Horror Movie List – Horror Fanatics http://horror-fanatics.com/ Fri, 10 Dec 2021 21:02:23 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://horror-fanatics.com/wp-content/uploads/2021/07/horror-fanatics-icon-150x150.jpg Horror Movie List – Horror Fanatics http://horror-fanatics.com/ 32 32 New research from Aite-Novarica group: pay-on-demand eliminates payday loans and overdraft fees for millions of American workers https://horror-fanatics.com/new-research-from-aite-novarica-group-pay-on-demand-eliminates-payday-loans-and-overdraft-fees-for-millions-of-american-workers/ https://horror-fanatics.com/new-research-from-aite-novarica-group-pay-on-demand-eliminates-payday-loans-and-overdraft-fees-for-millions-of-american-workers/#respond Wed, 11 Aug 2021 17:05:04 +0000 https://horror-fanatics.com/new-research-from-aite-novarica-group-pay-on-demand-eliminates-payday-loans-and-overdraft-fees-for-millions-of-american-workers/ NEW YORK – August 11, 2021 – Millions of working Americans are caught in the vicious cycle of debt as a result of resorting to payday loans and paying expensive overdraft fees to pay their bills on time and make ends meet. However, according to new research from the Aite-Novarica Group, having access to your […]]]>

NEW YORK –

August 11, 2021 Millions of working Americans are caught in the vicious cycle of debt as a result of resorting to payday loans and paying expensive overdraft fees to pay their bills on time and make ends meet. However, according to new research from the Aite-Novarica Group, having access to your salary as you earn it can eliminate those crippling financial options for surviving paycheck to paycheck for an overwhelming majority of people. who are blocked using these predatory financial services. the research* confirms that DailyPay and its proprietary pay-on-demand approach (sometimes referred to as access to earned pay), giving employees 100% immediate access to their funds easily and reliably, is a remarkably effective solution to expensive financial alternatives such as loans. payday, overdraft fees, late fees etc. Research also shows that DailyPay can stop relying on regular borrowing from friends to make ends meet, reduce financial stress, and improve overall financial well-being. Aite-Novarica has found that using DailyPay improves workers’ bottom lines for a substantial majority of users. More than eight in 10 respondents (82%) who access their DailyPay BalanceTM on demand said they cared less about money since starting the program, and 75% said they were in. able to better budget and plan with the ability to access their income on demand. And those numbers are generally valid for those who use pay-on-demand more frequently, including those who use higher percentages of their pay before payday, according to the survey results. “Survey respondents were using expensive and arguably inferior alternatives before accessing DailyPay,” said Leslie Parrish, senior analyst at Aite-Norvarica. “These consumers feel much more in control of their finances after using DailyPay.” The main findings of the research report are as follows:

  • The vast majority of payday loan and past overdraft users have been able to move away from these suboptimal behaviors and most attribute this change to DailyPay.
    • The Aite-Novarica Group cautiously estimates that frequent payday loan users save between $ 624 and $ 930 per year using DailyPay.
    • 95% of those who previously relied on payday loans in any way stopped using payday loans (81%) or reduced their use (15%) after using DailyPay. Almost nine in 10 respondents (88%) said they had stopped or reduced the use of these loans thanks to DailyPay.
    • The Aite-Novarica Group cautiously estimates that most overdrafts save $ 660 per year using DailyPay.
    • 97% of those who said they overdrafted their bank account before using DailyPay now rarely or never incur overdraft fees (79%) or report having fewer instances of overdraft fees (18%) after using DailyPay. 75% credited DailyPay for this reduction in overdraft fees.
  • DailyPay users also report being able to better manage their bill and loan payments and reduce requests for help from friends and family.
    • 88% had fewer issues with bills and loan payments after using DailyPay.
    • 94% give credit to DailyPay for this change to make / charge loan payments.
  • DailyPay is achieving positive results across the board for users as the product made them worry less about money (82%), improved their ability to budget and plan (75%), and enabled them to reduce their debt (60%) and those who tend to use DailyPay relatively more frequently report even higher average savings and an even greater previous reliance on inferior, predatory alternatives.

“This data is transformational and supports a very important conclusion – DailyPay is helping American workers stay out of debt,” said Mattew Kopko, vice president of public policy, DailyPay. “Thanks to DailyPay, 4 in 5 payday or overdraft loan users are freed from the debt cycle, with most of the remaining 20% ​​enjoying substantial financial benefits. People are clearly saying that they need this simple, reliable service to make ends meet. For a more detailed overview of the study, please see http://www.dailypay.com/aite-report.

* Industry leader DailyPay has partnered with Aite-Novarica Group, a well-respected financial research and advisory firm that focuses on financial matters, to independently conduct research on its base of paying customers on demand.

Aite Novarica’s online survey of 1,114 DailyPay customers was conducted in May 2021. 95% confidence interval with 3 point margin of error

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About DailyPay: DailyPay, powered by its cutting edge technology platform, is on a mission to create a new financial system. In partnership with America’s top employers, including Dollar Tree, Berkshire Hathaway and Adecco, DailyPay is the benchmark for pay-on-demand. With its massive data network, proprietary funding model, and connections to over 6,000 banking system endpoints, DailyPay ensures that money is always in the right place at the right time for employers, merchants. and financial institutions. DailyPay is developing the technology and mindset to reinvent the way money flows, from the start of work. DailyPay is headquartered in New York and its operations are based in Minneapolis. For more information, visit www.dailypay.com/press. About Aite-Novarica Group: Aite-Novarica Group is a consulting firm providing essential information on technology, regulations, strategy and operations to hundreds of banks, insurers, payment providers and investment firms, as well as technology and service providers. who support them. Comprised of former senior technology, strategy and operations executives as well as experienced researchers and consultants, our experts provide practical advice to our clients, leveraging the in-depth knowledge developed through our extensive network of clients and others. industry contacts. Visit us on the web and connect with us on Twitter and LinkedIn.


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Loan options for emergency medical expenses https://horror-fanatics.com/loan-options-for-emergency-medical-expenses/ https://horror-fanatics.com/loan-options-for-emergency-medical-expenses/#respond Wed, 11 Aug 2021 07:58:24 +0000 https://horror-fanatics.com/emergency-loan-options-for-your-medical-needs/ If you experience a medical emergency it is essential to be ready with enough funds to handle the emergency. There are occasions that, even if you’ve been prepared, there’s no guarantee. With medical expenses that are high that even health insurance won’t be sufficient to cover the expenses. This means that people are forced to travel between […]]]>

If you experience a medical emergency it is essential to be ready with enough funds to handle the emergency. There are occasions that, even if you’ve been prepared, there’s no guarantee.

With medical expenses that are high that even health insurance won’t be sufficient to cover the expenses. This means that people are forced to travel between locations to protect their financial security. In these instances, you can avail of emergency loans at GreenDAYonline.com to help get through an unexpected expense.

On emergency loans

Emergency loans are money to help individuals overcome an emergency or emergency situation. They can be beneficial for situations like the case of a medical emergency.

The lender’s requirements and the conditions of the loan request for the emergency loans will be made available to your account within a few days after the approval. This is why we have compiled a list of short-term emergency loans that can help you with medical emergencies.

Loans for payday

These loans, also known as payday loans, are kind of loans with a short term that allows you to take out a tiny amount of money in a short time typically just a couple hundred dollars. These kinds of emergency loans come with very quick repayment times, up to two weeks prior to your next pay date.

The rates of interest on this kind of loan are extremely high since it’s an unsecured loan. The arrangement could not be beneficial for the borrower. Even though they provide the money you require, the terms could lead to the creation of debt.

Personal loans for quick cash

You could be able to receive a same-day unsecured loan deal if you’ve got good credit. Unsecured loans, like personal loans, are typically used to fulfill various needs in the event of an emergency. They are mostly installment loans with a fixed interest rate, which is granted in one lump.

A lot of banks provide quick loans to customers who are financially strapped. Because these loans don’t need a lengthy approval process and can be approved in a matter of minutes. If you are faced with an emergency medical situation and have no financial resources it is advisable to get a loan from any of the institutions.

Furthermore, they might provide lower interest rates than credit cards that are able to be paid back in a set time. A personal loan of a small amount can aid if you need only just a little amount. If you require an enormous amount it is possible to think about alternatives.

Cash advance using credit card

If used correctly when used correctly, credit cards can be vital tools during a medical emergency. Most credit cards come with an option for cash advances that lets you quickly obtain cash from an ATM or at your local bank. The amount you are able to borrow is limited to a portion of your card’s threshold or a limit that is set in the hands of your bank.

If you are in the process of processing a refund This is an excellent option since the credit card company may give you a no-interest credit period of as long as 45 days. You are able to repay the loan upon receiving the refund from the loaner.

With annual rates that can reach 42 percent, revolving credit similar to credit cards is an extremely costly method of borrowing money. To avoid fees for late payments you must ensure that the account is paid in time.

Borrow from your friends or family members

Families and friends are typically those we call when we’re in a crisis. Because they are those who care about our health We can trust them to not charge us high-interest rates and allow us to have enough time to repay them.

It’s a good option to cover unexpected bills. If you have someone in your family or a friend willing to loan you money in times of need contact them to discuss the expected return. But, it is prudent to stay away from emergency cash demands as the situations could easily cause stress to relationships.

To conclude

If you’re looking for a loan for emergencies, the odds are that you’ll need quick cash due to an unplanned expense such as an illness or medical emergency. However, some loans that promise fast and immediate access to cash during an emergency may cost a lot So, look for alternative options that will suit your needs.

Additionally, based upon your score on credit and the amount of money you’ll need be sure to conduct your own research and calculate the cost of an emergency loan prior to committing.

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Emergency loan options https://horror-fanatics.com/emergency-loan-options/ https://horror-fanatics.com/emergency-loan-options/#respond Wed, 11 Aug 2021 07:58:24 +0000 https://horror-fanatics.com/emergency-loan-options-for-your-medical-needs-2/ Image source If a medical emergency arises, you need to be prepared with sufficient finances to deal with the situation. However, there are times when even if you have prepared for the worst, there is no certainty. With medical expenses so expensive, even health insurance is not enough to cover the costs. As such, people […]]]>

Image source

If a medical emergency arises, you need to be prepared with sufficient finances to deal with the situation. However, there are times when even if you have prepared for the worst, there is no certainty.

With medical expenses so expensive, even health insurance is not enough to cover the costs. As such, people are forced to run from place to place to secure their finances. At such times, there are emergency loans to help you out if you have a huge unexpected bill.

On emergency loans

Emergency loans are borrowed funds used to help people get through an emergency or urgent scenario. These loans are advantageous in situations such as a medical emergency.

Depending on the lender and the terms of the loan application, emergency loans can be sent immediately to your bank account within a few days of approval. So here are some quick emergency loans to help you in a medical emergency.

Payday loans

Payday loans are a form of short-term loan that allows you to borrow a small amount of money quickly, and usually it is a few hundred dollars. These forms of emergency loans have exceptionally short repayment terms, as little as two weeks before your next paycheck.

The interest rates on this type of emergency loan are extraordinarily high as it is an unsecured loan. These arrangements may not be of benefit to a borrower. Although they offer the funds you need, the terms can lead to debt.

Quick personal loans

You may be able to get same day unsecured loans offer if you have decent credit. Unsecured loans like personal loans are frequently used for various purposes in times of emergency. These are mainly installment loans with a fixed interest rate granted in one go.

Many banks offer quick loans to their customers because they are in a financial bind. Since these loans do not require a long approval process, they can be approved immediately. Faced with a medical emergency and you lack financial means, it is wise to take out a loan from one of these institutions.

In addition, they may offer lower interest rates than credit cards which can be paid off over a predetermined period. A small personal loan can help if you only need a small amount of money. So, if you need a huge amount, you may want to consider other options.

Cash advance by credit card

When used appropriately, credit cards can be essential tools in a medical emergency. Many credit cards have a cash advance option that allows you to quickly get cash at an ATM or your local bank. The amount of money you can borrow is a fraction of your card threshold or an amount set by the bank.

When undergoing refund processing, this is a fantastic alternative as a credit card company can offer you an interest-free credit window of up to 45 days. You can repay the money after receiving the repayment from the lender.

With annual interest rates of up to 42%, revolving credit like a credit card is one of the most expensive ways to borrow money. To avoid late fees, you need to make sure that the credit card debt is paid on time.

Borrow from friends or relatives

Friends and relatives are often the ones we turn to when we are in distress. And, because they are the ones who care about our well-being, we can trust them not to charge high interest rates and give us enough time to pay them back.

It is a viable solution to deal with unforeseen bills. If you have a family member or friend willing to lend you money in an emergency, speak with them and discuss your expected returns. However, it would be best to be wary of urgent cash requests as these scenarios can easily strain relationships.

To conclude

If you are looking for an emergency loan, chances are you will need the cash quickly due to an unforeseen expense like a medical emergency. However, many loans that promise quick and quick access to funds in an emergency can have high fees, so look for alternatives that are right for you.

Also, depending on your credit score and how much money you need, don’t forget to do your research first and estimate the costs of a particular emergency loan before committing.


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Consider low-interest Payday loans https://horror-fanatics.com/payday-loans-cheapest-interest-rate/ https://horror-fanatics.com/payday-loans-cheapest-interest-rate/#respond Tue, 10 Aug 2021 18:06:47 +0000 https://horror-fanatics.com/a-black-enemy-cinematic-threat/ Nearly half of Americans don’t have any savings and nearly 70% have less that $1,000 saved for emergencies. What are payday loans? What are the most common problems associated with payday loans? These loans are short-term cash loans. These loans are usually based on how much you earn. You will need to repay the money within one […]]]>

Nearly half of Americans don’t have any savings and nearly 70% have less that $1,000 saved for emergencies.

What are payday loans? What are the most common problems associated with payday loans?

These loans are short-term cash loans. These loans are usually based on how much you earn. You will need to repay the money within one or more payday cycles. A fee is also charged. Visit GreenDAYonline.com today for more information about payday loans.

Converting the payday loan fee to APR numbers will result in extremely high interest rates. In other states, rates can reach 600% and higher.

Payday loans come with a fast repayment schedule and a high interest rate. Payday loans have a high interest rate and fast payment terms.

This can lead to people being trapped in a cycle that involves rollovers.

7 Alternatives for Payday Lenders

There are often better options than you realize to pay your immediate bills and increase your cash flow. These loans have terms and interest rates that are lower than those in your bank account.

1. Home Equity Line of Credit

If you are a homeowner and have equity in your home, a home equity line-of credit (or HELOC) is an option.

Some banks may approve you for credit equal to a portion of your equity.

HELOCs have a lower interest rate than other loans, because they are secured with the property’s worth Much lower than payday loans.

2. Apps to Paycheck Advance

You can make advance payments against your paycheck with some apps. These apps allow you to make advances against your paycheck.

3. Personal Loans or Bad Credit

Personal loans are a good option if you require immediate cash. They can typically be borrowed from a few hundred to a few thousand dollars. It is possible to repay the loan over time. This allows you to divide the monthly payments into smaller amounts, which may be more practical within your budget.

Personal loans for those with bad credit can be obtained.

4. Credit Cards

A credit card is a good option for those with good credit. Credit card interest rates are usually lower than that of payday loans. You can also choose how quickly you want to repay the money.

A introductory APR offer might be available to those with good credit.

You might be eligible for sign-on bonus points or cash back if you have a reward card card.

5. Tax Withholding Adjustments

Consider adjusting your tax withholdings if it is just you who needs a little more each paycheck to make ends met. If you’re not declaring all of your dependents on the W-4 form, the IRS might be getting money throughout the entire year that’s yours.

Some people do this intentionally so that they receive more each year. However, borrowing money that you will have to pay interest on is better than getting the money right away if you urgently need it.

6. Payment Plans and Payment Arrangements

If you have only one bill that you are unable to pay right away, you might consider contacting your creditor. This program is common, especially for people who pay on time.

One-time forgiveness may be offered by a lender, utility company, or any other entity you owe money to. You may be able to skip monthly payments and have it added to your terms. Or, they might allow you to split the payment into smaller payments.

7. Cutting expenses and finding a side gig

You can also reduce your expenses or increase your income to address cash flow issues. You may be able to manage both and improve your cash flow faster if you can.

Future Planning

Cash flow problems do not have to become a major financial problem for the rest of you life.

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Is price cap a good thing for high cost loans? https://horror-fanatics.com/is-price-cap-a-good-thing-for-high-cost-loans/ https://horror-fanatics.com/is-price-cap-a-good-thing-for-high-cost-loans/#respond Tue, 10 Aug 2021 10:49:00 +0000 https://horror-fanatics.com/is-price-cap-a-good-thing-for-high-cost-loans/ High cost loans, such as payday loans, logbook loans, and leases with an option to buy, are very taboo topics and often the ones people don’t like to talk about. But with 3 million Britons and 12 million Americans using high-cost loans or “micro-loans” to overcome them each month, they represent an important anti-poverty measure […]]]>

High cost loans, such as payday loans, logbook loans, and leases with an option to buy, are very taboo topics and often the ones people don’t like to talk about.

But with 3 million Britons and 12 million Americans using high-cost loans or “micro-loans” to overcome them each month, they represent an important anti-poverty measure and a vital role in society. The US government is currently the subject of a wide debate over whether or not to cap lending rates.

There is huge controversy over the pricing of loans, especially payday loans, with payday loans in the UK costing around 1000% APR and around 500% to 600% APR in the US. There is a percentage of borrowers who find themselves unable to meet repayments and fall into a debt spiral.

We are often reminded that the APR is used for an annualized product and that is not realistic for a product that only lasts a few weeks. In addition, the loans are unsecured and are often given to people with bad credit. Therefore, the rates charged reflect the potential risks involved.

In the UK, a price cap was introduced on January 1, 2015 by the regulator, the Financial Conduct Authority, setting a cap of just 0.8% per day. Six and a half years later, we are seeing all the effects.

There was a huge exit from the industry quickly, with companies unable to make their new business model work. With more than 200 lenders in 2015, they are now less than 20.

While over 10,000 people could have been employed in the UK payday lending industry in 2015, today that figure is likely well below 1,000.

“The price cap in the UK was definitely good for consumers,” says David Beard, founder of Lending Expert.

“Products like payday loans and unauthorized overdrafts are very expensive and sometimes used by the most vulnerable. Providing more affordable credit and helping them get back on their feet is certainly a good thing. “

“The challenge, however, is that lenders now earn less by lending money, so they have to be very strict with who they lend to, which makes the products less accessible. This meant that clients had to turn to alternative products such as secured loans or secured loans and these are longer term and much more affordable – so consumers should be better off rather than going from hand to mouth.

Meanwhile, in the United States, 18 states have already imposed a 36% price cap, which is very low given that micro-lenders need around 140% APR to maintain a profit.

However, there are very recent conversations within government to increase price caps in other states including Texas, California and Nevada which are the most important areas.

Some lenders are able to get around these price caps by implementing “bank lease” programs, which means you can partner with an established bank to bid above this price cap.

Rick Dent, Founder of Finger Finance in the United States, commented: “Putting price caps in place across the United States could have its first benefits, but could also present many challenges. ”
“The short-term loan market in the United States is huge, and a price cap could put thousands of businesses out of business and thousands of employees out of work. There is also the problem that the loans are getting more restrictive and you have 12 million people who depend on payday loans every year – so you’ll need something to fill the void.

“A price cap would be good for society as a whole, but it should probably be rolled out slowly to allow businesses to change their business model and borrowers to find healthy alternatives.”


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Credit scores affected by quick repair loans https://horror-fanatics.com/credit-scores-affected-by-quick-repair-loans/ https://horror-fanatics.com/credit-scores-affected-by-quick-repair-loans/#respond Tue, 10 Aug 2021 08:33:27 +0000 https://horror-fanatics.com/credit-scores-affected-by-quick-repair-loans/ Quick repair loans such as payday loans can often put people into a cycle of debt that they cannot get out of. Quick repair loans such as payday loans can often put people into a cycle of debt that they cannot get out of. There are many reasons why a person can choose to take […]]]>

Quick repair loans such as payday loans can often put people into a cycle of debt that they cannot get out of.

Quick repair loans such as payday loans can often put people into a cycle of debt that they cannot get out of. There are many reasons why a person can choose to take out a payday loan as an alternative to a regular loan. However, all too often the main reason people turn to payday lenders is desperation because they have been turned down for other types of loans. with lower fees by institutional lenders such as banks.

When considering payday loan options, you should consider the following factors and know what mistakes you should avoid before applying for quick finance.

  • A typical payday loan has higher fees than getting a loan from a streamlined lender (initially 20% or more of the amount borrowed plus an annualized interest rate on top)
  • Payday lenders are not legally required to tell you the annualized interest rate on the loan
  • If you fall into the payday loan debt trap, it will become difficult for you to qualify for a loan from any lender. loan or personal loan.
  • Payday loan default fees are extraordinarily high – often up to twice the amount borrowed

Payday loans tend to have higher fees and interest rates than other types of loans; and consumers can often find themselves forced to take out another loan to cover these costs. This type of debt consolidation can snowball and people could end up with much more debt than they initially thought.

They are also known to affect your credit score. Even a payday loan application will show up on your credit report, which can affect your ability to take out other types of loans, such as a mortgage or car financing. So, in addition to taking out too many payday loans, consumers should also avoid making too many requests for them.

It should also be noted that showing a dependence on taking out payday loans on your credit report will often be interpreted by lenders as a signal that a person has poor financial management skills, even if you stick to them. your loan repayments. This way, banks will take your payday loan history into account when deciding whether or not to approve you for a loan.

Yes, Goran Babac, Loan Financing Broker, says, “These days it is very difficult for consumers to move away from payday loans; with the world going digital on every level, it’s always in your face through TV advertising, radio, Facebook and any other social media platform.

“As a consumer looking to finance less than about $ 200 to $ 4,999, you will need to take into consideration that these loans are frowned upon by unpaid lenders. They negatively impact your credit score and are seen as difficult routes for someone who is struggling to manage their money.

“My advice to anyone considering borrowing smaller amounts is to save money or consult our personal loan brokers to help you with our minimum loan amounts so that we can potentially save your credit score. of a negative impact, ”Mr. Babac said.

MEDIA CONTACT

Goran Babac

www.yesloans.com.au

08 9362 7239

0413 347 000

About loans Yes

Yes Loans offers a range of loan options ranging from debt consolidation To automobile financing for people who need quick financing. They offer a better financing solution than the payday type loans.


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Alternatives to High Interest Payday Loans – NBC 7 San Diego https://horror-fanatics.com/alternatives-to-high-interest-payday-loans-nbc-7-san-diego/ https://horror-fanatics.com/alternatives-to-high-interest-payday-loans-nbc-7-san-diego/#respond Tue, 10 Aug 2021 04:41:21 +0000 https://horror-fanatics.com/alternatives-to-high-interest-payday-loans-nbc-7-san-diego/ If you’re struggling to pay your bills, you might be considering a payday loan, but beware! Even with some recent reforms, many of these loans still come with high fees and very high interest rates. The good news is that there are alternatives, and as Consumer Reports explains, you just have to know where to […]]]>

If you’re struggling to pay your bills, you might be considering a payday loan, but beware!

Even with some recent reforms, many of these loans still come with high fees and very high interest rates. The good news is that there are alternatives, and as Consumer Reports explains, you just have to know where to look.

The pandemic has really exacerbated the problems with payday lenders, especially for low-income people and black communities. As a result, there has been a push to provide them with better and fairer banking services.

What can you do now if you need emergency cash quickly? First, find a community development financial institution near you. They are financial service providers, like banks or credit unions, whose mission is to bring financial services to low-income communities, places that many traditional banks have largely excluded.

Joining a CDFI can be affordable. They offer free or low cost banking services, with an initial deposit as small as $ 25.

Another avenue that loan seekers can take is to find a nonprofit organization with a payment relief program. For example, Exodus Lending is a non-profit organization dedicated to helping people get out of payday loan debt. These groups consolidate your loans with no fees and 0.0% interest.

If you end up going to a payday lender, it’s important that you know the laws in your state. If you have any questions or issues with a lender, you can find out more on the California Attorney General’s website. here.


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Alternatives to using payday loans https://horror-fanatics.com/alternatives-to-using-payday-loans/ https://horror-fanatics.com/alternatives-to-using-payday-loans/#respond Mon, 09 Aug 2021 21:44:57 +0000 https://horror-fanatics.com/alternatives-to-using-payday-loans/ Alternatives to these high interest loans Before considering a payday loan, the experts at Consumer Reports have advice on alternatives and ways to save money. If you are having trouble paying your bills, you might want to consider a payday loan. But be careful! Even with some recent reforms, many of these loans still come […]]]>

If you are having trouble paying your bills, you might want to consider a payday loan.

But be careful! Even with some recent reforms, many of these loans still come with high fees and very high interest rates.

The good news is that there are alternatives, and as Consumer Reports explains, you just have to know where to look.

The pandemic has really exacerbated the problems with payday lenders, especially for low-income people and black communities.

So there has been a push to provide them with better and fairer banking services.

What can you do now if you need emergency cash quickly?

First, find a community development financial institution near you.

They are financial service providers, like a bank or a credit union, whose mission is to bring financial services to low-income communities, places that many traditional banks have largely excluded.

And joining a CDFI can be affordable.

They offer free or low cost banking services with an initial deposit as small as $ 25.

Another avenue that you can take is to find a nonprofit organization with a payment relief program.

For example, Exodus Lending is a non-profit organization dedicated to helping people get out of payday loan debt.

These groups consolidate your loans without fees and interest.

If you end up going to a payday lender,

CR says it’s important that you know the laws in your state.

USA.gov has a directory of state consumer protection offices, where you can get help if you have a problem with a lender.

All Consumer Reports materials are copyright 2021 Consumer Reports, Inc. ALL RIGHTS RESERVED. Consumer Reports is a non-profit organization that does not accept any advertising. He has no commercial relationship with any advertiser or sponsor on this site. Fo


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Payday Loans For Small Businesses: Everything You Need To Know https://horror-fanatics.com/payday-loans-for-small-businesses-everything-you-need-to-know/ https://horror-fanatics.com/payday-loans-for-small-businesses-everything-you-need-to-know/#respond Mon, 09 Aug 2021 15:07:08 +0000 https://horror-fanatics.com/payday-loans-for-small-businesses-everything-you-need-to-know/ Small business owners have many expenses, and perhaps the most consistent is payroll. The people who work for you, whether they are full-time, part-time or on contract, expect to be paid on time. But what happens when your own customers haven’t paid you or your month is slow? You are still responsible for paying these […]]]>

Small business owners have many expenses, and perhaps the most consistent is payroll. The people who work for you, whether they are full-time, part-time or on contract, expect to be paid on time. But what happens when your own customers haven’t paid you or your month is slow? You are still responsible for paying these employees on time … or you risk them leaving.

A payday loan can bridge the gap between pay and earning income.

What is a payday loan?

Payday loans are small business loans that you can use to pay your staff. There are several types of loans that you can use; some require you to use the funds specifically for payroll, while others are more flexible in how you use them. We’ll cover your options shortly.

How do payday loans work?

While some small business loans can be used for working capital, the purchase of equipment, or the purchase of real estate, payday loans are (sometimes) designed specifically to cover salary costs. These costs include salary, payroll taxes, and benefits.

When is a payday loan a good idea?

Salary costs are probably one of your biggest expenses if you have many full-time employees. There are sometimes financial situations (a global pandemic, for example) where you have unforeseen expenses or less income than expected, and this is when you might struggle to cover the payroll.

Rather than paying your staff late, which could incite panic, you can take out a payday loan to make sure everyone gets their paycheck on time, and then you can pay it back when things improve. financially.

Types of loans you can use for payroll

Borrowers looking for loans to cover their salary expenses have several choices. The amount you pay in interest and fees will depend on the type of loan, your credit scores, and other factors.

SBA loans

The Small Business Administration has several loans that can be used for payroll and other business expenses, including 7 (a) and microloans.

Additionally, while applications are closed for the Paycheque Protection Program (PPP), which was designed to help business owners pay staff during the worst of the coronavirus pandemic, if you received these funds, you can use them for salary expenses. If you use them for specific expenses, you can qualify for a PPP loan discount. Lenders include:

Commercial loans

There are long term and short term loans available from banks and online lenders who can help you with payroll expenses. The higher your credit scores, the lower the rates you can get.

Be aware that some short term loans have high interest rates, so focus on paying them off quickly to reduce what you pay. Check out these lenders:

Merchant cash advance

While cash advances can be expensive, they can also come in handy when you need cash. yesterday pay your team. Rather than a loan, it is an advance on future sales. Your payment will be automatically withdrawn from credit and debit card transactions, daily or weekly. These are the merchant cash advance companies that we recommend:

Business credit cards

While they may not be ideal for paying payroll, having a business credit card can help cover other expenses, such as inventory or office supplies, freeing up your money to pay your bills. staff. Here are a few to consider:

What to consider when choosing a payday loan

In a perfect world, you would borrow money at 0% interest, but the reality is, lenders want to take advantage of the loan. But the lower the annual rate you pay, the less the payday loan will cost you in the long run.

Examine both your business and personal credit scores to see what type of financing you will qualify for. If your credit is great and you can wait a few months for your loan proceeds (maybe not, if you’re currently struggling to pay wages), an SBA loan or bank loan might be a good choice. If you need cash now and don’t have a lot of credit, you may need to consider short term loans or merchant cash advances.

Also, keep in mind that the faster you make those repayments, the less interest you will pay, so figure out if you can afford to pay off your loan sooner and see if your lender charges a penalty fee to do so.

How To Qualify For A Payday Loan

Lenders can vary in their eligibility criteria. Many look at your credit history and ratings to determine the interest rate they can offer you.

Others may place less emphasis on your credit and may instead look at how long you’ve been in business and your annual income, which gives an indication of your ability to repay on time.

It is a good idea to know your credit scores before you apply so that you know what types of loans you will qualify for.

How to get a payday loan

The loan application process for a payday loan can be different from one lender to another. Banks may require you to visit a branch to apply, while alternative lenders may offer a quick online application.

Typically, you will need to provide details about your business, including address, name, business structure, time spent in the business, and annual income. You will also need to provide information about yourself and any other business owner, including Social Security numbers and contact details.

You may also be prompted to connect your bank account so that your loan funds can be quickly deposited (sometimes as early as the next business day).

If you are approved for a loan, read your loan agreement carefully, which will tell you the loan amount and interest rate, as well as the monthly payment. Sign the agreement, then wait for the funds to arrive in your account for these employees to be paid.

Nav’s verdict: payday loans

Rather than struggling to pay your employees, taking out a payday loan can be a great way to make sure everyone gets paid on time and feels safe in your business.

This article was originally written on August 9, 2021.

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What Universal’s Dracula Spinoff Renfield Means for Dark Universe Blueprints https://horror-fanatics.com/what-universals-dracula-spinoff-renfield-means-for-dark-universe-blueprints/ https://horror-fanatics.com/what-universals-dracula-spinoff-renfield-means-for-dark-universe-blueprints/#respond Mon, 09 Aug 2021 03:40:00 +0000 https://horror-fanatics.com/what-universals-dracula-spinoff-renfield-means-for-dark-universe-blueprints/ Universal recently announced the casting of Nicholas Hoult in Renfield, an upcoming spin-off from Dracula, which can make you wonder if the Dark Universe has been revived. The ill-fated series saw Universal Studios attempt to relaunch its classic monster movies as a Marvel-style cinematic universe, with several big stars involved. Renfield shows Universal’s continued interest […]]]>

Universal recently announced the casting of Nicholas Hoult in Renfield, an upcoming spin-off from Dracula, which can make you wonder if the Dark Universe has been revived. The ill-fated series saw Universal Studios attempt to relaunch its classic monster movies as a Marvel-style cinematic universe, with several big stars involved. Renfield shows Universal’s continued interest in their monsters, but what has been revealed about the film so far suggests that it will follow the studio’s new direction of using the monsters in standalone, creator-led reboots.

Renfield is based on a minor character in the original Dracula novel written by Bram Stoker and is the servant of the eponymous vampire. The character has changed in the many adaptations and has been played by everyone from legendary German actor Klaus Kinski to gravel-voiced singer Tom Waits in the 1992’s Bram Stoker’s Dracula. Stoker’s Renfield is an inmate in a Victorian asylum obsessed with eating whole animals who ultimately turns out to be a victim of Dracula’s vampirism. The character reflected Stoker’s interest in the then emerging science of psychology and was based on a real case.


RELATED: The Original Universal Dark Universe Ranked, Worst To Best

Dracula was one of the characters incorporated into Universal’s original line of black-and-white monster movies that came out from the 1930s to the 1950s, and Bela Lugosi’s performance as a vampire became iconic. The films were created as inexpensive “B-movies”, but have become very popular, with dozens of films released. Monsters sometimes met too, as in Frankenstein meets the Wolf Man, leading some to describe the Universal Monsters as the first cinematic universe. The monsters were reinvented several times over the following decades, from prestige projects like Bram Stoker’s Dracula to action movies like Brandon Fraser with The Mummy. Because a lot of the characters are taken from public domain texts like Stoker’s original novel or Mary Shelley’s Frankenstein, there have also been a host of non-universal adaptations. The Dark Universe was another attempt to translate these classic characters into a modern series, but it was canceled after just one movie. Since then, Universal has focused on using the monsters in smaller, creator-led projects, which Renfield seems closer to a continuation of the dark universe.

Why the dark universe was canceled

In May 2017, Universal announced that its upcoming reboot of The Mummy would be the first of an interconnected dark universe based on the classic Universal Monsters. The announcement included a now notorious photo of the A-List stars set to appear in the Dark Universe films, including Tom Cruise as the protagonist of The Mummy, Johnny Depp as the Invisible Man and Russell Crowe as Dr. Jekyll. The second film in the series was to be Bride of Frankenstein, scheduled for Valentine’s Day 2019, but it never went into production.

The 2017 remake of The Mummy received largely negative reviews and, while it made $ 410 million worldwide, failed to cover its budget (which was estimated at $ 195 million) and promotional costs. There were also reportedly production issues during filming, with several directors leaving the project and Tom Cruise insisting on creative changes. This box office disappointment led to the suspension of all plans for the Dark Universe.

Many were skeptical of Project Dark Universe from the start, seeing it as a blatant attempt to copy the success of other cinematic universes shared with a group of characters that modern audiences were unfamiliar with. Universal’s strategy of marketing the universe through stars also contrasted with franchises like Marvel or Star wars which cast many rather obscure actors as heroes. The dark universe was entirely dependent on The Mummy being a huge success, and when that didn’t happen, the whole plan fell apart.

RELATED: Bride of Frankenstein: Scarlett Johansson’s Role Explained

Universal’s new strategy for monsters

The invisible Man

Since Dark Universe’s demise, the studio has focused on developing low-budget horror projects for their monsters, operating through Blumhouse, which has an acclaimed horror story. The first of these was Leigh Whannell’s remake of The invisible Man, which received praise for its treatment of themes of domestic violence. Although it was released just weeks before U.S. theaters closed due to COVID-19, the 2020 Invisible Man made $ 142 million on a budget of just $ 7 million – much less than what an action epic led by Johnny Depp would have cost.

Similar monster-based projects are planned for Blumhouse in the coming years. Jennifer’s body Director Karyn Kusama and recent Best Director winner Chloe Zhao will both direct their own versions of Dracula, the first for Blumhouse and the second for Universal. Whannell would be back at Universal Monsters for a werewolf, with Ryan Gosling strapped in like a star. These smaller, creator-driven films appear to be the future of the franchise, at least in the short term.

As every studio envied the profits and cultural dominance of interconnected Marvel and Disney Star wars universe, their attempts to replicate this style have been mixed at best, with the Dark Universe being one of the more notable failures. Making low budget horror movies, using Blumhouse’s influential model, allows Universal to make a profit even if not all movies are a big hit. It also allows the studio to capitalize on the so-called “high” horror trend with its classic characters.

Renfield’s movie explained

Hot Bodies Nicholas Hoult 2013

The next Renfield The film is described as a horror comedy in which Renfield tries to break off his co-addictive relationship with Dracula, in the vein of What we do in the shadows. The film was based on a pitch by Walking Dead creator Robert Kirkman and a The war of tomorrow director Chris McKay and Rick and morty writer Ryan Ridley attached. Hoult’s cast suggests that Renfield will be presented as a more sympathetic and likeable character, unlike the 59-year-old madman portrayed in Stoker’s novel.

RELATED: Every Dark Universe Movie Released After The Invisible Man

Renfield is said to take place nowadays, which means that it is more likely to relate to the modern ensemble of Kusama Dracula film as Zhao’s approach, which has been described as a science fiction western. However, Dracula’s comedic tone, and more laid-back approach, means it’s likely the film will be a standalone project like the 2020. Invisible Man. Admittedly, the movie sounds a lot different from the big-budget action shows that executives imagined to be the Dark Universe.

Rather than marking a reboot of the dark universe, the Renfield The film shows how Universal’s plans for their classic monsters have changed since the ill-fated Cinematic Universe. There may be links between Renfield and one or both to come Dracula films such as the shared cast, but it seems more likely that the projects will be completely independent of each other. The horror comedy version of Renfield will succeed or fail on its own merits.

NEXT: Every Unsuccessful Attempt In The Dark Universe

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