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Tag Archives: payday loans

Financial Stresses Linked To Health Problems

Posted on June 9, 2012 by Kristy Lamar

Medical professionals have been warning people for many years to de-stress their lives in order to prevent medical issues. Financial stresses have emerged as a major concern for the medical field as more and more patients are showing signs of stress related symptoms. Health problems are now being linked to financial stress.  There are many financial problems lurking in many American households. Whether it is with the rise in food, gas prices, mortgage problems, or difficulties keeping up with debt; the effects of financial stress are emerging into depression, sleep disorders and anxiety. … Continue reading →

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Debt Problems: Help for the Elderly

Posted on June 3, 2012 by Kristy Lamar

There continues to be a rising problem concerning the debt of the elderly. As cost of living expenses rise, the elderly are using credit cards to help make ends meet. Pensions do not rise and Social Security has barely risen more than a percentage, which leaves very little room to take care of rising costs without using credit cards or draining savings accounts. There are a third of retired people utilizing Social Security as 90 percent of their income. This reflects upon the serious problem with debt and the elderly. Credit cards are becoming … Continue reading →

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Student Loans: Collections Differ from Other Unsecured Loans

Posted on June 2, 2012 by Kristy Lamar

Loans fall into two categories, secure and unsecured. A secure loan is money which is tied to property such as a home or car used as collateral. This practice gives the lender more security. If you do not pay the lender back, your property will be seized. An unsecured loan does not use property for security, rather, it is based on your credit history and good faith that the money will be repaid. Lenders of unsecured loans scrutinize the applicants more closely because of the risk involved. Student loans fall under the unsecured loan definition as … Continue reading →

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Debt Settlement Program Problems

Posted on May 15, 2012 by Kristy Lamar

Debt settlement companies are presenting lies in their pitches to consumers.  The Federal Trade Commission (FTC) has brought suit to over a dozen debt settlement companies for such lies that prey on consumers who are searching for answers with their burdened debt. Debt settlement companies who claim to be non-profit but actually are using this ploy to get the customer to trust their company over another. Other companies omit discussing their fees all together or try to present it as no fee or low fees. The  FTC mandates that debt companies explain their fees … Continue reading →

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Payday Loan Sunday Budget Tip # 11

Posted on May 13, 2012 by Kristy Lamar

Sunday Budget Tip # 11 from Spotya! Payday Loans to help keep your spending budget friendly. Shop the clearance racks smartly. Many stores will put their clearance items on sale and offer coupons for an extra percentage off and during those times, it is great to go shopping. So often, items get pushed to the clearance racks in order to make room for new product delivery. Knowing when you favorite stores have their deliveries scheduled will give you an idea as to when to start looking. Save money and time when shopping smartly. … Continue reading →

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Healthy Breakfast to Go

Posted on May 12, 2012 by Kristy Lamar

Mornings get pretty hectic, and getting everyone out the door on time and fed can be very stressful. Buying breakfast on the way to work is just not budget friendly and if you look closely at what you buy… I bet many of you will agree that the healthy factor is missing as well. Having a good breakfast does not have to be too time consuming and can be eaten on the go for those mornings when time is running short. Payday loans are all about keeping your budget healthy … Continue reading →

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Fish Tampering

Posted on May 9, 2012 by Kristy Lamar

We made it to the end of the food fraud series. Part 8 is dedicated to the concern with fish fraud. Besides being a tongue twister, fish fraud is about selling less expensive fillets labeled as higher priced fish. Farmed fish being sold as wild, selling a molded fish to pass off as scallops. Creative, but still fraud. The Journal of Food Sciences reports that faux fish is the top food fraud in media studies and other public records. Consumer Reports did a study that showed tilefish being represented as … Continue reading →

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Sunday Budget Tip # 10

Posted on May 6, 2012 by Kristy Lamar

  It is Sunday again, and we will take a break from our Food Fraud Series and focus on the tip for the week. Tip # 10 Mother’s Day is coming soon. Most mothers would delight with any type of gift as long as it comes from the heart. You don’t need to impress your Mom with an expensive gift, but if you want to, a payday loan is a fast money option to use. Write your Mom a letter thanking her for being so wonderful. Describe a memory of her that … Continue reading →

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Tampered Products are not Worth Buying

Posted on May 5, 2012 by Kristy Lamar

This next food fraud topic is not at the top of the list, but it is still enough of a risk to share the concern. Baby formula is a common target for retail theft. The criminals often tamper with the expiration dates, or sell-by codes to add life to the product. This will give the criminal more time to pose this product as safe to buy.  A reminder from a previous post about adulterated milk or powdered milk that can be used in making formula also adds to the risk factor. When … Continue reading →

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Buy Local Products

Posted on May 3, 2012 by Kristy Lamar

The third part of the series from Spotya!Payday Loan will address the topic of honey. The Journal of Food Sciences says honey is one of the top food fraud cases. Food Safety News tests found out last year the three quarters of the store honey does not contain pollen. The removal of pollen makes it tough for the origin of the filtered honey to be proven. The National Honey Board says that it is not against regulations to filter the honey and that the pollen gets removed as part of the process to … Continue reading →

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