Your Questions About Title Loans

James asks…

Need cash urgently want to use car as collateral or car title loans in toronto ?

barry0912 answers:

With proof of income and a good credit rating you should be able to walk into any bank and get started on the paperwork right away.

With a poor credit rating and proof of income, you may be able to get one from any “Pay day loan” places although the fees and interest are absolutely atrocious.

With no income, regardless of your credit score your options are to either find someone to cosign for you who has a good credit score and income, or borrow money from friends/family

Steven asks…

How would an online title loan company know if my car is broke?

Has anyone ever used TURBO TITLE LOANS? It says they need a car title and a key. If it is online How do they get my car title and key? Also would they no if my car was broken? How?

barry0912 answers:

Title loan places are to be avoided at all costs. They will want to see the car.

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Your Questions About Title Loans

Lisa asks…

how to get out of title loans?

I took out a title loan for 2000 dollars 2yrs ago and have now paid back over 3000 dollars and the loan company is saying the money went to the principal and i still owe 2000 dollars. how do i get out of this?

barry0912 answers:

Tony:

The only way “out” of a loan is to satisfy the terms and conditions that you agreed to. When you took out the loan, you signed a promissory note – that’s where you’ll find all of the details of the agreement. If you signed it, you’re responsible for everything in there. If the loan contains unconscionable terms, you might have some recourse, but even then, you’d have to demonstrate that you were either incapable of understanding the terms that you agreed to, or that you had no choice but to accept the agreement.

The repayment schedule on your loan is determined by your interest rate, by the length of time that you have to repay, and by the amount of your monthly payment. If your interest rate is high, the repayment period is long, and your monthly payment is small, it could well be possible that you still owe pretty much everything that you borrowed.

The trick to repaying a loan quickly is to pay more than the minimum payment every month – that applies to credit cards, mortgages and any other type of borrowed funds.

I’m guessing that you misunderstood one thing that the lender told you – it’s unlikely that your payments went to principal, because if they had, you’d be in good shape. I think the payments that you’ve made have all gone towards some outrageous interest charge.

Just as an example, if you borrowed $2000 at 24% and made payments of only $41 a month, you’d wind up repaying almost $7700 and it would take you more than 12 years to repay the loan.

Get out the promissory note and check your interest rate and your payment term and your payment amount, and pay as much as you can. If possible, try to refinance this debt with a lower interest rate loan.

Good luck.

John asks…

Any one ever used Title Loans?

Has anyone ever used TURBO TITLE LOANS? It says they need a car title and a key. If it is online How do they get my car title and key? Also would they no if my car was broken? How?

barry0912 answers:

A car has to be worth at least $500 on the open market to qualify for title loans. A Salvage title is allowed. Customers will be asked about the current condition of the vehicle. The car needs to be running and in drivable condition, however, it can be in the shop in some cases. Previous clients have used title loans to pay a mechanics’ bill. This way, they get their repairs even when the repair shop won’t finance the bill.

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Your Questions About Anonymous Twitter

Nancy asks…

How to get people to follow me on twitter?

I started a twitter and I want followers how do I get them its more like a blog on twitter I dont want my friends to know that its mine its an anonymous accout sprt of thing so please tell me ways to get followers
username love beauty life

barry0912 answers:

Hi,
This is easy :
Follow me and I follow you, OK!
Here is my twitter : @Yahuana70
Thanks !

Linda asks…

Will online activity (of commentary websites like blogs, twitter, yahoo answers) always remain anonymous?

If you sign up for one of these sites anonymously, the only thing that can really be traced to you is your IP address (and possibly MAC address – though not sure). My question is – would there ever be a future scenario, for whatever the reason may be, in which IP addresses begun to be linked to certain people’s names – so that in a way, others could know what online activities you’ve been involved with?

Or, would this scenario be a breach of the right to privacy – and this information would always remain anonymous forever?
In other words, can ISP companies reveal the names of individuals linked with certain IP addresses? Or, is this against the privacy law?
What I meant in particular was, if a person is too opinionated in their online activities – can ISP’s oust people like that?

barry0912 answers:

It’s already not anonymous. ISPs do hand over customer based on IP address. E.g. Police find man trying to cyber sex a child, they go to his ISP, ask them who used this IP at this time, they give info.

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Your Questions About Anonymous Text

John asks…

Have you ever used a site that sends free anonymous text messages?

Do any of them really work?

barry0912 answers:

No never if i want to send any message eithor positive or negative i am dare enough or bold enough to send it with my own id

Daniel asks…

How can I send an anonymous text message.?

In australia, no strings attached, no registration, no fees.
just a simple anonymous text?

barry0912 answers:

Buy a new sim OR borrow a friends cell OR use one of these sites:

http://txtemnow.com/

http://www.ehow.com/how_5053534_send-anonymous-text-message.html

You better not be doing anything illegal though…

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Your Questions About Anonymous

Susan asks…

What should I do? An anonymous letter was sent to my organization maliciously destroying my integrity?

Recently, my organization head received an anonymous letter saying I did extortion and accepted bribe money for the past two years? The writer is unknown, no address, and it mentions no specific victim of extortion. It contains no lead to a fact of the complain. Honestly, I did not do any such unethical acts!. My supervisor and boss said they will review the over a thousand cases of my work for the past two years, and I am not afraid. What will I do? Who could have done this to me?

barry0912 answers:

You may never know who sent the letter. While its normal to wonder, it can also drive you crazy.

The most important thing in this situation is to remain calm, keep your cool, smile, cooperate and go about your work. Do not allow the inquiry to interfere with your continuing to do a good job.

Second, your organization should contain any possible damage to your reputation. If they feel the need to look into the letter, then fine. Not knowing all the facts, its hard to say if they are acting correctly in even responding this way. They should, however, act in a manner that respects your reputation. The inquiry should be limited to what’s necessary to produce results, and the people involved should be limited only to those that can offer necessary and relevant information and / or have an absolute need to know in order to complete the inquiry. That’s normally legal, HR, your supervisor(s) and other employees that have direct and personal knowledge of important facts. They should do what’s necessary to finish the inquiry as soon as reasonably possible so everyone can put the incident behind the organization.

The specific rules on these matters differ by country and state. Also, the allegations can be criminal, which is fairly serious. I would consider consulting with an employment lawyer in your area. I would avoid involving counsel in the discussions with your employer, and I might even hesitate to make public the fact you are consulting with counsel. That tends to put the discussion on an adversarial footing, some people will react negatively (assume you have something to hide), and it may appear as if your concerned and not cooperating. Having said that, getting some advice in the background is always a good thing … And you can work with your counsel on when, or if, its ever reasonable to involve him / her in the matter.

Good Luck.

Chris asks…

How do I become truly anonymous on the internet?

I already use tor what else can I do because I heard of the government getting passed tor’s security. Is there a computer I can by that is without IP or something. I currently have a mac book are there settings I should turn off or on. How do I become truly anonymous on the internet?

barry0912 answers:

If you don’t have an IP address then it is physically impossible for you to be on the internet. End of story.

The best option would be to use Tor AND pay for a professional VPN that DOES NOT keep any IP records period (some do even though they say they protect identity). Additionally use a browser which randomizes the user agent per every webpage, does not keep cookies, and does not support java.

True anonymity is impossible without getting into a main internet line without the use of an ISP.

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Your Questions About Anonymous Mask

Chris asks…

Can i be arrested in California for wearing a mask in public?

I was going to hand out fliers for a group called, Anonymous, and was going to wear a Guy Fawkes mask (the mask in V for Vendetta) and heard somewhere that it is a misdemeanor and can be arrested and just wanted to see if that was true.

barry0912 answers:

It was, and still may be, illegal in California to wear a mask that prevents you from being identified while part of a larger protest group. I doubt anyone would be arrested in the current political climate.

Lizzie asks…

How does an anonymous writer do a book signing?

Entertaining thoughts on being an anonymous writer myself, I was wondering how in the world a writer aiming to remain anonymous does a book signing. Do they ever do book signings? If so, then how? Surely they don’t get other people to sign the books in their name! So how, then, without putting on a disguise of some sort like a masquerade mask and cloak or something like that?

barry0912 answers:

Anonymous writers or people who write under pennames don’t really have the option to do book signings. They chose anonymity, and going out in public at all would really defeat the purpose. Anonymity also rules out a lot of the best parts about being a writer, like meeting others at conventions. I don’t see the point of anonymity – why not take credit for your work?

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