How to Choose Home Furniture: Anticipate the Activities in Each Room

Decorating a room with furniture can seem like an overwhelming task especially for new homes that are almost completely bare. It becomes easier to determine what kind of furniture to add by anticipating the area’s purpose and the activities that will be done in the room.

Is the room a place for entertainment? If so, then large seats such as sectional sofas may be needed if the room is meant to be the hub for all kinds of entertainment – from watching movies, to playing video games or board games, to simply conversing with friends and guests. An ottoman may be also added for extra seating. To complete the room, a side table or coffee table should be placed for cocktail trays and drinks during parties. An entertainment console is essential if you want to entertain guests with all kinds of media. This type of furniture conveniently keeps the television, DVD player, game consoles and stereo system all in one place. Media chests or drawers and cabinets may also be added for a convenient place to store DVDs, video games, TV guides and remotes.

On the other hand, if the room will be used for taking meals, then spare tables would come in handy. To keep the upkeep easy in your home, furniture that balances look and stain-resistance are excellent choices. Nowadays, you can easily find expandable wooden tables that don’t sacrifice look for utility.

If children will be frolicking in the room, then padded or upholstered furniture with no sharp edges can keep them safe. Kid-friendly cabinets and chests will also provide for easy clean up and storage of children’s toys. If this happens to be your child’s room, why not consider under-bed storage to help keep things neat and tidy? Another option is to choose bedding with a pull-out trundle to easily accommodate friends for sleepovers.

To redesign a room as the perfect place to read or study, consider adding various elements that give that cozy feel conducive to relaxed reading time. Reclining chairs, chaises and rugs are only some of these relaxing elements. Don’t forget the bookshelves and the right lampshades that provide ample light.

Planning out the layout of the house depending on the kind of activities expected in each room is one good way to narrow down what to look for before shopping for your home furniture. This way, you can anticipate what pieces to purchase first and avoid overspending on unnecessary furniture. This will work not only for your budget but also for the over-all order of your home. After all, a well planned home is one that guests are sure to remember when they come over.

Travel Website Dictionary

For the benefit and convenience of the traveler and adventure lover travel dictionary is compiled. This dictionary provided a complete guide to all the aspects of traveling. You might be a regular business traveler looking for some discount on travel cost or the wanderlust looking out for a vacation that many travelers do not take. For every kind of traveler with whatever their requirements, website dictionary is the solution.

There are a number of things that go into planning a vacation and without a good travel dictionary this is impossible on your own. The road map has to be conceptualized and the itinerary must be sorted out. While you can get a customized itinerary for you self you can also select one suitable to your travel destination from an array of great tours travel website dictionaries boast of.

Only a travel website dictionary will be able to get you the latest updates on prices of tours, discount packages and the umpteen frills all travelers look out for. You can get them right in your inbox by signing up with them. The latest fares and the festivals are all listed on travel website dictionaries.

Before spending your hard earned money on a lavished tour it’s always a good idea to sample its preview. And what better way to do that than through the eyes of experienced travelers and their travelogues. On a travel website dictionary you get the opportunity to communicate with there travelers who have been to the sites where you plan to go. Get the best tips and cultural information on the food habits, dress code and religious customs before you arrive.

A travel website directory is one that gives you the chance to sit back in your easy chair and book a travel guide over the net. Isn’t it a better proposition to have your travel guide waiting for you on arrival than to scout the alien city seeking one out. Travel agents who register on travel website dictionaries have a name for themselves, and can give you the right information which many guide books are unable off.

A travel website dictionary is also regularly updated and you will get all the latest information about new sites to visit, the recent change in hotel room tariffs and what is new in town. You can source contact numbers and get more information from their websites and agencies that have been listed. A Travel dictionary has a huge list of hotels, taxi services, insurance companies, travel guides and travel tips that you cannot expect to find any where else.

Organic Gardening Tips – 5 Tips to Successful Organic Gardens

Unlike the popular theories that state that the space shuttle could miraculously appear if blown up enough times, an organic garden is usually not the result of an accident. People that have a successful garden have created one based upon their consistent upkeep, planning, and a desire to make their garden grow. Regardless of the therapeutic value the gardening has, relaxation has little to do with the steps that it takes to ensure the success of your gardening endeavor. Here are a few organic gardening tips on how to make sure that your organic garden goals are reached by looking at planning, soil preparation, fertilizers, irrigation, and insect and disease control.

Tip #1 – a plan is always needed. Not something that is thought of and reconsidered over time intermittently, but a specified plan of action that leads to a specified end result. When you decide to grow your garden, and you choose to do it in an organic matter, you will need to take a few things into consideration such as location, the environment that the plants will grow it, the time that it will take in order for you to properly take care of your garden, how much effort will be involved and are there any resources that you may or may not be able to acquire in order to reach your final goals.

Once you have a clear written outline of what it is you need to do and what you need to acquire to reach your garden goals, it is time to start the plan into action. Action is everything once the goals are defined. If you set your goals but neglect factors such as good seed, compost, or even a source of good water for your plants, you will fail in your attempt because any compromise will lead to an overall failure.

Tip #2 – prepare your soil. Soil preparation is the foundation of the growth of any and all plants that you have. From the soil, the plants will be able to get their nutrients. Soil that is hard or dense will be almost impossible to aerate and therefore the plants will not get enough oxygen through the root system in order to thrive and flourish. Likewise, if there is no way for the water to evenly percolate to the plants roots in your garden, some plants will make it while others will die without consistent moisture, and some will be oversaturated and get root rot.

Another organic gardening tip is that you must also consider the consistency of the soil in regard to the amount of compost and nutrients that will be accessible to the seeds that will grow into the plants in the garden that you desire. By adding natural compost or other fertilizers to enhance the nutrients within the soil such as nitrogen or potassium, you will need to prepare this ahead of time, specifically as you are preparing the soil and getting ready to plant your seeds.

Tip #3 – Add compost. With reference to fertilizer, if you are doing this in an organic matter, some of the best fertilizer that you can get can either come from your compost pile or from a worm bin that you have created through your vermicomposting efforts. This needs to be prepared several weeks in advance so that it is ready to use when you are ready to plant. Compost that has not had time to properly finish will be detrimental to your soil and therefore proper preparation is always mandatory before getting ready to add these nutrients to the soil that will bear the fruit of your labor.

Tip #4 – Consistently water your garden. The consideration of water is also paramount in your success. You must have a way for your organic garden to get enough water on a regular basis so that it can grow unimpeded by the periods of droughts that are self induced by someone to did not plan ahead of time and create an optimal situation for the gardens irrigation needs. This includes having enough access to water, easy access through an irrigation system or hose system, and potentially a sprinkler system on a timer which can ensure that the garden is receiving water on a regular basis.

Tip #5 – Beware of insects. One final organic gardening tip that you should consider is that when your plants begin to grow, insects will appear. Weeds will also appear as well as potential diseases that can kill off your crop. This will take some wisdom on your part knowing the types of plants you are growing and finding natural alternatives to pesticides that may inhibit or deter the natural growth processes of your plants. If you are an organic gardener, you will not want to use these anyway and therefore finding beneficial insects that attack bad insects or natural scents or plants that will deter weed growth or disease is paramount in ensuring the healthy growth of your garden.

When considering all of these things together in a big picture, you realize that gardening cannot possibly be the result of an accident. There must be proper preparation and access to all of the tools necessary in order to make a garden successful and to make your efforts worthwhile. Take some time and use these five organic gardening tips to your benefit and make your garden one of the best you have ever had.

Black Friday: The Best Time To Get Discount Home Furniture and New Kitchen Appliances?

Ah, November. That time of year when (in most places) the air takes on a pre-snow chill, the last of the leaves start to crinkle and fall from the trees and, most importantly, the Shopper Monsters in us begin to poke their heads out and sniff the air.

It started on the very first day of the month. All through October you saw Christmas-y things peeking out from store corners — a roll of wrapping paper here, a sprig of holly there — but you didn’t really think about it. Maybe you didn’t want to think about it. You were still deciding on what candy to hand out to trick-or-theaters, after all.

Then, without warning, November hit, and with it, the holiday season. As you browsed department stores looking for day-after-Halloween candy deals, you couldn’t help but notice it looked as if the North Pole exploded all over. Your Shopper Monster growled and wagged its tail eagerly. You gently tugged at its leash and got into the checkout line, where you saw that they were already selling Christmas-themed candy, at three times the price of the discounted bag you were getting ready to purchase. The days have passed, growing shorter all the while, along with the patience of your Shopper Monster.

Soon it will be here. The most magical day of the year for your Shopper Monster: Black Friday. Just as it did in years’ past, by now the Shopper Monster will have wriggled its way out and started hauling you around, while all you can do is flail behind helplessly, holding onto the leash for dear life, pretending you have some semblance of power over the beast.

Other people’s Shopper Monsters are even worse; more than once they’ve been driven to go straight to bed after Thanksgiving dinner so they can wake up at an ungodly hour and spend the day fully energized, racing from store to store, finding the best deals on this mp3 player and that blender. Others have powered through the day aided by espresso shot after espresso shot. Still others waited for midnight to hit, refreshing their Internet browsers over and over so they can get first dibs on the online deals.

And what for? All in the name of discount home furniture and new kitchen appliances. The truth is that Black Friday can save you a lot of money, but being a smart consumer all year round can do the same thing. Black Friday is just one day out of the year stores have big sales — most will have at least one other big blowout at some point in the year, and will always have a few things on sale throughout the year.

Checking online frequently is the easiest way to check for discounts on home furniture, kitchen appliances and everything else you don’t want to pay full price for. You might be able to save a lot of money on Black Friday — your sanity is a whole other story. Keep your eyes and ears open for deals 365 days a year, and you’ll be able to keep that Shopper Monster happy all year.

Details About Working With an Online Travel Agency

When you are looking to book your next vacation or your next business trip, you may be considering using an online travel agency. Before you decide to do so, however, you should be aware of what to expect from an online travel agency so you can determine how best to match that to your own unique needs. There are several different levels of service in which to classify online travel agencies, the level you need depends on your trip requirements as well as your personal travel and leisure preferences or desires.

Quite simply, you should be able to find an online travel agency that can fulfill any expectation you may have. Whether you prefer self-service travel plans where you do all of your own searching and booking, or a full-service online agency that handles every detail on your behalf, there are many options available. Depending on the type of travel you will be undertaking, there are also various options that you can consider among online travel agencies. Some specialize only in travel packages, while others offer a la carte menus of travel services for you to pick and choose.

There are several expectations, however, that are universal to all online travel agencies. These have to do with the minimum level of service provided and the quality and competitiveness of the types of travel being sold. It is best to qualify the online travel agency on all of these expectations before you choose to enter into partnership with them for the travel you are seeking to plan.

The first universal expectation that you should have for your online travel agency is having a variety of destinations and packages available to choose from. It does not matter what specialty the agency might have, from full-service travel to niche travel such as cruises or unusual destinations. No matter what is being sold, you always want to partner with an agency that provides options. While the first option you see may very well end up being the best choice or the best value, you will have no means of determining that unless other options are available for comparison. Good self-service travel sites will readily offer you comparison information. Full-service online travel agencies should compile that same information and present it to you when you are in the process of making a decision.

The second universal expectation you should have when using an online travel agency is that they offer the same basic types of vacations from more than one carrier or provider. For example, you can choose between two major airlines for the same New York-to-Miami flight leg of your trip. If an online travel agency represents only one brand, they are not truly a travel agency; instead, they are a representative of that brand. If only one brand were offered, customers would have no means of evaluating whether the services and products offered were of value or were worthless. Having a number of providers to choose from when selecting hotel or airfare or cruise line shows that the travel agency is actively updating its site with the best prices and options currently available.

The third universal expectation that you should have for your online travel agency is price competitiveness. Although travel agencies sometimes charge fees to travelers in order to off-set their cost of doing business, those fees must be fair. The charges for the actual travel services you see published through online travel agencies should be no more than what you would pay if you went directly through the provider, and, in fact, less if bundled with other services.

The final universal expectation that you should have for your online travel agency is a service-level guarantee that ensures you get what you pay for and are treated in a courteous and appropriate manner. Online travel agencies should also offer some form of a guarantee for your purchases that no foreseeable action on their part or the part of the service provider will interrupt your travel. They cannot warrant against freak or random occurrences, but they can ensure that their own offerings are solid before offered.

Perhaps the best thing about using an online agency is the availability of customer reviews and feedback you can read before making a final purchase. Another nice convenience, for repeat customers, is the ability to create your own customer profile that allows you to save certain options in your preferences that will streamline future vacation planning. You can save time and hassle by storing any corporate or membership discount numbers, frequent flyer numbers and other pertinent information on your customer profile.

The expectations you hold for the online travel agency you select as a partner may be varied. If they can uphold these four basic standards of quality, you can be assured that you are getting sound representation and the best deals available.

Centers For Medicare and Medicaid Services – Home Health Quality Measures Explained

The Centers for Medicare & Medicaid Services (CMS) is part of the federal government’s Department of Health and Human Services. Because many Medicare and Medicaid recipients are elderly, much of the funding goes to nursing homes or eldercare services. Health agencies that receive certifications from Medicare undergo an assessment every three years. CMS assesses these home health agencies via quality measures and publishes each agency’s results.

CMS & Home Health

CMS provides scoring for all Medicare-certified home health agencies via Health Compare. The quality measures take into account: (1) the patient’s improvement in performing a variety of activities of daily living (ADLs), and (2) whether the patient’s health improves or stabilizes over time.

It is important to note that the quality measures should only be used as a general guide. Many home health care recipients are elderly, and each patient’s needs are different. Some patients are recovering from surgery or a medical emergency. Others have chronic and worsening medical conditions. Therefore, the lack of improvement in some home health care recipients is not due to poor standards or substandard care, but rather due to declining health. In addition, Medicare’s quality measures for home health are fairly recent and are still being refined. Currently, the quality measures provide a baseline to help consumers see how a local agency compares to both state and national averages.

CMS Quality Measures

CMS quality measures are used in Medicare-certified home health care agencies in order to come up with the final scoring. Medicare details the following quality measures:

* Three measures related to improvement in getting around:
– Percentage of patients who get better at walking or moving around
– Percentage of patients who get better at getting in and out of bed
– Percentage of patients who have less pain when moving around

* Four measures related to meeting the patient’s activities of daily living:
– Percentage of patients whose bladder control improves
– Percentage of patients who get better at bathing
– Percentage of patients who get better at taking their medicines correctly (by mouth)
– Percentage of patients who are short of breath less often

* Two measures about how health care ends:
– Percentage of patients who stay at home after an episode of home health care ends
– Percentage of patients whose wounds improved or healed after an operation

* Three measures related to patient medical emergencies:
– Percentage of patients who had to be admitted to the hospital
– Percentage of patients who need urgent, unplanned medical care
– Percentage of patients who need unplanned medical care related to a wound that is new, is worse, or has become infected

Your Home Furniture- A Reflection of Your Personality

Furniture is the basic essence of every home. Whatever the kind of furniture – bedroom furniture, patio furniture or , all go a long way in giving your house that special look. The furniture is among the very first things to get noticed the moment someone enters your house. After all, the furniture you choose is a reflection of your personality and gives an insight into your outlook towards life. Not only the essential furniture, but also the seemingly insignificant add-ons like rugs, lamps and tables give the onlooker a fair idea what you are all about. Beds, bunks, tables, chairs, couches, and spreads for all of them, clearly indicate the behavioral traits of the creator of that setup.

Picture a scene when you enter a friend’s flat. The is bare except for a used plate, and the dining chairs scattered around aimlessly. A piece of clothing lying on the dirty looking rug, and a bare look accentuated by a couple of poorly polished cane chairs. A center table that looks like it came straight from a garage sale. What comes to mind? A bachelor’s pad, no doubt, and one who is not too concerned about the way he lives. If this is the way he keeps the furniture in his home, this is probably how he will treat all who come in contact with him- a casual, laid back attitude that whatever is, goes. Neatness is the last thing I’m bothered about. Let me live my life- others don’t really matter.

Cut to another view. A neat, plush black leather sofa set inviting you to just sink into its depths. Promising to envelope you in comfort the moment you decide to settle into it. A dining set including an etched glass top dining table covered with a handsome , with smart looking, matching dining chairs to complement its beauty. A neat bar in the corner sporting all the latest and exquisite labels. Matching curtains to complement the entire set of the living room. What comes to mind? Obviously someone who doesn’t like to take things lightly. A perfectionist who would go out of his way to achieve that special something. Comfort matters to this man, but class is equally important. And we haven’t even entered the bedroom yet.

Which one would you like to be identified with? Take your pick.

Of course, what I have cited are two extreme examples, just to put across my point. While you may not fit into either of these, what matters is that you understand the immediate effect the look of your furniture has on the people whose opinion matters to you.

So when you decide to go in for that smart rocking chair in the home-decor exhibition, be sure to first give it a long, cool thought. Does that attractive looking piece in the show window really go with the theme of your home furniture, or is it looking attractive, yet would do well to continue sitting there itself? Take your time choosing your pieces, and you will never be the loser.

Eldercare Tips – How to Hire Help Your Parents Won’t Hate Through an Agency

How can you find capable and honest people whose quirks won’t drive your parents nuts? How much will they be paid? For how many hours at a stretch? How many stretches per week or month? Will these people be employees of yours/your parents? Of an agency? Or independent contractors? Do you know how the IRS determines these things and what paperwork and record keeping are required? Have you thought about worker’s comp and withholding? Suppose the applicants don’t speak much English?

Finding Candidates
There are two common ways to find help. Your parents can hire workers through an agency or can hire privately using referrals from friends, neighbors, physicians, local groups, or advertisements. Do you and your parents know the pros and cons of each option?

Agency hires
What are the pros and cons?

If your parents hire through an agency, the helper is the employee of that agency. It will find candidates, select a helper, pay that person, withhold taxes, provide W-2 forms to the helper, and bill you/your parents at its hourly rate. Although your parents will not have to recruit, screen, or haggle over wages, they will have limited choice in whom the agency sends – but somebody will show up, including substitutes when your parents’ worker is ill or on vacation. Clients may ask about the agency’s hiring and screening policies but are expected to rely on the agency’s selection.

If your parents have a problem with the worker, they can call the agency and a supervisor will talk to the worker for them. This is a strong argument in favor of agency hires, as long as your parents are willing to ask for help. How likely are your parents to report dissatisfaction while problems are small and easily fixed? Will they have the moxie to call the supervisor? Will they let you know?

Your parents will probably be charged between $20.00 and $40.00 per hour and will have to agree to a minimum number of hours per visit, usually four. The worker receives about half of the agreed-on fee. If the worker is dissatisfied with the fee schedule or benefits, that dissatisfaction is with the agency, not with your parents. Most agencies have policies prohibiting clients from supplementing salaries or giving gifts to their helpers. This is to protect clients from pressure by rather poorly paid helpers. If a helper suggests ways to skirt this policy and bestow tokens or riches, the agency should be told immediately. This could lead to financial abuse. Will your parents tell you or the agency promptly if this happens?

Types of agencies:
If your parents need simple housekeeping, they should work with a housekeeping agency. If they need in-home help including personal assistance, they should use agencies that specialize in in-home helpers and non-medical personal care providers. If they need assistance with health problems, they’ll need to look into more skilled home health aides.

The first option, housekeeping agencies, provides people who clean homes. But even this apparently simple option should be influenced by the results of the check sheets.

• Some house cleaners sent by housekeeping agencies bring their own cleaning supplies. That’s a help if it saves you or your parents a shopping trip, especially one that involves hauling heavy containers. But it’s a problem if your parents want specific cleaning products used and not others.
• House cleaners from agencies probably are on a fairly tight schedule, will come in, clean, and move on to the next house and may work in pairs or teams. This is great if your parents want the house cleaned quickly because it reduces the time somebody is in their home. But it can be a problem for a parent who doesn’t like people in the house because it increases the number of people there at one time. And with a team cleaning, several rooms may be in upheaval at the same time.
• Agency house cleaners may also chat with each other, and not necessarily in English. This can be a problem if your parents don’t want the noise involved with several people cleaning and talking. If they want to work along with or supervise the helpers, they may hit trouble both because of the helpers’ time constraints and also because they may not speak much English. And, if your parents want sociability as well, they may want to avoid this option. These workers get paid for cleaning, not talking, and need to move quickly and get on to their next job.

The second option, agencies that provide personal assistance and light housekeeping, offers more services and more sociability. Even if your parents don’t need much assistance beyond light housekeeping at this point, choosing an agency that provides in-home health aides may make sense. As your parents’ needs increase, they won’t have to start fresh with a new agency. These agencies provide employees who can offer broader services including transportation, sociability, assistance with activities of daily living (ADLs), and other support. In essence, your parents make a list of things they’d like help with, how many hours a day/week they’d like assistance, and the agency does its best to match the request with their available staff. The agency bills an agreed hourly rate based on the level of difficulty of the services provided. It has policies about weekend, holiday, and overtime charges.

To get the best match through an agency that provides help beyond housekeeping, you and your parents should give the intake worker at the agency a detailed list of what your parents want help with and how they want to be helped. These checklists should be reviewed right away with any helper who shows up at the house to prevent the well meaning 19-year-old aide from driving your parents crazy by gabbing all day long about a fruitless search for a soul mate. Review the checklists and work regularly with the aide, and pass the feedback along to the aide’s supervisor at the agency. Attention to little details at the outset will make eldercare services more tolerable to your parents now and in the future.

By And Large, Business Travel Is Not A Pleasurable Experience

Business travel has become so common that a considerable proportion of the corporate world of America is spending more time in airplanes and hotels than on their couches or in their automobiles.

According to a recent estimate, about 40 million adults in the US travel on business at least once a year to a location about 50 miles from home. More than 20 percent of the trips made by African Americans, for instance, are related to their work.

Those who do not need to travel frequently on business consider business travel glamorous and exciting. However, in reality, business travel is often arduous.

It is tough physically, tough on the family, and especially tough on the pockets of businesspersons who do not have the luxury of generous expense accounts to take care of their travel expenses.

In addition, those who travel on business regularly, quickly wise up to the fact that a stress-free and safe journey requires the smooth functioning of a number of interconnected factors, which includes the vagaries of the weather.

According to a study conducted recently, monitoring business travel trends:

– 58 percent of business travel is undertaken for association meetings and conferences,

– 43 percent comprising of business travel made by individuals,

– and 29 percent for corporate meetings.

The study also identified some of the most popular destinations within the US for business travel. They are:

– Washington, D.C.,

– New York,

– Los Angeles/Long Beach,

– Chicago,

– Atlanta,

– Boston,

– Houston,

– Minneapolis-St. Paul,

– Detroit,

– and Dallas.

Irrespective of what the destination is, business travel is seldom an enjoyable experience. Some companies will allow their business travelers the opportunity to enjoy their travel surroundings but this is usually short lived depending on the demands of the trip.

Business travelers, who have to make frequent trips, need special facilities to ease the hassles of traveling. Airlines and hotels are increasing the levels of services they provide in order to meet the growing demands of business travelers:

Usually, business travelers research fares on their own and make their reservations online. According to a survey, it was found that only 32 percent of corporate travelers used the services of travel agents for their reservation needs, while the rest, 68 percent, preferred using the internet or online services to plan at least some part of their business traveling arrangements.

Business travelers are usually technologically conversant; hence, choose to handle all their traveling arrangements through the Internet, limiting the necessity of having to interact with travel agents and professionals dealing with customer service.

Most tourism related sites offer one-stop travel facilities for reservations of flights, booking rooms in hotels, and providing transportation on the ground.

Major airlines like Delta and American have included travel-friendly features like locating cheap fares, finding economical hotel accommodation, and hiring cars on a rental basis inexpensively on their websites.

Travelers, thus, can make arrangements for an entire business trip, which includes seating preferences, confirming special food requests, and a text message or e-mail verifying their flight status and information about the departure timings with a few clicks of the mouse button.
Most of these sites provide boarding passes that can be printed out and online check-ins within 24 hours of the departure of the flight.

At the airport, those travelers in a hurry can take advantage of check-in kiosks in order not to have to wait in long lines, and get their boarding passes and their seating information.

Frequent Flyer Miles, Automatic Upgrades, and Comfortable Seating:

One of the biggest perks of traveling frequently on business is the facility of accumulating points, which can be exchanged for vacations. Travelers, therefore, are always on the look out for hotels offering generous points facilities.

Frequent air travelers also favor automatic upgrades and comfort inside the airplane, such as generous legroom and additional storage facilities overhead. Business traveler programs like Elite-access provided by Continental Airlines offer comforts like guarantees of no-middle-seat and upgrades to the first class if possible.

Getting Value for Money:

Companies are constantly curtailing overhead expenses by cutting down on the travel allowances they give their executives, while business travelers look for ways in which they can maximize their allowances to the fullest.

For example, several hotels offer free breakfasts, while others provide complimentary facilities such as a welcoming snack or allowing their guests to make free long distance and local calls. Many hotels also offer free newspapers, tea and coffee.

Everything You Ever Needed to Know About Payday Loans But Were Afraid to Ask

A payday loan is a small short term loan you can use to cover expenditure until your next payday. You can apply online and the decision to loan you the money is made almost straight away. In most cases the whole application can be completed online and the money loaned can be credited into your bank account on the same day as you make your application.

A payday loan is an unsecured loan, so it is not dependent on collateral, such as you owning a house or car etc.

Generally when you make your first application you can borrow any amount up to £300, depending on your take home pay. You are more likely to be approved the less you want to borrow, so it is advisable to borrow only what you need. Once you have successfully repaid loans with one particular company they may then offer to lend you anything up to about £750 in subsequent loans.

Payday loans can provide a useful solution for short term cash flow problems.

Who can apply for a Payday loan?

In order to be eligible for a payday loan you must be over 18 years old and in employment with a take home wage of at least £750 per month. You must also have a bank account with a valid debit card.

Even if you have bad credit history you should still be able to obtain a payday loan as long as you fulfill the above criteria.

How do you get a Payday loan?

The majority of payday loans are available online, so there is no delay with faxing or posting of documents. The application process is quick and easy to complete. You will be asked for your name, address, details about your monthly income and employment, when your next payday is, along with the amount you wish to borrow and your bank account details.

Once you have submitted your application you should hear back from the payday loan provider within minutes. They will email you with their decision to the email address you have registered with your application.

Payday loan providers partly make their decision as whether to lend you money dependent on the amount you want to borrow compared to the amount you earn. Only borrow what you need, the less you borrow the more likely that your application will be accepted and the smaller the amount of interest you will accrue.

If your application is successful you will be sent, by email, your loan agreement showing the amount that will be lent to you, the repayment date and the amount of interest you will pay on the repayment date. Along with the loan agreement you should also be sent loan conditions. These loan conditions should outline your rights under the Consumer Credit Act 1974 along with details about repaying the loan, cancelling the loan and the use the personal information you supply when applying for the payday loan.

If you are happy to proceed you sign online by providing details of your name and answering a security question such as your mothers’ maiden name. Then, email this back to the loan provider and the money will be deposited into the bank account you registered at the application process. The money can be deposited in your bank account on the same day you make the application, so this is a very fast and efficient way of borrowing money short term.

How do I repay the loan?

You will need to repay the loan amount and the interest accrued on the repayment date as specified in the loan agreement. The repayment date is usually your payday, hence the name payday loan.

The repayment will be collected by the loan provider by debiting the bank account you registered at the application process, which is the bank account into which you get your wages paid.

Repayment over a longer period

Payday loans may be extended if you find yourself in a position to be unable to satisfy all or part of the amount due on the repayment date. If this happens it is recommended that you contact your payday loan provider as soon as possible and explain your circumstances to them. They will then be able to explain your options and how to go about extending your loan.

Even if you are not able to fully settle the repayment amount, it is advisable to pay off as much as possible on the repayment date. This will help to keep the amount of interest you owe to a minimum. Some companies may charge you additional fees for extending your loan, you should check if this is the case before you sign your loan agreement.

Regulation of Payday Loan Companies

Properly regulated payday loan companies must adhere to strict laws governing the finance industry.

As with any financial product you apply for it is always advisable to check that the company offering the loan is properly regulated. The payday loan company you are applying to should show its Consumer Credit License number within its loan conditions and it should also be authorized by the Office of Fair Trading. If you are in any doubt as to whether the payday loan company you are considering applying to is fully regulated then you are within your rights to contact either of these bodies for further information.

As long as the payday loan company you are applying to is properly regulated, there will be a recognized body to make any complaints you may have to and you can be assured that you will not be subject to any unfair practices.

What are the benefits of a Payday loan?

Fast

One of the main benefits of a payday loan is the speed at which the cash can be credited to you. The money you need can be available to you in your bank account on the same day that you make the application. This can provide valuable assistance if you have a short term cash flow problem and need money in an emergency.

Simple

The application process is very simple, it takes just minutes to apply for a payday loan and you do not have waste time posting or faxing documents to the payday loan provider, as you would with other more traditional high street loans.

Poor Credit History

Payday loans are available to people with a poor credit history. This is because payday loan companies do not solely make their decision to lend based on a persons credit history. As long as you fulfill the application criteria you have a good chance of obtaining a payday loan. For many people a payday loan may be the only way they are able to obtain credit, especially in the current financial climate where the majority of lenders are unwilling to provide loans altogether, never mind to a person with a poor credit history.

Use of the Loan Money

You do not have to tell the payday loan provider what you need the payday loan for. You can use the money for whatever you want. You may need money in an emergency which can not wait until payday for instance; emergency medical or dental treatment, to settle a bill quickly, extra spending money on holiday or even for a romantic weekend away. The choice is yours as long as you make the repayment due on the repayment date.

No Upfront Costs

There are no upfront costs associated with a payday loan. You do not pay anything back until the repayment date you have agreed to in the loan agreement.

Why does the APR appear high on payday loans?

The APR applied to payday loans appears at first glance to be high. This is very misleading, but there is a simple reason why this figure looks so high. APR is an Annual Percentage Rate, and as such is calculated over a whole year (365 days). However, a payday loan is taken usually only over a number of days or weeks.

The APR calculation was not designed to apply to very short term loans such as payday loans. It was designed to apply to long term loans in existence for a year or more. It is really a theoretical figure than enables people to compare similar longer term loan products, like mortgages or ongoing credit balances.

Rather than relying on the APR rate it is more advisable to look directly at the loan agreement to see exactly how much interest you will be charged for the period of your payday loan. Some companies have a standard interest charge for the amount you wish to borrow regardless of the duration of the loan. It is then up to you to decide whether you will be able to repay both the cash advance you receive initially and the interest amount on the repayment date.

To Conclude

Many people do not have savings or access to credit cards or more traditional loans and so the convenience of a regulated payday loan provides piece of mind should the occasion arise that they need some money quickly.

If you need money in a hurry, can not wait until payday and are confident that you can make the necessary repayments on the repayment date, this could be the ideal solution for you.

Overall, payday loans are convenient, easy to access and offer a viable option for people who require money quickly for whatever reason.