There comes a time in peoples’ lives, whether they like it or not, where in there will be a need to get a loan. Not everybody is born with a silver spoon in mouth and it is an experience that everybody is bound to do at some point of their existence. One can never predict when he will need the extra money. A special occasion may come up that needs immediate cash but payday isn’t around the corner just yet. A loved one may need special attention but insurance will not cover all the expenses. There are a multitude of reasons where one will need the immediate cash and whether we like it or not, one will need to find a bank or a direct lender payday loans where they can get cash from.Getting a loan can be as easy as going to a lender and signing up. One can chose to get a direct lender payday loan where they can get a short-term cash advance until their next payday. This type of loan is automatically paid or deducted from their paycheck come payday. These are for unexpected needs for money, be it a gift for a loved one, or even utility bill that needs to be paid.There are some prerequisites for getting that much needed money though. One can’t just barge into a bank and ask for a million dollar loan without proving one’s financial capacity first. Proving one’s financial capacity is simple if you have the right requirements and documents in hand. One must currently have a job or at least must receive a regular source of income. A lender will most likely not qualify you if you do not have the capacity to pay them back. Having a steady paying job will get you that much needed money. One must at least have a bank account. Be it savings or checking account, it must have a direct deposit option so that the lender can send the money to you. This also gives them the peace of mind that since you have a bank, you can’t just simply run away from them.Before going into any type of loan though, one needs to check the terms and conditions of the contract that one is signing in to. Here is a checklist of the things that you need to consider when choosing payday loans online:- Many payday loans are satisfied with a paycheck and a proof of a job.
- Financial history is important.
- Better make sure that that history is clean as a whistle before applying for anything. A bad credit rating can lead to one not getting that desired loan.Before jumping into any kind of contract, you should consider the following:Check the rates and terms. One cannot be too careful. A lender might offer a free application fee but will bite you can come payment time with the high rates that it puts on top of the loan.A lender’s reputation should always be checked as well. Always go to institutions that have a high satisfaction rate. Always do some research on the direct lender payday loans that you plan to work with.Check their website and ready About Us and FAQ Page. It would certainly not hurt to check their testimonials page. Try to look for reviews on the lender online. Get first hand experiences from friends or co-workers that have dealt with them. He or she might be signing in a deal with a loan shark that has very high fees and penalty charges. Better check the fine print before going into any type of loan.As always, be smart with your money. Before going into any kind of deal, read the fine print. Before going to a lender to apply, make sure you have all your documents and requirements prepared. Before jumping into any kind of loan, make sure you will be able to pay it back. As the old saying goes, never count your chickens they hatch. It could have been that impromptu spending binge that got one into the need to get a loan. Be smart, be frugal, be careful, be wiser with your money, and it might save you that trip to the much dreaded lender.
The Role of an Employment Law Solicitor
The following article examines the role of an Employment Law Solicitor, the type of work they undertake and the circumstances under which they are needed. History Employment Law came into force in Britain during the industrial revolution of the 19th Century. The rise of industrialism meant that workers were increasingly being asked to work longer hours and this led to disputes between factory workers and their employees. As these disputes frequently remained unresolved, LAws covering Employment were introduced in order to protect the interests of workers and ensure that they were not exploited. Employment Law Solicitors came into play as a result of these new laws, in order to fight the case for both employers and employees on employment cases going through the courts. What is an Employment Law Solicitor?This type of Solicitor is a legal professional who has been specially trained to deal with issues relating to the legal rights of workers and their employers.What Does an Employment Law Solicitor Do?Typically, a Solicitor who specialised in employment will be involved with cases which involve the following aspects of law in the workplace:Contracts Of Employment – Employment laws state that worker rights and obligations should be outlined in their contract. This should include details of what the worker’s normal duties will comprise of, their wage entitlement, holiday entitlement and required notice period. Where there are disputes over these issues, an appropriate solicitor will be tasked with resolving the situation.Staff Handbooks – Employers often need to update staff handbooks as technology or working practices change, or roles within the company change. An Employment Law Solicitor can make sure that all staff documentation is legal.Company Policies -Companies need to make sure that their Disability policies are up to date, and that they are legal. Discriminating against workers or potential workers accidentally because of a poorly written, or out of date policy is still discrimination, and can be disastrous for the company concerned. Health And Safety – Health and safety is one of the one of the biggest pressures on the modern employer. By law, employers have a responsibility to ensure that their staff have a clean and safe environment to work in. If this is not the case, then companies run the risk of legal action from employees, as facilitated by an Employment Law Solicitor. Discrimination – Solicitors as often called in to deal with cases involving discrimination on the grounds of age, race, sexual orientation or disability. As an employee or an employer, you have rights, and your contracts, staff handbooks, policies and more need to be up to date and legal. Why not see how an Employment Law Solicitor can help you today?
What Is The Big, Fat Health And Fitness Lie?
Kevin: Good evening, everyone. So Craig, you’ve been in the fitness industry for over 26 years and with that, I imagine comes a bit of wisdom. Why don’t you start with your story and how you’ve gotten to where you are now?Craig: Sure Kevin. Well, first of all, I started out in the fitness industry as a personal trainer making $3.50 an hour.Kevin: Wow.Craig: So I’ve been in it for awhile and I grew through the ranks in the fitness industry to the executive level. I was the president of two of the largest fitness organizations in the United States. I was the Executive Vice President of Sales and Marketing for the largest chain of fitness clubs in the world operating in 11 countries. I also successfully owned and operated my own fitness company. I’ve visited 30 countries and evaluated health and fitness trends all over Russia, Asia, Europe. I’ve been to dozens of fitness conventions, purchased millions of dollars worth of equipment, supplements and other health and fitness related products and I’ve also had the ability to train thousands of health and fitness professionals around the world and help them to help other people improve their lives. So this really kind of led me to where I am today, which is to where I just got to the point where I want to do something more and that’s why I wrote my book The Big Fat Healthy Fitness Lie and founded the Fit Advocate website so that I could create a platform to protect and enhance the lives and health and fitness consumers.Kevin: Now you just mentioned your book, The Big Fat Health and Fitness Lie which I absolutely love. What is the big fat fitness lie. Let’s just lay it on the table.Craig: Why mince words? Let’s dig right in. The lie is that there are these billion dollar industries out there getting richer while we get sicker and fatter and with all the so-called solutions available for losing weight and improving our health, we are literally in the worse shape in the history of modern civilization. There’s big profit in sickness and in fatness, and a lot of times people question that and they think, “Oh, well we live in the United States, we’re in great health and we have the best health care system” which is a complete fallacy. Here’s an interesting fact that people should be aware of, we’re approaching some 300 million people in the U.S. and we have every year 200 million diseases that are diagnosed for conditions that could be prevented with simple lifestyle changes.Kevin: Wow.Craig: And we spend in the United States, 270 billion dollars on 3.7 billion prescriptions written to, not to cure anything because there’s really very few cures in modern medicine, medicine is meant mostly to mask our symptoms. So taking into our bodies a lot of toxic chemicals and you know there’s so much confusion out there and misinformation about health and fitness. So there’s a huge opportunity, unfortunately, for people to make big money on the lack of knowledge that people have about how to lose weight, improve their health, get in shape and live better. So millions of people are out there paying thousands of dollars that have no chance of helping them achieve their goal and that’s really the big fat lie.Kevin: And let me just ask you this, you’ve been on the other side, you’ve been a part of the industry that is making a lot of money in the fitness clubs and the organizations and everything. When did you suddenly say, “Hey, you know, maybe I need to educate people about this.”Craig: Well, first of all I never felt that the club industry was a bad industry.Kevin: Okay.Craig: And in my book I still am a big proponent of joining a fitness center for the average person, there are, of course, some caveat of how to get a quality club. I have an article on the ten worst tricks for the fitness industry. So I try to expose the things that I think are bad but there’s also a lot of good too, but what I did notice while I was operating all of these clubs and trying to help people is that I would talk to thousands of consumers, face to face. For a big part of my career, my job was to get out there and help, work with people in the field, club operators, managers, sales people, fitness staff members, personal trainers, to talk to them about how to help people make decisions that are good for them and the guiding principle, of course was always don’t focus on making money, focus on helping people and you will make money as a natural result, as a natural bi-produce of helping people. That’s always been one of my guiding principles, but in speaking with all these consumers, you find that the average person spends thousands and thousands of dollars on products and services that have no chance of helping them. They spend hours and hours of wasted time on information that will never help them improve their health or change their lives. So I got tired, frustrated and really kind of outraged at all of the quick fix solutions that are out there that people jump from one to the other and without really understanding the true cause of why they’re in such poor health. So I wanted to try to educate them on all of the things, the lies the deceptions while also trying to give them simple solutions for how to improve their health, how to lose weight, how to get in shape, how to live better, how to feel better with no tricks and no gimmicks for the rest of their lives. That’s really what the big fat health and fitness lie is all about and that’s really what the Fit Advocate website is all about.Kevin: And you take a different approach in your book as opposed to a lot of the other books that I’ve read about health and fitness and it’s related to addiction. You say addiction feeds this whole lie. What do you mean by this?Craig: Well, many people live a self-inflicted toxic lifestyle that destroys their health and feeds this lie. So what do I mean by that? Well, the definition of toxic, first of all, is poison and in our society we are surrounded by poisons, in our air, it’s in our water, some of them we can’t avoid and many of them we can, however. A lot of these poisons, they’re not going to kill us today, but instead what they do is they slowly and quietly deteriorate and destroy our health.There’s two specific types of poisons or toxins that I talk about that create these health problems. The first, of course is chemical exposures. There are thousands of untested chemical combinations in our food supply to improve taste, texture, color or to extend shelf life. There are low calorie, low carb foods laced with toxic sweeteners that has contributed to obesity and diabetes. We’ve been conditioned to believe that sodium fluoride, for example is good for our teeth. Yet it’s a known chemical waste bi-product of the aluminum and phosphate fertilizer industry. This chemical has been pumped into our water supply and put into our dental hygiene products for years but fluoridation has been flatly rejected by many developed countries because of the dangers and the lack of really any scientific evidence of any health benefit. Beyond that, we have toxic chemicals in our household products, our cleaning products, personal hygiene products. Fruits and vegetables have been treated with herbicides and pesticides. Chickens and cows are fed ground chicken and beef. Then pumped full of antibiotics to stave off disease from the horrific conditions in which they live and where they’re slaughtered. So we have all of those, you know, all of this chemical toxicity. That’s the first concern.The second is the biggest toxic exposure which is related to stress, and people don’t realize this but as much as 80% of all disease is the result of stress and having had the ability to travel all over the world and visit, you know, I believe I’ve been to over 40 countries now, you find that we in America are the most stressed out country on the planet. We work more than any other activity other than sleep. Just think about our normal lives, we wake up every day and we’re running on empty from morning to night. We’ve got the pressures at work, at home, the challenges sustaining some sort of happy relationship with our significant others. We’ve got the demands of the kids, trying to pay the bills. We have all of the negativity in the news. We’re all trying to live the American dream which is predicated on financial freedom, but the truth is only a fraction of people out there actually ever realize the American dream and the rest of us are simply trying to get by, and, you know, we’re buried in a mountain of debt. All of these things add up to a lot of worry and stress and to cope with this stress, what do we do? We drink, we smoke, we take drugs, we over eat, we eat the wrong foods and we spend hours in front of the television or surfing the internet. All of these activities, unfortunately make us fat, lazy and out of shape, and what happens is this poor health that’s created from this self addictive lifestyle creates, and opens the door for these big fat health and fitness lies. One of them is companies that market, manufacture and market and sale products that have no chance of helping us and then, of course, the worse thing is when we look to synthetic chemical compounds, prescription drugs, as the first line of defense to handle our self inflicted health problems. So we really have a lot of issues that we have to deal with in order to be healthy, but people need to understand the basis of where it starts, the cause.Kevin: Yes. How does someone take that sort of addiction or quote unquote addictive personality and turn that into fitness success?Craig: Well the first thing they have to do is identify it.Kevin: Yes.Craig: You have to realize it. Here’s, here’s a fact that’s pretty important that people should know about, the number one reason that people give for not exercising regularly is that they don’t have enough time, okay. Yet the average American watches four and a half hours of television a day. So there’s an issue there with priority and people have to understand that time is the most important and the most valuable thing that we have because once it’s gone you can’t get it back. If you want to improve your health, you have to make time to do all of the things that are necessary to improve and enhance your health and your life and it’s not just exercise but it is one of the key components. So they have to first understand the issues and then have the right motivation and set the right priorities to get them to where they need to be.