How Easy Online Payday Loans Saved My Life!

It may be hard to believe, but easy online payday loans did in fact save my life. I’m sure there are other stories out there similar to mine, but this one is definitely an eye opener — as it shows what can happen when simply “waiting” for your next paycheck.

A few weeks ago, my car broke down and I was left without transportation. This was terrible because I, like most people, rely on my car to get to & from work. I didn’t have any money saved and it turned out that I needed some major work done on the car — it’s the price I pay for not paying enough attention to my automobile.

I had but 2 options to choose from: hitch a ride from a friend & co-worker whom lived in the opposite direction of my job & home, OR borrow the money from somewhere and take care of the repairs immediately. Like most would do, I simply decided to wait until my next payday to take care of the repairs and have my friend cart me from & to work.

When he pulled up the first day, I was already feeling guilty, especially considering that he was going WAY out of his usual routine just to pick me up. That guilt only increased when he told me he was up an hour earlier than usual in order to pick me up. Suffice it to say, I was feeling pretty bad and decided that this wasn’t going to work out for an entire week.

That following afternoon, after I got off work, I started looking into payday cash advances and short term fast cash loans. It turned out that I could apply and have the money I needed within just a few hours. Like most, I was a bit skeptical and decided not to be “suckered” into this likely scam too quickly. Rather than just believe what I read, I did a bit of research and found out that these same day cash advances weren’t scams at all and they actually help a lot of people all over the world.

In all honesty, I was blown away at how virtually anyone could apply for one of these loans within minutes — all they needed to have was a valid social security number, a checking account, and a job.

After discovering this, I started my search for a payday lender and found one in less than 10 minutes. I applied online for a loan of $500 and was approved in under an hour! I was then told that the money would be deposited into my checking account within a few hours and I would be able to use it that same day, if not the next morning. With this news, I called up a local car repair service and had them tow the car down to their shop and repair it. A few hours later, the car was completely repaired and I was handed a bill for $446.84 — which was just shy of my $500 loan. I wrote them a posted-dated check for the following day, thanked them for the repairs, and then I DROVE my car home.

How did this loan save my life? Well, you’re about to find out…..

Just 2 days later, my friend — the one that was driving me to & from work — was killed in a horrendous, freak car accident. What happened was a huge semi truck plowed into the PASSENGER side of his compact car and he was killed instantly. Had my vehicle not been repaired, I would have been in the car with him at the time of the accident. Hence, I would NOT be telling you this story right now.

Realize Your Dreams With Fast Cash Loans

Emergencies can completely wreck your financial life especially if you have just lost a job or if you are the sole earning member. If such situations occur, don’t give up. You can certainly overcome the situation with careful planning. If nothing seems to work, you can always go for a quick cash loan. In fact, financial companies came up with the concept of quick cash loans only to provide you instant money to alleviate your financial problems. From health emergencies and prescription costs to car repair and home renovation, quick cash loans can be used for all kinds of financial needs. You can avail of this loan even if you want to go on a shopping spree and can’t wait for your payday. Fast cash loans are known by various names such as instant cash loans, cash advances, or pay day loans. These type of loans are easy to get and do not take much time due to lack of tedious paperwork.

Fast cash loans should be repaid by your next payday or else you are likely to incur heavy late fees. Fast cash loans provide you the much needed money to deal with expenses that cannot wait until the next payday. It therefore makes sense in repaying the loan as soon as you get funds. Extending this loan is possible sometimes though not advisable, as you will end up paying much more unnecessarily to the lender. It is certainly not worth paying this additional amount to the lender, as the loan term would be only marginally extended. So the sooner you pay to your lender, the lesser your outstanding amount will be.

Although quick cash loans are given out without much ado, they can serve only as a stop gap arrangement. This is because the amount you are eligible for is usually not more than $500. This amount is justifiable because the lenders do not bother you with harrowing questions as to why you want this loan. All they do is ask for your personal details, look at your employment status, and provide you the necessary funds in less than twenty four hours. You must not forget that do not ask for any kind of security while giving away a fast cash loan. Naturally, they need to find ways to ensure that they do not run into a loss. They thus place limits on the amount they provide through fast cash loans.

Fast cash loans are also given out to unemployed people and those with bad credit. The risk thus is even greater in case of such people and calls for higher interest rates in their case. To speed up the loan application process, see to it that you apply online. Banks and financial institutions usually respond to your loan application in less than an hour and if your application is approved you can expect money in your account within one business day. Fast cash loans can be an answer to your immediate financial needs. Make sure that you borrow only as much as required and repay it at the earliest so that you do not don’t get into further debt.

Is This My Car Or a Space Shuttle?

How car electronics change your daily life, on the road and in the auto shop

· You are driving to a friend’s house and the airbag light is flashing: Then you remember that it always does this when you have your dog Max in the back.

· You grab the door handle to open the door and your car alarm goes off, everyone is looking at you and you feel like a thief.

· You approach a stop sign and your car suddenly goes into low idle and stalls.

· You unlock your car and all the windows go down. This only happens on cold winter trips.

Weird stuff happens with your car and you don’t have any idea why. Gone are the days when Do-It-Yourself could solve a lot of car issues. Today’s vehicles are much more like spaceships or at least like a plane. In fact, your car may contain 60-80 separate little computers providing more computing power than the 1982 Airbus A310 had or the Apollo Moon Lander!

Because modern cars are more like complex electronically controlled spaceships, their insides do not much resemble those of cars twenty years ago. Instead of things like a carburetor you’ll find lots of wires under your car’s hood, connecting sensors to the computers and giving status on the car’s vital signs. Electronics enable unprecedented functionality such as hybrid power or safety functions like airbags, ABS or stability control, just to name a few. Maintenance jobs like a tune-up used to mean getting the engine’s performance back on track. Today embedded software takes care of it by checking constantly thousands of sensor signals compensating for worn out spark plugs, clogged filters, etc. The so-called limp-home function lets you drive on limited power when your engine is in trouble. In the old days this might have meant a break down.

If your car is as complex as a spaceship and makes you feel helpless whenever it plays weird tricks on you, perhaps you’d like a space-age preventive maintenance solution. How about piloting like a real spaceship pilot and not to worry about inexplicable malfunctions? That is what professionals in auto shops take care of. Not only do they inspect, service and replace the still remaining 5,000 moving parts; they also understand the electronics’ side effects, run complex diagnostic and test sequences in order to fix and avoid malfunctions. Since electronics mask emerging problems so there is no detectable sign for you until much later, technicians in your shop need to find the root cause early. When too late you might have a need for replacing expensive parts. A speed sensor going bad and compensated by the software might start burning your transmission oil long before the engine light goes on. Ask the experts in your shop about space-age maintenance for your vehicle. Let them provide you with the right program to meet your service priorities (And don’t forget to quiz them about Max and the airbag light).

PS: Max is indeed the cause for the flashing airbag light. The airbag software detected the occupied seat. The person seems to move very erratically though (Max is jumping around in the back seat), which is not what the software expects humans would do. So it concludes a defect wire as cause and triggers the airbag light to flash.

PPS: Did you experience great and/or weird things with your car? Leave a comment in the section below. I’d like to help you exploring what is possible through electronics.

Uwe Kleinschmidt

Car Repair Can Be Green

If you are like most people today you are looking for ways to reduce your impact on the environment. Perhaps you have gone to compact fluorescent bulbs in all of the light fixtures of your home to reduce energy use. Another common change is bringing reusable grocery bags to the store to reduce consumption. One area that most people don’t think of is car repair but there are in fact a number of ways to make this part of your life more “green.”

First off you will probably have to do a little more work than usual to find a shop who is participating in a more environmentally conscious process of doing car repair. A good place to start would be to simply start cold calling auto shops in the area and asking what sorts of steps they have taken to reduce their impact on the environment.

Another place to look would be online. Most places that offer a service that is more environmentally friendly advertise that they are doing good work so that they will draw in people interested in this kind of company. Also ask people you know if they have been using a business that in eco-conscious.

There are a bunch of different things that car repair shops are doing to be more “green” and it is not necessary, or in many cases possible, to find somewhere that does all of them. One of the most common things being done today is a transition from solvent based parts washers to types that use water. Chemical solvent tanks wreak havoc on the environment and contribute a large amount to the pollution generated by auto shops.

Other way businesses are going “green” is recycling and proper disposal. There are numbers of machines and technologies today that recycle or repurpose used solvents and used oils for reuse or disposal. An eco-friendly business has systems in place to properly remove and dispose of used chemicals and also to prevent accidental spillage or release into the environment.

Finally many car repair businesses are looking into purchasing renewable energy credits to offset their carbon usage. Although it is not as good as actually reducing their impact it is a step in the right direction toward zero impact operation.

Even if none of these things are offered or available at your local car repair company it doesn’t hurt to mention them. You may be able to persuade a businessman in your area to look into and maybe take up some of these actions. Raising awareness is in many instances just as good as action.

Seven Tips For Finding Excellent Car Service

The best car service is preventative, not patchwork. The last thing car owners need nowadays, with increasingly busy schedules, is frequent trips to the mechanic. It’s especially frustrating with easily fixed or recurring problems. Here are some tips to avoid breaking the bank the next time your vehicle breaks down.

Check Out Reviews First

With the spread of customer reviews on the internet, it’s quite easy for a consumer to find personal accounts of a business with a quick search. On occasion, reviews will be staged or not representative of the service, but a perusal of a range of reviews may give you a reasonable expectation of what to expect. An old fashioned review from a trusted friend – especially a car lover – never hurts, either. You can’t put a price on experience.

Shop Around

Most mechanics will offer free estimates. It helps to get the estimate for your car service on paper as proof. This document can also be used as leverage with other mechanics. Sometimes the cheapness of the price can suggest poor workmanship, but you certainly don’t want to be swindled.

Ask To See A Certification

ASE is the most common certification, and a trustworthy business should have no issue presenting you with such certification. This will establish a baseline of experience and knowledge. A shop that possesses an American Automotive Association rating is a good sign too, as it guarantees that they have been pre-screened by an objective source.

Don’t Be Afraid to Ask Questions, Even If You’re a Novice

Beyond a price estimation, it is very helpful to ask questions that you may consider basic. Such as, which parts will need to be replaced? How long will the work in question take to complete? Can I see the problem area of the car? Even more intensive questions about the process of fixing the vehicle should not fluster a reliable mechanic. These questions will make you feel comfortable with the car service and prove to the mechanic that you take your car’s care serious.

Go With Your Instinct

This tip is harder to pin down, and will mean different things to different people, but it remains relevant. Simple things, such as the cleanliness of the shop, may be symbolic of the overall service. Furthermore, if a mechanic is giving vague answers or treating customers in a hostile manner, it’s probably a clear sign to get out while you can. Getting a car fixed is rarely a pleasant experience, so there’s no need to add extra stress to the process.

Find a Location Near Your Home

This is especially important if you don’t have a friend or family member to follow you to the mechanic and drive you home. Finding a route home or to work via public transportation may be pivotal, depending on how long the car will be out of commission.

Warranties and Specialists

This tip will mainly pertain to people whose cars need to be fixed at a dealership. It also applies to those who own a car that has to have specialty parts replaced. Do research and determine whether a mechanic has expertise in your particular make and model. Additionally, an honorable mechanic will supply warranties on new parts. Make sure to establish this warranty before they get to work on your car.

Job? Why I Chose A Home Based Business

For years, people have asked me why I don’t get a “regular job”.

They seem to struggle with the idea that I don’t have a 9 to 5 job and they just can’t figure out why I don’t like getting up early, complaining about Monday mornings, “working for the weekend”, etc…

I could go on and on about how much I love the freedom, the option to set my own hours, the possibility of creating an incredible amount of income, and they would all be really good points.

I really do enjoy sleeping when I get sleepy, getting out of bed when I feel like getting out of bed, traveling when and where I like, and knowing that my income is happening around the clock and around the world.

And I’ve definitely got some big goals. Yes, some of them are related to the type of cars I would like to drive, the homes I would like to live in, the experiences I want to have, and all that fun stuff. Why not?

But let’s break this down to just some good old fashioned “real world” thinking.

If you give any serious thought to what is happening to the economy, the job situation, and what life is starting to look like for people from just about every walk of life, I personally believe that it makes sense for you to be honest with yourself. If you really do the math, I think you will gain a much better understanding of why I started my home based business.

These days, if you have a job at all, you are considered “lucky” by those who are unemployed. But let’s take a serious look at what a typical job scenario is like for most people. We’ll make a few assumptions, such as:

You’re working a job that pays you $15 an hour.

You’re working 50 hours per week.

You’re getting paid for 52 weeks out of the year.

This gives you a gross annual income of $39,000.

With some standard assumptions about taxes which include you being a single person with no children, your tax bill is going to be about $4,000, making your Taxable Income $35,000.

This means you get $35,000 deposited in to your bank account each year and you trade 2,600 hours of your life every year to get that money. That, alone, is a rather sobering thought in my opinion, but let’s keep going.

We need to make a few more assumptions about what it takes to live the life you are in. Your numbers may be more or less than these:

Expenses:

Monthly Rent/Mortgage $1,000

Utilities: $300

Car Note: $300

Car Insurance: $100

Fuel: $200

Groceries: $600

Monthly Totals: $2,500

Annual Totals: $30,000

These numbers do not take in to account anything beyond the very BASIC living expenses! You are literally trading 50 hours of your life every week and chances are, you have more month left over at the end of your money. You’re not alone. If you are paying off a student loan, paying for credit card bills, have a car repair, unexpected emergency, health insurance, doctor visits, clothing expenses, etc… you can see how this gets way out of hand very quickly!

When this sort of math settled in on me while being married and raising FIVE kids, I realized that I needed to do something else and I needed to get started FAST!

So What Did I Do?

I started learning about home based business and discovering how I could leverage my then limited time and financial resources to change my financial picture. For me, it has been one of the best decisions of my life. I’ve been successfully unemployed for more than 14 years. I’ve been able to be present with my family, coaching basketball with my kids, traveling with my family, and actually BEING a husband and father.

I don’t look back on my life and wish I had spent more time with my kids because I was THERE with them throughout their lives. To this day, we are still very close even though they are all grown up, moved out, and pursuing their own life goals. (They all understand and are working on their own home based businesses, too!)

Not everybody starts a home based business to “get rich”. Some folks just want to create some additional income. Some folks just want to set up a “Plan B” in case their job falls through. Others just want to supplement their income or pay off some bills and yes… some of us want to create a life we are really excited about and can afford to live on our terms.

If you see this math and you believe that it makes sense to stay on that same path, then you need to understand that things are going to get tougher. But if you believe that a home based business may be a good option for you, then I encourage you to start your research. Find someone that is successfully building their home based business and ask them to show you how

If you saw the move, “The Pursuit of Happyness”, t hen you may recall that Chris Gardner’s life was changed by asking two questions of a very successful broker:

1. What do you do?

2. How do you do it?

Be willing to ask the questions and then learn the skills.

A home based business may very well be the solution you need.

Mobile Mechanics – 5 Ways to Tell the ‘Hot’ From the ‘Not’

There are plenty of mobile mechanic services available, throughout the world. The reason that many of these operators exist is that they can work out of a home garage, doing car services and repairs with a fraction of the overheads that companies that have a shop have. It can be a little hard to believe that something so convenient is actually worthwhile – and yes, there have been cases where people have been burned by sub-standard operators. So, today we’re looking at how to tell the good mobile mechanics from the bad. Here are the top 5 real, concrete signs that your mobile mechanic is an industry expert and car professional.

1. Willing to provide a written quote up-front

In fact, this is actually a trait of all good mechanics. If your mechanic has a wide experience in major makes and models, doing car repairs and services of all different types, then they can accurately estimate how long a job will take. This gives you the peace of mind of knowing exactly what your liabilities will be at the end of the job, and is a prerequisite of all good mobile mechanics.

2. Good communication skills

By this, we don’t mean that your mechanic tells you his life story in a poetic and dramatic manner … we mean that he is able to clearly communicate the problem to you, and support his diagnosis with visual examples where it’s possible. For example, “Look at how gunky the spark plugs are – the reason it wouldn’t start is because there was no spark to ignite the fuel”. Your mobile mechanic should communicate to you things like:

o Why the problem occurred

o How the problem occurred

o The extent of the damage to your system

o What needs to be done to make your car driveable

o What will need to be done in the short, medium and long term to ensure your car stays in good working order

o How you can fit repairs in with your budget – they will create a priority schedule for you.

3. They offer a warranty

Professional, expert mobile mechanics will always offer a warranty. The best will give an equal warranty on all parts and labour, of up to 12 months or 20,000 kilometres. If you choose a nationwide brand, then your warranty can be honoured no matter what your location if there is ever a problem. Additionally, you know you’ve found a good mobile mechanic when they trust your opinion when you ring for a warranty claim, and remain completely solution-focused (no blame storming!).

Many mobile mechanics can also repair and service new cars without affecting the dealer’s statutory warranty.

4. No travel time charges

Mobile mechanics already save on overheads by not having a workshop – but they necessarily incur travel costs with that business model. A reliable, reputable company won’t charge you for the travel time to get to your vehicle – they’ll include it as part of their business expenses.

5. They offer regular servicing as well as repairs

If your mobile mechanic is there for you in the happy times when all your car needs is a look-over to keep her going, as well as in the stressful breakdown times, you know you’ve found one worth keeping!

Bonus: They’ll tell you how to keep yourself safe before they arrive

A significant proportion of car repairs performed by mobile mechanics are on the side of the road. A good one will give you some pointers on how to keep yourself and the car safe in the time before they arrive, which may include:

o Getting as far off the road as possible

o Locating the nearest cross street to help the mechanic with navigation

o Keep your mobile phone turned on and preserve the battery buy not making calls

o Park your car under a street light if possible, if the breakdown occurs at night.

o Stay with your car

Tips On How To Prevent Car Lockouts

One thing which happens with almost everyone is that they forget their car keys inside the car. People lock their cars and leave the keys in the ignition. This way it is easier for someone to break inside, get the keys and drive away with the vehicle. It is a real pain for you to get back inside the car and get your keys. You cannot go anywhere without getting your car keys back and that is only possible when you try to break in or get the help of a car mechanic or locksmith. In order to prevent lockouts there are few suggestions listed below.

Do not forget to take keys before leaving home-

Once you plan to leave home, take the car keys with you and once you park and leave the car take the keys out of the keyhole and keep them with you. Instead of leaving the car and forgetting the keys in the car ensure that you have them with you all the time. If you forget to take your keys out and leave, someone will do it for you and take your car away. Once you park the car and turn the engines off, if you hear any beeping once you open the door, it means the car keys are still in the ignition. The beeping sound gives you a reminder to take the keys out instead of leaving them behind. You should always keep the keys with you.

Get a spare key-

In order to avoid any bad event on your way out, make sure you have an extra pair of keys at home. People who have this problem of forgetting things and leaving car keys behind should get an extra pair of keys. This way you can avoid lockouts. You can use this key to unlock your car and get inside easily. But people usually keep this key in their houses; under doormats etc. you need to carry this key with you all the time. Just keep it inside your wallet without any key ring attached to it.

Get your lock fixed-

Car lockouts not always happen because of leaving your keys inside, sometimes it occur due to a defaulted lock. To avoid such thing you should contact a locksmith or car mechanic or else you have to face this issue every time you try to lock your car. There is another option of leaving your car without locking it, but then you do not want to risk losing your car. If someone finds your car unlocked he might try to get inside and steal it. Do not waste time and get the lock fix before it’s too late.

Attach a noisy key ring-

Do attach some noisy key rings with your spare keys and even with your original car keys in order to avoid losing them. If incase, your keys ever fall to the ground you will be able to notice it immediately due to the noise they make.

Recheck your keys-

Keep on checking your keys after every few hours, if they are still on you or not. Keep them in a fixed spot so you know where they are.

Car Dents Can Be Easy to Take Out of Your Car – Here’s Some DIY Tips

Car dents are an unsightly looking thing. Most of us take great pride in the car we own and drive even if it’s not the most modern compared to the new Mercedes going past you. So it still hurts when someone bangs a shopping trolley into you, or, you suffer a minor road collision, or, are even hit by large hailstones which does happen from time to time.

Depending on the size of the dent you’ve either just got on your car or just noticed on your car, you may have to visit your local panel beater or auto body shop for them to take a look at it. Or, if it’s small enough then you may be able to undertake this repair yourself with just a few DIY tools.

You’ll first have to have a good hard careful look at the damage. If you’ve got ripples or a line or crease in this dent then unless you’ve had some kind of experience at this, you are going to have to take it to a panel beater for them to access it and come up with a price. It’s unfortunate if you do end up here for what may look like something quite small and cheap to fix but even the very small does take time, especially if there’s a crease in the dent to take out. However, if you have something simple that has dented your car like a large hailstone, then you may be able to carefully tap it back out. If it’s a whole panel that has taken a beating in a minor road accident then if you are a competent welder, you could just buy another panel, remove the dented panel and just replace with the new.

One handy tip for dents with no creases is to use the household plumbers plunger. You’ll have to be extremely careful here. The technique is to very, very slowly apply pressure on the dent with the plunger being over the top, just like if you were about to clear a blockage. So, gently but forcefully push the plunger down until there’s no more air in the plunger. The best result here is to apply a little water or grease around the rubber edge of the plunger to keep it as airtight as possible, Next, with a very steady grip, pull the plunger back and you should release the dent. This is hard work and probably impossible to do on corner dents, but ideal for side dents, roof dents and bonnet and boot dents on flat panels that because of the interior trim which is difficult to remove, can be a quick and easy fix.

Another dent repair method is to use a block of wood, an old towel and a rubber mallet. This is good for dents larger than the surface area of the plumbers plunger. The towel is to protect the edges of the block of wood. So, wrap the towel around the block and make certain that the block has no hidden sharp edge left as if it has you are likely to cause even greater damage. This is great for bonnets and roofs and boots/trunks. If the dent is on your bonnet, open the bonnet and hold the block of clothed wood against the underside of the dent, then gently tap away until the dent has disappeared.

The Generac Gas Generator Line is Simply the Best Home and Work Electric Power Generator Available

Specific problems beget specific solutions. And specific solutions require the help of specialists, highly professional individuals trained to handle specific issues. Got a problem with your car? Turn to an auto repair specialist. Want to enhance your house’s interior? Contact an interior design specialist. Problem with constant power outages? Get a Generac gas generator.

For more than 50 years, Generac is known as one of the most reliable providers of emergency power systems in the US. That is not surprising considering the fact that Generac was the first to produce affordable standby home generators.

Home Power by Generac:

A specialist in resolving back-up power issues, Generac is a premiere source of quality standby generators for residential use, particularly gas generators. Generac has three main series of residential gas generators: CorePower System, Guardian Series, and QuietSource Series.

Cost is a top concern when it comes to buying a back-up power system. Generac knows this. So they have engineered a new high-quality yet affordable standby gas generator for budget-conscious customers. Generac’s 7 KW Standby Generator from its CorePower System series would not drain your wallet. It uses either natural gas or liquefied petroleum fuel, so it is efficient and clean. Its tough and all weather construction ensure customers that this small gas generator would last for a long time. The compact design of this generator makes it the perfect choice for an already crammed residence. For added convenience, this generator comes with LED light status, fault indicators, and digital controller.

When it comes to reliability, the Guardian Series of Generac is on top of the list. This is the number 1 selling home standby generator and four out of five families in the US already have Guardian Series generators in their residences. Generac’s Guadian Series features small 8 KW generators to large 60 KW sets. These hands-free generators start upon sensing about 10 seconds of power loss. That means that you do not have to labor to make it run-it is automatic. The Guardian Series is equipped with the OHVI engine which is designed to last up to four times longer than other engines. Generac’s Guardian Series generators come with mounting pads and are very easy to install. What is more, the Guardian Series generators are designed to consume less gas and release less emission.

Worried that a standby generator may disturb your neighborhood’s serenity? Well, you do not have to. You can get Generac’s QuietSource Series standby gas generators. Equipped with slow speed engines that run at 1800 rpm, these generators are so quiet that you would not notice that it is running.

Portable Power by Generac:

Of course, we all know that we also need power outside the house. That is why Generac also has portable gas generators that are perfect for outdoor use. Generac’s portable gas generators have a strong built, so you can be sure that they would not get damaged easily outdoors. Also, Generac portable gas generators are equipped with the OHVI engine and have a run time up to four times longer than other generators.

Whether you are looking for a reliable back-up residential power or a portable source of power outdoors, Generac’s gas generators are among the best.