I moved to the Phoenix area to work in software analytics. It was my dream to live and work here in the Southwest, and I fully enjoyed every bit of it since I landed in Paradise Valley in 2002.

So when my company shipped my job to India, I didn’t take them up on their offer for me to move with it. I understand the economics of global commerce, but life is more than just working one job.

Nonetheless my personal finances suffered from this. I took on some consulting projects, but that was uneven. I realized I’d need to retrain. I got behind in my bills along the way, accepted the fact I have expensive tastes, and come to terms with the idea of learning new skills.

Much to my dismay, because my bills got ahead of my cash, I got bad credit. And with bad credit, where would the money for retraining come from?

I ran an analysis on my options, and guess what? My need for fast cash translated into a car title loan. Glad I bought that Escalade when I did. Once I got used to the idea, I filled out an online application with Phoenix Car Title Loans. It was nothing like going to a car title loans store downtown. In one day I had my money and the next I registered for my class.

Under current economics conditions, this method makes a lot of sense. Auto title loans in some situations are just smart asset management.

- Nerida O.