Valentines Gifts For Him Under 20.00
In and Out Payday Lending
The saying goes “Time is Money”, which makes sense to me. The more time you spend at work, the more money you make. The more time you spend away from work the more money you don’t make. So things that are time consuming, consume potential earnings. So the question I have is: what do you do with time-consuming endeavors that you engage in to borrow money? When you need some quick cash, the quicker you can get the cash, the better. Today is Valentines Day, and you forgot to get a gift, and you need some money quick. Try getting a loan at the bank and getting your money in just a matter of minutes. It won’t happen. The process to borrow money from a payday lender takes about 10-15 minutes (which includes the application process) and they usually give you cash. You will never find an easier, quicker way to get cash than that. So a payday loan is good option, if you need money, but don’t have all day to spend at the bank. You are in and out and back to work making money, and you got that special someone a great gift for Valentines Day.
Now we can look at the cost of doing a payday loan. Most payday lenders are required to give an annual percentage rate on their loans, which can be a little misleading since no payday lender can charge interest for an entire year. It seems strange that they are required to give an annual percentage rate. You might see an APR of 520%, but only be paying $20.00 in fees on your payday loan of $200.00 until your next payday which is a week away. Let’s look at this $200.00 loan, what if you did not get the loan, and had a check go through your bank account and you did not have the money in it to cover the transaction? Well, your bank will do one of two things; they will either return the check or pay it with an overdraft option. If they return the check they will charge you a NSF fee of $25.00-$35.00. Then the company the check was written to will charge you a bounced check fee of $20.00 or so, and send you to a collection company. If the bank covers the check they will charge you an overdraft fee of $32.00, which most banks would do, and your account would be left with a negative balance. The interesting thing is that banks are not required to give an APR to there NSF or overdraft fees. If they did they would be over 1000.00%.
Here is a common enough scenario. You go out and buy a present for Valentines Day, and it is such a thoughtful gift that you do not let the other person know that you spent that money out of the bank account because it would give away the surprise. Well, your significant other did the same thing and the $100.00 dollars you have in your account will not cover both transactions. After opening your gifts, you quickly realize that you do not have the funds in the account for both checks to clear. You need to make a decision. A payday loan of $200.00 for a week would cost you around $20.00. If you let your bank deal with it, which is what the banks want you to do, you will be out anywhere from $25.00 to $75.00 dollars depending on the bank and collections costs etc. And that is only based on 1 item not clearing your account. What if the account is in the negative, and more transactions come through, well the bank is going to charge you for each one of those items, and could easily lose well over $100.00 dollars in fees, that could have been avoid with a quick, simple payday loan costing $20.00 or so. Any 5th grader with basic math skills can see very simply what the better solution would be to help you manage until your next payday without paying excessive amounts in fees.
Now you can see the appeal of payday lending. For one, you have the cash you need to address whatever financial bind that you are in. And two, the less time you spend borrowing the money, the more time you can spend making money. That is why payday lending is such a wonderful thing and like I said before: “Time is Money”.
About the Author
Michael New Jr. is an authority in the financial industry. He has written hundreds of articles relating to consumer services and Payday Loans.
Contact Info:
Michael New Jr.
(866)294-4672
miken@checkcity.com
http://www.checkcity.com
|
|
Aladdin Recycled and Recyclable 16-Ounce Mug, Green $8.95 Do your part for the environment: Use this recycled travel mug for your take-out coffee instead of paper or Styrofoam cups. Not only does Aladdin make the mug from 100% FDA-approved recycled plastic, known as eCycle, but it’s completely recyclable itself at any place that recycles plastic. (It’s imprinted with the number 5 on the bottom.) Down the line, this mug may end up being transformed into o… |
|
|
Our Name Is Mud by Lorrie Veasey You Sexy Thing Mug, 4-1/2-Inch $9.12 There is no better way to boost a loved ones ego on Valentines Day than with the You Sexy Thing Mug! A cute way to show you care and brighten someone’s day every morning. Simple and attractive this mug will bring a smile to anyone’s face…. |
|
|
Handmade Wooden Coffee Scoop $18.50 Each unique wooden piece is individually handcrafted and highly polished with a natural finish. It features layers of different woods (black walnut, cherry, oak, and maple) with accents of African Padauk which ages to a deep burgundy color. Perk up your morning coffee with this decorator wooden coffee scoop. These scoops are skillfully handmade with Wisconsin hardwoods by DHH designs. Each sco… |
|
|
Traditional Paper Cut-out Art – Delicate Butterfly / Chinese Paper Cutting Art / Home and Office Decoration Art $14.50 Add Asian style to your home and office décor with this traditional Chinese Paper Cut-out Art. It is 100% hand cut by a renowned paper cutting artist from Suzhou, the home of hand-craft arts. Art depicts a butterfly on a blossoming flower. The handcrafted nature of this item will produce minor differences in design, color and sizing. Subtle variations will occur from piece to piece, adding to it… |
|
|
Traditional Paper Cut-out Art – Song Bird / Chinese Paper Cutting Art / Home and Office Decoration Art $14.50 Add Asian style to your home and office décor with this traditional Chinese Paper Cut-out Art. It is 100% hand cut by a renowned paper cutting artist from Suzhou, the home of hand-craft arts. Art depicts a Chinese song bird. The handcrafted nature of this item will produce minor differences in design, color and sizing. Subtle variations will occur from piece to piece, adding to its unique qualit… |
|
|
Traditional Paper Cut-out Art – Chinese River Village / Chinese Paper Cutting Art / Home and Office Decoration Art $14.50 Add Asian style to your home and office décor with this traditional Chinese Paper Cut-out Art. It is 100% hand cut by a renowned paper cutting artist from Suzhou, the home of hand-craft arts. Art depicts a Chinese river village. The handcrafted nature of this item will produce minor differences in design, color and sizing. Subtle variations will occur from piece to piece, adding to its unique qu… |
|
|
Episode 3 $1.99 … |
|
|
Episode 3 [HD] $2.99 … |
|
|
A Perfect Valentine’s Day Gift For Her $14.99 This Valentine’s Day, sweep her off her feet with an Exotic and Sensual Massage Show her you love her. Reconnect with her on a deeper level and improve intimacy in your relationship. A romantic massage that will awaken all her senses and make her experience new heights of Sensual Pleasure. Not the same flowers The Scene is all laid out for you: The Romant… |
|
|
Coochy Body Shave Creme Original Formula 8 oz $7.99 The “The Original” rash-free shave creme. Perfect for intimate shaving as well as all areas of the body. This product if formulated for all skin types including sensitive skin. Alluring array of light florals with a hint of baby powder freshness. Comes in a 8 fl. oz. bottle. Packaging: Retail Packaging… |
Themocracy