Team-Schuman Marketplace Ezine [TSM]
“Helping People Make Money Online”

Date: February 16, 2007

Editor: Jeff Schuman

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Welcome to another issue of Team-Schuman Marketplace [TSM].
This newsletter is going out to over 4300 subscribers.

You can read this online at our blog:
http://www.Team-Schuman.com/blog

Or you can subscribe to it here:
http://www.Team-Schuman.com/newsletter

Today’s featured article is:

“Be Careful Of Payday Loans”
By Jeff Schuman

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Table Of Contents!

- Introduction-
- Feature Ad
- Featured Article “Be Careful Of Payday Loans”
- Subscriber Ads

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Featured Ad:

Article Writer For Hire
http://article-writer.team-schuman.com

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FEATURED Article:

Be Careful Of Payday Loans
By Jeff Schuman

You can’t go far these days without seeing a Payday Loan offer.

Some come in the form of an actual store (often times found in
strip malls or in the parking lot of regular malls) while other
offers are presented exclusively on the Internet. But what
exactly is a payday loan?

A payday loan is normally a very small loan (under $1,000).
Unlike regular loans, payday loans rarely require a credit
check. The terms on payday loans are much shorter than other
loans and the borrower is usually required to pay back the loan
in full within anywhere from two weeks to two months. Payday
loans are marketed as a way to get fast cash to hold the
borrower over until their next paycheck.

When a borrower applies for a payday loan they are required to
present the lender with either a post-dated check or permission
to debit their bank account on an agreed upon future date. The
finance charge is almost always very high and often comes in the
form of a fixed dollar amount as opposed to an interest rate
percentage that is found with a standard loan.

Many payday loan companies are not licensed or regulated by
consumer laws and will charge the borrower the maximum amount
that they think they can get. Payday loans are generally very
costly for borrowers and should be avoided if possible.

If you do find yourself in an emergency situation where you need
to use the services of a payday loan company, then it is
absolutely imperative that you repay your payday loan as soon as
possible. If you’re unable to repay your loan at the end of the
agreed upon term, you’ll be charged hefty fees in addition to
the initial finance charge.

Payday loans are much more expensive than other borrowing
options. The average APR (annual percentage rate) on a payday
loan is somewhere around 400%, however, it’s often as high as
5000%! If you have a credit card with available credit, you are
almost always better off taking a cash advance from your card,
as opposed to getting a payday loan. Even the highest credit
card APR out there isn’t nearly as high as most payday loan
rates.

Now that you’re aware of the potential pitfalls of payday loans,
you can decide whether or not it is the type of loan product
that fits your needs. Payday loans can be beneficial if you’re
in need of fast cash in a pinch; however, be prepared to pay the
price!

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Have a good weekend. Let me know how I can help!

Jeff Schuman, Editor
Team-Schuman Marketplace
http://www.Team-Schuman.com

303.514.6398
jeff@Team-Schuman.com

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