Payday Loan Center – Open Loans California., Inc (OpenLoansCA)

Payday loan center (OpenLoansCA) is a proven leader when it comes to providing fast payday loans in California. When you apply and get approved for a payday loan from us, you can have your funds in under 24 hours in most cases.

The application process is very simple. We request that you fill out a short form indicating your name, address, telephone number, social security number, date of birth, place of employment or source of income and information about your checking account. We require that you are employed so you have the money to pay us back and we ask for a checking account to deposit your funds into and withdraw our loan proceeds from when they come due on the date of your next paycheck.
OpenLoansCA cash
Other than those two basic requirements, we just ask that you be at least 18 years old and a legal citizen of the United States. Some form of photo identification will be required, such as a driver’s license or state issued ID card. If you are applying online, we will make use of Internet databases where we can verify your information.
We do not require that you have a good credit rating to be approved for our payday loans, and we will not even request a credit report. You also do not need to leave us with any valuable piece of property. We secure your payday loan strictly from the wages you earn at your job. Our payday loan center serves as a valuable financial alternative to people who are often turned down for loans from traditional banks due to circumstances that may be beyond their control.

We disclose our interest rates on your original loan documentation. There are many factors that go into determining your rate, including how much you are borrowing, whether you have borrowed from us before and how long it will be until your next payday when you repay the loan. These same factors help us to determine how much of a loan you are eligible to receive.

There are times in life when you are not prepared to meet sudden financial challenges that stand in your path and it can make you feel disappointed in your life. You do have a solution to the problem of not having enough money in your checking account to meet those unexpected expenses. Our company is in the business of helping people receive the money they need without a credit check or having to resort to faxing even one document to a lender. We can do it by: Giving us the financial information we need through our secure website. All you have to do is click “Submit” to set your application in motion. It only takes a matter of minutes for one of our representatives to determine that you meet the requirements for a payday loan.

After you have been approved, we send you an email informing you of that fact along with your new loan’s terms. You can give us a call at any time if you have questions about the terms of the loan. If you don’t like the terms, you are not obligated to take the loan. The email will give you instructions on how you can continue with the loan process if you decide that you would like to receive the loan. By following those instructions, you should receive the money in your bank account the next day.
The following are the requirements you must meet in order to be approved:

1.Your monthly income must amount to at least $1,000,
2.Possess a checking or savings account that can be verified and set up to receive a direct deposit,
3.Have proof of employment,
4.Be at least 18 years old and a United States citizen.

You must be in a position to be able to re-pay the loan you receive. But any time that you believe that you will need extra time to do so, you can notify one of our loan officers to help you.

Learn more here:
Payday Loans – OpenLoansCA
Installment Loans – OpenLoansCA
Personal Loans – OpenLoansCA
Check Cashing – OpenLoansCA

Deciding When to Use Home Equity

Deciding When to Use Home EquityThere has been a lot of talk in recent years about using home equity to finance loans and lines of credit. This shouldn’t come as a surprise, since home equity has both a high value (provided the homeowner has been making payments on their home for long enough) and is easy for lenders to work with since the lien created by a home equity loan is based upon a piece of real estate. These two factors are what enable a number of lenders to offer better interest rates on home equity loans than they might be able to on other types of loans to the same individuals.

Home equity loans aren’t always the best option, however. You should carefully consider the ramifications before taking out a home equity loan… after all, it’s your house that you’re putting on the line if you aren’t able to repay the loan. This doesn’t mean that you shouldn’t apply for a home equity loan, however; instead, simply take a little time to learn more about home equity lending and use this information to help you to decide whether a home equity loan is right for you.

What Equity Is

Many people aren’t even completely sure what equity is, much less how it’s used as collateral for a loan or a line of credit. Basically, equity is the amount of money that you’ve invested into your house by making your mortgage payments. It’s the percentage of the house that you “own”, and is a representation of how much money has been paid against the total amount owed.

How Home Equity Loans Work

When you apply for a home equity loan, you take out an additional lien against your house or other real estate. This means that you have another claim against your property by a lender, and that if you are unable to repay your debts then the value of your house or real estate will be used to pay off the original mortgage and then the remainder will go toward your secondary lien. Obviously, borrowing against the equity in your house or another piece of real estate reduces the amount of equity in the property… meaning that you have to begin building up your equity all over again.

Home Equity Lines of Credit

Slightly different from a home equity loan is the home equity line of credit. These credit lines work just like credit cards issued by any bank, but they use the equity in your home or real estate as security to guarantee that you’ll repay whatever you charge to the credit line. These lines of credit are a popular alternative to some home equity loans, especially those that would be used from some home improvement projects or multiple purchases or payments.

Home Equity Loan Recommendations

When trying to decide whether or not to use your home equity to secure a loan or line of credit, you should stop and ask yourself if there are other options available. Do you really need the loan or line of credit? Is there any other potential collateral that could be used as security instead of your equity? Will the payments for the new loan be manageable with any other debts that you might have?

By taking the time to consider your alternatives you might find that it’s much easier to make the decision of whether you should use your equity as collateral. The most important thing is to make sure that you can afford to repay what you borrow, since you’re putting a lot up for your collateral.

I just got a ton of Xmas gift stuff for my kids

plus a Xmas outfit for less than 50 bucks. My daughter wanted furniture for her doll and I found things that I can paint or modify slightly and it will work. Buying what she wanted brand new would have been several hundred dollars. It feels so good to be able to get these alternatives.

I also found her a refurbished kindle for only 129. Full price for this model is 300.

I cannot believe how much money I wasted I the past by buying new.

We are going to be able to have a great Xmas this year and not overspend the funds from our Xmas account. It feels really good.

We received an ironic notice from EDD yesterday

For those of you who don’t know, California “upgraded” its EDD payment processing system on September 1. It didn’t work any better than the Obamacare exchange, consequently, all Californian’s on unemployment did not get a benefits check until about September 23. By October 15, 20% still had not seen a benefits check since August 23 (we were in that group.) By October 23, they had ‘caught everyone up’ through benefits to the end of September. BTW, we have exhausted our state unemployment with that Oct 23 payout. Fun times.

Here’s the ironic miracle. Federal unemployment was impacted by the sequestration. If you started Tier 1 between April 23 and September 22, your unemployment drops 17.69%. If you start Tier 1 September 23 or after, you are at normal (what you got from State.)

Due to the start/stop of DH working for that company 3 weeks, and the CA software brouhaha, guess when we are counted as starting Tier 1? September 29th. So we still get the same amount as when we were on state, rather than nearly a $90 a week drop. $360 a month would have been a lot to try and make up. So I am grateful for small miracles.

So here’s my question. My odds and ends are keeping us afloat bill payment wise (particularly since DH’s unemployment which covers most of rent has kicked back in.) My O&E money doesn’t quite jive with when cc bills are due, example, I missed the WalMart due date by 1 day, so it got skipped this month. (I’m going to get the $25 late fee tacked on anyway, so I might as well let that payment go towards not being late somewhere else.)

It got me thinking. After 4 walls and car stuff (payment, insurance), should I just start saving up and paying things off? I have a few CCs whose balances are like in the $200-400 range. Rather than make minimums, am I better off skipping a month and just paying 1 off entirely? I know I would rack up, say, $100 in late fees in a month (6 cc x $20ish), but by the time I got to month 4 or so, that would be negligible, and I would be almost entirely out of debt except for 1 CC and the car loan.

Thoughts?

We all expect our kids to say or do cute things when they are little

After all Art Linkletter said it best “kids say the darndest things.” Yes, Art had the show first for you younger kiddos.
But every so often my adult children still have me rolling on the floor in laughter. Today was one of those days. I’ve not been online for a couple of days due to storms and internet issues so I was running behind on all posts and especially facebook. So I caught about 3 days of their posts all at once and I was soon laughing so hard I had tears running down my face.
DD started it off talking about how she loved Halloween so much as a child because we always had great costumes for her (thanks Sammi) and then went on to now she has nothing to wear because she dresses so outlandishly every day. The way she worded it had me in fits of giggles, but to others it wouldn’t be as funny I’m certain.
So my multi-colored hair daughter who may show up to work in anything from Steampunk to medieval clothing regrets she can’t dress up for Halloween now. And before you ask, her dressing outlandishly at work is the norm for several of the employees so her career is not in danger.
Not to be outdone ds is “bemoaning” the “Smurf blue” outfit he’ll be wearing the next several weeks as he does walk downs at a gas plant. He went into a whole routine about being Papa Smurf, and then thinking he was going to have to shave off five pounds of his unruly red beard, then relief for all responding friends when he found out he doesn’t have to, but that he will have to be prepared to shave at any time “just in case.”
This lead to him saying he was going to have to carry Barbasol and a razor on a tool belt as he mapped and measured and wondered if he’d need a concealed carry license to do that. It disintegrated from there to the point I could hardly see from laughing so hard.
I’ve decided both my kids are certifiable and I love them for being that way.

9.3% is good … but not 12%

In my early years of investing I also did not hold bonds in my portfolio because I had time on my side. Now that I am about 8 years from retirement I cannot afford the risk of having 100% of my portfolio in stock mutual funds.
Yes, bond FUNDS will lose principle value as interest rates increase but individual bonds held to maturity do not experience this loss in principle.
So, a portfolio asset allocation for someone that is nearing retirement should look different than that of someone that has 25-30 years before retirement. My point is, be careful, asset allocation is a function of time.

I think that article is completely accurate

Fred is very very good at helping people get out of debt, but his seven-step plan is deliberately oversimplified. Anyone who gets to the point of having significant money to invest would be well served by seeing a financial advisor and thinking about a more sophisticated analysis.

That said, I’ve got money in my 401k in bonds from times past, but I’m not adding any bonds at the moment, because it really is a bad time to buy them. And when I found myself saying “growth-stock mutual funds” to my 83-year-old mother, I took a step back and said that with her aversion to risk and possibly short time frame she was better off staying out of it.