Payday Loans Blog

If you need money in your bank account now, without the hassel of credit checks, all you have to do is apply online or visit a Check City near you and apply for a fast, easy, and affordable payday loan and they can give you the cash you need on the spot or have it deposited directly into your bank account by the very next business day. It really is that easy!

As long as you have a steady job, and a bank account, you can get approved today.

We understand that sometimes life throws you a curve ball; handel it the easy and stress-free way with Check City!

Javier Morales had two goals against Columbus Crew, but one of those goals ended up being a little more special than the other.
Morales sent a rocket into the goal that bounced off the inside of the wood and into the net.  The goal earned him 46.3 percent of the vote, giving Morales the AT&T goal of the week.  His other goal was off a free kick that took his total for the season to 6.  He was also named MLS Player of the Week as a result of his great play.
Morales is not a stranger to the goal of the week award, winning it in week 1 for a long strike against San Jose. 
RSL hopes to keep their unbeaten-at-home streak alive when they host Toronto FC on August 28th. 

Opinions are flying as plans of a $100million mosque/Islamic community center sends many Americans into an uproar; especially after President Barak Obama's released statements of support for the plans.

In Obama's own defense, he claims that it is his "responsibility to stand up for the constitutional principle of religious freedom and equal treatment of all Americans."

According to a recent Fox News article, many Republicans and some victim's advocates have strongly condemned Obama's support for the mosque which would be built two blocks away from Ground Zero; were almost 3,000 people where killed on Sept. 11, 2001 when jet line hijackers viciously brought down the World Trade Center towers. According to the article, "while no one has voiced opposition to the constructions of the mosque, critics are concerned that the center's proposed location is insensitive to those affected by the terror attacks."

Debra Burlingame, a spokeswoman for some of the Sept. 11 victim's families, stated that the building of the planned Islamic center, "is a deliberately provocative act that will precipitate more bloodshed in the name of Allah."

This picture below is that of President Obama hosting an iftar dinner, the meal that breaks the dawn-to-dusk fast for Muslims during their holy month of Ramadan, in the State Dining Room at the White House in Washington D.C. Friday August 13, 2010.

-All of this together only drawing more light and controversy for many as to the question of whether or not Obama is Muslim-

Perhaps you have seen the latest poll floating around the internet that supposedly shows a growing number of Americans that believe President Barak Obama to be Muslim despite his repeated claims to be a devoted Christian. There seems to be a growing interest in the matter and even a growing concern from many who make an association in their minds with the uproar and controversy that has been in the media for over a decade now.

According to a Fox News report, in his official campaign web site it stated, "Obama has never been a Muslim and is a committed Christian." Although Barak's half-brother, Malik Obama, is not so sure that that statement is true and discusses Barak's Muslim background and showed a picture of himself and Barak dressed in Muslim dress reportedly when the two first met in 1985. (picture shown below)

For many, it is not a matter of Barak Obama having Muslim links or even a Muslim background himself that would be of most concern (according to an article by noquarter) but rather his "appearance of running from any past associations" that seems strange.

Along with this, comes his supposed support for Muslims to build a controversial mosque at Ground Zero.

Wherever that truth lies, one thing is for sure; there is heat and confusion stirring for many.

A lawsuit involving Wells Fargo recently concluded with the bank being ordered to pay $203 Million dollars back to its customers for what the Californian federal judge called "unfair and deceptive business practices".

The judge accused the bank of "profiteering" by changing its polices to process transactions from checks, debit card and bill payments from the highest dollar amount to the lowest dollar amounts instead of in the order that the transactions took place. As a result from the company changing its policies, the highest dollar amount transactions would drain the customer's bank account faster and lead to more overdraft charges from the multiple smaller dollar amounts that followed.

The judge concluded that there was no doubt that the policy change's sole purpose was to increase the bank's profits by increasing the number of overdraft transactions. Along with intent to increase the number of expensive over draft fees that could cost as much as double or even triple the cost of a payday loan that could have saved the troubled accounts, the bank was also accused of being misleading with their online information of people's accounts since the transactions would be shown as pending in-order even though they would be pulled from the account from highest to lowest dollar amount.

This case is just one more frustrating example of how banks are trying to develop new policies to sneak around laws to pocket more of our money.

Did you know that by the time you reach age 50 you might begin experience age-associated memory impairment? That thought is a bit scary, but luckily, recently Dr. Kevin Duff from the center of Alzheimers's Care Imaging and Research at the University of Utah gave some tips of how we can help maintain a healthy, well-functioning brain as we age:

• Physical Activity: Doing things like running, walking, swimming, biking or any related activities that help to keep the body moving and blood flowing to the brain.
• Cognitive Activities: Activities that challenge the mind and help to build new connections in the brain; such as crafts, puzzles, reading, or taking classes for some examples.
• Social Activities: Doing things with friends help to fire up the brain cells; you can join groups, clubs, or church activities.

 

 

 

A recent article " 'Bank on Dallas' reaching out to low- and middle-income residents"  highlights a Dallas Texas inititative and campaign "Bank on Dallas – It's Safe and It's Smart" that is being pushed by Mayor Tom Leppert and council member Jerry Allen, along with Jim Reid, president of the nonprofit Momentum Texas Inc. The program which is "designed to help low- and moderate-income Dallas residents establish savings, build credit history, gain access to low-cost sources of credit and invest for the future" is officially underway.

While I aplaud the efforts to help low and moderate income people, or for that matter the population in general, a recent FDIC Study of BankOverdraft Programs seems to indicate that Bank on Dallas might be reaching out for something else. 

The study examined data from 1171 banks with 6.5 million customers across the US and found that 86% of the banks had an overdraft program and that 71% of the banks automatically opt customers into the program.  The study showed the average overdraft fee was $27.00 and that a customer repaying a $20 POS/debit overdraft in two weeks would incur an APR of 3,520 percent . The study found that 94% of the $1.7 billion in overdraft fee revenue came from customers that overdrew their account an average 5 times per year, while as many as 10% of customers overdrew their account as many as 10 times per year. Just 5 overdrafts per year would generate $135.00 per year in revenue for simply failing to deny a customers transaction, most often at the point of sale. Across a customers working lifetime, an average of 65 years, that equates to nearly $9000.00 in revenue. 

The stated goal of Bank on Dallas is to "generate at least 25,000 new accounts over a two-year period and provide the opportunity for free financial education" . Based on study data, the Dallas consumers would potentially generate an additional $1.35 million dollars worth of revenue per year, or $81 million dollars in overerdraft revenue across an average 60 workling year lifetime. This is a far cry from the $40,000 that Bank On Dallas is trying to save them from spending on cashing checks at other institutions, especially since they might have also get roped into a 350% APR payday loan instead of a 3520% apr overdraft fee.

According to these numbers it makes perfect sense that Bank on Dallas has partnered with the Federal Reserve Bank of Dallas, and other Dallas banks and credit unions such as Capital One Bank, Chase Bank, Citi Bank, Wells Fargo Bank, Comerica Bank, Bank of Texas, Regions Bank and Neighborhood Credit Union. It also seems that their $58,250 funding contributions was a steal for the potential $81 million dollars in revenue they stand to gain from their 25000 new customers.

It is also no surpirse that non-profit organizations sponsored by Banks and Credit Unions are working with local governments to pass legislation across the US to drive out their competition by limiting APR's that overdraft protection products aren't subject to.

It stands to reason that you, as a consumer might need to watch our, for those that decide to watch out for you !!

For the full article by Robert Miller visit DallasNews.com

It is hard to believe that summer is coming to an end and that Back to School is already here again. Even though there is still a few more weeks of summer vacation left for your kids, there are some important ways that you can begin to get everyone ready for the adjustment now. It is best to begin as early as possible for some of these things so that your children are ready and back in the swing of things when that school bell rings.

1.) Get a family calendar: Having a family calendar up on your fridge to check daily and for every family member to be able to see and mark is a great way to help keep everyone on board of upcoming dates and to help relieve a lot of unnecessary stress. When you get a nice big calendar, begin by marking dates that you receive from the school; such as the 1st day of school, picture day, etc. Also, mark all days that an something is happening on; such as driver's ed, sports practices, meetings, etc.

2.) Slowly change sleeping habits: Your kids most likely have that attitude of "I'll have to go to bed early and wake-up early all school year...let me stay up late and sleep in for as long as I can!" Now, this is a pretty good argument that many parents give into, however, it is best to start a couple of weeks before school starts to get them in bed and wake them up a little earlier each day. Trying to make that big adjustment over night will make it very difficult for your kids to fall asleep and even more difficult for them to wake up. Thos first few days of school are critical for them to figure out where their classes are and what will be expected of them; it would be a shame for them to miss a lot of important information and start off on the wrong foot because they are too tired to pay attention.

3.) Gather up all your papers: Get ready to be able to show any necessary documents; especially if it is a new school. Immunization records, birth certificates, etc. This could help save you from last minute frantic searching.

4.) Plan a morning routine: You might want to make a game plan for how you are going to handle the morning rush; such as wake-up times, shower/bathroom turns, breakfast times, lunches prepared, etc. You might not be thinking up to par once those early morning hours hit!

Could you use some extra back-to-school shopping money? If you have any scrap gold in the house that is broken, unused and unwanted, you and bring it down to your local Check City where they pay you more since they deal locally; three to five times as much as other places!

 

 

 

With how expensive it is now a day to simply pay for bills and food, any little extra expense can send your budget into a high-speed nose dive; and back to school shopping isn't exactly a "little expense" once you add up all of the clothes and school supplies. If you are reading this, it is most likely because you are a wise and thrifty shopper who seeks for any opportunity to save money; that is a very good start. Here you will find some smart little tips and tricks to help you develop your game plan when it comes to smart back-to-school shopping!

• Make a List and Check it Twice!-Be sure to get the list provided from the school of the supplies that your children will need. This will give you a starting point, but chances are that you really don't need everything on that list. Check with your children too and ask them what supplies from the list they think they will actually need.
• First check the house- Before you go shopping for new things, take inventory of what you already have in the house. Go through all of the supplies that you have in the house to determine what is still good to use and what you need to buy. Also, go through all of your children's clothes and see what still fits them and what could be handed down to other siblings. Make a list of the bare essentials that your children need and stick to the list to prevent over-spending.
• Check the Sunday paper- Some stores will offer special sales on certain days during certain hours. Look for who has the best prices on what you are looking for and make a list of all the places that you are going to go and what you are shopping for there.
• Don't buy cheap where is counts- Now, this may seem like a contradiction, but think about it; if you buy cheap markers and pens that dry up in a couple of uses or break and leak all over your children's clothes, this will cost you  more money in the long run. Look for quality items that are on sale that will last!

Could you use some extra back-to-school shopping money? If you have any scrap gold in the house that is broken, unused and unwanted, you and bring it down to your local Check City where they pay you more since they deal locally; three to five times as much as other places!

My husband and I are looking into buying a new home in the near future, and we haven't exactly had a perfect credit history. We were advised that we should be extra cautious to make all of our payments on time and to do all we could to improve our credit score so that we could get a better rate when we apply for our home loan. Well, this past month we had some unexpected expenses come up and we were running short in our bank account. I knew we wouldn't quite have enough money to make all of our bills before our next paycheck came in. I went online and applied for a payday loan with Check City. They didn't need a credit check (which would have lowered my credit score even more) and they had our money in our bank account by the next morning. The small fee we paid was well worth even the cost of one late fee from our bills, and best of all, our credit score is looking good!

Check City gets you the money you need, when you need it!

There are countless reasons why someone might need a payday loan; helping to keep your credit score safe is just one of them. Getting approved for a payday loan with Check City is fast, easy and affordable. If you have a steady income, a bank account and an ID, you can get the money you need; and fast. Those who visit a Check City near them to apply can walk out with their cash in hand in just 15 minuets. You could also apply online and have the money in your bank account by the very next business day. Visit Check City today to find out more information!