Bike To Beat Cancer Tuesday, Aug 23 2022 

Join nearly 1,000 people of all abilities and sizes as they pedal to Norton Cancer Institute – Brownsboro in an energetic fundraising effort that builds momentum year after year. Byline: David Steen Martin It won’t be a long bike ride, but it will be a meaningful one for Laila S. Agrawal, M.D., when she and her family participate in Bike [...]

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Mother-Daughter Weekend Trip to Gaylord Opryland Sunday, Jul 17 2022 

Location just down I-65 in Nashville, Opryland makes for a perfect mother-daughter weekend! It’s always nice to get away for a bit. We love heading out for a weekend trip to Opryland and every time we go, we discover something new.  A friend and I recently had the opportunity to spend two nights with our daughters at the beautiful Gaylord [...]

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YMCA Family Mud Run Tuesday, Jul 12 2022 

Join us for a day of muddy fun at the YMCA Family Mud Run at the Oldham County Family YMCA! Come and enjoy roughly two miles of mud, muck, and obstacles—designed for the whole family (ages 4+)! All participants in the YMCA Family Mud Run receive a t-shirt*, Mud Run medal, and refreshments.   Location: Oldham County Family YMCA Date: Friday, [...]

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How to Know if You Have What It Takes to Be Self-Employed Saturday, May 21 2022 

By Jacob Maslow – Branded Content

Becoming self-employed is much easier today than it once was. Thanks to platforms like Airbnb, Uber, and Fiverr, with the gig economy in full swing, anyone can establish their status as a small business owner and start making cash according to their schedule. But, of course, to thrive in this environment, you’ll need a lot more than just a LinkedIn profile and a few simple skills. You’ll also need a key range of practical resources and soft skills to ensure you can survive the challenges of self-employment. So keep reading if you’re not sure whether this route is the right track for you and your career plans.

The Emotional Side: Are You Mentally Prepared?

You’ll need to address two main points before you become self-employed. First, are you emotionally and mentally prepared, and do you have the practical resources to realize your dream? Let’s start with the emotional side. While anyone can become self-employed these days, not everyone is well-positioned for this job.

Working for yourself can be much pressure, particularly since you’re not guaranteed a regular income. You’ll need to learn to reduce stress and anxiety and constantly fight to find earning opportunities. There may be months when you don’t get enough money to pay for the pills. At the same time, you’ll be under much stress, dealing with taxes and accounts you never had to encounter before and promoting yourself in a competitive environment. So before you go self-employed, ask yourself whether you can handle:

  • Difficult conversations with competitors and unhappy clients
  • Unpredictable income and the constant search for new earning opportunities
  • Promoting yourself and constantly building your portfolio
  • Managing your accounts, finances, and taxes
  • Working extremely long hours, perhaps without a huge income at first

The Practical Side: Do You Have the Resources?

Suppose you discover you have the emotional grit and resiliency to thrive in a self-employed position. In that case, the next step is figuring out if you have the resources required. Even if you’re going to be writing articles or creating graphic design images in your free time for money, you’ll need to invest in your new business initially. For example, it costs money to pay for a business website, computer, and hardware to design your own home office. You might even need to spend money on materials too. However, a small business loan can give you the initial capital you need to start without asking you to use a lifetime’s worth of savings.

Remember, it’s best to keep at least some of your savings around, so you have something to keep you going when your earnings are low. In addition, you’ll need to make sure you can afford the initial costs of starting your business and the dips and changes in your income. Taking the time to calculate how much money you’ll need not just to bring your business idea to life, but also to ensure you can continue to thrive while you wait for your career as a self-employed individual to take off will be essential.

Photo Courtesy // Jacob Maslow //

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Child Mindset Development Coaching Sunday, May 1 2022 

*this is a paid sponsor post Imagine the days leading up to when your child is ready to embark on the next chapter in their lives…without you. What are the core belief systems and mindset patterns you hope they are taking with them?  You hope they:  Have an unwavering understanding of who they are and what they are capable of. [...]

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One Day Pop-Up Market: Children’s Business Fair Friday, Apr 8 2022 

*this is a paid sponsored post Come out and shop and observe children launching their very own startup businesses at City Schoolhouse Children’s Business Fair! Kids develop a brand, create a product or service, build a marketing strategy, and then open for customers at our one-day marketplace on Saturday, April 23rd from 10 am – 2 pm.    The City Schoolhouse [...]

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Metro United Way Developmental Screening Hub Saturday, Feb 19 2022 

*this is a sponsored post The Metro United Way Developmental Screening Hub is a must for parents with newborn to age 5 that are wondering about their child’s development.  It can be an overwhelming task for parents, knowing if their children are walking, talking, and interacting as they should. Metro United Way’s Developmental Screening hub can help caregivers understand their [...]

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Sandbox Snack Co Friday, Nov 19 2021 

*this post is sponsored content  Did you know that Louisville has a locally made healthy snack company? Find out more about Sandbox Snack Co below.  We would like you to meet Adam Hoette, the founder of Sandbox Snack Co. They are a Louisville-based company dedicated to making awesome snacks for active families. Their products are a line of protein cookie [...]

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What Are the Different Types of Life Insurance? Thursday, Nov 4 2021 

By Jacob Maslow–Branded Content

Life insurance is there to protect your family should anything unexpected happen. However, choosing life insurance can be a confusing process as there are so many different policies available, each with various benefits and conditions. To make the process easier, we have explained some of the policies available. 

Term Life Insurance

Term life insurance is exactly as the name implies: your policy is for a set amount of time, usually between 10 and 30 years. It has no cash value but will give your beneficiaries a cash payout if you die. Most of these policies have premiums, so you pay the same amount each month. However, you will have to obtain a new one when the policy expires, likely at a higher expense as rates are based on age and will increase as you get older. 

Whole Life Insurance

This is the simplest form of life insurance and provides coverage for your entire life. A part of your premiums is placed in a cash value account that will gradually increase over time. Initially, this form of policy will not be worth much, however as it grows into more significant amounts, you will be able to borrow against it. You also have the option of selling your policy for a lump sum of money that can help you in retirement. You can take a look at a guide online that tells you everything you need to know about selling your policy. 

Universal Life Insurance

A form of permanent insurance that offers the same benefits as whole life insurance. However, the significant difference is that the premiums you pay are flexible. You can raise or lower the amount you are paying into your account. You must be aware that if you pay less, you may have to pay more later on to keep your coverage. This policy is most useful when you take into account changing lifestyle circumstances where you may need to adjust your spending or give yourself and your family better coverage. 

Final Expense Insurance

This policy will pay for the expenses of burial and a funeral. The policy is permanent as long as you keep paying the premiums. However, there is no other cash payout on death. This may be useful for older people who are concerned about the costs when they die. If you are younger and are looking for a policy that will support your beneficiaries, this will not be a good choice. The payments you make are modest, but the circumstances it covers are also minimal. 

Group Life Insurance

This is a form of life insurance that you buy as a group. They are often used by companies to cover their employees. These plans include affordable premiums as companies are buying insurance in bulk and so they obtain discounts from insurers. It can also be useful in helping those with health issues obtain insurance. You should find out if the policy is portable so that if you change jobs, you can take the policy with you.

Photo Courtesy of Jacob Maslow//Cosmic Press

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Smart Money Moves After Graduation Tuesday, Sep 28 2021 

By Jacob Maslow–Branded Content

Once you have finished college, your life will change, and you will have greater responsibility and opportunity in the future. You might be beginning a new career, living on your own, or becoming independent from your parents for the first time. If you want to be successful after school, a few things will help you do so.

Take Care of Student Loans

Now is the time to take care of the debt you may have accumulated while getting your degree. Most graduates have at least some student debts after finishing school. It can be tempting to make only the minimum payments each month, but it is best to repay them as aggressively as possible. 

Once you take care of these loans, you won’t have to pay as much in interest, giving you more savings. One way you can lower your monthly expenses is by creating a plan of action for your loans. For example, you could consider an option to refinance student loans into a new loan from a private lender. You might get different repayment terms or find a lower interest rate, which can then reduce what you pay each month.

Budgeting for Living Expenses 

It is essential to understand where your cash comes from and where it goes. Then, create and stick to a budget each month to ensure you stay financially healthy for a long time. There are plenty of apps that will help you create this money-saving tool, and these can track your credit, account balances, and spending, no matter where you are.

Understand living expenses to create a realistic budget. Once you move off-campus, you will find costs can add up quickly. Whether it is rent, utilities, or transportation, you will be facing a lot more costs now. And these can add up quickly, making you wonder where your income is going. When setting up the budget, ensure you consider each expense and know they can change throughout the year. For example, if you live in a region with frigid winters, your electric bill might be higher then.

Start Retirement Planning

It might seem crazy to think about your retirement when you have barely entered the workforce, but now is the best time to begin saving. Many times, you can earn interest on the money in your account, as well as the money you have already invested. But, of course, that means you need to have time on your side to have the best results.

It’s not that hard to save for retirement since the most complex part will be making sure there is enough room in your budget for it. First, create automation so some of your paychecks go directly toward the account. Second, if you receive a 401(k) match from an employer, try to take full advantage of that offer since it is free money. Think of it as part of the wages you earn from the work you provide to the company. Finally, promise yourself that you won’t touch your retirement savings, no matter what.

Photo Courtesy of Jacob Maslow // Cosmic Press

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