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3 Payday Loan Approval Tips

loan cashIn recent years, the UK has seen huge job losses as the financial climate takes a plummet. Not only that, but the cost of living has increased, which leaves many people with no choice but to apply for a payday loan so they can pay the bills.

Do you find yourself in a position where you need quick money to meet your financial obligations? If this is the case, then you should look to apply for a payday loan as soon as possible, because once you are approved then you can expect to see the money in your bank account within hours.

It’s really easy to find payday loan lenders to apply to. There are literally hundreds of lenders with websites online, which means with a bit of searching around you can easily fill in multiple payday applications.

Although the acceptance rate for payday loans is extremely high, there are some people who get declined. If you don’t want this to happen to you, then you should check out the following payday loan approval tips…

Tell the truth

When filling out your payday loan application, it’s important that you always tell the truth. Some people think that telling a little lie about their situation won’t do any harm, but the fact of the matter is that it will usually mean your application will be denied.

You see, payday loan lenders have many different ways of checking the information you provide, and if they spot any inconsistencies then your application instantly gets declined.

Apply for less

Another way to improve your chances of being accepted for a payday loan is to apply for less. At the end of the day, lenders are much more likely to approve you if you only need a a few hundred pounds.

Many people hinder their chances because they apply for the maximum amount (usually around £2000) but the main problem is that this figure could be more than 100% of their monthly income.

Use a broker

Did you know that it is now possible to use an online broker to help you get accepted for payday loans. The main advantage of a broker is that they can apply to multiple lenders on your behalf, which means you won’t have to do all of the hard work yourself.

Ultimately, by using the services of a broker, you can apply to more lenders, which in turn increases your chances are getting approved.

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Easy Ways to Save Money Around The House

property savingsEverybody could use a few extra dollars in their pocket each month, but finding ways to save money is not always straight forward. Many financial experts agree that the best place to start is around the house, as making just a few simple changes could turn into hundreds of extra dollars without much effort.

Keen to find out more? Keep reading to discover the easy ways you can save money around the house.

The television

Did you know that the humble television could be sucking money right out of your wallet, and you’re not even realizing it? For example, leaving the TV on at night wastes unnecessary electricity, while at the same time, expensive cable packages with hundreds of channels you don’t watch are costing you money.

With this in mind, always turn off the TV at the plug when not in use, and downgrade or get rid of cable completely, and opt for a cheaper service such as Netflix.

Buy items online

No matter if you are looking to buy curtain fabric or a new computer, you will almost always find the best prices online.

Amazon is usually a good starting point for general items, while specialist online stores are the best choice when you want to buy something more specific with more options. Don’t worry, entering your credit card details online is now perfectly safe as long as you are dealing with a trusted retailer.

Plan your meals

Want to know a simple trick for saving hundreds, and even thousands of dollars over the next 12 months? All you have to do is plan your meals on a weekly basis and then you are in a perfect position to buy only what you need when grocery shopping.

This eliminates waste and stops you from buying items that are not essential. As long as you stick to your meal plans then you will save money…guaranteed.

Turn off lights

Why do millions of people leave on lights when they are not even in the room? The amount of money thrown down the drain due to wasted electricity is staggering, and could be avoided completely if you just got into the habit of turning off lights when you leave the room or house.

Another good tips is to buy energy saving light bulbs that use up to 80% less electricity than ordinary light bulbs without any noticeable decrease in quality. They are slightly more expensive to buy initially, but over the long term you end up saving a lot of money.

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How to Appreciate Your Staff (and Keep Them Productive)

staffIn order for your business to keep bringing in the profits, it’s important that you appreciate your staff and keep them happy. As they say, a happy worker is a productive worker, and that’s essential if you want to keep everything running smoothly.

With all of this in mind you might be wondering how to appreciate your staff on a regular basis? You might think that simply paying them a salary is enough to achieve this, but in many cases it isn’t.

Fortunately, we’ve got a few tips up our sleeve to help you appreciate your staff and keep them productive. Read on to find out more…

Give them gifts

Every now and again it is a good idea to reward your staff with gifts to show them how much their hard work is appreciated. These kind of gifts don’t need to be expensive, and they can be as simple as some nice chocolates or a selection of beauty products.

Another nice touch is to put them in gift boxes which you can buy online here – for the best prices.

Ask their opinion

Another way to appreciate your staff more is to ask them their opinion about certain aspects of the business.

This shows that you value their input, are willing to listen to their ideas, and regard them as an important member of the team, which ultimately, shows them appreciation and helps to increase productivity.

Organize parties

Although most companies have parties during the Christmas period, for the rest of the year this is usually an area that is neglected.

However, by organizing a couple of parties throughout the year, you are clearly demonstrating that you appreciate and value your staff. Maybe have a party around Easter time and then an outdoor party is the Summer? This will go a long way to improve staff morale.

Be flexible about their holidays

Some bosses are very strict about when their staff can take holidays, almost to the point where it ends up causing someone to quit because they can’t get time off when they want.

That’s why being flexible about when people take holidays is a smart move when you want to keep everyone happy. Sure, it might not be ideal that someone wants to take 2 weeks off during the busiest time of the year, but organizing adequate cover is not usually that hard.


If you follow the tips above then you will go a long way in making your staff feel appreciated. This makes them more productive, which makes you more money in the long run.

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Main Things to Keep in Mind When Buying Clothes Online

sweatersWhen you consider that most clothes are cheaper online than on the high street, then it’s easy to see why millions of consumers now shop this way.

Not only that, but it’s also incredibly convenient, and with only a few clicks of your mouse you can do all of your clothes shopping in a lazy afternoon.

Buying clothes online does have some downsides though, especially if you don’t know what you’re doing. For example, if you get the measurements wrong in the ordering process then you’ll end up with clothes that don’t fit and have to be sent back, which ultimately, ends up wasting your time.

Below are the main things to keep in mind when shopping online:

Choose a trusted retailer

Don’t make the mistake of shopping at the first retailer you come across, as they might not be the safest. Unfortunately, credit card details are still being stolen online, which means you need to take the right precautions to keep yourself safe.

Let’s say you are shopping for movie costumes online and want to find a trusted retailer. The best way to do this is by searching on Google for relevant keywords and then going to one of the sites at the top of the results.

In this case, the best site would be as they always come out on top, so you can feel very confident about entering your credit card details and completing the transaction.

Look out for the shipping charges

Whenever you are buying clothes online then you’ll often have to pay shipping charges to get the package delivered to your front door. This is not always straight forward though, and many people get tricked into paying more than they should.

For this reason, it’s essential that you pay very close attention to the final price, and then look to see exactly how much you are being charged for shipping.

Also, be aware that many clothing retail sites will automatically add next day delivery to your order, which in many cases is a lot more expensive than normal delivery.

Understand the refund policy

Sometimes you will buy an item of clothing that just doesn’t fit. It’s frustrating, but it happens, and when it does you will have to send it back for a refund.

The vast majority of internet clothing retailers offer at least a 30 day money back guarantee, as long as you keep the tags on and send it back in the same condition as you received it.

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6 Ways to Spend 10 Thousand Dollars

dollarsMaybe you’ve just had a small win on the lottery? Or perhaps you found a stash of cash in the attic? It doesn’t matter how you came across 10 thousand dollars, all that matters right now is how you are going to spend it? Let’s give you some ideas…

Invest in real estate

Is $10,000 enough to buy a house or apartment? No. But if you go through a service like then you can buy a percentage of a property and start to earn rental income. Pretty good wouldn’t you agree?

Write the next great novel

If you fancy yourself as an author, then 10 thousand dollars could be used to get your novel out there. Sure, writing it won’t cost you much, but paying for services such as editing, designing, and publicity soon beings to add up. 10 thousand dollars is a good start.

Get a big TV

Have you ever wanted one of those huge LCD TV’s that cover your entire wall? This is your chance, as $10,000 should buy you a pretty big TV from a well known brand name such as Sony or Hitachi. Get some surround sound speakers and you are all set for a great experience watching your favorite shows and movies.

Travel round the world

Perhaps you’ve always wanted to get out of small town America and see some of the world. With this kind of money you can, as you’ve now got more than enough to buy a round the world ticket and also have enough left over for accommodation and food. You could soon be touring countries in Europe, Asia, and South America and having a great time.

Save the money

Sometimes it’s best to play it safe, and there is nothing more safe than putting 10 thousand dollars into a savings account with your bank. It might be a little bit boring, and most people won’t be able to do it, but it is the sensible approach. Just make sure you put the money in a savings account that gives you a high rate of interest.

Spend it in 1 day

If you want to go really crazy then why not try spending 10 thousand dollars in one day? You could treat your family to a meal at a very expensive restaurant, rent a Ferrari for the day, or even just walk around the streets giving the money away. This kind of spending spree isn’t for everybody, but it will certainly be a memorable experience.

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When to Get a Loan (and When Not to)

loans signWhen you need cash quickly, applying for a personal loan is often one of the best ways to have funds in your bank account by the end of the day. However, there seems to be an alarming trend of people getting a loan when they don’t really need one, and once someone starts to get into this habit then it can lead to money problems and even bankruptcy.

For this reason, it’s a good idea to understand exactly when you should get a loan and when to avoid one completely Keep reading to find out more.

When to get a loan:

Pay your bills

If you’re in a situation where you can’t pay your bills this month then a short term loan such as a payday loan could be the answer. This allows you to borrow a small amount until your next “payday,” where you can then instantly pay the money back once the wages hit your bank account.

Fund a major purchase

Buying something like a new car or house usually requires some form of a loan to help you complete the purchase, and without it you probably wouldn’t be a car or home owner. For example, a car dealership will finance you for a new car, or a mortgage company will loan you money when buying a house.

Start a business

As the old saying goes, “it takes money to make money,” and if you are thinking about starting up a new business then you’ll probably require some startup capital.

In order to reduce your risk, make sure you completely understand the business you are entering and have a business plan that shows exactly how you are going to get customers and make money.

When not to get a loan:

Buy consumer goods

The quickest way to get yourself into money trouble is to start taking out loans to buy consumer goods. Let’s say that you need $500 to buy the best coffee maker on the market right now, but you just don’t have that kind of cash in your bank account…do you get a loan for it?

Absolutely not, mainly due to the fact that it’s not an essential purchase and you will be fine without it. There is nothing wrong with buying consumer goods when you can afford them. Just don’t get a loan.

Go on vacation

Everybody needs a break now and again, but is it a good idea to apply for a loan in order to get the cash so you can on vacation? The answer is no, due to the fact that you don’t really have to spend any money on a vacation.

As an example, you could easily go camping for very little cost or even go to visit family or friends. Only go on an expensive vacation when you can easily afford it.

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4 Things to Consider Before Making a Career Change

workIf you spend all day dreaming about doing something new then it could be time for a career change. Ultimately, many people get bored and frustrated in the same old job, which is why trying something new could be the solution to feeling happier.

However, don’t make the change just yet as it’s not always the best decision to make a career change. Many people think the grass is greener on the other side, only to find that it was all an illusion.

Consider these 4 things before making up your mind…

Understanding why you want to change

Firstly, you must take a long and hard look at your current situation and try to understand why you want to make a change. For example, you might have been constantly looked over for a promotion or have just found that you can’t get a bigger salary in your industry.

On the flip side, you might be looking at another industry where the chances for promotions seem abundant and the earning potential is unlimited.

Be realistic about your age

While you shouldn’t allow your age to be a factor in whether or not you change careers and seek out a happier life, you must be realistic about what is possible.

As an example, if you’re 55 and suddenly decide that you want to pursue your dream of being an astronaut, then there is a very high chance you won’t be able to realize this goal. At this age there are many things you can do though, so don’t think that changing careers is a waste of time.

What interests you about a new career?

Take the time to write down what specific things interest you about a potential new career. Sure, more money and chance for promotions is good, but there has to be other things that get you motivated enough to stick with it over the long term once you make the change.

Perhaps you’ve always wanted to work with animals, or want a job that allows you to work outdoors in the fresh air rather than indoors at a desk all day? Make a list to increase your desire for a career change.

Are you prepared to train?

Many careers will require you to take part in online training as well as getting on the job experience.

This is why you often have to put in extra hours to become fully qualified, which means working in the evening and at weekends. Going down this route is not easy, and is why you must think everything over before coming to a decision

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3 Crucial Tips When Selling Gold

goldWhen you’re strapped for cash or just need a bit of extra income this month, then selling gold is always an excellent option. Not only are gold prices near at all-time high, but there are many gold buying companies out there willing to buy up as much gold as you are willing to sell.

However, it’s important that you don’t rush into the process of getting cash 4 gold either online or offline, as there are some crucial tips you should pay attention to first.

Compare gold buying companies

One of the luxuries of selling gold in the current market is the fact there are so many gold buying companies out there. This puts you firmly in control, which means you must use this to your advantage by comparing as many different companies as possible.

Check for previous customer reviews, make sure they are offering the highest price for your gold, and speak to their support team before moving ahead with the transaction.

Selling gold online

Don’t be scared to sell gold online…it’s actually really common these days, and there is virtually zero chance you will get ripped off as long as you choose a legitimate gold buying company.

Basically, once you have agreed to the sale, the company will pay for you to send the gold via registered post or they might even send a courier if you have a lot of gold. Nothing could be easier, and it means you don’t even have to leave the comfort of your own home to get cash for gold.

Make sure you really want to sell

You might be in a tight spot right now and selling your gold seems like the only way out? Actually, you might have more options than you realize, which means it’s possible you don’t have to sell that gold jewelery that has been in your family for years.

As an example, if you are in debt and desperately need to make this month’s payments, instead of selling gold to raise the cash why not try speaking with the loan company first? They might be able to arrange a different payment plan to lighten the load and relieve your financial pressure, and ultimately, give you much needed breathing space so you don’t have to sell your valuable gold.


Selling gold is a great way to get quick cash and improve your financial situation. Just remember that you should explore other options to raise money first, and never feel rushed into making a deal with a gold buying company.

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6 Time Management Tips For Busy Hotel Manager’s

time managementRunning a hotel is both hectic and stressful, especially when you are fully booked and the problems come thick and fast. Sometimes it can feel like there just isn’t enough time to do everything, which leaves you feeling frustrated.

Want to know the secret to getting more done in less time? Time management! Below are 6 tips to help you get started.

Check email less

One of the biggest ways to waste time is to check email every 10 minutes. Do you really need to do this? Instead, only check it maybe once in the morning and once in the afternoon, and then set a time limit of how long you are going to spend replying to emails before you move on to something else.

Use hotel software

If your hotel doesn’t yet have Hotel Software then you are missing out big time. The reason? Because this type of software has the power to automate a lot of those tasks you waste time on every day, which means you could potentially free up hours of time. Don’t you think this would make you more productive? It sure will.

Hire a virtual assistant

Do you find yourself doing tasks such as posting on social media and uploading content to the hotel website? If so, then you might want to consider hiring a virtual assistant to do these kind of tasks for you. Check out sites such as Elance or Odesk to find freelancers.

Have a to do list

Have you considered that you might be a busy hotel manager simply because you have no real structure to your day? This is why having a to do list is essential. You can list the most important tasks right at the top of your list and focus on them first thing in the morning. Do this everyday and you will become a lot more productive in your work.

Cut down on meetings

One of the biggest time wasting activities in any kind of business is meetings, and if you’re the type of manager that likes to call meetings daily, and then spend an hour going over trivial stuff then you might want to reconsider your stance.

Ultimately, why take 1 hour for something that can be said in 5 minutes? Keep meetings short and to-the-point, and don’t have meetings just for the sake of having meetings.


When you are feeling rushed and hurried, a nice little tip is to take a step back from the hustle and bustle and simply relax for for 5 minutes. This has the effect of clearing your mind and allowing you to refocus on what’s important, so you can get back into your job and be more productive for the next few hours.

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4 Renewable Energy Sources For The Future

wind farmFossil fuels such as coal and oil supply us with the vast majority of our energy. Unfortunately, this is not going to last forever, and at some point in the future we will need to switch over to renewable energy sources if we want to keep on enjoying things such as electricity.

There are many energy companies who are currently exploring the possibilities of using renewable sources and have made a commitment to gradually increase the amount they use with each passing year.

Just take a look at and you’ll clearly see many of the top energy suppliers are going green and taking these kind of issues very seriously.

So what are some of the renewable energy sources currently being used that will become huge in the future? Here are 4 of them…

Solar energy

By far the biggest source of renewable energy is solar power, and by the year 2030 it is estimated that 57% of energy companies in North America will use this as their primary way of generating energy to supply homes with services such as heating, lighting, and cooling.

Not only that, but homeowners can also do their part in the solar energy revolution, by installing solar panels on their roof and generating energy for their home naturally.

Wind energy

As we speak, thousands of wind turbines are being built in countries such as Canada, USA, Mexico, Brazil, China, and UK.

These powerful machines perform the simple task of turning natural wind into energy, and forward thinking energy companies are harnessing this power to supply their customers with electricity. Expect to see millions of wind turbines appearing over the next 25 years.

Water energy

Another renewable energy source that will be huge in the future is water energy, also known as hydropower.

In a nutshell, the flowing water in a lake, river, or ocean, can be fed into a turbine or generator and then used to supply homes with electricity. Expect to see hydropower talked about on the TV and in Newspapers a lot over the coming years.

Geothermal energy

One renewal energy source that you might not have heard about is geothermal energy. So what is it? Basically, it taps into the heat that is generated naturally inside the earth and then uses things such as steam and hot water to produce electricity and other sources of power that are essential for residential areas and business use.

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3 Ways to Become Wealthy WITHOUT Huge Risk

wealthy placeThe gap between rich and poor is now wider than ever before. As the old saying goes “the rich get richer and the poor get poorer,” and in this current economic climate this is something that rings true with millions of people.

If you are somebody that is sick of being poor and you want to change your life by becoming wealthy, then this might just be the most important article you ever read. Let’s get right to it…

Change your mindset

The first step to becoming wealthy is to change your mindset about money. For example, if you want to become a multi-millionaire but deep down you believe that rich people are evil, then you will always end up sabotaging yourself when trying to reach financial goals.

Try reading books such as Think and Grow Rich to change your mindset.

Be sensible with money

While watching TV programs about the super rich and their big yachts might be appealing, when you are just starting out on the road to wealth it will pay you in the long term to be sensible with money.

This means shopping around to get things such as cheap auto insurance and discounts on your grocery shopping. Once you start to make money then you can afford more luxuries, but in the beginning it’s always a good idea to develop good habits so you are able to build a solid foundation of wealth.

If you try and live the lifestyle with fast cars and expensive jewelry before you have got the basics right then you are setting yourself up for a huge fall.

Go where the money is flowing

If you have dreams of inventing a product or creating a new industry then you might be poor for a long time before you start seeing that pot of gold.

Most people have the false belief that they need to start a business that is unique or never been done before. Of course, this often leads them to start ventures that turn out to be complete duds, and ultimately, puts them OUT of business.

The best advice you can get on starting a business is to go where the money is already flowing. You don’t have to invent anything or come up with a unique selling point…just see what is already selling like hotcakes and then create your own version of that.

This is the way that thousands of people have become wealthy without huge risk. Are you ready to join them?

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