Payday loans are very common these days. With over 10,000 payday loan companies in the US alone, they are a convenient way to get “quick cash”. Many people have heard of these. Some have seen them advertised on TV or on the radio. Maybe they came across an ad in the paper or on the internet. Either way there are a lot out there “to help assist those who need it”. Many call themselves banking alternatives. This, in some cases, is true. There are many that offer other things like longer hours than a bank so that you can cash your check later or pay bills. The government has been taking an increasingly deeper look at these payday loan centers. They are concerned that they are taking advantage of low-income families. These companies respond by saying that they are just helping where there is a need. There are a lot of FAQs related to this topic, so let’s get to it.FAQs
What is a payday loan?
It is a high interest short term loan usually between the amounts of $50 and $500.
What else can it be called?
It can be called a check advance loan, cash advance loan, deferred deposit check loan, or a post dated check loan.
Why would I need one?
If you have a financial emergency like an unexpected car repair or an emergency hospital bill, or an emergency utilities bill, or even regular expenses like food, gas, or travel costs.
What is the interest rate?
This can vary from company to company, usually above 100% APR.
Will they check my credit?
No. There is no credit check for most payday loans.
Where can I apply for one?
You can apply in person at a branch or over the phone, and many allow you to apply online.
How long is the application process?
Usually less than 20 minutes.
When will I receive the money?
It will usually be direct deposited to your bank account within 24 hours.
Is there a down payment?
There are no upfront costs for a payday loan.
Will they share my information?
No. This is a private transaction, they will not share your financial information with anyone.
How long do I have to pay it back?
This varies from company to company. You usually will have to pay it back the next week, but if you cannot pay for the whole amount the next week some companies will allow you to extend or roll-over your loan. This will usually mean more interest and more cost for you.
Is there other options?
You could borrow from a family member or friend. You could use a credit card, or you could try to take out a conventional loan or apply for a/another credit card.
Make sure to look into the company too. There are many people out there to scam you. If you are unsure of the company check with your local BBB or community business review board. They will often tell you if this company is for real. Also be aware of the interest. What you will be paying back on the loan. Make sure you check the fees associated with it and ALWAYS make sure you have the money to pay it back. To avoid having to use a payday loan try to set some aside every week to build an emergency cushion. This will help in those times of need. If you set aside $25/week for 20 weeks you will have $500. My mom always says if you do not see it you will not spend it. Some banks will automatically take a designated amount from your checking account on a certain day and deposit it into a savings for you. Hence, if you do not see it, you will not spend it.
Posted in Loans
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Our offices handle many different areas of law. One area in particular is Employment Law. Employment Law is one of the most difficult and complex areas to handle.An area I have come across lately is employer retaliation against an employee. Below is a brief summary of what retaliation is. This will help you in picking the right person to handle your legal issues. If the person you speak to does not know the elements of retaliation watch out. They may not understand the complexities of this tough area of the law. This brief summary will help either employers or employees in understanding Retaliation.DEFINITIONCalifornia law prohibits an employer, labor organization, employment agency or person from discriminating against any person because that person has opposed any discriminatory practice.The Fair Employment and Housing Act proscribes retaliation more broadly than discrimination. The general prohibition against discrimination extends only to discrimination “against the person in compensation or in terms, conditions or privileges of employment.” In contrast, the prohibition against retaliation states simply that an employer may not “discriminate” against any employee who opposes discrimination.To establish a prima facie claim of retaliation under the Fair Employment and Housing Act, a plaintiff must show that he engaged in a protected activity, his employer subjected him to adverse employment action, and that there is a causal link between the protected activity and the employer’s adverse action.The California statute prohibiting retaliation discrimination is the Fair Employment & Housing Act (FEHA). CAL. GOV’T CODE §12900 et seq. The FEHA’s federal counterpart is Title VII of the Civil Rights Act of 1964. 42 U.S.C. §2000e et seq.THESE ARE THE ELEMENTS YOU NEED TO PROVE IN WORK PLACE RETALIATIONPROTECTED EMPLOYEEAn employee is one engaged by an employer to do something for the benefit of the employer or a third person. CAL. LAB. CODE §2750.EMPLOYER, LABOR ORGANIZATION, EMPLOYMENT AGENCY, OR PERSONThe FEHA prohibits an employer, labor organization, employment agency or person from retaliatory discrimination.ADVERSE TREATMENTAn employer may not discharge, expel, or otherwise discriminate against a person who has opposed discriminatory practices.RETALIATORY INTENTThe plaintiff must show a causal link between the employee’s opposition to a discriminatory practice or activity and the adverse action of the employer.EXHAUSTION OF ADMINISTRATIVE REMEDIESBefore filing a complaint for retaliation under the FEHA, the employee must first exhaust available administrative remedies by filing a charge with the California Department of Fair Employment & Housing.SO WHAT ARE YOU ALLOWED TO GET IF YOU CAN PROVE RETALIATION?o Back Payo Front Payo Emotional Distress Damageso Attorneys’ Feeso Punitive DamagesSTATUTE OF LIMITATIONS (SOL)A plaintiff must file a discrimination charge with the California Department of Fair Employment and Housing (DFEH) within one year from the date of the most recent act of discrimination. CAL. GOV’T CODE §12960. This period may be extended for up to 90 days if the plaintiff did not learn of the discrimination within a year of its last occurrence. CAL. GOV’T CODE §12940. The employee must file a civil lawsuit within one year from the date that the DFEH issues a “Right-to-Sue” notice to the employee. CAL. GOV’T CODE §12965(b).
Posted in Employment
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The time to prepare is nowHere are just some of the headlines found in mainstream media:- Worldwide Economic Uncertainty- Global Political Tension- December 2012- Strange Weather Phenomenon- Solar StormsIf all that doesn’t have you just a little bit spooked, I don’t know what will.If you’re a “don’t worry about it” type of person this article is probably not for you, however, if you want to put a bit of thought into preparing for you and your families survival, now’s a good time to start thinking about it.While a disaster can strike at any time without warning, if you’re lucky, you’ll have time to get a good collection of survival gear together before disaster strikes.Minimise panicPanic is not something you and your family want in an emergency situation. The best thing to do during any survival situation is to fall back on your equipment and planning. This is best done by making sure that you are fully equipped, have an understanding of what to do and understand how to use all your gear. This will reduce panic and turn a hopeless situation into a more manageable one.Survival GadgetsEveryone loves gadgets, the purpose of a gadget is of course is to make a manual task easier and quicker to perform. However, survival gadgets must do more, they must be good for multiple tasks, strong and high quality. Your life may depend on them.Here’s a few survival gadgets I suggest investing inWater FilterWater is the most precious commodity especially when you get stuck in a survival situation. It’s advised that you should have water in storage to last at least 72 hours. But what will you do if you are left without any way to replenish the supplies? This is one situation where a reliable water filtration system will be essential. There are multiple types available however look for one like a UV type that can be used multiple times.Crank powered radioA self-powered radio becomes a safety hub in the event of an emergency, power outage or natural disaster. As the name suggests “crank powered radios” can be hand cranked and do not require mains power. They usually have a variety of features that like lights and flashing signals.Alternative Powered LanternSolar powered or hand-crank powered lantern are a must have during a survival situation. Most can either be charged using the sun, artificial light or the hand crank. The obvious benefit is light without mains power.Multi ToolsThere are a lot of tools nowadays that serve different purposes. The most common include different blades a saw, pliers, wire cutting and screwdrivers. All extremely handy.KitsLook for something with hand saw, signalling mirror, fire starter, waterproof matches, snare wire, emergency cord, fishing kit and sewing kit. Simply a must have.Some people think gadgets are a gimmick. I however believe that high quality multi purpose tools save time, effort and make all the difference in your survival.