Whats the deal with Title Loans?

"Fast Cash”, “Bad Credit OK!” “Instant Approval!” are phrases you hear all the time with title loans. This is because title loans have an easy application process and quick turn around time to receive money for the loan. Many view these factors and relate them to bad deals, or red flags regarding the lender, understandably so. However, title loans are not as high-risk as you'd think.

A title loan is another kind of short-term loan, usually no longer than 30 days. The borrower’s car title is used to secure the loan. In a title loan agreement if the loan is not repaid, the lender may send out a repo man and gain possession of the car. It's definitely a good idea to repay these loans if you want to keep your ride.

That being said, it's easy to understand why most title loan lenders do not even consider credit at all.

is probably the number 1 site out there for title loans.


Wall-e anyone?

Is anybody going to see this today?
I can't wait until Sunday!




gotta love the lolcat.

So many bills!

Prices are rising almost everywhere. Forget inflation. The rising cost of energy is not only driving up prices at the pump, but everywehre else too...Everything must be shipped sooo when it costs more to fuel the trucks that ship stuff...stuff gets more expensive!

In a perfect world, our wages would accommodate these rising prices but this just isn't so. It's what led me to find new work last Spring. I worked for a big corporation and even they couldn't help. I had to resign after they denied me a well-deserved raise.

This whole thing almost seems impossible. What happened to the golden days of the late nineties? At least, it felt like everything was so much better back then. (Maybe it's because I was a teenager!)

Basically, people need to learn how to stop spending so much and grasp the ability to save. This is easier said than done, obviously. What happens when an emergency arises? I like to keep at least $1000 ready to go in case the doo-doo hits the fan.

I'm reluctant to admit however, that sometimes its not so easy to have all that money available. Especially if you're just starting to save money. Life is crazy, you never know what can happen!

There is another way to solve these problems! Payday and title loans are short-term loans that can provide assistance during these trying times. They can be valuable tool. I like what PayCheckATM.com has to offer.

The great thing about these loans is that most of the lenders make them available via the world wide web, the funds are directly deposited into your bank account and some lenders can have the transaction completed within 24 hours.

There are 4 items needed to obtain a payday loan:

A valid driver’s license or state issued ID
An active bank account
Verification of Employment
Verification of residency
You can always find more info here...at the CFSA website.

Or visit a few more lenders to see what I'm talking about.
RPM Lenders.com




Getting my life organized!!!

I'm sure I'm not the only one who talks about reorganizing everything on a daily basis. My girlfriend, tired of hearing me complain over and over again, surprised me the other day when she told me to "s**t or get off the pot."

Now I'm always good about paying my bills but sometimes surprises come up even when trying to be as organized as possible. That happens to me sometimes...a bill pops up that I forgot about. The usual culprit is my memory and lack of a reminder system...I'll get an email notification to may my internet bill weeks before its due, i'll trash the e-mail and completely forget.

Then we're stuck with late fees because we had to wait an extra few days to get paid, have the money processed through the bank and actually get the bill taken care of.

I've discovering a quick and fast way to pay your expenses when you need it without having to wait until you get your weekly or bi-weekly paycheck. Payday loans!!!

A payday loan is like a cash advance. It allows you to obtain cash now and pay it back when you actually get paid. Think about the times that you may have to ask Mom or Dad to “borrow” money and “I’ll pay it back when I get paid.” It’s sort of the same concept with payday loans.

The good thing about payday loans is that approval of your loan often takes little to no time to get. Many lenders have it set up to where the money gets deposited directly into your bank account. There you have it, instant cash and immediate access to needed funds.

There is interest that is tagged on to the loan but that's to be expected. It is best to try to pay the loan amount back as quickly as possible. For those that cannot pay the total amount at the time of payday, many lenders have payment options available.

PaycheckATM.com and USAPayDayLenders.com are great places to start.

It's really important to spend some time doing research and compare interest rates per lender. It's much better to get organized, budget out your expenses and determine what is a priority and what is not....like that big screen tv you want that just went on sale at Best Buy. Yeah...probably not a big priority if you haven't been saving up for it.

Here are some other excellent resources you should be checking out if you're thinking about using these services.





Save your gas, ride your bike!

A buddy of mine in South Florida sent me this information. I'm seeing more and more stories like this pop up all over the place. I don't know about you but I think I've found one good thing about the rising cost of fuel.

Check out this story from the South Florida Sun-Sentinel.

In May, more than 68,000 bikes were loaded onto Broward buses, an increase of nearly 6,000 since March, according to Broward County Transit. The agency did not have comparable numbers on bike ridership for 2007.

Palm Beach County buses also are packed with bike riders, although the numbers aren't tracked, Palm Tran spokeswoman Liliane Agee said.

Ralph Cunningham, 55, started riding his bike to work in Boca Raton years ago to stay healthy. Now, the high gas prices are what motivate him to leave his Chevy Blazer behind at his Oakland Park home.

On weekdays, Cunningham bikes eight miles and rides Tri-Rail to the church where he works in maintenance and food service.

Cunningham said the number of bike commuters on Tri-Rail jumped around the time gas prices hit $3 a gallon.
Its especially awesome in South Florida where pubic transportation has never really been so effective. I have family and friends down there so I know a little about the area.

For those of you unfamiliar with South Florida...it's huge. Systems like the Miami Metro Rail or Broward and Palm Beach bus services, seem to be useful for customers who live further east, closer to the Atlantic Coast and downtown areas...but there are even more folks living in suburbia, out west. For them public transportation can be useless. Especially when you like 20-30 miles West of your office building.

With $4 average gas prices, I think you'll see more and more people taking advantage of new routes. I myself once lived in a similar situation. I was living in the suburbs, about 20 miles from my office building downtown. Luckily for me, there was a bus route about 5 miles from my house. I used to ride to the bus stop, load up the bike, and get bussed all the way east. When it was quitting time, I'd do the same thing going back out West.

This is great for sooo many reasons and can be applied to benefit your financial situation, your health (biking is a great cardiovascular exercise and is also good for your knees and legs...duhh) and environmentally speaking, it's one of the greenest things you can do (especially since many cities are starting to use more efficient, hybrid and/or bio-fuel powered buses.)

check out NYC's fleet of hybrid-diesel buses.

When I took advantage of the bus system, I was going to school AND working so I had to save as much as I could. I've mentioned it before but sites like The Community Financial Services Association of America have more some great tips to get your savings back on track.

Think about it...Instead of spending $60-$70 a week for your car, you can spend less than that amount in a month alone for bus. For example, the Palm Beach bus system's monthly unlimited pass is only $55.

I'm definitely a little more optimistic about the "energy crisis." As far as gas prices are concerned...I say "bring it on." In the end, I think we'll look back and see how it caused us to adapt with all-around better solutions.

Also think about NOT voting for people who think they can solve our energy problems by either shaving a small tax off the price of fuel or by drilling for more oil (and possibly sacrificing environmentally protected areas to do so). Write your leaders and tell them how you feel. Link to my blog post, even!!! :)