What is Best for You, a Credit Card or a Payday Loan?

Most of you are probably already familiar with the terms “credit card” and “payday loan”. However, what many are not able to figure out is which to choose. What are the benefits of getting a credit card? What are the benefits of choosing a payday loan?

It is part of our reality: credit cards grow in popularity every day. Considering that the world prices have raised to the sky, world laws are becoming stricter, maximum amount of money that a person can earn is being limited, and so many other aspects that rule our daily life, the importance of having a credit card has increased significantly.

However, it is also true that credit payments will always put you in deeper and deeper debts the more you use them. To counterattack this, there is another existing method for workers, others than a credit card. These are solutions for workers who unfortunately run out of money and require instant finances to cater for their needs. This is where a payday loan comes to play.

What is a payday loan? If you are not already familiar with them, let me tell you that they a form of advance pay you acquire from the company you are working for , enabling you to take a portion of your income before the time you are regularly paid. This will limit you to only taking amounts that you can handle once you are paid. At the same time, this is an added bonus. It allows you to carefully manage your finances according to your financial status. A payday loan will have some kind of interest to be paid on them, but that depends on your employer. These are usually very low. There are existing cases in which people are so well reputed in front of their employers that they have been charged no interest on these loans at all, mostly the employer asks for some kind of added payment, which you can pre decide at the time of taking the loan.

Overall, reviews have also stated that a payday loan will keep you in a limit, while the attraction of making payments with credit cards has many hidden costs that always lead you in a mind aching situation which goes very out of hand.

Gold Coins Once More

Why should we buy gold coins instead of other investment instruments? According to US Gold Bureau, when the dollar declines, gold goes up. Plus it has been proven for centuries how gold can preserve one's wealth simply because it is backed by something physical and solid, and not just paper. It is indestructible and will remain valuable even with it's smashed into bits. It's the safest way to increase your family's investment and protect yourself from inflation. If you want to know more how to invest in gold, just visit the US Gold Bureaue website. It's important to research thoroughly especially when it comes to money matters. Even better, subscribe for one year to The Fold Monitor and learn the 10 mistakes people make when buying gold and educate yourself on how to purchase the right precious metal so you can have higher returns in the end.

Invest in Gold and Increase Your Wealth

Why should we invest on gold? That's one of the questions I always hear whenever precious metals enters a conversation. I used to be clueless too but that was before I learned about monex. If you're interested to buy gold in coin or ingot form, this site is your step to learning everything you need to know.

Monex (MCD) has been providing precious metals for over 40 years now via personal delivery or safe storage at a bank or depositor. They are America's gold, silver and precious metals investment leader so you'll know that you are dealing with the best and the safest.

But back to our original question, why gold?

1. Gold unlike paper does not wear out when passed from hand to hand
2. You can carry a small amount anywhere and this amount can purchase a surprising amount of goods and services.
3. It's your own protection against the fall or U.S. dollars
4. Offers you a solid, long-term and tangible way to protect your wealth.
5> Also applies to outstanding short-term trading vehicles.

Buying Gold

Gold investment is a nice way to preserve money as it doesnt really depreciate. You can buy them in the form of gold coins or bullions. You can purchase silver, gold or other precious metals and coins for immediate personal delivery or arrange for convenient and safe storage at an independent bank or depository through Monex Deposit Company (MDC). American eagle gold coins are available in units of 10 one-ounce coins for personal delivery only. .9167 fine gold. Legal tender coin in the USA with a $50 face value. Also available for personal delivery only in fractional sizes of ounce, ounce and 1/10 ounce, in units of 20 coins each. Silver also is a nice investment. There may never be a better time for buying silver bullion than right now. World demand for silver now exceeds annual production, and has every year since 1990. Above ground stockpiles of silver bullion are low, shrinking rapidly and approaching zero.

On Stock Trading

Even though the stock market remains to be a shaky industry to be in right now, there are still many who invest in stock options. There is a now a better, easier and faster way to manage stocks - PowerOptions! It provides the essential data you need to invest with stock options. It is the only internet-based data provider that gives investors SmartSearchXL®, a patented decision support technology that identifies the highest return option trades. Since it is patented, you won't find it anywhere else. You can do more with stock trading - find, compare and analyze stock options faster, thereby, making money faster too!

Gold Investment

With the continuous fall of dollar, financial experts are suggesting to look into investing in silver. The world demand for silver exceeds annual production. Above ground stockpiles of gold bullion are diminishing rapidly and now that the U.S. government is a precious metal buyer, it is now a great investment vehicle. You can purchase silver, gold or other precious metals through Monex Deposit Company (MCD). You can have it delivered immediately or arranged for convenient and safe storage at an independent bank. The potential investor should always check the reputation of the selling firm and its record for delivering the merchandise as promised. Monex Precious Metals has a large and dedicated staff of hard asset professionals committed to serving your precious metals investment needs.

Gold Investment

Looking to invest on rare coins and other precious metal products? Monex Deposit Company (MDC), with its unique combination of expertise, experience and financial muscle, can help you find locate the best and highest-quality rare coins available in the market. Their team of experienced professionals will give you immediate access to a wide range of investment-grade coins, valued in excess of $10,000,000. When you're dealing with rare coins, it's always best to trust the experts such as Monaco Rare Coin. They can help you find opportunities available in the rare coin marketplace, guard you against possible market pitfalls and help you build a world-class rare coin portfolio. Being a part of the Monex family of companies, Monaco stands behind its recommendations, market information and quality selection.

Home Ideas

While we're in the subject of re-decorating, let me post here some photos that I really liked from the decorology blog. Thanks Alpha for sharing the link!

These are just amazing. I wish we can do something similar to our future kitchen. We don't even have a house yet and here I am already worried about our kitchen setup. I like how they maximize the space using shelves and racks. And the skinny bookshelf looks really nice! I wonder if I can do the same thing to our hallway now?




*photos from http://decorology.blogspot.com

Ah, to dream the impossible dream. Soon I will have a house of my own and I will use all these ideas to turn it into my dream house. It's all I can do now. But at least, I'm dreaming of something attainable, unlike the husband who pretends that he's shopping for Ferrari parts.

Money Management

Speaking of cash advance, my brother-in-law who just started his On-The-Job Training is looking to buy a laptop. My mom-in-law doesn't want to give him money again. He was given half of the total payment last month so he can save the remaining on his own. However, being young and all that, he spent almost all of it on new office attires, expensive lunches and daily cab fares. So I told him to apply for one of those fast cash payday loans. He's earning enough money anyway from his OJT allowance that if he tightens his belt a bit, I'm sure he can afford to pay for the loan. And if he doesn't, at least he'll learn the hard way that money doesn't grow on trees.

Our Poor Wallets

Christmas is fast approaching and everyone I know is into shopping mode. In fact, I've spent more than $500 already on gifts for favorite friends and close family members alone. Thank God for online coupons or I would've been bankrupt by now.

I bought plenty of gifts for the two most favorite people in my life so I don't mind spending. It's so much cheaper on what I originally planned too. I wanted to treat the family on a one week vacation in Palawan, just in time for my husband's birthday. I saw this cash advance online and thought of trying it out because I won't get my sideline earnings until January. But at the last minute, I've decided against it. We already spent a lot of money last month (Sandy's birthday parties and hospitalization) and we're booked to go to Boracay this November. Having another beach trip on December might be too redundant. Besides, we can always go early next year as soon as I get my payments from my previous projects.

The New Rich

Rags to riches - it seems that the particular phrase coined to describe people who worked hard to get rich, or people who were poor before and just became rich has a new term - Noveau Riche. This is the opposite of what we call those who have wealth in their bloodlines ever since - the "Old Rich." The Noveau Riche, literally meaning "New Rich" in French, has been creating a lot of buzz lately with the spotlight on a few outstanding people from their group.

People like Forrest Mars and Estee Lauder are part of the Noveau Riche. The people from this class category are not only people who really rose from rags to riches because of hard work. They have fresh, out-of-the-box, innovative and trendsetting ideas that people cant help notice the "Old Rich" do not have. They tend to stick to tried and proven methods.

So we better thank Forrest Mars for M&Ms chocolates (and Mars too) and Estee Lauder for the stuff that makes up pretty! Most of these people still choose to live simple inspite of their newfound wealth. An example of whom is Tsai Wan Lin, who founded Cathay Life Insurance. He was born to a poor rice farmer and up to now has an apartment as his home. Of course, the most famous of them all is William Gates III or Bill Gates to the world, the billionaire who founded what would the most used software in IT Technology - Microsoft.

Classic Timepieces

One of the things that I will do if I win the lottery is to buy breitling watches for all the men in my family. I've always wanted to give expensive watches as presents to my loved ones but I'm neither a celebrity nor a rich entrepreneur to be able to afford that. For now, I'm just happy to browse through these fine watches from the FeelGoodWatches.com web site. I still can't get over how expensive they are, especially the fact that other people can afford them. I've read somewhere that the Russian President Vladimir Putin wears the most expensive watch among Russian politicians. His patek philippe costs $60,000, which weirdly enough is also his annual wage.

The price of patek phillipe watches range from $9,000 to $160,000 at the Feel Good Watches web site. Some of them are pre-owned by the way so if you're looking for a classic timepiece at a relatively cheaper price, head over to feelgoodwatches.com and start owning your very own patek phillipe or Jaeger-LeCoultre.

Lake Properties You Can Afford

I've read about an interesting approach in owning a Minnesota Lake Property. Buying a lakeshore property can get pretty expensive even the time shared ones. Solution? Buy a "park model" RV and a lot with resort type settings. RV Properties is now getting popular in the real estate industry because of its affordability and convenience. With RV lots, you can have a cheap getaway with resort-type amenities. Some parks have clubhouse, golf, entertainment rooms and a community pool.


So you think this is something that you'd like to try? You can check out Lakeshore Ventures for their listing of RV lots for sale. There is also a sample computation on how much you will have to shell out if you buy vs. rent. Personally, I'd love to have the opportunity to own an RV lot. I've always wanted to camp in the woods / lake with the comforts of home nearby.

Anyone can get auto insurance

I always believe in the term, the more, the merrier. This also applies to companies competing to offer you their services. The more quotes, the higher the chances that they will compete to offer the lowest price. Whether it's for home insurance, pension plans or auto insurance, the process is the same.

A friend of mine always gets quotes for auto insurance at americancarquotes.com. She said it's so convenient that all you need to do is just fill out one form online and receive several quotes immediately. Plus, they guarantee that each auto insurance company that they have in their database are the leaders in the insurance industry. Using the info that you fill out on the application form, americancarquotes.com will match your requirements with the company that's right for you. Even if you have poor records or just a student, americancarquotes.com can help you find the right auto insurance package.

Best Crdeit Cards?

Here's a site that’s making great use of typo errors - crdeit cards. What it does is lead all users who have mistakenly typed crdeit cards instead of credit cards to his website. The website itself helps you find the best crdeit cards online by featuring credit cards that offers the most benefits. They also provide online application that can guarantee immediate approvals depending on your credit standing.

One of the credit cards featured from their site is American Express Blue. With this credit card, you can have up to 5% cash back plus exclusive savings from your favorite shops. There are only a total of three crdeit cards available for now but soon, it will feature credit cards for rewards, airline miles, lowest interest, biggest cash back, etc.

Selling Structured Settlement

Do you suddenly find yourself in need of money? One thing that you can do is sell structured settlement. Structured settlements are financial arrangement to resolve a personal injury claim. Since you're the benefactor, you have the right to sell future structured settlement payments so you can use it for immediate needs. Whether you need pay off your existing debts, send tuition to school or need money for house renovations, you can turn your settlement into cold cash.

However, according to an article I've read online, most state laws require that a proposed settlement factoring transaction should be in the best interest of the seller. It takes into consideration the welfare and support of any dependents, the purpose for the funds, mental and physical capacity, and potential need for medical attention in the future.

Quick Loans

In relation to my post below, I know how important it is to have a back up plan when it comes to finance issues. Even if you think you have more than enough to last a month, you never know when you will need extra cash. Let's say you were hospitalized and spent your whole month's salary on hospital bills. You may have about two weeks left from payday but there are bills that need to be paid as soon as possible. Not mentioning putting food on your table. Here's where payday loans enter the picture. Whether you're short of cash, need to augment your monthly salary or simply want to purchase something that's not part of the budget; there's no quickest way to get money than getting payday loans. The advantage here is that you get to pay your bills on time so you will not incur any penalty and charges. You will not believe how much we're paying for credit card interests just because we didn't pay on time.

Financial Support

The Husband is hinting that he wants to spend his birthday in Singapore, just in time for F1 racing. My answer is always an automatic no because I'd rather go to the beach than shop/tour in Singapore. Plus I don't really have a budget for an out of the country trip. A friend told me she always gets cash advance whenever she goes on vacation but I'm not comfortable spending money that I don't have yet. Unless it's something huge like my daughter's educational plan, school tuition or unexpected car repairs and medical situations, I'll do my best not to spend beyond our means. Having said all that, it's still a great comfort knowing that we can always get cash advance in case of emergencies.

Selling Fab Eyewear

Hey stay-at-home-moms! Do you know that you can earn extra cash selling Discount Sunglasses? You can read more from the Wholesale Discount Sunglasses website but to give you a gist of it, here's how it works. You buy discount replica sunglasses at a wholesale price, let's say for $1 and then you sell them for $6-$10 a pair. You immediately earn $5 and up for each pair plus you can do it online or by joining fairs and bazaars near you.

These replica sunglasses sell like hotcakes because of its affordability and style. Everyone wants one, no matter how old you are or wherever you're going. Let’s face it, not everyone can afford designer sunglasses but I know a lot of people who'd love to wear something similar without leaving a huge dent on their wallets. Also, these sunglasses are different from the knock off types. They are not made of cheap materials and don't have designer brands or logos on them. But I assure you, they are equally stylish!

Aside from replica sunglasses, you can also sell various types including clip ons, buckle styles, aviator types, mirrored, polarized, poker, rhinestone sunglasses and many more.

The Business Side

I'm thinking of putting up computer rentals near Sandy's school. I noticed that new shops and services are sprouting like mushrooms in that area, including a new condo property. I want to take advantage of the opportunity that no one has thought of putting up a computer shop yet. The problem is I have no idea how to run a business. And I'm too lazy to go out and acquire business permits and such. Perhaps I can ask my mom to help me, she's an expert when it comes to business applications plus, she might do all the work for me LOL. That's what mothers are for right? I'm not taking advantage or anything. She finds these things exciting whereas I find excitement in planning details.