Simple DIYs You Should Do This Week

The seasons are changing and winter is slowly approaching. Although this year has felt largely like a blur to many of us, the end is almost nigh and we will be hearing Christmas music before we know it. 

Autumn is a great chance for us to prepare our home for winter, and there are many different ways that we can do this.

Today we are going to take a look at some of the DIY jobs you can do around the house this year to make the most of your house in winter. 

Seal the windows 

The first easy job you can do this week around the house is seal your windows. The cold season is rapidly approaching and soon we will be fighting to stay warm and cosy.

To ensure that we can stay warm all winter we need to ensure that the sealant around our window frames is solid. Over time sealant can crack and rot away, so a fresh coat will make all the difference and keep your house warm all winter long. 

Repaint your doors 

Gloss paint is an underrated part of the house, and it can make a bigger impact than you may think to your home. Over time, a once beautifully white piece of gloss paint will become darker and more cream and yellow. This can make the rooms of your home look drab and dull.

Repainting your doors and skirting boards with white gloss paint is a simple DIY to do in your house this winter, and it will mean if you come to sell in the future, your single house will stand out from the crowd. Be aware that gloss paint takes a long time to dry so pick your moments! 

Freshen up the walls 

As well as refreshing the glosswork around the house, you could benefit from giving your walls a spruce up. You can easily spruce up the walls of your house with a new colour on the feature wall of your living room and your bedroom.

As well as this, consider painting over any white or neutral shade you have to brighten it up and make it look brand new. Painting your home won’t take too long and it will just make the space look and feel brand new. 

Consider new carpet 

One of the best DIY jobs you could consider doing before winter is to replace your carpets. Most of us have the same carpet for years on end and never think to replace it; but over time with scratches, traffic, and spills – a once beautiful carpet can look old and musty.

Breathe new life into your living space this winter with a new fluffy carpet, and enjoy a cosy and warm atmosphere for the whole winter. A new carpet really can make a room. 

Refresh the kitchen cupboards 

Our kitchen really comes into its own during the cold season. From making tasty sweet treats to hosting parties and cooking Christmas dinner there are many ways to utilise this room in winter.

Because we will be using the kitchen so much during winter, it is important for us to make the most of the space and refresh it now and again. One simple way to do this is to paint and refresh the kitchen cupboards.

Whether you have wooden or vinyl cupboard doors – you can add a fresh lick of paint or even get a fresh vinyl sheet to place over. A fresh new white or a burst of bright colour can make all the difference to your kitchen. 

Install a new shower 

Your shower is a commodity that will feel more like a treat during winter – and now is a great time to treat yourself even more. A new shower can be a great way to spend your hard earned cash this year, and it will ensure that you are able to enjoy a warm wash at the end of a cold miserable day.

There are plenty of stylish showers you can invest in such as a waterfall shower which will add a modern and contemporary feel to your whole house. 

simple diys

Tidy the garden 

If you have a garden, autumn is a good time to head outside and get tidying. After summer has passed, many plants will die off and become dormant for the winter and this is a great time to get rid of ruffage.

There will be a lot of dead wood, leaves, and other debris in your garden at the moment, and once you clear this out you’ll be able to get rid of unwanted plants, make space for new winter blooms, and look forward to a fresh garden ready for spring. 

Organise your pantry 

We all know how easy it can be to hoard food in our kitchen cupboards and forget about it. If you are looking for a simple house job to do this week that won’t take too long, organising your pantry should be your number one priority.

Take the time to go through all of the food you have in your pantry and get rid of things that are out of date. If you also have things that you simply won’t eat, you can save these to one side and donate them to a food bank.

Once you have cleared your pantry be sure to clean the cupboard and then put everything back. Consider saving coffee jars for your sugar, teabags, and different types of flour and dried goods! 

Clear out clutter 

It is only natural that living in the same house for a long time will allow us to accumulate a lot of items, but now and again we need to clear out the clutter and only keep what we really need.

Take some time this week to go through every room of your house and clear out the items you no longer need. You could sell old clothes or furniture on Shpock, take things to your local recycling plant, or give to charity.

Once you have got rid of clutter you can start looking at new ways to organise your things and ways to decorate your house! 

21 Tips For Entrepreneurs Looking To Launch Their Business In 2021

Let’s face it; 2020 has been an immensely difficult year for us all. However, it has probably taught you that life is too short not to follow your dreams. Likewise, it has highlighted that your current job probably isn’t quite as secure as you once thought. Those realizations, combined with the start of a new year, make it the perfect time to start thinking about creating your own business.

Still, with the economy in its current state, only the best approach will deliver winning results. The following tips will keep you on the path to success.

#1. Take A Modern Approach To Staffing

Employees are the greatest assets at your disposal. However, they can be a major expense and you might not need them all the time. Freelancers and temporary contractors are key additions. It makes staffing admin a lot easier too.

#2. Facilitate Better Communication

Assembling a strong team or permanent and temporary employees is one thing. Getting the most out of them is another. Communication and collaboration are vital. Therefore, you should invest in team messaging Apps and cloud computing.

#3. Encourage Autonomy

It’s tempting to take charge of every aspect. In reality, though, you’ve hired people for their expertise, and your attempts to micromanage everything could stop them. Allow them to show their talent, not least because it aids time efficiency.

It’s tempting to take charge of every aspect. In reality, though, you’ve hired people for their expertise, and your attempts to micromanage everything could stop them. Allow them to show their talent, not least because it aids time efficiency.

modern workspace

#4. Opt For A Modern Workspace

In addition to a modern workforce, you should choose a modern workspace. The obvious temporary office space benefits make it a fantastic solution. Meanwhile, shared spaces and pop-up stores are upgrades on traditional ideas.

#5. Allow For Remote Working

While a winning workspace is crucial for most operations, some can survive as home-based companies. Even those that can’t can reduce the pressure for huge spaces by taking this approach. Enable some of your staff to do it.

#6. Price Check Everything

Wasted money is one of the worst problems that new SMEs can face. Thankfully, you can limit this issue right away by getting into the habit of price comparing. Cheap utilities, materials, and business expenses will remove the pressure to sell as many units.

#7. Outsource Where Possible

Managing your capital in an efficient manner is pivotal. Outsourcing jobs like packing and delivery allows you to remove some of the pressure in those early phases of running the business. You must grab those opportunities with both hands.

#8. Get Online

In today’s climate, your business needs a great website and partnerships with sites like Amazon. Not only is it a great marketing tool, but it opens your door to a far wider audience. In the era of social distancing, this is more crucial than ever.

In today’s climate, your business needs a great website and partnerships with sites like Amazon. Not only is it a great marketing tool, but it opens your door to a far wider audience. In the era of social distancing, this is more crucial than ever.

influencer marketing

#9. Use Influencer Marketing

Good ad campaigns are important, but modern audiences are smart. They would much rather hear the thoughts of other people. Therefore, the power of social media influencers is something you must embrace. It can take your game to new levels.

#10. Leverage Success From Customers

Popular personalities can aid your marketing endeavors. However, you should also learn to utilize your clients to win new ones. Affiliate marketing schemes and client testimonials can seriously influence prospective customers. 

#11. Build A Personal Brand

Consumers want to purchase goods from brands that they like. A little insight into your brand personality through social media is ideal. Going green and supporting worthy causes and political issues can also help.

#12. Research The Competition

When starting a business, you will naturally want to focus on your innovations. Still, you must remember that clients will go elsewhere if you do not keep them satisfied. Market research should be a regular presence.

#13. Always Manage Your Finances

The importance of expenditure control has already been mentioned. In truth, financial management should extend to all aspects of the venture. Moreover, it should be an ongoing task, which is why accounting software can be a key feature.

#14. Invest In Client Care

Customer care is one of the most commonly overlooked features. However, it is statistically far easier to retain a client than win new ones. A combination of fair returns policies, clear contact details, and a genuine desire to help will serve you well.

set achievable goals

#15. Set Achievable Goals

Momentum plays a key role in modern business. Therefore, you should learn to set small and regular milestones that can be easily achieved. When you do, the winning mentality and habit of success will lead you to greatness.

#16. Instill Life Balance

The whole purpose of starting a business is to improve your life. Do not forget it. Take the time to keep your health and wellness in great condition. Without balance, you won’t enjoy either part of your life. What a waste that would be.

#17. Master SEO

When looking at marketing campaigns, there are many options at your disposal. Search engines like Google still deliver the most traffic and leads. Thanks to local searches and voice searches, it’ll boost offline interest too.

#18. Avoid Unnecessary Costs

Getting value for money on necessary expenses gives you a good platform. Most companies are also guilty of wasting money on unnecessary features. Whether it’s trading travel for video conferencing or losing a service, those savings make all the difference.

#19. Be Prepared For Change

The world of business is constantly evolving. You must be ready to do the same. From using new tools and work methods to meeting new audience needs, the right moves pay dividends. A responsive business should avoid the threat of becoming stale.

#20. Trust Your Instincts

Research is important. Still, nobody knows the business better than you. At times, it’s best to simply trust your gut. If something seems too good to be true, it probably is. Conversely, an idea that seems destined for success should deliver results as long as you work hard.

#21. Be Authentic

Finally, whatever you do, be sure to do it your way. When you are passionate about the business, it will shine through to influence employees and clients alike. Besides, it will get you through the difficult moments of the first year.

What Happens When You Save $1,000 Per Month For Ten Years?

Albert Einstein once famously quipped that compound interest was the most potent force in the world.

And, just as with most things, he was right. Unlike other forces, compounding works exponentially, and ad infinitum.

Once you put money away, it never stops growing. And as it grows, the amount you add to your wealth each year increases.

A small annual gain of $1,000, can balloon to more than $50,000 after ten years of consistent effort. 

To the average person, the idea that you could make $50,000 per year merely saving money seems pretty far-fetched.

That’s like replacing one person’s entire annual income without having to do any actual work.

But when you do the maths, that’s what you find. You really can create a viable passive income with consistent savings and a conservative investment strategy.

You don’t have to take huge risks. The only requirement is that you’re in it for the long-term. 

The authors of dividend investing books will often talk about the importance of consistency when investing.

Ultimately, that’s the aim of the game. If you want to get the pot of gold at the end of the rainbow, you have to be willing to do what others aren’t: forgo current income for more money in the future.

It’s a tough ask, but one that allows you to get the best that life has to offer in the future. 

Passive Income From Saving $1,000 Per Month For Ten Years

Let’s say that you commit to investing $1,000 per month for ten years. What can you expect your life to look like? 

If the market returns 8 percent, you can expect to make around $13,000 per year in interest income alone by the end of that period – and that’s if you start from scratch. If you get an inheritance of $100,000, interest payments balloon to an expected $28,800 per year. 

And the numbers keep on climbing. Suppose you keep saving for another ten years. In that case, annual passive income going into your accounts hits $76,000 – more than most households earn per year. 

Is It Feasible? 

But is saving that kind of money realistic? Can the average household do it?

Well, it very much depends on your circumstances. But the trick is to live below your means and enjoy it. If you don’t learn to love living with less, you’ll feel like you’re serving a life sentence. 

If, however, you can become comfortable with the idea, then suddenly, it feels like a good thing. You begin to enjoy saving, knowing that you’re building a stable and secure financial future.

That in itself can be a reward – as is the satisfaction of knowing you achieved it. 

Saving money is a tough gig, but the payoffs are tremendous. Do it for long enough, and you will often get to the stage where your ability to generate passive income outruns your capacity to spend it.

You’ll spend a long time getting there if you take the conventional route. But get there, you will!

Amputation After Accident: Dealing With Financial Implications

Serious car accidents lead to catastrophic injuries, which have adverse consequences such as permanent disabilities and amputation. 

When something as disconcerting as amputation occurs, the impact goes beyond physical pain and suffering. 

There can be massive financial setbacks that stay with you for a lifetime. To start with, you will need to spend a massive sum on treatment and rehabilitation to become independent. 

Moreover, you cannot expect to get back to work normally, particularly if the nature of your job depends mainly on your mobility.

Also, there is a lot of mental anguish that you and your family will have to deal with. Flashbacks to the accidents may scare you and the sight of the loved one without a limb is not easy for the family to bear. 

At the same time, lost income is bound to cause stress and anxiety for everyone. Dealing with the financial implications of amputation is a big challenge but this is something you will have to manage to get your life back on track. 

Here are some facts that you need to know and understand about dealing with such a situation.

Assessment of financial losses caused by amputation

When you have an accident, there is always a financial loss. You can well imagine the extent of these losses if something as serious as amputation happens. 

Although it may not be possible to assess the value of a lost limb, you still have to calculate the financial losses caused by the event. 

Fortunately, the law comes with a system to facilitate this assessment to a reasonable degree of accuracy. 

Typically, the loss caused by amputation includes the cost of surgery, medical bills, replacement limbs or prosthetics, and rehabilitation. 

Further, it also adds up the loss of earning after the event because you will probably not be able to work normally after losing a limb.

The cost of adaptation of your living space and car can also be included in the losses caused by the amputation.

Understanding the factors that affect compensation value

Although the law has some guidelines related to the calculation of financial losses caused by amputation, you can never be too sure about the compensation value. 

There isn’t a one-size-fits-all method for calculating it; rather you will have to consider certain factors while doing so. 

These include the type of amputation (whether traumatic or surgical), the injury that necessitated the amputation, your age and gender, and the level of pain, long term prognosis, and trauma it has led to.

Ideally, you should seek the advice of an expert accident lawyer to calculate the compensation value that you should rightfully get.

amputation after accident

Filing a claim for amputation compensation 

Life after facing an amputation is never the same. If you go through such a drastic event due to an accident caused by someone else’s negligence, you deserve to be compensated. 

The compensation should be enough to cover your financial losses as well as physical suffering and mental trauma. 

The best thing to do would be to hire a skilled car accident attorney who can help you with an accurate assessment of the compensation value and also secure what is rightfully yours. 

Since such cases involve high-value claims, you can expect the other side to try everything possible to avoid compensating you fairly. 

But with an expert handling your case, the process of securing your claim may get easier and quicker.

Restoring the quality of life after amputation 

Apart from the financial implications of amputation, it has a far-reaching impact on the quality of life of the victim. It is hard to say if you will ever be able to restore the full quality of life after losing a limb. 

However, getting your rightful compensation can make some difference in this context. Since you will need physical and occupational therapies, compensation can help. 

Also, there could be future surgeries and rehabilitation in the store, which you will be able to manage with the claim. 

Additionally, your family will be financially sorted even if you lose your job or earning capacity. To add to everything, you are in a better state of mind with compensation that secures you and your family on the financial front at least. 

Coping with amputation is not easy but when something this tragic happens, you have no choices. 

The only thing that gives solace in such a situation is that you can claim lawful compensation if injured due to the negligence of the other driver. 

Thankfully, a legal expert can help you get a claim value that can get your finances back on track after such a catastrophe. 

Coping With Wrongful Death Of Your Spouse: How To Recuperate Financially

Losing your spouse can be the most painful experience, particularly when it happens because of a mishap caused by someone else’s negligence. 

In such situations, the family ends up suffering from financial consequences along with grief. 

As the surviving spouse, you may suddenly find yourself struggling with money, particularly if the dead partner was a sole or major contributor. 

Things can get tougher if you have dependents to look after and money seems to be running out. 

Apart from coping with the grief of the loss, you will have to make efforts to recuperate financially. 

While recovering from the loss can be a humongous task, here are some things that can help you get your finances on track.

Assess your current financial position 

When you are still in shock or grieving, managing finances may be the last thing on your mind. 

In fact, it is easy to be overwhelmed by the sheer number and complexity of financial matters to be settled in the weeks or months after the spouse’s death. But this is where you have to start. 

There will be some tasks that require immediate attention, specifically an assessment of your current financial position would be mandatory. 

The best thing to do is to organize records and paperwork so that you may determine your assets, liabilities, and income potential for the future. Seek the assistance of professional advisers to get things sorted out.

File a compensation claim

Once you have a clear view of things after the initial shock is over, you would want to make sure that the person responsible for the death of your partner is punished. 

The next step would be to look for an attorney who can help you file a wrongful death case to get you justice and fair compensation. 

The lawsuit serves as a tangible step to bring your finances back on track by getting the compensation you deserve. 

At the same time, you will want the responsible person to pay for their actions. Such cases are complex and require the right evidence and arguments. 

So it makes sense to find a seasoned attorney who is capable of getting you a favorable verdict.

Plan for the future

The loss of your partner is nothing short of a major blow but life has to go on. If you have a family to take care of, financial planning does not remain a choice. 

You will need to cover the basics, from retitling assets to debt management, estate closure, and filing a final tax return on the behalf of the deceased spouse. 

These steps are important to start with a clean slate and move ahead with rebuilding your finances. 

Additionally, you will also have to take the appropriate steps to claim death benefits through annuities, life insurance policies, and Social Security benefits. 

Finding alternative sources of income is equally important because you will have to manage finances alone. 

Finding a job if you are not working is a good idea. Consider investing the compensation and death benefits to get a regular income stream.

Dealing with financials may not seem like an easy thing to do when you lose your spouse unexpectedly. 

But this is something you cannot ignore- rather, the sooner you get things sorted out, the better it is.

Manage Your Money Like a Millionaire

When you’re looking for advice or inspiration, it’s always good to seek it from people who have already achieved your goals.

If you want to find ways to manage your money more effectively and grow your capital, who better to ask than a millionaire?

To give yourself the kickstart your need, take a look at these top tips and start managing your money like a millionaire today.

Get Out of Debt

Millionaires know that unmanageable debt is a road to ruin. Why pay high-interest rates and finance charges when you don’t have to?

There are plenty of debt strategies to help you achieve financial freedom but be sure to find out if they’ve worked for other people before you forge ahead. See www.DTSS.us Blogspot reviews to discover if the Debt to Success system can work for you, for example.

With so many debt relief options out there, paying off your debts needn’t be as difficult as you think.

Start Investing

Investing your money enables you to increase your capital and even generate short-term income.

By choosing the level of risk you’re comfortable with, you can make a surprising amount over a relatively short period of time.

However, it is important to take the time to fully understand your investment options before you move forward.

High reward investment opportunities typically carry a high risk, so only take the plunge if you can afford to lose your initial investment.

There are plenty of low and medium risk options, however, so you can still invest successfully, even if you don’t want to wager with high-risk opportunities.

Get On The Property Ladder

Buying a home, rather than renting, means you’ll have something to show for your investment once you’ve paid off your mortgage.

What’s more – getting on the property ladder can be a great way to invest your cash.

You don’t have to buy a property outright in order to generate money from it.

Joint property purchases enable you to invest in bricks and mortar with reduced capital but still give you the chance to increase your funds over time.

Live Below Your Means

If you think that millionaires spend money constantly, think again.

Wealthy people can be fairly frugal, so don’t get caught up in living a luxury lifestyle if you want to hold on to your funds.

Living below your means ensures you’ll have extra funds to invest, which can increase your capital in the long run.

While there are some purchases that can enhance your finances, such as property, others will quickly deplete your capital.

Consult a Financial Adviser

Millionaires rarely manage their own finances. Instead, they rely on teams of advisers, planners, accountants, and lawyers.

By getting advice from professionals, you can make the best decisions for your finances and your own personal circumstances.  

Increase Your Capital and Secure Your Financial Future

Managing your money like a millionaire can put you on the road to financial freedom.

With the right approach to your finances, you can ensure you remain free from debt and build your capital over time.

By doing so, you’ll consistently increase your wealth and enjoy a secure financial future.

 

Investing In Gold: What Are Your Options?

There’s gold in them ‘thar hills! Well, that’s the saying, anyway. But if you want to invest in gold, you will be pleased to know that you don’t have to go digging for it. Well, not unless you want to. 

Is It Worth Investing In Gold? 

Well, as another addition to your investment portfolio, we would have to say yes.

Financial experts suggest this is one investment type that is free from the effects of inflation, so you have less need to worry about gold losing its value.

Gold also provides greater returns than some other financial assets, so it’s certainly an option when trying to build your wealth.

What are your options?

There are three main options when investing in gold.

  • Gold exchange trading funds
  • Gold coins
  • Mining stocks

Gold Exchange Trading Funds

This is a common way to invest in gold, as you can buy and sell through a discount broker. Gold ETF’s are handled like traditional stocks, so you won’t actually own the gold that is being traded.

Rather than receiving gold after redeeming your ETF, you will be rewarded with the cash equivalent.

While this might be a blow to you if you had dreams of owning gold for real, you should at least be thankful that you won’t have that risk of being it stolen.

There is more information on Gold ETF’s here.

Gold Coins

If you want to own gold, then investing in gold coins is the way to go.

Unfortunately, you are unlikely to find somebody selling gold coins on the high street, but there are a number of websites online where buying gold coins is possible.

However, you do need to be careful. Not every site is reputable, and you could get ripped off, so it’s important to do your homework before purchasing. 

When buying, you have a choice between collector’s coins, which sell at a high premium, and bullion coins which are less expensive.

Buy according to your budget, but be sure to store your coins in a safe for security.

Be careful how you handle your coins too, as you want to avoid damaging them.

Thankfully, as answered in the article Does gold tarnish over time, the risk of damage is minimized when buying coins, but you should still adhere to the advice given. 

After purchasing, you then need to sell your gold coins for a profit. You need to do this when the value of gold is rising, so it pays to bide your time.

There is more information here if this type of investment appeals to you. 

Mining Stocks

These are investments in companies that mine for precious metals.

If you are already familiar with stock investments, you will have the groundwork needed to start investing in this way.

You might also opt for silver, platinum, or other precious metals when you invest in mining stocks, so you might want to diversify your portfolio.

This beginner’s guide to mining stocks will tell you all you need to know.

What Option Is Right For You?

We can’t answer that, but as we suggested above, you might want to diversify your portfolio and go for all three.

Commit to further research online, and speak to a financial planner for expert investment advice. 

4 Key Elements for People That Want a Career Change

A career change is something that requires an incredible amount of work and patience.

It’s something that people find is impossible once they’ve become reliant on their main source of income and are invested in their current place of employment.

However, with the right circumstances and mindset, it’s relatively easy to make a complete change to your life.

In this post, we’ll be taking a look at four key elements for people that want a career change.

  1. Inspiration

Staying inspired can prove to be a challenge, especially when it comes to making a big career switch.

Fortunately, it’s something that you can acquire relatively easily. One of the best ways to seek inspiration is to actually get out there and network.

This could be attending more parties with friends to meet new people, it can mean watching new YouTube channels to learn more about the world, or it could mean getting on social media and looking for sources of inspiration.

Staying motivated is a challenge, but when you’re surrounded by positive people, you’ll find that it can be much easier to shoot for success.

  1. Time

Time is an essential component for those that want a career change.

Many people stop here and think that they’ve already used up a lot of their time on another career path.

They believe they’ve invested too much into their current job and so they don’t want to make the switch.

Fortunately, time is a relative element. In reality, it doesn’t matter if you’ve already spent years of your life studying for and achieving a career that you want to switch from.

Time is all about making time for your new life. It’s about freeing up time by avoiding distractions and optimizing the things you do in your life. Every minute we idle is another minute wasted.

If you want to make a huge change to your life, you need to find ways to cut out time-wasting activities and focus on things that can improve you.

  1. Education

There are a number of different ways that you can study while you work.

For instance, online study through universities such KUO can teach you anything from engineering management to business administration while you work your regular job.

Being able to study in your own time is a huge benefit since it can teach you essential skills while you make money that goes towards paying for your course and an eventual switch to a new career path.

  1. Support

Lastly, switching your career isn’t something that you can achieve alone once you’ve heavily invested in something.

It requires support from friends and family members, especially as a source of inspiration and motivation to keep you going.

This is especially true for a career path that isn’t easily defined, such as entrepreneurship or freelancing.

Career changes can involve the people around you, such as your family who depend on your income for their wellbeing.

By having support from these important people in your life, you’ll find it much easier to make the change you want to achieve.

5 Top Tips For Driving on a Budget

As modes of transport go, driving is far from the most cost-effective.

Firstly you have to fork out a great deal of money for your car, and then you need to insure it and pay tax.

Once it’s up and running, you have the continual fuel costs to contend with, as well as the inevitable services and repairs.

If you’re looking to save money, you might be better off with a bike and a public transport pass.

However, driving is unavoidable for some people. Particularly if you regularly travel across the country or you live in a rural area.

And the costs rack up over time. But there’s good news.

If you want to stretch your finances a little bit further, there are several ways to reduce your driving expenses.

Through careful planning, sensible driving, and acquiring a few skills, you can learn how to drive on a budget.

Be more fuel-efficient

Fuel is the highest running cost of owning a car. If you have to drive to and from work each day, you could be looking at expenses in the thousands.

But by being smart about the way you drive, you can reduce the amount of fuel you use on any journey.

By driving more fuel-efficiently, you’ll lower your costs, improve road safety, and reduce wear and tear on your car.

Here are a few ways to be more fuel-efficient.

  • Accelerate gently
  • Maintain a steady speed
  • Anticipate traffic
  • Don’t speed
  • Coast to decelerate rather than braking (if safe to do so)
  • Turn your engine off rather than idling in traffic
  • Keep your tires inflated to the correct pressure
  • Don’t carry unnecessary weight

Find the cheapest fuel

The cost of gas can vary from place to place, so it’s not a good idea to always fuel up at the same spot.

Check out the prices at gas stations in your area while driving and note any significant drops in cost. This would be a good time to refill your tank.

Drive safely

The better you drive, the less you will end up paying.

Getting into an accident will not only endanger yourself and other road users, but it will probably raise your insurance premiums.

Poor driving and inconsiderate parking are also likely to lead to a traffic ticket and a hefty fine.

Drive safely and carefully, and everyone on the road will benefit.

If you receive a traffic ticket for an offense you didn’t commit, you can always contest it using a site such as GetDismissed.

Clean your car yourself

When you can draw pictures in the dust on your car, it’s probably time for a clean. But you can save yourself a few dollars by doing it yourself.

All you need is some water, soap and a sponge. Over time, these savings will add up.

Learn to do repairs

When your car starts to malfunction, your instinct is generally to take it into a mechanic.

But in some cases, you may be able to fix the problem yourself. Don’t be too hasty to spend a lot of money on an easy repair.

Search the issue online, and you might find a YouTube video telling you how to solve it.

Car Accidents During A Business Trip: Understanding The Liability

Road mishaps can happen anytime and anywhere, whether you are running personal errands or are on a business trip. 

Generally, the driver at fault is considered liable for damages in an accident, but that’s the case when you are out for personal work. 

Things can get tricky if the collision occurs while you are driving for work or using a company vehicle. 

The biggest question in such cases relates to liability- whether the employer has full, partial or no liability for the accident. 

And you would also want to know if the injuries can be regarded as work injuries. 

The answers to these key questions go a long way in deciding the fate of the employee who has been injured or has ended up injuring someone else during the accident. 

Let us explain the concept of liability in collisions during business trips in detail. 

When Is The Employer Liable?

The following are the basic considerations when it comes to determining the liability of the employer for an accident that happens on a business trip.

  • Employer negligence

In such cases, the negligence of the employer is clearly the cause of the mishap. 

It could range from negligent hiring to negligent supervision, more specifically in case of commercial vehicle drivers. 

When a business onboards a person for driving a company vehicle, it is the employer’s duty to exercise due diligence for ensuring that the employee is a safe driver. 

They need to go the extra mile, with measures like verification of the commercial driver’s license being in good standing and ensuring that it has not been suspended before.

  • Negligent supervision

The business has to implement reasonable safety policies for making sure that all the drivers on board comply with safety laws. 

These laws include the ones for regulating truckers’ hours, vehicle inspections, and more. 

If the employer fails to check that the employees are taking reasonable care, the former will be liable for negligent supervision.

  • Vicarious liability

The doctrine of vicarious liability states that the liability for the employee’s actions rests with the employer if these actions were within the scope of employment, performed while working or doing a task they were hired to do and/or the employer earns some benefit from the activity being done by the employee while the accident took place. 

This case applies to people who are just running errands for business or are on a business trip.

When Is The Employee Liable?

Although the rule of vicarious liability is clearly applicable in some cases, there are certain exceptions as well. 

As an employee, you may be considered liable for an accident if it happened while you were doing personal work, even if it took place while driving a company vehicle or during work hours. 

Also, the liability will be of the employee if they were committing a crime when the accident occurred. 

Further, employers are not considered liable for mishaps during employees’ commute to work, even if it is in a company vehicle. 

However, an accident while commuting for a business trip is an exception.

accident at work

Injuries during a business trip and workers’ compensation

The liability for an accident for a business trip decides the person who would be responsible for paying for damages to the injured party. 

However, you would want to know the implications of your own injuries as well. 

Typically, if you get injured in a car accident during a business trip, your employer will have to pay for the costs of these injuries, regardless of the fault for the accident. 

These damages are covered under workers’ compensation and may include expenses such as the medical bills for injuries and lost wages due to absence from the workplace during recovery. 

As a rule, only the injuries that are work-related come under the coverage of workers’ compensation. 

So you will have to validate that you were doing a work-related task when the accident happened.

Involvement of a third-party driver

In yet another situation, a third-party may be involved in the accident. 

If you are due to the negligence of a third-party driver while on a business trip, there are two potential avenues for pursuing compensation. 

While you may claim workers’ compensation benefits for a mishap that happened on a work trip, you may also file a personal injury lawsuit for compensation from the negligent driver. 

Workers’ compensation generally covers bills and lost wages but not the cost of pain and suffering related damages. 

The latter can be recovered by bringing up a lawsuit against the negligent driver. By pursuing both, you can actually maximize the value of compensation.

When it comes to car accidents during business trips, awareness is the key for employees looking for protection against the law as well as a fair settlement for their own injuries. 

It is best to seek guidance from an experienced lawyer to ensure that you get both.