Starting is easy, finishing is hard.

To file for divorce in North Carolina, spouses must be living separately and apart for a year. This doesn’t just mean two bedrooms, but two different residences. Also, there is a residency requirement – either of the spouses must be living in the state for at least six months prior to the divorce. Among other things that a couple may have to discuss and agree upon, child custody is the most serious and emotionally-charged one. If you are unsure of how to deal with the circumstances, your best bet is to talk to a Charlotte child custody lawyer. Find an attorney, who can be personally involved with the divorce and custody battle. Here are some tips for sorting child custody with your spouse. 

1. Read up on state laws

If you have hired an attorney, they will advise on basic aspects of divorce in North Carolina and how you should be handling child custody in your case. Every divorce is unique and has its own problems, and the advice is never generic. 

In North Carolina, the court usually encourages the parents to come to a parenting agreement that’s acceptable to both. You will be requested to discuss and sort things with your spouse, so that unnecessary litigation can be avoided. Also, courts in NC encourage equitable sharing, where both parents have a share in upbringing and wellbeing of the minor child. If the court has to decide on child custody, it will always consider the ‘best interests of the child’. 

2. Consider your child’s wellbeing and preferences

The court may not ask a minor child to come to the courtroom, because it puts the child through unwanted stress and trauma. If you are deciding on child custody with your spouse, you have to think of child’s wellbeing and preferences. Age of the child, specific needs, and other family-related aspects have to be considered in depth. The reason why you need a child custody lawyer by your side is to avoid taking haste decisions. When a lawyer is advising a parent, it always comes from a point of experience and concern. 

3. Open up to communication

Even the courts want you to resolve child custody with your spouse amicably. Negotiation and mediation are must for minimizing friction. If you don’t want to talk to your spouse directly, allow your attorney to take things ahead. You are more likely to resolve concerns when your child custody lawyer is talking. 

Check online for best child custody lawyers in Charlotte now!

ULIPs are popularly known amongst investors as a way to create wealth for the future. But what if you could increase your investment returns to earn more? The top-up premium facility enables you to do so with a hassle-free process. Apart from the perks of an increased fund investment, you can avail more benefits with this feature. Here’s everything you need to know about additional premium in ULIP policies known as the top-up facility.

What Is Top-up Facility in ULIP?

The top-up premium facility is a feature available under Unit-Linked Insurance Plans where the policyholder can pay an additional amount over and above the annual premium. Now, you might wonder how does this facility benefit you? On paying a surplus amount to your insurance plan, you can increase your coverage amount or invest it into your ULIP fund.

Many a time our insurance requirements change due to increased responsibilities at home. Thus, if you need higher life cover, the top-up premium facility is the way to go. But in case you want to earn greater returns, you can easily dedicate the extra sum towards your investment fund without a worry. Therefore, you decide the end goal of the top-up premium and plan it to suit your long-term goals.

How Does Additional Premium in ULIP Work?

As the top-up premium is paid over the basic premium amount, this surplus is treated as a single premium that gives you additional coverage. Thus, the minimum sum assured you can gain is 125% of the top-up premium for policyholders up to 45 years of age. For individuals above the age of 45 years, the sum assured is 110% of the single premium. This is how your coverage amount can be increased with the top-up facility.

But in the event where you do not want the sum assured to increase but your fund value, then you can pay 25% of your regular premium. This is the capped limit that you can dedicate to your investment to gain lucrative ULIP returns in 10 years.

Things to Remember About Top-Up Facility

Here are some things you should know about the top-up premium facility before opting for it:

• You can make a surplus payment only up to a certain limit of the total premium that can be paid every year. Your insurer shall have a minimum top-up premium margin mentioned in the ULIP policy documents.
• This facility is only available to policyholders who make regular premium payments and don’t miss the due date
• The top-up premium can be made any time during the policy term with zero restrictions
• Some insurance providers may not allow top-up premium payment in the last five years of the ULIP tenure. But this may vary from one insurer to another.
• There are some charges associated with ULIP investment that you must pay such as mortality fees and fund management charges. It is recommended to check such charges beforehand as they may differ from insurer to insurer.

Advantages of Top-Up Facility

1. Increased returns

By pumping an additional amount into your ULIP investment, you can enable your fund to grow to give better returns. A total of 25% of your base premium can be added to your policy fund. To understand how much you can earn with the plan, check out the ULIP returns calculator now!

2. Higher coverage

In case you have welcomed a newborn into your family, you would prefer increasing your life cover for more security. With the help of ULIP, you can! The top-up facility enables you to get higher coverage to safeguard your loved ones.

3. Tax perks

The top-up premium paid can be claimed as a deduction under Section 80C of the Income Tax Act, 1961 just like your regular premium. Thus, you can save on taxes with such a facility as well.

You must have understood ULIP additional premium meaning with the above-mentioned pointers. Therefore, now you can reap the benefits of adding an extra sum to your ULIP policy. Ensure to check the terms and charges of availing such a facility in advance. Plan your insurance returns today to earn a lucrative payout in the future with the ULIP return calculator!

Buildings, bridges, roads, canals, railways, and runways are all structures in civil engineering that require construction in part or wholesomely. Depending on the nature of the work to be done to raise these structures, there is the involvement of different construction procedures.

The procedures followed, and activities involved help classify the various construction projects that a business can undertake. This article defines the most common construction projects in civil engineering.

Water Engineering Projects

Water engineering requires the comprehension of the nature of water, water bodies, and its transport channels such as rivers and artificial waterways. This knowledge is then used to engineer structures and projects that help put the water into good use or manage the water to accommodate other constructions.

Simply put, a water engineering project manages the interaction between water and its surroundings. These projects range from the dam building, canals construction, sewerage structures laying, and drainage systems development.

Geotechnical Engineering Projects

Geotechnical engineering projects involve the exploration of soil and rocks to understand their interaction with other fields of civil engineering. Geotechnical engineers interact with different grounds, and their knowledge helps define a productive interaction between the earth and a project.

So, as long as a project interacts with the ground at some point (which is typically any construction project), geotechnics and heavy construction equipment will likely be required. Engineers here technically analyse the behaviour of rocks or soils, survey project sites, review construction proposals, and assess ground safety.

Structural Engineering Projects

As the name suggests, structural engineering involves creating the skeleton of structures as an early step of the construction process. Design is the first and essential step during the construction as it creates a blueprint of what to expect when coming up with the infrastructure piece.

Structural engineering projects are based on creating and maintaining high levels of sustainability, reliability, safety while observing a practical economic sense. Aesthetics is also a critical area of focus for structural engineering projects. Typical machinery used in this industry includes excavator hire, crane leasing and various ground equipment such as skid-steer loaders.

Environmental Engineering Projects

These projects revolve around the environment, especially where the environment is already at high risk and requires care to protect its resources. Environmental protection is done by identifying the problems and then coming up with constructive solutions to the issues. Environmental engineering is essential as it streamlines construction projects to ensure they preserve the environment.

Transport Engineering Projects

Transport engineering projects are concerned with the planning, designing, and monitoring the operation of transports systems. They are mostly aimed at creating fast, reliable, economically viable, and safe transport systems. The various transportation modes, including road, air, water, avail opportunities for such projects.

Civil engineers usually structure their creations around the client’s requirements and preferences while implementing a project. Some of the tasks performed in transport engineering projects include analysis of transport system designs and giving recommendations to other engineers.

Construction makes up a big part of civil engineering. It is a critical activity in the majority of the projects in and around civil engineering. This explains why most of the listed projects above require heavy machinery like excavator hire machinery so as to be accomplished.

In this highly competitive environment, everyone is striving for attaining good enough results. To distinguish oneself from good to be the best is what matters. There is a high need of developing those skills that are very much demanded in the industry today. 

The one who seems successful has faced many hard times too. After passing through so much grind, the person has then become capable of leaving exceptional footprints in his domain to be followed by the others. 

Let’s see how a leader could be the best version of himself. Also, consider reading about Charles Field Marsham, he is one of the business leaders and you can get valuable insights from him.

Clarifying the Complex 

As the leader in the role model to his subordinates. His followers need his assistance at any time of the day. The successful leader is the one who breaks tasks into smaller components. Then give himself and his employees the achievable goals within a particular time frame. 

All of the complex sorts of tasks will then be addressed by the leader. He will make the way easy for his employees. So that they can progress by leaps and bounds. Individual success together contributes to achieving the overall goals of an organization. 

Embracing New Thinking 

Just like the outdated and conventional things soon wipe out. Similar is the case of conventional techniques deployed by the leaders and managers. If they do not invest more in creative thinking and innovative products and services, there will be more chances of them vanishing away from the industry. 

New thinking is not just about launching a new product, making another decision, or setting some business goals, rather it is about embracing new thinking while listening to the critics very patiently. It is sometimes the combination of the patient ear and the wide mouths that set a person on the right path while making all the relevant changes. Follow the footprints of Winston Churchill. 

Balancing Confidence and Humility 

Great leaders should always act confidently while taking humility. When there is a time for making any decision, they should trust their inner judgments for the development of their business. However, the decisions they make must serve their team in the best possible manner. 

Leaders must have to acknowledge their team’s efforts. Otherwise, they will not feel included. They have to face the challenges together. It is not just the job of one person. 

Avoiding Distractions 

There have been many words of mouth that are only meant to distract the focus of the leader. However, a good leader won’t let it happen. He will rather act firmly. He knows that it is better to take measures following what the research says. 

If you want to learn more, I suggest reading about the Field Marsham Foundation. 

Final Thoughts 

Every leader has some sort of competitive advantage over other leaders in the market. So, acknowledging the strengths and working on the weaknesses is what makes a person better and then the best among all other people of the same industry. 

A business can never survive without a leader, but it is also true that it can also not survive without a good business leader. The owner of the business may start the business but how it is going to perform solely depends upon his abilities to lead, organize, motivate and inspire his team.

If he lacks any of the features mentioned above, then there is no way that his business is going to succeed. We can take a lot of business leaders like Bardya Ziaian, who is doing a great job of not only maintaining his business but also inspiring his team.

If you are someone who is starting and have no idea if what a business leader should look like, then read the tips below:

Qualities That A Good Business Leader Have

• Assessment of Yourself

The most important characteristic of a good leader is that he assesses not only others but also himself. At different intervals during his business, he does a self-evaluation to know more about his shortcomings and his strengths. A good leader always examines his vulnerabilities and tries to improve them as much as possible. 

• Open to Communication

 A good business leader is always open to communication. He knows that if he wants his team to work well or he wants his business to be unique and with new ideas, then he needs to communicate with his employees. A diligent leader like Bardya Ziaian Toronto always listens to his employees, whether it is about the new ideas or their problems, because he knows his business cannot flourish if his workers are not fine.

• Open to Risk-Taking

Sometimes being a business owner, you have to make some really risky decisions. But again, if you are not open to risks, how are you going to know if it is right or wrong? A good leader is always open to risk-taking, and his curiosity always makes him do things uniquely.

Tips to Become A Successful Business Leader

• Understand Others Talent

Everyone works differently and has different ways of thinking. You can instill your idea in them but what they think of your ideas is different. And that is the case with the business teams. You will have a different type of people in your team—all having different points of view and talents. Instead of making them like yourself, try to understand their talents and then plan out what talent is best for what department. In this way, you are using the person at the right place. 

• Consider Other People

Yep, a good business leader never dumps heaps of work on his employees. Instead, he works the same amount of work more than his employees. You might be the leader of the company, but still, that does not make you God. You need to consider what others think and give them work according to their ability and tolerance. If you start to treat your employees unfairly and instill fear in them, you are never going to be a good business leader in their view.

• Open to New Suggestion

A successful leader is always open to new suggestions. Take the example of Bill Gates. How he made a billion-dollar business empire. Because he listens to his workers and considers their suggestions and ideas. In this way, a lot of ideas come together and merge to make a new and unique idea, which is fruitful for your business.

• Be Open to Learn New Things

The learning process of human beings never ends. Every day we learn something new. The same goes for a good leader. He always tries to learn new things and tries to keep his knowledge up to date. In this way, he can use his new knowledge for his business.

Conclusion

A business can only flourish if it is in the ownership of the person who has the capability of leading it and maintaining it. Instill these qualities in yourself and see your business reaching new heights