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8 On Your Side: Bill could remove payday loan protections


LAS VEGAS – Taking out a payday loan is rarely a good idea. Many companies charge high interest rates, and customers can easily get in a trap where they spend years paying off the loans.

If you get a payday loan, be warned. These companies may soon have more leverage over customers. Nevada law offers consumers some protections from payday loan companies, but that could change.

If Senate Bill 123 passes, it would allow payday loan companies that offer long-term loans to sue customers who default on their loans.

“Somebody can get sued after paying for twelve to fourteen months on this loan, and then get sued at the end for more interest,” said consumer advocate Venicia Considine.

Considine says this can hurt payday loan customers who are already strapped for cash.

“The average income nationally of people who go to payday loan lenders is about $22,400 a year,” she said.

Considine says she feels the current laws obligate lenders to ensure anyone they give money to can pay it back. Senate Bill 123 would change that, and it could keep people trapped in a cycle of debt for a long time.

“It’s a lose-lose for the consumer,” she said.

You can voice your opposition to the bill by contacting your state lawmaker.

If you are in trouble with payday loans, the Legal Aid Center of Southern Nevada can help. Their services are free.

If you have a problem you want investigated, contact 8 On Your Side at 702-650-1907.


Teranga Gold Retires Balance of Loan Facility, Increases Cash Balance and Announces Second Highest Quarterly Production

TORONTO, ONTARIO–(Marketwired – Jan 8, 2015) –

(All amounts are in U.S. dollars unless otherwise stated)

Teranga Gold Corporation (“Teranga” or the “Company”) (TGZ.TO)(TGZ.AX) is pleased to report that it has retired the outstanding balance of its loan facility and increased its cash and cash equivalents balance to $35.7 million during the fourth quarter of 2014. Fourth quarter production totaled 71,278 ounces from its Sabodala Gold Mine in Senegal, putting full-year 2014 production results at 211,823 ounces.

Strengthened Balance Sheet with Retired Loan Facility and Higher Cash Balance

As expected, Teranga retired the outstanding $15.0 million balance of its loan facility (“Facility”) with Macquarie Bank Limited on December 31st. The Company began the year with $60.0 million outstanding under the Facility, of which $30.0 million was repaid on January 15th, 2014 with the completion of the streaming agreement with Franco-Nevada Corporation as part of the acquisition of the Oromin Joint Venture Group Ltd. The balance of $30.0 million was repaid in three quarterly $5.0 million installments, with the final outstanding balance of $15.0 million paid on December 31st. The Company ended the year with $35.7 million in cash and cash equivalents, an increase of $7.7 million over the third quarter cash and cash equivalents balance (including restricted cash).

Strong Quarterly Gold Production

Production was marginally lower than fourth quarter guidance primarily due to slightly lower recovery rates than planned. The fourth quarter saw record quarterly mill throughput of 1,009,038 tonnes milled contributing to the second highest quarterly production of 71,278 ounces. Ore was sourced from both the Sabodala and Masato pits, with soft ore from the recently developed Masato pit contributing to higher throughput rates. Gold production of 71,278 ounces during the fourth quarter of 2014 was 47 percent higher than third quarter production in 2014, and 36 percent higher compared to the same prior year period. Full year production of 211,823 ounces represents the second highest production total in Company history.

Fourth Quarter and Year-End Results Release

The Company will release its 2014 fourth quarter and year-end operating results for ASX listing purposes on Thursday, January 29th, 2015, after market close in Toronto. A conference call and webcast will be hosted following the release with access details to be available on the Company’s website. Full 2014 fourth quarter and year-end financial results are expected to be released during the week of February 16th, 2015.


Teranga is a Canadian-based gold company listed on the Toronto Stock Exchange (TGZ.TO) and Australian Securities Exchange (TGZ.AX). Teranga is principally engaged in the production and sale of gold, as well as related activities such as exploration and mine development.

Teranga’s mission is to create value for all of its stakeholders through responsible mining. Its vision is to explore, discover and develop gold mines in West Africa, in accordance with the highest international standards, and to be a catalyst for sustainable economic, environmental and community development. All of its actions from exploration, through development, operations and closure will be based on the best available techniques.


Getting The Finest Rates On Pay Day Loans – Findsjob

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Have you got an unexpected cost? Do you want a certain amount of help which makes it for your next pay day? You may get a payday loan to get you throughout the up coming few months. It is possible to usually get these personal loans quickly, but first you need to know a lot of things. Below are great tips to help.

It is a great idea to shop around before you decide on the payday loan provider. Different lenders will provide different charges and cost distinct service fees. Should you go for the very first give you acquire, you could possibly wind up spending far more. Shopping around could help you save a great deal of cash.

If the right time is actually a low-concern, turn to that loan using your financial institution, or lending institution prior to thinking of a cash advance. Your own loan via your loan provider generally contains reduce service fees, and interest levels than a very similar personal loan through a payday loan company. As well, the loan might help build-up your general credit rating restrict with the lender, meaning you might have much more versatility in the foreseeable future.

Look out for creditors that may roll around your loan instantly. If the lender fails to bring this up, ensure that you ask! When a personal loan is rolled more than, it indicates that you may be billed a lot more fees, plus more curiosity then you could be prepared for. Do not be reluctant to speak up and ask concerns.

In the event you need to obtain a cash advance, open up a brand new bank account with a bank you don’t generally use. Check with the financial institution for temporary investigations, and employ this bank account to get your pay day loan. Once your personal loan arrives thanks, down payment the amount, you need to repay the borrowed funds in your new bank account. This shields your regular income in the event you can’t pay the loan again by the due date.

Look at online shopping for any payday loan, if you will need to take a single out. There are several web sites that provide them. If you need one particular, you are presently limited on funds, so just why waste gas driving about looking for one that is available? You actually have the option of doing it all from your work desk.

While searching for a payday advance vender, look into whether they can be a straight lender or perhaps indirect loan provider. Primary loan companies are loaning you their particular capitol, whilst an indirect lender is serving as a middleman. The services are probably every bit as good, but an indirect loan company has to get their reduce as well. Which means you spend a better monthly interest.

The best recommendation you will get about payday cash loans is basically that you should not use that kind of loan except when completely needed. It can be relatively simple to have a cash advance by only signing your own name, but some unanticipated scenario may develop before you can pay for it that will create a much more challenging scenario.

Will not be scared to inquire about a deduction or possibly a crack on your loan. Often, buyers who are able to stand by themselves and ask for a greater package can get it. The lender could be ready to give you a deal just to obtain to quit requesting 1.

Know about the misleading prices you happen to be provided. It might appear to become reasonably priced and appropriate to get charged fifteen $ $ $ $ for each one particular-one hundred you acquire, but it really will quickly accumulate. The costs will translate to become about 390 pct in the quantity lent. Know exactly how much you will certainly be required to pay in service fees and curiosity in advance.

In case you are thinking about employing a payday loan support, keep in mind just how the business charges their costs. Frequently the bank loan payment is presented being a smooth volume. Nonetheless, when you determine it as a share amount, it may go over the percentage rate that you will be being charged in your a credit card. A level charge may appear affordable, but may amount to approximately 30% from the original bank loan in some cases.

When possible, discover what amount of a paycheck lender’s clients are recurring organization. Specific facilities rich in patterns of cyclical buyers ought to be seen out for, but also for two motives. It may suggest they are predatory and trapping some folks. On the flip side, it could possibly also suggest they may have excellent rates and wonderful assistance.

Now you must an improved concept of what you could count on coming from a payday advance. Think about it meticulously and try to technique it from a quiet point of view. If you decide that a pay day loan is for you, use the tips in the following paragraphs to assist you browse through the procedure quickly.

Related findjobs topics:

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  5. Las Vegas Nevada Payday Cash Loan Can Certainly Be Difficult


Local woman with warning about payday loan scam

Las Vegas, NV (KTNV) — Most of us need a little extra cash in our pocket from time to time. When funds are low, some turn to a payday loan company. But as one Las Vegas woman recently learned, you’ve got to be careful about who you do business with.

“So it’s just been really, you know, I’m having a hard time, says Sandra Pickens.

She says money is tight. She’s been out of work for the last 9 months. To cover her expenses, Sandra says she applied for a payday loan.

“Just did a Google search you know, put in a general application,” says Sandra.

Sandra says she applied through an unknown service, that sent her application to a number of loan providers. Shortly after, she got a call from someone claiming to be a lender.

“I couldn’t understand what he was saying. I’m like, excuse me. What do I need to do? Who are you calling from?” says Sandra.

The person told Sandra she was approved for a $2,000 loan. But before getting the money, Sandra was told she’d have to pay an up front fee of $200.

“He’s like, well we need you to go purchase a prepaid card, like Green Dot, and put $200 on the card and then call us back,” says Sandra.

She says the request raised a red flag. Not only did she feel uncomfortable sending money, but she explained, she didn’t have $200.

“He was like can’t you go borrow it from your friends and family? And I’m like if I could, I wouldn’t be borrowing it from you,” says Sandra.

That’s when Sandra hung up and decided to reach out to Contact 13. She wants to make sure others know who they’re applying with, when looking for a payday loan.

“He had all my personal information. My date of birth, my social, where I live… I’m just glad I got the sense, to, I’m not sending them any money,” says Sandra.

So here’s the contact 13 bottom line. The Federal Trade Commission says, if you’re told to pay a fee in advance for a loan, then it’s a scam. Never send money to someone you don’t know, with a prepaid credit card or through a wire service.

Once that money is sent, it’s gone for good.

If you feel you’ve been the target of a scam, remember, we’ve got your back Southern Nevada. Contact us at For Contact 13, I’m Tricia Kean.


Federal Judge Rules Against AMG Payday Lending Operation

U.S. District Judge Gloria M. Navarro in Nevada has ruled that Kansas-based payday lending operation AMG Services intentionally deceived borrowers about the cost of their loans. AMG and some of its affiliated companies that had ties to American Indian tribes were found to have inflated fees and failed to disclose charges.

The inflated fees left borrowers with debts higher than the original amount they borrowed, Navarro said. In her May 28 decision, she wrote that employees of the lending firms “were instructed to conceal how the repayment plans worked in order to keep potential borrowers in the dark.”

The Federal Trade Commission (FTC) filed charges against the companies in April 2012, accusing them of failing to disclose loan terms and of improperly requiring customers to preauthorize electronic payments before they received a loan. AMG and affiliates used deceptive documentation for at least 5 million loans, the FTC reported. Last July, the companies reached a partial settlement with the agency on several issues. Under this settlement, the lenders were prohibited from using threats of arrest to collect loan payments and were banned from requiring advance bank account withdrawals. Navarro ruled in March that the lenders’ tribal affiliations did not exclude them from the FTC’s jurisdiction.


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Idaho payday lenders lead nation in highest loan interest | Local …

SALT LAKE CITY (AP) – Idaho, Nevada and Utah have among the nation’s highest interest rates for payday loans, according to a report.

The study, released this week by the Pew Charitable Trusts, found their rates are so high mainly because they’re among only seven states that impose no legal limits on them.

Idaho payday lenders charge an average 582 percent annual interest on their loans to lead the nation, The Salt Lake Tribune reported.

That’s followed by South Dakota and Wisconsin, both 574 percent; Nevada, 521 percent; Delaware, 517 percent; and Utah, 474 percent.

Among states with storefront payday lenders, the lowest average interest charged is Colorado at 129 percent, which matches its legal limit. The next lowest are Oregon at 156 percent and Maine at 217 percent.

Fifteen states either ban payday loans or cap interest rates at 36 percent. None of them has any storefront lenders.

Without a limit on interest rates, competition among lenders does not tend to lower rates much, according to the research.

Representatives of the Alexandria, Va.,-based Community Financial Services Association of America did not immediately respond to requests for comment Sunday.

The study also found the nation’s four largest payday loan companies charge similar rates to each other within any given state, usually at the maximum allowed by law. States with higher limits have more stores, but the rates remain higher and competition does not lower them much.

“This new research shows that payday loan markets are not competitive,” Nick Bourke, project director for Pew, told The Tribune

The study urges states to limit payments to “an affordable percentage of a borrower’s periodic income,” saying monthly payments above 5 percent of gross monthly income are unaffordable.

On average, a payday loan takes 36 percent of a person’s pre-tax paycheck, Bourke said.

“Customers simply cannot afford to pay that back and still afford their other financial obligations,” he said. “This is why you see people ending up borrowing the loans over and over again.”


Information from: The Salt Lake Tribune


Payday loans asheville nc | Payday Loan and Cash Advance!

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This entry was posted in Uncategorized on March 14, 2014 by . […]

4 Possible Reasons To Take A Payday Loan | Dorm Room Biz

Image 35a39e1d5ab8105550f466027d6036cb

The Great Recession has left many would be borrowers out in the cold. Bankers are using the continuing difficulties of the world economy to justify holding back loans from the working class and poor people who need them the most.

However, the payday loans industry has begun to take over this niche of borrowers with great success. The added flexibility that borrowers gain with payday loans companies often allows them the leverage to get back on their financial feet more quickly than doing business with a traditional bank would allow.

Below are a few reasons that you might want to consider Nevada payday loans for yourself.

One – If you are an adult who is looking for continuing education funds

One of the best uses of payday loans is to invest in a continuing education. Often, banks will not help you foot the bill of a continuing education program, but payday loans companies are very familiar with this practice. If you can improve your income for the long term future with a short term loan, most likely it is a great investment to take.

Two – If you have a house improvement to make

Another great use for payday loan funds is to invest in real estate. Because improvements on real estate tend to retain and even improve their value, you have a great chance of coming out ahead on this transaction in the long term as well.

Three – If you have a medical emergency

Medical emergencies can not wait, and neither can the payment for doctors. If your medical situation is such that you need immediate treatment that can only be provided once payment has been secured, it is often best to get a payday loan for a faster turnaround time.

Traditional banks are notoriously slow when it comes to quick money for medical procedures. They are extremely slow when compared to payday loans lenders.

Four – If you have a bill that needs to be paid immediately

Often, the late fees and penalties that you will pay on a bill such as a utility that is late is not worth waiting for a paycheck. Simply pay the bill off upfront with a payday loan, and pay the loaning company back a few days later when you get your check.

About Chris

Chris is the founder of Dorm Room Biz which started in 2005. At the time, there were no resources for starting a business while in college, so he created one! Now with more than 800 articles, Dorm Room Biz continues to grow and expand it’s content offerings. Chris is now 28, lives in Colorado with his wife and runs 2 online businesses while also working full time. A busy guy for sure!

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