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Stretch Your Dollar By Retiring In Mexico: Here’s How

People are living much longer these days so retiring in your 60s means that your retirement savings may need to last a lot longer than in the past. Are you sure that you have enough money to live a comfortable lifestyle on your limited income?

This is a challenge many Americans are facing these days as the cost of living is rising all the time. Either you have to go very frugal and really tighten the belt, or you try to find a place where the cost of living is low.

While there are many places within the US where you can go and enjoy a lifestyle that suits you, if it is a low cost of living area, then chances are it isn’t as nice a place to live as you would want.

Which is why Mexico should be on your radar. You can retire there and enjoy excellent weather, delicious food and a laid back lifestyle for a fraction of what it would cost to do so in Florida, for example.

In this article, I will give you some of the things you need to know to be able to retire in Mexico.

Source:mexperience.com

1. Know your expenses

The cost of living is lower than in the US, but it does highly depend on where you plan to live, what your lifestyle is like and some other factors.

Do research to find the right area that is going to be cheap, safe and have the infrastructure that you need to live a good life there. You may find an area that is very economical, but the health care services are lacking or it isn’t safe to live.

There are websites that can give you the breakdown of the cost of everything you need in a particular city. This is a good starting point to understand if it is going to be within your budget.

Then, write down all of your expenses. Make sure you include health insurance as you will be paying out of pocket for health insurance in Mexico. You can shop around for the best prices on sites like Internationalinsurance.com, but it’s up to you to find a plan. Also, any expenses you will be bringing with you from abroad need to be accounted for. These items include subscriptions for things like Netflix or loans that are still open from the US like student loans.

2. Get a visa

Source:evisa-vietnam.com

Luckily, for retirees, Mexico makes it easy to come and live without having to jump through too many bureaucratic hoops. There are different visas, though, so you need to know the right one.

If you are planning to come down to do a sort of dry run to see if you would like living there, then a tourist visa is for you. It allows you to stay up to six months which is enough time to judge whether Mexico is actually the right fit or not.

If you do decide to live there, then you will need a temporary resident visa which lasts four years. Before you leave the US you should go to your local consulate to apply as there are some requirements to qualify. For instance, you will need to show a certain amount of income that comes from outside of Mexico. This can be income from a retirement fund or if you work remotely and have a steady income from that.

Once you have been there for four years, you can then apply for a permanent visa so you don’t have to keep reapplying for a temporary one every four years. Once again, you will need to show that you have a minimum amount of money coming in and a certain amount of savings to qualify. If you get accepted then you will have the right to work in Mexico so you can add to your income locally if you can find a job.

3. Learn the language

Source:theconversation.com

Though you technically can get by with only knowing English, your life will be much easier if you learn at least some basic Spanish. Relying on locals to speak English can cause some problems especially when you are dealing with paperwork. And hiring a translator can be costly.

If you can speak some Spanish then you can navigate much easier and even integrate in Mexico instead of only having ex-pat friends.

It can also be something that gives you something to do. Learning another language is something that keeps your mind sharp so you are less likely to have a deterioration of your facilities as you age. Learning keeps us young so there is an extra incentive to learn the language as a retirement challenge.

Get a side hustle

This is one that may be in a grey area when it comes to your visa. Make sure that you are allowed to work without any issues as some visas are strict about you not taking a job from a local.

Since you are now a local, you can do things like help tourists that are visiting the region. As you speak English and have insider knowledge, then you could find yourself doing well working a few hours per week leading some food tours or something similar.

If you are not allowed to do that, then you can always do it online. Start a Youtube channel that focuses on this area and have it link to your own website. Then sell e-books as guides for the area. Or, similarly, you can also charge for itineraries that can be downloaded and printed out by the visitor to your site.

Take advantage of living someplace that people want to visit and give them an experience like a local.

Conclusion

Source:mybanktracker.com

There are going to be challenges to retiring in a foreign country, but luckily, Mexico has a lot of American retirees so the path has already been forged for you. If you’re up to some challenges, the rewards are much greater than if you chose to stay back home.

Impact of COVID-19 on Personal Injury Cases in 2020

When the first news appeared at the end of December last year about a new, mysterious virus from China, few people paid attention to it. Even in China, they did not consider it a serious threat. By the end of January, Wuhan was in complete isolation, but this was still considered a local concern of China, where epidemics occur more frequently than elsewhere in the world. How we were all wrong. By mid-March, the whole world had stopped.

Perhaps for the first time in human history, the entire planet was quarantined. The number of people infected with the coronavirus was so large that hospitals had no room for patients with other problems. The whole world economy has stopped. It was important to maintain a constant supply of food and medicine and it was mostly successful. But all other businesses have been partially or completely shut down, leading to a global financial crisis.

Source:weforum.org

There is no sector that has not been affected by coronavirus-related events. Person injury cases are no different. First of all, it slowed them down a lot because hospitals and courts handled only emergencies. But people are still getting hurt and now that life is slowly returning to normal, everyone is wondering how to proceed with person injury cases. We will do our best to give you the answers in this article.

Delay of medical examinations

We all know that in order to receive compensation for a personal injury, it is required to have all the necessary documents from the doctor. Only in this way will you be able to prove the degree of injury and how much it has affected your life and work. Without it, you will not receive any compensation or it will be a very small amount of money. But as we have already said in the introduction, during the coronavirus pandemic, many hospitals that were otherwise available to us became COVID-only. This created huge crowds at other hospitals that received patients who were not contagious. If your injuries were not life-threatening, you may have decided to go home and to see a doctor later.

This is a big mistake because it is necessary for him to examine you soon after the injuries occur in order to get maximum compensation. Also, many do not want to go to the hospital at all, for fear of becoming infected with the coronavirus. This is of course your right, but your personal injury claim will then not be successful. Our advice is to go to the doctor, and follow all the advice of the World Health Organization, such as wearing a mask and maintaining social distance.

Insurance companies are trying to reach a settlement as soon as possible

The financial crisis is also hitting insurance companies hard. Imagine how much money they had to pay to insured companies that suffered damage during a pandemic. Also, tourism has almost completely stopped, so the billions of people who pay for travel insurance every year have not done so now. And of course their shares on the stock market have lost significantly in value.

All this has brought insurance companies to the brink of bankruptcy. For this reason, they want to come to an agreement with you as soon as possible, in order to save money. They hope that you will jump to the first offer and that it will pay you significantly less than it is realistic. They also want to shorten the process as much as possible and not go to court at any cost. Don’t be naive and don’t fall for such attempts.

You need a lawyer more than ever

Source:fsalawfirm.com

If you want your personal injury claim to be successful, you need a lawyer. And that’s always the case, but now during a pandemic it’s more important than ever. For the very reasons we mentioned earlier, which are the attempts of insurance companies to reach a settlement as soon as possible, you need an experienced lawyer in this field, in order for the whole process to end in your favor. Due to the situation, your face-to-face meetings may be difficult, but this will not be a problem due to the possibility of video call and email for sending complete documentation.

Visit cunninghamandmears.com to see which personal injury services are offered by lawyers specializing in this area of ​​law. The lawyer has a lot of experience and will make sure to get the best amount possible for the settlement. And also the insurance company will know that since you have a lawyer, you are ready to go to court, which will deter them from trying to offer you an unrealistically low amount of money.

Mentally prepare for a long process

Source:firstlightlaw.com

It is a long process anyway, and now it will be even longer. The courts operate at reduced capacity and generally handle urgent matters, such as bail orders and the like. So if you get to court, expect a lot of shifting and postponing the hearing and everything else. Now the hearings have started via video conference, so the situation is improving. Still, know that there is a long and exhausting process ahead of you even without litigation. It is up to you to gather all the documentation, hire a lawyer and wait.

Employment problems

Due to the situation with COVID-19, there is a recession all over the world. For this reason, millions of people lose their jobs, and it is almost impossible to find a new job during this period. This will serve the opposing side to offer you less money, as it will challenge the claim that you could not work as a result of the injury. They will state that this is not the main reason, but problems with the labor market and that they would certainly not be able to find a job. However, insist that you have lost significant money due to inability to work as a result of the injury.

Conclusion:

The most important thing is to stay calm and follow the whole procedure. It is clear to you that we are currently living in something called the “new normality” and that is why everything is different than we are used to. But if you persevere, you will succeed.

Shift To The Suburbs: How COVID-19 Changed Real Estate Trends

At the start of 2020, real estate experts had a notion of what was up next. They’d identified a set of cities primed for real estate investments and made projections regarding sales trends. Then, COVID-19 struck and everything went sideways. The economy crashed, unemployment rates skyrocketed, and cities and towns across the United States shut down in an attempt to contain disease spread. From a public health perspective, it was a nightmare, but through the lens of real estate, things were not as disastrous as they might have seemed – especially in the suburbs.

Since the start of the COVID-19 pandemic, there have been several key factors that have come together to keep the real estate market moving – in particular, falling interest rates. That fact, in combination with the restrictive nature of living in a city during a pandemic, has served to fuel home sales and even bolster investments at a time when other businesses are struggling.

Source:oakleysoutlet.net

A Good Time To Buy

One of the most common steps the Federal Reserve takes when the economy is struggling is to decrease interest rates. This encourages lending and, as a result, spending that can boost consumer confidence and trigger a recovery. It’s no surprise, then, that when the pandemic began, the Fed actually pushed interest rates down to historic lows, with the result being a spike in suburban mortgage applications. Anyone familiar with the housing market knew they wouldn’t see rates like this again any time soon.

Source:foxbusiness.com

Of course, lowered interest rates can’t necessarily counter job losses, which is one reason why some people have been surprised by the real estate industry’s success at this time. For example, Houston has seen some of the most significant joblessness numbers in the country. This issue has primarily impacted renters, however, allowing people with secure jobs and sufficient income to take the leap and become homeowners, particularly by moving to the suburbs.

Greener Pastures

It’s not just low interest rates that have driven the increase in homeownership. After a decline in sales during the first few months of the pandemic, suburban purchases spiked as city dwellers – tired of being cooped up in overpriced, crowded apartments – decided it was time to decamp to greener pastures. In particular, urbanites with children felt like it was untenable to remain in the cities and, for those who weren’t so wealthy as to have vacation homes to retreat to, a move was the only option.

The likelihood that people would be working from home for the foreseeable future, and that children of all ages, including college students, could be attending school from home has also played a role in these relocations. Most apartments don’t have room for a home office – and certainly not multiple home offices. Buying property was a way of making room for a new way of life.

Katy: A Case Study

Many suburbs have seen a spike in home sales, but some have had a particularly sharp increase, Katy, Texas among them. Area experts cite several key reasons for this. First, even relative to other suburbs, Katy has an abundance of green spaces and outdoor amenities that make it possible for people to exercise, explore, and even socialize with minimal risk. The city is also close enough to Houston for people working in the city to commute post-pandemic, but Katy is comparatively affordable, whereas Houston is one of the most expensive cities in the US.

Another reason that Katy has done well as a relocation destination is that it had a rapidly growing job market pre-pandemic. Many of these jobs are in manufacturing, healthcare, and other stable industries, and a number of companies have signed commercial real estate contracts there, even since the start of the pandemic.

Job prospects in Katy may be good enough, taken in combination with low mortgage rates, to encourage investors to purchase residential properties in the area. Though this isn’t a great time for rental properties in general – many landlords are struggling to fill their vacancies – larger, suburban rentals do still have an advantage. In terms of space, these rentals are much more affordable, which could attract middle income tenants who aren’t ready to buy, without forcing them to spend more money.

Finally, investors can even ensure the stability of their properties by working with a property management company. According to Green Residential, which works with Katy-area owners, they provide rent default insurance to protect owners’ income, preventing financial shortfalls. Taken together, these trends suggest that, at least in the right areas, the pandemic can still create opportunities for homeownership and real estate investment.

Source:zenithre.com

The Big Picture View

Some suburbs may be thriving in the midst of the pandemic, but it’s important for anyone looking at real estate during this time to carefully research their chosen area, as pre-pandemic conditions, along with other local traits, are an important factor. Areas with lagging job markets pre-pandemic make poor investments, no matter how far home prices fall. And in some areas, suburban home prices aren’t falling – they’re actually rising.

Given the complexity of current economic and public health conditions, it may be helpful to reframe homeowners’ suburban flight as less the result of the pandemic proper, and more closely tied to homeowners’ reconsidering what they value. Cities have always been a status symbol and, for some, they always will be. For others, though, cities were little more than an expensive default, and the pandemic has allowed them to consider other options. Suddenly, open space seems more valuable than museums, room to stretch out more valuable than public transit.

We won’t fully understand the impact of the COVID-19 pandemic on the real estate market and overall residency trends for several years, at least until the economy finds its new normal. As more people face the reality that they’ll be working remotely at least part time for many years to come, though, the suburbs are likely to remain appealing. While some will always cling to cities, some former city dwellers now have a clearer view of what life could be like. And if that’s a choice between a small apartment in a city where disease can spread unchecked with great speed and a suburb where they can enjoy their family’s company – well, that’s not a choice at all.

What you Should do During the Social Distancing Time

Social distancing is one of the most important precautions to avoid the spread of COVID-19. At this point of time, gatherings and going outside for leisure purposes are prohibited in almost all parts of the world. We didn’t expect that the time will come when we’re not allowed to meet our friends, conduct parties and events, or simply eat outside with our loved ones.

Source:oecdonthelevel.com

Adjusting to the “new normal”

For most countries around the globe, COVID-19 infection rates are becoming rampant. Although scientists are rushing to develop vaccines and medications, there’s no guarantee that we can finally go back to our normal lives in the coming months. One thing for sure is we must learn how to live safely by adopting new measures.

Here are 10 things you can do to reduce stress during this time

Indeed, it seems like the world has stopped with all the things happening around us. However, we must always think on the positive side and look for ways on how to be more productive while we’re in this situation.

Can’t think of anything? Here are some safe and fresh ideas you can try:

1. Create a new routine that works best for you

Source:artofhealthyliving.com

COVID-19 pandemic has completely changed our daily lives. There’s nothing we can do about it but to adapt to this unfortunate situation while ensuring our safety. This big shift in our daily routine can make us feel uneasy for sure. That’s why you should develop a new routine that will help you cope with these drastic changes.

2. Keep your mental health in check

Source:mymcmedia.org

Now that everyone’s stuck at home, this sudden shift can be depressing and stressful for most of us, especially for those who are always outside due to work or leisure activities with friends. Not to mention that many people have lost their jobs and are now struggling to search for a new source of income. This adds to our fear and anxiety as we face a future that is full of uncertainties.

If your mental health is unstable or you feel hopeless, don’t hesitate to seek professional help. There are also free online seminars conducted by licensed psychologists. These initiatives can help you focus on how you can properly take care of your mental health.

3. Reach out to your loved ones regularly

There’s nothing more comforting than being together with our loved ones. Due to our limited movement, meeting with our friends and relatives might not be possible right now. Instead, we can take advantage of video calls, chats, and social media platforms to make us feel as if we’re beside them. Just a simple “Hi” or “How are you?” can uplift one’s mood and make a person happy.

4. Pick up an old or new hobby

Source:indianexpress.com

Is there a hobby that you’ve always wanted to try but doesn’t have the chance to do so? Now is the perfect time to start it! We can see a lot of people on social media trying out something new to overcome boredom. Some of them are also even going back to their old hobbies. Try to redeem your passion for reading books, playing board games, learning a new music instrument, or other activities you once loved.

5. Get started with online dating

Source:wannabemagazine.com

With people stuck at their homes, does it mean we’re not also allowed to find new love or meet potential partners? Definitely no! Thanks to communications technology, we can now reach out to other people no matter how far they are. Many love seekers are now using dating apps with hopes of finding a partner amidst the COVID-19 pandemic.

6. Use the dating platform that is perfect for your needs

Most individuals thought that installing and using multiple dating platforms will make their love search easier and faster. The truth is you simply need to have 1 or 2 apps containing all the features that suit your preferences.

If you’re new to online dating or you don’t want to go through these platforms one by one, Click Cupid provides you with highly detailed and honest reviews about various dating apps.

7. Learn new skills

Source:ultratechlife.com

We can acquire new skills even if we’re just at home. In fact, we have more time now to explore training opportunities. There are various ways to improve our current skill set and make ourselves more knowledgeable.

Almost everyone is working from home, so no one is stuck in traffic or spending extra hours in the office. We can take advantage of this situation for our own benefit by allocating more time to our personal development and career advancement.

8. Enroll in an online course

Source:lovecourse.info

There are many online courses available from trusted institutions and professionals. Some are free or require payment for you to get a certificate of completion. Do you want to learn more about personal finances, graphic designing, writing, and many more? Consider what fields or areas you are interested in and start browsing the long list of learning opportunities that await you!

9. Reflect on your inner self and develop new goals

Despite all the restrictions imposed upon us, we can turn this moment into an opportunity to get to know ourselves better and empower ourselves to reach new heights. Probably, you can invest your time in reading books about self-esteem and personal development then apply all the things you learned from these resources.

10. Keep your body healthy

Source:thebirdrockmassagestudio.com

This seems a no-brainer answer, but keeping our body in shape is the most important thing we should do right now. Gyms are closed and going outside is limited. However, these things shouldn’t stop us from getting the exercise we need. You can do a lot of basic activities inside your home with your families, such as lifting weights and sit-ups. If possible, you can also get equipment like a stationary bike that will make your exercise sessions more fun.

Let’s make this social distancing time worthwhile

We don’t know when we can go back to our normal lives and have the freedom once again to do all the things we want outside of our home. Nevertheless, what we can do at this time is to turn this situation into our advantage and enjoy the most out of it while we ensure our safety.

How Can 9/11 Victims Seek Assistance For Healthcare?

The survivors and first responders of the vicious 9/11 terrorist attack face lingering complications to this day.

While the attack happened almost two decades ago, the dangerous plume enveloping the surrounding area contained many carcinogens and harmful compounds. As a result, survivors and first responders developed various aerodigestive conditions and cancers.

In response to the needs of 9/11 survivors, the state of New York and support groups have created various resources like the World Trade Center Health Program (WTCHP) to meet them. This gives 9/11 victims funds for or direct access to healthcare.

Respected law group, Hansen & Rosasco, LLP, note that “qualifying members can have access to compassionate and high-quality treatment and care without having to pay any out-of-pocket expenses, including copayments or deductibles.”

As you can imagine, this provides physical and emotional relief to those who need it most. Fortunately, 9/11 victims have additional resources they can seek, which we’ll outline below.

World Trade Center Health Program (WTCHP)

The first resource is the World Trade Center Health Program (WTCHP).

Source:fyeye.org

The WTCHP exists to give the survivors of 9/11 an avenue for free medical treatment and monitoring. There are seven clinics throughout New York and New Jersey.

If you are located elsewhere, you can use the National Provider Network to seek free care at included clinics found all around the country.

Considering how expensive medical services are, the WTCHP is an excellent alternative for 9/11 survivors. The only catch is that you must satisfy the criteria for eligibility, which simply entails being a direct 9/11 survivor, 9/11 first responder, or 9/11 clean-up worker.

Once you have proved your eligibility to the WTCHP, you are registered for life. This will entitle you to their benefits, which include medical services directly aimed at 9/11-related cancers, aerodigestive conditions, and mental health disorders.

You do not need to have an active illness to register for the WTCHP and you are encouraged to register regardless to ensure coverage should any health complications related to 9/11 arise in the future.

September 11th Victim Compensation Fund (9/11 VCF)

Source:commons.wikimedia.org

Another critical source of assistance is the September 11th Victim Compensation Fund (9/11 VCF).

Many 9/11 victims are already aware of the WTCHP, but far fewer are taking advantage of the 9/11 VCF. This is a fund designated to compensate those impacted by the fateful attacks of September 11th.

For many survivors, 9/11 resulted in health conditions that affected their quality of life and ability to work. This created both economic and non-economic losses.

Non-economic losses are apparent in the form of the pain and suffering that 9/11 victims undeniably experienced. On the other hand, economic losses are the financial repercussions of the attack, namely medical bills and lost income.

The payouts from the 9/11 VCF can make a major difference for a survivor. Depending on the extent of your situation, you can receive several thousand or even millions in more severe cases.

Recently, the deadline for registering with the 9/11 VCF was extended to July 29th, 2021. Similar to the WTCHP, you do not need to have an active illness to register for the fund.

One thing to keep in mind is that registering for the 9/11 VCF is not the same as filing a claim with the 9/11 VCF. You can register and wait until a 9/11-related illness occurs before filing a claim. The deadline for filing a claim with the 9/11 VCF is in 2090.

Non-Profit Organizations

Various non-profit organizations can also be beneficial for 9/11 survivors.

Thousands of people were affected by September 11th and many organizations were created to help those that were impacted. These organizations vary in how they offer assistance, with some providing free healthcare to others offering financial assistance.

One of the most noteworthy non-profits for first responders is the Feal Good Foundation (FGF). The FGF helps increase awareness of 9/11-related illnesses, puts survivors in contact with health professionals, provides free healthcare, and even offers financial assistance.

There are also several scholarships available for the family members of 9/11 victims that have passed away. The financial impact of 9/11 persists for their children, who miss out on assistance by having a deceased parent.

In response to this, scholarships are available to help cover a significant expense and provide the opportunity to create a better future.

Many different non-profit organizations, scholarships, and help groups are available for the survivors of 9/11. Some have specific victims they intend to help, but there are surely many non-profit resources that you can benefit from regardless of how you were affected by 9/11.

Workers’ Compensation

Specifically for the volunteers and clean-up workers of 9/11, government help through workers’ compensation is also available.

The destruction of 9/11 was severe and required nearly a year to fully finish clean-up. The cleaning effort required countless hours of manpower and hard effort. Unfortunately, the area around Ground Zero was extremely toxic and this made many clean-up workers sick.

Considering that clean-up workers were affected while they were laboring, this entitles them to workers’ compensation. This is significant because workers’ compensation can help cover lost wages and medical expenses.

A final thing to note is that clean-up volunteers are eligible for workers’ compensation. While they were not technically employed, they were working for free and deserve the same benefits as someone who was being paid.

Closing Thoughts

Source:nytimes.com

9/11 victims will never forget the horrors of September 11th. It can be incredibly difficult to put the past behind you, especially when 9/11 resulted in several serious health conditions that affect survivors to this day.

While you may still be affected by 9/11, there are many resources you can turn to for help. This includes the World Trade Center Health Program (WTCHP), 9/11 Victim Compensation Fund (9/11 VCF), non-profit organizations like the Feal Good Foundation, and workers’ compensation.

You certainly didn’t deserve the outcome of 9/11, but you can make your life better by seeking the resources created specifically to help you. Take advantage of the groups mentioned above to receive some much-needed relief!

6 Ways a Criminal Record is Affecting Your Life

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Having a criminal record can make many things substantially hard to do. It puts various limitations on your life. Even if you have only one small offense on your back, it could still greatly impact you and your future.

Some of the things that having a criminal record will get you are obvious, but many of them might surprise you.  Did you know that you could potentially be restricted to travel or immigrate to other countries? That is just one of the many difficulties you could face after you finished serving your time.

Still, the most important thing is to be prepared for everything that awaits you if you get a criminal record and to be aware of your rights and ways to move on with your life. In this article, we will discuss all the possible hardships you could face as an ex-convict and the ways of dealing with them.

Searching for jobs

Image source: unsplash.com

One of the most important things you need to get your life in order after serving a sentence is to find a steady job. Unfortunately, being convicted of a crime could make this process a bit tricky. Your potential employers are allowed to do background checks, and being arrested in the past isn’t exactly a plus in their eyes. It would be hard for people to trust you when you had a troublesome past. You could even be banned from entering specific professions for the rest of your life. Those professions include nursing, bank employees, teachers, law enforcement, and more.

Your education, previous work experience, all of it can become useless when you have a criminal past. The job market is incredibly competitive as it is, and having a record could be a huge drawback. The only jobs you will be able to get will be underpaid jobs where competition is not that big.

Inability to travel

As we mentioned before, traveling as an ex-convict could be a bit difficult. Working abroad may even be impossible. Many countries do background checks and can deny you entry if you have a criminal record. Even if they let you enter, they will probably thoroughly search you or even interrogate you at the border, which would make traveling extremely uncomfortable and slow. If a border official does interrogate you be honest and answer every question truthfully and in detail.

Before you pack your bags and book your flight, do some research about the laws of the country you are traveling to. It could save you from wasting your money on nothing.

Access to foreign visas

Image source:the-wau.com

If you are arrested at a foreign country you can expect to be deported, and possibly denied entry for the rest of your life. This is extremely unfortunate if you started building a life in that country, as you will probably be banned to even enter it.

Other than that, acquiring foreign citizenship will now become close to impossible. Your dream of moving to a faraway country and starting over is something you can forget about.

Insurance

If you had a criminal past, getting insured becomes a bit more difficult. The first thing you should know is that you are legally required to disclose information on your criminal record. The insurance company is allowed to refuse to insure you,  or request a higher price for your insurance. Naturally, your offense has to be in some way connected to the subject of insurance.  If you were convicted a long time ago, and if your conviction has little to do with insurance policy, the insurer has no right to reject your claim.

Keep in mind that you’ll have to disclose all the risks that will come with insuring you. This is the most important thing in the whole process and it could save you from tons of complications. Be honest and know your rights.

Housing

Image source: unsplash.com

Homelessness in ex-convicts is a really big problem in the USA. This is mostly due to the fact that many landlords simply refuse to rent their places to ex-convicts. They are allowed to do background checks, and someone who has a criminal record is simply not a good candidate.  The best way is to actively look for landlords who offer their services to former prisoners, as there are many of them who were in the same situation themselves. Also, always make sure to be completely honest and upfront about your criminal past. Disclose it to your landlord before they get the chance to uncover it via a background check.

Other than that, people who were convicted in the past can be denied access to public housing. This depends on the nature of the conviction itself, as some more violent offenses can make you seem dangerous to other occupants living in the facility.

Custody

Custody battles are always a messy thing. The focus is, of course, finding out which parent will provide a better environment for the child. Having a criminal record, as you may expect, would be a huge red flag for a judge.

Finding a job, proper housing, and getting insurance are also important things to consider, as they affect your ability to provide for your child. As you’ll probably have difficulties with those, chances are you’ll lose the custody battle, no matter how great of a parent you are.

Can you get rid of your criminal record?

Image source: unsplash.com

The answer is yes, yes you can. It’s a complicated process, and mostly depends on the nature of your crime, but it’s possible. This is a great way to start anew and move on from your past actions.

The most important thing is to check if you’re eligible for an expunction or not. Do some research on your state laws to find more information. Additionally, a good idea is to seek professional advice, since many things do depend on the details of your case. There are many different ways to learn more about the expungement process. For example, RecordPurge has a great eligibility test you can use.

This may be the best way to truly move on from your past, but be sure to inform yourself properly and ask for professional advice so you don’t end up wasting time and money for no purpose.

What You Should Do With An Invention Idea But No Money

You have a lot of ideas, you are a good innovator, you have been informed and realized that the world can benefit from your innovations. However, you can’t start because you don’t have enough money. What to do in such a situation? Don’t despair, because a solution exists. We will try to give you an answer to the question: What should you do with an invention idea but no money?

Inventors And Their Works

Source:thoughtco.com

Mankind has always strived to know the laws of nature that surround us. We wanted to tame and use the forces of nature for our benefit, thus trying to improve our lives through the millennia. Known and unknown people are responsible for the knowledge we have – and for the opportunities that are provided to us today. Learning, researching, and enabling the application of new knowledge will never stop – because the human race is by nature curious, diligent, resourceful, and intelligent.

Everything that has ever been produced in the world has been invented, designed, refined, and improved by countless people. They have brought their knowledge, effort, and commitment into their work – which is why many great inventors and innovators have indebted humanity. But all that wouldn’t have happened if they did not have someone next to them who believed in them and their invention.

Inventions Require Investing

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There are significant differences between inventors and innovators. That difference is reflected in the fact that the inventor prefers independent work to create something completely new that will solve complex problems in the future – while the innovator more often strives for teamwork to create sustainable problem-solving work. customers by improving existing products and services.

Creating an invention requires scientific skills – while creating an innovation requires combining different skills such as technical and marketing. This, of course, requires money and investment. But what to do when there is none?

You Have An Invention Idea, But No Money?

When we talk about investing in inventions, we don’t just mean the money that sometimes needs to be invested in the invention process itself. In fact, some of the demanding inventions have required certain operating conditions, testing, and other forms of assistance that inventors sometimes so desperately need. However, this is only one aspect of the work on the invention.

Such endeavors are most often accepted by patrons who are enthusiastic and willing to invest their money in something they believe will succeed. On the other hand, even when you complete the work on your invention – further work is still ahead of you because your invention must be patented and pass various types of controls before it is officially approved.

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Protection Of Intellectual Property

In the 18th century, intellectual property rights in the field of technical and artistic creation – began to be legally recognized. Today, intellectual property is divided into industrial property and copyright and related rights. Protection of innovation is necessary for the innovator to have the exclusive right to use and dispose of the innovation – and to prevent interested competitors from using it illegally.

A patent is a way of protecting a new solution to a technical problem, industrial design protects the new appearance of the product – as well as the brand. There are also copyright and related rights which apply to the protection of works in the artistic and scientific fields. For many inventors, finding investment is key to directing their ideas and creating them in the right way. This is why you need to look at the investment and how you can secure it from the start of the business.

You Have An Invention, And Professionals Have A Solution

When it comes to inventions and patenting – you must have the advice or help of those more experienced than you. It is quite certain that you cannot complete the entire patenting and protection procedure on your own without the help of experts in various fields – from law to marketing.

So it’s a pretty good suggestion to find it all in one place. How? Fortunately, today there are companies like Invent Help – that can make it possible for you – you can learn more about it here. When you contact them, you can be sure that they will take over part of your responsibilities in legal, marketing, etc. – and then you will be more relaxed and able to dedicate yourself to what is your primary focus, and that is invention. Such companies offer you their practical services in the field of consulting – but also concrete solutions to issues such as patenting, legal protection, or later placement of your invention.

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Help Is Necessary

When dealing with an invention, you must have people around you who will help you in professional management. These are things that are not directly related to the invention, but its future placement. This will significantly relieve you from stress, allowing you to work further on your invention – making it better and more adaptable. So, try to be practical and give your trust to a reliable company that will be your best ally in the fight for success. It often happens that the experts of such companies point out some shortcomings or omissions in the working process. Therefore you have a better chance for your invention to break into the market. Remember that two heads are always smarter than one.

Find A Way For People To Hear About You

Marketing and promotion are also an integral part of this business. Your invention is your product – and every product has a purpose. Therefore, marketing is a very important component in the work of inventors. The basic way to start – is to promote through your website. This way, you will influence the improvement of your promotion. Not only does it matter here that people know the mere fact that you are an innovator – but you have to intrigue them further. Given today’s rapid sharing of information, you can expect people to share news about you if they are intrigued by your work. Also, this is a great way to reach new investors who would be willing to invest in your project. Therefore, try to be practical – even though creativity is something that makes up the biggest part of your job.

4 Common Myths About Famous Inventors

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For years, people have been inventing and creating new machines, devices, and processes in production. Many of the ideas contributed to making this world a better place to live, but some did not have that luck, nor did their inventors become millionaires overnight. Moreover, there are those inventors who were not responsible for the inventions attributed to them. What are these common myths about famous Inventors? We will list some of them.

Myths Of Invention

Searching the history of the invention, you will find extensive documentation that stretches from the moment the first press was invented – to the expansion of the Internet. As so many myths and stories are related to certain inventions, it is interesting to read about some of them – especially those that contain something more than dry facts. Many inventions were humorous, some were serious – but even inventions that were not at all successful do not have to be considered complete failures. Moreover, each of them shows the desire of people to improve their living conditions. The list of inventions includes cars, aspirins, chewing gum, but also the story of computer mice. We will try to reach some truths and break some common myths when it comes to science and invention.

Stealing Inventions

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For some of the most important inventions in history – the credit has long been attributed to people who are not quite credited for their discoveries. A telescope, plane, and radio are just some of them. The people associated with the most important inventions of mankind become famous in the history of science and technology. But many people who made important discoveries before the formal inventors – remained in the shadows for various reasons. These merits were recognized only later, and for some of them, almost no one even knows. Therefore, it is important to protect the invention, that is – to have a patent.

Protection Of The Invention

The idea should be protected even before it reaches the patent office. Therefore, expert companies such as Invent Help deal with the problem of patent legal protection at the global level. According to Jpost.com, inexperienced inventors often present to lawyers the entire project they want to patent, which does not provide any flexibility during the registration process and prevents the inventor from making minor alterations that can improve product performance. Patent protection is important because it prevents the unauthorized use, production, and sale of a particular product. No less important is the name of the product. Therefore, people from specialized companies like this will conduct market research and gather information on whether there is a product with a similar name that would create confusion. It will then analyze how potential consumers react to the new product. Investing in such research is not small, but it mostly pays off, and it also protects the inventor from various inconveniences.

Common Myths About Famous Inventors

If they knew how to protect their inventions, some of these people might not have a headache – as was the case in these few examples.

1. War Of The Currents

The so-called current war, the conflict over the adoption of alternating current or direct current, was not truly a conflict between Thomas Edison and Nikola Tesla. Tesla was not involved in this war that actually happened was between Edison and George Westinghouse – for whom Tesla just worked at the time of his inventions of alternating current. Even though the alternating current was more popular in Europe – North American cities have already invested in direct current systems, and there was an inventive tradition that relied on direct current. After Edison perfected the first practical electric light bulb – the need for a national switch to electricity became apparent. As Edison had numerous patents on direct current, he would have made a fortune if electric dams had been built on it.

One of Tesla’s first jobs was for Edison. Tesla was given the task of improving Edison’s system to make it more efficient. Tesla did this by completely rejecting Edison’s design – so Edison would have to give up his patent and accept Tesla’s design. This was unacceptable to Edison for practical reasons, so they parted ways. Edison continued to consider Tesla brilliant but stubborn, while Tesla spread the story that Edison had deceived him. They split up during the mid-1880s, and Tesla decided to start his own company, Tesla Electric Light & Manufacturing – which he financed even with occasional manual labor.

2. Thomas Edison The Inventor Of The Light bulb?!

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Do we need to call Edison the inventor of light bulbs? Even though he played a key role in the development of a commercially successful light bulb – he didn’t design it. Careful research leads us to 1809 when the Englishman Humphrey Davy made an arched lamp. Some ten years later, Warren de la Roux made the first sealed light bulb – and in 1840, William Robert Grou lit up the whole room with lamps. Unfortunately, the products were very expensive, short-lived. 8 scientists and 3 patents later – Edison developed one of these inventions to get a longer-lasting, cheaper product. And we all know the rest of the story.

3. The First Phone

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We’ve all heard the story of Alexander Graham Bell, the man who first invented the telephone and used it to call someone for the first time in human history – his secretary, Mr. Watson. However, the first functional phone was actually invented 15 years before that famous event, and it was invented by Philipp Reis, a German inventor. The first real telephone was called the Reis Telephone and was first shown in 1861. Reis The phone could transmit musical tones quite clearly, and human voices a little worse. There is no doubt at all that Reis was responsible for the first transmission of the human voice over a wire, a full fifteen years before the invention of the man who received all the glory.

4. Flight Of The Plane – The Fall Of The True Inventor

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The Wilbur brothers and four-year-old Orville Wright are pioneers of aviation. Their enormous contribution to the development of aviation is that in 1903 they were the first to construct a motorized aircraft called the Flyer I and officially became the first people to fly a plane. Their venture was officially declared the first controlled and continuous flight by a vehicle heavier than air. However, when the construction of the Wright brothers’ first motor aircraft is mentioned, few mention the man-inventor who made the first airplane engine. Charlie Taylor, an American mechanic, and inventor was actually working for the Wright brothers who had a bicycle repair shop.

Although Charlie was primarily employed to repair bicycles – his mechanical skills have not gone unnoticed. When it came to constructing an engine for the Flyer – two brothers hired him to do this job. He designed and constructed a water-cooled aluminum and copper engine in just six weeks. The Flyer project needed an engine with at least eight horsepower – but Taylor constructed had 12 horsepower. He continued working for the Wright brothers on engine maintenance until the 1920s.

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