Boost My Pay Check

I remember a few weeks ago when movie director James Cameroon offered his help and “expertise”  to BP.  My friend and I laughed it off and also were scared of the fact that BP would consider this.  And then yesterday, I read an article that BP had begun using a device that Kevin Costner had spent money and energy to help create.  It feels like a good skit on Saturday Night Live to be honest.  Here is the picture that appeared just under the headline of the article I read:

Not sure how a car title loan works? Read on... (and ask questions!)

I hear from a lot of you that you are interested in a car title loan, but really don’t understand how they work.  Specifically, many people do not understand how an auto title loan lender is able to give a loan without doing a credit check.  Take Adam from Georgia for example.  Here is what is asked me:  “Dude, I really don’t understand.  I have been turned down in the past for every loan and credit card I have applied for.  I went bankrupt last year because I was stuck in one of those balloon payment mortgages and when the interest rate went up I also lost my job.  The domino effect kicked in and not only did I lose my job, but my house, my happiness, etc…  I have begun making smarter financial decisions as you have suggested many times, but I still am in need of some quick cash and a title loan seems like my only option right now.  I just don’t understand how they can give a loan without a credit check.  Will you write more about this?”   Well, Adam, it’s pretty simple.  Car title loan lenders can do this because they use your car as collateral.  With other loans, they really have your word and the understanding that they can possibly claim you assets if you do not pay back your loan.  With auto title loans, they have the title to your car.  Should you stop paying back your loan, they can get your car.  But good title loan lenders will do everything in their power to work with you to pay back your loan so that this does not occur.  You can be a responsible borrower by making sure you take out only what you can afford.  The simple fact that documents such as title and proof of income are usually easy to come up with helps the lender to get you your cash very quickly.  Here Adam, I am going to link you to LaGrange car title loans in Georgia.  Check out there online application.  It’s really simple.  And when they call you back, make sure to ask lots of questions!!

-DISCLOSURE OF MATERIAL CONNECTION: I have a direct relationship with a brand, topic, or product that is mentioned herein and may have received compensation, either directly or indirectly, for the opinions expressed.

About a year or 2 ago, I was on espn.com reading an article about Ohio State (I am originally from Ohio) and they made mention of this kid named Mark Titus who was on the basketball team.  He was a walk on who rarely played.  I think it was during his sophomore year when he started a blog called “Club Trillion“. 

He was a benchwarmer and knew he would never really play.  I was obviously interested for a number of reasons.  I mean we had a lot in common.  I love Ohio State sports, I write a blog, and I was a bench warmer myself (of course that was in high school…and on the junior varsity much less…but that’s not important right now…the point is, we relate!).  He came up with the idea of and exclusive club from a conversation he had with a friend when they realized that if they could play one minute and not have any stats that appear in a box score (not one stat…even the negative ones like fouls and turnovers that that would be the equivalent of 1 trillion (1,000,000,000,000)).  He decided that this would be his goal going into games.  Here’s how it looks on the stat sheet:

Now, he wasn’t entirely serious (although he did take pride in trying to do this) as I expect the coach would be pissed if he knew that he purposely didn’t grab a rebound or make a steal, but the kid was funny.  He started the blog and it took off.  It got increasingly popular all over the country.  He was as honest as he could be with the NCAA overseeing his blog even talking about the money they got for food called “per diem”.  In fact, he was so honest that he got busted one time when talking about his escapades.  Here is an excerpt:

“As I’m sure you remember, at the end of the last post I wrote, I called on the Trillion Man March to follow me on Twitter. My chief reason for asking you to do so was that my girlfriend promised to buy me a Dairy Queen cake if I reached 20,000 followers, which is why she’s the coolest girlfriend in the world (Valentine’s Day is coming up—I have to suck up a little bit). But the other, more relevant reason I wanted you to follow me on Twitter is because I said that I was going to start a completely pointless contest that resulted in shout-outs for the Trillion Man March. I wrote about how I don’t sign my real name on our per diem sheets, but instead I write either quirky made up names or names of famous people throughout history. My idea was to prompt the TMM via Twitter to come up with creative names for me to use on the per diem sheet, because I didn’t think anybody fully appreciated what I was doing. As it turns out, I was exactly right. There was a particular group of people who didn’t appreciate what I was doing one bit…Unfortunately, I forgot to account for the “The Guy With The Blog Is Always The One At Fault And Under No Circumstances Should Anyone Else Ever Be Disciplined” Clause in the NCAA’s bylaws that states “the guy with the blog is always the one at fault and under no circumstances should anyone else ever be disciplined” (the title of the clause sort of gives away its meaning, in my opinion). Because of this clause, I was forced to make a special trip to our compliance office to re-sign all the per diem sheets with which I decided to have a little harmless fun. Meanwhile, my teammates weren’t reprimanded in any way for their illegible scribbling. I probably had it coming to me by publicly discussing my shenanigans on my blog. And I certainly didn’t help my cause when I printed the name of one of compliance officers on the per diem sheet in place of my signature, just a few short hours after finding out that compliance was upset about my fake names.”

Well now the guy is huge.  His blog has taken off and so has his writing and professional careers.  He graduated and is working on a book about the life of a bench warmer in college sports and he keeps on getting sponsored opportunities from corporations that is sure to help him get a start on making some big time cash.  Follow his blog.  Trust me…it’s funny…

Yeah, a mercedes can get you a lot of money with a car title loan, but you need to be close to having it paid off...

I get this question a lot. And the answer is that it depends. Some title loan lenders like this Whittier Title Loan company and this California Title Loan company may be able to work with you if you are close to finishing off those payments.  What’s for sure is that you will need your title, ID, proof of insurance and income, and proof of address (these are rules for all title loans in California).  I’d visit the links I have posted here and fill out an application which literally can take a minute or two.  They’ll give you a call back and then you can ask specific questions.  I always recommend asking lots of questions when you take on any sort of loan, so you may want to write them out before you speak to a customer service agent.

-DISCLOSURE OF MATERIAL CONNECTION: I have a direct relationship with a brand, topic, or product that is mentioned herein and may have received compensation, either directly or indirectly, for the opinions expressed.