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Retail vs Online Shopping

Online shopping has evolved from an evolutionary phase and has stood out as a potential competitor to retail shopping. In a bid to survive the present challenging economic conditions, businessmen have started to utilize the versatility of online shopping which led to the closing of many traditional retail outlets. Today, traditional land based retailers need to identify and pick up the competition offered by the online world by reinventing their methods and tactics for achieving higher sale.

Online Shopping against Retail Shopping : Points to Note

One of the important features which can elevate an online store from a brick and mortar store is comparison of price. It has become a fact that traditional retailers face a tough competition from the online stores in terms of price as well as convenience. In the online world, the customer can easily compare products between the top companies and choose the one which meets his requirement, which is quite difficult in the real world. However, the customer has the option to purchase from the online store right after the comparison, whereas, in the case of retail shopping, the customer has to personally visit the store to buy the product. Now, in this case, online shopping in Australia has an upper hand over retail shopping.

Retail shopping stores make their customers feel of the top most priority through the help of their customer service, in store promotional offers and various other services. However, when it comes to online shopping, customers are on their own, and have to fight their way to find the products they desire and choose the products on their own without any live sales man’s help. Communication plays a vital role in building loyalty. Though online shopping sites do provide a healthy facility for customers support, they are mostly related to either feedbacks, or any sort of grievances.

Online shopping has proved to be must convenient and comfortable when compared to retail shopping, thanks to its easy buy programs, special rates, shop from home, home delivery of products, and various other factors. Technology has given a new dimension to traditional shopping, which has outsmarted it in every way possible. Today, when we see a retail store, we see limited products, fixed prices and limited discounts, whereas online shopping offers you the flexibility to choose from thousands of products, tempting deals, discounts, promotions, and even free shipping. Though retail shopping will still offer a good competition to online shopping, it is eventually going to decrease overtime.


Tips to Improve Online Store

Web based shopping might win numerous more fans right now however this additionally implies our requests of it are rising as well. What we expect of online stores today

is significantly more than in the past and with the opposition additionally expanding the onus is on you, the retailer, to convey the correct level of administration.

Here are the principle things which clients need to see enhanced most web based business sites:

1. Route – customers go online for comfort, so the exact opposite thing they need to see is lines and lines of items laid out in a disorderly manner. In a perfect world you would pick a shopping basket with simple to set up routes from the begin, yet in the event that you haven’t then it might be worth changing to an alternate one. A large portion of the most recent Internet shops have extremely straightforward home pages which permit clients to pick which sorts of items they need to take a gander at. It spares them time and permits them to effortlessly discover what they need.

2. Registration – getting your customer’s email address is great as you can target them with regular updates and offers. But many of us do not want to spend time filling in forms and registering on various websites when shopping. By all means do offer your visitors an option to register, but do not force it on everyone who buys from you.

3. Save basket – shoppers will often spend quite some time picking out items they wish to purchase, perhaps jumping from one website to another whilst doing so. The one thing which really frustrates many of them is the inability to save items in the basket to potentially purchase at another time. It is true that not every saved item will result in a sale but a large amount will and your consumers will be much happier to come back to you in future.

4. Shipping – strive to ship any orders as soon as possible. One of the drawbacks of Internet shopping is the fact that we have to wait for items to be delivered to us. There is no better way of making your customers happy than sending out their orders quickly. Large proportions of complaints from online shoppers are related to delivery; avoid these and you will win yourself more sales.



Shopping Tips

Today I wanted to share with you some tips when shopping,we all buy, but sometimes we do a little difficult with this advice is sure to give us our purchases much better.

1. When clothing gives us prove too lazy and take long to do, so taking advantage of it’s summer and we have to wear layers and layers I will recommend a comfortable garment without buttons and if possible without zipper. Will Facilitation and fast to remove.

2. The bag, if the day we are good we will be laden with bags, and if we add a large bag, it can be killer, so it is much more comfortable carrying a small bag and that bag in a separate carrying case with: ID, credit card or money. In this way we will not have to dig the wallet, take out the cards, ID, …, we will have everything at hand and they do not lose the ticket and that we will put it in that case.

3. The shoes, like the dress is important not to wear shoes with laces, buckles or zippers, some flat shoes or flip flops will be the ideal footwear. It is also important to be comfortable.

S i are of the often wear heels always recommend Esperanto wedges because you will become a similar idea to the heel but will go much more comfortable.

4. The bags, I try whenever I can ask any of the stores in a large bag to go getting all the bags in it, is much more comfortable carrying a large bag that 5 small.

5. Tags, I recommend that shall ye diminish ought never label a garment until you do them for the out and buy something that many times that at 2 weeks back to see the discount store and we are still within return it and buy it lowered .

6. Many times we buy for something to complement an outfit, such as shoes for a dress, a shirt for some short … In that case ALWAYS wear the garment you want to combine, if you have not yet removed the label bears the ticket to avoid problems at a store.

7. If the purchase is a gift not forget to order your gift ticket (not shown in the price) and a gift bag (most stores have). If instead you give a gift card to assure you that in that shop have clothes from the likes of that person.

8. Sure you ever tried going to a store and it beeps at you when passing the door, and sure it was with a purse or wallet in White XD when you deactivate the alarm will draw all the cards as they desiccant and if you have time and skill at home unpick the lining on which you remove the alarm, so you do not activate anymore.

9. Try not to be heavily made ​​up, to prove you can stain clothing.

10. The perfect underwear: thong strapless bra. This underwear will have no problem when try you or your clothes which will be marked or braces.

I hope you will help you to share my tips and if you have any more.


Getting Creative With Bags Advice

Why A Fanny Pack is a Necessity

When you talk about a fanny pack, you’ll never run out of words to describe it. Have you ever heard of fashion designers using fanny packs as a part of their business? Fanny packs became popular again just in 2013 after a known fashion week. Nowadays, you will notice that waist packs are now used as an accessory be it for adults or even for young children.

These packs were made known to people in it’s comeback as a pack that can suit your needs. Whenever you don’t need a large bag because you only got a few things to bring, it would be a must use. The purpose of the revival of the packs was to make them catchy to the eyes of the consumers.

Each designer who wishes to handle the pack have their own ideas on how to sell the packs according to the people’s everyday life. With its current design, you will not have to carry your water bottle because it can now be strapped on the pouch. No worries on your dog too while going out for a jog. Just lately, only elder people and odd people were seen using it. But known figures have just displayed their branded waist packs.

These pouches are designed differently but still making an impression when it comes to fashion. There are several colors in leather designs that make the packs attractive to the eyes. Each designer would choose to focus on the quality of the products in order for them to make an impact to the consumers and gain more positive feedbacks. For every year, there is a specific type of print trending. For the latest one, animal prints are on high sales compared to other types. The latest designs are far from the old designs and are now appealing to the current generation which prefer sparkly stuff.

The fanny packs nowadays are a match for outdoor activities wherein you would prefer a light and handy bag. In the 90’s, someone using the pack was considered a leader. And in the 80’s, he was considered as a bookworm.

Nonetheless, if right now you still don’t own one, consider hitting the department store and purchasing a new one.

This pack is perfect for this age. The newly released designs are in trend and also caters one’s comfort. When you hear the word pouch, you might think of the kangaroo. But really, it’s far from that. It’s classy too. There are a lot of brands out there that you could choose from that offer cute packs that could enhance your everyday outfit. But, put to mind that in order for you to look fashionable, you have to think of creative ways to attach it to your body and not just to your waist. It’s now time for you to purchase a chic and fun fanny pack for yourself and be in trend!


Why People Think Gear Are A Good Idea

Why Fanny Packs are Best Additions

Fanny packs are things to which have been laughed about. The hilariousness however had greatly lessened after the case to where Lacoste and Rachel Zoe accessorized their collections on fanny packs. Fanny packs later on made their way to the lives of many people. Nowadays, fanny packs comes in different styles with accessories that are appealing towards different ages.

These multipurpose packs actually been introduced again to help people’s lives become easier by allowing them to actually enjoy some time and free from hassles like having to hold a water bottle while shopping. The idea with its rebirth is in making it look desirable.

With the different designers and also the big names that have been working hard in order to make packs as a part of the lives of people and different versions of cool packs then have been introduced. You could now forget the case of worrying having to carry a water bottle because some of the latest type of pack is now able to carry even a small dog to your waist. There’s nothing to worry about your dog when you are planning to go for a jog.

Loosely hung packs are in fact enough to make a fashion statement. You also will find leather designs to which are made with cool accessories. Designers actually are changing the image of these packs through the process of concentrating on its details and on the fabrics to which it uses. One very popular pack would be the animal printed packs that comes with gold and silver zippers. The new design of waist packs actually don’t look like what your grandparents used before.

Fanny packs are actually the best accessories for every traveler today, which will allow them to carry all the important things for hiking or cycling. Wearing a fanny pack before actually makes you look like a geek, but during the 90’s to where trendsetters like Chuck Norris was seen using such packs, it actually help to add more to their bad boy attitude. If you still don’t have these packs, you should hit the market today and find yourself a cool fanny pack that is going to fit well with your style.

Such fashion accessory actually is a must for such season. You actually could find new fanny packs today that are offering both style and comfort and it allows you to enjoy a functional design and at the same time a hit of glamour. The functionality and style that fanny packs have to offer is going to help in making it look amazing.


Monsta Clothing Co Will Devote All of 2017 to Intensive Research and Development


LAKE CITY, Fla. — Monsta Clothing announced the company’s plan to double down on research and development throughout the rest of the year. This intense focus on R&D will help Monsta Clothing deliver even more of the ultra-functional, always-fashionable workout and competition gear that has made it so popular with bodybuilders and other athletes worldwide.

The company’s intensive development initiative will prevent it from attending this year’s Arnold Fitness Expo in Columbus, Ohio. However, fans and partners can catch up with Monsta Clothing at the 2017 Europa Expo to be held in Orlando on May 20 and 21. In addition, the company will once again host and sponsor the Monsta Clothing Company Classic bodybuilding championship in Lake City, with this year’s event to take place on April 29. Fans can keep up with these and other developments at the Monsta Clothing website at

“Just like our fans, we’re never satisfied with the status quo, so we’ve committed to making 2017 the year of our most intense and productive R&D yet,” said Monsta Clothing founder and owner Christian Cuadras, “We’ve got some incredible new designs in the pipeline already and many more ideas that are sure to turn out great. While we will miss catching up with everyone at the Arnold this year, we know the sacrifice is going to pay off for us all. We’ll be out in force at the Europa Expo in May, and we know that our own Monsta Classic competition in April is going to be another huge success. In the meantime, we invite everyone to stay up to date at where we’ll have plenty of exciting new products and developments to share throughout the year.”

Founded to create uncompromising bodybuilding clothing and accessories, Monsta Clothing has become one of the most trusted names in apparel among the world’s most demanding and committed athletes. With a wide range of gear catering to everything from powerlifting and mixed martial arts to relaxing and looking great after an intense workout, Monsta Clothing continually pushes the boundaries and breaks new ground, just as the company’s fans do in their own lives.

By focusing more intently than ever before on research and development through the rest of the year, Monsta Clothing will be able to conceive and produce even more innovative, exclusive products that help fans “Unleash the Beast.” Although the new R&D initiative will this year prevent the company from making its usual appearance at the Arnold, fans will have plenty of opportunities to stay in touch. With the 2017 Europa Expo and 2017 Monsta Clothing Company Classic competition not far off, Monsta Clothing representatives will be available at both events. Fans can also always stay up to date at the Monsta Clothing website at where the results of the company’s intensive R&D initiative will be appearing in the near future and throughout the year.

About Monsta Clothing Co:
With a huge, ever-expanding range of weightlifting, mixed martial arts, and workout clothes and accessories, Monsta Clothing combines uncompromising performance with designs that reflect the larger-than-life achievements and personalities of its fans.


Gear – My Most Valuable Tips

The Great Things About Purchasing Your Own Festival Fanny Pack

There are some things that are really important to carry with you when you go out and when you would join such rave party or a summer music festival. If you wish to dance the stress away and you would like your hands to be free from holding anything, then a great solution that you can have is the cool fanny pack. Such is not just any old pack but built-in a really stylish and brilliant designs for the ultimate raver in you. There are variations which you could choose from. Such shoulder straps could be an excellent way to keep your hands free. There are the backpack styles and also the fanny styled packs are the best all around.

As what you can see, the cutest versions of such festival fanny packs come in the form of furry critters. There are so many designs that will surely attract you but the critter item as you can see speaks the best language. They are designed to appear like a tiny fur critter. This fanny pack has eyes and mouth where you will be able to hide the items that you wish to keep. There are various colors that you will find too. Having this pack is an excellent option for the festival.

As compared to the other fashion accessories that you can find out there, you would often choose purses according to their functionality. Sunglasses, jewelry and also the shoes are chosen when the outfit is complete but the bag should be thought of more. Whether such occasion is calling for a tote or such adorable mini bag, no one would like to stuff a mini-purse or sifting go through a too-large bag, this is one reason why you must match the bag to the contents.

A great thing with the fanny packs is that they are really stylish. You don’t need to have a fanny pack just to let this hang lifelessly on your hip. You can get a stylish option that can add more style and personality to the outfit. Understand that the fanny packs can be fashion-forward. You can get those which are from the branded designers so that you will be able to get something looking stylish.

What you will love about the fanny pack is the fact that they are gender neutral. This means that men can also go for the fanny packs. There are a lot of compartments to ensure that there are plenty of secure areas for holding your items. What is also great about these bags is that they come in so many sizes.


Getting Creative With Businesses Advice

Tips on How to Find Dodger’s Tickets

If you want to watch your favorite team play and on your way to the Dodgers Stadium, you are just one of the many people who would die just to have a single ticket to be able to witness the game. While California gives the Los Angeles Dodgers a great shout, America loves them and nobody in Los Angeles do not know who they are. In order to watch the fantastic home runs in St. Louis Cardinal Stadium, you just don’t need the easiest way to travel to all the games the team has but you also need to have the right permits to enter the stadium. A Dodger ticket is all you need to have as the Los Angeles Dodgers have cycle of games in many stadiums.

Finding these tickets can be accomplished from any accredited ticketing centers which are free of any service charges. The ticket centers and booths are easily seen in shopping places. Another way to acquire these tickets is by browsing online and visiting some pages of web that can provide bookings for the next game of the Dodgers. There are surely numerous sites that you possibly can find online and getting the tickets has never been so easy. If there may be times that you don’t have much time to still line up just to have those Dodgers tickets, try your luck on going through the web and from the comfort and convenience of your own home. As some sources online have Dodger tickets frequently go for sale and discounted rates compared to other places, try logging in and look for them. Moreover, another way to get Dodgers tickets is becoming a member of the Dodgers club to obtain specific tickets to many games within the country and in inter-league competition.

There are instances that some issuing centers of the Dodgers tickets may offer some more and might give you more than just these tickets. By buying Dodgers tickets you can also get free snacks, or get free travel expense depending on the issuing center. Freebies are also issued from time to time and you can be able to take some them too. The cool new segment of Bleacher Beach, is also one of the good reasons why you need to have these tickets. Getting some interesting souvenirs signed by your favorite Dodger player is also one of the reasons. You can be able to enjoy every game of the Los Angeles Dodgers everywhere they play and watch them make home runs after another and really feel the pleasure of watching the team by getting some of these tickets.


5 Key Takeaways on the Road to Dominating Entertainment

Knowing the Perks of Reading Electronic Books and Electronic Book Readers

We are all aware that reading is among the favorite pastime of lots of men and women across the world. In the past, we need to bring two to three books not just at work but also at school so we can have books to read on during our vacant time. It is not only heavy but cumbersome to bring as well. Thanks to the creation and invention of electronic books as we don’t have to bring lots of books on our bags. We simply have to bring this one piece of gadget and you can already read different books as you like. This piece of electronic device is indeed wonderful, right? If you want to learn more about it and its benefits, then continue to peruse this article.

The Prime Reasons to Read Books

There are billions of men and women from different countries around the world who love to read books simply because they believed that it is the most effectual and cost-efficient method of acquiring information and knowledge. These are the reasons why these men and women own and collected hundred of books. Some of these individuals prefer to read academic and scientific books while others opted to read novels of diverse genres. Should you be among these men and women, then what kinds of books do you read and collect? Actually, these are things of the past due to the invention of the Internet. With the invention of the electronic books, also regarded as e-book, it is possible for you to own and to read several books. Because of these electronic books, you can prevent bringing bulky and heavy books in your bags.

Thanks to the existence of these electronic books, you can download different genres of books whenever you want to and devoid of costs. At present, you have the choice to download books, whether by paying certain amount of money or for free. What is needed of you is to choose the type of books that you prefer to download. Much more, it is very important for you to select the websites for downloading these electronic books. E-book is deemed as the most interesting and useful materials that is accepted and loved by myriad consumers. Other than selecting the different types of electronic books, you also need to choose and to acquire the appropriate kind of electronic book readers. With the tons of choices of electronic readers in the market, how can you find the right one for your needs?

Factors to Consider When Choosing and Purchasing the Right E-Book Readers

1. You are advised to choose retailers, manufacturers and dealers which are licensed and established.

2. Cost is another important feature that you should consider when selecting and buying an electronic book reader.

3. In case you are among the numerous individuals out there who have the desire to own, to download and to read several books, then you are advised to choose e-book readers with higher memory capacity.

Adhere to the guidelines and suggestions found in here should you want to buy an electronic book reader in the coming days.


Phentermine Weight Loss Pills: What You Should Know

Individuals are searching for ways to trim down and achieve the body shape they’ve been wanting since then. In case you can relate to the situation above, you know firsthand how challenging it is to undergo numerous processes. Commitment, determination and persistence are the most important things one must possess in the pursuit of losing weight. There is also the necessity of preventing and stop practicing bad habits, that is the leading cause of excess fat buildup.
Nothing beats regular exercise and healthy diet with regards to getting in shape and being healthy. On the other hand, for those who want a quick weight loss outcome, taking the right pill for weight loss can speed up the procedure. Due to the different Phentermine Weight Loss Pills and programs around these days, choosing the correct one to use seems to be a challenge to everybody. Should you find yourself puzzled among these items, make sure to brace your self with all the necessary information about Phentermine Weight Loss Pills prior to purchasing one for your self.
Does the product work?
You can’t simply settle with any Phentermine Weight Loss Pills without checking its efficiency. Nobody will ever want to waste their money on a product that is pointless. Always bear in mind to assess the level of efficiency of the product before buying it. Most of the time, Phentermine Weight Loss Pills that come with prescriptions are tested scientifically, proving to be reputable. Studies prove that taking such pills will, without doubt, help you take one step closer to your weight loss goals.
Safety Issues
You must read the label of any Phentermine Weight Loss Pills offered before you take this 37.5 mg pill for intake (good info is here) Numerous products and other drugs trigger unwanted effects towards the body if taken lightly and wrongly. Some will definitely encounter fatty stools, stomachache and diarrhea right after the Phentermine Weight Loss Pills are taken. But there are even some that pose serious side effects and these are the ones you should not choose to take. Hence, it’s important for you to check if a particular diet pill will pose no harm to you and your body.
The pursuit of weight loss entails your effort and time. As advised by experts, people shouldn’t push too hard in losing weight since it needs a lot of time, but if they really want to gain results at the earliest opportunity, then they should use the right and safest diet pills available. But remember that not all Phentermine Weight Loss Pills fit on you, that’s why it is essential to know which is which to find the right one that can bring you desirable results.

Learning The “Secrets” of Entertainment

How E-Sports have Changed the World.

You probably have taken part in one sport or the other in the course of your life. Such a sport would probably fall in the real sporting categories such as football. The word sport makes sense to many people when viewed in this way. In recent times, another type of sport that differs from the existing ones has emerged. This is the e-sport also called electronic sport. The sport has gained traction especially among the youthful population who like anything that uses technology.

What is e-sport all about? The word electronic in e-sport refers to the fact that e-sports are virtual games that are not played on actual fields. Electronic systems such as video games help in facilitation of the sport. Audio and visual transmission through electronic systems is achieved using cables and other media. The visual part is actually the most important since the biggest part of the sport is seen from a screen.

There are many games that are included in e-sports. Games about fights, shooting and other extreme games are the most common e-sport games in the market. If you notice, these are some of the games that can be facilitated easily on electronic platforms. Live audiences can follow e-sport competitions even though the game is not actually real but rather virtual electronically. The audience can be at the place where the sports are taking place or they can watch online.

E-sports are designed in levels to suit the level of expertise of the player. You would find e-sports that are classified as amateur or professional according to skill level. With these levels, it is possible to take part in the sport even as a beginner and enjoy the game. Professional e-sport players usually take part in organized competitions and tournaments from time to time. One reaches a certain skill level such as that of professionals by playing the games continuously over a certain time period.

One of the best platforms for hosting e-sports is the internet. Offline playing of e-sport is common since one does not have to use the internet to be able to play it. By allowing for online spectators organizers of huge e-sport tournaments are able to cash in on more income. It is possible to generate income from e-sports just like one does with other sports.

Ethical issues must also be adhered to during e-sport games. These rules have been designed to ensure games are fair and cordial. An example is the rule that requires e-sport players to be respectful to each other. Etiquette also implies that if one loses the game then he or she must accept the result of the game. In case there is a live audience, the rules also have it that the audience should observe silence so as not to affect the players.

Source: DingIt

If You Think You Understand Resources, Then Read This

Important Guidelines For Choosing And Wearing Dress Socks For Men Dressing well needs time, money and determination to make sure you have the right kind of outfit for a certain setting or particular event. A huge percentage of men think money is the most crucial factor that affects dressing and it is very normal to find men with luxurious clothing and yet they do not appear attractive. If you want other people to take admire you and appreciate your style and fashion statement, you definitely have to choose a variety of unique clothing and take note of various accessories such as socks that are usually overlooked. When you pick the right type of socks, underwear, ties, watch and belt, you display an excellent picture that tells your associates that you are keen on to details. Unfortunately, while a great majority of men pay attention to all that, they rarely care about the type, design, color or the size of socks they wear. The first and perhaps the most appreciated tip for appropriate dressing is that you ought to purchase and wear apparels that fit well. Irrespective of the cost of a suit or a pair of socks, it cannot meet the desired purpose and create the intended image if it does not fit correctly. If you wish to improve your appearance, you need to ensure you have fitting clothes including socks and since socks cannot be modified by your local tailor, it is crucial to choose the right size and design. It is also crucial to ensure you choose the right socks material that protects and warm your feet beside complimenting your appearance. If you pick a large pair of sock that is fluffy or that is made of material that wrinkles easily, you cannot look neat even when you are wearing your designer suit and costly pair of shoes. Unfortunately, since most of your associates will never tell you something is wrong with your clothing, it might take long to discover you have inappropriate type of socks. It is pivotal to buy a variety of nice-looking dress socks that match well with distinctive design styles for casual or formal occasions. You should keep gym socks, running socks and those that you wear during winter away and purchase quality dress socks that you can wear with the costly suit you bought recently. Maybe there is nothing worse than wearing a well-designed suit with a white pair of running socks and going for a special occasion. Since numerous men commit that mistake, the few who make socks a means to upgrade their style usually look cleaned and they enjoy the advantages that come with being fashionable. Luckily, you can be one of them by buying quality dress socks from the trustworthy sellers supplying numerous varieties of them.Learning The “Secrets” of Products

A Quick Overlook of Gear – Your Cheatsheet

3 Lenders Tips from Someone With Experience

Tips on Getting Money Fast

A known fact is that emergencies can happen at any time and with such comes the need for cash and sources like credit cash advances and some personal loans can be a quick source of money as opposed to loans from the bank or a credit card union that could take a couple of days or a week to get money. Before taking cash from the first lender that approves the borrower, it is vital to take some time to shop around before the person ends up getting humongous interest rates due to some reasons such as the fact that they have a bad credit score or no credit at all.

Before making a rash decision to take a loan the person may opt to delay paying for the emergency expense example if the individual is supposed to pay a medical bill they can call the billing rep and ask for more time and the rep can be willing to waive fees or work on a more flexible repayment plan. It is good to state that if this is not possible, the person can look for other avenues to be able to get cash in a day, and one such channel is getting a cash advance from the credit card issuer by using their existing card at an ATM, but the cash advance comes at a high-interest cost. The annual percentage rates for a money advance is higher than what the person would pay for purchases and the minimum cash advance annual percentage rates in many banks is twenty percent, and many banks charge a cash advance fee of between 2%-5% of the money advanced. It is good to state that the interest begins to accrue immediately with no grace period thus the borrower needs to start paying for the loan as soon as possible so that the charges become outrageously big.

The other option is to get no-credit-check installment loans, which are loans that are offered to borrowers without checking the credit but the only requirement is that the person has a bank account and a regular paycheck. A known fact is that such lenders need to be handled with caution because the interest rates can reach as much as 1000% and in most cases, if the person is unable to raise the cash for an emergency expense they will be unable to pay back the loan within the two weeks, time. The truth is that the other option is to get online personal loans that give loans within an hour or one business day and the rates are based on the credit history of the person, but they are capped at 36%.