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spoke out against placing restrictions on payday lending, arguing that “misguided paternalistic regulation that deprives consumers of use of payday loans would probably force lots of cash advance cleveland to utilize a lot more expensive lenders or to do without emergency funds”. And along the same lines, Dr J. R. Clark, University of Tennessee Chattanooga, writing inside the September 2, 2008 issue of Exchange Magazine, indicates that “there is significant academic and market evidence that high-interest lending for example payday loans, despite their considerable — some would say astronomical — expense, reases the welfare of borrowers. Predatory loans, on the opposite hand, are loans obtained from the lender through deception or fraud, and do not improve the welfare of borrowers. It is really a disservice to the public to confuse loans that are truly predatory with those cash advance cleveland are simply expensive.” What kind of consumer makes all the most utilization of payday loans? Contrary to some common perception that payday lenders focus on the poor, recent findings appear to indicate that payday loans are attracting more “middle class” customers. Marketing research data published by Comscore rolling around in its July 2010 issue of ComScore Marketer showed that “the largest percentage of (individuals seeking short-term credit around the internet) earn between $50k-$74k.” The next time I think about payday lending, I am going that will put the niche in their proper perspective by remembering my plumber and his tools. The tools don't exist to ensure that I can love them or hate them. They exist so that a really specific problem may be solved. For that purpose they are wonderful. For any other purpose these are useless. A payday loan is the awkward-looking tool that I can call upon if when I really need it. And just like the plumber, I am usually the one in control; if I know how you can put it to use wisely, then I can definitely make it try to my advantage.
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