Archive for the ‘Advance Cash Loan’ Category

I Am Determined To Become An Old Master!

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December 23rd, 2011

Using one’s talents to make money

This has to be the most logical approach. You don’t have to study, you don’t have to buy knowledge from anyone else, you just get in these and do it all by yourself. It’s a simple money-making strategy. You put your own talents out to work for you!

I paint

I have been painting since I was a kid. There have always been paints and brushes in my room and I never hesitated to pick up a brush and start daubing at a sheet of paper or a canvas. My parents were proud of me and there are a few very old paintings of mine hanging in their home and in the homes of various aunts and uncles who couldn’t say no. Now that I’m in my fifties and still looking for a way to make some good money, I have decided that I must seriously use my talent.

I quit my job

I handed in my resignation at the office today, and on Sunday, January 1^st 2012, you will find me in my studio creating “old masters”. I have built up quite a stock already and I want to add to it so that I can hold an exhibition with a nice variety of paintings to offer to buyers and dealers. I have many of my older works too, but many of them just don’t have what it takes to make them great, that spark that makes people want to hang them on their walls.

My first exhibition

I am organizing my first exhibition and the problems are many. First of all I have to find a good venue, one with proper lighting and other amenities. It must have a decent floor and be located where people want to come, where it is convenient s and where there is parking. Then there is the matter of framing. Paintings on canvas must be framed, otherwise they look cheap and nasty and I want them to look expensive and great. Framing is unbelievably expensive. I have done a deal with a joinery shop instead of a framer. They will put a nice pine frame around each canvas.

Opening and such

I’m thinking about a cheese and wine ‘do’ for the opening and I have spoken to my next door neighbor who does spare time catering for small affairs, to see what she can suggest and give me an estimate for a modest party. I still have to think about an invitation list and design invitations in order to get a quote from the printer. And then there is the matter of advertising. Finally I need a curator, known to be very expensive individuals, who will put the whole thing together for me and allow me to get back to my easel and continue working. In my wildest dreams about exhibitions, I never thought about half these items. And I’m sure there are many items I still haven’t covered…

A Loan

So this exhibition will be one that kicks of in the bank manager’s office with a request for a loan…

Tags: Exhibitions, loans, Old masters, Paintings
Posted in Advance Cash Loan, Employment, Finance, Loans, Personal / Internet | No Comments »

If You Have Taken a Payday Loan, Watch Out For Scammers

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August 29th, 2011

Beware of payday loan collection scams

The latest disaster, hurricane Irene, will cause yet another national expense and will no doubt lead to new and unexpected financial hardships in some areas. As it is, many of us in this tight economy are living from paycheck to paycheck. Payday loans can be a helping hand for people living close to their means when unforeseen expenses occur. As usual the scammers are out there, circling like vultures and ready to take advantage of those already financially stressed people with threatening phone calls, trying to bully them into paying non-existent debts.

Lenders are bound by laws

Legitimate payday loan companies offer small, short-term loans for people who wish to borrow against their next paycheck. However, when collection becomes an issue, these lenders are bound by laws. They are not allowed to harass their debtors, nor can they threaten arrest or jail.

Scammers

In February, Maria Brown of Houston, Texas, contacted authorities reporting scammers. “They contacted me and really had me believe I was going to jail for check fraud,” Brown said. She had taken out payday loans before the calls, and the scammers seemed to have access to those applications. They sounded legitimate because of the information they possessed about her. Brown realized she was being scammed.

Warnings

Consumeraffairs.com warns of a North Carolina caller described as “having a thick accent” who has been harassing North Carolina consumers for “a couple of years now.” The man uses abusive language and threats to frighten consumers into paying phantom debts with their credit cards. Arizona’s Attorney General’s office reported a similar scam in May. Callers claimed to be from fictitious law firms or government agencies and threatened legal action if the victims didn’t pay money owed on payday loans.

Watch out for these companies

Scammers claim they represent real companies that they are not actually affiliated with, or they may use fictitious company names. Beware of callers who say they represent Morgan & Associates, Federal Bureau of Investigators, DNR Recovery, DNI Recovery, Legal Accounts Association, Department of Law and Enforcement, Cash or ACS.

Fair Debt Collection Practices Act

According to the Fair Debt Collection Practices Act, debt collectors are not allowed to threaten arrest if you can’t pay. There is no law in the U.S. that allows arrest for unpaid loans. Collectors are also not allowed to harass, annoy or threaten any kind of violence. It is also a crime to falsely represent oneself as a lawyer.

What to do if targeted

Consumers who receive these calls should never verify personal information over the telephone. Ask for written proof of the debt, which is something legitimate collectors are required to supply. Suspicious consumers may also wish to check their credit report to be sure there have been no unauthorized credit card purchases or loans taken out in their name. Report any suspicious or threatening calls to the Federal Trade Commission, the Better Business Bureau and your state Attorney General’s office.

Tags: debt collectors, Debts, Fraud, Payday Loans, Repayments
Posted in Advance Cash Loan, Economy, Finance, Identity Theft, Loans, Payday Loans | No Comments »

Getting The Best Car Loan Rates Doesn’t Have To Be Difficult

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May 27th, 2011

6 Things to know to get the best car loan rates
Just follow some simple rules in order to make sure you don’t get ripped off. Here are 6 things to keep in mind the next time you’re in the market for a car loan in order to ensure you get the best deal possible:

Get the loan somewhere else
First of all, you need to go somewhere other than the dealer if you want the best car loan rates. The dealer is happy to give you the loan right there because they want to get the commission, however they rarely have a bargain rate available. Expect to pay anywhere from 1-3 points extra just for the privilege of getting your car loan at the same place you buy your car. If you go to a bank instead, you can be pre-approved and get the best rate possible.

Bargain
Just like when you go to the dealership and you bargain for the best possible deal you can get on your car purchase, you should also be bargaining for the best possible car loan rate you can lay your hands on. Often, you can save several percentage points on your car loan if you simply ask for a better deal. Don’t be afraid to walk away either. Tell them you have other options and that you are looking for their very best rates.

Shop for a loan over a 2 week period
Every time you apply for a loan, your credit gets dinged a little bit. If you apply too many times, then your credit will go down further and your car loan rates will be much higher. However, if you apply for all the various options over a two week period, it will count as if it were a single inquiry thus saving your credit and allowing you to get the maximum possible deal available.

Check your credit report
Speaking of your credit, it goes without saying that if you want the best possible deal available on your car loan, then you need to ensure that you know what your credit report has to say about you. Be sure to check out the current information and be prepared to challenge inaccuracies in your report if you find them. Of course, that’s good advice regardless of whether you are shopping for a new car or not.

Focus on the whole loan
Too many people get caught up in trying to figure out how much they’ll have to pay each month for their car loan. That’s a big mistake. Ultimately, you could end up spending more money than necessary that way. Instead, focus on the grand total that you’ll have paid out at the end of the loan term so that you know you’re not getting ripped off.

Don’t take conditional financing
Finally, be sure that the loan amount and rates you’ve been offered have been locked in if you want to ensure you’ll get the best car loan rates available. Otherwise, the numbers could change later on and you could end up stuck paying a lot more than you originally expected when the terms get changed.

Tags: Bank loans, Car financing, Car loan, Dealers’ loans
Posted in Advance Cash Loan, Car Loans, Economy, Employment, Finance, Loans, Money, Personal / Internet | No Comments »

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