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>Cash Advance Loans & Payday Loans
Posted by nick_niesen on November 8th
, 2010
GET CASH UNTIL PAYDAY! . . . $100 OR MORE . . . FAST." The ads are on the radio, television, the Internet, even in the mail. They refer to cash advance loans or a payday loan - which come at a very high price.
Check cashers, finance companies and others are making small, short-term, high-rate loans that go by a variety of names: payday loans, cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans.
Usually, a borrower writes a personal check payable to the lender for the amount he or she wishes to borrow plus a fee. The company gives the borrower the amount of the check minus the fee. Fees charged for cash advance loans or a payday loan are usually a percentage of the face value of the check or a fee charged per amount borrowed - say, for every $50 or $100 loaned. If you extend or "roll-over" the loan - say for another two weeks - you will pay the fees for each extension.
Under the Truth in Lending Act, the cost of payday loans - like other types of credit - must be disclosed. Among other information, you must receive, in writing, the finance charge (a dollar amount) and the annual percentage rate or APR (the cost of credit on a yearly basis). Loans secured by a personal check - such as a payday loan - is very expensive credit. Let's say you write a personal check for $115 to borrow $100 for up to 14 days. The check casher or payday lender agrees to hold the check until your next payday. At that time, depending on the particular plan, the lender deposits the check, you redeem the check by paying the $115 in cash, or you roll-over the check by paying a fee to extend the loan for another two weeks.
In this example, the cost of the initial loan is a $15 finance charge and 391 percent APR. If you roll-over the loan three times, the finance charge would climb to $60 to borrow $100.Where to Complain If you think your lender has violated the law, you may wish to contact the lender or loan servicer to register your concerns.
Oregon Auto Insurance Quotes - Search Quotes in Oregon for Auto Insurance Autos Articles | May 5, 2012
To understand the basic principles of how to get the best car insurance quote comparison in Oregon, you must first understand the car insurance in Oregon. So, first I will explain the basic knowledge of Oregon in need of car insurance to certain steps to make a fair comparison quotes, and provides a free search tool, start giving.
Remember that any company or policy is best for everyone. It is a wise consumer, or a little more to offer, you can afford the opportunity to get a great car insurance policy or the price was significantly improved.
Online auto insurance for Oregon
Oregon to continue the trend in demand for all vehicle liability insurance the following is a type of coverage and minimum limits should be displayed in each vehicle:
Injury: $ 25,000 per person $ 50,000 per accident
Property damage: $ 10.000 per accident
Personal injury protection (PIP): $ 15,000 per person in an accident
However, liability insurance does not protect your car in the accident wrong. Here is the cover to consider some other type of physical damage insurance including:
Integrated
Conflict
Back up for rent
Emergency road service
How to compare car insurance quotes in Oregon
Although car insurance is a very competitive business, it is sometimes difficult to know the price of the company that is the best deal. And the depth of integration, Oregon car insurance quote comparison, you can sit and relax, you can choose the right company for your car insurance policy. Here are some tips to consider in the process of comparative quotes.
1. Know your discount! The survey results show that off, his qualifications, the company has the majority. In addition, when you place your bid, make sure you know used to extract the codes. Requirements will not hurt!
2. Determine what type of coverage and limitations of your needs. If you are solely responsible for the whole package, continuous line, each of them, shall, if a comparison of apples with apples.
3. Consider the level of service. Initial offer on the Internet to view personal information online, and then came to visit you can expect what kind of customer service. Always keep in mind the service, not just buy based on price, they will repent.
Oregon compare car insurance quote online
Now you know what type of coverage to see, use our search tool to start your free quote comparison. Mouse clicks and 5-digit zip code, is today compared Oregon Auto Insurance Quote!
Article Tags: Oregon Auto Insurance, Oregon Auto, Auto Insurance, Insurance Quotes, Insurance Quote
Use of Printed Boxes for Promotion Business Articles | January 27, 2012
The customization of boxes helps the company to print unique boxes. They can be made of any shape or size.? Every company tries to make boxes which are protective and good looking.
It is obvious that every company deals with a plenty of documents. These documents, papers and products are to be kept safely, especially in the case of sending merchandise to clients. Cardboard packaging boxes are ideal for having your goods safely shipped to your clients; they will also be handy for holding the numerous documents that, being a small business, you have to hold for approximately six years. The use of cardboard boxes is not new. They are basically used for packaging a large number of products .
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