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Are the NSF fees, late charges and penalties piling up? If you need to borrow cash quick and with no questions asked, payday loans are the response. Canadian on-line payday loans are available for people who live in Alberta, British Columbia and Ontario and can help you out of a financial mess.
You can borrow around USD 1500 for a loan span of just 7 to 30 days. The interest rate charged is known as the Annual Percentage Rate (APR). The typical interest billed is about 15% to 30% of the amount borrowed. The loan is recovered straight from your own bank account on the date defined through your loan approval. Thus, you don’t need to be concerned about bounced checks or overdraft with same day loans. This also keeps you free from the worry of missing the payment date and attracting late payment fees. If one is not able to settle the amount inside the stipulated loan interval pay day loans, he/she can prolong the date of repayment for a few weeks by paying additional prices.
These loans may be used for debt consolidation reduction, covering medical treatment costs, and emergencies. The most striking advantage of selecting for these loans is the rebate supplied in income tax. Along with the loan, the financial institution supplies the homeowners using an insurance coverage.
This can be an especially good option amongst first time home loans for anyone keen on purchasing a FHA foreclosure house. Beneath this program, down payments as low as $100, little quantity of repair escrow and around $ 2,500 for closing cost assistance is included.
The primary variable which can be pointed out is the small denomination of the outstanding loan. The loan is so little that sometimes they’re also termed as same day cash loans for pupils. The denomination typically never surpasses $300 to $500.
There are definite cons of opting for such loans. The greatest disadvantage to the borrower can function as long-lasting loss of ownership of his property, if he defaults in payment of the EMIs. As the length of the loan is high, the homeowner may face serious issues, when the market value of his house payday loans uk goes on decreasing.
The only real requirements for getting a no fax payday loan are steady employment, monthly salary of at least $1000, valid checking or savings account, be at least 18-years old, and don’t have any outstanding cash advance balances.
payday loan ukgive you the cash you need in a rush. Unlike bank lending and even finding a credit card, they do not ask for a credit check. No matter what your credit history, you can get a Canadian online payday loan. The price to get payday loans is commonly substantially than when you add up late penalties and NSF fees the bank bills you.
Visa designers from all over the world have created one hundred beautiful credit cards for Epos International of Japan. The credit card with chocolate sample is apparently the most delicious one.
If you are facing a pile of outstanding bills and late charges, but see a light at the end of the tunnel along with your next few paychecks, you should consider applying for a Canadian online payday loan so that one may pay off your bills and get a fresh start. Payday loans are hassle free and can actually end up saving you money, along with your credit.
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Did you know that Walt Disney is cryogenically frozen beneath the Pirates of the Caribbean ride in Disneyland, California? Well, no he is not. But myths and falsely spread rumours eventually start sounding true when repeated too often. Especially on the internet, where ‘yes it is’ and ‘no it is not’ debates that are somehow ‘proven with facts’ can make you wonder if you actually are living on Mars!
If you have never applied for a payday loan before, then the chances are, the internet has boggled you too. So should you take a payday loan or is there really a chimpanzee sitting on the other side of the screen trying to get access to your personal information so that he could impersonate you and take over the world? Let’s find out.
Following are the most common myths associated with online payday loans and the truth behind them:
Myth # 1: Online Payday Loans are a Hoax
It takes only a day to get the loan approved and the money transferred into your account. Sounds too good to be true as it is. It is no wonder then that these loans are considered a con. Well, they aren’t. At least not all of them. Sure there are the online spammers that will try to get access to your personal and banking details, but the rest are as real as they come. So as long as you do your research well and find a reliable and trustworthy online lender, it can offer you real time convenience.
Myth # 2: Online Payday Loans Can Cost You a Lot More than What the Lenders Claim
This generally happens when either the borrower fails to read or understand the instructions and the payback time limits by the lender. Every lender charges a specific interest rate which invariably increases if you fail to make the payment on time. Thus, it is suggested that you read the clauses carefully and only opt for payback options that are most suitable to you. One way to avoid this is to apply for payday loans through broker websites as they will offer quotes from a number of lenders that you can compare and select based on your own preferences and comfort.
Myth # 3: Payday Lenders are Not Regulated
Payday lenders are not part time freelancers who will get access to your personal and financial information. Payday loans are as legit as they come and they are regulated by the regulatory bodies and the appropriate agencies.
Myth # 4: You Cannot Get a Payday Loan if You Are Unemployed
The objective of the payday loan is to payback on your next payday, that doesn’t necessarily have to be a regular job. You can get payday loans if you are self employed, freelancing or even unemployed as long as you can provide proof that you have a stable and regular source of monthly income.
These are four of the most common myths about payday loans that have fallen prey to the ‘online experts and critics’. Online payday loans offer the safety net in times of emergencies and cash crunches and can offer the convenience if you apply through reliable payday loan brokers.
address: 3rd Floor, 207 Regent Street, London. W1B 3HH.
Company Number: 07475476.
Credit Consumer Licence: 0642188.
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Writing Clinic #1: Busta’s Payday Loan Rules
by Ali Luke
Welcome to Writing Clinic! This is a weekly series where I choose one post at random from those submitted and give feedback and editorial suggestions. If you’d like to take part, read this post for details.
Note that if your post wasn’t chosen this week and you still want it be considered, you’ll need to resubmit it for next week’s draw.
Today’s post is “5 Rules to Get Out of Your Payday Loan” from Busta of BustaLoan.com. It’s already been published, but I’m assuming Busta will update it in light of my feedback, so I’ll give you the current version of the post here.
How the Post Looks
The Post Text
Here’s the full text of Busta’s post:
Rule #1 to get out of your payday loan
The full time job of your payday loan lender is to keep you in debt! Payday loan lenders are not your friend! PDL collectors have much more experience than you do. They’ve “heard it all” and have a killer reply to every excuse you offer; unless you’ve done your homework. (I can help you with HOMEWORK!)
Rule #2 to get out of your payday loan
Don’t allow the collector to “get inside” your head. Share nothing; zero information. Never use abusive language. This is a game so keep your cool. For the collector, it’s not personal. They’re simply doing their job. Payday loan collectors are generally not the “cream-of-the-crop.” Those who are really good, move up the food chain to mortgages, credit card debt…
Rule #3 to get out of your payday loan
Never, ever give a payday loan lender access to your bank account again. Use Western Union, Money Gram, a money order, a prepaid card… anything but your bank routing and account numbers! NEVER!! And NEVER cash a check you receive from them! More on this later.
Rule #4 to get out of your payday loan
Never volunteer any information to a lender or collector. They already know EVERYTHING about you as a result of your original payday loan application. That means no updates regarding your phone number (get a throw away, prepaid phone at Target, Wal-mart, Radio Shack…), your employment, your address, your new bank account, your new puppy’s name, children’s names…NOTHING!
Rule #5 to get out of your payday loan
Your Job #1 is to “poor mouth” yourself; you have zero money today and zero prospects for tomorrow.
What’s Working Well
As the posts stands, Busta’s doing a lot of things right:
#1: The Title
He has a great title, with a number, the word “rules” (which is powerful – it implies that if you don’t do even one of these things, you’re getting it wrong). The title also contains the word “your”, which helps make a connection with the reader.
#2: The Structure
Busta’s post has a clear structure (though it’s missing a beginning and end, which I’ll come onto in a minute). He’s numbered the points within the post (sounds basic, but bloggers often forget to) and he’s using subheadings.
#3: The Writing Style
The post is well-written: not just free of sloppy mistakes, but also conversational in tone, addressing the reader as “you”. In fact, Busta uses the word “you” 8 times and “your” 17 times … and the word “I” just once.
What Might Need Tweaking
Of course, being a writer and editor, I usually find something to pick on. Here are a few suggested changes for Busta’s post. Do any of these apply to your most recent blog post too?
Suggestion #1: Add an Introduction and Conclusion
As it stands, Busta’s list of rules forms the whole of the post. I’d really like to see an introductory paragraph and a line at the end to round things off.
Why? Because a list presented on its own can come across as a bit abrupt and even not-quite-finished to the reader.
Suggestion #2: Change the Subheadings
All of Busta’s subheadings are almost the same – “Rule #N to get out of your payday loan”. While it’s great to have the subheadings in place, I’d much rather each subheading gave the actual rule, like this:
Rule #1: Payday Loan Lenders Aren’t Your Friends
Rule #2: Don’t Let the Collector Get to You
I think this would also help clarify the rules themselves; in some cases, like in point #2, it’s not 100% clear what the actual rule is.
My impression is that Busta might have chosen to use the very-similar subheadings for SEO reasons. This is a mistake: keyword density isn’t especially important, and you definitely shouldn’t allow your keyword to take priority over writing content that’s useful for readers.
Suggestion #3: Expand on Rule #5
Maybe Busta was running out of steam as he wrote the post (I know that happens to me!) or maybe he just couldn’t think of much to say. Either way, Rule #5 is less than half the length of the other rules, and this makes the post look unbalanced.
(I also think Rule 5 could do with a bit of clarifying. I think Busta’s saying that you need to be tough on yourself, and tell it like it is, but I’m not quite sure.)
Suggestion #4: Change the Link in Rule #1
In Rule #1, Busta has a link with the anchor text “payday loan lenders”. I expected this to go to a blog post on this topic – but actually it goes to his home page.
This leads me to think the link is in there for SEO reasons. If that’s the case, Busta’s worrying about SEO at the expense of creating content that’s super-useful for readers: always a mistake. I’d either take this link out altogether, or create a link to a blog post that offers further information.
The word “HOMEWORK” seemed to be crying out to be a link to another post, or perhaps a landing page for Busta’s newsletter.
Suggestion #5: Use Headers not Bold for Subheadings
HTML code has heading styles, like H1 (used for your post title), H2 (used for first-level subheadings in my post here). In the WordPress visual editor, you can select these using the “Paragraph” dropdown. Depending on your theme, you may find you need to use bold text for sub-subheadings, or you may have an H3 style set up.
Using H2 for subheadings makes them larger and more attractive to readers, and also gives a little more weight to the words in them for SEO purposes.
Suggestion #6: Expand the Whole Post
This is quite a concise post from Busta at 282 words, and I think it would work well at this length and level of depth for an email newsletter. As a blog post, though, Busta might want to consider expanding it – perhaps by adding in links to other resources (on his site or elsewhere) and by quoting from other experts on payday loans to help reinforce his points.
Busta, thanks for being brave enough to submit your post for the very first Writing Clinic. I really like your direct, forthright style, and I hope these suggestions help you and help other DailyBlogTips readers as well.
Do you have a suggestion for Busta, or do you want to point out something you really liked about his post? Let us know in the comments. (Please be polite and constructive with your feedback.)
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What is a payday loan?
A payday loan allows you to quickly borrow cash that you promise to repay when you get your next paycheque or your next social assistance, disability, pension, or other regular income payment.
Who are payday lenders?
Payday lenders are businesses that give loans to people who cannot get a loan from a bank or credit union. They usually charge much higher interest and fees than banks and credit unions.
You can often find them in strip malls and other store-front offices. Some payday lenders offer their services over the Internet. They often have the words “cash” or “money” in their names.
Payday lenders may offer other services too, like buying gold or cashing cheques. However, they cannot force you to use these other services in order to get the loan. They cannot offer you other services while you are in the process of getting a loan from them.
Payday lenders must be licensed. The Ontario Ministry of Consumer Services gives licenses to approved payday lenders. The license must be clearly displayed in the store or on the website.
How does a payday loan work?
Payday loans are loans that you agree to repay in a short time, usually 14 to 28 days, but no more than 62 days. The most money you can borrow in a payday loan in Ontario is $1,500.
Payday lenders cannot ask you for “collateral” or for someone to be your “guarantor”. They usually want proof that you have a regular income, a bank account, and a permanent address. A lender is allowed to call your employer to confirm details of your employment. They are not allowed to contact anyone else about your loan.
What must lenders tell me before I get a payday loan?
Any advertisement containing information about a payday loan must tell you:
The most interest and fees that they can charge you legally for the loan, which is $21 for every $100 you borrow,
How do I repay the loan?
Usually the lender will want your to repay the loan with either a preauthorized debit form, which takes money directly out of your bank account on the agreed date, or a postdated cheque from your regular bank account. You sign the cheque with the date in the future that you expect to have money in your account. The payday lender will cash the cheque on that date.
You can repay a loan at any time before it is due. You still have to pay the interest and fees you agreed to, but the lender cannot charge you extra for repaying the loan early.
Next month, we’ll talk in more detail about payday loans and what to do if you change your mind, can’t repay the loan, or have problems with the payday lender.
Getting legal help ~ Community legal clinics
Printed from CLEO ~ Community Legal Education Ontario: “Consumer Law Series: Payday Loans”
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