Tips To Get Approved For a Payday Loan

Payday loans are quite different from all other type of loans in financial market. The main difference is their approval process. The lender will not check your credit score or request your credit report from all 3 major credit reporting bureaus. They do not look into your outgoing and incoming bank payments or inspect your credit status. Although these loan companies definitely have lower requirements for approval that does not necessarily mean that they do not perform any other checks on their clients.

When trying to apply for a payday loan, lender will most likely check your work status, checking account standing and a bunch of other stuff. Growing consumer interests and demands for payday loans has created an opportunity for scammers to take advantage of. Every year hundreds of loan companies that scammed their clients have been exposed by local and even federal authorities. Loan companies that claim they do not perform any checks on their clients should be avoided at all costs. Make sure you do not pay company any startup fees before receiving your loan, as this is the most popular method among scam companies.

Before applying for a payday loan, you must fully understand what these loans are and what they should be used for. You should strictly use this money if an emergency financial situation arises and you need to tide yourself over until you receive a paycheck. Because of short repayment terms, you will be required to have a legit source of income and a valid SSN. A person is required to be over 18 years old in order to receive a short term loan. Make sure your checking account is in a good standing and do not try to sign up for multiple loans, even at different locations. Multiple loan requests are easily tracked and can result in a full denial for all your applications.

In order to get approved, you will need to have a legit job, where you have worked for at least 3 months. There is also a minimum salary requirement – usually it is around $800 per month after all taxes are paid. Your checking account must not have any overdrafts or hold a negative balance. When dealing with local payday loans, do not forget to take your banking information with you, especially your routing number, because it will be required to deposit money to you.

When you are applying for a loan, make sure all the information you fill in is correct. Being truthful with your lender is probably the most important factor to get approved for a loan. Even if your current situation has put you in a position when you cannot fully meet approval requirements, always tell your lender everything as it is. Do not worry about your private information, as payday loans are known for their confidentiality when it comes to their client’s information. Apply these basic tips and you will be surprised about how easy it is to get approved for a payday loan!

Housing Options For Travel Nursing Jobs – What You Need to Know

There’s no question about it: as a career choice, travel nursing is hot. The field is growing and there’s a growing need for new travel nurses. There are many advantages to nursing: it’s a great way to meet new people, help others and of course, it’s a great way to see the country.

However, the excessive amount of trekking involved in most travel nursing jobs raises some important issues about housing and lodging. There are several aspects to the housing issue that anyone considering a career as a travel nurse should consider. Where do people with these jobs stay? Do they rent? Do they stay in sublet housing? Will the hospital or facility that fills travel job positions supply housing? Housing questions are important to anyone who wants to take on these nursing jobs.

Many companies that act as a source for travel nursing jobs will be able to provide housing. Although that may make things easy for those with travel nursing jobs, those companies will also include the option for the health professional to choose his or her own dwelling. Many companies that connect nurses to travel nursing jobs will also offer a stipend, or an allowance, which can be used towards paying for housing. The amount of these stipends will usually depend on certain IRS guidelines, which are used to determine the cost of living in a particular area. Nursing jobs in a city where rent is higher, like Miami, will have a higher stipend than jobs in Bismarck, North Dakota. Oftentimes, those with shorter-term travel nursing jobs may prefer a stipend if their assignment is less than 13 weeks since the shortest lease available for most conventional housing rental or subletting options is three months.

The other most common option, as mentioned above, is to stay in housing provided by a company that provides recruiting for travel nursing jobs. This significantly reduces the hassle associated with finding living quarters. In many larger cities, the travel nursing recruiting firm may have several options to choose. In sparsely-populated rural areas, there may be only one or two living area locations. Most of the time, the living space provided by the companies offering travel nursing jobs are in apartment complexes; however, those taking travel nursing jobs may find themselves in single family homes, mobile homes, extended stay facilities, or even in living quarters provided by the hospital where they are assigned.

One great perk with travel nursing jobs is the ability for nurses to select their own destinations to work. Moreover, many persons who are assigned a living space that is not to their liking, can render an assignment most unenjoyable. Therefore, it is important for those accepting travel nursing jobs to talk with the company connecting them to the job about the housing situation. When you let the staffing agency know the types of places you would prefer to stay, you’ll make the assignment process easier for both parties.

When choosing places to stay during travel nursing jobs assignments, also be sure to consider things like distance. Most like jobs that are close to the hospital or facility where they are assigned. However, if the assignment is in an unsafe neighborhood or a noisy neighborhood, then securing a space that is a little farther away might be worth the peace of mind it will offer. Remember, many travel nursing jobs are for nighttime shifts, and those who have worked several nurse jobs know that getting a full night’s (or day’s) rest is crucial.

Finding a place to stay may not be the end of the process for finding living quarters during travel assignments. Many apartments or houses may not be furnished. Some staffing companies will be able to connect you to a trusted furniture rental company. Many can also provide professional interior decorators and buyers who can ensure your furniture is attractive and of decent quality. These people can be incredibly helpful, as many people on travel nursing jobs assignments won’t want to tolerate mismatched furniture, but they will probably be too preoccupied with getting acclimated to the new assignment to go furniture shopping too.

Along with furniture, those taking on travel nursing assignments won’t want to forget about housewares either. Although not all temporary living spaces will come with the bowls, cups and silverware needed to make living and cooking at home possible, your living quarters should have all the necessities that will allow you to live comfortably. Ask the staffing agency about travel health jobs and locations that have fully furnished living quarters; they should make it easy for you. Most companies that offer travel nursing jobs will be able to have everything in order by the time you arrive. However, sometimes there are bumps in the process. Arriving to an unfurnished apartment can be a very unpleasant surprise; you deserve to be informed by the company if there are any changes.

The task of locating good living conditions isn’t necessarily a simple one, but experienced travel nurses who have taken travel health assignments in a range of locations with the most reputable companies will tell you more often than not, their living arrangements are handled without a hitch. After all, as a person on a travel nurse job assignment, you will be working hard to help others-you deserve to stay in housing that is as satisfying as possible.

Benefits Of A Travel Nurse

The nursing career has been one of the most in demand jobs these days. There are so many people taking up nursing because of the job security that it provides to the people. There is only one disadvantage with this, and that is you will have a hard time choosing the field that you want.

One of the best nursing careers that people are considering is becoming travel nurse. This career is the most interesting and fun nursing career there is. Do not worry, because you will still be able to fulfil your dream of becoming a nurse and helping people. Anyone can be a travel nurse, as long as she is willing to work in a far place, then this is a perfect choice for you.

There are really some places where the supply of nurses is very scarce. Due to the high demand for nursing, there are really some places which find it hard to cater to this demand. As a result, these hospitals hire nurses from other places where the supply if nurses is high.

What is so unique about this field is that you will get to travel to different places. This is why it is perfect for nurses who would love to travel to far places. Part of travelling includes learning about different cultures. This is one thing that you can get when you work as a travel nurse. You will be able to work with doctors, nurses and patients who have grown up with a different culture. The sights in foreign places are a must-see when you work as a travel nurse. This is a privilege which you can enjoy once you are working abroad.

The work of a nurse can range from a temporary to a permanent job. They can be assigned just to fill in temporarily for the vacancies in the hospital for at least 8 weeks and can go on for months. There are times when the nurses are hired permanently because they have shown a good performance in their work. This decision depends on you and your employer if you are willing to work there permanently.

There are agencies which recruit nurses and send them to different locations. It is always recommended for aspiring travelling nurses to apply to these agencies for a number of reasons. They have the contacts of the top hospitals where you will be able to work in. You will have more chances of getting into these hospitals when you apply for an agency rather than finding the job on your own. They will also be the one to fix your papers when you are ready to work for the hospitals. You passports, licenses and documents will be ready in no time.

Agencies offer compensation for nurses who wish to work abroad. They will be in charge of the expenses for the lodging, accommodations, transport and even travel facilities. You do not need to search for a place to stay because these agencies already give you a house when you get there. You do not have to spend money on these things which can really be advantageous for you. You even receive allowances besides from your salary. Various insurances are also included in your compensation packages. There are health as well as retirement insurances which you can get from these agencies.

It is always good to try to apply to nursing agencies because they ensure that you are well taken care of. They do not only provide you with work, but they also make sure that you will still be taken care of a even after you retire.

One important thing about travel nurses is the salary that they receive. Their pay on the average is about $20 to $40 a day. Besides from this, they are often paid during day-off from work. See why travel nursing has been one of the most chosen nursing careers there is?

If you are thinking of choosing this career, you must be ready to live alone. Most travel nurses often get homesick so you need to be ready to face this. There are certain ways in which you can deal with this, so make sure that you are prepared to deal with this. You can enjoy the place and make new friends. You can explore the sights and places and enjoy travelling alone. You can make friends and do this together. If you are with someone from there, it will be easier for you to travel and deal with the people. Plus you will not feel alone in a foreign place.

A tip that might be helpful if you will work as a travel nurse is you need to do your research. Since you will face a whole new set of people, culture and places, it can be beneficial if you gather a little information about them. This will be a lot easier for you when you get there. You can learn a little about their language so that you can speak a little and understand some of the words they use.

One more tip is that you should go the place at least a week before the date when you will start to work. This will allow you to adjust to the environment there. If the time zones are different, you may need a few days to adjust your sleeping time. Also, you can familiarize with the route that you will take going to work or to the marketplace. These are the things which will help you when you work there. This will cause you to start your first day at work smoothly and will prevent you from having any delays.

Working as a travel nurse is one of the recommended career paths which you should take. This combines fun with work. This is one of the few careers that will be able to allow you to travel and at the same time earn money. So if you are unsure which career path you will take, work as a travel nurse and you will not regret your decision.

Things I Have Learnt About Commercial Real Estate Prospecting

In commercial real estate today, the prospecting model that you develop will make or break your career. Far too many agents overlook the requirement to develop a prospecting model as part of their business day and business week.

It takes about three months to establish and grow your contact base from consistent prospecting. It takes about the same time to lose momentum in both listings and commissions.

Most people are entering the commercial real estate industry understand the need to prospect and cold call. Unfortunately most of those people will reluctantly undertake the process and avoid it at every opportunity. Over time that will have significant impact on their income and market share.

Here are some ideas to help you with your commercial real estate prospecting model. You can use a variety of these strategies and add some of your own based on your local area.

  1. Understand where your market is located. Determine exactly where your business will be coming from. That will involve both a geographical area, and or property type. You can then focus your efforts into the region and talk to the right people.
  2. Know who you should talk to. When it comes to talking to business proprietors and property investors, the right people with the correct levels of decision or control should really be the focus of your attention. The business community will offer great opportunity to you providing you prospect into it every day. You will find so many leads relating to tenancies, rentals, sales, and purchases. Asking the right questions is the key to the process.
  3. Have something worthwhile to say. The people that we talk to have limited time and will initially give us little of their attention. For this reason, the first initial point of contact has to be relevant and to the point. This says that you should have something worthwhile to say that is of interest to the prospect. You may specialize in sales, leasing, or property management. Your opening conversation should center on one or more of those issues and how it may be of some use to the prospect.
  4. Create supporting systems as part of your contact call process. It is a fact that we should be talking to many people every day. The only way you can effectively do this is to have some form of database and follow-up system. It is a personal process that cannot be delegated to administrative staff. In only that way will you achieve ownership and accuracy of the data.
  5. Take action every day. Systemized action will get you further into your market so that you can assess results when it comes to meetings, listings, and commissions. The prospecting process should feature as one of the first items in your diary every day.
  6. Return to the same people as part of a contact plan. Over a 90 day period you should be returning to the right people that have some relevance to your property market and or market share. It is quite likely that it will take three or four telephone calls to the right person before you will get a meeting. Consistency is the key to the process.
  7. Have something relevant to talk about and some information that the prospect requires. A successful contact process will normally involve relevant information that is up to date relating to the local property market. You can create a newsletter as part of that process.

The prospecting process is a very specific business process. When you treat it with respect, your commercial real estate market can be much stronger with both listings and commissions.

Medical And Dental Treatment And Coverage In Oaxaca, Mexico

When I first gave up the practice of law in Toronto in favor of early retirement in Oaxaca, I assumed that the years I would add to my life by leading a much more stress-free existence in Mexico, would be lost by the inferior health care system to which I would be exposed, subjected and restricted. This, then, is my assessment of the extent to which my presuppositions have been accurate, together with information and advice for both vacationers to and would-be ex-patriot residents of Oaxaca.

Aside from the small, private hospitals, often referred to as clínicas, there are four publicly funded and insurance – based hospitals in the city, as well as a hospital just outside of the city offering specialized treatment for a number of serious ailments. There is the Red Cross facility available to all, often used for emergency treatment only. The civic hospital provides free services or treatment at a modest cost based on a sliding scale respecting means. ISSSTE is a federally funded facility restricted to government employees who are members of a union. Finally, there is IMSS, a federal insurance program available to ex-pat residents and Mexican citizens alike, with an extensive network of clinic doctors and a large hospital. It’s funding is provided in large part by business owners. Aside from these hospitals, there are several, small, easily accessed clinics scattered throughout suburban and rural neighborhoods.

For the vacationer, and the ex-pat with a VISA permitting residency in the country, the most common means by which to obtain emergency treatment is through Red Cross, IMSS (which accepts patients without coverage on a pay-per-service basis) or a private hospital. However, the last of these three is the only one in which you can be reasonably reassured of being attended in a timely fashion by extremely competent and efficient personnel.


If you do not have out-of-country healthcare coverage, by all means go out and buy it before leaving for your trip. However, it’s advisable to first inquire of your credit card company, to ascertain if in fact you already have at least some coverage simply by virtue of, for example, having a gold or platinum card. You can then make a more informed decision concerned whether or not to purchase coverage, and if so at what level. On the other hand, a broken leg, gastrointestinal problem or other non-life threatening ailment can be attended by a private doctor or clinic without breaking the bank. Of course for an outlay of more than $100, it’s nice to be reimbursed.

If you intend to make a claim to your private carrier, credit card company or government funded health care plan, ensure that you not only keep all receipts, but request a written diagnosis and treatment plan, and that the prescriptions you are given indicate for what purpose each medicine is being prescribed (i.e. antibiotic, analgesic, etc.). Many doctors provide all required information simply as a matter of course. Accepted practice, at least except for when narcotic medications are being prescribed, is for the pharmacy to return prescription forms to you. Often medical plans require translations of each document that is presented to them as a prerequisite for processing and reimbursement. When in doubt, submit all documentation with your claim, making sure to determine if originals are required, and keep copies. Frequently, as is the case with Ontario, it’s a two step process. Treatment receipts and diagnosis is submitted to the provincial plan. Once you’re notified of the portion not covered, prescription receipts together with a request for reimbursement for the amount not covered by the province, is submitted to one’s private plan. In theory, between the two plans, 100% reimbursement is achieved.

You can ask the manager of your hotel or bed and breakfast to do you a favor by translating each of your supporting documents, to save you the trouble upon your return home. Make a note of the then prevailing rate of exchange, and submit a calculation to your plan with your documentation, to more easily facilitate payment. When a member of a clerical staff is processing your claim, he’ll be less inclined to put yours aside for another day or week if it already contains all the necessary and relevant data, organized in a readable format.

Concerning where to go in the event of illness or emergency, your accommodations host should be able to make recommendations for English speaking physicians with private practices, and for private clinics. Regarding competency of the former, while there is a medical school in Oaxaca, many doctors travel out-of-state for their post-graduate training such as to universities in Mexico City or the US, and regularly attend conferences and upgrading courses. Some travel abroad within the context of their specialization training. Indeed the Oaxacan populace appears to take notice of and prefer those physicians who are able to display foreign diplomas.

Our personal experience with emergency treatment over the past 10 years has been nothing but positive for ourselves, our family and our guests, at hospitals Carmen and Molina, both downtown … in terms of competence, speed with which one is attended, and the presence of English speaking ER doctors. On the other hand, we cannot recommend the emergency departments at the civic hospital or IMSS because of delays in receiving treatment, and at minimum in the case of IMSS unavailability of competent medical personnel 24 hours a day to attend to even a commonplace emergency (i.e. suturing). Having said this, many excellent surgeons with private practices perform surgery at the non-private hospitals where there tends to be the more state-of-the-art and sophisticated equipment.

The normal range in price for a consultation with a family doctor, specialist or dentist, is $20 – $50 (all figures are stated in US dollars and are approximate for 2008 unless stated otherwise).


Over the past several years Oaxaca has become a popular destination for Americans and Canadians seeking both plastic surgery and extensive dental work. Word has spread of the competence and quality of work of both nip-and-tuck and dental surgeons, and of course of their extremely reasonable charges relative to those paid to hometown practitioners. Many foreigners, as well as Mexicans from Mexico City and other regions of the country come to Oaxaca for face lifts, breast reductions and augmentations, liposuction and other appearance enhancing procedures. A friend who attended for plastic surgery in Oaxaca by a well-known plastic surgeon a couple of years ago, recently commented that she had read an article in a Canadian magazine indicating the cost for the same procedure which she had performed for $500, was $3500 – $5000 at home. In effect she had a free trip to Oaxaca, and returned home with extra money in her pocket.

Our personal experience with dental treatment has been extremely positive. Cost tends to be about a third to a half of American and Canadian prices, for example for crowns and bridges, implants, root canals, gum and bone work, etc. While the use of nitrous oxide (laughing gas) has not yet arrived in most Mexican cities, a dentist with a gentle touch can more than make up for that lack of temporary high while in the chair.


Get whatever coverage is made available to you both in your homeland and in Mexico, subject of course to affordability.

To my thinking, with IMSS coverage costing under $400 annually for a couple, why not go for it regardless of what other coverage you already have. Then supplement IMSS with international coverage for catastrophic injuries unless you have other similar insurance from another source. Our Oaxacan friends tend to disagree, but theirs is a different mindset where insurance in general has historically not been stressed or valued, be it home, car or health.

Some American acquaintances
swear by IMSS since it provides regular care including preventive procedures, all dispensed by government employed physicians including specialists, together with lab tests, medication and hospitalization. There are restrictions the first year of enrolment, and there are caveats. The level of cleanliness in the clinic environment tends to be below the standard to which most of us have become accustomed growing up in the US and Canada. Many physicians have not received the quality of medical education of their private counterparts. The medications provided through the clinic pharmacy are often not the best available in the marketplace for treatment of a particular ailment, because of cost. Often the wait to see your designated doctor or for your lab tests can be long, requiring a half day commitment for each step in the process: visiting a general physician, going for one set of tests, then for another, and finally seeing a specialist.

So why bother with IMSS at all, with all these downsides? It’s a failsafe, another form of assurance that you’ll be cared for in the event of a lengthy and serious illness. As suggested earlier, often it’s the largest hospitals such as IMSS which have the best equipment, and surgeons with private practices who perform some of the surgeries. And there is no additional cost for hospitalization once you have full IMSS coverage. While attending a private clinic is more akin to your experiences before moving to Mexico, if you must remain in hospital for a lengthy period of time, the cost of doing so in a clinic could be prohibitive…just like back home.

Visiting private physicians, and even biting the bullet and getting your tests done at privately owned laboratories, reasonably assures you of a familiar quality of care. Coupled with IMSS coverage, you can now be confident that you’re covered in almost all respects. In the event of a protracted hospital stay you can afford to be there for as long as necessary. The best locally available equipment will be used in your diagnosis and treatment, and you have a reasonable likelihood that attending surgeons are those who split their time between private practice and clinic work, and performing procedures in one or more large hospitals.

We maintain IMSS coverage, but rarely use it, preferring to tap our Oaxacan social networks for referrals to specialists to the extent they are required. And in any event, after having been resident in Oaxaca for a few years, those of us who are in our fifties or older have already been introduced to a broad range of specialists. As strange as it still is to be a Canadian and subscribe to the pay-as-you-play philosophy of medical care, it serves our purposes, with the IMSS safety net just in case.

Under certain circumstances you may not want to rely on even the best Oaxaca has to offer. Indeed the stream of Oaxacans traveling to Mexico City flows briskly and wide. The middle and upper classes with contacts in the nation’s capital, there quickly seek out the best in terms of physicians and state-of-the-art equipment, for diagnosis and for treatment of life-threatening diseases.

Even doctors working in Oaxaca at the IMSS and ISSSTE hospitals can make arrangements for patients to receive treatment not available here, to be attended in Mexico City or other larger centers. However, the process can be slow. We know of one case, that of a two-month-old baby with heart problems, who was finally sent to Puebla for surgery at ISSSTE, only to die before the procedure could be performed.

The solution, unless you have quality foreign coverage perhaps as part of your retirement pension plan, is to buy insurance which will pay for treatment in Mexico City, or better yet throughout the world as long as you can make your way to one of the participating top-of-the-line hospitals. In my case, I have a low annual premium, with high deductible which is waived in the event of accident. Again, it’s a failsafe mechanism in the event of, for example, a serious car accident, or cancer, stroke, heart attack, or other catastrophic ailment which would otherwise not be affordable. Oaxaca has less than the best of diagnostic equipment and treatment facilities. My plan provides for a $10,000 deductible, $2,000 annual premium, with member private hospitals in Oaxaca, Mexico City and elsewhere in the republic, and of course abroad including the US, with the Mayo Clinic in Rochester being a participant.

In summary, my medical coverage and plan for treatment is the following. We have our regular family physician, who, along with our Oaxacan friends, refers us to specialists in which we have the utmost confidence, and to whom we pay per visit. The same holds true for dental treatment. We have IMSS coverage which we reluctantly (because we don’t use it) renew on an annual basis, but believe it’s worth the price in the event we need extended hospitalization, or to have surgical procedures performed not available in private clinics. And I have my catastrophic coverage which hopefully I’ll never need to access.

Medical care and coverage can be inexpensive, and just as easily it can be costly. It’s a matter of the individual or family having a philosophy, or set of priorities, before electing to move to Oaxaca. You have to determine how you want to lead your life in terms of balancing having less disposable income as a result of medical and insurance costs, with having greater peace of mind in knowing that whatever is thrown your way will be looked after as best possible given your new life in a foreign land. If you cannot achieve a level of comfort in the resolution of these issues and decisions, then perhaps the move is not for you.

Discover Why Cheap Car Rentals Are the Best Option

Spending a great weekend or the year end with your family on a holiday trip is a great idea. Moreover, in order to ensure your non-stop holiday, you always need a car hire service. And what could be greater than to hire the cheap DIY car hire that would give you comfort as well as a hassle-free service. Instead of taking a tour bus or public transport, a car hire turns out to be a great help.

With their easy and simple booking process, you can instantly get your car booked in no time. And the best part is their amicable culture that makes your experience with such services memorable. Whenever we want to hire a car, we always look for the best and economical package that suits our budget and does not burn a hole in the pocket.

Most amazingly, many such car hire services provide numerous options with their efficient services and facilities. Their friendly staff also helps you to get the best value in car hire. Suiting every need, their variety of cars and vehicles gives you ample options and leeway to get what you want. Ranging from budget cars to luxury cars, they present their entire options to give you the best they can.

Be it any climate or place, they help you to get there as comfortably as you want. For harsh seasons, they have the facility of suitable cars to accommodate your luggage and your entire family in a single vehicle. They provide child safety features for your babies. They make your trip pleasant in hot regions with their air conditioned cars. And if you are in the mood to have fun, you can also go for open-top cars.

They also provide you with their skillful and professional drivers. But if you feel no need of driver and want to drive on your own, they also provide such facility for your total convenience. You can drive to any part of Australia by fixing your deal with the most desirable and best car hire service. You can visit their site, browse their cars and prices, look for the conditions with safety and take your quote.

More optimally, you can trace your destination and decide the car and price according to the kilometers. The clear cut information and services allows you to have tension free trip and prevent any such confusion that could incur more payment.

Hence, whether you decide to move to a place for an hour, a day or a week, you can rely on the efficient service of this remarkable brand. Give your family the uninterrupted journey of joy with extraordinary services from the most popular name in the Australia.

How to Stretch Your Travel Budget With a Discount Car Rental

A self-drive holiday may sound hopelessly exorbitant if you’re on a tight budget. People tend to be discouraged by the idea of renting a car for a long period of time, imagining that it will eat up their entire travel fund. However, it’s actually easier to obtain a discount car rental than some people would imagine, especially in these financially-conservative times.

Car rentals are a business, after all, so making a smaller profit by renting out unpopular cars is better than making no profit at all. Most of the time, discounts can be found online. As such, the internet is a good place to start when looking for affordable rentals and a car rental discount code or two, but print media shouldn’t be discounted either. Prices may vary between different agencies, so it’s prudent to compare the finer details of each deal before settling on a particular one.

Timing can be everything when it comes to obtaining a discount car rental. As with some airlines in Asia, car rental agencies offer early-bird discounts if you book a car much earlier in advance of the actual date of your pick-up. Additionally, cancellation of the booking if you find an even better deal elsewhere will not incur extra costs either as long as it’s done early enough. Conversely, the shoulder period of a travel season, that is, just before or after peak travelling time, often sees car rental companies competing to outdo each other in their attempts to rent out any remaining cars. It’s possible to obtain a good rental deal at this time, but the choice and quality might be limited.

While car rental discount codes are extremely useful is helping you obtain a more affordable rental, although this might be subject to questionable quality. You might also want to consider the size of the car you want, especially if your group is a small one. Smaller cars tend to cost less to rent, and you’ll probably pay less for fuel too. As an added bonus, you’ll definitely have no trouble parking a small car.

Bad Credit Fast Payday Loan – Small Duration Cash Loans For Bad Credit Holders

We are frequently exposed to situation when we need urgent cash for medical purposes, paying bills or some other unplanned expenditure. It may not support the pocket at present but if you are lent money you are sure that you can pay off the debt later. However, people having bad credit consider them to be unlucky and think there is nothing for them in loan market. However, present market which is highly competitive provides them with option of bad credit fast payday loan. As the very name suggests these loans are approved and deposited within no time in your account and to add to it, bad credit fast payday loan can be obtained even if you have poor credit rating.

Bad credit fast payday loan: procedure

Process of applying for bad credit fast payday loan is simple. You can fill up the online form giving details regarding your income, address, credit score and other details. Lenders will process your application and once approved money is deposited into your checking account within 24 hours. To be eligible for bad credit fast payday loan you must be 18 years or above, having a full time job and an income not below £1000, you need to be a citizen of UK residing at your present address for at least a year. Also you will be required to have an active checking account.

Bad credit fast payday loan: amount and interest

Amount that you can obtain will depend on your income and your ability to pay back. You can be lent an amount up to £15000. Your credit score is not a denial factor but will certainly be a deciding factor on what amount you can be lent. Once, you pay back in time you will be improving your credit score and will be eligible for amount when you apply for bad credit fast payday loan next time. Lenders charge a fixed fee instead of interest. You should make sure that you are not overcharged on the name of payday loan.

Bad credit fast payday loan is a short term loan which needs to be paid back within a week or two. You can defer payment day by paying some fine and interest for that duration. In general repayment day is coincided with your payday.

Bad credit fast payday loan gives you the money when you need them most and above all you get money even if you have poor credit score.

Age Appropriate and Attractive Ideas For Aging Gracefully

Maturity is a badge of honor to be respected with good taste. There simply comes a time when all the extra bling and fabulousness of fashion, hair and makeup is best toned down. When you were a younger Alluring, Innovative or Dramatic woman, those items of “look at me, I’m au currant” stood for something. Status, hipness, a woman in the moment who’s up on the trend. But wisdom carries with it a confidence and sophistication that allows you to do less and achieve more. A maturing face and figure carries a patina of wisdom. A statement in and of itself, it doesn’t require bright lips, over the top earrings or a crazy hip belt to bring it forward. It stands there, gently making its own beautiful statement. Less is simply more as we age. To accentuate your second act best:

o    Avoid drawing attention to your mouth with bright or dark lips.
o    Avoid drawing attention to aging eyelids with frosted shadow.
o    Avoid drawing attention to aging hands with bright nail polish and/or a multitude of attention-grabbing rings.
o    Draw the eye to your face with neckline interest and earrings.
o    When in doubt leave it out.

The Importance of Being Current 

Keeping current is undoubtedly a constant and not inexpensive challenge. With all the technology with which we are bombarded, however, we still have the old standby; the monthly magazine. Magazine subscriptions are one of the most effective ways of getting information you can absorb on your downtime. The whole experience of sitting down with and perusing a magazine that inspires is a ritual that endures. Magazines are the great equalizer. No matter where you live in the country you have the same access to fashion, fitness and beauty that the most upscale, in-the-know New York socialite has, because she gets her “W” magazine the same time you do. When “O” comes out, you’re right there with all of Oprah’s associates on the hottest, latest and most suitable fashion, food, fun and inspiration you need that month. You just go to your mailbox, Oprah is waiting for you, and it’s your turn to dream. 

What Were We Thinking?

We’ve all done it. Looked back at those embarrassing fashion photos and wondered, “What was I thinking?” I look back at my pinstriped jeans, permed hair and parachute pants and think “Hmmmm.” The more extreme trend, the more risk of later embarrassment. We may forgive the young. But it’s not so easy to forgive a second actor in a leather mini.

A woman in Act Two need never wear:

1.     A micro mini
2.     Combat boots with formal wear
3.     White hose
4.     Frosted eye shadow
5.     Chunky platforms
6.     Dark brown lipstick
7.     Butterfly barrettes
8.     Extreme low-rise jeans
9.     Visible underwear
10.   A spiral perm

What’s Age Appropriate Now?

In our Second Act it becomes difficult to find the balance between matronly and modern. Looking current and youthful should not translate into “mutton dressed as lamb.” I met a woman recently whose long, blonde, permed hair was pulled up on one side and suspended with a comb. For height she created gravity defying bangs with a curling iron and “Spritz Forte.” She wore a fitted navy knit tank, tight tapered pale denim jeans and a crocheted sparkly baby blue shawl tied around her hips. She was 48. 

I liked her and enjoyed hearing her tales of woe in raising teenagers. But as I listened I was continually distracted by her image. It just wasn’t working in her favor. The reason it didn’t work was because it was expressing only a part of this woman. I obviously knew who she had been, but as she talked, the more interesting experienced and attractive parts were hidden behind a façade of fear of aging. Yes, she was attractive and sexy but she was also a 48-year-old single mother of teenagers who had quite a bit of sun damage, an advancing derriere, tan lines across her back and thinning hair. The look did not make her look younger; it made her look vulnerable and insecure. Our image must reflect who we’ve become, not who we were. That is age appropriate. 

What To Consider When Buying a Practice

The Price

It depends on what you’re buying. If all of the practice income is from personal services performed by the selling physician, the answer is generally “not a lot.” The price typically consists of (1) the value of the fixed assets (e.g. equipment, furniture), and (2) maybe a little more in order to avoid the cost of starting up a new practice from scratch. In the event, however, the practice also generates income from services that are not personally provided by the selling doctor, the price is increased to account for this “passive revenue.” How much? Maybe the amount of one year’s profit from that ancillary service.


Practice purchase take one of two forms: (1) stock purchase, or (2) asset purchase. Buyers that buy the stock of a medical practice are rare because the buyers get all the liabilities associated with the stock of the selling practice. Most practice purchases are asset purchases, which makes it easier to say what you’re buying, what you’re not buying, which liabilities you want to assume (e.g. leases) and which ones you don’t want to assume. Sellers often prefer stock purchases because the seller gets better tax treatment on the purchase price (capital gains instead of ordinary income) than sellers who sell just their assets.


There are two ways to pay for a practice: (1) on a pre-tax basis, or (2) on a post-tax basis. Employed physicians who become owners of a medical practice employer are often familiar with pre tax purchases because they have a portion of their salaries or bonuses applied to the purchase price, instead of getting the income, paying tax on it, then writing the seller a check. Sellers usually favor getting paid with the buyer’s after tax dollars, but often compromise and agree to accept at least a portion of the purchase price on a pre-tax basis via some sort of compensation offset.

Now that you know the big issues, you need to know how it’s done. The process generally involves the following:

1. Letter of intent;
2. Legal documents; and
3. Negotiating the documents.

Letter of Intent

Before people jump into a complex transaction (and pay lawyers lots of money), they usually like to “rough out” the deal points in a non binding document a few pages long which describes the guts of the transaction. In a medical practice LOI, those points are usually:

1. What is being sold (assets or stock);
2. Whether the accounts receivable are included or not-usually not;
3. The purchase price;
4. How it’s paid;
5. Whether the seller will stay on in the practice and if so, how he/she will be paid for working for the practice;
6. The restrictive covenants (e.g. noncompete) that will apply to the seller.

The Legal Documents

In an asset sale, the parties can expect: an asset purchase agreement; a promissory note (if payments will be made over a period of time); a security agreement (if there is a promissory note); a noncompetition agreement; and an employment agreement for the seller (if the seller will stay on). In a stock purchase, you will have a stock purchase agreement instead of an asset purchase agreement, plus a few other more minor documents.

The guts of the key transaction document are (1) the reps and warranties, and (2) the indemnification provisions. Reps and warranties are basically promises made by the seller about the practice. A buyer will wants loads and loads of them. indemnifications are essentially obligations of a seller to pay a buyer for harm that comes to the buyer which relate to the practice before the buyer bought it.

Noncompetes are often essential terms of a practice purchase. A buyer doesn’t want the seller hanging around soliciting patients or practicing across the street. Generally, the term runs two to five years and the geographic scope depends on the specialty and the market where the practice is located.

Negotiating the Documents

Very simple: everything is negotiable. Everything. That said, there are certain things the are usually set in stone. For instance, the buyer is gonna pay something over some period of time. The noncompete will apply for a period of time over a certain geographic area. Though a buyer will want a millions reps and warranties, they will probably be negotiated down. The indemnification provision may contain a “basket” and a “cap” so that the first dollar of damage may not be passed to the seller and the total amount may be limited. Though physicians may consider a practice sale or purchase to be a minor thing, they can be shocked at the complexity and intricacy of such issue as Medicare liability and recoupment issues. Moreover, even once the documents are negotiated, preparing all the disclosures and attachments to the documents is extremely time-consuming, whether the practice costs $1 or $10 Million. All the “i”s have to be dotted and the details attended to.


Practice purchases are a fact of life and will likely increase as the healthcare marketplace evolves. Agreeing on the core issues is important and just starts the ball rolling. Be prepared to engage a lawyer and accountant that have lots of experience doing these sorts of transactions.