Have you ever needed a payday loan funded promptly?

Personal Money Store can assist you in getting the top-of-the-line loan for your needs in as little as 2 hours. Everyone needs help now and then. Ask yourself these few questions. Do I need cash to help pay my bills, get groceries or an unexpected expense?

• We require neither credit check nor any faxing
• Secure and confidential
• Lenders compete for your business
• Network of Lenders

It is simple to get the loan you need

We have many companies that compete for your business as soon as you call or apply for a loan online. We will require no credit check nor will we require you to fax any necessary documents.

Our network of providers gives you a great chance of getting the desired loan you need instantly. You’ll not have a long wait, but a quick and prompt response without any waiting nor do you need to look for other services.

Nowadays, many people are very busy

On that note, you can apply for a loan right now, or during your lunch break at work, even when you’re relaxing at home. Applying is easy and quick.

Our easy to use web application and our ability to find lenders quickly mean that you will have money deposited to your account very fast and securely into. This is a short term loan you can use for any emergency or because you are in need of extra cash for daily activities

Online payday loan requires no faxing

When you apply for an instant payday loan, the payday application data will be stored utilizing the latest data encryption and security measures. You can rest assured that your personal information will be kept very confidential and safe in our systems.

Personal Money Store understands that there are times that you need cash for emergency situations. The best thing about using our online service is not having to go out looking for one. We are here to assist you online.

Apply now for a short-term payday loan!

Once you are an approved payday loan applicant, you will be informed immediately that you qualify for a payday loan.  The only agreement is between yourself and the approved lender; and not Personal Money Store. Please always read any necessary agreements you will receive from your lender carefully.

Apply HERE for a Payday Loan Online

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. Since then, major banks like Chase and Bank of America have been reporting record-breaking profits.

Is this because they are making profitable loans to consumers and businesses, earning money the way banks traditionally do? No. In fact, banks’ lending levels are the lowest they have been in more than a decade. What is the secret to their record profits? Fee revenue, or as we all call it: Overdraft Fees.

NSF fees are costing Americans billions

According to the Washington Post, consumers paid a stunning $23.7 Billion dollars in overdraft fees in 2008, and that number is expected to rise dramatically in 2009. An estimated 51 million Americans have been forced to pay at least one overdraft fee in the past year at an average of $35 each.

Ouch. These fees are making cash-strapped families hurt even more. What is worse, banks used to have more forgiving policies regarding overdrafts, but now some only allow one overdraft fee per year to be removed.

Congress is regulating overdraft fees

Congress is considering overhauling the laws that govern overdraft fees, but it could be years before those laws go into effect. Yet, many Americans have discovered a secret method for preventing overdraft fees and saving money, while being able to cover their daily expenses until their next paycheck. What is the secret? Online payday loans.

Borrow money through your computer

Most Americans loathe the idea of getting a payday loan from a cash advance store in a strip mall. People are embarrassed to admit they are having financial difficulties, and frankly being seen at a payday loan store could be a huge social stigma.

Thankfully, the internet has revolutionized the way people can borrow money when they need it. You can receive up to $1,500 in two hours or less, and have the money deposited directly into your checking account. You don’t need good credit to qualify for these loans, and you don’t even need a fax machine!

The true cost of overdraft fees

Look at the math. Say you were getting paid on Friday, but your bank account came up just $3 short on Thursday. One single overdraft fee would cost you $35, creating an effective annual interest rate of 260,245 percent! As most people know, having just one overdraft fee is rare when your account balance is low. If you just buy gas, go to the grocery store, pay for child care, and pay your electric bill the day before payday, you could owe $140 in overdraft fees and in reality be paying more than 1 million percent interest!

Payday Loans help you save

Online payday loans just make financial sense. If it cost you $15 to borrow $100, and it saved you $140 in overdraft fees, its like putting $125 in your pocket. The key to saving money on payday loans is to make sure to pay them back quickly, as the fees can get expensive over time. If you don’t have the money to pay the loan back within then next two weeks, consider an installment loan, which offers a more affordable payment plan.

Your secret to beating the banks

Your banker will tell you that payday loans are dangerous and expensive. What they don’t want you to know is that they are making a killing on overdraft fees, and wouldn’t want that money to go away. Do your own homework, and you’ll find out that banks are profiting billions while America suffers. Take matters into your own hands and get an instant cash advance today.

If you need an instant cash advance, APPLY HERE

Payday loans are heavily regulated in the Canadian province of Manitoba. This flies in the face of reason, as 310-LOAN's executive study indicates. (Photo: picasaweb.google.com)

Governments both large and small often take it upon themselves to decide what consumers should or shouldn’t be able to do with their own money. Call this the “nanny state” mentality if you will. Regardless, it seems that a population is somewhat less than empowered if the ability to make financial choices is taken away, replaced by rules (explicit or otherwise). Through the eyes of capitalism, if consumers are not afforded self-determination, the market flounders and the people become increasingly dependent upon their government for financial protection.

The payday loans industry has taken its lumps when it comes to regulation-happy governments. Despite well-reasoned arguments that reflect the trends, tendencies and – dare I say it – general will of the people, numerous governments have managed to push through legislation that effectively kills consumer choice and destroys the payday lending industry within the affected region. In addition to the obvious unemployment that results from such careless legislation, the consumers who demanded the payday loan product are driven to less desirable (more expensive) alternatives. There’s a reason they weren’t depending upon the traditional banking system in the first place. Just because payday lending is regulated out of states and provinces doesn’t mean all of the consumers who depending upon payday loans are acceptable risks by traditional banking industry standards.

Manitoba Allows 17 Percent APR

This rate cannot sustain a payday lending business that relies upon payday loans alone for operating profits. It’s been proven many times over. Canada’s provinces have made life difficult for businesses that offer payday loans. British Columbia has a 23 percent APR rate cap, Quebec caps rates at 35 percent and Nova Scotia allows 60 percent. Compared with Nova Scotia, it seems that Manitoba payday lending lobbyists forgot to show up for the party. I jest, of course. One 2007 study by Andrew Smyth and Nathan Slee of 310-LOAN (considered to be Canada’s largest direct payday lender) makes such a clear case that one wonders if Manitoba’s government even read it. If they had read it and still voted to go with a 17 percent APR cap, you’d wonder either what axe they have to grind or who was fronting their retreat to Aruba.

“Evidence pertaining to public hearings before the Manitoba Public Utility Board to determine maximum allowable charges and fees for payday loans“

To preface the study, the authors cite a comment by Manitoba’s Minister of Finance at the time, Greg Selinger. Selinger said that “The intention is not to drive the companies out of business, because people are showing an interest in having this service, but to make sure that when they offer the service they do it in a way that’s just and reasonable.”

What is “Just and Reasonable?”

310-LOAN, according to the authors, clearly explains their fee structure to customers before any agreements are signed. They also verify that customers are actively employed as opposed to depending upon pensions or social assistance. That is a reasonable way to treat one’s payday loan customers, it would seem. Furthermore, 310-LOAN will not accept applicants who already have more than two NSF transactions in their recent banking history or more than one outstanding payday loan with another lender. They accept applicants who can reasonably repay their payday loans. Such is a protection for both the consumer and the payday loan company. Just and reasonable care is taken that neither party is exploited.

Who Uses Payday Loans?

The study authors utilize payday loan studies from Statistics Canada (StatsCan), IpsosReid, Environics, The Public Interest Advocacy Centre (PIAC) and StratCom. When available, these findings are compared against the general Manitoban population. The data for Manitoba indicates that payday loans are used by consumers who earn a slightly below average income for the province, but these consumers are far from being the “victimized poor.”

Average Age: Neither Too Young nor Too Old

According to Environics, the average Manitoba payday loans customer is 39 years old. StatsCan puts the number at 39.5, while PIAC found the average to be 42. With these and all the following results, it should be noted (and perhaps goes without saying) that the survey audiences are not identical.

Gender Split

It’s nearly a 50/50 split according to most studies. The 2006 Census for Manitoba gave a three to four percent bump up for female payday loan customers, however.

Marital Status: Most are From Married Households

The 2006 Census found that 48 percent of payday loan customers in Manitoba were married. Environics recorded 49 percent while PIAC was significantly higher at 59 percent. For single payday loan customers, the numbers were almost identical across the board: 35 percent by the Census, 35 by Environics and 31 percent according to PIAC. Only a small sample listed themselves as separated, divorced or widowed: 17 percent in the Census, 15 percent by Environics’ count and 10 percent according to PIAC.

They Will Have Residency

Partakers of payday loans in Manitoba tend to weight more heavily toward being renters, but the RBC Home Ownership Survey used for a portion of the data indicates that a majority (61 percent) do indeed own homes. In total, renters totaled 39 (RBC), 76 (Environics) and 41 percent of the respondents. Home ownership was 61 percent according to RBC, 21 percent for Environics and 59 percent for PIAC. The variations in the Environics study are curious, but not discussed by the study authors.

Household Income: Below Average, But Not Poor

Manitoba’s payday loan portrait is decidedly middle-class according to data the study authors present. Using 2001 Census data for the province, the average income for all Manitobans was $58,360. Looking at payday loan customers, PIAC found that the average income level was $51,400 and StratCom (using stats for Toronto in the Ontario province) marked it at $53,480. Environics was considerably lower at $41,376, while StratCom (using Vancouver, British Columbia data) was $42,026.

Education Level: Educated Payday Loan Customers

Using the same sources as the previous indicator, the 2001 Census found that 23 percent of Manitobans had graduated from university, 31 percent had gone to college or vocational school and 24 percent had at least a high school diploma (leaving 23 percent under that education level). StratCom (again for Vancouver) puts those numbers at 16, 28, 44 and 12 percent, respectively. StratCom Toronto clocks in at 26, 36, 34 and a miniscule three percent (more highly educated in urban Ontario, it seems). Environics’ distribution is 21, 43, 20 and 14 percent and PIAC’s is 18, 23 52 and six percent.

Employment: Payday Loan Customers Have Steady Jobs

As stated earlier, 310-LOAN requires that their customers be gainfully employed. While this standard is not exclusive in the payday lending industry as a whole, it is a dominant requirement to which most lenders adhere. Looking first at the general population of Manitoba as surveyed by Environics, we see the following breakdown, supporting the notion that payday loans in Manitoba and beyond are taken by consumers with the ability to repay:

• Employed: 62 percent
• Unemployed: Four percent (very low by today’s standards)
• Student: Six percent
• Retired: 21 percent
• Homemaker: Four percent

The total sample of payday loan customers taken by StratCom (Vancouver and Toronto) is as follows:

• Employed: 89 percent
• Unemployed: Four percent
• Student: One percent
• Retired: Four percent
• Homemaker: One percent

For Environics in Manitoba:

• Employed: 78 percent
• Unemployed: Seven percent
• Student: Two percent
• Retired: Five percent
• Homemaker: Two percent

And finally PIAC:

• Employed: 70 percent
• Unemployed: 10 percent
• Student: Eight percent
• Retired: Seven percent
• Homemaker: Five percent

Why Does Manitoba Use Payday Loans?

Emergency cash and money to cover unexpected expenses are the main reasons given in the PIAC and Environics studies, report the 310-LOAN study authors. Environics also found that consumers use payday loans to avoid bouncing a check. For Environics:

• Necessary Emergency Cash: 36 percent
• Covering Surprise Expenses: 24 percent
• To Cover a Potential Bounced Check: 21 percent
• Short-term Income Shortage: 11 percent
• For Discretionary Purchases: Four percent
• Other: Three percent

PIAC showed similar results, but notice the differences, which are not excluded to the categories PIAC respondents didn’t even cite that did rank in the Environics study:

• Necessary Emergency Cash: 31 percent
• Covering Surprise Expenses: 34 percent
• Bounced Check: Seven percent (why it’s so much lower is unclear)
• For a Major Purchase: Five percent
• Discretionary Purchases: 16 percent (why so much higher?)

When Banks Simply Won’t Do

Speed, convenience, privacy and the ability to handle emergency financial situations were all significant indicators for payday loan customers across multiple study sources. In addition, there is some evidence that suggests some dissatisfaction with traditional banking sources. See the authors’ study for specific numbers. It should also be noted that the studies referenced lean significantly toward “very satisfied” or “somewhat satisfied” for consumer approval level with payday loans and alternative financial services.

What Does a Harsh Rate Cap Do to Payday Loans in Manitoba?

310-LOAN’s study authors attempt to illustrate this is terms of where their own business is in the product life cycle. They claim payday lending is reaching the maturity stage, where saturation in society is relatively high. “In the case of payday loans, as more lenders appear, consumers are more exposed to the product and more inclined to use it,” write the authors. The saturation tends to intensify competition, leading the market toward greater self-regulation of pricing. This competition ultimately benefits the consumer, but the competition must be allowed to reach its apex if they are to fully reap the benefits. That’s the nature of a free-market economy.

Canadian Government Thinks Competition Should Already Be Maxed

Thus, they think rates should have already reached the lowest “consumer-friendly” point. Since they consider rates to be too high (a notion that the average consumer surveyed disputes), governments impose rate caps. It kills payday lenders, but does not kill demand for payday loans.

310-LOAN finds that while payday lending has grown quickly, supply is only now starting to catch up with demand. Their support for this notion is that payday loan industry advertising spending in Manitoba has begun to exceed revenue increases only in this most recent stage in payday lending’s life cycle. Earlier findings (where the supply was lower) wouldn’t need excessive advertising in order to gain customers. Demand provided fuel for growth.

Section 347 of the Criminal Code Has Delayed Saturation

Legal woes for the payday loan industry have slowed growth. This is not to say that the product is illegal; it certainly is not. But enough roadblocks were set up by the Canadian legal system to slow payday loan industry growth. In many cases, it was even a barrier to entry for potential payday lenders. This kept many potential investors away as well.

Competition and Lower Rates: the U.S. Model

The authors cite a Federal Reserve study by Donald Morgan (”Defining and Detecting Predatory Lending“) in which the connection between more payday loan stores per capita and lower rates is made quite clear. This does not mean, as the authors comment on a 60 percent APR cap that some Manitoba lawmakers had proposed before going off the deep end at 17 percent, that such a rate would be sustainable. That’s far from the truth in their estimation. In fact, it had been widely acknowledged that 60 percent is not financially viable for payday loan companies.

“Without an agreed upon method of calculating an unconscionable rate,” write the study authors, “we suggest that the board consider the costs involved in issuing short-term, small sum loans in the market today in order to effectively set the limit on the cost of borrowing.” Using a well-known Ernst & Young study, they note the profit margins for what are considered to be Canada’s “big five” banks:

• CIBC: 23.61 percent
• BMO Bank of Montreal: 27.43 percent
• RBC Royal Bank: 23.26 percent
• Scotiabank: 32.81 percent
• TD Canada Trust: 35.51 percent
  Average: 28.52 percent

Also based upon Ernst & Young findings, the authors note that the rate for issuing a $279 payday loan is $74.08. That’s 26.55 percent for the loan issued, which compares quite favorably with the average banking profit margin above. Based upon the authors’ interpretation of data on 11 payday lenders, such a rate would allow 10 of them to “remain in the market and stimulate and immediate increase in supply and investment in the payday loan industry.”

The Risks of an Excessively Low Rate Ceiling

Allow the industry to evolve in a natural free-market setting, argue the study authors. That will enhance both product and pricing according to consumer need. Set the rates too low and lenders must slash costs wherever possible and abandon efforts to meet consumer need. For instance, allowing for installment loans has proven to be popular with consumers in many locations, but the cost associated would be impossible to swallow for lenders if rates are cut to the proverbial quick. For consumers, there is anecdotal evidence that the convenience of installment loans would outweigh having the least expensive loan possible under law.

Life Dictates Debt, Not Payday Lenders

Situations like job loss, illness and family or other personal difficulties tend to have the greatest impact upon a consumer’s ability to repay short term credit such as payday loans. Yet the Manitoba government (or any government) wants the public to believe that it is the rates of supposedly predatory lenders that cause the problem. Thus, they see rate caps as the only answer. Consumers and even economists do not tend to share such views. Interest rate caps to not solve personal and societal issues; they merely restrict the free market and tend to add trouble rather than subtract it.

Apply Now!

Installment loans are short-term loans that you can get automatically deposited in your account in just a couple of hours. You’ll start paying back your installment loan when you get your next paycheck, but you don’t have to pay back the full amount all at once. Installment loans allow you to make a few separate payments.

Here are three common reasons people use short-term loans, such as payday loans and installment loans.

1. To Save Money

The fee on a small payday loan or installment loan — $100 to $200 — is lower than a bank overdraft charge. And that’s for one overdraft charge, and most banks charge a fee of up to $35 each time you make a purchase on an overdrawn account. You could get a payday loan or installment loan of up to $600 for less than it would cost to make three purchases of any amount on an overdrawn account.

If your car gets towed, leaving it at the tow yard overnight is extremely expensive. If you take out a small short-term loan to get your car back just one day earlier than you could otherwise, you’ll save a lot of money. There are a lot of other ways payday loans and installment loans can save you money, but you can also use them…

2. To Protect Your Credit

If you have a very good credit score and you want to keep it that way, installment loans and payday loans can keep you from making a late payment at getting a black mark on your credit. You can apply online and get cash automatically deposited into your account today and use that money to avoid missing a payment.

Payday lenders don’t run your credit score, so your short term loan won’t show up on your credit report.

3. Emergency necessity expenses

If you have an emergency expense that needs to be taken care of right away and you don’t have the cash, payday loans and installment loans can help. If you heater breaks in the winter or your power is going to be shut off, you can use payday loans or installment loans. If an expensive appliance breaks, such as your fridge or washing machine, don’t suffer without it. Get an installment loan to repair or replace it right away.

You can get payday loans and installment loans online, and you can pay them back electronically, too. APPLY NOW.

Start Your Application For Payday Loans Online Here

from http://www.flickr.com/photos/minnesotahistoricalsociety/

In the evening of November 10th, 1975, the S.S. Edmund Fitzgerald, a large tanker/freighter on Lake Superior sank, sometime after 7 p.m.  All hands were lost, 29 in total, and the ship came to rest on the bottom of Lake Superior in 530 feet of water.  It is one of the best known maritime disasters on the Great Lakes, though that might be thanks in some part to Gordon Lightfoot and his song about the incident that’s so catchy that most people would give a cash advance to get it out of their heads once stuck there.

The pride of the American Side

The ship was commissioned by the Northwestern Mutual Life Insurance Company of Milwaukee in February 1957, who contracted Great Lakes Engineering Works, or River Rouge, Michigan, to build a freighter, and the contract stipulated she had to be the largest ship on the Great Lakes.  In August of that year, her keel was laid, and the following June, she was christened the Edmund Fitzgerald, after the President and Chairman of Northwestern, Edmund Fitzgerald.  (Partly for brownie points and partly because Fitzgerald’s father had been a lake freight captain.)  She was 729 feet long, 75 feet wide, and almost 40 feet tall, and was the largest ship on the lake for over a decade.

The Wreck of the Edmund Fitzgerald

On November 10th, the Edmund Fitzgerald left Superior Wisconsin, with a full load (her capacity was just under 27 tons) of taconite (a rock which contains high amounts of iron) destined for Zug Island (near Detroit), when she and a ship that was following her, the Arthur M. Anderson, encountered a heavy storm with extremely rough waters, including waves up to 35 feet in height and near zero visibility due to heavy snow.  Both ships were advised by the Coast Guard to find safe harbor, and on the way to Whitefish Bay, she began to take on water.  Just before 6 p.m., her captain, Ernest McSorely, reported waves washing over the deck.  Just after 7 p.m., he reported the ship and crew were “holding our own.” Minutes later, all contact was lost.  A search for the survivors found nothing aside from lifeboats and debris.  All 29 hands were reported as lost, and the bell at the Mariner’s Church in Detroit was rung 29 times, once for each lost.

What was the cause?

Since she broke apart, it was thought she was torn up on the surface, though the two pieces lie too close together for that to have been the cause.  The hypothesis that fits best (as per that ubiquitous and infernally addictive website, Wikipedia) is that the Fitzgerald was hit by a series of rogue waves, a documented but little understood phenomenon, and in a series is called “3 sisters.” The first and second battered the ship and importantly the hatches, which led to the third sinking her.  The Arthur M. Anderson reported at least 2 abnormally large waves hitting her.  Rogue waves are known to exist, and to happen, yet their cause isn’t universally understood as yet.  It might give one pause to commemorate both the Veterans this week, and also those sailors who lost their lives on the Edmund Fitzgerald, and maybe a few installment loans for research into how to survive a rogue wave could go to good use.

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 installment loans online with no down payment and no collateral.

Payday lenders charge a simple, one-time fee that’s due at the time your loan is due. Plan to pay back your loan and lender’s fee when you get your next paycheck, and you’re on the road to financial stability. You don’t have to risk losing an expensive possession, and online payday loans are much more convenient than secured loans.

Secured loans versus online payday loans

Usually, taking out a secured loan means you have to go to a pawn shop and exchange something that belongs to you for quick cash. Another form of secured loan is a car title loan, which gives the lender the right to take your vehicle if you don’t pay back your loan on time.

Pawn shops usually give out loans with 90-day terms, but they charge fees every month. Payday lenders give you quick cash that you agree to pay back when you get your next paycheck — usually two to four weeks. You don’t have to have an expensive item to put up for collateral. With pawn shops, you have to be able to show up to the store during business hours to pay back your loan in person and retrieve your item.

The entire payday loan process can be completed online. You can fill out your application, have your money electronically transferred to your account and pay back your loan electronically, too.

How soon can I get a payday loan?

If you start your payday loan application now, you could have cash in your bank account in as little as two hours. It takes only minutes to fill out the application and find out if you are approved. There are no credit checks, so once your application is approved, you just need to accept the loan terms.

If you need quick cash but don’t have collateral to get secured loans or don’t want to leave your valuable items in a pawn shop, START YOUR APPLICATION NOW.

I know what you’re thinking after reading a title that says “read the user manual.” Why would you thumb through pages and pages of lame text when you could just look up what to do on the Internet?

While reading the owner’s manual for Motorola Droid tips is the most obvious way to understand how to use your new device, it certainly isn’t the most fun or the most efficient. So, in the spirit of giving people what they want, here are some Motorola Droid tips that will make it easier to use that hot new gadget that you’ll be paying off installment loans for in the next few weeks.

Quick launch

One of my favorite things about my archaic cell phone — which is small but has no camera or Internet capability — is that when I push the call button, it pulls up the 10 phone numbers I’ve called most recently. Using Quick Launch on the Motorola Droid is a similar idea, but it pulls up the applications you’ve used most recently.

In order to use the Quick Launch function, hold down the “home” button.” The six apps you’ve used most recently will pop up on your screen. Let’s see, mine would probably include Facebook, Twitter, mp3 player … kind of like my web history on my personal computer. Sounds like a handy feature.

Beware battery drainage

One of the features touted on the Motorola Droid commercials was its interchangeable batteries. This feature is necessary because if you’re using your Motorola droid for its intended purpose — as though it’s a tiny computer — it’ll go though battery much faster than a regular cell phone.

It makes sense. I only have to charge my cell phone every two or three days, but my laptop runs out of battery after just a couple of hours. The battery for the Motorola Droid lasts a lot longer two hours, but a lot less than two days. Think of your Motorola Droid like a laptop: you have to plug it in or switch the batteries if you’re going to be using it constantly for several hours. Tech Banyan warns:

Be careful when using a pouch holster for your new Motorola Droid.  If it contains magnetics, it may turn your Motorola Droid on “car mode.” This will eat up your battery life quicker than you think.

More Motorola Droid tips

For additional Motorola Droid tips, read “10 Tips for Your Motorola Droid,” from Tech Banyan. For specific battery-charging Motorola Droid tips, hit up PressZoom. To read, share, comment or otherwise geek out in general on Motorola Droid tips, check out Android Forums.

As its name indicates, Android Forums is a space for chatting about all Android phones — smartphones that operate on the Google Android processor. So far, the big ones are, of course, the American-made Motorola Droid and its cheaper, slower Taiwanese cousin the Droid Eris, made by HTC. For more Motorola Droid tips, you can find the user manual online by going to the Google homepage on your Droid and clicking the blue button in the upper right-hand corner.

Would installment loans help?

Times are tough and money is short.  Are you struggling with less money than you need to get by?  Have you had an emergency and just need a little help?  Would an Installment Loan help you get through?  Do you have concerns about getting this loan?  Do you have credit problems, or even a bankruptcy?

Here are 5 things you should know about  Installment Loans:

1. Installment Loans are FAST! It takes just minutes to apply for these loans, and then you get an approval within a few more minutes.  These loans are deposited quickly into your checking account, usually within a day and sometimes within 2 hours.  If time is of the essence, an Installment Loan is the thing for you.
2. NO CREDIT CHECKS! Do you have bad credit or even a bankruptcy?  Are you trying to improve your credit so you don’t want anyone checking your credit as that can take precious points away from your total score?  If you need a bad credit installment loan, and want to keep your credit private, this is the loan for you.
3. NO FAXING, ALL ONLINE! Would you like to stay in your home and apply for a loan?  Would you like to have the loan money deposited directly into your checking account, without ever leaving your computer?  Then an installment loan is what you need and you can get one right here!
4. Would you like to MAKE PAYMENTS on your loan, rather than paying back the entire loan amount on your next payday?  Apply here for Installment Loans.
5. Do you need a loan of BETWEEN $100 AND $1,500? Then apply here.

There’s not a lot more you need to know.

If you have read the 5 things listed above and feel an Installment Loan is for you, apply here:

Photo: http://www.flickr.com/photos/wwworks/ / CC BY 2.0

Child cruelty is something I do not take too kindly to. It doesn’t matter who you are or where you come from, placing a child in any type of danger is absolutely intolerable.

Being a responsible parent requires time and mass amounts of love and effort. Of course, things can get tough and struggles are inevitable when it comes to parenthood. Being a parent can be hard – physically, emotionally, and financially. Some have had to rely on installment loans every so often just to meet the needs of the little ones who depend on them for nurturing, protection, and love. It’s not always a joy-ride when reality demands that you adapt to change and make grand sacrifices. However, no matter how difficult parenting can be, it gives no grounds, no right to pose harm on a helpless child.

Seven month-old Baby Found Under Bed

The 7-month-old baby that was reported missing over the weekend has been found and in good condition. Seven-month-old Shannon Lee Dedrick was found hidden under a bed in a 2-by-3 foot cedar chest.

According to CNN, authorities believe the baby’s mother, Crystina Lynn Mercer, gave her daughter to the child’s paternal aunt, Susan Baker, sometime around Oct. 31, 2009. The next day, they reported the child missing and some 75 volunteers scoured a kilometer radius around the home for evidence. The baby, who was missing for a total of five days, was hidden for 12 hours with no food or water, except for a little blanket that was found in the box with her. Police found baby Shannon Dedrick Wednesday night alive and well.

Justice for Shannon Lee Dedrick

Both Mercer and Baker have been taken into custody and are being charged with a third-degree felony on interference of child custody. They were also charged with several misdemeanor charges for making a false report of a missing child, a false report of a crime, and contributing to the delinquency of a child. The child’s father, James Russell Dedrick Jr., was also taken in for questioning, but was later released without any charges.

Installment loans have been there for people from all walks of life who have been failed by the traditional credit and lending system. (Photo: flickr.com)

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 non-essential purchases – the standard progression in America has been that accumulation of household debt can be just the grease needed to lubricate the economic wheels.

Of course, access to credit is a very large first step toward accumulating the managed debt and consumerist desire that creates the consistent cash infusion the American economy requires. But what happens when traditional credit is unavailable?

For large segments of the American population, being denied for traditional credit has forced them to consider other options like installment loans. The reason for these denials, according to researchers like Christian Weller of the University of Massachusetts and Center for American Progress, are multiple.

However, concepts of race and ethnicity may indeed be a determinant. In his study “Credit Access, the Costs of Credit and Credit Market Discrimination,” Weller considers household debt information in an effort to determine whether discrimination in the consumer credit market has declined, gone away or actually persisted as deregulation of credit industries has occurred. The survey referenced is the Survey of Consumer Finances (SCF), which the Federal Reserve conducts on a tri-annual basis.

Borrow to Spend, Spend to Stimulate

As families borrow, more of them can afford to undertake major purchases like homes, cars and education than otherwise. Consumer credit such as installment loans also help smooth over financial shocks that come about due to medical emergencies and other situations. If the playing field were level, it would indeed be that simple.

Yet Weller acknowledges what we all know: families don’t all have the same access to consumer credit. Demographics, minority status and income levels have contributed toward lessened chances to obtain a loan and high loan costs. Weller identifies this as “credit market discrimination.”

Restricting access to traditional loans on the basis of race, ethnicity or other personal traits yet not providing sufficient access to some form of installment loan credit when consumer need is imminent has been a failing of the traditional banking industry. As deregulation began in the late 1970s and grew to fruition in the 1990s, the message became clear: America’s economy was on track for more market competition and less discrimination.

Payday loans and installment loans filled consumer need, promoted competition (an invitation banks still haven’t taken up in earnest) and turned back some of the tide of discrimination.

Measuring the Credit Market

Weller analyzes evidence of financial constraints from the years 1989 through 2004. Looking at a sampling of borrowing families, demographic characteristics like family size, marital status, living arrangement and others are considered. Financial indicators like credit history, family income and accumulated wealth are also potential factors, although some of Weller’s findings indicate a “taste-based” form of discrimination based upon prejudicial perception may play a role. Sometimes this is even a more socio-economic form of discrimination, where those of higher income judge those with less negatively.

Consulting Professionals in Times of Financial Insecurity

When consumers face financial stress and don’t have the liquid assets on hand to absorb their financial shocks, seeking out assistance is wise. Among those surveyed by Weller, however, we see that consumers in need of aid don’t always do this. Not only that, but a disparity appears to exist along racial lines. The percentage of Caucasians who relied on financial professionals in 2004 was 45.7 percent, compared with only 27.7 percent of African–Americans and 27.2 percent of Hispanic consumers. Those families who did rely on professional assistance were found to be 17.3 percent less likely to be denied for a traditional loan.

On a related note, the rate of those who applied for traditional loans but were denied also bears a connection to race. Weller found that African–Americans were 41.7 percent more likely than Caucasians to be denied a loan. This difference became even larger when larger-scale loans like home mortgages were considered. The author cites a 1996 study by Jonathan Crook, which suggests that lower-income and older families were also more likely to experience denial on traditional loans.

Negative Expectations

Weller found that 14.9 percent of African-American families and 11.9 percent of Hispanic families claimed that that rather than experiencing a denial, they didn’t even apply for a loan because they figured they’d be turned down. Among Caucasian families, this figure was only 4.9 percent. Low versus high income levels showed a similar order. Tracking these figures from the beginning of the study period in 1989 to the end in 2004, loan denial and application discouragement increased.

For those groups who experienced the greater traditional loan denial or discouragement, Weller finds that short term consumer loans like installment loans tended to be more prevalent. In 2004, 18.2 percent of African-Americans respondents used installment loans, while 10.5 percent of Caucasians and 10.9 percent of Hispanic families. While critics of the installment loan industry would point to some of the short term consumer loan products a small number of credit unions across America offer, Weller found that only 3.6 percent of all consumer debt in the survey originated with credit unions.

An Important Distinction

Weller found that even though minority groups borrowed less from traditional lenders, which did not mean that they were significantly more likely to borrow from sources like installment loan companies or rely upon credit cards. “There is no statistically significant difference by race and ethnicity when it comes to borrowing from consumer lenders,” writes Weller. “The combination of these results with the ones on traditional banks is consistent with the earlier finding that denied and discouraged applications are larger for minorities.” The common conclusion here is that minority families in the survey had restricted access to credit when compared with Caucasian families. Low- versus high-income showed a similar breakdown.

Installment Loans are an Answer

Used responsibly, installment loans can enable any consumer to handle the financial shocks that life inevitably will throw your way. The credit restrictions that have existed in various segments of American society have necessitated the need for short term consumer credit, and products like payday loans and installment loans have filled the need. If consumers are going to partake of whatever source is available when the need is great, then the presence of a regulated industry that saves consumers from highly negative alternatives.

Thus, installment loans fill a need; they do not target groups in need. Claims of “aggressive advertising” would seem to apply more to traditional lenders, as their advertisements are much more prevalent than anything the payday loan and installment loan industry offers. I base this on my own observation, but I’m convinced it is accurate.

Weller’s suggestion that further study is needed as to why such a disconnect exists between minority and low-income groups and traditional banks is an interesting suggestion that could possibly help to close the gap and create more of the competition that fuels the American economy.

Once again, Personal Money Store proves that online payday loan customers have solid, steady incomes. Where's the exploitation? (Photo: picasaweb.google.com)

If you don’t already know that American news media is first and foremost an entertainment medium, allow me to be the one to break it to you. Sensationalism sells better than the truth. Biased story selection and reporting slant are inescapable, particularly when you consider the influence of corporate sponsorships. Since Wall Street and the American banking industry are monolithic entities, their money makes a big difference in what the public hears about the economy and the shenanigans that really led to the country’s economic collapse.

They Don’t Want You to Know that Payday Loans are Useful

So they create smear campaigns that accuse the payday lending industry of preying upon vulnerable segments of society, such as the poor and the elderly. However, many studies of the industry have proven this claim to be false. Looking at applicant demographics for Personal Money Store from June 1, 2009 to October 20, 2009, we see a different picture. Our online payday loan customers are not disadvantaged, too young or too old. They’re at a stage in life where they have financial experience and know how to spot a good deal when options are few.

The Numbers Tell the Story

Consider all customers who applied for an online payday loan on Personal Money Store (accepted or denied), here are some facts to ponder:

• Average age: 35. These are people who have some experience dealing with the financial shocks life can throw your way. As industry studies tend to show that many payday loan customers have young families, it may be safe to say that Personal Money Store’s average applicant is in a position where they need to be careful with the way they handle their finances.
• Average income: $31,690. That’s hardly poverty level, and that’s just for the individual applying. If you’re talking about 35-year-olds who are just beginning to come into their own career-wise, then you have someone who hasn’t reached their maximum earning potential yet. Perhaps their access to certain forms of credit has been limited due to a relative scarcity of liquid assets. This makes payday loans a more easily attainable option in an emergency.
• Average length of employment: 6 years. That’s an indication that the person is dependable, rather than transitory and risky. They’ve been trusted to do their job, which payday lenders definitely take into account.
• Average time at current address: 3 years. Again, this could be seen as a stability indicator. Constant relocation tends to walk hand-in-hand with fluctuating types of employment held and income levels. If a payday loan applicant is entrenched, perhaps they are less of a risk.
• Home ownership: 34 percent. While hardly a majority, this statistic is still significant. More than a third of Personal Money Store’s payday loan customers own their own home. That goes along with steady income and personal responsibility, as they have to make a monthly mortgage payment.
• Average time spent on application form: 4 minutes, 44 seconds. This tells us at least two things. First and foremost, it’s proof that it doesn’t take all that long to apply for an online payday loan. The application asks for standard information to establish a person’s employment, checking account existence, age and identity. It’s easy to complete. What this number might also tell us is that our customers aren’t rushing into the process too quickly; they’re being careful and carefully considering what the application requests.
• Percent of customers who apply for installment plans: 27.76 percent. This addresses another area where media and banking industry critics have it wrong. They claim that payday loans are a certain path toward an endless cycle of debt. Used improperly, they can cause harm. But so can Cheese Whiz. If a responsible customer (most people are responsible in this world, I find) needs to extend their repayment schedule due to unforeseen financial occurrence, installment plans are usually available.
• Percent of returning visitors out of all traffic: 4.64 percent. We hope you enjoy our site; let’s grow this number!
• Percent of applicants who are return visitors: 7.36 percent. We hope you enjoy our site; let’s grow this number! However, keep in mind that this stat also indicates that people who apply for payday loans at Personal Money Store aren’t being “roped in,” as if against their will, to that media-blustered endless cycle of debt.

The Numbers for Approved Applicants

Not everyone who applies for online payday loans at Personal Money Store receive a green light. It’s important that there are standards in place. These protect both lenders and the consumer.

• Average age: 37. Mature enough to know what financial decisions work best for them. Responsible enough to make good decisions for their families. That’s your average Personal Money Store payday loan customer in a nutshell.
• Average income: $36,000 for the applicant only. Above average in many instances, and certainly not too poor to be able to repay their payday loan debt.
• Average length of employment: 6 years. Stable.
• Average length at current address: 3 years. They’ve put down roots. Doing the right thing is important for them.
• Home ownership: 42 percent. That’s almost a 10 percent increase over the average for all applicants. It indicates responsibility and greater financial security. It goes to show that everyone can use a payday loan in a pinch.

Even Declined Applicants Show Experience, Solid Income

• Average age: 34.
• Average applicant income: $30,672.
• Average length of employment: 5 years.
• Average time at current address: 3 years.
• Home ownership: 31 percent.

Some Techie Stats For Our Online Payday Loan Applicants

You’ve heard the whole thing about the “browser wars,” right? While using Internet Explorer could be viewed as a negative in this day and age, the truth is that it has a large market share thanks to the preponderance of Windows software. Here’s a breakdown of what browsers Personal Money Store applicants use.

• Internet Explorer (all versions): 62.37 percent. It’s all about market share.
• Internet Explorer 7: 47.3 percent. Not everyone has upgraded to IE 8 yet.
• Internet Explorer 8: 32.09 percent. Here we go. But why not Firefox or Chrome?
• Internet Explorer 6: 20.57 percent. Nobody’s perfect.
• Firefox: 24.57 percent. This number seems likely to grow over time, although it may never catch IE, which has a big head start.
• Safari: 8.45 percent. Mac users take out payday loans, too.
• Chrome: 2.8 percent. This browser is relatively young, but it’s quite fast. Why not make your online payday loan application process that much faster?

Connection Speed

Personal Money Store customers have proven that they are living in the 21^st century, as at least three-quarters of applicants have access to broadband connections:

• Cable: 41.97 percent
• DSL: 23.83 percent
• T1: 9.99 percent
• Unknown: 20.82 percent. Yes, even international men and women of mystery need online payday loans.
• Dialup: 2.15 percent. I know it’s cheaper, but really? Payday loans can help with that.

So What Have We Learned Today?

Online payday loan customers at Personal Money Store do not fit the negative stereotypes the media would have you swallow hook, line and sinker. They are responsible and consider their options carefully, often because they have an entire family’s financial welfare to consider. They certainly aren’t being exploited. That’s the media’s job.

Before you apply for a payday loan, installment loan or other form of short term loan, it pays for a consumer to do their research on www.cashnetusa.com. That way, you know where your loan is coming from and where your assets are going when it comes time to repay the debt.

If you’re considering doing business with CashNet, here’s some information to aid you in your decision. As always, please keep in mind that payday loans, installment loans and other short term loan products should be used responsibly. If you enlist the services of a payday lender, you should feel comfortable that they will treat your business in an equally responsible manner.

CashNetUSA.com – Since 2004

According to their Web site at www.cashnetusa.com, CashNetUSA is headquartered in Chicago, Illinois. The 500-plus-employee payday loan business claims membership in the Community Financial Services Association and the Better Business Bureau, although a search at the BBB Web site reveals that only one of CashNetUSA.com’s locations is a BBB Accredited Business (1600 W 7^th Street in Fort Worth, Texas). Yet this doesn’t seem to have hurt customer response, if their claim that they service over 1 million customers is accurate.

CashNetUSA.com’s online ranking at the Web metrics site Compete.com seems to support this idea as well. Their total of 376,735 unique visitors in September 2009 (a 24.66 percent increase over the previous year’s figure) helped contribute to a Compete rank of 4,957, which indicates that CashNetUSA has a fairly significant online presense.

In terms of Web traffic, CashNetUSA.com gets their largest share from consumers who use the Yahoo.com search engine (15.93 percent), while world-leading search engine Google ranks second (9.7 percent). According to Compete.com, the leading search terms that consumers use to locate CashNetUSA.com are “cashnetusa.com” (12.42 percent), “cashnetusa” (11.3 percent) and www.cashnetusa.com (10.22 percent).

Curious Keywords

Interestingly, none of these terms are industry-wide keywords like payday loan, payday loans, installment loans or short term loans, which could suggest that the bulk of the traffic CashNetUSA.com receives is from people who are already familiar with the name of the company. For consumers who don’t know company names but know that they want a payday loan, they would be more likely to locate a company like Personal Money Store, which ranks highly for the all-important “payday loan” type of search terms of which more consumers would be aware.

CashNetUSA: Backed by Cash American International

In 2006, CashNetUSA was acquired by Cash America International, Inc., a leading brick and mortar payday lending company. Now they consider themselves one of the industry leaders in secure online lending and credit services. Their services are currently available in over 30 states.

What CashNetUSA.com Offers

Consumers looking for payday loans are asked to use CashNetUSA’s quick and easy online application form. Thirty-minute approval decisions are advertised, and approved loans are typically funded on the next business day. Faxing information is rarely required and applicants needn’t have a “perfect” FICO score, as CashNetUSA.com (as well as other online lenders and loan aggregators) tend to use sub-prime monitors like Teletrack to make lending determinations. New customers can receive up to $700 via direct deposit into an active checking account, while repeat customers may be approved for more. Depending upon the laws that exist in the consumer’s state, the maximum receivable loan amount can be as high as $1,500. Loan fees vary by total loan amount received; special programs that grant up to a 30 percent discounts and $20 referral credit are available for returning customers.

CashNetUSA Loan Types

The specific types of short term loans that CashNetUSA offers are the payday loan, installment loan and credit service organization loan. The availability of each varies by state.

Payday loans are short term loans, relatively small in principal, which typically come to maturity on the consumer’s next payday (from eight to 25 days away). Some states allow loan extensions.

Installment loans tend to carry a higher principal balance and are repaid over a period of four to five months. Early repayment is possible without penalty; in some cases, CashNetUSA.com claims that a portion of fees are refundable to the consumer when early payment occurs.

Credit service organization loans are essentially third-party loans. A lender in CashNetUSA.com’s network will fund the payday loan. Repayment is due on the customer’s following payday.

What You Need to Qualify with CashNetUSA.com

In order for a consumer to be eligible to receive funds via CashNetUSA.com, the following conditions must be met:

• The consumer must have an active checking account
• They must have held their current job for at least one month
• The applicant must be a U.S. citizen or permanent resident
• Applicant must be at least 18 years old

CashNetUSA Repayment Options

Payday, installment or credit service organization loan repayment is generally taken via ACH payment. This operates in the same matter as a paper check, but the deduction is automatic at the agreed upon maturity date. If sufficient funds are not available, “CashNetUSA can and will re-present the ACH Authorization to (the consumer’s) bank,” according to their Web site.

General Repayment Options

1. Pay in Full: On the due date for the payday loan, the balance is paid off completely.
2. Extend Your Loan: If the consumer’s state allows, only the loan fee need be paid at maturity. The principal is then repaid on the consumer’s next payday. An additional fee will apply for this service.
3. Make Partial Payment and Extend: Similar to the previous option, but a portion of the principal is also paid at the initial maturity date.

Loan extensions, if needed, must be requested in order for the extension to take effect. This can be done via the Web site, E-mail or a telephone call. Credit card payments can also be arranged. If another loan is desired, a customer must generally wait at least two business days before the new loan can be issued (as it generally takes that long for ACH payment on the previous payday loan to clear the bank). See CashNetUSA.com for more details.

Revoking an ACH Payment?

It should be noted that this cannot be done until a loan has been paid in full. CashNetUSA reserves the right to deny revoking an ACH at an earlier time. This is in accordance with the Electronic Funds Transfer Act (ETTA), where “a lender cannot require a consumer to repay a loan by means of preauthorized electronic funds transfers as a condition to approving the consumer’s loan.”

As CashNetUSA’s one-time lump ACH payment does not meet the EFTA’s definition of “preauthorized electronic funds transfer” in terms of it being a “repayment of loans by electronic means on a preauthorized, recurring basis,” CashNetUSA is legally entitled to deny requests to revoke an ACH payment before final loan repayment. Some exceptions for written notices may apply.

CashNetUSA.com Financial Information

12-month share price comparison of CashNetUSA.com, a payday loan company. (Credit: thestreet.com)

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Listed on the New York Stock Exchange as CSH, Financial, CashNetUSA.com (at this writing; financials update dynamically) is trading at $32.64 per share. Over the course of the past year to date, this reflects a 19.78 percent increase. The price-to-earnings ratio is currently 12.33, which compares somewhat unfavorably to the sector average (13.20) and the S&P 500 average (51.90).

The compound annual growth rate for revenue, net income and earnings per share hovers around the 20 percent mark (20 percent for revenue, 22 percent for net income and 21 percent for earnings per share). TheStreet.com’s stock rating screener gives CashNetUSA a “HOLD C+” rating, which could be the buzzword for the best of payday loan companies these days, considering possible rate cap legislation that has been considered by the federal government.

Sarah Palin, image from Wikimedia.

It is confirmed, by the Chicago Sun-Times and the New York Times, Sarah Palin will appear on “The Oprah Winfrey Show” next month, the very day before her book “Going Rogue” hits the shelves.

Needless to say, people have some pretty strong opinions about this turn of events. Oprah is arguably the most powerful force in the media when it comes to giving publicity to products and businesses. Oprah also campaigned heavily for Barack Obama, but now she will interview a woman on the opposing presidential ticket the day before her books hits the shelves.

Selling power

Needless to say, anything mentioned on Oprah gets huge publicity. The only thing that can cause more hype than Oprah’s show is controversy. Here we have both. And this is no installment loans versus instant payday loans sort of controversy. This is pitting two very vocal groups with very different opinions against each other.

Understandably, many of Oprah’s viewers are angry that she would use her amazing powers of publicity to promote a book by someone they view as and enemy of sorts. Some of Sarah Palin’s fans believe that Palin is “lowering herself” by being on Oprah’s show. Clearly, any Palin fans who are opposed to her being on Oprah’s show don’t understand how much publicity this will give Palin’s book, “Going Rogue.”

Details, details

Oprah will interview Sarah Palin on the episode of “The Oprah Winfrey Show” that airs Monday, Nov. 16. Sarah Palin’s book “Going Rogue” is scheduled to hit shelves Nov. 17, and right now you can pre-order it from Amazon for $9.

I predict “Going Rogue” will sell out after Sarah Palin goes on Oprah’s show. I also predict that “Oprah” will have an unusually high number of viewers on Nov. 16. When you meld the fans of these two you get a pretty broad cross-section of America, plus I think a lot of people will tune in just to see what happens.

Direct Deposit of Short Term Loan in 2 hours

Apply for Short term loans for bad credit at PersonalMoneyStore.com! (Photo: picasaweb.google.com)

When you need extra cash in two hours or less, there is no better way than to apply online for a short term loan for bad credit. Personal Money Store provides applicants with the best chance of getting approved. The best thing is there are no credit checks, faxing, or collateral required to get a short term loan online.

Bad Credit Is No Problem with Short Term Loans

Because there are no credit checks, it is exceptionally easy to get a short term loan from direct lenders through our Web site. We have the best lender-finding service available on the Web. Our applications are secure and hassle-free. Bad credit, poor credit and bankruptcies are no problem.

No Faxing Required for Short Term Loans for Bad Credit

Many Web sites require you to fax all kinds of personal information about you, your identity and your financial situation in order to get approved. Personal Money Store does not cause you this type of problem. Headaches are the last thing you need when you need short term loans for bad credit.

No Collateral for Unsecured Short Term Loans

There is more good news! Not only are there no credit checks, faxing, or other hassles, but you don’t have to provide any collateral or pledge of personal assets to get a short term loan online. You don’t even have to agree to a lien on your checking or savings accounts as a legal pledge. All you have to do is agree to an automatic debit of the payment from your account. How easy is that?

4.5 Minute Application Process and Immediate Decision

You will get an instant decision on your bad credit short term loan application. It takes just a couple of minutes to fill out the application and another few to get an actual decision. You will get approved and redirected to the approving lender’s Web site to sign the E-signature or you will be told a lender was not found and redirected to a secondary financial offer that hopefully still helps you.

Start the Application for a Short Term Loan for Bad Credit Now!

Image from wikimedia

“Law Abiding Citizen could be the movie of the year, but only if you’re a big fan of stupid.” Those are the words of Liz Braun from Jam! Movies in her “Law Abiding Citizen” review. That’s pretty harsh coming from a woman who writes for a publication with an exclamation mark in the title.

Other critics agree with Braun. Willie Waffle from Waffle Movies says “Absurd is not an original nor powerful enough word to describe Law Abiding Citizen.” Yowza. Is there anyone out there who gave “Law Abiding Citizen” a good review?

Yes there is

Sean O’Connell enjoyed “Law Abiding Citizen,” although he had his qualms with it, too. “The ultimate explanation behind Shelton’s methods deflates some of the picture’s fun, but by then you’ve enjoyed most of Gray’s gritty ride.” The only person who seemed to really, truly like it completely was Jolene Mendez from Entertainment Spectrum, who wrote “Law Abiding Citizen is a sizzling hot thriller that will have you on the edge of your seat from start to finish.”

Take it from a girl who professionally blogs about installment loans, I know what trying to sell something looks like. I can’t help but wonder whether Mendez had some sort of incentive for writing such a glowing review of a film that every other critic on the planet either despised or at least found flaws in.

Box office check

No doubt, the big bread winner at the box office this weekend will be “Where the Wild Things Are.” I am sure “Law Abiding Citizen” will pull in a pretty big pile of cash, too, despite the scathing reviews.

Last weekend, the top moneymaker was “Couples Retreat,” with $34.3 million, even though it got the worst reviews by far. The No. 2 slot went to “Zombieland,” which made almost $15 million and got the best reviews by far. Rounding out the top five current box office earners for last weekend, in order, were “Cloudy With a Chance of Meatballs,” “Paranormal Activity” and the “Toy Story” 3-D double feature.

Car buyers and sellers are ready to make a deal.

Consumers are once again turning to installment loans as they move back into car-buying mode. Throughout the recession, many people have put off purchases of big-ticket items such as cars and homes. Dealers all over were feeling the crunch of the economy as many people fell into the unemployment lines and struggled financially to get by. The car-buying industry as a whole saw a decline of 40 percent in purchases, down to 10 million vehicles a year. The buying drought is part of what caused GM and Chrysler to file for bankruptcy this year.

Fortunately, data is showing that the car market is on the upswing. This week Ford Motor Company reported a 24 percent drop in sales for last month, but a 20 percent increase in sales this month. And GM sales are up 11 percent from last month. Auto industry analyst Ken Elias confirmed, “We’re off the bottom. … People will want new cars because they have deferred purchasing a car since last fall. We think it’s a positive sign for U.S. automakers.”

Despite the good news

The country is still regrouping from the recession. There is still a rise in unemployment and a rise in foreclosures. Add to that the banking and lending industries still being tight-fisted about lending and there is a lot more for the economy to sort out before it returns to normal.

Experts insist that despite the bad news still lingering, there are good things to keep in mind:

• Consumers seem to have confidence in the small signs of economic growth
• There are signs the economy is bottoming out
• Stocks are on the upswing
• Demands for cars was put on hold, making people eager to buy
• Applications for installment loans are on the rise

Karl Bauer, editor of Edmunds.com, stated, “There are more people looking at and seriously researching new car purchases. … There’s a sense among a lot of people that we’ve hit bottom and the economy will be coming back.” Bauer cites Edmunds.com increased traffic as proof that the car-buying public is eager to buy. Data has shown that increased traffic to the web site normally signals an increase in actual sales within 30-90 days.

Analysts hopeful

Analysts are hopeful that there will be a rush in car-buying activity due to the long hiatus. Bauer confirmed, “You could see a pretty strong surge back into the showroom because sales have been so low and people haven’t been buying for so long.”

However, VP for JD Power and Associates Gary Dilts added, “Credit is key to any sales recovery, and there’s only been a slight improvement in credit availability so far.”

Credit and car buying

Many impatient buyers are looking to installment loans as a way to help fund the down payments of their car purchases. Installment loans can be quick and simple for qualified buyers and their structures are easy to manage. With this type of lending available, there may be hope for the car- buying industry sooner.

Without big banks returning to normal lending policies, consumers may have to rely on alternative options for funding. Despite the credit issues, eager buyers may very well be the ones who pull the car-buying industry back to its normal selling rate.

Apply for Installment Loans here

As long as they're OK, consider installment loans for your business's short-term financial needs. (Photo: flickr.com)

Small businesses are looking to installment loans rather than stocks for funding options. Before the recession, many small businesses were investing in the stock market, trading for added revenues. Dallas-area financial planner Chance Woods stated his clients have a “mixed feeling of relief at stock gains since March, and are reluctant to fully commit to the market.” Research is showing that most small business owners are feeling the same hesitation. The financial hit many of them took due to last years’ recession is having a huge effect on their confidence to move towards stock investing again.

Woods added, “People have been on an emotional roller coaster over the last two years, so they’re not quite ready to say, ‘I’m all in’…it’s going to take some time for them to recover and a lot less market volatility than we’ve seen.”

Alternative Investing

Although alternatives to stocks like money-markets and savings accounts were popular, it seems now that the return on investment is so low, business owners are hesitant there, too. According to Bankrate.com, the current rates for both modes of investments average about 1.5 percent around the country.  Seeing the lackluster interest rate, many business owners are opting for immediate installment loan options rather than wait out slow and minimal returns of other investing vehicles.

A Case in Point

Donnie Griffin, owner of a management consulting firm in Palm Springs, California, invested his money wisely. However, when the recession hit hard, he sold a good portion of his $250,000 portfolio. One week later, the stocks saw their biggest gain throughout the recession period. Griffin agreed he had “unfortunate timing” in his decision, but he also said that he wouldn’t venture back into the stock investing market easily. “Once you make a decision I think you’ve got to just ride it out… having experienced this drop, I’m better experienced for the next time one comes around.”

Griffin is not alone. As a business owner, his sentiments are shared nationwide. Many people lost a lot of money in stocks during the down economy. Although Griffin is patient, a lot of others aren’t. They want a more solid way of guaranteed money. Installment loans for a lot of qualified small business owners are proving to be that option. These types of loans are quick and simple for the qualified applicant. They potentially can bring money in when small business owners need it most. Rather than wait out a long-term investment and then reap only a small to moderate return, business owners are more confident in alternative types of loans.

No Guarantees on the Market

The most difficult thing for investors is that there is never a guarantee of market growth. The market is volatile and may take another turn for the worse. Robert Haley of Advanced Wealth Management stated, “It’s a gamble to hold and not sell now, and it’s a gamble to go all-in.” He believes that the way to mitigate the gamble is to build a long-term portfolio, but not rely on it for immediate funding. His belief is that a portfolio is never for immediate (or even moderate-term) funding. A better option may be immediate installment loans, or assets that are quickly liquidated. These are the types of funds that small business owners should have readily available for times of trouble.

The kind of summer camp I always wanted, but I didn't have the installment loans to pay for it. (Photo: flickr.com)

Parents are using installment loans to fund summer camp for their children in 2010. Due to the economy, many parents are finding it difficult to finance their children’s summer vacation away from home. On average, summer camp costs anywhere from $90 to $1,200. It depends upon the length and type of the program. Peg Smith, CEO of the American Camp Association, reported that while some parents are opting to keep their children home due to their financial constraints, others are working hard to create summer adventures for their kids. Many are utilizing installment loans as a means of paying upfront costs of summer camp.

How to Cut Summer Camp Costs

Keep in mind that there are ways to cut costs for summer camp, but parents need to act quickly to receive help. Last year, enrollment across the country at summer camps was at full capacity. The National Camp Association offers free summer camp placement. They also help find funding for qualified parents who need aid.

In addition to the NCA, there are also other tactics parents can use to fund the summer camp costs.

1. Early-bird discounts. For example, Lake Greeley Camp, a privately owned co-ed campground in Pennsylvania, is cutting prices anywhere from $400 to $1,300 for children registered before June. Prior to the discount, tuition is a standard $7,400 for an eight-week stay. In addition, many campgrounds offer discounts for first-time summer campers, so parents need to be sure to ask about these when registering.
2. Payment plans. A lot of parents are funding the costs of summer camp by using payment plans. Many campgrounds understand the financial difficulties of consumers. Rather than suffer low attendance, they will work with people. Payments can be extended over weeks, sometimes months, to help parents.
3. Limit the camp stay. Many campgrounds have summer camp options that last two, four and eight weeks. Cutting back to a two-week summer camp session can also help parents afford the payments. With the elevated price, this may be the best compromise. Allowing the child to still participate in summer camp but keeping the cost down by limiting the time can serve both parties well.
4. Installment loans. Installment loans can help pay for summer camp with payment deadlines. If a parent is qualified, he or she can make the payment to the campground on time and their child can participate. Installment loans are especially helpful in cases where upfront money is needed, but isn’t yet available.
5. Ask for help. Parents can look for accredited campsites that offer scholarships and financial aid to participants in need. According to Smith, the ACA generates over $39 million in scholarship monies every year. For example, The New York YMCA Camp in Huguenot, New York offers scholarships that families can utilize and make up the difference of $540 to $980 for tuition requirements. They can receive the money without showing any financial documents, but only asking for an application. If a parent is willing to show financial documents, camps are even more generous, often times paying for well over 75 percent of tuition costs.
6. Tax credits. Children under the age of 13 who go to day camp can make their parents eligible for the Child and Dependent Care Credit. This credit allows a 20 to 35 percent deduction on expenses for one child and double the amount for two children or more.

Finding Funding for Summer Camp

Whatever way parents fund their children’s camp stay, it’s clear that the recession has affected every aspect of life as the U.S. citizen knows it. Parents are using government assistance, installment loans and tax credits creatively to fund their children’s vacations. Research and asking are keys to finding the funds for summer camp. The money is out there!

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What is a short term loan?

Short term loans are typically less than $1,500 and do not require faxing or credit checks. Short term loans are similar to installment loans for bad credit and no fax pay day loans.

Short term loans are provided by most banks and other financial institutions, but they come at the cost of a credit check and an application process that is anything but hassle free. The right choice is to apply for short term loans online. The application process takes only a few minutes, and the loan funds are directly deposited to your account in as little as 2 hours.

Am I eligible for a short term loan?

Everybody can apply for a short term loan. You just need to be the citizen of the country where you are applying for the loan. Secondly, you need to have an active checking or savings account where the loan money will be transferred. Third, you must be 18 or older.

If you satisfy these main requirements, you are easily eligible to apply for a short term loan, but then there are other necessary factors that need your attention too so that you can effortlessly apply online.

Online versus walk-in short term lenders

There are a number of banks and financial institutions ready to offer you short term loans. You don’t need to apply for a short term loan many days in advance in order to obtain the loan.

Unlike traditional loans, which are provided after checking credit history and background along with numerous requests for all sorts of documentation, short term loans online won’t make you suffer all that hassle and frustration.

Fees are reasonable with short term loans

Short term loans are very easy to obtain, but remember you must pay back the lender fees and your loan at the same time. Short term loans should be paid back as soon as you get your next paycheck in most cases.

If  you are unable to pay the short term loan back on the day it has to be paid, fees may get doubled or worse. On the other hand, short term loans online are an easy and effortless option for people who have the ability to repay the loan and have enough resources to keep to the scheduled payment plan. Use these loans responsibly, and apply now!

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Handy solution to combat your short term financial problems.

Small and short term monetary needs can be easily attended to by acquiring short term installment loans online. Like online cash advances, these short term installment loans provide small cash assistance very quickly. This makes same day cash loans an external financial tool that can be trusted and used at the time of urgent need or emergency. You do not have to wait for a couple of days as you can easily grab the funds within a couple of hours!

• The funds are mostly transferred within 24 hours thus providing you instant relief from financial troubles.
• Short term installment loans online offer an amount ranging from as low as $100 to as high as $1500.
• Short term installment loans online are extended for a short period usually of 2 to 4 weeks only.
• In case of you are unable to repay your loan then the term can be extended by paying an extra fee.

Short term installment rates are for short duration only.

Being short term, installment loans online carry a slightly higher interest rate than that of traditional loans. The loan amount can be used for meeting various small financial requirements such as paying outstanding utility bills, medical expenses, accidental or big car repairs, college or tuition fee of a family member, even grocery bills or computer or electronic related service costs. Short term installment loans online are usually approved within 24 hours. The quick approval is due to the fact that there are usually no credit checks or faxing of documentation or paperwork etc.

Defaulters are welcome with installment loans.

Short term installment loans online are typically provided without any collateral submission or even credit check. Borrowers facing severe credit problems can quickly meet their financial needs. Even those with collections, bankruptcy or have defaulted or missed payments of earlier loans and are categorized as bad credit risks can acquire a short term installment loan. The ability to apply online for short term loans makes it faster and simpler than the conventional medium.

So you need to fill the online application form and get started to acquire a short term installment loan. Given the tough market competition, clearly there are many loan providers who are offering short term installment loans online at very cheap rates. So you should do some research on the cheapest rates on offers and then you can make an informed selection of one for yourself.

It is easy to qualify for a short term loan online

You can apply for short term installment loans online by simply filling in the information required by the loan provider. These loans are almost always available online. If you are a US citizen with a steady salary or income, then you are almost always eligible for a short term loan. Almost all requests are approved the same day and the money is deposited into your bank account for your immediate use in any manner you might require.

More and more people are applying for short term installment loans online to obtain instant financial help that can be used for almost any purpose. You can get short term installment loans online quickly without much work. The process is very fast, very simple and extremely convenient due to absence of paperwork related formalities.

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