The Neal James Website


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Reply JamesLed
3:33 PM on May 22, 2017 
A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday." The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries, and in federal systems, between different states or provinces.

To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. In the United States, the rates of these loans used to be restricted in most states by the Uniform Small Loan Laws (USLL), with 36?40% APR generally the norm.

There are many different ways to calculate annual percentage rate of a loan. Depending on which method is used, the rate calculated may differ dramatically; e.g., for a $15 charge on a $100 14-day payday loan, it could be (from the borrower's perspective) anywhere from 391% to 3,733%.
Reply Russell
10:01 AM on January 5, 2015 
Keep up the great writing and remember,,, I want a small part in whichever movie from your books comes out first. I wouldn't be apposed to a love scene with the starlet. :-)
Reply CK Webb
1:25 PM on August 8, 2014 
Love the site, Neal!!
Reply nealjames
4:50 PM on January 15, 2014 
Cheers Russ

It's not due for a while yet.

Just sent off the sample stuff for Day of the Phoenix.

Fingers crossed....
Reply Russell
8:50 PM on January 14, 2014 
Hey, your upcoming book Dreamkiller looks rather interesting. Keep up the great writing. You've done well with your writing talents.
Reply CK Webb
2:25 PM on February 11, 2013 
Just stopping by to say hi so... "Hi!!"
Reply nealjames
3:30 AM on October 23, 2012 
Thank you, Katrina. It's based on an aunt who died in 1986.

Good to see you on the site.
Reply Katrina P. Hough
5:44 PM on October 22, 2012 
I just read the Monthly Memoir. It was a very touching story.
Reply nealjames
5:41 PM on June 24, 2012 
Thanks Robbee
Reply Robbee Thomas
2:32 AM on June 24, 2012 
Saying hello. Really need to be more involved with your site. Har Har Har!