Summertime Fun on a Budget

Summertime fun on the cheap

Saint Louis area residents are truly fortunate.

We have a great mix of summertime fun to take advantage of, both in  the rural and metro areas.  Whether you like your activities in or out of doors,  under trees  or under a roof. you should be able to find recreation that suits you.  And as an added bonus, there is so much to choose from that is nearly free.

 

Clicking Here for 93 free fun things in Saint Louis area

And if that were not enough, notice that many of them are geared for families.  For a more exclusive kid friendly list try this:
http://www.stlparent.com/story/17-free-and-almost-free-ways-entertain-your-kids-st-louis-summer

We are fortunate as well to have great vibrant cities nearby with their own activities.  Chicago comes to mind, but even parking is expensive there.  Why not try Indianapolis?  Very exciting place with a great downtown area that St. Louis could learn about redevelopment.  Did you know That a $35 ticket would put you on the grass infield at the Indy 500, and parking is free!  Get it on the schedule for 2017.  Ever been to Kansas City?  Lots of outside walk around activities, great music scene, and even nearer than Indianapolis.

 

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The week we begin to Save Time (and money).

Was it a difficult to save Monday morning with yesterday’s changing of the clocks to save time?

Hope not. But if so, know most people really feel better with sunshine later into the evening.  And also know we are not alone in the world wheSave Time and Money beginning now-n it comes to Daylight Saving time.  Check out the link below to see the variations in the practice worldwide.
http://www.timeanddate.com/time/dst/2016.html

Nearly everyone looks forward to the big Spring Forward clock change.

 Who can argue with getting that extra hour of useable daytime after work?  But why do we do this semi annual ritual?  Interesting article here that addresses it as a money saving issue.  Planning something fun for those first longer evenings?  Let us know if we can help.  Click here for some great trivia about the great annual time change- http://wgno.com/2015/02/22/time-to-spring-forward-why-do-we-change-our-clocks-for-daylight-saving-time/

How did we get in to the habit of Daylight Saving time?  Why do we do it?  It began as an effort to save money and energy. The are many interesting things about the practice of the clock change which most are not aware.  Want to look smart at work next week?  Follow this link to learn more about it all-http://health.usnews.com/health-news/living-well-usn/articles/2012/03/12/12-things-you-probably-didnt-know-about-daylight-saving-time

It could be that you are one of those that have difficulty with the time change.  Or are just disturbed by having to wrestle with changing the clock on your 30 year old VCR?   You should know that you are not alone, here in America or even worldwide. You may be surprised to find the many methods to save time are implemented around the world.  Follow this link to learn more about it all-https://en.wikipedia.org/wiki/Daylight_saving_time

So what about Saving Money?

 Well, that involves some person choices you make about your financial resources.  Thankfully spring brings some opportunities of it’s own by allowing us lower utility bills between heating and A/C seasons.  We hope you use the seasonal break to payoff some lingering bills.  And finally, remember that our purpose is helping families stretch to the next paycheck.  And we do it for less than others, saving you money for other things you really can use.

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Smart Payday Loan User, not Consumer Advocate.

Payday Loan are useful credit tool.

It is amazing to watch payday loan detractors speak with such authority while not standing on facts. Or worse, standing on made up facts and fabrications.

Starting with one of their most basic assertions that a Payday Loan leads to a cycle of debt. Please ask them to explain how the least costly option for someone urgently needing access to cash cause them to be trapped in debt? The least costly method (payday loans) should provide the path out of the trap.  If a borrower can not pay off a loan, then they would also have even less hope of getting their bank account into a positive balance as the banks charge even greater fees, fees which could go toward paying off the principle of the loan.
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Bureaucrats smarter about your credit choices?

Credit choices should be limited by government officials?

Should Credit choices be limited by Bureaucrats?  Are elected officials smarter than consumers regarding how to borrow money?

RE: Credit –From the March 26th 2014 Senate Banking Committee Hearing: “Are Alternative Financial Products Serving Consumers?”

 

“God forbid we let people decide what is the most sensible thing to do in the circumstances they face,” said Sen. Pat Toomey (R-Pa.), during the hearing. “There is a breathtaking, underlying arrogance in the presumption by wealthy people who have never been in those circumstances that they know better than those people who make these foolish decisions and borrow money from these institutions.”
Toomey speaks for many Republicans, and some Democrats, who are uneasy about the prospect of the government limiting the number of payday loans Americans can take out at a time.

Thankfully Senator Toomey understands that people need choices and they are smart enough to make them on their own.

Lending regulations require labeling and disclosures to be given throughout any loan agreement.  That includes our payday loan and cash advances.  Payday loans in Missouri are subject to the same promissory note regulations and requirements as all normal installments loans.   It seems a dubious claim that Consumers doesn’t understand how such loans work.  They would almost have to willfully declined every opportunity to read repeated disclosures or ask questions about the loan.

Payday loan borrowers are adults. They are capable of making choices on their own knowing what is best for their situation. Being adults also means taking care of problems that arise in life, including making the wrong choices. But wrong choices for some adults are choices well suited to others.  Why should we require regulation to eliminate a choices that can not be universally handled correctly by everyone in society.  That type of thinking would bring back Prohibition from the 1930’s.  How many bad choices with severe consequences have come from less-than-smart decisions due to alcohol?

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Small dollar lending necessary, Florida Banking Commissioner

Consumern lending choices to get a loan may be preserved

From a recent interview with Drew Breakspear Florida’s banking commissioner, featured in American Banker;

As a former bank executive with stints at State Street (STT), First Nationwide Bank and Citibank (NYSE: C), he often interacted with regulators. So Breakspear, who became Florida’s top bank regulator in 2012, has tried to make his office more effective and efficient and to speak out for regulation that doesn’t stifle innovation or hurt smaller

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