Smart materials

The essential quality of a Å"smart material  is that it can react to outside upgrades in an in fact valuable and in fact controlled way. The words Å"technically useful  and Å"technically controlled  are underlined since all materials react to outer upgrades or something to that affect or other (as a straightforward model, all materials react to temperature by changing their volume), nonetheless, to be viewed as a Å"smart material  the reaction must be one that is helpful in a building application.Thus, any conversation of keen materials must incorporate a thought of the utilization of these materials. Creatures and plants could be considered as comprising of countless brilliant materials, in any case, the extent of this article will be confined to inorganic and natural materials that are utilized in an increasingly customary designing sense. ) The term brilliant material frequently additionally has a chronicled setting, just being applied to generally new materials. For instance, consider the basic bimetallic strip.Bimetallic strips have been around for quite a long time and comprise of two metals Joined with the goal that the distinction in the coefficient of warm development makes the strip twist in light of an adjustment in temperature. This can be utilized, eg, to open or close an echanical valve or electrical circuit. The upgrades may either be given by the indigenous habitat or built into a structure that the material is a piece of. In any case, bimetallic strips are regularly not thought of as keen materials since they have been near and utilized for a long time.Smart materials are additionally frequently portrayed by the way that they change vitality starting with one mode then onto the next, eg, from electrical vitality to mechanical vitality. Brilliant materials are likewise frequently consolidated in purported Smart Structures, which are structures that, just as being the basic help of a structure or vehicle, additionally have a further capacity. For instance, a heap bearing structure that additionally quantifies the heap that it is conveying is a case of a savvy structure. 2.Classification Schemes How a material is thought of or grouped depends somewhat on the logical or specialized order that is thinking about the material. For instance, a material researcher is keen on the inward structure and how this may change affected by an outside upgrade, while an application specialist might be progressively worried about the capacity of the material and what it very well may be utilized for. 2. 1 . Characterization According to Function. Shrewd materials can be arranged by the expected essential capacity, eg, as a sensor, actuator, or vitality generator.Piezoelectric material is a case of a class of brilliant materials that can be utilized in each of the three of these capacities. When exposed to pressure these materials produce an electrical voltage that can be utilized as a reaction sign and furthermore to create power. Then ag ain, when exposed to a voltage these materials produce a mechanical pressure. The tradable idea of boost and reaction is a typical, however not widespread, trademark ot 1 Kirk-Othmer Encyclopedia of Chemical Technology. Copyright John Wiley (a) they convert mechanical worry into an electric field (Fig. la), and this impact is utilized in piezoelectric sensors; (b) use of an electric field creates a mechanical 4 pressure (Fig. 1b, c), and this conduct is used in actuator and force generator-collecting gadgets. Just materials with an electrically poled, anisotropic gem stucture can frame piezoelectrics; Ëœe, there must be an inherent electric field kept up a specific way all through the material.Thus the material must be pyroelectric. An element of a pyroelectric material is the vanishing of this pontaneous electric field over the Curie point temperature. Piezoelectric gadgets are framed by raising the material over the Curie point temperature and afterward cooling within the sight of a solid electric field. The regular term for this activity is to state that the material is Å"poled  within the sight of the electric field. This outcomes in fractional or complete arrangement of the unconstrained electric field inside the material. A related material property is the ferroelectric effect.All ferroelectric materials are fundamentally both pyroelectric and piezoelectric. The ferroelectric impact is the electric olarization realized by the total or halfway realignment of the unconstrained polarization bringing about a static electric field at the surfaces of the materials. (Be that as it may, note, a net field isn't regularly distinguished in light of the fact that the surface charge is quickly killed by surrounding charged particles. ) There are two chief sorts of materials that can work as piezoelectrics: the earthenware production and polymers. 1 .Ceramics: The most generally utilized materials are the piezoceramics dependent on the lead zirconate titanate (PZT) a rrangements, blended sodium and potassium niobates, lithium niobate, and quartz. The upsides of these piezoceramics are that they have a high piezoelectric movement and they can be created in various shapes. 2. Polymers: Poly(vinylidene fluoride), PVDF, is the most generally utilized polymer piezoelectric material. It has the focal points over earthenware gadgets of adaptability, formability and can be essentially sliced to shape. Polymer piezoelectric materials have lower authority (power and relocation) than artistic devices.The PVDF structure is a genuine case of the unconstrained electric field found in these sorts of material (Fig. A restriction of piezoelectric materials is that they show little dimensional changes however with high applied power). Composite structures comprising of a length of piezoelectric clung to a nonpiezoelectric substrate can be utilized to change over the parallel change in measurement of the piezoelectric to a twisting power. Along these lines, bigger activation strokes can be accomplished. Piezoelectric materials are utilized in a wide range of sorts of detecting and activating gadgets and furthermore for power harvesting.Examples incorporate Sensors: vibration, sound, accelerometers, pressure, ultrasonics, strain, power age. Actuators: print heads, vibration concealment, speakers and bells, flash generators, ultrasonic ransducers, micropositioning and interpretation. Electrical segments: channels and resonators. 5. Shape Memory Alloys and Polymers Metal shape memory composites (SMAs) display the properties of pseudo-versatility and the shape memory impact. These combinations experience thermomechanical changes going from a martensitic stage at low temperature to an austenitic stage at higher temperature (Fig. a). 5. 1 . Shape Memory Effect. In the martensite stage, the combination is milder and effortlessly controlled through enormous strains with a little change in pressure, ie, it tends to be effectively twisted. As the temp erature of the combination is expanded over the basic change) temperature, it changes into the austentic stage. In the austentic stage, the compound recaptures its high quality and high modulus and furthermore returns to its unique shape. In this way a SMA can be framed into shape over the change temperature, cooled beneath the change temperature, and shaped into various shape.On warming, the SMA will return to the shape that it was shaped into over the change temperature (Fig. 3b). 5. 2. Pseudo-Elasticity. This happens when the composite is totally made out of austenite (Ëœe, the temperature is over the change temperature). In the event that the temperature is kept steady and the material is stacked, at that point sooner or later there will be a change to the martensite stage just because of stacking. The heap is consumed by distortion of the gentler martensite stage, however after emptying the martensite begins to change once more into austenite and the materials springs once more into its unique shape (Fig. c). Shape memory compounds (SMAs) can be isolated into three practical gatherings: single direction SMAs, two-way SMAs, and attractively controlled SMAs. The attractively controlled SMAS show extraordinary potential as actuator materials for shrewd tructures on the grounds that they could furnish quick strokes with huge amplitudes under exact control. The most broadly utilized customary shape memory amalgams are the nickel-titanium, copper-zinc-aluminum, and copper-aluminum-nickel compounds. Because of their ease, iron-based shape memory composites are getting increasingly famous in savvy structure applications.Iron-manganese-silicon prepares alloyed with chromium, nickel, and cobalt, and iron-manganese-silicon prepares alloyed with nitrogen all fit into this classification. As recently referenced, the nickel-titanium amalgams have been the most broadly utilized shape memory compounds. This group of nickel-titanium amalgams is known as Nitinol (Nickel Ti tanium Naval Ordnance Laboratory to pay tribute to where this material conduct was first watched). Nitinol can be utilized in apply autonomy actuators and micromanipulators that mimic human muscle motion.The capacity of Nitinol to apply a smooth, controlled power when initiated is a bit of leeway of this material family. SMAS have been utilized for military, clinical, wellbeing, and mechanical technology applications. Explicit uses incorporate pressure driven lines, clinical tweezers, grapples for joining ligaments to bones, eyeglass outlines, control of hot house windows, underwire brassieres, and ntiscalding valves utilized in water taps, and shower heads. 5. 3. Shape Memory Polymers. Shape memory polymers (SMP) are polymers (polyurethane based thermoplastics) that can be warmed (over the glass progress temperature), distorted, and cooled to hold the twisted 6 shape.Upon warming over the change temperature, the material mollifies and comes back to the shape that it had before miss hapening. Preferences of SMPs over metallic SMAS incorporate light weight, high recoverable strains (up to 400%), infusion forming (to frame complex shapes), ease and SMPs have shape recuperation temperatures selectable somewhere in the range of A30 and 708C. The SMAs, nonetheless, have prevalent power attributes and can work at higher temperat

Seaborne Energy Business 2030 free essay sample

BP (2012) expressed that in 2011 worldwide oil utilization has expanded 0. 7 percent to arrive at 88 million BOPD. In spite of the way that the utilization isn't envisioning a lot of development, as indicated by UNCTAD (2012), in a similar period raw petroleum load limit arrived at 1. 8 billion tons and has a record for roughly 33% of the complete world seaborne exchange. Then, worldwide utilization of coal has expanded fundamentally in a similar period. As BP (2012) referenced in the BP Statistical Review of World Energy June 2012, coal has developed by 5. percent, which is the main petroleum product that expanded over the normal and the quickest developing vitality outside sustainable power source. Coal exchange across nations are additionally outlined astounding development. Between year 1999 and 2011 in ton mile unit coal exchange has risen 67 percent to various 2196 ton miles (UNCTAD, 2012). Besides, another vitality source that has a promising possibility to the world seaborne exchange is LNG. We will compose a custom article test on Seaborne Energy Business 2030 or then again any comparative theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page LNG is the third wellsprings of vitality most devoured internationally, after oil and coal. This kind of nergy has indicated an extensive heightening over the most recent 10 years. Since 2000, LNG utilization has developed by more than 30 percent (BP, 2012). Similarly, from 1999 to 2011, LNG seaborne exchange has raised far increasingly huge, which arrive at the quantity of 258 percent (UNCTAD, 2012). In conclusion, the different outline vitality that perhaps ready to give manageability to the world vitality and could assume a more prominent job later on is non petroleum derivative vitality particularly sustainable power source. As of now, this kind of vitality has a record of 2. percent of world vitality utilization, which has ascended from 0. 7 percent in 2001 (BP, 2012). In present time, the commitment of this vitality may not be extremely noteworthy to world seaborne vitality exchange yet with the consistent development and declining of oil holds as the principle wellsprings of vitality, sustainable power source is figured to contribute more later on and it may influenced to the world seaborne vitality exchange. With the real factors previously mentioned, it is critical to create a projection on how the vitality utilization and creat ion extent is dispersed later on. Since seaborne vehicle business is an infers request, it is basic to anticipate the improvement of the product, for this situation is vitality, so as to have a general image of the vitality seaborne vehicle business later on. It is in this manner, this article will inspect the advancement of this issue, which will concentrate on unrefined petroleum, coal, LNG, and sustainable power source transport business particularly in the time of 2030. 2. Worldwide ENERGY DEMAND PROJECTION 2030 Demand of vitality creation that prompts vitality transportation is predominantly influenced by the measure of its utilization. As indicated by BP (2012) vitality utilization driven by two fundamental viewpoints that are populace and pay (GDP). In the year 2030, total populace is anticipated to develop by 1. 4 billion, which is 0. 9 percent for every annum. Development of GDP are additionally show a comparable patterns. Driven by low and medium pay economies, the development in the following 20 years is anticipated to quicken arrive at the quantity of 3. 7 percent, raising from 3. 2 percent in the 1990-2010 period. Be that as it may, increment in populace and GDP development isn't really flood the essential vitality utilization. As communicated in BP Energy Outlook 2030 (BP, 2012), essential vitality utilization development from 2010 to 2030, which overwhelmed by the gracefully of unrefined petroleum creation, is decelerated to 1. 6 percent contrasted with 2. 0 percent somewhere in the range of 1990 and 2010. The fundamental factor to this is significant decay of world unrefined petroleum saves by that year. Another factor that has developed this circumstance is worldwide improvement of vitality proficiency, particularly for OECD nations that moving the use of oil to sustainable for street transportation and change from coal to a similar sort vitality in power age. Regardless of the deceleration, essential vitality despite everything has a considerable record to the whole world vitality utilization. The extent of essential vitality utilization and world essential vitality shares somewhere in the range of 2010 and 2030 show in the diagram beneath. As introduced in figure 1, most of all out worldwide vitality utilization despite everything contributed by the essential vitality, which comprise of raw petroleum, coal, and LNG. In 2030, these three principle vitality wares are undertaking to be expended over 12billion TOE (ton of oil proportionate) comprehensively, which around 70 percent of all out vitality devoured. In addition, from the diagram it very well may be seen the improvement of each type of vitality delineating an alternate inclination. Raw petroleum as the most consumable vitality over the most recent 20 years isn't show a critical turn of events. Decrease in its stores cause the unrefined petroleum no longer give supportability to worldwide buyer. Be that as it may, the measure of oil expended in 2030 is sensibly tremendous and still give an incredible commitment to the worldwide customer with somewhat less than 30 percent (figure 2). Then again, the advancement of the other two essential energies is impressively high. Gas especially, is anticipated to develop consistently in the following 20 years and become the quickest developing fuel fossils. As can be found in the figure 2, gas gracefully offer to the world’s vitality utilization will reach more than 20 percent by 2030. The gas flexibly to the worldwide vitality buyer will be spoken to by develop fasting LNG gracefully, which arrive at the quantity of 4. 5 percent for every annum quicker than complete gas flexibly (2. 1 percent). In the interim, development of worldwide coal utilization is showing a consistent pattern up until 2030 (figure 1). The coal utilization anticipated to increment until around 2020 however begin to decrease a short time later with China as the principle buyer of this vitality end their quick utilization. By the by, by 2030 coal overwhelm oil on the world essential vitality share (figure 2). In addition, the utilization of non petroleum derivative vitality in 2030 is anticipated to develop greatly (34 percent) and will have an a lot bigger extent to the worldwide vitality utilization as can be seen in the two figures. Non petroleum derivative, inexhaustible specifically will be significant by that year as monstrous needs of manageable force for power and transport fuel will rise the advancement of this sort of vitality. 3. Unrefined petroleum SEABORNE TRADE Aforementioned, the development of raw petroleum request won't have a noteworthy improvement, which considered the utilization development that solitary 0. 6 percent yearly somewhere in the range of 2010 and 2030 (BP, 2012). This circumstance gives a genuine effect on the raw petroleum big hauler business. Grossman et al (2006) communicated the viewpoint of unrefined petroleum big hauler business in 2030 is concealed by the vulnerability. The high measure of oil cost, declining stores of raw petroleum and confinement underway limit could influence the world raw petroleum exchange. Be that as it may, disregarding numerous vulnerabilities to a great extent, there are still some acceptable patterns concerning this business. One of the upsides is increment in moved separations, which will have a few advantages particularly for enormous size big hauler vessel. As declining of develop oil field saves that have generally close separation to the significant bringing in nations and geopolitical issues on pipeline improvements, the reliance of the merchants to significant makers in Africa and Middle East is amazingly high. Grossman et al (2006) included Maritime Trade and Transport Logistic Strategy 2030, the unrefined petroleum sends out portion of Middle East nations will raise to more than 60 percent, which implies the big hauler exchange from that point to significant exporters will have similar patterns. Figure 3 beneath, present the unrefined petroleum exchange streams 2030 convey by big hauler vessel. It tends to be seen that significant bringing in nations particularly in the Asia locale have a gigantic reliance on raw petroleum exchange from Middle East. China for example, is anticipated to import the oil from Middle East for roughly 5. 9 million BPD (IEEJ, 2006), increment more than 50 percent from 2011 (EIA, 2012). The fundamental factor of this is decrease of China oil creation to just 2 million BPD. Patterns on decrease underway limit additionally happened on other East Asia nations. Aggregately, other East Asian nations outside China and Japan just delivered oil marginally more than 2 million BPD, which constrained them to import more, particularly from Middle East district that arrive at 10. 6 million BPD. In the mean time, Japan and India that customarily are net shippers of oil is anticipated to import oil from Middle East for 3. 6 and 6. 6 million BPD, separately. Altogether, Asian district anticipated to import right around 30 million BPD from Middle East Region in 2030. One of the impacts of this circumstance is addition of raw petroleum big hauler traffic around Strait of Malacca and Singapore. As appeared in the Figure 4, the quantity of VLCC passing this waterway will increment up to 8646 nearly multiplied from 2010 and oil exchanged through this region arrive at 24. 7 million BPD, which on one hand is useful for country’s pay however then again it will cause a sensibly extraordinary clog. Moreover, US and Western Europe as the significant market partners for oil additionally relies upon raw petroleum transportation. US especially, regardless of they despite everything produce extensively huge measure of oil, they despite everything need to import it from Middle East, Africa and Latin America in light of the fact that their creation limit is no longer satisfy the residential market. Complete oil exchange from those three locales arrive at somewhat more than 10 million BPD, which is still beneath their residential creation rate. While, for Western European market, the reliance on seaborne oil exchange from other area isn't as a high as both US or Asian nations since they despite everything have pipeline appropriation from Eastern Europe, Russia particularly. Besides, in the drawn out situation, as creation limit will arrive at the pinnacle number in this p

7 Ways to Avoid Overdraft Fees

7 Ways to Avoid Overdraft Fees 7 Ways to Avoid Overdraft Fees 7 Ways to Avoid Overdraft FeesWhile there arent any ways to escape overdraft fees altogether (even if you opt out of overdraft protection) there are still many ways to keep them at bay.There are a lot of things you can do that will hurt your long-term financial outlook, like making weekly visits to the casino or investing in your cousin’s new business idea. (Uber for hot air balloons? Sure, Darryl.)But while racking up overdraft fees on your checking account is a bit more on the mundane side, it could end up doing just as much financial damage as any ill-timed family investment.Overdraft fees are most commonly created when people forget how much a bunch of small purchases can really add up,” said Shane Walker, Shane Walker, executive VP and CMO at  ProActive FinTech LLC. A zip through the drive-thru, a stop for milk and bread, some gas in the tankâ€"and suddenly, the bank account is hovering just above zero. And you might not even realize it.”With an average overdraft fee of $3 0, overspending your available funds is not a mistake you want to make. How a $15 meal can cost you $120.One of the dangerous things about overdraft fees is that they aren’t a one-time thing. Once you’ve overdrawn your accountâ€"and been hit with that initial feeâ€"every subsequent withdrawal or debit card purchase will result in a brand new charge.As a result, the bill can add up really fast.Licensed CPA  Riley Adams (@TheRiles89) shared this story from his college of how overdraft fees took a few small financial mistakes and very nearly turned them into a major money headache:“I recall an unfortunate event with my brother going to McDonald’s after class. My brother didn’t want food when we got there so I ordered myself some food and incurred (without my knowing) an overdraft fee. That $5 combo meal turned into $40.“After my brother saw my food, he got hungry and wanted to order something as well. His $5 meal also cost me $40 when the fee was included. And if it wasn’ t bad enough, when we both finished, we ordered dessert.“You can guess what happened. Three overdraft fees plus $15 worth of food was outrageous.That’s awful! Luckily, Adams’ tale of overdraft fee-induced woe has a happy ending.“Fortunately, we contacted the bank explaining we didn’t know we were overdrafting because my direct deposit paycheck was delayed that week. After clearing this up, thankfully, they waived the fees, he explained.While calling your financial institution post-mistake is always a good idea, you shouldn’t make that your go-to overdraft avoidance strategy. In order to kiss these ridiculously expensive fees goodbye. we recommend you try one (or more!) of the following seven methods.1. Use an overdraft line of credit.Adams went on to say that he rectified the situation by adding an overdraft line of credit to his account to ward off future overdraft fees. This is a product that, in essence, loans your account to cover the overdrawn funds until you can de posit more money in your account.While you’ll owe interest on any funds that are drawn from this line of credit, the rates you’ll pay will be much lower than the corresponding rates for an overdraft fee. Adams’ $120 meal, for instance, carried an interest rate of 700 percent.“It turned out to be a much less costly way to bank than hoping not to get hit with overdraft fees. Many banks have begun to offer this service and I know I’m glad I have mine, he said.2. Link an emergency fund savings account.If you can save up a little bit of money, its a good idea to link up a savings account as a form of overdraft protection. While you’ll still incur a small charge for the transfer, you won’t have to pay any interest on the transferred funds.“Setup an emergency funds savings account,” said Pete Longo, VP of Digital Banking at  Axiom Bank, N.A. (@axiombank). Do not make this your main long-term savings account but instead an account where you  set aside some emergency funds each payday. Even a small amount such as $5 can build up with proper budgeting over time.“From here you can choose to link this account to your checking account for overdraft protection if your bank offers it.  This will minimize or eliminate fees in the event of a mistake where overspending occurs.”You’ll still want to take additional steps to avoid overdrawing your account, but this is a much better emergency fallback option than an overdraft fee. You’ll also want to make sure you keep that emergency fund well-stocked, otherwise, you’ll find yourself right back where you started.3. Make a budget.Of course, the best way to avoid overdrawing your account and incurring all those extra fees is to keep track of your money! And to do that, you’re first going to need a budget.“Create a budget at the beginning of the month,” advised money blogger Yaz Purnell of  The Wallet Moth (@thewalletmoth). “Set aside money for your rent/mortgage, bills, transport, groceries, leisu re/hobbies, and any other monthly costs you incur. Simply having an idea of what money needs to go where is your first step to avoiding accidentally overdrawing your account.”Not sure how to go about building a budget? No worries! Just check this  OppLoans Guide for first-time budgeters, complete with a free budgeting spreadsheet to help you get started!4. Get a money tracker.Creating your first budget is a huge step in the right direction. But once you’ve got that in place, you’ll still need a way to keep track of your spending. That’s why Purnell recommends using a money tracking app.“There are so many free money trackers out there, from Mint to Yolt, that can be easily installed as an app on your phone to track your income and outgoings,” she said. “Download a money tracker and get into the habit of checking your outgoings on a daily basis so that you always have a good idea of how much you can afford.You might even have a money tracker right there in your checking account!“Many banks offer this to customers in their online or mobile banking, said Longo. “If your bank does not offer it and you do not want to switch banks than look into a free alternative by searching online for personal financial management.5. Set up bank notifications.Sometimes, folks will knowingly overdraw their account because they feel that they have no other choice but accept the fee. But many others simply don’t keep track of their checking account balance and incur overdraft fees on accident!A great way to avoid the latter is to set up notifications on that checking account that will alert you when your balance is getting low.“Utilize your bank’s real-time notification system in your online/mobile banking,” advised Longo. “Setup notifications to be sent to your smartphone or email when your checking account balance falls below a set balance (i.e $25).“This will give you a friendly warning when your funds might be a little too close for comfort and poten tially stop you from accidentally ‘overspending’.”6. Use multiple bank accounts.If you’re like a lot of people, then you probably only have one checking account that you use for everything. But have you ever considered using multiple checking accounts for different expenses? Doing so could be the key to avoiding overdrafts.“For larger monthly bills, like your rent and electric, set up a separate bank account and regularly add money to it. Enough to cover those bills, on time, every month” said Walker. The key is to only pay your larger bills from that account, like your utilities and mortgage.“By keeping a separate account from your everyday spending, you arent dwindling down your balance with daily expenses. The money for those large bills is safe and ready when needed. The average household should have less than 10 payments going out of that account per month, making the math easy.”In a similar fashion, Walker also recommended purchasing gift cards to use on your w eekly in place of a debit card.“Gift cards have a hard limit that cannot be exceeded and you cannot incur overdrafts on them,” he said. “You can get gift cards for gas, groceries, restaurants and more. They even have them for most major cell phone providers.”7. Don’t opt-in. (And if you have, then opt-out.)In the end, there is only one way to avoid overdraft fees altogether … and even that option won’t work in certain circumstances!If you are already at a bank that you are comfortable with visiting a branch and discussing “opting-out” of overdraft privileges on your checking account’s debit card. This will make it so your debit card will simply be declined if at the point of sale and there are not enough funds available,” said Longo.But even opting out won’t work all the time.One thing many people do not understand is that even if you do not opt-in for overdraft, you can still get an overdraft fee,” said Adam Rust, Director of the consumer rights non-profit  WiseWage.org (@WiseWage).“The bank only allows you to opt-out of transactions where they can verify good funds prior to approval. If you write a check, they will charge you an overdraft fee and pay the bill or decline to pay and charge an insufficient funds fee.”And make sure you keep track of your automatic bill and subscriptions!“Important reminder that your account can still be overdrawn in this scenario if you have recurring bills setups such as Netflix or a gym membership as opting out cannot prevent these preauthorized charges from coming through” warned Longo.Overdraft fees vs. bad credit loans.Bad credit loans are way more expensive than regular  personal loans. And while the rates for some bad credit  installment loans can be fairly reasonable, the annual rates for  no credit check loans and short-term bad credit loans like payday loans, title loans, and cash advances  can be beyond ridiculous.Even so, when compared to overdraft fees, the cost of those no credit c heck loans can seem downright reasonable.According to a 2014 Consumer Financial Protection Bureau study on overdraft fees, the average overdraft transaction was $24, the median overdraft fee was $34, and most of those fees were paid back within three days.To compare: If someone borrowed paid $34 to borrow $24 over three days with a no credit check loan, that would add up to an APR of 17,000 percent!While bad credit loans pale in comparison to the overdraft alternatives listed above, you might actually be better off using a bad credit installment loan to cover an unexpected bill or financial shortfall than you would be using overdraft fees.If youre living paycheck to paycheck, there simply isn’t a way to completely escape overdraft fees. Thats why your best solution is to stop living one pay period at a time. And that means building a budget and increasing your savings. To learn more about how you can take control of your  financial future, check out these other posts and articles from OppLoans:How to Raise Your Credit Score by 100 PointsSave More Money with These 40 Expert Tips10 Good Money Habits to Make Your Friends JealousFrom Budget to Baller: 6 Tips to Grow Your MoneyDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsRiley Adams (@TheRiles89) is a licensed CPA in the state of Louisiana working as a Senior Financial Analyst for a Fortune 500 company in New Orleans. He has a personal finance blog dedicated to helping young professionals find financial independence at YoungAndTheInvested.com.Pete Longo is the Vice President of Digital Banking at  Axiom Bank, N.A. (@axiombank), a Maitland-based, leading community bank. He has more than a decade of experience in banking, business development and financial software vendor management. Pete graduated with a degree in business management and an MBA from Stetson University.Yaz Purnell  (@thewalletmoth) is the founder of  The Wallet Moth, a personal finance blog that focuses on sustainable changes anyone can make to create your dream lifestyle.Adam  Rust  is the Director of Research at Reinvestment Partners   (@ReinvestPartner) and the Director of WiseWage.org (@WiseWage). He advocates for an  inclusive financial system. WiseWage has enabled thousands of workers to manage their finances with safe and affordable accounts overdraft-fee-free accounts. At Reinvestment Partners, he has pursued campaigns related to payday lending, basic bank accounts, overdraft fees, high-cost credit insurance, and home mortgage lending. He is an Interim Board Member of the US Faster Payments Council.Shane Walker is  the executive VP CMO at ProActive FinTech LLC. He  gives people better control of their finances by digitizing the successful concept of the envelope system for budgeting. At ProActive Budget, theyve  combined the modern convenience of a debit card with the proven budgeting system of using envelopes.  It works because it requires a person to consult their budget before they spend. It changes the behavior of spending money.