Instantly you can get your loan with no paperwork, pay in one day, have it processed within 24 hours, and be able to get out that same day, and walk into the bank. In most cases that is faster than the regular system. We use a proprietary technology that allows you to receive your loan within 15 minutes after it has been approved. That allows you to go shopping without having to wait at the bank for your loan to be processed. And the process for applying for the loan is even faster, so the only thing you have to do is fill out a few forms, get approved, and you're done! It's called instant approval. That's not something that we do with our competitors.

Our system is a simple system and makes it very simple to get your loan approved and to get out. It's instant, simple, and it gives you instant access to a line of credit, which is very important for young professionals in this economy having access to no credit check loans online.

If you've got kids, I want to encourage you to think about getting a home equity line of credit because it can allow you to go through a little bit of a lean time at your workplace, a period of adjustment, and when you start making some cash you can get your mortgage secured, get your home equity line of credit started, and you're not worried about paying it off while you're still going to work.

Here's the thing, when you go to get approved for a home equity line of credit you can put a limit on your line of credit and if you have a high balance you're not going to qualify for the credit limit because of the way the program works.

So if you know what you're doing, you could have a line of credit that will take up to 20% of your income, so if you have $15,000 and your income is $10,000 then you can get an HSA up to $5,000 and you're at 20% of your income and that would allow you to go forward and pay off your credit card and never have to pay it off ever again. But it's not an option in every state." You can take use of the handy loan calculators online you can find in our website.

How did you go from a $500 income tax refund to getting an HSA?

"I found this great site by a doctor, and I used that for all my income taxes and my state income taxes for some years and then I wanted to open up my own health savings account, and I used that for all my family members and now I've been putting all of my money into a HSA and I've already paid some pretty large tax bills."

What's the best part about the HSA? "The greatest thing about the HSA is that I never have to pay a deductible ever again. I was able to use that as my 401k and I was able to put those into a Roth. That's a pretty good return. And for me it was about saving for retirement, which is super important for a young couple like us, but it was also about giving people more options and choice. And that's really why I've been so excited about the HSA."

What's next for you? You said you want to open a health and wellness center and sell health and wellness products. How did you get started in this new business? "I started with the wellness and nutrition side of things because that was what I was going to do in life.