Tuesday, September 29, 2020

3 Things You Should Know About Captive Insurance

 

Accidents happen, and businesses carry business insurance to pay for any damages or repairs that result from unexpected accidents. Companies may purchase general liability, income, commercial property, workers’ compensation and cybersecurity insurance. However, some businesses have risks that are not covered by traditional insurance companies, so these companies may seek captive insurance.  

Self-Insurance

Captive insurance companies are subsidiaries of a parent company, so the parent company owns and pays their premiums to their insurance company. Their purpose is to mitigate their parent company’s risk in areas that are not covered by traditional insurance, such as an oil spill in an offshore drilling company. These companies only provide captive insurance services to their owners. Typically, larger corporations create these insurance companies due to their administrative and overhead costs.

Taxes

The Internal Revenue Service requires that insurance companies distribute and shift their risks, and captives must also follow this rule. Many captives are located in tax havens, such as islands in the Caribbean, to gain additional tax benefits. For example, companies that start captives try to deduct the insurance premiums they pay to their captives from their taxes even though they are essentially paying themselves. This may be considered abusive tax evasion.

Asset Accumulation

Captives accumulate assets. These assets result in significant surpluses or reserves for policy claims. These insurance companies need to keep a portion of their assets in case of an emergency.

Because it is quick and easy to draw money out of a captive, companies may seek to cash out the surplus over the assets they are required to save. However, but this may have substantial tax implications, especially if this money is not used on a covered emergency. Therefore, these companies must weigh the benefits of drawing out the money against tax penalties.

Companies in high-risk fields may choose to create their own captive insurance company. However, they should weigh the advantages and disadvantages prior to withdrawing the captive’s assets.


Sunday, September 27, 2020

4 Gifts Men Will Love

If you are looking for something to buy a man in your life, there are so many options to choose from that you would be forgiven for not knowing where to begin. No matter what the occasion might be or what relation the man is to you, there are many ways to approach this. Whether you find gift-buying to be stressful or you generally revel in it, either way it’s good to have a sense of what to buy. Let’s take a look at some of the best gift ideas for the men in your life.

Self-Care Products

There is a real trend of male self-care products right now, and you could make use of this in buying something that your man is going to be able to use on himself. There are many to choose from, so whether you go down the skincare route or you end up getting him something for his facial hair, you can be sure it is going to be well appreciated. You can see beard products to discover what a great range there is, or you could simply go for something simple like a moisturizer. Either way, it’s going to go down very well indeed with most men.

Tools

Sometimes, the classic options are classic for a reason, and that is certainly true when it comes to buying a man some tools. If you know that there are certain tools that he needs, or you just want to take a risk and get something particular, then it could go down very well. Another way to approach this would be to get him a general toolbox, full of a wide range of tools that they could use at different times. That is bound to be something that they can get a lot of us out of at different times.

Cooking Equipment

Many modern men love to cook, and if that is true of the man you are buying for, then you have so many options to choose from in this area. You might go down the grill or barbeque route, for instance, or you could look into getting him some high-quality utensils or even a knife block with great knives. Or you could think about getting something you know they have been wanting, whether it’s a griddle pan or a set of wine glasses. Anything for the kitchen is generally going to be well appreciated by most men today.

Experiences

Maybe you want to try and find him some kind of experience to do instead, as this is often a great way to ensure that the gift is appreciated and that it lasts a long time in memory. If there is some kind of experience that they have always wanted to do - gliding, bungee jumping, skydiving, riding in a hot air balloon - then that is a great way to go. If not, you can surprise them with something original and just hope for the best.

Saturday, September 26, 2020

How to Effectively Create a Pet-Friendly Home

Maintaining a clean and stylish home, even with animals indoors, is possible. Check out these tips on making your home as pet-friendly as possible.

Keeping the house clean and orderly can be extra challenging for pet owners. Animals have a mind of their own, and even the most effective dog training will not stop a pet from being, well, a pet. Still, pet owners will do anything for their furry kids, even if it means making adjustments to their homes and lifestyle to keep the pets safe and happy.

Having animal hair all furniture and clothes, bites and scratches on stuff, stains on the carpet - there are only some common problems that pet owners face in the household. These can be solved with the right planning and materials. Coupled with lots of love and effort, you can maintain a clean and stylish home even when you have pets in the house. Here are some tips on making your home as pet-friendly as possible:

Buy Pet-Friendly Furniture

Upholstered or slip-covered furniture and pets do not blend well together. That is why if you have pets staying indoors, having furniture made of stain-resistant fabric is essential. Certain materials are more susceptible to stains and stinky odors, which can make your couch unpleasant to sit or sleep on. Do away with fabrics such as silk, velvet, and tweed and opt for leather, synthetic microfiber, and materials made for outdoors. Also, choose fabrics in darker colors instead of white or beige.

Use Pet-Specific Items That Will Blend Well with Your Interiors

Cat litter boxes and dog crates are functional items that your pets need, but they look out of place with your home's interior. The solution is incorporating them with existing furnishings to make them blend seamlessly with your theme. Instead of using just the litter box, you can create a litter box cabinet where your cat come and go when the need arises. It also hides the litter box well and lessens odors and mess that comes with it.

Dog crates are mostly large and bulky, which makes it harder to hide. Why not create a kitchen island that has a space below that can serve as the dog crate? That is a stylish and space-saving solution that your pet will love.

Put Screens on Your Windows

If you have a two-story house or higher and have cats in the house, it's best to install screens on your windows to protect your felines from injuries. Cats go in and out of windows, and a lot of them get injured when they jump from higher grounds. Screened windows should be enough to keep the cats in and force them to use the door instead.

Avoid Having Carpeted Floors

Carpets will absorb stains and odors that come naturally from having pets in the house. Opt for ceramic tile or porcelain flooring instead, which are highly resistant to scratches and stains. If you have to use rugs, get ones that are washable and made of durable fabric. You don't want to end up wasting good mats on dogs and cats who will inevitably scratch them.

Use Trash Cans with Lids

If you have dogs, you know too well the probability of having trash strewn across your floor or lawn. Dogs have a knack for rolling around in garbage and other smelly stuff. To discourage your pooches from rummaging through the garbage, use trash cans with lids, especially for your kitchen, pantry, and bathrooms. If you can, place these garbage cans behind a kitchen cabinet or other closed-off areas to keep them safe from your dogs.

Create a "Mud Room"

Nothing beats seeing the pure joy on your dog's face when running around outdoors, especially in muddy areas. The problem arises when the dog re-enters your home with his dirty or muddy paws. One way to solve this problem is to designate a place in your house where your dog can clean off before entering the rest of the house. An existing laundry room will be perfect for this purpose, where you can also keep your dog supplies along with the dog shower.

Make Modifications to Curb Your Pet's Behavior

Cats will always love to climb and seek higher places to perch on. If your home lacks the space for him to do it, he will try to go outside, which is a problem if you want to keep your kitty strictly indoors. Arranging your furniture can solve this - you can have cat shelves installed, which allows them to prowl and climb all they want while still confined indoors. Even better is making them a cat patio outfitted with screen walls. That will effectively contain them while being outdoors technically.

With these ideas in mind, you can prepare a house for your furry family member. This way, you can ensure their safety and health, even without your supervision.

Thursday, September 24, 2020

How Frontliner Moms Get by Every day and How We Can Help

Each of us is struggling in this pandemic. Some are battling poor mental health, difficulties in online classes, work-from-home demands, family issues, or others. But the medical frontliners, especially the moms, could have it the worst. 

Your hardships aren't invalidated, of course. Each of us goes through things differently, but the fact that frontliners work the hardest during this time is undeniable. They've been sacrificing the comforts of home for months now. Their well-being is also affected due to continuously rising cases and deaths.

Frontliners themselves come up with ways to uplift each other and their patients. Various organizations in different countries also make donations to them or visit them personally to increase their morale.

But while these actions are comforting to frontliners, they may only offer short-term joy. The things that'll benefit them more are increased support from their employers, a compassionate government, and cooperative citizens.

That said, let's see what can be done for frontliners to receive those urgent needs.

Support From Employers

Since classes are already beginning, one of the most urgent needs of frontliner moms is child care support. What employers can do is to reach out to public officials and ask for plans on long-term child care support.

Even if schools are only held virtually, young children will still need the guidance of their parents. They're too young to manage on their own yet. To address this, health care employers, together with appropriate organizations, can collaborate with the local government that can then partner with a local school district to open some classrooms for affected children, for example. And as it goes without saying, the schools should also develop plans to prevent viral infections.

Employers should also get feedback from their workers. They can only find out their exact needs by hearing it from them. A data collection survey software can help them do this, provided that they follow up each cited issue with action.

Allowing flexible work schedules is also immensely helpful, particularly to cleaners, security officers, and some nurses. Also, employers and employees must strive to achieve better work-life harmony. The higher-ups should understand the challenges faced by their frontliners better, then optimize work processes and improve their welfare.

And though giving excessive workloads tends to be inevitable these days, employers still have to be mindful about it. They must respect their frontliners' rest hours and day-offs.

How Frontliner Moms are Getting By

Every frontliner mother faces a different challenge. Some are lucky to be helped by their spouses in caring for their kids. Others have to sacrifice even more sleep to nurse their infant child.

But a struggle that all moms can relate to is the "mom guilt." They tend to feel remorseful while they're at work and their kids are staying at home. But according to physician moms, vigilance and preparation are essential to their jobs of being a mother and frontliner. Dr. Courtney Howard, a Canadian emergency doctor, is always ready to take action, even while facing a sense of impending doom.

It's saddening that a cure to COVID-19 is yet to be administered, so the least we can do while waiting for it is to cooperate with the health protocols and heed the plea of frontliners. The faster we flatten the curve, the sooner the moms can be reunited with their children. And of course, employers should regularly check in with their employees and immediately address their concerns.

Survive the Heatwave without Breaking a Sweat

Summer is coming and heatwaves in Australia are reaching record highs. In 2019, Nullarbor and Adelaide recorded temperatures of 49.9°C and 45.3°C, while temperatures in cooler cities like Brisbane and Sydney went up to 41°C and 42.4°C. Expect next summer to be the same and make a few changes to weather the heatwaves. 

Insulate

Outside temperatures shouldn't matter if your house is well-insulated. With proper insulation, temperatures inside your house can stay cooler than outside temperatures by 5-10°C, and that's without air conditioning. Prioritize insulating your roofing. Sun hits your roof more than any part of your house and it is generally the place with the highest rate of heat transfer. Minimizing heat transfer also reduces the stress on your air conditioning system. 

It won't be working as hard and would reduce your electrical consumption. Proper insulation has been noted to cut electricity bills by as high as 30 percent, so your investment on insulating your roof should pay off in just a few months. Roofing insulation can last up to 15 years so a bit of money should solve your heatwave problems for years to come. Aside from your roof, make sure to inspect your house's vents and other openings to reduce unchecked heat transfer. 

Get Some Shade

Direct sunlight is the primary cause of heating. Adding shade or extending your house's shade should reduce the temperature of the immediate area around your house. Plant a few fruit trees in line with the sun or buy full-grown ones and have them replanted. You can also build an insulated patio to add some shade near your doors or windows. A patio will allow you to spend some time outside the house if you feeling cooped up, and you'll still be protected from the heat and the sun's harmful ultraviolet rays. While patios are excellent during the summer, you can use them any time of the year when entertaining guests, hosting a barbecue, or just lounging around by yourself with a good book.

Don't Let the Sunlight In

Glass windows and doors serve as ports that let sunlight and heat inside your home. Houses with exceptionally large windows are vulnerable to heat transfer and absorbed heat can stay up even when the sun goes down. If you want to keep it cool, you'll need to add a few shades or heavy curtains to keep sunlight out. Shades and curtains are simple solutions and you can always take them down when summer ends. 

A more high-tech option is smart glass or switchable glass. These modern glass marvels can turn opaque with a switch, allowing you to regulate the amount of light entering your home but they do come with a hefty price. A less expensive option is UV-filtering film. UV film can reduce the heat entering your windows by close to 75 percent and they also keep your house safe from harmful UV radiation.

With climate change, expect heat waves to be the norm. Adjust to the changing times by making a few changes in your house that will make it resilient to extreme outside temperatures to keep your family safe and comfortable.

Passing The Time When You've Got Nothing Else To Do

There comes those moments in our lives, when we’ve accomplished all of our tasks, and we have nothing else to get on with, and we’re stuck with a little period of time before we move on to do something else. Maybe you’ve got half an hour before picking the kids up, or an hour before going to work, and you’re not quite sure what to do with yourself. You don’t usually get these little moments of freedom, after all!

So when they do hit, it’s time to take some time for yourself, and do something enjoyable and/or relaxing. And if you’re in need of a few pointers right now, here are some things you might want to get on with.

Pick Up a Book

A book is a great way to pass the time, thanks to the abundance of books on offer to us, and the amount of stories we all enjoy getting into. And if you’ve got a bookshelf of neglected paperbacks to get on with, taking the 20 minutes you’ve got right now to get stuck into the first chapter is very beneficial for you. 

Sure, you may not want to put the book down once your free time comes to an end, but you can always pick it up again later. And this is a good excuse to buy some cute bookmarks as well! 

Play Some Mini Games

If you’re bored and have a few minutes, why not make good use of your internet connection with some commitment free and fun gaming? Mini games are free to play, and all you have to do is search for the website they’re hosted on. Plus, a whole bunch of them can even be played on phones nowadays, thanks to an upgrade in modern tech! 

Any and all kinds of mini games can be found online, including bus games, racing games, dress up games, stickman games, and even story games you might find yourself coming back to… Either way, you’ve got some time to kill, and you want to have fun whilst you do so, so load up that laptop! 

Even a Nap Works! 

And if you’ve got half an hour, why not fit a power nap in, before you have to get back in the car and go elsewhere? After all, it’s very good for your body to have a bit more sleep every now and then, and all those biphasic sleepers across the globe can’t be wrong! 

So go grab a blanket, snuggle down into the sofa, and get 40 winks while you have the chance to. Recharging is always good for you, no matter what anyone else says. 

If you’ve got a bit of time to spare, and don’t know what to do with yourself, why not make good use of ideas like those listed above? Until you settle into this new found freedom, it could be a good idea to pass the time a little constructively in a more relaxed manner. 

Wednesday, September 23, 2020

We all love our pets; they're like family. But, sometimes, it can be a problem when you can't control what they do outside your home or even on your lawn. If you're considering turning your simple backyard into a luscious garden but concerned about having plants that either may be toxic to your pets or that they may destroy, here are some helpful tips to keep in mind while you make your choices.

Photo by Peng Louis from Pexels

Plant Safe But Pet-Repellent Plants

There are some plants that cats and/or dogs seem to dislike a lot. But remember, they don't like them for a reason, and whatever it is, if they've accidentally ingested too much of it, there will be consequences-not deadly but unpleasant for the pet. So, it's a good idea to pick your plants carefully and create boundaries for your pet whenever they're in the garden. Here are some plants to consider.

Prickly, Thorny Plants -They may not be the friendliest of plants, but they can make for a useful barrier between pets and areas in the garden you want them to avoid. Rose bushes, Prickly Pear, or succulents are good but avoid Aloe Vera, Crown of Thorns (Euphorbia Milii), and the Jade Plant (Crassula Ovata), to name a few, as these are toxic to pets.

Scaredy Cat (Coleus Canina) -Neighborhood cats and dogs will learn to avoid your garden, not to mention the occasional rabbit and fox, if you plant these around. When brushed or broken, the leaves and stem of this perennial plant release a foul odor similar to a skunk spray.

Herbs -Often, pets don't like the smell of some plant herbs, so they leave them alone. These herbs include Rosemary, Lavender, Citronella, Thyme, Sage, Bergamot, Basil, Cilantro, and Catmint. The latter you use not to repel them but distract and redirect them away from your more precious plants.

Citrus Plants -Most dogs don't like the strong smell of citrus, but you'd need a few of these trees planted together and producing fruit in a few years before the smell becomes unpleasant to them. Perhaps scattering some lemon, orange, lime, or grapefruit peel will do the trick in the meantime.

Crushed Red Pepper- Pets don't appreciate the scent of this strong spice. It's best to have the powder sprinkled around the garden area to repel dogs or cats or other nocturnal visitors to your garden. But avoid applying them on the leaves of your plants.

Avoid Toxic Plants

It's surprising how many dangerous plants your pets are exposed to-lilies, daffodils, foxgloves, tulips, chrysanthemums, and ivy, etc. There's a detailed list of toxic (and non-toxic) plants on the ASPCA page that can help you decide which pet-safe plants to add to your garden.

Designate a Bathroom Area

Build an area for your pets to relieve themselves. Training them to use this spot away from your garden will prevent them from having their way with your plants. Before you start building, it's vital to choose pet-friendly surfaces like cedar mulch and pea pebbles.

Choose a Safe Ground Cover

Depending on the type of dog you have, it may be worthwhile considering your options for ground turf. It doesn't have to be real grass if you don't feel like you'll have the time to maintain it properly. You can choose from either artificial turf cover lawns, or mulch. Check to make sure whichever one you decide to pick is appropriate for the size of your dog.

Elevate Your Sprinklers

If you decide to install automated sprinklers, make sure their position is elevated enough that it protects your water mechanism from being dug out by your fun-loving, dirt-digging dog.

Build a Digging Pit

This is good protection for your garden and lots of fun for your pet. No matter how you decide to build the digging pit, it's important to remember that it has to be covered overnight, or some cat will think it's a litter box specially made for them.

Apart from the smaller plants, it's important to look at the condition of the trees in your yard. Are some of them looking a bit worse for wear? Maybe it's time to get an arborist to check the health and safety of its bark and branches. If the branches are no longer sturdy or the tree is rotting at the base from a fungal infection, it may be time to have the tree removed and replaced with a healthier one.

More importantly, with thorough research and proper care, you can have a garden that will be a haven of small delights that you and your loved ones can enjoy for years to come.

The Warning Signs Of An Electrical Fire

 

Electrical fires are one of the most common household fires. Such a fire could cause huge damage to your home and put you and your household at risk. For this reason, it can be useful to know the warning signs so that you can take preventative action. Below are just some of the major warning signs. 

Unidentifiable burning smells

An unidentifiable burning smell could be coming from your electrics. Heat from worn wiring could be causing the surroundings to burn. By tracing the source of the smell, you may be able to determine whether it’s coming from something electrical.

Buzzing electrical sockets

If electrical sockets are making an odd noise such as a hum or a buzz, it could be another sign that the wiring is worn and at risk of causing a fire. Strange sounds aren’t always dangerous, but are still worth looking into. 

Discoloured/charred outlets

You should also look out for electrical outlets that seem discoloured or charred on the outside. This could be a sign that burning has already started to take place and that a fire could be around the corner.

Circuit breakers tripping

If your circuit breaker keeps tripping it could be any number of electrical faults. A tripping circuit breaker is common in homes with old wiring and could be a sign of damaged electrics. An electrical fire could occur as a result.

Visibly old/worn wiring

Is there any wiring in your home that looks visibly damaged or old? Perhaps the wire casing has worn away or perhaps your wiring looks messy and amateurishly done. This could also be worth looking into - damaged wiring could be the cause of a potential electrical fire in the future.

How to prevent an electrical fire

If you spot any of the warning signs listed above, you should hire an electrician to take a look immediately. Fixing the problem could help to prevent any electrical fires in the future.

Electrical work can be expensive, which can put some people off. If you haven’t got any funds to pay for electrical repairs, you could consider looking into payday loans and other borrowing methods. Alternatively, some electrical companies may offer the option to pay in installments. 

That said, if it’s just a single outlet that needs fixing, you may find that the cost is quite low. It’s only if you have to think about rewiring your whole home that you may want to worry about the cost. If you’ve got very old wiring, as costly as it may be, it could be worth it - there could be other hidden electrical dangers in your home. 

There are other fire safety measures that you can take to help prevent a fire. These could include making sure that extension packs aren’t overloaded and that electrical appliances are kept away from water sources. It’s also worth avoiding any DIY electrics in your home, unless you really know what you’re doing. 

Saturday, September 19, 2020

Non-embarrassing Ways to Get Some Quick Cash

It is not unusual to hear of people doing some strange things in order to earn some cash. Whether is selling plasma or being a sperm donor, you may not want these experiences in your life history as you figure out how to pay for much-needed car repairs. Fortunately, there are a few other ways to legitimately line your pockets when you need it the most.

Apply for a Loan

It’s not always the most ideal, especially if you struggle to make ends meet with your current budget, but short term loans Mississippi companies offer may be the help you need. If you have good credit or something of value that can be used as collateral, you may have no problem getting approved for a loan.

Sell Your Things

You probably don’t realize how many things of value you own that can be sold for extra cash. Stocks or mutual funds that aren’t attached to your retirement account or an option, or you could sell old smartphones or an extra vehicle. If you search the house for items to sell, you benefit from having a house that been de-cluttered and cleaned out.

Check With Community Organizations

There are many places in the community that provide assistance to those in need. You may have to call around to find a church or organization that can help with a utility bill, or your employer may have an emergency fund that employees can borrow from.

Plead With Family and Friends

It may take a little humbling, but an unexpected medical crisis or home repair isn’t something to be ashamed of. Your friends and family may be thrilled to offer assistance, whether in the form of a loan or simply sending you some money.

When you fall on hard times or you struggle to make the payment on your mortgage, there are many places you can go for financial assistance. These happen to be some of the least embarrassing options.

Prep Your Home for Winter

With fall weather upon us, now is a good time to start planning your home maintenance so it's ready for the colder weather. Before you begin, here are a few items you should add to your to-do list to ensure you're ready for the winter when it arrives. 

Check Your HVAC

To keep your HVAC system in good condition, it's a good idea to have it serviced each year. Before cooler weather settles in for the season, have an HVAC contractor come out to inspect and clean your system so that it continues to run optimally during the long winter months. 

Clean Your Gutters

Once the leaves start falling, you'll want to set aside some time to clean your gutters so they don't get clogged, which can cause them to back up or overflow. While you're cleaning them out, give them a good inspection to see if they're still in good condition. If they're in disrepair or have seen excessive wear, it's time to call for gutter replacement St Louis.

Seal Your Home

Before cold, damp weather arrives, you should seal off your home to protect it from the elements. Take the time to walk around your home and caulk around windows and doors to prevent energy loss. Sealing around your home also prevents critters from making their way into your home during the winter, which can lead to infestation. You may also want to consider sealing your driveway if it's pavement to prevent cracking during the colder months. 

Close Your Pool 

If you have a pool, you should be sure to have it cleaned, drained, inspected, and closed up well before winter arrives. While you're having your pool shut down, have your sprinkler system winterized as well to prevent blown lines when the ground freezes. 

With these items crossed off your fall maintenance to-do list, you'll be ready to relax when winter arrives and rest easy knowing your home is prepared for winter's arrival. 

 

Are you no longer intimate with your partner? Both physical and emotional lack of intimacy comes as no surprise in marriage, triggered by a myriad of situations that happen along the way. However, not every married couple is capable of resolving marital issues on its own, hence ending up estranged. 

Nowadays, marriage counseling has become an effective way of saving relationships. These therapies teach individuals how to express their emotions, admit their fears, and let go of their grudges. 

These are the main ways in which therapists help partners renew their love.

Improved communication

The core of marital problems is predominantly the communication between partners, such as barely speaking to each other, not being able to find a common language, or turning a blind eye on what the other spouse wants to say. Therefore, marriage counseling sessions provide the perfect opportunity for individuals to vent out without feeling disconnected. Visit this page to check out some helpful strategies for improving communication in marriage. 

Additionally, therapists ensure no issue is left unheard, hence allowing both spouses to share their side of the story. In the meantime, they take the role of mediators by providing unobstructed two-way communication, preventing partners from interrupting each other while opening their souls. These professionals will make sure you understand why the old patterns of interaction are no longer functional, as well as assist you in finding new ones. 

In some cases, having no normal conversation between spouses is triggered by the fear of one partner to share its opinion and true feelings. In such scenarios, marriage counselors provide the necessary encouragement to individuals to speak up without feeling afraid. Therapists work on improving clients’ self-confidence, as silence is definitely not golden in a marriage. 

Fear realization

Many married couples cope with repetitive arguments due to the fear of certain aspects of marital life. Most individuals aren’t even aware of their underlying fears, thus inducing unnecessary quarrels in the hope of getting rid of their negative energy. Nevertheless, the arguments keep on repeating as long as spouses take no action to overcome their fears. 

Instead of going through tirades every single day, couples therapy might provide you with the long-desired peace of mind. Most of the respectable marriage counselors are experts in helping married couples understand how fear affects their relationship. Through conversation, your therapist will make your realize your deepest fears, such as having financial problems, not being prepared for the role of a parent, or feeling no longer intimate enough with your spouse. After admitting your fears and discussing them with your partner, you’ll no longer be tempted to initiate quarrels. 

Improved intimacy

Another major issue married couples experience over the years is the lack of both physical and emotional intimacy.  It’s common for spouses to drift apart after years of being in a marital union, as infatuation fades gradually. However, partners should strive to keep the spark alive, regardless of the inevitable feeling of monotony. 

For instance, most couples forgo physical intimacy after their newborn arrives due to being overwhelmed by their new role of parents. For some spouses, the sexual dry spell lasts for a few months, while for others it lasts much longer. In the latter case, most partners feel like strangers, which might eventually result in an emotional, not just physical estrangement. 

Fortunately, marriage counselors help spouses deepen their intimate connection both on a physical and emotional level. By tackling the core of the issue, these professionals enable married couples to rekindle their spark and restore their intimacy. 

Learn to forgive

Couples therapy teaches partners about the power of forgiveness, which most individuals lack. Instead of putting an end to your marriage after learning about your husband/wife’s infidelity, find the strength to give him/her another chance. 

Moreover, counseling might prevent you from terminating your relationship prematurely. After listening attentively to what your spouse has to say about its disloyal behavior, perhaps you’ll reconsider your opinion about getting a divorce. Go to this link, https://www.wikihow.com/Forgive-After-an-Affair, for some useful tips about forgiving after an affair. 

Final word

Marriage counselors are the right professionals to consult when coping with marital problems. 

Don’t miss the chance!

How Hard Is It To Go Vegetarian?

You might be interested in going vegetarian. There’s a lot of buzz around this idea lately and that’s largely due to the fact that the celebs and the athletes are jumping on board the bandwagon. Indeed, many now swear by a plant-based diet. But, you might be wondering how difficult it is to make this change. After all, it’s going to be a massive shift in your lifestyle. Let’s look at some of the key points to consider.

Slow And Steady 

First, you do need to make sure that you’re not rushing this change. It’s important that you give your body and your mind time to readjust to this new lifestyle choice. It’s not something that you can do overnight and if you try to make the change this quickly you are going to run into issues. You could find that your body reacts negatively because you will be depriving it of things that it was used to. It can take a full year to make this change and you should only remove meat from diet gradually. Start off by changing one of your meals - preferably lunch - before going vegetarian full time. You’ll find it a lot easier if you approach the change this way. 

What About the Budget? 

You might have heard it’s more expensive to be a vegetarian than to eat a meat-based diet. But how is that possible? After all, most meat products cost a fortune? Well, to go vegetarian in a way that is healthy you need meat substitutes. Meat is a solid source of protein so you need to ensure that you are getting this from another place rather than losing it from your diet. Without the right amount of protein, you will feel a great deal weaker and that’s definitely not what you want. So, you could need to factor in more money for your food shop. 

Finding The Right Foods

When you start to go vegetarian it can be tricky to find foods and dishes that you enjoy and that fill you. We recommend exploring various different options before settling on the dishes that fill you up and provide the right taste or flavour. You could try this vegetarian ramen recipe as an example. It certainly packs in a lot of delicious flavours that you are sure to enjoy. You can also experiment with different options and great your own recipes if you’re not scared of being adventurous in the kitchen. 

Can Anyone Become A Vegetarian? 

Finally, you might be wondering whether there is anything that could stop you from becoming a vegetarian. The good news is that if you approach this the right way, there is nothing that should stop you from making this change. You just need to be smart with your decisions and ensure that you are not jumping the gun. It is also absolutely vital that you still give your body everything it needs. If you are unsure of how to do this, speak to a nutritionist. They’ll be able to help out. 

Thursday, September 17, 2020

Could You Turn Your Hobby Into A Business?

What you do away from work is your true passion, so why not consider making that into your career? After all, you will likely love what you do, and find more time for it, especially if you spend a lot of your time doing it anyway. 

Photo by Flora Westbrook from Pexels

However, it will take a little more than just a passion to start a successful business, as the Debt to Success System - DTSS talks about. 

So, Should You Start A Business? 

As you think about the idea of turning your hobby into an income or a business, there is one thing you need to ask yourself. Should you be starting a business? You also need to consider the fact that if you start a business from a hobby, you risk no longer enjoying it. The pressure of meeting financial goals, customer expectations, and working to a schedule can sometimes take away the relaxation, enjoyment, or personal satisfaction. 

You have to think about whether you would be able to let go of the hobby if your business took over and you never felt the same about it again. There is also every chance that you will continue to love your hobby and enjoy your business for many many years. 

Some steps you need to think about include: 

Setting A Goal 

It’s not only about making the choice to turn your bobby into a business, this isn’t a goal. You need to establish what you are aiming for. Are you looking for a side hustle? Or do you want to create an empire? If you’re intending on quitting your day job to run it full-time in the future, then you need to set a goal and know what to expect. 

Do Your Research

Many people starting a business become enamored with the product or service on offer, and when it’s a hobby it can be even worst. This makes market research an imperative part fo turning a hobby into a business. You need to be clear that you aren’t the only person to find it appealing. Take this time to learn about your potential customers. 

Find The Business Model

The next part of your research is to find and identify your business model. It can be really easy to identify a problem, have a great idea, and jump right in with your product or brand development. If you don’t have any idea on how to make money, you will never get your business started. You need to know: 

    1. How much it will cost to create your service or product

    2. How much much it will be to sell it. 

    3. How much your customer is willing to pay. 

    4. How you’re going to sell it. 

Test It Out 

So, you’ve done the research and created your business model, however, it’s all hypothetical. You think you know that there is an opportunity, you think you know who your ideal customer is, and you think you know how to sell to them. But, before you go ahead, you need to validate your thoughts.  

You could consider: 

    Taking preorders. 

    Having a coming soon landing page

    Selling a small limited number as a prerelease. 

    Run digital ads. 

And others. 

You then need to look at how successful it was and if it was on a larger scale, would it make you a profit? 

Build Your Business Plan

Once you have done these and you are happy that your want to continue to turn your hobby into a business, it’s time to develop your business plan Writing a business plan will help you make thing official and ensures that you are covering all your bases. You can piece together your market research, goals, costs, and then think about long-term milestones and goals. 

You don’t need to write a huge document, you can easily run off a lean plan. They are simpler and they allow you to make your plan adapt and grow with your business. You will still have all the paperwork and information that you need if you need to find investors or take out a loan, but it will take a lot less time to piece together and start working from. 

Just remember that if you end up creating a business from your hobby, the process could lead to you disliking or hating something that you enjoy and love. It can also lead to you disliking it over time. With continuous operations to consider. It’s perfectly natural for this to happen, and there are always new ways that you can inject a bit of excitement back into a hobby. 

What To Consider Before Caring For An Elderly Relative


We are all getting older, and as we do, we may often need someone to take care of us. If you have a close relative that needs to be cared for, it may fall on you to be that someone for them. 

But before you undertake the role of carer for them, there are some things that you should first consider. You’ll need to make sure that you are up to the task and fully committed. Caring for someone is more than a full-time job. It will take patience, resilience, and it will be both physically and mentally challenging. At times, it will be upsetting, and you may often feel as though you’re not getting a break. But there will be other times when you’ll be thankful for the opportunity to care for someone that you love when they need you the most, and it will be rewarding. 

Here are some of the things that you’ll need to consider when it comes to caring for an elderly relative. 

You’ll Need to Think About Their Mobility 

As people age, they are often unable to get about as easily as they may need. You may need to help them to get about their own home as well as if they go out anywhere. 

To do this, you should make sure that their home is tidy and free from trip hazards. Make sure that there are handrails for them to hold on to. If they need a walker or a wheelchair, make sure that these are provided for them. 

You may need to help to lift and move your elderly relative. If you need to do this, you should ensure that you think about your own safety first. Invest in some equipment to help you lift them and, if possible, go on a course to learn how to safely lift someone yourself. 

You’ll Need to Do Lots About the Home for Them

There will be a lot that you’ll need to do around their homes for them. This will mean cleaning the home, washing the dishes, running errands, and cooking meals. 

You’ll need to make sure that they get a balanced and varied diet. One way of ensuring this while saving time is to batch cook lots of meals. That way, you can simply reheat their meals as they are needed. 

You’ll Need to Think About Respite

Caring for an elderly relative is hard work, and it will take it out of you. You may have other responsibilities in life, such as a job or a family of your own. Because you cannot take a day off from caring for someone, you should think about finding senior centers that will allow you to take some time away or even a respite care center. 

Remember, if you are going to care for someone, that you’ll need to put yourself first. If you burn out as a result of caring for them, then you’ll not do a good job. Make sure you build a support network around you and take some time for yourself occasionally. 

Thursday, September 10, 2020

Here's Why Your Home Is Costing You A Fortune

Are you struggling with high home costs? You’re certainly not alone. There are lots of people that wonder how on earth their home costs them so much money. Well, you’ll be pleased to hear that this post is providing the answers as well as the solutions. Are you ready to jump in?

Faulty Equipment

It is possible that your home is costing you a fortune because some of the key equipment needs repair. For instance, you might need an HVAC service if you find that you regularly have to turn your thermostat up to the boiling point to keep your home warm. This is also why you should be checking your systems about once a year. It can save you from an expensive surprise repair or even worse - a full replacement. It’s easy to arrange key checks like this for your property. 

The Wrong Tech 

Alternatively, it might be an issue with the tech in your home. If you have older tech in your property it’s always going to cost you more money because it won’t be as eco-efficient. That can mean that there are hundreds extra on your energy bill. To deal with this problem there are a few strategies that you can take. One option would be to upgrade your tech every couple of years. Another possibility would be to rent some of the techs that you use. This is becoming a more popular choice, particularly for those who have home offices. 

Poor Insulation 

Or, it could be an issue with poor insulation that is causing your bills to go sky high. If you have poor insulation, you are going to struggle to easily keep your home hot and cold. Instead, you’ll need to work your AC to the max through the summer and your heating system will be on full blast through the winter. Usually, this will be due to the seals around your windows being blown. It’s an easy fix but you will have to invest in a new set of windows. This might not fit into the typical home budget. 

Someone Is Eating Power

Finally, it could just be one person or a couple of people in your home who are responsible for the surge in costs. That’s because they might have a piece of equipment that they use regularly and eats energy. Games consoles, certain laptops, and fans are all common issues here. You should check the energy ratings of devices like this and potentially set a limit on how much someone in your family can use them throughout the day. If you do this, you should find that your costs immediately start to decline as your energy usage drops. 

We hope this helps you understand some of the key reasons why your home could be costing you an absolute fortune. With our tips, you’ll be able to cut the costs down to size and guarantee that you get things back on the right track. You could be amazed by how much you manage to save in your budget. 

How To Protect Yourself From Asbestos

Asbestos, though is has many uses and is very versatile, is a very dangerous substance. It is known to cause cancer and many other health issues. If you are doing any work with products that contain asbestos or if you will be near someone who is, then you need to take special care to make sure you do not get exposed. If you cannot do this on your own or you do not feel comfortable then the best idea is to hire a professional. Asbestos is dangerous and no job or project is worth risking your health.

Coveralls

Thin disposable coveralls will protect you while you work and they are also lightweight and breathable so you can still remain comfortable. Coveralls will protect your skin from asbestos.net fibers and any other debris that may be around while you are working. They will keep your skin from getting irritated and they will also make it much easier to clean up when you are done. Because asbestos fibers are so dangerous you do not want them clinging to your skin or clothing, especially after you have taken your other protective gear off.

Goggles

Goggles will protect your eyes from asbestos particles. Asbestos fibers are microscopic and they travel far when released into the air. This is not a substance you want to get in your eyes. Goggles that create a seal all the way around your eyes will offer the best protection for this type of work. They will also protect your eyes from any other debris or flying parts while you work.

A Respirator 

A respirator is probably the most important piece of you protective equipment. Most of the problems that asbestos causes come from breathing in the particles and microscopic fibers that are floating around in the air once they are disturbed. It is very important to get a respirator that covers both your mouth and your nose and uses HEPA filters. Regular paper masks that are used for dust or mowing the lawn will be of no use when it comes to asbestos. It is just as important to ensure that you are using the respirator correctly as improper use will render it useless.

Working with or around asbestos can seem very intimidating and daunting or even scary. However, there are plenty of ways to make the experience safe. If you visit your local hardware store you'll likely find what you need and someone who can help you.

Discover How To Turn Your Budget Into Your Best Friend

 Do you constantly find that you are at war with your budget? It never seems to leave you with enough money at the end of the month? Well, you’re not alone. A lot of people feel this way when it comes to trying to push through on a tight budget and eventually, they just end up ignoring it or pretending it doesn’t exist. We’re here to tell you that you should never do this. Instead, you should learn to work with your budget because then it can become a true friend. Let’s figure out how to do this. 

Check On It Regularly 

A friend is only going to stay a friend if you put the effort in and don’t just rely on them to provide benefits. Your budget is the same. You need to make sure that you’re checking on and guaranteeing that it’s healthy and happy. It’s important to ensure that your budget never falls into the red on your watch which can happen. One of the easiest ways to do this is by setting up online banking with online banking, you’ll be in a great position to keep your budget healthy. You’ll always know if there’s an issue or problem that needs correcting. 

Give It Rewards

You should also be giving your budget presents every so often in the form of extra money. You can do this by making the right choices about how you use and invest your money. For instance, rather than using a typical bank, you might want to explore credit unions. These can be more beneficial and help put you in a stronger position on the market. Credit unions provide great benefits to members in their community and this could include you. 

It’s also worth looking at different side hustles. Side hustles can be great fun if you choose the right one. They can also help inject that extra cash that we were talking about into your budget. As such, they could be well worth a little effort. You just need to find a side hustle that you’ll enjoy or that you can invest your spare time into. 

Don’t Cheat

Finally, you need to be careful about borrowing. While borrowing can be useful it can also mean that you are cheating on your budget. This will be the case if you are living past your means. This isn’t what credit is for. Instead, credit is for borrowing money you don’t have at the moment but that you will in the future. So, for instance, if you’re buying a holiday on credit, it’s important to budget and ensure that you can cover it based on your future earnings. Not budgeting for the future is a mistake that a lot of people make to their own detriment. 

We hope this helps you understand some of the best ways to ensure that your budget works for you rather than becoming an absolute nightmare. A lot of people hate living on a budget but when used correctly, it can quickly become your best friend. A truly great asset in your life. 

Saturday, September 5, 2020

When it comes to the people in your life, you want to do everything you can to keep them healthy. You want to see them well, and sometimes that means that you’ve got to step in, helping them to get their health in order, even if they don’t want you to. It can be difficult, but it’s something that you’re going to have to do if you want to see them stay in good health for as long as possible. In this article, we’re going to be taking a look at some of the things that you can do to help those you love stay healthy, so keep reading if you want to find out more.

Encourage A Good Lifestyle

The first thing that you always want to do is encourage a good lifestyle. It is often the case that the better someone’s lifestyle is, the better and more healthy they are going to be. For example, if they are eating properly and exercising regularly, they are more likely to feel well in themselves. Of course, it depends on the person and a number of different factors as to how much exercise they should complete, what kind of foods they need to eat, and so on. You’ve got to remember that not everyone is the same, so what might be considered healthy for you may not be for your parents, for example. 

Encouraging a good lifestyle is all about knowing what will best suit the individual. Like we said, healthy eating and exercise are both general ways to stay healthy, but it’s going to vary from person to person. Speak to a medical professional if you’re not sure exactly what the best path to take here is.

Any Extra Help That They Need


You should also be looking into any extra help that they need. Some of the things that you will take for granted, others will struggle with any may need help. It might even be the case that you need to look into extra help for your loved one because the level that they need is beyond what you can provide. For example, if you look into independent senior living, you may find that this sounds exactly like what someone in your life needs right now. Help is always available to those that need it, 

Take Preventative Measures

If you know that your loved one is at risk of developing an illness such as diabetes, then preventative measures need to be taken. It’s not something you want if you can avoid it, so they’re going to need to cut down on the level of sugar that they are eating. It’s really simple things like this that will make the biggest difference.

We hope that you have found this article helpful and now see some of the things that you can do to help someone you love stay as healthy as possible. Take this advice, and we’re sure that they are going to appreciate all the help you are giving when they feel better than ever.

Friday, September 4, 2020


Many people want homes that are energy-efficient. Not only are they better for the environment, but energy-efficient homes can save you a significant amount of money on your power bill. You don’t need a lot of expensive equipment to create an energy-efficient home. Here are three things you need to know to make your home more energy-efficient.

Your HVAC System Uses a Lot of Energy

Even if you have an energy-efficient HVAC system, it still uses a lot of power to keep your home at a comfortable temperature. If you aren’t taking measures to improve efficiency, your unit will have to run more frequently to be effective. Install energy-efficient windows to keep the interior of your home comfortable and seal cracks around windows and doors so cold or hot air doesn’t penetrate your home. You may also want to use spray foam insulation Maryland to keep air from escaping through walls and attics.

You Conserve Energy When You Use Less Power

The more power your home uses each month, the more energy it uses. Reducing the amount of energy you use doesn’t have to be difficult. Turn off lights when you aren’t using them and try to reduce the number of times you run appliances.

You Can Buy Energy-Efficient Appliances

You don’t have to stop using appliances to be energy-efficient. You can buy all types of appliances, from washers and dryers to refrigerators and dishwashers, in energy-efficient models. While they may be expensive, you will save more money in the long run because these models conserve power and save money on power and water bills each month.

Creating an energy-efficient home is not as difficult as it sounds. Once you know these three facts, you can take simple steps to make your house more energy-efficient to help the environment and save you money on utility bills.

Tips on Choosing the Right Storage Unit Provider

 

Image credit: By Mike Mozart from Funny YouTube, USA - Storage Units, CC BY 2.0, https://commons.wikimedia.org/w/index.php?curid=71212045

A recent study found that removing clutter from a home can reduce the amount of housework a person has to do by over 40 percent. If you are tired of kicking items out of your way to get around your home, now is the time to do something about the clutter. As you start to clean out your home, you will need a place to put items you don’t want to get rid of.

Renting a storage unit is the best way to get the room needed to store your items. With all of the different storage unit providers on the market, finding the right one can be difficult. Here are some things to consider when trying to choose a storage unit provider.

The Security Factor

Before you select a storage unit to rent, you need to take the time to visit the various options in your area. By visiting the storage unit establishments in your area, you can get an idea of what each one has to offer. When assessing personal storage units Canon City CO, be sure to look at the security measures in place.

Ideally, you want to choose a facility that has secured gates and cameras in place. With these security systems in place, you can rest assured your possessions will be safe. Paying a bit more for a highly-secured facility will be worth it.

Getting a Good Deal

Another factor you need to consider before renting a particular storage unit is the price. Finding a mix of both value and size will not be easy. Calling around and getting quotes from the storage unit suppliers in your area is helpful. With this information, choosing the right storage unit will be a breeze.

By weighing all of the storage unit options in your area, you should be able to find a great deal on the space you need.