Archive for July, 2015

Merchants Advance Network Named Top Merchant Cash Advance Service by …

Friday, July 31st, 2015

NAPLES, FL–(Marketwired – July 20, 2015) – The independent authority on credit card processors,, has named Merchants Advance Network the best merchant cash advance service for the month of July 2015. Merchants Advance Network was chosen based on their strong performance in an in-depth analysis of the solutions they offer. While there are thousands of services offering a variety of solutions, the rankings consist of the best featured based on the results of the in-depth evaluation process.

The independent research team at performs a meticulous evaluation of the competing services in order to remain informed of their latest successes within the industry. Contending services are evaluated through the use of five areas of evaluation in areas including rates, calculation methods, security, customer support, and efficiency. The ratings consist of the best merchant cash advance services each month with the ratings being updated due to the latest information obtained from the evaluation.

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

Merchants Advance Network has been awarded the rank of best merchant cash advance service in the monthly rankings at due to their exceptional client satisfaction, their comparative performance over previous months, and their dedication towards excellence. It is due to this information that suggests customers of credit card processing solutions consider Merchants Advance Network.

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Cash advance firm sees 100% spike from cycle retailers | Bicycle Business …

Friday, July 31st, 2015

Business cash advance companyLiberis has told BikeBiz it has seen a more than a 100% increase in demand for its funding from independent cycle retailers across the country in the past year.

The average amount requested is around pound;15,000 with the most common uses being to buy stock, to fill a cash-flow gap and store refurbishment.

According to its CEO, Paul Mildenstein, Demand from cycle retailers is up generally, but we saw a particular spike in the first quarter of this year, mainly for stock purchases. This used to be covered by bank overdrafts, but these are still in short supply for independents even though business confidence is coming back.

The funding choices for cycle retailers are better than ever before, with a wide range of options including crowd funding, business cash advance, peer-to-peer, business angels and pension led funding. The use of use of technology through online platforms is changing the way that small businesses can access capital, bringing efficiencies and convenience never seen before. he adds.

That said, he also warns many small business owners remain unaware that there are non-bank funders out there willing and able to lend money. In a recent survey with One Poll of 1,000 small firms, 45 per cent didnt understand what alternative funding was or had never heard of it. The situation is made worse by the lack of research small businesses do into funding options. A British Business Bank study showed that 40 per cent of business owners spent under one hour researching funding and 20 per cent spent one to two hours.

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Bombed out AIM stocks to buy now

Friday, July 31st, 2015

Having last month written about the top performers on AIM that have at least doubled over the past year, this time I am assessing the poor performers over the same period. The focus is the AIM companies that could do much better in the coming year.

The share prices of the majority of FTSE AIM All Share companies that have been quoted for at least one year have declined over the period. Some of these have fallen by a small percentage but there are plenty that have halved.

Here are four companies whose share prices have at least halved, but that have potential to recover some of those losses or possibly do even better. These are not short-term investments and the companies need to do more work, and in some cases wait for their markets to recover before there is a substantial recovery. There are varying chances, though, that any or all of them could continue to fail.

Ten Alps (TAL)

3p (-63.9%)

One of the most significant things about Ten Alps(TAL) is the backing of its institutional shareholders which have lent money as well as buying new shares in order to provide finance to keep the TV programme producer and publisher going. Herald Investment Trust and other institutional investors obviously realised that Ten Alps could be nursed back to a sound financial position.

Ten Alps anticipated that there would be a move from paper publications to the digital equivalent and it acquired a business-to-business (B2B) publishing firm in order to move its publications online. The switch to digital was not smooth and Ten Alps took on a lot of debt when it made this and other acquisitions. The government terminated the profitable Teachers TV contract in 2010 when the business information market was being hit by a decline in advertising revenues. A debt restructuring and fundraising was undertaken at the end of 2010 and further fundraisings were subsequently required. The appointment of former ITN boss Mark Wood as chief executive at the end of 2014 and the reverse takeover of Reef Television could prove the turning point for the group.

Reef provides additional expertise in daytime and factual entertainment TV formats, including Selling Houses with Amanda Lamb, as well as providing additional scale and a larger programming catalogue. Reef also has in-house post-production facilities. The enlarged group will produce 150 hours of TV each year. Ten Alps is paying an initial £2 million in cash, loan notes worth £1.5 million and deferred consideration of up to £1.5 million plus additional earn-out payments if total gross profit over three years exceeds £6 million. In 2014, Reef made a gross profit of £1.49 million on revenues of £5.74 million.

Ten Alps has also consolidated every ten shares into one new share. A placing and subscription at 2p a share (post-consolidation) raised £4.5 million. Some of the existing debt will be consolidated. The shares issued in the latest acquisition and refinancing account for more than 90% of the enlarged share capital.

Entrepreneur Luke Johnson, who is a former chairman of Channel 4, is joining the Ten Alps board. The strategy is to grow the TV division, build on the strong B2B publishing market position and increase revenues from providing digital content. Ten Alps continues to be loss-making, but the reduced cost base and the latest acquisition mean that it is in a good position to return to profit.

Pressure Technologies (PRES)

206.5p (-73.1%)

Pressure Technologies(PRES) is a good, sound business, but the fall in the share price might lead you to think otherwise. The problem is that the oil and gas sector is a major customer for the companys high pressure cylinders. The order book has fallen by one-third since the end of September 2014 due to a sharp reduction in capital spending by oil companies.

This meant that Pressure Technologies swung into loss in the six months ended March 2015, although if exceptional write-offs are excluded the company is still profitable. Cash generation from operations was strong, but Pressure moved into a net debt position because of acquisitions and the purchase of a freehold that will lead to annual cost savings of £200,000.

(click to enlarge)

Despite the uncertainty about the oil and gas sector and the slow build up in demand from the biogas sector, the long-term outlook is positive. Pressure Technologies is involved in specialist engineering businesses where there are a limited number of suppliers and it has a strong market position. Demand will eventually recover and Pressure Technologies will be there to take advantage.

An underlying 2014-15 profit of £2.7 million is forecast but there has already been a number of downgrades over the past year. This figure does appear achievable and the unchanged interim dividend of 2.8p a share suggests that management is confident that it can maintain the full-year payout.

This is the least risky of the four companies. There is undoubtedly an underlying demand for Pressure Technologies products and this will return when the markets improve. On top of this there is a solid balance sheet even if there is net debt after recent acquisitions.


2.75p (-54.9%)

3D software developer DDD(DDD) has been on AIM for more than a decade and it took many years to make a profit. However, just when it seemed that its time had come the fashion for 3D proved to have a limited life. DDD fell back into loss in 2013 after two years of profit. The 3D products are still generating revenues, but management made the decision to move into 2D software. The investment in these new software products should start to pay off in the next year or so.

TriDef SmartCam, which can be used to replace the background image when people are on webcams, is the first of the new products to be launched. For example, if someone is on a webcam playing a game with other people they can use this software to change their background to one that fits with the game. A two-year distribution agreement has been secured with SplitMedia Labs, which runs XSplit live internet broadcasting services. SplitMedia will integrate the software with its own products. XSplit users can acquire TriDef SmartCam for $9.99, with DDD getting 70% of the payment. There are more deals and other new software to come.

(click to enlarge)

While the performance of the underlying business should improve there are also potential one-off gains from enforcing the companys patents and getting compensation from firms that have been using the technology without paying royalties. Management has signed up patent adviser Dominion Harbor, which has expertise in negotiating these payments and it does not always have to resort to legal action. There will be a 70/30 split of any royalty and other payments between DDD and Dominion Harbor. DDD also has tax losses that might be available to use if gains are made. A suit has just been filed against LG Electronics alleging the Korean firms range of 3D televisions infringe three of DDDs US patents.

DDD directors have been snapping up shares in recent weeks. Chairman Nicholas Brigstocke acquired one million shares at 2.125p a share, taking his stake to 1.8%, while Dr Sanji Arisawa bought 500,000 shares at 3p each, which took his shareholding to 1.5%.

DDDs long-term prospects are dependent on the success of its new software products with the potential of one-off shareholder distributions if major patent infringement cases are successful.

EU Supply (EUSP)

7.5p (-76.4%)

Sweden-based EU Supply(EUSP) is a company that should benefit from EU mandates that mean government-related tenders have to be managed electronically by 2018. EU Supply has its own platform that provides SaaS-based sourcing tendering and contract management services for the European public sector. The platform can be configured online for different national requirements.

The e-tendering market is forecast to grow from EUR75 million in 2013 to EUR350 million in 2017 and EU Supply addresses one-third of this market. There are plans to partner with an IT services company to move into new markets.

EU Supply joined AIM on 13 November 2013 when it raised £5 million at 22.6p a share. The share price almost doubled in the first six months as a quoted company. The problem has been that, even though EU Supply has won contracts, the growth in the business has not been fast enough to cover the ramp up in costs in anticipation of growth.

EU Supply is losing money and is unlikely to move into profit until 2017. A profit of £1.5 million forecast for 2017 would put the shares on a multiple of just over four times EPS estimates. But forecasts have been consistently downgraded so this has to be viewed with caution. The attraction of EU Supply is that it does have customers and it can grow revenues from this customer base.

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This article is for information and discussion purposes only and does not form a recommendation to invest or otherwise. The value of an investment may fall. The investments referred to in this article may not be suitable for all investors, and if in doubt, an investor should seek advice from a qualified investment adviser.

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Pothole Strategy | Commentary by George Runner –

Thursday, July 30th, 2015

Call me a conspiracy theorist, but something is rotten with road funding in California.

Sacramento is flush with billions in unanticipated revenue. Yet a record $115 billion budget spending plan signed by Gov. Jerry Brown shortchanges the states transportation and infrastructure needs. The only real funding boost goes to high-speed rail.

Budgets reflect priorities, and this shows that fixing roads is not a priority to Democratic legislators. Instead of fixing deteriorating freeways, some liberal lawmakers still hope Californians will give up their cars and ride mass transit.

But tax-and-spend politicians sense an opportunity. By starving road maintenance budgets, they hope to create public pressure for tax increases. Rather than curb wasteful spending, they want to have their cake and eat it, too.

Call it the pothole strategy. Its similar to when the federal government closes the Washington Monument or school districts force teachers to buy their supplies. These highly visible actions appeal to peoples emotions and can generate public support for higher taxes.

I hope Californians will not fall for this trick.

The governors recent call for a special session of the Legislature on road funding provides an opportunity for lawmakers to push for higher road taxes. And Brown has now indicated that his promise to require a public vote on new taxes was for his first term only.

It will only take a two-thirds vote of the Legislature and the governors signature to raise your taxes.

Already this year, Democratic lawmakers have proposed new road-user charges and higher gas taxes aimed at generating billions in new revenue.

Whats particularly frustrating about these efforts is that Californians are paying more gas taxes this year. Californias mysterious cap-and-trade auction on carbon emissions is bringing in billions in new revenue.

Since Jan. 1, much of this funding comes courtesy of California motorists who pay a new hidden gas tax on tailpipe emissions. Its called a hidden tax because no one seems to know how much it actually is, though most experts seem to agree its at least 10 cents a gallon.

So far, not a dime of the money collected has been used to improve our roads. Rather policymakers are directing billions to pet projects, like high-speed rail, and favored constituencies.

Due to high taxes, unique regulations and limited refining capacity, California gas prices are higher than nearly all other states. Californias gas prices this year have at times exceeded the national average by more than a dollar per gallon!

Over a 10-year period leading up to 2014, sales and excise tax revenues from fuel sales grew by nearly 35% from $6.5 billion to a record $8.7 billion. Due to a complicated formula the Legislature enacted five years ago, Californians have been overpaying tax. Thats why my colleagues and I on the Board of Equalization lowered the gas tax by 6 cents per gallon as of July 1.

If you hear complaints about transportation funding cuts resulting from this rate cut, keep in mind that local governments essentially received their funding sooner than they would have otherwise. Its like a payday advance. When you get paid early, you shouldnt complain about not getting a second paycheck on the regular payday. Neither should government.

Instead of raising taxes, lawmakers ought to use the upcoming special session on roads to:

* Identify and eliminate bureaucratic waste and mismanagement that drives up the cost of transportation projects.

* Close loopholes that allow diversion of transportation dollars. Prioritize spending to ensure funding for highways, roads and other vital infrastructure needs.

* Direct cap-and-trade revenues to fighting emission-causing traffic congestion and gridlock by expanding roads and building new ones.

* Repeal the confusing gas tax swap and restore a fuel tax system that is clear and easy for the public to understand at the pump.

* Direct the California Transportation Commissions Road Charge Pilot Program to consider only revenue-neutral alternatives to the gas tax system.

If, after taking these actions, the governor and Legislature remain convinced of the need for higher tax to fund roads, they should put forward their best plan and let voters decide. Giving the public a chance to weigh in on the issue, however, doesnt let lawmakers off the hook who got us into this situation by grossly mismanaging taxpayer dollars.

George Runner represents the Santa Clarita Valley and nine million other Californians on the State Board of Equalization where he serves as Vice Chair. For more information, visit

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Stocking your Liquor Store with a Merchant Cash Advance

Thursday, July 30th, 2015

Merchant Cash USA, a cash advance company opening its doors to clients within the next week, is looking to help those involved in the alcohol and spirits industry increase revenue and sales for cash flow.

Las Vegas, NV (PRWEB) July 02, 2015

The liquor, wine, and beer industry is one that is growing in the United States. With the economy on the rise, people are celebrating more and kicking back with a drink — especially when it comes to the summer months. Liquor store businesses are not only in competition with each other, but directly competing with convenience stores, grocery stores, and other locations that may sell spirits. The industry is considered generally profitable, but with proper management of money coming in and going out.

Merchant Cash USA is here to help. The organization is revving up to take on new clients in conjunction with the companys launch, and can supply beverage companies with a merchant cash advance. Merchant Cash USA has a more lenient criteria including if companies have mediocre credit, existing loans, or have been in business less than a year.

Unlike a traditional bank loan, consideration is given to a companys size and payback abilities. If a company is a mom and pop run business, Merchant Cash USA knows daily payments need to be structured in a way that is suitable to ones needs. Some bank loans require collateral such as housing or vehicles to qualify for a loan, or risk lofty penalties if late payments are made. With Merchant Cash USA no collateral is ever required. Funding is based purely on business performance.

About Merchant Cash USA

Merchant Cash USA was founded in 2015 to help businesses grow by obtaining the cash flow they need. The organizations mission is to offer small to medium size business owners cash advances without the hassle of big bank requirements. Visit to find out more of follow us on social media. Facebook and Google Plus: Merchant Cash USA and Twitter: @merchcash.

For the original version on PRWeb visit:

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15 easy credit card hacks

Wednesday, July 29th, 2015

With many credit card options on the market — from rewards points, to cash-back bonuses and more — the quest to save money and navigate credit card incentives has become a little more complicated.

As an avid user of credit card perks, you might be looking to gain deeper knowledge on how to strategically use your cards and save even more money. Here are 15 quick and easy hacks that you can use to get the most out of your credit cards.

1. Change your bill’s due date.
Sometimes timing makes all the difference. If your credit card bill is due on an odd day of the month, making it difficult to stay ahead of payments, suggests calling your credit card issuer and asking to have the due date moved to one that’s more convenient. According to Time, this request is almost always approved.

2. Pay mid-cycle.
Even if your due date falls on a convenient day, you don’t have to wait until then to pay. In fact, if you’re carrying over a balance, Time notes that making a credit card payment mid-cycle will reduce the balance that’s reported to the credit bureaus — balances that appear on your credit reports tend to be based on the end of the billing cycle. Pay a portion of your balance a few days early if you’re trying to boost your credit score.

3. Pay off purchases in full with rewards cards.
Getting a rewards credit card is tempting, but this type of card might carry a higher interest rate than a non-rewards cards. But by paying attention to the interest rate as well as the rewards, consumers will get the best of both worlds — the best interest rate available as well as reward points, said Dan Blacharski, spokesperson at

With that said, the best way to get those credit card goodies is to use your rewards card for purchases you plan to pay off completely at the end of the month.

4. Take advantage of 0% APRs.
When you open a new credit card, you might be eligible for a 0% APR introductory period. Use this period to pay down or pay off any consumer debt you have. Transfer debt from other cards to your zero interest cards, but first make sure there aren’t any transfer fees. Once the balances are on your new credit card, work hard to pay it off before the introductory period ends.

5. Become a credit card affiliate.
Already have a blog or personal website? If not, now might be the time to set one up and make money online.

Some credit card companies, such as Discover, offer affiliate programs. If you advertise a card on your website via affiliate links or ads, and someone signs up for that credit card, you could get compensated in the form of money and other perks.

6. Create a credit card spreadsheet.
Start a spreadsheet where you list the cards you have open, their spending limits, APRs and the dates when annual fees kick in. You’ll be one step ahead of the game and won’t fall prey to forgetting when an intro offer period ends.

7. Ask for the better bonus.
Have you ever made a purchase, only to find out there was a better deal available a week later? Sometimes the same thing happens with credit card sign-up bonuses. According to personal finance blog Wisebread, however, there’s no reason to miss out on a better deal: To their customer service representative, it’s as easy as changing the ‘promo code’ field on their computer screen.

8. Close credit cards you don’t use.
Are there cards you still have open that you haven’t used in months? Make a calendar appointment with yourself, and go through your current stash of cards on an annual basis. Close credit cards you haven’t used or don’t plan on using again to avoid any unnecessary fees or charges.

9. Close credit cards before annual fees kick in.
Many cards offer no annual fees for a specific period of time as an introductory offer. Weigh the value of the card prior to that period ending. If you don’t find enough value in the rewards the card offers, close the card before those pesky annual fees kick in. Save yourself anywhere from $15 to $300 per year.

10. Skip international fees.
Before your next international traveling adventure, consider opening a card with no foreign transaction fees. Foreign transaction fees add up quickly and can be as much as 1 to 3 percent of purchases.

11. Earn money where you already shop.
Save money at stores you already shop at with Amex Offers. Log into your account, find store offers that you like, and add it to your American Express credit card. Doing so will allow offers to be applied to your credit card statement when you shop.

Last year they gave you $150 back for spending $150 at ATamp;T wireless, said Randall Reinwasser, CFP at Solitude Canyon Investment Advisors based in Fountain Hills, Ariz., and author of the book Underground Savings. While that is the best deal I’ve ever seen, they have recently had compelling offers with Whole Foods, Sprouts, Staples and many more. This is free money for buying items and services you were going to purchase anyway.

12. Increase your credit limit to preserve credit scores.
If your credit score has improved, consider asking for an increased line of credit on your current cards. This will allow a larger gap between your spending and your credit limit, helping increase your credit utilization ratio and preserving your high credit score. Just don’t overspend.

13. Get cash advances instead of loans.
Sparingly using low interest cards for cash advances can help you save money when compared to a payday loan. By comparing the cash advance fee with the fees associated with traditional consumer lending, consumers will save money on fees and interest, said Blacharski.

But be careful if you are in need of quick cash, he warned. Credit card cash advance fees might be higher than you would expect. Going to your local bank for a consumer loan or line of credit could be a wiser decision.

14. Use reward cards to buy gift cards.
Most large grocery stores, department stores and electronics stores now carry gift card kiosks. If you are itching to spend a certain amount to reap the rewards on your credit card, see if you can buy gift cards with it. This way you earn points or mileage on your credit card without spending too much.

15. Opt for cash-back rewards cards.
Instead of using a store credit card that offers rewards for only shopping at a particular store, consider getting this: a cash rewards credit card that gives you cash back on all your purchases no matter where you shop.

From 15 easy credit card hacks


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How to Escape the Credit-Card Fee Trap

Tuesday, July 28th, 2015

Schulz said that its important to look at the terms and conditions before applying for a card. Afterward, setting up auto-pay will help you to avoid one of the most-common fees: a late charge, he added. Other frequent charges include annual fees, balance transfer fees, foreign transaction feesand cash advance fees.

Must Read: JPMorgan Hit Hardest Under Feds $200 Billion Crisis-Prevention Plan

In the survey, 99% of the the cards charged late fees and 81% had returned payment fees, typically $35.

Still, credit-card usersare better off in many waysthan a decade ago. With the implementation of the Credit Card Accountability, Responsibility and Disclosure Act of 2009, also called the CARD Act, late fees were capped at $27 for thefirst late payment and $38 thereafter.

The CARD Act really just slashed a lot of the fees, said Linda Sherry, director of national priorities for They made it much more consumer friendly.

Twenty-six percent of cards in the survey had an annual fee ranging from $25 to $195, while nearly 80% charged balance transfer fees that weretypically 3% of the transfer amount. Foreign transaction fees were found on 77% of the cards, usually charging 3% of each transaction in US dollars, according to the survey.

Finally, 98% of cards surveyed charged cash-advance fees, ranging from $10 to as much as 5% of the advance amount.

Otherlesscommon fees, according to

  • Account re-opening fees
  • Overdraft protection fees
  • Statement hard-copy fees
  • Pay-by-phone fees
  • Replacement card fees
  • Expedited card-shipping fees
  • Stop-payment fees.

The most obvious way to limit fees, of course, is maintaining a good credit score, since lenders tend to offer the best deals to the customers most likely to pay back what they borrow. That said, here are the three cards that placed at the top and the bottom of the survey:

No Fee

The PenFed Promise Visa Card, whichhas no fees, is issued by the Alexandria, Va.-basedPenFed Credit Union.(The name is a reference to the Pentagon, not the state of Pennsylvania.) Established in 1935 as the War Department Credit Union, the institutionhas more than1.3 million members in all 50 states as well as Washington, DC, andmilitary bases in Guam, Puerto Rico and Okinawa, according to itswebsite.

Sherry recommends credit unions because they oftenoffer better deals for their members.

Its a great card, said Sherry. Almost anyone can join some kind of credit union, somewhere, and they should look into their credit union card.

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Credit card ‘convenience checks’ can carry painful fees

Tuesday, July 28th, 2015

Those checks your credit card company sends you may be tempting. But if you use them, itll probably cost you.

The so-called convenience checks are one form of a cash advance, and a new survey from finds that such advances often come with high fees and interest rates.

Of the 100 cards reviewed by the site, 98 charged for a cash advance, and most often the fee was 5% of the amount, or $10, whichever is more.

And unlike a regular credit card purchase, interest on cash advances usually starts accruing right after the transaction. Given that the average interest rate on an advance is 24%, a steeper rate than whats usually attached to a standard purchase, consumers can wind up owing far more than they bargained for.

I think that people generally understand that the cash advance is kind of a different animal than your standard credit card purchase, I just dont know that they know fully all the details, says Matt Schulz, senior industry analyst for Interest kicking in immediately, for instance, can make those super high interest rates an even dicier proposition than they would normally be.

A typical $1,000 cash advance would cost an extra $69 even if its paid off in 30 days because of the fee and interest beginning to accrue immediately. On the other hand, a standard credit card purchase of $1,000 would not accrue any interest if paid off within that same month-long period.

Other credit card transactions that might be considered cash advances are money orders, wire transfers and even the purchase of a lottery ticket.

Schulz adds that a consumer who only pays the minimum amount due may not make a dent in what they owe for a cash advance. Thats because the federal Credit CARD Act allows card issuers to direct a minimum payment to the balance that carries the lowest interest rate. And thats unlikely to be the higher interest cash advance.

The longer you let those high interest rate balances continue to grow, the harder and harder it will be to eventually get rid of that debt, he says.

Despite the costs, a cash advance may sometimes be necessary, Schulz acknowledges, and it can be less onerous than a payday loan, or in some cases, even an overdraft.

When you boil it all down, what people need to know is that cash advances can be the best of a bunch of really bad options when times get tough, he says. If you do (take) one, its incredibly important to pay it off as soon as you possibly can because the math can work against you really quickly.

But, he emphasizes, under normal circumstances, theyre something you should avoid.

Based on CreditCards.coms review of 100 credit cards, those cards with the highest APRs for a cash advance were:

oFirst Premier Bank credit card (36.00%)

oBP Visa and the Texaco Visa (both 29.99%)

oExxonMobil SmartCard (29.95%)

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9 Dumb Ways to Borrow Money, and 4 Better Choices

Monday, July 27th, 2015

From our Solutions Center: Get a great rate on a personal loan with peer-to-peer lending

Payday loans (or cash advances) are small, high-interest loans repaid from your paycheck. Typically you borrow $500 or less.

You may have to give the lender access to your checking account or write a check for the full loan amount for use in case you miss a payment.

Payday loans typically are due in full from your next paycheck. Some, though for bigger fees  offer interest-only payments (or renewals or rollovers) or may be repaid in installments over time. The Consumer Financial Protection Bureau has a detailed description.

Payday loans can get borrowers into deep trouble. If you roll over the loan multiple times its possible to pay several hundred dollars in fees and still owe the amount you borrowed, says the CFPB, in a warning about rollovers. Some states ban rollovers.

2. Car title loans

With these short-term, high-cost loans, you hand over the title to your car, truck, motorcycle or other vehicle and pay a fee, sometimes up to 25 percent of the loan (or $25 in fees for every $100 you borrow). For example, if you borrow $1,000 for 30 days at 25 percent, youd owe $1,250 at the end of the month, or $250 in costs. A 300 percent APR is not uncommon for a car-title loan.

You often have 30 days to repay. If not, the lender takes the vehicle. That happens less than youd think, according to researchers at Vanderbilt University.

But the bigger danger is that youll underestimate the real costs. [R]esearch shows that most title loan customers are overly optimistic that they will pay back their loans on time, which means the loan ends up costing them much more than they believe it will when they first receive it, the researchers say. offers more information on how car-title loans work.

3. Buy Here Pay Here Car Dealerships

Buy here pay here is used to describe car dealers that charge high-interest loans to borrowers who cant qualify for regular car loans. Bad credit? You can still get a car, an ad might say.

Many of the lots require customers to return once or twice a month to make loan payments in cash — hence the term Buy Here Pay Here, writes the Los Angeles Times.

Also, subprime dealers often outfit vehicles with starter-interrupt devices that use a GPS locator to track the car and shut off the engine if the borrower is behind on payments. The devices are supposed to disable only stopped cars, but The New York Times quotes a woman who says her car was shut down as she drove on the freeway. The Times say:

Some borrowers say their cars were disabled when they were only a few days behind on their payments, leaving them stranded in dangerous neighborhoods. Others said their cars were shut down while idling at stoplights. Some described how they could not take their children to school or to doctors appointments.

4. Credit card cash advances

Turning to your credit card for cash will cost you. Your credit card company may send you checks in the mail or let you use the card to make a bank withdrawal or to get cash at an ATM. The fees start immediately. Youll pay:

  • A one-time charge of 3 percent to 5 percent just for using the card to borrow money.
  • Interest rates run around 25 percent on major bank cards, says
  • Interest accrues immediately, unlike the 30-day grace period with credit-card purchases.

Use a card cash loan in an emergency only and repay it immediately.

5. Bank loan on your direct deposit salary

Dont be fooled if your bank offers to make a loan based on your salary direct-deposit. Its just another form of payday lending, says, and you already know what a black hole a payday loan can be. APRs on direct-deposit loans (also called direct-deposit advances) can run 300 percent or more.

6. Pawn shops

Pawn shops will loan you money in exchange for receiving certain valuables as collateral. The amount you can borrow is based on the value of your collateral. On average, customers receive only a portion of the items retail value, says the National Pawnbrokers Association. If you dont repay the loan, the shop keeps your goods.

Pawning is an expensive way to borrow money for two reasons: high interest rates and high fees.

Depending on what the state allows, pawn shop interest rates can be as high as 25 percent, says Fox Business. Even if the interest rate sounds low, be sure you know all of the fees involved. For example you may be asked to pay a storage fee, a ticket fee and an additional fee if you lose your receipt.

Ask yourself if you might just be willing instead to part with your treasures permanently. If so, youll make more money on eBay.

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Police seeking National Cash Advance robber

Sunday, July 26th, 2015

If you know the man who robbed the National Cash Advance store, 5678 Springboro Pike, on Thursday afternoon, police are asking you to contact them.

The suspect, who wore a baseball cap, sunglasses and a white long-sleeve shirt, presented a teller a note demanding cash about 4:23 pm, Sgt. Jon Spencer said in a statement released Thursday night.

The robber escaped on foot.

If you have information about the robber or his whereabouts, you are asked to call Moraine police at 535-1166.

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