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Michael New Jr.'s Articles

  • Payday Lending Responsibility - Time to Get to the Bottom Line
    Payday lenders have specific responsibilities to protect themselves and the consumers. Are they following those responsibilities? What about the responsibilities of those who use the product and service? Find out where the problem generally lies.
  • Payday Lending - Not Meant to be a "Debt Trap"
    Many consumer advocates out there today will argue that payday lenders are nothing more than loan sharks. However, there is a balance that we need to embrace when it comes to taking on individual responsibility with our borrowing habits.
  • Short-term Loans Can Provide a Quick Cash Infusion
    When it comes to cash advances, they can provide you with a quick solution to your short-term money problems. When is it right for you? Explore these questions and how to get one here.
  • Payday Loans a Savior for the Middle Class
    Payday lenders all across the country are finding that the middle class are utilizing their services more than any other social class. Why is it then that they get a bad rap for taking advantage of the poor and uneducated?
  • When is the Opportune Time to Get Yourself a Payday Loan?
    This life is full of unexpected emergencies. But when is it ok to take out a payday loan? We'll explore all the possible scenarios and let you know our opinion.
  • The Do's and Don'ts of Finding the Right Payday Lender
    With the market saturated with payday lenders of all kinds, where can you turn to find the right one for you? This article will help you sift through the bad ones and find the one that fits your style.
  • 10 Sound Budgeting Tips to Ensure Financial Freedom
    Here are 10 sound budgeting tips that will surely get you on the right track again. If you're in trouble with debt, this article is a must read!
  • Banks vs. Payday Lenders - What Makes the Most Sense Short-Term?
    Does it make more sense to go get a loan from your financial institution or a payday lender when you're looking for a short-term loan? This article discusses both sides of the situation and gives a recommendation.
  • Who Gets a Payday Loan and Money Saving Tips?
    Ever wondered who is getting payday loans? This article explains the mystery of those why use this type of product today. Also, get the money saving tips you desperately need.
  • Pros and Cons to Using a Check Cashing Store
    Have you ever wondered why people use check cashing stores, when they can go to their bank and cash a check just as easily? We discuss the pros and cons of check cashing stores in depth.
  • New Technology to Eliminate Check Fraud
    With technological advances, check cashers can rest easy with a new fingerprinting system. The new technology helps eliminate fraud in check cashing stores nationwide.
  • 10 Safe Practices to Follow When Researching a Cash Advance
    These are some safe practices to follow regarding cash advances. As you follow these simple guidelines, you'll find yourself making all the right moves.
  • What Types of Payday Lenders Are Available?
    When it comes to payday lending, there are two types of lenders, in-store and online. Which one is right for you? Where should you go to get the money you need today?
  • Faxless Payday Loans are the Way of the Future
    With technological advancements, you can apply for a payday loan completely online, without having to fax a thing! Don't keep faxing things in, learn how to apply for your loan without the added hassle.
  • What's the Deal with Payday Loans Anyway?
    The debate continues as more and more people turn to payday loans with the downturn in the market. Is it a good solution for people with bad or no credit? You be the judge after reading this article.
  • Who Uses Payday Loans?
    The payday loans industry is under some pretty big scrutiny by legislature recently. But, who uses their services and when is it appropriate? Get educated on the industry before you begin to judge it.
  • Payday Loans Spelled Out
    With questions looming about the cash advance industry, how do I know what to believe? What are payday loans, and how can they help me as a consumer? Don't be mystified by what you hear, it's more simple than you think.
  • The Skinny on Payday Quick Cash Loans
    Payday Loans are short-terms solutions to emergency situations. When used properly, they can be a lifesaver from financial woes and ridiculous bank fees. Gain the confidence you need to pull the trigger on one of these cash advances today.
  • 6 Payday Loan Tips to Get You on the Right Track
    Ever wonder if you're borrowing too much? What is the right amount, and who should you be borrowing from? Get the answers to these questions and more. Be cool and confident when applying for your next payday loan.
  • 7 Tips For Smooth Payday Loan Applicants
    Be educated and confident when applying for a payday loan after reading these 7 tips. Learn the laws, be informed, and choose the right lender.
  • Read and Understand the Fine Print
    With all the credit card offers that come in the mail these days, it's important to read what you're signing before jumping in to something you may not like. Here are some things to look for to keep your eyes sharp.
  • Steps You Can Take to Get Your Interest Rates Lowered
    Tired of credit companies ripping you off with high interest rates? Learn the secrets to getting them to lower your rates saving you hundreds or thousands in finance charges.
  • Bad Credit, No Credit, No Problem for Payday Loans
    Read all about the basics on payday lending. Learn about what they are and the requirements to be approved.
  • How to Find a Payday Loan
    Payday loans are a great resource for those in an emergency. But, where should you look to find one that is appropriate for you? Get educated on the process that is sure to prove successful.
  • Cash Advances vs. Other Credit Options
    With the political landscape up in arms against payday lenders, who can we trust? Are cash advances really evil, or do they serve a purpose? Check out the studies presented here to see for yourself.
  • The Myth of the 36% APR Cash Advance Loan
    Political pressure is forcing payday lenders out of business by capping an interest rate at 36% APR. That seems like a high enough interest rate to keep them operating. Why do they continue to claim that it's not enough?
  • Get Your First Payday Loan Like a Pro
    Have you ever taken out a payday loan? If you haven't, don't be nervous. We'll teach you all you need to know in order to act like you're a pro.
  • Finding the Online Payday Advance Lender of Choice
    Too often consumers fail to diligently seek out the best lenders and are often forced to deal with a lender who doesn't have their best interest in mind. Find out how to avoid those mistakes.
  • Short-Term Loan Options
    With the economy in a downward spiral, consumers face tough decisions in the short-term credit market. Follow these practices and you'll be making all the right moves.
  • Online Payday Loan Safeguards for Consumers
    If you've been surprised before by false statements made by advertisers of online payday loans, then look no further. Here's a list of the safeguards consumers should be aware of when choosing an online payday lender.
  • Don't Be Duped by Credit Union's Payday Loan Alternative
    Credit Unions, under pressure from consumer advocate groups, have come up with an alternative to the payday loan. Don't let it fool you though. It's just a typical payday loan dressed in sheep's wool.
  • Advantages of Using an Online Cash Advance Lender
    Get the inside scoop on the advantages of using an online cash advance lender. Make wise financial decisions after reading this article.
  • Payday Lending vs. Bank Overdraft Fees
    A common misconception amongst the media today is the fact that payday lending preys on the poor and uneducated masses. Michael New Jr. refutes these arguments and gives an example of a recent customer as an example of someone who should have used a payday loan.
  • In and Out Payday Lending
    Get the scoop on the advantages of a payday loan. Here's the story of a couple who find themselves in a mess over Valentine's Day and how they find their way out of it.
  • Who Uses Payday Loans?
    Pundits and consumer advocates would have everyone believe that the only people who use payday loans are the poor and uneducated. In reality, this couldn't be further from the truth.
  • 5 Essential Tips to Finding the Right Payday Lender
    Michael New Jr. dishes the inside scoop on the 5 most important things to understand when choosing a payday lender.

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