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

Staycationers helping UK’s economy

The economy is often compared with a lot of things but not often is it compared with a balloon but that is exactly how it behaves sometimes; when pushed at one part it pops out at another. The economic downturn has affected the aviation industry adversely but the misfortunes of the aviation industry not only lead to a new word being coined about people who would have fly out of UK on expensive holiday to exotic destinations but have decided to take a holiday at home in UK; Staycation.

Staycationers are helping the UK tourism and hospitality industry as they spend money that will otherwise be spent abroad in UK. One industry that is benefiting tremendously from Staycationers is the camping equipment industry. One of the leading bike and camping equipment retailer in the UK Halfords experience a recession busting £61 million increase in earning which represent a 24% rise in its taking this year when compared with its earning pre-recession. Halfords online sale, which only accounts for 5% of its sales, is yet to enjoy the significant rise the brick-and-mortar part of its business has seen.

Other companies that specialise in camping equipment, products and services staycationers need to make the most of their holiday in UK also experience increase in business, online camping equipment specialist camping online said it has seen and increase in number of enquires from people buying tents and other camping accessories for use in the UK

admin Economy

Stores in central London, especially west end of London and other major shopping centres across UK are expected to do very good business over the Christmas shopping period because of the weakness of the pound against Euro and other major currencies.
Retail analyst forecast that the weak pounds will attract up to 20% more shoppers from US, EU and middle east, especially to the west end of London which is the most popular destination for foreign shoppers in Britain, about 1 out of 4 shoppers to visit the west end of London over the Christmas period are coming from abroad.

Ecommerce websites have also recorded increase in orders from outside UK as goods in UK becomes bargains to shoppers from EU and other countries, most online retailers are expecting a rise of up to 30% over the Christmas period.

You can find online shop and other offering good value for money at the shopping category of Wura directory.

admin Shopping online shopping, Shopping, weak pounds, west end

Financial security and the state of feeling secure is good for the life style we all have. There are many people who have many liabilities and one can not afford to be in financial trouble because there are many loans and other requirements. Each month has its own needs for money to be paid. How ever, life is full of uncertain periods and you must make all the arrangements that are sufficient even if there is some untoward incidents. Life Insurance is one type of guarantee that your loved ones are not going to suffer. There are many policies of insurance which give you enough coverage and also some bonus options as well.

While choosing the policies, you must choose the one which is nearest to your expectations. Involve your family in all such decisions. You need to calculate the amount which must be covered in the policies. All policies work with premium to be paid each year. You can request Life Insurance Quote from multiple providers. You must disclose all the conditions in the forms so that when it comes to claims, there are no problems. If you have any health conditions, those must be written in details. Go along with the details and find the security cover for your financial requirements for future.

admin Health & Wellbeing financial trouble, insurance, life insurance, life safety

Online Nursing programs, a convinient way to become qualified nurse

If there is one profession that has seen a yearly decrease in the number of people getting recruited, it is nursing. The number of resident nurses and particularly males has seen a drastic decline and that is a very threatening situation for the future of healthcare. In areas of trauma care, emergency services and other such requirements, the need for good male nurses has never been more pronounced. This coupled with many existing nurses due for their retirement is creating a situation wherein there is an acute demand for qualified healthcare professionals and the various hospitals and nursing institutions are doing everything possible to encourage people to take to this profession through accredited online nursing programs to train professionals already busy with other careers but may want to take up a career in nursing once you have a suitable nursing degree .
Over the years, these accredited universities have perfected their online training delivery system to produce many qualified graduates who are finding ready employment just like their campus counterparts. These online courses offer people the best opportunity to pursue a learning program at their pace while still being active in whatever they are currently doing.

In order to motivate the best of young males and females to take up nursing as a career and to wean them away from other preferred career options, nurse recruiters have been toiling hard and now are in a position to offer them attractive assignments and incentive payouts. As it is with the shortage that is being experienced, the salaries have shot up and better working conditions are being offered to interested people. The recruiters are aware that a professional in any other career will be able to provide good value addition in terms of both experience and knowledge and if they can make the entry into the noble career of nursing easier, many might make the switch. The expectation is that professionals from other fields with adequate training provided by online nursing programs will find the nursing career equally challenging and they will be able to contribute effectively to decision making, administration, process improvements, care management, coordination and many more. The need for nursing services is also being felt in the aviation and cruise line industries and the job openings for travel nurses that have been created is good news for those seeking a change of career.

The options available are many, ranging from Bachelor of Science in Nursing to Master of Science in Nursing and even post graduate qualifications. You can start off with the two year Associate degree programs and give your career the fillip it requires with these BSN, MSN and post graduate programs. The best part about such online nursing programs is that as a qualified professional, you can make inroads into the private healthcare sector as well and carve out your identity in specific companies related to this sector.

Those interested in vertical career movement within the nursing field and wanting to take up clinical research, nursing anesthesia and upper management functions, would do well to do their MSN program online. This will equip you with the theoretical as well as practical clinical skills to make a mark in the area you desire.

To summarise, the online nursing programs offer you flexibility of learning, ease of learning from the comfort of your home and provide you the opportunity to switch careers to something you may have always preferred but could not. The current crisis in getting good nurses means that you may not get a better opportunity to get in and the facilities the profession is offering is second to none. Besides the pay and other facets related to the job, it is the satisfaction of doing something noble and helping mankind that you can feel proud of when you take up nursing as a career.

You can find nursing related website and other nursing resources at nursing category of Wura directory

admin Health & Wellbeing accredited universities, Bachelor of Science in Nursing to Master of Science in Nursing, courses in caring, nursing, online program

Fashion is not something that just exists in the modern world, the first evidences of fashion have been found even in the early sixteenth century. Women get away with murder in our society, especially when it comes to the visual pollution called fashion, ladies fashion is constantly evolving in different style this day. It is common among women to  unconsciously make general fashion mistakes, when they go after the latest, fashion, wear and styles, to avoid this common fashion mistakes, you need to understand and learn more about women fashion advice, it is a great place to visit for great fashion tips.  It’s a place you’ll find  your beauty and fashion advice, grouped in easy to browse categories by season and type.

Dress right for your type, choosing a fashionable style that suits your body shape is a difficult task. The key to being fashionable is not in the brand of or how expensive the clothes you’re wearing but knowing what fits your body type and brings out the shape in you. Note that when choosing good clothes is to consider things like your body frame, skin tone and attitude to choose appropriate clothes. Not all cuts look good on every shape!

In other to look very active with what you are putting on,  you need to figure out what is the shape of your body, the most important lessons to learn when it comes to fashion is how to dress according to the shape of your body. Everyone has different body shape! Dressing to fit your body type is essential if you’re going to look good and feel good about the way you look. Having a good understanding of your shape and the type of fashion and designs that suit your body is the best way to show off the true beauty in you. Ladies fashion advice gives more tips on mistakes most women make in fashion and ways to avoid them.

admin Wura fashion advice, fashion tips, fashionable style, ladies fashion advice, ladies lifestyle

The latest introduction in the golf arena is the lightweight electric golf trolleys that enable a golfer to use it for the whole 36 hole course without the need to recharge the battery. Top end German engineering lends these trolleys excellent durability and reliability.
A lot of care is accorded to the components and the metal gauge used in the manufacture of these trolleys. The ergonomic design makes them very compact and they can be folded to be kept in storage when not needed.
Modern electric golf trolleys combine aesthetics, durability, and functionality with technology very well. So you have trolleys with digital display functions that assist the golfer with details of the speed settings, distance covered, status of the battery and digital braking for a quick halt.
The beauty about these electric golf trolleys is such that as a golfer, you can use the remote distance feature to accurately and automatically direct the trolley towards the next tee which could be about 10/20/30 meters away by selecting the appropriate choice on the digital display and you can move to the tee with just your putter. While your colleagues are busy trying to get their act together in moving their equipment to the new tee, thanks to this feature on your electric golf trolley, you have enough spare time to assess the green, plan your putt and make a good job of it.
Electric golf trolleys evolve all the time, in the early day, they usually come with huge battery pack which takes and awful long time to charge, modern electric trolleys are far lighter then their predecessors not only thanks to the lighter batteries but significant improvement in the entire chassis.

admin Sports electric golf trolley

The practice of engaging spiritually and devotedly to the Almighty is known as Bhakti Yoga. This aspect of Yoga stresses the importance of love and devotion that a devotee has for his God. Though this appears skewed towards religion and spirituality, Bhakti Yoga does not demand that a practitioner of this type of Yoga must be an absolute believer in God or profess allegiance to any specific religion. It only lays emphasis of developing a positive frame of mind and an attitude to suggest that a life of contentment and peace is only possible when you recognize the fact that you need to co exist with other living creatures. The quality of compassion and to some extent detachment is the attributes that it encourages in a practitioner. This is the essence of Bhakti Yoga and has helped many people to lead a peaceful and contented life.

There is no hard and fast rule to practice Bhakti Yoga. Every person can decide for himself the path he wants to tread. Some take to reading books on religion, while others prefer to watch special programs on religion on television or view movies that talk about religion and the omnipresent power of the Universe or God. There are some who take immense joy in the practice of meditation by just chanting the name of God, which helps them to maintain their focus and concentration on the divine. Indulging in community singing of prayers or visiting holy spots is yet another way of expressing devotion to the Almighty and all these are part of the practice of Bhakti Yoga.

The most striking aspect of this kind of Yoga is its obvious simplicity. There exists no compulsion to master a specific technique or method and since it empowers the practitioner with so much liberty, the compliance or allegiance to this form of Yoga is very wide spread. There is positivity in the manner in which the individual perceives Bhakti Yoga and that reflects in the way he behaves in normal life as well. This attitude of live and let live, while showing compassion and understanding for other living creatures rubs off on the people around the individual as well and this leads to overall harmony.

Practitioners of Bhakti Yoga experience and exude positive energy and they are also able to face the travails of life much better, secure in the knowledge that the Almighty will protect them against any danger. It is this faith and belief that provides the thrust and motivates them to maintain discipline in their allegiance to a particular God or faith. The other significant advantage that people following Bhakti Yoga claim is the fact that due to the immense faith and undiluted devotion to a particular object, their emotions are no longer suppressed and this result in a feeling of bliss. People who thus suffer from a severe sense of inferiority or angst over something will do well to practice Bhakti Yoga to bring about a cleansing of their inner self and lead a more contented life.

admin Health & Wellbeing Bhakti Yoga, build energy, devotion to god, yoga, yogi

This type of Yoga first brought to the fore by Yogi Swatmarama in the 15th century is regarded as one of the most important type of Yoga. Other types of Yoga like Power Yoga, Bikram Yoga, Kundalini Yoga and even Ashtana Yoga owe their origin to Hatha Yoga. ‘ Hatha,’ the word itself has been derived from the mother of many Indian languages, Sanskrit. It means a blend of opposites, the ‘ha’ meaning Sun and ‘tha’ meaning Moon. It signifies the unification of both the currents – positive and negative and finds its concentration principally in the 3rd and 4th breathing techniques or Pranayams. This Yoga is practiced with the objective of attaining that critical harmony between body and mind by following the physical body postures called Asana, a process of purification called Shatkriyas, some gestures called Mudras, breathing techniques called Pranayams and meditation by learning to relax the mind.

The Asana as well as the Mudras help to provide flexibility to the body and loosen the body muscles such that all stiffness disappears and the person feels the relaxation coursing through his body. Bone strength and muscle density is improved. In addition to the Asana and the Mudras, proper breathing techniques form an integral part of the Hatha Yoga activity. Since ancient times, it has been well known that it is not enough to just have a good physique and one must complement it with a sound and alert mind. It has also been known that the key to controlling the mind is through proper breath control. Hatha Yoga as a package therefore helps you unravel your physical and mental capabilities. Once you are able to control your mind, the meditation process completes the activity enabling you to experience a huge surge in your ability to concentrate and focus on a specific theme or purpose for a long time.

Hatha Yoga has been known to be very effective in providing great relief to persons suffering from scoliosis, which is a muscular-skeletal anomaly. The physical exertions stimulate the endocrine glands and boosts immunity while improving the circulation of blood. Internal organs are fine tuned and bone related conditions like arthritis is combated very effectively. The mental faculties of a person are greatly enhanced through regular Pranayam and respiratory related diseases like asthma and bronchitis are kept at bay.

Hatha Yoga is at the forefront as one of the Yoga types with its spotlight a lot on Asana and Pranayama to infuse energy into the channels or Nadis. In doing this, the focus of Hatha Yoga is primarily on the 3rd and 4th rungs of the 8 – rung structure of Ashtanga Yoga. This enables followers of Hatha Yoga to overcome hurdles that they might confront going ahead with Pratyahara or Withdrawal, Dhyana or Meditation and even Samadhi, which is Balance.

Hatha yoga can be practiced by people of all ages. Through the Asana and breathing techniques, critical and clogged energy channels within the body get liberated. The flow of energy is smooth resulting in a relaxed mental frame of mind free from anxiety and stress. The only discipline that needs to be followed is regularity, patience and perseverance to reap the benefits of Hatha Yoga.

Hatha Yoga is thus a complete exercise package aimed at boosting the physical and mental strengths of an individual.

admin Health & Wellbeing asthma and bronchitis, Hatha Yoga, Pranayams, scoliosis, Yogi Swatmarama