Why you need to apply for a payday loan

Rene Hodges
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Why you need to apply for a payday loan

Applying for payday loans has become the easiest thing you can ever do. Keep in mind that a financial emergency, such as vehicle repair and medical bills may require you to utilize the funds immediately. 

The payday loan application and approval process take just a couple of minutes, making it suitable for use in emergencies. Hence, it’s important to understand how you can and why you need to apply for payday loans. This post explains why you need to apply for a payday loan.

How you can apply for a payday loan

A payday loan which is also known as a short-term loan requires you to repay a full amount with fees and interest within a short period. In most cases, these loans can be due within 30 days when you receive your next paycheck. If your credit score is not good and you have a small chance of accessing a traditional loan, then payday loans are suitable for you.

The payday application is pretty simple and many lenders need you to provide financial and personal details. These can include your address, credit score, source of income, and employment status.  

This is just the basic information that can help the payday lender to figure out whether you are eligible for a payday loan or not. That said, it’s worth noting that the lender can also verify your credit score. Many of these lenders utilize a soft credit check, meaning it doesn’t affect your credit score.

Why you should apply for a payday loan

There are many reasons why you need to take a Net Pay Advance payday loan. However, it doesn’t mean that you should access these funds so that you can take a luxury holiday. The payday loan can make a huge difference, especially if you are in a bad financial situation. Below are some of the reasons you should choose a payday loan:              

  • Redundancy. Unfortunately, you can lose your job which can affect your emotional and financial state. So you need to look for money to make ends meet. This is where a payday loan can come in handy, meaning you can apply for this loan to live the lifestyle that you want.  
  • Loans to pay off bills. Your budget can be affected by high bills, so you need to take a payday loan to settle mortgage repayments, energy costs, school fees, and many other expenses. 
  • Payment of unexpected debt. You may need some cash during emergencies. For example, your loved one can get ill and you can get a payday loan to pay the medical expenses.  
  • Paying off another debt. If you have another debt like a credit card, you can take a payday loan to pay off that debt. This is especially true if the interest rate of the other debt is higher than that of a payday loan.  

As you can see, a payday loan is suitable if you have an emergency and want to access the cash quite quickly. Whether you have a good credit score or not, you can find lenders out there willing to give you this short-term loan.

 

Catawba County Declares State of Emergency After Heavy Flooding

Charlotte Stories
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Catawba County Declares State of Emergency After Heavy Flooding

Catawba County has declared a state of emergency after several days of heavy rainfall quickly flooded many parts of the county.

According to a statement from the county, “The declaration enables Catawba County Emergency Services to implement coordinated response and recovery efforts in all affected unincorporated areas of the county in alignment with the Catawba County Emergency Operations Plan and in collaboration with emergency response partners.”

The rain over the past few days has flooded creeks, toppled trees, and destroyed numerous sections of roads and bridges.

Did you experience any flooding over the weekend?

Gastonia Man Arrested For Attempted Murder and Assault With Deadly Weapon

Charlotte Stories
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Gastonia Man Arrested For Attempted Murder and Assault With Deadly Weapon
via Gaston County Jail

Gastonia Police have just arrested an attempted murder suspect after he shot his girlfriend several times.

Police arrested 33-year-old Billy Ray Dellinger (Jr.) yesterday afternoon at 1:48 pm after receiving a call about a shooting in Northeast Gastonia. 41-year-old Heather Hensley Jones was rushed to the hospital with multiple gunshot wounds.

The shooting occurred at 1102 North New Hope Road in Gastonia, NC, where both Dellinger and Jones had been living:

Dellinger is now being charged with weapon possession by a felon, felony assault, and attempted homicide. He was previously incarcerated in an NC state prison from 2009-2019 for robbery with a dangerous weapon and assault with a deadly weapon.

According to CaroMont Regional Medical Center, Jones is now considered to be in ‘fair condition’.

3rd Annual Bigfoot Festival Is Coming To North Carolina

Charlotte Stories
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3rd Annual Bigfoot Festival Is Coming To North Carolina

bigfoot-911-festival-in-marionThe small town of Marion, NC (about 50 miles North West of Charlotte) will be hosting our region’s biggest ever Bigfoot Festival this weekend. It will be held on September 18th and 19th.

Friday, September 18th will include a massive Bigfoot Expo inside the Marion Community Building with Researchers presenting and displaying a wide range of evidence. The expo costs $5 per person.

Saturday, September 19th will feature an expanded street festival that will last from 10 AM-6 PM with vendors, speakers, Sasquatch-themed food, and even a kids zone.

The event will be sponsored by the Marion Downtown Business Association, the McDowell Chamber of Commerce, and the Facebook group ‘Bigfoot 911’.

John E. Bruner, who started Bigfoot 911, noted that the Bigfoot Festival will be something unique for not only North Carolina but this part of the country as well – it will be the only event of its kind on the East Coast.

He recently announced the third annual festival via the popular North Carolina Bigfoot Facebook group, Bigfoot 911 (now with over 12,000 members):

Organizers are planning on having a wide variety of craft and food vendors, along with book signings, lectures, and live demonstrations about how to hunt for the mysterious creature.

Several booths will be set up for Bigfoot hunters to present their photographs and plaster casts from expeditions into the woods.

The Facebook group ‘Bigfoot 911’ was first started in 2014 after a group of local investigators decided to share tips, stories, and photos from the McDowell County area.

The group recently received national and international attention after they reported a shockingly detailed sighting of Bigfoot near Lake James.

Top-Mistakes of Making Basic Wardrobe for a Toddler Girl

Robert Tilman
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Top-Mistakes of Making Basic Wardrobe for a Toddler Girl

Some people say that buying clothes for boys is much easier: just select jeans, a pair of T-shirts, a jacket and sneakers, and you’re done. Another thing is a wardrobe for toddler girls who are little princesses from birth. Today, we will talk about the ways of making the right basic wardrobe for a little girl and what mistakes should be avoided.

Correct Your Mistakes

What are the most common mistakes when choosing clothes for a toddler girl?

1.All Shades of Pink

Pink is considered a traditional color for girls. But when there is only one color in the wardrobe, this is already too much. Dressing up like a Barbie, a future fashionista will not learn how to choose colors that fit her appearance, and then she will grow up and switch from pink to black, “because it slims and matches everything.” In fact, she will be unable to choose her own shades and colors. So, try to teach your kid to select the toddler girl clothes from childhood: for this purpose, you can use the relevant websites as https://thetrendytoddlers.com/pages/toddler-girl-clothes.

2.Too Many Decorations

Sometimes, clothes for girls have excessive decorations. Such colorful outfits in childhood lead to the fact that a girl will choose too decorated and elegant clothes and look like a New Year Tree when she’ll grow up. Therefore, it is good to teach a girl that clothes should be more or less neutral, while a bright look is easier to create with the help of accessories — scarves, handbags, earrings, etc.

3.Boring Wardrobe

Sometimes parents think that beautiful items are useless for toddlers. So, they dress their daughters in clothes that do not fit them and parents think that “she is small, so she does not care.” However, little girls grow up without a sense of style, because it must be taught from an early age.

4.Chasing the Fashion Trends

Sometimes, stylish and fashionable moms, who look like candy, dress up their daughters in the same “candy wrappers”. But sometimes these fashionable outfits prevent girls from being children. White tights for a walk prevent kids from getting dirty, while trendy leather shoes — from running and having fun. It is still worthwhile to select clothes for festive events and walks, and at least occasionally allow children to be kids.

Create the Wardrobe for Your Toddler

Having listed the mistakes, we can come up with the basic rules for the toddler’s wardrobe:

  • it should contain items for different occasions;
  • colors and shades should fit the girl and combine with each other;
  • things should have minimal decor to make it easier to combine.

So, to complete a wardrobe, you should choose one or two basic colors and one or two brighter ones, and all of them should be combined. For example, you can take the basic brown and beige, and combine them with coral and warm green. Done!

 

 

 

Lincolnton Man Shoots Woman For Mistakenly Taking His Trump Sign

Charlotte Stories
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Lincolnton Man Shoots Woman For Mistakenly Taking His Trump Sign

A Lincolnton man has just been charged with assault after shooting a woman who mistakenly picked up his Trump campaign sign.

The incident occurred yesterday afternoon in a Lincolnton subdivision.

Peggy Fox was visiting her brother with her daughter. When she arrived at her brother’s house, she noticed a Trump 2020 sign in what she thought was her brother’s yard. Believing it to be a prank, she picked up the sign and started walking it up to her brother’s house. She suddenly felt ‘excruciating pain’ in her arm and noticed that she had been shot. “The entry point swelled to a golf ball size,” she recounted.

She recalled the entire incident in a Facebook post later that evening.

The man who shot her has since been charged with misdemeanor assault.

Charlotte’s Discovery Place Launching School Camp at Two Locations

Charlotte Stories
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Charlotte’s Discovery Place Launching School Camp at Two Locations

As families with school-aged children gear up for this unprecedented academic year, Discovery Place is ready to assist.

Through our new full-day School Camp program, children in grades K-5 can attend school virtually from Discovery Place Science or Discovery Place Nature. In quiet spaces, under the supervision of our dedicated team members, students will participate in their classroom lessons and work on their daily assignments.

The program aims to ensure kids remain focused and on task throughout the virtual school day as well as providing them with basic educational assistance when needed.

“We are excited to serve as a resource for families in our community by providing a learning environment that sets kids up for success during this challenging time,” said Discovery Place Vice President of Learning Experiences Heather Norton. “Additionally, knowing that school field trips will not be offered during this time, our School Camp provides access for Museum exploration and experiential hands-on learning.”

Following the virtual school day, science will take center stage as staff members provide grade-appropriate science enrichment activities that align with topics in the Charlotte-Mecklenburg Schools curriculum.

Several procedures and protocols are in place to address the health and safety of our School Camp community as it relates to COVID-19.

School Camp runs from 7:30 a.m. to 5:00 p.m., Monday through Friday beginning August 31. For more information or to enroll a child, visit Discovery Place Science or Discovery Place Nature online.

The Oldest Person In America Will Celebrate Her 116th Birthday In Charlotte This Weekend

Charlotte Stories
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The Oldest Person In America Will Celebrate Her 116th Birthday In Charlotte This Weekend

The oldest living person in America is about to celebrate her 116th birthday right here in the Queen City.

Hester Ford was born on August 15, 1904, in Lancaster, South Carolina and moved to Charlotte in 1953 where she began working as a nanny for 2 Myers Park families.

She currently has 12 children, 48 grandchildren, 108 great-grandchildren, and at least 120 great-great-grandchildren.

Two of her grandchildren are now planning to host a massive drive-thru birthday celebration this weekend.

Last year, Ford became the oldest living person in America after the tragic passing of New York City’s Alelia Murphy. She is just 2 years younger than the oldest person in the world, Japan’s Kane Tanaka, according to the Gerontology Research Group.

Happy birthday Hester Ford!!

Famed Actress Viola Davis Now Owns South Carolina Plantation Where She Was Born

Charlotte Stories
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Famed Actress Viola Davis Now Owns South Carolina Plantation Where She Was Born

Legendary actress Viola Davis (best know for her roles in Fences, The Help, Widows, and Doubt) has just announced that she now owns the South Carolina plantation where she was born.

Davis was born in a tiny home on South Carolina’s Singleton Plantation back in 1965, where her family worked as sharecroppers, planting and harvesting cotton for the plantation owners.

Now, 55 years, she just announced that she now owns the entire plantation;

Viola has won an Oscar, Academy Award, Golden Globe, Primetime Emmy, and 87 other awards so far in her powerful career.

One of her most recent projects was making a full-length documentary about the recent Charleston shooting with legendary NBA star and Davidson graduate Steph Curry. The documentary is call ‘Emanuel’ and it tells the story of the nine Black churchgoers who were murdered by a white supremacist at the Mother Emanuel AME Church in Charleston.

US Dept of Labor Finds Charlotte Area Transit System (CATS) Guilty of Violating FMLA

Charlotte Stories
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US Dept of Labor Finds Charlotte Area Transit System (CATS) Guilty of Violating FMLA

After an investigation by the U.S. Department of Labor’s Wage and Hour Division (WHD), the Transit Management of Charlotte Inc. – operating as Charlotte Area Transit System (CATS) – has reinstated and paid one employee $21,998 in back wages for violating requirements of the Family and Medical Leave Act (FMLA).

Investigators determined the public transit operator wrongly assessed disciplinary “attendance points” against the employee for missed work time the employer should have recognized as FMLA-qualifying time off. CATS subsequently wrongfully terminated the employee for excessive absences once enough points had accumulated. To resolve the violation, the employer reinstated the worker, paid back wages for the time that the employee would have worked and restored the employee’s medical benefits.

“The Family and Medical Leave Act provides employees with critical workplace flexibility, protecting their jobs when they, or an eligible family member, need care for a serious health condition,” said Wage and Hour Division District Director Richard Blaylock, in Raleigh, North Carolina. “The U.S. Department of Labor is committed to protecting employees’ FMLA rights, and to helping employers understand their responsibilities. We encourage all employers to reach out to us with questions, and to use the many resources we offer to avoid violations like those found in this case.”

The Department offers numerous resources to ensure employers have the tools they need to understand their responsibilities and to comply with federal law, such as online videos and confidential calls to local WHD offices.

For more information about the FMLA and other laws enforced by the Wage and Hour Division, contact the Division’s toll-free helpline at 866-4US-WAGE (487-9243). Information is also available at www.dol.gov/agencies/whd.

WHD’s mission is to promote and achieve compliance with labor standards to protect and enhance the welfare of the nation’s workforce. WHD enforces federal minimum wage, overtime pay, recordkeeping and child labor requirements of the Fair Labor Standards Act. WHD also enforces the Migrant and Seasonal Agricultural Worker Protection Act, the Employee Polygraph Protection Act, the Family and Medical Leave Act, wage garnishment provisions of the Consumer Credit Protection Act and a number of employment standards and worker protections as provided in several immigration related statutes. Additionally, WHD administers and enforces the prevailing wage requirements of the Davis-Bacon Act and the Service Contract Act, and other statutes applicable to federal contracts for construction and for the provision of goods and services.

The mission of the Department of Labor is to foster, promote and develop the welfare of the wage earners, job seekers and retirees of the United States; improve working conditions; advance opportunities for profitable employment; and assure work-related benefits and rights.

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