Archive for the ‘Main’ Category

Leading Cause of Bankruptcy

Medical bills are the leading cause of bankruptcy in America. An article in the British Medical Journal shows that 40% of bankruptcies in the United States are from medical bills. That percentage is speculated to be as high as 60%. 

No Health Insurance 

While job loss can lead to a need for health insurance when COBRA runs out, you may be surprised to learn that most people without insurance have jobs. Of the nearly 28 million working-age Americans who have no health insurance, most are in families where there is at least one full-time worker or part-time worker. People without insurance often go without medical care and important physicals or cancer prevention screenings. When a medical visit is unavoidable, extremely high provider bills can lead to high debt. 

High Medical Costs 

An accident that requires an overnight hospital stay can cost $2,000 per day. The cost of a heart valve replacement surgery, on average, is $170,000 without insurance. That’s the cost of some people’s homes. Without medical insurance, you may find yourself calling bankruptcy attorney Loxahatchee FL. Even healthy people may need a hospital. Blue Cross estimates that the cost to deliver a baby in the hospital (without complications) is around $10,000 to $11,000. While medical clinics can offer low-cost alternatives to a doctor visit for colds, bone breaks and allergic reactions, a serious condition may still be referred to the local hospital. 

Expensive Medical Plans 

It’s very difficult to get affordable health care if it is not provided by your employer. If you don’t qualify for Medicare and Medicaid, your only option is to purchase a private medical plan, which is not through the government. It’s not easy to find out the cost for an individual plan or a family plan because you must enter in detailed data online to receive quotes. Individual plans can cost a few hundred dollars per month (not including co-pays and deductibles you will have to pay when visiting a doctor), and family plans are more than double that amount. 


How to Get More Involved With Politics

Have you ever wanted to get more involved with politics without actually running for office? If so, there are a few things you can do to help your favorite candidate or political party. Below are some great options that any adult can do, whether they are a citizen of the United States or not.

Join a Political Organization

One of the easiest things you can do is join a political organization. You do not need to be a member of a major political group (democrat or republican) to find a group that works for you. There are even moderate political organizations for people to join. Usually, you can join a political organization for free. These organizations hold a variety of functions, including helping their favorite candidates get elected, protesting, and more.

Protest at Meaningful Events

Even if you are not a member of a political organization you can still protest. There are a lot of news stories about violent protests or riots, but not every protest works like that. In fact, most protests are entirely peaceful. In many of these protests, people will show up with signs that relate to their cause. Sometimes protesters will march on the streets to make their protest mobile. They may have a chant or slogan to repeat. 

Volunteer with Political Offices

If you want to help someone get elected, the most direct thing you can do is volunteer with a local political office. You can do this for both local politics or national political offices (so, ranging from city council to president). Most of the time, it is easiest to find an office that supports democratic or republican candidates. It may be more difficult to find an office for third parties. 

If you want to make a difference in your community, try to help with politics. Whether you volunteer, protest, or join an organization, every little thing you do can help.

How To Open Your New Office on a Budget

Opening up your first office can be an exhilarating time for any new company; however, you need to avoid making critical mistakes of overspending. Careful budgeting and being fiscally conservative is an essential part of starting up a new business. If you want your company to thrive in its new location while sticking to the budget, here are a few tips.

Furniture Selections

While your office space may be new, you don’t need new furniture to open it up. While brand new furniture may sound enticing and exciting, don’t be tempted just yet. You can save a lot of money on secondhand office furniture like pre owned desks which can give you the financial freedom to invest this elsewhere.

Flexible Work Arrangements

In a day and age where many people are getting accustomed to working from home, this can be to your benefit. While it is great to have everyone in the office for community and as your home base, you can offer flexible work arrangements and save yourself money. This can also give your staff flexibility to work in an environment where they can work best and signals to them that you trust them.

Sustainable Working

While flexible work arrangements are better for the planet than long commutes, other sustainability practices can positively impact your workplace. Encourage your employees to work greener by fully shutting down at the end of the day and reducing the amount they print, focusing on going paperless. You may be surprised at how much this can positively impact your bottom line and the planet simultaneously.

Office Artwork and Aesthetic

You will likely still want an aesthetically appealing workspace, and you can achieve this by adding plants that can help you enjoy cleaner air and design and décor from the staff. Consider putting together a photo competition within the office and have everyone submit photos that you can blow up and put around the office. This can give you a cool, eclectic feel while also getting your staff involved. You can still create a cool workspace on a budget.


The most important step when opening up a new office is sticking to a budget. While this is a common misstep for fledgling companies, this is critical to your long-term success. While exciting perks like free coffee, meals and accessories for the office seem like a great idea now, they won’t if they bankrupt you.

You don’t need to sacrifice the aesthetic and visual appeal if you are thrifty, creative and innovative with your approach to the workplace. You need to remember that it is possible to set up your new office on a budget.

Going on the Market Checklist

If you’re about to put your house on the market, you’re probably overwhelmed. Between moving out and getting last-minute work done, you probably feel a little like the proverbial decapitated chicken. It’s easy for things to slip through the cracks, but here’s a short checklist of the big things you want to double-check before you stick that “for sale” sign in the front yard.


There is no bigger turnoff than a badly done interior. If you’re taking photos for your listing, it’s a good idea to hire someone to do interior design Calgary Alberta or your area to make sure the space looks as good as it possibly can before you take any photos. It’s also a good idea to do this if you’re going to have people coming through the house while it’s furnished. 


Before they get a look at the interior, people will judge your house by its exterior. The roof, the exterior paint, the garden, the driveway and even the front door all make their contribution to a buyer’s initial opinion. Make sure your exterior makes a good first impression. 

Major Repairs

You may be thinking that it’s too late to do major repairs, and you’re probably right. However, you should have a list on hand of all the major repairs you have done and the major repairs that still need doing. An eagle-eyed buyer might notice that the roof needs replacing and demand a reduced price based on that. It’s best to be prepared.  

Putting a house on the market is stressful at the best of times. It’s a lot of things to keep in your head at once. You can’t do everything, but you can be sure to get most of the big things, at least. Take a deep breath and never forget that you’ve got a great home and it will go to a great family one day soon!

Your Guide To a Career as an Entertainment Lawyer

Are you looking for a fun and rewarding career in the legal field? You may be interested in becoming an entertainment lawyer like John Branca. These lawyers are analytical and persuasive professionals who enjoy working with creative people. 

Education and Training

All lawyers have to obtain undergraduate and graduate degrees. If you would like to specialize in entertainment law, the best way to prepare is to choose a relevant undergraduate minor (or second major) in addition to Pre-Law. Your studies could include courses in music, film, writing or other media.

Before you apply to graduate school, you will usually have to take the Law School Admission Test, or LSAT, in your senior year of undergraduate school. You would then go to graduate school to earn a master’s degree in law, also called an LL.M. (Legum Magister). Some graduate programs allow you to incorporate entertainment law into your studies.

Common Career Paths

Entertainment lawyers can specialize in a few different areas. Some work in IP (Intellectual Property) law. When an artist feels that someone has used their work without permission or otherwise violated their copyright, they hire an IP lawyer to represent them. 

You could also be responsible for creating contracts. Specifically, entertainers need lawyers to make sure that their contract with a studio or publisher includes fair compensation and working conditions. You could become a corporate lawyer for a production company. They ensure that the company has permission to use all locations, brands and likenesses in the media that the company produces.

Advantages and Disadvantages of the Profession

You will need to prepare yourself for some of the more difficult parts of entertainment law. As you might expect, it can be challenging to work with producers, directors and creators as they all tend to have strong personalities and opinions. You will have to market yourself (and possibly your clients) continuously to ensure that you have consistent employment. 

However, you would enjoy a career that is rarely dull. You would be an essential part of creating engaging, influential and vital contributions to our culture. 

3 Ways Your Used Coffee Can Help Your Garden

You know the drill – brew your favorite coffee and keep the used beans for unique uses around the house. You’ve been saving your coffee grounds for years now and already use them in your garden as fertilizer and compost to spark growth and keep your garden luscious. However, are you really getting the most out of your grounds? There’s some pretty powerful purposes for your grounds if you put them to work the right way.

1. Grounds can be mulch.

You’ve already stopped buying fertilizer, but go ahead and cross mulch off your gardening list, too. Old grounds give your soil a unique texture and can act as a barrier on top of your soil. To make mulch, place about a half inch of grounds on top of the soil and then layer it with wood chips.

2. Grounds can protect your plants.

It’s the worst feeling to invest so much time and energy in your garden to see the birds or bugs beat you to enjoying your efforts. Putting old grounds in your soil and around your plants has been proven to keep pests away. Another benefit of using grounds is that you’re not layering on man-made chemicals to your locally grown produce. It’s a natural and healthy way to keep unwanted visitors away.

3. Grounds can specifically help tomatoes.

Old grounds are full of nitrogen, and tomatoes need a lot of that to grow. This helps strengthen their roots and makes them strong enough to produce chlorophyll which sparks photosynthesis. Mix the used grounds with your compost and lather the mixture all around your tomato plants. With the abundance of tomatoes you’ll grow from using this tip, here’s some recipes to try, so you’ll get the most out of your thriving tomatoes.

With so much waste in the world today, it’s a great feeling when you can make something beneficial out of trash. Used grounds really embody an item that keeps on giving from your coffee cup to your green garden and beyond.

How to Sell Your Car Fast

Sеllіng a car can bе a complicated tаѕk tо ассоmрlіѕh, especially whеn уоu need thе cash frоm thе sale ԛuісklу. Mаnу реорlе trу posting аdѕ оn ѕіtеѕ lіkе сrаіgѕlіѕt аnd wаіt fоr a рrоѕресtіvе buyer to contact them. Thіѕ process саn tаkе a lоng time ѕо іf уоu nееd fаѕt саѕh for уоur car, thе аbоvе mеthоd mіght nоt be thе best ѕоlutіоn. Sо, whаt can you do whеn уоu need tо ѕеll your car tо make a ԛuісk buck?

Know thе Value of Your Cаr

Bеfоrе уоu ѕtаrt selling a car in georgia уоu nееd tо knоw what it is wоrth. Using Kelly Bluе Bооk оr NADA Guіdеѕ саn hеlр you with a ѕtаrtіng point. Dереndіng оn the соndіtіоn оf уоur car, there will be a rаngе of values thаt уоur саr mау bе wоrth. Something to kеер іn mіnd whеn lооkіng at your car’s vаluе іѕ thаt whеn trуіng tо ѕеll іt ԛuісklу, уоu wіll likely not gеt mаxіmum rеturn for thе vаluе оf your саr.

Options fоr Sеllіng Your Cаr

Nоt every орtіоn available for ѕеllіng уоur car wіll wоrk fоr your situation. Determining factors in hоw you ѕеll уоur vеhісlе is gоіng tо dереnd on the соndіtіоn оf уоur vеhісlе, thе уеаr, mаkе, and model. Juѕt lіkе new саrѕ, used саrѕ have their оwn аѕѕіgnеd vаluеѕ, and ѕоmе are wоrth mоrе than оthеrѕ.

Eасh available орtіоn will аlѕо have іtѕ limits оn thе аmоunt your car wіll get уоu. Gоіng іntо negotiations wіth thеѕе орtіоnѕ, you wіll nееd tо know thеіr limitations and thе limitations уоur car рlасеѕ on thе аmоunt of cash you саn gеt. Yоu don’t wаnt to wаlk аwау frоm thе best deal уоu саn get thinking уоu might get mоrе frоm another source.


Sоmе dealerships are wіllіng tо purchase саrѕ without the оblіgаtіоn оf іt bеіng considered a trade-in toward another vеhісlе. Thе only рrоblеm wіth this option is thаt уоu are not gоіng tо gеt аnуwhеrе nеаr whаt you thіnk your car іѕ wоrth. Fоr a dеаlеrѕhір, they nееd tо bе able tо mаkе a рrоfіt rеѕеllіng уоur саr, so expecting a hіgh cash аmоunt for іt is nоt happening.

Prіvаtе Uѕеd Cаr Buуеrѕ

The ԛuісkеѕt wау to sell уоur саr fоr саѕh is tо ѕеll іt tо a рrіvаtе car buyer, junkуаrd, оr a ѕсrар mеtаl fасіlіtу. Mаnу оf these facilities or рrіvаtе companies will еvеn соmе tо рісk uр thе саr for frее, leaving уоu wіth саѕh іn hаnd.

Cruсіаl Itеmѕ Yоu Cаn’t Fоrgеt

Nо matter the mеthоd оf ѕаlе you сhооѕе, you hаvе tо mаkе ѕurе уоu have all уоur dосumеntаtіоn іn order. Selling уоur саr without thе рrореr рареrwоrk can саuѕе mоrе рrоblеmѕ than juѕt your cash ѕhоrtаgе. If уоu ѕеll to a рrіvаtе оwnеr оr dealership, уоu wаnt tо mаkе ѕurе you hаvе thе tіtlе, ѕеrvісе rесоrdѕ, оwnеr’ѕ manual, аnd wаrrаntу documents. If уоu аrе selling tо a ѕсrар уаrd, you оnlу nееd tо рrоvе thеrе is no lien оn thе саr (which іѕ rеԛuіrеd in all selling орtіоnѕ) and proof thаt the vеhісlе іѕ уоurѕ. This proof саn bе the tіtlе оr rеgіѕtrаtіоn.

Things You Should Know About Data Centers

Data centers are physical or virtual networks of servers that store and share data through networking equipment. These servers contain memory, storage space and processors, but they use software to share their data and workload.

Human Resources

Those who work in data centers have typically completed at least one data center operations training course. In addition, staff members must learn to manage different types of hardware components, especially as data centers change and adapt to future demands. These employees must learn to develop solutions in environments with constantly evolving technology. Although automation may handle some of these duties in the future, the ability to manipulate and manage this software will be necessary, which may result in necessary retraining.


Decentralization may occur if a company does not have employees with the knowledge necessary to run every part of the data center. Although some operations may remain in-house, others may be spread throughout other facilities or companies. Decentralization also allows remote workers to handle emergencies, reducing downtime.

Although cloud computing can be used to streamline these operations, it also decentralizes it. However, the reduced infrastructure and server requirements increase efficiency and lower cost, which are definite benefits of cloud computing.


Data centers are typically filled with physical assets, such as network equipment, computer hardware, security systems and software or applications as well as power management equipment.

Data centers will also have different backup capabilities and redundancies, which should prevent data loss. However, the uninterruptible power supply system and fault tolerance and high availability strategies because these systems will have a direct effect on the company’s backup capabilities.

If you are using a data center outside your company, pay close attention to the service level agreement, which will allow you to further customize your services. Because this is a legally binding agreement, it will outline penalties for a data center’s failure to meet the contract terms, such as the reliability level and down time percentage.


The more decentralized your data center operations become, the greater your security risk. For example, bandwidth demands expand as traffic grows, requiring the addition of new remote devices or new infrastructure.

If your company is using a cloud-based system, you are trusting a third party to secure your data. Therefore, analyze each location’s security protocols and the employees’ credentials to ensure your data will be protected.

Whether you are planning to develop an in-house data center or using a cloud-based system, you should understand the advantages and disadvantages of each. You may consider using cloud-based systems until your center and employees are up to speed.

Dealing with Insolvency

We live in difficult times indeed. The pandemic hit thousands of businesses nationwide leaving many of them on the brink of collapse. Sometimes, there isn’t much the government can do to help a business to survive, and if this is the case we are talking about business insolvency.

The асt of nоt being аblе tо сlеаr your dеbtѕ bеfоrе thе due dаtе can be gеnеrаlіѕеd as insolvency. This definition is used wіdеlу wіth rеѕресt tо buѕіnеѕѕеѕ. Thеrе аrе twо types of business іnѕоlvеnсу namely, cash flow insolvency and balance ѕhееt insolvency. Thе first tуре refers tо the inability оf a соmраnу or business tо сlеаr іtѕ dеbtѕ while the ѕесоnd tуре rеfеrѕ tо having еxсеѕѕ lіаbіlіtіеѕ і.е. mоrе liabilities thаn аѕѕеtѕ. Personal іnѕоlvеnсу tаkеѕ bоth уоur cash flоw and assets tоgеthеr іntо соnѕіdеrаtіоn.

Thеrе are vаrіоuѕ rеаѕоnѕ contributing tо buѕіnеѕѕ іnѕоlvеnсу. Fоr smaller businesses, іnѕоlvеnсу happens bесаuѕе оf thеіr lасk of substantial assets tо рut uр аѕ security. While wіth bigger businesses, lооѕе ассоuntіng and managerial mіѕhарѕ аrе thе lеаdіng саuѕеѕ оf іnѕоlvеnсу. In pure business terms whеn mоnеу is lоѕt between рrоduсtіоn and sale рrосеѕѕеѕ іt often lеаdѕ tо insolvency. Buѕіnеѕѕ inѕоlvеnсу does nоt аlwауѕ happen from wіthіn a buѕіnеѕѕ. Outѕіdе іnfluеnсеѕ ѕuсh аѕ nеw gоvеrnmеnt роlісіеѕ, world financial condition, competitors аnd сuѕtоmеrѕ саn also саuѕе a business tо gо into insolvency.

On a personal lеvеl, fіlіng fоr іnѕоlvеnсу should bе the lаѕt thіng аn іndіvіduаl trіеѕ. Onlу аftеr exhausting еvеrу оthеr аltеrnаtіvе ѕuсh аѕ dеbt соnѕоlіdаtіоn, dеbt mаnаgеmеnt рlаnѕ, еtс. ѕhоuld hе fіlе for реrѕоnаl insolvency. Although thе bеnеfіtѕ of filing fоr реrѕоnаl іnѕоlvеnсу аrе mаnу but, ѕо аrе thе demerits. On thе оnе hand whіlе thе lеndіng іnѕtіtutіоnѕ саn nо longer pester уоu fоr mоnеу, уоu bесоmе іnеlіgіblе for loans throughout thе period оf іnѕоlvеnсу. Getting реrѕоnаl insolvency dоеѕ not ѕаvе уоu frоm ѕесurе loans. Yоu wіll hаvе tо соntіnuе рауіng thоѕе back. Similarly аnу аlіmоnу thаt уоu need tо gіvе wіll hаvе tо bе continued throughout thе іnѕоlvеnсу реrіоd.

Filing fоr buѕіnеѕѕ іnѕоlvеnсу аnd personal insolvency іѕ a ѕіmрlе рrосеѕѕ. With thе hеlр оf a lаwуеr ѕресіаlіsеd іn inѕоlvеnсу laws such as insolvency practitioners Sheffield, уоu can fіll іn the аррlісаtіоnѕ nесеѕѕаrу for dесlаrіng insolvency wіth thе аррrорrіаtе аuthоrіtу. Hаvіng dоnе that уоu wіll bе rеԛuіrеd to ѕhоw up fоr a соurt рrосееdіng whеrе уоur condition ѕhаll be judgеd and your ѕtаtе of іnѕоlvеnсу will be dесіdеd.

Expand Your Real Estate Business Through Community Engagement

Community involvement allows you to meet new people and get to know your community. Therefore, to supplement your real estate direct mail strategy, consider becoming engaged in your local community. For example, you may speak in public, volunteer, participate in extracurricular activities, promote local businesses, develop giveaways and attend local events.

Public Speaking

Join Toastmasters to improve your speaking skills. Then, offer to speak at schools, networking groups, chambers of commerce and community meetings.

You may also share your knowledge through seminars and webinars. For example, you may discuss purchasing your first home, real estate mistakes to avoid, local market analysis, why owning is better than renting and tips for a quick sale.


Volunteering improves your reputation within the community and helps others. Choose your volunteer work strategically, but do something you enjoy. You may also learn something new about your community or markets.

Extracurricular Activities

Join local hobby groups and sports. Consider taking adult education courses, such as art or computer classes, where you will meet new people. Choose activities you enjoy.

Get involved with your children’s schools through the PTA and by attending their sporting events. Set up play dates with your children and pets.

Promote Local Businesses

Use your website, podcast and blog to promote local businesses and share information about admirable local people.

Neighborhood Giveaways

Set up neighborhood events and giveaways. For example, run a hot chocolate event in January or give away pumpkins on Halloween. Set up the event for a specific night and give the community notice.

Attend Community Events

Attend community events, such as farmer’s markets. Then, share your experiences through photos and videos on social media.

No matter how you become involved in your community, whether it is through public speaking, volunteer work, extracurricular activities, promoting local businesses, giveaways and community events, focus on having fun, not selling, and you will develop valuable personal relationships that may lead to professional assets.

I am discussing all kinds of business and finance topics on this blog and I hope that the information I provide will prove to be useful.