Payday Loans – The Omnipresent Money Source

There is perhaps a microscopic minority of American citizens who are oblivious of the term ‘Payday Loan’ then again – perhaps not.A payday loan is the most trusted source of cash for an average American. It is so simple to get one of these loans that anyone can walk into a payday loan centre and avail of valuable service.Anyone with a valid checking account into which their salary is being credited for the past two months at least can apply for a loan. This also means that the applicant has to be over 18 years of age given that he or she has a job – and yes the applicant for the loan also has to be a legal resident of the US.How Does One Get A Payday Loan?Well, in order to get a payday loan, one must be eligible in the first place. Being eligible means to be eighteen years of age and above, hold a regular paying job, be a legal resident of the States and have a valid checking account. If you fit these basic criteria you are almost there. I mean, your loan is almost guaranteed. Now, all you need to do is to search out a payday loan company and walk in, phone in, apply online or through fax for your loan.What Is The Application Process?The application process for a loan is perhaps the simplest applications of any loan (not counting the arm-twisting tactics you’ve used on best pals in the past when you needed some extra dough, though!)Just fill in a simple one-page form, providing your employers phone number along with your bank statement that reflects your monthly salary. Then sign a form authorizing the payday loan company to deduct the amount along with the additional charges from your checking account on the next payday. The loan company will process your loan application and you will get the loan amount into your bank account the next working day. It is as simple as that!! You never have to go back to them again to collect or repay the loan.Do They Trust Me?They don’t. They are giving you what is known as an ‘unsecured loan.’ This is why they charge you an interest of as much as 35 percent of the loan for the loan period. This amount is even higher in some cases. This is also a reason a payday loan company does not require any credit history.If a person is not careful about paying up the loan by the next payday, the payday loan will roll over into the next month and the interest along with late fees will apply. This can take the total repayment to nearly 200 percent of the loan value.Online Verification Speeds Up The Loan ProcessPayday loan companies use a process called online processing through software shared by banks and all financial and loan companies. It does not take them much time to verify if your documents are fake or genuine.When you apply for a loan the first time from a company it may take as much as 72 hours to get your loan processed.However, every subsequent time, and given that you have a clear repayment history, you may get your loan the very same day. This will open up many avenues of applications to you. You will be able to apply for a loan through fax, phone, online web site application or if you want, you could physically walk into the loan company and get your loan over the counter.So, now that weekend getaway, dorm party or the new set of snow tires you’ve been putting off for a cash-crunch needn’t pull you down anymore – these are just a few scenarios where loans have proved to be perfect ways of tiding over sluggish economic times for many people just like you and me!

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An Academic Degree in Business Management

In a capitalist world, where decisions of one country’s economy affect the market economy of others, the importance of business management does not need an introduction. In today’s fast-paced world, young graduates need to be well versed with the shades of the management so that they can keep for themselves an upper hand in the era of the cut-throat competition.Management can be done in both graduation and post graduation level, in many respective fields such as:- Marketing
- Finance
- HR or Human Resource
- Information Technology
- International Business
- Retail Management
- Operational Management
- EntrepreneurshipImportance of business managementIn a corporate world, business management involves activities such as conceptualization, direction, buying, traffic management, stock planning and control, process scheduling and control, process methods and planning, quality management, stock management and production planning and a lot more than these.Business, today, not only caters to our needs but also has got integrated into our daily lives and lifestyle by shaping our desires. One who can manage business is sure to get placed well in the world where commerce drives almost all other disciplines. Management hence is the upcoming and the most interesting field of study which has a dynamic scope for growth.Career growth in business managementProfessionals with a degree in business management gain a lot of demand in the market due to their unmatched skills and knowledge. They not only get a desirable and lucrative salary but, also an identity in the industry.Many universities today focus to offer specialized post graduate degree courses in business management. These courses have become the most sought after courses due to their vast expanse over the market, huge opportunities of jobs and their high potential to train young minds on how to escalate up the social ladder of success.An academic degree in management becomes an asset and is important to possess for anyone who wants a rewarding career in their business field.

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Top Online Universities – What Are They?

Education right from school to college and universities are going through a major change. Keeping in the mind the requirement of working men and women for higher education, more and more schools in the US are gearing for online courses and programs. Top schools like Cornell and Harvard also offer online education.

If you are working and want to pursue a bachelor, associate, or master’s degree in a particular subject then you can choose the relevant programs offered by top online universities. One of the salient points of studying online is that you can work and continue your studies simultaneously. There are many people who are working 9-to-5 and studying through online courses in the night for an MBA degree. What this will really do is boost your career growth by offering you plenty of opportunities.

Here’s a question: If two people appeared for a job position and person A had an MBA degree while person B had 5 years of experience and MBA degree, who do you think will get the job. The answer is person B. So you can very well imagine how much online education will help in providing you with better career opportunities. But the fact still remains that you will have to pursue it from top online universities and not just any online school to derive maximum benefit.

Here is a list of the 10 top online universities in the US

1. Nova Southeastern University: Is also known as NSU and it was officially started in 1964. It is considered as one of the top online universities in the US and is ranked as the seventh largest non-profit university in the US as well. NSU has whopping alumni of 103,000 students and is situated in a sprawling 300-acre campus in Fort Lauderdale-Davie. Nova Southeastern University offers quite a few online programs like Computer Information Systems, Business Administration, Education – Child Development, Early Childhood Education (A.A.), Entrepreneurship, Elementary Education, Health Science, International Business Administration, Human Resource Management, and Nursing, Psychology.

2. Regent University: Regent University is one of the top online universities in the US and was started by Dr. M.G. “Pat” Robertson in 1978. The Regent University online offers fully accredited program that can be compared to a great extent with their on-campus programs. Apart from this, students of online courses will also be able to access their online library.

3. Champlain College: Champlain College is regarded as an educational pioneer since 1878. The college is responsible for introducing new fields of study like Computer and digital forensics and Game Design. The online programs offered by the Champlain College are quite diverse and include Business Management as well. Champlain College is accredited by the New England Association of Schools and Colleges, Inc..

Apart from the three top online universities, some of the other universities include:

4. Upper Iowa University
5. LeTourneau University
6. Liberty University
7. Grand Canyon University
8. Dickinson State University
9. Western Governors University
10. Salem International University


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