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Payday Loans Are Prohibited in New York

The State of New York has banned payday loans, but you wouldn’t know it by checking the web. Google “payday loans NYC,” and you will see dozens of local businesses offering payday loans, even though it’s illegal in New York to make these loans in person, online, or over the phone.   According to the […]

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Why Are Millennials Turning to Payday Loans and Pawnshops?

Pawnshops and payday loans are becoming popular sources of fast cash for millennials who need instant help to pay their debts, according to a study by the Global Financial Literacy Excellence Center. Their research found that 42 percent of millennials have used alternative financial services as sources for short-term loans. Roughly 28 percent of college-educated millennials from ages […]

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Different Types of Jewelry Appraisals – Part 3

    An estimate to replace, or replacement cost estimate, is probably the most common form of appraisal, though it is not as thoroughly researched or objective as a fair market value appraisal or an insurance appraisal. This appraisal accompanies an item of jewelry when it is purchased and is usually prepared by the jeweler […]

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The Military Lending Act – Consumer Protection Lending Law

  The Department of Defense recently passed a revamped version of the Military Lending Act (MLA), which will make it more affordable for active military and their family members to borrow money. The Military Lending Act can really benefit service members and their families, so it is important that more awareness is raised about its […]

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Different Types of Jewelry Appraisals – Part 2

  Insurance Appraisals These documents are used by insurance companies to determine the cost to replace a piece of jewelry or to compensate the owner in the case of loss, theft, or damage, according to the owner’s insurance plan. This type of appraisal usually considers the cost of replacing the jewelry if it was crafted […]

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NYC Programs to Help Small Business Owners and Aspiring Entrepreneurs

New York City has many public services to help small businesses and aspiring entrepreneurs with everything from guidance to growth. Unfortunately, many of these public programs are rarely advertised. As a result, entrepreneurs don’t take advantage of these services. Provident Loan Society of New York recently went through the different services available through New York […]

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How to get Funding for Single Person Companies

The number of US companies with zero employees continues to grow, according to the US Census bureau. Even companies that historically required dozens of people are now being run by only one employee. Food manufacturers with a single-employee doubled between 2004 and 2014, while beverage makers with one employee grew 150 percent, according to the […]

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How to Purchase Vintage Jewelry

How to start your Jewelry hunt Your first step into the world of vintage and antique jewelry should be to look around! The Internet is an obvious place to start, but I also recommend a trip to your local library, bookstore, or Amazon. Warman’s Guides and Answers to Questions about Old Jewelry are terrific resources […]

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Microloans vs Collateral Loans – Which is better for me?

Many banks aren’t lending money to smaller businesses like they used to do. As a result, many entrepreneurs and small business owners are turning to alternative lending options, such as microloans and collateral loans. What are Collateral Loans? Collateral loans require borrowers to provide property or other assets – like gold, jewelry or silverware – […]

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