How to Deal With Allergies Onboard

Are you getting ready to spend some time on a boat, or do you live on a houseboat already? Than you might be thinking about the best ways to manage your allergies while on the water! Boats are isolated spaces that present unique needs when it comes to dealing with your allergies. Dr. Summit Shah shares some steps that will help you deal with your allergies on your next nautical adventure.

1. Be Prepared

You should talk to your doctor before you head out into the waters. Gather up the details of your trip, and make an appointment with an allergy specialist. He or she will be able to tell you how many epi-pens you will need in case of an emergency, and what kind of medications you should bring on board with you. Dr. Summit Shah is one resource that you can use, and there are many others. Talk to experts who will make sure that your fun time doesn’t turn into an uncomfortable situation, or worse, a life or death excursion.

2. Pack Your Own Supplies

As you get ready to spend time out on a boat, don’t rely on others to pack the supplies that you need. Make sure that you have your neti-pot, allergy friendly sheets, or lactose free milk. Whatever it is specifically that you know you can’t live with out, pack. Don’t assume that the boat will have it or that someone else will think of it for you. It’s not worth the risk! You know your own body best, and you are a great advocate for your own needs. It doesn’t matter if you feel like you are bringing too much on board. That is much better than realizing you’re missing something crucial as the boat pulls away from the dock.

If you are embarking on a cruise, you should check with the cruise line ahead of time to find out what kind of allergy-friendly alternatives they will have on hand.

3. Make An Emergency Plan

Talk to the person in charge of navigating your expedition into the water. They will know what the route is, and how to call for help if something goes wrong. If you have an allergy that can result in anaphylactic shock, you need to know where the closest emergency response unit is at all times. Make sure the captain of the boat knows about your condition and will be ready to act if worse comes to worse.

4. Don’t Be Afraid To Be Different

Speaking up about allergies can be challenging because it draws attention to you and your needs. If you are reserved or afraid of coming off as needy, the fear of standing out might be a serious obstacle for you. Instead of letting this stand in your way as you set out for an exciting journey, think about it in a new way. If one of your travel-mates had specific needs, wouldn’t you be more than happy to accommodate them? Of course! People will want to help you, so let your travel companions know about your unique allergies without fear.

How to Go About Settling a Boat Loan

Owning a boat might give you great satisfaction. However, you need to ensure that you have the necessary documents to prove that it belongs to you. When you take a loan to purchase a boat, your lender will keep the boat title. This document gives him the right to confiscate the boat if you default your payment. Reputable financiers, nonetheless, won’t try to take the boat from you. They will hold on to your loan title and give you other repayment options.

To get rid of credit card and payday loans, you may want to liquidate some of your assets. However, this option isn’t ideal for boat loan titles. It might cause more financial problems that would take a lot of time and money to resolve. You can settle with your lender if you have excellent negotiating skills. You could negotiate for better terms and request to pay in more installments. Make sure you have the willingness to pay, as that’s what most financiers look for.

Settling a boat loan title is different from setting other bills such as medical bills. The main difference is that the lending party holds a document that allows them to repossess the boat. They can decide to sell the boat to recoup their money. To some extent, this is advantageous to the borrowers as it gives them some bargaining power. The financier is willing to negotiate because they know that the owner of the boat wouldn’t give up their boat without trying to settle the debt.

While considering debt settlement, you can either settle the debt yourself or use a debt settlement company like Nationwide Debt Direct. If you want to go through with the debt settlement by yourself, it would be advisable to contact your lender and suggest a settlement price. The debt collector can choose to reduce your repayment amount by up to 75%. However, the lending company might require a lump sum of money from you so that they can agree to your terms.

Using debt settlement firms is a great option. The company you choose will need you to provide them with all the info regarding your debt. You’ll pay your lender via the settlement company. The firm will negotiate on your behalf and help you pay off the loan. They will put your cash in a savings account. When they accumulate enough money in the account, they’ll contact your creditors and settle your debt.

Using a boat loan title to settle a debt is different from using a debt settlement company. Your financier might be reluctant to accept a lesser amount of money. To initiate negotiations, you might need to default your loan. Going through this form of debt settlement depends on the decisions of the financier. You shouldn’t expect them to accept a lower amount as their goal is to make more cash. You have to present them a great offer that would be hard to decline.

Before settling a debt, it’s important to have a settlement amount in mind. Decide on the amount of money you’re willing to pay. Also, pick a figure that would entice your lender. The majority of lending companies accept anything between 20% and 30% of the agreed amount. You should offer less money than you have because the financier might want to counter your offer.

After deciding on the repayment amount, present your account information to your lender. Additionally, include the current value of the boat, loan amount as well as how much you’re willing to pay. Tell them why you’re unable to pay the full loan amount. The lending firm might accept your offer or reject it. Be persistent to ensure that the lender takes your debt settlement offer.