No Credit Checks – Get Cash without Credit Verification

Everyone is different, with different needs and also different problems. Many people have taken loans which due one reason or another they have not been able to repay on time. This is recorded, thus giving them a bad credit history. Once someone falls under that category it will be very hard for them to get a loan. Money lenders are not keen to do business with someone who has a bad credit history, as they run the risk of losing money. 

 

Due to this problem, no credit check loans are issued. As the name suggests, these are loans that are issued without any checks into the person’s credit score. For most people, going through the credit scrutiny is the most intimidating part about applying for loans. However, since there are no checks here, the chances of getting the loan are quite high.

 

But there are a few pitfalls that you have to be careful about. Firstly, these loans will be only for small sums of money. That way, the creditors do not have to worry about losing a lot of money if the loan is not paid back for some reason. Secondly, the interest rate may be high. So, go for these loans only if you want quick money within a short period of time.

 

No credit checks usually are smaller loans, but they are useful to the people who otherwise would not be able to take out a loan. These loans are not usually higher than 1000 dollars. This might sound like an extremely small amount, but has proven to be a big help in some cases.

 

Loans such as these are for a short amount of time, usually a period of 14 till 28 days. It helps you get by until you have received your next paycheck. 

 

These advances are especially helpful because anyone, regardless of what their credit score is, can be eligible for a loan of this type. The financiers will not even check your credit score, the only thing you will be asked, is to provide proof that you have a steady income. 

Compared to the other short-term loans which are available, these loans are a lot cheaper and they will save you both time as well as money. 

 

On the whole, these prove to be very beneficial to someone who needs some quick cash. It helps a person meet all their needs right on time, without delays. 

 

Personal Finance—Some Things You Just Cannot Ignore

Personal finance basics are a vital part of each of our lives. With poor finance basics, one is doomed to face a lot of problems financially. To avoid this, there are some tips that one has to follow the first one being using free samples as much as possible. Many people might take this as being too extreme or being a miser but it still saves you money. 

 

There are a couple of stores that have offers for free items. We should make full use of these offers instead of buying a lot of goods and spending more than is necessary. Apart from this, there are online stores that offer free samples to clients. Why not ask for one free sample and buy another instead of buying two items. You save half the money you could use in buying the two items.

 

Secondly, try your level best to regulate the manner in which you use your credit card. Credit cards are a very good invention, if only they are used wisely. If not, they are easy route to being a spendthrift. There are people who buy whatever they come across in the streets just because they have a loaded credit. This is completely against finance ethics. Credit cards are meant to be used for emergency purposes only; a massage is not considered as an emergency. To avoid using the credit card badly, do not carry it with you often. Leave it behind when you have money with you.

 

Shopping is an activity that most of us love doing. Strolling around the shopping mall, pushing a cart is so enjoyable. But the problem comes in when we realize that we have unknowingly spent double the amount we had planned to spend. This is because of one simple reason; we never use shopping lists. Create a shopping list every time you plan on going for shopping according to the amount you had planned on your monthly personal finance budget. This will help you avoid over-spending in shopping sprees. 

 

Another very important personal finance basic is shopping items in wholesale. Always going to the shopping mall after every one week tends to not only be tiresome but also expensive. One spends more when he or she buys things little by little. The bets option if to buy in bulk. This way, one saves a lot. There are a lot of personal finance basics but these are just a few. Follow them and you will realize the immense impact they will have on you finance status. 

 

Preparing Your Personal Finance Budget

Finance issues do not only apply in the business world but also in our very own private lives. This is why we earn a salary of this amount and divide it among all our needs. As a result, we live a life that has limitations, then it comes to how we use up our money. This is known as budgeting. The best way of doing this is by coming up with a nice personal finance budget. However, if this is to work, we should be disciplined enough to stick to the finance budget. 

 

When creating a finance budget, there are certain things that we should do. These things help us come up with the perfect finance budget. To start with, we should gather all the information necessary before designing the budget. This way, one will not use estimates that might end up destroying the whole budget setup. A wise man once said that knowledge is power; the same applies in this case. Look for bank rates, bills, investments or any other kind of finance that will affect the flow of money. Secondly, list down all the sources of money you regularly earn from and get their total. This includes the monthly salary, child supports or even local investments. 

 

Thirdly, list down all of your expenses and add them up as well. This is the money you tend to use on a monthly basis. Examples of such money are insurance, house bills and mortgage expenses. Fixed expenses, these are expenses that do not change per month, tend to be easier to pay rather than their counterparts; the variable expenses. Therefore, make a separate list for these two types of expenses. Variable expenses are normally affected by fluctuating economies. Examples include gas, fuel, electricity monthly bills as well as food stuffs. 

 

After doing this, the next step is to find out what the difference is between you expenses and income. Therefore, subtract the expenses total from the total income. The amount you will find should be a positive number. If this is not the case, then your expenses are more than your income and this is not right. This simply means that you are not living within your standards. 

 

The solution here is to make some adjustment by letting go of some expenses until the income can fully cater for them. In fact, the income should be in excess for a more efficient personal finance budget. 

 

Using a Google Finance Search Tool

The business world is rapidly growing. Keeping up with the new terms and trends in this sector tends to be quite difficult. The same is happening to its sub-sectors and especially the stock market. This has become one of the most popular business trades in the world as more and more people are joining it by the day. In a bid to keep informed on the latest in this sector, many have opted to use the internet since it is the most convenient way of transferring information. Some well-known search engines have even opened up finance sectors for the same purpose. The Google finance search is one of them. 

 

The Google finance search engine is located in the main search engine. Simply choose the ‘more’ option above the Goggle homepage and select finance. It will redirect you to the Google finance search engine. This particular search engine has been divided into five sectors that enhance the whole search process. The first one is Markets. It is one that deals with markets all over the world and their on goings. It has threes sub sectors. The first one contains articles related to the recent markets posted in order of date. The second one basically contains top stories about global markets. Lastly, the third one has categories that simply analyze the recent trends in the stock market trade. 

 

The second main sector is News. Basically, this is a list of all the news that is happening on the ground. They have been arranged according to the company that posted them and when they were posted, the latest coming first. The third sector is one that deals with portfolios. This sector is a sort of private account where one stores information pertaining to his or her stock investments. They have a provision for organizing the stocks, input transaction information and mutual funds. However, not everyone can access this sector. Only those with accounts are allowed to. 

 

The fourth sector is known as the Stock Screener. This is the main search engine. It is where one looks for the information he or she needs. This is primarily information related to your stock. Here you can look for your stocks in terms of P/E ratios, 52W price change or the dividends one’s stocks have yielded. In addition to this, one can get detailed information on the exact stock he or she is looking for. Finally, there is the Google domestic trend that contains information on how the stock market is doing at the moment. 

Get Rid of the Clutter in Your Life

Have you seen how a clutter free environment helps you to achieve things in your life and to feel better about things in general? Clutter bothers most people and even those who claim it doesn’t, discover how a clutter free and ordered environment improves productivity. 

 

Often the negative feelings that arise from having clutter in our world are the result of the frustrations that come when we can’t find something or we are trying to do something and in the back of our mind are all the “things” that we should be doing around the house or office.

 

Time management and a clutter free environment have a fantastic way of turning our thoughts from negative ones to positive ones. When we underachieve due to spending time looking for things we need to complete a task, or when we say no to social events and even special time with our partners or children because of the “things” we feel need to be done, it will eventually turn our thoughts negative. 

 

Even the busiest of people can spend time each day creating an ordered environment and an ordered world. Time management and planning each day, ensures that the days don’t pass without things that will contribute positively to our lives happening for us. There is nothing more self-satisfying to most people, than a well-run home or office that is runs effectively. The gift of such an environment is usually a stress-free lifestyle or work environment that leaves people feeling good about themselves and able to give more back to the significant people in our lives.

 

Think of the difference removing some of the little frustrations in your world today could make, with just a little re organization. How often have you gone to answer the telephone and take a message only to find that the pen near the phone is out of ink? Consider how much free time you would have had if you had been able to sit and finish that work report without needing to sort the washing first. 

 

There are so many examples of little frustrations in our life that take us away from focusing on the things we want to do and as we remove those frustrations, we feel better about ourselves, the world around us and those in it. Focusing on removing the frustrations that we can control helps us to cope with the ones that are not in our control. 

How Easy Do You Find It to Talk to Other People?

Talking to people who are new acquaintances is something most people admit is something they find difficult. For some people, talking to people, they don’t know, can create so much stress they prefer to stay home or only talk to family and friends, rather than face the stress of a social gathering or business meeting.

 

Most people can usually deal with the simple conversations and can introduce themselves, but then find it difficult to keep the conversation flowing. If you feel like this, it’s important to know that you are not the only one; you are one of a majority of people. Even people, who seem confident, often hide their fear behind the curtain of being the “life of the party.” Social interaction is such an important part of most careers and life events, learning how to talk easily among strangers and friends alike, is an excellent skill to attain.

 

Becoming a confident person in public doesn’t need to be so stressful; however it does take practice and lots of it. Here are a few helpful ways to help you achieve the self-confidence you want. 

 

1.  Go prepared with some open questions: In his book ‘How to Win Friends and Influence People” Dale Carnegie reminded readers that if you ask the right questions, you don’t need to say much. Others will do all the talking, and feel they have found a new friend, even if you don’t say too much. 

 

Open questions are those questions that ask a question that needs more than a yes or no answer. Ask questions appropriate to the group. If its work related, after introducing yourself, ask someone about his or her work and what he or she finds most satisfying about it. If it’s a mother’s group, ask your fellow mother about their children. If it’s a book club, ask a member about the books they enjoy reading most. 

 

Each of these questions will open up more questions for you to ask, and as you listen, you will find something else to ask them or you will find that people will naturally reciprocate with similar questions, so you won’t be left wondering what to talk about next. 

 

2.  Watch Your Body Language: Try to maintain an open and friendly stance at all times. Smile when talking to people and try not to cross your arms. Look at people and nod your head when they speak to you. 

 

Showing interest in what people say naturally attracts people and encourages them to talk to you and show you the same interest you show them. People respond to people who are interested in them and showing interest in others is the simplest way of breaking the ice and developing self-confidence. 

 

How to Enjoy Your Work and Find Job Satisfaction

It may seem surprising, but only 30% of all people find their work satisfying and of those, only 10% find it extremely fulfilling. Even more of a surprise is that of the remaining 70%, all describe their work as less than neutrally fulfilling and 10% of them describe it as a living hell. 

 

When we consider how many hours a day we spend working, it seems amazing that so many are willing to invest so much of their life into something they don’t find fulfilling at all. In the current economic climate with so many losing their jobs, it’s understandable that most people want to stay in jobs they don’t particularly enjoy, but even in this climate, it’s possible to do something about increasing satisfaction and fulfillment in the work we do each day. 

 

Most people do a job, and very few see it as a career and even less see it as a calling. For many people, work is simply a means to make money; for others it becomes a way of expressing themselves and what is important to them. It is a way of expressing their creativity and a place for personal development that influences their personal lives. 

 

People who see their work as a place for personal development usually experience greater work satisfaction than those who only see it is a necessity and a way of earning money. Finding a career that satisfies us requires us to take an inventory of our skills, passions, values, careers available and our likes and dislikes and searching for a career that ticks most of the boxes for us. It’s important to remember that this is a journey and we may have to take jobs that help us to achieve the big picture, rather than think the work we accept along the way is the job we will stay in permanently. 

 

Aristotle once said, “Where the needs of the world and your talents cross, there lays your vocation.” The key to finding your perfect career is to match your skills and passions with the current skills need of the labor market. Ask yourself regularly if you are happy in your work and if you are not, ensure you spend time asking yourself why you are not and what you can do about it. Enlist the help of your supervisor, a mentor, a friend, a colleague if necessary to help you redefine your work purpose and ensure you maintain a healthy balance between life and work.

It Is Your Life! Embrace It!

Think about your life today. Is it where you want it to be? Think in terms of your relationships, your habits, your finances, your spiritual wellbeing, your work. All these things impact on the person you see yourself as being and the direction your life path is taking. 

 

Remember, if you don’t take control of your life, someone or something else will take control of it for you. As children we were often asked the question “what do you want to be when you grow up,” teens dream about their perfect relationship and young adults plan their next overseas holidays. Many people take a course because it looks interesting, or make resolutions at the beginning of each New Year and wonder why they find it difficult to complete the course or to stick to the resolutions. 

 

As maturing adults, we need to recapture that desire to recapture that ability to ask ourselves questions about our life, and dream about creating the best relationships and plan for those special trips and moments in our life. Why not take a life inventory and write down every area of your life that is important to you? Search the internet, make enquiries to local community groups and look in your local library, for opportunities to develop new skills or new knowledge in those areas you want to grow in. Ask yourself these questions…

 

1.  What are my goals and dreams?

2.  How do my goals and dreams fit into the circumstances of my life at this moment? 

3.  What areas do I need training in to achieve my goals?

4.  Who will be the best source of advice to take control of areas that are out of control now?

5.  Where can I find resources to help me achieve my goals and if I can’t find any myself?

6.  Where can I go to find the information I need in order to start my progress towards achieving them?

7.  What things in my life need to change so I have time to achieve my goals?

8.  What attitudes in my life need to change so I have the intention to achieve my goals?

9.  With whom can I share these goals with so that I have someone to be my cheerleader as I embrace my goals?

 

Each of these questions helps you to prepare insights into yourself and your ambitions and goals and to create a practical way to work towards achieving them and embracing the life you want for yourself and your family. 

 

What Makes You Happy?

As you look over your life, do you ask yourself what makes you happy? We often spend a lot of our day “in the pursuit of happiness,” but do we ever find it or are we on a fruitless road to nowhere when we seek to find it? 

 

Some people try to find money in wealth, others in possessions. Some seek their happiness in their husband or wife or their children. Every day, women around the world go in search of happiness by indulging in “retail therapy. For others, that decadent box of chocolates represents happiness. Men might be smiling at those images, yet how many men have to have their night out with the boys or their weekend golf game.

 

We probably all smile at thinking of the times when we have told others of the things that have made us happy, yet inside we all know that most of the time, anything we do to try to achieve happiness is going to be momentary. People will let us down, chocolate will make us fat and possessions just never seem enough. 

 

We won’t find happiness if we look for it outside our own self. We will never be content unless we first find contentment within ourselves and the world we live in each day. Here are some thoughts that will help you discover how to be content and achieve happiness.

• Don’t spend money to find happiness. You will never be happy if you think money can buy happiness, or that happiness lies in possessions. It just leads to discontentment.

• Don’t worry about the future: Your happiness is available to you today. Many people live in the hope that tomorrow they will be happy. Expect happiness can be yours today.

• Find your happiness in believing: For many people, this belief is in God or a supreme being, but for others it’s found in believing in something. Life without belief is a life without hope. 

• Look at others who are in a worse situation than you and be thankful for what you have. Contentment and gratitude are the easiest paths to inner happiness.

• You need to want to be happy. Someone wisely said once “He is not happy who does not want to be happy”.

• Help Others... Their pleasure and appreciation will increase your own happiness.

 

In addition, be happy... True happiness lies in those three small words. Being happy is a choice. not a pursuit!

 

Consuming Raw Foods–7 Ways It Benefits Your Health

In 1970, something called the ‘raw-food-movement’ was started by Dr. Ann Wigmore. She believes that eating mainly raw foods could prevent many diseases and improve overall health. 

 

Since then, eating raw foods have become the norm all over the world. Nowadays healthy raw food is available everywhere, in restaurants and health food stores. Even celebrity chefs are doing it. 

 

Even if we do not want to follow along with this ‘raw-food-movement’ it is a fact that our bodies do need some raw vegetables and also raw fruits every day in order for our bodies to function properly. 

 

Some of the benefits of consuming raw foods are:

 

1. Healthier Nutritional Content: Organic vegetables as well as fruits have a much higher content of nutrition than frozen or canned and even cooked vegetables. The important (minerals, enzymes, vitamins) qualities of food are retained, instead of wasted by the process of cooking them. 
2. Improved Digestion: Because raw fruits or vegetables are crunchier, we have to chew them longer and harder than cooked variations. Chewing is important as it breaks the food down smaller, it also mixes the saliva (which contains digestive enzymes) with the food before it goes to the stomach. This helps the digestive process.
3. Improved Alkalinity: The alkalinity in our bodies is connected to the foods we consume. Consuming only cooked foods can result in an acidic condition inside your body. This impairs the immune-system, thus leading to more illnesses. 
4. Energy Levels are increased: Raw foods are full of energy straight from the sun. They also contain large amounts of minerals, enzymes, vitamins, etc. A combination of these two things maintains your energy levels during the course of the day.
5. Clarity of thoughts: Raw fruits as well as vegetables clear your mind and help you to think more clearly. 
6. New flavors: If you don’t eat enough raw foods, you should add some into your diet, this will help your meals to be flavorful and bring in a new texture. It will pull you out of your rut and inspire you with new cooking ideas. 
7. Weight Loss: Adding raw foods to your diet will help you to lose weight, whether you are starting a new diet or just trying to maintain a healthy weight, eating raw foods will help. 

 

About 40 to 80% of what you eat every day should be raw fruits and/or vegetables. In colder climates you could eat raw food late in spring, during summer and in early fall. Then in colder months you can eat cooked foods. 

 

A couple of easy ways to increase your intake of raw foods are:

 

• Drink a vegetable smoothie at breakfast, at lunch, as a healthy snack or just on your way to work.

• Eating big salads for either your lunch or your dinner is a good idea. Mix fresh greens and any other vegetables like tomatoes, cucumbers. If you want to get creative there are many options, green beans, celery, mushrooms, avocado, radishes etc. The list is endless. 

• For a healthy snack, you can have vegetables and a dip.
• Try new things. You can make a wrap stuffed with all kinds of delicious vegetables. Tomato, sprouts, lettuce, cucumber and guacamole. 
• For dessert, try eating some fruit salad. 

 

When starting out with this new diet, you should begin slowly as it could cause some digestive discomfort if you change your diet too quickly. Build it up gradually and you’ll soon see the results of eating raw foods.