#Title Loans Saskatchewan

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Saskatchewan Car Title Loans: Your Lifeline for Borrowing in Tough Times

Facing a financial crunch? Don't fret! Our Saskatchewan Car Title Loans offer a lifeline for those in need of quick cash. Whether you have good credit, bad credit, or no credit at all, you can borrow against your car's title and get the funds you require. With flexible repayment options and competitive interest rates, our lending solutions are tailored to suit your financial situation. Say goodbye to the stress of borrowing and hello to financial freedom with our reliable car title loans.

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THIS DAY IN GAY HISTORY

based on: The White Crane Institute's 'Gay Wisdom', Gay Birthdays, Gay For Today, Famous GLBT, glbt-Gay Encylopedia, Today in GGay History, Wikipedia, and more … January 2

1801 – Explorers Alexander Henry and David Thompson make an entry in their journal titled Exploration and Adventure among the Indians on the Red, Saskatchewan, Missouri, and Colombia Rivers describe a Native American known as Berdache, son of Sucrie, who is a "curious compound between a man and a woman."

1900 – (Charles William) Billy Haines (d.1973) was an American film actor and interior designer. He was a star of the silent era until the 1930s, when Haines' career was cut short by MGM Studios due to his refusal to deny his homosexuality. Haines never returned to film and instead started a successful interior design business with his life partner and was supported by friends in Hollywood.

Billy Haines was born in Staunton, Virginia. Haines ran away from home at the age of 14, accompanied by another unidentified young man whom Haines referred to as his "boyfriend". The pair went to Hopewell, which had a reputation for immorality. Haines and his boyfriend got jobs working at the local DuPont factory for $50 a week. To supplement their income, the couple opened a dance hall, which may have also served as a brothel. His parents, frantic over his disappearance, tracked him through the police to Hopewell. Haines did not return home with them, remaining instead in Hopewell and sending money back home to help support the family. The couple remained in Hopewell until most of the town was destroyed by fire in 1915. Haines moved to New York City settling into the burgeoning gay community of Greenwich Village. It is unclear whether his boyfriend accompanied him.

He worked a variety of jobs before becoming a model. Talent scout Bijou Fernandez discovered Haines as part of the Samuel Goldwyn Company's "New Faces of 1922" contest and the studio signed him to a $40 a week contract.

Haines's career began slowly, as he appeared in extra and bit parts, mostly uncredited. His first significant role was in Three Wise Fools (1923). However, he continued to play small, unimportant parts at Goldwyn. It was not until they loaned him to Fox in 1923 for The Desert Outlaw that he got the opportunity to play a significant role. In 1924, MGM lent Haines to Columbia Pictures for a five-picture deal. The first of these, The Midnight Express (1924), received excellent reviews and Columbia offered to buy his contract. The offer was refused and Haines continued in bit roles for Goldwyn.

On a trip to New York in 1926, Haines met James "Jimmie" Shields, probably as a pick-up on the street . Haines convinced Shields to move to Los Angeles, promising to get him work as an extra - some sources say Shields worked as Haines' "double' in his films. The pair were soon living together and viewed themselves as a committed couple.

In 1933, Haines was arrested in a YMCA with a sailor he had picked up in Los Angeles' Pershing Square. Louis B. Mayer, the studio head at MGM, delivered an ultimatum to Haines: choose between a sham marriage (also known as a "lavender marriage") or his relationship with Shields. Haines chose Shields and they remained together for almost 50 years. Mayer subsequently fired Haines and terminated his contract, quickly recasting Robert Montgomery in roles that had been planned for Haines. Haines did make a few minor films then retired from film.

Haines and Shields began a successful dual career as interior designers and antique dealers. Among their early clients were friends such as Joan Crawford, Gloria Swanson, Carole Lombard, Marion Davies and George Cukor. Their lives were disrupted in 1936 when members of the Ku Klux Klan dragged the two men from their home and beat them, because a neighbor had accused the two of propositioning his son. Crawford, along with other stars such as Claudette Colbert, George Burns, Gracie Allen, Kay Francis, and Charles Boyer urged the men to report this to the police. Marion Davies asked her lover William Randolph Hearst to use his influence to ensure the neighbors were prosecuted to the full extent of the law, but ultimately Haines and Shields chose not to report the incident.

Haines and Shields remained together for the rest of their lives. Joan Crawford described them as "the happiest married couple in Hollywood."

Haines died from lung cancer in Santa Monica, California at the age of 73, a week short of his 74th birthday, which was on the new year of 1974. Soon afterward, Shields, who suffered from what many believe to be Alzheimer's Disease, put on Haines' pajamas, took an overdose of pills, and crawled into their bed to die. They were interred side by side in Woodlawn Memorial Cemetery.

1928 – Ray Kassar was president, and later CEO, of Atari Inc. from 1978 to 1983. He had previously been executive vice-president of Burlington Industries, the world's largest textile company at the time, and president of its Burlington House division. A member of the Board of Directors, Kassar had spent over thirty years at Burlington.

Ray Kassar was hired in February 1978 as president of Atari Inc.'s consumer division by Warner Communications, which at the time owned Atari. By this time, rifts had begun to develop between the original Atari Inc. staff (most of whom had engineering backgrounds) and the new hires brought in by Warner (who, like Kassar, mostly had business backgrounds).

In November 1978, when Atari Inc. co-founder Nolan Bushnell left the company after a dispute with Warner over the future of Atari Inc., Kassar became CEO. Under his leadership, sweeping changes were made at Atari and the laid-back atmosphere that had existed under Bushnell's leadership all but disappeared. Kassar's twenty-five years at Burlington Industries had given him a taste for order, organization, and efficiency and his efforts to revamp Atari along similar lines provoked substantial animosity. Kassar shifted the focus away from game development and more toward marketing and sales. Atari Inc. began to promote games all year around instead of just at the Christmas season. R&D also suffered deep cuts and the discipline and security at Atari Inc. became strict.

In a sense he also helped create the video game maker Activision. While Kassar was at Atari he angered a large number of the game developers by not crediting them in any way to the point where they walked out of Atari. He told them that they were no more important to the games then the people that worked on the assembly line. They started their own company and called it Activision.

Ray Kassar is the namesake the widely popular game “ Yar’s Revenge.” The creator of the game was a former employee at Atari “Yar” is Ray spelled backwards. The title is a deliberate jab at Kassar, mocking his dictator-like work ethic as well as his flamboyant manner. Ray Kassar was known by the employees at Atari to be an extremely flamboyant homosexual outside the work place. Employees didn't care what his sexual preferences were, but they were irked by his daily habit of being chauffeured to work in a limo and then proceeding to make grand entrances into the office.

Kassar built Atari into a video game giant that it was, before he was forced to resign because of allegations of insider trading in 1983. He sold all of his shares in Atari just hours before a report was published that Atari had suffered monetary loses in the millions.

1929  – Charles Beaumont (d.1967) is born Charles Leroy Nutt. He was an American author of speculative fiction, including short stories in the horror and science fiction subgenres. He is remembered as a writer of classic Twilight Zone episodes, such as "The Howling Man", "Miniature", "Printer's Devil", and "Number Twelve Looks Just Like You", but also penned the screenplays for several films, among them 7 Faces of Dr. Lao, The Intruder, and The Masque of the Red Death.

In 1954, Playboy magazine selected his story “Black Country.” Playboy has been loved by straight men for decades but it was this gay short story that built its reputation. Hugh Hefner was the only one to accept a science fiction story about heterosexuals being the minority against homosexuals. When letters poured in, he said: 'If it was wrong to persecute heterosexuals in a homosexual society, then the reverse was wrong too.'

1949 – Christopher Durang is an openly gay playwright, screenwriter, and actor whose works have been produced on and off-Broadway and regionally since the late 1970s. A fiercely satirical comic dramatist, Durang often incorporates gay themes and gay characters in his plays.

Durang's breakthrough in achieving critical and financial success came in 1981 with the Off-Broadway production of his scathing one-act play, Sister Mary Ignatius Explains It All For You (written in 1979), which has over the years become a popular vehicle for actresses as diverse as Nancy Marchand, Cloris Leachman, Lynn Redgrave, and many others.

In Sister Mary Ignatius... , Durang draws on his childhood experiences as a student in Catholic school. He satirizes the unbending dogmatism of the eponymous Catholic nun, who is oblivious to the absurdity of what she believes and to the harm that she causes. When four former students, one of them a contented gay man, return to embarrass Sister, she shoots two of them (including the gay man) dead.

Durang often creates hyper-sexual characters (both gay and straight) in an attempt to unhinge attitudes about sexual behavior. In Sister Mary Ignatius..., the gay character explains his homosexuality to his former teacher: "I was seduced when I was in the seminary... and then I went to New York and I slept with five hundred different people."

In Durang's more recent work, straight characters take on the hyper-sexuality stereotypically associated with gay men. Lulu in Sex and Longing needs to have sex every fifteen minutes, while in Betty's Summer Vacation, Buck proudly displays a scrapbook containing photos of his penis. Durang's is a distinctive voice in American comedy, at once angry, intelligent, and queer.

He lives in Bucks County with his partner, John Augustine; they have been together for more than 20 years.

1961 – Todd Haynes is an American independent film director and screenwriter. He is best known for his feature films Superstar: The Karen Carpenter Story, Poison, Velvet Goldmine, Safe, and the Academy Award-nominated Far from Heaven and I'm Not There.

In 1987, while an MFA student at Bard College, Haynes made a short, Superstar: The Karen Carpenter Story, which chronicles the life of American pop singer Karen Carpenter, using Barbie dolls as actors. The film presents Carpenter's struggle with anorexia and bulimia, featuring several close-ups of Ipecac (the prescription drug Carpenter was reputed to have used to make herself vomit during her illness). Carpenter's chronic weight loss was portrayed by using a "Karen" Barbie doll with the face and body whittled away with a knife, leaving the doll looking skeletonized. The film is also notable for staged dream sequences in which Karen, in a state of deteriorating mental health, imagines being spanked by her father.

Superstar featured extensive use of Carpenter songs, showcasing Haynes' love of popular music (which would be a recurring feature of later films). Haynes failed to obtain proper licensing to use the music, prompting a lawsuit from Karen's brother Richard Carpenter for copyright infringement. Carpenter was reportedly also offended by Haynes' unflattering portrayal of him as a narcissistic bully, along with several broadly dropped suggestions that he was gay and in the closet. Carpenter won his lawsuit, and Superstar was removed from public distribution; to date, it may not be viewed publicly. Bootlegged versions of the film are still circulated, and the film is sporadically made available on YouTube.

Haynes' 1991 feature film debut, Poison, garnered Haynes further acclaim and controversy. Drawing on the writings of "transgressive" gay writer Jean Genet, the film is a triptych of queer-themed narratives, each adopting a different cinematic genre: vox-pop documentary ("Hero"), 50s sci-fi horror ("Horror") and gay prisoner love story ("Homo"). The film explores traditional perceptions of homosexuality as an unnatural and deviant social force, and presents Genet's vision of sado-masochistic gay love as a subversion of heterosexual norms, culminating with a marriage ceremony between two gay male convicts. Poison marked Haynes' first collaboration with producer Christine Vachon, who has since produced all of Haynes' feature films.

Poison was partially funded with a grant from the National Endowment for the Arts. The film subsequently became the center of a public attack by Reverend Donald Wildmon, head of the American Family Association, who criticized the NEA for funding Poison and other works by gay and lesbian artists and filmmakers. Wildmon, who had not viewed the film before making his comments publicly, condemned the film's "explicit porno scenes of homosexuals involved in anal sex", despite no such scenes appearing in the film.

Poison went on to win the 1991 Sundance Film Festival's Grand Jury Prize, establishing Haynes as an emerging talent and the voice of a new transgressive generation. The film writer B. Ruby Rich cited Poison as one of the defining films of the emerging New Queer Cinema movement, with its focus on maverick sexuality as an anti-establishment social force.

Haynes achieved his greatest critical and commercial success to date with Far From Heaven (2002), a 1950s-set melodrama inspired by the films of Douglas Sirk about a Connecticut housewife Cathy Whittaker (Julianne Moore) who discovers that her husband (Dennis Quaid) is secretly gay, and subsequently falls in love with Raymond, her African-American gardener (Dennis Haysbert).

Haynes is openly gay. He currently lives in Portland, Oregon.

2005 – Bonnie Bleskachek became the first openly lesbian fire chief of a major city, Minneapolis. She was demoted two years later amid claims of harassment and discrimination, but return to the department as a staff captain. She co-founded the Minnesota Women Fire Fighters Association.

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Buying a Foreclosure Homes in Canada a Smart Investment?

Buying a foreclosure home in Canada offers a unique opportunity for investors and buyers to acquire properties at below-market prices. Foreclosed homes are properties that lenders sell after the previous owners fail to pay their mortgages. Though less common, these sales provide buyers with a chance to purchase properties at a discounted rate. With recent increases in mortgage interest rates, some Canadian homeowners have struggled with payments, potentially leading to more foreclosures and opportunities for savvy buyers.

Understanding Foreclosures in Canada

When a Canadian homeowner can’t make their loan payments, the lender has the right to take back and sell the property to recover their losses. This process, known as foreclosure, can begin as soon as a payment is missed. However, it’s not an immediate sale. The lender first issues a notice of default, giving the homeowner time to resolve the issue or sell the property themselves. If the homeowner fails to take action, the lender may proceed to sell the home, often through an auction.

It’s important to note that foreclosures are less frequent in Canada compared to the United States, making them a niche opportunity in the Canadian housing market.

Types of Foreclosures in Canada

There are two primary foreclosure methods used in Canada:

Judicial Sale: In provinces like British Columbia, Quebec, Alberta, Saskatchewan, and Nova Scotia, lenders must go through the courts to gain permission to sell the property. This method can be time-consuming and expensive, often taking several months or even up to a year. The court involvement ensures a fair process, but it also means the lender incurs legal costs, which they recover from the sale proceeds.

Power of Sale: In provinces such as Ontario, Prince Edward Island, New Brunswick, and Newfoundland and Labrador, lenders can sell the property without going through the courts. After the sale, they pay off the mortgage debt and any related fees. If the sale amount exceeds the debt, the remaining funds go to the borrower. However, if the sale falls short, the borrower remains responsible for the outstanding balance. This method is typically quicker and less costly than the judicial sale process.

Things to Know About Foreclosure Sales

Pre-Foreclosure Sales: Sometimes, homeowners attempt to sell their property before the lender takes control. This can present opportunities for buyers to purchase at a discounted price before the foreclosure process is finalized.

Auctions: Banks may sell foreclosed homes through auctions, either in person or online. It’s essential to understand the rules and costs associated with these auctions, as inspections are often only allowed after purchase.

Is Buying a Foreclosure Right for You?

Investing in a foreclosure property can be a great opportunity, but it also comes with risks. It’s essential to assess your financial situation, experience level, and comfort with potential challenges.

Benefits of Buying a Foreclosed Home:

Lower Price: Lenders often aim to sell quickly, which can result in discounted prices.

Investment Potential: Foreclosures can be an affordable entry point for those looking to buy, renovate, and rent or resell properties.

Clean Title: Lenders usually clear old debts or unpaid taxes before selling, simplifying the purchase process.

Renovation Opportunities: Purchasing below market value allows buyers to invest in improvements that could increase the property’s value and equity.

Buying a foreclosed home is often faster than a standard property purchase. Banks and homeowners eager to sell may offer better deals and expedited transactions, appealing to both investors and first-time buyers.

Challenges of Buying a Foreclosed Home

Despite the advantages, buying a foreclosed home has its downsides:

Competitive Market: Not all foreclosures are discounted significantly. In a competitive market, desirable properties may sell quickly, pushing prices higher.

“As-Is” Sales: Foreclosed homes are sold “as-is,” meaning buyers take on any necessary repairs and may need to remove belongings left behind.

Complex Legal and Financial Processes: Purchasing a foreclosed home often involves more stringent procedures, which can be complicated and time-consuming.

Liabilities and Taxes: Mortgage contracts may release lenders from any responsibility for property issues. Buyers may also face land transfer taxes, especially in Ontario, where rates range from 1% to 3% based on the property value.

Steps to Buying a Foreclosed Home in Canada

If you decide to pursue a foreclosure purchase, follow these steps:

Hire a Realtor: A professional REALTOR® with foreclosure experience is crucial. They can guide you through the complexities of buying a distressed property and answer any specific questions you may have.

Inspection and Appraisal: Conduct a thorough property inspection and appraisal to ensure you’re getting a fair deal and to understand the home’s true condition.

Budget for Costs: Foreclosures come with additional expenses, such as:

Reconnecting utilities

Renovations

Changing locks

Land transfer taxes

Administrative fees and permits for modifications

New appliances and repairs

Improve Your Finances: Boost your credit score, save for a substantial down payment, and pay off any existing debts to increase your chances of mortgage approval.

Make an Offer: Once you’ve done your research and decided to move forward, work with your realtor to make a competitive offer.

How to Find Foreclosure Homes in Canada

If you’re interested in exploring foreclosure options, here’s where to look:

Online Listings: Many real estate websites have foreclosure sections or filters to help you locate these properties.

Bank Websites: Some Canadian banks list foreclosed properties under “real estate owned” or “foreclosure” sections.

Real Estate Agents: Agents specializing in foreclosures can help you find and secure properties.

Government Websites: Occasionally, government listings include foreclosures, particularly those related to tax defaults.

Urban Team: Your Trusted Partner in Foreclosure Home Buying

With over 15 years of experience in the Canadian real estate market, Urban Team Homes is your trusted partner in buying foreclosure homes. Whether you’re searching for a primary residence or an investment opportunity, our expert team offers personalized support throughout the entire process, from property search to market analysis and negotiation. We ensure a smooth and successful transaction, making your investment in a foreclosure home a smart and rewarding decision.

Frequently Asked Questions (FAQs)

1. Can you buy foreclosure homes in Canada? 

Yes, foreclosure homes are available in Canada, typically listed on the Multiple Listing Service (MLS) or through specialized real estate agents.

2. Why buy a foreclosure home? 

They are often sold below market value, offering investment opportunities and quicker closing times.

3. What are the risks? 

Risks include unexpected repairs, unpaid taxes, and legal complications. Proper research, inspections, and professional guidance are essential.

4. Where can I find foreclosure listings? 

You can search on MLS, bank websites, or government platforms and work with real estate agents specializing in foreclosures.

5. Is buying a foreclosure home right for me? 

It depends on your finances, investment goals, and willingness to navigate the complexities of foreclosure purchases. Professional advice is recommended to make an informed decision.

Considering buying a foreclosure? Contact Urban Team Homes for expert guidance and support in finding the best opportunities in the Canadian real estate market.

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Tips On Getting The Best Deals On Car Title Loans

Car title loans have been designed to solve urgent financial difficulties. You can apply for a car title loan online or in the lender’s physical office. The steps to applying for a car title loans are usually easy but you have to be aware of certain tips to guide you.

#1: Do A Background Check On The Reputation Of the Auto Title Loans Company

Before making a decision on the car title loan company to choose, ensure to check for how reputable they are. How long have they been in existence? What are people saying about them? Do they have a physical office? All these are important questions to ask.

Another thing you need to consider before applying for a pink slip loan is if the lending company has the license to operate in your state or province. You will not be able to obtain a loan from a lender if they are not licensed to give out title loans in your state. Some auto title loans companies may be eligible to operate only in certain states so ensure to check for your state’s eligibility before applying. There are certain regulations which vary from one state to another that determine what is required for a company to be registered.

#2: Find Out The Payment Options That Are Available

It is very vital to know how a lending company intends collecting your loan repayment. Do they plan on taking the payments through direct payment or from your paycheck? You will also need to find out precisely how long your loan will last. Just like other types of loan, the longer it takes for you to repay your loan, the lower amount of payment you will have to make per month.

However, the negative aspect of this is that you are going to be making more payments each month on financial charges. It is in your best interest to make sure that your loan is outstanding for a very short possible period of time.

#3: Find Out If They Charge A Pre-Payment Penalty

From the day your car title loan is given to you, your interest starts counting. Due to the fact that you wouldn’t want the interest charges to keep adding up, you will want to pay off your loan before the due date in order to save money. But this can only be possible if you will not be charged a pre-payment penalty by the lending company. You have to ensure that your lender is not going to penalize you for making an early payment before agreeing to sign off your loan.

#4: Check For The Car Title Loan Application And Approval Process

This process differs from one lender to another. There are some lenders that will allow their title loan application and approval process to be done completely online, just like it is for Car Title Loans Saskatchewan. Others may require more verification either by putting a call through to you or requesting that you visit any of their physical branches with the required documents and your car for further verification.

#5: Check For The Kind Of Car Your Lender Accepts

Some lenders will accept cars manufactured from the year 2000 to the current year while others can still accept cars manufactured as far back as the year 1995. You also need to know the mileage restriction of the lending company.

#6: Ensure That You Can Keep Driving Your Car

During your application process, make sure that your lender can let you keep your car. There are lenders that will require your vehicle to be in their possession until you can repay your loan. Although this practice has greatly reduced, you still have to verify.

Car Title Loans can be the best option for most people when they are faced with a financial problem. It will do you a lot of good when you are prepared and aware of what you are involving yourself in before applying for the title loan.

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Flexible Loans, Fast Approval: Car Title Loans Saskatchewan

Unlock cash using your car's value with Car Title Loans Saskatchewan! Car Title Loans Canada offers quick and easy loans using your car title. Get the money you need without giving up your vehicle. Our auto title loans provide a hassle-free solution for financial emergencies. Apply now and experience the convenience of vehicle title loans. No credit checks, low-interest rates, and flexible repayment options make us your trusted choice. Secure your loan with your car title today! Fast approvals and same-day cash disbursement. Don't let financial stress hold you back – drive forward with Car Title Loans Saskatchewan from Car Title Loans Canada!

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Facing Financial Dilemma then Solve Your Problem With Car Title Loans

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