Online Payday Loans – Hidden Dangers For Consumers

If you are short on cash and need an emergency loan to pay off a bill, you are likely to need an online payday loan.Online payday loans are generally for someone who has low credit and is living paycheck to paycheck. Then an emergency comes up, their kid is sick or their car needs emergency repairs, or a bill comes up and it cannot wait until payday to get paid. So, why on earth would someone need to worry about taking out an online payday loan?What is a payday loan?These online loans are too readily available for quick cash. All a person needs is proof of employment, usually a few paycheck stubs, your boss’s phone number, and two forms of identification. That’s it. Normally your credit score doesn’t even come into play.The money is made available to you usually in 24 hours or less and is deposited directly into your checking account. Sounds easy right? Online payday loans usually come with enormous fees and potentially dangerous risks. Here is what you can look for to keep yourself safe and your identity in the clear.The Dangers of Online Payday LoansThe biggest danger is you. If you loose your job before payday, or your paycheck is not large enough to cover the “up to 60% fees” you could be owing money to the online payday loan creditor AND your banking institution. Associated fees, percentage rates, and payback percentages are big money making business for these companies.How do you think they can afford to take such a risk? Of course, the payout has to be great for them to take it. Other dangers may be hidden fees not covered by your next pay day or initially only covered in the fine print you might not have read. Even more surprising is if your check is a day late and the creditor takes the money out of your now empty banking account. You wind up paying both institutions and up to double the original payback amount.Other dangers aside from hidden fees could be identity theft, if the online pay day loan company is not FDIC (www.fdic.gov) insured and backed by a national institution.The simple fact that they have access to your bank account to withdraw funds is heart pounding scary enough in today’s insecure world. Simple clerical errors are made everyday; they could accidentally take the money from your bank on the wrong day or for the wrong amount and this might not be in your favor. You could wind up with a huge mess on your hands and in your wallet.You need to do a little research about your chosen online payday lender well in advance of the emergency. And you need to make sure that this is in fact, a real desperate emergency.Making online payday loans a habit can lead to larger and larger fees each time and destroy your credit entirely. They are not a quick fix, not a long term solution to a money shortage, and they can quickly leave you completely shortchanged and even more desperate than before.Finding a Reputable CompanyAs stated before, research lenders well in advance of your need and have one or two in mind before the crises hits. Make sure this is a real emergency and not something that can be postponed by a quick phone call or a couple days wait.Next look into the bank backing your lender, read the fine print and all updated material before signing anything. Make sure that the chosen lender is who they say they are and not a fly-by-night-company or a look-a-like fraud. If possible, ask around for other people’s opinions from among your friends or co-workers.

The Dimensions of Socialization With Children

Some behavior is expected of us in all the settings into which we enter whilst we are expected to behave in certain other ways only in one specific position. There are patterns of behavior relating to such roles as that of a church sides man at morning service on Sunday that are played in only one setting. These will be called tertiary roles. In addition there is a large number of roles that are played in some, but not all settings. These secondary roles form a large and important part of what we learn whilst being socialized. Some examples will be mentioned very briefly here, though further consideration will be given to such secondary roles in later chapters.The way in which we analyze secondary socialization is determined by the nature of the social system with which we are concerned. Thus, in advanced urban societies there are clusters of closely interrelated roles that centre on economic and on political institutions, but members of these societies do not play these roles constantly. Such roles may, there-fore, be considered as secondary roles, and much secondary socialization takes place in childhood. By the age at which adolescents leave school they already have learnt, partly at home and partly at school, an incomplete, but wide, knowledge of the occupational structure. In other words, their economic socialization as producers is well under way. At an earlier age they have learnt something of their national role, knowing who to support, for example, in a war or in an international sporting event. Similarly, children gradually learn their political roles so that they know not only such details of their own particular political system as how to vote, but also feel that they are part of it and have a greater or lesser degree of power to take part in and to influence political decisions that concern them.Clearly socialization is a forward-looking process. In the political and economic examples that have just been given the child was enabled to learn more efficiently the behavior that was later expected of him because, whether consciously or not, prior preparation had been given to him. This preparation has been termed anticipatory socialization. The teaching of social studies at school is often a very relevant part of the child’s preparation for the economic and political roles that he will play in the future. The engaged couple rehearse together prior to marriage many of the behavioral patterns that they will later play as husband and wife. Likewise, the pregnant woman, at least mentally, prepares herself for her future as a mother.This process of anticipatory socialization is important in that, if it is apt, it eases the transition into future positions. The young person who has been taught at school to study in the more independent way expected of him at a university or college will more easily move from the role of secondary pupil to that of tertiary student. Discontinuities in behavioral expectations are to some degree eliminated. However, anticipatory socialization may be misplaced and thereby discontinuities may remain or even be increased. The child who does not achieve the particular occupation to which he has been led to aspire because either his parents or his school have unduly raised his hopes will have greater difficulties in moving into his economic role than might otherwise have been the case.One final point must be made before completing this examination of socialization from the structural perspective. Since we can talk of a life cycle of roles through which individuals move, socialization must clearly be a lifelong process. In recent years, as sociologists have realized that this concept and the analytical tools associated with it are equally applicable to the learning of adult roles, much work on adult socialization has been done. Socialization is not something that happens only in childhood. New roles must be learnt, and often old behavior must be forgotten because it is no longer apt for the new positions that are assumed or the new groups that are joined. This is particularly true as persons grow older. They are no longer expected to behave as young folk do. This is attested by the existence of such phrases as ‘mutton dressed as Iamb’. Adult socialization, however, builds greatly on the foundations laid in childhood mainly because, as psychologists have shown us, what we learn as children is more permanent in nature than what we learn in later life.

Problem? Solved

Problems and workplaces go hand-in-hand. No matter the size of the company, the scope of the dilemma, problems are as inescapable in the workplace as well, work. While problems cropping up may be beyond your control, problem-solving is firmly within your grasp.

Albert Einstein’s theory of relativity may be difficult to fully comprehend, but his problem-solving advice is easy to follow. “We can’t solve problems by using the same kind of thinking we used when we created them.” Now that’s genius!

So switch off problem solving auto-pilot and stop blindly trying to move through or around the problem. Take time to analyze how and why the problem popped up and prepare to address it step-by-step. Appreciate that the problem presents the opportunity to become an effective problem solver.

First step, examine the anatomy of a problem. In the workplace, common causes are co-worker conflict, customer dissatisfaction, process dysfunction and mechanical failure. Could it be a combination of factors?

Once you have clearly identified the root problem(s), it’s time for action. Positive action. Do not fall into the trap of hoping a problem will go away, looking for someone (else) to blame or rushing to come up with the right solution immediately. This is key. Solutions do not belong at the beginning of the problem solving process but at the end. So take time to get it right.

Problem Solving 101

Ready to tackle your problem? Make sure you and other participants have allowed emotions to cool and are ready to work dispassionately.

Step back and try to see the bigger picture. Make a candid assessment of what if any role you may have played in creating the problem.

Pinpoint the issues at stake. Field and clarify different perspectives from all actors. The goal is to find a solution that satisfies everyone’s interests.

Activate your listening skills. Engage in active listening, offering physical and/or verbal signs that you understand and appreciate what people are saying to you. Put aside any perceived or real differences and listen with the goal of truly understanding.

Evaluate and select the best solution. Collaborate with your problem solving peers to ensure the solution is the best possible. Is there one best solution, or can several options be “bundled” together to form a solution meeting a broad number of interests?

Brainstorm solutions. Employ creativity (and patience) in finding the point (or points) of mutual interest. Carefully assess whether a solution really meets the need of your interests. Too often, people become attached to one particular solution, at the expense of their interests.

Try-Storming is brainstorming with a twist; ideas are quickly generated and tested rather than slowly developed and analyzed. The process has three basic principles: 1) It is not important to create perfect solutions; 2) Be action-oriented and 3) Keep solutions simple.

Delineate the solution in a written agreement. Memory can be faulty. Outlining the solution in written form also helps participants to think through all the implications. And the document serves as a touchstone for review on an ongoing basis to ensure needs are still being met.

Effective problem solving is a skill that is required on an on-going basis both at work and in life. Becoming disciplined about your problem-solving process will yield positive solutions and lessen your stress and unease about tackling workplace troubles. So the next time a problem arises at work, take a deep breath and know that you are armed with the tools to tackle it head on.

Problem? Solved.