6574 North State Road 7 #137 Coconut Creek, FL 33073
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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!

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!

01 May 2020
payday loan consolidation

Consolidate your payday loans and start living your new life today!

*Will payday loan consolidation hurt my credit?

In most cases, payday loan consolidation won’t hurt your credit, but it won’t help your credit either. Payday loan lenders usually don’t report payday loans to a credit bureau except if they’re delinquent. The only things that happen when consolidating your payday loans all work for you. Your interest rates are reduced enormously. Payday loan interest rates customarily run between 200% and 700% annually. Payday loan consolidation can in most cases lower your interest rates down to 0%. This keeps you from remaining in the cycle of constantly rolling up one payday loan into another. Paying off payday loans certainly doesn’t hurt your credit. It helps you to maintain whatever credit you have.

*Can you add payday loans to debt consolidation?

Of course you can! Debt consolidation is simply taking all your debt and rolling it up into one monthly payment which is dispersed to your creditors at a reduced interest rate. Anything unsecured is almost always accepted into a payday loan consolidation program. Given the state of our economy, especially now in the time of coronavirus, many people are running into payday loan problems and needing to consolidate their payday loan debt. Federated Financial is a 23 year-old A+ rated BBB company. We have a tried & true formula that can help you get out of debt at a greatly reduced cost, over a shorter amount of time than you could negotiate for yourself. Debt consolidation of your payday loans works!

*Should you consolidate your payday loan with a personal loan?

That is a subjective question. Everybody has their own opinion. I’m going to tell you why consolidating your payday loans with another loan makes very little sense. You wake up one day and you decide you want to consolidate your payday loan. If your credit is still good you might very well be eligible for a debt consolidation loan which in turn will consolidate your payday loan. My question is, why consolidate one high interest loan with another? Instead, just consolidate your payday loan with a debt consolidation program. That way in most cases, you’ll be replacing your high interest loan with a no interest debt consolidation plan. We’d love the opportunity to explain it all to you! Please feel free to call us anytime, and we can show you a quicker and less expensive way to get out of payday debt then borrowing more money!

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.

16 Apr 2020
stop politicizing covid19

Catch the Chris and Andy show, 9 p.m. CNN

I must confess. I don’t watch CNN very often. Lately I don’t watch Fox either. This whole situation is way too politicized to get a fair and unbiased report on anything that goes on. There is one piece of absolutely compelling television that’s on two or three nights every single week. Chris Cuomo does his show weeknights at 9 p.m. Chris has also been down for the last two and a half weeks with coronavirus. To his credit he still does his show from his basement every single night. It has been obvious that he has been sick. What he’s doing is extremely comforting and inspirational to others who have this virus too. He’s upfront about all the symptoms. I mean everything. That would include depression, and even hallucinations.

chris cuomo andrew cuomo cnn

In his position, talking about these things in front of millions of people is very brave. He has developed personal relationships and friendships with other coronavirus patients, and speaks with them on the phone during the day. He humbly says that it helps him as much as it helps them. I believe that. He’s frightened and he admits it. Thankfully he is slowly recovering. He also has a very interesting guest that joins him a couple of nights a week for long and informative interviews. His brother. Andrew Cuomo, Governor of New York. Critics say that Chris Cuomo pulls punches when asking his brother questions. I don’t see that at all.

chris cuomo andrew cuomo

The governor answers each question in a very deliberate fashion, and I’ve noticed a couple of things. It’s clear that he’s not looking to pick a fight with the President at this point in time. That’s not always been the case and these two go way back. It’s still interesting television. He’s been extremely deferential to the President and to the federal government. Of course, the love between the two brothers is really obvious and fun to watch. These guys know each other so well. Of course they do, they’re Brothers. As of today Chris still has a touch of the virus. He said to Andrew last night,” bro, I’m still sweating”. Without missing a beat, the governor of New York replies “it’s called a fever Chris. “the back-and-forth repartee and  barbs, and banter are hilarious. It’s the best TV out there right now.

New topic. I just finished watching the President’s press conference. All three phases of his Reopen America plan. I am not a purveyor of doom and gloom  and I know there’s a lot of mixed opinion about this, but I fear he’s opening up a Pandora’s Box. I hope I’m wrong. Regardless, if you’re reading this post on this site you’re here for a reason. You’ve been thinking, how do I consolidate my payday loans? It’s time to think about that. As the country slowly reopens collectors go back to work, and they collect. That’s what they do. To think how about how do I consolidate my payday loans is a good thought You’re in the right place to find all the answers.

Federated Financial is a 23 year old company with an A+ rating with the BBB. Our age and our integrity have put us in a position to develop strong relationships with your creditors. In most situations will be able to lower your exorbitant interest rates down to 0%. That will get you out of debt quickly and for a whole lot less money. Yes, we can really save you a lot. So when that thought crosses your mind, how do I consolidate my payday loans? Your immediate answer should be call Federated Financial. Our number is on our home page. In the alternative, just fill out the form on our home page and someone will get back to you almost immediately. GOT PAYDAY LOAN DEBT? We’re the company to call when you become overextended with payday loan debt. Federated Financial really cares!

14 Apr 2020

Leave it to our country’s leaders to politicize the biggest tragedy in 102 years…

Read this. It affects you. President Trump has his mind set that this country needs to reopen by the 1st of May. People get it. They understand why. Or, at least they understand why he feels that way, but it might not necessarily be right. In the case of coronavirus the cure is in the process of destroying the patient.

Our economy has seen a nice bounce-back over the last week and a half but, it’s certainly not time to put people back to work in many places. The President has come out and said that the final decision rests with him which is in direct contravention to the Constitution. The 10th amendment specifies this fact. Governor Cuomo of New York was very specific about this. “Earlier Tuesday the governor told NBC‘s “Today” that the power to reopen state economies clearly sat with their governors as defined by the 10th Amendment to the Constitution, which states that powers not clearly designated to the federal government fall instead to the states.” If you have your nose to the news, many constitutional attorneys have come out and agreed with Andrew Cuomo, who is an attorney himself. At the governor’s briefing today he was very specific about not wanting to politicize this problem but wanting to protect the people first. A coalition of East coast governors including Republican Governor Charlie Baker from the state of Massachusetts have formed kind of a coalition coming forth to say that the decision is ultimately there’s as to whether or not their state gets reopened, and they will do what’s best for the people of the states they govern. Donald Trump came out this morning on Twitter calling these governors mutineers. Not very Presidential. Shame on him for that. He’s a bright man who does know better.

Governor Cuomo went on to say at his briefing this morning, and I paraphrase, that the President has been extremely responsive to him and the state of New York and the last thing he wants to do is go to war with Washington. He wants to leave politics out of this discussion and concentrate on the people only. He went on to say that he has no axe to grind with the President and would only oppose him if President Trump were to try and override his decision as to whether or not to reopen New York to business. It’s an interesting situation that bears watching. I will say that after all I have watched and read about this, all these governors have an open and shut case. The 10th amendment clearly gives the power to local government. When our founding fathers wrote the Constitution they had come from a Monarchy and had no desire to create another one. There was never supposed to be a king in America and there never has been. So will some areas start to reopen and go back to work? If they do your payday loans will become a problem. You will need help consolidating your payday loans.

I’ve said it before and I’ll say it again. You’ve come to the right place. if you need help consolidating your payday loans we are the company to use. We’ve been in business for 23 years and we’re highly rated at a plus by the BBB. Payday loans are a tricky thing. The lenders love them because they earn between 200 and 700% interest on most payday loans they extend. Our company, in most cases will be able to lower your interest rate down to zero and get you out of debt in a much shorter amount of time for a whole lot less money. If you need help consolidating your payday loans, please use us! You want to deal with the best payday loan consolidation company out there and remember one thing! We care.

13 Apr 2020
consolidate my payday loans

Is it time to Consolidate My Payday Loans?

I had someone email me the other day and ask that question. She wrote, “please tell me why is it time to consolidate my payday loans“? She goes on to write that she didn’t understand that during this crisis when cash is short, why would she be giving money to a payday loan lender.

This is what I told her. I reminded her first and foremost that she borrowed the money. I reminded her that she has a legal obligation to pay it back and also reminded her that her lenders could sue her. Clueing her in to the fact that I’m not an attorney, I explained to her if they were to sue her and win, her life could be made miserable. I explained to her that when creditors obtain a judgment they can go after many things that belong to her as long as they are unencumbered by a pre-existing note, or state law.

Furthermore, I went on to say, if she were to be sued, one of two things would happen. She’d either not appear and her creditor would receive a default judgement against her, or she would appear and based on payday loan lender paperwork that I’ve seen it would probably be open and shut. She would lose and could be responsible for lenders attorneys fees as well as hers. The flip side there is that a good attorney might just be able to find the hole in the paperwork. Did the Payday Loan company charge her too much money in fees based on her state’s law? Were they licensed to do business in her state? There is no perfect contract. In many cases there are holes.

I went on to say that despite all that, at the end of the day depending on the amount of money that was owed, it might just be less expensive to pay it off and be done with it. And that goes back to her question of why now? Well why not now? At the rate of interest that payday loan companies charge which is up to and including 700% APR every day she waits costs her money. But, here is the kicker. Using a good payday loan debt consolidation company would show you why the time could be now to get to work and fix the problem. Let’s take a really good company that’s extremely well respected with 23 years of experience and and an A plus BBB rating. A company like ours. Given our years of experience we know how to do it. In almost all cases we are able to have your creditor reduce your interest rates down to 0% putting you in a position to be able to pay off those payday loans in a much shorter period of time.

In other words we can get you out of debt quicker. I’d venture to guess that in many cases the interest on your payday loans has exceeded the actual cash balance that you originally borrowed. That’s insanity. The country is going to slowly come back online over the next month or two. That’s why consolidating your payday loans now should be done to avoid falling further behind. It’s time to start thinking rationally about the reality of your debt.So for everybody that’s reading this post I would say, ask yourself why would I want to consolidate my payday loans? ….. and consolidate my payday loans now? The answer is very simple. Each day you wait makes it harder and more expensive to get out of debt. Is there any better reason than that?

12 Apr 2020

Payday loans and payday loan debt consolidation in the age of coronavirus!

I was just doing some thinking. It’s Sunday April 12th, Easter Sunday and I just read this long article about how amazingly wonderful the federal government is for sending out $1,200 ACH’s and checks this coming week.

Am I missing something here? This country has been out of work and shut down for about a month now. What good is one check, just one check for $1,200? Well let’s see. In the south Florida area in which I reside it’s less than a half months rent for a 3-bedroom 2-bath home. More than likely it would probably pay the interest and property taxes presupposing they’re escrowed on a house that you owned. For a family of four it would probably buy groceries for about a month. I think you can see where I’m going with this. Why bother if it’s only going to be $1,200.If I’m not mistaken, initially it was going to be $1,200 twice. In other words once in April and once in May.

I’ve not read anything about that since it was first brought up and discussed. What we need to do for the sake of my point here is to let’s put that $1,200 aside just for a moment. If your state is anything like mine unemployment maxes out at somewhere between three and four hundred dollars a month. Add the $600 that the government was gracious enough to add on, and they’ve said they will add that on every week, and that makes $900. That’s less money then many people make. If you’ve lived your life making sound financial decisions hopefully you have some money tucked away for these rainy days. It’s hard to do that even in a two-income family especially if your family is young. Many people are not able to save until they get older.

So I guess we talk about alternatives. I haven’t forgotten about the $1,200. We’ll get to that in a moment or so. If you are a two-income family that 900 X’s 2 should get you by. Good for you. In this country, single parent families are a pervasive problem. The real problem here lies with monthly income when there is none. You are relying on your local unemployment office and an additional $600 kicker from the government to live each week. That $1,200 stimulus check your getting provides and additional $500 for each dependent child. I think you’re understanding my math right now and bottom line it is you probably won’t be making very much more than you would need to make to get by and perhaps you’ll be making a little less. That $1,200 that I was talking about before needs to be put away. I’m serious.

My dad always told me…and he was right, just to live on my earnings. In this case you must live on whatever your earnings are and you have to be financially responsible so you can live on this money. Emergencies happen and that’s what the $1,200 should be for you right now. Being in the financial business I understand what people do for money sometimes. Hopefully you haven’t had to borrow and I especially hope that you haven’t had to resort to taking a payday loan. Paying somewhere between 200 and 500% interest is really unacceptable. If you’ve been forced into that situation let us help you. Let us help you before it gets completely out of hand. Payday loan debt consolidation is a proven factor in reducing payday loan debt. Reducing payday loan debt is essential while the loan is still new. As the loan ages the interest mounts, and if you’re unable to pay on that loan as per your contract your total balance is going up right now.

Payday loan debt consolidation is the answer. In most cases we can help you by working with your creditors to reduce that enormous interest rate down to 0% which lowers your payment considerably and helps you out of debt quickly. Payday loan debt consolidation has worked for decades, and we’ve been around for decades. We have an A+ rating with the BBB and as an old established company we have the ability to help you. We will get you into a payment that you can afford to make and get you out of this payday debt. Did you know that only two out of 10 people pay off their payday loans as per their original contract? The other 80% roll the original loan into another. We can stop that from happening. Fill out our form or give us a call and we can begin to help you immediately. We always do the right thing. We have a track record to prove it, and in addition, we really care!

11 Apr 2020
payday loan consolidation

Your Payday Loan Creditors are starting to drool!

Yes, you read that right. As talks go on about reopening our country, creditors around the country are starting to get hungry. Hungry for your money. If you’re on this blog you know that we are a payday loan consolidation company. We are one of the companies that consolidate payday loans. Our name is Federated Financial and we’ve been in business for 23 years with an A+ rating from the BBB. That says it all. With that out of the way it’s time get real. Banks that deal in mortgages and credit card debt have extended all sorts of amnesty to their clients. It’s not because they’re kind.

It’s because they want to get paid even if it’s in small bites. No amnesty for payday loans! Why? Because these lenders prey on their customers. Their business model is geared to keep people in debt for many years. Payday loan debt consolidation companies are here to curb that process. There’s no amnesty for payday loan debt. I’ve googled it many times and can’t find anything about that. That begets the question, how do I get out of payday debt? Well, as most of us know by now the government will be either electronically transferring or snail mailing relief checks to most Americans starting on Monday.

Your payday loan creditors are keenly aware of that too and will use every resource within their power to get their hands on your money. You need payday loan consolidation companies now,,, more than you know! If you’re reading this you are here for help and tell you why. What I mean, is you’re here because you need us but you really don’t know what we can do for you. A good payday loan consolidation company that’s been in business for a very long time has built up solid relationships with your creditors. Based on our longevity and the honest, transparent way we do business, payday loan companies know if we tell them they’re going to get paid in most cases they do.

You want to pay those payday loans through our company. Using a good payday loan consolidation company to pay your debt can save you thousands of dollars, and years of grief, both emotional and financial. In most cases our program can get your creditors to reduce your interest rate all the way down to 0%. Right now, odds are your paying somewhere between 200% and 700% annually. Payday loan consolidation companies can make your savings astronomical. Relieving the high interest burden from your loan allows you to pay off your payday loans in a reasonable amount of time. It’s really a smackdown victory. You’re paying your creditors back, but you’re not paying The “Vig” so to speak. One last little note. I call it The “Vig” for a reason. It’s a term that loan sharks use to describe interest. It’s short for vigorish. That’s what they call it. I call it that because I believe that payday lenders are nothing short of glorified loan sharks. Eventually the government will do something about it. Right now you’re stuck with it so let’s make the best of it. Let us help you! It’s what we do, and we really care!

08 Apr 2020
corona virus threat

Think we can reopen the country, with COVID-19?

This morning it was reported out of the White House that the president is putting together the second Coronavirus Task Force. These people will be entrusted with the gradual reopening of our economy over the next few months. People will be going back to work slowly. Antigen testing will start to be implemented which will determine the people who have had the virus and might not have known about it. These unwitting virus survivors along with actual COVID-19 patients will be among the first to go back to work under the assumption they are at least temporarily immune to catching the virus again. This is good news and it is part of the reason that the stock market is beginning to trend upward.

Of course with everything good there are bad things that can happen too. The administration has to be extremely careful so as not to create what they call a second wave. The last thing we want is for this thing to come back after precipitously decreasing.These actions will create a new set of problem for those who find themselves deeply in debt. Conventional banks will work out payment plans with the people who owe them money. Credit card debt will be deferred, and perhaps even forgiven with no credit penalties to the consumer. And then you have payday loan debt. I still find it amazing that lawmakers seem to look away when payday debt is mentioned to them.

Here at Federated Financial we specialize in being a payday loan consolidation company who can help you get out of debt. The first thing to know is that you’ve come to the right site. The second thing for you to know is that Federated Financial has a 23 year old track record of exceptional service that we provide to the consumer. That track record is confirmed by looking at Federateds A+ rating with the BBB. You can’t buy that. We have great working relationships with all of your creditors, and in most cases can reduce your interest rates for all the way down to 0%. Some of our clients were paying up to 700% APR before they started on our program. Most of them are now paying 0% and will get out of that debt really soon. In order to do payday loan debt consolidation, you need to find a good payday consolidation company. It might sound self-serving of me to write this but, our track record speaks for itself and I highly recommend you let us consolidate your payday debt for you. if you’re looking for a great payday loan consolidation company, look no further. We’re here, and we are good at what we do!