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Are you feeling a little sad that you missed out on the cash for clunkers cash that the government was passing out? Don’t feel bad – it probably wouldn’t have helped you get the best deal on a car anyway. The best way to get the best deal on a car is to go where there are gently used cars at the right price. And with the economy the way it is, you might be surprised at how easy it is to find someone who wants to sell their gently used car for a rock bottom price.

When trying to get the best deal on a used car, try to skip the dealers and go right to the person who owns the car and wants to sell it. You can find these people on craigslist, ebay or even your local newspaper. Be sure to pull a carfax report or have them pull one for you so you know the cars history and know where it has been. Check the cars maintenance history and then check to see that the owner has taken good care of it.

Assuming that you have found a good deal on a good car, lastly don’t be afraid to haggle a little. Or a lot! You might be surprised at how low some people are willing to go to sell their car so they can quit paying their monthly car payment. Cash is tight – and if you do all this, you will soon learn why some people say that “cash is king”!

Salaried employees and wage earners everywhere often find themselves a bit short to meet their daily needs or some sudden emergency expenses days before their scheduled payday. Not everyone earns more than they spend and they are more of an exception. Without any savings, many Americans have to obtain unsecured short-term loans to tide them over until payday comes.

Advancing Your Paycheck

A Paday loans, also known as a paycheck advance, can be had either from your employer, if such schemes are allowed for their employees, or from 3rd party lenders such as individuals, banks or financing firms that offer them. Not all states allow these types of loans. But those that do regulate them in terms of the maximum amount and interest that can be charged.

Commercial banks that are corporate depositories to fund employee payroll often provide these services at no cost to the borrower. No obligatory paperwork is otherwise needed as it’s easy for them to deduct from your forthcoming payroll the amount loaned, which they do automatically with just your permission on a loan application form.

Commercial Thrift banks generally offer short-term pay advances in states that regulate the practice. Even in states where this is banned, there have been work-arounds that allow you to obtain such loans from bank branches in other states that allow them. So do inquire with your banks should you happen to be in a state that doesn’t allow the practice.

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