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Cash Loans: The Good, the Bad, and the Debt-Free
Happiness is what they're selling. Relief from the crushing weight of that gigantic rock we're all forced to carry called 'financial burden.' It's heavy and cumbersome, and the very thought of unloading it for a short time is so tempting, that some of us find it easy to throw caution to the wind and apply for the quick cash loans these small payday advance lenders offer. Why not? The cops towed your car off, and you need eighty bucks to pay off the ticket. You can't work without your car. You don't have the money to get your car. You don't get paid until next week. A cash advance seems like the logical solution. They don't even look at your credit history. They just want to see a paycheck stub and a bank account. How easy is that? Then there's that thing you've been wanting to buy...it's only a few bucks more, so you may as well make it a hundred instead of eighty dollars. Oh, and your kid has been begging for that game. Another twenty won't make a difference. The excuses for more will keep adding up, and here's this company ready and waiting to hand you a wad of cash. Cold hard cash. The kind that's easy to spend, because it's in your pocket (burning a hole) instead of in the bank (waiting for bills). Why not? Because if you don't have the money you need saved in the bank, it shows you have a hard time controlling your spending habits, and you're probably going to have a hard time paying off cash loans. This means a new set of weekly fees that you hadn't planned. Before you're through, you'll end up spending much more than you borrowed just in interest and late fees. Stop the mad cycle of easy cash loans and payday advances. You might have no choice but to borrow, but following a few simple steps can help eliminate the painful after-math of a cash advance. Only borrow as much cash as you need This might be one of the hardest parts. When you're applying for a cash loan, and you know you'll be out of diapers before your paycheck comes, it's so tempting to add a few bucks of spending cash to the credit line. Stop yourself right there. Ask yourself a few questions.
Can you wait for the extra money? You probably can. It's nice to have everything you want without waiting for it, but it will save you a lot of money if you just hold off until payday. Will you spend this money immediately? If you want to advance an extra thirty bucks so you'll have enough to for gas on Friday, you should reconsider. If you know for certain that you'll need it, fill your tank on the way home. Don't carry the extra cash in your pocket, because you're likely to spend it on something else. Can you find another way to get by? Most of us are surprised by what we can accomplish when we're strapped for cash. Use only half the soap for laundry loads. Buy the cheap hotdogs for supper tomorrow, and reheat last night's meal for tonight. But don't use credit. Are you really going to spend the money on what you think you're borrowing it for? Cash is hard to hold on to. You know your habits. If you've blown the grocery money at a restaurant before, then don't borrow it. Don't let the late penalties kill you You've followed good sense and only borrowed what you needed. You skimped by on as little as possible, and now your pantry and gas tank are empty. You want to stop at the bank, cash your check, and buy a few things before going to the loan company to take care of your advance. Here's where you'll make your biggest mistake. When you have your paycheck, go straight out and pay off that loan...all of it. The groceries can wait. The movie rentals can wait. Your only concern should be to get out of debt. Most loan companies can cash your check for you. This will make it easier to do all at once. Don't spend a single penny until your debts are satisfied. If you delay your payment, or only pay it partially, you'll start that ugly cycle again, and who knows when it will end, or how much extra you'll spend. Sell all your toys and eat macaroni and cheese for the next two weeks, but settle that loan. Now it's time for discipline You borrowed only what you needed. You paid all your cash loans in full the very day your paycheck came. Now you're debt free and living easy on payday. You even have a few extra bucks in your pocket. Maybe you can afford to buy the gourmet coffee. Just one cup to celebrate. Oh, and a doughnut to go with it. Wrong. Now comes the real work. Now it's time to roll up your sleeves and keep this from ever happening again. You need to restructure your spending habits. You need to stop thinking of those extra dollars as spending cash, and start thinking of them as your safety net. Put the money away. Put it in a different account. Not a checking account, but a savings account. One that you need to actually go to the bank in order to withdraw, because the situation will rise again. You'll have another emergency, and you'll need cash. Your car will get towed again, your water heater will stop working, or you'll get a tooth ache and have to go to the dentist who only accepts payment at the time of service. Here are a few tips to avoid frivolous spending. Cash loans are convenient, and sometimes necessary, but they are not ideal. They are for emergencies, but with some careful planning and healthy spending habits, you can avoid the need for them altogether. Virginia Douglas is a freelance writer for http://www.faxless-payday-loans.net an online website that offers information about fast cash loans and payday advances.
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As Thousands of Taxi Drivers Were Trapped in Loans, Top Officials Counted the Money The New York Times The government profited and looked away as thousands of immigrant taxi drivers in New York were ravaged by exploitative loans. U.S. is stepping up enforcement of delinquent student loans Los Angeles Times The U.S. collected $3.3 billion of delinquent student debt in the first half of this fiscal year. That's up from $2.9 billion in the full year before. College Ave Private Student Loans Review: Rates and Options Student Loan Hero Whether you need an undergraduate, graduate, parent or career loan, College Ave Student Loans has something to offer. But how good are they? Check out the ... Billionaire tells grads he'll pay off their student loans Reuters.com Billionaire Robert F. Smith, this year's commencement speaker at Morehouse College, told the graduating class he's paying off their student loans. Rough Cut ... State treasurer's small business loan program expands New Haven Register PROVIDENCE, R.I. (AP) — Rhode Island Treasurer Seth Magaziner's small business loan program is expanding. Magaziner says his "BankLOCAL" initiative ... Don't Be Tricked By These 3 Student Loan Scams Forbes Beware of these financial scams. Protect your student loans. 'Completely shocked:' Raleigh man describes moment commencement speaker said his loans would be paid for WTVD-TV A Raleigh native attending Morehouse College in Atlanta says he is beyond thrilled to find out that all of his student loans will be paid off by the Class of 2019's ... Billionaire pays off loan debt for hundreds of students CNN Morehouse College seniors got a surprise when billionaire investor Robert F. Smith announced during his commencement speech that he would pay off the ... Your money: Cosigning a student loan? Be prepared to pay Reuters (This May 16 story corrects 10th paragraph to clarify that 96% of cosigns are for undergraduate loans.) FILE PHOTO: Messages and artwork are pictured on the ... Sanders and AOC want to cap credit card interest rates with the Stop Loan Sharks Act Vox.com Cheaper (but scarcer) credit cards and the end of payday loans. When you play the Game of Loans, you pay either way MarketWatch Money and life lessons we learned from 'Game of Thrones' Students and their families need support systems before they're saddled with college debt CNBC State and local governments need to find the resources to help families make smarter financial decisions about college during children's high school years. CFPB Chief Says Education Department Is Blocking Student Loan Oversight NPR The Consumer Financial Protection Bureau's Kathy Kraninger says the department is getting in the way of efforts to police the student loan industry. They Live Here Legally, But The Trump Administration Won’t Give Them Housing Loans BuzzFeed News The government is denying federal housing loans to young immigrants with DACA status, even after Ben Carson said it wasn't happening. Trade Battle Poses Risks for Junk-Loan Machinery The Wall Street Journal The recent escalation of U.S.-China trade tensions is threatening to cut short a nascent recovery in the market for collateralized loan obligations. Student-loan borrowers are using their vacation days to pay off their debt MarketWatch This new employee benefit lets workers trade in their paid time off. One way to tackle the student loan crisis: bankruptcy court The Washington Post Why is student loan debt treated differently than all other consumer debt? How one woman used minimalism to pay off $50,000 in student loans in 2 and half years NBC News By looking at minimalism as a lifestyle instead of a sacrifice, Jennifer Chan paid off $50000 in loans in a few short years. Elizabeth Warren: Let Student Loans Be Discharged In Bankruptcy Forbes Will you be able to discharge your student loans in bankruptcy? Elizabeth Warren hopes so. Here's what you need to know. The Student Borrower Bankruptcy ... Education Department hinders policing of student loans, consumer agency says POLITICO The head of the Consumer Financial Protection Bureau says the Education Department is impeding access to information that regulators need to oversee the ... Pete Buttigieg made $75K on his book deal, but owes much more in student loans, disclosure finds USA TODAY Democratic presidential hopeful Pete Buttigieg has lots of student loan debt and received a $75,000 advance for his political memoir, according to financial ... Loan program milestone: RGV-pioneered franchise reaches 50000 mark Brownsville Herald The Community Loan Center, an employer-based, small-dollar loan program pioneered in Brownsville in 2011 and now franchised around the United States, ... Elizabeth Warren calls Navient ‘scammers’ after student loan giant celebrates making the Fortune 500 MarketWatch The company is facing multiple lawsuits from the CFPB and states attorneys general. U.S. Stepping Up Enforcement on Delinquent Student Loans Bloomberg Your rich Uncle Sam is calling in his chips. The U.S. government stepped up collections on delinquent student debt to $2.9 billion last year -- or an average of ... Thinking of cosigning a student loan for your child? You might regret it CNBC As the cost of college rises, more parents are cosigning private loans for their children's education. That move can leave them on the hook for the debt if their ... What’s Scarier Than Student Loans? Welcome to the World of Subprime Children The New York Times Income share agreements sound like a better deal than today's student loans, but what will they do to society? Malaysia Turns to Property Crowdfunding as Banks Reject Loan Applications Bloomberg Malaysia's government is turning to the wealth of the masses, instead of reticent banks, to help solve a $4.8 billion property overhang. Bernie Sanders: 'Exploitative' payday loans in Wisconsin average 574% annual rate PolitiFact Ramping up his latest push for the White House, Bernie Sanders is taking aim at high interest rates on credit cards and payday loans. The Vermont senator ... Interest-only loan growth: A harbinger for recession? | TheHill The Hill Interest-only loans are on the rise, which has some analysts spooked that the economy is already trending toward a recession. If only it were that easy to foretell ... Federal Student Loan Interest Rates Decrease For New Borrowers In 2019 - 2020 Forbes For the first time in three years, the interest rates on Federal student loans will decrease anywhere from seven to ten percent depending on the loan type. Behind on bills? A new personal loan will help, TransUnion study says USA TODAY One counter-intuitive way to help someone who's fallen behind on bills is to give them another loan, according to a new TransUnion study. Find out if you qualify for a student loan debt forgiveness program KTRK-TV Consumer Reports say there may be relief ahead if you qualify for a student loan forgiveness program. Former Greg County GOP chair admits to using loan documents with forged signatures to obtain $145K KLTV An East Texas businessman admitted to using loan documents with forged signatures in order to get personal and commercial loans for a total of $145000 from ... Parents Owe $89 Billion In Student Loans - Here's What To Do About It Forbes When you think of your golden years, you think of rest, relaxation, travel and the good life. The last thing on your mind: student loans. Yet, for millions of ... New bill links 401(k) matches to student loan payments InvestmentNews A bill that includes a provision to make it easier for companies to contribute to the retirement accounts of employees who are paying down student debt was ... It could become easier for people with student debt to file for bankruptcy CNBC Lawmakers could make it easier for student loan borrowers to cancel their debt in bankruptcy. The bill, which is supported by 14 Democrats, one Republican and ... Top Finance Dem offers bill to help those repaying student loans save for retirement | TheHill The Hill Sen. Ron Wyden (D-Ore.), the top Democrat on the Senate Finance Committee, on Monday introduced a bill aimed at making it easier for those with student loan ... 'Quite remarkable': Consumer watchdog says Department of Education is obstructing student loan oversight Yahoo Finance The Consumer Financial Protection Bureau (CFPB) Director Kathy Kraninger may have been blasted for her bureau's poor oversight of predatory student loan ... Senior citizens saddled with student loan debt KGO-TV Student loans can weigh on recent graduates-- and beyond. Some senior citizens are still saddled with student loan debt. Here's how debt can uniquely affect ... As Solar Loans Start to Dominate, Loan Providers See Increasing Value in Installer Networks Greentech Media News As a result of the ITC stepdown, solar loans will increasingly start to look like regular consumer loans. Household debt hits $13.6 trillion as student loan and credit card delinquencies rise Yahoo Finance Total U.S. household debt is now $993 billion higher than the peak of $12.68 trillion in the third quarter of 2008, according to a new report by the New York Fed. Surging Auto Loans Help Fuel Rise in American Household Debt Yahoo Finance (Bloomberg) -- The auto loan has flourished among American consumers over the last two decades, with its prevalence among the U.S. population rising each of ... Teachers Begin To See Unfair Student Loans Disappear NPR Nearly 2,300 teachers have just had a mountain of student loan debt lifted off their backs, according to previously unreleased figures from the U.S. Department of ... Subprime Bites: Auto-Loan Delinquencies Spike to Q3 2009 Level, Despite Strongest Labor Market in Years WOLF STREET Serious auto-loan delinquencies – 90 days or more past due – jumped to 4.69% of outstanding auto loans and leases in the first quarter of 2019, according to ... Millennials struggle under the burden of student loans CBS News Taylor Smith graduated college with 11 student loans and $53000 in debt. Warren, Nadler introduce bill to allow student loan borrowers bankruptcy relief | TheHill - The Hill Warren, Nadler introduce bill to allow student loan borrowers bankruptcy relief | TheHill The Hill A bipartisan group of lawmakers on Thursday introduced legislation to make bankruptcy relief available for student loan borrowers. Sens. Elizabeth Warren ... How the student loan 'grace period' can actually make your debt problem worse CNBC The student loan “grace period” is a six- to nine-month reprieve from having to pay back your loans that starts from the time you graduate or drop below half-time ... Revisiting small loans rules crucial to maintaining access to credit for vulnerable consumers | TheHill The Hill The truth is that millions of Americans would be worse off without access to small-dollar loans. Starbucks, Mercon announce separate sustainability loans Reuters NEW YORK (Reuters) - Starbucks and Mercon Coffee Group separately announced sustainability-focused loan facilities on Monday, signaling the coffee sector's ... Loan forgiveness program rejects teacher, leaving her with $80,000 in debt CBS News Debbie Baker said her loan provider told her she was on track for forgiveness, but was rejected when she applied. Tesla rolls out employee loan benefit as factory workers cope with unpredictable hours CNBC Tesla has rolled out a new benefit for its workers: employee loans, facilitated through the London-based financial tech start-up Salary Finance, and funded via its ... HELOC: Understanding Home Equity Lines of Credit NerdWallet A home equity line of credit, or HELOC, is a second mortgage that gives you access to cash based on the value of your home. You can draw from a home equity ... To boost equity, give public loans to pot startups The Boston Globe Sonia Chang-Díaz's amendment would move Massachusetts closer to reaching its goal of a truly equitable cannabis industry. Minnesota Senate votes to pay Argosy students for grants, loans lost in closure KMSP-TV (FOX 9) - The Minnesota Senate voted unanimously to pay Argosy University students directly for state grants and loans kept by Argosy when the school ... Elizabeth Warren Wants to Cancel Student Loans. Critics Wonder if That’s the Right Solution. The New York Times While many borrowers welcomed a one-time loan clearance plan, it also raised long-simmering questions about the cost and quality of college. Three French Banks Join R3 Corda Blockchain-Based Loans Platform Cointelegraph British financial software firm Finastra has signed three global banks on its R3 Corda blockchain-based syndicated loans platform, the firm officially announced ... Student loan forgiveness: millennials deserve a break from boomers like me Vox.com Boomers like me who paid off all of our student loans need to give millennials a break. Payday loan complaints reach five-year high BBC News The behaviour of some loan firms is deemed 'unacceptable' by the watchdog, the Financial Ombudsman *Service*. How Do Student Loans Affect Your Credit Score? Student Loan Hero Americans owe more in student loans than they do on credit cards, but how does that debt impact the rest of their financial lives? If the day comes when you want ... Alexandria Ocasio-Cortez and Bernie Sanders Team Up on Bank Legislation The Intercept Alexandria Ocasio-Cortez will announce her first major bill today, in partnership with Vermont Sen. and presidential candidate Bernie Sanders. It's something ... Teachers took grants to work in poorer schools. Thousands got hit with debt. Now, a fix is on the table. Indianapolis Star A federal grant program that was supposed to encourage teachers to work in low-income schools turned into a headache for many recipients when those grants ... Seniors owe billions in student loan debt: "This will follow me to the grave" CBS News "Because of student loans we are literally driving tens of thousands of older Americans into poverty" Colleges need to have skin in the game to tackle student loan debt | TheHill The Hill Colleges should not play the role of subprime mortgage brokers sticking taxpayers with the bill. A better way to provide relief to student loan borrowers Brookings Institution Adam Looney offers a more progressive plan for forgiving student loans that makes income-based repayment universal and provides relief to existing borrowers. Study: Federal loans don't drive up medical and business school tuition Inside Higher Ed Researcher concludes that increase in Grad PLUS loans did not drive up the price of medical and business schools or increase debt burden of those who ... Beware of student loan scams, BBB warns WTVD-TV It's graduation time and for many graduates that will mean it's time to start paying back those student loans. There are several student loan scams to watch out for ... The sabotage of public service student loan forgiveness CNN Tim Kaine and Randi Weingarten write that the bipartisan Public *Service* Loan Forgiveness program offers us an opportunity to do right by public servants and ... Warren's 2020 Presidential Campaign Includes Free College, Student Debt Relief NPR The senator's higher-education proposal for her 2020 presidential run goes further than just free college and would forgive hundreds of billions of dollars in ... CNY college students set to graduate this weekend with thousands in student loan debt CNYcentral.com Thousands of students across Central New York will be graduating this weekend and for many of them, the looming cloud of paying back student loans is ... Jury convicts Chesapeake man of auto loan fraud scheme WTKR News 3 NORFOLK, Va. – A federal jury convicted a Chesapeake man on May 16 for charges of credit union fraudand aggravated identity theft. Court records and ... The government took single mom's $3,063 tax refund to cover her student loans. She's trying to get it back CNBC Tax refunds are a lifeline for many low-income people. For the increasing number of people who've fallen behind on their student loans, however, that relief ... College-Bound Students Could Face $37,400 in Loans Los Angeles Times A 2019 high school graduate can expect to borrow $37400 in pursuit of a bachelor's degree, according to a data analysis by NerdWallet. Loan OK for landfill work expected Bennington Banner POWNAL — The town is moving forward in its efforts to study and remediate an inadequately covered landfill, with loan approval expected this week. The town's ... Michigan student loan debt increases 52% since 2007 The Detroit News Ann Arbor — Going into her junior year at the University of Michigan, Meg Wynne already has $20,000 in debt. "It's scary because you're not always thinking ... ‘There’s no way out:’ After nearly $14K in student loan payments, man owes more than when he started WITI FOX 6 Milwaukee KENOSHA -- Five years after a Kenosha man started paying back his student loan, he owes more than when he started. Cameron Olson owns The Graphics Co. Program to Relieve Student Debt Proves Unforgiving The Wall Street Journal More than a decade after Congress set up a way to erase student debt for people who hold public-*service* jobs, the system is in disarray. Around 73000 people ... Is China the World’s Loan Shark? The New York Times Some say Beijing lends money for infrastructure and development to pressure poor countries with debt. Not so. 'A Loan Shark Situation': MakerDAO Is Leaving Crypto Borrowers With Rising Bills CoinDesk The Takeaway. An ethereum protocol for programmatic lending, MakerDAO emerged as a clear market leader in part for its rock-bottom interest rates of 0.5 ... 401(k) trends: Target funds, auto enroll and fewer loans WTOP Baltimore-based T. Rowe Price's mutual funds are tucked inside many company 401(k) plans, and it notes some encouraging trends: People are tapping their ... Leveraged-Loan Investors Can’t Feign Gullibility Bloomberg A group suing JPMorgan for securities fraud is just trying to change the rules after getting burned. Who's at fault for student-loan defaults? Chicago Booth Review For-profit colleges enroll 10 percent of US students but account for 50 percent of student-loan defaults. And low-income students are hit the hardest. RBI now uses divergence to compel banks to improve their loan-loss ratios The Hindu At least three public sector banks that have reported earnings for the January-March quarter have mentioned 'divergence' in bad loan recognition and have ... AOC gets all Biblical to push payday loan crackdown New York Daily News Alexandria Ocasio-Cortez isn't known for quoting the Bible on Twitter. She's making an exception when it comes to her push against payday loans. The lefty ... Bahrain’s Investcorp hires Citi, JPMorgan for loan refinancing – sources Reuters Bahrain-based alternative investment manager Investcorp has mandated Citi and JPMorgan to coordinate the refinancing of a $400 million loan, sources ... Rubio looks to overhaul how student loans are repaid FOX 13 News, Tampa Bay Senator Marco Rubio knows first-hand there is a crisis when it comes to student loans in the United States. DeFi Upstart Dharma Brokers $6.4 Million in Crypto Loans in First 3 Weeks CoinDesk Crypto loan platforms are booming as ether holders look to mitigate portfolio losses endured during 2018's bear market. Among these decentralized finance ... IMF Agrees to $6 Billion Bailout to Help Pakistan Ease Crisis Bloomberg Pakistan and the International Monetary Fund reached an agreement on a loan of about $6 billion designed to help the South Asian nation avert an economic ... FMBN disburses N23.3bn home renovation loans The Punch gives N56.8m to Lagos State workers Maureen Ihua-Maduenyi The Federal Mortgage Bank of Nigeria has disbursed a total of N23.3bn under its Home R... HMRC makes six loan charge arrests Financial Times The UK tax authority has arrested five men and a woman for promoting fraudulent schemes designed to evade paying the loan charge, in its most serious ... Metro Bank explores sale of loans hit by accounting error Financial Times Metro Bank has drawn up plans to sell more than £1bn worth of loans at the centre of a misreporting scandal that caused its share price to plunge and forced it ... U.S. Student-Loan Program Now Runs Deficit, CBO Estimates Wall Street Journal U.S. officials no longer think the government will make money off the federal student-loan program and now project it will cost taxpayers tens of billions of dollars ... Student loan game show host: 'I'm excited about Senator Warren's plan' Yahoo Finance Student loan game show host Michael Torpey is “excited” about presidential candidate Elizabeth Warren's (D-MA) proposal to cancel a broad swath of American ... Osage business expanding and moving after loan approved Waterloo Cedar Falls Courier OSAGE — The Osage City Council has approved a $10000 Main Street loan so a local business can expand. UK Export Finance loans $325 million for Turksat satellites Airbus is building SpaceNews WASHINGTON — U.K. Export Finance, an agency with a long-standing interest in supporting satellite projects but with little to show for it until now, has signed a ... Ginnie Mae considering changes to VA loan rules as refinances continue to soar HousingWire For more than 18 months, the Department of Housing and Urban Development, Ginnie Mae, and the Department of Veterans Affairs have been investigating ... Consumer Financial Protection Bureau moves to limit home loan data Reveal Want to know which banks target people of color for loans with high interest rates, steep fees or reverse mortgages? Or which banks deny home loans to African ... Bay Area senator touts new bill to reduce student loan interest San José Spotlight In less than two weeks, San Jose State graduate student Mike Casas will walk across the stage — a moment he's dreamt of for years — but the excitement is ... Biting Babies, Jet-Fuel Loans, and Other Inexplicable Controversies That Made Me a Better Pastor ChristianityToday.com For five years I pastored a city church across the street from a seminary with a pluralistic constituency. It had town folk, professors, administrators, blue-collar, and ... Interest-only commercial loans rise to pre-financial crisis level Financial Times Interest-only mortgages are surging in popularity with commercial landlords across the US, fuelling fears of a return to crisis-era loose lending and a spike in ... |
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