5 Tips on How to Be Ethical when You Pick Out a Puppy

You are walking down the street on a bright sunny day. This is the kind of day that allows the tourist industry to market your region to those with a more northerly abode. In fact, it’s September and the thermometer still reads 95F.

While you are enjoying your walk to the corner store you come across another pedestrian with their dog in tow. Their pet is rather large, being it’s a St. Bernard, so you are obliged to yield the right of way to the mass of fur before you. Pleasantries are exchanged, while you patiently navigate this minor inconvenience, wherein the dog owner extolls their love for their furry friend but still finds opportunity to make reference to the overwhelming amount space the creature takes up in their apartment. You retort with something like, “Yeah, I can imagine!” and continue on your errand.

Did you really just imagine that scene? A huge dog, with a ton of fur, in a tiny apartment. What must that be like? Can the dog be happy? Can the owner? This premise leads to other thoughts that would imply the overall condition. The ethics of the person can be fulfilled when there will be availability of a fantastic read at the blogs. The owner of the house should select the best breed for the house. The reading of the blogs will be beneficial to gather information about the pets and different breeds. The ethics should be followed carefully through the person. 

That is a St. Bernard, a breed created for northern climates, not 95 degree Septembers. That owner, who professed their affection for the animal, probably has a job so they can afford to feed the object of that affection. This must leave the creature to fend for itself for hours at a time in that aforementioned tiny apartment. The breeder who manipulated the Saint Bernard into the work animal it is focused on creating a dog with mass, strength, and a resilience to the cold, not a pet that would be suitable for a Florida efficiency apartment.

Dog breeders are specialists at the art of accentuating the traits people want in an effort to make their product as marketable as possible. There are breeds of pets that are so mutated they can’t drink water without it going up their snouts. Some have so much excessive fur that they have to be cleaned manually after they defecate. To make matters worse, some animals are subject to conditions so far removed from the environment that they were bred to live in, that they will have to tolerate 110 degree temperatures through four inches of fur!

The conflict is glaring to anyone who would give it even a moment of thought. How can anyone say they love a Saint Bernard or Husky, then force it to endure climates that will melt asphalt, or leave it in a space that cannot accept an animal of their energy or mass for hours every day?

People often pick out puppies entirely for their own pleasure. They don’t often consider what quality of life they can offer the animal. They can somehow still profess their undying love for their apartment hostage even though their choice of companionship was based on purely selfish reasons.

If you are in the market for a new puppy, try considering what its life will be like in your custody. Puppy ownership is a responsibility. Your puppy will bring you unconditional love and companionship, and hopefully you will give some thought as to how you can reciprocate. Choose an animal that suits your personality and environment. If you don’t have time to spend with an animal right now, then it may be wise to wait until sometime in the future when you do. Avoid supporting puppy mills, unethical breeds, and the breeders that promote them. If people keep making money for breeding animals that are intentionally handicapped for the sake of novelty, there will never be an end to it.

Tips to remember:  Be sure you can handle the responsibility of puppy ownership (maybe try keeping a plant alive first)    Pick a breed that will thrive in your environment (ie. house, apartment, and climate)    Puppies get lonely too so wait till you have time to spend with it before getting one.    Avoid breeds that are overly manipulated as a novelty.    Avoid unethical breeders. (this can be tricky, just pay attention to details like cleanliness, health of the puppy and its’ parents, number of litters currently on hand, use referrals from friends, ask about a warranty on the animals health*.)

*Any ethical breeder will have an ongoing concern for the puppies health and will want to maintain their good reputation for producing healthy puppies. They are more aware of the puppy mill problem than anyone else so they should be doing their best to avoid being classified as one themselves.

How to Keep a Dog at Home

I see that there is an increasing amount of people that seem to have trouble keeping their house pets from bolting into the street and getting run over. Would you believe me if I told you there was a way to keep your dog at home without needing to keep them locked in the house, on a leash, or put in a fenced yard? I do realize there are laws to keep a dog on a leash or in a kennel, and I’m not asking you to break any laws, but this method also helps to keep dogs content to stay on the leash and in their kennel. However, the method I use to make my dog choose to stay home is no quick fix-it pill and it takes more dedication than just remembering to take your dog for a walk everyday. Are you up for it?

My practice ring is my home in the country, but location is not important in order to use this method because even country dogs have a tendency to disappear on their owners when let out of the kennel. My dogs don’t have a kennel and yet they stay home. Here’s the trick-you must bond with your dog. You may already know what this means, but let me explain the type of bonding I mean.

Your dog needs leadership, lines of right and wrong. Dogs are sensitive to different types of punishment and reward. My dogs have always been very sensitive to verbal commands. Say, for example, they won’t come to me. I lower my voice and let my anger come through. My dog instantly will stop what he is doing and creep over to me with his head and tail down, and after he comes to me I let him sit and think about it. Then I still refuse to pet him as I tell him to follow. After a little bit I will call him to me again and if he comes promptly, I praise him and pet him in all his favorite spots as if all is forgiven. Thus, he learns the punishment for not coming when I call and the reward for coming. Play around with your dog. Do their favorite things for their reward, make them feel guilty as punishment. Don’t ever get soft-hearted and let them get away, just once, for disobeying you; it could mean the difference between calling them away from a moving car and getting them run over.

The next and last part of my method for making your dog want to stay home is simply-attention. It’s great to take your dog for a walk once a day. It gives them and you exercise and that may be all you can manage. But in order to make them want to stay home all the time you must take time to be with them. If you see here, you will realize the importance of spending some time with your dog. Surely, he or she will appreciate a walk in the afternoon. You should make time to plate with your pet. My dogs have no fences but love to stay home because they never know when I will come out to give them treats, play with them, or just come out to check on them. It doesn’t take much, only five minutes every few hours, but they want to be sure they are there when I come out. I have a full-time job, so I only see my dogs two hours in the mornings and four hours in the evenings, but I make it up to them on the weekends by giving them as much attention as I can. They are content, feel loved, and make a choice not to leave home.

The Bavarian Mountain Dog Breed

The Bavarian Mountain Dog is a breed of dog known for its skills in overcoming large patches of terrain in Bavaria. Being from German, this dog is one of the most popular breeds for German hunters and has a great sense of smell to track down any prey that might be afoot. These mountain dogs are most popular in Germany, meaning they are rarely heard of anywhere else in the world.

Origin

These dogs have been known to be n Germany since the late 6th century. Used by farmers to help herd their cattle and flocks, Bavarian Mountain dogs also were strong enough to uphold small carts and drag them to a horse to be attached. They were also used by royalty for hunting purposes, to which they would track down pheasant and other game for their hunter masters. Today, they still have this purpose as well as being a friendly noble companion.

Appearance

With soft short fur and a usually tanned coloring, these hounds have a typical floppy eared look of their dog type. They have black around their short muzzles and droopy tired looking eyes. They are quite muscular for their medium size and can weigh up to fifty pounds. Their tails hang down low to the ground unless they are excited and their legs are sturdy and long. Their chest is well developed and exudes the strength they have used for centuries.

Temperament

Being courageous is one of the traits this dog shares with other hound dogs. They have this trait because of their fearless actions when it comes to hunting and tracking prey down. They are quite agile since their legs are long, a difference from the French Bassets. They are loyal and are always ready to please their master with whatever they bring back to them. As a companion dog, they enjoy the company of their family and children and always need to be in the same room with them.

Grooming and Health

Grooming is a snap since their coat is so short, they need to be groomed at least once a month to stop the little shedding they can produce. Health wise they can live as long as fourteen years and needs plenty of exercise. This dog is not suited for the city, and needs to live in a rural area with plenty of space to run freely. This will stop a lot of joint problems he can get in his senior years.

To learn more about this breed of dog, their behaviors, the proper ways of taking good care of them, things you should do, things you should not do and even the food they are allowed to eat, you can click site for more information.

Bavarian Mountain dogs are a dog most often seen in Germany for hunting reasons. Although they are a great pet, they need a big space so they can feel as if they are home in the wild.

Brushing Your Dog’s Teeth

75% of dogs over age 3 suffer from periodontal disease. This is an irreversible condition that can lead to loss of teeth, abscesses, and other painful conditions such as bone loss and plain old tooth decay. Nobody wants that for their dog, but for owners on a budget, taking the dog to the vet for a cleaning every six months simply is not an option. Fortunately, there are several steps you can take to prevent these issues to begin with.

Brush Your Dogs Teeth

I spent a total of $10 setting my dog up for a lifetime of good oral hygiene when I purchased my dog ClearQuest Dental Gel (a toothpaste I highly recommend both as a dog groomer and dog owner) and a dog toothbrush made by ProDental. Never use human toothpaste on your dog. Not only is the fluoride bad for him, the foaming action can make a ridiculous mess.

Start off slow. If your dog has never had his teeth brushed before, jamming a brush into his mouth and scrubbing away might not be the best introduction. Get him used to the taste of the toothpaste first by letting him lick it off your finger, or if he needs more incentive place some on a crunchy treat and offer it to him.

You can also get him used to the idea of having his mouth handled by rubbing his muzzle, lifting his lips, and massaging his gums with your fingers before introducing the brush. When your dog seems comfortable having his mouth handled, place a pea-sized amount of toothpaste on your dog’s toothbrush and gently brush from back to front on both sides of your dog’s mouth.

For best results, you should brush your dog’s teeth daily, although weekly will still give positives results. Always try to make tooth brushing a positive experience for your dog. Even if you can’t brush your dogs teeth right away, a few positive sessions with you may be enough to change your dogs mind. Next step that you may also consider to know the proper way of brushing your dog’s teeth is through online tutorials. Aside from consulting with vet, you can also check some tips online. As a responsible pet owner, you need to know what’s best for your pet.

If you can’t brush your dogs teeth

If your dog simply won’t allow you to brush his teeth, there are still several options open regarding your dog’s oral health. First, many groom shops offer tooth brushing for a minimal fee of $5-$10. Many times dogs will allow strangers to brush their teeth, but not their actual owners. This is also common with nail trimming and a few other aspects of dog care. If the groomer can’t brush your dogs teeth either, be sure to have a vet check to make sure your dog isn’t simply reacting to pain. (See: When the vet is necessary.)

Another option if you can’t brush your dog’s teeth is to get a water additive such as AquaDent Water Additive. Be sure to check the bottle to make sure the label says it reduces plaque. Some water additives are simply scented to cover up the smell of your dogs breath!

When you should go to the vet

Before beginning any at home oral hygiene routine, visually inspect your dog’s teeth and gums. If you see sparkling white teeth and healthy looking gums, you’re on the right track to successful oral hygiene. If your dog has some yellowing, you may already be seeing gum disease. If you notice very bad breath, excessively red gums, thick tartar build up, loose teeth or obvious pain, your dog may need tooth cleaning, or possibly even some teeth extracted. Don’t delay in taking your dog to the vet if you see any of these issues. Your dog may be in a great deal of pain.

You can prevent your dog from ever having to have a professional cleaning by starting tooth brushing early, and supplementing your dog with plenty of chew toys to help massage gums and scrape teeth in between your own efforts. Have your vet look at your dogs teeth each time they go in for their vaccines to make sure you’re dog’s oral hygiene is adequate, and that his gums and teeth are as fresh and clean as possible.

Beazer Homes Homebuilder

Beazer Homes homebuilder background

The remarkable Beazer Homes homebuilder is a homebuilding firm based in the United States of America and is listed in the Fortune 500 list of companies. The headquarters of this firm are based in Atlanta, the capital of Georgia. Beazer Homes homebuilder stands among the top 10 homebuilders in the country and this rating is depending on the total figure of houses closed on. The operations of this are going on in different geographical locations within the United States and Beazer Homes homebuilder is into home construction in over 16 states in the US. The homes designed by Beazer Homes homebuilder are said to be quite appealing to many homebuyers across the US since it offers homes to suit various budgets. 

Beazer Homes homebuilder construction and sales

Beazer Homes homebuilder is into construction as well as the sale of most homes for single-family occupancy. Along with providing homebuilding services, Beazer Homes homebuilder also provides customers with house mortgage options that are channeled through the subsidiary of the firm called Beazer Mortgage Corporation. Beazer Homes homebuilder was awarded with many prizes in the two consecutive years of 2006 and 2007. These awards were won during the different ‘Parade of Homes’ events in many states across the country.

The awards are merely a statement that Beazer homes are one of the best builders in the United States and every new home builder in PA aspires to become like them, which is a testimony of their skills.

Beazer Homes homebuilder styles and designs

Beazer Homes homebuilder as a construction firm offers a wide variety of services like designing, construction, and selling of homes that range from single- family houses to multi- family homes in almost 20 states of the United States of America. Beazer Homes homebuilder has a wide range of offers for different categories of buyers like move-up, entry-level, retirement oriented buyers as well as those who want luxury homes. This firm has been functioning in the real estate sector since the year 1985.

Beazer Homes homebuilder top ten home builder in the US

Since the year 1994, Beazer Homes was included as part of the New York Stock Exchange (NYSE). Being one of the top ten-homebuilding firms of the United States, this firm has expanded very widely into the market. Beazer Homes homebuilder is now covering almost 40 markets that spread over Central, Midwest, Mid-Atlantic, West and Southeast regions of the United States. The firm is also a national sponsor of non-profit nationwide program called HomeAid America. The Beazer Homes homebuilder is also a member of the Public Home Builders of America, which is a non-profit association that aims at elevating the standards of business customs relating to the homebuilding firms.

Beazer Homes homebuilder loan-lending and development

The firm also works in association with one of the important home loan-lending firms, called Countrywide, in order to help its customers to sort out their finances while they are in the process of buying a house. Beazer Homes homebuilder also offers services for community development where many homes are constructed with complete facilities in noteworthy communities like Rancho Cordova, Beazer Capitol Village, and the Communities of Glenmont Estates. The wide range of services that Beazer Homes homebuilder offers in the homebuilding sector has made it one of the business giants in the field of specialization.

Beazer Homes homebuilder has plenty of reason why it should be on the list of top ten homebuilders in the United States, and everyday they are working hard to keep up their standards and improve the quality of the homes they build.

Things You Should Consider Before Buying a Weight Loss Pill

If your like a lot of overweight people your looking for anyway you can to lose weight fast. There are quite a few people that turn to weight loss pills. Sometimes referred to as diet pills. Sometimes diet pills can work for you but you need to take some precautions before using them.

If its your first time using diet pills to lose weight there are some important points you need to consider. These points will help you and make it easier when deciding which diet pills to buy and use. As well as make the experience a safer one. Lets outline some key points in determining which diet pills to use.

One thing you need to consider when choosing a diet pill is the cost of the pills. There are a lot of diet pills on the market that have considerably high costs attached to them. Thankfully diet pills range widely in price from cheap to very expensive. Remember that expensive diet pills don’t always mean they are the best or rather best for you. You can find diet pills that cost as little as twenty five dollars in some stores. Some though can sell upwards of hundreds on dollars. If the price is a factor for you though you can always check out more natural ways to lose your weight.

Next you should look who makes the diet pill. You need to be aware of the companies history in making diet pills. Check out if they are a well established company that has a history of selling diet pills. Also make sure to check and see if the company has a not so good reputation for their diet pills. You can find a lot of free consumer reports online that will aid you in finding out more about diet pills and their respective companies. You need to find a company that has a long and good standing reputation in making and selling diet pills.

Once you have found a couple of diet pills you would like to try you need to again take a closer look. Certain diet pills work for some people and not for others. Make sure you find a diet pill that has a proven track record in working for a majority of people that take them. This will save you a lot of time and money. It will also save time in losing the weight itself. Again you can find free reviews on the internet to aid you.

You might also want to check out the ingredients of the diet pill before you choose one. You need to know if you will have any allergic reactions to the pill. An allergic reaction to a diet pill can be very dangerous. Consult with your doctor about any possible side affects or allergic reactions if your unsure about it. You could also do a individual internet search for each ingredient of the diet pill to get a better understanding of what’s in the diet pill.

Weight loss pills, or diet pills, are a great way to lose weight. Though you should always be aware of what your taking. Becoming more aware about the pills will make the experience much more rewarding and more successful.

Pills have a dubious reputation of having grave side effects that are more dangerous than the problem itself so therefore, it is better to try out protein supplements after consulting the doctor or gym trainer because they are the experts at the job and would recommend something useful for shedding those extra kilos like leptitox reviews, which would help you understand the product better.

What Are The Essential Facts To Know About Computer Repairs & Its Importance?

Computer is an electronic device which is known as commonly operated machine which is used for trading, e-commerce as well as research engines. For considering records, listening music, storing data, playing games, searching information, we all need a computer. This is a gadget which can be access for multi-purpose work. With the use of computer there are several services which help in repairing the internal defects of the computer. This device also needs repair and maintenance because it is an electronic gadget which requires time to time care. There are lots of situations in which you found a defect or any problem in your computer. More often these problems can be resolved because there are lots of website for computer service.

It is highly beneficial to go through computer repair services as well as applications because it helps in maintaining computer as well as repairing it. You can easily choose the service because there are lots of options and services available. One of the most complex things to be considered in choosing the right service for repairing computers. It is important because you can’t call a virus repair service if your computer have problem in hardware. These are the crucial aspects and one need to go through each term wisely. 

Now, in the lower section you will be going to read about some essential facts to know about computer repair and its importance so that you can consider the right and appropriate website for computer service.

Some essential facts to know about computer repairs & its importance:

There are various website for computer service and it is important to choose the right computer repair service so that you will get satisfactory results.

  • One of the most important things one needs to consider is acknowledging the defect and problem in your computer system. It is important so that you can manage all the things wisely and pick the right computer repair service. You don’t need to directly pick the service. Firstly examine what the problem in your computer is. It is important because it will help you to choose the right service for repairing your computer.
  • It would be beneficial for you to ask from a professional and experienced person because they will help you to resolve the issue as well as helps in finding the right computer service. All these things are very important because it will help you to go through the right and best option.
  • Make sure that the computer repair service which you have chosen doesn’t imbalance your budget. As a reason, there are several computer repair services which are little bit expensive. It is your duty to examine the computer repair service which comes under your budget as well as helps you to repair the defect in your computer. If you choose an expensive computer repair service than it will resolve your problem but somehow it will also in-balance your budget. 
  • It is important for you to go through the service which will give you warranty on their service. It means that within a short period of time if you again found any defect in your computer than you can again repair it from the same service without giving any money. It is highly crucial to consider this aspect because it will become beneficial for you to save your expenses on repairing computer. 
  • When you are choosing a computer repair service, than it is beneficial for you to check all the reviews as well as feedbacks so that you can choose the service wisely. It is beneficial because feedbacks and review sections help a lot in considering the statement of other individuals who have chosen this computer repair service. According to a research more than 92% of the individual go through the review section because it helps them to pick the right service according to their need and requirement.
  • Check their previous records so that you can talk with them and consider whether you wanted to choose the service or not. As by doing this you will get a rough idea for choosing the computer repair services.
  • All these things are considered so that an individual can choose the right website for computer service as well as application. With the help of this information and feedbacks you will surely get best results and ways to repair your computer. 

Last words,

In the above section I have mentioned all the useful and essential information regarding the facts to know about computer repairs & its importance. If you will wisely accommodate all these things then within some time you will be able to get the best results and outputs by choosing the appropriate computer repair service. May the above listed information will be beneficial for you to acknowledge all the things. 

What’s for Dinner?

Would you like to know what is for dinner each night for an entire month? It is easy to accomplish with this meal organizer that simply adheres to your refrigerator with a couple of magnets. Once completed, you will have a quick reference on your fridge that displays your meal for the night.

Items you will need for this project include:

  • Computer access with word processor and printer
  • 3 pieces of coordinating Cardstock; two neutral and one with print of your choice
  • Scissors
  • 4 magnets
  • Velcro, cut to the appropriate size
  • Access to a laminating machine

To begin, grab a piece of scratch paper and a pen and start brainstorming a list of all the meals you eat. For example, Tacos, Pizza, Spaghetti, Chicken  amp; Dumplings, Lasagna, Potato Bar, Soup, Grilled Cheese Sandwiches, etc… You will need to come up with at least 35 meals that you eat on a regular basis. After you have come up with the requisite number of meals, you can begin to make your chart.

Your chart can be made in any word processor, for example Microsoft Word or Open Office Writer. The chart can also be made by hand and without the use of a computer. If you are making it by hand, you’ll need 3 pieces of coordinating 8 ½” by 11″ cardstock paper, a pen or marker, and a ruler.

For your menu setup, create a new table that has seven columns for each day of the week, and four rows for each week of the month. You will have a total of 28 empty cells in your table. Above each column, label the day of the week beginning with Sunday and ending with Saturday.

SUN MON TUES WED THUR FRI SAT

Adjust the row height to be ½” tall or high enough to fit each meal idea into the cell. Once your table is created, you will want to print it out. It looks nice to print it onto a neutral piece of cardstock. Once you have your finished table, you will need to adhere it to a coordinating piece of cardstock. This piece of paper should be your printed paper of choice. You can use a floral print, stripes, or anything that matches your kitchen décor. Your table should take the top half of your coordinating sheet. Use glue dots or double sided tape to adhere your chart. This entire sheet, when completed, will be laminated. Once laminated, place small squares of looped Velcro with an adhesive-back into the center of each cell. Turn your chart over, and place a magnet in each corner of your sheet.

In the word processor, type up each meal idea that you brainstormed. Also, include the following categories: Date Night, Leftovers, Breakfast, Eat Out, Dad Cooks, Crockpot, Raid the Fridge, Fast Food, New Recipe, or any others that apply to your situation. Make each meal and category the appropriate size to fit into your cell height, and leave enough room around the words so you can cut them out. Once you have your list, print it out on a neutral piece of cardstock and proceed to cut them out. Each meal idea and category will need to be laminated. Once laminated, place small squares of hooked Velcro with an adhesive-back onto the center of each cut out.

When planning your month of meals, simply place the meal idea into the day of the week you would like to make it. Fill each of the 28 cells with meal ideas, and adhere your extra meal ideas to the bottom half of your menu chart sheet. Rotate them as you would like, or leave them the same each month and you will always know what’s for dinner on the third Tuesday of the month. This chart will be a time saver for when you need to go grocery shopping. Enjoy this simple, and quick reference in your kitchen for many years to come.

Help Your Kids Avoid Student Loan Defaults

As a parent, I am torn between encouraging my kids to follow their dreams and tempering those dreams with a dose of reality. I want them to believe in themselves, and to chase whatever rainbows they seek while they are young, but as they grow into adulthood I want them to get real about where those rainbows lead. I don’t just mean that I want them to realize at some point that their chances of becoming fairy princesses or legendary heroes are slim. I want them to enter adulthood with realistic expectations, following dreams that will provide them with happy and successful lives while leaving them unburdened with decades worth of debt.

Too much debt

Pretty much everyone agrees that the United States has a student loan problem, although some stop short of calling it a crisis. While people are split on how to handle the issue, there is no denying that skyrocketing higher education costs combined with increased student loan debt need to be addressed.

Personally, I plan to deal with the student loan crisis at home. My husband and I both took out student loans when we were in college, but we paid them in full without ever trying to duck our debt. I expect no less from our kids if they should happen to use loans to finance their education.

Parents, train your children

The parents of today’s debtors are as much to blame for the student loan problems as anyone else. They allowed their children to grow up believing that they could be anything and do anything they wanted, but without ever telling them that some dreams are cost prohibitive.

In story after story about the student loan crisis, cases of students owing $100,000 or more are cited. Many of these students hold degrees that they can’t even use, or degrees which hold such low earning potential that the chances of ever paying off such staggering debt is extremely low. Parents of these students let their kids grow up chasing dreams headlong into massive debt, and it’s caught up with them.

How to avoid big debt

The best way to avoid big student loan debt is to raise the next generations of children differently. We have to get smart about debt as parents, and let our children know that no matter what the family desires, if the debt load is too high, the answer is no. This applies to everything from the latest gadgets and trendiest clothes to the most prestigious universities.

When it comes to student loans, we need to teach our children early to be honest with themselves. Do the math, and help them see how long it would take to pay off a student loan if their loftiest career aspirations don’t pan out. Research the earning potential of different degrees and career paths, and help them make wise decisions so they don’t spend the next few decades in debt. Help your children find degrees that are marketable and still offer the rewards and challenges they seek.

Better solutions start at home

There are many alternatives to running up large amounts of student loan debt. Your child may choose to go to school at a smaller, state university rather than a large out-of-state private school. Or they may choose a degree that will increase their upfront earning potential. If your child does not earn scholarships or grants to pay for school, they may choose to go part time while working, so that they are not saddled with so much debt when the graduate.

All of these decisions should be made early, some of them during your child’s junior year in high school. Therefore, it is not too early to start talking about options for avoiding student loan debt as early as middle school. If your kids understand it is a priority that they live happy and successful lives, unburdened by debt, they will be more likely to make smart choices when they start college. And that’s not just good for them, it’s good for the country.

A Beginner’s Guide to PayDay Loans

Pictures this, your car just broke down and you need $300 to get it out of the shop. What do you do if you don’t have any money set aside, poor credit and you can’t go without a car until you get your next pay check? Well, a payday loan is one possible solution, but you should know what you are getting into.

Not a Long Term Solution

Payday loan companies have wording in their contracts that states that a payday loan is a short term financial solution and not intended to be a long term debt solution. The disclaimer is required by law. The reason is because the longer you have your payday loan; the more you’ll pay in interest.

Extremely High Interest Rates

Interest rates for payday loans are roughly between $15 – $30 or more per term for every one hundred dollars you borrow. A term is defined by the amount of time between pay periods. Policies for the time frame between when you first take out your loan and when your first payment is due varies between companies.

Pay More than the Interest

Payday loans can become a vicious cycle for some people. If they get their next paycheck and all they can pay is the interest payment due, then the loan rolls over and continues to accrue interest. If you can’t pay the loan in full, at least pay more than the interest so that your principal goes down. As you pay down the principal loan, the interest rate drops as well.

Don’t Get Trapped

Even though most states have laws that limit how long a payday loan can be renewed, payday loan companies have ways of working around these laws. They may only allow you to pay the minimum interest payment for 3 months before you have to pay off the entire loan, but you can go in with your full paycheck and pay off the loan. After that they will give you a new loan on the spot; which is the same as making an interest only payment.

Never Double Up

If a pay day loan customer has trouble paying the minimal interest payment, he or she may borrow money from another payday loan company in order to make the payment. Well, unless you can borrow enough to pay off your first loan in full, then next pay period you’ll have two payday loans due instead of one. Even if you can borrow enough to pay off the first loan, you’ll end up paying more on the newer loan because it’ll likely be higher than your original loan was.

If you let them, payday loans can continue for years and you end up paying a small fortune in interest. You can also potentially get yourself in way over your head financially if you take out multiple payday loans. Payday loans should be used for emergencies only and, just as the name suggests, you should try your best not to keep any payday loan longer than one pay period.