Four Ways to Make an Emergency Loan for a New Car

In a world where there are almost more cars than people, it is absolutely essential that you have access to a working car. A working car gets you to work on time, allows you to enjoy activities with friends, and helps you get places on short notice. Not many people think about how important their car is until that car stops working, then it becomes an all-out crisis.

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When a car stops working it can mean a potential loss of income, and even a job. This is why it is important to get a new car as soon as possible. The following are four ways you can get access to an emergency loan so you can get a new car.

Online Lenders

Online lenders are a great way to get access to emergency loans. Unlike brick and mortar financial institutes, online lenders are open 24/7. This all day availability allows people to apply for loans at any hour of the day, and it takes just a few hours to receive loan confirmation.

A great example of this quick and easy online loan process is Plain Green Loans. Plain Green Loans provides personal installment loans for people who need emergency cash quickly.

Borrow Money from Friends and Family Members

Borrowing money from friends and family members is another way to get access to money that can help you with your car emergency. Friends and family members capable of lending money, might be willing to make you a personal loan for the amount that you need to get a new car.

Pawning Valuable Items

Pawn shops can be used as a way to get access to money that can be used for an emergency loan. When you pawn an item, the pawn shop will give you a loan for what they believe the item is worth. After money has changed hands, you will have to make regular payments on the loan, and if you pay it off in full, you can have access to the item.

Cash Advance on a Credit Card

Some credit cards allow you to take a cash advance out. The money can be used be used to pay for a new car, or whatever your emergency needs are at the time. Just remember, cash advances on credit cards sometimes carry extremely high interest rates. However, it is available if you need access to emergency cash.

Gaining access to a brand new car might not seem like an emergency situation, but it can quickly turn into one if you don’t have access to a car. If you don’t have access to a car, you could lose your job, not get paid, and face potential financial and medical problems as a result. These four options allow you to gain access to the money you need to purchase a new car, and hopefully avoid these emergency situations.

Seek Legal Help in case of Car Accident

Car accidents happen. That is why there are body shops practically in every town across America. These body shops are not getting rich on people just wanting to get their cars painted, they are making their money on fixing cars that have been in accidents.

St. Patrick’s Day Collision 3 of 4 (Photo credit: 7mary3)

If your car was involved in an accident that is not serious, you may think it is not a big concern and that you can just make a deal to take care of the damage with a hand shake. Truth be told, car accidents should be a primary concern, regardless of the damage. If you are not an auto body technician, there is no way for you to know the extent of the damage that may have been done to your car. For example, were you aware that the average price to replace a side mirror is over $300? That is one expensive hand shake.

It’s not only about cars.

In most car accidents, the cars aren’t the only ones to get damaged. The passengers can be injured, and whether or not the accident is your fault, the police should always be called. Having a police report is the first line of defense in these instances. Have everything documented. Depending on the damage and the injuries, you can then decide if you need to contact an attorney.

Seek Professional Help

You should seek legal help in the case of a car accident. Most consultations are free, and it certainly does not hurt to hear from an expert. In the case where one of the drivers is uninsured, legal advice is definitely needed. In the case where one or more of the passengers is injured, legal advice is definitely needed. If the accident happened in Bergen, New Jersey, a Bergen county car accident attorney has the expertise you need.

A lawyer who specializes in automobile accidents will know the ins and outs of the system. He or she can also help with referrals, knowing which body shops are the best to use, which ones cater to your particular insurance company. The attorney can also help with referrals to doctors who work with car accident victims if there are injuries. He or she should also be well versed in exactly what this accident will do to your insurance rates, as they are sometimes affected whether or not you are at fault.

There are so many questions to be answered when a car accident occurs. Don’t try to figure all out on your own. Having someone knowledgeable in your corner can help all the way around.

Legal Representation for Drunk Driving Cases

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Following an arrest or charge with drunk driving, the first critical step is to obtain adequate legal representation. Without an attorney, it is difficult or impossible to navigate the court systems of New York. An attorney can meet with you, hear the charges against you and the circumstances around your arrest, and take the necessary steps to bring you through the ordeal.

First Time vs. Repeat Offenders

A first time offender faces lighter charges than someone with one or more DUI convictions. If you have been convicted of driving drunk, it is imperative to get legal counsel. Fines and jail sentences are higher for repeat offenders, and having an attorney can save you a lot of money and drastically reduce your jail sentence. An attorney is your ally; you don’t have to face the situation alone. Laws punishing drunk drivers are stricter than ever before.

An Experienced Attorney

Someone who doesn’t work with New York laws for a living doesn’t know everything that New York Drunk Driving Attorneys deal with on a daily basis. This knowledge can save you a lot of grief. Find a lawyer who has experience in defending DUI cases. This attorney can navigate you through the system like only a seasoned professional can. The sooner you contact and secure legal representation, the better off you’ll be in the long run.

Finding the Right Attorney

It’s also important to get an attorney in New York, if this is where you face charges. Drunk driving laws are specific to the state, and each state treats the situation differently. The Internet is a good resource for local attorneys who know the judges, clerks and other court personnel who you’ll be dealing with. The lawyer’s website is often a good source for general information about drunk driving laws. It is also a great way to get a feel for the lawyer’s personality and their methods of conducting legal business.

Your Consultation

After choosing your attorney, schedule a consultation. The lawyer will hear what you have to say, examine all documents regarding your case and see any evidence against you. Then the attorney can begin building a solid defense for your situation. Show up for all your meetings and appointments on time. Absences and tardiness at depositions, court hearings and other legal formalities make the defendant look bad. During your initial consultation, you will also learn about legal fees and payment plans that are available to you.

Using Hand-free Cell Phones for Safer Driving

Hands-free cell phones are the best investment a family can make to protect their loved ones. Every decade, about half million Americans are slaughtered in road accidents, and in many cases, it is because of cell phones which distract drivers from the road.

In other giant regions with explosive, unsustainable birth rates such as the Indian-Subcontinent, China, and Africa, the fatality rates are in the millions. India has an estimated 900 million cell phone users and China has over a billion users.

Here are three features you need to know to ensure your safety with hands-free use of cell phones while driving.

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1. Wireless Bluetooth-Enabled Speakerphones

The wireless Bluetooth-enabled speakerphones can be attached to any car’s dashboard or cup holder space with relative ease. These speakerphones can be then linked wirelessly or with wires to your cell phone for hands free communication. A speakerphone is a must for safe driving since you do not have to lean back and forth to hear and repeat what you are saying.

In regions with high population density and bumper to bumper traffic such as the Indian Subcontinent and East Asia, every nano-second slices life and death moments. In such stressful conditions, hands-free phones with Bluetooth connections to speakerphones are an absolute necessity.

2. Voice-Activated Dialing and Incoming Call Alerts

Furthermore, your phone can have voice-activated dialing so that you do not have to look at your phone and be distracted from the road every few minutes. Voice-activated dialing and voice-activated incoming phone alerts are immensely helpful especially in congested traffic during rush hours.

3. Voice-Activated Texting and Navigation

Apps for Android smartphones, as mentioned in, have reached up to more than 200,000 and they all cater to different phone user needs. On many smartphones, voice activated navigation is readily available these days. One only has to say the address and the driving directions will be instantly relayed by the speaker for easy navigation and safe driving.

If you are in an unfamiliar area or driving to a new place while looking for apartments, a new yoga studio, or a baby doctor’s clinic, voice-activated navigation is perfect to ensure your safety. Similarly, there are voice apps which can alert you of an incoming text and inform you about the contents of the text. These apps are great features for a hands-free driving experience.


Hands-free cell phones are a global necessity, and smartphone users will reap better benefits by using them. With voice-activated speakerphones, dialing and call alerts, and voice-activated texting and navigation, driving will be safer, enjoyable and stress-free.

Don’t Let Financial Problems Stop You; Seek Help

All too often, we justify not doing something because it is too expensive. This could be anything from a watching a 3D movie to attending an old friend’s wedding across the country. These days especially, you almost feel guilty when you indulge or spend money on something that isn’t necessarily essential to your survival. Sometimes, though, those non-essentials can be a lot more important than you think.

Seeking Help During Emergency Situations

Life may throw a few curveballs at you such as medical emergencies or immediate home repairs that just can’t wait. There is no reason you should let financial problems force you to live in pain or dwell in a house where the conditions are miserable.  

Financing, such as Great Plains Lending online installment loans for example, are ideal for emergency situations and helping you get the financing you need for expenses that just can’t wait. Despite the tough economic times, these loans can help you out with some quick extra cash for medical emergencies, much-needed home repairs, or other unexpected expenses that just cannot wait till you have extra cash to spend.

There are plenty of people and services waiting to help you out during emergencies; you just need to reach out to them. Living a comfortable life isn’t impossible, even in the midst of an economic recession.

Saying “Yes” More Often Leads to a Healthier Lifestyle

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Oftentimes, denying yourself something because it costs too much can ultimately be an unhealthy decision. Fast food might be cheaper, true, but if you spend some extra time and money to make your own meals with fresh fruits, vegetables, grains and proteins, your body will thank you for it. You’ll feel better and live longer. Same goes for buying gym memberships or taking the time out to exercise. Both in the long run and in the short term, spending a little extra on your health is a fantastic investment.

Reward Yourself — It’s Good for You

Same goes for treating yourself and your children to something off your wish list every now and then. It’s easy to say that a vacation or new toy is way too expensive and not really necessary, but by treating yourself in moderation, you’ll experience an overall increase in mental and psychological health.

We often refuse life’s little extras because we don’t feel like we deserve them. This isn’t a healthy thought process. A few treats here and there can completely revitalize your spirit, giving you more energy during the work day and with your family. And passing up that wedding or family cruise might be something that you’ll really regret later. It’s hard to put a price on fantastic memories.

With all the bad news floating around, life’s too short to deny yourself and your children a pick-me-up that your brain and body desperately need. Take stock of your resources, and help yourself and your whole family live the life you deserve.

Rental Services Give You Options

Do you ever feel restricted when you’re on vacation because you don’t have your own car? Change that! The next time you fly to a far-off destination, rent a car for the duration of your stay.

A holiday car hire service adds many perks to your vacation. Here are just a few of note.

Freedom to Go Farther

If you’re planning on doing a lot of sightseeing on your trip, you should rent a car. While you can get around on foot or on public transportation, the convenience of having your own vehicle is unmatched. Public transportation costs money, and bus and tram routes of big cities can be very confusing. In addition, why be a slave to a train schedule? Buses usually come every 10 minutes or so, but miss the bus and you’re left standing in the cold for extended periods of time. Some forms of public transit only come every 30 minutes or every hour, so missing one of these takes a significant bite out of your touring time.

If you’re hurrying to meet the next streetcar, you may be rushing through your vacation and missing out on things you really want to see and do. If you rent a car, you can get from one destination to the next on your own timeframe, allowing you to stay longer at the museum you really enjoy or to get to the next attraction on the list before the show starts.

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Privacy and Convenience

If you decide to visit your family on your holiday, having a rental car gives you more privacy. The grandkids are adorable, but after a long day of peek-a-boo, you can hop in your rental car and take a scenic drive or head back to your hotel for some privacy. If the family decides to take a day trip, the car likely won’t have a few extra seats for visitors. Having a rental car will allow you to participate in these day trips by providing your own transportation.

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Renting a car takes the pressure off your family members when it comes to airport pick-ups. Since you are renting a car, you simply drive yourself to and from the airport; there’s no need for your daughter or brother to stay up until midnight to get you on your red-eye flight.

Using a holiday car hire service will make your trip easier on you and the people you are visiting. Why not explore your car rental options as you start planning your next vacation?

How to Reduce Car Accident Cases

Assumptions dominate the road: drivers trust their vehicles, certain all components will be forever reliable. They believe that engines can’t fail and machinery lasts. They swear that the latest — and supposedly most innovative — features will protect them from harm. The miles are then considered safe.


This breeds lazy driving, which leads to over 6,000,000 accidents each year. Almost 30 percent of the entire United States population is estimated to have been involved in a collision (at least once). The causes of such collisions are many — distracted driving, road rage, alcohol and more. Often, however, the most obvious reason is a feeling of security.

Modern technology (such as navigational systems, automatic seat-belts and emergency contact programs) creates a sense of certainty. Drivers think themselves immune to the common problems. This sparks poor decisions, however, and allows over 20 percent of individuals to ignore the basic rules of the road. They choose risky behaviors — illegal turns, red light rushes, focusing on cell phone conversations — because they believe they are safe. And this causes complications, many of which must then be solved with the aid of a Chicago accident attorney.

The simplest, and best, way to reduce collisions is to demand diligence. Training drivers to use safety features (instead of simply relying on them) is vital. Encouraging courses beyond the ones offered at the Department of Motor Vehicles provides necessary knowledge; and creating stricter punishments for those who make careless mistakes is essential. The laws must reflect the technology.

Filing Claims from a Vehicular Accident

No matter how minor the damage sustained from a vehicular accident, the hassle of filing a claim is anything but minor. Worse still if you’ve not had an accident in years and are not familiar with the rules for filing your claim.

Generally, the rules for filing a claim will vary from state to state. What applies in the East Coast doesn’t necessarily hold true in the West Coast. For example, state laws differ on their stance on mobile phone use while operating an automobile. Some states explicitly prohibit, others don’t.

Your best course of action when you need to file a claim is to find someone who knows the law. If you live in the San Jose area, then you’ll need a personal injury attorney San Jose has come to rely on who can help you with the details.

There are some things that required in all states. Here are the basics for dealing with an accident.

  1. Check for injuries. If anyone is injured, call for  emergency services. Failure to do so is generally considered an act of negligence that may be considered criminal. Also call your attorney as soon as you’ve called the ambulance.
  2. Get details. These include name, address, phone number, insurance company, attorney and vehicle registration number. You’ll need to provide the other driver with your details. It is a criminal offense to refuse to exchange these details. If the other party refuses to give details, take their registration information and pass it on to your lawyer.
  3. Get Photographs. Take them at the scene, and let the other party know you are taking them. This will prevent them trying to claim more damage than was actually done.

These are just a few of the basics needed. For anything else you should talk to your lawyer. They know what you need to do.

Saving Money While Hiring a Car Crash Lawyer

Driving in the state of Florida isn’t like driving in most other states. Florida is known for its retiree and tourist populations. Having such a diverse driving population means that there are many styles of driving. Some people drive too fast while others drive too slow and this can cause many accidents if you aren’t prepared or paying attention.

Having the right auto insurance isn’t always the answer if you get into an accident. Having the right personal injury lawyer Florida offers can save you time and money. Insurance companies are in business to make money, as is every other business. However, this means that they are looking to pay you as little as possible for your injuries and damages. Most people are not aware of what is included in their policy and therefore miss money that may be owed to them. The right attorney can sometimes keep points from your license, which will save you money on future payments to your insurance company.

Getting the initial free consultation with the attorney you choose will get you started after your accident. Most insurance companies have their own lawyers on staff and know how to get you the least amount of money  without breaking the law. If you have an attorney on your side as well, they will have to change their strategy. Finally, make sure that the attorney that you have will only charge a fee if you win the case. Most attorneys know if they have a shot at winning a case before they take it. This is a definite money saver as the fee will come out of the money that you win.

3 Factors that Cause Railroad Crossing Accidents

There are various factors that come in to play when a railroad crossing accident occurs.

Human Error

One factor is human error. Drivers who don’t pay attention to the warning signals, whether it’s a crossing arm, bells or signals, are at risk. Some drivers are distracted by cell phones or unable to hear warning whistles because of a loud radio.

Crossing signal issues

Warning signal issues can also lead to railroad crossing accidents. In some cases, the problem is the visibility of the signal or sign. In other places, there is no arm guard, which makes it easier for drivers to make bad decisions. Other issues include signals that aren’t operating and signs that can be obscured by glare during portions of the day.

Driver error

A third  factor causing railroad crossing accidents is when drivers try to beat the train. Their goal is to get across the track before the train comes. Sometimes, drivers even try to navigate their way around arm guards. There’s no way a train can stop in time if a vehicle ends up on the track just moments before the train arrives.

If you or a loved one are involved in a railroad crossing accident, contacting a car accident lawyer Chicago makes a lot of sense. A lawyer can offer guidance when it comes to dealing with a family member’s death, a victim’s injury or property damage.

Even though the chances of someone being involved in a railroad crossing accident is not high, with about 2,400 incidents reported yearly, being prepared is helpful. Insurance is another item that needs to be considered following a railroad crossing accident.

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