Cash Pay Advance

I need to make money, to pay for school. I don’t qualify for a loan but my parents are iffy on paying for my education too. Basically i need to somehow make 5000-6000 dollars in a little over a month or at least make 3000 just to pay for half of it and half later. What jobs out there could let me do that? I already work in retail, part time, but it pays me very very little and even if i go full-time i will not make much more either (I calculated it and it’s pathetic numbers) I have thought of being an exotic dancer, because the pay is great, but I don’t like the nature of the job and plus I would be afraid of someone finding out that’s what i did to pay for college. But I would like to find a job that will let me do something physically and something like go-go dancing? I don’t know….any suggestions will be appreciated!!!! (Waitressing didnt’ work for me either, lol, i tried it and i was the worst waitress ever)

I have found a pretty good deal on a 04 Civic LX for $9,200 out the door at a small car lot. Original price was $11k. It has kinda high miles for being 3 years old (65K) but I only need a car for 1-3 years. Plus I already have a loan and my own money so I won’t have to do any financing with this place, just “cash” payment. So would anyone help me decide if this place seems legit?

PS: The people who run it are ASE Certified mechanics and have agreed to let me take it to 2 different mechanics before I buy.

http://www.aploforlando.com/vprofile.asp?vid=1423

(Thats the link to the car itself if anyone wants to check it out.)

Here is the situation, I have tennants in a 2 bedroom single family rental home. They approached me about a land contract. They have bad credit, but are really trying to get things back on track mid 30’s and they think its time to own a home. I owe $35,000 on the house at a 6.5% interest rate
my payment is $425.00 per month. They have two childeren so income tax they usually receive around $7000.00 in income taxes.
What I am going to propose to them is I will allow them to asume my loan basically (they now pay $600.00 in rent per month) pay $425.00 per month to keep their payment low but I would like them to sign a seperate agreement stating they will give me $5000.00 out of their income taxes every year for 5 years or land contract is null and void that way I will profit $25,000 after 5 years. They will avoid paying a large monthly amount if I was to finance it for $60,000 on its own plus they don’t have to pay interest on the extra money they just pay me cash. Good Idea? legal?

Speaking from experience, I would like to warn people about using Cash Call. The interest rate is 99%. I got the loan to help with moving expenses. We did not move and started pinching off the money and then I let my husband use it for car repair expenses. Well, one year later I am paying off the $2600 loan and my payoff is $2700. Thank God I am able to pay it off. A year of paying and I am still in the hole. Plus, I was never late but because I did not pay on the first of the month they called me everyday 4 or 5 times a day. Even when I told them I would be paying on Friday (for example) they would still call 3 or 4 times just to make sure I am still paying on that day. Can you imagine how much they would call if you were actually late? It is a nightmare loan. Please Don’t Do It.

I just purchased purchased my first home for $181,900. I put 10% as a down payment$18,400 plus $500 ernest money. I had only 10K on hand a had to borrow the other 8K from another lender. My question with the 10% down payment does that give me some kind of equity if so when can I refi to get some cash to pay off the high interest 8K loan. Or could I get another loan at a lower rate and pay off the higher rate loan. I need some advice on the best way to go about this. Because we can handle the mortgage and the loan but want to get out of it as soon as possible. All serious suggestions are appreciated

I recently received a job offer in another state and I need some up front cash to pay for a deposit and first months rent for a place since I am right out of school. I tried to obtain a small personal loan from several banks but they would not let me get one even though i have an excellent credit rating and my family can not help me out and the company can not provide relocation assistance.

My question is what is the process for getting a cash advance from a bank (not an ATM). I don’t have a PIN number so I can’t use the ATM so I need to go into the bank plus I have a larger cash advance line if I do it in the bank. Do i just go into the branch and tell the teller that I need an advance off my credit card?

I know the pitfalls of cash advances but it is my only way of getting money for a place. I have already went through a budget and I can have the credit card bill paid off within two months at the latest.

So I’ve been thinking about buying a house for a while, and although I think buying one straight out in cash would be good (I could never do that), it seems like the traditional way is a waste of money.

Heres the way it goes through my head.

I live in seattle area, and about the lowest you can find a house around here is 220K. Well That equals about a 1200 a month just for the loan, which equals about 1000 a month your pissing away in interest. Plus property taxes about 2.5K a year, not to mention about 100 in PMI, and 100 in home owners insurance.

Just that there totals about $17K per year being pissed away in taxes/interest/insurance. And thats the cheap house, a median 400K house would be twice that. Yes I know houses apprecite, but how likely is it to appreciate over the $17K you pissed away. I can just rent a equal house for half the cost of that wasted money, sure its a waste, but not as much of one. How do you ever get ahead this way with so much wasted money?
I understand houses appreciate in value.

Well, the way I see it is sure, the house might appreciate in value, but say in 10 years you’ve wasted probably close to 200K in interest and property taxes. Doesn’t seem like the house is going to appreciate 200K in those 10 years.

People say that at the end they have something they own, and to show for it. However its my understanding that over the course of a 30 year loan, you pay 3 times the value of the house in interest (not to mention property taxes). So if you bought a house for $333K, that means you’ve paid a million dollars, just on the house, not to mention the taxes and insurance. That’s probably 1.1 million you paid for it. Its not going to appreciate enough to cover those losses is it.

Or what if someones house appreciates 40K in 5 years. Don’t they realize that sure it appreciated 40K, but they wasted $60K in interest / taxes / insurance.

I want to be proven wrong. I want to understand. I just don’t see how you get ahead.

that was gained from using her credit card. He told her he would pay her back in a week (over a year ago) so she took a cash advance from her credit card . I know this was foolish on her part and she all so knows that. He owes her aprox. $7000.00 plus fee’s. He will not pay her back he gives her money like $50, $20 here and there. She has stayed with him thinking she would get repaid but nothing now she is leaving and she wants her money of course. He said to her so take me to court. Come to find out this man has done this over and over to woman.
How dose she do this? She lives in New York state. What should she do? How dose she get all of her money back? Please Help?

I’m single & have lived alone for 18 yrs. I’m unemployed & doing SOME housecleaning making VERY little money to get by. I have NO family to loan me money & NO assets to sell for cash & a ‘94 Civic that’s NOW needing various repairs. Rents due & I DON’T have it & have NO place to go. I asked a girlfriend I’ve known for 30 yrs to move in & SPLIT the rent, etc., for a couple of months to avoid eviction. My girlfriend agreed since she too has money issues BUT, she HAS family whom have given her thousands, a 2004 PT Cruiser, 2005 fully loaded Ford Focus, a Harley Davidson, lots of nice jewelry, an earth contact home she’s waiting to move into as soon as her ex-husband moves in 2 months, IRA’s & retirement savings & a marine gentlemen whom she practically lives with PLUS she makes approx. $700 or more doing internet real estate AND she has a 17 yr son.
My girlfriend & I agreed ONLY she would move in while her son lives with a classmate until he graduates H.S. next May.
Without 1st discussing with me, she’s moving her son in too BUT tells me she is paying $250 of the $500 rent & HASN’T found the time to arrange the cost of her paying half (1/2) of ALL the utilities PLUS cable/internet. ALL my furniture including my washer/dryer will be used EXCEPT for her son’s bed.
I have MY ex boyfriends laptop & plan to sell his laptop to help pay a portion of my rent due. I have counted on selling it since I have NO other assets. etc., to get some cash I DESPERATELY need. My girlfriend WANTS the laptop for her son & says she will give me $75 BUT I can get $150. I’ve told her this, it pissed her off so she contacted MY ex boyfriend (BEHIND MY BACK), Now MY ex boyfriend says he’ll just let her son “use” the laptop.
I’m EXTREMELY pissed since she has been FULLY aware of my plans to sell the laptop for DESPERATELY needed cash & unlike her, I DON’T have big assets NOR family NOR a marine boyfriend—I HAVE NOTHING.
*** I have the laptop in MY possession and MY ex boyfriend does NOT & has NOT cared I have his lap top. I’ve budgeted $150 & decided NOT to sell her the laptop since she wants to pay me ONLY $75 for it even BEFORE she went behind my back to MY ex boyfriend & I DON’T care if this pisses her off. Am I in the wrong? How would you feel?
Also, is it WRONG for me to feel that the rent PLUS utilities/cable/internet should be SPLIT three ways since there will be three of us with her paying his 1/3 of the rent, etc.? Her son is 17 & has his own vehicle & a part time job. NOTE: My girlfriend & her son surf the internet heavily & I asked her to help pay 1/2 the bill two days ago since the internet/cable company turned off the services BUT she DIDN’T pay 1/2 to turn back on the services, ignoring my calls during that time. *The internet/cable company bills a month ahead of services.

My husband had his resume posted on Careerbuilders and was emailed this job prospect from Global Group Healthcare. He thought it sounded good: guarranteed income, no risks, a nice little side-job to help support our 4 kids. He was suspicious, but decided to give it a try. The company sends a check, which you are supposed to cash and wire 90% to the company, and keep 10% for yourself, plus a monthly salary of $900. He signed the contract, got his first check to cash. Took it to the bank and had them check it out. They thought it looked good and cashed it so he wired the money to the UK. Afew days later the check bounced and now we owe the bank, we have a huge overdraft and will have to get a loan to satisfy the bank. I hope there is something we can do!

Like a dummy I helped a former co:worker out with a loan. She promised to pay me at least a little at a time, and has only repaid $50. I cannot stand to say how much she owes me; she got me when I was feeling generous after a relative left me some money. She is still working (not where I work) and another former co:worker of both of ours, works there too, and has emailed me that she is still there. (I didn’t tell this other person what is going on).

I just sent the “borrower” an email saying she should be paying me something & I’d like her to call/email me. She’s not responding. I haven’t gotten nasty yet. I do know where she works, because I went there to give her the cash.

BUT I DID MAKE HER PUT IN WRITING THAT SHE OWES ME & THE AMOUNT. Plus, she emailed me when she asked for the money, & has emailed me (awhile back) how she promises that she’ll pay.

If I have to go to small claims, can they make her pay, attach her wages etc?

Believe me, I’ll never do this again!
If I do have to take her to small claims, I have “extended” family members who work for the Sheriff’s office, whom I can probably have serve her. I really wish I didn’t have to do this!
It is under the small claims court time limits, it’s been about eight months.

He had her increase a credit card limit to $70K, then had her write a check and get a cash advance against it. He also had her wire $70K to him from her bank account, which had just been put there from my father’s life insurance company. He died late last year. The remaining money was from bank loan my parents gave him over 10 years ago. $22K plus interest. His company, Precerche, got a Department of Defense contract late last year, for $1.3 Mil and he also purhcased a new house valued at $1.3-1.7 Mil. The payments on this house are in excess of $8K per month. He is a swindler and a cheat. He hasn’t paid taxes on the “loan” money. His kids go to Regents School of Austin, a private school which costs about $25K for them. His wife acts like she doesn’t know anything about it. He has consistently lied about his ability to repay the “loans” in order to get access to more money. He also owes me $16K. Got any ideas? No tire slashing or magazine subscription blitzes please.

Hello, I am going to commute to school in around 3-4 months and I need a 4wd sedan. 4WD mostly because the snow removal around my house is lousy and I really cant miss my classes which are a 25 mile highway roundtrip. PLus I snowboard a lot so an AWD vehicle looked good after years of getting stuck with the van. So I decided on a 2001 Audi A6 for about $ 12,000. Its clean, much more fuel efficent than my family minivan, and does what I need it to do. I have enough money to cover the Insurance and gas but I cant make enough cash quickly enough to cover the vehicle in time for school so I heard about college loans in which one can allocate funds to their choosing my main need is transportation so I figured with all the school finances squared away I would purchase the car with a loan. My problem is how much I need to target for the total cost of the car I live in Forest Hills new York and would like to have the loan cover the car so that includes all DMV charges and Taxes. Thanks

Fixtures and equipment
decorating and remodeling
installation of equipment
starting inventory
deposits with utilities
legal and professional fees
initial advertising costs
cash

plus monthly expenses like:
draw
salaries and wages
rent
advertising
delivery expenses
supplies
telephone
utilities
insurance
taxes with social security
loan and interest payments
maintenance
legal and professional fees
miscellaneous

I’ve never had any problems with my apartment or my landlord, never been late on a payment or anything, but I dont have enough to pay it on the 5th. (last day of grace period.) I just had a really bad month with finances. Alot of suprises :( but I get paid on the 9th, and can pay it then, but it will be 4 days late! I REALLY do not want to pay it late, and dont want to take out a loan, or cash advance. I heard you dont get charged with a late fee if you pay it 72 hours after the 5th? I could write a check on the 8th, and pray it doesnt go through until the 9th.

I’m completely lost, and desperately need advice. Thank you so much for all of your answers!

I forgot to say that I have already spoken with her, and she said she was sorry about this because i have a perfect apartment history with her, and said she could do a partial payment, but it would still be as bad on my credit. Plus, I dont have enough money to DO a partial credit. But I’ve already told her, as a head up. FYI!

I’m in a tough position. My wife and I both work with a combined salary of roughly $250K a year. We are doing everyhing that we can think of to lower our tax basis. We fully contribute to our 401ks (maxed). Our home is fortunately (from an interest perspective) almost paid off, unfortunately little deduction is left due to minimal interest. We have no dependents to claim, or sock money away in tax deffered accounts for. We just started putting into IRAs for both of us (not for the deduction since it doesn’t apply, but for the tax deffered gains).
We have no debt, thus no need for a home equity loan. We are in the strange position of being very cash rich and on a great track to an early retirement but we are getting pummeled tax wise for it!

What can we do? There seems to be little if any option for people in our position. How can we “protect” our money further from the constant crunch of Uncle Sam?

Friends have said we should buy another house but I don’t see how creating additional debt (and paying more interest) helps us protect our money further or gets us to retirement any quicker. Plus I assume we would have to make that our primary home to even take the deduction and quite frankly we like where we live.

Help!!

I spent the money on my communitee college classes nearby. I have no job currently except trying to work off ebay and art commissions, plus other odd end work. But I still dont get paid as much as someone with a full time job. Yes I looked around for one but living in the desert where there are few entry level jobs to begin with, it’s difficult to find one.

Anyways would I be denied loans based off my credit card amount? I still manage to pay the basic every month. I’m also figuring that I’m going to sell my car before I go as something which I wont have to worry about anymore, plus get cash.

Also I’ve done quite a few overdrafts on both my bank account and credit.

you can volunteer but no one will hire your. You went to school to retrain for a new career but that only lead to more debt and still no one would hire you. You got a job but the manager fired you for some petty reason. You tried to start your own business but it turned out to be a lemon. You had family and people around who you needed financial help but you could not help. You were being cyber-stalked and stalked. You go into a store and all of a sudden the cashiers have disappeared and the doors are left open. You find yourself alone waiting for what seems like ten minutes at the cash register looking at the open door. Would you walk out with the merchandise? Would you turn to crime if you found your self in dire straights with no money?
Under what circumstances do you think an average person would turn to crime? Do you this might be the subject of a Stanford University or other study in the Central Florida area? Or is this a way of keeping immigrants and minorities down?
What if your parents had no health insurance, no Medicare, nothing like that and both had had surgery. Then your father had a stroke and needed 24 hour care and you were one of the people they depended on to help.
You did not really need a job. What you needed was money. Would you become a criminal or commit a crime to get money?
I am in a store at the cash register ready to check out but there is no one there to ring up my stuff. The door is open. I wait and wait and wait maybe ten minutes. This is the third time I have experienced the same set up. Obviously it’s some kind of a test to see if I would steal merchandise. Milgram studies? Or is this something some group is doing to keep immigrants and minorities down?
There is nothing to done until a person has money or a stream of income - wouldn’t you agree?
FYI. I have a husband who makes a fairly decent wage. However, he is angry that I am not working and will only make minimum payments on my debt until I find work or have an income to pay off my own debt. I do not need credit counselling as it will not alleviate my situation. My situation is that I feel worthless and have no quality of life because this a money culture and money is what makes quality of life here. My situation is that my husband pays off his credit card debt right away but refuses to pay off mine. Also I am on a tight house keeping budget and I am trying to cut back . Until I find a way to make money my quality of life will not improve. My husband is a computer guy who only need a PC and a monitor to be happy. He’s a good guy but totally unaware when comes to my needs or anybody’s needs for that matter. I know he is doing the best he can. We both are looking at our options. There are many. Credit counselling would neither help me or change my life for the better
I want my life back. I don’t want to be used to promote a new American gang stalking phobia. I want my life back.
You know what the problem is? There aren’t enough criminal in this country. I took a psycology class at Seminole Community College in Sanford and learned next to nothing about psycology. Instead we were taught what designer drugs to take, all about uppers and lowers, where to get our tattoos, and to always keep a baseball bat in the trunk of our cars. We were bombarded with horrifying images of the holocaust and all manner of shock value. There aren’t enough criminals here! There are too many police with nothing to do. They want people to put in all those new jails they have built. They want us to go out and be criminal and crimes. Why else would they do this? They are trying to manufacture criminals.
I am an American citizen and this is a country of laws. I am entitled to work, make money do as I please so long as I am not hurting anybody and abide by the law. I have lived here more than 22 years and I am a proud supporter of the NRA.

ok now my mom is arguing that these companies dont operate under the same principle please come up with the reasonably answer so i can show my mother that they all operate under the same pricipal. the companies i am talking about are comanies like “cash and go” banks, credit unions, and all forms of financing and loans

please answer me this is there a basic principle to these companies and their various ways of leniding money advancing monye loan money wether it being, 10, 20, 500, 1,000, 50,00 200,000, do they operate in this priciple “they borrow, then they pay back the money, plus an intrest wether, it coming from a table, apr intrest rate, and all other forms of intrest.”

basically if all companies are almost the same.

hopefully you guys understand me to end this arguement.

When I married my babe, she knew i was committed to Rock. I’ve been in bands for the entire 12 years we’ve been married, which I guess you could say is my job. Anyway, even though she works two jobs, she doesn’t seem to really make much cash for us. Recently a promoter stopped by one of my shows which my wife was at - long story short, he implied that if I want to get signed by his label, I should ‘loan’ him her for a night, and would front me a few bills in advance of this as a sign of how serious he is about signing my band. The bucks would come in handy. I really don’t want to ask her to get a 3rd job and we could use the money. Plus, if I get signed, money won’t be an issue for long. I’m thinking about talking with her about it and giving her the choice - accept proposition or get a 3rd job, its completely her choice. Will she be upset with this or understand my reasoning?

I feel like I am in a poor position to negotiate since I have no cash, plus, all of the homes I like are about 30k more than I have pre-qualified for on my mortgage loan — Dave.

you know how dealers are they always offer less than your car’s worth so im selling it so i can get a new hybrid car….my pt cruiser is worth around16 thous and i know buyers cant always get cash so what other safe method can you use to get the money to pay off the remaining loan on the car?
plus what paper does seller/buyer has to sign?

Now I know why people say never loan someone money! back if feb. my boyfriend was uneployeed for awhile and was down on his luck, he lost his eye glasses and he needed them to drive so I felt bad and took him to the eye doctor and got him a new pair. It cost $70 for the glasses and he told me when he started working again he would pay me back. We also that same month in feb joined a gym and I pay him 15$ for my half each month. Well now he is working and making good money and now he tells me I owe him the 15$ for my half of the gym, plus 5 bucks b/c we went out and he bought me drinks since I had no cash on me. I know its just 20$ and its no big deal but im just thinking that he still owes me 70$!!! I dont want to start a fight but I cant seem to help but think im dating a gold digger! Plus when he was down on his luck I would buy things for him just to be sweet, and now that he has a job he is asking me to buy him stuff!!!
I have dated this guy for a year and half and never once asked him to buy me anything!!! I was brought up to never ask someone to buy you something, they should just do it out of the kindness of there own hearts! Like I was doing….now im being asked to buy crap!

Mom had an emergency surgery four months ago plus three set backs. Needs another major surgery to finish the first procedure once she is healthy enough. She is under 60 so does not qualify for medicare or medicaid. Applied for disability but that will take at least 3 mos to process, and if approved still won’t be enough to meet the $3300/mo payment plan. Current monthly income is $911.00 from dad’s social security. House is paid for but cannot get a reverse mortgage (too young) or a home equity loan (income too low). Parents have cashed in their IRAs and stocks (losing 40% in fees, penalties and taxes). NOTHING is left. About to be turned over to collection tho they’ve always had the best credit rating. Hospital has offered a 25% discount if they could pay the entire initial bill, but there wasn’t enough stock/IRA money to cover even that.

Can we get the bill down to what an insurance company would pay for the same services? How do I find out what are “customary and reasonable fees”?

I have a check given to me by my school for a parent plus loan refund. and it has my fathers name on it, but he is in prison and can not cash it. I do have rights to his Parent plus loan account to get information about it.

So, basically I wanted to know if there is a way I can cash the check or deposit it into my account so that it does not go to waste, after all it is my school money and i do have to pay it back myself.

thanks