Payday Loans

A payday loan is a form of short-term debt that doesn’t require any collateral assets. The interest rates tend to be higher than personal loans because the debt is paid over a shorter period of time (around 7 to 30 days). However, the rates will still ultimately depend on the borrower’s income.

Micro Loans

Micro loans are issued by individuals or non-profit organizations instead of banks or traditional financial institutions. The borrowed funds may come from just one lender, or a group of multiple lenders may pool their money to come up with the loan amount.

Personal Loans

A personal loan is usually unsecured and based on your income. Since they come with low-interest rates, you might feel tempted to get one. Here are a few things that you should know! Credit score matters The personal loan doesn’t include collateral, so this means that the credit score is very important to the lender. …

Personal Loans Read More »

Down and Out in the Magic Kingdom

Down and Out in the Magic Kingdom is a 2003 science fiction book, the first novel by Canadian author and digital-rights activist Cory Doctorow . Concurrent with its publication by Tor Books , published under the Creative Commons license, the author of the book is authorized to publish it. The novel was nominated for the Nebula Award for Best Novel in 2004.

Culture series

The Culture series is a science fiction series written by Scottish author Iain M. Banks . The stories center on the Culture , a utopian , post-scarcity space society of humanoids , aliens , and very advanced artificial intelligences living in anarchist habitats spread across the Milky Way galaxy. The main theme of the novels is the dilemmas that an idealistic hyperpowerdealing with civilizations that do not share its ideals, and whose behavior it finds repulsive. In some of the stories, action …

Culture series Read More »