Are Times Tough? A Payday Advance May Be The Aid You Need

Cash advance loans, also called short-term loans, offer financial solutions to anyone who needs some money quickly. However, the process can be a bit complicated. It is important that you know what to expect. The tips in this article will prepare you for a payday loan, so you can have a good experience.



Here are 5 things you need to know before taking out a home equity loan


Here are 5 things you need to know before taking out a home equity loan Borrowing against home equity can be a convenient way to access cash, but it also carries risk, as millions of Americans learned in the housing crisis of 2008. If you're considering it, here's what you need to know.



You should know the provisions of the loan before you commit. Lots of folks are amazed by the cost of these loans. Find out the interest rates for these loans to determine if they are right for you.

Cash advances can be helpful in an emergency, but understand that you could be charged finance charges that can equate to almost 50 percent interest. This huge interest rate can make paying back these loans impossible. The money will be deducted right from your paycheck and can force you right back into the payday loan office for more money.

If you're in trouble over past payday loans, some organizations might be able to offer some assistance. Many of them will provide free help in negotiating lower interest payments or consolidation services, which can really come in handy if you are trying to break the borrowing cycle.

Be very careful rolling over any kind of payday loan. Often, https://www.daytondailynews.com/news/payday-lending-crackdown-stalls-ohio-house/uAOm6EF8Y3HZFc3JRvNSOL/ think that they will pay on the following pay period, but their loan ends up getting larger and larger until they are left with almost no money coming in from their paycheck. They are caught in a cycle where they cannot pay it back.

If you take out a payday loan, make sure that you can afford to pay it back within one to two weeks. Payday loans should be used only in emergencies, when you truly have no other alternatives. When you take out a payday loan, and cannot pay it back right away, two things happen. First, you have to pay a fee to keep re-extending your loan until you can pay it off. Second, you keep getting charged more and more interest.

Before applying for a payday loan, make sure you understand all of the terms. A pre-qualification of many payday loan lenders is that the borrower must be employed. This makes perfect sense. Loaning money to a person with a stable work history carries less risk to the loan company.

Do some comparison shopping for cash advances. There are plenty of payday loan agents out there that have varying costs. Perhaps you come across a website that appears solid, only to discover a better one does exist. Don't sign on the dotted line without doing your homework first.

If you need a payday loan, but have a poor credit history, you may want to consider a no-fax loan. This kind of loan is just like any other payday loan, except that you will not be required to fax in any documents for approval. A loan where no documents are involved means no credit check, and better odds that you will be approved.

Call the payday loan company if, you have a problem with the repayment plan. Whatever you do, don't disappear. These companies have fairly aggressive collections departments, and can be hard to deal with. Before payday loans store locations consider you delinquent in repayment, just call them, and tell them what is going on.





When you can't pay off your loans, don't go into hiding. Sometimes, you could get an extension, as hiding will lead to harassment. Thus, if timely repayment is impossible, it is wise to negotiate additional time for make payments.

Avoid taking out more than one payday loan at a time. It is illegal to take out more than one payday loan against the same paycheck. Another problem is, the inability to pay back several different loans from various lenders, from a single paycheck. If you cannot repay the loan on time, the fees, and interest continue to increase.

The best tip available for using payday cash advances is to never have to use them. If you are struggling with your bills and cannot make ends meet, payday loans are not the way to get back on track. Try making a budget and saving some money so you can avoid using these types of loans.

Whenever you are applying for a payday loan, you should never hesitate to ask questions. If you are confused about something, in particular, it is your responsibility to ask for clarification. This will help you understand the terms and conditions of your loans so that you won't get any unwanted surprises.

There are money asap who get paid if you choose a specific lender. They may actually be an overseas company rather than a company within the US. You might find yourself stuck in a particular agreement that could cost you a lot more than you thought.

When applying for a payday loan, the loan officer request that you provide a government issued photo identification card or driver's license, a current utility bill showing your address and a recent paycheck stub. The address shown on your identification, utility bill, paycheck stub and personal check must all be listed to your home's physical address.

If you are worried about how a payday loan will affect your credit report, try to find a payday loan lender that does not have a credit requirement. This is a good option for those who have poor credit or no credit as well as those who want this loan to stay off their report.


Think about what you're about to do before applying for a payday loan. APR rates can vary from 300-800%! Consider that it costs about $125 just to borrow $500 or so for a couple of weeks. If you have absolutely no other options for getting this kind of money, the loan might be worth the cost.

Payday loan services are of great help to many people. However, when used incorrectly they can cause serious damage. This is why it is vital to get all of the facts before diving into a quick loan. The preceding tips will help you get the quick cash you need without the interest and fees you don't.

A Beginners Guide To Payday Loans

Are recommended you read thinking of getting a loan? While payday advances are quite the trend, are they right for your situation? This loan may be for you if you need to borrow money fast and your credit isn't that great. Prior to making a decision, read the piece that follows so that you have all the facts.

If you're thinking of getting a payday loan, it's important that you pay it back once it's due. Extending the loan will only result in a "snowball effect", compounding the interest fees and making it harder to pay back on the next due date.

Be aware of the deceiving rates you are presented. It may seem to be affordable and acceptable to be charged fifteen dollars for each one-hundred you borrow, but it will quickly add up. The rates will translate to be about 390 percent of the amount borrowed. Know exactly how much you will be required to pay in fees and interest up front.

If you are in the process of securing a payday loan, be certain to read the contract carefully, looking for any hidden fees or important pay-back information. Do not sign the agreement until you fully understand everything. Look for red flags, such as large fees if you go a day or more over the loan's due date. You could end up paying far more than the original loan amount.

If you are having trouble paying back a cash advance loan, go to the company where you borrowed the money and try to negotiate an extension. It can be tempting to write a check, hoping to beat it to the bank with your next paycheck, but remember that not only will you be charged extra interest on the original loan, but charges for insufficient bank funds can add up quickly, putting you under more financial stress.





Cash advance loans can be helpful in an emergency, but understand that you could be charged finance charges that can equate to almost 50 percent interest. This huge interest rate can make paying back these loans impossible. The money will be deducted right from your paycheck and can force you right back into the payday loan office for more money.

Some payday loan firms belong to or are rated by the Better Business Bureau. Prior to signing any loan documents, get in touch with your local Better Business Bureau office to ascertain if any complaints have been lodged against the firm. After finding complaints, you are probably better off finding a different company to do business with.

Don't sign up with payday loan companies that do not have their interest rates in writing. Be sure to know when the loan must be paid as well. Be suspicious of any company that appears to be concealing important information about their payday loans.

The best tip available for using payday advances is to never have to use them. If you are struggling with your bills and cannot make ends meet, payday advances are not the way to get back on track. Try making a budget and saving some money so you can avoid using these types of loans.

Payday cash advances have become quite popular. This type of loan is very small and typically does not require a long process to become approved. This loan is for a short term. These loans are short-term and this means an extremely high interest rate.

If you are having trouble paying back a cash advance loan, go to the company where you borrowed the money and try to negotiate an extension. It can be tempting to write a check, hoping to beat it to the bank with your next paycheck, but remember that not only will you be charged extra interest on the original loan, but charges for insufficient bank funds can add up quickly, putting you under more financial stress.

Always research a lending company before agreeing to a loan with them. Although a payday loan may seem like your last resort, you should never sign for one without knowing all the terms that come with it. Even look into the company's past history to make sure they are on the up-and-up.

Avoid making decisions about payday advances from a position of fear. You might be in the middle of a financial crisis. Think long, and hard before you apply for a payday loan. Remember, you need to pay it back, plus interest. Make sure you will be able to do that, so you do not make a new crisis for yourself.




5 Tips to Help You to Get a Small Personal Loan


5 Tips to Help You to Get a Small Personal Loan Even the approval process for small personal loans is quite simple. But you need to keep a few things in mind before you go ahead and apply for a personal loan. Here are some tips that will not only make sure you get the best deal but will also prevent your loan application from getting rejected.

1.   Check Your Credit Score
2.   Check Your Eligibility Criteria
3.   Do Your Research
4.   Read The Fine Print
5.   Plan How You Will Repay Your Loan


Demand an open communication channel with your lender. If your payday loan lender makes it seem nearly impossible to discuss your loan with a human being, then you may be in a bad business deal. Respectable companies don't operate in this way. http://www.philly.com/philly/news/crime/payday-loans-hallinan-lending-philly-rico-racketeering-trial-20171010.html have an open line of communication where you can ask questions, and receive feedback.

Friends and family are a good source to go to for money before taking out a loan. Even if you can't borrow all you need from friends and family, you might lower the amount of your payday loan. That can help you save a little money on interest and you won't have to give the loan company too much money back.

Cash advances should be your last resort. You can get in serious trouble with your money with these companies. Borrowers have to sign contracts that feature virtually no way of escape. You should always look for the best option with cash advance loans.


Before committing to a payday loan, be sure that the potential company you are borrowing from is licensed by your state. In the United States, no matter which state the company is in, they legally have to be licensed. If they are not licensed, chances are good that they are illegitimate.

Take notice of anything holding things up if, your payday lending process takes more than 30 minutes. This industry is so regulated, automated, and computerized that it is practically a science now. Any payday lending process taking more than half an hour should, probably be aborted in favor of another lender who knows what they are doing.

For individuals in a dire financial emergency, a payday loan can be a lifesaver. If you have to get yourself a payday loan, then you need to do all the research you possibly can on the company that's offering the loan. Avoid payday lender companies with bad reputations.

Most cash advances do not require a credit check, thus making them very tempting to both college students and those who suffer from bad credit. Although it is quite easy to get a payday loan, this type of loan will not help build credit. These lenders do not normally report to the credit bureaus, unless the payday loan is not paid.

As stated in delaware payday loan cash advance of the article, people have been obtaining payday advances more, and more these days in order to survive. If you are interested in getting one, it is important that you know the ins, and out of them. This article has given you some crucial payday loan advice.

Payday Advance Tips That Really Settle

If https://www.cleveland.com/open/index.ssf/2018/07/anti-union_group_threatens_to.html are in a situation where you are considering taking out a payday loan you are not alone. A payday loan can be a great thing, if you use them properly. To be sure, you have all the information you need to succeed in the payday loan process you should read the article below.



When looking for a payday loan vender, investigate whether or not they are a direct lender or an indirect lender. Direct lenders are loaning you their own capitol, whereas an indirect lender is serving as a middleman. The service is probably just as good, but an indirect lender has to get their cut too. This means you pay a higher interest rate.

When looking for a payday loan, do not settle on the first company you find. Instead, compare as many rates as you can. While some companies will only charge you about 10 or 15 percent, others may charge you 20 or even 25 percent. Do loan companies in delaware and find the cheapest company.

Fees that are tied to payday advances include many sorts of fees. You will need to learn the interest amount, penalty fees and if there are application and processing fees. These fees will vary between different lenders, so be sure to look into different lenders prior to signing any agreements.

You should have some money when you apply for a payday loan. In order to get a loan, you will need to bring several items with you. These items include proper identification, proof that you have a checking account, and three pay stubs that are fairly recent. Individual businesses will have their own requirements. Make sure you call ahead of time to make sure you know what items you'll need to bring.

Understand the law. Imagine you take out a payday loan to be paid back with by your next pay period. If you do not pay the loan back on time, the lender can use that the check you used as collateral whether you have the money in your account or not. Beyond your bounced check fees, there are states where the lender can claim three times the amount of your original check.

The number one rule regarding payday cash advances is to only borrow what you know you can pay back. For instance, a payday loan company may offer you a certain amount because your income is good, but you may have other commitments that prevent you from paying the loan back. Generally, it is wise to take out the amount you can afford to pay back once your bills are paid.

Do not use the services of a payday loan company unless you have exhausted all of your other options. When you do take out the loan, make sure you will have money available to pay back the loan when it is due, otherwise you may end up paying extremely high interest and fees.

To save money towards your payday loan, try selling items from home you never use anymore through online sites like eBay and Amazon. Although you may not think you have many valuable items to sell, you most likely do. Look through your book collection, cd collection, and other electronics. Even if you can only make a couple hundred dollars, it can still help.

If you are thinking about a payday loan, consider taking a cash advance on your credit card instead. Even if the interest on your credit card is high over 25% it is still cheaper than the interest rate on payday loan. With a fee of 15% on a two-week loan, which is pretty typical, the annual interest rate tops 400%.




Five essential home -buying tips


Five essential home -buying tips Be mindful of the inquiry stage. Once you decide to purchase an investment property, it's important to do everything you can to make sure your credit score stays as high as possible until the loan is approved and signed. Your goal is to land the best possible interest rate, because even half a percentage point can add tens of thousands of dollars of total interest payments to a 30-year loan (and affect your wealth-building abilities). During this time, things like continuing to make on-time payments on your existing loans can be helpful in maintaining your credit score.


Always know which state your payday lender is headquartered in. In regards to lending caps, there are different state laws. Payday lenders with questionable business practices often operate from the most permissive states, or even from outside the country. Once you learn the state they operate from, learn the state laws regarding lending practices.

On average, the typical payday loan amount varies between $100, and $1500. It may not seem like a lot of money to many consumers, but this amount must be repaid in very little time. Usually, the payment becomes due within 14, to 30 days following the application for funds. This could end up running you broke, if you are not careful.

Your credit doesn't matter much in a payday loan. Payday lenders will verify your source of income, and whether you have the means to pay them back. Some Internet options don't even do credit checks, instead simply relying on employment verification to make $700 available to everyone.

When you apply for payday cash advances, be aware that these lenders charge very high interest rates. Whenever possible, try to get a loan elsewhere, since interest rates on a payday loan can often reach 300 percent or more. While you still may want to borrow, just make sure you know this.


If you are having issues paying back your payday loan, let the lender know as soon as possible. These lenders are used to this situation. They can work with you to develop an ongoing payment option. If, instead, you ignore the lender, you will find yourself in collections before you know it.

You need to be aware that if the interest rate of a typical payday loan were expressed in terms of APR, it would be 651.79%. While interest rates differ for each state, they are high no matter where you take a loan out. Don't think your rate is lower just because it is not listed anywhere. You just might have to find it in the contracts fine print.

Pay your loans back on time. Debt can snowball on you, but none can get you into a financial hole more than payday advances. The interest rates are eye-popping. If you have an outstanding payday loan right now, pay it off quickly. Weekly or bi-weekly payday loan fees can run into hundreds and even thousands of dollars.

If you need a payday loan for a bill that you have not been able to pay due to lack of money, talk to the people you owe the money first. They may let you pay late rather than take out a high-interest payday loan. In most cases, they will allow you to make your payments in the future. If you are resorting to payday loans to get by, you can get buried in debt quickly. Keep in mind that you can reason with your creditors.

A payday loan is a fast alternative to bank lending. The bad thing about getting a payday loan sometimes is the fees and interest that is associated with them. Apply the tips you have learned here to help you make a smart decision about getting a payday loan.

Beware That Payday Advances Don't Take Control Of Your Financial Resources

Payday advances can be a real lifesaver. If you are considering applying for this type of loan to see you through a financial pinch, there may be a few things you need to consider. Keep reading for some helpful advice and insight into the possibilities offered by payday advances.

Before applying for a payday loan have your paperwork in order this will help the loan company, they will need proof of your income, so they can judge your ability to pay the loan back. Take things like your W-2 form from work, alimony payments or proof you are receiving Social Security. Make the best case possible for yourself with proper documentation.

Research various payday loan companies before settling on one. There are many different companies out there. Some of which can charge you serious premiums, and fees compared to other alternatives. In fact, some may have short term specials, that really make a difference in the total cost. Do your diligence, and make sure you are getting the best deal possible.

Sometimes, you may not qualify for the sum of money that you request. This really depends mostly on how much money you take in every paycheck. Lenders determine your earnings and establish your credit limit for borrowing purposes. Therefore, understand this when you are setting your expectations for a loan.

Make sure that you know how, and when you will pay off your loan before you even get it. Have the loan payment worked into your budget for your next pay periods. Then https://www.pymnts.com/loans/2018/texas-court-rules-against-cfpb-payday-lending-act-delay/ can guarantee you pay the money back. If you cannot repay it, you will get stuck paying a loan extension fee, on top of additional interest.

Make sure you thoroughly understand all the fees associated with a payday loan. A lender might want to charge you an additional $30 for a $200 loan. This figures out to about a 400% interest rate per annum. Therefore, it is optimal to pay back your loan immediately so the fees don't rise.

When you apply for a loan, be sure you only take a loan for an amount you are able to repay. Many times, you'll be offered a lot more than you need. Don't be tempted to borrow all that is available.




Borrowings: Got your loan? You must keep these top 6 tips in mind


Borrowings: Got your loan? You must keep these top 6 tips in mind Once your loan is sanctioned, make sure you pay the EMIs timely as it boosts your credit score and reflects favourably on your credit report as well. However, any kind of delay or misses in payment pulls down your score and you also end up incurring penalties and fines. Such delays are mentioned in your credit report and can adversely affect your future loan applications. Missing payments successively may lead you to getting blacklisted by the lenders and you can even be labeled as a defaulter. Therefore, ensure you pay every EMI in full and in time to avoid incurring any charges and damaging your credit score.


If you have to take out a payday loan, make sure you read any and all fine print associated with the loan. If there are penalties associated with paying off early, it is up to you to know them up front. If there is anything that you do not understand, do not sign.

It is important to repay your loan in full and on time. The lender will automatically debit your account on the agreed upon due date, so you can avoid bank and lender fees by making sure the full amount is available. You might find other companies that would extend the time needed to pay back your debt.


Make sure you don't lie when you're filling out the payday loan application. Don't think this will assist you in obtaining the loan, the reality is companies that provide cash advance loans are accustomed to dealing with applicants that have poor credit and shaky job stability. Using deception on your loan forms will only cause issue if discovered, and hurt your chances for money now or in the future.

Only borrow the amount of money that you absolutely need. For instance, if you are struggling to pay off your bills, then this money is obviously needed. However, you should never borrow money for splurging purposes, such as eating out. The high interest rates you will have to pay in the future, will not be worth having money now.

If an emergency has arrived, and you had to utilize the services of a payday lender, be sure to repay the payday advances as quickly as you can. A lot of individuals get themselves in an even worse financial bind by not repaying the loan in a timely manner. No only these loans have a highest annual percentage rate. They also have expensive additional fees that you will end up paying if you do not repay the loan on time.

Consider the fees of any payday loan you're taking. You might think that you can easily spread one check over two pay periods. On average, payday consumers wind up paying back roughly double what they borrowed before they are on their own again. Be sure to figure this unfortunate fact into your budget.

Anytime you seek a new payday loan, you must appreciate the high interest rate you are sure to be charged. If https://www.desmoinesregister.com/story/opinion/editorials/2018/02/07/payday-lenders-trump-mulvaney/315643002/ can, try and get the money from somewhere else because it is not uncommon for annual interest rates for a payday loan to exceed 300%. While a payday loan may still make sense for you, make sure you factor this in.

Those of you looking to take out a payday loan should only do so as a last resort. Cash advances have really high interest rates so you could pay around 25% of the original loan. Consider all other alternatives before you settle on taking out a payday loan.

Limit your use of payday loans to emergency situations. It can be difficult to repay such high-interest rates on time, leading to a negative credit cycle. Do not use payday cash advances to purchase unnecessary items, or as a means to securing extra cash flow. Avoid using these expensive loans, to cover your monthly expenses.





Although the cost of taking out a payday loan is not cheap, it really only causes large concern when you do not pay the loan back on time. Even with sky-high interest rates, typical payday cash advances are due in one to two weeks. This does not provide much time for large amounts of interest to accrue. If you cannot afford to pay the loan back in time, however, the interest becomes a big, expensive problem.

Try to limit your use of payday loan services to those strictly recommended to you by someone personally. Going to a stranger for money can really leave you vulnerable, so ask friends who they might turn to and likewise, share good information you have with others to keep them on the right path as well.

Take a payday loan only if you need to cover certain expenses immediately; this should mostly include bills or medical expenses. Do not get into the habit of taking cash advances. The high interest rates could really cripple your finances on the long-term, and you need to learn how to stick to a budget instead of borrowing money.

Getting a short-term loan can be just the thing you need to help you through a hard time. These loans can be a great help, but only if you have all the information you need. Use these tips to help you take decisions about getting a payday loan, and you can get through these tough times more easily.

What You Should Understand About Terms Of A Payday Advance

Are you having financial difficulties and need some extra cash? Payday loans are quite common, but are they the best option for you? Cash advances are best suited for those who are in urgent need of cash and have a lackluster credit history. Before you decide anything, read this article to gather some extra information.


New Tool Helps Students Find College Loans


New Tool Helps Students Find College Loans There is also information available to borrowers on repaying their student loan debt. The website explains when borrowers will have to begin repaying their loans and how to avoid getting scammed by illegal debt relief companies. It also walks borrowers through the steps they can take to lower their monthly payments or qualify for loan forgiveness.



One key tip for anyone looking to take out a payday loan is not to accept the first offer you get. Payday cash advances are not all the same and while they generally have horrible interest rates, there are some that are better than others. See what types of offers you can get and then choose the best one.

Always take the time to carefully research any loans you are considering. Never go with the first loan provider you encounter. Evaluate and compare several lenders in order to find the lowest rate. Of course, researching can take up valuable time, and you may need the money in a pinch. But it's better than being burned. It might be possible to find a website that helps you make quick comparisons.

A great thing to remember when applying for payday loans is that you always need to be aware of the interest rates. Never sign anything until you fully understand the terms. source for this article that don't give you all the information up front should be avoided as they are possible scams.





When you are applying for a loan, be aware that your will be giving out personal information. Because it may be required that you give out personal information, realize that some scams exist. Verify that the company has a legitimate privacy policy and is a reputable lender.

Be very careful rolling over any kind of payday loan. Often, people think that they will pay on the following pay period, but their loan ends up getting larger and larger until they are left with almost no money coming in from their paycheck. They are caught in a cycle where they cannot pay it back.

If you ever ask for a supervisor at a payday lender, make sure they are actually a supervisor. Payday lenders, like other businesses, sometimes just have another colleague come over to be a fresh face to smooth over a situation. Ask if they have the power to write up the initial employee. If not, they are either not a supervisor, or supervisors there do not have much power. Directly asking for a manager, is usually a better idea.

You should look to the BBB for information about your lender before signing with them. Prior to signing any loan documents, get in touch with your local Better Business Bureau office to ascertain if any complaints have been lodged against the firm. If you find complaints, you may want to try a different loan company.

Do not make your payday loan payments late. They will report your delinquencies to the credit bureau. This will negatively impact your credit score and make it even more difficult to take out traditional loans. If there is any doubt that you can repay it when it is due, do not borrow it. Find another method to get the money you need.

Try not to rely on payday advances to fund your lifestyle. Payday loans are expensive, so they should only be used for emergencies. Cash advances are simply designed to help you to pay for unexpected medical bills, rent payments or grocery shopping, while you wait for your next monthly paycheck from your employer.

Only borrow the amount of money that you absolutely need. For instance, if you are struggling to pay off your bills, then this money is obviously needed. However, you should never borrow money for splurging purposes, such as eating out. https://www.nerdwallet.com/blog/loans/what-is-a-payday-loan/ will have to pay in the future, will not be worth having money now.

Discover More is a good practice to look for the best loan rates before filling out payday loan applications. There are usually businesses available locally, which can offer different terms than those found online. Doing this could save you a lot of money on excess charges.

Always choose a payday loan company that electronically transfers the money to you. When you need money fast, you do not want to have to wait for a check to come through the mail. Additionally, there is a slight risk of the check getting lost, so it is much better to have the funds transferred right into your bank account.

Most payday loans have high interest rates. Some cash advance loans interest rates can exceed 300%; look into other options before you take a payday loan. You may find it necessary to borrow anyway, but at least you'll be doing so with your eyes wide open.

Do not let the opportunity of getting cash quickly keep you from making a wise decision. Too many people approach payday cash advances as an easy solution to cover their bills and end up in debt. You need to think about your decision carefully and make sure you can afford to pay back your loan.

You'll need phone references for your payday loan. The payday loan office will need your telephone number for your home phone, your cell phone and your place of employment. The might also ask for references.

It's very advantageous to establish a good relationship with your payday lender. This will allow you to borrow again in the future, should the need arise. Be certain to choose a good payday lender and stay loyal to that lender.

Many sites have customer reviews of loan agencies. Research each and every lender you are considering very carefully. Check each company thoroughly before committing to a loan from them. This will assure you that you are working with a reputable company and not a scam artist.

Never associate yourself-esteem with the payday lending industry. You are not a bad person because you have to take out a payday loan. Things happen to everyone. Likewise, just because payday lender employees give you money does not mean they love you. They are, in fact, only doing business and are giving you your own money in advance, in exchange for more of your money.

Since you now have some more information on cash advances, you can put your knowledge to work. Remember that a payday loan is a temporary solution but could be the best way to take care of an emergency. You can be happier about your finances by just going to a payday loan location and asking for help.

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