Payday Advance

What do you call a deer with no eyes? No idea!

admin — Tue, 23 Dec 2008 08:52:25 +0000

When you sit behind the wheel of your off-roader, there’s so much metal around you. It’s easy to think nothing can ever go wrong. Who needs auto insurance? He smiled and talked for a while about his family’s love for nature. We just sat there, stunned with airbags pinning us to our seats, a dead deer hanging off the hood and wreckage everywhere.” He seemed calm talking about it now. Back then, it was different. It was about an hour before another vehicle showed up. They were local and knew a farm with a landline. Folks were really kind that day. Perhaps it was the kids who were all shook up. They got everyone on our side.” The police came fairly quickly. A wreck on those unpaved roads is a real hazard. By then, Jack had contacted the auto insurance company so everything was on track for the rescue. He had a rental car policy but no local garage had cars to rent. So the family piled into a truck owned by a neighbor who took them down to Westport where they got a new set of wheels. “It took a few days for the wreck to be shipped down to the body shop in Frisco. Not a surprise given where we’d abandoned it. The insurance agent was great help and got the claims department going. I guess we got to hear all the deer jokes but it was all sorted out in the end. Next time though, we’ll stay on the 101.”

What’s red and hot and throbs with promise?

admin — Sat, 20 Dec 2008 09:09:10 +0000

The boring answer to this age-old riddle is, of course, a red sports car with one of those mufflers that rattles windows at one hundred yards when you rev the engine. Now we’ve all heard those urban myths, the stories that people who drive red cars are more likely to get speeding tickets. Well, it’s a good story but it does beg the question, “What do auto insurance agents think about people who buy these go-faster cars?” The answer you’ll get from every traffic cop with a radar gun in his or her hand, and every underwriter ready to set your rates, is that color is irrelevant. And, you’ll be pleased to know, there’s no evidence to prove either of them wrong. Accident statistics and court records don’t show any great risk of fender bending or offenses from those driving red vehicles of any shape or size. Yet the myths persist. Some colors like blue are “cool” and “safe”, others like red are extravert, dynamic and sexy. Supposedly, people are attracted to buy the colors closest to their psychological type. Whether it’s true or not, the car insurance companies don’t factor color into their calculations. So what’s the basis of the car insurance company’s calculations? Well, all companies employ these math geeks called actuaries who find every last detail of accidents endlessly fascinating. These guys get all fired up by the year of manufacture, the body type and size of engine. They profile the drivers involved by age and gender.

Car doctors? Get a second opinion!

admin — Sat, 13 Dec 2008 14:00:37 +0000

You pass by because it’s not your problem. Auto insurance companies pick up the pieces. At least, that’s what all the ads say. Out of interest, I tracked down one of the drivers to see how it really goes down. Sarah from Wisconsin was making her usual commute when she was rear-ended. Whenever you set up a system, it’s only as strong as the weakest link. Sometimes, the cause of the problem is inside the organization. Other times, the problem is a conflict of interest in the middleman. Whatever the cause, you can get trampled on unless you stand up for yourself. Most days, when you’re driving on the freeway, you get to see the wreckage from traffic accidents. It flipped her over but she was unhurt. She did everything by the book. Waited with her car until the police appeared. Gave her statement and was later cleared of all blame in the report. Everyone who saw her car thought it was a total loss. Even the guys who came on the tow truck shook their heads and congratulated her on her escape without injury. “They dropped me off at an approved car rental agency. One telephone call to my auto insurance company and I was driving again.” She shook her head with a wry smile. “I never thought there were going to be problems. Roadside assistance had worked perfectly. I was in a rental car. The wreck had been cleared from the road. I was expecting a check for a replacement vehicle within days.” Except when the word came from the “certified” repair shop, it was ‘repair’. “Everyone thought they were nuts. Repair a car that badly damaged and you’ve got one problem after another and no-one wants to buy it secondhand. But they kept on like a broken record.

Dad is not as bright as I thought!

admin — Tue, 02 Dec 2008 08:03:23 +0000

It’s easy to drift through life assuming everything will turn out right. Life has been good to everyone growing up over the last twenty years. So when your kids went through the admission process for your local college, they probably looked at the question about some kinds of medical insurance and ticked the box that said your family plan continued cover. They never gave it a second thought. Melanie was such a student. “I still can remember asking my Dad and he said, so long as I was in school full-time and under 25, I was OK.”

The company had a special policy for health insurance for college students. Melanie’s knee made a full recovery, but the family’s still feeling the pain of the unexpected debt. The moral of this story? Always check your existing policy. Most of the colleges and universities either have their own medical insurance policies or can point you in the right direction if your children are going to be without cover.

The policies are basic healthcare, but get them through all the common health crises. When it comes to your children’s health, it’s not worth taking risks. If they fall sick and don’t have cover, they may not get treatment early enough. Always read your current policy carefully. Don’t be taken by surprise. Shop around for medical insurance on the internet. There are many economical policies aimed at the student market both for university and doctoral courses that can take some of the worry off your shoulders when they leave the nest and go live on campus.

FAQ

admin — Mon, 07 Jul 2008 09:20:34 +0000

What is a Payday Loan or Cash Advance?
A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. With Payday Advisor you can apply for a payday loan online and have your advance electronically deposited to your checking or savings account.

What can a Payday Loan be used for?
The money can be used for any purpose - to pay bills, buy something, have a great weekend, it’s up to you! You won’t be asked!

How much can I receive?
Your first Payday Advisor loan is based upon the information you provide in your membership application. You can borrow an amount up to $1500. After successful repayment of your payday loan, we may raise your loan amount on any future Payday Advisor loans.

How are fees established?
Our fees are competitive and in compliance with all applicable state and federal laws.
Depending on the lender the fee can range from $25 to $30 per $100 borrowed. So if you borrow $300 the fee will be between $75.00 to $90.00.

What about qualifying?
Qualifying for a payday advance is easier than qualifying for traditional credit. Payday Advisor does not perform credit checks. You only need to meet the following requirements:
• Currently have a job (or receive regular income)
• Make at least $1000 per month
• Are 18 years of age or older and a U.S. citizen
• Have checking account or savings account with direct deposit.

What’s the procedure to apply for payday loans online?
The procedure is extremely simple, all you need to do is just fill up the application form at our website and submit it online. The approval takes place immediately after you submit the application on any of the business days.

What do I have to fill in application form?
You have to provide your name and address, employment information, bank account details, and picture identification in the payday loan application form.

Is my application and financial information secure?
We respect our customer’s privacy needs in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive information transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Is there an application fee?
Payday Advisor never charges applicants a fee to qualify for a payday loan.

Does the online form obligate me to taking out a loan?
No. When you fill out our online application, you are only stating that you wish to have our agents approve you and contact you to discuss your options. You may still ask us any questions, and withdraw your request at this time. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

What if I have bad credit?
Bad credit will not prevent you from receiving a payday loan at Payday Advisor. Our friendly managers will work with you, even if you have already been turned down by other lenders.

I’m a tenant - is this a problem?
No problem - it makes no difference to the lenders whether you are a tenant or a homeowner.

Do I need to fax my details?
You don’t need to have a fax machine to be able to apply for a loan. Lending company gets all necessary information instantly.

Can I have more than one payday loan at the same time?
No. All other payday loans have to be repaid before another can be granted.

Do you contact current or former employers?
No, the lenders operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Do I need direct deposit?
At this time we can only process your loan if your paycheck is direct deposited; it is the most secure way to offer loans as quickly as we do.

When I will receive my payday loan?
Your application will be processed within 30 minutes, once it has been received. When approved, you will receive your loan on the next business day. Once you receive the loan, we will help you to schedule you repayment dates so that you won’t have to worry about bounced checks or missed deadlines.

How do I know that my loan has been approved?
You will receive an email notification once your loan has been approved. Payday Advisor reserves the right to make adjustments to your loan approval until the time you receive the funds in your bank account based on new information regarding your loan application.

When will my loan be due?
Your due date will normally be due on your next payday that is between 8 and 25 days away. Each state has different rules and regulations.

What if I want to pay early
Contact us if you want to pay your loan off early. If you pay off early, you may be entitled to a refund of part of your loan fee.

What if I can’t repay my loan on the due data?
If you can’t repay the full amount of your loan on the due date, you may be able to request a loan extension.

We have different payment options available for our customers:
1. Paying the loan in full on the maturity date listed on your loan agreement.
2. Paying the finance fee and a portion of the principle on or before the maturity date.
3. Paying only the finance fee on the maturity date.

How often can I get a payday loan?
We are here to help anytime you need extra cash between paychecks. We encourage all our clients to keep in mind that a payday loan is only a short-term solution to an urgent cash need, and to use these loans responsibly. Payday loans should not be used repeatedly to deal with continuing budgeting issues.