The Importance of a Great Security System For Self Storage Units

Safety and security are two of the biggest factors in owning any business and this is so true in the realm of the self storage unit owner. When having the care custody and control and charging a fee for that service of many people’s sometimes lives in one storage center it is imperative that a safe and secure environment be first on the list.

Everything else can fall by the wayside if the entire premises are not locked down and secure from the thieves of the criminal element of the world. Humans will always want to get something for free, this is basic human nature, yet some will go to great lengths to acquire things that they do not own. This is seen every day in the amount of shoplifting in the amount of break-ins of self storage units throughout the country and the world for that matter. It is therefore important that a good security system through a reputable company is secured and kept up to date at all times.

The names of the security companies out there have not changed for years and include Sonitrol, Guardian, and a host of others that will protect the units and do it for a reasonable fee. In these trying times of the worldly recession the self storage unit owner is not immune to rising costs and more and more vacant units. This does not sit well for the bottom line or for the accountant for that matter or the business owner of the self storage units as safety and security are still the number one factors in owning any business but especially the self storage business. Gone are the days where a padlock and a chain wrapped around the main gate will do as the criminal element has grown more sophisticated in its raiding of unsecured or lesser secured self storage units.

A good example of a wonderful system is one that is run by a small self storage unit here in Jacksonville, Florida. The self storage unit owner has taken into account that the criminal element is now a savvy bunch that will stop at nothing to secure what they feel is their livelihood, other people’s property. With this said the first step is to make sure that the perimeter of the entire self storage unit premises is secured against outside intrusion. This could come from an eight or nine foot chain link fence that has razor wire or Constantine wire dappled on the top. This will at least thwart any night time raids and serves as a very viable option on the security side of the self storage unit owner. Secondly, once the fence is up and complete the next step would be to buy and purchase and install a lock for every single occupied self storage unit.

An inventory of an available lock should be kept onsite in the office with fluctuating prices for those who cannot afford the twenty to thirty dollar variety. And last of all the electronic security system that should be offsite maintained, and will not be cut off by snipping the main control panel. Thieves have now become very high tech in the robbing these units and this needs to be taken into consideration when deciding on the locks and security systems for these self storage units.

 

The Best Way to Purchase a Self Storage Unit Business

In this day and age of recessionary concerns and foreclosures both in the residential and the commercial market, it is a prime time to pick up on some good self storage business deals. The market is ripe for self storage units that are going under amid the weight of the continuing recession and the mortgage banking woes that are affecting each and every American citizen.

Just as the home mortgage meltdown has created an influx of foreclosed on properties that can be had for pennies on the dollar, this is also true in the commercial sector. When self storage units run into trouble they usually call upon the bank to repurchase the loan and if the bank does not want to go through with that deal then they are forced to put the business on the market for the highest bidder. This is where you come into play with a bid that is right below the maximum bid for like kind and quality self storage unit business in the neighborhood and more than likely the property will be yours.

This is not to say that you should drive the price down this is only to say that you would be doing them a favor, them being the business owner of the failed self storage unit endeavor and it will make their load that much lighter. What it takes is a glut of capital and this is not in reference to a few thousand dollars as it takes easily over fifty to one-hundred thousand dollars to even invest in any type of property that is suitable for a self storage unit business.

A quick check of the financials on the actual property that is up for sale will let you know if it is indeed a good deal or bad deal. What must be done is there should be a lien search conducted to see if any other entities have any other vested interest in the property before the sale or worse after the sale. If the lien is not discovered through the course of the pre-offer and then it is disclosed after the ink is dry on the contract then guess who is on the hook for the actual lien? Yes, that will be you and that will be on top of what you have already paid to own the property. It is still a great time to get in on the self storage business if you can find an adequate self storage business that has already gone through the growing pains and has at least a handful of clientele already on the books, as this makes the deal that much sweeter.

In summary, the best way to purchase a self storage unit business is to always be on the lookout for a great deal. The research can be on the Internet yet this should not be considered the end to the exploration, not at all. The good old ‘For Sale’ signs in the neighborhood are some of the best to address and with a little charm and honest-to-goodness sentimentality a great deal can be yours.

 

Invest in Self-Storage Units

The Sunshine State is well known as a vacation lover’s paradise but also has a very strong residential base and those people need places to store all their accumulated belongings. With the United States going from the larger overpriced but spacious homes to the more accommodating smaller carbon footprints of apartments and single-family residences, it only makes sense that self storage units are on the rise and this is a good time to be in the business. In order to buy a nice self storage unit business in the beautiful State of Florida one will need capital and also a bit of a working knowledge on how to run a business especially a self storage unit business.

Self storage businesses are unlike every other business in the fact that once they are set up and running they can be hands-off except for a few monthly visits for the owner himself. This does not mean that it should become a slum lord type of situation but this means that if one good person is hired to run and live on the property that is really all the hands on that is needed for the startup business of a self storage entity. There is a great argument about this and some say that a business owner should be hands on and always on the property in case anything breaks or something needs addressing, yet this is what the onsite manager is paid to do and paid well.

To put things into perspective of how nice it is to own a self storage unit business in the State of Florida let us look at the numbers shall we? Fine, for starters a one-hundred unit self storage facility with the adequate and varied number of sizes available on the market today runs for around one-hundred and twenty-five to one-hundred and seventy-five thousand dollars to outright purchase. This does not include any of the ‘re-sets’ that are needed such as new security systems, new locks, maintenance on the property, pest control, landscaping and underground piping and underground wiring that could be necessary before the” we are renting” sign comes out. The other factor that is an easy mention in the State of Florida, and needs to be addressed, while trying to operate and purchase a self storage unit facility are the permits. The State of Florida is well known for being a red-tape state which means that you may have to jump through a few hoops but those hoops once jumped through will be very lucrative in the end.

Always keep the end goal in sight and see the forest through the trees. Many of today’sĀ self storage unitĀ businesses generate a good load of income and require a little maintenance besides the occasional landscaping and pest control and lock change outs. Of course there will always be the normal utilities and the security center payments and the insurance and paying the employee or two if you need a maintenance man and an onsite manager yet these can be weaved into the actual cost of operations of the daily business. All in all any self storage unit business that is looked at in the State of Florida will be a very lucrative one and one that will bring in great dividends for the go-getter entrepreneur.

 

The Future of Self Storage Units in America

The future in the self storage units franchises are a very bright one in America today and this is for many reasons. The most glaring reason is that as we find ourselves living in smaller dwellings and see where we are running out of closet space at an alarming rate. There may not be enough places in the resident now to house all the things that we American consumers pile up although unnecessarily at times, yet still require adequate supervision so to speak. Once the garage door is open and things start spilling out it is time to start thinking about a self storage unit or some offsite storage facilities, so this makes it a perfect time to own a self storage owner in America.

Self storage units have been around since the fifteenth century which started in Paris, France with the first Frenchman who had become tired of tripping over the items that his better half was accumulating with nowhere to put them. This grew into a multi-billion dollar industry which now affects every town in America and is still on the rise as of 2009. There seems to be no end to the self storage unit facilities that can crop up over night and the tenants that are filling them since almost the entire country is going to a smaller residential platform.

This can be seen from the square footage alone in the paper or online newspapers for that matter with a normal one occupant dwelling being a paltry six-hundred square feet. To put that in perspective the same person trying to rent or own a likewise residential space would require over one-thousand square feet of under air living accommodations. That is a forty percent drop in the amount of residential space that is required for a single person and that means that these items need to be put somewhere. That somewhere is a self storage unit center and this is the prime time to be the owner of said business.

The future of the self storage units in America is a very impressive one indeed. From the smallest villages in the Midwest to the largest metropolises in the Northeastern quadrant the possibilities are virtually endless. The size really is of little concern when referring to the storage units in general with the only real important factor being the accessibility and the vacancy factor. There needs to be a very detailed demographically inclined survey done before the contract is signed and then it is too late. The only option after the contract has been signed and the money changes hands is to build more units onto the existing maxed out ones. That requires more capital much more capital and normally right after a huge purchase such as a self storage unit that is the last thing that needs or wants to be heard. So be good students and see the forest through the trees and do the footwork before the contract well before the contract.

 

Tenure in Manila Properties

There are as many types of housing arrangements in Manila properties as there are types of residential living spaces. Each type has a number of details that differentiate it from the others, and may offer advantages that will make it appealing to a certain part of the market. Manila real estate can be surprisingly flexible, and while some properties – high-rise condo towers in Makati, for example – are out of the reach of the average person, most housing tenures are accessible. Some of these apply to more than one type of housing property, such that a person who wants to buy an apartment in Makati might find he has more options than the usual available to him.

Owner occupancy is most common for those who are looking to buy a house in Makati, or any other city in the Philippines. This is usually the most desired, since the person living in the house is also the owner. As such, they have the right to alter the building and land as they see fit, adhering only to common sense, the Philippine building code, and any applicable regulations. This usually applies to houses, though it has experienced modification to accommodate other Manila properties such as apartments, condo units, and housing cooperatives.

Tenancy is most common among apartments, though it is not unheard of as an option for people who buy a condo in Manila. This usually involves some form of deed or title, and offers the advantage of a reduction in cost. Since the tenant only uses a portion of the space available, they are not required to pay the full price of the property. However, this also usually means they have to share with other tenants. The Manila real estate market has a large number of these Manila properties, including arrangements called bed-spacing.

People who buy a condo in Manila also have a different tenure than most homeowners or apartment tenants. The owner is essentially given control only of a limited area, usually extending only up to the walls of the unit or house. The common areas, cooling system, and amenities are still the property of the home owner and a fee will usually be charged for their maintenance. This fee is in addition to any payments made for the ownership or rent of the unit.

Cooperative housing is fairly uncommon in Manila real estate, though not entirely unheard of. This is a situation where a company or business decides to buy a house in Makati and proceeds to have it occupied by its own employees or shareholders. Note that this is limited only to occupancy, and the company still owns the property. This is usually an arrangement used by companies that need to provide living space for their employees, and the actual office building is not too far from the residence. This is not a particularly common practice in Makati due to the competitive market for residential Manila properties in the city, but can be found in cities such as Pasig or Quezon City, near their main financial districts.

The variety of Manila properties tends to match up well with the various types of housing tenure available. In many cases, however, the average buyer in the Philippines will find that many properties are strict about what types of tenure are allowed. For the most part, ownership and tenancy are among the most common, though condo tenure is also becoming prominent. Sometimes, the best thing that can be done is to search online for the best available properties.

 

Buying a House Or Apartment in India Today

Home loan values in India have began dropping, real estate costs have been soft for 9 so you must be marveling whether this is the correct time to purchase that apartment/flat or house in India. Price softening has encountered principally in external areas of metros, although the prices within the main cities like Mumbai, Delhi, Bangalore and Chennai have persisted strong. In fact, the prices in well popular residence areas in these towns are now way higher than what most occupiers in the city can yields. This has been chiefly due to famine of land in such neighborhoods while need has kept growing and rising wealth disparity in India.

External areas of metros endure from lack of security and infrastructure making it less magnetic for people to live in this locality. Therefore, a substantial part of money that has belonged into such locations has been capitalist money. Such positions are easily hurt by bringing down of needs because of interest rate hikes. Land titles persist a leading issue in India, excluding in areas sanctioned by local authorities. With great amount of individual equity money assaying large land conducts, price of large pathways of ‘clean titled’ land and apartments/flats constructed on them keeps moving up. However, unless need for such properties in external areas firm up, one can carry a dropping of prices here.

Substantial number of apartments in such large composites has been corrupted by NRIs and capitalists from outside the city, based on auspicious brochures. Unless you are capable to evaluate the land and constructor quality yourself, you are at risk always of being conducted wide by these promises.

As always, the great way to purchase property in India is to concentrate on areas sanctioned by the local agencies and within approachable outstrip to key city centers. It is essential to understand that how to come out your own mailing lists. With personalized and permit based email service you can yield more conducts and step up your response rates.

If you have a business on internet and appearing for fast ways to get through out to people then Email marketing should be one of the cost efficient solutions present today in the market.

Searching for an apartment can be a very time consuming and sometimes intense experience. Seeking to sort through all of the various apartment listings can be rather boring and determining which ones are really worth your while can be ambitious. Since many of us are carrying on with busy schedules, it is really hard to find the time to looking at dissimilar apartment listings and try to organize your schedule with the agendas of several landlords. Therefore, if you are expecting to modify the process while as well growing your chances of searching your dream house, it is a great idea to engage in the helps of a leasing agent.

 

Rent a Studio Apartment For Ease and Comfort

One of the most cost-effective and easy-to-use apartments which are well-liked by students, travelers and bachelors are Studio Apartments. Such apartments are gaining popularity as it costs less and requires minimal time for cleaning purposes.

So, if you are among those who spends most of the time outside or travels a lot to places like Florida etc, then choosing studio apartments on rent in Winter Haven is a good option!

Once you have decided to move to a studio apartment, make sure you arrange all the utility items properly so that you can have sufficient space to move around. Moreover, you will be able to have access to all the things at hands distance.

These apartments have become a necessity in today’s fast rolling world. One can easily fulfill their needs by paying reasonably lower amount of money without sharing the apartment with fellow-members.

Studio apartments comprise of living room, bedroom, dinning room and kitchen as one unit. So, using multi-purpose furniture is a great way to save a lot of space within the apartment. Apart from that, one can use curtains to divide the space which will give a neat and tidy look.

A well-planned decision will help you to choose the right type of accommodation for you and your family. If you are planning to rent an apartment, consider studio apartments which will not only help you to save money but will also be easy to manage and decorate.

 

Chicago Studio Apartments – Find Yours For Free! – This Free Information Will Help You

Are you looking for an apartment in Chicago? Do you want the process to be easy? Of course you do, so that is why this free information can help!

1.) Introduction

Do not get overwhelmed by the amount of apartments that are available. We can help you in this free article to find the best apartment for your needs. The best part is that this information is free. – Moreover, when you put this information to use, you will also find that the best apartments available in the city will be available to you for free! – Do not just go with what you find in an online listing, use a broker instead – They will show you more than what you could hope for with the online sites. They will do all the work and you get to show up to the appointment to find the best available apartments for FREE. – This process should not cost you a cent!

2.) Finding The Best Apartment For Your Needs In Chicagoland (For Free!)

Many people are students of some kind in downtown Chicago. Northwestern Memorial Hospital is close by as well as many Northwestern affiliated schools, like the Law School, for example. Perhaps you want to live by Navy Pier too. If you go to school downtown, or you work near by it is a very good idea to work with a broker who specializes in the area. – Many apartment finding services can provide you with an awesome apartment with no out of pocket expense for their service! – You should consider working with a broker.

3.) Why Consider Working With A Broker?

Some of the best deals are not found on free websites. We will not name those sites here, but what we will tell you is that the MLS provides brokers with the best possible way to find a great deal in the city. You will no longer have to find your way through a ton of different ads and get frustrated looking at apartments all the time coming up with only average results.

4.) Do Not Waste Your Time or Money

When it comes to finding an apartment, whether it is a studio or one bedroom (or greater) do not waste your time and money. Schools in the downtown area and business all have housing near by but it is not always easy to get the place you need just by looking online by yourself. Let a broker do all the work and you will end up being the one to enjoy the benefits of living so close to your school or business.

 

How to Rent an Apartment for Living?

Renting an apartment involves a lot of planning which can not be completed without investing time over it. You can begin by asking yourself the actual reason for hiring an apartment. This will help you to make up your mind to categorize your requirements in an apartment.

Whether you are hiring an apartment to avoid unnecessary home expenses or want an accommodation which is near to your school or work, a proper planning can help you to get good apartment on rent at affordable prices.

Once you are clear of your requirements for your apartment, you can actually begin to search for it. So, your list may include things like cost, location, security, furnished or unfurnished and other amenities that comes in one package with a rental apartment.

Generally, cost factor tops the list while looking for a comfortable apartment. So, it is always good to plan out your budget before you begin your search for an apartment. Other than that, location is also a crucial area which needs to be given importance while renting an apartment. Your apartment must be near to a departmental store, medical store, clinic or other essential things which is a part of your daily routine. This will not only save a lot of time but will also save monthly expenses over it.

You must also consider security of your apartment to make sure that your family members are secure in the apartment at odd-even timings. So, do thorough research of the apartment before signing a lease deal. This will help you to make the right decision and will enjoy a comfortable living in your new apartment.

 

Get Louisville, Kentucky Apartments In The Most Beautiful Vicinity

Louisville is a city in Kentucky; USA is one of the largest cities of USA. It is situated on the river of Ohio which is in the north central of Kentucky. The river connects two major places, Kentucky and Indiana. It has a population of 721,594 people in total. It is in the southern region of USA but it consists of various different cultures, that is southern and mid western cultures. Louisville is one place you can enjoy the best weathers of all times as it witnesses four types of seasons. The history of this place has seen a lot but currently has a very beautiful heart. There are very beautiful neighborhoods that a person can choose from if they want Louisville apartments for rent. If you want to buy apartment in Louisville, you can even get beautiful places with beautiful views.

Living in one of the Louisville, Kentucky apartments is like a dream. If you are leaving your city and shifting to Louisville and you are sad to move out of a very good locality, you need not worry as this is a very beautiful place where not many people get opportunity to stay. Also has a very beautiful night life. So staying here will be fun. If your budget suits you, you can even buy a nice house in the best neighborhood or renting an apartment in Louisville is very easy. You just need to list your needs and budget and you can get nice apartments on rent in Louisville.

Louisville is a place where every neighborhood is very beautiful with apartments or houses with gardens. You can choose from corporate areas and incorporate areas that is complete residential area. The highland neighborhood of Louisville has the best apartments of Louisville. The highland Louisville apartments can range from 1-4 bedroom apartments at a very affordable price. This neighborhood has everything you require shops, grocery markets, schools, parks, almost everything. It is more popular for its night life, restaurants and bars.

Another very well known neighborhood is the downtown Louisville. It is a corporate place which has a very beautiful neighborhood and a busy street. The main attractions of the place is the AEGON centre, the National City tower, the human building and the Kentucky international convention centre and many 5 star hotels. It may not be easy to buy a house or apartment in such vicinity but renting apartments can be a good idea and if you try you can get a good deal. Louisville apartments for rent in this area can be worthwhile as you can easily stroll on streets.

One of the most beautiful places of Louisville is the old Louisville neighborhood. This place has a historic feeling and that is the reason it is the best neighborhood you can ever find. This place has old mansions that are an attraction point for many living here. These big mansions have been converted into boarding’s and the neighborhood is preserved. If you want Louisville, Kentucky apartments, it has to be in this area. The apartments and houses here are Victorian houses which gives a very royal feeling. The main attractions here are the houses, St. James court art show, Kentucky Shakespeare festival and the Filson historical society.

There are some places that are purely residential areas like Bowman field, fairgrounds and the University of Louisville where you can easily find good Louisville apartments.

USA is a place where most people shift to for education or work. There are many places where anyone can pursue their dream and Louisville, Kentucky is one of those places. Shifting requires a lot, you need to do a lot of research and if you are shifting to Louisville it is important that you find good neighborhoods. There are many places in Louisville where you will find nice apartments that you can buy or rent, but before you buy an apartment in Louisville just go through all the neighborhoods and get a home that has all your needs very near to you. Choosing Louisville, choose the best neighborhood too.

Book Edinburgh Apartments and Explore Stunning Scottish Capital

A grand castle overlooks Edinburgh – the Scottish capital city, which has beautifully maintained its authentic Scottish charm, blended well with the unique modern appearance. You would certainly be tempted to explore this amazing city. Edinburgh, also known as Auld Reekie, is justly called “the Athens of the North” and if you are looking reasons for it, then you will find plenty of them. In Edinburgh, the medieval palaces share same space with modern architectural buildings. The city is speckled with best examples of Georgian architecture, Gothic churches alongside contemporary museums and galleries. Exploring them is totally an exciting experience in itself. And this wonderful experience can only be gained by booking one of the Edinburgh apartments and hotels.

The Old and New Edinburgh

First of all, we need to know what makes this Scottish capital so stunning and gorgeous. Located in the southern shore of the Firth of Forth, the landscape of Edinburgh boasts rugged hills and verdant valleys. The Georgian and modern architectural buildings dotting the landscape add more elegance to the Edinburgh city. It is for sure that, you would enjoy the scenic vistas from any of the apartments and hotels in Edinburgh.

The popular Old and New Towns, the most recognized towns of Edinburgh, have been designated the UNESCO World Heritage Sites. Some of the popular places of interest that you can visit during your stay in Edinburgh hotels and apartments include: the Edinburgh Castle, the Rosslyn Chapel (you must have read about it in the famous book “The Da Vinci Code”), Abbey and Palace of Holyroodhouse, Royal Botanic Garden and St Giles Cathedral. All these landmarks will best introduce you to the Georgian architecture of the city.

If you want to rub your shoulders with modern Edinburgh, visit the modern museums and galleries like Museum of Scotland, the National Gallery of Scotland and the Scottish National Gallery of Modern Art. Apart from all these galleries and museums, the shopping markets, restaurants, bars and pubs, let you know about the city and its people even better. You can look for Edinburgh apartments close to the Princes Street, George Street or to Victoria Street. This will give you the opportunity to enjoy shopping and fine dining, to the most, in your leisure time.

Book your Edinburgh Apartments

Edinburgh has the charisma to attract tourists of all ages and interests. During the festivals like the Edinburgh International Festival, the city receives thousands of people from around the world. While attending the popular festivals of Edinburgh, you can take the advantage of exploring the culture and history of Edinburgh. It would be wise, if you book one of the Edinburgh apartments or hotels in advance. Depending upon your budget, you can choose cheap Edinburgh hotels or apartments for your stay. The apartments in Edinburgh are known for providing extreme comfort and home-like atmosphere. You would indeed experience a remarkable time during your holiday stay at Edinburgh apartments. Make your visit to Edinburgh a memorable affair with your family and friends.

 

Stay in London Accommodations and Browse The Traditional Markets

Holidaying in the British capital is unquestionably a dream of every traveler across the world. The capital city of Britain houses several world renowned attractions that make it one of the most visited tourist destinations around the world. Buckingham Palace, Madame Tussuads Museum, Victoria and Albert Museum, St Paul’s Cathedral and Westminster Abbey are just a few names. As hordes of visitors plan trip every year, the capital ensures them comfortable stay by offering them a range of London apartments. Located in some of the best selling areas of the city and close to important transport links, these London furnished apartments are ideal for exploring iconic landmarks.

Apart from the attractions, London has several other ways to make your holiday visit wonderful. The city is also a shopper’s paradise and tourists can enjoy exploring the popular local markets, where they can haggle for things. Some of the areas that are worth exploring during your stay in one of the London vacation apartments include:

Brick Lane Market – Brick Lane is a simple flea market and you can get all kinds of weird and wonderful things. Bargain for your favourite things and then enjoy savouring tasty curry in the restaurants.

Petticoat Lane Market – This is one of the oldest shopping areas in the city. If you are staying in the one of the cheap London hotels close to the Liverpool Street Station or Aldgate station, then you can easily reach the Petticoat Lane. Thousands of stalls dealing in clothes and household things line up the lane.

Southhall Market – Until 2007, Southhall was the only place in the whole city where one could buy horse. However, today it has been replaced by second hand goods and furniture, Asian herbs and spices and fresh fish.

Walthamstow Market – It is the longest shopping street in England. The street is lined up with a range of shops selling fine fabrics, clothing, books and food stalls serving local English food to exotic Caribbean cuisine.

While staying in London furnished apartments, you can explore these shopping places and enjoy bargaining for various food and electrical products at best prices. This is one of the best ways to get familiar with the traditional facets of this British capital. Therefore, it is not only the attractions that can make your holiday wonderful in the British capital. There are many other interesting things to explore in this city that can add flavor to your holiday break.

 

How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.

The Process of Car Repossession – Understand It So It Doesn’t Happen to You

In a perfect world, things would always go as they should.

Sometimes that’s just not the case.

If you’ve found yourself in a bind or on the verge of falling behind on your payments. The best thing to do is contact your credit card, mortgage or auto loan companies and explain your situation.

Take action

If you have a car loan, you understand the importance of paying your loan on time. If you cannot make your payments on the exact due date.

You are granted a 30-day grace period to make a payment without having this late reported to the credit bureaus.

If you don’t think you’ll be able to make a payment before the 30-day grace period ends or foresee yourself being in a bind that will last longer than 30 days, there is something you should know.

Ignoring calls from your creditor is the wrong route to go.

*While you may feel embarrassed or reluctant to contact your creditor, you are not alone. Thousands of people fall behind on their payments due to financial hardships. The person on the other end of the phone is trained to handle these types of calls and will be more than willing to help you the best way they can.

What should you do?

Most car loans have a stipulation that allows you to defer your payments for a short amount of time while you get your finances situated. Other options besides deferment might be offered such as lower payments until you can make the full payment.

Your options will depend on your specific car loan and terms agreed upon at the time of sale.

If you are currently in good standing:

Call your creditor and explain that you’ve had some setbacks and ask about your options to defer your loan payment until you can make payments. This will usually give you about 2 months to catch up.

If you are currently not in good standing(late beyond 30 days):

Call your creditor back and explain that you’ve had some setbacks and would like to make a plan to catch up on your payments or defer a future payment. Ask about your options to defer your loan payment until you can make a payment. You will usually be asked to make your account at least current up to 30 days before a deferral can be granted.

How will this help you?

Car repossession doesn’t end well for anyone. Not you and certainly not your creditor. Once a car is repossessed, it is usually sold at an auction for a fraction of the cost. This is a lose-lose situation for everyone.

While your loan is in deferment you will not be reported late to the credit bureau as you have made an agreement with the company to pay at a later date.

The downside to this, of course, is that your loan agreement will be extended and you will end up paying more interest in the long run. This is, however, a better alternative to having your vehicle taken.

When can your car be repossessed?

It all depends on the specific car loan you have in place. You are usually considered in default of your loan agreement as soon as you miss a payment.

With that being said, you are granted a 30-day grace period. Some states allow cars to be repossessed after one missed payment. The longer you take to make your payment is one step closer to having your car taken and a serious ding on your credit report.

A repossession will remain on your credit for up to 7 years and hurt your chances of obtaining other car loans in the near future. Even after a repossession, you may still owe the difference between what you owed your lender and what your car was sold for. This is called a deficiency balance. A deficiency balance is usually the norm especially if you purchased a newer vehicle.

Please note that these options are for those experiencing temporary hardships. It is not recommended for long-term foreseeable situations.

All You Need to Know About 2 Wheeler Loan Finance

With growing demand in semi urban and rural areas, 2 wheeler industry is a high growth sector. The industry is estimated to be Rs.6, 000-Rs.7, 000 crore in size. This means there is abundant opportunity for 2 wheeler finance companies. There was limited awareness about financing for a 2 wheeler in the olden days but with the increasing penetration of financial institutions across the country, it has become possible to obtain 2 wheeler finance quickly and conveniently.

Getting 2 wheeler loan finance has become easy. The eligibility criteria, documentation requirement and the process has been mentioned below:

Eligibility:

Individuals above the age of 18.
Salaried individuals who have been employed for more than a year.
Business owners who are running a business for over a year.

Documentation:

Identity Proof
Address Proof
Income Proof
Valid KYC documents
Passport size photographs

Procedure:

In order to apply for 2 wheeler loan finance, the applicant needs to scout the market for various Banks and financial institutions offering the loan. Based on the terms and conditions of the respective financial institutions, the applicant should choose the one that suits his requirements. The application process is quick and transparent. The applicant needs to meet the eligibility criteria in order to apply for the loan. Further, the applicant needs to submit the application form and provide the required documents to the financial institution. The customer executives are friendly and will guide through the entire process of application. The application will be processed within 48 to 72 hours and the loan will be approved in no time.

It is advisable to seek a loan from a trustworthy financial institution. They offer flexible tenure and easy repayment options. With a low rate of interest and a flexible repayment tenure, purchasing a 2 wheeler has become quick and easy. Individuals with a positive credit history can get the loan approved quicker and are also eligible for the special schemes. Once the loan amount has been disbursed, it is not possible to change the tenure and amount, hence it is important to give the loan application a good thought and settle for a repayment tenure which is possible based on the monthly income of the applicant. Financial institutions offer customized solutions to the applicants based on their requirements. Depending on the type of 2 wheeler to be purchased, the loan amount will be sanctioned.

The applicant will only be required to pay a small amount as down payment and the balance can be converted into a 2 wheeler loan which is to be repaid in easy monthly installments. Upto 95% of the on road price of the vehicle is available as a loan to the applicant and the repayment tenure ranges between 12 months to 48 months. With the increasing demand of 2 wheelers across the country, Banks and financial institutions are offering loans which meet the requirements of the consumers and they also settle the terms accordingly.