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Radford RAMS accountancy was established in 2003 and since then, it has provided many small and large ventures with best accounting consultancy.

Welcome to Radford Revenue
Accounting Management

Welcome! Radford Revenue Accounting Management has established with the sole purpose of providing effective and efficient assistance when it comes to handling any sort of company’s accounting matters. Radford Revenue Accounting Management was established in 2003 and since then, it has provided many small and large ventures with best accounting consultancy.

Payday Loans and Bad Credit

Payday Loans and Bad Credit

You may be wondering if you can receive a Payday Loan with a bad credit score, well think do further. In this article you will the answer you are looking for.


here are dozens and dozens of companies claiming to offer direct payday loans. Sorry to say, most of this companies are not legitimate. At Direct-Payday.com you’ll find the best financial assistance companies that will fit your needs. There many types of financing your could be searching for, and our website is prepped for that. After visiting our site, you won’t need to search anywhere else! Our company goal is list all short term payday loans and online installment loans in the United States. Our website is growing database that is extremely comprehensive for all users. We try to get it as updated a possible to ensure our visitors the best information as we can. If you come across any lenders that no longer offer loans, then please do reach out to us.


So here is the answer you have probably been waiting for: Yes, you can receive a payday loan with bad credit. Payday loans are viable for all types of credit scores. The whole point of payday loans, unlike other loans, is to not rely so heavy on your credit score for approval. Payday loans usually have a quick application process followed by an instant offer. Not only that, it also provides you with fast funding. These loans are typically paid back in about 2 to 4 weeks. The structure of these loans are straightforward and there are no restrictions on how you choose to use the funds. You can get approved in as quickly as 24 hours!


Depending on the state you live in will determine the fee you will pay for the money you borrow. For the application all you will need is a valid social security number, an active email address, active checking account, and a source of income. You will then need to share your contact information and employment information. Once you sign and submit the application it shouldn’t be a long wait to hear your offer. If you don;t feel comfortable applying online, there is always the possibility of applying in person. It is important that you pay your loan back in a time efficient manner in order to build you credit score. If you fall behind on repaying your loan, your credit score will show for it.


Advantages and Disadvantages of Using Bitcoins/ Cryptocurrencies

Bitcoin is one of the latest things in the world of digitalization. This is a computer file that is always stored in a smartphone application or a computer’s software. It is also known as the digital wallet. When you enroll in this system, you can send a Bitcoin to the wallet of other persons, and they can also send some Bitcoins to your wallet. When you do these transactions, there are no middlemen or any authority that intervenes. It is purely a peer to peer transaction. In this article, we are going to look at the advantages and disadvantages of using Bitcoins.


  • Discretion

Unlike other traditional methods of payment, Bitcoin transactions are discrete. This means that no one can trace your transactions because they are always not linked with your personal identity. Once you do a transaction, there is an anonymous address that is generated. This address keeps on changing for every single payment that you make.

You can also use a bitcoin mixer to further enhance privacy. We recommend to check this site as they go into detail: What is a bitcoin tumbler.

  • Peer-to-peer centralized

What does the term peer to peer mean? The term implies that you can efficiently conduct transactions at the international levels without the need to require any approval from an external source. This is because the transactions are conducted on a network, and the system is designed to facilitate it.

  • Reliable payments

You do not have to worry about making physical payments through Bitcoins. This is because the system is digital; hence you can do all your transactions online. You do not need to be stressed to visit a bank for you to make your payments. If you have a network connection, then you are good to go with Bitcoins.


  • Fluctuating markets

Bitcoin markets keep on changing every day. You could place your bid expecting a good return, but then the market changes, and you do not get the handsome rewards that you expected. This is the biggest challenge of cryptocurrency.

  • No Regulation

Regulation of the transactions is minimal, thus exposing you to risks of fraud. Once you experience fraud with Bitcoins, you can report nowhere for help and assistance.

What you should know about SSI payday loans

Life can be full of challenges. One of the most common challenges facing adults right now is staying finically stable. People want to live comfortably but sometimes sources of income simply do not cover their needs and wants. Taking a loan is one of the things that someone can do to help with their financial issues. However, people who do not have a steady source of income like a job and depend on government payments may think it’s difficult or even impossible to get their loan approved. Well, there is some good news. There are opportunities for them to apply for loans known as Supplemental Security Income (SSI) loans.

What are payday loans for SSI recipients?

Basically, payday loans for SSI recipients are similar to a regular loan. There are some standard documents that one would have to present like; identification, proof of residency, and an active bank account. However, with regular loans, a document showing a source of income like a copy of a monthly payslip is usually required as well. Since SSI recipients may not have a steady amount coming every month an alternative is used. This could come in the form of disability payments, social security benefits, or alimony payments. In the case where these payments may not be steady enough, one can present a bank statement that shows the about of money, the applicant has received in a given year.

How can one apply for a loan as an SSI recipient?

The first thing that needs to be done is sufficient research. Even though these options exist not all banks will approve loans for SSI recipients. These may vary by bank and can also vary from state to state. Also, it is wise to consider how good or bad your credit is.

All banks assess applicants by looking at their credit and their debt-to-income ratio. Another thing to consider is how good is the loans’ interest rates. Short terms loans are notoriously known for their high interest and annual percentage rates (APRs). In some states interest rate is known to be as much as 600% with APRs as much as 17%. The last thing you want is to take a loan on a small income only to find yourself in more debt than you started with.

When you finally have all your information the next thing is to gather the required documents. Remember an ID, proof of residence and, an active bank account is always needed. When presenting proof of income try presenting a solid account of how much money you receive. Remember even if the bank may be willing to give loans to SSI recipients they are still looking for proof that you can pay them back.

Work to make a difference

Work to make a difference

Work does not need be isolated from passion. Coupling vocation with a meaningful cause brings out the best in people. It enhances motivation, dedication, commitment, and a sense of achievement. Excellent reason to work for a nonprofit.


When coming across the term nonprofit, a mistake many people make is to assume the entity to be a small, simplified establishment such as a charity or food bank. Not all concerns exist to generate revenue. Not all are simplified or small. Some nonprofits and non-profit recruiters operate on such a large scale that they cross country and continental borders.


Understanding Nonprofit jobs


Nonprofit jobs are on the rise. When given the choice more people are opting to work for nonprofits. Nonprofits account for over 12 million jobs in the US. Modern nonprofits are fluid, well organized institutions operating in an extremely professional manner to serve their cause. The only difference is their overall aim is to serve the community rather than earn profit. They still maintain a proper organizational structure and require the same employees as a for-profit concern. Essentially counterpart nonprofit jobs exist for all careers.


Interesting nonprofit jobs

When selecting a nonprofit job, it is better to align the organization’s cause with one’s passion and interests. Most (over 50%) nonprofit jobs are in healthcare. Education and social services account for 14% and 12% respectively. For anyone wanting to make a difference all it takes is for them to step forward. Following are some interesting non-profit jobs that are engaging as well as satisfying.



Our world is changing. Not all for the better. Becoming a conservationist is a surefire way of contributing towards the welfare of humanity. Organizations exist for environmental, wildlife, marine as well as for human conservation. They do not just need advocates or volunteers. They need field workers, photographers, specialists, fundraising managers, volunteer coordinators, community organizers and operational staff. Some of these organizations offer competitive pay as well as exceptional benefits.


Zoos & Aquariums

In an increasingly aware world, zoos are no longer prisons for animals. They are advocates for conservation of wildlife and their habitat. Increasingly zoos and aquariums are run on nonprofit basis with proceeds contributed towards conservationism. Working for a zoo can be fun, engaging and rewarding.


Religious Institutions

Churches, Mosques, Synagogues, temples all require staff. For those who cherish spiritual wellbeing, working for a religious institution is a great way to serve their faith, their spirituality as well as their community.


Community Setups

Charity begins at home. Your local community offers plenty of opportunities at the local charities, animal shelters, foodbanks, soup kitchens, social advocacy set ups, coaching and mentoring programs. Working for local nonprofits helps establishing you as a responsible community member.



Most museums operate to enhance public awareness regarding their heritage. Most are nonprofits. Whether you have an interest in art, history, science, or culture, working for a museum is a great way to relate your hobbies, interests, and passion with your work.



Nonprofit healthcare jobs do not exist for only doctors and nurses. For instance, Johns Hopkins Program for International Education in Gynecology and Obstetrics has local establishments in all countries they operate in. They require managers, coordinators, IT departments etc. and all these individuals come together to make a difference.


Nonprofit jobs sometimes do pay less. They may or may not have a career ladder. But they usually come with great benefits. More importantly, the work is rewarding and contributes towards self-actualization.

Everything you need to know about car insurance

Everything you need to know about car insurance

Many People often think that can insurance is wasting money that will never be recovered. The truth is insurance companies such as Money Expert will walk with you throughout your car lifetime and ensure that you are compensated adequately when an accident happens or damage. Losing your car is a very tough moment considering the costs of buying a new one but having a guaranteed that you can be taken back to your position before the damage is more satisfying. Many insurance companies offer the services but getting the one suited for your car is explicitly the best move you can ever make.

How to compare various insurance providers

Companies like moneyexpert.com car insurance will ensure that you get the best offer for your car and benefit from the following.

  • Cheaper insurance for your car
  • Insurance company trusted by many clients
  • Broad market comparison for different providers

The company will request only some information about you, and you will be able to get over 100 insurance providers. A more straightforward comparison will be made to determine the best for you. The following are the main details that are required to complete the comparison

address, occupation, and age.

Make, model, and the year of your car

Your driving history which can significantly reduce your quote

Drivers you want to be added to the policy

Specific use of the car

Here are some of the tips to get a cheap car insurance policy

Pay upfront. This will result in the cover being cheaper as there are no finance arrangements made.

Build up your no claim discount. Ensure that you limit your claims as they will decrease your premiums.

Improve your security. Some features to your car will decrease your premiums

Ensure you drive for a few miles. Ensuring that you go a few miles will decrease your cover policy price.

Increasing your voluntary excess will result in lower premiums

Choosing the right cover for yourself

Comprehensive car insurance

This is the highest cove of all the car covers, ensuring that you will be compensated if your car is damaged or wrecked, stolen, or catches fire, including the medical expenses. Every comprehensive car insurance is very different from other types, and you should check into details all the items that are covered.

Third-party theft and fire

The cover extends the damages extended to another party, their vehicle, or their property where you cause the damage. The cover includes only theft and damage done, and this does not extend to paying your medical bills.

Third-party insurance

This is an essential requirement to drive a car in the U.K. Third-party covers the cheapest insurance for cars offered by an insurance company. The cover only involves damages to other people’s vehicles or property and not your car.

A Guide To Online Loans With Quick Funding

A Guide To Online Loans With Quick Funding

Online loans that are funded quickly are often the most important financial tools you may use. Loans with online applications and quick processing save quite a lot of time, and they take you out of the limbo of waiting for a decision. There are quite a few things that you must keep in mind when applying for one of these loans, and this article carefully details what to do when you need extra cash.


Be Honest On The Application


You must be honest on your application because the company knows how to check everything you have written down. You must use current financial information to complete your application, and you find that the application may be submitted instantly. The company sends a receipt to your email, and you may be notified the same day. You are not obligated to take a loan approval. You may choose to accept a loan after applying to a few different places.


Check Their Credit Rating


You may check the credit rating for the company online before accepting their loan, and you may find customer service reviews online that are quite helpful in the decision-making process. A company with poor reviews is not a good match for anyone, and you must ensure that you have asked the company questions about how they service their loans before signing.


Check Their Rates


Companies with good credit ratings often have good rates because they need not pass on their costs to their customers. You must ensure that you have spoken to the company about what their lowest rates are, and you may ask for a rate that was designed for someone who does your job including teaching, military service, or public service.


You may receive a senior citizens rate, or you may find a studen rate that is more affordable. The rates are only one part of the process as you must ask the company for a repayment schedule that suits your needs.




Repayment for your loan is quite important because you must be on a schedule that you are capable of maintaining. You may ask the company for a longer repayment schedule, or you may use the repayment schedule to expedite the payment of the loan. It is wise for you to use the repayment of the loan as a financial tool, and you may ask for refinancing if you ever wish to take out more money.


Someone who has negotiated the repayment schedule on the loan will save money over the course of time, and you may refinance to drop your rates at any time. The payment schedule may change often if you have differing financial needs, and you may contact the company if there is an issue with repaying your loan as it is currently constructed. A quick loan has a few moving parts you must check, and going through the steps in this article ensures that you get a loan that is truly easy to use.