Asian stocks fell, with the region’s benchmark index retreating from the highest level since May, on signs of slower growth in the U.S. and China and amid concern Europe’s leaders aren’t making progress in solving the region’s debt crisis. Individuals continue to feel the pinch and increasingly look to obtain loans until payday as a means of seeking credit. Nissan Motor Co. a carmaker that counts North America as its biggest market, fell 1.5 percent in Tokyo after U.S jobless claims rose more than expected. Aluminium Corp. of China fell 1.8 percent in Hong Kong after Dallas Federal Reserve economists said overstated data may have masked the severity of China’s slowdown. Makita Corp. a Japanese maker of power tools that depends on Europe for more than 40 percent of sales slid 1.1 percent. The MSCI Asia Pacific Index slid 1.2 percent to 120.38 as of 3:22 p.m. in Tokyo, erasing this week’s advance. The gauge yesterday closed at the highest level since May 4.

Globally shoppers are feeling the pinch as prices on the high street continue to rise and wages stay at the same levels as ten years ago. The availability of short term credit is at an all low so individuals are looking at alternative providers as credit. Fast payday loans are often the only place people can go to, and these means of instant credit can prove priceless of some people. The only advice would be to ensure that the funds can be paid back on time.

There still seems to be few reasons to be cheerful if you are a holder of UK or European listed equities. However, there does seem more of a basis for positivity across the pond and in the Far East. Let’s take a look at a stock markets round up of those two regions. U.S. stocks rose Friday, with the Standard & Poor’s 500 Index approaching a four-year high, amid better-than-estimated data on consumer confidence and leading indicators and as Apple Inc. climbed to a record. Apple rose 1.9 percent, surpassing $600 billion in market value, after Jefferies & Co. said the company had started production of the iPad mini, a smaller version of its tablet. The S&P 500 rose 0.2 percent to 1,418.16 at 4 p.m. in New York. The benchmark index for American equities is less than one point away from a four-year peak of 1,419.04 set on April 2. The Dow Jones Industrial Average added 25.09 points, or 0.2 percent, to 13,275.20. Shoppers around the country still find finding short term credit problematic and are using same day payday loans as a means of getting by.

Asian stocks fell on concern China won’t ease monetary policy even as corporate earnings deteriorate amid slowing economic growth, offsetting optimism for the global outlook after U.S. consumer confidence improved. China Pacific Insurance (Group) Co., the nation’s third-largest insurer, slid 2.2 percent in Hong Kong after its profit slumped.  Country Garden Holdings Co., a Chinese builder of apartments, fell 0.7 percent as rising house prices sparked concern China will tighten property curbs. LG Innotek, a cellular phone parts maker, climbed 5.5 percent in Seoul after a report that sales of its camera modules will grow. The MSCI Asia Pacific Index slid 0.1 percent to 120.62 as of 2:47 p.m. in Tokyo, with about as many stocks declining as climbing. China has no intention of cutting banks’ reserve requirements in the short term, as suggested by a cash injection last week, according to a weekend commentary in the central bank newspaper Financial News. Loans until payday are less well known across Asia but this could change with the next five years. The index advanced last week amid optimism policy makers would take more measures to promote growth

There were a few bullish signs on UK markets yesterday as slightly more positive news began to filter through. U.K. stocks rose yesterday, extending a four-month high, as cooling Chinese inflation increased speculation that policy makers will do more to stimulate the world’s second-biggest economy. British Sky Broadcasting Group Plc gained 1.2 percent after winning an appeal against a regulator’s decision that it must make its sports channels available to competitors at a set price. Amec Plc slumped the most since October after saying revenue growth will weaken in the second half. The benchmark FTSE 100 Index rose 5.59 points, or 0.1 percent, to 5,851.51 at the close in London, the highest since April 2. The gauge has surged 11 percent from its June 1 low amid optimism that central banks will introduce more measures to stimulate growth. The broader FTSE All-Share Index also gained 0.1 percent today, while Ireland’s ISEQ Index added 1 percent. The U.K.’s FTSE 100 Index futures lost 0.2 percent this morning. Shoppers throughout the country still feel the pinch and the use of same day payday loans is increasingly common.

European stocks climbed for a fifth day yesterday as Nestle SA posted sales growth that beat estimates and a report showed China’s inflation cooled, increasing speculation that policy makers will do more to stimulate the economy. Nestle, which accounts for more than 3 percent of the Stoxx Europe 600 Index, advanced 2.4 percent as higher prices helped to increase revenue. Novo Nordisk A/S gained 1.3 percent after the company raised its full-year sales and profit forecasts. European individuals also are looking at a payday lender to provide credit. Deutsche Telekom AG slid 2 percent after saying it has lost more customers in the U.S. than analysts had forecast. The Stoxx 600 increased 0.4 percent to 270.26 at the close, its highest level since March 19. The equity benchmark has rallied 16 percent since its 2012 low on June 4, with nine straight weeks of gains, as policy makers eased repayment terms for Spanish lenders and optimism grew that central banks will add more stimulus. European stock futures dropped, indicating the Stoxx Europe 600 Index will snap a five-day rally, as worse-than-expected Chinese trade data added to evidence the global economy is slowing. Futures on the Euro Stoxx 50 Index expiring in September fell 0.5 percent to 2,422 at 7:04 a.m.

Let's face it...when you want to jet off on holiday with you mates for two weeks of fun, sun and a bit of sexy time with a little sort from Gateshead, the last thing you want is to be short of lolly! The nightmare some of us face is where exactly we are going to get all of our holiday money from to blow in the boozers and clubs of the Costa Brava if payday happens to fall after we arrive back home. A lot of people end up tapping up mum and dad or even one of your mates, but the plain fact is when you’re on a beano you do not want to worry about where the next drink is coming from. A few years ago a motley crew of mates I know went off to Tenerife for a couple of weeks. It turned in to a shambolic affair when Wayne had his money nicked on the first night by a brass, Alan when mental and Ross had no money to begin with. To be honest, they asked me to go but I ended up giving them the bum's rush!

The answer to this can be a sweet one if you are in regular work and know that your wages will be hitting your bank account on a set day in a given month. You can go to the likes of Payday Highway with complete confidence knowing that you can pay back the money you've lent with aggravation. Sounds like a winner to me.