Sarah Waters
Free
Financial Services and Consumer Rights Expert
Sarah Waters Quick Facts
- Main Areas
- personal finance, loans, credit score, budgeting, mortgages, student loans
- Career Focus
- Financial Consultant
- Affiliation
- Trading Financial Credit LLC
Sarah Waters lives in Los Angeles and blogs about financial news, consumer tips, home buying topics, and other issues relevant to personal finance. She has worked in the financial sector for nearly two decades and devotes her life to helping people make the most of their money.
She contributes regularly to the following financial blogs:
Articles by this expert
SelfGrowth articles and saved writing connected to this expert.
Article
After the Great Recession: Maximizing your Financial Potential
Looking at the latest trends in financial patterns among US consumers, it’s safe to say that many of them have begun to learn the lessons of the Great Recession. In the third quarter this year, consumer debt has continued to go down. While much of this has to do with the fact that some homeowners are walking away from their mortgages, it’s not all bad news. Many consumers are being more careful about using their credit cards.
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Advice for the Unemployed: Self-Reliance is the Most Valuable Commodity
In what’s likely to be seen as the latest in a series of negative developments for America’s long-term unemployed, the well of unemployment benefits seems to be drying out. Unemployment benefits have a cut-off stage depending on how long the recipient has gone without a job. And at this juncture, numerous Americans have been unemployed for such a long time that only 48 percent of them are still receiving unemployment benefits. This means that most out-of-work Americans now lack the financial security net that’s been helping them stay afloat for the recent past.
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Califo ia’s Green Laws Lead to Rising Energy Costs
The good news is that the Califo ia legislature is taking steps to encourage growth in the environmental sustainability sector by passing laws that fund innovation and generate job creation. And in the long term, these laws will help to protect the environment against climate change and atrophy. But, while Califo ia’s climate laws give utilities incentives to protect the environment, they may wreak havoc on your energy bills. That’s because utility companies are taking new costly measures to make sure that they conform to the strict new regulations.
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Consumer Tip: Beware of “Zero Interest” Payday Loans
A new UK-based site, InstantLoansDirect.com, is trying to attract new borrowers by offering so-called 0% interest payday loans. They offer short term loans without interest, but there’s a catch. There is no interest for the first eight days, but after that initial period, there’s a daily fee based on the amount of the loan. This means that the claim that the loans are “interest free” is somewhat misleading. Obviously, the company wouldn’t make any money if they were just giving it out—in fact, they would lose money, as there would be no profit to be gained.
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Google Wallet Now Accepted at Bay Area Gap Retailers
Shoppers in the Bay Area will now be able to leave their credit cards at home, as the new mobile-phone based payment method Google Wallet is now being accepted at several San Francisco Bay Area Gap stores. The new payment method allows customers to pay for items with their phones, meaning they can pack lighter for their shopping excursions. While Google wallet is being accepted in stores all over the world, Gap Inc. has only recently added it to their list of accepted payment methods. However, use of Google Wallet in Gap stores is currently limited to 65 stores in the San Francisco Bay Area.r
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San Francisco Now Fourth Most Expensive City in US
According to a recent report from the Wall Street journal, San Francisco is the 4th most expensive city in the United States. The report takes into account a variety of factors that affect the general cost of living for San Francisco residents, including rent, food, commuting to work, and others. Using the cost-of-living index, the report was able to use a more complete picture to determine where San Francisco stands in relation to other cities in terms of how affordable—or unaffordable—it is to live there.
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How To Locate Car Title Loan Company That BestSuits Your Needs
Your car is an asset that can be used as collateral for quick loans to solve urgent problems. When you are in need of quick cash, you wouldn't want to waste so much time being in the queue to obtain a loan. There are several car title loan companies that understand this fact and so they do not request for so many requirements to give out title loans provided you have a car in good condition and few necessary documents like a government ID and your car title. Here are ways that you can locate a car title loan company that best suits your needs.
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Car Title Loans in Orange County
There are many reasons to take a car title loan using the equity in your vehicle. It is extremely common for people looking for fast cash to use their car as a means to a financial end. Whether to pay an outstanding debt or secure extra cash needed for a big purchase. Here are 5 reasons to take a car title loan.
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Emergency Cash in Bakersfield
The desert attracts all sorts of people from Califo ia and elsewhere. The quiet stillness is alluring and a refuge from the noise of city life. There is nothing quite like cruising through the desert with the windows rolled down, jamming to your favorite tunes, en route to some natural wonder or a historic town you have always wanted to visit. But so quickly a desert excursion can turn sour if you run into the usual car troubles. Whether it be a flat-tire, an overheated engine, or running out of gas, you always need to be prepared.
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Fast Money in San Jose
There are many reasons to need cash in a hurry. It could be an upcoming concert that you cannot miss or perhaps a shut-off notice on one of your utility bills. Whatever the reason, you should be aware of the various ways you can secure a fast loan when in need of emergency cash.
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Auto Title Loans in San Francisco
There are many ways for those in need to secure emergency cash. Whether taking a bank loan, a payday loan, pawning your belongings or doing an odd-job, there are pitfalls that can keep you from accessing emergency funds. Bank loans are notoriously hard to secure and if your credit is subpar, there is very little chance you will be qualified. Furthermore, bank loans can take a long time to process and you may need money today. Similarly, payday loans require credit checks and can often only lend hundreds of dollars. These paltry sums may not be enough for your pressing financial issue.
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Best Auto Title Loans in San Be ardino
When looking for the best auto title loans in San Be ardino, it is wise to be aware of a few key things. Many lenders portray themselves as responsible lenders who have your best interests in mind but the truth is, these are the same lenders who end up victimizing unsuspecting clients.
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How to get started
If you have outstanding loans and/or credit card balances, call your financial provider to discuss your options. Often, you qualify for reconsolidation and/or lower rates just by being an account holder. And in the meantime, read my blogs and articles for more consumer tips and financial insider info.