Pride can be a huge deterrent when it comes to asking for help. Sometimes, people find themselves in a financial bind and need some cash til payday, but will not ask family or friends for help. They may not have enough credit on their credit cards to pay whatever bill has come up or they may not have credit cards.
Payday advance businesses are the answer but may not be the best solution for your immediate crisis. There are some factors you need to consider before signing up for a cash advance loan.
Here is a little rundown on how a quick cash advance institution works. You bring in the required information, such as your last bank account statement, last paycheck stub and your identification.
You fill out a payday loan application and then are approved for a certain amount of money. On your next payday you come in and repay them the initial amount plus interest.
It is the interest that can hurt you. Cash til payday is a good idea if you really need the money, but it can quickly lead to another debt that is forcing you farther and farther into a cycle of "money owing." The interest rates on cash advances are brutal.
You could be paying as much as a hundred and fifty dollars of interest for that five hundred dollar loan. Your budget was tight to begin with, and now you have another liability.
The quick cash advance idea is marketed towards individuals who live paycheck to paycheck. They want you to come in and use their service. They want you to take out numerous loans because it means more money in their pockets. However, if you do not have a checking account or are not working and receiving a regular paycheck, as some do not count unemployment payments as a form of income, then you will most likely be denied.
Cash til payday is a good temporary fix if you have enough income to cover the interest. If you do not, then you may want to try other options before turning to a payday loan company to help you through the bind. Have you considered going to the bank and asking them about overdraft protection or going to a friend for a loan? You can still pay the friend interest and work out a repayment plan.
Most friends do not mind lending money if they know they will get it back. So do not let pride get you into a situation that you cannot get out of without risking your health and sanity.
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"Energy medicine is medicine based on the appreciation that living systems have energy fields inside of them and around them and that these fields play important roles in physiology, regulatory biology and regulating processes that are going on inside the organism," says Dr. Jim Oschman MD. Though he's a practitioner of Western style medicine, Dr. Oschman recently authored a book about the scientific basis of energy medicines. He talks about alternative therapies like Chinese acupuncture and other complementary therapies that improve human performance.
These days, there's an increasing trend for Western doctors to look to ancient Chinese medicines to treat some of their patients who aren't responding to traditional medicines and treatments. Finding the scientific root of lethargy, for example, can be terribly tricky, but doctors from the school of Chinese medicine say that chronic fatigue is a symptom of the body being out of harmony in one way or another.
By examining the patient's external environment, dietary habits, attitude and other symptoms, specialists in energy medicines are able to prescribe a healthier lifestyle, which many patients find more advantageous in the long run.
Energy medicine encompasses many different processes from qigong (martial arts and yoga) to Chinese acupuncture. One form is called "Reiki," which is a form of Chinese massage. Practitioners say that their energy moves through the palms to create a relaxing - but energizing - effect.
It's believed that a Reiki Master can reach one's life force energy through 10-20 specific positions and techniques that generally last about 90 minutes in duration. Some emphasis is given to the intention of both the practitioner and the recipient and it is said that if the recipient doesn't truly wish to be healed, then the effects will be mitigated. While the energy may encourage healing, Reiki is not viewed as a "miraculous cure" for serious illnesses, but rather a way of stimulating the body's natural energy centers.
American doctors have spent their entire professional careers focused on tinkering with chemicals and running clinical trials to scientifically prove the effectiveness of traditional medicines. So naturally there will be some resistance and attempts to subvert traditional Chinese practices.
Energy medicine is not intended to be a cure-all. In the school of Chinese medicine, doctors recommend lifestyle modifications that include exercise, meditation and dietary alterations. For serious ailments, they say emergency medical treatment can't be denied, but for long-term problems, such as chronic fatigue, why not try non-invasive Chinese energy medicines? After all, starting your day off with a massage or cup of herbal tea isn't so bad, is it?
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