What Is PIP Insurance?

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Apr 102012
 

If you drive anything like the majority of drivers I see on the road, it’s a miracle anybody gets anywhere. Most drivers speed, fail to use their signal lights, follow too closely and accelerate through yellow lights, just a few of the many infractions I see every day. Maybe my town is worse for this because we’re all a bunch of inbred hicks. It’s a proven fact country folk can’t drive. Hey, there’s never any other traffic on the ol’ farm.

Considering all the crazies out there, you’re gonna want to make sure you’re covered. No, I’m not talking about you specifically – after all, we’re all better than average drivers, right? I’m talking about the nutjob driving the other car. He’s gonna pull right out in front of you one day, probably while talking on his cell phone to his unattractive wife. He’s gonna smuck your car up good, because he’s a farmer who drives a big-ass farm truck and you drive a little Ford Focus like a pansy.

But, all isn’t lost, right? That’s why you have car insurance. Sure, you might get hosed on the value a little, but for the most part insurance companies will pay out pretty close to what the car is worth. (Assuming, of course, that you purchase the part of the insurance that covers the value of your vehicle) That’s all fine and good, but what happens if you get hurt in the collision? Do you really think farmer Brown is really going to just mail you a big wallet full of $20s to compensate you for your time off work?

Enter PIP insurance.

It stands for personal injury protection insurance, and it covers all sorts of expenses if you’ve been in an accident, no matter who’s at fault. Even if you were the one texting, PIP insurance will cover the cost of all sorts of medical care. It’s no-fault insurance, so nobody really cares who was responsible for the collision.

What type of things does PIP insurance cover? It can cover a percentage of lost wages, as well as all sorts of medical expenses, dental expenses, ambulance transportation, any prescriptions (but probably not Viagra), and even funeral expenses in case Farmer Brown really hits you hard. Basically, it makes sure that you’re not going to get financially ruined by a bad car accident.

Not only does it protect you, but it also protects any passengers in your car, even your annoying friend. So even though you may want him to go through something unpleasant, he can at least be assured that he’ll be protected in case of an accident.

This insurance has been around for a while, and most car insurance companies do offer it. In fact, in certain US states, it’s mandatory. Like with any insurance, you can save money on PIP insurance if you just take some time and shop around. The interwebs make that easy.

Being in a car accident is stressful enough. Don’t add to the stress by having to worry about all sorts of medical related bills on top of everything else.

 Posted by Nelson Smith at 8:55 pm

A Great Mortgage Is Like A Hot Wife

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Mar 132012
 

You may not draw a direct line between good financial decisions and a great marriage with a hottie, but the same rules can apply to both. If you’re wondering what you need to do to find (and keep) a hot wife and a cool mortgage, here’s the truth.

You’ve got to make yourself attractive before putting yourself on the market.

Everyone wants a hot wife, but not everyone knows what goes into finding one. If you’re a lazy lump of flesh and bones, dates aren’t going to come your way fast and furiously. However, a padded bank account can make any man look instantly more attractive, and coincidentally, this is what mortgage lenders look for, too. To get yourself ready for the pickup game of finding a great mortgage, get fit financially. This means cleaning up your credit report by disputing any discrepancies and saving up enough money to put down a hefty down payment. While you’re at it, do some research on Canadian mortgage rates with Ratesupermarket to get an idea of what you should look for in a mortgage. Both of these actions can get you a better interest rate on your loan — and possibly a hottie or two.

There are plenty of fish in the sea.

One of the key components of any relationship, whether it is with your spouse or your lender, is finding someone who is compatible for you. If you’re looking for a hot wife, there’s meat market out there as vast and varied as the ocean. And if you’re searching for a great mortgage, there are several kinds of lenders to choose from, including your primary bank, mortgage companies, and credit
unions. Just think of your consultations with these officers as blind dates. Don’t sell yourself short because you have a lot to offer in the way of good credit and financial knowledge, but remember to ask plenty of questions to determine if one of them will be a good match for you.

You can set the pace.

Not looking to get hitched right away? Tell your significant other upfront so that you can enjoy each other’s hotness without a serious misunderstanding creating a bump in the road of your relationship. Mortgages work much in the same way; you set the pace by stating what loan term fits you best and then making regular monthly or bi-monthly payments according to how much you can invest in the relationship. Of course, it always pays off to go the extra mile sometimes, so bring home flowers every once in a while — or make an extra yearly payment on your home so that you can stay on excellent terms with your lending institution.

A hot wife just gets better-looking over time — and so does a mortgage.

If you have a wife that puts effort into her look now, she’ll likely age like a fine wine. Similarly, your mortgage can increase in benefits over time, especially when your home appreciates in value. Property and home ownership are some of the best investments that you can make because while you’re paying off your mortgage to the bank, you can make money off of a rise in housing prices at
the same time, particularly if you have a fixed rate mortgage.

It’s a give-and-take relationship.

If you have a hot wife, you have to bring something to the table as well, whether it’s having a smoking body yourself or being patient and kind. And when you go to make your mortgage deal with the lender of your choice, be open to these kinds of give-and-take negotiations. For example, the lender may be able to reduce or eliminate some of your loan contract fees if you pay interest
points in advance. Or you could get access to the best mortgage rates by making more than the minimum down payment.

And don’t forget to ask questions to find out what else your lender is willing to do if you meet him or her halfway.

 Posted by Nelson Smith at 6:17 pm

Borrow Money Fast! Payday Loans Save You In A Pinch!

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Dec 182011
 

I kind of am getting sick of the use of two or more exclamation points in posts. But we gotta cut through the clutter of some of the negative stuff you might read elsewhere. The exclamation point is a sure-fire way to tell you, “hey, this blog is about something you might be surprised to know.”

Or not. Perhaps the excitement punctuation is best backed up with points early on. So here I’m sharing with you reasons why a payday loan can be a smart idea for you and the people you know and love:

• You had an emergency – Something happened to your car. Or something happened to you. In either event, when things like accidents happen, you invariably end up bearing some kind of cost. When that accident leads to expenses greater than your current cash flow, chances are you will need to find extra cash somewhere. For people with jobs, that extra cash comes from payday loans.

• You need to visit a relative in hospital – Your mother who is a 90-minute plane trip away is very sick. You have no choice but to visit her. With a payday loan, you can receive the money in your bank account in about one hour or overnight, enabling you to travel quickly.

• Python/Pig problem with bills – When you get a bunch of bills at once, it’s quite like the pig that the python just swallowed whole. When you take a paycheck cash advance loan, it’s like chopping the pig into two or three meals: a lot easier to swallow in smaller amounts.

In each situation, you can lean on a payday loan lender to come up with the cash that you need for whatever your situation may be. Important to note, your situation is not something frivolous (think luxury vacations, “purchase opportunities” such as champagne on sale, or upgrading your smartphone when your current phone works just fine). Payday loans are for covering the most important obligations.

That’s exciting! That’s a great way to approach payday loans ! It warrants exclamation points! Yayyy!

 Posted by Nelson Smith at 10:34 am
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