Boost My Pay Check

Many of you are familiar with the new credit card laws.  As we are lead to understand it, laws were enacted to

Credit cards can be explosive. You might want to consider a car title loan instead...

 primarily protect consumers against abusive practices.  But credit card companies have good lawyers and people working for them who target ways to get around laws.  And there are loopsholes to the newly enacted laws.  Getting a credit card or using your old credit card can come at a major cost.  The big thing is that companies are raising interest rates and lowering credit limits (doesn’t sound any different than the issues we had with the companies in the first place does it?).  Here is some more info from an article addressing the changes:

“If you make all your monthly payments on time, that 15.99% rate on your existing balance is safe.  But for that giant flat-screen TV you’re thinking about buying, watch out: The rate on future balances can skyrocket — hello 29.99% — as long as your credit card company warns you 45 days ahead of time, and you’ve had the card for more than a year.  That’s for fixed-rate cards. With variable versions, you can face higher rates in two ways.  First, your card is likely tied to an interest-rate benchmark, say, a few points above the prime rate. If the benchmark goes up, so will your card’s rate.  Second, the card company can raise the margin above that benchmark, as long as it tells you 45 days in advance.Don’t be surprised if you’re suddenly switched from a fixed- to a variable-rate card — that’s happening more and more, and it’s legit as long as you get a heads-up.  “One of the biggest misconceptions people have about the Card Act is that issuers can’t raise interest rates anymore,” said Beverly Harzog, contributing editor at CardRating.com. “But they actually can do what they want on new balances, as long as they give 45 days notice.”"

You know, auto title loans tend to get a bad reputation.  Critics often times argue that the high interest rates make it difficult.  But it you look at credit card companies, their interest rates are rising and rising and the collectors are getting nastier and nastier.   Things can get really complicated and because of that it seems like, more and more, credit card companies can blind side you.  They have to give warnings of what they are going to do, but they can still do it!  And what’s more, they might send you a letter, but have you seen the size of those letters?  I had rates raised on my credit card recently, but I had no idea because they sent me a letter and I through it out because it looked like a marketing scam.  At least with car title loans you know what you are getting into.  You can sit and talk with an agent.  Things are broken down for you and shouldn’t be surprised…

-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.

Have you ever wondered why gas prices haven’t come down substantially.  At one point barrels of gallons of oils were in the price range that they are now, but we were paying as much as a dollar less per gallon at the pump.  Gas prices soared and then came down again, but they are still managing to charge a dollar more?  How is that?  I hear all the economic arguments, but it seems to come down to greed to me.  Here is an article about plummeting

A car title loan is pretty simple to secure...

gas prices (well, maybe not at the pump).  It’s a bit confusing though because they seem to imply that it is both a good and bad thing that gas prices are coming down.  Whatever the case, I guess a little relief at the pump is better than nothing.  We all could use the extra cash.  If you need some extra cash and you own your own car and have a stable income, you could look at car title loans.  Auto title loans are really great nowadays.   So many of us are now screwed with our credit.  With a car title loan, as long as you own a car, you should be good to go.  Here is a car title loan lender in Red Bluff, California that you can visit to learn more!

Just read about the stock market and it’s not good news. Seems China is clamping down on bank lending and that had a big effect on the world markets.  It’s not all bad, it’s just that lately the market has been up and down.  We all know that banks in the US aren’t as eager as they once were to

The decline in the stock market and its relation to bank loans might have you thinking about a car title loan instead...

lend money also.  That is why you may want to consider a car title loan. Car title loans are great because all you need is a car that you own with a clear title, ID, and sometimes proof of employment.  They can do this because they use your car as collateral.  Which is great, but you gotta make sure you can pay back the loan or else you’ll lose your car.  The best ways to do this is to do your homework.  Don’t take out more than you can handle and figure out what your future payments will be with the car title loan lender.  Get it all in writing, including what happens for a missed payment.  Check out this car title loan lender in Hephzibah to get started…

Well, most of us are experiencing difficult financial times.  Even people who are well off are struggling even if it simply means they are changing their current lifestyles.  I found an article that tries to put financial stress in perspective.  It is a little hokie, but the point of the article is to appreciate what we have and make adjustments.  Some of the best advice the author gives is to live within your means.  She talks about people who, through strict budgeting were able to lower their debts.  I think this is something we should all shoot for.  If nothing else it can help those of us with poor credit scores. 

In the meantime, if you are in the need of extra cash and your credit score isn’t so hot, than you might want to consider a car title loan.  Car title loans do not require a credit check.  All you need is a clear title on your car.  When you take out a car title loan, consider how much you borrow.  Become a responsible borrower and you can get money to help you out without putting yourself in a financial bind.  Cut out the stress- don’t add any…

Car Title Loan Today can help you out...