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The Department of Financial Institutions (DFI) created this report as an educational tool for policy makers and other interested parties. The statistics presented in this report represent data reported to DFI from all payday lending licensees for calendar year 2011. NOTE: DFI is not able to track data from unlicensed Payday Lenders. What is a Payday Loan? Payday loan companies offer small, short-term, high interest loans secured by a post-dated check. The consumer’s post-dated check is written for the loan amount plus a fee. The check is held by the lender for the loan period (term). At the end of the term, the lender may deposit the check or the customer may reclaim the check with cash. The legislature passed Washington’s first payday lending laws in 1995 under the Check Cashers & Sellers Act (RCW 31.45). DFI is the regulator of payday lenders in Washington State. What is Allowed in Washington State? Maximum Loan Term: Maximum Loan Amount: Maximum Fee: 45 days $700 15% on the first $500 10% above $500 Example: A loan for $500 + $75 fee = $575 A loan for $700 + $95 fee = $795 Payment Plans and Installment Plans Borrowers are entitled to an installment loan at any time prior to default. Borrowers do not have to pay a fee for the installment plan and have from 90 to 180 days (depending on the original loan amount) to repay the loan in a series of installments. The number of payday lending locations decreased 30% from year-end 2009 to year-end 2010, and decreased another 40% from year-end 2010 to year-end 2011. Overall, the number of payday lending locations has decreased 65% since its height in 2006.
In this Data Point we present the results of several analyses of consumers’ use of payday loans. The focus of the analyses is loan sequences, the series of loans borrowers often take out following a new loan. Key findings of this report include: Over 80% of payday loans are rolled over or followed by another loan within 14 days (i.e., renewed). Same-day renewals are less frequent in states with mandated cooling-off periods, but 14-day renewal rates in states with cooling-off periods are nearly identical to states without these limitations. We define loan sequence as a series of loans taken out within 14 days of repayment of a prior loan. While many loan sequences end quickly, 15% of new loans are followed by a loan sequence at least 10 loans long. Half of all loans are in a sequence at least 10 loans long. Few borrowers amortize, or have reductions in principal amounts, between the first and last loan of a loan sequence. For more than 80% of the loan sequences that last for more than one loan, the last loan is the same size as or larger than the first loan in the sequence. Loan size is more likely to go up in longer loan sequences, and principal increases are associated with higher default rates. Monthly borrowers are disproportionately likely to stay in debt for 11 months or longer. Among new borrowers (i.e., those who did not have a payday loan at the beginning the year covered by the data) 22% of borrowers paid monthly averaged at least one loan per pay period. The majority of monthly borrowers are government benefits recipients. Most borrowing involves multiple renewals following an initial loan, rather than multiple distinct borrowing episodes separated by more than 14 days. Roughly half of new
Usually, using your leased machine will produce income that tops the amount of the monthly payments. This lets you to extend the budget and lease or rent extra equipment for bigger jobs. In some situations 100% financing is available, therefore not even a down payment is obligatory. If your work is periodic or seasonal, lease terms are accessible to help. Lower initial payments or deferred payments are the most usual selections. Warning! What’s most significant is to understand precisely how extensive it will be from the period the machine is leased to when you will have the income in hand to make a payment.
4k TV Market report presents the detail analysis of different segments for global 4K TV market which includes: types, resolutions, display sizes, access platform. http://www.micromarketmonitor.com/market-report/4k-resolution-display-reports-1027259457.html
The report, "Heat Exchanger Market by Types (Shell & Tube, Plate & Frame, Air Cooled), By Applications (Chemical, Petrochemical, Oil & Gas, HVAC & Refrigeration), Classifications (MoC, Temperature Range & Fluid Types) & Geography - Forecasts to 2018" define and segment the global Heat Exchanger Market with analysis and forecasting of the global consumption revenue.
Surfactants market research report categorizes the global market on the basis of raw materials, types, applications and geography. “Global Trends & Forecast to 2019" defines and segments the amphoteric surfactants market with a thorough analysis and forecasting of the market volume and value till 2019. The value of the amphoteric surfactants market is estimated to grow to $1,023 million by 2019, at a CAGR of 3.7% from 2014 to 2019.
Test Report Power scythe STIHL FH Test number: 4474 Owner of the test certificate: Andreas Stihl AG & Co. KG D-71307 Waiblingen Postfach 1771 www.stihl.de Application field Tool with double-sided blade for cutting grass and scrub up to 2.5 cm diameter. Recommended in situations where the danger of flying objects needs to be reduced. Tool can only be used with the suitable engines provided by the manufacturer. Test item Hazard to surroundings Test result Very low, no rotational movement. The working principle is based on translational movements, which prevent kick-back and obviate the risk of flying objects (cuttings, stones, pieces of glass and metal). Handling Good, 135° variable blades with lockable points, so tool can be adjusted to suit the ground conditions and the engine angle. The blade can be folded towards the handle for transport. Cutting performance Very good cutting performance in scrub with hard stems. Reduced performance in short or thin grass and when cutting trailing plants. Assembly Simple, when used as an attachment the tool is clamped to the handle (2 screws); when used as a combi-tool, the cutter connects to the shaft of the engine. The angle is adjusted in fixed positions. Sharpening Requires special sharpening equipment. Occasional manual sharpening using a file is possible. Work safety GS-tested by TÜV-test centre Product Service (in combination with STIHL combi-engines and clearing saws) Description: Double-sided tool, comprising a gearing case, adjustable shaft connection and reciprocating blades. The tool can be used in combination with the following Stihl engines: As attachment FH for the brushcutters STIHL FS 85/R, FS 90/R, FS 100/R and FS 130/R As combitool FH-KM for the combi-engines STIHL KM 55/R, KM 85/R, KM 90/R, KM 100/R, KM 130/R and the backpack brushcutters FR 85 T and FR 130 T
[351 Pages Report] Biocides Market report categories the global market by Type (Halogen Compounds, Metallic Compounds, Organosulfurs, Organic Acid, Phenolics), Application (Personal Care, Water Treatment, Wood Preservation, Food & Beverages, Paints & Coatings). The global Biocides Market is estimated to reach $9.6 billion by 2018, growing at a CAGR of 4.6% from 2013. The high demand of biocides from water treatment, paints & coatings, and personal care will boost future growth.
[299 Pages Report] Polyamide Market report categorizes Global Market by Types (Polyamide 6, Polyamide 6-6, 11, 12 & 46), by Applications (Automotives, Electrical, Machinery, Consumer Goods, Textiles & Sports Wear), & by Geography Forecasting 2018
This report present an assessment of wind energy potential of Yola town, the Adamawa State capital based on the Weibull Model using 15yaers mean monthly wind speeds covering (1986-2000) taken at height of 10m. Power densities were found to range from 0.594Wm-2 in November to 2.802Wm-2 in April and energy density was found to range from 0.442kWhm-2 to 2.082kWhm-2. Principles of extrapolation were applied at a height of 30m using roughness of 0.214. Power and energy densities at this height, were found to range from 1.203Wm-2 to 5.672Wm-2 and 0.894kWhm-2 to 4.215kWhm-2 respectively. Weibull’s distribution parameters k, c and Г functions were also computed and their average values were 2.537, 1.408ms-1 and 0.634 respectively. The Assessment reveals that Yola is not a good zone for generation of electrical energy from wind. However, it can be suitable for wind mills for water pumping and grinding or milling pulses and grains. http://www.scirj.org/january-2014-paper.php?rp=P011481