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Tag Archives: cash advance

How Should I Borrow? The Pros and Cons of Different Types of Loans and Debt Solutions

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If you’re in debt you may have considered borrowing to consolidate your payments, lower your interest costs or even to stay afloat a little longer. Before you borrow, consider your options carefully. No matter how attractively some loans are marketed, they can’t solve your debt problems. The only way to do that is to spend less, earn more and develop ... Read More »

My Husband is Not Aware of our True Financial Situation. – Nancy

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“Dear Steve, I’m unemployed since 9/4/08 and my work is in the IT field. I collect unemployment of about $1,160/mth. My husband is a Maintenance Mechanic and brings in about $27k a year, or $1,600 after taxes and deductions. I used to make upwards around $45k as a programmer before I got sick about 5 years ago. I’ve also had ... Read More »

I Am 71 Days Behind on My Car Payment. I Am On Unemployment. – Pamela

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Pamela “Dear Steve, I am 71 days behind on car payment. I am on unemployment. I was in a car accident back in January and hopefully will be settling soon. I was released from doctors care October 12th. I have been seeking a new job since July. I finally signed up with some temp agencies and currently waiting to hear ... Read More »

I’m a Minimum Wage Single Mother of Two Caring for Disabled Parents and Trapped in Payday Loans. – Noname

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Noname “Dear Steve, It started like this, i had gotten three payday loans all at once of the amount each being $200, for a really urgent matter. I had a death in the family, and we where having a bad time paying for funeral costs. This is my first time applying for loans, so I didnt know really what to ... Read More »

My Car Payments and Car Insurance Are Killing Me Financially. – Greg

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Greg “Dear Steve, Car payments and car insurance are killing me financially! I don’t know what to do on my car payment anymore? I’m getting financially stressed! Its extremely high and I pay high interest, plus I have another car I owed on and traded it for this new car and what was left on the loan? Was tacked onto ... Read More »

When the Mortgage Industry Suffered My Husband and I Also Did – Ai

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Ai “Dear Steve, Like the rest of the country when the mortgage industry suffered my husband and I also did since we were both in the industry and were paid commission only. I was lucky enough to find a job but catching up on bills and having only one income resulted for me to go to those money advance places. ... Read More »

Carolyn Built Her New Home Using Credit Card Cash Advances

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“Dear Steve, I built a new home using credit card cash advances. I now have $85,000 in credit card debt and the interest rates average 25%. I can make up to $2500/month in credit payments but the interest rates are killing me. I had great credit before this issue. I have a good job and predictable income. What is the ... Read More »

Archeologists Finds 3,000-Year Old Credit Card Bill

Earliest Known Credit Card Statement

An Israeli archeologist has discovered what he says is the earliest-known Hebrew text, found on a shard of pottery that dates to the time of King David from the Old Testament, about 3,000 years ago. Carbon dating of the ostracon (meaning “statement”), along with pottery analysis, dates the inscription to time of King David, about a millennium earlier than the ... Read More »

Easy Come, Easy Go: Prosper.com Hits Regulatory Hurdle

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OK. Remember earlier this week when I posted a story about alternative lending? You remember. It was the upbeat story about peer-to-peer (p2p) lending -- and how this credit crisis is good for business (link here). That story was written by Economix, a blog at the New York Times. The blog pointed out that more traditional-looking borrowers were turning to p2p for funding needs during the credit Read More »

American Express Customers: Don’t Try This At Home

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I hate writing these kinds of stories. On the one hand, it will help those who are currently doing -- or thinking about doing -- what I am about to write about. On the other hand, there will be some readers who will now go out and do exactly what I am trying to dissuade them from doing. That said, I can't control what my readers do. They'll do what they're going to do. Here's the deal. A Read More »

Payday Loans and Cash Advances

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Now that banks have stopped their rampant lending to consumers what should we expect next? Well let’s not be surprised if we see an increase in payday loan or title loan activity. A payday loan is an unsecured, short-term cash advance until your payday. Payday loans are typically hyped with payday lenders saying things like: Personal Cash Advance is the ... Read More »

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