I’ve found there are some certainties in life: The colder the x-ray table the more of your body is required on it. The hardness of butter is directly proportional to the softness of the bread. The severity of the itch is inversely proportional to the ability to reach it. And the worse financial problems come when you can least afford them.

The last one hit me like a semi rolling down the Eisenhower. My wife and I both lost our jobs since last summer, then our daughter got sick and was at Rush for two weeks. We had some uncertainty over insurance coverage, and at one point her care was not assured because we weren’t sure we were covered under my COBRA policy. I had to come up with $1500 for a diagnostic, with the possibility of another $10,000 in cost if they found what we were worried about.

I didn’t know what to do. So I did some research on loans that you can find on the Internet. The best deal I found enabled us to borrow against our cars, both of them, through car title loans. I had never considered going to one of their store front operations, but when I found Hillside Title Loans online, I realized I didn’t have to go anywhere. Through an all-online process, they assessed both cars’ values and determined within an HOUR that we were loan-worthy. The money arrived electronically the next day, which was a HUGE relief. I would recommend a car title loan to anyone in the same circumstances.

Our daughter is doing well, we’re hopeful about new job prospects, our insurance is now covering most expenses, and we have our cars that can take us to interviews and part time work in the interim.

By the way Hillside is near Berkeley, Bellwood, Melrose Park, Stone Park, and Elmhurst.

My husband Jose and I moved from Chicago to Franklin Park ten years ago because of the many jobs here. But with the closing of his plant in 2006, he started driving to O’Hare where he found his new job.

But last year, United cut back on their flights which affected his job too. He still was working parttime, but the problem was when the car needed repair we didn’t have the extra money for that. He needs his car to get to work, so we didn’t know what to do.

Then my friend Marisol told me to go to Franklin Park Title Loans. That’s where they give you money for your car title if you are done with the car payments. We are, so that worked really well. Jose paid for the repair and now he’s confident of the car working every day so he can make the trip in to work. He hopes they give him more hours again soon or to get more hours with another company.

By the way Franklin Park is near Northlake, Melrose Park, Berkeley, Bellwood, and Oak Park.

Answer me this: If nothing ever sticks to Teflon, how do they make Teflon stick to the pan? Why is it considered necessary to nail down the lid of a coffin? Why is the time of day with the slowest traffic called rush hour?

Now tell me why old cars can be more valuable than new cars. Stumped? It can be old cars because they tend to be paid for while for most people new cars are likely under a payment plan or leased.

And here’s where that can be a benefit: when you need cash, a paid-for car is eligible for a car title loan. I hadn’t really thought about when I’d need such a thing until recently, when a medical bill socked me with $2500 in uncovered charges. That’s not the kind of money I have sitting around waiting for hospital charges, so where would I get it? I went on the Internet and found the answer: car title loans can be found right here, at Elmhurst Title Loans.

Because you transact the whole thing on the Internet, it’s also fast and easy. No going into some crappy neighborhood in Chicago, you just fill out the online forms and you learn in a half hour if you’re approved. Then they wire the money to your checking account by the next day (i.e., no waiting for a check to clear).

Yeah, it’s a mystery to me why more people don’t know about this. It’s a great back up to unforeseen situations. And it generally works better for people with older cars.

By the way Elmhurst is near Northlake, Melrose Park, Villa Park, Broadview, and Oak Brook.