Why Every Independent Trucker Need a Lawyer on Speed Dial

Forget the rise of self-driving trucks and drones and the new rules governing trucking operations.  The reality is that truckers across the country help to make sure that you have lettuce on the shelves at your local supermarket every day of the week.  While you might think that many of these truckers work for big companies, most are independent contractors driving their own trucks.  

Drivingmight be driving but managing a trucking business means that you’ll need to have a good lawyer to help you navigate the ins and outs of the industry.  With that in mind, here are some reasons why every independent trucker needs a lawyer on speed dial.

Negligent Third Parties

The average car driver might be afraid of big rigs, but what they fail to realize is that truckers are often the victims of negligence. This could be damage from a tow company or even when their rig is being loaded and unloaded.


In these cases, a trucker needs to have the support of a lawyer who will fight for them.  Not only will this save you money over the long run but it means that someone else can deal with the petty nuisances tied running an independent truck company.


While lawyers might be to blame for most contractsbeing written in gobbledygook, they can also help to make sense of the nonsense.  This is especially useful when Party A tables a contract that full of compound sentences.  

Remember the devil is often in the details and the longer the contract, the more likely that a customer is trying to shift some of the liability for moving their product over to you.  As such, having a lawyer on call to help review contracts can save you money in the long run.

Employment Cases

Many ‘independent truckers’ operate more than one truck and this usually means having employees.  This also means complying with the laws regulating truckers in the states where you operate.  This is important as the laws in neighboring states might have subtle differences and as such you need to be fully aware of the potential liabilities that could impact your business.

For example, an injured driver for a multi-state trucking company could try to seek benefits in multiple states.  Not only does this complicate the process but it could also add up to big bucks.  As such, you’ll want to have a lawyer who understands that ‘truck accidents are different than traffic accidents.’  If the accident is in Southern California, then you’ll probably want to get a Los Angeles truck accident attorney to help you out.

The Best Offense is a Good Defense

While this is often applied to sports, it can also be applied to helping your truck company.  In this case, you want to have a lawyer who will do everything they can to fight for you and your company when you are the defendant in a third-party action.

These could include situations where you might have been at fault but you want to get the best possible outcome for your business – including a negotiated settlement as an alternative to litigation.  

What you want to keep in mind in these situations is that having someone in your corner, even if you are paying them, will help you.  Don’t try to be your own lawyer as it will end up costing out more.  At the same time don’t get a lawyer who will lie down at the first sign of trouble.  Have a bulldog in your corner, someone who will fight for you.


As you can see having a lawyer in your corner will not only help you to protect your business but also grow your business.  Sure, you might not like the idea of having a lawyer on a monthly retainer but then there are options to engage with them over time – this could even include a reduced rate if you find that you are using their services on a regular basis.  

With that in mind, don’t assume that you don’t need a lawyer for your trucking business as the reality is the opposite.  If you are not sure where to start, then talk to other truckers to find out who they are using, and more importantly, why they are using them.  

From there you can schedule an initial call to get to know them and their approach to the challenges you are facing.  Doing so will save you time and money when you absolutely, positively need to have a lawyer on speed dial.

Tips on Preparing Yourself for Financial Freedom

In this present day and age, people are becoming more financially aware. They’re understanding the significance of having healthy finances and what implications it has for their future. For this reason, people are working hard at improving their credit scores, looking for extra means of incomes, trying to embrace frugal living, and budgeting. You may already be on the road to financial freedom or on the other hand; you may just be getting started. No matter what part of the path you’re presently on, there are key things that you can do to make your goal of financial freedom a reality. In light of this, you’re going to find a few tips on preparing yourself for financial freedom below.

Financial Freedom

Create an Effective Budget 

An effective budget is a major key in working your way up to financial freedom. Without one, it’s almost impossible to reach your destination. Budgeting is so important as it helps you live within your means and manage your income in a way which helps you to save and invest. However, without one, you’re likely to fall into the cycle of consumption and continue spending without saving or investing any of your surpluses. Some tips for creating an effective budget include tracking your expenses, recording your total monthly income after taxes and minus your monthly expenses, and setting saving goals every month. You should also try the 50/30/20 rule which suggests 50% of your income is for essentials, 30% is for lifestyle choices, and 20% is for financial priorities like debt payments, retirement contributions, and savings.

Use Credit the Right Way 

Sometimes people get the misconception that credit is counterproductive to having good a good financial standing. However, when used effectively, credit is a tool that can be used to help you create financial freedom for yourself. When you use credit the right way, you can make it work for you, and it opens doors such as being able to get a mortgage plan which is one of the most feasible routes to home ownership as well as a valuable asset in most cases. For this reason, you should learn responsible borrowing as opposed to not borrowing at all. If, for instance, you wanted to get a loan from Peerform, it would be ideal to make your payments on time and when you can pay back more than is expected. This could help reduce your debt levels and ensure you always have something to fall back on while you’re getting your finances together. 

Educate Yourself 

Aside from the aforementioned, another useful tip for preparing yourself for financial freedom is education. You can only go as far as what you know, so the more you know regarding financial freedom, the better. There are several resources that you can use to get more information such as books, seminars, and videos. Networking with people who have achieved the goal of financial freedom may also be ideal. Some other ways to improve your financial literacy are understanding the cashflow quadrant, using financial management tools, or asking for expert advice.

The road to financial freedom isn’t always one that’s fun as it takes discipline, lifestyle changes, and frugality in most cases. However, by considering the mentioned factors, you should feel more secure in knowing your finances are stable and able to take care of your basic needs over an extended period of time. The key is in not giving up and knowing that your financial goal of attaining financial freedom is valid as well as possible. 

Can Accidents at Work Cause A Financial Strain

Accidents at work although avoidable can happen anytime. Despite having safety procedures on board, employees can still sustain accidents due to human error and unforeseen circumstances. Having said that, it’s true that injuries arising from work-related accidents may mean a financial strain both on the injured employee and the employer. 

If you’re the aggrieved party, you may be entitled to get economic recovery from those who are at fault but if you’re the employer, you may be obliged to pay all financial costs arising from the accident. 

To get an idea as to what awaits you when you’re involved in workplace accidents, here’s a guide that will tell you why accidents at work can be very financially draining for all involved parties. 

Economic Recovery for Injured Employees

If you've severely injured as a result of a workplace accident, you may have the right to recover compensation from the party responsible for your injury. With all the potential costs of getting injured at work, you may end up having financial problems afterwards. 

Not to mention the medical costs, hospital bills, lost wages and most importantly, the loss of your capacity to work that you may experience after the accident. Furthermore, these factors can indeed affect your financial health, hence the recovery of compensation can be the right thing to do. 

personal injury

Depending on the extent of your injuries, the kind of economic damages that you can receive vary from one state to the other. Here’s what you need to know when you've suffered an accident at work. 

1. Worker’s Compensation Benefit Claims. 

Essentially, worker’s compensation can be considered a substitute for a lawsuit against your employer. These are designed to make sure that employees like you who are injured on the job premises receive monetary awards without having the need to sue your employer in court. 

That’s why worker’s compensation can be a good way of compensating you when you’re seriously hurt because of a work-related accident. 
  • In exchange of not filing a lawsuit against your employer, you’re allowed by law to receive worker’s compensation benefits regardless of who are responsible for your injuries. 
  • Before, employees who are hurt at work have no choice but to litigate their claims against their employers. Now, most employees are readily entitled to worker’s compensation, while the employers are also protected against the possibility of facing a lawsuit. 
  • If you think you have a claim to file for your injuries, the first thing you should do is report the accident to your employer in writing and keep a copy of the report for your personal reference.
  • Then, make sure you complete the claim form as soon as possible and submit the same to your employer. Once they receive your claim form, it’s now their responsibility to right away notify its worker’s compensation insurer and arrange medical assistance for you.  
  • However, you also have to check whether the injuries you’ve sustained are covered by worker’s compensation. That way, you’ll know if it’s worth your time and effort going to court to recover economic damages against the offending party. 
2. Legal Compensation. 

When we say legal compensation, these are the kinds of damages available to a plaintiff in personal injury cases. Remember that even if you file a worker’s compensation benefit claim, you may still bring a lawsuit in court if your injury was caused by someone other than your employer. 

You just must prove the liability of the offending party for you to win the case and later on receive the compensation you rightfully deserve.
  • Some of the damages you may receive in a litigation against those who are at fault include medical expenses, lost wages, loss earning capacity, loss of enjoyment of life, mental anguish, and pain and suffering, etc. 
  • While you’re going through the process of litigation, it’s best to keep in mind that an experienced lawyer can explain all legal options available to you. They can also work with you to ensure that you get the compensation to which you’re entitled to under the law of your state. 
Financial Effects on the Employers

In most cases, employers must make sure that their employees take proper safety precautions while performing their job on the premises. This is because dealing with an injured employee can cause a financial strain on the part of the employer. If you’re a business owner, take note that workplace accidents can present several costs including:
  • Healthcare costs, 
  • Productivity costs, 
  • Repairs, 
  • Medical and travel expenses 
  • Other additional supervision
Paying all financial costs brought about the accident can shake the financial stability of your business.

As you continue shelling out a huge amount of money to get things right again, you may end up missing out on making money for your company. This may also means a decrease on your sales, thereby further affecting your profit margin in the end. 

Apart from these monetary concerns, employers dealing with workplace accidents can experience a decreased business reputation. This is because people will start looking at your business differently. 
They may think you’re not capable enough to ensure your employees’ safety. Remember that when reputation is affected, this can mean a potential loss of customers and most importantly business profits. 

Need Legal Help?

When things get tough after having experienced a work-related accident, don’t forget to take a deep breath and plan out the next steps to do. With the possible financial strains you may be dealing with as a result of workplace accidents, it’s best to seek legal assistance from a qualified lawyer like the ones at Hershey Law LA

Having the expertise in handling injury cases, they can provide you with an in-depth understanding about the subject matter. While injuries arising from accidents can indeed affect you financially, keep in mind that you can always have a lawyer to speak with when it comes to the legal and financial consequences of workplace accidents.

Are You Getting The Most Out Of Your Warehouse?

Every business is different. Each and every business requires a specific and individual touch in order to succeed and trying to take too general an approach to everything that you do is almost certainly going to cause problems in the long run for your it. However, it can't be denied that there are certain things that hold true for just about every business. After all, you always need to keep your accounts in order, you always need to tailor your marketing towards your specific demographic, and you always need to make sure that you have the resources that you need at any given time. One of the most common things that many businesses need that they too often go without is an organised and well-run warehouse. Here are a few simple tips to help you achieve just that.


Find the right equipment

There's plenty of equipment that a warehouse cannot function without. Fork-lifts and pallets are all incredibly important. But you should also be aware of some of the more recent technological developments that can make a lot of difference to the efficiency of your warehouse. Things like dimensioning systems can be incredibly useful when it comes to speeding up a lot of the aspects of your warehouse. Dimensioning boxes and pallets can be incredibly time-consuming and having a piece of equipment that speeds up that process can be invaluable. Likewise, there is plenty of mobile technology that allows your workers to avoid going back and forth from a fixed station multiple times throughout the day, instead of being able to do many of the things that they used to need a desktop computer from the palm of their hand. For example, barcode readers for sale from Code Corp allow you to check stock from your device, which speeds up locating items.

Keep your equipment maintained

Equipment maintenance is something that is important for just about every business in the world, but there's no denying that it is especially crucial for your warehouse. After all, not only does is the equipment in your warehouse important for keeping things running smoothly at all times but it's also a serious safety concern. Even something incredibly minor like a loose caster or a moving part that isn't properly secured can not only cause problems in terms of productivity, but it can also put your employees at risk. Taking the time to maintain your equipment is something that you should never neglect.

Embrace new technology

As with just about any part of modern business, there have been some amazing technological innovations over the last couple of years that have made life a whole lot easier for many warehouse workers. Something like digital inventory management might seem as though it wouldn't make that much of a difference but the impact that it can have on the day to day running of your warehouse is truly staggering.


Outsourcing is a useful thing for any aspect of your business and your warehouse is no exception. Everything from shipping container transport to the training of your employees can be handled by outside companies. That way you are able to have the most well-organised warehouse possible, without dedicating too much of your time to it. Sure, it may end up being somewhat expensive, but 3pl warehousing for example can provide expertise and help streamline supply chains, allowing you to focus on other areas of the business. You will probably find that it’s a worthwhile investment.


An intelligent use of space

One of the main ways in which many businesses fail to use their warehouse properly is that they simply don't understand how to use the space effectively. Make sure that you're carefully considering every aspect of your warehouse and how you can organize it to be more efficient. Think about which items are required the most often; it makes sense not to put them somewhere that's difficult or time consuming to reach. Likewise, you don't want to clutter up high-traffic areas with things that are going just to end up sitting around for long periods of time. By adjusting the way in which you're using the space in your warehouse you'll be able to create a space that's simpler, more efficient, not to mention safer. In case you still find the need for more space in your warehouse, you could have an extension constructed with the help of local metal building contractors who can understand your requirements thoroughly and build accordingly.

Health and safety procedures

Speaking of safety, it's one thing that you simply can't afford to ignore. Every aspect of your business needs health and safety procedures in place, but your warehouse involved higher levels of risk than many others. From the use of large equipment to the amount of physical labour involved, if you're not using correct health and safety procedures then you're putting your employees at risk. Not only can an accident both harm your employees and slow down the productivity of your warehouse, but it can also put you in a dangerous legal position. If something happens and you didn't have the correct procedures in place to prevent it, then you're going to be liable. Health and safety not only protects your employees but protects your business in the event that something does happen.

Hire a dedicated manager

When you have an aspect of your business that is as complex and crucial as a warehouse, you simply can't afford not to pay it the right amount of attention. Of course, it's pretty fair to say that trying to spread yourself thin enough to focus on everything at once is a risky move for both yourself and your business. Because of that, consider hiring a warehouse manager to focus on the nuts and bolts of day to day warehouse life for you so that you can get back to taking a broader, bird's eye view of the business as a whole. Hiring the right person for this job can be tough, but it's always worth putting in the time and effort to find them.

Sure, it's true that not every business is going to need a warehouse in order to succeed, but the reality is that if your business does call for it, you need to make sure that you're putting just as much effort into keeping it running smoothly as the rest of your business. It might present something of a challenge, but your warehouse is simply too important not to give your full attention to as often as possible.

Four Ways To Increase Your Personal Income

No one enjoys living paycheck to paycheck, constantly worrying that a financial crisis is going to strike, and throw their life into a downward spiral, but this is something that many people have to face. If you’re struggling with a similar fate, then it’s essential that you take control and do what you can to increase your personal income. Of course, this may seem challenging, and sometimes it is, but, thankfully, it’s far from impossible. Whether you’re trying to reduce your debt, build your savings, or simply want a bit more money each month, here are four ways to increase your income. 

increase your income.

1. Ask For A Raise

One of the quickest ways to boost your income is to go and ask your boss for a pay rise. It doesn't matter what industry you work in and whether you work full-time or just part-time, it is your right to speak to your employer about your salary and try to negotiate an increase. However, you shouldn't just go up to your boss and say you want a raise; You need a really good reason for one. Because of this, you should take some time to figure out exactly what you’re going to say and then present your case at the right moment. 

2. Consider Changing Careers

Sometimes, the career you thought you wanted turns out to be a disappointment. This could be because it’s not fulfilling enough, it doesn't match your skills and talents, or, of course, doesn't pay you what you need. If this is the case for you, then you might want to switch to one of the many careers that pay well. Just make sure that whatever career you choose does match your skills and is going to make you happy, rather than just financially stable. Money isn't everything, and without passion, you’ll end up wanting to switch again. 

3. Get A Second Job

If you can’t get a raise and don’t fancy completely changing your career, then why not find yourself a second job. If you work regular nine to five hours, then you could find something to fill your evenings and weekends, like bartending, waitressing, or working in retail. You could also consider tutoring or offer private lessons on a subject you know a lot about. Just make sure that you let your current employer know about your plans and that your full-time job is always your top priority, or you could put it at risk.  

4. Start A Business

If you don’t fancy working for two bosses, and would rather control your own working hours, then you may want to consider opening your own small business. This is a great way to earn some additional income, and you can easily fit it around your current schedule. Find something you enjoy and are passionate about, like tutoring or catering, and make plans to start your side hustle. Of course, the whole purpose of the business is to earn some extra money, so make sure that whatever business you choose has low startup costs. 

If you want to increase your income, then consider using one of the methods above.

House Buying As A Homeowner: Investment Guide

It can seem preposterous as a homeowner to want to buy another house. Who needs more than one house, right? The answer is most people, and more often than not for excellent reasons related to financial investment. However, it’s fair to say that if your relationship to money is limited to trying to get hold of your budget, yup may not have considered the option of growing your income through house buying, especially as the current real estate situation can make it difficult to first-time buyers to find their perfect home. 

home buying

We’ll explore in depth the many reasons why you might be looking into house financing options, whether you’re looking for a house-flipping alternative or you simply want to upscale your family home. But more importantly, buying a house is a significant investment, regardless of the reason why you buy it – and regardless of how long you intend to own it too. As a consequence, when it comes to defining the most profitable investment strategies for something as personal as residential property, it’s essential to consider both the regulatory requirements and the complexity of human nature – after all, people live in houses, and you can’t fully eliminate their emotional engagement from the equation –, so that you’re best equipped to generate a profit no matter what! 

Are you in a situation where you can invest?

The first question that you need to answer for yourself is whether your position is financially safe to make new investments. Indeed, your credit score is a crucial part of your financial portfolio – meaning that if you've been late on the repayment of some debts and loans, you can expect your low score to be an obstacle for a further loan application. In short, before you can consider expanding your portfolio, you might want to look closely at your finances first. For instance, if you've had to use debt settlement to repay previous credits, this will appear in your credit history. From a lender’s perspective, debt settlement means that you were not able to satisfy the original deal, so this will make things difficult to obtain a loan. Additionally, if you've got several credit cards and loans under your belt, lenders will be more likely to reject your mortgage application. However, there is a situation in which you might apply for a bridging finance loan, and it’s when you decide to sell your home to buy another one. This loan is designed to help you through the transitional period between the purchase and the selling of homes. 

However, not everyone buys a home to live in it. Here are other investment reasons: 

Is it a holiday home? 

If you've got a favorite spot for your holiday, a place you always go back to, why not buy a holiday home there? Ultimately, you’ll be saving yourself the trouble of looking for an accommodation when you’re traveling. It’s easy to understand the attraction of having somewhere you can escape to. But, a holiday home is also one of the most profitable property investment solutions, as you’ll find that your property can pay for itself through renting activities. From a mortgage perspective, it makes things easier to manage. But you will still need to gather the appropriate deposit to qualify for the mortgage in the first place. However, if you’re savvy, the deposit might be all you need to pay from your pocket for your holiday home until the mortgage expires. Indeed, if the home pays the mortgage, there will be no income tax for as long as the mortgage runs. 

Are you becoming a landlord?

If you’re buying a property to let, you need to be very clear about your responsibilities as a landlord. Indeed, as the housing demand is filled by rental units, your investment as a landlord gives you the opportunity to earn income. The income you receive can serve to pay your mortgage back. But you’ll find that the costs inherent to the maintenance of your rental are deductible. However, you have legal obligations related to your renting activities. Failing to comply can cause fines and lawsuits. Additionally, becoming a landlord is a costly business. The cost of your insurance premium can increase by up to 25%. Besides, you may have to face a problematic tenant who could cause a legal dispute – increasing your administrative and legal fees. 

Is it a profit-generating property?

If you decide to invest in a commercial property, such as an office building, for instance, you’ll find that most lenders are keen to see a history of financial stability of the property before accepting your loan application. In the real estate market, commercial properties are meeting a high and enthusiastic demand. The need for independent office space for freelancers and self-employed workers and modern business premises is making it a profitable investment. However, to maximize your gains, you need to pay close attention to the location of your property – close to public transports is a good idea, for instance – and your budget. Indeed, while some renovation works might appear expensive at first, you can expect businesses to be keen to pay a little more for a modern and professional interior style. 

Are you house-flipping?

House-flipping is the art of buying a house and re-selling it for a profit. It is a risky investment, especially if after renovations, nobody wants to buy the property. Professional house-flippers can make a profit of over $66,000, so it’s enough to lure any newcomer in quitting their job and becoming full-time investors. But in reality, it’s a hobby for someone who’s got enough cash available for short-term investments and an eye for design. 

There is no profit

Imagine: A woman offers her daughter and son-in-law to help with the purchase of their home. Several financial and legal elements could play against her. If you buy the house entirely for someone else and lets your name on the deed, there is no profit unless you demand a rental fee. If you help co-financing the house, your name may not appear on the act, aka no profit either. 

Hopefully, this can help you to understand better how to make a profit out of house buying when you already have a home.

How You Are Destroying Your Credit and What to Do About It

Your credit score is an important part of your financial portfolio. While life offers many opportunities for people with good credit scores, those of us that aren't in such a great place will find that their financial standing is a lot more complicated.

When Your Credit is in Poor Standing

Good credit allows consumers the opportunity to take on new lines of credit, automatically qualify for loans, and the chance to get the lowest rates when signing contracts for rentals and major purchases. This is why it is so important to build good credit and keep it from falling. Whether you have a great credit score or are just trying to keep it from getting any worse, it’s a good idea to know what will harm your credit score. Read on for six guaranteed ways to destroy your credit so that you can do everything in your power to avoid them:

1. Foreclosing on Your Home

A foreclosure is a one-way track to a lower credit score. This king of ding on your credit score will stay on your report for a minimum of seven years. The best way to avoid a foreclosure is to make your mortgage payments on time. People that fail to meet their payments end up incurring hundreds or thousands of dollars in interest. Once the payments are too high for the homeowner to pay, a foreclosure is unavoidable. Even if you can buy another house in the future, having a foreclosed home under your belt is something that will make future homeownership incredibly difficult


2. Debt Settlement

When a debt is settled, the insurance company is paid a single amount for the records to be settled. This process will keep you from paying the full amount of your debt, saving you money but also taking your credit score down. From the creditor’s perspective, settling your debt means that you are not satisfying your original deal when you took out the credit. 

3. Bankruptcy

Filing for bankruptcy is one of the fastest ways to bring your credit score down. With bankruptcy, you may not have to pay your debts at all or you may create a plan to pay them back. However, when a creditor sees that someone has filed for bankruptcy, they are unlikely to ever grant that individual credit. 

4. Maxed Out Credit Cards

It can be a force of habit for some consumers to max out card after card. However, this habit is one way to make sure your credit score is on the road to ruin. If you have given up on meeting the minimum payments on your cards, your credit card will ultimately become maxed out. Consequently, the debt will be sent to a collections agency and may continue to collect interest. In addition to the debt that you owe, your maxed out credit cards will show creditors that managing money isn't your strong suit. Ultimately, you may not be able to get a new line of credit for sometime. 

5. Late Payments

In addition to maxed out cards, late payments are another way to bring your credit score down. For a payment that is more than 30 days late, creditors can make a report to credit reporting agencies. If you hope to improve on your credit score and haven’t maxed out your cards yet, try to keep an eye on your payment deadlines. By paying the minimum every month, you will be able to relatively easily handle your debt rather than waiting for a collection agency to take hold of your debt, all the while ruining your credit score.

6. Bouncing Checks

Showing your inability to keep the proper funds in your debit or checking account will also negatively affect your credit score. Such is the case with a bounced check. When you write a check that you can’t cash, your bank account won’t be the only thing to take a hit. Your credit score will be affected if you consistently write checks that bounce.

7. Late Rent Payments

Most landlords will request rend at the start of each month. If your rent is regularly late, your landlord has the right to report you for a late rent payment. If your rent is late for up to 30 days, it is very likely that your score will be negatively affected. While you think you may be getting away with being just a few days late, it’s best not to make a habit of it. 

8. Failing to Check Your Credit Report

It is a good idea to regularly monitor your credit report for inaccuracies. If your report has errors, you will need to contact the credit reporting agencies to have everything sorted out. Errors that go unchecked may harm your credit score. While you’re getting into the habit of checking your credit report, you may want to investigate a credit repair program—a great way to get your credit back in good standing. 
Whether you've recently opened a line of credit or are cutting up your last card, knowing how to maintain a positive credit score will always pay off in the end. If your score isn't where you hoped it would be, you can always improve on it. Keep these eight factors in mind to help you stay focused on building the best credit.

Can You Get a Title Loan without a Title?

When a financial emergency rears its ugly head, short term loans are usually a welcome resort. Title loans are simple to access, fast cash, and do not require a perfect credit history.

Known in other terms as auto title loan, getting one is the most popular strategy in the market for many people who are trying to solve their financial difficulties. The loan is well sought after due to its convenience during emergencies when other avenues of are blocked as a result of serious debts or other existential reasons.

Car Title Loan

The only difference between a title loan with other loans is the need for a vehicle title. These loans solely depend on the title to sustain operations. In a case where, the loan does not have a title attached to it, it poses a risk to both the lender and the borrower on many levels.

The title is proof of ownership and serves as security for the loan. If a borrower applies for a title loan with no title in support as the collateral, then the entire equation changes and several factors come into play. These factors often include things like:
  • Higher interest rates
  • Stringent payment terms
  • Extensive application conditions
It is worth noting that the title loan represents money given by the loan company against the asset known as collateral, which is a your car. This is done on purpose, when default arises, the company can repossess the asset to pay for the loan. Because of this measure, title loans are secure with high interest rates. 

However, it is not the common type of loan in most of the banks but it is legal. To access this type of loan, you will require some form of personal documentation to act as proof of ownership for the vehicle.

What happens then if a borrower applies for a title loan without a title?

Getting a Title Loan Without a Title

If you are still wondering how you will get that loan without the title, here are some things that you need to consider:

Loan Requirements

The first essential requirement is a vehicle for you to qualify for a car title loan. This has the implication that your car, truck or motorcycle must have some worth for your lender to be convinced that you deserve the loan and use the vehicle as collateral.

Nevertheless, the title also comes with its requirements. Quite a number of lenders require a clean title before approving your loan. While it is very possible to get a loan with a title that is still under financing from your bank; meaning that you are only a partial owner of the vehicle, the truth is that most lenders would rather deal with clean titles. Ones that only you own. 

Therefore, the necessity of a clean title on your vehicle implies that you do not have outstanding liens against your car. With a clean title, a lender can easily give you a loan because you have the right as the owner of the vehicle to borrow against the equity in your vehicle. 

In case you have another person listed on the car title as the co-owner, the title still stands cleared and you may be required to both sign the application papers for the loan to be approved.

Lost or Misplaced Title

If you are trying to get a loan with no title because you forgot where you put it or you lost it, not to worry! Your lender can help you by giving you instructions on how to request for a copy of the title or look for a new title from the Department of Motor Vehicles. 

If you are aggressive enough, you can run a quick search to check on the process requirements. Upon getting the title you will be free to apply and get approved for the loan.

But if you were gifted by a loved one who never thought of providing the title, it can be tricky. You can reach him/her to retrieve the title if possible. If, however, the title was lost, then both of you will have to visit the Department of Motor Vehicles to apply for a copy of the title. Although this process takes a very long time, it is worth the wait to get your hands on the title.Once you have the title, you can proceed to complete your applications for the loan. 

There are also other documents that may be required by the lender to quickly process the loan. These may include: 
  • A driver's license for proof of age and citizenship
  • Registration and title for proof of ownership
  • Auto Insurance, which isn’t always required
  • Proof of Income, such as official statements that validate employment, unemployment compensation, retirement, Social Security etc.
If you have all the requirements, your eligibility for a title loan is high. This loan is a powerful financial tool when the unexpected expenses come knocking on your door.

Operation Management Tips For Every Business

If you are looking for ways to improve your operations management at work this year, there are plenty of ways you can make this area of your business more effective. Here are some of our top tips for operation management in business this year. 

Appoint a Manager 

If you want to make your operations management a little bit easier to handle this year, you need to make sure to appoint a member of staff to be your go-to person for implementation. You can choose your staff member and send them on courses related to operations management to make sure that they are trained up and able to manage every aspect of the process and report it back to you. This will make things much easier because you will only have one point of contact to go to, and you can trust them with making sure the job gets done properly. 

Business operations

Plan, plan, plan 

Take the time to sit down one afternoon and make a solid plan for what you need to do during the operations management process. Think about what different jobs you need to do, what order they should be completed in, and what software you can use for it all. Think about which members of staff will have access to which information, and ensure that everyone has a clear path to take when the operation begins. 

Set goals 

If you want to be successful in business, you must always take the time to come up with goals you want to hit. For example if you want to sell x amount of products in a month, you can improve your marketing and sales tactics to meet this goal. Set yourself realistic goals and give yourself deadlines to work towards. This will ensure that you are able to complete all of your work and you can carry on growing and growing in the industry.


Don’t try to manage your business operations completely alone. Although you might think it’s easier because everything comes to you, sometimes you need a second opinion to help you with your work and make sure that you make the right decisions for your business. Bring in one or two other team members that you trust and get them to work with you to solve issues and improve your operations process. 


If you are going to run a successful business for years to come you need to learn how to analyze data and improve your processes as a result. Every time you start a project, measure how every step of the process goes, how long it takes and everything else to ensure that you have some data at the end to look through. You will be able to identify issues in your process and this will allow you to work past them and make better decisions next time. 

With all of these tips, you should be a whiz with your business, an expert in your industry and a pro at operations management in no time.

4 Steps To Changing Your Career and Your Pay Check

If you will soon be graduating and looking for work, or are in a job that you’re not completely happy with, but you don’t know how to get out of it, then it could be time to make yourself a better employee. Making yourself a better employee means being someone that more and more people want to hire and give an interview to. Being more employable can change your life in many ways. In can increase your self-confidence, as well as being able to enjoy life more and get your finances on track. So what are you waiting for? Here are some actions that you can be doing to make sure that you’re more employable than ever before.

Changing Your Career

Use Social Media

Like it or love it, or even use it only occasionally, it is good to get online and use social media as a tool for work. It can be a big factor in employment and recruitment, and when used well, it can be a vital tool to help career progression. LinkedIn, for instance, is a really useful tool for job hunters. It is also a good idea to keep your personal profiles on things like Twitter and Facebook professional as possible and remove any suggestive images. They want to see that you’d fit in with them and their business, and they are likely to search you when your application comes into them.

Improve Your Skill Set

If you want to be employed in something in particular, then some training in it, if you don’t have much experience can always be a good thing. Take working in sales, for example. It can be a really varied role with bonuses for hitting targets, making it a really attractive option. But having some sales training can help you to get your foot in the door, so to speak. The same goes for things like IT skills. You don’t need to be an expert or want to work in IT, to improve your IT skills. Needing spreadsheet knowledge to creating pdfs can all be part and parcel of a job, so it will help if you these things or have some experience.

Be Proactive

There is a saying that the early bird catches the worm. And as cliche as it may sound, it is really true when it comes to job hunting and bettering your career. You can’t simply wait for opportunities to come to you. You need to look around, send out your resumes, and talk to people. Your ideal job is going to rarely, in fact, basically never, just come right to you. You need to be serious about making a change and get out there and do it.

Believe in Yourself

If you doubt yourself, then what is going to happen? You are likely to stumble at the first hurdle and then not bother trying again. Be realistic, but also be positive with what you can do. When you carry yourself with confidence it is going to give you a confidence boost, as well as show to others that you know what you are doing. 

Becoming an Estate Agent Could Be the Best Career Choice for You!

The majority of us have dealt with estate agents at some point or another in our lives. They are our first point of contact when we decide to move house or purchase or sell a property. However, have you ever considered actually becoming one? This is an extremely rewarding career that could prove to be a great path for you to take. Here’s a little more information to give you a better idea of whether this role would suit you.

What Does an Estate Agent Do?

When you become an estate agent, you take on the role of selling or letting properties. Now, there are various property markets that you can work within, but when people think of estate agents, they generally consider those working with residential properties rather than commercial properties or land and rural estate sales. 

estate agent

Are There Prerequisites?

Now, with many positions, you simply look up a course or degree in the field and take it in order to be qualified for the position. But this doesn't go for estate agency. There are, as of yet, no official qualifications that you will need to become an estate agent. However, there are certain personality traits that can help to get you off on the right foot. You should be personable, have great communication, be able to cater to others needs and requirements, and a great salesperson. If you’d rather work for yourself rather than an agency, you could start up your own letting agency online. Nowadays, this is easier than ever, as long as you have the right guidance and support. If you want further in-depth information on how to become an estate agent and working for yourself, you can view more here.

What Can I Expect to Earn?

It is estimated that the average estate agent’s starting salary ranges between £14,000 and £20,000. As you gain experience and start earning commission, this can boost to between £25,000 and £60,000. If you take your career to London where property is notoriously costly, you can earn a whole lot more commission for each sale or agreement you make, this can skyrocket to £100,000 annually or more.

Are There Other Benefits?

Most estate agent roles require you to travel in order to meet potential clients, to view and inspect properties yourself and take pictures of said property, and to conduct viewings showing potential tenants around properties. This means that the majority of agencies will provide you with a company car of some sort. Either this, or a car allowance will be provided as a part of the set salary.

Working Hours

Generally speaking, estate agents work a standard 35 to 40 hour week. However, seeing as you have to deal with clients outside of their own working hours, you may find yourself relatively unsocial hours, such as weekends. This will allow you to sell properties to individuals during their free time.

As you can see, estate agency could provide you with a positive working environment, reasonable working hours, and a great salary, as well as a few other perks. So, if it sounds good to you, get started on your new career path as soon as possible!

Could Building Your Own Home Be Profitable? We Explore How To Make It Happen

Many people often dream of being in a position to build and create their own properties. The chance to design every aspect of the build from the floor plan to where cupboards and storage elements will be. It enables you to really design the home around you and your family and the lifestyle that you lead. However, many more people are turning this dream into a reality and in some cases it can turn out to be a really good financial decision to make. 

real estate

It might start off with you buying a plot of land, or perhaps a house that is need of renovation or repair but happens to sit in a great spot and location. It may sound like there is so much to do in terms expenditure with a building a house, and you will be right in thinking that you will need some money behind you to make it happen. I thought it would be worth exploring the process in a bit more detail, to help you understand that although it will take a big investment the rewards could be far greater. 

Finding the right spot

One of the first steps you need to take is to find the right location for your build project. It might be finding a plot of land in the perfect spot, or it could be that you find a very run down house that needs a lot of attention and could be built upon or knocked down so that you can start again. The right spot needs to be easily commutable for your workplace or schools for children as well as being close to shops. It is the same type of things you would consider when finding a house. 

Knowing the costs 

The next thing to think about would be the costs involved for the build process. Not only do you need to consider the cost for buying the plot, which may be mortgaged, you also need to think about how much it will take to create the house you want. You may want to spend some time getting as many quotes together as possible and presenting them to the place you are hoping to obtain the finance from, this is so you can ensure that you are converted and the investment in your project can be made. 

Having the relevant surveys done for planning permission

You also need to make sure that you have the relevant surveys done in order to get the right planning permission. The surveys will determine if there will be any issue or problem when it comes to the build and things like a measured building survey can really come in handy to help you get the relevant permission you need. You also need to get in touch with local councils to make sure that you can get what you want done. It may be a long drawn out process, but when it comes to the end it will be totally worth it to have the place exactly how you wanted it. 

Designing every aspect from interior to cupboard locations

The fun part is the actual designing of the interior. You get to think of every aspect of the design. The kitchen and where each of the cupboards will go. Perhaps including clever storage ideas for things like pans, having a walk in pantry for canned foods and appliances or even just specific cupboards with built in shelves for the likes of spices. The rest of the home could flow exactly how you want it to, bi-fold doors on the rear to bring the outside in, clever storage solutions to keep things tidy like shoes and coats or books. The options are endless and websites like Pinterest are always full of good inspiration. 

Making the property stand out 

You might also want to make the property itself a design feature. That might be done through the materials you use to make it, the big windows you have or even the eco-friendly and energy efficient approach to the build. Making the property stand out will also help improve the curb appeal of the street and location it resides in. 

The result 

So what is the end result? Apart from getting a house designed to your specification and taste, you also have a house that is possibly worth more than what you paid to have it built. This is why so many more people are considering this option for the future and as a way of long term investment

I hope this has inspired you to consider building your own home.