Debt Consolidation Is Not for Everyone
Let’s keep it real
You are overwhelmed with debt. You have eight credit cards that are all maxed out. Making the minimum payments is causing much financial stress, and you are not making any headway on getting out of debt. What can you do? Get help, get debt counseling, find someone [...]
Why Worry About Bank Failures?
Depositors Must Retain Confidence
Depositor confidence in the banking system is vital to the working of the modern economy. Banks lend out money assuming that they are not going to face a situation where all their depositors demand to withdraw funds simultaneously. At the same time, depositors entrust their money to [...]
Your Home is Still Your Greatest Asset
Why Invest in a Depreciating Asset?
Many people balk at putting money into their homes in the current situation. Home prices and values are falling, and equity loans for home improvements are all but impossible to get. With falling values, few people have any equity left.
No one can blame homeowners for [...]
How to Avoid Getting Caught in a Phishing Scam
Falling for the phishing bait
If you have not yet heard about bank phishing (pronounced “fishing”) it is in your interest to find out about this scam. Phishing is a form of Internet banking fraud that criminals have found is an effective way of stealing, but it does not have the [...]
Should You Take Out A Home Equity Loan?
Owning a home still has significant benefits
Contrary to what you may have heard, many people still dream of owning a home. For those who already own a home, benefits may prove to be even more worthwhile. The only way to really make the most of your equity is to take [...]
Consumers Using Payday Loans and Tax Refunds to Pay Bills
Paying off bills with tax money
Consumers are using payday loans and their tax refunds to pay necessary bills. In the past, taxpayers saw their tax refunds as additional money to do something fun with. Whether it was a vacation, a new TV or a down payment on a vehicle, people [...]
Close Ties Between Your Waistline and Your Bottom Line
Connection Between Heart and Wallet
You may often hear the adage “at least you have your health” when a person’s financial state is dire. We often make a distinction between our physical well-being and our financial well-being. However, there are more similarities between keeping our bodies and our bank accounts healthy [...]
Payday Loans and Bankruptcy in Canada: No Clear Correlation
Manitoba University Study Unintentionally Dispels Numerous Myths
Human Ecology professors Ruth Berry and Karen Duncan of the University of Manitoba appear to have been ready to point the accusing finger at payday loans in Canada. Given supporting data, it appears they would have been happy to report that payday loans and [...]
Money-Saving Tip Your Bank Doesn’t Want You to Know
APPLY HERE for an Instant Cash Advance
Money for nothing
In these difficult economic times, the average American family is forced to live paycheck to paycheck — if they are lucky enough to have jobs at all. When the U.S. government bailed out Wall Street, the major banks got huge cash infusions. [...]
Parents Can Find Some Debt Relief With $2,500 Tuition Credit
Tuition credit
Parents looking for some debt relief can find aid trough a tuition tax credit of up to $2,500. Part of Obama’s stimulus bill is the higher-education tax credit. The stimulus, signed into law in February, should hopefully help Americans who are financially struggling.
This particular tax credit aims to help [...]
Major Benefits of the New Laws for Credit Cards
New laws
The Obama administration is working hard to reform laws for companies who issue credit cards. On May 22, the president signed off on the Credit Card Accountability, Responsibility and Disclosure, or Credit CARD, act of 2009.
The bill is set to improve the way companies deal with consumers and act [...]
Instant Online Loans Make Getting Cash a Snap
When things don’t work out the way we expect
Whether you have car trouble, a late bill that needs paying, or need to buy groceries a week before payday, there are always times when you need money ASAP. There are some things that just can’t or shouldn’t wait. Maybe your employer [...]
Study of Overdraft Fees and Protection Cries Out for Reform
When Traditional Banking Becomes Parasitic
If you’re able to see past the shady origins and history of the Center for Responsible Lending, you’ll see that occasionally they do good work that benefits society. While they’re certainly no friend of the payday loans industry, I find that their recent report on the [...]
Payday Loans Offer Help When You Need It!
Get quick payday loans when needs arise
Even when there’s a paycheck coming in every week, sometimes it’s not enough to handle that unexpected emergency or expense that you didn’t budget for. Life can come at you fast with sudden changes such as your automobile breaking down, appliances needing repair, even [...]
You Don’t Need Secured Loans to Get Quick Cash
Apply for Quick Cash HERE!
Get payday loans with no collateral
If you think secured loans are the only way to get quick cash and that you have to put your personal property in jeopardy to get a loan, have I got good news for you! You can get payday loans and [...]
Can’t Wait till Payday? Payday Advance Loan to The Rescue
APPLY HERE for a Payday Advance Loan
Working closely with trusted lenders
Most payday advance loan options are not only confidential, they’re highly convenient. Consider the following scenario: it is entirely possible you may take approximately three to four minutes to fill out the payday advance loan application online.
After filling out your [...]
Consumers Who Need Debt Relief May Find a Better Bank
Banks and debt
In an effort to find new customers, banks are aiming to help with a big public concern: debt relief. TD Bank, located on the East Coast, hosted a free pizza night for potential customers. Citizens Bank has promised to give new customers $1,000 if they are saving for [...]
Dodd’s Reform Bill Threatens Power of Federal Reserve
Debt Relief Would Be a Whole New Ballgame
The people of American are looking for debt relief any way they can find it these days, and it appears that the only way true gains in this area are going to be made is if major restructuring of America’s financial regulatory agencies [...]
The Cost of Payday Loans: Not Excessive, Study Shows
Study of Detroit Area Households Yields Surprising Results
There are numerous entries in the volumes of study on payday loans which suggest that low- to middle-income (LMI) families are the most frequent users of the product. Where access to credit and liquid assets are limited – particularly in areas that are [...]
401K Funds Allocation 101: Set Yourself Up for Retirement Success
Impact on nation’s retirement accounts
These days, it seems as if you can hardly turn on the TV or radio without hearing news of the current economic recession and its impact on our nation’s retirement savings accounts. And it’s true – many people’s 401K, 403(b) and IRA accounts have lost significant [...]
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