7 Expensive Insurance Mistakes

1.       Your doctor isn’t in the network: Don't assume a specialist is in the network just because your primary care doctor gave you the name.

2.       You pay insurance premiums to save on the co-pay: If you go to the doctor only a couple of times a year, is it worth hundreds of dollars extra on the premium just to get a lower co-pay?

3.       The drugs you need aren’t cover: If your plan provides prescription-drug coverage, check to see if your medications are included on its formulary, which lists the preferred drugs for coverage.

4.       You're overinsured: Supplemental insurance policies might be unnecessary if you already have broad coverage under your medical insurance and short-term and long-term disability insurance.

5.       You can't afford your share of the medical bills: Low premiums are an attractive feature of high-deductible health plans, but make sure you're prepared to pay all the out-of-pocket medical expenses.

6.       Your policy doesn't cover maternity care: In many states that maternity coverage is not mandated, many individual health plans pay only a small portion of the costs or don't cover maternity at all.

7.       You don't check your health plan for changes: Don't assume the plan is still the same. Coverage levels, costs and networks could change from one year to the next, even if the plan is offered by the same insurer.


If you are struggling in today’s tough economy, City Loan is always here to help. Whether you own a car, truck, RV, motorcycle or boat – City Loan can give you a loan today. Bad Credit? No Credit? No Problem! Contact City Loan today and get the cash you need. Visit us at http://www.cityloanfastcash.com or Call 1-877-CASH-SOS.

Borrowing from 401(k) Could Be a Bad Idea | Long Beach, CA

According to a WSJ article, more people are borrowing form their retirement funds. 28% of participating workers had borrowed from their 401(k) as of the end of 2010, up from 26% in 2009.

Most financial advisers might tell you not to raid your 401(k) because the money you invest in your 401(k) is sheltered from income tax, while you must use after-tax dollars to pay back whatever you borrow from the 401(k). Furthermore, if you leave your job, you have to pay back your loan in a short period of time. 75% of employees who leave their job with loan outstanding end up defaulting.

Don't raid your retirement fund. Instead, if you are struggling in today’s tough economy, City Loan is always here to help. Whether you own a car, truck, RV, motorcycle or boat – City Loan can give you a loan today. Bad Credit? No Credit? No Problem! Contact City Loan today and get the cash you need. Visit us at http://www.cityloanfastcash.com  or Call 1-877-CASH-SOS.

3 Ideas around the World That Could Fix U.S. Economy | Long Beach, CA

Bloomberg Businessweek: Below are 3 creative ideas from around the globe that could revive U.S. economy. There are 9 ideas originally reported on Yahoo Finance, but we select only top 3 that are highly applicable to U.S. to be posted here.

1. Minimize Mortgages (Germany): In Germany, housing market is less likely to booms and busts because only highly qualified buyers can get a mortgage, and they have to put 20-40% for down payment. Its housing prices increased only 9% since 2003. U.S. should toughen its lending rules to prevent another housing market crash.
2. Open the Doors (Turkey): Many people think that U.S. is a land of opportunity for foreign investor. In fact, it is a lot less welcoming compared with other countries such as Turkey who set up Investment Support and Promotion Agency and arrange tax breaks for multinational companies. A turkey-style mix of tax incentives and legal assistance might persuade more foreign firms to invest in U.S. and, thus, create jobs for Americans.
3. Swords into Software (Israel): The Pentagon should learn from Israel on how to convert defense budget into commercial products that can benefit the broader economy. Israeli Defense unit has launched successful software ventures such as Check Point Software Technologies, ICQ, and NICE systems. In U.S., no one is responsible for getting commercial bang for military bucks, which means there is plenty of room for improvement.

If you are struggling in today’s tough economy, City Loan is always here to help. Whether you own a car, truck, RV, motorcycle or boat – City Loan can give you a loan today. Bad Credit? No Credit? No Problem! Contact City Loan today and get the cash you need. Fill out our online application or Call 1-877-CASH-SOS

Getting to Know Car Title Loan Industry | Long Beach, CA

Auto title lending business gives consumers a choice to use their vehicle's title as collateral to get immediate cash while they can keep the vehicle to drive. The maximum value of the loan is determined by the value of your vehicle; usually, most lenders will lend you up to 50 - 60% of the vehicle resale value.

If title lenders hadn't existed, people who have bad credit and those who just start their life in America with no credit score would have had limited choices of financial resources.

At City Loan, getting a car title loan has never been easier. Regardless of your credit score, you only need a California driver license and a clear title for your vehicle to be qualified for an auto tile loan here! Served by our experienced and courteous loan officer, you will get the cash you need in your hands in as little as 15 minutes while you keep your car to drive!

Visit us at http://www.cityloanfastcash.com/ or call us at 1-877-CASH-SOS

City Loan is rated A+ by the BBB | Long Beach, CA

What is the BBB?

Better Business Bureau (BBB) is a non-profit organization focusing on promoting activities to create ethical marketplace. Their goal is to make consumers more informed, knowledgeable, and satisfied with business transactions.

City Loan and the BBB

City Loan, headquartered in Long Beach, CA, has been a BBB accredited business since 2004. We are also rated as an A+ business. According to the BBB website, the factors that raise our rating include:

• Length of time business has been operating: We have been in business since 1995.
• Complaint volume filed with BBB and how we response to them: We have only 11 complaints filed for the last 7 years, and we work with all cases until they resolve.
• BBB has sufficient background information on our business.

For more information on City Loan’s BBB profile, please visit http://www.la.bbb.org/BusinessReport.aspx?CompanyID=29000238&source=ctc. Also, you can read our customers reviews at http://www.trustlink.org/Reviews/Tool-City-Inc-205883512.

We base our philosophy on listening to every customer’s needs and providing the best loans possible. We pride ourselves on being fair and providing competitive loan options to our customers. That’s why customers always give us positive feedback and come back to when they find themselves in need of a quick, easy, and confidential loan.

City Loan FAQ | Long Beach, CA

Who is City Loan? 

Serving California since 1995, City Loan bases its philosophy on listening to every customer’s needs and providing the best loans possible. We pride ourselves on being fair and providing competitive loan options to our customers. Our headquarter is in the city of Long Beach, and we have locations all over California. 

What kind of loans does City Loan offer?

We have two types of loans available for you. With our Title Loans (also known as Pink Slip or “You Drive” loans), you can still keep your car to drive, and we’ll give you up to 60% of the value. With our Storage Loans (also known as Auto Pawns), we offer to store your vehicle at our secure facility, and you make NO payments until you pick up your car. Speak with your loan agent to find out which loan type is right for your needs.

Do I need good credit to get a loan?

No, your loan can be approved loan today, regardless of credit history. City Loan understands that people have troubles from time to time, and we’re here to help. Speak with your loan agent for more details.

How quickly can I get the money?

We can put cash in your hands in as little as 15 minutes, depending on your needs.

Does my car need to be paid off?

No. If you still owe a little money on the vehicle, we can pay that off that debt as part of your new loan. Speak with your loan agent about your current situation. Every loan is different, and our goal is to provide you with the right loan.

What do I need to qualify?

City Loan has a short list of required documents that your loan agent can discuss. We make it easy for you to qualify in as little as 15 minutes!

Can I still borrow from City Loan if I’ve lost my job?

Yes, you can. City Loan is here to help you get back on track, and the best part is that you can still keep your car to drive.

Where does City Loan do business?

We are headquartered in Long Beach, CA with locations all over state of California. As long as you have a California car title, City Loan can give you the cash you need today.

How do I apply for a loan with City Loan?

Fill out online loan application here and one of our loan officers will contact you, or you can call 1-877-CASH-SOS.

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