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Is it safe to use a cellphone while driving?

In today's world, the majority of people own a cellphone. While there are many benefits of this technology, including the ability to stay in touch with others at all times, there are also a variety of risks.

Using a cellphone while driving can turn into a distraction, thus increasing the likelihood of being part of an accident.

Driver charged with drunk driving in fatal crash

It is a tragedy any time a child is involved in a car crash, and it's particularly devastating when the accident could have been prevented with better judgment. In a recent news report out of New Jersey, a child was killed when hit by a driver.

The July 20 report indicates that the driver had been drinking before the crash. The driver, who had previously been at a concert, reportedly drank vodka at the concert hours before the crash.

Top tips for avoiding car repossession

Just the same as your home, the thought of car repossession is enough to drive you crazy. Even if this never comes to light, thinking that your car could be repossessed will have you looking over your shoulder at all times of the day.

There are many tips you can follow to help avoid car repossession, including the following:

  • Negotiate with your lender: If you're facing financial trouble, call your lender and ask them if they can help. Banks are more likely to help you when you're open and honest, as opposed to hiding and hoping for the best.
  • Offer a partial payment: Even if you can't pay in full, you may be able to buy yourself some time by offering your lender partial payment. This shows that you're trying to make things right, which is often enough for the lender to avoid repossessing your car (for the meantime).
  • Sell your vehicle: If your vehicle is worth more than you owe, sell it and move on. Yes, this can make life difficult in regard to transportation, but it's better than falling behind, ruining your credit score and dealing with a repo man.

Understand these things before obtaining a personal loan

Many people turn to a personal loan when they're in need of money. Since unsecured personal loans don't require collateral, such as real estate, you're not taking as big a risk as with a secured loan. However, this doesn't mean you shouldn't implement a system for managing your loan and paying it back as quickly as possible.

Here are a few things you need to understand before obtaining a personal loan:

  • The terms and conditions: Most notably, know how long you have to pay back the loan and the interest rate. With an unsecured loan, your lender is taking on more of the risk.
  • You have options: You can search for a personal loan through local lenders as well as online. If you explore many options, there's a greater chance of finding the loan that best suits your needs.
  • It can impact your credit score: If you make payments in full and on time, the loan can have a positive impact on your credit score. However, if you begin to slip and miss payments, it will lead to a red mark on your credit report.

Widow wins settlement holding bars liable for drunk driver

A person's wrongful death is often unexpected and sudden. Family members are left reeling as they mourn the loss of someone they love and rush to put together a funeral and to take care of the individual's final needs.

When you lose a loved one as a result of another party's negligence, such as drinking and driving, it's fair to seek compensation through a wrongful death lawsuit. That's what some bars in Syracuse have been facing, according to a July 24 article. Some have been held accountable to crashes involving patrons and travelers from New Jersey, while others face liability claims due to serving drinks to people who later caused property damage.

Why do commercial truck drivers cause accidents?

It goes without saying that commercial truck drivers never set out to be part of an accident. Even so, these types of accidents continue to happen from one side of the country to the next.

As the driver of a passenger vehicle, it's important to understand the most common causes of commercial truck accidents.

  • Inadequate training: If a trucker doesn't receive the proper training in regards to safety, technique and defensive driving, they are more likely to cause an accident.
  • Reckless driving: This can take on many forms, such as speeding and failing to use turns signals when changing lanes.
  • Unrealistic schedules: When a trucking company sets an unrealistic schedule, a trucker is more likely to push the limit in regards to speed and hours on the road.
  • Drowsy driving: Commercial truckers don't always get enough rest, which causes them to make poor decisions behind the wheel.
  • Distracted driving: All forms of distractions can cause an accident, ranging from texting to reading a map.
  • Driving under the influence of alcohol or drugs: Any driver, regardless of the vehicle type, is more likely to be part of an accident if he or she is under the influence.

Do these things when negotiating a medical bill

If you find yourself stuck underneath a pile of medical bills, it may be time to contact each provider with the idea of negotiating a better price.

There is no guarantee of success, but you won't know until you try. When it comes time to take action here are four steps to consider:

  • Review your bill: Before contacting the provider you should review the bill in great detail, paying close attention to any errors. If you come across any type of mistake, use it to your advantage when negotiating with the provider.
  • Ask about discounts: You may be surprised to find that you qualify for a discount, such as if you pay your bill in full or have a low income.
  • Visit in person: It's not always something you can do, but if you're able to visit the billing office in person it will work in your favor. A face-to-face conversation often yields better results.
  • Be polite: There's never a good time to become upset when negotiating a medical bill, as this will put the other person off. However, don't turn into a pushover. You know what you want, so stick to your guns and go after it.

Chapter 13 bankruptcy can be a positive force in your life

Chapter 13 bankruptcy isn't liquidation bankruptcy, and it's not likely what you think of when you consider bankruptcy as an option. Chapter 13 bankruptcy is a way to consolidate your debts and to pay them down over a three-to-five-year period.

Chapter 13 bankruptcy doesn't always make you repay all you owe, but it does require on-time payments for a number of years. After you complete the Chapter 13 bankruptcy, the creditors won't be able to seek full payment for any debts you settled for less.

The many forms of distracted driving: Do you know what they are?

When many people think of distracted driving, the only thing that comes to mind is texting or talking on a cellphone.

While the use of technology is a big distraction, there are many other forms of distracted driving that you need to avoid. Here are seven types of distracted driving that will increase the likelihood of being part of an accident:

  • Eating or drinking: You should do this before you leave home or after you reach your destination.
  • Smoking: From lighting a cigarette to putting it out, smoking while driving is a distraction.
  • Adjusting the radio: Just the same as eating and drinking, do this before you pull out of your driveway.
  • Passengers: It can be fun to have passengers in your vehicle, but you can't let them turn into a distraction.
  • Searching for something: You need to keep your eyes on the road at all times. This is a challenge to do if you're searching for something in the backseat or glove box.
  • Outside person or event: There is a lot going on outside your vehicle, but you shouldn't focus on these things. For example, gawking at a car accident can lead to you causing another crash.
  • Daydreaming: You need to keep your mind on the task at hand, which means avoiding daydreaming at all costs.

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