Saving your loved ones life: choking

¡How to save your loved one’s life!

When all else doesn't work, LifeVac is the option to save a choking life.
Life saving device from choking

Every year dozens of people die unnecessarily.

If a knowledgeable person was near them. They could have been saved.

Most of them are children and old age people.

· I must highlight the urgency and severity of these incidents at home, especially involving children and elderly individuals.

Several of these deaths occurred at home.

And they can occur anywhere.

Food is one of the major objects responsible for those deaths.

Other objects can produce them. Marbles, toys, small pieces of anything, round objects, etc.

The terrible choking experience:

These are deaths produced by choking with an object stuck in the throat.

That is an airway obstruction.

The airway tracheal obstruction.

The person cannot get air to his/her lungs, can’t breathe.

This lack of air, oxygen, if prolonged will cause brain damage and then death.

· An explanation of airway tracheal obstruction and its consequences on the brain and life.

Most people don’t know the effective way of helping a choking person.

Probably, you are one of them.

It’s terrifying to see someone choking, especially a loved one, and not been able to do something to save that person’s life.

Responding to the emergency:

Usually, you or another person must respond rapidly.

You only have minutes to do something.

You must call 9-1-1, and follow the instructions given by the system.

You must apply the Heimlich maneuver or back blows and abdominal compressions, and CPR as taught by the American Red Cross and the American Heart Association.

That is why it is very important to take those courses and trainings.

Contact your local ARC or AHA for information.

This is for USA jurisdictions.

Other countries might have other institutions providing these lifesaving trainings.

Contact your local health care provider for information.

· It is important knowing the right methods to help a choking person; with emphasis on swift action with references to 9-1-1, the Heimlich maneuver, back blows, abdominal compressions, and CPR

· I encourage realistically to acquire lifesaving training from trusted institutions like the American Red Cross and the American Heart Association, along with similar organizations in non-US jurisdictions.

The Life Saving Device:

But there could be times when you will need additional actions to save a choking person’s life.

That is when you will need the LifeVac.

This is a device used to extract an object from the person’s airway or throat.

It is simple to use and has saved many lives. You will receive it with easy-to-follow instructions on how to use it effectively.

It is “registered” with the FDA.

It is a very wise action to always have one handy.

You never know when you might need it.

· This is an introduction of LifeVac as an additional lifesaving device for instances when conventional methods may not suffice.

Choking can happen at any time, day, hour, place.

My experiences with choking events:

· I had to save my father’s life at 5:00 am in the morning, choked with a piece of bread while having breakfast.

· My sister saved a cousin’s life at lunch time.

· A cousin saved her brother’s life eating munchies.

· My son saved his mother’s life while snacking.

Everybody should have one:

There is one size for children and another for adults.

Every school, hospital, childcare, adult care, food service, home, etc. should have one or more.

· Understanding how the LifeVac functions and why it is important to have one handy, given the unpredictability of choking incidents.

· Different sizes available for children and adults; can become the ubiquity of LifeVacs in places like schools, hospitals, child and adult care centers, food services, and homes.

 

How to acquire one:

For more information and to acquire one or more, visit the following link:

Saving lives with LifeVac: A simple device to combat choking hazards.

Don’t wait until you may have the emergency, get yours right now.

Click the link now:

http://www.amazon.com/dp/B07L9MBLYP/ref=nosim?tag= siul0f-20

When all else doesn't work, LifeVac is the option to save a choking life.
Life saving device from choking

How to heal your emotional traumas

How to heal your emotional traumas

Do you have a series of behavoirs in your life that you are trying to change?

You have tried a diversity of methods to change them, but they keep controling your life?

Then, you might have what is called post traumatic stress disorder, best known as PTSD.

This is a trauma that you acquired through some kind of very stressful, fearful, dangerous experience in your past that is still returning in your brain.

An experience that you have not been able to heal or relief and it keeps controling how you react to similar situations in your present life.

If these have been experiences during your childhood that were repeated frequently, then they become complex.   Known as complex-ptsd, or cptsd.

PTSD was a condition that many years ago were thought to be almost only a condition suffered by soldiers returning from the front of a war.

Now it is known that millions of people suffer it even if not even being a soldier. Experiences that people through all walks of life went through and going through.

This condition was mostly treated through medication.   Now it is known that, medication is the last resourt.

There are a series of non-medication treatments available for people suffering this condition.

Cognitive behavior therapy (CBT), prolonge exposure, talk therapy, emdr, and many others.

Of these there is a one that is considered very effective for this condition.

It is known as emdr, or eye movement desensitization reprocessing.

For a more informative exposition it is recommended that you visit the following link:

https://www.ptsd.va.gov/understand_tx/emdr.asp

Disclaimer:

I am not a therapist and this is an informative article only.

If you have any health or mental health condition you should visit a certified health professional in your area.

The best protection against virus

Protect yourself against the coronavirus, covid19 and other virus, bacterias and germs

You, as other million of other people, have gain awareness of the dangers, care and protection that must be taken against pandemics.  Not only covid19 pandemic, but other epidemics that have arisen and that could arise.

Processes and protection against virus

Consistently processes to follow have been published for that protection.  Among these there are washing with soap and water, disinfectionn with sanitizers, alcohol, chlorine, lysol and other disinfectants.   You have to disinfect everything.  Hands, face, body, clothes, vehicules, footwear, inside the house, etc.

You should use face mask, gloves, face shields, and maintain a distance of at least six feet (6′) or two meters between individuals.  This is social distance.

The curfews and quarantines are established to make people really aware and conscious that the danger of contagion is real.  There are people that don’t understand this, especially old age people, those with mental deficiencies mentales and those that don’t give importance to the dangers, that don’t believe that this is really happening and that it is very dangerous.

Protecting our families

There are a lot of people responsible and sensible that want to protect their families, friends, neighbors, workmates, and all the other people even if they don’t know them.  They protect themselves and protect the others, too.  They take care of  themselves and care for others, too.

There are some people that are preparing their own means of protection.  They prepare face masks and clothing.

Another way of protection and taking care is through a healthy feeding.  Eating healthy fruits and vegetables.  And there are the home, natural, and traditional medicinal remedies.   Plants, oils and potions are used.  Exersizing to maintain a bodily good condition is another way of fighting illnesses and to strengthen the body and the immune system.

A tedious process, but necessary

This is a tedious process, tiring and even boring.   But you have to do it to be able to have life, health, wellbeing, now and in the future.  This includes every other person that surround us.

The process of going from the stage of being positive to covid19 is immensilly tough.   The person has to isolate from everybody else.  Even in his/her own house.  His/her life environment converts on being closed in a room.  The interaction with other people is with great measures of avoiding the contagion.

If the person with positive covid19 adquires the symptoms up to having respiratory problems, then and there is when the agony begins.  When you can’t breath nothing more is important.  I have been through the problems of shocking with food and with a traquea blocking.    This has been for only som seconds and it is maddening.   The fight to get air in your lungs.   Imagine, having this condition where you fight for air constantly, that is  really maddening and an agony.  So as not to reach that point are the methods available and protective measures proposed.

You need alcohol, chlorine, sanitizer, face mask, gloves, thermometer, face shield, ultraviolet light, head cap, shoe covers, medical gowns and others.

Proliferation of good and bad companies

A diversity of companies have proliferated offering these products.  Various of them are legitimate and honests.  But there are thousands that are complete fraud, rip offs schemes.   And even seek to steal your identity.

Seeing how these companies have behaved, I have looked at the legitimate ones.  I consider that one of the legitimate ones is Banggood.

You can look at the variety of products that they have at their website, internet page, online.

The advantages of buying online

Among the advantages are that you can look their information in several languages, yours could be included.  In the upper right side of the page you will see the language link.

You can order your products from the comfort of your home at any time and day.

They display their products by categories.  Examples are Health, Beauty, Sports, Clothing, etc.

The category, list, Menú of their products is at upper left side of their page.

How to access your products

Visit their link by clicking here: Banggood

Your friend: Luis Antonio

P.S.: Clicking on the link and doing any purchase of some products I could receive compensation.  This doesn’t affect your product price.  And, yes you will be helping me to keep up and continue products and services reviews that I consider beneficial for you and your family.  Many of these products and services I use or have used.  Others, I have done research on them and found them good for you.   I present them and recommend them.

Succeed in your life with emotional strength

The Real Way To Your Life-Improvement

After extensive research and testing, I found a system that really results in

fabulous life changing behaviors!

Do you suffer from one or more habits and conditions of life that you don’t want, but have not been able to change?

Have you tried several self-help, self-improvement methods, techniques, books, cd’s, trainings, and you are not satisfied with the results?

Do you lead a stressful life?

In summary, is your life a miserable disaster?

Then read on, because you’ll discover a way to change those depressing aspects of your life.

Your everyday stress will be greatly reduced.

Your family, neighbors, and work relationships will improve.

You will have a happier relationship with your family, friends, neighbors, and, especially, with yourself.

You will have a more relaxed inner self.  You will have a more satisfying spiritual life.

Your romantic life will be more intense.

Stress that is draining your life of energy will disappear.

Physical, mental, and spiritual energy that is exhausted by a stressful  life will be healed.

You cannot avoid stress provoking situations in your life, but you will surely get the necessary system to impose yourself over them.

Your life will change through the proven techniques in this stress reduction easy to read and follow system.

You will benefit from this system because it is practical and real

You, probably, as many people interested in their self-improvement, have tried a diversity of self-help methods.  I have, too.  Transcendental meditation, hypnosis, meditation, yoga, judo, mind control, massages, psychology, sociology, psychiatry, group therapy, counselors, spiritual leaders, NLP, biofeedback, religion, and on and on.  You name it, and I have probably done it, too.

You, like me and other people have, might have obtained certain results with these methods.  But you still feel somewhat empty, unsatisfied, like something more is missing.  You find that there is something more to be obtained.  Well, I felt that way, too.  I kept on looking and tried my own methods, too.

From the books that I read, the seminars I took, and through my own experience I realized what was that something that was missing.  That something was that my being was not quitely responding to the methods.  I got into investigating the why of this.  And I discovered it.

You have probably been frustrated from investing hundreds of dollars in books, seminars, and so on.  And not having the expected results.  I did, too.  That doesn’t necessarily mean that those other methods don’t work.  They do.  For a few people and sometimes for a short while.  But then again, there are that immense majority of people, like you and me, that missed that something.

With the method that I discovered you will include that “something” into the other methods.  You will be able to use this method as a stand-alone life improvement way of life or as a complementary and necessary part of any other method that you are using or want to use.

Insider Secrets To Having A Complete Experience In Life Improvement

  • Why other methods might have not been satisfying to you.
  • Why this method will work for you, even if other methods have not worked for you.
  • How you can complement this method with other methods to force them to benefit you.
  • How you will have a complete experience in life improvement.
  • How your life will be quality intensive.
  • How you will benefit in all areas of your life: family, job, social, sexually, romantic, love, marriage, friends, neighbors, studies, exercising, physical, spiritual, emotional, acquaintances, peers, pets, kids, spouse, holistic well being, household, housekeeping, community affairs, government, behavior changing, business, speed reading, self-improvement, financially, non-profits, as a volunteer, etc…
  • How to force all other methods to work for you by using this method.
  • How to help your loved-ones to improve their lives, too.
  • How to help your community to a better quality of life in general.  You will benefit personally, too.
  • How to help yourself as a self-realized human being.

This is just a sampling.  There’s much more.  And this is why this method of total life-improvement techniques is being offered to you on a completely risk-free basis.  This is The Real Way To Your Life-Improvement System.   It really changes your life to the best.

Stop Getting Unsatisfactory Results With Other Self-Improvement Techniques, And Start Real And Practical Life-Improvements In Your Life!

  • It is estimated that self-improvement adepts spend hundreds of dollars on books, trainings, seminars, cassettes, cd’s, psychologists, counselors, and many other similar products and services.
  • The sad part of this is that many of these people don’t obtain satisfactory results.
  • The other part is not that these products and services don’t work.  It is that they have the missing “link” to successful results.  That “something” that is missing.
  • Now you can stop wasting your valuable time and hard-earned money on self-improvement material that bring unsatisfactory results!
  • Now you will have real satisfactory results!

And this is why I’m offering you my satisfactory way to obtain self and life improvement on a completely risk-free basis.  It’s called the “Think Right Now” Program.  It will lead you effortlessly to a right way of thinking now that will force the best behavior changes in you internally that will bring the best of you externally.

And if you have never taken a self-improvement or life-improvement course or have never read a book on the subject, this is your best and most practical way to begin with.  You will save hundreds of dollars and hundreds of hours of insatisfaction from other methods.

This is a “Program” because you will own every detail from probably hundred of years of accumulated knowledge of the people researched to bring to life this system.  Years of living and seeing other people live this condition, condensed into a step-by-step, easy to understand format that you can absorb into reality.  You will own a complete life-changing life-improving system.  Basically, a life-saving program.

With this life-changing system, believe me, you’ll save hundreds of dollars and hours in your self-improvement quest.  But just as important, you’ll have the satisfaction of knowing you’ll never again have an unsatisfactory self/life-improvement experience.  For the rest of your life.  You will have the power and advantage over self- and life-improvement training.

You might not believe the power you will gain with this system.  And this system is not available in bookstores.  By using the techniques you’ll have a powerful life-improvement system in your hands.

The Guide To The System

You cannot get rid of stressful situations in your life, nobody can, but you can surely beat out of your life the sickening effects they have over you.  Your life will be healthier and this will benefit your family, romantic and job life.  If you are student, your grades will improve.  You will feel more at ease anywhere.  You might feel as though a miracle had happened in your life.

The Guide To The System: “Accelerated Success Course“, is packed full of ways you need to target your stressful life and make your life more at ease and with great well being. You will benefit from the simple steps you will take following this Guide and audio exercise routine.  This process will become a second nature in your life.

Your subconscious mind will be doing the process by itself after your daily practice sessions.

The Life Improvement System

These life improvement techniques involve several behavior changing processes to ease the way in a step by step habit forming procedure, thus, more than a guide or process it is a System.

It includes a Guide and a selection of audio cd’s or software that you can choose from depending on your personal condition.  That’s why we call it a Life Improvement System.

The best news of all: you arrived here just in time to take advantage of an unprecedented offer.

Don’t believe that this system will work for you?

Succeed even where you’ve failed repeatedly

Since you might be skeptical I will make you an offer that you will love!

Even though I have been in this business for over twenty (20) years, I want you to feel absolutely certain there’s no way you can “get taken”.  After all, I’m a respected consultant and my reputation is on the line.

This is the offer: get the Guide: Accelerated Success Course for FREE!

That’s right, not a typo.  Because you’re entrusting me with your time and confidence, I want you to keep this course FREE which you will receive by e-mail: one class a day for six days.  An intensive 6-day e-mail class on making lasting emotional and behavioral changes in your life that you haven’t been able to make on your own.

So go ahead and send for the many years worth of life-improvement ways.  Read them, use them, and make your life better from them.  If you find that by using this System your life does not improve to your satisfaction, you have nothing to lose.  You will have a lot to gain.

After following this intensive course, you’ll decide if you want the audio or software tools that will make behavior changing more effortless.  Friend, that’s a guarantee gain no matter what you decide!  And, if you decide to have the audio and/or software tools, they have a money back if not satisfied guarantee, too!  You always win.

Get your Free course now: Think Right Course

Test the system for yourself…  Once you have used these strategies in yourself, I’m confident you’ll NEVER want to send it back!

I know you will send me a note telling me how happy you are with the System.  But, if you aren’t satisfied for any reason, or it doesn’t live up to your expectations, you won’t be out one red cent.

This System Is Yours In Just Minutes

If you request it on the form, our system will e-mail you the first lesson in minutes, so you can start learning and applying these life-improvement ways within minutes.  When you finish or at any time during the course, you can decide to own the complete Life-Improving System.

Get your Free course now: Think Right Course

Get Free details on the audio and software tools.

If you want or need more assurance that this System really works, get Free, too, the 322 page book: Today Is Your Day To Win,(Click the link).

I look forward to getting a letter from you telling me about your life-improvement success and on how your life has changed to the best.  Even though I get an enormous amount of email, please write me.  I’d love to hear your success story!

This message brought to you by:  Mike Brescia.

P.S: Remember, I guarantee that if you use the Complete Life-Improvement System (Think Right Now) you will really have a way to change your life to the best.  And being Free the course Guide, you have nothing to lose to try it now!

P.S.S: Get your Free course now:

 

Get your Free Bonus Now!
The best-selling book Today Is Your Day To Win
by Mike Brescia

Your Name:

Your E-mail :

Are Natural Foods Really Safe To Eat?

Are you safe eating natural foods?

Are “Health Foods” really free of chemicals?

At present, we are living a “processed” life.  Everything we do, eat, wear, think is in some way processed.

One of the most highly processed things in our lives is food.

And there are intense debates on this issue.

One of the issues here is how processed food has damaged our body and mind.

Obesity, diabetes, heart failures, laziness, mental discapacities, congenital conditions, senility, and many other health conditions are attributed to what we eat.

Processed food manufacturers invest millions of dollars convincing us that we should eat their products.  They present research results that proof that their products aren’t damaging.

In the USA, they use the FDA (Federal Drug Administration) as a proof of their statements.

But how reliable are the people in the FDA?   If some of them have interests with those corporations.

On the other side we have the organic food manufacturers.   They too invest millions of dollars promoting their “healthy food” products.

The problem with natural products is costs.

That’s the magical word: “natural”.

They say that processed foods are chemically treated.  And that chemicals are harmful to the body.

Well, they have to process natural foods without those chemicals.  Most of those chemicals are preservatives.  They make products last longer, easing transportation to faraway places.

Natural food producers try to use other non harmful ways to transport their products, but it costs more to do this.   This makes natural products expensive and less people buy them, even if they are healthier.  Less sales, production costs more.

At present time, people are more conscious about their health and are turning to natural products, this will make these products more price accessible.

What we in reality have to watch out are what chemicals we are letting in our bodies and systems.   Because our bodies and organs do need all kinds of chemicals: water, air, vitamins, minerals, protein, etc.   We get our needed chemicals through eating, and others through absorption, like the sunlight for vitamin D.

Basically, we need to take care of what we eat.   Organic proponents consider that all natural products are safe since they don’t have chemicals.   In reality, they should make clear that what they mean is that natural products don’t have “harmful” chemicals.

And we have to be very careful of what natural chemicals we consume.  Even if they are safe for consuming.  For example, iron is a metal that our body needs, hemoglobin, but in excess it is a poison.

And we need some combinations of nutrients, vitamins and minerals for them to benefit our bodies.  For example: we need Vitamin D to process Vitamin A, and we need Vitamin A to process Calcium.  That’s why milk is fortified with Vitamins A and D.

And excess of Vitamin A is toxic to our bodies.   And our bodies expels excessive Vitamin C.  That means that we shouldn’t take more than a 100 % of Vitamin A, because it would damage our bodies, and we shouldn’t take more than a 100 % of Vitamin C, because it would be a waste, our bodies gets rid of the excess.

The best thing is to visit a physician, and through laboratory tests, reach a diagnose if we need any chemicals.   Probably, our body isn’t getting enough of some kind of Vitamin or has some kind of metal or mineral deficiency.  Let a medical doctor help you determine that.   Don’t auto medicate yourself or another person or animal.  You might be doing more damage than good.

I would recommend a physician that has training in both areas: traditional medicine and alternative medicine.  Alternative medicine is that area of medicine that studies natural medicines, treatments and procedures.

Remember: chemicals are chemicals no matter how you get to them: natural or artificially.   And chemicals, even natural ones, can have adverse reactions in your body or when mixed with other chemicals, even natural ones.

For example, most weight reduction formulas produce tachycardia, even natural remedies.   I hear many sellers of these products assuring you, that since their products are natural you don’t have to worry about side effects.  That they themselves are using it.   Well many people drink alcohol in excess, does that make it safe if they tell you that you can drink alcohol because they drink it?

One great problem that food producers have is on how they will get it to the hands of consumers, especially in the big cities, from the farms that harvest them.

Usually, what is done is that these products, meat, fruits, and vegetables, are commercially treated to resist pests, freezing, hard weather, transportation, longevity, long shelve life, handling, avoiding spoiling, and avoid to rotten, keep tastes, resist plagues, look fresh, presentable, ripen (specially bananas and tomatoes), preservation and conservation (some are waxed).  All these processes require the use of some kind of human made chemical.  And these chemicals are what “organic food producers” argue that are not fit for human consumption.

Although the FDA have authorized their use, it doesn’t mean that they won’t have an accumulative damaging effect in human and animal beings.

When here we can add the transgenic crops, genetically engineered seeds and plants to be high volume producers, plague resistant, profitable.  The famous GMO’s: genetically modified organisms: plants and animals.

Most people when talking about “natural” products think in terms of vegetarians, or health food fads, fresh or non-chemically produced organic fruit and vegetables.   But, animals are included in the natural foods issues, too.

In relation to animals we have to be aware how the animal was produced, fed, raised and slaughtered.   It is not the same a cow’s milk fed from chemically processed animal food, and the milk from a cow that was from a grass-fed farm.   And that that grass hasn’t been treated with residual chemicals.   The same goes for the meat.    Is the meat in your table processed with hormones, animals in a wide open farm or from a limited animal movement barn.  Eggs are in the same boat.  Eat eggs produced from naturally fed hens.  These naturally produced foods, vegetables and meats, cost more, but they are worth their price in health gaining and maintaining.

Supposedly, animals raised for fast food chains are highly chemically and movement restricted.   You are raising a meat mass not an animal.

Fruits and vegetables that are imported for supermarkets have to be intensively chemically treated to avoid perishing of them.

That’s why the one great obstacle that health food, organic, and natural food producers have is costs!

It is intensively expensive to produce healthy foods.

Since it is tried not to use human produced chemicals, preservation of these foods is very limited.  It must reach its consumer market fast.  Special care must be taken in the process from the picking of the fruit or vegetable from the plant up to delivering it to the final consumer.

Transportation, conservation, keeping it fresh, avoiding plagues, producing it healthy and tasteful, etc.   All these processes are very expensive.

This makes the prices of health foods to be sometime out of the reach of many people.   Many people would have less illnesses or even none using these products, but they can’t afford them.  Medicines are covered with many health insurance companies, and most old age people have Social Security Medicare and Medicaid, that cover the medicines and treatments they have to go through because of the processed foods they have to eat because they are cheaper than the healthier versions, which are not covered by any health insurance plan.

Back to our initial two questions:

Are you safe eating natural foods?     Yes, you are.

Are health foods really free of chemicals?   No, they aren’t.  They are chemicals themselves.

What you have to keep in mine is that being “natural”  necessarily mean chemicals “safe” to consume.

And if you are thinking or considering on using a natural product for the treatment of any health condition, you should first visit your health care professional.  If the physician has had training in alternative or natural medicine, the better.

Don’t self-treat yourself, you can be doing more harm to yourself or to a loved one.  Only a laboratory test can inform if you have any kind of vitamin, mineral, protein, or other deficiency.

If you live in a city, where producing your own fruits and vegetables could to be difficult, know that there are systems where you can produce your own even in an apartment.

Raising animals in an apartment could be more difficult if not impossible.  You could have health concerns, building or city regulations prohibiting it.

There are many controversies against and pro the issues presented here.   But you can decide based on your inner feelings.    The nearest we can get to nature, the most healthier has to be the product.

Your friend,

Antonios

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Some the links here might go to an affiliate website offering a product or service.  I might receive some kind of compensation if someone gets something on those links.

Your Success Is Our Priority

Welcome to Your Improvement Site!

Where your Success Is Our Priority!

We strive to help you improve your wholistic life in all aspects

Here you will find information, products and services that will improve your life:
Financially, personal, health, wealth, emotionally, spiritually, professionally, business, culturally, socially, community, and other additional areas.  We strive to help for your success in all of them.

Most of the offers are completely FREE, others have a FREE trial, some have a risk FREE trial, and a few others offer you a risk FREE Guarantee.

We invite you to look at all the offers presented here, you will find one or more that will help you improve one or more areas of your life:

Note:

To the best of our knowledge these are legitimate offers.  Of course, we always recommend that you always check out all companies that you do business with on this site and on any other site,  online and offline.

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You can get a loan even if you have bad credit

One of the fastest way to get things is by borrowing money to buy them.

And, if you are in an emergency need of money, a loan is your best option.

If you shop around you will find a diversity of types of loans.  Personal loans, mortgages, credit cards, pawnshops, auto loans, etc.  These loans can be approved at different interests.  If you have bad credit, you can still get the loan you need.  You will probably get one with different interest rates. Friends, relatives and neighbors could be sources of  borrowed money, but for some people this could be embarrassing.

There is a type of loan that is fast, easy and usually paperless.  Most don’t have a credit verification requirement. No credit check.  These loans are called payday loans, paycheck loans, cash advance.  They are mostly known as payday loans, because that is what they are usually meant to mean.

You have an emergency need for cash because something unexpected happened in your life and you need the money fast.  Past due bills, utilities bills, student loan past due, auto repair, home repair, medical bills, insufficient funds in your checking account, unexpected illness, etc…

Your nearest bank or financial institution won’t lend you the money, or they are closed at that time that you need the money.  You won’t receive your paycheck until a few days or for the next couple of weeks.  You don’t want to ask for a pay advance to your employer.  The solution to your problem?: A PayDay Loan.

That is, you ask for a loan with the promise that you will pay it back on your next payday.  You could go to a pawnshop, but probably they have specific working hours, you don’t want people to see you going there, or they usually ask for some kind of collateral, like jewelry, tv, or a car, that you don’t have or don’t want to part from.

Some payday lenders have a physical presence in several cities, but most are now offering their services online.  That is a lot of commodity for the borrower.  You can apply online 24 hours a day, 7 days a week, in the privacy of your home.  The process is fast, confidential, in secure webpages, nobody has to know about your application.  And these applications are free.

Depending on the payday lender  there are some minimum requirements.  Most have to do with age, income, source of income, time working with your income source.  Since approved loans are deposited directly to your bank account, you will need a bank account, mostly a checking account.  You make payments directly from your bank account, too.

Payday lenders are in the business of helping people with immediate cash needs until their next paycheck, since the loan is for a very short time, interests are higher so that, as is natural and accepted, Lenders can make them affordable.  And since there is no credit requirement and no material collateral these loans are riskier than other forms of loans.

PayDay Lenders usually don’t require credit checks, but they do have income, credit card and check bouncing history checks.  If a borrower has a history of check bouncing or credit card problems, they will probably have to present other documents to be approved for a loan.  This service is usually provided by a third party like Teletrak.  If you have a damaged credit history, and/or have had a bounced check or credit charge back, or only a few in a time span, you could be a good borrower for a payday loan.

Since these are payday loans, lenders expect to be paid on the borrowers next payday.  This includes principal and interests.  If for some reason, the borrower can not pay by his next paycheck, he has to ask for an extension.  But has to pay at least the interests.  Most lenders can give extensions up to a maximum of six (6) months.  Interests only payments can be accepted usually up to three payments, from then on the borrower has to pay principal until the full loan is paid in six months total time.

If you as a borrower can manage wisely your debts, a payday loan could help you.  If a borrower can’t manage wisely his/her debts a Credit Counseling Service agency should be sought.  Your bank can help you to locate your nearest office.

PayDay Loans can help you take a second breath in a cash emergency, but it should not be abused.

Honest and legitimate payday lenders don’t charge for applying for their loans.  The whole process is free: free application and free consultation.   If a lender asks you for an advance fee, before approving your loan, it is probably a scam, fraud or rip off.

Some loan information services will ask for a fee, but they are selling you a list of lenders and information on how you can increase your probabilities of getting a loan.  But they state this before you purchase their information.  They are not lenders, they will send you a list of lenders with contact details and their minimum requirements.  Before you pay you know what you are paying for.  Definitely, don’t pay if the offer is to approve you a loan.  Legitimate lenders don’t ask for fees before a loan is approved.

 

WARNING!

We have offered you this information on payday loans, but in reality, you should avoid using these services.  Their interests are huge, it could be up to 60% per month!  Their collateral is your checking account.  Most  require that you have direct deposit so that they can withdraw your payments from those deposits.

In our present economy almost everybody is in a financial mess, and getting into a payday loan could get things worst.

If possible stay away from these loans, use it only if you are in an extreme financial “temporary” situation and you know that you can pay it back, interests and capital, with your next pay day check.

Sincerely,

Antonios

 

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