4 Warning Signs That You’re Financially Unstable

Money, or more specifically, lack of money, has the power to cause unimaginable stress. After all, whether we like it or not, it’s nearly impossible to live in this world when you don’t have any money in the bank. Unfortunately, most people struggling with money problems tend to bury their head in the sand and can’t see the warning signs right in front of them. If you want to manage your stress and set yourself up for a brighter future, then this is the last thing you should do. Instead, you need to take control. Here are four warning signs you should be looking out for.

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  1. Your Emergency Fund Is Non Existent

Disaster can strike at any moment, leaving you without cash until the end of the month or even longer. Unless you have an emergency fund to fall back on, you’ll be left having to borrow, which will put you in unnecessary debt. If you want to be more financially stable, then you need to work towards building your emergency fund. This should cover at least three months worth of household expenses, including rent or mortgage payments, food, and any other bills.

  1. You Don’t Have Proper Coverage

Cutting back on insurance or completely going without it might save you some money in the short term, but it can completely ruin you financially if anything were to go wrong. In some cases, such as with car insurance, you might even get into legal trouble. It’s much better to shop around for an affordable company, like Safe Auto, than it is to go without it. This way you’re properly protected and have something to fall back on later, even if it costs you a little now.

  1. You Can’t Live Paycheck To Paycheck

Living paycheck to paycheck is no proper way to live, but what’s even worse than this is not being able to live paycheck to paycheck. If you have to borrow money each month to cover your expenses, it’s a huge sign that you’re in financial trouble. After all, you may be paying the bills this month, but repayments mean you’ll have to pay even more next month, which, of course, is something you won’t be able to do. This traps you in a downward spiral, so avoid it at all costs.

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  1. You Avoid Conversations About Money

More often than not, people know that they’re financially unstable; They just won’t admit to themselves. As a defence mechanism, they try to avoid conversations that have anything to do with money or debt, even if these conversations happen to be with their partner and spouse. If this is something you’ve started to do, then it’s important that you stop, because you aren’t going to get out of your financial rut unless you’re open, honest, and ask for help.

Being financially unstable isn’t the end; There are plenty of things you can do to get yourself into a better place. However, before you can do that, you need to see that there’s a problem, so be on the lookout for the warning signs listed above.

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Exercise Do’s And Don’ts For Fitness Beginners

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Hooray! After months, if not years, of your friends, family, and medical practitioners telling you to start exercising regularly, you have finally decided to commit to a workout program. Well done you, and we hope you succeed in your plan. But as a fitness beginner, there are some do’s and don’ts you should adhere to. We have some of them right here, and by following these simple rules, you stand a greater chance of benefiting from whatever exercise you get involved in.

Do set yourself a plan, as this will focus your efforts. It needs to be realistic too, so don’t run before you can walk (as the old adage says), as your body needs time to adjust to whatever you are putting it through.

Don’t give up early, as this is something common amongst fitness newbies. When they don’t start seeing results, or when it becomes like too much of a chore, they tend to fall by the wayside. Exercise takes commitment. Set yourself reasonable goals, do something you enjoy, and don’t let anything or anybody put you off what you have started.

Do mix up your exercises, as variety will help you defeat boredom, as well as giving different parts of your body a workout. So run as well as swim. Exercise at home as well as outside. Try new sports as you may find something you enjoy above and beyond those you have tried and tested. And practice new techniques, challenging yourself, instead of sticking to your comfort zone.

Don’t overdo what you are doing, as you will cause yourself an injury. As we said earlier, you do need to pace yourself. Yes, you might want to lose weight, and yes, you might want to prove to others that you can ‘do it,’ but you will do yourself more harm than good if you push your body beyond its limits, and you will both cause yourself significant damage, and run the risk of ruining your motivation to carry on exercising.

Do wear the right gear, as you need to be both safe and comfortable while exercising. Shop around online, and find out what gear will suit you best, both aesthetically and practically. There are certain items that will enhance your exercise too, and further protect you from harm. We recommend BioPods for your feet – see biopods.com – and compression clothing to improve blood circulation, as examples.

Don’t go it alone, as exercise is often better with support. This can come in different ways. You might want to hire a fitness trainer to give you professional advice. You may want to exercise with friends to give you further incentive to continue with your fitness program. And you should draw on the moral support of those people who will congratulate you and encourage you on your efforts.

We hope you found these do’s and don’ts helpful, but remember to seek the advice from others, whether that’s from people you know, professionals in the field, or from specialist books and websites. Exercise is good for you, so persevere and you will feel the benefits.

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Are You A Risky Driver?

If somebody asked you if you were a good driver, what would you say? Most of us rate our driving skills highly, but this doesn’t correlate with road accident data. Over 90% of car crashes are caused by human error. While some accidents occur as a result of genuine mistakes, many are associated with taking unnecessary risks behind the wheel. Here are some of the most common causes of collisions, and some tips to help you swerve trouble on the roads.

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Speeding

If you enjoy driving, you probably have an urge to put your foot on the gas and let loose when there’s nobody else around, and you have an open road ahead of you. The trouble is that the landscape can change in a flash when you’re driving. You may think that you’ve got the highway to yourself, but that could soon change and you may find yourself surrounded by other vehicles or slamming the brakes on to avoid a pedestrian or an animal. There may also be hidden dangers, for example, an uneven road surface. Speed restrictions are there to lower the risk of accidents, and as a driver, you have a legal obligation to pay them due care and attention. If the sign says 70, don’t drive along at 90. If you’re involved in an accident, and you were driving too fast, the risk of serious injuries will be higher, and you run the risk of being charged with dangerous driving.

Drinking

It is estimated that around 28% of fatal crashes in the USA occur as a result of drink driving. When you have an alcoholic drink, you may feel fine, but this doesn’t mean that it’s safe for you to drive. Drinking increases reaction times, but it can also affect your coordination and your judgment. When you’ve had a drink, you may also feel more confident, and this could mean that you take risks you would never even consider if you were sober. When you get behind the wheel of the car, you have a responsibility to protect yourself and others. Don’t drink and drive. If you’re involved in an accident and you’ve been injured by a driver who was intoxicated, seek advice at www.wmlawyers.com. If you were the driver in the wrong, you may find that the other party will pursue legal action. If you do plan to drink, arrange a lift home, use public transport or book a cab. It’s always better to be safe than sorry.

Tiredness

Have you ever got behind the wheel when you felt like you were going to fall asleep at any minute? If so, you’re lucky to be here to tell the tale. Tiredness is one of the most common causes of careless driving. When you’re tired, it’s hard to focus, you can’t react as quickly as normal, and there’s a risk your eyes could actually close while you’re driving. If you’re sleepy, don’t drive. Take a nap and postpone your journey. If you’re already on the road, pull over in a safe place, stretch your legs, have a coffee, and get some fresh air. For more useful tips, check out this article https://sleepfoundation.org/excessivesleepiness/sleep-news/how-stay-awake-the-road-tips-combat-drowsy-driving.

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The vast majority of road accidents are caused by driver errors. Next time you head out in the car, think about whether you could take fewer risks.

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Watch For Those Flashers!

It’s a good idea to watch out for those flashers. No, not the kind that expose themselves, but the emergency flashers on a car.

Recently, a driver found himself stuck at the end of a freeway off ramp and could not move the vehicle at all! So, he called for a tow truck and in the meantime, he had to sit there. He did turn on the vehicle’s flashers.  It was a two lane ramp, with the right lane designated for right turns only and the left lane for left turns only. He was stuck in the right hand lane. He still kept an eye out through his rear view mirror, just in case someone didn’t see the flashers. And, to make his situation “more visible”, he would gesture with his arm to tell people to go around when he saw cars approaching behind him in the right lane. Most people got it, especially when he gestured with his arm, and they would slow down and change lanes to go around him. But wouldn’t you know, some didn’t have a clue and came right up behind him. When the light turned green, they didn’t know why he wasn’t moving! Some even got mad and beeped their horns at him, but of course they ended up going around him. Anyway, the tow truck finally came and the situation taken care of.

This incident does remind us that people turn their flashers on for a reason, not to put on a light show. And sometimes they aren’t always able to get completely off the road. In this driver’s case, the vehicle, a company vehicle, just quit on him and he was lucky to simply be able to get off the freeway.

Also, be aware that there are many areas that have a law on the books often called a “Move Over” law, which basically says that if you see a vehicle, especially an official emergency, law enforcement, or highway maintenance vehicle on the side of the road with flashers on, and you are in the lane next to the side of the road, you are to move over one lane away if possible and slow down by 5 to 10 miles below the posted speed limit.

So remember to pay attention while driving. Watch out for flashing lights, and other things like brake lights and other hazards that may not always give notice. Be here, be now, as I wrote in an earlier post.

Anytime you see or hear of a car wreck, you’ll be glad you paid attention to your driving.

Be safe!

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What to do When You Become the Victim of Medical Malpractice

Being betrayed and let down by your doctor is genuinely one of the most shocking things you can experience. When you go to a doctor, you’re right to assume the best care and the best expert diagnosis and treatment. And that’s exactly what the vast majority of doctors will provide you with, but there’s always going to be a small change of things going wrong when you use a doctor.

When you are let down, this is known as medical malpractice. It means that the doctor or medical professional has failed to care for you to the standard expected of a doctor. Rather than just accepting this and moving on, there is a process of steps you should go through in order to get justice if you feel that’s the right thing to do. Read on to learn more about what you should do when you become the victim of medical malpractice

Get the Second Opinion of Another Doctor

Before you go any further, you need to think about your health and see exactly what damage was done by the negligence or malpractice of the previous doctor. This will involve heading it another doctor and seeing what they have to say about it all. They will help to get your healthy back on track and hopefully right the wrongs that have been done. On top of that, their testimony regarding what’s been done to you should also help you out later in the process.

Weigh Up Your Options

Next, you should think about what the best way forward is. In most hospitals and medical facilities, there will be a process that you can follow to help you to lodge a complaint that can then be reviewed and assessed by the hierarchy of the company. You should see if that’s something you can pursue; in most cases, this is the best way forward, so get that started. On top of that, you might want to pursue legal routes to get the compensation you feel you deserve

Find a Lawyer

You’ll definitely want to find a lawyer if you choose to take a legal route with all this. Sure, you could explore the option of representing yourself in court, but this rarely ends in anything other than tears for most people. You can visit website if you want a recommendation. See what they have to say and take things from there. Just be sure to shower a lawyer who knows what you need and can take appropriate steps to take your medical malpractice case forward.

Record and Compile Evidence

As well as the testimony from your new doctor, you might want to compile other forms of evidence to show people exactly what you’ve been through as a result of your doctor’s malpractice. This might include your general medical records that will track your health and your problems since the malpractice. And you might even want to write down your experience and take photos if that’s relevant to what you’ve been experiencing. The more evidence, the better it’ll be for you later.

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Listen to the Guidance of Your Lawyer

Once you have a lawyer in place and they’re working on your case for you, you should respect their expertise and listen to what they’re saying. There’s little point hiring a lawyer if you’re going to take the lead and make decision independent of their expert legal guidance. Remember, they’re working for you and they’re trying to secure the best possible outcomes for you in the long-term. If you follow their lead, you’ll achieve the best possible outcomes.

Prepare for the Case

By preparing the case properly alongside your lawyer, everything will be properly organized and ready to go when your day in court finally does come around. You should try to remember that and don’t rush through things. It’s only natural for you to want justice and compensation sooner rather than later given what’s happened to you, but you can’t simply skip past due process or rush things because that never ends well. Let your lawyer set the pace and be sure to get things right.

Alongside Your Lawyer, Present Your Evidence and Make Your Case

When the time finally does come for you to present your case and your evidence to the court, you should do it in a calm and objective way. Sure, this probably a very emotional and personal thing for you, but letting your emotions run away from you is not the way to achieve the outcomes you want to achieve through this process. Let your lawyer support and guide you through all this. That way, you’ll achieve the outcomes you want to.

Succeed in Court

In the end, it all comes down to the facts of what happened. If you and lawyer know for a fact that you’ve been the victim of medical malpractice, and you present your case in the proper and professional way, you can expect to come out the other side with the right outcome. There’s no doubt about that. So it will only be a matter of time before you find the success you’re aiming for if you get all of the this stuff right.

Find a New Doctor Who You Know You Can Trust

Finally, when all this is done and you have compensation for what you went through, you should seek to find a permanent doctor that you can use and trust going forward. Given everything you’ve been through, it might be a little hard to trust the judgment of any doctor. But try to rebuild bridges with someone who’s professional and who has a good track record. There’s no alternative to that.

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No one wants to find themselves dealing with a medical malpractice case because we all trust our doctors. That makes it even more difficult when they let you down or make a mistake, but it’s important to take the right action to put things right and help you to get back on track sooner rather than later.

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Don’t Let Disaster Burn A Hole In Your Bank Account!

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Money is probably the biggest source of anxiety for a lot of people and that’s pretty understandable. Most of us simply wouldn’t be able to function without it after all. Even when everything in your life is normal and going fine, your finances will often be a little niggling worry that sits at the back of your head most of the time. But what happens when things go wrong? The best thing that you can do is to try to be prepared for things like this when they happen. You can’t always predict when something is going to go wrong, but here are a few of the most common financial disasters that you might face so that you’re in a better position to avoid them.

A car accident

Many of us use our cars to get to work, pick up our kids from school, see friends and do just about everything else as well. That means that if you’re in a position where you’re left without a car it can cause your entire life to grind to a halt. Even worse than that, is the chance that you could suffer an injury from the accident. Physical injury can stop you from working as well as making everyday tasks very difficult to deal with. It’s a very good idea to have a lawyer that you can trust to help you deal with the financial problems that can result from a car accident or injury. Visit this website to see the kind of support that you can get. As much as you might want to focus on other things after an accident, your finances are too important to ignore.

Losing your job

Getting fired can be one of the most serious financial disasters that a person can face. Ending up without your main source of income can have some extremely long-lasting effects on your financial situation. If you’re in a position where you have a partner who can support you, then that’s fantastic, but it can still cause problems for any household. The best thing that you can do to protect yourself from this situation is to make sure that you’re putting a portion of your income every month into a savings account. That way, in the event that you find yourself without an income for any length of time, you’re not going to end up getting into any financial trouble.

Household disasters

Your home should be your sanctuary. It should be the place where you feel the safest and most secure. That’s what makes it all the more horrible if something happens to your house to disrupt that safety and security. Whether it’s a robbery, flood, fire or anything else, a household disaster can throw your entire life into total disarray. Of course, the first and most important thing that you should do to protect yourself is to make sure that you have insurance that covers you in the event of any of these things. Make sure that you have somewhere that you and your family can go while any repairs are being done on your home. The last thing you want is to let this problem have any long-term effects on you or your family’s quality of life.

Life is always going to throw curveballs at you; that’s just the way the world works. But if you’re prepared and you know how to deal with them, you can avoid letting life’s nasty surprises knock you to the ground.

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How to Maintain Your Car Easier than Ever Before

If you have a car then you will know how important it is for you to keep it well-maintained. After all, your car is quite possibly one of the biggest investments that you will ever make in your life, and if you don’t put the work in then you may find that you have to buy another vehicle sooner than you’d have liked. If you want to establish a simple plan of attack then you need to concentrate on your fluids, interior, brakes, windows, oil and tires. If you are able to take care of these, then your car will last for years longer than it normally would and you may even stop a ton of other issues from happening as well.

Tires

When concentrating on your tyres, you need to make sure that they are properly inflated. Each car manufacturer has a specific tyre pressure that you need to try and meet, so don’t just get any online number. The tire gauge that you have right now will be a great way for you to try and measure this, and if you are worried that your tyres need replacing then look between the threads. Your tyres will need replacing when the wear indicators are showing between them. If you are having problems with your rubber or your tyres then American rubber manufacturers may be able to help you out with this. On top of that, it helps to check your tyre pressure every week to maintain your vehicle and it also helps to assess any damage as well.

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Oil

Oil is really the blood of your car. If you don’t have it then your car isn’t going to go quietly at all. It helps to have your mechanic show you how to check your oil and it also helps to change the oil every 3,000 miles or so. A lot of oil manufacturers will state that you need to change your oil every 10,000 miles and this may be the case, but that doesn’t mean that it is best for your car. A good rule of thumb is to make sure that you don’t use the same oil for more than 5,000 miles. This is especially the case if you want to maximise how efficient your engine is and to make sure that it is very reliable as well. When checking your oil, you need to do this once a week and change it when you get to the 5,000-mile mark. This will save you a ton of time and money, not to mention that it will also help you out a lot when the time comes for you to get your MOT done.

Windows

It helps to make sure that all of your windows, mirrors, lights and more are clean and not broken. You also need to replace any broken lights or even mirrors. If you have small windshield cracks then you need to get this sorted out as soon as possible. A windshield repair centre can help you with this and they can also help you to find out if you need a repair or replacement. A lot of people worry about this because they feel as though this is going to cost them a lot of money and they would rather avoid getting the glass looked at because that way, they never know. This is a really bad idea because when your windshield has a crack, one small bump or even pothole in the road can cause that to turn into a huge split all the way down your glass. This is the last thing you need because it would double the cost of what could have been a really cheap repair. If you want to try and protect your car for the time being then allow plenty of room when you are following behind other vehicles as these could throw some objects from the road or even loose debris from the loads that they have, Remember that even a loose pebble can be thrown from the back of a truck and the whole thing can easily crack your windshield.

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Brakes and More

The braking system with a lot of modern cars is designed to be replaced. This is because it helps to maintain the efficiency of the braking system, so it is very important that you keep up with this. Of course, if you do notice that you have problems with your brakes then you will need to have them checked immediately. After all, it could make all the difference to your life and it could also stop you from having a serious crash as well. Under the hood, you will also see that you have some car belts. It helps to have these checked on a regular basis so that you can check out for some wear and tension. If you have loose belts then this will make a loud squealing sound, and it’s very recognisable. If this is the case then try and have your car serviced. The last thing that you have to think about in this department is the battery. Your battery will run down over time, but corrosion may also play a part in how often it is replaced. It helps to avoid running down your battery too low if possible and that you understand that jump starting your vehicle is bad for your battery as well. Sure, batteries get old, so check the alternator from time to time.

Interior

Another important thing that you need to do is try and check the selling power of your car. This is done by sprucing up the interior. After all, if someone looks at your car and the interior is filthy, or even if the CD player isn’t working then this is something that you need to sort out in the shortest possible time. The value of your car is held in the cabin, so check this over and try and keep it well maintained to the best of your ability. This will help you out a lot, and it will also save you a ton of time as well.

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