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A payday loan (also called a payday advance) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday".[1][2][3] The loans are also sometimes referred to as "cash advances", though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries and, within the USA, between different states. To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. For a $15 charge on a $100 2-week payday loan, the annual percentage rate is 3686%[4]; the usefulness of an annual rate (such as an APR) has been debated because APRs are designed to enable consumers to compare the cost of long-term credit and may not be meaningful in cases where the loan will be outstanding for only a few weeks. Nevertheless, careful scrutiny of the particular measure of loan cost quoted is necessary to make meaningful comparisons.[citation needed] In practice, consumers do not find value in either APR or EAR, but rely on the flat pricing signal in dollars and cents when determining whether or not to use a payday loan.[5] Payday loans carry substantial risk to the lender; they have a net default rate of 6%,[6] and according to one study, defaults cost payday lenders around a quarter of their annual revenue.[7]
n, was exposed decades later as a hoax.And despite countless searches for the Loch Ness monster using everything from submarines to sonar, no evidence has ever appeared of the mythical beast except a handful of dubious photos and videos. Nonetheless, the legend of Loch Ness now one of Scotland's biggest tourist draws refuses to die.Not everyone, however, believes in lake monsters, and critics wonder if this latest sighting is just a college stunt."There are several inconsistencies with the video that point to it being a set-up," the Belfast Telegraph reports."The uploader claims the video was taken in Lough Foyle, but the landmass in the background is clearly that of Howth about 130 miles away from Lough Foyle," according to the Telegraph."When viewed at higher definitions, there are several tethering cables seen off the second boat, which raises further questions," the Telegraph reports.And several observers have cast doubt on the video simply due to the college student's name: "Conall Melarkey."Copyright 2013 LiveScience, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. 11 lost civilizations and how they might have fallen 11 mysteries attributed to aliens
ncies' own estimates.Heritage found the costliest regulations between 2009 and Jan. 20, 2013, came out of the Environmental Protection Agency, with their rules imposing nearly $40 billion in costs. Next in line was the Department of Transportation, followed by the Department of Energy.The Department of Health and Human Services was in the middle of the pack, though with regulations from the federal health care overhaul still in the pipeline, costs associated with that agency could rise in the years to come.The costliest rule was issued by both the EPA and Department of Transportation, imposing new fuel economy standards on U.S. automobiles. It's estimated to cost $10.8 billion annually, potentially adding $1,800 to the price of a new car as manufacturers spend more money to comply.Costing nearly as much was an EPA rule requiring utilities and other fossil fuel plants to limit emissions -- though part of that rule is still under review.Though environmental rules were the costliest, Heritage found that the highest number of regulations in 2012 were actually in the financial field as a result of the "Dodd-Frank" financial industry overhaul passed by Congress.The Obama administration acknowledges that EPA rules are the costliest of any agency. But the administration claims those rules also come with the biggest benefits -- benefits that far outweigh the costs.A report put out earlier this year by the White House Office of Management and Bud




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