Author: Anita Powell

Many people assume that bank and credit card loans are always more expensive than online peer-to-peer loans. But the majority don’t. If you check the figures for the number of people who are turning to P2P for funding, you will actually be shocked. Many people now prefer these digital loans to others, as they expect to get lower interests. 

In fact, from the last economic meltdown, the popularity of this source of funds has been growing at an unprecedented rate. New companies offering this service emerge almost every day. But what is causing this new trend?

First, it is important to admit that bank loans and credit are more expensive than P2P loans. However, if you lack the right information on how to manage your finances, peer-to-peer loans can be costly to you. Let us say you want to take these online loans, yet you have a poor credit score, you can be sure you will have to shoulder high rates. The good news for people who are responsible is that they can get the loans at low interests. 

What are the Basics?

As we have seen, peer-to-peer borrowers usually pay low interest than the traditional funding options. Why? The companies do not pay rent, as they operate exclusively online. They also employ few people since most of their operations are automated. This way, P2P firms have low overheads. As such, they will not require you to pay too much.

Also, peer-to-peer lending has evolved over the years due to the competition. The companies are implementing policies that ensure as many people as possible use their services. For example, people who urgently want money to buy the right chemicals to help them get rid of bed bugs from their expensive houses can get the loans. If you want capital, you will also be able to access it at the comfort of your home. No one will face restrictions if they approach most of these lending groups. This way, P2P will save your time, as this is an important resource that you do not need to waste. Otherwise, the time squandered can make any perceived cheap loans costly in the long run.

How Can I Get Cheap P2P Loans?

If you are one of the people who say there is no significant difference between peer-to-peer loans and the expensive loans, you have missed something. We desire to see you have a great experience the next time you get a financial emergency and turn to any lending group. 

Make the lender trust you. Do this by being honest with yourself. Think of your actions as your lender does. These people want the guarantee that their money is safe with you. As such, take your time to provide the necessary evidence that point to your creditworthiness. 

At the same time, be very honest. Never allow any lie to come out of your mouth. The digital community creates a platform that makes it extremely easy for these organizations to get lots of data about you. It is better you tell the truth before you are caught.

Moreover, learn the best ways to lay out your case. Make the lenders understand how you will use the proceeds. If there is one thing that you must avoid, it is vague statements or generalizations. Also, prove to them that you are organized. You can do this by proofreading your application and writing in the correct grammar. Avoid typos. Nothing can communicate ‘scammer’ quickly like a poorly written loan application. If you show that you are a conscientious borrower, your cost of peer-to-peer loans will actually be much lower than the others that are out there.

Are Lending Clubs the Answer?

Join legit lending clubs to get peer-to-peer loans. There are several of them all over. Make the right choice. Each of these clubs has different terms and conditions. As such, your choice may also determine the amount of money that you will save.

Yare actually spoilt for choices. Depending on your own tastes or needs, you can opt for MyInstantOffer to obtain high amounts of the loan with low rates. If you click myinstantoffer.com scam, you will find lots of information regarding this popular lending group. You can apply for a loan with them today. Before you accept it, just be sure to you understood the terms of the loan. This way, you can be sure you will have the peace of mind as you use the money to achieve your personal goals.

The Final Thought

Peer-to-peer lending sites, such as MyInstantOffer and others, offer credit in ways that the world has never experienced before. They offer them directly to their clients. Through this strategy, these lenders have cut banks and other intermediaries from the financial system. Because of this, they will not charge you high interests. Whenever you need a loan for any reason, make P2P lenders your first stop to reap the same benefits.

There have been a million dollar questions about bed bugs. Well, don’t be surprised by the different answers because people have different perceptions about them. However, it is vital that you first understand what bed bugs are, then you can opt for other newspeak when you have succinctly understood what bed bugs are.

Bed bugs are small, oval, brownish insects that depend on humans or animals’ blood for survival. Bed bugs have a flat body which eventually swells after feeding on humans’ blood. They don’t fly and can quickly move on flat surfaces such as the floors, ceilings, and walls.

Because there are many rumors about bed bugs, let’s jump in and look at a few of them:

Misconceptions About Bed Bugs

• Just like the name suggests; bed bugs are believed to be found only in beds.
• Bed bugs only harbor in dirty or unclean places.
• One can get rid of bed bugs by using cold water.
• Bed bugs are more active at night between 1 am to 5 am.
• Mattress covers can prevent one from being infested by bed bugs during the night.
• You can kill bed bugs by starvation.

As you were reading some of these myths, I believe you were nodding your head agreeing that you have heard similar claims. But what’s the truth? What’s their possible hiding places? Let’s see…

Possible Hideouts For Bed Bugs in Your Home

Usually, most people believe that you can only find bed bugs in beds. Well, that’s just a tittle-tattle because you can always find them in the least expected areas like luggage, clothing and used couches.

While their bodies tend to swell after feeding on a person’s blood, they can still fit into tiny spaces about the width of a card due to their flattened bodies. Their first hiding places include the mattresses, bed springs, and headboards where they can quickly get access to the human blood at night.

How to Identify Bed Bugs in Your Home

If you’ve been a victim of bed bugs before, then you can attest to this. Usually, they cause discomfort while you are asleep. With the help of its elongated beak, they can feed on your blood by piercing through the skin. Surprisingly, they can feed on your blood for as long as ten minutes until they are satisfied and slur over. What parasite!

When they champ at first, you’ll notice that they are painless but become itchy later on. Usually, people mistake bed bugs bites with mosquito masticate, and as a result, don’t take them seriously. That’s why it’s critical that you know how to differentiate between a bug bite and a mosquito snip.

How to Get Rid of Bed Bugs From Your Home

Having taken you through the rumor mills about bed bugs you probably are thinking of applying some of the techniques to eradicate bed bugs in your house.

Gone are those days when people believed in misconceptions because, with the current technology, there are more effective ways to eradicate bed bugs and WavePest.com lists some modern products that can be used to drive away the wingless insects.

Below are some of the ways to get rid of bugs in your expensive house:

Dismantle Bed Frames

Continuous bug bites can turn out as annoyance if you have tasks you need to complete during the day or the following day. Therefore, dismantling your infested bed will give you easy access to their hiding sites.

If your mattress has been infested too, consider encasing it with mattress safe, so you don’t have to throw it away. This way you’d have dealt with the bugs accordingly as they won’t be able to enter or exit from your mattress.

A note to keep in mind: you should ensure that the mattress casing is there for a prolonged time to suffocate the bugs to death.

Reduce Clutter

You can reduce clutter in your expensive home by removing all movable items from the infested room and putting them in a bag with a protective seal. Bed bugs can quickly move from one place to another; that’s why you’re advised to bag them in treated plastic bags to prevent them from spreading.

Launder Your Infested Garments and Bedding

Washing your clothes and bed linens in hot water above boiling point can effectively kill the bugs. Alternatively, you may heat your infested garments and bed linens in a clothes dryer for a couple of hours since they can’t withstand the high temperatures.

Clean the Premises Around You

Thoroughly clean the area by scrubbing the infested area with a hard brush to get rid of the eggs. You may also use a vacuum hose attachment to extensively clean through cracks on your walls, furniture, and floors.

Performing vacuum cleaning in your infested house will ensure proper penetration of insecticide through the cracks in your home. Bed bugs tend to cling tightly to surfaces, so it’s best to use a vacuum attachment with a scraper to pull out bed bugs from the infested areas.

Finally, Caulk and Seal the Cracks

Caulking and sealing the penetrations in your home will effectively eradicate bed bugs as their harboring areas will be reduced.

Over To You

Bed bugs can infest any house be it an expensive or cheap apartment. So, should you notice their presence make sure that you get rid of them as soon as possible before they take control of your house?

Perform thorough inspection in your house occasionally to prevent bed bugs from harboring around your home without your knowledge.

Lastly, stop hearing it from the grapevine. Bugs do not choose between rich and poor homes. They reside in every human resting place. So, take caution and don’t mistake them to mosquitoes.

The best toilet paper should be absorbent, quick-dissolving, and visually appealing. But expensive? Not necessarily. You can buy a bulk of high-quality toilet paper for less than $100. But if you are really interested in getting the most expensive toilet paper roll, be ready for a great surprise.

An Australian-based salesman of toilet paper, Toilet Paper Man, rolls out the world’s most extravagant super wiper on his website. Since this sale is open for all, anyone can grab a high-quality 3-ply toilet paper roll embellished with 22-carat gold for only $1,376,900. The seller proudly declares that this golden toilet paper roll is 100% safe and usable and its buyer can experience a high level of sophistication as each 22-carat gold flake falls on the floor or toilet at every wipe.

Unfortunately, there is just one roll that Toilet Paper Man managed to produce so any serious taker must rush if he wants to secure this toilet marvel. Once purchased, this single roll of toilet paper will be delivered to your home gift-wrapped – such an irresistible add-on up for grabs.

If you have enough dough to afford the most expensive laptop sleeve, then you can easily buy the one million dollar Luvaglio notebook- the world’s costliest laptop. Excluding value-added tax, this gizmo can be bought for 765,000 Euros, approximately $1,053,558.00, at The Billionaire Shop.

This cool and stupefyingly costly gadget appeared in many tech websites – all demanding an answer to the single most important question: why is it worth a million bucks?

Sure it boasts state-of-the-art specs (blue-ray drive, 128GB solid-state drive, MP3 player, built-in USB stick), upgradable components, and customizable cover (wood, iron, or metal). But these do not justify the sky-high price tag.

Perhaps the laptop’s beautiful diamond ring that functions as a power button and security lock could explain its exorbitant cost. This ring is also detachable and wearable – a feature that might have increased the laptop’s price. Or at least that is what Luvaglio led us to believe.

Upon closer inspection, PC Pro asserts that this one-million-dollar notebook could be just a fabrication. Luvaglio does not have a decent physical office and its CEO evades questions on the product’s particulars. If you are a wise billionaire who loves the attention of your millionaire friends but hates to be conned, you had better dazzle your elite mates with the Tulip E-Go Diamond Notebook worth 355,000 USD. There is more hope that this could be the world’s most expensive laptop ever made.

We have chats with colleagues over coffee almost every day ranging from small talks that build camaraderie to robust conversations that lead us to new ways of thinking, feeling and acting. After all, picking your superior’s brain is a great way to get ahead in your career and perhaps in your personal life. However, there’s one peculiar coffee chat that promises not only mind-blowing conversations but also a staggering bill: $610,000. 

Someone actually paid this amount for an hour of chat over coffee with Apple’s CEO, Tim Cook, at Apple Headquarters in Cupertino.

No, they won’t be served with the world’s most expensive coffee. This coffee date reached this value when bidders fought a hard battle at Charity Buzz Auction. The most desperate and deep-pocketed date seeker won the world’s priciest publicized meeting when no one else placed a bit higher than 610,000 USD during the closing day, May 14, 2013. Proceeds will benefit the RFK Center for Justice and Human Rights. 

The buyer was discerning enough not to disclose his/her identity. Who could he/she be? Who has placed their precious money just to meet Tim Cook face to face? Some critics say it must be just Apple’s way of popularizing the lesser-known Apple CEO. Regardless, this bidding surely sent a clear message that Apple still has a valuable CEO after Jobs. 

South African jeweler Yair Shimansky dazzled Fédération Internationale de Football Association (FIFA) and all World cup fans after unveiling a record-breaking $2.5 million-worth soccer ball – indubitably the world’s most expensive soccer ball ever made yet certainly the only ball that will never get hit by any foot. 

Footballers may fight over the 6,620 white and 2,640 black shimmering South African diamonds surrounding the ball. Fierce competition is expected if players have to struggle over a 3500-carat soccer ball weighing 2.2 kilograms. Who would ever kick away this ball if they could?

Shimansky jokingly confessed that he did not design the ball for kicking. Even if he did, FIFA Soccer Ball Testing Criteria would not approve it. The jeweler might be able to imitate the circumference, sphericity, shape and size of FIFA-approved soccer balls but his diamond-studded soccerball would surely fail their test of rebound, water absorption, weight, and loss of pressure. 

Notorious for ludicrous diamond-encrusted masterpieces

(i.e. world’s expensive tattoo), Shimansky has found a better cause for creating a soccer ball out of precious gemstones. This bejeweled ball could brilliantly remind his fellow countrymen of World Cup 2010 held in South Africa.