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Payday Loans In The United States
A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday." The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries and, within the United States, between different states. To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. In the United States, the rates of these loans were formerly restricted in ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Payday Loan Shop Window
A pay day or payday is a specified day of the week or month when one is paid, usually workers collecting wages from their employers. Pay Day, PayDay or Payday may also refer to: Arts, entertainment, and media Films * ''Pay Day'' (1918 film), a film by Sidney Drew * ''Pay Day'' (1922 film), a film by Charlie Chaplin * Payday (1944 film), a short film * ''Payday'' (1972 film), a film directed by Daryl Duke and written by Don Carpenter * ''Payday'' (2018 film), a Nigerian comedy drama film Games * ''Pay Day'' (board game), a board game by Parker Brothers * '' Payday: The Heist'', a video game * ''Payday 2'', a video game and sequel to ''Payday: The Heist'' * Payday 3, an upcoming sequel to Payday 2 Music * ''Payday'' (album), solo album by Lil' Fizz * "Payday", song by Alesso * "Payday", song by Jesse Winchester covered by Elvis Costello on ''Kojak Variety'' * "Payday", song by Doja Cat from her 2021 album ''Planet Her'' Television * ''Payday'' (Canadian TV series) (1973 ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
United States Post Office Department
The United States Post Office Department (USPOD; also known as the Post Office or U.S. Mail) was the predecessor of the United States Postal Service, in the form of a Cabinet department, officially from 1872 to 1971. It was headed by the postmaster general. The Postal Service Act, signed by U.S. president George Washington on February 20, 1792, established the department. Postmaster General John McLean, in office from 1823 to 1829, was the first to call it the Post Office ''Department'' rather than just the "Post Office." The organization received a boost in prestige when President Andrew Jackson invited his postmaster general, William T. Barry, to sit as a member of the Cabinet in 1829. The Post Office Act of 1872 () elevated the Post Office Department to Cabinet status. During the American Civil War (1861–1865), postal services in the Confederate States of America were provided by the Confederate States of America Post-office Department, headed by Postmaster General John He ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Allan Jones (businessman)
William Allan Jones Jr. (born December 31, 1952) is an American businessman from Cleveland, Tennessee. He is the founder, chairman, and CEO of Check Into Cash, Creditcorp, Jones Management Services, and the Community Financial Services Association, as well as several other local lending agencies. He has been called the "father of the payday loan industry" for founding and building the first major payday loan chain. Early life and education Jones was born on December 31, 1952, in Cleveland, Tennessee to William A. (Bill) Jones (1919–1981) and Virginia Slaughter Jones (1925–2003). He was the first baby to ever be born at Cleveland's Bradley Memorial Hospital. In 1984, Jones' daughter, Abby, was the first baby born at the hospital's new Women's Center. Jones donated the first Mother's Garden at the hospital in honor of his mother, wife, and daughters. Jones attended Cleveland High School, where he wrestled and won various awards and served as team captain. He graduated in ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Check Into Cash
Check Into Cash is a financial services retailer with more than 1,100 stores in 30 states. The company was founded in 1993 by W. Allan Jones in Cleveland, Tennessee, where the headquarters are located today. The firm offers payday loans, online payday advances, title loans, bill payment services, check cashing, reloadable prepaid debit cards, and Western Union money transfers and money order services. History Jones founded Check Into Cash in 1993. He has been referred to as "the father of the payday lending industry" for creating the first national payday lending chain. In 1973, at age 20, he left college, where he had been pursuing a business degree, to help stabilize the family’s business, the Credit Bureau of Cleveland (TN). He purchased the reporting and debt collection business in 1977 and built it into one of the largest credit bureau databases in Tennessee. He sold the credit reporting side of the business to Equifax in 1988, retaining the name and collection agenc ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Microcredit
:''This article is specific to small loans, often provided in a pooled manner. For direct payments to individuals for specific projects, see Micropatronage. For financial services to the poor, see Microfinance. For small payments, see Micropayment.'' Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment, or a verifiable credit history. It is designed to support entrepreneurship and alleviate poverty. Many recipients are illiterate, and therefore unable to complete paperwork required to get conventional loans. As of 2009 an estimated 74 million people held microloans that totaled US$38 billion. Grameen Bank reports that repayment success rates are between 95 and 98 percent. Microcredit is part of microfinance, which provides a wider range of financial services, especially savings accounts, to the poor. Modern microcredit is generally considered to have originated with the Grameen Bank founded in Ba ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Deregulation
Deregulation is the process of removing or reducing state regulations, typically in the economic sphere. It is the repeal of governmental regulation of the economy. It became common in advanced industrial economies in the 1970s and 1980s, as a result of new trends in economic thinking about the inefficiencies of government regulation, and the risk that regulatory agencies would be controlled by the regulated industry to its benefit, and thereby hurt consumers and the wider economy. Economic regulations were promoted during the Gilded Age, in which progressive reforms were claimed as necessary to limit externalities like corporate abuse, unsafe child labor, monopolization, pollution, and to mitigate boom and bust cycles. Around the late 1970s, such reforms were deemed burdensome on economic growth and many politicians espousing neoliberalism started promoting deregulation. The stated rationale for deregulation is often that fewer and simpler regulations will lead to raised level ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Photo Of Allan Jones
A photograph (also known as a photo, image, or picture) is an image created by light falling on a photosensitive surface, usually photographic film or an electronic image sensor, such as a CCD or a CMOS chip. Most photographs are now created using a smartphone/camera, which uses a lens to focus the scene's visible wavelengths of light into a reproduction of what the human eye would see. The process and practice of creating such images is called photography. Etymology The word ''photograph'' was coined in 1839 by Sir John Herschel and is based on the Greek φῶς (''phos''), meaning "light," and γραφή (''graphê''), meaning "drawing, writing," together meaning "drawing with light." History The first permanent photograph, a contact-exposed copy of an engraving, was made in 1822 using the bitumen-based "heliography" process developed by Nicéphore Niépce. The first photographs of a real-world scene, made using a camera obscura, followed a few years later at Le Gras, Fra ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Yellow Pages
The yellow pages are telephone directories of businesses, organized by category rather than alphabetically by business name, in which advertising is sold. The directories were originally printed on yellow paper, as opposed to white pages for non-commercial listings. The traditional term "yellow pages" is now also applied to online directories of businesses. In many countries, including Canada, the United Kingdom, Australia, and elsewhere, "Yellow Pages" (or any applicable local translations), as well as the "Walking Fingers" logo first introduced in the 1970s by the Bell System-era AT&T, are registered trademarks, though the owner varies from country to country, usually being held by the main national telephone company (or a subsidiary or spinoff thereof). However, in the United States, neither the name nor the logo was registered as trademarks by AT&T, and they are freely used by several publishers. History The name and concept of "yellow pages" came about in 1883, when a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Post-dated Cheque
In banking, a post-dated cheque is a cheque written by the drawer (payer) for a date in the future. Whether a post-dated cheque may be cashed or deposited before the date written on it depends on the country. A Canadian bank, for example, is not supposed to process a post-dated cheque and if it does so by mistake, the cheque writer may ask their bank to correct the error. In the United States and the UK, post-dated cheques are negotiable instruments and can be drawn upon at any time, while in India and Australia post-dated cheques are not payable until the date written on the cheque. Practices in various countries Australia Under Australian law a post-dated cheque is valid under the Cheques and Payment Orders Act 1986. 16. (1) Where a cheque, or any indorsement of a cheque, is dated, the date shall, unless the contrary is proved, be presumed to be the day on which the cheque was drawn or the indorsement made, as the case may be. (2) A cheque is not invalid by reason only that- ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Check Into Cash Store
Check or cheque, may refer to: Places * Check, Virginia Arts, entertainment, and media * ''Check'' (film), a 2021 Indian Telugu-language film * ''The Checks'' (episode), a 1996 TV episode of ''Seinfeld'' Games and sports * Check (chess), a threat to capture the king or general * Check (poker), declining to bet * Checking (ice hockey), several techniques * Cross-check, in chess, a check played in reply to a check * Poker chip, less commonly referred to as a check Music * "Check" (Meek Mill song), 2015 * "Check" (Young Thug song), 2015 * "Check", a song by Chris Janson from the album '' Real Friends'' * "Check", a song by E-40 from the album '' The D-Boy Diary: Book 1'' * "Check", a song by Kojo Funds * "Check", a song by Lil Durk from the album ''Lil Durk 2X'' * "Check", a song by Max Webster from the album ''Universal Juveniles'' * "Check", a song by Nas and Rick Ross from the soundtrack to ''Creed II'' * "Check", a song by Quin NFN * "Check", a song by Qveen Herby from the ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Salary
A salary is a form of periodic payment from an employer to an employee, which may be specified in an employment contract. It is contrasted with piece wages, where each job, hour or other unit is paid separately, rather than on a periodic basis. From the point of view of running a business, salary can also be viewed as the cost of acquiring and retaining human resources for running operations, and is then termed personnel expense or salary expense. In accounting, salaries are recorded in payroll accounts. Salary is a fixed amount of money or compensation paid to an employee by an employer in return for work performed. Salary is commonly paid in fixed intervals, for example, monthly payments of one-twelfth of the annual salary. Salary is typically determined by comparing market pay rates for people performing similar work in similar industries in the same region. Salary is also determined by leveling the pay rates and salary ranges established by an individual employer. Salary is ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
