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What About the Other 90%??

If a woman is on her back 10% of the time, what is a man bringing the other 90% of the time? But, don’t judge a book by it’s cover. This book provides tools for women to deal with the undertow that undermines the very thing they say they want.

By Chanda R. Mitchell

EBOOK/ISBN-ISBN-13: 978-0615739328
USD: $14.99/CAD: $17.99

ON SALE: April 1, 2021GENRE: Nonfiction/Personal Growth/Self-Improvement/Spiritual Growth



Cash Advance Apps—What You Ought To Know. How Direct-to-Consumer Cash Loan Apps Work

Unforeseen costs can shock perhaps the most useful of us. Paycheck advance apps for customers touting lower or no charges have popped up as one substitute for high-interest payday loans—but many people are worried concerning the possible drawback among these apps.

If utilized precisely, they are able to allow you to avoid a bank overdraft charge, or offer quick money to tide you over until the next paycheck, stated Martin Lynch, manager of training at Cambridge Credit Counseling Corp., a nonprofit credit counseling solution, via e-mail towards the Balance. Some apps provide revolutionary cost management tools, low-interest credit-building loans, along with other choices, he stated.

However some https://1hrtitleloans.com/title-loans-me/ attended under appropriate scrutiny due to the charges or monthly membership dues they charge, so that it’s important to comparison-shop before applying for an app’s offer. Let’s look at exactly how these apps work and whether they’re a good option for you.

How Direct-to-Consumer Advance Loan Apps Work

Direct-to-consumer paycheck apps allow users get an advance loan, typically against the next paycheck or deposit that is direct. The total amount advanced level is immediately deducted by the software in one single swelling amount whenever it is due, which, with regards to the application, could be once your paycheck is deposited in your money. Samples of direct-to-consumer apps consist of Earnin, Brigit, and cashLion, and others.

Some apps additionally provide “advances” (usually $100 or less) to users, and quite often non-members. These improvements could be a type of automated overdraft security or available for an as-needed foundation if qualifications are met.

Other styles of wage advance apps work straight together with your boss: Earned wage access (EWA) apps need your boss to decide in if your wanting to can access wages currently received yet not yet compensated. These include DailyPay, PayActiv, FlexWage, Branch, and also.

Apps may charge for a monthly membership, require a membership cost, or demand optional recommendations.

Direct-to-Consumer Apps: Features and Charges

Apps can be a good complement those people who have steady work, understand their budget’s restrictions, and will spend the money for solution choices provided, Lynch stated. Listed here are typical software features you’ll probably see:

  • Optimum quantity: Apps advance or protect shortfalls typically between $20 and $1,000 per pay period, with demands to settle the advance that is first taking out fully another. The common among six apps evaluated by The Balance is about $200, excluding Earnin that is an outlier advancing up to $500, or $1,000 for a few people whom route their paycheck through an Earnin account that is virtual.
  • Tips: Most apps, such as for instance Earnin, Dave, cashLion, and Empower, demand optional guidelines. Some have actually a variety, such as $0-$14; some set limitations on tips—such as as much as 20percent associated with advance. The user that is average of application Dave tips $1, based on an agent.
  • Subscriptions: Some apps need you to spend a month-to-month membership charge to gain access to an advance. These subscriptions will come with additional monetary tools, such as for example credit building tools, identification theft security, and more income earning (side-gig) opportunities. Subscription charges associated with apps we surveyed range between $1 and $9.99.
  • Quick access: if you want money for a crisis, you almost certainly want it now. Varo provides no-fee instant distribution as does Earnin via its Lightning Speed feature (if you qualify). Along with other apps, you may want to spend a surcharge for instant delivery—up to $5.99—or wait up to five days, with regards to the software.
  • Charges: Varo could be the only banking application we surveyed that charged a set charge for use of money; the software is not presently recharging charges for improvements, but states it intends to resume 3/31/2021. Other apps may charge tips that are optional require a compensated membership.
  • Extra features: Apps might also provide economic administration and banking solutions, and benefits or commitment programs. But consider any costs that are ongoing the many benefits of joining. For instance, a $19.99 each month membership is needed to access MoneyLion’s Credit Builder Plus, which is sold with credit monitoring tools and reporting solutions, and ability to get installment loans. (A registration is not required to access MoneyLion’s Instacash.)

Money Out via Earnin Express

Get an advance within 20 moments with connected debit card for no fee that is extra

Things to Look Out For

Advance apps may be riskier wagers for folks residing paycheck to paycheck, particularly if you don’t browse the small print, Lynch noted. Customers should consider the annotated following:


Qualification requirements can include a regular reputation for direct deposits, regular usage of your bank checking account, along with other factors.

To be eligible for particular features like increased advance quantities or access that is instant you may want to join an affiliated bank account, show your “bank account wellness,” meet minimum direct deposit demands or spending patterns, or effectively repay earlier in the day advances.

Apps may or might not accept deposits of unemployment checks, earnings from one or more manager, or payments that are irregular freelance work.

What About the Other 90%??

What's Inside?

  • An understanding of why women choose the men they choose
  • The purpose for which a woman was created
  • A little about Chanda’s life
  • Insight into the basic needs of a woman
  • How powerful a man can be in a woman’s life


When Chanda Mitchell told me that she was going to write a book on the 90% that women are missing out on from men, I was intrigued by the title, “What About the Other 90%?” I thought the title was extremely thought provoking and the question needed to be asked and addressed and answered and not by a man but by another woman who’s been living it out in real time.

In our society we desperately need women authors to rise up and speak to the heart of where their readers live through every day and bring answers to the table that make sense.

Wray Wade
City Council Member at City of Longview

Ms. Mitchell was a welcoming addition to my media team during my re-election campaign for Longview City Council. Most recently she assisted me with interviews with a local television station, which went incredibly well.

Haley Brooke Griffin
Owner of DuBeck& Co

Awesome program! They really helped me with business ideas and even gained business for me. Great experience with Momentum Builders, LLC..

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ADDRESS, PO Box 6453, Longview, TX 75608