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With Missouri lawmakers all but wrapped up for this session, there are a number of proposed state laws being closely examined before the summer break. Like the so-called “Facebook Law” which was heavily flawed before being signed into law, a number of these proposed laws are extremely emotional due to their possible effects on the average Missourian.

Dealing directly with our wallets, there are two somewhat related petitions which look likely to end up on ballot for Missourians come this November. These two measures, while completely separate, both have at least an indirect financial impact on all of us. The first would raise Missouri’s minimum wage to $8.25 per hour and the second would limit the interest rate on payday loans to 36 percent.

Missourians should support both measures.

While mandatory wage increases are typically fought along party lines, even the most die-hard business owner would privately agree that minimum wage must go up at some point every so often in order for a well-functioning society to thrive. The positive and negative economic effects of a wage increase will be argued to no end but the reality is that thousands of Missourians depend on this minimum to help feed and clothe their children. And the smallest businesses (grossing less than $500,000 income annually) will be exempt under this law, allowing them to avoid taking a sudden crushing financial blow.

The initiative limiting payday loan interest rates to 36 percent may be a tougher sell due to the possible “It Doesn’t Affect Me So I Don’t Care” Syndrome (or the “It’s Their Own Fault” Syndrome). However, these predatory lenders are the modern equivalent of loan sharking, typically preying on those who may or may not understand the fine print. Ignorance notwithstanding, it is those in the lower socio-economic brackets who are hit the hardest by these unscrupulous business owners.

For those affected by the payday loan business, it is truly a vicious cycle. One scenario: a single mother and her children are about to be sent to the street in a purely hypothetical town in southwest Missouri. After being turned away by churches and charities for a multitude of reasons she only partially understands, she turns to the one place where she can actually (legally) obtain the rent money — a payday loan type place. She is temporarily relieved to keep herself and two children off the street for another week or two. The loan quickly triples and quadruples and she is threatened with car repossession and wage garnishment. Off to another payday loan and the cycle continues.

While many of Missouri’s proposed laws are restrictive and overreach, these two laws are a necessary protection for those who are struggling the hardest in difficult times. And looking out for the weakest among us may just benefit all of us.

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Our own research showed that with many payday loans services, their fees and interest rates were confusing and unclear. We empathise with those people who have taken a payday loan, unaware of just how much the lending will actually cost them.
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New York, NY — (SBWIRE) — 05/11/2012 — Responding to an elevated requirement for immediate cash financial loans to satisfy problems and some other type of financial hardships http://PaydayAdvanceCash.us released a completely new system which provides customers access immediately to financial loans even when theyve financial problems or poor credit.

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Past users say that the best aspect of the system is that people with terrible credit can still acquire a loan for the amount that they need. http://PaydayAdvanceCash.us Payday has the ability to accomplish this as they dont have the large overhead of a store front. They can make risky loans and still be in the clear, considerably different from the realities of a bank or a store-front loan shark.

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Representatives from each of the eight subcommittees that comprise the Transition Task Force (TTF) participated in an “Update and Dialogue” sponsored by Princeton Future on Saturday morning at the Princeton Public Library.

In his introduction, TTF vice chair Scott Sillars expressed the hope that the transition will turn out “to be seamless,” except, perhaps with minor changes like having to “go to a different office to a pay a parking ticket.” He emphasized, however, that the TTF’s charge is to “make recommendations” to the two governing bodies, who will ultimately decide on what gets implemented.

Mr. Sillars reported that the Finance Subcomittee is monitoring implementation plans against cost savings estimates; tracking transition costs; providing a liaison with the state; developing a combination of 2012 budgets; and monitoring other impacts of consolidation on the Open Space Tax and sewer rates. Debt consolidation does not pose a problem, but the different accounting approaches of the Borough and the Township need to be reconciled, he noted.

Looking ahead, Mr. Sillars said that the Finance Subcommittee hoped to have a draft “combination budget” by June; a recommendation on the Open Space Tax by August; and a summary of planned savings and transition costs by mid-Fall.

Task Force member Hendricks Davis reported that the Boards and Commissions Subcommittee had “just about completed” its inventory of “existing entities,” although it will continue to be regularly updated. The Boards and Commissions subcommittee will also make recommendations for the integration process, and Mr. Davis applauded the fact that “so much happens in this community because of citizen participation.”

Joking that their responsibilities run the gamut from dog licensing software to infrastructure support, Information Technology (IT) Subcommittee spokesperson Gary Patteson described that group’s efforts to inventory existing hardware, software, vendor support, and current costs. They believe that a new email system will pay for itself after just one year. The subcommittee hopes to submit a plan for IT deployment and hardware location by July 15.

Creating a timeline — including the “lead time” required for IT implementation — that will be delivered to the TTF and both governing bodies has allowed this subcommittee to work with IT staff and department heads, Mr. Patteson noted, although IT implementation for the new Police force is the purview of the Public Safety Subcommittee. IT collaboration with the Princeton Public Schools may be considered at a later date.

The Facilities and Assets Subcommittee, said Bernie Miller, is working on ways to accommodate the staff of the new Princeton in existing facilities “in a manner that provides for the effective operation of municipal departments, long with user-friendly access.” Efforts will be made to locate single departments near others with related concerns to maximize their operations. KSS Architects, Mr. Miller said, have been engaged to consult on the subcommittee’s work.

Jim Levine was the first of the morning’s speakers to note the use of a new graphic that depicts “putting the pieces” of two organizations together. Personnel Subcommittee areas of concern include the overall workforce sizing process; reconciliation of employee policies/procedures; and promotion of “cross pollination” among different offices. Recommendations regarding “redundant positions” and severance packages will be presented mid-May, said Mr. Levine. Providing stability “while conducting thorough reviews” is anticipated to be a challenge, he observed, adding that the Subcommittee’s belief that the new organization should reflect “a balance of Borough and Township experience.”

Jo Butler reported that an organization chart for the integration of the two municipalities’ public works departments; “recreation maintenance; “engineering; land use; planning; construction; zoning; and fire and housing safety will be forthcoming. Brush and leaf collection will be coordinated, and garbage and composting systems will be put out for bid together. Ms. Butler noted that there will definitely be just one Public Services Commission.

Bernie Miller spoke about the complex combination of personnel, facilities, and technology that the Public Safety Subcommittee is addressing in order to ensure that when someone dials 911 on January 1, someone “will pick up the phone.” Merging police departments includes merging police dispatch, and emergency services coordination. No action is needed on the Fire Department, which already serves both municipalities.

It is anticipated that there will be 55 policemen and women on the new combined police department. Questions of the location of the force, the location of dispatch (and, perhaps, whether to outsource the dispatch function), and the importance of having common technology are all being addressed. Although Princeton University’s public safety department provides “great support,” the fact that they do not carry firearms is significant.

Mr. Sillars encouraged area residents to familiarize themselves with the Task Force’s work by attending its public meetings, and by visiting the website, www.cgr.org/princeton/transition, where agendas and minutes are published. Critical recommendations are expected to be presented at the Wednesday, May 16 meeting at 7 pm in Borough Hall.

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CashAdvance.net has unveiled a new 24-hour phone number primarily to open up greater access to payday loans for customers who do not want to give out their personal information over the Internet but are still interested in applying for a loan. Customers who normally would be willing to complete an online application but are unable to do so because of inaccessibility to the Internet can also use the phone number. The new number, which can be found on the site’s “Contact Us” page,” allows customers to speak to a live phone representative who can answer their questions and help them complete their loan application. As with the site’s online application process, customers who call in to apply can usually get their loan approved within minutes.

“It is the goal of CashAdvance.net to make payday loans available to anyone who wants them, and this new application phone number helps us accomplish that goal,” says CashAdvance.net spokesperson Steve Robinson. “Customers who need money fast to cover unexpected and necessary expenses can now apply for a payday loan without needing to get onto a computer. We are pleased to offer this new application method to better serve our customers and help them through their financial difficulties.”

Whether they are applying online or over the phone, consumers can get a cash advance even if they have poor credit or no credit history at all. Upon being approved for a loan, borrowers can receive their funds within 24 hours via direct deposit into their checking account. The average loan amount ranges between $100 and $1,500. The skilled lenders that work with CashAdvance.net determine the total loan amount based on the borrower’s need and earned salary. Loan repayment is handled in an automatic fashion for the greatest possible customer convenience, with repayment being electronically withdrawn from a borrower’s bank account on the scheduled due date.

To be eligible for a payday loan, applicants must possess a few basic qualifications. Among these qualifications are that they have a checking account in their own name, home and work phone numbers, and a valid email address. In addition, customers have to be employed, earn at least $1,000 per month after taxes, be a US citizen or permanent resident, and be 18 years of age or older. Customers who are applying via the new phone number must provide their checking account and contact information to the representative during the application call.

CashAdvance.net’s new 24-hour application phone number represents just the latest effort by the company to enhance its relationship with customers around the country.

For the original version on PRWeb visit: http://www.prweb.com/releases/prweb2012/5/prweb9494021.htm

Copyright 2012 Midland Daily News. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Youve gotten to the breaking point where you cant imagine trying to dodge one more call from a collection agency and need relief immediately.

Unfortunately this sinking feeling is all too common across the heartland today. According to a recent survey by Bankrate.com, four out of 10 Americans are on the verge of financial collapse, with 25% of survey participants reporting that they owe more on credit cards than they have saved for an emergency.

Surprisingly and most alarming, those supposed to be on the brink of retirement were more likely to have more credit card debt than savings.

These are the people who are supposed to be getting ready to retire. This may be an indication that they are not really ready, says Mackey McNeill, CFA, president and CEO of Mackey Advisors.

Unfortunately what may be occurring is this pre-retirement group may be helping their children to stay afloat as the economy struggles to recover. Bankrate.coms survey reported that 31% of the survey respondents who had children have credit card debt that is higher than their savings.

Credit experts contend that consumers approach debt backwards by struggling to first meet minimum payments each month only to have nothing left over for savings. Gail Cunningham, VP/Membership and PR for the National Foundation for Credit Counseling says that consumers should be paying themselves first before disbursing cash to creditors.

I really land on the side of savings, she says. People absolutely need to service their debt, but I do know that peoples entire financial well-being can be wrecked by one flat tire, one visit to the emergency room or one leaky toilet.

If you are starting with nothing in your emergency fund, but require a benchmark figure, stockpiling up to two years worth of expenses would be best.

Ideally, I would like two years worth of expenses. That is really optimistic, though. At a minimum youd want six months to a year, says Kimberly Foss, CFP, president of Empyrion Wealth Management.

Should You Consider a Debt Management Company?

In some cases, the consumer will head to a debt management company, hoping that a credit counselor will provide guidance and direction. Unfortunately following the collapse of the economy, numerous predatory debt management companies sprung up across the country, causing more harm than good to the consumer.

While many of these companies promise the moon and the stars, credit counselor Richard Musser says that getting out of debt does not happen overnight. There is no magic bullet, he explains. Its going take time. If you got yourself into a debt situation, its going take time to undo it.

Musser says that a debt consolidation or management company may help you reach a settlement where you end up paying less than what you owe, but the work done to whittle down the debt may have a negative impact on the consumers credit score–which could have a lasting effect for several years. Additionally, some companies charge up front fees or try to cross sell additional services in an effort to boost that fee.

While not all credit counseling/debt management companies are considered to be predatory, the consumer will have to perform significant research before handing over his or her debt history.

The Federal Trade Commission suggests that before agreeing to work with a debt counselor, consumers should ask questions such as:

• What services do you offer? The FTC recommends that consumers avoid companies that push or only offer a debt management plan (DMP) as the only option before evaluating your financial situation.
• What are your fees? Get this detailed information up front and get it in writing.
• Is there a formal contract I have to sign? Dont sign a contract without reading it first and/or having your attorney evaluate it.
• How are you counselors compensated? The FTC says that if employees are paid based on the number of services you sign up for, to consider that to be a red flag.

Your Credit Union Has a Better Alternative

Rather than wading through the sketchy world of debt consolidation/management companies, go with a friend and neighbor you know–your credit union.

Many credit unions offer comprehensive debt management and financial literacy assistance to not only help you pay off your debt, but jump-start that savings/emergency fund.

For example, PrimeWay Federal Credit Union ($412 million, Houston, TX) has had a Debt in Focus program for about four years. We rolled it out because we had a number of members who were struggling financially, but they never came into a branch, says Michelle Oshinski, SVP Marketing amp; Government Affairs. Our mission as an organization is to help our members create financial strength through education, service and stewardship. We trained a number of employees as Certified Financial Counselors, but we also wanted to help those who might be too embarrassed to come into the office.

Oshinski cites a few examples where the credit union has pulled the member back from the brink of financial disaster. One member wentthrough a terrible divorce after coming to this country fromJapan, she said. She didnt have any local family and was left with horrible credit card debt as a result. We gave her a chance and she proved herself. We finished helping her settle the last amount of credit card debt, saving her a huge amount of money. She rebuilt her credit, and her life. She ended up going back to get her doctorate in mathematics, teaches at U of H downtown now and has preached to her students and faculty how credit unions can change lives.

The second example Oshinski shares surrounds a member who came into a branch to discuss payday loans. He had spent thousands of dollars and was living off payday loans. He finally got to a point where none of the loan companies would lend to him and his payroll wouldnt make the needed payments.

He was fromAfricaand worked as a gas station attendant for over 20 years, she continues. He had a wife and three kids who were getting older and ready to graduate from high school. This man fell apart as he recounted how hard he worked to take care of his family and the one thing he regretted most was that he didnt own a home and lived in the same apartment since coming toAmerica, getting married, and starting his family.

Oshinski says that she talked with the member and through the conversation realized that he had a nice sized retirement built up with a recognized oil company. He never used his retirement money to help himself. This man was able to take out a temporary loan with his 401k to payoff the payday loan places and clear his credit.

Then the member qualified to take out a temporary loan to payoff the 401k loan. His credit score improved during this process so much so that he qualified for a mortgage loan. He used his retirement money again to make the needed down payment. Within a year, this hardworking man went from a very low point to a very high pointin his life. He touched base with me after completing the process to thank me for taking the time to talk with him and point out a way he could make his dream come true.

Its stories like PrimeWays that demonstrate how going to a credit union allows the member to move beyond the cycle of debt and learn how to manage money and make it work to their advantage.

Golden 1 Credit Union ($7 billion, Sacramento CA) supports financial literacy by offering an expansive debt management series. The online seven part video tutorials touch on various aspects of debt management including how to control spending, bankruptcy and how to actively attack and reduce debt. Members can also opt to attend a live debt management seminar that covers specific topics such as how to stick to a budget and how to pay yourself first.

Additionally the credit union offers a comprehensive online debt management calculator that allows the member to determine how to consolidate debt and credit card payoff.

UW Credit Union ($1.4 billion, Madison, WI) guides members through its BALANCE program, which is a free financial counseling program that allows the member to ask financial questions, review their credit report and develop a solid financial plan.

Drowning in debt and need a lifesaver? Before you make a move, find a credit union and inquire about its debt management program–it could save you from financial disaster.

Resources:

http://www.foxbusiness.com/personal-finance/2012/02/21/many-americans-living-on-edge-debt/

http://www.wgal.com/news/money/Drawbacks-to-using-debt-consolidation-companies/-/9360224/12570094/-/ptefbg/-/

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm

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Recently AdvanceLoan.net increased their site speed, shortened loan processing time, and instituted new security measures to protect consumers.

New York, NY (PRWEB) May 09, 2012

AdvanceLoan at http://www.AdvanceLoan.net recently shortened the time it takes to receive a short term cash loan. Now consumers can receive loans between $100 and $1,500 in as little as one hour. The site also increased security and browsing speed through a number of high-tech improvements.

We are working hard to make sure customers get top quality service in record time while knowing their financial and personal information is being held in the strictest confidence through state-of-the-art online security, said Steve Morgan of AdvanceLoan.net.

For many years AdvanceLoan.net has offered one hour payday loans to consumers who need cash quickly. The sites home page immediately shows customers form fields to enter their personal, employment, and financial information.

AdvanceLoan.net then consults their network of lending institutions to find the best rates and terms for each customer. In many cases funds can be in the customers hands within an hour. Thats a huge benefit for people who are faced with a sudden cash crises. If your car needs repair, or your paycheck didnt arrive, or a medical emergency arises, AdvanceLoan can help you make ends meet, Steve Morgan said.

AdvanceLoan.net recognizes that emergencies dont always happen between 9 and 5 while allowing days of processing time. That is why AdvanceLoan is open 24/7 every day of the year processing loans at any time of day or night. This gives customers of all credit types and in all regions a better way of getting money for emergency situations.

AdvanceLoan.net has expanded their online presence with full social media access including busy Facebook and Twitter accounts. This encourages customers to communicate using the media they are most comfortable with.

The sites increased speed lets consumers browse through helpful articles and FAQs with industry approved advice on getting loans.

Customers facing an emergency have a lot on their plate. They dont have time to negotiate a complicated website with pages of fine print and days of processing time. Thats why AdvanceLoan.net puts our application right on the home page. We make the application process as fast and easy as possible while getting customers up to $1,500 in just one hour, Morgan said.

AdvanceLoan.Net uses the latest SSL technology with up to 256-bit encryption from Geotrust. This keeps applications private and secure.

For the original version on PRWeb visit: http://www.prweb.com/releases/prweb2012/5/prweb9485539.htm

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The decision-making process on the controversial planning application for a payday loan shop on Tower Bridge Road may have to be re-run because of the proposed abolition of Bermondsey Community Council.

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PAYDAY-LOANS-UK.ORG: Payday loans can help you improve your credit score
PAYDAY-LOANS-UK.ORG, a major portal for payday loans today announced the release of their new article. The website, operated by Green Spiral Media reminds that the payday loan services have many applications and can be applied in different situations. One of these applications, the website claims, is for improving a bad credit score.

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