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In an American context the families who will use a payday loan are disproportionately either of black or Hispanic descent, recent immigrants, and/or under-educated.
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Once your employer has filled in the initial paperwork, the monthly repayment is paid automatically by your employer from the salary sacrificing amounts that come out of your pay.
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It's a type of advance organizer that requires the students to write down what they think they know and what they want to know before the instruction begins.
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Often, emergency funds are highly liquid, as bank notes and checking/savings accounts are the most liquid asset.
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Second, once the lending platform is established and the funding is in place, an issuer in an exempt offering has minimal ongoing compliance requirements with regard to the offering materials.
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