Plan for Your Taxes Ahead of Time
The IRS does not accept tax returns until mid to late January, but there is no time like the present to start planning for your taxes and be that much closer to a possible tax refund.
The IRS does not accept tax returns until mid to late January, but there is no time like the present to start planning for your taxes and be that much closer to a possible tax refund.
The holiday season can be a stressful time for many people. For others it can be a time of excess. Either way, don’t let that stress and excess give you a financial hangover. Plus, the holiday shopping season seems to start earlier every year, making that stress longer as well. According to a 2017 survey by RetailMeNot, 54 percent of consumers plan to begin holiday shopping before Black Friday.
If you have ever had a personal loan application denied by any traditional lending institution, it can leave you with limited options. There are many reasons a bank or traditional lender might deny a loan. Because banks have very stringent underwriting guidelines to determine who is credit worthy they may deny applicants who do not have the best credit histories.
Achieving and maintaining financial fitness starts with having the right information. It is important to understand the key components of a healthy financial outlook and how to optimize them to your advantage.
It can happen to anyone at any time - you’re navigating along through life just fine when, without warning, an unexpected expense comes out of nowhere. You may not have enough funds saved to cover the cost, so now you need money and you need it fast. The question you ask yourself is, "where do I turn to get money for my financial emergency?"
Around August 1st every year the newspapers and television are filled with Back to School ads. It’s a reminder that summer is almost over, and the kids will be going back to school soon. Back to School shopping can turn into a money pit for parents who are not mindful of all the items that need to be purchased for school.
A 2018 Identity Fraud Reporti produced by Javelin Strategy & Research, shows the number of identity theft victims increased to 16.7 million in the U.S. This is an 8% increase from the previous year. Despite industry efforts to prevent identity fraud, the study shows that identity thieves stole from 1.3 million more victims in 2018 and the amount stolen increased to $16.8 billion. The types of identity fraud continued to move online and away from physical stores due to embedded chip cards. It was reported that fraud is getting more complicated, meaning identity fraud criminals are opening more new accounts to compromise accounts consumers already have.
You may have noticed recently that your grocery bill is climbing. Food costs are increasing in America, and it can take a big bite out of your monthly budget. However, everyone must eat!
The current generation of young adults could be facing the most uncertain economic future of any group since the Great Depression. Crushing student loan debt, stagnant wages, growing economic disparity and the after-effects of the 2008 market crash are just a few of the burdens young adults must carry as they try to manage their financial situation.
There are generally certain requirements to qualify for an installment loan. The good news is that you don't always have to have perfect credit. You do need to have steady income, prove your identity, and have an open checking account in good standing, among other requirements.
Why do you need a bank account to get a loan? That is what we're going to answer for you here as well as give you some added incentive to open an account if you don't have one already.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR A LOAN – To help fight the funding of terrorism and money laundering activities, and to comply with Tribal law and the spirit of federal law requiring all financial institutions to obtain, verify and record information that identifies each person who applies for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license number or other identifying documents.
* Loan approval, and amounts are based on minimum income amounts, other credit criteria, and verification of the information you provide during the application process. Big Picture Loans, LLC (“Big Picture Loans®”) will run credit checks on all applicants and may review credit information from specialized credit bureaus. Big Picture Loans reviews and approves all loans on Tribal land at its office located at E23970 Pow Wow Trail, Watersmeet, MI 49969. If your application is verified and approved by 5:00 p.m. CST, you will generally receive an ACH deposit on the next Business Day. Business Day means Monday through Friday excluding all federal banking holidays. The loan documents and authorizations, including the loan agreement, depend on time-sensitive factors. Despite our best efforts, unavoidable delays in the review process can happen. If we are unable to verify your information within two Business Days after you submit your application, the loan documents and authorizations may need to be modified to accurately reflect certain payment disclosures, and you may be required to carefully review and submit new documents reflecting these changes.
** Returned payments, late payments, and non-payments may result in additional fees, charges, or collection activities pursuant to the terms of your loan agreement and as allowable under Tribal and applicable federal law.
*** Big Picture Loans is a wholly owned subsidiary of Tribal Economic Development Holdings, LLC, a wholly owned and operated economic arm and instrumentality of the Lac Vieux Desert Band of Lake Superior Chippewa Indians (“Tribe”), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the Lac Vieux Desert Tribal Financial Services Regulatory Authority, an independent regulatory body of the Tribe, and operates in accordance with the Lac Vieux Desert Band of Lake Superior Chippewa Indians Tribal Consumer Financial Services Regulatory Code, which can be found here: Tribal Consumer Financial Services Regulatory Code.pdf.
If Big Picture Loans approves your loan it will be governed by Tribal law, applicable federal law and your loan agreement. The laws of your resident state may have interest rate limits and other protective laws that are more favorable. If you wish to have your resident state law apply, you should consider taking a loan from a licensed lender in your state. Availability of installment loans
You can contact us at Support@BigPictureLoans.com or at PO Box 704, Watersmeet, MI 49969-0704. To access a copy of Big Picture Loans Privacy Notice, please click here: Privacy Notice. Any unauthorized reproduction, distribution, or disclosure is prohibited without Big Picture Loans’ express written consent.
Consumer Notice:
Our loans should be used for short-term financial needs only, not as a long-term financial solution. Individuals with credit difficulties should seek credit counseling. For more information, please see our Financial Wellness Page.