<p>We’ll say it – appliances are expensive. They are also pretty necessary to our lives. When you need a washer and dryer like yesterday, you might find yourself scrambling to research all the loans and payment plans for appliances.</p>
<p>When you find yourself with a broken fridge full of food or wondering what to do with a load of wet laundry when the dryer fails, you’re facing an unexpected and costly expense to replace these appliances. Getting the money you need doesn’t have to be complicated, though.</p>
<p>From rent-to-own to loans for appliances, let’s dig into the options to find the best fit for your situation:</p>
<h3>Rent-to-own &amp; Lease-to-Own</h3>
<p>Over the years, rent-to-own and lease-to-own have become a popular payment plan for appliances. Much like payday lenders, the rent-to-own industry tends to target people with low incomes, bad credit and little understanding of finances. While it may seem like a great option at first glance, a more expensive reality lurks in the fine print when you run the numbers. What seems like a convenient way to get the appliance you need at a small monthly or weekly cost, ends up costing you much more in the long run than if you had just purchased it outright.</p>
<p>For example, “[A TV] has a cash price of $1,609.03 or requires 87 weekly payments of $41.99 per week for a total cost of $3,620.31.” (<a href="https://www.thecreditsolutionprogram.com/pros-cons-leasing-renting/?all=1">Source</a>) If you run the math, you’ll discover that the interest amount of $2,011.28 means you end up paying more in interest than the total cost of the TV if you had just paid cash. Suddenly that good deal looks like a very bad deal.</p>
<h3>Buy Now, Pay Later</h3>
<p>We’ve all seen it advertised at the big box stores: buy now, pay later. This short-term financing option allows customers to make a purchase while deferring payments to a later date. Typically, BNPL lets you delay repayment for a period of three months to a year, sometimes at 0% interest. While this can be a good option for some, it’s important to realize that missing even one payment can have serious implications including late fees, voiding your promotional APR or being reported to credit bureaus and hurting your credit score.</p>
<h3>Credit Card</h3>
<p>You can use a credit card for just about everything, but should you? Credit cards are peak convenience, and most major retailers accept them. Like other financing options, you can pay off your credit card purchases over time. There’s a big difference, though. Credit cards can cost you hundreds of extra dollars (beyond what you originally purchased) through variable rates and fees. Compounding interest, late fees – and even interest charged to your late fees. If you don’t want to risk paying a lot more for that dishwasher than you originally intended, a credit card may not be your best bet.</p>
<h3>Personal Loans</h3>
<p>Personal loans, like those offered by World, are a smart way to get the money you need for a major purchase – expected or unexpected. We work to find the loan that is best suited for your unique financial needs and situation, taking your full financial picture into consideration. World loans strive to keep things clear and simple, with a goal of setting our borrowers up for financial success. With a fixed rate, you’ll always know how much your payment will be and when it is due, so you can plan your budget accordingly. This is a smart way to get the money you need without having to deplete your cash saving or relying on lending options like rent-to-own or buy now, pay later.</p>
<p>If you’re thinking about replacing an appliance, consider how your options will impact your financial journey. The smart choices you make today set you up for success tomorrow and down the road.<br />
Ready to get the money you need? <a href="https://apply.loansbyworld.com/">Apply for a World loan today</a>.</p>


When you need a washer and dryer like yesterday, you might find yourself scrambling to research all the loans and payment plans for appliances.

Financing a Major Appliance - The Smart Way - World Finance

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Financing a Major Appliance &#8211; The Smart Way

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Sami Khalil

<p>School’s out and things are heating up – now is the perfect time to start thinking about your summer travel plans. Whether you’re heading out on a camping excursion, planning a day of relaxation at the spa, or embarking on an exotic getaway, a personal loan is a great way to get the money you need for your vacation.</p>
<h3>What’s the difference between a vacation loan and a personal loan?</h3>
<p>You may have seen some lenders talk about “vacation loans.” Vacation loans are personal loans for vacation. The only real difference is that they are marketed specifically to travelers.</p>
<h4>What are the benefits of a personal loan for vacation?</h4>
<p>Personal loans are a smart alternative to payday loans or credit cards. The benefits of a personal loan, include:</p>
<ul>
<li><strong>Fixed payments.</strong> World loans are installment loans, which means you make a fixed payment. Since you always know the date of your payment and the set amount due each month, repaying your loan is a breeze.</li>
<li><strong>Lower interest rates.</strong> Depending on your credit score, the interest rate on a personal loan is often lower than what you would pay if you charged your travel costs on a credit card. This saves you money in the long run, since more of your payment will be going to pay down your loan rather than just paying down interest.</li>
</ul>
<h4>Can I use a credit card instead?</h4>
<p>Putting your vacation expenses on a credit card is another option for covering the costs of your trip. Let’s look at the pros and cons:</p>
<ul>
<li><strong>Pro:</strong> Some credit cards allow you to rack up points or miles with each credit card purchase.</li>
<li><strong>Con:</strong> Those same credit cards can restrict the use of your points and miles to certain hotels and airlines, limiting your options. Plus, you must make credit card purchases prior to planning a trip to get your points – not much use to you when considering how to fund a trip.</li>
<li><strong>Pro:</strong> Having all your money for a trip on one card is convenient.</li>
<li><strong>Con:</strong> Not all locations will accept your credit card – or accept credit cards at all.</li>
<li><strong>Con:</strong> In new countries and unfamiliar situations, the risk of losing your card or encountering fraud is real.</li>
<li><strong>Con:</strong> Credit cards often come with hidden fees and high APR, adding to the cost of your vacation (without anything to show for it).</li>
</ul>
<h4>What can I use a personal loan for?</h4>
<p>A personal loan can be used to pay for anything. From car repairs to major purchases, medical bills to pet expenses – and yes, even travel! Use your personal loan for vacation expenses including flights, hotels, meals, excursions, car rental and even souvenirs.</p>
<h4>Is a personal loan the right way to get the money I need for my vacation?</h4>
<p>Before you book your flight, let’s talk about budgeting. If you’re already struggling to save money or repay debts, it&#8217;s important to think through whether taking out a personal loan will be manageable for your situation. Missed payments can impact your credit score. Not to mention you run the risk of running up additional late fees and interest, which ultimately makes that trip a lot more expensive than intended.</p>
<p>As with any major purchase, it’s ideal to save up for your trip and embark on your dream adventure once it’s fully funded. That said, we know that isn’t always possible for every financial situation. You and your family want to make memories together, and you deserve to.<br />
Here are a few additional things to consider when it comes to funding your trip:</p>
<ul>
<li>Start a travel fund and add to it each month. Even if you only budget a small amount of money each month, over time your savings will really add up.</li>
<li>Shop around for the best deal. Check sites like Expedia, Orbitz, Travelocity and Kayak to compare prices on hotels, flights, car rentals and more.</li>
<li>Check in on your credit report. Reviewing your full financial picture will help you make an educated decision about the best way to fund your vacation. If you have a low credit score, addressing any issues in your credit report before you apply for a personal loan increases your odds of approval.</li>
<li>Compare lenders. Shop around to find a lender whose options work best for you.</li>
</ul>
<p>Ready to learn more about World loans? Let us help you get the money you need to turn your dream vacation into a dream come true.</p>


School’s out and things are heating up – now is the perfect time to start thinking about your summer travel plans.

Cover the Cost of Summer Vacation with a Personal Loan - World Finance

Cover the Cost of Summer Vacation with a Personal Loan

<p><em><strong>Welcome to the World Academy blog series. In these posts, our very own HR department shares valuable tips and insight to help you unlock your financial good in your career as well as your finances.</strong></em></p>
<p>“How’s the job search going?”</p>
<p>It’s a question you might dread answering. There are plenty of open positions, but so many applicants that it can feel like you’re swimming in a sea of opportunities without getting wet. It’s easy to get overwhelmed and discouraged when you apply for job after job and hear nothing back.</p>
<p>We’re here to help you navigate the open waters of your job search. These tips are powerful yet simple ways to find – and get hired for – the job you want.</p>
<h3>Get Clear About What You Want</h3>
<ul>
<li><strong>Be Selective</strong></li>
</ul>
<ul>You might think that the more types of positions you apply for, the better your chances of getting hired. While that makes sense in theory, you should also consider what happens after you get hired. If you’re hired in a role that you’d rather not take or that doesn’t really match your best skills, you might grow to resent it, putting you right back where you are now. Be selective in your intentions and be selective in your search. You’ll be able to give your best in a role that you’re well suited to – and that you want to be in.</ul>
<ul>
<li><strong>Do Your Research</strong></li>
</ul>
<ul>It is just as important for a company to meet your qualifications as it is for you to meet theirs. When a job listing catches your eye, take time to look into the company. Find out who they are, what they do, how they are perceived by their clients, customers, or peers. Use your findings to target subjects in your cover letter, ask informed questions in an interview, and help you decide if you want to work there.</ul>
<h3>Think Outside the Box</h3>
<ul>
<li><strong>Get Resume Help</strong></li>
</ul>
<ul>You don’t need a professional to edit and tweak your resume, but you also don’t have to do it alone. Ultimately, your resume is for someone else’s eyes, so put it in front of someone else. That may be a friend, family member, former coworker, mentor – anyone who knows you well enough to give you feedback on whether your resume adequately reflects your strengths and offerings. Keep it to one page, keep it skimmable, but make sure the information is robust and that your personality comes through.</ul>
<ul>
<li><strong>Reach Out to Humans</strong></li>
</ul>
<ul>Online job searches and applications are convenient, but remember that sea of opportunities? It turns into a sea of applicants, too. Set yourself apart by networking. Find an email address that belongs to a person at the company, introduce yourself to potential peers and ask about their experiences. When you as a person are on the company’s radar, you’re more likely to be remembered in the sea of applicants.</ul>
<h3>Make Yourself Memorable</h3>
<ul>
<li><strong>Be Active on LinkedIn</strong></li>
</ul>
<ul>Not only can you search for and apply for jobs on LinkedIn, your profile also instantly gives you visibility to recruiters and would-be employers. Use it as another, more social place for people to see your work history, as well as an opportunity to show more personality and interest. Recruiters are already on there – make sure that you are, too.</ul>
<ul>
<li><strong>Believe in Thank-You Notes</strong></li>
</ul>
<ul>When you get a call back on an application, send an email of thanks. When you get an interview, send a handwritten thank you note. It may sound gimmicky, but it’s not. Thank you notes are a timeless and decisive way to show thoughtfulness – and that you are serious about the job.</ul>
<p>Don’t get overwhelmed by the landscape of job searches today. Instead, take a deep breath and remember these tips. Good luck out there!</p>
<p>On the job hunt? We&#8217;re always looking for people to join our team. Check out open positions at <a href="http://careersbyworld.com">careersbyworld.com</a>.</p>


In these posts, our very own HR department shares valuable tips and insight to help you unlock your financial good in your career as well as your finances.

How to Search for Jobs - World Finance

How to Search for Jobs

When it comes to your budget, planning only gets you so far. Emergencies happen – from medical and vet bills to car repairs to home disasters.

Emergency Costs: How to Get the Money You Need - World Finance

Emergency Costs: How to Get the Money You Need

Purchasing your first home is an exciting milestone. Things can start to feel overwhelming, though, as you dive into financing – especially if you’re buying a home with bad credit.

Buying a Home with Bad Credit (Yes, It's Possible) - World Finance

Buying a Home with Bad Credit (Yes, It&#8217;s Possible)

<p><em><strong>Welcome to the World Academy blog series. In these posts, our very own HR department shares valuable tips and insight to help you unlock your financial good in your career as well as your finances.</strong></em></p>
<p>A resume is more than just a piece of paper or a file on a screen. It’s the representation of your experience, skill, and work ethic. When you’re not able to make a first impression in person, your resume is a stand-in for you.</p>
<p>Sound like a lot of pressure to put on one little piece of paper? Don’t sweat it. While your resume is important, it’s most effective when it’s simple, strong, and to-the-point.</p>
<p>We’ve gathered our best tips for sharpening your resume so it will catch employers’ interest – and maybe even get you a call back.</p>
<h3>Keep it Fresh</h3>
<p>When’s the last time you updated your resume? If you want your resume to reflect who you are right now (and not 5 years ago), it’s best to keep it fresh.</p>
<ul>
<li>Modernize Your Header</li>
</ul>
<ul>The header is the part of your resume with all the contact info: name, number, etc. Keep your first and last name, phone number, and professional email address here. Leave your mailing address out – it takes up unnecessary space and isn’t typically needed these days. If you have a LinkedIn profile (you should!), add it here, too.</ul>
<ul>
<li>Stick to What’s Relevant</li>
</ul>
<ul>With the position you’re applying for in mind, read over your resume. Highlight any experience or skills that are geared toward that position and eliminate the ones that aren’t. Don’t go as far as to leave gaps in your resume – that can be a red flag to some employers – but take time to home in on things that would catch the company’s eye. Speaking of relevant, take this time to edit out outdated skills or technologies.</ul>
<ul>
<li>Font &amp; Format</li>
</ul>
<ul>When it comes to the job market, looks matter. Why? It’s all about being striking and memorable. Use a template or look at some of the <a href="https://zety.com/blog/resume-formats">best resume formats</a> and choose one that is sleek and simple. Try and keep it to one page – more than that, and you could lose the attention of recruiters and employers! Use concise, skimmable language, pack a punch with action verbs, and avoid embellishment. As for font, choose something modern but professional (like Arial, Georgia, or even Times New Roman) and stick with 12 pt for size.</ul>
<p>Your resume isn’t a static document. Feel free to update it as often as your experience changes – and as often as you find ways to express your skills. If one version of your resume hasn’t been getting the attention you want, change it!</p>
<p>Keep putting your resume – and yourself – out there. Good luck!</p>
<p data-pm-slice="1 1 []">On the job hunt? We&#8217;re always looking for people to join our team. Check out open positions at <a class="ProsemirrorEditor-link" href="https://careersbyworld.com">careersbyworld.com</a>.</p>


Financing a Major Appliance – The Smart Way

Lifestyle,Budgeting

Financing a Major Appliance &#8211; The Smart Way

Lifestyle,Budgeting

Financing a Major Appliance – The Smart Way