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How 7 Articles Made Me $4,800...
It's a strategy that the top marketers have been using for years and years now - they even tell us to do it, but most of us are just too lazy! Well, I crawled out of bed and decided to test the strategy and was absolutely blown away! Over the...
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Article submitted by http://www.Allfreelancework.com - 1000s of freelance jobs What should you do if you have no professional examples to place in your portfolio? If you are in a situation where you don't have any professional samples to place into...
PR: What's the Point?
Here’s the point: people act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and...
Seven Ways to Win Friends in Business
Choosing a name for this article was difficult because every one I came up with paled into insignificance beside the greatest title ever devised: "How to Win Friends and Influence People." Dale Carnegie literally wrote the book on networking long...
Understanding Debt Consolidation Loans
Debt consolidation loans can help you with many of your bills and reduce your payment into one low monthly payment. Before you decide to take this step you should learn what the company is offering and what bills can be included in the consolidation...
 
Pay Day Loans - Are They A Crime?

No, but the Consumer Federation of America calls pay day loans legal loan sharking.

It Is A Fee, Not Excessive Interest. Pay day loans are legal in most states because they are charging you a fee, not an excessive interest rate. Excessive interest rates are illegal in most states.

Outrageous Credit. Pay day loans are an outrageous form of credit. For example, let's say you write a personal check for $115 to get $100 for up to 14 days. The $15 fee equates to a 391% annual percentage rate (APR). This APR keeps going up if you extend the “loan” week after week.

Bad Debt vs. Bounced Check. Worst yet, if you are not able to honor your check it is not a bad debt, it’s a bad check with the associated non-sufficient fund (NSF) fees from your bank. Then to top it off, your local district attorney’s office may get involve acting as a collection agency for the bad check you wrote.

What Are The Alternatives To Pay Day Loans?

Loan Shark? “I just need enough cash to tide me over until payday.” Please resist the pay day loan. The pay day loan offer is preying upon your unfortunate circumstances, be it innocent or through your poor choices. Before taking out a pay day loan, ask yourself would you consider going to a loan shark with high interest and the unhappy consequences of not paying them back.

Friends, Family, Community? What can you do? If your unfortunate circumstances are innocent, consider going to your family, friends, church, community organizations or alternative forms of credit for help. If you are making poor choices in regard to money and the options above are not working, here are some


options:

Budget Yourself Before Your Creditors take Your Good Name. Do you have expensive habits that you cannot afford? If times are tight, look where you cut expenses. For example, if you have all the premium stations on cable and you are getting can food for your family at the food bank, what should you do?

Increase Your Income to Match Your Life Style. Look at your job situation. Can you get a raise, get a new job, get a second job, or supplement your income?

Change Your Life Style. If you have an excessive life style, such as drugs or living beyond your means, seek help as things are only going to get worst. Consider a roommate or moving in with relatives. Seek guidance from your church, community organizations, and Government organizations. Your situation may look bleak, but it is not unique. Many people are and have been in your situation, and they changed their lives with just a little help from others.

Consumer Counseling. If you are really ready to make a change in your borrowing habits, there are several reputable organizations that can help you. Visit http://www.easyaccessclub.com/consolidate_debt.html for more tips and featured reputable debt consolidators.

About the Author

Randy McClure is a web site publisher of http://www.EasyAccessClub.com. EasyAccess Club is an eCommerce resource for discount shoppers, small businesses, and churches. We feature discount online store reviews, hundreds of discount stores, e-commerce news, and resources for doing business online. Visit our other sites: Small Business Online - http://biz.easyaccessclub.com and Church Online - http://www.access-jesus.com.

 

Finance - Leases-Leasing Ezine Articles
EzineArticles.com allows ezine or email list publishers to upload or download free expert content that can be used within email newsletters or websites.
ezinearticles.com
 
Finance: Leases Leasing Articles from EzineArticles.com
http://ezinearticles.com/?cat=Finance:Leases-Leasing Free Content For Your Ezine or Website http://creativecommons.org/licenses/by-nc-nd/2.0/ Why use your ...
ezinearticles.com
 
Leases Leasing - Money & Finance Articles
Leases Leasing - Money & Finance Articles. Money & Finance | Accounting & Payroll | Bankruptcy | Business & Loans | Credit Tips | Currency-Trading ...
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Finance » Leases Leasing » Absolute Article Directory
Absolute Article Directory: Finance, Leases Leasing.
www.absolutearticle.com
 
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By David Springer | On January 29, 2006 | In Leases-Leasing | Rated. Short on cash, but need equipment? Consider leasing what you need. ...
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Leases Leasing
You are here: Article Directory arrow Article Directory arrow Finance arrow Leases Leasing ... Leases Leasing. Articles ...
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Long Term Car Rental Italy Auto Rentals Leases Leasing Rome Milan ...
Long Term Car Rental Italy Auto Rentals Leases Leasing Rome Milan Florence One Way Paris London Frankfurt Madrid Lisbon.
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Private Fleet - Finance, Insurance, novated leases, leasing, CHP ...
New Car Broker Australia. Private Fleet sales discounts on your new car purchase, no haggle, no hassle saving $1000s off all new and used cars for private ...
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Projector Leases, Leasing Companies for LCD, DLP, LCOS projectors
Projector leasing programs and services. Choose a company.
www.projectorcentral.com
 
Category: leases-leasing
Category... leases-leasing. Results 1 - 3 of 3. Search took 0.01 seconds. Page 1 of 1. Buy or Lease: Which Automobile Transaction is Better? ...
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John Dellagnese & Associates: offices, officespace, lease, leases ...
It takes two companies to bring you the premier Corporate Property Development group in Northeast Ohio: the talents of John Dellagnese and Associates ...
www.dellagnese.com
 
John Dellagnese & Associates: offices, officespace, lease, leases ...
Welcome to our Tenant Login Page. * Forgot your password or haven't received one yet? Email us tinah@dellagnese.com or call 330-668-4000 and we will reply ...
www.dellagnese.com
 
The-Arts-Magazine.com - Leases-Leasing
Home arrow Article Links arrow Finance arrow Leases-Leasing. Main Menu ... Mosets Tree. Leases-Leasing. Listings. There are 0 listings in this category.
www.the-arts-magazine.com
 
OmegaMotors.com - Your Money - Leases - Leasing Overview
Blue Book retail & trade-in value reports on used vehicles. Kelley features prices on used cars, trucks, street and dirt bikes, ATVs, scooters, ...
www.omegamotors.com
 
Entertainment Guide - Leases-Leasing
Sunday, 03 December 2006, Home arrow Article Resources arrow Finance arrow Leases-Leasing ... Mosets Tree. Leases-Leasing ...
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