5 Warning Signs of a Personal Loan Scam

5 Warning Signs of a Personal Loan Scam

Have you ever been in a tight spot and you need more money than what you have?

Do you urgently need money, but your payday is still days away?

There are certain times in our life when we consider getting a personal loan to finance our wants or needs. A quick Google search will lead you to thousands of lending companies promising easier payment terms, or a big loan amount promising low fees but with lots of hidden charges.

You might even encounter a too-good-to-be-true lending company; they assure you they’ll lend you a huge amount of money. The one you need for your child’s education. A big amount enough to start over again. Enough money just to get by without waiting for support. You become enthusiastic; you share your information and they promise they’ll get back in a few days.

And poof! They’re gone. After a few days or weeks, you’ll receive notice that you’re further down the dumps, as “you” allegedly borrowed money you didn’t even apply for. This is just one of the common cases of identity theft. Some will misuse your information to take out loans for themselves.

How can you avoid these scammers who would just rip you off and put you into more financial stress? Watch out for these top warning signs of a personal loan scam!

Watch out for No Credit Check “perks”. Isn’t it too convenient to find a lender that won’t check your credit simply because they ‘understand’ the position you’re in? Isn’t funny that some lenders ‘claim’ that they have a software that can estimate your credit history?

Online loan companies like Personal Loans Now in Australia allows you to apply online for a personal loan, but they still undergo a process where they check your current standing and more. Once they finish verifying your documents, they will still screen you for more information. A definite date will be set to let you know if you can get a loan or not.

Scammers use survey forms that gather your personal information and they’ll leave you hanging with more debts down the line.

Asking for Upfront Fees or Collaterals. This is the oldest trick in the book. Scam companies will ask you to wire them money so they can process the loan. Nowadays, their modus operandi involve obtaining your debit card information; they will promise to only “check” your debit card if there’s money in your account “for security reasons”.

Next time you check, your debit account has already been drained. Be careful of these different attempts to get upfront fees from you.

Unregistered lenders. Operating outside the country or online does not exempt any lender from getting registered. A quick search online or call to the State Attorney General’s Office will help you determine if you’re talking to a legitimate lending company. Borrowing money from illegal lenders can put you into deep trouble.

Non-existent offices. Again, you are prone to identity theft if you’re not careful of where you apply online. Even online lending companies have their own headquarters somewhere. Look for their contact page, and do a little research or drive to their location to inquire. Watch out for those with PO boxes as addresses; chances are, they aren’t legitimate.

Emails offering personal loans. It’s ridiculous how people still believe these exclusive offers for a low, low, low interest rate. These emails are in the Spam folder for a reason. If there were emails that slipped past the Spam filter, watch out for those offering commissions or any additional perks. Check for a professional email signature, and avoid clicking links or downloading attachments from that email.

If you have fallen for these tricks, call your local police, and file a report. Online scams might be difficult to trace back and retrieve whatever you lost, but reporting it will help the public to become aware of scams like these.

Save your family’s well-earned money and contact a legitimate lending company for your personal loan needs. Do you have any experience with scammers, especially with online lenders? Share your story via the comments!

 

11 Awesome Tips for Making Ends Meet

11 Awesome Tips for Making Ends Meet

Do you need money on the side? Well getting your hands on a little bit more can be easy if you are willing to try new things and be a little industrious. Take a look at these great tips on how to do so.

Transcribe

If you type fast and have experience with transcribing audio, you’re probably able to make some cash on the side working for companies which provide transcriptions for hearing impaired people. There are many online job sites such as Elance and Odesk where you can find a variety of transcription job offers. If you want to get repeat work, you’ll need to write quickly and accurately, with proper spelling and grammar.

Do Affiliate Marketing

Affiliate marketing consists basically of promoting a third party’s services or products. You could post YouTube videos with links to products, or incorporate their promotional material in your blog, website or page. If you have a blog or page that has great content and constant traffic, you should check out websites such as Commission Junction for services and products which will allow you to connect.

Sell Music

If you have a small band with some sort of local following, you can expand your audience and make some cash on the side by recording an album and selling it online. You can use social media to get more people interested in your music and your act. This will probably easier and more successful than attempting to score a major label deal, particularly if your music isn’t particularly commercial or is not in one of the most popular genres.

Write An eBook

Are you talented or very knowledgeable in a certain niche? Do you have an inspiring or fascinating life story, or perhaps a story of overcoming adversity? Do you have a secret for doing a certain thing that many people could benefit from? If you answered yes to any of these questions, maybe you should write an eBook, and try your luck selling it at online retailers such as Amazon. You don’t need a publisher or literary agent – all you need is a compelling idea which people will want to read about.

Haven’t yet found an idea that suits your personality or skills? Keep reading for other online money-making tips which will help you make ends meet.

Start An Online Store

If you market or make a unique product, it can be a great idea to sell them online, directly to customers. This is an excellent route for niche products, such as personalized pet accessories. You’ll need a website which looks professional and is set up to receive orders and then invest a bit of cash for the website and merchandise. If the store becomes particularly successful, you’ll be able to rent space to other retailers that have products to sell – that’s how Amazon started out. You can check out 3dcart.com for more info on selling things online.

Online Cash Loans

What better way to get your hands on some money quickly than through online cash loans. Once taken with a strong understanding of the terms and paid back within the right period, online cash loans can be a great way to fund purchases when they are needed quickly and as a necessity.

Sell Products At Online Retailers

If you can sell a product but don’t feel ready to start an online business, you can reach out to one of the many websites which does the hard work of placing the items you sell in front of people who are willing to buy them. If you want to sell collectibles such as jewelry or handmade art, check out Zibbet, Etsy or ArtFire. Etsy is the biggest of them, excellent for vintage or handcrafted items, so you’ll definitely get an audience there.

Sell Your Photography

If you’re a skilled photographer with a large portfolio, you could make it work for you by licensing photos to microstock agencies such as Dreamstime and Shutterstock. There are many blogs and websites who are looking for art to accompany articles, so if you have the sort of photos they’re looking for, you could definitely make good money off it.

Flip Domains

The term ‘flipping’ refers to the practice of buying domain names and selling them at a profit. You’ll need a bit of ingenuity, a lot of research and some luck, but you can make a nice sum from time to time. The idea is to check out Google Adwords constantly and be aware of trending keywords, then predict which domain names will soon be in demand. This is not that easy of a task since the simple, clever and/or obvious names are usually taken.

If you come up with a name you might want to purchase, go to a domain name registrar and run it. If it hasn’t been taken yet, all you’ll need to do is pay a purchase fee, and maybe a setup fee, plus the yearly renewal fees. Many companies such as GoDaddy specialize in registering domains. While this can be time-consuming, the payoff can be big – valuable domain names will often sell for over $100,000.

Don’t give up yet – we’ve got a lot more tips which will help you put your skills to pay rent online.

Do Freelance Work

If you’re out of a job in publishing, marketing or web design, and your attempts to find a steady job have failed, it might be a good idea to start a freelancing career. Web sites such as Guru, Textbroker, and Elance allow potential employees to bid for the jobs requested by potential employers.

When we checked, new jobs at Elance ranged to $10 an hour for graphic designers to $1,000-$5,000 for iOS or web developers. Be ready to present your skills and case in a short proposal which states the reasons why you’re the perfect candidate for an assignment. Keep in mind that you’ll need to apply for a variety of jobs before getting one.

Find Quick Odd jobs

When you have some free time and are looking to do certain jobs quickly, you can check out Gigwalk, a free app where companies advertise short assignments they need completed, such as going to a business and writing a Yelp review for it for $20. If you’re good at running errands or assembling furniture, you can sign up at TaskRabbit, where people and business who need some temporary help try to find workers. You’ll need to go through a video interview and a background check, but you can definitely pick up some cash there between jobs.

3 Questions to Ask Before Consolidating Your Debts

3 Questions to Ask Before Consolidating Your Debts

People have a negative connotation when it comes to debts. However, debts can help people pursue bigger dreams and major financial decisions like purchasing or financing their dream home. For example, My Loan Solution offers loans for those who are looking to finance their wedding, childbirth, or for a major surgical operation. People acquire loans for different reasons.

Then again, the negative outlook on debt comes from people who owe too much debt. Debt can change your life — and its results can either be fortunate or disastrous. The key with debt is that you must have the ability to stay on top of it; it is a responsibility you have to maintain. A series of failing to ease off your debt will only result into more debts, locking you into a chain of endless payments and loaning.

The good thing is, there are many ways to pay off your debt. Americans have an average of $132,500 in debt. That does not stem from one debt alone; with that huge amount of debt average, it comes from different kinds of debts that someone had acquired in his life.

One of the common strategies in managing and paying off debts is consolidating your debts. There are many ways to pay off your debt through consolidation:

  • Adjusting the payment terms of your loans,
  • Availing a loan to pay off all previous debts,
  • Moving credit card accounts to lower rates

These ways may be appealing to you already, but before you apply for debt consolidation, here are three questions to ask yourself to determine if it is right for you:

Can consolidation help me save money or is it more expensive?

When you purchase a treadmill via credit card, chances are that it costs more than buying it on cash basis. Some will offer it with low-interest rates, and others will again offer low to no interest rates but for a limited time only.

The same principle goes with debt consolidation. Other lending companies can consolidate your loans for a lower rate, and all the perks you can imagine, but that’s not always the case. Oftentimes, low-interest rates are available for a limited time only. Debt consolidation might be an attractive solution, but it’s not free from other fees that may make it harder for you to settle.

Our tip: do a self-consolidation. Gather your accounts and compute how much are you going to pay for each, considering all rates and other fees. You might find out that you’ll pay less by virtuously paying on your own, on time.

If I consolidate my debts, am I able to pay it off on time?

If you’ve consolidated your debts, it’s easier to pay your debt because you only have one or a few creditors to pay. This means you can easily plan your budget across your savings and expenses.

On the other hand, this might be difficult for some as consolidating debts means paying more money than what you’re used to. Some people with debt focus on paying one debt at a time, and that works for them. If you can manage to pay off your debts one at a time, assess if debt consolidation can lessen the burden of late payments over time. 

Should I consider consolidating my debts?

Whether you’re leaning towards easier payment, convenience, or timely paying off your loan, you should thoroughly think about it.

Assess your current situation and look at how consolidation can help or can aggravate your debt situation. Consolidating your loans only combines all your debts, but it is still debt. You didn’t necessarily cut off your debt. It’s a debt you get to pay all your debts. Some eventually adopt a false sense of security because they had this idea that they’re no longer paying too much, which makes them lax about spending.

Since this is still a debt you have to pay, you have to practice discipline to go through this loan.

The Busy Single Mom’s Tips for Caring for Your Child’s Braces

The Busy Single Mom’s Tips for Caring for Your Child’s Braces

Did your child get a new set of braces, like many do? If they have, you’ll know that they can be hard to care for.

In fact, having braces is often an inconvenience, particularly if you are not used to them. The good news is that you can help them care for them effectively if you remember a few simple tips. Before you know it, your little one will be time to take your braces off and reveal your beautiful new smile!

  1. Be Realistic

Having braces is a different experience. Your teeth will feel weird. It may be hard to eat certain foods. You may even feel some discomfort, particularly at night when you have nothing else to distract you. Keep reminding yourself that this will all pass. You will find a new normal, with braces, and it will be hard to remember what it felt like not to have them. However, go into the process understanding that things will be different for a while. This mentality will help you to adjust to the changes in your life with relative ease.

  1. Smile

When you smile, you show off how confident you are. Some people go into the process of getting braces filled with dread. They think that braces will be terrible, and they are worried about how they will look. However, it is important to consider that there are a lot of people in this world with braces. It can’t be THAT bad. Also, remember to smile. When you have a beautiful smile, no one will really pay attention to anything else.

  1. Eat Carefully

Your teeth will likely be sore when your braces are first put on. That means you should choose foods that don’t require a lot of chewing. For example, soup, applesauce and smoothies are a great option. There’s nothing wrong with a little ice cream to help yourself feel better, either. Soon, though, you will be ready for different food. You must still make careful selections, because some foods (like carrots and apples) have a tendency to get stuck in your braces. They can even damage your orthodontia. If a piece of food does get stuck, it is often really hard to get out. Therefore, avoid hard candies, ice, bagels and chips. Stay away from gum and tootsie rolls. If you want to eat a fruit or a vegetable that is hard, cut it into bite size pieces.

It isn’t going to be easy to clean your teeth well. That means that you should avoid certain foods that often cause cavities, at least until you have your care routine down pat. In general, you should stay away from soda, pastries and candy, because they have a lot of sugar in them. If you do have a treat, make sure you brush right away. Some toothbrushes are better for this task than others; look for one that neutralizes sugar. Your dentist is a great resource if you aren’t sure where to look. Also, food like popcorn, which gets stuck easily in braces, should be avoided. Caramels, nuts and corn on the cob are not great choices either. Remember, it is better to be safe than sorry.

  1. Care For Your Teeth

You likely already take good care of your teeth. However, when you have braces, you have to pay even more attention to what you are doing. You must brush and floss regularly; the braces can trap food and harbor plaque, so a good cleaning routine is essential. Your dentist may be able to provide you with chewable tablets that help you see where plaque is currently hiding. Be vigilant so that you don’t have dental problems down the line.

It is not only important to brush and floss, but it is important to brush and floss the right way. That means making sure that you brush for at least two minutes. Take your time to make sure you get under your wires. Also, when you are flossing, you have to maneuver around the wires, which is not always easy. Tackle each tooth to make sure that you are cleaning properly. If he hasn’t already given you one, speak to your dentist about a wire brush that will help you clean around your wires and brackets. That little tool is essential in helping you get rid of plaque. Before you call it quits, use a mouthwash to help rinse. Ideally, you want one that advertises the fact that it gets rid of plaque. If you can’t tell already, plaque commonly causes issues for people with braces. You must be as diligent as possible in order to keep your teeth and gums healthy. 

  1. Be Colorful

Why look the same as everyone else? If you put colored rubber bands on your braces, you can personalize your look so that your smile is uniquely yours. You can choose one color or several different colors. You can change up the rubber bands each time you go to the dentist or stick with the same color over time. Do whatever you want, but make your braces part of your look. They aren’t going away any time soon, after all.

  1. Moisturize

Your lips are affected by your braces as well. It is easy for them to dry out and become chapped, which is why it is so important to apply a lip balm consistently. Start as soon as your braces are put on so that you don’t run into any trouble. In fact, it is best to apply a layer just prior to going in to see the orthodontist to have the braces put on. The process is a little slow, and your lips may become chapped and uncomfortable if you don’t take this step. That’s the last thing you need when you will be dealing with a new set of braces.

Cyber Secure Your Child With FamilyTime Parental Control!

Cyber Secure Your Child With FamilyTime Parental Control!

Most kids are tech lovers, have a lot of gadgets and every year wish for the latest ones. Even if not a tech geek, every child has access to the internet now and owns a smartphone or tablet. Kids are as much active on social media, gaming, YouTube and latest trends as the adults, even more than them. They are apt at the digital technology and the internet. They may be pros, but they are kids after all and that is why prone to cyber dangers like cyber bullying, online predation, giving in to peer pressure on social media, sharing sexual content which may be scandalized.

All these things have effects on their emotional stability and health. They are at high a risk of depression and many start suffering from it in their teenage. There is also increase in dry eyes, headaches, fatigue, and digital dementia. Kids unknowingly and sometimes knowingly share personal info online or sexual videos with complete strangers. This is used to blackmail them and then they can’t find a way out of it. Many kids trust their partners and sext with them, however, kids admit to sharing sexts with other people.

All this calls for proper education on cyber security and parental control measures as well. FamilyTime parental control is a highly recommended app which provides several ways to secure your child on the internet and control digital activity.

Look at how it helps you:

Mobile app blocker

Mobile apps like Snapchat and Kik have made sexting very easy. There are dating apps like Tinder which are meant for adults but kids use it too. Then there are other applications that have pornographic content and are inappropriate for kids. The best way to keep kids away from all this is by not allowing them to use such apps. So a simple way is to block them with the app blocker. You can also restrict social media apps or any app you want.

Screen time limits

The less they go on social media, the less there are chances of cyber bullying, social media drama, and depression. The less they play games, the more active they will be which decreases depression and risk of obesity too. So for that, you can make a screen time schedule for them and ensure they have device-free homework time, bedtime, dinner time and digital breaks through the day.

Browser history

You can view their browser history, frequently used pages and bookmarks to know what they surf and what their interests are. You can know if they are watching porn or going to insecure game rooms and chat rooms.

Text message monitoring

It allows you to monitor their texts regularly. It is a great way to catch sexting, blackmailing and harassment. You can get contact, time and date details too and put unsafe contacts on a Watchlist to get alerted.

Other than these features, FamilyTime also provides family locating so that parents can stay posted about their kids – where they go, check-ins/checkouts, panic calls and speed limits. FamilyTime parental control is the best digital tool that covers all your bases. And all you have to do is get the app for that.

Cyber security is vital

In these times where digital media and technology are unavoidable, cyber securing your kids is the most important thing. It is also essential that along with keeping tabs on their online activity yourself, you educate them about various dangers and the effects these can have on their life. This way they cooperate with you better and get responsible themselves.