This may be a reason to start doing more diving near Cuba. Imagine how many more gold coins or treasures are out there that have not been found.
U.S. divers uncovered $4.5 million worth of treasure from the days of Spanish exploration back in July. A crew searching off the Florida coast scooped up 350 gold coins lost in a 1715 shipwreck. Florida Today claims nine of the pieces known as “Royals” were crafted for Spain’s King Philip V and are valued at $300,000 each.
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There are several reasons why someone might choose to get a payday loan instead of using a credit card or borrowing from a friend:
However, it’s important to note that payday loans can be very expensive, and they should generally be used only as a last resort. They often have very high interest rates, and if you are unable to pay back the loan on time, you may end up paying even more in fees and interest.
If you really really need cash the viral postings all over Facebook these days seem to say you can get $35,000 by giving your testicles to science. Is this true? Would you be willing to do anything to pay back money you owe?
What caught us on to this story was the viral story from a website called Now 8 News who also aired a story “Wendy’s Employee Arrested For Putting V** Discharge On Woman’s Burger”. So we had to do some research on this.
The News 8 site reported that you could Donate a Testicle and the payout for this is $35,000. That if you “Need some EXTRA CASH? If you want to help the science community and line your pockets with a little bit of money there are some unconventional ways to do this by selling your body to science.”
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[Read more…]Today, we take a look at some of the misconceptions brought on by politicians when it comes to payday lending. One example is a Colorado group campaigning to limit charges for what they call payday loans claims that current law allows payday lenders to charge more than 200% interest for small loans targeted at customers who are often in dire straits. The claim is in support of Proposition 111, a Colorado ballot measure to cap annual finance charges at 36 percent for small-dollar loans.
Is the claim by the group Stop Predatory Payday Loans accurate? Does current law allow payday lenders to charge more than 200 percent interest for small loans?
No, the claim is inaccurate and deceptive. First, the group’s reference to 200 percent interest conflates interest rates with finance charges. The interest rate is only one of the charges that may be levied on a loan, and Colorado law currently allows four distinct types: 1) a flat-fee origination charge; 2) an interest rate not to exceed 45 percent annually applied to the amount financed; 3) a monthly maintenance fee based on the amount borrowed; and 4) a one-time only charge of $25 for non-sufficient funds (i.e., when a borrower’s check to the lender does not clear).
Second, the 200 percent interest cited by the group relates to loans that remain unpaid after 12 months. However, just 0.2 percent of the small-dollar loans in Colorado in 2015 were written for one year; nearly 83 percent were written for six or seven months [Read more…]
We are always on the lookout for alternatives to Payday Loans. Now if it were the wild west and you owed someone some money I think a few body parts may be taken until you paid it back. Well pretty much just taken and more removed if you did not pay up. The alternatives we found today were profiting from body parts but you really have to weight the pros and cons to see if it’s worth it.
Let’s start out with a few of the simple things such as Plasma or Hair. You could donate Plasma or get paid at blood banks anywhere From $30 To $50. If you’ve ever seen your blood separate after it’s been collected by a nurse or doctor, plasma is pretty much all the the clear stuff that stays at the bottom, according to DonatingPlasma.org. Plasma is used in all kinds of treatments, including genetic diseases like hemophilia and autoimmune disorders. Check blood banks in your area at Bloodbanker.com.
If you wonder where Donald Trump got his hair maybe this is how. You can get Up To $1,000 or donate your hair. That’s a pretty sweet price point for something that can come off your head so easily and if you have lots of it. Buyers are likely looking to make wigs and they’re not interested in your split ends and certainly do not want the hair chemically treated. One woman made as much as $1,000 on her locks in just a week by posting an ad on TheHairTrader.org. [Read more…]
Earning Money During the Rainy Days
These days it seems common practice to hear of layoffs. While it may help a business’ bottom line to cutback, these cutbacks have serious effect on the employee’s bottom line. The question becomes how to make ends meet after being laid off?
Rainy Day Savings
First thing most people do is cash in on any rainy day savings they have set aside. This may be 401k’s, 403b’s, stocks, bonds, retirements and so on. Unfortunately, this doesn’t always create a comfy lifestyle that can last a long time.
Uber and Lyft Drivers
One of the hottest trending on-demand jobs would be to become a driver for Uber or Lyft. The trend seems to be growing by leaps and bounds in new cities each and every day. Once you fill out your application, you download the app on your phone and wait for passengers to use their app looking for rides. According to several web sources it’s easy to make $35 an hour. SIGN UP HERE! To Become A New Lyft Driver and Qualify for A Bonus up to $1,000. [Read more…]
Government Supported Socioeconomic Inequality? The media’s always hyping about how horrible Payday Loans are buy what about the actual payment plans and the endless payments of fees from municipal violations.
It is no secret that in America today, one of the biggest problems facing the population is socioeconomic inequality, or “class warfare”, as some have dubbed it. Despite the existence of many programs designed to help those who are struggling, there are often incredible road blocks when it comes to those who need assistance the most receiving a helping hand. The idea that the system is set up so that the poor stay poor and the rich get richer, while there is a rapidly dwindling overworked, underpaid, and undervalued middle class is frightening. It is, as John Oliver remarks, akin to the struggle that preceded the French Revolution. Although we are hardly on the brink of begging the government for bread at the steps of the Capitol, there is certainly no doubt that frightening similarities define the current American culture.
One of the ways that the poor are guaranteed to stay poor is predatory lending, which is sadly not seen as predatory at all. It is a different type of predatory lending than the banks which target poor families for home loans they will inevitably be unable to repay, an idea that caused massive catastrophe. Instead, it comes in the form of guaranteed approval credit cards, title pawn shops, and rental services that have those unable to afford household items paying 5 times or more the actual value. This type of lending can be seen as a lifesaver at the time, but is predatory because it preys on the desperation of the poor in the same way a neighborhood loan shark does. In many cases, the terms aren’t much better, with interest rates from 50-200 percent. The business model is based upon making sure the poor stay poor enough to struggle, to not pay off the debt in time, to accrue deeper debt. It is unethical, yes, but certainly not illegal. In fact, it is just called “business”.
More and more state governments are getting involved in the business of doing business, this time targeting those who commit minor legal infractions. This has of course been going on for years; you’ve probably noticed a rise in the amount of tickets being written around any major holiday. Minor traffic infractions have long been a source of revenue for governments. Now, the ante has been raised with the addition of municipal fines, on top of already existing fined for minor criminal infractions.
It is not to say that minor criminal infractions should not be punished, but the system is set up so that paying a fine is essentially a “get out of jail free” card. Even when it comes to more serious criminal matters, conditions such as fines, ankle monitoring, probation, and restitution are used as alternatives to jail. Of course, these conditions are all at the expense of the defendant, often defendants without means appearing with a court-appointed attorney. If the defendant can’t afford to pay or can’t comply with court-ordered conditions due to lack of means, he or she is likely to be serving a jail sentence in lieu of the money. Justice should not allow money to buy freedom, but in a roundabout way, it does just that.
Of course, this does not just apply to criminals, but anyone who is ever caught doing something against the law. For instance, if you’re caught committing a driving-related infraction in the state of Virginia, you’ll receive a ticket and fine. However, you will then be assessed a municipal “abusive driving fee”, which can be upwards of $1,000. The average middle-class person may just have to charge that on a credit card, and the cycle continues. Socioeconomic inequality may not always be obvious, but it is pervasive, and does not simply affect those on the fringe of society anymore.
In some cases you are better off with a Payday Loan than what the courts offer you with their services as some states charge $100 just to enter into a payment plan and most of the “payment” of the plan is not paying down the actual ticket or fine.