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18 Reasons To Write An E-book And Then Give It Away For F-R-E-E
1. People will visit your web site to get the f.ree valuable information. 2. Advertise your products or services in the e-book. 3. You will become known as an expert on the subject of the e-book. 4. O.ffer the e-book as a f.ree bonus for...
Copycat
When we are dealing with business on the internet, there is only one thing worse than a spammer….A COPYCAT! What is a Copycat? Someone who goes to your web site, hits the select all button, and COPY. Then they paste it in their own web site,...
Financing Your New Or Used Car
If you decide to finance your car, be aware that the financing obtained by the dealer, even if the dealer contacts lenders on your behalf, may not be the best deal you can get. Contact lenders directly. Compare the financing they offer you with...
Get PR Off the Bench
Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at bobkelly@TNI.net. Word count is 895 including guidelines and resource box. Robert A. Kelly ©...
Want This Kind of PR?
PR that really does something positive about the behaviors of those outside audiences that most affect your business, non-profit or association? PR that uses its fundamental premise to deliver external stakeholder behavior change – the...
 
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
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Finance: Leases Leasing Articles from EzineArticles.com
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Finance » Leases Leasing » Absolute Article Directory
Absolute Article Directory: Finance, Leases Leasing.
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Leases Leasing
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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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Projector leasing programs and services. Choose a company.
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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 ...
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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 ...
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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.
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Blue Book retail & trade-in value reports on used vehicles. Kelley features prices on used cars, trucks, street and dirt bikes, ATVs, scooters, ...
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