Unemployment Rate Holds Steady, But Some Industries Are Hiring

The unemployment rate remained unchanged in June despite some positive signs. This could be an indicator that the momentum built during the first half of the year has plateaued. With the jobless rate holding steady, millions of Americans who are under-employed may need to reach for a cash advance. The national unemployment rate for the month was 8.2 percent, despite private businesses adding an estimated 84,000 new jobs during June, according to a report from the Bureau of Labor Statistics. At the same time, 4,000 government positions were eliminated. As a result, approximately 12.7 million Americans were unemployed in June.

Prior to June, the U.S. economy added 77,000 jobs in May and 68,000 in April. As a result, the overall second quarter job creation average was significantly lower than the first quarter, when a total 226,000 positions were created.

Meanwhile, the stable unemployment rate last month may have been caused by a number of Americans who were unwilling to look for jobs, the report said. Many of these individuals may be under the impression that there are no positions available that would accommodate their past work experience. Estimates believe close to 821,000 Americans shared this sentiment.

Unemployment Rate Holds Steady, But Some Industries Are HiringIf you are one of the millions of Americans sitting around wondering where all the jobs are, you may be surprised to hear that there are some industries currently flourishing despite uncertain economic times.

Office Staffing

According to U.S. News and World Report, many companies are now hiring office staff to complete general day-to-day tasks. In 2022, the economy created roughly 284,000 positions in this sector. While this may not seem like a glamorous job, it can yield a steady paycheck and looks great on a resume.

Additionally, many of these positions are only temporary. Even if you don’t think you’ll enjoy the opportunity for an extended period of time, it can provide some financial relief while you continue your true job search.


As the financial situations of many households continue to build momentum, the travel industry is close to follow. Last year, tourism added 191,000 new jobs, according to the news source.

Not only are domestic travelers adding to this surge, but so are world travelers from emerging economies in Asia and South America. The United States is the number-one vacation destination for people from these areas.


After the most recent recession, many Americans chose to stay in school rather than test the job market. This trend actually resulted in an increase in education-related jobs across the country. In 2021, education yielded an estimated 131,000 new jobs.

While economic woes resulted in teacher layoffs in some areas in recent years, overall, public schools are expected to hire more employees for positions ranging from teachers to support staff.

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Bargain Deals That May Cost You More In The Future

In today’s economy, consumers look to save money wherever they can. However, there may be a few misconceptions about certain ways to save cash, that can really be a waste. With the holiday season approaching, some consumers may try to take advantage of the following deals to save on their spending, but they should show caution.

Beware Of Buy One, Get One Deals
Many people can’t resist a buy one, get one free or half off deal, but these can actually lure you in to commit some major unnecessary spending. These types of deal often seem too good to be true, but you should ask yourself a few questions beforehand.

Ask yourself if you would buy two of these items, or is your deal radar on the fritz? In addition, even if you get a second item half off, the expense may not fit with your budget. According to Reader’s Digest, if you purchase a pair of sneakers for $60 and get a second pair for $30, this could add up to more than $100 after taxes. Think if you really need two pairs of shoes.

Meanwhile, you can also ask a store clerk how long the deal will go on for. If it’s for a few more days, go home and sleep on the decision. You could wake up the next morning thankful you didn’t blow all your money on a seemingly good bargain.

Signing Up For A Store Credit Card
In a checkout aisle, you’ve probably encountered an offer to sign up for a store-brand credit card. This is often paired with a discount for your immediate purchase.

Some people think they can sign up to capitalize on the discount and close the account immediately after. However, this will remain on your credit report for quite some time and may actually have an adverse effect on your credit score.

Don’t Always Pick The Cheapest Product Or Service
If you are on a budget, selecting the cheapest option when making an expense may seem like the best choice, but it could cost you in the long run.

Specifically, if you pinch pennies and buy cheap product made with inferior materials, it may only be a matter of time before you have to buy another once it wears out or breaks. While this individual purchase is cheaper, over time, these small expenses can add up to much more than splurging for a high-quality product.

Repairs and updates to your home and automobile is one situation where this is especially true. These are two of the largest investments you may ever make, so ensure only the most qualified professionals using top-quality parts and materials are being used.

Only Saving Money For One Long-Term Goal
Having emergency funds can help you deal with unexpected bills, but if this is where all your extra money goes every month, you may want to reassess your budget.

For example, should some of this money go toward retirement, rather than an emergency cash fund? Some people might think they can transfer money from their emergency fund to their retirement later on down the road. While this is an option, it won’t give the cash the time it need to grow and mature by collecting interest.

Although you don’t know when this emergency cash will come in handy, it’s guaranteed you will need a retirement fund as your grow older.

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No obligation payday or installment loans

installment long term loanWouldn’t you want to have no obligations at all? Of course, in real life, this is not really possible as obligations are part and parcel of life. However, there are cases wherein you might not have to face any obligation. Take payday loans for example, you are not obliged or forced to take one out until a certain point in the process has been reached. This really makes is convenient for borrowers who may suddenly change their minds about a certain payday loan product.

Before we go there, however, let us briefly discuss what a payday loan is and the process that you have to undergo in order to take one out. So basically, a payday loan is a financial product wherein any person can approach a lender and ask to borrow money. The person does this by sending in an application form. Since most payday loan lenders in the United States today operate online, an interested borrower merely has to access their web site, fill out the application form, and send it in.

This is where the no obligation part comes into the picture. So let us say that you found a best installment loan lender that you are interested in. What is the first thing that you should do? I suggest that you search the web site thoroughly so that you can determine whether or not the terms and conditions that they offer will suit your needs and preferences. You can do this for several payday loan lenders – in fact, as many as you want. Then when you have decided on which payday loan lender to borrow money from, you can fill out the application form and send it in. Just because you have filled and sent out an application form does not mean that you have to go through with your payday loan, however.

This is another aspect of flexibility that payday loans offer. At the point wherein you have submitted your application for a payday loan, you merely letting the payday loan lender that you are interested in getting a loan from them. You are merely asking them to let you know if you will be allowed (approved) to take out a payday loan. If, for any reason whatsoever, you decide not to take out a payday loan after all, you can still back out at this point. You are under no obligation to take out the loan.

I think that this is a very important aspect of long term loans. Sometimes, we have a very urgent need that we just cannot disregard and sometimes, this need requires a certain amount of money that we might not have on hand. That is why payday loans are very convenient – they can provide the answer to this kind of need. Then again, sometimes, help arrives when we least expect it. You might have already started the process of a payday loan and then suddenly you have something falling out of the sky and you don’t need to take out a payday loan anymore. This feature can come in very handy then, can’t it?

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Find a good payday lender and stick with them.

Where do you go shopping for your groceries? Do you hop from one store to another or have you found a good store and do you use them most of the time? Take a look around your house and do a quick survey of the products that you have. The chances are that you have many different items which are of the same brand. The situation I have at home is similar to this. Most of our electronic gadgets are of the same brand. Our food comes from two main stores that we patronise. Why am I bringing this up? To make a point. That is, many consumers like to find reliable producers and service providers and then they stick with them. It makes sense after all. If you find a product or a service that you particularly like and you find reliable, then why should you go anywhere else?

The same thing applies to payday loan lenders. As you may already know, there are countless payday loan providers in the market today. Most of them operate online, making it easier to get a glimpse of what they have to offer their clients. With so many choices in front of you, it might be hard to make your decision at times. That is why you have to go through a process of elimination till you find the payday loan lender that suits you best. And I suggest that once you do, stick with them.

There are additional advantages to sticking with one payday loan lender. Most payday loan lenders have the same – or at least similar – policy when it comes to the allowable amount they lend to their clients. If it is your first time to deal with a particular payday loan lender, the chances are that the allowable amount that you can borrow will be limited to a lower value. The specific value will, of course, depend on two main things – the particular payday loan lender that you are dealing with and your circumstances. You can expect amount caps of $300 to $500 for first time transactions. The thing is that when you “return” and borrow a second, third, or even a fourth time, the cap on the allowable amount goes higher. Again, the value will vary but you can expect to be able to borrow anywhere from $1000 to $1500.

Now, if you keep moving from one payday loan lender to the next, you will always be considered a first time borrower. This simply means that the lower cap on the allowable amount to be borrowed will always apply to you. This would not be very important if your need is limited to below $500 or $300. But what if you need more than that?

As such, it is very highly recommended that you take pains in finding the payday loan lender that will suit your needs and preferences in the best way possible. Try out their product and return to patronise their services. In that way, you can borrow what you need in the future.

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Payday loans: keeping it simple.

Life can become so complicated – if you let it. It used to be that people’s lives were very simple. They found ways and means to meet their needs and they lived content lives. Today, with all the factors blending into one another, sometimes, even the simple processes become so complicated that we get stressed out at what we have to go through everyday.

Take a look at loans. Today, if you want to borrow money from a bank or any other conventional financial institution, you would have to go through a long and arduous process in order to get your application in, much less have your application approved. You have to fill out countless sheets of forms, talk to many people, and turn in a lot of documentation supporting your application. Even then, you are not assured that you will be approved for the loan. It is no wonder many people are averse to taking out loans from banks!

It is a good thing that there are financial products available in the market that simplify things. One of them is a payday loan. As the name implies, this product is simply a loan – you send in an application, you get approved, you receive your money, and you pay it back. The skeletal outline of the process is basically the same. Yet when it comes to the particulars, you will see that a payday loan is much simpler and easier on everyone involved.

How do you apply for a payday loan? Since most payday loan providers conduct business online, all you have to do is visit the web site of a payday loan provider. Of course, this means that you have to do some research beforehand. You have to weed through the countless choices that you have in order for you to make the best decision as to which payday loan lender will suit you best. Once you have made this decision, you can fill out the application form on the web site and send it in. This will take you a few minutes – it is that simple and easy!

Once you’ve sent in the application, what should you do? Nothing really, but wait. Waiting for approval is not as stressful as it is with conventional loans. With a payday loan, you should get your response within a few hours. More than this short waiting time, you are guaranteed almost a hundred percent approval for payday loans. This is because they do not look at your credit history or your credit score when going through your application. The main thing that payday loan lenders look at in determining whether to approve or to deny a loan application is whether the borrower has a stable source of income which would serve as the payment for the payday loan. This source of income can either be a regular job or a business owned by the borrower.

Upon approval, you can expect to have your money deposited to your bank account within 24 hours. This can either be less or more, depending on the specific payday loan lender you deal with and other relevant factors.

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Get affordable cash with a payday loan.

With the continuous increase in gas prices, it is not a wonder that the prices of most everything else also are going sky high. From basic commodities to luxury items to financial products – these are all affected by the price increases. And it does not really matter where you live now. Wherever in the world you may be, the economic strains are being felt.

Due to the difficult economic times that the whole world is experiencing, it is but natural to have to face temporary financial problems every now and then. This is especially true for us who are employees, those who work for someone else. What is your plan of action for such financial shortages? Perhaps you look into loans – a lot of people do.

For many people, the primary consideration when it comes to borrowing money is how affordable the payments are going to be. As much as possible, we want to be able to receive the money and then pay it back without sacrificing most of our coming pay cheques. This is but common sense.

One very viable option for affordable cash to deal with financial problems is a payday loan. It is practically like any other kind of loan since you have to borrow money from a lender and then you have to pay back the money to the same lender. Of course, by its very definition, a loan is not something that normally comes for free. When you take out a loan, you have to add on a certain amount when you pay it back.

The question then is how much will a loan cost you? The answer, of course, depends on the type of loan you are taking out and the lending institution that you are dealing with. With a payday loan, you can determine exactly how much you are going to pay. This is because of the fact that payday loan lenders charge their fees in a unique way.

Instead of charging interest in the way that other conventional lenders do, they merely tack on a fixed sum for every certain amount that is borrowed. The fee really depends on the payday loan lender but it can play around $10 to $30. This fee is usually charged for every $100 borrowed. Let’s take a hypothetical example. If you borrow $500, how much will you be paying for charges? Let us say that the fixed fee is $20. Just multiply this by 5 and you’ll get the total charges. In this case, that would be $100. Your total loan amount that is repayable is then $600.

For some, this may seem to be a little bit higher, especially when it is compared to conventional loans. Then again, think about it. Payday loans are much easier and more convenient on the borrower. When it comes to the most important considerations – time, ease, and convenience – payday loans score all the way up there. If the fees seem a little higher, they are definitely worth the benefits and as such the loan becomes even more affordable in the overall picture!

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Using a payday loan as a bridge.

Bridges have always symbolised positive things in life. Bridges make ways for people to overcome and overlook their differences. They help people get from one side to another. They enable people to reach their destination in a much easier way. When it comes to finances, there is something that we can liken to a bridge – a payday loan.

A payday loan can function as a bridge between two paydays. We all know how the hard economic times are affecting every working person around the world and those in the United States are hardly exempt from this. As such, there are times when the average person finds himself without cash to spend for important needs in between paydays. It is but natural and nothing to be ashamed of, really. The important thing is to be able to deal with the financial gap efficiently and effectively.

And that is where a payday loan can function very well. Being a short term loan, a payday loan is meant to deal with temporary cash shortages that need to be addressed immediately. More than this, a payday loan involves relatively small amounts of money – manageable amounts of money. As such, a payday loan is expected to be paid back within a relatively short amount of time as well. This usually means that the first payment would be due on the borrower’s next payday.

A payday loan is perfect for bridging that gap between paydays as they can be availed of in a very short period of time – especially when it is compared to other types of loans. In general, you can apply for a payday loan, have it approved, and receive your money within 24 hours. This time period varies from one payday loan lender to another but the time period plays around this figure. As you can see, this short period of time makes a payday loan the most convenient choice for financial shortages that need to be dealt with quickly.

Another feature of a payday loan is that you can determine exactly how much you will owe the payday loan lender at the outset. This is because a payday loan does not depend on fluctuating interest rates. The idea behind a payday loan is to charge a fixed fee for every certain amount borrowed. So how does it work exactly? For example, a certain payday loan lender charges $10 for every $100 borrowed. If you borrow $500, you will then be charged $50 on top of the loan amount. It is that simple! Following this line of reasoning, it is very easy for you to determine exactly how much you can borrow and how much you can afford to pay back when your next pay cheque arrives.

So, the next time that you find yourself wondering how on earth you can make your pay cheque last till the next payday comes around, try looking into a payday loan. The chances are that you will be able to bridge that gap between paydays with no problems at all.

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