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 Insurance

Mandy asks…

What value does a real estate lawyer add on top of title insurance?

If title insurance already protects against:
– survey errors
– legal description errors
– negligence
– forgery
– liens

and negates the need for:
– zoning compliance certificate
– tax certificate
– hydro/water/gas certificates
– law society levy

what value does a real estate lawyer add on top?

Is it just for wading through the legalese in the Offer and the Agreement?

barry0912 answers:

Depends on the transaction, if it’s a refinance, I would tend to agree with you even though I don’t understand what you mean by stating title insurance negates the need for tax and water certificate. I’d also be cautious of the legal description errors. I had a situation in NY, purchase, where the deed to the property did not contain a legal description at all. The previous title company would not give us a letter of indemity for our title and then come to find out our title underwriter would not accept it, the original deed had to be found and re-recorded, no exception, so I guess it depends on what you mean by “errors” On a purchase transaction, they usually add more value due to the purchase contracts and drafting of deeds, etc. To be bluntly honest, most attorneys usually dont even touch the file unless there is a major problem, their paralegals handle the day to day operations

Lisa asks…

Who is responsible for selling a bad title insurance policy?

I had property line dispute with my neighbor and my title insurance policy(First American Title Insurance Company) does not want to pay my $7k attorney fees for preparing the claim . They did not cover my out of pocket legal fees. I was sold a crappy policy 10 years ago when I purchased my residence. Who is in charge of choosing the title insurance company? Escrow company or the agent?

barry0912 answers:

Normally the real estate agent or the escrow officer select a title company they are accustom to working with. This is prevalent throughout the mortgage and real estate industry.

What the real estate agent or escrow loan or loan officer fail to tell their clients is that they may select the services of their choice.

Even if your title was not in excess of 10 year the title company only guarantee that liens against the property after your purchase would be paid and you would be getting a clean title to the property. You did not get a crappy title insurance policy.

I have used First American Title Insurance and have found them to be a competent title company over the years.

In most states and counties a property has been assigned a lot and parcel number with the dimension recorded at the county court where the property is located. If there is a dispute about the property as to where it ends and how much is yours, then you would have to hire a survey company to complete a survey to determine property lines.

I hope this has been of some benefit to you, good luck.

“FIGHT ON”

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Your Questions About Title Loans

Laura asks…

Car title loans.What is the average interest rate & what risks are involved?

Is this another form of preditory lending?

barry0912 answers:

Title loan lenders are able to charge triple digit annual percentage rates (APRs).
Your car can be repossessed. Very bad deal. Yes, it is a form of predatory lending.Read this:
http://www.cnn.com/2007/LIVING/wayoflife…

Http://www.answers.com/topic/predatory-l…
Cp

Michael asks…

how is it that loan sharking has become legal through loan car title loans?

not too long ago it was illegal for a businessman to loan a person money and want large percentage back for that loan, IT WAS ILEGAL! It was LOANSHARKING so why is it legal now what happen to United Stated morals

barry0912 answers:

Payday, cash advance, car title loans. All are the same crap.
And I don’t know either how they are getting away with it. They all need to be shut down.

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Your Questions About Title Ix

Joseph asks…

What happened in the 1970s that caused major lines at the gas pump? Watergate Title IX Gulf War Energy?

What happened in the 1970s that caused major lines at the gas pump?

Watergate

Title IX

Gulf War

Energy Crisis because OPEC refused to ship oil to the United States

barry0912 answers:

OPEC refused to send oil because the US gave military supplies to Israel.

Robert asks…

Why do private colleges and universities comply with Title IX?

The text of the law says that it applies to schools receiving federal assistanceship. I didn’t think a school like BYU or Liberty or ORal Roberts would be receiving any, but they all have women’s teams and have had them for years.

barry0912 answers:

Even though an institution like BYU or Liberty does not accept federal funds to run its organization, it does allow it’s students to apply and receive federal student aid, such as Pell Grants and Federally guaranteed student loans. Because of this, these schools are required to comply with Title IX.

Also, I would guess that if a school was not complying with Title IX, it would not be allowed to compete in the NCAA against teams that do comply with Title IX.

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Your Questions About Title Loans

Sandra asks…

What is he catch to title loans on an automobile?

barry0912 answers:

Stay away from them. Loans are in excess of 50%. And before you know it the loan sharks will have your car. I would suggest that what ever it is that you want so bad, that you try and hold out until you get some money. They are predatory lenders.

Chris asks…

Can military spouses have title loans?

I’m a military spouse and I have a title loan. I’ve now heard that this may be illegal and the contract would become null in void. Is this true?
they only asked if i was an active member not a spouse. and the manager and I would often have conversations about my wife who is active duty so he definitely knew

barry0912 answers:

When you made the title loan they were supposed to ask you if you were in the military?
You mean to tell me they didn’t?
Then the contract is null and void.
By law, they must ask this.
Did you sign a contract?
Do you remember checking off a box that asked if you were in the milatary or a family member?
/

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Your Questions About Internet Marketing Strategies

Robert asks…

How is Internet Piracy different than thieft?

If Im caught stealing a CD from the store, odds are I will recieve a minimal fine or even simply pay for the CD. Internet piracy carries a penalty of thousands of dollars per song downloaded, which is obviously more signifigant than stealing a hard copy.

Why the huge difference in penalties?

barry0912 answers:

It used to be that i could buy a book and loan it to you and nobody gave a dam … Now in effect , they want to charge you for every person u let read the book as well as charge you each time YOU read it … Imo they just need to rethink the whole marketing strategy because their way of thinking about it and labeling 80% of the population criminals and pirates is archaic .. They need to move into the 21st century with the rest of us …

Joseph asks…

What is a good masters for a marketing undergrad?

I’m a recent graduate who has a B.S. in marketing from a state university and I’m considering heading back to school. I have a possible job that may or may not come through (due to sequestration) and I’m assessing my options. I was wondering what would be a good field of study (aside from an MBA, or M.S. in marketing) that would work for me considering my bachelors. I was thinking statistics…any other suggestions?

For the record, I did well as an undergrad: graduated with honors and highest distinction.
Totally screwed up my title, but you get what I was trying to say.

Additionally, I was thinking of possibly doing rotc in grad school, if possible, and trying to get into the army as an officer (I’m also considering OCS…but it’s all up in the air).

barry0912 answers:

If you’re interested in a job in the marketing field, of course an MBA with a focus in marketing is the most obvious pick, and it’s a good choice according to research (see the link to MarketingHire.com , a job board that specializes in marketing and features articles with professional advice and trends). But marketing is undergoing a lot of change right now and big data is increasingly important as marketing professionals have more and more data input from things like internet marketing, interactive advertising, research, CRM, etc. Consequently, a masters that relates to data can be very valuable if you’re pursuing a career in marketing, as would an MBA in strategy. The marketing roles with the greatest amount of new hiring for 2013 tend to be mobile marketing, social media and data related, and its certain that big data is going to play an increasingly important role for all marketers in the future. IDC had a great study and presentation on how big data is transforming marketing, which considering your question, I think you’ll find worth reading. I’ve linked to it below.

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