Pay Day Loans

Don't worry about having a bad credit rating when applying for pay day loanshere. If you are employed and have a checking account, you will most likely be approved for $1500 cash advancesin under 24 hours. See if you meet our and apply online today!

Fast Pay Day Loans

On Personal Finance | Do-it-yourself is the way to go

If you've worked for a big corporation, you've probably looked on with a mix of amusement and disgust as the bosses chased one fad after another.

One day they're chasing "synergies" by rolling out products that have little to do with the main business.

Then they reverse course to get back to their "core competencies" - whatever made them successful in the first place.

Often, the folly of flip-flopping is obvious to the younger, hipper employees who understand the changing marketplace better than the older folks in charge.

So a lot of employees at American Express and Citigroup must be shaking their heads this week.

A few years ago, both companies bought into the fad of the day - the idea of the one-stop financial supermarket. Now they're changing course.

American Express announced Tuesday it would spin off its financial-advice business to focus on its core competency, credit cards. A day earlier, Citigroup said it would sell its insurance and annuity business to MetLife.

Citigroup was formed by the late-1990s merger of Travelers Group, an insurance and brokerage company, with Citicorp, which specialized in banking and credit-card products.

One-stop shopping

This and similar moves at other companies were designed to offer customers one-stop shopping for financial services. Customers, it was thought, would get mortgages and insurance from the same company that held their brokerage accounts.

Not everyone thought that would happen. At least one commentator asked, "Is this something ordinary consumers really yearn for - or need?"

That was me, in an April 1998 column. My point back then was that consumers ought to shop around for various financial services, and that doing so would only get easier with the Internet.

It has.

There's just no reason to get a mortgage, life insurance and credit cards from the same company that provides your mutual funds. You should look for the best deal with each.

What I did not foresee were the scandals that would hit the insurance, mutual-fund and brokerage industries.

At the heart of all those was conflict of interest. Customers who sought investment advice from their financial supermarkets were too often steered to the company's in-house mutual funds, even if competitors' funds would suit them better, for example.

Read more.

When financial trouble strikes, turn to us for a secure, quick paydayloan. We provide our customers with: generous cash advances of up to $1500 for first-time lenders; secure, simple online cashadvance application; rapid response to all applications with quick approval; no hassle instant direct deposit of all cash advances and round-the-clock customer support. If you are a U.S. resident who earns at least $1,000 a month and has a bank account, chances are that you will be approved for a no fax pay day loan.