How Do You React in a Crisis?

Sidebar: Are you trying to quit smoking, or do you know someone who is trying to quit? Enter my Vapor4Life giveaway to win an electronic cigarette kit and kick the tobacco to the curb!

In November 2008, I had my first and only (knock on wood) car accident. I had just picked Jayden up from my parents’ house after work on a rainy Thursday. On the way home, a deer ran out in front of me. I hit it at 40mph, skidded into a ditch, and my car rolled over. The first thing I became aware of, other than the fact that I was upside down in a ditch, was the sound of Jayden screaming.

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The Process of Selling Your Home Through a Property Buyer

The following is a guest post.

Property buying companies are becoming ever more popular as people begin to realise all the advantages that their service provides. Property buying companies offer quick cash purchases at a certain percentage below the assessed market value of the property. These quick sales avoid all the pitfalls of conventional sales including unreliable buyers, estate agent fees and months and months of stress and mortgage payments while you wait for your property to sell. But what is the process of selling your home through such a buyer?

Who Can Benefit from Using a Property Buying Company?

All kinds of people can benefit from the services of a property buying company, but those who require a quick sale - often within days - find them particularly advantageous. There are many reasons you might want to sell you property as soon as possible - perhaps you are getting divorced, or you have received an overseas job offers.

You may be in debt and want to use money from the sale of your property to pay off your loans. You may simply have seen the home of your dreams, and need to sell your current property to afford it. Regardless of the reason why you want a quick sale, a property buying company can help you to get access to your home equity in the smallest possible amount of time.

How does the purchasing process work when you use a property buyer?

Firstly, you will get in touch with the property buyer and talk to them about your property. They will need some information about your home such as the address, the postcode, what kind of property it is, whether you have conducted any improvements, and whether there is a sitting tenant. The exact information will vary from buyer to buyer, but they will be able to make it clear over the phone.
The property buyer will then research your property and the area in order to establish its market value. They may employ an independent assessor who will make a visit to your home, but this is not always necessary.
Then the property assessor makes you an offer. This whole process may be completed within 24 hours of your first contact with the company.

Working with a property buying company allows you to avoid much of the hassle and stress that is inherent to the traditional way of selling a property. The company will often be able to hire a solicitor for you, handle all the paperwork, and even pay the legal fees associated with the sale.

Three Tips for Managing an Empty Checking Account

The following is a guest post.

In this economy – heck, it can happen even in a go-go economy – it is not at all unusual to come up short in the cash department when there are bills waiting to be paid. This is not necessarily a matter of having been reckless in spending. Millions of people are struggling with increasing expenses and stagnant wages – or worse, formerly two-earner households are now single-earner families due to layoffs or divorce. They are working with a fragile balance of family economics, making just enough money to cover the monthly bills and basic expenses. But if there’s a surprise expense (ambulance trip to the hospital not covered by insurance, or a $1200 car repair), all bets are off.

So what does someone do under these circumstances? Well, the predictable answer is, “draw from your savings.” Except, there simply aren’t savings for many people. Those savings, if they ever existed, went to the last emergency. Another response is, “put that expense on the credit card.” Again, that doesn’t work. Millions of people have lost their line of credit with the major cards because all forms of credit are tightening. Simple rule of thumb: when your money is in short supply, your credit score goes down.

There are still some things you can do if you’re in this no-money-no-funny situation:

• Call creditors to talk through your situation – To a certain degree, you can work through your cash shortage pretty fast with one phone call. Every company handles this differently, but appealing to their sense of fairness sometimes yields a little grace on late payments. It costs little to try.

• Get a fast cash paycheck loan – Personal loans with poor credit are almost non-existent, but with fast cash loans based on your next payday, you can still get some cash in advance (this varies by state). Personal, fast cash loans are legitimately found online, making it a five-minute exercise done from one’s personal computer.

• Bite the bullet…with resolve – Sometimes, there simply is no other option but to run late on a payment. Unless it involves a service cut-off (e.g., losing your cell phone or cable/Internet broadband connection at home), it’s usually just a matter of paying a late fee. No one enjoys that, but it can be a reason to reconsider the necessity of certain monthly expenses – or the need to get a higher-paying job.

All options are by definition less-than-perfect. But be it through a phone call, fast cash personal loans, or just paying the fees, you can reduce the emotional stress of either by taking action as best you can and as soon as you can.

Vapor4Life Review and Giveaway! [CLOSED]

The winner (chosen randomly by Rafflecopter) is LITTLE HOUSE! Thanks to all who participated in the giveaway!

Disclosure: I received a free Vapor4Life kit in order to try the product for the purpose of this review. The winner of the giveaway will also receive a free kit. However, as always, this review contains my real opinions, not a bunch of crap I’m “supposed” to say.

The Review

When Vapor4Life approached me about reviewing their e-cigarette, I was super excited. I’ve been trying (unsuccessfully) to quit smoking for several years, and while e-cigarettes are NOT a smoking cessation device, they are a great alternative to tobacco cigarettes.

What are E-Cigarettes?

E-cigarettes, or electronic cigarettes, use replaceable cartridges to heat up a solution of nicotine and flavoring. The vapor from an e-cigarette has no odor, leaves no film or residue on surfaces, and helps smokers get a nicotine fix without offending others. Also, e-cigarettes save smokers anywhere from 50-70% each month when compared to the cost of tobacco cigarettes.

What’s in the box?

I received a base kit with 2 batteries, 5 of the cartomizers I selected (equivalent to a carton or so of tobacco cigarettes), a carrying case, a wall charger, and a USB battery that can be used while plugged in. I especially love the carrying case because I hate just sticking an e-cigarette inside my purse.

Why is Vapor4Life Different?

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