Yes, there really are such things as holiday money loans online! (Photo: quinn.anya/Flickr/CC BY-SA)

Christmastime is quickly approaching, and if you’re like most people this season, you need holiday money now. You may need the extra money for all your last-minute holiday needs, or perhaps an unexpected bill needs to be paid off immediately. Whatever your reasons, a fast holiday loan can give you exactly what you need to get by.

Get your holiday money online

Yes, there really are such things as holiday money loans offered directly online. In minutes, you can complete the online application form and be on your way to celebrating the holidays like you’re supposed to. You don’t need a fax machine to get started, and you can apply right from the comfort and convenience of your home or office. What’s even better is that there are typically no credit checks with these holiday cash loans, meaning you won’t have to worry about another “ding” to your credit report. Everything is done online, and approvals are fast — there’s no waiting or wondering.

What you need to qualify

Unlike loans acquired at banks and credit unions, these holiday money loans have minimal requirements and are designed specifically to help responsible consumers get the money they need the fastest, easiest way possible. The following are the basic primary requirements:

1. Must be a legal U.S. resident
2. At least 18 years of age to apply
3. Provide proof of identity
4. Have an active bank account
5. Must be currently employed

Meeting all these requirements will greatly improve your chances of approval today.

Installment payment option

Unlike traditional payday loans, you don’t have to pay back the entire holiday money loan on your very next payday. You can make small installment payments until the loan is paid off. Speak to your lender to arrange a proper payment plan that will fit hand-in-hand with your monthly budget, and have a wonderful holiday season this year.

Holiday Money Loans | Start your application HERE

Need helping saving this season? Holiday money loans can help. (Photo: Lin Pernille Photog/Flickr/CC-BY)

If you’re like most people during the holidays, you are either in need of some extra cash or are flat-out broke. Fortunately, getting a holiday cash advance can quickly help you through your short term cash needs. It is certainly the best time to spend, and if you’re behind on bills and unexpected expenses, you could miss out on all the money-saving opportunities of the season.

Find the best holiday cash advance lenders

There are many lenders who offer holiday cash advance loans. But finding the right direct lenders can be difficult, as you need to research different providers to find one that’s right for you. Sometimes, just when you think you have found the right lender, your credit becomes an issue. With a less-than-perfect credit score, to most lenders, you are automatically considered a high-risk borrower who’s unable to make payments on time. That is not always the case, however. For this reason, Personal Money Market strives to make borrowing money a pleasant experience by providing fast, convenient financing options available to almost anyone in need of a small holiday money loan.

How to get a holiday cash advance — fast

Personal Money Market is backed by some of the most reputable direct payday lenders online. We will help you find the lender that can cater to your specific needs. With just one application, you can save valuable time by allowing us to do the research on lenders for you. We’ll sort through our network of lenders to deliver the best — in just a few short minutes.

A merry season with holiday money loans

There are many ways a holiday cash advance can help with your budget this season. Saving money has become the prime focus today, and the holiday season is the perfect time to do just that. With unbelievable deals and incredibly low prices, shoppers can save big on the items they want. So if a holiday cash advance can help you save hundreds this season, it may just be worth considering.

Get a cash advance loan online today | Start HERE

(Photo: CarbonNYC/Flickr/CC-BY)

It’s about that time of the year again when almost everyone is in need of holiday money. It’s the best time of the year to buy, as many retailers aim to attract consumers with great holiday deals and bargains. All the expensive items you’ve been eying all year long are now offered at a ridiculously low price, and for a limited time only.

About holiday money loans

Holiday money loans are not designed for irresponsible usage. Any type of short-term credit financing should be used with utmost care. They are specifically created to help consumers get out of the red, particularly in times of unexpected financial emergencies.

These loans, however, can also be used for investment purposes. Say a one-time savings opportunity comes up but you don’t get paid for another week. Taking out a small money loan to fund the purchase now could help you save more money in the end. You can take advantage of the sweet offering, pay off the loan in a couple weeks and still have money left over for other necessary expenses.

Applying for holiday money

Getting holiday money loans is easy, even more so when you apply through match-making sites like Personal Money Market. Here you can complete a short online application form and get an answer in no time. Based on the information you provide, we will help find the lender that best fits you and your specific needs. The goal is to make it as hassle-free and convenient as possible, making the holidays a more pleasant experience even when money is an issue.

What you need to get money for the holidays

1. At least 18 years old to apply
2. Must be currently employed
3. Make $1,000 a month, minimum
4. Have a bank account for direct deposit of funds

Smart shopping saves money

Use your holiday money loan however you please — it is your money after all. However, we strongly recommend that if you need money for the holidays, you focus on making smart spending decisions. Do not take out the loan if you do not plan on using it wisely. Remember, the holidays are about spending time with the ones you love, and you don’t have to spend money on lavish things to do that.

Apply for Holiday Money Loans | Start HERE

Lack of holiday money got you stressed? (Thinkstock)

Are you needing holiday money now? So many of us are in the same boat this holiday season. It’s been a hard couple of years, as so many of us have been unemployed or underemployed. All of us know someone who is looking for work. Regular, responsible people like you and me, who never thought they would need a loan, are now in need of one. If you are looking for a quick loan that you can get deposited into your bank account within an average of two hours, of up to $1,500, with an easy application and a fast 60-second online approval, you have come to the right place — your application is below.

Get holiday money here!

• Loans for $100 to $1,500
• Loan approval within minutes
• Two-minute loan application
• No fax, no fuss loans
• No credit checks loans
• Safe, secure loan application
• Online everything
• Loan funds usually available within two hours
• Military personnel can apply

Minimum requirements

These loans have minimum requirements and are geared toward helping responsible people get the money they need. Here’s all you typically need:

• You need to be 18 years of age or older
• You need to have a job
• You need a checking account

Get the holiday money you need

If you need holiday money, apply right here, right now. It’s an easy, secure application that’s available directly online. Don’t go out in the rain and snow; apply right here. You’ll know within seconds if you are approved. As a matter of fact, you could know before you read another paragraph about these kinds of loans! You could have the holiday money you need in your account, usually on the same day, in just a couple of hours and be on your way to the holiday season you are looking forward to.

For holiday money, Apply HERE!

If you are thinking, "I need holiday money now," look no further! (Thinkstock)

I’ve always been kind of, well, you could say, a Grinch when it comes to the holidays. “Why spend a bunch of money for the holidays?” has been my thought, especially when I think of the crowds and all the complaining people rushing through stores. Bah humbug. But, nevertheless, here they are again. And now I have a significant other in my life who loves the holidays. I have to do the whole holiday thing this year for her, so I need holiday money now. But I need to know, are there loans I can get on the same day I apply? How much money can I borrow and how fast will it be in my account?

Are you thinking, ‘I need holiday money now?’

If you are thinking you need holiday money now but are not sure what to expect from one of these types of loans, take a look at this:

• Most loan amounts are for $1,500 or less
• Loan approval can be in a minute or less
• Easy, short application
• No fax machine needed, because there is typically no faxing required
• No credit checks are done, in most cases, so no one knows if you have bad credit
• Safe application
• Online application. No going out in the rain or snow to apply
• Loan funds deposited right into your account – fast – sometimes within two hours
• Loans available for military personnel

Are there any requirements for these loans?

There are a few requirements, but the requirements are easier than you will find anywhere. Check this out:

• Are you at least 18?
• Do you have any kind of job, full time or part time?
• Do you have a checking account?

If you answered yes to all these questions, that’s about everything you need. It’s surprisingly easy with minimal requirements!

So, if I need holiday money now, what’s the next step?

If you are thinking, “I need holiday money now,” the next step is to apply right here. With the easy, secure, online application on this page, you can apply wherever you are: at home, at an internet cafe or at work. Within seconds, you will know if you are approved and within a couple of hours, you could have between $100 and $1,500 deposited into your account. That’s all there is to it! Even a Grinch can do this!

If you are thinking, ‘I need holiday money now,’ Apply HERE!

With Thanksgiving money, you can stop worrying and start cooking! (Thinkstock)

Thanksgiving has crept up so quickly this year. It’s nearly time to put the turkey, sweet potatoes, gravy and cranberries on the table for our families. That can be a lot of money for a lot of food for a lot of people. If you need Thanksgiving money now for your Thanksgiving dinner, holiday expenses or any emergency expense, there are loans available, and within just 60 seconds, you will know if you are approved.

Get Thanksgiving money loans here and start cooking

• Loans in amounts ranging from $100 to $1,500
• Quick loan approval can be within seconds
• Online application that is easy to understand
• Because it’s all online, no fax machine needed
• Bad credit, no credit and bankruptcy are OK because no credit check is done, in most cases
• Safe, encrypted application
• Stay at home and complete the whole process
• Loan funds available within two hours, in some cases
• Armed Forces personnel OK

Are there requirements for these loans?

If you are 18 or older, have a job and a checking account, you can apply for these loans. There are no complicated requirements, no running to banks and filling out stacks of paperwork. It really is that easy.

Get that Thanksgiving money you need right now

Go ahead. Apply right here. If you are approved, you can have Thanksgiving money deposited right into your account, sometimes within just hours. You can stuff the turkey, put it in the oven, peel the potatoes and set the table for your family and feel comfortable knowing you won’t be behind on any bills. If you have travel expenses for the holidays, you can get to where you are going without added worries. You can go shopping for gifts. If the oven stops working just before the big dinner, you can get it fixed. Don’t spend your time worrying about money; spend your time cooking.

For Thanksgiving money loans, apply HERE!

Big bills and no way to pay them? Money Loans can help today! (Photo: Thinkstock)

Have you been struggling with stacks and stacks of bills? Are you facing late charges, overdraft fees and emergency expenses and know you need money now? Are you having a hard time because no bank will lend you money because of the credit problems that have been created by how this difficult economy has affected you? Have you ever considered Same-Day Cash Loans, also called Money Loans? Check this out!

What are the qualifications for Money Loans?

Don’t waste any more time worrying about what you’re going to do. Apply right now if you:

• Have a job
• Have a checking account
• Are at least 18 years old

Surprisingly, just a few easy requirements!

I’ve never had to take out a short term loan before

Good, hard working people, just like you, are taking out short term loans for the first time. The economy is tough, and it keeps getting tougher. The economic indicators are getting worse every day. Many of us have never struggled with underemployment before, or late fees and emergencies that happen without a way to pay for them. It’s OK; it is happening to so many of us.

But I have bad credit

That’s OK! And there are more good things about these loans:

• Loans are available of up to $1,500
• It doesn’t matter what your credit looks like because there is typically no credit check
• Even a bankruptcy on your credit is OK
• You can be in the armed forces
• The whole application process is done online
• You don’t have to make a phone call to get started
• You don’t have to fax anything in most cases
• It only takes an average of 60 seconds to get an answer on the online application
• It’s completely secure and hassle-free
• The funds are sent to you quickly, sometimes in as little as two hours
• The money is deposited directly into your checking account.

How hard is it to pay back Money Loans?

Getting the Money Loans are easy; paying them back is as easy.

• Many lenders will let you make smaller payments over time rather than making one lump payment
• Payments come out of your checking account: no checks or stamps or running to make a payment
• Everything is online, from the application to the repayment

Get rid of that stack of bills today with Money Loans.

Apply HERE for Money Loans!

Citgo is trying desperately to raise enough money to continue operations. Image from Flickr.

Given the BP oil spill disaster, it is no surprise that oil-refining company Citgo is having problems getting financing. Originally, the company was looking to raise $1.5 billion by selling bonds. However, the business they are in combined with the fact the company is “exposed” to Venezuela made this sale a flop. Now, the company is turning to $2 billion in bank loans combined with just $300 million in bonds.

Bond sale fail

Citgo, which is the child company of Venezuelan PDVSA, has been running at a net operating loss for the first quarter of the year. In order to raise quick cash to run the company with, the company tried to sell $1.5 billion in bonds. Bonds are a group of individual little loans, where the company must repay the bond plus interest to investors. Citgos bonds were slated for 2017 maturity, meaning any investor who bought them would have to wait seven years to get paid back. Investors, though, were not interested.

Bank loans to the rescue

Because the pay day of bonds didn’t pan out, Citgo was forced to find other options for money loans. The company turned to banks and private money lenders, and it was able to raise $2 billion. That money is partially from new credit extended to the company, and partially from “extension of existing credit lines.” In other words, these lenders were willing to take on the risk of extending credit to Citgo. These lenders, however, have said that they are planning on turning these loans into bonds — in other words, spreading the risk out among many, many more investors.

Citgo’s operating loss

The operating loss that Citgo had over the last quarter is for many reasons. There is political instability in Venezuela, where Citgo’s parent company lives. Though Venezuela’s state-owned oil company does not do much offshore drilling, the BP oil spill is generally affecting the oil and fuel market. This instability within the market is contributing to companies like Citgo being unable to get financing to continue operations.

Getting a payday loan and paying it back on time can help build a good credit score and preserve good credit in a financial emergency. Flickr photo.

A good credit score is a major quality of life issue for everyone. Building good credit or fixing bad credit isn’t complicated. It’s a simple two-step process. First, always pay all bills on time. Second, borrow money and pay it back. Sometimes a payday loan can help build, preserve or rebuild a decent credit score. With good credit preserved through smart payday loan use, a person can get better deals, it’s easier for them to lease apartments and most importantly, its easier to get hired for a better job when the employer sees a good credit score.

Credit repair starts with a credit report

To build good credit or start credit repair, people have to know their credit score. AnnualCreditReport.com is the official government site to help consumers to obtain their free credit report. Sometimes credit scores contain mistakes that are no fault of the individual. These errors can damage credit and quality of life for a long time if left undetected. Everyone should check their credit reports at least once a year to be sure all the information is correct. Correcting errors in credit reports can take some time, so it should be a top priority for a person trying to build good credit.

Money loans build credit

Money loans factor most in a good credit score. In the current economic climate, banks are very reluctant to make money loans and can’t be considered a reliable source of borrowing for most people. A good alternative is responsible credit card use. Apply for one and use it frequently. But check the fine print on any credit card offer and only choose one with no annual fee and a low interest rate. Don’t ever keep a balance on the card. Paying off the entire balance every month avoids interest charges and shows good personal financial management.

I need money now

Building a good credit score by paying rent, utility bills and credit card balances on time always works perfectly on paper. But sometimes real life throws a monkey wrench into the most carefully made plans. The car dies. A child gets injured and needs emergency care. A toothache turns into a root canal. So now what? A late credit card payment can cost a fortune in penalties and interest. If the check written to make that credit card payment on time bounces, the bank pounces with an outrageous NSF (non-sufficient funds) fee.

Same day pay day loans

To protect a good credit score in an emergency, a payday loan can a practical option. Payday lenders provide a valuable service and are reasonable when compared to default fees of mainstream lenders. For example a $100 payday advance commonly comes with a $15 fee. Compare that with a $100 bounced check with $48 NSF fee. A payday loan can avoid that bounced check fee and the credit report damage that comes with it. Plus, borrowing the money, and paying it back on time maintains the progress being made on building a good credit score.

Short term loans no credit check

The quickest, easiest way to protect a good credit score in an emergency is an instant online loan. Hundreds of direct payday lenders competing to make payday loans can be found online. A quick ten minute payday loan application leads to cash in the bank account the very same day. Payday cash advance firms don’t conduct a credit check. But the borrower must always stay on budget and pay in full at the end of the term, usually 14 days. The peace of mind restored with a payday loan can quickly become another set of problems if it’s not paid back on time.

Get professional credit repair help

Speak to a professional today and take proactive steps to repair your credit. For a FREE credit consultation, call 1-877-563-2076.

Creating a personal budget to learn how you spend your money is a good way to get the most out of a payday loan. Flickr photo.

The best way to get the most out of short term credit is to create a personal budget. Nobody wants to be on a budget. But everybody has to be on one, no matter how much money they make. When short term cash advances or payday loans become part of your financial strategy, controlling spending with a budget is the best way to make sure the money being borrowed is used in the best way.

Why create a personal budget?

Creating a personal budget involves working with all the information available about your finances. It may sound elementary, but when you decide to get a payday loan, you have to know where your money is coming from, how much you have and where it all goes. One of the biggest reasons most people avoid budgeting is that they would rather not know how they really use their money.

Budget before you borrow money

Creating a personal budget isn’t as bad as it sounds. Most of the work is front-loaded at the beginning. Once your finances are dialed in, tracking income and expenses is pretty much automatic, if you stay on top of it. CNN reports that what may seem like drudgery gets spiced up by facing the reality of foolish spending habits. It’s better to learn what they are on your own. Most of the foolish spending is pretty common and fairly easy to eliminate.

Personal budget for debt reduction

To create a personal budget, get started by making a list of all of your regular monthly expenses, including what you spend on fun things like eating out, entertainment and hobbies. It’s very important to include minimum payments toward debts, including payment in full of personal payday loans at the end of their term. About.com says don’t forget to build in money for debt reduction. Use software like Quicken or Microsoft Money to make it easier. These personal-finance programs have the built-in budget-making tools that can create your budget for you.

Settle emergencies with instant money loans

Subtract expenses from earnings to see how much you can expect to have left at the end of the month. If your personal budget comes out on the negative side, go back over each expense, look for places to make cuts, and figure out where you are willing to make sacrifices to get out of debt. After taking care of emergencies with instant money loans, debt reduction should be your first priority. Then you can start saving money to meet your financial goals, like a nice vacation, retirement investments or an emergency fund.

Live by your personal budget

All the time you spend creating a personal budget will be wasted if you don’t put your budget to work. Try to live within your budget. See how it feels. At the end of that first month, look over your spending to see if it matches up to your budget. If things are still out of whack, consider small money loans while you figure out how you can work harder to control spending. You may have to rework your personal budget to be more realistic as far as how you actually spend your money. Then, crunch the numbers again until you’ve made it right.

Personal budget tips:

Here are some money-saving tips courtesy of freefinancialadvice.net:

• Do not use credit cards. If you must, pay them in full each month
• Consolidate your credit cards and student loans at a better rate
• Refinance your mortgage or car loan at a lower rate
• Use coupons to shop–try coupons.com for free local coupons
• Occasionally buy generic, or non-name brand merchandise
• Stop smoking
• Don’t try to compare yourself to your friends and neighbors

Most credit unions won't give you a duck. Most credit unions won't give just anyone short term loans, either. (Photo: Picasa)

Short term loans and similar money loans have been a thorn in the side of banks and credit unions who have sought to gain a foothold as direct lenders in the short term credit market. Payday lenders have addressed the consumer need for quick cash with aplomb, making successful entry into the market perhaps more difficult for traditional financial institutions. As a recent study by UC David Ph. D. Victor Stango entitled “Are Credit Unions Viable Providers of Short-Term Credit” suggests some of the reasons why credit unions (and by extension, even traditional big banks) aren’t mounting any serious completion for payday lenders.

Short term loans just as expensive at credit unions – or even pricier

Stango points out that there simply isn’t a preponderance of evidence proving that short term loans are a viable product for credit unions. To be competitive and hence profitable for a credit union, short term loans must be priced lower than that of payday lenders. In addition, requirements and terms must be attractive to consumers. Having low cost but being riddled with red tape won’t work, and if the price is too high, consumers will look elsewhere.

Fees within fees at credit unions

Of the 7,749 credit unions covered in Stango’s study, only six percent even attempted to offer short term loans to the public. That’s 479 credit unions. Of those, the initial short term loan APR was generally lower than those of most payday lenders surveyed, but not so much that it made a great deal of difference. However, many of the credit unions with lower loan APRs actually had additional loan origination fees that made the cost difference either negligible or tipped it in favor of the payday lenders.

Why did only six percent of credit unions offer short term loans?

The vast majority of credit unions contacted by Stango’s assistant actually refused to explain why they do not offer short term loans. The few who were willing to go on record claimed short term loans were either “too risky” (too many delinquencies), there was “insufficient demand” (which seems unlikely, considering the wide market for short term loans from payday lenders) or “interest rates are too high” (perhaps creating a lack of demand, at least for short term loans with traditional financial organizations).

Federal credit unions are shackled by federal law

Federal credit unions can charge a maximum of 18 percent APR on a loan, which means that for every $100 loans, that would be an interest charge of $1.50 per month. Even if every customer repaid their short term loans on time, that simply isn’t enough to make the product viable for credit unions. Some credit unions have proven able to get around that cap and raise the bar to 36 percent APR, but in almost every case, additional fees are necessary for them to even break even with short term loans, Stango discovered.

Strict standards

In addition to the problems of cost, most credit unions in Stango’s study require that borrowers be members of the credit union for at least 60 to 90 days. Also, if the customer has made any late payments on other loans or filed bankruptcy, they are generally found to be ineligible for short term loans before taking a payday loan. For all of the reasons stated here from Stango’s study, short term loans are simply not a viable product. Payday lenders can provide short term loans and other forms of money loans at somewhat lower cost and with much less administrative hassle.

Source:

“Are Credit Unions Viable Providers of Short-Term Credit?”

Related Video:

The Federal Reserve reported that an unexpected consumer borrowing increase in March is another sign that an economic recovery is underway. Flickr photo.

Consumer credit increased in March 2010, the Federal Reserve reported Friday. The $1.95 billion increase in consumer borrowing surprised economists, who had expected consumer debt to continue a decline that resumed in February after a January spike in money loans. The unexpected March consumer credit statistics mark only the second time the Fed has reported a consumer confidence increase in 14 months. Some believe that consumer spending, making up 70 percent of the economy, is trending to a level that could help strengthen economic recovery.

Consumer confidence on the upswing

News of the March consumer credit increase comes hot on the heels of a Friday Labor Department jobs report announcing that 290,000 jobs were created in April. The jobs increase was accompanied by an increase is the unemployment rate. However, the report said the improved economic outlook is motivating people who had quit looking for jobs during the recession to resume looking for work.

Consumer debt figures a surprise

The increase in consumer credit statistics surprised many economists. Bloomberg reports that a survey of 33 economists had forecast consumer debt in March would drop further from an $11.5 billion decrease reported in February. Projections ranged from a consumer debt decrease of $8.5 billion to an increase of $8 billion. Economists surveyed by MarketWatch expected consumer credit to decline by $4.5 billion in March. The March gain represents a 1 percent rise at an annual rate following a 3 percent drop in February and a 3.2 percent January increase.

Federal Reserve consumer credit statistics

Federal Reserve Consumer credit statistics show that non-revolving debt, including loans for cars and mobile homes, rose by $5.1 billion in March. Bloomberg reports that auto sales in the U.S. rose to the equivalent of 11.8 million annually in March — the strongest performance since August 2009, according to industry statistics. The pace had slowed to 11.21 million in February. Auto sales in March were boosted by Toyota incentives the company offered to make up for record recalls. Ford led U.S. automakers with a 40 percent sales increase. Sales at General Motors increased 21 percent.

Federal Reserve Consumer credit statistics for revolving debt, such as credit cards, fell by $3.2 billion in March. The central bank’s report doesn’t cover borrowing secured by real estate.

Consumer borrowing will fuel recovery

The low rate of personal savings in the United States has aroused a sense of alarm for years. But the Associated Press reports that in the wake of the great recession, economists now say that consumer debt needs to stabilize and grow to prevent derailing the modest recovery under way, although they expect that the rebound will be restrained by tighter credit conditions imposed by many banks.

Many legislators are angry that a Republican fund-raising letter looks like a Republican census scam. Image from Flickr.

Both Republican and Democratic leaders are speaking out strongly against the Republican census form that is turning out more like a Republican census scam. The fund-raising letter is disguised as an official “Republican census letter” that asks people to give the party money now. The Republican census scam is not new, but this year it may violate a law signed on April 7.

Republican census form aims to deceive

The Republican census form that has been mailed out is dated April 12. Given that the Republican census form uses phrases such as “Census tracking code,” “Census document registered to” and “OFFICIAL DOCUMENT, DO NOT DESTROY,” it looks very similar to official U.S. Census forms. Many are saying this is a Republican census scam. Think Progress.org has posted a copy of the Republican census form, while Politico quoted a “Republican operative familiar with the program” as saying:

“Of course, duping people is the point. … That’s one of the reasons why it works so well. …They will likely mail millions this year (with) incredible targeting.”

Republican census scam

The Republican census letters have been sent out for decades. Ten years ago, senators requested that the Postmaster General investigate the Republican census “scam.” The result of that investigation was that because the Republican census letters did not use a seal or official “U.S. Census Bureau” name, they did not violate the law. However, the House passed a law that President Obama signed on April 7 that specifically banned mailers that were “designed to confuse recipients.” Many senators have asked John Potter, the Postmaster General, to investigate the mailers.

Does the Republican census letter violate law?

The specific law that was signed on April 7 requires many things of the Republican census letter. Any mailing with an envelope marked “Census” must clearly indicate both the sender and the return address. The Republican census letter must also include a disclaimer that it is not from or affiliated with the federal government. The official Republican census letters that are dated April 12 do not appear to include these elements in the request for money loans.

So what do you think? Are these Republican census letters a Republican census scam or a legitimate fund-raising effort?

Sources:

TPM
The Plum Line
Politico

Ford stock has been soaring in 2010 and the Ford earnings report issued Tuesday showed a net profit as the auto maker plans to increase production. Flickr photo.

Ford stock is blowing up and the Ford earnings report released Tuesday shows its best quarterly performance in six years at $2.1 billion. The Ford Motor Co., the only Detroit automaker not bailed out of bankruptcy with money loans from the Federal government last year, has earned a profit for four consecutive quarters while its domestic rivals flounder. By slashing costs and increasing sales, Ford stock price and Ford earnings report numbers have shifted from negative to positive a year ahead of schedule, even as the market for new cars has yet to recover.

Ford stock price soars

Ford stock hit a five-year high Monday at $14.57. The Ford earnings report showed net profit equaling 50 cents a share, blowing away Wall Street expectations of 32 cents a share. One year ago, Ford stock traded at $1.91 a share, and the Ford earnings report showed a loss of $1.4 billion–a net loss of 60 cents a share. Introducing new products, closing plants and eliminating tens of thousands of jobs is working like Ford boss Alan R. Mulally said it would when he took over four years ago. Presenting the Ford earnings report, Ford executives said the company expects to continue selling cars for positive cash flow in the immediate future.

Ford earnings report fuels production

Ford said it planned to build 625,000 vehicles in the United States and Canada in the second quarter, 9 percent more than the first quarter and 39 percent more than same period a year ago. It plans to introduce new models later this year with the aim to capture a bigger piece of the growing market for smaller, more fuel efficient cars. Ford fans will be getting auto financing for new versions of the Fiesta and Focus, plus a retooled Edge crossover and a more fuel efficient Explorer SUV.

Ford stock analysis

A Ford stock analysis shows an increase in price of more than 40 percent so far in 2010. Ford’s market share in the United States rose to 16.6 percent in the first quarter, up 2.7 percent from the first quarter 2009. It outsold General Motors in February for the first time in 50 years. In addition to draconian cost cutting and increased focus on quality, Ford’s gamble to forgo the government bailout appears to have paid off in spades as the images, and sales, of GM and Chrysler have suffered. Toyota’s recall of more than nine million vehicles and the resulting publicity nightmare of the past six months probably hasn’t hurt Ford stock either.

Ford stock outlook

The Ford stock outlook hints that the Ford stock price may not sustain its current rally. The New York Times reports that Ford’s chief financial officer Lewis W.K. Booth said the company does not necessarily expect each of the next three quarters to be as strong as the first, particularly if an improving economy leads to higher interest rates later in the year. As if on cue, Ford stock was falling Tuesday after the company’s earnings report was released. As of noon eastern time the Ford stock price was down about 6.5 percent at $13.50 a share. Monday’s closing price for Ford stock was the highest since January 2005. Debt survival may be an issue in the Ford stock outlook. The company still has much more debt $34.3 billion, than cash, $25.3 billion.

The National Day of Prayer is advertised as a multifaith prayer event. Image from Flickr.

The rumors have been running rampant that President Obama has seen to it that the National Day of Prayer 2010 is canceled. However, the National Day of Prayer 2010 canceled rumor is just that – a rumor. Money lenders, tax collectors, Samaritans and people of every religion (or no religion) have no reason to get worked up. It is true that President Obama has chosen to not hold a prayer ceremony in the East Room on the National Day of Prayer 2010. However, National Day of Prayer 2010 canceled simply isn’t true.

National Day of Prayer 2010 canceled rumor

The National Day of Prayer 2010 canceled rumor has been running rampant on Facebook, Twitter and many blogs. The beginnings of the National Day of Prayer 2010 canceled rumors were in the announcement that President Obama will not be holding an official ceremony for the National Day of Prayer 2010. The official statement from the White House press secretary was that “Prayer is something that the president does every day.” As with last year, Obama is planning on signing the National Day of Prayer 2010 proclamation.

History behind the National Day of Prayer 2010

The National Day of Prayer was first established in 1952 by President Truman and was officially recognized in 1988 by President Regan. An annual observance “for people of all faiths,” the National Day of Prayer is organized by the privately funded National Day of Prayer Task Force, which uses money loans to help fund some national observances. While most presidents since Truman have held observances of the National Day of Prayer, a few have expressed concern that the National Day of Prayer may break the separation of church and state.

Who thinks National Day of Prayer 2010 canceled rumor is concerning?

The National Day of Prayer 2010 is not canceled. In fact, the National Day of Prayer Task Force will still be holding a Capitol Hill recognition of the day. The chairman of the privately funded organization released a statement saying “at this time in our country’s history, we would hope our President would recognize more fully the importance of prayer.” The White House has said that President Obama will be spending the National Day of Prayer 2010 recognizing “in his own life and in his family’s life, the role that prayer plays.”

Who thinks National Day of Prayer 2010 canceled should be true?

There are some groups that believe that “National Day of prayer 2010 canceled” should be a headline. The Freedom From Religion Foundation filed a 2008 lawsuit that named the President, press secretary and state governors as defendants. The FFRF alleges that the National Day of Prayer 2010 should be canceled because it violates the separation of church and state.

Sources:

CNN
FFRF.org

Benjamin Netanyahu will be meeting with President Obama at the White House today. Image from Flickr.

Israeli prime minister Benjamin Netanyahu is scheduled to meet with President Barack Obama at the White House this evening. The meeting is closed to reporters, but most reports indicate that the talks are most likely going to be focused on the recent Israeli announcements that an East Jerusalem settlement has been approved, pending the developer’s secured loans. Some politicians are also hoping that the meeting between Netanyahu and Obama will include discussions of the diplomat representing Israel being kicked out of Britain.

Netanyahu and Obama to discuss peace talks

One of the major topics on the docket for the meeting between Netanyahu and Obama will be the restarting of indirect peace talks with Israel and Palestine. Over the last few decades, the United States has mediated several peace talks between Israel and Palestine, though tensions in the region remain high. Israel, through their Prime Minister Netanyahu, has recently announced plans to allow 1,600 new settler homes in East Jerusalem. The United States, through Secretary of State Hillary Clinton, has condemned the plans, and tensions between Netanyahu and Obama have since been very high.

Netanyahu takes a stand on Jerusalem

Jersulem has long been a disputed district in the Israel-Palestine conflict. In a speech to Israel’s supporters in Washington, D.C., given before he met with Obama, Netanyahu stated that “Jerusalem is not a settlement. It’s our capital.” He also very carefully outlined that while the relationship between the U.S. and Israel may be strained, any attempts to break off the relationship would not work. Netanyahu has advocated on multiple occasions that the easiest path to peace between Israel and Palestine would be an “economic path” – relying on commerce and money loans to make peace.

Bejamin Netanyahu’s history as Prime Minister

President Obama is not the first United States President that Benjamin Netanyahu has met with. Netanyahu was originally Prime Minister of Israel from 1996 – 1999. After a turn in political fortunes and 10 years of political work in Israel, Netanyahu again became the head of a coalition government in Israel. In the past, Netanyahu has called U.S. led peace talks between Israel and Palestine a “waste of time.” In January of 2009, Netanyahu claimed he would continue the Israeli policy of not building new settlements in disputed areas. However, the recent approval of an Israeli settlement in East Jerusalem seems to contradict this act.

Sources:

Voice of America News
Guardian
The Jerusalem Post
Wikipedia

Art inspired by an actual abandoned book depository for Detroit Public Schools.

“At what point will America’s public schools turn the corner?” is something many of us wonder – and Detroit Public Schools are a prime example of what has gone wrong. Children deserve a quality education, but too few families can afford to send them to private schools because they a) do not make enough money, or b) are so mired in debt due to bad credit decisions that they live from pay day to pay day. As recent news out of the smoldering crater that is Detroit Public Schools indicates, things are going to get a whole lot worse before they get … even worse. The children of the once great but now recession-riddled city of Detroit deserve more.

Closing 45 Detroit Public Schools a $1 billion plan?

Emergency Financial Manager Robert Bobb says closing 45 Detroit public schools is a $1 billion plan. But how do Detroit Public Schools expect to be able to assimilate the discarded children, teachers and staff into the schools left standing?

Overcrowding and inferior, aging facilities are already a problem –- then there’s the problem of discipline in the classroom. Stuffing more kids in may finally blow the top off the pressure cooker. Associated Press reports indicate an expected drop of 30,000 students over that time (preschool through 12th), but where will they go? Can their families actually afford to move without money loans? People in Detroit are stretched to the limit financially; it’s that way in many Michigan cities, including Flint.

Detroit has lost half its population in the past 50 years

Crain’s Business Detroit brings us that sobering statistic, something typically heard about small towns that depended upon dying industries for their lifeblood. Once Detroit Public Schools has dropped 45 more schools, the automobile capital of America will be that much closer to being either a) a ghost town, or b) being bombed off the map to avoid an “Escape from New York” scenario from spreading. Merging schools won’t address the quality of education troubles that plague Detroit Public Schools and every other public school system from Honolulu to Rhode Island.

Detroit Public School closures to be finalized by mid-April

Until then, read this list and reflect on a dream for a better Detroit that might have been. Without the capital – without the hope – Detroit will fall, strangled, in the dust. These schools will close in the next few years.

(Photo Credit: http://www.flickr.com/photos/shanegorski/ / CC BY-ND 2.0)

Related Video:

Image from flickr

Christie King Collbran never wanted to become a Scientology defector. In her interviews with The New York Times and The Today Show, she still adamantly insists that she believes in the philosophies of Scientology – but that she and her soon-ex-husband both saw too much to remain in the organization.

Scientology defector breaks her silence to the media

Christine, who was born into a Scientologist family, has been a member of the Church of Scientology her entire life. She and her husband met and were married as Scientologists. While she was very close to her parents, they could not attend the marriage, because they had spent extensive money loans on rising in the ranks of the church. At a very young age, she was recruited for the elite “Sea Organization” – the leadership of the church. After 13 years within SeaOrg, Christine and Chris went through an allegedly harrowing, expensive, and personally dangerous process that took over a year, and they were still labeled as “suppressives” – cut off entirely from friends and family as punishment. That is when they decided to break their silence about defecting from Scientology.

Christine and Chris, Scientology defectors, saw alleged abuses

Christine, the Scientology defector that is breaking her silence claims that both she and her husband worked long days for as little as $17 a week. She also alleges they they both witnessed abuse by Mr. Miscavige, the head of the Church of Scientology. There have been other claims from former Scientologists breaking their silence that have included the same accusation – including physical, as well as emotional abuse from the church leader. The Church of Scientology vehemently denies all of these claims.

Leaving Scientology required silence not be broken

As members of SeaOrg, Christine and Chris were required to sign a contract stating that she would “be a member of the church for a billion years,” based on the belief that church members live forever. When they decided to defect, the Church of Scientology billed them for $90,000 worth of “counseling services.” They were able to negotiate the bill down to “only” $10,000 of cash today. Beyond the bill, both Christine and Chris claim to have spent over a year going through the process to leave SeaOrg – including being asked to sign affidavits they had not written. They “could have just walked away,” but they feared being labeled “suppresives” and cut off from their friends and family. After a very long, frustrating process, Christine and Chris finally decided to get pregnant. This was the ultimate act of defection, because, as the Church admits, members of SeaOrg are not allowed to have children.

Defectors still believe in the tenants of Scientology

In the interviews that broke her silence about the abuses she had witnessed within the Church of Scientology, Christine is very careful to point out that both she and her husband still believe in the philosophy of Scientology. She points out in the Today Show interview that “there is a creed in the church that says all people are free to believe and practice” as they wish. While she breaks her silence, this Scientology defector has also been left with practically no money, no family, and cut off entirely from a church she believes in.

Weaknesses exposed by Scientology defectors?

There are small groups of Scientology defectors around the nation, and they tell a very different story than the Church of Scientology. As Christine says, “There’s a lot of PR to make it look like a successful, expanding organization. I wish that were true, but it’s not.” The New York Times article points out that in the American Religious Identification Survey, that the number of Scientologists in the United States fell from 55,000 in 2001 to 25,000 in 2008. There are also many other high-profile defectors, including Mark Rathbun, one of the former top aides to Mr. Miscavige.

Scientology defector breaks her silence in hopes of change

Like many “Independent Scientologists”, Christine is talking with the media in the hopes of seeing changes within the church that she still believes in. However, those changes do not appear likely to happen within the church anytime soon – the official statement from The Church of Scientology is that Christine is “a liar.” No matter what happens in the church, this Scientology defector has been effectively cut off because she broke her silence.

Citibank sent the letters on February 16

The company is calling it a “processing error,” according to the Chicago Tribune. The numbers appear at the lower edge of the envelope with other numbers and letters. So it isn’t as obvious as problem flatulence, but it is definitely a bit of a brain fart on the part of Citibank, Citigroup and everyone else in the Citi family. But don’t worry; Citibank Client Services Director Norman Wright sent letters to all 600,000 customers in an effort to clean up the mess. He extended an offer for free credit monitoring for 180 days. Unfortunately, now that forgers know to wait 180 days, perhaps that isn’t enough. They could be using your Social Security number to take out money loans.

The error produced “little to no risk” to Citibank customers?

Talk about spin control by Citibank. Citigroup and its board of directors must be proud, and shareholders must be exceedingly happy that the company is so deftly handling the situation. In Wright’s apology letter he says as much, that there is “little or no risk.” Isn’t it comforting to know that your bank is actively lying to you, Citibank customers? How could there be little or no risk if unauthorized people are getting hold of your Social Security number?

If you’re a Citibank customer, are you satisfied with their offer?

Personal Money Market would love to know your thoughts on the matter.

(Photo Credit: http://www.flickr.com/photos/kiwanja/ / CC BY 2.0)

Related Video:

http://www.youtube.com/watch?v=mx5ytclEXiY

Becoming a part of Statistics

According to Washington Post writer Guy Gugliotta, there was “a survey of 44 cities, the Center on Budget and Policy Priorities found that 75 percent of the low-income households earning less than $10,000 per year are paying more than 30 percent of their incomes in rent.” (a.08, Nov25, 1992)

In today’s day and age, many have found themselves closer and closer to being part of this statistic. The rich are getting richer and the poor are getting poorer. Soon there will no longer be a middle class; just the poor and the rich. Now I consider myself to be of the lower middle class income level. However, I would be ranked in the lowest class if it wasn’t for installment loans for people with bad credit. In fact, I think many people depend on money loans to get by these days. Without this option, the middle class would become obsolete.

Payday loans are for all income levels

Some are as low as 50 dollars and others as high as 1500 dollars, whichever the case, Personal Money Market can help alleviate the situation that’s plaguing America today.

“The study discovered that poor households in California had the gravest problems with rents, with five California urban areas showing 87 percent or more of low-income households unable to obtain affordable housing.” (a.08)

Every product or service you can think of is on the rise, especially in California where many of its residents are unable to pay their rent. I’m not personally from California, but I have been in this dire situation on more than one occasion. My pay day just wasn’t coming soon enough in some cases. In one instance, I had to send my 7-year-old daughter out of state to go live with family because I could not come up with rent. I was not going to drag my little girl through homeless shelters, so I sacrificed my time with her. We are now together again, but I don’t know what the outcome would have been if I wasn’t able to get short term loans online during the hard times.

How loans can help.

Hard money loans helped me stay afloat and, in many situations, can help all families keep their housing or even get the deposit to move into a new home. Now instant cash isn’t always an option. Some people resort to illegal activities just to keep their home. This is not an option to the average person. You can get payday cash with a fax less payday loan. I use same day loans for a lot of different reasons. I avoided homelessness once. I also repaired my car a few times using money from an online payday loan.

Pay day loan advances can’t fix the housing crisis in California and throughout the United States, but It can help a lot of working people keep what they have strived so hard to achieve. I am grateful everyday for Personal Money Market. Had they not help loan me fast cash, I would not be here today to tell you about this very topic. Thanks for reading and I hope you can find relief with all your money woes through the same service.

Start Your Money Loans Application HERE!