For many people, next to their homes, their car will be one of the largest purchases of their lives.  Whether you splurged on a luxury car or played it safe and conservative with a scaled-down economy car, you depend on your vehicle every day.

These front-line employees really do represent what’s going on inside the logbook loan or v5 loan company you choose.  Call a few companies, maybe even fill out one or two logbook loan or v5 loan inquiries just to see.  There’s no obligation to accept the logbook loan company’s offer if you change your mind.

Why would you want to do this?  It’s simple.  If you are treated fairly, the logbook and v5 loan representatives take the time to answer all your question without making you feel silly, and you don’t feel rushed or pressured in any way, that is a great start.  Of course there is the internet and business rating companies,  but it is common knowledge that a disgruntled customer is a lot more likely to go on line with a complaint than a satisfied customer is to take the time to sit down and write up info on how uneventful and professional a company is.

Go here now to find out how much cash you can get from your car.

So give it a try.  An inquiry does not bind you in any way, and you might end up finding a quick and easy way to get cash from your paid off car with a logbook loan or v5 loan.

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In every line of business, in every political race and just about any subject you can think of , there are always plenty of ways to misconstrue simple facts.  For years bankers and non-traditional lenders have been going back and forth about what exactly should be defined as excessive interest rates and fees.  It’s easy to bash one group when you already have a plan in place to skirt around the legislation or problematic area of concern.

I think this may be what happened to Newt Gingrich this week when news reporters from all over the country called him out for saying “African-Americans should be satisfied with food stamps.”  Regardless of what he meant to say, or not say, these U.S. Census Bureau statistics say a lot:

Twenty-eight percent of households that receive food stamps are African American.  Whites make up  59 percent of food stamp recipients.  The bureau also reported that approximately 78 percent of American households are white, while approximately 12 percent are black.

So maybe when Newt said that ”forty-three percent black teenage unemployment is totally unacceptable as an American future.” and that he’d be happy to talk to anyone in America about having “paychecks rather than food stamps,” he really wasn’t trying to be racist.

With people like Oscar Eason, President of NAACP State Conference of Alaska, Oregon and Washington State, say Gingrich’s comment “goes right to the heart of real racism – that African Americans are lazy and don’t want to work and depend entirely on handouts,” Gingrich doesn’t stand a chance.

There’s a great video online where Gingrich refutes the claim and tries to explain his words and intended meaning.  Good luck Newt.  You’ll be the first to succeed.

Click here to read the full CBS News coverage on Newt Gingrich

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Logbook loans offer a solution to money problems for people who have been turned down for traditional bank loans.  Even people who don’t qualify for payday loans can take advantage of the equity they have in their autos using V5 or logbook loans.

As long as you have sufficient equity in your car to secure a loan, bad credit, high debt ratios  and low income won’t necessarily disqualify you from obtaining a logbook loan.  It’s true that even someone with CCJs and defaults can get approved for a logbook loan.

In most cases, V5 and logbook loan transactions can be completed in less than 24 hours.  Credit checks are rarely required and bad credit does not automatically disqualify you from getting fast cash.

What do you need to know about logbook loans and V5 loans?

• First, you must be the legal owner of the car with your logbook establishing proof of ownership.
• Next, you must own the car free and clear, or owe less than one or two payments on the vehicle.
• Finally, the auto should be no older than eight years and you get to continue driving your auto for the entire term of the loan.

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The Huffington Post ran an interesting story detailing Verizon’s change of heart regarding a “convenience” charge for customers who pay their monthly bills with a credit or debit card by phone.

What’s interesting to me is that I had a recent experience with a Macy’s payment that was very similar.  With all the hustle and bustle surrounding Christmas, I forgot to mail my monthly payment to Macys.  When I realized the bill was past due, I called Macys to make the payment. 

I learned that Macys charges $15 for phone payments.  What??!!  Good Grief.  I ended up talking the customer service rep into waiving the charge, but it wasn’t easy.  If I had been in more of a hurry, I might have given up or given in entirely. 

Either way, I’m glad Verizon customers got the last laugh.  Wish Macys would follow in their footsteps. 

Here’s the story:

Well, isn’t that convenient! After public outcry, Verizon has decided that it will not instate a $2 “convenience fee” for customers paying monthly bills with a credit or debit card via the Internet or telephone.

A press release on the Verizon website announced the carrier’s change of heart and credited “customer feedback about the plan” for its decision:

Verizon Wireless has decided it will not institute the fee for online or telephone single payments that was announced earlier this week.The company made the decision in response to customer feedback about the plan, which was designed to improve the efficiency of those transactions. The company continues to encourage customers to take advantage of the numerous simple and convenient payment methods it provides.

It’s a quick turnaround for Verizon, which just announced the $2 “convenience fee” on its website on December 29; within 24 hours, online petitions had begun to circulate, commenters condemning Verizon’s corporate greed had made their voice heard on websites and message boards across the Internet, and even the FCC announced plans to investigate the charge. A day after introducing the so-called convenience fee, Verizon caved to public and governmental pressure and scrapped the charge.

The $2 fee, which was scheduled to go into effect in the middle of January 2012, would have applied to all customers paying by credit or debit card on a per-statement basis, and would have helped to defray the cost that credit card companies charged Verizon to process its customers’ payments. Though the carrier offered seven payment alternatives to avoid the fee, including enrolling in an AutoPay program or paying via check or gift card or in person at Verizon stores, consumer outrage and mockery was so swift and vocal that Verizon appears to have been left no choice but to change its plans.

“At Verizon,” said Verizon President and CEO Dan Mead as part of the press release announcing the fee cancellation, “we take great care to listen to our customers. Based on their input, we believe the best path forward is to encourage customers to take advantage of the best and most efficient options, eliminating the need to institute the fee at this time.”

Can’t get enough of these embarrassing tech fails? Check out our slideshow of the 13 biggest technology oopsies of the year.

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Usually when you search the Internet for information on payday loans or V5 loans, logbook loans or title loans, you hear crazy bad tales of woe and lenders without hearts. 

There’a a cool Web site where a guy named Steve helps people get out of debt and offers advice on difficult financial situations.  When a woman named Cynthia wrote to him for help on figuring out how to make her  logbook loan payments, instead of talking about how bad title loans are, he offered some good advice.  The entire post is pasted below.  Check out his blog for other interesting get out of debt advice.

“Dear Steve,

I have a loan with loanmart, I am exactly 13 days past due, and advised I will make my payment on the 15th which is in 3 days. They said I had to have payment in today or they will repossess my vehicle because it is a new loan. Last month they said my payment had to be in on time because it was a new loan and it was a first payment, and now they are saying the same thing.

I told them I will send them payment moneygram as I always do, which I had an account with them in the past. I told them if they take my vehicle it will make the situation worse because not only do I have to make that payment, then late fees. then impound fees and possible the next months payment in advance. I told them I need my car and without it I will have to pay for a bus for me and my kids to get to school and work. What can I do?

Cynthia”

The Answer

Dear Cynthia,

I am not certain but I suspect that you are talking about 1-800LoanMart, the title loan people. A V5 Loan or title loan  works like this.

• You need money.
• You own your own car outright without any money owed against it.
• You pledge your car as collateral for money borrowed against the title.
• If you fail to pay as agreed they can take your car and sell it.

The auto title loan is a variation of the payday loan in that these are usually loans targeted towards people with bad credit or an inability to borrow from a more Main Street lender. One variation I’ve seen is the wheel loan folks that will lend you money against your fancy rims on your ride. If you don’t pay they they take the wheels off your car.

So what happens when the title loan folks take your car? They sell it for a lesser amount than it is worth and give you back the difference between what the car sold for and the loan you took out against it.

As much as it pains me to say this, if you can’t find anyone to help you get the note paid to avoid losing your car you might want to try a payday loan company. At least then you could borrow the money from them and prevent your car from getting taken. That would be an imperfect solution but the lesser of two evils.

Please update me on your progress by Big Hug!

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For years, our neighborhood had a great post man. His name was Archie. When he started our route, he was a young father of twin girls.  When he retired twenty years later, the girls were parents, the wife was an ex, and Archie decided to  move to Tallahassee to be closer to his family and farther away from the psycho ex.

Whoever took Archie’s place naturally had some pretty big postal boots to fill so we would have been happy with anyone who just got the mail to the correct box.  Apparently that was too much to ask for.  Mail never reaches our house, and just like Neuman on Seinfeld, there are entire days when we don’t get a single piece of mail.  Then a week later, our box is so stuffed you can’t get the mail out because postal girl was too lazy to get out of the truck and ring our bell so she just jammed as much as possible into our tiny mail box.  That’s just the stuff I can print.  Living in a very small town means that when postal girl misdelivers mail to the wrong house, marriages crumble, kids get grounded and wives with out-of-control spending habits are outed.  Small town – if it lands in our box, we read it regardless of who it is addressed to.

AOL ran a funny column about the stupidest (is that even a word) employee stories of 2011 — our mail lady made the top with this story:

———-

And Now For No. 2

Many people likely give little thought about where postal delivery workers relieve themselves on their daily routes. But Portland, Ore.,-resident Don Derfler became very aware last spring after he witnessed a postal worker defecating on a neighbor’s lawn. Derfler, who said that he noticed the postal worker acting strangely, took photos of the incident. “To come on to our property and to defecate — it’s just wrong,” Derfler told KATU-TV. The Postal Service conducted a probe and determined the offending employee could keep his job but would be assigned a different route. We hope it’s one with a public toilet along the way.

———-

Here are a few more, or you can read 11 Of The Stupidest Employees Of 2011 By David Schepp , by following this link.

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He Couldn’t Be Bought With Mere Apples

Staying with the education theme, we turn to Charlotte County, Fla., where high school teacher Jeff Spires was suspended in October for soliciting money from his students. According to a school investigation, Spires told his class to staple or paperclip cash to the back of their quizzes if they wanted to sweeten their grades, WZVN-TV reported last month. After the investigation, which reportedly revealed one junior paying as much as $70 to boost his grade to a B from a C, Spires resigned. When asked why he did it, Spires reportedly replied, “That’s what I don’t know, why.”

Flying Isn’t The Only Way To Get High

In one of the year’s more noteworthy work-related items, more than three dozen employees at a Boeing Co. plant near Philadelphia were arrested for illegally selling prescription drugs, including oxycodone and Xanax. Federal authorities were tipped off to the unlawful activity by the aircraft maker after an internal investigation, The Associated Press reported in September. For the workers, it appears, making helicopters wasn’t their favorite way of getting high.

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Holiday headaches start, generally, about five minutes after the last gift is unwrapped and tossed into the “toys I’ll never play with again” pile.  It happens every year.  The only change for 2011 is that the headache has turned into a migraine and the pain started weeks before the first Christmas carol played on the radio.

Why the change? It’s simple.  I just can not afford Christmas this year.  I’ve tried everything – talking to my kids about the economy; begging my parents to hold-off on gifts this year and even asking my sisters to only exchange gifts for the kids.  No luck.  Seems I am the only family member on a budget.

With that in mind, I was relieved to know that I can use a logbook loan, V5 loan or car title loan to bridge the gap between the holidays and my next few paychecks.  The way I see it, it will be August before I have all of the Christmas expenses paid off, but at least everyone else will be happy.  I have used logbook loans before and they have always been quick and easy ways to get cash in a hurry.  This year I wasn’t sure if I would qualify because my car is more than 5 years old.  I was more than pleased to learn that as long as my car has equity, it still works for V5 loans.  Maybe I’ll get into the holiday spirit after all.

Here are some basic logbook loan and V5 loan requirements to consider:

Remember you still get to keep and drive your car after taking out a V5 loan or logbook loan.

The  application process consists of a short online or in-person questionnaire, then you only need to provide the following:

• Proof of income that is sufficient to cover anticipated monthly payments
• Proof of ownership of your automobile: title or logbook documents
• A valid drivers license or government issued photo ID
• Full coverage vehicle  insurance, including comprehensive and collision
• Verifiable contact information
• A spare key to be left with the logbook loan or V5 loan lender

Simple, fast and easy.  For more information or to find a logbook loan lender ,  visit www.badcreditonlineloans.co.uk or call 1706 869  722

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Filed under: "This site is affiliated with and may have received compensation, either directly or indirectly, from one or more of the lenders referenced herein

If you have been following this blog for a while, you probably know I have two boys.  One of the two turned 16 last month and got his driver’s license.   Of course the next logical step (in his mind) was to wake up one morning – sooner rather than later – and find a brand new car in the driveway.

As a single mom, I’m not entirely opposed to the idea of my teen having his own car to drive.  We went through all the normal teenage boy vs. dinosaur-age mother battles.  He still hasn’t given up on wanting a Ford Mustang or any other sports car, but he is opening up to the idea that maybe a used car wouldn’t be so bad.

Like I said, he’s a teen so the concept of gas, auto insurance maintenance and repairs are a non-issue for him.  So… I have been car shopping for a few weeks and we narrowed the choices down to a used Scion Tc or a 2 door Honda Accord.  Both two doors which cost more to insure but the extra money in insurance may save me a bunch of migranes in the future from listening to him whine.

I was all set to make the purchase, then something happened.  A big, expensive, keep me up at night with worry problem.  While cleaning out a spare closet I discovered that the interior wall was filled with mold, water and lots of other gross stuff like wet insulation.  Cost to repair?  $5,000 bucks.  There goes any idea of buying a car for the kid.

If you end up in a similar situation, you might be interested in this cool program I found online — it’s called Zipcar.  They are hourly, daily or weekly car rentals.  Lots of their business is centered around universities so younger drivers have options too.  It may not be for everyone, but for single parents like me, it’s a quick solution when I need to be at work and one of the boys needs to be at practice or the dentist or just about any of the other little emergencies that crop up while I am working and unable to leave the office.

Here’s a little information and link so you can see for yourself if it might be something for you:

Occasional Driving Plan is a smart choice if:

• The thought of a monthly commitment gives you the shivers.
• You aren’t sure how often you’ll drive.
• You own a car, but have the occasional need for more wheels.

What does it cost to join?

• Your annual fee of £59.5.
• No deposit.
• No monthly commitment.

What does it cost to drive?

• Depending on the car model, drive from £5 /hour and £49 /day (any 24-hour period) during the week and £6 /hour and £55 /day on weekends . Gas, insurance and 40 FREE miles * are included.

Can I change my plan?

What about housemates or family?

• Once you join, you can add other drivers to your account. There’s a £29.75 annual fee.

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