business-credit-course

Dear Friend,
“It takes money to make money!”
That’s the truth, isn’t it?
Ask any over-worked, stressed-out entrepreneur today what keeps them up at night, worried sick, and they’ll tell you it’s not having enough capital.
Because let’s face it… There’s really only two ways to grow a business:

Click Here!

What Happens if You Die Without a Will?

Last Will

Have you created a Will yet?
I can help you get this done for you,Why put off until Tomorrow, What We can do TODAY!

If you haven’t, you’re not alone. According to a Gallup poll, only 44% of Canadians had a Last Will and Testament in 2016.
A Will is a legal document that specifies how your assets and property will be distributed after you pass away. For instance, you can use it to give specific gifts to individuals or organizations (including charities). To ensure all of your instructions are carried out properly, you appoint an executor to administer your estate.

Why Should I Make a Will?
Many people assume creating a Last Will is a task to be done near the end of life, but there are some compelling reasons to make your Will now, particularly if you have children who are still minors. If you die without a Will, the state will appoint a guardian who may not serve their best interests as well as your choice of guardian might have.

A Will specifies who will inherit from you—and allows you to disinherit individuals who otherwise might have inherited. Furthermore, having a Will in place speeds up the probate process for your executor and can lessen the burden of estate taxes.

family
What if I Die Without a Will?
Dying intestate means to die without a Will. Should you die intestate, the government will decide what happens to your assets—and wouldn’t you prefer to have a say in the matter?

Every jurisdiction has its own intestate succession laws that determine how a deceased person’s estate is distributed. For the most part it is spouses and blood relatives who stand to inherit when someone dies without a Last Will. Unmarried partners, including common law and domestic partners in some states, won’t necessarily inherit. Consequently, estate planning is even more important if you want your domestic partner to be your main beneficiary.

If you have a spouse but no children, your property would generally go entirely to your spouse or be shared with other family members, depending on where you live. If you have a spouse and children, your estate would likely be divided amongst them, but if you have no spouse, your children would inherit your property.

What if I Have no Surviving Relatives?
In the rare event that you have no spouse or living relatives (including parents, siblings, or grandparents), your assets become the property of the state. This outcome may be incentive enough for you to create a Will.

Do you have a Will yet?

Curious about Cohousing?

Communal living is not a new phenomenon. In fact, it dates back to our hunter-gatherer days, when there was no hard and fast definition of household, and family groups were more interdependent. From the rise of large households during the agricultural revolution to the growth of single-person households today, it’s clear that our cohabitation patterns are always changing.

You may have heard the term “cohousing,” but do you know what it truly entails? If you’re curious, keep reading to learn how communities are formed, what a cohousing development looks like, and why communal living is becoming more popular.

What is Cohousing?
The Cohousing Association of the United States defines it simply as a “form of intentional community.” In essence, a cohousing development refers to a group of like-minded people willing to plan and build the community they want.

The modern concept of cohousing emerged in Denmark in the 1960s. A group of families developed the first modern cohousing community to recapture the seemingly lost values of trust, support, and collaboration, particularly in regards to sharing the burden of childcare.

The idea took off, and cohousing developments sprang up across Europe and began to appear in North America in the late 1980s. These developments are not nearly as popular here as they are in Europe, but they are becoming more so, particularly amongst seniors.
Cohousing for Seniors
When it comes to living arrangements, our aging population faces issues of affordability, accessibility, and quality of life—particularly loneliness. Cohousing can be a solution to all these problems, and so both seniors-only and multigenerational cohousing are becoming an increasingly popular option for seniors.

Cohousing may be the solution to senior isolation and loneliness.

For one, seniors get to keep their independence, a luxury not afforded in many long-term or assisted-living facilities. They maintain a private residence and tend to their own needs, but there is often an on-site caregiver to assist with housekeeping, maintenance, and food preparation. Alternatively, residents may provide co-care, trading favors or working together to complete daily tasks. Individuals who require a higher level of care may have a live-in caregiver.

Most importantly, cohousing helps to combat loneliness. Widowers and seniors whose families live far away are particularly likely to be lonely, and living in a cohousing development offers endless opportunities to socialize, from sharing meals to sharing hobbies. Overall, senior cohousing offers not only a sense of community but also purpose, dignity, and safety.

The Benefits of Cohousing

Although alternative ways of living have been around for years, there has been a surge of interest in cohousing in the last several years. Whether it’s to save on housing and childcare costs, to live more sustainably, or to reduce feelings of isolation, cohousing can be a solution for a number of problems our society faces. And while cohousing may not be for everyone, its growing popularity may lead you to reflect more on where and how you live now.

Would you try cohousing?

How to Support, Encourage, and Maintain Elderly Independence !

Support

It’s not uncommon for seniors and young adults alike to worry more about losing their independence more than the actual aging process. While gaining wisdom, experience, and advancing in your career and family life may all seem appealing, losing the ability to care for yourself and your home can make the positives a little bit harder to enjoy.

While not every aging person is able to live completely independently, there are things that you can do to help support their self-sufficiency, which will help them to maintain their dignity and their pride for as long as possible.

In this post, we’ll talk about some of the things that you can do to help the seniors in your life to remain happy, healthy, and confident as they age.

Helping Seniors by Performing Small Tasks
One of the simplest things that you can do to promote senior independence is to help with small tasks. Try to lend a hand with some of the following:

Small home repairs and maintenance

Things like painting, cleaning out gutters, and caulking tubs can be fairly quick and easy tasks. Help out by asking what needs to be done around the house and take care of some of the things you can do yourself.

Yard maintenance

Offer to mow lawns, shovel snow, and salt sidewalks. If you can’t be there to help yourself, consider finding someone in the neighborhood who can take care of these things for a small fee. Being proactive about these types of things can help to reduce the risk of falls, slips, and injuries, and it will give everyone involved a little peace of mind.

Cooking and cleaning

Some light cooking and cleaning can go a long way. If you can, pop by once in a while and help with things like laundry, dusting, and vacuuming. Cook a hearty meal that will last for a few days, or make small meals to keep in a freezer.

Miscellaneous errands:

Prescription pickups and drop offs, post office runs, and other small errands can be a big help, and they don’t take a lot of time.

Helping Seniors With Large-scale Tasks
When helping with the small tasks doesn’t cut it, it might be time to start thinking about some large-scale changes that can help while still promoting independence.

Home Modifications

Although these may not be something you want to take care of yourself, enlisting a professional who can install small home modifications to improve quality of life is an option. This would include things like railings, ramps, and stair lifts.

If need be, you can even help to move a bedroom to the main floor, help to shop for a dishwasher or other small appliance, or assist with other small and simple upgrades that may make the senior in your life a little more comfortable.

Downsizing

When a family home is no longer suitable, helping to choose a smaller, more accommodating home can be the answer. Whether the home is part of a seniors’ complex, a condo, townhouse, or even just a smaller one-level detached home, it’ll be less to clean and maintain.

A seniors’ complex may offer additional benefits such as meals, group activities, and sometimes even cleaning or laundry services. Choosing one depends on the needs of the senior in your life, and what they see as the most important inclusions.

Paid Seniors Services
If you don’t have the time to be involved as much as you’d like, or you don’t live in the area, there are a number of senior-friendly services that are based on enriching, encouraging, and engaging aging people who still live independently.

Some of these services include:

Driving and companion services for shopping, medical appointments, and visits
Hot meal delivery services
Cleaning services
Seniors groups and activities
Beautification services
In-home check-ups and nurse care
Personal alarms for medical emergencies
Seniors often enjoy many of these services not only for their ease, but for their companionship as well. It’s important to make sure that they feel valued in both their families and their social lives. Encouraging them to seek independence by enlisting some services of their choice can help to improve their quality of life as well as get them some of the socialization and interaction that they need.

Seniors and Estate Planning
It’s important to think about the present, but planning for the future can provide positive benefits as well.

Ensuring that you know and understand the estate and medical wishes of the senior in your life is one thing, but they should also have their plans laid out in a legal form as well. Make sure that they have a Last Will, Healthcare Directive, and a Power of Attorney document. These forms can help you both to understand the care expectations and goals should anything serious happen.

In Conclusion
Elderly independence is an important factor in maintaining quality of life and happiness amongst seniors and their families. Lending a hand when and where it’s needed could help someone to enjoy the confidence of supporting themselves for a longer period of time.

If you don’t have any seniors in your life that you help to personally care for, try to help out others when you have the chance. Shovel a driveway, mow a lawn, or even just take a minute to chat. You’ll feel good for doing it, and it will make a world of difference to whoever you decided to help.

Can you think of any other tasks or modifications that we didn’t mention? How important is maintaining independence in your later years?

Cohousing for Seniors
When it comes to living arrangements, our aging population faces issues of affordability, accessibility, and quality of life—particularly loneliness. Cohousing can be a solution to all these problems, and so both seniors-only and multigenerational cohousing are becoming an increasingly popular option for seniors.

For one, seniors get to keep their independence, a luxury not afforded in many long-term or assisted-living facilities. They maintain a private residence and tend to their own needs, but there is often an on-site caregiver to assist with housekeeping, maintenance, and food preparation. Alternatively, residents may provide co-care, trading favors or working together to complete daily tasks. Individuals who require a higher level of care may have a live-in caregiver.

Most importantly, cohousing helps to combat loneliness. Widowers and seniors whose families live far away are particularly likely to be lonely, and living in a cohousing development offers endless opportunities to socialize, from sharing meals to sharing hobbies. Overall, senior cohousing offers not only a sense of community but also purpose, dignity, and safety.

The Benefits of Cohousing
Although alternative ways of living have been around for years, there has been a surge of interest in cohousing in the last several years. Whether it’s to save on housing and childcare costs, to live more sustainably, or to reduce feelings of isolation, cohousing can be a solution for a number of problems our society faces. And while cohousing may not be for everyone, its growing popularity may lead you to reflect more on where and how you live now.

Would you try cohousing?

THE PROS AND CONS OF HIRING A NEW GRADUTE!

The Pros and Cons of Hiring a New Graduate

Every spring, as the school year ends, a new batch of college graduates sends out their resumes to businesses near and far in the hopes of landing their first job out of school. If you’re a business owner or hiring manager, chances are you receive an influx of job applications around this time of the year.

Some companies hesitate to employ new graduates due to their lack of experience or even their perceived unreliability—but there are just as many advantages to hiring a young professional, from affordability to fresh perspectives. To help you in your future hiring decisions, here are the pros and cons of hiring recent grads.

The Pros of Hiring New Graduates
1. They’re affordable

Salary is typically based on experience, so for startups and small businesses with smaller budgets, hiring recent graduates can be a good way to save money. A new graduate will request a lower starting salary than an experienced professional, and although you may have to invest more in their training, the cost will likely be offset by their lower wage.

2. They’re ambitious

New graduates are aware of how competitive the job market is. If hired, they are usually thankful for the opportunity and keen to make a good impression. Young professionals are eager to make themselves useful, excited to try new things, and often willing to work overtime hours. Even better, they may inject new life into your organization, as your current employees strive to match their energy and enthusiasm.

3. They’re easy to develop

Without the experience of working long term for another business, new graduates are a blank slate. This means they have few preconceived notions about and methods of doing things, and, having just come out of school, they’re still coachable and eager to learn. It can be easier to teach new habits than to coach a more experienced worker out of old habits and methods.

4. They offer new perspectives

New hires, particularly individuals fresh out of school, want to become good at their jobs. Younger generations aren’t afraid to question the status quo, and may not hesitate to ask why things are done the way they are, perhaps leading management to identify workplace inefficiencies and adopt new best practices.

Furthermore, someone fresh out of school will be up to date on the newest academic perspectives, methods, and technologies, and may be able to offer your organization a fresh outlook.

5. They’re skilled with technology

Speaking of technology, many of today’s young people are digital natives, meaning they’re early adopters of new technologies and adept at using it to enhance both their personal and their professional lives. With their help, you may be able to help reduce operational inefficiencies, improve workplace communications, and get older employees to both adopt and adapt to new methods of doing things.

The Cons of Hiring New Graduates
1. They require training

Every new employee needs to be onboarded properly and introduced to your company’s culture, but the training period may be longer and more intensive for recent graduates. While many young people already possess professional attributes, others may need a little more coaching in office protocol and etiquette, including proper workplace communication, workload management, and punctuality.

2. They lack skills and experience

Most college graduates have little to no industry experience, and it may take a while for them to build their skills and confidence. If you’re looking for someone to hit the ground running and make immediate or drastic changes to your organization, you may have to turn to a candidate with more experience.

3. They’re less engaged

A recent Gallup poll on millennial employment found that over 70% of millennials feel unengaged in the… CLICK TO TWEET
Employee disengagement often leads to lower productivity, higher absenteeism, more safety incidents, poor customer service, and lower company profits. What’s more, one or two disengaged employees can negatively affect company culture.

Of course, this particular issue can be prevented. Working for a purpose is important to the millennial generation, and the same Gallup survey found that job clarity and being held accountable can improve employee engagement.

4. They may not want to settle

Gone are the days of building a career with one company. Today’s young people are more likely than previous generations to switch jobs, and even careers. In fact, the aforementioned 2016 Gallup poll found that 21% of millennials had changed jobs in the past year—three times the number of non-millennials—and 60% were currently open to a new job opportunity. As a result, even if a candidate expresses enthusiasm for the position and building a career, it’s a mistake to assume they will want to stay with your company forever.

Take the Risk
Some employers hesitate to hire candidates who are fresh out of school due to their lack of experience. But, if your business is growing and you’re looking to hire new employees, you might consider a recent graduate. Who knows—you might just hit the jackpot and find a recent grad with enough heart and hustle to make up for their lack of experience and become the next great addition to your team.

Have you hired a new graduate before?

Related Posts
7 Costly Recruiting Mistakes
15 Questions You Can’t Ask Employees
Finding the Best Freelancer for Your Project

Carly Says

Most of Our services are FREE,So is most of the work that we do,to help individuals not just filing their documents.We have come across so many not so nice perdicuments that their lives have gotten into.Exspecially with family matters and children,Dealing with alot of homeless adults.Some with larger families,some single adults.Its quiet heart breaking listening to a family tell their stories and all the problems that they have to deal with,and simply just either don”t know mentally how to put their lives back together,or have little or no income coming in at the current time.I personally take pride in dealing with any of the legal matters that are in front of them,but also helping them create a putting their families lives back together plan,It is most rewarding I must say but with the also comes with alot of expenses.So a donation of any amount would be greatly appreciated.There is always expenses that we never bill for.The hours spent searching for the right resourses low cost efficiece for our clients to have to pay out of pocket.With the generous donations given Is what will continue to aid us in our crusade,Helping, aidind and educating individuals to help themselves is the long term goal here And saving people their money.With no disrepect for the Attorny that charges min.$200.00 an hour or for 15 minutes ,a few signatures signed.True enough their educational cost need to be recovered once their out of school.But not alot of this generation growing now has the money,or the interest or intelligence.Theres resourses out there to take care of almost any situation a person must deal with LEGALLY and more cost efficent than one might realize.They just maybe need A Carlys Corner Canada adviser to educate them on how to take care of there legal matters and put their lives back on track or point it in a whole new direction.Creationg a Businerss plan by filing our simple forms,or having alittle guidance to do it accuratly 100% and not have to pay them $5000.00 just for the helping hand.And thats just to write up a business Plan.i was quoted $5000.00.And who knows if the lender would even be interested in giving you the financial loan after any ways.

Monkey Business

A child asked his father,
“How were people born?”

So his father said,
“Adam and Eve made babies, then their babies
became adults and made babies, and so on.”

The child then went to his mother,
asked her the same question and she told him,

“We were monkeys then we evolved to become
like we are now.”

The child ran back to his father and said,

“You lied to me!” His father replied,

“No, your mom was talking about
her side of the family.”