Friday, September 25, 2020

4 Things You Need To Do If You Were Involved In A Car Crash

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Accidents are inevitable, and almost every driver has witnessed or been in some form of a road accident. Do you remember how unpleasant the feeling was? In fact, the United States records, on average, about six million car crashes annually. The truth is, nobody ever wants to be involved in an accident. Aside from the shock and trauma that it causes, dealing with all the legal paperwork can become too cumbersome. However, whether you are a new or experienced driver, you must know what to do in the event of an accident. Here are a few vital tips to help you out.

1. Receive medical treatment

When you are involved in a collision, you must get medical attention right away. Major accidents often cause visible injuries that require urgent treatment. However, sometimes even invisible injuries caused by minor crashes might be dangerous. Injuries sustained in accidents are one of the leading causes of death in children and young adults, and that’s one more reason to take it even more seriously. Many road accident victims usually complain of pains and aches a day or two after the accident, especially when the shock has worn off. So, whatever type of accident you get involved in, ensure that receiving medical care is your utmost priority. It might not seem like a big deal, but it can have more damaging consequences if left untreated. 

2. Collect vital information

The police will always collect information from all drivers involved in a roadside collision. However, it is still essential that you also collect this information for your record keeping. Ensure that you collect the names, telephone numbers, and addresses of all persons involved in the accident. Additionally, you and the other driver must exchange information on your insurance. The police will also provide you with a number, which you can use to pick up an official police report a few days or weeks later. 

3. Contact your insurance company

After an accident, it would be best if you notify your insurance company. If you can, do it right at the crash scene so that they can provide relevant information on what they would need to process your claim. If you cannot contact them immediately, ensure that you take clear photographs, and keep a file to help you file your claim. 

4. Consult with your attorney

In the event of an accident, your attorney can provide you with advice to help you know and understand your rights. Typically, insurance companies would prefer you to give a statement after the accident. You can deliberate on it with your lawyer before going ahead. When there are injuries or discussions of who was at fault, you might realize that the other driver’s insurance company might want to settle to avoid any legal action. That’s where you might need an attorney who specializes in auto accidents to help you. 

Getting into an accident might leave you confused and shocked. Nonetheless, if you follow these steps, you will be able to protect yourself and others who are with you.

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Wednesday, September 23, 2020

Financially Preparing for Your First Child

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Welcoming a child into the world can be an exciting time, but it can also often be financially overwhelming for new parents. As there are so many factors and variables to having a child, it can often be difficult to determine the exact costs. However, while you may not be able to plan everything, it doesn’t mean that you can’t plan at all. Here are four ways to ensure that you are financially prepared for your first child. 

Reduce Credit Card Debt 

A great way to start clearing up your finances for your first child is to cut down on any credit card debt. This is because it’ll become increasingly more difficult to chip away at debt once you have the added expenses that come with having a child. On top of this, credit cards with thousands in their balance can cost hundreds in annual interest, which you’ll need to save in order to afford the new expenses for your child. 

As the severity of your credit score largely relies on the amount of debt that you have accumulated, it can also get in the way of your chances of buying a home for your growing family. To best tackle debt, consider applying for lower interest rates, trying the snowballing strategy, or researching organizations such as Debt to Success System who can help you tackle your debt with a variety of methods. 

Create a Budget 

Raising a child is one of life’s most rewarding experiences, but it can also come with high costs. To ensure that you and your partner are ready, come up with a realistic budget that includes all of the expenses involved with having a child, such as diapers, toys, food, and general childcare. This will give you an accurate picture of how much you will be spending alongside your usual expenses, and will indicate where you may need to cut back in other areas. You may also want to research affordable nannies or daycare centres in preparation for the future. 

Establish an Emergency Fund

The innately michacious nature of children means that they can be more prone to accidents, so if you don’t have an emergency fund, now is the time to start one. Moreover, without an emergency fund, a potential personal injury or an unexpected job loss could leave you without income to support your child. Before you take on the responsibility of becoming a parent, ensure to set up an emergency fund that covers at least three to nine months worth of expenses - you can determine how much you will need to deposit in your emergency fund by evaluating your budget. 

Review Health and Life Insurance 

Before having a baby, it’s advised to review your health insurance to cover prenatal and newborn care as well as to ensure that there won’t be any unexpected bills. It’s also advised to purchase life insurance to make sure that your family will be financially taken care of in the unlikely event that something happens to you. 

Thursday, September 17, 2020

Major Storm Protection

Protecting your house from a strong storm is a concern of every homeowner and particularly those who live in vulnerable coastal areas. You can hope the storm turns away, but the best course of action is to put protection in place before you need it. Peace of mind is worth the price. 
Are you safe from lightning if the storm hasn't hit yet? | HowStuffWorks
Secure the Points of Entry

Doors and windows are particularly vulnerable to high winds and especially to flying debris. Even with shutters, a window or glass door could still get punctured by a fallen tree or loose patio furniture. It’s very important to install impact doors West Palm Beach and in other areas that regularly see hurricanes as this step could be the one that prevents catastrophic damage to your home.

Invest in a Generator

A permanently installed generator comes on automatically in case of a power outage due to storms or other reasons. It can keep your air conditioner and refrigerator running as well as power medical devices like breathing machines. Even if your home survives a major storm with little or no damage, the electricity could be out for days or even weeks. If you are hesitant to purchase a whole-home generator, consider a smaller gas-powered one. They tend to be louder and can generally only power one major appliance at a time, so you will have to decide to run your refrigerator or air conditioner, for example.

Purchase Flood Insurance

No one plans to flood, but talk to people in a 500 year floodplain who have, and most of them will say they wish they had purchased flood insurance. Even a small amount of water can cause thousands of dollars worth of damage to your home. Homeowners in some neighborhoods are required by the federal government to have flood insurance, but even if you’re not in one of those areas, it’s prudent to be prepared.

Surviving a major storm with your home completely intact is everyone’s wish, but it doesn’t always happen that way. The next best outcome is to be fully protected from the wind and the rain and whatever damage they may cause.

Regent Street

⬅️⬅️⬅️ This is Regent Street. Regent Street is a large shopping street in London's west end. . It is named after Prince Regent(who became George IV). This street has been an important landmark since its creation in 1825. . Running perpendicular to Oxford Street, the fabulous Regent Street boasts over one mile of store frontage and is aptly nicknamed the 'Mile of Style'. . The road has partly 4 lanes and is usually crowded with buses and cars, but it was closed down when we were there because of the Summer Streets event. It was really cool! We got to enjoy a rare opportunity to roam about the street freely and watched some performers along the way. . In my opinion, Regent Street is one of the most spectacular streets in London. Just look at those fancy grand buildings.

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Must-Visit Getaways That Give You the Escape You Need

Spending too much time inside can really get to you. Many people need to find respite and relaxation in the great outdoors or just somewhere else other than their house. If are feeling the itch to get out of your home and want to embrace a new adventure, here are a few must-visit getaways that can help you do just that.
5 strategies for driving with family and friends | WTOV
For anyone who has ever felt the call of the water, you need to sign up for Chesapeake Bay tidewater sailing. Pack a lunch, some sunscreen and a camera and you’ll find yourself with the perfect day. The relaxing sensation of being next to the water mixed with the excitement and thrilling experience of sailing is the ideal way to shake your cabin fever. 

If you love the great outdoors, but prefer to have your feet on dry land, swamp the sea for glamping. If you enjoy the magnificence of nature, glamorous camping can offer you the amenities that can make a try luxurious with the picture-perfect backdrop of Mother Nature. 

For those who want to fully abandon all of the distractions of their normal lives and prefer a more rugged environment, hiking can be the trip that will soothe your soul. If you want to get away from the busyness of life and fully unplug, a rigorous hiking adventure through some of the most marvelous sites can be exactly what you need to unwind. 

Miniature Getaways A miniature getaway to a tiny rental home can be the ideal solution for your situation. With tiny homes being all the rage, they are also making their way into vacations and in the most spectacular spots. This can be a great way to escape the stress of normal life and enjoy a change of scenery. 

Getting cooped up at home can make anyone feel stir crazy. If you need to escape your home or your life for a bit, here are the perfects places to lose yourself in the wonders that will surround you.

Wednesday, September 16, 2020

Busy Mom? You Can Still Boost Your Career

 You might think that if you are a mom, you’ll never have the time to focus on your career. To be honest, this is completely understandable because mom's always has a lot of commitments and responsibilities. That said, it is important to make time for you as a parent. If you spend your entire life focused on your kids, you could grow to resent them. You could also find that key parts of your life - like your career - begin to slip away from you. That’s why we’re pleased to say that you can have your cake and eat it too in this case. You just need to approach the problem the right way. 

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Go Online

One of the first ways to ensure that you are able to make time for your career is to ensure that you are learning online. It’s fair to say that it can be difficult if not impossible to find the time to go back to school as a mom. But these days you don’t have to because you can learn everything you need through online courses. You can even complete an online masters degree program that is entirely based on your schedule. Online learning is a flexible way to take your career in a completely fresh direction or potentially expand on existing knowledge that you have acquired. 

Work From Home 

Working from home is a great option for parents. It means that you will be able to make time for your career and your kids at the same time. If you work from home, then you can ensure that you will always be able to be there when your kids need you. You just need to make sure that during a typical work today, you are completely focused and remain productive. It can be a tricky balancing act but it’s certainly not as impossible as it could seem at first. 

Set A Schedule

Next, you should make sure that you are setting a schedule. This should be something that you can follow in your professional and personal life. It should lay out the goals that you need to accomplish through the working day and the steps that you need to take. This will help you understand whether you are remaining productive. It is particularly relevant for moms that are working on a side hustle, getting started as a solopreneur or even freelancing. 

Stop Wasting Time 

Finally, you should make sure that you are not wasting time on things that you either don’t enjoy or that don’t benefit you or your kids. There are probably lots of things like this in your life right now. You’ll have commitments that you don’t really need to keep up and routine activities that no longer fit your lifestyle. Are you sure you want to spend time at a book club when you could be working on your new business venture? Do you really need that gym membership or would you be better off working out in the morning before you start your busy business day? Cutting the wastage will free a lot more time for your career and your family too. 

Monday, September 14, 2020

How to Afford a Dream Family Vacation

 Whether your kids have always wanted to go to Disney World, you have your heart set on a far-flung destination like the Caribbean, or you want to immerse your family in a cultural hotspot like India, a dream family vacation will often stay just like that. A dream. 

That doesn’t always have to be the case. With a little bit of planning, a lot of determination, and a sprinkle of know-how, you can achieve the family vacation that you have always wanted, and here’s how you are going to do it!

Family in Europe. Parents and kids background the old town in Mykonos  island, Greece — Stock Video © d.travnikov #123987208

Start planning

A dream family vacation is not a last-minute getaway. It takes careful planning and consideration, especially if you want to achieve it on a budget. Proper planning involves a lot of research. You need to look into accommodation, travel, destinations, days out, and so much more. Affordable rooms, flights, and car rentals book up quickly, so you need to make sure that you leave enough time to grab the best deals. 

It can be a great idea to use a price comparison site so that you can ensure you get the best possible price for each element of your vacation. Remember, although all-inclusive deals can be excellent value for money, sometimes it does pay to book all the different elements of your vacation separately. 

Borrow some money

Even with all the best planning, a dream family vacation doesn’t come cheap. Unless you want to be scrimping and saving for the foreseeable future, you may have to borrow money to ensure you get the trip you and your family deserve. 

If you are worried about borrowing money or getting into debt, the most essential factor to remember is that personal loans can be good for your credit rating. Yes, you heard it right. Borrowing money can actually help you to become more financially responsible and more attractive to lenders in the future as long as all payments are made on time. Plus, it allows you to treat your family to their dream vacation. 

Always make sure that you thoroughly read the loan agreements and ensure that you can comfortably make the monthly loan repayments before signing on the dotted line. 

Go out of season

This is easier said than done when you have school-age kids, you can save a substantial amount of money if you avoid the peak vacation times, such as the summer holidays. In fact, for a family of four traveling abroad, you can easily save thousands of dollars by going out of season. 

Another benefit of avoiding peak travel times is that you can avoid the crowds. Is there anything worse than having to queue for hours in the heat with several young and irritable children in tow? Not to mention the dreaded fight for a sunbed each morning!

As a general rule, spring and autumn are the cheapest times of year to travel. 

Set a budget

One of the easiest ways to overspend when planning your dream family vacation is by not setting a clear and definitive budget. Furthermore, many families across the U.S fail to ever book their dream vacation because they don’t think they can afford it. Yet how can you possibly know what you can and cannot afford it you don’t even look into ways in which you can save money on your ideal trip? 

By setting a realistic budget, you are forced to get creative with your planning and discover what areas you are willing to cut back on and which ones you are not. 

Top tips for saving money on your dream vacation:

  • Check out Airbnb rentals over hotels 

  • Look at public transport instead of costly car rental 

  • Only eat out once a day 

  • Use travel rewards cards 

  • Open a separate savings account 

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