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Career

How Can a Mom Blog Help You Earn and Learn?

Last Updated on February 4, 2022 By Methew Harbor Leave a Comment

There is no denying the fact that parenting has a far-reaching effect on the growth of a child and decides the values that are passed to the next generation. However, it surely isn’t easy to nurture your children in a way that they can help society and the nation. With the growing technology, lives have become connected as we have a number of social media websites and whatnot. The Internet has become an integral part of our lives and mothers from all over the world are coming online on various mom social networking sites.

These websites and blogs are not only helpful in parenting but can also let you earn a decent amount of money. So, without any further ado, let’s understand how mother blogs and networks can be big hits for you.

A Mom Blog lets you Showcase your Parenting Ability

There are a number of questions regarding parenting that make their way to the internet on a daily basis. A blog lets you use your parenting skills to answer at least some of these questions in an interesting manner. Understanding what you are best at is very important before you start publishing on your blog.

Try to focus on the quality of the content and the readability of the blogs you publish. If your posts generate a healthy amount of traffic, brands and sponsors can reach out to you. However, keep in mind that posting too much promotional can affect the credibility of your website.

Sharing Cooking and Household Tips Become Easy with a Mom Network or Blog

A cooking blog can be a nice way of engaging the audience and sharing your recipes. When your blog starts gaining visitors, you can include a subscription option so that they can be informed every time you post something. If you’re going for cooking tips and recipes, you should include a bunch of pictures so that the reader doesn’t get bored while reading your blog. Apart from this, any user would be less likely to make a cooking mistake if your blog post has proper image illustrations and real-time clicks of the recipe.

Gone are the days when women had to compromise with their work-life once they had a baby. Now moms have created successful YouTube channels, highly subscribed kitchen blogs, travel blogs, and whatnot. The best thing is that you can update your blog whenever you want and can take a break if you are too caught up. At the same time, you can keep your posts consistent and focus on improving the content as people start to notice your work. It is crucial to understand what your readers find the most interesting so that you can create a niche.

These Websites can be Easily Monetized

Earn Money from blog

Once your subscription count attains a decent number, you can either start putting ads on your web pages or can go for a paid membership. By keeping a fixed price according to the additional services you are going to provide, you can include a couple of plans that one can choose for a premium experience. This will, however, increase the responsibility of providing the content that justifies the money paid by your premium subscribers. Putting ads can sometimes take a hit on the credibility of your website so you should be careful while preparing q the layout of the ads to be put on your web pages.

Mom networks have grown into full-fledged business websites catering to the needs of thousands of online users. You can easily find a number of websites that can create the website for you so that quality content is all you need to focus on.

matt harbour
Methew Harbor

Matthew is a Co-Founder at BusinessFinanceArticles.org. Matthew was a floor manager at a local restaurant in Wales. He lost his job after the pandemic and took initiative to make a team and start the project.

Filed Under: Business, Career

9 Tips to Become a Happy ‘Work At Home’ Freelancer

Last Updated on February 4, 2022 By Methew Harbor 1 Comment

Do you work at home and you just don’t know how to organize your day? Do you love working in pajamas and getting up at whatever time you want, eating whenever you are hungry, and staying awake with the help of coffee or caffeine pills?

We don’t know a lot about the effects of working at home because the work model “home office” has only become slightly more popular in the last few years. For decades, the individuals working in an office among us have gotten up between 6 and 7, started work between 8 and 9, and finished their day between 4 and 5. We have breakfast at home, lunch at the office, and dinner at home with our families. What happens if all of a sudden we are obliged to work from home and provide buy research papers online? Great, most of us think, my dream has become reality; this is what I always wanted.

But be careful, what seems like paradise might soon turn into a nightmare. Suddenly you don’t have to set your alarm clock anymore, you determine your working hours and it feels like you have all day to start working.

Table of Contents

  • Dress Appropriately
  • Set Yourself Fixed Working Hours
  • Don’t Forget Your Social Life
  • Spend Time Outside
  • Avoid Artificial Light at Night
  • Remain Physically Active
  • Watch Your Nutrition
  • Reduce Your Stress
  • Avoid Stimulants

Dress Appropriately

Get out of your pajamas and dress appropriately, just as if you were to leave to go to the office. The first couple of days or even weeks it might be a great feeling wearing your PJs or a sweatsuit while working but you are setting yourself a trap. Pretty soon you will forget to brush your hair, stop wearing makeup or forget to shave and just run around in the same clothing day and night. It sounds absurd but it will happen if you don’t control your habits.

Set Yourself Fixed Working Hours

Don’t start working at a different time every day. You can make exceptions but these kinds of exceptions should not become the rule. You will lose your rhythm and be more stressed than before. Why more stressed? Well, think about it this way. Our body gets used to getting up at a certain time so if you get up at 9 am on one day and at 2 pm on the other day, your body will become confused.

Apart from that, our body will neither be able to produce sufficient amounts of serotonin, a neurotransmitter that is stimulated by outdoor light and is significantly responsible for our health and well-being nor will it be capable of synthesizing enough melatonin, a hormone that is produced at night through which you become inactive and tired. These two hormones have a great influence on our mood and energy levels and if their production and hence our day-night cycle is disrupted or changed frequently, the risk for feeling depressive symptoms rises.

Don’t Forget Your Social Life

When you work at home, you will be communicating non-stop by email, through social networks, via Skype, or other instant-messaging tools. Don’t forget to pick up the phone to talk to your friends and colleagues. It can become unbearable if you don’t hear a human voice all day long and the beeping noises of your instant messaging tools will soon haunt you in your sleep.

Spend Time Outside

Spend at least 30 minutes outside in daylight. Don’t lock yourself inside and make your computer become your best friend. The world is happening outside and sunlight should be your best friend. Sunlight stimulates the production of serotonin and thus leads to happiness. 2 hours a day is the dosage required for your body to produce sufficient amounts of serotonin to get you through the winter. In the winter, when there is a lack of sunlight, your body produces less serotonin which is why many people feel depressive symptoms in the winter. So don’t forget to spend some quality time outside.

Avoid Artificial Light at Night

Home office

Try to avoid using your computer at night. The artificial light will hinder your body’s production of melatonin and will disrupt your sleeping and waking cycle. According to scientific studies, using artificial light at night, such as by watching television, writing narrative essays, and using the computer can lead to depression, and all of that is because you are confusing your sleeping hormone. If you are receiving work late at night and if you are not pushed by a strict deadline, leave your job until the next day. You will feel energized by new serotonin being produced, triggered by sunlight, and you will be more concentrated, deliver better results and work more efficiently.

Remain Physically Active

Don’t forget to remain physically active. Physical activities will have several benefits for freelancers. As freelancers, we are often condemned to sitting in front of our screens all day long. This makes it more difficult to manage our weight and our health. It also reduces the risks of high blood pressure by boosting high-density lipoprotein and decreasing unhealthy triglycerides. Your blood is able to move more smoothly and the risk of cardiovascular diseases can be lowered. And here we come across serotonin again. There is a connection between serotonin and physical activities. For one thing, exercise increases the rate and frequency at which serotonin is synthesized and produced. Secondly, the level of tryptophan which is an amino acid that produces serotonin is increased. Practice your favorite outdoor sports or just put on your rollerblades and skate around a bit while you recharge your batteries and stock up on serotonin.

Watch Your Nutrition

Eat healthy, regularly, and at fixed times during the day. Most of all, pay attention to the kinds of foods you eat. There are certain kinds of foods that trigger the production of serotonin such as foods high in B-vitamins (eggs, brown rice, chicken, corn, green leaves, legumes, peas, sunflower seeds, and nuts), calcium (green leaves, almonds, and cruciferous vegetables, fish with bones, tofu, and sesame seeds), magnesium (green leaves, brown rice, sesame seeds, shrimp, salmon) and tryptophan (turkey, peanuts, soy foods, almonds). The Omega 3’s are fatty acids necessary for serotonin production. These can be found in fish oils such as mackerel, salmon, sardine, and tuna. Omega 6’s is equally important. These are contained in chicken, eggs, sunflower oil, and turkey.

Reduce Your Stress

Reduce your stress. There may be different stimulators. If you experience stress on a long-term basis, your serotonin levels will be depleted and you will find yourself with a lack of the “happiness”-hormone. Stress on a short-term basis actually increases serotonin but if this happens too much, you risk experiencing burn-out syndrome and it will be extremely difficult for your body to produce sufficient serotonin levels. Try to listen to relaxing music. It will soothe your mind, calm your nerves and take your mind off of troubling thoughts.

When your mind starts relaxing, this relaxation will go over to other parts of the body. It was found that a continuous rhythm of 60 BPM has a relaxing effect on your body as your heart rate will harmonize with the music’s rhythm.

Avoid Stimulants

Don’t take stimulants because they reduce your serotonin levels significantly. Avoid coffee or pills containing caffeine, refined carbohydrates, chocolate with a high quantity of sugar (dark chocolate was discovered to have positive effects on your heart), alcohol, drugs cigarettes, or any other form of tobacco.

Try following this advice and you will see your serotonin levels soaring up. Your mood will change for the better and you will have energy in ways never seen before. Teach your co-workers and supervisors the importance of organizing their day working from home and the magic of serotonin and they will soon become much more pleasant to work with too.

matt harbour
Methew Harbor

Matthew is a Co-Founder at BusinessFinanceArticles.org. Matthew was a floor manager at a local restaurant in Wales. He lost his job after the pandemic and took initiative to make a team and start the project.

Filed Under: Career

Making Money vs Offering Solutions: How to Re-evaluate Your Career Goals

Last Updated on January 13, 2022 By Ayesha Saeed Leave a Comment

More often than not, most careers are geared towards a specific direction. Job seeking, company selection and the overall work environment that one chooses are correlated in one way or the other to the career path you choose.

While making money is crucial to being able to afford daily essential amenities, another aspect of choosing a career path is driven by our overall desire to be in that particular field. So, what drives your career path and how have your goals influenced the choices you make in relation to the same? If you are curious, keep reading to know more and get tips on how to re-evaluate your career goals.

Table of Contents

  • 1. Understand What Makes You Happy
  • 2. Look into the Growth Spectrum
  • 3. Have a Good Breakdown Strategy
  • 4. Have a Now and Future Comparison
    • The Bottom Line

1. Understand What Makes You Happy

Of course, we are not saying that loving money is bad. The main goal here is to understand what has driven your career so far. If you have been chasing money in your career path, then that is what has fuelled your decisions.

When it comes to offering solutions, it means that you are not only open to giving the services you are equipped with, but you are giving yourself a chance to learn. Call it passion! It fuels you every desire to be better in the field. For instance, if you handle throttling ball valves in the production section, you’ll want to learn how to minimize the costs while increasing the quality and durability of the output.

Alternatively, you may be placed in charge of servicing the food packaging machine in the firm, you will ensure that you give a special touch to each accessible element and ensure that it functions better. Or maybe you have been given an opportunity to work for medium voltage switchgear manufacturers, your desire to offer solutions will open the willingness to go the extra mile without being pushed into anything.

Point is, while it’s good to ensure that you get a good “thank you” for your services when you do it with the desire to offer more solutions, you are able to achieve your career goals faster.

2. Look into the Growth Spectrum

Goals re-evaluation is not just about taking up a pen and changing your previously written ones. When you re-evaluate your career goals, you look at the attributes and aspects that put you in that particular goal and weigh both the privileges and outcomes.

Looking into the growth spectrum is an essential way to know whether you are heading towards the right outcome or you are simply moving with the flow.

If you check and find that you are not getting the growth that you expected, you can easily change your plan and see if you get a better outcome.

Moreover, the goals that you made at the beginning of the year or your career path will change along the way as you navigate the industry and gain more experience. So, as part of your re-evaluation, cancel out goals that you have already accomplished so that you can pave the way to new ones.

3. Have a Good Breakdown Strategy

Making goals, quite easy! Achieving them is another story altogether. In the re-evaluation, the point, as mentioned earlier, is to know which goals will be achievable in the short-term and long term.

This is where a good breakdown strategy comes in handy. Whether short-term or long-term, you need a way to discern which ones will be achievable in a simpler way and which ones are going to need much more time and a sophisticated plan.

When you are able to critically elaborate what each goal means to your accomplishments and what each plan needs to be accomplished, you need to go ahead and get a good strategy to break each one. This helps to make the accomplishment easier and small celebrations after each accomplishment can go a long way for you.

The breakdown also helps you to understand more where your motivation lies.

4. Have a Now and Future Comparison

Career goals re-evaluation need to give a better view of what you want in the long run. Now, have a current and future analysis of the goals you have presently. What do the now and future reflect? Is the barrier big or small? What does all this mean to you? Does the future look promising with the prevalent conditions or are your goals unattainable in a way?

Being honest with yourself saves you from frustrations and avoidable stress.

The Bottom Line

We can never tell you to choose between money and offering solutions in creating your career goals. We can, however, advise you to follow what makes you happy, it gives you a balance of both. Keep in mind that skills and knowledge have a better futuristic return. Good luck!

ayesha saeed
Ayesha Saeed

A happy mom, professional article writer, SEO practitioner, blogger, guest blogger & freelancer. She’s been in digital marketing since 2018. She loves reading books and spending time with her family.

Filed Under: Career

Top 10 Best Practices In Healthcare Communication

Last Updated on December 22, 2021 By Tristan D. Porter Leave a Comment

Communication skills are essential to all staff members, especially those working in the healthcare industry. One of the most critical patient care factors is communication between doctors and patients. Doctors are trained to diagnose patients. However, some may not fully understand the psychological aspects of their patients’ illnesses. On the other side, patients should explain their symptoms and tell doctors everything relevant. Both parties should ask and answer questions and communicate appropriately for the situation.

With accurate and effective communication between the patients and doctors, people involved can eliminate the dangers of misdiagnosis and mistreatment because of poor communication. Here are the top ten best practices to follow to ensure that communication between patients and doctors is as effective as possible.

Table of Contents

  • Always Use A Professional Tone When Communicating With Patients And Their Families
  • Make Sure All Written Communication Is Clear, Concise, And Easy To Understand
  • Avoid Using Too Much Medical Jargon Or Acronyms That Could Confuse Patients
  • Always Give Patients Enough Time To Ask Questions And Participate In The Conversation
  • Avoid Making Assumptions About Patients’ Knowledge Or Understanding
  • Always Provide Patients And Their Families With A Way To Contact You If They Have Further Questions Or Concerns
  • Understand The Different Ways People Can Receive Information–Visual Or Auditory
  • Be Aware Of Your Body Language And Tone Of Voice
  • Practice HIPAA Compliance At All Times
  • Use Technology To Improve Communication
  • Bottomline

Always Use A Professional Tone When Communicating With Patients And Their Families

When communicating with patients and their families, always use a professional tone. This means using polite language, asking questions instead of making statements, and avoiding sarcasm. When doctors use a professional tone with their patients, this leads to better patient satisfaction, higher patient retention rates, and a more friendly doctor-patient relationship.

Make Sure All Written Communication Is Clear, Concise, And Easy To Understand

HIPPA Complaint

Miscommunication is often the result of unplanned written messages for many businesses, which cost time and money. Healthcare is no exception.

Written communication is sometimes overlooked in healthcare, but it’s just as important as verbal communication. Written communication can be even more critical because it allows doctors to convey complex information without a long and tiresome explanation.

One of the most important things to keep in mind with written communication is to make sure it’s clear, concise, and easy to understand. If written communication is long-winded or filled with complicated medical terminologies, then the message will be lost to patients. When this happens, it may lead to misunderstandings, inaccuracies, and loss of important information.

Furthermore, errors in written communication can completely alter the meaning of a sentence and create misconceptions. For this reason, doctors should always strive to make sure that their written communication is professional and free of grammatical errors.

Avoid Using Too Much Medical Jargon Or Acronyms That Could Confuse Patients

When doctors speak with other medical professionals, they may use acronyms to save time. However, many of these acronyms are unfamiliar to patients, leading to confusion if not properly explained. To avoid confusion and ensure that patients understand what healthcare professionals are saying, it’s important for healthcare providers to use a language that patients can understand. This means avoiding using too much medical jargon or acronyms to confuse patients.

For example, a doctor should never use “CHF” when explaining a patient’s condition to their family. Instead, they should use terms like ‘heart attack’ or ‘heart failure’ that are more familiar to patients.

Always Give Patients Enough Time To Ask Questions And Participate In The Conversation

Healthcare professionals should constantly allow their patients to ask questions and offer their inputs during conversations. It can be difficult for doctors to understand their patients’ conditions without hearing their thoughts and concerns. Allowing patients to ask questions and participate in discussions provides for a two-way communication flow.

In addition, doctors should always take the time to listen to their patients. This means allowing them to complete their sentences and not interrupting them. Patients may often feel rushed during a doctor’s appointment, making it difficult to gather their thoughts and communicate effectively. That’s why doctors need to take their time and give each patient as much time as they need to speak. Giving patients enough time to ask questions and participate in the conversation is essential for effective communication.

Avoid Making Assumptions About Patients’ Knowledge Or Understanding

When communicating with patients, it’s important not to make assumptions about their knowledge or understanding in a particular matter. This is especially important when explaining medical procedures or treatments because patients often have different levels of understanding about these subjects.

For example, a doctor may assume that a patient knows the difference between a biopsy and a CT scan. However, this could lead to potential misunderstandings about the procedure and hinder the doctor-patient relationship. It could also lead to them downplaying or not seeking treatment for a serious medical issue.

Always Provide Patients And Their Families With A Way To Contact You If They Have Further Questions Or Concerns

Consult to a doctor

One of the most important things that doctors can do to improve communication is to provide patients and their families with a way to contact them if they have further questions or concerns. When patients feel that they can’t reach out to you, it can lead to a loss of trust and a communication breakdown.

Understand The Different Ways People Can Receive Information–Visual Or Auditory

Medical professionals can improve communication with patients by understanding how people receive information. For example, some people can better understand the information presented visually, while others prefer to hear information explained to them. Asking patients how to receive information can help healthcare professionals better communicate with them.

Be Aware Of Your Body Language And Tone Of Voice

Healthcare professionals need to be mindful of their body language when communicating with patients. For example, if you’re speaking with a patient in a condescending tone or while crossing your arms, they’ll likely feel belittled or unimportant.

In the same vein, if you’re not making eye contact or not speaking clearly, patients won’t feel heard and will lose interest in what you’re saying. Healthcare professionals need to use positive body language to convey their message effectively.

Practice HIPAA Compliance At All Times

HIPAA (Health Insurance Portability and Accountability Act) is a set of federal laws that protect patients’ health information privacy. Healthcare professionals must abide by HIPAA regulations when communicating with patients. This means that they must keep all patient information confidential, and only share it with those who need to know and are authorized to access it.

Use Technology To Improve Communication

One way healthcare professionals can improve communication with their patients is by using patient portal technology. A patient portal is an online system that allows patients to view their medical records and communicate with healthcare providers.

Patient portals provide a secure and convenient way for patients to access their health information. They can also use patient portals to ask questions, schedule appointments, and pay bills online.

Bottomline

Healthcare professionals can improve communication with their patients by using a professional tone and positive body language when speaking, understanding how people receive information, and abiding by HIPAA regulations. Additionally, they can use technology to improve communication by utilizing patient portals. By following these tips, healthcare professionals can create an effective line of communication with their patients.

d porter
Tristan D. Porter

I am Tristan who loves to ride and spend time with my jenny (horse) and my love Mark. After completing my graduation, I have been working as an accountant in a private firm in Cologne.

Filed Under: Career, Management

The Ultimate Guide to Best Companies With Health Insurance

Last Updated on December 21, 2021 By Tristan D. Porter Leave a Comment

For a lot of employees, health insurance coverage can be a deal-breaker. Aside from the salary offer and leave benefits, having support and fallback for health matters is important for us and our families.

Despite the continuously rising costs of healthcare in the country, some companies take the extra mile and get their employees the best health insurance plans available. It’s no longer about compliance or providing healthcare as an industrial standard but about taking care of employees the best they can.

If you’re looking for what the best healthcare benefits look like, here are a few of the best companies in terms of health insurance:

Table of Contents

  • 1. Ultimate Software
  • 2. Boston Consulting Group
  • 3. NuStar Energy
  • 4. Kimley-Horn and Associates
  • 5. FactSet
  • Conclusion

1. Ultimate Software

Tech companies have established a reputation for being the cool places to work: competitive salary packages, outstanding perks, and flexible work arrangements. Working for a tech company that develops human resource solutions must be even more–something Ultimate Software makes a case for.

For starters, the HR software development company covers 100% of its employee healthcare as well as its dependents’ premiums. This includes coverage for dental and vision, as well as mental health needs. Their plans also include subsidies for prescription drug purchase and offer coverage for homeopathy and acupuncture.

More uncommon benefits with Ultimate Software include comprehensive infertility coverage. Employees having difficulty conceiving can have up to three cycles of in vitro fertilization treatments and up to six rounds of intrauterine insemination processes. 
 

2. Boston Consulting Group

Boston Consulting Group is known for offering management consulting services for a wide variety of organizations, but they’re also famous for always being among the best companies with health insurance packages. Despite the rising healthcare costs, the company maintains 100% coverage for its employees and their dependents.

All plans by the consulting company also include prescription drugs, dental, vision, and mental health coverage as well. For its dental plans, for example, covers full preventive dental exams. Additionally, the Boston Consulting Group allows its employees to have a spending account where employees can store a part of their paycheck, tax-free, and use it for paying bills such as medical emergencies.

Employees are also given the option to pay for more inclusive healthcare plans with more coverage. These benefits also extend to the company’s part-time employees who work for at least 20 hours a week.

3. NuStar Energy

NuStar Energy is one of the country’s largest pipeline operators that store and distribute oil and other specialty liquids. It also provides one of the best healthcare packages available, starting with full coverage for its employees’ health care premiums as well as their dependents. On their website, the company explains that their benefits overall are valued at 36% of their employee’s salary, which is equivalent to about 36 cents for every dollar NuStar employees earn.

Most of their health insurance coverage also extends to part-time employees who work a minimum of 30 hours per week. One distinguishing feature for NuStar Energy healthcare for employees is its in-house medical clinic that provides basic medical care, assessments, and check-ups.

4. Kimley-Horn and Associates

Throughout the years, Kimley-Horn and Associates have remained one of the largest planning and design consulting firms there is. It has more than 100 offices scattered across the country, retaining over 5,000 staff members on its payroll–and yet, they still manage to offer one of the best healthcare insurance packages in the market.

Like most entries on this list, Kimley-Horn covers 100% of its employees’ health insurance premiums although dependents’ premiums are covered at 90%. The company also offers partial coverage of employee premiums for additional plans such as dental, vision, mental health, and prescription drugs. Health insurance is also available for part-time employees working a minimum of 30 hours per week.

5. FactSet

As an American financial data and software firm, FactSet provides integrated data and software solutions for its customers to help optimize costs and streamline workflow processes. In terms of health insurance coverage, FactSet also has a “no contribution plan,” which means that the company pays 100% of employee-only premiums. Employees will only be paying for their deductibles.

For the employees’ dependents, FactSet also offers 100% coverage of their premiums but only for certain plans. The same health insurance benefits extend to part-time employees working at least 30 hours per week.

Conclusion

Healthcare insurance becomes more expensive with each passing year, which means it costs more for employees to pay for their premiums, not to mention the separate deductibles that come with their plans. However, there are companies that continue to provide more than what is required in order to give more to their employees.

d porter
Tristan D. Porter

I am Tristan who loves to ride and spend time with my jenny (horse) and my love Mark. After completing my graduation, I have been working as an accountant in a private firm in Cologne.

Filed Under: Career, Insurance

How many endorsements does CDL have?

Last Updated on December 21, 2021 By Ayesha Saeed 1 Comment

If you are a truck driver, you have a lot of opportunities before you. If you accept different types of cargo, you can significantly increase your earnings potential, even if you haul general freight.

The type of commercial driver’s license (CDL) you have can affect whether you can obtain various endorsements that may increase your earnings. So, here are a few different types of CDL endorsements and CDL endorsement codes so you can bring career to the next level.

Table of Contents

  • Endorsements for CDL
  • Among the different endorsements you can pursue are:
    • H Endorsement
    • N Endorsement
    • P Endorsement
    • S Endorsement
    • T Endorsement
    • X Endorsement

Endorsements for CDL

You can operate different CMVs depending on which endorsements you have on your CDL. You need to apply for which endorsement you wish to receive when applying for your CDL. You’ll receive the appropriate CDL endorsement test once you have declared which ones you want. Each state also requires an endorsement, just as there are different CDL Classes between states.

A commercial driver’s license endorsement must operate certain commercial motor vehicles (CMVs). For the following federal endorsements, additional tests are required outside of those required for Class A, B, or C CDLs. State-specific endorsements may also be available.

cargo truck delivering sodium

Among the different endorsements you can pursue are:

H Endorsement

When an endorsement H is added to a CDL, the driver is permitted to drive a vehicle loaded with hazardous materials. A written knowledge test is required before the H endorsement can be granted.

N Endorsement

An N CDL endorsement allows an operator to operate a tanker vehicle (which transports liquids and gases). Drivers who wish to obtain a tanker CDL endorsement N must pass a written knowledge test.

P Endorsement

It would be best to have a P endorsement to operate a vehicle or bus that seats 16 people (including you, the driver). You must pass both the passenger P knowledge test and the road test to receive this endorsement. To drive a school bus, you must fill out separate forms and undergo a federal background check (since school bus drivers need two different endorsements).

S Endorsement

An S endorsement is the second endorsement a school bus driver needs. As stated previously, to receive an S endorsement, you must pass a written knowledge test, a driving test, and a background check.

T Endorsement

You can operate double or triple trailers if you hold the T endorsement, but you must clear a written knowledge test to obtain it.

X Endorsement

You can operate a vehicle hauling hazardous materials in a tank with the X endorsement. It needs to pass a written test to get the combination endorsement.

The app can help you manage your driving career if you want to get a CDL and advance your career with the right endorsements. Applying to new jobs is easy to store all your application information, including endorsements and certifications. There are also jobs available based on the licenses you hold.

ayesha saeed
Ayesha Saeed

A happy mom, professional article writer, SEO practitioner, blogger, guest blogger & freelancer. She’s been in digital marketing since 2018. She loves reading books and spending time with her family.

Filed Under: Career

Pulling Yourself Out of a Professional Rut

Last Updated on December 14, 2021 By Jason Obrien Leave a Comment

It’s all too easy to become stuck in a professional rut. Since so many members of the workforce have no passion for their jobs, we tend to assume that feeling professionally unfulfilled is an inescapable part of life. While it may not be easy, extricating yourself from a professional rut is entirely possible – provided, of course, you’re willing to put in a little work. So, if you’re constantly beset by an overwhelming sense of job dissatisfaction, the following pointers are likely to serve you well.

Table of Contents

  • Never Working Unpaid Overtime
  • Maintaining a Healthy Work/Life Balance
  • Continuing Your Education
  • Learning How to Say “No”

Never Working Unpaid Overtime

These days, a sizable number of employers expect workers to put in unpaid overtime. However, some of them will insist that since they didn’t explicitly make this request, the choice to work off-the-clock without pay was entirely at workers’ discretion. Still, in order to meet the unreasonable deadlines, employers often attach to projects, some employees have no choice but to sacrifice their hard-earned leisure time.

Pressure

It’s important to realize that while you may be an employee, you are not a robot that exists solely for the betterment of your employer. Ample downtime is needed for people to recover from the many stressors of the working world, and your employer is not entitled to this time – especially if they’re not willing to compensate you for it. So, if you’re expected to put in overtime, make it clear that you will only do so if additional compensation is put forth. Furthermore, if the deadlines attached to your projects cannot be met in the absence of overtime, request that project timelines be amended accordingly. 

Maintaining a Healthy Work/Life Balance

Unless you absolutely adore your job, you should be working to live, not living to work. You’re working to maintain a comfortable lifestyle, put money away for the future and purchase various necessities and leisure items. In other words, work enables you to enjoy other aspects of life and should not be viewed as your reason for living.

To ensure that you’re able to get the most out of your personal time, you should strive to maintain a healthy work/life balance. For starters, this means adhering to set work hours. Instead of ending the workday at inconsistent times, set a designated quitting time and stick to it. This will help you maintain a sense of structure and provide you with a light at the end of the tunnel throughout the workweek. Secondly, take care to avoid bringing work home. Your residence is meant to be your sanctuary from the pressures of daily life – not an offsite extension of your office.

Continuing Your Education

If you’re looking to boost your earning potential or change career paths altogether, you should give serious thought to continuing your education. An advanced degree in a desirable field stands to make you a power player in your industry and pave the way for long-term professional fulfillment. For instance, a master’s degree from Daniels College of Business can dramatically increase your career prospects and help pull you out of the deepest of ruts.

Learning How to Say “No”

Some members of the workforce will never turn down a request or ask for allowances to be made. Whenever their bosses entrust them with any assignment – regardless of how much work it entails or how unmanageable the timeline is – they’ll bend over backward to get it done to the best of their abilities.

However, if a project is too ambitious for just one person or the timeline attached to it is completely unreasonable, don’t be afraid to request that deadlines be extended and/or expectations be amended. In some cases, this may be the only way to get your bosses to understand exactly how outrageous their demands are. After all, if you’ve never expressed concerns about a project, they may be genuinely unaware of how much effort they’re asking you to expend.

saying No

Few things are more disheartening than getting stuck in a professional rut. Given how much time many of us devote to working, feeling like you’re going absolutely nowhere on the career front can be a persistent source of depression, anxiety, and frustration. Although pulling oneself out of such a rut can prove challenging, it’s far from impossible. Anyone looking to increase job dissatisfaction or expand their professional horizons would do well to consider the previously discussed measures. 

Jason Obrien

Jason is the Marketing Manager at a local advertising company in Australia. He moved to Australia 10 years back for his passion for advertising. Jason recently joined BFA as a volunteer writer and contributes by sharing his valuable experience and knowledge.

Filed Under: Career, Management

Most Profitable Small Businesses to Start

Last Updated on January 9, 2022 By Methew Harbor Leave a Comment

Some people go into business for themselves with a clear idea of what they want to do and what sort of company they want to launch. As a result of this difficulty for numerous fresh entrepreneurs, starting a firm can be a daunting prospect. It’s difficult to come up with a great concept.

Small firms that make a lot of money have been included in our list. It’s possible to make a decent life in any of these businesses. It’s even better that they don’t demand a lot of money to get started! You may establish one of these lucrative enterprises with the correct permutation of uphill struggle, perseverance, and resourcefulness.

It doesn’t take much money to start a small business. These ideas, if done well, can help the business grow and be profitable.

Table of Contents

  • 1. Coaching/Tuition
  • 2. Catering Corporation
  • 3. A Mechanic of an automobile
  • 4. Food Carts
  • 5. Social Media Agency
  • 6. Spa or Boutique
  • 7. Virtual or Visual Assistant
  • 8. Accessorize and Dress alike
  • 9. Bookkeeping
  • 10. Real Estate Agency

1. Coaching/Tuition

When you were younger, what was your favorite class? Mathematical wizardry or a specific relationship with chemistry may be to blame for your success in school. Is this the case? Then all you’ll need to get started teaching is an empty classroom with some seats, a board, a marker, and some dusters. If you are fluent in a foreign language, such as French, Spanish, or German, you may simply set up a little business by providing language classes.

As an entrepreneur, you don’t have to worry about running out of students or professionals who want to learn a new language. Cash inflow and insist certainty is also a key part of the concept’s value proposition. You may establish such a firm with a very little business loan as well, and there are several sources from which you can obtain a basic loan to do so.

2. Catering Corporation

All of us appreciate a tasty meal from time to time. Catering services are always in demand. Catering services are in high demand for events such as birthdays and anniversaries, weddings, and so on since they ensure that the food supply is of the highest quality. A meal catering business requires only a kitchen and a few people to prepare, serve, distribute, and handle the logistics of the service.

Surely you’ve always dreamed of owning your restaurant empire. A food catering business is a low-risk, high-return option for those looking to get their feet wet. You can get a small loan from a micro-finance bank and gradually grow a successful business. A catering business is always in demand, given the country’s needs and the numerous festivities, rites, and events that occur throughout the year. It is among the world’s top small-capitalization concepts.

3. A Mechanic of an automobile

Even minor maintenance to a vehicle may be a hassle. Taking a car in for repairs is a hassle for most of us since we rely on our vehicles to get us from A to B, and that means either a long wait at the repair shop, a rental car for the day, or a ride from a friend or spouse. Both of these solutions are pricey and inconvenient.

The good news is that while an auto shop’s equipment is required for some repairs, many maintenance and repair services may be completed with only a few basic tools. A mobile vehicle repair service might be one of the most lucrative business ideas for a professional technician in the US, UK, Europe, or any part of the world. At the customer’s home or workplace, you can provide oil changes as well as fluid refills, battery replacements, and headlight repairs.

4. Food Carts

As time goes on, the food truck or cart faction is expected to expand. It’s getting increasingly difficult for up-and-coming specialized food producers to afford a brick-and-mortar facility in the busy cores of major cities around the country where their consumers are most likely to be.

There is no better answer than food carts. You may start a food cart by going on the road and setting up shop at home events, markets, town square, or any other location that is likely to draw a crowd. Your grandmother’s legendary dumpling instructions or that outlandish dessert concept may become a profitable company thanks to the cheaper overhead and more geographic flexibility of a food cart.

It’s important to keep in mind that larger, trendier towns like San Francisco and Portland already have an oversaturated food truck industry, so a slighter heartland metropolis may be more successful. Get in touch with your general health division to locate out what regulations, business licenses, and safety compliance standards apply to food trucks, as well as what food business insurance is necessary.

We have listed low investment food business ideas that you must check now.

5. Social Media Agency

social media

The majority of today’s generation grew up in the age of social media. Customers expect businesses to be active on social media and to respond quickly to customer care requests made through such channels.

Even while most small company owners are aware that they must use social media to promote their products and services, just tiny percentages have the time or knowledge to effectively “do social media.”

It’s possible that if you’re well-versed in social media platforms like Twitter, Facebook, and LinkedIn, and have landed every job you’ve ever applied for, you could start a solopreneur business providing social media management services to other companies. Be a social media consultant. A social media consulting organization may quickly become one of the most lucrative small enterprises in today’s world.

6. Spa or Boutique

Personal hygiene, fashion, and grooming services are continuously in demand. Selling and brand relationships are the keys to making a lucrative business out of your initial outlay in the shop, raw materials, and staff. It’s easy to get a small company loan for this purpose. If you’ve ever dreamed of becoming your boss, now is your chance.

7. Virtual or Visual Assistant

A professional or corporate assistant was an essential part of the pre-recession business world. It’s been years since many people had the time or money to hire a full-time personal assistant, yet many of those people are still unable or unwilling to do it.

Because of a lack of workers, virtual assistants have emerged as a mix between freelance work and side hustles. As just a virtual assistant, you may pick your clients and set your schedule handling emails, organizing meetings, booking flights, and other simple activities to help your customers’ life run more smoothly.

A laptop and then internet access are all that is required to get started in this lucrative company.

8. Accessorize and Dress alike

Where owning fewer goods is desirable and necessary, and resources are instead shared. For these enterprises, the trend has led to modest business prospects, which provide borrowed or rented apparel and accessories for a fraction of the purchase price. Because a single item of inventory may earn money in various ways, these businesses have tremendous profit potential.

Do you have a unique sense of style and a sense of trend that other rental companies don’t? Then this next big thing might be you.

A dynamic dollar fashion startup may be out of your reach, but you may still benefit from local shared fashion even if you’re not. Host a lending event for teenagers before the next semi-formal by gathering some of your favorite accessories or outfit options. It’s a terrific way to get money if you live in a small city, where Greek organizations formals are commonplace. Your business has the opportunity to be more lucrative than the bigger businesses since you’re eliminating shipping costs.

9. Bookkeeping

It is impossible to run a business without dealing with accounting and bookkeeping. When it comes to managing a business, many entrepreneurs find money management to be their greatest nightmare. Even if you’re merely a QuickBooks master, you may be the ideal pick to set up businesses by keeping the finances of other entrepreneurs in line. Accounting, bookkeeping, tax planning, and payroll processing have historically been among the most lucrative enterprises for entrepreneurs.

As a bookkeeper, you’ll be responsible for handling invoices and payroll, as well as keeping track of expenses. To help company owners file their taxes, prepare accounting records and other accounting papers and make expert suggestions concerning your client’s bottom line, you must hold a CPA license.

10. Real Estate Agency

Why not become a rainmaker in your own company? I’ll have to check it out. It is possible to open a real estate agency with a little study into the local real estate market and an awareness of the potential for both residential and commercial real estate. It’s possible to make a lot of money as a real estate broker if you’ve got outstanding communication and interpersonal abilities. As your network grows and you play a role in additional sales, the commission you receive may make the business endeavor a highly successful one with minimal investment.

For first-time entrepreneurs, firms that are easy to start, have modest startup costs, and can capitalize on a market need or trend are likely to be most lucrative. The selection of the most lucrative small enterprises demonstrates that there are several options for business owners with varying levels of expertise and interests.

It all boils down to picking a winning concept, preparing, and launching your firm, and you’ll swiftly enjoy the rewards of a highly profitable endeavor.

matt harbour
Methew Harbor

Matthew is a Co-Founder at BusinessFinanceArticles.org. Matthew was a floor manager at a local restaurant in Wales. He lost his job after the pandemic and took initiative to make a team and start the project.

Filed Under: Business, Career

What Are The Signs That You’re Ready To Retire?

Last Updated on December 20, 2021 By Jason Obrien Leave a Comment

Retirement is one of the most challenging topics for many people. Some people have to forcefully retire because of an illness, job loss, or other reasons. On the other hand, some people even fear thinking about retiring. It is either because they love what they do or aren’t ready to face the unknown.

What’s more difficult is deciding what the right time to retire is. Some people plan out their retirement according to age (usually above 60), while others set a financial goal. However, it is imperative to ensure that you have enough to support yourself and your family before giving up your paycheck. Read the seven signs given below to make your retirement assessment easier.

You’re Ready To Retire

Table of Contents

  • You have enough financial support
  • You don’t owe anyone anything
  • You can cover your healthcare
  • You have a plan for emergencies
  • You have a social life
  • You have a hobby
  • You know about your tax bills
  • Conclusion

You have enough financial support

Financial support is the first thing you need to think about before retiring. Ask yourself whether you have enough money saved? And will you be able to live comfortably with that amount? Figuring out finances can be a hassle. You must understand that you cannot live on social security alone. You need to have some extra source of income to ensure you can sufficiently fulfill all your needs.

Consider hiring a financial planner. Financial advisors are highly qualified professionals who can help you set realistic goals, save time, minimize self-bias, and reduce stress. However, no one can tell you a fixed amount you need to retire. Your expenses will also highly rely on where and how you live. For instance, many say that retirement in Australia is pretty costly because prices are skyrocketing compared to other countries. Still, no financial advisor can tell you exactly how much do you need to retire in Australia or any other country for that reason. However, they can give you a pretty close estimate that can help you decide whether you should quit now or later.

You don’t owe anyone anything

Paying debts can become a nightmare without a steady stream of income. So, if you have any unpaid mortgages, loans, credit lines, credit card balances, or any other debt, know that it is not a good time to retire.

Your savings and money post-retirement should only cater to your personal needs and requirements and not pay off your debts. Some finance experts also call retiring with debt a ‘financial sin.’ By paying off debt before retirement, you can reduce the amount of interest paid overtime. You can also enhance your credit score and remove the emotional/mental burden off you. And most importantly, you will be able to focus on your savings solely for retirement purposes. It is always helpful to have a pre-plan and remain organized whenever you plan to retire.

You can cover your healthcare

It is astonishing how costly healthcare has become. It would be almost impossible for an average person to afford primary treatment without external help or some healthcare program. Medicare usually begins at the age of 65 and above. So, if you are planning to retire before that, you must look for ways to cover your healthcare.

If you get healthcare benefits through your spouse’s or a family member’s employment, then that is a sign that you can retire early. Similarly, you can also retire if you have health insurance to conveniently pay out of your savings. Several private health insurance schemes offer tax-free distributions to provide pocket-friendly medical plans.

You have a plan for emergencies

Emergencies can strike at any time. As much as we don’t like thinking about something wrong, we must always remain prepared. 

An emergency fund is crucial because it will help you deal with unanticipated circumstances in the best way possible. You might need a sudden car repair, home repair, or pay major dental expenses. Sometimes people need to travel or pay a bigger-than-expected tax bill unexpectedly. There could be several other reasons, and therefore, you must have a plan to cope with emergencies. Planning such scenarios will help avoid panicking and stressing out later if anything happens.

You have a social life

Having friends or family or both is highly essential when you retire. Even if you want to spend your retirement years alone, there will come the point when you start feeling lonely and isolated.

Often, people make their job their identity. Their social life lies within office boundaries. If you are also like them, make sure you find a new social circle before quitting. Otherwise, you might feel lonely and alone. Keep in mind that you will no longer get the chance to meet, have lunch, or converse with your colleagues once you retire. If you can live with that fact, then that is a sign that you are ready to retire.

You have a hobby

As mentioned above, retirement isn’t easy for many people, especially workaholics. You must pick a hobby to keep yourself entertained if you consider retiring. Having a hobby will help you feel less stressed about leaving your job and keep you busy.

Some hobbies you can look into are joining a book club, volunteering in your local community festivals, or gardening. You can also look into learning photography, pottery, and woodworking. If you are into sports, you can join some local sports clubs and play for charities.

You know about your tax bills

The last and the most crucial thing to understand before making your retirement decision are your taxes. You must account for taxes and figure out how much savings you will have after tax deductions. If the excess income is sufficient for you to enjoy your past years, nothing should stop you from quitting your job.

Every city and country has a differing set of tax rules for seniors and retired individuals. Some are also more favorable than others, hence, do your research and then choose.

Conclusion

Retirement can be a daunting yet exciting thought. The thrill about not having to work anymore and just sitting back and relaxing is indeed exhilarating. However, the transition from a workaholic individual with a strict routine to a freebie isn’t going to be easy. You must make sure that you are both physically and mentally prepared to retire before you take any step. If you are not, you might affect both your health and peace of mind. Therefore, review the signs mentioned above, think carefully, and decide.

Jason Obrien

Jason is the Marketing Manager at a local advertising company in Australia. He moved to Australia 10 years back for his passion for advertising. Jason recently joined BFA as a volunteer writer and contributes by sharing his valuable experience and knowledge.

Filed Under: Career

5 Problems Freelancers Face While Working With Clients Across Borders

Last Updated on November 29, 2021 By Ayesha Saeed Leave a Comment

Freelancing is a perfect way to be your own boss with nobody dictating you around and telling you what to do. There are more than a billion freelancers in the world today, which indicates that this is the field to be in.

Changing economic situations and the COVID-19 pandemic pushed many youngsters to become freelancers. The field has been popular for quite some time now, but the pandemic forced all of humanity to stay indoors. During this time, millions of people lost their jobs and livelihoods; in this case, freelancing platforms proved to be a great option to earn.

The best thing about freelancing is that you don’t have to go anywhere and can carry out work from the comfort of your house. This is enough to entice people to become a freelancer. Many people with stable jobs also freelance part-time for some extra cash.

Freelancing is exceptionally fruitful; however, a few concerning issues arise when working with clients from different parts of the world. International clients prefer hiring freelancers from other countries because the exchange rates are comparatively much more economical for them.

Having clients from across the border is a wonderful feeling because you are essentially getting a decent amount of money, but this awesomeness comes with a few limitations. Let’s look at what are some of the problems faced by freelancers with international clients.

men working on computer

Table of Contents

  • 1. Language Barrier
  • 2. Communication Gap
  • 3. Payment Issues
  • 4. Tax Issues
  • 5. Time Difference

1. Language Barrier

The biggest problem that arises while working with clients from other parts of the world is the language barrier. Clients speak a different language, and some of them are not as fluent in English as others.

Sometimes this causes a lot of problems because understanding what the other person wants becomes difficult. Due to this issue, it sometimes takes a considerable amount of time to be clear about everything. This also develops a sense of irritation among both parties and the chances of losing the business increase.

What a freelancer should do in this situation is to ask all the questions as simply as possible. The skill of understanding what a client wants develops over time and with experience. So, hang in there.

2. Communication Gap

The communication gap is another factor that creates problems for the freelancer and the client. In a physical setting or a job environment, the person asking us to do a task is near us and can guide us if they want things to be a certain way.

With the language barrier already in play, not being at the same place brings out the communication gap. This results in more revisions and consumes a good chunk of time that might affect the task completion for other clients.

When the freelancer thinks they are all done and submit their work, the client informs them about the things that need to be done differently, and they might have to start working on the project all over again.

The best thing to do is gather all the minute details about the project before working on it to avoid future mishaps.

3. Payment Issues

One of the biggest problems is getting paid as a freelancer. Freelancers begin their careers with freelancing platforms such as Upwork and Fiverr. Once they are experienced enough and have gained stable clients, they try to take up the clients personally out of the freelancing platforms.

The thing about freelance platforms is that they charge a fee for bringing the clients and freelancers together. This fee depends upon the payment you are receiving, and as the payments grow, the fees increase as well. People don’t want that and move outside of the platforms. This creates payment issues because of the country differences.

4. Tax Issues

Taxes are not fun, but they are essential. In addition to your country’s taxes, there might be tax implications of the country your client is from.

You have to figure out all the taxes before getting your hopes high and later get disappointed. We suggest you get some professional advice regarding the taxation process and begin your projects with foreign clients.

5. Time Difference

Time is another concern for freelancers. Clients from across the borders have different time zones than freelancers, which can be a major inconvenience. Because of this reason, the responses can get delayed and limit your work. Getting a quick response for something important related to the task will become a hassle because of the time zones.

The same goes for the client; they will have to wait a long time if they want to get in touch with you regarding a few chances.

If you want to work with foreign clients, you either have to adjust to the different time zones by changing your working hours or communicate everything before starting the projects together.

Although there are a few complications in the freelancing world with all its advantages, you can ignore the issues. You can work around the problems and solve them, not get too flustered, and be patient.

ayesha saeed
Ayesha Saeed

A happy mom, professional article writer, SEO practitioner, blogger, guest blogger & freelancer. She’s been in digital marketing since 2018. She loves reading books and spending time with her family.

Filed Under: Career

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