Wednesday, August 14, 2019

The benefits of being self employed

 This is a sponsored post with Diamond Bloggers.

When I was pregnant with Noah, I knew I didn’t want to put him in daycare if possible. I wanted to be able to be home with him and take care of him full time. It was really important to me. After he turned two, I decided that I wanted to work from home. This was when blogging was in its infancy. So, I have always liked to write and I decided to work from home. It was interesting in the beginning because I didn’t really know exactly what I was doing. I had made some mistakes but I learned and grew from them. I am considered a independent contractor and not an employee of any brands I work with. Being self employed can definitely have its ups and downs. I remember crying at the beginning that I wouldn’t have companies to work with. Being self employed can be scary at first because you are not sure if it will work out. It’s totally worth it.

There’s many benefits of being self employed. The main one for me was being able to be home with Noah. I didn’t have to worry about finding and paying for daycare. I am able to travel whenever I want and can work from anywhere. It’s nice to be your own boss and create your own schedule. I have deadlines to meet but usually I can set my own hours. If I am not feeling well or if Noah’s not feeling well, I can take care of him or me. It’s nice to be able to go pick him up from school and not have to worry about taking too much time off. Blogging is great most of the time.

There’s also a downside to blogging or any self employed job. Some types of self employed jobs, depending on what you would like to do, may have some start up costs. If you make things to sell, you will need to have money to do so. If you want to sell anything where you need inventory you will also need capital. While blogging doesn’t require physical inventory, you still need a good computer, internet, domain and hosting.

Thankfully, there are self employed loans that you can qualify for to get your business off the ground. Self employed loans are different than regular loans you can get at your bank. They are specifically for self employed people. The lender is educated in small businesses and may be mid understanding. They may even be able to provide you with some good solid business advice. They want to help you. They want you to succeed.

There’s some uncertainty about whether or not you will like it, you are not sure you will be in the black or if you will make money. You definitely have to be focused and self driven. You may not have a steady income for a while or ever. I don’t always know if I am going to have work every month. It can be a bit nerve-racking. Being self employed has taught me how to budget and save for those months where I am not successful as I would like. It’s also taught me patience and I have made a lot of good friends and connections.

Travel Journals

Traveling is so much fun when you go with your family or friends. You can make so many memories on vacation to remember for years to come. When you get in the car and go on a road trip  with your children when they are young, they don’t really remember the trip. Even with a great memory, there are parts you will forget. We all take pictures all the time with our phones. We don’t have to worry about packing a camera anymore. Instead of having a file of pictures on your hard drive, on a cd somewhere or a stack of photos tucked away in a drawer somewhere, why not do something creative and create a travel journal.  You can make your own travel journal or make it a family effort.  It’s really easy and fun. You can look back on the trip and remember all you did and all you saw. 

Some things you will need for a Travel Journal:

A notebook to write down things you want to remember, conversations you had, maybe some funny quotes. Have your kids write something each day about their favorite part of that day. 

Photographs of your trip and remember they don’t have to be photographer quality. People tend to get hung up on how great the photo has to be. Candid shots are great, it really captures the essence. 

Post cards that you picked up along the way on a road trip or at your destination. Some hotels have postcards of the hotel in your room. 

Menus of places you ate at, paper ones please, don’t take their menus.  Kids menus are great too especially if your children drew on them. 

Ticket stubs and receipts – We save ticket stubs for movies, theme parks and sporting events but never do anything with them. 

A nice hard covered journal with either blank or lined paper depending on the style of travel journal you want. You could also use a photo album. 

You can decorate it any way you want. Have the kids help by drawing pictures and write in it. Using patterned paper and stickers can really make it pop. There are so many different themed stickers at your local craft store. 

You could get travel journals for each of your children to write about the trip and draw pictures as a personal keepsake for them if they are older. 
It’s really something you can keep for years to come and share with generations to come. It would also be a great way to remember a special trip or person.

Tuesday, August 13, 2019

Types of Personal Injury Cases

This is a sponsored post with Diamond Bloggers. 

When you think about a personal injury attorney, you will likely think of an attorney that ligates car accident cases. While a lot of personal injury cases are for car accidents, there are other types of personal injury cases too. A personal injury attorney is a civil lawyer who represents either plaintiffs or defendants in a case. They specialize in civil law where someone is injured. This injury could be physical or financial.
Here are some of the types of cases a personal injury attorney handles:

You can hire a personal injury attorney like Kinney, Fernandez & Boire when you slip and fall at the grocery store. It would really depend on the circumstances of the injury and if the grocery store could be held accountable. In any slip and fall case you can consult an attorney and see if you are able to sue for damages.

Medical Malpractice is a case for a personal injury attorney. If your loved one has a surgery or is in a doctor’s care and they pass away or injured due to negligence you can possibly have a medical malpractice suit. It really depends on the risks with the procedure or care.

Assault and Battery is a crime but it’s also something you can take to civil court. When you have a criminal case, you have a verdict of guilty or not guilty. Damages are not usually factored in the sentence. If someone were to batter you, you have the right to sue for your medical bills, pain and suffering and damage to property. It’s probably best to wait until the criminal proceedings are over with, especially if they take a plea. In some cases, you can get damages even if they aren’t found guilty. Civil court is different than Criminal court. In Civil court you have to only tip the scale a little in your favor. Your attorney would have to show that it was more likely than not that they caused the damage.

Last but not least, Slander and Libel cases. People get those mixed up all the time. Slander is when you say something and libel is when you write it down. The way I remember it is Slander and speak both start with s or Libel and letter both start with L. Both Slander and Libel are defamation cases. It can be tricky to win a defamation case because you usually have to have proof of financial loss. It’s important to have a good attorney who can help you with that.

You may be considering going to small claims court instead of hiring an attorney. Small claims court is where you have to state your case to the judge. There are also limits on how much you can sue for depending on your state. While hiring an attorney may cost you money, you may have the option of having the other party pay your legal fees. Unless you know what you are doing and you are suing for a small amount of money at least getting a consultation with an attorney is probably a good idea.