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Living beyond their means

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You know, whenever I see one of those payday loans commercials on TV I often stop and wonder about the people that use the service.

Certainly it’s a great service if you only use it every once in a while because you have an emergency and either can’t access the money in your bank account or worse, don’t have any money in the bank because your waiting on your paycheck. I used the service once myself in a situation like this.

A long time ago when I used to work in the jewelry trade, before I started my own business, I got paid by paycheck. I’m fairly certain that banks are able to verify that the funds are available much quicker these days, but in the late 80’s and early 90’s banks usually held a paycheck for a few days until they could verify that the money was in the senders bank account.

If I remember correctly, I’d just been paid, but not having a bank balance if I put my check in the bank I’d have had to wait a few days for the money to clear in my account before I could use it and something came up where I needed money right away.

That’s how I came to use the Payday loan service my one and only time. I believe that as soon as I had money available to me through my bank account I went and paid back my payday loan.

As far as I’m concerned there’s nothing wrong with a service such as Payday Loans when they are used properly by people. I mean, I believe that Payday loans were created because people do need money for emergency expenses every now and then, just like I did when I used the service.

The problem that I see associated with Payday loans is more related to how people use them, rather than with the service itself.

We live in a society where people buy what they want when they want it, even if they don’t have the money for those purchases.

I know so many people, nurses and others who make decent money, that seem to live from paycheck to paycheck who use the Payday loan service regularly and also juggle their credit card payments too. Maxing out credit cards and then using one credit card to pay the other credit cards balance has becoming something I’ve seen people do more and more.

As I said most of the people that I know that do this are in fact making decent salaries. Yet their spending habits are out of control. In fact, due to their spending habits, and as a result of borrowing money so often, many of these people end up having bad credit ratings.

Yes, there are people who don’t make much money, who live on a budget, who use Payday loans when they require emergency funds because they don’t make enough to qualify for a traditional loan. I think the Payday loan service is great for those people if they use the service wisely, as in, only occasionally due to emergency and pay back the money they borrowed as soon as possible. Borrowing money and paying it back on time might even help some people develop decent credit rating.

Perhaps banks, credit card companies and services such as Payday Loans should get together and form a rehab style treatment plan for people who chronically overspend or who spend beyond their means?

I’m certainly not a tightwad. I have lots of fancy toys here – things that I don’t really need. However I’ve learned to purchase what I need when I need it, and budget for the things that I want.

There’s definitely a difference between needs and wants and society, with the media pushing goods at as every minute of the day, has forgotten that.

Realtors use House4Cell to instantly get info to interested buyers

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I’ve been asked to discuss an exciting new service that’s been made available to those who work in the real estate market. The name of the service, a nice play on words, is House4Cell. This service allows realtor’s to use mobile technology in order to market properties.

Those interested in a property will only have to text in a code that can easily be found on the “for sale” sign in front of a property and they’ll instantly get a message containing photos and information about the property.

As a homeowner, I think I would have liked having this technology available to me when I was searching for a home to purchase. As it was, when I did see a house that looked interesting I’d stop and write down the name of the realtor, as well as the website if it was listed and then go home and try to do some research on the internet. Now, however, if a realtor were using the House4Cell service I could get the information I wanted within a moment of texting the code into my cellphone.

There is a free demo of the service on the House4Cell website if you are interested in seeing how this new program works.

I’m sure this program will enable realtors to connect with interested buyers much more quickly and it might in fact increase their sales. As I said, when I was looking for a home to purchase I would have been happy to use such a service and I’m sure many of those who are reading this writeup would also find such a service to be helpful.

When a potential new client uses the text system to get information for a particular property, not only will they get information about the property and up to three photos, but they will also get fax numbers and email addresses so that they can request more information or perhaps even set up an appointment to view the property.

Realtors offering this service might actually get more leads to follow up on than their competitors who choose not to sign up with House4cell.

Plus, through this service you’ll be able to send “blast alerts” to homebuyers who have opted-in. Through these blast alerts you can let interested parties know of price-drops or other homes with similar features in the same area.

Inquiries can also be tracked online.

If you are a realtor think about checking out this new service. Rate plans start at $29.99 for three listings, which is only about $8 per property.

House4Cell is a sister company of Cellit Mobile Marketing. They make it easy for their clients to manage their mobile market campaigns.

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