<>When you receive a raise, it's tempting to spend more money on things and experiences that make you happy. However, the "hedonic treadmill" theory suggests that even though an income boost can make us feel like we've earned an uptick in spending, our newfound windfall will eventually leave us as unsatisfied as we were prior to the raise because our needs don't disappear – they just get grander. Savvy savers know to avoid lifestyle inflation during periods of income growth and invest in themselves instead. This can mean upping retirement contributions or diverting the difference into a savings account, emergency fund or toward some other financial goal.
<>APR Disclosure. Some states have laws limiting the APR that a lender can charge you. APRs range from widely and can be from 200% to 1386%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.
<>Line of Credit: Available at Allied Cash Advance locations in Virginia only. Approval depends upon meeting legal, regulatory and underwriting requirements. Allied Cash Advance may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Allied Cash Advance or third party lenders may take that into consideration in the approval process. Credit limits range from $250 to $1500. After your line of credit is set up, you have the option to draw any amount greater than $100, in increments of $5 up to the credit limit, as long as: you make your scheduled payments; and your outstanding balance does not exceed your approved credit limit. Minimum payments are calculated based on the outstanding balance owed, plus applicable fees and interest. As long as you continue to make on-time and complete payments, you will remain in good standing and be able to continue using your line of credit account.
<>The Washington State Department of Financial Institutions (DFI) warns consumers to verify that any lender with which they consider doing business holds a Washington State license for providing consumer loan services. Consumers are urged to verify licensing status prior to giving the lender nonpublic personal information, such as social security number and checking account access.
<>Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being approved by a service provider or lender, being offered a loan product with satisfactory rates of terms, nor receiving a loan from a service provider or lender. The lender you are approved by may not offer the best possible terms and borrowers should always compare all available options before making any decisions.
<>1Maximum loan amount is $400 for first-time loan customers.Please note: This is an expensive form of borrowing. Cash Advance Now loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses.
<>I received the same type of call this morning then coming here and reading this I feel much much better, They scare the bageebers out of me! But anyway I have the guys number that called me it is 954-745-9017 His name is austin and he is Indian or Pakistani couldn't really tell. But, he sounded so official and he had all my info. SS# Work# Where I live. He even had a case number for me. WOW! Just Wow! So, I was thinking we should all start calling them relentlessly morning noon and night.
<>I was told I was approved for a $6000 loan. I had to go buy $147 in iTunes gift cards. I had to give them the number of the back of the cards. Which they redeemed after I gave the cards. Then they wanted me to send them $387 to finish my part saying that this will prove that I could pay the loan back, this was my verification process. Cash Advance USA, Dallas Texas ripped me off for $150. Something needs to be done to these con artists.
<>They contacted me today. Said his name was Michael Ray @ 717-612+4596(which is not a working #) the number they called from 717-724-0000 has been disconnected. He stated I was being sued for no payment on the loan that was deposited in my acct in Sept for $400. While on the phone I got online to check my acct. no funds ever. I had checked into some, but never followed thru. When I told him that he said in his accent that he would have to call me back. I said I would stay on the line. He said he was going to lunch and that he would call me later. I then said I wanted to speak to his manager. He stated he did not have one, I said so you answer to know one?? he got rude and said he would call me back. I asked for the phone number and proof in writing for this supposed loan. He said since it was done online, it was not needed. I then asked for Cash Advances phone # he said I would have to go on their website and get it.
<>I was just contact by "Attorney Damon Marshall" He originally left a voice mail on my cell advising that I have criminal charges that were filed against me and the Police would be arriving to my home within the hour to arrest me. I called him immediately, He advised that I took out a payday loan. I inquired about the amount. He told me that he does not work for the collection agency and he does not know how much. I said well how much does it say I owe. He said after all taxes fees and surcharges i owed $700+ I told him that he had to be kidding. I have NEVER taken out a payday loan before in my life. This man had so much of my information that it was a very scary situation. He told me that he would place me on hold to see if the court would settle. As I am on hold with him I begin to Google the phone number as well as "Cash Advance USA" up pops SCAM... I was reading aloud and I dont think he was on the other line but he heard me and became very defensive. Mr. Marshall called me soooo many derogatory name and I could not believe it. Then he hung up in my face. Everyone please beware that this is a complete scam!!!! 
<>In another case, the consumer reported that the caller threatened to seize the consumer’s bank account and serve the consumer with legal papers at his workplace unless he paid the debt. Another consumer reported being threatened with arrest. In one case, a consumer reported the debt collector threatened that he could have an arrest warrant issued if the consumer did not immediately pay him with a credit card. In other cases, consumers report the debt collector demanded payment using a pre-paid card.
<>Many experts suggest that you contribute 10 percent to 15 percent of your income to a retirement plan. While that's not always realistic, successful savers know to contribute at least what their company will match. If your employer offers to match 3 percent of your income toward retirement savings, you should match that or risk leaving money on the table. Additionally, because contributions to your 401(k) are tax-free, contributing will reduce your overall taxable income. If your employer does not offer a retirement benefit or you're self-employed, consider a traditional IRA or Roth IRA. Research these options and chat with a financial planner about the best plan for you, your budget and your business.
<>California Residents: Flurish Inc. dba LendUp is licensed by the Department of Business Oversight, pursuant to the California Deferred Deposit Transaction Law, license #1004393, and the California Financing Law, license #6054610. LendUp loans made under the authority of its CFL license are made pursuant to the California Financing Law. LendUp credit cards are not offered under any license regulated by the California Department of Business Oversight.
<>Had pulled out a few online loans that I was in the process of paying down and I received a phone call similar to those listed. A man with an Indian accent left me a message I could not understand but a few words, one of which being lawyer. Stated the same previously stated, that they had tried to pull money via an electronic check and that instead of trying to fight for the money, they closed the account and filed it as a loss. They were in turn deciding to file a lawsuit against me and an affidavit has been filed against me and I had to appear in court. The affidavit had been filed in my local state and I should have been contacted by the sheriff last week. I had not been and had gotten no other notices about this. In my pure panic I didn't ask all the questions I should have the first time around. I got on the phone and started calling courthouses here in Colorado Springs to try and find out when the court date was. Come to find there were no court dates. Was taking the court date seriously because I had missed a court date here for a traffic case and they arrested me and I spent the say in jail. Not a fun day. So, I decided to call the number back and the guy was very unprofessional which raised my suspicions. I started to ask the questions I should have asked the first time around. I asked what company it was, his reply being "Cash Advance USA". I looked back through my papers and that was not the company I had gone through. So then I asked, ok, do you have a case number and a court date? He said, yes, you are to appear in court today at 5:00 pm. I said, wow, ok, where at. He replied San Francisco court. I was like, ok, how does this make sense, you said that the case has been filed in my local state, and I've received no communications about this prior to today and you're telling me you don't have a case number and that I have to appear in San Francisco today. Really? He made some smug remarks and then it got quiet.... and he hung up on me. Thank God for this site and coming across these reports cause I was freaking out. They didn't tell me any information that was personal, account numbers, social or anything like that, but I am still all the same very concerned. The number they called on was 1-213-261-5794. They didn't tell me any amounts that I owed and he did also give me the same, do not interrupt me, you can ask questions after I am done. Anyway, hopefully others don't fall prey to these guys.
<>I received the same type of call this morning then coming here and reading this I feel much much better, They scare the bageebers out of me! But anyway I have the guys number that called me it is 954-745-9017 His name is austin and he is Indian or Pakistani couldn't really tell. But, he sounded so official and he had all my info. SS# Work# Where I live. He even had a case number for me. WOW! Just Wow! So, I was thinking we should all start calling them relentlessly morning noon and night.
<>Washington State residents only: If you are a victim of a collection scam or if you suspect illegal or fraudulent activity involving a financial product or service, please contact the Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov. You may also wish to contact the state of Washington Office of the Attorney General at www.atg.wa.gov.
<>If these a*s holes can't get you at home   or on your cell phone, they will continue calling you at work.  They will be from India, Nigeria, etc., using AMERICAN names and we all know they don't have American names.  Part of the time, there is that accent, you will NEVER be able to understand.  We have NEVER had a LOAN with this place and have even called them, they did research and told us NO, but it just seem to stop these scammers.  Just tell your job if they call your job that you no longer work there.  NEVER talk to this trash, ok?
<>Editorial Note: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however all credit card information is presented without warranty. After you click on an offer you will be directed to the credit card issuer’s web site where you can review the terms and conditions for your offer.
<>Another consumer reported that an individual claiming to be Morris Anderson, representing Anderson Loan Assistance, contacted the consumer attempting to collect a debt allegedly owed to Cash Advance USA. The individual contacted the consumer through email and phone calls, and allegedly threatened legal action for a loan the consumer states was not received. The consumer reported being provided with an alleged account number and payoff amount.
<>NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.
<>I was just contact by "Attorney Damon Marshall" He originally left a voice mail on my cell advising that I have criminal charges that were filed against me and the Police would be arriving to my home within the hour to arrest me. I called him immediately, He advised that I took out a payday loan. I inquired about the amount. He told me that he does not work for the collection agency and he does not know how much. I said well how much does it say I owe. He said after all taxes fees and surcharges i owed $700+ I told him that he had to be kidding. I have NEVER taken out a payday loan before in my life. This man had so much of my information that it was a very scary situation. He told me that he would place me on hold to see if the court would settle. As I am on hold with him I begin to Google the phone number as well as "Cash Advance USA" up pops SCAM... I was reading aloud and I dont think he was on the other line but he heard me and became very defensive. Mr. Marshall called me soooo many derogatory name and I could not believe it. Then he hung up in my face. Everyone please beware that this is a complete scam!!!! 
<>When you deal with an online cash advance provider, the entire process is handled via the internet. That means you don't have to go into a physical location or fill out lengthy paper forms. Instead, you complete the application online, are informed of your approval status online or via email and receive your funds via an electronic transfer to your bank account.
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