Payday Loans – 4 Reasons to RethinkPayday loans are a type of short term loan that you can use to quickly get cash until your next paycheck. They are easy to get and generally online require proof of employment and a checking account. Basically you will write the company a postdated check that won’t be deposited until after you get paid again. This type of loan doesn’t even require a credit check.Personal loans are convenient, but they aren’t the right solution for every problem. They are expensive and generally charge high fees and interest. These loans can have APRs as high as 500% if you aren’t careful. They are only a temporary solution and should be used with care and discretion. A payday loan may be right for your situation, but it might not be. Keep reading for five reasons why a payday loan might not be worth the risk.Loans Are ExpensiveOne of the biggest risks associated with a payday loan is the expense. When you go in for a loan you will write a check that the company will cash at a later date. If you receive $100 you will generally have to write the check for at least $115 to cover the fees associated with the loan. Most lenders charge between $15 and $50 per $100 received depending on the length of the loan term.Many people think that they will be able to repay the loan once they receive their next check, but this isn’t always possible. When the loan comes due if the money isn’t available the borrower will then have to take out another loan which will result in more fees. This can quickly become overwhelming and spiral out of control. Some lenders even offer roll over options which allow borrowers to have more time to repay and in turn result in more fees. As these loans roll over they get bigger and bigger and the company will simply withdrawal the renewal fee from the borrowers account each time the loan term comes up.Some Lenders Try to Avoid RegulationThe federal government has rules regarding cash advance loans, but many lenders try to avoid these regulations by making the loan terms a little longer so they don’t have to comply. For example the government classifies payday loans as loans with less than 30 days until repayment, so lenders may offer loan terms the require repayment at 31 days so they don’t have to adhere to federal and state regulations.Payday Loans Prey on Those with Low IncomeCash advance loans are commonly used by those with low income or low credit. This is largely due to the fact that they don’t require collateral or a credit check. Lenders realize that people with limited cash flow will have a harder time repaying the loans so they can earn more money from interest and fees, especially if the borrower lets the loan amount roll over.Payday Loans Are For Emergency Use OnlyThere is a place for personal loans, but many people fail to understand that this type of loan is for emergency use only. People can quickly become trapped under a mountain of debt from these loans if they don’t use them intelligently. Borrowers run the risk of borrowing money when they don’t need it since payday loans are so easy to get.If you need a little emergency cash a personal loan might be a great solution, but be careful. These 4 reasons to rethink will help you to determine if a fast payday loan is right for you.
4 Payday Loan Tips to Consider Before Applying
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The Special Education IEP and the Parent Underdog
Are you a parent of a child with a learning disability? The deck is stacked against you for achieving a quality, special education IEP. Learn how to get the best possible program for your child.What is an IEP?The special education IEP (Individualized Education Program) process was created by the Federal law called IDEA (Individuals with Disabilities Education Act) to ensure that students with learning disabilities would receive an appropriate education. The IEP process can be confusing, stressful, and sometimes terrifying to parents. The process comes to a head at the IEP meeting, so this is often the most stressful part of the IEP process.Why is this process so difficult for parents? Through a series of 3 articles, we’ll look at the IEP process, why the deck is stacked against parents, steps to take to even the odds, the IEP success method to follow for an effective IEP meeting, and how to prepare for IEP 911.What are the IEP Process Steps?Identify that a problem exists and it cannot be solvedEducate yourself about the IEP processAssess and test the studentAnalyze the test resultsPrepare for the meeting / get and give input in advanceMeet to review information and create (or deny) an IEPEvaluate the plan and alternativesExecute the plan or alternativeMonitor progressManage transitionsNegotiate changesRepeat the process, at least annuallyThe IEP – Why are Parents at a disadvantage?1. You are usually outnumbered.2. The other attendees are speaking a language that is difficult for you to understand-educationese, legalese, and medicalese.3. Your child is one of many students. This is their job, but your child. This sets you up for emotional reactions.4. Because you are emotionally involved, it is harder to be objective. You feel you have more to lose; it’s easy to become defensive or lose your temper.5. The people sitting across from you are people you learned to respect, obey, and / or fear as a child. Principals, medical people, teachers. You may not see yourself as an equal.6. You are asking for something. It is implied that anything you ask for will take away from another student.7. Some of these people attend dozens of IEP meetings every month. You may go to one or two a year. They have experience on their side.8. The school personnel earn a salary while they attend these meetings. You may give up some salary to attend.9. The school district has an attorney. You may know of an attorney!10. If the school rejects the IEP, you may feel as if you have just lost your lifeline.11. If you have argued before, threatened legal action, complained about an IEP and on and on, the relationship inside the room might have moved over to confrontational or adversarial. The above are true even if you are in a cooperative, collaborative meeting and all working together. You can continue the list from here if you have moved over to an adversarial meeting!12. You may not be sure what is “wrong” with your child.13. You have no way of judging if the school’s recommendations will help your child or not.14. If your child attends the meeting, hearing certain things may upset your child, then you.How do you even the odds?1. You need to prepare for the IEP meeting and review test results before the meeting.2. You need to be organized and to have everything written down.3. You need to study negotiating before the meeting.4. You need to bring a short list of topics you want to discuss such as a particular teacher / problem, etc.5. You need to come ready with a written plan (See Part II and III).6. You need to cite or quote the evidence and experts as proof of the validity or correctness of your plan and follow the IEP Success Method in Part II.7. You need to understand the legal basis for what you are asking for.8. You need to stay calm and bring someone with you to take notes so you can focus on the meeting.9. If the meeting focuses on negatives, you need to redirect the meeting by pointing out your child’s strengths. Discuss successes your child had outside of school.10. If necessary, you need to bring an advocate or a relative with you who can be less emotional but is acquainted with your child.11. If you are confused or not happy with the entire IEP, you need to remain calm and state that you need time to review the IEP before you sign.12. If there is any area you are unsure of, you need to postpone decisions you are unsure of until you do the research.Next: Part II will discuss the special education IEP Success Method and IEP Meeting Mottos.
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3 Most Popular Online Business Systems For Generating Income
It is disappointing that 95% – 98% of individuals venturing out to try to generate an income using their first online business system will fail. Because of all the big promises of over night success, instant riches, lots of over the top hype about making money on the Internet many people fail to realize that all the Internet marketing systems or strategies in the world are totally useless unless they gain a basic understanding of what their chosen online business model is and how it is able to generate an income on the Internet before they begin. No matter how proven and productive an online business system may be it will fail if the user doesn’t take time to understand how it will work with their particular business.3 of the most basic yet popular online business systems are:1) Affiliate MarketingOne of the most basic and widely used of the Internet marketing systems is affiliate marketing. Because of the ease of getting started with it is by far the first choice of use by individuals new to Internet marketing. It is very easy for anyone to register with one of the many affiliate programs that exist on the Internet today free of charge.The different products or services an affiliate can promote are endless. As soon as some one buys or signs up for a product or service that the affiliate is promoting the commissions start coming in. There is also the benefit of no risk for an affiliate marketer since all aspects of the product or service they choose to promote like product creation, customer service, product storage, and transaction details are handled by the product creator or affiliate program. Matter of fact the affiliate marketer can even begin to make an income online without his own web site.There is usually no cost to join an affiliate program, however some will ask for a fee to use their program. Because it is so easy to start in this online business thousands of people take this opportunity every day. These programs are one of the main reasons that the Internet is so full of ads, banners and promotional materials today.It is good to know that out of the thousands that try affiliate marketing a small 5% ever make any money at all and a smaller 1% are able to generate a substantial income These “super affiliates” understand totally the ins and outs of this business system and tend to do it differently to command the big money and success.2) Creating e-books and other informational productsCreating e-books and informational products is certainly a productive online business method. Because of the endless number of topics of interest you will never run out of ideas for new products. There are literally millions of different niche markets and micro niche markets out all with their own topics of interest, and there are new ones being found every day. The beauty of this system is that you need not write or create the product yourself, you can easily outsource the work to a professional.When creating your own informational products you will need to pay out more than a beginning affiliate marketer. Money will have to be spent on getting your business started. You should also be prepared for a bigger learning curve. The silver lining is that if you do this online business method correctly you can generate a much better income.Once the product has been created this online business system requires very little cost to maintain. This online marketer can reproduce as much of his product as needed with little to no cost. After they have sold a small number of their informational product at a reasonable price the start-up cost for the business is paid for. Then there are all of those eager individuals wanting to be your affiliates to help you promote your product or service.3) Goggle AdSense SystemThousands of Internet marketers sing their praises daily for the success they find with Goggle’s AdSense program. This is a relatively simple concept where web site owners sign up with Google to show text-based ads and banners from Google massive list of advertisers on their sites, when someone clicks on the ad the web site owner gets a commission.The ads that Google AdSense will send to your web site are not just any random ad. Goggle will use a method of first scanning your web site or page to find out the topic of your content, it will then send ads that are very relevant to that information. It won’t matter what the niche or niche market your web site is about Google AdSense will supply the code to put in your web page and the correct type of ads for that web site. The ads will begin to show on your web site as soon as you make the needed changes to your web site and your web browser is refreshed.How Google splits up the money with their partners is somewhat of a mystery. however how much you will get per click is partially decided by what the topic is and the product the ad is about. A good rule of thumb is the higher the advertiser’s profit margin on a sale the more the web site owner should make per click. Another indicator will be the ads with higher conversion rates usually will pay more than those ads that don’t sell well.There are many more Internet marketing methods to examine. Above are 3 of the most popular online business systems for generating income. The most important lesson for your online success will be for you to first understand the basic functions of how your method of choice works in relation to your online business goals. Running your online business with this mindset will certainly direct you to long-term success.
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