Real Life Title Loans #4
By Title Loans Master | January 13, 2012
In yesterday’s post on Real Life Title Loans we discussed how a title loan can be a great idea if you have emergency doctor bills. In this post we are going to discuss how a title loan from 1-800LoanMart can help someone who works on commission. If you work on a commission structure you already know that there are some really good times and at times things can get real slow.
In sales there are weeks you make thousands and weeks where you might only make enough to pay for gas and food. Sales are typically up and down like that. If you can manage your money well enough you can prepare yourself for a downswing, but in the case that you can’t you do have options! If you are working a huge deal and you know that the sale is going through, but you don’t get paid anytime soon a title loan is the perfect loan for you. It allows you to get the money you need now and when you get the money from your job you can pay it back. LoanMart allows you to pay back the loan over a certain amount of time. If you pay it back fast you pay less interest.
Another thing in sales or working on commission is that a lot of sales people get paid on the back end. That means you might not get the money you worked for until the end of a fiscal quarter or year. If this is the case indeed a title loan is something that you can take advantage of to put the cash you need in your hands when you need it.
If you are a sales person or even a real estate agent you know that you do not have a steady income and when you need money to pay your bills a title loan is the perfect loan for you.
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Real Life Title Loans #3
By Title Loans Master | January 12, 2012
In yesterday’s post on Real Life Title Loans we discussed how a title loan can help you with home repairs. Today we are looking at how a medical emergency could create an instant need for cash. It’s a truly good thing that as Americans we have access to many different types of medical resources, but just because we have access doesn’t always mean we can get the medical attention that we need. Sometimes unfortunately doctors and medical service providers have policies that require payment in advance.
One of the more used reasons to get a title loan when having a medical emergency is dental work like, a chipped tooth, a broken veneer, or even a child’s braces. Dentists typically make you pay at the time of the visit. Most medical insurance companies have little to no coverage when it comes to dental. We had a lady that needed extra money to pay the oral surgeon that was working on her son’s mouth. The kid fell on the playground at school and his 4 front teeth, all adult teeth, were knocked out. Lucky for them the teeth were not broken and they were placed in salt water fast enough to salvage them.
If you have serious back problems another place not always covered is your chiropractor. What is good about this place though is that if you pay upfront say for 10 visits you can usually get a pretty good discount. These kind of medical professionals sometimes cost a lot of money and when they do its nice to know you have a place like 1-800LoanMart that can get you a loan.
Have you ever broken your glasses and had to drive yourself to the eye doctor? I have certainly done that. Then I had to get the money for the glasses and come back when they were done. If you need contacts or glasses chances are that they are also not covered on your insurance and if you are broke and can’t afford them when you need to see, a title loan is what you need.
This concludes today’s post of real life title loans! If you have a real life title loan you want to share please post below and stay tuned for tomorrow’s blog on real life title loans!
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Real Life Title Loans #2
By Title Loans Master | January 11, 2012
In yesterday’s post on Real Life Title Loans we discussed how business owners have utilized our services. Today we are going to talk about how emergencies at home might require a title loan. If you are a home owner you know for certain and understand that anything can crop up and cause you to need some fast cash.
The most common need for money in your home would be a new appliance. If the furnace goes out, the refrigerator stops working, your air conditioner breaks, or your water heater is on the fritz you might not have the thousands of dollars it requires to fix or replace the unit. That’s where we come in handy. 1-800LoanMart can get you money in a fast way so when an appliance at home malfunctions or breaks completely you have the funds to cover it.
Countless times we have helped spouses or parents use a title loan from one car to fix another vehicle that is busted. Most commonly used in this situation is a transmission that has broken down. But we have also repaired cars that have been in accidents. We have even provided loans to people that have gotten another car impounded. The daily fees at some places match our monthly payment plans in most cases. So it doesn’t take a rocket scientist to know that the cost of a title loan would be the right solution if your loved one has their car stuck in a tow yard and can’t afford to get it out.
1-800LoanMart has given loans to families that have leaky roofs and are afraid of the mold build up. We have also seen plumbing problems cause so many problems getting new pipes was a must to also prevent mold. If something in your home is broken it might be a bigger issue than you think. Anytime there is leaking water and there is air to come in contact with that water mold is an issue. Don’t wait around till you have the money to fix a problem like this. If you have ownership of an automobile you have the money sitting in your driveway.
No matter what your specific money need is at 1-800LoanMart there is a real solution. Each day we prove to be the place people go when they need some extra help. We will be here for you when you need us too!
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Real Life Title Loans #1
By Title Loans Master | January 10, 2012
A title loan is thought of as a way to get cash you otherwise couldn’t wait around for. While this is partly true there are many more reasons how a title loan can benefit someone or even many people. Today I am going to talk about how business owners can benefit from a title loan and how we have provided services to them in the past and it has helped.
A lot of attorneys have small offices where it is just them and a receptionist. While they might be great lawyers their pay is based on how many cases they due and then they are reliant on someone they perform a service for to pay them. While that is the case the bills are still coming in and the receptionist needs to get her weekly salary. We have given title loans to attorneys in this exact same situation where they needed to pay the rent or an employee and they simply needed to barrow the cash for a day or so.
We have also lent money to contractors. Many contractors do not get money up front for a job they charge all the money when it is complete. While this is a good way to do honest business it is not always that easy for a contractor to fork over thousands of dollars. For example, we lent a guy who was only short $3,000 on supplies. He already stuck $20,000 of his own money into a job and he just needed some extra money and he needed it fast so naturally he couldn’t sit around and wait for a loan from his bank.
There are a ton of companies that are starting up these days and a lot of them are doing this online. When someone starts a company they indeed do the research of how much it may cost them to get the company going and speculate how long before there is any return on investment. Since a return on investment can only be a speculation there are shortages of liquid money at times. Or maybe the company is doing so good that it has purchased goods and has already sold them but has a demand for more but because they haven’t collected the money from the prior goods they can’t get the new stuff for the new customer. We have given new business owners money to buy goods that have been damaged and an insurance claim is in progress. We have provided cash to small business owners who need to pay personal bills.
No matter what the reason is people need money for a title loan is a quick and easy solution. You can get cash money in your hands much faster with a title loan than any other loan and you can get a lot of it. Depending on where you live and what the state regulations are you could get up to $30,000 for a title loan. Check in tomorrow for another segment on Real Life Title Loans.
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Money Saving Websites #4
By Title Loans Master | January 9, 2012
Today’s section on Money Saving Websites I am going to tell you about places online you can go to get group discounts. These are sites you can go to and purchase discounts from thousands of different places in your area. Most of the deals are aimed towards families and groups of people.
LivingSocial has it all! Every place in your area that wants to drive in business uses LivingSocial. No matter where you live you can get a great deal on things you like; mini golfing, haircuts, restaurants, movies, hardware stores and much much more. They even have a section specifically for families. This site knows how to put together deals. Another great idea they came up with is a way for you to get your deals for free. First you purchase the deal you want. Then you will get a voucher in your email you can print off. After that you will get a link to share with your friends. If you share the link with three people that buy the same voucher you get the voucher for free. I have gotten free vouchers numerous times because my friends bought the same deals I did. If you want a great idea for a night out with friends or if you have a girlfriend or boyfriend you want to take out this is the place to go for a huge deal.
Groupon is the hottest group discount place on the internet. It works like just like LivingSocial, you enter your zip code and you can see all the deals in your area. They have a section for anything you can think of; food & drinks, beauty & spa, activities, coffee & treats, gift & shopping, automotive, health, and pets. You can choose the category you are searching or view all the deals at once. I use this site all the time. I eat sushi a lot. They have half priced sushi on here consistently. What’s great about that is that it has so many sushi restaurants on it I can try many different places for half the price. They have done something amazing to their site by linking all the places you can save to Google maps and to the places personal website. This way you can see where it’s located and check reviews on Google and then you can go over their menu or description on their own site. Give this place a browse next time you are planning a nice date or an event with friends or family.
Both LivingSocial and Groupon have apps for the iPhone and Android devices. Their apps will automatically find your location and bring up all the deals nearby. So if you are out and about and looking for something fun to do or good to eat you can get a great deal while you are at it. I have literally saved thousands using these two sites. Try them out yourself and see how much you save!
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Money Saving Websites #3
By Title Loans Master | January 6, 2012
Today’s section on Money Saving Websites I am going to give you 4 places that are on the very top of my list because of how they run the website and the deals they offer. These places focus mostly on groceries and a couple of them have deals on everything from coupons for oil changes to deals at local restaurants.
SmartSource is has two parts to it. They have a built in search engine that can help you search your local stores to see who has the best deals on what and it is all updated regularly. They also have a huge section of printable coupons. This place is one of my favorites because it helps me find deals without having to print anything out and will even tell me the prices of products of multiple places.
GroceryGuide is just a search engine for deals at local stores. What is awesome about it is that you can pick the store you plan on going to or you can pick multiple stores. They do have some printable coupons but nothing like any of the other places in this post. What they lack in printable coupons they make up for in recipes. They have a wonderful selection of meals you can prepare and step by step directions on how to make them.
ValPak is the next online place to check out for sweet deals. I am sure everyone knows what ValPak does because of the bulk mail they send out but they are online and they are online in a major way. This site is vast and very up to date. They have deals on office supplies, restaurants, automotive, and health. All complete with coupons you can print out. They tell you how close the places are and you get to pick and choose what deals you want unlike their envelope they send out which is overloaded with things you usually don’t want. You can set up a profile and they will send you special deals on things that you have interest in based off of what coupons you have used in the past.
RedPlum has it all. They have provided a place with all categories. They have printable coupons and a special discount card you can even use to load the coupons on. You can print the coupons without registering or you can get a loadable card to put them on if you want to register. It is very easy to select individual stores you want to shop at or you can select the best deals.
There is no one place I have found online that can make up for what other coupon sites lack. Together they all have a great purpose and it’s to save you money. If searching online for ten minutes after you have made out your grocery list is worth saving hundreds of dollars a month then you should give any of these sites a try.
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Money Saving Websites #2
By Title Loans Master | January 5, 2012
This is part 2 of places online you can go to find the best deals. For those who love saving money this will be a good read no matter what you are shopping for.
Coupons.com is where I go when I know what I want and even when I am looking for something new to try from the grocery store. They have deals on all types of foods and the coupons can be used where ever the foods are sold. They also have a variety of coupons on cleaning supplies. All you have to do is print out the coupon and take it with you to the store.
Shortcuts is probably my favorite out of all the places I have gone online to find deals on groceries. You do have to register but it is well worth it. You can search any category and navigation is simple and easy. They do have deals on cosmetics and cleaning supplies too. You can create a profile, get printable coupons, find cash back savings, and much more. Once you set up your account here you will be amazed at the deals they have.
CouponCabin has printable coupons and they have online codes you can enter at check out to get special deals. Another thing I like about them is that they work with mostly all the big stores like Home Depot, Wall-Mart, and Target. This place is a must go whether you are shopping online or planning a trip to the store.
CouponMom is a special place for mothers but anyone can use it. They have printable coupons for grocery stores and for specific items. You can get deals on restaurants, online stores and they even have sections on how to make shopping easier. There is a free samples section which I have never used but for those who like free stuff and who like to try things out before they shop this option is very promising.
Whether you are shopping from home or you want to go to your local market give these places a go before you are ready to buy.
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Money Saving Websites #1
By Title Loans Master | January 4, 2012
There are a ton of places to go online to find deals. A lot of online sites are designed to help shoppers find the best deals possible. In this post I am going to tell you about some of the sites that I think are the best.
Coupious is a huge favorite of mine. It’s not actually a website. It is a mobile app. They have made an app for the iPhone, android and blackberry. What makes this app so special is that it uses your actual location to pin point the places that are closest to you that have deals. It has coupons right on the app, so when you are out and about you can show the clerk the coupon and get your discount. You simply click “use now” on the app and you are good to go. The app is free in the market of all three mobile devices.
CoolSavings has a very wide selection of coupons. It has many free coupons and you can buy stuff directly from them. I have found a great deal of items on there that I would have paid close to double for had I bought them at a merchant location.
Adpera is another site that will get you some great deals. Adpera searches all the e-mail ads from retailers and they put them all in one place for you to browse. You can search for anything you can think of with its convenient search bar or you can browse for deals. This place is amazing and extremely vast.
CouponAlbum is literally the place to go for all of your hot deals. They have deals on everything. This place has it all. From electronics to food and everything in between it really is the only place you need to go. I am not a paid advocate of CouponAlbum but when I am doing my weekly shopping I go here first to see what deals they have. If I am shopping for gifts I come here.
All of the places I have listed in this edition of Money Saving Websites have their own place. If you are out and about there is Coupious. If you are planning a big meal or you want to find a deal on an appliance CoolSavings and CouponAlbum are the places to go. Last but not least if you are looking for a special kind of deal unlike one you will find anywhere else but an email campaign then Adpera is for you.
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Financial News Reporting from 1-800LoanMart on New Year’s Resolutions
By Title Loans Master | January 3, 2012
I am sure every year you say well this year I am going to quit smoking or I am going to lose weight. I too am guilty of saying these things and not really accomplishing them. A big factor in that is I have been too lazy and I never really knew the benefits besides my health to losing weight or quitting smoking. Here are a few tips on why it is good to stop smoking and start losing weight. If you are a smoker you pay an average 14% higher for your insurance. Obese people pay a whopping 22.6% more. Some insurance companies give out gift cards and special incentives to people who don’t smoke and are maintaining their fitness.
Use the coupons and the deals companies offer to get you in the door. The buy one get one deals are there at most stores to get you in the door. They hope that you will find other products you like while you are there and are willing to take a loss on that item while making a bunch on other stuff. The coupons serve the same purpose they want to get you in the door and when they do you go shopping. So use the deals they have when you have to go shopping.
Make a budget for yourself. It is easy to get intimidated in something you think may be complex, but a budget does not have to be hard at all. All you need to do is take a look at your income. It can be on a monthly basis or a weekly basis. Get an idea on exactly how much you are bringing in. Once you have how much money you are bringing in you want to gage how much of your expenses are necessary. Keep things like house or apartment payment, food, phone bill, cable bill, and electric and gas bills on the list as priorities. Than take a look at how much money you spend on fast food or on lotto tickets. If you are paying someone to clean your car or mow your lawn, do it yourself. After you have analyzed all your income and then your expenses you should start by cutting away unneeded things and try to start by saving at least 20%.
Topics: Financial News | 1 Comment »
Financial News Reporting from 1-800LoanMart on World Markets
By Title Loans Master | December 30, 2011
As a nation we did alright as a whole especially in comparison to some of the other markets in the world. The Dow is up 6% for the year, the S&P is up 4% and the Nasdaq is down 1.5%. All in all these are some pretty small numbers but if you look at the way our economy has been in 2011 you will know this is a big deal. We at some points in our markets were down as much as 150 points.
A lot of our fellow countries were not as successful as us. In Asia the Hang Seng ended 2011 down 205, The Shanghai SE Composite is down 21.7%. In Tokyo, Nikkei ended the year 17.3% down. Taiwans TSEC 50 Index down 21.2%, London’s TSEC ended below 5.6% and the Swiss Market Index left us 7.8% in the red for the year. Pretty much all overseas markets besides London and Zurich took a hit over 10% last year.
Good news that the Euro actually increased a bit on trading for the last day in the 2011 market, after a 17 month low versus the dollar in Thursdays trading. They can thank an auction of Italian bonds for that.
To be part of the world that was limited to the only real increase in the market is a good thing but it doesn’t mean we are not in trouble financially. We need to gain some stability and work on making our nation stronger in resources. I believe in the American dream and I know you do too. If you have anything to add for this years end on the market please comment.
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Financial News Reporting from 1-800LoanMart on Unemployment Ending In The Week Of December 2012
By Title Loans Master | December 29, 2011
Things are still looking up for the economy in America coming to this years end. We got to see the lowest number of people in almost 3 years waiting in the unemployment line but this last week, which ended on December 24th, was not that great. There were 15,000 more applications for unemployment added to the toll last week and that is a pretty high number considering how much we had dropped in December so far.
Even though in one week we raised the number of people seeking unemployment we still had a great month. Surveys at Briefing.com say employers have added 150,000 jobs in December and 120,000 in November. These are both very big numbers and something that our public should be happy about. It has been hard on a lot of people these past few years and it is really good to finally have some good news to report. That being said I am not going to say how shocked I am that in one week 15,000 people applied for benefits. There is a lot to do with the seasonal trends that’s accounts to these numbers I would assume.
We have hit national numbers as high as 9.2% in 2012 and we are at a steady 8.6% right now. Some predict a raise to 8.7% but other others believe we will slowly decrease. If you have been unemployed and have maybe given up on looking for work or been discouraged from getting turned down for a job. Right now employers are creating more jobs and they are looking to hire people who have been out of work.
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Financial News Reporting from 1-800LoanMart on our Nation’s Debt
By Title Loans Master | December 28, 2011
Our country has been in debt now for a long time. It has gotten to the point that there is no plan of debt relief that can even help, or so it seems. In August there was a debacle over the debt increase and that was made. A $2.4 trillion increase to the debt ceiling was set into play with $400 billion starting immediately and $500 billion following in September. The final phase of that increase is about to happen and the Republican House wants to block it.
The block in the national debt ceiling can only come about if both the House and the Senate pass a resolution against it. Since the Democrats have control of the Senate this is a long shot. Even if a joint resolution were to be passed the president could veto it. Most of our Congress is on a holiday until the 17th of January and because of that lawmakers may not even get to introduce any resolutions because of the 15 day window.
How will this affect the general public? That is really where the concern lays. The answer is that it will have very little effect on the economy in the instant. Our nation has been talking about a plan to get out of debt for over a decade. It seems that with increases like these we will be in debt a lot longer then we thought. If you have any thoughts on this please post here.
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Financial News Reporting from 1-800LoanMart on Minimum Wage Rates
By Title Loans Master | December 27, 2011
In Arizona, Colorado, Montana, Ohio, Oregon, Vermont, Florida, and Washington the minimum wage is rising from 28 to 37 cents per hour in the beginning of 2012. The rates in these states are already above the federal minimum wage of $7.25. There are a total of 18 states right now that do have minimum wage rates above the federal minimum wage rates and ten of them raise their rates each year to make sure their rates reflect an increase in the cost of living. While Missouri’s rate is under the federal minimum the rest of the states are at least at the $7.25.
This increase of rates will add to between $582 to $770 increase for full time workers. This is expected to increase consumer spending and adding $366 million to our nation’s gross domestic products. In turn, this will create more than 3,000 full time jobs.
There is still another issue in our country. We were granted an extension in the payroll tax cut until February. The payroll tax cut is set to have workers pay only 4.2% into social security on the first $110,100 of their wages which is 2 percent less than the normal 6.2% rate. If the extension is not approved for all of 2012 Americans in a low income will lose hundreds while workers making over 6 figures will see thousands of dollar loses.
All in all the wage increase will help offset the payroll tax. If the tax cut gets another extension than we will all see an increase in spending. It is also safe to say that a lot of the people working for minimum wage are not going to be aware of the payroll tax break. Usually people in the lower income ranges do not pay as close attention to what they are paying during tax season. This is all speculation but it is something to think about. Basically if we get the payroll tax cut alongside the wage increase it will add to another boost to the economy. This is promising for Americans who are expecting to get out of this economic slump we have been in.
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Financial News Reporting from 1-800LoanMart on Unemployment Benefits and the Payroll Tax Deal
By Title Loans Master | December 23, 2011
Many of the unemployed Americans have been waiting on some sort of reply to the federal unemployment benefits extension. Today we got some good news, kind of. Congress made a deal to extend the unemployment benefits until February 29th of 2012. It was scheduled to end on December the 31st of 2011. Two months does not seem like a fair extension to those in need of the money but it is indeed a start.
The payroll tax cut was extended till February, also. This means that workers will only pay 4.2% on the first $110,100 of their wages into social security. Our legislation is dedicated to ensuring that in January Americans who work will not see a reduction and the long term jobless will not see an interruption in the unemployment benefits. What about the Medicare Doctors? Medicare doctors have been given a break since 2003. Well if by break I mean not taken something they deserve away then yes that is what I mean. Under our law Medicare repayments to doctors must be reduced whenever those payments surpass a certain target and that target has been surpassed every year since 2003.
We have now seen another extension in the Medicare “Doc Fix” the bill that is set to avoid 27% cut in payments to Medicare physicians. Getting these three extensions will, in my opinion, help with our economy. I say this because we are at a slow but steady gain to a more productive economy. Remember this is only a short extension some believe to get us thru the holidays. There will be more votes in January to see what will happen at the end of February. Until then have a happy holiday season and a Merry Christmas.
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Financial News Reporting from 1-800LoanMart on Saving and Investing
By Title Loans Master | December 22, 2011
If you are wondering how to get a head with your money you have then maybe you are asking the wrong questions. The question people should be asking is where not to invest their money in or what not to do with investments they have. When you have money it’s natural you want to use it to make more money. That’s the American dream.
There are a few things you should avoid doing with your money, or your credit for that matter, that I would like to point out. Stop borrowing from your 401K. You end up paying taxes on the money multiple times when you withdraw. What if when you take the money out you get laid off? Now you owe on the 401K and you have to pay interest on it.
If you read my report on bonds you already know how I feel about that. Any long term bond fund is never a good choice, in my opinion. If you do decide to choose bonds then choose an individual bond that you can hold onto until it matures. It is good to think about how the economy affects bonds and when yields rise the price of the bonds drops.
Stop co-singing for people! I mean it. I have seen so many people get burned when they are trying to do something to help out a loved one. There have been situations in my own life where I needed a co-signer. I made good on my loan but what about those who are not responsible enough to pay their debts. The fact of the matter is people will need co-signers. Whether it is because they have poor credit, they don’t have enough credit to get the amount they need, or they don’t make enough money. In any of these cases co-signing would be a silly idea unless it is someone in your immediate family and then please be careful.
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