Why Payday Loans Have a Bad Reputation

Payday loans are the method of choice for millions of consumers whenever a financial emergency arises, as they offer quick cash in times of need, and are easy to apply and qualify for. So why are so many people bashing the payday loan industry? It’s simple, really. They see the unlawful actions of a few and assume that everybody is doing the same things – not disclosing terms, taking advantage of borrowers with usurious (excessive) interest rates, or in some unfortunate cases, requiring money up front; these loans are referred to as “advance fee loans,” which are Internet scams that have snookered hundreds of victims.As with any industry, there will always be some “companies” that seek to mislead customers to make money, all the while giving the industry a black eye. In addition to this, many borrowers take out payday loans without fully comprehending the terms of the loan, which obviously does not make for a positive experience. The fact remains, however, that obtaining a payday loan does not have to be a bad experience. If you research companies thoroughly, deal only with reputable companies with a proven track record, and carefully read the terms of a loan, you will find that obtaining a payday loan is a perfectly safe, manageable means to rectify your financial situation.Let’s examine the reasons why people choose to shy away from payday loans further. First, as previously mentioned, many borrowers are either not informed of the terms of the loan before signing the document, or simply gloss over the terms without fully understanding them. All of a sudden, the borrower finds him/herself in a precarious situation. It is mandated by law that lenders MUST disclose all terms in the loan agreement, including the interest rate and schedule for repayment. By simply reading over your loan agreement before signing it, you can decide whether or not you want to proceed.Secondly, let’s be realistic – the interest rates associated with payday loans are rather sky-high. What one must realize is that you are paying for convenience – you are getting fast money at a much higher interest rate than a regular loan. Whereas approval for a regular loan could take weeks, approval for a payday loan can be almost instantly. Credit does not factor into the decision either, so applicants with bad credit or no credit can get approved – when you consider all these factors, it is not hard to understand why lenders are able to get away with charging high interest rates. A rule of thumb to remember, as you have probably seen elsewhere, is you will be charged $15 for every $100 you borrow. The bottom line is, that if you borrow infrequently and responsibly, payday loans are the ideal short-term solution for a financial emergency.Probably the most unfortunate reason why payday loans get such a bad rap is because many borrowers misuse and/or overuse payday loans. They simply rely on them too much, and use them for unnecessary reasons, such as to go on vacations or purchase expensive things. That is not what payday loans are supposed to be for! Payday loans have an explicit purpose – to provide short-term financial relief for emergency situations – a hospital bill, car problems, etc. Overusing payday loans is another problem, as many borrowers have gotten into situations where they have to roll over loans because they cannot repay them. This results in financial ruin, as finance charges pile up and all of a sudden your financial “emergency” becomes a financial “nightmare”. Again, if you borrow infrequently and responsibly, this can be avoided, and payday loans can be seen for what they are.In conclusion, there is a common thread here – in order to get the full benefit of a payday loan and ensure that your experience is as smooth as possible, the onus is fully on you to make sure you do not either get taken advantage of or plunge yourself further into debt. By dealing with reputable companies, such as industry leaders OneHourCash or PayAdvanceLending, you can avoid being taken advantage of and feel secure knowing you are dealing in good faith. Lastly, by borrowing ONLY for financial emergencies and not for unnecessary things you can live without, you will be able to avoid any further debt and the despair that comes along with it. It is up to you – do your research, and make the right decisions.

Direct TV Offers An Incredible Array Of Channels

Over the past years, increasing numbers of cable subscribers have decided to switch to satellite TV. With rising costs and limited programming available through cable, these people have made the right choice. Directv is the leading satellite TV provider with more than 14 million subscribers and provides many options in equipment and programming all at an affordable price. While cable TV transmits its signals through limited bandwidth cables, satellite television uses geosynchronous satellites that broadcast the signals to individual satellite dishes. Because these signals are transmitted through virtually unlimited electromagnetic waves, satellite TV is able to offer many more options than a cable subscriber is used to. This becomes apparent when you look at all the benefits that come with Direct TV.

For starters, Direct TV offers an incredible array of channels with programming that appeals to everybody. The basic package includes over 155 channels with favorites such as Disney, Comedy Central, USA, and ESPN. With 30 extra channels, the Total Choice Plus package provides an incredible assortment of XM commercial-free music stations and more family favorites like Discovery Home, The Golf Channel, and Nicktoons. For people who love movies and sports, Total Choice Premier is the ultimate home entertainment package. With stations such as HBO, Starz, Sundance and Cinemax, the whole family will find the movies they’ve been waiting to watch, and 30 sports channels will keep the sports fanatic up-to-date on all the latest games. And if more programming is wanted, Direct TV offers options such as Pay Per View, adult channels and seasonal sports subscriptions. Sports fans will love such options as the seasonal subscription to the NFL Sunday Ticket, which is broadcast only through Direct TV . And, if you are worried that you have to give up local channels with satellite TV, Directv is able to offer locals for almost every area in America.

With all the great programming, high quality picture and sound is of utmost importance, and Direct TV delivers in this capacity too. With 100% digital picture and CD quality sound, whatever is being viewed will come across crystal clear. And for people who have already invested in high definition equipment, a special HD Package is an option. HDTV increases the resolution and sound quality of your television tremendously, making it seem as if you were in an actual cinema. Upgrade to a Free Direct TV HDTV receiver and get 4 months of free Directv HD programming.

Along with an incredible array of programming with great picture and sound quality, Direct TV offers benefits such as the Digital Video Recorder (DVR). This amazing device is electronically interfaced with the satellite system and can record one station while another is being watched, pause live TV, or even rewind and replay live TV. It even allows interactive services such as horoscopes, weather or lottery results and a “find by” feature makes it easy to locate a program by title, actor, keyword or channel. In addition, a Parental Control feature makes it easy for parents to limit their children’s viewing with the ability to block channels or shows, or set time limits for watching.

Direct TV even offers Internet service, making it easy to combine all of your telecommunications needs into one monthly bill.

For its great features, large array of programming, and commitment to customer satisfaction, Directv stands out above Dish Network, Comcast, CableVision, Charter Communications other cable television providers for excellence in providing great home entertainment. Start now. Switch to the best quality home entertainment in .

Finance & Banking Sectors Still the Major Players in IT Recruitment

A leading UK recruitment agency in the IT jobs sector has released data from their Q1 2009 records which indicates a strong resilience in the financial and banking sectors regarding their Information Technology recruiting power.The recruitment agency in question is well placed to provide a litmus test for the UK IT jobs industry having nationwide coverage and a wealth of experience in sourcing and placing vacancies and candidates in the IT sector. The strength of these sectors spans both temporary/contractual positions as well as permanent vacancies. The figures used are all based on actual client requirements that were received over the given period; as such they show national averages and consequently do not reflect specific regional differences.Contractual positions: 1. Finance; 2. Banking; 3. Investment Banking; 4. Government; 5. Telecoms.Permanent positions: 1. Finance; 2. Banking; 3. Pensions; 4. Telecoms; 5. E-Commerce.Given the well documented problems in these sectors in the second half of 2008 and the mixed results coming from the large financial institutions in 2009 so far, it is encouraging to note that these major players in IT recruitment are still topping the list for demand for IT talent. This helps to show the resilience of the IT sector, especially in organisations such as those in banking and finance which heavily rely on high tech systems and computerised data collection and distribution.Although in the back end of 2008 there were numerous redundancies across all job and industry sectors, including IT, the strength and importance of IT workers is borne out by the strong showing from these sectors which were most badly hit in the UK recession. Highly skilled technical staff in the demanding fields of IT programming, analytics and system architecture will always be in demand and are still able to command excellent salaries. Forming the lynchpins of virtually innumerable financial related institutions, the IT systems experts are finding that their skills are once again becoming increasingly in demand as the large organisations start to plan for the upturn that can be expected in the wider economy over the coming months.There may be more of a tendency in the short term for some companies to favour offering shorter term contracts, but as the economy stabilises and begins to show signs of growth we can expect to see a slight shift towards long-term and permanent contracts being offered to the most skilled IT staff, because the need for such professionals will be increasing all the time and companies will be keen to hold onto the top talent.Indeed some companies may already be rueing releasing IT workers last year only to find that they are now urgently in need of the very same skills even now as the first signs of recovery are being felt.The agency continues to closely the monitor the entire IT sector and as the year progresses will be making further informed observations about the UK IT jobs sector. On this evidence, the IT industry certainly remains a strong career path for relative stability and demand for skills.