Main

How to Survive the Wrongful Death of Your Loved One

Wrongful death of a loved one might happen to you when you don’t expect it. This might be something that you have experienced before and it left you in disbelief, feeling helpless, often without money to continue to support your family. If this is something that describes your situation, you might want to continue reading this post. Here are some tips that will hopefully help you to survive this very challenging time in your life:

  1. Get emotional help as soon as possible. This can mean connecting with family members, friends, or other specialists who might be able to listen to you. You have every right to feel all kinds of emotions right now: anger, disbelief, sadness. Make sure that you express those emotions properly so that you don’t keep them to yourself only. Getting the right help at the right time can make a lot of difference in terms of how you are going to be able to handle the death of your loved one.
  2. Make sure that you have enough finances to be able to support your family. This is especially true if the deceased was the main caretaker for your family. Very often in case of wrongful death you will be eligible for some compensation, so you might want to make sure that you don’t miss out on any missing payments that you qualify for. In case you are unsure how to proceed, you might want to contact a person specializing in such matters such as a miami accident lawyer to help you shed some light to the important aspects that might be related to your case.
  3. Don’t expect things to get back to normal fast. Such situations usually take time, but it is up to you to speed up the recovery from the situation. Give yourself enough time to grieve as this is absolutely normal to feel various feelings straight after the wrongful death of somebody you loved very much. If possible, take a short vacation to come to terms with your loss and engage in a hobby that will allow you to feel normal again. Don’t think that you should feel sad all the time. Do the things you love and everything will seem a lot easier to handle once you get used to your new situation.

Make Your Company Known around the World

In this day and age, going international for many businesses is a must. Gone are the days where all you had to do was to reach your neighborhood, your city, or your country. Now, many companies turn international due to the huge benefits that await when you broaden your horizons and reach places you have never tried to reach before.

1. One of the benefits of reaching important foreign countries with commercial potential that suddenly your goal market becomes a lot larger than it previously has been. This won’t happen overnight, but with the help of the right Translation Agency will become a lot easier. Going international can ensure that you might finally be able to reach people who better understand your products and who are more receptive to them. If your company has been struggling in the past, this can turns the things around for you suddenly.

2. In order to reach other countries you will need to advertise your products or services to other countries by making them understand what it is that you have to offer. Again, this can be done better by using the help of a translation company to Translate your business documentation who will do a large portion of the job for you. You can try to translate all the documents your self, but not only will it be difficult for you if you are not a professional translator, it might actually do more harm than good. Beware of hiring translation agencies with little or no experience even if their prices are competitive as this might do more harm than good as well.

3. Reach other countries will allow for sharing in native languages the values of your company. In your translation endeavours, don’t forget to translate your website as well with all the target languages. Many company owners make this serious mistake and then suffer the consequences of it. Make sure that your website appears in as many languages as possible and don’t use a rogue translation agency to do the job for you. After all, your website is often your first point of contact with potential customers, so they will be making their decisions whether to trust you or not usually after a few seconds spent on your website. The very first impression matters, and it is very difficult to change it later.

4. Using a translation agency will also allow you to get close to users thoughts, feelings and needs. You need to maintain a dialogue with your customers, keeping then interested and engages. Even if it means that you will have to use a translation agency more than once to complete your objectives, it is alright as long as it brings you the profits you expect. You might want to translate more than just your website with the help of a translation agency. Keeping your social media accounts fresh with new content that is translated into various languages will keep your company afloat making sure that new content is being added on a regular basis and that all your clients stay up to date with the latest developments in your company.

It Is Time for Gold Independence Day 2019

If you are an investor, you need to be able to make all sorts of decisions. One of them is deciding in which type of assets you will want to invest. Two obvious choices here are crypto currencies due to the popularity, as well as gold that has always been popular. Having said that, it turns out that you don’t have to make that decision anymore as thanks to the introduction of a new currency called The Karatgold Coin (KBC) you can easily exchange it into gold if this is what you wish to do.

Exchanging Karatgold Coin into gold is not possible yet, but it will all become reality on so-called the Gold Independence Day 2019, which will take place on 04.07.2019. You might want to mark your calendars now, because this is when for the first time Karatgold Coin will be able to turn it into gold. As Harald Seiz, the CEO of KBC said, “We keep our promises and now make the exchange of coins into physical gold at a sensational conversion rate possible for the very first time”; “we said it – we do it”.

Below you will find some reasons why investing in KBC is a better option than investing in Bitcoin.

1. Every Karatgold Coin is always backed up by gold, a tangible asset. This only proves how safe this new currency is. Up until now, various investors have been vary of cryptocurrencies regarding them as unsafe due to a number pf hacking attacks on Bitcoin. Nothing like this can happen in case of Karatgold Coin and should make all the investors more at ease.

2. The exchange will take place at an amazing rate of 1 gram of gold with 24 carats for 100 coins. You might want to remember the motto that “tokens / coins become gold”. This will happen on the 4th of July 2019.

Is Owning An Electric Car Cheaper Than A Petrol Car

It’s no secret that owning an electric car costs for less to maintain than a converional car. It costs far less to charge than a petrol car costs to fill up and maintenance costs are far lower. This is because an electric car’s ‘engine’ has far fewer parts than a combustion engine does. Combustion engines have several hundred moving parts whereas an electric motor has less than a dozen. And because there are fewer parts in an electric car, car insurance will be considerably cheaper. In this article we break down the costs of ownership for both electric and petrol cars.

Fuel Costs

Electric Cars

The Tesla Model 3, fitted with the 75 kWh battery option, has an estimated range of 500 km on a single charge and its consumption sits at a reported 14,73 kWh/100 km. Taking into account the current electricty rates in South Africa, which sit at R1.54 per kWh, it would cost R115.5 to ‘fill up’ a Tesla Model 3. The average mileage driven per year is roughly 20 000 km, so the average cost per year to drive an electric car would cost roughly R4 620.

Petrol Cars

An Opel Adam has a 38 litre fuel tank and an estimated real-world consumption of 6.2 l/100 km, making the range on a full tank roughly 612 km. With petrol currently costing R 16.85 it would cost R640.3 to fill up an Opel Adam. Combine this with the average yearly mileage of 20 000 km and you’re looking at spending R20 924.83 a year just on petrol. That’s five times more expensive than an electric car.

Maintenance

It’s difficult to put a price on maintenance for electric cars because they’re fairly new to the South African market. We contacted BMW and Nissan to find out about maintenance plans for the BMW i3 and Nissan Leaf respectively, but weren’t able to get a definitive response by time of writing.

Suffice to say that costs will be far lower mostly because of the lack of parts that need replacing in the electric motor as mentioned before. In addition, nearly all of the latest electric cars built these days come with regenerative brakes which slow the car down automatically when lifting your foot off the accelerator. This means you won’t be stomping on the brakes as much and in turn, you won’t need to replace brake pads nearly as often as you would on a petrol car.

The most important part of an electric car is its battery. It dictates the car’s power and travel distance and so when you go out to buy an electric car you’re looking at the battery in the same way you look at a petrol car’s engine specs. It’s importance is equavalent to that of a petrol engine and it’s replacement cost is just as high. If you’ve ever needed to replace your car’s engine you’ll know very well that you’re better off buying another used car or even an entry-level new car.

Thankfully, all electric cars come with a battery warranty that covers you for between 6-8 years or 150 000km/200 000km, whichever comes first. Warranties vary between manufacturers and you need to be sure to read the warranty carefully before signing because most electric cars have specific conditions you have to adhere to in order to get your replacement battery for free.

Conclusion

Electric cars are undoubtedly going to become the first choice when it comes to owning a car. Costs are far lower and your impact on the environment is going to be far less than that of a petrol car. We suspect petrol cars will become an enthusiast’s hobbie at some stage in the same way muscle cars have become.

LEGAL ENTITY MANAGEMENT: BUSINESS ENTITY MANAGEMENT OF MULTINATIONAL COMPANIES.

ENTITY MANAGEMENT

Entitу mаnаgеmеnt rеfеrѕ to the gоvеrnаnсе of thе legal framework of a business оr соmраnу, thiѕ соvеrѕ every аѕресt оf thе lеgаl mаnаgеmеnt ѕtаrting from gоvеrning the legal dераrtmеntѕ оf thе соrроrаtiоn, соmрliаnсе аnd аn adherence tо thе companies’ rulеѕ. Entity management iѕ a vеrу broad concept in buѕinеѕѕ as this ѕуѕtеm involves administrative mаintеnаnсе, rеgulаtоrу compliance аnd сhесkmаting buѕinеѕѕ асtivitiеѕ going on within the organization as wеll as thе book-keeping оf diffеrеnt buѕinеѕѕ activities. The dераrtmеnt rеѕроnѕiblе fоr entity management handles infоrmаtiоn соming in аnd gоing out of the оrgаnizаtiоn. Whеn it соmеѕ tо еntitу mаnаgеmеnt соmmеrсiаl lawyers, the bоаrd оf dirесtоrѕ, general соunѕеl, аnd оthеr раrаlеgаlѕ аrе аll working in accordance with the corporate compliance.

WHY MULTINATIONAL COMPANIES ARE STRUGGLING WITH ENTITY MANAGEMENT

In today’s wоrld, thе difficulty in gоvеrning entities has mаdе mоѕt multinаtiоnаl companies sort for a lеѕѕ expensive mеаnѕ thаt can effectively rеасh the dеmаndѕ of compliance undеr the law аnd nоw mоѕt glоbаl companies hаvе resorted tо outsourcing thеir еntitу mаnаgеmеnt in thе bid to mаnаgе thеir еntitiеѕ еffесtivеlу.  Whilе mоѕt multinаtiоnаl соmраniеѕ аrе lооking fоr аn alternative means оf managing thеir еntitiеѕ the ѕtrugglе оf mаnаging a lеgаl еntitу is bесоming a соmmоn thеmе in the business ѕесtоr. Thеrе аrе more сhаngеѕ in intеrnаtiоnаl роliсiеѕ whiсh hаvе mаdе it difficult tо dеvеlор a раrtiсulаr type оf mаnаgеmеnt ѕуѕtеm аn еxаmрlе iѕ thе case of Brexit fоrсing соmраniеѕ tо аdорt a legally diѕtinсt еntitiеѕ аt thе British and European levels, аnd, thе new trump law also lays аn еmрhаѕiѕ оn cracking dоwn on рrоfit ѕhifting like nеvеr bеfоrе. Thеrе are other fасtоrѕ аnd in most cases, ѕоmе multinаtiоnаl соmраniеѕ are rеѕроnѕiblе fоr thе poor management of thеir lеgаl еntitу.

BENEFITS OF A LEGAL ENTITY MANAGEMENT

MITIGATE THE LEGAL ENTITY RISK: managing a lеgаl еntitу hеlрѕ to mitigаtе legal risk given the fact thаt a lеgаl еntitу mаnаgеmеnt can hеlр tо еrаdiсаtе аll fоrmѕ оf роtеntiаl liаbilitiеѕ within аn оrgаnizаtiоn. Thiѕ hеlрѕ to еnѕurе thаt the соrроrаtе vеil iѕ ѕtriсtlу аdhеrеd to thereby mаnаging the lеgаl riѕk оf the organization’s corporate form.

AN EASY TO MANAGE STRUCTURE: Whеn a legal еntitу iѕ properly managed it can help сrеаtе a ѕimрlеr ѕtruсturе which hеlрѕ in the соmрliаnсе system. A well-managed entity system саn create a mоrе fаir ѕуѕtеm, a bеttеr compliance with the rules аnd regulations оf the gоvеrnmеnt аnd a better rероrting ѕуѕtеm.

 A BETTER COMMUNICATION OF THE CORPORATE LEGAL TEAM: A lеgаl еntitу саn hеlр еnѕurе thаt infоrmаtiоn rеgаrding thе lеgаl aspect оf thе buѕinеѕѕ iѕ рrореrlу соmmuniсаtеd. With a tеаm оf gеnеrаl соunѕеlоrѕ, the lawyers and оthеr paralegals infоrmаtiоn concerning the buѕinеѕѕ саn bе ѕhаrеd аnd ѕhоwсаѕing thе mеritѕ аnd dеmеritѕ оf a lеgаl ѕуѕtеm becomes a lot еаѕiеr.

A legal entity mаnаgеmеnt is imреrаtivе fоr every multinational company аnd it iѕ аlѕо imроrtаnt thаt mаnаging a lеgаl еntitу iѕ dоnе thе right wау, bу employing аn expansive ѕуѕtеm аnd adopting the right techniques a соmраnу саn асhiеvе lоtѕ of bеnеfitѕ.

 

 

 

 

 

The Realities of Being a Full-time Real Estate Investor

It’s no secret that a lot of people are enticed to become real estate investors as it seems like the easiest way to make money. Some people believe that it can pave the way for them to earn a six figure passive income annually that will let them live the life they’ve always dreamed of. While this can be achieved, it takes a lot of hardwork and smart thinking to make it happen.

If you’re thinking of venturing into real estate in Canada, there are a few things that you should consider before taking a leap. Here are a few of the realities of being a full-time real estate investor that you need to keep in mind:

It’s a high-risk industry.

The first thing that you have to know about doing anything remotely connected to the real estate industry is the fact that it’s very volatile. Things can turn quite easily in this area. And despite the promising numbers that it can generate over a couple of years, it doesn’t necessarily mean that you’ll get that without any additional investment. It’s a risky place to put your money in that even some experts consider it more of a service than an investment.

It doesn’t mean, however, that the risks won’t pay off, though. Because there are lots of cases where it did. It’s just that it won’t come without the right techniques. And this is where the second point comes in.

It’s an actual full-time job.

As mentioned above, a lot of people seem to think that investing full time in real estate means that you don’t have to work as much as you would with a day job. This isn’t true at all. Opting to invest on real estate should even make you work harder as you’ll be putting your money on the line.

Sure, you can be more flexible with your time and do other things on the side but it doesn’t mean that you won’t make an effort to make money from this investment.

The income isn’t steady, especially at the beginning.

Why should you make an effort when you already have a solid investment? For one, the income is not exactly steady in this kind of business, especially in the beginning. If you only have a property or two that you haven’t really put in the market yet, you can’t expect to earn from them right away, right?

It comes with a steep learning curve.

Another important point that experts want people to know about full-time investing in real estate is that it has a very steep learning curve. In fact, a lot of them don’t even think most folks who are interested in investing are actually interested in real estate at all. They say that the most successful investors are the ones who enjoy being in the industry because they’re more than willing to learn. So if you’re serious about getting in this line of work, you should be ready to learn and continue learning along the way.

Simply put, being a full-time investor in real estate isn’t all roses. It might be a very promising area to put your money in, but it will still require the same amount of or even more hard work to achieve success. So if you really want to give it a try, make sure that you know what you’re getting into as it’s not something that you should engage half-heartedly in.

Best Businesses to Start in 2018

Congratulations, 2018 could be your year of the entrepreneur. Here are highlights from my full list of the best businesses to start in 2018.

Here’s a list of the very best small business ideas for 2018 selected from a variety of industries, including the fastest growing industries as reported by business experts at Inc. magazine.

This list contains ideas that are profitable in 2018 and will continue to be money-makers in subsequent years.

They are proven to weather turbulent economic times and do not require advanced degrees or lots of prior experience. Most do not require substantial amounts of startup cash but all of them do require your dedication, perseverance, and hard work to succeed.

If your life goals include becoming rich becoming a small business owner may or may not achieve your goal. However, most small businesses, based on SBA business failure statistics for 2017, grow to healthy income levels and offer fulfillment because the owners make all the decisions. Additionally, small business ownership offers more flexible lifestyles and more stimulating workdays.

Trade skills in demand

It is no accident that trade skills are at the top of this list because there is a growing demand for tradespeople due to a combination of 40% of current trade men retiring in the next 10 years plus a reduction of young people studying trades as a career path.

These are the most in-demand trades in 2018:

  • Plumbing and pipefitting
  • Electrical and electronics systems
  • Welding services
  • Carpentry and instruction
  • Heating and air conditioning
  • Metalworkers and machinists
  • Masonry

Many of these trades are well suited as home-based businesses for self-employment. As compared to other commercial enterprises startup costs are lower for these trade business opportunities. Also, all of these trades are easily relocatable to different geographic regions.

Children’s services

There are a variety of great opportunities for business in the child’s market

  • Top quality education for preschool with focuses on environmentally friendly and outdoor school
  • Creative art events and courses
  • Tutors for core skills such as English, reading, and math
  • Fitness groups and lessons for swimming, soccer, tennis, and even golf.

Bicycle services

Bicycling has become America’s second most popular outdoor activity when measured as frequency of participation. Recent studies report that bike commuting has grown by 47% in 2018.

Most US cities are implementing or have already implemented programs to increase bike commuting to reduce traffic and vehicle congestion and pollution.

$81 billion is spent in America annually on biking which generates almost 800,000 jobs

If you enjoy biking this is a great opportunity to become a bike entrepreneur. New trends include pedal only bikes, E-bikes electric power is expected to sell over 50 million units by 2018. You can offer a service to take a regular pedal bike and convert it into an e-book like that allows replacement of the wheel hub and the addition of electric motors.

Mental health services

Health industry experts forecast 41% increase by 2020 of the need for marriage and family therapist. This is an excellent opportunity for home-based private practice mental health entrepreneurs. While you will need extensive schooling and licensing the profit potential both short and long-term are excellent.

Financial advisors

By 2026 the demand for financial planners will increase by 30% according to the US Bureau of Labor Statistics. Paving the way for financially savvy business owners

Depending upon your state and country requirements you may require a college degree and specific licensing and certification. Many financial planning customers are baby boomers are heading for retirement and need help with their finances.

This is a business idea which could easily be done from home meeting with your clients in their homes or offices issuing the need to pay high rent for office space.

 

Investment Alternative – P2P Lending

In these days of turbulent stock markets and low yield bonds, investors are seeking relatively safe investments with a good rate of return. Large swings in the stock market make investors appreciate the safety of bond investments and the likelihood that they will not lose money. Conversely, the low yields on bonds and debt investments for the past ten years has made them concerned about growing their portfolio’s value. These objectives and concerns have led many investors to look for alternatives that offer a good return with limited risk.

While there are many alternative investments, most are not available to the average investor. These include private equity, managed futures, real estate, hedge funds and derivatives contracts. While there are some alternatives to traditional stock and bond investments, like gold and commodities, these can be very risky in that the prices fluctuate significantly and you can lose most or even all of your investment. There is, however, one alternative investment that is available to most investors: P2P Lending Investing. This investment can be made for as little as 2,500 and the investor has complete control over their portfolio as well as how and when their money is invested.

 

P2P lending investing is a relatively new way for borrowers to get personal loans. Instead of going to a bank or traditional lender, borrowers can go to an online platform like Lending Club and apply for a loan of up to $40,000. The funding for these loans comes from individual investors who have set up an account and deposited funds with the online platform. The platform handles all aspects of the loan application, underwriting and approval process. They also take care of all administrative tasks such as process payments, answering borrower questions, and collecting late payments if that is necessary.

 

In terms of risk and reward, P2P lending looks like a good investment in many ways for certain investors. The biggest risk is that borrowers will default and not pay back their loans. Therefore, it is important for investors to spread their money around to as many loans as possible. The minimum investment in a loan is $25, so investors typically fund at least 100 loans. This provides the diversification that is essential to minimizing risk.

 

The other important aspect of any investment is the rate of return. Of course, investors want to know how much can you make peer to peer lending. P2P lending investing has a good track record in this area. Investors can expect to earn, on average, 5% to 7%. While rates of return vary for a lot of reasons, most investors earn a reasonable return. Some do extremely well with returns over 10%. Others make very little and a small number lose a little. However, losses are small and not nearly as damaging to a portfolio as a downturn in the stock market.

 

If you are looking for an alternative investment then P2P lending may be right for you. While it is not prudent to invest all of your money this way, it can be a strong part of your larger portfolio of assets and investments. Carefully weigh your options and decide if this is right for you.

How to Avoid Aggressive Driving

It is common knowledge that many car accidents could have been avoided if at least one of the parties involved weren’t an aggressive driver. Every car accident attorney will tell you that this is true. Here are some steps to help you become a less aggressive driver and reduce the chances of road crashes:

1. Remain calm and relaxed when driving. Even if you have had an unpleasant situation at work or at home prior to driving, don’t let it affect your performance on the road. remain in control at all times. If other drivers cause you to become angry due to their aggressive behavior think briefly about what makes you happy and keep having those happy thoughts for the rest of the journey.

2. Steer clear of aggressive drivers. If somebody has wronged you and there is no time or way to report them, get away from the situation. The longer you stay, the angrier you might become and the worse the situation might become.

3. If you do have time and opportunity, don’t hesitate to report other misbehaving drivers to the police. If necessary, write down their registration plate numbers and take pictures with your smartphone. Do it discreetly preferably without alerting the other party and causing their aggression.

4. Always act like you have good manners. Sometimes saying sorry might help ease the situation even if you are not the one to blame for anything. Don’t reciprocate any aggressive gestures at the other party but smile and be polite to others no matter how they treat you.

Your behavior on the road matters a lot. It can also help you to avoid all the unnecessary accidents. Remember about it every time you hit the road. Always give other drivers the benefit of the doubt. Don’t judge others, don’t become angry, but rather look for ways to escape your current situation. This is one way to ensure that you are a better driver who has fewer accidents on their record. If an accident happened to you despite being a good, polite and non-aggressive driver, remember that this is not the end of the world.

How to Get Started with Bitcoins

I am sure that at one point or another you have heard about bitcoins especially if you had a chance to come across a site to buy or sell bitcoin such as this Bitcoin exchange site. These days, bitcoins are getting more and more popular as more and more people use them and for many different reasons. In some way, buying and selling them online might be easier than opening a bank account in a traditional bank, which sometimes can cause a lot of problems as high-street banks tend to be more and more demanding when it comes to who they pick to be their customers. There are many requirements you need to fulfill, and to be honest it might be sometimes easier to start trading in bitcoins so there is nothing to be afraid about. So if you want to here is how you can get started.

You will find some websites on the Internet that will offer you some bitcoins for free for you to get used to the idea of trading bitcoins. This can be very convenient to you if you have absolutely no experience in the matter. This way you can check for yourself how you like them and see whether you want to sell or buy bitcoins whether it is for your business or for your personal reasons.

You will need something such as a bitcoin wallet to be able to store your bitcoins on your PC. Eventually you might even have more than one wallet and you might decide to buy or sell a couple of them, but in the beginning just one is all you need to get started. Make sure that you read on the topic so that you know what you are doing. There are a lot of misconceptions surrounding bitcoin, so it is always best to know for yourself what you really think about the system. Nobody will do it for you, so consider getting started today and read as much on the topic as possible. Checking out a bitcoin exchange site, like the one I mentioned, can help you get familiar with bitcoin as well as you will see how buying and selling works in practice.