Tag Archives: advice

Alternative Ways Of Helping People For A Living

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Alternative Ways Of Helping People For A Living

When you picture a career that involves helping people, you usually envision jobs in medicine, law, education, or even management. On one hand, these are very easy industries to get into; you find out what to study, get the relevant experience, and then hope that you’ll soon start making meaningful contributions to society. However, these are just some of the ways that you can lend a hand to your fellow man. Maybe you can see yourself happily employed in one of the aforementioned industries, but if you’re still hoping that there’s another way for you to help people, here are a few suggestions to inspire you:

Life Coach: Life is definitely not a walk in the park. Everyone goes through periods of self-discovery, but there is also a lot of confusion during those periods. We all know what it’s like to not know what you want to do with your life or what job you want. You could help all these confused masses by becoming a life coach. You don’t need to go to a fancy school to get qualified; you can get life coach training from animascoaching.com or any other online accredited course. As a Life Coach, you can help them narrow their focus and help your clients to close the gap between where they are now and where they want to be. There are elements of counseling and behavioral therapy involved, but you don’t need any kind of prior experience to get started.

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One of many ways to help!

Massage Therapist: Looking after people’s health is not just limited to a career in medicine or psychology. More and more people feel increasingly stressed at work or they’re in a lot of pain after they’ve been injured. As a massage therapist, you could help ease some of their tension, help them unwind, and even recommend a few therapies that they could try at home between treatments. The best part for you is that you don’t need to save up hundreds of dollars to get qualified – all you need is a certificate or diploma, and then you can work your way up through a spa. The most important thing that you will teach your clients is that it’s okay to take a break from the world and indulge in some “Me-Time” every once in a while. It will leave them better equipped to continue taking on challenges in their daily life.

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Ahhhhh 🙂

Personal Trainer: Everyone is worried about their health, especially when they’re very aware that they live a mostly sedentary lifestyle. Fortunately, you don’t have to be a doctor to help people get their health back in good condition. Personal trainers can also specialize in diet and nutrition so that they can help their clients completely overhaul their unhealthy lifestyle. There is more than one way to become a personal trainer, so you can choose to enroll in a full time intensive course or get qualified in a part time course so that you don’t have to give up your day job. Seeing your clients get happier, stronger, and healthier, will be a fulfilling way to live your life.

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Oh yeah!

Although being an ER nurse is most admirable, it’s not the only way to help out those around you, as you can see from this post! Happy weekend!

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Understanding Reverse Mortgages

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Understanding Reverse Mortgages

A reverse mortgage is a way to increase the money that you have during your retirement by accessing part of your home’s value in the form of actual money. You can borrow up to a certain percentage of the value of your home, and you won’t have to pay it back in the same way that you would a regular home loan. The only monthly installments involved will be the ones that the lender pays to you, unless you request to borrow a large amount at once. You can pay back a reverse loan whenever you want, as long as you don’t move away.

As soon as you leave, the lender can exercise their right to call in the loan, and they can also sell the home to get their money. But, as long as you plan to stay in your house for a while, a reverse mortgage can provide a much needed financial boost in times of trouble.

Who qualifies for a reverse mortgage? There are certain requirements in order to qualify for a reverse mortgage. An individual must own their home outright. If there is still a mortgage balance owed, it must be low enough that it can be paid off at closing. The homeowner is still required to pay property taxes and insurance, so they must have the finances to do so. The individual must be at least 62 years old or, if there are multiple owners, the youngest must be at least 62 years old.

When does a reverse mortgage become due? The reverse mortgage becomes due when the homeowner sells the house, moves out of the property, or becomes deceased. If there are multiple owners, the mortgage does not become due as long as at least one of them still remains in the home as a primary residence. Once the reverse mortgage is due, the balance of the loan must be paid back within six months.

What happens with the estate? In the event that the homeowner or owners are deceased, beneficiaries of the estate can choose to place the property for sale. If the estate sells for more than the amount of the reverse mortgage, the proceeds become the property of the beneficiaries. Should the house sell for less than the total amount of the reverse mortgage, the lender must take the loss. The debt cannot be passed along to the heirs of the estate.

The estate beneficiaries may, instead, choose to pay back the reverse mortgage in order to retain ownership of the property. In this event, they must pay back any balance remaining on the mortgage. This can be done either by using financial assets or by refinancing the mortgage.

What if I change my mind? If a senior citizen obtains a reverse mortgage and then reconsiders, they have the option of paying back the loan early. Prior to September of 2012, lenders could charge a penalty for repaying the loan prior to term. Since then, penalties for prepayments are illegal. However, lenders may charge other administrative fees for processing the early discharge of the loan.

Reverse mortgage counseling: Deciding if a reverse mortgage is right for you depends on many factors, and consumers need to understand all of the pros and cons. An impartial reverse mortgage counselor can fully explain exactly what the loan entails. This counseling is mandatory in order to protect consumers. Counseling may be done face-to-face or over the phone. After providing counseling, the counselor must sign an HECM Counseling Certificate and mail a copy to the homeowner. The copy is presented to the lender along with the reverse mortgage application.

Let’s be honest, any type of financing when it comes to your home can be confusing. It is always best to handle your affairs with the utmost care and to consider how each of your options, like a reverse mortgage, fits into your current lifestyle.

Featured Image By: Flickr

Is There Such A Thing As The Ideal Career?

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Is There Such A Thing As The Ideal Career?

Many people dream about having an ideal career. However, lots of people don’t even know what that would be – they just assume that the job they have now is not it. How can you find your ideal career? Is there such a thing? Read on…

Surprise! There Is No Such Thing!

First of all, there’s no one ideal career for you. There will be multiple. This is actually much better than there being only one. You have more choices and less pressure to find that one dream job in all of the world to rule them all.

Finding An Ideal Career (There Are Multiple!)

Finding your ideal career is all about considering your skills and qualifications, as well as the things that you have an interest in. You should be passionate about what you do, considering that you’re going to be doing it most days. If your job doesn’t challenge you and interest you, what’s the point? Start brainstorming things that you enjoy and then write down anything you can think of that comes to mind.

Find Out As Much About The Career As Possible

If you think that you have an idea for one of your ideal careers, find out as much as possible. Is there anybody you can speak to who could give you insider information? Make sure you consider the lifestyle that will come with the career, too. What hours will you be working? How much time will you have off every year? What are the benefits included in having that job?

Figuring out what one of your ideal careers may be can be tough. It’ll help to know the differences between the following sectors:

University of Southern California Online

With the advice above from this amazing infographic, your dream job is only an application away!

Featured Image By: Flickr

Productivity Boosting: Simple Guidance For New Company Bosses

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Productivity Boosting: Simple Guidance For New Company Bosses

When anyone starts a new company, they often have to navigate many different stumbling blocks. If the individual manages to do that successfully, they should have a profitable business on their hands. However, there will come a time when it makes sense to implement new measures to boost productivity and efficiency, which helps to increase profits and ensure that the company can satisfy as many clients or customers as possible. The problem, is that most new entrepreneurs have no clue where to start. With that in mind, the guidance below this introduction should assist in providing some advice. Use one or more of the strategies mentioned in this post to increase productivity and take the brand to the next level:

Educate Employees: Sometimes the best way to increase productivity is to provide educational opportunities to the workforce. With a bit of luck, that process will help employees to learn new skills that they can apply to their roles within the company. The business owner just has to work out which course is most appropriate. Most entrepreneurs won’t want their workers to spend too much time out of the office. For that reason, it makes sense to select online programs that allow employees to gain their qualifications at home. MBA management online degrees could benefit people in team leader positions. Likewise, anyone working as part of the marketing team would learn the latest techniques from advertising and promotional courses. Employers just have to:

  • Present workers with suitable education programs
  • Offer to pay for the courses
  • Provide support for all learners

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Knowledge is power!

Make Use of the Latest Technology: There is no getting away from the fact that we are living in the digital age now. New technology reaches the market every single day and business owners need to keep their fingers on the pulse. Failure to do that could mean that the company never reaches maximum productivity and it could also mean that the brand loses out to their competition. Many different software packages could assist in reducing workloads and making the operation more efficient than it was in the past. For instance, entrepreneurs might like to invest in:

  • Cloud storage
  • Accounting software
  • Inventory software
  • Social media management tools
  • 3D printing technology

Many tech blogs and websites release articles discussing the latest advancements. It only makes sense for business owners to bookmark those addresses and take a look at new posts every day.

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#technology

Offer Bonuses to Workers: Human beings are simple creatures and they tend to respond well to incentives. Bosses who want their employees to go the extra mile should offer financial bonuses. People who do that should notice a vast improvement in productivity almost immediately. The process is much the same as dangling a carrot in front of a donkey. Of course, some companies don’t have enough money in their accounts to hand out cash bonuses every week. In that situation, it’s wise to think of some alternative perks for employees who make an effort. For instance, bosses might consider offering:

  • Cinema tickets
  • Food vouchers
  • Alcoholic drinks (for the weekend)
  • New job opportunities
  • Workplace discounts

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$$$$

Know When to Outsource: Most business owners have read about the process of outsourcing in the past. However, a significant percentage of entrepreneurs never push ahead with the idea. That is a terrible mistake to make for anyone who wants to boost productivity. There are going to be many tasks within the company that take a long time to complete. It often makes sense to employ outside specialists to handle those processes. For instance, many firms choose to outsource their customer service departments these days. That is a fantastic move because it means other people deal with correspondence and employees can focus on pushing the operation forward. Customers don’t know the difference because the business owner will create a script for the call center staff to follow. Other jobs individuals tend to outsource include:

  • Parts of the manufacturing process
  • Marketing and promotion
  • Accounting and bookkeeping
  • Human resources

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Move Towards Automation: Experts claim that automation is the key to success in the modern business world. That is especially the case for people who own manufacturing companies. There are many specialists out there who develop custom-built robots that can perform many tasks without human interaction. Automating the production process would mean business owners can get their products made in the fastest time possible. It should also mean there are fewer mistakes than before and the items are made to the highest of standards. However, even those running an office can benefit from automation. With the right tools, it’s possible to automate:

  • Employee salary payments
  • The recording of financial information
  • Inventory monitoring
  • The placing of supplier orders

Business owners just have to search online for the best-automated software packages. If they can’t find anything suitable, the entrepreneur should get in touch with developers. There are people out there who will build almost anything for a price.

Remove the Weakest Links: Just as company bosses have to reward hard workers, they also need to remove the weakest links from their team. If there are employees who show up late every day and never perform as expected, it’s time to terminate their contracts. Of course, all employers will have to follow a standard disciplinary process to avoid any disputes. Some workers will say mistreatment has taken place and that can result in them taking the boss to a tribunal. However, that should never happen if the entrepreneur treads carefully. Anyone who needs to understand the process should get in touch with experienced lawyers. People in that profession know how to get rid of useless workers without creating repercussions. Listen to their advice and put it into practice. In most instances, company bosses will have to:

  • Give the employee a verbal warning
  • Offer two written warnings
  • Present the employee with a final warning
  • Hold a meeting to discuss the situation
  • Fire the employee

People who follow that strategy will have done everything possible to resolve the issue in the eyes of the law. While some ex-employees might try to take the business to court, they will not succeed in their bid for compensation.

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Bye bye!

Remain Flexible: All entrepreneurs should aim to stay as flexible as possible when it comes to their working processes. That is the only way to ensure that they always maximize profit potential. Maybe a new piece of software appears on the market that could slash working times in half? Perhaps a new material could assist in reducing the cost of product production? Only those with flexibility will manage to implement the changes quickly and reap the rewards. Time is often of the essence when it comes to making use of new ideas before the competition. All company bosses should ensure that they can change any part of their operation at the drop of a hat. Strategies for that might include:

  • Ensuring all departments are self-reliant
  • Improving workplace communication channels
  • Employing experts who can adjust the structure of the company quickly

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The tips and tricks listed in this article should be enough to point all entrepreneurs in the right direction. Boosting productivity can help to increase profits and make sure that the business has enough capital in its accounts to expand. Failure to use the advice from this page could mean the company becomes set in its ways. That is the worst thing that can happen to any modern operation, because it is only a matter of time before a rival blows it out of the water. Out of all of the guidance in this post, remaining flexible is the most important, so start working on that as soon as possible!

Featured Image By: Flickr

The Fallout: Steps To Take After Suffering Extreme Damage To Your Home

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The Fallout: Steps To Take After Suffering Extreme Damage To Your Home

It’s never something we would like to think that would affect any of us, but with the rise of inclement weather all over the world, it seems more and more likely with every passing year that your home will be involved in some kind of disaster. Whether it be a flood, tornado, earthquake, or a fire, it is a terrible situation to be in. But what happens after the event to your home and to you personally? Let’s try and address the issues about how to repair all the damage after a disaster.

The First Thing To Do:

The first sort of call when it comes to a disaster happening to your home, once everybody is safe, is to get in contact with your insurance company and file a claim. Depending on whether you are renting your home or not, you would still need to make a claim based on the damage to your property or your worldly possessions. It’s your prerogative at the start whether you would want to use a loss adjuster to deal with the entire process of the claim, which could help with the buildings insurance, contents insurance, as well as providing emergency accommodation. And the sooner you are able to engage with one, the bigger the burden they can remove from your shoulders. Once you have met with the loss adjuster, they will undertake a fact-finding mission throughout your property, and based on the circumstances of the claim, forensic specialists may be called to undertake an investigation, especially if this was a house fire to determine the cause.

The Next Steps:

Once you have met with the loss adjuster, they will submit a report to the insurance company based on the circumstances surrounding the disaster and they will also recommend whether the insurer should pay your claim or not. They will make a decision on whether the policy you have is sufficient enough to cover the damage, which is a big problem a lot of policyholders have, being “underinsured”. From there, the emergency contractors will be appointed to carry out any works that are urgent, and this could include water damage restoration companies, which will provide their own investigation into the causes. If you have issues in your home with things like running water, they will provide a restoration plan for you.

Other companies may weatherproof your property or make your home more secure by boarding up the windows or covering the roof. It’s important to note that the insurers might not pay for this work until the claim has been processed, so it would be your responsibility in the meantime to prevent additional damage to your property. After this, the surveyor will assess the overall damage to your property and put together a plan for the reinstatement of it.

The Contents Claim:

If your home was very badly damaged and all of your possessions have been destroyed, it’s important for you to make a detailed list of all of your contents including the cost for replacements. A lot of insurance companies act on a “like for like” basis. But if you are claiming for things like clothes and bedding, they are replaced on what is called an indemnity basis, meaning that there will be a reduction in their value based on the wear and tear of your original items. And if you’ve got a lot of high-end items such as electronic equipment or designer clothes, you need to provide the proof, the makes, models, etc., before the insurance company will accept the claim completely.

The Personal Impact:

As it would be expected, the process of dealing with loss adjusters and the insurance company can be a trying one, especially if you are without a home. During the process, you will be in temporary accommodation, and this could be the emergency accommodation provided at the outset of the disaster. After that, you would have to find long-term temporary accommodation that suits you and your family during the restoration of the property. This can be difficult to acquire, especially if you have a big family or have pets.

It’s at this point where the stress can get the better of you, as you’re not in your own home. During your dealings with the insurance company, you may feel like you’re being passed from pillar to post, but this is a fact of the situation, unfortunately. If your claim is in limbo, it can take some time. And during your negotiation with a loss adjuster, you may not get everything that you wish in terms of suitable emergency accommodation, as you need to agree on a budget with the loss adjuster.

The Final Pieces Of The Puzzle:

Once the ball has been rolling after the tense negotiations, the process of tendering will begin. At this point, the contractors will be appointed to do the work on your home. The contractors are usually specialist ones appointed by the insurance company, but if you want to use your own contractors, you need to be careful with your choice as there are many out there who may not have a good track record. It is at this point where the surveyor will meet with the contractors to solidify the final parts of the work, which will progress until your home is fully restored. It’s important to note that at this point, you may wish to make some alterations to your home, pending the approval of the surveyor. After this, your contents claim would be agreed, items are secured, and you can return home.

While we all hope that it doesn’t happen to us, it’s important that if your home suffers from any type of disaster that you have the right policies in place. If you don’t have any insurance, it is recommended that you get something for peace of mind. If your home is ever going to suffer a disaster, with the right insurance policies in place you know you can, at least, rebuild your life.

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Are You Management Material?

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Are You Management Material?

Why is it that young people are always overlooked for the opportunities to lead? Age should never have anything to do with it. If you have a natural flair for coming up with new ideas or you’re good with people, why shouldn’t you have the chance to show that off? This is why more and more young people are setting up shop for themselves. Entrepreneurs can get the experience that they need on the job.

So what do you need to do to excel when you haven’t had a chance to prove yourself yet? There are two routes. You could set up your own business and work hard to make it happen. It doesn’t matter what you’re interested in. If you have the right approach and can sell your products effectively, then you can be successful. Over time, you’ll need to recruit people to help you tackle the workload. That’s when you get to become a manager.

Another route to try is to train for the job and qualify. There are plenty of courses to choose from. You might find it easier to take on an online BBA in Management, though, if you need to continue working. It also frees you up to run your business and you can immediately apply the things that you learn.

What does it take to become a good manager? A methodical approach is often best. As with any leadership role, an ability to keep a clear, professional head is essential. Ultimately, it’s about resolving problems. You may need to delegate tasks to the best person for the job. You might also need to resolve conflicts. This is why you need to know your team very well and know how to motivate them to work their hardest at all times.

Managers are busy people, but they also need to make the tough choices. If you have a board to answer to, then you might have to manage budgets and accounts too. A good head for numbers is essential! As a decision maker, you might prefer to take your time and consider your options. This is fine if you have the time. Sometimes you need to make a decision right on the spot. The consequences of that will rest on your shoulders. Yikes!

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Sometimes managers have to be responsible for hiring and firing. A job is a crucial part of anyone’s life. Telling someone that they haven’t got the job which they applied for or even letting someone go can be very unpleasant. You can’t delegate that sort of thing. Don’t forget, you can always practice away from the workplace. Why not video yourself to see how you come across?

Does experience help? Yes. But a good course will give you plenty of case studies to examine so you can learn from others’ experiences. Does age help? Only if age brings wisdom! Anybody can lead others if they approach it correctly and know what needs to be done. If you’re ambitious and talented, then chances are you already have the drive to tackle any challenge that comes your way.

Featured Image By: Pexels

Thinking Ink? Common Pros & Cons

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Thinking Ink? Common Pros & Cons

Tattoos are a huge deal nowadays. Something you’d once only see on sailors, you now see on men and women from all kinds of backgrounds. This can be great! Tattoos are a wonderful way to express creativity and tell people a little about your loves and personality. That being said, there are cons to consider, too. Let’s explore the pros and cons of inking your skin. If you’ve got a tattoo in mind, consider these things first:

Pro: Express Your Creativity And Individuality

A tattoo can tell people a lot about who you are, what you like, and things of the like. We don’t all want to look the same, and a tattoo modifies the body, helping it to stand out from the crowd. If you’re a unique person and want to express that, getting a tattoo you love could be something to consider to give yourself that little something extra.

Con: Not All Artists Are Created Equal

Researching an artist is absolutely crucial before you go ahead and get a tattoo. You should never walk into a tattoo studio and ask for a tattoo there and then. You won’t get something unique, and chances are, a shoddy job will be done. Browsing through portfolios and making sure this person can do the style you want is a must. The best artists aren’t necessarily expensive, but you do usually get what you pay for. Don’t try to save a quick buck when it comes to tattoos, which usually just leaves you with a literal lifetime of regret.

Pro: Open A Door To A New Community

Chances are, you’ll meet a whole new bunch of people when you get tattoos. You’ll meet people like you, and people will likely comment on your tattoos (comments won’t always be positive). If you want to meet your ‘tribe’ tattoos could be the way to do it. (I’m part of that tribe! It’s great!)

Con: A Tattoo Could Limit Your Career Choices

Unfortunately, some places still discriminate against tattoos. You may be okay in a creative profession or if you’re your own boss, but working as a teacher, for example, usually requires un-inked skin. There are options, though. If you want to change your career down the line and you’re okay with getting rid of your tattoos, you could use a special cream or have laser treatment. Here are some astounding facts behind tattoo removal cream for you to learn more. If not, you could potentially cover up your tattoos with clothing, but this depends on how inked you are.

Pro: A Tattoo Is Your Own Piece Of Custom Art

Having a tattoo on your skin is your very own piece of custom art that lasts forever. This is great if the tattoo means something to you and is designed and undertaken by a pro. That way, you’re getting a reminder of something that you love every day!

You will likely change later on down the line, whether this be in your style or tastes. It’s a good idea to consider whether the tattoo you want will be something that means a lot to you years down the road. If it’s a yes, then go go go! 😀

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