If there’s one thing that almost everyone in the developed world has in common it’s that we’re all probably carrying around a few extra pounds than we should. Whether it’s a bulging beer belly or it’s those last few ounces of body fat that won’t come off, even people who seem to be in the best shape of their lives need some help losing weight from time to time. Losing weight isn’t exactly easy though; if it was, everyone you met and saw would be sporting six-pack abs. However, there are three secrets for losing weight in an effective manner, and mastering these three will always yield excellent results.
Secret One: There Is No Secret
This may sound like a cop-out but it’s the truth: there’s no sure-fire secret for losing weight. That being said, there are ways that you can absolutely guarantee that you will indeed lose weight, but you might not like the answer: they all involve hard work. Whether it’s engaging in consistent levels of moderate exercise on a weekly basis (at least thirty minutes a day, three to five days a week) or changing your diet to a low-carb, high fiber, high protein diet), or preferably doing both, you’ll lose weight but it requires your full and total commitment and dedication in order to be successful. So in essence the secret here isn’t that there is no secret but in fact that it’s the worst-kept secret ever: only through dedication to losing weight will you actually accomplish it.
Secret Two: It Doesn’t Have to Be Difficult
Just because you need to buckle down and dedicate yourself to a full-time exercise and diet regimen doesn’t mean you’ve got to lose your mind doing it. Making healthy choices are easier than you think, especially now. Even if you spend all day working in an office setting there are ways to increase your physical activity every day; you can take the stairs instead of using the elevator or you can park your car at the end of the lot to get some more walking time in. Likewise you can make better health choices when it comes to food easily enough – while you might want that fast food hamburger, get the salad instead. You’ll see big results if you just stick with it.
Secret Three: Help Is Available
Finally, don’t feel like you have to go it alone without help. You can enlist the aid of friend, work colleagues and family members easily enough, and even if you can’t get any human help you can turn to a weight loss supplement such as green coffee extract to give you that extra boost you need. Just don’t rely completely on a weight loss product and neglect the other aspects of your weight loss plan and you’ll be fine – these products are called supplements for a reason. They work remarkably well in conjunction with diet and exercise but not so well on their own.
While wrinkles on the face get most of the headlines, there is no denying that hand wrinkles is also a very common problem that many people feel embarrassed about. Not only that, but it can be very frustrating trying to find a solution, as the vast majority of skin products out there are nothing more than scams sold by rogue traders who only want your money.
If you have been trying for years to get rid of hand wrinkles, but have had very little success, if any at all, then this article is probably one of the most important things that you will ever read. Yes that’s right…you really do need to READ THIS!
Ready to change your life and banish hand wrinkles forever? Let’s get straight to it…
You’ve no doubt heard of phytoceramide supplements, especially since they are receiving so much coverage on TV and in magazines, but does this product actually work? Sure, it might work for people who want to get rid of wrinkles and fine lines on the face, but what about the hands?
Actually, you will be pleased to hear that phytoceramide supplements are great for getting rid of hand wrinkles, and many of the reviews from real customers on Amazon will testify to that.
At the end of the day, if you buy phytoceramide supplements from Amazon then you are backed by their money back guarantee, so if you don’t notice any difference then all you need to do is get every single penny returned to your bank account or credit card, no questions asked.
Moisturize your hands
It is estimated that the average American washes their hands around 8 times a day, and while this helps to kill bacteria and keep you clean, it also has some pretty major downsides.
For example, the vast majority of soaps have the effect of drying out the skin on your hands, so they lose their natural moisture and are more prone to developing hand wrinkles.
With this in mind, if you wash your hands on a regular basis then you MUST use a quality moisturizer. Get into this simple habit and you will almost certainly start to notice a big difference within a week or two.
Did you know that premature aging of the hands could be due to your body being dehydrated on a regular basis?
For this reason, it’s essential that you drink more water every single day so you can keep hydrated, and throw away drinks such as soda that are having the opposite effect on your body due to the high sugar content.
If you’ve embarked on a weight loss project for yourself, it can be hard to stay motivated. Lucky for you there are plenty of ways that you can keep yourself on the straight and narrow path towards your weight loss goals.
Your Closest Friends Can Help
There’s nothing better than turning to your closest and best friends for help and having them respond positively. If you’ve got the type of relationship with your friends that you would do anything for them and they would go to the ends of the earth for you, turning to these people in your time of need is going to almost always pay off.
Friends have a way of coming together as a community and supporting people in ways that no one else can sometimes. Approaching your friends and telling them that you have a plan to lose weight and get fit but that you need their help to reach your goal will see them tripping over themselves to offer their aid. One friend might offer you the use of their bicycle or free weights while another will provide you a ton of healthy eating options. Others might actually join the gym with you and work together, or help you in the kitchen to cook fantastic low-calorie meals. At the very least, they will cheer you on; sometimes all it takes is just a few encouraging words to keep you centered on your goals.
Online Support Systems
If you’re looking for support systems that work well in keeping you motivated and on the right track, there are many different organizations out there that can provide this support to you. One of the biggest and most successful ones is Weight Watchers; they’ve been around for years, have helped countless women and men lose weight, and have even recently moved into the online world with internet-based memberships.
Now it can cost a few bucks to join one of these membership programs, and if you’re on a tight budget this might put a strain on your resources. However, there are ways to save here as well. In fact, WeightWatchers.com coupons aren’t nearly as hard to come across as you might think, thanks to the fact that there are affiliated websites out there that offer discount coupon codes all the time. Weight Watchers runs these promotions almost constantly year-round, which means that it doesn’t matter what time of year it is – there will be some sort of coupon code available to you to help manage the cost of membership. In this way you can keep working towards your goal to lose weight without having to worry that it’s going to cost you an arm and a leg.
No matter if you want to store your car for a couple of weeks while you go on vacation or for a few months when out of town, there are certain steps you need to take in order to ensure it stays in good condition.
Here are 7 easy steps for storing your car:
Keep it away from the weather
The weather is always unpredictable, and even if it’s the middle of summer your car could be still be exposed to harsh weather conditions. Stop this from happening with carports or something similar, as they are a cheap and easy way to protect your car.
Keep it safe from criminals
When you are going to be gone for a while there is always the possibility that criminals will start snooping around your car. The easiest way to stop them? Install an alarm on the car, as well as other safety gadgets such as an immobilizer and tracker.
Get a friend to drive it
In order to keep the car in good working order while it is stored, it’s a good idea to get a friend to drive it every week or two. This helps to keep the engine in good working order and the battery well charged. Just make sure you trust your friend.
Inflate the tires
Another step for storing your car is to fully inflate the tires before you go away. The reason? Because if you don’t, then you might find the tires are almost completely flat by the time you get back.
Give it a good clean
You no doubt want your car looking nice, so make sure you give it a clean before storing it away. This includes the interior of the car as well, as it will stop any odors building up over the next few weeks or months.
It’s also recommended that you polish and wax the car, as this gives an added layer of protection and makes it easier to clean on your return.
Avoid keeping it on car jacks
Something to be aware of is long term storage of vehicles on car jacks. This actually puts unnecessary strain on the suspension springs, which can cause problems with the functionality of your car over time.
Get it checked
If the car has been in storage for a long time then it’s always sensible to get it checked by a mechanic that you trust. They can fix any small problems and make it road worthy again.
Every year millions of people from all over the world set their sights on immigrating to Canada. Unfortunately, only a small number actually make it, with the vast majority of applications being rejected.
Perhaps you want to immigrate to Canada and are wondering how to be in the top 5% of applications? Keep reading to discover our top tips for success…
Preparation is key
You can’t just decide on immigrating to Canada one day, and then get accepted the next day. It takes time to get everything right and that is why preparation is key.
Make sure your English (or French) language skills are at a good level, as well as researching the areas you would like to live and what the job opportunities are like there.
Doing this gives you an advantage over the majority of applicants, as there is a lot of people who are totally unprepared and that is why they are rejected.
Use an immigration consultant
There are many services out there which offer services to help you through the tricky process of applying for Canadian immigration. Some of the websites you come across are definitely scams, although there are also legitimate sites that provide a valuable and useful service that helps you every step of the way.
During our own research we found many canadaaboard reviews from real people that made it clear this was the number one Canada immigration service out there.
Not only that, but you get to talk with a qualified Canadian immigration consultant who is a member of the ICCRC and knows all the ins and outs of how to be successful with your application.
Always be truthful
Know this: the Canadian government like to check everything on your immigration application, which means if you don’t tell the truth they will find out, and once this happens then you can forget about ever moving to Canada.
That is why you should always be truthful on all aspects of your application. Don’t make up qualifications, jobs, or any other details. Just tell the truth and answer everything to the best of your ability.
Lastly, it’s essential that you are prepared to be patient during the immigration process as things don’t always move as fast as you would like.
It could turn out that you are on the verge of being accepted into the country, only to be then asked for additional documentation. No matter what comes your way don’t get emotional or angry. Relax, be patient and remain confident.
As you are no doubt aware, the price of gold is high and many companies are willing to buy up your gold for top dollar. It doesn’t matter what type of gold you sell. You can have a Rolex Watch or a big box of scrap gold…everything is welcome by specialist dealers around the country.
However, don’t rush out to get Cash for gold just yet. There are certain tips you need to understand in order to make sure the transaction goes as smoothly as possibility, and that you get maximum value for your items.
Research the company
One of the most important aspects when selling gold for cash is to choose a company that you can trust. This means doing a bit of research beforehand, so you are able to separate the genuine dealers from the scammers.
The main things to look for are how many years they have been doing business and what their previous customers have to say, respectable business like cashforgoldshops.com have great reviews so they can be trusted.
What are your rights?
Another tip to keep in mind is what kind of rights you have when selling the gold. As an example, if you are sending it through the post to a dealer, then make sure you still have the right to reject any offer they make, and then if you can’t come to an agreement they will send the gold back to you at their expense.
Deal with a seller directly
Some companies that buy gold are nothing more than “middle men” who are looking to purchase your gold at a really cheap price and then sell it on higher elsewhere. While that might be a good deal for them, it isn’t a very good deal for you, as you are basically getting ripped off.
Instead, only proceed if you are dealing with a licensed gold seller and are sure you are getting a good price.
Know the gold prices
One way to make sure you don’t end up getting ripped off by these kind of middle men companies is to know the current gold prices. This means when someone offers you a price that is way below market value, you are then able to instantly reject it and look elsewhere.
Fortunately, keeping up with gold prices is very easy, thanks to a range of sites and mobile apps that give you the average market rate.
While selling gold for cash is a fairly straight forward process, it still pays to know a few extra tips to make sure you are the one who comes out ahead.
Twenty five years ago the very thought of working from home seemed laughable. Fortunately, thanks to technology such as the internet, it is now becoming very common for people to do all of their business from the kitchen table, with nothing more than a laptop, phone line, and internet connection.
Why should you work from home though? Is it really that much better than going to the office everyday? Let’s take a look…
Get up when you want
If you have to be at the office by 8am then it means setting your alarm clock for 6am. Don’t you dislike having to get up at such an early time? You should.
The good news is that when you work from home you get up when you want. Sure, you still have to work the same amount of hours, but if you want to sleep in a bit and not get out of bed until 9am then that is your choice.
Stop the commute
A national survey recently uncovered that on average, Americans spend around 57 minutes a day commuting to and from work.
Some people spend even longer going to and from work, on trains and buses that are slow and crowded. Follow this link to read a few words about commuting and why it is probably costing you money.
On the flip side, when you work from home then you can say goodbye to commuting once and for all. Your daily commute will be from the bedroom to the kitchen table, and you don’t even have to get changed. You can then put your feet up and start the day in a relaxed way, rather than being stressed from the normal kind of commute.
More time with your family
Are you really spending as much time with your family as you would like? Most people are not, but this can easily be changed once you start working from home.
Imagine being able to pick your daughter up from school every day and then take her to the park, instead of only seeing her for half an hour in the evening after you get home from work.
When you work from home then you can set your own hours and spend more time with your family. It really is as easy as that.
If the above 3 reasons are not enough to get you excited about working from home then nothing will persuade you.
However, for people that are interested, understand that it is possible, either as an employee working from home or starting a home business and being your own boss.
While most healthcare professionals are spending their time wondering about emr vs ehr and other such issues, you might think it is a better use of your time to find out how to market your practice and get people through the door.
At the end of the day, this is a business, and if you don’t have any customers then you could soon have to close the doors.
Below are some ideas that will help you market your healthcare practice.
Target the right people
Don’t assume that everybody is your target customer, because when you try to market to everyone then you typically end up appealing to no-one. Identify exactly who your marketing should be speaking to and then tailor everything towards that person.
Encourage word of mouth
One of the best ways to market your practice is through word of mouth, although it can be hard to get the ball rolling. A good way to get people telling their family and friends is to reward them with vouchers for every referral they make.
Always have excellent customer service
When your customer service is not up to scratch that word quickly gets around, especially in a small town. That’s why you should ensure all of your staff are correctly trained on how to deal with customers in a range of situations, and this should be monitored on a regular basis.
Get a website
If you don’t have a website yet then you are missing out on a lot of potential customers online. For example, your website can get ranked for search terms on sites like Google and Bing, and you can even blog about important topics in your industry.
Not only that, but opening up social media accounts on Facebook and Twitter is also a great way to market your healthcare practice to people that live in the local area.
The main reason why a lot of healthcare professionals fail to successfully market their business is because they are not consistent. They might order a few leaflet drops here and there, and even run an ad in the local newspaper for a week, but then everything stops. You need to be consistent if you want to see people coming through the door week after week.
Hire a marketing company
You can only do so much on your own, and if you find your attention being taken elsewhere then it may be a good idea to hire a marketing company to do most of the work for you. Just make sure that any company you hire have a good reputation, have plenty of experience in the sector, and are reasonably priced.
As just about anyone with kids will tell you, being a parent is one of the most difficult and challenging, but ultimately rewarding, jobs out there.
This is especially true for parents of teens, as the age range of 12 to 16 is challenging at the best of times, and downright frustrating at others. It can seem like no matter what you try, things end up getting out of hand, and they won’t listen to anything you’ve got to say.
If teens get really out of control then sending them to wilderness therapy is one option to consider, although hopefully it won’t have to come to that.
Here are 4 helpful tips for parents of teens:
Listen to them
Many teens often feel that their parents don’t really listen to what they have to say. So the next time you are getting ready for a confrontation, instead of raising your voice or going on the offensive, you might want to try diffusing the situation by listening. Once a teenager feels heard, they are more likely to comply with your request.
Reward them for good behavior
It’s easy to start going down the path where you are constantly telling off a teen and pointing out what they are doing wrong, but never recognizing things they do well or rewarding them for good behavior
This kind of imbalance will often cause a teen to start acting up more and trying to rebel against authority. With this in mind, make it a point to look for good behavior and then reward them with treats and days out.
Give them responsibility
It’s a proven fact that giving a teenager responsibility goes a long way in helping them display good behavior rather than doing things wrong. You might not have much confidence they will be able to handle it, but if you never try then you won’t find out, and in many circumstances they might surprise you.
Spend more time with them
It’s easy to get caught up in the business of your own life, only to forget that your teenage son or daughter might be looking for your attention. For this reason, it’s essential that you do more in order to spend time with each other, even if it means giving up one of your favorite pastimes or hobbies.
These 4 tips might seem small, but when applied correctly the results are typically outstanding, with a complete change of behavior from a troubled teen.
Building muscle and getting ripped is beneficial for men of any age. It doesn’t matter if you are 25 or 55, there is no reason why you can’t be pumping iron and seeing results.
Unfortunately, there is a lot of bad information out there about muscle building, which leads to both beginners and experienced guys making common mistakes that leads to them not making as much progress as they should be doing.
Here are the 4 most common mistakes to watch out for:
Not getting enough protein
As a general rule, you should be aiming for at least 1 gram of protein per 1 pound of bodyweight. This means you have to include protein such as steak, chicken, and salmon with most meals, and then snack on things like organic beef jerky and protein shakes in between meals.
Not getting enough rest
If you want to build more muscle, then it makes sense to train as much as possible…right? Wrong. In fact, training too much will be more likely to halt your progress, as well as leaving you more prone to injuries.
For a beginner, it’s recommended to have 3 full body workouts per week, and then get plenty of rest to let your muscles recover.
Not focusing correctly
It’s common to see guys at the gym chatting with their friends and checking out hot women, rather than focusing 100% on their workout. This is actually a huge mistake, because if you don’t focus then you are not getting everything you can out of the workout.
Socializing with friends and talking to women is great outside of the gym, but when you’re trying to bench press 250 pounds you need complete focus.
Not mixing things up
At some point you are going to reach a plateau with your current workout regime, and when this happens it’s essential that you start to mix things up in order to see further gains.
However, a lot of guys don’t do this, and instead are content to keep pushing through the same workouts, even when the results are minimal.
For example, if you’ve been doing 3 full body workouts a week, you might to try doing split workouts (chest and shoulders on Monday, legs on Tuesday etc), so you are able to go harder and target more muscles in each area.
The above 4 mistakes might seem innocent enough, but when done a consistent basis they will hamper your results, which ultimately means you are wasting a lot of your time.
It’s easy to lose control of your monthly spending, up to the point where your finances spiral completely out of control. In no time at all you can find yourself in debt and struggling to keep up with repayments, and if things keep on going that way you might even have to face bankruptcy.
This could all be avoided if you just get your finances in order. Luckily, it’s simple not complicated, as the following tips will show you. Let’s get straight into it…
Spend less than you earn
It sounds like basic common sense, but yet, every year millions of Americans make the huge mistake of over committing themselves financially If you want to get your finances in order then you must spend less than you earn. Simple as that.
Create a budget
Do you find yourself spending money without even thinking about it, or on products you don’t need? This is why you should create a budget, so you know exactly where your money is going every month, and you only buy things that are essential.
Pay back credit cards
According to CreditCard.info 75% of credit card users in the USA do not pay off their credit card debt each and every month.
Even more concerning, it seems that a lot of people are missing their minimum payments completely, which ends up giving them even more debt. The rule to follow is that if you can’t pay back your credit cards on time, then do not have a credit card.
Save some money
The simple way to make sure your finances are always in good order is to save a certain percentage of your income every single month.
This gives you a solid foundation, and ensures you don’t need to apply for loans or credit cards if a financial emergency comes around. Typically, around 10% of your income is a good starting point for saving.
Invest some money
Once you have some spare cash then investing is a great way to build a financially secure future for you and your family.
Of course, you should invest money into a retirement plan, but also consider things like stocks and shares, precious metals, and bonds. It’s all about making your money work for you rather than the other way round.
The final word
All of the tips above are simple and easy to implement, and if you follow them correctly you will get your finances in order.
Netflix has become a sensation around the world, with millions of people now paying a monthly subscription to be a member. The benefits are clear…you get access to hundreds of top quality movies and TV shows for a very small monthly fee, and best of all, they offer you a free trial month if you’ve never been a subscriber before.
If you have just become a new subscriber, or you are an experienced Netflix member, the following 5 tips will help you to get the most out of the service.
Research movies online
When you find a movie on Netflix but want to get more information about it before watching, you should go to a website like Movie.info to see reviews and general information. This will give you a better idea of whether or not a particular movie is worth your time.
Watch on your TV
The main way to enjoy Netflix is on your TV, although finding movies you want to watch with the remote control can be a bit tricky.
With this in mind, it’s a good idea to browse movies on the Netflix website and then add the ones you want to watch to your favorites list. You can then go straight to the your favorites when you access Netflix through the TV.
Watch on the move
You don’t have to be at home to enjoy everything that Netflix has to offer, as you can easily access everything from your tablet or smartphone.
All you need is an internet connection and you are good to start watching movies and TV shows just about anywhere, even on the bus or while waiting for your friends.
Watch on multiple devices
One of the great things about having a Netflix subscription is that you can watch on multiple devices all at the same time.
For example, if you want to watch a movie in the front room while your wife watches another movie in the conservatory, and then your kids want to watch their favorite cartoons upstairs, this can all be done easily.
If you’re concerned about your kids watching movies that are not suitable for their age, you’ll be pleased to hear you can easily put a parental control on their account so they are only able to watch movies and shows rated PG or U.
This gives you added peace of mind, and means you don’t have to be constantly supervising what they are watching.
We all need to do our bit to help the environment, and if you’re worried about your swimming pool using up too many resources then this article will help to put your mind at rest, as long as you follow the tips below.
Solar pool heater
Once the summer is over but you still want to enjoy a swim now and again, then heating the pool is your only option. Unfortunately, this does take up a lot of unnecessary energy, which is why a solar pool heater is a much better idea. Yes they do cost a lot, but over time you will be saving money on your energy bills.
Variable speed pool pumps
It was in Orange County, California, that variable speed pool pumps started to take off in a big way, and since that time pool remodeling Costa Mesa services have been very busy installing them in thousands of pools.
In a nutshell, a variable speed pool pump is the eco-friendly version of the single speed pool pump, as it only uses just enough energy for the task at hand.
Cover your pool
When you don’t plan to use your swimming pool for a few days or weeks, it’s always a good idea to keep it covered. The reason? Because it helps to be more friendly to the environment, as you’re able to reduce water evaporation as well as cut down on the need for using many chemicals in the water.
Not only that, but it also stops debris getting into the pool, so you don’t end up having to use the automatic pool cleaner every day.
LED and solar lights
Nothing looks better than a swimming pool fully lit up at night, but that kind of lighting typically uses a lot of energy. For this reason, you might want to look into more eco-friendly options such as LED and solar lights. They are slightly more expensive than traditional lighting, but as with a solar panel pool heater, you can expect to save money over time making it a great investment.
A lot of energy is wasted when things such as water features and filters are left on longer than they need to be. Luckily, it doesn’t have to be this way, as many tasks can now be fully automated to save you time, money, and to help you do your bit for the environment.
Speak with a swimming pool professional to find out how you can bring automation to your pool.
Only around 17% of Americans are in a position to buy a car outright, which means the other 83% have to get some kind of car finance. This can be tricky, mainly because many lenders are being more cautious than ever before after the financial crash of a few years ago.
In order to get the car you really want, you should know how to get the best deals on car finance. Keep reading to find out how…
Compare different loans
The good thing about looking for finance in the digital age is that you have more choice than ever before. There are now thousands of loan companies on the internet, with everything from unsecured personal loans to dedicated car finance deals where you secure the car against the loan.
It’s highly recommended that you spend time comparing these different loans and working out what is best for your own unique situation.
What if you have bad credit?
When you credit rating is low and most lenders ignore you rather than offer you a loan, then you might be wondering what to do next?
Fortunately, there is hope, as you’ll be able to find many lenders online who specialize in bad credit car loans no matter what your situation. Sure, you might have to pay slightly over the odds in interest rates, but at the end of the day you will get your loan and be able to afford the car you want.
Consider future expenses
When looking for car finance, it is very easy to forget about other expenses that come with owning a car.
For example, let’s say that you live in Orange County California and you are looking to get financed so you can buy a Porsche. You will need to take it once or twice a year to the Porsche service Orange County company to keep it in good running order, as well as pay for other expenses such as insurance, fuel and tax.
This means you might want to consider borrowing slightly more in order to comfortably meet these expenses.
Avoid financing from the dealership
Years ago, dealership financing was often the best way to go, but this is very rarely the case these days. A lot of the loans you get from dealerships have many different terms and conditions built into them, which ultimately leaves you struggling to keep up with the repayments.
Not only that, but the interest rates are very high, so you end up paying more than if you got the loan elsewhere. It’s usually a much better idea to have a loan in place before you start looking to buy a car, rather than the other way round.
The safety of all staff in your factory should be of a constant high importance, with regular training and meetings to make sure everyone knows exactly what has to be done.
It’s when safety is not a big issue and procedures get forgotten about…that’s when accidents happen. With this in mind, here are some quick tips on what everybody should know and understand about factory safety.
There needs to be strict guidelines on how machinery is operated, which staff must follow at all times. Failure to do so must result in discipline, and even dismissal for repeat offenders. At the end of the day, it only takes one mistake to cause a serious accident, so make sure everybody is aware of this.
Always ensure that special equipment is only handled by people who’ve had the correct training. For example, a Guardian exhaust gas scrubber is not something that anyone can just start messing around with, as it takes specialized knowledge to operate and fix it. Anyone that doesn’t have this knowledge is putting themselves and everybody else in the factory at risk.
In order to keep the factory as safe as possible, having clear signs all around the building (both inside and outside) is necessary. These signs should inform staff of any warnings such as faulty equipment or spillages, as well as reminders to do things such as wearing safety equipment or operating the machinery in the proper way. Remember, people easily forget to do even the most basic of tasks, so reminding them with signs is essential.
Disposing of waste
Another factor that helps to keep the factory safe is disposing of waste in a timely manner, with all staff following the correct procedures so they won’t be put in harms way. One good example is when getting rid of chemical waste, as protective clothing should be worn at all times and the waste must be put in an appropriate container ready to be taken away.
It can be tempting to avoid keeping your equipment well maintained, especially if they are not showing any signs of breaking down. Let’s face it, taking this approach does save money, although it also puts your staff at risk if something suddenly goes wrong. That’s why you must always make equipment maintenance high on your list of priorities, by keeping everything regularly serviced and in good working order.
Recent statistics suggest that around 47% of people in America get themselves into debt over the Christmas holidays. Let’s face it, with so many things to buy it can seem like the only option is to start spending on your credit cards or applying for a loan, but in reality you don’t have to do it.
Keen to find out more? Keep reading to discover how you can avoid debt at Christmas…
Set a budget
Before you do anything else at Christmas make sure you set a budget that is well within your means. To do this, create a list of all the things you need to buy such as food, gifts, decorations, alcohol, and then immediately get rid of anything that is not necessary.
Once you’ve done that, decide how much you are willing to pay for each item that is left on your list and then stick to it.
Don’t “buy now and pay later”
One of the tricks that stores use to get you into debt at Christmas is with “buy now and pay later” offers.
Sure, it might seem tempting to buy that LCD TV or Playstation and not have to pay anything for 6 months, but in the end you are just creating more debt for yourself. Only buy what you can afford to pay for right away with your own money.
Forget about payday loans
A popular way to get some cash over Christmas is with the now famous payday loan, and although borrowing only a couple of hundred dollars might not seem like a big commitment, these have a habit of quickly spiraling out of control.
It’s not unusual for someone to take a payday loan, have trouble paying it back on time, and then have many fees added on to the principal. In no time at all $200 can turn into $1000, and you end up spending the next 12 months trying to keep the debt collectors at bay.
Turn down credit card offers
Stores will do anything to get you to shop with them. They’ll offer Christmas bags and special wrapping on anything you buy, they significantly discount certain items to get you in the store, and they will even offer you an attractive credit card at 0% interest that you can start using straight away.
While 0% interest does seem like a good offer, in a few months the interest rate will become very high, but by this time you already have a few hundred dollars worth of debt that you can’t afford to pay back. Do yourself a favor and avoid credit cards altogether.
No matter if you want to try out a country before you make a permanent move or you just like the idea of having a second home somewhere else in the world, renting a property abroad is a good idea all round.
One of the main advantages of going down this route is that property can be extremely cheap to rent in certain parts of the globe. For example, if you want to rent in Singapore then it’s entirely possible to find an apartment right in the center of the city, for a fraction of the price you would pay in London or New York.
Luckily, our experts are on hand to give you their tips for renting a property abroad. Over to the experts…
Start at home
The great thing about searching for properties abroad is that you can begin your search at home. Most real estate agents have a website where they update their listings daily, which gives you the chance to view all of the latest rentals that become available.
Not only can you get a general idea of what kind of properties are on offer in a certain city, but it’s also a chance to get a feel for what kind of prices are being charged by landlords for renting.
Don’t send money
When searching for rental properties abroad online you might come across an apartment or house that is perfect for your needs. However, don’t be tempted to send a deposit or any kind of money to a real estate agent or landlord without checking out the property first. There are just way too many things that could be wrong with the property, and without actually going there and seeing everything for yourself, you won’t know about them.
Ultimately, you should use online searching as a research tool, but only part with cash once you’ve arrived in the country and visited different properties.
Understand the lease
Once you’re ready to rent a property abroad then you will have to sign a lease. This is a legally binding document, which means it’s essential that you fully understand everything it contains.
Do you know how much notice you are required to give before moving out? What happens if repairs need doing? Does the landlord have the power to evict you if you break any of the rules? These are all questions you should know the answer to. If you want help to understand the lease then hire a translator to make everything perfectly clear.
There is no doubt that investing in real estate is a way to get rich, but this is only possible if you avoid making mistakes and do things in the right way.
Unfortunately, most people make all of the wrong choices, and end up losing money instead of making it, which leads them to quitting the business and going back to their old life., never to talk about real estate investing again.
Do you want this to happen to you? Or do you want to be part of the 5% that makes it? You can only be successful when you avoid these 5 real estate investing mistakes.
Not listening to experts
If you think you know it all when it comes to buying and selling properties then you’ll soon meet with failure. That’s why you should listen to experts such as Than Merrill and learn the tricks of the trade that will help you to become a property tycoon.
Not having a plan
It’s common knowledge that without a plan then you are probably going to fail, but yet, most beginning real estate investors completely ignore this advice and have no plan at all. It’s madness! If you want to avoid losing all of your money then it’s essential that you have a detailed plan and strategy.
Always remember that real estate investing is a business, and if the numbers don’t work or the deal isn’t right then you should walk away. A lot of people ignore this advice though, and make the mistake of becoming attached to a property, to the point where they end of overpaying or not seeing the obvious flaws.
Try to detach yourself from the situation as much as possible, and only move forward when you have rid yourself of emotion.
Not building a team
While real estate investing is often a solo venture, that doesn’t mean you don’t require the help of others to succeed. For example, you need a contractor who can carry out repairs professionally and quickly, and a real estate agent who lets you know of properties before they go on the market to the general public.
You will also need people such as accountants, lawyers, and lenders, so make sure you work hard at building a good team.
Not studying the market
Without a doubt, one of the biggest mistakes beginner real estate investors make is not studying the market in their local area. This leads to situations like buying a property in the wrong part of town, or purchasing a house at the top end of the market, only to then watch the value start to fall over the coming weeks and months.
Would you believe that Americans spent nearly 40 billion dollars on boats last year? This certainly shows that it’s not just millionaires who are taking to the water to have a good time. You can have an average salary of under $100,000 a year and still be a proud a boat owner.
Perhaps you are thinking about buying a boat but don’t know where to start? If this is the case then you’re in luck, as the factors below will guide you in the right direction. Let’s get straight to it…
What is the boat for?
Before you even start looking at boats you must know what you want it for? For example, you might want a boat to go out fishing at the weekends. Once you get a clear picture in your mind then you are ready to start shopping.
What is your budget?
It’s possible to find really cheap boats as long as you are willing to give up on your dream of a huge yacht. However, don’t make the mistake of NOT setting a budget before you go shopping, as this could easily lead to overspending and putting yourself in financial trouble. Only spend what you can afford.
Don’t forget about accessories
You must also factor accessories into your budget when buying a boat. For example, things such as trailers for transportation and navigational equipment don’t come cheap, so make sure you shop around to get the best prices.
Where will you store the boat?
Obviously, if you have a trailer then you can take the boat home and store it there in your garage, but what of you don’t have any space at home? In this type of scenario finding somewhere else to store your boat before buying it is essential, such as in a marina or storage unit.
Do you really have the time?
Don’t be one of those people who buy a boat and then never go out on it. Consider if you really have the time to enjoy it, as sometimes, work and family commitments mean that it could end up spending most of the time stored away.
In situations where you might only end up using it a couple of times a year then it will probably be cheaper to rent a boat instead of buying one.
Prepare to shop around for the best price
Purchasing a boat is just like buying anything else…you have to shop around for the best price. This means visiting boat shops in your local area, as well browsing various boat retailers online.
Once you get your law degree online then it becomes time to start searching for a job. For many recent graduates, a large law firm is the most likely destination, as they are constantly hiring and always looking for candidates who are eager to work hard and gain experience.
So is working in a large law firm the right choice for you? Keep reading to find out more…
You will be paid well
The good thing about being employed by a large law firm is the pay is typically very generous, even if you have no experience. This is because they only want to hire the best, and are prepared to pay more than other legal companies to secure the finest talent.
If you want work that is challenging and rewarding then a large law firm is definitely a good choice. You will be part of a team that works on high end cases that might even be featured in the media. All of this looks great on your CV, and ensures your career will go from strength to strength.
What is the main difference between a large law firm and a small law firm? One word…resources.
For example, working at a large firm gives you access to resources such as an extensive library of law books and all the equipment you require to do the job in the right way. Not only that, but also expect to get access to private gyms, a great cafeteria, and perks such as sports tickets and company cars.
Have you always dreamed about working in the center of New York, London, or Hong Kong? If this is the case, then you’ll loving working for a large law firm, mainly due to the fact they are positioned in prime locations that most other companies desire to be in.
As you are no doubt aware, your training doesn’t stop when you graduate from law school, as being involved in the legal profession requires extensive training for many years. Luckily, that is exactly what you will receive at a large firm, where all employees are given the best opportunities to help them succeed.
Advance your career
When working for small law firms, if you want to advance your career then it will usually mean moving to another firm, and even another town or city. However, at a large firm you are able to advance your career right to the top while staying with that one company, meaning you are not constantly moving around every few years.
So it’s not long now until the big day arrives, and you are no doubt starting to get more apprehensive about how everything will turn out. Let’s face it, there are so many things that need to be planned in the lead up to a wedding that it’s easy to have a few things slip your mind.
Ultimately, the main goal is to make sure all of your guests are happy and have a great day, and in order to achieve this you should pay attention to the following 4 wedding tricks.
Have enough space
There is nothing worse than having a wedding reception in a small building or area that doesn’t have enough space for your guests.
Generally speaking, around 25 square feet per guest is the sweet spot, so make sure you know exactly how many guests are coming and then plan accordingly. If you can’t find somewhere big enough, then it might be a good idea to reduce the guest list and make it a smaller wedding.
It can be a nice little touch to give your guests some gifts to take home as a way of saying thanks for attending your wedding. This could include luxury chocolates, pictures, wine, and all manner of products that will put a smile on their face.
In order to find the best products and services when planning your wedding, it’s a good idea to ask for recommendations.
For example, once you hire a photographer then you can ask them if they know of a good florist, and then the florist might know of a good company that installs dancefloors…and so on and so on.
It is typically a lot better to get recommendations from people who deal with weddings all the time, rather than trying to pick companies randomly out of the phone book.
Keep it simple
Your wedding day should be extra special, but that doesn’t mean it has to be ultra complicated. It’s all too easy to start planning a huge event with thousands of different things going off, when in the end most of that stuff doesn’t even matter.
Try and keep everything as simple as possible, and make the day more about just spending time with family and friends in a relaxed atmosphere.
Here are some of the reasons you might want to consider buying a TV costume.
For a party
Perhaps you’ve been invited to a fancy dress party but you have got no idea what to wear? In this type of scenario a TV costume is the perfect fit, mainly because they are instantly recognizable and will make you the center of attention.
For your kids
Luckily, many of the TV costumes on sale are available in kids sizes, so if your son or daughter wants to dress as their favorite character from the television then you can make it happen for them. It doesn’t matter if your son wants to dress as a superhero or your daughter wants to be a cartoon character, everything is available to buy right now.
For a laugh
How about getting together with a few of your friends and all dressing up in TV costumes? It’s sure to be a right laugh, and gives you the perfect opportunity to take some pictures and start sharing them on social media sites. You could even hit the bars and clubs in your local city and have fun into the early hours of the morning.
For a gift
Not sure what to buy a friend or family member for their Birthday? If you want to go down the unconventional route then a TV costume is the perfect gift. Simply make a note of their favorite TV program and then browse one of the many TV costume sites online to find the right character.
For your collection
It’s not uncommon for people to collect memorabilia from their favorite TV shows. Items such as cups and t-shirts have always been popular choices, but it now seems that actual costumes from the show are an essential buy. For example, you might be a Star Trek fan who wants to add something unique to their collection. If this is the case, then a Captain Kirk costume should be right at the top of your list.
You can have all of the qualifications and experience in the world, but if you make any of the job interview mistakes below then you’ll find it hard to hear the words “you’re hired.”
The worst mistake anyone can make at a job interview is to turn up late. Think about it, what does this say about your time keeping skills? The hiring team are simply going to assume that you are always late and would turn up late if you got the job. In other words, you won’t be going any further in the interview process.
Dressing too casual
While you don’t have to dress in a suit and tie anymore, you still need to dress reasonably smart if you want to be considered for a job. Don’t make the mistake of dressing too casual and assuming that an ugly Christmas sweater from http://www.uglychristmassweater.com/buy/buy-ugly-christmas-sweaters/ will be fine to wear for your job interview. It won’t. Keep those kind of sweaters for Christmas parties and gifts for your family and friends.
Not doing your research
Imagine getting into the interview and then being asked what you know about the company…could you say anything at all? Many people make the huge mistake of not doing any research about the company who they are applying for a job with, and then they end up looking stupid when they are lost for words. It only takes a quick Google search and 5 minutes of your time to find out some basic facts about the company you could potentially be working for.
Not asking questions
A job interview is not supposed to be a 1sided affair with the interviewer asking all of the questions. At the end of the day, you are also there to see if they are the right company for you and your career, so make sure you have some questions to ask of your own. As a general rule of thumb, you should prepare at least 10 questions before the interview, and then try and ask as many as possible during the interview.
Leaving your mobile phone on
Imagine this: you’ve got through the first few minutes of your job interview and everything is going great. You’re answering questions with ease, you feel relaxed, and the interviewer seems to like you. Then it happens. Your mobile phone goes off and the momentum is lost. Worse yet, some people are so attached to their phone that they actually stop to answer it right there in a job interview. Do yourself a favor and turn it off before you enter the building.
Buying low and selling high is not a new concept, but in the world of real estate this is a very hot way to make money right now. It goes by the name of house flipping, and just about anybody with a bit of cash and an ounce of ambition can get started in this exciting world.
Do it right and you could make millions. The sky really is the limit as there is so much opportunity out there. Keen to get started? We show you how in 4 easy steps…
Locating a suitable house
The first step for success in house flipping is to locate suitable properties. Without a doubt, this is the hard part, but it’s not impossible as long as you are prepared to put in the effort.
One way to place ads in your local paper stating that you buy houses for cash, or even visit foreclosure auctions so you can find properties being sold on the cheap.
Once you’ve located a house then you have to go in quick and make the deal. Properties that are being sold on the cheap don’t last forever, and if you don’t act fast then someone else will take your place.
For this reason, it’s essential that you can get the money with the least amount of hassle possible. If you’ve got some cash stashed under your rug then great…although for most people they might have to take out a loan to get their foot on the property ladder.
This can be a bit risky, especially if you have to secure your current house against the property you are buying, but at the end of the day, it’s a risk worth taking for most people.
Spruce it up
Once you’ve located a suitable house, got some cash, and then purchased it…the next step is to spruce the property up a bit in order to add value and make it easier to sell.
You don’t have to spend a fortune here, just simply do the basics such as a bit of painting, tidying up the garden and replacing a few tiles on the roof. You could do this yourself, or if you’ve got a bit of cash left over then hire a handy person to do it for you.
Flip for profit
Now the house is ready to be sold, and if you purchased it at the right price then you should be able to flip it for a nice profit.
There are many ways to list a house for sale. You could go through a real estate agent, list it yourself online, or even take it to auction. Good luck!
The time of minimalist kitchens has come to an end, as consumers now demand the ability to perform multiple tasks at the push of a button.
Because of this demand, the small appliance industry is now booming, and experts are saying it is only going to become stronger in the coming years.
Here are 6 small appliance you should have in your kitchen:
Millions of kitchens now have coffee makers so the average American can enjoy their favorite drink without having to leave the house. The best coffee maker models are now cheap and have a range of exciting features, making them a great purchase for yourself or as a gift.
America is currently in the middle of a fitness boom, and to help people live more healthy lifestyles smoothie makers have become a huge selling product. These machines allow you to whip up a healthy drink in minutes, so you don’t have to miss breakfast or snack on chocolate in between meals.
Years ago slow cookers used to be in just about every kitchen across the country and then they went out of fashion. Well, it seems they are back in vogue once again, as consumers are now realizing just how helpful these little machines can be.
For example, you can put some meat in the slow cooker before going to work, and then by the time you get home it will be perfectly cooked and ready to eat. Forget about fast food, slow cookers get the job done.
Ice cream makers
During those hot summer months what is more refreshing and enjoyable than an ice cream? Even better, how about ice cream that you made yourself? This is why ice cream makers are one small appliance that everybody should have in their kitchen, especially when you want to experiment with new flavors and ideas.
Straight from the vineyards of France, Spain, and Italy, wine is now big business in the USA, and to cater for this demand wine coolers are being purchased by consumers who want a dedicated place to put their favorite drinks. This goes further than just keeping wine cold though, as more advanced wine coolers give you the ability to chill multiple bottles at different temperatures.
When you want grilled chicken or a cheese toastie, a portable grill definitely comes in handy. Perhaps the most famous brand in this area is the range of models offered by boxing legend George Foreman, who has sold millions of grills over the last 15 years.
Unless your child is naturally gifted with numbers then there is a high chance he or she will need some math help to give them the best chance possible of higher grades.
Fortunately, there are plenty of math tutors out there, and for between $20 and $40 an hour, you can hire someone who will give them a better understanding of the subject and improve their grades at school.
Below are the main reasons your child needs math help:
They recently failed a test
If your child failed a math test recently or got a very low score, then it’s probably time to call in outside help. It could just be that their confidence is low or they need a certain topic explaining more clearly, which is much easier to do in a 1-on-1 setting rather than in a crowded classroom.
Make no mistake about it, once you get the right tutor in then you can expect to see a massive difference in the next test.
They’ve always struggled with math
Perhaps your child has always struggled with math and no matter how hard they work it doesn’t seem to make a difference? Before giving up completely, try hiring a tutor who may be able to attack the problem from a different angle.
The main reason why most students fail at math is because they find it boring, which means making it more exciting and fun could change the situation completely.
Math is important right now
For juniors and seniors in high school math is a very important subject, especially around the time of important assessments such as the SAT and ACT tests.
With this in mind, it’s essential that your child gets math help as quickly as possible in order to bump up their scores, because if they don’t perform very well then it could affect their educational future.
If you’ve just moved to a different area and your child has changed schools then bringing in a math tutor can help them catch up on any work they have missed.
Even missing a few weeks of school means they significantly fall behind, and then spend the next few months playing catchup with all of the other students.
There is no denying that math is one of the hardest subjects in school, but it’s also one of the most important. This is why you should pay careful attention to the situation, and then take immediate action if you think your child child would benefit from a math tutor.
For people that want to get in shape, hiring a personal trainer is one option on the table. Of course, you could always just go it alone and come up with your own exercise plans and then motivate yourself day after day to go through a grueling 1 hour workout regime, but this isn’t suitable for everybody.
If you’re still on the fence about which route to take then read our 4 reasons to hire a personal trainer below before coming to your final decision
You have no clue where to start
Let’s face it, there are so many workout and exercise plans out there it can be extremely confusing about where to start. Should you do high intensity cardio sessions in order to get a fit as possible, or would lifting weights followed by half an hour on the exercise bike be more suitable for your needs?
If you’re feeling clueless right now then a professional personal trainer can point you in the right direction.
You get bored easily
Exercising on daily basis is not always the most exciting thing to do with your time. Sure, you’ll probably be fired up and ready to go for the first week or two, but once the boredom starts to set in then it’s all too easy to throw in the towel and quit.
Fortunately, personal trainers know exactly how to stop the boredom factor coming into to play, so your workout routines are fun and fresh, and most importantly, they help you to reach your fitness goals in the shortest amount of time possible.
You’re training for a specific sport
All exercise programs are not created equal, which means if you’re training for a specific sport then you will need something that is tailored to those particular demands.
For example, a tennis player has different requirements to a golf player, or a sprinter requires different training when compared to a marathon runner. In order to get the best results, it’s a good idea to find a personal trainer that specializes in a certain sport or area.
You want the convenience of working out at home
Perhaps you don’t want to go down the gym, and instead, prefer to work out at home in your own gym? This is no problem for the vast majority of personal trainers, as they are more than prepared to make house visits so you can get yourself into shape.
They might even be able to bring special equipment to help take your workouts to the next level, giving you an edge on people that don’t hire a personal trainer.
As you’re no doubt aware, getting a high risk merchant account in the consumer lending industry has become a lot harder over the last couple of years. This is due mainly to operation choke point, which quickly became the main obstacle for lenders offering payday loans, installment loans, title loans, and a a wide range of other financial services.
So what exactly is operation choke point?
Well, it was launched by the Justice Department only 2 years ago with the goal of tackling consumer fraud.
Of course, this is a real issue that needs a solution, but unfortunately it seems the main aim of operation choke point was not to tackle consumer fraud at all, but instead, to use it as a vehicle for the Justice Department and other government agencies to convince banks to stop doing business with industries that are considered high risk, with the consumer lending industry being right at the top of that list.
Many critics say that operation choke point was designed with one end in mind…to get rid of industries and businesses that government officials don’t like, such as payday loan lenders.
However, what these officials don’t seem to understand is that consumer lenders offer a valuable service to millions of people around the country, while at the same time contributing a substantial amount of money to the economy, especially in time of financial distress when many other industries are struggling and looking to be bailed out by the government.
It’s a shame these government bureaucrats don’t understand the simple point that driving consumer lenders out of business will not solve issues such as debt or bankruptcy, and in fact, would only make matters worse, due to the fact that lack of options for consumers means they could not borrow any money at all.
Fortunately, it seems that operation choke point is losing its grip on the consumer lending industry, and lenders are starting to get approved for high risk merchant accounts and ACH processing once again.
What is the reason for this sudden turnaround? In a nutshell, the House has already passed a measure that will put a stop to the Justice Department using any funds to carry out their operation choke point plan, and it’s hoped the Senate soon follows suit.
Put simply, if you are a consumer lender who is considered high risk, but you want to process Visa, Mastercard, Discover, and other credit and debit cards, then right now is the perfect time to send in your application. Contact Prineta today to see how they can help you set up a high risk merchant account.