If you were in desperate need for money.... - page 58.

jossiel

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Quote from: Harlot on February 07, 2017, 11:29:45 PM

Quote from: jossiel on February 07, 2017, 07:58:25 AM

Quote from: HarringtonStark on February 06, 2017, 11:10:52 AM

I would loan money and pay it asap when my paycheck arrived.

There are people that even how bad they need it and desperately in need for money but upon going to the bank asking for loan.

They are not qualified because banks are wise and most of the people that are desperate for money are not employed.

And that's a new problem for them and if I'm on that situation I will just going to sell everything I got.

Where will you get the loan from? Because if banks know your broke they won't lend any money. They only loan out money to people who think or at least capable of paying it back with interest. Loaning money is a quick fix that is right but it also has a chance of giving you a very bad position in debt. If I were you ill plan it first before executing any deal with a bank.

There are some cooperatives or other lending companies that allows you to lend even though they know you don't have the capacity to pay.

As long you will collateral them a very valuable thing they will just appraise it for a lower price and they will lend you the amount you want to.

And that depends on how much you need but the favor will be always on them.

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Quote from: KuromaYoichi on February 08, 2017, 11:16:40 PM

if i were really desperate, i would sell some stuff i don't need anymore. Then i would search for another part time job until i got a fulltime job. I also have some shares that i can sell incase something happen. But i don't see that kind of situation happen because at least i have savings and i don't like borrowing money from friends or family.

Lucky if you could sell your unused goods... Usually when we are desperately in need, we try to sell things that are valuable to us, as it is very easy to sell them and make money... Like you, I still prefer to use my savings, and if I am short, I usually make a loan or sell one of my guitars... I usually don't like to borrow to a friend or even family, unless they offer it to me... ( pride ) Cheesy

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if i were really desperate, i would sell some stuff i don't need anymore. Then i would search for another part time job until i got a fulltime job. I also have some shares that i can sell incase something happen. But i don't see that kind of situation happen because at least i have savings and i don't like borrowing money from friends or family.

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Quote from: Ziskinberg on February 07, 2017, 10:15:25 PM

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Quote from: lilit on February 07, 2017, 07:06:51 PM

Most likely first which I ask for money are banks. I'm not sure that the bank is able to provide any on-demand PRSPs required, but would be worth trying. To avoid future problems with that, you need to take on your own business and make money.

If I am in desperate need of money, I am not going to and ask the banks for help because that is not going to give me an assurance that they will give the amount that I need. I will just simply ask my friends and parents to give me money or if they won't give me, probably I'm going to look for a job that will pay after I work maybe for 1-2 hours.

Banks can give you a loan without debt of gratitude, you do business with bank and their job is to ensure you have the capacity to pay before they will lend you the money. If you have a good job that pays you regularly, for sure the bank can help you, you can take a loan as much as you want as long as you qualify on their evaluation. I make loans in banks actually as they can offer me good rates and flexible terms.

Yes I know about that even though I have the capacity to pay my debt the banks interests rate are really killing me when it comes to payment. I don't want to put myself in debt because I worked once in the loaning sector under banking management and I can see a lot of people who loaned to them are not able to pay them and just runaway.

That is part of the risk in running a bank, when borrower will not pay that does not mean they cannot collect it, they have co-makers and they can do legal actions to enforce collections. Borrowing in bank gives us a little percentage of interest to pay only, therefore we should do our responsibility to pay the amount due at the right time, we need our reputation maintain in order have easily approval when asking another loan every time we needed.

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Quote from: Nathan047 on February 08, 2017, 09:13:03 PM

If I was starving and desperate from money I'd get off the internet and work more Wink

That's practical thing to do when you are in need, work, work had and not just tell it to your friend that you are starving. Keep on moving to earn and just rest when the night comes and weekends. Most of the lazy people would just tell their problem ( starving ) to friends or other family members and wait til someone feed them. That's not how to solve money problem.

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If I was starving and desperate from money I'd get off the internet and work more Wink

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Quote from: Doms on February 07, 2017, 11:49:52 PM

Loan sharks are always on the lookout for people who are in desperate need of money. From where I come from, back when microfinancing was still very much unknown, people would go to these loan sharks who would lend you money for a usurious rate of 20%. That is called 5-6, because for every 5 that you are loaned, you have to pay back 6. I remember my parents having no choice in several occasions and just going to these loan sharks. Now the government has considered this as an illegal activity and are offering loans that doesn't require too many requirements and with reasonable interest.

Now is not the time when you can be afraid of those who give money to a loan. But we must understand that these people have the opportunity to pick their own, if there are those who do not want to give debt.

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Quote from: Mr. Big on February 08, 2017, 12:07:04 AM

Quote from: Doms on February 07, 2017, 11:49:52 PM

Loan sharks are always on the lookout for people who are in desperate need of money. From where I come from, back when microfinancing was still very much unknown, people would go to these loan sharks who would lend you money for a usurious rate of 20%. That is called 5-6, because for every 5 that you are loaned, you have to pay back 6. I remember my parents having no choice in several occasions and just going to these loan sharks. Now the government has considered this as an illegal activity and are offering loans that doesn't require too many requirements and with reasonable interest.

Until now, they are still on the streets, offering loans to those small time entrepreneurs... What's good with them is that they are offering loans with less requirement, and take note, no collateral, just have to have a physical store, or your house even without business, as long as you are willing to pay each day when they knock on your door and asks if you are going to pay or not for that day, in short, they are patient when it comes to repayments...

But still, they need to be regulated, just like other small lending companies who are offering a fair interest and legally abiding the law... This loan sharks 5 6, are the greatest competition of those lending companies...

There is a real community that its members lend a really small percentages, with a pledge should be appropriate.

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Quote from: Doms on February 07, 2017, 11:49:52 PM

Loan sharks are always on the lookout for people who are in desperate need of money. From where I come from, back when microfinancing was still very much unknown, people would go to these loan sharks who would lend you money for a usurious rate of 20%. That is called 5-6, because for every 5 that you are loaned, you have to pay back 6. I remember my parents having no choice in several occasions and just going to these loan sharks. Now the government has considered this as an illegal activity and are offering loans that doesn't require too many requirements and with reasonable interest.

Until now, they are still on the streets, offering loans to those small time entrepreneurs... What's good with them is that they are offering loans with less requirement, and take note, no collateral, just have to have a physical store, or your house even without business, as long as you are willing to pay each day when they knock on your door and asks if you are going to pay or not for that day, in short, they are patient when it comes to repayments...

But still, they need to be regulated, just like other small lending companies who are offering a fair interest and legally abiding the law... This loan sharks 5 6, are the greatest competition of those lending companies...

Doms

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Loan sharks are always on the lookout for people who are in desperate need of money. From where I come from, back when microfinancing was still very much unknown, people would go to these loan sharks who would lend you money for a usurious rate of 20%. That is called 5-6, because for every 5 that you are loaned, you have to pay back 6. I remember my parents having no choice in several occasions and just going to these loan sharks. Now the government has considered this as an illegal activity and are offering loans that doesn't require too many requirements and with reasonable interest.

onelove2111

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Quote from: Harlot on February 07, 2017, 11:29:45 PM

Quote from: jossiel on February 07, 2017, 07:58:25 AM

Quote from: HarringtonStark on February 06, 2017, 11:10:52 AM

I would loan money and pay it asap when my paycheck arrived.

There are people that even how bad they need it and desperately in need for money but upon going to the bank asking for loan.

They are not qualified because banks are wise and most of the people that are desperate for money are not employed.

And that's a new problem for them and if I'm on that situation I will just going to sell everything I got.

Where will you get the loan from? Because if banks know your broke they won't lend any money. They only loan out money to people who think or at least capable of paying it back with interest. Loaning money is a quick fix that is right but it also has a chance of giving you a very bad position in debt. If I were you ill plan it first before executing any deal with a bank.

There are some opportunities in which can be hired for a particular type of work for which pay very well and thus earn good money temporarily to fulfill the order. Of course this may not always be right with the law.

Harlot

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Quote from: jossiel on February 07, 2017, 07:58:25 AM

Quote from: HarringtonStark on February 06, 2017, 11:10:52 AM

I would loan money and pay it asap when my paycheck arrived.

There are people that even how bad they need it and desperately in need for money but upon going to the bank asking for loan.

They are not qualified because banks are wise and most of the people that are desperate for money are not employed.

And that's a new problem for them and if I'm on that situation I will just going to sell everything I got.

Where will you get the loan from? Because if banks know your broke they won't lend any money. They only loan out money to people who think or at least capable of paying it back with interest. Loaning money is a quick fix that is right but it also has a chance of giving you a very bad position in debt. If I were you ill plan it first before executing any deal with a bank.

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Quote from: Ziskinberg on February 07, 2017, 10:15:25 PM

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Quote from: lilit on February 07, 2017, 07:06:51 PM

Most likely first which I ask for money are banks. I'm not sure that the bank is able to provide any on-demand PRSPs required, but would be worth trying. To avoid future problems with that, you need to take on your own business and make money.

If I am in desperate need of money, I am not going to and ask the banks for help because that is not going to give me an assurance that they will give the amount that I need. I will just simply ask my friends and parents to give me money or if they won't give me, probably I'm going to look for a job that will pay after I work maybe for 1-2 hours.

Banks can give you a loan without debt of gratitude, you do business with bank and their job is to ensure you have the capacity to pay before they will lend you the money. If you have a good job that pays you regularly, for sure the bank can help you, you can take a loan as much as you want as long as you qualify on their evaluation. I make loans in banks actually as they can offer me good rates and flexible terms.

if we don't have any jobs, then the bank will not give a loan to us and we can not borrow the money. its better to find the job and i am sure that we can found one and if we stick with that jobs, i am sure that we can have the best time for our life and we can earn money too.

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Quote from: lilit on February 07, 2017, 07:06:51 PM

Most likely first which I ask for money are banks. I'm not sure that the bank is able to provide any on-demand PRSPs required, but would be worth trying. To avoid future problems with that, you need to take on your own business and make money.

If I am in desperate need of money, I am not going to and ask the banks for help because that is not going to give me an assurance that they will give the amount that I need. I will just simply ask my friends and parents to give me money or if they won't give me, probably I'm going to look for a job that will pay after I work maybe for 1-2 hours.

Banks can give you a loan without debt of gratitude, you do business with bank and their job is to ensure you have the capacity to pay before they will lend you the money. If you have a good job that pays you regularly, for sure the bank can help you, you can take a loan as much as you want as long as you qualify on their evaluation. I make loans in banks actually as they can offer me good rates and flexible terms.

lilit

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Most likely first which I ask for money are banks. I'm not sure that the bank is able to provide any on-demand PRSPs required, but would be worth trying. To avoid future problems with that, you need to take on your own business and make money.

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Quote from: gabmen on February 07, 2017, 11:25:48 AM

Quote from: hurain on February 07, 2017, 09:54:10 AM

Quote from: t2yax on February 07, 2017, 07:32:15 AM

Well it depends on the situation, if you need it urgently then you can ask a friend or family if they will allow you to give a money. But if not that urgent, and if I have a stable job I think I can loan to that bank so that I can get the money and i can pay it little by little because I have a job.

but to me i think the best idea is not to invest all your money, you must keep some money safe with you for your daily needs or for emergency use and if you fee the need for money so then you must have some money in hand and do not feel the need to take loan from or from a friend because o one know either your friend will have money to lend you or not.

well if we''re talking about being in desperate need, i don't think we'll have the luxury of time here to hink about saving up because you won't be in any desperate situation if you have savings. Desperate situations especially when it involves moeny would place you in a spot where you would need help from others and the closest you can get to that is to get help from your family and friends. though people's character has been tested when this happens on whether a person is trust worthy or not

Money is such a thing, which can even quarrel with family and loved ones. As stated in a proverb that if you want to lose a friend, you lend him money. Therefore it is better to borrow only from strangers.

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Quote from: hurain on February 07, 2017, 09:54:10 AM

Quote from: t2yax on February 07, 2017, 07:32:15 AM

Well it depends on the situation, if you need it urgently then you can ask a friend or family if they will allow you to give a money. But if not that urgent, and if I have a stable job I think I can loan to that bank so that I can get the money and i can pay it little by little because I have a job.

but to me i think the best idea is not to invest all your money, you must keep some money safe with you for your daily needs or for emergency use and if you fee the need for money so then you must have some money in hand and do not feel the need to take loan from or from a friend because o one know either your friend will have money to lend you or not.

well if we''re talking about being in desperate need, i don't think we'll have the luxury of time here to hink about saving up because you won't be in any desperate situation if you have savings. Desperate situations especially when it involves moeny would place you in a spot where you would need help from others and the closest you can get to that is to get help from your family and friends. though people's character has been tested when this happens on whether a person is trust worthy or not

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Quote from: t2yax on February 07, 2017, 07:32:15 AM

Well it depends on the situation, if you need it urgently then you can ask a friend or family if they will allow you to give a money. But if not that urgent, and if I have a stable job I think I can loan to that bank so that I can get the money and i can pay it little by little because I have a job.

but to me i think the best idea is not to invest all your money, you must keep some money safe with you for your daily needs or for emergency use and if you fee the need for money so then you must have some money in hand and do not feel the need to take loan from or from a friend because o one know either your friend will have money to lend you or not.

jossiel

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Quote from: HarringtonStark on February 06, 2017, 11:10:52 AM

I would loan money and pay it asap when my paycheck arrived.

There are people that even how bad they need it and desperately in need for money but upon going to the bank asking for loan.

They are not qualified because banks are wise and most of the people that are desperate for money are not employed.

And that's a new problem for them and if I'm on that situation I will just going to sell everything I got.

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Well it depends on the situation, if you need it urgently then you can ask a friend or family if they will allow you to give a money. But if not that urgent, and if I have a stable job I think I can loan to that bank so that I can get the money and i can pay it little by little because I have a job.

Topic: If you were in desperate need for money.... - page 58. (Read 209059 times)