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Pawnshop companies make money by giving short-term loans to customers who offer jewelry, electronics, tools, musical instruments and other merchandise as collateral or by purchasing merchandise outright from customers at a steep discount. Loan terms are typically one to three months in length, with customers expected to cough up monthly storage and loan-servicing fees of 10% to 20% a month. If a customer fails to make a monthly payment, the pawnshop, following a grace period, can sell the item. (See the five big questions about retirement...
...bigger obstacle for pawnshop owners is legislation. The three public pawnshop companies also make so-called payday loans: short-term loans, typically seven to 30 days in length, that are not backed by merchandise. The loans typically carry interest rates of 10% to 20% for a two-week term, which translates into an annual percentage rate exceeding 300%. Industry experts say the APR is just theoretical since payday loans are meant to be very short term, lasting only until the borrower's next paycheck. Even so, a number of states, like Ohio, are imposing caps on the rates...
...have caused an accident, which type of automobile insurance would cover damage to your own car? A. Comprehensive B. Liability C. Term D. Collision 37% of high school seniors answered this question correctly
...where our MIT neighbors live)? Are you surprised that, in the Boston area, "Mad Men" was rented more in Harvard Square than anywhere else? Or that The Curious Case of Benjamin Button was the most rented film in all of America? Just some J-Term food for thought...
...bans are always rolled out general and mid-term elections in the Philippines, held every six and three years, respectively. The past three elections have each seen around 120 killings of candidates, supporters and Comelec officials, and around 250 violent incidents...