6574 North State Road 7 #137 Coconut Creek, FL 33073
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11 May 2020
payday loan consolidation

California payday loan chain applies for a 600000 Payday Protection Program loan! Seriously!!

Just when you thought you heard it all! That is a mind-bogglingly Ballsy move. The unmitigated gall. A company called Payday Money Centers in California has filed a lawsuit in Federal court asking for their piece of the pie. The CEO of Payday Money Centers Dan Gwaltney,  has said and I quote,”I am struggling to understand the difference between my employees who walk into our storefronts and the employees at the dry cleaners next door” Now this is coming from a man whose company charges upwards of 400% interest. Consumer advocates are outraged that payday lenders want better treatment than they offer consumers who end up being trapped in the payday loan cycle for years. These are the very companies that get our clients into debt and force them into payday loan  consolidation programs. Of course Charles Schumer House minority leader is outraged by this suit and says that the Coronavirus is creating opportunity for these greedy loan sharks.

So, here’s the thing. I get the outrage. I also feel the pain that the people caught in the payday loan cycle feel. Borrow, roll it into another, and again and again. They end up hopefully calling a company like ours with 23 years experience and end up in a payday loan consolidation program. Working with us usually lowers their interest rates down to 0%. So there’s a parachute there, or as they say at a poker table, payday loan customers have some outs. Obviously in my mind, a payday loan consolidation program is the answer. I have a flip side view of this as well which provides an interesting counterpoint. Now, I’ve seen lots of pain and suffering caused by payday lenders like these over the years. I think they need to cap their interest rates and if they don’t the government needs to do it for them. Notwithstanding all that, why doesn’t this company have the right to apply for this loan and actually receive it?I do believe the coronavirus has hurt their business. They didn’t write the Cares act. The Cares act certainly doesn’t target these type companies as ineligible for a loan. These payday lenders also have employees who are Americans just like you and me and has the right to participate in Federal programs. What gives the powers-that-be the right to interpret the Cares Act Paycheck Protection Plan as one which excludes payday loan companies? Just an interesting thought and a very interesting topic that in certain circles will receive a lot of attention. Bottom line, if you’ve been victimized by companies like these and need help quickly, Federated Financial’s payday loan consolidation program is your answer. We want to help you and we care. feel free to dial our 800 number on the top of the page or fill out our 30 second short form. You will be glad you did. 

10 May 2020
payday debt consolidation

What the Hell is going on here? Where is President Trump’s mask?

Before I get started I’d like to mention one thing. People who come to this site come for one reason. Payday debt consolidation is important and its real. This pandemic has destroyed many people’s financial dreams and put them in a desperate situation. Predatory payday lenders are right there taking take full advantage. As the country reopens it will just get worse. If you have a payday loan the interest rates likely run you between 200% and 700% annually. You need payday debt consolidation. We are one of the two or three oldest providers in the country. We are in our 23rd year of serving America and we are rated A+ by the BBB. In most cases we can have your creditors reduce your interest rates down to 0%. This will get you out of debt quicker and for a whole lot less money. We are the go-to company for payday debt consolidation. We Care!

Where is the President’s mask? Yesterday, the President, along with a group of veterans honored those we lost in WW II. Yesterday was VE day. VE stands for Victory in Europe and it commemorates the day that the Allies accepted Germany’s surrender. May 8th 1945. It marks the beginning of the end of WWII. Of course as we all know the war ended in August of that year when President Harry Truman dropped atomic bombs on Hiroshima and Nagasaki just three days apart. On Aug 6th,  Hiroshima and on August 9th  Nagasaki. On August 15th 1945 Japan’s surrender was announced by emperor Hirohito and formally signed on September 2nd 1945. The war was over. The men who fought in that war war were the greatest generation. The bravest men that ever lived. I know a lot about it. My dad was a member of the United States Army Air Corps. There was no Air Force then. The Air Force was a branch of the Army. He belonged to a very elite group. They were the 43rd bomb group. They served in the Pacific theater. He was in the 65th squadron. The 43rd was a group called Ken’s Men. Long story behind that. Perhaps I’ll write about it one day or perhaps you can Google it. He flew nine bombing missions over Japan. He was a SGT….a non com, and was the radio operator on the B-24 he was serving on. Why am I writing all this? These men who still survive, number in the three hundred thousands now. They are truly an American treasure. In 10 years they’ll all be gone. There are still so many stories to hear and so much history to learn from these amazing brave men. They served our country without pause for thought when America was attacked on December 7th 1941.

Yesterday the President presided over a very small ceremony with just a few of these wonderful men in attendance. The day before yesterday on the 7th, President Trump’s valet was diagnosed with covid-19. The President presided over this ceremony without a mask. He walked side by side with the first Lady to pay his respects at the wall which lists the fallen. He then walked over to where the soldiers were sitting and from about eight to ten feet away saluted them. They saluted him back. Where was his mask? Where! Was! His! Mask? These are American heroes. They’re all in their mid 90s… minimum. Covid is a death sentence for any one of them. Why won’t he wear a mask? This is not the first time. If he doesn’t respect the soldiers, doesn’t he respect his wife? There always seems to be an excuse. At the very least, SET AN EXAMPLE FOR THE PEOPLE MR. PRESIDENT!

09 May 2020
consolidate payday loans

Could consolidating your credit card debt be your answer?

As always it depends on your circumstances. Credit card debt consolidation is the process of taking all of your credit card debt, contacting all of the banks that issue the cards and creating a repayment program which will ensure they get paid, your interest rate is greatly reduced and you get out of debt in the shortest amount of time possible.All of your credit card payments will be put into one monthly payment. It makes it easy. We draft your payment every month and immediately disperse your funds to your credit card lenders. Consolidating your credit card debt does not hurt your credit. Initially, you cancel all of your credit cards except one. Put that away for a rainy day just in case you need it. Once you cancel those cards your credit score will temporarily drop. As you pay down your credit card debt in most cases your credit score will slowly rise and it will be marked on your credit report that you are paying your debt through a third party. Consolidating your credit card debt through a third party is not a terrible thing. The most important thing is that you’re paying the bill. It’s a short-term loss for a long-term gain and a big gain it is. credit card debt consolidation programs customarily take between three to five years to resolve. They resolve at a lower payment and a lower interest rate.Credit card consolidation stops the dunning phone calls from your creditors and allows you to pay off your credit card debt in an affordable manner. Federated Financial has been doing this for 23 years. We know our business. Give us a call, or fill out the form on our front page. It won’t take more than a minute. Contact us and put yourself on the road to Financial freedom! 23 years on the job plus an A+ rating with the BBB says we’re good at what we do!

08 May 2020
payday loan consolidation

One of the many times that Star Trek, TOS, mirrors real life!

Before I begin this exercise in entertainment and I believe this will be a very entertaining post, I’d like to tell you a bit about your problem and the reason that you’re here. We can help you. You’re here because you have payday loan difficulty. You’re having problems paying off payday loans. Anybody would. Between initial shutdown and slow opening of our country many jobs have been lost and many of the loans that were taken before all this started have not been paid back. In addition, as people go back to work many will be writing post-dated checks to Payday Loan Companies to borrow money. If you’re in that situation I wanted to tell you that you’re on the right site and consolidating payday loans can help. It can help a great deal. As a twenty-three-year-old company, Federated Financial can work with your creditors and in most cases have your interest rates lowered to 0%. In regard to consolidating payday loans this will help. Removing the enormous amount of interest from your balance lowers your payment and definitely will get you out of debt sooner. In addition consolidating payday loans takes the pressure off of you and your family to come up with that big payment every week it makes life much easier to live. Start your road to Financial Freedom today. Fill out our form, give us a call and let us help you. We’re good at consolidating payday loans and we care!

And now on to the show!

https://memory-alpha.fandom.com/wiki/Star_Trek:_The_Original_Series

Star Trek, the original series premiered in 1967 and ran for three years through 1969. It’s very interesting to go back and watch these shows today because almost every one of them had a tomorrow. It’s almost eerie.The fertile imagination of Creator Gene Roddenberry is legendary. Go back and watch an episode. You can watch all 79 of them, three seasons on Netflix right now. You’ll notice that many pieces of equipment, gadgets, and everyday items that we use today were originally invented by Gene Roddenberry and used on the Star Trek show. Let’s start with the sliding doors. Back in 1967 who would have ever thought that you could walk into a door and just have it open for you automatically? Well we sure didn’t and as we watched it we realized we were watching science fiction. Computers that talk. That’s right computers that are actually conversational! Now all computers talk. We talk to Google and Siri. Tablets. Yes, the iPad. Yeoman getting orders signed on an iPad. Pretty wild huh? These are just a few that immediately come to mind. There are so many more. Of course we’re not transporting anywhere anytime soon so after all that it was still science fiction. The first two seasons were the best. NBC, knowing that season 3 was going to be the last, cut the budget allotted for each show, consequently cutting the quality of the episodes and the show wasn’t the same in that final season. Thank goodness Gene Roddenberry along with Bob Justman produced Seasons one and two. Their imaginations were amazing and many of their stories mirrored real life events, or past history in our country. The episode I want to talk about in this article has a lot to do with what’s going on today. It was an episode entitled The Conscience of the King”

This episode took its title from the concluding lines of act 2 of Hamlet. I’m going to review it and compare it to these Coronavirus days. I believe that Gene Roddenberry and his crew sometimes had the gift of Nostradamus.

https://memory-beta.fandom.com/wiki/The_Conscience_of_the_King

A traveling theater troupe hitches a ride aboard the Enterprise to their next show. This is a group of highly respected actors. To thank the crew and the Captain, Anton Karidian and Company perform Hamlet for the Enterprise crew. During this performance the Captain and crew member, Lieutenant Riley recognize the voice of Karidian. It’s a dark voice from a dark past. There are only nine people living who have heard that voice before. The two Enterprise officers recognize it as the voice of Kodos the Executioner. As Governor of Tarsus IV, Kodos seized power when the food supply of the colony was almost completely destroyed. The whole colony faced starvation. Kodos had a decision to make. It was a life-and-death decision. Does everybody die? Or do half the people die so the other half can survive until the supply ships arrive? His decision was the former. He killed 8000 people. He also thought he saved 8000 people, but the supply ships arrived earlier than expected and nobody had to die. Kodos disappeared right around the time Anton Karidian became famous. No coincidence here. Kodos the Executioner was still alive. The whole episode is great. You ought to watch it one day. The real moral of the story is, who gets to decide who lives and dies, if anybody. And what is their responsibility…. and is it a crime to do what Kodos did? It’s a conundrum to say the least and it still is. Of course I’m oversimplifying the screenplay to make a point, and by adding a couple of really good sub-plots within that story, it makes this a stand out episode. I’ve given you the general idea of what Gene Roddenberry had in mind when he green litthat script. A morality play at the time, today it almost mirrors real life. Life in the time of coronavirus. Think about it for a moment. We are opening our country to stimulate the economy before we should. Why? Why would we risk more lives? Well, if we don’t, nobody knows how many will die without the necessities of life they don’t have the money to buy? How many will die of suicide directly relating to depression? How many will die in domestic disputes or because of a straight-up murder? Many questions to ponder. This is really a decision that no one man should have to make. Not the fictional Kodos or the very real Donald Trump. I would hate to be sitting in the chair that makes that decision right now. It’s not a winning decision. Either way the decision goes there’s going to be suffering. This is not as simple as many people are saying. This is not about short-term gain with long-term pain. The long-term pain is going to continue for quite a while. The coronavirus won’t die but many people will. Either road that’s taken will cost American lives. Think about it, what would you do? Truth be told, I don’t know what I would do if I were leading this country right now. The direction that this country takes for the next 10 years is going to be determined over the next 6 months.

Interesting comparison though. In Star Trek land Kodos was guilty. In the United States of America in 2020, the President is pretty screwed either way. To use one more Shakespearean line with a bit of alteration, “to open or stay closed? That is the question”

06 May 2020
payday loan consolidators

The country goes back to work at the cost of human life!

Incendiary headline? Perhaps. Truth? No doubt. So here’s the thing. It’s basically a lose-lose situation. Models predict that the death rate per day in the United States will spike up to 3,000 people by June. If we don’t go back to work some people will be financially destroyed. Already payday lenders are flourishing and payday loan consolidation companies are fighting to keep up with them. New clients are flocking in. If we don’t go back to work, mental health will continue to suffer. What I mean by that is that during this lockdown people have been getting depressed. Especially seniors who live alone. The suicide rates have been going up. Domestic violence calls have been rising greatly. People are literally going stir-crazy. This is a complete no-win situation. I would hate to be a President right now. Every call is the wrong call except for one thing. Our president had the choice to roll this out slowly or straight out open it up like a bull in a China closet. That would be the opening he’s chosen which in many states is in direct contravention to CDC guidelines and his own guidelines too. He released those guidelines just a week or so ago and the one that sticks out in my mind is a state must have a 14-day contiguous decline in virus before re opening. In his reopening plan that decline has not been complied with. He just can’t comply with his own rules. He has zero patience. At this point in time this should not be about politics. As President George W Bush so eloquently put it the other day, and I’m paraphrasing a bit, this virus doesn’t play favorites between the one party or another. We need to put politics aside here and just do the right thing. Governor Andrew Cuomo during his press conference just this morning asked The $64,000 question. How much is a human life worth? Very complex question given the circumstances. His answer was “human life is priceless”. He would add, that his reopening plan has a circuit breaker. As soon as the levels of the virus go up the State closes again because human lives matter. So where am I going with this? As I said in the beginning I wouldn’t want to be the President.What happens in the next month will define his legacy. It will cement his place in history till the end of time. What price has he put on human life.That question might not be difficult to answer. The answer goes something like this.. the models were predicting around a hundred thousand deaths by August as recently as 10 days ago. Some models are now predicting more than twice that. 3000 deaths a day. If that were to happen it would be like having 9/11 every single day. Not everybody is like Governor Cuomo. There’s a big election coming up in November, exactly six months away. I believe the answer lies somewhere in between the quandry questions and is based solely on politics. The president believes, based on his actions, that 100,000 extra deaths are acceptable to keep the country economically afloat. Personally I don’t agree but it’s not my decision to make, and Donald Trump has an election to win. What to do? It seems to me this is a decision that can’t be made by a man but has to be dictated by the universe. I agree with Governor Cuomo. Every single human life is priceless. If you don’t believe that talk to the next of kin of the last person who died of Corona.

The financial problems we’re having here in the USA are real. So many people are still out of work and many of them have gone back work this week or will be going back next week. They’ll be a price to pay for that. The alternative is not feeding your family. There are certain things that we here can help you with during this very very strenuous time. We can help you with your bills. We are the best payday loan consolidation company out there. Our 23 years worth of experience says this is so.

Obviously if you’re on this site you are looking for a great payday loan consolidation company. Stop right here and browse no further. Federated Financial is a full-service payday loan consolidation company. We work with all types of debt and our specialty is payday loan consolidation.if you’re one of those folks that need help, just call our number on the top of the front page or fill out our 1-minute form and hit submit. Someone will get back to you very soon. We enjoy what we do, we have the longevity to do it properly and we care!

06 May 2020
chris cuomo cnn host

Who is Chris Cuomo?.. Seriously!

The day after Easter I read an article that talks about an incident that Chris Cuomo had with a bicycle Rider as he was recovering from his case of coronavirus. I found it especially interesting, because between all the Fox and CNN hosts he comes across to me as the most sincere person of the bunch. He’s a liberal but he’s open-minded and is pretty fair to the administration. He tells the good and the bad. He conducts himself like a humanitarian and many of his guests are common people that need help. So I was pretty surprised to read that he had an altercation with a bicycle Rider that Easter Sunday afternoon. It seems like he was standing on a piece of property he owns and is building a new home on without wearing his mask. He was with his wife and his kids. Remember this is his property. A bike rider approached the property and admonished him about his lack of safety protocol and not social distancing from his family. I think there’s a lot more to this story but as it was told his wife walked over to the bicycle Rider and asked him politely if she could help him. He proceeded to tell her that he knew who her husband was and he’s not following his own rules nor is he following the rules of his brother who he called the Corona Czar. Cuomo approached him without getting too close and basically told him, “get out of here. I know who you are I’ll find you. Mind your own business”. He went on to say “this is not the end of this you’ll deal with this later, we will meet again” In addition Chris Cuomo was incensed enough about this incident to continue it on his radio show the next evening. He said “I don’t want some jackass loser fat-tired biker being able to pull over and get in my space and talk bullshit to me. I don’t want to hear it” His accuser filed a police report. Before I continue with the flip side, I feel compelled convention that Chris Cuomo was also involved in an altercation last fall at a bar on Shelter Island.he was being heckled and one of his hecklers called him Fredo. He went off on this guy telling him that he was going to throw him down the stairs. To be fair to Chris Cuomo, after this happened, he tweeted and I agree, that calling an Italian-American “Fredo” is like using the n-word. He went on to say that given it all that he should have been better.

So, who is the real Chris Cuomo? Is he this mad man bully which quite frankly he acted like in both instances, or he’s the nice kind normal incredibly intelligent guy we see on TV every night? Remember this. Both the Cuomo Brothers we’re born in Queens. As someone who was born in Brooklyn I do know that being born in Queens gives you a bit of attitude. It’s a great attitude and it helps you through life. I have it too. Chris Cuomo is also an Ivy Leaguer, attending Yale where he obtained his undergraduate degree and then Fordham University where he received his Juris Doctor in 1995. The guy is no dummy. Here’s my take on the both situations. Shelter Island. Bad deal. Some guy hurls the ultimate offense at you just because you’re famous and you lose your temper. He never raised his hands. No blood no foul. It was not his fault.. Easter Sunday! You’ve got a guy who’s been locked up in the basement for three weeks sick as a dog. Just a couple of days later with tears in his eyes he announced on his show his wife had come down with the virus. More than likely he knew this that Sunday when he neglected to wear his mask. For all we know his son had it then too. He doesn’t seem like the kind of guy who would put his family at risk. Most human beings wouldn’t. The attitude? It sounds like to me that you have a guy who’s been locked up in jail, coronavirus jail for 3 weeks and needed to get out of the house because he was going stir-crazy. He was feeling better at that time and all the frustrations that he felt including the frustration he felt over probably knowing that his wife was already infected boiled over because this bike rider was a bit of a button pusher. As a Brooklynite my mantra always was, MYOFB. FIGURE IT OUT. it’s about not getting involved in anybody else’s business. I believe he went off on this man in frustration. There was no ill intent. Was he ticked off? Of course. Did he walk over to him and knock him on his butt? Of course not. Has anybody heard of having a bad day. It must have been on Tuesday or Wednesday of the week following the Easter Sunday incident that Tucker Carlson over on Fox who I genuinely like, had David the biker on his show. It was so ridiculous that it was almost comical. He had this guy on for a full 15 minutes. There is no primetime Fox or CNN show that has any guest on for 15 minutes. The only exception would be when Chris interviews Andrew, his brother who is the governor of New York. Tucker Carlson played this one out to the hilt. Shame on him. He was transparent and literally smiling all the way. He enjoyed every minute of it. It’s actually a fun watch on YouTube. He prompted this man every time he wanted a question answered his way. He was shameful that night. I’m a Cuomo show a regular watcher. I enjoy the repartee between Brothers and as I mentioned before, of all the prime time news shows I like, Chris Cuomo’s is the best. He calls it right down the middle, even going so far last night after interviewing his friend, who he calls Tony, Anthony Fauchi to please thank administration including President Trump for continually asking about him and his well-being during his illness. He’s partisan no doubt, but I believe he’s a fair-minded decent guy who really caught a bad break by having a self-proclaimed Corona police officer try and tell him what to do. The lesson that he should take from these two incidents is pretty simple. He’s a super high-profile guy in the biggest city in the world. When stuff happens he needs to lay low. That’s the only lesson that’s there. I’m glad I wasn’t in his place. I might have knocked the guy out!!!!!

And so we are all back at work, almost… but most people will be back at work if the company they worked for is still open by the end of next week. Many Americans who are in financial distress are taking a route I can’t agree with but I certainly understand them taking. Many of them have taken out payday loans and immediately fell behind when businesses were closed. These payday loan lenders charge between 200% and 700% interest. Doing that makes even the smallest of loans difficult to pay back and that’s what these lenders want. They want you to keep rolling them up into new loans and they do that because it makes them money and it’s their business model. If that’s your situation you’re on the right website. Consolidating your payday loans is the answer. I’ll tell you why. Federated Financial is a 23 year old company with an A+ rating with the BBB. Consolidating your payday loans is our job, it’s what we do.What that enables you to do is to get out of debt sooner at an interest rate which usually can be lowered to 0%. Payday loans are a cyclical evil invention. When you need help with these predatory loans please fill out our form or call us. We’re here to help you. When consolidating your payday loans is your last resort please use our company. You will be glad you did. We have a super track record and we care!!

05 May 2020
payday loan consolidators

Payday loan consolidators!

Well, that’s an all-encompassing term. What exactly are payday loan consolidators? It’s just another way that people refer to companies that consolidate payday loans. It doesn’t refer to individual employees although actually it could. It’s very simple. Payday loan consolidators simply take all of your information, give you a new pay date and a new payment amount. In most cases you can pick the date. They notify your creditors that you’re in a payday loan consolidation program and most of the time your creditors will reduce your interest rate down to 0%. Sometimes that can be a savings of up to 700%. That’s right. Some payday loans have interest rates running up to 700%.there have been times where I’ve told the client that they’re paying 640% per year and they don’t believe it. The first thing I tell people is please read before you sign. It’s essential to do that no matter what you’re buying. Rest assured that the language in your contract is not language that is in your favor. Federated Financial is a member of that payday loan consolidators group. In other words we’re just one of the companies that do that this work and we’ve been doing it for 23 years. We are the absolute best at what we do. Remember that number just for a moment. There are many companies on the internet that tell you they can do the job. The difference is we can prove it. Ask these companies how old they are. When you see trustpilot on their site ask them what their BBB rating is. If they tell you that they only use Trustpilot and they don’t like the BBB that means they’re not telling you the whole truth and the BBB really doesn’t like them. What they’re not telling you that the BBB ranks them terribly and they need to use Trustpilot which is a company you pay for good ratings. Yes you heard it here. Trustpilot isn’t real. Whether it’s in our category or any other category on the internet it’s a sham that’s been set up to help companies that have a bad track record. We’re proud to say we have an A+ rating with the BBB. That means something. It’s a tough thing to get and maintain for 22 years. Yes, 22 out of the 23 years we’ve been in business we’ve had an A+ rating with the BBB. There are very few companies that can say that. Our longevity gives us credibility with your lenders and enables us to work with them. 99.9% of the payday lenders know that when we tell them something they can believe us. If you’re looking for a great payday loan consolidation company, look no further. We’re the best in the business and our track record proves it! We Care!

04 May 2020
payday loan consolidation

The real condition of our country and payday loan consolidation in the time of coronavirus!

As most Americans have been doing I’ve been giving some thought to the spin coming out of the White House. Our President keeps saying that things will be better soon. He’s entitled to that thought but many people believe just the opposite, and I believe he does too. His evening press conferences are filled with positivity and thoughts that this will all be over soon. There’s either one of two things going on here. Number one is that he believes it. Contrary to everything his experts tell him he believes that everything will be okay. The second thing that could be happening, and I believe is happening is that President Trump is campaigning every single night. His position is powerful. He’s getting free TV time every night and his opponent who I don’t like much either doesn’t get the same because technically this is a press conference not a political advertisement. Even with all this free TV time his numbers are going down in the polls that he doesn’t believe in and as he would say that’s not a good thing. He’s opening up important businesses. He’s encouraging governors to do the same.

Important businesses? Barber shops, and movie theaters? Why doesn’t he spend his time shutting down the payday lenders. That is definitely going to be another post here real soon. He’s forcing hard-working Americans, desperate for money to take out payday loans that they can’t afford. This eventually leads these people down the route of payday loan consolidation. All of that is stressful and unnecessary. I’d like use this blog today to give you my take on what’s really happening here. The president can tell you forever that things are getting better but proof is in what we see and what we hear. It doesn’t look good and it doesn’t sound good. There are three ways to look at this. What is status quo and has it changed? What has changed for the better? And what has changed for the worse? Status quo, 30% of our workforce is not working. Unemployment applications are at a new high and corporate earnings are down. Status quo is that in the United States over a thousand people are dying of covid-19 everyday. That’s status quo. That’s horrible. Status quo is that we walk everywhere in public wearing a mask. Status quo is that all the major sports leagues are not playing sports. MLB has come up with a plan to play that might or might not be approved by the players union but would certainly be interrupted if 10 guys tested positive. And this would be in empty stadiums. The chance of seeing basketball or hockey finish their seasons is becoming more remote as the days pass by. If anybody believes that football camps will open in July I would tell them to lose that thought right now. That will not happen. We will not be far enough along.

Now, that might sound strange to say given the flattening of the curve in so many places as well as the inevitable downward slope that occurs after it flattens. But I’m right and I’ll tell you why in the portion of this post that talks about things that are getting worse. I guess the new status quo is being able to get a massage or a tattoo in Georgia. Congratulations Mr. Governor. Job well done. Again, I say, why not go after the payday lenders. They’re open too.I’ve been in this business for years and I see what they do to people. The borrowers come to us for payday loan consolidation and I can see firsthand how badly they’ve been hurt by payday lenders. These are just a few of the status quo things that popped into my head. What’s getting better? The death count is going down as well as the infection rate. That’s proof that science works. A month of stay-at-home and social distancing slowed the spread and greatly reduced the morbidity rate. It’s really like a miracle especially in a city like New York. That’s absolutely a positive. Unfortunately I can’t think of very more positives that have happened. Most people still walk around frightened and wearing masks. People that rely on their government to keep them safe but their government really has no intention of keeping them safe. Please read on. What’s getting worse? I’m going to tell you a story. I needed cash yesterday and I needed more cash than my ATM would allow in a single day. I’m doing work around the house and it keeps me busy and I like it. It also costs money. I went to my local Bank of America branch and found that it was closed. This is Friday at noon. This can’t be right. I went to the one about four miles down the road and it was closed too. Now I know there’s something wrong. I pulled off the road and googled my problem. if it was publicized I didn’t hear about it but all the banks are cutting their hours and cutting their open branches daily down here in South Florida. I finally found an open Bank of America and found a line that was around the building. To be fair, common social distancing played a big part in that. People were spaced 6 feet apart and wearing masks. I parked my car and got online with the everyone else. If I didn’t know better, I would have thought there was a run on the banks. Great time to close your branches Bank of America. Good job. A shout out to Wells Fargo and TD also. I read that they’re doing it too. When I finally got into the bank I was greeted by a masked police officer. Very strange. He seemed easy going, so I asked him what exactly was going on. He told me that somebody was robbed outside this branch the day before. His patrol car as well as his presence would definitely stop that from happening again. I believed him. I haven’t seen anything like this in years.

Armed guards in Banks? That’s not progress that’s digression. The elephant in the room or in this blog post so to speak would be the United States of America opening up over the next few days and people going to work. Down here in South Florida, Dade Broward and Palm Beach counties are still shut down and they will be for a while. Southeast Florida still has it bad and somebody must have told the Governor moRON DeSantis that opening up South Florida wouldn’t be the right thing to do at this time. So the rest of Florida along with most of the country is starting to reopen. What does that mean? Well my take is that it means a lot of people are going to get sick,  maybe even for the second time, because we don’t know if having it once grants you complete immunity. You just can’t have all these people going back to work and interacting with others, masks and all, and think they are not going to get sick. We saw what happened the first time. This is an absolute case of our federal government putting commerce before human life. I’m all for commerce. Please understand that I don’t want to see this stock market, tank and our economy destroyed. Yet I think we need to weigh the advantage of reopening against the damage that will potentially be done. I believe another month would make a huge difference. I think that the American people are smart enough to know this. Everyone I’ve spoken to, and myself included does not feel safe enough to walk into a restaurant and have dinner. It’s kind of disconcerting to have your server masked and gloved, and having to sit there with your mask on until the food comes. That’s not my idea of a relaxing dinner. Sorry. I know there are many places I will not go. I’m not going to go get a haircut. If it gets too long I’ll tie it back or I’ll have a friend cut it. My hair is not worth my life. This is not something getting better this is something getting worse. As of these businesses start to reopen I believe Wave 2 will start to appear. We won’t see it immediately. It’ll be like the first time. We’ll see it around a month or so after we reopen. Experts have said that when we first started testing and each state was showing 5 or 10 people infected they were probably tens of thousands of people walking around with the infection and we now know that’s true. I believe we’re in for a Long Winter this summer. I believe it’s going to last until the beginning of 2021 at best, and at worst for another 18 months. Until such time as all Americans AND all citizens of the world can be inoculated we will all be in danger of getting sick.

People are going back to work now. This is the time when we need to restore our financial health, cross our fingers and hope I’m wrong. You’re on this site because you’re having problems with your payday loans and can’t make your payments. Payday loan consolidation is the most viable option to fix your finances. You came to this site and you’re still reading. Payday lenders are predators. It’s in times like these that they thrive. Paying somewhere between 200% and 700% interest annually should be outlawed, but it’s not. Payday loan consolidation can reduce your interest rates in most cases down to 0%. Throughout our 23 years in business we have developed great relationships with your creditors. Our A+ BBB rating insures that our communication with your lenders will be fruitful for you. Because of our longevity in this business your creditors in most cases will reduce your interest rates down to 0%. This will allow you to get out of debt quickly and with less financial pain. Payday loan consolidation will start you on the road to financial recovery. Federated Financial is the consolidation company you want to work with when you consolidate your payday loans. We Care!

03 May 2020
payday loan consolidation

The “Spit” is starting to hit the fan! What happened to the money?

I think I’d like to start here by saying that I hope that Steven Mnuchin is right, and all the people out there are going to get that $1,200 stimulus in the next couple of days. I know that everybody needs it and if you’re on this site I know that you folks need it too.you wouldn’t be looking for payday loan consolidation companies if you weren’t in debt.I still have hope for that program and I believe that it’s going to happen. I hope for the sake of all who need it I’m right.

There’s something else that I’d like to talk about here and it’s a classic government screw up at best and hopefully it doesn’t turn into who put their hand in the cookie jar. My politics don’t matter although I do lean a bit to the right. At this moment the White House has egg not just on its face but all over the building. What happened to small business covid-19 loans? The following information is as of this morning April 13th 2020 at 9 a.m. Based on polls the government has sent out 2.5% of the payroll protection loans that have been applied for. Shame on them. Shame on them for not setting up the system better. But it gets worse. Out of those 2.5% the 20 million dollar Max load just doesn’t exist. The average speed from application to approval is 5.7 days.

The median company size that’s being helped has 14 employees and the median load size is $79,000. Large Banks like JPMorgan Chase, Bank of America, and Wells Fargo to name a few are non players. 88% of these loans have been given out by small regional Banks. The government issued a statement along the lines and I paraphrase that the initial plan was overwhelmed with large requests and there would never have been enough money to satisfy all the companies in need. Well, I got to call BS on that one. They’re bad players in every game. If the government would have taken the time to set parameters and had a concrete way of enforcing them things would have been different. It is in times like these that the good in most people come out but unfortunately there’s evil out there too and some people were trying to take advantage of the system. Now, it still gets worse.

The bipartisan bill that was passed in Congress provided for loads up to 20 million dollars per business based on revenue and employees.How long did they say the money was going to last and where are they going to find more money in Washington to further subsidize these programs? Their solution is despicable. Just to summarize it the maximum loan isn’t 20 million dollars anymore. It’s not 10 million or even one. It’s $25,000. This is a akin to you winning the lottery, saving your family and their home and just sitting waiting for the check to do it. Instead of the $100,000 that you won they said you a hundred bucks and say sorry we ran out of money. I got to call BS on that too. If you look at the accompanying chart you’ll see the amount of employees and the amount of money that’s been lent to these companies.

Keep in mind two things. These charts AR not scientific they are based on polls.as I scan the charts the first thing that hits my eye is the proportion of the amount of money that was asked for by the business as opposed to their gross dollar intake. A lot of it seems disproportionate to me.in other words these companies are asking for too much money but the flip side is is their owners are guaranteeing the money with good credit. If these companies are not getting the money where is the money going? Remember, only two and a half percent of these loan applications have actually been funded. Right next to that chart is the received EIDL GRANTS. This stupidity guaranteed advances on every single PPP loan requested at a minimum of $10,000. That part it itself reaches the outer limits of absurdity.

To guarantee loan applicants $10,000 before their credit was checked and their loans were approved could be construed as negligence by the law makers that conceptualized this program. Based on a small sampling even this incredible screw up didn’t work the way it was promised. The average payment speed of these grants what’s 14 days so far. The median company size is seven employees and the median Grant size is $7,000. This is something I saw coming all along. I’m talking about the EIDL GRANTS. I never saw the PPP system screwing up but it did. So now you have hundreds and thousands of people, perhaps billions sitting and waiting for their Grant. Yet it’s never going to happen and the worst part about this is that there is a clause in this bill that the president signed that guarantees the advances within 3 days. The administrators of this program at the SBA have broken the law. I could play this game all day long and take it on a long road of finger-pointing forever. As more time passes more information will come out. What incredible gross negligence. 

And by the way. One half of 1% of the people that requested a grant have received one. All of this makes me wonder. Where exactly did the disconnect start? Are lawmakers living such an incredibly protected existence since the day their daddies bought them through college that they don’t understand how money and business works? Or, in the alternative, are they just too freaking stupid to understand, or are they just playing politics and don’t really give a spit? Where is all this allocated money going? We are talking about 350 billion dollars out of a 3 trillion-dollar total allotment of government funds put out there there to save and bolster the economy during this incredibly tough time.

Is this just a case of gross malfeasance or is it a case of fingers in the cookie jar. Nobody knows that, YET! There are a couple of things that I know for sure. There haven’t been enough mainstream complaints for the government to have to come out and make a statement about this.YET! It really doesn’t matter at this point if this is stupidity or something a whole lot worse.YET! You can rest assured that no matter what’s caused this problem that neither our president or any member of his cabinet, or any Democrat or Republican on the hill has any urge or inclination to discuss this. This is our government working for us. So let’s get back to basics for a moment here.

02 May 2020
debt consolidation company

All about Payday Loan Consolidation!

*Can you put payday loans into debt consolidation?

Of course you can. There are companies like Federated Financial that only specialize in payday loan consolidation. Old established companies like Federated have great working relationships with your creditors. in most cases your creditors will reduce your interest rate down to 0% consequently getting you out of debt in a much shorter period of time. This is the reason that people consolidate their payday loans.

*Is payday loan consolidation legit?

That’s kind of an offshoot of the first question we received. We receive many questions, every day about what we do. Payday loan consolidation is legit. It’s been going on for years. Payday lenders will almost always work with our company because they know we’re reliable. Federated Financial is 23 years old with an A+ rating from the BBB. Unfortunately they’re always bad actors out there. They’re not legit and that doesn’t help you get out of payday loan debt. When consolidating your payday loan you need a company that’s old and established like Federated Financial. We’re honest, we’re respected in the industry, and we really care about our clients!

*How do I get out of payday loan debt? 

That seems to be the question we’re asked the most. When you’re deep in Payday loan debt, sometimes it’s hard to conceive of getting out of the trap. Interest rates can run you up to 700% annually and you feel like you’re financially buried. Sometimes it’s hard to think rationally when you have financial difficulty. Here’s how you get out of payday loan debt. You’re on the right site, right now! Federated Financial‘s payday loan consolidation program works! Simply fill out the form on our homepage or use our toll-free number to contact our company. we will explain to you exactly how to get out of payday loan debt. If it’s something that you want to do we notify your creditors and in most cases they stop calling. In most cases they’ll reduce your interest rates down to 0% and consequently we are able to get you out of debt in a much shorter . Of time then you could do so you yourself. Payday loan debt can turn into a vicious cycle of rolling one loan into another. We can stop the cycle and help you start a new debt free life!