How to Deal with Grief after Losing a Loved One

Losing a loved one happens to many of us, but it becomes even more difficult if you lost somebody as the result of wrongful death. It is natural to feel anger after something like this happens, but unfortunately there is nothing you can do to bring your loved one back to life. You just need to learn how to deal with your grief. Here are some tips to make it happen:

1. Don’t isolate yourself after losing somebody important in your life. It might be natural for you to stay in your house and avoid people when you grieve, but in reality you will be so much better off if you spend time among family and friends who can offer you their helpful hand. Don’t be ashamed that you grieve. Grief is a natural things after losing something important and it is a matter of time before you get back to normal again.

2. Contact an attorney who can help you such as a Miami wrongful death lawyer. You can obtain a lot of useful advice from a qualified lawyer who will be able to help you to get proper compensation for your suffering. While his job is to give you advice in some cases lawyers can also turn out to be like your friends, people you can talk to and who can help you to feel better. It definitely makes sense to find a lawyer you can trust and who is friendly enough to calm your anxiety levels you might be experiencing right now.

3. If possible, get some time off from work. Work related stress can only make things worse and can make you feel exhausted even if normally you did not feel that way. Make sure that you make all the necessary arrangements so that you can come back to work when ready.

4. Find something to distract yourself with such as a new hobby. Some people turn to exercise after losing a loved one because it allows them to feel better.

3 Things You Didn’t Know About Being a Community Association Manager

When faced with a changing job market, you may want to take a look at other options for advancing your career. You have always been keen on staying up to date on the latest trends in the job market, and now that you’re faced with making a leap to another field or into entrepreneurship, it’s a good idea to take a closer look at something that has always interested you: association manager. What does a community association manager do, and is it a good career for someone looking to strike out alone? Read these three fast facts about the position to see if it is a contender for your start-up.

1. Versatile Employment Opportunities

One of the coolest things about being a community association manager is your ability to work for many different types of groups. Almost any association that deals with residential management is a potential employer. This includes:

  • Condominium associations
  • Homeowners associations
  • Master planned communities
  • Cooperatives

If you have a community association management license, you have quite a few opportunities to find work, including opening your own business that deals exclusively with resident management.

2. Challenging and Rewarding Engagements

Dealing with residents in their communities is a challenging yet rewarding experience. A community association manager serves the residents and acts as a liaison between them and the governing boards (HOA, POA, etc.). This puts a manager in a unique position of maintaining cooperation and peace through some difficult times. Therefore, to be an effective association manager, you have to be able to handle sticky situations.

3. Financial Know-How a Must

At the heart of it, a community association manager has to be able to perform specific tasks that ensure the community is kept up. Some of the most common functions a manager performs include:

  • Maintenance of the common areas (parks, ponds, pools, etc.)
  • Collection of assessments and dues regularly
  • Preparation of financial statements and budgets
  • Complaint resolution
  • Negotiation of services with vendors, developers, etc.

As a community association manager, you are going to have to be financially savvy, highly organized and able to keep up with multiple projects.

If you are thinking of setting up your own business, a community association manager would be an excellent way to cut ties with your 9:00 to 5:00. Performing these functions inside an office is not necessarily required. What is needed is a driven, organized and diligent individual who can handle finances and work towards resolving conflict and making the lives of residents better within their communities.

Signs that You Need to Declutter Your Office

Many of us work in offices and many of us are extremely busy people from the moment we set foot there in the morning until the time when we leave in the afternoon. It is no wonder then that we don’t always have the luxury to keep things organized or even dispose of those items we no longer need as simply there is no time to do that. Having said that, it is something that needs to be done, and the only person who can do it is you because only you know all the documents and other items that are with you in your office. It doesn’t have to mean that you have to keep throwing things, because often storing them in storage units near me might be an excellent idea. Here are some signs that it is time to de-clutter your office, even if it means staying overtime:

1. You have problems finding what you want. If this happens, it is best to just tidy up, because not being able to find what you want is going to waste you way more time than cleaning your office space. Not being able to find what you need is a telltale sign that something needs to be done about it.

2. Your office resembles the homes of some of the biggest hoarders you can watch on TV shows. Even if you are very organized and have everything under control, you still might need to tidy up as a small cramped offices gives a bad first impression to those who happen to visit it. Keep your things to the minimum, and whatever you use only from time to time store safely in a storage facility that is preferably located somewhere close to your office, hopefully within a short distance so that you can access it at any time you needs something from it.

How to keep your Limited Liability Company in Good Standing

If you have established your business idea into a limited liability company then you have to ensure that it remains in good standing to avoid any shutdowns. As a company secretariat, it is your responsibility to keep the business standing through entity management, sometimes also referred to as subsidiary governance.

This phenomenon of the state stepping in is known as being struck off the register. If you find yourself in such a position, your company will not be able to trade with others, sell its assets, make any sort of payments or participate in business activities. In more serious circumstances, you might even face financial penalties, a directorship ban for 15 years or be personally liable for all company debts. The business name will be sold and other companies or entities might be able to use it. Lastly, any assets of the company that have not been liquefied will be transferred to the state. In order to get them back you will have to go through a process of restoration of the company. Which may not be ideal.

Given the harsh repercussions of being struck off the register, a good standing is something you will definitely want your business to have. There are a few ways through which you can ensure this:

  1. Timely Annual Reports

All corporations much file annual reports, pay fees and tax. Some states may require this report every few years while others remain true to the ‘annual’ part of the description and require it every year. These are just forms, available online as well, in which you will fill out business details. Fulfilling this small requirement can help you achieve good standing. Thus, mark your calendars and keep reminders.


  1. Up to Date Information

When you establish a business, you have to report a registered agent so that you have legal status. This individual, over the years may have been replaced or chosen to leave; in such a situation, if you fail to update your information, you will be more likely to be struck off. You might want to move to something more reliable like a registering agent company instead of an individual.


  1. Proper Records

Observing corporate formalities, the recording of financial and corporate records, will ensure that your liability for the business remains limited. Thus, you will not be held liable personally in case a business suffers debt or lawsuits.

This entails that a company should have independent up to date financial records so that a difference between the two entities, the company and the secretariat, is made apparent. This was the business is judged on its own rather than including the assets of the directorate as well.

These are three basic steps that you can take in order to ensure that your company demonstrates stability. In the longer term, you may even be issued the certificate of good standing which will help increase trade levels, profitability and will boost overall corporate stability.

Biggest Startup Mistakes and How to Avoid Them

Let’s be honest: nobody likes to talk about mistakes, especially when they concern their own start-up. We could learn a lot from the small and big belly spots of others. We’ve been listening around in the start-up community and collected some of the most common startup pitfalls- so you don’t have to go through them.

  1. Don’t listen to your gut feeling

It sounds completely banal and yet many founders overlook this basic rule. As self-employed you have to make big and small decisions every day. Many of these decisions you can make with your knowledge in the best possible way. Then again there are certain situations in which your mind is not sufficient, for example because the outcome of a decision is completely open. “Should I hire person A or person B? Should I accept the tempting offer of a competitor? In everyday life we simply trust our gut feeling in situations with an uncertain outcome. Why? Quite simply: Because it is the sum of our life experiences. What serves us well in everyday life should not be left at home in business either. You have a very bad feeling about an applicant, even though all application documents look great? You don’t trust the big promises of a potential business partner, although you can’t explain it to yourself? Listen to your gut feeling, it will show you the way if your mind can’t! Thus when you are ready to set up your LLC for your startup, first read this review of Legalzoom vs Incfile.

  1. Blindly trust investors

Some founders seem to regard investors and business angels as generous patrons who distribute their money to the start-up community out of pure charity. Even if this is true in exceptional cases, most investors are successful businessmen who have nothing to give away. They invest their money in projects that they hope will generate growth. They secure their share of the cake through appropriate contracts and certain rights as creditors in the event of failure. Whoever works together with an investor or a business angel therefore always gives up a part of his own autonomy. There is nothing wrong with that, on the contrary: in many cases an investor can be the key to your company’s success. The important thing is not to forget: Those who open the door to investors cannot throw them out again at will. And: the more difficult your financial situation, the greater your dependence on the conditions of others.

  1. Wrong budgeting

Enthusiasm prevails in most start-ups, especially in the initial phase of a start-up. And that’s a good thing, because the pink glasses will compensate you for nights and weekends in the office, while your friends enjoy their beer or laze around the lake. But at the latest when it comes to money, it’s time to take off your pink founding glasses for a moment. Founders also have costs – and these are usually higher than newcomers suspect. Not only the rent for the office has to be paid, but also costs for technical equipment or for the services of others. One should always calculate also legal assistance with possible legal questions of dispute. In addition, you must still eat, live and dress warmly in winter. All this must be taken into account in your budget if there is not to be a rude awakening during the first year. Even if it can hurt sometimes: It is much better to work with a solid database from the beginning than to handle completely unrealistic numbers and notice it when it is already five to twelve.

  1. Misjudge your own resources

Anyone working in a large company usually has more or less clearly defined tasks to perform. As a founder, however, you suddenly not only have to fulfill your job, but are girls for everything. Many young founders tend to underestimate the multitude of activities that go along with it. From screwing the office furniture together to evening networking to sorting the bank receipts or training the first employee. If you have enough money to outsource all these activities, you can sit back and work on your own product. For all others, the rule of thumb applies: at least one third of the available working time of a founder is spent on activities that have nothing to do with the further development of one’s own idea. Calculate that accordingly!

How Can You Apply for a Medical Loan?

Medical emergencies are not avoidable and you should be ready financially no matter what. It can be a nightmare otherwise. You need to act quickly and properly in order to manage the situation. Although many people opt for medical insurance cover to mitigate such needs, there are others who are not even aware of its benefits and the peace it brings to your life in the long run. Some medical emergencies may require a hefty amount of investment to improve health conditions, which is when a medical loan may help.

If you have been wondering about the correct ways to apply for a medical loan then you are at the right space. We will share some ways to apply for a medical loan below:

There are three ways of applying for a medical loan-

  1. Online Via Website

You can apply online through the company’s existing website at any point in time.

  1. Directly Over A Call

You can apply via phone call by contacting the customer support team directly to understand the process and apply for the loan.

  1. Visiting The Centre

You can visit the centre physically to apply and get your documents verified and processed immediately.

After verification of the necessary documents, the loan gets approved to take care of the medical expenses without any hassle.

Eligibility Criteria to Apply For Medical Loan

There are certain criteria that you need to meet before applying for a medical loan.

  • Age Limit– In order to apply for a medical loan, the applicant needs to be above 23 years of age. This has been decided keeping in mind the earning capacity of an individual when he reaches this age and that he/she will be able to repay the amount in equal instalments on time.
  • Salary– The applicant needs to earn a minimum of INR 20,000 in order to get approval for the loan.
  • Permanent Job– A minimum tenure of 12 months is considered to be fit for applying for a loan. In most cases, the applicant is required to continue with the same company for a long tenure.
  • Ability to Repay– It is important to have a good CIBIL rating as it impacts the loan disbursement. If the applicant’s CIBIL score is low, then he or she might have to take a joint loan to ensure that EMIs are paid on time.

Documents Required

  • Photo ID Proof– A legit copy of ID cards like Aadhaar Card, Voter Id, Passport or Driving License has to be submitted
  • Income Proof– The applicant needs to share the bank statement of the past six months
  • Salary Slips– Last three months’ salary slips
  • Address Proof– A valid passport or electricity bill is considered

It is important to have a medical insurance cover because the world is getting costlier day-by-day and it is really becoming very difficult for an average-earning individual to afford the expenses. Once you know the required criteria, you can easily apply and enjoy the benefits that it promises.





Facing a Financial Crisis? What Items You Should Store & Take with You

Have you ever faced a financial crisis? Everyone, at some point in time, will face money problems. Whether you do not have enough money to pay the bills or you are just starting to get on your feet financially, it happens. If you find yourself in a situation where you must move from your home because of finances and you are without a home and must live with family or friends, you likely do not know what to do with all your items. So, what items should you take, throw out, and store? Let’s look.

What to Take with You When You Leave

If you must leave your home behind, it is going to be a difficult time. You may be wondering what exactly you can and cannot take with you and what you will do in a couple of months.

Before you panic too much, there are some items that you want to keep with you, no matter where you plan to go.

Always keep these items with you:

  • Kid’s toys and supplies to care for them
  • Important documents (i.e. bank records, birth certificates, SSNs, etc.)
  • Kitchen items (i.e. utensils, pots and pans, etc.)
  • Computer/laptop/hard drive

What You Can and Should Store

Of course, you do not want to take too many items with you, especially if you are sleeping on the couch at a friend’s house. Below, we will talk about some of the items that you want to store.

  • Clothing you will not need or use at the time (i.e. seasonal clothes)
  • Duplicate items
  • Outdoor furniture
  • Indoor furniture
  • Lawn equipment

What to Toss Out

You are already facing a hard-enough time as it is and now you must think about things to throw out. When it comes down to it, only toss out what you are comfortable letting go. For instance, if you have items you have never used or items that you never plan to use, don’t hold onto them.

Store what you want and only toss out what you feel you can do so without any issues.

Quick Storage Tips for You

If you do need to move in with a friend or family, setup your storage unit for easy access because you will likely be in and out of the unit often. Below are some details to determine how much storage unit space you need.

One of the ways that you can organize your unit is to mark the boxes with what is inside. This way, you can quickly identify the box you need and grab what you want from it.

Don’t Let a Financial Hardship Bring You Down

Yes, it is easier said than done, but try not to allow your financial hardship to bring you completely down. Do take time to get back on your feet and don’t be ashamed that you had to place some of your items in a storage unit. People store items all the time, so take this extra time to focus on yourself and know that your items are safe as you do work to get into a better financial spot.


Peer to Peer Lending 2019 Outlook

The peer to peer lending industry in the U.S. has grown dramatically since its inception less than fifteen years ago. Total loans issued by Lending Club and Prosper total over $50 billion. In 2018 alone, Lending Club issued over 500,000 loans worth over almost $10 billion. It is clear that, barring some unexpected regulations or legislation from the federal government or many state governments, this industry is firmly established and positioned to grow in the future. In this article, we will look at the outlook for peer to peer lending investing in the U.S. for 2019.

First of all, the state of the consumer lending market in general is probably the most significant indicator of the near term prospects for this investment. According to credit score provider Transunion, the consumer credit market is expected to grow in 2019. This outlook is based on the current low unemployment rate, strong consumer demand and continued low interest rates (by historical standards).  This opinion is also shared by The Kenyan Wall Street which sites low unemployment and rising personal income.

Another important factor is the competitiveness of the major peer to peer lending platforms, specifically Lending Club and Prosper. Prosper is a privately held company so there is limited information available about the company’s financial situation. However, Lending Club is publicly traded so there is plenty of information available to the public. While the company has experienced significant revenue growth, it is expected to lose money for 2018. According to CNN Business, analysts expect an increase in the share price of 35% to 175% and their consensus rating is ‘Hold’. This is very encouraging news for the stock and should give comfort to P2P loan investors as well.

The ability of peer lending platforms to compete with traditional lenders like banks is important to the prospects for the industry. As we have seen, the amount of peer to peer lending the U.S. has increased every year. Clearly, these lenders have been able to compete in the past. With no significant changes to the way any of these organizations operate, there is no reason to believe that the relative competiveness of Lending Club and Prosper will change. Therefore, continued growth should be expected.

There are two significant operating expenses to look at when comparing P2P lenders to banks. One is the overhead that banks have in terms of employees, marketing and physical locations. This adds costs to every transaction that the bank undertakes. Peer to peer lending platforms have significantly lower overhead costs which gives them a competitive advantage. On the other hand, banks likely have better techniques for evaluating the creditworthiness of borrowers. This means that they will likely have fewer defaults and therefore, higher profitability. It is hard to say what the net effect of these two factors will be, however, I am included to believe that lower overhead costs outweigh any competitive advantage that banks have with assessing borrowers.

So what is the outlook for prosper and lending club investing in 2019? Based on the factors analyzed here, it is clear that the future looks very promising for this industry as well as individual investors. Of course, every investor has a different strategy and experience so there will be success stories as well as unmet expectations. However, the overall experience should be positive as the industry continues to grow in 2019.

Business Card Design Tips

Having a great business card that attracts customers is not just listing your company name on a small paper. Instead use the hundreds of ways that you can design and format your business card, of course, with your contact included, that really makes your company stand out.

Remember your business card is often the first impression of your firm in your prospects minds. Make your business card work for you to help make connections and network to new business deals.

Follow these guidelines to make your business card perform well for your company.

Only the Most Important Info

You do not need to include every piece of information on your small business card in tiny print. That is an amateur move that reduces the effectiveness of your card as a sales pitch.

Powerful business cards are meant to attract interest and be memorable and that is virtually impossible when you try to print an essay on a small card. Instead be selective and only include the most important information on your card.

Get Printed Professionally

Don’t try to save a few pennies by printing your business cards at home on your office computer printer. It is such a turnoff to new customers and indicates a lack of professionalism on your part and makes a poor first impression.

Today business cards can be printed professionally for under $20 so even the entrepreneur with the tightest budget can afford professionally printed business cards. Save more with this Tim Ferriss 99designs code for your logo design.

Make it Easily Readable

Save those quirky fonts for your personal Christmas cards and leave them off your business card. Be certain that the typeface fonts that you utilize on your business card are not too small or difficult to read. Remember many people may not have their glasses readily available so make the font large enough to read at a glance easily.

Your logo is the design element that should communicate strongly and add interest. The text is merely to communicate data and support your logo’s brand message.

Leave White Space

Many new entrepreneurs try to cover their business card with so much color and information that the vital brand message gets lost. It is better to leave white space for the eye to relax and also to allow your customers to make a notes on your cards.

Design for Your Customer

If your firm has multiple product lines, consider using both sides of your business card one for each business division –  if your businesses are complementary.  However if you have two very different business functions create a separate business card for each company to avoid confusion. Design a more powerful message on each card to speak directly to that type of customer.

Choose Options Carefully

Today there are so many attention grabbing finishes available for business cards it can be tempting to use them all. Some of the most popular are rounded corners, die cut, hole punches, unusual sizes, foil embossing and folds to turn a business card into a small brochure. All these design elements are terrific but be sure that you choose one that is related to your brand and not just cool.

Add a Call to Action

While your business card needs to remain simple and streamlined that doesn’t mean that you cannot add a special offer. Create a short message that offers a discount or a helpful guide on your website which will be useful to your customer.


Testing Til Destruction – Preparing Your Product for Global Distribution

Your design is ready for production. Or, at least you think it is. You and your team have done the required quality assurance testing required by North America authorities. You’ve gone through the FCC, DOE, EISA 2007, and EnergyStar. All tests came out green.

How About International Testing

However, have you done any testing for the international market? Though you are ready to go in North America, you may not be certified for overseas sales. For instance, your product may not be ready for the EU grid connection. Or, it’s not compliant with Northeast Asia’s Energy Label.

If you haven’t thought about these markets yet, then you need to pause and determine how best to test your product for global compliance. This is where you need a company that specializes in global market access product safety testing.

International Approvals Management

Many companies, Curtis-Straus being one of them, conduct a series of tests under International Approvals Management to certify your product is given the global green light. Once you provide your design to their team, they’ll go over the specifications to determine if any changes are needed to pass international tests.

These companies have other benefits as well when it comes to global market access product safety testing. One of these is knowledge. As they work in the environment on a regular basis, these testing organizations are aware of updates to international policies. Therefore, they can alert you immediately if there is a significant change that could delay distribution.

Another benefit is timeliness. These companies are aware you’re on a deadline. So, their liaisons reach out to these international agencies and work with them to complete their testing on schedule. In the case there are delays, the approvals team alerts you to the reasons and what they are doing to keep the project going.

Yet another benefit is cost. Performing these tasks on your own can cost more than your product development. Consolidating those efforts through the approval management group lowers those costs. In the end, you can utilize the saved funds to promote your product.