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Business Loans vs. Personal Loans: What’s The Difference?

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Many people, including some businesspersons, do not understand the difference between business and personal loans. As an entrepreneur, there are many reasons that can drive you to take a loan. Some of them include starting a business, boosting your marketing campaigns, purchasing equipment and expanding your business. However, deciding on the best loan to take is a challenging process, especially if you are taking a loan for the first time. It is advisable to learn the basics of both personal and business loans to help you make an informed decision. Each type has its advantages and disadvantages.

It is easier to apply for personal loans than business loans. When applying for a personal loan, you can approach an online lender, bank, or credit union. The lenders do not necessarily look at the performance of your business when approving a personal loan. They usually consider your salary and credit history. If you want to get a low-interest personal loan, you should improve your credit history. Some small business owners consider personal loans due to their easy applications and simplicity.

On the other hand, applying for a business loan is complicated, especially if your business is small. The application, processing, and approval of business loans take longer. When applying for a business loan, you must provide the lender with the right documentation. The lender must know the location of your business, how it operates and the amount of money it makes monthly or annually. Some of the requirements for applying for a business loan include the following:

You may also be required to provide collaterals to secure a business loan such as assets. One of the benefits of applying for business loans is that they have higher maximums than the personal loans. The lender can give you up to $5.5 million depending on the size of your business. However, the interest rates on business loans are usually higher. State regulations usually determine the interest rates. The loan installments affect the interest you pay.

Before deciding on the type of loan to take, you need to consider the amount of money you require. If you need a lot of money to expand your enterprise, a proper business loan is the best choice for you. However, if you need a loan urgently without multiple complexities, you should probably consider a personal loan. It is advisable to consult a financial advisor to help you decide on the best loan to take.

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What Parents Should Know About Bullying in High School

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When you discover your child is being bullied in high school, you probably feel helplessness, anger, sadness, and fear. All of these emotions are to be expected from parents who want their child to feel protected and loved. To become an adequate support system and advocate for your child, you need to create an action plan to help your child.

Where Do I Start?

Start by talking with your child about being bullied and focus on listening without judgment. Teenagers especially may not want to open up right away. During this time they probably feel insecure, embarrassed, scared, angry, vulnerable, or sad. Listen to your teen and learn as much as you can about the situation. It’s important to know how long the bullying has been happening, what kind of violence or bullying is happening, and who the actual bullies are. Reassure your child that:

  • They are not alone
  • It’s not their fault
  • Bullying is never ok
  • School safety is a right
  • They deserve respect

Social Media and Cyberbullying

Today, any child or teenager can post hurtful comments about other kids on their social media. They can also take an embarrassing photo or video of their classmate and post it where other students can point out their flaws, and make insults. Cyberbullying is a growing concern, as more teens and children use social media and the internet for their socialization need. It’s important to talk with teens about these common threats, and protect them as best you can.

In the modern digital age concerns about online safety for kids continue to rise. From the moment teenagers log on to the internet, they are at risk of criticism from their peers and even strangers. Cyberbullying is a serious and preventable public health problem. If left ignored, it could lead to consequences that will last forever. Bullies, victims, and witnesses are at high risk of depression, anxiety, future aggressive behavior, and poor school performance. Victims of cyberbullying are more likely to commit or consider suicide. Keep in mind cyberbullying can be hard to notice.

Bullying that happens online is just as dangerous and real as in-person bullying at school. Cyberbullying can reach teenagers anywhere, at home, or other places they should feel safe. It’s vital to be realistic and know that it takes time to teach and learn ways of handling conflict and the emotions that come with it. Always praise your teen and recognize when they handle conflict or stressful situations well, and be open to them to allow effective communication

For more tips about keeping you or your family safe, check out our family section!

Is It Wrongful Death or Is It Murder: What to Know

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There are some clear cases of murder, but there are also a number of cases that are a little harder to define. The following guide will help you understand everything there is to know about what constitutes wrongful death and murder.

How Murder and Wrongful Death are Defined

The truth is that proving willful intent or gross negligence can be difficult, which is part of the reason you need professional help. “Murder” is defined as the killing of a human being by a sane person with intent. This killing has to be done with no legal excuse or authority.

“Wrongful death,” on the other hand, is the death of a human being due to the wrongful act of another. The problem comes with the definition of “wrongful act”, which means, “Any act that will damage the rights of another, unless it is done in the exercise of another equal or superior right. For that reason, the scope of wrongful acts is not limited to illegal acts.” This definition of a wrongful act is legally vague, so as a result there are gaps and loopholes to be found in the definition of wrongful death. In order to prove that someone suffered a wrongful death, it must be shown that a wrongful act was committed which caused that death—but that can be challenging.

Resource: Law Office of Eric Ramos | Wrongful Death

Figuring Out the Type of Death One Suffered

Attempting to figure out what kind of death someone suffered is definitely a task that is best left to professionals. Proving wrongful death by a wrongful act is much easier to do with a team of legal experts at your back. But for the sake of discussion, let us examine the common challenges of wrongful death suits:  

On the Road

Again, car accidents occur on the open road where things change constantly, making it hard to pinpoint signs of murder. Furthermore, investigators also have to show that the person who caused the death wanted to do so intentionally, and that is not always easy to prove since the heart cannot be examined.

Resource: Explore Forensics | Determining Cause of Death

At Work

There are several reasons why determining the cause of death at work can be hard. For one, most work environments move quickly, and that introduces change. A detective needs a crime scene to remain unchanged in order to find clues pointing to an unnatural cause of death. These clues might be gone by the time investigators get there. Investigators also have to take into account just how dangerous the type of work is and if it was simply caused by a gross error, rather than negligence or other wrongful acts.

These are just some of the reasons why wrongful death and murder are not easily defined in every situation. Most murderers are going to try to hide their true intentions, making this task hard, but a good lawyer should be helpful in these situations.

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A Guide to Traveling with Medication

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When you leave for vacation, it’s easy to overlook the important things. With all the time you spend worrying about what to wear, whether or not you’ve printed out your plane tickets, and if your passport is still current, it’s easy to forget daily necessities like medication. And if you do remember to pack your medication, that raises a whole other set of questions. Where do you put it? How can you avoid heat damage? Is it better to keep your medication with you or check it in your luggage? Traveling inevitably brings some anxiety, but keeping these tips in mind can help ease your mind about traveling with medications so that you can relax and enjoy the trip.

Avoid Exposure to Heat

Like food, medication can be adversely impacted by the heat. During the flight, it is not uncommon for airline cargo areas to reach temperatures that exceed 64°F. This poses a threat to many goods and personal items, including wine, food, pets, and medication! Many prescription medications come with a label that tells you what temperature range is okay for the medicine. Going above or below that temperature range can alter the effectiveness of the medicine. It’s more common for medications to come with an excessive heat warning, which means you need to take precautions when you’re flying – and less capable of controlling the heat than in your own home – to store medication properly.

The best way to avoid heat damage to your medication is to carry it onboard with you and keep it away from direct sunlight. This helps the medication avoid being exposed to temperature changes, which in turn can alter its effectiveness. Usually, most prescription and over-the-counter medications should be stored at “room temperature,” which is somewhere between 68°-77°F. If medication is stored out of this temperature range, it can render the medication more or less useless. Going slightly lower or higher (about 10 degrees in either direction) is fine.

Microbe Formulas explains that “when traveling with medication, it’s important to note how gel capsules react to heat. If you notice any discoloration in the capsule it means the heat and humidity have compromised it.” In this case, you’ll have to discard the medication that you were relying on to get you through a journey. In addition to costing you precious money, this can pose a serious health threat if your access to prescription refills and medications in your destination is limited.

How to Pack Medication

Between the hassle of keeping up with airline policies and restrictions to the inconvenience of waiting in line, many people these days are choosing to forego the “checked baggage” option when they fly. Since you have optimal temperature control and assurance about where your medication is at all times when you carry it with you, this might seem like a non-issue. However, there are times when it’s better to pack medicine properly so that you don’t end up holding up a long, frantic line of travelers or making enemies with a TSA screening agent.

Ultimately, your medication should be treated like a liquid. It should be isolated in a plastic bag and clearly labeled. Translucent bags are the best option for getting easily through an airport security checkpoint. The bag that contains the medicine should be marked clearly, and the medicine should be kept in its original container. If you need to take medicine during your flight, or if you have an emergency medication like an EpiPen, it’s best to pack the medicine last in your bag so that it’s easily accessible when you need to get to it.

How to Label Medication

Once you know how to properly store and carry medication, it’s time to move on to the labeling process. For starters, liquid medicine that you take should be put in a three-ounce container. If you take more than one form of medication, store the individual three-ounce bottles in a plastic zippered bag. TSA agents like to know what they’re looking at, so using clear plastic bags is best.

At a minimum, you should be sure to label each plastic bag containing your medication with your name and the dosage amount that you’re supposed to take each day on a piece of masking tape, which you should wrap around each individual bottle. This helps you locate your medicine easily if it becomes separated from you, and it also helps the medicine get through a TSA checkpoint without having agents perform the humiliating process of either pulling you aside for a pat-down or stopping the X-ray machine to ask about the content of your bags. Usually, your medication will have a label from the pharmacy that prescribed it. But if it doesn’t, or if you’re using over-the-counter medication, creating your own label is the next best option.

Where to Store Medicines

Generally, storing medicines in the cabin of the plane is your best bet for temperature control. According to The Economist, the average temperature of a plane cabin is somewhere between 65°F and 75°F. Rarely, the cabin can get up to 85°F when all passengers’ personal entertainment screens are running. Since this is not the norm and you have some control over temperature regulation in your area through AC control and window blinds if you’re sitting in a window seat, the cabin is a much better place than the cargo area for storing medications.

Going on a vacation is exciting, but people often underestimate the amount of planning and preparation that’s required before leaving on a trip. There are many things to think about when you travel, but one of the most important—and easily overlooked—parts is storing medication properly. By keeping your medicine in the main cabin, where there is less likelihood of temperature fluctuation, and storing your medications in clear plastic bags with labels that are easy to read, you’ll be in a much better position to breeze through an airport security checkpoint with little difficulty. Keeping your medicine within easy reach when you travel and getting extra supplies before you go ensures that you will stay healthy and safe while traveling.

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5 Uses of Medical Marijuana that May Change the Future

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When some people hear about cannabis, they only think about its recreational purposes. However, scientists have realized that marijuana contains multiple helpful properties that can be used to treat several illnesses. Although marijuana is now legal in some states, a high percentage of the Americans believe that it should be legalized countrywide for medical purposes. The therapeutic attributes of cannabis products have made the plant more popular across the world. Cannabinoids (CBD) is believed to be the most crucial component of the plant that can heal numerous illnesses. Legalization of this plant in all states can play a significant role in the elimination of chronic diseases. Here are five uses of medical marijuana that you need to know:

Pain Relief

Medical marijuana is one of the best solutions for painful conditions. Scientists published through the JAMA Network explain, “it interacts with receptors in the immune system and in the brain of a human being to eliminate pain and minimize inflammation.” It can treat pain related to cancer, arthritis, and many other illnesses.

Asthma Treatment

Asthma is a dangerous lung condition that can affect people of all ages. The inflammation of the lungs is the leading cause of asthma. The CBD Insider reports that, “CBD has the potential to be a bronchodilator and an effective analgesic.” The plant’s anti-inflammatory properties help in unblocking the airways. However, it is not advisable to smoke cannabis when you have asthma. Smoke can worsen your condition by increasing inflammatory in your lungs. As an asthma patient, you should consult your doctor before consuming any form of cannabis products.

Reduce the Risk of Diabetes and Cardiovascular Illnesses

Diabetes is a chronic illness affecting millions of people in the world. Medical marijuana lowers the risk of cardiovascular diseases and diabetes. It contains anti-inflammatory properties that help in treating type 2 diabetes and heart problems.

Helps in Fighting Cancer

Cancer is one of the deadliest diseases in the world. It causes hundreds of deaths every year. However, the good news is that scientists have found that marijuana contains some helpful properties that can be used to alleviate cancer-related symptoms. Medical marijuana minimizes pain, nausea, vomiting and other symptoms related to cancer. It also reduces the spread of cancer cells.

Reduces Depression and Anxiety

CBD oil is valuable in the treatment of mental health conditions, including depression, stress, and anxiety. Also, according to Healthline, “since CDB oil is derived from hemp and not marijuana it’s legal in more places, and it comes in many different forms like gummies, oil sprays, lotions, and more.” It contains properties that regulate social behavior and moods. Additionally, if you have sleeping disorders, medical marijuana is the perfect solution for you. It will treat all your sleep issues and mental disorders.

Medical marijuana is safe for consumption. However, you should only buy the products from authorized dispensaries in the country. This will ensure you get high-quality products to treat your illnesses.

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Accentuate This One Facial Feature to Increase Your Charisma

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It’s no secret that your self-confidence plays a considerable role in your charisma. People who are confident and who feel good about themselves tend to be more likable and charismatic. So what role does dental health play in charisma? The simple answer is that dental health plays a vital part in the way you view yourself, which can affect how other people perceive you. Even if you aren’t satisfied with your smile today, however, it’s possible to get the dental care you need to enhance your self-confidence and your physical appearance. Here’s what you need to know.

Consultation

One of the first steps in improving your self-confidence and your smile is to visit your local dental care provider for a consultation. Your provider will take x-rays and examine your teeth to determine exactly what steps you need to make to enhance your smile. This may include crowns (or fillings), bridges, veneers, or even implants in your dental care plan. Additionally, you’ll need to make sure you continue to visit your dentist on a regular basis. Typically, you should visit at least twice a year for optimum health.

Procedures

After your initial consultation, you’ll schedule the procedures you’d like to have done to enhance your smile. If you have staining, crowns and veneers can help improve the appearance of your teeth. For adults with missing or damaged teeth, implants, an artificial tooth your dentist will place into your mouth, can be an incredible way to look and feel better about your smile. In addition, dental bridges have become a popular method of improving the appearance and health of your smile. This will help you to carry yourself with confidence and will impact the way people view you. While most people don’t necessarily care about the way your teeth look, they can tell when you feel uncomfortable with yourself, which is why it’s essential you get the care you need to look and feel your best.

Don’t wait to feel better than ever about your teeth and your smile. If there’s something about your smile that makes you feel uncomfortable, make sure you visit your dental care provider as soon as possible to schedule a consultation. You’ll be delighted to discover just how many options there are available to you as a client. Your provider will work with you to create a plan that will result in your smile being brighter and more beautiful than ever before.

So I Totaled My Car. Now What?

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You’ve been in an accident and totaled your car. While it might seem like there are no options available aside from selling it for parts or sending it to the junkyard, there are a few things to consider that could lead to money for a new car. There are also a few details that you need to take care of regarding the legalities of your accident so that the incident can be properly recorded.

Who’s Responsible?

One of the first things that is usually done after a car accident is determining who was responsible. Pictures taken at the scene and witness statements are often used to help determine who was at fault. This information is important when trying to determine the proper insurance settlement so that you can get the compensation you deserve.

Sell for Scrap

If your car is beyond any kind of repair, then the best decision might be to sell it for scrap parts. You can find buyers who want to purchase parts separately or someone who would want to buy the entire car and take each part off of it to use on another car. Another option would be to take your car to a junkyard to sell for scrap. Find out whether you need a title before selling your car for scrap.

Understand Your Finances

If you’ve totaled the only car that you have, then you might see this time in your life as a challenge. Consult with an attorney to determine if there is anything that you can do to receive compensation for the accident. Try to talk to a car dealer to see if your car can be sold to them or traded for a different vehicle. Consider public transportation or riding with family and friends to get to work so that you can continue making money.

Dealing with Insurance

Soon after the accident, you’ll need to report your loss to your insurance company. Your policy might cover a rental car or ensuring that you receive compensation for a total loss. A rental car and towing are usually optional elements that you can add to your policy at any time, but you need to do so before you’re in an accident. This is why it’s so vital to protect yourself with adequate auto insurance so that you have options for something to drive.

A car accident could result in the loss of your car, but it doesn’t mean that your life has to be put on hold. Consult with your insurance company and an attorney to find out your legal options. Begin searching for another car that is affordable while talking to your insurance company about ways to protect your car in the future.

References:

The Urban Prepper’s Complete Home Defense Checklist

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If you live in a big city, then you should prepare for many kinds of potential disasters, from floods to plagues to organized attacks. Today, it is easier to become an urban prepper who is ready for anything. Here are some of the ways to prepare for any type of disaster.

Have Nonperishable Food Stored In Your Home

During a disaster, you won’t have ready access to a supermarket or a restaurant. It’s likely that you won’t have the power to run a refrigerator, either. What you can have, if you prepare ahead of time, is an assortment of non-perishable foods available. Everyday Cheapskate explains how “Ideally, you need enough [food storage] to feed your family for six months but start with shorter goals, like one week, then two weeks, and then a month…” In addition to canned foods, you can have freeze-dried foods that are easy to open and to eat immediately or that only require minimal cooking. Remember that at the very least, you should have three days of food available for each member of your family, but the more the better. If you have the room and the funds to store three month’s worth of food (or more) for your family, use it.

Do You Have a Bug Out Bag?

A bug out bag is typically a backpack that you can use to hold the items required for daily survival. The goal of this type of bag is to carry enough things for your survival for approximately a week. Water is one of the main items required for a bug out bag, but you will also need food, matches and a sleeping bag. If you have a serious medical condition, then make sure to add medications to your bug out bag supply list.

Do You Have a Weapon’s Permit?

You may want to have weapons for defense or to hunt for food, but you must follow local government regulations concerning rifles and guns. When you want to have weapons, make sure to learn how to use the items safely; this means taking the appropriate classes and practicing regularly with your weapons (once a month or more, if possible).  When weapons are not in use, you should keep them protected in locked boxes or gun cabinets to prevent accidents.

Update Home Security Systems

According to ADT, “A home is supposed to be a safe place. However, with the possibility of home invasions, fires, hurricanes and other emergencies, a state-of-the-art security system is required.” If you want to protect your family from the dangers of home invasions, then you should update your home’s security systems. You can visit a home improvement store to find new locks for a home’s doors or windows along with security bars. It is also easy to install modern surveillance cameras that look like doorbells and other everyday objects. With a smartphone or computer, you can monitor your home when there is an emergency situation.

Learn First-aid Procedures

In addition to having a bug out bag and other items for protection during a disaster, make sure to enroll in a first-aid class to learn how to perform CPR, how to save yourself and others from choking, how to treat shock, and other important skills that may save lives in an emergency. Have emergency first aid supplies packed in the bug-out bag of every family member in the event that you are separated. Make sure those supplies are not expired.
Overall, being prepared for unexpected situations such as loss of access to food, water, and/or electricity should be a consideration every person should be concerned about. Follow some of these tips, and you’ll be well on your way to being a well-prepared citizen. For more tips on how to prepare for and deal with the best and worst in life, check out our life hacks page.

5 Benefits of Learning a Foreign Language

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Many counselors in both high school and college urge countless students each year to enrich their educational experiences by studying a foreign language. In addition to looking great on college and work applications, the process of learning a foreign language brings with it a list of positive benefits. Here are five incredible benefits of learning a foreign language.

1. A Boost in Brain Power

Learning a foreign language has been linked to increased performance in other academic areas and to improved memory and cognitive ability. People who speak two languages have demonstrated better problem-solving skills, increased memory, critical thinking, and other impressive qualities.

An interesting fact is that bilingual individuals have shown the ability to hold their attention on a subject for 20 percent more time than people who speak one language language alone. The brain benefits greatly from the challenge of communicating with two different languages. The improvement to the bilingual person’s cognitive abilities will be clear in all aspects of their life moving forward.

Related: https://www.newyorker.com/science/maria-konnikova/bilingual-advantage-aging-brain

2. More Career Opportunities

The global nature of today’s world means that the ability to speak a second language fluently is a valuable skill. Many job opportunities in America and other countries are better suited for employees who can communicate with clients and customers in multiple languages.

A study performed by MIT shows that bilingual individuals earn a significant amount more over their lifetimes than unilingual individuals. The job seeker that can list a second language on their resumes gives themselves a true advantage over otherwise equally qualified candidates who speak a single language.

Related: http://www.connectionsacademy.com/homeschool-curriculum

3. A Portal to Another Culture

Studying a second language exposes an individual to many of the cultural traditions of the people whose language they’re studying. The awareness of another culture opens the door to establishing rich new relationships. The discovery of interesting traditions and histories of other cultures are also made possible through language learning.

An added benefit for bilingual individuals is the ability to immerse themselves immediately into other cultures when traveling to a country where the language is spoken.

Related: https://www.thnk.org/blog/language-and-empathy/

4. Improvement in General Language Use

The process of learning a second language requires individuals to pay close attention to the tenses, grammar, and structures presented by the new language. The study of these mechanics in the second language will help individuals become more aware of these issues in their primary language. In effect, learning a new language causes an individual to become a better speaker and writer of every language they know.

5. Enhanced Networking Abilities

Making oneself open to new cultures encourages an individual to be more appreciative of the opinions and actions of other people. Bilingual individuals are able to view world issues from a second viewpoint and develop an enhanced ability to communicate with a greater amount of people.

Related: https://www.nytimes.com/2012/03/18/opinion/sunday/the-benefits-of-bilingualism.html

Final Thoughts

Students are sometimes reluctant to study a new language due to a lack of understanding regarding the possible benefits to them. A quick peek at the benefits detailed above makes it obvious that learning a new language is well worth the effort.

Here’s a great article talking about learning we think you’ll enjoy! For more great articles like these, check out our blog!

 

How to Prevent Heat Loss in Your Home

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Winter is coming. You can start preparing your home now for the winter. One of the keys to keeping your home comfortable all winter long is to prevent heat loss. There are several ways that heat loss can be prevented.

Use Thick Curtains

Curtains are key for managing window heat loss or gain. The thicker your curtains are, the more effective they will be for keeping the heat inside of your home. You can keep your curtains open during the day in order to allow the natural sunlight to warm your home. However, you want to make sure that you keep them closed after the sun goes down.

Insulate Your Home

Insulating your home will help you keep it comfortable. It will also help you save money on your energy bill. Warm air can easily escape through the doors, windows, floor, and walls. That is why you want to make sure that your home is well-insulated.

Shut Unused Rooms

If there are rooms in your home that you are not using, then you will need to keep them closed. This will prevent cold air from moving through the rest of your house. You will also be able to prevent the heat from escaping.

Use a Chimney Balloon

If you have a chimney, then heat can easily escape from it. You should use a chimney balloon when you do not have a fire going. If you never use your chimney, then you should have a professional come in and cap it.

Cover Bare Floorboards

It is estimated that 10 percent of the heat that is lost in a home comes from the floor. One of the main reasons that homes have carpet is to prevent heat loss. However, if you do not have any carpet, then you will need to use blankets and rugs. Not only will this prevent heat loss, but it will also help you keep your feet warm.

If you have gaps and cracks in your flooring, then you will need to add some filler to your floor. It is important to choose a filler that can withstand the expansion and contraction of the floor.

Make Sure Your Attic Is Ventilated Properly

Hot air has a tendency to rise. It is estimated that attics and roofs account for 25 percent of the heat loss in a home. If you have cracks and holes in your attic, then you will need to have them filled. You also need to make sure that your attic is properly ventilated.

Watch Out for the Mini-Drafts

Heat can be lost through your dog or cat flap, and keyhole. This may not seem like a big deal because those areas are small. However, a small draft can make your home feel a lot cooler. You should put a blanket or insulation around the dog or cat flap. You can also put a cover over the keyhole.

Make Sure Your HVAC System Is Working Properly

Your home may lose heat if the heating system is inefficient. You may also have higher bills if your heating system isn’t working properly. Additionally, if your heater is ineffective, then it may not heat your home evenly. There may be some parts of your home that are cold while other parts are warm.

That is why it is important to make sure that your heating system receives maintenance. Professional maintenance will not only prevent heat loss, but it will also help you stay comfortable all winter long.

Add Secondary Glazing

You can reduce heat loss from your windows by adding a secondary glazing. This involves adding a second sheet of acrylic or glass to the windows. There are other benefits that can be reaped by adding a secondary glazing, such as helping to filter out the outside noise. The glazing can also prevent dust from getting in.

Additionally, this is a cost-effective solution. A secondary glazing can reduce heat loss by up to 63 percent. Keep in mind that you can have the glazing removed during the summer months if you like. If you live in a rented property, then you may have to get permission from the owner before adding the secondary glazing.

Heat loss can make it difficult for you to keep your home comfortable. Fortunately, there are ways that you can prevent this from happening. You can use thick curtains, insulation, and secondary glazing to prevent heat loss. You will also need to make sure that your attic is properly ventilated. Furthermore, you will need to watch out for drafts and make sure that your HVAC system is working correctly.

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