Braving the Storm: 4 Steps to Handling a Medical Emergency

More than 7 million people find themselves in Australia’s hospital emergency departments each year based on a recent report from the Australian Institute of Health and Welfare. These visits stem from a wide range of issues, some of the most common being vehicle accidents, on-the-job injuries, heart attacks and complications from long-running health conditions. While hospital staff members are trained to handle these situations, the average citizen isn’t typically equipped to deal with sudden and urgent medical needs.

How to Handle a Medical Emergency

When it comes to health scares, panic tends to be most people’s first reaction. This is especially true if a close friend or family member is the victim. Responses like these often come from a fear of the unknown combined with a natural surge in adrenaline, and they rarely generate positive outcomes. With a few simple measures, you can be more prepared for a medical emergency.

1) Know What to Look out for

Sudden medical issues come in a number of forms; of course, not all of them are truly emergencies. According to a recently published breakdown of the situation, certain problems are clear indications of the need for immediate medical attention.

A severe headache, extreme weakness, numbness, vision difficulties, dizziness, confusion, and trouble speaking could all be symptoms of issues or injuries of the brain. Chest and/or arm pain accompanied by weakness, lightheadedness, and shortness of breath may be warning signs of heart-related problems. Emphysema, COPD, chronic asthma attacks and anaphylactic allergic reactions are characterized by respiratory distress and potential loss of consciousness.

All these situations as well as choking and severe bleeding are considered serious emergencies. They should always be tended to promptly by qualified medical personnel.

2) Call for Help

Anytime someone appears to be in need of medical assistance, it’s better to be safe than sorry. This rule of thumb applies whether a complete stranger collapses before your eyes at the supermarket or a family member chokes on a bit of food at the dinner table. Never be afraid to enlist assistance. As noted in a related health guide, dialing 1234 will place you in touch with an operator who can offer help, and local police department numbers should be kept on speed dial just in case. To contact an ambulance dispatcher, dial 000.

3) Learn the Basics

Ambulances aren’t always just a few seconds away, and every moment is critical in an emergency scenario. Being able to jump in and offer assistance on your own is a valuable asset. Consider taking an emergency response course to learn how to handle choking, stop or slow serious bleeding, administer CPR and operate an AED among other basic procedures. These classes are readily available at a number of educational facilities, and some of them are offered at low or no cost to those interested.

4) Consider the Financial Aspects

Emergencies come at a price from a number of angles. Though getting medical attention as quickly as possible is crucial in times of need, the financial aspect can’t be ignored. Insurance doesn’t necessarily cover everything, and it can be a bit out of budget’s reach for many.

Analysts recommend having at least a few hundred dollars set aside for unexpected expenses; of course, we all know that isn’t always possible. When you or someone in your household faces an emergency or even a less critical medical need, you may need to get cash instantly or as quickly as humanly possible. Loans are available for just such instances.

Conclusion

Although it’s virtually impossible to be prepared for every sudden and immediate medical need, these four points can certainly help. Knowing how to determine whether a situation is a true emergency, who to turn to for medical and financial assistance and how to productively step in on your own is incredibly empowering. More importantly, these elements can help save lives.

Why You Need to Prepare Yourself for Financial Emergencies

Life is full of surprises and sometimes those surprises are expensive. You don’t want to get caught unawares by a pricey problem that pops up out of the blue, especially if you’re waiting for your next paycheck to come in. The best solution that people can have tucked in their back pockets is an emergency fund, so they can deal with these complications right away.

 What is an emergency fund?

An emergency fund is a must-have for people looking to have economic stability and security — experts rate it as one of the most important financial accounts people need to have in their lives. The reason why emergency money should be separated from a checking account is that you will be tempted to dip into it. Keeping the funds in a different space will make sure that they stay untouched, until the right circumstances arrive.

 How do you get started?

Industry experts also advise that people only use bank accounts or physical bills for this type of fund. Relying on investments in the stock market can be risky and result in a major disappointment when you’re looking for financial support. You want to have a fund that is reliable and that you can withdraw at a moment’s notice, so you can deal with a serious situation the second that it happens.

 The ideal amount you should have saved up in an emergency fund depends on your income and your living expenses. It’s recommended that you have enough to cover between three to six months of those specific expenses. Some people may find achieving this end-goal to be very difficult in a short amount of time. If this is true for you, just work on putting as much as you can manage so that the account isn’t completely empty.

Anyone who wants to build an emergency fund should let people in their social circle know they are trying to reach a new financial goal — this lets friends and family members know that you need them to give you support, not to entice you into spending. This way they won’t pester you to come out for a round of drinks or head to a restaurant opening. When you have everyone on your side, you’re less likely to sabotage your budgeting plans.

 What qualifies as an emergency?

You don’t need to dip into the fund for home repairs that can be placed on the to-do list for a few months or for shopping spree that was higher than expected. The fund is for situations that require immediate attention and when there is nothing in your other accounts that can make the payments.

One of the biggest financial emergencies that people has to do with their health — maybe they had to take an unexpected trip in an ambulance or they need to get prescription medicine that their health insurance won’t cover. A one-time accident that results in a broken arm can lead to more than two thousand dollars in hospital bills.

Here are some other examples of emergency situations that the fund would qualify for:

  • Your car won’t start
  • Your pet needs emergency veterinary surgery
  • You have overdue bills for essential services
  • Your basement flooded
  • Your water heater broke down

What can you do if you don’t have a fund?

You may not have a fund that you can dip into when one of the previously mentioned emergencies happens to you. Or you could have just started saving up for one, but you have a tiny number in the account that can’t cover a fraction of your payment. If you are worried about what to do when you need cash in a hurry and you don’t seem to have any savings or credit that you can access straightaway, there are solutions out there.

An online installment loan could be the quick fix that can get you through a distressing dilemma. After your application gets approved, you can use the money for your issue and then repay it over time in convenient amounts. A company like MoneyKey allows you to apply online, so that you can go through the swift process on your computer at home or on your smartphone. It’s always difficult to tackle an emergency expense, but this solution can make it a little easier for you.

You could be fortunate enough to have a car that always runs, a house that never falls into disrepair and a clean bill of health. It’s possible to avoid major conflicts and financial obstacles in the future. However, you should never bet too much on luck to keep you afloat — having a fully-stocked emergency fund will be the perfect safety-net in case the worst happens.

4 Benefits to Buying a Sea Pine Villa

Whether you are looking for a place to invest, spend the holidays with your family and friends or live, consider buying a sea pine villa. There might be several options, but getting a good place to live or to invest can be a challenge, especially if there are specific things that you are looking for.  However, a sea pine villa might be the ideal home, whether for holiday or living purposes since it is versatile. Here are four benefits of buying a sea pine villa.

Multiple amenities

Most sea pine villas come with a wide variety of amenities where you can engage in different activities and enjoy different sports such as parasailing, kayaking, or just enjoy a boat ride on your own or with family and friends among other relaxing activities.

The various amenities provide a calm, splendid place where you can spend time with your family. You can also take walks, bike rides or just explore the beautiful landscape. Within the vicinity of most sea pine villas, you will find several stores and shops like cafes, harbors, bakeries where you can shop or explore.

A wide range of housing options

There is a wide range of housing options in Sea pine where you can enjoy viewing some of the finest, sandy beaches and lagoons. Even if you do not want to live in a villa, you can get a condo, lot or a home for sale that suits your needs.

Beautiful environment

Nothing feels good like a relaxing, clean atmosphere. Most sea pine villas have a clear view of the sea, providing exclusive scenery and experience.  The splendid view of the horizon gives you a glimpse of the sunrise and sunsets where you can enjoy watching the sun rise and set in the horizon. With a fresh, breath of the sea breeze this can enhance your day making you feel energized and refreshed.

When you buy a sea pine villa, nights out become your most desirable moments. You can enjoy an evening or a walk by the beach while enjoying the fresh air by the sea. In general, the whole environment is not only good for a living, but the climate also provides a great place to spend your vacation away from a busy life.

Safe and friendly community

The sea pine villas reside in one of the most beautiful and quiet suburbs with clean, fresh air all around you. The residential life in a sea pine villa is safe and the community is great. The villas, condos, and homes are all built to meet every person’s need and you don’t have to worry or stress about your safety.

A sea pine villa is not only the best option but it will offer you a splendid, extraordinary experience with a unique and wonderful life. It will give you an opportunity to enjoy life at its fullest.

Even though most sea pine villas are costly due to high demand, you can choose from a wide range of homes, condos and lots of the sea pines villas for sale available depending on your budget. Locate the most valuable sea pine villa and have a splendid time living by the sea enjoying a calm, stress-free lifestyle with your loved ones.

4 Ways to Manage your Finances as You Age

Between managing your work, your social life, your education, and your other commitments, achieving financial stability can be difficult especially when you have little to no financial knowledge. It is always important to start managing your finances yourself, from an early age to secure the life of not just yourself, but also your loved ones.

The next question that pop’s to my mind is, how do we do that? Handling everything together can be stressful. Responsible equity release is what you should be looking for.

The 4 Easy Ways to Manage Your Finances

Here are a few simple tips to help manage your funds well and lead life stressfree in the future.

  1.    Track your Expenses and Incomes

Budgeting is the key. We have always learned from our teachers in school to keep a track on what we expend and sources to earn profits at an early stage. Apply this in your life early, and you don’t have to worry during tough times in the future.

  • Spend on things that you feel are necessary.
  • Always have a list of things you need to purchase and stick to it.
  • Do not buy anything on impulse as you are bound to overspend.
  • Small stuff like overspending on gifts could make a huge difference.
  • Track your income sources by investing in mutual funds and schemes that you feel are legit.
  • If possible, work two jobs from an early age. It will help you get an additional source of income which you can enjoy in the later stages of life.
  1.    Invest

Who said that you need to be a financial guru to undertake investments? You can do it yourself as well. All you need in a little advice and tons of research and to find ways and means that are less risky, to avoid getting into a financial risk as you age.

One of the safest ways to invest is to purchase Government backed bonds or shares. These help you to spend, without having to worry about the volatility in the markets. Choose something that is ideal and optimal, a choice that is made by most others.

  1.    Keep a Note of Your Credit card Signups

In the early stages of our career, we tend to subscribe to several credit card companies to avails benefits such as rewards or credit points. As you age, this might turn out to be stressful. Keeping track of how much you spend from each of your credit and then having to pay all those bills could be cumbersome.

Maintain a proper system and try to cut down on the number of credit cards you own. Keep a track on the amount you spend and see to it that you do not exceed the limit which is pre-defined. Starting at an early stage will help you to maintain a peaceful life later on.

  1.    Set up a Retirement Fund

Setting up a retirement fund is what you need to look for in the longer run. It helps you to stop worrying about your source of income, once you have retired. Invest in a diversified fund. The amount that you invest in this fund will be diversified among different securities and stocks and will give you good returns. Plan your retirement well!

5 Reasons to Invest in Seo Services For Your Property

SEO is not only necessary for your property, but also an integral part of your business. Without an online presence, you cannot tap into the growing online market. You will find most of your customers online. A client might even insist on Googling your company before doing business with you. The idea is that the online market is growing at a very high rate and your business needs to be among the online giants. Here are five reasons to invest in SEO for your property.

  • SEO is an Asset. People spend most of their time on their smartphones. They might be texting someone, or they could be researching on home improvement ideas, or eyeing new running shoes. The mobile technology has evolved how people interact with the internet. The technology has affected how and when people search for goods and services, they need. People are likely to use Google when waiting for a doctor appointment, lining for coffee, or riding in a vehicle. Given this increased usage, people are likely to visit business sites and buy products online as a direct result of good SEO.

 

  • Conversions. Owning a website that is fully functional on smartphones is compulsory in the current world. However, you need to make sure that the site is visible. When Google ranks your site at the top, people are pre-sold on working with you. Results that are at or near the top of the rankings are often assumed to be authorities in the field of expertise. Potential clients are likely to trust the top-ranked website. To appear among the top ranks requires that you have a good SEO. A good SEO needs you to have excellent content on your site. Visitors will turn to pay customers when your website provides useful and engaging information. A good example is the SA property management company. Your brand should have a combination of both a solid website and a high Google ranking.

 

  • Rankings Change Fast. SEO is an ongoing process. The more you invest, the more significant it becomes, and this is a good thing on many levels. If you are already at the top ranking, you need to continue investing in SEO to stay on top. With everyone trying to reach the top, your competitors are going to invest in SEO, and if you relax, they will outrank you. If you are yet to the top rank, you have an opportunity to rise. Invest in a sound strategy and use smart techniques. You will begin to drive more traffic to your website, and you will outrank competitors.

 

  • Cheap Marketing Strategy. Modern business marketing is expensive. An upcoming business cannot raise the required capital to compete with global brands that dedicate budgets to increase visibility and increase traffic. Digital marketing has changed all that since most of the marketing tools are readily available. For instance, producing and launching a video is cheap. Most SEO techniques do not require a big budget.

 

  • Is here to Stay. Technology is still advancing. So is online shopping and searching. Online stores will keep growing, and smartphone users will increase. This means that SEO will continue to change. Invest now and set your business up for success in the future.

Good SEO is arguably the most influential tool to consumers than any other form of advertisement.  

Learn to Earn: 10 Ways You Could Be Earning Passive Income

Do you want to make money while you sleep by earning passive income? Read on for 10 great ways to earn a passive income.

There are 4.2 billion people online right now. That massive digital population has made it so budding entrepreneurs like you can make millions of dollars each year in your sleep!

Sound too good to be true? We promise you that it’s not.

Making money while doing nothing describes the process of “earning passive income.”

That’s when you build something that requires a lot of work up front that has the potential to pay you royalties for a long time afterward (maybe even forever) without needing to put in any more effort.

There are a ton of ways you could start earning passive income right now. Below our team shares 10 of our favorite ways.

1. Invest in Index Finds That Produce Dividends

Everybody knows that investing in the stock market can make you money. Investing in stocks can also be a pain though. Websites like Stock Dork (which you can click here to learn more about) make things easier. But still, all of the vetting that’s required to make a good investment puts stocks out the reach of the average person.

That is of course unless you invest in index funds.

Index funds are pre-diversified stocks that automatically spread your invested money out across multiple, quality companies. If those companies produce dividends (cash payments to investors) you could be earning dividend cash from top performing companies almost immediately!

2. Lending Money

What if you could be like a bank and collect interest by lending money to people who don’t want to deal with banks or can’t get approved by them?

Thanks to awesome companies like Upstart, you can.

Just set up an account, pick an amount of money you want to lend, and borrowers will take you up on your offer and pay you back your money plus interest!

3. Affiliate Marketing

You could be making tens of thousands of dollars promoting other people’s products online! This is called affiliate marketing. If you get a good infrastructure in place, this is one of the best earning passive income avenues you can go down.

To get going with affiliate marketing, try setting up an account on Amazon Associates and start promoting Amazon products through social media. If your promotion leads to a sale, you’ll get a commission!

4. Sell Stock Photos

Have a knack for photography? If you do, you can sell your awesome photos to websites like Shutterstock or Fotolia.

When you do, you’ll get royalties for every photo you sell.

If you publish a ton of photos and they’re of excellent quality, you could make a full time living as a photographer!

5. Make YouTube Videos

A billion hours of video get watched on YouTube every day. That massive rate of content consumption is why so many people get rich on the platform.

YouTube has a program in place called “revenue sharing” where content creators let the platform run ads before, during, and after their videos. Any revenue generated from those ads is then split between YouTube and creators.

To start making money on YouTube now, build up your channel’s library with quality content. The more stuff you post, the more chances you’ll have of earning passive income.

6. Write a Book

Everybody has a book in them! If you share yours, it could mean cashing royalty checks for the rest of your life.

Books don’t have to be biographical or fiction to sell big. If you’re good at something like online marketing or playing the piano you could publish a small, digital-only book (eBook) that retails for just a few dollars.

Even something simple and affordable like that could mean steady income for years to come!

7. Rent Your Car

A lot of people buy nice cars that just sit in their driveway day in and day out. Wouldn’t it be great if that car could be earning you money when it’s not working for you?

New apps like Turo make that dream a reality!

Simply list your car on the app, make sure you have proper insurance requirements in place and people can start picking up your car during its downtime, which will net you some serious cash.

8. Use Cash Back Credit Cards

When you pay for your purchases in cash, all you get is what you bought. Boring.

When you pay for your purchases with cash back credit cards, you get what you bought plus anywhere from 1% to 20% cash back! Exciting!

There are a number of cash back credit cards out there that pay consumers big money. A quick Google search of “best rewards credit cards” should find you some excellent options.

9. Invest in Real Estate

If you have money to spend, you could buy properties and rent them out through an agency to score some sizeable passive income. If you don’t have the kind of money to buy up property, try investing in real estate through apps like Fundrise.

Fundrise lets you pool your money with other investors and jointly own and rent properties to corporations!

This process can net you massive returns on your relatively small investment.

10. Buy or Build a Blog

Last but not least on our earning passive income list of suggestions is buying or building a blog.

If you have a blog that gets solid traffic, you can make money off of that traffic by selling products, pushing affiliate links, and more! The only trouble is that building your own blog can take a lot of time and patience.

If you want instant gratification, consider contacting a blog that already has good readership and asking to buy it!

While that will cost you some cash up front, the amount you could get back in monthly income may far exceed your purchase price.

Wrapping Up Ways You Could Be Earning Passive Income

From building a blog to investing in index funds, there is no shortage of awesome ways to start earning passive income.

Try your hand at your favorite methods above and start making serious money today!

For more awesome content on earning and investing, check out more of our content at ONMoneyMaking now.

 

Take Control of Your Personal Finances

Personal finances affect just about every aspect of life and your habits, good or bad, can influence how comfortable you are with your own life. If you’re looking for a way to improve your finances, consider the following basic steps, including learning more about your money, developing a budget, and taking control of your financial future.

Track Your Expenses

One of the biggest factors that can lead you into financial insecurity is underestimating how much you’re spending. You can overcome this hurdle by listing out everything you know you’ll spend during the month. As you take a look at those known expenses, consider whether you’re currently making enough money to pay for everything.

This is just the first step in making an improvement, however; as you progress through the month, keep track of every cent you spend. Many people spend a lot of money that doesn’t get tracked by neglecting to factor in the cost of a newspaper from the stand or a cup of coffee with a friend. Finish off this step by reviewing your spending records from other months, using statements from your bank and credit cards, and adding those expenses into your emerging budget.

Cut Out Unnecessary Expenses

With a clear picture of how much money you’re making and how much you’re spending, it’s time to make some tough decisions. Review the records you kept from the month before. There should be some expenses that are easy to cut, such as subscriptions to services you don’t use anymore. Other expenses may be harder to cut out but could have a huge impact on your financial well-being. Calculate how much money you could save if you made coffee and lunch at home rather than buying them from a shop.

Understand Interest

Interest can either be your friend or your enemy. For example, if you have a ten-year loan for your car, you’ll end up paying for that vehicle several times over because of interest. On the other hand, a savings account with a great interest rate provides you with passive income. As you reduce your debt and invest in your savings, you’ll find that today’s sacrifices can leave you with security in the future.

Learn Financial Terms

When you’re struggling to get your personal finances in order, it helps to understand the terms commonly used by bankers and financial advisors. Hopefully, you’ll improve your finances to the point that you have enough passive income to support your lifestyle. However, you won’t make much progress until you understand terms such as “passive income” and “capital.” Boost your financial literacy by enrolling in a course; these are generally offered online and may be available through a local banking institution.

Prepare a Budget

Although the actual mathematics of making and using a budget should be simple, many people struggle with this basic and vital step. Fortunately, there are many resources available, from a very basic budgeting template from the government to more involved plans from experts such as Don gayhardt and Dave Ramsey.

Calendar Your Finances

Write down all of your recurring bills and expenses on a calendar. This is a great way to keep track of quarterly taxes and other expenses that don’t come up on a monthly basis. It’s also a good way to keep your financial goals in mind. Many people get discouraged when they don’t see quick results from their efforts. Having a financial calendar helps by providing you with a concrete visual of the progress you’re making.

Rather than struggling each month to make ends meet, take control of your money. As you get your personal finances in order, you’ll put yourself on the path to financial security. Your willingness to learn and sacrifice today will lead you to a satisfying and comfortable tomorrow.