Things To Think About When Buying A New Car

If you are considering buying a new car, there are likely lots of things that are running through your mind right now. From the obvious and straightforward choices you need to make to the ones that take a little more consideration, it can feel like every time you think you know what you are doing, another one of those thoughts pop up in its place. Fear not, however, as that is why we have written this post - to help you out by listing all of the things that you need to think about when it is time to purchase a new car. 

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Selling Your Old Car

Many people need to sell their old car to fund the purchase of their new one. You first need to think about the condition that it is in. If it is still roadworthy and not too battered and old, you will probably get a fair amount of money for it. However, if it could be described as an 'old banger', then that is probably not going to happen. Do a thorough inspection of the car, from the interior to the exterior, and under the hood. If there any minor issues, think about addressing those before you try to sell it on - this can help increase the value of the car. 

You then need to think about how much you are aiming to get for it. Be realistic with your expectations - do not aim for something ridiculously high that you are never going to get, but at the same time, do not undervalue your car. You can always drop the price when negotiating with a potential buyer.  You also need to decide whether to sell to a private buyer or a trader. There are benefits to both options, so weigh up the pros and cons of each and decide which would be best for you.

New or Second Hand?

When we are talking about a new car, we do not necessarily mean brand new - we mean new to you. You may well be looking for a second-hand car, and if this is the case, you need to check out sellers very carefully.  If you are going car shopping in Tucson, AZ, a reputable dealership may well be your best option. Sometimes, it can be a little risky to buy from a private seller.  You will find that most established second-hand auto traders offer you some sort of guarantee or warranty that is not provided by private sellers, but this gives you an extra layer of protection on the off chance that something should go wrong.

If you do decide to buy a brand new car, make sure that you shop around to get a good deal and make sure that you do get a comprehensive warranty from the dealer because while unlikely, things still can and do go wrong. 

How Are You Going To Pay For It?

If you have the cash to buy the car outright, that is great, but if you are upgrading your car or purchase brand new, it is likely that you wouldn't be able to purchase it outright. This means that you need to look into a car financing option that works for you. There are many ways of doing this, such as hire purchase. This means paying an amount every month, but you do not own the car until you have fully paid it off. Others prefer to get a personal loan from the bank so that they can pay cash for the car and then pay the loan back to the tender. The advantage of this is that you have a good credit score; you may be able to get a lower interest rate on your vehicle. Be aware though that interest charges on your loan can fluctuate without warning

Car Insurance

Car insurance is something you need to think about before you purchase a car. There is no point in buying a car if you cannot afford to pay the insurance on it because of the engine size or because of it being a particularly desirable car. Once you know the registration of a car, you should be able to go online and get quotes for the insurance to give you an idea. By doing this, you will be able to compare prices and know whether you can afford the monthly or annual insurance premiums. 

You should also think about what may occur when you are facing any kind of car accident. A car accident can turn into one of the most difficult situations in our lives. These types of unforeseen events can happen to any driver due to many factors. That is why it is important to be prepared and know what can and should be done after a car accident. Our accident attorneys not only focus on the laws and regulations, but they also understand the pain, confusion, and concerns of people who have been through this stressful situation. We are aware of the irreparable damage that a car accident can cause and how difficult it is to recover for many of the victims and their families.  

Regardless of the type of accident, always contact the authorities as soon as possible. The police will initiate an investigation of the incident. Regardless of who was responsible for the car accident, it is essential to have an official report from the authorities because it can be of great help. When the police arrive on the scene, collaborate with the officers, make a note of the officers' names and the patrol number, and ask where you can get a copy of the report. Then you will need to look at attorneys. A Car Wreck Attorney can be hugely beneficial. 

Extra tip: do not sign any documents or papers or give information to other people, except for the police, emergency medical services, your insurance company or your lawyer.

Vehicle Protection Plans

When shopping for a new car, it's essential to factor in vehicle protection plans as part of the buying decision. These extra coverage plans go above and beyond manufacturer warranties to provide repairs, maintenance, and sometimes roadside assistance if something happens outside their scope of coverage. Plans offer various tiers, each providing different levels of protection, to fit the unique needs of every vehicle owner. While adding the upfront costs may seem unnecessary, remember that in the long run a properly structured vehicle protection plan could save significant sums if major repairs become necessary. Cars Protection Plus understands the importance of fully understanding each plan’s coverage, limitations and overall cost before making an informative decision about purchasing and protecting a new car.  

Other Costs 

There are many other costs that you need to consider on top of the purchase price and car insurance. For example, you need to think about the vehicle tax. You would need to pay this every six months or every year, depending on the plan that you choose. As well as this, it is always a good idea to add on breakdown cover just in case - you do not want to break down and have no way of getting to your destination! All of these costs add up, and these are not even the full extent of it.

You also need to take into account the amount of fuel that you will need to run the car. This is dependant on a range of factors, such as how often you drive, the distances you cover, and how economically you drive. You must not forget to take this into account when you are looking at all the costs associated with a new car. It is all well and good to be able to afford the purchase price and insurance, but if you can't afford to put fuel in, you will not be going anywhere.

Also, remember that if something goes wrong and a guarantee or warranty do not cover it, you will need to fork out for the repairs. If there is something wrong with the engine, that is going to cost you. Tires, which do need replacing regularly, will cost you a fair bit. 

All those smaller costs add up and usually come to bite you when you least expect it or can afford it,  so, you need to plan for every eventual cost that you could need to pay before you purchase a new vehicle.

Too Much Sugar Can Sour Your Mood Instead of Sweeten It

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Did you know that what you eat can dramatically impact how you feel for the rest of the day?

You may recall enjoying a heavy meal - say, three slices of your favorite pizza followed by a huge ice cream sundae - and subsequently feeling moody and lethargic. Or you may have just enjoyed a big bowl of salad and felt focused and invigorated afterward.

On the other side of the spectrum, your mood can also influence the food you crave. If you had a rough day at work, you're more likely to finish a tub of activated charcoal ice cream and fries while watching your favorite sitcom. If you finished a good workout, on the other hand, you may want to grab something healthier, such as steamed vegetables, grilled chicken, and your favorite flavored water minus the artificial sweeteners.

Simply put, numerous foods can either make or break your happiness. But if there's one food that you should be wary of, it's sugar because nothing can jeopardize your mood more than excessive intake of sugar.

How Does Sugar Affect Your Mood?

"But how can sugar make me sad? It makes me happy!" you might say.

Sugary treats have become the go-to comfort foods of people who are stressed and sad. But excessive consumption of your favorite sweets could negatively influence your mood.

Think about the time you over-indulged in chocolates or enjoyed a second (or third) helping of pasta. At first, you might have felt good since these are the exact foods you wanted. But as the body converted the carbohydrates into sugar, you might have started to feel cranky, tired, mentally foggy, or a little anxious.

Initially, sugar satisfies your brain's craving centers. It increases your heart rate and blood pressure, which can give you a surge of 'happy' energy. But after the surge of energy comes the crash, aka the sugar crash. The higher your sugar levels go, the harder you will fall.

Symptoms of your blood sugar spiking include headaches and fatigue. Low blood sugar, on the other hand, creates irritability and anxiety. These up-and-down moments with your sugar levels create a series of highs and lows that can negatively influence your mood.

Finally, sugar can also act as a drug by triggering your brain's reward neurotransmitter, dopamine. Studies prove that sugar can be more addictive than cocaine. Even though you know the sugar isn't good for you and your mood, you still crave those treats that leave you feeling bad.

Sugar's Role in the Gut-Brain Link

Excessive consumption of sugar causes inflammation throughout your body, including your gut. Studies show that gut inflammation can also cause mood disorders such as depression and anxiety. What affects your gut affects your brain, too.

Your gut sends a variety of neurotransmitters and hormones to your brain. One of them is serotonin, the hormone in charge of your mood and feelings of well-being. Your gut manufactures serotonin. If you don't have enough of these mood-influencing neurotransmitters due to a gut problem, you may experience mood disorders.

Reduce Sugar to Optimize Your Mood

The momentary bliss sugar offers come at the cost of exacerbating or triggering feelings of depression and anxiety. If you want to stabilize your mood, reduce the amount of sugar you consume. Apart from reducing your sugar intake, creating healthier lifestyle strategies can make you feel good.

Consider the following:

• Get off to the right start. Start your day with a healthy breakfast rich in fiber and protein. This healthy breakfast will not only reduce your sugar cravings; it can also stabilize your mood. Go for oatmeal with dried fruit or wheat bread with natural fruit jam.
• Satisfy your cravings with mood-boosting foods. Improve your mood with good mood foods that are nutrient-dense. Among these foods include the following:
• Low-sugar fruit and non-starchy vegetables. These foods are rich in mood-enriching nutrients such as iron, vitamin B1 and folate. Include plenty of berries and leafy greens in your meals.
• Dark chocolate. If you're craving for chocolate, go dark. Dark chocolate can reduce tension and increase pleasant feelings. Satisfy your chocolate cravings by looking for an organic raw dark chocolate and enjoy in moderation.
• Green tea. Ditch the sweet coffee for calming tea rich in the amino acid L-theanine, which can stabilize your mood.
• Work on your sleep. If you have struggled with mood disorders after a night of bad sleep, work on your sleeping habits. Good sleep is crucial for people of all ages so try to get at least eight hours of sleep.

Sugar can make you happy, but for just a little while. Instead of settling for sweet, short-term serendipity, think long-term and reduce your consumption of sugar today.

Should We Help Our Older Relatives Purchase a Mobile Phone?

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If you don't feel like you are in contact with your relatives enough, why is this? When we are pretty much glued to our phones but don’t use it for actual talking. we've got to think that if we are not speaking to our grandparents or older relatives as much, we have to rectify this quickly. But when we have so much stress in our lives as we might feel that we don't have much of an opportunity to truly speak to people in our lives. But also if you have got parents or grandparents that aren't au fait when it comes to communication, it may be time for them to join the mobile phone generation.

While your parents or grandparents may not be able to operate an email account or social media, giving them a mobile phone can be a lifesaver of sorts. As they get older and become less mobile, giving them access to a world of information at their fingertips can make life considerably easier for them. While they don't need to set up social media accounts and scroll through news feeds all day, a mobile phone can make a massive difference to them, especially if they are feeling stuck at home. Take a look at the infographic below to explore what the best mobiles for older people are. If we are concerned that we don’t speak to our loved ones enough, but they aren’t “tech-savvy,” it can be a fantastic way, not just to improve communication between family members, but it could potentially save their life one day.

Infographic Design By Fanmi Senior https://www.fanmisenior.com/news/what-is-the-best-mobile-phone-for-older-people-infographic

Coping with Stress at Work

 

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Never get to a point where you confuse working hard with overworking at the expense of your sanity. Every job has some level of work-related pressure. Regardless of how much you love your job, you might be faced with a challenging obligation that stresses you.

However, when work-related stress becomes chronic, it can be harmful both physically and health-wise. Unfortunately, long-term stress at the workplace is all too common, according to a survey in America by APA. Work has been cited time and again as a significant source of stress by many Americans.

You may not be able to avoid work-related stress in its entirety due to workplace dynamics. Take a look at some sources of stress at work:

• Few or lack of opportunities for growth
• Excessive workloads
• Low salaries
• Lack of social support
• Conflict in performance expectations and unclear demands
• Unchallenging work conditions 

Stress from work doesn’t just disappear when you get home. If left unchecked, it can spiral into insomnia, anxiety, high blood pressure, and difficulty concentrating. Before it gets to that level, take these steps towards coping with stress. 

Track Your Stressors

The best way to determine what your stressors are is to have a journal. Take note of those situations that create the most stress and how you react to them.

Record your feelings, thoughts, and information about the environment, including what and who is involved in the physical setting. As you take notes over some time, you’ll notice some patterns that can help you find a solution.

Develop a Health Response

The last thing you should do is to try to fight stress with alcohol or fast food. This will only mask the problem for a while and with time compound the problem. Learn to make healthy choices whenever you feel the tension arise.

For instance, if your stressor is a low salary that’s never enough, consider getting into a financial management program. This will help you find ways to manage the little you get, so that you not only survive but also thrive. You could look into the DTSS U.S. Complete Freedom solution that propels you from debt to freedom.

Create Some Boundaries

It’s crucial to set work-life boundaries for yourself. For example, separate your time at work from home issues and vice versa. Determine that you won’t bring work to your private space, or answer work-related phone calls at dinner.

You also need to plan to stay organized and not do anything beyond your work plan. The more organized you are, the better you'll be at avoiding the adverse effects of clutter. This will improve your levels of efficiency.

While at it, avoid multitasking as it affects your speed and accuracy. To some extent, your sanity also suffers as you try to juggle between more than two tasks at once.

When to Get Help

If you do all you can to deal with stress but still can't, it's probably time to get help. Don't ignore the situation or deny you have a problem. Reach out to a co-worker for support and to buffer you the adverse effects of work-related stress.

If you don’t feel safe opening up to a colleague, go for professional help. A counselor will help unearth all underlying factors and help you deal with them adequately.

4 Misconceptions About Business Wear And Style

Are you preparing for an important job interview? Perhaps you are working to be considered for that crucial job promotion at work? If this is the case, then there are a few steps that you can explore and misconceptions about business style that you definitely need to avoid. Let’s take a look at a few of the false assumptions. 

Women Don’t Need To Think About Their Business Style 

One of the biggest misconceptions that you definitely need to avoid is that women don’t need to think about their style at all. That’s just not the case and the reality is that women could be judged by what they wear to work, even more so than their fellow men in the office. If you are worried about this, you should explore popular trends in women’s office wear. In doing so, you can ensure that you don’t look out of place in your business. However, ultimately, expectations here could differ from business to business. 

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You Can’t Be Yourself 

A lot of people assume that dressing the right way for the office means that you won’t be able to show who you are and maintain your personal style. We don’t think that’s the case at all though and you can certainly still represent your own idea of yourself. An example of this would be piercings. You can still have piercings even if you are trying to look your best in the office. If you’re looking for rock piercing jewelry shop here and consider styles that aren’t too bold. 

The Little Details Don’t Matter

You might think that customers and employers are going to ignore the little details when it comes to your personal style. However, you’d probably be surprised or even amazed by the little things about you that a customer or client will notice. That’s why it is worth ensuring that your shoes are polished and that your work outfit is well presented. You need to iron your shirt and ensure that you’re not wearing clothes that look like they need a wash. Other aspects of your style like your hair are important too. You might even want to think about getting your hair cut and styled the day before you have a job interview. That way it still looks and feels fresh. 

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You Need To Spend A Fortune

Lastly, you might assume that you need to spend a fortune to look perfect for the business office. We’re glad to tell you that you can ensure that you look ready for the office, even if you’re working on quite a tight budget. You just need to search around for different stores and look for great deals on clothing. 

We hope this helps you understand some of the things that people do tend to get wrong about business style and a few of the steps you can take to guarantee that you look great when you enter the office in the morning. Indeed, perfecting your business style could help you improve your business reputation or even help you win big at your next job interview. 

Why You Need to Pay More Attention to your Hearing

Hearing. It is something we take for granted, isn't it! Have you ever wondered what you would do should you lose your hearing or you experience some level of hearing loss? Many people overlook their hearing when it comes to having check-ups. Visiting the dentist, optician, physician, etc. is common when we think about all the appointments we need to manage our health. But we don't seem to apply the same level of consideration to our hearing.

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Once you experience any degree of hearing loss, the next step is to look at buying hearing aids to help you regain your hearing to as close to pre-damage levels as possible.

How can you reduce the chance of experiencing hearing loss from external sources?

Ear Protection

Ear Defenders, earplugs, or other headwear to help you minimize noise levels can all be helpful to keep your hearing intact. Wear them as and when you are in loud noise areas to protect your hearing and reduce noise levels to those that are safe for your ears.

Avoid Loud Noises

Not always as easy is it. However, limiting how often or how long you are close to loud noise or music can greatly impact your hearing. Noise over 80decibles can have detrimental effects on your hearing, so making a conscious effort to avoid noises in this range will help you keep your hearing in good condition and limit any loss due to loud noise.

Typical noise levels for comparison are:

            Whispering – 30dB

            General conversation – 60dB

            Moderate traffic – 70 to 85dB

            Motorbike – 90dB

            Listening to music on full volume through headphones – 100 to 110dB

            A plane taking off – 120dB

Be Aware of Your Surroundings

If you visit a place where you know the noise levels will be loud, think about where you will be standing and what is happening around you. Take a nightclub, for instance, or a concert, standing close to the music system and speakers will mean you experience the noise levels at a higher decibel than, say, someone standing at the back of the room. Making choices to stand further back or away from the source of loud noises can help you to prevent damage to your hearing in the long run.

Rest

After being in close contact with loud noises in an area for a prolonged time where there are loud noise levels, allow your ears the chance to rest and heal. Deafening sounds can be an assault on the senses and allowing your ears the quiet time they need to recover from high noise levels will serve you well in years to come.

Regular Hearing Tests

Keeping on top of regular sharing tests means you will be made aware of any changes and potential damage to your hearing sooner rather than later. Getting expert advice on how to protect your hearing from an audiologist means you can work with them to reduce or eliminate any damage before it is too late.

Four Mistakes To Avoid When Buying A Property

Buying a property is something that many of us will do in our lifetime, and it can be an exciting time for anyone who is doing it for the first time. However, regardless of whether this is your first or potentially last home, there are some things worth avoiding. Here are four mistakes to avoid when buying a property.

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Have Money Available For The Process

Firstly, it’s important to understand that buying a property and moving can cost you money. It’s crucial to work out whether that’s something you can do right now or whether you might have to hold off until you’ve saved up enough money. If you’ve already bought a property, you should know what typical costs are expected in addition to the sale of the property. You have legal fees to factor in as well as the moving process itself and that cost of moving furniture from A to B. It can start to really add up, and so you want to make sure you have the money available to cover this so that you’re not just putting it on the credit card and starting off your new home with a mountain of debt. Try to have this available and ready for use ahead of time. This requires planning and perhaps a budget that will help you save your money.

Don’t Shop For Mortgages Alone

Your mortgage deal needs to be one that’s great for you, and that suits your financial needs. You need to be able to commit to this mortgage, regardless of what initial term you go for. Don’t just shop alone for mortgages because you’re only ever going to get a handful of options before you get bored of applying. Instead, get a mortgage broker and make use of online resources like MortgageCalculator.Org. This can help provide you with everything you need in order to get the right mortgage option for you.

Know What You Want

It’s important to know exactly what you want when buying a home because it can be a serious decision that you need to make. It’s especially important if this is your first home, and therefore, a big move for you alone or with a partner. Have a checklist of things that need to be crossed off in order for you to consider the property. If they’re checked off, consider this to be a favorite but if not, then carry on searching.

Try Not To Rush Ahead

Rushing ahead when it comes to buying a home is not going to help you. It’s important that you’re not trying to get to the finish line by cutting corners or perhaps comprising because you want to get a house. Try to take your time when shopping for your home and for all the other processes needed in order to find your home and to pick the right option for you.

These are some easy mistakes to make, but if you make them, then you could be missing out on a better deal.

Boost Your Personal Finances Right Now With These Core Hacks

Doing what you can to take charge of your money is one of the best things you can possibly do. There are a lot of elements that play a part in this, and it is something that plays a massive part in this process. You need to make sure you focus on doing as much as possible to focus on improving your personal financial situation moving forward.

There are a lot of things that play a part in taking this to the next stage, and one of the key things you need to consider is the best ways of boosting your financial situation. In 2020 it has become more important than ever to manage your money better and make the right decisions with your cash. Here are some of the key things you can do to boost your personal finances right now. 

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Hire an Accountant

There are a lot of things that you can do to help you with this, and hiring an accountant is one of the best things that will help you improve your personal finances. You need to make sure you do as much as possible to bring somebody on board who is well-versed in matters of finance, and who can help you and give you the right kind of advice to help with this. There are a lot of factors that play a role in this, and it is important to ensure you choose the right accountant. 

Side Hustles

Side hustles are another hugely important part of the process when it comes to making excellent financial decisions. You need to have some sort of plan in mind to help boost your bank balance, and making sure you use the right side hustles is one of the best ways of being able to achieve this. There are a lot of factors that you need to consider, and plenty of side hustles you can use to help with this, such as e-commerce, blogging, and many more. 

Set a Budget

Setting yourself a budget is one of the most important steps you can take to help you organize and take charge of your money. We waste so much money in our lives buying things that we don’t actually need to be buying. There are a lot of things that you need to work on as much as possible here, and setting a budget to stick to is hard. But it can also be very rewarding in terms of long-term savings, and this is certainly something to think about. Head to Pigly.com for help and advice when it comes to improving your budgeting and slashing more costs. 

As you can see, there are a lot of things you can do to take charge of your cash and make better money management decisions. Try to ensure you do as much as possible to follow these ideas and techniques, and make sure you use them to try to improve your finances moving forward. There are a lot of elements that play a part in this process, and you are going to need to work on this as much as possible. 

Building the Courage To Make a Compensation Claim

There’s a good chance that you’ve seen plenty of different compensation and accident attorney advertisements. They advertise how they can help you seek compensation that will boost your bank balance and get you the justice that you deserve. Unfortunately, it can be daunting to register to these services and actually seek help. You could have a number of different reservations and you might find it stressful to go through the entire process. So to help you out, we’ve put together this post so you can build up the courage and confidence to make a claim and finally seek the justice you deserve.

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Knowing what you can claim for

One of the biggest reservations that people have when it comes to making a compensation claim is understanding what they’re even entitled to. If you told your story to someone, they might try to put you down by saying that there’s not much you could claim for, that there are no real damages and that you’d be wasting your time. While this can be true in some cases, you’ll never know what you can claim for or how much.

But it’s also not the most important thing about making a compensation claim. In reality, what most people are seeking is justice and compensation for expensive things like medical bills. They’re not really concerned with turning a profit–they just want help to get their life back to normal.

Looking for local attorneys

Once you’ve made the decision to go through with your claim, it’s time to look for a local attorney. You’ll find many helpful attorneys close to you, but it’s important to find a specialized one that works in the field that you’re making a claim for.

For example, Wetzel Law Firm specializes in car accidents and there are some attorneys that focus on family law matters. Finding the right local attorney is important, but what’s more important is that they have a solid reputation dealing with cases like yours.

Getting you back into your normal routine

One of the big reasons why people claim compensation is in order to get their life back on track. We briefly mentioned this before, but it deserves a bit more explaining.

When someone suffers something difficult such as a car accident, the initial shock and damage are the things you feel initially. After that, you’ll start to feel some of the psychological effects of the car accident. For example, you might find it difficult to drive again or you might develop PTSD whenever you enter a vehicle.

For a situation like this, it’s important to seek justice and compensation to help relax your mind. Some people might also find it helpful to seek counselling as part of the process. This will help you ease your worries and assist you in getting back on the road. This is unique to car accidents, but the same kind of rules will also apply to other situations where you could claim compensation.

Proactive Steps To Boost Your Bank Balance

It’s no surprise that money worries are one of the most common causes of stress at the moment. With many people either losing work or finding themselves unemployed, it’s an anxious time. If you’re looking for ways to boost your bank balance and improve your financial situation, here are some proactive steps to take today. 

Reducing debt

The majority of Americans are in debt, but there is a significant difference between owing money on a mortgage or a long-term loan and being in a situation where you’re using credit cards or short-term, high-interest loans to make it from one payday to the next. If you’re up to date with mortgage or loan payments, and you don’t have any other outstanding debts, there’s probably nothing to worry about. If you’re borrowing money to stay afloat, or you’re turning to credit cards to cover the essentials, there is a risk of debt spiraling out of control. Try and reduce your debts as soon as possible by seeking professional advice and using programs like the Debt to Success System. The sooner you can start clearing debts, particularly those with high interest, the better. There is support out there, and it is possible to get back into the black.

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Decreasing spending

Increasing your bank balance depends on two key factors: bringing money in and lowering the amount of money that goes out. If you’re guilty of overspending, you’re not alone. Many of us live beyond our means, and we buy things that we don’t necessarily need or even want. If you find it difficult to resist the temptation of online shopping, you get lured in by deals at the grocery store, or you’re paying for subscriptions or memberships you’d forgotten about, now is the time to carry out an audit and start budgeting. Analyze where your money goes each month and highlight areas where you can eliminate or reduce costs. Cancel memberships you don’t use and start setting a budget to save on food shopping and control how much you spend on luxury and non-essential items. It’s also a great idea to try and make your money stretch further. If your home, pet or health insurance policy is due for renewal, for example, don’t automatically roll it over for another year. Compare prices online and switch providers if there are better offers available. 

Adding to your income

Most of us would like to earn more. It’s not always possible to get a raise or increase your hours, but there are alternatives to try and boost your income. Side hustles have become very popular in recent years, and they are an excellent way to utilize your skills and talents to generate a bit of extra cash. From painting, writing and blogging and baking to teaching a foreign language or a musical instrument and offering consulting services, you could use your spare time to sell all kinds of products or services. 

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If your bank balance is lower than normal, or you’re worried about the prospect of getting into uncontrollable debt, it is possible to improve your finances and reduce the risk of financial stress. Keep an eye on where your money goes, tighten your belt, reach out and seek advice and consider ways to add to your income.

Expensive Mistakes To Make While Moving

Moving home is rarely an easy time for anyone. However, it doesn’t have to be quite as expensive as it can be, either. Here, we’re going to look at some of the most common mistakes that a lot of people don’t even realize they’re making until it’s too late and they’re being stung with a hefty bill. Keep your costs down by avoiding the following expensive mistakes.

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Having poor timing

Sometimes, you don’t have much say over when you move and you don’t have the time to prepare quite as much as you would like. However, if you do have some time, then be sure to think about when exactly you’re going to move. This blog post shows that the costs of moving do change depending on the seasons. Since a lot more people tend to move from the spring to summer, for instance, you can expect to get charged more by the majority of moving companies, since they’re busy enough to justify it.

Not thinking about what to do with the cars

If you have more than one car, or you’re planning to make the move without driving at all, then finding yourself wondering what to do with your wheels can be a very sudden and not-too-small expense to deal with. The sooner you consider what you’re going to do with your car, the better. Whether you decide to drive it after all and make sure it’s fit for the trip or you visit this website to have someone relocate it for you, it’s better to decide and prepare the funds you need for it in advance. If you have to use emergency moving services, you’re going to pay more.

Not downsizing your move

If you haven’t taken the time to sell, donate, or otherwise get rid of some of your possessions before you move, then you’re adding unnecessary cost already. A lot of the time, you’re going to find yourself unpacking on the other side and wondering why you still have X, Y, and Z. Take the time to make a full inventory of your belongings and decide what you can and can’t live without. For the latter, buy-sell-swap sites make it all too easy to sell your old possessions.

Thinking DIY is cheaper

Whether you’re talking about just moving your vehicle or moving all your possessions, the DIY approach is often more expensive. Driving your own car will use up a lot of fuel, while the costs of transporting it professionally usually gets split between multiple car owners. Meanwhile, if you aim for a DIY move without fully accounting for the costs, you might be surprised by how much it costs to rent a moving vehicle and how much you have to pay for moving supplies, as well.

Avoiding the mistakes above won’t necessarily make moving cheap, but it can at least make sure that you’re not spending a lot more money than you have to. It’s still on you to make sure you’re getting the best deal from any services you choose.

4 Car Problems You Can Never Ignore

 

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Driving a car comes with freedom and convenience. It means you don’t need to wait around for buses or spend often-extortionate fees on taxis. However, as useful as a car can be, it can also come with some problems. It’s no secret that running and maintaining a vehicle can be expensive, and this is why there are several problems that you mustn’t ignore. 

Noisy Brakes

Squeaky and squealing brakes won’t just be annoying. It can turn very dangerous, very quickly. A squealing set of brakes signifies a serious issue with your brake pads and ignoring it will mean either you have some expensive repairs on your hands or end up in an accident while on the road. Neither of these is an ideal solution, but while you may not want to pay up, this is a much more appealing solution than potentially being responsible for the injury of a passenger of another driver. 

Straight Driving 

Being able to drive straight is something that most drivers take for granted. However, while it isn’t too common, it can still happen, and this can lead to a wide variety of potential issues that will hamper your ability to drive safely. Wobbly steering means you run a greater risk of being involved in an accident as you will not have adequate control over the car. If your car seems to struggle driving straight, you can look at Suspension Alignment Shops Near me to make sure you get the issue fixed as soon as possible. 

Flashing Lights 

Flashing lights will always happen on a car, and most of the time, you will feel you can ignore them, especially if you’re a new driver who doesn’t yet understand the ins and outs of their dashboard. However, just like any other problem in your car, these warning lights illuminate for a reason. One primary problem you might encounter is the Check Engine light, which signifies a range of different issues, including transmission problems or even fluids leaking. Whatever the icon, it’s essential that you get it looked at and research what this light means to ensure you stay safe on the road.  

Shifty Shifting 

If you drive with manual transmission and find it difficult to glide through your gears, you should think about the potential problems. Not only will difficult gear shifts damage the transmission and the clutch, but it could also cause you to get stuck at traffic lights or even in the wrong gear while driving down the highway. Many drivers will ignore this issue and put it down to being a quirk of the car. However, leaving this problem for too long could be catastrophic. 

Safety First 

Ignoring problems with your car is never a wise thing to do. There is no such thing as a Best Case Scenario, and no matter how minor the issue might seem, it will catch up with you eventually. While visiting a mechanic can be intimidating (not to say expensive), it’s something you must do to ensure that your car is safe to drive. 

Bathroom Renovation and the Valuable Life Lessons It Brings

Renovation and remodeling projects may be a bit stressful, but they can also be a lot of fun. Those who have ever had home improvements done, such as adding a sunroom, installing high-quality solar panels, or remodeling a kitchen know what it's like to deal with not just the headaches but also the eager anticipation of the end result.

But there's one other aspect about remodeling projects that we found interesting. And this is the unexpected wisdom we gleaned from them, especially bathroom renovations.

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Life Lesson #1: It's important to have a clear vision of what you want

Since bathrooms are more limited in space compared to all the other areas in your house, you need to have a clear picture of what you want it to look like. It's hard to start a remodeling project with no clear goal in mind.

Similarly, in life, you need to have a vision for yourself so you can plot out how to get there. Your vision will determine the steps that you will take. It will give you the motivation to keep showing up every day and make progress constantly.;

Life Lesson #2: Preparation and lead time make a whole world of difference

Another important thing you need to keep in mind if you want to renovate your bathroom is you need to have a plan before you make things happen. You need to make sure you have enough money for the project. If you're DIY-ing it, you have to have the right tools and equipment. If you're not prepared for it, chances are, you'll end up making things worse and prolonging the process.

Preparation is also a big deal in life. It is said that if you fail to plan, you plan to fail. Have the foresight to anticipate potential problem areas and have contingency plans in case they happen. Foresight means your back-up plan has a back-up plan.

Life Lesson #3: Know your priorities

When installing a shower stall, some folks will compromise its size to give the bathroom a larger appearance. However, that few inches you choose to skimp on will spell the difference between a cramped shower space and something more comfortable. What good will a spacious-looking bathroom do if you can't even take a decent shower in it? When it comes to planning bathroom renovations, always prioritize function and not just appearances.

A lot of folks also tend to compromise plenty of things to make a good impression on people. Perhaps some of us even know a few who would spend hundreds of dollars on clothes and yet struggle to feed their families. Don't get your priorities mixed up.

Life Lesson #4: Don't be afraid to try things out to see what works for you

When painting bathrooms, sometimes you need to try out different types of paint first to see which one will work best with your concept. You may spend a bit more on some paint samples but seeing how they actually end up like will give you a clearer picture of what your bathroom would appear.

Life is also a series of trials-and-errors. Don't be afraid to try new things out. As the millennials say, YOLO. You only live once. It's okay to take some risks. Be a bit bolder. It's good to be cautious but being a little more adventurous can do you some good, too.

Life Lesson #5: Be flexible

Things won't always go as planned in any remodeling project. There will be some unexpected expenses along the way, even if you think you've already covered all the bases. If you want to see the result fast, you need to be flexible with your budget.

We're all too familiar about life not going well for us all the time. Our ability to be adaptable will determine how fast we progress in life.

Whatever we do in life, it's important to take a step back and see the bigger picture, so we don't miss out on the important lessons that life is teaching us. There's a lot that life wants to tell us. We just need to be more sensitive to its voice.

The Keys To Staying Active As You Age

We used to think that there was an age limit when it came to living an active lifestyle. But this is not the case; more and more, we’re beginning to understand that it’s always possible to live your best life, no matter how many times you’ve been around the sun. The thing to remember, however, is that it won’t just happen. Left to its own devices, your body will naturally begin to wind down. If you take steps to combat that, then you’ll be fit and healthy no matter how old you are! In this blog, we’ll look at some of the key ingredients that you’ll want to incorporate into your life. 

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Low Intensity Activities

There’ll come a time when you’re not quite as able to do all the physical activities that you used to do. You might like to play football, but at some point, you’ll have to concede that your body isn’t quite cut out for it. So what’s the solution? It’s definitely not deciding to stop all physical activity. It’s switching to lower intensity activities, such as swimming, in-line skating, and walking. These activities will keep you active, without putting too much pressure on your body.

Stretch It Out

Your body will begin to seize up over the years. It’s just a normal process. We’re less active; we’re sitting down more -- your body isn’t going to be as flexible as it once was. But only naturally. There are things you can do to loosen up again. And when you do, you’ll find that your body feels so much better. Yoga is amazing for this. They say, in fact, that you stay the age you were as when you first started doing yoga. So get going! If not a full yoga workout, then following along with a morning stretching routine will be a good substitute.

Useful Tools

There are advantages to living in the modern world that we’re prone to take for granted. For instance, there are many more tools available than we used to have in the past, ones that we can use to help stay active. There are devices we use to assist us in our movement, which are especially useful if we have an injury. There are support braces that’ll help if you have a knee injury or canes that’ll assist with walking. Take a look at the product selection from Ergoactives to see if there are any products that’ll help with your particular issue. If you have an injury that doesn’t seem to be healing, you’ll also want to work with an expert such as a physiotherapist. They’ll help to get you back up and active in no time.

Avoid Bad Habits

Finally, if you want to stay active as you age, then be sure to avoid the bad habits that’ll compromise your quality of life. If you drink too much alcohol, for instance, then you’ll have activity issues: it has a big impact on energy levels, especially when you’re older. So take a look at your bad habits, and work on putting them behind you. 

4 Signs Its Time To Replace Your Car

 

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Is it time to send your old motor to the great scrapheap in the sky? Sorry to say it but it might be!

While you might be tempted to hold onto it forever, perhaps because of the happy memories it has given you, or because of the expense of a new car, you might have to admit to yourself that now is the time for a replacement. 

Of course, you don't have to break the bank and buy something brand new. Used car dealerships akin to Indi Car Credit can often offer you something that won't derail your finances, so it is worth shopping around. And you might want to do so at your earliest opportunity, especially if the following signs relate to you.

Signs It's Time To Replace Your Car

#1: You have a breakdown company on speed dial

Cars are great...until they break down! They tend to break down at the most inconvenient of places too, such as in the middle of the highway or in places that are miles away from a service station. So, if your car has started breaking down with alarming regularity, then it's clearly time to consider buying something new. 

#2: Your local garage is like your second home

This is really a follow on from the last point. If your car is often in need of repair, you are going to spend more time in your local garage than you might want to. Minor repairs are natural, but if you're regularly having to book your car in for engine faults, exhaust problems, and radiator issues, these are signs that your car has long since past its prime.  Now, you could set yourself up in a corner of the garage with your own armchair and a kettle if you're never away from there, but instead of making yourself home, you might want to replace your car instead. Despite the initial expense, it will work out cheaper for you in the long-term. 

#3: Raindrops keep falling on your head

The best place for a shower is in your home and not in your car. But if your car is rusting, it might be that holes have opened up where they shouldn't. For this reason, you might be subject to a sudden shower if the heavens open up and rain starts coming through. If your car is corroding, there could be holes in the floor too, and pieces of your car could fall off when you're journeying from A to B. These are not good signs, so protect yourself and your passengers by ditching your crumbling motor.

#4: Your family won't get into the car with you

It might be that you're a less than careful driver, in which case, we wouldn't blame them for steering clear of the passenger seats. On the other hand, it might be because your car is falling apart, so they might be embarrassed to get in there with you. And if your family has grown in size, they might struggle to fit in there anyway, regardless of the state of the motor. So, consider their needs as well as your own, and if there are any practical reasons why they won't get into your car, consider replacing it soon. 

So, is it time to replace your car? It might be, especially if you have related to the signs we have listed. Consider the option then, and bless your life with something that won't derail your finances or your personal happiness. 

Take care and thanks for reading!

3 Things You Should Know About Captive Insurance

 

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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.

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.

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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.

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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.

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.

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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.