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Taking Back Your Life After a Bike Injury

October 10, 2023 By Leave a Comment

Biking is fun; the adrenaline rush and overcoming challenging terrains with dirt bikes make life worth living, which explains the massive interest from people of all walks. The Global Market Insights reports that the dirt bike market hit $4 billion in 2022. But an injury brings all this fun to a halt and affect your personal finance.

However, after the oozing wounds have healed and the symptoms of injuries have eased, the pictures might remain fresh. Luckily, we’ve scoured the web and pared down the best tips to help you overcome the mental scars and trauma, recover, and take charge of your life after a bike accident. Let’s dive in.

Accept and Talk About It

Returning to normality begins with accepting the situation; don’t let guilt creep in. Many people are reluctant to seek medical attention and, hence, susceptible to post-traumatic stress disorder. The good news is therapy can help deal with mental consequences. For instance, some bikers dread bikes while others freeze up while cycling, a recipe for another accident. Talking to a psychologist, support team, and other bikers can aid in the gradual recovery.

Make a Plan

After an accident, the aim is to come back stronger. Therefore, the post-accident phase can be a good time to assess and address your weaknesses. Do you need to work on your core? Your plan should complement your doctor’s rehabilitation instructions. Get specialists or physiotherapists to help you in the journey.

Listen to Your Body

Getting creative will help recondition your muscles and address the loss of fitness. For instance, you can challenge yourself with non-weight-bearing exercises such as walking. However, you should be cautious. If you feel sharp pain, you are probably pushing yourself too much.

Take Care of Your Wellbeing

Your well-being is perhaps the most important thing. It’ll determine how fast you recover from the injury. Give your body ample time to recover and refuel by resting. Vigorous activities will only aggravate the injuries and make your recovery long and even painful. Pushing yourself too hard will prolong recovery. Try some gentle stretching, go for a massage, read a book, and watch a movie. Remember to budget for medication to avoid financial stress due to poor personal finance management.

Sleep and Eat Well

Resting and sleeping work in tandem. Remember, accident injuries make it harder to sleep due to pain. So, get to bed early to compensate for poor quality sleep. Additionally, you need to eat nutritious food. Specifically, consider taking an extra serving of protein. They are the body’s building blocks and contain macronutrients that help build muscles and bones.

Focus on Medication

Riding is a form of therapy for bikers. Unfortunately, the accidents take that away, leaving many bikers prone to depression. Additionally, the trauma might cause symptoms of fevers. According to Harvard University, A normal fever ranges from 100.4 F to 104 F. So, ensure you take your prescription to keep your body under control.

Take It Slow

Be patient with yourself. For instance, you can start on gravel-free roads at a slower speed. Accidents may cause traumatic brain injury, and the last thing you want is to experience another accident before full recovery. According to the Institute of Neurological Disorders and Stroke, TBI is caused by accidents and sudden impacts on the head.

Be Patient

You might feel slightly different and apprehensive when given the go-ahead to get back on the bike. Don’t be disappointed. Start with flat gravel, try some hills, and then a single track. Once you regain your confidence, try some steep tracks before trying jumps and drops.

Getting yourself back won’t happen overnight. Start from the basics, build yourself up, and focus on the progress. The phase after a bike injury can be overwhelming. But if you take a step at a time, you will get back stronger. In no time, you will be back on the track, literally!

Filed Under: Life Lesson

What to Know Before Building a Custom Home in Florida

October 6, 2023 By Leave a Comment

Building a custom home can be better than buying a home that’s already been constructed for a number of reasons. These include creating the exact kind of home that you want, no matter how unique it may be. That said, it’s important that you know how to do it right so that you won’t waste your personal finance working on a home construction the wrong way as it can be quite costly. Here are some of the main things that you need to keep in mind before you build a custom home in Florida.

1. What Are Some of the Custom Home Building Styles?

To start with, while you should have a vision of your ideal home design, it’s important to reference the custom home building styles in the area. This is not meant to limit your creativity, but to help you achieve a home that’s structurally sound. That’s because there are a few designs in any given area that have been tried and found to be the most functional options based on the climate and other specifics of the environment. You should also keep in mind that Florida is one of the states that has some of the nation’s toughest building codes. This is important for safety when you think about how volatile the climate in Florida can sometimes be.

2. What Are Your Future Plans?

Next, when coming up with a plan for your dream home, keep in mind that this is a sizable investment that will cost you considerable time and money. That said, you don’t want to keep remodeling your home and making renovations as your needs in a home change. For this reason, think about the future and design for it.

For example, if you don’t have children but plan on having them at some point in the future, think about adding more bedrooms and increasing the sizes of common spaces. Talk to the relevant professionals about this and do some research as well. In this process, you may come across facts such as that buildings have to meet certain requirements before they’re granted a Leadership in Energy and Environmental Design, otherwise known as a LEED Certification. These include low-admitting adhesives, composite materials, and paints.

3. What’s Your Budget?

One of the most important considerations that you need to make before you start building a house is in terms of your personal finance. You should know how much you can reasonably spend on this project so that you don’t end up out of money halfway through the process. While coming up with a budget, remember to include the cost of paying various professionals and getting permits. As far as the labor goes, you may have an easier time putting the costs together when you hire a design-build firm. These are firms that have a team of experts who take care of all the details of a home project from the top to the bottom.

4. What’s the Best Time to Build?

Last but not least, it’s important for you to know the best time to get started on your home construction project. That’s because, while the climate in Florida is mild all through the year, you should think about a number of details on your end. These include waiting for the delivery of special materials you intend to use, or certain preparations are made. Take note of holidays and things like these so that you can have a good idea of the length of time that the project is likely to take.

When you learn these details before you build a custom home in Florida, you’re more likely to have a favorable experience. You could also avoid various issues and hurdles while you learn many important things. Remember that one of the most important things you may have to do is find the right professionals.

Filed Under: Real Estate

3 Reasons to Quit Vaping Now (& Some Helpful Tips)

October 6, 2023 By Leave a Comment

Vaping has grown quite popular in a very short time, mainly because of the initial implication that it was better than smoking cigarettes. With time and research, however, a lot of information about this highly-socialized activity has come about. It’s now a well-known fact that there are many dangers to vaping, including dealing a blow to your personal finance. All of these dangers have earned it the label of ‘the latest public health crisis.’ Take a look at this informative piece and see three good reasons why it’s best for you to stop vaping, alongside some tips to help you quit.

1. Highly Addictive

Because vapes contain nicotine, which is typically very addictive, it may be hard to quit once you start. To compound the issue, a single inhalation may contain more nicotine than an inhalation of traditional cigarettes. While e-cigarettes are completely free of tobacco, they contain nicotine, which is derived from tobacco, according to the FDA.

A sure red flag is the fact that it’s impossible to quantify how much nicotine you’re putting in your system. That said, you can start to understand that you may not actually be in total control. Thanks to the fun and fruity flavors that vapes came in, most young users weren’t aware of the risks from the start, or even that they were consuming nicotine.

2. Not Regulated

Another reason why it’s best that you quit vaping right away is the fact that vaping liquids and devices aren’t regulated by the FDA. This means that it’s not possible to know important details such as what other chemicals are in the liquid alongside the nicotine. Buying the devices or liquids from the black market, which may be infused with CBD oils or other substances is an even worse idea.

That’s mainly because of the lack of regulation as well as the very limited information available on vaping. This means that it’s not possible to come up with a figure for it as is the case with substances like alcohol and marijuana. For example, someone is said to be under the influence of marijuana if their blood contains 5ng per millimeter.

3. Increases Your Risk of Disease

Vaping also increases your risk of developing lung disease. There were clear signs of danger from the start because vaping was already known to have negative effects on the respiratory system. As if this is not enough, the nicotine in vape increases heart rate, blood pressure, and blood flow to the heart, and narrows down the arteries while hardening their walls. All of these factors can play an active role in heart attacks, stroke, and heart disease.

When you develop such issues, you may have a hard time keeping up with your regular life activities, including something as fun as swimming. This is the fifth most popular activity in the United States, according to Comfy Living. By making it hard to enjoy regular activities like these, vaping may actually lower your quality of life.

Helpful Tips

To make it easier for you to quit this dangerous habit, start with a list of reasons why kicking the habit is important for you. This may help you stay motivated and quit successfully. Additionally, if you use other tobacco products while vaping, it’s best that you quit all of them. That’s because staying dependent on one makes it likely that you’ll relapse at some point and start using these substances again. Finally, you can benefit from choosing the right date to quit, which is ideally one that’s not too far in the future and that doesn’t coincide with a stressful event in your life.

From impacting your personal finance to putting your health on the rails, vaping can do a number on the average individual. It’s clearly best that you make a plan for quitting as soon as you can. Once you’re ready, you can look for resources and support groups to help you through the process.

Filed Under: Oral Health

How to Navigate Bankruptcy as a Freelance Trucker

October 3, 2023 By Leave a Comment

Filing bankruptcy as a freelance trucker can give you the clean slate you need to get out of debt and focus on your financial future. There are many reasons why a freelance trucker may have to declare bankruptcy. It can be challenging to navigate bankruptcy laws alone. Here are some tips for how to navigate the process.

1. Choosing the Chapter

Bankruptcy laws are governed by different Chapters of the law. For example, a Chapter 13 “wage earners” plan is designed for wage earners who can make monthly payments to a trustee to wipe out their debt, according to NOLO. Chapter 7 bankruptcy, named after the Chapter 7 codes, doesn’t require repayment of debts monthly, but it does require that you sell off assets and pay back creditors through those sales.

An attorney can help you decide which Chapter is right for your situation. Each situation is unique. It is essential to get professional advice to ensure that you are using the bankruptcy laws to your advantage. An attorney will help you to make an informed decision in your best interest.

2. Gather Financial Records

If you don’t list a creditor on your bankruptcy filing, that creditor will not be satisfied. It is the debtor’s responsibility to list all the creditors to whom they owe money. Your attorney will ask you to fill out paperwork listing all debt and all assets. This is essential information that will inform your attorney about which Chapter is best for your situation.

Make sure you list all income, assets, and everything that you owe. It is important that you provide accurate information. Your entire bankruptcy plan will be filed using the information that you supply. Do your due diligence to ensure your bankruptcy case runs smoothly. Any questions or concerns with your income and expenses can delay the process.

3. Attend All Appointments

There will be hearings that you have to appear in person for during the bankruptcy proceedings. For example, if you file a Chapter 13, you will need to take financial management classes (sometimes they can be done online), and you will need to appear for the “meeting of the creditors”. Each Chapter of bankruptcy has special hearing requirements. You must be present.

Your attorney and the bankruptcy court will inform you about the hearing dates. Ensure you show up at the place and time you are told to. Missing a date can get your case dismissed. It is very difficult to get a continuance in bankruptcy court. Unless you have a bona fide emergency with documented proof, you should show up for all your bankruptcy-related appointments.

There are a lot of reasons why freelance truckers must file for bankruptcy. Divorce drives a lot of people to have to declare bankruptcy. According to the Census Bureau, not only can divorce have a negative impact on your finances, but finances are the reason that 22% of couples divorce. Medical bills and overwhelming debt are also big factors in declaring bankruptcy.

Ultimately, there is no shame in taking steps to manage your debt. Truckers play a vital role in the American economy. According to the Department of Commerce, about 72% of all supplies and goods in the United States are transported by truck. When freelance trucker runs into debt problems for any reason, they deserve the relief that the bankruptcy laws can provide.

If you are struggling with debt and want peace of mind to do your job, there is help. Contact a bankruptcy lawyer to learn more about your rights and how bankruptcy laws can help you get a fresh start. Call today.

Filed Under: Personal Finance
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