Friday Feature Linky Party

Friday Features Bloghop I ‘m late this week, to much going on when there’s so much to do these days. Please visit through the next 5 days to share all your new posts!!
But please join in the fun viewing our features this week, lots of projects, ideas and great recipes.
Thank you for joining us, Wishing you all a wonderful weekend!
Bloghops and Linky parties are a fun way to showcase our blogs and make lasting friendships!  
I hope you all enjoy a beautiful weekend!
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 Each week I share the features and tagging your Instagram account if you are Instagram
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I hope you will enjoy the party and leave me a comment
letting me know what you’re sharing with us so we can have a discussion, I appreciate each and every one!!!
Wishing you all a great weekend!

Don’t forget to catch our Weekly Wordless Wednesday! Hope you will stop by next week
 Wonderful Wednesday Still in Progress Lots To See- And You Can Still Add Links Your There As Well
»»Click »» Started July 31st-Link Still Open For a Chance To Be Featured Hope You’ll Check It Out ««

 If you were featured, pick up the Banner to share in your post »»Click Here«« This Weeks Friday Features On Oh My Heartsie Girl

I am transitioning into a different type of decor as I am on Pinterest to find new ideas as I am sure many of you do and I’m leaning toward vintage/cottage/farm?? Kinda the same but I loved these 3 ideas.

Our Clover House Farmhouse Centerpiece Ideas Our Clover House // Farmhouse Centerpiece Ideas
Common Ground Late Summer Seed BoxCommon Ground // Late Summer Seed Box
Fresh VIntage by Lisa Farmhouse Prayer Bead GarlandFresh Vintage by Lisa // Farmhouse Prayer Bead Garland
Now for some great recipes from my favorite bloggers:

Marilyns Treats Amish Pasta Salad Marilyns Treats // Amish Pasta Salad
Great for summertime get-togethers or really anytime.
ChocolateFudgeMakesAnythingBetter It’s My Sustainable Life // What Makes A Thing Better? Old Fashioned Hot Fudge Sauce
And according to Suzan this sauce could be detrimental to your waistline, but we have to indulge once in a while, right?
Easy Apple PieMommy Evolution // Perfect Easy Apple Pie Recipe
Who can resist an old fashioned apple pie, this looks just like my grandmother’s pie, add vanilla ice cream to indulge.
But the crust is my favorite!
The Little Treasures // Some Like It Hot Clay Necklace
Maya always has a surprise with her talent for crocheting and jewelry making, this is a great addition for summer.

I love sharing this party each week, there are so many talented bloggers whether they are sharing their home, creative crafts or fabulous recipes, there’s just not enough space to share them all. And a comment makes is appreciated! :)

I hope that you enjoy this weekend!

Bloghops and Linky parties are a fun way to showcase our blogs and make lasting friendships!
I hope you all enjoy a beautiful weekend!
And so not to miss any of our events signup to receive notifications.

By Joining in on the “linky party” there is exposure for your
blog and inspiration for all of us!!

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This is Where I ~»~» Party to Get You Started «~«~Great Giveaways Going On This Week ~♥~ Find Them Here ~♥~

Payday Alternative Loans vs. Personal Loans: What is the Difference?

At times, you need some urgent cash. Say, for example, you need to handle an emergency. In this situation, finding a way to borrow some money can be a complex thing. For a good number of people, turning to payday loans is their first option. However, payday lenders take advantage of you by charging hefty interests and fees.Payday Alternative Loans vs. Personal Loans_ What is the Difference

Also, they offer a short repayment period. The other option is taking a personal loan. This option, too, is not easy as you must meet particular criteria set by your bank.  Fortunately, you can now have alternatives to payday loans, called Payday Alternative Loans (PALs). This article will help you understand what the PALs are and how they differ from traditional personal loans.

You probably think that these loans are just alternatives to payday loans because of the name. Well, you’re not alone. Many people will have the same interpretation. However, this is not the case even though they are one of the alternatives to payday loans (others are advances, overdrafts, credit card loans, and peer lending). If you are confused, do not worry as this article is here to educate you.

What Are Payday Alternative Loans?

In a simple definition, Payday Alternative Loans are a form of short-term loans or credit offered by federal credit unions offered to credit union members; they follow strict regulations. Unlike payday loans, credit unions must meet the regulations and requirements of the National Credit Union Administration, a body that regulates credit unions in the United States.  Some of these rules are:

  • The loan must be between $200 and $1000.
  • The interest rate cannot be beyond 28% (but this depends on the set lending rates).
  • The processing fee is not more than $20.
  • You have a repayment term of between one and six months.
  • You cannot take more than three PALs in a span of six months.
  • Payday Alternative Loans cannot overlap each other. This aspect is common in payday loans, though.
  • You need to be a credit union member for at least one month. However, the NCUA enacted new rules in 2018 to eliminate this requirement.

With these rules, Payday Alternative Loans have become more flexible and better than the normal payday loans or various alternatives. However, it is important to note that these rules only apply to federal credit unions offering them. Private credit unions can have other terms, even though they fall under the National Credit Union Administration (NCUA) regulations.

Personal Loans

For a long time, people have confused the Payday Alternative Loans with personal loans. As you know, a personal loan is a form of loan you can borrow for a particular purchase or payment purposes. Mostly, it is unsecured meaning you will not need collateral; some lenders require some security. With this in mind, it is essential to determine the difference between the two loan types.

Differences Between A Payday Alternative Loan And A Personal Loan

These nation21’s dollar 2000 loans differ in terms of eligibility, repayment period, loaned amount, processing fee, etc. Here is an elaboration of each of these differences:

♦        Eligibility

Eligibility involves the requirements you need to fulfill in order to qualify for the loan. Even though the loans are easy to qualify for and have a decent interest, it is not available for everyone. These loans are part of the credit union credit laws. Therefore, one must be a member of the credit unions to qualify for a PAL.

However, becoming a credit union member is not an easy task.  The reason for the limited membership eligibility is because credit unions are not-for-profit organizations. Their purpose is to enable marginalized people to have an opportunity to access credit.  

♦        On the contrary, eligibility for personal loans is not strict. First, you do not need to be a member of a credit union to get a personal loan. Secondly, you can get a loan from any lending agency such as banks, national lenders, online lenders, and peer-to-peer lenders.

Repayment terms

Repayment terms are the next aspect that differentiates personal loans and Payday Alternative Loans. For the PAL, you have a repayment period of one to six months. This term is shorter than the personal loan repayment period. When you take out a personal loan, you have a repayment period of one or more years. This aspect allows you to have a lower monthly repayment. However, it also means you will be in debt for a longer duration, and it might be a good and bad idea.

♦        The loaned amount

As stated, Payday Alternative Loans are short, small loans, so, do not expect to get a huge amount. To reiterate, you can borrow a minimum of $200 and a maximum of $1000 from the PAL lenders. On the other hand, personal loans offer credit starting at $1000 and above. You can get a loan of $60,000 or more depending on your needs. When in need of small amounts to meet urgent needs, Payday Alternative Loans are a good idea.

♦        Similarly, if you are looking or in need of hefty amounts, personal loans are the best alternative.  The loan processing fee and cost

Obviously, each loan has costs and processing fees. Some lenders offer inexpensive interest rates, but make up for that by charging a processing fee and other costs. To shield borrowers from exploitation, Payday Alternative Loans have a capped fee of $20. Lenders can charge below this amount, but not more. Since they are not-for-profit lenders, they charge lower interest. Consequently, the loan cost is lower compared with other lenders.

For personal loans, lenders have different terms. The lenders can have different costs for these loans such as origination, application, and processing fees. Others will not charge you any fee. For those who charge the fees, they can put it as a percentage of the loaned amount or use other criteria to determine it. At times, the charges will be higher than those of PALs.  

It is essential to consider the terms and conditions of personal loans before accepting them. For the Payday Alternative Loans, you are safe from extra charges due to the capped fee rule.

♦        Processing time

When considering a loan, it is important to know the processing time. Shorter processing time is important when you need cash for an emergency. Like other payday credit companies, Payday Alternative Loans have a short processing period. This credit is set to help you handle emergencies. So, you will get money in a short duration, usually less than 24 hours after application.

For personal loans, you will need to wait longer before the loan processing process is complete. Remember, the lender needs to check various factors before releasing the requested amount. It’s clear that if you don’t need more than $1000 for an urgent issue, then PAL is a good option.   

Wrapping Up

In a word, Payday Alternative Loans and personal loans are reliable emergency credit possibilities. They can help you deal with urgent cash needs and purchases. However, each of them has different costs and fees. You need to understand the terms and conditions set before applying for the loan. In addition, each of these loan types is suitable for particular cash needs. Now, you know the difference.
What Do You Know About Unsecured Personal Loans
Familiarize Yourself with Unsecured Personal Loans
Have Bad Credit-Need a Loan-Learn How
This post may contain affiliate links, which means I might receive a small commission if you make a purchase using a link.

Why Keto And Intense Exercise Aren’t A Good Combination

Source: Pexels

So you want to improve your lifestyle. From losing weight to toning up, building muscle, and improving overall fitness, you know it’s a good combination of changing your diet and undertaking a little exercise. You know that keto is great for burning fat, and increasing the intensity of your work out is the best way to challenge yourself. So why not do both, for maximum impact? Great idea – but unfortunately tough to maintain – and here’s why.

The keto conundrum

At its core, the ketogenic diet involves a low carbohydrate, moderate protein, and high-fat meal plan throughout the day. Denying the body glucose, and slow-to-digest proteins, the primary fuel in the body becomes fat – which can lead to a boost in energy. This is primarily due to the body going into a state of ketosis, which is where the body begins to feed continuously on fat reserves when fat from food runs out.A-downside-is-that-without-glucose-in-the-body.-on-a-keto-diet-is-energy-reserves-are-significantly-depleted

If you’re concerned that this sounds like an incredible strain on your body, ketosis is actually a natural process that everybody goes through from time to time, particularly when we’re asleep. An unfortunate by-product of ketosis is that it can make your breath smell a little, so if you’ve ever woken with bad breath for no apparent reason – now you know why! However, another downside is that without glucose in the body, energy reserves are significantly depleted.

Intensity unsustainable

And you’ll notice this no more than when you next hit the gym. Whereas with a good supply of glucose in your cells you may be able to lift heavier weights, run for longer, and recover faster, a body in a state of ketosis may not match your usual levels of performance. So, although you’ll be burning more body fat during the day (and night!), you’re likely to find it tough to increase or match your usual levels of performance.

Another aspect of the ketogenic diet that people find hard to sustain, of course, is the diet itself. It can become awkward when you’re preparing food, eating out, and when you haven’t got enough low-carb supplies in the house to sustain the diet – and the human body is very sensitive to the occasional slip in your food consumption.

Finding the right balance

So, unless you can be sure that you’re going to stick wholeheartedly to the diet for a sustained period of time, it might not be worth the risk. For instance, if you were to eat a few potatoes, your body would instantly switch back to turning carbohydrates into glucose again, and all that fat you’ve been eating would be added to your existing fat reserves (even if you’ve managed to deplete them a little during the diet so far).

A more sustainable way to boost your health, therefore, would be to simply lower the volume of carbohydrates you eat and see how far you can push yourself when exercising. A combination of group training and reduced calorie consumption could be far easier to manage and adapt over time, so be sure to start with a weight loss retreat by Prestige Bootcamp, and plan your meals effectively to slowly but surely maintain a calorie deficit.

Restricting Intake Of Calories Using a Keto Diet
7 Signs That The Ketogenic Diet is NOT Right For You
What Nuts Can You Eat on a Keto Diet?

This post may contain affiliate links, which means I might receive a small commission if you make a purchase using a link.

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