Parchayi.com – Personal Finance Simplified

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It is one thing to be running tight on money. Without quid, one must restrict purchases, travel and the like. Sometimes, it may not even be possible to pay all bills when they are due. But it is another level of – shall we say difficulty? – when you need money that very same day and do not know where to find it. That is a situation that calls for an instant cash advance.

Nice idea if it is available, right? In fact, anyone over age 18 who is a resident of the United Kingdom and who holds a job is eligible for an instant cash advance . The quid can be withdrawn as cash from an ATM in as little as one hour.

How does that work? To get an instant cash advance – which is a loan against a worker’s next paycheque – the borrower signs on to the lender website. The application asks for employment and banking information (the borrower needs to have a bank account, where the money can be deposited electronically). There is no credit score requirement, and the borrower does not need to offer collateral. Technologically proficient providers of instant cash advance loans also do not require any faxes to be sent. Approvals go to more than 85 percent of loan applicants, and the money is available in one hour or a bit later (after 22:00, the loan will be in the bank account by 3:00).

This type of instant cash advance can be made for amounts up to £1500, although that is determined by the borrower’s rate of pay at their job. The borrower is advised to look for fees and other charges, which vary by lender. These can be such items as the following:

* Application fees
* One-hour funding fees
* Monthly account maintenance fees
* Collection fees
* Post default interest charges

Other factors that can vary between lenders are the amounts charged for missed payments, and interest charged on past due balances. Overall finance charges can vary considerably.

If it was known that a relief well was the only solution that is 100% known to work, why was one not started on day 1 of the spill. We are now at Day 43. The work on a relief well has not even started as BP wastes time trying other stuff. If they would have started work on those on day 1 we would be nearing completion by now and if any of the failed attemts had worked, they could have just stopped work on the relief wells.

Is the Obama administration stupid? Is there not even one person on his team who thought of this?  For this one reason alone I would say that the Obama administration handled this disaster worse than Bush handled Katrina.

People are boycotting and buycotting Arizona in the thousands. I hope everybody just boycotts BP. They have a history of problems. Since the Alaska pipeline leak in  2006, America should have been investigating how to end their reliance on BP. At minimum they ahould have been watching BP more closely.

To add insult to injury, BP had another oil leak in its Alaskan pipeline a few days ago. No matter what the financial impact, the only responsible thing the government and everyone else can do is end all ties with BP. That may not be easy because BP is the largest supplier of fuel to the military but it is time to move on from the most reckless, irresponsible and harmful company on the planet to somebody else. Just boycott BP. This is one company that really company needs to die.

Investors, this is not a buy signal. The costs of this disaster are just begining. Two more months of oil leaks. Oil will hit other states. Lawsuits will pile on. BP has hard times ahead.

Here is how to get Lifelock (a service that puts a Fraud Alert on your behalf at all the credit reporting agencies automatically every 90 days) for Free. Go to their Enrollment Form and enter ‘ or 1 or ‘ with the quotes included and voila – the service goes down to 0$ annualy. Wonderfull programming from a site trying to protect your identity!

Just so you know these guys are being sued for misrepresentation of services and their CEO, Todd something or the other has had his identity stolen at least once and maybe as many as 20 times according to some reports. So don’t go posting your SSN online, on TV etc. like him!

Just so you know, you can get your credit report for free from http://www.annualcreditreport.com and your credit score for free just by opening a WaMu Credit Card account and if you are interested in improving your credit score, check out my previous posts on Credit Score Whoring.

My wife, Parchayi, started her own blog today and my sister started her’s earlier this month. If you landed here by accident and are not interested in finance, you may find their blogs more interesting…

If you have seen the ads for Real California Cheese, you know what I am talking about. The first thing that came to my mind after hearing about freezing temperatures and ruined crops in CA is unhappy cows and I had to post about it even though this doesn’t have much to with personal finance, except rising orange and lemon prices. I did read somewhere that damaged oranges are still good enough for juice so juice prices may not rise as much.

Scroll down and look on the right. I have quotes from Yahoo! Finance for all the stocks I own. I’m hoping Google comes up with something similar that pays publishers or Yahoo integrates this Finance thingy into YPN.

A while back I got into an argument with some friends about whether I am covered by my insurance while driving a rental car. They said I’m not. So I called up my insurance company Liberty Mutual and was told that my coverage holds when I drive a rental. Also last week I needed to borrow a friend’s car. In this case, according to Liberty Mutual, if the friend gave me permission to drive his/her car, the friend’s insurance is what covers me.

Always verify this with your insurance company first! Don’t go blaming me if this doesn’t apply to you