Month : July 2018

Insurance

Car Insurance and You

There’s a surprising amount of people that really don’t know much about car insurance. That’s surprising considering the tech age we live in and the importance of car insurance in our lives. IT’s required by law if you plan on driving your car around, so it’s definitely something that you need to know more about and understand the basics of.

Just because you think you’re the best safe driver on the road doesn’t mean that you should get the lowest amount of coverage available to you. That’s missing the point of car insurance completely.

The most basic car insurance isn’t to cover you, it’s to cover the person you happen to get into an accident with. It’s so everyone’s not out there driving reckless because they won’t have to pay a dime to other people they get into an accident with.

Even with the best driving record, there’s always a chance someone will come out of nowhere and somehow end up hitting your vehicle. Going for the legal minimum for insurance just to save a few bucks isn’t necessarily the best course of action. You can leave yourself open to all sorts of liabilities in the event of a car accident.

The best way to save the few bucks is by shopping around for cheap auto insurance quotes, not skimping out on coverage that can save you a lot of money in the unforeseen future. This is especially true if your state happens to be a no-fault state.

So be sure you know what coverage is best for you and shop around for the best deal. Make sure it’s a reputable company you sign up with. You don’t want to file a claim and end up with a shady insurance company that denies it and ends up making you pay out of pocket a boat load of money.  The internet is your friend when it comes to that kind of thing. Look around and read reviews to see the best company to go with and find the best deal for you that will cover you when you actually need it.

Passion

Every Minute Counts

One of the greatest equalizers in life is time; or more specifically, the amount of time that we all have at our disposal. You will often find this to be the subject of many Twitter and Facebook status messages or of rants and excuses during an informal discussion over beer and chips. Simply put, there are simply too many things to do and not enough time to do all of those things. 

That sore subject is particularly vexing when we talk about maximizing our earnings potential. The crux of the matter is this: there isn’t enough time to pursue multiple interests and earning avenues. If we work at an office, chances are that we do not have time at the end of the day to do anything else. If we manage a business, we are almost always queued into that business with no room to pursue other interests. We sit for a minute or two of rest and the next thing we know, we’ve lost an hour on the clock. 

And then there are the distractions. The internet is a particularly worrisome opponent. People spend inordinate amounts of time on Facebook and Twitter without having anything to show for it. We watch too much TV and regularly visit the cinemas. At the end of it all, we are stuck with the truth that we are spending more than we are earning. The truth about our personal finance is that the balance just plainly doesn’t exist because we are not able to put in as much time as we want towards earning via secondary means. 

Ask your friends and you will find this to be an almost universal dilemma. 

It is actually for this reason that the infographic below is a real eye opener for anyone that wants to earn more but just can’t find the time to do it. Ask yourself this: what can I accomplish in 10 minutes? If you say, “not much”, then think again.

 

What Can be Done in 10 Minutes – An infographic by QuickQuid

Now, ask yourself this again: what can I do in 10 minutes?

The answer is entirely up to you, and it most certainly isn’t “not much.” When you begin cutting all the slack here and there, you will undoubtedly find more time to grow your business and help your personal finances. All it takes is perspective, and some serious commitment to time management. 

QuickQuid.co.uk is the premier online provider of payday loans in the United Kingdom. Its quick, convenient services have helped over half a million Britons bridge the gap between paydays from the comfort and privacy of home.

Business

5 important things that you should know before hiring a dui attorney

Statistics show that every year more than one million individuals are arrested for driving while under the influence of alcohol and narcotics. When you are arrested for DUI for the first time, it can be quite a challenging and stressful experience. It is important that you prepare yourself to face the case when you are informed. Finding a good attorney can help you get the best outcome for your case. Here are a few things that you should consider before you hire the right attorney for your case. 

Qualifications

DUI field is quite a complex legal field according to Perth based criminal lawyers, it is one of the most complex. Therefore, you should consider the qualifications of the attorney before picking one to represent you. Make sure that the legal representative is licensed by checking the State Bar website. You should also confirm the ethical records of the lawyer to avoid professionals who have complaints filed against them by previous clients.  A good attorney will have extensive training in law and will have enrolled for additional courses to ensure that he/she is up-to-date with the current DUI regulations and laws. 

Legal fees

Before you hire a lawyer, you should consider his/her legal fees. This is crucial because you do not want to exhaust all your finances just to pay your lawyer. On average, DUI attorneys will charge you a fixed rate or on an hourly basis for their services. Therefore, make sure that you know how much the attorney charges and try to negotiate the charges so that you can save some cash. However, the fee you pay should not affect the quality of the services that you receive.

Cases handled 

You should know the number of cases that the attorney has taken to trial. A lawyer may have the experience and the education, but may not know how to prepare the best case for you. Therefore, you should only choose an attorney who has successfully helped people in their cases. You need a legal representative like the Canton DUI Attorney who can confidently represent you in court especially if your DUI charges include personal injury, loss of life or a felony.

Initial Consultation

Before you settle for an attorney, you should ensure that you have a face to face consultation with your lawyer. This will help you to get to know the lawyer and ask all the questions that you may have. Make sure that you determine your comfort level with the advocate and only choose one that you can work with. Your criminal case may take time and you need a professional you have a good rapport with. 

When choosing an attorney, it is advisable to always go with one from your locality. This is because criminal law and regulations vary from state to state. Therefore, you need a legal representative who understands the law that governs your State. This will give you an upper hand in your case and your lawyer will have contact with other lawyers in your State. You should create a list of several prospective lawyers in your area. This will help you choose the right person for the job. 

Author Bio

Fred Mowers is a renowned DUI lawyer. With over 8 years of experience in Criminal law, he has helped many clients dealing with criminal cases. If you want to hire a lawyer, Fred is the best legal representative that you should consider.

Extra Income

How To Make Money Taking Surveys While Avoiding Scams

Make Money Taking SurveysI’m going to show you how you can make money taking surveys while avoiding the scammers. It should come as no surprise that companies offer paid surveys. All companies need a lot of data in order to know the preferences and tastes of their consumers. Not everyone is open to taking surveys for free that takes up a lot of time. What companies are looking for is extended research and thus they need you to answer a lot of questions about their product and your experience using it. Thus, they offer you the opportunity to make money taking surveys.

Make Money Taking Surveys

A number of companies offer small incentives for taking their surveys. This might range from a small free entre at Panda Express to a discount coupon at JC Penny. The fact is, companies are always looking for user experience and do not mind paying for surveys.

Thus there are legitimate companies out there that offer hard cash for your time while you make money taking surveys. However, there seem to be more sites on the internet that are scam than the genuine ones. It is very important to avoid the scams because you will simply be wasting your time.

Avoid The Scams While You Make Money Taking Surveys

There are several ways to spot the scams. Is the survey promising huge money for a little time? Remember, there is no free lunch, and most surveys go by a standard $8-$20 per hour. Thus if the survey takes about half an hour to complete, you can expect to be paid an amount of about $4-$10. Sometimes you might be paid more but no company is ever going to pay you hundreds of dollars for a simple survey. Any promise of a disproportionate amount of money is bound to be a scam.

It is always better to read the reviews online before trusting a company. A simple Google search with “ scam” should tell you what others think of the company, whether they got paid and if they think it is a scam.

Since companies do not directly reach out to all consumers, they outsource the job to third parties, which will provide you with the required surveys. Thus you will generally need to join a company that collects a number of surveys and depending on some demographic and other information, will provide you with surveys that fall in your categories.

A lot of companies give you a small fraction of money made by your referrals, so you can choose this path to increase your earnings. You should first make sure that the site is genuine and not a scam, and then forward the information to your friends and family. You might also want to attach your payment proof (like a screenshot of your PayPal transaction showing you getting paid by the company) so your friends know this is not a scam.

Just follow those tips and you will avoid the scams while you make money taking surveys.

 

Passion

How Women Can Get Ahead in a Tough Economy

Women have made great strides in the workplace over the past few decades, but the sad fact is that their earnings, in most fields, are lower than those of men who work in similar positions and have similar education. By some estimates, women only make 80 cents (or less) to every dollar a man earns. Understandably, many women are frustrated by this inequity.

As a result, women are on the lookout for ways they can get ahead. Small changes can make a big difference in how you are perceived in the workplace, and how much you see in your paycheck.

Learn New Skills

You were first hired for your skills and knowledge, but that doesn’t mean you should rest on your laurels and assume that your existing abilities will bring take you to the top. The business world is constantly changing. It’s up to you to stay on top of the developments and enhance your abilities accordingly. This might mean attending conferences or workshops on topics related to your field, seeking out training opportunities or even an advanced degree like a master in health administration.

Find a Mentor

Some companies have formal mentorship programs that pair upper-level executives with less experienced workers. A mentor can provide feedback, access to the inner workings of the organization and advice on how to handle issues that you might face day-to-day. They can prove to be valuable allies as you climb the corporate ladder. If you don’t have a mentor, consider who in your organization you might connect with. Discuss the possibility of developing a closer working relationship.

Take Risks

One reason that women don’t get ahead at work is they resist taking risks, instead waiting until the “time is right” or they feel more comfortable with whatever it is they need to do. However, to land the highest-paying healthcare management jobs for example, women must be willing to get out of their comfort zones and do things that might make them nervous, but will pay off in dividends later. That might mean volunteering for a high-profile project, proposing a major process change or speaking up more often with more force.

Promote Yourself

Experts say that too often, women wait for others to promote them in the workplace. And, all too often, the accolades they deserve are late in coming, if they come at all. Women who want to get ahead need to be self-promoters, letting their superiors know about their accomplishments. That doesn’t mean being a braggart, but sending your boss a quick email to let her know that you’ve made significant progress on a problem or facilitated a major win for the organization will get you noticed.

Be Visible

If you show up to work every day and hide in your cubicle, performing your work and going home, you’re never going to get to the top. Don’t be invisible. Make it a point to network within your organization, chatting up everyone from the mailroom manager to the executive sharing the elevator. Be the friendly face that is interested in others’ work. Attend networking events outside of work as well. Work cocktail parties or golf tournaments might seem dull, but that’s when you can get the real scoop and make the contacts that will help later.

How far you can go in your career depends on a number of factors, including the organization you work for, the demand within your industry and how you manage your own career. Develop a strategic plan for getting ahead and reaching your goals, relying on your skills, talents, knowledge and network. If you do, you’ll contribute to closing the gender wage gap. 

About the Author: After working in health care communications for almost two decades, Patti Babcock recently returned to school for a master’s degree in health care management. 

Image Source: http://www.freedigitalphotos.net/images/Business_People_g201-Smiling_Woman_Looking_At_Camera_p123151.html