Consolidating Payday Loans

Consolidating Payday Loans

 

  Payday loans can be helpful when you are in a pinch but you can quickly get in over your head. Outrageous interest rates and regular fees contribute to the problem and, before you know it, you have taken out more money, are paying more fees and may even end up taking out multiple payday loans to help you stay afloat. Despite your best efforts, you can feel the ship sinking. You are drowning in payday loan debt. You don’t know what to do and you keep hoping for a way out. Relax! There are a few solutions.

How Creativity Can Help You Get Out of Debt

Unfortunately, there aren’t any payday loan consolidation companies. There are, however, some options for consolidating your payday loans; you just have to be creative. Think outside the box and try to come up with a way to pay off the loans in a way that will help you get your finances and your budget back on track. Tapped out for ideas? Try a few of the following.

 

DEBT CONSOLIDATION
LOANS IN 60 SECONDS

Homeowners have a home equity loan at their disposal as one tool for debt consolidation. This loan uses the equity in the home as collateral. To qualify for this loan, the homeowner must have a substantial amount of equity in the home and a good credit score.

Home equity loan interest rates are usually lower than rates offered by other types of loans. This comes with a big tradeoff- the home is put on the line for debts like credit card balances. If the borrower defaults on the loan, foreclosure may result.

If credit cards represent the majority of the debt, consumers may find that a credit card balance transfer provides them with the debt consolidation help they need. This requires qualifying for a credit card that offers a low interest rate or an interest-free introductory period.

Balances on higher interest rate credit cards are transferred into this lower rate card. Though this is not truly a loan, it represents a smart way for some people to lower their repayment costs for outstanding debt.

The credit limit on the lower rate card should be sufficient to accommodate total credit card debt. Consumers should be aware of when a promotional rate period expires and realize that placing too much debt on one card can negatively affect the credit score.

The increase in credit utilization may affect this score, especially if the resulting balance is near the credit limit on this card. Personal loans can serve as debt consolidation loans because these unsecured loans can be used for nearly any purpose.

A personal loan features fixed payments made over a designated period. The loan can be used to pay off debt balances and then this funding can be repaid by the consumer over time via monthly payments.

A personal loan will not be the answer for everyone. Consumers with poor credit may have difficulty qualifying for a personal loan or may only qualify for a loan featuring a high interest rate.

Before agreeing to the loan, they should verify that the interest rate offered is lower than that associated with the outstanding debts. Otherwise, it does not make financial sense to consolidate debt using this tool.

 

Sell Structured Insurance Settlement

Need to sell structured insurance settlement payments? Structured settlements usually come about as a result of a personal injury lawsuit, medical malpractice suit, wrongful death, or other type of personal injury settlement. Call for a quote for selling structured settlement payments.

Sell Structured Settlement Payments For Cash Now

Announcement: We now represent a company that you can sell pension payments to. For more on selling pension payments visit our blog at Selling pension payments.

If you need to sell structured insurance settlement now or cash for payments now, we can provide you with a lump sum cash payment when you sell structured settlement in order to:

• Purchase a new home (Foreclosed homes are unbelievably cheap right now. Imagine paying all cash for a home. What a great feeling that would be!) You could also pay off or pay down your home mortgage.
  
• Pay of high cost credit cards
  
• Pay for critical or elective medical expenses
  
• Buy a new car for all cash.
  
• Sell structured settlement payments for cash in order to take advantage of a business opportunity and yes they are all around us despite all the economic woes.
  
• Pay for college or just to upgrade or develop new skills for the future
  
• Sell structured insurance settlement payments to take a well needed vacation
  
• Or lastly, the biggest reason I hear from people wanting structured settlement cash now - Receiving cash for payments now to create a nice cash cushion during the current economic spiral with no bottom in sight can be very comforting.
  
• You may simply want cash for a structured settlement now if you as many financial experts believe that the U.S. dollar is destined to continue its recent drop in value as evidenced by the price of gold (expressed in dollars)

Sorry, we are not able to purchase structured settlements on the following:

Social Security Payments, Social Security Disability payments, IRAs, Alimony Payments, Workman's Comp or Retirement Plans.

We may be able to help you if you are receiving disability payments from a private source and want to get a lump sum of cash for disability payments. For more on this, see our blog post at sell disability payments.

 

How to Survive a Divorce, Financially

 

n the whole, people take great comfort in permanence and regularity. No one gets married expecting to get divorced anymore than they go to Egypt expecting to see the pyramids crumble into sand. Nevertheless, the pyramids are eroding, and divorce rates have been increasing steadily.

Unfortunately, divorce rates are expected to climb, and they don't have the help of a pyramid restoration project to control the damage. When a divorce happens, it has a shattering effect on all areas of a person's life, including his or her financial life.
One of the most difficult things about a divorce is deciding who gets what. Spouses both have a financial and emotional investment in everything from the house to the stamp collection they kept together. People in the process of divorce usually do not feel overly charitable toward their soon-to-be ex-spouse, so their main concern is that they get what they feel they deserve from the settlement. This is why couples often focus on who gets assets and how future income will be divided while overlooking debts and loans.

It's better to sort these things out quickly and cleanly to avoid having the lawyers step in and drag out the process considerably which can be financially and emotionally draining.

 

Dolce and Gabbana in Court

 

 

Domenico Dolce and Stefano Gabbana, the famous Italian duo, are taken to court for tax evasion for an amount of almost 1 billion euros as media reported.
The designers whose brand is favored by many celebrities including Madonna and Naomi Campbell, handed over an acquittal last year to deny all charges to a higher court but has been refused and handed over to Mlian judge Giuseppe Gennari for further investigation.
The prosecutors claim that all D&G brands were sold to a holding company they had set up in Luxembourg back in 2004 to avoid the high taxes of Italy. This case is one of the few tax disputes involving celebs to go to court rather than reach a settlement. So far, no date has been set for the start of the trial.
Gabbana said in a tweet last week” Everyone knows tha

 

Mozzarella Sticks Fries

 

 This delicious irresistible recipe is simply loved by everyone. If you are a mozzarella lover, you can't eat enough of it. It is a very nice dish if you have an intimate gathering. You'd be surprised at how easy it is to make.



Ingredients

2 Egg,beaten
1 Mozzarella Cheese,Block
Vegetable Oil,for deep frying
1/2 cup Flour
4 tbsp Oregano,dried and crushed
2-3 tbsp Corn Flour
3/4 cup Breadcrumbs
Salt and Pepper

Get your own Cinderella Glass Slipper

 

 

Paris fashion week; the place to be for all the debuts was held last week at Palais Brongniart . Christian Louboutin known for his sexy red soles and killer platform heels released a remake of Cinderella’s glass slipper in honor of Disney’s Diamond Edition of Cinderella (to be out on Blu Ray next fall).

Instead of glass the famous designer used lace and Swarovski crystals. Butterflies on the vamp and sides flutter for added glamour. Only 20 shoes will be produced and handed out as giveaways by Disney (details in mid August). Louboutin and Disney collaborate to produce a 10 minute short on the making of the shoe. "I have been so lucky to have crossed paths with Cinderella, an icon who is so emblematic to the shoe world as well as the dream world," said the designer.
“Cinderella is not only an iconic character when it comes to beauty, grace and fairy-tale love, but also shoes,” Louboutin said. “Her character and her story dictated the design to me, it was all there in the pages and the words of this tale.”

 

How to Find the Perfect Pair of Jeans

 

 

 Jeans, since they’re origin over a century ago, have become a staple in every man’s wardrobe. Because of their versatility and vast selection, investing in the perfect pair of jeans can be quite a challenge. Finding the perfect pair to match your needs and body requires time and patience.

The difference between jeans and denim
Jean and denim are each different materials used in making the everyday pair of 'jeans'. The difference comes about in the production of both fabrics: denim is woven with two different colored yarns whereas jean is woven with two yarns that are both the same color. Denim tends to be more expensive and durable whereas jean is used for lighter clothing such as shirts. There are many companies out there such as Evisu and G-STAR RAW who use denim in its raw form to make their product, while other companies will use a blend of materials.

TIE THE KNOT WITH A TWIST

 

 

Not every girl wants a traditional white wedding with dripping pearls and diamonds. Some want to show off their individuality and self-expression with a funky brooch, a striking tiara or a snazzy pin.
If you are planning to walk down the aisle, and are looking for a unique piece of unconventional bijoux, then meet Tatiana Fayad and Joanne Hayek, the design duo behind Vanina. Friends since the age of fourteen these girls spent their time growing up designing quirky jewelry, using old coins, buttons and vintage stuff combined with odd bits and pieces. The results: unique one-off designs.
“We wanted to create pieces that were different, just for fun,” says Fayad, who is inspired by films, books and nature. “But our main inspiration remains Beirut itself and its people.” Their 2011 collection features a feminine and humoristic mixture of themes and styles, always carrying a message…be creative! “It is very important for the bride to be comfortable in her dress and confident about her look,” says Fayad. “It’s a little twist that will change her look.” During their first year at university - Tatiana studies marketing and advertising at Saint Joseph University and Joanne is an architecture student at the American University of Beirut – the young duo designed jewelry just for themselves. Family and friends loved the results and encouraged the girls to share their quirky creations with others. They launched their first collection in 2007. It was a sell-out. Orders rolled in and the girls decided to set up their own label. Their newly minted label was named Vanina, inspired by a song by Dave, a singer from Holland. Jewelry is what they started off with, and it is still the biggest part of their collection. Now their collection also features shoes, bags, dresses, t-shirts, and belts. Each design is unique and the creations vary from one week to the next. The duo creates according to whim reusing old bits and pieces found locally, or new stuff picked up abroad. “Sometimes we find out that a celebrity has worn a Vanina necklace or a pair of earrings in a video clip, or a shoot. We once came across a photo of a celebrity in a European magazine wearing one of our belts,” says Hayek.
So if you’re itching to trot down the aisle with a difference get your hands on these quirky designs,100 percent Lebanese and totally affordable; prices ranging from 12 to 350 dollars. Their designs also make great untraditional gifts for the maid of honor and the bridesmaids. Fayad and Hayek are still so young, 23, but, with years of design experience under their belt, these bold girls have big plans for the future. Now selling in Lebanon and the Middle East, and exporting to Europe, Asia and the States, they hope one day to open their own Vanina shop in their hometown of Beirut.