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Why does the APR appear high on payday loans?

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

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

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

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

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

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

No doubt, Payday loan is the best solution for getting emergency funds. But it can be so risky in some situation. If you have caught in payday trap you can seek help for your payday loan consolidation.

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TL Logistics Management Software – Giving You the Most For Your Money

Although owning a small to midsize company can allow you greater control over your business’s daily functions; if you own a small to midsize company that has shipping needs, chances are that you have little control over the logistical aspects of your shipping process. Because most small to midsize companies don’t have the payroll to hire logistics professionals or construct an internal freight council, they are left with two options for trucking service truckload transportation management: relying on warehouse management and/or purchasing personnel or hiring a third party logistics (3PL) firm. Because truckload (TL) shipping solutions are a critical pricing element in the freight shipping process, many companies prefer to delegate transportation logistics to logistics experts and hire a 3PL provider.

When a company hires a 3PL provider, it almost always realizes TL shipping solutions that are more cost effective than shipping solutions arrived at in the absence of expert logistics. However, outsourcing logistics is currently falling out of fashion, with the main reason being that small to midsize companies can become their own logistics provider by implementing TL logistics management software. Unlike 3PL firms, TL logistics management software is not priced as an expert logistics service, but as an online or internal software application (depending on a company’s preference) that can be customized to a company’s unique shipping needs. In addition to providing truckload management, logistics software can also yield integrated shipping solutions or be used to manage any form of transportation, including rail, air and sea.

To understand how TL logistics management software saves you money compared hiring a 3PL firm, it helps to understand how a 3PL firm works. When small to midsize companies outsource their truckload logistics to a 3PL provider, the typical truckload solution is less than truckload (LTL) shipping, where two or more shippers ship partial loads that create a full load and spilt the full load price. But 3PL providers don’t just go with the LTL carrier that makes the most sense for their clients in terms of LTL shipping concerns such as route length, warehouse fees, number of pick-ups and deliveries along the shipping route, etc. Instead, they begin by identifying LTL carriers that will offer the best freight discount, which allows 3PL firms to make money on the price differential between what they charge their customers and the discounted shipping price.

When companies use TL logistics management software, they not only reduce the price of their logistics solutions; they also realize a greater number of shipping options due to the removal of a 3PL firm’s business interest from the logistics function. As an example of how much money companies can save from using TL logistics management software instead of 3PL providers, research shows that companies can reduce their total shipping costs by 10 percent after one year of using logistics software.

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Steve Madden Blondee Boots – Fashionable Winter Wear

I had first noticed the women’s Steve Madden Blondee boots a few weeks ago while walking in the mall with some friends. They are a relatively new style for the Steve Madden collection and I think will prove to be one of the must haves for the winter of 2010. They are a great looking boot with a soojin style sex appeal and chic attitude about them. They are designed as an over-the-knee boot that have great looks and a comfortable feel. In this review, I’ll give the highlights of this particular footwear.

You will definitely make a statement with the Steve Madden Blondee boots. They are an over-the-knee boot with supple suede that is fashioned into a wedge-heel boot designed for fashionable winter wear. This pull on design has a round toe, button decorations accenting the back of the shaft, and a lightly padded insole. The Steve Madden Blondee Boot has a shaft height measures approximately 21 1/2 inches from arch and a heel which measures approximately 1 1/2 inches.

These are very trendy, indeed. But besides being a very chic style, they live up to the Steve Madden name as being very durable in construction and very comfortable to wear. The goal has always been about giving women a sense of individuality, and the Blondee boot accomplishes just that. An added plus is that they can pretty much go with any outfit. You can easily dress them up or dress them down, depending on what outfit you are wearing. These boots really are incredibly versatile.

Any of these styles are fabulous – I almost cannot say enough about them. But this particular boot really stood out for me. In short – they’re a great choice for any lady who appreciates high fashion with plenty of comfort in the colder months of the year.

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Wholesale Apparel -Winter Wear For Your Kids!

Winter is upon us and as parents, we are all concerned about making sure that our precious children are dressed properly when they play outdoors in cold weather. Naturally, we want our kids to have the best possible winter wear, but a look at the prices of some specific items of cold weather apparel can elicit a bit of “sticker shock” amongst shoppers! Fortunately, there https://soojinstyle.com/ are alternatives to simply paying the retail prices you’ll find on the clothes you are seeking for your children! Among these alternatives are wholesale “clubs” that are known for offering high quality merchandise at bargain prices. While we won’t mention any of these businesses by name, chances are that some of their stores are located near you and most likely, you can find outlets for all of the major wholesale or discount companies within an hour’s drive of your home.

At some time in the past, we’ve all heard about super deals on clothes, but it’s not often we can find out where to specifically go to find such deals. The question of “where to find wholesale apparel” usually goes unanswered or worse, answered after a specific sale has already expired! Perhaps you too have experienced the frustration of being told by a store clerk, “you should have been here last week – this jacket was on sale.” The good news is that the wholesale “clubs” or stores mentioned earlier typically offer a great selection of kids winter apparel at prices so low that they could legitimately run advertisements showcasing “Wholesale Apparel.” You probably will be able to find the winter wear you are seeking for your child at a very attractive price and even better is the fact that these stores usually offer low prices on a constant basis, negating the need for you to know exactly when a sale begins or expires.

Because the major discount chains buy items in bulk, you won’t have to sacrifice quality or fashion in order to get a great deal on winter apparel. You’ll find major brands and current styles as offered in pricey department stores, but you’ll pay a good amount less when you buy from a “wholesale club” or similar discount oriented shopping center. Prices at these stores usually run about 20% lower than those found at major department stores and mall shops, but you can often find prices that are truly wholesale level discounts of 50% or more off of established retail prices!

We recommend that you do an internet search for “wholesale apparel”, “where to find wholesale apparel” and “discount winter wear” – and most likely you’ll discover that there are several stores located close to your home that may offer great bargains on the winter clothes you are looking for. If you already have enough winter apparel for your kids, you should consider buying next year’s clothes soon, when the stores offer various closeouts and sales on winter clothing.

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Addiction – When Gambling Becomes a Problem

While most people enjoy casino gambling, sports betting, lottery and bingo playing for the fun and excitement it provides, others may experience gambling as an addictive and distractive habit. Statistics show that while 85 percent of the adult population in the US enjoys some type of gambling every year, between 2 and 3 percent of will develop a gambling problem and 1 percent of them are diagnosed as pathological gamblers.

Where can you draw the line between harmless gambling to problem gambling? How can you tell if you or your friend are compulsive gamblers? Here you can find answers to these questions and other questions regarding problem gambling and gambling addiction.

What is the Meaning of Problem Gambling?

Problem gambling or compulsive gambling is defined as an uncontrollable urge to gamble despite the destructive effect of gambling on the gamblers life and despite feelings of guilt and remorse. Problem gambling tends to have a negative effect on the gamblers financial state, relationships and daily life. Severe cases of problem gambling can be defined as pathological gambling.

Am I a Compulsive Gambler?

1) Do you gamble until your last penny runs out?

2) Do you gamble to win back your former losses or debts?

3) Did you ever had to borrow money to continue gamble?

4) Did your gambling habit ever made you lie to your friends or family?

5) Did you ever skip work or other obligation to gamble?

6) Do you tend to gamble to forget about your personal problems or to celebrate happy occasions?

7) Does gambling have a negative affect on your daily life or relationships?

If you have answered yes on at least one of the questions listed above, then you have a problem.

Can Anyone Become a Compulsive Gambler?

Theoretically, yes. Any gambler can develop gambling problem regardless to the type of gambling he is occupied with, the amount of money and time he is spending on gambling. Researches show that slot machines that can be found in bars and convenient stores are the most addictive type of gambling activity, while lottery draws and bingo games are located on the other Sattamatka end of the scale. Gambling addiction is an emotional problem; its symptoms, causes and treatments are similar to any other form of addiction.

How Can I treat Gambling Addiction?

1) Group Therapy:

Gamblers Anonymous offers a 12 step self help program similar to the one offered to alcohol addicts in Alcoholics Anonymous. Group therapy also offers gambling addicts advice and support from professional counselors and other gambling addicts in different phases of their recovery process. Gambler Anonymous centers are available in more than 1,200 locations statewide.

2) Individual Therapy:

Cognitive or behavior therapy can help gambling addicts to identify their unaware thinking and acting patterns, which led them to gamble compulsively, and to replace them with controllable and healthier ways of thinking.

3) Psychiatric Medication:

It has recently been proven that antidepressant medications from the family of SSRIs, selective serotonin reuptake inhibitors can be affective in treatment of gambling addicts.

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Buying Auto Or Car Parts at Affordable Prices

Owning a vehicle is almost a necessity in today’s world but having one sometimes can be expensive, especially when it comes to used auto or car parts. From time to time, you’re going to have a problem with your car and a large portion of the expense of taking care of that problem is buying the right car parts for the job. The good news is you can save money in a couple of ways.

Buying Used Car & Auto Parts

If you’re on a tight budget, one option you might want to consider is purchasing used auto parts for the vehicle. The savings will vary depending on the part but in some cases you’ll be able to cut your expenses by 30 to 50%. One downside is determining the best way to find these parts. Although you could stick to the junkyards and dealers in your area, they may not always have what you need. Using a search service online that would allow you to connect to a network of potential suppliers will greatly salvage auto parts increase your chances of finding what you need.

Buying Wholesale Car Parts

Basically, if you purchase wholesale car or auto parks, you are paying the same price as the auto parts stores themselves. The manufacturers sell the parts to the retailers at a lower price than what you would pay in the store so the retailers can increase the price in order to make a profit. When you buy the parts directly from a wholesaler, you’re automatically going to be saving a lot of money on the parts you get. Again, the savings is going to vary but you’ll have the best luck locating these wholesalers in the auto industry by searching online.

Buying Replacement / Aftermarket Parts

You can save a lot of money even up to 70% on purchasing aftermarket auto parts instead of OEM parts. OEM parts usually are purchased through local dealership and they charge a lot to install the new parts as well. It’s a good idea to purchase replacement parts as it is highly cost effective.

Finding Both in One

The best hope you have for success in saving money on these parts is going to be locating a site that provides the network and that operates as wholesalers. Search for a site that offers wide network of car parts, truck parts for various models at affordable prices and full online support.

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Just What Is A Casino Bonus and The Reason Why You Want One

If you’ve ever been to or gamed at a web-based casino you’ve probably been presented a welcome bonus in the casino’s homepage. You might have thought about questions for example “Why would they provide me free money?”, “What’s the issue?” and “Should I go ahead and take bonus offered?”

In everyday life we’re often skeptical about stuff that can be found free of charge and try to believe that there’s a secret agenda. The internet casinos giving such perks do 토토사이트 indeed come with an agenda which would be to attract you to their casino having a great welcome bonus deal, check out their online games, ideally be having a blast and be a lasting user of the program.

For most of internet casinos the casino reward provides a loss leader, the casino does not actually earn money about the first bonus, but provides the totally free money in anticipation how the player will love the casino and therefore play in the casino over and over. In the casino operator’s viewpoint this can be a mutually advantageous deal even though the ball player gets an incentive initially the casino advantages of using a potential long-term client.

So you now realize why the casino gives you totally free money, in the event you drive them on their offer? The reply is it depends. It depends upon what kind of casino and exactly which bonus is within question. An essential aspect to each casino bonus may be the conditions and terms enforced through the casino. These kinds of conditions and terms will often feature all the following:

– Turn Requirement – This is the way often you have to take part in the bonus sum before you withdraw the bonus and/or your personal deposited funds.

– Bonus Match Percentage – This is actually the amount that’ll be given like a bonus in your initial deposit. Whether it claims a 100% Bonus Match, this could mean should you deposited 100 euros you have access to 100 euros absolutely free.

– Restricted Countries – Casinos frequently restrict countries they consider especially abusive of their bonus offerings and don’t permit them to go ahead and take bonus or force a more stringent turn requirement.

– Withdrawable or Non Withdrawable – bonuses may either be withdrawn when a turn requirement is achieved or simply the earnings produced from the bonus could be withdrawn.

– Games permitted to try to be able to withdraw the bonus/winnings – Several safe games are often not allowed for example roulette or blackjack.

To some newbie an online casino’s bonus conditions and terms could appear severe so that as a brand new player you may think ‘why would I even desire a bonus?’ Luckily some bonuses are superior to other folks and because the conditions and terms vary a great deal between different online casinos it’s a excellent concept to make use of a completely independent casino bonus review website to locate which bonuses work best for that player.

The player can have the casino has been not fair and resent the inability to withdraw their cash because of bonus circumstances. Even so, in the casino owner’s perspective they need to try to avoid what’s termed as “bonus abusers” or “bonus scalpers” to do this they need to result in the conditions and terms rigid. Casino bonuses have advanced a great deal through the years and they’ve become very complex for that beginner to have their brains around the regulations as well as an introductory excellent offer are now able to seem to be truthfully a problem.

Luckily for us there are lots of great trustworthy casinos that provide casino bonuses with reasonable conditions and terms which are ideal for the ball player. It’s really a small headache to choose the offers and bonuses which are really worth getting so a great casino bonus information is really a blessing to anybody desperate to check out a brand new internet casino bonus offer. The more knowledgeable casino player can continue to take advantage of an online casino bonus review website once they choose to shift using their typical casino to a different casino and drive them on their initial offer.

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Top 3 Best Skin Care Oils That Will Leave Your Face Matte!

I love oils. I use them in my body, on my body, in my hair, etc. Oils are simply amazing and I usually stick to using only organic, cold-pressed, unrefined oils because I think these are the best as they retain many of the healing properties that are inherent in them which can benefit my skin, hair as well as internally if they are oils that can be consumed.

I have combination/oily skin and while using an oil on top of oil sounds crazy, it works for me. I have been doing this for years now whether I use an oil as a night cream or as a daily moisturizer or both.

Instead of drying out my skin as many moisturizers do that target combination/oily skin, which only ends up producing more oil, using oils to moisturize my skin seems to calm my oil glands and not drive them into overdrive to produce more oil because my skin isn’t stripped of oil.

I still get oily during the day though when I use an oil to moisturize but I still feel that using an oil is better for my skin. And when I use an oil as a night cream, most mornings I wake up to skin that just looks amazing.

While I have used many, many different oils and don’t mind whether they leave my face a bit shiny or not, the following three oils are the best skin care oils that I have tried so far that leave your skin looking matte although when you touch your skin, it will not feel dry but will feel moisturized. This is especially beneficial if you want to use an oil on your face but hate the greasiness that some oils can leave behind.

3 Best Skin Care Oils

1. Emu Oil

I only use this on my face because magnolia wellness it is quite pricey for the amount you get. If I had to pick one overall winner, emu oil would be it although the others on my list are excellent too. When I use emu oil, I have more days when I stare at my skin in the mirror because of how smooth and amazing it looks!

Emu oil is definitely one of the best skin care oils that you can use and you will be amazed at how matte your skin will look while it will still feel moisturized. After you apply it, it is quickly absorbed into the skin to leave your skin looking matte.

One thing to remember about emu oil especially if you are trying to avoid animal products is that this oil is made from the emu bird which is native to Australia and New Zealand.

Emu oil is obtained after the meat is harvested from the birds, which means that this oil cannot be obtained if the bird is alive. All parts of the birds are used in some way. The skin or hide is commonly used in the fashion garment industry in Europe, the meat can be a substitute for beef while the oil has many healing properties when applied topically. It is not to be taken internally. Each bird can produce about 5 liters of the oil or so which then is taken through a refining process which varies from one manufacturer to another.

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Most Popular Free Android Apps

This list of the most popular free Android apps run the whole gamut, showing the range and the power of free Android apps in general. These apps can really turn your Android phone into a stronger and more helpful device. Surely, you wouldn’t want to miss that opportunity? Here are ten of the most popular free Android apps available:

Compass

In a way, it would be very surprising if a run-of-the-mill compass app was on this list. Well, it’s not and this Android app is far more than a mere tool to tell you which way is north. To name a few of the features this app brings to the table will be enough to sell most on the idea that it’s a practical, handy app to have on their Android phone. Essentially this is a half compass, half GPS Android app. It tells you the direction, but it also tells you the speed at which you’re traveling, the exact coordinates of your location and more things that can be used for fun or to potentially save your life if you’re trapped somewhere.

Handcent SMS

Do you want to send SMS and MMS messages through your Android phone? Don’t get what I’m asking? More simply: do you text? If you do, you need to get Handcent SMS for Android. Basically, it takes your phone to entirely new level and texting dimension. Trust me, when you’ve used this app for a while, you’ll wonder how you lived without it for so long!

Facebook

I really shouldn’t have to say a single word about this app. I do feel it’s necessary to say that it’s the *Official Facebook App for Android*. Enough said!

Ringdroid

Perhaps one of the most hands-on free Android apps, Ringdroid allows you to edit various audio files so you can create your own ringtones and alarms. Tired of editing songs to create your own ringtone? Well, they’ve thought of that too! You can create ringtones for your Android phone from scratch as well (using the Ringdroid app on your phone).

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Places Directory

This Android app does exactly what it sounds like. It allows you to find the nearest gas station, shopping mall, shoe store, movie theater, or even a great place for a burger. It is simple to use yet very efficient and effective: a must-have Android application!

Backgrounds

Do you want to keep your phone looking new and fresh every so often? Get Backgrounds, one of the most popular free Android apps that has more than 10,000 wallpapers for free. With this app, your phone will never look drab again.

Google Sky Map

Probably not the most useful on this list, but it’s definitely one of the most interesting. The Google Sky Map is exactly that: a planetarium right inside your Android phone. What’s more? No need to say more than it’s a Google program!

Astro File Manager

You wouldn’t know it from this app’s name, but Astro File Manager is among the top most popular free Android apps. It is a task manager and among Android’s best one at that. You will be able to manage files, read and open.zip files, send files, backup applications and much more with this amazing app.

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Does The Cybergenics Quick Weight Loss Diet Really Work?

The battle of the bulge is one war that never seems to end. You’ve tried everything–weight loss supplements, eating healthy–but nothing seems to work. While some products may not be suited for you, it is also important to know that sometimes, it’s your body to blame. Here are some factors that possibly affect weight loss. Consider them the next time you toss out your weight loss supplements because they “don’t work.”

5 Factors that can affect weight loss:

1. Too Many Diet Plans: Instead of making your body work harder in helping you lose weight, following too many diet plans “confuse” your body, causing a negative effect on your body. And this isn’t just about not losing weight. Plunging yourself into diet plan overdrive can overwork your body and make you sick.

2. Increased Toxin Levels: When you have toxins in your body, toxins tend to go where you store body fat. The more fat you have, the more toxins you store. Because you are accumulating toxins, your body slows down. This means that the body’s ability to metabolize fat also slows down, making it harder for you to lose weight.

3. Eating Emotionally: Comfort foods are, more often than not, loaded with fats and sugar. Because your body has associated feeling good with consuming comfort foods, it becomes natural that you reach for them whenever you feel down. This is one reason that being under stress makes some people gain a lot of weight.

4. Eating Large Portions: Eating a large portion means that you are taking in more calories than what you would get from a normal-sized portion. This could also stem from the fact that when people eat a normal-sized portion too fast, they tend to think that it is not enough to satisfy their hunger because they don’t feel full. The truth is, it takes your body 20 minutes to “realize” that it is full. Think of all the food you would have eaten in 20 minutes? In this case, eating a normal-sized portion slowly is the best way to go.

5. Hormonal Imbalance: Some people are not actually fat because they eat way too much or are not moving as much as they should. People with hormonal imbalances have health conditions that make their bodies more ineffective when it comes to burning off calories. While not life-threatening, having a hormonal imbalance can affect the overall development of your body.

Cybergenics quick weight loss diet

The cybergenics quick weight loss diet works by combining nutritional science with a delicious food guide, integrated into a fun and easy workout that gets you going and motivated. For more than 20 years, the cybergenics quick weight loss diet has been part of the ever-growing line of weight loss products. Even with not depriving you of anything, the cybergenics quick weight loss diet is geared towards helping you:

1. control your caloric intake

2. burn calories and fats

3. control your sugar cravings

4. increase your overall energy

5. get better nutrition

6. promote losing weight

7. draw out water from beneath the skin

8. reduce absorption of fat

9. reduce bloating

10. get rid of intestinal bulk

11. develop growth of lean muscles

12. tone your muscles

13. suppress your appetite

Components of the cybergenics quick weight loss diet

1. AM Formula: The AM formula of the cybergenics quick weight loss diet works by boosting your metabolism so you burn more fat and calories while at the same time providing you with a rich source of energy. Even your cravings are kept at bay!

2. PM Formula: The PM formula idealica farmacia of the cybergenics quick weight loss diet works so hard that you even burn fat while sleeping. Apart from helping you shed any unwanted water weight and thus curb bloating, the natural herbs that the formula contains also help to make sleep better for you.

3. Menu plan for healthy eating

4. Simple and easy exercise routine

Consult your doctor

As with any fitness regimen or weight loss supplement, talk to your doctor before taking or engaging in anything. And more so if you have any serious health conditions or are currently taking prescription medication. By consulting your doctor, he can give you advice on which fitness regimen or weight loss supplement is OK for you to take. This way, you are assured that whatever you take or do, it would be suited for you. Some weight loss supplements are ineffective not because they aren’t any good to start with but rather they aren’t suited for the person. What is suited for one person may not necessarily be suited for another or in exactly the same way. By consulting your doctor, you are actively eliminating possible roadblocks to achieving your fitness goals.