Well, if you read my most recent post on www.boostmypaycheck.com, you would have read about my issue with my credit card company giving me a 5% hike in my APR. Seems there is more to this story. Evidently, congress recently passed a law called the “Credit Card Act” that will freeze interest rate hikes. Unfortunately, the act does not take effect until February 2010. In the meantime, credit card companies are raising APR’s before the deadline. It’s
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unfortunate, but true. Here is an article from sphere.com arguing for credit relief NOW! At least, there are politicians trying to make the effective date earlier before these companies up our APR’s and minimum payments. While these credit card companies are looking for ways to recoup their losses they are doing so at a high cost. Now, those of us who are struggling or barely making our minimum payments in the first place are not only getting higher APRs, but also face higher minimum payments. Now are savings, if we had any in the first place, is getting less and less.
It is because of these sort of practices that I recommend an auto title loan. Here is a car title loan lender in Red Bluff, California with multiple locations throughout the state that I’d recommend. Car Title Loans are easy to secure as long as you have a clear title on your car. Make sure to find out everything you can about the loan. As far as I know, they cannot raise the credit rate. Ask these guys. They are really helpful and there customer service agents can really help you out.
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By now, if you have followed my blog, you should be aware that one of the best advantages of getting a car title loan is that credit is not an issue. Regardless of whether your credit is in the high 700’s or in the 300’s it doesn’t matter. All you need is a clear title on your car, ID, and in some cases proof of income. Besides the fact that these loans can be acquired in less than a day, people with credit issues can get money when they need it. Credit scores are still important , however. If you are looking at a big investment like purchasing a house then you ought to consider how you can raise your credit score. This article has some good tips. I like this quote from a single mom who has managed to raise her score to 783:
“I buy the things I like to have,” she says. “But when it’s tight, I shift into ‘Do I really need that?’ mode.”
That is the same sort of advice you should shift to when taking out any kind of loan and things are tight. How much do you really need? Do you really need the money at all? Here is an auto title loan lender in Norwalk, California that can help you out. Fill out their quick application or just give them a call to learn more!
A man from Seattle who had transplanted to Maryland says he never
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received a $52 parking ticket. He has records for his change of address, but still claims he nver received the ticket or notifications. Well, this is gonna cost him $1012. I have a sneaking suspicion that he thought he’d never have to pay it, but still isn’t there some way to to lower the charges just a bit? He now will have to pay for a plane trip and law fees as well.
I guess we can’t be sure whether this man is telling the truth or not, but when it comes to money if you push your luck it can come back to haunt you. And usually it can haunt you bad. You must consider this when taking out an auto title loan. Some people take out more than they can handle and this is a bad move. Your car is on the line and if you fail to make your payments than the lender will eventually repossess your car. The ways to avoid this are to take out a reasonable amount. If you need 3,000 bucks or $2000.00 then only take out what you need. Then make your payments on time. It is a good idea to get a printout from the lender of your payment schedule so you know what to expect. Here is a car title loan lender in Norwalk, California that can help get you started. Fill out their short application and you’ll get a call back shortly thereafter. Ask them all the questions you want. They are very friendly…
Well, it’s just been announced that Disney posted an 18% increase in fourth 
quarter earnings! That is huge huh? Besides the fact they are a big corporation who employs many people throughout the country, it’s good news because it means that consumers are spending money on entertainment and fun. One thing that has been slowing down the country’s recovery is the fact that people are too worried to spend on extras including entertainment.
I do want to emphasize that quality of life is always an issue for those of us in a difficult financial situation. But, while you may have to make adjustments, you shouldn’t totally sacrifice your quality of life. For those times that call for quick cash when you need it, you can consider a car title loan. This car title loan lender in Modesto, California can help get you started. They have locations throughout the country and can help you out no matter where you live…