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Some more random thoughts from a real PDL consolidation company!

Broward Dade and Palm Beach county beaches are opening tomorrow. Now that’s important, not!! At least the powers-that-be were smart enough not to open them today. They would have been inundated with people but for the fact that we are having monsoon rains and nobody would have come out anyway. Restaurants are opening up. They’re putting as many tables outside as they can because they’re allowed to have diners outside. Inside is another story. I believe they’re only allowed to open up 50%. In addition they need to follow complete social distancing rules, and consequently have everybody seated the requisite distance apart. I’ve seen videos of restaurants installing partitions in between booths. I’ve also been reading that in some of the smaller restaurants the ventilation systems are not new and consequently will not filter the virus but spread it around the room if somebody were to sneeze or cough. To me that looks like a disaster waiting to happen but I’m not an expert. Thank God! Look where the experts got us. Beauty salons and barber shops are opening up tomorrow in South Florida.

That’s exciting. Not!! I need a haircut. Everybody I know needs a haircut. 90% of the women I know need to take the gray out. My question would have to be, is my hair worth my life? I already know the answer. Think about it, these places will be filled to 50% capacity. 6-foot social distancing, and a hairdresser wearing a mask standing in front of you. She is leaning into you while she’s cutting your hair. Now I’m one of those people that wears a cloth mask that ties in the back twice. In addition there is a pouch of the mask for a HEPA filter which I use. I feel extremely protected. What about the people who are wearing paper masks. Somebody’s going to sneeze. Somebody’s going to cough. We’re human beings it’s what we do. The CDC says that 35% of coronavirus cases can be asymptomatic. If that truly is the case everybody is susceptible to catching it and all the thermometers taking temperatures and all the precautions and the assertions that people make about not being sick are all useless. Nobody has a clue as to as to whether they’re sick or not if they feel fine. I’ve also read that a good number of swab tests, those tests where they stick a footlong Q-Tip up your nose have been coming back false negative. Some people do not have as much virus inside of them as others do and consequently the swab does not pick up enough of the virus to register positive. This massive reopening is not a wonderful thing. I don’t care what any politician says, red or blue. The bottom line is if there’s no way to take a test that gives you an accurate result there’s no way we can all go back to work. It’s really very simple. In addition, if this whole thing blows up and I hope it doesn’t, the country will be shuttered again. That could very well be the end of the economy as we know it for the next 20 years. That’s a disaster in the making.

On a more pleasant note Major League owners, and the MLB players association will be sending figures back and forth to each other regarding the percentage of pay that each player will make this year. It looks like they’re going to play ball! Even in an empty Stadium it would be a welcome relief. A strand of normalcy in this crazy world we live in. they need to resolve their issues this week because spring-training number two would have to start the following week and hopefully by the third week of June the schedule will be redone and will have baseball back. at this point both the players and owners realize that Major League Baseball attendance has been down every year over the last seven years and the last thing they want to do is take a year off and let people forget how much they love the game. I could never forget, but the casual watcher can. They’re going to make it exciting. Half a season. Sprint to the finish. And they’re talking 10-team playoffs. Sounds like fun. Governor Andrew Cuomo of New York has officially stated that it’s time to play ball in New York and he’s offered any team having a virus problem in their home state to relocate in New York for this training. New York and New Jersey have three large ball parks. Yankee Stadium, Citi Field, and Giants stadium right across the river in Jersey. In addition Minor League Baseball thrives in upstate New York. Syracuse, Binghamton and many other small towns are home to minor league teams and have first class facilities. This is an ongoing story but it is a step in the right direction and hopefully it all works out. I don’t know how they will keep everybody healthy but they have a list of protocols that could fill a phone book. Fingers crossed on this one.

Finally, on the financial front, leaders in both the house and the Senate from red and blue States all agree that stimulus checks should be sacrosanct. in other words they are in the process of putting together and passing a bill right now that’s going to protect the stimulus check that you’ve either received or are going to receive very soon, from any claim a creditor may lay on it. In other words these checks are like Social Security checks or retirement accounts. Uncollectible! I think it’s the right thing to do and many states have instituted non collection mandates. It’ll soon be law. What about payday loans. Many payday loan companies are run by native American tribes. They work on sovereign Indian land and are exempt from collection laws. If you need real PDL consolidation help you need us. You have borrowed through the years and many folks have run up some serious PDL debt. Rolling one high-interest loan into another is not the way to do it. You need payday loan consolidation from a real PDL consolidation company. I keep calling us real because we do the job we promised to do. We’re a 23 year-old company with an A+ rating with the BBB. We have impeccable credibility and great relations with your creditors. They work with us and they work with our program. We have integrity, and will they know when we tell them you’re working with us more than likely they’re going to get paid. There are plenty of bad actors out there taking money from the people who can least afford to pay it and are not doing the job. You’ve stopped on this site, you’ve looked around. If you need help starting today, give us a call, or fill out our short form and somebody will get back to you first thing tomorrow morning. For real PDL consolidation, Federated Financial is your answer and your bridge to financial freedom.

The real condition of our country and payday loan consolidation in the time of corona-virus!

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

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

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

Armed guards in Banks? That’s not progress that’s digression. The elephant in the room or in this blog post so to speak would be the United States of America opening up over the next few days and people going to work. Down here in South Florida, Dade Broward and Palm Beach counties are still shut down and they will be for a while. Southeast Florida still has it bad and somebody must have told the Governor moRON DeSantis that opening up South Florida wouldn’t be the right thing to do at this time. So the rest of Florida along with most of the country is starting to reopen. What does that mean? Well my take is that it means a lot of people are going to get sick,  maybe even for the second time, because we don’t know if having it once grants you complete immunity. You just can’t have all these people going back to work and interacting with others, masks and all, and think they are not going to get sick. We saw what happened the first time. This is an absolute case of our federal government putting commerce before human life. I’m all for commerce. Please understand that I don’t want to see this stock market, tank and our economy destroyed. Yet I think we need to weigh the advantage of reopening against the damage that will potentially be done. I believe another month would make a huge difference. I think that the American people are smart enough to know this.

Everyone I’ve spoken to, and myself included does not feel safe enough to walk into a restaurant and have dinner. It’s kind of disconcerting to have your server masked and gloved, and having to sit there with your mask on until the food comes. That’s not my idea of a relaxing dinner. Sorry. I know there are many places I will not go. I’m not going to go get a haircut. If it gets too long I’ll tie it back or I’ll have a friend cut it. My hair is not worth my life. This is not something getting better this is something getting worse. As of these businesses start to reopen I believe Wave 2 will start to appear. We won’t see it immediately. It’ll be like the first time. We’ll see it around a month or so after we reopen. Experts have said that when we first started testing and each state was showing 5 or 10 people infected they were probably tens of thousands of people walking around with the infection and we now know that’s true. I believe we’re in for a Long Winter this summer. I believe it’s going to last until the beginning of 2021 at best, and at worst for another 18 months. Until such time as all Americans AND all citizens of the world can be inoculated we will all be in danger of getting sick.

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

Coronavirus update! What’s coming around the curve? My take!

I’m not a doctor. I’m not a statistician. I’m not a left or right wing zealot filling the airwaves with a bunch of political propaganda. I can’t watch neither Fox News nor CNN anymore. Too much partisanship. Makes me want to throw up. Even as the curve approaches and the cases of coronavirus will slowly start to go down, this country is still in crisis. The economy is in the toilet. Forget about the markets. People that are buying now are buying on a hope. There’s plenty of volatility ahead. Our president wants to slowly reopen the country. I agree with him, as long as it’s done intelligently, and hand-in-hand with the medical community.

federal government

President Trump needs to allow plenty of medical input before he makes his final decisions. If this were to fade and come back the results would be both medically and financially catastrophic, and bordering on financial Armageddon.This has affected every single one of us financially, in every single way. No one has been spared. This virus knows nothing about location, race religion or socioeconomic status. As many acts of nature do, it’s hit already financially challenged communities the hardest. People will be going back to work slowly and hopefully the government will heavily rely on the new antigen tests to find the best candidates to head back into the workplace. Life as we know It will not be the same for the foreseeable future. Most of the time I like to stick to writing and speaking about things that I enjoy and that I fully understand. There will be no football season this year, nor will Baseball teams play. Hockey and Basketball will not finish their seasons. You’ve not heard that on the news but I am old enough and I’ve seen enough in my life and digested enough of the information that’s floating around to come to those conclusions and I’m going to tell you why. Let’s start with football. Today is April 10th. Football teams don’t report to training camp for another 3 months.

How do I make that statement today?

By the grace of the universe, and by listening to the wisdom of these fantastic doctors who are pulling the reigns in on our president, I have come to the following conclusions. Some of the hot spots in our country have hit the curve. That simply means that the new cases reported are flattening out and will eventually start moving down, and they’ll do that pretty soon. You can see it starting in New York. Hopefully by the time July comes around this virus will be less prevalent in most areas. So I pose this question: in an 80,000 seat football stadium what if 10 people are still carriers? They pass the disease on to 20 people, who will pass the disease on to 40 people, who will then pass it on to 80. And so on. That’s how it started originally. Within two weeks cases start popping up and they continue to pop up and increase over a wide swath of America. We’re back to square one or if we’re smart which we probably will be we would just chop it off at the knees. We cancel our sports season in this case football, and we wait till next year. It’s just not feasible to have that many people in a stadium with this thing still floating around. The players will get sick. Once again, it only takes one. There’s an unbelievable amount of close contact in a football game.

Protection, Prevention of Coronavirus Covid-19

Back to the fans.

Social distancing won’t work in a football stadium. Even if you leave four seats in between each person there is too much close contact at concession stands, bathrooms, and in other areas to keep it safe. The NFL will take Baseball’s route and just not start the season. They don’t want to end up like the NHL and the NBA with all that unfinished business. I mentioned Baseball because there has been some crazy talk about having the whole schedule played in Arizona. The Phoenix area is home to quite a few MLB spring training sites. Along with the Diamondbacks stadium and college stadiums MLB was proposing to play the games in empty stadiums with no fans at all. Interesting concept but they’re just too many people in the locker rooms and you can only lockdown grown men for so long before they want to go out even to get a Big Mac. these guys will miss their families cuz there are no home games. You have 30 baseball teams with 26 players on each roster and management staff. That’s almost 800 players before counting staff. There is no way to ensure safety with quarantine because it only takes one. Zach Britton, the great Yankee sinker baller said, and I paraphrase “there’s so many people that touch the ball. The umpire hands it to the catcher, the catcher throws to the third baseman, and the infielders toss it around before it gets to me. They need to make the game safe. I don’t want to take this home to my family” Zach was prescient in his thought. He said this before MLB canceled spring training and the beginning of their regular season schedule. The financial cost of losing these four major sports is probably incalculable right now. For the sake of this post, let’s say that it totally supersedes any one of the sports that it affects. it goes way beyond the sports all the way down to the guys that sweep the stairs in the stadiums.

And so it goes.

We will have no sports this year. Things will change and they will change just as soon as we all can be inoculated to protect us from the virus. If they could rush something through testing, we’re still looking at about a year from now minimum. This is just the way it is today. There’s nothing anybody can do about it but wait, and be careful. We need to follow the government’s stay-at-home recommendations because the statistics show that they are working. And, we need to wait this out. How does this affect you the consumer? How does this affect me who is most definitely a consumer also. Has anybody ever stopped and thought about how much it costs to go and watch any of the four major sports? And take your family with you. What does it cost a family of four to go to a football game? If there’s somebody reading this out there who’s feeling ambitious Google it! It ain’t cheap. There’s a silver lining here though. For those who can’t afford to take their families to these type of events right now there is a pretty cool alternative. Use a round number. Let’s say it takes $125 to take a family of four to a sporting event. That could dig into your budget whether you’re working or not. It’s too much money to spend especially in times like these, and all the major sports leagues are closed anyway.

Here’s my advice!

Take that money and multiply it by two. When things loosen up a bit drive down to the closest Best buy and pick up a 55 inch 4K smart television set for $500. That’s all they cost. The best seats in the House. Replay. Your own bathroom. The pause button. Food out of your own kitchen that’s not disgusting, and disgustingly overpriced. There can be a lot of advantages to staying home. The last thing you want to do is borrow money right now. Money comes at a premium and nobody knows who is going back to work and when. If you’ve borrowed money and you’ve had to borrow money from a place other than a conventional Bank you might be one of those people who have gotten stuck with payday loans. Yes, I used the word stuck. Stuck to the tune of somewhere between 200 and 700 percent annual interest. That’s what payday loans do for you and that’s what the lenders want them to do. They want to keep you in debt, forever paying enormous rates of interest.

How can you fix that?

How can you consolidate your payday loans? It’s not that difficult. To consolidate your payday loans you need a good company with a long track record in the business. You need a company whose worked with your creditors before and has a great reputation. You need a company that has a 23-year history of doing the right thing and retains its A+ rating with the BBB. So how do you consolidate your payday loans? You consolidate them with us. Federated Financial is the only choice to make when you are in Payday loan debt. Our program is geared to have your creditors reduce your interest rate, in most cases all the way down to 0%. This will get you out of debt sooner and for a whole lot less money then if you paid them off yourself. Get the payday loan monkey off your back and start getting out of debt today. Simply fill out the form on our homepage or give us a call. We’re here to help, and we do it well!

Everyday life with payday loan consolidation

If you’ve been reading this blog you probably have realized that I am a big fan of science fiction, that I understand the concepts and the gaming strategy of Poker, along with the math, and I understand money in the best way that I can. So let’s go back to SiFy for a few moments and catch up on some current events. This time, I’m not going to be the purveyor of Doom and Gloom. These are the voyages of the Starship Enterprise.

The Original Series and the Next Generation, along with Deep Space Nine, in my opinion, are the three greatest sci-fi series in the history of television. Again, just my opinion of course, and my opinion is just that. The original series, was the most amazing predictor of the future. Gene Roddenberry was prescient in his thoughts, almost like he could see the future. There are so many things that he invented for the show that we use today. Sliding doors, handheld communicators that flip open.. today we call them cell phones. Phasers were simply a fancy word for lasers that our military has been using for years. All of the logs that the captain signed sure looked like they’re being signed on an iPad…. Everybody with their own computer, and one that talks when you ask it a question. And the computers were conversational!. Roddenberry envisioned AI 40 years before anybody thought to make it a part of our daily lives. The man was a genius.

As I write this blog today there’s one episode that sticks out in my mind. It was an episode of Star Trek the Next generation in season 2 and it was the last episode of the year. It was called The Neutral Zone. There were two intersecting stories in this episode one of which was about what would happen to three people if they were frozen in cryogenic sleep and woke up 300 years later? There was the mother who was worried about her long-gone children. The musician, laid-back and looking for a drink and a good time. Then the businessman who was worried about his money and constantly told Captain Picard that he needed to call his broker. After annoying everybody for a long time the captain finally explained to this man that in the 23rd-century people don’t care about material things like that anymore. The focus is on people. helping people and creating peace in the galaxy. I paraphrase Patrick Stewart of course, the actor who played Picard and still does, but the thing that I’m driving at here is that with all that science and technology has created today we still worry about money.

All of us do, myself included. If you’ve read this blog and have read some of my recent posts, I actually made some predictions that have come true. Just a couple of weeks ago I explained how the coronavirus could very well affect us all and it’s starting to happen. My last post was about shopping properly, saving money, and being able to stock up at the same time. It was about being in debt because there’s a good possibility we could lose our jobs for a period of time. Quarantines and isolating. That time seems to almost be here, yet this post is not all Doom and Gloom. I’ll tell you about the silver lining in a moment.

I live in Broward County, Florida. We’ve been declared a Virus hotspot so to speak, and the governor has ordered the National Guard into our county. My guess would be that they are here to maintain and oversee the implementation of his orders. It’s a surreal experience for me. As surreal as it would be if I was being beamed up to the Enterprise, and I say that with a smile. I never thought either one of these two things as a real possibility. There’s a silver lining in all this. If we follow the orders and the suggestions we are being given by the government, and the really bright doctors on television, most of us are going to be just fine. There’s an extra added bonus too. Yesterday, in one of the most dynamic news conferences I’ve ever watched our president outlined his plan that combines government and private business. This plan along with the bill that was passed last night is being put into place to help the citizens of our country. The plan is about health and the plan is about money. People need to check the internet to see exactly when all that was spoken about will be implemented. I’m sure they’ll be talking about implementation on TV. One of these plans is to make sure that workers get paid during the next two or three months. The president spoke of money being allotted to the workers who’ve lost their jobs due to their employer either closing or going out of business during these social isolation times.

The Federal Government has promised to supplement and help all citizens who are afraid, and rightly so about falling deeper into debt. How they’re going to do it, and how the money is going to be distributed remains to be seen but this is a work in progress and I don’t doubt for one moment that this will happen. I do know that the funds will be distributed by Social Security. How does this affect you? That’s for each individual to decide but I have a couple of suggestions that I thought of that I hadn’t thought of before. Obviously this Federal bailout will help floundering companies stay in business. Hopefully, you’ll be able to maintain your employment when the virus fades. I forgot to mention one thing and thats unemployment. Depending on your state you might very well be eligible. In addition, you probably need to take a look at this. It’s the bill that was passed last night. It’s called Families First. It was a bipartisan effort and after reading it I think it’s going to help everybody who needs it.

Here it is: https://www.documentcloud.org/documents/6810192-Families-First-Summary.html#document/p4/a556363

I truly hope it helps you if you need help. If you’re wondering what’s happening and why businesses will be shutting down or closing down completely here’s a brief synopsis. It’s like a trickle-down effect. If there’s no product coming out of China because they’re way behind, stores can’t stock shelves. If there’s no product in stores, customers walk in and walk out. This creates a lack of income for the retailer and puts them in a position where they neither need, nor can’t afford people to help them… And there goes a job!

That scenario can be translated to any business. I’ll give you one more. Movie productions are being postponed all over the world. Tom Hanks and Rita Wilson have coronavirus. They are in Australia right now preparing for a film. Now the studios don’t make movies. If they don’t make movies they have no product to release. If they have no product to release the theaters don’t get the films, but the theaters wouldn’t get the film’s anyway because public gatherings are being frowned upon and soon won’t be allowed. If that happens all the people that work in the movie theaters are out of a job. So it affects everybody, and every business has the same problem just in a different way. This bill will help your family if you meet the criteria which fortunately probably won’t be hard to meet. Please remember one thing.

I do believe the government is going to help and I do believe that unemployment will soften the blow. I also believe wholeheartedly based on what we’ve seen in China that this is a temporary situation that is handled properly can be remedied and rectified in two or 3 months. This has been confirmed by Dr. Anthony Fauci, the director of the national institute of allergy and infectious disease. So, what I’m trying to emphasize here is that help is on the way and panicking isn’t going to solve anything but only make things worse. I’d be remiss if I didn’t say in closing that you’re on a website that is geared to help people in financial distress.

Payday Loan Consolidation Company - Federated Financial - Introduction to payday loan consolidation

 

 

When this situation ends we can help you get out of debt. Our payday loan debt consolidation company with 23 years of experience in the field can help you get out of any type of debt that you might have incurred during these tough times. You want to deal with a company like ours. We have longevity on our side and great relations with your creditors. We know they will work with us. Our A+ rating with the BBB ensures that you will be treated as a member of our family. We can get you out of payday loan debt in a quick expeditious way. We can have your creditors reduce your interest rates from a maximum of 700% in most cases down to 0%. You’d be paying principal instead of interest. You’re getting out of debt sooner. We can help with your Payday Loan problems. Advance Loan Consolidation is our specialty and we aim to please. We can save you thousands of dollars. Whether you need us or not please be safe during this crisis and take care. We’re all going to be fine.

God bless to all, and God bless America.