December 19, 2017
December is obviously the season of A Christmas Carol, but January puts us in mind of a very different sort of Dickens: the start of the new year can be the best of times, but it can also be the worst of times. On the one hand, we're still basking in the glow of holiday cheer (and maybe the glow of a new 55-inch 4K Ultra HD LED flat screen TV from Santa). On the other hand, the beginning of the year marks the arrival of a flurry of bills and other expenses.
This is the time of year when many of us get hit with HOA dues and insurance bills. Some of us have younger kids who will need new clothes for winter and spring or older kids who need college tuition, book fees, and other back-to-school expenses. And of course, taxes will soon be due for everyone. None of this takes into account your inevitable upcoming expenses, either: maybe you're planning on taking advantage of the great after-holiday sales or going on a trip in the new year. Chilly as it's been here in Memphis, TN, we all know summer is coming, so maybe you're planning on putting in a new pool and bringing your relatives into town for the start of outdoor pool season. Whatever your circumstances and ambitions, the start of the new year is the perfect time to get all your ducks in a row.
The Holiday Bills Are Coming!
Every January it's the same old story: just when you thought you were done with unexpected guests, the mailbox fills up with unwanted visitors. Every year our presents, decorations, and eggnog seem to get a little more expensive, too: Time magazine just reported that most Americans expected to drop close to $1,000 this holiday season. That was just the average, too, with some of us spending far more per person on their wish list. The start of the new year can be a bit of a reality check as we realize just how festive we were feeling, financially speaking, and most of us feel the pinch as the bills come due. With tax season waiting in the wings, it can all feel a little overwhelming, but the good news is title loans in Memphis can help.
School is Back in Session
Whether they're young or old, your kids are almost definitely going back to school after the winter holiday break. Little ones will need warmer school clothes, from jackets and boots to hats and scarves. Older kids will probably need new books, activity fees, and possibly tuition for the new semester. Regardless of how old they are or what sort of school they attend, there will always be a few extra expenses, too: extracurricular activity fees, college prep classes, an out-of-state school trip, or maybe even a study abroad opportunity. We get that you want the best for your kids and these expenses are all very worthwhile, but having them hit right after you spent a lot over the holidays can seem daunting. That's exactly why thousands of local shoppers turn to title loans in Memphis, TN for a little extra help.
Taxes and Insurance Bills Come Due
Unless you're an accountant, chances are you aren't excited about doing your taxes. The prospect of diving right into them after the holidays may seem daunting, but it's much better than putting them off until the last minute. It can take a lot of valuable time to get all your receipts and spreadsheets in order. To make matters worse, most American households spend between $175 to $250 on tax-preparation fees. Seeing as how many of us already spread ourselves thin over the holidays, that expense couldn't come at a less convenient time, especially with renters and homeowners insurance coming due at the beginning of the year. If your payments aren't escrowed with your mortgage, you may be facing several thousand dollars worth of insurance premiums and taxes all at once. Feeling a financial squeeze is pretty much inevitable.
Winter Season Repair and Maintenance Expenses
On top of all the obvious expenses that arrive with the new year, we usually get hit with some less expected ones in the form of necessary home maintenance and repairs. Winter has just arrived in earnest, and it is often the hardest season on the home. If you own your own place, you know it is a never-ending work in progress, and cold weather brings the threat of rising energy expenses, a heating system malfunction, frozen pipes, power outages, gutter and downspout clogs, and a host of potential problems with snow and ice. None of that takes into account potential winter maintenance issues with the family car, either. Winter is just plain hard on everything, and unexpected repairs and maintenance costs can quickly add up. Tuning up your heating system will easily set you back a few hundred dollars, and if this is the year that your furnace gives up the ghost, it will cost you thousands to put in a new one. There is never an ideal time to spend a lot of money on home repairs, but the beginning of the year seems like the absolute worst. If unexpected financial burdens are getting you down, now is the time to turn to title loans in Memphis, TN for relief. It's as simple as picking up your phone.
Memphis Title Loans Can Help!
Depending on the value of your vehicle, car title loans in Memphis from Mid-South Title Loans can offer you anywhere from $150 to $2,500. A car title loan in Memphis from Mid-South Title Loans requires no credit check, just a photo ID and a lien-free car title. You keep your car the whole time, too. What could be better than that?
Don't Start off the New Year Buried in Bills
Figuring out exactly how much you will owe and to whom is most important first step to balancing your finances. This is the perfect opportunity to sit down and figure out your personal or household budget not just for the coming months but for the coming year. As you do the math, be sure to keep in mind that there are short-term loan options such as title loans in Memphis that can give you some breathing room.
Juggling post-holiday bills, tax-preparation fees, and everything else may not be fun, but a car title loan from Mid-South Title Loans can be the key to financial freedom. Visit any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
December 19, 2017
These days, Christmas doesn't just come once a year. Christmas is an entire season, like fall or summer. Have you noticed that holiday displays are going up in stores after Halloween these days? That means there's close to two full months of Christmas to get through, and that can really put a hurt on your wallet.
Even if you don't celebrate Christmas or don't feel like you celebrate much, the holidays are a time when extra money seems to go quickly. If you drive around Memphis, it seems like just about everyone has some sort of décor up around their yards. There are tons of lights on the trees and bushes, sometimes accompanied by a big inflatable Santa Claus or eight animatronic reindeer. And even if there aren't many yard decorations, almost everyone has a big tree in the window, sparkling with lights and ornaments. Cookies are baking in the oven, a fire is in the fireplace, or maybe you're out with all your family doing some shopping for the long list of people you need to remember this time of year with a trinket or token. Some people are packing to go visit their relatives and loved ones in other cities or states; others are cooking in anticipation of those friends and family descending on their house as a big crowd.
No matter how you celebrate the holidays, it's more than likely that your holiday expenses have already started to add up. Most of us could use a little relief when the holiday costs start going beyond the budget we've made for ourselves. Even when you plan, there can be unexpected costs that you can't cover. When that happens, a title loan in Memphis can offer you some immediate help!
The Cost of Holiday Gifts for Friends and Family in Memphis
In a recently conducted Gallup poll, it was discovered that the average person intends to spend $800 to $900 every holiday season… just on gifts alone! A fair percentage of people—around 30%—intends to spend over $1,000. Maybe those numbers seem high, but when you have an average family of four, plus extended family members such as grandparents, aunts, uncles, and cousins, you can end up spending a lot even if you're only spending $100 a person or so. Not only will your family members want things like toys or games (or expensive gaming systems), HDTVs or iPhones, they'll also be getting things like coats and socks and books and those little fun stocking stuffers that really make Christmas. Even if you celebrate Hanukkah or Kwanzaa, those costs can really result in some severe sticker shock by the end of everything. And that's saying nothing about other gifts—little tokens you might give to your gym buddy, your neighbor, or whoever just shows up on your doorstep this time of year. You know it happens!
Holiday Dinner and Party Expenses
Here in Memphis we know what good food really is, and during the holidays, we really like to pull out all the stops. But holiday dinners and parties cost money! If you're hosting a dinner at your home, it's estimated you'll spend anywhere from $10 to $25 per person if you're throwing a full holiday dinner, soup to nuts, ham to cake. There's wine, soda, and other beverages to consider, and of course you'll get some flowers for the table, little favors for your guests, and before the meal you'll serve appetizers, and after you'll either order a dessert at the bakery or spend more on materials to bake one yourself. The tab at the grocery store can be staggering when you also add in paper plates and napkins so you're not spending your entire night cleaning up for a crowd.
Costs Related to Business Gifts for Coworkers
Anyone who works in a traditional office environment or a workplace like a retail job knows that there's always a few extra dollars that fly out of your wallet around the holidays. You'll need to consider that Secret Santa gift exchange or the traditional office White Elephant party. You might have a favorite co-worker who came through for you this year that you want to honor, or maybe you want to show your boss you care. It's also nice to bring a holiday treat to share in the break room. If you're a small business owner or entrepreneur, business gifts during the holidays can be extremely hard on your budget. Industry experts estimate that small business owners can pay up to $750 on gifts for their clients around the holidays. Even greeting cards can take their toll. And if you're throwing a party for your staff, well, that can run you $1,000.
Leaving Town? Adding Up Holiday Travel Expenses
Sometimes it's nice to get away for the holidays instead of spending them at home. While many of us like nothing better than to spend the holiday in the living room with everyone, including the family pets, it might be necessary to travel. Even if we're not talking about booking a Caribbean cruise for the whole family, it might be necessary to travel for the holidays, and that can be a strain on any budget. If you can't stay with the people you're visiting, a hotel room can be around $150 a night. Food expenses can be about the same. You'll also need to think about entertainment, and of course, there's gasoline for your car or van. If you're flying during the holidays, well, we don't need to tell you how expensive that can be.
Holiday Relief with Title Loans in Memphis
Car title loans in Memphis at Mid-South Title Loans can be a Christmas miracle. Most of our loans range from $150 to $2,500. We'll assess your car and see what we can do for you. No credit or bad credit? Not a problem. We don't check your credit at Memphis car title loans. All you need is just a lien-free car title and a photo ID.
Get Some Help with Holiday Expenses
It can be easy to get caught up in the details, but truly the holidays are a magical time of year whether you celebrate Christmas, Hanukkah, Kwanzaa, or even Solstice. The holidays are a time where we spend time with our friends, family, and loved ones. That's worth any price tag, but because we know so much is at stake this time of year, there's a lot of pressure to make them as merry and bright as we can. Budgeting and watching your bottom line can only get you so far. Even if you meticulously plan for everything, an unexpected doctor's bill can throw everything out of whack. For times like that, title loans in Memphis are an easy way to make ends meet. Mid-South Title Loans in Memphis offer three convenient locations throughout the Memphis metro area: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're looking for a title loan in Memphis, you can start the process online by clicking on our 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
December 19, 2017
It's estimated that every year Santa will bring gifts to hundreds of millions of good little children worldwide. Of course, we'll never know if all those children are truly nice or if they've been naughty—that's a trade secret held by those jolly old elves up at the North Pole. Regardless, the cost to Santa every year must be incredible. Not only does he need to acquire materials to make all those toys, from candy canes to wooden soldiers to toy cars to dolls to the iPad Pro (if we're being honest), but there are the labor costs to consider. Overtime alone for the workers in Santa's shop must be staggering. Then you have to think about the reindeer. There are eight of them plus Rudolph, and they're all getting time and a half for working on Christmas. Even if Santa only pays them in hay and carrots, that's still a lot!
Of course, in all seriousness we all know that "Santa Claus" is really and truly the collective effort of hundreds of millions of hard-working parents, grandparents, aunts, and uncles worldwide. But that doesn't mean we're joking about the cost. Christmas may come once a year, but that doesn't mean it isn't a significant expense for people. Even if you celebrate Hanukkah or Kwanzaa, the end of the year—the "holiday season"—is filled with tons of expenses. Everyone wants to give their families an amazing Christmas Eve and Christmas Day. For parents and other relatives who are dead set on making a rich holiday experience for their families, the "winter wonderland" out there can seem like a cash nightmare. People often find they come up a little short come Christmastime, but that's nothing to feel ashamed of. Everyone needs a little help sometimes. Fortunately, car title loans in Memphis can bring a little bit of relief where it's needed. Even Santa has Mrs. Claus and his army of elves.
Gifts for Kids Breaking Your Budget?
There are always popular toys every Christmas. Remember Tickle Me Elmo, the Tamagotchi, or even the Cabbage Patch Doll? It seems like every year there's something the kids just have to have, and these days, those things are getting even more expensive. Hatchimals, the robotic toy that's driving all the kids wild, will set you back $60. Sphero's Star Wars App-enabled R2-D2 will run you $200. Video games can be anywhere from $40 to even $60, no matter what gaming system your kids have. With older kids, things can be even more costly. Teenagers may want a musical instrument, such as an electric guitar or a digital keyboard. Either of those will run you between $600 and $800 easily. If your kids are dying for their own iPhone or laptop, that can be $800 to $1000 dollars. If they have their heart set on some sort of fashion sneakers, only Santa knows what those will run you, even if they're just shoes. If your oldest wants a flat-screen TV for her bedroom, that's another $600. And of course you have to pick up all the things from "Santa" that your kids need every year, from warm clothing to winter coats to plenty of books to read over the school break. If you have a family of four, that's a huge tab.
Stocking Stuffers Can Be Pricey
When your kids hang their stockings by the chimney with care in the hopes that St. Nicholas soon will be there, it's hard to not want to fill them with all sorts of great if smaller gifts. Gone are the days when children were delighted by a shiny new penny and an orange. Nowadays, stockings can hold things like candy bars and chocolates and candy canes… and also smart watches, earrings, bracelets, and of course those nice gift cards that everyone seems to love, especially picky teenagers who just want to go to the mall or online and get things for themselves.
Let's Not Forget ALL the Winter Holidays…
Some families don't celebrate Christmas, but there are plenty of other winter holidays with associated costs. Hanukkah and Kwanzaa are both gift-giving holidays, and Muslim, Hindu, and Buddhist families all tend to get together over the holidays. Families of all sorts are often dismayed by extra costs over the wintertime, no matter how carefully they budget. Even if you don't celebrate Christmas, there may be holiday costs associated with your kids' school. Costumes for music programs, a treat for the end-of-year party, or a Secret Santa among the kids at school all add up. The truth is no matter where you attend holiday services, families face the same dilemma of not having enough money to cover gifts and trinkets that mean so much when the weather gets cold. The good news is a car title loan in Memphis is a non-denominational way to make ends meet this time of year!
The High Cost of Annual Holiday Events
No matter what you celebrate, the winter holidays mean a season of holiday events, parties, get-togethers, shindigs, and trips. You need to get to your kids' winter holiday program at school, which means coughing up a little extra for food, decorations, or costumes. You may want to send your kids to the same play or musical at the local theater that all the rest of the neighborhood children are going to. Maybe you all just want to get dressed up and go to a nice dinner or visit the mall to see Santa Claus. Maybe you need to visit all your uncles, aunts, and grandparents all over town—or out of town! That's a lot of extra gasoline. And if your office does a Secret Santa or White Elephant gift exchange, that's extra money too, to say nothing of hostess gifts for your annual holiday party. When festivities and merriment consume your holiday budget, a car title loan in Memphis can help.
Car Title Loans to the Rescue!
Car title loans in Memphis from Mid-South Title Loans range from $150 to $2,500 based on our assessment of the value of your vehicle. To get a car title loan in Memphis from Mid-South Title Loans you need a lien-free car title and a photo ID. We do not perform a credit check—it's easy. You keep your car and your keys, so you can still get to all your holiday gatherings. You just have a little extra cash in your pocket.
Give "Santa" a Much-Needed Break this Season
There is no greater pleasure for a parent than seeing the delight and wonder in their children's eyes come Christmas morning when they run downstairs in their pajamas to unwrap the one thing they've really wanted this year. Parents of all faiths and cultures take great pride in sharing the warmth of the holiday season with their kids. But sometimes, no matter how carefully you plan and clip coupons and bargain hunt, it's still easy still go over your budget.
Don't abandon your holiday plans over a few dollars. A car title loan from Mid-South Title Loans can help you have the Christmas you want and your family deserves. So get into your sleigh and come over the river and through the woods to any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
November 28, 2017
Winter has arrived, and we are settled in for our favorite indoor activities. For some, those activities include learning new hobbies like fly tying or brushing up on old hobbies like roasting the perfect turkey. However we spend our winter hours, being stuck inside means you also get to take in and scrutinize your surroundings more. You realize that the dripping faucet is a hardware problem, that your windows and doors need better insulation, or that the aubergine wall paint that was hip five years ago is inducing cabin fever.
This isn't uncommon. The winter season tends to be the time of year when most indoor home renovations and repairs are done in the Memphis area. If you don't upkeep minor issues like periodically re-caulking your bathroom tile or cleaning the gutters, you will find yourself in a major domestic predicament later on.
Some of the most common winter-month repairs and improvements are pretty low-maintenance. To really see what needs the most TLC, you should first inspect the parts of your house that receive the most wear and tear. Then check areas that aren't utilized most of the year, such as your fireplace. Make sure your chimney is clear of debris and that no vermin have nested. Also make sure that you've rid the chimney of creosote, which is built up from the ash and smoke of the last winter and is highly flammable.
If you want to go beyond basic maintenance, you can look for some quick fixes by oiling squeaky hinges and dusting squeaky floorboards with talcum powder. If you want to renovate big, you can always repaint your walls or refinish the cabinets or even gut your bathroom and remodel it with that whirlpool tub you've always dreamed about.
Whether you decide to stay small or go big with your winter home improvements, just make sure you budget accordingly. If you are like the average home owner, you are looking at spending at least $2,500 on home repair. If you find something that needs fixing this winter, short term loans for minor house repairs and improvements during winter months could be a game-changer.
Short term loans for minor house repairs in Memphis from Mid-South Title Loans allow you to leverage your lien-free vehicle to get quick cash within 20 minutes or less. With loans ranging anywhere from $150 to $2,500, all you need to qualify is a drivable car, its lien-free title, and a photo ID. Not only will you find the money you need, but you get to keep the use of your vehicle while repaying the short-term loan!
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 to cover minor house repairs and keep your winter projects on track, 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
November 25, 2017
Do you think you could use a car title loan but are unsure what it is all about? Title loans in Memphis provide a simple and fast means to getting cash in hand with no hassle. A title loan allows you to leverage your vehicle's value against a loan ranging from $150 to $2,500. While you will have to fill out some brief paperwork, there are no credit checks or approval waiting periods. In fact, Mid-South Title Loans guarantees your approval will be granted within 20 minutes, and you will get to leave the office with cash in hand along with your car keys. That's right. You get to keep the use of your car while you repay the loan. The only requirements you typically need for car title loans in Memphis are a drivable vehicle, its lien-free car title, and a photo ID.
Is the phrase "lien-free" giving you pause? It should, as it is the most important caveat we will discuss today. When searching for title loans with liens online, you will come up with unsatisfactory results. Finding title loans with liens is as rare as finding a 1936 Harley-Davidson EL "Knucklehead" in excellent condition at a self-storage auction. Why? Because having a lien on your car, truck, or SUV means that you do not own the car. A lien on your vehicle means that another lending institution such as a bank or a lending company can claim it. If you have financed your vehicle and are still making payments on it, then the bank or other financial institution you are repaying has a lien on your title, and you are ineligible for a car title loan.
Another way to put it is the other lending institution is part owner of your vehicle until you have paid for it in full. If you are not the sole owner of your car, then you do not own collateral to leverage against a car title loan. You cannot exactly take loans out on other people's property, and so long as you have a lien on your car, it is not officially yours. It may feel like you own your vehicle. After all, you're driving it every day to the places you need to be. But until the amount owed to the bank is zero and the financial institution's name is struck from the title, you are ineligible for a title loan.
While it might seem unfair that title loans with liens are rare, a lien-free title is necessary to the car title loan process. Requiring vehicles to have lien-free titles enables the most respected title loan companies in the Memphis area, such as Mid-South Title Loans, to do what they do best and serve thousands of satisfied customers in Memphis each year by helping them with title loans on the vehicles they own. It is also a policy that protects you from having to repay several creditors at once and simplifies your title loan experience.
A title loan from Mid-South Title Loans can get you quick cash when you need it most while keeping the use of your car. If you have a lien-free vehicle, stop into any of our three convenient Mid-South Title Loans locations in Memphis to get started today!Read more
November 20, 2017
When it comes to unexpected expenses, the old saying "when it rains, it pours" doesn't come close to describing the drowning feeling you get when the bills pile up. No matter how good you've been about your spending, inevitably there comes that one month when the skies open up and charges start beating down on your bank account balance like golf-ball-sized hail. If you haven't prepared for such a financial storm, your budget and necessary expenses—like your mortgage or car payment schedule—could be devastated, and your financial security as you know it could be sent into unrecoverable disarray.
One way to prevent this is to plan ahead as much as possible. Make yourself a money calendar where you note when the big spending months occur. For example, we know that springtime is home improvement time. You also know that your family vacation will happen somewhere around June or July. When your trip has ended you know there will be new clothes and supplies to buy for the coming school year. Right behind that are Halloween and fall festival expenses. That leaves the biggest spending quarter of all, Thanksgiving and the holiday season.
Once you've mapped out where the costs might fall, you can start saving and budgeting for their arrival. As organized as you might be on regular expenses, however, some events are hard to anticipate. Whether it's a higher heating bill or a car needing new tires, something unexpected can always crop up.
But isn't the average household income at a new-time high? According to the U.S. Census Bureau, the middle class median household income rose 3.2% between 2015 and 2016 to come in at $59,039. That may seem like a good figure, but it really just breaks down to an extra $150 a month. While every little bit helps, the majority of household income goes to everyday costs like housing, food, clothing, and transportation. With inflation and changing circumstances, that extra $150 will only go so far.
If you are in need of some extra cash to damage-control your budget, car title loans in Memphis can help. Car title loans allow you to leverage the value of your vehicle for quick cash ranging from $150 to $2,500. All you have to do is visit one of the three Mid-South Title Loans in Memphis and bring your drivable vehicle, its lien-free title, and a photo ID. Car title loans in Memphis from Mid-South Title Loans are hassle-free and don't require credit checks or waiting periods.
If your wallet has experienced a bit of stormy weather, come on by Mid-South Title Loans today! 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 looking for car title loans 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
November 15, 2017
Are you shocked that the winter holidays are already here? The warning signs have been in retail stores for months, but the reindeer LED lights were shelved beside the Halloween decor, so it seemed like there was plenty of time to get prepared. But now the Yuletide is here and, ready or not, it's time to get jolly.
Getting into the holiday spirit is more than just a mindset. It'd be a wonderful life, indeed, if we could just will the decorations, travel plans, and presents into being, or at least postpone the holidays until we were ready for them. But neither Christmas, Hanukkah, nor Kwanza waits for anyone, which means no matter how aware we are that the winter spending season is upon us, we probably aren't ready for how much it is going to cost us.
It's true you can't put a price on the experiences the holidays grant us. For many Americans, it's the only time during the year when we get to spend quality time with friends and family. Because this season is so dear, we have to get creative with our finances to defeat the many obstacles that lie between us and our loved ones. If you are leaving Memphis, you'll have expenses such as airline tickets, luggage fees, rental cars, or automotive repair to get your personal vehicle road-ready. Many consumer spending experts agree that holiday travel can set you back several hundred dollars on transportation, $200 in food and entertainment, and at least $500 for lodging if your folks' house is full. All of these expenses are easy to plan for. Where we really get hit in the pocket is with giving.
Last year, Americans collectively spent over $1 trillion on the holidays, according to the U.S. Commerce Department. Individually, they spent over $900 on holiday gifts and plan to budget close to $1,000 this year, according to the American Research Group's annual holiday study. This amount has increased since 2008, according to a report by Investopedia, due to increased (and even more accessible) Black Friday and Cyber Monday deals online.
If holiday expenses are becoming too much for your household budget, getting extra cash for the holidays with title loans in Memphis is easy. Come on by Mid-South Title Loans with your lien-free vehicle, its title, and your photo ID. After some quick paperwork, you will be in and out with cash in hand within 20 minutes. At Mid-South Title Loans, you can receive anywhere from $150 to $2,500 based on your vehicle's value. The best part is you get to keep your keys and continue driving to where you need to be for the holidays.
If you've checked your list, checked it twice, and still find out that your yuletide cash is tight, there's no sense in canceling Christmas. A title loan for extra holiday cash at Mid-South Title Loans can make your holiday merry and bright. Stop into any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
November 13, 2017
In Memphis, the average worker can expect to have about two weeks of vacation time annually if he or she has been with the company for longer than a year. When you are just starting a new job, however, the number of paid days off you can take are few and far between. Eventually you can build up your leave as long as nothing catastrophic happens. Paid leave is billed as paid leave, and that includes fun days like vacation and holidays as well as sick days. Vacations we can plan, but illness is always unexpected.
We all know we're going to get hit with something at some point during the year. There's always the chance that the common cold, influenza, migraines, an injured back, or food poisoning will knock us off our feet for a few days. There are also the routine appointments we keep to try to stay on top of our health, such as a root canal, a biopsy, or a PET scan, which can take us away from the office for a day. If you have a particularly bad health year, you could be out of paid leave before you realize you really need it.
While the above afflictions are considered pretty routine, it's the surprises that can wipe out our leave. If you ripped your meniscus playing softball, you could be out for at least a week. Depending on the diagnosis, a chronic illness could require several weeks, perhaps even months, to treat. Perhaps you've had a baby and need to take maternity or paternity leave. In cases like this, most employers will grant you leave without pay, meaning they will hold your job for you while you recover, but once you've run out of your allotted leave time, the paychecks stop until your return.
Job security is a comfort, for sure, but at a certain point, that doesn't do much for paying the mortgage and your other regular bills, not to mention your newly incurred medical fees. In some situations, being forced to take leave without pay can be more costly than a trip in an ambulance. If you don't have much in savings at the moment you become sick, you may need to look for other means of cash flow while on the mend. A short-term loan in Memphis is one alternative for getting your bills paid on time while recouping off the clock.
A short-term loan in Memphis allows you to leverage your lien-free vehicle for quick cash. If you bring your working car, its lien-free title, and a photo ID to Mid-South Title Loans, you could receive a cash loan ranging from $150 to $2,500 based on your vehicle's value. You also get to keep your keys and drive your car uninterrupted while you repay the loan.
If you are strapped for cash during an illness, Mid-South Title Loans is here to nurse your budget. 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 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
November 13, 2017
Our pets aren't just our best friends; they are family. As with other family, we'd do almost anything to keep them safe and happy. That is, we'll do as much as we can afford to. No one likes to think of our loved ones in terms of dollar signs, but when it comes to situations like veterinary bills, it can't be helped.
According to research by AVMA, 36% of U.S. households have at least one dog, and 30% own at least two cats. The study also found that about two to three veterinary visits each year are required to keep dogs healthy and that cats need one or two a year. Pet health insurance is even more difficult to obtain than human health insurance, so it's likely that most households will have to shell out anywhere between $90 to $375 on each routine vet visit.
Because these routine vet visits can be planned, it is easy to calculate those fees into our monthly budgets. It is the unexpected visits that we rarely are prepared for, and these large bills often catch us off guard. In the case of an emergency, you could see a clinic fee that's very well double or triple the price of a routine visit. For example, if your curious cat decides to eat your daughter's plastic hair ties or your dog gets a chunk of his favorite fetching stick stuck in his throat, the surgeries could easily cost you thousands.
Just like us, our pets require extra attention as they age. You can expect to see hip dysplasia in aging dogs, and all pets are as susceptible to glaucoma and diabetes as we are. Procedures and medications for these conditions will also cost several thousand dollars. As expensive as our pets' health might become, their continued companionship is priceless, and we will usually do whatever it takes to keep them healthy without question. However, when it comes to cost, sometimes the money just isn't readily available when we (and our pets) most need it.
When you're hit with a huge pet bill, one option is to see if your vet offers payment plans. If they don't, then you should pull your phone out, open up your Google app, and search for a "title loan near me." You will find that a title loan in Memphis is a quick alternative to finding the cash you need to keep Snuffles well and your family intact.
By Googling a "title loan near me," you will learn that there are no credit checks or waiting periods for title loans in Memphis. A title loan in the greater Memphis area allows you to leverage the value of your vehicle against a loan ranging anywhere from $150 to $2,500. The only requirements are your lien-free car title and a photo ID. If you bring those in to Mid-South Title Loans, you'll be out of the office with cash in hand, and your car keys, in 20 minutes or less.
Don't let an unexpected veterinary bill make you choose between your wallet and your pet. A title loan from Mid-South Title Loans can help you get the cash you need so your dog or cat can get the treatment they need to stay healthy and happy. Come on by any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
November 13, 2017
There aren't a lot of things that can break up the monotony of our day jobs. Sure, we can take a walk to the soda machine for ten minutes or so, maybe meet up with friends for a long lunch, but for the most part we are locked into our tasks for at least forty hours each week. There is one thing, however, that can save us from this daily grind—an out-of-town business trip.
While, yes, it is typically still work, the business trip is one of those few golden opportunities to mix business with pleasure. Of course, some restrictions will apply, as you will be representing your company. If you are presenting at a trade show, sealing the deal on a contract, conducting market research to find new opportunities for your company, or training new recruits, you won't want to 100% cut loose. Even so, a break is a break, and a trip anywhere outside of the office is basically a paid vacation, right?
Wrong. While you may be excited to escape the desk for a few days, there may be a few unexpected expenses, even if your employer is footing the travel bill. First, let's recognize what your savings are, thanks to that. According to a study from Certify, companies pay on average $949 for domestic travel and $2,600 for international travel per employee on a business trip. This includes at least air fare, rentals, and lodging. It doesn't always include meals or easily overlooked expenses that can add up quickly. For example, a traveling employee can expect to pay $182 in vehicle expenses, either to rent a car or to cover wear and tear on a personal car.
Personal expenses caused by the trip can be sizable as well. You will need to look your best, so your finest suits will need to be dry cleaned, and you will have to pay for a house sitter or caregiver to mind the nest while you are gone. All of this can add up to several hundred bucks.
It isn't unreasonable to expect your employer to cover most of these expenses, but companies have tightened up on what can be charged to their corporate credit cards. It's best to ask your boss ahead of time what can be expected to be covered. Even if your boss does promise to reimburse you for all expenses, you had better make sure you have a filing system in place for saving your receipts, or you may find yourself covering the entire bill!
Likewise, you need to account for a delay from the time you file your paperwork and when you receive actual cash repayment. It can take anywhere from two weeks to a month for your travel stipend to go through payroll. Depending on what time of month that falls in, that reimbursement could make or break your budgetary needs like rent, groceries, or credit card payments.
There's no need to wait it out, though. A Tennessee title loan in Memphis can give you the quick cash you need to buffer your professional preparations and insure you get some pleasure out of your business trip. A Tennessee title loan from Mid-South Title Loans in Memphis ranges from $150 to $2,500 based on the value of your vehicle. Tennessee title loans in Memphis require no credit check, just a lien-free car title and a photo ID.
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