Get the Most From Your Self Storage Unit

Lots of people are using self storage facilities to keep excess possessions safe, provide extra space during a house move, or even as the headquarters of a small business. In these uncertain economic times they are one industry that’s definitely on the rise.

As with all things in life, you can use them well or poorly, and we’re here today with some tips for getting the best use out of your storage space.

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When you’re considering taking a storage unit, make sure you shop around, as you would with any other financial decision.

If you’re looking at self storage London has plenty of options, and even smaller towns have a few competing storage firms so you can make sure you’re getting the best option.

If your preferred option doesn’t have the best price (maybe it’s in a better location for you, for example) let them know you’ve found a better price elsewhere and you may be able to convince them to lose a little more off their bill to secure your custom.

Long Term

If you know you’re going to be using this storage unit in the long term – in the order of months and years, rather than days and weeks – discuss this in your initial negotiations. You may be able to secure special terms if you can guarantee you’ll be with the company over a long period. You’ll be offering reliable revenue to them for a long time, and that could be worth either a discount or an upgrade in space or your facilities.

Insure

Look into the insurance options offered by your storage company: if there isn’t a level of coverage included in the price, see if it’s available as an extra service and factor this into your budget. The purpose of a storage facility is to keep your items secure. If that should fail, you need to make sure someone can take responsibility for that.

Pack Effectively

Don’t just hurriedly throw all of your things into your storage bay and lock the door, however tempting that might be.

If you put some thought into your packing you can take the pain out of retrieving things from storage when you need them.

Hold back your most used items till the end so you can pack them nearer the door. It makes sense to pack the things you’re not going to want away at the back so they aren’t in your way when you’re trying to get to the things you use regularly.

Should You Consider a Late Retirement?

If you don’t have enough saved for retirement, a late retirement is probably the easiest way to catch up on retirement savings. A few more years of work mean much more money to invest at a time when you may be at your earning prime. Of course, inadequate retirement savings isn’t the only reason to keep working. Some people love their jobs, and can’t imagine retiring to a more quiet existence.

So should you consider retiring late? Here’s what to consider as you make your decision.

Benefits of Late Retirement

A late retirement means more time to save money, and less time spent with a fixed income. You may also earn delayed retirement credits through Social Security, which can mean up to an 8% increase in annual payouts. If you’re worried about pinching pennies in retirement, that’s money that’s hard to turn down.

Working into retirement doesn’t even have to mean staying at your current job. You might cut back to part-time work or become a consultant. If you have some savings, then late retirement might mean a more flexible approach to how you work.

Signs a Late Retirement Might Be for You

So how do you know if a late retirement is the right choice? Some signs that continuing to work could be in your best interests include:

  • You don’t have a compelling reason to stay home.
  • You’re in good health and are able to keep working.
  • You like, or can at least tolerate, your job.
  • You don’t have enough saved to retire now.

How to Avoid Late Retirement Penalties

Early retirement can cost you a lot, but there are no real late retirement pennies—aside, of course, from the gamble that you might not live as long as you hope. The one penalty you need to watch out for is the Medicare late enrollment penalty. You must enroll when you turn 65. If you don’t, you could pay higher premiums for the rest of your life. That’s money you could put toward your savings, and money you can’t afford to lose if you’re already worried you don’t have enough.

You Only Live Once

If you’re on the fence about late retirement, it’s time to get realistic about things. Talk to your spouse, your children, to other loved ones you trust, and to a retirement advisor. If you can make retirement work now, you might want to. You only get one life, and you don’t know how long you’ll have. You might be happier knowing you spent time with your family instead of toiling away at the office—but only an informed conversation can help you make that decision.

If you think you have enough money, one way to build a small extra pile of cash is through a reverse mortgage. Available to seniors over the age of 62 who own their homes, this option taps into your home’s equity to give you money. You don’t have to repay the funds as long as you live in your house and comply with the loan’s terms. The money can be used to start a savings account, as a rainy day fund, or even to help support your grandkids.

Working with Reputable Credit Repair Brings Better Credit Score In The Long Run

The one who is into bad credit days will always try to come out of the mire. They would opt for different sources that promise to repair their bad credit and turn their credit scores to positive ones. These are people who have been through bad days and wanted to grapple for some strong base under their feet. There are many companies now who actually work for repairing credit. These companies help you to do the things that will bring you out of the mess! You can also get inspired to check your bills to find some disputes and mismatches that are adding little to your huge bad credit.

Finding and reporting disputes

These organizations often charge you a fee and help to take off any negative scores and fees from your credit bills. There are some reputable credit repair companies who make way so that your credit history is better than before and you get on smoothly with your life and get ample time to pay off your bad credit. They will check your credit bills and will find if there are any information that are incorrect. You can report about these disputes to the credit reporting agencies by phone or by mail. The reporting can also be done online.

Contract with the company

These companies do not enjoy any rights on reporting disputes but they have their own working area. These companies are regulated by Credit Repair Organizations Act that is also called CROA. You should know the way these companies work. They must give you a written specification of the services that they may provide you. There is often a contract drawn by them and you must get time to go through the contract and understand it. You can also take suggestions from your friends or relatives before consenting to sign the contract. They will not advise you to make any false statements or claims that can place you in a guilty frame in eyes of law.

Working areas of the companies

There are many such companies that work to bring your financial condition in a stable stage. They will start work by pulling up your credit history and take note of the issues that are giving you the hassles. There are 3 credit reporting agencies who provide these reports and furnish data on your credit history. The company will identify the areas that need to be worked upon and then take up the supporting bills or other documents that you may have with yourself.

Longevity and reputation matters

The supporting documents help them to actually make the calculations of your bills and check the items against each head. They work on the Fair Credit Reporting Act – that often takes your side in this matter. The information in your report that is not accurate is thus calculated and taken off. Now the credit bureaus are approached and they should resolve the dispute within a period of 30 days. There are some reputable credit repair companies who work through the whole process and help you with the repairing of the credit history. When you are looking for the credit repairing company, you must therefore look for their longevity and reputation. You must also check the money back guarantee that they provide. These will help you to get the positive credit score by proper repair of it.

 

What to do when you are stressed

Every adult deals with stress at some point in another. Typically people go through ebbs and flows through their life where everything is good and at some points they can be tough and hard. When things are tough and you are struggling there are some pointers that can be used to help you feel better and get your through those trying times.

Exercise

It is a scientific fact that exercises helps with your positivity and stress levels. Exercise releases endorphins which is a chemical in your body that makes you feel good. The more you exercise, the more endorphins are released and therefore the happier you become. Stressed people find it hard to get themselves to the gym for one reason or another but even if you start out small (with something like a short walk) it can have many benefits to your day and overall lifestyle.

Sleep

Sleep deprivation is a serious issue that causes many complications. If you don’t get sleep, your body isn’t rested and you just don’t feel good. It can cause you to be more stressed, be physically and mentally ill. Sleep matters and it adds to the negative factors that create stress.

Keep busy

The one key thing to putting an end to your stress is to keep busy. The more busy you are, the more your mind is distracted from what is causing the stress. Pick up a hobby like reading, gardening, decorating, cooking, planning, etc. that can be a positive influence in your everyday life. Gaming, like Videoslots Welcome Bonus, can provide mental distraction for those who are stressed. Find your favorite game and check out for a bit to regroup.

Set Goals

One thing I personally find helpful is to set goals. Put a deadline or timeframe or goal into place and that way it will allow you to organize your thoughts so you are not all over the place. Sometimes we are worried about a million different things and it is hard for us to organize our thoughts and tackle them one by one. When you make a list and start checking things off the list then you will feel accomplished and less stressed.

Surround yourself with positivity

The most important thing about handling stress is to get rid of unwanted stressors. If you have friends or situations that are triggers for stress for you than it is easy as eliminating them. Only keep people in your life that bring positive vibes and positive outcomes to your life. Only do things that make you happy and don’t take on any unnecessary stress.

All of these things may be easy to put in writing but are hard to actually practice. Try going one by one and work on them individually to see if they help you with your stress management.

It’s Never Too Late to Fix Your Crappy Credit

It took until my 30th birthday to finally come to terms with my crappy credit score. I won’t say it but believe me… it’s embarrassing. It’s the result of bad decisions coming out of high school and even worse ones during my “party phase” in the mid-20s.

I had to do something — I decided to punch debt in the face.

Let the Simulations Begin

What got this journey started was getting real about understanding my credit score. I have tools like Credit Karma to thank for that which gave me a rundown of debts and scores.

The app has a debt/credit simulator.

I ran the sims using these criteria:

1.  Paying off all my credit card debt

2.  Making on-time payments for 1-year

3.  Opening a new card for $200 (a secured card would do the trick)

4.  Taking a small $500 loan (which my bank does specifically for credit boosting)

The sim was telling me I could bump my score back into the upper 600’s.

I suggest you do the same (running these sims) to help you plug in the info to a calculator and create a timeline for repayments.

Getting Things in Motion and Future Plans

The largest contributor toward paying debts was eliminating small expenses. I know, you’ve heard this before — it does work.

Being able to show control not only helps save money but it works with building better routines. This happens to lean toward doing better work and getting paid more – double win.

I basically eliminated all the following:

·  Ordering takeout (or really anything that wasn’t cooking)

·  Drinking (especially bar hopping)

·  Multiple trips to the store (thus saving gas)

·  Shopping at retail (Goodwill all the way for me now!)

This netted me an extra $300+ a month which as you can guess really helped pay down the debts. I could eliminate my Capital One balance ($1,600+) in about 5 months… nice!

But… there are much more to do.

I did my research and I think the next phase is to get creative with balance transfers. I took a look on CreditSoup and found a few offers that’ll let me do transfers with 0% APR. It would give me enough time using this $300+ a month to pay off other ones like old medical bills and some of the student loans.

The other two that will help are:

·  A secured card that’ll tack on good marks to my credit report

·  Using a credit builder loan that’ll also look good on my scores

I could, also, use this loan to do the “snowball effect” on my debts to get that nice boost in motivation and eliminate the extra dings caused by the monthly fees.

30 and Onward

You’re generally stuck with two options:

·  Cut out spending

·  Increase your take-home pay

I’ve already cut my expenses about as low as I could go without going insane. So, I need to bump up my income and the best way I’m finding is a mix of flipping stuff I’m finding at thrift stores and freelancing on the side.

There’s a lot of info out there about starting a side hustle – I encourage you to consider it because it’s not all that hard to turn your skills into money-makers.

Also…

I’ve taken to using high-interest accounts when I get “windfall income” (income you’re not expecting). I use Betterment to throw some money toward ETF’s which has been a decent return so far. It’s also letting me get an IRA in order – woo!

Punch? Nay, Uppercut Debt!

You’ve got decades of life to go – you’re not screwed even though you’re starting late. In fact, you’re probably sound minded when it comes to this stuff now. Take advantage of it and get back on track.

Believe me, if I can do it, then so can you.

Myths About Car Insurance

Everyone who owns or leases a car is basically in need of automobile insurance. The market for this product is huge and the options are basically endless. You can pretty much have as much or as little coverage as you need based upon your situation. Both the car you have and your financial situation are key factors into determine what insurance you may want. However many factors are also taken into consideration when insurance companies determine your coverage costs. So it is best to be sure to shop around when getting auto insurance quotes. Please take the following myths about car insurance into account when choosing your policy.

Your Credit is not a factor

As previously explained, there are many factors that are considered when pricing out your policy. A lot of people think that your credit does not affect you when it comes to auto insurance, but it does. Your credit reflects how you handle your finances so if you have good credit chances are you are responsible and will a.) be able to get a car and b.) get a better quote on your car insurance.

Bright Colored Cars Cost you

There is a myth out there that if you have a bright colored car that your auto insurance premium will be higher. The reasoning behind this is that the bright color will catch the eye of cops and they in turn will pull you over. This is simply a myth. Color is not factored into the cost of your coverage but the type of car (model, year, make, engine size, vehicle age, etc.) does.

Your insurance goes up when you are older

This is not necessarily true. You can get discounts for certain things like being retired and therefore driving less or having complete driving safety courses through programs like AARP. Most people think that the older you are, the worse of a driver you are. This does not necessarily ring true in the eyes of insurance companies.

Your Auto Insurance will cover you if your car is stolen/vandalized

When you sign up for coverage for your car there are different coverage options that you need to select. If you didn’t select Comprehensive and Collision coverage than you may be out of luck if you find yourself in this type of situation. You need to elect both of these coverages in order to be fully covered for any type of damage.

Please keep all of these in mind when shopping for car insurance quotes. They will help you select what is right for you and your family.

Transfer Money to Nepal With Ease – Basics You Need to Know

Do you want to send money to Nepal? Probably you want to send funds to your loved ones back home or maybe you want to remit money to Nepal to support an earthquake relief fund. Both the thoughts are noble and we are extremely glad that you think of people in need. Whatever the reason, it is always crucial that you analyze the mode of money transfer to Nepal, to check whether the option is safe, secure, reliable and quick. At times, you might need to send money urgently and it pays to know certain factors that help you choose the most competitive option.  Now, let us break down the steps involved in sending money overseas.

How To Send Money To A Bank Account In Nepal?

Step 1: Register Your Account

Compare the deals offered by different remitters in the industry. Also, pay attention to factors such as exchange rates, transfer fees and time of transfer. Once you have chosen your money remittance partner, create an account with the service provider. Ensure that you fill in correct details such as name, address, ID proof, who you are sending funds to and why. Once you have successfully created your account, you will be notified by your service provider via an email.

Step 2: Login To Send Money To Nepal

After registering successfully, you will receive a member ID and password. Whenever you want to transfer money to Nepal, you need to login with the given member ID and password to carry out the transaction. The user then needs to enter the beneficiary’s details such as name, bank name, bank account number, etc. Once done, the user can choose the amount that needs to be transferred and hit the send button. Money remittance to Nepal is easy but registering is the first step which you need to follow. Once you choose the amount, you will be ready for transferring money to Nepal.

Step 3: Transferring Money To Nepal

It is time to send money to a Nepali bank account. Once you click on the transfer button, the money is processed to be sent to the beneficiary’s account. When the funds get credited to the beneficiary’s account, you will get a notification through email or SMS, confirming the transfer. You can also track your transaction history from time to time.

Things To Keep In Mind While Sending Money To Nepal

You must properly evaluate all service providers on the following factors: exchange rates, speed of transfer, additional services and transparency, and go with the one, that offers the best exchange rates at minimum transfer fees. Opt for money transfer to Nepal at the best rate.

  • Make your choice on the basis of the amount you want to transfer to Nepal. For example, in case of large remittances, you can opt for Forex firms, as they provide the most affordable rates along with low processing fees. You can transfer money to Nepal at the best rates through these firms.
  • Always negotiate the transfer fees and processing charges with the service providers. This way, you will be able to avail the best possible deals while sending money to Nepal.
  • Make sure that you clarify the terms & conditions with the service providers in the very beginning to avoid any issues later.

With these tips, you are now well-equipped to pick the best option to send money to Nepal.