6 Questions To Be Answered By Every Online Business

Every successful online business has a plan of where they are going and how they are going to get there. Where will your business be when it’s most successful? How can you ensure that you get there? Can you answer these 6 questions?

1. Who Are You And What is Your Business?

Is your online business as just a hobby? Or is it a serious business that you’ll stick with even if the going gets tough? The internet can be impersonal business environment. Your website visitors will want to know who you are. Your ‘About Me’ page can become one of the top read pages on your website. Tell people who are, why you’ve built your online business and how it can help them.

2. What Do You Offer?

What solutions does your online business provide? Is it freedom? Maybe more time? Or is it something else? What problem can your product or service fix for your customers? If you can answer that, your journey towards having a successful business will be quicker.

3. Who Is Your Customer?

Knowing your ideal customer is an important part of running a successful online business. Create a customer avatar so that you can look at it and know exactly who you’re doing it for. To find that “perfect” prospect do your research to discover their desires, emotions, demographics and other physical and mental personality traits.

4. What Makes Your Business Different?

Generally, another online business will be offering something like yours or close to it. You have to make your offer for a product or service more attractive to buy from you than it is to buy from one of your competitors. What makes you and your business stand out so that it’s better, different, or special?

5. How Will You Deliver It?

It’s important to know how you’ll deliver your product or service to your audience. Will you sell a physical product that’s delivered to the customer’s front door? Or a digital product that’ downloaded instantly to the customer’s computer once they have bought it? Perhaps it will be both? But without knowing how you’ll deliver what you’re selling, it will be difficult to succeed in your online business.

6. How Will You Determine Success?

A successful online business can mean different things to different people. Do you want to sell a specific number of products, get more website traffic, enhance your online reputation, broaden your brand or something else? If you don’t know what you want to achieve, how will you know if have ever achieved it?

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10 Reasons Why You Should Start An Online Business

Whether you are attracted to an internet business because you hate your current job, want to improve your circumstances, or would like a more flexible lifestyle, the internet offers all these opportunities.

Why An Internet Business?

1- Flexibility

Many people come to find themselves with an internet business through necessity rather than deliberate creation. For me, I needed a flexible job which I could work around contract work. It didn’t come in often but when the phone rang, I needed to take the work. This presented all kinds of problems. Normal work didn’t pay as well and employers didn’t want me taking large chunks of time off when the other work came in!

I tried juggling several jobs over a number of years but nothing seemed to fit. At around the same time I was attempting to use e-bay to buy and sell for a bit of extra money. It wasn’t until later that I discovered affiliate marketing. Affiliate marketing, for those who don’t know is a kind of referral selling. You point links from your website to other people’s goods and services. The link is tracked so that when you make a sale you are rewarded for it with a commission.

Once you know how to do this you can set up links from your online content to other people’s products and services. You can also use paid advertising to find people all over the world to sell to. This was perfect for my work because I could take my laptop anywhere with me and as long as I had an internet connection I could work. It didn’t interfere with the work when it came up, I had no boss to answer to so it was the perfect solution.

2 – Automation

There’s also a number of other reasons why I chose an internet business – and why you should too! The flexibility of the business was my primary concern. I wanted to be able to choose my own hours so I could take work when it came without any complications. But the other reason I chose this particular model was the ability to use technology to ‘leverage’ my time and income.

Once I had a website and content up and running, it kept going and I was able to make sales and deliver products without being physically present. This is the ‘magic’ of an online business. The automation involved with an online business means that you can do the work once and let that work keep running in the background. You can make sales and deliver products over and over through the same piece of content or advert, which can run an virtual autopilot 24 hours a day, 7 days a week and 365 days a year.

Each piece of content you create can send people to a landing page and sell a product. By creating many pieces of content and sharing them online you can build multiple sources of income which can all run continually, working as your own ‘automated sales team’.

3 – Ability To Scale

Along with this amazing automation is the ability to scale your business. Because there is no human intervention in the ‘sales loop’, multiple sales can happen instantaneously through the same platforms. Your content and advertising can be grown over time and scaled instantly (in the case of paid advertising). As your content gets more shares and more people flow through your website and content, your sales grow as a result. If you use paid advertising you can also scale a profitable campaign up easily by increasing your daily budget.

The automation of an online business makes it very easy to scale. In the case of a physical business this often means more staff, sales tools, larger office space and a whole lot more expense and hassle. With an online business everything is already in place. You simply need to send more customers through the automated sales systems with content and/or paid advertising methods.

4 – Low Startup Costs

When I started an online business I did it from my own pocket. I didn’t need a massive loan and I worked at a level which suited my budget. An internet business is very cost effective and you can start from scratch from pretty much any budget. If you have more to invest you can grow it faster with paid advertising. But, if you are on a budget like I was when I got started, you can get started easily and cheaply.

With a regular ‘bricks and mortar’ business there are many overheads to consider. Your costs include a business premises, staff, hardware and stock. Then there’s advertising and delivery costs. With an online business you just need a laptop and an internet connection – two things many people already have. Your main cost is getting the right education and learning the best strategy to build on.

5 – Simplicity

Technology has made it much easier than was previously possible to set up your own website and learn how to use simple online platforms to connect people to products and services. Advertising and content creation is now available for anyone to use. Websites can be set up with a few clicks and anyone with an email can learn to use the tools and strategies of online marketers.

Whereas previously website building was the domain of the tech savvy programmer, now anyone can use simple user friendly platforms and programs. An online business sounds like something for a technical person, but anyone can now learn the skills needed to build their own online business.

6 – Control

An internet business gives you control over your life. Of course it takes time to build up to a stage where it can replace your current income. But the flexibility of an internet business means you can work it around your existing employment until you can make this happen.
Once your income is beyond that of your employment, you are in a very good position to take charge of your life. You don’t have to do the daily commute, or put up with an uncomfortable working situation. If you don’t like your job you can quit. Don’t like your boss? Fire him/her!
One of the very best things about an internet based business is the control it gives you over your life. You can also build your work around your lifestyle, rather than the other way round. Most people are forced to put work first in everything they do. Family time, holidays and hobbies all tend to depend and evolve around work. An internet business allows you to prioritize the things in your life which mean the most. It can put you back in the driving seat of your life, both in terms of what you earn and how you spend your time.

7 – Work From Anywhere

Not only does an internet business offer great flexibility in terms of working hours but it also offers you the choice to work from anywhere globally. This appeals to many people who would otherwise be more trapped by conventional work in a localized workplace.
For me, it was the flexibility of being able to choose my own hours and not have a boss. But for many the ability to travel anywhere globally is the most important factor to owning their own online business.
Take your laptop anywhere with an internet connection and work while abroad and travelling.

8 – Learn Life Skills

The skills I have learned from building my own internet business also make me much more employable. I also worked for an internet based company with the skills I learned from my laptop while sitting at home!

Being able to reach people globally and target specific types of people is a great skill and very desirable in business too. I was also able to use the knowledge I learned online to build one of my other physical businesses much more quickly by using both my website building skills and paid advertising.

The internet is a fantastic opportunity for anyone to be able to improve themselves, learn new skills and build another source of income. Skills learned are yours for life, whether or not you continue down the path of building an online business.

9 – Independence

We might believe ourselves to be independent but many of us are very dependent on our work for income. As such, our employers tell us how much we can earn, how much holiday we can take and what we will be doing while at work. Financial independence is the ultimate freedom.

When we are financially independent we can take a holiday whenever we please and work in our own time and on our own agenda. An online business gives you the automation and independence to live life on your terms, without the agenda of an employer running your life.

10 – Sovereignty

Being an owner gives you sovereignty. The ability to call the shots in your business is what many entrepreneurs aspire to. As a business owner your actions determine whether you make a success of your business or not.

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Biggest Mistake When Starting An Online Business!

Are You Ready To Face The Hard Truth?

Affiliate marketing is a great way to start an online business. Many successful online business owners have used affiliate marketing to launch their online businesses. After achieving a certain level of success, they specialize in their interests and start other businesses.

I know of affiliate marketers who have achieved high incomes; however, even though it may be a great way to get started this should not be assumed it is easy.

Affiliate marketing is not easy, although you can find mentors who will help and guide you so you can prevent making the mistakes, which in itself will accelerate your learning curve. However, there is still going to be a learning curve and a lot of work.

One of the biggest misconceptions I believe out there in starting a business online is, ‘people set up and affiliate program or website and then sit back and expect the money to roll in.’

Although to most this seems ludicrous. Yes, you will be correct in thinking that this type of thinking is ludicrous, people are still doing it, and subconsciously this is precisely how they think.

They set up their affiliate program, website or blog, then start doing excellent work. As the results aren’t quick enough, they become distracted by the next big thing or stop believing that this business they have just started will work.

There are good reasons for people to have this behaviour and belief system. The internet business opportunities have taught people for years about money-making opportunities and get rich quick schemes that have littered the internet since time began, (online that is).

The making money online it’s easy, sit back and watch the money roll in, earn millions while sleeping or working ten minutes – all these tag lines.

These taglines are correct, but only after a lot of work has done to set this business up to be at a stage where you will be making money in your sleep, etc.

The reality is, if you want to start a business online, start making money online – you are going to have to put in a lot of work. Yes, you read correctly. You are going to have to put in a lot of work. Let’s face it. You are starting a business. Especially in beginning a business you are going to have to do a lot of work to get it up and running.

There is going to have to be an investment. This investment would either be time, money or a combination of both. Just remember you are starting a business. Starting by not investing a lot of money – you would need to spend a lot of time. The reverse is true. The best option in my experience and from the mentors I follow is a little of both – time and money.

Good mentors will help and guidance along the process, saving a lot of hassle, time and financial waste. However, you will need to be able to find these mentors, that could be difficult enough with every other website promising the world on a push button get rich quick scheme.

I am thankful for being introduced to my mentor and have not looked back. When I met him, he told me I was going to have to do a lot of work. He didn’t shy away from this fact. I will have to put in the time. He also told me very clearly that I will have to invest some money.

After all, I am starting a business, and these are two aspects many don’t mention or want to hear. The result is they get caught out and lose interest or end up losing money, wasting a whole lot of time only to have nothing to show for it. Therefore in the process, their confidence in any future online business in tatters.

So if you can be honest with your self, you admit that you are going to have to put in some real work and invest some money. If you understand this simple point, you already have an advantage over most people who start online.

Surprisingly today, people are still looking for that golden egg or easy money.

No, it is not all doom and gloom. Although I don’t think that what I have just shared is doom and gloom, instead it should be a breath of fresh air and should fill you with excitement as I have just told you that if you are willing to put in the work and invest some money and stick with it, you will be successful.

Now mentors like mine who have genuinely been successful in the area that they teach and have a passion for teaching others are invaluable to people who want to start a business online. You will be able to learn how to do things the right way rather than have to figure it out yourself. They will have developed processes and tools that they pass on to speed up the process and help build, once again, you don’t have to improve. However, more importantly, they will be able to guide and mentor you and invite you into the community they have created where people are helping each other to achieve their online business goals.

Let’s admit it the first time you mentioned that you were starting an online business to your closest and dearest, be honest they were probably not that supportive and filled with excitement. Now that alone is one step closer to defeat for your online business dreams. However, with a ready-made community that are all interested in you succeeding in your online business goals and more often than not can help and guide you along the path to success, continuously encouraging and supporting you.

If you would like to get introduced to my mentor who will tell you like it is, he will show you how to genuinely start and achieve success then click on the link below. I will send you a three-part video training from him that will show you the quality of the mentorship you will get, and it will show you the quality of the training you will get. It will show you the honesty and easy to follow precise instructions.

I highly recommend this great community, combined with the mentoring program. I have personally been trying to achieve success on the internet for many years. I have fallen for probably close to every scam, which eventually crushed my goals of ever having a business online. A guy introduced me to my mentor through this same video training I am offering you right now for free. Have a look and make your mind up. All the best with your online business endeavour, I sincerely hope you can put in the necessary work and achieve the success you desire for yourself and your family.

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7 Signs You’re Not Ready For Online Business Success

Dot.Com or Internet businesses started going main-stream in the early 1990’s and between 1995 and 2000 internet stocks were selling at multiples of their book values. Most of the Dot.Com companies had nothing tangible to justify their Mount Everest-high prices. It didn’t take long before the market started correcting itself and by October 4, 2002 the NASDAQ index had crashed by 76.81%, to 1,139.90, from a peak of 5,084.62 recorded on March 10, 2000..

Since the burst, the Dot.Com business had separated the men from the boys with valuable lesson learnt. Many of the boys went home to their parents to lick their wounds while the men started searching for the keys to online business success. As a matter of fact, no one key to online business success was found as internet business was a brand new territory. So it became a matter of trial and error to find out what worked.

In 2012 Rich Schefren released his much-acclaimed Internet Business Manifesto in which he advised Dot.Com entrepreneurs to approach every aspect of online business, from list building to product development and sales, strategically rather than tactically. He particularly noted that technology is an enabler and the whole focus should be on developing structures and building relationships rather than looking for tactical advantages like trying to outsmart the algorithms.

Since the Dot.Com crash, many online entrepreneurs have figured out what works and what doesn’t and the internet is producing millionaires in record numbers in assorted niches and sub-niches. One of such millionaires is Russell Brunson, the author of three best-selling books: Dot.Com Secrets, Expert Secrets, and Traffic Secrets. These books are definitive guides on what works online. If only to note in passing, as at the 2020, Russell Brunson’s net-worth was estimated at $41m; a figure he built over 15 years.

Scott Cunningham of Social Lite not long ago pointed out that online entrepreneurs go through three phases: the crawl phase, when you’re making less than $100,000 per annum, the walk phase when you’re making between $100,000 to $1m, and the run phase when you’re making over $1m. It is at the crawl phase you need the most learning.

For those of us in the crawl phase, it’s important to note that, just like anything in life, online business has its own guiding principles. Those who succeed in a big way online follow these principles. The opposite is also true for those who fail. As Russell Brunson and other internet business experts would readily advice, do what works. Don’t try to reinvent the wheel.

Here are seven signs you’re not ready for online business success. Not in any particular order, they include:

1. You’re not curious, indeed more often than not you’re skeptical that people like you are building successful online businesses and making money.

2. You’re not paranoid, indeed you believe online business is a passing fad and will soon go away. Andy Grove, Intel’s co-founder, once said, “Only the Paranoid Survive”. The internet is not likely to go away soon.

3. You believe Social Media is a distraction; if you use SM at all, you use it for the “social” aspect. Social media like Facebook, Instagram, and YouTube are business tools if you know how to use them.

4. You lack production mindset, you rather consume, and if you produce at all, you’re inconsistent. To succeed online, especially if you’re selling digital products, you must be a prolific producer.

5. You wear the toga of expert, always asking, “What can anybody teach me?” As Steve Jobs said in his Stanford’s 2005 Commencement address, “Stay Hungry. Stay Foolish.”

6. You focus on the negatives: fraud, complexity, and the technicalities etc., thus convincing yourself “it’s not for me”. The internet has its dark side. It also has its bright side. Embrace the bright side.

7. You live a “satisfied life” believing you’re already successful so “why bother?” This is the attitude of high corporate earners. Why not invest and learn now you’re earning high; sooner or later, you’ll retire.

If you exhibit three or more of the signs I have enumerated above: you lack curiosity, you’re not paranoid about the internet, you hate social media or only use it for play, you rather consume than produce, you consider yourself an expert who knows it all, you only see the dark side of the internet, and you’re too satisfied to bother, the simple interpretation is that you lack online business success mindset.

The signs simply say you’re not ready for online business success. I define online success as someone who makes a minimum of $10,000 monthly online and scaling and investing massively to move from the crawl to the walk stage. My simple advice to you is this: get off your couch, put on your running shoes and start looking for online business influencers to learn how you too can succeed online.

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Why Starting an Online Business Is a Great Idea!

There are several reasons why starting an online business is a great idea for anyone that wants to have more freedom and wealth. Here are five reasons why I encourage entrepreneurs to start and online business.

1. Not every idea we come up with is going to become a winner and make money

New businesses are started every day and only a few become successful. In the event that the business does crash and burn it is easier to bounce back without all of the financial responsibilities that you would have in a traditional business. I myself started an online business for $50 by purchasing a franchise with an already existing online business. This was great because I didn’t have to create anything and to this day is my main source of income.

2. Residual income and Advantages

The right business can be developed into a stable, residual source of income. In fact, there are plenty of ways to create online businesses that make six figures yearly. Imagine if you could spend your spare time learning how to create successful online businesses, resulting in several income-producing assets that will continue to earn money while your out playing golf or on vacation with the family.

Remember that business has changed. The way people are making money is changing. Old ways won’t open new doors. Starting an online business today will give you a running start in the new economy.

3. No disadvantages and faster personal growth

The rules of business don’t adjust based on age, a business owner in their mid 60s has the same risks and responsibilities that someone in their early 20s has.

Running a business introduces you to many life lessons, and being introduced to them at an early age will allow to develop into a more balanced person a lot sooner.

4. Ability to work from anywhere in the world

Having an online business with will allow you to work from wherever you want in the world. All you need is a laptop or smartphone with internet access. You can start your day when you feel you are ready and work as much or as little as you want.

The work won’t be any easier on a beach in Mexico than it would be in an apartment in Paris, and you will still have the same battles and challenges that every entrepreneur faces, but the option to do it from any location or while traveling is real.

5. Less risk and little financial commitment to start

Before the Internet it was very difficult for just anyone to start a profitable business. Credit cards, Bank loans, lines of credit weren’t easy to get and still aren’t for everyone.

An online business for the most part has lower overhead when compared to an offline traditional construction business, translating into less of a financial commitment. This allows anyone to be able to start a profitable online business. The only variable is your commitment to making it happen.

Were these helpful? There are others out there that could use this advice, feel free to share around and drop me a comment if you found this helpful!

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What Is Life Without Payday Loan Companies?

Life goes on even if payday loans will cease to exist one of these days. Our forefathers lived with their lives without it. In this current situation, where conditions are volatile and make every one vulnerable to its effects and consequences, people should clearly have other options to solve their financial problems other than the usual payday loan or cash advance service. But or the sake of discussion, let us suppose that the U.S. Federal government finally has decided to outlaw these types of companies. What happens then? Here are some possibilities.

People will need not march on the streets to recreate situations similar to Occupy Wall Street. But they will definitely appeal and ask their representatives to lobby for reinstituting this type of credit. It is also highly possible that in some countries, credit companies of this kind will be forbidden as well due to reports of exploiting the poor and the fact that some agencies will actually lead people to sink deeper into credit pits instead of alleviating their monetary predicaments.
People will suffer financial problems with not much hope of payment because they do not have easier options when it comes to borrowing money. Due to worsening economic conditions in some states and countries, banks and other lending institutions will implement more rigid rules on credit application and more people will not have access to it. As a result, more people won’t be able to pay their bills, solve emergency financial crisis, and end up with bad credit ratings.
One positive development when this scenario happens though is that people will be more financially conscious and find ways to make ends meet. In other words, they will tighten their belts further. They will resort to budgeting and savings to tide things up monetarily. Some will give up an expensive lifestyle or habits and reduce spending on unnecessary items such as junk foods, fashionable products, and sleaze magazines, among others. Many will also make necessary adjustments in order to cut down on gas such as commuting, biking, walking, or car pooling; lowering utility bills by lessening consumption of water, electricity, and the like; and cutting down expenditures on night outs, shopping, dining out, and travel.
Others will be forced to use their creativity in terms of preparing food and recycling wearable clothes. Yes, recycling will be the order of the day. And with proper ingenuity and creativity, people will make use of their old properties and even personal belongings and reinvent them to accommodate new functions and uses. In addition, garage sale will be frequent in the neighborhood to earn more money and get rid of useless items stuck in the attic.
Some people will apply for additional jobs with meager earnings just to earn extra money. While they previously spend idle time enjoying hobbies, without payday loans companies, they will use their time looking for ways to augment their income instead. In relation to this, a small home based business such as buy and sell online or freelancing through freelancer sites are good ways to earn additional income.
Lastly, payday loan providers will not be deterred. Expect that a few days after the laws are enacted, they will still be back in business, and this time with another term to use for their services. They will innovate usual service description, rename their business, change the features, and redo processes, among others. Definitely, it will be the same dog but with a different collar.
It is really not easy to imagine a world without credit, specifically from payday loan companies. As mentioned above, people will be affected but there will be always negative and positive consequences. Adjustments will be made not only with people’s lives but with the whole credit industry as well.

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Conditions and Process of Getting a Payday Loan

Payday loans are usually high-interest, short-term loans designed to bail out people until their next payday. Therefore, borrowers have until the next payday to pay the loan plus interest. Nevertheless, some of the lenders allow their customers to determine the most appropriate repayment period. When a person applies for a loan, they can get between $50 and $1,000, which comes handy for people who are in need of cash. The loan offers easy money fast to take care of minor, but urgent emergencies. This type of loan is often facilitated by a payday lender, which is basically a company that specializes in convenient financial services, like utility bill paying, foreign currency exchange and license processing.

· Conditions for payday loan

Payday lenders rarely get to check the credit status of the applicants. The expediency and privacy involved in applying for this type of loans makes it an attractive option for people with a poor credit. To qualify for a payday loan, you need to provide proof of being a citizen, above the age of 18 years and being in employment. Furthermore, the application process can be performed in less than 30 minutes and the money received in no time. If the payday lender does not hand the borrower a check when they apply, they can expect to receive the money deposited electronically in their accounts, within 24 hours. When you apply, you will see a very high Annual percentage Rate (APR), but you do not have to worry about this rate because it is calculated annually, and not weekly or monthly. This means if you choose to extend your loan 26 times from the date of repaying, your interest will be based on the annual rate.

· Process of getting payday loan

Payday lenders seek to capitalize on the weaknesses of banks. Therefore, an applicant can apply for a loan online or by phone. The application process involves submitting contact information, employments information and banking information. Furthermore, the lender can ask for contacts of a few friends and family members so that if the applicant failed to repay their loan, the references can be contacted to write up a check on the amount borrowed. If you are making your application online, you need to make a pledge to pay the loan by a particular date. Payday lenders often add a fee or finance charge. The lender then deposits the amount applied for in the applicant’s account or gives a check. When the term of the loan is up, the lender debits the customer’s bank account or cashes the check.

· Tips for taking a payday loan

If you are experiencing financial challenges, payday loans offer a viable solution to pay off your emergency utility bills, car repairs, medical expenses, etc. However, if you are facing a long-term financial challenge, you need to consider other options. There are many payday lenders available in the market. Therefore, it is advisable to shop around and avoid choosing an expensive offer. Furthermore, be careful and avoid borrowing more than you can afford to repay quickly.

The lender often holds the drafted check for a stipulated term, usually 2 weeks. When the term comes to an end, the lender debits the borrowers bank account or cashes the check. This helps to repay the loan, pay the interest and settle the lender’s fee. It is important to ensure you have sufficient funds in your account. But if you cannot afford to have the check cashed, you can always inform the lenders and he will be willing to rollover the loan to another term (often another 14 days), otherwise you could end up getting an overdrawn and expected by your bank to pay costly bank charges.

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How to Get an Emergency Payday Loan

What Are Payday Loans?

Payday loans, sometimes referred to as payday advances, are short-term, unsecured loans, usually for small amounts. The only collateral that is generally required to apply for these specific loans is some form of employment records, like pay stubs, although the term payday loans has become a shorthand for any type of small, short-term loan even if it’s not technically backed by a direct reliance on a borrower’s next paycheck. Payday advances, like any loan vehicle, are regulated heavily. These regulations vary widely from state to state in the United States, and from country to country internationally.

Payday Loans Are A Booming Business

Payday lenders have had seen booming success worldwide, and credit that success to offering a service that was not formerly available. They point out that emergency cash loans offer an attractive alternative to people who are not able or willing to use less expensive conventional routes to borrow money. Some companies that offer emergency cash advances in the UK have described their approach as a handy financial service for young, Web-savvy borrowers, accustomed to the ease and convenience of instantaneous online communication. These applicants often feel left out of the conventional banking system. Today’s modern consumer, raised entirely with social media, can even apply for these micro-loans using their smartphones, with money transferred to successful applicant’s bank accounts within minutes.

Compare Payday Loans With Other Loan Types

Many types of short-term loans can seem expensive when the fees associated with the loan are factored as yearly APR. For that reason, payday lenders prefer to compare their loan products to bank overdraft fees and other charges that traditional lenders use to recoup funds. Many payday lenders don’t even characterize their business as banks, simply as another form of Internet technology, used to connect willing borrowers with willing lenders.

Payday Loans Are Available 24/7

As traditional outlets for loans become harder to find and are requiring larger and larger amounts of paperwork for even small loans, payday advances have stepped in to fill the vacuum. They’re available day and night, seven days a week, and in many cases the process is so fully automated that loans are granted without the borrower ever having to speak to another person. After applicants have established a track record of successfully paying off cash advance loans, some lenders only require applicants to text the amount of the desired loan, and the term of the loan desired, and the money is instantly made available.

So Why Would I Pay the Added Interest?

Sometimes it’s an unexpected emergency, or it may be that an opportunity has come up you couldn’t possibly pass up. Is it tickets to the playoff? Has a friend obtained access to ringside seats at the “fight of the century”? Or maybe you have committed an unforgivable sin and forgotten your significant others birthday…

Whatever the reason, you’re short on cash. If you haven’t got credit cards and maybe your friends and family are not in a position to help out. What do you do?

It’s increasingly common for those in immediate financial need to approach a short-term lending company for a “payday loan”. These loans are often unsecured, meaning the borrower has no collateral to provide. This makes the loans a high-risk cash advance for the lending company. If the borrower bails, there’s nothing of value to collect. They compensate for the increased risk by charging very high-interest rates.

The applicant usually must provide proof of employment, and government issued identification. The idea is that when the applicant’s next pay check is issued, the funds will be used to pay off the loan. In some cases, the loans may be made for the borrower to purchase a car or other big-ticket item. In these cases, there is somewhat less risk involved for the lender. The item may be re-possessed should the applicant fail to repay the loan as promised.

So What is the Bottom Line

Companies around the world offer payday loan services including Canada, the United States, Australia and Great Britain. The rules and regulations regarding how much interest may be charged, and limits on the amounts of the loans vary depending on the country, state, province or county where the payday loan company is located.

The industry is growing; possibly the fastest in the UK, where there are fewer regulations on how payday loan companies may operate. UK firms have expanded into Canada and Australia. In a few states in the United States, super high-interest loans (such as those provided by payday loan advance firms) are illegal.

On the spot check-cashing is another service that is frequently offered by payday advance companies. Perhaps the customer does not have a bank account or wants immediate access to the cash. A flat charge or percentage of the check amount will be charged as a fee. Short term loan companies often open early and close late to take advantage of those who need immediate access to cash.

Many companies now offer online applications for payday loans. They usually offer a quick decision on the client’s application, sometimes within an hour. The cash can then be deposited into a bank account or collected by the borrower at a company office.

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10 Reasons Why Believing in a Christian God Is Good for You

NO WORRIES It’s good to know we can hand all our cares and anxieties to God. 1 Peter 5 6-7 says, “Humble yourselves, therefore, under God’s mighty hand, that he may lift you up in due time. Cast all your anxiety on him because he cares for you.” It’s a great relief to know that God is always there to take care of business, so we don’t have to worry.
SEE BENEATH THE SKIN If we believe in God we don’t need to be concerned about how we look. There is no need to worry about our outward appearance because as 1 Samuel 16.7 tells us: “… the Lord sees not as man sees: man looks on the outward appearance, but the Lord looks on the heart.” If we see others as God sees them, in other words by what’s in their heart, we become better, happier people.
NO NEED TO GOSSIP Social media offers plenty of opportunity for slander and criticism. James gives good advice on this (4:11-12): “Brothers and sisters, do not slander one another. Anyone who speaks against a brother or sister or judges them speaks against the law and judges it. When you judge the law, you are not keeping it, but sitting in judgment on it. There is only one Lawgiver and Judge, the one who is able to save and destroy. But you-who are you to judge your neighbour?” In other words we are in no position to criticize.
HAVE FAITH When we believe in God, we have faith, and faith brings salvation; see Ephesians 2:8-9: “For it is by grace you have been saved, through faith-and this is not from yourselves, it is the gift of God- not by works, so that no one can boast.” What does this really mean? It means trusting in God is a gift so we don’t have to work for it. And faith is its own reward, releasing us from all futile desires and endeavours and sorting out what really matters, the elimination of wicked thoughts.
STAY HEALTHY WITHOUT HAVING TO DIET When we believe in God we don’t have to worry about what we eat. Exodus 23.25 says, “Worship the Lord your God, and his blessing will be on your food and water.”
BE STRONG WHEN YOUR HEART IS BROKEN Read Psalm 147.3 which says, “He heals the brokenhearted and binds up their wounds.” Trying to get over the loss of a loved one through bereavement or separation is one of the hardest trials we have to endure. The journey is a lot easier when God is with us.
YOU CAN STAY IN GOOD PHYSICAL SHAPE ALWAYS Exodus 15.26 “For I am the God who heals you.” As Christians we expect good health through prayer and meditation. The only way to see if it works is to try it.
YOU NEVER HAVE TO ASK “WHY AM I HERE?” Pointless existential questions disappear when we believe in God. His purpose for our life becomes manifest and fruitful. Psalm 57:2 says, “I cry out to God Most High, to God who fulfills his purpose for me.” The deal is this: if we make all our choices with God in mind, He will fulfil his purpose through us. No more vexing over meaningless days as every day and everything we do has meaning in God’s eyes.
YOU DON’T HAVE TO WORRY ABOUT DYING Ecclesiastes 12.7 says about death “Then shall the dust return to the earth as it was: and the spirit shall return unto God who gave it.” This is such a comforting thought, to know that we are eternal spirits, that our appointed time on earth is temporary and our future will be spent in everlasting glory.
YOU DON’T HAVE TO WASTE TIME WONDERING WHERE THE UNIVERSE CAME FROM “In the beginning God created the heavens and the earth.” (Genesis 1:1) This is all we need to know about the origins of our environment. And of course, God made us too.What is there not to like?

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Is My Pain From Tight Muscles Or Could It Be From Something Else

During the past 35 years of my chiropractic practice, I have been asked many times “Is my neck and back pain from tight muscles or could it be something else?” This article will discuss muscular pain, and other sources of discomfort and how relief of neck and back pain can be achieved.

Recently a patient in her early 30s came to my office with a complaint of chronic lower back pain. Her job required her to perform rigorous physical activities of installing flooring and carpeting. She told me that her discomfort was interfering with her ability to perform her work duties. She was afraid that she would have to discontinue that line of work and take another vocation because of her condition.

When I asked her what she had done previously to help with the problem, she told me she had seen orthopedic specialists who gave her steroid medication and muscle relaxers. She had also seen physical therapists who gave her stretching exercises. She noted these measures gave her some temporary relief but didn’t completely resolve her pain.

When I examined her, we found that she definitely had muscle spasms of her low back. However, her examination revealed a more significant deeper problem. Her muscles were tight and in spasm because they were trying to protect deeper spinal joint misalignments.

I told her that the body will always work to protect an injured area. In her case, her muscles were chronically tight and in spasm because they were doing what they are supposed to do to keep her condition from worsening.

Let’s take a moment to explain the difference between muscular pain and pain from other sources. If we over-use our muscles, they can be sore and go into some degree of spasm; it might be mild, or it could be severe. Typically, this muscle discomfort eases over the course of several days as the body heals itself. This is a completely normal type of healing.

However, if the source of the condition is from a deeper problem, such as a misalignment of spinal joints, superficial muscular pain will be continuous and become chronic. If this is the case treatment of the muscles will only result in temporary, minimal pain relief at best. To correct the problem, we must address the deeper source of pain. Pain relief can only occur if we solve what’s causing the problem.

In my patient’s case, treatment consisted of utilizing gentle, chiropractic spinal adjustments to correct the misalignment of the spinal bones of her back. After her first treatment she immediately felt the muscular spasm relax and loosen. She said: “Wow, I feel looser already!” It took some more treatments of safe, chiropractic adjustments to fully correct the deeper alignment problem so that she could perform her job free of pain.

Chiropractors are specialist healthcare providers, when it comes to relieving spinal neck pain and pain of the lower spine. Chiropractors are trained to diagnose and treat physical, mechanical alignment problems of spine pain. Most patients who go to chiropractors find that having chiropractic treatment is a safe, pleasant experience because it relieves tightness and spasm of the muscles by correcting the deeper spinal misalignment.

Remember, sore muscles should normally heal after a few days of rest. If, however, chronic muscular tightness, stiffness or spasm persists, it is most likely due to a deeper spinal misalignment problem. In this case, it is prudent to seek gentle, safe chiropractic care for muscle pain relief.

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