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Are you looking for a loan or for credit help?  Are you looking for some way to get through a rough period in your life because of a layoff or a drop in income?  This page has information and links that can help you.  Some of the businesses here are commercial firms offering loans, while others are non-profits.  If you are looking for help with a mortgage loan, please go to our special "Mortgage Deals / Help" page for that information.  And we have various pages offering legal help and you will find those pages in our index on the left with a list of lawyers.

KEEPING IT SIMPLE FOR YOUR HEIRS SO THEY DON'T LOSE YOUR MONEY

Update January 6, 2014  Over the years I have reported on how assets in safe deposit boxes are forgotten -- and so-called "abandoned" safe deposit boxes are turned over to the State. When heirs or owners can't be found the contents of those safe deposit boxes are often sold by the State and that's because the State Treasurer doesn't want to store your gold chains, gold coins and diamond jewelry. Instead of storing the actual physical assets, the cash from the sale of those items is held until claimed. And it could be a loss if an heirloom watch or necklace is replaced by cash. Elder law attorney Martha Patterson sent me an interesting article about how to make it easy for your heirs to handle to handle your inheritance that you leave them, and part of making it easy includes information so that your money doesn't get lost after you pass away.So one of Martha's tips is to be sure that safe deposit boxes are not kept a secret. Martha's report follows, and if you want to reach Martha Patterson call her at (866) 452-9657. Here is Martha's article:

If your spouse or heirs cannot quickly figure out what you own after you pass away or become incapacitated, you won’t just leave them frustrated-you might leave them with less money. State Treasuries and other government agencies currently hold more than $32-billion in unclaimed financial assets, and most of these proceeds belonged to now deceased account holders whose heirs were unaware that the accounts existed. In the past heirs went to your file cabinet and safe deposit box. Today things have become much more complicated, online accounts…automatic withdrawals and bill payments… and dozens of passwords and PIN codes. All of this makes it harder for your heirs to find your bank accounts, brokerage accounts, life insurance, and unredeemed savings bonds. If your heirs cannot find your money the money ends up in a State Treasury or other government agency.

Here are 3 things to do to make sure your heirs can find your money:

1..Ditch the Safe Deposit Box. If your heirs do not know where it is it could be difficult if not impossible to find. Further, if your heirs do not have the key and do not have permission to access the Safe Deposit Box, the Bank could require the heirs to get permission from Court before they will open the box. A better solution for keeping important papers is a fire proof safe.

2. Keep a List of Your Accounts and Keep it Current. You should have a Paper list of your accounts with institution and account number, you may want to keep the list as part of your Trust and also make sure that a copy of the list to the person who will handle your affairs when you die.

3. Keep a list of your passwords. It has become more and more important for people to change passwords and make them more complicated (harder for people including your spouse and heirs to guess), if your heirs can’t access your online accounts money can be lost. I recommend keeping your passwords in a safe location. (I keep mine on a paper list).

I know we all want to keep our financial information private, and may not want our spouses or heirs to know everything about what we own and how to find it, unfortunately when we become incapacitated or pass away in the digital age our heirs will not be able to open our mail, or go to the corner bank to find your money, you need to be proactive and make sure there is a way to find the information.

PROS AND CONS OF GETTING A PAWN SHOP LOAN

Update September 21, 2011  I know that pawn shops have a seedy reputation.  On TV there are programs where the down-and-out will try to get a few bucks for their dentures, or for some old tools after someone has been laid off from a construction job.  You probably think of pawn shops are a place to sell a wedding ring from a failed marriage and you probably think of pawn shops as places filled with guitars and drum sets from rock stars who never were.

But there are also classy pawn shops and respectable families can use these for emergency short term loans.  I know this very well -- because when I was growing up I knew good people who went to high-end pawnshops to get emergency loans on diamond jewelry and sets of sterling silver flatware.  Today's pawn shops offer loans on cars, fine art, and fine collectibles.

There are some advantages for pawn shop loans.  First, they are very fast.  There is no application process, there is no credit check, there is no background check -- all you do is present the property (collateral) and agree to a loan amount and payment terms.  Payment terms including interest rates are governed by law and there is no hiding the fact that they are expensive.  This is why pawn shop loans should be considered as emergency, short term loans.

Pawn shops don't care if you are behind in your credit card or mortgage payments.  As long as your collateral (jewelry, watches, silverware) is worth more than the loan amount you will get your loan.

If you do not repay your loan and redeem your property it will be sold so the pawn shop can recover the money it lent to you.  So you must acknowledge the fact that the loan must be repaid.  If you don't think you will be able to repay the loan you might be better off selling the item upfront instead of pawning it.

You should check the reputation of the pawn shop before handing over the property.  Find out if they are licensed and insured, and how your property will be stored for safekeeping.  Be especially sure that you know the terms of your loan, when the payment is due, and how to make the payment.  And look around the pawn shop before you agree to the loan -- and ask yourself if you want to do business with this company?  You also might want to "shop around" for special interest rates and loan deals among other pawn shops.  The pawn shop business is competitive and for larger loans interest rates and terms are negotiable.

TITLELOANSORANGECOUNTY.COM FOR CAR LOANS, PERSONAL SIGNATURE LOANS

The website www.TitleLoansOrangeCounty.com will introduce you to a company that offers title loans on cars.  A title loan on a car is available if you own the car and you are not making any loan payments on it.  This company will give you a loan based on the value of the car.  You've heard of these types of companies but TitleLoansOrangeCounty.com is different because of its fast service and offer to provide the lowest interest rates.  In fact, you can drive your car in and get a loan in as little as thirty minutes.  Signature loans, which are personal loans, are also available.  And this company says that because this type of loan business is now more competitive than ever before, interest rates have been dropping.

PAYDAYLOANSHUNTINGTONBEACH.COM OFFERS COMPETITIVE RATES

The PayDay loan industry has been attacked because of its high interest rates on short term loans.  But www.PayDayLoansHuntingtonBeach.com has lowered the costs of these loans to beat the competition and to give consumers a break when they need one.  While these are not the best interest rates available for consumer loans, these loans can fill an emergency gap.  Do shop around but be sure you call PayDayLoansHuntingtonBeach.com for their best offer when you are in a bind.

Here on our new media website "Moneyman" Alan Mendelson who is the original Best Deals TV Show reporter on KCAL9 and consumer advocate, shows you the best deals on TV, and the best buys, bargains and where savvy shoppers go to save, and how to get the most for "your money" with the best of Los Angeles, Orange County, Ventura County, Riverside County and San Bernardino County.  Our Best Buys TV Show has the best TV deals and is the only regularly scheduled weekly best deals TV show in Southern California.  We show you the best buys and best deals on TV and more deals and bargains on www.alanbestbuys.com and www.bestbuystvshow.com and watch for our Las Vegas TV show Vegas Best Buys.  Some of the content can come from paid advertising and from our advertiser paid TV infomercial programs.  The Best Buys TV Show is a paid infomercial program which may also include news and information which is not sponsored or paid for by advertisers.  AlanBestBuys.com has the highest ranking among competitive sites in Southern California according to the independent website ranking companies Alexa.com and Quantcast.com and our Best Buys TV Show is the most watched shopping and consumer information show in Southern California.

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