Monthly Archives: September 2019

Real PDL Help Introduces Their Debt Management Services

FOR IMMEDIATE RELEASE

(Olathe, KS)—Real PDL Help, a Kansas-based financial services company, has announced the introduction of their debt management services. The company has committed themselves to specifically helping clients who have found themselves stuck in the payday loan cycle without any knowledge of how to get out of their debt. Real PDL Help works one on one with clients to create a personalized debt relief plan that works for their individual income level and life situation.

Theodore Webb, a representative of Real PDL Help, stated “Over the last decade, the payday loan industry has grown at an alarming rate, as payday loan stores nationwide have started to outnumber popular fast food and coffee store chains. Unfortunately, this has only made it easier for consumers to get stuck in what we call the ‘payday loan debt trap’, paying as much as 400 percent interest on a loan that was meant to help them get by for a short time. In addition, many are getting scammed by fraudulent companies posing as online payday lenders. Not only are we helping people learn to identify a Payday loan scam, protect yourself from scams, and become aware of illegal lending practices, but we’re also giving them practical tools to get out of the debt they’re already in.”

Real PDL help offers consumers help with payday loans debt by guiding them through the loan consolidation process. By consolidating their payday loans, debtors have the potential to finally cut ties with payday loan companies, eliminate outrageous interest rates, reclaim control of their loan contracts, and make payments that are better aligned with their budget. Real PDL Help’s goal is to assist their clients in getting out of debt and to educate them on how to avoid these problems in the future.

As Webb goes on to say, “We want consumers who are currently in over their heads to know that assistance is available. Whether we simply give payday loan help, consolidate payday loans, or show consumers how to avoid getting caught up in illegal financial scams, we are proud to play a role in helping them get out of debt and get their lives back on track.”

About Real PDL Help:

Real PDL Help works one-on-one with people who are struggling with mounting payday loan debt, unmanageable monthly payments, and aggressive lenders. They guide debtors through the process of consolidating their loans, getting payday lenders out of their bank account, and creating a personalized plan that works with their specific income level. Their team takes pride in not just taking control of the process, but in educating clients about what’s happening, as well as what works best for them and why.

Source: http://markets.financialcontent.com/investtalk/news/read/32864325

The Ultimate Guide to Businesses

A Guide to High Risk Merchant Accounts

If your business is a high risk business or operating in a high risk industry, you get a payment processing agreement from the bank or a merchant account that is a high risk merchant account. These businesses usually are charged a higher fee for merchant services and that is why their costs are greater because these charges are usually added to their business cost. Some businesses are affected by this high cost of merchant services especially those business who were re-classified as operating in a high risk industry and so they were not really prepared for these cost of operating as a high risk merchant; and this additional cost of business is also affecting their profitability and ROI. High risk merchants who cannot find a place to do business can work with companies that offer competitive rates, faster payouts, and lower reserve rates, and these are mainly to attract these kinds of businesses.

The label ‘high risk’ is given to a business due to the nature of the industry, the method by which they operate, and many other factors. Adult business, travel agencies, auto rental, collections agencies, legal offline and online gambling, bail bonds, and other offline and online businesses, can be considered high risk businesses. When banks and financial institutions work for these high risk merchants they are much aware of the high risk that these payment involves. And this is the reason why these businesses need to sign up for a high risk merchant account which has a different fee schedule than regular merchant accounts.

Because these merchant accounts are high risk there are additional worries about the integrity of the funds and the possibility that the bank may be financially responsible in case of any problem. That is why high risk merchant accounts often have additional financial safeguards in place such as delayed merchant settlement in which the bank holds the funds for a slightly longer period to offset the risk of fraudulent transactions. There is another way by which banks protect themselves from risk and that is to put up a reserve account where a small percentage of the settlement is help for one to three months until it is clear that the transaction was safe. This reserve account may or may not earn interest but when the reserve time has elapsed, the money is returned to the merchant and paid on the standard payout schedule. The risks for high risk merchant account are fraud, chargeback, refund, or reversal, like a stolen credit card used to make purchases or renting something using a debit card with insufficient funds. This increase risks for the bank and the payment processor because they will have to deal with the fraud.

Source: http://www.bloghrvojehorvat.com/business-past/

6 Facts About Products Everyone Thinks Are True

Tips Every Shopper Needs To Learn This Holiday Season

Now that Thanksgiving, Christmas, New-year, Halloween celebrations are in a few days, you would not be so off the mark to say the holiday cheer will soon fill the world. It is likely that you’ve already began your shopping. If not, it would be a good idea to get started. In case as seen on TV merchandise is what you have in mind, making orders as early as now is advised.

The majority of as seen on TV products stores have many orders to process forcing them to attend to the first client that makes an order. This means that last minute ordering might cause issues such as delayed shipping time thus your order might as well fail to make in time for the holidays. This could actually mean that the product might not make it in good time for the holidays. A wise shopper would therefore place orders early to ensure delaying issues are stamped out.

If you would not want the price of the gift known, contacting the as seen on TV products store and informing them you would want the price concealed would be great. In most cases, there is a receipt indicating details attached to bought items. Having the product shipped to you first will also do since you can detach the receipt, then pass the gift to a recipient of your choice.
A Quick History of Sales

Cloning is a big concern when it comes to as seen on TV merchandise. The holiday season is when various companies imitate the likes of as seen on TV kitchen gadgets and sell them at extremely lowered prices. An exorbitantly lowered price will in most cases mean one thing, quality has been overlooked. A clone can never function as the real thing, and they are the culprits behind giving as seen on TV merchandise an ugly name.
Lessons Learned from Years with Products

Delays do happen at this time of year in different sectors, and as seen on TV products store are no exception. It is important to understand that quite some work goes into ensuring that all clients get value for their money. Going at lightning speed would likely result in errors that would make clients an unhappy lot. Just like we talked about earlier, being an early bird when it comes to placing orders is a surefire way of drastically reducing incidences of delay.

Holidays are the perfect time to have a joyous time with your dear ones. It is also a time that you are likely to send out gifts to people that you care about. An ideal way to achieve this is opting for as seen on TV merchandise in light of the fact that you will always find something ideal to get that special person. The above tips will ensure that your as seen on TV shopping experience is worthwhile.

The Beginners Guide To Taxes (Getting Started 101)

Tips When Filing Tax Returns on the Internet

So that you can accomplish your duty as a responsible citizen of the country where you live, then you should not miss to pay for the income tax returns in a timely way. If you have failed to do this, then such will add to the taxable amount that you should pay and this is going to put a dent on your pockets and also degrade the image too in the banking sector and such will also lead to a rejection of loans and other things due to the a low credit score. This means that when you would file for the income tax return, you have to consider this as a priority and such should be completed in a given period of time so that you will be able to avoid any interest or penalty payment later.

So that you can help with the tax return filing worries, you should understand that technology already has given you great resources. Due to the internet era, you will now be able to conduct an e-filing of the income tax return. This is a fantastic thing for tax payers because they can just file for returns from their house without having to leave their residence. Moreover, another excellent thing about this is that such is cost-free. There are those income tax filing websites which provide a simple platform wherein you need to fill in the details and then file for the income tax.

Apart from being able to save your money and also your time, there are many other great things that you can get when you are going to file your income tax online. One is that intuitive application procedure. Such is a really intuitive online application procedure and this is customized based on the taxpayer’s income tax situation. Moreover, there are income tax calculator tools. When you like to make an estimate of the refund that you will be getting, then it is a great idea that you use the income tax calculator tools which you can find online. You need to enter the basic details like the name, age, and the residential status and other details. Once you are able to do this, then you will then use the pay slip to give the details on the income which you have earned. You should also note that you must enter the taxable income for a certain year that is calculated after you have deducted the different savings and also the non-taxable investment you have invested in. When you have not applied on these, the income tax calculator is going to provide you the option to add any tax deductibles later on. You can also apply these and compute for the tax refund properly.

Source: Tax