6574 North State Road 7 #137 Coconut Creek, FL 33073
Mon-Fri: 9am - 9pm
20 May 2020
payday loan consolidation company

Who is Federated Financial? Are we a real PDL consolidation company?

Who is Federated Financial? Federated Financial is a real PDL consolidation company. It has been in business for 23 years. We have been a leader in the credit card and PDL consolidation business for a long time. As one of the grandfather companies of this business we have created protocol and procedure with your creditors to ensure that our program works for you. When it comes to your credit cards we can work with your lenders to have your interest rates reduced, in most cases between 30 and 50% and get you out of debt in a much shorter period of time. When it comes to Real PDL Consolidation we are absolutely the best. I’m using the term Real Payday Loan Consolidation because as I searched the categories I found that there are a lot of bad actors in the game. It’s pretty easy to spot them.

federated financial
federated financial

They’ve not been in business for many years. They don’t use the BBB as a criteria and consequently they use Trustpilot which is an “I’ll pay for ranking” company that is very new and probably very much under investigation. The next time you see a trust pilot ranking on any page for any company in any business, delve a bit deeper and find  their BBB rating. You’ll be surprised how low it more than likely is. So from now on I’m going to call us a real PDL Consolidation Company and a Real CC Consolidation Company. CC standing for credit cards of course. In most cases, our payday loan consolidation program can reduce your interest rates down to 0% and consequently get you out of debt and it’s shorter and less expensive period of time. These are very uncertain times we live in and when we purchase a financial product we really need to make sure it’s the best. 23 years in business and an A+ rating with the Better Business Bureau says we are the best and consequently further shows that we are a Real PDL Consolidation company and a Real Consolidation Company too. If you want to work with the best give us a call. If you’d prefer, fill out our secure, 30 second form and somebody will get back to you ASAP! It always pays to deal with the best when needing the best service! We are the best. We provide the best service and most importantly we treat our clients like family. We care!

19 May 2020
payday loan consolidation company

Why consolidate my payday loans when one loan at the bank can do it all at once?

That’s a question we get asked from time to time. The answer is pretty black and white. Yes it’s true your payday loan it’s costing you a fortune in interest. And yes, a bank loan could probably be had, if your credit was up for it, for a whole lot less interest. Here’s the thing. Why take out one loan to pay off another? You’re not making money on any loan you take and you’d be losing money both ways. In addition it’s another absolute obligation and given the circumstances that we’re all in today, our ability to pay back a loan can sometimes be a coin flip based on employment circumstances. We don’t know what tomorrow will bring. Here’s the reason to consolidate your payday loan. It boils down to simple math. Do you want to pay interest or would you like to pay off that payday loan interest-free without taking another loan? The answer is as plain as day. Consolidating payday loans is what we do. We’ve been doing it for 23 years and  are rated A+ by the Better Business Bureau. Our A+ rating suggests that what we do works. In most cases we can bring your interest rate down anywhere between 200 to 700% points annually. all the way down to 0%!!!! How does that work? Because of our longevity in the business we have good working relationships with most of your creditors. In most cases they’re willing to reduce your interest rate down to 0% on your payday loan consolidation. They want their money back and if they can’t make the interest at least they receive the amount of their initial loan. We have many many years of experience and we’re very good at what we do. So, that brings up the question why take out one loan to pay off another? To me there seems like there’s no reason at all. Payday loan consolidation works and we are here to consolidate  payday loans. It’s what we do. Take a moment. Change your financial future. Give us a call. We’re open Monday through Friday. Or in the alternative fill out our 30 second form at the top of our page and one of our certified counselors will get back to you as soon as possible. There are many companies out there bragging about what they can do. The first question I ask anybody before I do business, is how long have you been in business? You see where I’m going with this. Check out this link. I’m proud to show it to you. It shows you that we have the longevity that I speak of. Look at our incorporation date. We are in our 23rd year of existence. I only know of one other company in this industry that can say that. Deal with the oldest, deal with the most experienced, and deal with the best payday loan consolidation company out there.
18 May 2020
corona virus threat

Up-to-the-minute results of our country reopening!

As of this morning there have been more than 1.4 million coronavirus cases in our country. That’s based on the Johns Hopkins University estimate. Approximately 89000 people have passed away in the United States. Major automakers, Chrysler Fiat Jeep, Ford and General Motors are slowly beginning to reopen for business. The stock market was up almost a thousand points today. The market has reason to be hopeful. The reason for this optimism is that pharmaceutical company Moderna, has reported that their first clinical trial has shown that out of 45 people injected with the new vaccine, all 45 developed antibodies that normally only occur in people who have already had the virus. That is incredibly promising news. They’re 45 for 45 independent of the size of the dosage which varied by person. A big start, and phase 3 will start in July. They are optimistically hoping for a year-end vaccine. That’s probably the biggest news of all. Moderna is an United States based company out of Massachusetts. It would be great finding the cure here in the United States. That would reaffirm our greatness in the field of science and make sure that Americans, especially our healthcare workers in America would be inoculated first. So for every positive there’s a negative. isn’t it amazing how good news brings the morons out? The number of vaccinations administered to children in Michigan has dropped by as much as 22% during this pandemic. This report was released today by the CDC. The CDC happened to use Michigan as a case study but it has no bearing on other states in this nation. Why are people not getting their children vaccinated? The answer is pretty simple. It’s not Financial because I know that most states have programs to inoculate children regardless of their parents ability to pay. It has nothing to do with socioeconomic circumstance or the almighty dollar. This is all about the ridiculous anti vaccination groups keep popping up all over the world. I don’t get it. In this case science completely rules. When I was a kid I had to take a polio vaccine. They don’t give those anymore. No more measles or mumps shots either. Why not? Because these diseases have been eradicated from the planet. Is it magic? Did David Blaine make them disappear? Course not. Vaccinations rule. Why do people believe that their children should not be vaccinated? In this case you could lay odds that all these non vaccinators blame the inoculations that people have received throughout the years as the cause of the continuing covid virus. How ridiculous is that?

In other news Georgia has been open for more than 2 weeks now and as yet, there has not been a spike in Corona cases. There are probably two reasons for that and I hope I’m wrong about this. Reason number one could simply be that there’s always a lag between infection and symptoms. Especially symptoms that are bad enough to require seeing a doctor or going to a hospital or taking a test. Now fingers crossed, I’ll say  the other possible reason could possibly be the new way that we’re learning to live. I’m referring to social distancing and no physical touching as in handshakes. This very well could be keeping covid-19 at bay in the state of Georgia. I’m sure we’re going to find out really soon especially as more and more states begin to reopen.

How about restaurants? Is it safe to go out and eat. There are many new rules in place for going out to eat. Hand washing and employees wearing cloth face coverings are both essentials. The CDC recommends that all restaurants intensify sanitation disinfection and cleaning. Create social distancing by spacing tables and continuing to recommend curbside pickup. Restaurants are required to develop a system to check for signs and symptoms of covid-19 in their employees. So now, will the people come back? That’s an unknown. We do know that restaurant capacity is going to be greatly cut given the rules about separating tables and total people allowed in each establishment. It’s tough for the restaurants to begin with. The situation we are in makes it much tougher. Think about it, we go out to eat to relax. Maybe we go out with our kids on a Sunday. Our adult kids and sit in a sports bar watching the game and eating wings. Well there are no games and there are rules for the customers too. Face masks are required. The only time they can be removed is when you are eating. Your server will be wearing a face mask and gloves. Now I see this in Publix when I go shopping and I have to admit that I am feeling a certain level of discomfort when I’m walking in a grocery store. But, grocery shopping isn’t supposed to be relaxing. It’s a necessity. I can’t imagine not having that same feeling in a restaurant where everybody is masked and if you just sit and try and forget about the world around you you’re reminded every time you open your eyes if you are sitting in a covid-19 world restaurant. I’ve got to tell you. There’s nothing relaxing about that in my opinion. Although I support this country and certainly small business, I’m going to choose to sit those restaurants out for a while. I don’t mind making my own food sitting in front of my own big screen television set that broadcasts in 4k, and not worrying about somebody walking by, or serving me and sneezing while I’m not wearing a mask. It’s really that simple. I think the restaurants have a big tall ladder to climb and it’s going to take a long time before people are comfortable again. I won’t be comfortable until I’m able to get a vaccination. We go to the grocery stores because we have to. Nobody forces us to go to a restaurant. I am not anti restaurant. I am anti covid-19. Now I feel the same way about gyms. This one I don’t get and I am a workout person. Now full confession, I have a full gym in my house and I’ve always used it. I don’t need to use a public gym but I’ll occasionally drop by one of the gyms in my community perhaps a few times a month because of the social aspect involved. I’m glad I don’t have to do that now. How many times have we been in gyms, I mean real gyms and have had the person in front of us not clean off a bench that they sweat on, or a machine? In my mind gyms are already Petri dishes for disease. why would we put ourselves in Jeopardy doing something that we specifically do to be healthy. There are plenty of household items you can use to have a really good workout. The elliptical can be replaced by brisk walking and the same benefits will be reaped without the risk of catching covid-19. I don’t believe that one person in our government ever thought what would happen if everything reopened and nobody came. The jury is out on all this right now. There ought to be a verdict in the next month or so. Once again I really hope that I am wrong.

The lone Star State has reopened. Yes Texas is open for business. The only problem in Texas is that this weekend, and Saturday specifically Texas had the biggest single day jump in covid-19 cases since the pandemic began. 1801 new cases were diagnosed on Saturday. Texas Governor Abbott, laid the blame on the City of Amarillo noting that there were 700 new cases in Amarillo alone on Saturday. Is that really an important point? Amarillo is a hotspot. We all have cars. We go places. I don’t believe it’s safe there. I wouldn’t feel safe doing anything in Texas right now yet against all the original criteria for reopening including a 14-day downslope in new cases Texas has reopened.

These are some of the things that I noticed today in the news. Our world is still crazy. It seems like the craziness will never end. I genuinely hope like all of us do, that there will be a vaccine and it’ll happen sooner than later. I hope the people wise up and stick out their arms to accept the needle gratefully. Everyday is a day to watch. Day to keep our fingers crossed and Hope that we’ve finally crossed the bridge and we’re going to be able to continue to work and keep this country open..  Most importantly keep all that horrible death away.

payday loan consolidation
payday loan consolidation

Let’s take a moment and talk about why you are on this site. Many people have lost everything since this pandemic started. Nobody really thinks about what it would be like to be out of work through no fault of their own for 3 months. If you’re on this site it’s more than likely you took out a payday loan. Payday loan lending should be illegal. A loan shark will lend you money for less. If you are deeply in debt and stuck under the specter of one or more 700% interest payday loans you’ve come to the right site. Federated Financial is a 23 year old payday loan consolidation company that can help you. In most cases we are able to reduce the exorbitant interest rate charged by your lenders down to 0%, which gets you out of debt in a shorter period of time than you could do so yourself. Our program has proven itself over the last 23 years. We have an A+ rating with the Better Business Bureau. Our payday loan consolidation program, put you into a position to retire your debt early and get on the right track again. There are so many predators in tough times like these. History has recorded them all. People who prey on other people’s misery. Payday loan consolidation works and it can work for you. Give us a call during normal business hours. 9 to 6 Monday through Friday. Or in the alternative fill out the 30 second form on the top of page and someone will be back in touch with you ASAP! I’m very proud to say we are great at what we do and we really care about our clients. The country is back at work and collectors are doing what they do best. Being pests! Let’s get the Raid and remove them from our lives. In this case the Raid is a good payday loan consolidation program…. At least it keeps the creditors away!

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!!

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!

26 Apr 2020
consolidate payday loans

Will face masks be forever?

Pretty much looks like it. I’ll tell you why, and forever is a subjective word. The Chinese and the Koreans were using face masks way before we were. Reason for that is pretty simple. We didn’t have them. We couldn’t supply our first responders let alone the entire population. Consequently people died that shouldn’t have. The administration didn’t do a great job with that no matter what they say. Face masks work. Even if they only worked 10% of the time, there would be a lot less people in their graves. Major failure.

Face masks will be around until there is a vaccine for this disease. That is an absolute, especially with people going back to work. Dr. Fauchi has said that a vaccine is one year to 18 months away. Other experts have called him optimistic. Understand, that that 12 to 18 month range is referring to availability for the general public. Meanwhile, “across the pond”, researchers at Oxford University predict they will have a vaccine ready for production by the Fall saying that they had a head start on this based on another virus they were working on. So we all wait with our fingers crossed and our masks on.

Soon you will see our masks becoming a fashion statement. When you leave the house in the morning you wear clothing. Nobody thinks twice about getting dressed before they leave. I know this because I don’t see people walking around naked! Our masks will become part of getting dressed. They already come in different colors. Pretty soon they’ll be designer masks. Sounds weird doesn’t it? Mask by Calvin Klein! You will see designs that we’re not seeing right now. I wouldn’t be surprised if they started selling shirts and masks together. I’m really serious. Of course this is my opinion but I’m usually right. I say that with a wry grin. At any rate this will go on until there is a vaccine or we achieve herd immunity. I hope we see a vaccine first. Herd immunity would mean at 70% of the population would need to have had this disease and we don’t want that. We’ve all seen enough death. No more! I’ve read there are well over a hundred universities and companies all around the world working on a vaccine. Human beings are resilient and smart. I believe that by next spring we’ll be very close to having something out there and we can put our masks away.

There are a lot of things that need to be put away! Your debt is one of them. That’s why you’re reading this blog. Federated Financial is a 23 year-old A+ rated BBB company. People who need help consolidating their payday loans would be wise to research us. They would find accolades about us all over the web. We have helped people who have needed help consolidating their payday loans for years. The process is simple. It just depends on who you’re working with. Our longevity puts us in a position to help you, and help you quickly. 23 years, gives us a distinct amount of credibility with your lenders. In turn, that allows us the ability to ask them to let you to pay these payday loans back with a 0% interest rate. In most cases they agree. If you need help consolidating your payday loans we are the company you would like to work with. That’s a hands-down fact. Fill out our form or give us a call and let this be the first day of the rest of your life on the road to being debt-free. Federated Financial! We Care.

21 Apr 2020
payday loan consolidation company

The two big Northeast power blackouts, the consequences, and suggestions for the blackout we are going through right now!

In the summer of 1977 New York City went dark. Yeah, I’m showing My age again. It was a hot summer day and the power went out. This wasn’t the first time this happened. It happened in 1965. It encompassed the entire Northeast coast. It was in November and it was so widespread that people thought the absolute worst had happened. This had never happened before. The connection is that 9 months after these two blackouts occurred there was a baby boom. People found something to do in the dark and it wasn’t watching The Tonight Show. I’m not suggesting we all go and make babies during the coronavirus outbreak, but I am suggesting that there are ways to enjoy life during an emergency. Yesterday, I blogged about the best streaming shows to watch over the next few weeks. My opinions but, what the hell? Everybody’s got them and this is my forum to give them. The other thing I thought about this morning was music can make the soul sing. It puts a smile on your face. It can make you happy… Listening to an old song can make you forget about today and bring you back to yesterday even if it’s just for three short minutes. All those memories! So, I put together a song list of the HAPPIEST songs from each decade, 60s through 2010s. I don’t remember the 50s because I was too young.. the sixties, I remember a lot! Given that most of us have personal assistants all we have to do is say “hey Google”, play ___________________ , and it does. I’m going top 40 here. Consequently, we’re not going to do anything classic. No Beatles no Stones, and no Who… I’m going to leave stuff like that for another day. We’re going happy and poppy. Songs with lyrics that rhyme and put a smile on your face while you’re singing along! Here we go!

1960s

Happy Together, The Turtles, yep, The Turtles! If you’re old like me you remember. You also remember the words.
Imagine me and you, I do I think about you day and night, it’s only right, think about the girl you love and hold her tight, so happy together! Everytime I hear that song it puts a smile on my face! (1967)
https://youtu.be/9ZEURntrQOg

Walk Like a Man, The Four Seasons, it’s hard to get that song out of your head once you hear it.

Oh, how you tried to cut me down to size by telling dirty lies to my friends, but my own father, said give her up, don’t bother, the world isn’t coming to an end!

Every time I hear that song on an oldies station I sing along. It’s catchy, it brings me back to when I was a kid, and it makes me smile (1963)          https://youtu.be/AF4KQbiBrKU


I’ve got to do one more from the 60s. It might be the happiest 60s song of all.
Good Morning Starshine, Oliver,Technically, this was a song from the Broadway show Hair. It was released in 1969 by an English singer who went by his first name only. The words are infectious.

Good Morning starshine the Earth says hello you twinkle above us, we twinkle below Good Morning starshine you lead us along. My love and me as we sing our early morning singing song…(Oliver 1969)

You’ve gotta have a listen…. It will absolutely make you smile https://youtu.be/whmzEXywq40

Now, off to the 70s.. By the way, I could do 60s all day. There are just so many. I picked the first two that came into my head and then I thought of Starshine.. just had to put it in there!

You are the Sunshine of My Life, Stevie Wonder, The thing that makes this song so great is that it stands the test of time. There are very few people that don’t know this song!

You are the Sunshine of my life. That’s why I’ll always be around. You are the apple of my eye. Forever you’ll stay in my heart. (Stevie Wonder 1972) What a great song! Sing along song that always makes me smile. He is so good! https://youtu.be/gZXjFV8nT4E

John Denver, Thank God I’m A Country Boy,Well life on the farm is kinda laid back Ain’t much an old country boy like me can’t hack, it’s early to rise, early in the sack thank God I’m a country boy!!! (John Denver 1975) https://youtu.be/QRuCPS_-_IA

Vahevala, Loggins & Messina. Just a ton of fun. Awesome to listen to awesome to sing! Just so happens it’s one of my top 10 favorite songs of all time. Have a listen!  https://youtu.be/FfV38NOkSHQ

I’m thinking about what I was a sailor, spent my time on the open seas. When we’d stay off the coast of Jamaica, I secretly steal ashore, the natives were waiting for, the boy with the lazy soul. To sing with the Sailor….. This wasn’t a super main street hit but hot damn it is fun. Combination of Rock and Reggae, steel drums and all!.. (Kenny loggins, Jim Messina 1971)
The 1980s, again please remember all these opinions are mine based on what I like and the amount of years that I’ve been on this planet to get to know all of this music. The 1980s was a fun time. I think the best movie comedies ever made were made during the 80s. Anybody remember the name John Hughes? The 1980s was also the decade of some really spectacular music. I’m not talking about that electronic crap either. When anybody asks me to name the best ballad of all time I tell them I can’t because they’re two of them. Paul McCartney wrote a little song back in the 60s called Here There and Everywhere.  https://youtu.be/iELGhAGwBdc

It’s a Beatles song and it’s absolutely beautiful. If you know music and can read music you probably understand this song is extremely unique in it’s structure. 

We’re talking 80s here, and the second song, neither of the two are in any particular order, is  Eternal Flame. It’s a song by The Bangle’s Susanna Hoffs.  (Written by Susanna Hoffs, Billy Steinberg, and Tom Kelly. (1989)
Close your eyes give me your hand, darling do you feel my heart beating do you understand? Do you feel the same am I only dreaming or is this burning an eternal flame?…. Simple lyric, gorgeous melody, beautiful harmony.. https://youtu.be/F9N5R0_wo_Y

Girls Just Want to Have Fun – I come home in the morning light my mother says when you gonna live your life right? Oh Mama dear, we’re not the fortunate ones and girls, they want to have fun!
That’s just one of those songs that make you want to dance! Great memory from the 80s. That’s what it always makes me smile (Cyndi Lauper 1983) https://youtu.be/PIb6AZdTr-A

Take My Breath Away, Berlin – Great song and widely recognized, given that it won both the Golden Globe and the Academy Award for best original song in 1986. Written by Giorgio Moroder, it was one of the big hits to come out of the movie Top Gun…

Watching every motion in my foolish lovers game on this endless ocean finally lovers know no shame.. https://youtu.be/Bx51eegLTY8

I really loved the music of the 80s. I could do 10 more songs from the 80s and 9 of them would be Kenny Loggins movie theme songs. Footloose, I’m All right, Meet Me Halfway and of course Danger Zone from Top Gun. There are plenty more. Perhaps we can do that in our next musical Post.
Into the 90s.. in 1997  Tom Hanks made a small film called That Thing You Do….the film shared its name with the title song and it’s another song with an infectious melody and a really slick lyric…… You, doing that Thing You Do, breaking my heart into a million pieces like you always do! (Adam Schlesinger 1996) another song that’s a whole lot of fun and a great listen, so listen here. https://youtu.be/fzllVlzzeuo

Killing Me Softly, Fugees… The great Roberta Flack’s calling card reimagined  with a reggae and kind of hip hop beat… Strumming my pain with his fingers singing my life with his words, killing me softly with his song killing Me Softly with his song. If you’ve never heard this version you’re gonna to love it… https://youtu.be/H-RBJNqdnoM

I Don’t Want to Miss a Thing, Aerosmith….. From the movie Armageddon!
I could stay awake just to hear you breathing, watch you smile while you are sleeping while you’re far away and dreaming (Aerosmith 1998)I really love this song! https://youtu.be/JkK8g6FMEXE

The 2000s

Poker Face, Lady Gaga. Her first big hit of many….. I want to hold em like they do in Texas, please. Fold em hit me raise a baby stay with me!   (Lady Gaga, 2008) https://youtu.be/40pTk7HMYFw;

 Lady Marmalade, Christina Aguilera, Pink, Maya and Lil Kim. Who cares about the lyric. I don’t speak French and it’s kind of meaningless to me but for some reason this song makes me feel great anyhow. It’s a remake. Patti LaBelle did it in 1975. (2001) https://youtu.be/RQa7SvVCdZk 

Katy Perry, I Kissed a Girl….. I kissed a girl      and I liked it, the taste of her cherry chapstick. I hope my boyfriend don’t mind it it felt so wrong it felt so right! (Katy Perry 2008). https://youtu.be/WR3dBmGEUi4 ;

2010’s

Adele, Someone Like You…. I heard that you’ve settled down that you found a girl and you’re married now, I heard that your dreams came true. (Adele, Dan Wilson 2011) https://youtu.be/hLQl3WQQoQ0 ;                                              

Old Town Road, Little Nas X…… I love this song. It’s a feel-good song. Play it once and it sticks in your head all day!     Yeah oh, I’m going to take my horse to the Old Town road I’m going to ride till I can’t ride no more! (Little Nas X, 2019)  https://youtu.be/amhC8WYgNA4

Shallow, Lady Gaga and Bradley Cooper… Just couldn’t leave it out. Really popular song and really well done. From the remake of the movie A Star is Born.. tell me something girl, are you happy in this modern world? What do you need more? Is there something else you’re searching for? (Lady Gaga, 2018) https://youtu.be/O8z7q4uPL60

So there you have it. Six decades of feel good music. Watch the videos. Enjoy and to quote a line from a favorite movie of mine that was called What About Bob?, Take a vacation from your problems! In these troubled times we all have them. I assume that’s why you’re on this site. We can help you. Feel good about that. We can help you! The country is starting to reopen and people are going back to work. The good people and the pain in the ass payday loan lenders. They’re ready to get their money back. Hopefully you’ve paid them but whether you have or you haven’t we have a solution for you. If you’ve paid them my solution is remember what you’re reading here just in case. If you need to pay them you need a grate payday loan debt consolidator.

Why? Some people will always ask that one word why? Simple answer. Accompany that is a good payday loan consolidator can work with your creditor to reduce the interest on your loan, or loads from close to 700% in some cases all the way down to 0% in most cases. A good payday loan consolidator has worked with your creditors for a long time. In our case 23 years and counting. A good payday load consolidator has credibility and respect. We’ve earned that, and it shows in our A+ BBB rating. We here at Federated Financial take pride in what we do, and take pride in being the best payday loan consolidation company out there. We are the people you want to consolidate your payday loans. Not only are we the best, but we care.

12 Apr 2020
how do payday loans work

How many payday loans do you currently have?.. Have you tried Consolidation?

How many payday loans do you have? That might seem like a strange question but I have a good reason for asking. Payday loans were actually once a good thing. The initial modern day payday loan model was set up by lenders to help out the people who live week by week, when they ran short of cash. I don’t know where or when the model changed. The old model didn’t charge loan shark interest rates. They charged people a moderate about of money to get by until the weekend. People were willing to pay money for that privilege and that’s pretty much real life commerce. You pay for a service. Somewhere along the line the need for greed kicked in and payday lenders became the legal version of the mob. I’ve written articles about this before and if you go a few months back in the blog you can read them.

Did you know? 8 out of 10 payday loans roll over. That’s right. Only 20% of the payday loans that are taken out are paid back on time within the preset guidelines. This is exactly what the payday loan companies want and exactly how their business models have been set up. Repeat customers are their easiest customers to find. Given that 8 out of 10 payday loans are rolled over my question at the top of this post seems very real. It would stand to reason that when a person maxes out their ability to borrow from one lender because they’re busy paying off a loan that has already rolled over, they search for another company and fresh money. It’s an extremely vicious cycle. Eventually, the consumer doesn’t have the ability to pay all these loans back, and they have no alternative but to stop paying, at least on some of them.

That’s when the creditors go to work. There are very few people that walk the earth that have not been deeply in debt at one point in their life, myself included. I remember when I was first married with a baby on the way how short we were of money. I’ve received those phone calls. I remember them. The creditors were no kinder back then. They wanted their money. Collectors are a different breed. Some of them are like rabid animals. Notwithstanding all that, the bottom line is they want their money back and they’re entitled to it. How do consumers pay back loans when their interest rates are running as high as 700% annually? In many cases the answer is they are just not able to pay. At least not all the loans at once. That’s where we come in. We can help you if you let us. Here’s how it works. You fill out the short form on our homepage or just give us a call. We are open, 9 to 9 Monday through Thursday, and 9 to 6 on Fridays. Somebody will pick up the phone during those hours. You will speak to a certified counselor who has been well-schooled in how to handle your payday debt. You will be given the parameters and if you agree with them you will give us permission to help you out. The first thing we do is tell you exactly how, and how much we can reduce your monthly payments. Much of that reduction comes in the form of having your interest rates lowered to 0%, in most cases. That’s the place that the large monthly savings begins. We have pre-arranged agreements with your lenders that allows you to make your payment through us and save money. We have been in business for 23 years and that longevity along with our A+ BBB rating gives us the credibility to work with your lenders and help you. They know if we tell them that they’re going to get paid in most cases they will. You make your first payment. All the paperwork goes out to your creditors.

At this point the phone calls stop. As you go along and make your payments you’ll notice that the balances are dramatically dropping. This is what you want to see. The bottom line is that we can get you out of debt in a shorter amount of time that you could do so yourself and at a greatly reduced interest rate which helps to lower your monthly payments. Our country is getting closer to reopening. Payday loan consolidation companies are more essential now that they’ve been before. There are more people in debt now than there have ever been. Good payday loan consolidation companies do their job well and really can help you. What do you look for when trying to find good payday loan consolidation companies? You’re looking for longevity. Longevity equates to a good strong solid track record.That’s the type of payday loan consolidation company that you need when trying to dig out of this debt. You’ve come to this site for a reason. As we all start our new normal over the next few months it’s time for all of us to reassess our finances and use payday loan consolidation to get out of debt.

06 Mar 2020
payday loan consolidation company

Payday Loan Consolidation Perspective with Car Buying

Buying a car is the second biggest purchase we make In our lives. Obviously our homes are the biggest. As a side note before I get to the meat and potatoes I want to share something that I notice all the time about automobiles that makes absolutely zero sense. In my neighborhood I’d say one in ten people, and I am one of them use their garage for their automobile. It’s beyond my ability to comprehend how some people take the second most valuable thing they own and leave it outside when inside their garages they’re storing a bunch of boxes and junk that either belong in the attic or outside for the trash-man to pick up. Just a random thought. To each his own I suppose. So we wake up one morning and decide that the car has been giving us trouble and it’s well out of It’s warranty and costing us money regularly.

The first thought that most people have is let’s go down and look at new cars today. Now there are some situations when that’s a good idea and I’ll get into that in a bit, but first I want to tell you why it’s a bad idea. First part of the equation is to go to a reputable dealership. Best bet Is a local Ford, Chevy, or Chrysler Jeep, store. If you’re looking a bit upscale you know where to go. When I want a new car I really want an almost new car. I’ll give you an example of what I mean. I drive a 2019 mid-sized SUV. It’ll be a year old on May 1st. Today is March 4th so it’s coming up on it’s birthday. Here’s what I did. I kept my mind open. I knew I had choices and those choices were the same class car in either the Chevy, Ford, or Jeep Chrysler brand. You fall in love with Corvettes or Mustangs but when you’re buying an SUV there’s no real halo around any of them. I was looking for a reliable mid-sized SUV. We all know that when we walk onto a car lot the salesman salivate. I want them to have a headache.

I decided from the get-go that I was going to buy something that’s was barely used. In each dealership that I visited I told them I wanted something with less than 5000 miles and I wanted the best price they could give me…. and of course I wanted the latest model. They asked me what I was going to trade in and although I was trading in a four-year-old SUV I told them nothing. I told them I’m not trading. I’m buying. Ford and Chevy had nothing so I drove over to the Jeep store. We looked around and the I finally suggested that we look at the loaners that were coming out of service. Why didn’t the sales person suggests that? Simple answer is that he makes more money on a plain used automobile. I wanted a loner because I wanted something with really low miles. I wanted something that had the balance of its warranty left. The whole reason for getting something new was I was tired of paying for repairs. We went back and forth and he kept asking me about my car and I told him I was keeping it. My point here is never negotiate two cars at the same time. Otherwise they will borrow from Peter to pay Paul and you will get stuck on one end. I asked the salesperson what the rebates were from the manufacturer and he said what rebates?

I told him if he didn’t know about the rebates he needed to ask his boss. The manager replaced him in about five minutes and we were off to the racetrack. He knew what I meant. When an automobile dealership puts out a car that they use as a loaner for a few thousand miles they always receive a manufacturer’s rebate to cover the cost of the discount that they have to give you because the car is technically not new anymore. The car that I chose had every piece of equipment that I wanted but one. Most importantly it had a real six cylinder engine as opposed to a little four that was not turbocharged. I do a lot of parkway driving and the difference in power and torque was huge. The only thing it was missing was a leather interior and I knew that I could have one put in for around $1,000 using Katzkin. Finest custom leather product for just about every car made, and I didn’t have to buy a $5000.00 package to get it!  Here’s the bottom line. The car I liked had an MSRP of $36,000. It had 4800 miles on it all driven by people who borrowed it when their car was being fixed under warranty. Well maintained by the dealer without a scratch ding or dent on the body. We negotiated back and forth and they came down to $23,000. I had a number in mind based on advertisements I had seen on the internet. I wasn’t going to pay a dime over $20,000 for the car. Their final number was $22,000 and at that point I thanked the sales manager for his time and I told him I’d think about it.

I got up to leave and walked out the door.

The salesman followed me out and asked me point-blank, what would it take to make a deal today? I said to him give me your best price. He told me the manager said $19,995 plus tax and tag out the door. That was my number. The MSRP on that car was $36,000 so I was saving $16,000. That came out to 44% off the sticker price. Half the job was done. Now for my non- trade in. We sat down and I asked him how much they would you give me for my car? It was paid off. He seemed kind of taken aback which only meant that I did my job. I fooled them. This was not a long negotiation. I knew the auction prices and I knew exactly what my car was worth at a wholesale auction. I took twenty one thousand for my car and was happy. They will make a couple of thousand dollars on it and it’s okay. I made a great deal for myself but it was because I kept my mind open and I was willing to play the game and walk. I also did my homework! Never fall in love with metal it doesn’t love you back. It cost me $400 more for the tag transfer and I will get money back. No tax as my trade was worth more than the new car. If you’re going to finance and you have decent to good credit get a quote from a couple of lenders before you go shopping. That way you’ll be assured of getting the best rate you can from the dealership. They can’t mess with an educated consumer. If they give you a rate that you’re happy with ask them how many points they’re making on the back end? That will wake them up. Normally when you finance an automobile the dealer will try to markup the interest rates as high as they can by law so they make a nice profit on that too. I always allow them a half a point because everybody needs to eat. Remember that. It is important.

That’s the way to buy a new used car. I bought that car with 32 months and 32000 miles left on the warranty. To me that’s a score. At the beginning of this post I suggested that there are times when buying new, and I mean brand new can be a better deal. All the stars have to align for that to happen. In other words sometimes you can get a super steal deal when buying the last year of an out going model. There are usually GIANT rebates from the manufacturer and the dealer kicks in 99% of their profit. It’s a $100.00 salesman deal and they are happy to get it. Sales bonuses are paid on units moved not gross profit. Study a bit. You’ll know when the time is right. Now if you’re reading this article you might be thinking, why is this something that I’d want to read about on a payday loan blog? The answer is really simple.

All of your finances go together.

To get to a point in life where you can Finance an automobile at that price point and pay the most minimal amount of interest possible on your car loan starts at square one. Get out of debt!!! If you’re on this site you just had a good read and you’re also looking for some payday loan relief. Advance loans destroy financial lives but what they don’t do in most cases is report to the bureau’s. That’s right. Payday lenders usually don’t report outstanding debt to the reporting agencies. If payday loans are your only problem or one of only a few financial problems you have you probably need to take care of them first. They are the easiest debt for a long-established reputable payday loan consolidation company to remediate.

Payday loan collectors bark and growl an awful lot but the bottom line is, if you’re dealing with an established and respected 23 year old company like ours, that prides itself on our A+ rating with the BBB and the hundreds of thousands of people we’ve helped throughout the years you can get out of debt quickly. In most cases we can have your interest rates reduced down to 0% as opposed to the 600 or 700% annually that you might be paying now. We can get you out of debt in a much shorter amount of time then you could if you did it yourself. Paying no interest has the benefit of lowering your monthly payment considerably. Consequently, your payoff time and the hit to your paycheck will be a lot less than it would be if you tried doing it on your own.

In almost no time at all you’ll be able to say to yourself, “one down and a couple more to go and then I will be completely debt-free”. At that point in time, more than likely with some sort of down payment you’ll be able to go out and buy pretty much any kind of car that you want. That’s the way to live and that’s what you want to do when you’re dealing with advance loans. You want to use Federated Financial. We are Simply the Best.

19 Feb 2020
Payday Loan Consolidation

The A B C’s of Budgeting

The A B C’s of Budgeting – (Always Be Counting) & (Amazing Bogo’s r Cool)

As we start this next foray into how to save money I thought we should start at the supermarket. The goal here is to ameliorate your debt. Here in Florida we have Publix supermarkets but I assume this is pretty much standard operating procedure all over the country. I’m talking about buy one get one free. I came out of the supermarket yesterday and looked at the receipt and it told me I saved $43 and change. It was just one of those days. Everything I came to buy was two for one. I don’t know why. That part is certainly a once-a-year occurrence. Kind of like playing a slot machine and winning. I do know that when they have two for ones and your family enjoys what day are literally giving away, try and buy four for two. Seriously, take advantage of a really good deal. I do. Now yesterday was the exception. Everyday is not your personal Bogo day but with a little bit of creative shopping you could make it so. What I mean is this. Can anybody taste the difference between Pepperidge farm and Arnold’s bread? Especially when it wraps up a peanut butter and jelly, or a great turkey and cheese sandwich? I believe the answer is no. Does it really matter if Zephyrhills, or Eternal Springs water is the BO-GO of the week? Not if you’re on a budget and you’re always counting what you spend in the grocery store. The difference between premium products is usually very slight. I’m a diet Pepsi guy and I swear I can tell the difference between diet Pepsi and diet Coke. Who cares? I’d rather have two for the price of one. Bought some Chobani yogurt yesterday. They come in four packs. I bought four, four packs for the price off two. I think you see where I’m going with this. is Janis Joplin sang years ago in a really great old song “Get it While you Can”!

Also remember to “always be counting”. If you have a budget for groceries stick to it. You can do the math in your head as you walk the aisles. Rounding off numbers even within $10 is just fine. Always save your money. Saving money is imperative. If you’re on this site I’m sure you’re well aware of that. The key to getting out of debt and staying out of debt is knowing what you’re spending and where you’re spending it. Unfortunately, many people turn to Payday loans. They’re a deadly trap. If you find yourself in that position, payday loan debt consolidation is the answer. We are one of the oldest and most respected payday loan consolidation companies in the industry. We’ve been consolidating these loans for the last 23 years and we are highly rated at A+ by the BBB. Read our site. Watch our videos. You will be helped just by doing that. Our site is extremely informative and all of the information is up to the minute new. If you feel that you’re curious about payday loan debt consolidation and still not sure of exactly what it is after reading our site please call us or simply fill out the form on one of our pages to speak with an accredited debt counselor. No pressure. We can help you 99% of the time. We want it to work for you. We care.