In these difficult times, payday loans can be tremendously helpful to people who cannot meet their short term expenses. Moreover, they offer a reasonable and practical solution for serious emergencies. And perhaps, most important of all, they are easier to get than most other types of loans.Some Dangers to Consider when Taking a Payday LoanDespite these benefits however, short term loans do have their flaws and dangers. For starters, people who rely too much on them can easily end up accumulating a large amount of debt. Likewise, short term credits tend to have higher interest rates than most other types of credits, so they are more expensive to pay back. They are considered the most high-risk.This article will help you sort out these issues, and to provide you with some idea on what payday credits have to offer, how they can benefit you and also how they can turn into a financial liability.The Benefits of Payday LoansOne of the best things about payday credits is the convenience. You can get around $500 to $1000 in cash within 24 hours of your credit application. In fact, the application process is what’s great about short term loans. No matter how bad your credit history may be, you are still qualified to get a short term loan. The only requirement lenders will ask for is proof that you have a job or a source of income. Once that has been confirmed, you will get the credit that you want.Aside from the lenient requirements, it’s also worth pointing out that short term loans are ideal for emergencies, and not just when you run out of funds. The fact that you can get payday loans approved within 24 hours means that you can use it to pay for medical emergencies or automobile or other sorts of accidents.It’s also worth mentioning that the paperwork for payday loans is relatively easy to do. You will be required to provide your name, address, your bank account and, of course, your present source of income or job details. After you have provided all the necessary information, you can expect the credit to be deposited into your bank account within 24 hours.The Disadvantages of Payday LoansWhen it comes to credits, there’s always a catch, and payday loans are no exception. The biggest disadvantage of short term credit is that they only come in small amounts. At best, you can only get $1,000 for a single loan, and this is not nearly enough to cover serious medical emergencies or accidents.The most debated disadvantage, depending on how you look at this type of finance, is that the people that take out this type of finance cannot really manage their money as it is. So having more financial outgoings for the next month can be a disaster waiting to happen, and quite often does if you read the newspapers and forums.Another problem is that payday loans must be paid back quickly. In most cases, you will only get around two weeks to pay your payday credit. Failure to do so can adversely affect your credit rating. And although you have the option to ask for an extension, it will cost you a much larger amount than what you originally owed to the lender.And finally, you have to remember that payday credits have high interest rates. In fact, it’s not an exaggeration to say that some credits will require an entire paycheck to pay back. So if you are going to opt for a payday credit, you need to make sure that you can pay it back quickly, otherwise it can become a serious problem.
The Pros and Cons of Getting Payday Loans
Bridge the Employment Gap
When you are seeking employment, there are a number of different criteria that you need to meet in order to even be considered for a job. There are a few factors that may affect whether or not you get the job that you want, but the most important of these is your employment history. What employers like to see is a nice clean history with consistent work experience. If you don’t have that consistent work experience then you are going to have a serious problem.Why are you required to have that consistent experience? The biggest reason is that it shows an employer you don’t have a habit of leaving jobs and that you have a good work ethic. The employer wants someone that will not only stick with the job, but that will also work their hardest at the job. It is widely believed that someone with employment gaps simply cannot meet the standard.In this economic climate, it can sometimes be very difficult to NOT have employment gaps, especially considering the sheer lack of jobs out there. So how do you avoid gaps in employment history? Let’s look at a few of the ways that you can try.First off, you should never leave any job unless you have another one lined up. This is very important. Even if the conditions at your job are terrible by your standards, always make sure that you look for other employment first. On top of that, employers will also be more likely to hire you if they see you currently have a job. This shows them that you have a good work ethic and are capable of holding down a job.Always put in your two weeks’ notice. Though this may have little to do with Employment Gaps, it does determine whether you will actually get hired. If you need to quit your job, make sure that you give them plenty of notice so they’ll be able to get someone else during the standard two weeks. If a potential employer calls your last job, you want them to say that you put in your notice, because if you failed to them you probably will not get hired unless you have a very good reason.When looking for a career some people are going to have actual employment gaps. Face it, people make mistakes, and luckily, there is a way to fix it. You can submit your information to a professional resume writer. These writers are great at making your employment gaps look good. It’s going to cost you a bit of money, but it’s worth it if you get the job that you want in the end.You can also consider doing some volunteer work. Though you won’t get paid for this, you can put it on your resume and most employers will count it as work history. There are many different things that you can do to bridge the gap, including working part time. If you do have gaps, it’s not going to easy, but with a lot of time, patience, and work, you can push through and get the job of your dreams. It all depends on how much you want it, and how much you’re willing to work for it.
Importance of Mental Health Among Youth
Mental health is not merely the absence of mental illness, but it also the ability to cope with the challenges in life. Mental health is as important as physical health to everybody. Youths usually experiment with attitudes, appearances, and behaviors. Most of their experiments are harmless, but some experiments may have terrible results. Children and youths experience mental health problem such as stress, anxiety, harassment, family problems, depression, learning disability, etc. Serious mental health problems, such as self-injurious behaviors and suicide, are increasing among youth.
A good mental health is essential for leading a good life. Youth cannot succeed in academic and personal life effectively if they are struggling with a mental health problem, such as depression or unsteady feeling due to academic, social or family pressures.Failure to detect youth’s mental health problem may result in negative consequences such as increased risk for academic failure, social isolation, unsafe sexual behavior, drug and alcohol abuse, suicide attempt, unemployment, and poor health. A recent report says, The rising rates of mental and emotional problems among U.S. children and youngsters signal a crisis for the country.Depression, anxiety, attention deficit, conduct disorders, suicidal thinking, and other serious psychological problems are striking more and more children and youths. Conservative estimates say one in every ten children and adolescents now suffers from mental illness severe enough to cause impairment.” Even if detected earlier, unfortunately many children and youth do not receive the help they need. Some reports are there that most children and youth who need a mental health evaluation do not receive services and that the rates of use of mental health services are also low.
Parents and adults must take care of the youth’s mental health. The parents and adults must talk with the youth, be a good role models to them, advice them to choose good friends, and monitor their activities.There is a growing and unmet need for mental health services for children and youth. Mental health services are important for student’s and youth’s success. Prevention programs help in early identification of mental health problems in youth. These programs provide education on mental health issues, violence prevention, social skills training, harassment prevention, suicide prevention, conflict resolution, and screening for emotional and behavioral problems. The Family Guide Web sites are designed for parents and other adults to emphasize the importance of family, promote mental health, and help prevent underage use of alcohol, tobacco, and illegal drugs.Good mental health is very important for youth’s success. In order to emphasize the importance of mental health in youth, the following steps can be taken: Create awareness of child and youth mental health issues; provide a comprehensive guide for effective and meaningful youth meetings for organizations and professionals; and Conduct programs to generate awareness about youth’s mental health in each communities. Awareness about the importance of mental health issues among youth equally important to other physical issues, such as heart disease, AIDS, cancer, etc. Local and state health officials must draw more attention to the importance of mental health treatment of affected children and youths.Attention to youth’s mental health will more effectively improve their life standard. This also positively impacts their academic and personal life achievements. The families, society and youths benefit only when mental health problems in youths are identified and prevented earlier.