Archive for the ‘credit cards’ Category
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 »
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 »
Tuesday, October 28th, 2008
Hello world! Welcome to my new home on the web… icanhavepayday.com.
I finally have TV, AT&T U-verse. It’s awesome. Did you know that Paris Hilton has a show where she’s looking for a new BFF? How did I live without TV?
But seriously… The quality is great, the usability of the set top box/DVR is way better than the DirecTV my parents have. My roommate likes it better than my old TiVo… I like TiVo’s remote better, except for when I’d hold it upside down and rewind instead of fast forwarding. I’ll get used to it. I’m not thrilled about the price, but when I compared it to cable from Comcast, AT&T was actually cheaper. I also compared it to buying shows from the iTunes store and getting an Apple TV… That would have been cheaper, but we also would have gotten a lot less… just like the Sling. Not every show we wanted was available, and we wouldn’t be able to just sit down and watch whatever was on.
In other news I got my first credit card bill… and I owe nothing! I got a refund on the only thing I had charged to it.
Tags: AT&T, AT&T U-verse, cable, cable tv, comcast, credit, credit card bill, credit cards, icanhavepayday.com, new domain, sling media, slingbox, tivo, TV
Posted in Renting, credit, credit cards, credit cards, saving money, tips | No Comments »
Wednesday, August 13th, 2008
Finally! I finally got my DSL modem today, so I’m back online. I still don’t have TV yet, that’s coming on Sunday. We were originally supposed to have our satellite set up last Thursday, but because we decided to sign up under my roommate’s name, we would have had to pay more for our DVR because he doesn’t have any credit. I had to re-sign up under my name, so we lost our installation date. I don’t see why we couldn’t have kept it, they were already planning on coming last week. Don’t they know I’m missing the Olympics!?
My roommate and I are thinking about getting a joint credit card to pay for all our joint expenses so it’s easier for us to stay organized. I figure it will also be a good way to boost his credit so he can do things like sign up for satellite in his name in the future. I’m really glad to be back online so I can start researching it. I’ll let you know what I find out. I have heard that paying off your credit card balance every month does nothing for your credit.
Tags: Beijing, credit, credit card balance, credit cards, credit rating, credit score, dsl, DVR, installation, internet, Olympics 2008, Satellite
Posted in bad credit, credit, credit cards | No Comments »