Reduce Your Medical Expenses by Negotiating
Yes, you really can negotiate the cost of medical care
Although many people are not aware of it, the medical industry is one of the few American industries where negotiating the price is not only acceptable, but common. The reason many uninsured or underinsured people are quoted higher prices than insured [...]
Payday Loans: Going Where the Need is Greatest
Fed Study Shows Payday Loan and Related Outlets Cluster
Payday loans are an inescapable landmark in America’s modern economic landscape. The popularity of the short term loan product has grown significantly since the early 1990s, and it’s no wonder. Giving consumers the ability to absorb financial shocks in the short term [...]
Beef Recall in effect from the CDC | 2 Die from E. Coli
2 dead from tainted beef in New England
The Center for Disease Control has issued warnings for people on the Eastern seaboard to watch out for a large shipment of recalled beef, as up to over a half a million pounds of ground beef have been found to be contaminated with [...]
Vanderbilt/Oxford Study: Payday Loan Firm Profits Not Excessive
Profits are in Line With Traditional Lenders, Says Study
Infinite profits earned off the backs of the infinite suffering masses. If you take your news from the multi-colored, sugar-laden toothpaste tube that is the mainstream media, then you believe that the payday loan industry is reaping massive profits while those who [...]
Unemployment Holding Strong, Jobs Won’t Return Until 2012
A long wait lies ahead
The ridiculously high national unemployment rate (9.8 percent) has convinced Congress to consider a bill that would allow people to collect unemployment for an additional 13 weeks. However, an unemployment extension of three months might not be long enough for many people.
CNN Money reports that the [...]
Installment Loans: A Strong Option When Credit Access is Limited
Do Race and Ethnicity Restrict Access to Traditional Credit?
You’ve more than likely heard the call to arms “Stimulate the economy!” before. It takes expenditure in order to keep the wheels of commerce flowing. While the current recession has made that difficult – people are still highly unwilling to spend on [...]
Credit Counseling – Debt Management Plans and Consumer Psychology
Finding the Link between Consumer Attitude and Intent
When a consumer enters into credit counseling, a common element of any program is what’s called the debt management plan (or DMP). In a DMP, the consumer agrees to make a set monthly payment to their credit counseling agency. Those funds are in [...]
Debt Relief – When Should Governments Get Involved?
IMF Study Presents a Clear Blueprint (in Theory)
The global recession continues to batter our financial shores, and world governments are working non-stop to implement programs designed to restore the financial viability of borrowers and promote debt relief. There are numerous theories regarding just how government should go about assisting populations [...]
Car Deal Expert: A New Full-Service Car-Loan Site
Low-interest loans and expert answers
If you’re in the market for a new or used car or wondering if there’s a way to lower your monthly payments on the car you own now, check out the new Car Deal Expert website. It’s a great resource for anyone who owns a car [...]
Payday Loans Beat FDIC Small-Dollar Loans Hands Down
Payday Loans Profit With Lower Overhead
The payday loan industry continues to fulfill the needs of consumers, particularly during the tight times of the recession. On volume, payday lenders are able to make profits that allow them to continue to operate in the majority of states. Thus, the relationship between consumers [...]
Living to 100 | Life Expectancy Calculator Encourages Health
Will our babies end up living to 100?
The idea that babies born today will end up living to 100 is becoming a popular theory as advances in health education and medical care increase life expectancy. The Living to 100 Life Expectancy Calculator at livingto100.com supports the theory that with the [...]
Cyber Monday, the New Black Friday
Online retailers offer holiday deals
Retail stores have long awaited, prepared for and depended on Black Friday, the day after Thanksgiving, as a huge day for sales — a day that can single-handedly put them in the black. Of course, the Internet is changing the way people do everything nowadays, including [...]
Payday Loans and Tax Rebates: How Consumers Handle Shocks
Educated Consumers Use Payday Loans During the Recession
There currently exists no definitive study of how payday loans are used. Researchers from both sides of the aisle (pro and anti-payday loan interests) are working on it, however. For now, there are studies like “What Do High-Interest Borrowers Do With Their Tax [...]
Fed Study Unintentionally Paints Rosier Picture for Payday Loans
Why Use Credit Cards When There Are Payday Loans?
Credit cards have proven to be both a useful tool in establishing a credit history and a bane to those consumers who hope to maintain a good credit history. The temptation to “swipe and go” has been actively cultivated by the American [...]
New Rules Will Prohibit Teens from Having Credit Cards
Drinking age is the new credit card age
When a new piece of legislation takes effect in February, anyone younger than 21 will need a cosigner older than 21 to get a credit card. I believe this is a very positive step that will keep a lot of people from getting [...]
HandsOn Network, Disney Team Up to Encourage Volunteers
Largest volunteer network in the U.S.
We have all heard the president calling for everyone to be good citizens and do volunteer work. Now, there’s a little extra incentive from Disney, who is running the “Give a day, get a Disney day” promotion. Disney has teamed up with the HandsOn Network, [...]
Payday Lending Catching On at Credit Unions
Give the people what they want
Payday lending has been consistently bashed by banks and credit unions that have been eager to capitalize on a legitimate market where there is real demand. The overriding desire has been to get people away from small loans and lock them into longer-term (read: longer [...]
Cash Advance & Payday Loan 90 Day Trend Report
Statistical Report on Payday Loans, Cash Advances, and Other Types Of Personal Loans
Personal Money Store is not a lender itself. However, it does provide a free service that matches borrowers with lenders. This provides a unique look into the inner workings of the sub prime lending industry. There are a [...]
Obama Has Plans to Help You Save Money
Three ways to increase personal savings
The government has always pushed for people to put money into personal savings. Now President Barack Obama has created ways that will actually make saving easier for workers.
Just like Personal Money store makes online payday loans easier, Obama has come up with these three ways [...]
Birthday Freebies | Sign Up Now For Great Free Stuff
Find birthday freebies all over
I was very surprised today when I found out about the number of birthday freebies that are available. It makes me wonder why I bothered to spend all that money on birthday dinners and lunches and treats before. For many birthday freebies, though, you must sign [...]
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