Merchant Cash Advance vs. Bank Loans
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WHY A PAYDAY LOAN?
WHY A PAYDAY LOAN?
At one time or another, maybe several times depending on your good or bad luck, an emergency will arise that a quick infusion of cash will solve – but you are like so many of us that just make it from one payday to another. And you have little, if any, savings!
Maybe your auto mechanic gives you some bad news. You just came in for an oil change. He checked your brakes and they are in bad shape and need to be replaced right now! Two hundred fifty dollars will take care of it but you do not have that type of cash on hand. You don’t want to ask your brother-in-law again and have to listen to him tell you what a poor money manager you are.
You cannot go to Household Finance Company or any of those loan companies because you need only a small loan for a short time.
Avoiding The Payday Loan Trap
Avoiding The Payday Loan Trap
When budgets are tight and you're short of cash towards the end of the month, a payday loan can seem like the ideal answer, giving you enough money to see you through until you receive your next wage. Unfortunately, this can be too simplistic a view, and using payday loan facilities to paper over the cracks of a bad financial situation can make matters even worse, given the relatively high fees involved in short term, small dollar loans.
The fact that a typical payday loan will cost around 25% of the amount borrowed in fees, repayable within a period of a month or so of receiving the advance, means that in APR terms the cost can be astronomical even though the actual dollar amount may seem small. This means that potential borrowers need to think carefully about whether they really need a loan, as there are alternatives that may be a better option.
The major danger with payday loans is the temptation to use them to cover bills and allow a certain amount of living beyond your means. It's easy to fall into the trap of having to take out a new loan every month to make ends meet, all the time paying the high fees.
What Every Mortgage Holder Should Know About PMI
What Every Mortgage Holder Should Know About PMI
Insurance - we need it for our life, our car, our house, our health and yes, in some cases, even for our mortgage. Private Mortgage Insurance (PMI) is the mortgage industry term used to describe insurance that protects the lender of your mortgage against any type of default. It's primarily used when you put down less than 20% of the purchase price of your home.
Each month you will be required to submit a premium payment that is calculated based on how much your down payment is and the total size of your loan. Typically the payment amounts to around one-half of one percent of the total loan value. These payments are usually added to your mortgage payment to make it easier to keep track of and keep paid.