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$25,000 FREE ID Theft Insurance
I have found that repeated requests for credit reports serve to reduce your credit score. Every Day Wealth allows you to shop for credit anonymously, so that you get the best deal by shopping around without hurting your score. They also provide you...
Career Paths For A Comptia A+ Certified Technician
The world is your oyster. Where you decide to take your career after this is entirely up to you. There are some things to consider depending on your geographic location. If you happen to live in or near the larger populated cities, competition for...
Fingerprints - how fingerprints solve crime
Fingerprints - how fingerprints solve crime
Fingerprints are something most people don't spend too much time
thinking about on a daily basis. In fact, unless someone is
trying to remove pesky fingerprints from furniture or mirrors,
it's...
How to manage your most valuable assets - people?
People management and leadership has become a major topic of conversation in today’s market place and have assumed mythical qualities. Managing you people is not that difficult if you are willing to invest one thing in their development; YOU. The...
How to Prevent Identity Theft
The best way to prevent Identity Theft is always to be vigilant. Never assume or take things for granted. Here are examples of some of the steps you can take to protect yourself against Identity Theft: •Buy a shredder – they are readily available...
Identity Theft - Red Flags That May Indicate You're a Victim
You've heard the "buzz" about identity theft, but what exactly
is identity theft? According to Wikipedia, identity theft (or
identity fraud) is the deliberate assumption of another person's
identity, usually to gain access to their finances or...
Infoscams
In this article I am going to talk about those infomercials that are obvious scams. Which ones are they? They are the ones promising you, that by following their system you will make thousands part- time and tens of thousands full-time. Or, they...
Minimize your Risk for Identity Theft
Identity theft is the fastest growing crime in America. According to the Federal Trade Commission, the number of identity theft incidents reached 9.9 million in 2003. These crimes are estimated to have taken the average victim $500 and 30 hours...
The Thief Is In The Mail
29 January 2004 The car doors slam. The wheels screech. The teenagers pilot the speeding car down the pavement into the darkness; a crash is heard. That's when the public service message appears at the bottom of the TV screen: Lock your car. Take...
UNDERSTANDING YOUR LEGAL RIGHTS
Know you legal rights when it comes to dealing with debt collectors, and the credit reporting agencies. You have the right to sue!
The Federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of...
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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.
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