Holiday shopping is in full swing. The lines for “Black Friday” were longer than ever and reports have already come out that Americans spent about 24% more money than last year. Competition is fierce among the merchants and the businesses are counting on people to continue to spend their incoming paychecks.
I read an article on cash advance loans today. It made me both laugh and it made me mad. It was one of those overseas payday loan companies writing about the greatness of cash advances. Some of the sentences didn’t quite make sense, but I was still able to get the simplicity of their message. Cash advance loans provide a great easy accessibility for cash to take care of your want list. There may be some who will argue that these loans do not require disclosing what the money is supposed to be used for, and frankly they are … Continue reading
It is a time for giving, a time for joy, a time to reflect on everything we are thankful for; but not a time for a cash advance. Planning for a holiday feast can be quite cumbersome when finances are limited. The heartfelt meaning behind holiday gatherings gets lost in the shuffle of marketing tactics. They want to make a host believe that the feast is not complete without spending crazy amounts of money for one meal. Planning ahead is the best way to make the holiday festivities joyous without … Continue reading
Payday loans help people fix financial problems in order to steer debt away. Sometimes the course taken is successful while other times, the debt drags on. Keeping debt around for too long can make a working budget go weary and many times financially collapse. What is debt? Why do we have it? How can we make it go away? Wikipedia defines debt as – an obligation which is owned by one party (the debtor) to a second party (the creditor). It goes on to explain how it usually refers to … Continue reading
Using an ATM machine may be convenient but have you ever noticed the fees attached when using a machine that is not at or connected to your financial banking institution? When you look at the amount that you pay in ATM fees vs. an online payday loan or cash advance, you will see that you are paying an extreme amount for ATM convenience.
Getting a payday loan to jump start your funds is like getting a jump start for your “not running right now” bank balance. Just like a car battery goes dead, so can our cash flow.
It is a well known fact that many states have set up regulations for payday loan companies to follow. Companies are required to follow these rules which were set up to protect customers from predatory lenders. There are certain lenders who do not fall under these regulations and the online payday loan industry is creating big business opportunities from people stuck with loans which they cannot afford to pay off due to high fees and interest rates. Offshore companies do not have to follow the guidelines set by the state … Continue reading
Americans are fighting with debt and the outlook does not look like it will present itself with instant relief for those people. Jobs are becoming increasingly harder to come by as a greater number of people enter the work force than there are new job openings. During the month of April, mortgage servicers reported that over 63,000 loans, which are backed by the Federal Housing Administration, had foreclosure proceedings started against them. These fallen loans are those that had been funded during 2008 and 2009. It is uncertain whether or not it is a beginning of … Continue reading
We started a new contest on last Monday. Print out a picture of Spot from our Sweepstakes web page and capture a photo of you and Spot doing something fun! So what are your weekend plans? Are you going to take Spot along? Spot loves a good time. Make it unique and fun and be in the running for an Ipad2 or $500 visa card. You will need to upload that photo on the sweepstakes entry form. Pretty simple to do and the prize will make it so well worth a few … Continue reading
We have now started our next contest, “Site Seeing with Spot”! This contest starts today February 13, 2012 and the winner will be announced on March 13, 2012. We will have images of Spot, the Spotya mascot available to print out for you on our Sweepstakes web page. You can take that printed image on a trip or doing something fun and have a picture taken of you doing it with Spot. You will submit that picture of you and Spot through our sweepstakes sign up form. We will accept … Continue reading