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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]
ists and dieticians on call whenever a celebrity wants, and whenever a celebrity needs it.Mariah Carey and Jessica Simpson are the latest celebrities cashing in on gaining and losing weight while millions of Americans pay for the privilege. Carey signed on with the Jenny Craig weight loss company for an undisclosed sum, while Simpson was paid a reported $3 million by Weight Watchers before she even had her baby (due in early 2012).FOX411: Carey Shows Off Post Baby Body.A spokesperson for Jenny Craig said their celebrities, including Mariah Carey, receive no preferential treatment.Our Brand Ambassadors experience the same Jenny program as any of our other clients, including a weekly one-on-one consultation with their personal consultant, either in person or over the phone.No special treatment is provided, a rep told Fox411.com.Weight Watchers declined to comment.Follow FOX411 on Twitter.Jenny Craig and Carey are promoting the singers 30 pound weight loss since st
make sure their skills are up to snuff. Fox News got a rare peek inside their training.After surrendering cell phones, cameras and a list of other prohibited items, guests to the plant must check in with photo identification and proof of U.S. citizenship. Theres a security briefing and then a winding drive through checkpoints to arrive at the virtual security training center. Step inside and it takes a few minutes for your eyes to adjust to the light. Then you see the guns. And the humvee. These are facing large movie-like screens that run from floor to ceiling and wall to wall. Trainers can project different scenarios on the screens while security officers are put through the paces. The guns feel real because they are.But instead of ammo, theyre outfitted with compressed air so they will they feel real when theyre shot. There are also cameras to record the training so that the officers can receive feedback once its finished.The two large rooms in the virtual