How to Claim a Wrongful Death

The death of a loved one is always a difficult time. It could get even harder if the death was caused by someone else, either through carelessness or negligence. When a person or business causes the death of a person, either by neglect or lack of care, such an act is known as wrongful death.

Wrongful death can occur in various situations. Some of the more common wrongful death cases include:

  • Medical Malpractice: This happens when medical staff fails to follow all procedures, misdiagnose or miss out something leading to death.
  • Motor Accidents: Car crashes caused by the negligence of drivers, or other careless road users, which results in death is a wrongful death. If the claimant has survived, the survivor can make a personal injury claim.
  • Work Accidents: fatalities caused by working in life-threatening situations in the workplace is a wrongful death
  • Defective products: Death due to consumption of a toxic or substandard product is wrongful death.
  • Aviation errors: Although rare, plane crashes due to negligence by the airline or the airplane manufacturer is wrongful death.

However, wrongful death situations are not limited to the above cases.

Elements that qualify a wrongful death case and who can file a claim

It is vital to note that a lawyer cannot determine how much you will be compensated. A lawyer is also not able to decide on a successful outcome. However, some elements are necessary for a successful claim. A skilled wrongful death attorney should check out for details such as;

  • A death must be the result of the incident being discussed
  • A claimant must prove the death was caused by carelessness or negligence of the defendant
  • The death must have brought about financial hardships to the claimant
  • The death must have directly affected the claimant and the family of the deceased

Since the deceased is not in a position to make a lawsuit, the survivors who had a direct relationship with the deceased can have a representative who will represent them in the trial. In the U.S, the survivors who can be recognized varies according to the state.

Some survivors are recognized in all states. Spouses of a deceased person can make a wrongful death claim on behalf of the deceased spouse in all states. Parents can also claim if one of their children die in such a situation. Children can also claim on behalf of parents in all states. Usually, the more distant the relationship with the deceased, the harder it is for the claimant to be recognized.

Can a company be sued for wrongful death?

If an intentional or accidental act caused by an employee or someone affiliated to a company causes wrongful death, the company can be sued. According to the nature of the situation, the suit can be made on the employee, the company or both.

Under commercial liability policies, wrongful deaths are treated like body injury claims. If the plaintiff proves that the employee, either by accident or negligence, caused the death, the claim can be covered by liability insurance. However, terms and conditions apply. If the death was caused by intended harm, it could not be covered by the liability policy. A company can have multiple lawsuits. An example is the Ohio Hospital case which had over seven lawsuits.

What types of damages can be compensated?

If the survivor is recognized as a valid claimant, and the court rules on the claimant’s favor, the damages that can be compensated include:

  • Burial expenses and medical bills
  • Had the deceased lived his normal life expectancy, the wages lost can be compensated.
  • The pain caused to the family members
  • Punitive damages to work as an example to people with similar behavior in the future.

How long you can wait to file a lawsuit depends on the state. In some states, a lawsuit that is delayed for too long may bar you from ever making such a lawsuit. Again, not all states allow punitive damages as an avenue for compensation. Consult with a wrongful death attorney for expert advice.

A wrongful death claim is a civil case. However, it is possible to file wrongful death claims in addition to a criminal charge. Criminal charges and civil cases are not related. A defendant can be found guilty on one and found innocent on the other. Criminal charges also require a higher burden of proof and are not compensated.

Reasons to Consider Using a Sleeper Chair for a Better Night’s Rest

Why Sleep is So Important

It is recommended that adults get anywhere from seven to eight hours of sleep every single night. Unfortunately, different issues can come up that make it nearly impossible or difficult to get a good night of sleep. As you begin to age, this might be due to back pains, leg issues, and arthritis. It could also be that your bedroom is too far away from a bathroom if you have to get up several times a night. For this reason, a lot of people are beginning to choose sleeper chairs to help them out.

As we age, it can be more and more difficult to get a good night’s sleep. Back pain, arthritis, and issues with incontinence can make it next to impossible to sleep properly. This is why many seniors and disabled individuals are choosing to go to and are finding the best sleeper chair for their needs. This is allowing people to finally sleep well in a comfortable and convenient way that benefits their health issues and conditions.

How to Get a Better Night Rest

The best option for sleeping better is choosing a sleeper chair. These chairs can be put anywhere around the house and are incredibly comfortable, no matter who chooses to use them. Plus, with the stylish designs and colors out there, it is easier than ever for you to choose a chair that is going to complement your home beautifully. You will also find that these chairs are very comfortable and are easy to sleep in even if you experience body aches, pains or issues with mobility. This is the choice many people are making when it comes to improving their quality of sleep right away.

How to Pick and Choose a Sleeper Chair

Because there are a multitude of different sleeper chairs out there, it is relatively easy to find the one that is right for you. You can choose the chair according to how it looks and the color that is is. You can choose the chair depending on its size and how it is going to accommodate your needs. You may even want to consider choosing the chair based on how much it is going to cost and what you are able to afford with it right now.

Using it Night After Night

The best thing that you can do when it comes to actually benefiting from the sleeper chair is to use it night after night. This ensures that you get a good night of sleep and are able to sleep where it is most comfortable for you. You will love having a good night of sleep and know that you are using an option that is built specifically for this reason. Because there are a lot of different chairs out there, it is easy to find the one that fits your needs well and that will be effortless on your budget.

The most important thing is to search for the different sleeper chairs that are out there and then choose the one specific to your own individual needs. Once you have made the decision to use this option, it is a matter of figuring out what is right for you and how much you want to spend on this particular option. There are so many reasons to utilize sleeper chairs, whether you just want a better night of sleep or you are dealing with a disability of any kind. You will like that there are lots of sleeper chairs for you to choose and can decide based on your needs as well as your budget.

In some cases, insurance companies will cover the costs of sleeper chairs if this is a medically necessary option for your sleep or comfort. This is something you are going to want to discuss with your healthcare provider so that you know exactly what to expect out of this option. There are lots of people right now who are making use of this option for themselves and are realizing just how beneficial it is for them to get this product and begin to use it every single day so that they are able to sleep easier without the pains and problems they experienced before.

7 Reasons Why People Use Drugs and Alcohol

The reasons why certain individuals abuse drugs and alcohol range for each person. Most people are trying to cope with their emotions or fill a void in their life, and they abuse drugs and alcohol as an outlet. A young adult may use drugs and alcohol to fit in with their friends. They may think it’s socially acceptable to party and abuse substances. Many people use drugs and alcohol to self-medicate and deal with the stresses of everyday life. From genetics to mental health problems, many individuals turn to substances to cover up something painful in their lives.


Individuals are more likely to become addicted to drugs or alcohol if they have a history of addiction in their family. They could have a close blood relative, such as a parent or sibling, that is suffering from an addiction problem or is recovering from addiction at Harris House.

There has been a direct correlation between genetics and social factors that explain why some individuals are addicted to drugs and alcohol and others aren’t. Children of alcoholic parents are at a higher risk for alcohol issues. Most of those children showed higher levels of impulsive behavior.

Cultural Attitudes

The value that a person places on drugs and alcohol is influenced by the community that person lives in. Students drink more at colleges that are known for their partying and drinking atmosphere. Those who have easier access to drugs and alcohol are likely to fall into those types of habits. Social norms have also defined when it’s appropriate to drink and how much to drink.


Individuals struggling with stress, anxiety, depression, and other factors may cause them to turn to drugs or alcohol to treat their pain. This type of self-medication is at the heart of many addictions and mental health disorders. These individuals use drugs or alcohol to manage their negative emotions or reactions.

Alcohol is mostly used to deal with social anxiety. Addictive behaviors are driving by people’s fear to feel and experience pain, fear, frustration, and other negative emotions. Instead, they choose to avoid these emotions and numb themselves with drugs and alcohol instead.


Addiction typically occurs when an individual feels lonesome. They may feel like an outcast or isolated themselves from everyone in their inner circle. They take drugs or drink alcohol to deal with the pain. They’re trying to fill the void they’re missing in their lives. Addiction can also occur in those who feel as if everything has failed and they can’t get the help they need.

Temporary High

Most turn to drugs and alcohol simply because the side effects make them feel good. They love the temporary high they get from using from these substances. While men and women drink for different reasons, they love to drink because of the effect achieved from drinking alcohol. This may seem obvious to most people, but these individuals love the feeling so much that it can be hard to stop. It may be hard for them to see the effects of abusing something that makes you feel good.

Mental Health Disorders

Anxiety, Bipolar disorder, depression, and post-traumatic stress disorder (PTSD) put those at a higher risk of developing a substance abuse problem. Using drugs and alcohol to manage their emotions may seem easier than choosing the path to recovery.

Though it may seem impossible at times, there is help for those struggling with mental health disorders. They can take non-narcotic medication to help manage their mental health disorders. They can research a licensed doctor who can help them find healthy alternatives.

Peer Pressure

Peer pressure is usually targeted towards adolescents or young adults, but it applies to individuals of all ages. The need to feel attractive and accepted is a need that’s built into most human beings. Some people feel they need to use drugs and alcohol to get along with others art parties. The pressure of hanging around people who abuse drugs and alcohol can push someone else down the same path.

There are many reasons why individuals get addicted to drugs and alcohol. This list doesn’t stop here. Knowing the reason why you use drugs and alcohol is just half the battle. When you educate yourself on the risks of drugs and alcohol, you can get the help you need.

Pests in Your Home are More Than Just Annoying

It’s not uncommon to find an occasional ant or hear a noise in the walls from a pest getting into your home. The problem is that many pests, whether it’s a mouse or the common house fly, can wreak havoc on your home’s structure or promote an unsanitary environment for you and your family. Luckily, there are ways to remove pests from your home through specialized pest control services equipped to deal with everything from a budding colony of bees to a full-blown rodent infestation, and everything in between.


That seemingly harmless creature that roams your kitchen at night seeking food and water is a carrier of many diseases. If you reach under the sink or into a drawer and happen to startle the little fella, you may end up getting bit. Mice can carry a variety of diseases and deadly bacteria like Lyme, Salmonella, and Typhus, and one bite can have serious health consequences. They also leave behind droppings wherever they go and this can lead to your family getting the Hantavirus from eating out of pots and pans exposed. If that wasn’t enough, they also like to take up residence in your walls and drawers. And, in order to make it a comfortable habitat, they chew into the wood of your cabinets, drawers, and walls. As a result, they can also end up damaging your home’s insulation and electrical wiring.

House Fly

As the warm air rolls in and you open your windows to let the fresh air inside, you’re also letting in the common house fly. Most people simply view them as an annoyance as they always seem to hover around the kitchen table. However, this little pest is more than just an inconvenience that you swat away to keep at bay. It can carry over 100 pathogens and spread multiple viruses and bacteria throughout the home. If they land on your plate, they leave behind polluted saliva, derived from their previous collected food source. This can include a rotting animal carcass and animal feces.

What You Can’t See Can Be Costly

Other pests, like the termite or silverfish, can go undetected for a few months or even a year. When they finally surface and you discover them, the damage to your home’s structure can be quite extensive. Since their sole purpose is to turn wood into cellulose for consumption, your home’s structure is at risk. They move slowly, so early detection can prevent the need for spending thousands to repair your home.

What You Can Do To Prevent Pests

No one can eliminate all pests from entering their home. However, you can take steps to ensure that your dwelling does not become a host to many species. Clearing debris away from the foundation, cutting back tree limbs away from the home, moving trash cans 50 feet away from the home and cutting off all sources of water are helpful outdoors.

Inside, it’s important to maintain a sanitary environment. Doing things like securing all food sources in plastic containers, wiping down counters and cleaning floors regularly are all positive measures you can take. You should also have the plumbing checked annually to make sure there are no leaks in places like your basement and underneath sinks and repair any holes in your window screens.

Pests are ugly, dirty and uninvited. Unfortunately, they can also cause you or a family member to become sick. And, once they get into your home it can be difficult to remove them. It’s important for every homeowner to have an inspection done once a year by a professional pest control service to do a diagnostic check of what may be present and then take steps based on the findings to make your home a safe and secure place for you and your family.

Coping with The Sacrifices of Being the Parent of a Special Needs Child

They were right when they said that having a child changes a person’s life. Children are by far one of the greatest treasures a person can be given, but with that gift comes a lot of sacrifices. Throughout parenthood, adults on some level end up sacrificing their time, money, personal relationships, social life, career, dreams, and heart. You’d give anything to make sure that your kids have a happy, healthy, and prosperous life. So you can only imagine how these sacrifices are multiplied when your child is diagnosed with a medical or developmental disorder.

The Emotional Despair

Finding out that your child has special needs is an emotional time for parents. You love your child with all your heart and to find out that they won’t have a “normal” childhood hurts. You grieve, not only for the complications your child may endure but for the sacrifices that you’ll have to make as their caretaker. Many parents become stressed and overwhelmed by the news and the great strength it will take to press forward. Getting through this requires that they change their expectations and learn how to provide their kid with the best life possible, without sacrificing themselves in the process. Here is some advice:


One of the first things you sacrifice is your emotions. Many parents of special needs kids feel as if they must hold in their own feelings for the sake of their child’s. After all, it is their child who is going through the pain, various treatments, surgeries, social isolation, and overall complexities of life. Who are you to feel anything?

While it probably isn’t best that you break out in tears in front of your child when they’re in pain, struggling, or feeling down, that doesn’t mean you should shut your own feelings out. Take time to grieve and not be ashamed of it. Talk to a therapist, join a support group with other parents, or vent by writing in a journal. Keeping it all in will only result in an emotional breakdown which makes it impossible for you to give your kids the care they need.


Every adult knows that raising a child is costly, however, when your child has special needs, these costs go through the roof. From prescriptions and medical visits to surgeries and medical supplies, there are a lot of things you’ll have to cover out of your own pocket. This essentially reduces the money you have to provide other things your family needs to survive.

Caring for a special needs child is expensive, but there is a lot of help out there. Parents can look on sites like to find discounts on medical supplies, they can look at their insurance provider for coverage of medications and procedures, open health savings account to save on copays and out of pocket medical expenses, and look into government programs for other assistance.

Social Life

When you have a child your social life takes a back seat. You may have friends that you talk to from time to time, however, your interactions aren’t quite as frequent. Your schedule essentially revolves around the kid’s schedule leaving you with very little time to go out and socialize. Penciling in outings for healthy children may be as simple as asking someone to watch them for a few hours. However, when you have a special needs child, you can’t just hire a babysitter from your neighborhood to watch them.

You still need time to do things you enjoy. It gives you a break from the pressures of being a caretaker and allows you to be a more effective parent. You can train certain willing family members on how to care for your child so that they are alright while you’re out having fun. You can also consider hiring a nurse for a few hours who has specialized experience with special needs children.


Many adults end up sacrificing their careers in order to raise their children. Instead of going to school for years to become a lawyer or doctor, a parent may have to accept a “job” that pays the bills for the family to survive. When you have a special needs child, however, you sacrifice more often. Unpredictable issues with your child could cause you to have to take off more time than the average parent which can make it difficult to hold down a job.

Parents of special needs kids might consider looking for a job that coincides with what their child’s needs are. Working at a school for special needs children or at a non-profit that supports treatment for children with medical disorders would suffice. You might also consider starting a home base business.

There is nothing easy about being a parent. These trials and tribulations are only heightened when your kid has special needs. You can get through this. Caring for your child goes beyond making sure they take their medicine, attend doctor’s visits, and undergo surgeries. It also means caring for yourself. Yes, sacrifice comes with the territory of parenting, but if you’re going to give your child the best life possible, sacrificing your very being is the last thing you want to do.


Helping Your Child Recover from an Accident

As parents, we always worry about the chance that our children could get hurt. That worry is compounded when you live in or frequently visit somewhere as big as New York City, with jam-packed streets and expressways providing danger in every borough. We shudder at the thought of them experiencing the pain and fear associated with a significant injury.

When something happens, we can’t take the pain for them, but we do have the ability to reduce the pain for an injured child. We first need to be as safe and smart when traveling as we possibly can, but when the unthinkable happens, we must react correctly. The most important step is to seek the appropriate medical care, of course, but the process often doesn’t end there. In fact, it may be just the beginning.

Your child’s complete recovery from an accident will involve several factors, all of which could prove expensive. That is why it is essential to know good NYC personal injury lawyers who will help you recover the financial compensation that it will take to get your child’s life back to as close to normal as you possibly can. The long list of expenses will help you see why a quality settlement is important.

Medical Costs

The medical bills arrive first, starting with an ambulance bill and followed by the emergency room, the ER doctors, radiology, inpatient care, physical therapy, and many more. The Big Apple has some of the best hospitals in the world, but they aren’t cheap. They add up to huge numbers in a very short time, and when someone else is responsible for the accident, you will need legal representation to get the money it takes to settle up with all the caregivers who have helped your child.

An insured driver may have enough coverage to handle those direct costs, but what about your missed wages, your travel, your meals, your lodging, and all the other costs involved in your child’s care? There may be constant, even daily trips across the city from your home to the hospital or rehabilitation facility, and all those expenses will be left on you.

Help At Home

We think of the return to home as the final step in recovery, but it’s not always so. If your child is recovering from broken bones and you must return to work, who can attend to him or her? You may need to hire a skilled person to help your child do therapy, to take medicine, and even just to get around the house.

Good care in the home after an injury is expensive, but being back home is a powerful cure for a child’s sensitive emotions. It is essential that the return to familiar surroundings does not lead to setbacks in recovery due to falls, lack of medication, or poor rehabilitation.

Emotional Recovery

Accidents are scary for anyone, but children are especially sensitive to the psychological impacts of an accident. They may have nightmares or be anxious about returning to the area where the accident took place. These emotional burdens can prove crippling to the child’s ability to enjoy life, and intervention is vital.

Getting good emotional care for your child can help with a more complete recovery, and there is plenty of it available in New York. The cost of emotional care can go on for some time, so a good settlement is essential to fund your child’s care.

When your child gets hurt in an accident, it can be easy just to wish it would be over with as soon as possible so that you can get on with your life. However, the best way for your child to move on is to get all the care necessary to heal body and mind, so it’s incumbent on you to do what is necessary to make that happen.

Common Childhood Disorders: Causes and Treatments

Seeing your child suffer from a disorder is heart-wrenching. Their smile and laughter resonating your core, knowing their life is met with struggle. Yet, their spirits persist.

An estimated 17-22% of children carry some symptoms of mental disorders. This staggering statistic also provides some form of comfort. Society and science have created awareness for these disorders. Great efforts and practices have helped address issues.

In this article, you’ll learn the common types of childhood disorders, what’s possibly causing them, and how you (the parent) can seek treatment.

The Most Common Childhood Disorders

Are our children more prone to disorders because of our changing environment? Or, is it the result of better identification techniques and awareness? Disorders have always been present in children — we simply did not have the understanding to treat them.

What are the most common childhood disorders? Try:

  • Attention Deficit Disorder
  • Anxiety
  • Autism
  • Bipolar Disorder
  • Depression
  • Eating Disorder
  • Post Traumatic Stress Disorder

The disorders we experienced start young. We haven’t quite pinpointed the cause of mental disorders. But, we do believe much of it stems from genetics, trauma, and abnormalities. Environment and relationships also play important roles in mental development.

Treating and Managing Your Child’s Disorder

The only way to approach the disorder is through diagnosis. A trained medical professional or specialist will identify and verify the signs. Then you can begin exploring the options.

What options do you have, as a parent?

Dietary Needs

Consider your child’s diet when factoring their overall well-being. It’s believed a vitamin deficiency has causation with mental health disorders. This includes disorders like depression and irritability.

Besides a healthy diet, factor their liquid ingestion (or lack thereof). Simplythick, a thickening agent, can help children hold down foods when they’re too anxious or resistant to eating. Otherwise, consider engaging your child’s dietary needs by creating enjoyable activities found through cooking.

Creative Outlets

A child may exhibit attention disorders because they lack challenge. This is similar to a lack of creative outlets found in their education and routines. The broad materials simply do not interest the child, so it’s no wonder they’re having trouble concentrating or completing tasks.

Add novelty to routines. This could involve adding gaming elements to create a sense of participation and progression. Or, use interactive learning platforms (ex. Legos or Minecraft: Student Edition) as an educational tool. These items create a novel approach to education — enough to keep their interest.


Positive actions encourage positive lifestyles. Parents should attune to their children’s need for expression while maintaining routines set to build skills, socialization, and introspectivity. These actions follow what we, parents, do to cope with stress and reach goals.

Routines (ex. chores) do not need ruling with an iron fist. Find a middle-ground between activity and reward — one the child feel compelled to participate. These small accomplishments, along with positive lifestyle/wellness choices, can help stabilize the child’s mental well-being.


Your child has a complex range of emotions. They likely understand and know more about the World than you realize. Or, have been exposed or experienced things you’d never have imagined. This is the time for talks — a time for listening.

Open a dialog with your child, giving them a verbal outlet without repercussions, and you introduce incremental progress in handling and overcoming their disorders. This helps both parties identify triggers while creating ample support so they aren’t alone addressing their feelings and disorders.

Stay Strong, Mom

Our public awareness of mental health disorders has increased two-fold in the past decade. We’re no longer seeing disorders as “a tick” or “that’s just how kids act”. We’re no longer taking a blanketed approach of sedating our children with medications, either.

Your child’s disorder will likely follow them throughout their lives. Yet, all is not lost. They can (and will) have a wonderful life with the right identification and treatment. Stay strong, mom, and take action. Visit your family doctor to see how you can help.

Called Out to Look After the Kids? Ways to Pay the Bills While Taking Care of Home

Ugh! You just got a call from the kid’s school and they’re not feeling well. Unfortunately, this means you’re going to have to take some time off from work. Unless you have an arsenal of sick or vacation days saved up (which most moms don’t), you’re going to feel your absence from work when payday arrives. This is especially true if your little one has something like strep throat or the flu which could keep them out of school for a week (or more).

Sure, your first obligation is to the health and well-being of your child. That doesn’t mean everything else comes to a halt. You still have to pay the bills and put food on the table. Money may be tight for the next few weeks, but there are some things you could try to make sure the bills are taken care of while you nurse your little one back to health.

Tap Into Your Emergency Savings

Hopefully, you’ve been setting money aside for a rainy day. You can use the money you’ve been saving to tide you over until you’re able to return to work. Just be sure to budget to replenish your account because you never know when you might need to dip into it again.

Apply for a Short-Term Loan

When the bills are backed up and your savings is short, one of the first places to look for relief is a loan. Even if you don’t have the best credit in the world or collateral, there are still lending options available to you. Short-term installment loans for bad credit are easy to qualify for. Simply fill out the online application to get as much as $1250 deposited into your checking account within a business day. You can set up low monthly payments that fit into your budget so you don’t have to max out on your next paycheck.

Look to Your Side Hustle

Here’s where having more than one stream of income comes in handy. Side hustles are fairly common these days and can help with everything from giving you some extra gas money to putting food on the table. Once you’ve tucked your little one in bed, hit the computer and look for ways to earn money on the side. Answer surveys, write blogs, post on social media, or design websites and get paid for it.

Charge It

Although going further into debt shouldn’t be your first option, it may be the only option you have at the moment. If things are really tight and you need some cash, you can simply charge it to your credit card. Once you’ve returned to work, make sure that you repay the credit card in full to avoid ruining your credit or going further into debt with interest.

Bring Your Work Home

There’s so much technology these days that you could very well bring your job to your house! Depending on what kind of job responsibilities you have, you could take some of your work home with you so you can still get paid. Talk with your supervisor and human resources to determine if this is possible. With access to applications used in the office and files, you could actually make more progress at home than you did at your desk.

Talk it Out

If your bills are really creeping up on you and you won’t be back at work anytime soon, it’s best you talk it out with your creditors and service providers. Explain your circumstances and try to negotiate a hold on the payments, a new payment date, or an arrangement to get caught up once you do return to work. Trust that it’s a lot easier to work with your creditors and service providers than it is to ignore them. They will most certainly try and help any way they can to reduce your out of pocket costs while you’re tending to your family.

A mother’s job is never done. When your child’s health isn’t the best, you’ll need to be right by their side. If it’s going to cause you a problem financially, there are some routes you can take to make things easier. Each of the above-mentioned ideas will get you the cash you need to tide you over until you return to your other full-time job.

Alternative Investment Ideas Gaining Steam as Way to Pay for College and Reach Other Financial Goals

When most of us think about why folks invest, the top reasons that typically come to mind are to build wealth for a financial future or to create a nest egg that is large enough to fund a comfortable retirement.

One important financial goal that is often overlooked is the need to save to pay for our children’s college tuition and expenses. Investing can be an important part of securing your children’s future, as nowadays it’s practically impossible to get ahead and succeed in life without an advanced degree from a leading institution of higher learning.

Investments Beat Simple Savings Due to Growth Potential

Regardless of your financial goal, investing increases the odds that you will have the amount of money that you need later on down the road. This is because many investments have the potential to grow at a rate faster than the rate of inflation. This is drastically different than traditional savings products such as simple interest-bearing deposits, money market funds, and Treasury bonds and notes whose rate of growth is typically very low.

Reach and Exceed Your Goals

The following is a list of investment ideas to help you prepare for the future so that you can fulfill your hopes and financial aspirations, whatever they may happen to be.

Foreign Currencies

One investment idea that is gaining in popularity is foreign currencies. Several countries are becoming attractive investment opportunities due to their high rate of growth. The economy in Iraq, for example, is experiencing rapid growth as the country’s government extends its control over a growing number of areas. Stability is returning, and businesses of all sizes are springing up as key infrastructure is rebuilt.

Investors can reap the benefits of this economic boom by purchasing the Iraqi dinar and other foreign currencies through a reputable and experienced currency exchange company, such as Treasury Vault. While the price and value of foreign currencies are usually fairly volatile, this type of investment offers some protection from large-scale economic downturns that affect the value of the U.S. Dollar and other major currencies such as the Euro, and British Pound.

Alternative Investments that Can Beat Traditional Stocks and Bonds

Foreign currency is an example of an alternative investment that can offer protection from the risk of loss that may occur if there is another “Great Recession” or another event that causes a sell-off in more traditional investments such as the Dow and other markets where stocks and bonds are publicly traded.

The following are some additional nontraditional ideas for investing your money for a higher potential yield.

Classic Cars

Since the first Model T rolled off the production line in 1908, Americans have an obsessive love-hate relationship with their automobiles. Numerous makes and models of the most popular cars and trucks have increased in value over the years, which makes owning a classic car a potentially lucrative investment.

Limited production runs, the overall condition of the vehicle and whether it has all of its original parts and features, especially the original paint, floor covering and seat covers, can all affect its value.


Move over, Picasso! Fine art was once a popular alternative investment. Signed works of art created by the old masters and other well-known, highly skilled artists are starting to fall out of favor with collectors. Now, signed, limited copies of photographs are all the rage with fans of modern art and investors.

Peer-to-Peer Lending

Many traditional savings accounts are currently earning less than 1% interest on the deposit, making them one of the least attractive options if you need to save for college, a down payment on a house or any other financial goal. To be profitable, you need an investment strategy with a potential for high growth and yield.

One alternative investment that’s really taken off since the last economic downturn is financing the debt of others. Lending Club is just one of the many firms that allow investors to pool their investment with others and issue personal loans.

These firm have various criteria that borrowers must meet before they qualify for a loan, which helps to lower the risk. While there is a chance that an individual borrower might default and not pay you back, you can lower the risk of loss by making several smaller loans to multiple borrowers and then lean back and reap the rewards as these loans typically earn investors 5 to 10% interest or more!

Maintaining Your Home to Protect the Health of Your Family

Owning a home is a big deal to most Americans.

It provides you with a place where you can enjoy your privacy and entertain friends. But, owning a home also means that you must maintain it. If you or a member of your family is experiencing allergic or cold like symptoms frequently, your home may actually be the cause. The good news is that there are ways to protect your family by performing regular maintenance on your home to improve the air quality.

Air conditioning and heating system

Your air conditioning and furnace keep the home comfortable for you and your family. But if not maintained regularly they can lead to chronic health problems. Fortunately, you can improve the air quality in your home rather quickly. First change your filter on the furnace regularly. The function of the filter is to remove dust, dirt, debris, allergens and other contaminants from the air. When your filter is used too long it no longer able to serve the intended purpose. Secondly, clean out the air ducts once a year. This will help to prevent the presence of mold, bacteria, and viruses. If left unserviced, the risk of these things growing and spreading throughout your home every time your HVAC system turns on greatly increases. If a new air conditioning installation project is needed, have the system annually serviced by a licensed professional going forward. This helps to make sure it’s operating smoothly. If you avoid doing this and a problem occurs, even a small one, you could put your family at risk.

Repairs leaks

The presence of moisture is a clear indication that there is a leak somewhere in your home. Do a thorough search of the plumbing, hot water heater, as well as your roof and windows. If your roof is older it’s a good idea to get a contractor out to look at it to make sure that none of the shingles are missing. It’s also important to remove any potential hazards away from your roof and siding like tree limbs, branches, and scrubs. Ignoring a leak can lead to serious health issues for you and your family. Mold and mildew can cause different symptoms from annoying to serious depending on your age and your body’s reaction to it. It can cause clogged nasal passages, irritation to the throat, coughing, wheezing, watery eyes, and even rashes on children with sensitive skin. Other who develops a serious reaction can end up with a compromised immune system and can end up with a serious infection in their lungs.

Protecting your family from rodents

Finding droppings in a cabinet is more than just a nuisance, it can have serious health consequences for you or a member of your family. The most common problem caused by rat and mouse droppings, urine or dander is an allergic reaction. This most times is very similar to that of a cold wherein the person who has the reaction to the pest coughs, sneezes, develops a sore throat or a skin rash. An allergic reaction is the least that can happen. There are much more serious and potentially life threatening illnesses that can also occur. You or a family member could acquire a disease like Hantavirus or a bacterial infection like Leptospirosis, which can transmit from a rodent to a human. Thankfully, there are ways to remove the potential risk by having a reputable pest control company come out a few times a year. For your part, you can seal any cracks or holes, no matter how small they look to you, to avoid any unwanted trespassers from entering.

Materials and furnishings in your home

It’s not something you would think of, but your furniture can actually play a role in your chronic health issues. If you own furniture that’s made of certain pressed wood products such as Medium Density Fiberwood, you could have toxins slowly filling the air of your home. In order to create MDF they bond wood solids, wax, and resin together under high heat and pressure, to create a strong solid wood-like substance. The problem is that during the manufacturing process, formaldehyde gets used and if the seal is not airtight toxins can escape into your home. Lead is another potentially harmful substance that can be on the wall or window sill of a child’s bedroom. Luckily, this is a problem that’s very easy to fix. If you’ve purchased an older home make sure that you remove the old paint and replace it with a fresh coat.