Republicans accuse Elizabeth Warren of having a “radical pro-consumer” agenda. (Photo Credit: CC BY-ND/David Quintana/Lost in the Ozone)

CNBC reports that the White House is struggling to fill the director’s chair for both the Consumer Financial Protection Bureau and the Office of Financial Research. Harvard professor and Obama adviser Elizabeth Warren may not have the stranglehold on the former, as was once thought, while multiple candidates for the latter position have balked at the prospect of six years of political infighting. Without clear leadership, both organizations will at best be all sound and fury, signifying nothing but the status quo for financially bruised consumers.

Fighting for political turf turns off OFR, CFPB candidates

The Office of Financial Research, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act, will be charged with improving the quality of financial data available to policymakers, such as information regarding credit cards, cash advances and the payday cash advance industry.

However, if the White House fails to fill the leadership chair, the OFR will never reach its potential. Such high-profile candidates as Yale economist Robert Shiller (of Case-Shiller Home Price Index) have excused themselves from White House consideration because they think the six-year commitment and Washington war games aren’t worth the hassle.

An anonymous source close to the appointment process told CNBC that the OFR post requires a very particular type.

The position “needs a tough-guy-like attorney” who isn’t afraid of dogfights, said the source.

Check your radical pro-consumer agenda at the door

Republican critics of Elizabeth Warren claim that she’d be inappropriate for the office of Consumer Financial Protection Bureau director because of a “radical pro-consumer agenda” that would drown every consumer finance industry from credit card companies to payday cash advance lenders in penalty fees. Even though Prof. Warren is very close to the appointment process – President Obama has put her in charge of the search – Republicans and now even some Democrats and Independents are uncertain that Warren’s appointment would be confirmed.

Republican Sen. Judd Gregg of New Hampshire told ABC News that even considering Elizabeth Warren for the Consumer Financial Protection Bureau position is “a terrible adulteration of the process.” Such big-budget power (estimated as high as $500 million) in the hands of an appointee that can operate outside the bounds of Congressional oversight is unacceptable, said Gregg.

“My concern is that she would use the agency for the purposes of promoting social justice versus for the purposes of promoting better credit and having a stronger financial system,” said Gregg.

Enter Richard Shelby

Senate Republican Richard Shelby, the senior GOP member of the Senate banking committee, is considered the top Republican choice to head the Consumer Financial Protection Bureau. According to ABC News, Shelby vetoed the nomination of Joseph Smith to the Federal Housing Finance Administration and opposed appointing Nobel Prize-winning economist Peter Diamond to the Federal Reserve board. Clearly, Shelby knows how to oppose Democrat-favored appointees.

Sources

ABC News

CNBC

Credit.com News

‘Consumers need a cop on the beat’

Need help staying in the green this holiday season? A payday cash advance loan can help.

Getting an online payday cash advance is one great option for obtaining quick holiday financing. Many people run out of ideas this time of year on ways to finance their holiday purchases. Don’t be one of these people; there are always options.

A payday cash advance is useful in many ways. These payday loans are an easy, secure way to borrow money without the headache and stress of bank loans or credit cards. You don’t even have to apply for the “store” credit cards that only let you use them at the store you are shopping at.

Payday cash advances are easy and useful

Getting a payday cash advance is both easy and very helpful. You don’t have to wait in lines at the bank, bring in mass amounts of paperwork and wait days for an approval or denial, sometimes even longer, just to get the financing you need. You can get an approval in minutes and a payday cash advance just hours after approval.

Are there any other benefits?

There are many benefits to getting an online payday cash advance — too many to list. But a few of the basic benefits are that they are secure and private, you get the money right away, you can pay back the loan with a few small payments, and you don’t incur huge interest month after month. They are much better than credit cards because you can pay them off faster without the reoccurring monthly interest that seems to never go away.

Get your payday cash advance today

Apply right here today, and you can get your approval in minutes. There are generally no credit checks and no faxing of paperwork, and these loans are really easy to obtain. You can have the funds directly deposited into your checking account, minus the headache of having to run around town. All you need is a computer with Internet access. Apply today and you just might have the money you need before the holidays.

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There is more to Thanksgiving dinner than turkey. (Photo: richcianci/Flickr/CC BY-ND)

Every year I struggle with the questions of what to make for Thanksgiving dinner. I either have too many ideas or I can’t come up with enough. So this year I have compiled a list of ideas for Thanksgiving dinner to help others put together their ideas of a perfect dinner, with or without a payday loan.

Thanksgiving dinner menu

Keep in mind that the possibilities are endless. Everyone loves family traditions, but maybe this year you can add a twist. Here are some ideas that might help you plan your own Thanksgiving holiday dinner.

Appetizers and Snacks

• Cheese Balls or logs
• Meat and cheese platters
• Veggie Tray – black and green olives, green beans, pickles, cucumbers, celery and green beans
• Fruit tray – any fresh fruit in season
• Deviled eggs

Sides

• Candied yams or sweet potatoes
• Bread rolls of any type
• Cornbread
• Mashed Potatoes – garlic is a classic
• Corn – on the cob or otherwise
• Stuffing
• Gravy – country, brown, turkey or any other flavor of your choice
• Salad – any type and with any dressing
• Fruit salad

Main course

• Turkey – with or without stuffing
• Ham

Desserts

• Pumpkin pie
• Chocolate cream pie
• Apple pie
• Cherry pie
• Just about any type of fruit pie – whipped cream on top is a delectable option
• Pecan pie
• Mincemeat pie

This could be the start of a good Thanksgiving dinner

You don’t have to make all the items on this list — just pick out the ones that work for you and your family. Don’t do more than you can; the stress certainly isn’t worth it. Thanksgiving can run up a pretty large bill, so if you need a little help to finance your Thanksgiving dinner, you could consider taking out a payday cash advance loan. Above all else, remember, Thanksgiving is a time of gratitude. Nobody will expect a perfect dinner; people are usually happy with just the effort put into it.

Black Friday is by far the biggest shopping day in the United States. Some say it is named “Black Friday” because it’s the first day of the year that retail stores get out of the “red” and actually make a profit. I don’t know about you, but I am taking out a payday loan for this year’s Black Friday shopping, and here’s why.

Is a payday loan really good for shopping?

Under normal circumstances, I would never recommend a payday loan to shop, with the exception of Black Friday. Year after year I see people stress over their finances, particularly around this time of year. They make one of a few choices: they either put off bills to do their shopping, incurring late fees and a bad record, they overdraft their bank accounts to buy an on-sale item that may not likely be on sale again, they run up huge credit card bills with reoccurring monthly interest and spend the whole next year paying it off, or they miss out on the savings they could have had on Black Friday and, instead, spend more money than they could have saved. These are the main reasons that I would actually recommend a payday cash advance loan for your Black Friday shopping. When you are all out of options, it may be the best solution for saving money this holiday season.

How do I get a payday loan?

Getting a payday loan is a lot simpler and more secure than most people think. All you have to do is apply right here, and you will have an answer within minutes. Online payday loans are safe and secure, and nobody needs to know you applied. If you have a job, are a U.S. citizen, have a bank account and are 18 or older, you already meet the main requirements. When I took out a payday loan last, not only was I approved in minutes, I had the money directly deposited into my bank account in the same day. They didn’t run my credit, but instead used my work history as a reference. I would recommend these loans to anyone trying to find creative ways to get money for Black Friday. If it can help you save money in the long run, do not hesitate to apply.

Apply for a payday loan online | Start HERE!

Payday advance loans can come in handy. Apply anywhere - online or over the phone! (CC-BY-Business Phone/Picasa)

Are you looking for some fast cash? Believe me; I have been in your shoes. Whether there are bills that are due or unexpected emergencies, we all need a little helping hand from time to time. There are few options for obtaining cash when you need it, and some are less welcome than others. But by simply taking out a payday cash advance loan, you can get the money you need fast without any headache in getting it.

What is a payday cash advance loan?

A payday cash advance loan is quite simple, really. It is money that is lent to you, with interest, that you pay back on your next payday, or over the course of a few paychecks. The money is directly deposited into your checking account, and you can have quick access to the cash you need, sometimes in just a couple hours after approval. You don’t have to mail off anything or go anywhere to make a payment. It is all done in a simple, hassle-free way.

Obtaining your payday cash advance

The processes is both simple and quick. Below you will find some generalizations of what is usually required for these loans and why they serve as a great option for anyone.

Why I choose a payday advance loan

• Typically no credit check
• Confidential and secure
• Easy repayments
• No faxing in paperwork to apply
• Quick approval in minutes
• Money is directly deposited into your checking account
• No waiting for approvals
• No need to visit an actual walk-in store
• No mailing of any personal documents

Qualification

• A bank account
• A steady job
• Over 18 years old
• U.S. resident

If you meet the above qualifications, you are already done with the hardest part of the application for your payday advance loan. These loans are safe, secure and cheaper than bank fees and other late/penalty charges. So don’t wait. Apply for a payday cash advance loan today!

Apply for a payday cash advance loan | Start HERE!

What are payday advance loans?

Payday advance loans are small personal loans you take out from a private lender. They can be paid back in installments, directly from your bank account. They typically are paid off in a few, small payments and can actually help you keep your finances in order. If you have been rejected by banks for credit cards or loans due to credit ratings, this may be the best route to take. You don’t have to stress with a payday advance loan because the lenders typically don’t check your credit.

Requirements for a payday advance loan

There are very few requirements for obtaining one of these loans, and the typical things that get you turned down for credit from a bank do not necessarily apply with payday loans.

The following are generic standard requirements of most payday advance lenders:

• Older than 18
• A U.S. citizen
• Actively employed
• Must have a checking account

Below are surprising facts about payday advance loans:

• Bad credit is accepted
• No credit is OK
• No credit check is performed in most cases
• Applications online are secure and private
• Applications are quick and easy, not lengthy
• You don’t have to fax, mail or send in any documents
• You don’t have to wait days for an approval
• You can get an approval within seconds
• The funds are deposited directly into your bank account
• You don’t have to wait for a check or a debit card in the mail
• Even bankruptcy doesn’t disqualify you

Borrowing money made easy

In essence there is no reason not to take out a payday advance loan if you are in need of some quick cash. Their rates are competitive, their process is easy and simple and approval happens quickly. I ended up trying it myself and was not at all disappointed.

Apply for payday advance loans | Start HERE!

Avoid bigger problems by applying for cash today

When you’re out of cash, scraping by until payday can lead to late fees, derogatory credit reports, anxious days and restless nights. A payday cash advance can resolve all those issues, and help you get back on track with your next paycheck.

Avoid credit-card debt by applying for cash today

With a payday loan, you can’t accidentally overspend the way you can with credit cards. Unlike credit cards, there’s no guess-work and no surprise at the end of the month. With a cash advance, you know right up front how much you owe. You also know exactly when and how your loan will be repaid and how much it will cost.

Avoid payment hassles by applying for cash today

When you get a payday loan, you don’t have to write a check or even remember to pay online. Most online payday loans are paid back in one automatic deduction from your bank account on an agreed date, generally your next payday. You might also qualify for an installment loan that lets you make several smaller payments over a longer period of time. There are even installment loans for bad credit.

Avoid delay by applying for cash today

When you know you’re going to have trouble making it until payday, delaying will only make the situation worse. Apply now to get cash today.

• Bad credit, no credit, bankruptcy OK
• Generally nothing to fax, no standing in line
• No need to leave your home or office
• Private and secure online application
• Quick response — no waiting or wondering
• One short application matches you with the best payday lender
• Funds deposited directly to your account, sometimes in just two hours

Want cash today? Start your application HERE.

After fighting hard for this country, no service man or woman should be at a loss when they need to borrow money. Therefore, Personal Money Market helps this country’s heroes to access military loans fast and easy online. Whether the need is for emergency money, cash until payday or to consolidate bills, a low rate personal loan can help.

The Specifics of Military Loans with Personal Money Market

Personal Money Market is not a lender. Rather, we help match you with a lender within our network that is perfect for your situation. In doing so, you save time in searching for the right place to borrow money. Our application for military loans takes only a few minutes to complete online and the process of pairing you with the right lender takes place almost immediately afterwards. In less than five minutes, you can apply for and be approved to borrow money in amounts up to $1,500. Other benefits of military loans include:

• No credit check
• No application fees
• No faxing required
• Installment loans are available for active or retired military personnel

Your One Stop Shop for Military Loans is Right Here

Though a plethora of payday cash advance lenders offer short-term loans, easy access to a network of fast cash lenders makes Personal Money Market the best one stop shop for military loans. You need cash now, so there is simply no reason to waste valuable time wading through offers for military loans to find the perfect fit now that you’ve found us to do the grunt work for you. After valiantly serving in the armed forces, we don’t believe that you should have to spend hours on the Internet searching for places to borrow money when a serious need arises. Therefore, we exist to do our part to make your life easier. We work hard to match America’s heroes with the right military loans, because we believe it is the least that we can do after everything you’ve done for us.

Start your Military Loans application HERE!

Help for domestic violence may call for a cash advance or a short-term loan. If so, online loans exist to help victims access emergency cash almost immediately. Although this is only a small part of the domestic violence resources readily available to help people flee violent relationships, if fast money is needed, it should be noted that online loans are confidential and can be approved within hours of applying. Whether the personal loan needed is in the form of a loan till payday, a cash advance, or whether a person needs a large amount of money and would benefit from the ease of installment loans, no credit check is needed and no fax loans can be done, which minimizes paper trails.

No credit check loans help keeps emergency cash applications confidential

For those who have yet to make the final decision to leave a violent relationship, being aware of places to find emergency cash is of enormous importance for future domestic violence escape plans. It is not uncommon for people living through the pain of domestic violence to also have limited access to or very little control over money. This, of course, is generally the intention of an abuser in order to keep their victim from escaping. However, those in such situations must understand that emergency cash is not only available, but it can be gained confidentially via online loans and even installment loans. No credit check means that persons with bad credit or those who share a credit profile with an abusive spouse can break free from the financial bonds that have shackled them and begin to implement a plan of safety.

The importance of being familiar with domestic violence resources

Other domestic violence resources and services are also available, which do not cost money. Now, more than ever before, technology makes it possible to become familiar with and begin communicating with various programs, including shelters and legal assistance, which are all designed to provide crucial help and protection. Understanding that, for some, leaving an abusive situation takes time and careful planning, the effort in lining up domestic violence resources so that one is familiar with them when the right time to leave comes, is imperative.

Beware when applying for online loans

When applying for online loans, remember that an abuser may have installed software on a home or office computer in order to track a victim’s Internet usage. In order to access domestic violence resources or apply for any number of online loans, it may be necessary to do so from a public computer, such as those that are made available at public libraries. Or victims may want to consider doing so from a friend or family member’s computer, if possible. In many cases, applications for emergency cash can also be taken by phone. Although cash advance loans can be obtained without faxing and even without a credit check to alert an abuser, there are other ways for a person’s intentions to be discovered, so it is important to carefully consider ways of safely getting a cash advance online or accessing other services without being detected.

There are times when online loans make the best sense

Often, due to embarrassment or a person having been isolated from loved ones, it is not easy to reach out to others in search of the emergency cash needed for one to make an escape. Aside from this, the fact is that many who would like to help simply cannot afford to loan money on the spur of the moment. In some other cases, individuals may be fearful of becoming involved in domestic disputes and may refuse a loan to someone when they need it the most. Whatever the reasons may be, which prevent a person from getting money fast when it is most needed, online loans are very sensible options to consider.

Emergency cash may mean the difference between life and death

When many see advertisements for installment loans no credit check needed, they may think that people who apply for such are simply poor financial managers. However, for millions of people living in abusive relationships and with a serious need for domestic violence help, a loan till payday or an installment loan is precisely what they need to escape. Literally, emergency cash provided through installment loans or payday loans can make the difference between life and death. If you or someone you know is in a situation of domestic violence, you are urged to call the national domestic violence help line at: 1−800−799−SAFE (7233) and always keep in mind that payday cash advance loans are available when you need them most.

Apply for Fast Money HERE!

There’s no better time for a no credit check payday loan than when a temporary financial setback strikes at home. With Personal Money Market’s online applications you have a secret weapon that’s timeless, and that can help you through any cash situation. You get even get out of the clink with a bail bond loan in the case you fall into the hands of the law on accident.

No Credit? No Problem!

Worried about less than perfect credit? Don’t, because with Personal Money Market your credit score doesn’t matter. In today’s economy a living wage is hard to find according to writer Betsy Z. Russell from the Spokesman review newspaper. Betsy states, “Any one lucky enough to find a job in 2008 likely ended up with one that doesn’t pay enough to support a family”. Today we all struggle to make ends meet, so it’s a blessing that payday loans and installment loans for people with bad credit can be a potential opportunity.

Completely Online Without the Hassle of a Fax Machine

Online payday loans are a great resource for all Americans. With Personal Money Market the process is safe, quick, and easy. Let’s face it, not all people have a fax machine at their beck and call, but getting a no credit check payday loan through Personal Money Market is easy because there’s no faxing and it’s completely online. With the economic conditions getting worse, you can feel secure that you can have cash advance that you need in the bank. Personal Money Market is a free online service that can help you get the no credit check payday loan that you need through one of its many reputable lenders and in most cases, in as little as two hours!

Reasons Why No Credit Check Payday Loans Can Help You

Not convinced? Well listen to a few compelling reasons to say yes!

1. Payday loans save your credit score from late payments.
2. Payday loans can help you avoid overdraft fees from you bank.
3. Payday loans can lower overall family financial stress.

I could go on and on about the benefits of an online payday loan, but you won’t know unless you try it out yourself. So check out the easy online application. It’s Safe and confidential. Your no credit check payday cash advance is waiting, just click Apply Now! and you’ll be on your way to financial freedom.

Start Your No Credit Check Application Here!

Money is tight, but there are lots of simple things you can do to free up some extra cash. In fact, making just a few minor changes to your spending routines could mean you’ll never have to get a payday cash advance again.

Make off-season purchases

You can save lots of money if you plan ahead for seasonal purchases. Buy air conditioners in January, winter coats in May, and swimsuits in July and August.

Eat what’s in season

Produce costs more when it’s out of season in your locale and shipped a long distance. For a list of what’s in season, go to fruitsandveggiesmorematters.org and click on the Planning and Shopping tab. Organic produce costs more than the conventional kind. Cut your toxin intake by choosing organic on the most chemically-laden produce (apples, lettuce) and conventional on the cleanest (kiwi, tomatoes). To figure out which produce to buy organic, and which conventionally-grown fruits and vegetables are okay if organic isn’t available, go to foodnews.org.

Shop once a week

When you stop by the store to pick up just one or two items, you usually end up making a few unplanned purchases as well. The more trips you make to the store, the more frequently you will make impulse purchases. Try making a shopping list and making just one planned trip to the store each week.

Stretch time between hair appointments

Add a couple weeks to the time between hair-coloring appointments by using over-the-counter products from the drugstore to touch up the roots.

Cut down on dry cleaning

Many clothes with labels that recommend dry cleaning can be washed by hand in cold water or on a gentle machine cycle with cold water. For example, linens can be washed in the machine and most sweaters can be washed by hand (including cashmere and camel hair). Most silks are hand washable too.  Even so, some deeply saturated and bold colors should be dry-cleaned.

Stop the water-bottle madness

Stop drinking bottled water and instead buy a filter for your kitchen faucet. For the most part, the water you’re paying for in those little bottles is nothing but filtered tap water.

Support your local shoe repair shop

Shoe repair shops are recession-proof

Rather than spend your extra cash to buy a new pair of good shoes each season, repair the shoes your already own. Your local shoe-repair shop will charge just a few dollars to fix worn-out heels on women’s shoes, and men can extend the life of dress shoes by replacing the heels and soles.

Spend less money commuting

If your employer has a transportation reimbursement account, you may be able to get a tax break by paying your monthly parking fees or public transit with pretax dollars, so sign up. Or cut your commute costs in half by carpooling to work with a colleague. If you don’t know anyone to carpool with, check out some carpool-matching sites like carpoolworld.com or erideshare.com.

Get fit on your way to work

You might be pleasantly surprised at how convenient it can be to take a public bus to work. And why not cycle to work when the weather permits, instead of spending time and money at the health club?

More money-saving ideas

Find more ways to save cash until payday by reading Cut Your Spending | Part II and Cut Your Spending | Part III