In fact, Pew Research Center estimates that the average payday loan recipient spends five months out of the year in debt. Payday loan consolidation is one strategy that can be used to better manage payday loan debt. The concept of payday loan debt consolidation—and debt consolidation in general—is quite simple. Pay off your existing loans with a high interest rate using a new loan with a lower interest rate. This way, you're spending less money on interest over time and you're only left to make payments on one loan instead of multiple. Like any financial decision you make in your lifetime, it's best to consider the pros and cons of payday loan consolidation before moving forward. Pro: Potentially pay a lower (better) interest rate. APRs for personal loans range from 6-36%, while the average interest rate for payday loans is 398%. Pro: Have more time to repay your loan balance. Payday loan terms are typically due on the recipient's next payday, whereas personal loan repayment periods are between 12-60 months.
Post Views: 96 Nasal allergy, also known as allergic rhinitis, has been a problem for many people, hampering their smooth day-to-day activities. The running nose along with nasal congestion and constant sneezing can be unbearable, forcing us to take complete rest. This chronic allergic ailment is also associated with itching eyes and headache. But the good news is that this nagging problem can be kept under the leash. So, let's take steps to be in control of this. You can do this in the following ways – Seek the advice of an allergist or fix an appointment immediately, if you have been consulting one. With their special knowledge, they would be able to specify the allergy triggers. Moreover, they also aware of the latest available treatments of nasal allergies. Prepare an 'Allergy Action Plan' after thoroughly interacting with your medical experts. In case you have asthma-like many others, who suffer from nasal allergies, then you should develop an 'Asthma Action Plan'. These action plans are basically documents that list your allergy triggers and common symptoms, as well as the recommended measures that should be taken up to alleviate them, depending upon their degree of intensities of the asthmatic or allergic attacks.