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Molly Wider's Articles

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Overcoming Financial Difficulty Life is unpredictable and ending up in a difficult financial situation due to circumstances beyond our control is not only possible, but very likely to happen to anyone, sooner or later. A positive outlook and a good financial plan can go a long way. Why a Budget Makes Sense Nobody likes to think about the word "budget." For some reason, the mere thought of this word sends most people into instant panic mode. But, in the wake of our current struggling economy, a budget can be a useful tool that you may want to learn how to use. Impossible Real Estate Investment Loans It seems as though everywhere you turn some newspaper or economist is announcing the end of the recession. While this may be true theoretically, little has changed as far as commercial real estate investments go. While traditional lenders are still holding on to their money with closed fists, there are alternatives for funding your real estate investments. Mobile Home Renovation Ideas Renovating a mobile home is a good way to customize the space that you live in. Once you decide on the updates that you would like to make to your home, the next move is to decide how the project will be funded. For those who need money quickly, or who have bad credit, a title loan may be the best solution. Home Vacations - Great Cheap Ideas Are you wondering how you can afford to go on a summer vacation without breaking the bank? Here are a few simple tips on inexpensive vacation ideas and a great way to get the money you need to enjoy your vacation. Affording a New Swimming Pool Splashing around in the summer sun is a great way to cool down and relieve stress. The only problem is that a swimming pool can be quite a hefty expense. In addition to finding ways to afford a new pool, it's also essential to narrow down the types of pools that are available. Summertime Is Home Improvement Time The main issue holding people back from improving their homes is home improvement money. The good news is that finding some extra funds to improve your home is as easy as owning your own car. By applying for a car title loan with a private lender, you'll be able to use your car as collateral to gain the project money that you need. Home Improvement Loans: The Key to Selling Your Home in a Sluggish Market While every home seller should invest in making home repairs, most people skip this step due to a lack of funds. However, time and again it has been proven that making necessary home repairs and improvements will lead to a sale. So, what do you do? A car title loan may be the answer. The Careful Canadian Balancing Act Even though most Canadians are managing to make mortgage payments, many are not finding the extra funds to put towards growing credit card balances. Private lenders that issue car title loans might be worth looking into for those that need some extra cash to pay down their growing debt. Banks Increase Loan Provisions As Recession Deepens In response to bleak economic forecasts Canadian banks are creating more loan provisions than ever before. Small and large business owners know that they will be hard-pressed to gain much needed loans, which is why many are turning to private lenders. Making Expensive Truck Repairs Owner-operators often have the best of both worlds. Not only do they own their own rigs, but they also work for themselves, which means that they don't have to split wages with any larger company. For the most part, this kind of trucking operation is a good idea. However, repairing a large truck can easily cost any owner-operator a lot of money. Canadians Aren't Out Of the Muck Quite Yet Even though there might be some kind of light at the end of this bleak economic tunnel, Canadian banks are not yet giving out loans as freely as they once did. On the contrary, traditional lenders are still holding onto their funds with a white-knuckled fist. This has prompted many consumers to head directly for private asset-based lenders that are more forgiving, and (perhaps) more optimistic. The State of the Recession Since Canada's current economic crisis is a direct result of the situation occurring within the United States, Canadians can expect the economic situation within the next year or so to be just as bleak (if not bleaker) as it presently is. Banks aren't willing to gamble on consumers that might not be able to pay back loans, which means that a lot of consumers have been left dangling. Credit Card Regulation Means Tougher Times for Consumers Non-traditional lending companies are now playing a crucial role within the lives of consumers thanks to the possibility of credit card regulation. As more and more banks strive to limit their losses, are consumers left to fend for themselves? Weak World Economy Has No Silver Lining As banks drop rates and markets fluctuate, far too many people are left in the lurch. Hundreds have turned to credit cards for financial support. More still have turned to traditional lenders only to be turned back out on the street once more. Some are not aware that there are alternatives. The Problem with Credit Card Debt Canadian consumers are consistently turning to credit cards to pay for car repairs, home repairs, and even everyday items. The problem with credit card debt is that this type of debt is a lot like quicksand for many consumers but there are alternatives. Bankruptcy is not the Only Solution If like thousands of others across North America you are swimming in debt, you may be considering filing for bankruptcy. Before you take this extreme course of action, which will have consequences for years to come, you should learn about consumer proposals. Finding the Right Lender Often when individuals apply for subprime loans, they think only of the terms of that loan. Another important criterion to consider is the reputation of the lender. Choosing the wrong lender may turn your loan experience into one that you would prefer to forget. Improve Your Credit Rating with a Car-Title Loan If you have bad credit, you may be finding it difficult to fix your credit rating since you can't get approval for unsecured loans and credit cards. A car-title loan is a secured loan that just may help you to repair your credit rating. Keep Driving, Even when you can't Afford Your Vehicle's Repair In the past when our vehicles needed repairs that we could not afford, the only answer was to keep the vehicle off the road until we could pay for the repairs. Now there is an alternative solution in the vehicle repair financing industry.