When you’re looking at a whole heap of debt, anything promising to make it easier to manage is a good thing — right?
Well, yes and no.
Sometimes different isn’t good, bad, better — nor worse.
Different can be just different.
With that said, consolidating all your eligible debts into a single loan will make your situation different. That goes without question. However, whether that difference will be beneficial depends upon a number of circumstances.
Long story short, if you’re wondering if debt consolidation is a bad thing, the answer is — it depends.
How Debt Consolidation Works
As the term implies, debt consolidation is the process of combining as many of your outstanding debts as possible into a single loan. The oft-touted advantages include the opportunity for a lower interest rate, a lower monthly payment, a more easily managed situation and the potential to raise your credit score.
“OK,” you say, “sounds good so far, so what’s there to consider?”
How’s Your Credit?
If you have a strong credit score, you’ll qualify for a debt consolidation loan at a lower interest rate than if you’re currently having credit issues. That lower interest rate will typically be the difference between making a consolidation loan a good deal and a bad deal.
After all, the goal is to reduce the amount of interest you must pay and ideally, your monthly payment as well. If you allow yourself to get locked into a high-interest loan because your credit score is low, you could make your situation worse — even with a lower monthly payment. You’ll have to accept a longer repayment term to make the payments reasonable, which means you’ll pay more.
What Kind of Loan Are We Talking About?
Some people refinance their homes or use home equity lines of credit to pay off debt. Most financial experts advise against this, as it’s effectively trading unsecured debt for secured debt. In other words, you’ll be putting your home at risk to pay off debt for which the worst consequence would otherwise be a negative mark on your credit report.
Credit card debt is the type most often consolidated, along with medical debt and student loans. These obligations are secured only by your promise to repay. If you trade them for debt secured by an interest in your home, you could be forced to sell your house to pay off the lender if you hit a rough patch and can’t make your payments.
Do You Have Self-Control?
Let’s say you have five credit card accounts, each one at or near its limit. The minimum payments on them are adding up to more than you will soon be able to continue to comfortably manage each month. However, your credit score is still pretty good.
You take a consolidation loan at a good interest rate with a reasonable term and things ease up considerably. The monthly payment is easy to manage. The interest rate is lower and you’re on track to come out ahead of the game.
Breathing a sigh of relief, you go back to spending the way you did before, falling back into the habits that loaded those cards up in the first place. You rationalize it as being no big deal because of all the money you’re saving each month, thanks to the consolidation loan.
Before you know it, all those cards that had zero balances are at or near their limits again and you have a consolidation loan to service each month too.
Simply put, a debt consolidation loan will only enable you to go farther into debt if you can’t stop charging.
Is debt consolidation a bad thing? Well, like so many other things in life, it depends. Debt consolidation can be the solution you’ve been seeking if you choose your loan and lender carefully, your credit score is still strong, and you manage your money well. On the other hand, it could be the worst possible thing you could do for your finances if any of those parameters are unmet.
You are thinking of buying a trailer, but you are overwhelmed with all the choices. Well, you aren’t the first one to feel like this, and the following tips should help ensure that you invest in the right trailer.
What do You Need?
The first thing you want to do is figure out what kind of trailer you need. There are several options for you, such as refrigerator trailers that have electrical wiring within to help you cool down the interior so that items stay cool. If you are going to be transporting things like grain, then maybe you need a hopper bottom trailer that will make this task a little easier. Start by asking yourself what you need before you move on.
Going for Used or Not?
You should decide to purchase a used or new trailer early on. Used trailers come with a lot of perks. The most obvious perk is that you get to spend less on it. If you are strapped for cash or are hoping to use some of that extra money to invest in something else, then a used trailer may be the best option.
Now, any used trailer you’re considering should be inspected by a professional before making your final decision. This person can tell you if there are issues with the trailer you need to know about, like if there are signs of floorboard softness, which could mean rot. It may cost a bit to hire someone to inspect the trailer, but it’ll be money well spent because it’ll protect you from investing in a trailer that will give you problems.
Think About Weight
Another thing you want to pay attention to before you purchase your trailer is the payload capacity. You would be surprised how many people don’t pay attention to this until it’s too late. Remember that your payload is not always going to be the same, so try to figure out how much your load will be. Choose a trailer that can surpass that amount.
The reason you are doing this is that if the load is heavier your trailer could end up getting damaged prematurely. You might see damage to the trailer’s axles or you might see cracks on your trailer’s frame. All of these issues could cause an accident or force you to deal with unnecessary repairs. Yes, it’s going to take a while to figure out all of this, but it’s better to be safe than sorry.
Consider Braking Power
Braking becomes a bigger issue if you are going to be hauling a trailer. Those who have already done this know how important braking is, but if you’re a new shopper, make sure you consider it. Braking becomes a harder task if you are hauling something heavy, so you need to at least consider a trailer with an electric braking system that connects to your vehicle’s braking system.
As your vehicle starts to brake, your trailer’s wheels are going to start braking, giving you a little more power to stop. This makes it easier to drive and helps protect the content within your trailer. Braking quickly and safely is even more important for those who are going to be hauling delicate items or liquids. Those who are going to be hauling lighter items or whose trailer is not too big may not have to worry about this as much, so just keep this in mind when purchasing your trailer.
These are some tips to keep in mind as you purchase your new or used trailer. Hopefully, you find the one you need without hitting too many hurdles along the way.
Do you work as a security guard? Does danger often surround you? Do you live in an unsafe neighbourhood? Let’s face the truth: Police officers cannot protect you at all times. Sometimes, you have to be your own hero.
In this article, we will discuss the basics of self-defence, adverse situations, and what can you do to come out of them.
Read on to learn something worth your time.
Self Defense is a countermeasure that involves protecting oneself from danger. It requires the right presence of mind to defend yourself from the attacker, meanwhile also taking measures so that they can’t restrain you. While it might sound a no-brainer, during unfavourable conditions when even the sanest people lose their calm and become anxious, it may still become tough.
The world is an uncertain place to live in. You can never predict what’s going to happen next, the situations you may have to face, and the things you may have to deal with. But we can do something to avoid getting hurt in unfavourable situations.
On that note, let’s look at some common critical situations that can be dealt with the basic knowledge of self-defence.
The attacker can be an individual or a group of people attempting to harm you in one way or the other.
An attack can take place anytime and anywhere (it mostly does in isolated and secluded areas).
Yes, it may be easy to tackle a single attacker. But can you handle a bunch of them? What if one or all of them are armed? What if they attack from behind? You may not know how to respond, and your mind may freeze.
What if vandals and thieves try to loot your property? Can you shoo them away yourself, or will you wait for the authorities to come? We suggest you should wait for the police, but what if the burglar tries to harm you? It will be too late before help can arrive.
Even if you have hired security services, it can take some time before they make an entry. That’s why it is safe knowing some self-defence tips.
If you are a passionate hiker or camper, you may have faced a lot of difficult situations by now. That said, knowing how to protect yourself in the wild can give you peace of mind, and you can enjoy your time to the fullest.
Have you tackled a wild animal before? Even if you have, it is nearly impossible to battle all animals in the jungle, but you must be aware of some tricks that can help you escape such situations.
You don’t have to ride a horse or wear a cape to become a hero. Rather than giving in to such unfavourable conditions, know how to fight them and come out safe.
Enlisted below are some self-defence tips everyone should know about:
The best line of defence is to keep calm and stay shut. Only when your mind is at peace, can you make a rational decision and decide your course of action.
Keep pepper spray and a pair of handcuffs in your bag at all times. Even if you can’t fight back, you can distract the attacker, and cuff them so that they can’t try hurting you again.
Harm the assailant on the weak, sensitive regions of the body so that even if they are coming strong, you can get them all teary-eyed. Try to aim for the groin, eyes, nose, and spine.
Learn martial arts. You don’t have to be a pro to save yourself in such situations. Just basic knowledge can help too.
Assess the situation before acting upon it. If you are facing a group of robbers or gangsters, don’t fight back. Instead, be smart and try to hide until help arrives.
The above-mentioned tips can help you stay prepared should you face dangerous situations.
It’s becoming increasingly common for businesses to have employees use personal devices for company work. Data from Syntonic shows that 87 percent of businesses are already having employees use personal devices for corporate applications. But there are some important things to consider here. These are five tips for running a successful bring-your-own-device program.
Determine What Devices to Use
There’s a long list of things that need to be considered when it comes to choosing what devices to use for a bring-your-own-device program. There are two main ways to go about this: Give all qualifying employees devices that they can take home; or allow employees to bring in their personal devices to work. There are some pretty distinct pros and cons to each scenario.
Business owners probably balk at the idea of handing out laptops and smartphones to all of their employees. Devices aren’t cheap, especially if they’re equipped with high-end hardware. But there’s a flipside to every coin. When employees just bring in their own pre-existing personal devices, it’s hard to know what’s being brought onto your network.
Employers need to determine which devices make sense to allow into the BYOD program — along with operating systems, and whether they should be utilized by the business or the employee’s preexisting device.
Nail Down Any Reimbursement Plans
People who benefit from a BYOD program tend to be those whose work isn’t restricted to the confines of an office. It’s often people who spend a significant amount of their time travelling or working outside of the office for a variety of reasons.
Due to this, they might find themselves in a situation where they need to use their personal data or other means in order to do company business. This is obviously not something that’s fair to the employee. Make sure there are protocols in place for how to reimburse anyone who needs repayment from any aspects related to the BYOD program.
Ensure Network Security
Network security is undoubtedly one of the most critical aspects to building and executing a BYOD workplace. There’s far more that needs to be considered on the security side when people are bringing devices to and from the workplace, remotely connecting to enterprise applications, and potentially using infected tech.
It’s essential for enterprises to employ endpoint protection to ensure the security of devices. This kind of monitoring can set off red flags even if a device isn’t on a company network. The perimeters of the modern workplace are expanding. Therefore, it’s necessary to adapt network security to this type of change. Opting for endpoint protection services can help deliver real-time responses to issues as they arise.
Be Transparent with Employees
It’s important the terms and conditions of your BYOD program are clear to all your employees who are part of it. Make sure everyone understands and agrees to what you’re telling them before moving forward.
For instance, it’s a very real concern that employees could be using compromised apps or programs on their devices without their knowledge. Employees need to understand why this is a danger to the organization. Education and careful approval into the BYOD program can limit the risks of this.
You also need to make it clear who fixes things if there’s an issue with a device. If someone’s device breaks down while doing company work, it’s not fair to expect the employee to pay for the repairs. Make it clear upfront who foots the bill in various instances.
Failing to do this could allow former employees to access sensitive data and other information after leaving the company. It’s also a vulnerability in case that former employee’s device is compromised at any point. Determine a BYOD protocol that allows for you to clean out all company apps without eliminating personal data.
Many companies find running a BYOD program makes sense for their businesses today. Make sure you understand some of the challenges before leaping ahead and implementing this kind of system.
A pediatric nurse practitioner is an advancedpractice registered nurse who has either completed a master’s program in nursing or a doctoral degree program. Their main role is to provide care and treatment to children from as young as newborns to young adults. They also have to interact and communicate with family members of all ages. These medical professionals are trained to diagnose illness, preform annual checkups and prescribe medication, as well as consult clients alongside their family members and apply for patient testing.
This highly specialized and varied role gives a fantastic opportunity for registered nurses to progress. It puts them in a position that is extremely close to that of a doctorwhile continuing to care and have close relationships with their patients, as well as the other things they love as a nurse. If you are on the fence about studying nursing or continuing your study to become a pediatric nurse practitioner, then here are sevenreasons why you should consider it.
You Get to Work with Kids
According to the AANP (American Association of Nurse Practitioners), around 60 percent of nurse practitioners will choose to specialize in family practice, while only 5 percent choose to specialize in pediatric primary and acute care. This is a very small percentage, which is crazy considering all of the benefits that come from working with children. Due to the small number of people choosing to specialize in this field, there is a very high demand for pediatric nurse practitioners. However, the best and most rewarding part of this role is that you can be the one to make a difference to a child’s life, as well as their family.
It Improves Your Education
Whether you choose to work in mental health, women’s health or a pediatric environment, all nurse practitioners must have an MSN.There are many ways you can study to obtain this, like through online pediatric nurse practitioner programs.There are many advantages to online pediatric nurse practitioner programs because you can study in your own time alongside work and family commitments. A pediatric nurse practitioner will also need to be certified by the Pediatric Nursing Certification Board. This means that you will gain an advanced degree, as well as a specialized certification. This will be respected in all settings that focus on health care. These credentials will give you the privilege to:
These are all essential to pediatric care.
Your Salary Will Increase
An increase in pay tends to follow you once you have a higher education and become specialized in a particular field. The mean salary for a nurse practitioner working full time will be around six figures (according to the AANP). The competitive wages you can receive are high due to your degree and certification, which means that your advanced education would be worth the time and money compared to that of other medical professionals. In the United States, there is currently a shortage when it comes to primary care. This means that many medical systems and hospitals will actually pay for certain full-time registered nurses to study and become a nurse practitioner.
Chance to Improve Personal Skills
To become a successful pediatric nurse practitioner, you will need to have a number of skills and attributes in order to succeed. Although education to the correct level is essential, there are some things you won’t learn in the classroom but must have to succeed. Nurse practitioners will require a multitude of skills and attributes, like:
Mental and physical endurance
Enthusiasm, advocacy, empathy, and optimism
Fantastic communication skills
Excellent interpersonal skills
Fast responses and problem-solving skills
Attention to detail
You Will Always Be Busy
Most nurse practitioners will see over three patients per hour. If you tend to get bored easily and don’t enjoy watching the clock, then this field will be perfect for you. You will be on your feet for most of the day, so make sure you invest in some comfortable footwear to make this part of your job easier. The field of a pediatric nurse practitioner is constantly changing, so they will constantly seek extra training and certifications to keep up with the changes. There is also a huge range of environments that will allow you to work there and there are several ways a nurse practitioner can specialize in these fields, so you will always be kept busy.
You Can Open Your Own Practice
In some states, being a nurse practitioner means you can open up your own private practice. There are presently 22 states that permit full practice autonomy. This means that nurse practitioners will be allowed to practice without having to be supervised by a physician.Owning your own practice will come with a lot of responsibility and you will have to put in the time and research to ensure you set it up correctly. However, there are many advantages that come with being your own boss and having full control. In the medical community, there is a significant push for more independence for nurse practitioners throughout the United States to help address the extreme shortages in care.
There is a Huge Demand
As mentioned before, in the United States, there is a big shortage of primary care. The AANP states that there is a high demand for pediatric nurse practitioners and this demand is always rising. They have also said that their role may be the answer to a future physician shortage. It is thought that this profession will grow a lot quicker compared to others due to this huge demand. Just like any career, some nurse practitioners will be needed more than others, and this will vary amongst areas. However, if you want to ensure you have a secure job for the rest of your life, then you should definitely look at becoming a nurse practitioner.
The role of a nurse practitioner isn’t easy, but what comes alongside it will be extremely rewarding. There are many reasons you should look at specializing in the field of a pediatric nurse practitioner. These reasons can benefit you as well as others, but you need to make sure this will be right for you before you take that step.
As someone ages, their bodies weaken and it becomes more likely that they will fall and injure themselves. We all stumble occasionally, but for an elderly person, this can be serious. Whether they are in a nursing home or still living at home there are steps they can take to try and prevent this from happening.
In the US fall prevention alarms in nursing homes are being phased out. These alarms are important for elderly residents to be able to call for assistance if they need a drink, the bathroom or if they have an unexpected fall. Without them, they may end up feeling trapped and it can result in more falls if they try to do things themselves. When choosing a nursing home, you should make sure that they are still using an alarm system.
Daily exercise has lots of benefits for elderly people. It will keep their bodies stronger and prevent falls. There are many exercises which can be done from their seats or someone should walk with them to make sure they are safe.
Exercise will also keep them feeling better in themselves and give them more independence. One fantastic new trend for people who are still able is aqua sports, as the water takes on any weight whilst eliminating strain – it allows people to do exercises that otherwise wouldn’t be possible. You may be able to find classes at your local gym, or you can find some ideas for exercise for elderly people here.
If they are still living at home, then some adjustments should be made to their home. One idea could be to have everything on one level so that they don’t have to go upstairs. Handrails are also a fantastic option and can be installed in several places. Being able to sit down quickly could also prevent falling. A seat should be accessible in the shower and even in the kitchen.
Keeping the house tidy and free from clutter is also important as well as any trip hazards, such as removing any rugs. Grip flooring could also be installed such as carpet. Bathrooms and kitchens can be dangerous when wet so high-quality non-slip mats could be a great idea.
It may also be difficult for people to bend down low or reach high so some cupboards should be emptied, and the contents moved so everything is accessible.
Some kind of mobility aid could make all the difference. A walking stick or walker, for example, they should discuss this with their doctor. This will keep them walking for longer.
Wheelchairs or mobility scooters are great if it means retaining independence for longer, but it also stops people from using their legs, which results in them further deteriorating. Therefore, walk assists should be used if possible.
Mobility aids could also include remote control chairs and beds to help people stand up, stairlifts and ‘reachers’ to help people to get things that are far away, high up or low down.
Socks can be a big cause of slips, so opt for slippers with a strong grip. Furthermore, baggy clothes that can be caught on things are another culprit. Tight-fitting clothes are best.
Emergency can strike at any time. Nobody expects to be the only witness to a car crash, or worse. If you are the only person who can help, not having any first aid training could be the difference in a person is living or dying. It is especially important for parents, or you are in charge of multiple people on a day to day basis. Even if you are not, having the ability to save someone’s life one day, is an ability I think most people should have. Without it, you can end up causing more damage than good. You only have to read about the Boston scientific defibrillator lawsuit to see that.
Here is some basic first aid that everybody should know.
To stop heavy bleeding, the type where their body will not form a clot. To stop them from bleeding out, first, you must put pressure on the wound. If possible, raise the injury above the heart to slow down the bleed rate. If it is a major arterial bleed, they could die within a couple of minutes. It is crucial that you add cloth to the wound and apply pressure, do not let that pressure off until the paramedics turn up.
With nearly 90% of cardiac arrests happening at home, away from a doctor or hospital, it is important to know what to do when one happens.
To begin with, it performs CPR with no training, put your hands over the victim’s heart and push. Push to the rhythm of ‘Nelly the Elephant’ or ‘Staying Alive’ by the Bee Gees.
You need to do this immediately, as it only takes 4 minutes for a cardiac arrest to lead to brain damage, even if you save them.
It’s a parent’s worst nightmare, your child has swallowed a small object and its stuck in their throat and they are choking. What do you do?
If this happens, you will have to perform the Heimlich Maneuver. Stand behind them with your hand wrapped around them. Turn one hand into a fist and place it between their belly button and their ribcage. Place your other hand over the top. Then perform a quick upwards thrusting motion, making sure to use a good amount of pressure, repeat until the object is dislodged.
Strokes are one of those things that increase in severity rapidly from the moment they happen, and they can happen at any time. The best thing to do if you spot the signs of someone you love having a stroke is to call for an ambulance immediately and, if possible, give them an aspirin.
Signs to look for with a stroke are dizzy spells, numbness, drooping of one side of the face. If in doubt, ask them to smile, if one part of the mouth doesn’t rise, the likelihood is they are having a stroke.
Hopefully, with these basic first aid tricks, you have the ability to save a life, not that we hope it ever comes up!
Video editing is a stressful task especially if you do this as your full time job. There are lots of specifications of the edits your clients request and you wish there is just a faster way to edit the video. If only you could edit your video faster, you will be able to submit all the video editing projects to the respective clients before the deadline and make them happy.
Keep Your Video Files Organized
The video files must be organized into folder and not in a clutter. They should already be sorted out with only the best ones retained. You can organize your files into different folders such as footage, audio, and images. The footage files can also be organized by the date and time they were filmed. You will make lesser mistakes when you sort out your files prior to importing them into the video editor.
Compress Your Video Files in Batch
If you are working on several video clips, you should use a video converter to convert them in batch. The software you use for compressing the video must be reliable. If you use lousy software, the quality of the video will drop after compressing. You can use a free video converter like Handbrake to compress the videos in batch. If you use online converter, you also have to spend time downloading them to the computer after the video is converted.
Master All the Keyboard Shortcuts
You should learn all the keyboard shortcuts that are available in your software. If you know the keyboard shortcut, you don’t have to go to the menu and find the tool. This will save you a lot of time if you often have to navigate to the menu to find different tools for use in editing the video. Usually, the video editor will provide keyboard shortcuts for popular commands such as playback and trimming a video.
Keep Up with the Computer Hardware Specs
Your computer need to be fast if you want to speed up the video editing process. The hard drive has an important role in determining how efficient your video editor software will run. The hardware specs of your computer must be better than the minimum specs requirement of the video editor. Some of the hardware parts you can improve are the hard drive, and RAM. Your computer need to have an advanced USB port like the USB 3.0/USB-C for faster transfer of the video files from your video camera.
Assign the CPU and RAM Appropriately
In addition, you also should ensure all your RAM and CPU are allocated in the right places. There are add-on apps that you can download for free to use for monitoring the allocation of your RAM and CPU. Basically, if you want the video editor software to run fast, you should quit all the other programs that are running in the background. You can allocate more CPU to your video editor by launching the task manager and right clicking on the program to assign high priority.
Edit the Umms and Aahs First in the Dialogues in Video
If you need to edit the dialogues in your video, first look for easiest speaking errors like umm, or pause to delete. You will find that there are a lot of times that people make such mistakes in their conversations without being aware about it. Each time people say umm, it lasts for a few seconds. These few seconds can add up into minutes and you’ll find the video length significantly reduce after deleting all of them.
Add Markers to Music Track Files
You can add markers to your music track files in the timeline to specify the splitting points. This step should be done before you reduce or extend your current music track collections in the timeline. To do this, you must first select the music track and press the play button in the preview area to play back. While it is playing back, drag the marker to select and mark the portion that you want to delete. To shorten the track, you can use the trim tool to delete it.
Invest in Video Editing Peripherals
You can invest in video editing peripherals that help you to speed up your project. For example, you can get a gaming mouse as it offers faster response and it has buttons that you can program to bring up several shortcuts. Video editing keyboard allws you to save time by color grouping similar tools. The keyboard will also display hundreds of shortcuts in icons.
While small businesses starting out don’t tend to worry about security issues, the more prominent a business becomes, the bigger the target. There are physical threats, security concerns like network intrusions, and everything in between.
In this article, we consider the different threats that businesses face today and how to address them.
It’s a reality that anyone can attend the premises looking to speak to a staff member. They may be disgruntled or be carrying something dangerous on their person – you just never know.
For most businesses today, it’s necessary to have security staff employed that can provide some protection at the front reception area. They can also patrol through the grounds periodically to check for anyone either attempting to access the site or who is walking around unaccompanied without company identification.
To protect security staff, they should be wearing body armor made in the USA. This will offer protection from a bullet fired at their chest or back, along with important extra protection from a potential knife attack. They also should carry other items such as a flashlight, restraints or mace.
Internal threats can come from a variety of sources. There’s the possibility that someone let onto the premises turns violent. This could be a client, customer or someone else who has a sudden, non-characteristic change of behavior. It could be because they first appeared calm and reasonable but quickly became irate or due to a mental issue that has led to their unusual or threatening behavior.
Another possibility is that an employee becomes potentially violent. This could also occur for several reasons including that they’re just been fired, their contract has come to an end, or they’ve just had a mental breakdown.
In each of these situations, it’s beneficial to have trained security personnel on-hand to escort the individual safely off the premises. This removes the danger for other staff members, but also for any clients or suppliers who are present.
Being able to lock down different areas of a building temporarily is useful too. This could be done either manually or remotely to temporarily contain a problem in one part of the building.
The safety of business networks is also of great concern to companies. Malicious use of the network can happen internally through employees or someone else on the premises who gains access to essential systems. Security processes and effective procedures must be in place to limit what can be done, depending on the clearance level of the person involved.
The risk of outside people hacking into the company’s network is also a very real and growing threat. It’s necessary for companies to continually bolster effects to protect their networks and any intellectual property they own. An internal department or regular use of an external network security team to run security checks is important to avoid a threat becoming real.
While companies are simply trying to conduct business, there are unfortunately a variety of threats that they can potentially face. While none are usually of their own doing or by choice, it’s necessary for all businesses to protect themselves by taking appropriate preventative action. Doing so avoids the worst of what could happen.
The number of people jacking in their jobs to work online is beginning to rise exponentially. More and more people are looking to create a life for themselves where they are not bound to an office cubicle. The call of a location free lifestyle is, indeed, a strong one. I mean, that’s probably why you are reading this article right? Well, before I tell you how to become a digital nomad, we need to get two things straight. Firstly, for the majority of us, this life isn’t easy to create. Secondly, without hard work, determination, and a small amount of luck, this life isn’t a guarantee. We see lots of people enter the space and fail because they expect it to be easy.
When you are starting out, it is an extremely stressful time. If you are a content writer, for example, you may have to buy plagiarism reports, like the ones you can get here. Or you might have to pay for keyword research software. You might have to do this before you get a single paying client. If you are thinking of becoming a digital nomad, just so you can sit and work on a beach, you should stop reading. We don’t really do that, and I hate the sand, the wi-fi is terrible, you can’t charge your laptop… don’t believe everything you see on the internet.
That being said, we do get to travel a lot, we aren’t tied down by one location, and we choose our own hours.
Although it takes a lot of hard work and effort to earn good money as a digital nomad, it does not require any qualifications. There are thousands of digital nomad career paths, all of which can be learnt for free if you have the drive. Youtube alone can teach you everything you need to be successful in this space. Combine it with a community that is very active on forums and social media, and you can find mentors and other digital nomads to help you along your path.
The truth is for a lot of us, we feel like the time we spent following the usual education path, school, college, university, was all a waste. I know middle-aged moms with no school qualifications raking in 6 figures a year online. Compare that to my friends who are majorly in debt and 4 years into an 8-year university course to earn less money, and you can see why we think that.
To sum it up, the steps to becoming a digital nomad are very simple. They just require guts and determination. If you don’t find quitting your job as exciting as it is terrifying, this isn’t the career for you. If you aren’t willing to work long hours for little return to set your self up for the rest of your life, this career isn’t for you. If, however, if you are driven, you have motivation and courage, you want to live a life of your own choosing then quit your job, sell your house, get on a plane.
And let me be the first to welcome you to this unpredictable lifestyle!
Indeed, there were 5,250 fatalities in 2018 that came from workplace injuries. This startling statistic reveals just how common workplace injuries can be.
Physical, mental and emotional hardship are ubiquitous in the American workforce. The impact of any such ailment on life can be extreme.
Thankfully, financial support in the form of work injuries compensation can be a silver lining to any injury you experience. If you’re going to suffer at the hands of your employer, then you might as well be compensated appropriately.
The trouble is that many people end up receiving far less than they need (or are owed!).
Want to ensure you avoid this fate and get compensated in full?
Keep reading to discover 6 tips for doing exactly that.
1. Gather the Evidence Together
Your bid to maximize compensation often comes down to the evidence you have of the event(s).
You might look at your injuries and assume that’s all the evidence you need! Alas, that won’t hold up in front of a jury. Make sure you gather together everything and anything that might be useful in your case. The more you have, the stronger your case will be.
Oftentimes, that requires being proactive in the early days following an injury or issue.
Photograph the scene where it happened and the injuries you incurred. Hold onto medical reports and doctor’s notes. Seek statements and contact details from people who were there at the time. And so on and so forth.
Do your digging and hand everything over to your attorney. More on this next.
2. Speak to an Attorney
You need a personal injury lawyer to fight in your corner.
Having one by your side throughout this process will be an unparalleled source of support and comfort. After all, legal proceedings can be complex; newbies to the scene can soon get lost in amongst the bureaucracy.
Take the case yourself and you’re in for trouble (assuming you’re not a legal expert).
In worst-case scenarios you might even fail to claim all the damages you’re owed. You might be surprised at how many things your case qualifies for. Lacking this insight, it’s all too easy to leave money on the table.
Injury lawyers will be able to assess your situation and identify exactly what you’re owed.
That’s an obvious boost in your bid to maximize compensatory employer pay-outs.
3. Get Treatment
Medical treatment may or may not have been optional for your particular injury.
Some people have no choice in the matter given the extent of their injuries. In more minor cases, though, people may decide to recover under their own steam.
This is no time for stoicism though! At the end of the day, you’re hurt and need medical intervention. That’s of vital importance for making a full recovery and minimizing your chances of long term struggles.
In the realm of this article, though, it’s also vital to your legal case.
Accessing treatment means you have a medical record of the damages you incurred. The injuries have been assessed, treated, and reported by professionals.
The result is a document that can be taken to the negotiation table as proof of what you’re owed.
4. Think Hard About the First Offer
Your employer is unlikely to want to go to court over the issue.
It’s time-consuming, expensive, and bad publicity. As such, it’s in their interest to try and settle the case outside of court. They’ll make a financial offer in the hope that you’ll take the cash and run.
Of course, it’s up to you what you do here.
Remember, though, that it’s in their interest to save as much cash as possible. Thus, they’ll come out of the gate with an offer of lower cash value. Twist their arm and you could get much more.
The trick here is to demonstrate the strength of your case against them. Show them why it’s insufficient. Then, help them realize how determined you are to get the compensation you deserve.
They might come back with a better offer.
If not, you can fight it out in court and hope for a win.
5. Work Hard on the Case
Everything depends on the strength of your case.
That’s no exaggeration.
To maximize the compensation you get from going to court, you’ll need compelling proof of what happened. Work with a lawyer and proceed in a methodical, calculated way.
Speak with anybody who might strengthen your claims: medical professionals (the more people who can corroborate your claim, the better), experts in the field, and so on. Get your hands on any records that have the same effect, and conduct depositions.
In time you can assemble all the evidence and arguments you need to win in court. Heck, if the case is strong enough you’ll likely be able to get the settlement you deserve outside of it.
6. File Quickly
Don’t wait forever and a day to file your case.
In fact, don’t wait at all! The quicker you do it, the better. A time limit is imposed on filing the case from the moment you suffer the injury.
If that passes, then you may not be able to get any compensation at all. Filing fast is also a clear sign to your employer that you’re coming after them. You get the impetus you need to start pulling your evidence together and demonstrate your intent in the process.
Claim Your Work Injuries Compensation
Workplace injuries happen all the time.
Of course, the severity of cases varies enormously.
One thing that’s for sure, though, is the ubiquity of the physical, mental and emotional struggles that occur at work. If you’ve suffered in this way recently, then there’s a good chance that you’re owed compensation.
Unfortunately, receiving adequate work injuries compensation pay-out is far from guaranteed.
Successfully seeking compensation demands insight into the process. Ignorance is the enemy when it comes to maximizing the amounts of money you’re owed by an employer.
Hopefully, though, this post will prove helpful in securing the cash you deserve.
Want to read more articles like this one? Search ‘compensation’ on the website now.
There’s a difference between having the tools necessary to do something and having the knowledge and skills necessary to do so. Put it this way: Anyone can get behind the wheel of a car, but not everyone knows what to do next. The same principle applies to enterprises deploying business intelligence and data analytics. Having the tools is a fundamental first step
Gartner estimates half of all organizations “will lack sufficient Artificial Intelligence (AI) and data literacy skills to achieve business value” by 2020. But not for lack of trying — the research firm also expects 80 percent of organizations to deliberately develop data literacy to overcome these deficits.
Why should companies develop a data-literate workforce, exactly? Here are three key reasons.
Teams Can Use Data More Self-Sufficiently
As Info World notes, we’re in the midst of a shift away from IT departments solely managing data to “our current reality where people who aren’t used to working with data must incorporate those skills.”
Self-service search and voice analytics tools are capable of helping employees of all stripes interface directly with stored data, ask questions and receive instant answers. In theory, this alleviates the need for teams like marketing, sales and leadership to treat data specialists like gatekeepers standing between them and insights they can use in decision-making.
However, data literacy is a determining factor in how much value these employees can derive from data — along with the accuracy and quality of the insights they’re taking away. The better versed everyone throughout an organization is in data concepts and language, the easier time they’ll have pulling insights, interpreting them correctly and using them effectively to drive business outcomes.
IT Teams Get Relief from the Reporting Backlog
Another advantage of boosting data literacy among non-specialists is it takes much of the pressure off IT teams to produce constant reports on behalf of others. Without a backlog of requests, IT experts can set their sights on loftier projects — ones more closely tied to advancing strategy and organizational growth.
Data Literacy Can Help or Hurt Growth
Enterprises with the ability to connect decision-makers with speedy data insights — in other words, companies with the right tools and degree of data literacy in place — are equipped to make business decisions capable of driving growth. Data can help companies optimize performance, cut waste, eliminate pain points, reduce operating costs, maximize output and drill down into customer behavior. These are building blocks to sustainable business growth.
On the flip side, lacking the tools and data literacy necessary to capitalize on data insights can inhibit growth. Increasingly, the degree to which an organization is able to become data driven will affect its competitive edge; growth is a big part of that differentiation.
How to Develop a Data-Literate Workforce
We’ve outlined three compelling reasons to boost data literacy within your enterprise. Your next question is probably: How? Well, it’s a combination of products and processes. Deploying a self-service data analytics platform like ThoughtSpot is a start. But businesses will have to do more to truly promote data literacy at every level.
Establishing expectations and shared language centering around data is a must, as is providing accessible training for employees. Cultivating a data-driven culture is about more than just tools; it’s about how people use these tools, as well as how they communicate their findings. Make sure company leaders are taking initiative and leading by example, rather than paying lip service to the value of data without demonstrating its value in action.
Developing a data-literate workforce is no longer an optional yet desirable goal; it’s an absolute must for staying competitive as we move into the future.
Have you gotten into a truck accident today? It can be stressful. Especially if you got hurt. Here are a few steps you should take next to get compensation.
How deadly are accidents involving trucks? According to the Insurance Institute for Highway Safety, over 4,000 Americans died as a result of large truck crashes in 2018. Of those, the majority — 67 percent — were drivers or passengers in automobiles.
Do you know what to do in the event that you are a victim of a truck accident today? Read on to refresh your memory about the essential steps to take.
1. Stay Calm and Keep Quiet
An accident can rattle even the calmest, most laid back person. However, it’s important to keep your wits about you. First, assess the safety of the situation and determine if you or one of your passengers are injured. Then take a few moments to breathe deeply and center yourself before exiting the vehicle.
It’s human nature to place blame on the other driver, but whatever you do, do not come out swinging. Antagonizing them could cause the situation to go from bad to worse. Conversely, if you admit responsibility or apologize, they might use that against you when it comes to assigning fault.
In the event that the other driver is shouting or swearing at you, lock your car door, call 911, and wait for the authorities to arrive.
2. Call for Help
Even if there don’t seem to be any serious injuries or damage to the vehicles, you need to call 911. Filing an accident report is the law, for starters.
Moreover, it’s simply smart to have the incident documented. You may develop injuries later on that can be traced back to the accident. One of the most common delayed injuries is whiplash, but there are many other issues that can develop long after the dust settles.
There is also the possibility that other people involved may decide to bring legal action against you.
3. Use Your Cell Phone to Capture Evidence
As you are waiting for police and paramedics to arrive, take out your smartphone and start snapping pics. You can also record video. Make sure to capture any damage to the vehicles as well as road conditions or weather that may have led to the accident.
If there are witnesses, take down their contact information so police can follow up with them if necessary. Of course, you should also exchange info with the other driver, including the details of their insurance.
4. Seek Medical Attention ASAP
Often, the 911 dispatcher will send an ambulance to the accident scene, just as a precautionary measure. If you are not seen by EMTs or paramedics then and there, however, go get checked out by your doctor. You can also visit an urgent care clinic.
Don’t delay; seek medical attention no later than the day after the crash. Again, having this documentation could prove essential to a favorable legal outcome.
5. Secure the Services of an Attorney
Speaking of favorable legal outcomes, another important step in the wake of an accident is contacting an attorney. Accident attorneys offer complimentary consultations to determine whether their services are necessary.
Getting a truck accident lawyer doesn’t necessarily mean you have to file a lawsuit. They can help you in negotiations with insurance companies as well, to guarantee that you get a fair shake.
A Truck Accident Today Can Result in Heartache Tomorrow
In the aftermath of a serious crash, it’s common for a person’s common sense to fly out the window! You can never be too prepared to deal with a truck accident today, tomorrow, or next year. Keep your head, document everything you can, and enlist the assistance of law enforcement, medical personnel, and attorneys.
Have you ever been in a serious crash with a truck? Do you have any tips for dealing with the pain or other problems that accidents cause? Leave a comment below.
Energy is one of the biggest expenses for any business, and it can fast start eating into your bottom line. This is especially an issue for energy extensive businesses, or businesses struggling to meet their objectives. But energy is also an area where businesses can be neglectful, and make mistakes that lead to more consumption and higher costs. In some cases, just making a few adjustments could be enough to significantly reduce your energy costs, and give your business more room to breathe. Here are a few simple ways your business could be saving on energy.
There is no reason to stick with the utility company you are with forever, unless you’re 100% certain that you can’t get a better deal elsewhere. But how can you know if you’ve never even looked?
The first thing you should do is check what other providers could offer you. A service like Utility Bidder, for instance, could allow you to compare business energy prices from a variety of providers. You can then decide to make the switch, or see if your current provider could give you a better deal. If they aren’t willing to meet you halfway, then leave. It’s as simple as that.
Watch Out for Energy Vampires
Doing something as simple as unplugging idle equipment and appliances could make a significant difference on your energy bills. Did you know that plugged in appliances that are not in use could increase your monthly energy costs by as much as 15%? Get yourself some energy strips to make the process easier,and make unplugging part of your company’s protocol.
Use Natural Sunlight to Your Advantage
Sunlight is a natural and free source of energy, and if you aren’t using it correctly, you are throwing money out of the window. After all, whole countries turn their clocks back one hour each year for this purpose only, and harnessing the power of the sun could be a great way to reduce your reliance on fossil fuels and electricity.
But we’re not talking about installing solar panels, though it could always be an option. Doing something as simple as making sure that the blinds stay open during the day or using skylights to reduce the need for artificial lighting is a start. Then you could start looking at advanced options such as a solar heater water tank, for instance.
These systems usually use heat collectors that are located on the roof. Water is then pumped from the tanks through tubes, heated by the collectors, then returned to the insulated part of the tank. This way, you can get hot water free of charge even after sundown, though chances are you’ll only truly need it during working hours.
Look into Heat Recovery Energy
A lot of heat is emitted by everyday processes in a business. But heat recovery technology can allow you to harvest anything from heat generated from your furnace, running hot water that is used in production, or even employees taking showers or washing their hands.
You can also consider having a mechanical ventilation heat recovery system installed in your office or factory. How this technology works is rather simple. What it does is use ambient air that was heated or conditioned, and use it to cool or heat air that is coming from outside. Hot or cold air from the inside is expelled out and mixed with air pulled from the outside through an exchanger. This means less money and energy spent on heating or air conditioning, which are two of the biggest energy expenditures of any business.
Use Motion Sensors and Detectors
You can’t always rely on humans to close and open the lights, and a lot of times, areas that are lit all the time don’t really need to, like hallways for instance. Using sensors could help reduce energy costs by making sure that these areas are only lit when people are actually using them. Sensors could also be used to control heating in certain areas.
Programmable thermostats could also give you additional opportunities to cut on costs. No need to have the AC or heat roaring when there’s nobody there, and you don’t want to come to a freezing or scorching hot office when coming in. Using a smart thermostat could allow you to adjust the temperature right before people come in so you can use it optimally without any waste.
So, if your goal is to save energy whether for economic or ideological reasons, all of these tips will allow you to reach your goals. The best is that a lot of these are simple adjustments that businesses of any size can implement.
Styling your home can turn out to be a costly affair. With so many areas to cover and so many different things to buy, costs can add up. This is why it is so important to shop smartly – decorating your home needn’t cost thousands and thousands of dollars. In fact, if you find the right deal, you could completely revamp your home decor for under a few hundred dollars. In today’s article, we have a look at 5 luxury home items that you can purchase for under $100. Read on to find out more!
1. Adorn Your Windows On The Cheap
Say goodbye to expensive blinds and costly curtains and say hello to the return of pinch pleat curtains. Pinch pleat curtains have recently made a comeback and are a fantastic way to add some style and finish to the windows in your home. Unlike expensive curtains or drapes, pinch pleat curtains can be purchased for under $100. Pinch pleat curtains are easy to install and come in options that offer soft light filtering or total blockout. Pinch pleat curtains also come in options that offer insulation, ensuring that your home remains nice and toasty in the colder months of the year. Introduce an element of style and class into your home with pinch pleat curtains with an added bonus of not breaking the bank!
2. Rugs Don’t Have To Cost A Fortune
Perhaps you’ve seen them in luxury restaurants or homes – Persian rugs, silk rugs and leather, hide or sheepskin rugs. The reality is these rugs are great to look at, but also come at the price of a small fortune. Thankfully, there are a wide variety of luxury rugs now available both in stores and online to the everyday person. The Monterey rug by Imhome is a beautiful lightweight rug that will elevate any room in your home. With intricate black and soft green patterns on cotton, this rug adds a touch of class to any room it sits in. Turn your home into a bohemian style sanctuary under $100 with the Monterey rug.
3. Store Your Books with Style
A stunning bookshelf needn’t cost you hundreds to thousands of dollars. Say hello to the beautiful industrial ladder bookshelf by Kmart. Industrial furniture is one of the most popular furniture styles in 2019. Unfortunately, many industrial pieces come at an exorbitant price that not many can afford. Thankfully, the industrial ladder bookshelf by Kmart offers you all the style of an industrial piece without a hefty price tag. At only $45, this bookshelf will inject some hipster-chic vibes into any room it sits in.
4. Affordable Artwork
Gone are the days of spending thousands of dollars on paintings or artwork to decorate your home with. 2019 is all about affordable artwork that injects style and personality into your home. Take for example the Home Republic Porto Natural Triple Frame by Adairs. At just $27.99, this modern frame with white foreground is the perfect canvas for your photos or artwork to stand out. Those looking for larger pieces must have a look at this beautiful set of 3 abstract prints on Etsy that you can snag for under $90. Options are endless when it comes to affordable artwork, so ditch the pricey pieces for affordable and beautiful artwork that you can purchase from artists online.
5. A Touch Of Green
Last but certainly not least, no home decor is complete without a touch of green. Unfortunately, many planters or pot plants come at exclusive prices these days. Fret not, however, as the Peggy Hanging Planter by Jones and Co comes in at under $60. This quirky ginger-haired planter loves having a cute plant inside and hanging from a hook in any room of your home. Add a touch of nature to your living room, bedroom or even backyard with this affordable and eccentric planter.
Luxurious decor doesn’t have to come at a luxurious price. We hope that this article has given you some insight into just a few of the many affordable home decor options available to you.
It’s a split-second decision. You’ve been having a great time and now it’s time to go home. You think you’re fine, you only had a few drinks. So, you decide it isn’t worth the hassle to call a ride or stay over.
Driving drunk is one of the worst decisions you’ll ever make. In the state of Texas, there are almost 1,500 deaths due to drunk driving every year. Will this be your last drive?
Here we discuss the dangers, and consequences, of driving under the influence of alcohol.
How Alcohol Affects Your Ability to Drive
There are a number of different ways alcohol affects your brain and body, even if you’ve only had a few drinks.
Let’s dive into some specifics about how alcohol impairs all your senses.
After a single drink, the neurons in your noggin start firing incorrectly. The blocked chemical synapses lead to impulsive behavior, slurred speech, poor memory, and slowed reflexes.
This means that even if you have only had a couple of drinks you’re already more prone to aggressive driving and less able to avoid a collision.
Heavier drinking leads to long term damage to your brain by eliminating certain signals forever. Continuing to drink regularly and in heavy amounts can also lead to brain shrinkage and a higher probability of death from stroke or other brain disorders.
Your Body on Alcohol
In addition to the brain, the body also goes into a toxic state while drinking. While this helps you let loose and have a great time at a party by making it easier to talk to people it makes it a horrible idea to get behind the wheel.
The physical effects of drinking on your body are a lower core temperature, higher blood pressure, loss of coordination, lack of judgment, and dulled vision. This makes you more likely to miss important road signals or even pass out while behind the wheel.
Continuing a habit of heavy drinking also leads to being at higher risk for a variety of different cancers. From the throat to the liver, to colorectal, and esophageal and everything in between.
Heavy drinking also leads to irregular heartbeat, higher risk of stroke, and a higher risk of a heart attack. All of these risks get worse when you’ve been drinking so any one of these things could happen behind the wheel.
The Legal Ramifications of Driving Under the Influence of Alcohol
The first thing people think about when they come up with reasons to not drive while drinking is the potential of DUI/DWI.
Driving Under the Influence, or Driving While Intoxicated (DUI/DWI)
So, you’ve had those couple drinks and you’re only a couple of miles from home so you decide to drive yourself home. You’re hungry so you decide to swing into the Taco Bell drive-thru to grab a burrito.
A police officer is sitting in the parking lot of the fast-food establishment and watches you take the turn into the drive-thru wide and curb your car. He listens to your order and hears the distinct slur in your words as you ask for your burrito and soda.
When you pull through the police officer puts his lights on and has you pull into a parking spot. What happens next?
The police officer will ask you to blow into a breathalyzer machine to determine your blood alcohol level or BAC. Anything over 0.08 percent, while driving a vehicle, is considered intoxicated.
The police officer will also put you through a series of field sobriety tests. Make you walk a straight line, touch your nose while standing on one foot, etc. All of these will be almost impossible while drunk.
Then you’ll be taken to jail and charged with DUI/DWI. You can face some jail time, a long suspension of your driver’s license, tons of fees, and will usually be forced into an alcohol recovery system such as Alcoholics Anonymous, or AA.
As soon as you can, you’ll want to call a DWI lawyer who specializes in this type of case.
Driving while under the influence of alcohol makes it much more likely that you’ll be in an accident. It’s also likely you’ll walk away from the accident, but the person or people you hit may not be so lucky.
The worst day of your life is realizing you took another human’s life because you couldn’t be bothered to book an Uber. If someone dies in a crash that you caused you can expect a charge of vehicular manslaughter in addition to your DUI case.
In Texas, being found guilty of vehicular manslaughter while drinking can get you up to 20 years in prison. It’s considered a second-degree felony with a guaranteed 2 years in prison and fines of up to $10,000.
Having a Drink? Don’t Get Behind the Wheel, Driving Under The Influence of Alcohol is Not Worth It
We hope this will make you pause the next time you’re heading out to a friend’s house for a party or to the bar to watch the game. There’s no excuse to drive drunk, not in the age of smartphones and ride-sharing apps.
If you know you’ll be drinking take an Uber or Lyft, don’t even bring your car. Don’t tempt yourself. Don’t give yourself an excuse to put you and everyone else on the road at risk.
Don’t drive under the influence of alcohol, period.
Looking for more great content? Check out the rest of our blog.
In 2015 alone, nearly 30 million people received hospital treatment for an injury. Whether we like it or not, chances are that we’ll experience some sort of harm one day.
And, the road to recovery isn’t always easy. Even after medical treatment, you may still find yourself wishing you could speed things up and get back to your normal routine.
Luckily, there are a handful of foods that can help promote healing.
Not sure where to start? Don’t worry, we’ve got you covered.
Let’s take a look at everything you need to know about foods that heal.
Foods that contain probiotics (which are living microorganisms) will help fight and prevent disease.
This friendly bacteria is found within yogurts and soy-based drinks, making them an accessible and effective option to recover from ailments like viral or skin infections.
We’re taught from a young age that drinking milk leads to having strong bones.
This is due to the abundance of vitamin D and calcium that are found in dairy products. Calcium helps repair muscle and bone injuries, while vitamin D improves how effective calcium is at doing its job.
Food items like milk and yogurt are great meal options for people who have sprains or broken bones.
Brimming with plenty of vitamin A, carrots are one of the most effective foods you can consume to promote healing.
This vitamin helps prime your body’s white blood cells for fighting infection. Even if you don’t currently have an infection, recovering from an injury can make your immune system less effective at protecting your body.
So, extra vitamin A will make sure you stay healthy while you recover.
Not everyone has a taste for seafood. But, those who are able to consume it will find it has plenty of beneficial properties.
Seafood like salmon and tuna are packed with protein and fatty acids (omega-3’s) that both reduce inflammation and heal damaged muscles and bones.
If your injury was the result of someone else’s negligence and you feel entitled to compensation, view this legal site for more information on moving forward.
A commonly overlooked nutrient is iodine, an absence of which can cause mood swings and general fatigue. Kelp has plenty within its fibers, and this food is especially useful for boosting low thyroid levels.
It also has plenty of magnesium and potassium, which can both help reduce high blood pressure.
There are plenty of other foods out there that can help you heal. A few are:
Lean meats (turkey, chicken)
Oranges (and other fruits with vitamin C)
So, if your appetite doesn’t include any of the above five foods, try something from this list instead!
Foods That Heal: Final Thoughts
While it may seem unbelievable, simple foods can play a large role in the healing process.
With the above information about foods that heal in mind, you’ll be well on your way to making progress in your recovery as quickly as possible.
The use of E-cigarettes is growing around the world – massively in America and modestly in Britain. In recent years American government at the Federal and state level have made moves to clamp down on Vaping in America due to the huge number of young smokers. In the United Kingdom, however, there has not been a similar move. This can be explained by a number of factors, including different approaches to regulation and advertising. Read on to find out why, despite the increase in the number and severity of restrictions on vaping across the Atlantic, British smokers should not be overly concerned by these restrictions.
Different regulatory approaches and contents of e-cigarettes
In Britain, CNN reports, e-cigarettes are used by around 5% of 11-18 year olds. 3.3% of these children and young people say they vape less than once a week, with the other 1.6% saying that they smoke more than once week. This adds up to a large number of people, but pales in comparison to America’s young vapers. One quarter of American high school students have vaped. This fivefold difference in youth uptake can be explained largely by Britain’s far tighter advertising regulations. Nicotine products cannot be advertised online or on the radio, although they can be advertised in public places and buses and so on.
In America, where five times as many young people vape, the media have recently picked up on an outbreak of vaping-related illnesses, that may be linked to seven deaths in the country from potentially illicit THC fluids, which is behind much of the public health outcry. However, besides the non-regulation THC cannabinoid oils likely responsible for these incidents, nicotine-based e-cigarettes, especially those sold in the United Kingdom, are notably safer.
Along with its far higher uptake, the e-cigarettes available in the United States can often contain as much as double the nicotine as those sold in the United Kingdom. Poor regulatory limits can expose American vapers to unnecessary levels of risk which British vapers are not affected by, due to stricter controls and lower nicotine contents.
E-cigarettes around the world
In the wake of the American media attention Norway and Australia have banned the sale of e-cigarettes with nicotine in them, and there are similar bans in place in Japan, Thailand and Singapore. However, the story of vaping in the United Kingdom gives a different picture to elsewhere, with smoking being used mostly by adults looking to quit smoking, as vaping is considered to be 95% less dangerous than smoking. At present, the number of young people who vape regularly and had never previously smoked is only 1% of vapers. Vaping, therefore, is shown to be playing a largely positive role in British public life.
If you feel unsure about vaping in the wake of hearing about American regulations, remember that in the United Kingdom vaping is far safer than smoking. Due to a well-managed regulatory system, you can be confident that any vape fluid you buy from a recognised seller such as VSAVI will be a strong safe step towards quitting smoking.
When you’re having fun and people catch a glimpse of your teeth as you smile or laugh, it would be unfortunate if chips or cracks in those teeth distracted onlookers. After all, no-one wants to draw attention for the wrong reasons, but this is a situation where tooth bonding can help.
“Tooth bonding” is a term for treatments where composite resin is used to cover unsightly parts of the tooth. Here’s what to know about these treatments before you consider them.
As an entire tooth bonding treatment can be completed in a single appointment, it has obvious appeal compared to, say, porcelain veneers, the fitting of which could require more than two visits.
However, be careful to research the implications of bonding to help yourself to decide whether it would really be the best move for you. The treatment wouldn’t, for example, be able to correct an over- or under-bite that has lumbered you with a crooked smile.
How to look after your bonded teeth
Once the treatment is complete, you should remember to schedule regular check-ups at your dental practice, as the completed bonding could be prone to chipping or staining.
The chipping could occur if, for example, you bite on ice, hard food – including, yes, hard sweets – or your fingernails, while the resin could become discolored if you are a heavy smoker or coffee drinker. The saving grace here is that bonding can be easily repaired if it is damaged.
How tooth bonding differs from veneers
The ease of repairing damaged bonding marks it out from, say, veneers, which you would need to get replaced entirely were you to damage them. Given that veneers are significantly pricier than tooth bonding treatments to provide in the first place, replacements wouldn’t bode well for your finances.
Nonetheless, veneers do last longer than the results of bonding, so don’t rule them out too quickly.
The risks of tooth bonding treatments
The good news here is that, well, there aren’t any risks – and certainly not any serious ones. However, as the composite resin won’t match your natural teeth for strength even once hardened and finished, you do need to be careful with them, such as by heeding the information in this article.
It’s also recommended that you find a reputable provider of this treatment. London-based people will be in safe hands when receiving teeth bonding from Ten Dental, an esteemed local clinic group.
When you live in the states, it’s almost impossible not to have a car. Everyone drives everywhere. This means that people are generally quite safe and experienced on the road, but accidents happen, and if you’ve been in an accident you’ll need to look for lawyers to help. However, if you’ve been in an accident, you might be left feeling worried, upset and confused about why it happened. So why might you have had a car accident?
Your car was faulty
Whilst cars are often built more for appearances than functionality these days, some cars are safer than others. Cars designed for safety are now built with sophisticated air-bags, sturdy seatbelts and anti-lock braking systems. However, even if your car is a good design and make, it may have faults that led to your crash. The most common faults in a vehicle that could lead to car accidents are defective brakes and underinflated tires. So, before you get back in the car, make sure you get it serviced and checked for any issues.
You were tired
Drowsy driving is a common reason for car accidents in the US, and people often underestimate the impacts of their tiredness behind the wheel. If you were on a long drive and weren’t taking enough breaks, you may have fallen asleep whilst driving. If this happens, even momentarily, you could crash into a fellow vehicle or swerve off the road. Next time you go on a long drive, make sure you take plenty of stops and alternate driving driving with others if possible. Listening to the radio, having caffeinated drinks or chatting to a passenger could help to prevent this, too.
You were on the phone
Whilst it helps to talk to a passenger whilst driving to avoid tiredness, there are certain laws about talking on the phone whilst driving in America, which vary from state to state. Generally, whilst driving you should not speak on a hand-held phone or use your phone to text or go on social media. If you need to make a phone call, your phone should already be set up with a Bluetooth device that allows you to be hands free. Likewise, fiddling with a satnav whilst driving can distract you and take your hands off the wheel. So, if you were distracted by your phone in any way, this may have been the reason for your accident.
Your vision was impaired
There can be many reasons for someone’s vision to be impaired whilst driving. Bad weather conditions, for example, can cause issues, and mist or fog could mean that you couldn’t see the road in front of you. Bright sunlight could also have shone into your eyes and created a glare on the windscreen. Differently, you might not have been able to see the road because of issues with your eyesight that you may or may not have been aware of at the time of the accident. You may need to get an eye test to see if you need glasses or a change in prescription.
There are 1.35 million practicing lawyers across the United States as of 2019.
In a highly litigious society, these lawyers help maintain law and order by assisting their clients to seek for justice. Additionally, there are many circumstances where you need to know your rights and the responsibilities the law has set out for you.
However, you need to ask yourself, “Do I need an attorney?” to get the best legal service that can help your situation.
Here are a few scenarios where you might have to consult a lawyer.
1. Starting a Business
Starting a business without consulting a lawyer is not only foolhardy but can also place you at risk in some instances.
Whenever you decide to form a firm legally, the structure that can best work for you becomes a concern. Since there are several types of business structures you can use, talking to a lawyer can help you understand which one makes the best sense for your firm.
If you decide to make your business a corporation, you will have to draft some internal documents that govern the organization. Consulting a lawyer at this stage is essential to ensure that you create bylaws that help your new firm achieve its potential and avoid legal difficulties down the road.
2. Operating Businesses
It’s not just new businesses that need a lawyer’s services. Firms that have been in operation also require a lawyer’s skill since there is a myriad of operational issues that call for legal advice.
For creative businesses, intellectual property (IP) is a critical asset that must be protected at all costs. Before you register your products or services for federal copyright and trademark protection, it’s wise to talk to a lawyer. They can help you identify any potential issues with your IP that you hadn’t considered so that you avoid future complications.
Another area where consulting a lawyer is essential is in human resources (HR). As you develop programs and services to help your employees flourish, a lawyer can help you identify and resolve potential legal issues that can affect your operations.
A lawyer who is experienced in marketing and advertising can help you manage the legal aspects of your firm’s campaigns. Thus, you can sidestep common mistakes that might drive your powerful campaign into the ground and waste valuable company resources.
3. A DUI Charge
Nowadays being charged with driving under the influence (DUI) is a serious issue that calls for a lawyer’s skills. The law governing DUI cases is continually evolving, but a lawyer can fight for you with the latest legal knowledge at their fingertips.
If it’s your first DUI charge the prosecutor will offer a first-time plea offer. If you have valid defenses for your case, you won’t need to take on the offer.
But how can you judge the strengths and weaknesses of your case to identify the best path to take? Unless you bring an experienced DUI lawyer in, you’re likely to make a mistake that can cost you dearly.
4. Personal Injury
Severe personal injury cases are complex, and thus you ought to involve a lawyer.
For example, some injuries can lead to you or a loved one being permanently disabled or injured in the long-term. Determining compensation for such an injury is a complicated process. You’ll need a lawyer’s experience to help you get the most out of your claim.
Since a personal injury lawyer is critical to your future well-being, you should only settle for the best. Pay attention to reviews from previous clients (check out this link for an example) as they are an accurate indicator of what to expect.
A bankruptcy attorney is critical in helping you negotiate with your creditors to help you save your house in a chapter 7 bankruptcy, for example. If you are facing a chapter 13 bankruptcy, your attorney can help you negotiate a reasonable repayment plan with the court.
Additionally, a bankruptcy lawyer can help you fill out all the paperwork correctly and on time. Thus, you don’t fail to make the right disclosures that can cause problems.
Losing your house is a challenging experience, and at times, you need an attorney to help you through it. If you have a strong defense for your case, you can’t do without an attorney in defending your claim.
For any military member, you will need an attorney to help you deal with the foreclosure under the Servicemembers Civil Relief Act (SCRA). Furthermore, a lawyer can help answer any questions you have on your state’s foreclosure laws and regulations.
7. Drug Charge
When you’re facing drug charges, your chances of a favorable outcome hinge on the kind of representation you have. Defendants who hire lawyers tend to fare better compared to those who don’t retain an attorney or have to rely on a public defender.
Public defenders always have an overflowing caseload and will, on many occasions, favor a plea deal. That plea deal is typically worse than what a private attorney can deliver for you.
8. Planning Your Estate
Setting your estate in order is a document-heavy process, and hiring a lawyer is critical to getting all the intricate pieces in place. Your state has very particular laws and regulations surrounding your will.
Who can and can’t be your representative, what can and can’t be on your will are just some of the issues state law dictates. An estate planning lawyer with experience can help you draft a will that abides by the latest regulations so that you can care for your loved ones.
A contested divorce is a minefield that you ought not to navigate without an attorney. An experienced, local divorce lawyer is familiar with your state’s laws and regulations concerning divorce. Thus, they can help you understand your rights and responsibilities when facing a divorce.
If you find out that your spouse has hired an attorney, you should also get a lawyer to secure a fair deal.
Do I Need an Attorney? In These Situations, Yes
Lawyers have become an increasingly inevitable part of our society. No matter if you are facing criminal charges or need to learn your responsibilities in the eyes of the law, you need to identify an excellent attorney to consult. Begin by asking yourself, “Do I need an attorney?” to determine the best lawyer for your case.
Are you looking for more information on legal services? Check out our news articles for more on how lawyers can help you fight for your rights.
Once you have been injured it is very likely that you will need a personal injury attorney. A personal injury attorney can help you to win your case in court.
However, before you employ an attorney you should know all the fees that you can incur when you do so. The last thing you want is to be blindsided when you hear about all the costs that you will incur from hiring your lawyer.
In order to prevent this from happening, you should be aware of all the personal injury lawyer fees you will incur. Here is a look at them.
1. A Contingency Fee
A personal injury attorney may charge you a contingency fee. When your lawyer takes a contingency fee you won’t have to pay until they are able to win the case.
If you do not get any money from the person who is responsible for your injury then your lawyer will not be paid. If you do win the case then your lawyer will get a sum of money that was agreed on before they took on the case. The amount of money is usually based on a particular percentage of your winnings.
There is not really a set percentage, so you can expect it to vary based on where you live and even from lawyer to lawyer. A contingency fee is a great motivator for your lawyer to go all out to win your case.
2. Hourly Fees
Some lawyers do not work on a contingency basis, they will charge you by the hour. When you are charged by the hour you will have to pay your lawyer whether you win or lose the case.
If any other expenses are incurred while they are working on the case then you will also be responsible for those. This is the less popular option for securing a personal injury lawyer because it usually requires you to pay money up front at a time when you will probably be facing some of the biggest medical expenses of your life.
3. Things to Consider
By far the most popular option when it comes to fees is a contingency fee. This is because you don’t even have to think about money unless you win.
On the flip side, if a lawyer offers to take your case at an hourly rate it may be an indicator that your case is not strong, so think twice before you pay any money. Another option is to hire a lawyer such as, attorney Sweet James, who will work on your case for a contingency fee.
A Final Look at Personal Injury Lawyer Fees
Personal Injury Lawyer fees can stop you from thinking about pursuing your case even when you have a strong one. However, paying a lawyer upfront is not the only option available.
The best option in most cases is to get a lawyer who won’t charge an upfront fee to take on your case. If you would like to hire a personal injury lawyer, please contact us.
As a tenant, you’d better know what type of problems and opportunities are associated with renting an apartment. For example, most renters suffer from parking issues or a shortage of storage space. Selecting the right apartment to live in is a great problem these days. Landlords cause too many problems when they come to rent out their property.
Not only tenants are facing problems but landlords also. Our article is about the problems that they both face and their solutions. For instance, most of the time, Landlords complain that their tenants refuse to pay rent on time. It happens because of the number of reasons, including temporary unemployment, shortage of cash, or maintenance or repair disputes. Sometimes communication is difficult when confronting such problems. So whenever homeowners come to rent out their flats, make sure to understand the tenants and nature of issues to overcome these problems. In order to avoid these issues, make sure to build an adjustment paper so that in the future, you can legally confront the homeowner.
On the other hand, tenants also have to face a lot more issues when they come to live in their new flats. Their landlords don’t help them with fixing things that they promise. So we have basically created a complete guide for those who are looking for renting apartments. So if you’re one of them, then you’ve opened the right page.
1. Set Your Budget
Before visiting other’s property, make sure to set your budget. I have seen numbers of people renting out posh flats, but they end up with pressure on their budget. If you don’t want to waste your time, then setting your budget is a good idea. Through this, you narrow down your search, which will help you to save your time.
2. Pay a Visit to Property Before Paying Advance
Most of the time people overlook the importance of visiting a property. Sometimes pictures that are available on the internet can be a scam. Most homeowners and property dealers tend to attract customers. They hire professional photographers to capture their property pictures, which can easily attract people. So make sure to visit your selected flat before moving in. In this way, you’ll be more likely to identify which type of family you have in your neighborhood. Whether the flat looks the same as it is in pictures or not. After considering these options, you’ll be able to make the right decision.
3. Check out the Location
Do you want to live in an apartment away from the cinema, hospital, school, and society market or close to them? I think everyone likes to live in a comfort zone. I have seen a number of tenants complaining that the location is not the same as their property dealer or homeowner tells them. If you want to get your new place near facilities, then pay a visit to identify whether your apartment is near or far.
4. Paper Work
Most tenants overlook the paperwork process because it consumes time. Paperwork legally supports you if your landlord creates any issue, or he/she tries to increase your monthly rent. After completing paperwork make sure to ask for a copy; this will save a lot of headaches later.
Nowadays, influencers and social media are indispensable when it comes to the marketing of your brand – you simply cannot live without them. Influencer marketing is particularly popular because it adds authenticity to the content you are delivering. Selecting influencers that naturally fit within your brand, while allowing them to hold onto their style means they’re able to create relatable content and in turn, this equates to better engagement.
But just how do you spot the right influencer for your brand? While the advantages of influencer marketing are clear, it can prove to be a wasted investment if you fail to spot the right influencers. It’s important to look beyond simple single-metric definitions such as web traffic and Twitter followers. Assess how influential potential candidates are offline…
Know your audience
Audiences are one of the main cornerstones of any influencer marketing strategy; you must ensure that your target audience is the one following a particular influencer. For instance, if you own a sportswear brand, you must sell products and to do so you decide work with a fitness blogger – you need to understand that not every ‘fitness inspo’ has the same kind of target audience. Some may target older women as their audience whilst others may target young males with different goals.
In regards to metrics, there are other important factors out there but reach is certainly something to consider. Avoid falling into the trap of just looking at unique visitors as a measure of reach; traffic and followers are only useful in regards to the influencer successfully reaching the chosen target audience of your brand.
If you’re a restaurant owner, a fitness inspo with a small reach is more influential than a photography blogger with 100,000 unique monthly visitors. You must note what other social platforms your customers visit – if you’re a car manufacturer, someone with a large following on Facebook or Instagram might prove more valuable than someone on Pinterest with a large fan base. It’s all well and good analysing their Twitter statistics or using an Instagram Influencer Agency but you must also understand the reason behind this.
Now, this is paramount as this is an indicator of how interactive a blogger’s audience is with their content and will be a huge determining factor in the success of this collaboration. Do readers comment, respond and share content? Look at how many readers are regular visitors and how many are new. How much readers engage with influencers and how frequently they return are a huge indicator of how meaningful those relationships are.
Of course, metrics are important but it’s also essential that you look at how much the potential influencer’s content would support your messaging – read through their archived posts for a sense of what kind of consumer they are. Just because a blogger posts workout routines, it doesn’t make them a guaranteed match for your sportswear brand. What are you looking for? It’s important to answer this question in detail as content and the audience of an influencer will always be more important than traffic generated.
Getting into a car accident can be a disorienting and traumatizing experience. During all the chaos that follows an accident, you might end up jeopardizing your chances in court without even realizing it.
That’s why it’s always a good idea to have representation after being involved in a car accident. But not all lawyers are created equated. Continue reading and we’ll help show you how to find the best car accident lawyer in your neighborhood.
Car accidents can be costly. Both to your body and your property. A lawyer with experience in the field will be more likely to help guide you since they’ve seen the kind of problems that their clients have to face.
They’ve most likely handled cases similar to yours in the past. They will know what works best in court and what won’t. This can help give you some peace of mind during this very hectic time.
After a car accident, you should look for a law firm that works on a contingency fee basis, like this law firm. When a lawyer works for a contingency fee, this means that they only get paid if you win your case. If you win, your lawyer will receive a percentage of the money you get.
When lawyers work for contingency fees, they have more skin in the game and thus have more of a reason to help you win. This also shows that your law firm is confident. Accepting contingency payments for car accident cases is fairly standard, so any firm that doesn’t operate this way should be avoided.
An average of 6 million car accidents happens every year. With a number that high, there are bound to be people who want to exploit these situations.
You want a lawyer who is going to be there for you when you need them. They shouldn’t view you simply as a paycheck. Because of the intricacies involved with car accident cases, your attorney should be orderly, organized, and timely.
If they take an excessively long time to receive your calls, that’s a bad sign. Also, if they lose documents or get important information wrong, that’s also a bad sign.
Thanks to the internet, it’s never been easier to see the reviews of all of your local businesses. General review sites like Yelp are great but you can also find sites specifically meant for reviewing lawyers.
Also, check out the website of law firms you are considering working with. See if there are any testimonials on their site and pay attention to what they are praised for.
Just remember that when you read online reviews, people can often exaggerate and be extreme. A lot of people tend to just write reviews when they are either feeling excessively happy or disappointed.
Choosing the Best Car Accident Lawyer for You
When choosing the best car accident lawyer for you, it’s important that you act quickly but also efficiently. Don’t just pick the first name that shows up online. Otherwise, you might end up worse off.
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