Monday, May 16, 2011

$500 Dollar Loan in Nebraska - Low Interest Not a Payday Loan

Is there such a thing as a company that lends money online that doesn't charge the high interest the payday loan companies. I want to find a lender that is not a payday loan company and lends out $500 dollar advances for a cheaper rate than most of these PDL outfits.

I have not found and companies like this anywhere and I have been looking for a long time. I'm in Nebraska but that doesn't really matter because I am open to getting a loan out of state anywhere in the States.

So if you find any companies that will fund my checking or savings account overnight for five hundred dollars and charges an APR less than the normal payday loan rate. I don't mind paying say $5 for every $100 I spend, but no more than that.

I know that the online lenders are always complaining about the fact the many of their customers are dishonest and default on their loans, and even get the loan in the first place with the full intent of NOT paying it back - BUT that is not my problem. Just because their are crooks out there doesn't mean I should get punished with higher rates. Maybe they should think about upgrading Teletrack and their software packages to screen their applicants better.

So there is my vent. I'm getting mad because I have been turned down for loans so many times.

Tuesday, October 5, 2010

My Buddy Mike and I on a Trip in Illinois

My buddy Mike and I took a trip from our hometown in Karnak to the Windy City last weekend, and we got ourselves in some trouble.

After we left our buddies, we had some car trouble near Dwight when my transmission decided to retire. Of course we were very disappointed to have our trip go off the rails like that, but regardless, we were really excited to be out on the road and away from work.

I should point out, that this short story is a cautionary one, and hopefully others can learn from our mistakes - it's so much easier to learn from someone who has learned the hard way not that most people ever really change their behaviour because of someone else's mistakes.

So there we were - stuck in Dwight with my car broken down and forced to spend half of our play money on repairs. It was a bad start to a trip we had been talking about taking for over six months. Between Mike and I, we had a total of three thousand dollars when we cashed our paychecks in Dongola, and by the time we finished paying for the transmission, labor, our bar tab, food, and hotel, we were down to just over two thousand dollars.

When we finally arrived at the Casino we weren't exactly as excited as we had anticipated we would be when we were dreaming up the trip in the first place. Furthermore, we were very tired from driving, and we knew we had already spent close to one thousand dollars. Almost a third of our seed money.

Both of us needed to freshen up before we went to the Casino, so we just grabbed our keys for the room and went upstairs to crash.

It seemed that whenever I got lucky and got dealt two face cards, the dealer would get blackjack. Whenever I split two hands, the dealer would get blackjack, 21, or 20. I thought the dealer's good luck had no boundaries!!

By the end of the day Mike and I had lost ALL of our money gambling, and Mike had even gone to the ATM and withdrew another five hundred dollars, leaving us feeling like real losers. Even though we both talked about how it was only money, deep inside we were both feeling sick about it.Talk about your instant deflation of self-esteem.

We went back to our hotel room, silently watched television, and rarely spoke - except to remind ourselves that we had no gas in the tank of the car.

We finally fell asleep at around four in the morning and when we woke up we were hung over. We checked out of our hotel room at the latest possible check out time, and slowly walked out to the parking lot, queasy and uneasy. We were not alone of course - there were other losers walking around with the same look on their faces.

All I could think about was how we were going to get some gas in the tank for the drive back down south.

Just when I was about to say something, Mark came across his pay stub in the glove box. He suggested we should go one of those payday loans so we can get some money for food, and gas for the car (I shuddered at the thought of getting money that way, but we were out of options).

It was obviously the only recourse we had left at this point, so we looked in a nearby phone booth directory to find out where all the payday loan shops were in Springfield. We found one that was on our way back south, and looked it up on the map. One that was more well known. Preferably we needed a lender that advertised five hundred dollar loans in just minutes.

So we headed down the highway running on fumes. We were in pretty pathetic shape at the time - you know - young and stupid.

We ended up getting completely lost for awhile, but eventually found a town, and the street that the payday loan shops were on. It was crazy how many there were.

When we went to work the next Monday all of our buddies asked us how we did up North in the Casino. We told the truth, which made us the butt of the jokes for the entire week. Furthermore, we were really broke. Well there you go - two young punks losing all their money in a hurry.

If you ever wondered what a complete "train wreck" looks like, I can assure you, you might want to read this whole post. I took My neighborhood friend with me and hit the highway through Peoria and Champaign on our way, as well, we dropped by to see some friends in both locals. Spent some time talking them out of going rock climbing, and coming with us to the Casino, but it just wasn't meant to be.

Our friends had the right idea for sure, but we love gambling (well we did then - read on), and we were off in a shot. Soon after we left there my vehicle started making some wierd noises near Dwight when my transmission pooched. This was a major bummer for sure and put a small damper on our mood, cars never seem to break down at the right time do they, but regardless, you know the saying - a bad day fishing is better than a good day at work. I should point out, that everything I mention in this piece is 100% factual, and perhaps other young people can avoid losing all their money - not that anyone will read this a and run for the hills not that readers will take anything away from this story. And this is how it was - two young bucks waiting it out in Dwight and forced to spend half of our play money on repairs. We discussed the idea of postponing the trip all together. Between Mike and I, in total we had three thousand dollars when we picked up our pay in Dongola, so when the whole ordeal was over and we had looked after the transmission, labor, our bar tab, food, and hotel, we were down to just over $2000.

As the two of us were driving into the parking lot of the
Casino we weren't exactly as excited as we had envisioned we would be when we were dreaming up the trip in the first place. Furthermore, we were exhausted from the journey, and we were aware that we had gone through up to 1000 dollars. A disturbing amount of our "playing money".

We both wanted a shower and a time out before we went to the Casino, so we boogied on up to the suite and mellowed out. When we pushed the button to bring up the elevator we were more than a little bit tickled to be hitting the blackjack tables. Mike went flying off to the VLTs, and I watched all of the different dealers to see who was killing the players.

I couldn't help but notice then when I struck it lucky and got two face cards, the dealer got lucky. If was ever dared to split my deal, the house took me out, 21, or 20 - I couldn't quite believe how unlucky I was getting. I thought the dealer's good luck had no boundaries! To make things even more frustrating, the players with me seemed to be winning.!

By the time we were to hungry to play anymore Mike and I had totally blown ever last cent we had come with, and Mike suddenly vapourized from sight because he was withdrawing another five hundred dollars, leaving us with a real sinking sensation. This is a sinking feeling of total stupidity.

We went back to our hotel room, and didn't say a single word to each other - save for the weak attempt at taking our minds of what just happened. We closed our eyes in the wee hours and when we woke up we were hung over.

As he sat there having his puff, I was brain-storming a way to get some 87 octane into the gas tank for the drive back down south.

I thought about it for a few minutes, and realized he was right, so we looked in a nearby phone booth directory to find out where all the mini loan organizations were in Peoria. We found one that was on our way back south, and looked it up on the map. We wanted a lender that provided $500 dollar loans in just minutes.

We finally got moving stopping to share a Mcdonalds Egg McMuffin with our last two dollars.

We were both more than a little bit concerned with our lack of petrol, praying we would have enough fuel to get us to the loan shop and praying we would have enough fuel to get us to a gas station after we got our three hundred dollars. We really appeared to be exactly what we were - you know - young and stupid. We started to laugh at one point when we got mixed up on our directions, but we still had the engine running, and we found where the paycheck loan establishments were on.

When we are back down South, and in the work place again our friends were all over us with questions about our trip in the Casino. The word got out eventually that we were big-time losers. Furthermore, not to mention we didn't have an extra dime to our names. End of story - silly boys.

Wednesday, September 29, 2010

Thursday, December 10, 2009

Kubota Equipment

Kubota have had the compact range of equipment sewn up for years now with many a new kid on the block trying to steal a march.

There are a number of products that maybe, just maybe, are gaining traction but for me Kubota are still the number one.



Kubota 1100s
Kubota 4030s
Kubota 500 Rtvs
Kubota Accessories
Kubota B2320 Tractors
Kubota B2710s
Kubota B4672a Backhoes
Kubota B6000es
Kubota B7000 Tractors
Kubota B7510 Hsds
Kubota B8200s
Kubota Bh90s
Kubota Bx Cabs
Kubota Bx1800s
Kubota Bx2230 Tractors
Kubota Bx2660 Tractors
Kubota D722s
Kubota Diesel Generators
Kubota Engines
Kubota Front Ptos
Kubota G2460s
Kubota Generators
Kubota L225s
Kubota L245dt Tractors
Kubota L2850s
Kubota L3130s
Kubota L3940 Tractors
Kubota L4400s
Kubota Lawn Mowers
Kubota Light Brackets
Kubota M5700s
Kubota Mini Excavators
Kubota Radiators
Kubota Rtv Heaters
Kubota Seat Armrests
Kubota Super Udts
Kubota T1880s
Kubota Tractor Parts
Kubota M Series Tractors
Kubota V2203 Diesel Engines
Kubota Zd331s
Used Kubota Lawn Mowers
Used Kubota Tractors

I purchased the three cylinder, diesel Kubota B7001 compact second hand and I have to say, just like the ones we hired in, it does everything it says on the tin.

I have just rotovated an area of ground that has been used as a infill for a while so it had it's fair share of stone, brick, some plastic and wood yet the Kubota handled it with ease.

Not only did it rotovate in low third gear without power loss but it managed to deal with a very steep incline (as seen in the picture), although I did have to use the four wheel drive and differential lock to keep good traction.

Whilst the tractor unit itself is no where near new - I bought it from a local dealer but it has been imported from China - it is excellent condition and (touch wood) has several good years life left in it.

On the back I have an Agric ALJ35 98cm wide rotovator which makes easy work of the firm soil and chops it up finely.

A little note of interest if you are planning to hire in a tractor/rotovator combination to prepare a new lawn, clean up a vegetable patch or prepare some newly levelled top soil.

Use low first gear to chop up the ground. This will help to create a workable top to start with. After you have prepared the top surface, changed to third low gear. The extra speed will allow the unit to act like a leveller-grading machine.

Friday, November 20, 2009

How Cool are Kubota Tractors??!!!

So we had our backyard landscaped the other day and the contractor brought a small little excavator/backhoe and I was blown away by how well it worked and how nicely it maneuvered around the dirt, and the obstructions. I was so impressed that the name of the mini-excavator stuck in my head - KUBOTA. Below is some information on Kubota Tractors and such.

The Strength of a Big Machine in a Compact Excavator
In addition to superior horsepower and performance, the Kubota U17 delivers low noise and vibration levels, exceptional fuel efficiency and compliance with the Environmental Protection Agency's 2008 Tier IV emissions regulations. The Kubota D902-E3 engine teams up with an 11.9-gallon-per-minute hydraulic pump capacity to boost versatility for a wide range of tasks. For additional efficiency, the dozer arms on the U17 are extended to optimize clearance between the dozer and bucket, making soil and rock collection close to the machine simple and efficient. The U17 has plenty of power for heavy loads and tough excavating jobs with a quick coupler and bucket breakout force of more than 3,000 lbs. And, with a compact 3-foot, 3-inch overall width, the U17 is small enough to fit through almost any gate - but with the machine's hydraulic, expandable variable width tracks - the U17 offers balance, stability and functions "big enough" to get the job done.

Safe and Comfortable Operation with Easy Maintenance
From safety features to enhanced operator comfort, the Kubota U17 is equipped to be efficient and productive. The Roll-Over Protection Structure (ROPS) canopy ensures safety and security on the job. Dual- flange track rollers reduce de-tracking on slopes during operation, while the tie-down rings provide a convenient way to transport the U17 safely when it is not in use. The high-back suspension seat provides optimum comfort while the two-speed travel switch on the dozer lever allows for faster operation while freeing up space on the floor for a wider foot area and lessened operator fatigue. With protected, top-mounted, boom-cylinder, motor hoses and front hoses, repair costs are reduced and durability is improved. Operators can also trust the advanced technology of the U17's digital control panel that provides alerts when maintenance is due.

Working Range and Optional Implements
The Kubota U17 has an 11-foot, seven-inch maximum digging height, and an eight-foot maximum dumping height to reach elevations needed for virtually any job. Combine that reach with a seven-foot, seven-inch maximum digging depth and the U17 is as versatile as it is powerful. To further worksite versatility, optional implements for the Kubota U17 include buckets, spark arrest muffler, travel alarm, hydraulic auger, canopy lights, quick coupler and hydraulic hammer.

After the experience of seeing the Kubota mini-excavator in action, I had to write about it a little bit and build a site on it too. As with all the sites I make, I make a link here to promote it a little bit.

Wednesday, November 18, 2009

Do It Yourself Solar Heating Systems

I've been asking this question allot these days on my blogs. Where can I buy an inexpensive solar water heating system that works really, really well.

Monday, February 9, 2009