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

Payday loans mean that surprise expenses will never leave your budget in a bind. (Photo: Wikipedia.org)

Payday loans are quick short term loans that can be used for urgent situations such as paying off medical bills, car repair and more. The loan amount has to be returned on the day you receive your pay, and the interest rate is fixed by the lender. Payday loans may sound advantageous for meeting unexpected or urgent financial needs, but there are also some disadvantages that cannot be ignored.

Payday Loans Help with Unplanned or Unpredicted Money Requirements

Payday loans are instant loans, as you do not have to wait long to get this loan approved. Thus, the convenience of this loan system is that you can instantly use the loan money to meet your unexpected emergencies. The process of applying for this loan is fast and simple. You just need to fill out a short form and provide documents that include your general information such as your name, address and banking details.

A Few Preventive Steps to Make the Most of Payday Loans

1. Since you are required to provide your bank details and credit details to the lender, it is important to always check the credibility and the reputation of the lender you are going to deal with.
2. It is better to research a bit to find out the interest rates and compare the rates with what your lender is charging. Try to search for around three or four lenders (or even more) and compare their services to get the best deal.
3. Make sure that there are no hidden charges or terms included while applying for a payday loan. Always read the terms and conditions of the lenders providing you the payday loan in order to avoid these charges.
4. It is advisable to plan your loan repayment while applying for payday loans. Since the entire loan amount is to be returned on your next payday, you will need to plan this before so that you will avoid any extension on repayment as this can further burden the upcoming month’s expenditure and also can add to your increasing interest rate.
5. Payday Loans can be an easy solution against unexpected expenditures or monthly needs but we cannot ignore the fact that these loans come with quite a high interest rate.

Avoiding the Pitfalls: Using Payday Loans Well

1. Payday loans are not the best solution for every problem. These loans should not be taken for just any reason, such as fulfilling your luxuries, shopping for fun and so on.
2. You must search properly and go through a list of lenders in order to get the best deal in interest rates. The more you search, the better your chances of finding a good lender providing you with suitable interest rate.
3. You can deal with money shortage due to unplanned monthly budget or unexpected financial burdens with a payday loan easily. However, to avoid any more financial burden from your payday loan, you must have complete knowledge of payday loans. You must know the pros and cons in order to utilize them properly and safely.

Apply for Payday Loans HERE

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

Image from Flickr

Loyal Wednesday night TV watchers have  had to endure some disappointment lately. “Glee” has not aired on Fox for two weeks because of some baseball tournament thingy between some dudes who are named after a racial slur for white people and some dudes named after delicious steak sandwiches. However, “Glee” is back tonight!

Furthermore, last week “Top Chef” played some ill-conceived space-filler in which former “Top Chef” contestants got together to cook and talk. There was no competition, and events such as host Fabio confronting grating personalities like Marcel from Season 2 made the awkwardness a bit over the line for me at times. I’m aware that a lot of people eat that type of content up, hence shows such as “Real Housewives of She-Devil County,” but I’d rather eat up Kevin creating his next pork masterpiece or some good, old-fashioned Voltaggio brothers rivalry.

Veterans Day: good for staying in

Veterans Day means banks are closed, but you can still get online payday loans. In fact most businesses are still open, but it’s tough to know in advance which ones. Luckily, you can have a great night at home because both “Glee” and “Top Chef” are back with new episodes.

Internet buzz says that on “Glee” it is revealed that Finn is not Quinn’s baby daddy. I don’t feel bad saying that because it has been on the TV commercials, too. The new “Top Chef” is entitled “Strip Around the World,” and it begins with the chefs making breakfast in bed for Padma and a guest judge. Of course, “America’s Next Top Model” will air as usual.

‘Glee’ catch-up session

Because “Glee” has been off the air for what seems like forever, here’s a little catch-up session for y’all. On the last episode, good-girl Rachel and bad-boy Puck made out and then, after a little back-and-forth on the topic of being a couple, eventually decided that being “two good-looking Jews,” as Puck said, is not enough.

The union between Emma and Ken continued to be painful to watch as Will tried to create a mashup of their chosen wedding songs, “The Thong Song” and “I Could Have Danced All Night.” Ken picked up on the fact that Emma may have a thing for Will, and some good old-fashioned macho exchanges took place.

‘Top Chef’ replay

Before all of this “All Stars Dinner” ridiculousness, Kevin won (again) on “Top Chef: Las Vegas” season 10 for his vegetarian dish. What was the King of Pork doing making a vegetarian dish? Why, it was the wish of Natalie Portman, of course.

After Mike I. said the leeks in his dish were meant to “represent” protein, he was sent packing, and I let out a huge sigh of relief. Some people love to hate their least favorite chefs, but I just love to watch them leave. Mike I. remained an arrogant, somewhat sexist jerk throughout the competition, and I won’t miss him at all.

5 Things to do on Veterans Day

In case you’re not the TV-watching type, I have come up with an alternate list of things to do on Veterans Day. Of course, the purpose of Veterans Day is to honor soldiers. I believe this happens in the mind and heart and isn’t much of an activity, so I am sticking to activities with the understanding that we should be grateful for soldiers every day. That said:

1. Go see “A Serious Man,” the new Cohen brothers film, if the big screen is more your speed. It’s a masterpiece!
2. Rent a war movie. One with a good message, not one of those “let’s see how much gore we can put in an R-rated movie” types.
3. If you don’t have to work, practice for Thanksgiving. Try out recipes from AllRecipes.com or Recipe Zaar to take out some of the guesswork and stress.
4. Is it time to join a gym? Most gyms are open on Veterans Day, and if you get a gym membership before you’re tempted with all types of holiday cuisine, you might not have to deal with post-holiday guilt.
5. Start your holiday shopping. If you get on it now, you can complete your entire shopping list online and not have to deal with mall mayhem. Check out my gift ideas.

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.

Looking for a payday loan or similar short period loan to help your personal budget during a crisis? (Photo: flickr.com)

A payday loan is a financial arrangement that allows a person to borrow a sum of money over a short period of time so that it is possible to overcome a shortfall in the personal budget until the next payday. It is usually unsecured and the lender will approve the loan provided that person has a regular monthly income and a checking or savings account. This is an ideal way to overcome unexpected expenses that crop up from time to time. It is also helpful in avoiding such situations as bouncing checks and the penalty fees associated with it. Once a lender approves a payday loan, they transfer the funds electronically to the borrower’s checking account or the savings account within a matter of hours. So, as you can see, a payday loan is a fast and easy way to overcome unexpected expenses.

Requirements to Receive a Payday Loan

Very few requirements are necessary before a lender approves a person for a payday loan. It is now easier than ever to secure a short term loan such as this and it is extremely convenient, as it can all be done online with minimum hassle.

1. Read and complete the lender’s online form. This will ask for relevant information from the borrower in order to make an assessment. Accurate answers will greatly expedite the process.
2. The lender will contact the borrower over the phone or via E-mail so as to verify the details supplied by the borrower. Some lenders require certain other documents of support to be faxed to them. But on the whole, many lenders do not require the borrower to do this.
3. Once these details and documents are in place, the lender will deposit the money in the account of the borrower electronically. This is safe and easy, and is the best way to get the money you need in a hurry.

Qualifying for a Payday Loan

Qualifying for a payday loan is not difficult if you meet the following minimum requirements that are generally stipulated by the lender. They are:

• Be currently employed with a regular monthly income
• Have an income that is at least above $1,000 per month
• Be a citizen of USA over the age of 18 years with a checking account or a savings account

Security of the Personal Info You Give

The lenders who provide payday loans employ many security measures in order to safeguard the personal information provided at the time of obtaining the loan. All sensitive information that is passed between the lender and the provider is often done over secure lines with personal usernames and passwords for added security. Industry-strength encryption is used for online forms submitted so that data cannot easily be intercepted.

Privacy Policies and Other Terms

Many lenders have privacy policies and terms of service that guide the release of any information that the borrower has supplied him with. This is a document that has to be read carefully by the borrower before committing to a payday loan.

After all these details are dealt with, it takes only a matter of a few hours to obtain a payday loan that will ensure that you will come out of a financial crisis with ease.

Get a Payday Loan HERE!

Could You Use a Payday Loan?

Have you recently had an unexpected bill that requires a payday loan? Personal Money Store is the place that can help get you back on track with an online payday loan from one of our top lenders.

We work hard to help get you the payday loan that meets your financial needs, and best of all you can apply from your own home or office. Below are some ways payday loans can help you and when you can expect to receive your money.

Receive your payday loan the same day

Our payday loan applications only take a few moments to complete, and once you are finished you will find out whether you have been approved within a few moments.

Payday loans have never been easier to apply for now that they are online! In some cases, once you are approved, you may have your funds electronically deposited to your bank account in as little as two hours. You may also be eligible to receive an online payday loan of up to $1,500. Besides being a fast way to receive funds, payday loans can also help you when an unexpected bill arises.

Payday loans Can Help Pay Overdue Bills

Payday Loans can help you pay any overdue bills you may have. There is no reason to get behind on your payments and incur late charges when payday loans are available to you. Our network of lenders have payday loans that are available up to $1,500, and these payday loans are usually electronically deposited into your bank account within the same day.

The network of lenders we work with will help you get an easy payday loan with no problems.  Apply online today, and let us help you with a bill or a  payment that needs to be paid right now. You can rely on us to help you get a payday loan fast.

So please click the “ Apply Now” button shown below to receive your payday loan.

Online Payday Loans Offer Quick and Hassle-Free Finances

Feeling the money crunch? Online payday loans can help. (Photo: flickr.com)

Online payday loans are a perfect solution for people who remain busy in their day-to-day schedules. One of the biggest advantages of online payday loans is that these short-term loans can be used at your discretion. Even if you cannot pay back your payday loans immediately, most lenders offer extensions allowing you another 15 days in order to pay back the full amount. Usually these extensions will cost you from $25 to $30 or more depending upon the amount that you owe to the lender. You can request up to three extensions in some states.

Online payday loans can be an easy and hassle-free way to obtain financial support. Just submitting an application online for a payday loan does not secure your position to get a payday loan. After the loan application has been submitted, it will be approved and verified. The payday loan lenders may ask to check your credit history (although unusual) and other criteria like verifying your employer information, recording your referrals, etc. that you need to fulfill to qualify for a payday loan. Apart from all this, you (almost never) may need to make sure that you have some substantial utility bill receipts that prove the authenticity of your address.

What are the different ways in which you can benefit from online payday loans?

First of all, it’s a quick, convenient and hassle-free loan process. Online payday loans are perfect for busy people because all that is required to apply for a loan is completion of a short loan application form. You only need to provide the requested loan amount and enough information to verify your income and employment. The online process keeps you away from long waiting lines and lengthy transaction processes that otherwise would have taken your precious time and energy.  Usually the application form is processed within a few minutes and in a short time the applicant gets to know whether their loan has been approved or rejected.

Payday loans offer great short-term assistance

One of the biggest advantages of online payday loans is that these short-term loans can help you borrow between $100 and $1,000 or more. Thus, for short financial crunches these loans can be of great help as long as you have the funds available to repay the loan when you get your next paycheck.

Online payday loans can actually make you money

Do you know that when you get together with an online payday loan provider who offers incentives for referring their services with your family and friends, you could potentially earn a chunk of extra cash?  Yes, there are loan providers who will give you $20 off on your next loan every time a potential applicant you refer gets approved for the loan. So how many friends do you have? If you are an employed person you may have a large group of friends and colleagues who at some time in life would require financial support for their short-term needs.

There are many financial institutes online that are dedicated to supplying you with a quick and easy solution to your immediate money needs. Online payday loans are the best option to fulfill your short-term needs.

Start your payday loan application online below!

Saving money is not as easy as it looks. Image from flikr.com

The government has always pushed for people to put money into personal savings. Now President Barack Obama has created ways that will actually make saving easier for workers.

Just like Personal Money store makes online payday loans easier, Obama has come up with these three ways for individuals to save money: auto-enrollment in retirement plans, issuing tax returns as savings bonds and putting unused sick or vacation days into 401k plans.

1. Auto-enrollment in retirement plans

This will not make retirement plans mandatory for employees, it will simply make it easier for employers to enroll their employees in the retirement plans. CNN Money explains:

To make it easier for smaller and medium-sized employers to automatically enroll workers into retirement plans, the administration will clear up some bureaucratic paper-work hurdles for employers to offer that option.

2. Tax returns as savings bonds

This one is pretty simple. Recently the government made it possible for tax payers to get their refunds deposited directly into their bank accounts rather than sending a paper check. Similarly, now tax payers will have the option of having their tax return issued in the form of government savings bonds.

Automatically converting your tax returns into government savings bonds means that your money will be automatically saved and it will earn a higher interest rate than it would at a normal bank. The longer you leave your money alone, the more you will make off of it.

3. Saving sick and vacation days

Many people do not use up their sick days or vacation days at work. For the vast majority, that means that they are wasted. The government now will make it easier for employers to convert their employees’ unused sick or vacation days into dollars invested in their 401k plans. Again, this isn’t a mandatory thing at all. Employers and employees have the option of whether they want to do it or not, it simply will be easier.

Why the extreme measures?

Before you start spouting off about big government and personal freedom, remember that all of these things are completely optional. No one — not employers or employees — is require to participate. However, the benefits of personal savings in relation to the economy are obvious to everyone, so as part of the effort to turn the recession around, the White House has come up with these ways to encourage and facilitate personal savings. Just in case you’re in doubt about whether this help is necessary, here are some statistics from CNN Money:

Even among those with savings in the bank, the nest egg is relatively lean. Of workers 55 years or older, about half have less than $50,000 in savings, excluding their homes and pensions, according to the Employee Benefit Research Institute.

Some of these measures will be very lucrative for people. Unfortunately, these only help people who have jobs and qualify for tax returns. Saving money and investing wisely is very important, and I for one am glad to see that the government isn’t just talking about the fact that people should save money, but is actually taking steps to make it easier. I hope we will see more measures like this in the future, and that we can find a way to help people who don’t have 401ks and tax returns.

This has nothing to do with Obama's "lipstick on a pig" reference. This Caster Semenya magazine cover has everything to do with a young hermaphrodite (?) who might need hormonal therapy before she can officially race against women again. (Photo: pinknews.co.uk)

Will you sleep better at night if you know the answer to that question? Honestly, in the grand scheme of things, I will be just as accepting of Caster Semenya if she/he is proven to be a hermaphrodite. I am open-minded enough to recognize that human beings make the best of their genetic heritage and try to carve the best life possible for themselves and those they care about. What the Caster Semenya magazine cover shows me is that she/he enjoys a more glamorous look. If tests come back positive that she/he is a hermaphrodite, I will not result to using the pronoun “it” in reference. Hermaphrodite, I believe, is its own gender. Online payday loans may be needed to help meet the costs of hormone treatments needed if Caster wants to reproduce (I’m not a doctor, I just play one on this blog). That’s Caster’s business.

Of course, if Caster Semenya is proven to be a woman, that last one won’t apply. And each one of us who are obsessed with proving Caster is one gender or another need some chill pill treatments.

It IS a more attractive, feminine look

Discover (a science mag that takes time off to chase stories on multi-faceted genitalia) blogs that Caster Semenya’s new look on the cover of South Africa’s YOU at http://www.you.co.za/ magazine may just be a sign that this successful 18-year-old athlete wants to enjoy some of the limelight. There’s nothing wrong with that, and she doesn’t need my approval. Sure, there may be some (like myself in more cynical moments) who question the timing and motivation of the whole Caster Semenya magazine cover, but we could just be a bunch of fuddy-duddies who think genitalia are divining rods (and buckets) that guide believers toward some sort of shiny, golden truth. Caster Semenya believes in herself: “I am who I am and I’m proud of myself.” She claims she isn’t bothered by negative publicity and thinks all the people who are uptight about labeling her gender should relax.

“I see it all as a joke, it doesn’t upset me. God made me the way I am and I accept myself,” she told YOU.

YOU has no comment, but appreciates the sales

Not only that, but according to BBC News, the Caster Semenya magazine cover has sparked tremendous national interest. Everyone has an opinion, and many of those people are angry over the insistence upon proving Caster’s gender is one or another. Her family is understandably upset as well, and they insist that she is female. I’d like to believe them and be done with this because if she isn’t, the storm surrounding her will only get worse… until Caster is burnt out and nobody cares anymore. We’re sick vampires, aren’t we?

On looking ab fab

“I’d like to dress up more often and wear dresses but I never get the chance,” Caster told YOU. As a BBC reporter commented, the costumes do show a softer side that what most people have seen before, with Caster in an athletic outfit and track shoes. The YOU spread shows her in black leather pants, sequined tops, dresses, feminine jackets and a cocktail dress with stilettos. Many people would need online payday loans to be able to afford such a wardrobe, but most of us have not been approached to pose in fashion magazines.

Why would anyone object to the Caster Semenya magazine cover and spread? Oh, I don’t know. Perhaps they’re jealous. Perhaps they’re jaded. Perhaps they see that Caster is OK with who she is and want an invisible man to come down from the clouds and smite her. I think she deserves to be happy. I think the others can buy a clue with online payday loans.

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Be a happy hippo with payday loans from Personal Money Store! (Photo: psotd.powerblogs.com)

Online-based no fax payday loans and easy payday loans connection site Personal Money Store is on a mission to be the only Web site that potential clients keep in mind when they’re in need of fast payday loans, payday cash loans, bad credit payday loans or other kinds of short term loans.

The company, boasting working relationships with a huge network of reputable lenders who have helped large numbers of consumers obtain the faxless payday loans, payday loans online, cheap payday loans, quick payday loans, instant payday loans and even payday loans for bad credit, is available anytime clients are in need of funds to tide them over until their next paydays.

We aren’t a lender… but we know them

It should be noted that Personal Money Store is not a lender of online payday loans, low fee payday loans, same day payday loans or installment loans, but rather a match making service of sorts, putting clients in touch with institutions who may be able to help them in their time of need.

The site, offering help obtaining installment payday loans and other kinds of payday advance loans is, quite possibly, one of the fastest in the business. The painless application takes just a few minutes to complete, with inquiries of a few simple things such as the applicant’s social security number, primary sources of steady income and other such things to verify their ability to comfortably repay their loan, should they be approved.

Don’t worry… it’s safe

Representatives of Personal Money Store want to ease potential clients’ fears right away, considering the increasing rate of cases of identity theft, especially online. They do this by assuring the client that should they come to the site in need of easy online payday loans or any other kinds of payday loans, the same up-to-date encryption technologies are utilized as online merchants who work very hard to keep their shoppers’ sensitive information out of harm’s way.

The best part about using the site, however, according to website representatives, is that should a customer be approved by one of the lenders that Personal Money Store has a great working relationship with, you just might have your money in your bank account quicker than you could have ever imagined. In fact, with some lenders, they have the ability to wire you your funds as soon as the end of the same day.

What are you waiting for?

If you are in need of easy online payday loans, you’ve come to the right place. We’re Personal Money Store, and we look forward to the opportunity to serve you!

With the cost of virtually everything going up, with no end in sight, it has become that much harder to make every dollar stretch. From higher grocery bills to the increasing cost of filling up your gas tank, more and more people have found themselves in need of such essentials, but falling short on others such as the rent, electricity, water or the phone bills.

We’ve all been there

It seems as if so many people have found themselves in such situations. Then, should a more pressing emergency expense rear its ugly head, such as a broken down car, it can make everything spin out of control, especially as more Americans find themselves in less-than-perfect credit situations. Should this happen to you, you have a friend indeed with you apply with us for cheap loans.

Ease the pain of prices on the rise!

Cheap loans can get your there when you’re in a pinch. We are able to help almost everyone in obtaining low fee payday loans, instant payday loans, same day payday loans, installment payday loans, payday cash loans and fast payday loans that can be deposited as soon as the end of the day or shortly thereafter. This online-based payday loan “match maker” also has great working relationships with reputable lenders who might be able to wire you payday advance loans, easy payday loans, online payday loans or even cheap payday loans and payday loans for bad credit to those whose credit ratings have also taken a beating.

Do you qualify?

Seeing if you qualify for no fax payday loans, quick payday loans and easy online payday loans is so simple and painless that virtually anyone can complete the application process. The completely secure web-based application takes only a few minutes, inquiring for your social security number, employment and total income information and a few other things that will verify your ability to repay, should you be approved for easy online payday loans.
You can be assured, however, that when you submit your application in hopes of obtaining faxless payday loans, payday loans online, bad credit payday loans, or any other kinds of easy online payday loans, state-of-the-art encryption and other security measures are always utilized to keep your sensitive information safe and out of the reach of identity thieves or other cyber criminals.

Don’t wait!

However, the best thing about seeking assistance obtaining any sorts of cheap loans is that waiting around for your funds to be deposited is kept to a minimum. In fact, with some lenders who may be able to help you, they can have money wired into your active checking account as soon as the end of the business day. So, if you can’t pay the bills and buy the milk eggs and bread, don’t pay late. Use cheap loans instead!

Need a way to make casual income in an effort to find debt relief? If you know how to do laundry, then you can make a nice little side income doing other people’s laundry. But really, who would pay you to do something they could do themselves? (A side note: If you are a little squeamish about handling someone else’s dirty laundry, try using rubber gloves. Or don’t do this job.) There are, in fact, several people who would pay to have their laundry done.

Senior citizens or those who are limited in their physical abilities may be willing to pay a small amount each week to have their laundry done. Busy professionals who may not have time to do their laundry would be willing to pay to have someone else do their laundry. Think: Dry cleaners. People drop off their dry clean only clothes along with regular laundry because it is more convenient than doing it themselves. Stay at home parents who are juggling child care with a host of other responsibilities would be glad to pay someone else to do their laundry for them. And there are many other people, for one reason or another, who would be glad to be rid of the weekly laundry chore. This is perfect for you, because this job caters to all of these people.

What to Charge

If you’ve read my article about earning money cleaning houses, you know that you can only charge the amount that the market will bear. If you charge too much, you will be out of work. But if you charge too little, you won’t make enough to compensate you for your time. You must be able to make at least the current federal minimum wage per hour, or you may as well look for other work. This job can help you realize debt relief, but you must be able to make enough for it to work.

You must also factor in where you will be doing the laundry. If you are taking the client’s laundry to a Laundromat, then you must either require that your client give you the required amount it takes to do laundry, preferably in quarters, or charge the client extra per hour. This way, you will be compensated fairly. If, however, you are doing laundry at your client’s home, then you may want to charge a little less per hour to make up for the difference.

Where to Find Clients

This is always a big issue. Whether you are a large business or just starting out, finding customers or clients is paramount to your success. The best place to start finding clients is to post fliers right in the Laundromat. This is where the majority of your market will be who may need or want your services. Still, this is only a small portion of your market. This is why you also need to post an ad in the local newspapers and on local email lists. If you are involved with any local groups, mention that you are looking for laundry clients. There are many ways to find clients, and you do not need to be limited by these suggestions. Use your imagination, and I am sure you will be able to find clients in no time!

Terms and Policies

You will need to develop your own terms and policies that will fit you and your preferences. But whatever you develop, they must be legal and they must protect you and your client. Be sure to have some sort of release that your client signs that basically says that, should something happen through the normal course of doing their laundry, that you are not liable and are exempt from lawsuits, something like that.

Create what works for you and your business. You may thank me later on down the road, should someone decide that you ruined their favorite pair of $100 pants.

Grow…or Not

Once you have plenty of clients, and you are making a decent income, you will need to decide if you want to grow your service into a business and hire employees, or if you want to stay small and do this as a job. There are several advantages to each side, and you should research and evaluate this next step carefully. Take some time to really decide if you want to have the pressures and added responsibilities, along with the extra cash, that comes with a business. By this time, you may have already received debt relief, but you may want more. It’s really your call. Either way, this is a great first step towards financial independence. Good luck!

Ever wonder how you can rack up such a huge credit card debt so fast? Many people tend to use their credit cards at grocery stores, mostly buying convenience foods. Why the lure of these items? Why is it that people would rather spend money on pre-made convenience foods that they could make for themselves for a fraction of the cost? For one reason, these foods make a hectic life a little easier. Many baking mixes, for example, brag on their packaging, “Just add water,” while other mixes, such as stuffing, say, “Ready in 5 minutes.” Is the lure of these foods so great that we would willingly go into debt just to shave off a few extra minutes of cooking time?

The pull of these products is mainly due to advertising. When you see a commercial for a popular pancake mix—you know the one where the mom is shaking up the mix and water in the container—what is that message telling you? That it’s easier to buy their products versus putting an extra three minutes of making it yourself. The truth of the matter is, if you were to buy the ingredients and blend them yourself, you would get a better tasting, cheaper product than you could buy on the shelf—and for pennies.

Healthier and Cheaper Alternatives

Staying on the pancake mix idea, you could blend the dry ingredients, using whatever flour you want, such as whole wheat or grain versus the highly refined flour used in the commercial mixes, and store them in food storage bags until you are ready for it. Then, when you want to make pancakes, you would simply place the desired amount of your homemade mix in a bowl and add in your wet ingredients. It’s pretty much the same process you would go through with the commercially made mixes.

Not only are these homemade mixes cheaper, they can potentially be healthier for you. It really depends on the ingredients you use. Instead of using refined flour and sugar, you can use a whole grain flour and Stevia or Xylitol. Or, save the sweetener for when you actually mix your wet ingredients in, especially if you want to use honey or molasses instead of a dry sweetener.

By making your own mixes, you know exactly what is going in your food versus the commercially prepared mixes. But the best part of making your own mixes is that they come out to cost 10 times less than the store-bought counterparts. Say a box of pancake mix costs $2.79 and you can only get one batch out of the box. That’s an expensive batch of pancakes. Now, let’s say that you can get an entire bag of flour for that much, and you only use 2 cups. This option is much less expensive, saving your credit cards for more pressing emergencies.

There are other homemade convenience foods that you can create, such as cake mixes, pudding mixes, syrups, sweetened condensed milk, and so much more. There are no limits to how many convenience foods you can make at home. The key is to figure out what your favorite convenience food has in it, and start experimenting. Or, you could just search the internet for recipes to get you started. The sky’s the limit!

Control What You Eat…For Less

When you make your own homemade convenience foods, you are able to control what you are eating, for much less money, and you save how much you are spending on your credit cards. Because if you can create your own mixes, you can begin living within your budget and relying on your credit cards less. While saving on your credit cards, you can also save on your waistline. By creating your own homemade convenience foods, you can put in healthier ingredients, which when used, you can then begin to bring your body’s health into balance. When everything is balanced, you will then begin to lose weight. It’s all part of the process—you start living frugally, and you lose weight in the process! How cool is that?

Commercialism is everywhere, and one can’t seem to survive without being expected to run up credit card debt. It’s the “gotta have it now” syndrome, and it is ruining your health. Think you are immune to this syndrome? Let me ask you: do you have at least one credit card? Are you depending on payday loans to get you through the month each month? Well, I am afraid to tell you—you have the syndrome and it is going to eventually wear you down due to lack of sleep and an abundance of worry about your finances. Following are budget busters that will ruin your credit every single time.

What are budget busters? These are the things that are advertised on every single television and radio station…on every single website…and in every single magazine. It’s those items that are “hot”, “new”, and “different”. Those items that you see everyone buying these days without understanding why they would buy them, and how they can afford them. Things such as Blackberries, 3G cell phones, or the latest television technology. You know the type—hot one day, and in the trash the next. But these “gotta have it now” items are what makes you throw caution to the wind and create huge credit card debts. These are the items I call “Budget Busters”, because they bust your budget in a big way. Some examples of these budget busters…

Real Estate

Investing in real estate is a good thing if you do it correctly, but unfortunately, not many people do it correctly. Have you ever watched some of the real estate buying shows on HGTV? If you have, then you know what I am talking about. Many of those people on the shows appear to be very greedy—they want all of their wishes to be met, and if even one thing is missing, then they keep searching. Often, their searches lead them to the very top of their budget, and some actually go over their budget just to get every item on their wishlist. Credit cards become the new type of cash for many of these couples.

Examples of this include several young couples, or even single people, who buy three or four bedroom houses with a two car attached garage in an up and coming neighborhood, and you know they are going to be sacrificing a lot just to get this big of a house. Why are they buying such a big house when they are just starting out? Whatever happened to the “starter house” that many young couples bought many years ago? Starter houses were just that—a house to get them started on the path of home ownership, and a way to get their feet wet on learning to make wise real estate decisions. Budget savers would actually go for a starter house that has maybe two bedrooms, and a bathroom, with no garage. This is budget busting at its most extravagant.

Auto

New cars, while they smell great and run great, they depreciate by half in the first year. Buying a new car is the worst budget buster you can make, because you will never be able to get that much money back when you either try to sell it or trade it in for a new vehicle. Buy a used car that is a few years old, and you will save a lot of money this way.

By avoiding these budget busters, you will not only be able to cut out your credit cards, but you will also be able to save money for your future retirement. It’s worth it to settle for less until you are able to get what you want.

In this day of struggling banks, bankrupt car companies and thousands of layoffs, many people seem to be turning to payday loans. But is this a good idea? With so much uncertainty in the financial world today, how do you know that you will be able to pay it back? There are, of course, a few advantages to payday loans. If you are wanting to start a business, getting a loan may help you get over the financial hurdle that you wouldn’t be able to get over otherwise. Or, if you have an emergency come up that usually doesn’t come up, a loan may help you.

Of course, there are criticisms…critics of this type of lending say that the companies who give out these loans are no better than loan sharks or drug dealers. Why? Because of the misconceptions of these loans. They claim that they are only lending to low-income communities and are draining these communities of their assets. They claim that the high interest rates are a bad idea and that no one should even think of getting one of these loans. The problem with these criticisms is that they don’t look at the whole picture—what people really use these loans for, and what the specifics are; nor do they share smart strategies on how to properly use these loans. After reading this article, you will learn how to wisely use payday loans, and how to stay out of trouble financially. You may even get out of trouble financially…it all depends on how you use these loans.

When You Need Payday Loans

There are certain times when you need a little extra money in your pocket and there are no other ways to get the money in time. A list of these situations are outlined below, but are in no means the only times you may need a little extra money. This list is merely an example of those times.

Job Relocation

Providing you still have a job, you may need to move to another area in order to keep your job. Using a payday loan in this situation could help with moving expenses that may not be covered under your employer’s policies. This may range anywhere from gas for your personal vehicle to hotel stays to eating out at restaurants. Getting a loan may help to ease your moving expenses, and can help you from getting into further financial hardship.

Starting a New Business

Or, you may be out of work and thinking that now is the perfect time to start that business you have always dreamed of starting. Getting extra cash may help you realize this dream a little faster.

Job Interview Attire

Have an important job interview coming up? Then you need to make sure you have the proper clothing to help you at least look like you are successful and confident. The right outfit can make your interview be a success and help you get the job you need. Once you have a job, you can pay back your loan.

Catching up on Housing Costs

If you are in danger of losing your house or apartment because you are behind a bit on your rent or mortgage payment, getting a short term loan may help you to not lose your residence. However, be careful not to do this more than once or twice, because this may be a symptom of a bigger problem.

When You Don’t Need Payday Loans

There are several situations where you do not need to get a payday loan, and will cause you a lot of headaches later on. You don’t need to buy the “next big thing”, or the hottest new item on the market. If it is an electronic device, chances are that if you wait for a few years, you will be able to afford it on your regular salary anyway. You also do not need to take out a loan as a means of regular income. Find other ways to make a living—ways that you don’t have to pay back. Also, if you have racked up too many payday loans, you may need to stop and pay them off first before you get a new one. This also leads into the other situation: to pay bills with every single month.

All of these situations say that you are abusing payday loans, and that you need to take a step back to see if you are using them correctly.

The bottom line is that payday loans are designed to be used as a “once in a while” option, and as a way to better your life. They are not to be used and abused as a form of long term income, because you will not get ahead that way. One final word of advice—pay your loan back in full each and every time you get one.

Borrowing is now much more convenient for consumers. It has become literally as easy as 1-2-3 to apply for and secure a payday loan. All that you need to do is fill out a simple online application form and your application could be approved in just a few minutes. And thanks to Direct Deposit, quite possibly the money might be in your account in less than 2 hours. So, no more standing in lines, a payday loan is now just a mouse click away. Apart from the convenience factor, online payday loans are very important from the practicality point of view. After all, in times of urgent need, when you need cash ASAP, the last thing that you would want is to go through is the hassle of completing lengthy paperwork and then waiting for a couple of days before you get the money. Online payday loans effectively address this concern.

Security concerns for online payday loans

As is the case with all great things in life, precaution is always a good idea when applying online for a short term cash advance. Since filling out an online application involves divulging certain personal details, it’s important that you keep security in your mind. The following tips will be handy when you decide to apply for an online payday loan:

• Things to keep in mind while applying for online payday loans
• First thing to know is that any reputed/serious payday lender would attach utmost importance to the customer data protection. Online payday loans are a major source of business for them and so it makes sense for to do so.
• When on the website, review the stated ‘privacy policy’ and the ‘terms of use’ of the payday loan website. Make sure that the manner in which your personal information will be used is stated clearly and to your satisfaction.
• Also, make it a point to read the ‘Frequently Asked Questions’ section of the website. It’s likely that you will find answers to most of your questions in this section.
• If you still have any doubts about that, then contact a customer care representative of the company offering the online payday loans via phone or email and clear your doubts. Any good website will have the contact details of the lender.
• Now when you proceed to the application page, there are a few very important things to look out for. Any information that you divulge on the internet like your passwords for emails, or credit card information for online shopping etc. is susceptible to be stolen by hackers. However use of advanced encryption techniques minimizes this risk to almost zero. One of the latest and most advanced data encryption techniques at the moment is Secure Socket Layer (SSL) encryption at the 128-bit level. So if you see that your website or application page is secured with such a technology (this information should be given in the privacy policy or FAQs) then you can be sure about the safety of your data. You will see this information on the application page of this site.
• Another indicator that your data is encrypted is the change of the ‘http’ in the address bar of your browser to ‘https’ when you proceed to the application page.

All these little things add up to make sure that you have complete peace of mind when applying for online payday loans. So be careful, budget responsibly and make your online payday loan experience a happy experience.

Do you love root beer floats as much as I do? They are creamy, foamy and delicious. What’s not to like? Unless you have a burning hatred for root beer or extreme lactose intolerance (come on, just buy the non-dairy kind of ice cream), I can’t understand somebody not liking root beer floats. I hereby give you permission… as if you needed that from me. Get some cash today (it won’t require online payday loans), get yourself to a store and buy that root beer and ice cream. If you need straws, get some of them, too.

But get this – there are places that will make root beer floats for you! In fact, there are Sonic free root beer floats tonight only, from 8 p.m. to midnight. Get yourself to your nearest Sonic Drive In location this evening and enjoy that creamy goodness FREE of charge. A nice gift during this recession, isn’t it? The floats will be handed out while supplies last

The Houston Business Journal at http://www.bizjournals.com/houston/stories/2009/06/01/daily36.html reports that the Oklahoma-based Sonic Corp. expects to give away more than 3.5 million root beer floats coast-to-coast tonight, which would surpass the number of floats they gave away during a similar event in 2007.

If you feel inspired to have a go on your own

Making your own root beer float isn’t difficult, but there are some nuances to keep in mind. Here’s a great little checklist, courtesy of wikiHow:

1. Fill each glass 3/4 full with root beer. Set the glass on small plates so you can catch the overflow from the fizz.
2. Slowly add one scoop of vanilla ice cream into each glass. Drizzle a small amount of root beer on top of the ice cream. This will turn to foam. Keep pouring until your glass is full.
3. Be careful because the glasses may begin to overflow as the ice cream begins to float. If this happens, keep the foam to a minimum by pouring the root beer first, stirring and waiting for the bubbles to subside before adding the ice cream. Be sure you tilt the glass to the side and slowly pour in the root beer the same way you’d treat beer anytime you pour it.
4. Eat slowly, starting with the cold frozen foam on top, scooping ice cream and root beer together with your spoon.
5. Use the straws to sip the remainder of creamy root beer left in the glass.

Other root beer float tips

• If you are using real glass mugs, try dipping the mug in water and putting it into the freezer for 15 minutes. Then, when you make your floats, you’ll get the classic frosty mug root beer floats! Be sure your mugs can be frozen, however–you don’t want any cracked glasses.
• This can also be done with cola or cream soda instead of root beer. If you use Cola, it would be called a “Coke Float” or a “Black Cow.” Beer has also been used, creating a “Beer Float”. Also try using Orange, Grape, or Strawberry soda for a different twist on the float. If you choose one of these fruity flavors, perhaps try an accompanying ice cream–for orange soda, try orange ice cream. Or mix and match! Try strawberry-flavored soda and chocolate ice cream for Chocolate Strawberry Floats. Yum!
• Another way to serve is to hang a large, well-packed scoop of vanilla ice cream on the edge of a fountain glass or other tall drinking glass. Knock the ice cream into the root beer and watch it fizz up as the ice cream floats.
• Chocolate ice cream is a delicious alternative to vanilla. This would be called a “Brown Cow Float.” Drizzle the top of the float with chocolate syrup and see those chocolate lovers’ eyes light up!
• To avoid cracked glass do not put the mug in the freezer for too long. Also be aware that rapid changes in temperature will break the glass so do not wet it with hot water and move it to the freezer, or try to rapidly warm a mug that is ice cold.
• Though a great summertime treat, floats can also be very messy. Be sure to keep some napkins on hand at all times–especially if children are around! They love to blow bubbles in their floats, making for some sticky little hands.

Get thee to a Sonic for free root beer floats tonight between 8 p.m. and midnight. Go early, as they will probably run out! Of course, with cash today from online payday loans, perhaps they’ll have that extra push to go buy more stock…

Related “Root Beer Rag”:

It’s been a long time coming, but GM plant closings were announced today. There is also a lot of buzz surrounding Brian Deese, the 31-year-old member of the federal auto task force who “finds himself dismantling General Motors and rewriting the rules of American capitalism.,” according to the New York Times.

The GM bankruptcy and its resulting restructuring plan are officially in full swing, and 14 production facilities will stay idle or shut down in the next 18 months as a result. It seems all the online payday loans in the world wouldn’t be enough to keep this company in the black.

GM plant closings hit Michigan hard

Half of the GM plant closings will occur in Michigan, the country’s automaking capital. From the Chicago Tribune:

In Michigan, GM plans to shutter a truck assembly plant in Pontiac by October and close engine and transmission plants next year in Flint, Livonia and Willow Run. A Grand Rapids stamping plant will close this month.

Oakland County’s Orion Township assembly plant will be placed on standby starting in September, and a stamping plant in Pontiac will be idled in December 2010.

Michigan has lost nearly half its manufacturing jobs since they hit a peak in mid-2000, a loss of 438,000 positions. Most of those have been tied to the automotive industry.

Brian Deese has work cut out for him

At the center of the GM bankruptcy, we find an unlikely candidate in Brian Deese. The 31-year-old was attending Yale Law School, but put his schooling on hold to work for the government and now he is helping retool the American auto industry. He was appointed to the auto task force the same day Obama won the election, Nov. 4, 2008, and according to the New York Times:

He has emerged as one of the most influential voices in what may become President Obama’s biggest experiment yet in federal economic intervention.

General Motors plant closings list

Assembly plants

• Orion, Mich., on standby starting in September
• Pontiac, Mich., will close in October
• Spring Hill, Tenn., standby, November
• Wilmington, Del., will close next month

Stamping plants

• Grand Rapids, Mich., closed
• Indianapolis, Ind., will close December 2011
• Mansfield, Ohio, to close June 2010
• Pontiac, Mich, on standby December 2010

Powertrain

• Livonia Engine, Mich., to close June 2010
• Flint North Components, Mich., to close December 2010
• Willow Run Site, Mich., to close December 2010
• Parma Components, Ohio, to close December 2010
• Fredericksburg Components, Va., to close December 2010
• Massena Castings, N.Y., already closed

Warehousing and parts distribution centers

• Boston, Mass., to close in December
• Jacksonville, Fla., to close in December
• Columbus, Ohio, to close in December

CNN Money estimated the GM bankruptcy will eliminate 20,000 employees who directly work for GM and will affect 300,000 dealership employees.

There is a widespread misconception that the need for a payday loan arises out of poor financial planning. The fact remains that the best and the most meticulous of your plans can be undone when faced with tough times. As Mike Tyson once said, “Everybody has a plan, until they get punched in the face.” Of course, this is not to say that you do not need well thought out and long term financial planning. The underlying point here is that payday loans will take the punches for you when all your plans fail.

How to plan your finances

Building and managing your personal finances requires a dedicated effort towards planning. Following are some ways in which you could effectively manage your finances in daily life:

• Look out for the best deals whenever you plan on buying something, be it car insurance, or an iPod. Spending a little extra time and energy on searching for better deals could save you a lot at the end of the day.
• Think twice before you buy anything on credit. Ask yourself if you really need this item now. Maybe putting off this purchase by a couple of months would save you some bucks.
• In case you really need that item urgently, just remember that credit card fees, account overdraft charges and penalties etc. are simply exorbitant and affect your credit score. A payday loan would be handy in such scenarios, knowing that it is cheaper and independent of your credit score.
• Plan a weekly or monthly budget that puts adequate emphasis on saving and then stick to it. Living for the moment doesn’t mean that you lose the long term perspective and start spending thoughtlessly. Even a payday loan does not give you the license to spend recklessly.
• Don’t put all your eggs in the same basket. Branch out your investments, both geographically and qualitatively. E.g. a nice branched out portfolio could include stocks cutting across various industries and domains, real estate, fixed term deposits, 401k savings, bonds etc.
• Do not procrastinate, you are never too young (or too old, for that matter) to start saving. One of the biggest reasons why we are facing the credit crunch is because decades of prosperity and growth have played havoc with our spending habits. We are spending more than we save and hence the result. This must change.

Role of Payday Loans

As I said at the beginning, well planned personal finances are not a sure shot guarantee against recession. In tough times when you need some cash quickly, a payday loan could be your savior. Online payday loans are easy and quick and do not typically require faxing. All you need to do is to fill an online form and your application could be approved in 20 minutes. The money could be yours in as quickly as 2 hours. These faxless payday loans make great sense for many reasons: Firstly they are quick, so you get the money when you need it and not a day after. Secondly, they are cheaper than other options like credit cards and account overdraft. Finally, if you plan a payday loan well, i.e. take only the amount that you need and spend it on things that you need urgently, then you can be sure that your next paycheck will take care of this loan.

So to conclude, proper financial planning and payday loans are together your best chance to come unscathed out of the recession.