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The first thing that jumps out to people in Dubai who are new to fast payday loans is how high the interest rates appear to be. This impression comes from the high APR, of course. However, this really shouldn’t be a cause of concern, and we’ll explain why in this article.

Annual Percentage Rate (APR)

When you’re looking at the APR (annual percentage rate), you should be very aware of the fact that this is the amount of interest that you are going to have to pay if you have the loan out for a year. Legally lenders have to provide the APR rate for all of their loans.

For most kinds of loans, this is very useful as, for one, most loans last for more than a year, but people like to account for their spending in a year. However, when it comes to fast payday loans, which should only be taken out for a month, the APR is not useful.

The way that a payday loan works is that you make the application online, and whether that application is accepted or not is going to come down to whether you make enough in a month to be able to pay it. That’s because you have to repay the loan, including all of the interest charged in a month.

Nobody should have any problem being able to see from this that the APR is not the appropriate way to measure the interest rates of a payday loan. Indeed, it will only ever tell you exactly how much you have to pay if the loan lasts for only a year. So with a long term loan, you usually end up paying more in interest than the APR suggests. And with a short term loan, it is going to be less.

So when you judge a payday loan based on the APR rate attached to it, you are going to end up imagining that you would be charged a lot more in interest than you actually would be if you repay on time. And when you look at how much long term lenders and payday lenders charge overall if you do repay on time, it ends up being about the same usually.

When to use Payday Loans

You do have to be careful about how you use payday loans, though, that that applies to all kinds of credit. Just because the amount of interest charged turns out to be about the same, that doesn’t mean they can be used in the same way as conventional loans.

One of the main reasons that people take out conventional loans in Dubai is so that they can get, right now, something which it would otherwise take them a long time to be able to afford, like a car. In a sense, they are able to do the saving in the future, in the form of the repayments they have to make on their loans.

You can’t use a payday loan in that way, though. Not unless you can afford to pay for a car out of a month’s salary, in which case you should probably wait in any case. Usually, the way they are used, instead, is to make payments on ordinary things that you don’t happen to have the money for.

From looking at the way that payday loans are structured then, you should be able to see that they should only really be used in an emergency. Any time that you need money urgently to make a significant payment, on a utility bill or rent, for example, will be a good time to use payday finance.

When you need money badly enough to be considering fast payday loans it will probably be an appropriate time to use them. And as stated, you don’t have to worry too much about the APR, as the interest rate is not as high as that makes it appear.

Should you happen to be in a circumstance when you require payday loans, check out UAE Loan Bazaar for the best rates offered by various lending companies in Dubai.

League of Legends is a flagship game of Riot Games. It is one of the top games on the list of MOBA games. So, this is definitely a popular game. But, how popular is it exactly? Do people know it as much as they know PUBG? Well, let’s find out, shall we?

In October 2019, there was a survey of the most played MOBA games in the world. League of Legends was the top in the list, followed by games like DOTA 2 and Heroes of the Storm. Since its release it 2009, League of Legends has been rising in popularity and there is no sign of its popularity becoming less.

Ok, the game is super popular, but what makes it different? 

There are many other games similar to LOL but none of them are anywhere near it. Why? Nobody really knows. However, there are predictions and assumptions. The PR team behind LOL has made such a big influence on the mindset of gamers that gamers find no other game as interesting as LOL.

League of Legends is not just limited to gaming. There is a huge community of fans out there who promote the games through merchandise and other things. This is what makes this game more than just a game. It is a lifestyle. People are so obsessed with LOL that they create websites to help gamers play better. They want the game to become more well known. There are websites that offer gaming tips. There are websites which provide League of Legends ping test tools. 

The League of Legends ping test tool helps LOL gamers find the region with the best latency. Users can then customize their game to connect to the nearest or the best server and play the game with a lower ping. There are many examples of websites like these that have been built with the purpose of supporting and helping gamers play the game without glitches. 

Does this tell you about the popularity of the game? Yes, the game is extremely popular. The popularity may not be expressed in words nor measured in figures. It can be assumed and it can be felt. Gamers who have played this game for a decade tell us that they find the game becoming better each year. There are updates every few days and with every update, more interesting features are added to the game. This tells us that the game is going to get more popular and one day people may play this game more than they play PUBG.

Why is it not so well-known as PUBG?

Talking about PUBG, it caters to a different audience. So, there is no competition with PUBG. LOL has its own audience base. It targets a certain age range which is not the same as PUBG. However, there are gamers who have known this game long before they knew about PUBG. Doesn’t this tell you more about the popularity of this game in the gaming community?

Proper exam preparation is a great way to open yourself up to the best opportunities and to help lead the way of bringing your life on the right track. There are many strategies that will dramatically help raise your exam scores and bring you the best possible scores. Getting ahead in the game when it comes to various exams will bring you the highest possibility of success and you will be able to achieve your goals to the best of your abilities. Nurturing your skills will tone your brain to help you become the person you want to be.

There are so many reasons why you should practice exam preparation, as well as tons of ways to do it. When you pass important exams, you will open yourself up to new roads along which you can create the best career and unleash all of your potentials. You will be able to get into the best college and the highest paying jobs if you do well on exams you have adequately prepared yourself for. If you can get all of the information you need to be prepared for your exams, whether you are applying to a college or you want to get a good, high paying job, your best resource is yourself.

There are many places you can go for exam preparation. You will be able to get study materials from a guidance counselor or some other worker who will be able to supply you with such things. It is a good idea to take a practice test as well, and this might be available from the place in which you will be taking your exam. This will give you a good expectation of what the exam will look like and what kind of questions you will be answering. You will also be able to find out what format the test is in, and how much time it will take you to complete each section. You can also evaluate the cumulative grade point average or CGPA of your previous exams so that you can get an idea of what you have achieved till now and what more is expected from you. In previous exams, if you got your score in percentage then you can convert it into CGPA. To convert your mark score percentage to CGPA click HERE.

One of the most important things about exam preparation is how you behave at home before the exam. It is very crucial that you get a good night of sleep the night before the exam. You will want to be awake and focused. If you can’t get a good rest before the exam, you should at least try to take a nap for a couple of hours before the exam. Be sure not to sleep too late and miss the exam! 

All in all, you will find it very simple to prepare yourself for any exam. Remember, if you have a family, or expect to have one someday, these exams will determine how you will be able to support them. When you have people depending on you, you have to make sure you are responsible and seek out all sources of information relevant to your exam for the best chance of success.

Are you a Roblox enthusiast? If so, you have come to the right place. In this post, I’m going to talk about a simple way to get access to thousands of free robux. The means through which this is done is simple and legit. This is a less known method and not many players know about this. However, you, my dear reader, are a lucky one, as you will get to know this exclusive method for getting free stuff on Roblox. 

So, what exactly is this exclusive method for generating free robux? Let’s find out.

The whole process takes just two minutes and you can do it on www.buxgenerator.com. This is a website which has a team of gaming enthusiasts behind it. With the help of this tool, you can get robux for free and that too in a matter of minutes. Want to know how it works? Continue reading.

The process is completely hassle-free and can be done with a simple tool which the creators have named as “bux generator”. Here is what you need to do to make it work:

1. Visit the website
2. Insert your username in the space provided
3. Click on submit
4. Choose the number of robux you want to generate
5. Click on submit

The tool takes a few seconds to process and connect to the Roblox server. After the servers get connected, you will have to go through a captcha. You can proceed after selecting the right images as instructed in the captcha. Once you do that, you will have access to your free robux. Check your robux inventory. You will be surprised.

The best thing about this method is that it is undetectable. This means that you can generate and use free robux more than once. Your account will be safe as there is no requirement of sharing your password. You just provide your username. That’s it.

This tool is being used by Roblox players from all over the world. More than 1000 users come to this website and get free robux every day. While getting robux is great, getting free robux is even better. So, if you are a true Roblox fan, you have to try this free tool and see how much robux you can generate. 

There are many other tools similar to this. But, this tool is considerably better than the rest because there is no sharing of password and no download prompts involved. This is what made me come to the site and check it out. Initially, I had some suspicions. However, I was surprised to find that it actually worked for me.

Did you find this article helpful? Share your thoughts with me. Also, let me know what you want to read about on this blog. Ask questions, suggest new topics, share ideas. Do all that in the comment section. I am always glad to interact with my readers.

These days people famous on IG are like celebrities. Well of course, who doesn’t want to be famous? Are you ready to get Instafamous? Today I am gonna share with you the tricks and tools that helped me to get 50,000 followers on Instagram. So here we go:

1. Like Potion 

Like potion is an app that helps you to increase the number of likes you get on your Instagram posts. When you open the app you will see other people’s posts which you can like to receive a star or you can skip to another post if you don’t want to like the post, you spend the Stars that you’ve collected alternatively in exchange when people like your posts. If you don’t want to like other people’s posts you can even buy stars. In order to receive likes, you can buy 250 stars for $0.99.

2. Schedule Gram

If you’d like to set and forget your updates and want to make sure your posts are published at a specific time and date, then Schedule Gram is a very handy tool. Schedule Gram currently costs $20 per month per account and costs more if you have more than 10,000 Instagram followers. 

3. Repost 

Since you can’t share other people’s Instagram posts within the Instagram platform you need a tool like repost which allows you to share other people’s posts on your account. Once you’ve installed the app on your phone log in to your Instagram account and click on the three dots on the top right-hand side of the post you want to share and select copy, share URL, and the post you want to share will appear on your repost app. Now simply click on repost and the post will be published on your Instagram account.

4. Crowd Fire 

You can manage your Instagram account in just a few minutes a day by using this app. It analyzes your account and tells you which task you should be performing. If you haven’t posted on your account for the day this app will send you alerts and also give you a post suggestion to publish. All you need to do to get started is go to the crowd fire app and sign in using your Instagram or login details, then simply follow the prompts.

5. Peak Flow 

It is an amazing app that allows you to create more interesting and more stunning Instagram posts, as it turns your pictures into slideshows and you can add background music to them too. Simply install this free app on your phone, upload the images you want to create a slideshow with, add background music and then click on preview to see it before it gets published on Instagram.

6. Small Text Generator

This tool helps you to create small fonts and fancy fonts. You can use any small text generator available for free on the internet to generate unique small fonts. And yes, it’s possible to copy and paste the small text generated into your Instagram bio.

I hope that these tricks and tools will help you to get more likes and followers and become a star on Instagram.

London is one of the busiest cities in the world. People from all over the world come to visit this marvellous city. It is, in fact, one of the best travel destinations in the world. However, London is not known much for its nightlife. While you may find a lot of places to visit and see during the daytime, you may want to know the best way to spend your nights in London. But don’t worry, actually there are plenty of things to do in London at night; from night clubs to spectacular views of iconic buildings. Read this post till the end to know the best things to do in London at night.

• London Eye

There are exotic restaurants and cheery bars in Southbank, but the iconic London Eye is fabulous at night. Located on the South Bank of River Thames, London Eye is a giant Ferris wheel, standing at 443 feet with diameter 394 feet. It provides breathtaking views over the Houses of Parliament and down the Thames.

• The Ceremony of The Keys

The ceremony of keys is a well-known ritual in London. It is a centuries-old tradition of locking up the Tower of London. This free of cost event takes place every night, but due to lack of space, you have to book your tickets months in advance.

• Sky Garden

Sky Garden is an absolutely perfect place to enjoy the spectacular view over the city as the sunsets. Situated in Fenchurch Street, it is a free public garden at the top of London’s “Walkie Talkie” building.

• The Shard

The Shard is the tallest building not just in London but  in the entire Western Europe. If you want to dine with a view, The Shard is a place worth a visit, where you can eat with the whole London twinkling below your feet.  Along with glamorous restaurants, you could go for shopping as well, as there are shops spread throughout the floors.

• Museums

Visiting museums is a great way to spend your evening in London. Taking advantage of late openings, you can visit them when they are not as crowded after dark. The Victoria and Albert Museum and The Natural History Museum are amongst some museums that hold late-night openings. 

• Thames River Cruise

Enjoy the lights of London at night on a Thames river cruise which weaves its way through the city passing illuminated landmarks and historic sites. Make your visit memorable with a sunset cocktail, a 5-course meal, music, entertainment and dancing, spotting St. Paul’s Cathedral, the House of Parliament and The London Eye.

• Comedy Clubs

London is full of funky comedy clubs where you can laugh the night away enjoying comedy acts, a range of music genres and experiences. There are some popular comedy clubs that host a range of top-class stand-up acts and shows every night.

• Hear the Chime Of The Big Ben

Many people have heard of London’s most iconic landmark, The Big Ben. This is a big four-faced chiming clock. As a matter of fact, Big Ben is not actually the name of the clock. It is the name of one of the bells within the clock. Perched in a grand tower attached to the House of Parliament, you can hear The Big Ben chime hour after hour. If you visit at night, you can see it’s beautifully illuminated along with the grand buildings nearby.

Many of you’ve been searching for websites to download PC games for free. I will show you the best sites to play and download games free and legally. You may not find the newest games on all these sites but there are some great games to be found. All these sites are well trusted and considered safe to use. For each of the websites mentioned, I’ll go over the key features and help you navigate to the free stuff.

1. Tic Tac Bonkers

If you are a die-hard fan of this game, then this is where you click on (www.tictacbonkers.com). Traditionally it is a paper and pencil game, but now you can play it online. You can choose to play with the computer or you can choose the multiplayer mode. Either way, it is one of the most interesting games to enjoy your time. Hope that this game remains as popular in future as it has been. 

2. All Games A-to-Z

All games a-to-z which is one of the nicer looking sites, it has paid games mixed in with the free games. To only see the free games select free games a-to-z at the top. The amount of free games is limited on any game page, it will show you which operating system that game is available for along with the description download link. 

3. Mega Games

Mega games, this website in addition to offering free games offers gaming news, trainers game, fixes mods and other stuff. To access the free games select freeware at the top. Mega games has a huge variety with too many games to count, so you’re likely to find a game to play on this site.

4. Steam

Steam is one of the best places to get games and as a side note has terrible customer service. In addition to their paid games, they offer a huge free to play section to access the free-to-play section. Select games then select free-to-play from the drop-down menu. Currently steam offers almost 1,700 free games in this section to narrow down the choices let’s scroll down you could select new and trending top sellers and to the right you can select from popular free-to-play tags such as action-adventure racing and many others.

5. Itch

If you’re a fan of indie games then this is the site for you. This website has a ton of indie games both paid and free. If you want to see the free games in the left column select free games. The Itchy Oh free section has over 47,000 games which is massive.

6. Best Old Games

Best old games is a website that is specialized in revitalizing old dos games. They have hundreds of original games that were popular back in the 80s and 90s. Along with old games, they show the hottest new games a lot on the top. You can sort by top games genres and platforms with their review and rating system it makes it easier to find a quality game to play.

Laos is a Southeast Asian country. That is traversed by the Mekong River. It is known for multiple factors including French colonial architecture, mountain terrain, Buddhist monasteries, and hill tribe settlements. Vientiane is the capital of Laos. The currency used in Laos is Lao kip. Their recognized language is French and other common languages are Lao, Hmong, Khmu, and, French. 

I had the opportunity to visit Laos last year and I made sure to check the requirements for visa on arrival in Laos beforehand. There are many amazing places in Laos worth visiting. And few of them are listed below:

• Vientiane

Vientiane, the capital of Laos is a very charming place. Even though technically, it is a capital city but still it feels like a small town and nothing else. Formerly or during colonial period, it was a French trading post. The oldest temples like Wat Si Saket and sprawling locals markets worth a visit.

• Luang Prabang

Luang Prabang is a town lying between Khan River and mighty Mekong River. It is the serene heart of Laos. It is a UNESCO world heritage site because of its delightfulness and gorgeous little European style cafes. You can also go to Kuang Si waterfalls if you like trekking, there you will find azure cataracts with perfect for bathing pools.

• Vang Vieng

Vang vieng is considered as one the main backpacker locations of Laos; it is lying between Vientiane and Luang Prabang. In older days, this place had surprisingly vibrant nightlife scene and wild reputation but now their Government has cleaned that image of Vand Vieng. There is also a spot which is known for lagoon and Bronze statue of Buddha at Tham Phu Kham.

• Huay Xai

Huay Xai is situated at the border of Laos and Thailand so generally, people visit this place when they move between 2 countries. This is a highlight to a trip to Laos for many. 

• Si Phan Don Islands

Everyone knows that Laos is known for not sharing any coastline so it can sound strange, but it is true.  And Laos is home for Si Phan Don Islands, which existed because of the Mekong River dispersing close to the border between Laos and Cambodia, resulted in creation of these amazing islets. 

• Bokeo Nature Reserve

The Bokeo Nature Reserve is known for its conservation work for black cheeked gibbons, which were supposed to have extinct nut rediscovered in 1997. This Nature reserve is located outside the town of Huay Xai. Tree houses are available there for you to stay in and have a bird eye view of the canopy. 

• Nong Khiaw

Nong Khiaw is also known as Nong Kiu and is gaining fame for itself as one of the best places to visit in Laos. It is a very pretty spot. Some scenic villages, surrounding the town can be enjoyed by biking. And other amazing trekking and hiking opportunities are also in demand.

• Tham Kong Lo

Tham Kong Lo is named so after the name of Kong Lo cave; a part of the wider Phu Hin Bun national park. 

The list is quite long of places to visit in Laos so book your trip now and check the requirements for visa on arrival in Laos. 

Credit cards are a medium of payment which is growing popular in more and more countries around the world. In recent years, there has been an exponential boost in the number of credit card users in countries like India. In my research about the best credit cards in India, I found that most credit card holders are India are worried about paying the debt from credit cards. There are very few who actually enjoy the benefits of a credit card.

While there certainly are some perks of using a credit card, there are some demerits as well. So, what are these pros and cons of credit cards? Read on to find out.

Let’s start with the pros.

Pros:

1. Convenience

These days nobody likes to carry cash around. Credit cards make it a lot easier to carry out your transactions. In case you lose your credit card, you don’t have to deal with any kind of charges and there will be no expenses on your part. This is something that you don’t get with a debit card.

2. Rewards 

With credit cards, you’re eligible for a host of benefits such as cash backs, airline miles, hotel points and many more. This kind of benefits is not available with debit cards and cash payments.

3. Grace Period

With credit cards, you get 21 days of grace period to pay your credit bills. This means that you get 21 days from the time you receive your credit card bill each month to pay it.

Now let’s look at some of the cons of a credit card.

Cons:

1. Overspending

Credits cards are like Alladin’s lamp. Often you can end up spending more than you can afford. This can put you into a trap of debt which will make life difficult for you.

2. High fees

Your credit cards can cost you heavily as they come with a high annual fee. If you do not make use of it the right way, you may end up paying more in fees and get very less or no benefit from your credit card.

3. High interest rate

Credit cards can easily put you in debt in a short time. If you fail to repay the debt quickly, your debt amount keeps on rising. The best way to avoid this kind of a situation is to pay your credit card bill before the grace period ends.

These were some of the pros and cons of using a credit card. There are a lot more advantages and disadvantages. However, these are the ones that you need to know initially when you are just starting out.

We really hope you found this post useful and informative. Do you have any queries or suggestions related to this post? If you have any, feel free to leave your thoughts and opinions in the comment section below. I will try and answer all your questions and take your feedback into consideration. Also, let me know if you want to learn about the best credit cards in India. I will be glad to share more insights with you.

To show your support, share this post with your friends on social media and elsewhere. Thank you very much for reading!

There are a lot of things that you get on the internet today. Not all of them are the best. However, there are some tools that are such that you can use them again and again and find that they are always useful. In this post, I’m going to talk about such online tools that I have been using for a long time and found them extremely helpful. All these online tools are free to use and you can find them with a  simple google search. So, here goes the list:

1. ScreenCapture

This is one of the tools that made life really easy for me. There was a time when I used to wonder how to get recordings of the things that I do on the internet. Then I came across this tool and since then I have been using it to screen record things. Eventually, I started a YouTube channel and used this screen recorder to record videos of my screen on Youtube.

2. Photo Ease

This is another interesting tool that I use almost every day. It is a free tool and you can use it to create amazing photos. It lets you photos with ease. Hence, the name Photo Ease. If you are into photo editing and want to do it faster, this is the tool I recommend.

3. Power Factor Calculator

I am into electric circuits and the things that come along. Power Factor Calculator is one of the tools that has made my love for these things even more stronger. I use this tool from time to time to get some work done and learn something new every time.

4. Love Calculator

This is one of the most used tools, especially by teenagers. I am talking about this because there was a time when I used to use this a lot. It was actually fun to know my compatibility with anyone.

5. Word finder

This is one of the most useful tools I found as a writer. There were times when I used to wonder about the origin of words and the meaning of certain complex words. This was the tool I used for anything related to words and their usage. I used this tool to learn about new words and improve my vocabulary.

6. GIF Maker

This is a fun tool to use. You can use this tool to create GIFs. I have used it for my social media postings and my blogs as well. If you are interested in GIFs and want to create one of your own, this is the tool that will help you. The best thing about this tool is that it creates a GIF within seconds. All you have to do is be creative and funny and try to make the GIF unique and catchy.

Bingo! That was my list of the best online tools that I personally use from time to time. I really hope you found this post useful and informative. Do you have any queries or suggestions related to this post? If you have any, feel free to leave your thoughts and opinions in the comment section below.