Comments on Horizons Community Blog (Colville, WA): Rural Families Economic Success: Earn It, Keep It,...

Getting a loan can help us get thought everyday li...

2012-02-10T00:49:55.123-08:00

Getting a loan can help us get thought everyday life. Thank you very much.
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Right, skyshrouder, thus, the blight of the rural ...

2012-01-30T03:22:51.135-08:00

Right, skyshrouder, thus, the blight of the rural families in succeeding in their lives. A disconnect in opportunities- the lack of education and a difference in culture- creates a lopsided (or biased) circumstance under which these people cannot simply jump in.

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Despite working hard, far too many low-income pare...

2012-01-12T00:03:57.547-08:00

Despite working hard, far too many low-income parents in rural communities find severe obstacles in their path toward financial stability and success. Too often, families are disconnected from the opportunities and supports they need to succeed. Their communities struggle to mobilize the resources and connections that strengthen families. These challenges can thwart the efforts and aspirations of even the most resourceful families and lengthen the odds against their children doing well.

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Deception might be the issue here. I hope they can...

2012-01-11T22:23:13.458-08:00

Deception might be the issue here. I hope they can do something about this issue. I really believe it'll be hard for those who are affected by it.
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Indeed, there are payday loans that are deceptive....

2012-01-11T21:40:20.620-08:00

Indeed, there are payday loans that are deceptive.

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I agree that Payday loans are deceptive since you&...

2011-12-08T18:01:13.759-08:00

I agree that Payday loans are deceptive since you're forced to turn over a postdated check, you may be harassed, threatened, or subjected to collection practices.

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I definitely agree with you on this one. It sure i...

2011-12-05T20:46:41.267-08:00

I definitely agree with you on this one. It sure is deceptive but what are supposed to do?
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The reality is, all of us need money to live a hea...

2011-12-01T18:31:47.104-08:00

The reality is, all of us need money to live a healthy life. We just can't rely on others. We should believe in ourselves.

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I didn't know that payday loans are a bad idea...

2011-11-25T01:43:35.742-08:00

I didn't know that payday loans are a bad idea. Thanks for the heads up.

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I think payday loans are a bad idea to start with ...

2011-11-21T18:43:13.320-08:00

I think payday loans are a bad idea to start with because the interest rates for these types of loans are extremely high. You can have a better deal with other loans.

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These are prime examples of the difficulties in le...

2011-10-26T01:35:12.498-07:00

These are prime examples of the difficulties in lending, but they, however, don't apply on each firm or bank that offer these. Payday loans could be an accessible remedy if you're running short on cash while required to pay off your obligations.
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You have great content that should be helpful to a...

2011-08-03T22:51:23.339-07:00

You have great content that should be helpful to a lot of people, but I suggest you format it better. The bullet points are a bit hard on the eyes (bigger font, maybe?) and the spacing between lines seem so random. It's amazing how much you know about loans, though. I know I'll learn from your other posts so I'll check them out as well.

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I think the emerging auto loan industry has a lot ...

2011-07-27T22:21:19.939-07:00

I think the emerging auto loan industry has a lot to do with the growth of payday loans. With growing bank interest rates, people are opting for loans from private companies instead.

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I whole-heartedly agree. It's easy to see expe...

2011-07-15T01:49:33.281-07:00

I whole-heartedly agree. It's easy to see expenses pile up. I suggest using payday loans only on emergencies, because the rates aren't always budget friendly.

Well-written blog! I think of what a struggle it ...

2009-12-11T11:14:24.850-08:00

Well-written blog! I think of what a struggle it is for most people to resist temptation, regardless of income. Unless you’re super disciplined, I think the more $$ one makes, the more one generally spends. I fight that urge every week and I don’t always win the fight.

That said, since I work at Rent-A-Center, I want to offer a little different point of view about renting to own. It makes me sad to read the WA state accusations - those things listed are absolutely against our company policies. And the senator who cites the ‘typical’ transaction with the high cost probably isn’t aware that the transaction is not really typical at all. I believe that only about 5% of our customers who purchase merchandise from us do it by paying every payment ‘til the end of the contract, most use the 90 days Same as Cash or other early payout options. (Similar to a credit card, it costs less if you pay off earlier, rather than later.)

Our customers use us because we take small payments for items and include services in a way that is more manageable for them. If they need/want to, they can return an item, for no penalty with the pick-up being no extra charge and when they want the item back, they can pick up the payments where they left off, again with the delivery being no extra charge. Customers can upgrade items while they’re renting and have previous payments apply to the upgraded merchandise. (Try to do any of that at a retail shop and see how it goes over.) Compared to retail, it involves different costs for our company and is more flexible and has different benefits for our customers.

I agree that it’s great to save and have the total payment ready and waiting for something that you’ve found the absolutely best deal for, the truth is that sometimes things break and you need reliable replacements right then, in a way that you can actually pay it. Where I work is just one more option for people in that situation.