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Are Payday Loan Companies Unfairly Targeted For Using Demographics?

Posted on June 21, 2012 by Kristy Lamar

Demographics is a major deciding factor to any start-up company or to those who are branching out to new locations. As with any industry, money lenders can be found quite easily in certain areas of town. Who is the judge as to where a good or bad place can be? Labeling businesses as predatory lenders for using demographics to target customers seems to be quite unbalanced since the practice of it is used throughout all industries. I guess it all falls into the laps of each individual and their particular … Continue reading →

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Overdraft Fee Revenues Are Pushing $30 Billion

Posted on June 20, 2012 by Kristy Lamar

With overdraft fees running between $30 and $35 per transaction, the financial institutions are making bank. In 2011, the banks collected almost $30 billion in revenue from these fees. Where do these funds come from? Overdraft fees are collected from checking accounts across the nation when overdraft errors occur. It is the hard working consumer who is paying the billions in fees. Imagine the difference it could make to have billions of dollars still in checking accounts. Overdraft protection plans are set up to help you keep the costs down … Continue reading →

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Payday Loan Leads From Online Auctions

Posted on June 19, 2012 by Kristy Lamar

A booming business is coming out of payday loan applications without having to lend any money at all. Payday loan companies, located in stores and on the web, are bringing in loads of loan applicants who fill out personal information on their loan applications. These potential customers are looking for quick cash to help them out of a financially stressful bind and do not necessarily read the fine print on the application. If you see, most often in small type, the words “not a lender” then the business you are … Continue reading →

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Lender Fees: Uncovering The Costs

Posted on June 18, 2012 by Kristy Lamar

How do lenders charge a fee? Anytime you see the words interest rate or service fee, you can promise that your money will be going to the company to pay for their services. There are various reasons as to why these fees are attached to transactions. The more you understand the reasons they occur, the better equipped you will be to pay the least amount. Payday loan lenders use the words service fees. This fee is to pay for the price of getting an unsecured loan which is usually to the risk of the lender of … Continue reading →

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Payday Loans: Regulation Perspective

Posted on June 17, 2012 by Kristy Lamar

There are many aspects to our lives which are regulated by the government. Every now and then there are new crazy ideas by some politician to control one more aspect of our lives. Just the other day on the radio, I heard about a mayor trying to regulate the size of sugary beverages that can be purchased. I personally don’t think that one will go very far, but maybe the regulation should be on how much it truly costs to buy that jumbo soft drink. The idea of paying three dollars or … Continue reading →

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Bank Loans: What Is Required?

Posted on June 16, 2012 by Kristy Lamar

When applying for a bank loan, the better prepared you are for your meeting with the banker, the easier it will be going through the application process. There are some key items which banks will be looking for and you want to avoid mistakes providing them. It all begins with your credit report. Read through your credit report says and know what the information means to a possible lender. If you have negative marks on your report, be prepared to have reasons which will justify your errors or wait till you have six months clean of any negative remarks … Continue reading →

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Safeguarding Records: Protect All Documents

Posted on June 15, 2012 by Kristy Lamar

Did you ever think about how to recover once a natural disaster strikes? Have you thought about what kinds of documents would be beneficial to have safeguarded for emergencies? Whether you may live in an area susceptible to tornadoes, hurricanes, earthquakes or hazardous fires you will want to have important documents protected. What kinds of documents would this pertain to? The IRS would like for all taxpayers to keep returns forever, but a good number to follow would be for seven years. These documents should be kept in two forms and in different safe … Continue reading →

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College Debit Cards: Fees Eating At School Funds

Posted on June 14, 2012 by Kristy Lamar

Debit cards work great if handled correctly. They offer easy access to money in your account without the worry of long-term payments. Keep track of account balance and a keen sense of how much is being spent to avoid any fees associated with debit cards. Bank overdraft fees are pricey. Their convenient status have them filtering into the lives of college students. Banks and colleges have teamed up to offer students easy access to their college funds. Campus debit and pre-paid cards are being offered to those students receiving student … Continue reading →

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Safeguard Your Budget: Make Your Own Cleaning Supplies

Posted on June 13, 2012 by Kristy Lamar

When it comes to saving money, being frugal can come in handy. Frugality does not mean you have to go without, but more like being smarter with the everyday choices you make. My shopping bill always goes up when it is time to replenish the household cleaners. What I would normally spend at the store increases by $20 easily, if not more, because of these items. There are less expensive ways to keep your home areas clean. You can make your own cleaners in reusable dispensers. Your initial expense to purchase the ingredients and containers will … Continue reading →

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Budgets: Prioritize Healthy Foods

Posted on June 12, 2012 by Kristy Lamar

At Spotya.com, Payday Loans and Cash Advances are at the core of what we do. We are here to support our present and future customers if  ever in a short term financial jam. Our purpose goes deeper than just providing  online  payday loans or cash advances. Our office has a passion for good health and we want to extend that passion to not only our customer but anyone that desires a healthy life style. We also understand that good health can come at a monetary price, so finding ways to … Continue reading →

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