Social Security cost-of-living allowance increases for 2017 is just 0 #fa #playbook, #special #reports, #fa #playbook, #social #security, #personal #finance, #business #news


Social Security cost-of-living allowance increases for 2017 is just 0.3 percent

Your Social Security check will increase by a measly 0.3 percent next year.

That’s according to the Social Security Administration, which announced its 2017 cost-of-living adjustment on Tuesday. The “COLAs” are based on increases in the Consumer Price Index.

The agency also will be taking more. It said it will increase the maximum amount of earnings subject to the Social Security tax to $127,200 from $118,500, starting in January.

Social Security checks

The announcement comes months after the agency’s board had predicted that the adjustments payable next January would range from zero to 0.7 percent. The Medicare Trustees report in June had predicted a COLA increase of 0.2 percent for Social Security.

The average monthly Social Security benefit in January will be $1,360, $5 more than now, according to the government.

News of the tiny increase doesn’t come as a surprise for financial planners, who already held out pessimistic expectations.

Stretching a dollar

Financial advisors have said that they aren’t counting on Social Security COLAs as a retirement income boost, especially since 2016 was a year with no increase for retirees.

As a result, advisors are looking for other ways to help older clients generate income, including increasing allocations to stocks.

“If inflation happens, whether Social Security recognizes it or not, you’ll have to increase retirement income,” said Benjamin Brandt, a fee-only financial planner at Capital City Wealth Management in Bismarck, North Dakota.

“It’s not coming from your pension or from Social Security,” he said. “It’s coming from your investment portfolio.”

The effect of having a tiny-to-flat increase in Social Security is much more jarring for people who largely depend on the government program.

“The government is looking at CPI, and if they see no inflation, then there’s no increase,” said Gregory L. Olsen, a partner at Lenox Advisors in New York.

“Seniors who rely on it are in a position where if their rent goes up $50 a month, but Social Security increases by only $5 a month, what will you do without now?” he asked.

There aren’t very many ways for retirees to squeeze out an extra dollar from otherwise “safe” pots of cash. Rates on three-year certificates of deposit are still below 2 percent. and savings accounts are crediting interest in the neighborhood of 1 percent.

Medicare woes

Next year, a handful of retirees will contend with increased costs for Medicare Part B, the insurance program that applies to doctor’s services and outpatient care.

A “hold harmless” provision buffers most retirees from increased Medicare Part B expenses in a year when the increase in the premium is higher than the Social Security COLA. These people will not pay higher Part B costs.

You can expect to pay higher Part B premiums in the following situations:

  • You’re eligible to enroll in Medicare for the first time in 2017.
  • You’re enrolled in Medicare, but you aren’t collecting Social Security.
  • You’re already subject to Medicare premium surcharges because you didn’t enroll on time and now have to pay a penalty.

Keep a lid on your costs by enrolling for Medicare when you’re eligible. You can sign up during the initial enrollment period, which starts three months before your 65 th birthday and ends three months after.

If you miss that first enrollment window, you will be subject to a 10 percent late fee for each 12-month period you went without coverage. You will pay this surcharge for the remainder of your life.

Where do the candidates stand?

As retirees and their financial advisors grapple with the prospect of another year with flat Social Security income, the presidential candidates have had little to say about the program at the last two debates.

But Donald Trump and Hillary Clinton spelled out their positions in an AARP Bulletin on June 27.

There, Clinton’s campaign said she was against cutting COLAs, would push back against privatization of the program, and fight efforts to increase the retirement age. She has also supported taxing high earners’ income beyond the current cap of $118,500.

In that same AARP Bulletin. Trump’s campaign said he would work with Congress to ensure “we have a pro-growth agenda in place,” but did not provide details on specific changes to Social Security.

“If we are able to sustain growth rates in GDP that we had as a result of the Kennedy and Reagan tax reforms, we will be able to secure Social Security for the future,” his campaign said.

Darla Mercado Personal Finance Writer

Jacksonville Personal Injury Lawyers #car #accident, #personal #injury, #lawyer, #attorney, #law #firm, #jacksonville, #jacksonville #beach, #florida, #jacksonville #accident #attorney, #florida #injury #lawyer, #jacksonville #personal #injury #attorneys, #accident #lawyers


W. Marc Hardesty

Marc has received the AV rating which is the highest rating by Martindale Hubbell as well as being named as a Top Attorney by Jacksonville Magazine.

Michael S. Tyde

Michael has worked for the State of Florida as both a public defender and prosecuting attorney, and has also been selected by his peers as a member of The Best Lawyers in America.

Karl T. Green

Karl has litigated over 60 jury trials, was peer selected as a member of the Best Lawyers in America and named a 2013 Top Jacksonville Lawyer by Jacksonville Magazine.

Frank A. Ashton

Frank has been recognized as one of the Top 100 Trial Lawyers by the National Trial Lawyers and is AV rated by Martindale Hubbell.

Kevin W. Moore

Kevin is an active member of the Jacksonville Bar Association and the Jacksonville Justice Association, and served as a Staff Editor of the Law Review.


W. Marc Hardesty

Marc has received the AV rating which is the highest rating by Martindale Hubbell as well as being named as a Top Attorney by Jacksonville Magazine.


Michael has worked for the State of Florida as both a public defender and prosecuting attorney, and has also been selected by his peers as a member of The Best Lawyers in America.


Karl has litigated over 60 jury trials, was peer selected as a member of the Best Lawyers in America and named a 2013 Top Jacksonville Lawyer by Jacksonville Magazine.


Frank has been recognized as one of the Top 100 Trial Lawyers by National Trial Lawyers, is AV Preeminent Rated and is selected to Best Lawyers in America.


Kevin is an active member of the Jacksonville Bar Association and the Jacksonville Justice Association, and served as a Staff Editor of the Law Review.


Our Jacksonville personal injury attorneys have more than 100 years of combined trial experience. Members of our firm have been awarded the prestigious AV Rating by Martindale Hubbell, which is the highest rating for legal ability and ethics. We have been rated as a Tier 1 Best Law Firm in Jacksonville for personal injury litigation by U.S. News & World Report. Some of our attorneys have also been selected as Top 100 Trial Lawyers by The National Trial Lawyers or are members of the Multi-Million Dollar Advocates Forum.

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Vandalizing Property in Florida: Misdemeanor or Felony Criminal Charges

There is no question that peer pressure can cause a person to deface or vandalize property. In fact, the pressure and influence may even make a person believe that this is a good idea. Even if it is meant to be a joke or not to cause any harm, the fact remains that vandalism is

Frequently Asked Questions About Car Accident Claims

In 2013, over 32,000 people died as a result of a car accident in the US – this is approximately 90 deaths a day.In 2015, 32,166 fatal motor vehicle crashes occurred in the country, in which there were 35,092 deaths. This means that there were 10.9 fatalities per 100,000 people and 1.13 fatalities per 100

Factors in Your Motorcycle Accident Insurance Claim

The factors that come into play in a motorcycle accident case are similar to those in a car accident case. For a successful outcome, motorcycle accident injury plaintiffs need to prove that the recklessness, inattentiveness or carelessness of the defendant driver was the direct cause of their injuries. However, the law that governs motorcycle accident

Contact Hardesty, Tyde, Green & Ashton

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Balloon Payment:
A large loan repayment made in order to clear a debt. Usually applied to a short-term fixed-rate loan, which involves small payments for a certain period of time with one large payment for the remaining amount of the principal at a time specified in

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Sichol – Hicks, P #rockland #county #personal #injury #lawyer


Sichol Hicks, P.C.Established 1950

One of the Region s Most Highly Rated Injury Firms

Leading New York personal injury lawyersIt is the firm s policy to thoroughly prepare every case for trial, so insurance companies know that these lawyers will not hesitate to try your case. The firm s record of success at trial is a valuable asset when it comes to settlement negotiations and the firm has a reputation for maximizing the value of every case. They accept injury cases from throughout the region, including Rockland County, Orange County, Putnam County, Greene County, Westchester County, Nassau County, and Suffolk County.Responsive personal serviceIn plaintiffs personal injury cases, the firm s goal is to obtain monetary settlements for lost wages, medical expenses and pain and suffering. In most cases it is possible to obtain a favorable settlement through negotiation. You can count on them to listen carefully and work closely with you to understand every aspect of your case. They return your phone calls. They know how important your case is to you and they keep you apprised of developments as they happen.Reputation for excellenceSichol Hicks is among a select group of law firms listed in the New York Bar Register of Pre-Eminent Lawyers and is the only firm based in Rockland County rated Pre-Eminent in the field of personal injury. This is a directory of leading law firms that includes only those lawyers and firms that have earned the AV rating from Martindale-Hubbell, the nation s oldest and most respected attorney rating entity. The A rating recognizes the firm s preeminent legal ability and professionalism. The V rating communicates Very High ethical standards. Sichol Hicks is one of fewer than 60 New York firms listed in the area of Medical Malpractice and fewer than 80 firms included in the area of Personal Injury.Free consultation and contingency arrangements. The attorneys of Sichol Hicks are available to assist you and the members of your family. If you are unable to come to their offices, they will come to your home or hospital room. Of course, there is no fee in personal injury matters unless the firm recovers damages for you. You can reach us at 845-357-4422 or 800-529-4422 .

  • Pre-Eminent Reputation for Excellence
  • Leading New York Personal Injury Lawyers
  • Responsive Personal Service
  • Estate Planning, Elder Law, Real Estate
  • Advocacy for the Developmentally Disabled
  • Free Consultation and Contingency Arrangements in Personal Injury Matters

Experience you can trust

Based in Rockland County, New York, the experienced trial lawyers of Sichol Hicks have a record of results in complex auto and motorcycle accident cases, work-related accidents, such as construction accidents, scaffold falls, ladder falls and crane accidents, medical malpractice, amputations, negligence, and death cases. Clients of Sichol Hicks get the benefit of their many years of experience in handling serious matters, such as birth injuries, brain injuries, bone fractures, injuries from defective products, workplace and labor law accidents, medical malpractice, playground accidents, negligent security cases, and more. Additionally, the firm specializes in the fields of Estate Planning, Elder Law, Real Estate and Advocacy for the Developmentally Disabled.

Practice Areas

Chicago Personal Injury Lawyers #chicago #personal #injury #lawyers


Chicago Personal Injury Lawyer

Leading Personal Injury Law Firm Accepting Clients Nationwide

We ve recovered millions of dollars for thousands of clients nationwide!

Headquartered in Chicago, Pintas Mullins Law Firm is proud to serve clients across the country. In our more than 30 years in practice, we have helped our clients recover millions of dollars in verdicts and settlements. We handle a diverse range of cases, such as nursing home abuse, medical malpractice, cancer litigation including mesothelioma, lung cancer, ovarian cancer, drug and medical device recalls, serious trucking and auto accidents. When people are seriously injured they know to call the Pintas Mullins Law Firm.

If you or a loved one suffered a serious injury, contact us immediately. We are here to serve you. We never charge a fee unless we win your case.

Cases We Handle

  • Mesothelioma
  • Medical Malpractice
  • Lung Cancer
  • Serious Accidents & Injuries
  • Nursing Home Injuries
  • Work Accidents
  • Drug Recalls & Warnings
  • Toxic Substances
  • Defective Products & Medical Devices
  • Other Case Types

Million $ 7.5 Million

Motor Vehicle Accident

  • Million $ 5.7 Million

    Million $ 5.6 Million

    Motor Vehicle Accident

  • Million $ 4.75 Million

    Million $ 4 Million

    Million $ 3.8 Million

    Mesothelioma & Lung Cancer

  • Million $ 3.6 Million

    Mesothelioma & Lung Cancer

  • Million $ 3.5 Million

    Million $ 3 Million

    Nursing Home Neglect

  • Million $ 2.7 Million

    Mesothelioma & Lung Cancer

  • Million $ 2.7 Million

    Mesothelioma & Lung Cancer

  • Million $ 2.69 Million

    Mesothelioma & Lung Cancer

  • Million $ 2.6 Million

    Mesothelioma & Lung Cancer

  • Million $ 2.5 Million

    Mesothelioma & Lung Cancer

  • Million $ 2.5 Million

    Mesothelioma & Lung Cancer

  • Million $ 2.5 Million

    Million $ 2.4 Million

    Mesothelioma & Lung Cancer

  • Million $ 2.3 Million

    Mesothelioma & Lung Cancer

  • Million $ 2.2 Million

    Mesothelioma & Lung Cancer

  • Million $ 2.1 Million

    Million $ 1.9 Million

    Mesothelioma & Lung Cancer

  • Million $ 1.7 Million

    Mesothelioma & Lung Cancer

  • Million $ 1.4 Million

    Nursing Home Neglect

  • Million $ 1.25 Million

    Motor Vehicle Accident

  • Million $ 1.25 Million

    Motor Vehicle Accident

  • Million $ 1 Million

    Nursing Home Neglect

  • Million $ 1 Million

    Nursing Home Neglect

  • Thousand $ 950,000

    Thousand $ 950,000

    Nursing Home Neglect

  • Thousand $ 917,000

    Nursing Home Neglect

  • Thousand $ 900,000

    Nursing Home Neglect

  • Thousand $ 886,000

    Mesothelioma & Lung Cancer

  • Thousand $ 830,000

    Motor Vehicle Accident

  • Thousand $ 800,000

    Nursing Home Neglect

  • Thousand $ 750,000

    Thousand $ 750,000

    Nursing Home Neglect

  • Thousand $ 750,000

    Nursing Home Neglect

  • Thousand $ 750,000

    Nursing Home Neglect

  • Thousand $ 720,000

    Mesothelioma & Lung Cancer

  • Thousand $ 715,000

    Nursing Home Neglect

  • Thousand $ 700,000

    Thousand $ 700,000

    Nursing Home Neglect

  • Thousand $ 665,000

    Thousand $ 650,000

    Nursing Home Neglect

  • Thousand $ 650,000

    Nursing Home Neglect

  • Thousand $ 620,000

    Thousand $ 600,000

    Thousand $ 600,000

    Thousand $ 552,000.00

    Nursing Home Neglect

  • Thousand $ 550,000

    Nursing Home Neglect

  • Thousand $ 550,000

    Motor Vehicle Accident

  • Thousand $ 525,000

    Thousand $ 500,000

    Nursing Home Neglect

  • Thousand $ 500,000

    Nursing Home Neglect

  • Thousand $ 500,000

    Thousand $ 450,000

    Nursing Home Neglect

  • Thousand $ 400,000

    Thousand $ 400,000

    Thousand $ 375,000

    Thousand $ 375,000

    Thousand $ 360,000

    Nursing Home Neglect

  • Thousand $ 330,000

    Motor Vehicle Accident

  • Thousand $ 300,000

    Motor Vehicle Accident

  • Thousand $ 267,000

    Motor Vehicle Accident

  • Thousand $ 250,000

    Thousand $ 230,000

    Thousand $ 230,000

    Nursing Home Neglect

  • Thousand $ 225,000

    Thousand $ 215,000

    Motor Vehicle Accident

  • Health Insurance Quotes Without Personal Information #health, #insurance, #quotes, #without, #personal, #information


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    Health Insurance Quotes Without Personal Information

    Опубликовано: 2 авг. 2012 г.

    Health Insurance Quotes Without Personal Information

    Precisely how can you obtain health insurance quotes without personal information? The apparent cause is that after going with all that problem, it’s very unexpected you’ll turn them down when they at last offer you a quote – specifically if there’s an extremely exceptional possibility you will certainly have to go via the entire method once more with every insurance business you investigation. Precisely how can you prevent this and also have online health insurance quotes without personal information – in additional words, a basic cost assortment?

    The present economic crisis has actually induced countless individuals to shed their health insurance plans. Due to the fact that of this, there is a significant rise of individuals pursuing to get health insurance quotes on their very own, with the demand to maintain premium prices as reduced as feasible.

    They commonly will certainly provide health insurance quotes without personal information. Additional web sites I inspected out provided me a runaround, which is merely as disheartening as useless efforts to have health insurance quotes without personal information.

    An additional possibility for obtaining health plan quotes without personal information is to make a listing of health plan business readily available in your neighborhood region (you could identify them in the Telephone directory, or inquire at a health facility), see their workplaces, and also inquire brokers there for quote pieces. It may be remarkably taxing, driving all over village to the different workplaces. While this may be a realistic possibility for obtaining health insurance quotes without personal information, there have to be a much better means.

    I have actually found the greatest means to acquire health insurance quotes without personal information is to utilize the above discussed listing of insurance business and also check out those sites. Having your health insurance quotes without personal information, you could possibly be pleasingly shocked at the inexpensive cost of some of the deals!

    There is a means around all the unnecessary aggravation! While it could not be as simple as visiting merely one internet site, it is as easy as seeing each business property webpage, and also making your very own contrast. That method, you could acquire your comprehensive medical insurance quotes without personal information.

    Precisely how can you prevent this and also receive health insurance quotes without personal information – in additional words, an overall cost selection?

    Additional websites I inspected out offered me a runaround, which is merely as irritating as useless efforts to receive health insurance quotes without personal information.

    Yet another alternative for obtaining health insurance quotes without personal information is to make a listing of health insurance providers readily available in your nearby location (you could locate them in the Yellow Pages, or inquire at a health practice), see their workplaces, and also inquire brokers there for quote pieces. I have actually found the finest means to obtain health insurance quotes without personal information is to utilize the above discussed listing of insurance providers and also see those internet sites.

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    3 Ways to Improve Your Credit Score in Less Than 5 Minutes #credit #report,credit #score,credit #cards,credit,personal #finance,financial #education


    3 Ways to Improve Your Credit Score in Less Than 5 Minutes

    If you are looking to buy a car, rent an apartment or take out a loan, you need to make sure that your credit score is at it’s best. While it takes seven years for most derogatory items on your credit report to be removed, there are a few things you can do to raise your credit score sooner.

    Pay off your credit card balance

    This is the easiest way to improve your credit score quickly. One of the major factors of your credit score is how you are using your credit. A big factor of that is your credit utilization ratio. This ratio compares your overall credit limit with the amount of credit you are currently using. Say you have an overall $10,000 credit limit and are carrying a balance of $5,000 total across your credit cards, then your credit utilization ratio would be 50 percent. Most credit experts advice to keep your credit utilization ratio below 30 percent, but if you can get it to zero, it will help dramatically raise your credit score.

    If you can’t pay off your entire balance, even paying off a little can help. The lower your credit utilization ratio, the more available credit you have and the better you look to outside lenders. Even paying of 10 or 20 percent of your overall balance can help.

    Get a new credit card

    Taking out more credit may seem counter-intuitive, but adding to your overall credit limit will raise your credit utilization ratio. Here are the two ways that getting a new credit card can help raise your credit score:

    Increase your credit limit: A new credit card will increase your overall credit limit, which in turn lowers your credit utilization ratio. The more credit that lenders approve you for, the more trustworthy you seem to other lenders. As a bonus, look for a credit card that has some great perks like cash back incentives, so you can earn money while you use it. Here is a good list of the best cards with great perks.

    Transfer your balance: If you are carrying a balance on your credit cards, you can kill two birds with one stone. If you transfer your balance to a new balance transfer credit card, you can increase your overall credit limit while also being able to pay down your credit card balance. Even better, find a credit card that offers a 0% intro APR for up to 14 months so you will have time to pay down your balance without being charged extra interest on it. These are some good all-around credit cards with a 0% intro APR for balance transfers.

    Fix errors on your credit report

    If you have errors on your credit report, fixing them is an easy way to raise your credit score. Errors can include a credit lender reporting false late payments, accounts that reportedly went to collections even though you paid, or even accounts opened in your name without your knowledge.

    First, you need to pull your credit report see if you have any errors. The government allows each person one free credit report each year from each of the three credit bureaus (Equifax, TransUnion and Experian). You can get these reports from Look over each credit report for any errors. Each credit bureau’s website includes instructions on how to file the paperwork to get an error fixed.

    If you don’t want to go through the effort of fixing errors yourself, you can also hire a credit repair company to send fix requests on your behalf. Keep in mind that credit repair companies might try to convince you to try other ways to fix your credit, but you are paying by the month, so make sure they are focusing on your errors. Here are the two best credit repair companies compared side by side .

    The Worst And Best States For Credit

    Picking the best credit card depends on your lifestyle more than the interest rate #personal #finance, #personal #finance, #credit, #credit #cards, #on #the #money, #business #news


    Picking the best credit card depends on your lifestyle more than the interest rate

    The type of credit card you put in your wallet should say something about you. Your choice of plastic answers a financial question as well as a philosophical one.

    Selecting the right card comes down to one truth: “Know thyself,” said Matt Schulz, senior industry analyst at “You should pick a credit card that fits your lifestyle.”

    Unfortunately, too many people live lifestyles more lavish than they can afford. Outstanding credit-card debt topped $1 trillion at the end of last year. the highest level since the Great Recession.

    Of course, you should know the annual percentage rate your card levies on balances. “But if you pay off your balance each month, the APR is meaningless,” Schulz said.

    Check whether the card charges an annual fee and the terms and conditions of the offer before you apply. “You don’t want to let the rewards tail wag the debt dog,” said Reed Fraasa, a certified financial planner and managing director of Highland Financial Advisors in Wayne, New Jersey.

    “If you pay off your balance each month, the APR is meaningless.” -Matt Schulz, senior industry analyst at

    Rewards cards, which dole out points when you make purchases at airlines, gas stations and restaurants, have a higher-than-average interest to compensate credit issuers for the additional perks. Keep in mind that the typical credit card charges 16.38 percent, according to .

    Here’s a scenario Fraasa uses to illustrate the financial risks: A major bank credit card pays a sign-up bonus of 50,000 points and bonus points for certain purchases. Assuming you charge $2,000 a month, you would receive about $850 in value within the year. However, if you missed two months of payments and carried $4,000 for 10 months, the card would charge more than $950 in interest and fees, eating up your gains from the points.

    “We tell clients that you don’t put anything on your credit card you can’t pay off in three months,” Fraasa said.

    NerdWallet s best travel credit cards of 2017

    More people are using credit cards for small purchases. Seventeen percent of cardholders have used their cards to buy something that costs less than $5, up from 11 percent from last year, according to a recent survey from of 1,001 adults in mid-March.

    The rise in small transactions is tied to the use of rewards cards, Schulz said. He recommends that people with good credit. a score of 720 or above, should consider opening a rewards card when they make a major buy. On average, Americans make about five purchases of more than $500 each year.

    “Cash back is the popular credit-card reward ,” said Schulz at “It’s also the simplest.”

    With other perks, such as travel miles and retailer discounts, figure out if you will actually use them for your everyday purchases or if they will entice you to overspend.

    “There is a psychology behind reward points,” said Fraasa of Highland Financial Advisors. “It’s like retailers who give out $10 coupons hoping you come to the shop and make $80 in impulse purchases.”

    “On the Money” airs on CNBC Saturdays at 5:30 a.m. ET, or check listings for air times in local markets.

    Tom Anderson Personal Finance Writer

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    Representative APR Range is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

    The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example

    Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782%
    Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
    Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%
    High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%
    Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

    The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

    Implications of Late Payment

    You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

    Implications of Non-Payment

    The costs associated with loans of up to $500 can range from 15% to 40% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

    Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

    Impact on Credit Score +

    Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history.

    Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

    Legal Disclaimer: This website does not constitute an offer or solicitation to lend. is not a lender and does not make loans or credit decisions. provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. does not charge a service fee. does not control and is not responsible for the actions or inactions of any lender. does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice.
    Subject to our privacy policy, will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

    Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
    Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

    Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.

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