Retirement is a dream of all Americans no matter what age they are or what they do for a living. We are all taught from a young age that if we work hard and save our money that we will be able to retire some day. Today it seems however that the retirement dream may be in jeopardy.

Despite working hard retirement has always been a dream that some Americans have not been able to reach. Now more than ever Americans are worried that they will not be able to achieve this. What is the problem? The answer comes in just one word; money.


The economy took a big hit a few years ago and while it is recovering, many American’s retirement dreams and savings accounts are not. People are worried about being able to keep their jobs, the rising cost of living, and high debt levels. Surviving day to day and month to month has taken precedence over retirement planning and saving.

According to a survey that was released by the Employee Benefit Research Institute only thirteen percent of Americans are confident about their retirement. Thirteen percent! That is a horribly low number! This should not be acceptable

One reason that workers are having such a difficult time with retirement saving is that they do not know what is going to happen with Social Security. This is money that should be guaranteed to them, but now that guarantee is up in the air making the future for many very scary. Many American workers had been counting on their Social Security, but not knowing if they can count on it has really put them into a bad position.

No one knows what the future holds. If you want to retire and be comfortable the best thing that you can do for yourself is to save as much as you can as often as you can. The sooner you are able to start the better. Many people wait to start saving because they think that saving a little now will not make a difference. This is not true. The interest you earn having money in a savings account adds up. Even if you only save a little here and there it will add up.

The future is uncertain. The only thing that we know for sure is that we need to save money if we want to continue to hope for retirement. Retirement is a dream that we should all be trying to reach. Do not let someone tell you that you cannot reach that dream, if you try and save what you can, you can get to retirement someday.


A shop window advertising payday loans.

About fifteen years ago payday lenders were almost unheard of. Now things are very different. In some places in this country payday lenders out number some fast food chains. This may seem strange to some, but others are incredibly grateful that these businesses have popped up, because without them some people would not get the help that they need.

Some may not see the appeal that these loans have for some people. These loans are very convenient and they are small. When someone needs just a little help to make it until their next payday these businesses can do that for them without all the trouble of going to a bank for help.

Banks do offer these small short term loans, but they do not advertise it. This leaves some not knowing if their bank offers them or not. Many people who do not know for sure if their banks offer small short term loans do not want to take the time to go to their bank and find out if they can get one from them. Instead it is much easier to find a storefront payday lender who they know will help them out and get their loan there.

Payday lenders realize that times are tough. They offer roll over on loans if it is needed. Some people do not know what this roll over for loans is. What it is, is if you take out a loan and agree to pay it back with your next check, but then when the time comes to pay back if something happened and they do not have the full amount, the lender will allow them to roll the loan over to their next paycheck for a fee.

Payday lenders to some seem to be all about making money. But to the people who need their services they are all about helping the people in the community that they serve. Everyone needs help from time to time, and not everyone has a lot of options as to where they get that help from. For those people having a payday lender nearby is exactly the help that they need.

Many people do not need the help of a payday lender, but many do. Those who do need the help are often grateful that these businesses are around. Many who do not need them do not like them and do not want them to be around. One must keep in mind however if you have never been in the position to need a payday lender you do not know just how much they help people out. If you have never needed on do not pass judgment on the lender or the borrower until you have been in their position.