December 2017

In today’s world, it seems more emergency expenses come up than ever. Surprisingly, lower income families and even people in the middle of the middle-class spectrum are not the only ones who can suddenly find themselves short on cash saved up for a hardship situation such as a natural disaster or a medical emergency. Forbes lists many sources to borrow money that people turn to during emergencies such as home equity loans, credit cards, borrowing out of 401k funds or retirement accounts, or even in some extreme cases turning to high interest payday loans or vehicle title loans. But there are still other ways to borrow against your assets that at least may allow you to do so without losing your vehicle or home.

Pawning Valuable Items at a Pawn Shop

Pawn shops can be a good place to get loans on valuable assets you own. Now keep in mind they’ll need to be fairly valuable items to take out large loan, and even then, many pawn shops will loan out a very small fraction of their value including as low as 10℅. But you still could get quite a decent loan amount if you own some vintage items that go for high value in most marketplaces. But you should try and avoid pawning family heirlooms or other items that could cause relationship issues within your family if you end up defaulting on a pawn loan. You should also do your research and try to find brokers who offer competitive loan rates.

Taking Out Jewelry Loans for Valuables

One kind of dealer you may have come across if you’ve ever done a search for “pawn diamond ring” is a diamond loan broker. A diamond jewelry loan midwest, which is what these dealers offer is a better way to take out a loan against valuable jewelry because these dealers usually offer a more unbiased appraisal on the jewelry and will offer a higher loan amount for them. In fact, you may even get a loan-to-value (LTV) rate of up to 70℅ depending on what some jewelry lenders are willing to do. States often closely regulate these kinds of loans, sometimes even more closely than pawn shops so that fair terms are given to consumers. They also usually charge lower interest rates for diamond and jewelry loans than pawn shops, and usually have lower storage fees with even better security to protect your assets.

There is no right or wrong kind of loan to take out whether it’s secured or unsecured, though in most cases secured loans are easier to qualify for if you have bad credit. One thing to keep in mind is that most personal loans that are intended for short-term use have higher interest rates usually than loans designed to be paid off over a longer period. But even though long-term loans may be easier to pay off in some cases, they sometimes have fees for paying them off too quickly, so make sure whichever kind of loan …

When it’s time to move, you are always trying to think of ways that you can save money. Unfortunately, doing the move yourself instead of looking into moving companies Denver probably isn’t the best way to save a few dollars. Any time you have to move, there will always be a fair degree of stress involved not to mention a lot of hard work. By using a professional moving company instead of just renting a truck and trying to do it yourself, you’ll be able to avoid a lot of hassle and make the move smoother.

Reliable

You may think that you and your friends can handle the move yourselves, but sometimes people are less than reliable. Even if you are planning on just doing it all yourself, an injury like a pulled muscle can stop the process in its tracks and leave you in a bad position. When you decide to hire a moving company, they are legally obligated to fulfill their contract at the right time and know how to keep your items safe from harm.

It’s Faster

No matter how big your team of friends and family are, they probably don’t have the same time of experience as professionals when it comes to moving a household. They will be able to give you an estimated date and time as to when your move will be complete and they are motivated to keep that schedule. When you hire a good mover, you can save hours and sometimes even days in the process!

Avoid Heavy Lifting

Heavy lifting can cause injuries rather easily if it is not done correctly. Professionals are educated on how to lift your items in a way that keeps both them and your stuff safe. For some people with health issues, lifting many of these objects themselves would be next to impossible and certainly not safe by any means.

They’re Held Accountable

When you decide to move your home yourself, it’s your responsibility if anything turns up missing or broken. Professional moving companies are insured and will take accountability for anything that happens along the way with your property. This doesn’t just include the stuff that you are moving, it also includes your home and property in case anything is damaged because of the moving process.

Inventory Process

No matter how much time you spend packing and labeling your belongings, there’s almost always something that you just can’t find once you get to your final destination. A moving company can make sure that everything in the move is taken into account and makes it to your new home. It won’t be left up to you to make sure that everything is boxed up and has arrived safely.

Less Hassle

While your friends or family may have promised to help, things can change rather quickly when moving day approaches. By hiring the help of professionals, you don’t have to worry about people canceling. You know that the movers will be there and the job will be …