Author: OFG

Solid Cash Solution in Illinois 2021

Illinois is the fifth populous states in U.S. they who live in Illinois consist of various different background. It makes Illinois becomes a unique and colorful area. The state is also target for some types of business, including financial. When we try to go to the state, we will easily find so many advertisements both online and offline about loans. Illinois citizens seem to welcome with it. They feel that lenders are a great alternative if there are some financial problems occur and need urgent cash. Going to pawnshop or borrowing money from friends and family is not popular anymore. They prefer to apply Illinois payday loan that have to do that. There are some locations popular as the center of payday loans providers. For the details about the locations, you can check through A short-term loan is an interesting product that you can apply if do not want to have an extended-term loan. Short-term cash advance brings borrowing term contains interest expenses. Short-term loans are suitable for you if you face some problems related to financial, especially if you need urgent cash flow. Commonly, people who apply this loan will take it between paychecks. With traditional unsecured loans, you can have terms at least a year or even more, which means that the interest will grow during the whole process. It will leave hefty interest expenses at the end of the term. Short term loan does not use such policy. It has ability to keep the terms brief and fixed. It is also unlike credit cards because short-term cash advance and title loans are due on specified date. Lenders of this loan will automatically take the repayment from your bank account on the date due. You will also free from multiple installment payments or mailing in checks because it will be taken care for you.

Many of us live for a week, barely able to afford to live comfortably in a sluggish economy. Often, there are payments due, or a sale on something you need, and pay day is not here yet. Then the cheap payday loan are very necessary. Payday loan is a small amount, short-term loans, usually around a few hundred dollars, allowing you to return your money, and you can pay your payday.

Nowadays, people always want to seek for top loan service that can help them in getting money in an exceedingly small amount of time. You will find a lot of solutions which are stated because the effective solution to be able to help people to achieve the good circumstance of the livelihood. Among the solutions that they’re going to use is to apply the simple pay day loans at this time.
Yet, before you decide to make the decision to become listed on with this particular payday system, you suffer from several needs around the first beginning. To begin with, you ought to be a lot more than 18 years of age. Next, you might also need to prove that you can to show your capacity in getting the annual payment later on. They’re not going to consider around the bad good reputation for the borrowed funds before. Thus, you don’t have to become afraid in getting the complicated methods in generating your money can buy.

Solid Cash Solution in Illinois 2021

The positive thing is the fact that nobody will request you the thing you need the cash for you personally will pay off regular bills, utility costs or just a few of the unplanned expenses you can’t handle at this particular moment. You will find numerous institutions and firms in America that provide cash loan financial loans, to citizens and people. They provide a pay day loan that ranges from 100$ to 2000$, with respect to the amount you’ll need, along with your paying back ability. Generally how much money you request could be lent for a time of two to four days, even though it is asked for to create the entire payment whenever your next pay day comes. The majority of the lenders don’t require any collateral – although you’ll be able to discover that too – meaning the payday loan is a personal unsecured loan. The loan amount could be acquired without anything as security against it, which may be really useful, especially without having some property which you can use. For this reason the eye might be slightly greater compared to regular financial loans, although these financial loans are extremely short called that almost all important whatsoever – within the situation of monthly payments and annual rates it might really make a difference, but under these conditions is actually trivial.

Loan Origination Fee

  • This is the fee a lender charges for work in preparing the loan. It is often expressed as points. One point is equivalent to 1% of the loan amount.
  • Loan Discount Points
    • This is a fee, also expressed as points, paid to the lender to buy down the interest rate. This means that in exchange for paying points up front, the lender will reduce your interest rate. On average, one point will typically reduce the interest rate on a 30-year mortgage between .25% – .50%. This can vary between lenders. It could be beneficial if you plan to stay in your home for a number of years. Here’s an example of how much interest you would pay over a two-year period vs. a 15-year period on a 30-year mortgage with and without points:

Interest Rate



2 Yr. Interest  15 Yr. Interest 
















In this example, after allowing for the $1,000 (one point) paid up front to reduce the interest rate, you would pay $247 more after two years on the 30-year loan with points, but $4,716 less interest after 15 years. This pattern also holds true paying two points. This demonstrates that it makes sense to consider paying discount points only if you plan on staying in your home for a number of years. To compare mortgage loan payments with and without points, you can use the credit home financing calculators. For information on mortgage shopping, read the Federal Trade Commission information about Looking for the Best Mortgage.

      • Appraisal Fee
        • This pays for the independent appraisal that estimates the market value of the property. This is often required to be paid at the time of application and would appear on the settlement sheet as “POC” or “paid outside closing.” Ask for a copy for your files. Expect to pay between $300 – $1,000, depending on the size and location of the property.
      • Credit Report Fee
        • This pays for a comprehensive mortgage credit report that often combines information from the three major credit reporting agencies, Equifax, Experian, and Trans Union. The information contained in your credit report will be used by the lender to determine if you qualify for a loan and for what rate you are eligible. This, too, is often POC. This can range from $25 – $100.
      • Title Search and Title Insurance
        • A title search and examination needs to be completed to prove that the seller actually owns the house. A title search also discloses whether there are other claims, judgments or liens on the property. Title insurance protects the lender against any ownership claims that may arise due to errors in the title search. The title insurance will probably be 0.2%-0.5% of the loan amount. The title services can range from $200 – $500. For more information, see the State of Washington’s factsheet about title insurance.
      • Interest
        • Typically, the amount of interest accrued between the closing and the first mortgage payment will be collected.
      • Survey
        • A survey will be required to ensure that there are no discrepancies over boundaries with neighboring properties. This can range from $150 – $400, depending on the size and location of the property.
      • Home Inspection
        • This is another fee that is typically POC. The home inspection is not required like an appraisal, but it is advisable to have one done if you are buying a home so you can anticipate any faults or potential repairs that may be needed. The inspection would typically be done after a contract or purchase agreement is signed, so it is important to include a clause in the contract that makes the sale contingent upon a satisfactory home inspection. This clause should spell out the terms to which both the buyer and seller are responsible. For more information, see the article on Home Inspections. This usually ranges from $150 – $500, depending on the size of the house and how extensive the inspection is.
      • Other Fees
        • These can include fees for processing, document preparation, document stamp taxes, recording the new deed with the courts, couriers, loan assumption, survey, home inspection, flood plain certification, underwriting, wire transfers, and attorney fees.

The lender is required to provide you with a “Good Faith Estimate” within three days of your application that outlines the anticipated fees that will be associated with your loan. You should go over this document very carefully and get clarification on any fees you don’t understand. Also, you should bring this document to the closing to make sure there are no major discrepancies between the estimate you were given and the actual costs that were incurred. The homebuyer’s rights in relation to closing costs are protected by the Real Estate Settlement Procedures Act (RESPA). See the HUD website for more information about RESPA.

Understanding Closing Costs

Avoid surprises! Be prepared for closing costs when it’s time to finalize your loan.

Closing costs (or settlement costs) are the costs associated with the sale of a home or the refinancing of a mortgage. These costs generally range from 3% to 8% of the total loan amount. Usually, the costs are lower with a refinance and, as with a purchase, many of the costs can be rolled into the loan. Although some fees and taxes associated with a purchase are required by law to be paid by the buyer, you may be able to negotiate with the seller to split the cost of others, such as points. The lender may also be willing to negotiate some of these fees. Be sure to comparison shop several lenders. Don’t forget to take advantage of our debt management calculators, which are very helpful in determining the costs of financing a home, including the total cost of settlement. Some typical closing costs are:

  • Property Taxes (Pre-paid Escrow)
    • Pre-paid escrow costs are the pro-rated portion of the funds you will need to have on deposit with your mortgage company so, when it’s time make the annual disbursement, there will be sufficient funds in your escrow account to cover the payments. Mortgage insurance and homeowner’s insurance are also considered pre-paid escrow items.
  • Generally, the annual property taxes are divided over a 12-month period, and you will be required to place two – three months in an escrow account to cover the annual expense. For more information about escrow and other settlement costs, see the U.S. Department of Housing and Urban Development (HUD) Settlement Cost Booklet.
  • Mortgage Insurance (Pre-paid Escrow)
    • This insurance protects the lender in the event you don’t make your loan payments, and the lender is forced to sell the house through foreclosure for less than you still owe. You may be able to finance the cost of certain mortgage insurance policies.
  • If you are putting less than 20% as a down payment, you may be required to take out private mortgage insurance, commonly referred to as PMI. The premiums for PMI vary depending upon the amount, type, and terms of the mortgage. The U.S. Federal Reserve Board (FRB) explains mortgage insurance and more in the FRB Consumer’s Guide to Settlement Costs.
  • If your loan is insured by the Federal Housing Administration (FHA), you will be required to carry FHA Insurance, usually referred to as MIP. There is usually an up-front fee of 2.25% of the purchase price and a monthly fee of .50% for the life of the loan. For more information about mortgage insurance premiums, see HUD’s webpage about FHA Single Family Home Insurance Premiums.
  • Homeowners Insurance (Pre-paid Escrow)
    • The lender will require that you have a policy in effect at the time of closing, and several months’ payments will probably need to be held in escrow. This can also be paid outside of closing (POC). The State of Arizona’s Insurance Department has A Consumer’s Guide to Homeowner’s Insurance as well as an online Homeowner’s Insurance FAQ.

Hello, I just returned from a 2-day Seacret Convention

That was, once again, set up to make you loose your mind in their business concept that you too could become a wealthy individual in no time, but because of my former experience with NBV’s and I suppose my practical mind and good conscious, rather than getting blown out of the water by the tremendous hype and emotional and moving testimonials, I instead took a huge step back to seriously ponder and put myself in check. I realized how incredibly irrational and irresponsible I would be to do what the company was telling me I needed to do, and always at that very moment; they are always saying, “the time is NOW”. I am disgusted by the same familiar “sales pitch” and “emotional chaos” they cause by saying everyone has an equal chance of getting rich, but deep down inside, I know that because everyone is not equal, the majority of those people will fail. I read a great article in Inc Magazine, dated 2016, entitled, NBV Mischief, it was by, what appeared to be, a well-respected successful CEO named, Howard Brodsky. I completely related to what Brodsky said and realized that I almost got caught once again, in the ultimate of schemes, the NBV. Then I searched some more and found this blog site. I need a personal loan from 1000 to 5000 us dollars. What you think about rates and APR at lendme1000? I am now feeling like I am at the beginning of my own personal crusade; against the NBV’ers, but really in the real hope of educating as many people about these schemes and trying to help as many people to realize their own potentials to do what they want to do, with pride, integrity, responsibly and sensibly. Is there anyone out there who feels this way and who has recently gotten involved in Seacret direct? I just can’t stop thinking about the cute little old lady I saw walk out of the hotel elevator who looked up at me with her sweet smile, a glisten of hope in her little old eyes; she was there on a song and a prayer and all I could think about was how sad I felt because I somehow know deep in my heart that she doesn’t stand a chance of making that fortune they preached to her about for 2 days straight, not to mention, probably took the last of her living expenses.

Hello all!

It has been a while since i’ve posted. I’ve been reading my daily emails of most of your posts (and following your health Jan, which I am glad has turned positive!). So the end of 2016 got pretty hairy for dh and I. We planned a big actual wedding ceremony (we were already married legally but couldn’t afford the big day previously), so we did that in September. I lost my father unexpectedly a few days before the wedding day sadly, and the end of the year just kind of tailspun into financial craziness as I dealt with that loss. I reversed a lot of my progress by loosening the reigns on spending and we’ve racked back up some credit card debt. I’m out of my funk, and now I have to deal with the mess I made for myself. Good news is I just sent our tax info off to the accountant and anticipate a refund that will take a nice bite out of the mess and allow us to do some needed repairs to our roof before that gets worse.
I feel so ashamed that I let things get back to this point, but I am glad to be back in a place where we can fix it. Once we get that tax refund applied we plan to make a debt pay off chart and get to it.
Hope this year is a good one for you all!

Can I say hate months with 5 Fridays?

It has nothing to do with payday. I do my weekly shopping on Friday.. groceries, household, etc. It still messes me up most times it happens. I know it’s a matter of planning and looking ahead at my calendar. Grrrr. Can we just can cancel 5th Fridays? LOL
I have started looking at February’s budget. On the note of 5th Fridays, at least I know that there virtually no 5th Fridays in February unless it’s a leap year (like this one) and the 29th lands on Friday (not this year). So almost impossible to happen!

So glad your report turned out so well!!

We got a bill yesterday from a heart procedure dd had in November 2016. The total was $22K+ before any insurance. However it showed us owing about $2500. I thought that was high considering all the tests she had had earlier in the year. In fact, I thought it should have been about $0. So I called the billing office immediately and spoke to a very helpful lady named Dawn. She put me on hold while she looked into it. Apparently they billed Medicare, which dd has due to disability. However they did not bill Blue Cross. Dawn came back on the line to tell me she submitted while I was on hold! Thankfully I got someone with a brain who is also courteous. She said we would get a revised statement after BC has processed the claim. Be sure I wrote all this down on that statement including her name and the date in case we get a call.

After 6 long weeks of waiting BCBS

finally admitted that the mess up in my deductible (not dh’s mine) is their fault and they are redoing it so now I don’t have to shell out $6,000 on deductibles for 2015. Finally! They said it would be a bit before it would show up on the records but gave me a confirmation # to give the hospital and doctors that were getting really cranky about the bill. So that is $6,032 saved (they had also charged us $32 over our out of pocket limit)
We have taken out part B medicare this year affective Jan 1, 2017 so we shouldn’t have this problem again. It came in at a far lower premium than we expected too (about half), so that is good news.
The great news is last week the last of the cancer doctors officially told me she thought I was 100% cured with little to no chance of recurrence on Wednesday. I’ll of course still need to have regular check-ups every 6 months. I can live with that. Sure beats having chemo (she is the chemo doctor) and radiation (talked to him 2 weeks ago). I have one more post op to do next Monday but it is just that a post op and I feel wonderful.
During the Christmas holidays we had a torrential rain storm and Murphy came to play. Blew shingles off our free standing garage, and the roof on the house sprang 4 leaks, which in turn did some serious damage to the ceilings in four places. Furnace also went belly up about that time.
I decided to call the insurance company just in case. Dh didn’t think it was covered because of the age of everything and talked me out of it. Well I decided to go ahead and call them last Thursday. I figured the worst they could do is say no and laugh that I even called The adjuster came out on Friday.
Long and short when it is all said and done they are paying 100% less our deductible for both roofs and ceiling repair. Nothing on the furnace unless the repair man will swear it was lightening damage and there wasn’t that much lightening in that storm and the furnace is 30 years old, so it probably died of natural causes. So glad I called because we are talking a total of about $16,000. And that is why we have full replacement value insurance.
So we are pretty happy campers on that point.

The calling hours for bill collectors is YOUR local time, not theirs

You may be on the east coast and them on the west or vice versa. It also may be a good idea to be able to record phone calls where you can hear both parties. That gives you an audio transcript. I remember DR giving an example of a guy who was called about his brother’s debt (1st mistake) and called outside the permissible calling hours (different time zones, 2nd mistake). He got it all recorded. The company owed money almost had to end up paying the guy who owed the debt to to all the errors they committed. LOL No, it’s not really funny. But the collections industry is known for abusing debtors.

Whether you record phone calls or not just keep really good records of who called you, who you called, what was said, etc. It really is best to do everything by letter. It provides a written record, a time line, names, dates, etc.

Oh, just because they “say” you owe such and such, don’t take their word for it. Get a detailed statement showing all charges, fees, interest, penalties, etc., payments (and sources of payment) to the account and the dates for all those things. Sometimes they screw things up and get it wrong.

If it’s a medical bill, make sure they have properly filed with any and ALL applicable insurance agencies. Our dd had a major procedure last November. The hospital filed with Medicare (she is on disability) but forgot to file with Blue Cross. When I got the bill for about $2500.00, the first thing I asked is whether they filed with both insurances. Sure enough, they did not. I have not heard back from them since! It is important they file in a timely manner because there is often a time frame for submitting claims. If they wait too long the claim will get kicked back for late submission.


Time for me to jump in here (Eldred and Kathryn you knew I would). What you have been told so far is all absolutely correct. You have the power, they don’t. You just have to be tough. You need to learn to “stand on desks”, my phrase for taking control.
You do not have to talk to these people every time they call. By law they can only call between 8:30 am 9 pm no weekends or holidays. If they call you outside that realm get the name number and tell them you WILL report them. Only pick up the phone once every two weeks or so. As long as they can periodically reach you they can’t say you are being evasive. They are NOT allowed to call you at work either. The second they get rude with you tell them they are not allowed to speak to you in that manner. Thank them for calling and hang up.
Now for how to do it. Four walls first like Eldred said, I will add medications to those 4 walls. Send the letter certified where they have to sign for it, when they call tell them you only have x amount of dollars per month to pay bills with and you need some cooperation from your bill collectors because you have fallen on hard times. Do not give them an exact amount of what you have to pay they will try to get it all and leave the other cheetahs at your backside. NEVER give them access to your banking accounts. They will wipe you out entirely.
If they refuse to cooperate, and they will at first for about 6 months, then tell them sorry you just went to the bottom of the list and politely tell them good-bye. Start with the lowest owed first, don’t worry about interest rates, the object is to get rid of the smaller ones. They will slowly all fall in line.
Read the Total Money Makeover and then read it again. It tells you exactly how to deal with the collectors.
What was said about them being trained to lie and be mean is absolutely the truth. My nephew in law was part of that pond scum society for a while. He quit because his morals were too high to act that way.
You want to know how I know all this? Because we’ve been there. Over $300,000 in debt when we started in January 2009 including our two mortgages. In late February that year my husband and adult son both lost their jobs on the same day from the same company. They were unemployed for a total of 18 months each.
We followed the advice of this group, re-read the TMMO many times and worked the plan while unemployed and beyond. Over the next 7 years my husband and myself were in and out of the hospital, Murphy tried to move in with us, but we stuck to the plan. On December 24,2015 We paid off our last debt in full.
If we can do it in our 60’s you can too, because you are probably a lot younger with more energy to work extra jobs.
Post your budget and we’ll help you to get there too.

Keeping this short

but wanted to chime in that I recently (Early January) had a medical emergency (seizure) that put me in the hospital for three days. Unfortunately I was transitioning to a new job and had no health insurance (went to hospital on the day I was supposed to start new job).

We are now looking at about $40K in medical expenses because I was uninsured at the time of care and my spouse is currently unemployed. But he was able to eventually submit a hardship letter to the billing departments and we are looking at a 50% reduction in our medical costs. Nothing to sneeze at but I say this to encourage you to try to find a person / address you can submit a hardship letter to (that’s what we did) because that will put you on file and provide a paper trail.

We were debt free up until this incident and it while it’s stressful as hell, we have a plan and are onboard together to get this paid off as soon as possible.