Jenny Maloy

Throughout the world technological innovations are leading to a general rise in the standard of living. Improved health care, improved housing conditions are all making the lives of people better and more comfortable, around the world. Yet, in the midst of such progress remains the harsh fact of financial inability that is preventing a vast number of people from making use of the better living conditions that the world has on offer today.

Each day technology around us is making life more and more comfortable and is bringing forth a hundred different innovations to add to our lifestyle. Yet, a truth that we cannot ignore under any circumstances is the fact that there are people whose number is ever increasing who cannot afford the very basic necessities of life.

Life is not always a flower bed for all. Poor people are not confined only to the third world countries. A developed country like United States, also, has its own share for people who can be safely called poor.

Poor people lack three basic necessities which every human being needs for survival, that is, food, shelter and good clothing. So providing free grants primarily focuses on these parameters, and if these three needs are satisfied, more than half of the poverty problem would be solved; it assists people to get strengthened enough to find a job and lead a good life.

Sometimes it happens that you find yourself in a situation where you do not have enough money to cover even your basic needs; for instance, a small house to live in, or medical care, pay back your mortgage etc. Left with no option, you start looking for a loan to cover your basic needs.

It was only yesterday, that Toby was suffering from extreme pressure. He was up to his neck in financial problems. It was not only credit card bills, but at the same time, he was not being able to pay for the simple family requirements as well. From bills to his kid's school fees, everything was pending and he was out of cash.

At some time or the other, we all need financial assistance for even the necessities of life. It is not so very easy actually to arrange for money, and then again, the issue of repaying keeps lurking all along. It must have been at some point of time that you were in earnest need for some money and never got anyone to help you.

Millions of people are struggling to face their day to day life with their poor income that isn't enough to pay for their rents. Homeless people are finding it extremely hard to feed themselves and their kids. Utility bills pile up for many people and they give up the need for basic utilities just because they can't pay for it.

No one wants to be poor & struggling to pay for the basic needs. However, being poor is not a choice. It is not that you should not earn well to be poor. When you find it difficult month after month to meet your basic needs with no extra cash whatsoever, you are in bad financial shape and you need a helping hand.

We are living in a fast paced world, where people can't keep up with time and the process live unhealthy lives. Gone are the days when people used to live a healthy life. Now we even use our cars for a small distance, which is not good for our health. Similarly there are many of you who have bad habits like smoking and drinking which first affects your teeth and then other body parts.