Payday loans are prevalent among people who need instant access to cash without having to go through a credit check. To secure a payday loan, you just need to show identification, proof of steady pay and your bank account details. Payday loans are given for small amounts such as $500, and you are required to make the loan repayment when you receive your next paycheck. You must also pay the interest at the same time. Although payday loans are easily available, they pose a few disadvantages as listed below. In most cases, payday lenders set up traps so that borrowers end up taking more loans from them. It is therefore pertinent to exercise caution and restraint while making payday loans.
Repeat short term borrowing
The ease of availability of payday loans can put you through a never-ending cycle of taking loans. It is therefore advised that you resort to payday loans only in the event of an emergency. In an event when you can’t pay back a loan, your lender may offer you to take another loan for an additional fee. According to a study by Consumer Financial Protection Bureau (CFPB), four out of five people end up borrowing twice from their lenders within a month. Most of them borrow at least ten payday loans in a row. This further puts you in bad debts.
High-interest rates
Initially, the interest may seem to be reasonable. For instance, a $30 interest on a $100 loan doesn’t look very high, but if you look at it in-depth, it is 782.15% APR. Thus, resulting in borrowers feeling trapped in debts.
Loan default
If a borrower is unable to repay the loan or take an additional loan for repayment, they may have their funds withdrawn from their bank accounts, their government funds withheld and their purchases repossessed. They may even be subjected to harassment by debt collectors. According to CFPB, close to 20% of people who have taken no credit payday loans have gone through this.
Released back in 2011, Nintendo 3DS holds a great place in every Nintendo gamer’s heart and still continues to do so. Nintendo Switch might be the current flagship product of Nintendo, but the 3DS is still a great console which has a lot to offer. Individuals can now get great deals and discounts on the price of the Nintendo 3DS during sales; this can also be availed for the Nintendo 3DS XL, which is a larger version of the classic 3DS. There are also many stores that offer the Nintendo 3DS XL bundle at discounted rates.
The 3DS takes gaming to the next level as compared to its predecessor 2DS by offering a touch-screen gaming experience with a 3D display. All the Nintendo classic titles like Mario Kart 8, Zelda, and Pokémon have been remastered to work with the 3DS. One thing that can, however, annoy a 3DS owner is the absence of a charging adapter which goes even for the XL version.
If you’re looking to buy the Nintendo 3DS, some of the popular deals have been listed below:
Amazon
Amazon offers the Nintendo 3DS for a whopping of around $139.99. The product includes the console, stylus, and power adapter. Amazon offers the console in different colors like aqua, flame red, cosmos black, and even purple. One can even exchange their console to get a better deal for the 3DS. Nintendo 3DS XL, however, is sold at around $174.86.
eBay
eBay offers good Nintendo 3DS XL bundle offers as well. One of the offers includes a Nintendo 3DS XL galaxy-style bundle which has a 1GB storage disc with 5 pre-installed games and one of them includes the top-selling Pokémon. The bundle is priced at around $155 which is an absolute hit among gamers who are trying to own a Nintendo 3DS XL console for the first time.
GameStop
GameStop also has some great deals on Nintendo 3DS XL bundle packs. The galaxy-style bundle packs offered by Nintendo is priced at around $199 at GameStop. The Red version of the same console is also priced at around $199. Although none of the consoles come with a charging adapter, it’s still a great buy.
NewEgg
NewEgg offers the Pikachu edition of Nintendo 3DS XL; it is a great deal for Pokémon lovers. The console body is yellow in color with the image of Pikachu on it. This Nintendo 3DS console is priced at around $233.24 at NewEgg.
It is important to respect the origin and unique characteristics of natural wood when you think of buying any kind of reclaimed wooden furniture. Reclaimed wooden furniture is in itself a lifestyle statement. It is something to be treasured for its raw beauty and value.
Reclaimed wood table legs, sleek dining tables, and other such times are some of the best ways to beautify and decorate your home. Here are a few things that you should know about reclaimed wooden furniture:
New and old make a good match
Don’t hesitate to try reclaimed wooden furniture, especially if you also have modern décor and furnishings in your house. Modern furniture items, interspersed with reclaimed, rustic pieces like reclaimed wood table legs, clean-lined casegoods, sleek dining tables, or simple beds not only look aesthetically pleasing but also bring warmth to the entire space.
It is eco-friendly
A huge plus of reclaimed wooden furniture is that it is eco-friendly. By choosing reclaimed furniture, you are helping the environment save itself as there is no new logging. Not only does it beautify the place, but it also prevents the need to cut more trees. Plus reclaimed wood does not usually need chemically charged paints—which have many negative impacts on the environment—to look appealing.
It is different and beautiful
Because reclaimed wood has weathered over the years, it gives a unique look that you do not usually see in newer wood. It is always better and recommended to appreciate the differences of every piece of reclaimed wood before purchasing it. Wooden grains, pitting marks, knots, small patches, mineral deposits, and small nail holes are some of the few characteristics that set reclaimed wooden furniture apart.
It is full of character
Old wood is strong and durable. Reclaimed wooden furniture has character, and it cannot be imitated. Furniture made from reclaimed wood becomes the topic of conversation wherever it is placed.
These are some things to know about reclaimed wood furniture. It has natural coloring and doesn’t conform to any specific design.
If you have a good budget and you want to buy a smartphone, here are the cheapest smartphones and a range of the best smartphone deals. Every year over a billion smartphones are sold, hence the competition gets so high that the smartphone deals that you will get today will not be similar to the previous day deals. There are many smartphone discounts in stores that sell electronic items. There is no dire need to buy a very expensive phone because most of the efficient work is done by a normal smartphone as well. You can look for the 10 best smartphone deals online that will also include Samsung smartphone offers.
OnePlus 6
Priced lesser than Google Pixel 2, this is a flagship smartphone that has an extremely good processor and compact dual lens camera with a large screen and great display. Priced at $530, this phone is one of the best smartphones of 2017. With a 20MP camera and fingerprint sensor, this phone can shoot slow-motion videos with high clarity and amazing light. With a Qualcomm processor offering more RAM this 6.28-inch phone offers faster connectivity and great range.
iPhone SE
This phone is the smaller version of the iPhone 6S with similar specifications. It costs only around $350 and is an amazing bargain among the best smartphone deals. It has a 2GB RAM and an A9 processor similar to 6S. It has a 12MP camera that takes brilliant looking pictures. It has all the features like Siri, NFC, Apple Pay and Touch ID.
HTC U11 Life
This phone has an amazing design and a great performance with water resistance and Bluetooth 5.0. With a budget of $350, you can get one of the sturdy and best looking smartphones on deals. It performs really well and has a 32GB storage and a 3GB RAM that accelerates the performance of the phone. It is a colorful phone and has digital assistants to assist you. The accessibility to Amazon Alexa, Google Assistant, HTC’s Sense companion are all a great add-on to the smartphone at the price. It has a 16MP camera on the front, 2600mAh battery which is not much when compared to other phones but can get your work done easily for a day. It is a 5.2-inch phone with a great LCD display as well.