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Summer sun is out and a good dip in a nice, cool beach, sipping cold fruit juices and eating native delicacies seem to be in everyone’s agenda. As such, my little daughter and I are planning our next Summer get away scheduled in a month’s time. And as much as I’d like to treat my little girl to some fancy 5-star hotel accommodation, we will have to choose something less expensive and more affordable without sacrificing the comfort and safety of my family.A search for the best inns and travel lodge hotels generate a long list of affordable accommodations. And as I check each site, I found myself weighing more than two choices. Each one offered different accommodations and amenities and here are some of the observations and considerations that I drew up based on my last year’s travel:1. Travel Lodge Hotels are all the rage. With the recent economic slow-down, people have either put off taking vacations or have chosen closer destinations, all to save some money. But I realized that travelling and vacationing has become very affordable during these times with the presence of travel lodge hotels. A number of tourists are seeking to discover new culture, new food to taste and new adventures, and this kind of accommodation provides them a comfortable place to sleep in at night.2. Travel Lodge Hotels are budget friendly. With prices ranging from USD 35 to a high of USD 100 a night, depending on your choice of tourist spot, these hotels provide affordable accommodations. This gives you more flexibility on your budget, and gives you more room for sight-seeing, dining out and yes, shopping. Check out vacation packages being offered by these types of accommodation. They carry amazing value rates for all types of travelers: family vacations for an affordable rate on family rooms and free breakfast packages; backpackers who wish to see multiple city locations; couples on weekend escapades etc.3. Travel Lodge Hotels are safe and clean. Known for consistent clean and comfortable accommodations, these travel lodge hotels are also known to make the safety of their guests a top priority. At the one I stayed in, fire extinguishers and fire exits are duly identified at each floor. Fire alarms and exit maps are also evident in every room. Furthermore, 24-hour security is carried by these places, and the obvious presence of guards, hotel staff and concierge assures you of a peaceful and secure slumber.4. Travel Lodge Hotels are known for personal touches, and hospitable ambience. Similar to bed and breakfasts and inns, these travel lodge hotels pride themselves of that personal and homely feeling we travelers like to experience. With friendly and caring service, we can be assured of nothing but top of the line hospitality.5. Travel Lodge Hotels can be found in notable, ideal and key locations. There won’t be much of a hassle if you need to tour around the city’s famous landmarks or to look for local convenience store or a doctor’s clinic. As businessmen often use travel lodge hotels for their accommodations, you can be assured that the place has free wiki and office amenities giving you access information to the city’s best beaches, clubs or noted tourist destinations.Having found all these in my choice of travel lodge hotel, I am well on my way of taking my little daughter for some good rest and recreation. More importantly, we are set to experience a one of a kind summer vacation within our set budget.Happy summer!

What Are Payday Loans?Payday loans, sometimes referred to as payday advances, are short-term, unsecured loans, usually for small amounts. The only collateral that is generally required to apply for these specific loans is some form of employment records, like pay stubs, although the term payday loans has become a shorthand for any type of small, short-term loan even if it’s not technically backed by a direct reliance on a borrower’s next paycheck. Payday advances, like any loan vehicle, are regulated heavily. These regulations vary widely from state to state in the United States, and from country to country internationally.Payday Loans Are A Booming BusinessPayday lenders have had seen booming success worldwide, and credit that success to offering a service that was not formerly available. They point out that emergency cash loans offer an attractive alternative to people who are not able or willing to use less expensive conventional routes to borrow money. Some companies that offer emergency cash advances in the UK have described their approach as a handy financial service for young, Web-savvy borrowers, accustomed to the ease and convenience of instantaneous online communication. These applicants often feel left out of the conventional banking system. Today’s modern consumer, raised entirely with social media, can even apply for these micro-loans using their smartphones, with money transferred to successful applicant’s bank accounts within minutes.Compare Payday Loans With Other Loan TypesMany types of short-term loans can seem expensive when the fees associated with the loan are factored as yearly APR. For that reason, payday lenders prefer to compare their loan products to bank overdraft fees and other charges that traditional lenders use to recoup funds. Many payday lenders don’t even characterize their business as banks, simply as another form of Internet technology, used to connect willing borrowers with willing lenders.Payday Loans Are Available 24/7As traditional outlets for loans become harder to find and are requiring larger and larger amounts of paperwork for even small loans, payday advances have stepped in to fill the vacuum. They’re available day and night, seven days a week, and in many cases the process is so fully automated that loans are granted without the borrower ever having to speak to another person. After applicants have established a track record of successfully paying off cash advance loans, some lenders only require applicants to text the amount of the desired loan, and the term of the loan desired, and the money is instantly made available.So Why Would I Pay the Added Interest?Sometimes it’s an unexpected emergency, or it may be that an opportunity has come up you couldn’t possibly pass up. Is it tickets to the playoff? Has a friend obtained access to ringside seats at the “fight of the century”? Or maybe you have committed an unforgivable sin and forgotten your significant others birthday…Whatever the reason, you’re short on cash. If you haven’t got credit cards and maybe your friends and family are not in a position to help out. What do you do?It’s increasingly common for those in immediate financial need to approach a short-term lending company for a “payday loan”. These loans are often unsecured, meaning the borrower has no collateral to provide. This makes the loans a high-risk cash advance for the lending company. If the borrower bails, there’s nothing of value to collect. They compensate for the increased risk by charging very high-interest rates.The applicant usually must provide proof of employment, and government issued identification. The idea is that when the applicant’s next pay check is issued, the funds will be used to pay off the loan. In some cases, the loans may be made for the borrower to purchase a car or other big-ticket item. In these cases, there is somewhat less risk involved for the lender. The item may be re-possessed should the applicant fail to repay the loan as promised.So What is the Bottom LineCompanies around the world offer payday loan services including Canada, the United States, Australia and Great Britain. The rules and regulations regarding how much interest may be charged, and limits on the amounts of the loans vary depending on the country, state, province or county where the payday loan company is located.The industry is growing; possibly the fastest in the UK, where there are fewer regulations on how payday loan companies may operate. UK firms have expanded into Canada and Australia. In a few states in the United States, super high-interest loans (such as those provided by payday loan advance firms) are illegal.On the spot check-cashing is another service that is frequently offered by payday advance companies. Perhaps the customer does not have a bank account or wants immediate access to the cash. A flat charge or percentage of the check amount will be charged as a fee. Short term loan companies often open early and close late to take advantage of those who need immediate access to cash.Many companies now offer online applications for payday loans. They usually offer a quick decision on the client’s application, sometimes within an hour. The cash can then be deposited into a bank account or collected by the borrower at a company office.