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Articles by Molly Wider

• How to Take Advantage of the New Home Renovation Tax Credit Program
  Recently, there has been significant media exposure on the tax savings opportunity offered by the Home Renovation Tax Credit Program (HRTC). But taking advantage of this opportunity may not be as simple as one would think for those with bad credit.
  Published 07Nov2009, viewed 11 times

• How to Keep Your Truck on the Road
  Whether you drive an industrial-sized truck or a minivan, the principles of keeping your vehicle on the road are the same. In order to keep any kind of vehicle running, you need to adhere to a couple of tried and true truck rules.
  Published 28Oct2009, viewed 30 times

• Digging Up Your Down Payment
  Have you ever purchased any large item without putting down some type of down payment? From houses to electronic equipment, it's impossible to buy anything without spending some kind of cash - even if you sign up for a sixty day payment plan.
  Published 22Oct2009, viewed 23 times

• What Good Credit Means
  Most people know that good credit is desirable. After all, most of us spend out entire lives trying to keep our credit on the plus side of things. Interestingly, good credit is not only important when it comes to gaining a great interest rate, but it's also important for a variety of other reasons.
  Published 22Oct2009, viewed 22 times

• Why Buy a Home?
  There will come a time in every renter's life when buying a home seems more appealing than renting. But for those with bad credit, fixing existing credit issues may be the first step on the road to home ownership.
  Published 21Oct2009, viewed 57 times

• Spend Your Money Your Way
  When you apply for a traditional bank loan, you may (or may not) gain the money that you need, but you won't be able to spend that money any way that you want to. Many people often make the mistake of assuming that bank loan money can be spent in any manner - this is a mistake with consequences.
  Published 21Oct2009, viewed 84 times

• The Cost of Relaxation
  There's nothing quite like a nice relaxing vacation to soothe the sense and ease troubled winter minds. But of course coming up with the funds for said vacation is usually far from relaxing.
  Published 18Oct2009, viewed 104 times

• Keep Your Car or Buy a New One?
  What makes more financial sense: keeping your current car or buying a new car? When confronted with this decision, most people do not know which option to choose. Before you head to your local car dealership (or scrap yard) take a look at this financial breakdown.
  Published 18Oct2009, viewed 55 times

• Mobile Home Loan Freedom
  Did you know that you have to have a good reason to get a traditional loan? Banks will not dole out loans to anyone unless they know how you intend to spend loan money. Banks aren't willing to let borrowers spend loan money any way they choose, and this can be entirely frustrating. Now mobile home owners have an alternative.
  Published 17Oct2009, viewed 171 times

• Cut Yourself a Paycheck
  Are you in debt? If so, then you may want to start paying yourself. This may sound like a strange idea, but it's also an idea that financial consultants have been suggesting for some time now. When you decide to pay yourself a weekly salary, you will be able to accumulate money faster than you may think.
  Published 17Oct2009, viewed 55 times

• Canadian Credit Card Debt Not Improving
  According to recent polls, Canadians are not successfully managing credit card debt. In the past, Canadians were known for resisting credit card temptation, so what's changed? Simply put, the world has changed and an economic crisis is forcing Canadians to turn to credit cards for help.
  Published 15Oct2009, viewed 34 times

• Escaping the Winter Blues
  It's no secret that some parts of Canada get their fair share of snow, sleet, and slippery weather during the winter months. In fact, those that live in the eastern and northern parts of Canada are far more susceptible to depression, moodiness, and a general lack of Vitamin D than those that live elsewhere in Canada.
  Published 15Oct2009, viewed 31 times

• Use Your Mobile Home to Get a Loan
  If you currently own a mobile home, then you may be able to get a large loan to pay off debt, help with home renovations, or use in any other way that you see fit. Bad credit may prevent you from gaining a traditional loan using your mobile home, but this isn't always the case.
  Published 03Oct2009, viewed 177 times

• 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.
  Published 03Oct2009, viewed 74 times

• The Cost of Repairing a Big-Rig
  Commercial owner-operators can earn a lot of money driving a truck, running their own business, and keeping abreast with the trucking industry. However, owning a big rig can also be a costly endeavour. The major problem with owning one thing that the rest of your business depends upon is, well, that the rest of your business depends upon that one thing!
  Published 28Sep2009, viewed 78 times

• Does Getting Out of Debt Take a Miracle?
  The world seems to be full of "get out of debt quickly" solutions, yet most of these solutions are nothing more than smoke and mirrors. This leaves a lot of people asking the question: does getting out of debt take a miracle?
  Published 29Sep2009, viewed 43 times

• How to Handle Credit Card Stress
  Everyone with credit card debt has a different story behind that debt, and how it came to be. Whether you managed to spend more money than you had during your youth or during your adult life really doesn't matter. What matters now is that you've finally come face to face with your credit card debt and made the decision to do something about it.
  Published 26Sep2009, viewed 259 times

• Personal Loan vs. Credit Card Debt - Weigh Your Options
  Have you ever thought about paying some of your bills with a credit card? Not only do many people pay bills with credit cards, but a lot of companies encourage this type of bill payment. After all, having your credit card information on-file is a great way for a company to ensure that they are always paid on time.
  Published 25Sep2009, viewed 786 times

• Biggest Wedding Expenses (and How to Pay for Them)
  The average engaged couple spends nearly $30,000 on their wedding these days - that's the price of a new car. Interestingly, these couples are not splurging on the dress, cake, or rings, but they are finding ways to pay for lavish venues, photographers, and caterers.
  Published 17Sep2009, viewed 122 times

• Financial Crisis: Fighting Over Money With Your Spouse
  What's the number one thing that couples fight about? If you guessed "finances," then you are right. You and your loved one are not the only ones fighting over dollar and cents. Nearly every couple around the globe argues about money on occasion.
  Published 17Sep2009, viewed 55 times

• Drastic Debt Measures
  You probably know all about the different ways to reduce debt, but what if these ways are not enough? If you feel like you're swimming against the tide, even though you are paying your debts off as much as you can each month, it might be time to take some drastic debt measures.
  Published 15Sep2009, viewed 125 times

• Clearing Up Credit Card Debt
  Far too many people were never properly taught how to use credit cards, which is one of the main reasons why credit card debt is so abundant. Taking a few moments to learn about credit cards may help you to eventually clear your credit card debt.
  Published 14Sep2009, viewed 103 times

• Good Credit Report vs. Bad Credit Report
  You've heard about good credit and bad credit, but do you know what the difference is? Why do some people have "good" reports, while others have "bad" reports? Is there a way to determine what kind of report you have?
  Published 28Aug2009, viewed 503 times

• Making Necessary Car Repairs
  Let's face it - cars are expensive. From regular wear and tear to intricate engine problems, cars can cost you a lot of money. The problem is that most people do not have enough money set aside to make necessary car repairs. This results in a car that doesn't run...and a job that's suddenly a lot harder to get to.
  Published 27Aug2009, viewed 91 times

• Life After Bankruptcy
  Life after bankruptcy involves picking up the pieces - one by one. While it's true that you may not be able to obtain most types of credit for three to five years, there are a lot of things that you can do to start building your credit once again.
  Published 26Aug2009, viewed 94 times

• Why Pay Your Bills on Time?
  It's easy to let your monthly bills slide when you need cash flow for other things.If you cannot make your monthly bill payments, don't wait until your credit has been ruined. Instead, look into the debt consolidation loans frequently offered by private lenders.
  Published 25Aug2009, viewed 127 times

• Saving for a Rainy Day
  economists are worried about the state of Canadian saving. At the rate that Canadians aren't saving, a large amount of the population will be in trouble when funds are desperately needed. If you're one of the many that just can't seem to save, take a look at these helpful tips that may help you when that rainy day finally comes.
  Published 24Aug2009, viewed 71 times

• Funding Your Child's Education
  Choosing the right school for your child is no easy task. While you want your child to succeed in life, you also don't want to empty your savings account. Is there a happy medium? Can you find a school that isn't too expensive, but also offers a great education? With the help of private lenders the even the best schools are possibilities.
  Published 21Aug2009, viewed 118 times

• 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.
  Published 19Aug2009, viewed 1453 times

• The Recession is Over - Now What?
  If you've been watching (or reading) the news lately, you may have noticed that the recession is now officially over - or is it? Canadian consumers aren't as quick to run out and spend their hard-earned cash as they once were. In fact, many Canadians have learned some great lessons from the recent recession.
  Published 11Aug2009, viewed 148 times

• Furnish your New Home Without Credit Cards
  most people do not calculate the cost of furnishing a home when they take out home loans. To combat this issue, there are two possibilities: using a credit card or opting for a private loan. The first possibility, credit card usage, may sound appealing, but it might not be the right choice.
  Published 03Aug2009, viewed 122 times

• 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.
  Published 29Jul2009, viewed 331 times

• Interesting Investment Options
  Canadians that are currently investing large sums of money are also those that have unlimited funds to invest. But, what about those average Canadians that are seeking a good investment as well? For those that wish to join other "hands-on" investors, thanks to private lenders all hope isn't lost.
  Published 27Jul2009, viewed 101 times

• Fixing Bad Credit
  If you presently have bad credit, taking out a new loan might not seem too wise. However, this is actually a great way to improve your credit score.
  Published 23Jul2009, viewed 104 times

• 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.
  Published 20Jul2009, viewed 91 times

• During Troubled Times Car Repairs Make More Sense
  This economic downtown is worldwide, which makes economic news in the United States the same (if not similar) to the events happen in Canada. According to a recent U.S. based survey prompted by AAMCO, more consumers are neglecting to purchase new cars. Instead, consumers are attempting to save money by repairing aging cars.
  Published 17Jul2009, viewed 113 times

• Funding a Home Business
  No matter how you look at it, starting a home business requires money. There are many different costs to consider when it comes to your own home business, so make sure to take out a pen and piece of paper in order to write down all the things that you'll need to start your business off on the right foot.
  Published 15Jul2009, viewed 165 times

• 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.
  Published 11Jul2009, viewed 133 times

• Saving for Summer
  The first official day of summer is right around the corner, and that means lots of time to relax, unwind, and enjoy the simple life. Only, summertime also tends to be filled with lots of expensive trips, barbecues, and gatherings with friends and family. If you own a vehicle the solution to your money woes could be as simple as a car title loan.
  Published 20Jun2009, viewed 102 times

• 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.
  Published 17Jun2009, viewed 81 times

• Optimism on the Economic Horizon
  Regardless of the many things that various economists want Canadians to believe, the truth is that the economy is not really improving by leaps and bounds. A concrete example of the economic standstill is that average Canadian banks are not approving nearly as many loan applications as they once were.
  Published 15Jun2009, viewed 91 times

• Owning Your Mobile Home Land
  The vast majority of mobile home owners rent the space that their home occupies. If you have longed to own the land where your home rests, and have paid your homes in-full, you can own your land with a title loan.
  Published 12Jun2009, viewed 153 times

• Big Birthday Ideas
  Creating a memorable birthday for a friend or loved one is a great way to celebrate life. While small gift items are always appreciated, purchasing a highly desired larger item will make any birthday wish come true. You needn't deplete your savings or max out your credit cards though. A private car title loan is an optimal way to quickly gain the money that you need.
  Published 11Jun2009, viewed 113 times

• 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.
  Published 08Jun2009, viewed 70 times

• 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.
  Published 07Jun2009, viewed 105 times

• 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.
  Published 05Jun2009, viewed 75 times

• 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.
  Published 20May2009, viewed 123 times

• Funding a New Business - Asset Based Loans for Business
  The current job market is unstable to say the least. With no end to this global recession in sight, more and more Canadians are opting to start their own companies. Banks used to be a viable way to obtain a small business loan, but in this economy, a private asset-based loan just might be the way to go.
  Published 20May2009, viewed 99 times

• Bankruptcy Burdens
  As Canadians search for ways to save money and pay down debts while avoiding bankruptcy, traditional lenders continue to deny loan applications. With no hope for a loan, and very little money saved, consumers are often left in the midst of a financial flood without a boat.
  Published 15May2009, viewed 101 times

• Canada's Attempt to Catch-Up
  While many countries across the globe are beginning to resurface from the depths of a global recession, this is not the case for Canada. In fact, Canada is amongst a group of countries that continues to decline. The supposed good news is that the "...pace of deterioration is decreasing" (Globe and Mail).
  Published 14May2009, viewed 80 times

• Car Repair Loans - Do They Exist?
  Car repairs are expensive and can easily empty your bank account. Hundreds of people lose money every day due to a car that doesn't work properly. If you rely upon your car to get to work, to pick up your children, and to simply get around town, you know how important your vehicle really is. But, what can you do if you just can't afford to pay for those pricey car repairs?
  Published 14May2009, viewed 106 times

• A Penny Saved
  As the old saying goes: "a penny save is a penny earned," but pennies seem to be rather scarce these days. In a collapsing global economy, attempting to save money seems like a logical idea. The only problem is that trying to find ways to actually save those pennies is somewhat confusing.
  Published 13May2009, viewed 67 times

• 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.
  Published 10May2009, viewed 98 times

• 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.
  Published 08May2009, viewed 75 times

• 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?
  Published 05May2009, viewed 90 times

• 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.
  Published 24Apr2009, viewed 91 times

• 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.
  Published 24Apr2009, viewed 119 times

• Are Bank Loans Really Your Best Bet?
  With Canada on its way to posting one of the worst economic performances in its history, the banks are cutting interest rates like wildfire. This is great news for consumers looking to apply for a bank loan. However, fewer loans are being given to consumers with great credit, let alone those with bad credit. There are alternatives out there that can get you the money you need when you need it.
  Published 17Apr2009, viewed 152 times

• Is There Life After Bad Credit?
  Given the current economic state, finding a loan is now more difficult than ever before. Banks and other lenders simply aren't giving out loans to most people - even if those people have good credit. This news becomes worse if you happen to be one of the many people that have bad credit.
  Published 31Mar2009, viewed 91 times

• A New Category of Loans for those with Bad Credit
  If the thought of taking your vehicle off the road- that same vehicle that helps you earn a living- worries you, a car repair loan may be something to think about.
  Published 08Oct2008, viewed 151 times

• 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.
  Published 25Sep2008, viewed 233 times

• 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.
  Published 22Aug2008, viewed 224 times

• 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.
  Published 06Aug2008, viewed 272 times

• A Bad Credit Rating? What to do about it.
  Many with bad credit aren't aware that they have the ability to fix their credit rating. It takes perseverance and commitment in addition to time, but it can be done.
  Published 29Jul2008, viewed 147 times

• 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.
  Published 23Jul2008, viewed 176 times

• Preparation for Your Loan
  When making a large purchase such as a home or a car, most people make careful calculations and preparations to ensure that they won't default on their payments. The same careful consideration should be considered when applying for any loan.
  Published 17Jul2008, viewed 124 times

• Why Would I Consider a Car-Title Loan?
  There are many reasons why people may need money urgently, but many of these individuals don't know that there is an alternative to falling into the credit card trap when attempting to solve this problem.
  Published 14Jul2008, viewed 232 times

• How to Get Money when you have Bad Credit
  When you're in a bind and need money urgently, but are unable to seek help from traditional financial institutions due to your bad credit, what can you do? A car title loan just may be the right solution for you.
  Published 11Jul2008, viewed 271 times

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