What You Can Do When You Need More Cash


car-money-cash-wallet-financeDo you need a money boost for unexpected travel? If you don’t have an emergency fund or it’s not enough, then you could always take out a personal line of credit or loan to help you come up with the money you need for travel. These are better options compared to using your credit card, which is generally attached to costly fees.

If you need cash, a credit card isn’t the best choice for you, and that’s according to Greg McBride, bankrate.com’s chief financial analyst.

However, you still have to be cautious when you take out a personal line of credit or loan. Both could come with different terms and interest ratios and bear in mind that what you’ll borrow should be paid in due course.

Below are the factors you have to consider:

Personal Line of Credit


This is an effective safety net for people who have huge travel expenses or any other expenses that have piled up in front of them.

Like a credit card, a line of credit is open-ended. It’s a flexible borrowing system that allows you to decide how much you’ll borrow and when you’ll repay.

Because of this flexibility, a lot of people get in trouble by loaning a significant amount of cash. In a line of credit, you should only take what you need, then give it back at a specific period at a set interest rate.

Unless you have value or equity in something (mostly a home), you won’t be able to get a line of credit.

This option is an excellent way of getting cash, but don’t let it replace emergency funds and savings accounts. You should still be able to save for emergency purposes.

A line of credit should only be used if you’ve used up your emergency funds already. It’s the safest way to borrow. Don’t let it control the way you handle money.

Personal Loans


Did you know that around 24 million Americans use personal loans?

It’s probably popular because you could get a lump sum of cash in advance, which is ideal for those who need money right away.

If you’re going to choose this option, do your best to get a low-interest rate so that you could still save money.

Taking out a personal loan is more low-cost than the 15% you’d be paying on a credit card, but that doesn’t mean you could get used to borrowing this way.

Whatever method you pick, it’s important to weigh the pros and cons, and only borrow what you need.

Still, despite these options, remember that it’s always better to save than borrow.

Trading in Counter-Strike: How Does It Work?


Bored in your travel because you’ve visited every place there is to visit? Just turn your laptop on and trade items in CS:GO!

WHY CS:GO Trading?


You might be wondering what’s up with CS:GO trading that everyone’s going crazy about it. Well, aside from the fun and excitement of getting a new item, you can also gain new friends and meet other players too!

There’s more to it than you know. But how does it really work? How can you trade?

WHERE should I trade?

The first thing you should know is where to go. Here’s the list of the best CS GO trading sites in 2018, and it won’t disappoint you.

HOW should I trade?

How do I converse?

The next thing is to know how to speak with someone you’re trading with in-game. Remember that it’s essential to be courteous to the person you’re making business with. Be nice, and although rushing him is often regarded as a good tactic, it’s not for everyone. After adding them as a friend, it’s best to start the conversation with the typical hi/hello, then ask him if he could show the items he owns. If he responds, and you like something from his inventory, you could as if you could make an offer for that specific object. If he continues to converse with you, then make a decent offer.

How do I trade?

Send a trade request. Once it’s been accepted, the trade screen will appear. To add an item to the trade window, you should choose the inventory the item belongs to. After selecting, you’ll notice that the inventory you’ve chosen will be displayed under the drop-down menu. You could either search for a specific item or use the arrow buttons to navigate through the inventory.



Next, just drag and drop the item thumbnail to the trade window. After the person has placed their item to the trade window, you should click the blue ready bar which can be found underneath your offer. You’ll know that the other person has finalized the deal if the bar has turned green.

Need to make adjustments? Click on the trade again and take away the “ready” status. The bar will automatically return to blue after this.

How should I trade safely?

Just trade for items which can be placed in the trade window. Trading CD keys or money isn’t an excellent idea because there’s no way you can be sure that the other player will perform their part in trading.

WHAT should I trade?


Quality items only of course! Don’t forget to examine the quality before you trade. If possible, settle only with items that have a Factory New or Minimal Wear exterior quality.  Remember that to make a good trade; you shouldn’t sound like you’re a scammer. Don’t trade souvenir items too! They’re difficult to sell and have an unstable price.

Bear in mind that stickers do not add much value. They add up to 10% of the sticker’s worth, but titan holos and ibp holos are somehow exceptions.

6 Best Cheap and Free Things To Do in Rio de Janeiro

Christ the Redeemer on Corcovado

The fun and fascinating discoveries do not run out in Rio de Janeiro. With so many amazing sights and things to do — think beaches and the iconic Christ the Redeemer statue to name a few, you can explore to your heart’s content without breaking the bank. Here are some of the best free or cheap things to do in Rio de Janeiro.

1. Visit the CCBB (Centro Cultural Banco do Brasil Rio de Janeiro) to admire its beautiful architecture, explore its art galleries, and see the art exhibitions.

2. Venture off the beaten path to enjoy the beautiful scenery at Parque Lage. From there, you can take a scenic hike to the peak of Corcovado and marvel at the statue Christ the Redeemer.

3. Watch the awe-inspiring sunset at Arpoador Rock.

4. Ride a quaint tram and wander around the picturesque hilltop neighborhood of Santa Teresa. Take the time to notice the architecture and the many interesting sights in the area. Make sure not to leave without sampling a traditional dish in one of the neighborhood’s restaurants. ‘

5. Check out the happenings at the São Salvador Square. Join the locals to enjoy and experience the wide array of free events — from arts and crafts fair to samba and so much more in between, you can expect plenty of interesting things going on in this spot of fun in the city.

6. Get lost in the quiet splendor of Jardim Botânico. See the Botanical Garden’s beautiful attractions including the Orchidarium, Japanese Gardens, and Sensory Garden. Not to mention the myriad of lovely exotic flowers and plant life as well as the wildlife that calls this vast garden their home.

7 of the Best Ways to Plan Your DIY Trip

vacation planning

vacation planning

Travel planning is not always easy, especially for first-time independent travelers. There is a myriad of things to consider including budget, flight booking, transportation options and getting around at your destination, accommodation, and more. These are on top of the everyday things you have to do before your trip. Thankfully, there are plenty of travel hacks you can use to make your trips better. And here are just some of them.

Search incognito
Use a browser that allows you to visit sites incognito like Google Chrome. This makes it less easy for travel or airline websites to keep track of your visits. You can also delete cookies when searching for flights.

Sign up for alerts on travel deals and updates
Get the latest on cheap flight deals from websites like Secret Flying. This gives you access to information about error fares and cheap flight tickets that can help you save more on your trip.

Plan a trip around available deals
If you have no fixed destination in mind, consider planning a trip around the best available travel deals you can find. Build an itinerary that allows you to explore a new place or get to your end-destination through the cheapest routes you can find.

Use travel miles wisely
Weigh the pros and cons of using your miles. Check how much you will potentially pay for other things not covered by the award flight. If you have to pay a substantial amount for extra fees like airport taxes, you may want to consider paying for a ticket instead.

Explore flight options
You do not have to book direct flights unless you absolutely have to. Consider exploring flight options that allow you to fly to your destination at a much lower cost. Check if there are budget airlines you can find that could help lower the cost for you.

Choose local tour operators
Support local businesses by booking tours with reputable local travel companies. You can find a lot of cheaper options if you take the time to do your research online or ask for recommendations from locals when you get to your destination.

Book cheaper accommodations
There are plenty of options you can choose from when it comes to accommodation. You can even find some of the best places to stay for cheap if you take the time to do your research well. Book a room in a bed and breakfast, a hostel, or take a look at other options like house sitting or renting a place on Airbnb.