Unlike those days when låna pengar was difficult, today, every person wishes to provide you money. Financial institutions, money firms, charge card, cooperatives, pawn stores – they all want to lend you money. So they send in handouts, leaflets, characters, e-mails as well as pre-approved financings with attached cheques to you. All you have to do is point out ‘yes’, authorize the form and the money will certainly be in your bank account in the blink of an eye. But should you take up the offer because it’