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Options When You are Out of Money But Really Need to Get That One Car

Driving is one of the most entertaining things there are. Being out there on the road, with nothing else on your mind and the wind blowing in your hair, is just fun and relaxing. Having your own car is part of what makes this whole experience wonderful, but unfortunately, it is not always easy to get one. Cars don't exactly come cheap. Yet, they are a necessity for many people and they rely on having a vehicle to do chores or go to work. So, what can you do if you want to get that one car you love so much but you don't have money? One of the best options when it comes to this dilemma is auto title loans. As explained on Max Cash title loans reviews, you don't need to give up the car when you use it as collateral, which is why this type of loans is ideal for many people

Auto Title Loans

Auto title loans are a great option if you are looking to get some cash quickly to buy a car. Let's say your family has another car that they don't want to sell. You can use this vehicle as collateral for the loan, and you take the money and buy a new one. You get to have the money that you need without giving up ownership of the much-needed car. Your car is valued and you can take a loan of up to 50-90% of its value, which you can use to get the new one.

Why Auto Title Loans are Convenient

Your Credit Score is Unimportant

One of the most important reasons why auto title loans are quite popular is the fact that lenders don't care about your credit score here. A lot of people suffer from having poor credit scores and it affects every financial aspect of their lives. Taking out loans becomes much more complicated because lenders see you as a risk. This is why many resort to auto title loans. Lenders, in this case, don't take your credit score into consideration. So, even if you have a poor score, you can still get the loan and buy the car that you need.

Fast

Another reason why people prefer car title loans much more than many other types is the fact that they can be pretty fast. Because their verification and authentication process for a loan doesn't have as many requirements as banks, auto title loans can be issued within a few days at the most, which is quite useful if you are in a hurry. If you applied for a bank loan, which is a valid option if you need money, you can wait for weeks until your work history is reviewed, the credit score is checked, and just general reliability is put to the test since banks won't give you the money if they see you as a risk. As for auto title loans, everything is done within a couple of days.

How Does it Work?

You, the borrower, would sign the title of your car to an auto title loan company for a percentage of the car's total auction value as explained earlier. You get to keep using your car, but the lender keeps the title as collateral in case you default on any of the payments. You can pay the loan amount in a single payment, often after a month, or you can have a long-term yearly installment plan. If you fail to make your scheduled payments, the auto title loan company has the right to repossess your car immediately since it is technically theirs as mentioned in the title.

Cons of Auto Title Loans

The biggest problem with auto title loans is the fact that they can be very costly. They do have the benefit of not needing a good credit score, which is very important for some people, but you will pay for that luxury. If you have an annual installment plan, you will pay over 100% interest, and it sometimes can even be double that, which can be quite taxing for some borrowers as they fail to keep up with their payments because of the huge interest rates. This is something that you definitely need to take into consideration because auto title loans don't come cheap and can put a strain on your already weary finances.

That being said, at the end of the day, the choice is yours. If you desperately need money to get that car, an auto title loan can definitely help you and you will have the money that you need in no time. If you know for sure that you will be able to repay the loan fully without getting into that vicious cycle of interest rates accumulating, you should go for it. You will get the money easily from the lender and you can get your new car.

5 min read
Self

Lessons Learned and the Power of Turning 50

Except for 16, I have celebrated all of my milestone birthdays in New York City.

I turned 16 in Arnold, Missouri. Arnold is a small town (though not small anymore) 20 miles south of St. Louis. St. Louis is known for the Gateway Arch, a beautiful arch of shiny stainless steel, built by the National Parks Service in 1935 to commemorate Thomas Jefferson's vision of a transcontinental U.S. St. Louis is also known for its custard, a frozen dessert that is so thick, they hand it to you upside down with a spoon inside. Something else about St. Louis you should know is that there is a courthouse just steps from the base of the Gateway Arch where one of the most important cases in history was tried: Dred Scott v. Sanford.

I'm turning 50 during what I define as a miraculous time to be alive.

Mr. Scott was born into enslavement around 1799 and, in 1830, was sold to a military surgeon who traveled back and forth between his military posts in Illinois and Wisconsin, where slavery was prohibited under the Missouri Compromise of 1820. In 1842 the doctor and Mr. Scott both married, and they, all four, returned to St. Louis. Still enslaved, Dred Scott filed a lawsuit against the doctor's wife for his and his wife Harriet's freedom. We don't know exactly why he chose this moment in time to file a lawsuit, however, he did. At the time of filing his, now, famous lawsuit, he was 50 years old. Ultimately, The Scott family did not gain their freedom, but their profound courage in filling this case helped ignite the Civil War and what we would come to know (or think we know) as freedom from enslavement for all human beings. Powerful then and even more powerful now.

My next milestone was turning 21, and I did it in the Big Apple. Having only moved to "the city that never sleeps" a few months prior, I knew nobody except my new friends, the bus-boys from the restaurant I was working at, Patzo's on the Upper West Side. And, yes, pazzo is actually the correct spelling of the Italian word, which translates to "crazy." Trust me we all had several laughs about the misspelling and the definition going hand in hand. I worked a full shift, closing out at around 11 PM, when, my kitchen team came out from the line with a cake singing, "Cumpleaños Feliz." It was fantastic. And the kindness of these almost-strangers was a powerful reminder of connection then as it still is today almost 29 years later.

I design the life I desire and the Universe creates it for me every day. I show up, keep the story moving, and work hard because I am relentlessly devoted to making the world a better place and this is how I choose to leave my legacy.

When I turned 30, I had just finished a European tour with Lucinda Childs dance company. The company had been on tour for months together and were inseparable. We traveled through Paris, Vienna, Lisbon, and Rome. We ate together, we rode on a bus together, we had drinks after shows together, and we even took turns giving company class to get warmed up before a show. It was deeply meaningful and dreamy. We ended the tour back in New York City at BAM, The Brooklyn Academy of Music. It was an incredible way to end the tour, by being on our home court, not to mention I was having an important birthday at the culmination of this already incredible experience.

So, when I invited everyone to join me at Chelsea Pier's Sky Rink to ice skate in late August, I was schooled really quickly that "tour" does not mean you are friends in real life, it means you are tour friends. When the tour ends, so does the relationship. I skated a few laps and then went home. This was a beautiful lesson learned about who your real friends are; it was powerful then as it is today.

Turning 40 was a completely different experience. I was in a serious relationship with my now-husband, Joe. I had just come off of a successful one-woman dance show that I produced, choreographed, and danced in, I had just choreographed a feature film, John Turturro's Romance and Cigarettes, with A-list actors, including Kate Winslet and James Gandolfini, who became a dear friend and had even been on the red carpet with Susan Sarandon at the Venice Film Festival for the movie a year earlier.

And I encourage all women to identify their power and choose to be fully in your power at any age.

This was a very special birthday, and I had, in those 10 years between 30 and 40, come to cultivate very real friendships with some wonderful colleagues. We all celebrated at a local Italian restaurant, Etcetera Etcetera (who is delivering for those of you in NYC — we order weekly to support them during COVID), a staple in the theater district. Joe and I were (and are) regulars and, of course, wanted to celebrate my 40th with our restaurant family and friends. We were upstairs in the private room, and it was really lovely. Many of those in attendance are no longer with us, including Joe's Dad, Bob Ricci, and my dear friend Jim Gandolfini having transitioned to the other side. Currently, that restaurant is holding on by a thread of loving neighbors and regulars like us. Life is precious. Powerful then and today even more so.

I write this article because I'm turning 50, still in New York City. However, I'm turning 50 during what I define as a miraculous time to be alive. And I could not be more filled with hope, love, possibility, and power. This year has included an impeachment hearing, a global pandemic, and global protests that are finally giving a larger platform to the Black Lives Matter movement. Being able to fully embody who I am as a woman, a 50-year-old woman who is living fully in purpose, takes the cake, the rink, and the party.

I'm making movies about conversations around race. I've been happily married for 11 years to the love of my life, Joe Ricci. I'm amplifying and elevating the voices of those who have not previously had a platform for speaking out. I choose who to spend time with and how long! I design the life I desire and the Universe creates it for me every day. I show up, keep the story moving, and work hard because I am relentlessly devoted to making the world a better place and this is how I choose to leave my legacy. Being 50 is one of the most amazing things I ever thought I could experience. And I encourage all women to identify their power and choose to be fully in your power at any age. I'm 50 and powerful. Dred Scott was 50 and powerful. This powerful lesson is for today and tomorrow. We have the power. No matter what age you are, I invite you to use your powerful voice to join me in making the world a better place.