Month : July 2017

Wedding

A Tale Of 2 Wedding Registries

So my wedding my fiancés wedding is coming up in a couple of months and we recently went on an adventure of registering for gifts for people to lavish upon us. As I’m not one for receiving, it’s not really something I was looking forward to. But it wasn’t as bad as I thought it was going to be.

Since we went to 2 different places we had 2 completely different experiences.

Bed Bath & Beyond

I’m just going to say that I hate when I get a great experience at the first place I go to because it just means the last place will leave a bad taste in my mouth. Bed Bath & Beyond was by far the best place we went to. They have a whole setup just for registering with someone to help you the whole way.

At first I didn’t think I was going to like it because I like to go at my own pace but it actually helped get it done at a nice pace and they were really helpful. We honestly didn’t know everything that we should be getting so having that person to be able to tell us that most other people chose this vs this. That really helped us decide and I really enjoyed it.

We picked a lot of items and just had a really good time. They also told us that they have regular get togethers of people that register there where they give out door prizes and everyone gets 20% without needing the 20% off coupon they send in the mail to everyone every week without solicitation :)

But I really didn’t know how good we did until we went to the next place to register.

Target

Honestly, I didn’t really want to register at more than 1 place because I feel like it gives people too many choices. But Beth really wanted to go so of course I had to go. She said she wanted to give a cheaper option to people and my endless attempts to say we did pick cheap items at BB&B went unanswered.

But, target has the setup that I wanted in the first place, you get to do it all by yourself without their help. You just go up to a computer and put in your information. One of the questions they asked is if you want people to buy us gift cards. At first we said yes but decided to go against it an later changed it back to no. People always have the choice of buying gift cards so I didn’t really want to push them into that direction.

So we got our guns and went off around the store…it was not as good as I thought it was going to be. Target is huge and there’s really no direction to go in. So we basically just walked aimlessly around the store picking some things that we liked.

At the end we picked a lot less items than at Bed Bath & Beyond because we just didn’t have any direction. So take that hint Target.

So was it really a bad experience? No, I would just say it was a different one. We don’t really know what we need, So getting direction at BB&B really helped us out and created a great experience for us.

Target would be for people that know what they want/need and don’t need any direction.

But I’m going to have to give props to BB&B for the great service and recommend them to future husbands and wives out there.

What experience have you had registering?

Money Management

Serious Saving – The Only Way To Safeguard Your Future?

Many people associate “saving” with “scrimping” – but is it really necessary to cut out on luxuries to build up your savings? Obviously, avoiding outgoing expenditure is an easy way to guarantee you have some money leftover to put into your funds – but an equally important part of saving is what you actually do with your money once you’ve set it aside.

The olden days of storing wads of £50 notes under the mattress are long gone, as savvy savers know they can take advantage of the huge number of savings products on offer to the general public. With the advent of the internet, it’s easier to compare savings accounts, and switch providers, than ever before.

Simply relying that your current account bank offers you the best long terms savings plan may be a costly mistake – with just an hour’s research, you could save hundreds or thousands by checking interest rates against the competitors. Sometimes there are factors to consider beyond high interest rates, such as easy access, initial deposit requirements or support for additional services like loans; regardless, looking at the market as a whole will help you.

The most efficient products to consider will be online savings accounts and cash ISAs. The latter can be especially high-yielding as these savings will be entirely tax-free for that financial year. However, there are limits on how much you can deposit (currently £5,640 – though with a stocks and shares ISA you can invest up to £11,280), which means if you are planning to invest significant amounts you will have to expand your portfolio.

Taking control of your savings accounts may not be the most entertaining thing you could spend your time doing – but if you think about how much enjoyment you could get out of the money you save, you’ll see how it is easily worth it.

Investing

Investing in Gold by Collecting Gold Coins

Have you ever considered buying coins as a hobby or for investment purposes? If you haven’t, then you should start doing that now. Today, our bank and stock trading accounts are present online. Moreover, most of our purchases happen electronically. Nowadays, we hardly get to see our money as a tangible object. For this reason, buying and investing in physical or solid gold such as gold bars and coins gives you an extreme sense of satisfaction. So, how can you buy the aforementioned-gold and use it for investment purposes? Let’s find out.

Why Invest in Physical Gold?

One of the few investments that you can physically store, gold is able to preserve or increase its value over time. So, you can investment in gold by simply buying it. For investment purpose, you can buy physical gold such as gold bars or coins. Buying and investing in physical gold such as gold coins is a sensible thing to do due to the following reasons:

  • When other investments decline, gold tends to go up
  • Gold provides a defensive wall against inflation
  • Until you sell the it, you don’t have to pay tax on the gold you hold
  • If you want, you can keep your gold assets/investments a secret
  • You can use the physical gold owned by you buy and sell in case there’s massive currency devaluation or other similar adverse financial situations

The astounding increase in gold and silver prices has led many people to buy platinum, gold and silver coins. You can buy these investment instruments at a fair market prices form a reputed coin dealer. However, you should thoroughly research the dealers before buying from them as there are many fraudsters looking to sell you the coin for much more than it’s actually- worth.

Before you buy the coin from any dealer, find out as much about the dealer as you possibly can. To ensure you aren’t paying ‘more’ for the coin, find out how the price of the coin offered by dealer compares to the price to the coin offered elsewhere.

How to Make an Informed Decision

When buying physical gold, it is important to ensure that you’re purchasing the gold at a fair market price. By doing this, you’ll brighten your chances of making a profit on the gold in the future. Now, to make an informed purchase, you need to consider three crucial factors. The first is the actual cost per ounce of the coin, the second is the timely delivery of the metal and the third is the collector’s value of the coin versus the bullion value. By considering the aforementioned-factors, you’ll be able to make an informed purchased which in turn will help you make a profit on your gold investment in the future.

Collecting coins made from gold is a good way to invest in gold. Using the aforementioned-information, you can buy the coins in a way that allows you make a profit from your gold investment in the future.

Business

Why you should start your own business

Starting your own business is challenging. It will drain you on both a physical and emotional level as you battle with anxiety, fatigue and doubt. It will present financial obstacles and risks that will determine your future. So, why do so many people take the leap to chase their business dreams and become entrepreneurs?

There are just as many, if not more, positive reasons why people start their own business. Here are just a few that may convince you to do the same:

  • You’ll be able to do something you love

There’s nothing worse than dreading going your day job every day. Starting your own business gives you the opportunity to do something you love and make work your passion. As a result, you’ll have more drive, be more inspired and be more willing to go the extra mile.

  • You can establish a work/life balance

It may take some time, but one of the pros of owning your own business is that it offers flexibility. You may be able to set your own hours, work from your chosen location, hire who you want. Once established, you’ll be able to develop your own schedule that helps you achieve a work/life balance you’ve always desired.

  • You can enjoy tax benefits

Found a good retail space for sale but worried about all the costs? Thankfully, owing your own business comes with some good tax perks. You may be able to write off the cost of your car, phone bills, travel, equipment, and so on. You may even qualify for a government incentive that will help fund the cost of renting or buying a space for your business.

  • You’ll build a strong network

Initially, starting a business on your own can feel isolating but it also gives you an opportunity to build a strong network of like-minded people. You’ll be able to swap stories of the challenges that come with entrepreneurship and even find the right mentor that will help guide you on your journey.  

  • You’ll gain financial independence

One of the biggest reasons people take the leap and work for themselves is financial independence. Whether it’s increasing your wage or growing your savings to buy a house or secure your retirement, establishing your own business can offer that and more.

  • You’ll build something to pass on

Owning your own successful business gives you an opportunity to proudly pass it on to the next generation. One day, your passion may become your child’s passion allowing you to watch on as your business expand beyond your original expectations.

  • You’ll grow

By far one of the best outcomes of starting your own business is the growth you’ll experience as an individual. Your knowledge will expand, you’ll develop new skills and you’ll become more resilient. You’ll never gain this growth working for someone else.

Top tips for starting your own business

Feeling inspired to take the leap of faith? Here are a few tips to get you started:

  • Develop a detailed plan that outlines your mission, goals and deadlines
  • Understand your financial commitment and establish a budget
  • Know the ins and outs of your customer
  • Find your point of difference that sets you apart from similar businesses
  • Get out there and network seeking advice and mentorship
  • Remain determined. Don’t give up when you’re faced with the first road block.
Money Management

Estimating the Worth of Your Personal Injury Lawsuit

If you have been involved in a slip and fall, a workplace or an automobile accident or any other kind of injury, and considering filing a personal injury lawsuit, you may well be thinking if it would really be worth the trouble and the expense. You will only be able to answer that question by figuring out the cost of the injury, not only in monetary terms but also in terms of physical and mental damage, besides any need to punish the conduct of the defendant.

Monetary damages in a personal injury case are paid to the person who is injured by those who have been established legally as having been responsible, the defendant. If the defendant is insured, then the insurer will need to pay. If the compensation cannot be mutually settled between the plaintiff, the defendant, and their lawyers, it will have to be decided by a court of law after a trial. Some of the common types of personal injury damages:

Compensatory Damages

Most often, damages arising from personal injury are termed as compensatory, which means that a sum of money is decided upon to compensate the plaintiff for the loss incurred due to the accident or injury sustained. While reimbursements for damage to property or for medical bills are straightforward, it can be quite difficult to put a dollar value to the suffering or pain or inability to perform certain things due to lingering physical limitations. Some common compensatory damage types:

Medical treatment: You can expect the damages awarded for personal injuries to include the cost of medical treatment, whenever the accident has resulted in a physical injury. The bill can be settled directly by the defendant or the insurer to the hospital or the plaintiff can be reimbursed the amount of actual medical treatment received. In case, there is any medical care that is expected in the future, then the amount is estimated and paid to the plaintiff.

Income: If due to the accident you have not been able to attend to your work and this has resulted in the loss of salary or wages, the amount that you have lost will be included in the award. In case, the injury is estimated to affect your future earnings, then the award will also include the amount of future income expected to be lost. Typically, Atlanta lawyers term this as the plaintiff’s loss of earning capacity.

Loss of property: In case, any assets belonging to the plaintiff have suffered damage due to the accident, the award is likely to include a reimbursement of the amount required to repair or replace the asset as per the fair market value of the damaged or lost property.

Pain and suffering: If you had experienced pain and discomfort of a serious nature during and after the accident, then you can ask for a suitable compensation. Emotional distress leading to anxiety, fear, or even loss of sleep is also eligible for compensation.

Loss of enjoyment: If due to the sustained injury, you are not able to enjoy recreational activities, hobbies, and fitness workouts, you can ask for the award to include compensation for loss of enjoyment.

Loss of consortium: When the injury suffered due to the accident prevents you from enjoying a normal relationship with your spouse, including sexual relationship or companionship, then you may be eligible for appropriate compensation. Some states may also include the loss of relationship with a child in the damages.

Punitive Damages

In addition to the compensatory damages, if the circumstances of the accident point to a complete lack of care and caution on the part of the defendant, you may be eligible to be awarded punitive damages. The real objective of the award of punitive damages is to punish the defendant monetarily so that it acts as a deterrent to not only the defendant but also sets a precedent for others to keep in mind. In the past, there have been a number of cases, where punitive damage awards have been in millions of dollars due to the nature of the accident and the extent of its fallouts.

Conclusion

Since the fallouts of accidents leading to personal injuries are many, you need to carefully assess the damage that has been caused and file a lawsuit that includes the necessary compensation. Consulting a competent personal injury lawyer is the best course of action.

Author bio; Nick Wayne is among the most reputed Atlanta lawyers in the domain of personal injury cases. He has successfully led the fight against large corporations that cause damage to individuals with their careless behavior.