How to Handle a Car Accident

Accidents can happen to anyone at any time, and while everyone hopes they won't get into one, it's good to be prepared if you do. If you are a business owner it is still recommended that you have an insurance policy from a trusted commercial auto insurance services like the Academy West auto insurance services to ensure any damages and medical bills resulting from the accident don’t become your responsibility. . Read on to see some car safety tips to use if you get into a car accident and you will be in a much better place if you do get involved in one. Check For Injuries The very first thing you need to do after getting into an accident is to check if you or any passengers in your car are injured. If you've been seriously injured, don't try to move but ask anyone around you who can … [Read more...]

Keeping Your Teenage Driver Safe

Learning to drive is a major milestone for many teenagers. Having their driver's license gives them a degree of freedom they haven't had in the past. They're reaching adulthood soon and now they can explore what that means. However, driving is still a very dangerous activity that needs to be done responsibly. As a parent, it is your responsibility to keep your teenage driver safe and to inform him/her of other requirements like hgv insurance. You should also tell them the importance of keeping the car clean, consider giving them extra towels to wipe down the car and talk to them about hdpe sheets to keep the floor clean. Now you can start look into safety, if you are unsure how to do so, here are some tips to get you started. Encourage Healthy Communication Just because your teenager is … [Read more...]

5 Mommy Side Hustles to Consider

Many moms don't have the luxury of spare time, and even with so much to do, you may feel the need to start a side hustle. Here's a short and sweet list of five side hustles you could consider as a mom and earn some money on the side that you'll be able to use as you please. 1. Start a Crafting Business If you're creative and crafty by nature, you may be able to make some money selling your creations; for instance, you may start a yarn crafts business by first looking for soft chenille yarn for sale. This can start out as a relatively easy side hustle as you simply need to make some items, take amazing pictures of them, and then set them up on a platform of your choice. This could be Amazon, eBay, Etsy, Mercari, or any other that tickles your fancy. Depending on the results you get, you … [Read more...]

5 Ways You Can Learn About Starting a Side Hustle

Many people are thinking about starting up a side hustle to give their current incomes a boost. Whether you have a job or not, there are ways you can start a successful side hustle. Have a look at five ways in which you can learn about potential side hustles and improve your finances. Outline Your Skills The very first step is to outline all the skills you have and your areas of expertise. Finding your marketable areas of interest will help you know what kind of side hustles you would be most interested in. At this point, also think about the goals and objectives you want for your side hustle. This could be to simply make some extra cash, develop your career further, or start a business to which you will fully commit yourself after a while. Doing this will help you figure out the … [Read more...]

5 Financial Mistakes to Avoid When Buying a New Home

The best part of homeownership is that you're in control of your financial destiny. However you choose to spend on your home, you'll surely see a return on your investment, and an improved house altogether. While buying a new home, with the assistance of companies like Coldwell Banker Howard Perry and Walston, can be an exciting experience, patience is needed. Here are some financial mistakes you have to look out for when you're purchasing new homes. Make sure you have everything in order before you call in the local movers to help you into your new home. Rushing the Buying Process If you're moving too fast, you'll put money where it's not needed. You might make the mistake of paying a more sizable down payment on a house. The garage or roof might be more appealing or the exterior of the … [Read more...]

3 Facts All Millennials Need to Know About Estate Planning

You may not think about it now, but you will need to make some decisions about how you plan to manage your estate one day. Legal and financial advisors recommend that everyone have a plan for their future. There are many different ways to plan your estate; the best practices are those that work for you. One of the most common plans is a revocable living trust. For more information on this type of planning, read this article on three facts all millennials need to know about estate planning. What is a Revocable Living Trust? A living trust is a legal device that allows you to control your assets during life, even if you are incapacitated. It's an agreement between the person agreeing (the trustee) and at least one other person (the beneficiary). The trustee is generally your spouse, … [Read more...]

How to Be Safe in the Driver’s Seat: Drugs, Alcohol, and Other Distractions

We cannot account for how other people drive, we can only try to be safe on our own and with our driving. That does not mean that you are going to be able to avoid other drivers that might be under the influence of drugs and alcohol like the ones discussed on the website here. There are some things that you can do to stay safe while on the road, even with other drivers that may not be safe. Pay Attention and Alert the Proper Authorities The first thing to keep in mind is that if you are out driving and you notice that someone is driving suspiciously, you pay close attention and alert someone. Texas is the leading state for traffic accidents in the United States with over 3,770 each year. Of those, 25% were the result of a driver that had a blood alcohol content of over 0.15%, or twice … [Read more...]

5 Great Ways to Ensure Your Family’s Wellbeing

We're all doing our part to stop the spread of COVID-19 in our country and globally. It includes staying at home and avoiding large gatherings as much as possible. At first, staying at home felt like a mini-vacation where we could fill our hours with movie marathons, game nights, and quality time together. But, children and adults are all looking forward to returning to normalcy with playdates, outings, and actual vacations. COVID-19 is worrying and can affect your family's mental health. Here are five great ways to keep your family mentally healthy at home and during this year.   1. Investing in Self-Care Tools Like a Spa It's easy to get stressed during these pandemic times. Fortunately, there's a better way to combat anxiety and stress amongst your family members at home. Get … [Read more...]

Estate Planning Is More Necessary Than You Think

Last spring my husband and I decided to finally sit down and discuss estate planning or our lack thereof.  Before this discussion, we had previously done this back in 2006 when we had one child, not three, and our lives and careers were very different than what they are now. It was a cringe-worthy moment when we realized that the draft of our will only included our first child.  Our term life insurance was so out of date it didn't even make sense.  We were severely lacking a big picture plan and any of the small details that made it make sense.  We needed to have some detailed discussions, sit down with an expert, do our own research, and get quotes. Estate Planning and Term Life Insurance for Parents Estate planning, life insurance for parents, power of attorneys, and more are not … [Read more...]

5 Tips for Planning Ahead and Easing Financial Stress

No matter how well things seem to be going, financial concerns are ever-present for many Americans. It can be hard not to worry when you're facing financial stress, it helps to have a plan that can help ease some of that stress. Here are some helpful suggestions for planning and easing the financial stress you may be facing: Figure Out Where The Stress Is One of the biggest reasons you may not feel confident about your finances is that you may not know where the stress you feel is coming from. You must work to identify the money issues that are keeping you awake. Whether you have bills coming due or you're floundering in credit card debt, you need to pinpoint the source of the stress. Keep a shortlist of your biggest money challenges and revisit your list every few months as your … [Read more...]