Text a loan at eye watering APR

The weekend has arrived once again and I decided that it would be wise to stay indoors this Saturday night, there was very little money in my account, and I didn’t want to put myself in a situation where I would be totally penniless. I wanted to leave a little something in there for food, electricity and other bits and bobs. Besides lately I’ve been tying to live frugally and only buy things that are actually necessary.

About 2 hours later after watching some seriously boring Saturday TV, and a bit of peer pressure from my mates, I decided that I would go out and just live on baked beans until next week when I got paid.

So imagine my absolute horror when I reached the cash point and found that my balance was £0.32…Oops, I guess that £150 leather jacket wasn’t exactly a necessity. But still I thought there would at least be a couple quid still I hadn’t realised that I had spent quite so much. The cab was going to be here any minute, my friends were all ready to go and I had no money. Not only was this a really embarrassing situation, it was also very frustrating and annoying.

That’s when one of my friends suggested TxtLoan, You simply send them a text, and within minutes your account is credited with £100. Easy. A little too easy I thought. So I looked into it a bit further.

I found that £100 needs to be paid back within 7 days in order to escape paying any extra charge, however, on day 8, £110 needs to be repaid which works out to be monstrous 994% APR.

If for any reason I find myself unable to make repayments by day 9, TxtLoan will send me a reminder which comes with its own £25 “administrative and transaction fee” which will increase the amount repayable to £135. All of a sudden this loan isn’t looking too attractive, and it gets worse.

If by day 11 I’m still not able to pay the loan back, I’ll be sent another reminder and again charged £25 administrative and transaction fee. This pushes the total loan amount to £160. By day 16 I’ll owe TxtLoan £180, and by day 23 I’ll have to pay £200.
Txt loan say “Day 46…if the loan is not paid back in full, we refer the loan to our collection department which incurs an additional £46 administrative charge and transaction fee and we may refer the loan to our collection partner.”

The company appeals to people who are living from pay cheque to pay cheque and young people who don’t really think about when they actually have to pay the money back. The company comes down very hard on customers who can’t afford to pay the money back straight away.

Although the company claim that they are there to “help people overcome day-to-day cash flow problems, they also encourage people like me who may need it for a night out, for fun or to go shopping.

Text loan only declines people who have been declared bankrupt or been subject of debt collection within the last 18 months. Other than that anyone, no matter how poor their credit status is and regardless of how much debt they are already in, has access to £100 to get themselves into even more debt.

There has always been pay day loan companies and quick cash lenders about but this must be the fastest and the most expensive.

All that information quickly put me off the night out, the programme that I had initially deemed boring suddenly became very interesting, so I wished my friends a great night and waved them goodbye, and opted for a quiet, debt free night in front of the TV.

admin Money text a loan

Online Dating Mature 50 Plus Singles

The internet has become an indispensable part of daily life with even individuals in their fifties and sixties taking to it actively for their daily tasks. It is not surprising therefore that this wonderful tool is also being used aggressively to make friends as the opportunities present them selves very easily at just a click of the mouse.

Senior people in their fifties and above who were hitherto handicapped to some extent in finding friends due to physical limitations have welcomed this technological advantage and are able to now connect with people of their age and preferences. It is not easy for an over fifty person to walk into a bar or social club and strike conversation with somebody or look for a date.

Most of them have reached a stage in life where they are reasonably well settled having brought up their kids and made them self sufficient. However, some of them suffer from loneliness due to separation from their spouse due to death or divorce and would like to seek the company of somebody who would be a good friend to them. These people are not looking for marriage or sex per se and just want a good friend for company. Having got emotionally scarred from an unhappy relationship with their existing partner, some of these people are chary of getting into another relationship, but have no choice due to the dreadful loneliness they face.

Many mature dating internet sites have cropped up to encourage such kind of mature dating or senior dating wherein people try to look for like minded friends. These sites know the difficulties of dating for these senior individuals and are trying to make it convenient for them through the process of matching profiles and tastes without the person having to leave the comfort of his home. Since these sites concentrate specifically on this age segment, it becomes easier for somebody over fifty to look for a partner or friend without having to sift through many irrelevant profiles. Moreover, for the uninitiated, these sites guide them step by step on how to create a profile and get into the process of finding their companion.

Having registered at the site and found some compatible members, the next challenge is to ascertain the like mindedness of the individuals identified. This is the most crucial parameter and the foundation on which a mature dating relationship can be forged. After all, like mentioned before, people over fifty are not looking for casual flings and are very serious about seeking a good friend and without this factor of like mindedness, the relationship is unlikely to sustain. Hence common interests, similar mental make-ups and desires have to be the starting point for any such relationship to develop.

If mental compatibility can be achieved, the rest is easy. The relationship can develop into something deeper over time and it is entirely up to both the members as to how they wish to progress on that front. At the same time, at any stage in the relationship both of them need to possess the maturity and humility to let go in the event of one of them wanting to opt out of the relationship for any reason.

admin Relationship 50+ 50 plus, chat, companionship, fity pluse, friendship, grey dating, online dating, romance, saga dating

In these times of synthetic craze and hype about everything unnatural, it is indeed heartening to hear about something natural. Waldorf dolls is one such item that is made out of natural materials and made in such a manner that there is a lot of scope for the purchaser of such dolls to give it distinct identities. The finish of these dolls is left pretty vague so much so that even the sex is not known and it is left up to the young child for whom these dolls are meant for to give full vent to its creative imagination and lend it a form that is special to the child.  These dolls have become very popular mainly due to their low cost of manufacture and the fact that they allow so much of creative freedom in a child. It is indeed a source of great accomplishment and achievement for the child, when it is able to fashion out something out of nothing and it is for the parents to encourage this freedom of expression in their children by making available all necessary resources to make that happen. Parents will also carry with them a positive feeling that they have contributed to the learning of their child in a manner that is without danger and within their budget.

So what is it that makes Waldorf dolls different from the other more popular ones in the market?

• These are hand made with natural elements like cotton and wool stuffing.
• Since they are hand crafted, they often carry the maker’s love and dedication within them, which is very different from the dolls churned out by machines in the factory.
• These dolls convey a feeling of warmth and snugness due to the materials used making them ideal for small children.
• The ones made for infants do not need to be dressed since the body itself is covered with attractive colored fabric
• The variety available is good from very simple babies to more advanced dolls complete with button joints.

While the most basic one is the bunting baby, which can be put together pretty quickly, more advanced dolls with arms and legs without any joints are equally popular with children. Parents are finding such dolls ideal gifts for their children as they are able to garner the additional resources pretty easily in today’s times. The internet, books and other word of mouth information on these dolls have made it very convenient for parents to gift Waldorf dolls to their children, knowing fully well that they encourage creativity and are harmless. It is also a good idea to check with local craftsmen and stores that hold classes for such a hobby. They are quite affordable and you could pick up some skills that would save you a lot of time that you would have otherwise spent in learning them from books or the internet. You will also benefit from the experience of making new friends at such workshops.

It is also useful to look around the popular resale markets for better variety of resources that may have become available, thanks to the growing popularity of these dolls with time.

ovi Wura