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The real difference is the commission %, not the $25,000. He's saying if you get him a job at roughly $225-$275k, that is roughly 10% commission. The prior $3,000 offer was from a guy used to earning "6 digits" (probably barely above $100k), so lets say 3-4%.I'm not sure what the woman who offered $1,000 was used to as a salary. "Analyst that collects paychecks" sounds like she worked in a payday loan shark office, so lets say she made $25k (especially when she's thinking that the $1,000 offer would be her first paycheck). The offer is a roughly 3% commission.So really, the $25k is 3x the two previous offers, but also the stupidest. Anyone connected enough to land a total stranger a $225k job has probably little need for $25k. Even if he/she did want the $25k, the money wouldn't be worth the reputation risk if the guy turned into a dud.

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I agree that payday loans are bad news, but here are some nitpicky corrections:APR is not the same as the interest rate. APR is a formula created by government in an effort to provide an apples to apples comparison between loan products. It works well for large amounts and long terms (cars or houses) where costs and fees (which are included as "interest" in the calculation) are small relative to the loan amount. For a payday loan, where the amounts are small, the term is short, and the costs large relative to the loan amount, APR is not so useful. The cost for a bank to process a car loan is not too far off from a payday loan: some teller time + some paperwork, say $10. Then spread the same cost over a $20,000 car loan vs a $200 payday loan as a percentage

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Treasury launches tax refund debit card1/13/11 David Lawder -ReutersWASHINGTON (Reuters) – The U.S. Treasury said on Thursday it is launching a pilot program to deliver income tax refunds on debit cards for low- and moderate-income people who do not have traditional bank accounts.The Visa prepaid debit cards are designed to allow these taxpayers to receive their refunds much faster than with a paper check and avoid high fees for cashing those checks at currency exchanges or payday loan stores."This pilot program will provide low- and moderate-income Americans with a low-cost option for faster delivery of their federal tax refund," said Deputy Treasury Secretary Neal Wolin.The card can be used in everyday financial transactions, such as receiving wages by direct deposit, withdrawing cash, making purchases, paying bills and building up savings.The Treasury said it will mail letters next week to 600,000 low- and moderate-income individuals in the United States. The letters will invite these taxpayers to consider activating a MyAccountCard Visa prepaid debit card in time to have their 2010 federal tax refund directly deposited onto the card.For the entire article: