If we experience a financial emergency, and find ourselves short of cash, there can often be few options available to access the extra money we need. For people who just need money for a short time until they next receive their wage, a payday loan can provide the perfect solution.For most employed people, there can be situations when money is tight and making ends meet feels like an almost impossible task. Only a very small percentage of the population are fortunate enough to have incomes that give them plenty of cash to spare. These lucky individuals have plenty of money to give themselves a good quality of life and save a significant amount.For those of us who are not in this enviable situation, the task is to budget wisely and make sure the money we earn covers our expenses. If for any reason an unexpected bill or urgent need for cash crops up, a payday loan can be a way to help you though until you receive your next wage.Payday loans are designed as short term solutions to very short term needs for cash. This type of credit is used for only a few weeks, until you are paid. If you are struggling financially, or have serious money worries, like debts or unemployment, then a Payday loan is the not the best option for you. It is best not to take out a Payday loan if you feel you may be unable to repay the full amount by the specified date or are already dealing with mounting debts.Also, you should think carefully about what you can afford to repay. Borrowers who gain the most benefit from this form of loan are the ones who carefully calculate how much cash they will need to cover expenses the following month, establish what is left, and only borrow within that spare amount. If you borrow more than you can comfortably afford, you could find yourself in a cycle of always running out of cash at the end of the month. This is a situation that is very difficult to climb out of, so think carefully about what you can afford.Always work with trusted and reputable lenders. Don’t be tempted to borrow from the first lender who catches your eye online, or via a TV advert. By doing careful research, finding out about the lender and making sure they are operating fair lending practices, you are more likely to have a positive experience when you take out a Payday loan.The best lenders will happily provide all the information you require to make an informed decision about whether to borrow or not. They will never attempt or sell you any form of credit and they won’t contact you unless absolutely necessary. If you start being bombarded by calls, texts or emails from a short term lender, you have the right to complain.Payday loans are still growing in popularity amongst working people. One reason for this is because borrowers like the quick nature of these loans. They can be applied for quickly, are paid on the same day, and the whole loan is repaid and cleared within a few weeks.When borrowers use payday loans in this way, they are a successful and helpful way to access fund extremely quickly.If you need extra cash quickly, and are considering applying for a payday loan, think carefully about how much you can afford to borrow, consider the tips in this article and carefully think about your options before applying. If it is the best option for you and your personal circumstances, you will find it to be an extremely helpful form of credit.
The Evolution of China’s Industrial Agglomeration
Industrial agglomeration is the result of the free moving and free configuring of productive factors. It is an inevitable phenomenon that industries highly concentrated in a particular area under the conditions of market economy. Because agglomeration can promote economic development and enhance regional competitiveness, finding out the evolution laws of agglomeration is helpful to develop appropriate regional strategies and industrial policies.Industrial agglomeration has been guided by government in the period of planned economy, industrial structure was inefficient. In the process from planned economy transferring to market economy, the fluidity of product factors has been enforced, many industries’ location are guided by the economic rule instead of government planned policy, industrial layout has changed dramatically.New Economic Geography theory suggests that the industrial agglomeration and regional integration take on a reversed “U” curve under the interaction between scale of economy and transportation costs, that is, inter-regional transport costs continue to decline with the development of market economy, and the geographic layout of industries will be dispersed after gathering.Based on the theory this paper analyses the location selection and geographical evolution of different industries.By calculating the EG index and CR3 of 18 industries in China through 15 years, this paper obtained a relatively complete and detailed evolution trend of the industrial agglomeration. The results showed that many manufacturing industries’EG indexes increased which was consistent with their CR3s, such as chemical fiber manufacturing industry, electronics and telecommunications equipment manufacturing industry, instrumentation and Cultural office machinery manufacturing, textiles, electrical machinery and equipment manufacturing industry, food processing and manufacturing, paper and paper products industry, chemical fuel and chemical products industry, which basically belong to technology-intensive and labor-intensive industries. But there also same industries whose EG indexes remain unchanged, such as beverage manufacturing, oil processing and coking industry, pharmaceutical manufacturing, fabricated metal products, ferrous metal smelting and rolling processing industry, non-ferrous metal smelting and rolling processing industry, these industries are basically resource-intensive industries.Surprisingly, the machinery and equipment manufacturing and transportation equipment manufacturing industry which have obvious economies of scale were hardly increased in EG indexes and CR3s, this may have something with places limited rationality during the market-oriented reform process in our country.Regarding to the areas where industries agglomerated, the eastern areas became the biggest area while other areas declined in concentration. Northeast of China experienced a biggest drop, the dominance of many industries in this area have been replaced by eastern areas. And central regions also had a slight decrease of industrial concentration. As regards to northwest and southwest of China, no matter past or present, their industrial agglomeration level was the lowest, and as time goes by, this level becomes further low. Tibet, Qinghai, Ningxia, Xingjiang etc. almost have no manufacturing industries.On the basis of the calculating of agglomeration rates of 18 industries, the paper analyzed the reasons why different industries performed different evolution trends. The main conclusions including: Firstly, endowment advantages impact industrial location by natural advantages and acquired advantages of a certain area. Secondly, generally speaking, the integration of domestic market is increasing, which reduced inter-regional transportation costs and promoted the industrial agglomeration. Thirdly, the level of international market integration is higher than domestic market integration level. Many industries concentrated to Eastern China because of the strengthening of external demands, foreign direct investments and good market accesses.
Wyoming Construction Jobs
Wyoming construction jobs are crucial to the state’s development. Construction is not as important to the rest of United States as it is to this particular region. This is because this activity plays a more important role in the state’s economy than in the rest of United States. About 20,000 jobs were provided in this field in Wyoming in 2002.This was about 8.1% of the total employment of non farm laborers in the state. Compared to this only around 5.2% of the total non farm laborers of US were engaged in construction.Construction jobs in Wyoming have increased down the years right from 1990. In the years 1990 to 2002, construction jobs have increased by about 60%. The best part about construction employment in Wyoming is that while other states pay around $563 every week for construction work, this state pays around $602.Employment SeasonWyoming construction jobs are highly seasonal in nature. The late summer (around August) is the time when jobs are usually the highest. Around the time of February, the jobs decline in nature. In present years, opportunities have increased by about 5000 jobs.ComponentsThere are three main components of Wyoming construction work. These are: Building Construction, Civil and Heavy Engineering Construction and Specialty Trade Contractors.Building ConstructionThis is the most general category of construction. This kind of construction has two parts- residential and non-residential. Residential construction work in this field includes construction of houses for single families, residential remodeling and construction of apartment buildings.While non-residential construction includes institutional, commercial and industrial buildings. General contractors are employed in this industry. This field provided around 4000 jobs in 2002. However it is still the smallest field when it comes to construction job opportunities in Wyoming.Civil and Heavy Engineering ConstructionThis includes all the heavy public engineering construction jobs that require special training. This kind of job includes the construction of utility systems like pipelines, bridges, streets and highways. This is the second largest field in the construction arena accounting for about 5400 jobs in the year 2002.Specialty Trade ContractorsThis is the largest field of construction in the state. In 2002, this field accounted for about 9800 jobs. This kind of construction work revolves around special trades. Special trade involves electrical work, roofing, flooring, painting, plumbing and framing contractors. Most often personnel of this field are seen to make contracts with the general contractors involved in the work of the first kind.OpportunitiesHow many jobs are found in a year is dependent upon construction of power plants and pipelines and federal highway spending. It is difficult to make an estimate of how many jobs will be provided by heavy civil engineering as this kind of project is very irregular. Several factors like population and growth of income also affect construction jobs in Wyoming.With growth of both these factors, arrives an intense demand of construction work. But it can be said without doubt, that Wyoming construction work will increase in the future to come due to the high demand for construction and new companies venturing into the state. The economy in Wyoming is growing rapidly due to construction jobs.Wyoming construction jobs are thus a great prospect for money and respect.