Involved in a Car Accident? Here’s How a Personal Injury Attorney Can Save You Money

injury attorney

Each year in the US, there are an average six million car accidents. 

As a result of these auto accidents, three million American citizens are injured every year. And, as you’ll know if you’ve been in a car crash, injuries sustained in even minor accidents can keep you from working and paying your bills.

But, where many people make a wrong move after a car accident is by failing to get a personal injury lawyer. These personal injury law experts can often make all the difference to the success of your compensation claim.  

Here we explain why you should get an injury attorney and how they can save you money after a car accident. 

Expert Advice 

If you’re wondering ‘what is a personal injury lawyer?’, the simple answer is that they’re experts in personal injury law. As such, they’re trained to get you as much compensation as possible. 

And, since many specialize in auto accidents, they have years of experience handling claims like yours, which you can read more about here. 

From the offset, your personal injury attorney will be able to advise you what to say and to whom. Many insurance investigators try to catch car crash victims out, especially just after the accident. This is because there’s more chance that they haven’t yet hired an attorney. 

This might lead to you wrongly admitting fault due to a misunderstanding, or signing documents you shouldn’t. So, not only is it a good idea to hire an attorney to handle your car accident claim, it’s also important to do it as soon as possible. 

Increased Compensation Potential

One of the first things your attorney will tell you to do is to get checked out by a doctor. 

Your doctor will let you know the cost of your initial medical bills, as well as an estimate for future medical expenses. They’ll also tell you if your injuries will result in physical limitations, such as long-term back pain, which could impact your future earning potential. 

Based on this assessment, your lawyer will then be able to establish a fair compensation amount.

The average accident victim can usually work out how much they might need to cover their medical bills and loss of earnings. But, your lawyer will have a far better idea than you how much you can expect in total, which should also take your pain and suffering into account.  

Pain and suffering are often difficult for victims to put a price on. But, thanks to their years of experience, lawyers know how big an impact these factors have on your claim. And this is just one of the many ways personal injury lawyers can make a big difference to your compensation potential. 

Access to Investigators

After an accident, some people make the mistake of thinking that their word is enough. But, without evidence and support for your version of events, your compensation claim is unlikely to hold up.

Personal injury claims can get messy, especially if those at fault aren’t admitting it. Even if you were smart enough to get witness statements at the scene of the accident, attorneys know professional investigators who can dig deeper. 

This is often necessary when assets, liability and insurance issues come into question. And, having the resources to find out about these can make all the difference when it comes to building your claim. 

Experience and Efficiency

Personal injury attorneys are personal injury law experts. But, they’re also well-versed in all the paperwork that needs to be signed, sealed and delivered in order for your claim to proceed. 

You can always handle all this yourself. But, that means you’ll have to request medical records, review police charts and communicate with the insurance adjuster. 

And, as this is all new to you, there’s a risk of missing a deadline or failing to submit the correct information. This could delay or even invalidate your claim. So, just as you shouldn’t be ashamed about hiring help around the house, it makes sense to leave your compensation claim to the professionals. 

Higher Settlements

In most car accident compensation claims, people who hire attorneys receive a higher injury settlement. No, it’s not fair, but insurance companies tend to offer solo claimants much lower settlements and hope that they’ll go for them, which they often do.

Having representation from a personal injury attorney means that the adjusters will take your case more seriously. As such, they’ll offer you a more reasonable settlement figure. 

And, even if they don’t, your lawyer will be on hand to dispute the settlement amount. This can mean arbitration, mediation or trial, all of which your lawyer will take you through if these eventualities occur. 

No Win, No Fee

All this sounds great, but you’ll have to pay the lawyer’s fees, so how can they save you money? Well, most personal injury attorneys work on a contingency fee basis. This means that you don’t owe them anything if they don’t win the case for you. 

And, if they do win, the fees will come out of the settlement you receive, so you’ll never have to pay anything up front. And, even after paying your lawyer’s fees, because the settlement amount is higher, you’ll still walk away with more compensation money than you could have hoped for without the help of your attorney. 

Save Money with a Personal Injury Attorney

Unfortunately, in the world of personal injury claims, there aren’t many cases where the Davids of this world have taken on insurance company Goliaths and won. At least, not without the help of an injury attorney. 

As experts trained in the field of personal injury law, your personal injury lawyer will make the whole process a lot less stressful. And, you’ll save money by enlisting their help as you’ll get a bigger settlement. 

Of course, if you do have a car accident, good car insurance coverage can make all the difference. Check out these ways to save on your car insurance premiums without skimping on cover.  

Super Mompreneur: How To Run A Legitimate Business From Home In 2019

There was once a time when a busy mom couldn’t dream of raising her children and having a career. Now, though, you can do both (and do both well)!

Has your home-based side hustle been gaining popularity online? Are you considering turning it into a legitimate business?

If you’re interested in becoming a full-fledged entrepreneur and running your business from home, these tips can help.

Read on to learn everything you need to know about setting up your own business.

Set Up a Formal Business Structure

If you want to be a successful mom entrepreneur, it’s important to start by setting up a formal business structure.

The simplest business structure is known as a sole proprietorship.

This works for many entrepreneurs. But, it’s not ideal for a long-term business model since it puts your personal assets at risk.

In the event that you are sued, things like your savings account and personal property could be seized.

If you want to avoid this, consider forming a Limited Liability Company (LLC) or corporation.

This separates your personal assets from your business and protects those assets in the event that you face legal trouble.

Register Your Business with the State

If you decide to form an LLC or a corporation, your business will automatically be registered with the state. If you don’t take this approach, though, you’ll need to register your business’s name on your own.

Before you register your business, make sure you choose an appropriate business name.

You should choose a name that is legally available and isn’t too similar to other businesses in your area. If it’s too similar, there’s a chance that credit profiles and other information could get mixed up.

Do some research before making your final decision. Consider a trademark search as well. This will help you avoid legal challenges from businesses with similar names later on.

Obtain a Tax ID Number

As a business owner, you are required to pay income taxes.

You can technically use your social security number as your Tax ID. But, if your business is an LLC or corporation, the IRS will require you to obtain a separate Tax ID known as an Employer Identification Number.

It’s free to get this number from the IRS. You simply have to go online and request one.

Get Any Required Permits

Depending on your location and the type of business you’re running, you may need to obtain certain permits. Some common permits many business owners are required to obtain include:

  • A general business license
  • A sales tax license
  • Health department permits

You may also need to obtain additional professional licenses depending on the products or services you’re offering.

For example, if your business involves offering nutrition advice, you may need to obtain a nutrition credential before you can legally begin running your business.

Information on the Small Business Administration website can help you determine which kinds of permits you need for your specific business and location.

Create a Business Website

If you don’t already have a business website, now is the time to start creating one. A website gives you a central hub for all of the information related to your business. 

There are lots of services out there that help you set up a business website easily and without spending a ton of money.

Register Your Business Online

When you register your business online with search engines like Google, it will come up in online search results. This helps people find your business more easily. 

Remember to register social media accounts for your business, too. You can also register it with review sites like Yelp.

All of these steps help to boost your search engine ranking, establishes credibility, and makes it easier for people to find you online.

Open a Business Bank Account

Speaking of taxes, it can be very frustrating trying to separate your business and personal expenses when it comes time to file.

To avoid this headache, it’s important to create a business bank account. That way, it’s easy to keep track of your expenses and avoid any legal issues associated with using personal funds for business matters.

Keep in mind that, in order to open a business bank account, you will likely need a business Tax ID (EIN).

Establish Business Credit

In addition to opening a business bank account, you’ll also need to start building up credit for your business. Having a solid business credit history can help you get small business loans later on.

In order to start building your business credit, one of the best things you can do is to open accounts with companies that report payments to business credit bureaus like Experian or Dun & Bradstreet.

When you purchase items from these companies and pay off your debts within thirty days, you’ll start building a good business credit score.

Start doing this as soon as possible. The age of your account is one factor that credit bureaus take into account. So, the sooner you start building credit, the better.

Track Your Expenses Accurately

After you’ve set up your business bank account, in addition to building credit, you also need to make sure you’re tracking your expenses and income accurately.

Totally lost when it comes to business accounting? You may want to consider taking a class to learn more about basic bookkeeping and money management. 

If you don’t have time for this, hire someone to handle your money for you.

It may seem like an unnecessary expense at first. But, it’ll save you a lot of time and money later on, especially when it’s time to file your taxes.

Look for More Tips for Running a Legitimate Business

Are you ready to start running a legitimate business? If so, start implementing these tips today. You’ll have your business up and running in no time!

Want to learn more about being a successful entrepreneur? 

Check out the work from home section of our site today.

It’s full of all kinds of helpful tips and tricks that you can use to build your business and start increasing your income.

Mind the Gap: 5 Ways to Save Money on Medigap Coverage

More and more people are enrolling in Medigap programs, supplemental insurance for Medicare. In fact, enrollment has jumped by nearly 3 million enrollees in recent years. 

But finding the best Medigap coverage can be tricky. 

Let’s face it: picking policies and keeping up on insurance lingo isn’t always the easiest. And that can cost you.

Breathe easy. We’ve got you covered when it comes to healthcare finances. Here are five easy tips to save you money on your Medigap plan. 

Why Pick Medigap Coverage?

Medicare doesn’t always cover everything when it comes to medical coverage. And out of pocket costs can rack up fast. 

That’s where Medigap comes in. It’s meant to fill the gap, so you don’t have to. 

It usually covers things like deductibles, copays, and coinsurance.

These extra plans are offered by private groups. There are generally 10 Medigap plans, designated by a letter, A through N. But they aren’t all always available everywhere. 

And there are several ways to get the most out of Medigap coverage.

1. Don’t Rush on Picking Your Plan

You can save a good amount of money by considering what each plan offers before jumping into a plan.

The majority of people rush to Plan F. But it isn’t the best plan for everyone.

Plans a step or two down the line from Plan F have a lot of the same benefits. It might be better to grab a solid plan that cuts out added frills you won’t need.

2. Pay Attention to Where Your Plan Lives

Things like underwriting can be a headache. But different states have different rules when it comes to switching plans. 

You might be able to jump to a new plan and skip underwriting at certain times during the year. And if you’re mobile, some states might have lower premiums than other.

Getting in touch with Medigap coverage experts can make a big difference. They can answer questions about specific state rules and shed light on options.

3. Don’t Miss Your Free Medical Consultation

You can get an annual checkup through Medicare. Use it. 

Wellness exams can help you figure out what you need or don’t need to determine your best Medigap plans. They’re also a great chance to identify health problems and minimize future costs.

4. Forget What’s on the Label

It’s easy to be attracted to popular brands or insurance companies. But knowing what’s in the plan rather than what’s on the label can save big money.

Instead, focus on plans, what’s covered, and the cost that fits your specific needs.

5. Connect with an Expert

Picking a solid broker can clear up plans and keep you in the loop if policies change. This can help you avoid upped charges.

They can also help you find ways to lower costs or cut out options you don’t need.

Savings Shouldn’t Stop at Medigap

You can cut Medigap costs through these simple tips. But we’ve pinpointed more ways you can save cash through budgeting, investments, and cost-cutting.

Check out our blog here for ways to get the most out of your personal finances. 

Ready to Try Your Hand at Passive Income? Here’s How to Find Great Real Estate Deals

“Money for nothin’ and chicks for free.” 

We’re not too sure about free chicks, but most people are pretty excited about getting money without working for it. “Passive income” sounds like earning money for little to no effort. The reality, however, is that you put in the work up front. 

Real estate investing is a common way to build up assets that can pay you over time. Buying property has always been a solid investment.

When you talk to owners or realtors, remember that you aren’t the only one in your area looking for a good deal. You will have to have a few tricks to get in on those extra special properties before anyone else.

How will you find the real estate deals of your dreams?

Like this.

Drive Around

Knowing an area well will help you with your investment strategy. You also don’t want to drive three hours away if something happens with your property. 

When you drive around, look for houses that could use a little love. Look for the telltale signs.

  • Overgrown grass
  • Tarps on the roof
  • Old mail in the mailbox
  • Worsening condition over time

These signs indicate that the place could be empty or that the owner cannot afford to fix the place up. 

Write down the address, do some digging, and reach out to the owner. See if they want to sell.

Check Eviction Records

Most counties will have some public record of evictions that are being processed. Evictions are terrible for landlords. If you can be the answer to their property woes, you could get a great deal.

Once you find out where evictions are happening, you can find the landlord’s information. Then it is a matter of calling or sending a letter to show your interest.

Search Craigslist

Look at the rentals. Keep an eye out for landlords that seem like they could be your average Joe/Jane. They will typically have their phone number in the ad.

Your expressed interest to buy may not be right for them, but hold on. Landlords may have another property they are looking to sell. Being the first offer puts you in the winner’s position.

Collect a Lot of Real Estate Deals

You want to look at a lot of potential deals. Don’t jump at the first property that seems nice.

There are many types of properties to consider. Your next deal could be a single family home, small storefront, or multi-family real estate. You can be smart by creating a funnel for finding bargains.

Here’s what to do:

  1. Search properties with the three tips above (you can also get listings from wholesalers and real estate agents)
  2. Collect 50-100 properties (Not so passive anymore, is it?)
  3. Get down to 10-30 properties to go look at
  4. Make offers on 5-20 of those listings

Get Ready for Business

Once you show up, get ready to pitch your deal and negotiate. Be considerate and honest. Remember that you are dealing with people who also need to feed their families.

Knowing about the many areas involved in real estate will help you be confident in your dealings. If you are not that savvy, bring along someone who is. 

It’s Getting Good for Buyers

After coming through the housing bubble of 2008, the market has become increasingly competitive. More buyers are confident enough to make an offer.

Now, things are looking good for buyers in the future. Signs suggest we’re entering a buyer’s market. Real estate deals will be easier to find. Let’s hope you find one of these gems in your area. 

Want to learn more to help you in your real estate investing? We’ve got more for you here!

Save Money on Funeral Expenses with These Excellent Cost-Reducing Tips

funeralexpenses

When your loved one passes away, the funeral expenses generally start with a two thousand dollar service fee and go up from there to cost upwards of eight thousand dollars on average.

For that price tag, you get the removal and embalming of the remains, preparation, and dressing of the body, use of the facilities for a ceremony, use of a hearse or service van, printed memorial materials, a casket, and a funeral director to lead the proceedings.

While each of these items is considered part of the standard funeral package, not everyone can afford to spend that much. But, there are ways to cut costs and save. Read on to learn more.

1. Shop Around Online for Your Biggest Funeral Expenses

Companies make it easy to shop online and compare their prices for services like providing flowers, making printed materials for funerals, and more. Violet Florists, in particular, has a very easy-to-navigate website, https://www.violets-florist.com/florist-upper-east-side.

While funerals tend to happen quickly if you have the time to shop online you can reduce your stress and find multiple places to save money on your expenses. Just make sure you factor in the extra time it might take to have things shipped to you.

2. Don’t Embalm

While embalming a body has become the standard in the United States, around the world it isn’t common practice.

Many salespeople for funeral products will tell you that you need to embalm the body because otherwise there will be an odor and the decay process will begin. But in actuality, most modern funerals take place before these potential issues would become a real problem.

By choosing not to embalm a body, it won’t be preserved for the next hundred years, instead, it will decompose naturally and in a manner that is best for the environment.

3. Avoid Costly Upgrades

While things like gaskets on a casket or shiny finishes may sound nice, they really aren’t necessary to make the casket functional. Make sure when you are selecting items for the funeral, you pay for the costs you can’t do without first, like preparing the body.

Then you can think about how much you want to spend on preventing the elements from getting into the casket and making sure that it’s roomy. If you want to make sure you have a top of the line casket for your own funeral, consider setting up a living trust.

4. Consider Cremation

Cremation is another way to potentially save money on a funeral since it gives you the option of cremating the body before the service saving you the cost of dressing and making up the body.

Cremation also can save you money in the long run since you won’t need as large of a burial plot for the body. You can opt to spread the ashes in nature, store them in a decorative urn, or have them places in a large monumental memorial.

More Articles for Savings

Saving on funeral expenses is all about streamlining what is really necessary for the process and putting together a simple service.

For more savings tips for frugal living, check out our blog today.

Don’t Get Wrecked By Insurance Premiums: How to Save On Car Insurance

An average of 6 million car accidents occurs every year in the US. It’s no surprise with 253 million cars and trucks on the roads.

Making sure you are properly insured is a necessity. Without insurance, you may find yourself paying out big bucks after an accident. If an accident was proved to be your fault, you could not only have to pay for damages to the car(s) involved, but you may also have to pay for other damages like pain and suffering.

While you want to be properly protected, you also want to make sure that you aren’t overpaying on your insurance. There are easy things you can do to keep your premiums down. Continue reading this article to learn how to save on car insurance.

How to Save on Car Insurance and Maintain Peace of Mind

As you are looking for more info on car insurance, you may be surprised at the high premiums. Depending on the type of vehicle you have, you might be staring at premiums that rival your mortgage. Here are some things you should know to help you with this challenge.

1. Get More Than One Quote

If you take the first quote you come across, you may be paying hundreds of dollars more than you need to pay. While getting multiple quotes might seem like a no-brainer to you, it can be easy to let this part slip if the initial coverage you review seems like an alright deal.

Insurance rates can vary greatly, so getting a quote from a few different companies can potentially help you save thousands. If you don’t want to do the comparisons yourself, some companies will compare rates for you.

2. What Are You Driving?

While you can’t do anything about changing your age to get lower car insurance, you can look at the type of car you are driving. If you’re driving a Prius, you’re going to have a very different premium than you would if you were to drive a late model Mercedes Benz.

If the insurance company is afraid they will have to pay big chunks out of pocket, this will increase the premium you are paying each month. Before purchasing a vehicle, you should call and get an estimate on how much the insurance will be. You can also talk with friends that have different vehicles to see what kind of rates they are paying.

3. Consider Your Deductible

When you are budgeting for the month and looking at your high premium, you should consider raising your deductible. Having a higher deductible will lower your car insurance rates immensely. If you have no deductible, you will pay the highest car insurance rates.

4. Group Your Policies

Bundling your policies will almost always give you a discount. Speak with your specific provider to see how much those discounts are so you can stop paying a higher price simply because you have policies with multiple companies.

If you have life insurance, fire insurance, flood insurance, homeowners insurance or any other insurance, you are likely to get a nice bundle discount if you go with one provider.

5. Increase Your Credit Score

Your credit score can play into how much your insurance premiums are. Insurance companies look at how responsible you are. If your credit score is low, it can have negative effects on their trust in your capabilities.

6. Check for Any Discounts

Your insurance company may offer discounts on your premiums. Ask your insurance company for a list of things they give discounts for. Some of the common discounts you will find are:

  • Safe driver
  • Military
  • AARP
  • Accident Free

A couple of questions to your insurance company and you could save on your premiums. There are some strange discounts some carriers offer, so don’t assume there are no discounts for you: make sure you ask.

7. Pay By the Mile

Some states allow you to pay by the mile for car insurance. Pay by the mile means you’ll save money if you drive less, and you can have control over how much your insurance costs by watching how much you drive. If you drive a lot of miles because of a commute to work or you enjoy traveling a lot, the pay by mile option may not be the best option for you.

8. Reduce Your Coverage

The more coverage you have, the higher your insurance premiums will be each month. There are a few different parts that you can focus on when you want to reduce your coverage. The best way to see where you are paying the most is to look at your insurance statement.

If you are confused about your insurance statement, speak to your insurance agent and ask them to explain your coverage. You may feel you need more coverage in one area and less in another. Understanding your coverage and what it means is important before you start decreasing it.

If your coverage is higher than the value of your car, you are paying too much. You can’t be reimbursed more than the cost of your car with comprehensive or collision coverage. Lack of understanding about your coverage and the value of your car is a costly mistake.

9. Drive Safely

When you don’t have any accidents or tickets on your record, your car insurance rates are at their best. When you think about speeding off at the red light, just remember you could be putting your low car insurance premiums at risk.

If you have any challenges on your driver’s history, it can help to take driver’s education. Showing you are improving your driving skills and keeping your driving record clean going forward will help with your premiums.

Learn How to Save More Money

If you’re like us and you don’t want to pay more money than you have to, there are more things you can learn to cut down on your spending.

You’ve learned how to save on car insurance. Now, check out one of our popular articles on tax refund tips, so when tax time rolls around, you will have a happier experience.

Hire a Helper: Pros and Cons of In-Home Care Options for Aging Parents

Many adult children have a hard time making decisions regarding how to care for their old folks.

As adults age, they tend to become dependent on others for assistance with some daily living routines like getting out of bed, bathing, grooming, meal preparation, shopping for grocery, and many more. In some cases, they just need companionship.

This reliance on others may be due to aging-associated diseases and conditions, living with some form of disability, or recovery from surgery.

In-home care services are designed with the needs of elderly parents and their families in mind. It is a popular choice because it involves providing elderly parents with the care they need from the comfort of their own homes or their families’ home.

If you’d like to hire a helper to care for your aging parent, you may want to learn about the home-based care options available so you can weigh your options.

Here’s a look at the pros and cons of the various in-home care options designed for aging parents.

1. Hiring a Part-Time Helper

This in-home care option is ideal for elderly parents that don’t need round-the-clock care, and only require a little assistance with basic house chores.

It involves having an aide come in on certain hours of the day or days of the week to do basic housekeeping duties like cleaning the house, doing the laundry, cooking, shopping for grocery, and so on.

Part-time helpers don’t provide medical care.

Pros of Hiring a Part-Time Helper

  • Aides report to work fresh and may have the energy to cheer up your parent in a way that you might be too tired to do.
  • Helpers maintain a separate residence and only come in on agreed hours or days of the week. This is vital for maintaining your parent’s privacy, especially if they don’t fancy having “strangers” in their homes.
  • Helpers can focus on helping their clients with important household chores.
  • Helpers are paid an hourly rate and can be less expensive than hiring a live-in helper.

Cons Hiring a Part-Time Helper

  • Parents can only get help when the helper is around.
  • There’s limited time for senior parents to get well-acquainted with their helpers. Usually, helpers leave the client’s home immediately after completing their work.

2. Hiring a Full-Time Helper

This type of helper is also known as a live-in helper because they move into the care receiver’s home so they can provide the assistance needed at any time of the day or night.

The helper becomes part of the care receiver’s household, so it’s vital to choose someone who can get along well with your parent.

Pros of Hiring Full-Time Helper

  • They’ll offer dedicated round-the-clock care to your senior parent. The aging parent will get the help they need during all hours of the day or night. This can be a source of peace of mind for you.
  • The client and their family will have ample time to get to know the helper better, as they’ll be living together.
  • If the senior parent’s family members live far away and can’t visit often, a full-time helper can serve as a companion and confidant.

Cons of Hiring Full-Time Helper

  • Finding a helper who is the right fit for the job can be a challenge. If your parent is exhibiting symptoms of Alzheimer’s disease, for example, finding someone with experience in handling patients with Alzheimer’s disease can be a big problem.
  • Having a live-in helper can lead to loss of privacy.
  • The costs of hiring a live-in helper can be quite high, as helpers are paid a daily (not hourly) rate.

3. Hiring a Visiting Nurse

Home care agencies also hire trained and certified nurses to help take care of the needs of families with ailing seniors.

Unlike part-time and live-in caregivers who help with daily household chores, these nurses focus on providing health care services, such as medication management, helping the patient get out of bed, taking the care receiver to see a physician, and so on.

Pros of Hiring a Visiting Nurse

  • They only come in during certain hours of the day, so they don’t need to reside in the client’s home.
  • They provide one-on-one medical care to your parent. This may improve the overall quality of care provided.
  • They provide medical care, which other types of helpers aren’t qualified to provide.
  • They provide the vital oversight needed to keep tabs on the patient’s condition without requiring them to leave the comfort of their homes.
  • Like part-time helpers, visiting nurses are paid an hourly rate, so you only need to pay for the time they’ve spent attending to your parent.

Cons of Hiring a Visiting Nurse

  • They may not be around to help in emergency situations.
  • They may not be able to carry all the equipment available in nursing facilities when visiting your parent’s home.
  • The agency may need to send in a different nurse if the one who normally visits your parent is unable to report to work. Your parent might have a hard time adjusting to the new nurse’s way of doing things.

The biggest challenge for senior parents and their families is finding a helper that matches the needs of the aging parent. Check out the article posted by this center to gain valuable insight into how you can find the right fit for your parent.

Hire a Helper for Your Aging Parent Today

If your senior parent needs regular help with medical care needs, home health care services and skilled nursing homes, rather than in-home care services, may be the best choice for both you and them.

But if they only need assistance with daily living activities within or around the home, then it’s best to hire a helper from an in-home care service provider.

If you’re still unsure about which type of home-based care aide is best for you and your elderly parent, feel free to contact me for more information. I’ll be glad to help point you in the right direction.