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General Chat & Trivia / Get A Car Title Loan To Get Them Out Of The House
« Last post by HallieRohr on August 17, 2019, 12:15:16 PM »
Arizona is a beautiful state with lots of great summer activities for kids to explore in summer programs. There are a plethora of sports, wilderness, and ranch, and music, religious and other fun and educational camps offered throughout the state. From basketball camp in Phoenix to Camp Jam, a Rock and Roll camp in Scottsdale, there's no end to the entertainment options for your kids. Unfortunately, however, of these programs cost money, something most people are in short supply of these days. And if your credit is less than perfect, finding the extra financial help you need for the special things you'd like to do for your kids can be difficult. Luckily, Arizona also is the home of various title loan companies to help.


A title loan provides the extra money you need to send your kids to camp, as well as for other expenses, with no credit check and no exorbitant interest rates. They even offer larger sums up front than many other types of short-term loans. A car title loan is a secured loan, which is not only more appealing to lenders, but also easier to obtain. Often this is as easy as filling out a few forms on the internet. You can usually be approved and receive your money in a day or two. Secured loans such as title loans are considered safer for lenders, because something is put up for collateral, in this case, a vehicle, so they have less to worry about in instances where the debt isn't paid off.


To qualify for an AZ title loan, all you have to have is an automobile. The car must be paid off and the title under your name. Many companies offer up to 50 percent of the car's value, and you keep the car while you pay the agreed amount back. It's a win-win situation ideal for those with less than stellar credit backgrounds. Of course, it's important to understand the terms of any loan you enter into. Title loan companies make applying easy, but it's up to you to understand whether you can meet the terms of the agreement. It's also a good idea to shop around at various companies to find the best rates.


Since many of these companies offer their services online, shopping and comparing is pretty easy. So maybe summer camp for your kids can be a reality this summer. They get a great vacation, and with them out of the house, you do too. Instead of spending their days watching cartoons, playing video games, and whining that they're bored, they can be learning about ranch life, exploring the wilderness, learning to play rock music or perfecting their basketball, volleyball, baseball or swimming skills. There are programs available for kids or all ages and interests, as well as day, overnight and weekly camps. Your children can meet new friends, learn new skills and gain a new understanding of the world while gaining independence. And not all summer camp experiences have to break the bank. The YMCA offers an array of great programs at locations throughout the state, with financing help for those who need it. They offer ranch, adventure, family and even environmental service camps for teens at the Grand Canyon. So go ahead, find an adventure for your child and a little break for yourself as well.


Though the cost of living in Missouri is relatively low, living still costs money. There may come a time when you need extra cash to get rid of building debt or to make necessary home improvements. One of the best ways to cover these costs is by getting money out of your home. When you want to borrow from your home, one of the best ways to do it is with a Missouri home equity loan. With this type of loan, you can get a large lump sum of cash that can be spent as you see fit. Terms can easily be manipulated so that you can decide how fast you want to pay the money back. In some cases, you may even be able to get interest only loans or loans with deferred payments.


30,000 home equity loans average 7.62 percent in Missouri. This rate is much lower than the rate charged on most personal loans, auto loans, and home improvement loans. Getting a low rate is important, because the lower your rate is, the lower your payment will be. Low rates also ensure that you spend less over the life of your loan. Another reason to choose a home equity loan over other loan types is the fact that interest payments on Missouri home equity loans are tax deductible. Over the last few years, home equity lending has been a booming business in Missouri. Now, it seems like less people are taking out these loans. To sweeten the deal and encourage borrowing, many lenders have begun dropping rates, waiving fees and closing costs, and offering other various incentives, like free vacations and airfare. You can take advantage of their willingness to deal and the fact that competition has stiffened, by shopping around and comparing loan offers to get the best deal.


I am a bot whose sole purpose is to improve the timeliness and accuracy of responses in this subreddit. It appears you forgot to include your location in the title or body of your post. Please update the body of your original post to include this information. Do NOT delete this post - Instead, simply edit the post with the requested information. I had my federal tax return taken this year, to my surprise. I was informed that a federal Perkins loan had been sent to a debt collector and they had taken it as an offset. In 2015 this loan along with some FFEL Stafford Subsidized loans had been part of a rehabilitation program I was paying to get them back on track.


I have letters from a loan servicer that I am currently in repayment with from when this rehabilitation program transferred the loans in good standing, that include the promissory notes for both Perkins loans. At some point these seem to have disappeared despite me paying this company every month since. Now when I check their data they only show the FFEL SS loans. The new debt collector was able to furnish a payment history showing the monthly payments when I was in the rehabilitation program but say it went into default after that. They only have 1 of the 2 promissory notes for the Perkins loans in question. Who have I been paying? Was this mishandled to a point where I can challenge the validity of the loans? What's to say that other promissory note isn't somewhere else and after I pay these loans again a third party won't come out and demand I pay since they have the note?


Common perception among consumer activists and some media entities is that auto title loans are too risky. They cite high default rates and imply that they are unfair to consumers. With any loan, there is a risk of default. This basically means that the loan is not paid back properly. According to the Cato Institute, the default rate for car title loans is 14 to 17 percent. That is a bit higher than the norm for traditional loans. However, when compared to other alternative types of loans, this is well within the norm. So, we can see that the default rate on car title loans is competitive with that of other similar loans.


As a result, consumers who need to borrow money will face such rates no matter where they borrow from, as traditional lenders tend to shun them. As a vehicle is pledged as collateral for a car title loan, there is a chance that it will be repossessed. This is only fair, as the lender must be repaid for the money that it gives a consumer. One may assume that loan customers always end up having their vehicles repossessed. However, this is not even close to true. According to the Cato Institute, the repossession rate is 4 to 8 percent. This means that you'll have a 92 to 96 percent chance of keeping your vehicle - strong odds when compared to the risk of not paying your bills.
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Holidays, locations, how it works... / Re: Pembroke With No Car ?
« Last post by Silky on July 03, 2019, 05:00:35 PM »
Hi,
Did you book Amira? I'd definitely recommend it. You can get to the accommodation by taxi from Pembroke station, once there everyone tends to car share. This makes it so much more sociable, as well as making it easier to park!

Tesco also deliver to the site so you can get shopping delivered there too!
Any questions please do ask the team at events@singlewithkids.co.uk
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Holidays, locations, how it works... / Pembroke With No Car ?
« Last post by AAA07 on June 26, 2019, 02:44:41 PM »
Hello Everyone  :)
I'd love to book the Pembroke holiday in August but I don't have a car and I'm not sure 1)how easy it is to get there from London 2) whether arranging meals and such will be difficult over there.
Whaddya think?

Cheers,
Amira.
4
Hi Stuart, this will also be our first holiday with SWK and I feel equally like it’s a step into the unknown. Happy to chat prior to the holiday. Vicki
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Announcements / May Newsletter !
« Last post by Silky on May 03, 2019, 12:42:28 PM »
We've still a couple of spaces on our May trips, and Summer is just around the corner.
Check out offers, ages and new trips online on our recent newsletter:

https://myemail.constantcontact.com/MAY-MADNESS--and-a-few-offers--.html?soid=1101936435744&aid=QSp5RbHnzh8

Hope you're tempted !!
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Announcements / Re: Spam!!!
« Last post by Silky on April 25, 2019, 02:31:22 PM »
..and they keep on at it....

They're obviously NOT single parents with so much time to waste !!!

7
Jokes, Word Games & Puzzles / Re: Slapped or Saved
« Last post by Silky on April 12, 2019, 08:31:16 AM »
Slapped - not a fan of asparagus at all. Strawberry season is much more my thing :-)

The next person is new and browsing the forum wondering whether to register...
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Camping: All You Need to Know! / Aldi Specials
« Last post by Silky on April 12, 2019, 08:30:04 AM »
We haven't run any camping trips for a while, but having inducted many of you into the fun of sleeping in a field, we'll keep these boards running.

Aldi have some great offers on at the moment if you're looking to add to your camping kit. Camping chairs, foldable buckets (we all need one, right?) and various other things you never know you needed :-)  Available around now (12th April).

Happy Camping !
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Hi Stuart,
Welcome to Single With Kids!
Center Parcs is always a popular event, unfortunately not many of our holidaymakers tend to use the forum. We will try and give them a nudge perhaps in forthcoming emails about the trip.

Not long to  go!  :-)
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Hi All,

I've just booked this up as a first single with Kids holiday with my 2 kids. If anyone else would like to connect prior to the trip that would be great as it feels a bit step for me.

Stuart
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Single Parent Holidays in the UK and Overseas. Single With Kids offers the widest range of breaks and holidays for single parents, from camping with kids and value breaks through to all inclusive overseas resorts and adventure holidays. Our destinations range from the Lakes through to Lapland, Center Parcs to Tunisia. All Single With Kids Holidays are in group settings with the focus on fun and friendship. Everyone is a single parent family with children aged from babies through to teenagers, and mums and dads from all backgrounds.*Single With Kids Ltd * Greg Street, Stockport SK5 7BR * Telephone 0845 166 8119 *



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