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I caught a fish this big.

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Devilish desires.

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What efforts have the lawmakers and consumer advocates made to regulate emergency cash lenders?

There have been efforts to liberate the payday loans consumers from the exploitation by online loan lenders who burden them with high interest rates. In this some states have banned the whole practice of lending payday loans while others have come up with restrictions from taking these loans. A good example is the ban on members of the armed forces from taking payday loans in the year 2006. In 2009 there was a body which was charged with the formulation of the bipartisan bill which would write rules that would govern the nonbank financial institution. This was later abandoned and recently there have been only campaigns against taking unnecessary payday loans from consumer advocates.

Is there a way to control the high charges imposed by cash loan websites?

This is currently not quite possible since the law in the legislature does not cover payday loans and the laws of usury don't catch online loan lenders since they disguise their high interest rates in the name of service fees. This means that there is little hope for lawmakers to do away with payday loans. On the other hand, lenders are going to make a lucrative lump some from this industry unless there is intervention from the government. With the current Euro zone crisis, more people will go for the payday loans. The efforts put into regulating payday loans therefore remain fruitless as of now. Payday loans consumers should therefore be sensitized on the negatives of taking payday loans and what better alternatives they should look into before committing their next pay check. However, payday loans cannot be ruled out as useless schemes since they may be used as an ambulance to rescue you from a critical financial situation you may be in.

Take some wise advice

Thomas Jefferson stated that "Never spend your money before you have earned it". But many a times you may face such a situation where money becomes the major necessity for the moment and you cannot wait for your next earning. In that extremely emergency purpose payday loan plays the chief role in helping the needy.

In general when a traditional loan is sanctioned the applicant needs to show lots of proper documents to get approval. In case of payday loan scheme the lender provides you cash by verifying a minimal number of documents. They even don't need the previous credit report. It is ideal and most effective since the cash approval procedure does not consume much time and it is the best technique in case of emergency. Moreover for getting short term loan there is online facilities which enable a smooth transaction to have the cash whenever you need them urgently. Online applications are faster to execute and the lender is not needed to be sent all the documents via fax or any other means. Payday loans proves to be the easiest, unique and the most vital short term loan service that is active all the time and supports the people running out of cash.

Every scheme has some pros as well as cons. But when the benefits are huge then the short comings doesn't form to be the matter of consideration. Though a payday loan gives high rate of interest and doesn't provide a loan amount more than £1000, it is highly appreciable as an instant money helper which is more crucial at times. Hence with the features it provides, it's easy application, least time consumption has turned it to be the perfect solution for immediate monetary needs. Payday loan is the strongest hope to prevent disasters in anyone's life; he is facing due to lack of cash.

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EDIT: I wasn’t expecting him to sell out so fast (tbh, I only listed 20), but he’s been RESTOCKED. Thanks for all the love and support! I’m gonna be very busy this weekend, making all them stickers. 🖤

(This design is available as a sticker in my store! Grab him here!) It’s https://www.etsy.com/shop/jasminetwil if the link isn’t working. :) PLUS I HAVE NEW GOOD OMENS STUFF IN STORE NOW. “An Angel who did not so much Fall as Saunter Vaguely Downwards” Eyyy, it’s everybody’s favourite fast-living demon, Crowley! Good Omens on Amazon Prime was so delightful, I finished all 6 eps in two sittings (could’ve been 1, but I started at night lol).

Anyway, have a Crowley in his serpentine form! I tried to emulate a linocut print-style with his wings, not sure how convincing it is though haha. Since it was never mentioned in the books what colour Crowley’s wings were (or Aziraphale’s for that matter), I decided to go with a reddish-orange for contrast reasons, but also as a nod to on-screen Crowley (played by the ever lovely David Tennant), who is ginger! Also I’d like to think that Angels and Demons can change the colour of their wings based on a whim, cause why not? They’re magical beings after all. 👿👼

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A chest dedicated to Odin. It's still needs a coat of sealer.

This project was my first time carving wood with a Dremel. Thought it only fitting that Odin would be the very first thing I carved, since he's always searching for more knowledge and skills.

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Wait for someone who love you differently. One who can see the fire in your soul, and the child in your laugh, and the ocean in your heart.

JmStorm (via quotefeeling)

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I saw a lot of good casting options passing by for the live action already, but guys, we forgot one very important casting option:

I will only

ONLY

accept Nicholas Cage as Toph’s dad.

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(via SimplePayday Payday Loans)

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Slack Wyrm #372

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Are all my powerful ladies handling their pennies and pounds like buffet does?

Are all my powerful ladies handling their pennies and pounds like buffet does?

Working with women in the education field, I’ve heard countless of justifications why they don’t handle their own finances. Most of it is a lifetime of roadblocks that have stood in their way. I’m not referring to budgeting, rather when it comes to making investment decisions and other financial decisions.

Here are a few I’ve heard:

• “Oh, my husband handles all of our finances.” • “I’m not a math…

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Teenagers and Money

It’s true: Kids need to learn about how to manage their money, and teens need to learn how to properly use plastic. When was the last time you counted bills out to a cashier to pay for something? You really expect your teens to function well in a mostly-cashless society without practice with plastic?

So, while teaching teens to manage their money with the help of plastic is probably important,…

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How to Cash a Check Without a Bank Account

How to Cash a Check Without a Bank Account

When I first started working, I had just moved from Pittsburgh to Baltimore and was without a local bank. I had a bank account, it was just for a local Pittsburgh bank (and a credit union back home in New York) and so when I learned that my first check was going to be paper, I needed a solution.

Source

For me, the simplest solution presented itself in the cafeteria of my new workplace – my…

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Count the pennies and avoid a payday loan

Do you have a jar somewhere in your room filled with spare coins? Most of us do.

While it can be a painless way to let cash accrue and save for things like a vacation or debt snow-flaking, turning that change in can be a real pain, especially if you are hit with fees.

That’s not the only annoying aspect of having a tonne of change that you need changing. But you really can save yourself some money in the long-run and avoid having to use online services like payday loans or credit cards, simply by depositing your change into a piggy bank or jar everyday.

Loans online - see here for all info, have a time and a place. But if you can save on the sunny days for the rainy you will be avoiding fees, charges and the responsibility of paying a short term loan back.

As said the fees are a pain. However, there are ways to avoid the fees and the inconvenience of counting and rolling your own change.

1. Check with your bank.

Your bank may have a change counting machine. All you need to do is lug in your change and the bank employee runs it through the machine and gives you your dollar bills back. Before you load up the car with pounds of pennies, make sure you call your bank first. Our bank has a change counting machine at one branch only, so I have to drive a bit to turn in the change. Then, the change machine is often full thanks to restaurants and bars that bring in their change, too, so I always have to call ahead to make sure the change counting machine has been emptied recently. Most credit unions still offer this service as well as a handful of banks.

2. Get gift cards from CoinStar.

CoinStar has little green change counting machines conveniently located at many grocery stores. However, if you opt for cash back, you will get hit with a whopping 9.8% fee, meaning if you cash in $100, you will only walk away with $90.20. However, there is a simple way around this fee–just opt for a gift card instead. CoinStar offers plenty of gift cards including Starbucks, Papa John’s, Cub Foods, Jewel-Osco, Gap, and JC Penney, just to name a few. They have 40 gift cards to choose from. Use them for yourself or save them to buy holiday presents for others. Check CoinStar’s website to determine what locations have the gift cards you would like because not all gift cards are available at all locations.

3. “Sell” your change to a friend.

Have a friend or co-worker who has to use the laundromat or needs to feed parking meters frequently? Why not sell him your quarters? You get paper cash, and he gets change for the washing machine and dryer or meters without having to make a separate trip to the bank. Win-win for both parties.

4. Turn them in to a small business you frequent. 

This may not work for everyone, but if you have a small business you frequent, the business owner may consider taking your rolled change in exchange for paper cash. You would need a good relationship, and the business owner would need to trust you. Also, you will have to take the time to count and package the change, too.

Keeping your spare change can be a good way to save for a long-term goal such as a vacation or money to apply to your debt down payment. While it used to simply be a matter of counting and rolling your coins and taking them to the bank, turning in change is a bit more difficult now, but there are still ways to do it fee free.

Find free checking accounts

A few years ago, during the depths of the credit crisis and new legislation, banks were scrambling for ways to generate more revenue. With there long time friend Mr. Overdraft gone (and the ability to re-order it to increase fee revenue), many experts predicted the death of the free checking account. Now that we’ve exited the credit crisis, was the prediction of the death of free checking accurate?

Nope.

Some banks instituted fees but then offered easy ways to get out of them, which is like not having them in the first place. So where do you need to go to find free checking?

Online Banks

Online banks like Ally Bank, ING Direct (now Capital One 360), and others like them have always offered free checking with no minimums (or $1 minimums). These are usually your best options if you don’t mind not having a local branch. They often refund ATM fees or don’t charge them in the first place (the bank that owns the ATM may charge a fee and the online bank may refund them).

The best part about online banks is that they often pay you interest as well. It won’t be a lot but it’ll be close to their savings account rate because they know you can just move between the two accounts or opt for free overdraft protection. For example, as of April 2013, Ally Bank pays 0.40% APY on balances of less than $15k and 0.75% for balances above that. They pay 0.84% on their savings account – so it’s pretty close.

Reward Checking Accounts

Love high rates but really need a branch you can walk into? Look for a reward checking account. These are checking accounts that offer a higher interest rate when you meet their reward requirements (usually 15 transactions on the debit card, online statements, and other similar requirements). One reward checking account we profiled many years ago is still going strong – Evantage Bank offers a 2.00% APY checking account on balances up to $10,000 with a $1 minimum and just 10 check card transactions a cycle. The days of 5.00% APY may be gone but 2.00% is at least twice what you’d get from major online banks.

Brick & Mortar for DD or Min Requirement

If you really want a national brick and mortar bank, you can often avoid a $5-$15 fee if you maintain a minimum balance or have a direct deposit each statement cycle/month. For example, Bank of America will not charge you a $12 monthly maintenance fee if you maintain an average daily balance above $1500 or make one direct deposit of $250+ each month. Wells Fargo waives their $9 a month fee if you maintain a balance of $1500 or make direct deposits totally $500+.

One “hidden” cost is the loss of interest on that money because those checking accounts don’t pay interest. On $1500, 0.4% is approximately $6 a year. So there may not be a fee but there is a cost associated with it.

Free checking is not dead and, if you compare it to what existed before the crisis, it hasn’t really changed that much despite what the experts predicted.

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»If you can hear this, you’re one of us. If you’re one of us, come find us«

Please don’t edit or reupload.

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