3 Kids and Us

4 Ways to Plan Towards Your Family’s Future

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Your family is something in some cases you can choose and in others, people that are given to you. Nevertheless, if you have one, you probably want to give them the best of your time and resources while you can. One of the ways to do this is to plan towards their future. Everyone has a different vision for their family, and this means that how they plan and what’s on their agenda may be different from yours. Even though this may be the case, there are still some common themes that every family shares when it comes to prepping for the future. Here are four in particular that you can use when planning your family’s future.

Save Towards College

If you don’t already have kids over the age of 18, then you may be thinking about what they’re going to do when it’s time to spread their wings and go off to college. If you want to help them pay some or all of their tuition, then you should begin saving towards it now. To save for their college tuition, see if your state has a 529 plan to help you save. How it works is that you save after-tax dollars to the account and they are invested as well as allowed to grow tax-free.

You may also want to try ROTH IRAs, but the downside is that you don’t get a tax deduction for your contributions. A major difference between the two is that the 529 plan has to be used for higher education or you’ll be given a 10% penalty while the ROTH IRA can be used for anything.

Think About Health

When planning your family’s future, health is a major thing to think about. This is because the healthier your family is, the fewer worries you have and the less it will cost you in healthcare bills. Think about how you can grow a healthy family by examining what you’re eating and how active you are. To raise a healthy family, try sticking to fresh foods where possible. Go on adventures that require physical activity to encourage fitness and help you maintain healthy weights.

In addition to this, mental health is important too so make sure you’re talking about every and anything. Make your home somewhere everyone feels safe to be open, honest and themselves.

Plan for Post-retirement

People don’t like to think about what’s going to happen to them in their older years out of a fear of old age amongst other reasons. However, thinking about how you’re going to live in your older years and planning for contingencies like failing health is important.

You may want to think about investing in long-term care insurance so that you get the care and attention you need later on in life if you think it’s a good option for you. You can see a range of long-term care insurance providers on Insurance Geek and compare to see which is most affordable.

Save Enough

Money is important when raising a family, especially if you want more flexibility and better quality of life. Set up a family budget and get everyone involved so they understand what you’re spending on and why. It’s also a way to make sure your loved ones learn essential money-management skills that will carry them through life.

Planning your family’s future is important, especially in your post-retirement years. You want to know that your kids have the best opportunities and you can retire without having to worry about how you’ll cope on a daily basis.

Take These Steps After Any Serious Car Accident

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In a minor fender bender, there may not be much to worry about. You’ll likely trade insurance information and accept whatever settlement the insurance company offers. However, that process becomes much more complex when it’s a more serious accident. The issue of paying for property repairs, medical treatments, and other damages, make it essential for you to know your rights and know how to respond.

Reacting on the Scene

Immediately following your accident, it’s vital that you take as much as action as you can. If you’re seriously injured, you may not be mobile and, in that case, there won’t be much you can do. If you are able to move about, check on others to determine needs for medical aid and to identify those involved in the accident. Once emergency personnel have been called, take the opportunity to collect contact information and auto insurance information from the other drivers.

This is also the time to collect evidence. In this regard, the best thing you can do is to use your phone to take photos of the scene. Be sure to get close-up pictures of damages to the vehicles and other property damages. Also, take photos of injuries for the purposes of documentation. This can help verify claims later on in the process.

Seek Medical Attention

You’re legally bound to seek medical attention if your accident results in a personal injury lawsuit. If the defense can show you didn’t seek medical attention and later claimed injuries as a result of the accident, you may be charged with compulsory negligence, which can limit what compensation you’ll be entitled to receive. Depending on the situation, the judge may throw the case out altogether.

From a medical standpoint, you should seek an evaluation from a doctor, even if you don’t feel injured at the time of the accident. It can take certain injuries awhile to manifest. For instance, brain trauma, neck injuries, and spinal cord damage can take a day or more to produce noticeable symptoms. A medical examination may spot these types of injuries sooner, allowing you to receive treatment earlier.

Consult a Personal Injury Lawyer

As soon as possible, you should consult an attorney experienced in handling personal injury cases, such as Schwartzapfel Lawyers P.C., as soon as possible. It won’t be long before an insurance adjuster contacts you about the accident. He may try to get you to admit fault in the accident, or may offer you a quick settlement, which will be insufficient to pay for all of your damages. It’s wise to have already spoken with an attorney, before the insurance adjuster begins contacting you. Your attorney will handle communications with the insurance company and attempt to negotiate a fair settlement.

Keep Meticulous Records

Another part of collecting evidence is to keep all documentation, pertaining to your injuries and property damages. This includes repair estimates for your vehicle, medical bills, medical treatment records, any documentation that can establish your missed days of work, and documentation that provides evidence of any need for long-term therapy. All of this information can be used to validate your request for damages and collecting the information can make your attorney’s job easier.

Do Not Discuss Your Accident

The only person you should discuss your case with is with Michelle Linka Law for personal injury lawyer in Oshawa and only in confidential settings. This means limiting your time on social media and not discussing facts of the case on any website. The defense will be looking for statements you make online that could be used against you. Similarly, don’t post new pictures of yourself on your social media pages. In the same way, those pictures may be used to suggest your injuries aren’t as serious as you claim. For instance, if you’re smiling in a photo, the defense might use it to convince a jury that you’re not experiencing chronic pain.

Continue Medical Treatments

It’s important that you don’t miss appointments for medical evaluations or treatments, including physical therapy sessions. Again, the defense might use this to suggest your injuries aren’t as serious as you claim. Additionally, missing treatments or therapy can cause your condition to relapse or worsen. In that case, the issue of contributory negligence again becomes relevant.

While an auto accident can be a complex and unnerving experience, knowing how to handle it can help you protect your interests. Above all, be careful what statements you make publicly, to the police, or to the insurance company. How you respond will be used against you, if you’re not careful. This is why hiring an attorney should be done, as soon as your medical condition allows. Having a legal advocate on your side can make a significant difference.

THINGS TO DO WHEN YOU SUFFER A TRANSPORT RELATED ACCIDENT

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Accidents can happen to anyone at any time.  It is not always in our control and it is a phenomenon really hard to avoid.  However, the first hour after the accident is necessary.  It is called the Golden Hour and though people are dazed and confused, taking critical decisions will definitely change your life and help you survive it better.  No matter where you suffer your accident, you still will be able to walk away with it with the least damage to yourself and your belongings.  This article will help you to survive and remain calm in the most dreadful of accidents and help you infinitely.

Check your injuries

For instance, if you are stuck in a wreckage because of a car crash and you just regained consciousness, first check how much injured you are.  If its a few cuts and scrapes and you can pull yourself out of the car, then do so. If you feel you have a broken leg or hand, then use your clothes to protect the area and get out.

Usually in cases of accidents, especially because of a car crash, a huge crowd will gather around, but none will seem to help.  Scream at a particular person you see in the crowd and tell them how injured you are.  That will rouse them into action and help them to get you into the nearest hospital.  People go into onlooker mode after an accident.  You will need to take charge of you are still capable of talking.  If not, raise your arms and legs wildly to signal that you are alive.

Check for communication

After you have managed to get out of the debris because of a car crash, the next step is to find out your mode of communication, aka the mobile phones. Call, text or inform your family members or friends who can help you in the hospital.

Check your important decisions

It is natural to be confused and dazed because of a car crash, butremembers, a little timely action will go a long way in helping you out of your problems. Get your Aadhar card, pan card, credit cards while you can so that post-accident you don’t have to spend long hours in duplicating them or reporting they are lost.  However, you should remember to do this only when you and the rest of the injured co-passengers are safe and awaiting a trip to the hospital.

Go by precedence

Check by precedence and send the most injured people to the hospital first.  Then the rest should go.  And keep all important relatives and friends informed who can actually save you in this time of crisis.

Surviving an accident because of a car crash can be harrowing and traumatic.  However the life post the accident has to be managed out somehow.  By following these simple steps, you can ensure to save the lives of your co-passengers and yourself and make sure you escape with minimal problems.

Before Kids, I Had Money!

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Financial planning for growing your family doesn’t have to be ramen noodles and antenna t.v.–there are plenty of ways to budget and save.

The timeless proverb “if you saved enough money to have kids, you’d never have kids” will always ring true for most Americans.

After all, kids “cost” roughly $250,000 to $745,000 to raise from birth to age 18–and that’s before college, whether you pay for it or help them make the payments. For most couples, this isn’t even a thought before lamaze class and putting together baby furniture. But when that baby comes, you’re going to realize just how much everything costs!

Your eighteen-year plan

Having children provides every lesson there is to be learned about preparation and moderation. Whether you’re budgeting how many diapers you have left before a box store run or cutting back on monthly expenses that are already cut back too much, your future is going to be there when you show up. Have a financial plan involving which parents are going to work or stay home, a monthly savings plan taken out of your paycheck, and selling off or eliminate long term financial commitments and get out of a timeshare contract or lease for the latest model car.

Consider moving–even if it means finding a new career

Yes, everything is cheaper somewhere–but at what cost? Consider several places you could move if you had to, and what kind of support you would have regarding day care, family visits, and personal happiness. Moving somewhere just because you can afford a house there won’t help your marriage or parenting if you’re miserable. But moving to a more affordable location near family could just be the best thing to save your wallet and junior’s college savings plan.

Renegotiate your debt as much as possible

Settling credit card debt and paying down college debt are two of the biggest factors in your credit score. Whether you’re buying that family van or moving into a bigger space for that second child, debt is going to follow you for the rest of your life if you don’t take charge now. You’re not going to win the lottery, and you may be making less in ten years, depending on the economy and the job market. So consolidate and pay off your debts now, whether you think your credit score will be affected or not. As soon as that baby comes, all of your time, energy, and money is going to providing for and protecting that child at all costs–and be sure that it costs!

Whatever your plan is, have a financial vision that is reasonable, fair, and one that always looks to the future. You’ll be thanking yourself in the future–and so will your kids.

The Different Loan Uses with Americor Funding

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Americor Funding is a popular loan provider in this country and for good reason. Mainly, they are committed to offering superior customer service and to coming up with solutions to help people get out of debt as quickly as possible. One way in which they achieve that is by offering personal loans. These loans can be used in a range of different situations. Whether that is an opportunity to consolidate existing debt, to handle on of life’s emergencies, or to renovate a home, Americor Funding has the solutions in place that people need, when they need them.

Americor Funding Debt Consolidation Loans

One popular solution is the debt consolidation loan. This ensures multiple unsecured debts, such as store and credit cards, are bundled into one. The monthly payment is much lower than the combined payments on all other cards and the repayment term is much lower as well. Uniquely, Americor Funding offers their clients fixed interest rates and a set repayment term. This ensures people know exactly when they will pay and what they will pay for. Indeed, Americor never charges any hidden fees, prepayment fees, application fees, or early repayment fees.

Americor Funding for Home Improvement

Americor’s home improvement loans really stand out from the crowd. They have been designed so that people don’t have to tap into their savings to make their house a home. In fact, they don’t even have to touch their home’s equity in order to complete a project. Instead, they can repair or renovate their home as they see fit, increasing it in value.

If you want to remodel your kitchen, landscape a garden, or turn your basement into an extra room, you will need quite a bit of money. An Americor loan can provide you with that money just as you need it. Without needing to release equity or to refinance, you can buy new furniture, upgrade your kitchen and its appliances, set up a new home security system in your home, and so on.

Of importance is the fact that these loans are not home equity loans. With the latter, you use your home’s value as collateral for loan. Hence, if the value of your property goes down, you may not be able to get a loan at all, even if you otherwise qualify. Americor Funding looks at the credit worthiness of the individual, not of the property. This is also why, if you are accepted, the funds will go into your bank account, meaning you can use them as you see fit.

Americor Funding for Unexpected Expenses

Lastly, Americor is happy to help when people face an unexpected emergency. These emergencies are always hard to prepare for and most people simply don’t have the savings available to manage them. Americor provides emergency loans, however, that are perfect for these situations, whether it is a wedding of a long lost close friend or the death of a parent, a broken roof or a broken car. Help is out there.

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We left our home in Sydney, Australia many moons ago in May 2012 and, other than a brief stint back in Perth for Christmas and a wedding in early 2014, we have been travelling the world nomadically ever since, running a business from our laptops and we’re here to show you how to do it!