Do Payday Loans Help?

Payday loans or payday advances are made by lenders to borrowers who have an urgent need for a small amount of cash. Typically, these loans are characterized by:

• Being unsecured
• Short term duration
• Extremely useful in an emergency
• Having high interest rates and
• Typically advanced against the borrower’s payday

These instant cash advances are made to people who can show employment records and the ability to pay back a loan when he gets his paycheck. Payday loan has several advantages associated with it. One of the biggest ones is the fact that it helps the underserved or unserved niche of the population. Banks may not lend money to everybody. But with a payday loan, a person can borrow a small sum of money to help him tide over some emergency or requirement. With the swiftness with which applications for a payday loan are processed, this also helps people who have an urgent need for money. A payday lender promises extremely swift and simple processing of loan applications.

The USA is governed by different laws in different states but generally speaking, this is one industry which is legal and very controlled in 37 of the country’s states and considered illegal in 13 states. A payday loan works with high interest rates usually put down as annual percentage rates. These rates range up to 780 in the USA. So in case you are interested in getting a payday loan, do pay attention to the state and federal laws and especially to the rate of interest that you will be repaying at. This is even more important when you have the need to extend the payback period.

One more advantage of getting a payday loan is the fact that you do not need an excellent credit rating. You will need to have a job though because most of the times, the repayment of the loan is linked to when you will get your next paycheck. Ideally, opt for a payday loan only in dire emergencies and when you simply do not have any option of borrowing money. Also, do try and ensure that you pay it all back when your paycheck comes in. With the ease with which you can get a payday loan, comes the certain knowledge that the interest rate will bog you down if you do not pay back in time.

There are a few documents that you have to produce before or when you apply for a payday loan. Apart from the proof of a job and the date of your next paycheck, you also have to be a US citizen and have a bank account in your own name too. Most online resources and websites of payday lenders offer very simple loan applications or forms which you can fill out and expect to receive the money within the next working day. Some companies also promise extremely fast response time and state that you could even SMS them for a payday loan in front of an ATM machine and a few minutes later, can withdraw the money from the ATM. Do check out all terms and conditions before signing on with a payday loans company.

How to Lower Healthcare Costs

Healthcare starts with diagnosis and extends throughout treatment and prevention of illnesses, injury, diseases and impairments. Practitioners—doctors, dentists, nurses, pharmacists and care providers—in diverse disciplines globally specialise in areas related to these fields, including plastic and cosmetic surgery.

As costs rise we see changes to healthcare, such as America's Medicaid and the UK's National Health Service (NHS). Research and studies are aimed at improving healthcare for people all over the world. Internationally, people now have to find ways to lower healthcare costs, so that all from the wealthiest to the poorest may have their basic needs met. 

Medical tourism and private healthcare plans aim to make private care possible too for those in countries where healthcare is expensive, or if there are long waiting lists for organs, surgeries or treatments.

We can all contribute to lowering healthcare costs by trying to stay healthy and living healthier lifestyles. However, at some point we all need healthcare. In the UK citizens support NHS healthcare through payments of National Insurance (NI) from employment or self-employment. 

Prescriptions are paid for and some medical and dental treatments have banded costs. However, certain treatments may not meet NHS eligibility criteria, such as dental implant treatment or cosmetic surgery. In these cases, individuals rely on other options to reduce healthcare costs

We may be able to lower the cost of healthcare by:

• Joining our company healthcare scheme
• Taking out a private healthcare insurance or healthcare plan
• Comparing costs of medication via prescription versus over-the-counter
• Researching healthcare and treatments abroad
• Supporting healthcare charities

Not all are employed by a company with a healthcare scheme and not all companies offer one to employees. Like a pension these schemes may offer insurance to cover certain medical expenses if an employee is in need of healthcare. These schemes may provide the financing for private health care.

Private healthcare insurance enables individuals to pay reasonable monthly premiums for certain private care treatments. Premiums may be stepped to cover basic to more advanced healthcare needs. Increasingly popular, healthcare plans are an affordable way to have choices in private healthcare.

Checking with a pharmacist to see if prescribed medicines are available over-the-counter at lower cost or generic may reduce healthcare bills. For more affordable treatments, many are researching options of healthcare treatment abroad in other countries. Others rely on healthcare charity for organs and care.

More about healthcare costs and cosmetic surgery saving ideas can be found at the home of Cosmetic Surgery Consultants.

4 Steps in Notarizing Your Signature on Financial Documents

To be always safe when it comes to your financial documents, it is a common practice to have those notarized by a notary public. In doing so, you will secure yourself from becoming a victim of fraud. The notary acts as an impartial observer in the signing of documents, and at the same time, establishes that the signers understand the document. The notary will also check the identity of the persons involved in the signing, making sure that no one is misrepresenting themselves.

If you are ready to secure your financial papers, do the following instructions on how to get your signature notarized:

1. Obtain the services of a notary public. Finding a notary to perform notarization on your documents is now made easy with the Internet. Before, you still have locate one using a telephone directory, or by going to your bank or postal office. Using your computer, smartphone, or tablet, you can visit a search engine and type away the correct keywords like “notary public” plus your area. Or to make it easier, you can go to FindNotary.com, which has an extensive directory of notaries public in the United States.

2. After locating a notary public, you can bring your documents, together with any valid proof of identification, to their office. Alternatively, you can also acquire the services of a mobile notary -- if you can’t or don’t like to travel. The mobile notary will go to your place and perform the notarization there.
3. Sign the documents in front of the notary public. It is best that the notary should witness each signing. Please don’t forget to also affixed the correct date under your signature.

4. Once you have finished affixing your signature, it is then the notary’s turn to also signed the document. A properly notarized document should contain the notary seal. The notary’s name, state’s name, and the notary’s commission expiration date should be complete on the seal.

If you have not skipped any of the steps above, you should have no problem in getting a correctly notarized financial document.


About the Author:

Casey Likeness is the Director of Support for FindNotary.com and has published a number notary-related article. Follow him on Twitter - @NotaryFind.