Jos Coffee Blog

Title: Advantages of Bad Credit Car Finance

May 29, 2009 at 4:11 am · Filed under Uncategorized

Payday Advance Loans Work Via Online Lenders

May 29, 2009 at 4:11 am · Filed under Uncategorized

If you are faced with a financial dilemma that needs to be settled immediately, you can use your next paycheck as security in borrowing money from a lending institution. A Payday advance is a short term loan that does not require for you to have a good credit rating, nor collateral as guarantee. Your next paycheck is enough guarantee that you can pay your debt.

With your paycheck as your security, the loan term of a payday advance is usually up to two weeks – that is until you receive your next paycheck. But since this is a short term loan, the interest that a loan is usually higher.

The APR or annual payment rate of a payday
advance loan usually reaches up to 400% depending on the amount borrowed. The payday advance loan is therefore not advisable for individuals who need to borrow huge amounts. Moreover, a borrower has to educate himself about this type of loan before deciding on applying for an advance loan.

Requirements in getting a payday loan

Lenders will only require you to fill in information on their application forms and documents and answer a few questions. This process can be easily accomplished, making everything much easier for the applicant. This also hastens the processing of your payday advance. In addition, the approval process is also fast. Your payday advance loan can be granted overnight – and you can access the amount from your account. Many people are going for the cash advance because of the easy approval and application process.

The cost of getting a cash advance loan

Borrowers however should always take note of how much the payday advance can cost them in the long run. If the financial need is not that urgent – if it can wait until the next payday comes, borrowing through one may not be worth it.

An emergency such as an unexpected bill due to a medical emergency or an immediately-needed car repair can be taken care of. There are payday advance loans that are offered by many lending companies. They can give you the money while you are waiting for the next payday.

The big picture

When you look at the big picture, a payday advance loan can be the perfect solution for your urgent financial needs. But one should always think twice as there is a downside to this type of loan. Since a payday advance loan is a short term loan, it can be quite expensive. A borrower should always weigh his options when it comes to advantages and disadvantages.

In any case, an advance loan is still very popular since it is easy and quick to obtain. The processing takes place within the day, therefore, the urgent needs are immediately met. If you apply online for loans, the money will be in your account in a span of several hours.

Therefore, this type of finance is a great quick fix, but not necessarily a good long term solution. You should be wary in choosing a lending company as well. The best advice is still: pay your loans on time, all the time.

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Payday Loans For Emergency Financial Situations

May 29, 2009 at 4:10 am · Filed under Uncategorized

Payday Loans can be the fast solution to any borrower’s financial needs. These can come from online sources. Borrowers should check for the lowest rates before choosing just any kind of place to get their payday loans. These online sources usually come with fees similar to traditional banks but with interest rates that are more steep than normal. Borrowers should always keep the interest rates in check before they decide to take out a payday loan.

For borrowers with no credit rating who want to take out a loan, they can opt to avail of the cash advance. They should be totally aware of what they are getting themselves into before taking out the loans. They can be used in emergency cases when a person does not have an emergency fund prepared. These types of cash loans are called payday advances.

Payday Loans: What You Else Can You Do

Borrowers can look to other sources besides the advance loan. Borrowers can start by preparing an emergency fund through their savings account in their chosen bank. Placing aside at least ten percent of their monthly income can help them when the need arises. An emergency fund will allow borrowers to be more prepared to meet their needs financially.
Borrowers can also use their own homes as an alternative source of income. Borrowers could sell some of their belongings that they do not use anymore instead of taking out finance. Paying debts as soon as possible without the need to borrow more money elsewhere is the best scenario for any borrower.

Borrowers can choose from several sources such as borrowing from relatives or employers, as well as asking for an extension from their lender. Asking your employer for a cash advance can be seen as a loan but without the additional fees. Borrowers should take note that getting this kind of payday cash advance will be deducted from their next paycheck.

What to keep in mind when getting Payday Loans

Consumers should always read the contract they are signing when taking out no payday loans. Certain legalities, such as terms and fees, should be understood by any potential borrowers before they decide to take out the funding. Payday loans should be used only in emergencies since they may end up costing more. Borrowers should also only take out no payday loans with the exact amount they absolutely need. Borrowing anything more than what is needed is just another way to increase debt that can turn to be a problem in the future.

Don’t borrow just to buy something you don’t really need. If you really want it, you can always save up for it and buy it next time. It’ll always be better for yourself as well as your bank account if you practice a little prudence in your spending. Who knows? You may even end up saving more than you’ll need. Then you can buy something you really want without borrowing money.

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Urban Assault Bike Race makes a stop at Jo’s

June 5, 2008 at 11:40 am · Filed under Uncategorized

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Green Corn Project Spring Benefit @ Downtown Jo’s Memorial Day 2008!

May 20, 2008 at 1:06 pm · Filed under Uncategorized

Jo’s will be hosting www.greencornproject.org for their Spring Fundraising Benefit this Monday, May 26th from 5pm - 8pm on the patio with live music from two of Austin’s Alternative country greats, The Lonesome Heroes (6-7pm) www.thelonesomeheroes.com and Chris Brecht (7-8pm) www.myspace.com/chrisbrecht. The Green Corn Project is “feeding Austin, one garden at a time,” installing organic food gardens for families and individuals in need, as well as schools and community centers. Suggested donation to the charity is $10.00 per person, but no one will be turned away. Jo’s will be featuring 1/2 price draft beers and glasses of wine from 5 to 7pm. So come help us support a fantastic cause and enjoy some Austin music on our patio on 2nd Street!

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South By San Jose (SXSJ)

March 6, 2008 at 2:51 pm · Filed under Uncategorized, coffee, austin, texas, soco, southcongress, cafe, meetups, music, sanjosehotel, SXSW, southbysouthwest, livemusic, freemusic, freestuff, hotelsanjose, dayparty

Free music, no wristbands. March 12 - 15

THURSDAY - 3/13

1    Dan Dyer
2    Suzanna Choffel
3    Frank Smith
4    AKA COD
5    Li’l Cap’n Travis
6    A.A. Bondy
7    Bobby Bare, Jr.
8    The Felice Brothers
9    North Mississippi Allstars

FRIDAY - 3/14

1    The Moonhangers
2    Amelia White
3    Chris Masterson & Eleanor Whitmore
4    Dana Falconberry
5    Noah & the Whale
6    Mason Jennings
7    David Garza
8    Hayes Carll
9    Billy Joe Shaver

SATURDAY - 3/15
1    Allen Oldies
2    Bukka Allen
3    Wild Light
4    Black Joe Lewis
5    Kelley Stoltz
6    Amy Cook
7    Uh Huh Her
8    Special Guest!

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Jo’s 9th Annual Easter Pet Parade and Costume Contest

March 6, 2008 at 2:48 pm · Filed under Uncategorized, coffee, austin, texas, soco, southcongress, cafe, meetups, music, sanjosehotel, contest, livemusic, freemusic, freestuff, hotelsanjose, pet, parade, ma