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Why Everything You Know About $255 Payday Loans Online Same Day Is A L…

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작성자 Francine Dahl 작성일23-02-27 17:02 조회23회 댓글0건

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 Why Everything You Know About $255 Payday Loans Online Same Day Is A Lie
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Smart Money Podcast: Coronavirus Edition

Advertiser disclosure You're our first priority. Each time. We believe that every person should be able to make financial decisions with confidence. And while our site doesn't include every business or financial product that is available in the marketplace however, we're confident that the guidance we offer and the information we offer as well as the tools we design are impartial, independent simple, and cost-free. So how do we make money? Our partners pay us. This may influence which products we write about (and where those products appear on our website), but it doesn't affect our advice or suggestions that are based on hundreds of hours of research. Our partners do not promise us favorable reviews of their products or services. .

Smart Money Podcast: Coronavirus Edition
By Liz Weston, CFP(r) Senior Writer | Personal finance, credit scores, economics Liz Weston, CFP(r), is a personal finance columnist host of"Smart Money" podcast, co-host of "Smart Money" podcast, award-winning journalist and creator of five novels about financial matters, among them the best-selling "Your credit score." Liz has appeared on numerous national television and radio programs including"Today, "Today" talk show "NBC The Nightly News,"" The "Dr. Phil" show, and "All All Things Considered." Her columns are published in the media by The Associated Press and appear in hundreds of media outlets every week. Before joining NerdWallet, she wrote columns for MSN, Reuters, AARP The Magazine and the Los Angeles Times. She lives located in Los Angeles with a husband as well as a daughter, and a golden retriever who is a co-dependent.




And Sean Pyles Senior Writer | Personal financial and financial debt Sean Pyles leads podcasting at NerdWallet as the host and producer of the NerdWallet's "Smart Money" podcast. The show "Smart Money" Sean talks with Nerds on NerdWallet's NerdWallet Content team to answer the listeners' questions about personal finance. With a focus on thoughtful and actionable money advice, Sean provides real-world guidance that will help consumers improve in their finances. Beyond answering listeners' money questions on "Smart Money" Sean also interviews guests who are not part of NerdWallet and also creates special segments that explore subjects like the racial inequality gap as well as how to get started investing and the background for student loans.
Before Sean lead podcasting at NerdWallet, he covered topics that dealt with consumer debt. His work has appeared throughout the media including USA Today, The New York Times and other publications. When he's not writing about personal finance, Sean can be found working in his garden, going for runs , and taking his dog on long walks. He lives in Ocean Shores, Washington.





Mar 23, 2020


Edited by Kathy Hinson Lead Assigning Editor Personal finance, credit scoring, debt and money management Kathy Hinson leads the core personal finance team at NerdWallet. Previously, she spent 18 years working at The Oregonian in Portland in roles including copy desk chief and team director of design and editing. Prior experience includes news and copy editing for various Southern California newspapers, including the Los Angeles Times. She graduated with a bachelor's in mass communications and journalism from the University of Iowa.







The majority or all of the products featured here come from our partners, who pay us. This affects the products we write about as well as the place and way the product is featured on a page. However, this doesn't affect our opinions. Our views are our own. Here is a list of and .



Welcome to NerdWallet's Smart Money podcast, where we answer your real-world money concerns within 15 minutes or less.
This week's topic is the coronavirus pandemic , and how to brace financially for the fallout.
Be aware of where every penny is going to
Look for ways you can spend more on the things you love and less on things you don't.






Our view
The financial effects of the novel coronavirus as well as COVID-19 that can cause will be devastating, with lots of individuals losing their jobs or having their hours cut as economic growth slows. It may be too late to put together an emergency fund for three months however it is sensible to cut down on spending whenever possible, and to save some cash just to give yourself a modest buffer.
Credit cards can be helpful in a emergency, but also. People with good credit scores could be eligible to apply for an account that has a zero-interest teaser rate. For those who do not have good credit may be tempted to take out payday loans, but those could be extremely costly. Instead, look for . Look into other community resources for instance, Jewish Free Loan Association. Jewish Free Loan Association.
If you aren't able to pay all your bills, make sure to prioritize the necessities like shelter, food, utilities and transportation. Ask your lenders if hardship programs might be available.
The crisis also has been a major influence on the market for stocks and has caused wild swings because of all the economic uncertainty. If you're a decade or more from needing the money you've invested -- if your retirement is longer than 10 years away, for example -- it's okay to treat the volatility to be background sound. If you're near retiring or are already retired or near retirement, you could . It's a good idea to consult an unpaid, fiduciary financial planner to get a second opinion on whether your retirement plans and allocation of investments still make sense.
And of course, people's traveling plans are disrupted. Usually, insurance doesn't cover this kind of disruption, however .
Our tips
Concentrate on the things you are able to control, not what you aren't able to control. It's important to stay informed, but not to consume too much negative news. You should consider limiting the time you spend in front of news reports.
Prioritize your bills. If you're unable to pay your bills in full make sure you pay the essential such as food, shelter utility bills, transportation.
It is advisable to invest for the long run. The stock market will eventually settle and eventually recover. If the goal of your investment portfolio is greater than 10 years into the future, you can avoid the daily fluctuations.
More on coronavirus on NerdWallet:
Have a money question? Text or call our number at 901-730-6373. Or you can email us at . To listen to previous episodes, return to the
Episode transcript

Sean Pyles: Welcome to the NerdWallet Smart Money podcast We will answer your money-related questions within 15 mins or less. I'm the host, Sean Pyles.
Liz Weston: And I'm Liz Weston. As always, be sure to email us your money questions. Call or text us at (901) 730-6373. That's (901) 730-NERD. Or email us at
Sean In this episode, we're going to tackle a subject which we've had a lot of questions on in the last few weeks: coronavirus and how to financially brace for its. The consequences of the new coronavirus and COVID-19 disease which it causes are being felt in our economy. Many workers are having their hours cut or being laid off. The stock market is having an emotional moment and many are trying to determine how to prepare for the worst, and that could mean bolstering your finances , and for some people doubling the amount of toilet paper in your home.
Liz: Sean, you have said that you thought that it was a joke, but then you realized it's not.
Sean Then I went to the store just last night , and all the shelves had been empty.
Liz: Yeah.
Sean: I'm glad that I have one of those Amazon subscriptions that I just buy every few months because without it I would be there looking for napkins. Who knows? But it's pretty serious. A lot of people are really anxious right now and lots of people will be in a pretty poor financial situation.
Liz In this episode of the NerdWallet Smart Money Podcast, we're going to discuss ways to prepare yourself mentally and financially and what you should do if you're unable to pay your bill and why it's an ideal time to learn patience with your investments.
Sean: All right, let's dive in.
Liz: Okay, let's start with the mental preparation part because I think this is putting a strain on people in ways they didn't anticipate.
Sean: Yeah.
Liz: So Sean is there something wrong about you?
Sean Sean: I'm definitely one of those who fall down a news hole when something like this happens. For me, this means just looking at Twitter and listening to radio and getting really caught up in the moment-to-moment news and that causes me to feel nervous. I think I try to do it because I want to regain any semblance that I'm in control. But I'm just listening to things I can't actually control. And I'm sure many people are experiencing the same anxiety because it is pretty serious and there's lots of uncertainty. Therefore, one thing I think would be good to do is to be aware of their stress and not dwell on what they can't control. Instead, try focusing on what you are able to control, like how much you're washing your hands , or the kind of news you're consuming and the cadence of that news consumption.
Liz: I think that putting certain limits on this is very smart. I mean, you need to be a prepared citizen, you want to be aware of the current situation However, I think that we all reach a level where we're just too much.
Sean says: Yes I really like doing things that help me appear to have some form of self-control. This is one of them. I have deleted Twitter off my phone . I installed an extension on my web browser that makes it possible for me to look at it for five minutes per day. So, whenever I get that urge to look something up it's a news website and not just slithering down the stream of screaming people into the void. You just need to find a method to ensure that you're able to control what you're watching because it's easy to get very annoyed by this sort of information.
Liz: Yeah, absolutely.
Sean I think you're great mentally, however there are plenty of things you can do financially to prepare yourself for a hardship like this.
Liz: I was thinking about the experience of walking into a grocery shop and finding there are no shelves. Then you realize that it's a little early to start preparing now.
Sean: Mm-hmm.
Liz: So there's an amount of work you have to do. If, for instance, you've been living paycheck-to-paycheck pay, and recently got fired, I can suggest you have an emergency fund for three months, and it's like, "Well, that was extremely helpful." So obviously, when you have a job, if you are still working, you should be careful about spending, you do want to put a little bit of extra savings aside. We at NerdWallet have never been big in putting your emergency fund first, as there are many other financial priorities that have to take place that are more important over the long term. However, we would like you to have some kind of emergency fund, be it $750, $1000, anything that can help you get out of that paycheck to paycheck trap that's extremely easy to fall into. If you've got it you're doing good for you. If you're in a situation where this is coming a little too late, we've got other ideas for you.
Sean The subject is one I thought about too. Most people live paycheck to paycheck. They don't have an emergency fund and, in the present time- especially in the event that your hours have been cut the time you'll need to draw from the. So one thing that I'm thinking about is I know that a lot of folks are likely to use their credit cards. And if you don't have savings, I think that now might be the perfect time to consider applying for a zero-interest credit card that could offer a short-term cash buffer. Now, we don't typically suggest taking on the realm of debt, but if you require a bridge for expenses right now it could be an alternative. Make sure you complete all of your payments in time to ensure your credit remains stable and that you strategy to pay off the debt before the 0 APR period is over. Because all of these cards have a fixed APR, your period is typically between 12 and 15 months and following that, interest rates may increase as high as 15%, or higher. Therefore, be aware of it.
Liz Also, there are some alternatives for payday loans. When you search for payday loan alternatives, some of them will be listed and they're similar to charitable organizations. I know the Jewish [Free Loan Association] is out there saying, "Hey, we've got money to help people." There are grants for short-term projects that are possible. Food banks are available. There are people looking to help in a variety of ways. There are alternative options to taking out a payday loan. Payday loans are really scary.
Sean: Right.
Liz A: People take out the cash and end up in a trap where they can't pay it in full when payday arrives and end in debt, owing owing, and not being capable of regaining their feet. If you're considering one of those loans take a look at alternatives.
Sean says now is the perfect moment to take a look at your community to see the resources available. This is the time of year when the majority of these organizations and local community groups are getting into high gear because this is what they've been working on. And they're there to help you. But the resources are finite and it can get really difficult when you lose your job as the majority of people, especially in the service sector, are currently experiencing. And maybe in a couple of weeks they'll realize, "Hey, I can't pay my bills right now." So I want to talk about this with you, Liz because this will be really hard, it's going to affect a ton of people. And Liz I'm sure you've written an article titled "How to Pay Your Bills when You aren't able to pay your bills." What are your thoughts on this?
Liz The key is to be triage. That means you need to prioritize the most important items first. The most essential of these is. That's the food you eat and shelter, roof that covers your head, lighting, heat, transportation, when you have to go to work or to get to the doctor or whatever it is. So those are the essentials that you must ensure you are protected regardless of what. This is important to remind people because when they fall in debt when collectors call, they get scared and pay whoever is being the most rude. It is essential to prioritize your family, and yourself first, and pay for the most essential things. After that, make a second round of triage for the rest of your expenses. Which ones are the most severe negative consequences for not paying? What ones allow for some flexibility? Students loans like student loans generally have a forbearance or deferral that allow you to avoid not having to pay for a period of time.
In general, lenders have been more responsive during bad times to letting people change their payment plans, put off a payment or something like that, but you need to remain in contact with them. You have to be talking with them. If you just put off paying, you might have missed out on some kind of program that could help you, and could hurt your credit for no legitimate reason.
Sean The gang: This can be one of the situations that you must complete your work before the deadline. But one thing that I've been pleasantly surprised to observe in the last week is that lots of the creditors are actually putting out programs to be ahead of the game and are declaring, "Hey, we realize that things aren't easy at the moment. If you're not able to pay your bills then give us a call." But you do have to make that phone call.
Liz: Yes, absolutely. In another podcast, we talk about how you can pay the IRS even if you aren't able to be able to pay IRS. So, that's the other thing that's being revealed that people are struggling with. If you do have an unpaid tax bill isn't paying, yet, there are payment options Don't be shy and try to find the options, and it could really aid you.
Sean The people they want to work with are looking for their money and want to be able to collaborate with you and have a good relationship with you. This means that you must be proactive, which is, most likely the last thing you want to be doing when suffering from an illness and you're worried about getting some horrible illness. It takes around 10 minutes. Just give them a call and attempt to figure this out because the most important thing you don't want to do is go into default, which will ruin your credit score. This will make things harder to come back to should you need to get a new line of credit.
Liz: Exactly.
Sean: A different thing I want to turn to right now is people's investment portfolios. There's been plenty of anxiety around retirement accounts. We've seen the market really take a nosedive in the past couple of weeks. I'm wondering how you think people should think about this, and what to consider if they're thinking of completely pulling out.
Liz: What's happening now with the market? And the reason for it being so volatile is that those who make the trades and the investors look ahead, saying, "This is going to affect the economy, and we don't know the extent." The market doesn't like uncertainty so that's why you're seeing it go all over the place. If you are not retiring on the horizon, this is basically noise to you. What's happening from day to day, month to month, doesn't matter. What is important is what happens in the long haul, in the next 10 20 years, 20, 30 years. And we have an incredible capability as humans and as a nation to rebound. So I think in the long run our chances are excellent, and I'm planning to remain engaged and try not to pay any attention to the noise. If you are about to retire and you're looking to retire, that's a different story. Find an independent, fee-only, fiduciary accredited financial planner. Get another eye on your retirement plan in order to make sure it's still making sense.
Sean Then, yes, that makes sense. This is another of those instances where you must be mindful of the food you consume so that you don't fall into a panic situation where you're pulling out your investments which could be detrimental to you twenty, 30 or more years from now.
Liz says: What we saw, which was very interesting was that the number of people who jumped into the market. We had a lot of visitors to our site when the stock market went down the first time, and I believe there were lots of people who were sitting around saying, "OK, here's my opportunity to buy." Then the floor came out of the way and they're thinking, "Agghhhhh." It's all part of being an investor, these things happen and we've had bear markets before, and we've experienced major corrections prior to that. It does bounce back. For the people that are waiting on the sidelines, it's like, you're not going to be able be able to stop it prior to it starts to rise, and when the market does begin to recover and does so so fast, you're going to miss most of the gains.
That's why every financial expert who's worth their salt will advise you to stay the course, have an asset allocation and keep your investments going and don't take a look.
Sean You can turn off the news and go through the book.
Liz: Exactly.
Sean: Put on some popcorn. All right, great. The last thing I want to touch on is travel plans. Many people don't want to travel at the moment however, they may already have plans for a trip to Machu Picchu or who knows exactly where. However, the good news is that lots of airlines are actually making arrangements and are not charging cancellation charges, however the rules are changing on a daily basis it seems. So we actually have a link on our show notes post at nerdwallet.com/podcast to an article that is just regularly updated with different airlines' cancellation policies. So if you've got travel in the near future, check that out and ensure that you again are taking a proactive approach to planning any trips you may have in the near future.
Liz: I've been kind of astonished, actually as we've had to live with these horrendous fee for changes and deposits that aren't refundable and finger-wagging and to see these travel agencies acknowledge that fact is awe inspiring and like yeah, at least they're doing that.
Sean Sean: Okay. I think that is the only thing we can do. If you're anxious, perhaps feeling a bit uncertain about their finances, know that you're not the only one, but know that there are some actions you can take to make this tough time a little bit easier. Let's look at our tips for success. In the beginning, concentrate on the things you manage, not on what you can't. If you are unable to pay all your bills pay for the necessities: shelter, food, utilities, transportation. Finally, in the event of major market swings like we're seeing right now, focus on the long term and ignore the swings that occur day-to-day.
And that is all we have to offer in this episode. Do you have a financial question of your own? Contact the nerds, and send us a text message or call at (901) 730-6373 that's (901) 730-NERD. We can also be reached by email at nerdwallet@gmail.com for more info on this episode and remember to rate, subscribe and review us wherever you're getting this podcast.
Liz: And here's our brief disclaimer, thoughtfully crafted by the legal team of NerdWallet. The answers to your questions are provided by highly skilled and knowledgeable writers in the field of finance, but we're not financial experts or investment advisors. The information provided is to general education and entertainment purposes and may not apply to your particular situation.
Sean and Sean said, until the next time, turn to the Nerds.










About the authors: Liz Weston is a columnist for NerdWallet. She is a certified financial planner as well as the author of five money books which include "Your credit score."


Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. His writing has appeared on The New York Times, USA Today and elsewhere.







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