Friday, 3 March 2017

An Injury At Work Doesn't Have To Be A Pain In The Wallet

Getting injured is nobody’s idea of a walk in the park. Of course, you have to deal with the recovery and healing of the injury itself. Then, you also have to consider the time you spend outside of work and the money you spend on living. With an injury in the mix; life can be really shaken up. And, the wallet is the place that feels the hit the hardest. Getting hurt doesn’t have to be this way, though. If the injury was someone else’s fault; you are in a good position. So, to help you out, this post will be going through some of the things that you should consider if you’re injured by someone else.

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In a lot of places, spending time in hospital and receiving treatments usually costs a small fortune. Of course, if you have insurance; this won’t be so bad. But, a lot of people don’t think about this measure until it’s too late. And, you can’t get insurance for an injury that’s already happened. Put people is a terrible position. According to Social Security Attorneys at Pisegna And Zimmerman LLC, you can use the disability benefits if your medical condition abides by disability law. Treatment can stop if you are unable to pay for it. And, then, you have to deal with the debt that comes with it. All-in-all, most people can’t afford to have long stays at the hospital.


Along with this, a lot of people have to spend time out of work if they are injured. Most jobs won’t pay you very much when you’re off with an injury. And, the ones that do will only pay for a short period of time. So, most people end up in a very bad place when they’re injured. Because of the medical bills, life is much more expensive than usual. But, without any income; it’s impossible to pay for these new issues.


In this sort of situation, most people would agree that you are entitled to some sort of compensation. When you’re put under this much pressure, and it’s not your fault; it’s important that you don’t have to deal with the brunt of the consequences. That’s where a site like http://www.taradashlaw.com comes in. Professional personal injury lawyers have the knowledge and experience to help you in a situation like this. And, they’ll be able to take the stress off of your shoulders during the ordeal. Having someone like this to fight your corner is great; but, you need to make sure that you choose a good option. You should always choose a lawyer with a good track record in the area of law that you are dealing with. It is always in your best interest to find a lawyer that has been able to get large settlements with older cases. Of course, some people don’t like the idea of chasing things like this. But, it can be the saving grace that pulls you out from the stress of living with an injury. So, it’s worth it.

Hopefully, you’ll never need to use this information. And, it’s likely that you never will. These sorts of situations are quite rare. But, it’s worth having some awareness just in case it does happen to you. This sort of information can be invaluable in your time of need.

Thursday, 2 March 2017

Retaining Mom Status After Suffering A Serious Injury

Super Woman, Flying, 3D Figure, Female, Young

Injuries caused by negligence can happen to virtually anyone at any given moment. Sadly, the fallout of those unfortunate episodes can be catastrophic. As a mom, though, you simply cannot afford to let it impact the lives of your family. This is why you must maintain control throughout this difficult chapter.

So how exactly can you do that? Here are five top tricks to help you along the journey.

#1. Look The Part

It may feel like the whole world is collapsing around you, but you cannot afford the kids to see those chinks in your confidence. Quite frankly, going the extra mile to brighten your physical appearance is just as important for them as it is for you.

Let’s face it; looking great is a big part of the whole mom vibe. Seeing a better reflection in the mirror will give you the confidence needed to attack the challenges currently standing in your way.

#2. Get Medical Support

As a mom, it’s often difficult to accept help. Seriously, though, the support of a medical team could be the key to getting you back on track ASAP. Operations and rehab treatments aren’t the only solutions to aid your recovery either.

Your world won't stop turning just because you suffered an injury. Therefore, medicating yourself with the right painkillers and tablets can be vital as you look to complete your daily tasks. Visit http://www.usamedicalcard.com/ to find out about cutting the financial costs, and you’ll be in a far better position to continue those mom duties.

#3. Work As A Family

The key to a happy household is to generate a sense of unity. This is particularly important during this time of need. You don’t want to gain the pity of your family or make them feel guilty. On the other hand, spreading out the responsibilities can aid your recovery and ability to cope.

With a Crock Pot, even your inexperienced partner can cook some fantastic meals in next to no time. Meanwhile, teenagers can take responsibility by completing some chores and keeping the home a little tidier. By removing those strains, you’ll be able to focus on getting better and spending time with your loved ones.

#4. Don’t Roll Over

A personal injury can knock your confidence. However, if you’ve been made to suffer due to someone else’s negligence, then you should fight for justice. Firstly, that compensation will be extremely useful. Secondly, it sets the right example for the kids.

With all the other hassle going on, your best bet is to use an expert. Visit http://mattsharplaw.com/ to gain further information about having your claims represented in the best manner. If nothing else, gaining that financial stability will give you the freedom to concentrate on other tasks.

#5. Maintain A Healthy Lifestyle

Leading a healthy life should be top of the agenda at all times. However, fuelling your body with the right foods and staying hydrated is more important than ever. Likewise, even a little light exercise can be extremely beneficial to your physical recovery as well as your emotional status.

Perhaps the greatest tip of all, though, is to get a good night’s sleep. That recuperation time will work wonders for energy levels. In turn, that will enable you to maintain the energetic and loving persona of any great mom.

The Kids Come First: Taking The Stress Out Of Seperation

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Separation can be a difficult and troubling time for a family. Of course, this sort of action is usually taken with the right intentions in mind; when family life isn’t good for the kids. So, with this in mind, most parents want to make this process as easy for their children as possible. Of course, this will be hard. And, it’s very rare that a child won’t suffer some sort of fallout from this. But, in the end; it will be for the better. To help you out, this post will be going through some of the ways that you can make this time easier for your kids.

It’s important that you’re honest through this process. In the end, it’s likely that your kids will find out what’s going on. And, it’s best that they find out from you. So, when you make the decision to leave your partner; it’s important to make sure that the kids are aware. A lot of kids will feel as though this change is their fault. And, if you hide it from them; this will only make things worse. By being honest, you will make it much easier for your kids to come to terms with what’s going on. Plus, you won’t have to lie to them.

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Along with being honest with your kids; your kids should feel that they can be honest with you. As a part of this, you have to allow your children to make their own choices through this process. They should be able to choose who they spend most of their time with. And, they should be able to choose where they live. Of course, it may be a matter of practicality that the child stay with one parent over the other. But, this still needs to be discussed with the child.

In this sort of process, the hardest part of the kids can be the legal proceedings. In a lot of cases, children have to speak out against one parent. Or, in favour of another. It’s best to avoid these sorts of experiences, though. Most legal matters in this process can be settled at home. And, in the end, your kid’s happiness is much more important than money. So, it’s best to agree to terms that you both feel are fair; rather than take the kids to court.

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This isn’t always easy, though. Of course, there’s always going to be good reason for a separation. And, this will cause some conflict in some cases. For these issues, you may need the help of a professional family lawyer, like Matthew Kaplan. Professionals like this can take most of the stress out of this ordeal. And, they will be able to help you come to a fair resolution. In some cases, you may require their help for more serious matter. So, it’s good to have them there, just in case.

Hopefully, this will give you the help you need when it comes to separating. Of course, you should always think about your children first, when you’re considering something like this. It’s important to you now; but, it will be important to hem for their entire lives.

Issues Your Children Will Face (And How You Can Help)

Everyone goes through tough issues during life, and kids are no different. They will always look to you for help and guidance, and as such you should provide it. Issues aren’t always bad. In fact some are trivial. But there are certain things you need to help with as best you can, things that if you don’t help, could force your child to live a life that is worse. Kids are resilient, sure, but there are things that can hurt them and knock them back. This happens in varying stages of their life, so in no particular order, here are some main issues they face and how you can help them through each one.

Getting Into University

It is a huge issue. Everyone wants to get in, but not all can. You need to try your best to get them in. If they don’t, it will hurt their confidence and it will show. It may not be hugely important to them, but you know how vital it is to get into university. Everyone does it these days, meaning people without degrees are the odd ones out. To get them in, consider using admissions coaches, who can be found at http://ivyselect.com. You should try your best to help them, it is a pivotal time in their life and one you need to try hard at to help them. You could also consider hiring tutors to help them during their exams. There will always be certain subjects that they struggle with, so try to get a tutor to help them out. Just don’t overload them with things or they will stall.



Being Bullied

It happens more often than you think and is hugely damaging on the mindset of your child. It can force them into a timidness they can’t escape. A timidness that damages their future outlook on life. It can also be physically dangerous if the bullies are that way inclined. This is an issue that you may need to step in on. You may need to pull them out of school and send them somewhere else. It can be hard finding out if they are actually getting bullied, but you will find out based on your child's behaviour. Get the school involved straight away. They need to know and can stop it happening to someone else.

Death

There first brush with death will likely come from a departing grandparent. But, there could be a more unfortunate case where a friend passes away or someone else they consider close. It can be strange, and equally harrowing to talk to a child about death. They won’t understand. But it is a moment you need to spend time on and teach them to deal with it otherwise they will develop a complex which could manifest in bad ways down the line. They may grow scared at doing anything they think dangerous for example. This is something you need to address at the earliest opportunity. A pet can be a good illustration of death, so consider buying them a cat or dog at a young age that they can grow with. It sounds morbid, but it is a great way to show the kids the cycle or life.

Ever Heard Of A Healthy Pizza Party?

Birthday parties are such a difficult thing to discuss with your child, aren’t they? They have balloons, games, food and almighty bouncy castles in their eyes and we see the dollar signs rolling. When you’re living to a budget, it’s not an easy discussion to say you can’t afford it. Especially when you don’t have to utter those words.


Childhood is about creativity and adventure. Children believe in magic and unicorns and fairies so they believe that anything is possible. And it is, if you put your mind to it! While there are plenty of party ideas like these ones out there, your home is next big party venue and your brain is the entertainment – so it’s time to put your mind to it and check out some of the best kid’s party ideas on a budget:
  1. Garden party. If you have a back yard, you can hold a tea party or picnic in the garden. Decorating the yard is easy when you have nature on your side looking beautiful. All you need is balloons, glue and string to make bauble bunting like this for the trees or bushes. Serve finger foods and play sporty games in the space you have; the games are free! Children love to play games and that’s exactly what’s on offer.
  2. Pizza party. Have you ever had a healthy party for kids? Probably not as parties are usually full of gummy worms and cookies. But with a pizza party, you’re offering something educational, delicious and homemade – guaranteed parental approval! Aim for pizza bases from www.deeks.com.au and you can choose wheat, gluten and even soy pizza bases that will appeal to children with allergies or sensitivities.
  3. Indoor sleepover. Anticipating rain over the birthday weekend? Handmade invitations to a sleepover can avoid that one! All you need is DVDs, a delicious dinner of whatever you like and some torches for night time ghost stories. Kids are easily entertained and hide and seek is still a favourite. Failing that, set the kids up with the latest video games and listen to the laughter!
  4. Fancy dress party. Have your child pick the theme, and hold a party in the sitting room. Be inspired by different ideas on Pinterest and put your crafty brain in gear for the décor. Dollar store materials can be used to make the perfect party outfit and you can hold a competition to judge the most creative costume. Prizes can be in the form of homemade cupcakes or trinket prizes from the supermarket.


Children may have some big ideas on their birthday party needs, but you can go above and beyond without spending beyond your reach. Never get yourself into debt with a party of any kind and always make the most creative choices. You’ll find that your house will be the one all the kids want to go to because of your own inspirational creations. Have a birthday party with a bang and don’t panic about the budget; the inspiration is there you just have to find it!

Follow me on Pinterest and Instagram for more amazing self-care tips and so much more. 

We are always looking to share our financial experiences while raising a family and running our own businesses. We used to be terrible with money and now we are very financially successful and responsible. We love to use credit cards believe it or not and they can actually have many benefits if used correctly. We have dug ourselves out of debt in a huge way over the last 5 years and always want to help others do the same. Take some of our amazing tips and make a better life for you and your loved ones. Don’t forget to look at the best credit card for cashback!


Wednesday, 1 March 2017

Tips and Tricks to Save Energy in Your Home


As utility bills skyrocket, this winter season has reminded us to find ways to save energy and money— even with the unusual warmer weather lately.

With that in mind, I thought I would drop a line to see if you would be interested in chatting with Chris Phillips, President of Greening Homes, about the various unique ways to save energy in our homes.

To make your home more efficient, Chris suggests the following:

  • Crank down your thermostat and keep warm using sweaters, socks, long pants, and slippers instead. This could save you as much as 4 per cent on your heating bill.

  • Save your hard earned money and bring the LEDs out! LED lightbulbs can reduce energy consumption by 80 to 90 per cent and can last up to 25 percent longer.

  • Take advantage of the latest technology and install a programmable thermostat. The Nest Learning Thermostat, for example, automatically adapts as your life and seasons change. It keeps you cozy in the afternoon and cool at night.

  • Allow sunlight to naturally heat up your home by opening your drapes and blinds on bright sunny days. Close them back up at night to reduce the cold air coming in your home. 

  • Find air leaks either on your own or with the help of a professional. Feel around doors and window frames and once you’ve found them, seal them up by caulking or weatherstripping. 

  • Stop the energy vampires by unplugging your devices when they are not in use. Can’t get your kids to comply? Consider a Tier 1 Advanced PowerStrip which saves energy by reducing the amount of standby power wasted in your home!

  • Finally, the oldest trick in the book— turn off your lights as you leave the room.

   

Quit Smoking & Get Active!

New Study Confirms Run to Quit helps to boost physical activity and cut down on smoking!


Six months after Run to Quit completed its first year, an impressive 40 per cent of participants surveyed said they had quit smoking and 43 per cent said they were also running on average three times a week.
In addition, 91 per cent of participants who completed the program said they had cut back on smoking and 97 per cent reported Run to Quit helped them to exercise more.
Run to Quit is being studied by researchers from the University of British Columbia for its potential as a chronic disease prevention program.

“We saw participants shift in terms of the way they saw themselves; first as smokers and eventually to runners fully embracing the Running Room culture. Their confidence to both quit smoking and run increased as did their overall physical and mental health scores,” says Dr. Carly Priebe, a researcher at UBC.

Participants’ confidence to quit smoking grew from 67 per cent at the beginning of the program to 80 per cent by week three.
“Maintaining health behaviour change is really difficult, but 24 per cent continue to be engaged with Running Room walk and run programs,” reports Priebe.

Run to Quit is a unique program that pairs the quit-smoking expertise of the Canadian Cancer Society with Running Room Canada’s learn to walk or run 5 km clinics. The step-by-step program helps smokers cope with discomfort and cravings through its simple and encouraging approach to cutting down while they become more physically active.

“While quitting smoking is the biggest goal for most Run to Quit participants, we know that staying active is important to reducing the risk of chronic diseases such as cancer. We were happy to see that participants really embraced exercise,” says John Atkinson, director, cancer prevention and tobacco control, Canadian Cancer Society. “Participants who continue to exercise are doing even more than the recommended guidelines of 150 minutes of moderate to vigorous activity per week.”

In its first year, Run to Quit welcomed more than 1,000 participants in all three streams of the program – online, do it yourself, and in-store training. In-store training was offered in 21 stores in six provinces. This year, the program has expanded to include 50 stores in all provinces as well as online training options available three times per year. The program will continue to expand to more than 100 stores next year to reach as many smokers as possible.

“Run to Quit’s pilot program shows promising results in influencing measurable healthy behaviour and lifestyle change," said Dr. Jane Philpott, Minister of Health. "This innovative quit-smoking and active living program is a leading example of how government, the not-for-profit and the private sectors can work together to encourage healthier lifestyles for Canadians."

Emmanuelle Connelly was a smoker for more than 30 years. She started as a teen and tried to quit several times over the years, but it wasn’t until a routine mammogram gave her a health scare that she decided she really needed to quit urgently. Her aunt had suffered from cancer and Emmanuelle was determined to reduce her risk as much as possible. 

“I have never been physically active and the thought of having to run in public intimidated me, even more than quitting smoking,” says Emmanuelle. ”But Run to Quit’s approach to quitting smoking and getting active was done in baby steps and the group kept me accountable. Once I overcame my first craving, I knew I could quit smoking and used the techniques I learned from the program. In the end, I quit smoking and I continue to run. It’s liberating to be able to lace up and run anytime I feel like it.”

Survey results show that 100% of participants who completed the program would recommend it to a friend who wanted to quit smoking.

“I am a former smoker, like so many of our Run to Quit trainers,” said John Stanton, founder and CEO of Running Room Canada. “It’s been a thrill and privilege to show people through Run To Quit how to identify as athletes and to commit to an athletic lifestyle with the help of our running and walking clinics. We look forward to welcoming current smokers to be lifetime athletes with the camaraderie and support of our running community.”

Additional information on survey results:

  • 1000 participants joined all streams of Run to Quit in 2016
    • 184 in-store clinics
    • 71 online clinics
    • 815 Do It Yourself program
  • 83 participants were interviewed as part of the six-month follow up survey
    • 40 per cent reported quitting smoking
    • 28 per cent were successful at not smoking for six whole months (since the training program ended)
    • 43 per cent per cent said they were also running on average three times a week.
Registration for Run to Quit is now open and available in all provinces across Canada. To register or for more information, visit runtoquit.com. Run to Quit is funded in part by the Public Health Agency of Canada. Thanks to quit partners NICODERM® and NICORETTE® all eligible participants will receive coupons for nicotine replacement therapy products to help them quit smoking.

Q&A to Researcher: Is the strength in this program the maintenance quit smoking rate and sustained physical activity rate six month after program completion? Or is the strength of the program that it gets people physically active while quitting smoking? 


"I think that BOTH of these are huge assets of the program! We often don't see behaviour change maintained over time so the fact that we saw decent quit rates and a significant increase in physical activity and then saw this maintained is a really positive finding. It's also important to highlight that this program targets multiple health behaviours and therefore gives you more "bang for your buck" when it comes to health and a lifestyle change. Even if someone didn't quit, increasing physical activity is an important outcome. If you can do both (quit and increase activity), you're well on your way to numerous health benefits (in the case of quitting smoking, many of these health benefits are very immediate). In terms of bringing in the evaluation, our findings support that the program truly does target BOTH of these behaviours (smoking cessation and activity) and we saw significant changes in both."

About the Canadian Cancer Society
The Canadian Cancer Society is a national, community-based organization of volunteers whose mission is to eradicate cancer and enhance the quality of life of people living with cancer. Thanks to our donors and volunteers, the Society has the most impact, against the most cancers, in the most communities in Canada. For more information, visit cancer.ca or call our toll-free bilingual Cancer Information Service at 1-888-939-3333 (TTY 1-866-786-3934)

To Smoke Or Not To Smoke

The March Referral Bonus Is Here!


March is here, and it's bringing you the chance to get a $5 bonus from Swagbucks! Swagbucks is a rewards site where you earn points (called SB) for things you're probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Starbucks, Walmart, Target, or PayPal cash. 

When you sign up through me this month, you can earn a $5 bonus! Here's how: 

1. Sign up using this link 

2. Earn 300 SB total before 4/1/17. You'll get a $3 (300 SB) bonus for it! 

3. If you spend at least $25 through Swagbucks Shop* you'll get another $2 (200 SB) bonus on top of the cash back you'll get from shopping. If you have some shopping to do online, just go to Swagbucks first and visit the store through them. It doesn't cost you anything extra, but you'll get SB points for every dollar you spend (on top of the bonus)! 

That's it. It's super easy, and Swagbucks is for real. I use it myself, and I've earned [GIVE EARNED SB AMOUNT, WHAT YOU SPEND IT ON] 

*You must receive your shopping SB before May 1st