Archive for the ‘tips’ Category
Monday, February 9th, 2009
Pre-Cut Produce
Pre-cut fruits and vegetables didn’t even exist 10 years ago, but we spent more than $600 million on prepared salads alone last year. While grabbing pre-cut fruit and vegetables can help cut down on your time in the kitchen, that small convenience carries a big price. It’s safe to say you are paying at least double the cost for pre-cut produce vs. buying their whole counterparts. Another negative — you aren’t getting all the vitamins you think. Tests have shown that pre-cut vegetables, for example, start losing their Vitamin C once they are cut!
I bought some pre-sliced mushrooms on Tuesday and made them for dinner last night. They were on sale, so in this case they were cheaper than whole mushrooms… that is if I am able to eat them all. If I end up throwing any of them away it will be a waste. The thing is though, they were sliced so thickly, they might as well not have been cut at all. I had to cut each slice into at least 3 pieces. It’s a good thing I didn’t pay more for the pre cut, because it certainly wasn’t more convenient.
I think everyone knows that buying anything while out at the movies is a terrible idea, but when you look at the math, it’s just crazy.
According to a professor at the University of California-Irvine, you’re paying a 1,300% markup on that tub of buttery popcorn! When you do the math, $5.50 for that bucket of popcorn makes an ounce of popcorn more expensive than filet mignon!
Other money wasters include anything at eye level at the grocery store, brand name medications. Read more. If you have spent more than you were expecting to on groceries this month and need a little extra cash, a Payday Loan or Title Loan can help you out.
Tags: food shopping, groceries, saving money, tips
Posted in Articles, saving money, tips | No Comments »
Monday, January 26th, 2009
The definition of a personal loan is a small loan that is used for any personal financial reason. If a loan is given to an individual for personal reasons then it is considered a personal loan, whether it is secured by collateral or not. This is the true definition of a personal loan. When you decide you need a personal loan you have to consider whether or not you are prepared to offer collateral. Collateral is offered as security to the lender should you not fulfill the loan. Collateral reduces the risk of the loan to the lender, meaning you can get a loan you might not otherwise be able to get if you have bad credit. Title loans fall into the category of personal loans. They possess all the characteristics of personal loans. A title loan is granted when the borrower offers their car title or pink slip as collateral for a loan. Title loans are a great option when it comes to personal loans with collateral, because the borrower still gets to drive their car during the length of the loan, so there is no inconvenience to you as the borrower.
When looking for a personal loan, it is important to know that there are differences between those loans which are provided by banks and other types of lenders. Banks will usually only grant personal loans to individuals such as doctors, high-income individuals, or sole proprietors. Title loans offered by non-traditional lenders are granted to anyone that meets the simple title loan requirements. Status is not considered. All that most title loan lenders require is a clear car title, valid drivers license, proof of income, and the car for a vehicle inspection. These simple requirements mean title loans have a fast turn around when it comes to receiving cash. The distribution period for title loans is 24 hour or less. Talk about getting cash when you need it!
When you’re looking for a personal loan, consider how quickly you need cash, what the loan requirements are, and what resources you have at your disposal. If you are thinking about a title loan, contact your local title loan lender today!
Tags: 24 hour cash, auto title loans, car title loans, loan collateral, non-traditional lenders, Personal loans, quick cash loans, title loan requirements, Title Loans
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Tuesday, January 13th, 2009
The North American International Auto Show started Saturday, so we all will be getting that itch for a new car. Before you run out and slap a down payment on a new Prius, think about what you’re doing. If you don’t have a car payment, and your car is running great, the sole reason you want a new car is to upgrade. With the economy in the state it’s in today, most people want to make smart choices when it comes to money. If that new car smell starts to get to you, don’t forget the strain a monthly car payment will add to your budget.
In addition to saving monthly car payment you current car can help you get out of sticky financial situations. With an auto title loan you car or truck can get you the money you need to pay unexpected bills. You won’t have to worry about how to get to work either, because title loans are granted in exchange for the temporary possession of only the title to your vehicle. That means you get to keep your car, and get cash in your hands in less than 24 hours.
Compared to traditional lenders, title loan lenders have very relaxed loan requirements. All that most title loan lenders require is a valid drivers license or state photo id, verification of income, a clean car title, and an inspection of the car. There is no credit check.
Smart financial planning is built on paying yourself first (putting money into savings) and spending only on necessities. If you are fortunate enough to have a car that is paid off, you can use it to get a title loan, which can be used to pay off other major bills. When the average American has 8 credit cards in their wallet, consolidation of bills can make payments easier to manage.
Now that you have been given a chance to think about your options and learn about title loans, make the right financial decision for yourself. For more of the details about title loans, contact your local title loan lender.
Tags: auto title loan requirements, credit cards, debt consolidation, financial planning, new cars, savings, Title Loans, used car benefts
Posted in Personal loans, Title Loans, bad credit, bad credit, credit, credit cards, credit cards, credit checks, tips | No Comments »
Tuesday, January 6th, 2009
no moar waten fur cazzh
Waiting is hard when you need something now. Long traffic lights or lines at the post office can drive a person batty. Perhaps one of the most aggravating things to wait for is money, especially when you really need it. Everyone has to wait for their paychecks, but we expect it. But when an unexpected expense pops up, that wait can become almost unbearable. In this situation you might be able to call on your family and friends to borrow some cash, but what happens if they have their own debts to pay? In fact, I was just talking to my mother last night, about some upcoming expenses of mine. She said she would lend me some money, so that I wouldn’t have to acquire any debt, but she was already in debt herself and couldn’t afford to. Luckily these expenses of mine are not urgent and they can wait until I do have the spare cash. I just wish I didn’t have to wait. If I had needed the money now, if I was like most people I might look to the bank for a loan. However, loans from a bank usually take time to process the application. Additionally, most banks have very strict requirements for confirmations, verifications, and qualifications. To top it off, if you don’t have a certain credit score you won’t be able to obtain a loan. All together, it can take up to 72 hours for a bank loan to be approved.
If you can’t wait for your paycheck (or it won’t be enough), and a bank loan takes too long, the alternative is a title loan. Auto title loans, also known as pink slip loans, are loans that are granted to a borrower in exchange for the temporary possession of the borrower’s car title, or pink slip. The borrower gets the cash they need and still gets to drive their car. All you need to do to get a title loan is to fill out an application with references, bring in a clear car title, valid drivers license, proof of income, and the vehicle for inspection. The loan process takes as little as 15 minutes, and you get cash in less than 24 hours! It doesn’t get any better than that. No long lines, and no lengthy background or credit checks. To learn more about title loans visit your local title loan lender today. You can get up to $10,000 with a California Title Loan.
Tags: auto title loan, auto title loans, bad credit, california, car title loan, car title loans, easy application, fast cash, need cash, need money, no credit check, pink slip loans, quick cash, Title Loans
Posted in Personal loans, Title Loans, bad credit, bad credit, credit, credit checks, tips | No Comments »
Friday, January 2nd, 2009
It’s a new year again, and time to make resolutions. Right up there with resolving to go to the gym is managing debt. Why is this? Well, just think about the first time you were introduced to credit cards. For most people, college is the first time credit card vendors begin offering the promise of financial bliss. This flooding of college campuses occurred in the early 1990’s when the Discover Card was created and was really blossoming. Today, credit cards are offered you children 10 years old and younger. Toys R Us sells credit cards that children can use to purchase toys. These “credit cards” are actually a pre-paid cards, but subliminally they still send a message to children that credit cards are cool. What is often left unexplained are the consequences debt and how it can affect you for the rest of your life. Credit cards are a loan that uses your credit as collateral. Some families stress the importance of one’s credit as essential. Unfortunately, in most households, this importance is often neglected to be mentioned.
Luckily there are other loans types available that do not have negative effects on your credit. Sadly, these alternative loans, such as car title loans, don’t frequently come up when discussing financial recovery. Title loans use the borrower’s car title (or pink slip) as collateral for the loan. Not only are title loans easy to acquire, they do not use credit as a determining factor, and borrower gets to keep their vehicle during the life of the loan. Most lenders only require A clear car title, valid drivers license, proof of income, and the car for inspection, in order to grant a title loan. You can get cash in hand in less than 24 hours.
Before getting into debt, it is important to research the many ways of getting money when you need it. To learn more about title loans, contact your local title loan lender, get a Georgia Title Loan today!
Tags: auto title loans, car title loans, credit cards, georgia title loans, new years resolutions, pink slip loans, Title Loans
Posted in Good credit, Personal loans, Title Loans, bad credit, bad credit, credit, credit cards, credit cards, credit checks, tips | No Comments »
Tuesday, December 30th, 2008
I hope everyone had a great holiday. I know I did, but maybe you didn’t make it through the holidays in the best shape. Perhaps you have hit the limit on your credit cards and now you have to pay them back. You have been making phone calls all over town asking to borrow money. Banks have denied your requests for a loan because of your poor credit and maxed out credit cards. Now what? There are lots of people that are in this situation, especially this time of year. You may feel like there is nowhere else to turn, but if you are looking for another way to get fast cash, here is some great news for you:
When you need money to pay off bills now, or for emergencies, a title loan is a great option. Title loans are loans that are granted to the borrower in exchange for the possession of their car title for the length of the loan, also known as pink slip loans. Title loan lenders understand there is a demand for cash that is needed right now. Title loans supply the borrower with cash without a high risk. Title loans also require no credit checks and there is no long application process. All the lender asks from the borrower is a clean car title, a valid drivers license, proof of income, and the car for inspection. This is all the lender needs to put cash in your hands. Most title loans only take just 24 hours or less get processed and the cash distributed to you. What are you waiting for?
Contact your local title loan lender today! Get an Arizona Title Loan for up to $10,000.
Tags: arizona title loans, auto title loans, bad credit, car title loans, credit card payment, fast cash, holiday debt, maxed out credit cards, pink slip loans, poor credit, title loan, Title Loans, vehicle title loans
Posted in Good credit, Personal loans, Title Loans, bad credit, bad credit, credit, credit cards, credit cards, credit checks, tips | No Comments »
Monday, December 8th, 2008
Thanks to the rising prices of just about everything in the consumer market in the US, more and more people are finding they need to borrow a little money. Our bills don’t stop coming, they may even be getting bigger, and our debts don’t just go away on their own. Even if you make an effort to stick to a budget, unexpected situations can pop up that require cash. When these occurrences cause us to go beyond our budgets, borrowing money is often what we turn to.
The question then becomes, who can I borrow from? Friends, family, and banks are a few of the choices we have. Borrowing from family and friends might be the simple answer for some, but for others there is the risk of potentially damaging your relationship. Do you really want to be sitting across from your Uncle Leo at Christmas dinner when you owe him 500 dollars? Now that’s unpleasant! Most of us are familiar with the quiet glares that you get when trying to share a kitchen with someone you owe your half of the rent to.
Now lets explore the bank option for borrowing money. The downside of borrowing from a bank is that the loan process can take a long time just to be approved. Some bank loans take 48 hours to approve. After that, you still have to wait to get the cash you need. Some people also will have trouble even getting approved because of their credit scores. The need for money is universal, we don’t all have the best credit, some of us even have bad credit. Most banks require that a credit to check be done before even starting the rest of the application!
So what do you do when you can’t rely on family or friends, and banks won’t give you the time of day? There are still additional ways of getting the money you need, and when you need it. One of these options is a title loan. A title loan is a loan that is offered by an alternative lender which is provided to the borrower in exchange for the temporary possession of the borrower’s car title or pink slip. The borrower still gets to keep their car and get cash in their hands! All you need for a title loan is a clear title, a state issued ID card, and proof of income! There is no credit check! On top of that, the title loan application process is quick, there are just three steps:
Fill out a title loan application form, available online
Bring in your car to be inspected
Then drive away with as much as 10,000 in cash!
Tags: auto title loan, auto title loans, car title loan, car title loans, fast cash loans, pink slip loan, pink slip loans, quick cash loans, title loan, Title Loans
Posted in Good credit, Personal loans, Title Loans, bad credit, bad credit, credit, credit checks, tips | No Comments »
Monday, December 1st, 2008
What is a Cash Auto Title Loan?
An auto title loan allows you to receive cash fast without any hassle by using your car title as the collateral for the loan. Trying to get a loan today has become an increasingly difficult and lengthy process. Bad credit problems and high monthly payments are issues for many borrowers when trying to get a loan. Title loans allow the borrower to continue to posses their vehicle even when the loan is in motion.
The Benefits
When you need cash now, whether the money is needed for an emergency, or any other reason, taking out a title loan is a perfect solution. Traditional bank loans have a lengthy application process with wearisome approval procedures, meaning you may not even get the cash you need by the time you require it. With title loans, you receive the following benefits:
Easy Application Process
To apply for a cash title loan you only need the following things:
- A clean car title, free and clear of liens
- Your drivers license or state issued ID card
- The vehicle that corresponds with the title you are using for the loan
Bad Credit OK!
Title loans allow borrowers to obtain personal loans even if they have poor credit ratings. Any imperfections on the borrower’s credit report do not factor in to determining loan approval. Your car title is used in place of credit score requirements and acts as your collateral.
Instant Cash Money
Many things pop up in life that necessitate fast cash. It is common to apply for a loan with the purpose of receiving money for the immediate future. If cash wasn’t needed urgently, the borrower could wait until they have that extra money available. Pink slip loans allow the borrower to get funding same day. Many lenders will even guarantee cash available in 24 hours or less!
The Over All Picture
Auto title loans are a useful solution for any financial personal or business needs. Check with your local car title loan provider to learn more about the benefits of the title loans.
Tags: 1 day cash, 24 hour cash, auto title loans, car title loan, car title loans, fast cash loan, fast cash loans, fast personal loans, holiday spending money, Personal loans, pink slip loans, quick cash loan, quick cash loans, quick personal loans, rapid cash loans, title loan advantages, truck title loans
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Thursday, November 20th, 2008
Almost FREE to eat at local restaurants
Tracy Coenen
Nov 19th 2008 at 1:30PM
Filed under: Food
Run right over to
Restaurant.com, do not pass go, do not collect $200. But you DO get great restaurant certificates almost FREE. Normally the site sells $25 gift certificates for $10. Through tomorrow, you can get a $25 certificate for only $2 with the coupon code
SURPRISE.
It’s easy to find certificates if you search by your zip code. Be sure to read the fine print though… Many of the restaurants require minimum purchases or restrict the days on which you can use them. Even still, it’s a great deal! And getting your certificates is easy: You simply print them out at your convenience.
Beware… The site is slow because of heavy traffic. And make sure you opt out of any offers at checkout, because consumers have reported finding charges on their credit cards for these special offers. But I completed a purchase today, so I know the site is still working and the deal is still valid. What a great way for those who have cut back on eating out to have a little fun!
These may also make a good gift, if the receiver doesn’t mind the potential blackout dates, or a simple printout. The coupon code expires today.
Tags: food cost, gift certificate deals, holiday savings, restaurant deals
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Wednesday, November 12th, 2008
Landline Phones
There’s one big reason that people keep a landline at home: 911 calls. The landline runs off power from the telephone line itself (a neat precursor to power over ethernet) so if there’s a blackout, the calls still go through (unless you have a cordless handset, of course). And because a landline is tied directly to a single address, the emergency services know where you are.
But a cellphone is always with you, even when you’re hiding under the bed from burglars or murderers. What if your battery dies? Borrow another phone — there’s always somebody around. And if you’re stuck in the middle of nowhere and things get ugly, a landline won’t help you anyway. What about coverage? It’s true that cellphone coverage in the US is not exactly ubiquitous, but again, if you’re out in the sticks with no signal, you’re unlikely to find a landline anyway.
The emergency services still know where you are, too. Your rough location is tracked by the cell tower routing your call, so you’ll be directed to a local call center. With GPS enabled phones, things will only get better.
Burglar alarms? File under the caveat above. If you have a dedicated line, fine. Just don’t rent a second one just to hook up a handset you don’t need.
There’s one other problem with a landline, or rather, with your brain: You don’t remember anyone’s number anymore. Stick with the mobile, and learn to be less paranoid.
— Wired
Because we got rid of our DSL internet, we no longer need our land line (which AT&T had required we get when we ordered DSL). At least half the calls we got were from AT&T asking if I wanted long distance service, when I already have long distance on my AT&T cell phone, not to mention I didn’t want the land line to begin with. Land lines are dead. However… I get really bad reception in our apartment. I was thinking of doing Vonage, but it was more expensive. It needed to be cheap for me to even consider, because I could always walk out on to our porch or use my roommates phone if it was raining or something. Then I stumbled upon Skype. It’s less than $3 a month to call out. Totally worth it. And no taxes, which is great because just the taxes on our land line was $40 a month. I love saving money. Plus, no telemarketing!
The only problem now is that I may not get my bill credit for our DSL modem because I won’t have any more bills for it to be applied to (Uverse billing is separate for some reason). Hopefully they can send me a check.
Today is Pay Day!
Tags: 911, AT&T, cancel service, cell phones, cost cutting, cut costs, ditch land line, dsl, land lines, landlines, money saving tips, save money, saving money, skype, useless gadgets, voice over internet protocol, VOIP, vonage, wired, wired magazine
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