Life's Learning of a Filipino WAHM

Work-at-home Mom's Inspiring Stories and Experiences| Beautiful Quotes| Events| Gospel | Prayer

Life's Learning of a Filipino WAHM - Work-at-home Mom's Inspiring Stories and Experiences| Beautiful Quotes| Events| Gospel | Prayer

Investing in Exotic Bullions

Bullions are bars of metal with great value. Often, bullions are in a form of gold, silver and platinum but we are going to talk about the exotic ones like copper, brass, nickel, aluminum, and rhodium.

If you would ask, most of the people will highly invest gold and silver bullion because of the worth but why do other people invest in exotic bullions? Because of the increase and decrease of the economic status, the law of supply and demand will also determine the market price of the bullions. We cannot predict the demands of the market so we cannot know what metal is in great request. Continue reading

Pay School Fees in a Breeze

College is certainly expensive whether you are taking courses on fisheries, holticulture and aquaculture. With tuition, books, housing and other expenses, the cost of a college education keeps going up. Even with scholarships and the financial aid options available to students, chances are you’ll still need extra cash for everyday expenses.

What happens when there’s an emergency? If you are just barely scraping by as a student, what happens when your car breaks down? There’s a trip to the emergency room? Or you have an expected school fee to pay? These can be a scary scenario to be in, especially as a student, but fortunately, there are options to get the cash you need to survive.

college books
Image by wikipedia

Payday Loans

One option for getting the cash you need for an emergency is a payday loan. If you have a job and can prove a weekly income, you can qualify for a payday loan. You work hard for your money, so you might as well have it available to you when you need it. You can use a payday advance to pay for many of your everyday expenses, as well as your unexpected need such as:

  1. If you have a car that gets you to work and school, a payday loan can help you pay for a repair or a car accident.
  2. Sometimes, accidents happen or you get sick. You are especially vulnerable to illness when you are a student. If there’s a trip to the emergency room or an unexpected hospital stay, a payday loan can pay for those hospital bills.
  3. From time to time, your tuition may rise. It seems that tuition rises every year, but if there’s a sudden increase in tuition, books or fees in the middle of the school year, you can use a payday advance to help pay for those expenses.

How to Choose a Payday Loan Company

Before you go out and get a payday loan, make sure you are choosing a company with a good reputation. You want to work with a company that has great reviews. To find a good company, there are a few things you can do.

  • Ask friends or family for recommendations. Maybe someone you know has been in a situation where they need a payday advance. Ask about their experience.
  • Research online. Search for payday loan companies online. For example, you could search for Great Plains Lending and see what kinds of services and recommendations are available.
  • Talk to the company. Make an appointment with the company you are thinking of doing business with and just talk to them. Get your questions answered, and see how you feel after asking a few basic questions.

Sometimes life throws surprises at us. When unexpected expenses arise while in school, remember there are options to help you through a tough financial time.

Deciding on a Loan to Start a Business

deciding on a loan business
Image by bredgur via Flickr

There are plenty of loan companies that are willing to help people start their own business. However, because there is such a variety of companies, loans, and interest rates, it can be tough to decide which one is right for you. Consider the following questions to help you decide which type of loan to get when starting a small business.

How Much Money Do You Need?

Begin by determining the cost of your business expenses, such as building or renting a space, buying your initial products and licenses, and anything else that may cost you money. You may want to consider taking out a little extra for unseen expenses, but don’t take out more than you can handle. After you determine how much money you need, you can now narrow your list of appropriate loans.

How Long Will It Take to Pay Back?

Knowing how long it will take to pay back a loan will help you manage your business’s finances better. Would you rather make smaller payments over a long period of time or larger payments in a short amount of time? You should have the answers to these questions before you take out a loan.

How Will You Pay it Back?

Having a plan on how to pay back your loan is vital in order to avoid bankruptcy. You probably want to lean towards personal installment loans, as they are easy to get and simple to pay off. Some companies will offer several thousand dollars in personal loans and will allow you several years to pay it off in equal monthly payments.

What Can You Use as Security?

There is always the possibility of your business failing; for many businesses it is within the first year. You need to have a back up plan if you can’t pay off your loan with the money your business is making. If you are setting up a sole proprietorship, you may consider declaring your home or car as security. However, if you are applying for a business loan as a partnership, you should split up the cost of the loan between all owners.

deciding on a loan business
Image by jferzoco via Flickr

For most people, taking out a loan to start a small business is crucial because it may be their only option, and having a plan on how to get the loan and pay it back is just as crucial. As you decide on the type of loan you want to get, consider a reliable and trustworthy company that offers personal installment loans without any hassles or hang-ups such as credit checks and other restrictions.