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$$$ For Immediate Credit, Choose An Instant Approval Credit Card

There are times when you simply cannot wait the week or more it can take to establish credit and to get a hold of your new credit card. Even with fast approval, it can still take seven to ten days before a nondescript envelope arrives in your mailbox with your new credit card inside. Fortunately, an instant approval credit card could be one way to speed up the process. By applying today you could get immediate approval and have access to your credit line on the spot.

Life's little and big emergencies often require that you have cash on hand or at least enough credit to give the contractor who is to fix your leaking roof the peace of mind that you have the funds available to pay for the job. It could take days for the insurance adjuster to arrive and process your claim, even longer if you live in an area where most of the homes were damaged by a hurricane, tornado, etc. You lined up a contractor but he wants a down payment now, but you are short on funds. What can you do? Apply for an instant approval credit card!

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We live in a society where many decisions must be made almost immediately. Creditors know this and have developed a way for you to apply for a credit card online and receive approval within one or two minutes. This method is accomplished quickly because computers do much of the legwork by pulling up your FICO score to measure your creditworthiness. The higher your score, the more likely you'll be rapidly approved.

One thing to note is that not every "instant approval" credit card will allow you to access your credit line right away. If there is a "flag" in your credit file, you'll be conditionally approved until a human worker can access your credit reports for further information. You may still receive conditional approval, but it could take a few more days for a professional to review your information and to approve your new credit card.

If you do receive instant approval for your credit card application then you could be granted limited access to your credit line until the actual credit card arrives in the mail. This may be all that your contractor needs to know before beginning repairs. Once the credit card is in your possession you'll then have full access to the line of credit determined by the credit card company.

Instant approval credit cards can ease your burdens and strengthen your hand in a difficult situation. Find the Discover, MasterCard, Visa, or American Express card that fits your needs and put your worries behind you.

(c) 2006; You may republish this article to your website with the following author resource information and link left in place.

For Immediate Credit, Choose An Instant Approval Credit Card

$$$ 90 Day Payday Advance - Quick Cash Loan

Need some quick cash? Don't have enough time to go the bank and apply for a regular loan because the process is too time consuming? We have a solution. Now you can obtain instant cash by applying for 90 day payday advance. From your experience, you know that debts and emergency bills are like uninvited guests. But with this payday loan you can get a small amount of cash up to ,500, to bid goodbye to these 'uninvited guests'. When conventional loans don't work for you, try 90 day cash advance and get instant money.

Where Do I Search For This Loan

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From the Internet, you will find numerous lending companies and their websites where you can apply for 90 day payday advance. You can get a small loan of 0 to ,500 from many of the top lending companies. You need to spend only 5 minutes to complete the application form. Once you submit your application, you will receive an email from the lending company informing you about the loan approval and the cash will be automatically deposited into your bank account. You can expect the money deposit into your account within the same day.

What Do I Need To Do For Repayment?

90 day cash advance has flexible payment option. Repayment of 90 day faxless payday loan is easy. With automatic withdrawal mode, you don't have to be even concerned about the payment of your payday loan. When your next payday arrives, the payday loan amount will be automatically withdrawn from your checking account. Some nominal fees are charged for automatic deposit and withdrawal process. But this time saving and hassle free process is worth that nominal fee. Another plus point of this short-term loan is that you can choose to pay the loan in full or in part on your next payday depending on your circumstances and preference. If you have trouble in making the full payment at one go, then you can opt for partial payment by extending the loan term up to your next payday.

You can choose to extend your loan term by renewing your payday loan contract with the concerned lending company. But for this extended term, you have to pay an extra charge. Since the payday loan rate is higher than in the case of the regular loans; most people try to make the full repayment on their payday. When you are unable to make the full payment at one go, you can opt for part payments. There is no doubt that 90 day payday advance is the most convenient option when you need some extra cash in the middle of the month. Be sure you check that you fulfill their eligibility criteria before you apply for one.

90 Day Payday Advance - Quick Cash Loan

Borrow Up to $3000 With a High Risk Guaranteed Personal Loan Now

$$$ Borrow Up to 00 With a High Risk Guaranteed Personal Loan Now

Bad credit borrowers are seen as a high risk to potential lenders, and it seems its harder than ever to borrow the money that you need without sparkling credit. Do not worry, there is a loan product that is custom made for those high risk bad credit borrowers like yourself , the guaranteed high risk personal loan, commonly known as a payday advance loan or simply payday loan.

Borrow Up To 00 Now

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A guaranteed high risk personal loan can be had in amounts up to 00 by borrowers just like you , honest, hardworking people who have made a few mistakes or had a few financial troubles in the past. You may need to borrow fast cash from a guaranteed high risk personal loan for many reasons including unexpected expenses like expensive car repairs, or replacing a broken appliance. If you are one of the thousands of uninsured individuals living in this country, maybe you have unplanned medical or dental expenses that cannot wait until payday. Whatever reason or purpose you may have , you more than likely qualify for a guaranteed high risk personal loan, and you can borrow up to 00 today.

Very Simple Application Process

The way a guaranteed high risk personal loan works is very simple. You present your lender with a post dated check in the amount that you wish to borrow, plus fees and interest. The lender holds your post dated check for a period of time that you both agree upon , usually your next payday, which may be up to a month away. The lender will then deposit the check into your checking account for reimbursement. It is that simple.

Everyone Qualifies, Get Your Money Today

Nearly one-hundred percent of all borrowers qualify for the guaranteed high risk personal loan. The only requirements to receive your fast cash is that you have a steady income from a job or other means and an active checking account that has been open for at least thirty days and is not overdrawn. Even those whose income is derived from Social Security Disability, Social Security Retirement, Supplemental Social Security, and child support payments qualify to receive the guaranteed high risk personal loan. The borrowers just need to provide the lender with proof of income in a statement from the agency who issues their benefits.

Other documentation that you might be required to present to receive the guaranteed high risk personal loan is a valid driver license card or other picture identification card, social security card, bank statements, and current paystubs from your employer. You may be asked for several personal references who can contact you if the lender cannot reach you at your home or work number.

The most convenient way to receive your guaranteed high risk personal loan is to apply with an online lender. Most of the paperwork and documentation required can be submitted via fax or scanned email, and you can have your money deposited into your checking account within minutes of approval, all from the comfort of your home.

Borrow Up to 00 With a High Risk Guaranteed Personal Loan Now

$$$ Payday Cash Advance - Can I Be Arrested For Default on Payday Loan?

If you a frequenter of payday loans, you've probably pondered this question: can I be arrested for default on payday loan? The simple answer, no. There is no law that allows you to be arrested for not paying off payday loan debt. In fact, according to the Fair Debt Collections Practices Act (FDCPA), it is ILLEGAL for a lending institution to threaten a person with the possibility of being arrested for non-payment of a debt.

No matter how many threats you receive about being arrested or charged with a crime, it's not going to happen, period. If a person could be arrested for defaulting on a payday loan, the court systems would be twice, if not 3 times, as jam packed as they are now. Luckily though, that is not the case, so stop worrying about being arrested for defaulting on a payday loan!

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Unfortunately, that is but one worry out of the way; there are many others lining up the longer you continue to avoid repayment on your payday loan.

What type of worries are there? Well, the rapid increase of fees & penalties for one. The longer it takes for you to pay off the debt, the more fees and interest that will accrue. These additional fees and interest are going to increase as time goes on, making it exponentially more difficult to pay off the payday cash advance loan.

Aside from the additional fees, there is also the matter of your credit score, which will begin steadily declining as the cash advance loan remains unpaid. The larger the loan and the longer the debt remains, the harder the hit will be to your credit rating. If the cycle continues and you are continually late with your payday loan payments (or if you don't pay them at all), your credit score will be in the toilet within just a few months time.

Payday Cash Advance - Can I Be Arrested For Default on Payday Loan?

$$$ Are Payday Loans a Good Idea or a Bad Idea?

Are Payday Loans ever helpful, or are they always going to make your life far worse?

These days it seems like there are more and more companies offering payday loans. At first glance it seems like a helpful solution to a short-term problem that many people may face at one time or another. Yet is it as helpful as it seems? Is there more to the story than first meets the eye? We took a look at payday loans to see just how helpful or not they actually might be. The resulting information may surprise you.

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Payday loans, rather than being helpful, might be the worst decision you could make. The fees and penalties and interest charges on these loans are so bad that a growing number of consumers are filing complaints with government agencies and consumer protection groups. Why is it such a problem for so many people? Take a look at the fine print in the agreements and you'll see where these loans can cost you far more than they are worth.

High Fees: There are so many fees that some borrowers eventually pay more money in fees than the original amount of the loan. For example, someone borrows 0 but ends up paying 0 in fees alone, on top of the repayment of the 0. That is like paying 100% interest, just like a criminal loan shark would try to take from people. Beware of the many high fees that add up fast in this kind of loan.

Deceptive Advertising: Payday loans are advertised as being easy, convenient and helpful. In reality these ads can be very deceptive. Instead of being helpful these loans can get a person into a deep hole they may never be able to dig out of. Although the interest rates may be "legal" at this point in time, that does not make the business practices ethical. The Federal Trade Commission (FTC) regulates unfair trade practices and deceptive advertising. The FTC has been receiving a lot of complaints against payday loan companies and it would not be surprising to see them step in soon to protect consumers from this deceptive scheme.

Not Regulated: The industry is not well regulated but that is going to change, at least in California. Hopefully other states will follow suit. Recently Democrat Senator Don Perata of Oakland introduced Senate Bill 834. This bill was also sponsored by the AARP, Consumer Action and the Consumers Union among other parties. This bill is designed to help regulate payday lenders and to protect financially-strapped consumers from being pushed deeper into trouble. Payday loans can be the worst thing to happen to a family that is having financial problems. Those incredibly costly loans can make matters much, much worse and should be avoided if at all possible. Payday loans are a bad idea.

Are Payday Loans a Good Idea or a Bad Idea?

How to Get a Fast Small Loan of $5000 Overnight

$$$ How to Get a Fast Small Loan of 00 Overnight

One of the leading reasons why availing cash is hard is that not too many lenders would easily trust any borrower. Sometimes there are situations that call for urgent cash and getting the money could be quite hard. Situations such as sudden business loss or an emergency in the family would call for sudden need for cold cash.

Cash is a hard-earned commodity and lending it to someone even if they promise interest is not a surefire way of saying that the lender's money would really be returned. And since so much distrust surrounds financial matters, lending institutions have come up with a way to establish the trustworthiness of their borrowers-through credit investigation.

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Personal Loans of Up to 00

When you are in dire need of cash yet you have a tarnished credit reputation or a very low credit score, the best way to go is to look for payday loan lenders who are willing to provide quick, overnight personal loans ranging from 0-5000. There are many Payday loan lenders online and all you have to do is to choose well before finally settling with a specific lender.

The approval of a personal loan is done fast over the internet and as any person with a bad credit reputation would want, these institutions do not require credit or background checks. They also do not ask for any forms of collateral.

All that an applicant has to do is to fill out an application form online with necessary details such as name, residential proof, mobile or home phone number, type of business (if you have one), current account number (this account must at least be six months old), and the monthly salary (most of them require that monthly salary starts at ,000). Also, those who apply must be 18 years or older.

Once the loan applicant satisfies all of these requirements and have completely submitted all the necessary information, the loan would be deposited to his account within just a few hours. You can then withdraw the money in your bank. The interest rate all depends on their published APR, but usually this kind of loan have a higher rate of interest and can reach 1,845%.

Great News to Borrowers

There are instances when a borrower might not be able to repay this personal loan within the maturity date which is the next payday. In this case, online lending companies that offer overnight approval of loans also have the power to extend the said loan. All you have to do is contact them and make the necessary renewal. However, bear in mind the interest charges.

If you are thinking that you cannot borrow from these online companies all because you have declared bankruptcy or have a long list of default arrears, think again. Payday loans of up to ,000 could still be made available to you. Again, the necessary step is to provide all the correct information on the online application form and you can be positive as long as you have a regular and verifiable monthly income.

How to Get a Fast Small Loan of 00 Overnight

$$$ How Many Payday Loans Can I Have at One Time?

The amount of payday loans you can have at any one time depends on each lender. However, most states and lenders will not allow more than two at one time. There are several reasons for this and most importantly it is to protect both the payday lender and the borrower.

When the borrower takes out a payday loan there is a set time to pay the loan back. Having more than one or two loans in the same period would place undue stress on the borrower and make it considerably more difficult to pay back. This is not good for the payday loan centers because it means the risk of default is considerably higher. There is a method of checking for how many payday loans you have out at one time and most payday loan centers will check. Not only will it protect you, but it may also keep you from getting yourself in even more debt.

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If you aren't sure what rules and regulations your payday loan center follows then simply contact them. It is easy to call or send an email and receive an answer to all of your questions. Every payday loan center has various rules they follow and in order to know exactly what you are dealing with you should evaluate their website and read all the information on that particular company. Or, give them a call and they will be more than happy to help you with your questions.

There are some payday loan centers that advertise that they don't use teletrack to see how many outstanding payday loans you have or whether you have paid those back. You should not seek out payday loan centers like these because it could be too tempting to apply for all the loans you need and then deal with repayment later. The problem occurs in two weeks when you can't repay the loans and find yourself in significantly worse financial trouble.

How Many Payday Loans Can I Have at One Time?

$$$ How to Get a Fast Debit Card Payday Loan

Sometimes it may be necessary for you to borrow a small amount of money for an emergency home or car repair to cover some unforeseen cost. For these sorts of occasions you can get a debit card payday loan, this is a type of short term loan where your card is used as a type of guarantee to show you can repay the loan.

The main requirement for this type of loan is that you have a bank account and a debit card associated with that account. It is also a requirement that you are at least 18 years of age as you cannot legally get a loan if you are under the legal age.

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You can get a fast payday loan by using the internet to make your application, most short term money lenders have a form on their site that you can fill in to apply. This is much more convenient than having to visit a bricks and mortar high street location. Most lenders do however usually have a local branch that serves their local community. The internet allows them to reach a much greater customer base than they would if they just served the local town or city.

Most online forms for debit card loans are straight forward to complete and only requires essential information. The main advantage to applying online is that there is no need to produce any physical documentation which would then have to be faxed to their office.

With the speed of the internet you can often get an almost instant decision as to whether or not your debit card payday loan request has been approved. This can sometimes literally take a few minutes. This process is more convenient for people who cannot get time out of work to visit a high street lender. With the internet you can apply any time day or night.

Once your short term loan is approved your money can be sent to you. The payment is paid into your bank that is associated with your debit card and is usually the bank account you get your wages paid into. Your funds will become available to you as soon as the transfer process is complete. It can take as little as 24 hours for your funds to appear but depending on your bank these times may vary.

Applying for your loan is confidential and no one not even your employer will find out that you have borrowed money. Any personal information you provide when completing the forms are secure and will be kept confidential, your information will never be passed on to a third party.

How to Get a Fast Debit Card Payday Loan

$$$ Payday Loan Without a Bank Account - How to Get One

Do you need instant cash to clear urgent bills? If you do, all you need is a no fax payday loan to meet all your financial emergencies. You can pay back the borrowed amount on your next payday. Payday loans or short term cash advances that can be availed instantly, without going through a time consuming loan approval process.

The borrower has a wide range of choices available, with a large number of lending companies offering such loans. Faxless payday advances are usually borrowed against the security that the borrower has a salaried job. The application process for obtaining payday loan does not require faxing of documents or records. All you need to do is fill an online application form, or apply for the loan over the phone. The approval procedure for faxless payday loan is not lengthy either. Moreover, the applicant does not require a good credit history to get the cash advance. Once the payday loan is approved, the cash advance is transferred into the applicant's checking account overnight.

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Without Bank Account

If the borrower has no bank account and still wish to borrow a payday loan, then facilities like payday advance without direct deposit are available. However, the borrower, getting a loan without direct deposit feature needs to keep a track of the payback date and ensure a timely repayment.

Sometimes, the borrower needs to do a lot of research to get a payday advance without having a bank account facility. This is due to fact that payday loans without a direct deposit feature generally have a higher rate of interest. The check taken for loan from the lending company providing also may take a longer time to get cashed. Usually, it takes about 3 days to get the check cashed.

Pros and Cons

In case the loan taken is a payday loan, no faxing of documents is required. The cash after loan approval gets transferred into the borrower's bank account. However, before you consider taking a faxless loan, you need to bear in mind the following facts:

o High Cost - Although getting a loan without a bank account and without getting into tedious faxing process is easy and quick, but the cost of borrowing money this way is high. The rate of interest on such loans is very high, which can eventually double or triple the loan amount borrowed. Faxless loan must not be taken as a long term loan.
o Dangers - If you cannot verify the authenticity of the lending company, then proceed with caution. Anybody can access your personal information by setting up a fake website impersonating as a faxless payday loan lender.

Payday Loan Without a Bank Account - How to Get One

$$$ Savings Account Payday Loan - Faxless Cash Advance

Savings account payday loan can be obtained through a cash advance loan when you have financial emergencies and your payday is still weeks away. The money you can get from a savings account payday loan can be used to pay off your overdue bills or any other unexpected expenses. You can get the loan from a payday loan lender which you can find easily in the Internet.

With savings account payday loan you get the money directly into your bank account. Preferably, this is the same bank account as you normally deposit your pay into. This type of loan is very easy to get if you have a full-time employment with regular salary. The loan amount is usually between 0 and 00 or more depending on the lender and how much you can make a repayment. However, interest rates are high, ranging from and per loan borrowed. In some ways, this could be understandable given the risk of the loan and the fast service that the lender has to provide.

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Some companies offer first-time deals for these types of loan programs that completely remove the interest payment is the loan is paid in full by the due date. You can check such an offer from the lender's website including their pay back policies and rates. This information must be finely printed to comply with the strict regulation of the payday loan industry. Checking lender's website is recommended before you signup for the loan to avoid getting ripped off due to undisclosed interest rate and fees.

Unlike other types of loans, payday loans do not require much paperwork to complete. You can even get completely faxless payday loans from many lenders online. This really cuts off the time for waiting between applying and getting the cash. More importantly, with savings account payday loan you get the funds directly deposited into your account, which can happen in the same day or at least the next day after you submit the online application.

Another advantage for borrowers is that most lenders do not require any type of credit check to qualify for the loan program. So long as you are employed and paid a regular salary into your savings account, you are almost guaranteed to get the loan. Typically, the bank routing number, the account number and your social security number are needed when applying for the loan. The information is kept confidential to avoid any third party from knowing your details.

Applying for a savings account payday loan is easy. With many lenders available online you only need a few mouse clicks to borrow some cash to overcome your financial emergencies.

Savings Account Payday Loan - Faxless Cash Advance

Taking Out a $2500 Loan

$$$ Taking Out a 00 Loan

For those people who are looking at taking out a ,500 loan from a payday loan lender, here are a few tips that you should consider before signing and finalizing that loan. Remember, a little bit of knowledge can go a very long way, and this is especially true when it comes to payday loans.

First of all, these loans are meant to only be used short-term. If you are looking for a longer term option, then you need to look at a different type of loan. There are some lenders who are starting to advertise some cash loans that you pay back over time, but if you decide to look into these loans be sure that they make sense financially. Payday loans are extremely expensive, which is why you don't want to use them for long-term financing. Because of this, don't substitute one expensive option for another just because of an advertisement.

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Second, there are no credit checks required in order to get a loan for ,500 from a payday lender. This is one of the biggest advantages of such loans. However, it is important to note (and many people do not realize this), that they will perform a check on your payment history to ensure two things. They will check to make sure that you are not going through a bankruptcy filing right now (past filings are ok), and that you are not currently in default on other existing payday loans.

Finally, one last thing to note about these loans is that they are one of the only ways to access capital quickly if you have bad credit. Payday lenders get a lot of bad press, and some of it is justified. However, these stories do forget to mention that if you have bad credit then this is your only option for a quick loan. Just make sure you use the loan properly so you don't end up being someone who pays ,000 in interest fees on a ,500 dollar loan.

Taking Out a 00 Loan

$$$ 100 Days to Repay Your PayDay Loan?

What's the hardest part about getting a payday loan?

No, it's not the application process. The loan companies make that quick, easy and painless.

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No, it's not understanding the terms of the loan. The lending institutions are required to make their fees and term understandable and available upfront.

So what's the hardest part? Paying the loan back on time of course. Which is one of the most important aspects to getting a payday loan in the first place. If you can't pay the loan back in a timely manner you are going to accrue additional fees and charges making an already difficult financial situation that much harder for you to deal with.

I don't know about you but say I borrow 500 dollars for emergency car repairs today, which is Thursday, the 15th. Most lending companies want to be repaid on your next payday. My next payday would be two weeks from tomorrow, on Friday, the 30th. OK here comes Friday the 30th. Rent is due tomorrow. Can I repay the payday loan along with the interest and still pay my rent? Most likely not.

People who live from payday to payday like a lot of them do (myself included) have the same bills this paycheck as they did on the last months paycheck. I still have to pay my regular bills, plus I have to try to repay this payday loan. Can't do it guys.

Wouldn't it be nice if you could have a little more time to repay that loan without being penalized or having extra fees and interest added on? This would give you a few paychecks under your belt to set aside a little money each time. Well now you can. IF you go to the right company in the first place.

You need a company that will search a large database of different lending institutions to find the right one for you. They can get you the most money for the least amount of interest and still give you up to 100 days to repay your loan. The process is the same as applying to an individual lender. You still fill out the application and provide your personal, residence and income information. They just set you up with the best match for your qualifications.

You can sometimes get a lot more money in a lot less time than by going on your own to each individual payday loan company mainly because by filling out that original application you are getting pre-quailfied so to speak.

It brings to my mind being sort of like a dating service but instead of "eHarmony" it's "eLoans"!

So if you need a payday loan today but aren't positive you can pay it back on your next payday, you might want to consider a loan matching service such as this. Their fees are reasonable and your peace of mind is worth it.

100 Days to Repay Your PayDay Loan?

$$$ Punishment For Not Paying Payday Loan

If any loan can be truly described as an unsecured loan, it is the payday loan. Also termed as cash advance loans, payday loans are short term loans that are provided to borrowers at exorbitantly high interest rates. Borrowers are not required to provide any credit reports nor do they have to pledge any personal property as collateral so as to obtain a payday loan.

In case a person obtains a payday loan, it is always to pay off the loan as early as possible. This is because there is no way of escaping without paying back a payday loan. There are several consequences of not paying payday loans, and some of them are listed below.

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1. Higher overdraft charges levied by banks as a result of insufficient funds in the checking account of the borrower that have caused check bounce.

2. Charges levied by the lender since the loan has not been repaid on time.

3. Reference of the issue to the payday debt collection agency can result in humiliation and ignominy in the society since these agencies carry the reputation of harassing the customers by making multiple telephone calls every day and requesting payment. Calls can be made to any place including at home, at work or at any other number.

4. Aggressive strategies such as threatening calls that are followed by debt collection agencies can cause serious emotional damage including life risk.

5. Repayment of payday loans is not reported by many lenders to the standard U.S. credit agencies. In case the non repayment of a payday loan is reported by the lender to any of three credit bureaus in US, it can cause serious damage to the credit record and the overall credit score. After this, the borrower would find it really difficult to obtain any kind of loan or credit in future since these credit reports are shared between lending agencies.

6. Most importantly, a payday lender has the legal right to sue the borrower under the court of law against non repayment of loan and for writing bad checks. If proved guilty, the borrower can face the risk of a heavy penalty, apart from spending time uselessly and paying several thousands of dollars towards attorney fees.

Punishment For Not Paying Payday Loan

$$$ PayDay: The Heist

PayDay: The Heist is serious, difficult and tough. But it is also fun and full of interesting surprises. If you own a PS3 this game is a real gem to your collection.

For those who enjoyed Point Break or Left 4 Dead, you will find Payday: The Heist relatively easy. You get together with friends and form a gang of criminals. You are tasked with different missions, like robbing a bank, breaking out a prisoner from jail and fleeing from a badly executed job. The enemy can alter their tactics based on your actions and decisions.

Payday

If you play the game over and over you may expect it to get boring as the same tactics will be employed, but Payday has a dynamic leveling system which changes the tactics of the enemy each time you alter yours. Your characters evolve as the game progresses and it will never get stale.

You can unlock new weapons, and collect bonus points each time you complete a level. There are three experience trees and you can choose any one of them and also change while in the middle of a game. You get together a crew and each one has their own special skill to contribute to the gang. An ammo man can ensure you have enough munitions for your task and a medic can be useful if you get wounded by enemy fire.

Playing the game over and over is the beauty of payday. Each time you can score better than the previous round. You can warn your mates about upcoming obstacles and enemies. You can co-ordinate your team to kill cops, and take out security cameras before they spot you. The nice thing about the game is that you get to wear clown masks and resort to a lifestyle of crime.

In single player mode the game is interesting enough, but multi-player online is where the game really excels. It's great to be able to be the leader of a gang of thieves and get other players to follow your every whim. Giving instructions and ordering your men around will make you a true gang leader.

Remember to listen to the game audio as it gives you valuable clues and instructions. Blabbering with your friends in sheer excitement can drown out the computer voices and you'll miss many interesting experiences the game has to offer.

The game costs about and at that price for a multi-player game isn't asking too much. You'll soon realize its money well spent. The time you get to spend with your friends is well worth it.

PayDay: The Heist

$$$ Federal 941 Payroll Tax Payment Guidelines

Many business owners don't realize how important it is to get payroll tax payments made on time. If a late payment is made, once the IRS catches up to it, the penalties are quite stiff: 10% off the top, plus interest. Try earning that at a bank today! Resist the temptation to pay late, because it's not a money saver, it's a money loser. Plus, penalties are not deductible.

Quick Tip: the IRS uses the term "tax deposit" to mean "tax payment", and uses the term "monthly depositor" or "semi-weekly depositor" to mean "monthly payer" or "semi-weekly payer", respectively.

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Determine Your Payment Schedule

Before you can determine when the tax payment is due, you must first determine if you are a monthly depositor, or a semi-weekly depositor. Which type you are has nothing to do with when or how often you pay your employees. In order to determine which schedule you are on, examine the payroll records during the "lookback period". This period always runs from July 1 to June 30. For 2006, the "lookback period" runs from July 1, 2004 - June 30, 2005. If the amount you withheld for 941 taxes is ,000 or less, you are a monthly depositor. If the amount during that period is more than ,000, you are a semi-weekly depositor.

Monthly Depositor

If you are a monthly depositor, you will pay the taxes by the 15th of the next month. For example, for 941 taxes withheld during August 2006, the payment was due on Friday, September 15. If the 15th falls on a weekend or Federal holiday, the payment is due the next business day.

Semi-Weekly Depositor

• If the payday falls on a Wednesday, Thursday, and/or Friday, the deposit is due on or before the following Wednesday.
• If the payday falls on a Saturday, Sunday, Monday, and/or Tuesday, the deposit is due on or before the following Friday.

The 0,000 Rule

Regardless of which type of depositor you are, if 941 withholdings reach 0,000 or more, a payment is due the next business day, and the semi-weekly deposit rules are in effect going forward.

Payment Methods

You may make payments one of three ways:

• The IRS will send you a yellow booklet containing coupons. Fill one out, and take a check to your bank. Be sure to fill out the top stub of the coupon for your records.
• Use the Electronic Federal Tax Payment System. Visit eftps.com for more information and to sign up. Allow about two weeks for the enrollment process to complete. Other types of taxes can be paid as well, using this system.
• Find a payroll provider who offers electronic payment of employment taxes, and enroll in that service.

Avoid Costly Penalties

• Don't pay late
• Pay using the correct method
• Pay the correct amount

These guidelines are for Federal 941 payments only, and are intended for small businesses who have under 0,000 in Federal 941 payroll liabilities. See the Instructions for Form 941, and Circular E for more detail and information.

Federal 941 Payroll Tax Payment Guidelines

$$$ Legitimate Payday Loans Online With No Credit Check

With an online world that is so full of scams, hype and gimmicks it can be hard to find legitimate payday loans online. When you need cash for something that you need to pay, you don't have time to waste with scam websites and gimmicks. It's a big waste of time to have to go through the Internet trying to find a legit payday loan.

The good news is that there is a real loan company or two on the Internet that can give you a legit payday loan without the need for credit check. There is no credit check whatsoever. All you have to have is a job which is a way to pay the loan back. There isn't even any qualification other than having a job and being over age 18. Being over 18 is because you can not enter into any type of loan agreement unless you are of legal age.

Payday

Some people get frustrated that some Web sides say the have to have a checking account. This is actually not even true and no checking account is really needed with any legitimate payday loan company. They will ask you and tell you that you have to have a checking account, definitely.

The reason that they say you have to have a checking account is because if your payment bounces they are more likely to get their money, however you will get an insufficient fund charge from your bank if you don't have the money in your account for your payment. If you use a checking account, then there is no type of overdraft protection and the payday loan company is less likely to get their money for the payment if you don't have it in your account.

There is in fact no way for a payday loan company, insurance company or anybody else for that matter, to be able to distinguish between a checking account number and a savings account number.

There are legitimate payday loan companies online that can help you. If you need money now, you can get up to 00 in cash money deposited directly into your bank account. All you have to have the job, be over 18 and be you say you are.

Legitimate Payday Loans Online With No Credit Check

$$$ Emergency Quick Loans - Offering Same Day Cash Advance Loans

Need emergency cash in a hurry? Same day cash advance loans can wire
money directly to your checking account. With these quick loans, you
don't have to deal with paperwork or banking hassles. From your home
computer, you can find a lender, submit your application, and wait for your
money.

Emergency Money In A Hurry

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When you need money now, cash advance lenders can help you out. With
their same day service, your loan application will be processed in
minutes. With a verification over the phone, in less than an hour you can be
approved for a loan up to 00. That same day, your cash will be
transferred to your account so you can take care of your emergency.

There's no credit check with cash advance loans, so bad credit isn't a
problem. All you have to provide is your personal information, source
of income, and banking numbers where your funds can be transferred to.

Some lenders will require pay stubs or banking statements to be faxed,
simply to speed up the process. Others, however, rely on databases to
check your information.

Take Time To Shop Payday Lenders

If you have the time, shop payday lenders to see who has the best deal
on financing fees. With online lenders, you can often find information
on rates on their website. Otherwise, send a quick email to the company
asking about their fees. The good cash advance companies will be quick
with a response.

The APR is a good number to compare if you are looking at different
types of credit, such as credit cards. Otherwise, focus your search on the
finance fee and pay period. That will give you the true cost of the
payday loan.

No Worry Payment

Online cash advance companies also set up payments to be automatic, so
you don't have to worry about paying another bill. Your lender will
automatically deduct your entire loan amount plus finance fee on your next
payday. If you find you can't make the payment, you can arrange for a
partial payment.

Quick cash is only a few minutes away with a same day cash advance loan.

Try using one of ABC Loan Guide's Recommended Emergency Cash Advance Loan Companies.

Emergency Quick Loans - Offering Same Day Cash Advance Loans

$$$ How to Apply For Online Payday Loans Even With Poor Credit

Applying for a payday loan online is the easiest and most convenient way to get your cash advance fast. Top rated payday lenders can offer the lowest interest rates and flexible pay-off terms (up to 120 days!) without any credit checks or faxing of documents.

Bad Credit Loans

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Most people are worried about their bad credit when they apply for a loan. But the truth is your credit history has absolutely no sway on the credit decision when it comes to payday loans. Most people, who apply for this type of personal financing, have less than perfect credit which is why lenders have to add a high risk premium to the interest rate on the loan. Because of these high risk premiums, payday lenders have been regulated and even outlawed in some states.

Installment Payday Loans

In most cases, you can qualify for up to ,500 in funds if your checking account is in good standing. And the best part is that you won't need to pay it back in two weeks: you can opt for a long-term loan and pay it off in several small installment payments. Nowadays, there are companies with massive online lender networks that specialize in installment payday loans.

Loan Application

Another important aspect has to do with the application process itself. Due to varying state regulations and borrowers profiles, there is no such thing as the best payday lender for everyone. Some people may get great rates and loan terms and others get rejected by the same lender. Some people are instantly approved without any supporting documents and others have to fax a pay stub for employment verification, again, required by some states. So, your best bet is to apply to several (3-5) top lenders and go with the loan that suits your situation best.

Getting Your Loan

Most online lenders are set at the Money Overnight method, so you can expect to receive your funds on the next business day as long as you apply before 4 p.m., EST. The funds are usually wired via direct deposit to your checking or savings account.

How to Apply For Online Payday Loans Even With Poor Credit

$$$ What is a Biometrics Notice?

Green Card and Naturalization applicants needs to take the USCIS Biometrics for the purpose of Federal Bureau of Investigation criminal background checks. Certain application like I-90, N-400, I-485, etc., requires USCIS Biometrics to be taken. In this case you need to submit the application with USCIS Biometrics fee.

After USCIS receives the application, they will send USCIS appointment notice with place, date and time for you to take the USCIS Biometrics. Once you receive the USCIS appointment notice make sure you read the instructions carefully. In certain areas, a van will come to take you to the finger printing locations, if the fingerprinting location is far from your area. Note that the USCIS appointment notice will tell you whether a van serves your area.

Payday

If additional documents are required, then USCIS appointment letter will specify the documents that you need to take with you for the USCIS Biometrics.

Take the USCIS appointment letter with you, when you go to take the USCIS Biometrics. Make sure you also take the additional documents that is specified the USCIS appointment letter. You must also take with you a photo identification document such as passport or national photo identification issued by your country, or driver's license, or military photo identification, or state-issued photo identification card.

After you reach the USCIS Biometrics center with your USCIS appointment notice, you will be asked to fill a form. You must also indicate for what application the USCIS Biometrics is taken for eg., Form I-90, Form I-485, N-400 etc.,

Most of the fingerprinting center uses ink to take the fingerprint. However they might also take the fingerprint electronically eventually.

Once the finger print is taken, USCIS will send it to the FBI to check the criminal backgrounds. The FBI is very efficient and checks your case and sends it back to the USCIS in 3 to 4 weeks. In case if the fingerprint is not clear they will reject and send it back to the USCIS. Then USCIS will again schedule another appointment and send an USCIS appointment notice to you. You need to take the finger prints again. If FBI rejects because of quality of the fingerprints, then you don't have to pay the fee for biometrics.

You can also check with the FBI whether it has checked for criminal backgrounds and sent it back to the USCIS. Note that USCIS will not reveal the results, whether the fingerprints was rejected or not. If the Federal Bureau of Investigation rejects your finger print twice then you have to get the police clearance from each place where you had lived in the past five years.

Generally USCIS Biometrics are considered good for fifteen months. If in case the application is not processed for fifteen months after you had taken the fingerprints, then USCIS may send another USCIS appointment asking you to take the fingerprints again.

Applicants for political aylee don't have to pay the biometrics fee. Applicants who concurrently file I-485 based on an employment petition and Form I-765 will receive one USCIS appointment for biometrics. USCIS will take biometrics for both forms in one visit and the applicants need to pay only one biometric fee with the I-485.

What is a Biometrics Notice?