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wlkleo00jah
Wysłany: Czw 13:05, 12 Wrz 2013
Temat postu: www.vivid-host.com/barbour.htm WARNING! Payday Loa
The FTC is at it again trying to justify their existence by waving a red flag "consumer Alert" that proclaims Payday Loans = Costly [url=http://www.vivid-host.com/barbour.htm]www.vivid-host.com/barbour.htm[/url] Cash. To justify this alarming statement, this government agency uses only the APR or annual percentage rate and ignores all other considerations.
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We all know that when we buy products in bulk, the price is cheaper than what we buy smaller containers of the same product. The same is true with payday loans.
A payday loan usually is anywhere from $200-$500 dollars. In the lending business is a very small loan. It's reasonable that service providing these very small loans would naturally be more expensive than a lender doing larger loans. [url=http://www.achbanker.com/home.php]hollister france[/url]
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Finally, consider the cost of many things that we buy. Consider that when you buy something, the price you pay can be broken into two parts. The first part is the actual cost of the product and the second is a markup. The markup is the difference between the actual cost of the product and what we pay when we buy that product. A markup is the money that a business uses to pay employees, rent, and other cost of running the business along with hopefully a profit.
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This looks downright reasonable, next to many businesses. It's not unusual for a business to have a 100% markup or more on what they sell. The cost of a meal at a restaurant is a lot more than what food actually costs. And some products like jewelry can have 200% or 300% markup or more.
So when you look at a payday loan as a service used in an emergency that's payback on time, the actual interest and fees are really quite reasonable. I would disagree with the FTC that Payday Loans = Costly Cash when used responsibly by us as consumers.
I do agree that pulling over a short-term payday [url=http://www.getconversational.com]hollister france[/url] advance loan as a long-term financial strategy can be very expensive. The use of a payday advance loan in an emergency situation and on for a short period of time can really be a lifesaver.
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