All working people face unexpected difficulty once in a while. If your salary barely covers your exact financial needs every payday, any unplanned expenses can cripple and leave you in deep financial distress. This happens when financial emergencies occur like: a busted kitchen sink, a house heater needing repair, a leaking pipe, and other minor accidents at home that has to be attended to immediately.Payday loans are one option that you can avail of when these situations occur. In times of extreme financial need, these types of loans can be resorted to as a stop-gap measure to help tide you over the hard times. What then are payday loans? These are otherwise known as cash advance loan, which covers cash emergencies in between paydays. The requirements are basically simple, and availment is quick. However, there are things that you need to know before getting a payday loan, to wit:1. These loans have higher APR’s (Annual Percentage Rate) than regular bank loans. The term is short – the next payday, or roughly around two weeks. Hence, you should not borrow what you cannot comfortably afford to pay the next pay day. Most lenders charge 15% interest for two (2) weeks. Hence, if you borrow $300, you need to pay $345 in two (2) weeks. The effective interest rate of that loan spirals to around 391% per annum, exclusive still of other financing charges. If you are unable to pay at due date, you will be charged an additional $45 plus financing fees for rolling over the loan.The payday loans have a short maturing period and would be quite expensive if not paid on time. Interest rates are going to shoot up in such levels that paying would become untenable at some future time. Hence, you should only avail of these loans in times of emergencies and in an amount that you can well afford to pay the next payday.2. The requirement for this loan is quite simple. The payday lender would require you to submit a proof of income, pay stubs, and a valid identification card with photo. You have to submit an application for loan request that would state the amount that you want to borrow, plus interest fees and other financing charges. The payday lender would furnish you a copy of their legal documents that you need to sign. The terms of the loan agreement will be stated which includes: the loan amount, interest rate and financing charges, loan maturity, roll-over fees, among others. You need to issue a postdated check (PDC) to the lender to cover the payment of the loan on maturity date. After all documentation is signed and receipt of the PDC by the lender, cash is given to the borrower corresponding to the amount applied for.3. You should always consider that payday loans are not modes of regular personal financing. These types of loans can be quite expensive if not paid on time. The rollover cost leads to an upward spiral that can make payment untenable. One thing to remember is that, in payday loans the lender would exert all legal means to exact payment if the PDC you issued bounced on due date. You may have to shell out the cash to fund the bounced check to avoid costly litigation battles later on.Where to find payday loan lenders?You can find reputable lenders in various states. Most regular lenders offer payday loans in their pool of financing services. You can search these payday loan lenders from your state and talk to them personally as regards their financing fees and charges. Most states require that lenders give this information to prospective borrowers. You can check on the credibility of these lenders through various government agencies for any complaints regarding fraud or scamming.There are many materials online that can help you understand about payday loans. There are also some lending institutions that process loan requests online. It is suggested however, that you go into online forums to better understand the mechanics of payday loans. Going to said forums would enable you to find a reputable lender that you can do business with, when times get rough!
Online Masters in Social Work – A New Way to Get a Degree Without Leaving a Job
There has been a plethora of online courses now offered by many universities. The best part about these online courses is that one can pursue their education without having to join a college and attend the daily classes and lectures. The online courses mainly work on the principle of self study. One can get their degrees by doing self study and taking tests from time to time.One such course offered is Online Masters in Social Work, this course is also known as MSW to a lot of people. the pros of taking this course online is that one need not leave their work or jobs to attend classes and lectures. The classes and lectures will be available online for and these can be accessed anytime by the students who have enrolled for the course study.The online Masters Degree in Social Work is considered to be an appropriate answer to culturally, communally and academically different people who want to pursue the subject in a different country. The only criteria required are that one must have a computer with a latest operating system and an internet connection.To be in this field one needs to be truly empathetic and hence the curriculum of this online Degree in Social Work caters to it well. It teaches the students to develop interpersonal abilities which are extremely essential when standing against social discrimination and the varied forms of oppression.The Online Masters Degree Course is designed on similar lines as the regular courses that are being taken in colleges. The students taking the online course have to meet the same standards as the other on-campus students. The various subjects include social laws and regulations, code of ethics, special strategies and procedures, study of case studies and specific psychological approaches. This curriculum prepares the students not only to work with individuals but also other social groups and communities.Having a career in this field is definitely not a cake walk and one needs to have great interest and passion to pursue this as a career. One may be well versed with the textual matter but that is not enough, one must also have sufficient on field experience. To be a good social worker one must have a lot of patience and also a basic psychological setup that will help them during their profession and their internship stint.Just like the on-campus students even students who have enrolled for the online course needs to explore both the research and the practical aspects of the social working job. A social worker can apply for jobs at social organizations and associations, health care system divisions and social service institutions.It is recommended that one opts for a course which is authentic and competent so that the student gets proper guidance. It is extremely important that the degree be taken from an accredited institution which has been recognized by the Council on Social Work Education. This will help students get a genuine degree and also help them get good jobs.
Know How to Earn Your High School Diploma Online and the Pros and Cons of It
Online studies are growing up as technology has taken over everything. Many students are opting for this method to get their degrees online. Some people need to stay back at home for several reasons. Sometimes they suffer perpetually from illness.
Sometimes they wish to study at their own speed. Some people find it hard to focus on their studies at some other location. While some students place studies as their next priority. They may be good at some other field, like acting, art, and dance. They save time by opting for online studies.
How Can Students Earn Their High School Diploma Via Online Courses?
These are the ways open for students who wish to earn their high school diploma via online courses
• PRIVATE ONLINE HIGH SCHOOLS: these online schools do not abide by government regulation. They work in the manner of traditional private schools. These online schools work on the basis of their ideologies and their teaching principles. These schools may be expensive.
These private online high schools may be affiliated o may not be affiliated to proper associations. If they are not you must check their academic records. If they are not recognized then you may have problems in applying to good colleges.
Several renowned universities are offering online high schools which provide high school diploma degrees. These degrees have a lot of value.
• ONLINE CHARTER SCHOOLS: state run charter schools impart education free of cost. These schools derive their funds from public resources. This can be a very good option available. The rule is that public schools are not supposed to take money as tuition fees. At the same time, they are accredited by renowned places. In the states of California and Minnesota the public schools are run on government funds. The students who get enrolled in these schools get their education for free.
SOME FACTORS THAT YOU SHOULD KEEP IN MIND: before you select the online school that you want to enroll yourself in, some research about the school is vital. You can directly enquire from the school authorities themselves about the authority they are accredited to.
An accreditation to a proper place will ensure that the degree that you earn is valued and will help you to carry your education forward. You have to ensure that you draw the maximum benefit from these online classes. A high school degree is definitely a better option than making efforts to complete a GED (general education degree).
Although this is a convenient system, students might face some problems. Some can not do away with the distractions that are present at home. But sometimes people are really benefited by this innovative system.