Category Archives: money stories

Why an Online Short Term Loan Could be better than a Doorstep Loan

When it comes to bad credit loans, there are quite a number of options available for the borrower. Since many online credit brokers are offering these services to their clients, the important thing is to find the best plan that suits your requirements and financial situation. Some plans offer a total loan amount of up to £3,000 and even more, which can be paid back in regular installments spanning over a period of 36 months or 3 years. Then there are short-term loans that can be obtained instantly simply by filling out an online form. However, such a loan has to be paid back within 2 to 4 weeks. E ach type has its pros and cons and the borrower must weigh down the options in order to choose the best possible loan package that would help him or her get out of financial difficulties quickly and effectively.

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What Happens if You’re in an Accident Without Insurance?

The unthinkable has happened, you t-boned another car at a major intersection. Both vehicles are totaled, and the other driver is hurt.  If you could just turn back time, even 30 seconds, you would have put your phone down. That text message could have waited. You feel sick at the sight of the sight of the cars entangled, and even worse when you realize the other car was also carrying a child. You quickly check yourself for blood and injuries, when you hear the roar of an ambulance and fire truck pull up the scene of the accident.  You breathe a sign of relief someone must have called 911.  You climb out of your cars window because it’s too damaged to open the door, and are greeted by paramedics and firemen.

[Fast-forward about 30 minutes]

It was time to meet with police officers and officials to collect your information and to go over the accident. Again, for what feels like the hundredth time that day, you feel sick to your stomach. You remember you didn’t pay your auto insurance bill, and the company cancelled the policy.

It is moments like this that you realize why auto insurance is so important. It protects you from liability claims, it protects you from injury or death, and it protects your from other drivers without car insurance coverage. In the above scenario, since the driver at fault does not have insurance, that person is out of a car. If the driver were insured, insurance would have replaced that car. Because the person at fault was texting and driving, and the other driver got hurt the person at fault could get sued for negligence, for breaking a law, and be held responsible for the other drivers medical bills and car replacement. Since that driver does not have insurance, he or she could be out of a lot of money!

What if you get into an accident, and the other driver is at fault and does not have insurance (but you do)? Luckily that is where you insurance comes in handy. Your insurance will protect you from medical bills and will also cover the replacement of your car or car repairs.

Insurance is vital and it protects you. Of course nobody likes to see a monthly insurance payment come out of their checking account. It is even more irritating to see your bank account diminish from insurance payments when you’ve never needed it.  It the times of need: an accident, a cracked windshield, a tree falls on your car, you’ll be very glad you maintained your insurance. The monthly amount will be miniscule in comparison to the amount needed to repair a vehicle from a collision or damage.

Insurance gives you the assurance that you are covered and protected. It protects you and your assets from being sued. It may not always seem necessary because it is not used everyday, but it is. Protect yourself from loss and negligence of others. A car is your second biggest purchase in life. You want to be sure it is covered!

How to Save Your First $10,000

Studies have shown that most Americans have less than $1,000 saved and a very small percentage have more than $10,000. This creates a situation where a financial emergency can become a disaster. It is important to have an emergency fund for situations where you may lose your job, need to buy a new car or do major repairs on your home. An emergency fund of $10,000 is a good place to start in creating your financial security. But how do you save that amount of money?

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The Realities of Moving When You’re Retired

You’ve done it. You’ve finally retired, it’s a long cry from the time you started your first job. You didn’t know much about how, you probably changed your career once or perhaps twice, but you got there. You were dedicated, worked hard, paid into your pension, set up a family and finally you’re here. You’ve retired!

For many this is the dream. Seeing their family grow and getting to that point in their life where they no longer have the financial worries of once upon a time. And then something happens. Like many across the nation, settling down in a new, health friendly state becomes a dream. We are of course talking about the kind of retirement that sees you moving to the sunshine state of Florida.

Who wouldn’t want to. There are 300 days of sunshine throughout the year. Great beaches, great food and a great atmosphere for retirees.

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Our Money Truths

[su_note note_color=”#ecf298″]I have a million in assets, but am suddenly $17k in credit card debt. ~ Darcy[/su_note]

[su_note note_color=”#93d8a8″]I’m a mostly self-made millionaire who loves the feeling of being an entrepreneur. ~Miel [/su_note]

[su_note note_color=”#ecf298″]I volunteer my time and donate my money, probably more than I “ought” to, but being generous makes me feel alive. I long to be a professional philanthropist once I tap into my own wealth. ~Darcy [/su_note]

[su_note note_color=”#93d8a8″]I’m ambitious, frugal, and get what I want (or at least what I need).~Miel [/su_note]

[su_note note_color=”#ecf298″]At times I value time more than money, but I sure do love spending money in ways that express myself creatively and bring me bliss.~Darcy [/su_note]

[su_note note_color=”#93d8a8″]I’ve earned more frequent flyer miles than anyone I know, but I’ve traveled mostly for work, and look forward to finally travelling for pleasure. ~Miel  [/su_note]

[su_note note_color=”#ecf298″]I’m an Earth Mama, who votes with my dollars and is divesting from the carbon economy.~Darcy  [/su_note]

[su_note note_color=”#93d8a8″]I am grounded in my hippie roots, and so very happy to be back home in Oregon. ~Miel  [/su_note]

[su_note note_color=”#ecf298″]I am wholehearted, sometimes impulsive, and passionate about living my values. ~Darcy [/su_note]

[su_note note_color=”#93d8a8″]I’ve lived abroad in seven very diverse countries on six continents, and worked professionally in over twenty countries. I’ve loved traveling with an infant-sized ambassador, and am dreaming of finally going on a South African safari .~Miel  [/su_note]

[su_note note_color=”#ecf298″]I live an historic Craftsman, mini-mansion with epic views, a music parlor, library, no-so-secret room, theater, sun porch, and balcony (with an equally long restoration wish list) in awe-inspiring Astoria, Oregon. ~Darcy  [/su_note]

[su_note note_color=”#93d8a8″]I live in a beautiful Northwest Craftsman Bungalow in inner NE Portland, Oregon. ~ Miel [/su_note]  

[su_note note_color=”#ecf298″]Last year I manifested the house of my dreams, even though I hadn’t earned a salary in over two years. I work part-time hours that revolve around my yoga schedule, ever-growing kids, endless house projects, and plenty of family adventures.  ~Darcy [/su_note]

[su_note note_color=”#93d8a8″]I’ve been technically out of work for ten months, and supporting my family by selling off stocks.~Miel [/su_note]

[su_note note_color=”#ecf298″]I’m ready to bring in an astonishing income from simply being me and sharing my life and light. I’m ready to experience financial freedom, and not be a slave to the mainstream economy. I’m working toward balancing my work schedule to just a four hours day. ~Darcy [/su_note]

[su_note note_color=”#93d8a8″]I’m a savvy stock analyst who has made bank on a few strategic buys. ~Miel [/su_note]

[su_note note_color=”#ecf298″]The only money I’ve ever invested in the stock market was a $1k in ZipCar, which was bought by Hertz and tanked after they spent a ton of money on a new fleet. Lost over half it’s value. ~Darcy [/su_note]

[su_note note_color=”#93d8a8″]I’m a Global Super Mom. “Miel of All Trades.” Operations Specialist Extraordinaire. I get shit done. ~Miel [/su_note]

[su_note note_color=”#ecf298″]I’m more about keeping the family peace, living the good life and creating my flow.  If I had lived in the 60s, I would have overused the word groovy. ~Darcy [/su_note]

[su_note note_color=”#93d8a8″]It’s 11:11. There will be always be time for more money chats. Time for bed…Sweet dreams. ~Miel [/su_note]