Category Archives: Personal Finance

Hot and Cold Spots Around the US for Housing in 2018

When you are looking for the ideal location to start your life or just build a home, it seems like there are so many different locations in the United States alone that are great for living. However, if you want to live in an area known for their specific weather, then finding the best cold, hot, and lukewarm places to live is not going to be that easy. Luckily, we’ve done all the work for you so you can simply find your ideal place and get excited.

The Best Hot Places to Live

If you would prefer to live in a warmer place, there are several locations that you might consider living to enjoy the heat all year round.

One of the first places to live that have a hotter temperature is Modesto, California. In Modesto, you can experience around 22 days below freezing during the winter and as many as 82 days above 90-degrees Fahrenheit. The best part about living in Modesto is the 261 rough days that are clear or partly cloudy, giving you beautiful weather all year long.

Miami, Florida has one of the best climates in the United States. Their annual high temperature sits around 84-degrees Fahrenheit, and their low temperature is about 69-degree Fahrenheit each year. They only have about 128 days of precipitation each year as well, but the amount of sunshine and beautiful views make those few days worth it. Because of the beautiful weather, the Miami housing crisis has been a big issue, but it is worth it to find a home in the sunny place.

The Best Mild Places to Live

Many people prefer to live in more mild places where the weather is almost the same morning, night, and all year round.Another great place with a mild temperature to live in is Birmingham, Alabama. In this city, you can experience fewer days below freezing and fewer days above 90-degrees Fahrenheit during the summer. Birmingham even has about 210 days throughout the year that are partly cloudy or clear.It should come as no surprise that Honolulu, Hawaii would be on the list of the best places to live in the U.S. This city features no days below freezing and only 24 days above 90-degrees Fahrenheit. The best part about living in Honolulu is the 271 mean days with clear or partly cloudy days. Who wouldn’t want to enjoy the warm weather in Hawaii.

The Best Cold Places to Live

If you prefer to live in colder places, there are several cities that you might consider right here in the United States.

Alaska is known for their cold days, and Fairbanks, Alaska is the best place to get your cold on. Their average monthly low temperature sits around -16.9-degree Fahrenheit, and their high temperature is only around 52.3-degrees Fahrenheit during the summer. To give you a chill, Fairbanks gets around 66.1 inches of annual snowfall.If you want something a little closer to the lower 48, Fargo, North Dakota is a great place to feel the chill. Their average low temperature sits around -3.1-degrees Fahrenheit, and their high temperature is around 56.3-degree Fahrenheit during the summer months.No matter where you choose to live, there are many locations throughout the United States that are hot, cold, or mild. Luckily, these places are welcoming to newcomers, and the weather just can’t be beaten!

Get a $150 Referral Bonus When You Become an Uber Driver

If you’re considering becoming an Uber driver, NOW is the time!

The referral bonus for new Uber drivers has traditionally be lower, at $50 in most cities, but Uber has increased the new driver referral bonus to $150 in many cities! The bonuses vary by city, so it may be more or less in certain cities. For example, right now it’s $300 in Washington, DC, $400 in Boston, and $500 in Los Angeles!Become an Uber Driver

It’s very easy to get started, and there are only a few steps you need to take to get paid your bonus:

  • Sign up here
  • Upload all required documents to their partner dashboard
  • Get vehicle inspected
  • Complete 20 trips (this number varies by city, but should take about 3 hours of Uber driving)

When I signed up, I got paid a $50 Uber referral driver bonus after just the first Saturday night of driving for Uber. It couldn’t be easier to earn the bonus, so sign up now!

The whole process is pretty quick, and if you have any questions about the approval process, leave them below. I’m happy to answer them for you!

So what are you waiting for? Sign up to become an Uber driver here and get your $150 bonus now!

Uber Sign Up Bonus

How Workers Compensation Protects Your Business From Financial Distress

Workers compensation insurance provides cash or medical benefits to employees who are injured on the job. While you are just starting a business, you probably do not have to worry about paying for this insurance. Unless, you would like to cover yourself as an employee. However, once you start hiring other people as employees, it will be increasingly necessary to have a workers’ compensation policy in place. While some states do not require workers comp, most have mandatory laws in place. As the business owner, you are responsible for ensuring that the company pays for this insurance which can offer protection in the event of an incident. To learn more about how workers compensation protects your business, keep reading below.

Employee Accidents Or Injury

If an employee experiences an accident at work, workers compensation can help cover the medical costs associated with the accident. The policy will also cover the lost wages that employee incurs as a result of the accident or injury. For example, if an employee were unable to work for a month, the policy could cover the wages over that period of time. Securing a policy, you can protect your business from having to pay out these wages. An accident or injury can be an expensive event that workers’ compensation can protect you from.

Injury Lawsuits Against Your Business

Secondly, workers’ compensation can protect your business from injury lawsuits. The cost of an injury lawsuit could bankrupt many small businesses. However, workers’ comp comes with another part of insurance called employer’s liability insurance. This part of the policy would cover attorney’s fees, court fees and judgements settled against your business. Of course, each policy has a limit of damages according to your business’s coverage. However, the policy limits are usually set high enough to offer significant protection to the business’s overall financial stability.

Job-Related Illnesses And Long Term Injuries

Furthermore, wordpress compensation can protect your business from long term costs associated with permanent injuries and illnesses. If there are long term diseases developed at work, workers comp can cover these costs too. Medical treatments for diseases like carpal tunnel syndrome or chronic back pain may take many years to heal, if at all. Obviously, a long term cost like this could drain your company’s cash flow. However, the insurance policy would protect the company from this type of long term risk and liability.

Support Managing Claims From Employees

In addition to providing financial protection, a workers’ compensation policy can assist in dealing with claims from employees. According to Daniel Noll, a lawyer in Springfield IL, “most work-related injuries must be reported to an employer within 45 days.” Dealing with these claims could cost your business valuable time and resources for administrative tasks. With the help of your insurance carrier, they can take care of the claims process for you. This way, you can spend more of your valuable time running the business while your insurance provider responds to employee workers’ compensation claims. Needless to say, the policy could protect your business from losing valuable resources to keep the business running.

Trust Between The Company And Employees

A workers’ compensation policy establishes a level of trust between your business and employees. They will know that if there is an incident at work, they can claim compensation. Within reason, they will not have to worry about covering the medical bills or lost wages if they are injured at work. When your business is trusted by employees, it improves retention and overall productivity. This is essential to the financial success of a company. The security offered to employees with workers compensation can offer your business protection from low morale or high turnover rates.

Workers’ compensation covers many types of injuries and illness while protecting your business from absorbing the total cost of these events. If an employee is injured or hurt at work, the policy will cover the costs for medical bills or lost wages. It can also cover the costs for long term illnesses and injuries that an employee may suffer. On top of that, if an employee tries to use your company, the insurance policy would cover the legal costs associated with a settlement or judgement. It will also assist your business in managing claims when injuries are reported. More so, the policy will promote trust between employees and the company. These are all important ways that workers’ compensation can protect your business from financial hardship.