The pros and cons of payday loan

Often payday loans are warily looked upon by people because they think it is a predatory form of lending. However, like many other financial practices, there are certain costs to it, but benefits to be gained from it as well. And while a payday loan may not be for everybody, there are particular groups of people who will be able to benefit a lot from getting one. And for you to decide whether or not it could be something that you can take advantage of, you will have to consider both the pros and cons of a payday loan. Compare payday and other loans in Norway using this link.

Pros of a payday loan

The first main advantage of getting a payday loan is that it is so easy to get. The requirements for getting one are very lax. You will only need to be 18 years old in most countries, have a checking account, and also have a monthly income as well.

Another advantage of payday loans is that they are very fast! In a lot of cases, you can get your loan in as much as under an hour, depending on the amount that you are borrowing. And it would only take at a maximum of 2 to 3 days to get your loan approved.

Finally, they are convenient to get as well. In addition to having low requirements and a fast approval time, you can even get them from online lenders as well. So a payday loan could be a convenient source of cash for you.

Cons of a payday loan

One disadvantage of a payday loan is the high interest rates attached to them. You may even be charged as much as 30% interest rate, depending on repayment options. However, you can avoid high-interest rates if you choose your lending company carefully.

The short time that you are required to pay back the loan is also constrictive for some people. Most payday loan lending companies will require that you pay back the amount you borrowed in as little as thirty days. Although that can also be flexible depending on the repayment options that you choose.

Another disadvantage is that if you do not have a job, you are not eligible for one. People who are unemployed will not be able to apply for a payday loan, no matter how hard they will negotiate. You will need to show proof of employment, or at least income if you would like to apply for a loan.

As you can see for yourself, there are both distinct advantages and disadvantages to getting a payday loan. You will have to decide for yourself whether getting one would be something that is right for you. For a vast majority of people who need money fast, to pay off debt or bills, getting a payday loan is something that is more advantageous to them. And it might be for you as well if you weight in all of the costs and benefits of it. If you ever find yourself in a dire situation, wherein you need cash, try to look for a lending company that offers payday loans.

Gardenscapes: New Acres, Same Garden New Sights

Gardenscapes: New Acres is a game where it mixes gardening simulation and a matching puzzle gameplay.  You play a basic game of puzzle where you match three different tiles or more to unlock goodies and progress with the game. When you’re not playing the puzzle game, you can choose to create and design your garden and the simulation aspect. Puzzle and garden simulation is kind of a weird mix so use our Gardenscapes cheats that we have compiled

The puzzle games

You will be able to play puzzles on your garden. Clearing them will progress the game. The gameplay is pretty much your standard type of game. Gardenscapes: New Acres just puts an emphasis on the garden aspect so to speak. You just have to match the right number of tiles to clear the level. You can’t play previously finished levels though or play ahead if you haven’t completed the current level you are on. Complete the level first before proceeding.

Use lives before getting the next day

When you’re playing puzzles and fail at them you will lose a life. You will have five lives so if you run out of lives for that day, you can’t play anymore puzzles. That’s the good thing is because when you choose to move on to the next day your lives will recharge. Here’s a nice little trick to do before you move to the next day. One thing is to use up all of your lives. Then you need to do as much work as you can on your garden until you’re at 100% workload already. Once all of these are accomplished, proceed to the next day to maximize your performance.

Gnomes and grasses

In some levels there will be gnomes. You need to get these gnomes for some benefits. They are hidden in grasses that can vary in types. There are thin grasses that can be cleared with one match and thick grasses that need to be cleared two times. You have to complete the level when you get the gnome. You can play the level again if you fail but the gnomes won’t be staying in one place as they will move to another spot.

Stars for the win

When you complete puzzle levels you get star ratings with 3 being the highest and 1 being the lowest. You can use these stars as a form of currency. It is ideal to use these stars to repair your garden on don’t spend on them on anything else as well as you can use other resources for other things. If you would also like you can use some stars to speed up production.

Take care of your garden

Like any simulation game especially for farming or gardening you need to take care of your plants. Make sure you beautify your garden and put some effort into taking care of your plants. Just do the basics to keep them alive as they won’t die if you miss an hour of playing. One other thing is that Gardenscapes: New Acres gives you the chance to do a free spin for items daily so be sure to log in.

Tend to your garden and solve those puzzles with the help of our Gardenscapes: New Acres hack, cheats, tips and guide.