Payday lenders are thriving in today’s economy. This is no small wonder since just about everyone is stretched really tight financially. They may have experienced a job layoff or reduction in hours that makes living from payday to payday barely possible. When something unexpected happens, it creates a hardship.

Very few folks have a pile of cash stashed away for new tires or a root canal. Even so, both expenses are important. Some people can take out an installment loan from their bank or a finance company. But then they are saddled with months and months of installment payments, leaving them stretched even thinner than they were before. To get a bank loan or a loan from a finance company, a potential borrower needs to have good credit.

So what can those people with less-than-perfect credit, or even bad credit, do if they are hit with an unexpected expense? Many are choosing to borrow money from a payday loan company.

A payday loan is a short-term loan that must be paid back on the borrower’s next payday. Payday loans, also called cash advances, have a loan term of roughly 14 days.

The average cost of a payday loan is roughly $15 per $100 borrowed, depending upon the borrower’s state of residence. These charges and interest may seem high, but where else can a borrower get a loan on the spot? Most loans have to go through an underwriting process, a loan committee and a final approval before funding. A payday loan is completed in less than a day.

If a borrower is not able to pay back the payday loan when it becomes due, many payday lenders will allow the borrower to just pay the interest and fees and roll the loan over until the following payday. Other payday lenders will allow borrowers to restructure their payback amount in a lower-interest installment loan with a term of three to 18 months for affordable monthly payments.

Many payday lenders also provide tax services and auto title loans. An auto title loan uses the borrower’s car as collateral and is nothing more than an installment loan. The title to the car is surrendered to the lender until the loan is paid off. Then it is returned to the borrower.

Floor Scales Direct has a number of tools that can make installing a new floor or deck easier. The floor scales are specially designed to ensure that installation is even. In addition to floor scales, the company also provides additional items such as printer supplies and remote displays for the scales, along with scales that are specially formulated to weigh livestock.

One of the livestock scale selections is 24 inches and comes with a digital display screen for measuring accuracy. The scale is made from heavy duty steel which makes it especially durable, and the device can easily be mounted under livestock platforms and tanks, as well as hoppers and chutes. There’s also a rechargeable battery in the livestock scale that keeps the device functional for up to 20 hours at a time.

Customers can also buy livestock scales at FloorScalesDirect.com that include an alleyway package. These products also include a digital screen that is easy to read and is made from heavy-duty steel. The weight hold feature on the device takes animal movement into account, which makes for accurate measurements each time the scale is used. The machine include four load cells that are made from alloy steel nickel and the load cell capacity is twice that of the scale. This livestock scale will also convert measurements from kilograms to pounds for you and has a desk mount stand along with a tilt adjustable wall for easy viewing.

Customers who shop for high-quality and reliable livestock scales from the Floor Scales Direct website can read reviews of the products and the company’s customer service before making their final purchases. The virtual shopping cart also allows customers to see the scales they’ve selected for purchase before filling out their credit card information. All transactions conducted on the website are completely secure, so customers never have to worry that their financial information is being shared with a third party. Patrons who are buying livestock scales for the first time can also refer to the Floor Scales Direct FAQ section to get all the necessary details on a pending livestock scale purchase.

The Kayanihan project was conceptualized when a group of professional communicators marveled at a recent positive development in the country. The project began in February 2013, an advocacy campaign was conceptualized to contribute to the positive momentum. Procter & Gamble (P&G) Philippines was the among the first who sponsored the project. Together with Campaigns and Grey Group, the Kayanihan Project was born. It was a celebration of the positive gains of the country and a call to all Filipinos to continuously work together to hurdle future problems.

Sabi nga, tama na ang kanya-kanya.. Mag KAYANIHAN NA!

The term Kayanihan comes from Bayanihan, a community spirit that Pinoys are known for and Kaya Natin, an attitude that Pinoys all have. To bring the Kayanihan Project to life, Pinoys were invited to co create a new song in the tune of “Kay Ganda ng Ating Musika”. They were invited to contribute lyrics through answering the question: Paano mo masasabing gumaganda na ang buhay mo ngayon? Receiving close to 1,000 lyrics from different parts of the country and around the world, Mr. Ryan Cayabyab, Itchyworms, and Gloc-9 wrote the lyrics into a song and sung by Ms. Regine Velasquez-Alcasid.

After the lyrics were formed, Pinoys, were once again invited to participate in the project by sending their photos singing the Kayanihan Song. And with the photos and video clips, a music video was created. A music video that features Filipinos from all walks of life, singing together one song: The Kayanihan Song

To know more about Kayanihan project, please like and visit Kayanihan on Facebook.