In these tough economic times, many people find themselves short of cash and in need of an immediate loan. Payday loan companies often provide the ideal solution to emergency circumstances. These companies allow customers to take a loan out against their next expected paycheck. The loan has to be paid back with interest once the person is paid. The loans do not generally require a credit check, and often customers can receive cash in one hour or less. The interest demanded upon payment of the loan is often higher than with a traditional loan, so these loan services should only be used in case of emergency.The best payday loan company to use depends upon your needs and circumstances. You should never use a payday loan company as a permanent solution to your financial problems. If you find yourself requiring a payday loan on a regular basis, you should examine your budget to find a better solution, as interest payments will begin to eat up a substantial portion of each paycheck. If you do require cash in an emergency, however, you should try to find a place that promises a wait time of an hour or less. The last thing you need during a financial crisis is the stress of waiting for a long time to see if your loan will go through.Distance is also a factor when choosing a payday loan center to use for your emergency cash needs. Gas is expensive nowadays so you don’t want to be driving across town if it is not necessary to do so. Also, if your loan company is located too far away, you will find yourself reluctant to visit it when it is time to pay back the loan.Many payday advance companies are now doing business online. This method is not recommended because it is too easy for identity thieves or other scammers to create websites that mimic legitimate businesses. These people will steal your money or credit information instead of giving you the loan you have applied for. If you do choose to use an online payday advance company, make sure the website provides a phone number that you can contact to verify that the site is legitimate.Whether you use an online company or visit a physical address, the process for receiving a 1 hour cash advance is generally the same. Upon arrival, you will be asked to fill out a simple application form. The company usually will not run a credit report, although a few do; make sure to ask or check the FAQ online if this is a concern. Along with your application, you have to provide verification of income such as a check stub, and of course you will have to give the loan officer your driver’s license to verify your identity. Once the application and supporting documents have been received, you will be given your money. Online companies usually deposit the money directly into your bank account, while physical locations often give you cash.On your application, you will usually be asked to indicate when you are receiving your next paycheck. Your loan payment will be due on this date. You are required to pay the loan in full, including interest. It is important to pay these loans back on time. Many payday advance companies take a post-dated check for the amount of the loan, and if you do not have funds in the account to cover that check you can be arrested for writing bad checks. Even if companies do not take this step, they can sue you for the amount of the loan. Finally, interest continues to accumulate until the loan is paid back, so you could find yourself owing a far greater total than expected should you make a late payment.Payday loans can result in high interest charges, but in difficult economic times people often find themselves without other recourse. It is important to use payday loans appropriately and to pay them back in a timely manner to avoid extra fees.
S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows
Key Insights
The strong pullback in the U.S. dollar provided significant support to stocks.
Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.
A move above 3730 will push S&P 500 towards the resistance level at 3760.
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Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines
S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.
The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.
Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.
Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.
Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.
From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.
S&P 500 Tests Resistance At 3730
S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.
If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.
On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.
Affordable Dry Skin Care That Really Works
Whether you are looking for affordable dry skin care products because you have a skin disorder or because your skin is naturally dry, the good news is that such products are available. Affordable dry skin care includes what you expose your skin to, your diet and your lifestyle as well as the right skin care products for your skin type. Your skin is the largest organ in the body and is permanently on display, so it is important to take the best possible care of it.Dry skin has a low level of sebum and is often sensitive. The skin might look tight, feel parched and become drier if exposed to temperature extremes. Using harsh soaps or cosmetics which are high in chemicals can make the problem of dry skin worse or even cause a skin disorder.Sometimes dry skin is a genetic condition rather than a skin disorder. If this is the case, the same beauty and care regime applies. You can find affordable dry skin care products including cleansers, day moisturizers, night creams and beauty masques, no matter what the cause of your dry skin is.When looking for affordable skin lotions, read the ingredient list. Avoid ingredients such as parabens, mineral oil, and other sythetic ingredients. Chemicals like these can actually have a damaging effect on the skin in the long run. It’s better to pay a little more for a lotion that will nourish the skin than to save a few dollars and end up damaging your skin.If you do have dry skin, it is best to avoid tap water when cleansing because it removes the natural oils and dries the skin out even more. Instead, you should use a non-detergent cleansing lotion with a neutral pH. Nourishing moisturizer is a form of affordable dry skin care and you can apply plenty at night, including to the dry areas around the eyes where crow’s feet or wrinkles might be forming.Many affordable dry skin care preparations contain herbs, known for their benefits on dry skin. Aloe vera is soothing and moisturizing and is an ingredient in many natural skin care creams, gels and lotions. Calendula and comfrey are also good herbs for softening the skin and for soothing skin disorder problems.Essential oils such as lavender, primrose and tea tree are beneficial for people with dry skin. These can be used in a facial sauna or ingredients in a skin care product regime. Drinking plenty of water keeps the skin hydrated and teas made from fennel, calendula, borage or coltsfoot help to improve the condition of your dry skin.Eating a balanced diet complements a good dry skin care regime. Try to include vegetables, fruit, nuts, grains and seeds in your diet and incorporate raw foods where you can. Alcohol and tobacco can dry out your skin so you might want to avoid these. You might also like to avoid fried foods, the reason being that when oil is heated, it forms free radicals which are destructive to the skin.There you have it. If your skin is slightly dry, very dry or extra dry, do not worry because there are plenty of affordable dry skin care products on the market for you to try. Just be sure they have ingredients that will nourish your skin from within, while moisturizing from the outside. If you combine these products with a healthy diet and lifestyle and drink plenty of water, your dry skin or skin disorder can become a thing of the past.