Monthly Archives: November 2016

Are You Stuck in a Financial Rut? Maybe These Solutions Can Help

Financial Quicksand in Salt Lake CityFalling down in a financial hole can really be troublesome and can cause you a lot of stress. It’s easy to be panicky during these times, particularly if the end is not yet in sight.

There are times when things do not seem to go your way and can quickly result in financial difficulty. During this time, you begin to panic knowing that the electricity and heating bills are already due, with mortgage obligations just around the corner. If you are in this situation at present, perhaps it is time to pause, take a deep breath, and think about your options.

See What You Can Do Away Without

Admit it. There are some unnecessary splurges that you may have, or still are, engaged in even during times of monetary difficulties. In an article posted on Lifehacker, you will see that even mundane things such as ice cream can be considered a splurge if you are in a financial rut. Try to identify them and cut them off your daily routine while trying to find ways on how to mend your fiscal situation. After all, you can always go back to them when times get better.

Start Your Own Part-Time Business

According to Yahoo Finance, you can always start a part-time business even if you are working full-time as an employee. If you have a little cash to spare, you can always engage in reselling items on Amazon or Ebay.

You can always apply for a personal loan to use as capital for your reselling business, says Loans For Less. If you have some designing skills, you could advertise online and offer a designing service.

Increase Your Income

The Internet has provided a lot of opportunities for countless people. It has even made some of them billionaires and millionaires. Although becoming one may be a farfetched idea for you, there are myriads of opportunities on the Internet that can quickly become an additional income stream. You just need to look hard and make sure you do not fall victim to scam opportunities out there.

Being in a financial rut is not the end of the world. Many people have been there, perhaps even in worst situations that you are in right now. Just remember, financial issues are perhaps the best problem that can beset you. Why? Because as soon as you come up with the money to resolve the financial issue, your monetary problem is instantly gone. Many people agree with this assertion. Perhaps you should too.

In Need of Extra Funds? Give Home Equity Line of Credit a Shot

Home Equity LoanHome equity loans are also known as a second mortgage, as they allow homeowners and investors to secure another loan by using the equity on their homes. This offered a way for consumers to work around their taxes. In 1996, homeowners used their home equity loans to work around the year’s tax changes. Homeowners can borrow up to $100,000 against their home equity for investments, allowing them to deduct interest payments in their tax returns.

Benefits to consumers

Wasatch Peaks Credit Union noted that home equity line of credit (HELOCs) are handy sources of additional funds. These are ideal for investments, starting a business, or for emergency use. It can also be for improving or repairing the house or acquire property. This is especially true for HELOCs because these serve as a ready source of funds, which have been pre-approved by the lending institution.

Home equity loan types 

Unlike regular home mortgages, there are only two types of home equity loans:

  • The most common type of home equity loan is fixed interest rates. Also known as fixed-rate loans, its computations are according to an interest rate that does not change for the duration of the loan.
  • Another type is the home-equity line of credit (HELOC). This an open line of credit where homeowners can withdraw funds up to a certain limit. It also has a variable interest rate. Unlike fixed interest rate loans, the variable interest depend on the outstanding balance (the amount of money withdrawn). This works like a credit card, and some mortgage companies also provide a credit card along with the HELOC. 

Fixed interest rate loan repayments have the same computation like any other mortgage loan. The loan has a term wherein the loan has to be repaid within the given timeframe. HELOC also has term, where the outstanding credit needs payment at the end of the term.

If you want a smart way to work around your taxes, then home equity might be the right choice for you. Seek the advice of a professional if you're still undecided.

Staying Healthy and Fit: Reducing Your Fat Intake

Healthy FoodWrong food choices or a diet high in fat can result in weight gain. This is because a gram of fat contains about twice as many calories per unit as proteins and carbohydrates. This is why shedding unwanted weight and keeping it off involves more than just eating foods low in fat. Watching the amount of calories you consume and minding portion sizes are also important.

Here are a few ways to control calorie and fat intake:

Know Your Food

It is easy to control your fat intake by reading nutrition labels or learning more about the foods you consume. Note that the dietary reference intake (DRI) for fat is 20 to 35% of total calories, which is about 44 to 77 grams (if you consume 2000 calories daily). If you normally eat saturated fat (food that comes from an animal), balance your fat intake by choosing non-fat or reduced fat products.

Control Food Portions

Family doctors in Orem note that foods such as pork, beef, lamb, and skin of poultry are high in saturated fat, raising your levels of bad cholesterol in the blood. This is why it is better to choose lean meats, poultry, and fish. You should also control protein portion, using the size of your palm or a deck of cards as a guide. Protein sources low in fat include tofu, dried beans, and egg whites.

Be Wise About Dressings and Dips

When choosing toppings or dressing in your salad, mono and polyunsaturated fat (plant-based sources) are the best choice. There include nuts, olives, seeds, and oil and vinegar dressing. You may want to avoid those high in saturated fats such as bacon, cheese, and other creamy dressing. It is also advisable to use guacamole, hummus, or Greek yogurt dips for corn tortilla chips or wheat crackers.

Cook the Healthy Way

When it comes to preparing your own meal, you can remove the skin from poultry or visible fat from other sources. The healthiest ways to cook include broiling, baking, and grilling meats using a rack to let the fat drips. Avoid frying if possible. You can also benefit from putting herbs and spices or a little bit of lemon juice on cooked veggies instead of butter or creamy sauces.

Fat may be labeled as bad, but there are certain types that are good for your health. You have to learn more about each type of type to choose your foods carefully and lose unwanted weight.

On The Rebound: How Trampolines Can Benefit Your Health

Girl on TrampolineMany scoff at the idea of using trampolines as a form of exercise. They think it’s only a game that children play. Well, they couldn’t be more wrong. Trampoline exercise is a great alternative to boring and tedious traditional gym workouts and it is considered to be one of the best forms of exercise for adults and even for kids. On the plus side, it’s also very fun. You get to hit two birds with one stone, staying fit and having tons of fun.

If you are still skeptical about trampolining and trampolines for sale in general, here are a few benefits that you need to know according to

It’s a Whole Body Workout

Trampoline exercise is considered as a full body workout as jumping engages every muscle in the body. Normally, you can only do a limited amount of squat jumps. Trampolines, on the other hand, allow you to keep bouncing without severe impact to your joints. Jumping up into the air requires you to move every part of your body. Yes, that includes your shoulders and biceps.

Lymphatic Drainage

The lymphatic system is a network of tissues and organs that circulates toxins and wastes out of the body. The lymphatic system, unlike the cardiovascular system, lacks a central pump; it relies solely on the body’s movement to pump the toxins out of the body. And since bouncing on a trampoline is a full body exercise, it may open and close the lymphatic valves at the same time, which increases the lymph flow 15 times more. And now you know why exercise is important.

Better Equilibrium and Improved Leg Strength

Walking 3-9 miles a day helps keep the connective tissue in the feet and ankles in shape. However, due to today’s more inactive lifestyle, it’s really difficult to exercise those tissues. Trampoline exercise is a great way to keep those little-used muscle group and tissues fit and moving.

Cardiovascular Fitness

Studies of sedentary, middle-aged women and active athletes have shown that with just a 30-minute trampoline workout, there is a significant improvement in cardiovascular fitness. The results, however, are not any significantly better or different from the more traditional treadmill workouts. But who would choose a boring treadmill workout over a fun trampoline exercise?

Trampolining is indeed an effective and fun way to exercise. But like any other workout, you should still apply caution as accidents could happen. It’s always a good idea to check first your health status if you are fit to use trampolines.

How You Dress Up Your Websites Determines Good Traffic

Web Design in UtahWhen you own a business, you have to do everything you can to beat the competition. With nearly 203,500 small businesses in Utah, you have so many hurdles to face. This is the primary reason a website is now a must-have for start-ups and small establishments, as this allows them to have a greater reach.

However, having a website is not enough to get the attention of your target market. You need to make sure it has all the extremely important elements that only Utah web design specialists have a complete understanding of.

Putting the Wow Factor

Even if your website gets a lot of traffic, it doesn’t automatically mean it does you good. Bad traffic is useless since this pertains to visitors that aren’t the people included in your target market. What you want is good traffic. Visitors that perform real action, like checking out many pages on your site or buying your products and hiring your services.

Before you can attain this good traffic, you should first capture their attention right away. While content is king when it comes to websites, its overall appearance remains the key to securing their interest first. This includes not only the layout and design, but also ease of navigation.

They Will Present Your Website the Right Way

The next key step to obtaining good traffic is to ensure you retain the visitors’ fascination on your site. You don’t just want people going to your site and exiting immediately after. One study shows that a person’s first impression of a site has a great bearing on whether they have favorable impressions of it.

This is why expert web designers make certain they present their clients’ websites in the best way possible, not simply to pique their interest, but maintain it as well.

Helping a Loved One Recover from Emotional Trauma

Helping a Loved One Recover from Emotional TraumaNot everyone can remain strong all the time. There will be people in your life that can be traumatized by certain events in their lives. If you have decided to be part of their recovery and wellbeing then consider these following factors and set them to heart.

Understand Their Condition

Emotional trauma is, in many ways, more subtle than physical or mental trauma. It does not always bear the typical immediate and recognizable signs that others can recognize physically such as bruising, bleeding, or slurred speech. However, emotional trauma can increase the need to become reclusive or averse to touch. They can even be easily incited to anger and violence with the most normal topics and situations.

Practice Compassion

When a friend goes through trauma, it can make life for those around them complicated and frustrating. Not all people are equipped to handle someone’s emotional highs and lows during these times even if they are someone’s parent, partner or best friend. If your loved one is undergoing a difficult phase in their recovery, practice compassion and silent strength instead of verbalizing what you feel can help. Unwanted advice, pithy sayings, and continually urging them to get over it may aggravate the situation.

Moving On Takes Effort

A person who suffers a lot can live a quiet and uneventful social life but suffer turmoil internally. Suicide rates are dangerously high as depression can also result from traumatic experiences. They find it hard to make major decisions and even the smallest trigger can set off violence or hysteria. Consider moving to another address as an option for your loved one if things go really bad. Research about real estate companies that buy houses for cash.

Transitioning from hurt to healing is different for each individual. Some can recover faster than others but time is always required for complete restoration. It is, therefore, vital that you don't give up on them and stay, no matter how difficult some days can be.

3 Bright Ideas for a New Year’s Office Party

New Year Office PartyThe New Year is almost here. You can almost taste it in the air. And everybody knows what that means: out with the old and in with the new.

Here are some clever ideas for your office’s New Year extravaganza:

Bowling Party

Who says an office party has to be in an office? You can bring your employees outside the workplace to enjoy a game bowling. Amazingly, even in New York, it’s still one of America’s top pastimes. But a big heck no to drab bowling shirts! Instead, take the excitement up a notch. You can ask your crew to dress up as characters from a TV show and have a bowl while doing your best Walter White impression. For big parties, check out Bowlmor Times Square, and party at its massive 90,000-square-foot alley.

Lip Sync Battle

Karaoke is fun, but this one’s better. Ask your employees to split up into teams, and get your competitive spirits going with a Lip Sync Battle-like performance. The winning team gets a prize – maybe front-row tickets to a ballgame. What makes this type of event so fun is that it becomes a team effort rather than a one-man/woman show. While it’s always fun to see your colleagues crack up on stage, you can also hire corporate event entertainment to handle the in-between performances, Bounce Music & Entertainment suggests.

Spartan Training

In the past years, it’s been all about health and wellness in the workplace. And with all the holiday treats you consume, a fitness-themed New Year’s party sounds like a good way to get rid of extra calories before the clock strikes 12. Forget Zumba and Yoga parties, and go for Spartan training – or maybe a cleaner, simpler and less challenging version of it. You can rent a gym and convert it into a mini Spartan training hall, complete with activities that your colleagues can join. It’s a great way to squeeze in a workout during the busy holiday while still hanging out with your peers from work.

Get the Party Started

Forget about potluck lunches and wine tastings. There are other exciting party theme ideas you can try. What’s important is that you think outside the box and yes, even take the party outside the office walls.

Safe and Sound: Keeping Your Swimming Pool Safe for Everyone

Backyard Pool in AucklandBackyard pools are excellent for exercise and recreation. If you have kids, however, the pool can become a dangerous place without the proper safety precautions.

Cover It Up

Install a pool safety cover over your swimming pool when it’s not in use. These are different from winter or summer covers. A pool safety cover should be able to hold almost 500 pounds of weight every five square feet. Safety covers are fastened on the deck around the pool. There are two main types of safety covers. Mesh covers need little maintenance as they let snow or rain pass through. However, a little dirt and debris can pass through the cover. Solid covers may accumulate dirt and puddles over it.

An advantage of pool safety covers is that it is quite unobtrusive, allowing your backyard to keep its view. It must always be fastened over the pool properly to make sure it does what it’s supposed to. Keep in mind, too, that partially covering your pool can allow someone to get trapped underneath. It may then be difficult for them to get out without assistance because of the weight of the material.

Fencing It In

Another option is to erect either permanent or removable fencing around your pool. These will keep your children and pets from getting into the pool area unsupervised. Pool fencing can come in different materials like glass, wood, vinyl, and chain link. Your pool contractor should be able to provide you with fencing or refer you to someone who can install them whether you live in Auckland or Queenstown.

For this option, you may want to consider how it will affect the view of your backyard. Decorative wood can be pretty to look at while glass provides an almost invisible barrier around your pool.

Never leave you child unsupervised while at the pool no matter how competently they can swim. Make sure that everyone follows pool safety rules and keep rescue equipment nearby. Remember that all these are merely precautions. Keeping everyone safe is still in your hands through education and caution.

What Is Hydro Excavation? Here’s What You Need to Know

Hydro Excavation in Salt Lake CityIn some cases, the traditional methods for soil, gravel, dirt and water removal with a large extractor may become unsafe and impractical. This may cause pipeline exposure and even damage to some utilities. That’s why hydro excavation has gained immense popularity over the past years.

Actually, hydro excavation began as an idea for a machine to pump out septic systems and clogged drains. Today, the use of vacuum trucks has developed into more complicated works. The flexibility of these trucks has made it one of the most in-demand equipment in various industries today.

What Is Hydro Excavation?

Hydro Excavation is a process wherein high-pressure water is used to loosen up soil, clay, gravel, rocks and other materials on the earth’s surface with it is sucked up into a debris tank. This may lead to a clearer view of the land or soil you want to examine or build something into. It has provided a non-destructive way to safely locate pipelines and utilities or safely excavate an area.

Why Is It Important Today?

Of course, one of the major benefits or the importance of this procedure is that it may reduce the risk of possible damage to underground utilities. Aside from that, however, this process may also prevent injuries to the workers and reduce the risk of liability issues.

Moreover, Enviro Care Inc. shares that hydro excavation may lead to the safe removal of earth by water, vacuum pressure and air. Hydro excavation in Salt Lake City also makes it possible to remove earth materials faster, minimizing damage to the area. Lastly, it does not destroy or damage to the landscape and less time to restore the land to its original condition.

Hydro excavation is a safe method of surgical excavation. This may lessen damage and injuries related to digging up soil and debris to check on utilities or pipelines. Thus, many companies prefer this procedure to make sure the land will incur less damage, avoiding certain liabilities.

Sticks and Stones Break Your Bones; Painful Words Break You

Divorce Attorney in Colorado SpringsThe old saying claims, “Sticks and stones may break my bones, but words will never hurt me.” For a while, it may be applicable to you, but not in the long run.

Spouses will always have an exchange of unpleasant words, especially during arguments. But in some cases, one of the spouses puts up with the endless curses and degrading remarks. The constant abuse with words proves that its effect is just as bad as being physically hit.

There’s a reason most of Colorado Springs' divorce attorneys recommend separation due to verbal abuse. Here’s why:

Torn Up Self-Esteem

Verbal abuse negatively affects anyone’s self-esteem to the point that the abused spouse believes he or she is worthless, ugly, and no one could put up with him/her. Even if the abuser claims they did not mean to inflict the verbal wounds, the damage has already been done.

Manipulative abusers would reason that their abused spouse is too sensitive, which stirs doubt. They think, “Maybe, it’s my entire fault. I shouldn’t be too touchy next time.” Eventually, whenever the verbal abuse begins, the abused spouse will think they will never be good enough, which causes further damage to their self-esteem.

Enduring the Slow Torture

Verbal abuse often ends up two ways: the abused spouse leaves or stays. The former seems like the obvious option, but some spouses choose to put up with the abusive behavior. They determinedly stay, trying to make it work no matter how much the words hurt. In their opinion, their spouse will eventually change—all they have to do is wait.

In some cases, waiting works, but in most, it’s not a guarantee. Nothing the abused spouse asks or says can change the relationship. It’s an issue of control and drastic changes.

Individuals in such relationships have the choice to stay or leave; it is completely up to them. If words will never hurt in the same way stones do, they can wait for a change. If the change does not come, however, they are free to change their circumstances.