How Car Title Loans Work in California and Across the Country

How Car Title Loans Work In California And Across The Country

Car title loans. You may have heard of them before, but there’s also a large percentage of people who haven’t. A car title loan can often be a fantastic way for people to get cash quickly in the event of an emergency.

However, it’s something that you need to properly understand before you attempt to even look into the world of car title loans. You need to understand how they work and how your car would be used, so let’s take a look at them here and now.

What Is A Car Title Loan?

Officially, a car title loan is a loan which is secured because you offer the deed for your vehicle as a collateral. When you’re trying to get an urgent loan, the car acts as an asset that you have to barter with.

You give them temporary legal rights to your vehicle, and often the promise that you will surrender the vehicle to them if you can’t pay back the loan. It’s a bit of extra security for loan companies.

So, How Do They Work?

Of course, what we’re looking at here is how things work in California. In case you start to look for car title loans in California, it’s a good idea to make sure that you understand what’s going on.

First, you’re trying to get a loan from a company. It’s urgent, and would really help to get you out of a tight spot. So what do you do? You offer the company your vehicle as part of the loan conditions. It acts as a fallback for them – if you don’t pay the loan, they keep your vehicle.

To do this, you transfer ownership of the vehicle, or the title deed, over to them. While they have it, they may impose certain conditions on the car – you can’t drive it, or you can only use it between certain times. They will then hold onto your vehicle’s title deed until you pay back the loan in full.

That’s when they’ll give the vehicle back to you entirely because business between you and them has concluded. It’s important to understand that during the loan period, the company will impose a lien on your vehicle. It’s a legal term which grants them the right to keep it should the contract be violated.

Overall, car title loans are a great way to get yourself out of a jam when you’re in California. They’re really helpful for people who don’t necessarily have other assets to bargain with.

However, it’s important to understand that a failure to keep to the terms of your contract will result in your car being taken by the company. You should always make every effort to repay your loan.

This helps to prevent an unfortunate circumstance where you do lose your vehicle and ensures that you don’t have to worry about that particular consequence.

However, it’s still worth noting that the car title loan is a good idea, and can be very beneficial in a lot of situations.

Start Your Fall California Garden in September

September is the time to plant cool weather vegetables and flowers as well as perform fall maintenance around the yard.

Plant Cool Season Vegetables: Plant such vegetables as broccoli, peas, kale, beets, broccoli, Brussel sprouts, cauliflower, lettuce, spinach, radish, carrots and celery. These plants will start producing in late winter or early spring. Plant onions and garlic too.

Add Bulbs: Some bulbs can go into the ground now while others need at least six weeks of cold storage (in a paper bag in the refrigerator) before planting. Ask your local nursery what to buy and plant in your area. Bulbs will begin to grow and bloom in spring. If you don’t want to go to the trouble of refrigerating bulbs, plant these varieties: amaryllis, calla lily, Dutch iris, freesia and watsonia. They can be left in the ground throughout the year.

Plant Flowers That Bloom In Fall And Winter: While the weather remains warm, plant flowers that bloom in fall through most of winter. These include chrysanthemums, sweet peas, ornamental cabbage, snapdragon, pansy, primrose and asters. Add mulch to the garden to hold in moisture.

Stay On Fire Alert: Since fire season is year round, winds and low humidity can easily fan brush fires in fire-prone areas. Be sure to clear weeds and brush around houses and keep landscaping near buildings well watered.

Reseed Lawn: It’s time to address the bare spots in your lawn. First, loosen the soil, add a substantial layer of cool-season grass seed and then apply a compost top dressing. Water thoroughly daily until the seeds become 1-inch blades of grass.

Clip Roses: Remove dead flowers and rose hips. Lightly prune. New flowers should continue to bloom through October.

Divide Perennials: Perennials such as Shasta daisies, sage, lavender and yarrow need to be divided every few years. If you don’t, they can turn brown and die in their middle. They will also produce fewer flowers. Divide during cool weather. Dig deep to pull out a clump of roots, separate the individual “crowns” or stalks and replant in soil containing flower planting mix.

Keep Watering: September and October can be hot, dry and windy months. Water gardens, shrubs and lawns as needed. Water in the early hours (between 6:00 a.m. and 9:00 a.m.). This is the most efficient time to water. Plants watered in the evening instead of in the morning are susceptible to fungus.

Remove Spent Vegetables and Flowers: Summer annuals are nearing their end of productivity. Remove these plants from your garden. At this point, they just attract bugs and rodents.

Hidden Gems in Southern California

Many tourists flock to well-known destinations in Southern California like San Diego, Disneyland, Los Angeles, and Santa Barbara. These are all great places to visit, but if you’re looking for somewhere different that’s a bit off the radar, check out the following incredible destinations:

The Channell Islands

My husband and I have lived in California most our lives, but somehow missed these spectacular islands that are classified as one of the U.S. National Parks. After seeing some stunning photos on the Internet, we took a short boat ride to Anacapa Island from Oxnard as part of a weekend anniversary trip.

If you decide to go, be prepared and bring supplies. This trip is for adventurous people in good physical shape. You will need to climb 157 stairs to the top of this rugged little island where there is no food, services, water, or flushing toilets. Now, I HATE outhouses, but I’m telling you – the views of the rocky shoreline, massive cliffs, and jagged peaks were worth it. You can easily hike around the rim of the island in just hours with Inspiration Point a grand reward for your efforts.

We visited in June when bursts of bright wildflowers covered the small island and thousands of adorable baby sea gulls were to be found around every corner. Just beware of their protective mamas who will swoop at your head if you get too close.

We returned a couple of years later and visited the larger Santa Cruz Island for an exciting kayak tour of the historic sea caves. On the boat ride there we saw a whale and two large schools of dolphins. The waters can be rough at certain points, but the caves were amazing. This was a once-in-a-lifetime experience.

Some people consider these islands desolate, but if you have an adventurous spirit and love nature, the Channell Islands are considered the Gal√°pagos of North America.

The Huntington Botanical Gardens

This is yet another stunning place that we failed to visit for decades. Located in Pasadena, the magnificent estate is home to more than a dozen spectacular gardens spread across 120 acres. Hard to say which garden is the most dazzling, but the Japanese Garden, the Rose Garden, and the California Garden are a few of my favorites.

We didn’t even get a chance to check out the art galleries. The Huntington Art Gallery, houses 18th- and 19th-century British paintings, sculptures, and decorative arts, and includes the famous Blue Boy. And to my shame as a writer, we did not visit The Huntington Library itself, one of the largest and most complete research libraries in the United States.

Next time.

Ventura County Wine Trail

Napa may get all the attention as wine country in California, but my husband and I enjoyed sipping our way through the coastal rolling hills near the seaside town of Ventura. We visited two of the nearly 20 wineries and tasting rooms.

You can book one of the many wine tours offered. However, we decided to get a map and explore on our own. Beginning in Ventura at the junction of Highway 1 and Highway 101, we drove up Highway 33 toward Ojai.

Surprises await on this somewhat lonely but charming road – from the “USA’s Smallest Post Office” to the last place anyone saw James Dean alive. Our favorite find was Old Creek Winery which felt like returning to a simpler place and time where friendly folk and dogs welcomed us. We enjoyed our purchased bottle of wine and a picnic outside on tables enjoying the Americana view.

By the way, both Ojai and Ventura are worthwhile stops with charming inns, luxurious spas, and bed & breakfasts along with a wide array of outdoor activities. In the summer time, the Ventura Harbor Village is a hubbub of activity with festivals and live music on the weekends.

Laguna Beach

This charming beach town is located halfway between Los Angeles and San Diego. With over 20 different scenic coves, this beach area offers everything from surfing, paddle-boarding, snorkeling, kayaking, and whale watching excursions.

Just beware, the surf can be rough in places. As a teenager, I decided to body surf despite the churning waters and wiped out on a massive wave (think Beach Boys’ song: Heheheheheheee wipe oooout!). Actually, I blame the Beach Boys for this entire mishap since they went and romanticized this whole surfer chick thing with songs I grew up on like Surfer Girl. SO their fault.

However, the scenery can’t be beat. Add ultra-chic restaurants and shops and one-of-a-kind art galleries and you get the picture. There’s even a Baby Boomer Club with Saturday Night dances. Every summer, they host the Laguna Woodstock where baby boomers party like its 1969.

Heisler Park is a good place to start, located just north of the main beach, with an easy half-mile stroll along a paved path with spectacular views of the coastline and the soothing sound of crashing waves. You can take one of the paths to the beaches and tide pools. Benches, picnic tables, and barbecues abound where you can enjoy the magnificent views. Hubby and I had a picnic on one of the grass areas and it was perfect!

Treasure Island Park is another great spot, located on the grounds of the five-star Montage Laguna Beach, where the truly rich stay. Exquisitely landscaped, several lookout benches line the easy-to-walk winding path. Stairways and ramps lead you down to the beach, where you can walk through a beautiful rock archway during low tide, find a spot in the sand for sunbathing, and a large tide pool. In addition, there is plenty of grass areas for a picnic. I’d suggest bringing some wine and cheese to catch a romantic sunset.

Big Bear Lake

I live in the desert, so nearby Big Bear is a great mountain escape with its gorgeous lake and pristine forests. Boating, fishing, and hiking are just some of the activities in this small, laid-back village.

Last summer, my husband and I cycled around the lake, enjoyed a picnic, zipped down an alpine slide, drove go-karts with speeds up to 30 m.p.h., and took a ride on the scenic sky chair for terrific views. After watching people take the chair lifts to mountain bike down the trails, we put this on our to-do list for next time.

For the adventurous at heart, parasailing and ziplining are also available.

El Matador Beach

Looking for a spectacular shoreline with white sands, towering cliffs, crashing waves, and craggy rock formations in a semi-hidden location?

Look no further than El Matador, located north of Malibu off the winding Pacific Coast Highway. It’s easy to miss the small, brown sign pointing toward the small parking lot at the trail-head, so watch carefully between Broad Beach and Decker Canyon Roads. Once you find it, be prepared to hike down a 150-foot bluff with the help of some steep stairs.

Not for small children or those who are physically challenged, but if you can make it down the steps you’ll be treated with breathtaking views. The locals know about this beach and you may see some photo shoots taking place – we did!

There is blissfully little to do on this small but glorious stretch of beach, so bring a picnic lunch or some wine and find a hidden nook to enjoy an incredibly romantic setting.

Redondo Beach

By now, you’ve probably noticed that my husband and I are beach bums. We found this beach on accident while looking for a nearby place to stay the night before flying out of LAX the next morning.

The Redondo Pier is a landmark with panoramic ocean views and water activities that include harbor cruises, seasonal whale watching, kayaks, paddleboards, and pedal boats. Truth be known, we didn’t try any of these out, but we loved the views from Tony’s on the Pier where we enjoyed Happy Hour!

The pier is also home to a 16-foot great white shark affectionately known as Georgette, on display in a large tank at Shark Attack on the Pier. If you have grandchildren with you or are young at heart, you may enjoy the semi-submersible yellow submarine (darn, now I’ve got the Beatles song stuck in my head) for underwater viewing of the local sea life.

Sure beats staying at an airport hotel if you’re flying to or from Los Angeles.

Catalina Island

This island is more well-known than some of my previous recommendations, but a sentimental favorite. My husband and I spent our honeymoon there 40 years ago and have returned several times. This is a small, quaint island, with no stoplights or fast food restaurants. A typical traffic jam involves two golf carts and a bicycle built for two.

On our honeymoon, we blissfully rode bikes around Avalon, went horseback riding, toured the famous casino, and sunbathed on the small beach. We also took a bus to Two Harbors, the only other village on Catalina Island. Snorkeling, parasailing, fishing, glass bottom boat rides, paddleboarding, Segway tours, golfing, and hiking are other popular activities.

Decades later, we sailed our boat to the island from Long Beach – which turned out to be one wild ride. My husband and grown children returned again for our open-water dives to become scuba-certified amid the famous kelp forests surrounded by the bright orange Garibaldi fish. Next time we visit, I want to try the new zip-line that’s 600 feet above sea level with one run that is 1,100 feet long with speeds up to 30 m.p.h. Wheee!

As you can tell, Southern California has so many great places to visit, it’s impossible to list them all. But hopefully I’ve given you some ideas to get you started!

California Motorcycles Lemon Law

Buying a motorcycle can be a really thrilling feeling. But your new ride can quickly go from being a beautiful dream to becoming a nightmare if you are immediately faced with repeated mechanical problems, safety issues, and repairs. After repeated attempts to repair it, you finally give up and conclude that you bought a faulty vehicle. This is typically called a “lemon”. The next question that comes up after that is “Will I get my money back?”. Do not worry, there are special lemon laws in every state, including California. If you live in this sunny state and you have sadly concluded that you bought a lemon motorcycle, read the following paragraphs.

First of all, you should know that there are many “lemon” attorneys in California and they are more than willing to help you solve the case.

California lemon legislation covers motorcycles. However, the law covering motorcycles, trailers, and boats is a bit different that the law covering automobiles. Under the California Lemon Law, motorcycles are covered by Civil Code section 1793.2(d)(1) which covers “consumer goods.” The lemon law covers consumer goods with a written warranty.

In order to qualify as a lemon, the motorcycle must undergo a reasonable number of repair attempts. If the problem(s) persist, then we have a lemon. Keep notes of all repair attempts and gather all repair bills. Then, provide all documents to manufacturer or dealer and ask for repurchase.

Furthermore, the defects covered for consumer products need not “substantially impair the use, value, or safety” of the product. The legislation was designed keeping in mind the safety of the rider. And even defects that may seem minor qualify a motorcycle for repurchase. Lemon law claims involving motorcycles stronger and easier to handle than automobile claims, due to the nature of the product and strong safety concerns.

As we said before, it is essential to keep track of all documents, notes and bills. It is also important to not waste time. You can only report a lemon within a certain time frame after you’ve bought the motorcycle, and only before your odometer hits a certain number of miles.

It is recommended to find a lemon law attorney when facing such problems. California Lemon Law requires the manufacturer to pay for your attorney fees. Motorcycle Lemon Law is a very specialized area of law that requires the experience and expertise of a specialized lawyer.

The Pass of the Oaks – Paso Robles – California

The city of Paso Robles is located in San Luis Obispo County in Central California. Famous for the 200 plus wineries covering over 40,000 acres of planted vineyards, there is a lot more to this unique region than the fermented grapes corked up in a bottle.

The full name of Paso Robles “El Paso de Robles” in English means “The Pass of the Oaks”… which is the essence of this article… passing through to the wonders that surround this enchanted enclave.

A Little Background

Paso, as the locals call it, is a relatively small, farming/ranching town with a population of about 30,000 people and is known for wineries, almond orchards and the production of olive oil, capped off with hot springs which was Paso’s original tourist attraction.

Paso Robles has a vibrant downtown area consisting of exceptional dining options, and eclectic shopping choices with something for everyone’s taste and imaginations. The “Main Street Association” is a very good source of information (PasoRoblesDowntown.Org) with their motto being “Where Everybody Comes Together”… and it is true.

Therapeutic Hot Springs of Paso

As in most travel experiences, it is the journey and the unexpected that leaves an indelible imprint in your memory. In Paso’s case it is the sometime pungent smell of sulfur that adds a little something extra.

The abundant thermal waters are known for their therapeutic and rejuvenate benefits and thus were a major attraction in the very early days of the town’s history.

The Salinan Indian Tribe was the original settlers of this area. In the early 1700s they introduced the newly arrived Franciscan Priests to the beneficial effects of the water. The Franciscan’s subsequently introduced the locals to farming, cattle ranching and… wait for it… wine making and vineyard cultivation.

Hot sulfur springs still flow through Paso Robles and are open to the public in three locations: River Oaks Hot Springs Spa, Franklin Hot Springs as well as in select guest rooms at the Paso Robles Inn.

A Special Treat – The Paso Robles Amphitheatre

The Vina Robles Vineyards and Winery has been in the wine business since 1996 and began hosting an annual Summer Concert Series in 2007. The combination of live music and wine under the stars proved so successful that they decided to create the Vina Robles Amphitheatre in 2013.

The Amphitheatre is one of the largest outdoor venues for arts and entertainment in San Luis Obispo County and offers a concert season that runs from April through November and features top tier acts from around the world and in all genres. The legendary Tony Bennett performing on a warm, starry summer night… 100 feet away… was a magical experience.

There is not a “bad” seat in the house and all at reasonable prices to accommodate everyone’s budget… general admission lawn seating to VIP boxes… all within 150 feet from the stage.

Tin City

When visiting Paso a must-see stop is on the east side of the 101 Highway. A group of entrepreneurial people created a collection of industrial warehouses known as Tin City.

Their objective is to showcase their unique creations such as small-production wineries, breweries, distilleries, cider houses and an amazing pasta factory and their new restaurant. You can watch them make the pasta as you enjoy eating their excellent entrees.

Parking is plentiful and you can easily walk the entire cluster of buildings set up in a two or three block radius. Of course a stop along the way may include an outdoor beer garden serenaded by a local band as you partake in a unique tasting experience.

Excellent Logistical Jumping-Off Point

Located on U.S. 101 and midway between Los Angeles and San Francisco this area makes a great destination for a road trip.

Paso is a strategic jumping off point with easy access to the scenery that made this part of California famous including the unique towns and villages such as Morro Bay, Cambria, Harmony, Cayucos and San Simeon… home of the magnificent Hearst Castle.

A Road Trip Back In History – Hearst Castle

California Department of Parks and Recreation manages more than 280 park units and this palatial property is considered to be one of the crown jewels in the system.

In 1919, Newspaper publisher William Randolph Hearst, along with architect Julia Morgan initiated the plans for the construction of a hilltop house on his ranch at San Simeon. With vast sums of money at his disposal, the “house” became a Mediterranean Revival estate which he named “La Cuesta Encantada” (The Enchanted Hill).

The history is also enchanting but by 1947 the project was still not finished. Unfortunately Hearst’s health became an issue and he had to leave his house… all 165 rooms on 123 acres of prime coastline property with gardens, terraces, and pools… but the house became a full-fledged castle all the same.

A picture is worth a thousand words or more in this case… for more insightful information and hopefully a journey to The Enchanted Hill… go to hearstcastle.org

A Road Trip to the Point Piedras Blancas Rookery

Driving five miles north from Hearst Castle, along one of California’s most scenic vistas leads you to a very unique destination and experience… the Piedras Blancas Elephant Seal Rookery.

The rookery spreads over 6 miles of shoreline with ample parking and easy access, as well as docents to provide information.

The viewing areas are open every day of the year, are wheelchair accessible, and free. No reservations required.

Summary

Paso is known for their wine and exceptional cuisine options, but in reality after a few tasting sessions your taste buds go flat. To get more out of your visit one should explore the many options of short day trips and experience a part of California that made the Central Coast famous.

After all, what is the hurry… be inspired…

© 2019 Inspired Travel Itineraries with Bob and Janice Kollar

Preventing Sexual Harassment in California

“Sleep with me if you want to keep your job.”

Does it sound good to you? What if you have been offered as such from your superiors?

In this modern times, it’s hard to believe that sexual harassment in the workplace still exists. Sadly, it is still happening. Whether you are in a small or big organization, there’s always the tendency of being assaulted at work without even noticing it. Some would even use their power in the office to get what they want in exchange for a job security. But what is Sexual Harassment? How can you tell if it is Sexual Harassment?

According to Wikipedia, sexual harassment is bullying or coercion of a sexual nature or the unwelcome or inappropriate promise of rewards in exchange for sexual favors. In the state of California, Preventing Sexual Harassment in California harassment cases tends to increase yearly. Based on statistics from California Coalition Against Sexual Assault (CCASA), California’s rape crisis centers served 31,790 survivors of sexual violence in the state during the fiscal year 2011-2012. In the fiscal year 2011-2012, 134,322 people received community education about sexual assault in the fiscal year 2011-2012. It is estimated that there are 8.6 million survivors of sexual violence other than rape in California. There are an estimated 2 million female victims of rape in California, 5.6 million women in the state have been victims of sexual violence other than rape. It is estimated that there are 3 million male survivors of sexual violence other than rape in California. Studies suggest anywhere between 40-70% of women and 10-20% of men have experienced sexual harassment in the workplace.

With the increasing cases of sexual assault in California most especially from Supervisors, the California Sexual Harassment Training as required by law is vital to superiors. Also known as California State Law AB 1825 which is part of the Fair Employment and Housing Act, first became effective August 17, 2007. The legislation mandates statewide sexual harassment training for any employee who performs supervisory functions within a company of 50 employees or more. Under AB 1825, supervisors must be trained within six months of hire and undergo retraining every two years. The new training, which goes into effect January 1, 2018, stipulates that training must include specific examples of such harassment on the basis of gender identity or expression or sexual orientation and that at least a portion of the training must be presented by trainers with knowledge and expertise in these areas. To make it easy for everyone, web-based training has been established in a form of webinar and E-learning. These training solutions are consistent, compliant and don’t take away from any employee’s valuable time. Online California harassment training courses are also easily tailored to meet your organization’s unique needs in compliance with AB1825. Failure to comply will result in lawsuits amounting to thousands of violations and fines.

To the victims who failed to stand up for their rights, there is still HOPE! Sexual harassment law offers strong protection in California. There are numerous consulting firms that offer free consultations on workplace harassment.

Just speak out and don’t be afraid of sexual harassment is never pretty!

Stay of Enforcement of California Judgment

A stay of enforcement of a California judgment is the topic of this article. Code of Civil Procedure section 918 is the California statute authorizing a trial court to stay the enforcement of any judgment but only for a limited period of time. For most California judgments such as money judgments the trial court can stay enforcement for no more than 10 days beyond the last date on which a notice of appeal could be filed.

A request for a stay of enforcement of a California judgment requires that the moving party file a noticed motion or more commonly an ex-parte application for what is known as a stay of execution of the judgment.

Any parties in California that have had a money judgment entered against them in California need to realize the vital importance of immediately seeking a stay of execution of any money judgment as soon as possible after the judgment has been entered. The reason for this is Code of Civil Procedure section 683.010 states that, “Except as otherwise provided by statute or in the judgment, a judgment is enforceable under this title upon entry.” This means that California law allows a judgment creditor to begin collection proceedings to enforce the judgment as soon as the judgment has been entered by the clerk of the court, in some cases that may be the same day!

In cases where the judgment creditor appears to be particularly aggressive and a party believes that they may begin collection efforts right away that party may wish to file an ex-parte application for a stay of execution.

The period of time in which the execution of a judgment may be stayed varies depending on whether the case is a limited civil or unlimited civil case and whether or not a notice of entry of judgment has been served by either the clerk of the court or any other party to the action. Therefore every case is unique and this is the reason there are several different deadlines for filing a notice of appeal for both limited civil case and unlimited civil cases. Examples of the different deadlines will be given below.

California Rule of Court 8.822 governs the deadline for filing a notice of appeal in limited civil cases.

For most limited civil cases in which the clerk of the court or any party has served a notice of entry of judgment on the defendant the deadline to file a notice of appeal is 30 days from the date that the notice of entry of judgment is served on the defendant.

For most limited civil cases if no notice of entry of judgment was served on the defendant the deadline to file a notice of appeal is 90 days from the date that the judgment is entered by the clerk of the court.

California Rule of Court 8.104 governs the deadline for filing a notice of appeal in limited civil cases.

For most unlimited civil cases in which the clerk of the court or any party has served a notice of entry of judgment on the defendant the deadline to file a notice of appeal is 60 days from the date that the notice of entry of judgment is served on the defendant.

For most unlimited civil cases if no notice of entry of judgment was served on the defendant the deadline to file a notice of appeal is 190 days from the date that the judgment is entered by the clerk of the court.

Although the trial court has the power to stay enforcement of the judgment whether or not a notice of appeal has been filed in the real world there are some judges who may only grant a stay of enforcement in the following situations:

The moving party had a judgment obtained against them through default and they have filed or will file a motion to vacate that judgment that shows valid grounds for vacating the judgment.

The moving party has already filed a notice of appeal or will file a notice of appeal and can show at least facially plausible grounds for appealing the judgment and the moving party can make a strong showing that they will suffer irreparable injury if execution of the judgment is not stayed.

The moving party should include a detailed declaration with specific facts and evidence detailing the irreparable harm they will suffer if a stay of execution is not granted and should also include any relevant documents as exhibits.

Possible grounds could include that the judgment was obtained by default and the moving party has filed or will file a motion to vacate the judgment, that allowing enforcement of the judgment will cause the sale of a key asset of significant value, would devastate an ongoing business or would likely result in insolvency or bankruptcy proceedings.

To view the text of any Code of Civil Procedure sections cited in this article visit http://leginfo.legislature.ca.gov/faces/codes.xhtml

To view the text of any California Rule of Court cited in this article visit http://www.courts.ca.gov/cms/rules/index.cfm?title=eight