Payday Loans – A Temporary Solution

Managing you budget can be a bit tricky and quite difficult. At one point or another, you can even fall short of cash days before your next paycheck. The need for instant cash then becomes inevitable. And the quickest and easiest way to get it is with payday loan. Payday loan is a type of short term loan vehicle that allows you to borrow a small amount of money you need to survive until the next paycheck. It is a type of loan which can help you pay off unexpected bill or any financial responsibility immediately. Payday loan therefore is one solution to temporary need for emergency cash.How to apply?Unlike other types of loan vehicles, applying for payday loan is very easy. You don’t have to be backed up with a good credit history to get approved for the loan. You don’t need to present tons of documents necessary for the loan. And you don’t have to wait for days to get the money. All you have to do is to find a creditor with the most favorable terms and apply online, over the phone, or at local offices. Your loan can be approved within 24 hours or even on the same day. The requirements are simple: you need to be at least 18 years old, you should have an active and current bank account, and you should have a regular paying job. Some creditors ask that you should be employed at your present work for the last 3 months. Others may require you to have a checking account. Ether way, these requirements are just for formality sake.How payday loan works?Payday loan works simple. Once you get approved, the money you borrow will be directly deposited to your bank account, or, if you apply in person, you can get the money immediately. The terms of repayment vary. Many creditors require you to write a postdated check as your payment while some directly deduct it from your salary. The length of repayment varies as well. Creditors allow at least 2 weeks for repayment the money you borrowed but it can go for several weeks depending on the term agreement between the creditor and to borrower.Prolonging the repayment of the loan, however, is very detrimental to the borrower. Since this type of loan has high interest rate, repaying it for extended time is not cost-effective. Some payday loan companies offer interest rate as much as 50% per week. Meaning, if you borrow $200, you have to pay $300 back to the lenders after 1 week. The rate gets more complicated once you neglect to pay your creditor back in time. The interest soars and you have more financial problems than you originally have. There is one woman in Kentucky who borrowed $150 from a local lender. She promised to pay the money back plus fee. Six months later, she was still short of cash and discovered that her credit soared to more than $1000. She began receiving phone calls and threats that she will go to jail if she didn’t pay up.The point here is, although payday loan is very attractive and luring for its quick approval during the time of financial emergency, you should always know first if you really need it or not. It also doesn’t mean that even if you are expecting a paycheck in a few days, you can reluctantly apply for this type of loan just to suffice your need for money. Always remember of the price that you have to pay back once you apply for payday loan. Remember that you are on a binding contract with your creditor once your loan gets approved. And this contract can get you into trouble in the future if you were not able to abide to it.There is a saying that you cannot borrow you way out of debt. Always remember this when considering payday loan as a resort to your financial problem. Use payday loan only if you have nowhere to borrow money from. Avoid payday loan as much as possible. But if you have nowhere to go, use payday loan as a final and temporary solution– not as a first option to your immediate financial need.
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The Benefits of Online Educational Programs

WOULD YOU CONSIDER AN ONLINE EDUCATIONAL PROGRAM? With the current challenges facing traditional colleges and universities, which includes higher tuition, budget cuts, and course shortages, many students as well as those that love learning have switched to online educational programs. With nearly three million students currently enrolled in fully online degree programs and eight million taking at least one online course as part of their degree program, online education has clearly become one of the most popular higher education alternatives.The continually improving reputation of online learning has also helped fuel its expansion, as initial skepticism has faltered in the face of evidence that shows that online learning can be just as effective as face-to-face education. I have taken several myself and the experience is quite unique as these programs are entirely convenient and flexible. They provide educational information that will build your business immediately. You will be surprised to know that some of these online courses are FREE! The emphasis however in taking free courses online is the personal knowledge obtained. The certificates received in some cases are however not from accredited educational institutes.ONLINE EDUCATIONAL PROGRAMS VERSUS TRADITIONAL EDUCATIONAL PROGRAMS All of this means that students, from working professionals to recent high school graduates, find many reasons to take all or some of their courses online. Below are some major advantages of online education:
Variety of programs and courses: From traditional four-year universities to completely online career colleges, higher education today offers a variety of options for learners. This means that no matter what students wish to study, from cooking to rocket science, they can find online education they need. They can also earn every academic degree online, all the way from a career certificate to a doctorate.
Lower total costs: Online educational programs can be a more affordable option than traditional colleges. Though not all online degrees have less expensive net tuition prices than traditional colleges, associated costs are almost always less expensive. There are no commuting costs, and there is also not any required course materials such as textbooks because every reading materials are made available for free online. In addition, many colleges and universities have begun to accept credits earned via free massive open online courses (MOOCs), the most recent advance in online education. Free online courses such as these can help students fulfill general education requirements at little to no cost.
More comfortable learning environment: These days, commercials featuring online students studying in their pajamas are becoming popular in describing one of the primary benefits of online education. There are no physical class sessions. Lectures and reading materials are electronically sent to the student, who will then read them and complete assignments. Students will not have to fight traffic, find parking spaces, leave work early to go to class, or miss important family time.
Convenience and flexibility: Online educational programs give students the opportunity to plan their study time around the rest of their day, instead of the other way around. Students can study and work when they are at their peak energy, whether that’s early morning or late at night. Course material is always accessible online and they are asynchronous, so there’s no need to schedule special trips to a library either. All of this makes online learning attractive.
Avoid commuting: During bad weather, colleges may cancel classes. Also, a traffic situation like in Lagos where I reside may pose a serious problem for those attending traditional education. Rather than be late or miss important class sessions, students in online educational programs can always “attend” by participating on discussion boards or in chat sessions, turn in their work on time, and watch lectures or read materials. Many students also find that the amount they save on fuel costs can be substantial if they don’t have to commute to a physical campus in general, no matter what the weather conditions may be.
Improve your technical skills: Even the most basic online educational programs requires the development of new computer skills, as students learn to navigate different learning management systems (LMS) and programs. The skills students learn to participate in their online courses translate to many professions, including creating and sharing documents, incorporating audio/video materials into your assignments, completing online training sessions, etc. All this form part of their learning too.
All these benefits highlighted above are clear reasons for the astronomical growth of e-learning. There are several e-learning institutes today offering certifications and degrees in modern topics. For those wondering whether it is a valid alternative, I say to you it is. For network marketers and those managing their businesses, online education becomes a better alternative as you will not have to leave your business to continue learning.

S&P 500 Biotech Giant Vertex Leads 5 Stocks Showing Strength

Your stocks to watch for the week ahead are Cheniere Energy (LNG), S&P 500 biotech giant Vertex Pharmaceuticals (VRTX), Cardinal Health (CAH), Steel Dynamics (STLD) and Genuine Parts (GPC).

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While the market remains in correction, with analysts and investors wary of an economic downturn, these five stocks are worth adding to watchlists. S&P 500 medical giants Vertex and Cardinal Health have been holding up, as health-care related plays tend to do well in down markets.

Steel Dynamics and Genuine Parts are both coming off strong earnings as both the steel and auto parts industries report optimistic outlooks. Meanwhile, Cheniere Energy saw sales boom in the second quarter as demand in Europe for natural gas continues to grow.

Major indexes have been making rally attempts with the Dow Jones and S&P 500 testing weekly support on Friday. With market uncertainty, investors should be ready for follow-through day breakouts and keep an eye on these stocks.

Cheniere Energy, Cardinal Health and VRTX stock are all on IBD Leaderboard.

Cheniere Energy Stock
LNG shares rose 1.1% to 175.79 during Friday’s market trading. On the week, the stock advanced 3.1%, not from highs, bouncing from its 21-day and 10-week lines earlier in the week.

Cheniere Energy has been consolidating since mid-September, but needs another week to forge a proper base, with a potential 182.72 buy point formed on Aug. 10.

Houston-based Cheniere Energy was IBD Stock Of The Day on Thursday, as the largest U.S. producer of liquefied natural gas eyes strong demand in Europe.

Even though natural gas prices are plunging in the U.S. and Europe, investors still see strong LNG demand for Cheniere and others.

The U.K. government confirmed last week that it is in talks for an LNG purchase agreement with a number of companies, including Cheniere.

In the first half of 2021, less than 40% of Cheniere’s cargoes of LNG landed in Europe. That jumped to more than 70% through this year’s second quarter, even as the company ramped up new export capacity. The urgency of Europe’s natural gas shortage only intensified last month. That is when an explosion disabled the Nord Stream 1 pipeline from Russia that had once supplied 40% of the European Union’s natural gas.

In Q2, sales increased 165% to $8 billion and LNG earned $2.90 per share, up from a net loss of $1.30 per share in Q2 2021. The company will report Q3 earnings Nov. 3, with investors seeing booming profits for the next few quarters.

Cheniere Energy has a Composite Rating of 84. It has a 98 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share price movement with a 1 to 99 score. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 41.

Vertex Stock
VRTX stock jumped 3.4% to 300 on Friday, rebounding from a test of its 50-day moving average. Shares climbed 2.2% for the week. Vertex stock has formed a tight flat base with an official buy point of 306.05, according to MarketSmith analysis.

The stock has remained consistent over recent weeks, while the relative strength line has trended higher. The RS line tracks a stock’s performance vs. the S&P 500 index.

Vertex Q3 earnings are on due Oct. 27. Analysts see EPS edging up 1% to $3.61 per share with sales increasing 16% to $2.2 billion, according to FactSet.

The Boston-based global biotech company dominates the cystic fibrosis treatment market. Vertex also has other products in late-stage clinical development that target sickle cell disease, Type 1 diabetes and certain genetically caused kidney diseases. That includes a gene-editing partnership with Crispr Therapeutics (CRSP).

In early August, Vertex reported better-than-expected second-quarter results and raised full-year sales targets.

S&P 500 stock Vertex ranks second in the Medical-Biomed/Biotech industry group. VRTX has a 99 Composite Rating. Its Relative Strength Rating is 94 and its EPS Rating is 99.

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Cardinal Health Stock
CAH stock advanced 3.2% to 73.03 Friday, clearing a 71.22 buy point from a shallow cup-with-handle base and hitting a record high. But volume was light on the breakout. CAH stock leapt 7.3% for the week.

Cardinal Health stock’s relative strength line has also been trending up for months.

The cup-with-handle base is part of a base-on-base pattern, forming just above a cup base cleared on Aug. 11.

Cardinal Health, based in Dublin, Ohio, offers a wide assortment of health care services and medical supplies to hospitals, labs, pharmacies and long-term care facilities. The company reports that it serves around 90% of hospitals and 60,000 pharmacies in the U.S.

S&P 500 stock Cardinal Health will report Q1 2023 earnings on Nov. 4. Analysts forecast earnings falling 26% to 96 cents per share. Sales are expected to increase 10% to $48.3 billion, according to FactSet.

Cardinal Health stock ranks first in the Medical-Wholesale Drug/Supplies industry group, ahead of McKesson (MCK), which is also showing positive action. CAH stock has a 94 Composite Rating out of 99. It has a 97 Relative Strength Rating and an EPS rating of 73.

Steel Dynamics Stock
STLD shares shot up 8.5% to 92.92 on Friday and soared 19% on the week, coming off a Steel Dynamics earnings beat Wednesday night.

Shares blasted above an 88.72 consolidation buy point Friday after clearing a trendline Thursday. STLD stock is 17% above its 50-day line, definitely extended from that key average.

Steel Dynamics’ latest consolidation could be seen as part of a larger base going back six months.

Steel Dynamics topped Q3 earnings views with EPS rising 10% to $5.46 while revenue grew 11% to $5.65 billion. The steel producer’s outlook is optimistic despite weaker flat rolled steel pricing. STLD reports its order activity and backlogs remain solid.

The Fort Wayne, Indiana-based company is among the largest producers of carbon steel products in the U.S. It engages in metal recycling operations along with steel fabrication and produces myriad steel products.

How Millett Grew Steel Dynamics From A Three Employee Business

STLD stock ranks first in the Steel-Producers industry group. STLD stock has a 96 Composite Rating out of 99. It has a 90 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share-price movement that tops at 99. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 98.

Genuine Parts Stock
GPC stock gained 2.8% to 162.35 Friday after the company topped earnings views with its Q3 results on Thursday. For the week GPC advanced 5.1% as the stock held its 50-day line and is in a flat base.

GPC has an official 165.09 flat-base buy point after a three-week rally, according to MarketSmith analysis.

The relative strength line for Genuine Parts stock has rallied sharply to highs over the past several months.

On Thursday, the Atlanta-based auto parts company raised its full-year guidance on growth across its automotive and industrial sales.

Genuine Parts earnings per share advanced 19% to $2.23 and revenue grew 18% to $5.675 billion in Q3. GPC’s full-year guidance is now calling for EPS of $8.05-$8.15, up from $7.80-$7.95. The company now forecasts revenue growth of 15%-16%, up from the earlier 12%-14%.

During the Covid pandemic, supply chain constraints caused a major upheaval in the auto industry, sending prices for new and used cars to record levels. This has made consumers more likely to hang on to their existing vehicles for longer, driving mileage higher and boosting demand for auto replacement parts.

Fellow auto stocks O’Reilly Auto Parts (ORLY) and AutoZone (AZO) have also rallied near buy points amid the struggling market. O’Reilly reports on Oct. 26.

IBD ranks Genuine Parts first in the Retail/Wholesale-Auto Parts industry group. GPC stock has a 96 Composite Rating. Its Relative Strength Rating is 94 and it has an EPS Rating of 89.