Category «Uncategorized»

What Are Lending Circles?

By Jim Dugan – If you have bad credit but need a loan fast, a lending circle may be a good option if there’s a community organization or nonprofit in your area that offers them. This type of lending option brings together a group of around six to 12 people who essentially take turns receiving …

Are Credit Card Advances Ever a Good Idea?

By Sarah McDaniels – Credit card cash advances may be a reasonable option if you have a revolving account or card that allows it. That said, it shouldn’t ever be your primary option if you’re in need of money. To request a credit card cash advance, all you have to do is take your card …

Can you make a living writing for TextBroker?

By Jim Dugan – Since 2005, Textbroker has been one of the leading providers of unique, custom content. It’s one of the very first content mills, and it hasn’t changed a whole lot over time. If you are just starting out, Textbroker gives you access to thousands of diverse writing opportunities for a wide array …

Borrowing from Credit Unions

By Sarah McDaniels – Credit unions are not-for-profit organizations that are owned by their actual members. So, instead of trying to maximize their profits to benefit some third-party shareholder, these organizations use their revenue to deliver lower interest rates and more affordable fees to their members. Payday-alternative loans are one helpful result of this unique …

What You Should Know about Online Lenders

By Paul A. Achoa – Certain modern lenders run all of their operations over the internet to help avoid overhead costs associated with having physical, brick-and-mortar branches. Since they have lower costs and broader reach, they are often able to provide greater access to bad-credit loans compared too traditional banks. With that being said, interest …

What You Should Know about Payday Loans

By Paul A. Achoa – In general, you should avoid payday loans unless you are in a serious financial emergency. This is because these loans charge high-interest rates (many charge an APR in the neighborhood of 400% or even higher). They also usually require full repayment within a couple of weeks. In most instances, you …