Here’s What To Do When Your Emergency Fund Runs Dry

Something happens, and sometimes we lack the money needed to get through it. Here’s what to do if your emergency fund is lacking but you need funds.
We all like to think that everything is stable and secure. But sometimes, life throws a very difficult situation for us.

It always happens.

An unexpected emergency emerged. You lost your job You have to pay a medical bill suddenly. Your car is damaged and you need an expensive car repair.

This type of event can easily put you in financial ties. If you do not have an emergency fund, it can be very stressful, is not it?

If you find yourself in financial ties and you need to raise funds quickly, it can be done. This post will give you some tips that can help you earn money quickly.

Home Equity Line Of Credit
If you own your home, the home equity line of credit may be a good solution. It’s an easy way to make quick money.

However, it is important to remember that you use your home equity as collateral. You need to make sure you can make payments, otherwise you could lose your home. Be careful with this one.

Credit Card with Low Interest
If you do not want to bear the debt, it’s perfectly understandable. Debt can be a financial turmoil. But if you have no other choice, this can help in your current difficult circumstances.

Keep in mind that there may be a problem with qualifying for low interest credit cards depending on the nature of your emergency. It might be a good idea to file a card when things go well. This is a good way to have a “guarantee” if an emergency arises.

Pay the loan
Payday loans may be a good way to earn cash if you can not wait until you get paid. However, make sure you take stock of your choice before you decide to get a payday loan. You may be able to get a loan from a bank, and the price may be slightly reduced. Payday loans are known for high interest rates.

You need to be wary of fraud if getting a payday loan. Make sure you research the company you are dealing with before signing an agreement. Also, pay close attention to the loan agreement. You need to know exactly what you approve before signing it.

Side Hustle
There is nothing wrong with the little sides of the crowd. If you have certain skills or talents that you can sell, take full advantage of them.

There are many ways to make extra money at home. Find some ways to make extra money on the side. This is a good way to build savings even if you are not in an emergency.

Selling Multiple Belongings
Sometimes, it might be a good idea to sell some of your things. Especially if you have some stuff you do not need anymore. Furnishings, old computers, video games, and clothes are things people can buy.

There are several sites that you can use to sell things. EBay and Craigslist are some of the most popular.

Conclusion
When you are bound, you need to do what you have to do. Financial emergencies are not easy for anyone. But some tips in this post will help you get out of your difficult situation. Take a look at LittleLoans for more information – they are a great additional source.

The Gnarliest Waves at Nazareé, Portugal: Not For the Faint-Hearted

The Gnarliest Waves at Nazareé, Portugal: Not For the Faint-Hearted

The little Portuguese fishing village of Nazaré is a surfing hotspot during the summer months, but in winter only the real thrill-seekers stick around. One of these is undoubtedly Garrett McNamara, the big wave big boy from the US, who in 2011 broke the record for the biggest wave ever surfed — and he smashed it right here in Nazaré.
Big Names, Bigger Waves

 

This monster wave measured 78 feet and in 2013 McNamara returned to Nazaré where he surpassed his own record, riding an absolute whopper estimated to be 100 feet tall. Later that year, Carlos Burle of Brazil conquered a wave that seemed even bigger, winning international recognition with surfers worldwide.

In 2014 Andrew Cotton from Plymouth followed suit, and is now known as one of the 4 surfers who have ridden the hugest waves around these parts. He started surfing when he was seven, so if you want to check out these waves you’re going to need a lot of practice or some pretty decent surf travel insurance…

Why Such Big Waves?!

Nazaré is such a Mecca for surfers because of its enormous waves, and these waves exist for our adrenaline-fuelled enjoyment thanks to the make up of its ocean floor topography. Just like Hawaii’s Banzai Pipeline, the Tahitian Teahupoo and northern California’s Mavericks (amazing surfing spots any surfer worth their salt know!), Nazaré’s ocean floor boasts a huge underwater gorge.

The Nazaré Canyon stretches 125 miles, starting barely half a mile from the shore and reaching way out into the abyssal plain of the Atlantic Ocean. At 16,000 feet, its unbelievable depth, coupled with its perfect positioning, helps to magnify the waves that approach the Praia do Norte beach in Nazaré. It’s because of this that almost every single day you can bear witness to monster waves up to 4 times the size of those found elsewhere along the coast.

Daredevils and Pros Alike: Surf Travel Insurance is as Essential as Board Wax!

It’s undisputed that tackling these waves is not for the faint of heart. Monster waves often move much faster than others, which forces boarders to get distance from the dangerous, frothy white water as fast as they can.

This kind of surfing is less about aesthetics than its tamer cousin: think extreme sport rather than showy carving, quick cutbacks and pretty floaters. This is about braving the aggro (bad weather), tough conditions and brutal waves while trying to remain upright and avoid reef injuries, wipeout, or even death…

While we wouldn’t recommend big wave surfing to those who aren’t pros, now is a good time to start planning your summer surf trip to enjoy the sun and sea at your (adventurous) leisure! Before you race off to enjoy the surf, travel insurance is a must-buy. Embrace the waves without the fear of monstrous medical bills should anything go wrong. You never know, with a little practice you could even be the next big name to be borne of Nazarés big waves! Surf’s up!

5 Issues Authors Run Into That Require Legal Support

 

The art of writing as a career is a free expression of your thoughts, beliefs, experiences, and imagination for a profit.

However, as liberal as this profession may seem, it still has to play by the rules.

Writers can sometimes find themselves in need of legal support if they are not aware of the industry’s general do’s and don’ts.

Here Are 5 Issues Authors May Need Legal Support to Address
1. Copyright Issues

The best way to avoid copyright is to only publish your own work, but what about when you need something to support your writing?

This may be an image or a fact to add some credibility to the article or book you are working on. Always reach out to the source you want to cite.

When in doubt, use a trusted third party or practice Fair Use.

Instead of finding a random image from a search engine, sign up for a stock image or hire a photographer to your own private stock.

2. Trademark Infringement

Trademark infringement may unintentionally cause you to need legal support. It is the unauthorized use of a trademark or brand in connection to something which may cause confusion.

Have you ever told someone to “just Google” a random fact, or “use a Kleenex” to blow their nose? This may be fine for the trade infringement.

If you are ever writing about a real-life situation in which someone is using a brand, try to create a fictional alternative to avoid needing legal support.

3. Privacy Rights

Another thing to be cautious about when relating true stories is the respect for privacy protection.

The United States has specific rights about disclosing another person’s private information such as medical or financial situations. Also, consider personal matters which may be considered sensitive or embarrassing.

Ask yourself if you are the subject how it would feel to have your private business counsel before publishing.

4. Contract Challenges

When working with a publisher, always double check the contract negotiations and rights.

Are you signing away movie and television rights? How much control will you have in the editing process before the final draft is confirmed?

The best way to avoid needing legal support is to have a consistent, open line of communication with publishers.

When both parties understand submission deadlines, revision guidelines, and updating rights, the smoother the writing process becomes.

5. Registration of Your Copyright

Copyright exists as soon as you put something out in the world. Whether it be as a freelance writer, online blogger, or published author, the moment you put your name on it, it’s yours.

You reserve the right to authorize others to use your words and information. However, sometimes copyright issues arise.

The best way to protect your writing is to register your copyright. This may require some legal funding, but it is well worth the investment; it’s like insurance for your work.

Improve Your Writing
Are you interested in creating more relevant, targeted content?

Get access to industry analyzes to focus on the right topics, build your writing team, and more with Article City.

Puerto Rico is still mostly without electricity

Puerto Rico is still mostly without electricity
Six weeks after Hurricane Maria, the head of the Army Corps of Engineers predicts another two to three months before the Puerto Ricans have power restored

Lt. Gen. Todd Semonite, the head of the Army Corps of Engineers, predicts it will be two or three months before most Puerto Ricans regain power in their homes. The vast majority of people in the U.S. territory have gone without it for over six weeks since Hurricane Maria directly hit the Caribbean island. Lt. Gen. Semonite speaks to Steve Kroft for a report on the current conditions in Puerto Rico and the outlook on its recovery to be broadcast on 60 Minutes Sunday, Nov. 5 at 7:30 p.m. ET and 7:00 p.m. PT.

Lt. Gen. Todd Semonite, the head of the Army Corps of Engineers CBS NEWS
Some Puerto Ricans living on the very ends of the electric grid may wait until spring or summer before they get their power back, warns Semonite. “The last mile is going to take a long, long time … probably 62,000 power poles that have to be brought in from the United States, that has to go 6.100 miles of cable , “he tells Kroft. “The science and the engineering and the logistics to be able to make it happen is just going to take some time,” says the general.

“We’re going to push like heck,” says Semonite, “I think the majority of people will hope to have their power up in January, maybe February. to spring or summer before they get them very, very last houses, “he says.

60 Minutes spent over a week reporting in Puerto Rico. Kroft also spoke to Puerto Rico Gov. Ricardo Rossello, Mike Byrne of FEMA and to retired FBI Agent Hector Pesquera, a Puerto Rican native who is directing emergency services and public safety on the island.

Pesquera says the Puerto Rican people, who are U.S. citizens, are owed a return to “some sense of normality.” “What happened here is that within a 24-hour period, life as we know it on the island just collapsed,” he tells Kroft. “There is no food.” There is no gasoline … There is no water.

As SF skyscraper sinks and leans, the number of lawsuits rises

As SF skyscraper sinks and leans, the number of lawsuits rises
Residents mind the cracks in the basement walls of the Millennium Tower and wonder how far their homes and their property values ​​will sink

As the cracks in its basement walls slowly widen, a visual clue to the slow sinking of the 645-ft. skyscraper, the residents of Millennium Tower file lawsuits and wonder how far their homes – and their investments in these homes – will sink. Jon Wertheim went to San Francisco to report on the building that’s become the most infamous in the city’s skyline for a 60 Minutes story to be broadcast Sunday, Nov. 5 at 7:30 p.m. ET and 7 p.m. PT.

Since its foundation was poured in 2006, the Millennium has sunk 17 inches and tilted 14 inches to the northwest. The posh residence was once touted as the city’s bestsellers and ibs of the likes of tech titans and the city’s former pro quarterback, Joe Montana. Pat and Jerry Dodson were enthusiastic buyers. They tell Wertheim they were euphoric over their new home until the news broke about the sinking. Jerry, a lawyer and engineer, now makes a daily trip to the basement to check on the spread of cracks in the walls. “There’s enough of them, a spider web of cracks … that you have to be concerned about what’s going on underneath … I’ve been told by structural and geotechnical engineers that I should be watching.”

The trouble at the Millennium Tower has spawned numerous lawsuits – to which there are some 20 parties so far. But some residents have already sold their units. “We do not know if this building is going to stand up in an earthquake,” says Frank Jernigan. “And so I became severely frightened of that.” His husband, Andrew Faulk, adds, “We just left,” he tolds Wertheim. They say they lost between 3 and 4 million dollars when they sold their apartment earlier this year. “We sold it for about half of what it was valued at before the news came to light,” says Jernigan.

Millennium Tower was built to code, but some engineers now say that because the building is made of concrete and heavier than a steel building, its foundation should have been driven deeper, all the way to bedrock, to prevent sinking. An interesting array of suggestions about how to fix the towers have been floated around town; they include freezing the ground beneath in perpetuity or lopping off the top 20 floors to decrease its weight. More likely, say engineers, the foundation will have to be strengthened by new piles that reach down to bedrock.

While the tech-fueled building boom in San Francisco continues unabated and “bedrock” has become the new watchword to developers. In an ironic reference to Millennium’s troubles, tech giant Salesforce, whose headquarters was recently completed across the street, proudly tweeted that it was resting on “Bedrock Baby!”

4 Fun and Different Team Building Games for 2017

Say it to us: No more boring team building games this year.

2017 will be fun, fun and fun. We know that. We claim it.

You have to claim it too.

After all, are not you bored with fallen beliefs and other team building horror activities? Do not you want a different team-building experience – that does not make you feel angry every time you think about it?

We hear you

That’s why we have compiled a short list of fun games and different team games that are really the furthest thing from lame.

Man vs Zombie
This is a tag game but with zombies.

Initially, one player is randomly selected to become “Original Zombie” (OZ) while the rest plays as human.

After the OZ tag of another player, he turned into a zombie. Zombies must mark humans every 48 hours or they are out of the game.

Humans, on the other hand, can defend themselves with socks and arrows. The game ends when all humans have been marked and turned into zombies or when humans last long enough for all the zombies to starve.

You can use the official Goucher-Style rules or modify them to fit your game. Since 2005, Human vs. Zombies have been played in schools, camps, neighborhoods, libraries, and conventions around the world.

Sumo wrestling
We know. Charlie’s Angels is a long time ago. 2000 to be precise.

But if you ask us about our favorite bit in the movie, not where Drew, Cameron, and Lucy kick everybody’s butts. Yes, they are pretty pretty while doing that and all but our favorite part is where Tim Curry and Billy Murray squares with a sumo fat suit.

As the team building game goes, this one is pretty easy. You only need a few fatty sumo fat suits and an emergency dohyo (ring sumo).

Now, the goal is to grapple with your opponent and force him out of the ring. Oprah friendly talk optional.

There are two teams. A member of each team put him out in a Sumo match. One match is equal to three matches and each match winner receives one point.

The team with the highest score at the end is declared the winner.

Blind Wine / Food Tasting
This one needs a bit of preparation but the end result is worth it.

You need a variety of drinks and food and blindfolds. Tip: Consider food allergies while choosing foods / drinks for this game.

The team that can guess the most items win. You can also increase the difficulty level of this game so the team answers a trivial question before they can move on to the next table or item.

Challenge
This is a Jeopardy style game in which three contestants fight to get a lot of cold and hard cash.

And no, you do not have to clean your encyclopedia for this. Remember, boring is not allowed here so you can relax and have fun.

Like Jeopardy, there are boards with several categories. Each category has a different point value. One of the contestants will choose the category but someone can press the bell to answer it.

Of course, having a quick hand is an advantage but only if you can answer the question correctly. The game goes to the individual with the highest score.

How about you? What is the most fun you have in team building activities? Let us know in his comments.

All Ski and Smile: Best Snowy Resorts for Families

All Ski and Smile: Best Snowy Resorts for Families

For families, choosing the right ski resort is the most important part in planning a sporty winter vacation. To ensure that everyone is happy, there are many things to consider, from accommodation to childcare. This can be a difficult and complicated task even for veteran travelers. To help, here are some things to look out for.
Guaranteed Snow – The ski season can be long, sometimes too long, and the tour company can persuade you cheaply off-season – but then you do not find snow when you get there. No one will suck energy from a party like turning on and finding no snow, so it’s always useful to consult an independent site beforehand. All Ski and Smile: Best Snowy Resorts for Families

Travel – No one likes to travel, especially small children. We recommend that you keep the trip to a minimum; This means shorter flights and shorter transfers. A resort far overseas may be cheaper, but is it worth deliberate?

Accommodation – Good quality, family friendly accommodation is your top priority. Although a little expensive to start, the lay lodges end up saving money for a week and making the holidays easier for the tired kids and their parents.

Nursery and Ski School – The resort you choose should have a slope for all abilities. If your kids do not have a good skiing experience, it’s also a good idea to check if the resort has breeding and ski schools that are reputable yet affordable.

Off-Piste Activities – On a week-long journey in the mountains, everyone will need to rest from the slopes as often as possible. Make sure that your resort has many off-piste actions, such as swimming pools, sleds or animal farms.

Best Resorts:

With all the factors considered, here are some of the best resorts for families.

La Plagne, France – La Plagne is a large ski area scattered in ten different villages, each with many villas and at least one nursery. There is also a ski school or two in each village, some of which are managed by Englishmen to help the language barrier.

Ylläs, Finland – For the more Christalm atmosphere the kids love, head to Ylläs in Finland. The resort has your off-piste activities covered, offering snowshoeing, deer sleigh rides and sledging. The accommodation here is not right on the slopes, which means that the villa is quieter at night and everyone gets more sleep.

Klosters, Switzerland – Klosters has a reputation for family fun like no other. This is mainly due to Madrisa Land, Switzerland’s largest adventure park on Mount Sonnberg Klosters. The park contains many additional safe areas for children to have fun with the ancient snowball fight and more.

Alpbach, Austria – A cozy little resort, Alpach is very popular amongst British families looking for a less hectic skiing holiday. There are many cottage options built right next to the ski nursery, which is perfect for small children. All Ski and Smile: Best Snowy Resorts for Families

Belinda Smythson works for Ski Amis, a specialist ski travel agency and booking service that has helped avid skiers and hikers make their perfect winter breaks for more than a quarter of a century. If you are looking for catered chalets, La Plagne is an ideal choice. For accommodation anywhere in Three Valleys, Paradiski, Espace Killy or Chamonix Valley, Ski Amis is a go-to company for winter sports enthusiasts looking for a lifelong holiday. All Ski and Smile: Best Snowy Resorts for Families

Best Way To Use Equipment Financing For Your Startup

Startups need the right resources to develop from day one. That means having the latest equipment available for your industry.

But what if you lack the capital to finance the equipment you need for success early on?

Luckily, startup founders like you can take full advantage of equipment financing to start your company strongly, regardless of any industry.

What’s your industry?
According to the latest data from the Leasing Equipment and Finance Association, professionals finance the financing tools for the following industries:

The transportation industry receives most of the equipment financing, almost 30% of all equipment financing businesses.
IT and related computer businesses represent 21.3% of all equipment financing.
Construction comes 11.5%
Agricultural business receives slightly more than 9% of all financing.
The medical industry reached 4.7%
The industrial and manufacturing sectors received 3.7%
Energy-related companies represent 2.5% of the equipment financing portion.
Now, for the next question we consider. What is the best way to use your equipment’s financial loan?

How to Use your Equipment Funding
Also included in the same ELFA report are figures for office machines (4.2%) and material handling (2.8%).

Whether your startup is focused on technology or agriculture, office machines are essential for your startup.

For example, you can use a financial loan equipment to purchase the following requirements for your business:

Printer
Scanner
Fotocopy machine
Communication devices such as fax and telephone
Desktop and laptop computers
Paper cutting machine
Server
Router and Internet modem
Lamination machine
However, it is important to note that computers eventually become obsolete over time. Therefore, you may find yourself already in need of an upgrade as soon as you pay off your equipment loan.

That’s why we recommend to consider the financing of office equipment with a longer life cycle.

On the other hand, material handling equipment does not have a short life cycle like a Macbook Pro or Dell laptop.

Material handling equipment is used in all industries, especially in the transportation, construction, agriculture and manufacturing sectors.

This type of equipment usually includes:

Conveyor belt
Silos for farming
Automated Guided Vehicles
Delivery pallet truck
General industrial trucks
Automatic picker
Side loader
Cranes
Other material handling equipment includes storage-related products such as stacking equipment, shelves, drive-in storage racks, and frames.

Material handling equipment is also important for start-up restaurants and other culinary related businesses.

If you are launching a new food startup, you may want to consider using your equipment financing loan to buy refrigerators, commercial freezers, commercial toasters, and ovens for example.

Equipment Financing: Next Steps
What’s great about being a new startup is you can immediately receive your equipment financing to get the ball rolling. In fact, you can even get approval by the end of one business day.

We recommend creating a list of the long laundry equipment you need to start your startup off the ground. It’s also important to get your finances to ensure you do not fall into “negative equity” during the first few years of your business as you repay your loan.

As a new business owner, you can take advantage of low equipment financing rates and pay off your loan over the span of 5 years as you work to generate that initial sale.

Uber passenger recalls ride with Sayfullo Saipov days before NYC attack

Uber passenger recalls ride with Sayfullo Saipov days before NYC attack

NEW YORK – Damian Erskine, a 34-year-old British graphic designer, came to the United States with his girlfriend last weekend to attend a friend’s wedding in New York. Little did the couple know that the Uber they ordered Oct. 26 from Newark International Airport would be driven by Sayfullo Habibullaevic Saipov – the man who is now facing federal terrorism charges for killing at least eight people with a rented pickup truck in lower Manhattan on Halloween.

Saipov was registered as a driver for both Uber and Lyft.

Erskine described Saipov as “very friendly” and “a perfectly normal guy.” He said Saipov took the bags from Erskine’s girlfriend (who declined to be interviewed) Toyota Minivan – where the truck for the attack was rented.

A look at Saipov and the Uber route he took for Erskine and his girlfriend. CBS NEWS
Saipov was chatty during the ride, which lasted more than an hour on the way to Rockaway in New Jersey. He talked about real estate prices in Manhattan versus London and spoke admiringly about Range Rovers, saying he hoped to own one someday, Erskine recalled. Saipov disclosed that he was also a truck driver and mentioned a trip where he drove from New Jersey to California.

Erskine thought he seemed “totally, totally normal.”

“You get a vibe from someone … there is definitely something that seems to be there,” Erskine said.

Damian Erskine CBS NEWS
Erskine says Saipov did not mention religion or politics during the ride ride and that he was not critical of the United States in any way. They did not talk about where Saipov was from or how long he had lived in America. Erskine thought Saipov spoke very good English with not much of an accent.

The couple returned to the U.K. on the morning of Oct. 31 – the same day as the deadly rampage in lower Manhattan.

“The day we landed was what we had in the World Trade Center,” Erskine said. “It’s a really weird feeling.”

It was not until Wednesday, after watching coverage on BBC News, that it was not an hour in a car with the suspect. He checked his Uber receipt and confirmed the name was a match. He says he contacted U.S. authorities in Britain and reported his experience to investigators.

Truck plows into pedestrians in NYC attack
He remains shaken by the close encounter with a man government say bragged about killing people in the name of ISIS.

“When people talk about radicalization and that kind of thing … it’s that ability to live a normal life, when how much is an act,” Erskine said. “But what is it that makes transition from being the friendly polite person to being the murderer? That transition should be the focus.”

Erskine said that he physically felt sick after learning of the attack that left two Americans, five Argentines and a Belgian dead.

“Just repulsion really,” Erskine said. “You think, was there anything you might have a flag?” I know there was not. That’s the worst part … you could have done anything because you could have made a phone call. ”

“I could spend the next week dwelling on the ‘what ifs’ and ‘hows,'” he said. “It’s not going to change anything.”

How to Get Into the Oil and Gas Business

So you want to be in the oil and gas business. Good choice. Technically, if you are pumping gas to a local station, you are already in the gas business. (But maybe that’s not what you think.)

If you want to be the right landman, it will help to be part of the right broker and oil and gas consulting firm.

What you already know is the vast possibilities available in the oil and gas business. So, the first thing you need to do is decide which part of business you want.

Positions Available in Oil and Gas Businesses
You can do anything from office administration to offshore drilling. And if the 1998 Bruce Willis movie, Armageddon, is believable, you might even be asked to go into space and save the world. … But maybe not.

Oil Online offers several more realistic options:

What types of positions are available? There are opportunities for field hands, radio operators, heavy machine operators, roustabouts, welders, drivers, and even chefs (just to name a few). Many companies offer training on the job.

For clarification, roustabout is a rough and unskilled worker. That means that although the only thing you bring to the table is high enthusiasm, good work ethic, and strong strength, there’s a place in the business for you.

Qualification
Beyond the entry level, there is a good chance that what you want is a landman. It is a more prestigious position where you are an oil or gas agent that secures and leases mineral rights and land for drilling.

A bachelor’s degree is a minimum qualification, preferably in business, geology, or land management.

Look for schools that are accredited by the American Association of Professional Landmen including, Penn State University, Texas Tech University and the University of Oklahoma.

That’s just the beginning. To join the Professional Landament Association, you need a bachelor’s degree, 7 years of experience in the industry, and a graduation score on a certification test.

It can feel like a catch 22: How do you gain experience? By getting a certificate. How do you get the certificate? By gaining experience. After earning your degree, willing to put in some difficult years. It’s a career, not a job.

Salary
Landmanjobs post details of landman salary statistics by categories such as affiliation, education, experience, and gender.

You just hope to get a low 6. But watch out for the gender gap. The high of this industry. According to this section:

• Men from men earn an average salary of $ 132,851.
• Female landmines generate an average salary of $ 101,991.

Education is another big factor. Over $ 50,000 separates landman with a bachelor’s degree from one with a PhD. Larger gaps can be found during factoring experience.

But even at the lowest level, this is a great job that will soon put you in the high income group.

At the end of the day, you enter the oil and gas business in the same way as entering other businesses that deserve entry, with encouragement, hard work, and dedication.

Start today for a better and more profitable tomorrow.