Elena Ruiz - US Financer

A glass jar partially filled with coins next to a small calendar and a car key, representing a starter emergency fund goal

Elena Ruiz | October 27

Starting with a $500 or $1,000 emergency fund

A $1,000 emergency fund will not cover a layoff. It will[…]

A calendar showing a ten-week span beside a stopwatch and a stack of unsigned loan documents on a desk in Utah desert tones

Elena Ruiz | October 27

Utah Loan Laws: Payday, Title and Installment Rules

Payday lending is legal in Utah. The state sets no cap[…]

A piggy bank shaped like a retirement nest egg with a loan document and a clock beside it, symbolizing borrowing from a 401k

Elena Ruiz | October 26

401k loans: how borrowing from your retirement works

Yes, you can borrow from your 401k if your plan allows[…]

A Colorado mountain outline above a calendar showing six monthly payment marks, a padlock, and a capped finance document on a clean desk

Elena Ruiz | October 25

Colorado Loan Laws: Payday, Title and Installment Rules

Payday lending is legal in Colorado, but under tight limits. Since[…]

A red prohibition symbol overlaid on a payday loan document beside the Georgia state outline, with a small shield and legal scales representing consumer protection

Elena Ruiz | October 23

Georgia Loan Laws: Payday, Title and Installment Rules

Payday lending is illegal in Georgia. Under the Payday Lending Act,[…]

A crossed-out payday loan document beside a state law book and a protective shield, representing North Carolina's strict ban on payday and title loans

Elena Ruiz | October 21

North Carolina Loan Laws: Payday, Title and Installment Rules

Payday loans are illegal in North Carolina. The law that briefly[…]

A state outline of Indiana overlaid with a small loan document, a tiered fee scale, and a padlock representing borrower protections

Elena Ruiz | October 19

Indiana Loan Laws: Payday, Title and Installment Rules

Payday lending is legal in Indiana, but only under the state’s[…]

A personal check held under a clock beside a state capitol dome outline, representing Mississippi payday loan rules and delayed deposit transaction laws

Elena Ruiz | October 17

Mississippi Loan Laws: Payday, Title and Installment Rules

Payday lending is legal in Mississippi. The Mississippi Check Cashers Act[…]

A rate cap shield placed over a payday loan document beside the outline of Illinois state, with a calendar and a hand holding a pen nearby

Elena Ruiz | October 16

Illinois Loan Laws: Payday, Title and Installment Rules

Payday lending is still legal in Illinois, but since March 23,[…]

A post-dated check and a state seal on a desk beside a calendar showing a 31-day period, representing Tennessee payday loan rules

Elena Ruiz | October 16

Tennessee Loan Laws: Payday, Title and Installment Rules

Payday lending is legal in Tennessee. The Deferred Presentment Services Act[…]

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