World Mental Health Day

Every 40 seconds a life is lost due to suicide.  Suicide rates are the highest in high-income countries and suicide is the second leading cause of death among young people.  These are deeply saddening statistics that I know we all wish were not true.  To increase awareness and promote a more collective effort towards prevention, The World Federation for Mental Health (WFMH) has deemed the theme of this year’s World Mental Health Day, on October 10th, as ‘suicide prevention.’  The objective of choosing this theme is to bring to light the severity of this issue and show that it needs to be a part of the global public health agenda.

Most suicidal individuals give off signals, or warning signs.  These warning signs can include; talking about suicide, self-loathing or self-hatred, self-destructive behavior, or withdrawing from others.  With that being said, it is essential to understand that suicides still occur without any warning signs ever being present.  This is where I believe each and every one of us plays a pivotal role in the lives of others, even those we may never even interact with.  I read an article a few weeks ago detailing a newly coined term ‘sonder.’  Sonder is defined as: the realization that each random passerby is living a life as vivid and complex as your own—populated with their own ambitions, friends, routines, worries and inherited craziness—an epic story that continues invisibly around you like an anthill sprawling deep underground, with elaborate passageways to thousands of other lives that you’ll never know existed, in which you might appear only once, as an extra sipping coffee in the background, as a blur of traffic passing on the highway, as a lighted window at dusk.

I like to tie in ‘sonder’ alongside the idea of positive reciprocity.  Positive reciprocity occurs when an action committed by one individual, that has a positive effect on someone else, is returned with an action that has an approximately equal positive effect.  The ultimate goal is that that positive light reaches someone who has been living in the dark for so long and feels as if they have nothing to live for.  You have the power to make a positive difference in somebody’s life – whether that somebody is someone you know or someone you will never meet.  We must never forget that it does not matter how dark a room is, the tiniest bit of light will always shine through.  It is only after a storm passes that a rainbow will appear.

It is in the darkest of times and the toughest of moments that we learn the most.  We learn not only about ourselves, but what we are capable of, and how strong we really are.  What is success without failure?  You can never truly appreciate the feeling of success if you have never failed.  The beauty of life is being able to wake up each and every morning with a fresh start.  We can choose to let what happened yesterday, good or bad, affect how today goes, or, we can leave the past in the past and look ahead.  You have new obstacles to overcome, new challenges to face, and new opportunities to look forward to.  Believe in yourself, always.  Good things don’t come easy, they never will.  Live in the moment – happiness is and always will be a choice.

I challenge everyone who reads this to perform a random act of kindness.  After doing so, I want you to understand that you may have just saved a life.  We are all in this together – everything we do, no matter how small or irrelevant it may seem, has the potential to have a profound impact on someone.

– California Residents: As of January 1, 2020, TitleMax of California, Inc., d/b/a TitleMax, no longer originates new loans in California. TitleMax will continue to service existing loans originated before January 1, 2020. California Finance Lenders Law License No. 603K014. Please see our California Resident Notice at Collection and Privacy Policy: Submit a Verified Consumer Request to understand what information we collect, disclose, or sell, to request that we delete your information, and/or opt out of selling by clicking Do Not Sell My Personal Information.

– In Georgia, TitleMax offers Title Pawns.

– Illinois Residents: As of March 23rd, 2021, TitleMax® of Illinois, Inc., d/b/a TitleMax, no longer originates new loans in Illinois.

– New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.

– In Nevada, title loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any title loan transaction. Ability to repay analysis with income documentation required.

– In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). Only one LOC account allowed per customer, inclusive of other lenders. LOC customers are subject to a periodic income (and collateral, if applicable) review/validation.

– TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax acts as Credit Services Organizations to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for details. Please see Texas Schedule of All Fees. TitleMax does not offer pawn loans or pawn transactions in Texas.

– TitleMax of Virginia, Inc. d/b/a TitleMax is licensed by the Virginia State Corporation Commission, license number VTL-11. As of January 1, 2021, TitleMax of Virginia, Inc., d/b/a TitleMax, no longer originates new loans in Virginia.

– TMX Finance of Virginia, Inc. d/b/a TitleMax Loans is licensed by the Virginia State Corporation Commission. As of January 1, 2021, TMX Finance of Virginia, Inc., d/b/a TitleMax Loans, no longer originates new loans in Virginia.

– TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.

1 Title-Secured Loans, Secured LOCs and Title Pawns: Maximum loan amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the Pledge max of $2,500 and Secured LOC max of $4,000. Minimum loan amount for title-secured loans in South Carolina is $601.

Must be at least 18 years of age (19 in Alabama). Account approval requires valid government-issued ID, a credit inquiry, and a motor vehicle appraisal. Certain other eligibility requirements and terms & conditions apply. Loan/LOC/Pawn amounts vary by states and product. LOC customers are subject to a periodic collateral review to maintain credit limit.

Proof of income documentation and ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah.

Refinancing is not available in Mississippi or Tennessee.

2 In-Store Personal Unsecured Loans: Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. To apply, bring in proof of income (dated within the last 30 days), active bank account details (dated within 45 days), proof of residency, a void check, a valid government-issued ID, and in AZ, a valid AZ vehicle registration in your name. LOC customers are subject to a periodic income review/validation to maintain credit limit.

Unsecured loan/LOC products not available in all stores or states. Minimum/maximum loan/LOC amounts vary by state; not all loan amounts available in all states. Max loan/LOC amount for first time borrowers is $1,000 ($500 in AZ). Returning customers with a good payment history may qualify for higher amounts, currently up to $2,500 in most states. Without SSN or ITIN: Max loan is $300. Certain other terms and conditions may apply.

3 Online Personal Unsecured Loans/LOCs: Must be at least 18 years of age. Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. To apply, you must provide proof of steady income (within 30 days), valid and verifiable bank account (statement dated within 45 days), a voided check, valid and active email address and telephone number, valid SSN, valid government-issued ID, and you must reside in the state in which you are applying (currently AZ, DE, KS, MO, MS, SC, TN, TX, UT or WI) and provide proof of residency. In AZ, must present valid AZ vehicle registration in your name. LOC customers are subject to a periodic income review/validation to maintain credit limit.

Minimum/maximum unsecured online loan amounts vary by state: SC min is $610. Maximum unsecured online loan/LOC amount for first time borrowers is $1,000. Returning customers with a good payment history may qualify for higher loan amounts, currently up to $2,500. Certain other terms and conditions may apply. Unsecured online loan products and amounts not available in all states. TN customers: Only one LOC per customer, inclusive of other lenders.

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