The electric chair was invented by a dentist.

I read that on the Internet. And I think the billing department at my dentist’s office was designed by the IRS.

Seriously, the last bill for my wife’s cosmetic dental work was $6500. This did not come at a good time. She’s out of work, interviewing for new jobs, and the rationale is good looks get you hired. I agree and understand. So the question was, where’s the money coming from when my salary is covering everything right now and the credit cards are near their limit?

I got creative. I looked at the Toureg and figured it was good as collateral. Sure enough, went on the Internet and found Car Title Loans in Vestavia HIlls. It works — you get the money in a day or two, and you pay it off on your schedule. I called around to friends and family everywhere – Birmingham, Alabaster, Indian Springs Village, Meadowbrook,  Westover – and they all knew about this method. Several people said it’s pretty much just like a home equity loan. Both my wife and I are smiling.

I just took a business course at Lawson State after I lost my last job. Which was great, I never knew how to use all my fingers on the keyboard. And that’s when I learned that TYPEWRITER is the longest word that can be made using the letters only one row of the keyboard. Amazing, isn’t it. That’s almost like when there’s a funeral director with the name Bury, or a guy running a fishing boat business is named Rivers. Things like that amaze me.

I’m also amazed at how no matter how cautious I am with money, there just are times when you can’t win. I had just finished paying for my car, after four years of monthly payments, and WHAM, I get sideswiped by some kid on meth or something. He took off, I didn’t get his license plates and they never found him.  Meanwhile, I was only carrying liability coverage on my car, not collision, and I was stuck with an $800 bill unless I was willing to drive around with plastic on a window and the passenger door not able to open.

That’s when I figured out how car title loans work. You go online, fill out a form and the money you need gets there in two days. So I used Car Title Loans in Pelham, because they were super nice and easy to work with. It made sense to me to use my car to cover a car repair cost. I paid back the loan in about six weeks and everything is a-ok again.

From what I hear, people from all around – in Alabaster, Birmingham, Calera, Childersburg, Vestavia Hills and Pelham – use this service, for anything, not just car repairs. It’s money when you need it.