September 26, 2017
It always happens when you aren't paying attention. It's when you have a million errands to run, people coming into town, or just several bills due all at once. You write checks, visit ATMS, and swipe your debit card countless times. Once you've taken care of it all and start patting yourself on the back for adulting so well, however, the bank notices come. You have an overdraft fee, and another, and another….
Almost every transaction you've made that day comes with a fee, and it does add up fast! On average, the nation's larger banks change $35 to $38 for each transaction that overdraws your account. These fees are accrued for all kinds of transactions, be they paper or electronic checks, auto-bill payments, ATM withdrawals, and debit card purchases.
Those last two are the worst in terms racking up fees, and 83 percent of US major banks permit ATM and debit transactional overdrafts. It can also be compounded if your account is shared with your spouse. With two people withdrawing funds, overdraft fees could double. The crisis can get even worse as some banks institute a repayment deadline—a window of anywhere between a few days to a month—and if you can't make it, you incur an additional "extended overdraft fee" that, on average, adds another $69 to the bill.
It's a terrible Catch-22 because if there wasn't enough money in the bank to cover your expenses, how can you be expected to cover the overdraft fees? In some instances, we are talking hundreds of dollars in the red. While you try to figure that out, you still have your day-to-day needs like gas, groceries, and prescription refills that could potentially expose you to even more fees until you can pay it all off. But if you are in between paydays, where will the money come from?
One resource could be with a bad credit title loan in Memphis. Not only is it fast and easy, but you can have the needed cash in hand within 20 minutes or less. The way a title loans works is that you leverage the value of your owned vehicle against the amount loaned. A bad credit title loan in Memphis from Mid-South Title Loans ranges from $150 to $2,500. All you need to qualify is your vehicle, its lien-free title, and a photo ID. Just bring these items by one of our three offices, and after we assess your car's value while you do some speedy paperwork, you get to leave not only with cash in hand, but also with your car keys.
Don't let overdraft fees threaten the balance of your budget. Grab your lien-free title and come on by Mid-South Title Loans! We have three convenient locations throughout the Memphis metro to serve you: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a bad credit title loan in Memphis, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.Read more
September 19, 2017
Do you diligently pay toward your student loans, mortgage, credit cards, and other bills every month while feeling like the overall outstanding balance barely budges? There is a good reason for that. Every debt you owe also accrues interest, and if you are spreading your wallet out among several payments that just barely meet the minimum, the interest still continues to bump all of those balances up.
A great way to get over that hump is with bills consolidation. By taking out one big loan to pay off all of what is owed to the various lending institutions, you can start repaying that loan (and all your debts) in a single monthly payment. This is especially handy for when you have several major loans, like school loans, that you continue to chip away at without being able to fully pay them off. You also get a better interest rate that helps with savings down the road.
Even if you are now paying your bills down in one monthly chunk, the path to becoming completely debt-free can still be a long one. It especially feels like this when you start to see the light at the end of the tunnel. That is when those last few thousand dollars seem to have slowed the repayment schedule down. It can also feel like this with just regular credit card debt, or when that entertainment system you financed with zero interest a year back finally comes due with deferred interest doubling the amount owed. All of these things can make you feel like the hole is growing deeper every time you try to dig yourself out.
There is no need to despair! Just as bills consolidation is an excellent fix for handling large debt, title loans are wonderful for quashing smaller (but still significant) debts. A quick Google search for "title loan near me" shows that a car title loan is an easy way to get quick cash in Memphis. All you need is your drivable vehicle, its lien-free title, and a photo ID. Your vehicle's value is leveraged against the loan. With Mid-South Title Loans, that amount ranges from $150-$2500 in the greater Memphis area. There are no credit checks or waiting periods—in fact, you'll get approval within 20 minutes!
While of course a title loan is still a loan, it is a fast and efficient way to knock out lingering small debt. Whether you're making the last few payments toward a bills consolidation, dealing with a maxed-out credit card, or avoiding deferred interest on a financed item, a title loan can easily cover these remaining payments. Moreover, not only can it end the repayment cycle with accruing interest, but it can also improve your debt-to-credit ratio and credit score.
If you have an immediate need to rid yourself of debt, consider seeking help from a Memphis title loan company near you such as Mid-South Title Loans. The process is fast, easy, and hassle-free, so stop by any of our three convenient Mid-South Title Loans locations in Memphis today and be back on the road and ever closer to becoming debt free within minutes!Read more
September 12, 2017
Short-term loans are a great way to provide a buffer for extra monthly expenses like birthday gifts, food for entertaining, and last-minute weekend trips. They can also come in handy during a crisis, footing unexpected bills for emergency room visits, auto repairs, and household appliance replacements. But what about those mandatory expenses that, no matter what, have to be paid or else?
Mandatory expenses are the bills of your life. They include payments toward keeping your house in order, like the mortgage, property taxes, home insurance, HOA dues, and the utilities that keep you warm in the winter and cool during the summer. They also include quality of life for you and your loved ones: think childcare costs, school tuition, health insurance, and prescriptions. These aren't bills you can cut back on, like gas or grocery costs, and neither can you place then on a layaway back burner like you can when you need a new dishwasher. Mandatory expenses mean they have to be paid when due, or you and your family have to hit the curb.
There are all sorts of dire consequences you could face if your mandatory expenses go unpaid. You and your family could become ill from missed medications. The bank could foreclose and evict you from your home. The heat could be shut off in the middle of December. You could miss work due to having your child at home. You could carry even more financial burden if the IRS garnishes your wages to repay outstanding taxes.
All of this can be prevented, however, if you pay those mandatory bills on time. Since these important bills are regular, when and what you pay can be planned. Even so, sometimes money is tight and when it is time to pay, the funds may be lacking. Which brings us back to our earlier question: are short-term loans good for covering mandatory expenses? Absolutely!
Short-term loans in Memphis are one of the best ways to find cash fast. No credit check is required, and there is no waiting period. All you need for Memphis short-term loans is your drivable vehicle, its lien-free title, and a photo ID. Just bring all of that into one of our Mid-South Title Loans offices, and after some quick paperwork, you'll be back on the road with cash in hand within 20 minutes.
Short-term loans from Mid-South Title Loans range from $150 to $2,500 based on the value of your vehicle. That is a tidy enough sum to help you cover any mandatory expenses that may have caught you off guard or gone up in rate. If you need to settle a bill fast, Mid-South Title Loans has three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a short-term loan in Memphis, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.Read more
September 5, 2017
Life is expensive. Even with a household budget comprised of two monthly incomes, the demands of our modern lifestyle deplete our funds as soon as they are deposited into the bank. This is why most households have begun to embrace the entrepreneurial spirit and run a home-based side business.
Thanks to the Internet and home computing advances, the potential for having your own start-up has never been greater. If you have ever had an artistic streak, you can venture into freelance design or sell your artwork on Etsy. Are your strengths based in something more practical? You could capitalize on tax season as an accountant, pick up a few bucks as a notary, or offer your services as a fitness instructor or a consultant. Maybe you are at home caring for a little one. You could open your doors to a few other kiddos at your own childcare service, offer tutoring for the older kids, or put that heirloom piano to use by giving music lessons.
With a little bit of imagination, the possibilities for a side gig are endless. That's why the U. S. has seen a start-up boom within 38 million households reporting over $427 billion in annual revenue. Broken down to individual businesses, the average expected income is about $44,000, but the top 20 percent have been known to annually bring in $100,000 to $500,000.
One major reason behind the success of home-based business is that they require minimum overhead. 44 percent of home-based start-ups reported beginning their ventures on as little as $5,000. This includes necessary purchases such as a new computer and software, state business registration, contracting services from attorneys and accountants, and other equipment and goods needed to conduct day-to-day transactions. That may seem like a lot, but it's not bad compared to the $30,000 it takes to launch a traditional brick-and-mortar enterprise.
Even so, $5,000 isn't something to laugh at. If you are commencing at-home commerce, more than likely it's because you need to make more money rather than spend it. That's okay, though, because in the end, not only have you invested in a solid foundation that will support the growth of your business, but also you get a pretty sweet tax break from having an office in your home.
To gather start-up capital, many entrepreneurs secure financing or loans to jumpstart the process of setting up shop. The traditional route is with banks, or even by taking out a business credit card, but this route could create some barriers if you are still building your credit. One quick workaround is applying for car title loans in Memphis.
Car title loans in Memphis allow you to leverage your vehicle with no credit checks or waiting periods. All that is required is a drivable vehicle, its lien-free title, and a photo ID. If you bring those in to a Mid-South Title Loans office, you can receive a cash loan of anywhere from $150 to $2,500, based on your vehicle's value.
If you are ready to start generating side income with a home-based business, don't let a lack of cash hold you back. A car title loan in Memphis from Mid-South Title Loans can give you your start-up capital fast and hassle-free. Stop into any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
August 28, 2017
Owning a home can feel like an epic journey sometimes, and home repair is its hydra. When one problem is solved, two more occur in its place. If you don't take care of everything immediately, soon you are a prisoner in your own home being tormented by leaking roofs, stinking, warm fridges, and a sewage-seeping yard. This isn't because the home itself is monstrous, but just not fully understood. A house is made up of hundreds of little parts that all need TLC and eventually some form of maintenance.
It is as susceptible to the elements inside as outside. A random hail storm can damage so many shingles on your roof that an entire replacement may be needed. Years of sun exposure may have faded and chipped its paint. Pests can infiltrate the infrastructure and wreak havoc on your electrical system. Inside, almost anything can go wrong: windows shatter, doors need new hinges, dish washers clog, as do toilets, and refrigerators' timers time out while dryers burn out.
If you are handy, many of these small things can be taken care of as soon as they arise and with minimum costs. But those who have never used a screwdriver, or just lack the time, have to dig in pretty deep into their pockets for these repairs. This is one major reason issues pile up— homeowners have a tendency to procrastinate until the next paycheck, and then the next.
While everyone realizes that owning a home is costly, many homeowners still don't set aside money for repairs and upkeep. Financial advisors recommend that to stave off the sticker shock of home maintenance, annually putting aside 1 percent of your home's overall cost is ideal. If your home cost $250,000, for example, then $2,500 should be delegated to its upkeep. This should be more than enough to handle the more routine problems that arise with time and age like new appliances or plumbing repairs. It can also go into yearly improvements. Maybe you've wanted to upgrade your backyard patio, or build a fence to ensure the safety of a new puppy? Or, in areas prone to natural disasters, it is a nice buffer against tree services, utility repairs, and water well restorations. In any scenario, rarely are these events expected, so even with a house repair budget, something could arise where some quick, extra cash is needed. Luckily, help is available with Tennessee title loans.
A title loan is one of the best ways to get cash in hand when you need it. There are no credit checks or waiting periods, and all that is required is a drivable vehicle, its lien-free title, and a photo ID. Based on the value of your vehicle, Tennessee title loans range from $150-$2,500, and you get to keep the use of your car while you repay the loan!
Don't let your home repairs defeat you or your wallet! Come on by Mid-South Title Loans and get the quick cash you need to keep your house in order. We have three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a Tennessee title loan, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.Read more
August 21, 2017
When it comes to juggling finances, there just aren't a lot of quick, short-term options out there. However, there is one fast and easy option that requires no credit checks or waiting periods: the title loan. Also known as a car title loan, it is one of the most valuable and easiest options, but perhaps least well known and understood.
Car title loans leverage a vehicle's value against the loan. The amount received ranges depending on location, but in Memphis, the range is from $150 to $2,500 (again, depending on the car, truck, or SUV's worth). It's a reasonable range that can come in handy for patching up the monthly budget to help handle any financial difficulties that may arise.
To be eligible for a title loan, the applicant must be at least 18 years old and have a drivable vehicle with a lien-free car title and a photo ID. The lien-free title is especially important, and means that the vehicle is owned by—and in the name of—the person receiving the title loan. The owner is not making payments on the vehicle to any other lenders, and has paid in full for it.
While it may seem obvious, some borrowers don't comprehend why it is important for lenders to require lien-free titles. If any other lending institution like a bank or credit card company can make claim to a vehicle, then that means they have a lien on it. To still have a lien on a vehicle indicates that it has been financed (and therefore is owned) by another financial institution, and is still being repaid. In other words, having a lien on the car's title means that the only parts of it owned are the parts that have been paid off.
This is exactly why lenders don't issue title loans with liens on the vehicle. If the borrower doesn't own all of their car, they have no collateral and therefore nothing to leverage the loan's value against. While the borrower repays the loan and can continue to use the car, the lender holds on to the title. If a car title loan borrower never repays the loan, then the lender keeps the title as final repayment. The lender cannot do this with title loans with liens because there are other lending institutions already awaiting repayment on the vehicle. The lending institution isn't applying for the loan; the borrower is, and this is why the borrower needs to be the sole owner of the leveraging vehicle and no one else.
While lenders will not issue title loans with liens because of the reasons above, borrowers who do own their vehicle in full need not worry. If you need quick cash in Memphis, and you own a lien-free vehicle, a title loan from Mid-South Title Loans can get you cash when you need it. Just bring your car and lien-free title by any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
August 14, 2017
Just as Memorial Day marks the beginning of summer, Labor Day marks its end. While the grill is extinguished, the pool is closed, and your schedule is at the mercy of your child's school activities, the Fall brings its own festivities. Whether these activities are relaxing or not depends on who you ask. There is one thing everyone agrees on: the Holiday Season isn't cheap.
Between Halloween, Thanksgiving, Christmas, and New Year's Eve, money is going to be spent somewhere. Even if you don't go all out on Halloween decorations, or open your kitchen to your extended family during Thanksgiving, just one holiday done up right can put a dent in your wallet. According to trends observed by The Balance, Halloween is technically the cheapest holiday Americans celebrate. Even so, a record amount of $8.4 million was spent by US consumers last year, with each individual shopper spending $83 on candy, costumes, and decorations.
Not at all scary compared to the price tag of Black Friday. While it's technically not a holiday, its emphasis on seasonal deals has made it the number one holiday season event. In fact, it's expected that around $320 on average will be spent during this weekend per person. And while the largest total amount of holiday spending is conducted on shopping holidays like Black Friday and Cyber Monday, nothing trumps the grand total a person will spend solely on Christmas: $752!
Of course, the holidays don't always have to be so costly. New Year's Eve, for example, can be just as festive as Thanksgiving or Christmas, but at a more reasonable price. Crates of champagne can be bought at a discount, appetizers will cut down on the grocery bill as well as kitchen time, and party favors can be as simple as kitschy items like hats and noisemakers from the dollar store!
Whether you decide to splurge on all or none of the holidays, spending a little bit on the season can still be hard to avoid. When the bank is flush, that's no biggie, but when money is tight, a small gesture of holiday spirit can plunge your budget into the red. To avoid any holiday spending pitfalls, you may have to get creative with your funds and consider some ways to find the quick cash you need. Car title loans in Memphis are an excellent option. With no credit checks or waiting periods, a drivable vehicle, its lien-free car title, and a photo ID are all that's required to qualify for a car title loan.
Car title loans from Mid-South Title Loans in Memphis range from $150 to $2,500 based on the value of your vehicle. If you find yourself in need of quick cash to patch up your holiday spending budget, you can get started on your car title loan by filling out our simple Title Loans Online Info Sheet, or by stopping by any of our three Mid-South Title Loans locations in Memphis. We have three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd.Read more
August 7, 2017
Have you been thinking about switching up careers? Well, now is the time to job hunt. With the growing economy, the US unemployment rate is now at 4.3%, and hasn't been this low in over ten years. That means it's a Worker's Market, where many expanding companies are struggling to wrangle excellent employees into their well-paying vacancies. Furthermore, because the employer is now competing for potential employees' interest, they are also open to negotiating salary and benefits.
While conditions for changing employment have never been better, there is still the matter of the interview. While the employer is technically courting you, they are also wooing a few other candidates who are just as qualified as you are. You need to look as good in person as you do on paper and demonstrate that you are their ideal choice. To do that, you may have to spend some money.
If it has been a while since you have interviewed, you will want to invest in a new interviewing outfit. This could cost you anywhere from a few hundred bucks to $1,000 depending on whether you splurge on designer lines. Whether frugal or fashionable, make sure your new duds meet the guidelines of what should be worn during an interview: a nice, coordinated suit with a collared shirt and a modest-length skirt, closed-toe dress shoes, and a minimal amount of jewelry. While you are trying to make a great impression, you don't necessarily want to be remembered as that Neon 80's Lady. You should choose solids over patterns, and neutrals or paler colors over bright, florescent ones.
Another expense is travel. If you are interviewing within your own area, this would just entail the cost of gas. However, interviews out of state are a whole other ballgame. Depending on the distance, a round-trip, economy plane ticket costs on average $470. If you are staying overnight, you can add another $150 for a hotel room, and at least $30 for meals.
Between travel and attire, interview expenses can quickly add up. They also might arise at a time when you are low on cash, or working on rebuilding your credit. However, when that dream job comes calling, it is better in the long run to make that investment. One option for finding some quick cash is a bad credit car title loan in Memphis from Mid-South Title Loans. It requires no credit check or waiting period, and all you need is a lien-free car title and a photo ID. The Mid-South Title Loans range from $150 to $2,500 based on the value of your vehicle. This is more than ample to spruce up your professional wardrobe and secure transport to that life-changing interview.
Don't let a little cash prevent you from becoming a potential employer's top choice. A bad credit car title loan in Memphis from Mid-South Title Loans can give you the edge you need to land that job of your dreams. Start preparing for your interview by stopping into any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
July 20, 2017
It looks like Back to School is coming up with tax-free weekends! In Tennessee, our weekend will be July 28th through 30th. Just as the summer was signaled by planning vacations and grill-outs, now it is coming to an end with the kids suited up and sent back to class. After about three months of fun in the sun, parents are usually pretty excited about having the house and schedule back in August. Of course, there is one last summer rite to perform before parents can return to their routine, and it's a costly one: school shopping. In fact, Back to School shopping is considered the second largest retail event after Christmas, according to the National Retail Federation.
By now, supplies lists have been received and the demand can be overwhelming. According to the Backpack Index, parents can look to pay around $662 for their elementary age students, and almost $1,500 for high school kids throughout the school year. At least $100 of that will go to basic school supplies like notebook paper, binders, pens and pencils, folders, a calculator, a ruler, highlighters, and a backpack for carrying it all around! Because our children are growing, they probably need new duds or uniforms, and the addition of clothes, plus whatever electronics the classroom might require (like a graphing calculator, a laptop, or an iPad) can bump the average Back to School costs up to $669, according to a Today Show survey. And we're talking per child.
This is why several states in the country initiated the Tax-Free Weekend to offer some relief to parents who are just trying to get their kids off on the right foot for that important first day. Fortunately, Tennessee is among them, and this coming July 28-30th is the time to take advantage of sales and savings on school supplies, clothing and uniforms, and any computers that are under $1,500. If you are unavailable that weekend, there are still other ways to cut corners by shopping for supplies online. If you spend over a certain amount, usually you will get free shipping. However, you have to act fast to make sure the supplies are delivered to your house on time.
While there are some ways to whittle down the Back to School price tag, some folks simply won’t have the cash they need in hand in time for the tax-free weekend. If you need a little extra quick cash to ensure your children have everything they need for August, car title loans in Memphis can provide you with no-hassle, fast cash on the same day you visit our office. Mid-South Title Loans offers car title loans in Memphis that range from $150 to $2,500 based on the value of your vehicle. A vehicle title loan in Memphis from Mid-South Title Loans requires no credit check—you just need a drivable vehicle, its lien-free title, and your photo ID.
Don't let low funds prevent you from taking advantage of the Back to School tax-free weekend. With a title loan from Mid-South Title Loans, we'll get you the money you need immediately so you can prepare your students for another great school year! Come on by any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
July 5, 2017
Our cars are our prized possessions. They give us our independence while taking us on new ad-ventures. Not only are they handy on the great American Road Trip, but they also can symbol-ize where we are in our lives. Everyone remembers their first clunker in high school, and can also remember their first upgrade when they landed their first big job. When our family starts expanding, we trade in our sporty coupe for a more utilitarian SUV or minivan. Many people celebrate retirement by finally splurging on that Shelby of their dreams, or outfitting a Sprinter for camping at our glorious National Parks. Those who are more eco-conscious express their beliefs by driving a hybrid or Smart car.
While the automobile wasn't an immediate hit when it first came off the assembly line in the early 20th century, by 1961 our entire infrastructure revolved around every American family owning a vehicle—so much that in some places, it has become unthinkable to get around with-out one. This makes the car even more vital to our lives: not only do we like them, but in some cases, they are our basic tools for survival. They take us to our jobs, to the grocery store, to school, and to the hospital. Which is why your average Joe would rather get rid of their refrig-erator or smartphone before getting rid of their car.
Both in symbol and value, the car is the most significant asset we own. Because the former usually outweighs the latter, we are hesitant to give up our automobiles during financial strains. Even so, there are moments when our household expenses are compounded by unex-pected and costly emergencies and cashing in on our vehicle's value is our only choice. Howev-er, we don't have to lose the use of our car in exchange for quick cash. With a Tennessee title loan, you get to keep and drive your car while accessing the money you need.
Tennessee title loans allow you to leverage your vehicle for quick cash. There are no credit checks or waiting periods. All you need to qualify is a drivable vehicle, its lien-free title, and photo ID. If you bring those in to a Mid-South Title Loans office, you can receive a cash loan of anywhere from $150 to $2,500, based on your vehicle's value. Plus, you get to leave our of-fice not only with quick cash in hand, but also with your keys. You keep your car while we hold on to its title. Once you've repaid your title loan in full, we'll return the title to you, along with our sincere thanks!
At Mid-South Title Loans, we know time is of the essence, so we have three convenient loca-tions throughout the Memphis metro area to better serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you'd like to jumpstart your title loan process, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis today! You don't have to sell your car to get the quick cash you need to cover emergency expenses. After a visit with us, you'll be back on the road and carefree in no time!Read more