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Low Interest Payday Loan - How To Figure Out The Apr Of A Payday Loan
Posted by nick_niesen on November 8th Cheap Jaquiski Tartt Jersey , 2010


The annual percentage rate (APR) of a payday loan is a helpful tool to compare rates of lenders. According to the 聯Truth in Lending Act,聰 passed by Congress, payday companies are to provide you with the APR. Some companies list this information on their site, while others only provide the fee amount and give you the APR after you have submitted an application.


You can figure out the APR based on the fee amount by using the following formula. This way you will have an accurate way to compare costs, enabling you to find the best deal.


The Formula


Begin by multiplying the payday loan fee by the number of pay periods in a year. So if a payday loan lender charges a fee every two weeks, then there are 26 pay periods.


For our example, we will use a loan fee of $15 for every $100 borrowed. This is a typical rate, although you can find lower rates for first time borrowers.


The formula looks like this:


15 (loan fee) x 26 (pay periods) = 390


The 390 equals the yearly charge for the loan. To find the percentage rate#2# we will have to do one more step. Divide the yearly charge by the loan amount, then times the total by 100 to get the percent.


For instance, we will take 390 and times it by $100 since that was our original loan amount. The formula is:


390 (yearly charge) x 100 (loan amount) = 3.9


3.9 x 100 (to get the percent) = 390% (APR)


What It Means


Payday loans give you a cash advance with the intention that you will pay back the loan on your next payday. You will not be paying $390 in finance fees for the year, only the $15 for the pay period. However#3# if you roll over the loan, you will be racking up the finance charges.


Cash advances are best used for temporary emergencies, like covering a bounced check or car repairs. For longer term credit, it is better to look at a credit card or personal loan. While these types of loans will affect your credit score#4# they will also provide better rates.


Saline Breast Implants Are The Safest Choice For Breast Augmentation Surgery Health Articles | October 11, 2010
If you're considering breast augmentation surgery, the saline breast implant is your best choice when it comes to safety concerns. Not only that, but they are less expensive than silicone gel implants.


If you're considering breast augmentation#5# you will need to perform considerable research into the currently approved breast implants on the market. There are three types of implants currently available in the U.S. for breast augmentation surgery. They are: saline breast implants, silicone gel implants, and the newest implant to hit the United States: the cohesive gel implant. The saline implant and the traditional silicone gel implant are similar in many ways other than their filler. The cohesive gel implant is a unique implant that has very distinctive characteristics that sets it apart from the saline and traditional silicone gel implant. This article will discuss the saline breast implant.


The saline implant is arguably the safest breast implant currently available. They have earned this distinction for a variety of reasons.


Perhaps the most significant difference between silicone gel and saline breast implants is their filler. Silicone implants use silicone gel and saline implants use a saltwater saline solution. The saline solution found in saline implants is made from salt and water; basically, it's saltwater. If a saline implant ruptures and leaks saline solution into the body#6# it is relatively harmless to your health. Your body will absorb the solution and pass it via urination within a few days. Silicone gel implants, on the other hand, leak silicone gel into your body, and silicone gel that is leaked into the blood stream is known to cause any number of negative health conditions as a result.


A ruptured implant is the greatest fear for a woman with breast implants. As mentioned above#7# the saline breast implant poses very little risk to a woman's health should a rupture occur. Additionally, if a saline implant ruptures and leaks, it will typically deflate within 48 hours. Because saline implants deflate rather quickly, it makes them easy to detect - a woman will notice that one of her breasts is smaller than the other and then she can call her breast augmentation surgeon for an emergency consultation. A leaking silicone gel implant is much harder to detect - they can leak for years before the deflated implant becomes visibly noticeable.