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Wednesday, April 23, 2014

Quick Cash - 5 Ways To Get Money Quickly

No matter how much money you make from your job, it’s always nice to be able to make some extra cash on the side. However, it can be difficult to find money-making opportunities, with everything else you have going on. Luckily, it can be done. Here are five ways to get money quickly to help you pad your bank account even more.

Sell Your Stuff
Everyone has a ton of old junk lying around their home that they may not think is very useful. However, your old trash may just be considered treasure to someone else. Whether it’s old clothes, electronics or anything else, consider taking your stuff to a pawnshop, like
Gold Star Jewelers, or having a garage sale. In either way, you might be surprised to find out what people will pay for your old stuff.

Get A Loan
If you are really hurting for money and need it now, consider getting a loan through a bank or a payday loan from a financial lender. Loans should be used carefully and paid back as quickly as possible in order to avoid high interest rates. However, when you need money in a crunch, they can be incredibly helpful.

Look Online
If you already have a fulltime job, you likely won’t have the time for another one. But if you are looking for some extra money, there are usually freelance manual labor jobs that you can find in the classified listings online. Some people may need help moving or landscaping their yard, and they’ll be willing to pay someone to help them. This is a great opportunity for side money and jobs are always presenting themselves on the Internet.

If you are a healthy and able-bodied person, there are a few different options to consider that allow you to donate for money. Women can donate their eggs for hefty amounts of money and men can donate sperm, though it may be for less than what woman get for their reproductive parts. And both men and women can donate plasma, which can bring in upwards of $50 per trip.

Recycling is not only good for the environment, but it also helps you earn money as well. Some people may opt for going around and picking up old soda cans to put together a few extra cents here and there, but another option is to go for larger pieces of scrap metal. Both types of recycling can bring in a bit of extra money, if you know what to look for and where to recycle it.

Earning extra money is something many people wish they could do. But in order to do so, you may have to think outside the box and get a bit creative. Consider the options here for getting money quickly when you need it.

Monday, April 21, 2014

Selling And Buying Gold - What You Need To Know Going In

Most people are aware that the gold market offers a lot of opportunities for creating wealth and for safeguarding that wealth. But potential investors have to be aware of a number of issues before jumping in.

Price Fluctuates

First of all, most people have to accept the fact that the price of gold changes constantly and can fluctuate drastically from one day to another. Time when the price of gold drifted boringly between $400 and $500 (per troy ounce) is long gone. Nowadays, moves of $30 and more in a single day are very common. Potential investors can follow those price swings as they happen on COMEX (New York Commodity Exchange where the gold contract is traded) or The London Bullion Market. Getting acquainted with past price moves will allow you to enter the market at the most opportune moment as well as create rational expectation of the future gold price appreciation.

Behind The Scenes

Smart investors are also knowledgeable about reasons beyond gold market moves. Knowing what moves gold market will permit you to adjust your gold position according. Geopolitical tensions, possibilities of another financial crisis, instability of major currencies have all the potential to create wild price moves. And these price moves end up being very beneficial to well educated and prepared investors.

Buying 101

But before you decide to jump in, you first have to know what you are buying. Be aware that gold is classified based on its purity. Price of COMEX traded gold is for the highest quality which implies purity of not less than 99.5 percent. This corresponds to 24 karat (most often listed as simply 24k). Gold which carries 14k label has purity of not more than 58.3 percent. Consequently, such metal should carry adequately reduced price tag.


In addition to its purity, some gold coins will carry significant premium due to their historical and archeological value. Such coins or items might be worth multiples more than the metal itself and will often appreciate in value much more over time.

Reputable Dealers

Investors also have to be aware that not all gold dealers are the same. Some may be less informative of gold they are selling, and some who sell gold may not be established dealers at all. It’s always a good idea to stay away from them. Those that are reputable will be well established and have business in operation for a considerable amount of time. They will also clearly mark their prices and purities and be ready to explain rationality behind them. The Sacramento Gold Dealer is a great example of a reputable dealer.

Also get acquainted with how easy it would be to sell your gold back to your dealer in the future, their forms of payment and terms.

Knowing all these factors will help you to obtain the most out of your potential investments and maximize your return.

Tuesday, April 15, 2014

Cash Crunch: 5 Ways You Could get Quick Cash Within a Day

It happens to the best of us. Payday is a few days away, but you need cash now. Maybe your car broke down or your kids need money or a field trip at school. No matter the reason, here a few ways to get extra cash to help you make it to payday.

Use Your Car

Offer to give someone a ride. Websites like Uber and Lyft allow you to connect with visitors to your city that need a ride. You simply input the times you are available and customers will come to you.
Pros: You can make extra money and meet interesting people.
Cons: You never know who you are going to meet, so this could be a bit risky.

Market Your Skills

You don't have to make anything fancy, simply put up a few flyers around town advertising your skills. You could offer to walk dogs, babysit, cut grass or even edit papers for extra cash. Scroll through your cell phone - who do you know that might be willing to give you a little bit of money for a job well done?
Pros: You can set your own hours and rates. Also, you will get paid as soon as the job is completed.
Cons: It could take more than a day to get a positive response.

Work as Day Laborer

If you don't have a regular full-time job, you may consider work as a day laborer. An internet search or your local phone book should list employment agencies that supply day laborers to businesses.
Pros: A day worked is a day paid. More than likely, you will be paid the same day.
Cons: You could end up doing all manner of work from picking up trash at a construction site to heave lifting.

Clean Out Your Closet

Everyone has something in the back of their closet that hasn't been used for years. Why not turn it into extra cash? While internet yard sales are common, if you need cash quickly, consider a local pawn shop like Sam Light Loan Company. They will value your item while you wait and pay you cash on the spot. You can choose to either sell the item or pawn it. With a pawn, the shop gives you a loan that you must repay, with interest. Once you have repaid the loan, you will get your item back. If you choose to sell it, the pawn shop keeps the item and you are not responsible for paying anything back.
Pros: You don't have to worry about shipping or the buyer backing out of the sell.
Cons: Some pawn shops charge very high interest on their loans.

Micro Jobs

If you need money but don't want to leave your house, consider taking on a few micro jobs. Sites like ClickChores offer a variety of simple tasks to complete. Most only require a few seconds. If you work fast, you can complete several of these in practically no time and earn some extra money while you're at it.
Pros: Tasks are very quick and easy to complete.
Cons: Most pay less than $1.00 per task, so you will need to complete several.

Thursday, April 3, 2014

Loan Checklist: Comparing Five Quick Loan Options

Sometimes, emergencies occur that require a quick source of money. There are several different loans that are available that will be able to provide access to this money.

1. Small-Dollar Loans

Because of the increasing need for smaller, short-term loans, the FDIC created the Small-Dollar Loan Pilot Program in 2008 that makes money available for loans less than $1,000 at roughly the same ease of access as payday loans, but without the high APRs and fees. The APRs for these loans tend to be between 5% and 36% and are slightly more difficult to obtain, but are usually relatively safe.

2. Payday Loans

Payday loans are short term, high interest rate loans that are available to basically everyone, even if they have a low credit score. They allow a person to take out the money for a fee which is then supposed to be paid back at the next payday, usually within two weeks. The main advantage from companies like Cash 2 Go is that the loan allows the person to get money quickly. However, this money is gained at a high APR and you will end up paying fees.

3. Short Term Small Loans

The National Credit Union Association created the Short Term Small Loan Program that allows credit unions to give members loans that are between $200 and $1,000 for an APR of 28% or less. When an STS loan is repaid, a person's credit score will be raised, allowing that person to access loans in the future for lower rates of interest.

4. Cash Advance from an Employer

Another viable option for a quick loan is by getting a cash advance from an employer. This is usually easy to do, especially if a person is highly thought of in the company. While doing this more than once will negatively affect a person's financial situation and social situation where he or she works, doing it once allows money to be accessed with a minimal amount of fees and risk. There is also no way for the debt to snowball.

5. Secured Credit Card

This type of quick loan requires some advanced planning, but is excellent for those with a poor credit score. Money will be put down ahead of time as collateral that will determine how much credit will be extended. Then, the card can be used for emergencies that would ordinarily require loans. The fees and interest rates vary from card to card.
Do some research to determine which short term loan is the best for your financial situation. Look for low APRs and consider the fees involved with any loans.

Friday, March 28, 2014

Quick Rundown of the Legal Side of Bankruptcy

All bankruptcy cases are taken care of through any of the three bankruptcy courts that are based in Pennsylvania. Although the United States codes for bankruptcy are uniform in every state, there are various regulations that are based on data from each state. For example, every bankruptcy court has its own specific rules concerning managing cases and filing petitions. Here is a quick rundown to help you understand the legal processes in bankruptcy.

Chapter 7 Bankruptcy Laws

Anyone is eligible to take advantage of a Chapter 7 bankruptcy. However, it is not always the best option. It is normally a good idea to discuss your options with bankruptcy law attorneys. Anyone who is dealing with debt that they are no longer able to pay can take advantage of a Chapter 7 bankruptcy. After filing for a Chapter 7 bankruptcy, all of a person’s assets are sold in order to pay the various creditors the money that is owed. Once this has been done, all of the debts will be discharged. Fortunately, there are certain assets that can be exempt. Using the services that are offered by All Family Law Group, P.A. and other bankruptcy lawyers can help you keep some of your assets.

Chapter 13 Bankruptcy Laws

A Chapter 13 bankruptcy is designed to help men and women make their payments in installments. These payments are dealt with through the help of a trustee. A Chapter 13 bankruptcy gives men and women the chance to be able to have more time to make payments on the debts that are owed. Although some assets may be sold to pay that person’s creditors, it is possible for a person to keep their assets using Chapter 13 bankruptcy. In addition, it is possible to have the amount of money owed to be reduced. In order to be eligible for a Chapter 13 bankruptcy, the person’s debt must fall under a certain number that changes every three years.

Exempt Assets

Property that can be exempt from the bankruptcy process includes residential property, jewelry, furniture and a vehicle. In addition, disability, veteran’s administration, welfare, unemployment compensation and social security benefits are exempt. Various pension benefits may be exempt as well.

Chapter 11 Bankruptcy Laws

Any corporation that is based in Pennsylvania can take advantage of a Chapter 11 bankruptcy. The debt limits for a Chapter 11 bankruptcy are normally higher. For example, it can be as much as 10 million. The amount of debt that is owed is normally eliminated after all of the assets have been sold.
Bankruptcy laws in Pennsylvania are inclusive. However, it does not take much to understand the basics of these bankruptcy laws. It is important to know a little about bankruptcy laws in order to deal with bankruptcy properly. A bankruptcy lawyer is required as well in order to ensure that your finances are handled properly.
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