I’ve always been amazed by drums and drummers. I love seeing them play and even do the tricks where they twirl the drumsticks. I know that’s something I couldn’t do. I’d probably hit myself in the face or the drumstick would go flying off into the audience lol. So needless to say I don’t know a lot about drums or playing them but the tama starclassic woodwind brass looks like a dream instrument for any drummer. Not to mention it’s a beautiful instrument. It would be a welcome addition to any band.
The giveaway package includes:
Mickey Mouse Clubhouse Bowling Set $15.00
Mickey Mouse Baseball Cap $12.95
Mickey Mouse Shapes Water Bottle $3.99
Mickey Mouse Clubhouse Mickey’s Sport-y-thon $14.99
ARV: $46.93 Prize Pack
One of the most important investments that you need in life is a home. Once you have enough money to buy your own property, then you must be careful in purchasing one. There are different kinds of properties, depending on your budget and preferences. Hence, you have to choose one that suits you and your entire family.
If you live in Australia and you are planning to purchase a new home, you may check out the available house and land packages in Epping North. Definitely, these packages are made to fit your budget as well as lifestyle.
In case you are a first-time home buyer, here are some helpful tips that will aid you in choosing the perfect home for you:
Talk to the experts
It is best that you seek advice from the real estate experts prior to buying a new home. A mortgage broker will be able to help you out in explaining things properly and finding the ideal home loan that suits your situation. In addition, you have to work well with the agent, so as to carefully plan your strategy as well as meet all of your needs and goals.
Plan your budget
The most vital factor in buying anything is money. Thus, make sure that you have a budget when planning to purchase a new home for the first time. Your budget determines what type of property you can afford to buy. It is a good idea to stick to your budget when buying a property. Don’t worry because every budget has a corresponding house that sure to give you a property you can call your own.
Know your limits
Always keep in mind not to purchase whatever you cannot afford. Since it is your first time to buy a property, it is ideal to know your limitations beforehand. You can convince yourself that you can buy this certain property for now but you are to struggle for some years. But it is better if you already have the means and there is no need for you to wait for a big promotion at work or anything that might not actually happen. As a result, if you depend on these sorts, you are just making things harder for yourself.
Don’t believe in hype
Whether it’s positive or otherwise, not all the hype you hear is true. It is still important that you do your own research about your target community. You should not listen to what other people are saying, for they might not actually telling you the truth. In order to avoid these things, simply be a cynical buyer. There is nothing wrong about being cynical, especially these days. You just have to make sure that you investigate about the place thoroughly and find out something important about it.
Indeed, buying a new home requires a lot of effort, time, and money. Nonetheless, everything will all be worth it once you see the fruit of your labor come to reality. Just follow the tips mentioned above and you won’t be having a hard time deciding on buying your first ever family home.
I don’t usually post about financial things on this blog because I am no expert on the matter. However, in this case, I feel like I can keep others from making the same mistake as my husband and I have.
Let me start off by saying never, ever take out a title loan or a payday loan. I know it’s tempting especially when you need money, like yesterday. These companies are predatory lenders. They prey on people who are financially strapped. Over the years my husband and I have used several of these at one point or another. We’ve always paid them off. Of course the interest rates are outrageous. You pay double what you borrowed.
We have taken out payday/title loans because things have come up and we needed the money at the time for bills. I should add that my husband has a job where he gets paid hourly. Sometimes he has short weeks and doesn’t make as much. His checks can vary by at least $200. So it’s hard for us to budget. I’m not saying impossible, but difficult.
This is NOT a post where I want anyone to feel sorry for me. I just want to warn other people so they will steer clear from companies like this.
Back to the original story. My husband was supposed to go in on the 6th and pay it off, but it completely slipped his mind. We’ve had to deal with some things going on with my stepdaughter so we are a bit stressed. The manager of this particular title loan business called my husband this morning and they verbally agreed that he would come in on Thursday at 9:30 and pay the car off. Around 30 min later, someone drives off with the car. No knock at the door or nothing. My husband had to go find the car so he could get his work tools and badge out. He is then told he not only has to pay the car off but also the repo fee in order to get the car back. They told him he has until Thursday or they will sell the car. With the way they are doing business, I don’t trust that,but we won’t have the money until Thursday.
I did some legal research and found that in the state of Mississippi, a verbal contract is legally binding. However, when he told the manager this, the manager said it wouldn’t hold up in court. Oh how I wish I had an attorney friend who could call and tell him he was wrong. I am sure these places know the laws though and they probably skate just about what’s legal to get away with things like this.
I realize some of you are thinking “Man, they are so stupid.” or “I’d never do that.” That’s fine. This post is not for you. It’s for those who are thinking about using a payday/title loan service. These businesses know that once you get in that cycle, it is very difficult to every pay it off. That’s how those businesses thrive. I wish I had advice for those of you who are struggling financially and considering borrowing from these places. I would say borrow from a reputable source such as a bank. But when you have bad credit, that’s not an option. I would say the best option, if you need money to pay a bill, ask a family member and make sure you pay them back. I hate borrowing from family, but it’s better than getting taken to the cleaners by shady lenders.
Again, this post is not an attempt to get people to pity me. But if I can at least help one person with this post, then that is good enough for me. That’s what I want. In my opinion, these places should be shut down. Their interest rates are ridiculous and their tactics are less than honest. I don’t see how anyone with a conscience could own a business that takes advantage of people like that. I guess the love of money is greater than the love of people.