Tuesday, November 10, 2015

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Bad Credit and Loans to Payday by Direct Payday Lenders Bad Credit and Loans to Payday by Direct Payday Lenders
By Jake Royce
Many people find themselves struggling financially in today's constantly changing economic times. Lots of good, deserving people are losing their jobs. This leads to immense stress of wondering about how they would be able to pay their bills and take care of their families. Still, even people that are fortunate enough to keep their job often face financially overwhelming situations. All sorts of emergencies happen in life, and they often cause unexpected expenses. Oftentimes, that paycheck just does not seem to last the entire month until the next payday. When people run short on money they usually either try to lower their spending or, in the worst case, borrow money. However, given today's economic state, many people realize that their credit is less than perfect and for many it is just bad. Plus, if they have borrowed money before, it gets progressively more difficult to get a new loan with bad credit and loans that are outstanding.
Still, there are a number of solutions to this common problem. One of them, which became especially popular over the last few years, is to obtain a payday loan. This is a loan that is given for a short period of time - usually until the applicant's next payday. There are quite a few lenders on the market today that provide these loans. However, if people want to minimize their losses and get the best terms possible, it is always a smart idea to choose direct payday lenders for borrowing money. There are a number of benefits to working with a direct payday lender, so let us take a look at three of them.
1. Direct payday loans are entirely non-credit based. That means that whenever a person is working with direct payday lenders, they do not care about his credit at all. In fact, they do not even bother to check his credit when considering his loan application. Primarily, all they care to know is that the applicant has a job or some sort of consistent income and when the paydays take place. Normally direct payday loans are meant to be paid back on the applicant's next payday. The amounts of such loans usually range from $100 to $1500. These lenders assume that most applicants have bad credit, so the interest on these loans is much higher than any other traditional loan. They know that when people apply for loans to payday, it is highly likely that this solution is their only option to find the money that they need.
2. Loans to payday by direct payday lenders are remarkably easy to apply for. Most of these lenders let people apply right on their website any time of day or night. This sets them apart from traditional lending institutions where the applicant would have to depend on that lender's business hours. This way people can apply for these direct payday loans from home right on their computer. The applications are also extremely short and only ask for the basic information. An average application takes just a couple of minutes to complete and submit. Plus, most of the time the applicant is notified of whether he is approved immediately or within minutes.
3. Also, direct payday lenders that provide loans to payday are normally able to offer the best possible terms on such loans, compared to non-direct lenders or brokers. These loans are already rather expensive, so it does not make sense paying any more in interest than what is absolutely required. Aside from that, direct payday lenders are also more flexible than others. They are often able to offer extended repayment terms, going beyond the next payday. Sometimes they even allow borrowers to pay just the interest on the required payment date and extend the principal of the loan till the next payday.
Certainly, whenever people take out loans to payday, it is always a smart idea to pay off these loans as quickly as possible to mitigate losses. Some people even call these a necessary evil. However, for someone with existing bad credit and loans that are still outstanding, these direct payday loans may truly serve as an answer to their immediate problem. Of course, if used in a smart and responsible way, direct payday lenders are indeed a phenomenal resource for temporary financial assistance.
Jake Royce is a serial business owner, both on and offline. He also enjoys discussing such topics as money, finance and loans. He created a FREE and very detailed resource for instant approval payday loans by direct payday lenders. You can easily take advantage of this resource by visiting http://www.loans-from-home.com
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Payday Loans Help Purchase Gas In California
By [http://EzineArticles.com/expert/Holly_Petherbridge/1351286]Holly Petherbridge

Need an online payday loan to purchase gas? You may if you live in California. The prices have jumped up an average of close to one dollar per gallon in less than two weeks leaving many in the workforce struggling just to get to work.

Refinery and pipeline problems have put a squeeze on the fuel supply which created record high prices at the pump. Areas which are highly affected by unemployment are being hit with the highest prices. How can I get a payday loan when I have no job and cannot afford fuel to get there? Many areas in Southern California are shelling out close to $5.00 per gallon.

Californians may catch a break if the Governor's request for early release of the winter's blend of gas is approved. The winter blend is a gas which evaporates more readily into the environment during hot weather. The summer blend is less harmful to the environment. Usually, the winter blend does not hit the market until the end of October, but even if it does get released early, it will take several days for price relief to hit their tanks.

Is filling your gas tank an unexpected cost which would justify taking out an online payday loan? It could be for many. Knowing that the high gas prices will be around for a bit and the commute to work stay the same, it just may take a low cost payday loan to get by till prices begin to drop.

How do you handle a quick unexpected demand on your income? Do you have a savings account? How about a credit card with an open balance which could take the hit of filling your gas tank at almost $5 per gallon? Would you use an online payday loan in order to fill your tank up this week? What other options are there for people who live paycheck to paycheck?

It is a good thing that California is a state which allows low cost loans. There are certain regulations which lenders will have to follow, but the availability of quick cash when your budget cannot handle the overload is a good option to have. Think about if California was one of the states which banned all payday loans, how would someone with no other credit options find the cash to fill the tank and pay the normal bills? It would be disastrous financially as people go without paying their bills in order to get to work.

Let's hope there will be quick relief at the pumps. Those in a panic for money may learn to start a savings for situations just like this. When you have no personal resource, depend on a responsible lender who will offer lower fees. It is good to know your lender prior to landing at the gas tank, so a quick application is all it takes. If you have never used a [http://www.spotya.com/blog/?p=5618]payday loan online or do not know anyone who did, you will not want to comparative shop for one who uses best practices.

Spotya! Payday Loans does not advocate using a payday loan for just any type of spending. Our loans are meant to be short-term being paid off with the borrower's next paycheck. Visit http://www.spotya.com for more information on payday loans.

Article Source: [http://EzineArticles.com/?Payday-Loans-Help-Purchase-Gas-In-California&id=7444489] Payday Loans Help Purchase Gas In California

Clueless Payday Loan Opponents
By [http://EzineArticles.com/expert/Robert_Batch/277463]Robert Batch

There are lenders in every industry that are predatory, and do not have the best interests of their clients at heart. Banks that give mortgages to people who buy houses they can't afford, dealerships that sell cars that are too expensive for the people who buy them, and yes, there are payday lenders who give loans for more money than people should borrow.

There are people and organizations that think that restricting people's borrowing rights qualifies as an act of good will. Many of these people are upper-middle class suburbanites who think that they're making the world a better place.

It helps alleviate their guilt for driving past homeless people during their commute to work in their $50K SUV and drinking their $5 Starbucks coffee. It makes them feel as though they're helping the poor without actually having to spend time with any of them.

Payday loan opponents have never actually needed a payday loan so they don't actually know the details of how they work or that some people can actually benefit from them. They like to throw out terms like "loan shark", even though loan sharking is illegal, and payday loans are not. Loan sharks hold onto to things you own as collateral, your car, a stereo system, etc. If you don't pay the loan back on time, they keep your things and you still owe them the money. If you still take too long paying them back, they start hurting you physically.

The following examples are organizations and types of people that offer no actual solution for people in financial trouble to get access to cash, they only focus on banning an option that thousands find helpful.

Arizonans For Responsible Lending: No actual solutions for struggling people.

This special interest group has spent hundreds of thousands of dollars producing anti-payday loan propaganda including several television commercials, one of which is offensive. They have testimonials on the home page of their website from people who claim that payday loans almost ruined their lives. One woman claims that she had to get a second job to pay off her 4 payday loans. Maybe she shouldn't have borrowed more than she could afford to pay back and got the second job to start with.

Total number of alternatives they offer instead of payday loans: 0

ACORN: Laws don't apply to us.

Also known as the Association of Community Organizations for Reform Now, is a special interest group of anti-corporate radicals that claim to have the poor's best interests at heart. They like to gather outside payday loan stores and harass people that work there, and people who go there who need money.

I guess since they feel that they're helping people that they can side-step the law. They have been in the news because ACORN employees have been convicted of voter registration fraud. They sued California to avoid paying their own employees at least minimum wage (Not illegal per se, just a little ironic for a group fighting for the rights of the poor.) Fires their own employees if they try to unionize, the list continues...

Local journalists: All buzz, no content.

It's amazing how inaccurate and biased local reporters can be. Whether it's Arizona, Ohio or any one of several other states the local reporting is unbalanced and lacking facts. At best, many of these writers submit the uninspiring articles with the same tired "loan shark" theme. At worst, this news is inaccurate and biased. In many instances these articles read like press releases directly from special interest groups.

Politicians: We'll tell you how to manage your money

There's nothing worse than a hypocrite. There's no shortage of Senators, Congressmen, Mayors and Councilmen who are in the pockets of special interest groups like ACORN who do little research into what people need, or are interested in developing solutions for the under-privileged. Politicians take away borrowers rights to get access to cash because they want to tell adults how to spend their money. Then they turn around and completely mis-manage and over spend your tax dollars.

Tommy the Loan Shark: Annoying, self-promoting grad students

It's hardly worth mentioning, but it's such a typical example of an opponent to payday loans. There's a blog run by two grad students, one of whom is Jim Nixon. The other is a friend of his who dresses up in a big, blue shark costume. The two of them go around political press conferences in Philadelphia with their bull-horn and pretty much start up a scene then blog about it later.

Again, no reasons why payday loans are no good, no payday loan alternatives, just a couple of kids trying to get a rise of people then drive home in their parents Volvo.

These services allow people to get a payday loan [http://www.paydayloanmaxx.com/] when money is tight. If you're considering getting a cash advance [http://www.paydayloanmaxx.com/cash-advance.php], make sure you only borrow what you need.

Article written by Robert Batch, contributing writer for Payday Loan Maxx

Article Source: [http://EzineArticles.com/?Clueless-Payday-Loan-Opponents&id=1770729] Clueless Payday Loan Opponents

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The Great States of Taxes By [http://EzineArticles.com/expert/Gene_Lalor/229391]Gene Lalor Let's have a nice round of applause for Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Those are the only 9 states without a personal income tax and where citizens don't have to wait for their state governments to send them their annual refunds for overpaid taxes. And, let's have a rousing Bronx cheer for those taxpaying dolts expecting a hefty refund from their respective state governments for giving those governments, as well as the feds, an interest free loan for a year or more. You usually only get a big refund if you have your employer over-withhold taxes from your wages so you're effectively giving the federal treasury as well as your state and local governments that tax free loan. I must say that's very generous of all you hefty refunders out there. It's also very stupid. Even dumber are taxpayers who agree to over-withholding in states having the greatest troubles balancing their budgets. Those are the states-including California and New York-which have announced that they will be glomming even more money from their hapless denizens by not issuing refunds on time. Try taking one of Governor Arnold's IOU's to the bank or grocery store or to that travel agency that was booking your trip to the Bahamas with that refund "windfall." You may have to settle for a trip to the backyard until your governor gets around to returning your money. You should receive interest on that extended, forced loan but don't bet on it. As Tax Freedom Day, the day on which working Americans will have paid up all their federal, state and local tax levies, approacheth, it may be time for some taxpayers to re-jigger their W-4's, unless of course they enjoy giving interest-free loans to politicians. Those who don't relish such grand displays might want to consider hiking their "dependents" to a number commensurate with their deductions. It's all quite legal but try not to underpay or else you'll be hit with a minimal penalty. Many taxpayers over-withhold as a way of compensating for an inability to save money on their own. They use taxes as a form of forced savings and like seeing that big refund check come in the mail. Again, it arrives sans interest as opposed to your getting your money every payday which you could then invest. If your refund usually amounts to 2 or 3 digits, that advice is irrelevant. If it comes to 4 or 5 digits, it would amount to some real money if invested judiciously. Tax Independence Day or Tax Freedom Day, the day on which Americans finally pay up their annual taxes changes every year, usually gets later and later. For 2009, it was April 13th, meaning the average American had to work 103 days to pay off various taxes. Keep in mind that's an average. Alaskans were paid up 3 weeks earlier, Connecticut and New Jersey workers weren't done coughing it up until 3 weeks later. By way of comparison, a hundred years ago tax free day was January 19th and the tax burden was a paltry 5%; fifty years later it stood at April 11th and the burden at 28%; a half century later, the date had moved up by 2 days, and the tax burden held steady at 28%. Those numbers sound pretty fair and reasonable unless one considers the much larger pie that governments were slicing in 2009 vs. 1960. Let's see what they look like after a decade of obamacare. Much of the rest of the world views America with a pronounced case of tax envy: Canadians work work until June 6th and pay 43% of their hard-earned money to various levels of government. Other dates and percentages include the semi-socialistic UK coming in at May 14 and 37%, France at July 15 and 54%, and the winners of the tax sweepstakes, Sweden and Norway, July 29th and 57%: http://bit.ly/8ZBRW9 Americans can't hope to compete with those tax burdens, yet. But, if you thrive on the idea of wasting money in unnecessary tax withholding, keep it up! Your generosity helps keep my taxes down. http://genelalor.com Article Source: [http://EzineArticles.com/?The-Great-States-of-Taxes&id=3957909] The Great States of Taxes 







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How to Have a Great Time at Milwaukee Concerts By [http://EzineArticles.com/expert/John_Chambers/385254]John Chambers Milwaukee has three great performing venues called Riverside Milwaukee, Turner Hall Ballroom, and Pabst Theater Milwaukee. Milwaukee concerts that take place here are always a blast - even if the band wasn't the greatest, I am usually not disappointed with my experience at any of these three venues for the following reasons: 1. The beer they sell at the bars inside of these halls is good and reasonably priced. The bartenders are usually relatively polite. 2. The architecture, inside and outside, is amazing. These are fine, old, restored Milwaukee buildings, and its a pleasure to see Milwaukee shows in such a beautiful hall. 3. The acoustics inside the hall are well designed - these places sound good, and so they usually don't have to turn the volume way too high. 4. They will occasionally run specials on tickets and/or beer, especially for frequent concert-goers. 5. All three locations are in or around downtown Milwaukee, so its possible to take the bus to avoid the hassle and cost of parking, but it is still possible to find parking, depending on what else is going on in downtown that night. I usually drive when I go to concerts in Milwaukee; you have to know where the good spots are. By contrast, there exists another popular performance venue called The Rave Milwaukee. The main hall, called the Eagle's Ballroom, offers big time stadium types of Milwaukee concerts. Many touring artists end up playing here because it is so big that it's almost impossible to sell out, so everyone involved in the production of these concerts in Milwaukee makes more money than if they had played at a smaller place like the Pabst Theater Milwaukee. Some bands do well in huge stadium venues like the Eagle's Ballroom, but many don't. The sound is very live and the room is enormous, resulting in lots of echo. I suspect that this hall is so popular just because people are unaware of this. Unless you have tickets to see your favorite stadium rock Queen cover band at the Milwaukee Rave, you may want to avoid Milwaukee concerts at this hall. Milwaukee resident John Chambers writes at Eat Milwaukee dot Com - a local blog reviewing Milwaukee events [http://eatmilwaukee.com/] and other topics of interest to tourists and locals alike. Check out his website at EatMilwaukee.Com for more information about Milwaukee concerts [http://eatmilwaukee.com/15/milwaukee-events/concerts-in-milwaukee/] or other events. Article Source: [http://EzineArticles.com/?How-to-Have-a-Great-Time-at-Milwaukee-Concerts&id=2830881] How to Have a Great Time at Milwaukee Concerts
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What Exactly Is a Hard Money Loan Company and Where Is It Possible to Locate Them? By [http://EzineArticles.com/expert/Alva_Rado/1236251]Alva Rado Hard money is mostly a phrase which is used to distinguish a sort of loan which can be completely different from traditional bank lending. Loans from banks are often times made to amazing consumers while using terrific real estate as security. Any loans that will be funded by using a hard money lender are often real estate structured loans. This means the underlying property is definitely the significant focus for the lender. The particular property is definitely the most important aspect for the simple reason that it is the property that will be the most crucial source of reimbursement for that loan. The debtor can be taken into consideration, though a lot less emphasis is placed on them. Any time the lender will be examining a loan case, there are specific elements the loan originator may need to fully understand. The main item of material importance they will likely want answered is what is the property. There are lots of property styles and certain hard money loan companies can be interested in simply a minor segment, while other companies could fund a loan relating to every one of the property types. A further issue the lender would have is in connection with valuation of this property. The worth of the property can be decided by a professional, such as an appraiser, or possibly by the judgment of a real estate professional. Periodically the tax-assessed value of the property is enough. The moment the particular property is actually identified and also the value figured out, the next piece of information that is desired is the loan amount required. Acquiring the following essential information lets the hard money lender decide if your loan demand can be accomplished. Then, more information will be expected. Any additional information could be, budgetary records, images of the property, and even more. Now that the loan provider has underwritten your loan, it is not uncommon for them to fund the loan in a short time frame. In some cases, the loan can be structured in only a single week. It is very important to take note, that your loan with a hard money lender is usually more costly compared to a traditional bank. The rates plus charges can be more than what will you pay if you got a loan from a bank. Even though the use of a hard money lender may seem interesting when you consider the quickness in funding that loan, along with the easier underwriting standards, it'll cost far more. In cases where a borrower cannot acquire a loan from the bank, you'll find alternatives when you look at a loan with a hard money loan company instead. To find a lender the most effective way will be to search the web. By means of keywords and phrases that are targeted towards your property, together with your specific site location, a lot of solutions could be available to choose from. A few lenders will look at loans that are anywhere in the US. Some others are specific towards an area, like Oregon. While others mainly need to do loans inside some urban cities, like Seattle. To acquire more information on the subject of [http://www.privatecapitalnw.com]hard money and the lending products hard money lenders supply you're able to learn plenty by performing a search on the net and at different web pages. Private Capital Northwest is a Hard Money Lender that specializes in asset based loans for commercial and investment properties located in Washington, Oregon, and Idaho. You can learn more by visiting [http://www.privatecapitalnw.com]www.privatecapitalnw.com Article Source: [http://EzineArticles.com/?What-Exactly-Is-a-Hard-Money-Loan-Company-and-Where-Is-It-Possible-to-Locate-Them?&id=6730188] What Exactly Is a Hard Money Loan Company and Where Is It Possible to Locate Them? What Exactly Is a Hard Money Loan Company and Where Is It Possible to Locate Them? By [http://EzineArticles.com/expert/Alva_Rado/1236251]Alva Rado
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What to Know About Moving to Washington DC
By [http://EzineArticles.com/expert/Jason_Kay/187105]Jason Kay 

If you are considering a move to Washington DC, there are some things that you should know about before you actually pull the trigger. Washington DC is considered by many as a great place to live. There are many prospects for the right person in the Nation's Capital as it is filled with many types of job opportunity. However, Washington DC may or may not be right for you, so it helps if you look into what is store for you if you do decide to make the move to Washington DC.

Washington DC is made up of a vast network of professional and Government jobs. Obviously, if politics are your thing, then Washington DC would be the ideal place for you to be as it is home to the legislative, judicial, and executive branches of Government. However, because Washington is such a virtual hot bed for Government, it makes it extremely competitive for those seeking a job in the political spotlight.

Many younger people come to DC straight out of college with aspirations of getting into Government and are surprised to find that it is not as easy as they anticipated. While Washington DC obviously offers much more than mere politics as a career, if you are seeking Government employment, you might want to be sure that your services will be needed before you make the actual move. Of course you could always take an entry level position and hope to work your way to the top, but keep in mind that there will already be many established in Washington DC doing the exact same thing which makes your plight all the worse.

Another factor to consider with Washington DC is the price, or more accurately, the cost of living. Rents are not cheap by any means in the Washington area and this often leaves newcomers with some level of shellshock. Washington DC is comprised of a diverse community, but for the most part, there are two income earners per household so it is tough to make it on your own, especially if you are just starting out.

It is for that very reason that many people will choose to live on the outskirts of Washington DC instead of directly in the heart of the Capital. Then over time, once a good enough job is established, they may make the permanent move into Washington. However, living in the 'burbs' also comes with its own set of drawbacks, such as a longer commute to work and parking fees on a daily basis. However, there is an extensive network of public transportation options for those coming into DC from the suburbs. You may be forced to settle for a smaller apartment in order to stay in your price range, meaning you may have to also pay for [http://www.easystoragesearch.com/]self storage if you don't have room for all your belongs.

If you have a family, particularly with children, then a large concern for your Washington move should be the schools. While some schools are just fine, others are among the worst to attend in the area so you really need to do your homework when you are deciding on an area to settle into. The best thing to do is investigate local school's performance over the last couple of years and then try to find something in a good school district.

Washington DC is a place that is never at a loss as far as things to do go, but if you plan on becoming a true 'Washingtonian' then you need to realize that the vast majority of residents in the area almost always put their work before their play. Therefore, your social life may not be what you are used to or what you want it to be. It simply comes with the territory and if you are new in town and are not yet 'established' career wise, you may find that it is difficult to find others to relate to. This will of course fade as time goes on and your career becomes one that carriers certain bragging rights, but it can be tough at first.

One of the best things about moving to Washington DC is the never ending supply of sights that you will be supplied with. Washington DC is a place that is literally steeped in the United State's history and the many places that you will get to visit will attest to this. Plus, almost all of the capitol cities attractions are free.

Places like the Washington Monument, the Lincoln Memorial, Ford's Theatre, and President Lincoln's Cottage are just a handful of places that you will be able to enjoy almost any time that you wish. However, just keep in mind that as great as these places may seem to you at first, they may quickly just become a part of your everyday life. Just as a full time resident of Orlando, Florida is un-phased by Disney World, over time, you too may become un-phased by the Washington Monument.

Additionally, you should consider your transportation while living in Washington. While a few miles of commuting may not seem like a big deal on the outset, when you actually get to witness a full-blown Washington rush hour, you may quickly change your tune.

Many people in the Washington DC area will therefore opt for public transportation. The most popular forms of public transportation in Washington DC are the Metrorail, which is like New York's subway system, and the Metrobuses. In fact, many who actually live in Washington find that they can get away without a vehicle, provided that they do not need to leave Washington on a regular basis.

Just like any other city in the United States, DC comes with pros and cons. In the end, you have to take the time to weigh them all out and take a long hard look at the final results. If you like what you see then you may want to go through with your plans and move yourself to Washington making it your permanent home.

Jason Kay recommends you find and compare [http://www.easystoragesearch.com/moving-companies/]moving companies at EasyStorageSearch.com

Article Source: [http://EzineArticles.com/?What-to-Know-About-Moving-to-Washington-DC&id=6243978] What to Know About Moving to Washington DC




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Payday Loans - What You Need to Know
By [http://EzineArticles.com/expert/Douglas_Michaels/118120]Douglas Michaels 

There are more payday loan stores in the United States than there are McDonalds restaurants so if you are in desperate need of an emergency infusion of cash you may be one step away from your goal. But if your car is sitting in the driveway leaking vital fluids, you may not even have to leave home to get a payday loan as many purveyors of the service are now online. 

How a payday loan works

Before you rush to do a search for "payday loan online" there are a few things you should know about how these types of loans work and what alternatives are available. A payday loan is a short term small-balance loan that is intended to tide you over till your next payday arrives. They can be conveniently obtained as payday loans do not require a credit check. If all you have are a checking account and two recent paychecks, you may be a customer. But there's a price.

Payday or payroll advance loans are offered by companies that usually fly under the radar of state and local government consumer protection laws. In some sates such as Georgia, which has the stiffest regulations in the country, payday lenders have been accused of predatory practice and have sometimes been run out of town on rails. In their defense, payday lenders say they provide a much-needed solution to consumers with less than perfect credit and who must have a quick infusion of cash to tide them over till their next pay day.

In exchange for these high risk loans, payday lenders charge a fixed fee for a fixed period, usually fourteen days and if you happen to miss the fourteen day deadline, there's a penalty fee that is added to your charges along with another set of fees to roll over the loan through another period.

Rapid escalation

In short order, if you borrowed $500 for an emergency situation, you could end up owing as much as $700 if you miscalculated your cash flow and were forced to take a payday loan for a month. That equates to 480% or so per year and on the face of it, looks like a dreadfully large price to pay for a small amount of money. So payday loans are usually a good idea only when you have run out of options entirely. 

Whether you are applying online or in person, you must at least have a checking account. Payday lenders will require you to write them a postdated check for the loan amount plus the finance charges. They will be more than happy to extend the life of the loan if your needs are pressing. And the sheer convenience of payday loans online is difficult to resist. These sophisticated sites require your routing and account numbers from your check book and will routinely deposit money in your checking account almost instantly.

What can go wrong?

You run the risk of miscalculating your budget and getting into a cycle of using one payday loan to pay the other. The Center for Responsible Lending, a Durham, North Carolina non-profit, reports that the vast majority of payday loan borrowers do five transactions a year, while more than half of all borrowers take twelve or more loans per year. If you get into a cycle of dependency on payday loans, it may be hard to wean yourself from the habit.

Several states led by Georgia recognize this and have banned payday loans at one time or another, including Connecticut, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont and West Virginia. But you should take heart if you live in those states, or if you have had all you can take of onerous interest rates.

The alternatives

You may be surprised to learn there are alternatives to payday lending and certainly to the beguiling online payday lending sites. If your credit rating is in the cellar you may find the following suggestions just short of annoying but I'll make them anyway:

Use your credit card for which you'll pay a much lower rate than a payday loan.

Ask your payroll department for a salary advance.

Ask a friend or family member for a loan.

Offer your supplier or service person a post-dated check.

Ask for an extension on your car loan that defers one month's payment and frees up some cash.

The other alternatives

Realistically speaking, if you had good credit or a reasonably well-off family member, you would probably not be in the market for a payday loan. So your only reasonable alternative may be to minimize the damage. Searching for a payday loan online may be your best option for finding a reasonably low interest rate. But you must brace yourself for prompt repayment in order to avoid getting on the lender's treadmill. Once you have lined up a reasonable rate and obtained your cash, you should start planning how to avoid becoming repeat business.

Breaking the cycle

A great place to start would be to learn how to make a simple personal budget so you can put aside small amounts of cash each payday for an emergency fund. If budgeting does not work for you, consider joining a credit union before your next crisis occurs. Credit unions now offer a nifty device called a Salary Advance Loan Program. State Employees Credit union in North Carolina has one of those. They will lend you up to $500.00 at 18% and with no fees attached and they allow borrowers to set up a loan by phone. They require that you have a direct deposit account with the credit union, into which your paycheck goes.

But what if you don't work for the state of North Carolina? Or what if you don't belong to a credit union or have a family member who does? All is not lost. The National Credit Union Administration has a nifty web page accessible from their "Resources" page where you can search for credit unions by type and state. This is pretty useful because some credit unions will allow you membership just because you live in a particular city or county. Take ACCESS Federal Credit Union in New York state for instance. According to their web site, "if you live, work, worship, or go to school anywhere in Oneida County or the City of Oneida, you are now eligible to join."

Otherwise

If you absolutely, positively cannot find a credit union near you that offers salary advance loan programs, try to minimize the damage by shopping around for the best possible rate, before you run into an emergency. With a little luck, payday lenders online and off may realize a little restraint can go a long way. Any day now congress may decide to take up legislation to cap payday loan rates at lower levels, much as they have done for military personnel, whose rates have been capped at 36%.


Douglas Michaels is a publisher, columnist and webmaster of www.my-credit-report-score.com [http://www.my-credit-report-score.com]. He started out publishing a free construction industry magazine geared to introducing builders to new, environmentally-conscious technologies in the 1980s. He works in the financial industry and now dedicates his time to helping others educate themselves on improving their credit scores. For more tips on credit matters take a look at his other stories on my credit report score [http://www.my-credit-report-score.com].

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Vermont Home Equity Loans - Getting Approved for a Vermont Home Equity Loan
By [http://EzineArticles.com/expert/J.A._Hale/57203]J.A. Hale 

The cost of living in Vermont is quite a bit higher than other states. The good news is that home appreciation values are also higher. If you are a homeowner, a Vermont home equity loan can get you the cash you need for everyday purchases, as well as big ticket items. Below are a few tips to help you get approved for a Vermont home equity loan.

Applying for a Vermont Home Equity Loan

Anyone who is a Vermont homeowner can apply for a Vermont home equity loan. Getting approved for this loan type is quite a bit easier than getting approved for most Vermont loans. Even those with poor credit will find that they will be much more likely to secure a home equity loan than other types of loans in the state. The real challenge will be getting approved for a loan with fair rates and terms.

What Lenders Look For

When you apply for a Vermont home equity loan, lenders will look at several different things, including your credit score, your income, and your ability to repay the loan. They will also take a close look at what you currently owe on the home, as well as the amount of equity that you have built up.

Increasing Your Chances of Approval

Now that you know what lenders look for, getting approved for a Vermont home equity loan will be easy. To increase your chances of approval, you can make sure that you have verifiable income and as few credit blemishes as possible. You will also want to work with the right lender. Some lenders only allow you to borrow up to 80 percent of your home's value, but others let you borrow as much as 125 percent. Working with a flexible lender will ensure that you get approved for the loan that you seek.

Visit Vermont Lending Center [http://www.vermontlendingcenter.com] to see our Top 3 Home Equity Lenders in Vermont [http://www.vermontlendingcenter.com/homeequityloans], whether you are looking for home purchase, refinance or a home equity loan.

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Salt Lake City Mortgage Options
By [http://EzineArticles.com/expert/Marc_Keller/28864]Marc Keller 

Looking for a mortgage for your Salt Lake City real estate? Whether you're moving or simply investing in Salt Lake real estate, you'll probably need a Salt Lake City mortgage. It's important to know and understand your options in a Salt Lake City mortgage. Of course, professional mortgage advisors can offer you more personalized help than any other information or service.

Fixed Rate

A fixed rate mortgage is the classic home loan. The interest rate is locked in over the course of the loan--hence the name "fixed." The most popular fixed rate loans are for terms of 15 or 30 years, although other terms are sometimes offered.

Typically, a fixed rate loan is good if you're planning on owning your Salt Lake real estate for a while. Advice on how long "a while" should be ranges from 3 to 7 years at a minimum. A fixed rate is also a stable and attractive alternative when interest rates are low.

Variable or Adjustable Rate

With a variable or adjustable rate mortgage (ARM), the interest rate can change with a specified index, like the New York prime rate. Many ARMs begin with a short, fixed rate period, ranging from 3 to 7 years. 
One advantage of an ARM is that is offers a lower initial rate than a fixed rate mortgage. However, that rate can go up after the initial fixed period. If you plan on selling your real estate within that fixed period, an ARM can offer you significant savings.

Renegotiable Rate Mortgage

A few brokers offer a renegotiable rate mortgage. At specific points in the life of the loan (eg every 3 or 5 years), you can renegotiate the rate with your lender. This is especially convenient if interest rates have fallen since the beginning of your loan.

Balloon Mortgage

A balloon mortgage offers you a shortened loan term with lower payments. Typically 5 to 7 years in length, during the term of a balloon mortgage, you make payments that are similar to that of a 30 year mortgage. However, at the end of the term, the balance of the mortgage is due. You have to sell, refinance or convert to a traditional mortgage if you can't pay the balance out of pocket. Again, this can be a good option if you're certain you'll be able to sell your real estate before the term of the loan is up.

 Interest-Only

The name of an interest-only mortgage is slightly misleading. It sounds like you only have to pay of the interest, and none of the principal for your real estate. During the loan term, you make payments in the amount of the interest on the loan, which is lower than a fully amortized payment that includes principal. After the first 5 to 10 years, the principal is due. This option can work well for people with income that fluctuates seasonally throughout the year or those who plan to sell the property for significantly more than the purchase price.

Down Payment

The down payment is the amount of money you pay at closing. This amount goes toward the principal on your loan. While you can choose how much to pay in your down payment, until you have paid off 20% of your house's value (with monthly payments, extra prepayments and house value appreciation), you usually have to pay a private mortgage insurance (PMI) fee with each payment.
 To avoid this extra monthly cost, you can get a second loan to cover the down payment in conjunction with your mortgage. There are many different ways to do this. One of the most popular is referred to as an 80/20 loan. An 80/20 loan is actually two loans--one for 80% of the home's value, and the other a "piggyback loan" for the 20% down payment. Options vary, but the piggyback loan usually has a higher rate. It may also be an adjustable rate or interest-only loan, like the mortgages described above. Other combinations include an 80-15-5 (80% mortgage, 15% piggyback, 5% cash down payment), 80-10-10 and more. Typically, these monthly payments are still lower than they would be if you had to pay PMI--but always double check.

Your Salt Lake City mortgage can fall into one or many of these categories. With a professional mortgage advisor, you can find the loan that's truly right for your financial situation. A mortgage advisor takes into account your financial situation, income, budget and debt load to help you find a loan that you can afford.

Marc Keller is a content writer for 10x Marketing, an [http://www.10xmarketing.com] Internet marketing firm. To learn more about Salt Lake City Mortgages vist http://www.lucidiagroup.com/salt-lake-city-mortgage.aspx at http://www.lucidiagroup.com

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Payday Loans Help When A Payoff Plan Is Activated
By [http://EzineArticles.com/expert/Holly_Petherbridge/1351286]Holly Petherbridge 

Too often, fast payday loans are deemed the bad guy in the lending industry. In fact, their continued growth within the financial world speaks a different tune. These fast cash loans fill a void for many folks who struggle to make ends meet when their bank accounts are low on funds. People who use short-term loans to get over a hump before the next payday find the loans useful and cost effective. Why do so many argue that the loans are bad?

When borrowers apply for a payday loan to fund an immediate payment, they are looking for emergency help without much thought towards the payoff. Because the loans have short term periods, the full payoff is due just a few short weeks later. Without a payoff plan in place at the get-go, people end up scrambling to make their payments. Many people who do apply for these loans are already in some sort of financial mess and have little to no credit card balance available. Payday loan lender debt just adds to the problem. It is important no matter what third party money is used, have a payoff plan set in motions to prevent debt from eating away at your income.

The borrower sits in disbelief that this small loan is wreaking so much havoc in their budget. The complaints begin. It must be the lender's fault, right? If the lender acted responsibly and didn't attach hidden fees, misrepresent their services and answered all questions to explain the process then they are not to blame. This service filled a void to credit challenged applicants. How can you blame payday loan help when the borrower didn't help themselves think about how they could afford the pay off? Just because a company offers opportunity at a price, it doesn't mean you have to accept. Maybe that is what happened to their credit cards? Now, there is more debt to pay and the same static income to pay it off. Of course there are going to be problems.

How can you argue that a payday loan was bad when it helped you make an emergency payment? The terms and conditions were presented before money is processed. A borrower must sign as proof that they accept them. Is it possible that a borrower can be blamed for making a loan go bad? Is it the short-term loan the toxic part of their finances or is it their lack of money management? It is safe to say that if a person has great money management skills, they would not be looking to find a payday loan lender to cover emergency payments. If for some reason they did, that payoff would have a dedicated payoff plan attached to it. It just makes sense. High interest loans should be the first to get paid in anyone's budget.

How can you blame a [http://www.approvedmoneycenter.com/blog/payday-loan-texas/payday-loan-texas-plan-purpose/]payday loan company when the fast money helped? If for some reason you did fall prey to a predatory lender or caught up with a fraudulent lender, you can certainly point the finger. This is why it is so important to do your homework before you apply. You can walk into the store or call the lender directly to ask questions about their lending practices before you ever touch an application. Keep a positive mindset when working with the lender. The prices may be high, but they are providing a service that most others would not offer you. You decide if the loan is affordable to you or not. A good lender will do their best to determine your situation based on the small amount of information presented to them. You know what your limits are. If you are going to push those limits, then you run the risk of adding trouble to your budget. It's ultimately up to you to decide. It's tough to blame the lender or argue that the rates are too high when you have already used their fast cash loan to fix an earlier problem. Remember that you needed that lender to help when nothing else would. It's a tough lesson to learn, but it may help you make better choices in the future.

Approved Money Center Payday Loans offers fast loans when you need quick cash. Visit http://www.approvedmoneycenter.com for more information on how to obtain a short-term online payday loan.

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Elmo Elsa Emerald Bay Emhouse Emory Encantada-Ranchito-El Calaboz Enchanted Oaks Encinal Encino Ennis Escobares Estelline Eugenio Saenz Euless Eureka Eustace Evadale Evant Evergreen Everman Fabens Fabrica Fair Oaks Ranch Fairchilds Fairfield Fairview Falcon Heights Falcon Lake Estates Falcon Mesa Falcon Village Falconaire Falfurrias Falls City Falman Fannett Farmers Branch Farmersville Farwell Fate Fayetteville Faysville Fernando Salinas Ferris Fifth Street Flatonia Flor del Rio Florence Floresville Flowella Flower Mound Floydada Follett Forest Hill Forney Forsan Fort Bliss Fort Clark Springs Fort Davis Fort Hancock Fort Hood Fort Stockton Fort Worth Four Corners Four Points Fowlerton Franklin Frankston Fredericksburg Freeport Freer Fresno Friendswood Friona Frisco Fritch Fronton Fronton Ranchettes Frost Fruitvale Fulshear Fulton Gail Gainesville Galena Park Gallatin Galveston Ganado Garceno Garciasville Garden City Garden Ridge Gardendale Garfield Garland Garrett Garrison Gary City 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Cuellar Estates Hackberry Hale Center Hallettsville Hallsburg Hallsville Haltom City Hamilton Hamlin Happy Hardin Hargill Harker Heights Harlingen Harper Hart Hartley Haskell Haslet Havana Hawk Cove Hawkins Hawley Hays Hearne Heath Hebbronville Hebron Hedley Hedwig Village Heidelberg Helotes Hemphill Hempstead Henderson Henrietta Hereford Hermleigh Hewitt Hickory Creek Hico Hidalgo Hideaway Higgins Highland Haven Highland Park Highland Village Highlands Hill Country Village Hillcrest Hillsboro Hillside Acres Hilltop Hilltop CDP (Starr County) Hilltop Lakes Hilshire Village Hitchcock Holiday Beach Holiday Lakes Holland Holliday Holly Lake Ranch Hollywood Park Homestead Meadows North Homestead Meadows South Hondo Honey Grove Hooks Horizon City Hornsby Bend Horseshoe Bay Horseshoe Bend Houston Howardwick Howe Hubbard Hudson Hudson Bend Hudson Oaks Hughes Springs Hull Humble Hungerford Hunters Creek Village Huntington Huntsville Hurst Hutchins Hutto Huxley Iago Idalou Iglesia Antigua Impact Imperial Indian Hills Indian Lake Indian Springs Indio Industry Inez Ingleside Ingleside on the Bay Ingram Iola Iowa Colony Iowa Park Iraan Iredell Irving Italy Itasca Ivanhoe Jacinto City Jacksboro Jacksonville Jamaica Beach Jardin de San Julian Jarrell Jasper Jayton Jefferson Jersey Village Jewett JF Villarreal Joaquin Johnson City Jolly Jones Creek Jonestown Josephine Joshua Jourdanton Juarez Junction Justin K-Bar Ranch Karnes City Katy Kaufman Keene Keller Kemah Kemp Kempner Kendleton Kenedy Kenefick Kennard Kennedale Kerens Kermit Kerrville Kilgore Killeen Kingsbury Kingsland Kingsville Kirby Kirbyville Kirvin Knippa Knollwood Knox City Kosse Kountze Kress Krugerville Krum Kurten Kyle La Blanca La Carla La Casita La Chuparosa La Coma La Escondida La Esperanza La Feria La Feria North La Grange La Grulla La Homa La Joya La Loma de Falcon La Marque La Minita La Paloma La Paloma Addition La Paloma Ranchettes La Paloma-Lost Creek La Porte La Presa La Pryor La Puerta La Rosita La Tina Ranch La Vernia La Victoria La Villa La Ward Lackland AFB LaCoste Lacy-Lakeview Ladonia Lago Lago Vista Lago Vista CDP Laguna Heights Laguna Park Laguna Seca Laguna Vista Lake Bridgeport Lake Brownwood Lake Bryan Lake Cherokee Lake City Lake Colorado City Lake Dallas Lake Dunlap Lake Jackson Lake Kiowa Lake Medina Shores Lake Meredith Estates Lake Tanglewood Lake View Lake Worth Lakehills Lakeport Lakeshore Gardens-Hidden Acres Lakeside Lakeside City Lakeside town (Tarrant County) Lakeview Lakeway Lakewood Village Lamar Lamesa Lampasas Lancaster Lantana Laredo Laredo Ranchettes Laredo Ranchettes West Las Haciendas Las Lomas Las Lomitas Las Palmas Las Palmas II Las Pilas Las Quintas Fronterizas Lasana Lasara Latexo Laughlin AFB Laureles Lavon Lawn League City Leakey Leander Leary Lefors Leming Leon Valley Leona Leonard Leroy Levelland Lewisville Lexington Liberty Liberty City Liberty Hill Lincoln Park Lindale Linden Lindsay Lindsay CDP Linn Lipan Lipscomb Little Elm Little River-Academy Littlefield Live Oak Liverpool Livingston Llano Llano Grande Lockhart Lockney Log Cabin Lolita Loma Grande Loma Linda Loma Linda East Loma Linda East CDP (Starr County) Loma Linda West Loma Vista Lometa Lone Oak Lone Star Longoria Longview Loop Lopezville Loraine Lorena Lorenzo Los Altos Los Alvarez Los Angeles Los Arcos Los Arrieros Los Barreras Los Centenarios Los Corralitos Los Ebanos Los Ebanos CDP (Starr County) Los Fresnos Los Fresnos CDP Los Huisaches Los Indios Los Lobos Los Minerales Los Nopalitos Los Veteranos I Los Veteranos II Los Ybanez Lott Louise Lovelady Lowry Crossing Lozano Lubbock Lucas Lueders Lufkin Luling Lumberton Lyford Lytle Mabank Macdona Madisonville Magnolia Malakoff Malone Manchaca Manor Mansfield Manuel Garcia Manuel Garcia II Manvel Marathon Marble Falls Marfa Marietta Marion Markham Marlin Marquez Marshall Mart Martindale Martinez Mason Matador Matagorda Mathis Maud Mauriceville Maypearl McAllen McCamey McDade McGregor McKinney McKinney Acres McLean McLendon-Chisholm McQueeney Meadow Meadowlakes Meadows Place Medina Megargel Melissa Melvin Memphis Menard Mentone Mercedes Meridian Merkel Mertens Mertzon Mesquite Mesquite CDP Mexia Mi Ranchito Estate Miami Midland Midlothian Midway Midway North Midway South Miguel Barrera Mikes Mila Doce Milam Milano Mildred Miles Milford Miller's Cove Millican Millsap Mineola Mineral Wells Mingus Mirando City Mission Mission Bend Missouri City Mobeetie Mobile City Monahans Mont Belvieu Montague Monte Alto Montgomery Moody Moore Moore Station Moraida Morales-Sanchez Moran Morgan Morgan Farm Morgan's Point Morgan's Point Resort Morning Glory Morse Morton Moulton Mount Calm Mount Enterprise Mount Pleasant Mount Vernon Mountain City Muenster Muleshoe Mullin Munday Muniz Murchison Murillo Murphy Mustang Mustang Ridge Myrtle Springs Nacogdoches Naples Narciso Pena Nash Nassau Bay Natalia Navarro Navasota Nazareth Nederland Needville Nesbitt Netos Nevada New Berlin New Boston New Braunfels New Chapel Hill New Deal New Fairview New Falcon New Home New Hope New London New Summerfield New Territory New Waverly Newark Newcastle Newton Neylandville Niederwald Nina Nixon Nocona Nocona Hills Nolanville Nome Noonday Nordheim Normangee Normanna North Alamo North Cleveland North Escobares North Pearsall North Richland Hills North San Pedro Northlake Northridge Novice O'Brien O'Donnell Oak Grove Oak Island Oak Leaf Oak Point Oak Ridge Oak Ridge North Oak Ridge town (Kaufman County) Oak Trail Shores Oak Valley Oakhurst Oakwood Odem Odessa Oglesby Oilton Old River-Winfree Olivarez Olivia Lopez de Gutierrez Olmito Olmito and Olmito Olmos Park Olney Olton Omaha Onalaska Opdyke West Orange Orange Grove Orason Orchard Ore City Overton Ovilla Owl Ranch Oyster Creek Ozona Pablo Pena Paducah Paint Rock Paisano Park Palacios Palestine Palisades Palm Valley Palmer Palmhurst Palmview Palmview South Palo Blanco Palo Pinto Paloma Creek Paloma Creek South Pampa Panhandle Panorama Village Pantego Paradise Paris Parker Pasadena Pattison Patton Village Pawnee Payne Springs Pearland Pearsall Pecan Acres Pecan Gap Pecan Grove Pecan Hill Pecan Plantation Pecos Pelican Bay Pena Penelope Penitas Perezville Perrin Perryton Petersburg Petrolia Petronila Pettus Pflugerville Pharr Pilot Point Pine Forest Pine Harbor Pine Island Pinehurst Pinehurst city Pineland Pinewood Estates Piney Point Village Pittsburg Placedo Plains Plainview Plano Pleak Pleasant Hill Pleasant Valley Pleasanton Plum Grove Point Point Blank Point Comfort Point Venture Ponder Port Aransas Port Arthur Port Isabel Port Lavaca Port Mansfield Port Neches Port O'Connor Porter Heights Portland Post Post Oak Bend City Poteet Poth Potosi Pottsboro Powderly Powell Poynor Prado Verde Prairie View Premont Presidio Preston Primera Princeton Progreso Progreso Lakes Prosper Providence Village Pueblo East Pueblo Nuevo Putnam Pyote Quail Quail Creek Quanah Queen City Quemado Quesada Quinlan Quintana Quitaque Quitman Radar Base Rafael Pena Ralls Ramireno Ramirez-Perez Ramos Ranchette Estates Ranchitos Del Norte Ranchitos East Ranchitos Las Lomas Rancho Alegre Rancho Banquete Rancho Chico Rancho Viejo Rancho Viejo CDP Ranchos Penitas West Randolph AFB Ranger Rangerville Rankin Ransom Canyon Ratamosa Ravenna Raymondville Realitos Red Lick Red Oak Redfield Redford Redland Redwater Redwood Refugio Regino Ramirez Reid Hope King Reklaw Relampago Rendon Reno Reno city (Parker and Tarrant Counties) Retreat Rhome Ricardo Rice Richardson Richland Richland Hills Richland Springs Richmond Richwood Riesel Rio Bravo Rio Grande City Rio Hondo Rio Vista Rising Star River Oaks Rivereno Riverside Riviera Roanoke Roaring Springs Robert Lee Robinson Robstown Roby Rochester Rockdale Rockport Rocksprings Rockwall Rocky Mound Rogers Rollingwood Roma Roma Creek Roman Forest Ropesville Roscoe Rose City Rose Hill Acres Rosebud Rosenberg Rosharon Rosita Ross Rosser Rotan Round Mountain Round Rock Round Top Rowlett Roxton Royse City Rule Runaway Bay Runge Rusk Sabinal Sachse Sadler Saginaw Salado Sam Rayburn Sammy Martinez Samnorwood San Angelo San Antonio San Augustine San Benito San Carlos San Carlos I San Carlos II San Diego San Elizario San Felipe San Fernando San Isidro San Juan San Juan CDP San Leanna San Leon San Marcos San Patricio San Pedro San Perlita San Saba San Ygnacio Sanctuary Sand Springs Sanderson Sandia Sandoval Sandy Hollow-Escondidas Sandy Point Sanford Sanger Sansom Park Santa Anna Santa Anna CDP Santa Clara Santa Cruz Santa Fe Santa Maria Santa Monica Santa Rosa Santa Rosa CDP Santel Sarita Savannah Savoy Scenic Oaks Schertz Schulenburg Scissors Scotland Scottsville Scurry Seabrook Seadrift Seagoville Seagraves Sealy Sebastian Seco Mines Seguin Selma Seminole Serenada Seth Ward Seven Oaks Seven Points Seymour Shady Hollow Shady Shores Shadybrook Shallowater Shamrock Shavano Park Sheldon Shenandoah Shepherd Sherman Sherwood Shores Shiner Shoreacres Sienna Plantation Sierra Blanca Siesta Acres Siesta Shores Silsbee Silverton Simonton Sinton Skellytown Skidmore Slaton Smiley Smithville Smyer Snook Snyder Socorro Solis Somerset Somerville Sonora Sour Lake South Alamo South Fork Estates South Houston South La Paloma South Mountain South Padre Island South Point South Toledo Bend Southlake Southmayd Southside Place Spade Sparks Spearman Splendora Spofford Spring Spring Gardens Spring Valley Village Springlake Springtown Spur St. Hedwig St. Jo St. Paul St. Paul CDP Stafford Stagecoach Stamford Stanton Staples Star Harbor Stephenville Sterling City Stinnett Stockdale Stonewall Stowell Stratford Strawn Streetman Study Butte Sudan Sugar Land Sullivan City Sulphur Springs Sun Valley Sundown Sunnyvale Sunray Sunrise Beach Village Sunset Sunset Acres Sunset CDP (Starr County) Sunset Valley Surfside Beach Sweeny Sweetwater Taft Taft Southwest Tahoka Talco Talty Tanquecitos South Acres Tanquecitos South Acres II Tatum Taylor Taylor Lake Village Taylor Landing Teague Tehuacana Temple Tenaha Terlingua Terrell Terrell Hills Texarkana Texas City Texhoma Texline The Colony The Hills The Woodlands Thompsons Thompsonville Thorndale Thornton Thorntonville Thrall Three Rivers Throckmorton Thunderbird Bay Tierra Bonita Tierra Dorada Tierra Grande Tierra Verde Tiki Island Tilden Timbercreek Canyon Timberwood Park Timpson Tioga Tira Tivoli Toco Todd Mission Tolar Tom Bean Tomball Tool Tornillo Toyah Tradewinds Travis Ranch Trent Trenton Trinidad Trinity Trophy Club Troup Troy Tuleta Tulia Tulsita Turkey Tuscola Tye Tyler Tynan Uhland Uncertain Union Grove Union Valley Universal City University Park Utopia Uvalde Uvalde Estates Val Verde Park Valentine Valle Hermoso Valle Verde Valle Vista Valley Mills Valley View Van Van Alstyne Van Horn Van Vleck Vanderbilt Vega Venus Vernon Victoria Victoria Vera Vidor Villa del Sol Villa Pancho Villa Verde Villarreal Vinton Volente Von Ormy Waco Waelder Wake Village Waller Wallis Walnut Springs Warren Warren City Waskom Watauga Waxahachie Weatherford Webberville Webster Weimar Weinert Weir Welch Wellington Wellman Wells Wells Branch Weslaco West West Alto Bonito West Columbia West Lake Hills West Livingston West Odessa West Orange West Sharyland West Tawakoni West University Place Westbrook Westdale Western Lake Westlake Westminster Weston Weston Lakes Westover Hills Westway Westwood Shores Westworth Village Wharton Wheeler White Deer White Oak White Settlement Whiteface Whitehouse Whitesboro Whitewright Whitney Wichita Falls Wickett Wild Peach Village Wildwood Willis Willow Park Wills Point Wilmer Wilson Wimberley Windcrest Windemere Windom Windthorst Winfield Wink Winnie Winnsboro Winona Winters Wixon Valley Wolfe City Wolfforth Woodbranch Woodcreek Woodloch Woodsboro Woodson Woodville Woodway Wortham Wyldwood Wylie Yantis Yoakum Yorktown Yznaga Zapata Zapata Ranch Zarate Zavalla Zuehl 73301 73344 73960 75001 75002 75006 75007 75009 75010 75011 75013 75014 75015 75016 75017 75019 75020 75021 75022 75023 75024 75025 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