Jul 27, 2012
Car loans and financing
Benefits and disadvantages of getting a car loan
If you’re in a tight spot and need money immediately, you can have it in a day or two if you own a car that is fully paid off. Be careful though as it is your car that is at risk. The beauty of a car loan is that it does not require approval as the car is paid for and there is no credit or background checking other than a simple inspection by the lender to ensure that the car is worth at least the amount you need to borrow.
How car loans and financing works
Car loans are usually for a month and it is easy to fall behind in payments if you are not careful. You should only do this kind of loan if you know you can make full payment as for every month extended the interest rate rises and it is difficult to catch up. This is the time to think carefully as the prospect of immediately getting a large sum of money can seduce you into putting up your car when it is not really necessary.
Advantages of getting a car loan
• You get the money the same day,
• There is no background and credit check,
• While you have the loan you can give the title and keys to the lender and still drive the car.
Disadvantages of a car loan
• Because of the short period of time for a car loan to be repaid you risk losing your car.
• If you default in the payments they will take control of your car and sell it to make money. You will then have the expense of a car lease.
• Only use a car loan if you know you can pay them back in full.
What you should know about car loans and finance
A car loan payment is usually due within a month and has a ridiculous annual interest rate. The unfortunate fact about car loans with money instantly available is that it seduces the borrower and he makes a decision which he would not normally have made and which he might regret. A better way to go is to approach a car finance service who works with dealers in the industry to shop around for you. In the meantime you can get emergency cash by making cash advances on credit cards, getting small consumer loans or procuring advances from your employers. When it comes to car loans, car leases and finance it is always better to work through an expert.
http://www.raydajacobs.blogspot.com
Jul 26, 2012
Austerity and righteousness in the month of Ramadan
Every eleven months Muslims welcome the chance to clean up their act and devote themselves to prayer and contemplation. During this month God gives everyone a chance to start fresh, refrain from transgression and turn over a new leaf. It is a time to give up your selfish needs, to refrain from envy, jealousy, anger, and arrogance. Prayer, the act of believing and acting upon your good intentions is a Muslim’s passport to a spiritual afterlife.
Islam is approximately 1400 years old. When God ordered that Muslims fast for a month from just before dawn to sunset, the holy Prophet Muhamad, the last of God’s prophets, would retreat to a cave in the mountain where he would spend a month in prayer and contemplation. His sustenance to break fast would be water, goat’s milk, and a few dates. His example to his Companions and followers was of a man of piety and righteousness and God chose this last prophet to bring the message to the people as revealed in the holy Qur’an as he was the most beloved prophet of God. The month of Ramadan should be spent in doing righteous acts and remembrance of God.
One should not engage in acts of lewdness as it taints the soul. One should not gossip or cause anyone harm by the tongue as it ruins lives. One should not participate in adulterous behavior and cause family destruction. Instead, one should use the time in introspection and self-examination in order to rid ourselves of the contaminants of an unclean life. Ramadan is a chance for anyone to change his or her life. These acts of devotion are a lead-in to better understand God and what it is that God wants from us. For Muslims, the revelations of God as revealed to the holy prophet Muhammad and instilled in his heart was a direct missive from God and the Qur’an is a guide for Muslims to follow and abide by if they want to live pure and spiritual lives. The prophet received revelations over a period of 23 years.
Ramadan is one of the five pillars of Islam and one of the keystones to help us improve our spiritually impoverished lives.
http://www.raydajacobs.blogspot.com
Jul 24, 2012
10 pieces of advice which made me believe in myself
1 At 12 when my first story was rejected, my mother said, don’t you worry, my girl; you’ll see, one day you will be published. I never gave up hope.
2 When my father learned that I had published my first collection of short stories, he was surprised and said, don’t get wild now with the money. Put some of it away.
3 When I said to my mother once that I wanted to be an actress, she said she did not like me being on stage, but quietly she made me some new dresses.
4 When I was accused of having too much imagination by my religious and strict grandmother – God rest her soul – my grandfather put me on his lap and said that I must keep reading and bought all my comic books on a Friday night to my mother’s house.
5 When I saw Jailhouse Rock with Elvis Presley and wanted to sing at the school concert, my grandmother said no. My grandfather paid for the singing lessons. I sang in a variety show and at the Goldfinger Lounge without my mother’s knowledge. I was 18 then.
6 When I wrote Confessions of a Gambler, and it won a literary prize, one of my relatives said, ‘okay, so you can write; now what? Can you make a film?’ I wrote the script and made the film. It screened and opened at the Dubai Film Festival and many other countries.
7 When I got the bright idea to make a documentary with just one brother and myself, another relative said that I should stop dreaming and that I should get a regular job instead of wasting my time. I made six documentaries on a shoestring budget and directed the film, AND I realized a big dream by playing the lead.
8 One of my uncles heard about my success, and said I would amount to nothing. I remember it clearly because it was the day my mother wrote him off.
9 When auditions for the film started my friends asked: ‘what do you know about directing; artists don’t make money.’ They all came to the screening and filled up most of the seats.
10 When my mother was in her last moments of life, I stroked her hair as she struggled with her last breath and told her she had been a good mother to me and that she must not be afraid, she must go now. She died as I stroked her hair.
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