3 Kids and Us

THINGS TO DO WHEN YOU SUFFER A TRANSPORT RELATED ACCIDENT

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Accidents can happen to anyone at any time.  It is not always in our control and it is a phenomenon really hard to avoid.  However, the first hour after the accident is necessary.  It is called the Golden Hour and though people are dazed and confused, taking critical decisions will definitely change your life and help you survive it better.  No matter where you suffer your accident, you still will be able to walk away with it with the least damage to yourself and your belongings.  This article will help you to survive and remain calm in the most dreadful of accidents and help you infinitely.

Check your injuries

For instance, if you are stuck in a wreckage because of a car crash and you just regained consciousness, first check how much injured you are.  If its a few cuts and scrapes and you can pull yourself out of the car, then do so. If you feel you have a broken leg or hand, then use your clothes to protect the area and get out.

Usually in cases of accidents, especially because of a car crash, a huge crowd will gather around, but none will seem to help.  Scream at a particular person you see in the crowd and tell them how injured you are.  That will rouse them into action and help them to get you into the nearest hospital.  People go into onlooker mode after an accident.  You will need to take charge of you are still capable of talking.  If not, raise your arms and legs wildly to signal that you are alive.

Check for communication

After you have managed to get out of the debris because of a car crash, the next step is to find out your mode of communication, aka the mobile phones. Call, text or inform your family members or friends who can help you in the hospital.

Check your important decisions

It is natural to be confused and dazed because of a car crash, butremembers, a little timely action will go a long way in helping you out of your problems. Get your Aadhar card, pan card, credit cards while you can so that post-accident you don’t have to spend long hours in duplicating them or reporting they are lost.  However, you should remember to do this only when you and the rest of the injured co-passengers are safe and awaiting a trip to the hospital.

Go by precedence

Check by precedence and send the most injured people to the hospital first.  Then the rest should go.  And keep all important relatives and friends informed who can actually save you in this time of crisis.

Surviving an accident because of a car crash can be harrowing and traumatic.  However the life post the accident has to be managed out somehow.  By following these simple steps, you can ensure to save the lives of your co-passengers and yourself and make sure you escape with minimal problems.

Before Kids, I Had Money!

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Financial planning for growing your family doesn’t have to be ramen noodles and antenna t.v.–there are plenty of ways to budget and save.

The timeless proverb “if you saved enough money to have kids, you’d never have kids” will always ring true for most Americans.

After all, kids “cost” roughly $250,000 to $745,000 to raise from birth to age 18–and that’s before college, whether you pay for it or help them make the payments. For most couples, this isn’t even a thought before lamaze class and putting together baby furniture. But when that baby comes, you’re going to realize just how much everything costs!

Your eighteen-year plan

Having children provides every lesson there is to be learned about preparation and moderation. Whether you’re budgeting how many diapers you have left before a box store run or cutting back on monthly expenses that are already cut back too much, your future is going to be there when you show up. Have a financial plan involving which parents are going to work or stay home, a monthly savings plan taken out of your paycheck, and selling off or eliminate long term financial commitments and get out of a timeshare contract or lease for the latest model car.

Consider moving–even if it means finding a new career

Yes, everything is cheaper somewhere–but at what cost? Consider several places you could move if you had to, and what kind of support you would have regarding day care, family visits, and personal happiness. Moving somewhere just because you can afford a house there won’t help your marriage or parenting if you’re miserable. But moving to a more affordable location near family could just be the best thing to save your wallet and junior’s college savings plan.

Renegotiate your debt as much as possible

Settling credit card debt and paying down college debt are two of the biggest factors in your credit score. Whether you’re buying that family van or moving into a bigger space for that second child, debt is going to follow you for the rest of your life if you don’t take charge now. You’re not going to win the lottery, and you may be making less in ten years, depending on the economy and the job market. So consolidate and pay off your debts now, whether you think your credit score will be affected or not. As soon as that baby comes, all of your time, energy, and money is going to providing for and protecting that child at all costs–and be sure that it costs!

Whatever your plan is, have a financial vision that is reasonable, fair, and one that always looks to the future. You’ll be thanking yourself in the future–and so will your kids.

The Different Loan Uses with Americor Funding

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Source

Americor Funding is a popular loan provider in this country and for good reason. Mainly, they are committed to offering superior customer service and to coming up with solutions to help people get out of debt as quickly as possible. One way in which they achieve that is by offering personal loans. These loans can be used in a range of different situations. Whether that is an opportunity to consolidate existing debt, to handle on of life’s emergencies, or to renovate a home, Americor Funding has the solutions in place that people need, when they need them.

Americor Funding Debt Consolidation Loans

One popular solution is the debt consolidation loan. This ensures multiple unsecured debts, such as store and credit cards, are bundled into one. The monthly payment is much lower than the combined payments on all other cards and the repayment term is much lower as well. Uniquely, Americor Funding offers their clients fixed interest rates and a set repayment term. This ensures people know exactly when they will pay and what they will pay for. Indeed, Americor never charges any hidden fees, prepayment fees, application fees, or early repayment fees.

Americor Funding for Home Improvement

Americor’s home improvement loans really stand out from the crowd. They have been designed so that people don’t have to tap into their savings to make their house a home. In fact, they don’t even have to touch their home’s equity in order to complete a project. Instead, they can repair or renovate their home as they see fit, increasing it in value.

If you want to remodel your kitchen, landscape a garden, or turn your basement into an extra room, you will need quite a bit of money. An Americor loan can provide you with that money just as you need it. Without needing to release equity or to refinance, you can buy new furniture, upgrade your kitchen and its appliances, set up a new home security system in your home, and so on.

Of importance is the fact that these loans are not home equity loans. With the latter, you use your home’s value as collateral for loan. Hence, if the value of your property goes down, you may not be able to get a loan at all, even if you otherwise qualify. Americor Funding looks at the credit worthiness of the individual, not of the property. This is also why, if you are accepted, the funds will go into your bank account, meaning you can use them as you see fit.

Americor Funding for Unexpected Expenses

Lastly, Americor is happy to help when people face an unexpected emergency. These emergencies are always hard to prepare for and most people simply don’t have the savings available to manage them. Americor provides emergency loans, however, that are perfect for these situations, whether it is a wedding of a long lost close friend or the death of a parent, a broken roof or a broken car. Help is out there.

Daniel Purjes on Understanding Fair Asset Division in New York

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One of the big problems with the forces is that there is often a lack of agreement on who gets to have which assets. Assets can be anything from a long-standing investment to pillowcases inherited from a favourite aunt. One of the reasons why divorce is often take so long to complete is because it is nearly impossible to develop an agreeable final list. Pick up any edition of the New York Times and you are guaranteed to find at least one main story about a bit of divorce and its terrible consequences. According to Daniel Purjes, this is in part due to the fact that New York is an equitable distribution state.

Daniel Purjes on Equitable Distributions in New York

Equitable distribution means that assets are not divided 50/50 by looking solely at their fair market value. Rather, a lot of other factors are taken into consideration on the court is bound by a number of established guidelines on determining this. Some of the factors that will be considered when dividing the available  marital assets include:

  1. The difference in property and income between the date the marriage started and the date of divorce filings.
  2. The age of both spouses and the length of the marriage itself.
  3. The needs of the child or children in a marriage and those of the parents with custody. For instance, they may have a need to keep the house in order to look after the children properly.
  4. Whether either party has or will lose an inheritance or pension as a result of the equitable distribution.
  5. How much was contributed by each of the parties in order to acquire the contested property.
  6. The potential for earnings each of the parties has.
  7. Any tax consequence associated with dividing the property.

There are strong arguments for and against the concept of equitable distributions. One of the main advantages is that it Focuses on situation rather than on monetary value. It also means people can lay claim to those items that have sentimental value irrespective of what they are worth in money. However, because some of the criteria that define value are quite esoteric in nature, the downside of this type of division is that it can become a long and drawn out process to identify who gets to keep what.

It also clearly highlights the importance of having a good lawyer on board who has an in-depth understanding of equitable distribution and who is also experienced in mitigating and mediating between the two parties. While a divorce can absolutely be amicable, there will always be a degree of bad blood, stress, and heartache, and it is all too easy to be driven by those emotions. A good lawyer will be able to recognise that and act in the long-term interests of their clients rather than two short term knee jerk reactions. Daniel Purjes believes that it is possible for both parties to come out of a divorce reasonably undamaged if they work with and listen to a very good lawyer.

What To Think About Before Purchasing A New Home

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Purchasing a new home is a major decision and not one you should take lightly or determine on a whim. It can be a drawn-out process, and there’s a lot that you need to think about, consider and contemplate before buying a property.

It’s worth your time and energy to find out what these aspects are and then sit down with your spouse and go through them one by one. Ultimately, you want to feel completely comfortable and confident in your choice to buy before you go through with the transaction and spend your money. Keep in mind that once the deal is done, the house is yours and you’re responsible for it from that point on.

Where You Want to Live

Think about where you want to live before purchasing a new home and identify the reasons why you feel this way. For example, this could be your chance to get a new job someplace else and move your family to a new city or neighborhood. Maybe you’ve had your eye on a particular area for a while and always pictured you and your loved ones selecting a home close to good schools and decent shopping. It’s important to thoroughly research various neighborhoods and know exactly what you’re getting before you move in, so you know you’ll be happy there and not regret your decision later on.

Features You Desire

Sit down and make a list of all the features you desire and then put them in priority order. This way you’ll know what to look for when you’re touring homes and narrowing down what you want to buy and can afford. For instance, it could be that you want a large finished basement or big backyard with a lot of land and privacy. Think this through and make sure you’re not settling for any house when you’re out and about and on the hunt. Be patient and wait for what it is you want so that you can truly be happy in your new house one day.

Your Finances & Credit Score

You’re not going to get approved for a loan or mortgage if you have a poor credit score and your finances are all out of sorts. Refer to a company such as Bonsai Finance to learn how to starting building up your credit today, so you come across as a more attractive homebuyer. Think about all the expenses that come with owning a new home and the amount of money you’ll require for a down payment. It’s better to buy a house you know you can afford than to make a purchase with the understanding that you’ll be living on an extremely tight budget from here on out.

If You want the Additional Responsibility

Owning a home is a huge responsibility and is a big commitment you’re signing yourself up for. Think through if you’re ready for this extra work and if you’re willing to put in the time, money and energy it takes to upkeep a home. Your weekends will now entail you making updates, fixing repairs and taking care of your landscaping instead of relaxing on the couch watching your favorite television show. It’s now your job to make sure the home you own stays in good condition and that you don’t let important projects linger for too long.

Working With A Trusted Realtor

You’ll want to seek out and find a trusted realtor who you can work with to help you purchase your new home. They have access to additional listings you can’t see on your own and will be able to get you into the homes you desire to check out quickly. Build a good relationship with this person and make sure they understand exactly what it is you’re looking for in your next property. A trusted and respected realtor can help walk you through the buying and inspection process and make sure you’re getting your monies worth and aren’t being ripped off. Listen to their advice and what they have to say before making any final decisions or commitments.

Your Future

It’s not a wise idea to purchase a home that solely fits your current needs. Instead, think about your future and what your requirements will be down the road. For example, maybe you’re thinking about starting a family and will need more bedrooms in the years to come. Keep in mind that you’ll likely be at this property long-term, so consider how your life might change going forward and if the home you’re considering will be a good option for you. Your goal is to make sure the house you’re looking at it could be the one for you and your family for years to come versus finding a quick fix.

Other Options

You don’t have to buy a house just because that’s what people do, or you see your friends and family members making the commitment. Remember that you always have other options such as staying where you are or renting a property. Think about if this is truly the move you want to make or if you’re happy with your current situation and don’t necessarily need to find a new place right now. If you aren’t in a pinch to relocate then take your time and go about the process the right way, so you don’t make any major mistakes. Check out new neighborhoods, determine if you think you’ll be at your job for the long haul and don’t rush into a commitment just because you’re feeling pressured to buy.

Conclusion

Buying a new home isn’t a decision you make overnight without putting any thought or effort into it. It’s a wise idea to think about all of these factors before you move forward with a purchase, so you feel absolutely comfortable with the end result. Be sure to consider all of the different variables and your options before you proceed and close on a house. You’ll thank yourself for doing so down the road when you’re living in a property you adore and can see yourself staying in for the future.

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We left our home in Sydney, Australia many moons ago in May 2012 and, other than a brief stint back in Perth for Christmas and a wedding in early 2014, we have been travelling the world nomadically ever since, running a business from our laptops and we’re here to show you how to do it!