The ads are on the radio Josh Jacobs Raiders Jersey , television, the Internet, even in the mail. They refer to payday loans - which come at a very high price.

Check cashers, finance companies and others are making small, short-term, high-rate loans that go by a variety of names: payday loans Clelin Ferrell Raiders Jersey , cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans.

Usually, a borrower writes a personal check payable to the lender for the amount he or she wishes to borrow plus a fee. The company gives the borrower the amount of the check minus the fee. Fees charged for payday loans are usually a percentage of the face value of the check or a fee charged per amount borrowed - say, for every $50 or $100 loaned. And, if you extend or "roll-over" the loan - say for another two weeks - you will pay the fees for each extension.

Under the Truth in Lending Act Antonio Brown Raiders Jersey , the cost of payday loans - like other types of credit - must be disclosed. Among other information, you must receive, in writing, the finance charge (a dollar amount) and the annual percentage rate or APR (the cost of credit on a yearly basis).

A cash advance loan secured by a personal check - such as a payday loan - is very expensive credit. Let's say you write a personal check for $115 to borrow $100 for up to 14 days. The check casher or payday lender agrees to hold the check until your next payday. At that time, depending on the particular plan, the lender deposits the check Derek Carr Raiders Jersey , you redeem the check by paying the $115 in cash, or you roll-over the check by paying a fee to extend the loan for another two weeks.

In this example, the cost of the initial loan is a $15 finance charge and 391 percent APR. If you roll-over the loan three times, the finance charge would climb to $60 to borrow $100.

Dave Myers -

Why You Should Use A Lite App To Entice Users Technology Articles | April 25, 2013

A lite version of an app is the most basic form of such a mobile offering. It is typically offered for free, but is also used to entice users to buy more advanced versions of the app Bo Jackson Raiders Jersey , usually priced at varying amounts of money.

A lite version of an app is the most basic form of such a mobile offering. It is typically offered for free, but is also used to entice users to buy more advanced versions of the app, usually priced at varying amounts of money. Such sales strategy is an effective method of providing users with a free glimpse of what your mobile offerings are capable of, with the expectation that they will download a more advanced, paid version of your app. In case you have not thought of using a lite version for one of your apps, here are a few reasons why you may want to do so.

Allows Users To Sneak A Peak

Perhaps the most effective reason for offering a lite app is the ability give users a peak into what the app is all about and can offer them in more advanced versions. In this way Hunter Renfrow Limited Jersey , the lite version of your app may also entice them to buy the more advanced versions. To better illustrate the concept of a lite app, lets say you have an app that allows users to compose and share various documents via email, or through Google Drive. For instance, with your most basic app, the lite version, you could allow users to work only with word processing documents ? composing and sharing them. As a way to entice users to upgrade Foster Moreau Limited Jersey , you could offer the app for free, but charge for the more advanced versions. Additionally, you could have at least two more advanced apps offered at increasing prices. For example, the first paid app could allow users to work with spreadsheets, as well as word processing documents. For the app you could charge, say Isaiah Johnson Limited Jersey , $2.99. Then, as your top app, you could offer the ability to work with documents of all formats, not just spreadsheets and word processing. For this app you could charge somewhere around $4.99.

Hopefully, you get the idea and it sparks a bit of creativity of your own when crafting a series of apps. This is just one example of how to set up a series of apps ascending from the basic lite version. You can price them how you see fit, and arrange their capabilities to suit your business and its customers.

Allows Your Company To Offer Both Paid And Free Apps

Another great thing about a lite app is the option for your company to offer both paid and free apps. Doing so Maxx Crosby Limited Jersey , allows users unwilling to pay for the app to still use it. Also, those users that are willing to pay can preview their purchase with the lite version as well. The difference between the two versions, besides capabilities, would likely be the appearance of featured ads on the lite version, and none on the paid version. Featuring ads on the lite version allows you to still make revenue off of the app, even when users are not paying for it.

Conclusion

Implementing a lite version is not for every app Trayvon Mullen Limited Jersey , however, it can still serve as a beneficial sales strategy for your app. By enticing users with a lite version, you will give them the opportunity to sample the app's most basic abilities with the promise of furthered capabilities in paid versions of the app. If the user likes the potential of your app, they will be more likely to pay for advanced versions.?


The Seiko 5 Sports 24 Jewels Automatic100M SRP345K1 SRP345K SRP345 Mens Watch is a sturdy and affordable choice for them whose love for mechanicals knows no bounds yet are reluctant to invest the usual care or maintenance time. That apart, it is a piece that can be worn everywhere; it does matter whether you are in the boardroom or amidst serious fun and frolic at the water park.

From the vast line of Seiko 5 watches comes the Seiko 5 Sports 24 Jewels Automatic100M SRP345K1 SRP345K SRP345 Mens Watch. It keeps true to the five components from w. Wholesale Jerseys   Cheap Jerseys   Cheap Jerseys   Cheap NFL Jerseys   Wholesale Jerseys Free Shipping   Cheap NFL Jerseys China   Cheap NFL Jerseys China   Wholesale NFL Jerseys   Cheap Jerseys   Wholesale Football Jerseys