The Ultimate Guide to Help

Tips for Choosing a Good Payday Loan Consolidation Company

Payday loan debts can slowly increase over time, making them much harder to get rid of. If you are dealing with multiple payday loans, a debt consolidation company can ease you out of such a predicament.

So how will a payday loan consolidation company be of help to you? First off, these companies have professional knowledge and experience when it comes to debt resolutions, and usually, they will be able to produce positive results for you in just a few months. On top of that, as no collateral will be needed for a payday loan consolidation program (a requirement for obtaining a consolidation loan), you don’t risk losing your home. You can even consolidate your payday loans online, starting with filling out a form on the company’s website.

To help you, a payday loan consolidation company will lend you its expertise in:

Negotiating with your creditors and lowering the amount you have to pay, as opposed to what you actually owe them;

Preparing a monthly payment plan based on your current financial capability; and

Taking all calls from your creditors or from collection agencies;

The question is, are all payday loan consolidation companies the same? Are they all good for you? Of course, the answer is no, and here are the key considerations you must make before you make a choice:

> Free counseling – Any debt consolidation company should provide free counseling to thoroughly check a client’s financial state before suggesting solutions. If they begin talking about fee structures or payments without looking at your situation, you should be wary and move on to your next prospect.

Personal Referrals – Seeking personal referrals from people you trust is still the safest way of finding a good debt consolidation company. Otherwise, the web is always there to give you a few prospects.

> Client Reviews – Check for client reviews and feedback online, or read case studies of some of their past clients.

Transparency – One thing their fee structure absolutely has to be is transparent. Watch out for hidden clauses, which are almost always – if not always – designed to increase your payments in the long run.

In the end, solving your payday loan problems is only a matter of obtaining help as soon as you’re sure you need it. Stop stalling and start acting before the situation is out of control. In a scenario like this, delaying is actually the worst thing you can do.

If you’re not sure where or how to begin, consult a local payday loan attorney so you can be enlightened on the laws that govern payday lending in your state. Not only will this help you handle the problem more effectively, but it can also fast-track your payday loan debt relief.

Source: http://stumbleforward.com/2016/11/10/turn-your-debt-on-its-head-and-clear-yourself/

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How I Achieved Maximum Success with Options

Facts about Consolidation Loan and Why It is a Solution to Your Debts

Thousands of individuals have trapped themselves into multiple high interest payday loans and at the same time get penalties and other fees related to the delay of payment of their loans on time. Some may even take out more loans just to be able to pay off their current loans, and yet cannot seem to get out from the tight financial situation they are in. If you think this is a description of your current financial situation, then maybe you should try consolidating your payday loans. Here, we will explain the nature of payday loan consolidation and how you can go about it.

Just as the name hints, payday loan consolidation is combining all your existing loans into a new loan under new terms. And so, instead of paying to several lenders, you have one new loan with new terms, and with an offer of lower monthly interest rate. With a consolidated loan, it is assured that you will have much lesser and more manageable monthly payments. Your can either consolidate your various loans on your own, and you can also get the help of a specialized debt consolidation company if your loan situation is a bit complicated for you to handle yourself. You have to make a decision whether the consolidation of your debt will be with collateral or secured, or unsecured without collateral, no matter how you consolidate your loans. Getting a lower rate is the advantage of a secured loan, however, if you have good credit reputation then you can also be given a decent rate even if your loan is unsecured.

A debt consolidation company, if you decide to use their services, will take on the process of dealing with your present creditors so you can have a new consolidated loan. Considering that you have the debt consolidation company working for, you will be shielded from collection calls of your present lenders and thus relieved you from worrying about your current creditors since this debt consolidation company will perform those obligations for you. The work of the debt consolidation company will be to collect from you your payments for your current lenders and the company will be the one to pay to each of your creditor. If you consider using the services of this type of company, there are some tips though that you should consider about this company.

First pointer is you have to make sure that the company is legitimate and considers your best interest first and foremost. You can do this by checking the name of the company with accredited credit institutions. Next suggestion is to carefully review the plan that the company is offering to you and make sure it is in accordance to your needs.

Source: http://www.girlyblogger.com/lifestyle/flying-nest-moving-new-home-security/

Tips And Tricks For Obtaining The Best From Online Payday Loans

Get urgent $ 400 www.all hands financial.com Chula Vista California within one day Get $700 tonight fast wire transfer. You can also apply instant $ 700 www.nxtdaycash.com Pittsburgh, PA no checking account .

For whatever reason lots of people will not like payday cash loans. But payday loans are not necessarily a bad issue to get. There are plenty of good reasons, why people ought to at the very least take into account online payday loans. Believe you wish to discover more? Keep reading to tell on your own about them more.

Make sure you pick your cash advance meticulously. You should consider how much time you will be given to pay back the money and what the interest rates are like before selecting your payday loan. See what your greatest alternatives are and make your assortment to save money.

Payday loans are often known as money improvements. Although a money advance may well not seem as alarming being a cash advance, it will be the exact same thing. When choosing this specific service it is essential to understand that this is a financial loan and ought to be treated consequently in your finances.

When identifying if your pay day loan fits your needs, you need to understand that this volume most payday loans will let you acquire is not really too much. Generally, as much as possible you can find from a payday loan is all about $one thousand. It can be even decrease when your earnings is just not way too high.

In case you are looking for a payday advance the very first time, verify if the loan company places a limit on how much cash you can use. Many businesses may have a cover on your own first cash advance. Then will allow you to obtain much more with the secondly, or third loan.

There are many sites online in which folks can record the cash advance organizations, that have chiseled them away. Be sure that you do all of your investigation. Examine these internet websites before you get a loan. That way you will be aware that this clients are legit, and not trying to scam you.

Many people make the oversight of attempting to seal their bank accounts in order to run away from paying back the pay day loan organization. Even though this might sound tempting, usually do not accomplish this. The business can sue you should you do that, and you may become dragged via judge and owing a lot more than you will have in the event you paid them back legitimately.

Be aware of the fees of a cash advance prior to taking the money. As an illustration, you may need $200, and the paycheck financial institution fees a $30 payment for the investment. The interest with this comes out to nearly 400Per cent annually. When you can’t spend the money for loan with the following pay, the costs go even increased.

The main tip when taking out a payday advance is to only use what you could repay. Rates with online payday loans are crazy substantial, and if you take out more than it is possible to re-spend with the due date, you will end up spending a good deal in interest charges.

When you have been conned by a payday loan company, do your greatest to allow it be recognized on multilple web sites. When you might be unable to get your money back, you can aid other individuals by avoiding them from slipping to the very same capture that you performed.

When you have actually obtained a payday advance well before, take into account the before the money was provided to you. How do you take action? Have been you reduced to get undertaken the stress off an urgent situation? Or do you have an emotional substantial that you had just scored quickly cash? If your reaction anything of your excitement, you might be in danger of cash advance dependence and really should search for preventive aid to avoid it in the foreseeable future.

Seeing as there are normally extra fees and terms concealed there. Many individuals make your mistake of not undertaking that, and so they wind up owing much more compared to they borrowed from the beginning. Make sure that you realize entirely, something that you are currently putting your signature on.

Reading this informative article, with any luck , you will be not any longer in the dark and have a far better comprehending about payday cash loans and just how they are utilized. Pay day loans enable you to use money in a short amount of time with number of limits. When investing in completely ready to apply for a pay day loan when you purchase, keep in mind almost everything you’ve study.

Help: 10 Mistakes that Most People Make

Taking Advantage of the Payday Loan Relief

Payday loan consolidation is definitely a fantastic credit program which consumers can apply for to be able to get relief from their financial responsibilities. This comes with great features that will match the needs, preference and financial capability of a lot of cash-strapped borrowers nowadays.

In the consolidation programs, consumers will be given with the chance to merge their current payday loans in just one account. You may receive enough funds in order to completely settle the debt. Also, you can reduce the payments that you will make on the interest charges and also other related fees.

The payday consolidation loans often carry lower rates of interest as compared to those that were imposed on the old payday loans. Also, that is not only that. Each month, you will just have to pay one interest rate. This means that instead of juggling the different interest rates that are imposed on the current credit lines, you will have to manage one only until you fully repay the borrowed funds.

You will also be able to recover good credit standing which such loans. Through paying off the payday loans, then you may start working on having the credit history rehabilitated. You may start repaying your credit card charges. You can also make a great plan to settle the long-overdue student loan payments. With this, you can slowly rebuild the credit reputation and in time, you can surely reap the rewards of getting a great credit profile.

When you are going to apply for the payday consolidation, it would be a great thing that you first determine how much you actually owe the creditors. You may do so by requesting for the latest copies of the annual credit report or through contacting the lenders. With this, you will know how much funds you actually need to settle the debts completely. Also, you may avoid going overboard with the request for cash.

Spend the time to compare the options that you will be able to find out there in the market. You should also pay attention not only on the rate of the interest but also the amount that you may loan, the eligibility requirements and the payment terms too. Get to know more about the additional services which they are offering. For example, you have to ask the firm if they are going to negotiate with the lenders to charge off one of the accounts or minimize the interest that is imposed on the payday loans. If you do this, you can improve the chances of searching for a consolidation program that suits your expectations, budget and needs. Moreover, before you would sign the contract, you need to review the terms first and the conditions of the loan.

Source: payday loan consolidation

Short Course on Cooling – Getting to Square 1

Why You Need To Install An Air Conditioning System It is very rewarding to live in a world where technology never stops improving. Because of the technology we have and enjoy, we can now install an air conditioning system so we no longer have to worry about the extreme climate changes. When summer and winter comes, you would be glad that you are able to control the climate inside your office or home. In this article, allow me to share with you the many benefits of getting an excellent air conditioning system installed. 1. It gives you relief from the hot weather.
What Research About Cooling Can Teach You
It is important to install a good air conditioning system because this keeps the people inside our home or building refreshed and cool. Believe it or not, the weather has a huge impact on how people perform in their workplace. This is because warm/ hot weather drains energy. To be productive even in the hottest of weather, you need to control the climate inside your home or building.
What Research About Cooling Can Teach You
2. It gives your relief from the cold weather. Air conditioning can also keep you warm during the coldest weather. Even though there are already heaters available, in large places such as offices, public buildings or even our living room, it is very difficult to achieve a constant temperature. If you install an air conditioning system, you can be sure that each and every person will be comfortable. 3. We breathe only clean air. Air conditioning units have filters that purifies the air we breathe. The filters can easily catch pollen, smoke, dust, and other harmful particles that can cause health problems. Installing an air conditioning system will make you healthier and it will benefit those who are suffering from asthma and other allergies. 4. It provides dryer air. Plenty of air conditioning units are built with a dehumidifying feature, this is the reason why it can provide dry and clean air. A dry atmosphere will reduce the risk of having molds and mildew. One more benefit of having a dry atmosphere is that you no longer have to worry about the negative effects of condensation. Aside from breathing fresh air, you also take good care of your belongings. 5. Air conditioning units can be portable. Believe it or not, there are portable air conditioning units available in the market. It is best to use portable units in our kitchens and even areas of the building that are prone to high heat. If you are now planning to purchase an air conditioning system, it is best to utilize the world wide web. There are plenty of manufacturers that already advertise their products online. Just visit their website and you will learn more about the products that they are selling. When shopping online, you can choose, pay and get your unit delivered and installed to your home or office in just one sitting.

Online roulette furniture and guidelines: American vs Eu as opposed to People from france

I will guess you do not know the difference between your United states the eu along with the People from france online roulette tables ( this site has more info). You could think you need to do however, you never. It isn’t your mistake. This is due to none mentioned about, as most of live dealer roulette freelance writers around, have partial expertise in the sport and mistake the several live roulette trolley wheels with all the diverse online roulette tables as well as the diverse live dealer roulette regulations. In a nutshell, the thing is that generally when individuals send the type of roulette, instead of discussing the principles, they generally talk about the steering wheel, which can be technically completely wrong and contributes to misunderstandings. It’s interesting that obviously any good couple of gambling establishments recommend to their personal online games with the incorrect terms. They certainly it, with the idea to mistake players or as they do not view the variations or they do not wish to mistake the gamers so they really identify their video games based on most performer’s flawed suppositions. In any case, I will crystal clear some misconception in your case once and for all. You may have the ability to boast you are sure that one thing most “roulette experts” miss. Live dealer roulette trolley wheels There are just two types of roulette trolley wheels: United states and Western european and it is incredibly very easy to distinguish backward and forward. The principle differences are: The American has 2 zeroes (, 00) and also the Eu only has one particular zero (really an easy task to identify them) They have got distinct styles the quantities are in various positions National as opposed to Eu wheel U . s . as opposed to European tyre On account of the two compared to a single absolutely no, the United states controls has a 5,3% home edge whilst the Western european tyre is better for the player, with a lowered property benefit from only two,7%. If you wish to view the common sense of live roulette wheels there’s an outstanding post you must examine. Live roulette platforms Specialist roulette dining tables possess a rectangular and they are typically manufactured from timber. The edge to the side of the gamers is usually manufactured from leather-based, slick solid wood or Alcantara and often involves ashtrays and consume cases. An independent structure is employed to guide and secure the online roulette wheel. What is the United states roulette kitchen table? The American live roulette stand normal size is 2.9mx1.7m. Her tyre about the short aspect, 1 dealer is standing on the side near the tyre along with the gamers sit on the other two facets: contrary for the tyre and opposite to the dealer. United states online roulette stand National live dealer roulette table with Eu wheel and race track wagers structure Is there a France roulette kitchen table? France roulette desk normal dimension is 3.3mx1.8m. Two croupiers (France for traders) holding a 60cm croupier’s rake are hanging out the tyre around the small facet of the table. In the driver’s seat and so on a heightened seat, is situated the kitchen table-umpire. The members sit down on the 3 other facets of the table. In addition there are some lengthy French roulette tables (dual length) that have the steering wheel within the heart and 2 kitchen table betting layouts, one on every facet of the wheel. This particular language roulette kitchen table with croupiers French live roulette stand. Long ago you can observe both the feminine croupiers along with the kitchen table-employer in the increased seat. Normally, the overall game is quicker with an United states stand than you are on a People from france table. Dual This particular language steering wheel Dual French live dealer roulette with one particular tyre and a couple wagering dining tables. Stand gambling Templates Since the host to the croupiers and participants is unique in American and People from france dining tables, the wagering designs are different. Specifically in the U . s . model all outside wagers are for a passing fancy (lengthy) aspect of the table, throughout france tables, the outdoors bets are split forwards and backwards long factors. National compared to French kitchen table structure U . s . versus This particular language stand design Race track gamble As opposed to its title, the American platforms have become frequent around European countries. One distinction one may notice is in European countries, in the U . s . furniture gambling structure, a sizable a racetrack that is representative of the wheel. This race track is used for putting bets on Orphelins, Tiers, Voisin du zero, Zero perform and neighbors table bets. Sorts known as “called bets” since the croupier can place them as soon as the coaching in the people. online roulette track table bets Live dealer roulette track for Sections, Orphelins, Voisins and next door neighbor bets Online roulette rules This is how it begins to get challenging due to the fact contrary to public opinion, the live roulette guidelines have nothing about either the controls or even the table. The controls and the table are bodily objects the policies are intangible and still have practically nothing about them. Why is concerns much more confusing is that often the rules are created with a indication placed within the live roulette table. So you can easily get me wrong the indication with all the principles of “American roulette” since the information on the table that isn’t. Actually there are just two traditional sets of rules for online roulette: United states and French. Sure, to find out a ecu controls, technically there is absolutely no this kind of issue as Western rules and so there isn’t any “European roulette” as a online game. American guidelines In accordance with the U . s . roulette regulations, when zero arrives, then all outside the house bets (Peculiar, Even, Reddish, Dark-colored, Substantial, Lower) are misplaced completely. This particular language rules In accordance with the France live dealer roulette, when 0’s occurs (People from france live roulette is usually played out on a European steering wheel), then all exterior bets (Unusual, Even, Reddish, Dark-colored, Large, Lower) aren’t dropped entirely. Rather, one of several two right after principles can be applied – so you will find two different versions: En Prison guideline: It means “in jail”. In cases like this, your money is just not missing plus your bet keeps (“is jailed” as they say) on a single outside the house wager for the next rewrite. If no occurs an additional successive time you get rid of your wager. Or else the wager wins or manages to lose mainly because it would typically do. La Partage principle: This means dividing. In this case you get rid of 50 % your guess. The rest fifty percent is delivered to you and you can bet generally next whirl. Regardless of what guideline is within influence, the advantage for that participant is in the past the identical, so Dentro de Prison and La Partage are similarly best for you. Total, the top problems a roulette person will find in a internet casino are: a France roulette guidelines over a Eu controls. These kinds of online games are incredibly rare and generally accessible in brick and mortar European gambling houses. Of course in internet casinos one will discover an excellent variation of roulette online games, from mini roulette to no no roulette (live dealer roulette without zero). But games are outside of the scope want to know ,. Summary It is apparent now why there exists much distress. It’s possible to have a European steering wheel with an National desk and play with People from france regulations. And have a This particular language stand with Western european steering wheel and United states guidelines. The very next time you pick up or learn about Eu, U . s . or France live dealer roulette, you should think about is he talking about the principles, the steering wheel or the table.

6 Facts About Services Everyone Thinks Are True

Helpful Hints with Quick Money for Fiscal Problems

It’s smart to just take a while to study payday loans first. A lot of people are in a hurry to get a cash advance and occasionally overlook some significant problems they should contemplate in advance.

With cash advances you are able to get accepted in about an hour with simple online access and forms. After you give the payday advance business your information including job history, checking account details and your contact information you may be approved very fast in most cases. For this reason you should take a little time to consider what the APR, charges, and the terms and conditions of the payday loan company.

Several cash advance companies can electronically deposit the money you need right into your checking account in just a day. Instead of needing to wait for days for a check to get to the post, it is possible to just take care of your own fiscal crisis immediately. This can be the complete purpose of an advance. Most payday loans are at under $1,500 and therefore are authorized really quickly.

The payment for many payday loans are about $15 to $30 for each $100 lent. This might perhaps not look much at first but interest can mount up over period fast. This is the reason it’s wise to pay back your payday loan within a couple of weeks or less. This can be what these types of loans are intended for, fast cash for quick term financial scenarios. If you need cash for a lengthy period of time, you should check into other types of loans which are available for your scenario.

With online payday loans, you’re able to get the money you require of a crisis very fast. It’s possible for you to get an acceptance, sometimes in an hour or 2, with no monetary credit check. Online payday loans are simple with easy online forms that are supplied from these kinds of websites.

Always consider period when looking into the online payday advance providers to make sure they’re enrolled with the BBB. You don’t desire to get conned. Take some time out to compare the interest rates, charges and alternatives which are accessible to you from the many online cash advance solutions.

Attempt to recall that the notion of a payday advance is always to repay the mortgage by your following payday. If you are in severe financial trouble, an online payday loan possibly may not be a sensible decision. With some moment used on educating yourself, you must have all the info you have to make a well informed financial decision.

Source: http://magicalpenny.com/ease-that-payday-loan-debt-stress-with-these-tips/

Interesting Research on Resources – What No One Ever Told You

A Quick Guide to Payday Loans

To help you repay your loans that have the high interest very easily, payday loan debt consolidation is a process that is efficient and useful for you. There are times that the loans which are short term would become unavoidable and you would need to manage your financial requirements that are urgent. If there are multiple loans obtained, the situation would deteriorate even if there is no harm when you take loans. If you will not be able to pay your debts, it might give you a financial burden. You might be leading to excessive debts if you have any default in making your payments on the due date. This is because the interests and the charges would keep on accumulating in case of payments that are not on time. The lenders would usually ask you to repay your debt on your next payday, but if there would be no payment then there is no penalty. The only thing to worry about is accumulating interest rates and administrative charges that are very high in a normal way.

The only feasible option that is remaining when under the conditions of debts that are mounting is consolidating debts. Two extensions of 30 days each would be normally allowed by a lender if ever the payments are not on its due date. In those two extensions, there would be times that a borrower could not pay his or her debts. For a case such as this, even an amount that is just little would become bigger by time since the interests and charges would just keep on accumulating. If you belong to the middle class, a situation like this could be not be bearable. A collection agency is assigned in the task of recovering the money by most of the lenders in such circumstances. Frequent calls and harassing the borrower would be done by the people from the agency subsequently. To avoid embarrassing situation such as that, you could take a help from a debt consolidation company.

An expert company could be consulted as it is advisable all the time if you are in debt. Your finances would be consolidated and managed by the company. Settlement would be carried out as it would negotiate with your creditors for you. Your multiple loans would be combines into one as they would offer repayment plan that is feasible. You will now make a monthly payment that is lower to your company. Most companies regarding this would offer low interest rates in order to make the whole process easy. Dealing with your collection agency and creditors is something you do not have to do in this type of system.

You have a brief information now, so you could have your payday loan relief.

Source: http://www.akiit.com/2016/11/10/thinking-of-using-payday-loans-beware-of-the-dangers/

What I Can Teach You About Downloads

Setting Up Your Account in Tradebit.com

Basically, Tradebit is one of the largest download store, equipped with millions of manuals, songs, eBooks and more. Clients can also publish their digital products on the website, they only have to pay for a small fee to host their files.

Setting Up Your Tradebit Account

There are two main things that you need to have before you set up your account: a verified PayPal account and the right to sell all the digital products that you’re offering. Smaller files can be uploaded through your web browser via the upload wizard; files are considered small when they are less than 60 MB. For those who have files much larger than 60 MB, you are encouraged to use FTP clients much like Filezilla. All accounts come with a free subdomain that the user can setup after they receive their account.

What Can You Expect from the Group

One of the best sales feature that Tradebit has is the group set up, sadly it is often overlooked by clients. Discount groups and member areas are two of the most common functions of the group. Users can assign discounts to certain groups and connect files as well as users to the group; in case you want the members to download files for free, assign 100%. When the group member logs in, they get the discount, also every supported group memberships earns them payment; payment can be received on a weekly, monthly and onetime schedule.

Invitations to Certain Groups

The invitation link is typically offered by the admin section from Tradebit. When you want to invite others to your groups, add their email addresses; email invitations can also be sent out to partners and friends. After they have signed up an account for free in Tradebit, they’ll automatically be assigned to your group.

Other Miscellaneous Questions

How to Receive Payment
Merchants and sellers get paid every Wednesday through their PayPal account. Payouts are three weeks delayed, so when you received your payout it’s for the transactions that occurred three weeks before the payout itself. Payouts are delayed for accounts that show any kid of suspicious activities.

Increasing your Sales

Tradebit has a fairly high rank in search results. There are times that a high rank won’t be enough to generate the additional sales that you need. A big help would be when you use relevant and helpful keywords in the titles and descriptions of your files. Descriptions that look like they weren’t given much thought or are just too short are unlikely to gain the attention of viewers and potential buyers. Online advertisement is a great strategy to get your products out there. Using your affiliate link to Tradebit earns you money, this goes even though the client didn’t purchase your file but still bought something from the catalogue.

Source: http://www.broowaha.com/articles/27409/dont-let-fear-prevent-you-from-traveling-the-world

Why No One Talks About Websites Anymore

Facts on Trade Bit

An important fact to state is that trade bit is a new virtual market shop that is based in Germany and is a new player in the e-commerce space. Based on online reviews, the site purports to be selling a lot of things in a bundled package that is not only cheaper but easier to shop for. In light of one of the reviews, a customer stated that they were able to buy a repair manual, a karaoke track, a self-help book and an animal sound effect all in one basket.

The website is known to have a site that is easy to navigate and make purchases and the files can be delivered to the customer’s email address as soon as they make an order and it has been said it is comparable to an online flea market. It is vital to note that there is a client that had a review with the site and the customer claims to have ordered a factory repair manual for their car only for them to receive a handbook that was out of order, incomplete and was totally illegible and the client could not make heads or tails of the content in the magazine. However, the customer was able to contact the site and get a refund from the place after they confirmed from the car makers that the mix-up was on their end since they were in the process of changing their manuals but the customer still reiterated that the site should improve on its feedback mechanisms.

In another review, a customer noted that the site had improved on their feedback and they were now offering a very efficient customer service support and they had improved on their delivery of digital content. As per the Better Business Bureau, the site is not accredited by them but according to a review done by the better business bureau customers have lodged complaints with Trade bit based on various issues such as advertising, delivery issues, warranty issues, problems with products and services and billing or collection issues. Based on four customer reviews, the Trade Bit site has received three positive reviews and one negative review and the site has not yet faced any government action involving its marketplace conduct and it has been given no advertising review about the site. The business has an overall rating of 4.4 out of the 5 stars based on four customer reviews and a Better Business Review rating of A. A vital issue to state is that there are mixed reactions around this site but as a new site it is bound to get some negative reviews but only time will tell whether this site will be the next big thing in the e commerce space or it will fizzle out with time.

Source: http://lovinglifeandlivingonless.com/2016/10/stay-entertained-this-fall-without-breaking-the-bank/