Archive for July, 2014

Advance Financial

Thursday, July 31st, 2014

When Maury County residents need to cash a check, Advance Financial is their favorite place to go.

Wade Quinn, branch manager of the Advance Financial on Carmack Boulevard, said his company is honored to be chosen as the Best Place to Cash a Check in Maury County. Since the business is open 24/7, Quinn said customers are always welcome to come by for any financial services they need.

“We provide check cashing, personal loans, Western Union, bill pay services and other personal financial services,” Quinn said. “We also do free money orders, which are probably are most popular service along with our check cashing services. We can cash any check any time of the day because we never close. It also helps our customers greatly because they can get their money when they need.”

While some days are busier than others, Quinn said there is no telling when someone will walk through the front doors.

“Fridays are always busy because that’s typically payday,” he said. “The first and third of the month are also typically busy days. Of course, we are never too busy to help our customers. Customers can come in at all hours of the day.”

Over the years, Quinn said Advance Financial has built up a strong reputation of quality service.

“Almost all of our customers are repeat customers,” Quinn said. “We get to know a bunch of them very well. We have two stores in Columbia and have built up a good customer and client base. We have a good rapport with our clients.”

Quinn said his top priority is always helping customers, especially those needing to overcome financial obstacles.

“I like working with the customers and helping them,” he said. “Sometimes our customers come in because they have run into a personal financial situation or emergency. We are able to help them with short term loans and get them back on their feet.”

Quinn said he and other members of the Advance Financial staff love calling Maury County home.

“We love the people of Maury County,” he said. “They are nice and easy to work with and very friendly. We feel honored that the people of Maury County trust us and give us their confidence. We hope we can continue to provide those services to them.”

In addition to their building at 2306 Carmack Blvd., Advance Financial also has a location at 1100 Nashville Hwy. in Columbia. Advance Financial is open 24 hours a day, seven days a week. For more information on Advance Financial, call (615) 341-5900 or visit www.AF247.com.

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topcreditcardprocessors.com Reports eMerchantBroker.com as the Top High …

Wednesday, July 30th, 2014

(PRWEB) July 18, 2014

The independent authority on merchant services, topcreditcardprocessors.com, has named eMerchantBroker.com the best high risk processing service for the month of July 2014. eMerchantBroker.com was chosen based on their impressive performance in an in-depth analysis of the solutions they offer. While there are thousands of companies offering a variety of solutions, the ratings consist of the best highlighted based on the results of the in-depth evaluation process.

These firms are put through the topcreditcardprocessors.com genuine evaluation process in order to establish which firms provide the best overall solution. Firms are chosen based on their performance in a benchmarking and analysis of their core services. This process consists of the use of a set of evaluation criteria, interacting with customer references, and performing various market and industry research projects.

topcreditcardprocessors.com is also active within various credit card processing events and conferences. The independent research team often performs industry research to find the most recent relevant news and information important to clients and professionals. Often times agencies provide topcreditcardprocessors.com with an inside look to new developments.

eMerchantBroker.com has been named the top high risk processing firm based on a thorough evaluation of their produced solutions. The independent research team has named them due to their continued performance and their history of successful payment processing solutions. Those looking for a impressive high risk processing solution to meet their specified needs should consider eMerchantBroker.com.

About eMerchantBroker.com

eMerchantBroker.com specializes in helping merchants which cater to industries which other processors avoid due to an increased risk of fraud or chargeback. They offer a variety of solutions ranging from credit card processing to eCommerce solutions. They also provide merchants with a variety of equipment to help them operate their business while also offering payroll and merchant cash advance services.

About topcreditcardprocessors.com

topcreditcardprocessors.com is an online organizer of independent reviews and ratings. The rankings of the top payment processing companies are released monthly to assist businesses in connecting with high risk processing companies which feature a history of effective solutions. Thousands of payment processing companies are put to the test while only the absolute best companies are featured in the rankings.

Learn more about eMerchantBroker.com at:

http://topcreditcardprocessors.news-prs.com/us/profile-emerchantbrokercom

For the recommendations of the best high risk processing companies visit:

http://topcreditcardprocessors.news-prs.com/us/high-risk-processing-rankings

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Go, See, Do: Wednesday, July 30

Wednesday, July 30th, 2014

PRESS 53 AWARD FOR POETRY: Publication of a poetry collection, deadline Thursday. Prizes include $1,000 cash advance, travel expenses for the launch party on April 24 and a guest at Gathering of Poets on April 25. $30 reading fee. Visit www.press53.com.

TANNENBERG ORGAN RECITAL: noon today in the Gray Auditorium, Old Salem Visitor Center, 900 Old Salem Road. The organist will be Regina Pozzi. Free. Call (336) 721-7300 or www.oldsalem.org.

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Announcing a New Source for Reliable, Low Cost Retail Business Cash …

Wednesday, July 30th, 2014

Get affordable, no credit check merchant account cash advance today, simply by completing an online form. Merchant cash advance rates are competitive and funds are made available to approved applicant businesses in less than a week.

Nationwide (PRWEB) July 22, 2014

Theres never been a more straightforward and easy qualification retail business cash advance available to small businesses. With these merchant account cash advance loans, companies can access working capital without a credit check. Competitive merchant cash advance rates are available through this bad credit quick business cash advance program.

The five largest banks in the nation, recently surveyed by news media, state new federal regulations are the primary reason for the high percentage of small business loan rejections. Citing Frank-Dodd, along with previously enacted compliance laws, financing institutions deny commercial loan applications at historical levels. Banks undergo several stress tests each year, a result of the economic meltdown which gripped the nation beginning in mid 2008. Now, those same institutions hold billions of dollars in their reserves.

Small business owners with near perfect personal credit files and high company credit scores are routinely denied financing. Banks now require more than good credit. Small business loan approval requires substantial collateral and full disclosure of all personal and company assets and liabilities. In addition, applicant businesses must provide years of tax returns and scores of financial documents for verification. Personal guarantee notes are common and lengthy applications make funding complex.

Banks assert that hundreds of millions of dollars in defaulted consumer loans, ranging from lines of credit to mortgages, to auto loans, require heavier application scrutiny. Traditional banks are not providing access to working capital, still reeling from such large losses. Under pressure from congressional members to offer more financing options, banks are resisting.

However, innovative alternative lenders are filling the void. With new technology and easier lending standards, low cost loans are available without a credit check. No collateral is required, and there are no application fees. Application approvals stand at 98 percent and approval notification comes in just 24 hours. Funds are made available through direct deposit in three to five business days. Funds can be used for any purpose and rates are competitive. Payments are based on a percentage, rather than a fixed dollar amount. Loan amounts range from $5,000 up to $500,000.

BusinessCashAdvanceGuru.com expanded nationwide services are now available in the following geographical areas:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, and Wyoming.

About Business Cash Advance Guru

http://www.BusinessCashAdvanceGuru.com is a division authorized by TieTechnology, LLC. Business Cash Advance Guru’s merchant cash advance division specializes in helping small business owners realize their dreams. That’s why we created our merchant cash advance program in 2003, and continue to be a merchant cash advance leader in the industry, offering the most flexible payment options and the lowest interest rates and in the business.

About TieTechnology, LLC

http://www.tietechnology.com specializes in small business service based solutions for businesses. Services provided by TieTechnology LLC, include: merchant credit card processing, business service telecommunications, and web based visibility marketing. The advantages of doing business with TieTechnology is their commitment to customer service excellence and their offering of one stop solutions to all business to business service product needs for the customers’ convenience. To learn more about their wide assortment of business services and their specialized divisions, see the following links and descriptions.

For the original version on PRWeb visit: http://www.prweb.com/releases/retail-busines-cash/advance-loans/prweb11992003.htm

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Accident Lawsuit Funding Announces Increase in Applications for Personal …

Wednesday, July 30th, 2014

FAIRFIELD, NJ, July 29, 2014 /PRNewswire/ –Accidentlawsuitfunding.com, a leading national lawsuit funding firm, announced today that they have increased resources and focus in order to provide assistance to increasing applications for accident lawsuit help. Cases such as personal injury, slip and fall, premise liability, car accidents, truck accidents, construction accidents, pedestrian accidents, bicycle accidents, and several others are a primary focus for ALF, as they are continuing to provide and enhance personal injury pre-settlement cash advances. ALFs firm is dedicated with its highly trained customer service that provides 24 hour approvals, low rates, and accident lawsuit guidance. While the number of personal injury accidents and accident lawsuits are increasing so is ALFs focus on getting these cases the help and settlement funding they need.

Chris Janish, CEO of Accident Lawsuit Funding commented on the company results, We are very pleased to see that our clients and prospective clients are applying for personal injury cases on our site at substantially higher rates than over the first 6 months of 2013. It is a testament to our great technology, exceptional customer service, sales staff, and our high approval rates in a timely fashion.

Visit ALFs new website for more details and information on how ALF can help you receive a legal cash advance before your settlement:
http://accidentlawsuitfunding.com/how-the-process-works

According to the Center for Disease Control and Prevention, the National Center for Healthcare Statistics, informs the public that the number of medically attended injury and poisoning episodes in the non-institutionalized population is: 37.4 million and the number of emergency department visits for unintentional injuries is: 29.3 million (CDC/National Center for Health Statistics). With car, truck, bicycle, pedestrian accidents, and all type of personal injury accidents occurring every day, the number of lawsuits being filed continues to increase each year in the US

For more information on personal injury funding visit:
http://accidentlawsuitfunding.com/pedestrian-accident-funding

Personal injury cases can be complex in nature at times and ALF is one of the only companies in the legal finance industry that provides a free quote approval contract and low rates, all within a 12-24 hour period of receiving all of your documents. ALF can provide assistance to help victims receive immediate compensation prior to obtaining a settlement – due to medical treatment, loss of income or future income, rehabilitative care, emotion distress, loss of employment, property loss, and pain and suffering. ALF also provides surgical funding to help victims pay for the surgeries they need, regardless if they have the insurance to cover the needed procedures.

Visit ALFs new website for more details and information on how ALF can help you receive a cash advance before your settlement:
http://accidentlawsuitfunding.com/how-the-process-works

Be advised that the company funding programs should not be confused with any of the following: lawsuit loan, lawsuit loans, settlement loan, settlement loans, or a pre-settlement loan, as sometimes referred to from prospective clients. The lawsuit cash advance is a non-recourse transaction in which the client only has to repay the funds if their lawsuit is successful.

If you or a loved one has been seriously injured and has a personal injury accident lawsuit that they need settlement or pre-settlement funding, apply online at:http://accidentlawsuitfunding.com; or by calling the companys toll free hotline at: 877.571.0405 where live agents are always available to take your call and answer any of your questions.

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Mo’ Money Mo’ Councilmembers: July 15th Reports A Helpful Proxy For …

Tuesday, July 29th, 2014

Lets jump into the numbers.

What Everybody Raised, By Office Sought

Here tis:



After raising no money, mayoral candidate Nicolas Lucier stated,

I vow to take no financial contributions in the 2014 Electoral Cycle, in order to remind Austinites, and the population at large, that Statesmanship, is not about the money, and politicians, are not welcome in any of the representative bodies in Texas.

Thats a nice sentiment. However, its probably not a good strategy if you want to win.

Money Is Important Because Campaigns Cost Money

This is true, and this isnt a bad thing. Staffers like to get paid so they can in turn pay their rent and eat. Personally I was always a fan of not defaulting on my student loans, so when we want to decry money in politics lets first remember that a lot of progressive youths and not-so-youths are getting by on organizer salaries. I digress.

I asked a well-known direct mail consultant, Tom Kelly, roughly what it costs to send 100,000 pieces of mail — a number that is more than enough to contact every voter in any of the single districts but not nearly enough to cover the 250,000 potential voters in the citywide Mayors race.

100,000 mailers would cost roughly $9,800 to print; $4,200 for data and mailshopping; and about $26,000 for postage, plus sales tax on the printing and mailshop. All together, those 100,000 pieces of mail will run you about $40,000, plus a bit more for sales tax.

As you decrease the size of the universe, the cost-per-piece goes up, so even 25,000 mailers will still cost around $16,000 or so. (That is, of course, if youre using a union print shop. If youre not, expect it to become a problem in the Labor and Democratic Club endorsement process. Just a #protip for yall out there.)

All in all, if campaigns want to send a few mailers and hire people to work for them — heck, even if they want to print walk sheets — its going to cost money. So lets talk about who raised what, and who spent what.

Where The Moneys Going: Top Districts By Money Raised

Obviously the cadre of mayoral candidates raised the most. Steve Adler raised $366,191.82, and Mike Martinez raised $162,206.73. Sheryl Cole brought in another $93,870, and with the minimal amounts that Todd Phelps and Randall Stephens added, the overall mayoral haul was $624,403. Not a bad chunk of change.

Heres the cumulative money raised in each of the 10 districts. Note: this is raised only, not self-funded.

    District 1: $48,247
    District 2: $16,277
    District 3: $21,204
    District 4: $111,327
    District 5: $64,833
    District 6: $73,452
    District 7: $51,394
    District 8: $90,777
    District 9: $140,158
    District 10: $203,149

District 10 led all other geographies in total funds raised with over $200,000, due in part to three candidates clearing $45,000: Robert Thomas ($52K), Mandy Dealey ($50K), and Sheri Gallo ($45K). Next highest was District 9 with $140,158, led by Chris Rileys $96,851 haul. Finally, District 4 saw over $111,000 be poured into the coffers of six of the nine candidates announced.

By The Districts, By The Numbers

In District 1, Ora Houston is presumed to be the frontrunner owing to her long history of service to the community. She raised over $29,000 — more than the other five candidates combined — and has a campaign manager on the ground. Former candidate DeWayne Lofton finally launched his campaign and raised over $11,000 but its not clear if he has the time to make up the difference.

In District 2, Delia Garza is a clear front-runner, not just because she managed to raise more money than her opponent — who couldnt even make my monthly student loan payments with his cash on hand — but because she has an impressive campaign operation and widespread community support.

District 3 is more perplexing at this point. The 9 candidates raised a collective $21,204, led by Susana Almanzas $11,170. However, Fred McGhee loaned himself over $12,000 and Shaun Ireland tossed $6,970 into his own campaign, so they too have money to spend. The big X-factor here is turnout. This is a traditionally lower-turnout area, and if the other candidates can marshal a real grassroots operation, money may not matter as much here as it will in the more suburban districts. Keep an eye on Julian Limon Fernandez, of Austins iconic Limon clan, and Sabino Pio Renteria, long-time neighborhood advocate (and brother of Almanza).

As for District 4, lord-or-whatever-you-believe-in have mercy. There are 9 candidates, and they raised a total of $111,000 — in a district that may have the lowest turnout. Former Workers Defense organizer Greg Casar brought in $40,057; health policy expert Katrina Daniels raised $30,065; and former candidate and anti-flouride activist Dr. Laura Pressley raised $30,430. While that somewhat distinguishes the frontrunners, this race is far from settled. Sharon Mays is also making a solid impression among City Hall watchers, and Marco Mancillas is familiar with the political circuit as well. Are any residents of the district not planning a campaign at this time?

In District 5, former State Rep. Ann Kitchen was the clear fundraising leader, bringing in over $42,000. Former chief of staff for Wendy Davis (yes that Wendy Davis) Daniel Buda raised $14,854 himself. Kitchen also added another $20,700 in loans, while Buda tossed in $5,100. Meanwhile, Republican activist Jason Denny and attorney Dave Floyd are still in the race as well, along with Mike Rodriguez. Its hard not to see Kitchen as the frontrunner here; arguably whatever anti-Kitchen vote exists might well be split between the other opponents.

Up in District 6, which straddles the Travis-Williamson County line, Jay Wiley, Jimmy Flannigan, and Pete Phillips Jr. all raised between $20,000 and $23,000 dollars. Surprisingly, former legislative candidate Matt Stillwell only brought in $7,451. Wiley also added over $11,000 in loans to his coffers. In this district, which could actually elect a Republican, Wiley has emphasized his conservative credentials. Meanwhile, Democrats need to unite behind a candidate to propel into the runoff.

Over in District 7, which runs from Allandale up to Howard Lane and includes large swathes of McNeil all the way over to Dessau Road, Jeb Boyt led the way with $20,338 raised, followed by Jimmy Paver, who brought in $18,581. No one else cracked $7,000. Paver added a $40,000 loan to his campaign, while Ed English gave himself $10,000.

Down in District 8, which includes southwest Austin, five serious candidates combined to raise over $90,000 led by previous candidate Darrell Pierces $36,617 haul. Ellen Troxclair and former candidate Eliza May also raised around $18,000 each, while Becky Bray loaned herself $50,000. Ed Scruggs raised over $9,000 and added over $6,000 in loans.

In District 9, where sitting councilmembers Chris Riley and Kathie Tovo will square off along with newcomer Erin McGann, Riley led the pack with $96,861 raised. Tovo raised $41,332, and now has $76,807 in outstanding loans, though over $60,000 is leftover from her 2011 campaign effort. Despite raising more than twice as much as Tovo, Riley kept his expenditures lower and has over a 2-to-1 cash-on-hand advantage.

Last but in the minds of Tarrytowners certainly not least, District 10 saw the largest aggregate raise of over $200,000 flowing into nine campaign accounts. As noted above, three candidates raised more than $45K apiece (Dealey, Gallo, and Thomas). Thomas supplemented his funds with a $100,000 cash loan. This district will likely have the highest turnout, but with so many candidates vying for a spot in the inevitable runoff this race will remain challenging. Adding to the chaos was the late entry of former candidate Jason Meeker, who may challenge Dealey for hardcore Democratic votes.

Hey Big Spender!

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Fraud charges mount for two women

Tuesday, July 29th, 2014

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Fraud charges mount for two women

Sabra Stafford
sstafford@turlockjournal.com
209\x2D634\x2D9141, ext. 2002
July 24, 2014

\x3Cp\x3E\x3C/p\x3E\x0D\x0A\x3Cp class\x3D\x22MsoNormal\x22\x3ETwo Fresno women are facing a long list of criminal charges after they were caught in Turlock with more than 30 fraudulent credit cards.\x3C/p\x3E\x0D\x0A\x3Cp class\x3D\x22MsoNormal\x22\x3EAround 4 pm Monday, Porcha Bush, 26, and Ashley Fambrough, 18, entered the Wells Fargo bank at 440 E. Olive Ave. and attempted to get a cash advance off a credit card.\x3C/p\x3E\x0D\x0A\x3Cp class\x3D\x22MsoNormal\x22\x3EWhen the teller tried the transaction the credit card was declined and a fraud alert notification was sent.\x3C/p\x3E\x0D\x0A\x3Cp class\x3D\x22MsoNormal\x22\x3EThe bank notified the Turlock Police Department and officers were able to stop the two women just as they were leaving the parking lot.\x3C/p\x3E\x0D\x0A\x3Cp class\x3D\x22MsoNormal\x22\x3EInside the women\x26rsquo\x3Bs car officers found more than 30 fraudulent credit cards, said Turlock Police spokesperson Officer Mayra Lewis.\x3C/p\x3E\x0D\x0A\x3Cp class\x3D\x22MsoNormal\x22\x3EThe women were using phony identification cards that had been linked to real accounts to steal the money, according to the police report. It\x26rsquo\x3Bs suspected they had been using this scheme at multiple banks in the Central Valley area.\x3C/p\x3E\x0D\x0A\x3Cp class\x3D\x22MsoNormal\x22\x3EThe two women were booked into Stanislaus County Jail, where a search revealed an additional fraudulent credit card and cash hidden on Fambrough\x26rsquo\x3Bs person.\x3C/p\x3E\x0D\x0A\x3Cp class\x3D\x22MsoNormal\x22\x3EBush was booked for commercial burglary, attempting to pass a counterfeit credit card with intent to defraud and conspiracy, and Fambrough was booked for possession of account information for another\x26rsquo\x3Bs credit card with intent to commit fraud and conspiracy.\x3C/p\x3E

http://www.turlockjournal.com/section/15/article/26716/
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topcreditcardprocessors.com Selects Micamp Merchant Solutions as the Top …

Monday, July 28th, 2014

>PRWEB.COM Newswire

(PRWEB) June 29, 2014

The independent authority on credit card processors, topcreditcardprocessors.com, has named Micamp Merchant Solutions the best merchant cash advance agency for the month of June 2014. Micamp Merchant Solutions was chosen based on their effective performance in an in-depth analysis of the solutions they offer. While there are thousands of agencies offering a variety of solutions, the rankings consist of the best highlighted based on the results of the in-depth evaluation process.

The independent research team at topcreditcardprocessors.com performs a meticulous examination of the competing firms in order to remain apprised of the latest accomplishments within the industry. Performing firms are put to the test through the use of five verticals of evaluation in areas including customer support, efficiency, availability, reliability, and competitive rates. The ratings consist of the best merchant cash advance firms each month with the ratings being updated due to the latest information obtained from the examination.

To supplement the research, the independent research team also connects with customer references provided by the competing services. When interacting with clients, the research team delves into the customers overall satisfaction. Insight from clients is used to better understand the strengths and competitive advantages of the services being tested.

Micamp Merchant Solutions has been awarded the rank of top merchant cash advance firm in the monthly rankings at topcreditcardprocessors.com due to their exceptional customer service, their comparative performance over previous months, and their dedication towards excellence. It is due to this information that topcreditcardprocessors.com suggests customers of payment processing solutions consider Micamp Merchant Solutions.

About Micamp Merchant Solutions

Since 2007 MiCamp Merchant Services has provided merchants with guaranteed low processing rates amp; fees, localized agents who provide personal service and support, cost effective and efficient payment solutions, state of the art point-of-sale technology, reliable 24/7/365 technical support and customer service, next day funding of batch settlements, month end fee discounting, free online account management tools and much more.

About topcreditcardprocessors.com

topcreditcardprocessors.com is a producer of credit card processing information. The main ambition of topcreditcardprocessors.com is to uncover and name those individuals or companies offering best credit card processing solutions available. Merchant cash advance companies are put through a rigorous investigation to ensure the recommendations contain the absolute best companies the credit card processing industry has to offer.

For additional information about Micamp Merchant Solutions visit:

http://topcreditcardprocessors.news-prs.com/us/profile-micamp-merchant-solutions

For the rankings of the top merchant cash advance firms visit:

http://topcreditcardprocessors.news-prs.com/us/merchant-cash-advance-rankings

Read the full story at http://www.prweb.com/releases/2014/06/prweb11983537.htm

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Bogus payday loan offers siphon money from victims

Monday, July 28th, 2014

HUNTSVILLE, AL (WAFF) –

Many people in a pinch between paychecks may utilize payday loan services.

At least two online payday loan businesses are using bogus loan officers to get upfront payments from unsuspecting consumers.

Cash Advance USA and Fast Cash Loan USA are the companies in question.

Consumers say they were contacted after filing out loan applications online. Some of the applications were on Cash Advance USA or Fast Cash USAs websites. Others say they filled out applications on sites that appeared unrelated. The victims say they were told to make upfront payments but never received their loans.

The saddest part about this is these are people who need money, said Michele Mason with the Better Business Bureau. They dont have the money to lose, by any means, and now they are going to find themselves in worse financial position.

If you need to take out a loan, try to find a local source that is reputable and that you trust. Make sure you get everything in writing, and know that it is illegal for companies to charge advance fees for loans.

Copyright 2014 WAFF. All rights reserved.

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County tabs $7.3M to keep flood recovery moving

Monday, July 28th, 2014

Facing delays in federal reimbursements for flood recovery work, Larimer County commissioners voted Tuesday to authorize county staff to dip into a $3 million cash advance from the state and $4.26 million in county reserves in hopes of keeping recovery efforts moving.

Early projections for when the county would be reimbursed for response and recovery costs related to the September floods were overly optimistic, County Manager Linda Hoffmann said.

As of July 11, the county had spent $14.8 million of the $16 million authorized by commissioners for flood recovery. While federal and state officials had pledged to reimburse flood-damaged counties for the bulk of their work, the county has been reimbursed for $2.1 million to date, causing cash flow concerns.

Were hopeful that now the plug is out of the pipe and that weve gotten some reimbursements through, (were) hoping they flow more smoothly, Hoffmann said during the commissioners meeting Tuesday morning.

Based on the latest estimates, Hoffmann said Larimer County could spend as much as $69 million on flood recovery projects well into the next two or three years. Of that, between $11 million and $22 million will not be reimbursed, she said.

The cash advance, and use of the county reserves, will help satisfy the countys cash flow needs — namely going toward recovery-related projects that have fallen in the middle of the countys busiest time for construction.

We would use those two sources to keep our contractors paid, our consultants on board, Hoffmann said, adding that the cash advance will be reimbursed according to what the county and state agree upon and the $4.26 million in reserves will be replenished as the county starts to see reimbursements roll in.

According to the Federal Emergency Management Agency, or FEMA, emergency work in disaster areas is usually the first to be reimbursed. As communities get into the recovery phase, there are more permanent repairs that need to be taken on, including replacing roads and bridges.

To determine if a county or municipality should be reimbursed for recovery projects, FEMA first determines eligibility, reviews the projects, approves them and then covers 75 percent of the project cost. It then gives its share to the state, which reviews receipts and makes sure the repairs meet set standards.

It is a step-by-step process and often times the large projects take a while to reimburse because they take more time, said FEMA spokeswoman Crystal Payton, adding that any project costing more than $67,500 in the flood recovery efforts is considered large.

There are multiple reasons for the delay and they all come back to the same basic fact — this was a very big disaster, Hoffmann said in an email. Our staff is on a steep learning curve regarding the documentation that is required for reimbursement, the state is on a steep learning curve regarding how to review and process requests, and FEMA is learning how to work with the state on a disaster of this magnitude.

MORE: Lower Buckhorn Road repairs begin 10 months after flood

MORE: 10 months later, FEMA flood recovery money piles up

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