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When The Payday
Loan Is Denied

Most people who submit requests or applications for payday loans are approved that day and they receive the amount they borrowed the next day. This is because lenders demand only the minimum requirements. There are, however, a few instances when the loan application is denied. Here are ten reasons why a person's loan application is not approved.

1. The potential borrower is not holding a job. The payday loan is a loan against the wage that an employed person receives. Without employment there is no payday and no capacity to pay the loan.

2. The potential borrower has filed for bankruptcy during the year. While lenders do not check a person's credit history, they are concerned about the person's capacity to meet his financial obligations. A bankruptcy is a declaration that the person can no longer support himself financially. And one year is not sufficient time to recover from such a financial mess.

3. The potential borrower has been employed for less than the required number of months. Most payday lenders require a client to be holding his current job for at least six months. If a person has been employed only for five months and he needs a payday loan, he must search for a lender who will likely accept his present employment situation. There are a few lenders who require a client to be employed for at least three months.

4. The checking account of the potential borrower is relatively new. Payday lenders prefer clients who are fairly stable and a good indication of this financial stability is a checking account which is at least three months old.

5. The monthly net income of the potential borrower is less than the required income. The required income is, lets say $1,000. If a person receives less than this, the lenders will assume that he will not be able to pay any amount that he will borrow.

Impossible Is Just A Word

Often, we dream big dreams and have great aspirations. Unfortunately, our dreams remain just that - dreams. And our aspirations easily collect dust in our attic.

This is a sad turn of events in our life. Instead of experiencing exciting adventures in self actualization, we get caught up in the humdrum of living from day-to-day just barely existing.

But you know what? Life could be so much better, if only we learned to aim higher.

Tips

Trim Your Hair Regularly

You may think that this is counterproductive to hair growth, but, it can really help in speeding up it's growth. Trimming means that you cut only about a quarter to a half of an inch of your hair every six weeks or so. By doing this, you can prevent your hair from becoming dry and dull, as well as prevent split ends, which all hinder it's growth.

Choosing The Best Plants
For Your Garden

Before planting out, place your chosen plants around the garden bed in their pots to see how they will look. Re-arrange them until you are satisfied. Grouping plants in sets of threes or fives usually looks better than planting in groups of even numbers. Be sure that you have an interesting combination of colors and textures of plants. Tall plants should go to the back, or the centre if your garden will be viewed equally from all sides. Try to keep your plants away from trees. The roots of trees are fiercely competitive and will steal all the nutrients and moisture meant for your flowers.

Infidelity,-Spying-Is-NOT-Revenge

The quickest cleanest way to break free from the extramarital affair is to set your focus on you as you navigate your way through the difficult weeks and months.

The sooner the two of you can face each other, without outside input or influence, the better off you and the relationship will be.

There usually is no reason to share new found information about cheating husbands or cheating wives with family, friends, children or the spouse of the other person. A concern about sexually transmitted diseases or health risks might be an exception.

It's Just A Joke

Why do they serve yogurt at museums?

Because it's cultured.

Riddle Me This

Riddle: There was a man who was born before his father, killed his mother, and married his sister. Yet, there was nothing wrong with what he had done. Why?

Answer: His father was in front of him when he was born, therefore he was born before him. His mother died while giving birth to him. Finally, he grew up to be a minister and married his sister at her ceremony.

The Appeal Of Coffee Drinkers

If you drink coffee once a week, or maybe two to three times a week, or maybe you're like me and you drink coffee every day, by the way that would make you a coffee addict, then I'm sure we would all agree on this one statement. "We enjoy the taste of coffee." We appreciate a great cup of rich, aromatic, eye opening coffee. Humans have been enjoying the great taste of coffee for a thousand years so I believe this statement to be 100% accurate. If you disagree then you are probably not an avid coffee drinker.