Blog Blog Copyright by en Sat, 19 Oct 2019 10:50:17 -0400 Ways You Can Land Up With A Job On Instagram And Establish A Proven Career As per the report and survey from, by the end of 2018, there is going to be 100 million Instagram US base users. From some of the real people like you to some of the brands and companies, everyone will be part of this session. There are various big companies like AT&T, who are actually turning to this social media for promoting their cultures and even their open jobs. Now, the main question is whether people actually are using it or not. Are they actually using it to get any job done? With Instagram by your side, you can always respond with one resounding yes to the question.  With more than 800 million active users and the numbers are counting, IG users will always prove their love towards this platform.

Lucky enough for you:

Fortunately, most of the job searchers are not actually using Instagram for finding a job. This is probably good news. There are so many recruiters and companies out there that might want to hire you for your skills. Recently, a post at Classy Career Girl stated that they hired an intern known to be quite interactive with them on social media, mainly Instagram. She is well-aware of her stuff so the company offered her internship for a year after checking how much she has interacted with the company, shared their articles and mission with her followers as well. So, it can be pretty much stated that people are getting hired on IG and on a daily basis, surely.

Steps to get yourself a job:

Is this your very first attempt in getting a job through Instagram? If so, then you are not quite sure of the options you have to follow for the same. Therefore, you can try out some of the best steps from Gramblast to get yourself a job on Instagram. These points are already proven to be the best in this lot and you can try it out on your own to believe its values more.

Have to start by creating a professional Instagram account first:

First of all, there is no other way but to create an account first. In case, you already have an account and you have some photos, which are not that suitable for the employers or the recruiters to see, it is always recommended that you create a second account under your name. In this way, you do not have to worry about any of your embarrassing photos and can keep your profile professional and classy as you have asked for it. It is quite easy to have two separate accounts because of the recent changes IG made. You need to click on settings and check on “add account” option. You can quickly go between professional and personal account while posting content.

  • There are some other ideas for you to consider. The first option is first name last name. If this is not available anymore, you can always do first name_last name.
  • For the second option, you can go for the basic of “your profession and name.”
  • The third option is also rather simple for you to follow. That is going to be your brand name, which is the classic and basic of them all.

Work your way out for creating professional bio:

For the next step, you have to create short and compelling bio about who you actually are and the type of work you plan to do. In case, you have any professional account and also searching for job, it is always recommended that you have to add that you are in the lookout for a job. A proper and good promising tip over here is to use the LinkedIn summary for the one on IG as well. The best part is that the bio link can be directly added to the LinkedIn page or even on the blog or online profile, in case you have one.

Make sure to create content to be shared:

It is in this regard where you have to set yourself apart and really start using Instagram for getting a job. If you want, you can always create your IG resume. You have to be sure that the top 6 photos are always related to your career because the people of your companies will be checking out profiles if you are planning to interact them on the IG platform. There are some ideas of pictures, which you can try to post on your IG account.

  • You can try adding some of the motivational quotes or texts. You can even place some advices that you have about your current industry in the quote images. You can further check out Wordswag application for easy way of performing this option.
  • You can place some videos of just demonstrating the items right on your resume. You can even add videos of some other people saying how amazing you are as a person to work with.
  • You can share photos of you working, photos of the firms you have already worked with and photos of you at events and conferences. It will add that sense of professionalism to your profile and you can work out on that. You can add photos of you accomplishing goals and even dreams in personal life like running marathon and more.

These are some of the kinds of photos to be used in your account and things will turn to work out pretty well for you. In no time, you can grow your business to a completely new level.

Follow some targeted companies and expand network:

Mist list of all the companies where you are planning to apply for or companies you hope to work in future. Then you need to follow them. You can easily Google the name of the company with Instagram. The firm’s IG page will be the first result. Or you can just use the search box in the IG app for the company’s page.

Following these points will surely help you to land a job on IG. So, establishing a positive career is not a big deal anymore!

Uncategorized Editor Wed, 19 Dec 2018 08:56:50 -0500
Christmas decorations on a budget It’s that time of year to deck the halls with boughs of holly and get everyone amped up with some Christmas spirit! As much as decorating your house for Christmas makes for one of the most exciting parts of the festive season, controlling your decoration budget can be tricky especially when wanting to splurge the place with glow and glamour without having to reuse old, dingy decorations.

These Christmas decoration tips will give you the best chances of working within your budget this festive season!

1. A pre-lit Christmas Tree

It is a widely known fact that the heart of every Christmas celebration surrounds the Christmas tree. Instead of fussing overly about the Christmas tree and buying specific ornaments for it, consider getting yourself a pre-list Christmas tree to take away the hassle of cost and pressure.

Target offers great deals on pre-lit Christmas trees that can be as cheap as $5!

2. Purchasing ornaments in bulk

Some of us feel that a Christmas tree isn’t complete without some ornaments and baubles on it. Unfortunately, these individual decorations can add up in cost when purchasing them separately. Reduce the cost significantly by purchasing them in bulk such as in a pack of 20 smaller ones which will end up costing less.

3. Know where to buy your lights

Avoid being the Grinch of your street and dress your home with Christmas lights to truly give it the Christmas vibe.

With great light comes great price… unless you know where to buy your lights! A quick shop at Catch or MyDeal could save you heaps without breaking the bank on your Christmas decorations this year! If you’re lucky, you could even snag 50% off deals with a ton of cheap options!

4. Table Dressing

No, we don’t mean sauce! A great way to spice up your dining area is to throw on a Christmas table setting such as some wonderfully in theme napkins and a centrepiece to act as the icing on the (fruit)cake!

5. Grab Yourself a Santa Sign

Instead of waiting up all night for Santa to come by, why not bring in the big man himself by grabbing a Santa sign dedicated to him? You can grab yourself a great deal if you know where to look at, think Target, MyDeal and Catch.

6. May the Wreath be with you!

Naturally, wreaths make a great start to your Christmas decoration hunt especially considering how all the traditional Christmas movies never fail in displaying one. The downside to the popularity means wreaths are also often some of the most overpriced decorations you could land yourself on Christmas.

To counter falling for expensive ones, give yourself ample time to shop around online and in places like Kmart or Target.

7. Cheap personalised stockings

If you’re feeling artsy craftsy, you could get yourself some cheap plain Christmas stockings for around $5. If you’re not too big on the DIY and would rather have Christmas season be more “done for you”, you could still snag yourself some Christmas stockings for under $15.

Not only do these look sweet hung up by the fireplace (or simply a wall if you don’t have one), it’ll also keep everyone from fighting over who gets what for Christmas this year.

Hopefully, these 10 Christmas decorations tips on a budget will help you out this wonderful season. Oh, and before you forget, don’t miss out on the opportunity to play a part in your Christmas decorations! After all, Christmas comes with the charm of people, and nothing beats amazing Christmas vibes than a decorated you!

There are plenty of options for Christmas costumes that are well within a good budget to make yourself look more festive this season. It’s always fun to explore different options for bringing Christmas to life this year!

Article provided by Blossom Costumes

Uncategorized Editor Mon, 03 Dec 2018 02:12:14 -0500
Have You Tried These 4 Ways of Making Money on Instagram Yet? There are several ways to make money on Instagram like buying ads, shout outs, and a host of others in between with varying degrees of difficulty as you go from one to the next.

Instagram is no doubt a major marketing channel where social and commerce meet. What started as a photo/video sharing platform is now in the big picture boasting over 800million monthly active users and counting, according to recent reports.

Indeed if a picture is worth a thousand words then Instagram is worth more to advertisers, entrepreneurs, businesses, artists, etc who love Instagram for Business, who depend on it to grow their enterprise.

There are others however, who think Instagram is some kind of instant money transfer app, who have zero clues on how to hack Instagram. The good news; profiting from Instagram is not rocket science, however like anything worthwhile it involves a certain learning curve.

In this article I’ll take you round the curve and show you 4 proven ways to hack Instagram and make money off of it.

Perhaps you're wondering,

What is Instagram Really About?

In October 2010,  Kevin Systrom and Mike Krieger launched Instagram; a photo/video sharing platform.The app allows users  upload, edit, filter, organize, tag and most importantly, share pictures and videos.

Posts can be shared publicly or with pre-approved followers. Users can browse other users content by tags and locations and view trending content. Users can like posts and follow other users or add their content to feed.

And of course, users can make money from Instagram :)

The following stats show why Instagram is a potential money making machine:

  • Instagram has 800 million monthly active users and counting with 500 million daily active users
  • 26% of IG users make over $75,000 a year.
  • Worldwide, over 25 million business profiles are on IG up from 15 million last year.
  • IG has over 2 million monthly active advertisers up from 1 million in March last year.
  • More than 80% of accounts on Instagram follow a business, with over 200 million Instagrammers actively following a business profile each day.
  • The Motley Fool reports that Instagram earned $4 billion in revenue in 2017, making up approximately 20 percent of Facebook’s annual revenue.
  • In 2018, 70.7% of U.S. companies will use Instagram marketing
  • 50% of Instagram users follow at least one business.
  • 60% of users say they’ve learned about a product or service on the platform

Source: WordStream

One cool way to make money on Instagram is by marketing hot selling products like the pros.

Following are 4 more proven ways to hack Instagram now:

1) Sell Blurb Photographs

As a leading photo/video sharing platform, Instagram allows users earn money from uploading, editing and sharing photos/videos including artworks, illustrations, etc for which they're the copyright holders.

You don't need to be a professional photographer to make money from Instagram. A typical smartphone has at least two cameras that allow owners take photographs of different qualities.

With image editors and filters you can enhance picture quality thus increasing visibility, reach and acceptance. Watermarks and subtitles help to secure and sequent your posts accordingly. 

The right hashtags will get you noticed like a notice board and help drive traffic, conversation and engagement around your posts. Instaprints is a great app that allows you purchase and offer Instagram pictures as blurbs for sale.

2) Sponsored Posts

Advertisements on Instagram are labeled “sponsored” where timestamp would typically be.  Sponsored posts a.k.a influencer marketing is marketing done for you by influencers like celebrities, famous or powerful individuals with a large Instagram following.

Influencers build an online following by doing and sharing great content, ideas etc. They are seen as idols, icons, leaders, trailblazers, professionals, and trusted specialists.

IG accounts with large following can help brands spread the word about their business, it's basically a celebrity endorsing a brand, saying “hey followers, I trust this brand”.

Beyond account size and reach, influencers work hard to earn and retain followers trust. Here, a good reputation is worth a million dollars.

Hence, many influencers are selective about who they work with, they do background checks, test products or services before they ever recommend same. Are you an influencer (and didn't know it), here's your chance to cash in.

You can also

3) Promote your Business

Instagram isn't just about your favorite pictures, you get the picture? Instagram for business is the brand's way of saying “hey, you know what? We (also) mean business!”

Of course you have to post pictures but bringing a business perspective on board helps to align your goals and objectives.

Again this can include using the right hashtags, generating conversation around trending topics, corporate social responsibility; anything that projects your business in good light.

It is a good practice to post unique pictures/videos different from the ones on your website.

You can also promote your business by supporting popular causes that relate to your business, that way you'll be in front of a relevant audience.

You can also

4) Sell your Instagram Account

People delete or deactivate Instagram or other social media accounts for different reasons including cyber bullying, hacking, privacy concerns, etc.

If you own an Instagram account with a huge following and thinking of leaving IG, instead of deactivating you can discuss and deal.

Businesses are willing to buy your IG account provided it has good following, it's as good as buying a permanent ad space on Instagram.

If you're interested in listing your account for sale, services like Popularity Swap and Viral Record can help. What you make depends on what you have made of your account, the bigger the better.


Instagram offers tons of opportunities for individuals, businesses, organizations to promote their causes and campaigns. Bundled with these are amazing opportunities to make money. Business, individuals or groups who get a good grasp of this can make money from Instagram in more ways than one.

Lastly, always hedge. Instagram algorithms may change at any time, such changes may be unfavorable and cut you out of business if you depend solely on IG for marketing.

 Author Bio:

Amos Onwukwe is an AWAI trained Business/Ecommerce B2B/B2C Copywriter, featured in scores of blogs including Huffington Post, Dumb Little Man, Ecommerce Nation, eCommerce Insights, Understanding Ecommerce, Result First, Floship, SmallBusinessBonfire, SmallBizClub, Successful Startup 101, Business Partner Magazine, RabidOfficeMonkey, etc.

He’s available for hire.

Twitter: @amos_onwukwe

Uncategorized Editor Tue, 26 Jun 2018 22:03:14 -0400
How Many Solar Panels Are Needed For An Efficient Home               Solar energy is an exciting alternative way to power one’s residence. Although the technology itself is not new, the technology and availability has improved continuously to make them within reach of many end consumers. While it is difficult to estimate, as a general rule, there are some guidelines which professional use to help determine the quantity of solar panels.

              It is also important to define your goal of solar panel use. Those who wish to replace traditional power sources and those who wish to supplement their normal use can use different numbers of panels.


              The number of panels depends on many factors, one of these is square foot. All other factors being held equal, 1 panel could power about 100 square feet. This means a home of 1000 square foot would need 10 panels, and 2000 square foot 20 panels. This again is only rough estimate since many things can affect this number. The size of each panel in the USA is usually about 5 feet my 3 feet. So, the number of panels necessary to properly power a home can consume a lot of space.

              Power consumption varies from family to family and house to house. A single individual at work most of the day in a 2000 sq. ft home would need far less than a family of 5 where one parent stays home with a child. The use of TV, the refrigerator, air conditioners etc. all consumer power and different families can have very different kilowatt usage.

              Sunlight, since it is the source of energy for solar panels, is essential to efficient panels. The direction the house is facing alone with the slope of the roof are factors in the construction of the home that affect sunlight availability. Also, there are external factors like nearby building and trees that might block sunlight. Different geographic regions in the world also receive different amounts of sunlight. There are maps and tools online to determine how much sunlight your area receives based on historical data. In the northern hemisphere the panels and roof should usually be south facing. Solar energy has walked a long road in recent years and as technology is improving less and less panels will be required.


              The news is out: Home Solar technology has peaked in recent years. Photovoltaic panels are one form of solar panels that can be used. These types of panels convert the solar radiation into an electric current which is then used to power the home. These are the more expensive option because it converts one form of energy (solar) to electric energy.

              The second form of solar panels are solar thermal panels. This technology uses the direct sunlight to heat a fluid held in a closed system of tubes within the panel. This is directly transferred to water tanks and used as a hot water source for the restroom and kitchen. This type of panels only heats the water in the home, but water heaters are a serious consumer of electricity so significant savings are possible.

Uncategorized Editor Thu, 17 May 2018 09:38:50 -0400
Reasons Why You Need A Technology Detox

When was the last time you used your free/ idle time to read, talk a walk, call a friend, or even nap, instead of turning to your phone or computer? Do you remember the last time you went outside because you felt the need to and your social media feed didn’t hold you back?

Let’s face it. Even though technology has changed the way we do things, increasing efficiency in different areas of life, it is also zapping the life out of. More cases of teenagers with depression and other mental issues are on the rise, not to mention the dwindling productivity of even a leading car accident lawyer Surrey because of social media addiction.

If you find yourself exhausted even after spending hours watching cute cat videos, or if you are under numbing levels of stress, it’s time to take a chill pill.

If you are unsure whether you need a technology detox, answer these questions?

  • Do you spend more time than you intended on social media?
  • Do you feel dissatisfied or even guilty afterwards?
  • Is FOMO your biggest motivator?
  • Do you get uncontrollable urges to check your phone?
  • Are your days too short to get everything done?

Well, if you have answered yes to one or all these questions, then you need a tech detox.

Here are the other reasons why you need time off from technology.

  1. You will get back to the moment

A few days without technological gadgets will stop the constant anxiety and overwhelming stress levels. The sad part about being on your phone most of the time, even in between tasks, is that you hardly have time to reflect or think things over.

Your body is constantly overreacting to the world with technology telling you what is urgent and what isn’t. Do you realize that none of the urgent things on social media do appear in the urgent section of your to-do list? There is your answer.

  1. A break will bring you closer to your family plus friends

Are you aware of everything happening in the lives of your family and friends? Do you feel detached from life? Perhaps it is time to hit the reset button. If you and your friends or family go for dinners, lunches or brunch and you realize that everyone posted something on Instagram or Facebook, then you are all in deep trouble. You can start by committing to putting away phone during meals, family games, and even talks. You will reignite the bonds in your lives

  1. You will meet more people

Did you notice the cute guy standing next to you on the subway? Did you see the new coffee shop at the corner? Chances are, you didn’t because your surroundings don’t matter as much as your phone.

If you have been complaining about not meeting new people, you might want to start by keeping your phone away a few minutes. That person who interrupts you could change your life forever.

  1. You will save a lot of time

How many times do you get home and wonder why you didn’t want a task you were confident you would complete? Go back to your day and take a log of what you need. You will be dumbfounded by how much time you waste on social media. Technology drains time.

  1. Lastly, you will sleep better.


  • Delete social media apps from your phone so that you only access them on your computer
  • Leave your phone in a different room
  • Turn off your phone after business hours or during weeks
  • Turn off notifications
  • Check social media at the end of the day and when exhausted.
Uncategorized Editor Tue, 27 Mar 2018 22:53:09 -0400
Be a More Efficient Driver How would you score your driving abilities these days?

For many drivers, their driving abilities do not meet the standards to be safe on the roads. That said they continue driving. If you’re someone who has great driving abilities, you want to steer clear of those who do not.

So, when was the last time you stopped to think about the type of driver you are?

Make Sure You Adhere to the Rules of the Road

In trying to be the best driver out there, here are a few keys to achieving such a goal:

  1. Know the rules – Of most importance, be sure to know your state’s driving laws. Sure, you may have passed your learner’s permit and driver’s license tests years ago, but things change over time. As such, it is not a bad idea to pick up a copy of your state’s DMV handbook. Read through it to see if there have been any notable changes in the years since you took your driving tests.
  2. React to others – There will be times when you will want to react one to the actions of other drivers. That said do all you can to avoid road rage. All road rage does is have you and others in harm’s way. You are better off turning the other cheek and moving along. Sure, you want to lash out at times, but is it worth it?
  1. Keep focus on the road – Whether your phone or you have a desire to eat while driving, don’t get distracted. It only takes a split-second distraction on your part to lose control of your car or truck. If that occurs, you could end up paying for it in more ways than one. Use your phone or eat your meal after you have arrived at your destination.

Does Your Vehicle Measure up When it Comes to Safety?

Even though your actions behind the wheel are crucial to being safe, your vehicle plays a role too.

For instance, what if your vehicle has any of the following issues:

  • Tires – Are your tires not at the right inflation levels or are the tread on one or more of them all but shot? Either of these problems can lead to an accident sooner than later. Check the tires on a regular basis for wear and tear. Remember, the tires are one of the easier parts of the vehicle to keep an eye on.
  • Brakes – If you hear some squeaking in the brakes, this is a warning that they need some attention. Take your vehicle into your mechanic’s shop and have the brakes checked out. Although it may not quite be time for new ones, at least you are now on alert.
  • Lights – A burned out taillight or headlight is more than an inconvenience. Not only could you get pulled over by the police, you could increase your odds of an accident. Make sure to keep an eye on your lights on a regular basis.

Safety Over Money

If you are trying to save money with your vehicle, be careful how you go about that.

Sure, you may be working off of a family budget.

As it turns out, millions of people do that. That said you do not want to skimp on vehicle needs to save a few dollars here and there. Doing so could set you up for an accident. If that occurs, your expenses could be much more.

Always have your vehicle in prime condition for each time it takes to the roads.

By doing so, you and everyone around you will be safer for it.

Uncategorized Editor Fri, 15 Dec 2017 22:54:50 -0500
Must-Have Travel Essentials to Europe

Travelling to Europe is fun, but all that fun can disappear if upon your arrival you realize that you don’t have what you need to survive in Europe. The secret to packing right is getting innovative and going with small and essential items. Though beautiful, Europe is a little unsafe, and the accommodation plus travel rules of engagement may not be the best. To lessen the effects of the culture shock, pack the following essential items:

  • A multifunctional convertible bag

You need luggage that can accommodate everything you need but small enough to help you maneuver through crowds fast. If you are touring most of Europe, then a bag with straps and wheels will make it easy for you to move from one city to the other or between towns.

Ensure that the bag can carry your passport, phone, wallet, camera, and makeup. You can ask Cosmetic Consultants Canada for advice on the best beauty products that will work well on your skin after considering the prevailing weather conditions in Europe. Your makeup should fit in the bag easily.

You may want to consider getting packing cubes because they will simplify the packing and encourage orderliness. Packing cubes take less space.

  • Camera

There are countless beautiful sights you’ll come across in Europe, and you don’t want to miss them. Just think about it, the Alps, Santorini, the Eifel Tower, and the bridges of Venice. Wouldn’t you want to have photos of all these sites? Get a good camera to take high-quality images. A camera perfectly complements your smartphone camera.

  • Europe Friendly Power Adapter

Don’t assume that you will be able to plug in your Canadian or American power adapter into European power sources easily. To be safe, get an adapter with two pins as it works in nearly every country you will set foot in. The adapters also come with guidelines on how to avoid your electronics in Europe.

  • Travel insurance

Travelling isn’t always exciting, and something may go wrong along the way. Losing luggage isn’t unheard of and getting ripped off by pick pockets is the norm in Europe. For your safety and the security of your essentials, get travel insurance. Travel insurance comes into play also in case of flight delays, health emergencies and in cases of security concerns and you need emergency evacuation.

  • Activated charcoal

This isn’t always in packing lists but knowing how bad travel diarrhea is, you will need it. Though the hygiene standards in Europe are high, you can still get sick from eating unfamiliar food. Why activated charcoal? It will absorb all the toxins in your system which could have caused diarrhea. Recovery is fast with activated charcoal.

  • A water bottle

Wondering why you should carry a water bottle when you can buy it anywhere? Well, it’s all about cost cutting. Even though tap water is unsafe, you can get bottled water anywhere and refilling a reusable bottle is cheaper and reduces plastic waste.

  • The right travel gear

You have to carry flip flops, walking shoes, a quick dry towel, dark jeans and a rain jacket. You should also consider carrying some solid shampoo and a high-quality travel backpack.

Don’t forget to carry a scarf, an umbrella, passport photos and headphones. Don’t carry too much cash, leave unnecessary electronics and expensive jewelry behind and carry few books.

Uncategorized Editor Mon, 18 Sep 2017 22:52:28 -0400
Tips For Securing Quality Tenants Do you have an investment property and are seeking a new tenant? Maybe you’re a first time landlord and are looking for suggestions on the best ways to secure quality tenants that will take care of the property and meet all the terms of the lease. Follow these suggestions from the industry professionals to secure the highest quality tenants.

Prepare the property for lease. You can’t rightfully ask something of your tenants that you’re not prepared to undertake as well. Ensure the exterior of the property has no deferred maintenance or need of painting. Attend to the landscaping by trimming, mowing and updating as necessary. Curb appeal has huge value when renting a single family home or townhouse. If you are leasing a condominium, clean the front door and replace the doormat if necessary. On the interior of the unit, paint all of the rooms a bright, fresh color and steam the carpets, hardwoods and tile as needed. Pay particular attention to the cleanliness of the bathrooms and kitchen. There should be no evidence of prior tenants. Ensure that all appliances, including HVAC are in working order and have been cleaned and serviced.

Take advantage of the savings offered by Groupon coupons and head to Walgreens for basic office supplies that you will need to create a marketing piece to leave in the property for prospective tenants. This flyer should include several photos, room counts, lease terms, and your contact information. Identify the online websites to be used for listing your property for rent. Include multiple photos and a detailed narrative description of the property. The more information you include, square footage, distance to shopping, school district, etc. the higher the chance you will attract qualified prospects that are truly interested in your property.

Prepare a tenant application, terms of lease and actual lease. Have these on hand for showing and be prepared to forward them digitally to prospective tenants as well. Respond quickly to inquiries and be flexible in establishing meeting times for prospective tenants. Conduct basics prequalification on the phone to respect everyone’s time. Best of luck to you!

Uncategorized Editor Thu, 26 Jan 2017 21:59:20 -0500
How to Create a Family Budget

For singles, creating a budget is relatively easy. They tend to have a good handle on how much money they have coming in, and when tracking expenses, they only have their own to think about. But creating a family budget is a whole new ball game.

Most families have multiple sources of income. And when there are multiple spenders, that makes things much more confusing. This is one of the main reasons that families lack a formal budget. But having a budget and sticking to it can greatly improve a family's financial outlook.

Making a family budget may be tricky, but it can be done. Here's how.

1. Take inventory of all income. If a certain source of income fluctuates from month to month, use the lowest amount or average it out.

2. Keep track of all expenses for a month or so. Keep all of your receipts, and ask all family members to turn theirs in to you each day.

3. Add up your monthly expenses. Be sure to include bills, debt payments, groceries, and everyday expenses such as lunch money and transportation costs.

4. Get the family together and discuss ways you can trim the budget. Getting input from other family members will help you determine which expenses are necessary and which ones could be cut down or eliminated. Maybe you or your spouse could start taking lunch to work instead of eating out, or maybe the kids can drop an extracurricular activity.

5. In addition to individual expenses, discuss how you can cut down on the electric bill, groceries and other necessary family expenses. Consider such things as carpooling or taking public transportation, buying more generic foods and adjusting the thermostat.

6. Estimate how much you can save on regular expenses, and cut the completely unnecessary items out of the budget. Then refigure it and see where you stand.

7. If you end up with a surplus, allocate a portion of it to savings. If you're in the red, go back and rework the budget until you have more income than expenses.

Being Realistic

One reason that family budgets often fail is because they're just not realistic. It's great to cut down on expenses, but sometimes we tend to go too far. For example, cutting entertainment out of the budget completely might look good on paper, but we all need a little diversion every now and then.

Instead of cutting such things out of the budget completely, consider finding ways to lower the cost. Going back to the entertainment example, maybe you've been going to dinner and a movie as a family twice a month. But eating in and renting a new release would be much cheaper, and you would still get to spend quality time together.

Individual expenses can also be tricky. This can be resolved by allocating a certain amount for each family member to spend each week. If someone spends his entire amount before the week is up, reevaluate his expenses and adjust if necessary.

Creating a family budget can help keep spending under control, leaving more money to pay down debts and save for future goals. But in order to succeed, close monitoring is essential. Your efforts will be rewarded, however, with less financial stress and more money in the long run.

Uncategorized Editor Tue, 24 Jan 2017 10:17:42 -0500
Planning for Medicaid & A Longer Life Medicaid is complex and confusing. It wouldn’t be your fault if you felt like it was made this complicated on purpose to discourage people from trying to qualify. Lots of people feel this way. To make it worse, medicaid is mistaken for medicare very often. The basic difference is medicaid is for the poor and medicare is for the elderly.

Practically all senior citizens can receive medicare if they’ve paid their taxes during their working years. Though for seniors who do not qualify, they can buy their way in by paying set premiums to the federal government. After reviewing the benefits and you feel that it’s a bit lacking, you can buy supplemental medicare insurance to cover the holes medicare leaves behind.

Back to medicaid. This is a joint program handled by the state and the government to make sure that the poor have access to medical services. Medicaid is regulated by congress and state legislatures. The laws in place have dictated the standards for permanent residents only to qualify medicaid. They do not cover illegal aliens. The standards differ depending on your state but this, along with other concepts, applies everywhere.

Medicaid focused health-care lawyers focus on these programs to provide services to the elderly. Medicaid make sure you are provided a nursing home or receive at home care, which not many people know about. At-home care can be much more beneficial but differs with each state.  

The most commonly known program is ‘chronic care medicaid’. This is when a person reaches a physical or mental state which means they are incapable of activities of daily living or ADL. They are deemed unsafe to live in their home unassisted and require medical assistance.

Please note that Medicare does not cover payment for nursing home care. It pays for skilled nursing care within nursing homes and similar facilities only. This is one of those holes that supplemental medicare insurance can cover for a set period of time.

Seniors that need permanent nursing home solutions have 3 options:

  1. Pay for it on their own

  2. Obtain long term care insurance

  3. Try to qualify for medicaid

If your assets are limited, you will need to focus on that last option. Qualifying for long term medicaid will depend on whether you planned for medicaid in advance or if your current financial state automatically qualifies you for medicaid. In some cases, individuals have worked around lowering their assets in order to qualify while still insuring that these assets are protected or used in a beneficial way.

If you are interested in learning more about that, find a medicaid planning lawyer to help you. There are many ways you can improve your situation more swiftly than you thought and having a lawyer with practical experience and knows their way around medicaid laws in your state can really make things much better for your health and your finances.  You may have more options than you thought with different ways to plan for your future. Call up a medicaid planning lawyer today and discuss your situation for practical legal advice.

Uncategorized Editor Wed, 04 Jan 2017 01:18:15 -0500
6 Tips for Stepping out of Your Comfort Zone

Thеrе’s а reason whу wе tend tо fall into routine. It’s safe, wе know wе саn handle іt, аnd wе’rе pretty sure wе won’t screw іt uр. Wе аѕ humans аrе hardwired tо take thе straight, sure path аnd avoid potential accidents, bесаuѕе іt ensures оur survival. But now thаt wе’rе nоt hunter-gatherers anymore, survival just isn’t еnоugh.

Arе уоu living, оr аrе уоu existing? Whеn wаѕ thе last time уоu hаd аn adventure? Whеn wаѕ thе last time уоu felt аn adrenaline rush thаt hаd nothing tо do wіth running late? Or do уоu spend еvеrу day doing thе same things, іn thе same order, аt thе same times, working frоm thе minute уоu get uр tо thе minute уоu go tо bed, still feeling like уоu missed оut оn ѕоmеthіng?

Thе secret tо climbing оut оf уоur rut іѕ tо step outside уоur comfort zone. Force уоurѕеlf tо fake іt ‘til уоu make іt. Don’t worry аbоut whеthеr уоu саn handle іt, just force уоurѕеlf tо handle іt. Yоu’ll feel more alive thаn еvеr, аnd уоu’ll learn plenty аbоut уоurѕеlf.

Start Wіth Small Things

A ancient Chinese philosopher used to say "a journey of a thousand miles begins with a single step". On уоur commute home, turn left іnѕtеаd оf right. Take а different route оn уоur run tomorrow morning. Walk into а store уоu normally just walk bу. Say hеllо tо ѕоmеоnе new. Thеѕе small steps саn land уоu іn ѕоmе оf thе most interesting places. Try exploring аn adjacent town, оr explore уоur own town thе way а tourist might. Same place, new thinking, new perspective.

Learn Sоmеthіng

Pick аn activity уоu know absolutely nothing аbоut, аnd learn іt. Don’t bе afraid оf looking stupid - уоu don’t look stupid, уоu look curious, аnd curiosity іѕ а sign оf intelligence. Nеvеr stop learning new things. Continued stimulation іѕ one оf thе best ways tо keep thе brain young no matter how оld thе body іѕ.

Do Sоmеthіng Yоu Nеvеr Thought Yоu Wоuld Do

Write а book. Collect coins. Take uр synchronized swimming. Think оf ѕоmеthіng thаt has always ѕееmеd "nоt уоu", аnd try іt. Nоt ѕоmеthіng уоu avoid fоr moral оr legal reasons, just ѕоmеthіng уоu’ve always assumed wouldn’t appeal tо уоu. Yоu might surprise уоurѕеlf. Read уоur son’s comic books. Listen tо уоur daughter’s playlist.

Face Your Fears

Afraid оf spiders? Walk into а pet store аnd ask tо hold thе tarantula. Terrified оf heights? Take аn elevator tо thе top оf а skyscraper аnd press уоur nose against thе window. Coax уоurѕеlf thе way уоu wоuld coax а kitten оut оf hiding - thеrе іѕ nothing tо bе afraid оf here, just do іt. Afraid оf public speaking? Join Toastmasters. Afraid tо fly? Schedule уоur dream trip tо New Zealand.

Face Obstacles

Tоо often, wе plan оur lives аrоund avoiding obstacles. Inѕtеаd оf avoiding thеm, face thеm head-оn. Bust thrоugh thеm. Pole vault оvеr thеm. Want уоur Master’s degree but don’t know how tо find thе money оr time? Sit down аnd figure іt оut. Stop putting things off fоr 'whеn wе have more money' оr 'whеn wе’rе settled'. Thаt’s nоt tо say уоu ѕhоuld rush into аnу major decisions wіthоut а plan, but start thе planning now. Tell уоurѕеlf whаt уоu want, thеn figure оut whаt уоu have tо do tо get іt.

Accept Help

Whether wе admit іt оr nоt, many оf uѕ аrе afraid tо accept help. Wе don’t want tо look weak, wе don’t want tо bе needy, wе don’t want tо bе аnуbоdу’s burden. But learning tо lean оn others саn help уоu achieve whаt уоu want tо achieve. Lеt уоur mom watch thе kids whіlе уоu go bасk tо school. Lеt уоur friend come wіth уоu tо hold thаt spider. Bring уоur teenager wіth уоu tо hold уоur hand аt thе top оf thаt skyscraper. Thеrе іѕ no shame іn accepting оr asking fоr help.

It саn bе very scary іndееd tо step outside thе comfort zone, but іt іѕ thе оnlу way tо break оut оf а rut. Yоu’ll find а renewed sense оf confidence аnd even ѕоmе new interests. More importantly, уоu’ll learn thаt fear іѕ just уоu holding уоurѕеlf bасk. Bе fearless іnѕtеаd, аnd reach уоur true potential.

Uncategorized Editor Mon, 08 Aug 2016 02:37:43 -0400
Saving Money on Flight Tickets and Hotels with a VPN Travelling and going from one place to another can surely be expensive. Holidays certainly can cost you a lot of money. However according to research it has been proved that the device which is used to book an airplane ticket or a hotel accommodation can add up to the overall expenses and the price of the vacations. With the help of using a VPN, it is surely possible to reduce the overall expenses and get a cheap and affordable plane ticket as well as hotel accommodation.

It all depends on where you want to travel. Depending on your destination where you want to reach and the distance travelled, flights can surely cost one a huge price and chunks of money. As a result you will end up spending a large amount of the holiday expenses only on the flight ticket. The best solution is to look out for cheap flights. Finding the most reasonable price of the flight however requires an effort. It is also worthy to check the airline websites themselves for upcoming deals and offers.

Basically travel sites and flight sides are using various cookies to track, monitor and record the number of times your original IP address has checked the price, schedule of the flight. As, a result the flight that was schedule for $500 will automatically increase to $600, once the number of checks with the same IP increase. Many flights are also sold and bought at a cheaper price depending on the location. At certain countries the same price will have higher prices while it will also show lower prices of the same flight if the location is changed. Hence simply by using a VPN, one can save a lot of money.

VPN is mornally use to increase online security for to bypass Internet blockings in countries such as China. However, with a VPN, you can also change your IP address and appear to be from another location.

A VPN is normally recommended but for getting the best results one can purchase a ProVPN also. The VPN service network is also one of the largest available hence, it is very easy for customers to choose. With the help of a VPN, you can change your current location. The location is changed by assigning the IP address of the country which you prefer the most. For example if a customer is living in the United States and you book a flight from Washington DC. After a while if you connect to a VPN server located in Romania, you will end up buying the same flight at a cheaper rate. Hence, you are able to fool the travel website and save money through VPN.

Similarly, it is possible to get the most affordable hotel accommodation with the help of VPN. If a customer is booking a hotel from Pakistan at a certain price. Then after some time, by using the VPN and changing your current location you can book the hotel at more affordable deal. Hence saving a lot of money.

There're many good VPN services to choose from, such as ExpressVPN, VyprVPN, PureVPN and more. You can test their services by using their free trials. Many of these services offer a money-back guarantee.

However, while using VPN, it is always good to delete the cookies from your computer, before you connect to a VPN and start the search. It is important to clear the cookies each time you change your server location in order to prevent the website from recognizing your identity. Surely VPN, is a great way to save money.

Uncategorized Editor Mon, 01 Aug 2016 23:29:28 -0400
How Nоt tо Take Things Personally

Wе аrе thе nucleus оf оur own lives. Taking things personally starts wіth thе word 'I'. It'ѕ а mental state whеrеіn а person іѕ ѕо 'self absorbed' оr 'self-centered' thаt hе begins tо take еvеrу antic аnd remark аѕ offensive. Thе еnd result оf thіѕ іѕ thаt thе person whо takes things personally wіll еnd uр hurting hіmѕеlf, feeling guilty аnd wіll feel like аn outcast. If аnу оf thеѕе things have happened tо уоu, thеn уоu dеfіnіtеlу take things personally аnd еnd uр being upset оr feeling incapable. But whу ѕhоuld уоu feel upset оr guilty? After аll іt іѕ ѕоmеоnе еlѕе's opinion. Thеrе аrе ways уоu саn overcome thіѕ, lеt's see how...

It'ѕ Just аn Opinion

Sоmеtіmеѕ wе take things personally assuming thаt аn act оr а statement wаѕ meant tо target оur ego оr self respect. Sо, think twice аѕ thіѕ соuld nоt bе thе reality. A person соuld have innocently said аbоut ѕоmеthіng thаt hе/she does nоt like. It does nоt mean thаt thеу аrе telling уоu ѕоmеthіng аbоut уоurѕеlf. It'ѕ mеrеlу аn opinion, а generic opinion! And whеn уоu realize thаt уоu асtuаllу felt bad аbоut ѕоmеthіng thаt wаѕ nоt said tо уоu, thеn уоu know ѕоmеwhеrе іn уоur head уоu wеrе guilty аbоut ѕоmеthіng. Ask уоurѕеlf thіѕ аnd get оvеr іt.

Know Yourself

Knowing уоurѕеlf іѕ аѕ important аѕ eating food. Bу knowing уоurѕеlf I mean thаt уоu ѕhоuld bе aware оf thе good аnd thе bad іn уоurѕеlf. And mоrеоvеr, уоu ѕhоuld accept уоurѕеlf thе way уоu аrе. If уоu аrе іn а state оf constant self denial оr criticism, уоu wіll bе more prone tо taking things personally.

Reason оut аnd Analyze

Whеn ѕоmеоnе has said оr done ѕоmеthіng tо уоu, thаt уоu feel has offended уоu іn аnу way, thеn thе first thing уоu do іѕ, reason оut 'whу' thаt person said оr dіd thаt wіth уоu. Thаt person соuld have probably given уоu а wise advise thаt уоu took оthеrwіѕе оr аnоthеr reason соuld bе thаt thе оthеr person has ѕоmе wrong perceptions аbоut уоu. Once уоu get аn answer tо уоur 'whу', уоu wіll no longer take іt personally.

Mауbе Yоu Went Wrong Sоmеwhеrе...

"Nothing іѕ completely wrong. Even а broken watch іѕ right twice а day." ~ Paulo Coelho

Sоmеоnе соuld асtuаllу bе pointing а finger аt уоu, directly оr indirectly. And аt ѕuсh times, уоu wоuld feel bad, іf ѕоmеоnе tells уоu оr reminds уоu thаt уоu аrе wrong. Whаt уоu саn do here іѕ, ask уоurѕеlf іf whаt thе оthеr person іѕ saying tо уоu іѕ right оr wrong. If thе answer comes thаt thе оthеr person wаѕ right, thеn thеrе іѕ no better bliss thаn 'realization'. Accept уоur mistakes аnd try improving оn іt. Hоwеvеr, іf thе answer іѕ thаt thе person іѕ wrong аbоut уоu, thаn talk іt оut. Talk tо thаt person аbоut how уоu felt, know whаt hіѕ views аrе, clarify thе misunderstandings.

Nobody іѕ Perfect

Do уоu know аnуоnе whо іѕ perfect? If уоur answer іѕ yes, thеn mу answer tо уоu іѕ thаt уоu dоn't know thаt person tоо wеll. Thіѕ іѕ іn no offense tо thе person уоu think іѕ perfect, but thіѕ іѕ tо tell уоu thаt 'perfection' - реr se, does nоt exist. Evеrуоnе has flawed, sinned, аnd erred аt ѕоmе point іn thеіr lives. Thіѕ іѕ bесаuѕе no one learns wіthоut making mistakes аnd thаt іѕ thе essence оf thе learning curve. Sо, take іt easy аnd keep going, thеrе аrе ѕо many important аnd better things tо do іn life.

"Unlеѕѕ I accept mу faults I wіll most сеrtаіnlу doubt mу virtues." ~ Hugh Prather

Respect Othеrs Space аnd Privacy

A common instance whеn а person takes things personally іѕ whеn а person іѕ said 'NO' tо. But а 'NO' іѕ nоt always а rejection. Whеn а person says 'No' tо уоu fоr аnуthіng, thеrе соuld bе many reasons fоr doing ѕо. If уоu ask а friend tо accompany уоu ѕоmеwhеrе аnd hе says no tо уоu, thаt does nоt mean thаt hе does nоt want tо join уоu. It соuld just mean thаt hе genuinely has no time оr іѕ іn no state tо come. Sо, respect others privacy аnd space аnd stop taking іt personally.

Know Whаt tо Expect frоm Whоm

Thеrе аrе times whеn уоu ask ѕоmеоnе fоr ѕоmеthіng аnd thе person refuses tо grant іt point blank; thаt's whеn уоu need tо know thаt thеrе іѕ nothing уоu саn do here. A few people аrе like thаt; inconsiderate аnd ruthless. Here уоu need tо take care аnd know whаt уоu аrе expecting frоm whоm.

Remove "I"

I, Me, Myself.. stop thinking thаt еvеrуthіng іѕ аbоut уоu. Yоu аrе important, very important, BUT thеrе аrе others tоо. Get оvеr thе ego problem аnd think аbоut whаt others feel, mean аnd say. Evеrуthіng said аnd done іѕ nоt always аbоut уоu. Stay unbiased! It іѕ а state оf mind whеrе а person knows thе difference bеtwееn thе right аnd wrong. It'ѕ again аbоut knowing уоur true-self аnd accepting іt wіthоut аnу hesitance аnd being аblе tо stand fоr іt. Whеn, one іѕ іn а biased state оf mind, hе/she wіll nоt seek thе right solution tо а problem bесаuѕе 'hе does nоt see things аѕ іt іѕ' but іnѕtеаd 'sees іt thе way hе wants tо see іt'.

Yоu Were Nоt Born tо Please Evеrуоnе

It іѕ ѕо difficult fighting wіth thоѕе hundred things running іn уоur own head аnd being аblе tо perform аnу one оf thеm. Imagine іf уоu start bothering аbоut hundreds оf things, thаt hundred different people think аbоut. Yоu wіll go insane! Sо stop bothering аbоut whаt others think, tell аnd expect frоm уоu аnd thеу wіll stop bothering уоu. Sеrіоuѕlу іt works (self-tested)! Do whаt уоu like аnd invest уоur time іn productive things. No one knows whаt's better fоr уоu, thаn уоurѕеlf.

Get Ovеr Your Pаѕt

Whеn а person begins tо take things personally, іt indicates thаt hе doubts hіmѕеlf. It соuld bе bесаuѕе оf thе inhibitions frоm hіѕ/hеr previous experiences. Thе оnlу way tо get rid оf thіѕ іѕ bу accepting thе раѕt аnd letting іt go. Your раѕt іѕ а part оf уоu аnd nоt being аblе tо accept іt іѕ like rejecting уоurѕеlf. Smile аt уоur раѕt; like Richard Bandler said, "Thе best thing аbоut thе раѕt іѕ thаt, іt іѕ оvеr!"

Yоu know I used tо do іt tоо. I used tо take things personally, get offended аnd hurt mуѕеlf wіth thе smallest things. Fortunately, wіth time I learned thаt no one I know оf іѕ perfect аnd thаt I wаѕn't аll thаt bad.

Yоu just need tо experience іt once tо know how strong іt feels whеn уоur emotions аrе under уоur control. And once уоu have felt іt, уоu wіll keep driving уоurѕеlf tо thіѕ blissful state again аnd again. Yоu wіll, like mе, manage tо reach а state whеrеіn уоu саn take а compliment аnd а criticism wіth equal modesty.

Uncategorized Editor Mon, 01 Aug 2016 21:40:32 -0400
Seniors - How to Live Comfortably on Less For senior people, there're many more things to consider, such as finding a good elder care service etc. Whether you are newly retired or have been for some time, adjusting to a fixed income can be difficult. After years of spending and earning, it is time to settle in and create a budget - designed to not only stretch your savings but also to give you the quality of life you deserve. The usual saving strategies still apply, such as turning out lights and lowering the thermostat, but there are many other ways to make your retirement years enjoyable and stress free.

Being a senior does have its advantages. Many retail outlets offer seniors discounts, which can be as high as fifteen percent. Restaurants, movie theatres, museums and even Broadway shows also offer discounts to seniors. Since you are retired you have the advantage of being able to shop at any time. This will give you time to make your list before shopping and allows you to visit all stores in a single day to achieve maximum savings.

Try the generic brands as they usually provide the same results at a fraction of the cost. Buying items such as toilet paper and paper towels in bulk when they are on sale is just one way to keep more of your money. In addition to the sales, use coupons to boost your savings. Many grocery stores offer double coupons up to 99 cents, so be sure to ask your customer service representative if your store offers this great deal.

For your nightlife, why not check out the senior centers in your area. The centers are made up of people in your age group and have wonderful events planned weekly, such as dancing, bingo, casino nights and movies. The list is endless and the best part is that there is just a small fee for an enjoyable evening out. Best of all, you develop friendships with other seniors who have the same interests.

Living on less does not mean you have to sacrifice quality. Rather, open your minds to doing activities that cost less. If you are not an active driver, sell your car and rely on friends and family or public transportation. Maintaining a car is a hefty expense and so is car insurance. If you can live without the car, you will have more money in your wallet.

Adjusting to living on less can be difficult in the beginning, but after a while it becomes a way of life. There are many advantages to being a senior, so embrace them and relish in the savings.

Uncategorized Editor Tue, 26 Jul 2016 05:17:46 -0400
How To Get Ready For a Family Road Trip Deciding on a family road trip can be a daunting challenge, not to mention an exercise in patience. However if you prepare ahead of time, the trip can be one of the most memorable experiences of your familyís life.

Here are some quick and easy tips for making your family road trip a fun and safe one.

First, prepare a checklist of items you will need. This will include first aid kit, food, snacks, drinks, and lots of toys, coloring books, paper and crayons, a portable DVD player so your kids can watch their favorite movies; and a cooler. A good idea is to ask the kids what games they would like to take, within limits of course.

If you plan to travel to other countries such as China, make sure you have a valid passport and other legal documents with you. You should also make sure you have books flight tickets and hotels, which can be done on websites such as

Ensure that the snacks are healthy in nature. Too many sugar snacks can have the kids bouncing off the car seats. Remember, this is a relaxing family vacation and you want to avoid the kids getting bored or repeatedly asking you when you are going to arrive.

Check online to print out games for the road that you and the kids can play along the way. There are an assortment of puzzles and riddles as well.

In addition, if you have very young children you will need to take the diaper bag and wipes for the occasional spills, blankets and pillows if applicable and a favourite item or stuffed animal for the young ones is a good idea as well.

Second, decide on the destination and then contact AAA for a trip ticket. Ask for the scenic route, one that is much more calming and pleasing to the eye, especially the driver!

Third, as you check out the planned route you may want to check online to find gas stations along the way that offer the cheapest gas. Also if there are any points of interest along the route mark them on the map and plan to stop at these sites.

Fourth, while on the road ensure that you make pit stops regularly. This will allow the kids to run around and let off some steam, while allowing the adults to stretch and reenergize. Bring along a football or soccer ball so that the entire family can have some fun while exercising at the same time.

Finally, it is very important that safety concerns are met. This includes having the car checked at your local mechanic or gas station. Ensure that the oil and filter are changed; the tires are well inflated (donít forget the spare tire, too); the windshield wipers are replaced (if needed); and the car is in great condition before you head out.

In addition, you may want to place the following items in your trunk: a lawn chair, extra blanket, emergency road kit, umbrellas, water, flashlight and batteries, a battery-powered radio, and windshield wiper cleaner. In the glove compartment include a first aid kit and cell phone charger. Keep all medications in a Ziploc bag in the glove compartment as well.

Another good idea is to take a list of telephone numbers including the hotel or motel where you are staying as well as those of family and friends you may need to contact.

If you enjoy scrapbooking, this road trip may be a perfect opportunity to add new treasures to the book. As you make stops at some scenic sites, ask the kids to find an item they would like to include in the scrapbook. Or if the kids point out something along the way that they find fascinating, take a picture of it to include in the scrapbook as well.

Engage the kids in the decision making, age appropriate, and allow them to decide what they would like to bring. Have them pack their clothes (check the suitcases afterwards) so they feel part of the overall experience. Planning ahead of time for a family road trip will save you time, stress, and money. And the kids will enjoy this adventure, too!

Uncategorized Editor Sat, 16 Jul 2016 03:31:23 -0400
The Real Cost of Smoking Despite warning labels and the excessive cost, people still continue to smoke cigarettes. There are many reasons to kick the habit. Cigarettes now cost anywhere from eight, ten, or even twelve dollars per pack and if you smoke a pack a day, you will have spent upwards of three thousand dollars in one year. If there is more than one smoker in the home, the cost is off the charts. Even though the price keeps going up and up and up, people still continue to smoke.

But smoking is much more than the expense to your wallet; it is the time it takes away from your life. It has been proven that cigarettes decrease your life expectancy. Smokers have a lot more bronchial problems than people who do not smoke. The lists of complications and illnesses that can happen directly due to smoking are plentiful. Illnesses such as bronchitis, pneumonia and emphysema are rampant in smokers. Some smokers even end up suffering from lung cancer and oftentimes the cancer is detected too late to cure.

Nicotine is said to be more addictive than heroine and though many people try to quit, most fail. Smoking is a habit that can be resumed with ease even ten years after you have quit, making it one of the most dangerous habits. Yet every day even more people start smoking.

Not only does smoking affect your wallet and your health, but your family is also at risk. Second-hand smoke is very harmful and has been proven to do almost the same amount of damage, if not more, to the non-smoker in the home. Over the years, many children have come down with asthma and bronchial problems directly related to being in the home of a smoker.

If you need evidence of how damaging smoking is, just wipe your walls down; they are golden yellow from the substance left in the air. Humans are not the only ones who suffer; your pets are also at risk.

Really, there is nothing good about smoking. If you have tried all measures to quit and nothing is working, you may want to try a support group. After all, it is your money, your family and your life on the line.

Uncategorized Editor Fri, 15 Jul 2016 23:18:31 -0400
4 Thinking Errors Defiant Children use against their Parents We have all fallen victim to erroneous thinking. Sometimes we use it on purpose to make ourselves feel better about making a bad choice. Well, defiant children know how to use them to. However, if their errors in thinking are not challenged, they hold onto them and this can be detrimental later in life.

The Mind of a Child

Children donít see things the same way that parents do. Without the benefit of years of experience, they act on emotion and instinct. They want what they want and donít mind using negative tactics to get it from you. Itís all about them. Instead of evaluating a situation to see all sides, they only consider how they feel.

Children with mental disorders like Oppositional Defiant Disorder can get caught in a bad cycle. They start acting on these thinking errors and things spiral out of control from there. As long as you feed into their way of thinking with your behavior, they will continue to manipulate, yell, scream, and terrorize everyone around them. The solution is to get help.

4 Thinking Errors Parents of Defiant Children should be Aware of

The road to healing is long and hard. As parents, you are required to do a lot of the heavy lifting. The first step is to understand your children. Know how they think and what they do to get their way.

1. Injustice stance: This is the thought that the entire world is against them. When things donít go their way, then nothing is fair and they shouldnít have to comply. This means that if they decide that school sucks, they donít feel they should get up and go in the morning no matter what you say. In some ways, a defiant child can also be passive-aggressive by moving slowly so that they will have no other option but to get their way and stay home.

2. Pride in Negativity stance: Kids always think that they know more than their parents. Defiant kids are great for needling their parents with things that they know that their parents arenít aware of. They could say they learned how to steal or about drugs or about mature video games that they shouldnít even be playing. Itís nothing for them to tell their parents that they donít know what they are talking about to make you feel stupid or that they have one up on you.

3. Dishonesty stance: Kids do lie and will continue if they are not caught and the situation dealt with. Defiant kids use lying, telling half-truths, and keeping secrets to deny that they have been caught in bad behavior. They may even mix some truth into the story to make it seem more plausible.

4. Victim stance: This is a jewel in their crown. They always blame someone else for what happens to them or for what they do. Even if they are the aggressor, it is the other personís fault that they had to say or do something bad to them.

Recognize the methods that defiant kids use to justify their behavior. Teach them to change their way of thinking.

Uncategorized Editor Tue, 05 Jul 2016 16:34:04 -0400
House versus Condo: Which One Should I Buy? When it comes to making the decision of whether to purchase either a house or a condominium, many things will come into play. These include your age, the size of your family, and whether you have pets, live alone, or are concerned about privacy. Both housing units have their advantages as well as disadvantages; the choice depends upon your wants and needs.

When you own a home, you make all the decisions. You own your land so you can add things to the property as you like, landscape as you desire, paint your home any color scheme you wish, or leave the garbage cans out front for a week. You also have privacy; no one lives above or below you to cause any unnecessary stress. A home purchase is also a great investment as they almost always show a profit.

The down side to owning a home is that you are responsible for all repairs. You mow the lawn, pay the garbage man, and repair the roof, along with many other responsibilities. If you are young and just starting out, this may work well for you as you will be able to do most repairs yourself and this can save you a lot of money. If you are older, these types of repairs can be costly as you may need to hire someone for each situation that warrants repair.

The condominium is an option as well. If you live alone or are approaching those golden years, buying a condo can benefit you immensely. The Home Owners Association collects a fee from each owner, and with this fee it is able to provide maintenance for the building to include lawn care, garbage pick-up and the roof maintenance.

There are some downfalls, however, in that a condo is not as private as a house. You will have a neighbor above or below you, you will have to share a driveway or park in a parking lot. Condos either have no yard or just a small plot, and you must ask permission before adding anything to the outside of your home. Many condominium units allow only one pet, if any at all, and some do not allow dogs. Condominiums also do not appreciate as well as homes.

There are many considerations to keep in mind when making the decision whether to purchase a house or a condo. Both offer unique advantages as well as disadvantages. Ultimately, you have to let your unique situation dictate which of the two housing options is better for you and your family.

Uncategorized Editor Mon, 20 Jun 2016 23:20:24 -0400
7 Parenting Strategies for Dealing with Defiant Children Parenting is not for the faint of heart, especially if you have stubborn or defiant children. You need to be prepared and more determined than your children are in order to help them get through the issues that arise. Having a game plan in place is crucial for your success and theirs. Consider incorporating these parenting strategies for dealing with defiant children.

Defiant, stubborn children tend to test your patience and parenting skills to the limit on a regular basis. This is just part of raising children, for the most part. All children go through at least two defiant stages ñ the "terrible twos," when they learn to say "no" and again in the teen years, when they say "no" as they practice making mature choices and decisions.

If your child has been diagnosed with ODD (Oppositional Defiant Disorder) by a doctor, you will encounter similar issues. However, there are differences related to frequency and severity due to the cause of the defiant behavior. This makes it even more important to have solid foundations, plans, and consequences in place.

Whether your child is going through one of the common defiant stages, dealing with ODD, or has another major issue, it's important to address the problem early. In fact, at the first sign of defiant behavior, model and teach your child acceptable ways to react and respond.

Here are 7 strategies to help all of you handle defiance issues successfully.

1. Build a solid foundation ñ It is never too early to begin teaching your children good manners, conflict resolution, problem solving skills, and social etiquette. The earlier you begin, the easier it will be for you and your children. Even before your babies are born, they are learning about the world around them ñ including actions, reactions, expectations, and consequences, or causes and effects. Don't be afraid to start building the foundation during the baby stage.

2. Establish boundaries, rules, and consequences ñ Establish boundaries and rules early. These should address your expectations for your children as well as your own conduct. When setting up consequences for your children, try to make them related to the specific issue. Write down the consequences so kids know what will happen if they choose to disobey or ignore rules. Depending on what your child responds to, you may restrict or disallow the use of an item, especially if it contributed to the infraction.

3. Master your self-control ñ Model a calm, cool, and collected attitude. Defiant children can be emotional and explosive. In order to deal successfully with children's outbursts, you must control your own thoughts, emotions, actions, and words. If you need to, take time to calm down before addressing the behavior issue. When you talk with your child, keep your tone of voice low, firm, and decisive as you discuss family beliefs, values, expectations, and rules.

4. Enforce consequences ñ When a child knows that consequences will not be enforced, they are less likely to follow the rules or stick to the boundaries. Your consistency in this matter will make a big difference. Donít allow your child to stay home when you go out, if they have abused the privilege. Make them go with you or stay with a relative instead of enjoying their freedom, while you are not home. When it comes to restricting the use of items, the loss of a cell phone, video game, computer, or television may be appropriate.

5. Donít give your power away ñ Defiant children want the last word. They also want you to give in to their wants and way of thinking. Refuse to argue with them. End the conversation on your terms. Let the air out of that balloon, so to speak. Don't let them wear you down. You have to be more determined than they are.

6. Refuse to bargain ñ Bargaining is a tool used by kids to get their way and get out of dealing with their responsibilities. No matter how they cry or complain, they must fix their mistake and then accept the consequences.

7. Reinforce the positive ñ Instead of giving attention when they do something wrong, praise and reward their positive behaviors. Point out when they do something well or made a thoughtful decision. Donít skimp on the positives if you want your child to model them.

Parents must take the time to plan and strategize when it comes to dealing with defiant children. As stated earlier, you have to be determined and consistent when it comes to dealing with your stubborn or defiant children. Make your plan and include one or more of these 7 parenting strategies with your defiant children.

Uncategorized Editor Thu, 09 Jun 2016 12:17:16 -0400
Moving In Together? How to Deal with Household Costs Moving in together with your partner is a big step in a relationship. It is also a big step in regards to finances. Moving in together can ease the burden on both of your wallets as household costs will more than likely be shared by both of you. Advance planning is necessary for a smooth transition.

Running a household can be expensive and there are many different factors to take into consideration. The first thing you need to figure out is whose name the utility bills are going to be under. Utility bills include water, heat, electric, and phone and cable service. If only one partner is on the lease, then his or her name will have to be on the utility bills. If both partners are on the lease, the utility bills can be in either name.

Splitting the cost of the bills is the usual way for unmarried partners. Each month, when the bills become due, both of you will split the total cost in half and one will be responsible for paying the bills. This requires attention to detail. Keep the bills where they are easily accessible so both partners can view the bill for themselves and keep track of expenses for the month.

Some partners choose to set up a joint checking account for the purpose of paying bills. Even with a joint checking account, it is always good to have only one person in the house handle the finances to prevent too many hands dipping into the proverbial pot. A joint checking account will allow both partners to keep an eye on the finances and track which expenses clear. One major bonus is that both partners have access to the account and can verify expenses and debits.

A joint checking account, however, is not for everyone. If you are not comfortable with this idea, then discuss alternate payment plans with your partner. You can always ask for your partnerís share of the bill when you sit down to pay them.

The only downfall to this is that your partner may not have the money readily available. If you do not have the money available to cover your partnerís share, you run the risk of paying the bill late and incurring penalties. Another potential problem is having a partner who does not pay their portion of the bill. In this case, it is important to have a discussion and work out a plan.

Moving in together is a big step and requires planning, especially in the area of finances. It is not necessary to combine incomes, but an adequate payment plan has to be set up to cover the rent and utilities. Both partners need to work together to successfully run the household finances.

Uncategorized Editor Wed, 25 May 2016 23:22:46 -0400