Easy Payment Options For Your Payday Loan

Easy Payment Options For Your Payday Loan
John has held down the same job ever since he was a high
school graduate. As a matter of fact, he has been in the
same position for almost 10 years. John makes a decent
living and lives a comfortable life but he did make some
bad decisions financially that left him with bad marks on
his credit report. John's brother just give them a call
and wants him to be the best man at his wedding and
although John is excited about it, he realizes he's going
to have a difficult time paying for the airfare. Since he
doesn't have a credit card and he doesn't have enough cash
on hand to pay for the plane ticket, he finds himself in a
situation that can be both embarrassing and also
devastating for his brother on his wedding day. Although
he considers asking a bank for the money, he realizes that
there's no way he will get the loan with his credit scores.

Unfortunately, far too many people find themselves in a
similar situation. Many of us live from paycheck to
paycheck and in the United States, that is becoming more of
a norm. Add to that the fact that we tend to be living
with an economy that is in a free fall and it just seems to
get worse and worse. Fortunately, we can do something for
these types of emergencies even if we don't have the right
scores on our credit report. As long as you have the
ability to repay a loan, you have access to quick cash in
many cases, even ones that are similar to the above
example. You can get this money through a payday cash
advance and almost have the money immediately in your hand
for these emergencies.

Where can you acquire a payday advance loan?

In order to get a payday loan, you are going to have to
meet certain requirements to qualify with the loan company.
Fortunately, these requirements are not too difficult to
meet.

* You must meet the minimum age requirement, typically 18
years in order for you to legally enter into a contract.

* You must also have a checking account that you have kept
clean for several months with no bounced checks.

* There is typically a minimum requirement as far as what
you earn. As long as you have had your job for several
months and earn at least $1000 a month, you can apply for
one of these loans.

Keep in mind, each company will have their own
requirements. These three requirements tend to be ones
that you will find, regardless of which company you choose.

It typically only takes a few minutes for you to go through
the loan process and to find out if you actually are able
to get the loan. Once that takes place, you usually have
the cash in your hands within 24 hours. The fact that you
can get this cash quickly along with the easy application
process makes this type of a loan one of the fastest that
is available in the industry.

Repayment terms for your payday loan

One thing that you should keep in mind is that you are
going to have to repay the loan sooner or later. As a
matter of fact, most of these loan companies have very
short terms as far as the payback requirements are
concerned. The terms of the loan will typically range
anywhere from two weeks to 18 days. Another thing that you
need to keep in mind is the fact that these lenders are
going to charge you a lot of money in order to give you a
loan. Most of these companies will charge $25 or more for
every $100 that they lend to you which calculates out to be
an astronomical annual percentage rate. Take a look at
these numbers in advance as each of these companies is
required to provide you with a copy of any fees associated
with your loan through the truth in lending act.

At the end of the loan contract, or around two weeks later,
you will be expected to pay back the entire amount of the
loan and any fees that were associated with it. These
companies will typically also give you the option of
rolling over the loan on to a payment plan. In an extreme
emergency, this may help you to overcome a problem with
being unable to pay back the loan but you should avoid it
if at all possible. This fees that are associated with
paying a cash advance loan back over time can be quite
astronomical.

Although these cash advance loans can really save you in a
bad situation, you need to make sure that you can meet the
requirements for repayment. If you're in a bad situation
now, you may only make it temporarily better and you could
end up in a worse situation than where you started.

----------------------------------------------------
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http://www.HotFastCash.com for comprehensive reviews of the
leading payday loan lenders as well as all of the
information you'll need to have a successful borrowing
experience.

How to run a FUNDRAISING CAMPAIGN Part 7

How to run a FUNDRAISING CAMPAIGN Part 7
How to Create a Press Release for Your Fundraiser

A press release is an important component of your
fundraising event. Your media kit will alert the media that
something fun that is going to happen in the near future-
an event that they will hopefully find newsworthy enough to
report on. If you are fundraising for a known cause, you
may be able to access free advertising brochures and media
kits from them. If not, it is easy to create your own with
today's modern technology.

Your press release is what you send to the newspaper after
the event to describe what happened, how much was raised
and who the sponsors were. It should be as professional as
possible. If you can access a free downloadable press
release, personalize it with the relevant details and print
it out on the letterhead of your own organization.

Up the top of your press release, print in large uppercase
letters "FOR IMMEDIATE RELEASE" followed by your name and
contact number. Write about all the details in a
conversational manner, just as you would read something
written in the newspaper. Try and include any funny
incidents that happened, because many newspapers like to
serve up a dash of humor to their readers. And if they
don't like it, the editor will undoubtedly delete it.

Send it off to the paper and after a few days phone to ask
if they received it, if they are going run it and when. Be
sure to get a few copies and clip out the news of your
fundraiser. Display it in an appropriate place for all to
see and send some clippings to your sponsors, especially if
their names are mentioned.

If you've asked the media to be present at your event, it
may be that they have written their own article about the
event. This is fine, but make sure they have the relevant
material such as sponsors and the amount made to go in it.
See to it that they get to interview your sponsors or VIPs
and make sure there are plenty of opportunities for them to
photograph important aspects of your fundraising event.

If they are not present, make sure you get some good
snapshots, or designate someone else to be the official
photographer, then you'll be able to include these in the
press release. Find out before time, what sort of
photographs the newspaper prefers. Some take high
resolution JPGs while others prefer 35mm.

How to Enlist Help with Your Fundraiser from Current
Supporters

Your current supporters are the mainstay of your
organization. You've gone to a great deal of time and
trouble to get them on side and they have supported you
well over the years. How can they be asked to give even
more? While they may be unwilling or unable to give more
money, they may be more than willing to give something else
- their knowledge and their endorsement.

They will have many contacts in their business world of
others like themselves who may be willing to give to your
cause in a similar manner. To find and contact these
companies and organizations would be time-consuming on your
part, but the help of your supporters will make it much
easier. They say it's not what you know, but who you know
that gives success, so if you can drop a name that your
know and that the head of the new company knows, then they
will take time out of their busy schedule to listen to you.

To cold-call on someone you don't know in the hopes of a
large donation is not something everyone fancies, neither
is it likely to be successful. In fact you may not even get
to see someone without the necessary referral. But if you
have a letter of referral from a friend of theirs, you are
much better off. And if you can confidently offer it to
them knowing that it contains a glowing testimonial to your
cause's efficiency and professionalism then you are almost
assured of a good donation.

It may be that the new people will not only offer a
one-time gift, but they may be happy to make annual
donations, particularly if they know their friend is doing
the same. Then, when you get to know them really well, you
can expand the ripples in the pond of referrals and ask
them for other names, along with references or a letter of
commendation.

It is most necessary to interact with these people in a way
that will make you and your cause a known and familiar
face. While you must be professional, you must also be
friendly and have a positive attitude. In fact, treat them
the same as you treated your current supporter when they
were new to you. Never assume they know all about you
through their friend or business associate. They must be
furnished with all the facts and data of your fundraising
organization, so they can see you know what you are doing.

How to Generate Gifts or Donations for Your Fundraiser from
Sponsors

To generate donations or gifts from sponsors, you will
firstly need to make them aware that you exist - or that
your cause exists. This won't be hard if you are
fundraising for a national cause that everyone knows about.
They may even have advertising hints or kits for you to use.

Otherwise, start off by sending an email to the person or
company outlining your goals and your need for support.
Make it sound like they will be investing in a worthy cause
that could benefit them or someone they know, in the future
- as indeed, many good causes do. For instance, there is
hardly a family that has not been touched somewhere by
cancer. Most people have children who go to schools so if
you are fundraising for education or schools, it's easy to
make your appeal relevant.

Follow up your preliminary email with a snail mail letter
and in it, refer to your email. Send even more information
about your goals and if possible include pictures. If yours
is a charitable organization, mention that fact. Many
companies like to know they can write off their donations
on their tax. Make your fundraising efforts sound as
professional. Use properly designed brochures or leaflets.

After a week or so, follow up with a phone call - keep it
brief, as most people are very busy, and they'll appreciate
it if you don't waste too much time. You could either ask
for a donation or ask for a brief interview to discuss it.
Make sure they know that it will benefit them in some way.

If your event is somewhere with facilities for displays,
you could have special sponsorship cards designed for the
manager or person to sign and then have them displayed.
This both advertises the company and gives it a good
reputation for sponsoring the event. Most companies like
this sort of publicity.

You could provide clear plastic frames to hold the name and
company logo of your sponsor. This idea is suited more to
an indoor function than something like a walkathon. For a
walkathon you could have armbands, participants' numbers or
even banners printed with the company name. The latter
could hang from certain points along the route. The tape
across the finish line could have their name on it also.
Thee are many ways in which to make your sponsors feel
special and a part of the fun.

More to Come in Part 7...

----------------------------------------------------
If you'd like to get this article, plus all previous and
future articles on How to Run a Fundraising Campaign on an
Interactive CD-Rom, Please visit:
http://bigimpactaudio.com/fundraising

Bargains in Probate Real Estate Investment

Bargains in Probate Real Estate Investment
In this article, I want to tackle the legal subject of
probate. This may sound like an odd topic for real estate
investors, but, in fact, you can often find good
investments when someone passes away.

It's a fact of human nature that inheritors of probate
estate will often want to sell that property quickly to get
the money and aren't always concerned about getting full
value from the home. Or, they may live out-of-state and
simply not realize the full value of the property. When
these situations occur, the opportunities for bargains
arise!

What is Probate? The term "probate" comes from the Latin
word "probatum" meaning "prove." In other words, the
probate is a legal process by which it's proved that a will
is (or isn't) authentic.

Specific procedures vary by state, but probate generally
includes the following steps: * When a person dies, the
will is filed with the local probate court (sometimes
called a "surrogate" or "chancery" court). An inventory is
then taken of the property. The property is appraised for
its value. Assuming the will is determined valid in court,
any legal debts (including death taxes) must be paid. After
debts and fees are paid, the property is distributed as
dictated by the will.

You may wonder what happens if the will isn't valid or no
will was left. In that case, the estate still must go
through a intestacy"("without a will") proceeding. This
means the property is distributed to the closest relatives
as dictated by state law.

Since you may be involved personally in probate proceedings
(as distinct from an investor's point of view), it pays to
know the advantages and disadvantages of the probate system.

Advantages of the Probate System - Probate makes sure that
only your beneficiaries receive your property. In other
words, it prevents fraud. Creditors have to prove their
claims against the estate. The probate process can resolve
any disagreements involving your estate and disposition of
your assets.

Another advantage is that the probate process limits the
time creditors have to make claims against the estate.
There's a "statute of limitations." So, if creditors don't
make their claims within the specified time period, those
claims are no longer enforceable.

Disadvantages of the Probate System - In the opinion of
many critics, it costs way too much for the services
rendered. They claim that probate provides no real
benefits, except to provide lawyers with excessive fees.

An AARP study concluded that the probate process can
generate legal fees of 12%-20% of the estate for the lawyer
alone. It also concluded that probate can reduce the estate
passing to one's heirs by 5% or more. Source-
http://www.aarp.org

In a few states, the fees are based on a percentage of the
estate. Fees may be based on "gross" probate estate.
Additional costs may include court costs, appraiser's fees,
etc. Also, basic fees may be set by statute. In addition,
if "extraordinary" services are performed, the
attorney/executor can ask for additional fees.

A second criticism in terms of the fees charged is that
probate is primarily a clerical and administrative skill.
Because of this fact, critics say there's no necessity for
court proceedings or the research, legal and adversarial
skills of a lawyer. They make the claim that the process
normally is handled by the lawyer's secretary anyway or by
a probate form preparation company. The result is that the
beneficiaries end up paying far too much for the services
rendered.

Critics also charge that probate proceedings consume too
much time. On average, a typical probate proceeding can
take between one and two years. During that time, the
beneficiaries generally get nothing or, perhaps, a "family
allowance" dictated by a judge.

Since probate can be expensive, I'll give you a list of
legal avoidance techniques you can use for your personal
situations. Because these techniques are not the main focus
of this article, I urge you to investigate them on your
own. Exemption of certain small amounts of property left
by will from probate (depends on state) Living trusts
Transfer on death registration for stocks and bonds Gifts
made while you're alive. Joint tenancy or tenancy by the
entirety Life insurance Pay-on-death financial accounts
Retirement accounts

How To Find Probate Estate Properties - Such properties can
be hard to find, but there are several sources you can
contact.

One source is real estate agents. Contact them to let them
know you're interested in such properties, but be sure to
specify the type of properties you're seeking and how much
you want to spend.

A second source is newspapers. Look at the obituary notices
and then check with local property records to determine if
the deceased owned local real estate.

Another source is the estate executor. An executor is the
person in charge of selling the estate property so he or
she is the person you'll need to go through in order to
make a buy.

A final source is public records. Wills in probate are a
matter of public record, so you can check for them at the
local court house or other local governmental agency.

Benefits of Buying Probate Properties - A primary advantage
of buying probate properties is great prices! Prices of
many of these properties can be as much as 30 to 40% below
market value.

Another benefit is a big inventory. The bad news is that we
all die. The good news (for the living, anyway!) is that
there will always be many probate properties available.

A third advantage is that it's a buyer's market. Many
beneficiaries don't really want an inherited property; they
simply want the cash from the sale of that property, even
if it's a below-market price.

Many beneficiaries also don't want the responsibilities
that come along with the inherited property; estate taxes,
repairs, maintenance, the mortgage payments, and so forth.
So, they're willing to sell at bargain prices.

The Disadvantage of Buying Probate Properties - The
identification and buying of probate properties will
require patience on your part. Remember, it can take
anywhere from six months to two years (or more!) to
complete the probate process).

As I said earlier, know the type of probate property you're
willing to buy and the amount of money you're willing to
spend to get it. If you work with a real estate agent,
communicate those guidelines to him or her so they don't
waste time on properties you're not interested in.

Key Point: Do your research, work closely with realtors,
and have patience!

----------------------------------------------------
Jack Sternberg is a nationally recognized expert on real
estate investment who's been in the business for more than
30 years. Sternberg's deals have totaled over $750 million
and he's been to the closing table more than 1,500 times.
For more, visit http://www.askjacksternberg.com