Life

Presidential Appointment Powers Must be Limited Soon

By now, everyone pretty much agrees that President Obama overstepped his boundaries and constitutional authorization back on January 4th, 2012. Don’t remember what happened that day? It was when he gave the head of the Consumer Financial Bureau, Richard Cordray a recess appointment. All of this eventually led to recent, troubling events. Cordray, who despite his job title is still simply a private citizen, has issued lots of potentially game-changing decisions on the part of the CFPB. In the case of State National Bank of Big Springs v. Lew, the judge said that Cordray was able to wave around a “magic wand” to help retroactively make his actions the law of the land. So then, the decision to grant recess to Cordray, and to ultimately keep him in a place of artificially inflated authority, has eroded the Constitution’s very direct instructions that limit the appointment powers of the President of the United States and will likely set a precedent that future presidents will adhere to.…
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Cash advance

Most Payday Loans are Actually Paid Back on Time

Like many other states, Utah recently put some important protections into place to help protect consumers that take out payday loans. One of these requirements offers lenders the ability to offer extended repayment plans. This option, which includes zero-interest repayment for borrowers, was put into law because of outcries from an organization that demands more time for people to repay their loans. Some believe that this requirement helps borrowers to get more value from payday cash advance loans. An organization called the Community Financial Services Association of America (CFSA), an organization that strives to offer best practices for short term lenders, has lauded this Utah law. This law gives borrowers lots of time to repay their loans, without forcing borrowers to pay higher fees to get an extension on their loans. This flies in the face of some media reports that demonize payday lending companies in the state of Utah, and even the consumers these lenders provide services for. In fact, one article went so…
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Personal Finance

How Women Can Achieve Financial Independence

In this day and age it is more important than ever for women to become financially independent. There is more than one way that women can achieve this financial independence. Here are some tips to help you gain this financial independence for yourself. The first thing you need to do ladies is take an active role in your family finances, if you have a family that is. Taking an active role in your family’s finances can show you where your money is going and help you to understand how your family finances work. Ladies most experts agree that you need to pay yourself first. What does this mean? It means before you pay your bills you need to make sure that you have enough money to last until you get paid again. Even if you can only make a partial payment on one or more of your bills you need to make sure you can make it until your next payday. Otherwise what are you…
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Personal Finance

Make Money Later In Life

There are times when people retire only to realize that they have not saved enough money for it. Other times they realize that they did save enough, but they simply miss working or being around people. Either reason some people find once they retire that they need something to do, making money is either out of necessity or it is a byproduct of what they chose to do to be around people. There are several ways in which someone could earn money once they are retired. One idea would be to grow treas. If a wooded area is purchased or already owned then you could make money selling firewood. They would be able to use the logs to heat their home as well. Cutting down trees and chopping them into logs can be hard work though. It is a lot of work for not a lot of return. This may not be the best way to make money once retired for many people. By the…
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Fast Cash

What are your Options with online Cash Loans

Online Cash Loans are an option when needing money to take care of unforeseen expenses. An unexpected emergency can occur at any time. This is a problem because many people are living paycheck to paycheck. Traditional loans are available, but hard to get approved for with bad credit. People with bad credit have a hard time getting approved for credit and loans. This is a problem when needing to get a loan for medical expenses or when needing to make emergency repairs to your home. There are options, such as loans for bad credit. Loans like cash advances, payday loans, and title loans are available to people with poor credit. The requirement for these loans is not based on credit, but on income. Text Cash Loans A text cash loan involves sending a text message to receive a loan. This method still requires going through an application process, but you can receive further loans by sending a text. A payday loan provider may charge higher…
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Tips

Having A Budget Is Important

Having a budget is extremely important. There is only so much money that there is to pay your bills and get through the month. It can be difficult to make a budget and difficult to make sure that you adhere to it. This can leave you in a very stressed out situation if you are not able to stick to it. It is very important if you make a budget to make sure that you are able to meet it every month. Simply setting up a budget is the first step, but it is not the last step that you need to take. You need to be sure that you are Saving Money and keeping everything within your budget. You not only need to make sure that you are making your budget but you are able to save some money on top of it. If you find that you are behind on your budget and you need to make up the difference quickly, then you…
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Tips

You Need To Be Sure Your Finances Are Stable

It can be difficult to be sure that your finances are stable, but it can be difficult to get yourself into that situation. You need to be sure to be careful with your money in order to get yourself into a good situation. The problem can be Saving Money, while it is true that you need to save money to make sure that your finances are stable, it can be difficult to accomplish it. When you need something and you have the money it is easy to spend it instead of saving it. Cutting corners and not being able to purchase the things that you need is very difficult. It can make saving the money that you need more difficult than it really is. While everyone wants to have a cushion, it can really take discipline to get it accomplished. If you do not have the discipline to get it done, then it can seem like your finances are completely out of control. If you…
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Charge card

The Differences Between a Charge Card and Payday Loan

Many people use a Charge card when needing extra money or when facing an unexpected Car Repair. A charge card is also known as a credit card. There are limitations to using credit cards. People can usually borrow a certain amount of money. On the other hand, a cash advance does not have a limit on how many times a person can borrow as long as the person’s account is in good standing. What is a charge card? A charge card requires payment every month. It does not have a preset limit. Purchases are approved based on credit record, financial resources, payment history, and spending. There is no minimum payment or interest rate because the balance must be paid in full by the due date. If the balance is not paid in full, then there is the possibility of paying late fees depending on the penalties and fees outlined in the agreement. Some credit cards have a credit limit and may allow users to carry…
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