8 Strategies For Protecting Your Income

A threat of a recession looms in 2023, according to experts. And in this uncertain economic climate, protecting your income has become more important than ever. Whether you are a salaried employee or a self-employed entrepreneur, losing your source of income can devastate your financial stability. Fortunately, there are several strategies you can employ to protect yourself against unexpected events like job loss, illness, or a recession. So, do you want to take control of your financial future? Here are eight strategies you can use to protect your income

Know and prepare for the potential risks
As part of your financial planning and monthly budgeting, identify or consider all potential hypothetical scenarios that can cause financial instability. Think about everything that could go wrong in your financial life and how best to correct them. Create a plan should you lose your income or in case it is greatly reduced, and outline the potential short and long-term consequences. After doing this, determine what steps you can take to secure or restore your financial health. You can speak with a financial advisor to help you at this stage. 

Don’t rely on the government for financial assistance
Many people expect their governments to provide financial assistance during economic instability. In the US, for example, many people received financial assistance from the government to help cover living expenses while they remained stuck at home due to COVID restrictions. While these expectations make sense, the last thing you want to do is place all your financial eggs in one basket, as there is no guarantee that the government will come through for you. Instead, look for other ways to secure your financial health. For example, consider spending below your means, saving for the future with an emergency fund, etc. 

Consider income protection insurance
Income protection insurance is created to replace a percentage of your regular income in case sickness or injury makes it impossible for you to work for an extended period. This insurance can cover your daily living expenses while you focus on your recovery process. 

Different insurance providers offer varying levels of income protection, so you need to speak with your employer to find the best policy for you. While income protection insurance isn’t a long-term financial security, it does offer some level of income stability to protect you during an uncertain period. 

Start investing in your retirement

Photo by maitree rimthong: Image credit 

It is never too early to start investing in your retirement, as you can never be too certain about the longevity of your career. Regardless of the field or industry you find yourself in, injury and any other form of health concern can force you into early retirement, severing your source of regular monthly income. Start investing in your retirement as soon as possible to ensure that no unforeseen event drowns you in financial uncertainty. Your retirement savings can provide a source of income in your later years and help you maintain your living standard after you stop working. If you’re already contributing to your retirement savings, consider increasing how much you contribute. Of course, only do this if the increment will not affect your financial status. 

Develop marketable skills
The job market is evolving rapidly, and you must keep your skills current to stay relevant and employable. Take the time to develop marketable skills that will prove relevant no matter the changes in the general job market. It doesn’t matter whether you’re an employee or run your own business; such skills will help you create a steady source of income during an uncertain economic period. By developing skills in demand, you can increase your earning potential and reduce the risk of job loss. You can take courses or attend workshops to learn or improve new skills. And this leads to the next point. 

Protect your intellectual property
If you’re self-employed or own a business, you should protect your intellectual property. Trademarks, patents, copyrights, models, etc., will need protection if they fall into the wrong hands. Doing this can help you maintain a competitive advantage and protect your income from infringement or theft by others, so feel free to consider this.

Find ways to secure your career
Try networking and building relationships with colleagues and industry professionals to help you stay informed about opportunities and trends. This way, you wouldn’t miss new opportunities when they show up. And even if you’re not actively hunting for a new job, keep your resume up-to-date to help you stay prepared for unexpected job loss or other changes in your employment status. Doing this will also help you identify areas where you can improve your skills and increase your earning. This may boost your job security and position you for long-term success, regardless of unforeseen situations, so feel free to consider this. 

Moreover, it can help you recession proof your career. You should also have a strong work ethic, demonstrate reliability, and exceed expectations in your job. Think about pursuing certifications or additional courses to enhance your qualifications. And don’t be afraid to open up new challenges and opportunities while remaining adaptable to changes in your industry. 

Diversify your income streams
Diversifying your income streams is another effective way to protect your income. It means creating multiple income sources outside of your main job or career. Income stream diversification is one of the most reliable ways to support or protect your career or business. If anything unexpected happens, you can rest assured that you have alternative income sources to fall back on. In other words, by diversifying your income, you can end your reliance on a single source of revenue, making you vulnerable to economic downturns or job loss. For instance, if you lose your job, having a rental income or e-commerce business can help you to stay afloat until you find a new job. You can also capitalize on your skills by starting a side job. In some cases, diversifying your income will free you from the burden of searching for a new job. 

How to Handle Teen Anxiety: Therapy, Lifestyle & Communication

Teen anxiety can be an overwhelming and debilitating experience. It can manifest in many ways, from difficulty focusing and restlessness to changes in appetite and sleeping habits. Fortunately, there are effective strategies parents, teachers, and caregivers can use to help teens manage anxiety. This blog post will discuss the importance of therapy, lifestyle changes, and open communication when dealing with teen anxiety.


Unsplash – CC0 License

Why anxiety can be more frequent in teens
Adolescence is a period of intense change in both physical and psychological development. As teens transition to adulthood, they may feel a sense of uncertainty or lack of control over their lives. These feelings of insecurity can cause high levels of anxiety in teens.

Several factors can contribute to anxiety in teens, including changes in hormones, stress from academic pressures or interpersonal conflicts, lack of coping skills, past traumas, and even inherited traits. Teens also face many new social pressures, such as fitting in with peers and being accepted on social media. They may feel overwhelmed by all the new emotions and expectations. This can lead to increased levels of anxiety in teens. 

It’s important to note that while some degree of anxiety is normal, extreme anxiety can be problematic and should be addressed with professional help. 

Can therapy help?
Therapy is an incredibly important part of managing anxiety in teens, especially when they are struggling with issues that can’t be solved through other means. Therapy can help teach teens how to handle their anxiety more effectively and recognize when their worries are out of proportion to the situation.

Therapy is also beneficial for exploring any underlying causes of the teen’s anxiety and providing the skills and coping mechanisms needed to manage it. In a therapy session, teens can learn different strategies for managing emotions, such as deep breathing and progressive muscle relaxation. Cognitive Behavioral Therapy (CBT) can help teach teens how to think differently about their anxiety and how to reframe their thoughts.

What if therapy isn’t enough?
When therapy alone isn’t enough to manage a teen’s high anxiety, parents may want to consider other options to provide their child with full mental health support. Several options are available, such as residential inpatient treatments or outpatient programs offering comprehensive care for teens and their families.

Residential mental health rehab provides a safe, supervised living environment for teens with severe mental health issues. These centers usually offer group and individual therapy, medication management, and other treatments. They also help teens build strong relationships and teach them healthy coping strategies. In an inpatient setting, teens can benefit from a safe environment to build their defense mechanisms and heal at their own pace without worrying about external stressors.

Maintaining a healthy lifestyle
When it comes to handling anxiety in teens, maintaining a healthy lifestyle is essential. Anxiety can manifest itself in physical and mental symptoms, so it’s important to nurture the body and mind to reduce the severity of those symptoms.

A healthy diet is an important component of managing anxiety. Eating nutrient-rich foods that provide the body with the vitamins and minerals it needs to stay healthy can help boost energy levels and improve mood. Ensure your teen eats plenty of fruits and vegetables, whole grains, lean proteins, and healthy fats such as those found in nuts and fish. Avoid processed and sugary foods as much as possible.

In addition to eating a nutritious diet, physical activity can also help manage anxiety. Exercise releases endorphins that can improve mood, increase energy, and reduce stress. Talk to your teen’s doctor about the most beneficial physical activity. Many teens find that regular aerobic exercise can be helpful in managing their anxiety. Joining a sports team or enrolling in a class that focuses on teaching self-care techniques can also be beneficial. 

Finally, consider a sports coach for your teen. A personal trainer can help your teen find a workout that meets their needs but also act as a supportive friend throughout the training. It allows anxious teens to learn new coping strategies in a safe and motivating environment.  

Building open communication
As a parent, it’s important to build open communication with your teen to support them during times of high anxiety. Open communication helps teens feel safe talking about their worries and fears without judgment. 

– Ask questions: Ask your teen open-ended questions like “How was your day?” or “What’s been on your mind lately?”. This will give them a chance to open up more and tell you how they feel.
– Listen attentively.
– Be understanding: When your teen does open up about their feelings, try to show understanding and empathize with them. Avoid offering advice or trying to “fix” their problems, as this can make them feel unheard and dismissed.

Hopefully, these few strategies can help you and your teen navigates adolescent anxiety safely. 

Create Wonderful Memories with Basic Invite

Ciao Lovely People,

We are thankful to see you in our wonderful community!

Spring temperatures have arrived. However, on one day or another, it is still winter in Missouri. Don’t throw anything at me, but we still have not had a real snowfall here, and not sure if we will get one. Praying for everyone who has been experiencing the blizzard conditions and power outages.

However, with this mild weather, Jay and I have been honored to attend his mom’s 86th birthday party on Saturday, February 11th.

J far right with sisters and brother celebrating Mommy Bernice's 86th birthday in Westphalia, MO.

Jay, on the far right with sisters and brother, celebrating Mommy Bernice’s 86th birthday in Westphalia, MO.

 

J, T, and Rose celebrating her 70th birthday party

Jay and I, with Rose celebrating her 70th birthday party

We also attended our friend Rose’s 70th surprise party with her family this past weekend. February is known as the month of love. It would be great if we all could spread this love all year long and throughout eternity.

 These special events make me want to share creative ideas for announcing special moments throughout the year. Bubblingwitheleganceandgrace.com recently had the opportunity to collaborate with Basic Invite. This Utah-based company offers wedding program templates and wedding place cards in a wide range of styles and designs and easy on the purse strings. Basic Invite offers cards for all your special events, including baby showers and graduations, personalized stationery, and business cards.

Basic Invites features:

  • Almost Unlimited Colors- Basic Invite is one of the few websites that allows customers almost unlimited color options with instant previews online. Once they select a design, customers can change the color of each element on the card. With over 180 colors to choose from, the invite is sure to be exactly how they want it. This is what sets us apart from almost any other online stationery company.
  • Custom Samples- Basic Invite is one of the few websites that allows customers to order a printed sample of their actual invitation before they place their final order. They can see the paper quality and how it will print and make sure the card is perfect.
  • Over 40 Different Colors of Envelopes- Basic Invite has over 40 envelope colors. With so many options, customers can make their envelope match the invitation. All envelopes are peel and seal, so they can be closed quickly and securely.
  • Address Capturing Service- Basic Invite offers an address-capturing service that allows customers to share a link on Facebook, Twitter, Instagram, or any other social media to request their friends and family’s addresses. The addresses are stored in the customer’s account and can be selected during design. Basic Invite offers recipient address printing at no cost on all card orders.
  • Foil cards are available in gold, silver, and rose gold. Customers can choose flat or raised foil on all Basic Invites foil designs.

I wanted to share a few of my favorite beautiful wedding invitations. This invitation just smiles with excitement and love.

Basic Invites Golden Excitement Photo Wedding Save the Date Cards

This elegant invitation features gold lettering with a black background.

Basic invites Opulent Floweret Foil Wedding Invitations

This vintage invitation is my style with the jeweled pearl necklaces.

Basic invites stylized sunburst foil wedding invitation

 

Basic Invites is offering our readers a fifteen percent discount  until the end of February with the coupon code
15FF51 so make sure you hop over to their site to start sharing some love.

 

5 Ways to Encourage Your Children To Be More Creative

Creative thinking is essential for any child, and it’s never too early to encourage your kids to use their imaginations. But with all the stress of schoolwork and extracurricular activities, how can you make sure your kids have time to be creative? Here are five great ways to help foster creativity in children.

Set aside dedicated time for creative activities
It’s easy for children to get so wrapped up in schoolwork that they don’t leave room for anything else. To ensure that your kids have some free time to use their imaginations, set aside a few hours each week where they’re able to explore and play creatively — no matter how busy their schedule already is. Providing them the time they need to express themselves will encourage their creativity and help them develop essential skills.


Photo by Alexander Grey: 

Explore different forms of art
Art isn’t just painting or drawing; there are many ways to be creative, including photography, dancing, writing, building with Legos, sculpting out of clay, and so much more. Encourage your child to find what interests them by providing them with various materials and activities. You never know – they might discover something new that they love! You can also get creative yourself by helping your child explore their ideas. For example, if they are interested in photography, help them find ways to use Silicone Bead Bundles and other materials to create exciting landscapes or backdrops for their photos.

Encourage experimentation
Creativity doesn’t always come quickly, and it can take trial and error before your child sees the results they want. Your job is to encourage them to keep going, even if something doesn’t turn out right. Instead of trying to control their creative process, give them the freedom to experiment and explore different ideas – this will help them develop critical problem-solving skills. Encouraging experimentation also allows children to learn from their mistakes as they work towards achieving their creative aspirations.

Talk with your kids
Encourage open conversations with your children about what they are learning in school and any other topics that interest them. Talking is essential for you to better understand what sparks their creativity and may provide great inspiration for activities or projects you can do together. Ask questions and show your interest in their ideas, helping them to practice verbalizing their thoughts.

Lead by example
Children learn by watching the people around them, so make sure you set an example for your kids. Show your children that it’s okay to try new things and be creative; explore new activities and share what you’ve learned. If they see that creativity is valued by those closest to them, they’ll be encouraged to think outside of the box themselves.

Encouraging creative thinking in children is essential for helping them develop the necessary skills and explore their imaginations. Set aside some dedicated time for creative activities, explore different art forms, encourage experimentation, talk with your kids, and lead by example to foster creativity in children. With some effort, you can help give your child the gift of imaginative life.

How To Throw A Memorable Birthday Party

Birthdays are special days that bring family and friends together to celebrate the life of someone special. For your loved one’s birthday, you want to ensure that it is a day they will never forget. Throwing a fantastic birthday party is the perfect way to show your loved one how much they mean to you. But how do you throw a memorable birthday party? Here’s a guide on how to make your loved one’s next birthday celebration unforgettable!

Pick The Perfect Venue
Where you choose to host the party can set the tone for the entire event, so picking the right venue is essential. Consider what kind of atmosphere best suits your loved one and their guests. Are they more likely to enjoy an intimate gathering or prefer large crowds with many people? Do they like outdoor activities or indoor events? Picking a venue that fits with their preferences can help ensure that everyone has a great time at the party.

Set A Theme
Theming your event can take it from ordinary to extraordinary in no time. Whether it’s a classic theme like superheroes or princesses, or something more creative like an 80’s dance-off or murder mystery night, setting a theme helps give everyone something fun and engaging to focus on during the celebration. Be sure to let everyone know ahead of time so they can join in on the fun by dressing up accordingly!

Create An Invitation List
After deciding on your venue and theme, it’s time to create an invitation list for your loved one’s birthday party. Make sure all their closest friends and family members are invited—it wouldn’t be a complete celebration without them! If there is room in your budget and at the venue, consider extending invitations beyond just close friends and family members; this could help make their special day even more memorable as they share it with more people than ever!


Photo by Craig Adderley

Bake A Cake
No birthday celebration is complete without a delicious cake. While you can certainly order one from a bakery, baking your own cake from scratch can make it extra special. Even if you don’t know how to bake, you can do a quick online search to get some tips and recipes. For example, if you want to bake a red velvet cake, simply search how to make red velvet cake, and you’ll have many options to choose from.

Decorate Thoughtfully
Now it’s time for some decorations! Be sure to choose decorations that fit your theme; this will help create an atmosphere of fun and excitement throughout the event! You can also customize decorations such as banners and balloons with pictures of your loved one or messages from those attending the party. This personal touch will add an extra layer of meaningfulness for everyone involved!

Have Fun Activities Ready To Go
Having fun activities ready for everyone at the event is key if you want them truly enjoy themselves throughout its entirety. Be sure to come up with activities that fit within the parameters of your theme and budget while still being enjoyable enough for all guests attending; this could range from karaoke competitions or trivia games, depending on what type of atmosphere you are trying to create!

Throwing an unforgettable birthday party for your loved one doesn’t have to be complicated. With some preparation, you can create a celebration that your loved one will remember fondly for years to come! Keep these tips in mind when planning your next birthday party; it will surely be a success.



The Perils of Misdiagnosis and Wrong Treatment

Misdiagnosis and wrong treatment are two of the most significant risks in modern medicine. When a patient is misdiagnosed or given the wrong treatment, it can have severe and potentially life-threatening consequences. Understanding the common causes of misdiagnosis and wrong treatment is the first step in avoiding these perils. In this blog post, we will explore the potential causes of misdiagnosis and wrong treatment and what patients can do to protect themselves.

Each year, 12 million Americans are affected by diagnostic errors in medicine. This equates to 1 in 20 or 5% of adults. The Society for the Improvement of Diagnosis in Medicine (SIDM) estimates that between 40,000 and 80,000 people die yearly due to misdiagnoses.

Sadly, mistakes do happen, and you can be misdiagnosed. You can reduce the possibility of a doctor making an incorrect diagnosis by observing these recommendations: 

– You ought to inquire if things aren’t improving.
– requesting a second opinion or having a fresh doctor review your medical data
– Whatever you’re unsure of, whether it’s directions, terms, or notes, make sure to note it down.
– Request more diagnoses to adjust your course of therapy as necessary.
– Find a trustworthy physician or request recommendations from friends and relatives
– Secure a medical appointment.

What could lead to a misdiagnosis? 

Photo by Accuray on Unsplash

The Doctor Doesn’t Believe You
Chronic pain is a real and debilitating condition affecting millions worldwide. For many, the journey to finding relief can be long and arduous, filled with misdiagnoses, wrong treatments, and doubt from medical professionals. Unfortunately, one of the biggest obstacles chronic pain patients face is a lack of belief from their doctors. 

When it comes to chronic pain, there are countless potential causes and treatments. Therefore, it is understandable that doctors may not always believe their patients when they describe their symptoms. When patients are met with doubt or disbelief, they can often feel judged, dismissed, or invalidated. This can cause frustration and helplessness, making it even more challenging to seek the help they need. To find the proper treatment, patients need to have a doctor who takes their suffering seriously and is willing to explore all possible options. 

Your Symptoms Are Similar to Something Else
When dealing with a medical issue, it’s essential to describe your symptoms accurately. Unfortunately, sometimes our symptoms could be similar to something else, leading to misdiagnosis or wrong treatment. 

For example, when a patient presents with severe lower back pain that radiates down the leg, it could be mistaken for sciatica but be due to a herniated disc. Both conditions require different treatments, so it’s critical to describe your symptoms to the doctor accurately. 

Understanding your symptoms can be a crucial part of the diagnosis information process, and that’s precisely where environmental factors can play an essential role in your diagnosis. For example, the symptoms of pleural mesothelioma are similar to bronchitis or chronic obstructive pulmonary disease. So if you’ve been exposed to asbestos, mention it to help diagnose. 

You Don’t Explain All Your Symptoms
Misdiagnosis and wrong treatment can have disastrous consequences, so it is vital to explain all of your symptoms when visiting the doctor thoroughly. Frequently, patients are in a rush and don’t take the time to explain their symptoms or even forget to mention specific issues that may be related to the condition being diagnosed. 

This can result in a misdiagnosis or incorrect treatment, as the doctor cannot make an informed decision based on incomplete information. Therefore, it is essential to describe any symptoms you may be experiencing, no matter how minor they seem. Even seemingly unrelated symptoms could be key indicators of what is causing the issue. It is also important to mention any recent lifestyle changes that could have caused the symptoms, such as changes in diet, exercise routines, jobs, relationships, or location. 

You Have Multiple Conditions
Misdiagnosis becomes even more likely when a patient has more than one medical condition. For example, if you have both arthritis and fibromyalgia, the symptoms of both can overlap, making it difficult for the doctor to determine which state is the source of your discomfort. A doctor may try to treat one condition without addressing the other, leading to incorrect treatment or ineffective relief of symptoms. 

Obtaining the proper diagnosis is the result of a partnership between patients and doctors. Doctors must stay up-to-date on the latest treatments and research for different conditions to diagnose and treat patients better. Patients should also feel empowered to advocate for themselves by providing their doctor with as much information as possible about their situation. This includes details about their medical history and any previous treatments they have tried.