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 Even if you are financially strapped, there are better choices. Jim Blaine, chief executive of the non-profit North Carolina State Employees Credit Union, says A loan shark only charges about 150 percent. Why would you go pay 4 percent? Any other choice on the planet is better. (Source: Paying More For Payday Loans). The Federal Trade Commission (FTC) and several financial experts point out the following options:  http://noy-2014.info apw warmer

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