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If you come home and find an eviction notice on your door. You probably experience a rush of emotions. It’s important to take a moment to stop and breathe. Lots of people receive eviction notices and their lives continue.

Emergency cash like title loans can be one way to pay for a sudden eviction and we will tell you how you can apply for one, but before you get too stressed, you need to determine what kind of eviction notice you received and what the eviction document requires.

What Are the Different Kinds of Eviction Notices?

Four of the most common notices are:

  • Notice to Vacate
  • Notice to Quit
  • Notice to Pay or Quit
  • 3-Day Notice

What’s the difference between these four documents? The title. These documents are all saying the same thing. They are essentially informing you that you have three days to pay your rent, plus any late fees, or vacate. If you don’t, the landlord or management company will begin the eviction process against you in earnest. Normally, at this point you still have the opportunity to pay your rent, plus any fees, to get back into good standing with your lease.

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  • Notice to Cure or Vacate – Your landlord will give you a Notice to Cure or Vacate if you are in violation of the lease terms. This may have resulted from you being too loud late at night, too messy, or have a pet in your apartment when it is prohibited.
  • Unconditional Quit – This is a notice that you must vacate the rental unit. Usually this is reserved for tenants who have repeatedly failed to pay rent, regularly violate the lease agreement, cause extensive damage to the apartment, or are using the property for criminal activity.

What Should I Do When I Receive One of these Notices?

Unless you received an Unconditional Quit or Notice to Cure or Vacate, the best thing to do is pay rent. If you do pay your rent, it’s critical that you get a receipt and a note saying that you eviction process has been stopped. If you’ve received an Unconditional Quit, your landlord likely won’t negotiate with you and just wants you out of the rental unit. If you received a Notice to Cure or Vacate, you need to fix the problem within the specified time. Or, in the case of the presence of a prohibited pet, you may be able to negotiate a clause in your lease allowing you to keep the pet.

If you get one of the other notices and can’t pay your rent, you should speak with your landlord or leasing company. Depending on your circumstances, and the temperament of the person you’re speaking to, you may be able to negotiate an extension on the time you have to pay. Similarly, you may be able to convince them to accept a partial payment now, and the rest of the money later. If your landlord accepts a partial payment, it will end the current eviction process against you. But it doesn’t protect you against future evictions if you miss your rent payment.

What if My Landlord isn’t Maintaining the Property?

If your landlord isn’t maintaining the property as outlined by the lease, you probably still have to pay your rent. If there are problems the landlord refuses to fix, make sure you document both the problems and your contact with the landlord. If you refuse to pay rent and you receive an eviction notice, you may have to defend yourself in court. Depending on the situation, the judge may grant you a rent abatement, meaning you won’t be responsible for the full rent amount for whatever period the judge decides.

Receiving an eviction notice, even if it turns out to be just a notice to pay or vacate, can be a shock. Now that you know a little more about what those notices really mean, you can keep a clear head and get the issue resolved.

What is Renter’s Insurance and Do I Need It?

When you are hunting for a potential rental location, it’s easy to remember the financial basics. First and last month’s rent, and a security deposit. What happens after you have picked your ideal rental location, and your complex asks you for proof of renter’s insurance. You didn’t quite budget for that, but that’s okay. When shopping around for renter’s insurance, consider using emergency cash from a car title loan. With title loans, you may be able to get fast and easy cash that you can utilize for renter’s insurance. However, before we talk about title loans, let’s take a better look at why you need renter’s insurance.

You may have come across renters insurance if you’ve been renting an apartment or house. If you’re a first-time renter, and your friends or family have mentioned renter’s insurance before, you might be asking, “Do I need renter’s insurance?” Depending on where you live and all your personal belongings, you might want to consider purchasing renter’s insurance. It could help cover:

  • Personal property
  • Loss of use
  • Liability
  • Additional coverage

Why Do I Need Renter’s Insurance?

While most landlords and apartments have insurance to cover any damage done to the apartment or home in an unexpected circumstance, it is your belongings that are left vulnerable. Renter’s insurance helps the renter protect their belongings in case of theft, fire, or other damage. It is referred to as HO-4, or simply renter’s insurance policy.

In cases of theft, fire, or other damage, you will want your items protected because replacing them can be expensive if the situation does arise. If there is theft, they will most like take electronics and valuables like jewelry, which could mean thousands of dollars in replacement. If there is damage to your couches, mattresses, or clothing when there is a fire or water damage, you are still in the thousands range to replace them. Unless you have the funds on hand to replace all of your belongings in an emergency, renter’s insurance could help you out in case of emergency.

Renter’s insurance is also important for liability coverage if you are the one that caused a fire or water damage from a running sink or burning candle.

What Will Renter’s Insurance Cover?

Think of renter’s insurance like any other insurance policy. While you the odds of you getting in a car accident or needing urgent medical assistance are not high, you still have auto insurance and medical insurance. According to Statistic Brain, there is an average number of 374,000 residential home fires each year. There were about 95,000 apartment fires in 2016, according to the NFPA.

In any catastrophic case, you can expect your renter’s insurance to cover:

  1. Personal Property

Renter’s insurance will offer protection for your belongings in case of a power surge, water damage, fire, vandalism, theft, etc. What it will not cover is any damage to your belongings from flood water, earthquakes, mudslides, and nuclear hazards. In these instances, you will need a separate coverage policy. Certain property will also only be covered up to a certain monetary limit.

  1. Loss of Use

If the damage from any fire, water, or theft requires you to leave your home, renter’s insurance can help cover the living expenses if you need to stay in a hotel, buy food, and anything else that may occur due to the displacement.

  1. Liability

Bodily injury or property damage that is caused by negligence can also be covered by your renter’s insurance. If your pet bites a neighbor and they need to go to the hospital, it can help you pay for their hospital bill if the neighbor insists or cover any lawyer expenses if they decide to sue. What it will not cover is any intended injury, business pursuits, or vehicle-related injury.

  1. Additional Coverage

Other coverage that your renter’s insurance will offer includes:

  • “Medical payments to others” – in case injury occurs in your home.
  • “Credit card and bank forgery” – if a burglar steals any cards or checks during break-in.
  • “Property of others” – if you had borrowed a friend’s belonging and it was damaged or stolen.

How Much Renter’s Insurance Do I Need?

Depending on where you live and your landlord, they may require at least a $100,000 minimum in liability coverage. To ensure you have enough property damage coverage, talk with an insurance agent about how much your things are worth meaning the cost it would be to replace everything in your home. A basic policy usually offers $30,000 to $50,000 in coverage for an apartment and $100,000 for homes.

A great tip for making sure everything in your home is covered is to take pictures of all your rooms. In case of a catastrophe, you will have visual evidence of the things you lost in that damage.

Where to Get Renter’s Insurance and Cost?

The first place you should check for renter’s insurance is your auto insurance company. Most companies offer more than just auto insurance, including renter’s insurance, and they may give you a great discount for loyalty and bundling.

If they do not offer renter’s insurance, shop around different companies and ask any family or friends who they have. Prices may vary by state, residence, and what type of policy you are trying to get. On average, the basic policy can be around $10-$15 per month. Even for the term of your lease, that is a lot less money than if you were to lose your belongings.

How Can I Save On Rent If I Am Looking for a New Place?

Rent can be one of the most expensive costs to deal with every month. Whether you have two roommates or live alone with two cats, you may be wondering how to save on your rent payment.

There are numerous ways that you can save on your rent payment, whether you are looking for a new place, or staying at your current one. Here are some details to keep in mind in order to save more money every month.

Depending on how important saving money on your rent payment is to you, or if you find that your rent is becoming unaffordable, you may want to consider moving altogether.

Here are a few ways to save when starting from scratch, and are looking for a new place to rent:

How Picking the Right Location Can Help You Save On Your Rent Payment

Location is everything when it comes to the amount of rent that you will be paying every month. Depending on how important it is for you to save money, you may want to consider compromising on some things.

Here are a few factors about location that will save you on rent:

  • Pick a location that is far from a major city, like a suburb.
  • Find a place that is close to your work /school/your daily routine.
  • Pick a place close to public transportation—this will help add to your savings.
  • When renting an apartment or condo, opt for fewer amenities to save on costs.
  • Do research to find the cheapest neighborhoods in the area.

How the Lease Terms Can Help You Save Money on Rent

Generally, the longer the lease terms, the cheaper the place will cost you over time. Additionally, you won’t have to worry about the rent increasing.

So, if you are willing to take on a longer commitment beyond the standard one year-lease, and are prioritizing saving, try to find a two-year lease instead.

How the Utilities Can Help You Save Money on Rent

Although this savings is technically towards utilities, it is still kind of a part of the equation that comes with a monthly payment for rent. Try and find a place where the costs from the utilities are low or where the landlord covers a majority of those costs for their tenants.

Emergency Cash for Common Moving Expenses

There are some expenses that you are going to have in every move. For example, you’ll need:

  • Boxes – To pack things, you’ll need more than you think.
  • Tape – To make and seal boxes.
  • Packing Paper – To pack things like plates and glassware. And to cushion the bottoms and tops of the insides of boxes.
  • Bubble Wrap – To pack anything especially breakable, and to cover things like artwork.

If you do your move yourself, you’ll have a few other expenses:

  • Moving Truck – Otherwise, how will you get your stuff from your old place to your new one?
  • Gas – You’ll need to return the truck with the same amount of gas it had when the truck company gave it to you.
  • Food – To feed your friends after they help you.

These aren’t the only expense you may encounter. A few unexpected expenses may crop up, which is why you may consider applying for a title loan. But what are title loans? Title loans are a fast and quick way to get money. We consider ourselves experts in title loans, and we may be able to help you get the best deal in emergency cash, especially for common moving expenses1.

But before we talk about title loans, here are some other expenses to consider.

What Are Some Unexpected Moving Expenses when Moving Yourself?

If you’re moving yourself, you’ll have to watch out for things like:

  • Parking tickets – People often park moving trucks illegally. That might be a problem depending on the person giving tickets that day.
  • Medical expenses – If you drop something on your foot or lift something too heavy.
  • Replacement costs – For anything that gets broken in the move.

What Are You Paying for When You Use Movers?

If you are using movers, you’ll need to pay for things like tape and boxes, and you may receive an upcharge on them if you have the movers do your packing. When you pay a moving company, the fee covers things like:

  • The Truck – Anything truck-related. The company has to maintain, insure, and gas-up the truck. The distance you move will affect the cost.
  • Movers – The people who actually move your things. Moving companies try to balance the number of movers with the amount of time it will take to do your move. A major part of this calculation is how much stuff you have.
  • Insurance – The company will need to have any relevant insurances, in case of a problem.

There are also some unexpected expenses you may encounter while using movers. They are largely the same as if you are moving yourself. The one you are most likely to encounter is replacement cost, if something of yours get damaged. Moving companies have different policies when it comes to replacement costs. Some will offer you a little money or allow you to file a claim for the replacement value of whatever was broken. You’ll have to speak to your moving companies to get the details.

What Are Some New Expenses I Have After Moving?

Depending on where you move from and where you move to, some of your other expenses may change suddenly, even if they have nothing to do with your move:

  • Insurance – Your auto and health insurance premiums can change. Or change completely if your old plans are no longer available in your new location.
  • Contract fees – Did you sign a one-year contract with your gym? You may have to pay money to get out of it.
  • Banking fees – If you are moving from one state to another and changing bank accounts, be sure to confirm that all your automatic payments have stopped. If not, you could receive NSF charges when they try to take money out of your empty account.
  • Late fees – If there is a mistake with your forwarding address, you might not receive notice of a bill you owe.
  • Forgotten Security Deposit – Make sure you don’t forget to collect your security deposit when you move out.

How to Make Your New Home Guest Ready

Between October and February, there is something we all know as the holiday season. There are so many holidays around the world during this time, and there is almost always something going on at somebody’s house.

Going to a family member’s house is always the best, you don’t have to prepare anything.  Just show up, be the life of the party, and fake an early start to go home early. Perfect. What happens when you finally get that house and your mother volunteers you to host, or worse, you get a partner who wants to host all the holiday parties? Don’t panic. Hosting a party is part of becoming an adult. Hosting a successful family get together is a part of becoming a successful adult.

Now, to host a proper get together, you should first consider what kind of gathering you want. Is this going to be a friends only event, a family get together, or a work social? Each of them requires a different atmosphere to make your guest feel the most welcome. There are differences ranging from decorating, to cuisine, to general atmosphere and tone. Making your house or apartment ready depends most on what kind of gathering you are planning.

Food for Thought 

Picking a menu for a work function depends on how long you wish your guests to stay. If you want to make a great first impression, it’s best to start strong, but leave room for improvement.

Having a wine and cheese party for work associates is a great way to break the ice without obligating anyone to stay long enough to regret coming. Making wine and finger foods the focus of your gathering makes it so that there is a graceful way to end the party. No more food, party is over. Drinking wine keeps it classy.

Having a well-planned, shorter event makes for a successful gathering. Save the work cookouts for your 5+ year gathering. That way you have something to build to, and by then, you will have a better idea of your coworkers’ culinary needs.

Having a themed food gathering helps gather feedback.  Food restrictions are important to note for future gatherings and preferences help when greasing elbows. When decorating for a work function, it’s important to keep in mind the occasion, in this case, the holidays, and decorate as if you were decorating a high-end hotel. Keep the decorations subtle but still thematic. There’s nothing wrong with having a Macy’s display in your entrance, but if it’s a work environment, you want to keep the decorations PC. Play the music under a conversation level, and keep to something instrumental. Every little bit adds up to a good experience and great impressions.

Anticipate their Comfort Needs

 The holidays have become a time to gather for family as well as friends. From themed Halloween parties, Friendsgiving, ugly sweater parties, to just getting together because it’s winter break and your friend is in town.

There are times when you just want to throw a party with just your group of 10 or so odd friends. You want to do things you wouldn’t want your mom to see, not in person, but through social media. In any case, to make your guest feel the most at home, you should prepare more than just the drinking essentials.

Set aside time to prepare two things. A place to crash, and a clean bathroom. Why clean a bathroom if it’s going to be immediately destroyed? Well, for starters, it shows that you are responsible. Plus, if you show pride in your bathroom, there’s a chance your friends might take more care in taking care of their business. If the toilet paper is hiding, and your guest panics, don’t have your guest suffer a Ben Stiller moment. (If you haven’t seen Along Came Polly, just take an hour and you’ll see). Having a well-stocked, clean bathroom, above all else, shows that you thought of everything. You were courteous to your guests most basic need.  If you don’t have an extra pillow or comforter, now would be the time to invest.

There’s always that one friend who doesn’t plan well, and although they drove there, they shouldn’t be driving home. While there are many rideshare options, they might not be willing to pay the surge prices, hence why they drove. A good host will have thought of the inevitable. Having a couch, a spare room, or even an extra pillow and comforter for sleeping on the floor can make you a hero in the eyes of your sauced-up guest. Keep in mind, if they sleep on the floor, make sure it’s mostly clean, not just for your guest, but for your pillow and blanket. Bonus points if you leave a bottle of water and headache medicine next to them, and extra points if you find and plug in their phone so it’s fully charged when they get up.

A Welcoming Experience for Everyone

Winter break is when we see the most travel of all year. The number of flights and cars on the road are nothing compared to the rest of the year. It’s the most wonderful time to get together with family and loved ones.

This year, you have taken on the ultimate task of entertaining your family. You might have to get some food together (or suggest a potluck) and maybe prepare a spare room or couch for them to sleep on (you will be sleeping on the couch, so hopefully you have a comfortable one.) What you should really be preparing for is ensuring everyone is having a good time. Having everyone there with nothing to do can get awkward. It doesn’t matter that you’ve known your Aunt Mildred from birth, if you don’t have anything in common, then she’s not going to have a good time.

Besides food, there should be another highlight to the visit. Christmas has many games to look forward to. Opening a grab bag gift with oven mitts, a white elephant exchange, or even Christmas Movie trivia. You can always incorporate any classic party game with your get together, such as charades or 20 questions. The more guests involved, the longer the game, the less amount of games you need to prepare. Make sure your games bring on some sort of emotion, laughter, nostalgia, competition, anything but boredom.

Most importantly, ALWAYS let your guests know if children are allowed or expected. Having to child-proof a home shows you respect your guest and want them to have a good time. If your holiday tree is covered in glass ornaments, your guest might spend the entire night stressing that their children be on their best behavior. Providing crayons and some paper, or a separate room with a kid’s movie goes a long way. Children are guests too, and an occupied child is a happy child and a happy guest.  Not to mention, if there are activities planned, once they have been completed, everyone can take that as an opportune time to take their leave.

The best guidelines for any kind of get together, make sure there is sustenance, appropriate for the occasion. Next, would be to make sure your place is warm, clean and well stocked. Most importantly, have something for your guests to do, for every age group. They don’t have to be the same group activities, but the more inclusive, the better.

For your next get together, you have the perfect recipe for success. The best way to make your home ready, is to make your guest the most at home, be it by eating, drinking and being merry.

How Can I Save On My Rent Payment of I am Staying at My Current Place?

Some people may be in love with the place that they are living in, or it is just too convenient of a place to be leaving. If you find yourself in this predicament, the good news is there are still ways that you can save rent on your monthly payment.

Here are a few ways to save on your rent payment while staying at your current place:

  1. Negotiate Your Monthly Payment with Your Landlord

If you have stayed at your current place for a while, and are a good tenant—one who pays rent on time each month, respects and maintains the property, and get along well with your neighbors—then you may want to consider negotiating your rent costs with your landlord.

There are many landlords out there who wouldn’t mind lowering the price on their place if it means keeping a good tenant. It is definitely worth asking about.

  1. If You Have the Room, Get a Roommate!

Okay so granted, this option may not be everyone’s favorite thing to do, but adding even one roommate can potentially cut your rent in half! Before doing so, make sure that is okay with your landlord, and that your new roommate is reliable/someone whom you’d would want to live with.

Other Things that Can Be Done to Save On Your Monthly Rent Payment:

Here are a few ways to save on rent whether you are moving to a new place or renting the same one:

  1. Cut Down on Luxuries

The great thing about luxuries is that they are simply extras, and so should be fairly easy to cut out. When it comes to saving money on your monthly payments, this could mean skipping a bath and taking a shower instead or doing the dishes yourself instead of using the dishwasher.

  1. Be Conscious of How You Use Your Utilities

This is kind of related to the point above, but is more about taking the initiative to pay attention to how much electricity, gas, and water you are using, and then actively cutting down.

This could be as simple as turning your lights off before leaving, or something more active like replacing everyday household items with energy efficient alternatives.

  1. Don’t Get a Pet!

This might be a hard one for some people. If you don’t already have a pet, and your priority is to save money on rent, then don’t get one! Adding even a small pet to a place will usually mean fees when moving in, and can mean additional pet fees every month!

Whether you are looking for a new place to rent or want to stick to your current one, there are several things that you can do to save money on your monthly rent, both on a large and small scale.

How Can I Get Money to Pay My Rent?

If you’re not facing down an Unconditional Quite or Notice to Cure, what can you do to get money to pay your rent?

  • Borrow from friends or family – You might be able to cover your whole rent, or at least get a partial payment together and buy a little time to get the rest of your rent.
  • Sell some of your old things – One person’s trash is another person’s treasure. If you have things lying around your house that you don’t use, why not pass them on to someone who needs them and get yourself some cash?
  • Get a personal loan – You may be able to get them on very short notice, even if you have poor credit.
  • Payday Loans – One of the most popular emergency fund options, payday loans act as a payday supplement when you need a little extra cash to get by. While this type of loan offers quick funding, you may only get a few hundred dollars and you are typically expected to repay that money with your subsequent paycheck.  Due to strict repayment terms, this loan is not ideal for those that want more time for repayment.
  • Bank Loans – Bank loans are unsecured, meaning you don’t need an asset to obtain emergency funds. However, a lot of banks require you to have an established account and good credit. If your credit is not currently ideal, you may have a hard time with approval.
  • Pawn Shop Loans – If you have valuable goods or own a car in your name, a pawn shop loan may sound like a good option. But if you use your car as collateral, consider if you are able and willing to forego using your car until you completely repay the loan. If you cannot give up possession of your car, this emergency fund option may not be for you. When using a car for a pawn shop loan, a borrower usually has to drive their car to the pawnshop for inspection and then leave it at a designated lot.
  • Car Title Loans – Similar to auto pawn loans, a qualified borrower uses their car title to secure emergency funds with a car title loan. But unlike an auto pawn loan, a borrower does not usually have to give up the use of their car. This allows individuals to continue driving to work while working toward repaying their loans.

When in need of additional funding for your needs, a car title loan may be a favorable option.

One of the best things about car title loans is that they are fast and efficient. You could even receive your car title loan funding as soon as the next business day3!

Why a Car Title Loan Better than a Cash Loan When Purchasing a Home?

Yes, you can purchase a home with a cash loan, but that may not be in your best interest. There are other, more favorable, ways to get the money you need in order to buy the house of your dreams.

If you are going through the process of looking for and purchasing a home, first of all, congratulations! Buying a house is a big life event, and not an easy one at that. Finding the right house is a challenge, but paying for it can be even more of a challenge if you don’t know where to go for help.

A cash loan can also be referred to as a payday loan. This type of borrowing typically consists of a short-term loan agreement with very high interest rates. The loan is usually expected to be paid off in its entirety by the borrowers next date of pay from their job, hence the name “payday loan.”

Alternatively, a car title loan is a way to use your qualifying vehicle title as collateral in order to borrow funds. You are using the money you have already put into your car to secure your loan, so you have already done a bulk of the work.

When you take out a cash loan, you are hit with astronomical interest rates and a short loan period that could end up leaving you in the very pit of debt that you were trying to avoid in the first place.

When you get a car title loan you will enjoy competitive interest rates and a personal payment plan so you can maintain your financial stability.1 Staying on top of your budget is always important, but it is particularly essential when you are a home owner. You can become the successful homeowner you want to be!

How to Get a Car Title Loan to Pay My Rent

Our 3-step process is simple and efficient so you won’t have to wait around wondering if you are approved for your car title loan.

  1. Click-Call-Visit – Submit your information one of several ways:
  1. Get Approved – Upon approval, a representative will contract you to discuss your free quote. They will also ask you for several documents and a few pictures of your car. The basic documentation you will need is:
  • Government issued form of photo ID
  • Proof of residence
  • Proof of insurance
  • Title to your vehicle in your name
  • Proof of income
  1. Get YOUR MONEY1– After we have received your documents, it is time to sign your contract. Get your money and spend it how you like when you get a car title loan!
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