8.06.2008

one-stop lending, PETA and more....

Sorry for the light blogging, I've had a rather busy week and haven't had a chance to sit down and pour out some thoughts.

I can only hope that the day will come when I don't have to write posts like this anymore, but I can't stress enough how important it is for consumers to know what they're buying. In terms of cash advances and payday loans, the market is so saturated with lending services that to borrow money so blindly can potentially put yourself at great risk. Not researching your lender is doing yourself a great disservice.

What I'm getting at is...there are many Web sites that offer fast cash options..but not all of them actually fund the money. Many of these sites work with brokers, who sell your information to other lenders. So...you're not really getting a loan from www.whatevergenericpaydayloansite.com but from whomever they've decided to sell your information to. Even worse, very sensitive information has been sold to another company. That sort of thing just can't be trusted.

Instead, choose a one-stop lending service. Who will fund your payday loan themselves. Sites like www.autocashusa.com, www.paycheckatm.com, www.usapaydaylenders.com, and www.titleandpaydayloans.com are all excellent examples of Web sites who are also the bank. You can trust that they won't sell your sensitive info to some unknown source.

One should always strive to really investigate the world around them, especially when we live in such a scheming shyster-filled world. I have a similar story, that's not directly related but just goes to show you how a little bit of research can reveal a lot.

As you may or may not know, I'm a die-hard vegan. The food, the clothes, everything in my life is as animal-friendly as possible. One day, a myspace friend posted a bulletin with link to the Web site, Peta Kills Animals. The site makes claims about how the radical animal rights organization (which I support) is actually a group of murdering liars who kill and mistreat animals.



I thought to myself...."this can't be true, can it?" It just doesn't make sense...and after doing just a little tiny bit of research I figure out that it really doesn't make sense. It's a farce. Peta Kills Animals is funded by the Center for Consumer Freedom. If you visit that site on Wikipedia (link included above) you would discover that it is a lobbying organization arguing against the dangers of smoking, the unhealthiness of red meat, and who fought to keep blood alcohol levels of drivers at 0.10 percent. They also argue that the obesity epidemic is a myth and that we actually are not the fattest most unhealthiest nation in the world.

Now...one might ask themselves, "how is any of this stuff relevant to their activism against PETA, Mothers Against Drunk Driving, Greenpeace and the Humane Society?" Just look at what Wikipedia writes about who finances the Center for Consumer Freedom.

CCF is a tax-exempt 501(c)(3) U.S. nonprofit organization. As such it does not disclose the identity of its funders. However, some information is available from statements made by CCF and its funders, and on yearly IRS Form 990 filings.

Initial funding for the Guest Choice Network organization came from Philip Morris, with the initial donation of $600,000 followed by a $300,000 donation the following year. Philip Morris attorney Marty Barrington wrote in a 1996 internal company memorandum: "As of this writing, PM USA is still the only contributor, though Berman continues to promise others any day now." [27] By December, 1996, supporters included Alliance Gaming (slot machines), Anheuser-Busch (beer), Bruss Company (steaks and chops), Cargill Processed Meat Products, Davidoff (cigars), Harrah's (casinos), Overhill Farms (frozen foods), Philip Morris, and Standard Meat Company (steaks). The group's advisory panel comprised representatives from most of these companies, plus further representatives from the restaurant industry, Senator George McGovern, and Carl Vogt of law firm Fulbright & Jaworski[28]

In subsequent years, GCN acquired more donors, but was still largely funded by large corporations. The IRS Form 990 for the six-month period from July to December 1999 shows income for that period was $111,642, of which $105,000 came from six unnamed donors. Form 990s for the Center for Consumer Freedom are available for years 2002-2004 on the GuideStar website.[29][30][31] For the last available year, 2004, revenues were $3.6 million, while expenses reached $3.25 million.

By 2005 the group reported having over 1,000 individual supporters[9][3] and, according to Berman, about 100 corporate supporters[32] Other companies that have publicly acknowledged making donations to CCF include Coca-Cola; Wendy's; Tyson Foods; and Pilgrim's Pride.
So now we see who's really behind PetaKillsAnimals and argues that red meat is really quite good for you? The meat industry! Who's behind the arguments against the dangers of smoking? The cigarette industry?

That's just what it is...corporate lobbying to spread misinformation for their own financial benefit. Groups like PETA and MADD pose a threat to the meat and alcohol industry and they simply can't be trusted to dispense medical facts. I felt empowered after doing my research and had the knowledge to fight back that nonsense my soon to be ex myspace friend was talking.

The moral of the story is...always...no matter what you're buying or getting into...get on the internet and RESEARCH!

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8.04.2008

radio lab

I just discovered my new favorite thing. I've been a big fan of public radio programming for years and this love was only solidified during my four years at University, where I was a volunteer radio host/DJ in my spare time.

Yes...it's still cool to be a college radio DJ. In fact, I'd say its cooler now than ever. I wish I was still into radio and who knows? Maybe one day I'll crawl my way back in.

Until then I'll dream and listen to shows about... why I'm dreaming...why I'm sleeping, why I'm laughing. Why ants walk in a line. About the absurdity of zoos. About space and time. About science, life, culture and what makes everything tick.

It's called RADIO LAB. It's the science program I've always wanted, so easy to digest and so interesting that it leaves you wanting more. The production and writing is so smart and its absolutely fascinating. I urge you to download a podcast (very easy if you have iTunes) and give Radio Lab a try.

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journalism 101...check your facts

A few others on the Blogosphere have caught this story and I thought I'd spread the word too.

I know one of the first things they teach you in Journalism schools is how important it is to check your facts. Fact checking is like...THE fundamental element to quality journalism and one would think that this is just common sense? Right? Journalists should strive to tell the whole truth and nothing but the truth.....right?

Well I know that's a load of baloney and unfortunately, The Sacramento Bee has made a great example of themselves. I say that's unfortunate because I have had, in the past, great sentiments for The Bee.

I'm disappointed that their reporter, Claudia Buck, didn't do her homework with her piece, "The Downturn: For many in military, finances are a battlefield"

Buck used everybody's favorite buzz word "predatory lending" to call out and blame payday loans for many of the financial problems that many members of the US military have been experiencing.

Well, Ms. Buck, you totally ignored the fact that, as of October 1, 2007, payday lenders do not lend to military personnel. I'd hate to assume that you deliberately ignored that fact when writing your piece so get your facts straight!

Read the story after the jump, above.

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7.31.2008

riding your bike is NOT a crime

everyone's talking about this video and i'm doing my part to spread the word.
if you could, do the same. show your friends and family. let this asshole's example pave the way for change.

BICYCLISTS ARE NOT CRIMINALS!!!!!!!

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7.30.2008

wanna save $500 a month?

Yahoo-Finance posted some quick tips from ConsumerReports.org...

Here's one of my favorites...

Stop Paying Bank Fees
Average savings: $25

The American Bankers Association says 52 percent of consumers spend nothing on bank fees each month. But somebody's paying fees, and lots of them, because the Federal Deposit Insurance Corp. says banks collected $39 billion in account fees and penalties last year. That works out to an average of $28 per month per household. But with some planning, you can pay zero.

How to Do It

Bank at a large institution with lots of ATMs in convenient locations to avoid the cost of using other banks' machines—as much as $4 per withdrawal. And use the no-fee cash-back option at supermarkets.
Shop for free checking and strictly adhere to provisions for a minimum balance, direct deposit, or other conditions to avoid monthly fees. Keep track of checks, withdrawals, and debits to avoid overdraft fees averaging $27.

See how much an average overdraft fee costs?
$27. I know I've paid more than that before.

You know...the loans from Web sites like paycheckatm.com only cost about 15% of your loan. So if it comes to paying $27 in overdraft fees or paying $15 to get a $100 cash advance, it seems smarter to go with the lower number.

That reminds me!!

I just read this morning. Payday loans from sites like paycheckatm.com and usapaydaylenders.com can now lend up to $1200. It might not say so on the Web site, but I'm pretty sure the offer will be available when you apply.

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7.29.2008

financial abuse

Alright so... I'm feeling philosophical. bare with me.

If you think about it for a minute, there's one sin that almost the entire human race commits...every day.

Abuse....of everything.
resources. power. food. drugs and alcohol. other people...

In a way, its a natural thing, especially if you think of humans as animals. We share many characteristics of all other animals and we have the same essential needs: eat. survive. reproduce.

Animals do it too. A pack of wolves will fight and kill in fierce bloody territory disputes. A pod of dolphins will attack and rape wandering rouges. Baby birds will kill the smallest hatchling to compete for food. Wasps will destroy an entire colony of honeybees and eat the larvae. Humans pretty much do the same thing. We invade countries, steal their resources, lie, cheat and do whatever is necessary to "win the race," so to speak.

I don't really like to think of myself as part of this wild-animal picture I just painted and what gives me hope is the one thing that sets up apart from the wild and crazy animal kingdom: Our big huge noggin!

We're supposed to be smarter than dogs, dolphins, baby birds and wasps, right? We can think things out and weigh the consequences between right and wrong. We're supposed to have this great thing called CONSCIENCE, and if you watched Pinnochio as a kid, like you're supposed to, you'd know about this wondrous thing.

I try to listen to my conscience as often as possible...usually it's spot on. It's a nice way to guide myself to the right choices in life and when I do something wrong, I usually know what kind of trouble I'm getting into. Looking back on all my mistakes, I always knew I'd be setting myself up for a consequence of some sort.

So you see...your conscience is kind of like your own little personal psychic. If you listen well enough, it can kind of tell you about the future outcomes of your actions.

I applied this method of thinking to many aspects of my life. Three years ago, it led to my veganism. I absolutely couldn't continue supporting the meat and dairy industry after listening to the list of moral and physical consequences that come along with the consumption of animals.

It's why I try to ride my bike and take public transportation as much as possible.

And it's also what totally saved my behind when I was in serious financial trouble, not too long ago. I simplified everything and thought about all my spending habits as right or wrong choices. Thinking critically about my decisions, I was able to seriously cut my spending and get myself back on track. It's really important to think about your financial choices like this and constantly weigh the consequences of your monetary actions.

Should I buy that huge TV? How much money will I have left over to pay my bills and buy food?

Do I need to take out another loan? Is it the right time to take on another huge debt or can I figure out other ways to achieve my financial goals? Thinking things through will always help you find the right answer. Write a list and actually weigh the consequences on paper so you can see which path will produce the best results.

Even if you don't think you're making the wrong decisions, we might always find ourselves in a bind. Life gets random all the time but we do have resources to help counter those little wrenches that get tossed in the mix.

Sites like PaycheckATM.com and TitleandPayDayLoan.com are perfect examples of this kind of help.

Like any other loan, its important you think about what you're getting into before going through with it. Get your research done (by using sites like www.cfsa.net) and find out the right course of action for yourself.

Payday loans have a bad rep because so many people abuse them. Think about what you're going to do and how you're going to pay the loan back, make sure you have a plan and follow through with it. You'll be fine.

Apply that style of thinking to other areas of your life and it'll work wonders for you.

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just in case you forgot...DON'T!!!!

don't forget how awesome RAPTOR JESUS is.




also...i was flipping channels at my girlfriend's parents house the other day and I caught the tail end of the GRINDHOUSE intermission fake movie trailers...inbetween Planet Terror and Death Proof.

these two are so awesome.

DON'T


THANKSGIVING (this one's totally rated R...you've been warned)

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