6574 North State Road 7 #137 Coconut Creek, FL 33073
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30 Mar 2020
federated financial

Federated Financial an illustrated history of us!

Federated Financial Services incorporated in the state of Florida January of 1998. We’ve come a long way. The world has changed, and almost 23 years of life has gone by. We started small. We were a little debt consolidation agency employing seven people. I never planned for us to grow. Well, not grow that much. I always believed we needed to stay small and controllable. It didn’t work out that way. The problem was unfortunately this country was rife with debt. We had never thought about that. Initially when we started, we advertised in local papers all around the United States. The response was immense. We had no choice. We had to add staff. People we’re calling from all over the country. Then the licensing and bonding process immediately began. It almost put us out of business. These two things were very expensive but we made it through and continued to grow. Six months later we found the Internet. Or actually it found us. I had a website designer come in and tell me that we should be advertising our service because his mother used us and we were great. We bought our first domain. I wanted Federated Financial.com. It was taken. We ended up with ffs – inc.net. Short and sweet and right to the point. Little did I know that my web designer was studying SEO. When the point in time came that he felt his understanding of the process was deep and unique, we decided to create a site and make it SEO friendly. The response was crazy. Our SEO certainly did a good job. We had number one ratings in all the major categories on the one search engine that was relevant at the time. That was AOL which was powered by Excite. We needed more staff. By the year 2000 we employed over 50 people

https://web.archive.org/web/19991104034304/http://ffs-inc.com:80/

We started to grow in and bounds and the industry followed. In 2002 all the creditors we dealt with required us to become certified as an ISO company. I always thought manufacturers were the only companies that had to do this but I realized it was a quality control system, and given that we dealt with large sums of information and money we jumped at the opportunity to become a member of such a prestigious club. And we grew again! In August of 2001 I finally got the domain I was looking for. We were now federatedfinancial.com. Given that people were flocking to us in droves we decided it was time to start from scratch and create a real comprehensive website which said it all. And we did. That site gave us the ability to reach more people and to tell people what we were all about. We were only two and a half years old and we had 30,000 clients. We were also A+ members of the BBB , receiving that distinction in 1999. In addition we were well-established members of the community and of the industry. With an in-house IT staff of six, we felt we were technically the most innovative company of them all.

https://web.archive.org/web/20030419062219/http://federatedfinancial.com/

We needed to change with the times. Business was great and we were doing a hell of a job. We finally knew we had made it. My IT department re wrote our existing software and we prepared for the crunch. We had 50000 clients. As our site became more relevant our position improved on all of the search engines and we literally had hundreds of number 1 positioning online. Only one of the company was doing this at the time. They were good too. That was good for both companies because kept both it staffs on their feet thinking all day long. Everybody wants to be the best. We always considered our clients friends and family. We treated them as though they were our sisters and brothers. That showed in our results. Over 80% of our people completed our program and got out of debt. We still continued to grow and every year the criteria became more stringent for ISO certification. We always passed the inspection. Our quality control department made sure of that. We became very compartmentalized. It felt so corporate. We had 80 employees.

https://web.archive.org/web/20061124142449/http://federatedfinancial.org/

All of a sudden it was 2005 and we were one of the top three companies in the United States. We had over 60,000 clients and a staff of 105. We had an HR department, we had a review department. We had a customer service department. We had every single department you needed to run a big strong credit counseling company and we did. We did it well and we did a great job. We occupied 18000 square feet with a hundred plus employees and the clients just kept coming. We learned firsthand what really was going on here in America. Things weren’t “Rosie”. That’s an understatement. Then came 2008 and 2009. The world came to an end. Our country had a financial meltdown. I thought we’re going to have to throw in the towel. Who would think about paying bills when the markets crashed and the banks were really hurting. The federal government had to bailout General Motors and Chrysler. But, not only did we survive but we thrived. To this day I absolutely believe it was due to the unparalleled customer service that we provided our clients. We always bent over backwards to do the right thing, but in time, everything passes and the country was once again up and running. I liked our website a lot and it served the purpose. It became recognizable. It was almost a symbol of our company and people just knew it! There was no reason to change it cuz it worked. We were a successful company. Nobody complained because we did a great job. Our debt consolidation and payday loan consolidation programs were working and people were relaxed and happy knowing that their bills were getting paid and the creditors were not calling them anymore. We had succeeded in the mission that we started off to accomplish years before. 10 years old and doing our job. I was very proud.

We kept this website in different incarnations for a long time. Probably seven or eight years. Then we switched to the above. This website has been up since 2015 in various incarnations and you’re looking above at the iteration we use today. This website is a vast encyclopedia of knowledge plus information, and we provide that for everybody because there should be no reason people can’t have access to good strong information like this on the Internet.

We are still in business after all these years and we’ve scaled it down a bit. This industry isn’t what it used to be and we don’t have the same volume of clients that we used to, but we’re still quite large and we’re not going anywhere. We have a track record and we have the same ownership now that we had almost 23 years ago.There are more Americans to help and we plan on helping them. The name Federated Financial stands on its own. Everybody knows who we are and I’m proud of that. I created something from scratch and I’m still doing it today. If you need our help and are having payday loan consolidation or debt consolidation problems just please, give us a call. We can help. In most situations we can reduce your payday loan interest from up to 700% annually all the way down to zero. It’s easy if you know what you are doing. After all this time we definitely do. You’ve come to the right page and if you need our help you’ve chosen the right company. Payday loan debt consolidation is our specialty and we can save you lots of money getting you out of debt.

29 Mar 2020
wrestlemania36covid-19

Sunday night, April 5th 2020, WrestleMania 36 at Raymond James Stadium!.. NOT

This is going to be a fun post but I do want to make a large point about corporate greed! Originally WrestleMania 36 was scheduled to be held at Raymond James Stadium in Tampa. It’s a huge facility and it’s home to the Tampa Bay Bucs. Well, those of you who are wrestling fans know what comes next, and even if you think you do keep reading… you probably don’t. Those of you who don’t watch wrestling, read on too. I think you’ll find this very interesting. I’m going to tell everyone, a whole bunch of stuff that they probably didn’t know. As we all know, the corona virus has rendered all major venues uninhabitable by more than 10 people. Well that’s certainly not enough people to watch a WrestleMania show. They expected 80,000 plus. …….. Government mandate completely pulled the plug on that. But not so fast. The WWE as a publicly traded company and the largest wrestling entertainment company on the planet has their own building right down here in Orlando Florida.


WWE moves WrestleMania 36 to Performance Center amid coronavirus

It’s called the WWE performance center and 1it’s a 20,000 square foot facility used entirely for training purposes. The WWE gave up running big shows in big arenas a couple of weeks ago and instead of closing up shop as many other TV programs have done, The WWE pushes on. They decided that instead of running events in front of 20,000 people in an arena three times a week, they would take it to their performance Center and televise live from there. Of course the problem there is size. Pull out all eight training rings and the facility seats about 200 people. That’s certainly no comparison to the 15 or 20 thousand fans that SmackDown and Raw draw each week… or the five or six thousand fans that NXT brings in… Raw is their flagship show, running 3 hours on Monday nights and Smack Down is televised by Fox on Friday nights.

I relay all this information to let you know just how big this business really is. Right now all three shows are being broadcast from the WWE Performance Center and they certainly would draw 200 fans for each show if they could. The caveat here is that gatherings of 10 or more people are prohibited. That forces the WWE to  broadcast all of its shows every week with no audience. I watched it once. It was really strange. I never saw anything like it in my life. Totally surreal. For the uninformed, wrestling is scripted. Yes, I know I just broke some hearts out there but it’s scripted for sure and that’s really not a secret. These shows from the performance center are being televised live. During a show in a large arena the noise is deafening. Not so much at the performance center. They’re operating with a skeleton crew to protect people and even though wrestling is scripted and the end is predetermined the performers still have the ability to make up the match as they go along. They do this by calling out moves to each other. It’s okay to do that when there are 20000 fans screaming all the way up to the rafters, but on live TV with no noise at all?

https://www.ewrestlingnews.com/news/breaking-update-major-changes-being-made-to-wrestlemania-36

I can tell you this. You can’t hear them speaking but you can sure see them whispering, and most people who don’t understand what they’re doing are just wondering why these people are talking to each other during a match. It’s wrong and it could never look right. It looks forced. Any mistake is magnified and given the physicality of the business there are mistakes made. This is live TV. Surprisingly ratings are pretty stable for the shows and the money is still rolling in. The live shows stink. Half of the show is dedicated to matches that are older, being played back on video, and the two or three live matches in each program are just plain awful. These are performers, and performers work best in front of a live audience. Given that there are no live sports on television now and the ratings are high, Vincent Kennedy McMahon, president of the WWE continues to run his live shows every Monday Wednesday and Friday evening. That’s free Enterprise but at what price?

McMahon is still putting on his WrestleMania show. The grandest event of the year in front of no live audience. The thought of that six months ago would have been impossible to conceive. The audience drives the show. They boo the bad guys and cheer the good guys. The heals get heat and the heroes get love. Now nobody’s getting nothing!!! Given that this is probably an $80 pay-per-view event and there is a WWE Network that’s been waiting for this show for months, the show must go on. But at what cost? Performers have been getting sick at these tapings. Andrade, Daniel Bryan, and Dana Brooke have all dropped out of the show.

They are sick. So have Bobby Lashley and Rey Mysterio. They all have coronavirus. There are others too. There are some performers who have asked the WWE that they remain anonymous. Whoever is paying and watching on April 5th will find out who these anonymous people are. The matches have already been set, and people who are missing will be conspicuously absent. In addition the star of the main event Roman Reigns has dropped out too. As a two-time leukemia survivor this young man has opted out on advice of his doctors. His immune system is compromised and if he catches this thing they fear the worst. This begets the question, in this case why must the show go on? Money!

That was the easiest answer I’ve ever given. Pay-per-view revenue is huge. Yeah, the WWE loses out on the gate and merchandise sales but at least they don’t lose money on the production. Risking young people’s lives, along with production team members just for the almighty buck. In addition, the  fans get a substandard show because the biggest stars won’t be there. For those of you not familiar with this semi sport you must understand that this is the biggest event of the year and every performer dreams about performing in this thing. Those who perform receive enormous paychecks for this particular event. Yet, still more performers are opting out of traveling to the event in Orlando and these are people that will be revealed as the show goes on simply because they will not be there. Sounds like a big mess to me. And who suffers? The performers who get sick and of course the fans.

They’re not getting the best of the best but they’re paying the most of the most. I can tell you one thing for sure. Vincent Kennedy McMahon will not need Advanced loan payday loan consolidation many of you will during these tough times. I wrote this article to be entertaining and perhaps it will take people’s minds off the reality that our planet finds itself in right now. Bills are piling up. Some of us are in way over our heads. Payday lenders ringing the phone off the hook wanting to get paid. In addition they want to get paid plus interest which in some cases adds up to 700% APR. If you are in that situation please call us. Our number is on the top of our homepage, or simply fill out our 30-second short form. We are the premier payday loan consolidation company in the United States. 23 years in business with an A+ rating with the BBB tells the story. How do you consolidate your advance loans? Do you want to pay back 700% interest? Advanced payday loan consolidation works. Payday loan debt consolidation is absolutely the answer to the ridiculous interest rates that these creditors charge. We can take those advanced loans and have the creditors put you in an advance loan, payday loan consolidation program where your interest rate in most cases would end up being 0%. Do the math. It works!

 

22 Mar 2020
payday loan consolidation

Worried about your Payday Loans if the United States in a recession?

Where is the United States today? We’re in bad shape. Major corporations are bleeding money. Many Americans have lost a third of their net worth over the last two and a half weeks. The government is spending trillions on aid to corporate America, as well as the general public.. As you might or might not be aware, there there’s a pending bill that’s still being negotiated in the house.This bill will provide regular hard-working Americans with money over and above the unemployment they might need to collect right now. This will help people get through this tough time. Right now the administration is proposing to send around $1,000 for every adult and $500 for every child to American households in need.

As I understand it they’re just working out the details now and deciding what the income ceiling should be in regards to whether or not people should be receiving checks.As the president said “we’re not going to send $1,000 to a person that’s making a million dollars a year” and that certainly makes sense. At the end of the day the government can only do so much and a situation has to play out just the way it’s supposed to. There’s no fault here. No fault lies with these businesses or with the administration. If there’s any fault it lies with the Chinese government and their lack of candidness when it came to letting the whole world know what was going on there. if we would have known about it sooner we could have fought it sooner. Instead, the coronavirus rages through this country, killing Americans and wounding our economy.

Arguably, the Chinese government is completely responsible for many of the deaths around the world that could have been avoided if they had been more forthright. Their negligence has cost lives, and cost life savings. The savings will come back the lives never will. So why is this a recession as opposed to simply a coronavirus pull back? President Trump has said numerous times that as soon as this virus passes the market will return and surpass its previous highs. He’s either not telling the truth or he’s not getting the right information and I’ll tell you why. We’re watching what I call the trickle-down effect. Let me give you an example. I’m going to use an expression that we’ve all heard that before. “Part of the food chain” it’s about delicate balance. Small animals graze on grass. They get fat. Larger animals come out of the woods and eat the smaller animals that have gotten fat. These larger animals now go back into the woods and they get eaten by a big black bear. The bear gets hunted and he’s eaten by a human being.

Sounds terrible but it’s mother nature. It balances ecology and keeps all living things in a place where there’s enough to feed all on the planet. Now let’s take this thought and move it over to exactly what’s going on today. First off what’s going on is probably affecting you right now. If not, you’re lucky. Let’s not personalize it though..let’s use the actual businesses involved as the examples. Go back a year ago or so and you’ll remember that Boeing had a problem with their 737 airplanes. Two of them went down just months apart. Boeing took a hit with that and they’re still working on the problem. All those planes remain grounded so Boing is still taking that hit. In addition, these planes are not being bought. Boing is a good example because they went into this situation already having a problem.

Now we have Boeing with financial difficulties and an extremely contagious virus spreading throughout the world. The first thing people do is stop traveling. It affects the airlines. No fees no fares. That’s the problem of the carrier whether it be JetBlue, Southwest or any of the majors. That goes back and hurts Boing again because the carriers aren’t going to buy airplanes if they’re not making  money on the ones they have. You might remember a headline from a week or so back that spoke of airlines flying ghost flights around the country. All that meant was is they were flying airplanes that might have had one or two passengers aboard. So now we have a major manufacturer hurting for money in two ways. In addition we have the carriers that aren’t making any money because nobody wants to fly right now. Well if nobody can fly what happens to the places that they would have stayed at? I’m talking about the hotels. All of a sudden publicly traded companies like MGM Entertainment, specifically their hotel division, Wynn, and others aren’t booking guests. The hotels are finding themselves pretty much empty.

What happens after that?

That’s pretty obvious, the hotel cuts back staff! We’re talking about a lot of staff. There’s no reason to have staff, like housekeeping or the servers that work at all those beautiful restaurants that are closed now .They have to close because there are no guests to feed. So the servers and the housekeepers are out of work. They create two more problems. Most importantly they lost their income which puts them in the position to request assistance just to feed their families. It also takes away their disposable income. I’m talking about the income that would allow them to go to the movies if the movies were open. Income that would allow them to take the children to the toy stores. Income that might take the family out to dinner before the restaurants closed this week. And these actions in turn would have put all the workers in the above-mentioned places out of work which continues the cycle. So this is the situation that we are in right now.

I think you can understand why I call it the trickle-down effect. The trickle-down effect also creates one other problem that a normal recession wouldn’t create. That problem is that these major corporations are going so deeply into debt that many are not going to recover. When this virus has passed Boeing is still going to have giant financial problems. I don’t believe they’ll ever go out of business but I do believe it’s going to take them years to make their money back and get back on their feet. This applies to the whole airline industry and the hospitality industry as well. if these businesses are still hurting a year from now the last thing that’s going up is their market price. Investors who normally make money back on the bounce don’t see the bounce because there can’t be a bounce if the companies that need the bounce are still hurting. And that’s the problem with America right now. The administration has problems. They have a lot of work to do and I think they’re on the right track. it’s going to take some time though and this is not a normal recession. That I can tell you for sure. Nobody alive has ever seen anything like this before.

Remember this word. Hydroxychloroquine. This is a drug that is 50 years old that was initially created for malaria patients. This drug has shown very encouraging results in other countries and if it’s effective against the coronavirus we might be able to mitigate the health crisis  we’re having right now. This in turn would help businesses rebound more quickly than they would on their own. FDA commissioner Dr. Steven Hahn, has the FDA  testing this drug against the virus. In a news conference today he wouldn’t put a time frame on it but promised that they’re working twenty-four hours a day to see if this drug works against corona virus and if it does they’ll be able to fast-track it. There are a couple of other drugs that they are considering that might not be as promising as this on, but the one thing that all these drugs have in common is they’ve been in use for years and they have proven themselves not to be dangerous. A vaccine is still going to take the minimum of a year to create and then at least 6 months to manufacture. Going through another flu season at the end of this year like this one, could spell disaster for many. Let’s hope that it doesn’t happen.

So what it really boils down to is that we are on the bottom of the food chain so to speak. As always, the general public takes the short end of the stick. And so I address our readers. Many of you out there are in the advance loan payday loan trap. You got into it way before this problem started. Can you consolidate payday loans? Can you get help with payday loans? Which Payday Loan consolidation companies do you want to work with to get help with your payday loan debt. You need a great payday loan assistance company to help you with your advance loan consolidation. To help you with your advance loan consolidation you need payday loan consolidation companies that work with that type debt. It’s good for you that you’re on this site. We’re a 23 year old payday loan debt, advance loan consolidation company. We are A+ rated with the Better Business Bureau. We are the best at what we do and we’re not ashamed to tell you that. Over the last 23 years we have built strong financial relationships with your creditors. They trust us and they know that if we tell them that they are going to get paid in most cases they do. In 99% of the cases we can reduce your interest rate down to 0% . That is lower than the rate of six or seven hundred percent that you might be paying now. We can start as quickly as you want us to. Fill out the form or give us a call during working hours and we’ll be glad to help you. We’re great at what we do, and we care!

10 Mar 2020
payday loan consolidation company

When Science Fiction becomes Science Fact, The whole world Suffers!

Well folks, the unthinkable has happened and it’s here. For the first time since 1918  there is a worldwide pandemic going on. The world has been rattled by the coronavirus. Unfortunately there’s no cure yet and more than likely it will just run its course here in the United States like it’s done in China. All business is suffering. It’s not just about “rich” people losing money in the stock market anymore. More than likely there will be quarantines. Small businesses will stop operating for a specific amount of time. Some will reopen some won’t.

Casualties of something that we can’t control. This financial disaster will affect almost everyone in this country. Hopefully, only in the wallet and not physically. there’s a chance that everybody who’s reading this article could be out of work in the next week or two for an unspecified amount of time. There are many of us who live paycheck-to-paycheck. I wrote about something like this scenario in an article back before the virus hit our shore. It’s here now. What people do during this crisis will affect their financial future for a long time to come. The financial decisions you make during these bad times need to be well thought-out lest they affect your future. There might come a time where you’ll need to borrow money. There are many different ways to get into debt. Some of them are palatable and some of them are completely distasteful. If you can get a personal loan when things go badly I highly suggest that you do just that. Sometimes people have to borrow against their credit cards. I’m not a believer in that but for the right reasons it certainly is the right move. Everybody has to eat and everybody has to pay their bills.

We are in uncharted waters and we don’t know what lies ahead. I know that as a last resort people take out payday loans. High interest, short-term Advanced payday loans at egregious interest rates that can run up to 700% per annum. What do you do when the crises is over and the day of reckoning comes? These loans have to be paid!! High interest payday loans are difficult to pay off. When your income returns, the last thing you want to do is be paying that incredibly high interest rate. How do you avoid it?

Easily answered! Payday loan debt consolidation, or Advanced loan debt consolidation as some call it is absolutely the answer to Payday loan debt. Federated Financial, with well over 20 years of experience in dealing with your creditors is able to have your interest rates reduced down to 0% in most cases. Doing that lowers those giant monthly payments by reducing the interest rates and having you pay only principal in most cases instead of interest. I couldn’t imagine why anyone would continue to pay the interest rates that these payday lenders charge instead of doing payday loan debt consolidation. When you’re stuck with your back against the wall, and the whole country seems like it’s falling apart, you do whatever you have to do to survive. If you must take out payday loans, when it comes time for relief you must do payday loan consolidation. Call the number on the top of our page, or fill out the form. You’ll be glad you did!

07 Mar 2020

How do I legally get rid of payday loans?

How do I legally get rid of payday loans?

That’s an easy question. I’d like to answer that for you right here, and right now. Federated financial has been in business for 23 years. We care about you, and we work for you, the client. We do not work for your creditor. Instead we work with the creditor for you and there’s a big difference there. All you need to do is give us a call or fill out the form on the top of our page and all we need are the names of your creditors and the account numbers if you have them. We can work with you even if you don’t have the account numbers readily available. The creditors that you have are creditors that we have worked with for many years, and yes, we can work with you and help you legally get rid of your payday loans. That is for sure!

We are not a payday loan company, We consolidate these types of payday loan debts. Helping to reduce our clients payday loan interest rates down to zero percent in most cases, allowing them a chance to get debt free.

Federated Financial has worked hard to ensure that local and on-line communities receive the very best possible level of care and support possible. Our counselors, customer service representatives, and creditor relations specialists are certified as credit counselors by the independent National Institute for Financial Education.

Our goal is to teach payday loan consolidation to consumers everywhere how to understand and manage debt so that they can achieve and maintain financial security. We understand the important monetary issues and challenges life can send your way and we are here to help. Our free community outreach programs, which include public seminars, walk-in clinics, newsletters, and on-line materials, give all of our visitors the ability to understand how credit works; how to overcome financial obstacles; and how to achieve important economic goals.

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.

04 Feb 2020
eliminate payday loans

How to stay out of stupid debt and consequently eliminate the need for payday loans (part 2)

In my last post I detailed a couple of the things that I’ve seen over the years take people down both physically and financially. These things are unnecessary and a total waste of money. Let’s go over a couple more things that cost you way too much and the first one is a necessity of life…

Did you know or should I say do you know what the manufacturer of your automobile recommends that you use when you gas up your car? I myself didn’t know the answer to that question until 2 years ago. I finally asked. I bought an SUV and it came with either a 4-cylinder turbocharged engine or a V6. I chose the V6. I also thought that because it is a V6 that I needed to put 93 octane gasoline in the car. Bigger engine better gas,? Right? I was wrong. The average prices for gas in Florida, the state that I live in is $2.36 for regular and $3.13 for high test. That’s a $0.77 per gallon difference. Doesn’t seem like much does it? If you drive 20000 miles a year it is. If you average 20 miles a gallon you are buying 1000 gallons of gas a year. That’s almost $800. More than you should be spending if you’re using the wrong gas. Now let’s take that back to my post from the other day. Let’s add that to the $7,200 that we came up with there. The total is now $8,000 a year that we’re totally wasting on things that are that are non essential, AND definitely essential too. But there’s more. Let’s go shopping!

Did you know that? Well I don’t have I did you know that answer right now but I do want to mention this one last thing that most people really don’t relate to but we all do it. We buy junk. Yes we walk into a grocery store and many times we buy junk. So we buy that 12 pack of Coke or maybe two. Perhaps we buy a case of beer. Chips and dips. Candy. Little boxes of fruit punch for the kids. Maybe we pick up The Enquirer at the checkout. This is math I can’t do for you because I don’t know how you shop. What I do know is these are the things that get you into debt. And once again we’re talking about non essentials here. Not to be redundant but shopping like that along with little things like using the wrong gasoline for your car or going to Starbucks, or smoking costs a whole lot of cash. I will reiterate that if you have to borrow money to buy these items you probably need to reassess the things you buy. If these bad habits have gotten you into debt consider debt consolidation for your credit cards or payday loan debt consolidation for your payday loans. Either way you go, a good payday loan consolidation company can reduce your interest rates down to 0%. That’s whether you have payday loan debt or credit card debt. Payday loan consolidation and credit card consolidation are proven commodities and they work.

04 Feb 2020
eliminate payday loans

How to stay out of stupid debt and consequently eliminate the need for payday loans (part 1)

I’m going to start this article by saying that I’m no preacher. I’m just a guy who over the years has seen many people go deeply into debt. 20 to 25 years ago it was credit card debt. Today, more and more people are going the payday loan route. Invariably they end up deep in debt and end up consolidating those loans. You’ve heard it before. Let me be the last person you hear this from. Let’s do this as a did you know:

Did you know that an average pack of cigarettes in the United States today costs $6.28.A pack a day habit sets you back $188 per month or $2,292 per year. A two-pack-a-day habit would set you back $376 a month or $4,584 a year? Did you know that? I’m an ex-smoker, and I haven’t smoked in over 25 years.I’m grateful that I quit for my health, and that I quit because today, I couldn’t afford to smoke cigarettes. None of us can afford to smoke cigarettes. They’re too expensive and more importantly than that they make you sick. They’re absolutely a cause of cancer and heart disease which is definitely not good for you. Short-term, if you are a two-pack-a-day smoker you will pay $376 a month to smoke. Does that sound like an electric bill, a water bill and a car payment all rolled up into one? Where do people go to get the money to pay their bills when they’re wasting almost $400 a month on a deadly habit. Payday loan lenders prey on people who smoke. I don’t mean that literally, but when we waste money on non essentials we open ourselves up to payday debt and all other types of debt which eventually will require either a payday loan consolidation, a credit card consolidation or a bankruptcy.

Did you know that a large coffee in Starbucks can cost over $5. Add in a $5 piece of pound cake and that’s $8 a day x 7. That equals $56……times 4 and you’re paying $224 a month. Now let’s take a step back. If we’re paying $376 a month for cigarettes and $224 a month for our morning coffee what does that cost us? Rhetorical question because the answer is easy and as plain as day.$600 a month for absolutely nothing. I know that the store brand of coffee costs less than fifty cents per K-Cup and a can of whipped cream probably costs $4. I think you can see where I’m going with this. If you are a smoker and enjoy your coffee on the road every morning you have a $600 a month habit, or $7,200 a year. That’s a lot of money that pays a lot of bills. If we spend $7,200 a year on non essential and absolutely dangerous items we could find ourselves in debt.

In the beginning of this post I said I’m not a preacher.That’s the last thing that people who know me would accuse me of. What I am is somebody who’s done all the things that people do today to waste money. I took out loans back in the old days to pay my bills and I complained to the people that I worked for that they weren’t paying me enough and I couldn’t afford to live. I buried my credit cards and finally ended up with a debt consolidation company to get out of debt quickly, or at least more quickly that I could have done myself. It seems that today, the quick fix is payday loans. Payday loans are very dangerous too. With interest rate that top off at 700% APR, they can financially destroy you and your family. Many people with payday loan debt finally get smart and turn to Payday loan debt consolidation. Payday loan debt consolidation can reduce interest rates down to 0%. My belief is we get to a certain point in life where we have to rebuke the things that are not good for us and remove the poisons from our bodies and our financial lives. Take this seriously. I speak from experience.

23 Jan 2020
payday loan consolidation florida

Payday Consolidation Loans and Laws in Florida

In some recent posts we’ve been talking about how laws that seem ironclad are easily being broken in States that either regulate interest, or have made payday lending illegal. Today we talk about Florida. In Florida, payday loans are referred to as deferred presentment transactions. That means the act of writing a post-dated check for money that’s borrowed today. Florida has enacted payday legislation. There’s a $500 limit on payday loans that are offered in the state of Florida.

They are allowed to be taken from 7 to 31 days with a maximum finance charge of 10% for every hundred dollars and maximum rate of 304% APR. The state of Florida only allows one loan at a time. in addition the state mandates what they call a cooling-off period of 24 hours between two loans that are taken in a row. In addition, the Florida statute states that you can’t roll over one loan into another. Those are the laws in the state of Florida. Let’s take this apart for a moment and analyze it. Florida allows a usurious interest rate of 304% APR. I question that. Why even have a law if you’re going to allow lenders to charge consumers over 300% in annual interest? There’s an answer there, but let’s take another step back.

SoF-seal

In the state of Florida, Law mandates that in the state predatory payday lending is it illegal and yes it comes up with a week caveat that only one loan at a time may be taken? My primary question would be, how does that benefit the consumer, keeping in mind that I can take a loan from Joe’s payday loan company and then walk down the block and take a loan from John’s Payday loan company. There’s no way to monitor that. Debt consolidation payday loans are freely available in the state of Florida and I’ll tell you why in a moment. The rollover portion of this law is plain stupid. People can take the loan from John’s company down the block to Joe’s company, and borrow the money from Joe to pay John. Here is what I believe is the answer.

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Florida is home to some large Native American tribes. The Seminoles, the Muskogee’s, the Apalachees, the Camusa’s and the list goes on. These tribes make a huge amount of money on payday loans and consequently are able to employ huge lobby groups to continue to help them keep payday loans a viable option in Florida behind some very weak legislation.

If you’re in Payday loan debt and need help call a legitimate, old and established payday loan consolidation company for your debt help. Consider the company that hosts this blog. They’ve been in business 21 years with an A+ BBB rating.. Call them, you’ll be glad you did

21 Jan 2020
payday loan consolidation company

Featured on Market Watch – Payday Loan Consolidation Company

Jan 21, 2020 (eGiiG News via COMTEX) — If you have become quite tired of paying installments to your loans and your finances are jeopardized every time you do so then opting for payday loan consolidation is the solution you need. Though there are many service providers dealing in the same the chances of associating with a trustworthy one are rather slim. Here we tell you how you may choose a payday loan consolidation company for yourself.

Check their BBB rating

First and foremost, you need to check their BBB (Better business bureau) rating as that would help you decide. The BBB provides ratings to such a company’s basis the manner in which they are operating their business. These ratings range from A+ to F and the higher the rating the better is the chances of it being a reliable alternative to choose.

Talk to them

Next, you should give them a call and request a free consultation. You could also submit the consultation form on the website and wait for their response. When you meet them make sure to ask a lot of questions so that you establish a rapport with them. If making them understand your needs is easy it means this is the company you should put your focus on.

Online reviews

Most of the companies dealing in this field have an established client base of their own. Such people would have posted reviews of the company online and you may consult the same too. Search around to find out what the customers say about the firm. It goes without saying that if they are reliable you are going to get a lot of positive reviews and vice versa.

Blog

Some of the companies handling payday loan consolidation maintain a blog on their website. This is to help people understand the whole concept before they finally take the leap. Read through the blog and if the content they are offering is valuable then the company would know the basics of dealing with the same. However, if you see content that seems to have no proper information offered then you may avoid the company.

Social media

Every company has a social media account and that is where most of the action takes place. It is quite likely that you would not only get to know about their reputation but also what new initiatives they are taking to ensure customer satisfaction. Apart from that if you have any queries this is the place where you can ask and find the correct answers. Not only do you get a response but it is quite quick as any delay is noticed by other customers too.

Conclusion

Payday loan consolidation helps you in more than one way. You have to pay only one installment for your loan and that too at the beginning of the month. After that, you can plan your finances in whatever manner you want. However, for best results always choose a company that is not in the business to fleece people. A company that plans its products around the customer’s needs is most likely going to be the option that you need at this time.

View original article here – https://www.marketwatch.com/press-release/how-to-choose-a-payday-loan-consolidation-company-for-you-2020-01-21