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Do you need just a few dollars to get you through to next payday? Have an unexpected expense come up, but you have no savings or credit cards to use? For many people in this unfortunate financial circumstance, the answer is a payday loan. But is this a wise financial choice to cover emergency purchases — or even everyday expenses — when your cash runs short?

Sometimes called “cash advances,” these loans were listed as one of the five most dangerous loans by Bankrate.com. How do payday loans work and what exactly is so dangerous about them?

How a Payday Loan Works

When you go to a check cashing place or another business that offers payday loans (including some that operate solely over the Internet), you write the lender a check up to the amount of your next expected pay check, usually post-dated for two weeks later. The len

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Tags: Payday, Payday Loans

When looking for a new credit card, it can be tempting to go with the card offering the most incentives just for signing up. Credit card companies know they have a lot of competition to gain customers so many will use introductory tactics to bring in new business. These intro offers are very appealing but often do not reflect the actual long-term conditions of a credit card. If you do not understand what is coming down the line, you can end up hurting your own finances and credit.

Credit card companies want to attract your attention fast. They want to offer you something you think you can’t refuse so you’ll sign up without thinking past the initial offers. Some companies will give away cash incentives, exclusive merchandise, and other free items as soon as you fill out the application. Oth

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Tags: Incentives, Introductory Incentives

Recent developments relating to mortgage laws are going to make Pennsylvania homebuyers happy. In the online version of the Philadelphia Inquirer, an important news article was published on July 8, 2008 regarding five bills that were signed by Governor Rendell. These bills are intended to provide added layers of protection for Pennsylvania homebuyers with their mortgages as well as to keep a tight rein on the state’s mortgage industry.

Foreclosure: an essential element in mortgage laws

The term “mortgage” encompasses a whole gamut of other concepts such as “default” and “foreclosure.” In light of the present economic situation and sub-prime mortgages causing people to lose their homes, it is good to be aware of what the law provides in case of a foreclosure in Pennsylvania.

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Tags: Laws, Mortgage Laws