Accept that some days you’re the pigeon, and some days you’re the statue.

I’m just old enough, a senior at Loyola, to know that one.  And that education started at Lake Park H.S. before that.  I know that money comes, money goes and you’re smart not to spend more than you have.

But at the same time, everyone I know from Roselle where I grew up agrees that you have to borrow money in this life. My tuition would be unaffordable if I had to pay for it now. That’s why I and everyone else takes out student loans. It’s an investment.

I had to take out as different kind of loan reacently, a car title loan. For reasons too complicated to go into, I had to hire a lawyer, and she wanted some money upfront, about $500.  I barely make enough money to buy my food, so that seemed like an impossible amount – but what choice did I have? That’s when car title loans started to make sense to me.  I went to Roselle Title Loans, where they got me money for my old 98 Volvo, and which I can pay back on my schedule.

It was a situation where I definitely was the statue, and I had to go after the pigeons.  The good news is I WON.

By the way Roselle is near Bloomingdale, Hanover Park, Itasca, Medinah, and Wood Dale.

What happens if you confuse your Valium with your birth control pills?
You have 12 kids, but you don’t really care.

I told that joke to my friend Sandeep’s mother, who is an OB-GYN. She didn’t really think it was so funny.

Irony is kinda lacking around here in Medinah. I don’t play golf, but I just don’t see any Caddyshack moments out there at the Medinah Country Club.

So I gotta find a way out of this place. I’ve been going to the College of DuPage for about four semesters, but ran up against certain financial difficulties over the last semester break that threatened even that ticket out of here. I was short $500 in tuition money and didn’t really have a way to find it anywhere. That is, until I looked at my car, a 10 year old beater (actually, it’s Sandeep’s mother’s old Saab that she practically gave me) and I remember hearing about car title loans. I went online to Medinah Title Loans, where I picked up that $500 just in time to enroll for the semester. With my parttime job in Roselle, I am paying off that car title loan in less than a month. No valium required!

By the way Medinah is near Bloomingdale, Roselle, Elk Grove, Itasca, and Hanover Park.

Because I’m a man, when the car isn’t running very well, I will pop the hood and stare at the engine as if I know what I’m looking at. If another man shows up, one of us will say to the other, “I used to be able to fix these things, but now with all these computers and everything, I wouldn’t know where to start.” We will then drink beer.

This is how we live in the Ranchettes part of Itasca, where I was born and raised and now live as an adult in the house I grew up in. For the most part, it’s a happy life.  But the transmission blew on the car a few months ago and I knew I didn’t have the cash to fix it, and that meant I also lacked for money for a down payment on something new. Not good.

But I know the Internet and knew I could at least find some ideas there.  I looked for loans on home equity, which are actually harder today to get than a couple years ago (and my dad holds the title there, so that wouldn’t go over well).  Then I found car title loans, specifically Itasca Title Loans online.  The were able to finance the car repair with the book value of the car.  I got the cash in one day, enough to get the transmission replaced in less than three days.

After that, I sat down and had a beer.

By the way Itasca is near, Medinah, Roselle, Bloomingdale, Bensenville, and Elk Grove.