The saying is that deferred maintenance always costs more in the end.  Every American has been faced with this choice.  Your transmission needs to be repaired, or your check engine light has been on for a week now.  The best thing to do would be to fix the problem as soon as possible.  But what if you do not have the money?  Car repairs are among the most costly expenditure with which Americans must deal on a regular basis.  So, oftentimes, we defer maintenance against all of our better judgment.  Then, of course, the problem escalates and we are now faced with an even larger and more costly problem.  The difference is that now we do not have the option to defer.  It has become an emergency and we must repair the problem now.

On top of the now urgent nature of the repair, consumers must choose where to have their repairs done.  Should you go to the cheaper mechanic and save money, but always be waiting for the day your car just randomly breaks down on the freeway?  Or should you shell out the extra cash to a more expensive repair shop in order to assuage your fears and ensure that your car will be properly repaired?  These questions and decisions, too, can make a difference of hundreds of dollars on top of the average cost of the repair. Continue reading →

We all love the holiday season.  It is a time to enjoy our families, eat good food, and focus on the good in our lives.  While the merriment of the holidays is always emphasized, the many personal dangers associated with the holiday season are rarely discussed.  The holidays are notorious for having an increased rate of car accidents, drunk driving accidents, personal injuries resulting from home decorating with lights and a tree, slip and fall accidents, and consumer product accidents.  Personal injuries sustained by the victims in these accidents are often catastrophic and typically result in a pile of medical bills that can be very daunting to the average American – especially in the face of losses of current and future wages.  Victims are usually on the losing end of the subsequent legal settlements and are more than likely to receive an insufficient settlement, if any, which will leave the victim with medical and other costs which they are financially unable to pay.  The physical, emotional, and financial burden on families is great and often destructive.

If you or a family member is the victim of such a holiday injury and you are treated at the hospital there is a bill for that.  Moreover, what if you need rehabilitation? Or prescription medication? What if the accident involved the totaling of your car? Or the burning down of your kitchen? It is obvious that the costs can be extreme from any angle.  So, how is the average American able to deal with these astronomical costs after having just spent a small fortune on making a fun and happy holiday for your family? If you find yourself in such a situation, remember you have another option – a car title loan. Continue reading →

The holidays are quickly approaching and many Americans are in a worse financial position than they were this time last year.  Many of us now have underwater mortgages and have been laid off from our jobs by companies who do not have enough money to pay our salaries.  Moreover, the purchasing power of the money we do have is declining amidst the global financial crisis and the sharp increase in the United States debt.  Now, as December 25^th rolls around, we are expected to shell out large sums of money for a tree, a big dinner, and numerous presents.  With what money?

There is not one American consumer who want to be stingy when it comes to holiday spending, but at the same time people are really hurting and just do not have a substantial influx of cash to support such a lavish holiday.  If this sounds like the position you are in, you should absolutely consider a car title loan as your source of financing.  A car title loan is a loan against the equity in your car.  Car title loans are based on the simple idea that your car has value.  You can use that value as collateral for a title loan.  The benefits of getting a car title loan are numerous.  Title loans offer an easy application process, easy, no-hassle approval, quick cash for those purchases that cannot wait, and the opportunity to get more value out of your car by using it to get a loan while continuing to drive it.  The easy application process is evidenced by this short list of criteria that must be met.  Loan applicants must provide only:

• The Certificate of Title as proof of their clear ownership of their vehicle
• A wholesale value of the vehicle which is adequate security for the loan as determined by the lender
• A valid government issued photo ID card
• Proof of income which is adequate to cover the monthly payments
• Proof of full coverage auto insurance that includes comprehensive and collision coverages
• Verifiable contact information
• A spare key Continue reading →