heights. I finally choose one and get ready to print a working copy on my faithful old printer.

Murphy’s Law – Strike 2

I press the ‘print’ button and get a loud ‘bang’ and lots of white smoke. I run out to buy a new printer. “That model is no longer in stock, sir!” I ask what I should do with all the little containers of ink and for a moment I thought the salesman was going to tell me just what to do with them. At this moment I apply for a payday loan and buy a laser color printer.

I start again

I’m back in action. The new printer is great but I had to call in a technician to set it all up. I have primed the canvas and am ready to go. The picture is of a woman on a balcony with very bright colors and flower pots and masses of flowers everywhere. One has to be careful with one’s choice of subject, after all you are going to work on it for anywhere between six months to a year.

Slow progress

The work goes very slowly. Perhaps I’m not a hundred percent happy with the subject and am still thinking about the girl on the beach. But I press on and work diligently at every possible minute. The picture is taking shape. My agent came over for coffee last night, took one look and was most enthusiastic. “Work faster!” he roared. “I need the commission already!”

Murphy’s Law – Strike 3

Six months has passed and I’m excited. The picture is just great. It must have been an electrical fault or did I forget to switch off the heater? Fire! Thank goodness the acrid smell of smoke woke us in time.

Help!

Where do I find that form to fill in for another payday loan – I can’t even afford to buy a canvas!