Your parents’ golden anniversary is on the doorstep and you have called up dozens of gift shops asking for a present inside your budget but can't find any. Your son wants to join a course in management, but you`re short on cash as it is the middle of the month. Is the momentary monetary crisis stopping you from pursuing your dreams? By acquiring a quick loan service, you can get the amount you need on the same day you ask for it and relish the happiness of pursuing your dreams.
Not only can you buy your mother and father an expensive gift and pay your son`s hefty course fee but you can also stay away from fines by paying your bills regularly with the help of quick loan service. Such debts not only take care of your immediate worries but help you maintain your luxurious lifestyle as well. Private financial groups provide you a quick loan service fast as they understand your urgent needs and for doing this, they minimize the requirements needed to be fulfilled to get the loan.
Mostly your loan application will be approved on the day you submit it. The money is transferred on the same day in most cases but sometimes there may be a delay so the amount may be transferred on the next working day.
These loans are a relief for the people who belong to the lower middle class for whom even infrequent carefree expenditures can be taxing.
Comparison Between Quick And Regular Loans: One of the most important differences between quick and regular loans is that the amount associated with quick loan service is small as the name suggests. The time period for such debts is also small ranging from 1-4 weeks which is far lesser than those of regular bank loans. The process to obtain a quick loan service is very simple and can be done online. Website for quick loans simply explain how the system works. However, this is not possible in case of big ones as banks only sanction loans after the applicant visits the banks and provides all the documents personally.
It is possible to get a quick loan service fast but not a bank loan as banks usually take a week or two to approve any debt requests. You can easily get a quick loan fast as the private lending firms don`t check the credit history neither ask for a collateral- two things which usually delay the acceptance of applicants for bank loans. The interest rate associated with such debts may seem very high but the important thing is that the extra amount paid as interest in quick loan service remains small due to the fact that the interest rate is applied only I need a quick loan service once to the loan amount due to the small time period in which the debt is to be returned.
Application Procedure For A Quick Loan: If you want to get a quick loan fast then you must follow the instructions given below.
The first step while applying for a quick loan is to find out a lending company which can offer you the loan at the best terms and the lowest interest rates. It is important that you assess your urgent, short term requirements. Do you need a large amount or will a small debt amount be enough. Deciding the amount will help you in choosing the firm you want to attain the sum from. Usually the firm which offers you a good principal amount also charges a considerable rate of interest.
Once you have chosen the best company, you should go to their online website and fill out the application. Don`t forget to attach the required documents. If your application is approved, then you will get an email from the company informing that your application for the loan has been accepted. Within hours of the approval email, you should get the amount in your bank account as well.
All in all, these loans can be really helpful in catering to your urgent cash needs. They can help you get the money you need as soon as possible as private lending companies transfer a quick loan fast and easy to the applicant`s bank account. As the sum associated with such debts is small you should have no problems in returning them on your payday as well. It is highly recommended that you pay the debt by the last date because otherwise, you may have to deal with fines and higher interest rates.
With the ever-rising costs of college tuition, many students are reliant on scholarships to be able to go to college. This has led to increased competition for the limited number of scholarships and other financial aid. However, there are a few tricks that you can use when writing scholarship essays or responses that can substantially improve your odds for success when writing scholarship essays or responses.
Unfortunately, the prompts for scholarships can vary widely, but some of the most common are a variation of the following:
Where do you see yourself in 5 (10) years?
Explain why you are a good candidate for this scholarship.
How will your collegiate studies contribute to your life goals?
How have you demonstrated leadership (or another ability) in your life?
You may have noticed that the common theme is a probing question asking you, in one way or another, how you stand out from other candidates. The prompt is usually quite straightforward, but it is important to avoid sounding bland and falling into the same traps as other candidates. An ideal essay will highlight a candidate's academic achievements, extracurricular activities, financial need (if applicable), and personal drive.
Know Your Audience
Before diving into your essay, it is critical to know to whom you are writing. If you are writing to an individual or a family, it may be beneficial to Google them and find out what they do in an attempt to relate to their experiences and it is likely that hard work or financial need are some of the most important factors to them. If they are alumni of your school, be sure to mention the school.
If you are writing to someone unnamed, it is probable that it will be a committee in the scholarship office or someone from the department that houses your major. In that case, it is usually more beneficial to talk about the school and the department, invoking the school’s motto or creed if possible (without seeming forced).
The most important rule for knowing your audience is knowing how formal or informal to be. Generally stay as formal as you can, but if the addressee is an individual that you can relate to personally, it is usually worth the risk of going informal. Remember, you have to stand out.
Avoid Typos and Unimaginative Descriptors
One of the most common mistakes that disqualify a candidate for a scholarship is poor grammar or sloppiness.
This makes sense. Why would a committee award a scholarship to someone who didn’t take the time to proofread an essay? It doesn’t exactly scream academic excellence. Additionally, it is generally a good rule to avoid any contractions (hence, you should replace “don’t” with “do not” and can’t with “cannot”), as they are seen as a more informal form of writing. The same holds true for weak adjectives and adverbs. Avoid using bland words like “great” and “very”, opting instead for “tremendous” or “incredibly”. Readers will feel more sincerity and stay more interested in essays that avoid weak descriptors.
At the very least, it is a good idea to write your essay in Microsoft Word or a similar program. This allows you to catch more typographical and grammatical mistakes. Additionally, if you find you have used a weak descriptor, you can right-click and select synonyms for an idea on some potentially stronger alternatives. Finally, you should have someone you know read your essay for suggestions. It can never hurt to have a fresh set of eyes look at your work.
Explain What Winning the Scholarship Would Mean to You
At the end of the day, those in charge of giving scholarships want their decisions to have positive impacts. It is usually a good idea to mention the impact that scholarship money will have on you. If a scholarship means less you have to take in student loans or relieving hardship on your parents, who are helping you pay for school, be sure to emphasize that.
Your essay should clearly demonstrate your need and gratitude to the reader. Sincere flattery can go a long way, but insincere flattery could backfire, so be sure to mean what you say and clearly articulate when telling your audience what the scholarship would mean to you.
While these steps might not apply to all prompts, they can be broadly used in almost all cases. Showing awareness, drive, and sincerity can be as important as anything else you might say in a scholarship essay and will certainly help your chances of being selected for the award.
Using technology to help your personal finances is one of the best ways to get ahead financially. Gone are the days of ledgers and checkbook registers. Even many coupons are digital now.
Having helpful apps on your cell phone is an excellent way to track spending, save on purchases, and monitor investments. A quality iPhone or Android personal finance app can be addictive, which is a good thing.
If you have an easy-to-use app that you love to spend time with, you’ll be more likely to stick to your budget and become obsessive about saving money on items such as groceries or plane tickets.
In this article, we’ll look at some interesting and useful apps and desktop software you can use to help plan, save and invest for your future.
Budgeting Apps and Templates
Having a budgeting app handy on your cell phone will allow you to budget at any given moment of the day. You could plan your finances during a television commercial, log in your food receipt while waiting in line, or set up next month’s expenses while waiting for your dinner to cook. It’s so easy, that planning, tracking and saving could become a habit.
Here are two excellent apps and software:
Mint. Mint software comes from Intuit, the makers of Turbo Tax and Quickbooks. The software is available as an app and as online cloud software. It’s easy to use and comprehensive, with features like budgeting and bill pay. It also offers alerts on things you want to avoid, like paying fees, going over your budget, and being late on paying a bill. And best of all, Mint is free.
You Need a Budget. This app is a favorite of ours because it gives you more control over your budget. It allows you to account for every dollar of your income and lets you create savings goals for things like Christmas or a family vacation.
Sometimes you have a special project or need a document like a personal financial statement or a debt list template. Vertex 42 has a wealth of templates that may fit your needs. All templates work with Microsoft Excel, Open Office, and Google Sheets.
Be sure to choose an app or software that you like and understand so that you’ll be more likely to use it.
Apps that Save you Money on Purchases
You don’t have to do much clipping any more to use coupons and get discounts on household items. With apps, you can easily look up items that you consume to see if there’s an available discount.
Technology makes it easy to save because you can use search functions. One of the most useful apps is the Skyscanner, which tracks cheap flights for you and tells you when to purchase.
Two great apps that will help you save money on local activities like the movies and restaurants, are LivingSocial, and Groupon. Both apps make it easy to have fun locally while getting a deal on outings you like.
GasBuddy will help you find the cheapest gas closest to you. This can be helpful if you’re on the road in a new town and have no idea where to stop. BestParking will do the same, but with finding cheap parking when you want to go out or travel somewhere you’re unfamiliar with.
Savings and Investments
Technology has taken stock investing to a whole new level. Now you can learn how to trade for free with virtual money on apps like Stash and Stock Market Simulator. They’re both easy to use and excellent for people who want hands-on learning before investing with real money.
Stash will help when you’re ready to take your investing to the next level too. All you need is $5 to get started with an account.
Another outstanding savings and investment app is Acorns. Once you connect your debit and credit cards to the system, it rounds up every purchase you make and invests the spare change across 7,000 stocks and bonds. You can elect to invest more money automatically or make a one-time payment into your investment account.
Using technology for personal finance will help you budget, save, and invest wisely. Using personal finance apps can be fun and entertaining, and will help you focus more on your money.
Do you have a personal finance app, software, or template that helps you save, track, or invest your money?