Should You Pay Off Your Auto Title Loan With Your Tax Refund?

April 15th, the day Americans file their income taxes, comes faster than we know it. If you are one of the lucky ones who will be expecting a tax refund, you want to start thinking about how you will use that money. Without some sort of plan, you may risk spending it foolishly and needlessly. Using your refund to make an investment, pay off a credit card or auto title loan balance, or making a large purchase are all ways you can use that cash wisely.

Pay Your Property Taxes- It may not be the most fun way to spend but using your refund to pay your property taxes will cause you to smile in the long run. For many homeowners it’s tough enough just to pay the mortgage let alone a twice-yearly lump sum for property taxes. There’s no getting around this bill when it comes to owning a home. Paying now with your refund will prevent you from enduring a hit to your savings or having to borrow from a credit card.

Pay Down Your Credit Card Balance – Many of us know how easy it is to rack up credit card debt and how hard it is to pay it down. With the average annual interest rate on credit cards being around 14% and a mere 1% on a savings account, it’s obvious that paying down that balance on your Visa or department store card is wise if you plan on getting out of debt altogether. Keep in mind, retailers capitalize on the fact that consumers will soon have their pockets padded with that all too welcome check from the government by offering promotions and special sales in April. Don’t cave in by cashing that check and hitting the stores. Instead, use that check to free yourself of the debt that may be keeping you in financial bondage.

Pay Off Your Auto Title Loan – Auto title loans are there for consumers who are in need of fast cash in an amount larger than a payday or cash advance loan. These short-term loans can be hard to pay off though with loan amounts of up to $5000 that carry high interest rates and fees. Paying off your auto title loan will inevitably save you a great deal of money that would otherwise be spent on interest. It will also save you from the possibility of having your car repossessed should you not be able to make your payments and fulfill your loan obligation. Auto title loan lenders will work with you to make payment arrangements but this could cause a short-term loan to become a long-term financial burden.

Start Saving or College – Whether your saving for your children, or dream of going back to school one day, you can use your refund to get a jump-start on one of the best long-term investments you’ll ever make. The cost of college continues to rise but with a College 529 Savings Account, you can benefit from a tax-deferred investment for your child’s future education costs that will pay for tuition, room and board, books and other fees that are incurred during the college years.

Create an Emergency Fund – This idea is not the first to come to many consumers’ minds when that refund check comes in the mail but it may very well be one of the smartest. For many Americans today, a savings account is not part of their budget. When it comes to a major car repair, surprise trip to the dentist or other emergency expense, many of us are not prepared.

Having peace of mind when it comes to our money means planning ahead for life’s financial curve balls. Starting a “rainy day” savings account with your tax refund will ensure you have something to rely on when your wallet is stretched. You can’t put a price on financial peace but having a cash reserve will ensure you some sort of harmony in your finances.

Various Coverages Offered by An Auto Insurance Policy

In majority of the states in the country, keeping auto insurance policy is mandatory. Auto insurance policy provides you much needed protection against damages causes to you and your vehicle due to accidents. Here you pay regular premiums to the auto insurer and in turn the insurer compensates you for any kind of financial or physical loss due to car accident. Numerous car insurance companies are available at the market place and it is very easy to obtain auto insurance quotes. From the numerous auto insurance quotes, you can easily find the one which meets your requirement best and moreover which is within your affordability. Whatsoever, here we discuss the various coverages offered by auto insurance policy.

Property damage liability

Auto insurance policy provides protection to the damages that your car has inflicted on other’s property or car. Generally, property includes their car, but it could be a house, a fence or any other property damaged in an accident. This also provides you legal defence in case another party files a lawsuit against you. It is indeed an excellent idea to purchase such car insurance policy which covers property damage liability. However, according to the terms and conditions of the policy, it provides limited coverage.

Bodily injury liability

A good car insurance policy covers bodily injury liability. It gives coverage to the bodily injuries and death of other people for which you are responsible. This also provides you legal defence in case other people file lawsuit against you. Claims for bodily damages may include many things such as loss of income, medical bills or pain and suffering. If the accident is grave in nature, you may be willing to have enough of this policy to cover you against lawsuit, without losing your personal assets. This includes coverage to the people and not to the car. This coverage is mandatory in majority of the states.

Comprehensive coverage (other than collision)

It covers various damages to your cars such as if it is stolen, or if it is damaged by fire, flood or animals. Coverages under this is limited by the terms and conditions contained in the policy.

Uninsured motorist bodily injury

The uninsured motorist bodily injury covers you and other passengers for any type of bodily injury, damages or death, caused by another car which is not insured. If you have been injured but you are not responsible but the other driver is responsible and the other driver does not have any auto insurance policy, then this policy covers the medical expenses. The parties covered by this policy include the policyholder, passengers and other drivers covered by the policy.

Personal injury protection coverage

It covers the policyholder, policyholder’s relatives in the same household, passengers and other authorised drivers. It also provides protection to the policyholder and his/her family members if they got injured while riding in the car of someone else.

Whatsoever, it is very important to have a proper auto insurance policy, whether it is mandatory in your state or not.

Choosing Fireplace Accessories

If you have decided to have a fireplace in your home, you may already have formed an idea of the type that you want to have. Barring electric or gas-fuelled ones, any other kinds of fireplaces will need accessories that need to fulfill different functions such as holding the logs or coals, tending to the fire, protecting the rest of the room from embers and cleaning out the debris once the fire is out. This is true for both indoor and outdoor fireplaces. The kind of accessories that you need to have also depends on the size of the fireplace. There are a wide variety of accessories available that can be functional and decorative at the same time. The right fireplace accessories can have a dramatic effect on your home decor.

Here are some of the accessories commonly required for fireplaces:

Grate: A grate is a metal rack used to lift the fire off the floor of the fireplace. This helps in allowing air circulation from under the coals or logs to be used for the fire, so that the smoke is blown towards the chimney. The grate design that you need will be based on the fuel that you use in the fireplace.

Poker: A poker is a long metal rod with a sharp end and a hook that is used to adjust the position of burning wood or coal. The size of the poker and the metal used will depend on the size of the fireplace.

Tongs: Tongs are used mostly for handling burning coal, although they can be used with burning wood too. These days, tongs come with silicone tips that allow you to handle them at higher temperatures.

Fireback: A fireback is a thick piece of iron customized to fit the back of your fireplace. It serves a dual purpose as it can be used to increase the efficiency of the fire and protect the fireplace against damage caused by logs splitting during burning. In addition, a fireback can be decorative and improve the appearance of the fireplace.

Screen: Fireplace screens are decorative panels meant for protecting the room against excessive heat from the fire and to cover the fireplace aperture when it is not in use.

Although it may seem like you need to get a lot of accessories, optimal functioning of a fireplace is possible only when you have the right ones, as they can ensure the safety and cleanliness of your home. Be sure to assess your needs correctly when you shop for accessories and keep your fireplace dimensions in mind. Accessorize your fireplace to get the most out of it.

Las Vegas Rental Cars – Luxury on Wheels

Each year hundreds of thousands of people visit Las Vegas, Nevada for business, vacations or to attend or take part in a wedding. People come to this exotic city for excitement whether they want to gamble, shop or see some of the best entertainers in America. Las Vegas has it all and it has a unique style. Traveling in true style in this glittering city means choosing an exotic rental car company where you can choose from the top luxury vehicles like Aston Martin, Hummer, Mercedes, Cadillac, Porsche and many more.

There is nothing more interesting and fun than driving down the Las Vegas Strip in an exotic car like a Ferrari Spider or a Lamborghini Gallardo. Seeing the amazing sites with lights glittering all around and watching people checking you out as you pass by is an experience you don’t get to have every day and you can’t experience anything else quite like it in the world. A trip to Las Vegas is meant to be exotic and extravagant and so it only makes sense that the rental car you choose should have those same qualities to complete the experience. The hotel rooms are glamorous, the waitresses, and dancers are glamorous, the casinos are glamorous and there is no reason you shouldn’t be glamorous as well, driving through the city in an exotic rental car like a Lotus or a BMW. There are many luxury car rental companies in Las Vegas to choose from, but make sure you are dealing with a reputable company with a solid reputation. You can find many of these companies through an internet search or in the Yellow Pages. Speak to them and make sure they are licensed, have excellent car car safety standards and provide insurance on all vehicles.

You may or may not be able to afford one of these cars to drive at home, but driving them while you are on vacation is definitely within reach when you travel to Las Vegas. The price difference is well worth the added comfort and lavishness of driving an exotic luxury rental car on your next trip. Las Vegas is a city of luxury and extravagance and your rental car is an important part of your trip, so choosing an exotic rental car makes sense. Whether you are trying to keep up your usual image or create a fantasy, an exotic car rental in Las Vegas is just the thing you need to do just that. Chances are that you will spend more of your waking hours of your vacation in your rental car than in your hotel room, so it makes sense to choose something truly luxurious and comfortable that you will enjoy spending time in and that will give you the image you desire.