Texas Money Source helps you find the cash you need in Texas.

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Texas Car Title & Payday Loan Services, Inc.|(972) 203-8400

Editor’s Rating
Overall Not Rated

This Texas Payday Store is here to loan you the cash you need. Drop by and see how they can assist.

They are located at : 3533 N Belt Line Rd, Sunnyvale, TX 75182

Texas Car Title & Payday Loan Services, Inc. provides Loans

Phone: (972) 203-8400

TX

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Cash Store|(713) 910-3770

Editor’s Rating
Overall Not Rated

This Texas Payday Loan Store is here to find you money. Call and see how they can assist.

They are located at : 3515 Spencer Hwy Ste A, Pasadena, TX 77504

Cash Store provides Payday Loans,
Loans,
Check Cashing Service

Phone: (713) 910-3770

TX

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ACE Cash Express|(903) 581-7487

Editor’s Rating
Overall Not Rated

This Texas Payday Lender is here to find you money. Call and see how they can serve you.

They are located at : 3826 Troup Hwy, Tyler, TX 75703

ACE Cash Express provides Payday Loans,
Loans,
Check Cashing Service

Phone: (903) 581-7487

TX

formats

ACE Cash Express|(254) 791-9100

Editor’s Rating
Overall Not Rated

This Payday Loan Store in Texas is here to loan you the cash you need. Drop by and see how they can serve you.

They are located at : 1416 S 31st St, Temple, TX 76504

ACE Cash Express provides Payday Loans,
Loans,
Check Cashing Service

Phone: (254) 791-9100

TX

formats

Texas Car Title & Payday Loan Services, Inc.|(325) 646-4200

Editor’s Rating
Overall Not Rated

This Texas Payday Store is here to find you money. Call and see how they can assist.

They are located at : 111 Early Blvd, Early, TX 76802

Texas Car Title & Payday Loan Services, Inc. provides Loans

Phone: (325) 646-4200

TX

formats

ACE Cash Express|(972) 266-2283

Editor’s Rating
Overall Not Rated

This Texas Payday Loan Store is here to loan you the cash you need. Call and see how they can assist.

They are located at : 1038 N Carrier Pkwy, Grand Prairie, TX 75050

ACE Cash Express provides Payday Loans,
Loans,
Check Cashing Service

Phone: (972) 266-2283

TX

formats

Free Checking is going away for many consumers

Published on May 28, 2012, by in Uncategorized.

Millions of consumers across the country may have noticed that the price they pay to maintain basic banking accounts – ones which used to be low-cost or even free – is on the rise.

Fortunately, there are ways for consumers to avoid paying the fees many financial institutions are now charging in response to greater federal regulation of the banking industry and save money, according to a report from Good Morning America.

First, it’s important to know why these fees are being charged, the report said. It’s because the nation’s largest banks are now losing revenues because of restrictions put in place by both the Credit Card Accountability, Responsibility and Disclosure Act of 2009 and the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. Experts have estimated that the banking industry will likely lose about $7 billion in revenues every year. As such, they are now instituting new policies that will help them to defray their losses a bit.

One of the things some banks are starting to do is institute more fees for maintaining accounts that used to be offered free of charge, particularly those for checking, the bank said. However, many also build in ways consumers can avoid them. For example, the bank may boost a checking account maintenance fee to $5 a month unless the user maintains a minimum balance of $1,000 or there are at least $1,500 worth of deposits made into it every month. Therefore, it can be extremely beneficial to consumers to review their account agreement to determine what they’ll need to do to avoid paying these fees.

In addition, banks are now prohibited from charging consumers overdraft fees when a consumers spends more on a debit card than they have left in their account unless they “opt in” to using the service, the report said. As such, many banks are trying to convince customers that this kind of “protection” is useful. But getting hit with a $30 or $35 fee for purchasing a $4 cup of coffee may make consumers think again. Thus, it can be extremely helpful to not opt in no matter what the bank says.

It can also be beneficial for consumers to make a greater effort to avoid using out-of-network ATMs, the report said. This is because the fees for using one can grow quite large, particularly if they’re independent machines not associated with a major bank, like those consumers would see in convenience stores. In many cases, making a debit purchase at a major retailer will allow consumers to receive “cash back” with their purchase, no matter how big it is. Therefore, buying a pack of gum for 50 cents from such a location and getting up to $40 or $50 in cash back may be preferable to paying the fees of between $3 and $5 for using an out-of-network ATM.

Banks must also legally alert customers to any increases in the fees it charges, so it will be important for consumers to keep an eye out for letters from the institution to make sure they’re aware of what they may end up having to pay, the report said.

Luckily, consumer discontent with rising fees for bank accounts is already turning the tide. Bank of America’s plan to begin charging customers $5 for any month in which a debit card is used to make a purchase has already been reversed, and similar test programs from other such financial institutions have already been canceled.

 

 

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Bring household energy costs down with these tips

Published on May 28, 2012, by in Uncategorized.

Consumers likely spend a lot of money on their home’s monthly electric bill, but by taking the time to learn and

 

Look for this logo when considering your new r...

Look for this logo when considering your new roofing materials (Photo credit: Wikipedia)

 

implement a few money-saving measures, they can cut those costs by 10 percent or more.

 

While consumers can take drastic steps to save money on their monthly power bills, there are also a number of steps they can take to cut costs while altering their day-to-day lives very little, according to a report from the U.S. Department of Energy. The federal agency has released a series of public service announcements to help educate consumers about these money- and energy-saving methods.

 

“Americans spend about $2,000 per household on energy every year – but many of them could save a few hundred of that without changing their lifestyle,” said Energy Secretary Steven Chu. “Many American families can take simple steps to reduce their energy bill, while making their homes more comfortable, and use that money for something they really need or want.”

 

One way consumers can cut their energy costs without making any major changes to their lives is by replacing the light bulbs in their house with models that consume less power, the report said. By switching 15 older fixtures in a home to more efficient bulbs rated by Energy Star, consumers can cut their costs significantly in two ways. First, these bulbs use only 75 or 80 percent of the energy, and can save as much as $50 per year. But they also last about 25 times longer than traditional incandescent bulbs, meaning they need to be replaced far less often.

 

Similarly, about 20 percent of energy bills come from the use of home electronics and appliances, the report said. By swapping out older models that are nearing the end of their life for those rated by Energy Star, consumers can cut the cost of their power bill appreciably without doing anything differently.

 

Finally, investing in a programmable thermostat that increases or reduces the heat or cooling, respectively, in a home by 10 or 15 degrees while the family is at work or school can save consumers about 10 percent of their total energy bills annually, the report said.

 

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Credit cards can be better than Layaway

Published on March 7, 2012, by in Uncategorized.

Millions of consumers across the country are likely going to increase their monthly spending significantly after getting tax refunds but many may be unsure or even wary of the effects that this extra spending will have on their finances.

In many cases, consumers will fund their holiday gift-purchasing efforts with a credit card, and then pay that debt down over the course of a few months, according to a report from Tampa, Florida, television station WTVT. Fortunately, many stores are now returning to an old policy that many may find more suitable financially. The concept of layaway used to be quite popular among consumers before the credit card boom of the last few decades, but has fallen out of favor and been eliminated at many popular retail chains.

But now, as consumers have become more cash-conscious since the recent economic downturn, a greater number of stores are offering layaway as a payment option once again, the report said. And because it was gone for so long, many may not know the difference between this and making a purchase using a credit card. It’s really quite simple.

By paying with a credit card, a customer would be receiving the item at that time and then paying back the amount they owe as a result at a later date, and usually with interest added on. However, with layaway, a shopper would put a certain amount down – usually 10 percent of the purchase price of $5 at minimum – to essentially reserve the item, then pay the remaining balance over a short period of time until they have paid for the item in full.

Therefore, layaway may be a better option for those consumers who are looking to save money on their holiday gift purchases but do not have the cash on hand to buy everything they want right now. This is because it allows consumers to obtain an item, but pay for it before taking it home, and without racking up significant interest charges that can be difficult for many to afford.

However, some stores may charge extra for reserving an item, meaning that consumers will have to consider the cost of reserving an item in this way for a month versus what they would pay for putting it on their credit card given their unique interest rate.

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