Show off your style and score a promotion. Are you in line for a job upgrade? Then your bosses will probably be paying attention to everything you do – your work ethic, your attitude, and yes, your day-to-day look. Climb the ladder to success and earn more money in no time by following some basic wardrobe tips. So, cut to the chase and stock up on the essentials that are sure to make a difference.  Having these on hand means that you will not have to waste any time rummaging through your closet in the morning and going ballistic over what to wear.

You’ve considered yourself lucky. Relocating to Florida was a great idea, although you might still be reeling over the cost of your moving expenses. Florida is known by many as a top hot spot for tourism and the winter home to a large number of snowbirds. Perhaps you have landed a great job in the hospitality industry. Right now, you are up for a promotion and a well-deserved salary increase. Still, the cost of living in certain cities in Florida remains high, enough to eat up a good part of your take home pay. You might have to think about modifying your budget, but for right now, your mind is on scoring that promotion.  A cash advance, payday advance, or payday loan can put you in the driver’s seat.

So, if the variety of things to pay for and to do in Florida has got you cash strapped at this time, and you realized it is not a smart idea for you to remove any funds from your tax-deferred annuity or 401K fund because there is a 10% penalty if you are under 59 ½, you still have some choices. Or for that matter even dipping into your savings because you are already committed to using that to set up a home office, you might find yourself being in the position to turn toward an alternative way of borrowing that you just found out about from a co-worker. A short-term loan like a payday advance might just be the perfect solution for what you need right now.  What you learned about a cash advance is that it is fast, you can conveniently and securely apply right online, there is no credit check, and you get your cash by the next business day and in some cases the same day. No one even has to know about it. This year you managed to max out your credit cards, so if you need to improve your day-to-day look right away, start to put aside your angst, get some style into your wardrobe, and do it now with a payday advance.  Just make sure to pay it back in full with your next paycheck.

First thing, rely on the basics.  Use your payday loan wisely to find what you need. Find a fashionable black dress, a white button-down, dark-wash jeans, a black pencil skirt, a black blazer, and black pumps.  They project a polished, put-together image which bosses love, and can be easily accessorized so you rock different looks every day.  Your instincts tell you that the workplace requires you to tone down your usual vibe. Don’t be afraid to showcase your personal style by wearing a statement necklace with a button down and blazer, a conversation-starting vintage skirt paired with a neutral top, or colorful heels contrasted with a navy or black suit.  Dress codes are generally relaxed these days, but you are trying to convey to the higher-ups that you take your work seriously, and are a team player. So that means taking on a conservative look. Hemlines should fall on or slightly below knee length.  Cool it on fashion fads and clunky jewelry. Stay away from knee-high boots and those trendy leggings. Avoid party wear and remember leggings might be cool on a Friday night, but Friday at work is different. Remember to borrow smartly and shop for the best deals so you can push that buck to the limit.

So, get your payday loan, and get noticed.   You will be glad you did.

Even living in Florida, people are far more familiar than ever before with the concept of financial risk. Stock prices can go up and down as investors speculate. Portfolios that were once worth more now are worth less. Housing prices in Florida can plunge as well as surge depending on location. It is all too possible to lose a job and not be able to find one anytime soon. Many have said that the economic boom can now be called the economic bust. Residents who live and work in Florida have probably seen a downturn in their personal finances. In these times, it is not at all that surprising that some people in Florida would have to turn to borrowing funds through alternative methods such as a payday cash advance loan, something that they never had to even think about before, in order to pay for an emergency event or unexpected expense. But, we have all found out that unexpected events such as this economic decline can upset the apple cart for many of us. And many people have just had to cut back.

With all the bad economic news America has witnessed within the past few years, there are many people who are facing “hidden risks” to their personal finances, without having ever thought of them as “risks”. What are some of these hidden risks?

• Are you uninsured or underinsured? It has been reported that over 50 million people do not have health insurance. Some people have had to let their life insurance and other insurances lapse because the premiums have skyrocketed, and are no longer affordable. When people lose their jobs, they often lose their insurance. There are many employers who have stopped offering health insurance because they just cannot afford to pay the high costs for their employees during a sluggish economy. Many people who find themselves in this situation just buy a bare-bones health insurance policy. This can be disastrous if illness or injury strikes. Huge medical bills are considered to be the cause of most bankruptcies in America. If you know someone who was faced with this hidden risk to their finances, or if you fear that this could happen to you or a member of your family because your personal finances have undergone turmoil, you can consider an alternative method of getting cash by applying for a Florida payday loan. You can apply for a payday loan online and in the privacy of your home or office. Use the cash advance toward upgrading your most important insurances before a disaster strikes.
• Even if you already are covered by good health insurance, you might be underinsured in case of a debilitating accident, injury, or disease, and many costs such as home health aides or nursing home care are not covered by health insurance.  Disability insurance and long-term health care coverage can help provide additional protection for you and your family. If you have considered a cash advance loan, it is a good idea to consider buying additional coverage with it. Your personal finances and any savings that you have can be quickly depleted in the event of an unexpected expense.
• Today, most people are grateful to have a job. But aside from losing a job, one of the biggest hidden risks is staying at a job too long and not learning new skills. Job security and company loyalty, once comforting concepts can hold you back if they keep you stuck in the same job, at the same salary for too long. Take the proceeds from a cash advance loan and get online, or attend classes at night so you increase your options. Don’t lose your competitive edge.
• Many people work all their lives to pay for a house that begins to lose value because the neighborhood is no longer the most desirable place to live. Look around and see if there are foreclosure signs cropping up. Notice if your neighbors are keeping up their property, or how long it is taking for people to sell their homes. Some say that when people start to move on to newer neighborhoods, there is a chance that the value of a home in an older area may begin to gradually lose its value. Some people believe that it is better to purchase a new home than to renovate an older one. If you think this may happen to you, why not put some of the proceeds from a payday cash loan into spiffing up the paint in your home so that it is more attractive to buyers if you decide to sell.

The goal of a financial plan should be to have your money outlast you. So, it is wise to keep investing in a 401K and other non-risky investments even into the retirement years. You should always try to have a slush fund just in case you need it. But, should you run into difficulty during this economic downturn think about relying on an alternative method of financing, such as a cash advance loan, to get you through the crisis. It is far better than damaging your credit score and credit history.

Are debit cards still a good deal?  How do they compare to other ways of getting cash, such as credit cards, payday loans and auto title loans?

Financial experts have reported that debit card fees have been increasing. Each time a debit card holder uses an ATM outside of their network there is a charge by their own bank and the host bank also. According to the experts, that fee has risen almost 76% in ten years. Overdraft fees which are charged for insufficient funds are increasing too.  Recently, the Federal Reserve has required banks to get customer approval for debit card and ATM transactions that are bigger than the balance in their checking account.  Many banks initiated campaigns to get customers to opt in to overdraft protection for a fee. And overdraft fees are up almost 6% from last year. One way to avoid ATM fees is to use your own bank’s ATM network when you take out cash.  Many consumers have chosen to steer away from high bank fees and instead turn to payday cash loans and auto title loans when they need emergency cash.  There are also more alternative solutions for getting cash.  In the State of Florida, the interest rates for payday and auto title loans are regulated by the Florida Office of Financial Regulations.

Free checking has become a thing of the past in part because of debit cards. Banks are making up lost revenues because of new debit card regulations, and raising their checking account fees. The reason for this is because new regulations cut the fee by about 45% that merchants are required to pay to banks per debit card transaction. This is called an interchange fee. Monthly maintenance fees have increased as have minimum balance requirements for checking fees as banks continue to try and make up for the loss of revenue due to new government regulations.  Many consumers throughout the State of Florida have turned to other ways of getting extra cash.  Consumers who apply for a cash advance or a car title loan receive their borrowed funds by the next business day. Applying online is an easy, fast, secure, and confidential way of having cash deposited directly into your checking account.

Debit card rewards such as cash back and airline miles are becoming less common, decreasing by about 30% this year. On the other hand, credit card rewards have increased due to competition. And also because credit cards are not subject to reduced interchange fees merchants have to pay banks. Clearly, regulatory changes have influenced banks to change their policies and pass them on to the consumer. However, if you have elected to have your paycheck deposited directly to your checking account and the account is used to pay bills online, many banks have opted not to charge additional maintenance fees. Banks have resorted to using introductory rate offers on purchases to encourage consumers to switch from debit to credit cards.  This year, it was reported that credit card mail had increased by about 78%. One of the reasons banks are providing incentives for consumers to use credit cards instead of debit cards is that fewer people are missing payments on credit card debt making it a less risky business than in the past.

Those consumers who have had damage to their credit because of late or unpaid bills due to unexpected expenses might not have a large enough credit limit to have their financial needs met by banks or credit card companies. There is usually no credit checks required to obtain a payday loan or auto title loan.  Payday loans are short-term loans that are re-paid on your next pay date.  A car title loan is paid back in convenient installments while you continue to have use of your automobile so don't hesitate to Apply Now!

So, it can make good sense to consider a Florida payday loan or Florida auto title loan when you need cash.  When you check out your options, you might find that car title loans and fast cash advance loans work the best when you are experiencing a short-term financial crisis. Call us today at 888-573-0132 and have cash in your pocket tomorrow.

Want to eliminate a budget buster?  Whether your promise is to get in better physical shape, drop all your bad habits, or improve on your finances, the odds are that it is about changing your behavior – not such a simple task. Using simple shortcuts that remove some of the angst from the process can help you save more and spend less.  In the computer age, shortcuts are frequently called “hacks”.   After all, there are times that you just cannot reduce the amount of angst you have because of unexpected emergencies.  It has happened to everyone at some time or another.  A huge medical bill, car repair that must be done now or you can’t get to work, a major house repair because the last hurricane blew off some of your roof tiles, or a larger insurance premium than what you had expected.  Under these trying circumstances, you might have to consider putting aside your budget busters and applying for an online Florida payday loan to see you through.

1.        Paying Bills on Time

Problem:  Being forgetful leads to late bills which leads to fees and potential damage to your credit score.

Hack:  Most banks and credit unions offer automated bill payment you can set up online. Pay more than the minimum to work off debts faster if your monthly bills include debt payments. But make sure your checking account has sufficient funds to auto-pay all of your debits without over drafting your account. You might want to set up a backup system such as a savings account or credit line to cover a shortfall, just in case.  If you have an unexpected emergency where you need extra cash now, why not consider a payday loan Florida and get your cash before the next day.

2.        Saving More

Problem:  You don’t make enough to automate your savings and never seem to have anything saved at all.

Hack:  The old-fashioned time-honored method of saving using a cookie jar is a cheap and easy way to save. Just empty your pockets or purse when you come home. The cash you are able to save over a month, even over a year is amazing. Why not save dollar bills in a separate cookie jar? Make a game out of saving so it’s pain free.

3.        Avoiding Parking Tickets

Problem:  You are racking up parking tickets because while your intention is to run inside a store, double-park fast, it seems to be just the moment that your auto is visited by a parking meter enforcer.

Hack:  Always keep some change in the ashtray of your car so you can feed the meter.  Who needs to pay high ticket costs when you are trying to save more and spend less.  This is just the time you might need extra cash to pay for outstanding expenses that were not part of your budget.  Try a payday advance Florida to get you over the hump this time before Motor Vehicles doubles the fees.

4.        Using Coupons

Problem:  You would love to use more coupons and discount codes but you don’t have enough time to clip them or search the Web.

Hack:  Set up a RSS Feed to automatically create and maintain a searchable collection of deals and discounts.  You can use a free feed reader like Google Reader to subscribe to feeds.

5.        Try a Savings Routine

Problem:  You want to save more, but it never seems to happen.

Hack:  Take your lack of discipline out of the equation by automating your savings. That means saving before you see the money by transferring it from every paycheck into savings.  You can use a regular savings account or your retirement account. Instead of trying to find the money every month, watch it pile up. So, pay yourself first, and rock to the mantra of the money-enlightened. If you find yourself stuck, you can apply for a FL cash advance, get back on target by your next pay date, and catch up on automating your savings.

The following 5 budget buster tips are a few simple tips in getting started with your budget planning.  Think of other ideas that will meet your day to day needs.  Good luck and save, save...

What is a credit myth?  Even though credit is considered a large part of a consumer’s life, do you know about the special way the system works to create that all important credit score?  The score seems to follow you wherever you go.  But wouldn’t it be nice to get some cash without having to worry about a credit score?   If you know that your credit history is not that great, check out whether a payday loan can help you with your current financial needs.  Many residents of Florida have made that choice.  Join them and the others who have taken advantage of the easy, convenient, and secure process.  What more can you ask for than to have cash direct deposited into your checking account by the next business day?

Most consumers are familiar with the FICO scoring model, also known as “Fair Isaac”.  This is the scoring model that ranks consumer credit history from 300 to 850. Actually, there are other credit score models available to consumers and lenders, but pulling one or the other might not guarantee that a consumer will see the same score as a lender does.  This is why it is probably a better idea to pay attention to the information on your credit history and how your credit history is ranked between poor to excellent.  Because credit scores can vary from one credit bureau to another, you want to make sure that you know what risk level has been assigned to your credit information.

Credit bureaus can view what your payment history and balance on your monthly credit card bills are but they do not know if you are paying interest or not.  That means if you are customarily paying only the minimum every month, it is not going to help your credit score any especially if you are carrying a high annual percentage rate.  So, in other words, carrying a balance does not help to build credit.

Have you thought about cutting up and destroying the credit cards you don’t use? Closing credit cards can actually hurt your credit score. Experts say that if you do that, you are at risk of lowering your credit utilization ratio. So instead of cutting up unused cards, just consider making a couple of small payments a year to keep your credit utilization ratio intact and your payment history in good shape.

Some consumers believe that the more their income is, the better their credit score will be.  That is not completely true. Although it might be true that the more you earn, the more you are apt to be able to pay your bills on time, it is also true that a credit bureau is not privy to that information. But, on the other hand, lenders frequently compare the income you listed on a loan application to the debts on your credit report in order to determine whether you can make monthly payments on time.

The most important thing to know when it comes to building credit history is that consumers have to use credit in order to build credit.  So using cash does not improve or help your credit score. A lender is actually looking to see if you have an established payment history.  One of the most effective ways to establish that you are credit worthy is to have paid off some kind of debt before.  It is far better to demonstrate a responsible use of credit than to use cash all the time, especially for big ticket items.

One thing that consumers should know is that paying off a debt will not necessarily change your credit history or score overnight. Negative information only gets removed over time, for example, delinquent credit will remain on a credit report for 7 years, and bankruptcy information will remain on your credit history for 10 years.  Many experts have said that you have a better chance of obtaining a mortgage loan, for example, if you do not have any delinquencies within the past 2 years.  Of course, that is not the only criteria used to be approved for a bank loan.  And bear in mind, that nowadays banks have become more diligent in determining who should qualify for a mortgage loan. Not everyone is lucky enough to have survived the economic turmoil over the past few years.  Give yourself a break. Try considering an online payday loan to help with expenses you did not count on.  A payday advance will give you back your confidence.  And without a credit check.

If you have had bad luck, struggled to make ends meet during these tough economic times, were faced with an unexpected emergency, and forced to live paycheck to paycheck in spite of having a budget, you can consider the advantages of applying for a Florida payday loan.  You can use a payday loan to pay down credit card debt.  Many experts say that paying down credit card debt by 50% can increase your credit score and make for a more stellar credit history.  Get started getting back on track.

How do you stay motivated at work and beat job burnout? Good question. The key is to try and beat burnout before it beats you.  Some experts say that the majority of people work in order to pay their monthly bills. There are others who claim that people work because they love what they do. In fact, many of these people have turned a hobby into a worthwhile and profitable business enterprise.  For others, the workplace is generally routine, a very practical solution to earn what you need in order to have a nice lifestyle and provide for your family. And employee benefits such as health and life insurance add to that practical package.

For those employees who find work boring or depressing from time to time, it is important to understand that you cannot control everything.  In other words, you can control what you are able to, but then you must also find a way to forget the rest. Essentially, you just have to try. So what are some ways that you can beat the job blues and stay motivated?  A good option is to change how you think.

One of the best ways is to try and add fun to your daily routine. What is important is finding something to look forward to after work like going to a movie, stopping at the gym, attending a book signing, making plans for dinner with a friend, or enrolling in an evening class.  Schedule activities you enjoy in your day and week and make sure to fit them in. Create a stress-free zone for yourself by hanging some nice pictures on your wall. Make a collection of photographs in your workspace so that you can look at them and inhale all of your fond memories. If you have your own office, you can decorate it with a comfortable lounge chair and even a palm tree. You can also put some small toys on your desk.  It would not be surprising to see co-workers stopping by just to spin a small top, squeeze some silly putty, or add a piece to Mr. Potato Head.

Make plans with co-workers and friends, and try to become more social.  Remember that it is important to be active even if you feel exhausted. One of the key things is to avoid listening to negative conversations at work. Just listening can tire you out.  Train yourself to see the positive side of things and remain neutral when you hear others talking behind someone’s back.  Don’t let yourself get into the gossip trap.  And don’t bother owning someone else’s problems.

Many employees have organized a company baseball or volleyball club. Consider putting up a sign in the employee lounge asking for co-workers to sign up.  When your sports club is organized, you can challenge another team and play in a league. Most experts believe that physical exercise is a great stress reliever.

There is another way you can reward yourself, uplift your spirits, and beat burnout.  Consider finding an alternative solution for getting extra cash by applying for Florida payday loans or Florida auto title loans.  Apply Now and get extra cash deposited directly into your checking account no later than the next business day.  There are some great possibilities out there that can build up your frame of mind.  How about making a reservation at a Spa for the weekend and indulging in a complete makeover.  Or using your auto title loan or payday advance to pay for a weekend at a tennis camp or fishing resort down in the Florida Keys.  Take advantage of Florida’s great weather and tap the power of a 3-day weekend.  Another idea might be to treat yourself to season’s tickets for the Miami Dolphin games or the Miami Heat games.  And if you really want to do it right, how about a short cruise to some of the islands?  You might even invite some good friends or co-workers along for a real blast. All thanks to a Florida payday loan or Florida auto title loan. Contact us today at 888-573-0132 and have extra cash in your pocket tomorrow.

Are Outlet Malls really a deal?  Some experts have said that while there are deals that can be had at Outlet Malls, some may not be deals at all.  However, most say that there is plenty of cut-rate merchandise at the outlet malls including high-end items. You just have to be a savvy consumer.  So, don’t give up on finding some great bargains.  Just make sure that just in case you see one, you have enough cash to get in on the action.  If you are about to go on a splurge because bulk buying makes sense, but don’t have enough funds right now to take advantage of that great deal, you can consider applying for a Florida payday loan just so that you are ready when you need to be.  Remember, the early bird catches the best deals.  Be smart, and beat the crowds.

Some merchandise could be last year’s fashions but other items might be made specifically for outlet centers. That could mean that an outlet center could sell a comparable item that is trimmed with plastic instead of leather.  A sweater might be shorter and have cheaper buttons, or jeans might not have as many seams or trim. Most agree that there could still be bargains out there and the savings are worth it. On the other hand, there are manufacturers who sell the same item in the outlet center as in their retail store but with different price points. So, that is something to bear in mind if you are a savvy consumer. The good news is that your purchase could save you 40% of the original price. Regardless of whether an item is made specifically for an outlet center, the item could be just what you are looking for.  Don’t miss out on this deal.  Have extra cash from a payday loan to pay for what you want.

To make sure you are a savvy consumer, you can shop a department store sale and coupons before going to an outlet center for such items as jeans, shoes, and leather goods.  Doing twice-a-year outlet shopping for clothing necessities such as t-shirts, jeans, and socks can be a good deal. Remember to buy in bulk in the winter for items you will use in the summer. Likewise, buy in bulk and look for deals in the summer for items you would expect to wear in the winter. A payday advance comes in very handy when doing bulk shopping.

You should have a strategy before you start. Know where you are going to park so you don’t have to walk for miles, and you are near the outlets that interest you.  There are outlet clubs that you can check out and sign up for email alerts.  That can keep you on top of things. Some people have reported that Tuesday, Wednesday, and Thursday are the best days to go bargain hunting.  Remember to make sure that you can return an item to the retail store, or if the sale is marked as “final”.  Many consumers have said that the selection is much larger at a retailer mall than an outlet mall.  It is not a bad idea to have a plan and check things out carefully.  Be a comparison shopper. First-hand knowledge is always better than listening to someone else’s opinion.  Keep a list of the prices of the items you are interested in and compare the cost between purchasing them on sale and going to an Outlet Mall.  If you have your heart set on getting a deal, make sure you have enough cash.  Get a payday cash loan and be prepared.

Have you tried to control your personal debt?  Be financially responsible?  Work towards meeting your financial goals?  These are some of the ways financial experts suggest to get a heads up on financial planning.

You’ve heard of all or most of these tips. The experts will tell you to:

• Get a handle on your spending. Write down everything you bought for one month. Save the money you have left over after paying your monthly expenses and then use the extra to pay down a debt.
• Don’t fall into the minimum trap.  If you only pay the minimum payment on your credit card bill, it will take you years to pay off your balance. And it can cost you thousands more than the original debt.
• Watch where you borrow. Leave your 401K alone or else you can fall short of your investing goals at retirement.
• Some debt is bad. If you can’t afford to pay off your monthly debt in full, you should not charge meals or vacations on your credit card. Avoid interest charges that keep building up and put aside cash every month to pay for them and other items you consume quickly.
• Build a cushion of three to six months of living expenses in case of an emergency. Expect the unexpected.

Sounds practical, doesn’t it?  Lots of great advice for staying on track, right?  It seems all well and good if you are able to follow these suggestions.  But, what if you can’t?  What if you find yourself living paycheck to paycheck, seen your savings depleted over and over, found yourself earning less overtime, and winding up paying more for ordinary daily living costs, such as gasoline, food, house and car repairs.  And there is always something coming up. What then?

You have probably been one of the many consumers who have had to turn to an alternative solution for getting cash.  Florida payday loans and Florida auto title loans have become even more popular over the past few years because it just isn’t that easy to keep to a budget.  In spite of tweaking your budget, it just seems almost impossible to keep up with spending even if you have a full-time job.  In fact, it feels like many consumers have found that one’s best laid plans of sticking to a budget has gone completely out of whack.  The advantage of a payday loan is that it is a short-term loan.  Get your extra cash, use it the way you need to, and re-pay your borrowed funds on your next pay date.  It’s easy, convenient, and safe. You can apply for a loan right online.  If you need to borrow more cash, a Florida car title loan could be your best bet. Keep your car while you continue to make installment payments.  Do you have a clear Florida title to your car?  Then you may qualify for an auto title loan Florida.  You might even have enough left over to take your family on a well-deserved vacation to Disneyworld or the Florida Keys.

Have you covered your financial bases?  Part of a good financial plan is to have all angles covered. First, you need to be settled into a checking account. Then you need somewhere to put aside funds for retirement. These accounts are generally referred to as retirement or investment accounts. Your employer contributes to this fund, commonly known as a 401K, usually matching your contribution. Next, you need to cover yourself in the event of unexpected expenses. If you are able to put aside at least a small amount into an emergency fund every paycheck, you are on the right track.  Just remember that if you need extra cash for something that has come up and you need to do it before your next paycheck, you can take advantage of an alternative solution for getting cash – a Florida payday loan.  That’s really cash in advance of your next paycheck also referred to as a short-term loan.  What’s good about it is that your cash is direct deposited into your checking account by the next business day and the loan is re-paid by your next pay date.  There is no interest charges building up every day and you don’t even have to go through a credit check.  Here are some tips for you to consider.

If you know what your money habits are, you can choose the best kind of bank account, and the one that comes with the lowest costs.  Banks offer different kinds of checking accounts.  Some pay interest and some do not. Others have some perks, while there are accounts that are set up for those with limited incomes. There are things they do have in common, however.  They might have fees or restrictions.  Sometimes fees can be waived if the consumer meets particular requirements.  Here are some things to consider when you a shopping around for a bank.

It is usually the case that the larger your balance, the more apt you are to get free checking with interest. If you decide upon a non-interest checking account, the average minimum balance according to financial experts is just about $185.50 in order to avoid a monthly fee.  Some no-fee accounts will limit the number of checks you can write and charge a high fee if you go over that limit. Many customers choose to sign up for a no-fee, no-frills, flat-fee checking account if they do not write out many checks during the month and do not want to encounter high fees if they do not meet the minimum balance requirement. It is also not a bad idea to find out how many ATM machines are located near your home or work. Remember that every time you use a non-network ATM, you are charged two fees. These surcharges begin to build up, so why waste money.  Try your best to always use your own bank for withdrawals.

Many experts agree that withdrawing funds from your 401K is not a good idea.  It is far better to leave your money in your retirement account and let it continue to grow. You might consider not turning your savings upside down either.  If you find yourself in a bind, such as needing extra cash for a house repair, car repair, medical payment, or insurance premium, a payday loan FL can be the best choice to get you through financial distress.  Florida payday loans are regulated by the Florida Statutes. They are a fast, efficient, and convenient way of solving a cash shortage.  Many residents of the State of Florida have turned to payday cash loans to get them over a hurdle.  Use it as an alternative solution for cash and then you will be back to basics.

Have you heard about alternative solutions for getting cash? It was reported recently that traditional short-term lending has decreased by more than 50% over the past 4 years.  The question is will that situation change or is it going to worsen?  In the meantime, the burden of obtaining short-term loans from a bank or credit card company continues to rest on the small business owner and private individuals. In plain language, the small business owner and private individual have started to look for alternative solutions for getting a loan by turning to what are considered non-traditional lenders. 

Some of the non-traditional lenders offer the private consumer the advantage of receiving a short-term loan no later than the next business day.  Funds from payday loans and auto title loans are deposited into the consumer’s checking account normally within 24 hours.

In some states, such as in the State of Florida, the interest rates are regulated by the Florida Statutes.  There is no credit check required to qualify for a payday or auto title loan. So, for those individuals who have some blemishes on their credit history, an alternative solution to getting cash can be a perfect solution. For small business owners, there is also a solution.  Recently, it was reported that a number of companies such as weemba have sprung up that will match a small business owner’s loan requirements with lenders that are willing to provide cash.  The same is true for a consumer looking for extra cash.

It is likely that the need for alternative solutions for small businesses has evolved because of recent government regulations that have made it more difficult, if not almost impossible, for small businesses to obtain loans. In this kind of transaction, the lender simply pays a fee for the right to obtain customer or business profiles. This type of transaction does not force the business owner to relinquish a percentage of his business profits or to give up any ownership of his firm. Many experts feel that alternative solutions for cash will gain in popularity.

It has been reported that more than half of Americans would not be able to come up with $1000 in cash in the event of an emergency. Why would you want to be part of those frightening facts? Instead, signing up for $10 or $20 to be automatically deducted from your paycheck and deposited into a savings account can be the beginning of what makes good financial sense. If those amounts are doubled in six months, you could find yourself $500 richer by the end of the year.  That amount is enough to smack down expenses like a car repair as soon as it crops up. 

Another idea that makes financial sense is to review your retirement savings account if you have one. Assuming that you are paid every two weeks, raising your pre-tax bi-weekly contribution to your 401K from 4% to 7% does not cost that much. But, it will raise the amount of funds that accumulate in your retirement account considerably, and that will increase the amount your employer will have also contribute too. You might also consider getting started by making contributions to a 401K if you have not already done so.  That is pre-tax money that will accumulate over time and provide security for you and your family in later years.

There is no red tape associated with a payday loan or auto title loan.  Some non-traditional lenders offer the consumer the option of applying online for a cash advance or title loan.  So, there is no longer a need to stand in line at a storefront check cashing store and wait your turn.  A borrower can apply online within the privacy of their own home.  It is a safe, secure, and confidential way to carry out the transaction.  If you have been turned down for a loan from a bank, or your credit limit is too low and you were not approved for an increase in your credit limit, there still is a way to obtain the extra cash you need. Non-traditional lenders can provide alternative funding solutions that would otherwise be unavailable to the average consumer and small business owners.