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If You Have Really Bad Credit You Can Apply Here For Loans #loan #agreement #template


#need a loan with bad credit
#

If You Have Really Bad Credit You Can Apply Here For Loans

If you have failed to keep track of your income and expenditure, it’s highly probably that you’re one of the hundreds of Americans who find themselves with bad credit. Debt, like death, is a certainty in the lives of everyone; however, insurmountable debt only happens to people who take their spending for granted.

Debt can seriously damage your credit history, not to mention your reputation. Most people who suffer from debt experience numerous rejections from money-lending firms everywhere. Financial institutions are wary of people with debt and are hesitant to help them in their time of need. That is why most people who are already in debt remain in debt.

You don’t have to go through this kind of credit dilemma. These days, you can readily find loans available to people like you who have really bad credit. These loans, aptly referred to as really bad credit loans, will help you get through the tough times, times when emergencies arise and cash just isn’t anywhere to be found. Indeed, really bad credit loans are the answer you’ve been waiting for.

Companies or websites that offer really bad credit loans have almost similar requirements that you need to satisfy before your loan can be approved. These requirements, while forgoing your bad credit history or low credit score, usually just include age and, sometimes, proof or documentation on income, among others.

Firms dedicated to helping people with really bad credit and offer really bad credit loans normally provide debt consolidation as one of the features of their services. Through debt consolidation seminars or manuals, you can gain information on how you can free yourself from debt and start anew.

Like any other kind of loan, however, really bad credit loans have to be paid back. People with really bad credit are often overjoyed and excited at the prospect of being lent money despite their bad credit history that, once again, they forget about their obligation to pay back the loan. If you’re not careful, you could end up in even greater debt than when you first started.

There are different ways with which you can repair your credit history and clean up the credit mess you’re in. To make sure you pay back your really bad credit loans and to reduce the amount of debt you owe in general, it’s highly recommended that you stay away from borrowing big amounts of money for the time being.

If there is no real emergency, then learn to scrape by with what you have. It’s also best if you ask for help from a financial advisor or consultant, free of charge if possible. This way you can get sound advice on how to fix your credit from someone who’s an expert on the subject.

Live a life free from debt. Practice good spending habits and learn monetary responsibility. Avail of one of the many really bad credit loans in the market and start taking control of your financial situation right now.



I Applied For An Online Payday Loan. Here s What Happened Next: Planet Money: NPR #fed #loan #consolidation


#online payday loan
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Listen to the Story

Payday lenders made about $49 billion in high-interest loans last year. More than a third of those loans were made online. I wondered what happens when you apply for such a loan, so I decided to find out.

In the course of reporting a story earlier this year, I logged on to a site called eTaxLoan.com and filled out an application.

I asked for $500 and, to be safe, I made up an address, a name (Mary) and a Social Security number. The site asked for more sensitive stuff — a bank account number and a routing number — and I made that up, too.

In spite of the made-up information, in less than a minute, I got a response.

“Congratulations. Tremont Lending has been selected as your lender and you have been pre-approved for a loan up to $750.”

If I wanted to borrow $750 for a week, I would have had to pay $225 in interest. The site said that was an annual percentage rate of more than 1,300 percent.

I did not agree to take the loan.

But within minutes, my phone rang (I had entered my real phone number). It was a guy from Tremont Lending, in South Dakota. I told him I was a reporter, that I didn’t really want a loan, and I figured that would be the end of it. But then, I started to get more calls.

“Hi, Mary. My name is Ethan, Ethan Foster, and I’m calling from InstaLoan. And this call is regarding the loan application which you put online. It has been successfully approved by our company as a personal loan.”

And:

“This message is intended for Mary Kettler. Mary, the very second you receive this message, I need your urgent attention to return the call. My name is Tom Watson.”

For months, I got dozens of calls. Many of the callers had strong foreign accents. One caller, who said his name was Kevin, told me that Mary had been approved for a loan of up to $5,000 — 10 times what I initially asked for.

Kevin said he was from a company called Cash 4 You, which was unconnected to eTaxLoan.com. By this point, I was wholly confused. ETaxLoan had said it was a secure site, but now, many different companies had my application — and, presumably, my personal information.

It turns out there’s a huge online bidding process for such loans. ETaxLoan isn’t a lender at all, but something called a lead generator. It finds potential customers, then passes them on.

When I tried to contact eTaxLoan to learn more, I might as well have been looking for the holy grail. The company’s customer service line connected to a recording that said “due to an overwhelming response to great loans,” it could not take calls. The site lists an address in Delaware — but the company isn’t at that address. I spent days trying to find the company’s physical location, without success.

And when I tried to call back the people who had offered me loans, I couldn’t get through.

But eventually, I did find someone willing to talk about the business. Jack Murray heads Fix Media Group, in Virginia, which has a site called wefixmoney.com. Murray says his company — not unlike eTaxLoan — is really a marketing firm.

“We are a matching service, just like an Expedia is for a travel company or a Hotels.com is for a hotel company,” Murray says.

But instead of matching travelers with hotels, Murray matches those who need cash — and can’t get it elsewhere — with those willing to lend.

For that, he might get anywhere from $1 to $100 per lead. Murray draws a big distinction between his company and others in the business. He says he’s completely aboveboard and works only with partners he trusts.

“We have a pretty limited network of lenders, and we know what each of our lenders is looking for,” he says. “So whether it’s a certain state or other qualifications or characteristics of the customer, it will match the appropriate lender based on those things.”

Murray says neither he nor his lenders resells personal data, like the kind I submitted. But he says that others do, and that’s likely what happened in my case. It doesn’t take long online to discover there’s a whole network of people trying to buy and sell payday loan leads.

None of this surprises Benjamin Lawsky, the superintendent of financial services for New York state and one of many regulators trying to clamp down on payday lending.

“Once you made that application, you basically sent up a red flag with them that you are someone in need of this money, and you need it on a short-term basis,” he told me. “That’s when the vultures come out.”



Here s how banks calculate home loan eligibility. #mortgage #interest #rates


#home loan eligibility
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Here’s how banks calculate home loan eligibility

Updated on: July 15, 2011

T his article is aimed at clearing doubts over how a bank calculates your net income while calculating the eligibility for total home loan amount. Normally, all banks provide home loans up to 60 times your monthly net income.

  • You have a monthly in-hand (take home) salary as Rs 50,000 and you are looking for a home loan of about Rs 30 lakh.
  • Your gross monthly income might be much more than Rs 50,000 per month but that does not matter while calculating the net income.
  • You don’t have any other loan like car or personal loan on your name.
  • Bank rules say that you are eligible to get 60 times your monthly net income as loan.

Well, all sounds good till the time you are talking to your bank executive or an agent over phone for your eligibility. They ask you for your net income, you answer Rs 50,000 per month and they immediately say that you are eligible for a loan that is 60 times your monthly net income, that is, Rs 30 lakh. You are excited that everything is going as per your expectations and think you will get the amount you were looking for.

Click NEXT for more



Drowning in student loan debt? Here – s help – NBC News #types #of #loans


#help with student loan debt
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Drowning in student loan debt? Here s help

Gan Golan, of Los Angeles, dressed as the Master of Degrees, holds a ball and chain representing his college loan debt. Jacquelyn Martin / AP

As college students start the fall semester, millions of graduates (and drop-outs) struggle to pay off a mountain of student loan debt – more than $1 trillion dollars, according to the Student Loan Debt Clock. That’s more than all the credit card debt Americans owe.

College seniors who graduated with student loans in 2010 owed an average of $25,250, according to the latest data from The Project on Student Debt. That’s up five percent from 2009.

And these days, a college degree doesn’t guarantee employment, let alone a good-paying job.

“You don’t realize the seriousness of paying back that loan until you finish school,” said Langdon Bueschel of Seattle, who needed financial aid to attend the University of Washington.

When he graduated in 2008, Bueschel had a degree in English and $12,000 in student loan debt. He has a job designing online advertising, but most of his money goes to living expenses. Because he missed so many payments, his balance now stands at $18,000 and counting.

“I could have been more responsible and paid more quickly,” he admitted, “but sometimes things come up.”

The most recent report from the U.S. Department of Education found that more than 320,000 borrowers had defaulted on their student loans as of September 2010. That is, they were 360 days or more late in making their payments.

Can’t handle your student loan payments?

You may have options and there’s an easy way to find them. The Student Debt Repayment Assistant on the Consumer Financial Protection Bureau (CFPB) website can help students – and their families – figure out the best repayment options and what to do if they’re behind in their payments.

“You just answer a few questions and we’ll be able to point you to the best repayment program or action you should take in order to best manage your debt,” said CFPB student loan ombudsman Rohit Chopra.

First, you need to know what type of loans you have – government, private or both – because the remedies are different. Not sure? The Student Debt Repayment Assistant has a link to the National Student Loan database where you can find out.

“We can lead you in the right direction for the income-based repayment program on federal loans and we can tell you how you might negotiate with your private student lender,” Chopra explained. “Let’s say you’ve fallen behind like so many people have, we can even tell you about ways to negotiate with debt collectors and maybe even get your credit report fixed so you can get back on track.”

Of course, nothing’s guaranteed. But your chances of modifying the repayment terms are fairly good with a student loan from the federal government. Private lenders are generally not as willing to help. Still, it’s worth a try.

“Options vary by lender, but many private student loan programs offer borrowers a partial forbearance during which the borrower makes interest-only payments for a short period of time until the borrower can get back up on his or her feet,” said Mark Kantrowitz, publisher of FinAid.org and Fastweb.com. “This keeps the loan balance from growing bigger and digging the borrower into a deeper hole.”

Kantrowitz points out that some private lenders may make reductions in the loan balance or interest rate when the hardship is of a more permanent nature and they know they are unlikely to recover the full amount owed.

Remember: it is virtually impossible to discharge any type of student loans in bankruptcy. This obligation stays with you forever.

More information:



Payday Loan $1000 – A 99% Superior Payday Loan. Imperfect Credit Not An Issue To Get A Loan Till Payday. This Cash Advance Company Is Here To Help. #instant #loans #online


#1000 loan
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Some Information About A Payday Loan $1000.

Have you ever had $1000 just handed to you?. With a payday loan from Paradise Payday is it just that simple. by next business day (the 24 hour payday loan )your $1000 payday loan is deposited right into your banks account with no hassles, no questions, no worries.

Sometimes, we just can’t wait to get money till out next payday. When you need money for things like car repairs, medical expenses, or anything else, don’t let it get you down. Up to $1000 is ready for you to just take it.

Imperfect Credit Is Never An Issue In Paradise.

If you need a cash advance and have bad credit. poor credit or no credit you will have no problem getting a payday loan of up to $1000 from Paradise Payday. We will never check your credit, and we will never ask you why you need the fast payday loan .

Don’t let any other payday loan store promise you a $1000 payday loan then never deliver on what they promise. Trust the one cash advance company that has helps thousands every month get the cash advance payday they need right away. Only Paradise Payday is the perfect solution.

Let’s take a look at how easy it is to get a $1000 payday loan. First of all this is a no fax payday loan. so save a tree and cover that fax machine up. And since this is a no faxing payday loan things will go allot faster (now the fast cash advance ). So, let’s see, this is a no fax cash advance. a fast cash advance, what else do you need?

How about the fact that this is a 99% Superior payday loan. Bet you didn’t see that one coming. That’s right, every time you apply for an easy cash advance you will have to the full support of Paradise Payday and a 99% Superior chance of being approved. No other cash advance payday loan company can come close to making that kind of guarantee. So, when you need a $1000 payday loan, then you know you have come to the right place, especially with these incentives. Don’t just trust any old emergency payday loan company. trust the one payday loan company that can guarantee your success.

About A $1000 Payday Loan .

There are some many things we can say about a $1000 payday loan from Paradise Payday, but we need to discuss some terms. First of all this is a quick loan. Generally, you are required to payday back the loan until payday by your next paycheck. However, with over 1000 cash advance companies in our system, it could be a little longer.

Most $1000 payday loan applications are funded within 24 hours (the 24 hour payday loan ). This is also known as the instant payday loan. which means that your approval is delivered in less than 10 seconds. If this sounds good to you, then we need to get you signed up for a quick payday loan .

Another great aspect of the $1000 payday loan is that it is also a Less Than Perfect Credit payday loan (a.k.a. Imperfect Credit payday loan ). So, you can you the $1000 payday loan for virtually anything. Car repairs, medical expenses, educational expenses, or use it as a debt consolidation payday loan .

There is nothing more exciting than the approval of a cash advance loan. It is the easy payday loan (up to a $1000 payday loan ) that people love to get again and again. Join us, won’t you.



If You Have Really Bad Credit You Can Apply Here For Loans #land #loan


#need a loan with bad credit
#

If You Have Really Bad Credit You Can Apply Here For Loans

If you have failed to keep track of your income and expenditure, it’s highly probably that you’re one of the hundreds of Americans who find themselves with bad credit. Debt, like death, is a certainty in the lives of everyone; however, insurmountable debt only happens to people who take their spending for granted.

Debt can seriously damage your credit history, not to mention your reputation. Most people who suffer from debt experience numerous rejections from money-lending firms everywhere. Financial institutions are wary of people with debt and are hesitant to help them in their time of need. That is why most people who are already in debt remain in debt.

You don’t have to go through this kind of credit dilemma. These days, you can readily find loans available to people like you who have really bad credit. These loans, aptly referred to as really bad credit loans, will help you get through the tough times, times when emergencies arise and cash just isn’t anywhere to be found. Indeed, really bad credit loans are the answer you’ve been waiting for.

Companies or websites that offer really bad credit loans have almost similar requirements that you need to satisfy before your loan can be approved. These requirements, while forgoing your bad credit history or low credit score, usually just include age and, sometimes, proof or documentation on income, among others.

Firms dedicated to helping people with really bad credit and offer really bad credit loans normally provide debt consolidation as one of the features of their services. Through debt consolidation seminars or manuals, you can gain information on how you can free yourself from debt and start anew.

Like any other kind of loan, however, really bad credit loans have to be paid back. People with really bad credit are often overjoyed and excited at the prospect of being lent money despite their bad credit history that, once again, they forget about their obligation to pay back the loan. If you’re not careful, you could end up in even greater debt than when you first started.

There are different ways with which you can repair your credit history and clean up the credit mess you’re in. To make sure you pay back your really bad credit loans and to reduce the amount of debt you owe in general, it’s highly recommended that you stay away from borrowing big amounts of money for the time being.

If there is no real emergency, then learn to scrape by with what you have. It’s also best if you ask for help from a financial advisor or consultant, free of charge if possible. This way you can get sound advice on how to fix your credit from someone who’s an expert on the subject.

Live a life free from debt. Practice good spending habits and learn monetary responsibility. Avail of one of the many really bad credit loans in the market and start taking control of your financial situation right now.



The Superior Court of California, County of Lake – Jury Service #jury #duty #ca, #keywords #here


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General Jury Information

NEW! Receive Jury Updates via Text!
Interactive SMS messaging allows you to check juror status, reschedule
dates, request a reminder call/text, request a work certificate, and get
directions.
Simply text your six digit juror badge number to (707) 921-1111.

Jury Duty Details

A new one-day/one trial jury system was implemented on January 1, 2000. Under this common-sense program, you need only appear (prepared to serve) for one day unless you are selected to serve on a jury. If you are selected, you serve for the duration of the trial.

When a juror receives a summons card and feels that he/she should be excused. the following are excuses allowable by the Jury Commissioner’s Office:

  • Medical/dental appointment;
  • Out of County on date summoned;
  • Death of juror or family member;
  • Illness (medical verification needed from physician);
  • Family emergency.

Each prospective juror, who appears as summoned, will receive compensation of $15 per day and 34 cents per mile, one way to the court, for each day of service, commencing on the second day of service.

request for exemption

All requests to be excused from jury service, because of undue hardship, shall be made in writing addressed to:

Krista D. LeVier

Jury Commissioner
255 North Forbes Street
Lakeport, CA 94543
Fax number 707-262-1327

Each request for exemption is determined on a case-by-case basis, but generally, if the excuse does not fit into one of the above categories, then the prospective juror is required to appear as summoned and request that the court excuse him/her from service as a juror.

Jury FAQs

How do I get to the courthouse?

The Jury Services Division is open Monday through Friday from 8:00 a.m. to 1:00 p.m. except for court holidays.

The Lakeport courthouse is located at 255 North Forbes Street.

Directions: From Main Street, turn East onto 2nd Street and go one block to Forbes. The courthouse is located on the corner of 2nd and Forbes.

The Clear Lake courthouse is located at 7000A South Center Drive in the South Civic Center.

Directions: From Highway 53, turn East onto Dam Road. Turn left onto Dam Road Extension. Turn left again onto South Center Drive and proceed to the courthouse at 7000A.

What should I expect?

When you appear for jury service, please remember to dress respectfully. Tank tops, shorts and bare feet are not permitted. Because the temperature of the jury assembly areas and courtrooms can be unpredictable, jurors are encouraged to dress in layers.

Juror Fees: You will be paid fifteen dollars per day and $0.34 per mile one-way, unless waived, for the second and subsequent days of service whether you are serving on a case or available to be assigned to a case. No juror will be paid a per diem for their first day of service, including sworn jurors who sit on a one-day trial. It will generally take three weeks after the conclusion of your service to receive your check.

What if I require additional assistance? (ADA)

ADA: If you require some accommodation under the Americans with Disabilities Act, please call 866-838-9172 during business hours and ask to speak to with a clerk.

What happens if I fail to appear?

Every resident who is qualified to serve and who does not have a legal hardship or excuse must appear for jury service when summoned. Willful failure to appear is contempt of Court, and can be punished by fine of up to $1,000.00 and/or five days in the county jail.

If you didn’t appear on the date on your summons, you may request a postponement with this automated system by clicking on the “Online Status” button at the top of this page or by calling the Jury Division during business hours at 866-838-9172.

Contact Us



The Superior Court of California – County of Orange #county #court #reporters, #keywords #here


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WHAT IS AN OC PAY #?

An OC Pay # is assigned to every case. It serves as a unique identifier to allow access to the Court’s automated phone system and web transaction system. Your OC Pay # is printed on the front of the violation information notice on the right of your citation number. Payments, extensions and general Court information can be obtained through the automated phone system using this number.

Enter Case/Citation Number: Submit Clear If you do not have your case/ citation number, click here

Locations Contact Information

Central Justice Center

700 Civic Center Drive West, Santa Ana, CA 92701

Lamoreaux Justice Center

341 The City Drive South, Orange, CA 92868-3205

Harbor Justice Center
Newport Beach Facility
Harbor Justice Center
Newport Beach Facility

4601 Jamboree Road, Newport Beach, CA 92660-2595

North Justice Center

1275 North Berkeley Avenue, Fullerton, CA 92832-1258

Payments for criminal, traffic, and collection cases can be made at the Court’s Mission Viejo facility, 27573 Puerta Real, Mission Viejo, 92691. Starting Feb. 6, 2017, the public windows will be open Monday through Thursday, 8:00 a.m. to 4:00 p.m. and Friday 8:00 a.m. to 3:00 p.m.; the windows are closed for lunch from 12:30 p.m. to 1:30 p.m.
Read more, HERE.

The Court has opened a new call center to assist the public with services and information regarding criminal and traffic cases. Assistance is available in English, Spanish, and Vietnamese by calling 657-622-8459
Read more HERE.

The Superior Court of Orange County is proud to present the Fiscal Year 2016-17 Approved Budget and the Fiscal Year 2016-17 Budget at a Glance. The approved budget summarizes the Court’s operating budget, provides detailed expenditure budget information for each cost center, and includes other summarized information that might be useful to Court staff and the general public. The Budget at a Glance is designed to be a two-sided tri-fold pamphlet providing high-level budget information.
(Please click on Approved Budget, Fiscal Year 2016-17 or Budget At A Glance, Fiscal Year 2016-17 or Abridged Budget Book, Fiscal Year 2016-17 to open the document)

The Juvenile Department has new phone number. You may call (657) 622-6878 and listen to the prompts to reach Juvenile’s new automated phone system.

You may obtain general information using the automated phone system or you may enter your Juvenile traffic case number to get your upcoming appearance information or case balance. The system will not provide case specific information on delinquency, dependency and other confidential case types.

Family Law has a new phone number. You may call (657) 622-8457 and listen carefully to the prompts given to reach Family Law’s new automated phone system. You may obtain general information using the automated phone system or you may enter your Family Law case number to get upcoming hearing information, case balance or to speak to an operator. The system will not provide case specific information on Parentage cases and other confidential matters.

Eservice will allow the court to electronically serve documents, save material, labor and mailing costs, increase service to the public and provide for faster delivery of court documents. Implementation of eService furthers our commitment to an electronic environment. The application also includes automation of mailings that have previously been manually generated. Applicable code section authorities are California Code of Civil Procedure § 1010.6 and California Rules of Court, rule 2.251.
Effective 11/20/15, the Civil Division will eServe the following documents:

  • · Notice of Entry of Judgment (Civil and Small
    Claims)
  • . Notice of Entry of Judgment/Ruling—Small Claims Appeals
  • . Notice of Fees Due
  • . Notice of Fees Due—Electronic Filing
  • . Notice to Reporter to Prepare Reporter’s Transcript on Appeal
  • . Minute orders (when the court clerk is ordered by
    the court to give notice)

For Questions, please call (657) 622-5314

Civil Court Reporter Pooling (Click Here)
Please Note. Effective February 2, 2015, all unlimited civil courtrooms, including the civil complex courtrooms, will shift from one-to-one assignment of a court reporter to a civil courtroom for all hearings to a system where court reporters are assigned to a courtroom as needed for trials and other matters in which oral evidence will be presented.

Electronic Filing system (eFiling) and Electronic Service (eService).
24 hours/day, 7 days/week click here. Frequently asked questions can be accessed here.

On July 1, 2014 the Civil department launched its Proposed Order Module in accordance with rule 3.1312 of the California Rules of Court. All proposed orders and/or stipulations and orders are required to be submitted in a Word version along with a PDF. The only exceptions are those orders that are submitted on mandatory judicial council forms. The launching of this module will provide faster turnaround time for orders submitted to the courtroom and signed orders will now be returned via the original transaction submitted.

The records of the Superior Court of California, County of Orange indicate that a trust fund has money eligible for distribution. These funds were deposited for an arbitration hearing between February 2007 to June 2008. If you believe that you are entitled to claim any of the civil deposits paid to the Court, please file an Arbitrator’s Fee Statement L-0190 form.



The Superior Court of California, County of Riverside – Traffic – Payment of Fines #traffic #accidents #ct, #keywords #here


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You may pay online with a credit card.

For a traffic citation:

To pay online, you must have either your citation number or your case number (search for you case number ). Choose one of the following options:

Sign up for traffic school

You may attend traffic school if you meet the following criteria:

  • Your citation is for a moving violation of the California Vehicle Code
  • You have not attended traffic school within the past 18 months for any other violation.
  • If you citation is for speeding, you did not exceed 25 mph over the posted speed limit.
  • You were not operating a commercial vehicle at the time of the violation.
  • Your citation does not contain a charge that requires a mandatory court appearance.
  • You were not cited for alcohol or drugs.
  • Requesting Traffic School

    If you wish to attend traffic school, you must attend a DMV-approved course (see below). Select one of the following options:

    • Online
    • By telephone: 951.222.0384
    • In person at any Traffic Court location.
    • By mail: Please make your check or money order payable to ‘Riverside Superior Court’ and note your citation number on the check. Send your check for the full amount of your fine plus the $57.00 traffic school processing fee to:

    Payment Processing Center
    505 S. Buena Vista Rm. 201
    Corona, Ca. 92882

    • You must provide one of the following court codes to the traffic school you attend:
      • Western Region (Banning, Corona, Hemet, Moreno Valley, Murrieta, Temecula): 33460
      • Desert Region (Blythe, Indio): 33450

    NOTE: You may request a payment plan for traffic school (a $35 administrative fee will apply). Traffic school payment plans must be paid in three (3) installments. To establish a payment plan online, click here.

    Traffic School Lists:

    When accessing the above DMV website, click on ‘Start Search’, then ‘Access the system’, then select, ‘Traffic School List’. Click on ‘Get Traffic School List’ then select from drop down list. ‘Classroom Course, Home Study Course, or Internet Course’. Follow the directions to locate a Traffic School.

    NOTE: If you are eligible for traffic school and decide not to attend, your automobile insurance may be adversely affected. One conviction in any 18-month period will not show on your driving record if you complete a traffic violator school program. If you are not eligible to attend but do so anyway, the conviction will be reported on your driving record and there will be no refund of any fees paid.

    Sign Up for a Payment Plan

    Traffic Fine and Traffic School Payment Plans

    You may request a payment plan if you are unable to pay the full amount on your traffic case (a $35 administrative fee will apply). For traffic school, payment plans are available and must be paid in three (3) equal installments. To establish a payment plan online, click here.

    To pay by mail complete the Agreement to Pay Traffic Fine in Installments or the Agreement to Pay Traffic School in Installments. Once completed, send your signed agreement, your courtesy notice payment coupon, the $35 administrative fee and your first installment payment of $50 to:

    Payment Processing Center
    505 S. Buena Vista RM. 201
    Corona, CA 92882

    Proof of Correction

    Correctible Violation Only:

    If you have a correctable violation (as noted on your citation) and you are submitting proof of correction, you must send $25 for each corrected violation. You may take your citation to any law enforcement office during normal business hours so the officer can sign the back of your citation. Send the signed Proof of Correction and your check or money order payable to “Riverside Superior Court” to:

    Payment Processing Center
    505 S. Buena Vista, Rm. 201
    Corona, CA 92882

    Your proof of correction may also be paid by credit card and submitted by fax at 951.777.3350. See information about how to fax file.

    NOTE: If the fine on your case has already been paid, a proof of correction will not be accepted.

    Correctible AND Moving Violation:

    If you have both a moving violation and a correctible violation, you must resolve the moving violation at the time of submitting your proof of correction.

    Lost Citations:

    If you lost your citation, follow the steps listed below:

    Step 1: Download the Certificate of Correction form.
    Step 2: To complete the form you will need information from your case. Search for your case number.
    Step 3: Follow instructions on the form and return it to the court by mail or fax. See information about how to fax file.
    Send your signed Proof of Correction and your check or money order payable to “Riverside Superior Court” to:

    Payment Processing Center
    505 S. Buena Vista, Rm. 201
    Corona, CA 92882

    You may pay your fine by mail with a check, money order or credit card information.

    Make your check or money order payable to Riverside Superior Court and please include your case number.

    If paying by Visa, MasterCard, American Express, or Discover, please complete the payment coupon located on the bottom of your courtesy notice.

    Mail payments and the coupon on the bottom of your courtesy notice to:

    Payment Processing Center
    505 S. Buena Vista Rm. 201
    Corona, CA 92882

    Use CHECKFREEPAY Service

    You can pay your fine by using CheckFreePay service. To find a participating retail location click here.

    Bring cash and your courtesy notice or citation. The courtesy notice or citation contains information you will need for your fine payment transaction.
    The cost for this service will range between $0.88 – $2.50 (check with your retail location for more information).

    Please allow 1-3 business days for your payment to post to the Riverside Superior Court.

    You can pay your fine by using MoneyGram.

    Payments can be made at approximately 35,000 retail locations nationwide.

    MoneyGram will also accept cash and debit card payments at certain locations. To find a location or get more information, call 1-800-MONEYGRAM. Use Receive Code 7660 when making a payment.

    To pay online through MoneyGram using a credit card or debit card with the Visa / MasterCard logo, visit www.moneygram.com and select Pay Bills.
    Enter the Receive Code 7660 and follow the instructions on the screen to complete your payment.

    Note: There is a transaction fee ranging from $2.99 to $4.99 based on the transaction amount.

    Directly From Your Bank Account

    If you do online banking, many banks or financial institutions offer online bill pay and you can pay your fine through your bank account. Please check with your bank or financial institution for more information.

    Go to a Courthouse Lobby Using a Kiosk or Self Service Terminal

    For your convenience, a Drop Box, Kiosk (except Blythe) or Self-Service Terminal is available from 7:30 a.m. – 5:00 p.m. at the following locations:

    Drop Box:

    You may submit documents or payments in the drop box. All submissions will be processed on the next business day.

    Kiosk:

    You may make cash or check payments on your traffic fine. All payments will be processed on the next business day. A $3.00 convenience fee will apply.

    Self-Help Terminal:

    You may print forms, schedule a clerk appointment, schedule a court appearance, request a court trial, pay your fine, get an extension or sign-up for traffic school at any of the Self-Help Terminals.

    You may pay your fine in full or make a payment (if you have previously set up payment arrangements) by telephone with a Visa, MasterCard, American Express or Discover card. Call 951.222.0384.

    This option is available 24 hours a day, seven days a week.

    Touch tone features are available in both English and Spanish.

    Sign Up for a Payment Plan

    You may request a payment plan if you are unable to pay the full amount on your traffic case (a $35 administrative fee will apply). For traffic school, payment plans are available and must be paid in three (3) equal installments. To establish a payment plan online, click here.

    To pay by mail complete the Agreement to Pay Traffic Fine in Installments or the Agreement to Pay Traffic School in Installments. Once completed, send your signed agreement, your courtesy notice payment coupon, the $35 administrative fee and your first installment payment of $50 to:

    Payment Processing Center
    505 S. Buena Vista RM. 201
    Corona, CA 92882

    © 2017 Superior Court of California, County of Riverside



    ADN VS BSN #nursing-discussions, #area, #lpns, #hospitals, #currently, #that, #phased, #obtain, #become, #employed, #work, #even, #hire, #more, #advised, #toward, #they, #being, #because, #market, #would, #only, #current, #employees, #timeline, #given, #have, #many, #here, #which


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    ADN VS BSN

    Dec 23, ’14 by akulahawkRN. ASN, RN, EMT-P Pro

    I’ll put it to you like this: ADN is not a complete waste of time. The core nursing stuff is identical in both ADN and BSN programs. The BSN program adds a few things extra that won’t be provided to the ADN because the BSN, by definition, is a 4 year degree. For the ADN that already has a Bachelor’s of Science in a healthcare field other than Nursing, there are essentially two areas that still are specific to the BSN: Nursing Advocacy and Community Health/Public Health Nursing.

    That being said, because of various conditions at play now, employers have the ability to choose the kind of employee they want to hire and right now, many of them are preferring to hire BSN grads but will hire an ADN grad if there are no BSN grads that are suitable (does happen). Back when I started the process some 7 years ago, I knew that the BSN would be the way to go but being that I already had a Bachelor’s, I could either attend a very expensive program or not attend a BSN program at all because the local public university was closed to all second Bachelors students (like me). My only option was to attend an ADN program and do an RN-BSN upgrade another way, which is still my plan. I will earn a BSN within the next 2 years, if not sooner.

    Thusly I give this advice: Getting licensed is better than still waiting to enter a program. To that end, apply everywhere you are qualified to apply to. Have an eye toward BSN. If you’re selected for an ADN program and you’re still qualified to attend a BSN program, apply to the BSN program until the start date for that is later than the start of your 3rd semester of an ADN program. The reason for that is simple: after that, it will take the same amount of time to do the traditional BSN as it would take to complete the ADN program and do an RN-BSN program. That route may also be cheaper.

    Of my own employment opportunities, I am only shut out of one employer right now because I don’t have a BSN. The other hospitals prefer the BSN but they will just as readily hire ADN RN’s. With those employers, the BSN may get you into the interview room faster.

    Dec 23, ’14 by caliotter3

    An ASN is not a waste of time because one can use that degree to get an RN license and work somewhere. The BSN degree is more convenient in the long run because it will lead to an RN license and more job opportunities.



    Printable Buy Buy Baby Coupon Policy #printable #buy #buy #baby #coupon #policy, #get, #your, #valid, #coupons, #here


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    Printable Buy Buy Baby Coupon Policy

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    Here s How to Finance Your Remodel #auto #loan #interest #rates


    #renovation loan
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    Here’s How to Finance Your Remodel

    By Sid Davis (Page 2 of 6) Back Page 2 of 6 Next

    Loan-to-value ratio. To determine the loan amount, lenders use the loan-to-value ratio (LTV), which is a percentage of the appraisal value of your home. The usual limit is 80 percent or $100,000 for a $125,000 home (.805125,000). Lenders subtract the mortgage balance from that amount to arrive at the maximum you can borrow. Assuming your balance is $60,000, the largest loan that you can obtain is $40,000 ($100,000-$60,000=$40,000).

    If you have a good credit rating, a lender might base your loan on more than 80 percent of the LTV; if you don’t, you might get only 65 to 70 percent. While many lenders go to 100 percent of the LTV, interest rates and fees soar at these higher ratios.

    Your income. If you also have high expenses, a high income level might not mean a larger loan. Lenders follow two rules to minimize their risk:

    Your house payment and other debt should be below 36 percent of your gross monthly income.

    Your house payment alone (including principal, interest, taxes, and insurance) should be no more than 28 percent of your gross monthly income.

    The maximum debt-to-income ratio rises to 42 percent on second mortgages. Some lenders go even higher, though fees and rates get expensive as will your monthly payment. However, a debt-to-income ratio of 38 percent probably is the highest you should consider carrying.

    The LTV determines how much you can borrow, and your debt-to-income ratio establishes the monthly payment for which you qualify. Within these two limits, the biggest trade-offs are interest rates, loan term, and points.

    Interest rates. The less interest you pay, the more loan you can afford. An adjustable-rate mortgage (ARM) is one way to lower that rate, at least temporarily. Because lenders aren’t locked into a fixed rate for 30 years, ARMs start off with much lower rates. But the rates can change every 6, 12, or 24 months thereafter. Most have yearly caps on increases and a ceiling on how high the rate climbs. But if rates climb quickly, so will your payments.

    Loan term. The longer the loan, the lower the monthly payment. But total interest is much higher. That’s why you’ll pay far less for a 15-year loan than for a 30-year loan if you can afford the higher monthly payments.

    Points. Each point is an up-front cost equal to 1 percent of the loan. Points are interest paid in advance, and they can lower monthly payments. But if your credit is less than perfect, you’ll probably have to pay points simply to get the loan.



    Landmark Cash: Bad Credit Personal Loans (Click Here) #business #loans #for #women


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    Bad credit loans

    should be used as short term loans that you can repay easily. When you apply on Landmark Cash you will have the opportunity to accept or reject the loan and review the terms.

    The Truth in Lending Act makes sure you are protected during the application process. This law requires all lenders to disclose any associated fees and the interest rate of the loan being offered.

    Typical reasons why personal loans for people with bad credit are sought after include emergencies, bills, car repairs and other unexpected situations. Landmark Cash wants to make sure you fully understand that you will be responsible for repaying your loan. If you are late making a payment there is a possibility you will incur a penalty. If you abandon your loan payments your credit could be affected.

    First time customers will not be able to borrower more than $1000 dollars at a time. Applicants must be at least 18 years old and have a job. You must make at least $1000 dollars every 31 days and have a checking account.

    When you complete an application Landmark Cash will match you with lenders that offer loans for bad credit. We are not bad credit personal loan lenders, we only provide a matching service. Most lenders offer same day loans which allows you to get your cash today.



    Drowning in student loan debt? Here – s help – NBC News #used #car #loans


    #help with student loan debt
    #

    Drowning in student loan debt? Here s help

    Gan Golan, of Los Angeles, dressed as the Master of Degrees, holds a ball and chain representing his college loan debt. Jacquelyn Martin / AP

    As college students start the fall semester, millions of graduates (and drop-outs) struggle to pay off a mountain of student loan debt – more than $1 trillion dollars, according to the Student Loan Debt Clock. That’s more than all the credit card debt Americans owe.

    College seniors who graduated with student loans in 2010 owed an average of $25,250, according to the latest data from The Project on Student Debt. That’s up five percent from 2009.

    And these days, a college degree doesn’t guarantee employment, let alone a good-paying job.

    “You don’t realize the seriousness of paying back that loan until you finish school,” said Langdon Bueschel of Seattle, who needed financial aid to attend the University of Washington.

    When he graduated in 2008, Bueschel had a degree in English and $12,000 in student loan debt. He has a job designing online advertising, but most of his money goes to living expenses. Because he missed so many payments, his balance now stands at $18,000 and counting.

    “I could have been more responsible and paid more quickly,” he admitted, “but sometimes things come up.”

    The most recent report from the U.S. Department of Education found that more than 320,000 borrowers had defaulted on their student loans as of September 2010. That is, they were 360 days or more late in making their payments.

    Can’t handle your student loan payments?

    You may have options and there’s an easy way to find them. The Student Debt Repayment Assistant on the Consumer Financial Protection Bureau (CFPB) website can help students – and their families – figure out the best repayment options and what to do if they’re behind in their payments.

    “You just answer a few questions and we’ll be able to point you to the best repayment program or action you should take in order to best manage your debt,” said CFPB student loan ombudsman Rohit Chopra.

    First, you need to know what type of loans you have – government, private or both – because the remedies are different. Not sure? The Student Debt Repayment Assistant has a link to the National Student Loan database where you can find out.

    “We can lead you in the right direction for the income-based repayment program on federal loans and we can tell you how you might negotiate with your private student lender,” Chopra explained. “Let’s say you’ve fallen behind like so many people have, we can even tell you about ways to negotiate with debt collectors and maybe even get your credit report fixed so you can get back on track.”

    Of course, nothing’s guaranteed. But your chances of modifying the repayment terms are fairly good with a student loan from the federal government. Private lenders are generally not as willing to help. Still, it’s worth a try.

    “Options vary by lender, but many private student loan programs offer borrowers a partial forbearance during which the borrower makes interest-only payments for a short period of time until the borrower can get back up on his or her feet,” said Mark Kantrowitz, publisher of FinAid.org and Fastweb.com. “This keeps the loan balance from growing bigger and digging the borrower into a deeper hole.”

    Kantrowitz points out that some private lenders may make reductions in the loan balance or interest rate when the hardship is of a more permanent nature and they know they are unlikely to recover the full amount owed.

    Remember: it is virtually impossible to discharge any type of student loans in bankruptcy. This obligation stays with you forever.

    More information:



    Find Loans for People on Benefits – Compare Providers Here #online #auto #loans


    #loans for people on benefits
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    Find Loans for People on Benefits – Compare Providers Here

    Home Credit Find Loans for People on Benefits – Compare Providers Here

    Living on benefits is never easy. Planning your life around the schedule of your benefit payments is inconvenient at the best of the times. Often it’s completely impossible.

    It’s a fact of life that, inevitably, we all meet with unexpected expenses from time to time. If this happens in-between your benefit payments things can get a little too close for comfort.

    One of the most effective ways to fashion yourself some breathing room is by taking out a short term loan. However, there are a number of things to consider first.

    Interest Rates

    You will find it practically impossible, especially in today’s financial climate, to get a loan from a major bank. If you are considering getting a loan whilst on benefits then, unfortunately, you will have forget about the interest rates you have seen advertised on the high street.

    The lenders you are more likely to secure a loan from operate in what is known as the “sub-prime” market. Whilst you may be used to hearing of interest rates between around 10%-20%, the typical APR on a loan form a sub-prime lender will be somewhere from 500%-4,000%. Some are in the tens of thousands.

    For this reason it is best to borrow on small amounts for very small periods of time, otherwise the amount owed will rise rapidly and you may risk defaulting your repayments. This will impact on your credit rating.

    Loan Amounts and Guarantors

    If you are unemployed the absolute largest amount you are likely to secure a loan for is £3,000, however, only very few lenders offer this much to people who are on social security. Their interest rates are very high and their collection policies are inflexible, meaning if you are unable to keep up with repayments, which realistically, considering the APR, is likely, you’ll be facing all sorts of trouble. Event then, these lenders will only lend an amount such as £3,000 if you have a guarantor.

    A guarantor is somebody who is willing to make your repayments for you should you fail to do so. It can be anybody but it is normally a close friend or family member. Being a guarantor is a big commitment as they are making themselves legally liable to pay off the loan if you can’t and as such guarantor loans need to be thought about carefully.

    Furthermore, they will need to have a job with a decent income and a good credit history, as they will be credit checked by the lender. This means they can’t have received a CCJ or defaulted a payment in the last six years, or be on an IVA or be bankrupt .

    If you are lucky enough to have someone willing to stand as a guarantor for you, it’s worth figuring out between you if it would not be wiser for the guarantor to get a loan in their name and then lend to you as a friend. This is also a big commitment but may ultimately be cheaper and there are typically more lenders for people with good credit then there are guarantor loan lenders.

    For one thing, with their good credit history and income, they should be able to go to a high street lender and get a loan with a considerably lower APR. Secondly, high street lenders can be easier to negotiate with if you run into any troubles and so will your friend/relative.

    If you don’t have a guarantor, which most people don’t, you’ll find it hard to get more than £1,000.

    Credit Checks and Credit History

    Your credit history is also going to be a factor. If you receive a County Court Judgement (a court order to pay an outstanding bill or debt) or receive a default notice (a letter from a company which comes after a final warning to tell you that you’ve defaulted, or failed, to pay outstanding monies) both of these will stay on your credit history for up to six years, limiting the amount you can borrow and the types of lender you can approach.

    There are a number of websites that you can go to in order to find out exactly what your credit score is and what is on your credit history. You normally have to pay for this service, however, it is worth doing. Many people who have received default notices don’t know about it, often losing the actual notice itself amongst other bills and documents.

    Some short term lenders may not credit check you at all, but be honest with yourself. Will you actually make repayments on time? If not, don’t get the loan. These same short term loans are generally loaded with lots of extra fees and charges for failed and late payments. This is on top of the interest so be sure you can pay on time.

    Secured Loans

    A secured loan is where you, the borrower, have to provide collateral to the lender as a kind of deposit for the loan. One particularly common form of secured loan offered to people on benefits or with poor credit are loans secured against cars. This is good news if you have a car or some other form of capital, as it opens up the option of secured loans to you.

    However, if you fail to keep up repayments you will lose your car. Losing capital is the last thing you need when you’re already in a tight spot, therefore you have to asses the risk you are taking very carefully.

    In other instances you may be asked by a lender to pawn some of your possessions in order to get access to a loan. This is similar but less risky as you know where you stand and, generally, the possessions will be worth less than a car. Again the interest rates are very high, so there’s no point sacrificing your possessions if you can’t afford the repayments anyway. You’d be better of selling them for cash. The amount raised would be smaller but at least you’d avoid accruing interest or harming your credit rating.



    Subprime auto loans are up. Here s why that s not a crisis – Jan. 4, 2015 #secured #loans #calculator


    #best auto loans
    #

    Subprime auto loans are up. Here’s why that’s not a crisis

    Subprime auto loans are making a comeback.

    So, is there another subprime financial crisis in the making? Experts say it’s not likely.

    For one thing, the overall auto loan market is comparatively small — $900 billion — compared to $8 trillion of mortgage loans. Subprime currently makes up about 30% of overall car loans.

    Cars cost a lot less than homes. And, historically, borrowers tend to make car payments a higher priority than mortgage payments or credit card bills.

    The thinking is that subprime auto loan borrowers will not default in big numbers the way homeowners did because they need their cars to get to work, school and for many other daily necessities.

    The numbers back that up. In November, 0.71% of all subprime auto loans were in default, barely higher than the 0.69% in default a year earlier, according to Equifax.

    Analysts also point out that subprime loans are rising along with an overall rise in lending.

    The main reason overall auto loans are up is because car sales have been strong. U.S. auto sales are on track to reach 16.5 million this year, up from last year and near a record high.

    “The reason subprime is growing is because sales are growing,” said Marc Cannon, a spokesman for AutoNation ( AN ). the nation’s largest auto retailer.

    Auto sales have soared as the economy has improved and unemployment has declined. The low interest rates are also making it more affordable to finance a new vehicle.

    Even so, the rise in subprime auto loans has caught the attention of regulators.

    The concern is that lightly-regulated finance companies, as opposed to banks, are fueling the subprime market, according to Richard Cordray, director of the Consumer Financial Protection Bureau.

    “In this market, as in others, subprime borrowers may be more vulnerable to predatory practices, so direct oversight of their lending practices is essential,” Cordray pointed out in September.



    Cash Till Payday Loan – We Are Here When You Need That Cash Till Payday Loan And We Will Give You A 99% Superior Approval Every Time You Apply For A Quick Loan. #payday #loans #for #people #on #benefits


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    Need A Cash Till Payday Loan? If you are looking for cash till you next payday, you have come to the right place. We have introduced the most valuable cash advance payday loan policy on the web. If you have run out of cash and need an urgent payday loan to tide you over, our payday loan online is the ultimate alternative for you. Fill out our cash till payday loan application form and we will take care of the rest for you. Whenever you find that you need a quick payday loan to get rid of any tricky situation, get in touch with MySEONetwork.

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    Payday lenders are here when you need them #loan #consolidation #calculator


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    Payday lenders are here when you need them

    Everyone seems to be struggling these days. Just when you think the crunch is over. more people are losing jobs. For people who still have jobs, inflation is taking a huge bite out of the budget. It’s tough just to keep food on the table. If this sounds like you, remember that payday lenders are available to help tide you over until your next payday.

    At Personal Money Market, we work with payday lenders to get you quick, hassle-free, online payday advances. You can apply for up to $1,500. The application process is fast and easy. There s typically no credit check and no need to fax anything in most cases. Find out how easy it is to make ends meet between paydays by applying for an online cash advance today.

    Payday lenders get money to your account quickly

    The last thing you need when you need money right away is more frustration and hassle. At Personal Money Market, we make it easy and hassle-free to get an instant payday loan to tide you over. We network with payday lenders to find the best loan to meet your request. It takes just a few moments to complete our loan application. In many cases, your money can be available in as little as two hours.

    Payday lenders put cash in your pocket

    A payday loan from one of our payday lenders is as easy-to-use as cash in your pocket. Once your loan application is approved, our payday lenders deposit funds directly to your checking account. Once they re in your account, of course, the funds are yours to spend however you wish. Our payday lenders make it possible for you to do anything you need from something as basic as keeping food on the table to something as personalized as celebrating a special occasion.

    Apply Now! Payday lenders deposit cash to your account so that you can catch up on your bills or make an urgent home repair. Payday lenders are a great resource for managing your budget – and they re so easy to work with.

    At the end of the day, you ll be so relieved

    Anyone who has ever struggled with money issues – and really, who hasn t at one time or another? – understands what a relief it is to turn in at night knowing the bills are paid, the kids are fed, and the household is in working order. It can be tough to get a good night s sleep when money issues – however big or small – fill the room.

    Getting a cash advance from payday lenders lets you spread your finances out between paydays so that you don’t have to fall behind on the bills or put off projects that need to be taken care of. And payday lenders can help you with unexpected emergencies. too. No matter how carefully you plan, when you live from paycheck to paycheck, unexpected things happen, and they usually involve money. So stop struggling and let our payday lenders help you smooth things out.

    When you run out of cash, turn to payday lenders for help

    It happens to everyone every so often – somehow you run out of cash. Running out of cash can be a minor social embarrassment, or a significant problem, like an uninsured medical expense. Whatever it is, when you’re out of cash, payday lenders are available to get you through until payday. It makes sense to take action before it’s too late. When you know that you aren’t going to have enough money to do the things you need to do before payday, take just a couple of minutes to apply for a payday advance in advance. before problems arise.

    A little money in your pocket can change everything

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    I Applied For An Online Payday Loan. Here s What Happened Next: Planet Money: NPR #instant #loan


    #online payday loan
    #

    Listen to the Story

    Payday lenders made about $49 billion in high-interest loans last year. More than a third of those loans were made online. I wondered what happens when you apply for such a loan, so I decided to find out.

    In the course of reporting a story earlier this year, I logged on to a site called eTaxLoan.com and filled out an application.

    I asked for $500 and, to be safe, I made up an address, a name (Mary) and a Social Security number. The site asked for more sensitive stuff — a bank account number and a routing number — and I made that up, too.

    In spite of the made-up information, in less than a minute, I got a response.

    “Congratulations. Tremont Lending has been selected as your lender and you have been pre-approved for a loan up to $750.”

    If I wanted to borrow $750 for a week, I would have had to pay $225 in interest. The site said that was an annual percentage rate of more than 1,300 percent.

    I did not agree to take the loan.

    But within minutes, my phone rang (I had entered my real phone number). It was a guy from Tremont Lending, in South Dakota. I told him I was a reporter, that I didn’t really want a loan, and I figured that would be the end of it. But then, I started to get more calls.

    “Hi, Mary. My name is Ethan, Ethan Foster, and I’m calling from InstaLoan. And this call is regarding the loan application which you put online. It has been successfully approved by our company as a personal loan.”

    And:

    “This message is intended for Mary Kettler. Mary, the very second you receive this message, I need your urgent attention to return the call. My name is Tom Watson.”

    For months, I got dozens of calls. Many of the callers had strong foreign accents. One caller, who said his name was Kevin, told me that Mary had been approved for a loan of up to $5,000 — 10 times what I initially asked for.

    Kevin said he was from a company called Cash 4 You, which was unconnected to eTaxLoan.com. By this point, I was wholly confused. ETaxLoan had said it was a secure site, but now, many different companies had my application — and, presumably, my personal information.

    It turns out there’s a huge online bidding process for such loans. ETaxLoan isn’t a lender at all, but something called a lead generator. It finds potential customers, then passes them on.

    When I tried to contact eTaxLoan to learn more, I might as well have been looking for the holy grail. The company’s customer service line connected to a recording that said “due to an overwhelming response to great loans,” it could not take calls. The site lists an address in Delaware — but the company isn’t at that address. I spent days trying to find the company’s physical location, without success.

    And when I tried to call back the people who had offered me loans, I couldn’t get through.

    But eventually, I did find someone willing to talk about the business. Jack Murray heads Fix Media Group, in Virginia, which has a site called wefixmoney.com. Murray says his company — not unlike eTaxLoan — is really a marketing firm.

    “We are a matching service, just like an Expedia is for a travel company or a Hotels.com is for a hotel company,” Murray says.

    But instead of matching travelers with hotels, Murray matches those who need cash — and can’t get it elsewhere — with those willing to lend.

    For that, he might get anywhere from $1 to $100 per lead. Murray draws a big distinction between his company and others in the business. He says he’s completely aboveboard and works only with partners he trusts.

    “We have a pretty limited network of lenders, and we know what each of our lenders is looking for,” he says. “So whether it’s a certain state or other qualifications or characteristics of the customer, it will match the appropriate lender based on those things.”

    Murray says neither he nor his lenders resells personal data, like the kind I submitted. But he says that others do, and that’s likely what happened in my case. It doesn’t take long online to discover there’s a whole network of people trying to buy and sell payday loan leads.

    None of this surprises Benjamin Lawsky, the superintendent of financial services for New York state and one of many regulators trying to clamp down on payday lending.

    “Once you made that application, you basically sent up a red flag with them that you are someone in need of this money, and you need it on a short-term basis,” he told me. “That’s when the vultures come out.”



    Here s how banks calculate home loan eligibility. #free #mortgage #calculator


    #home loan eligibility
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    Here’s how banks calculate home loan eligibility

    Updated on: July 15, 2011

    T his article is aimed at clearing doubts over how a bank calculates your net income while calculating the eligibility for total home loan amount. Normally, all banks provide home loans up to 60 times your monthly net income.

    • You have a monthly in-hand (take home) salary as Rs 50,000 and you are looking for a home loan of about Rs 30 lakh.
    • Your gross monthly income might be much more than Rs 50,000 per month but that does not matter while calculating the net income.
    • You don’t have any other loan like car or personal loan on your name.
    • Bank rules say that you are eligible to get 60 times your monthly net income as loan.

    Well, all sounds good till the time you are talking to your bank executive or an agent over phone for your eligibility. They ask you for your net income, you answer Rs 50,000 per month and they immediately say that you are eligible for a loan that is 60 times your monthly net income, that is, Rs 30 lakh. You are excited that everything is going as per your expectations and think you will get the amount you were looking for.

    Click NEXT for more



    Subprime auto loans are up. Here s why that s not a crisis – Jan. 4, 2015 #how #to #pay #off #debt


    #best auto loans
    #

    Subprime auto loans are up. Here’s why that’s not a crisis

    Subprime auto loans are making a comeback.

    So, is there another subprime financial crisis in the making? Experts say it’s not likely.

    For one thing, the overall auto loan market is comparatively small — $900 billion — compared to $8 trillion of mortgage loans. Subprime currently makes up about 30% of overall car loans.

    Cars cost a lot less than homes. And, historically, borrowers tend to make car payments a higher priority than mortgage payments or credit card bills.

    The thinking is that subprime auto loan borrowers will not default in big numbers the way homeowners did because they need their cars to get to work, school and for many other daily necessities.

    The numbers back that up. In November, 0.71% of all subprime auto loans were in default, barely higher than the 0.69% in default a year earlier, according to Equifax.

    Analysts also point out that subprime loans are rising along with an overall rise in lending.

    The main reason overall auto loans are up is because car sales have been strong. U.S. auto sales are on track to reach 16.5 million this year, up from last year and near a record high.

    “The reason subprime is growing is because sales are growing,” said Marc Cannon, a spokesman for AutoNation ( AN ). the nation’s largest auto retailer.

    Auto sales have soared as the economy has improved and unemployment has declined. The low interest rates are also making it more affordable to finance a new vehicle.

    Even so, the rise in subprime auto loans has caught the attention of regulators.

    The concern is that lightly-regulated finance companies, as opposed to banks, are fueling the subprime market, according to Richard Cordray, director of the Consumer Financial Protection Bureau.

    “In this market, as in others, subprime borrowers may be more vulnerable to predatory practices, so direct oversight of their lending practices is essential,” Cordray pointed out in September.



    Here s how banks calculate home loan eligibility. #lowest #auto #loan #rates


    #home loan eligibility
    #

    Here’s how banks calculate home loan eligibility

    Updated on: July 15, 2011

    T his article is aimed at clearing doubts over how a bank calculates your net income while calculating the eligibility for total home loan amount. Normally, all banks provide home loans up to 60 times your monthly net income.

    • You have a monthly in-hand (take home) salary as Rs 50,000 and you are looking for a home loan of about Rs 30 lakh.
    • Your gross monthly income might be much more than Rs 50,000 per month but that does not matter while calculating the net income.
    • You don’t have any other loan like car or personal loan on your name.
    • Bank rules say that you are eligible to get 60 times your monthly net income as loan.

    Well, all sounds good till the time you are talking to your bank executive or an agent over phone for your eligibility. They ask you for your net income, you answer Rs 50,000 per month and they immediately say that you are eligible for a loan that is 60 times your monthly net income, that is, Rs 30 lakh. You are excited that everything is going as per your expectations and think you will get the amount you were looking for.

    Click NEXT for more



    Subprime auto loans are up. Here s why that s not a crisis – Jan. 4, 2015 #government #loans


    #best auto loans
    #

    Subprime auto loans are up. Here’s why that’s not a crisis

    Subprime auto loans are making a comeback.

    So, is there another subprime financial crisis in the making? Experts say it’s not likely.

    For one thing, the overall auto loan market is comparatively small — $900 billion — compared to $8 trillion of mortgage loans. Subprime currently makes up about 30% of overall car loans.

    Cars cost a lot less than homes. And, historically, borrowers tend to make car payments a higher priority than mortgage payments or credit card bills.

    The thinking is that subprime auto loan borrowers will not default in big numbers the way homeowners did because they need their cars to get to work, school and for many other daily necessities.

    The numbers back that up. In November, 0.71% of all subprime auto loans were in default, barely higher than the 0.69% in default a year earlier, according to Equifax.

    Analysts also point out that subprime loans are rising along with an overall rise in lending.

    The main reason overall auto loans are up is because car sales have been strong. U.S. auto sales are on track to reach 16.5 million this year, up from last year and near a record high.

    “The reason subprime is growing is because sales are growing,” said Marc Cannon, a spokesman for AutoNation ( AN ). the nation’s largest auto retailer.

    Auto sales have soared as the economy has improved and unemployment has declined. The low interest rates are also making it more affordable to finance a new vehicle.

    Even so, the rise in subprime auto loans has caught the attention of regulators.

    The concern is that lightly-regulated finance companies, as opposed to banks, are fueling the subprime market, according to Richard Cordray, director of the Consumer Financial Protection Bureau.

    “In this market, as in others, subprime borrowers may be more vulnerable to predatory practices, so direct oversight of their lending practices is essential,” Cordray pointed out in September.



    Cheap Unsecured Loans UK- UK Citizen lend Money here #loans #with #no #credit


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    Cheap Unsecured Loans UK

    These are loans that are offered to the UK citizens to handle their financial situations easily and one does not require to pledge security to qualify for the loans. These loans are mainly offered online which makes the application process very easy and fast since all you need to do is fill in a simple application form and wait for your loan to be processed. Since these loans are not secured, they normally have short repayment periods for the lender to minimize the risks of losing his money in case the borrower fails to honor his debt.

    Need Unsecured Loans. –Click Here to Get Guaranteed Approval

    People Those have bad credit –Click Here to apply for loan and get approved for money up to $1000 without faxing. no credit check. All credit score people are approved with top lenders hassle free

    Obtaining cheap unsecured loans UK

    It’s very easy to obtain these loans and you start by searching online for the lenders offering them. The application process is very simple since all you have to do is fill in a short application form with your details and submit it for 100% approval. To guaranteed qualify for the loans, the borrower must satisfy the following requirements:

    • Should be above18 years of age

    • Must be a UK citizen or a permanent resident

    • Need a current and active checking account

    • Should be employed with a monthly income

    Some lenders may decide to check the credit history of the borrower to reduce the risks involved in lending money to people with bad credit history. This is also important because the lender will lend you large loan amounts if he trusts in you to repay the loan with bad credit and this might also come with a lower interest rate. Once you qualify for the loan, the money is directly wired to the checking account.

    Reducing the cost of borrowing

    There are many lenders offering cheap unsecured loans UK and you can take the increased competition to your advantage. Apply for quotes from different lenders and compare them to find the lender with the best terms and lower interest rates. There are also online comparison sites owned by brokers and you can also use them although some may charge you a small fee.

    It’s very advisable that you clearly go through the terms and conditions to ensure that you understand all the details in the fine print. This is important especially because some companies may offer you low interest rates to lure you into their business but later end up having some hidden charges. You can also keep your cost of borrowing cheap unsecured loans UK low by dealing directly with the lenders rather than using the brokers to avoid the brokerage fee.

    Caution with Lender’s online application

    Be aware of hoax companies pretending to be lenders as there are many available online waiting to get hands on your cash. You can easily identify them because they have very unclear online websites and they will also ask for a primary fees during processing the application. Ensure also that you are dealing with a lender who will treat your financial information with utmost confidentiality.

    Obtaining cheap unsecured loans UK can be quite easy with the right information. Consult your friends or perform some conclusive online research to identify the best lender and one with good reputation for a smooth borrowing process.



    Christmas Loans Bad Credit. Prepare For Xmas Here With A Cheap Cash Loan. #military #payday #loans


    #christmas loans
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    Christmas Loans For Bad Credit History

    Christmas Loan Bad Credit .Co.UK can help match anyone in search of an Xmas loan for poor credit history with a lender (fee free) willing to offer them money for any purpose, be it a loan to pay for essential bills like electricity and gas or for buying Christmas presents to make Christmas 2015 a great one. Christmas is a popular time of year that costs hard pressed families up and down the United Kingdom a small fortune, leaving many people running on an incredibly tight budget that they just can t stretch far enough, meaning many are left with little choice but to seek out a short-term cash loan to get them through until the month after Christmas in which they get paid.

    The majority of families with children who they have to shell out to buy presents for often find themselves short of cash very shortly after the 25th of December and the subsequent Boxing Day has passed, making the coming New Year a bleak prospect. By taking out a short term Christmas loan people will be able to meet their financial obligations, make Xmas Day perfect and go into the new year with a bit of money behind them. As we specialise in dealing with bad credit history applications, defaults and CCJ s (County Court Judgments) are not a barrier to loan application acceptance. Apply online today.

    MORE INFO

    Highly secure, easy to use, online application form. Lending criteria is very flexible, impaired (bad) credit is welcome. Transparent, cheap pricing on all loans. Cash can be sent in a matter of hours after application success. Applicants must be 18 or over working full time or part time and have a UK bank account.

    APPLY ONLINE

    We accept Christmas loan enquiries online, via the application form page. The loan application form asks only the relevant questions that we have to ask. If you have all of your details to hand it doesn t take very long to fill out. As soon as you send the enquiry we will receive it via email instantly.

    QUICK XMAS CASH

    We understand the importance of dealing with loan applications quickly and have a very efficient set up in which we can ensure a very quick response, whether the loan is successful or not we ll let you know quickly. Provided your bank accepts faster payments, you may be able to obtain cash on the very same day you applied.

    BORROW RESPONSIBLY

    Borrowing money is the formation of a commitment that has consequences if it is not maintained. Only borrow what you are sure you can afford to repay back and avoid negatively affecting your credit score and file. For more advice, visit the MoneyAdviceService.org.uk.

    Our most recent content, hot off the press!



    Cheap Unsecured Loans UK- UK Citizen lend Money here #compare #loans


    #cheap loans uk
    #

    Cheap Unsecured Loans UK

    These are loans that are offered to the UK citizens to handle their financial situations easily and one does not require to pledge security to qualify for the loans. These loans are mainly offered online which makes the application process very easy and fast since all you need to do is fill in a simple application form and wait for your loan to be processed. Since these loans are not secured, they normally have short repayment periods for the lender to minimize the risks of losing his money in case the borrower fails to honor his debt.

    Need Unsecured Loans. –Click Here to Get Guaranteed Approval

    People Those have bad credit –Click Here to apply for loan and get approved for money up to $1000 without faxing. no credit check. All credit score people are approved with top lenders hassle free

    Obtaining cheap unsecured loans UK

    It’s very easy to obtain these loans and you start by searching online for the lenders offering them. The application process is very simple since all you have to do is fill in a short application form with your details and submit it for 100% approval. To guaranteed qualify for the loans, the borrower must satisfy the following requirements:

    • Should be above18 years of age

    • Must be a UK citizen or a permanent resident

    • Need a current and active checking account

    • Should be employed with a monthly income

    Some lenders may decide to check the credit history of the borrower to reduce the risks involved in lending money to people with bad credit history. This is also important because the lender will lend you large loan amounts if he trusts in you to repay the loan with bad credit and this might also come with a lower interest rate. Once you qualify for the loan, the money is directly wired to the checking account.

    Reducing the cost of borrowing

    There are many lenders offering cheap unsecured loans UK and you can take the increased competition to your advantage. Apply for quotes from different lenders and compare them to find the lender with the best terms and lower interest rates. There are also online comparison sites owned by brokers and you can also use them although some may charge you a small fee.

    It’s very advisable that you clearly go through the terms and conditions to ensure that you understand all the details in the fine print. This is important especially because some companies may offer you low interest rates to lure you into their business but later end up having some hidden charges. You can also keep your cost of borrowing cheap unsecured loans UK low by dealing directly with the lenders rather than using the brokers to avoid the brokerage fee.

    Caution with Lender’s online application

    Be aware of hoax companies pretending to be lenders as there are many available online waiting to get hands on your cash. You can easily identify them because they have very unclear online websites and they will also ask for a primary fees during processing the application. Ensure also that you are dealing with a lender who will treat your financial information with utmost confidentiality.

    Obtaining cheap unsecured loans UK can be quite easy with the right information. Consult your friends or perform some conclusive online research to identify the best lender and one with good reputation for a smooth borrowing process.



    Cash Till Payday Loan – We Are Here When You Need That Cash Till Payday Loan And We Will Give You A 99% Superior Approval Every Time You Apply For A Quick Loan. #used #car #loans


    #loans till payday
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    How Can We Offer A Cash Till Payday Loan ?

    Start By Entering Your Name Below.

    Need A Cash Till Payday Loan? If you are looking for cash till you next payday, you have come to the right place. We have introduced the most valuable cash advance payday loan policy on the web. If you have run out of cash and need an urgent payday loan to tide you over, our payday loan online is the ultimate alternative for you. Fill out our cash till payday loan application form and we will take care of the rest for you. Whenever you find that you need a quick payday loan to get rid of any tricky situation, get in touch with MySEONetwork.

    A Cash Till Payday Loan from MySEONetwork is the fast, easy and most secure way to get the money you need for virtually any situation. Sometimes we all need payday cash loan and MySEONetwork will get you through it.

    Our simple no fax payday loan application will take less than 60 seconds to fill out then you are on your way to putting cash in your pocket till payday. There is No Hassle so Imperfect Credit is never an issue and your money will be deposited into account within 24 hours (the 24 hours payday loan syndrome ) or possible even the same day . We have seen this happen before in a few rare circumstances, but it has happened.

    So, you are over the age of 18, have an active bank account and earn at least $1000 a month from your current job then you qualify for a instant personal loan. There is nothing better than getting a cash till payday loan to tie you over and MySEONetwork will help you every step of the way.

    Trust the one payday loan company that thousands trust everyday to get cash till payday, MySEONetwork.

    About A Cash Till Payday Loan?

    A cash till payday loan is a quick loan that was engineered for a quick pay back. It is a CASH TILL payday loan because you have to pay it back on your next paycheck. Look, we all understand that you need a payday advance loan and there is a need for it. MySEONetwork has designed the instant payday loan to help, not hurt you.

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    Apply Here with No Obligation #i #need #a #loan #but #i #have #bad #credit


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    APPLY FOR UNSECURED FINANCING LOAN

    National Unsecured Helps more customers with varying credit backgrounds get approved than any other unsecured personal or business loan company. We work with more loan companies and credit levels to help you get your loan!

    Apply now for a quick, no obligation pre approval! Once approved it will be a very short time until you are allowed access to your money. We now require a $12 application fee for the (credit vault – credit score pulling). This is a one time fee only.

    __________________________________________________

    Step 1: Join The Credit Vault $12 membership Application Fee (one time fee based on recent lending law changes to allow us to submit credit score info to our lenders)

    Learn more about the credit vault – credit score pulling ( in recent months with the state of the economy we have had a spike in those with bad credit applying for loans – while we can many times help these customers it has caused our lenders credit score pulling cost to go through the roof. We now require that everyone pay a $12- one time fee to offset this cost – however we also give you an amazing resource in the Credit Vault – worth over $100 and you pay only $12!)

    Step 2: Fill out Application

    Step 3: Receive notice of either approval or denial based on our top 3 lenders, receive access to many more lenders where you can apply yourself and includes resources for good, poor and bad credit. Read about the credit vault.

    Step 4: If approved with one of the top 3 then they will send their terms and loan amounts for you to approve. If you agree then the loan will be funded in a very short period of time. If you do not agree to terms then we will keep searching for a loan with better terms.

    Step 5: If you decide to deny the offers or if you have been denied we will use our long list of resources to try and find a suitable lender. Your credit will only be pulled 3 times at a max and usually only once.

    IMPORTANT: Even if you are approved you do not have to accept the terms or loans. It is just an option for you.

    $12 application (credit score – credit vault) fee and that is it!

    (remember that there are no obligations – you do not have to accept these offers)

    The application above is for unsecured personal loans up to $15,000!

    There is no obligation to accept any loans that are offered!

    We are not a lender. We are a loan placement company and find the right match

    for your loan which is vital to getting you approved!

    _____________________________________________________________________________

    Other companies will charge 10% of the loan.

  • We simply charge the $12 membership application fee and that is it!
  • We have access to the absolute best lenders
  • We help get more lower credit scores loans
  • In business for nearly a decade
  • Considered the best source for personal loans (unsecured and secured)

  • Some Minimum Qualifications:

    Our most recent lowest credit score approved within two days was 521 and higher

  • Our most recent lowest initial credit score approved outside of 10 days was 490.
  • Bankruptcy has to be more than two years old for a loan value greater than $1500.
  • Must be US citizen
  • Must Be employed
  • Must be earning $1000 a month or more or use cosigner for a loan value greater than $2000.
  • We Have recently worked with initial credit scores in the 400’s and got them approved (took longer because of the credit score program).

  • We cannot guarantee offers based on credit score and bankruptcy! However we can tell you that we work with more lenders that deal with lower credit scores than any other Unsecured Loan Processing Company! This means that we give you a great opportunity to get a loan or rate that you would not have gotten without using National Unsecured and the only cost from us $12 which also gets you a membership into the credit vault!

    National Unsecured is the absolute best when it comes to getting you approved and getting you the best terms available. There is not a better way to get an unsecured loan. Anyone that has credit issues should start with National Unsecured as there is not a better way to get a loan.



    Landmark Cash: Bad Credit Personal Loans (Click Here)


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    Bad credit loans

    should be used as short term loans that you can repay easily. When you apply on Landmark Cash you will have the opportunity to accept or reject the loan and review the terms.

    The Truth in Lending Act makes sure you are protected during the application process. This law requires all lenders to disclose any associated fees and the interest rate of the loan being offered.

    Typical reasons why personal loans for people with bad credit are sought after include emergencies, bills, car repairs and other unexpected situations. Landmark Cash wants to make sure you fully understand that you will be responsible for repaying your loan. If you are late making a payment there is a possibility you will incur a penalty. If you abandon your loan payments your credit could be affected.

    First time customers will not be able to borrower more than $1000 dollars at a time. Applicants must be at least 18 years old and have a job. You must make at least $1000 dollars every 31 days and have a checking account.

    When you complete an application Landmark Cash will match you with lenders that offer loans for bad credit. We are not bad credit personal loan lenders, we only provide a matching service. Most lenders offer same day loans which allows you to get your cash today.



    No Emergency Fund? Here – s How to Start One—Fast – Bloomberg Business


    #fast money loans
    #

    A job loss. A divorce. A dead transmission. Five ways to be ready.

    Who wants to save for an abstract, unhappy future experience that most people hope will never happen?

    You do.

    Sixty percent of households said they had experienced a financial shock in the past 12 months when the Pew Charitable Trusts asked in late 2014. Few were prepared, leaving them in even worse shape for the next shock. Some people just don’t earn enough to save, but even the 10 percent of households earning more than $100,000 a year have no cash earmarked as savings, according to a Pew report released today.

    We get it. There are bills to pay, vacations to save for, loans to pay off, down payments to amass. And cash earns almost no interest today.

    But you don’t have to get caught flatfooted in a shock. Below are five ways to avoid some of the potentially harmful financial moves revealed in the report. When Pew looked at where people plan to turn when they need to raise a big chunk of money fast, it turned out most plan to tap checking or savings accounts. That might not cover the cost, and indeed nearly 70 percent said they’d use “multiple resources.” Forty-nine percent would turn to credit; 36 percent said they’d borrow from someone.

    All forms of borrowing come with downsides. Credit card finance charges will add to the debt over time and make paying it off difficult. Borrowing from friends or family can get messy fast, depending on the relationship. Retirement savings should be sacrosanct, though taking a loan from a 401(k)—not cashing it out—is an option. One defensive move homeowners can make is to open a home equity line of credit. The interest rate is likely to be lower than that of a credit card.

    Here are suggestions from financial planners for kickstarting an emergency fund and keeping it safe from all the fun things you could do with the money.

    Look it in the face, now

    The list of possible emergencies is long—dead water heater, major car repair, big medical bills, lost job. “I tell clients that an emergency fund is like your own insurance policy for your cash flow,” said Scott Frank, of Stone Steps Financial in Encinitas, Calif. “The funds are available so that you aren’t disrupted when life happens—and it will.”

    Cash can also act as a buffer between you and the financial markets. “If you have six to nine months of cash in an emergency fund, you don’t need to be as worried when the markets go down,” Frank said.

    Isolate the money

    This could mean opening an online savings account at a bank different from where you keep your main checking and savings accounts. Then you can’t transfer the money as easily from an emergency fund into checking.

    Make that money untouchable. Don’t get an ATM card or debit card.

    Make it automatic

    If possible, sign up for automatic paycheck deposit at work and funnel a set amount per month into the fund. If you’re worried about the hit to your cash flow, start small and see if you miss the money. If you don’t miss it, increase the amount a little and see how that feels.

    If you really want your saving to be on total autopilot, there are online services that can help at digit. or at Betterment. if you want to use a robo-adviser. Based on the pattern of money going in and out of your checking account, the services spirit away chunks of money that they judge you won’t miss.

    Or create your own system

    For those who don’t like the idea of automatic deductions, one option is the “dollar per week of the year” approach. In week 1, you save $1; in week 13, you save $13, and so on. Amy Jo Lauber of Lauber Financial Planning, in West Seneca, N.Y. did this but in reverse, saving $52 the first week. (The sum winds up being about $1,400.)

    Another way to get started is to challenge yourself to save $500 or $1,000 as quickly as you can, said Mark Beaver of Keeler Nadler Financial Planning, in Dublin, Ohio. Once you’ve met that goal, set another short-term goal that can be met relatively quickly. Meeting a series of incremental goals can give you a sense of accomplishment and cheer you on to the next level, said Beaver. Even better: Take a windfall such as a tax refund or bonus to fund a reserve account immediately .

    Use a Roth IRA as an emergency fund

    It’s smart for young people to contribute the maximum $5,500 to a Roth IRA, said Rose Swanger, a planner in Knoxville, Tenn. That’s because the Roth serves a dual purpose. You can save for retirement but also use it without penalty in case of emergency.