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3 Issues Which Could Help to Ensure Your Family is Prepared for the Worst

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As all of us know, the first few years of parenting can be an absolute whirlwind. Looking after little ones is all-consuming and can ultimately mean we have few opportunities to actually sit down and think beyond the short term.

However, despite those challenges, it is still very important to consider the future and even approach subjects that most people actively avoid talking about. Sadly, losing loved ones and experiencing other difficult moments is a part of life and, as such, it is important to think about the steps you can take to be prepared when the worst happens. Here, we outline a few issues which we think could be a vital starting point.

Personal insurance

One issue you might not have got around to looking at since becoming a parent is the range of insurance you have in place. Having kids is a huge moment and you need to ensure that any existing policies for matters such as health or life insurance remain fit for purpose. In terms of the latter, worryingly, research released last year actually suggested that only 59 per cent of Americans currently own life insurance in some form.

Another matter which should be reviewed is your home insurance, as it is worthwhile reminding yourself of the terms of the policy and whether anything needs to be changed now children are in the picture.

Business insurance

For a great number of us, work is a major source of pride and we take a lot of care to ensure that we always perform to our best. However, errors and problems sadly can arise and that is why protection is needed, particularly if it is your own business.

Having the right insurance can help in this regard and many providers offer cover which is tailored to suit specific occupations. For example, Next Insurance offers HVAC insurance, which is designed to ensure contractors involved in air conditioning are covered for everything from injuries to damage to a client’s property.

Writing a will

Stopping for a moment to think about our own mortality can be tough, but death is an issue we should not ignore. Time and time again we see headlines in the news about the likes of Prince or Aretha Franklin passing away without a will in place, but sadly the same thing happens to many normal Americans too. In fact, a 2017 survey by Caring.com estimated that more than half of people in the US do not have a will.

Leaving a clear and concise will is very important, as it should ensure that your friends and family have a proper understanding of how your estate needs to be handled when you die. Furthermore, it should go some way towards minimising the risk of them falling out regarding such issues.

Preparing for hard times

Thinking about worst case scenarios can be very difficult and often emotional, but sadly it is vital that many of us do it. We hope the ideas above may help you get started on ensuring both you and your family have measures in place for when life gets tough.

Hey all! Big thanks to Katy Blevins for handing over the reins to me at the end of 2017 to fulfill my new years resolution to write...often! Based in Miami, you can find me blogging about family life as a mother of two young kids. But i'll also continue the Chaos and Kiddos theme of business, fashion, parenting, product reviews, and...well, I could go on and on.

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Family

Mother Care | Great Activities to Help You Unwind

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Activities That Mothers Can Do When They Have a Bit of Spare Time

Being a mother is something that is very demanding, and we know that you always want to put your children first, but sometimes it is worth taking the time to consider just how much of a difference a little bit of you time can make. This means that you will need to take a bit of a break from your organized family life to put some more importance on your well-being. So, what activities should you consider when you have some spare time away from your kids? Well, we have taken a look at some of the best ones below.

Go for Some Stress Relief

Contrary to what people like to believe, everyone’s day-to-day family life does not run smoothly with no unexpected setbacks or hassle. In fact, many parents, even the most organized ones, will admit that they have to wing it from time to time. This is something that can end up causing quite a bit of stress. A great way to get rid of unwanted stress is to pay a visit to the local spa. We know that many busy mothers feel that a trip to the spa is impossible due to a lack of free time, but there are now plenty of shorter therapies that you can go and enjoy. For instance, an Indian head massage is great at fighting stress and these last just thirty minutes or so. We are sure that you manage to find the time to pop to the hairdressers every now and then, so we are certain that you will be able to find the time to pay a visit to a spa.

Partake in a Bit of Online Gambling

If you have some spare time and you enjoy gambling, then we highly recommend that you sign up with an online casino. Are you reading this from New Zealand? Then we really suggest that you head on over to https://www.onlinecasinonewzealand.nz/. Here, you will be able to find all of the best online casinos for Kiwis to enjoy as well as a load of great game guides with a lot of valuable information.

Whether you are a fan of slot games or table games, you will definitely be able to find an online casino that suits you down to the ground. The best thing about online casinos is that you can obviously gamble without having to leave your house. So, if you have a bit of spare time because your children are having a nap, you can quickly log into your account and see if you have any luck. If you happen to love a game of bingo, then there are plenty of online bingo websites that you can sign up with and enjoy whenever you have some spare time away from the children.

If you do decide to sign up with one of the online casinos that this site recommends, then it is not an exaggeration to say that you will be doing yourself a big favor.

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Chat with Friends or Watch Your Favorite Show

When you are short of time it is great to have a quick conversation with your close friends on the phone or even meet for a quick coffee. Communicating on social media can be quick and you can use the likes of Twitter, Facebook, and Instagram to catch up with all the things that your online friends have been doing. If you enjoy keeping up with all of the latest trends, then you should take a look at Pinterest. Watching an episode from your favorite show is something that can be fun, as well as relaxing. If you do not have one already, then you should consider getting a Netflix account as you will get access to all the best series for a very reasonable price. When you get an hour or so to yourself, forget about the washing or the cleaning or the dinner and sit down on the sofa and watch whatever series you enjoy.

Solve a Puzzle

If you love solving puzzles, then you will be glad to hear that there are plenty of puzzles on the Internet that you can entertain yourself with. Whether you feel like testing your knowledge with a crossword, testing your brain power with a Sudoku, or seeing how good your vocabulary is by playing a game of scrabble, you have plenty of options online. Or, if none of these are to your liking then maybe you feel like a game of chess. Furthermore, you can play these games on your mobile, tablet, or laptop.

Do Some Cooking

We all know that it can get really boring eating the same dishes over and over again, so when you have some spare time you can find some new recipes that you like the look of and try them out. Thanks to the Internet, there are plenty of delicious recipes on hand from all over the world. No matter what type of cuisine you want to make for your family or what level your cooking skills are, you will be able to find more than enough recipes to keep you busy.

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4 Big Ways Your Life Will Change When You Have Kids

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It’s easy –– and lazy –– to say that everything in your life will change once you have kids. However, for people who want to get a true sense of what parenthood is really like, such a blanket statement doesn’t convey much meaning. And it’s also not exactly true. It’s not as if would-be parents have to give up all of their favorite hobbies and abandon all their other ambitions just to start a family. Given that fact, today we’ll outline four concrete ways raising a child will affect your life, so that you can plan for the future with greater confidence:

Reduced Spontaneity

Spontaneity is a luxury most new parents can’t afford. While it’s still possible to deviate from your schedule in little ways, parents obviously can’t take impromptu trips or nights out on the town. Rather, merriment is something that you have to plan in advance when you become a parent. What’s more, the nature of your time out will differ greatly. After all, a couple’s holiday is quite different from a family vacation.

Money Management & Budgeting

Think you’ve got a handle on your finances? Well, just imagine trying to form a budget with $14,000 less than what you currently make. Plain and simple, raising a child is expensive, and money will inevitably be tighter no matter your income level. Plus, having multiple kids will add to the financial burden!

Free Time is Relative

As we touched on above, having a child doesn’t mean you have to stop pursuing all of your hobbies outside of work and parenting. However, the nature of your free time will certainly change. For one, sharing an interest with your son or daughter can make it all the more rewarding. There are few things better in the world than seeing your little one develop a love of a sport, artistic endeavor, or recreational activity that you also enjoy.

Relationship with Your Partner Will Evolve

Contrary to popular belief, you don’t have to put romance with your partner on hold the moment you become parents. Yet, it’s naive to think that the relationship with your partner will remain exactly the same after you have kids. Rather, your partnership will have to grow and adapt to your new surroundings. Priorities will shift, fights will inevitably occur, but in the long run, you’ll likely learn to appreciate everyone in your family more after you welcome a child into it.

The Bottom Line

Becoming a parent is a big decision and it’s something that you shouldn’t take lightly. Take plenty of time out to do some soul-searching before you make a choice. Lastly, always check with your doctor if you feel you’re ready to conceive. They’ll be able to give you sound medical advice like if you’ll need a tuboplasty procedure or if you should change your diet.

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Family

Things To Consider When Filing For Divorce

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Coming to the decision to divorce your partner is rarely easy and the entire process can often seem overwhelming. For many people, taking the first step is very difficult when it is something entirely new to them.

In this article, we are going to discuss some of the things that you should consider when filing for divorce in the UK. Keep reading if you are considering this and need some advice on what to do next.

Discussing It With Your Partner

The first step to filing for divorce is often approaching the issue with your partner. You need to let them know what you intend to do, and you should think about approaching it with caution. Sometimes, people file for divorce unexpectedly and so it can be shocking and emotional for both parties. Before filing for divorce, consider approaching your partner with the news in a calm and collected way.

Finding A Lawyer

In the UK, you need to have a lawyer to help you get through the divorce process and file the right documents. If you don’t already have a lawyer or solicitor, then you need to think about finding the right one for you. Many law firms specialise in family law and divorce so one of these firms would be a perfect fit for you. For example, law firms in Blackheath have lawyers who are experienced in these matters and can help you with the entire process. Do your research and find a divorce lawyer before filing.

Considering Children

For any couple that has children, divorce can be a touchy subject and something that needs to be approached carefully. When you are considering filing for divorce, you need to think about any children that you have and how this issue is going to affect them. Think about what sort of custody that you would want and how you would handle looking after them without the support of your partner. You might be able to come to a reasonable agreement, but it is important that you consider it carefully before filing.

Your Finances

The final thing that you are going to need to consider when filing for divorce in the UK is your current finances. Divorce can be very expensive as you’ll need to pay for your lawyer and other legal expenses until the matter is solved. On top of this, your finances will be heavily dissected in order to establish how the funds and property will be split amongst both parties. Take some time to consider how much spare cash you have for this process and make sure that all of your finances are in order.

Final Verdict

If you live in the UK and are thinking about filing for divorce, you should make sure that you have considered every single aspect of the process. Make sure that you have the right lawyer for the job and talk things through carefully with your partner to make this process as simple as possible.

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