Statistical Data
Are you interested in statistical data and technical reports?
A mock giant-sized pack of Marlboro cigarettes. The warning message “Smokers die younger” is easily visible on the side of the box.

The true cost of a pack of cigarettes

Smoking is a relatively expensive and unequivocally dangerous habit, but few people know the true cost of a pack of cigarettes, reports the European science blog Lab Spaces. According to Spain’s Polytechnic University of Cartagena (UPCT), an average €3 to €4 pack ($4.18 to $5.57, approximately) actually costs €107 ($149) for men and €75 ($105)
This Federal Reserve/Vanderbilt/Penn study tries to connect payday loans to credit ruin, but what they leave out suggests a rosier alternative. (Photo: flickr.com)

Fed Study Unintentionally Paints Rosier Picture for Payday Loans

Why Use Credit Cards When There Are Payday Loans? Credit cards have proven to be both a useful tool in establishing a credit history and a bane to those consumers who hope to maintain a good credit history. The temptation to “swipe and go” has been actively cultivated by the American media. With the magic
Capping payday loan rates too low will kill competition and hurt consumers – in Brisbane, Queensland or anywhere else.

Consumer Credit Availability and Financial Exclusion in Australia

Forced Competition for Competitive Payday Loan Rates? Legislators from various nations have proposed that control over consumer credit become centralized, i.e. placed under control of the national government rather than continue to reside with states and principalities. Their reasoning is that if they can provide the traditional banking sector with enough incentive to offer small

Rent Costs Strain Poor in Metro Areas

Start Your Short Term Loan Application Today! Becoming a part of Statistics According to Washington Post writer Guy Gugliotta, there was “a survey of 44 cities, the Center on Budget and Policy Priorities found that 75 percent of the low-income households earning less than $10,000 per year are paying more than 30 percent of their
E. 38th St and Mass Ave.: Former Roselyn Bakery at the corner of E. 38th St. and Massachusetts Ave. in Indianapolis.

Iowa Catholic Conference pursues payday lending limits

Bloomberg reports that payday lending is under fire in Iowa, a state where lending laws are already among the tightest in the nation. Payday loan rollovers are forbidden and fee limits are less than permissive, but consumer advocates that include members of the Iowa Catholic Conference and National Association of Social Workers are lobbying the
Payday loans are heavily regulated in the Canadian province of Manitoba. This flies in the face of reason, as 310-LOAN's executive study indicates. (Photo: picasaweb.google.com)

Manitoba’s Judgment of Payday Loans Ignores Reason, Commerce

A Reasonable Argument, Rebuffed With Extreme Prejudice Governments both large and small often take it upon themselves to decide what consumers should or shouldn’t be able to do with their own money. Call this the “nanny state” mentality if you will. Regardless, it seems that a population is somewhat less than empowered if the ability
Payday Loans have the green light when it comes to going where the financial need is greatest. Access to conventional credit plays a large role. (Photo: flickr.com)

Payday Loans: Going Where the Need is Greatest

Fed Study Shows Payday Loan and Related Outlets Cluster Payday loans are an inescapable landmark in America’s modern economic landscape. The popularity of the short term loan product has grown significantly since the early 1990s, and it’s no wonder. Giving consumers the ability to absorb financial shocks in the short term – enabling them to
Living between the plus and the minus sign can be nerve wracking. If help is needed, installment loans can deliver.

Installment Loans for Fertility and Adoption

A Growing Credit Market Exists for Prospective Parents For those wishing to bring children into the world and/or raise them, one of the most heartbreaking of conditions is being unable to conceive due to infertility or financially unable to adopt. The former condition invites a series of potential medical cures, all of them very expensive.
Payday loans have not put this woman on the street. This study indicates that there is in fact no clear correlation between using payday loans and facing financial calamity like bankruptcy. (Photo: flickr.com)

Payday Loans and Bankruptcy in Canada: No Clear Correlation

Manitoba University Study Unintentionally Dispels Numerous Myths Human Ecology professors Ruth Berry and Karen Duncan of the University of Manitoba appear to have been ready to point the accusing finger at payday loans in Canada. Given supporting data, it appears they would have been happy to report that payday loans and bankruptcy were strongly connected
What's a government small dollar loan worth? Nothing more than eagle food, apparently… (Photo: wikipedia.org)

Payday Loans Beat FDIC Small-Dollar Loans Hands Down

Payday Loans Profit With Lower Overhead The payday loan industry continues to fulfill the needs of consumers, particularly during the tight times of the recession. On volume, payday lenders are able to make profits that allow them to continue to operate in the majority of states. Thus, the relationship between consumers and payday loan businesses