4 Legal Documents You Should Know About

There are a variety of legal documents that currently exist, some of which are easy to identify. However, the mention of most of these documents may come as a surprise to many. It’s important for all citizens to comply with all legal expectation required by the government.

Legal documents serve the imperative role of protecting your loved ones, personal property, assets and most importantly, the legacy you leave behind.

Here are 4 legal documents you should know about:

  • A will

The will is a crucial legal document that every individual needs to create. It lists all your assets and stipulates who gets each of your personal property. It’s best to create your will using the appropriate legal channels. Therefore, consult your attorney prior to commencing. Having a well-written will helps to secure the future of your kids and also allows you to distribute your property as you wish. If you own a prime estate, you should indicate who administers it after you’re gone (the executor). This ensures that the estate is handled by a responsible individual.

  • Social security card

The U.S. government requires all American citizens to have a social security card. Some scenarios in which you might need this card including applying for a job, opening a bank account and utilizing a credit card. You will certainly require to fill Form ss-5 when applying for your unique social security card. When filling this form, it’s important to consider your circumstances – some fill it because their social security card was stolen/lost while others fill it because they were recently married. But whichever the case, you must provide some key information when filling form ss-5. This includes your citizenship status, name and date of birth.

  • Medical Directive

This popular legal document is also called a living will. It explains the sort of care you desire to receive should you fall ill or become incapacitated. It can either be specific or wide-ranging, depending on your own preferences. Living wills normally define medical issues such as life-sustaining treatments. This document is extremely important because it dictates how health professionals should proceed should you fall terribly and lack the ability to communicate. You might be currently healthy, but our bodies degenerate as we age. We are also prone to accidents and unfavorable incidents that may leave us in terrible states. That’s why it’s crucial to have a succinct medical directive.

  • Revocable living trust

Wealth comes with its distinct set of complications. In a few cases, children forcibly take over the property and estates of their parents, much to the chagrin of the latter. A revocable living trust is a critical legal document that helps prevent such scenarios from happening. It secures your parents’ control and management of their estates, allowing them to transfer assets to beneficiaries as they deem fit. Simply put, parents become the executors of those property, estates and assets that they own. This revocable living trust effectively circumvents estate probates when their owners pass away.

These 4 legal documents will certainly come in handy at one point or another, so act hastily to avoid ruffling the feathers of law enforcers.

5 Tips to using a Mini Excavator

The number of people buying mini-excavators are increasing thus increasing the need to know how to use it effectively. The reason as to why excavators are increasing in number is because they have found different project and they have been customized for different projects. The other reason as to why you need to know how to use your mini excavator is the way that you use it will determine the productivity of the mini excavator and the lifetime value that it offers. Here are 5 useful tips that you need to have when using the mini excavator.

  1. Read the Safety manual

This is the most important thing that any user needs to do. The first step before using a mini-excavator is to read the safety manual. This is because the operator safety needs to be paramount. The safety tips which are universal include; maintaining the right weight, not working when the excavator is raised and making sure that the user has the right gear.

  1. Carry out pre-start check

After reading the manual the next thing which should follow, is to carry out the pre start checks. This includes making sure that the indicator lights and gauge light are working properly. Another check is to make sure that the seatbelt is present and working. One should never operate a mini excavator without having their seat belt on. Make sure that no one else is in the excavator and that you read all the warnings stickers which are posted on the excavator.

  1. Movement

When the mini-excavator is in operation and moving it’s important to make sure that the mini excavator tracks are in a straight line. The machine needs to be steer in a straight line as much as possible and when a change in direction is required the it should be done gradually and not abruptly. In movement on terrain the movement should be slow and the movement in an inclined area needs to be up or down and not diagonally as this can cause the mini-excavator to trip.

  1.    Digging/Excavating

Before the mini-excavator can start digging it’s important to make sure that the ground is level. The importance of level ground is that it increases the stability of the min-excavator and makes the works much easier. During excavation the mini-excavator should not be placed too close to the edge as the more you work the more the ground becomes unstable and may topple the machine.

  1.    Shutting down

After work the mini-excavator has to be shut down, there are few things which must be observed when shutting down the mini excavator. The machine has to be on a level ground and the blade and the bucket needs to be lowered to the ground. The RPM needs to be set to low and then the engine switched off and not the other way round. The operator should make sure that whether alighting or getting on the excavator they maintain three point of contact for their safety.

Creative Ways to Make More Money on the Side

Regardless of how much money you earn during a standard month, and how successful you are in your chosen career, there will be periods during everyone’s life where they wish they had a little extra cash lining their pockets. Perhaps you are saving for a dream vacation and at the glacial pace at which your holiday fund is growing.

It feels as though you won’t be able to afford it until retirement age! In an ideal world, it would be as straightforward as simply asking our bosses for extra overtime or an advance on our paycheck but in reality, that isn’t always an option. If you’re interested in making money on the side, keep reading:

Teach English Online

No prior experience as a Teacher you say? No problem! Over the course of the past decade, the demand for ESL Teachers (English as a second language) has soared. With more and more young people across the globe realizing the importance of learning English and the benefits that this could have on their professional careers, there is also more and more demand for English teachers. With regards to people relocating overseas, and those that teach online from anywhere. The specific requirements vary depending on the company in question, however for many online English Teacher opportunities there are no formal teaching qualification requirements. Having a TEFL or a similar teaching certificate is beneficial but not necessarily a prerequisite.

Most of the students using these websites are based in Far East countries such as China, Japan and South Korea and they want to improve their spoken English and pronunciation skills by practicing with a native speaker. This could be a perfect side hustle because essentially you are just getting paid to enjoy chatting with people about their hobbies and interests, rather than anything too strenuous. You may even make a new friend in the process!

Sell Your Unwanted Items

Okay so you don’t have to go around pawning all of your worldly possessions just to make a quick buck, however you may be surprised by how much value you have laying around the house in things that you aren’t using. For example, remember when you went through that fashion phase when you thought that clunky heavy gold jewelry looked incredible yet those items have been tucked away in a box ever since for the past four years?

If you don’t intend to wear an item of clothing or piece of jewelry again then it is doing no good just collecting dust. There are many dedicated websites where you can sell off your old items – from sites dedicated to clothing, to those dedicated to electronics, CDs and DVDs and even books. You can also look into Truval in New York if you’re wanting to sell your old jewelry. Sure it’s not a long term option, but you can make a few hundred dollars this way for sure.

Remote Working

Virtually any professional skill that can be done while working in an office can also be done remotely. Perhaps you have experience as an administrative assistant, or you built a successful career in international marketing. More than likely you will be able to find additional work to occupy your evenings and weekends through freelance platforms such as Upwork, Freelancer, Fiverr, and any number of other similar platforms, or through marketing agencies.

Social Media Management

Do you consider yourself as having a knack for writing captions on your Facebook and Instagram that have your friends either feeling incredibly inspired, or cracking up in fits of laughter? Perhaps you could be well suited for a sideline in social media management! The beauty of this line of work is that it does not require oodles of background experience or any formal qualifications.

All that you will need to demonstrate is that you have an understanding of how to create compelling content for social media that encourages likes, clicks, and shares. If you have experience as a Blogger, or you have grown something of a following yourself then that is just an added benefit. There are many companies, brands and large scale blogs that search for someone to assist them in this manner so there is no shortage of opportunities available here.

Freelance Writing

Have a passion about a particular niche and a good grasp of grammar and written English? Then you could find plenty of opportunities available to you in freelance writing. When people think of paid work as a freelance writer, their minds immediately conjure up ideas of having to enter an extremely competitive market to write for leading publications and magazines however that isn’t necessarily the case.

Plenty of companies look for writers to contribute to their blog sections or to produce written website content and the pay for writing services can be quite good, especially if you have expertise in niche areas such as real estate or business and economics. To find paid opportunities as a writer, you can simply reach out to marketing agencies online and in your area, or browse the job boards on online freelancer platforms.

Rest assured, there are plenty of viable options available for making a little cash on the side which don’t involve resorting to pawning all of your worldly possessions, or busking on the street for coins! Keep these tips in mind if you’re looking to make extra money, and find which option works best for you.

4 Tips to Getting a Duplicate Social Security Card

All American residents require a social security card. It features your social security number and thus it’s important to keep it safe. With the number, you aren’t just able to process your personal records, but also financial records, including collecting your social security benefits. Therefore, losing or misplacing your social security card is cause for alarm.

If you’ve lost your card, you need to get a duplicate social security card. Here are the four tips to getting a copy of your social security card if you lose it:

Top 4 Tips to Replacing a Social Security Card

  1. Report the Stolen or Lost Card

Report the stolen or lost social security card to the social security office the moment you realize it’s no longer under your possession. The Internal Revenue Service office also needs to receive a report on the stolen card to ensure nobody uses it fraudulently to file taxes. Contact the Federal Trade Commission Consumer Information website to report the theft.

The other office you need to contact is the Internet Crime Complaint Center to help ensure nobody apart from you gets to use your card.

  1. Print Form SS-5

After downloading the social security form SS-5 from the website of the US Social Security Administration, print it to apply for a copy of your lost or stolen social security card. Since the form is a PDF file, you need to ensure that Adobe Acrobat Reader is installed on your computer to enable you to open the file. Available on the Adobe website, simply download the form for free.

  1. Fill the Downloaded Form SS-5

After downloading the SS-5 form available as a PDF file, you need to fill it with your personal details as prompted.

  1. Provide Proof of Identity & Immigration Status or Citizenship

Proof of your citizenship or legal immigrant status is required to get a duplicate social security card after losing the original one. US citizens can produce a US passport, US birth certificate, certificate of citizenship, US birth consular report or certificate of naturalization to prove their citizenship.

If you’re an immigrant, provide your immigration documents to get your card replaced. A work permit card issued by the Homeland Security Department or Form I-551, I-94 with a current foreign passport is the only acceptable document for immigrants. The documents can either be certified copies or originals, but not notarized copies or photocopies. They are often mailed back.

An identity card issued by the state, a driver’s license or a US passport is an acceptable document for identity proof. In case these documents aren’t available, an adoption decree, marriage certificate, employee identification card, a life insurance policy, a school ID or a US military ID is acceptable.

The documents must feature your recent photo, identifying information, and full names to be acceptable. They must also be current with up-to-date information.


When done filling the application form and have the documents ready, find a social security office near you for submission. Submit your application via mail, online or in person and wait for your replacement social security card to arrive through mail. If you’re busy and work on a tight schedule, you can use third party services to replace your lost or stolen card.

However, if you want to save money and get a duplicate card free of charge, make the application on your own. The forms are available for free download online.

Visit https://www.application-filing-service.com/socialsecuritycard/change-name-on-social-security-card/ to help you apply for a duplicate social security card

Making Health Insurance Work for You

5 ways to optimize your insurance while minimizing your costs

Health insurance in the United States is currently in disarray. When the Republicans won the White House and started changing aspects of the law, Obamacare had already run into unforeseen difficulties making it harder for many people to get insurance.

This uncertainty, layered on top of the problems already existent with Obamacare has created a great deal of confusion amongst the consumers. Although health insurance is still mandated, the market has become volatile.


It would take an expert in health insurance to figure it all out, which I am certainly not, but there are a few ways to ensure you have the best coverage for you and your family:

  1. Talk to an expert. Seriously, the advice and tips you get online are a good base, but it is impossible for a generic online article to account for all your personal variables. Every state has different requirements and rules and, as a consequence, the overarching framework of Obamacare became a muddled mess of laws, guidelines and requirements. There was a reason that the government trained people in setting up healthcare accounts when the law went active.
  2. Balance your needs with your means. If your policy has a $10,000 deductible to make it affordable, you probably have the wrong policy. Keeping it cheap while you are healthy by increasing the deductible to lower the monthly costs means that if and when you do get sick and need insurance, you will be paying a lot of money out of your pocket.
  3. Don’t dismiss any options. Medicaid is under something of a cloud right now, especially with doctors trying to collect from it, but it is better than nothing if you can’t afford health insurance or there are no providers in your state. Having some coverage will make it easier for you to see a doctor and minimize problems with emergency room or urgent care visits.
  4. Explore other options. With the current health insurance mess, other options have been appearing. As the health insurance crisis in the United States continues, these options will expand and alternative methods of healthcare will come into focus. With the government not enforcing the penalty for non-compliance, it is possible – although not advisable – to skip getting health care at all.
  5. Even if you don’t have health care, make sure your kids do. As an adult, you can decide to opt out of health care, but children don’t have that option. While figuring out how to maximize your insurance results you want to check out child only health insurance quotes online. Keeping your child covered is an expense you must be able to afford.

There is simply no telling what health insurance is going to look like in a year. Obamacare is unsustainable, the new Senate health bill hasn’t been voted on yet, but it will add to the confusion instead of subtracting from it. It is not in government’s nature to simplify any process.

Ensuring that you and your family are covered, whether that coverage is good or simply adequate, will help you ride through the process. Next year, it may change completely and everyone will have to start over. Other than reading tea leaves, there is just no way to tell.

Money Saving Habits for 2017

We all want to have more money to spend each year. With these easy money saving habits you can have more money to spend on the things you enjoy throughout 2017.

Discount Voucher Sites

Before making a purchase online it is always worth checking the various voucher sites out there. It is a good habit to get into as they could save you upwards of 10% on a purchase you would have made anyway. Some vouchers can mean that you could get ‘buy one get one free’ or other such special offers. Even if there aren’t any savings to be made this time, then it’s still good to check because you want to get into the habit of checking. Often these sites offer a mailing list which notify you about popular vouchers so you don’t miss out.

Take Advantage of Sign-up Offers

When you go to purchase something from a website for the first time then sometimes you can find that they have special welcome offers for first time customers. This can apply to supermarkets or other retailers who offer money off for your first home delivery, or if you enjoy playing games, lots of the free to play mobile games offer special purchases that are only available to new players. If you are a fan of online casinos then make sure you take full advantage of any sign-up bonuses on sites like Lucky Nugget Casino give up to 175%. This means you can enjoy the popular card game blackjack or other online casino games for less.

Cashback Websites

As well as checking for vouchers and sign-up offers it is worth visiting cashback websites. These give you a percentage of each purchase back and while it is often a small amount each time, it can add up quickly. Lots of websites are signed up with these types of sites and many of them offer friend bonuses. These bonuses mean that if you get your friends to join, then you also earn a specific amount. If you ensure you use sites like TopCashback throughout the year, then you will soon find that a little becomes a lot.


Through getting into the habit of checking these various websites and taking full advantage of sign-up and welcome bonuses you could find that you have more money to spend throughout the year. None of these are get rich quick strategies, but are instead good habits for saving money on purchases you would make anyway.

What are Some Common Misconceptions?

canstockphoto3169247If you’re looking to have a poker themed night in your new, open-plan social designed kitchen, then there are a few things that you will need to consider. Firstly, looking at how you can design your kitchen into the style of a casino, or at least so it can fit a good amount of your friends in with enough room to really enjoy your time and still move around quite freely is important. Open plan is always the best bet if you’re looking to host a party or a themed blackjack night. Whether you want to reorganise your kitchen layout or simply create a comfortable area for your guests to enjoy during your themed night, it is important that you know the ins and outs of the night that you are hosting, and the rules of the game that goes with it. Because of this, we’ve put some common misconceptions of blackjack together, so you can truly design your kitchen for the night to suit those who may have a few superstitions about the game.

Bad Players Can Decrease Your Advantage

If you’re inviting a few players round to your home, then looking at some of the Blackjack Myths that are around the game is going to be important, so you can create the right atmosphere and layout. One of the biggest ones that could affect your friends’ enjoyment is that bad players are said to decrease the advantage of those that are good at the game. If you know that you have a few veteran blackjack players visiting your home for your blackjack night, as well as some that haven’t ever played before, then may need to be aware that your guests might want separate tables because they believe that the amateur players are going to affect their game. While this is a complete myth, as the game of blackjack is solely about you and the dealer, you’re going to need to ensure that your guests are happy with the way their night is going.

Assuming A Dealer Always Has A 10 In The Hole

If you are designing your kitchen into a casino-like atmosphere, then you’re going to probably need to hire some professional dealers or have someone who knows the ins and outs of the rules of blackjack to act as the dealer for all of your games. One of the biggest misconceptions about blackjack, is that players will assume a dealer always has a 10 in the hole, when actually 69% of the time, the dealer will have another value in the hole.

Never Hit A 12 Against A Dealer’s 2 Upcard Or You Will Draw A 10 And Bust

Another of the more common misconceptions that people will believe is that they will draw a 10 when they hit a 12 against a dealers’ 2 or 3. While the percentage and chances of winning is actually very slim either way, it is actually better to hit, as you will lose 63% of the time, and if you stand you will lose 65% of the time. If you’re guests ask during your blackjack night, then you can let them know that it’s always better to have that slight winning advantage against the dealer.