What Would You Change About Health Care

When it comes to health care, there always always going to be different changes that you may wish you could be able to make. While you may not be able to have any direct impact on the health care system yourself, it’s always a good idea for you to understand where the changes you would make are. Then, you may be able to make a difference combined with other people and over time.

The Availability Of Treatments

To start with, you may find that the availability of treatments is very important to you. Do you have access to what you need? Are reliable and revolutionary treatments available near to you? Are there other options you wish were available? It all matters.

The Access & Cost

Maybe you are concerned about the access to health care in your local area? It may not even be for you, but for others. And when this is the case, it could be that you’re also concerned about the cost and wish you could make changes about that. So keep that in mind.

The Delivery & Service

It could even be down to the service that you get and how health care is delivered. When that’s the case, you may want to understand more about technology is advancing and how it can help. If you’d like to know more about AI and how nurses can integrate this technology, just take a look at the infographic below.


Infographic Design By Regis College

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Turn Your Home Into a Money-Making Property

If you are a homeowner or a land owner, then you will know that there are so many costs associated with owning a property. Utilities. Mortgage payments. Property Taxes. Not to mention the other costs that come with everyday living; there are all kinds of different ways that our homes can end up costing us some money. Many of us know that owning a property is an investment, and it can pay off in the end when you move onto a bigger home, or sell your home. But there is no need to make yourself wait that long in order to see the financial benefit from your home. So why not look to make some money from your home, and start doing it right now? Here are some side-hustle and business ideas to inspire. Which do you think will work best for you? 

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Add a Rental Suite

If you live in an area where it is legal to do so, then how about adding a rental suite to your home? If you don’t have room inside to do just that, or would rather have something a little more separate, then you could think about converting the space that you have. It could be a garage conversion, for example, to make a bedroom (and it could have its own entrance door). If you have some money to invest in it, then if there is space, and regulations allow, then how about building a separate free-standing structure? 

Of course, you need to make sure that you research the regulations for building or creating a suite to rent out that is completely legal. It is common to require some legal rental suites to have their own kitchen and bathroom, for example, so that is something to consider. If you are needing to invest a lot of money into this, then you need to think about how long this will all take to get the money back. Make sure that you can do this in a relatively short time, in order to make it worth it. 

Rent out Storage Space

If you don’t want to be a landlord or a bed and breakfast host, but you still have some space available to use for an income, have you thought about renting out the storage space? If you have a sizable space, then you could rent it out as storage each month. Where you live could depend on the demand, but there will be a lot of people that will want to store things like boats, motorbikes, and RVs, and they’ll want to keep them sheltered rather than being out in the open. If you want to let someone else store their car or bike in your garage or barn shed, then it could bring in a monthly income quite easily, without having to do too much. The only costs for you would be making sure that you have a secure space, so CCTV and an advanced locking system could be a good idea. Heating the space could work well too, in order to make sure that things are taken care of.

Hold Events

If you have a bit of land with your property, or have a large barn that isn’t used for storage or for animals, then you could look to make some money from events. It doesn’t have to be a large festival or anything along those lines, but it could be something like setting up a seasonal event with hayrides and mazes. You could rent the space out for weddings, or perhaps host things like special dinners or petting zoo events. The key thing with this is to make sure that you have the right legal permits in place (for example, a licence to sell alcohol and so on). 

Start a Home-Based Business

The ideas so far have been all about using what you have to make money on the side, without you having to do too much. But if you want to do something a little more proactive, and even want to get a business started that means you can work for yourself, then launching a home-based business could be the thing to do instead. If you run a business out of your home, then it does help to keep overheads down, and it will also have some tax advantages. You can also use a certain percentage of your household bills (like the internet and heating, that you use when working on the business), and use that as a business expense. If you have an idea to run with, then go for it. If you’re looking for ideas, then there are a few to choose from online.

Run a Bed and Breakfast

If you have a few spare rooms in the house or are empty-nesters and have a home that is now really quiet, then you could look to maximize your rental income, then you could make your home into a bed and breakfast. If you can rent out a few rooms at once, then it can make a big difference, and be much more lucrative than just having one room rented out. If you travel a lot with work, then you could even use home swap sites or sites like Airbnb to rent out the whole property during the times that you are away.

Rent out Parking or Driveway

If you live in a commuter area or near a place where big events take place (like a stadium), then renting out your driveway or parking space could be a good way to make money. If you don’t drive, but have a car parking space in your apartment close to a train station, for example, then it could be something really simple to do, and there is likely to be a lot of demand for it. If you live close to a football stadium, for example, then when there are events, people will pay to be close to where it is. So that is definitely something to bear in mind, depending on where you live. 

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Effective Ways To Reduce Car Repair Expenses

Everyone knows how expensive car ownership can be. Automobile experts and non-drivers alike understand that the cost of driving is typically quite high. There are many expenses that drivers must cover, including insurance, fuel, and even cleaning. Car repair is another expense that can easily cost you a small fortune. This cost is among the most frustrating too, as most repairs can be prevented. If you’re worried about the cost of repairs, here are six effective ways to save. 

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Read The Owner’s Manual

An effective way to lower car repair costs is to prevent car repairs. Although accidents can cause serious damage, most car troubles are the result of poor maintenance. Because of this, you should read your owner’s manual, paying close attention to the maintenance schedule. Following this schedule will help to keep your car in good condition, preventing breakdowns. 

Put Yourself To Work

Owning a vehicle is a huge responsibility. Along with driving safely, you must look after the car. Most mechanics will happily carry out any maintenance or repair tasks for you if you ask them to, but that doesn’t necessarily mean they should. There are countless repairs you can DIY, such as replacing dead batteries. Carrying out these repairs yourself will work out much cheaper. 

Find The Right Mechanic

When you come across a repair you can’t handle, allowing an expert to help makes sense. After all, you don’t want to cause any additional damage. However, before handing over your keys, you should research the mechanic you’ve chosen. Having customers and the right insurance doesn’t make a mechanic good. Finding a reputable expert is sure to save you money in the long run. 

Hunt For Cheaper Parts

Having to replace a part will significantly increase the cost of any repair. That is why you should source the parts yourself. Whether you need Mercedes, Audi, or Porsche parts, you must hunt for them online. Not only does this give you an option to purchase second-hand parts, but brand new parts typically work out cheaper too. Just search for what you need and compare prices. 

Make Use Of Warranties

Any vehicle purchased from a dealership usually comes with a warranty. This warranty might cover the entire car or certain parts, and could come with a limited or lifetime guarantee. To learn what guarantee you have, you should check your receipt or contact the dealership. If your vehicle is still in warranty, make sure you take it to that dealership any time you need repairs carried out. 

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Slow Down Your Driving

Driving efficiently will help to keep your vehicle healthy. Sticking to the speed limit and avoiding harsh braking will not only prevent car trouble but reduce the likelihood of car accidents too. Whether you passed your driving test last week or several decades ago, there is always room for improvement. Consider how you could be a better driver and take the actions necessary. 

Vehicle repairs can easily cost a small fortune, but with the effective advice above, you can reduce the expense and lower your motoring costs.

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Feeling The Pinch As A Student – Here’s What To Think About

January can be a great month for setting goals and making plans for the year ahead. You may have a whole host of resolutions you want to embark on, and you might be filled with the inspiration and motivation to get things done. But there is the other side of January that many of us know all too well. It is often referred to as the January blues, and more often than not, this is because people start to feel the pinch of the festive spending, and really struggle to make ends meet or pay off debts. So how as a student can you combat that? With that in mind, here are some of the ideas you could implement right now that could help you to see some improvement to your financial situation, and therefore, enabling you top put all of your efforts back into those new year’s resolutions and study. 

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Take a look at your outgoings and make some changes

One of the first things to do is look at your outgoings and what is coming in and see if any changes could be made. Perhaps looking at your bills might highlight some direct debits you didn’t realise were leaving your account. You could also look at rejigging your finances, perhaps researching things like student loan refinancing or balance transfers for things like credit card debt. You can also think about things like reducing the costs of travel, while still getting the experiences that you want. There are websites like NST that could be a great way to expand your horizons as a student, but keeping the costs down. There are often things you can action to help ease your financial strain, and sometimes our current situation identifies areas of improvements. Doing this could also highlight where you might be overspending, which leads me nicely on to my next idea for helping you improve your financial situation. 

Could you be saving on the food bill without sacrificing?

Your food spend could often be one of the biggest outgoings you have after rental payments or debt repayments, so you may want to look at some of the ways you can make a difference to this, without sacrificing what you eat. First of all, meal planning can be a great way to lower your weekly spend. Knowing what you plan to eat can help you to write a list of what you need, which then helps you to deter from buying anything else. You could also consider changing where you shop, which could also see you decrease what you spend. One last thing when it comes to food is staying away from the brands, and trying supermarket own brands instead. They can offer a huge saving on your overall shopping spend. 

Got anything lying around you don’t want anymore?

Finally, there is money lying around. You may even be looking at it, you may know it is hiding in a drawer or wardrobe. We all can hoard things at times, but now is a great opportunity to declutter some of the things you no longer want and pop them for sale on websites like eBay. It can be a great way to boost your income in a month that feels like it is so long. Plsu doing this can help you get organised for study ahead this year. 

Let’s hope that these ideas help you to get back on the straight and narrow with your finances this month. 

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Tips to Help Navigate Life After College

So you’ve just finished college, or maybe you’ve been out for a little while now and have no clue as to what you’re doing. Leaving college can be daunting because unless you want to go on to do further education, you’re now supposed to be facing the reality of adulthood.  That’s terrifying because what if you don’t know what you want to do? You’ve lived as a student for a few years, and now you’ve been pushed out to fend for yourself. Here are some tips to help navigate life after college.

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Work On Your Resume

Your resume is the first port of call because you’ve probably either not looked it before going to college or you simply don’t have one. Some of us will have odd jobs throughout our school days, but many might not start their very first job until leaving school or college. So with that in mind, you want to work on the resume because this is what’s going to get you noticed and hopefully into those interview rooms for your dream job or career. If you’re refreshing an old resume, add on your education and then tweak the experience slightly to reflect what you’ve been doing in college. That might not be a lot, but every little helps. When writing your bio, keep it brief because you can always go into more detail if you need to provide a cover letter.

If you’re writing your very first resume, then you can find a simple template online. You want to make it stand out in a good way, so don’t go too fancy or complicated with the resume design. Keep it short and sweet, and ideally, you don’t want to go over two pages. If you haven’t had much experience, then it’s unlikely you’ll go over one page.

Speak To A Careers Advisor If You’re Lost

Trying to figure out what you want to do can be difficult, and there will be a point where you may feel so lost about what it is you actually want to do with the rest of your life. It’s a big ask after all. Careers advisors can be found down your local jobcentre, or you could go back to the college campus and speak to a student advisor there. They can offer you some professional advice and guide you through the options that you may have in front of you currently and what you might like to do in the future. Use this as an opportunity to discuss any worries or fears that you might have moving forward and ask questions. A careers advisor is going to certainly help you get some focus on what’s out there and what you should be doing next in order to secure a job, whether that’s something that starts off your career or whether you want to go straight for that dream job. It all depends on what skills and experience you need.

Get Your Finances In Order

Oh, the finances – let’s talk about that. When you go to college or university, the fees are going to be expensive, and so you may have a lot of student loan debt. It’s a good idea that you get a job as soon as possible as you want to start paying it back. However, it’s worth getting your finances in order and creating a budget for yourself so that you save your money to enjoy your adult life too. You can’t really afford to live that student lifestyle now. To get everything in one place, find out what you owe and who you owe it to. Try to consolidate all this into one loan if possible so you can keep an eye on it.  You may want to refinance the loan if the current one isn’t really making much headway in paying it off. Keep on top of your budget and work with what you have from take-home and try to save any extra money you can in order to continue paying the loan off. It’s going to take a while, but it’s all worth it for the degree that you got in the process.

Expect To Fail At Some Point

This might be hard to hear, but everyone fails at some point. Some fail multiple times, and that’s ok because failure is a life lesson that is certainly worth learning. Don’t be worried about failing or going into a role that you might not be enjoying a few months later down the line. That’s completely normal, and it just means you have to figure out what it is you enjoy and what you’re not enjoying. Everyone’s different, and everyone finds their feet at different points.

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It’s hard to come to terms with the reality that the role or job you wanted to go into might not be something you no longer want to do. However, that’s nothing to be afraid of, and you will certainly find the thing you want to do in life. It’s just going to take some adjustments and looking at what you are talented at. 

Seek Advice For Job interview Prep

When you’ve found the job you’d like to go for, next comes the interview prep. If you’ve received notification of an interview, then congratulations! That was half the battle and now comes the decider on whether you’re right for the role or not. Always remember that even though you might have everything they need, you might not be the right suit for the company. That’s nothing against you as a person, it’s just who might fit the dynamic a little better. Interview preparation is a little daunting when you’ve not done it before. It’s always good to get some advice from friends and family or perhaps contacting someone in that current position on LinkedIn is a good idea. They might be able to give you some handy pointers on how they performed in the interview and what they feel may have swayed the judgement of the interview panel.

Before the interview, make sure you’ve practised the way you’ll speak to people before and during the interview. It might be good to have someone do a mock interview so that you can practice some questions that might be similar to the ones asked in the interview. Think about the clothing you wear in relation to the type of company it is and always approach the interview with confidence and a smile. Don’t be boastful or try to fake your way through an interview because chances are, they’ll see right through it. Just be yourself and be honest if you don’t know how to answer a question. Ask questions back, too, when given the opportunity to do so.

Experience Is Needed

Even though you’ve just spent an ample part of your life studying, to be told that experience is valued moreover a degree is a bit of a gut punch but its true. A lot more employers will want experience over qualifications. That doesn’t mean that qualifications are useless. If you had the experience and qualifications, and someone just had experience, then who do you think is likely to get it? Don’t get too down-hearted if you lack the experience because you might impress them enough with your personality and how you come across to them, in person. There will be times where you need to start from another role and build yourself up with experience before you can go for that dream role. Everyone has to start somewhere, so don’t feel like you’re missing out or starting too late in your career.

Know Who Your Friends Are

You make friends throughout your lifetime and those that you had in college, might not be your lifelong friends. The same goes for those you make in school, those in your hometown and those at work. You are likely to have a mixture and perhaps a small selection of constant friends who drift in and out of your life. Only you know who your true friends are because they are the ones you call on first to meet up for drinks. They are those people who you call in an emergency because the chances are, they’ll be there ready to do whatever you need them to do. Friends come, and friends go, and even though it might be tough to grasp, that’s adult life. We all have our careers and our personal lives to live, and that might mean that you miss seeing others for a while. However, those friends who are going to stay will make an effort to see you and vice versa.

Navigating life after college is tough, but like everything in life, you learn to adapt to the change, and you’ll find your rhythm eventually. So work on your resume if it’s a little bit out of date and speak to a careers adviser if you’re having trouble picking your career path. Sort you your finances moving forward, work on your experience and get ready for your life as an adult. It’s going to be a bumpy ride!

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Air Passenger Rights in the USA: When Can You Get a Flight Compensation

We already told you how to claim up to €600 for flights in-and-out of Europe. But when it comes to air passenger rights in the USA, how does it work?

Similarly to the European Economic Community and the EU Regulation 261/2004, the US Department of Transportation has established certain rules for airlines to follow.

Dive in and learn about your passenger rights!

Transparency and honest fares

The displayed price of a ticket should be the final price you pay. In other words, it should include all government taxes, mandatory airline charges, fuel surcharges, and so on. This rule applies not only to airlines, but also to other travel retailers, be it online or offline. Note that the price of the ticket includes taking you from point A to point B.

Add-ons such as Seat selection, excess baggage, extra airport services are normally not included in the price and not subject to the above rule.

Overbooking and denied boarding

Overbooking simply means that the airline has sold more tickets than it has seats on the plane. When you get involuntarily “bumped” off the flight, you are entitled to compensation, unless the airline can get you to your final destination within an hour of the scheduled arrival time. The rate of the compensation depends on the flight and the length of the delay.

If you arrive at your final destination between one and two hours late (on domestic flights) or two to four hours late (on international flights), you are entitled to 200% of the value of the one-way fare to your destination, not exceeding $650. For delays that exceed these times, the airline owes you 400% of the fare, but not exceeding $1,300. In these cases you get to keep your original ticket and can ask for either a full refund, or travel credit, which you can use at a later time.

Delays and cancelations

When your flight is substantially delayed, canceled or rescheduled, you have the right to reroute via a different airport at no cost, regardless of the difference in the fare, or request a full refund.

What constitutes a “substantial” delay or schedule change is up to the airline. The latter is described in a type of policy called “Customer Service Plan”, which outlines what are the airlines’ responsibilities vis-à-vis its passengers in case of a delay, cancelation or a schedule change, as well as a number of other circumstances.

Most airlines will offer a meal voucher for shorter delays, and hotel accommodation for overnight delays, yet the policies and their implementation varies. It is important to note that, unlike for cases of overbooking and flights in-and-out of Europe, US regulations do not require airlines to pay compensation when a flight is delayed or cancelled.

Tarmac delays

A tarmac delay would arise when you have boarded the plane, but haven’t taken off yet, or upon landing and have no access to the terminal. In these cases, the airline cannot keep you on the plane for more than three hours (domestic) or four hours (international) and should allow you to disembark if you wish.

The airline must also offer you food and water after two hours, as well as provide access to the lavatories and an update on the delay every 30min. Again, unfortunately for you, when these rights aren’t respected, you are not entitled to compensation, but the airline would get fined.

Air Passenger Rights: Bottom Line

European and US regulations clearly differ, yet they exist nevertheless. If you believe your rights haven’t been respected on a US flight, we suggest you get a hold of the airline’s customer service. For disrupted European flights, you can calculate your compensation with the help of our Compensation Calculator.

And don’t forget to subscribe to the ClaimCompass newsletter: in addition to travel tips that you won’t find on the blog, you’ll get a free checklist to know if you’re entitled to compensation from your airline!

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5 Benefits A Payroll System Service Can Provide Your Company

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 Payroll is one of those tasks that can either be time-consuming or seamless; it all just depends on how you approach it. Perhaps you feel that your current payroll process isn’t a streamlined as it could be? The good news is that using the right payroll system service can change all that, effortlessly. Investing in a new system, that utilizes the right software, can allow your business to access many benefits. 

Adhere to tax regulations

Tax codes tend to develop and change over time. When you have plenty on your plate, it can be challenging to keep up with every regulation and rule. When you choose a good payroll system service, you’ll have a solution to adhere to the correct tax codes and to always file your taxes on time. Some payroll systems will have automated calculations for tax so that they can input the info using pre-existing data. Such processes are handy to avoid the risk of human error. 

Simple direct deposit 

With a simple direct deposit process, gone are the days when your employees would have to wait for their checks. Modern payroll software and systems will connect with banks and pay into your employee’s accounts immediately. With easy direct deposit, there’s no chance of lost payments or mistakes. Downtime only equals dissatisfied employees and thus decreased levels of productivity. As digital processes advance we must utilize them in order to provide the best for our employees and consumers. 

Online self-service 

A modern employee payroll system offers a self-service online portal. These are handy to let your staff login and access all of their payroll information. Such portals make it easy for mistakes to be fixed or pointed out if need be. Payroll software can allow your employees to view past pay stubs as well as enrolled benefits that they may have. 

Time-saving 

When you outsource your payroll services, you take away those time-consuming admin tasks from your team and gain back some time. When you’re looking for a payroll system, it’s better to choose a company with a team of staff behind it; as opposed to a merely software-based system. That way, you’ve got all the bases covered. When you save time on tasks that can be automated or outsourced, you’ll increase productivity overall.

Simplify your processes 

Finding the right payroll system and software can help to simplify your processes. You’ll have seamless access to everything from your reports to your W-2 forms. It’s easy to look back on past pay stubs should you need to access any historic info. When you’re signing on a new staff member, you’ll certainly be glad of such simplicity. When dealing with vacation and sick pay; it’s also easier to automate the allocation here. 

With a personalized dashboard for everyone in your company; you’ll increase efficiency overall. As technology advances, a modern payroll process has come to be the norm. Adopting the most advanced ways of doing business will allow you to stay one step ahead of your competitors ongoing. 

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