Having Trouble Getting a Loan

Are you having some serious trouble getting a loan? This is nothing new these days, and it looks like it's not going to be anything new for a few years to come, unless the corps start creating allot of good jobs, or the banks just decide to start lending consumers money again.

Here are some perfect examples of real borrowers who need to get some kind of consolidation happening in a hurry;

• Low Interest Debt Consolidation in Copiague, NY for $80000
• Consolidate Bills in Buffalo City, NY for $40000
• Help Consolidating Credit Card Debt in New York, NY for $15000

These three above are in the State of New York and range between 80K, 15K, and 40K.

• Consolidate Debts in Brighton Town, NY for $35000
• Please Help ? Debt Consolidation in Brentwood, NY for $30000
• Debt Consolidation Loan in Binghamton City, NY for $25000
• Bad Credit Debt Consolidation in Elba City, NY for $5000

These 4 above are in NY as well - loans for 30K,3K,25K, and 5k.

• Free Debt Consolidation in Coram, NY for $90000
• No Credit Debt Consolidation in Cheektowaga, NY for $60000
• Really Bad Credit Debt Consolidation in Central Islip, NY for $50000
• Need Debt Consolidation in Bay Shore, NY for $20000

These loans are all consolidation as well - these folks are asking for 90k,60k,50k, and 20K.

• Consolidate Bills to One Low Payment in Centereach, NY for $45000
• Help Consolidating Credit Card Debt in Baldwin, NY for $15000
• Multiple Credit Card Debt Consolidation in Commack, NY for $70000
• Credit Card Debt Consolidation in Auburn City, NY for $10000

These are for consolidation due to credit card debt mostly - 45K,15K,70K,10K.

Bizarre to me how many people are so badly overdrawn and messed up with their personal finances. I suppose that high personal debt is an epidemic our American society now.

Need a Payday Loan in Edmonton

Had a comment on another blog from a borrower in Edmonton who is looking for a payday loan. Actually, that is not usually a problem, and there are very few sites, forums, or blogs online that go into great detail on borrowing and lending Canada. Bucks for Canucks is about the closest site I can find that deals with Canadian lending.

It's not that this company is actually lends money, but at least it's a start. We need a place online to talk about loans in Canada. Especially the larger population areas such as Toronto and British Columbia, and Quebec.

There are many sites online that are in regard to financing and lending, and now there is a new place to go in Canada.

Losing in Chicago - Over $2000 Bucks

Don't know if you have ever read this little story about some young guys driving to Joliet in hopes of winning big on the craps tables.

If you have never been to the Windy City before, I have a funny story to tell you.

We drove through Bloomington and Champaign on our way there, and we stopped to see some friends in both places. We invited them to come with us and do some gambling at the Casino, but they declined.

After we left our buddies, we had some car trouble near Odell when my fan belt decided to retire. Of course we were very disappointed to have our trip go off the rails like that, and we can all relate with car trouble right, but regardless, we were really excited to be out on the road and away from work.

I should point out, that this short story is a cautionary one, and hopefully others can learn from our mistakes - not that most people ever really change their behaviour because of someone else's mistakes.

It was a bad start to a trip we had been talking about taking for over six months. Between Lorne and I, we had a total of three thousand dollars when we cashed our paychecks in Dongola, and by the time we finished paying for the fan belt, labor, our bar tab, food, and hotel, we were down to just over two thousand dollars.

When we finally arrived at the Casino we weren't exactly as excited as we had anticipated we would be when we were dreaming up the trip in the first place.

Both of us needed to freshen up before we went to the Casino, so we just grabbed our keys for the room and went upstairs to crash. We needed a shower and a chance to clean up before we hit the tables.

It seemed that whenever I got lucky and got dealt two face cards, the dealer would get blackjack. Whenever I split two hands, sometimes 3 or 4 hands, the dealer would get blackjack, 21, or 20 - I thought my bad luck had no boundaries. I thought the dealer's good luck had no boundaries She would smirk when she beat me, and she would frown when I beat her!!

By the end of the day Lorne and I had lost ALL of our money gambling, and Lorne had even gone to the ATM and withdrew another five hundred dollars, leaving us feeling like real losers. Talk about your instant deflation of self-esteem.

We went back to our hotel room, drank a bottle of Vodka, silently watched television, and rarely spoke - except to remind ourselves that we had no gas in the tank of the car.

We finally fell asleep at around four in the morning and when we woke up we were hung over, and broke.

We sat in the car for a minute while Mark scrummaged around looking for a cigarette and a lighter.

It was obviously the only recourse we had left at this point, so we looked in a nearby phone booth directory to find out where all the payday loan shops were in Aurora. We found one that was on our way back south, and looked it up on the map. One that was more well known. Preferably we needed a lender that advertised five hundred dollar loans in just minutes.

So we headed down the highway running on fumes. We were in pretty pathetic shape at the time - you know - young and stupid.

We ended up getting completely lost for awhile, but eventually found a town, and the street that the payday loan shops were on.

When we went to work the next Monday all of our buddies asked us how we did up North in the Casino. We told the truth, which made us the butt of the jokes for the entire week. The whole experience was humiliating and left me feeling like a total fool. Furthermore, we were really broke.

Well there you go - two young punks losing all their money in a hurry.

If you have never spent over $3000 on a wild weekend before, then hang on for a tale of two morons. After we left our buddies, we had some car trouble near Odell when my fan belt broke down. This was a major bummer for sure and put a small damper on our mood, cars never seem to break down at the right time do they, but regardless, can't let a simple mechanical breakdown ruin a perfectly wonderful day.

I should point out, that our subject matter today is not exactly "sharp", if you know what I mean, and wouldn't it be great if other kids who think gambling is fun will reconsider - not that it's really all that big of a deal.

And this is how it was - two young bucks waiting it out in Odell and begrudgingly in a position to lose some of gambling money before we had a chance to gamble. It was not exactly what we had planned for when we were cooking up our trip plans. Between Lorne and I, before we left home we had $3000 dollars in Dongola, when the fat lady was singing and we had paid the car repair shop the fan belt, labor, our bar tab, food, and hotel, we were down to just over $2000 dollars.

When we finally arrived at the Casino we were no longer quite as thrilled as we had envisioned we would be when we were dreaming up the trip from the outset. Furthermore, we were very tired from driving, and we were not very happy about the reality that we had already spent up to one thousand dollars.

We both had to clean ourselves up before we even considered heading to the Casino, so we got our room card(s) and went to lay down for awhile.

Whenever I was lucky enough to get two good cards and got dealt two face cards, the dealer stuck it lucky. If I ever to the risk of splitting my cards, sometimes 3 or 4 hands, the dealer fluked out, 21, or 20. I was totally bemused by the my dealer's good cards She would giggle to herself when she squeezed me out, and appeared to be distraught when I beat her! To add insult to injury, the other players at the table were doing pretty good. There was no question about it - this dealer wanted to see me in tears before the night was over!

By the end of the day Lorne and I had somehow been stupid enough to waste all of our money, and Lorne had made the strategic error of withdrawing yet another 500 dollars, leaving us breathless. It was pathetic to watch us both trying to shrug the whole thing off like it was nothing to worry about, the truth was we were feeling very sheepish about it.If there is ever a time to feel like a goof ball, this is it. We went back to our hotel room, and didn't say a single word to each other - with the exception of the odd fart or burb. I gladly fell asleep close to four and when we woke up we were hung over, and broke.

All that was on my mind was how to get some petrol in the tank so we could put this whole ordeal behind us and get home. Reluctantly, we had to press forward with this idea, so we looked in a nearby phone booth directory to find out where all the mini loan stores were in Rockford. We found an outlet that was close by. We needed a company that claimed to provide $500 loans in just minutes.

We then drove out of the Casino parking lot on our way stopping to share a Mcdonalds Egg McMuffin with our last two dollars.

We were scared that we would run out of gas, praying we would have enough fuel to get us to the loan shop and praying we would have enough fuel to get us to a gas station after we grabbed our $500. We looked silly as silly can get - you know - young and stupid.

We got lost because we were in a daze, but that was OK - we did get ourselves in an area where the paycheck loan companies were on.

After we got home, and in the morning of our first day back at work all of our buddies asked us how we did up North in the Casino. We told the truth, which made us the butt of the jokes for the entire week. What bad joke it was. Furthermore, and as well, I was flat broke for a month.

We try to avoid even reminding ourselves of the complete fiasco, and on top of this, we had to pay a huge APR on the money we borrowed.

Why Do These PDL Companies Flourish in Austin Texas

I was born and raised in Austin Texas, and I'm grossed out by all of the young and middle aged people crawling to these predatory lending offices downtown. It's really a sad affair when you think about - really!

I have seen so many consumers loose their shirts these days when they use cash advance companies and their loaded APR lending. It seems that no matter what we do, there are always going to be people that are in serious financial turmoil because of something they have done themselves, or something they wish they had never done.

They get so far behind on their bills due to a job loss, bad spending and lack of saving habits, medical bills, divorce - you name it. Sometimes they are just completely ignorant to what budgeting means and how important it is. I wish that these people would all get their act together and stop using these payday loan companies once and for all.

I know I am likely dreaming, because the State and Federal Governing bodies have no intention of every putting an end to the abuse that is being administered by these scummy lenders upon the poor and "under-wealthy" citizens in Austin. Perhaps there will be day when the education standards will increase, and our youth finally learns how important it is to stay financially solvent when they are growing up.

I know that I sound like the two old men in the balcony on the Muppets, and I sound like the old fart who doesn't like the way things are in the new world - but let's face it. It's really a mess when borrowers are borrowing money at APR rates climbing above 500% - when will this stupidity ever end?

Where are the parents that should be explaining to their kids how interest rates work, and what APR stands for? Why do young people these days spend so much more money than they make on a monthly basis? Why do the lawmakers in Washington and in Texas insist on creating a lending environment that takes full advantage of these poor, defenseless borrowers, that don't seem to have any clue in the world.

The good news is that I'm not the only one complaining about these loan sharks. There are many other people that have had enough of these lenders - they're blogging about it now, and they're talking about it. Maybe there will be a day when everyone figures it out, and collectively we put an end to predatory lending in our Cities, Towns, and neighborhoods.

I have listed some other bloggers blogs that are fighting back with some basic information on the subject. Really glad to see they are talking about my hometown as well. They're articles are here;

1. Mini-Loan Stores in Austin Texas
2. Personal Loan Branches in Austin
3. Small Loan Branches in Austin Tx
4. Personal Loan Offices in Tx
5. Why So Many Predatory Lenders Exist in Texas
   
6. Texas and Their Payday Loan Problem
7. Small Loan Stores in Austin
8. To Many Payday Loan Shops in Austin, Tx

Of course I know that there is no way that these companies are going to close up shop and disappear overnight. Hopefully it will just be like smoking - slowly over time consumers will wake up and begin fighting back against evil corporations and politicians who are "on the take". It will take many decades before this special brand of abuse is no longer tolerated throughout the Western World.

I would be very happy if the reckoning STARTS in my home town of Austin!!

Kubota Law Tractor Reviews

Kubota have had the compact range of equipment sewn up for years now with many a new kid on the block trying to steal a march.

There are a number of products that maybe, just maybe, are gaining traction but for me Kubota are still the number one.

I purchased the three cylinder, diesel Kubota B7001 compact second hand and I have to say, just like the ones we hired in, it does everything it says on the tin.

I have just rotovated an area of ground that has been used as a infill for a while so it had it's fair share of stone, brick, some plastic and wood yet the Kubota handled it with ease.

Not only did it rotovate in low third gear without power loss but it managed to deal with a very steep incline (as seen in the picture), although I did have to use the four wheel drive and differential lock to keep good traction.

Whilst the tractor unit itself is no where near new - I bought it from a local dealer but it has been imported from China - it is excellent condition and (touch wood) has several good years life left in it.

On the back I have an Agric ALJ35 98cm wide rotovator which makes easy work of the firm soil and chops it up finely.

A little note of interest if you are planning to hire in a tractor/rotovator combination to prepare a new lawn, clean up a vegetable patch or prepare some newly levelled top soil.

Use low first gear to chop up the ground. This will help to create a workable top to start with. After you have prepared the top surface, changed to third low gear. The extra speed will allow the unit to act like a leveller-grading machine.

Kubota 1100s
Kubota 4030s
Kubota 500 Rtvs
Kubota Accessories
Kubota B2320 Tractors
Kubota B2710s
Kubota B4672a Backhoes
Kubota B6000es
Kubota B7000 Tractors
Kubota B7510 Hsds
Kubota B8200s
Kubota Bh90s
Kubota Bx Cabs
Kubota Bx1800s
Kubota Bx2230 Tractors
Kubota Bx2660 Tractors
Kubota D722s
Kubota Diesel Generators
Kubota Engines
Kubota Front Ptos
Kubota G2460s
Kubota Generators
Kubota L225s
Kubota L245dt Tractors
Kubota L2850s
Kubota L3130s
Kubota L3940 Tractors
Kubota L4400s
Kubota Lawn Mowers
Kubota Light Brackets
Kubota M5700s
Kubota Mini Excavators
Kubota Radiators
Kubota Rtv Heaters
Kubota Seat Armrests
Kubota Super Udts
Kubota T1880s
Kubota Tractor Parts
Kubota M Series Tractors
Kubota V2203 Diesel Engines
Kubota Zd331s
Used Kubota Lawn Mowers
Used Kubota Tractors

Cheap Used Beltone Hearing Aids

Cheap Beltone hearing aids are not easy to come by these days. You want to make sure that you have a quality hearing aid that won't fall apart on you, are simply stop working. Beltone makes hearing aids for the hearing impaired but they don't make them for cheap - they make high quality aids, but you have to pay for them.

Pricing out Beltone aids I found out quickly that they were only cheap is you bought a used set. Here is some info on the different Beltone aids available on the market today. Whether you buy cheap hearing aids or used hearing aids, I would suggest that you pay a little more in the way of price for the expecation of durability and quality.

Shell Style Hearing Aids by Beltone

Beltone is renown for their high-quality inner circuitry technology, and multi-user designs. You can have your hearing aids invisible so you don't have the aids hanging off your ear(s) making your appearence very natural. These are pricey of course, but if you have the money, it's worth looking at them for purchase.

Beltone InVisa Hearing Aids

The invisa is a completely-in-the-canal hearing aid instrument which is invisible to others. It's called a "hidden hearing aid".

Beltone Petite Plus Hearing Aids

This is a petite hearing aid that is visible but not much at all. High end digital circuitry - custom-made high-performance aids.

Beltone Opera Plus Hearing Aids

Very much like the Petite Plus aids but for a lesser dollar. The circuitry is a little bit different too, and this is very popular with people who have smaller ear canals. Perfect for children, and small women.

Beltone Optima Hearing Aids

These Optima aids are the more normal type which is certainly visible to others, but the price point is much less, and they are very rugged. These are ideal for blocking out background noise as well because of the high-end filtering technology.

One!Mia Beltone Hearing Aids

The One!Mia is a fairly new aids technology that has just a small tube visible entering your ear canal and a very discreet behind-the-ear type aid.

The Edge Beltone Aid

The edge is virtually invisible but is designed for the hard of hearing who have high end, upper end frequency hearing loss. Designed for people who want the normal hearing (natural hearing) for the low end sound, and some amplification of the high end sound.

The Marq Beltone Model

The Marq aids are a VERY popular model for people who are very self concious of their appearence, and have very poor hearing. These are similar in design to the One!Mia aids, but the tube is much thinner and less visible to passers-by. Once again, using high end circuitry and durable materials.

Belone's Touch Model Hearing Aid

The Touch hearing aid is extremely brilliant in design, because of it's ability to use the natural ear canal as part of the solution. The Touch aids use the "anatomy of your ear to provide a more natural sound quality and amplification. These are becoming one of Beltone's most popular hearing aids.

More On Beltone Hearing Aids (used, cheap, inexpensive)

The Beltone web site isn't useful for anything more that research, and not the place to buy their hearing aids. To buy Beltone hearing aids you have to buy from an approved dealer, or store.

Beltone has more than 1300 locations in the United States of America and an exceptional reputation in the hearing aid business. The company has a program called Belcare whereby they provide support for ongoing needs of customers who have purchased a Beltone hearing aid. Beltone hearing ptofessionals are trained to carry out a lifestyle assessment called Personalized Hearing Health Assessment (PHHA) on their customers.

This program helps determine which hearing aid is right for individual hearing needs. Beltone hearing aids are available in 4 categories: basic, quality, advantage and premier. The three-channel Edge model is the least expensive. Beltone's mid-range model is the six-channel Mira. Beltone's state-of-the-art hearing aid is the twelve-channel Oria which has many advanced features. They are renown for their advanced circuitry.

More on Hearing Aids;

When rating digital hearing aids, customer contentment runs high as compared to the other options available in the market. These customers rating digital hearing aids say that they found lesser noise distortion and efficient sound magnification as compared to their analog counterparts. This advantage was seen even on the programmable analog devices. The customer response regarding rating digital hearing aids may make one to conclude these being the best choice, but in this choice the other factor, i.e. cost no longer remains in the very affordable range, as along with customers rating digital hearing aids as high, the costs for these also run high as compared to their analog counterparts. The medical insurances and Medicare normally do not reimburse the money for such devices, so it is the customer who pays for it. Nonetheless taking the users rating digital hearing aids saying the absolute truth, they are worth the cash.

Thanks for coming by Ton O Stuff and we hope you find a great price on Beltone Hearing Aids!

Used Kubota Tractors

So my latest little passion is the Kubota Tractors you see every time there is some excavating job going on. These machines are beautiful and we were turned on to them when we had our back yard landscaped. Below is some info on these really cool tractors from Kubota.

More Power than Ever Before
Kubota’s higher horsepower M-Series tractors feature added power, more torque and an electronic common rail fuel system for more power, less noise and reduced emissions. The M100X and M110X are powered by a Kubota V3800 engine while on the larger side of the series, the M126X and the M135X feature a new V6108 four-cylinder, high torque engine with a large displacement of 6.1 liters (374 cubic inches). At 118 PTO horsepower, the M135X muscles its way into the larger 110-120 horsepower group of agriculture tractors. The 16F/16R Intelli-Shift transmission features an eight-speed dual-range powershift for 16 gears in forward and reverse, hydraulic shuttle and wet main clutch are standard.

Designed for Optimal Performance
Sleek new design elements add aesthetics and functionality. The new rounded hood and grill design improve operator’s range of vision while the quieter cab keeps interior sound levels down to approximately 72 dBA on M126/135X models and about 73 dBA on the M100X/M110X models. The exhaust pipe exits the hood at the bottom to increase visibility of the front right wheel; it is also tethered to the cab post to restrict vibrations and increase durability.

Other standard design elements includes wide-front tread that provides an overall 70-74 inch tread spacing, making straddling wide windrows in baler applications easier. A float link has been added to the three-point hitch, which provides lateral floatation for the use of wide implements. To provide for a smooth, comfortable ride on the M135X, especially when equipped with a loader, Kubota offers optional front axle hydraulic suspension with a toggle switch to turn the system on-and-off. These features, combined with the standard radial tires on each M-Series model, provide excellent traction and a quiet ride.

Higher Horsepower M-Series Works Smarter, Not Harder
Enhancements on the Kubota M-Series deluxe mid-sized tractors help operators work more efficiently. A new dash-instrumentation includes a central command LCD panel that displays engine information, fuel used per hour, travel direction and gear selection. The Kubota - Electronic Management System (K-EMS) is a new, innovative electronic engine control system. K-EMS includes a computerized governor control dial that maintains engine revolutions per minute (RPM) to the operator’s selection, while two memory settings can be set for low- and high-frequently used speeds.

“When working in a field, the new electronic “Work-Kruise” control, part of the K-EMS system, monitors the engine to maintain a constant speed,” said Williams. “In hilly terrain the “Work-Kruise” ties together with the Field Auto-Mode to optimize field travel speeds – the operator does not have to constantly maintain the throttle, which helps increase field productivity.”

A big part of it was the operator who was running the machine. It was really cool how he moved the machine around and worked the dirt.