Do you find yourself going “against the grain” when it comes to various aspects of your life? Subsequently, do you also find that the “grain” you are going against is not what has a proven successful track record over time?

That may seem confusing when first read, so let’s clarify. Throughout the course of time, certain practices, rules, and traditions have held up in spite of advances in technology and cultural fads, for a lack of better words to describe it.

It comes with age, which means essentially that it comes with experience, as the two go together. Each of us, as we age, make decisions. Many of these are driven by fear of financial insecurity. This fear is evil, as it steals from the person making the decisions.


How can a comparison be made between fear and stealing, you may be asking yourself. Fear robs each of us from going through with certain decisions. It immobilizes our thought process. Let’s look at a hypothetical example that many of us can identify with:

An opportunity presents itself to apply for a position with a company that offers better pay and benefits. You are restless with your current job, uncertain about the future of the company and your role within it.

You are qualified for the job, so you apply and interview for it. An offer is made, and it requires moving to another part of the state you live. Being single, with no kids, it seems like a no-brainer, right?

Say hello to fear, as it steals from you this opportunity to better yourself. You don’t accept the offer, as you are afraid of moving to a new area and working with people you do not know. Rather apparent how it robs us now, is it not?

Lemonade Stand Basics

Did you have an upbringing in which money management was integrated into your life at an early age? Many of us discovered in elementary or middle school that we could earn money by setting up a lemonade stand. Perhaps the young entrepreneur discovered they could buy candy cheap and resell it at school for more money.

This, my friends, is the essence of old school American capitalism. How did the American economy become the destination of so many born on foreign soil? The roots are found in capitalism.

In order for capitalism to thrive, even to survive, certain conditions must be met. One of the more obvious ones is consumer spending. How consumers get the money to spend is the catalyst for a booming, or dismal, economy. By itself, this is an insufficient explanation, as the intricacies of economics go much deeper. This is, in itself, a simplified approach.

A Little Help

What do people do when the need arises for a small loan? What do we mean by a small loan? Traditional banking institutions specialize in loans that require collateral; for example, home, auto, and small business startup.

Along the lines of capitalism and small business startups, consider all the stories of entrepreneurs and investors who started small and succeed. Warren Buffet doesn’t worry about borrowing money with loans.

Back to small loans. When you are in need of a loan in the range of $100 to $1,000, traditional banks are, in most circumstances, not the avenue to take. Your looking for a small loan that can be distributed quickly.

Alternative banking offers a solution to your small loan needs, as long as you meet the criteria of the lending institution. An example of one of the more popular alternative banking sources application requirements is as follows:

  • At least 18 years of age
  • Income source
  • Resident of the U.S.
  • Bank account

Don’t worry about your credit score, as most of these lenders work with both good and bad credit applicants. See, when you need a lending hand, all you have to do is look and ask!