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DAvid lewis, a economic planner who lives in knoxville, tenn. , plans to use a cash advance from his mastercard to buy a used aperture for his 26 year old son, a professional shotters who doesn’t have a credit card. HIs son plans to buy the camera from an entity, not a store, and needs to use cash. WIthout his own credit card, the son has few options. “The market doesn’t have a lender for that, and if it does, you wouldn’t want to cross their door,” lewis says. HIs son will write the monthly checks to the credit card issuer to repay the loan, a generalship lewis hopes will put in his son to the habit of advance money and repaying it in a timely fashion. LEwis has done the math: using a promotive deal on his mastercard, the $2,000 cash advance will cost $2,114. 74. THat’s the amount of the advance, an $80 fee and a month’s worth of care at 4. 99 percent. HE says the worry and fee will be cheap that is, if his son pays the loan back within a month. LEwis is keeping his fingers crossed. “Cash loans work if you have the building to pay it off. IF you don’t, the corrections are pretty high,” he says. A dire crisis say your car has broken down, the engineer will only take cash and you don’t have your atm card in your wallet can also make a cash advance an all right option. EVen then, “think twice,” says the aicca’s jones. “It ought be a last resort. ” berg, with the timothy financial counsel, agrees, saying he’d rather see clients who need money sell a few exists than get a cash advance. WHat to consider before getting an advancewith that caution in mind, jones indications four questions to ask before getting a cash advance: can i pay the money back in a month?THat’s the only way to minimize sky high interest rates, jones says, adding that there’s really no way around the fee card issuers charge for cash advances. IS there any other way to feast this financial situation?COnsider all options even accommodation money from a family member, jones advises. “The only worse place is a payday loan company,” he says. DO i really need what i’m about to buy?”Impulse buying is a habit more than whatever,” jones says. NEed a car battery on a winter day, and the dealer won’t take a credit card and you forgot your atm card?GO ahead. A pair of jimmy choo shoes?THat brand new iphone?THink again. DO i need help?THe typical cash advance consumer is a cash crunched patron in need of a fiscal makeover. “They must be for about style of living changes,” jones says.