Essential Mobile Phone Tips

A mobile phone is a device which pretty much everyone should have in their arsenal, and it is something that also allows us access pretty much any computing tool we could possibly need out and about in our daily lives. If you have a mobile phone and you are looking to make the most of it, here are some of the best tools and tips you can use. 

Sharing data across devices

The first thing you will want to do on a mobile phone is share data. Whether it be an image or video, or a document to share with friends or colleagues: data transfer is an essential feature to take advantage of. There are many ways to transfer and share data such as through email and message, through Dropbox or Google Drive, or even via Airdrop if you have an iPhone. If Android file transfer not working on Mac, take a look online for some handy tips and then you’ll be able to make the most of this feature. 

Digitise your documents

Gone are the days where we print every single document out and file it in our cupboards. These days, the best way we can make use of our mobile devices is to create and edit documents directly to screen. Tools such as Sheets, Docs, OneDrive and OneNote can be used effortlessly on your mobile phone to allow you to make full word or spreadsheet documents no matter where you are. If you are a writer or someone who needs to work on the go, this is a helpful thing to do. 

Emergency contact

If you have an iPhone, the most important thing you can do is to add your emergency contact process to the lock screen. This is a clever feature which links up with the health app on your phone and will allow the emergency services to gain an insight into any health issues or medication you have if you are injured and unconscious. This is a feature you may not immediately know about but it could save your life. 

Control your computer with your phone

We all know the situation. You have left the house or the office, and you have just realised that you need a specific file or you need to shut down your device. This can be a huge annoyance, and to save you having to head back to the office to fix the issue, you can instead control your computer from your phone. Teamviewer is a helpful app which you can install on both your phone and computer, and it will allow you to access your computer via your phone if you are ever out and about. 

There are many amazing tips and tricks for using and making the most out of your phone, so make sure to take a look at these tips today and delve deeper into your phone settings to see if you can find something new. With these different features, you can make the most out of your mobile and utilise it for many things.

How Can You Save the Most Money on Repairs After a Car Accident?

Car accidents can be costly. In addition to getting treatment for your injuries, you also need to worry about your car, which may be your only means of transportation.

Even a relatively minor crash can cause major cosmetic, structural and mechanical damage to the vehicle. As a result, you may suddenly face expenses for a rental car, extensive vehicle repairs or a new car. The good news is that you don’t have to break the bank to get yourself back on the road. Here are a few suggestions to follow:

Review Your Insurance Coverage 

If another driver caused your accident, you can file a property damage claim against that driver in addition to your claim for bodily injury damages. Texas law requires drivers to carry at least $25,000 in property damage liability insurance. In some cases, an insurance company may offer to settle a property damage claim and even pay for your rental.

However, you will likely have to file a property damage claim with your own insurance company if:

  • The other driver’s insurance company refuses to accept liability
  • The other driver has no insurance or has insufficient insurance
  • A hit-and-run driver caused your crash
  • You were largely at fault for the accident.

You should review your own insurance policy as soon as you can after your accident. You will want to see whether your policy includes coverage such as:

  • Collision – This insurance will pay for the repair or replacement of your car, regardless of who was at fault. Still, you will likely need to pay a deductible. This coverage is different from comprehensive insurance, which covers non-collision vehicle damage.
  • Uninsured/underinsured motorist coverage – This coverage will kick in if the at-fault driver has no insurance, has insurance that fails to fully cover your property damage or fled the scene after the crash and cannot be located.
  • Towing and labor – This form of coverage pays only for towing your car if it is so damaged that it can’t be driven away from the accident.
  • Rental reimbursement – This coverage will pay for renting a car while your car is being repaired. If an insurance company declares your car to be “totaled,” and you accept the insurance company’s offer to pay you the actual cash value of your car, then you can expect the rental car coverage to end within a matter of days after you accept the offer.

If you cannot understand your auto insurance policy or have questions about it, you should speak with a lawyer. Many attorneys will handle a property damage claim in addition to handling a bodily injury claim.

Don’t Be Afraid to Negotiate with the Insurance Company

Typically, when you file a property damage claim, an insurance company will use one of its local “preferred” repair shops to estimate what needs to be repaired on the vehicle and what it will cost. The insurer will then offer to pay that amount in repairs, or it will declare the car to be a “total loss” if it finds that the cost of repairs is too close to the car’s actual cash value. However, you don’t have to accept the insurance company’s determination.

You can negotiate. For instance, you can ask one or more other repair shops to inspect your car and give you a repair estimate. If you disagree with the insurance company’s determination of your actual cash value, you can get written price quotes from local car dealers or other sources to show what you think is the right price. With this information, you may be able to negotiate a better deal for the repair or replacement of your vehicle than what the insurance company offers.

Talk with an Attorney Before You Talk with the Insurance Company

Unfortunately, insurance companies often take advantage of car accident victims. After all, they are in a for-profit industry. Often, an insurance company will contact a victim within days or maybe even within hours after a crash and make a settlement offer. If this occurs to you, then you should wait before you say or do anything with the insurance company. Instead, you should contact a lawyer.

An experienced auto accident attorney can review the facts of your case to determine not only liability but also the value of your potential personal injury and/or property damage claim. The attorney can provide a solid advice that is ultimately aimed at getting you the maximum amount of compensation for your losses.

The Biggest Benefits from Using Collateral Loans

There is a good chance that you need to borrow money at one time or another, just as many other Australians do. After all, Australia’s total household debt to GDP ratio is far ahead of many other countries, at over 120%. So, there are plenty of people out there thinking about getting a loan at any given time.

However, when the time comes to take out a loan will you make the right choice? There are several different options but there is no doubt that using your possessions as collateral is a move that makes a lot of sense.

Teen driver in car” (CC BY 2.0) by State Farm

A Fast, Slick Process

None of us wants to hang about waiting for a loan to be approved or for the funds to be released. This is one of the most frustrating things about bank loans, as they can take an eternity to be assessed and then drawn down.

This is where collateral loans can really save the day. Since there is nothing really to be assessed, the money is given to you a lot quicker. You might need it quickly for an emergency, meaning that this speed is even more vital.

You might not always need to borrow money in such a hurry. But there is no denying that it is a huge benefit when you just want to get things sorted out. Even if you aren’t in particularly in a hurry for the money, arranging it quickly lets you get it over and done with so you can focus on something else now.

No Chance of Being Rejected

The fear of being rejected for a loan is something that stops a lot of people from even asking for one. As well as being a bit annoying and embarrassing, this is also a huge waste of your time. You don’t want to waste precious time on this only to be let down in the end.

All of the effort that you put into applying for a loan will go down the drain in this case. Being rejected for a loan might also put you off the idea of asking for money from other lenders, even if you really need it for some reason.

The good news with collateral loans is that there is no chance of you being rejected. This is because they don’t assess your credit history, your employment or anything else. As long as you have a possession such as a car with no other loans on it then you will be accepted.

Get a Loan Whenever You Need One 

You might never know when you might need a loan. Life can sometimes sneak up on you with emergencies that require you to have more money than is sitting in your account right at that moment.

This is when it is good to know that you can get a loan sorted out speedily and with no fuss. You don’t need to put off this expense any longer than you should. You can also use the same item as collateral for a number of different loans at different times.

Sort out your loans in this way from now and you will discover that borrowing money whenever you need it becomes a lot easier.

Saving Money On The Most Important & Expensive Life Events

Life, if you want to live it well, can be costly. Happily, saving money on the most meaningful life events is possible. In fact, if you do the hard work ahead of time and learn what things cost and to save, you still do all the things that are most important to you.  You can even read our strategic tips on this topic in the post below. 

Getting a place together 

When you find that special someone to share your life with it often feel as if the next natural step is to move in together. Of course, this usually means getting a bigger & more expensive place, especially if you’ve only been renting a single room or living with your parents so far. 

In fact, the amount you can expect to pay for a home can differ wildly depending on the size and location of the property you want. To that end, you must do your research on the areas you want to live in before you start booking viewings. In fact, it’s also vital that you check your merged budgets to see how much you have available to spend on rent as well.

Image here

Although it is worth knowing that you can often negotiate a discount on the monthly cost unless you are in a very popular or expensive area. You can also save money by getting a furnished apartment too. You can even buy preloved furniture pieces or even ask friends and family for donations when you move in. 

You may even be able to save some money by buying a home rather than renting one. After all, they often cost around the same in monthly fees. While buying is also a great way to invest your money, and earn back a decent return over the long term. Something that can help you cover the other costs mentioned below 

Engagement 

Once they have lived together for a while, many couples decide to take the plunge and tie the knot. Of course, that means one person has to propose to the other, something that many people expect to come with an engagement ring. 

Picture source

To that end, whoever proposes should budget for the ring ahead of time. After all, it used to be that an engagement ring was meant to cost at least three months of wages! Although as you will discover in this post on budgeting for the perfect ring, this is no longer necessarily the case. In fact, it’s less about how much you spend now and more focused around the style that the other person wants. 

Luckily, this is something you can talk about well ahead of time. In fact, if the person being proposed to is happy with a vintage option, you may be able to keep the costs down even more.  Also, many couples are now deciding to go and look at rings together, making the entire process a lot easier. Although, when looking at rings, it does help to have a good idea of costs already. 

Marriage

The lifetime commitment that is marriage is often celebrated with a large party, something that can cost a vast amount. In fact, some USA couples spend upwards of $25,000 on their wedding day. The good news here is that there are lots of options that allow you to mark the significance of tying the knot without clearing out your bank accounts. 

One is to hold a smaller wedding because such celebrations are often charged per head. That means the fewer people you have, the less you will have to payout. Another option is to elope rather than get married in your hometown. Couples choosing this usually go alone, or with just a few members of their families, and so the costs involved are significantly reduced. 

That is not the only way you can save money on your wedding though. In fact, many people that want a more traditional big day choose to get crafty and make their own decorations and invites. The latter being something that can cost up to $75 per head, and isn’t even something directly related to the big day itself! 

Having a baby 


Picture

Another one of the most expensive life events is when a couple chooses to grow their family and have a baby. In fact, it’s not just the pregnancy and delivery care that will need to be paid for, but all the baby basics as well. Which often include things such as nappies, food, wipes, strollers, and cribs 

One way of ensuring that having a baby isn’t a life event that breaks the bank is to carefully work out a budget of what you can afford ahead of time. Something that will need to include maternity or parental pay for the person taking care of the child, rather than their full wage. 

Additionally, there are some smart choices you can make to keep the cost of having a baby down as low as possible. Of course, the first is to get medical insurance that covers the cost of pregnancy and labor care, as this can save you thousands of dollars right away. 

Next, don’t forget that breast milk is free. Then once Baby starts on solid food, making your own is much less expensive than buying the individual jars. 

You can even get essential baby accessories such as strollers and cribs preloved for a knockdown price. After all, people only use these for a very short amount of time when their baby is young. Something that means they are often fantastic condition, but cost a fraction of the price they would new. 

Summary 

In summary then, despite some of the most critical events in life being ones that could clearly empty out your bank account, they don’t have to be.

In fact, if you are savvy about planning for them in advance, and educating yourself on the costs involved, you will be in a much better position to find yourself a bargain. 

You can also use strategies such as making things yourself, buying preloved, and even getting donations from friends and family to help you keep the cost down. All why still experiencing the most meaningful events in life to the fullest capacity.

3 Ways To Make Money From Property

If you are keen to try and improve the amount of money you have, you will probably be aware that finding something to invest in is often the best way to go about doing so.

That much is clear, but what is often much harder to appreciate is what you should actually put your money in and when, and how you can expect to make it work out as well as possible for yourself.

One of the best kinds of investments is property, as it is a market a lot of people can get in and which is yet always growing, so you know you will be able to make money from it. But you need to know how you are going to approach it first – and as we will see in this article, you have a few options available to you for how you are going to do it.

Credit

Rent Out Turnkey Properties

If you want to make it as easy as possible, then you might want to look at the process of renting out a turnkey property. If you are thinking what is a turnkey property, then it’s actually very simple. A turnkey property is a fully refurbished apartment or home which is ready for you to buy and then rent out to someone straight away.

There are clearly many benefits to this way of investing in real estate, not least that it is one of the easiest methods and you won’t have to worry about the hard work of renovation or anything like that. Nor will you have to worry about the expense of it. If you have money and you just want to rent something out straight away, then this is one of the best ways to do that.

Long-Term Investment

One of the more lucrative methods of making money from property is to buy a property and let it sit there for many years, then selling it on at a higher price.

The main thing that you are going to need to be aware of here is that you are definitely buying and selling at the right price. That just means that you need to focus on paying close attention to the markets, and in particular to the local market in the area that you are trading within.

That will help you to work out when you should buy and when to sell, which is all you need to know how to do if you hope to make money from your property this way. You can expect to make a lot this way, as long as you are happy to wait it out.

Credit

Buy-To-Let

Or you can go for a more traditional kind of renting out, and think about buy-to-let.

With this, you might not be able to do it quickly, but you can hope to make money through consistent rent nonetheless, and you might even be able to pay a mortgage with that rent.

Then, once it is paid off, you can sell the property and make further money that way too.