Oniomaniac | Compulsive Need to Buy Things
Oniomaniacs can’t stop shopping
Many people who love spending time at the mall and filling their closets with the latest fashions call themselves “shopaholics.” Usually it’s followed by a laugh or a joke, but this habit can sometimes take the form of a destructive disorder called oniomania, which is the clinical [...]
Will Cell Phones Replace Credit Cards?
Cell phones and credit
In many countries outside the U.S., cell phones have replaced credit cards. In Japan and Finland, for example, travelers rarely carry cash, checks or credit cards, but rather swipe their phones or send text messages to pay for train rides.
In the U.S., the cell phone hasn’t yet [...]
Can Payday Loans Protect Your Credit History?
Economic crisis
Payday loans could save you from the horrible economic environment that we currently live in. The economic crisis is affecting every single one of us, including many major businesses.
It was once thought impossible for high-end shops and even banks to get themselves into difficulty. However, this recent crisis has [...]
Consumers Look to Debt Relief Options as DOW Changes
New Dow Jones
Consumers are looking for more debt relief options as the stock market continues to fluctuate. This week the DOW Jones Industrial average made some drastic changes. The DOW Jones average is a roster of thirty stocks that most effectively weight the Wall Street’s financial climate. The DOW dropped [...]
No Need for Credit Repair:Create Creative Parties for your Family
Have fun with your “peeps”
Some people throw parties so outrageous that they have to seek credit repair when the smoke clears and the guests have left. But there are other ways to throw nice parties, for your friends, co-workers, or family. These ideas are broken down in a step by [...]
Dave Ramsey Holds ‘Town Hall for Hope’
Money talks
Well known radio host, author and motivational speaker Dave Ramsey doesn’t want to sit back and watch the recession take over people’s lives anymore. Ramsey is holding a “Town Hall for Hope” tonight to discuss “what’s happening with the economy, how we got here, and where we’re going.”
His live [...]
Stay Away from Scams | Debt Consolidation Part 8
Con artists everywhere
As is the case with mortgage loan modification, any time there is an increased demand for a financial service, scam artists come out of the woodwork. There is always someone looking to prey on desperation and anxiety if it can help them make a buck.
Debt consolidation is no [...]
Top 10 Ways to Increase Your Credit Score
Consider this
If you’re considering applying for a mortgage, a personal loan or a credit card in the near future, then you might be surprised to know that such a simple financial tool as a payday loan could potentially help increase your credit score.
Average credit score in the U.S.
The average credit [...]
Colonial Bank Struggling to Stay Afloat
Company needs capital
Colonial Bank’s parent company needs to raise money by the end of the month, according to an informal agreement it made with banking regulators.
Colonial BancGroup, the bank’s owner, entered into the agreement after Colonial Bank lost $880 million last year and then said it would accept $533 million [...]
Obama Plan Aims to Aid Small Businesses
Banks urged to lend
President Barack Obama today announced a plan to help get “the heart of the American economy” beating regularly again. Much of the effort is aimed at encouraging banks that received bailout money to give small business loans.
Why small businesses?
Obama stressed that small businesses were responsible for 70 [...]
Pay Off Cash Advances, Charges on AMEX Card, Get Cash
Company offers select customers reward
American Express customers who can pay off all of the cash advances and charges on their credit cards might be eligible for a cash reward.
The company has sent letters to certain customers who could qualify to get $300 if they pay off their full balances in [...]
In Credit Crunch, People Turn to Payday Loans, Microloans
Nontraditional lending more popular
Payday loans and microloans are becoming more popular as the recession and the credit crunch have made it more difficult for borrowers to secure financing.
Even individuals and businesses with good credit are being turned away by traditional lenders. Individuals are turning to payday loans more often, and [...]
Do You Know More on Payday Advance Loans than a Boy Scout?
Scouts aim for personal management badge
Boy Scouts are too young to get payday advance loans. However, with a new merit badge up for grabs, more will be ready to properly evaluate their financial options when they become adults.
To earn the personal management badge, Boy Scouts must be able to correctly [...]
A Payday Loan can help to Cover Unexpected Expenditures
Ward off unexpected expenditures with a payday loan
A payday loan may be used to even out unexpected expenditures. It is always good to live within your budget but it is hard to keep up with it. Living within your budget is never easy; then, when there’s an emergency expense, it [...]
Middle Class Payday Loans Becoming a Common Sight
Payday loans for the middle class
Sometimes, payday loans are necessary. When average citizens face the hardships that come along with a deep economic recession, something has to fill the gap if an unexpected expense comes along. Across the nation, an increasing number of middle-class families are embracing this reality, according [...]
Payday Loan E-Book |Tips for Smart Borrowers
What information do you need to know about applying for a payday loan?
There are so many important facts and issues that are highly relevant to applying for a payday loan or installment loan that uninformed borrowers pay a higher price. Here are just some quick facts that all borrowers should [...]
Payday Loans: The Right Cost for the Right Product
Payday Loans Becoming More Popular
Payday loans are a fast, discreet means for consumers to obtain short-term credit in an emergency. Their popularity has increased significantly over the past decade, which may easily be attributable to credit-challenged borrowers’ need. Yet there are dogged parties (particularly banks and associated special interest groups [...]
Payday Loans and Consumers Hurt When Usury Laws Squeezed
Payday loans, like most other forms of lending in America, are subject to state usury laws that are intended to provide borrowers with a modicum of protection. Yet is it possible that usury laws are so restrictive that they are squashing competition, which leads to a weaker market (and hence [...]
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