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Three Ways YOU Can Get Paid Today

theempire — Fri, 21 Jan 2011 22:04:53 +0000

If you need to get paid today there are three ways that just about anyone can do this. You can choose one way, or a combination of all of them. We’ll first talk about how to borrow the cash, then cover two ways to earn it. I recommend that you do what you can to earn money today before trying to borrow it so that you aren’t stuck trying to get a large loan. The less you borrow, the less you’ll have to pay the lender in interest, saving more money.

How To Borrow Money Today

Payday loans are one of the most common ways to borrow cash. They are fast, easy, and have very simple requirements. If you have a steady job and a checking account you will find a lender that will help you out.

These loans can be found in your neighborhood or online. If you have a lender near you that will probably be the fastest way to get paid today. They write your check right there in the office if you qualify, and the entire process will only take a couple of hours.

Online lenders transfer the money into your bank account, which will take about a business day before you can spend any of it. The thing is, these are much easier than having to drive to a loan office.

The size of the loan that you can get depends on how much money you make. We covered how to get a $500 payday loan last week, but keep in mind that lenders generally will offer you 25% of the amount that you make each month.

Remember that the less you borrow the less you owe, so the next steps will help you figure out how to earn some cash very quickly.

Sell Some Of Your Stuff Today

Rather than rattle off how to sell your stuff (it’s not rocket science), I’ll just provide you with some links that can help you sell what you have. Most of these are physical stores that you can take your stuff to. This is the best way since they will take your stuff and pay you for it right way.

Selling stuff online might seem like the most convenient way to do so, but you won’t get paid nearly as quick. Almost all online retailers will make your payment go through whatever system they have, or reach a specific threshold, before you can access it all.

For this reason, do it in your neighborhood and get paid today!

Sell Anything

Craigslist
Amazon (takes time to get paid this way)
eBay (much quicker than Amazon, but requires your money to go through Paypal)

Sell Video Games

Gamestop
Game Crazy
Glyde (cool online service that’s not exactly fast)

Sell Music

Glyde

Sell Clothes

Sell Sporting Equipment

Play It Again Sports

I’m sure that there are millions of other things that you can sell, but these are the ones that consistently pay well. Another problem is that most of these companies are based on the West Coast. That’s where Fast Cash Authority is based, and that’s what we know! If you happen to be reading this from another part of the country and there’s something that is popular over there, drop us a line in the comments and I’ll update this!

Pawn shops are another option, and work great when you have stuff left over from trying to sell at the places above. They’ll hook you up with a check or cash really quickly.

Working To Get Paid Today

There are a lot of ways to get paid today by working for it. You’re probably thinking that you’ll have to wait until payday to get your check, but there are some ways to work for cash.

My favorite way when I’m in this situation is to hit up my family members. They respect the fact that I’m not trying to borrow cash from them and are normally willing to lend me a hand. Normally I’ll end up babysitting or mowing their lawn, but it always helps.

If this isn’t an option for you, head back to Craigslist, get to your neighborhood, then find the job section called [ETC] (it’s at the bottom). Here’s where you’ll find all sorts of bizarre gigs. Just a quick browse through my area’s turns up focus groups, video game testing, paid interviews, mystery shopper, and dog walking.

Between these three ideas you’re bound to get paid today. None of them are difficult, the hard part is figuring out where to start! Just remember that if you earn money first and borrow later you’ll save a ton in interest!

Where Are The Low Fee Payday Loans?

theempire — Mon, 03 Jan 2011 00:45:04 +0000

Finding low fee payday loans really shouldn’t be as big of a chore as it is, but this is an unfortunate fact of life. Payday loan companies know that you’re broke and are more than willing to take advantage of that. The good news is that there are some things that you can do that will bring the price of a loan down dramatically, but it takes a little extra time and work on your part. If you’re willing to do that, I’ll show you how to find low interest payday loans.

Before we get too far, you should know what to expect to pay for a loan. Each state has their own specific regulations for how much lenders can charge. States like Alabama put little restriction on the lenders, so rates tend to be much higher there. Overall though, you should expect to pay around $25 for every $100 that you borrow, unless you’re willing to work to get it cheaper.

Cheap Online Payday Loans

There is so much shady business when it comes to getting fast cash online, but with a little bit of understanding of how the process works you can easily avoid all of it. The first thing that you have to do is avoid any company or website that works to help you get a loan. They may say that they’ll send your application to a large network of lenders, but this normally leads to trouble and extreme fees.

Instead you’ll want to go only with the companies that do the lending. Real payday loan lenders are few and far between, but once you have an eye for spotting them it’s easy to decipher what’s really going on. The most obvious way to tell if a company actually lends money is if you’re able to find a section that has individual interest rates for each state. Only legit lender sites will have this, and it will show you which states they are licensed to lend money in. Once you have a few of these sites on your radar it will only take a second to compare rates for each on to find the cheapest.

What if you want to make it cheaper? Find the companies that offer first time borrower specials. Payday Max is one of the leading fast cash advance companies, and they constantly offer 50% off of the interest rates for new customers. They aren’t the only company that offers these, but they do it most often.

Saving Money With Local Payday Loans

Being a smart shopper is the best way to save money on a paycheck loan in your neighborhood. All you have to do is go to the yellow pages site, find the lenders in your area and give them a call. You’re going to want to know what their rates are, if they are offering any specials, and what paperwork you’ll need to bring with you when you apply. After a few phone calls you’ll have a clear picture of who is going to be the cheapest in your area.

Another advantage of local loans is that they’re much faster than online ones. This is as close to instant approval payday loans you’ll find. Why is this? Online lenders work quickly, but are at the mercy of your bank for getting the funds transferred into your checking account. Your bank has to post the transfer before you can spend a dime of your loan. Local loans, on the other hand, will write you a check right there and you’ll be spending the cash much sooner, usually in an hour or two.

Not saving money on your payday loan is just a dumb thing to do. These loans are already way too expensive and may end up leaving you just as broke the day you pay it back as you are right now.

Your Basement Junk Might Be Worth A Lot Of Cash

Admin — Wed, 27 Oct 2010 23:47:05 +0000

It’s an awful feeling to have when you need cash and yet are basically broke. If you are lucky then you are still waiting for a check but those without jobs have to think very hard about what to do and where to get money from in dire times. Some of these people might or might not have any family members or friends that will lend them money when in need. Asking for money should really be avoided though because it can become a habit and money is known to ruin good friendships and relationships. Getting money can be very easy for those who have piled lots of junk. I have been to many homes and have seen garages and basements that you can not even walk through. Some people seriously never throw anything away and this is where one can get fast cash.

A basement full of junk can actually mean a gold mine when you are in need. You would be surprised at how much some old things can be worth and how much your garbage can cash in. After all, they say one man’s garbage is another man’s treasure. This is very true so whenever you are in need for a couple of hundred bucks then it’s time to clean out the basement and try your luck at getting fast cash today. You might wonder who would buy all these things from you. Well, your best bet is to have a garage sale. You can go to a pawn shop but they will offer you much less than if you sell on your own.

We heard it one too many times that a person goes to a garage sale and buys something for $1 that is worth a million. You don’t want this to happen to you so carefully price things and leave aside what might be an antique or an old collection of anything. Some things can be auctioned off. For more money you can place some ads for people that are willing to pay more for specific things they might be looking for. You can get fast cash selling your old belongings to the neighborhood and cars passing by. People are always very interested in garage sales because people are always searching for bargains. So before you throw away your old sneakers why not just wash and store them for a time of need even if you can get $5 for them, it adds up.

What Can You Do To Guarantee A Payday Loan?

theempire — Mon, 25 Oct 2010 22:31:57 +0000

Although advertisers may say otherwise, guaranteed payday loans simply do not exist. If a lender were to guarantee that everyone who applied was approved, they would be out of business in a couple of days! Fortunately there are some things that you can do to help make sure that you’re able to qualify for a loan. In this post I want to show you these things so that you don’t waste your time chasing a loan that you won’t be able to get.

When shopping for a payday advance online, you have know that not every website out there is going to lend you money. In fact, there are three types; lenders, loan matching services, and information sites (like this one). The only one that you want to apply with are the actual payday loan lenders. This will prevent getting approved for a loan from a shady bank in Costa Rica or Jamaica.

So what can you do to increase your chances of getting approved? Start by knowing what lenders are looking for. You’re going to have to have a job and an active checking account. Most lenders are going to require that you’ve been at your job for at least six months and make over a thousand bucks a month after taxes. As for your checking account, it should be open at least three months and have had deposits or withdrawals each of those months.

There are no credit checks, but they will check your employment and income, so there’s no sense in trying to lie about those on your application.

Some lenders will require that you have direct deposit of your paycheck. If you don’t direct deposit, don’t apply with a lender like that!

After spending some time browsing around lender websites you’ll get a feel for who has requirements that match what you have. There are probably 20 or 25 different lenders out there, and there is one that’s going to be able to help you out.

What if you can’t meet the requirements? There are a few other ways to make money now. Title loans are a good alternative to payday loans, but you have to have a paid off car to qualify. You can sell off some of your stuff on Craigslist. Working overtime at your job is a good choice if you can wait until the next payday to get paid. You also may be able to help out some friends or family members with odd jobs to earn some cash fast.

Lenders make a lot of big claims in their advertisements that they aren’t able to back up. You won’t be able to find guaranteed or 1 hour payday loans anywhere. Once you are able to separate the hype from the truth you can start to decide which route to take. Hopefully this post cleared up some of this for you so that you’re able to get the fast cash you need.

Finding Cheap Local Payday Loans

theempire — Wed, 13 Oct 2010 01:01:38 +0000

Everyone knows that payday loans are a ridiculously expensive way to get fast cash. But not everyone knows what it takes to find a cheap payday loan! In this post I want to offer up some tips for finding the best rates at your local payday lenders. It’s actually much easier than trying to find good rates online, but it does take the extra work of heading down to the loan office to get your money.

It’s important to note here that local payday loans tend to be faster than online ones. The reason for this is that they will cut you a check on the spot, rather than transferring into your checking account electronically. Sure, electronic funds transfers are instant, but your bank has to approve it to post the funds to your account.

The first step to finding a low cost payday loan is to figure out where all of the lenders are in your area. Saving ten bucks on a payday loan doesn’t make any sense if you have to burn that much gas to get it and pay it back! If you can, put this together on a list with their addresses and phone numbers so that you can jot down notes in the next step.

Once you have an idea of who in your area is lending money, it’s time to call them up. The purpose of this is to ask them what they’re currently charging so that you can compare them with all of the other lenders in your area. What you can also do at this point is judge things like customer service and figure out what paperwork you have to bring with you to apply. Getting the paperwork right the first time will save you a ton of time.
From here simply compare your notes among all of the lenders on your list and find the one that’s the cheapest. Don’t forget that saving money isn’t worth being treated like garbage, so you may also want to consider how friendly they were during your phone call.

Saving money on your payday loan helps you make sure that you’re able to pay it back. Not paying a loan back, or having multiple loans out at the same time leads to an enormous amount of debt that’s nearly impossible to climb out of on your own. Get the loan that you can afford so that it’s not such a struggle to get it paid back and prevent any of the payday loan drama that so many people have to deal with!

How To Find A Cheap Payday Loan

theempire — Tue, 05 Oct 2010 23:42:54 +0000

Finding a cheap payday loan is easier than you probably think. The first thing that you have to do is to do the work yourself. A ton of people make the mistake of using one of those loan matching services in the hopes that they’re shopping your application out to get you the best rate. That’s a naive line of thinking, they’re shopping your loan out to get them the most money. There are a lot of shady cats out there when it comes to fast cash, so doing the work yourself is going to also help you protect your butt!

This methodology only applies for a payday advance online, not the local ones. If you’re comparing rates for local lenders, just call them up and ask.

The first step is to find actual lenders, not the loan matching services. The easiest thing to do is simply to go with websites that are brand names that you’re familiar with. If they lend money in a store, they’re legit. So all of those lenders in your neighborhood will also be able to help you out online.

Another thing to look for is a section of the site for customers to log in to their accounts. Only actual lenders have actual customers, so the matching services will not have this.

Once you have a few websites, just open up each on in a different browser tab (ctrl+T opens a new tab in most browsers). Now you’ll have to browse around each site to find the section that shows what they charge in each state. There will normally be a chart of some sort that shows you how much you’ll pay based on loan amount and length of time. Finding this on each website will allow you to compare what they’re charging side by side. There is not an easier way to find a low cost payday loan than this!

Another thing to look for when you’re checking out different lender websites is discounts for first time borrowers. This is more common than you probably think. Payday Max will almost always do 50% off the interest for new customers. They do this as a way to draw in new customers on the thinking that you’ll come back and borrow again. Use the loan one and don’t go back to take advantage of their generous marketing tactics!

Just remember that even the best payday loan is risky. Failure to pay it back is going to screw you in a big way. Even something as simple as an extension is going to cost you a ton of money. Get the loan, pay it back, then move your life forward. The last thing you want to do is rely on payday loans as a source of income. Doing so will cause more debt than you’re going to be able to pay back!

Cheapest Places to Live in the World

Admin — Thu, 16 Sep 2010 22:27:12 +0000

It’s amazing how many people will choose to live poorly and sometimes even live in poverty but never take the time to determine if they could have a better life by finding a cheaper place to live.

With extreme changes affecting our cities, states and even our country many attitudes are changing and many people are beginning to ask, ‘Where are the Cheapest Places to Live?’ For some it means a move across town can bring a better life for others who have resources and opportunities in may involve a move across country or even across an ocean. After all the concept of being an expatriate was at one time left for jet setters looking to live an exotic lifestyle but today people and particularly retirees are willing to move abroad in search of cheaper places to live and a higher quality of life that goes along with it.

Each year publications like Forbes and International Living Magazine dedicate entire issues to exploring the cheapest places to live in the world. Directories and indices list ‘The Best Places in the World to Retire’ – the ‘Cheapest Cities in the World to Live in’. Just today I was reading in the Financial Post about some of the most expensive places to live and their counter parts – the cheapest places to live in the world. They referred to a new USB study which was just released which put Oslo, Zurich and geneva at the top of the list as the least affordable cities. While Bucharest, Manila and Mumbai were noted to be the cheapest cities on the planet.

Another interesting resource is the annual list of the best places to retire. Now, many people would read that and think, ‘oh, the best places to retire? They must be expensive!’ But, the opposite is true. Because retirees live on a limited and fixed income living cheaply is of primary concern. So, the places listed are often also some of the cheapest places you could live. there is a down side though. The other thing retirees don’t care about is work. So often these retirement meccas have very poor work opportunities - that’s what makes them so cheap!

Sometimes the quickest way to Fast Cash is by saving the money you do have. So, if you’re one of those many, many people who has been negatively effected by this economy you may want to consider looking outside and exploring your options for a cheaper place to live.

How To Find Easy Payday Loans Online

theempire — Sun, 05 Sep 2010 02:07:02 +0000

Before we get into any details, I want to say that in order to find an easy payday loan online you have to go directly to the lender. Many websites will make it sound like they’re doing you a favor by shopping your loan out to different lenders, but the fact that you have no idea who may end up lending you money is going to cause problems down the line. You may end up getting shopped out to shady companies that are going to cause a serious headache later on.

Now that I got that off of my chest, lets get into the real details!

The key to streamlining the process even further is to understand what you’re getting into and what paperwork you need. If you are sure that you can meet all of the qualifications and have the check stubs to back everything up, getting a loan is going to be extremely easy. While there are no such thing as guaranteed payday loans, it’s not hard to meet these requirements and make sure that someone is going to qualify you.

How much money do you need? Having a precise dollar amount will make this even easier because you can easily turn down a lender that does not offer you enough money, instead of scrambling to find it later on. Most lenders will give you as much as 25% of your total monthly gross income (income before taxes), so use that to figure out if you are able to qualify for enough to cover whatever you need it for.

So what makes getting your loan online different? It’s easier from the start because you don’t have to leave your house, and almost all lenders don’t require that you fax them any paperwork. The no faxing payday loan is now the norm, so even if you live in the middle of nowhere, you can get a loan.

Shopping around is also easier online, and will help you find low interest payday loans. When you’re dealing directly with the lender, you’re going to be able to see exactly what their rates are for the amount of money you are borrowing, which allows you to compare one lender to the next with ease. While you’re doing this, you can also look around their websites to see if they are offering any sort of first time borrower specials. Many lenders do this, and sometimes you are able to get a loan with no interest at all!

Easy payday loans are one of the best ways to get fast cash, but they come with great responsibility. It only takes one mistake to turn something so easy into a complete nightmare. Missing a payment, or only making the interest payment, will make the total cost your loan explode and become nearly impossible to pay back. Get your loan, pay it back, and never return! This is the only way to make sure that you stay completely out of trouble with payday loans!

The Facts About Online Title Loans

theempire — Fri, 20 Aug 2010 16:55:27 +0000

There’s nothing worse than needing funds in a hurry and not being able to get them. However, there are many solutions that may be available to remedy this kind of situation. Whether the consumer needs to borrow the money for a week or for a month, there are programs that may be able to help. Online car title loans are among the numerous payday type lending services that can help the person get the funds they need almost immediately.

What is an Online Title Loan?

This method of fast cash is secured by a title, usually a vehicle title. It serves as a form of collateral when obtaining funds. If for some reason the consumer defaults on the loan, the lender has the option of taking the car and/or taking the individual to court for reimbursement. Despite negative reviews of such services in the media, this can provide a solution to immediate financial troubles. Those that borrow responsibly need not worry about losing their private property. There is no credit check involved, so this is another one of the many guaranteed bad credit loans.

Who Can Get One?

If you have an automobile, you may be able to get this fast loan. However, there are some restrictions that may apply. Some lenders may require that the title be free and clear. This means that they are no liens from banks, lending institutions or any others. In many cases, you may also have to show proof of insurance and some agencies may prefer that you have full coverage. This will vary by the independent lending institution.

How Much Can I Borrow?

The amount one can borrow will depend on different factors. Income may be considered but this alone is not the determining factor. The worth of the car may play a critical role. One cannot borrow more than the determined value of the vehicle. Typically, the consumer can borrow anywhere from 25 to 50% of the estimated value.

How Long Will I Have To Repay the Loan?

This will vary by the lender. In some cases, the loan will need to be repaid when you receive your paycheck. Others may allow thirty days or more. If for some reason you can’t pay on time, some will even extend this period.

There are other types of fast personal loans, but not many will get you as much money as a title loan. So when you need cash till payday, consider these as a good way to get it!

Is It Possible To Find Loans For Unemployed People?

theempire — Sat, 14 Aug 2010 20:51:17 +0000

When trying to find loans for unemployed people, it’s easy to be stressed to the max. No one wants to work with you, and it seems like it’s impossible to get the money that you need. I’m not going to tell you that there’s a clear cut path to getting the fast cash that you need, but there are some things that you can do. Since an easy payday loan is not so easy when you don’t have a job, I’ll also throw in some ideas at the end of this post that can help you get cash without a loan.

If you have no source of income at all, you’re probably not going to get approved for a loan. I hate to break it to you. There are some no Teletrack payday loans that aren’t going to verify your info, but these are becoming more and more rare every day. Think about it, would you lend money to a friend if you knew that they didn’t have a shot in hell of paying you back? Probably not.

If you have some sort of recurring benefits coming your way, you may be able to get approved. This probably means unemployment, but may also include Social Security, disability, and others. The problem is that you’re not going to be able to apply directly though any lender’s website, you’re going to have to call or email them to see if they’re willing to work with you. Not all lenders are going to, so be patient.

Another way is to do your loan search locally. Finding a fast loan in your area is pretty easy to do with a phone book and your cell phone. Call around to the local lenders and see if they are willing to help you out. You may be able to convince someone to help you out on the phone better than you could via email.

Cash Without A Loan

Rather than rehashing info that’s already on this site, I’ll give you some links that can help you out.

The Pawn Shop can help you sell your stuff very quickly for cash.
Fast cash jobs are out there, and are pretty dang easy to get, or check out this post on easy money jobs.
And finally, here is a post full of lots of fast cash ideas.

I guess the advantage of not having a job is that you have plenty of spare time to figure out creative ways to make money. Use this to your benefit, and get the money that you need, job or no job!