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InstaLoan Opens Third Marietta, GA Location

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Opening this additional location in Marietta will allow us to better serve the residents of the community.

Marietta, GA (PRWEB) November 30, 2013

InstaLoan, a subsidiary of TMX Finance, opened another location Marietta, GA on Tuesday, October 15, 2013. Individuals in this area can now get the short-term cash they need with a customized loan by visiting InstaLoan. It is located at 2145 Roswell Road, Suite 10, Marietta, GA 30062 in the East Lake Shopping Center. Hours of operation are Monday – Friday from 9:00 a.m. to 7:00 p.m. and Saturday from 10:00 a.m. to 4:00 p.m. and the store can be reached by calling (678) 996-8998.

“Opening this additional location in Marietta will allow us to better serve the residents of the community,” said Linda McDonald, Vice President of Operations for InstaLoan. “We encourage those who may be in need of instant cash loans to contact the friendly team at our new branch.”

InstaLoan offers a variety of different financial solutions, including: 1st lien loans, signature loans, and personal loans. To secure a short-term cash loan, an individual must have a government-issued ID and proof of income. Some loan products require a vehicle registered in the applicant’s name or loan documentation for the vehicle. Individuals with good, bad, and no credit can be approved for a short-term cash loan with InstaLoan. To learn more about the loan products offered by InstaLoan, visit http://www.instaloan.com.

InstaLoan has more than 60 locations in the Greater Atlanta Area and more than 115 locations throughout Georgia and Florida. Click http://www.instaloan.com/locations to find a location near you.

About InstaLoan

Our history: InstaLoan, a subsidiary of TMX Finance, opened its first location in Macon, GA in 2006 under the EquityAuto Loan brand. Since then the company has grown to over 115 locations in Georgia and Florida.

What we offer: InstaLoan is one of the fastest growing consumer loan companies in the country. InstaLoan offers a variety of short-term lending solutions, including: 1st lien loans, signature loans, and personal loans, to individuals with all types of credit profiles. InstaLoan focuses on providing people with the cash they need by working with them to determine the best type of loan for their situation.


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Should you loan to friends?

Here’s %category%-related post from cash loan – Yahoo News Search Results:

Continue here: Should you loan to friends?

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Man sought in heist of payday-loan store

Published: 11/30/2013

Man sought in heist of payday-loan store

Toledo police are seeking information about the robbery Wednesday of a cash-advance loan business in which an undisclosed amount of cash was taken.

Authorities say a man with a blue-steel handgun entered Pay Day Loans in the 2600 block of Dorr Street at 2:45 p.m., ordered two employees to a restroom, and shut them in. Once he got the cash, he fled with it in an unknown direction, police said.

The man was described as about 6 feet, 1 inch tall and 180 pounds. Anyone with information is asked to call the Crime Stopper program.

[…]

FastMoney San Antonio Payday Loan Center – Serving San Antonio …

Payday loans are brief term financings that are commonly made use of to acquire via a rugged place. There are really couple of circumstances in which these financings in fact finish up being practical.
Just what are Payday Loans?

Payday payday loans are little financings you could make use of when you are briefly out of cash. Many frequently, payday loans are brief term financings (2 weeks or so) for a moderate quantity of cash (a couple of hundred dollars).

If you cannot repay your payday advance loan when it comes due, you could “roll it over” to make sure that the payday loan is prolonged. You do not need to repay it, yet charges keep gathering.
Payday advance loan are occasionally marketed as “no credit history check” financings.

Expenses of Payday Loans
The Customer Alliance of The united state has some wonderful estimations reviewing payday financings to the options. These reveal that you would certainly pay concerning 426 % APR on a payday financing, however paying an APR over 1000 % is not unheard of.
Payday advance Pitfalls

The primary risk with payday financings is their expense. If you’re having economic problems, payday financings could just make points even worse. As a brief term approach– perhaps when or two times in your life, if that– payday financings could obtain you with a rugged spot.

You could obtain on your own in difficulty if points acquire out of hand. Bouncing checks that you compose to the payday financing facility could finish up on your ChexSystems documents and effect in overdraft account fees from your financial institution.

Credit Rating Essentials

You’ll pay much a lot more in passion and costs compared to you ever before obtained in the initial location if you keep extending out payday financings.
Just what Concerning Financial institution Payday Loans?

Financial institutions have actually relocated in to the payday advance loan market, likely in order to make even more earnings. While typical mortgage (financings that you need to get based upon your credit history, earnings, and possessions) can be a much better choice, financial institution payday advance are no much better compared to other payday advance. They might pass a range of names, yet they’re high-risk and still costly.

Payday financings from financial institutions could be also worse compared to the financings you obtain at a payday financing establishment. The financial institution has accessibility to your checking account, and you concur to allow them take funds from your account to pay back the financing.

This does not suggest you ought to never ever utilize a payday advance at the financial institution; making use of among these payday loans is dangerous despite where you get it, and it’s feasible that your financial institution could supply much better terms.

Alternatives to San Antonio Payday Loans

Rather than making use of a payday advance loan, contemplate some options:.

Accumulate an emergency situation money fund in your savings account (in some cases less complicated claimed compared to done).
Construct credit rating so you could obtain from mainstream lending institutions (in small amounts).
Keep an open bank card for emergency situation expenditures.
Obtain a trademark financing (or unsecured payday loan) from your financial institution or cooperative credit union.
Get a part-time task for added money.
Work out a layaway plan with your lending institutions (inquire about financing adjustment).
Look into overdraft account defense prepare for your bank account.
Attempt peer to peer loaning solutions for a much better offer.

Protecting Payday Loans.

The payday advance sector is not bashful concerning protecting itself. They say that payday advance loans can be cheaper compared to bounced check costs and overdraft account security regimens. Additionally, they say that payday advances are the most effective simple and fast means for some folks to obtain cash.

[…]

Merry Christmas Daddy

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A video about what happens when you fall into the payday loan trap…. […]

Money Talks: Funding for Lending and a payday loans cap | Money …

Image The-Bank-of-England-009.jpg

The Bank of England is calling a halt to consumer lending under the Funding for Lending umbrella. Photograph: Andrew Cowie/AFP/Getty Images

Worries that the housing market is gathering too much pace has seen the Bank of England pull the plug on a scheme which gave banks and building societies cheap cash to lend as mortgages. Funding for Lending has led to interest rates on home loans falling to record lows this year, but has also depressed savings rates – and savers themselves. We explain what the Bank’s announcement means for mortgages, savings and the housing market.

A surprise move by the government means that the cost of controversial payday loans will be capped after all – a change of heart welcomed by campaigners. How exactly the cap will be work remains unclear, though, as the regulator looks set to take its time to get the price right. We have a Q&A on what the decision means for borrowers, while our political editor, Patrick Wintour, considers why George Osborne may have decided a cap fits after all. There is also news of a new online credit union offering cheaper loans than payday lenders and some table-topping savings rates.

Sick of rubbish rates on savings accounts? Got some money you can afford to take a punt with? Harriet Meyer looks east and finds some opportunities for investors in Japan, China and Russia. None of them are markets for the faint-hearted, but with the risk there may one day be reward.

Also on the site this week

• Escape to the sun (in your dreams) with our gallery of homes in hot spots.

How do I become … a butcher. Anna Tims on how to make the cut.

Cold weather payments reminder for vulnerable households.

Daft deal

Photograph: simonseyes00 via GuardianWitness

A special offer that is to be sneezed at, spotted on the shelves of the Eccles branch of Morrisons by simonseyes00.

We would love to hear from you if you have seen similar silly offers. Send your pictures to money@guardian.co.uk or via GuardianWitness. The best will be in Saturday’s Guardian Money section.

Real deals

• Tesco Clubcard Credit Card is offering 0% on purchases for 16 months, 0% on balance transfers, and Clubcard points too. Find out more here.

Santander 123 Credit Card is offering a bonus 1% cashback when you shop at Amazon until 31 January 2014, alongside its usual 123 cashback offerings at major supermarkets, department stores, petrol stations and on some rail travel.

That’s all this week.

Hilary Osborne, editor guardian.co.uk/money

Sign up to the Money Talks weekly email for all the latest news and offers

[…]

The real cost of pay day loans | Legalvoice

Law Centre staff have hit out at payday loan companies, with debt spiralling out of control for many families.

Elizabeth Davidson in a two-part article on debt looks at pay day loan companies in this article and, next week, the problems associated with the telephone gateway

More than six months after legal aid was withdrawn from debt matters, the impact is hard to gauge – the lack of funds means nobody knows the extent of misery which could have been ameliorated by legal intervention.

However, Law Centre staff report that debt problems have increased in the last two years.

Laura Robinson, debt caseworker at Cumbria Law Centre, Carlisle, has heard of doorstep lenders targeting families just before Christmas to try to get them to take out a loan for their children’s presents.

She says debt has worsened in the last two years, with a marked increase in the number of people in work turning to payday lenders to pay utility bills.

Robinson, who would like to see payday lenders banned, thinks the solution is to promote credit unions which “charge interest as low as 0.1%, meaning a borrower may pay back £525 on a £500 loan after 12 months”. He adds: “The drawback is that loans are only available to savers, although credit unions will accept savings of as little as £1 per month.”

On a more fundamental level, more education in schools about money and finance might help, according to Robinson, who says: “Most people don’t look at interest rates, they look at weekly payments. A lot of people don’t understand how APR works.”

Payday loan companies often charge interest above 2000% APR.

People frequently take out a second loan to pay off the first, ending in an uncontrollable spiral of repayment, says Robinson, who has seen people paying back loans for 25 years. They are then put under pressure by the lender to repay at unaffordable rates, and come to the law centre for advice when they can’t pay their rent. Unfortunately, Robinson has had to turn all debt matters away since April, when legal aid was removed.

Bruce Bebington, of Lambeth Law Centre, in south London, said particular problems with loan companies included lenders “rolling over loans so that the debtor is left unsure what to pay and when”, debtors being placed under “undue pressure” to repay overdue loans, lenders “ignoring approaches by money advisers in the free advice sector”, and lenders granting loans without checking the loan is affordable.

Lenders also use continuous payment authority (CPA) to get the loan repaid without explaining to the debtor how it will work, he said, and if the CPA fails on settlement day, they use tactics such as “representing it much later and often to empty the debtor’s bank account or put him or her in unauthorised bank overdraft until the debt is paid or many months have passed”.

[…]

The devastating cost of Payday lending and the Christian response …

Link: The devastating cost of Payday lending and the Christian response …

Millennials: All We Want for Christmas is…Cash

Giving cash as a gift used to be considered tacky, but Millennials stuck in a tight economic climate with record levels of student loan debt are saying “show me the green” this holiday season.

A new survey from Upromise, a Sallie Mae company that partners with retailers to give shoppers back money for the purchases they make, reports 94% of Millennials (ages 13 to 30) would like cash in place of gifts this year. What’s more, they say they want to use this money to pay down their debt.

But it’s not just the young adults that want cash.

Fifty-four percent of Gen X parents, ages 31 to 48, say they hope their children receive money for college this year and nearly half (42%) of boomers, ages 49 to 67, would like to give money for college as a gift.

Julia Scott, founder of BargainBabe.com, says the economy is keeping many Millennials on a tight budget this year.

“College students are not only under a ton of pressure, but are very uncertain about their job futures,” Scott says. “A few hundred dollars to spend on Christmas presents is a burden for a lot of them.”

She adds that asking for cash will help shore up their budgets after the heavy shopping season.

“Everyone wants cash–Millennials are just young enough to say that they want it outright,” she says.

For those who feel uncomfortable giving plain old cash, she recommends opting for gift cards. “These are one bubble removed from cash.”

The survey finds one in five millennial shoppers plan to spend less than they did last year with 87% of shopping online and 69% plan to use in-store coupons. ;

Millennials are also the most likely to wait until after the holiday season to celebrate and buy gifts to take advantage of discounts, the report says.
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Follow Kate Rogers on Twitter at @KateRogersNews

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Elmira Savings Bank Declares Cash and Stock Dividend

ELMIRA, NY–(Marketwired – Nov 27, 2013) – The Board of Directors of Elmira Savings Bank (NASDAQ: ESBK) has declared a $0.23 per share cash dividend on their existing common shares outstanding and a 10% stock dividend on their existing common shares outstanding. The cash and stock dividend will be paid on December 27, 2013 to shareholders of record December 9, 2013. The Bank also declared a dividend on their preferred shares outstanding.

“We are pleased to be able to continue our cash dividend, as well as our stock dividend, to reward our many loyal shareholders,” said Thomas M. Carr, President and Chief Operating Officer.

Elmira Savings Bank, with $519.7 million in total assets, is insured by the Federal Deposit Insurance Corporation (FDIC) and is a state-chartered bank with six offices in Chemung County, NY; three offices and a loan center in Tompkins County, NY; two offices in Steuben County, NY; one office in Cayuga County, NY; one office in Schuyler County, NY; a loan center in Cortland County, NY; and a loan center in Broome County, NY.

Except for the historical information contained herein, the matters discussed in this news release are forward-looking statements that involve the risks and uncertainties, including the timely availability and acceptance of Bank products, the impact of competitive products and pricing, the management of growth, and other risks detailed from time to time in the Bank’s publicly available regulatory reports.

FinanceInvestment & Company Information Contact:

For further information contact:

Thomas M. Carr

President & COO

Elmira Savings Bank

333 East Water Street

Elmira, New York 14901

(607) 735-8660

E-Mail:

Email Contact
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