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Are you ready to do some traveling, but you have a budget and you want to make sure you stay within that budget? Did you know that you can book a hotel room online and save a ton of cash by doing so? You will get a huge discount compared to booking your room directly with the hotel if you use one of the many online websites to do so. Here are some travel tips to help you.First, when it comes to booking a hotel room online you need to know that there are sites that deal with much more than just hotels and these are the ones that will not get you the best discounts. They are set up to give you maximum discounts if you also book airfare and a rental car with them. The majority of your discount comes from the hotel stay, however and there are sites that can give you this discount for just the hotel.Second, to book a hotel room online you will need a credit card and an email address. They will most likely charge your credit card right away for your stay and if they don’t, then expect them to charge it when you get to the hotel. In some cases they will let you reserve your room with a credit card, then you can pay cash when you arrive and check in. This is all explained to you when you book a hotel room online.Last, your discount should be very large if you use a website that caters specifically to hotels and does not work with airfare and other things as well. These sites are out there and not hard to find if you look. They will get you a five star hotel that normally cost over $200 a night for around $99 a night. This is a great way to save money on your travel and stay within your budget.

Online payday loans are incredibly useful for when payday is still far away, but you need cash immediately. However, most people don’t know what payday loans are or if they’re the right financial option for their needs. Read on to learn about online payday loans and how to determine if they’re right for you.What exactly is a payday loan?Also known as a short term loan, cash advance, fast cash, cash loan, bad credit loan or deferred deposit, a payday loan is an unsecured loan, usually for a small amount ranging from $100 to $1,500, that is intended to be a temporary solution to meet your financial needs until your next payday. Another way to look at a payday loan is that you are making out an electronic check for the amount of the advance, plus a fee, to be held until your next payday.Payday loans are designed to get you through a financial crisis or to help pay unexpected expenses, such as medical bills or car repair costs, until you receive your next paycheck. They are an invaluable financial tool that can help nearly anyone in a tough financial situation.What are the requirements?There are very few restrictions to receive a fast cash advance, but the minimum requirements are:- You must be at least 18 years of age.- You must have a job (or be able to prove you have another regular source of income).- You must have an active open bank account (this can be a checking or savings account).There also might be additional requirements depending on the lender that you choose. Other factors such as income, past payday loan history, direct deposit of your pay, and the state you live in, can also affect whether you are eligible.The more up-to-date, honest and verifiable information you put on your loan application, the more likely you are to be approved. For instance, entering a cell phone number instead of a home phone number makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified.How quickly can I get cash?While some lenders can wire the money to your bank account immediately, most will typically process the advance so that it will be available in your account the following business day after the loan is approved. If you apply on a weekend or holiday, the money will be sent to you by your lender the next business day.How do I receive my cash?Typically the money from your advance will be electronically deposited into your bank account by the lender, but you can choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account.How much money can I have advanced to me?Based upon the information that you provide on your application, your lender may offer you anywhere from $100 to $1,500. You may be eligible for larger amounts of money once you have established some payment history with them.How long do I have to pay back the loan?Payday loans are typically due on your next pay date; however, most lenders will allow you to extend your loan by paying a fee. Depending on your lender, you may have the following options as to what happens on the due date:- Pay off the entire amount.- Renew the loan and pay interest and fees only.- Renew the loan and pay interest and part of the principal.How can I apply for a payday loan?There are many different websites that offer online cash advances, but one of the easiest ways to get one is to apply with a lender matching service. With a lender matching service you simply fill out a short application and their network will identify lenders that can provide you with the cash that you need in a matter of seconds. Because they work with so many different lenders with all sorts of different terms and options, they can find the best match for your requirements in a lot shorter time than it would take you to apply to a bunch of different websites.Once you are matched with a lender, you may be a required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan when working with a lender matching service. If you are not satisfied with the terms, simply do not sign it, and apply with the service again to find a different lender.

There are two main elements to creating the perfect zen garden. Of which are rocks and sand. The rocks represent mountains and grounding, while the sand helps to represent flowing water. However, this sand shouldn’t be just any ordinary beach or garden variety sand. Instead you should purchase enough crushed granite sand to fill your space. Whether it be outside or in. Of which can be found in three different shades white, gray, or beige. You should try to avoid using light tinted granite sand in sunny areas, as it will produce glare and cut back on the zen-like feeling you wish to achieve. Instead use these lighter colors in shady areas or within your office or other indoor gardens. While you don’t need a container for an out-door zen garden, you can find many different platforms for an office-sized zen garden. Whether it be online at websites such as this one, or at a local Feng Shui shop. The best planters or containers to use for a zen-garden will be flat, with a slight lip around the edge. Of which is meant to contain the sand and stones. You may also wish to obtain a small wooden zen-rake. Which will allow you to create beautiful flowing designs of water within the sand.The addition of stones can be that of sculptural weathered rocks, or other well-designed dry landscape rocks. Remember to choose the perfect spots for these beautiful stones within the sand. As these rocks help to symbolize the earth, as such they are considered to be a symbol of good health and longevity. It is common to both have few or plentiful rocks placed within your zen garden. Some may choose to have a single rock island, or built-up islands within a zen garden by piling your stones.Before you begin to think of creating your perfect zen garden, it is time to think of the perfect space for your garden. Determining the space that is available, and the amount of dry landscaping goods that you will need. Whether it be a small one pound bag of granite sand and a few small stones for an office-sized zen garden; or a few ten pound bags of sand and boulder-like stones for your out-door garden outside the home or office. All of these different factors will depend on the size of your yard, and how much you are willing to dry-landscape. Not to mention the time that it will take to maintain your zen garden. While you aren’t caring for many plants in a zen-garden, you should still take care in smoothing the sand and keeping the area free of debris from near-by trees.Now that you know about the history of zen gardening, you are now ready to learn how to create that perfect garden of your own. You should have chosen the perfect spot within your yard or home for your zen garden, and purchased the appropriate amount of supplies that you will need to be creative. Below is a small list of items you will need to achieve your goal of a zen-garden. Along with instructions on how to begin the creation and maintenance of your garden.* Granite sand in the appropriate amounts for your zen-garden space.
* Stones or boulders depending on th size of your zen garden.
* A small plate-like planter for office-sized gardens.
* A small rake for miniature zen gardens
* A Shovel for out-door zen gardens
* A few friends to help you get it done!
* A way to contain your sand for an out-door zen garden. Whether it be stones, bricks, or plastic. It will save you the headache of brushing sand off of your back or front yard.
* A weed-barrier or plastic flooring for your sandFor an indoor garden you will need to follow these steps:1. Clean and dry your planter thoroughly.2. Cut a small hole in your granite sand bag to control the flow.3. Pour a thin layer of granite sand across the base of your zen garden container. (Make sure the
entire base is covered, but you have enough room left on the lip to prevent spills.4. Place your small stones throughout the zen garden in any manner that you please.5. Use your zen-garden rake to pull wave-like patterns through the granite sand.6. Enjoy!For an outdoor garden you will need to follow these steps:1. Create an outline of your zen-garden by using your bricks, stones or plastic. These will help you to keep the sand contained. You may also consider using lumber or even railroad ties (depending on what is available in your area).2. Lay down your plastic weed barrier. Of which can be found at almost any hardware store. This will help to keep the weeds out of your new zen garden. You may also substitute the plastic weed barrier with a thick layer of newspaper or cloth as well.3. Fill your form with the sand, spreading it as evenly as possible.4. Add your stones, and other elements of decoration. Such as garden statues or pebbles to add some texture, color, or shape to your zen garden.5. Place lighting around your zen garden. Solar powered lighting is particularly helpful to enjoy your zen garden at night.6. Rake your zen garden’s sand in long curving lines like you would a miniature version. This will help to represent water.Remember to keep your zen garden simple!