Podcasts about payday loans

A Wisconsin tribe agreed to stop operating an online high-interest loan operation in neighboring Minnesota in a lawsuit settlement just announced. But the Lac du Flambeau tribe and several others still insist on their sovereign ability to operate the businesses, despite laws in several states working to prevent consumers from falling victim to interest rates that reach up to 800% in some cases. We'll talk about the struggle between tribes' ability to operate unrestricted payday loan business – and the ongoing efforts to regulate damaging loan businesses. GUESTS Miranda Lente (Isleta Pueblo), loan officer for Tiwa Lending Services Barry Brandon (Muscogee Creek Nation of Oklahoma), commissioner for The Muscogee Nation Office of Public Gaming Nathalie Martin, professor of law at the University of New Mexico School of Law

It's crucial to stay informed about the recent revision to the criminal interest rate cap, effective January 1, 2025. How will Canadians be impacted?  Doug and Ted provide insight into potential lending trends, emerging marketing tactics, unintended consequences, and how this change will impact the most vulnerable borrowers and secondary lenders in the future. Timestamps: (0:30) – Short explanation of the Criminal Interest Rate (2:40) – What is changing, and who does it impact? (3:30) – Payday Loans and Vulnerable Borrowers (9:20) – “Net Charge Off Rate” a rationale for high interest  (12:30) – The “dubious speculation part of the show that is not based on fact” (14:00) - Unintended consequences – predatory lenders pivoting (18:30) – Secondary lenders diversifying product lines? To what? (21:00) – Microloans, Insurance, Rent to Own, and more (28:00) – Heads up for new marketing tactics – Buyer Beware Learn more from Hoyes Michalos: Episode 491 of DFI30 (Thorough Background of Criminal Interest Rate) Payday Loan in Collection? What To Do Next Debt Repayment Calculator Debt To Income Ratio Calculator FREE Credit Rebuilding Course Sign Up for Our Newsletter HERE Hoyes Michalos YouTube Channel Hoyes Michalos Instagram Hoyes Michalos Facebook Hoyes Michalos TikTok Hoyes Michalos Twitter (X) Hoyes Michalos LinkedIn Straight Talk on Your Money by Doug Hoyes Find a Hoyes Michalos Office in Your Area Here Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized advice from a qualified financial advisor. Always consult with a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.

Starting January 1st, the criminal interest rate on predatory lending will be lowered, meaning it should be safer to take out payday and installment loans. But these businesses have a tendency to skirt the law, adding unexpected fees and insurance rates to keep borrowers in the hole.Sam welcomes Donna Borden to the show - an organizer with ACORN. She's been a victim to these loans, and is now fighting against them. Will the crackdown work and really help lower people's payments? How can we make short term loans a real option for people struggling, without the sky-high payments?Host: Sam KonnertCredits: Aviva Lessard (Producer), Sam Konnert (Producer), Caleb Thompson (Audio Editor and Technical Producer), Max Collins (Director of Audio), Jesse Brown (Editor), Tony Wang (Artwork)Guests: Donna BordenBackground reading:Debt struggles spark concerns - Toronto StarAnti-poverty advocates call payday lenders 'criminal,' urge feds to cap interest rates | CBCNew rules to curb predatory lending still leave many vulnerable - Globe and MailHow a $200 payday loan cost over $31,000 - CBC RadioSponsors: Douglas is giving our listeners a FREE Sleep Bundle with each mattress purchase. Get the sheets, pillows, mattress and pillow protectors FREE with your Douglas purchase today at douglas.ca/canadalandArticle is offering our listeners $50 off your first purchase of $100 or moreTo claim, visit article.com/backbench and the discount will be automatically applied at checkout.If you value this podcast, Support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. You can listen ad-free on Amazon Music—included with Prime. Hosted on Acast. See acast.com/privacy for more information.

Starting January 1st, the criminal interest rate on predatory lending will be lowered, meaning it should be safer to take out payday and installment loans. But these businesses have a tendency to skirt the law, adding unexpected fees and insurance rates to keep borrowers in the hole.Sam welcomes Donna Borden to the show - an organizer with ACORN. She's been a victim to these loans, and is now fighting against them. Will the crackdown work and really help lower people's payments? How can we make short term loans a real option for people struggling, without the sky-high payments?Host: Sam KonnertCredits: Aviva Lessard (Producer), Sam Konnert (Producer), Caleb Thompson (Audio Editor and Technical Producer), Max Collins (Director of Audio), Jesse Brown (Editor), Tony Wang (Artwork)Guests: Donna BordenBackground reading:Debt struggles spark concerns - Toronto StarAnti-poverty advocates call payday lenders 'criminal,' urge feds to cap interest rates | CBCNew rules to curb predatory lending still leave many vulnerable - Globe and MailHow a $200 payday loan cost over $31,000 - CBC RadioSponsors: Douglas is giving our listeners a FREE Sleep Bundle with each mattress purchase. Get the sheets, pillows, mattress and pillow protectors FREE with your Douglas purchase today at douglas.ca/canadalandArticle is offering our listeners $50 off your first purchase of $100 or moreTo claim, visit article.com/backbench and the discount will be automatically applied at checkout.If you value this podcast, Support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. You can listen ad-free on Amazon Music—included with Prime. Hosted on Acast. See acast.com/privacy for more information.

Are you considering taking out a payday loan? Think again. In this video, we break down why payday loans can trap you in a vicious cycle of debt that's hard to escape. With interest rates as high as 400%, one small emergency can snowball into a financial disaster. Learn why payday loans are NEVER a good idea and what smarter alternatives you can use to avoid falling into this debt trap. We'll cover: - What payday loans are and how they work - How payday loan interest rates quickly escalate - The payday loan debt cycle and why it's so hard to escape - Legal loopholes payday lenders use to bypass state regulations - Practical and effective alternatives like side gigs, payment plans, and budgeting tips Whether you're in a financial emergency or simply curious about the dangers of payday loans, this video is a must-watch. Don't get caught in the payday loan trap—take control of your finances with smarter solutions. Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve! **Support the Stream By Shopping at Our Store**  Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop  YouTube: https://www.youtube.com/@thefinancialmirror Rumble: https://rumble.com/TheFinancialMirror Facebook: https://www.facebook.com/thefinancialmirr0r X: https://twitter.com/financialmirr0r Instagram: https://www.instagram.com/thefinancialmirror/ Podcast: https://podcasters.spotify.com/pod/show/thefinancialmirror If you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/ #PaydayLoans #DebtTrap #AvoidPaydayLoans #HighInterestLoans #FinancialFreedom #MoneyTips #DebtFreeJourney #PersonalFinance #SideHustleTips #BudgetingTips #FinancialAdvice #PaydayLoanAlternatives #MoneyManagement #DebtRelief #FinancialLiteracy --- Support this podcast: https://podcasters.spotify.com/pod/show/thefinancialmirror/support

In this episode of The Brother Next Door, I talk about Payday loans and why it is best to avoid them at all cost. "Payday loans are but one of many financial techniques - from overdraft fees to student loans subsidizing for-profit colleges - specifically designed to pull money from the pockets of the poor. This problem generally goes unrecognized by policy makers.' -Matthew Desmond If this is your first time listening, welcome to The Brother Next Door Podcast where we have conversations about finance, personal development, and skills to get young adults further in life. We cover these topics by sharing our own personal experiences and bringing people on to the show to provide different points of view. Then at the end of each episode, we will give an overview of what we went over and the steps you can take in order to be in a better position in your young adult journey. IG: Podcast: @brothernextdoorpodcast Latrell: @latrell.carter --- Support this podcast: https://podcasters.spotify.com/pod/show/brothernextdoor/support --- Support this podcast: https://podcasters.spotify.com/pod/show/brothernextdoor/support

Chester wrote in for some guidance - his financial circumstances lead him to take out payday loans. Erin has some surprising advice for him and for anyone who is desperate to cover their monthly expenses. Tune in to hear how Chester's journey to financial freedom is just beginning, with the help of the Get the Hell Out of Debt course and support of the online community.  To apply for sponsorship into the Get The Hell Out Of Debt online course, click here and scroll to Sponsorship Opportunity: https://www.erinskyekelly.com/get-the-hell-out-of-debt-course  THANK YOU to our generous sponsors! You are the reason Chester - and so many others - are here.  info@erinskyekelly.com  _______________________________

In this special crossover episode of The Consumer Finance Podcast and the Payments Pros Podcast, Chris Willis and Josh McBeain are joined by colleagues Mark Furletti and Jason Cover to delve into the CFPB's Payday Loan Rule, which is set to become effective again following a Supreme Court decision. The discussion unpacks the broad scope of the rule, extending beyond traditional payday loans to include various financial products. The episode highlights the complexities of compliance, the nuances of the rule's definitions, and the critical steps lenders must take before the March 30, 2025, compliance deadline. Don't miss this insightful conversation on navigating the revived regulatory landscape.

In this episode, Doug and Ted address the growing issue of payday loans among seniors, highlighting factors such as fixed incomes, rising living expenses, and predatory lending practices. They also discuss the financial strain of supporting adult children and the risks associated with co-signing loans. Tune in for practical advice on managing debt, avoiding scams targeting seniors, and navigating financial challenges in retirement.   Time Stamps: 00:00 Introduction 01:48 Why are payday loans a problem if you are a senior? 04:03 How does a senior end up in debt? 05:45 Payday loans and rapid loans 08:10 Seniors supporting their adult children 10:38 Seniors carrying debt into retirement 11:54 Practical advice 12:30 How can you tell if your parents are in debt? 15:13 How to retire with no debt 21:12 Seniors and financial scams 22:55 Co-signing loans for friends and family 25:00 Should seniors' cash in their RRSP to pay off debt? 27:15 Should seniors file a consumer proposal or bankruptcy? Related Links: Seniors Turning to Payday Loans a Scary Trend - https://www.hoyes.com/blog/seniors-turning-to-payday-loans-a-scary-trend/ Debt relief for seniors. What are your options? - https://www.hoyes.com/blog/debt-relief-for-seniors-what-are-your-options/ Do Senior Citizens Need to File Bankruptcy? - https://www.hoyes.com/blog/do-senior-citizens-need-to-file-bankruptcy/ Seniors – A Small Group Carrying High Risk Debt - https://www.hoyes.com/blog/seniors-a-small-group-carrying-high-risk-debt/ Seniors in Debt and Filing Bankruptcy - https://www.hoyes.com/press/joe-debtor/seniors-and-bankruptcy/ Managing Money in Your Golden Years - https://www.hoyes.com/newsletter/managing-money-in-your-golden-years/

Trump's lawyers make a bevy of unforced errors as their client continues to march ever closer to a conviction in New York for fraud in concealing the payoff payment to Stormy Daniels. Also, the Supreme Court surprises us, sort of, for now, by not sacking the Consumer Financial Protection Bureau and by allowing a Louisiana congressional map to go into effect that doubles the minority representation in that state.   Links: 12 U.S.C. § 5481 et seq. https://www.law.cornell.edu/uscode/text/12/chapter-53/subchapter-V CFPB Initial Report, July 18, 2011 https://files.consumerfinance.gov/f/2011/07/Report_BuildingTheCfpb1.pdf   2023 Pew Research on Payday Loans https://www.pewtrusts.org/en/research-and-analysis/articles/2023/06/02/payday-loans-and-overdraft-a-short-history-and-whats-next “How Payday Loans Work” https://paydayloaninfo.org/how-payday-loans-work/ Bankrate's Emergency Savings Report https://www.bankrate.com/banking/savings/emergency-savings-report/ Alito protest flag https://www.nytimes.com/2024/05/16/us/justice-alito-upside-down-flag.html?smtyp=cur&smid=bsky-nytimes CFPB v. CFSA https://www.supremecourt.gov/opinions/23pdf/22-448_o7jp.pdf Landry v. Callais Application for stay https://www.supremecourt.gov/DocketPDF/23/23A1002/309522/20240510115206439_Landry%20v.%20Callais%20-%20Emergency%20Stay%20App-FINAL.pdf Opp https://www.supremecourt.gov/DocketPDF/23/23A1002/309633/20240513120736126_COMBINED%20DOCUMENT.pdf Jackson dissent https://www.supremecourt.gov/opinions/23pdf/23a994_7mip.pdf New York Penal Law § 175.10 https://codes.findlaw.com/ny/penal-law/pen-sect-175-10 Order on Motion in Limine to exclude Smith https://www.justsecurity.org/wp-content/uploads/2024/03/Just-Security-NY-2016-Election-Interference-Case-Clearinghouse-Order-on-State-of-New-York-motions-in-limine-March-18-2024.pdf New York Rule 6.11 https://www.nycourts.gov/JUDGES/evidence/6-WITNESSES/6.11_Impeachment,%20when%20authorized.pdf Show Links: https://www.lawandchaospod.com/ BlueSky: @LawAndChaosPod Threads: @LawAndChaosPod Twitter: @LawAndChaosPod Patreon: patreon.com/LawAndChaosPod

Absolute dirtbag but actually a pretty good racecar driver. Support on patreon! patreon.com/historybuffs228

We learn more about payday loans and proposed legislation to further regulate them in Wisconsin. Then, a tech industry expert explains how Spotify adding audiobooks will affect authors and publishing.

This week’s edition of Food Friday focuses on maintaining the spices in our kitchens. Then, we learn more about payday loans and proposed legislation to further regulate them in Wisconsin.

This show is made possible by you! Help us meet our year-end goal to raise $25,000, the cost of producing an episode. The next 25 people who donate will receive a free digital & print subscription to The Nation.  Please make a year-end donation => https://LauraFlanders.org/donateDescription: Can we turn our insecurity into power? Consumer debt stands at $17.29 trillion and many Americans are drowning in debt, with the average household owning over $100 thousand. The climate crisis, threats to democracy, and global wars add more worry to our already stressful lives. In her new book out from House of Anansi Press, “The Age of Insecurity: Coming Together as Things Fall Apart”, writer, filmmaker, organizer, and the 2023 Canadian Broadcasting Corporation Massey Lecturer, Astra Taylor uses mythology. psychology and the history of capitalism to break down the different kinds of insecurities we face, and explore how our insecurities help capitalism flourish. Without it, the system would cease to function, she says. In her years of work as Co-Founder of the Debt Collective, which emerged from Occupy Wall Street, Taylor has used debt as a tool for bringing people together and organizing. She is the author of The Age of Insecurity: Coming Together as Things Fall Apart, Democracy May Not Exist But We'll Miss It When It is Gone, and The People's Platform (winner of the American Book Award), and the director of What Is Democracy?, among other books and films. In this wide-ranging discussion, Astra Taylor and Laura Flanders discuss the history of capitalism, the rights of debtors, and what we can do to lessen insecurity and expand security both as individuals and as a society. All that, plus a commentary from Laura.“There is a debate here about motivation and what motivates us, and we are constantly being told that if people are too secure, that society's going to collapse and that we can't afford to invest in other folks. And I really want to challenge that idea.” - Astra Taylor“. . . When you start talking about [debt] with others, you realize you're actually in the same boat and you start coming together to demand change, to demand debt cancellation, to demand the provision of these public goods. Debt actually can become a source of power.” - Astra TaylorGuest:  Astra Taylor: Co-Founder of the Debt Collective & Author, The Age of Insecurity Full Episode Notes are located HERE.  They include related episodes, articles, and more.Music In the Middle:  “Positivity” by Outside from their album Almost In courtesy of Dorado Records.  Additional music included- "Steppin," by Podington Bear. 

Kevin and Kieran discuss the news that the takeover of Carlisle United has been completed, and find out why Watford have taken out a corporate payday loan from Macquarie. COVERED IN THIS EPISODE: - Everton - Carlisle United - Nuneaton Borough - Peterborough United - QPR - Lincoln City - Watford and Macquarie - West Brom - Women's FA Cup sponsor - Women's football revamp Follow Kevin on Twitter - @kevinhunterday Follow Kieran on Twitter - @KieranMaguire Follow Producer Guy on Twitter - @guykilty Follow The Price of Football on Twitter - @pof_pod Support The Price of Football on Patreon: https://www.patreon.com/priceoffootball Check out the Price of Football merchandise store: https://the-price-of-football.backstreetmerch.com/ Visit the website: https://priceoffootball.com/ The Price of Football is a Dap Dip production: https://dapdip.co.uk/ contact@dapdip.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices

Check out these fun things: Patreon: ⁠https://www.patreon.com/calebhammer⁠  My socials: ⁠https://linktr.ee/calebhammer⁠  Do you want to be in a Financial Audit and you're in the Austin area? Email castingcalebhammer@gmail.com Sponsorship and business inquiries: calebhammer@creatorsagency.co  _______________________  Timestamps: 00:00 Job and income 05:26 We don't BS here 11:07 SONDERMIND 12:42 Let the spending begin 20:33 You can't afford my MERCH! 25:43 He does this while living with his parents 33:17 What is this phone bill? 34:32 This is just gross 36:43 You need to budget 43:17 You have no excuse for debt 44:32 SOFI 46:55 Getting out of debt 52:16 Hammer Financial Score --- Support this podcast: https://podcasters.spotify.com/pod/show/calebhammer/support

Fintechs created earned wage access so cash-strapped employees could get an advance on their next paycheck to cover urgent expenses. Some say repeat usage of fee-based EWA resembles a payday loan, sparking debate over whether regulators should call EWA a loan. 

How can payday loans destroy you financially? In today's episode you will learn how payday lenders can charge over 600% APR for your payday loans and what you can do to avoid the trap that is payday lending!  In the story today, Jay shares how his bowling coach had to teach him how to relax - something he really had to do differently. How does this relate to finances? The budget tip of the day is to have a sinking fund for your taxes and not withold too much from your paycheck. This gives the government a loan from you with no interest! The listener question asks what to do when you are maxing out your retirement. Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!  Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.  Our Website: HopeFilledFinancial.com  Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

On this week's episode of Networth and Chill I'm talking all things financial scams. I'll be breaking down some of the most common money scams, including Payday Loans, Venmo Scams, and of course Ponzi schemes and MLMs. Some of these might not seem like scams on the surface, but I'm here to tell you how these situations can swindle you out of your hard earned money. And I'll be talking about one of the biggest scams of them all, Identity Theft. I'll give you a step-by-step guide for what to do if your identity gets stolen, and give you the tools necessary to undo the damage done and get your financial life back on track. Here's who to contact if you are a victim of identity theft: The Federal Trade Commision - identitytheft.gov One of the following credit bureaus: Equifax (1-800-525-6285), Experian (1-888-397-3742), or TransUnion (1-800-680-7289) Got a financial question you want answered on a future episode? Text me or leave me a voicemail at 908-858-3410. Special thanks to our sponsors: Olive and June: Use my link to get 20% off your first Mani System. ZocDoc: Use my link and download the Zocdoc app for free.

Travis Moody, founder of Forward Memphis, a new non-profit designed to help folks move forward in their financial lives by breaking the entrapment of payday loans. Many payday loans trap you with their high interest rates, from 300%-500% annually.

Today, The Two Mikes spoke with the spokesman of one of our sponsors Gordon Oliver from Cambridge Credit Counseling Corporation, which is a non-profit organization. Mr. Oliver said that, as we all know, there is growing tension in the country as Americans worry about what the Biden administration is doing to steadily weaken our economy, as well as what the Supreme Court will decide about Biden's desire to unilaterally forgive student loans. The court already has ruled against the plan once, and its next decision on the issue is likely to be rendered in the next few weeks. If the Court again rules against a second, Americans with student loans can expect to be required to resume paying their loans 60 days after the Court's decision. Mr. Oliver noted that this is a very serious moment for people without much wiggle-room in their budget, as $350 or more may be added to a person's or family's monthly budget if Biden fails, even as the cost of other monthly expenditures steadily rise. He spoke frankly about the dangers of dealing with companies that offer debt-relief help on "special" late-night deals on television, those who offer pay-day loans, on which interest can be 30-percent or more; and banks where interest rates of loans for people with debt problems could be up to 20-percent. He also said that an attempt to acquire new lines of credit to pay for student or other loans could hurt a person's credit score because the credit agencies are knocking 35 points on loan-seekers' credit score for each line of credit they seek to establish. Over all, Mr. Oliver concluded, it would safer for a person worried about student loans and/or the monthly cost of living to get advice from Cambridge regarding their options on how to set up a monthly budget that best fits monthly income, and, perhaps most of all, to discuss these matters with a well-established company that treats those interested in its services as adults who are capable of building their own economic security with a little calm, timely, and common-sense help.Sponsors CARES Act Stimulus (COVID-19) Employee Retention Tax Credits (ERC): https://www.jornscpa.com/snap/?refid=11454757Cambridge Credit: https://www.cambridge-credit.org/twomikes/ EMP Shield: https://www.empshield.com/?coupon=twomikesOur Gold Guy: https://www.ourgoldguy.com www.TwoMikes.us

In this episode: The IRS is still revealing plans for the $80B of Congressional support. We review what amended returns are and the current IRS processing timelines. The next due date for estimated taxes are June 15th.   We discuss why timely estimated tax payments are so important. The possible add-back of Maryland State Taxes paid on Federal Returns. We also hear the white-collar crime story of Scott Tucker, a man who seemingly had no compassion for his fellow man.  Scott opened several Payday Loan operations, with aggressive underhanded tactics designed to trap borrowers, many of whom were already living paycheck to paycheck, into a never-ending spiral of debt.  He also used Native American tribes to conceal his ownership while he bought luxury homes, a private plane and an entire race car team. 

When a New York doctor tweeted recently about “payday loans” for doctors from a branch of UnitedHealth Group — which operates the giant insurance company UnitedHealthcare — we were intrigued.Especially when we saw that the loan product — a “cash flow solution” for health care providers — was real.The doctor's tweet essentially accused UHG's insurance arm of causing cash flow problems for providers in the first place, by denying claims and delaying payments — which echoes complaints we've heard over the years, and which the original tweet called “genius” — as in Evil Genius. When the boss who's paying you late offers to front you money, at interest, to tide you over, it does sound like… a conflict of interest.It turns out, because UnitedHealth Group is such a big, complex enterprise, it's not quite that simple. But UnitedHealth Group's size and complexity turns out to be the story. The company has grown into a “behemoth,” running the country's biggest insurance company, and becoming the biggest employer of doctors, while also running big parts of the business-side back end for big chunks of the health care ecosystem. As one expert told us, “There's very little good news about what happens when these organizations. or these sectors of health care get bigger.” Costs and prices tend to go up, without a bump in quality.And regulators, we learned, have struggled to keep up. It's a wild ride with a sobering conclusion — and very much worth taking. As the expert who labeled United a behemoth wrote: “United has grown to its present immense scale largely without public knowledge.” Now we know. And knowledge is the beginning of power. BONUS TIP: This story reminded us of themes and insights from novelist, journalist, and activist Cory Doctorow, especially his recent book Chokepoint Capitalism and his recent essays about the “enshittification” of online life.We also like Cory's novels a lot, and have learned a ton from them. They're often called science fiction, but the tech is usually present-day, or about a month into the future. His latest, Red Team Blues, is a smart, fun techno-thriller. Here's a transcript of this episode. Send your stories and questions. Or call 724 ARM-N-LEG.And of course we'd love for you to support this show. Hosted on Acast. See acast.com/privacy for more information.

FREE help is available to help with your rent, pay for groceries and child care assistance -- but you have to ask.  McKenzie Walsh, certified financial counselor at NeighborWorks Salt Lake, says if you don't know how to fix your car you go to a mechanic.  You should think of your finances the same way -- but payday loan centers are predatory and will steal even more of your money. Susan Speirs, CEO of UACPA, says using a pay day loan center will cause more financial stress in the future than you are dealing with right now.  You can reach out to 2-11 Services by phone, email or text and also Housing and Urban Development for help. You can follow this show on Instagram and on Facebook. And to see what Heather does when she's not talking money, go to her personal Twitter page. Be sure to email Heather your questions and request topics you'd like her to cover here.  See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Today, Rabbi Joshua shares the wisdom and thoughts of Matthew Desmond, Professor of Sociology at Princeton, who has a new book called Poverty, By America. His previous book, Evicted: Poverty and Profit in the American City, won the Pulitzer Prize. Learn about the billions of dollars collected each year from the poorest Americans by the fees and interest rates they get charged. The "War on Poverty" has been an abysmal failure, but there are some basic solutions to finally winning, and ending systemic poverty in our country.Learn more about Professor Desmond and his books:https://matthewdesmondbooks.comLearn about FID's Eviction Prevention and Rental Assistance Program:https://friendsindeedpas.org/programs/eviction-prevention-and-rental-assistance/

Sorry about the long layoff... I was sick with COVID :( In today's episode, I discuss how since Elon took over, it has been impossible to do my "The Notorious Banker" work because of people trolling Elon, BofA for lending Elon and a bunch of pointless convos. It seems hard to get a couple of simple things completed, especially when it comes to helping people. Then, I briefly talk about Wells Fargo offering a short-term loan product, which can be $250 or $500. I discuss how the criteria used to approve you for the loans seems broken as all hell. I also discuss how they possibly might not report to the credit bureaus which makes no sense to lenders. It mimics a BofA product which recently came out, and it is just as bad, if not worse! (Article about Wells Fargo Loan Product in Charlotte Observer) Finally, a final rant about SBF and FTX. Why I feel no sympathy for those who lost money, because they were basically playing all-in poker with their life savings every day with a volatile crypto market... I expand on that briefly in the segment. NB Has recovered over $3.7 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ Followers on TikTok, Twitter and Instagram Buy My Book "High-Risk Transaction" Find all my social media and other links at: TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!) MY PATREON Page! For as little as $1, you can help James in his fight against big banks. http://patreon.com/NotoriousBanker --- Support this podcast: https://anchor.fm/thenotoriousbanker/support

A big, big, big, big, big, top, top, top, top day for all at Sports Horn towers.Our new king, His Majesty King Charles the Third is visiting the radio station to put his regal digits in some wet cement, and Ian and Anthony will be finding out the nation's most sexually prolific first name. All of this thanks to our new sponsor, Daft Tracy's Payday Loans!Sports Horn will return same time next Tuesday, where the team will be getting their tarots on! Sports Horn is a brand new sitcom hosted by comedians Anthony Richardson and Mark Davison, best known collectively as the popular online sketch duo 'The Exploding Heads'. Tell all your friends, and make sure to give them those all-important five stars wherever you stream your podcasts, which will allow us to make more shows! Sports Horn is a Stak Production. Hosted on Acast. See acast.com/privacy for more information.

J. Money of Budgets Are Sexy compares payday loans to credit cards Episode 1992: Payday Loans vs. Credit Cards by J.Money of Budgets Are Sexy J. Money is a 6'1, hyperactive, rock a ‘hawk who loves drinking beer, blaring hip-hop, talking about money, and now playing with his two adorable baby boys. He tracked his expenses for 3 months, made a budget, read some books, and stumbled into personal finance blogging and idea sharing, randomly turning BudgetsAreSexy.com into his full time “real job” a few short years later--14 million views later! The original post is located here: https://budgetsaresexy.com/payday-loans-vs-credit-cards/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

411MANIA.COM reporter Lee Sanders reviews the AEW Battle of the Belts III full show edition for August 6th 2022 edition as Wardlow, Claudio Castanogli, and Thunder Rosa defend their respected championships on this AEW Special!!!===SUPPORT THESE SPONSORS BELOW AS THEY SUPPORT OUR SHOWS===THEPEOPLESTORECOMPANY.COM VIA https://www.thepeoplestorecompany.com/INCREDIBLE AND AFFORDABLE PRICES ON YOUR FAVORITE ITEMS ARE JUST A CLICK AWAY AT THEPEOPLESTORE.COM IN THE MARKEY FOR A SMARTPHONE? CLOTHES FOR HIM OR HER? MAYBE CHILDREN'S FASHION? UPGRADING YOUR TV & HOME CINEMA?LAPTOPS, TABLETS, CAMERA DRONES, FURNITURE AND MORE AWAIT YOU! SEEKING AN OPPORTUNITY MAYBE TO BE YOUR OWN BOSS, WORK YOUR OWN SET SCHEDULE, WHILE BEING PART OF A GREAT COMMUNITY AND MOVEMENT? THEPEOPLESTORE IS HIRING AND LOOKING FOR GOOD, HONEST, AND HARDWORKING LIKE YOU!INFINATERELIEF.COM VIA https://infinaterelief.com/ Do you have chronic neck pain? Then try the new 3-Level Neck Pain Relief Pillow from InfinateRelief.com. The Relief Pillow is made to help realign the vertebrae's inside your neck, as well as maintain a healthy amount of cartilage in-between each vertebrae. The 3-Level Neck Pain Relief Pillow is 54% off for the entire month of August!LENDING-MACHINE.COM VIA https://lending-machine.com/DON'T LET THE SHORTAGE OC CASH STOP YOU FROM LIVING YOUR DREAMS, AND GIVING YOURSELF A BETTER PEACE OF MIND. LENDING-MACHINE.COM IS THERE TO HELP! WHETHER YOU NEED A PERSONAL LOAN, A PAYDAY LOAN, TITLE LOAN, REGISTRATION LOAN, WITH AUTO REFIANCING OR VEICHLE INSURANCE, LENDING-MACHINE.COM IS THEIR TO LEND YOU A HAND WITH GREAT LOW RATES ON ALL LOANS, AND FLEXIBLE REPAYMENTS THAT WON'T HURT THAT NEXT PAYCHECK!SUPPORT THE SHOW FOR EVEN MORE GREAT, NEW, AND EXCLUSIVE CONTENT! PATREON: patreon.com/rcwrshow​​​​LISTEN THE RCWR SHOW ON THE FOLLOWING PLATFORMS:AMAZON MUSIC & AUDIBLE! https://rebrand.ly/jdt4b9vITUNES: https://rb.gy/rsax57PANDORA! https://rb.gy/3v3oc8iHEARTRADIO: https://rb.gy/j0isjnSTITCHER: http://bit.ly/1yByytu​​​​TUNE IN: https://tunein.com/podcasts/Sports--Recreation-Podcasts/The-RCWR-Show-with-Lee-Sanders-p534304/===========================FOLLOW THE RCWR SHOW ALL THROUGHOUT SOCIAL MEDIA!!!http://www.twitter.com/TheRCWRshowhttp://www.Twitch.tv/RCWRshowhttp://www.YouTube.com/THERCWRSHOWhttp://www.instagram.com/THERCWRSHOWhttp://www.facebook.com/THERCWRSHOW

John Delony & George Kamel discuss: Taking a tax hit to convert your IRA, The dangers of payday loans, Deciding to start a business or work for someone else, Should you take a year off to travel. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6