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Loan Sharks - The Rise and Rise of Payday Lending
Being poor is expensive.
Banks fall over themselves to lend to rich customers who promise large glittering deposits and low risks. They tempt them with sweet deals and low rates. The less well-off are treated very differently. Many at the bottom are denied credit from mainstream lenders, or forced to pay higher premiums.
In the wake of the financial crisis, more of us are slipping into this category. We are compelled to find credit elsewhere.Payday loans are therefore on the rise.
Loan Sharks - The Rise and Rise of Payday Lenders lifts the lid on this industry and exposes the growing power that it wields. Documenting the rise of the industry with detailed evidence,Packman shows that, although there have always been loan sharks, there has never anything as large and powerful as the current set of payday loan companies operating virtually unchecked in the mainstream of the UK.
But this book goes further than simply analysing the problems: it also offers an honest discussion about practical solutions. Packman raises difficult questions: for example, whether credit unions should be permitted to raise their interest rate limits to justify costs to poorer lenders. Politicians most of whom tend to be in a stable economic position with little experience of these companies should take note.
Payday Loans: Until debt do you part
Written by a former GM of two SLCs.
Do Payday loans got you down? Do you understand what you're signing? Are they really Predator Lenders or do the consumers sign up without reading the contract?
This is an in depth handbook on how SLCs (Small Loan Companies) operate and what the consumer should know before signing on the dotted line!
Focuses on New Mexico, but it will be the same for other SLCs in the Continental U.S. (rates may vary per state.)
Payday Loans Windless Stay-Open Feather Swooper Flag Banner Kit: 15' Fusion Pole Set, Galvanized Steel Stake
This new pole set is interchangeable with BOTH our feather and windless feather flags. Our most cost effective, versatile pole set to date!! Why pay more? Bayfield Trading Post is committed to offering the highest quality merchandise at the lowest prices! Status: In Stock. Orders received after 12 pm EST will be processed the next business day. Shipping rates for the continental US only. This item cannot be shipped to a PO Box.
- Our X Series 11.5 ' feather flag is made of durable polyester knit ensuring vibrant, eye catching color.
- The image is 100 dyed through, singled sided (back side reversed) and will remain open and visible without wind.
- Heavy duty aluminum pole base keeps the straight portion of the flag rigid for better look and performance..
- Industrial strength fiberglass pole top ensures your message will be seen.
- Ground stake is powder coated for more stability and longer life. Safety orange color warns pedestrians of its presence.
50 Ass-Kickin' Lessons for the Entrepreneur Wannabe: Turn My Pain into Your Gain
The payback for you:
Allow award winning executive and author Garry Wheeler to save you a boatload of money, and of course, the pain and suffering of a revolutionary startup gone bad. Follow his pioneering journey while he navigates the entertainment industry and works with CEOs, record label executives, producers, managers, angel investors, venture capitalists and household name performers. Traverse the ups and downs, twists and turns, and leverage his 50 break-through lessons in your own business.
Wheeler offers insight into his could-have-been-successful-but-wasnt experience as the CEO of this compelling startup. This book is not just for the music industry, however. It applies to any entrepreneurial venture.
What did A&R/Marketing executives at Virgin, Geffen/A&M, Rounder and Disney Records, the CEO of a 2 billion apparel company and a half-dozen angel investors have in common? They ALL envisioned BandDigs.com as the next Web 2.0 phenom... another Myspace or YouTube!
How could all these innovative professionals have been wrong and missed the mark on this business? Why didnt a first of its kind, live and interactive video platform for the music industry become an unparalleled success?
Prepare yourselves to more effectively manage any type of business that you are launching or already navigating. Garry seriously wishes that he had read a book like this before he jumped into the abyss of entrepreneurship.
This book is for you if:
- You are working in a company now and are contemplating leaving it to start your own business . . . you are looking for greener pastures . . . you found your true passion . . . you are sick of working for someone else.
- You left a company recently and are thinking about starting your own company versus looking for another real job.
- You are a student and contemplating becoming an entrepreneur after you graduate.
- You are an entrepreneur currently struggling in your role and are looking for ideas and lessons learned that will help you succeed.
- You are the spouse or significant other of a recently failed entrepreneur and are trying to figure out what the hell he/she did wrong!
- You are looking for a business book that is both entertaining and informative.
Buy the book now and dont reinvent the pain; turn his lessons into your gain!
A Moron's Guide to Pay Day Loans: Choosing Sources, Limiting Interest Fees and More!
An excerpt, "...Make sure that you are going to have your money in the bank, the day that the payday loan company plans on taking their money back. Not everyone has a reliable income. If your deposit does not happen for any reason, you are going to wind up owing your payday lender even more than before."
Taming the Sharks: Towards a Cure for the High-Cost Credit Market (Law, Politics, and Society)
Taming the Sharks: Towards a Cure for the High Cost Credit Market chronicles the historic, economic. legal, and political factors breeding America's feverish high cost debt industry. The ideas presented are novel, progressive, and controversial. Historians have long argued that interest rates provide a sort of economic and political health of nations. If true, the contemporary American market for credit shows troubling signs of distress. While Federal Reserve Board monetary policy has kept commercial and prime consumer interest rates low, the past two decades have seen explosive growth in an industry specializing in high-cost consumer debt. Payday loan outlet chains, automobile title loan companies, rent-to-own furniture stores, pawnshops, and sub-prime and manufactured home mortgage lenders are transforming the personal finance patterns of millions of Americans. Many observers have complained this industry charges excessive prices, uses unfair business practices, and is generally causing more harm for its borrowers than good. Industry insiders retort they are merely responding to a legitimate demand for financial services that, in effect, consumers vote with their feet. Echoing problems of past centuries, today's consumers face difficulty comparing credit prices, patterns of reckless lending and borrowing, as well as distressing economic externalities. With an idea on the future, Peterson's book hopes to find ingredients of a compromise to protect working-poor borrowers while simultaneously preserving economic competition.
- Used Book in Good Condition
Two Dogs and a Blonde
In this comedic thriller, Tom Place, owner of the local Dairy Queen, has a problem. He inadvertently trained twelve guys to be hit men and now they are after Jennifer Warren, actress, beauty and pain in the ass. You'll have to read the book to find out how someone could do something as misguided as training a bunch of assassins by mistake. Tom has to find the bad guys before they kill Jennifer and anybody else on their list. So follows a cross-country odyssey from Colorado to the Outer Banks to Washington, D.C. to Wisconsin and back to the foothills above Denver. Tom, his Newfoundland dog Libby, Jennifer Warren and her poodle Bridgette Bardot fight the hit men and other assorted bad guys including... Philly Munson, CEO of EZ Payday Loans. He sees a huge opportunity in contract killing geared to the general public. As Philly says, "Everybody wants somebody dead. Our firm will make those dreams a reality." Billy Means. One of the dirtiest players ever in the NFL. The cops are pretty sure he killed a referee after the Lions game when the ref kicked Means out because he ripped off an opposing player's helmet and threw it in the stands. Joe Porterfield, the Sausage King of Eau Claire, Wisconsin. To stop the madness, Tom has to find out who paid to have Jennifer killed and why. And maybe Tom and Jennifer will fall in love along the way if they don't kill each other first.
QBLPOWER 27910 Cordless Phone Battery Rechargeable Compatible with Vtech 89-1323-00-00 AT&T E1112 E2801 TL72108 Motorola SD-7501 RadioShack 23-959 Cordless Handsets 3.6V (Pack of 3)
Compatible with Models:
AT&T/Lucent27910, 80-5848-00-00, 8058480000, 89-0099-00-00, 8900990000, E1112, E1113, E1114, E1912, E191913, E191914, E191937, E2801, E2802, E2803, E2811, E2812, E2813, E2901, E2902, E2913, E2914, E3813, E3814, E5602, E5605, E5640, E5643, E5644, E5654, E5655, E5901, E5902, E5903, E5910, E5917, E5923, E5924, E5926, E5927, E5933, E5934, E5937, E5938, E5939, E5943, E5944, E5947, E595911, E595912, E595913, E595914, E595918, E595921, E595922, E5971, E5972, E5981, E5982, E6001, E6002, E6012, E6013, E6014, E560-2, E560-5, E597-1, E598-2
Empire: CPH-464D, CPH464D
Energizer: ER-P510, ERP510
GE: TL96158, TL-96158 86158, 2 -5721, 25721, 2-2522, 22522, 21009GE3, 21018GE3, 21028GE3, 21098, 21900, 21905, 25413, 25414, 25415, 25831GE3, 25832GE3, 25833, 25902, 25912, 25922, 25932, 25942, 25952, 25982, 25983, 26977, 26977GE1, 26977GE2, 26977GE6, 27700GE2, 27901, 27907, 27910, 27910GE3, 27920, 27920GE1, 27920GE2, 27920GE3, 27920GE4, 27920GE5, 27920GE6, 27920GE7, 27925, 27925GE3, 27929, 27930, 27930GE3, 27930GE4, 27930GE6, 27930GE7, 27931, 27931GE4, 27931GE5, 27931GE6, 27931GE7, 27935, 27935GE3, 27935GE3B, 27936, 27936GE3, 27938GE1, 27939GE3, 27980, 27990, 27990GE3, 27993, 27993GE3, 28110, 28111, 28112, 28122, 28128, 28129, 28132, 29110, 29111, 29115, 29407, 29510, 29512, 29514, 29519D, 295522D, 29626, 29639, 29630A, 29631, 29632, 29670, 29672, 521819A, 52319, 52311, 52522, 52523, 52533, 52539, 5-2637, 52650, 52721, 53304
3pcs 27910 batteries
- AAA*3 Nickel Metal Hydride, 800mAh, 3.6V DC
- Over-voltage, over-current, over-charge, and short-circuit protection & Best wire Length for the space
- These Batteries are fully Compatible with the original battery.Compatible with Batteries:27910 89-1323-00-00 SD-7501 23-959
- Choose one better than buying new phone,recommend these batteries as replacements for the originals.
- Compatible with Vtech 89-1323-00-00 Model 27910 ia5845 i6727 i6765 i6768 i6777 i6785 i6786 i6789 mi6896 mi6897 mi6807 mi6870 mi6889 AT&T SynJ SB67108 SB67118 TL70008 TL71108 TL71208 TL71308 TL72108 TL72208 TL72308 TL72408 TL74108 TL74208 TL74308 TL74308 TL74358 TL70008 TL77008 TL78108 TL78208 TL78308 TL78408 e2912b Motorola SD-7501 MD400 RadioShack 23-959 Handset Telephone battery
How the Other Half Banks: Exclusion, Exploitation, and the Threat to Democracy
The United States has two separate banking systems todayone serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessitiesall thanks to deregulation that began in the 1970s and continues decades later.
In an age of corporate megabanks with trillions of dollars in assets, it is easy to forget that Americas banking system was originally created as a public service. Banks have always relied on credit from the federal government, provided on favorable terms so that they could issue low-interest loans. But as banks grew in size and political influence, they shed their social contract with the American people, demanding to be treated as a private industry free from any public-serving responsibility. They abandoned less profitable, low-income customers in favor of wealthier clients and high-yield investments. Fringe lenders stepped in to fill the void. This two-tier banking system has become even more unequal since the 2008 financial crisis.
Baradaran proposes a solution: reenlisting the U.S. Post Office in its historic function of providing bank services. The post office played an important but largely forgotten role in the creation of American democracy, and it could be deployed again to level the field of financial opportunity.
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