Recent statistics have shown that stalking is on the rise. Do you have a stalker? If so, then this is not a nice situation to find yourself in, but you must realize that there are steps you can take to end the nightmare.
Here are 5 tips to protect yourself from a stalker:
Find out who they are
Still not sure who your stalker is? If they have called your house and you have their number, then you might want to consider doing a phone number lookup search to find out their identity. This does cost a small fee, but it is well worth it once you find out their details.
Make it hard for a stalker
A stalker will watch you closely to find out what your routines are. They will then try to follow you at every opportunity. Stop them in their tracks by confusing them. How do you this? By varying your routines and not becoming predictable. If your stalker never knows where you are going to be, then they will probably end up leaving you alone.
Be aware of your surroundings
The time when you are in most danger is when walking the streets. With this in mind, always be aware of your surrounding, and never take shortcuts through dark alleys or deserted streets. Try and keep to main streets where there are lots of people and everywhere is well lit. Also, when you are in the car, make sure you keep the doors locked at all times, even when you are driving.
Record everything that happens
In order to build a case against your stalker, it’s a good idea to record everything that happens. This means recording events into a log book, and also using techniques such as recording phone conversations and filming the stalker if they appear outside your house. Also, keep a copy of any email or Facebook messages that your stalker sends. Recording every little detail is essential for building up a case against your stalker, so if the police get involved you have a lot of evidence.
Contact the police
In many stalking cases, the police are powerless to do anything. Sure, they might be able to have a quiet word with your stalker, but unless they do anything illegal then they can’t make an arrest. However, that doesn’t mean you shouldn’t contact the police to let them know about what has been happening. Keep them in the loop on a regular basis, and eventually they might be able to do something about it.Read More
When short term money problems hit you out the blue, sometimes the only way to find a solution is by applying for a cash advance from a reputable lender.
Interested in finding out more? Check out these 6 awesome tips…
Bad credit? No problem!
Thankfully, the vast majority of loans for people with bad credit lenders have no problems with supplying bad credit loans to people with a less than perfect credit rating.
For this reason, you should feel confident applying for a cash advance, no matter what your situation.
Beware of hidden charges
While cash advances can be a life saver, that doesn’t mean they are totally innocent. For example, did you know that if you were to miss the payment deadline, then you could be subjected to hidden fees?
Because of this, always read the small print before signing on the dotted line, so you know exactly what you are getting into.
Build a relationship
Let’s face it, you will probably need the help of cash advance multiple times in the future. With this in mind, it’s a good idea to build a solid relationship with one lender, so being approved is easier in the future. You might even qualify for lower interest rates.
Contact the lender
Taken out a cash advance but can’t repay the money by the deadline date? In this kind of scenario, you should contact the lender as soon as possible so you can explain the situation.
Despite what many people think, cash advance lenders are not the enemy. This means there is a high probability they will work with you to find an alternative payment solution.
At the end of the day, a cash advance loan is not the only way to get funds into your bank account.
As an example, why not ask your employer for a payday advance? Or speak with family and friends about a small cash loan? There are many different alternatives that are worth considering.
Fill-out the application truthfully
Cash advance application forms are not complicated, and in most cases, they only require a few basic details about yourself.
However, please be aware that you should always fill-out the application truthfully. Even just a small lie could jeopardize your entire application, and lead to you being rejected. Don’t take the risk, it’s not worth it.
As you can see, there are many different factors you need to consider before applying for a cash advance. If you follow the information above, then you shouldn’t encounter any problems.Read More
However, due to the many Google updates that appear every few months, this way of approaching the SEO game no longer works. With this in mind, it’s essential that you read the following 4 SEO tips so you can keep up-to-date with the changes, and more importantly, earn more money.
Make your website easy to navigate
Visitor retention is now more important than ever. If your website gets a high number of bounces, then Goggle won’t rank you very high.
For this reason, it’s important that you learn how to design websites that are easy to navigate and have fast loading times. Visit the following resource for further information – how to start a website
Make a budget
A common mistake made by many website owners is spending too much money on one particular service. Sure, backlinks are important, but you need to keep in mind the other factors which contribute to a website that will be ranked high by Google.
For example, take into consideration things such as article writing, copywriting, plugins and other tools, and web design costs.
Keyword research is crucial
Performing in-depth keyword research is a crucial factor in the SEO game. The majority of website owners simply target the big keywords, but at the end of the day, this is what everybody else is doing.
As you can imagine, the competition is fierce! If you want to earn money from the SEO game, then you should also aim to target long tail keywords with your articles and posts.
Luckily, there are many different keyword research tools out there, so you can easily find thousands of keyword with the click of a few buttons. Never underestimate the importance of keyword research.
Hire an SEO firm
If SEO makes you more confused than anything else in your business, then your time is probably best spent elsewhere. In this situation, it’s a good idea to hire an SEO firm to do all of the hard work for you, so your mind can focus on more important things.
Just be aware that a quality SEO firm doesn’t come cheap. Ultimately though, you get what you pay for, and if paying a little bit of extra money gets you top rankings for desired keywords, then it will all be worth it in the end.Read More
Here are 5 mistakes to avoid when buying a house:
Choosing the wrong lender
Before you start your VA Home Loan Application it’s important to choose the right lender. Let’s face it, there are many lenders out there, but how many can actually be trusted?
For this reason, always do your research before making a commitment, as choosing the wrong lender is a huge mistake.
Shopping out of your price range
Sure, you might be in love with that 6 bedroom house on the other side of town, but you need to be realistic with yourself about whether or not you can actually afford it.
The best way to find out for sure is to get pre-approved by a lender before you actually start looking at houses. This way, you will never waste your time viewing properties that are out of your price range.
Not comparing lenders
Did you know that interest rates, fee structures, and terms, can vary from lender to lender? With this in mind, it is a huge mistake not to compare lenders before signing your name on the dotted line. Just a few hours of research could save you thousands of dollars over the coming years.
At the every least, you should compare around 5 different lenders to get a better idea of what is available.
Choosing the wrong neighborhood
You have to be objective when buying a house. Sure, you might fall in love with a particular property, but if it is in the wrong neighborhood then you could be about to make a huge mistake.
For example, have you checked the crime rates for the area you are thinking of living in? Is it close to where you work and are there local schools? Is there development in the area, or are businesses looking to move away? These are all factors you should consider when choosing a neighborhood.
Paying too much
Ultimately, house prices are fluctuating constantly. For this reason, you should always be cautious about paying too much for a property, as this could lead to you losing money in the future when you want to resell. Try and consult with as many experts as possible before making an offer.Read More
The harsh truth is that the vast majority of artists and bands are broke and struggling to put food on the table. Make no mistake about it, if you want to be successful in the music business then there is a hard road ahead of you.
Not many people experience overnight success. In fact, you probably have more chance of winning the lottery, so make sure you buy a ticket.
Here is the reality of becoming successful in the music business:
Ultimately, if you are not that talented, then your chances of making it are slim to none. If your voice sounds like a screeching cat or your guitar playing makes Jimi Hendrix turn in his grave, then stop kidding yourself right now.
Go find something that you are actually good at, instead of wasting your time in cloud cuckoo land.
Move to LA or New York
Want to be successful in the music business, but don’t want to leave your small town of 1100 people in Montana? Then you have a problem.
At the end of the day, all of the movers and shakers in this business are located in the big cities. For example, once you move to a place like LA, then you will have no problems in finding an LA music video producer to create a professional image for you and your music.
Realize this is a business
Do you really think this is all about the music? Sure, you need talent, but the missing ingredient for many wannabe music artists is “business sense.”
You could have the best songs in the world, but if you don’t have the first clue on how to market your product (you), or you sign a contract that strips you of all your rights, then your music career is going nowhere fast. Always remember that this is a business and not just a hobby.
Start at the bottom
Quite possibly the best way to get your name out there is to start playing live shows. However, if you have visions of stepping on stage at Madison Square Garden or Wembley Stadium then you are in for a huge shock.
The stark reality of playing live shows is that you will need to start at the bottom. This means playing small bars and clubs, where often barely anyone is paying you any attention. If you think this kind of work is beneath you, then your career in the music business won’t get out of first gear.Read More
You see, more and more singers and bands are going down the DIY route when recording an album. Forget about buying expensive equipment such as Protools, hiring fancy music producers, and making everything complicated.
Instead, keep it simple, focus on writing good songs…and then record the album right there in your basement.
Make a rough demo
Once you have some ideas for songs, record them as quickly as possible on a rough demo. This doesn’t need to be perfect, it just needs to give you an outline for your recording sessions.
When you’ve recorded a rough demo, keep rehearsing the songs until you fully flesh them out. By now, you should start to get a good idea of which are your best songs. These will be the songs you record first.
Buy cheap recording equipment
As mentioned earlier, you don’t need expensive tools or software to record a hit album. In fact, the best forward is to look for second hand equipment, such as microphones and 8 track recording machines.
Also, there are cheap software programs that you can buy online, which help in the post production process. Once you have enough equipment, it’s time to take action.
When you are on a low budget, the key is to be fast. Instead of spending 12 hours a day recording and making everything complicated, get in there and get the job done.
Sure, it won’t be perfect, but it will capture the raw energy of your music. Be as fast as possible, and you might be surprised at how well everything turns out.
Once you have the record on tape, the next step is to get your music out there. Contact record companies, play as many live shows as possible, and use the internet as a tool to gain new fans.
If you keep plugging away, then things will start to gain momentum, and in no time at all your music career might be ready to takeoff.
The key is to be consistent. Don’t expect to just do a couple of things and then have record companies banging at your door. Spend time every single day promoting your music, make as many contacts as possible, and always be working on improving your skills. Good luck!Read More
The producers of GTA have really hit the nail on the head with the 5th version of the popular game. GTA 5 has sold millions of copies since its release, and many critics are calling it the greatest game ever created.
Thanks to the “open world” technology, GTA 5 features a huge city, that would literally take you weeks, and even months to fully explore. Because of this, it’s very easy to lose your way when playing the game, and even get stuck on some of the missions.
With this in mind, here are some GTA 5 hints to feast your eyes on.
One of the most essential parts of the game is your bank balance. Without any money, you can’t fully experience all that the city has to offer.
For this reason, earning money should always be at the forefront of your mind. You can buy real estate to increase your net worth, and even take a gamble on the stock market.
If all else fails, then you could take the easy route by finding some Money Cheats for GTA 5 on the internet.
A nice little feature in GTA 5 is that you can play as different characters. Not only does this increase the amount of missions available for you to play, but it also speeds up the storyline, meaning you have a better chance of completing the game. Switch characters often and you will become a GTA 5 master in no time at all.
Practice makes perfect
Make no mistake about it, some of the missions found in GTA 5 are very difficult. Your chances of completing them on the first try are very slim, unless you are some kind of video game expert who spends all their time locked away playing games.
Because of this, you should adopt the motto of practice makes perfect when trying to complete a mission. At the end of the day, you have unlimited attempts, which means you don’t lose anything by sticking with it until the mission is finally completed.
The map is your friend
One of the best GTA 5 hints to remember, is that you should pay very close attention to the map on a regular basis.
The reason? Because random events are happening all of the time, and these will be displayed on your map for a certain time period. If you are quick, then you can take advantage of these events to gain more money or power in the game.Read More
So you know the importance of keeping your home, your family, and all your personal property safe and you’ve decided you want to have a home alarm system installed. You’ve taken the first steps in the right direction, but you may be worried that where you live is so far off the beaten path that there’s no way you could ever get your home wired for a home alarm; the good news is that no matter how remote the area you live in, you’re almost guaranteed to find a company to help you.
Local Installation, National Service
Just because you’re not in a major metropolitan area doesn’t mean that you can’t benefit from the installation of a home security system. In fact, you might not even have to go with a regional provider either; there are many ways to ensure that your home is monitored by one of the large, well-established and highly respected security companies that have been around for decades, even if you live out in the relative wilderness.
As long as you’ve at least got electricity and a land line, that’s all you’re going to need to get even the most basic of monitored security systems. Even the most remote homes situated in the wilderness have modern amenities like grid power and an old-school telephone line, which can connect you remotely to your monitoring station and offer you the protection a home alarm system warrants.
Go With the Pros
It may be tempting to use a local company that offers rudimentary home security monitoring in your area, but if you’re uncomfortable with the idea of not being able to use a more established home alarms company with the experience needed to provide the best levels of service for your home and your family. In fact, most national companies have locally-based authorized installation and maintenance services that can tie you into their main monitoring systems. For example, if you live in Oregon it doesn’t matter if your home is in the Portland suburbs or right in the middle of the wilderness – there’s bound to be a local provider that’s affiliated with a national company within range of your home.
The best place to look for Oregon ADT Alarms, for instance, would be a specialized website that has strong ties with ADT and works together with the company to provide authorized service and installation. A national company like ADT relies upon authorized dealers and service providers to help manage its vast home monitoring network, and it’s the accessibility of these authorized dealers through the use of the internet that makes it so easy to gain the knowledge and information you need to make the decision to go with one company over another.Read More
The insurance market is a cutthroat and highly competitive industry, with insurance providers doing their damnedest to insure that they grab as much market share as they can and turn as much profit as possible. While this does tend to keep premium prices down for the most part – at least when it comes to new customers – you should almost never adopt a philosophy of complacency when it comes to finding the best insurance deals you can; here are a few reasons why shopping around can benefit you in the long run.
Most Insurers Don’t Reward Loyalty
Insurance providers have short memories when it comes to their customer base. If you’ve been a customer for several years through many policy renewals you may think you’ve earned your insurer’s gratitude, but that may not be the case; providers in many insurance sectors are much more concerned with landing new customers than they are with the happiness of their long-term ones.
The car insurance industry is especially notorious for their actions in this regard. Car insurers reserve their best and most affordable premium pricing plans to act as an enticement for new customers to the point where their prices are so low that they’re barely a profitable arrangement. In order to offset this, car insurers will often raise the rates on their existing customers when it comes time to renew in order to keep the company in the black. This spells bad news for any customer who doesn’t switch insurers every few years, as those that stick around through some misguided sense of loyalty are actually punished for their decision.
It’s Easy to Shop Around
Unlike how it used to be in years past, it’s no longer difficult or time-consuming to shop around for the best deals. Thanks to the rise of the internet – and in particular the price comparison website – the days of going to each of your prospective providers in turn to ask them about their products and services and then comparing each one to the other in your own time are blissfully over. Now, all you need to go is to go to a price comparison site and all that work is done for you.
You can find all sorts of deals on price comparison sites, whether you need to find a new bank account with a better rate of return on a banking comparison website or if you need to compare landlord insurance with UK Landlord Insurance.com, the website you need to make your decision quickly and with the knowledge that you’re getting the best deal you can is right at your fingertips, sometimes as close as a rudimentary Google search.Read More
So you’ve been living with back pain for years, and you’ve tried everything you could think of to fix the problem. Whether it’s hanging upside-down like a bat, painful injections, or even using a TENS unit muscle stimulator to work those kinks out, nothing seems to work – could it be that your problem may not be physiological at all but something else?
You’re Not Crazy – You Might Just Be Stressed
If you lead a high-stress life, this could be a major source of your back pain. It may seem counter-intuitive to consider being constantly exposed to stressful situations as the reason your back throbs when you get up every morning, but the possibility can’t be discounted.
Even if your stress is in the form of purely psychological trauma – whether it’s trouble with your family or with a particularly irascible boss or co-worker – the truth is that being under emotional and mental duress for long periods of time can and does indeed impact your health. When we think of the psychological effects of chronic stress, we usually talk about depression, anxiety and insomnia, but your body responds physically to high stress levels as well. The brain releases several different hormones under times of stress, and when you spend weeks or even months under a constant barrage of unpleasant situations these hormones can cause all sorts of deleterious effects on the rest of your body, easily causing physical symptoms such as fatigue and pain.
If you’ve tried everything and nothing seems to work, consider embarking on a course of guided meditation and relaxation with an eye towards releasing and managing all that stress you’ve been under. Doing so may result in the easing of your aching back!
You Are What You Eat
Another culprit when it comes to your back pain may be from a very unlikely source: your diet. We mostly associate ailments such as diabetes, heartburn, and irritable bowel syndrome with an unbalanced diet, but the more medical research looks into the possibility of certain foodstuffs having an adverse effect on your body’s pain levels the more evidence emerges that these researchers just might be on to something.
It turns out that several types of foods, especially those that have been heavily processed or that are high in fat, more easily cause intestinal inflammation than other types of food. Unchecked inflammation can spread to other areas of your body such as your joints and lower back, and it’s not until you cut foods like that out of your diet – or at least scale back your consumption of these types of foods – that you can say for certain that you back problems aren’t being triggered by something you eat habitually.Read More
If you own your own company, it’s always a struggle when it comes to growing your business in the face of competitors, adverse market conditions like skills and material shortages, and the volatility of the economy. However, there are several steps you can take to maximize your profits and keep your business in the black.
Control Your Costs Responsibly
It may seem like a no-brainer, but your business won’t be able to stay afloat unless your incomes are higher than your outgoings. This means you need to control your costs very closely, but there’s more to it than just refusing to hire more employees or going with the most inexpensive option every time.
There are some constants when it comes to cost-cutting measures that work and those that don’t. Payroll is one of the biggest expenses for most companies, but you can’t let all employees go and do everything yourself if you want to grow your business. If you can’t afford to hire more permanent employees, consider using freelancers or contractors on a per-project basis, as you’re only paying for the amount of work you need and nothing more. Likewise you need to make sure that that low-cost option you’re using for inventory or services is going to be of a high-enough quality so as to not interfere with the course of your work – it’s a better financial decision to pay a bit more for quality instead of incurring more costs because of defective products or faulty software.
Grow With the Times
The business world is in a constant state of flux, and the best businesses evolve and adapt with the market. It can be a risk to be an early adopter of a new practice or technology, but taking measured risks with an eye towards remaining ahead of the curve when it comes to your chosen profession will grant your company longevity – and that will translate into better profits as demand for your company grows.
Keeping you and your staff trained on the newest industry developments is a large part of this. Even if you’re uncomfortable with adopting innovation, you’re still going to need to keep your work force’s skills current and up to industry standards, and investing time and money into their continued education and development is crucial. No matter what business sector you’re involved in there will be opportunities to continue your training; a prime example of this is the excellent opportunities building contractors can get by using resources on new green and environmentally friendly construction techniques through Ploughcroft or other related training companies. Remember: it’s not a cost but an investment in the future!Read More
However, you need to prepared before you enter the wild, so you can get the most amount of enjoyment out of your trip.
Here are 7 quick tips for camping in the wild:
First aid kit
Never, under any circumstances, go camping in the wild without a first aid kit. At the end of the day, there are many first aid kits out there that are both affordable and lightweight.
A nice little trick to save time while camping in the wilderness, is to pack your sleeping bag towards the bottom of your bag. This way, you won’t have to be constantly taking it out during the day when you need something else.
Nobody knows what lays just around the corner. You could find yourself thrust into an emergency situation when in the wild, which is why you need to be fully prepared. Make sure you put together a survival kit, with items such as blankets, flares, medications, and extra clothing.
Learn to start a fire
What happens if you lose your matches or lighter? When camping in the wild, generating heat at night is essential, which means you must be able to start a fire from scratch.
There are many good video tutorials online that show you how to do this. Once you learn the basics, practice on a regular basis until you can start a fire with your eyes closed.
Pack a head torch
A valuable piece of kit on a camping trip in the wild is a head torch. For example, if you need the toilet during the night, then a head torch will allow you to easily see in the darkness.
Be careful of bears
There is always the danger of coming face to face with a bear when camping the wild. While you can’t eliminate this danger completely, there are certain steps you should take to minimize the risk.
As an example, don’t leave food around your tent or fire during the night. Instead, put it into bags, and then hang it on tree away from where you are sleeping.
Camping in the wild should be an enjoyable experience for everybody in the family. Sure, there are dangers, but as long as you take the necessary precautions, there is no reason why you can’t have fun and gain memories that will last a lifetime.Read More
It’s no picnic keeping a car on the road right now, what with the price of fuel creeping ever upwards and the car insurance market constantly in flux. Still, there are ways to control your costs when it comes down to it; here’s a few excellent ideas to save more than just a few pennies here and there.
Keep Your Eyes on the Road
As important as all the other parts in your car are – engine, fuel tank, brakes, exhaust – there’s only one thing that actually touches the road. Well more accurately there are four things, and they’re located in each corner of your vehicle: the tires.
You need to check your tires regularly to make sure that their treads haven’t worn down to the point where they need replacement. Bald tires aren’t just illegal; they won’t hold the road when it’s wet or slippery out, and you could go right off into an embankment – or worse yet another motorist – and it’s going to cost much more to get your car repaired than it would have been to just get all four of your tires replaced.
Not only that, but checking your tire pressure periodically is also important in keeping your costs down. Tires that are under-inflated cause your fuel efficiency to plummet, which means you’re going to be spending more money on refueling than you would otherwise. If you want to avoid some pain at the pump, make sure your tires are within the recommended pressure according to the manufacturer.
Don’t Discount Your Insurance Costs
Many people think that since you’re required to have car insurance before you can legally drive your vehicle, there’s little you can do about the incredibly high premium prices insurers are charging you. In fact, all too many drivers don’t even look around for a better deal when it comes time to renew their insurance and instead decide to remain with their current provider, perhaps out of some false sense of loyalty. However, this is possibly the worst thing you could do if you’re looking to save money on your car costs.
The insurance industry is not built around rewarding its customers for loyalty. In fact, staying with an insurer through thick and thin earns you nothing but steadily increasing insurance costs year in and year out while that same insurer’s new customers are given the best rates; your high premiums are essentially paying for their low ones.
Meanwhile it doesn’t have to be this way. There are so many car resources out there available on the internet that you can easily find a better deal for you, one that offers you the same amount of cover for less. If insurers aren’t going to reward your loyalty, then you owe them nothing; don’t let them take advantage of you.Read More
Don’t take the risk!
Instead, read the insider information below that has been compiled by our experts.
The leading home security company in the entire country is Protect America. Millions of people use their products and services on a daily basis, and there are many positive protect america reviews on the internet. With this in mind, you can feel confident giving them a try.
Change the locks
Just moved into a new home? If this is the case, then the first thing you should do is change the locks. At the end of the day, you don’t who else has a set of keys, and they could easily let themselves in once you are out of the house. Call a locksmith right away to get the job done.
Lights with timers
All of out insider experts agree that you should use lights with timers if you are going to be away from the house for a few days or weeks. This means it will appear like someone is in the property, and will reduce the likelihood of your house being robbed.
Key under the plant pot
While a key under the plant pot might help you when you’re locked out, it actually poses a serious threat to your home security. The first place a criminal will check is under the plant pot, and if they find a key, then you have just made their job very easy indeed.
Get locks for your windows
House burglars are usually very agile, which means they can climb up to windows on the 2nd or 3rd floor. For this reason, make sure that you get locks for all of your windows. Never assume that because a window is high up, a burglar won’t be able to get in.
Install a camera
In this modern day age of technology, security cameras are now widely available to the average man and woman. In fact, you can buy security cameras very cheaply online, and then perform the installation in a under an hour.
Look at your house objectively
Want to make your house as secure as possible? Then you need to think objectively about any potential risks or flaws in your security system. Walk around your property and put yourself into the mind of a potential thief.Read More
If you’re in need of legal advice, there are so many law firms out there ready and willing to take your business that you could easily become overwhelmed simply by the choice you have to offer. It’s not easy to know how to find the best firm that fits your needs, so here are a few things to keep in mind while you’re on the hunt.
Know your Rights Before You Walk Through the Door
Even before you walk through the door of a law firm, make sure you know exactly what your rights are when it comes to bringing a claim. For instance, in the world of personal injury law you should never be expected to pay a legal team even a single penny before they begin work; this is because the personal injury sector revolves around the concept of a conditional fee arrangement, often called a no win no fee arrangement.
The concept behind no win no fee is that you aren’t expected to pay anything to your law firm unless they win the case for you. It’s standard operating procedure for the personal injury sector, and if you encounter a no win no fee solicitor that says they need money up front, do not under any circumstances hand over any money, as you’re essentially giving up your right to have your legal rights represented without any initial cost to you.
Don’t be Tempted by Claims Management Companies
As important as it is to make sure you’re not getting involved with someone who’s going to charge you before they even undertake any work for you, it’s also crucial to understand the difference between a law firm and a claims management company. Both claims management companies and law firms largely do the same thing – they represent clients and pursue personal injury compensation awards for them – but they differ in a very fundamental philosophical manner.
Claims management companies have been criticized for being more concerned with their own bottom line and not the wellbeing of their clients, and many have been accused of bringing spurious claims simply to maximize the amount of lawyers’ fees they can generate and then charge to their successful clients. This means that a claims management company is likely to be bringing tens or even hundreds of claims at once, relying on quantity of cases to make their money rather than quality of service, and this will lead to your legal team more interested in making a quick buck off you than advocating for your legal rights.Read More
Going away to college can easily cost you an arm and a leg, and often these costs come from directions you never expected. Whether it’s tuition, housing, the cost of textbooks, or even travel from school to home and back, the amount of money it takes to forge a successful college career can be mind-boggling. Here are three ways to cut your costs while at college, hopefully keeping a few bucks in your wallet and out of the gaping maw of your school’s coffers.
Never Pay Retail
If you’ve never bought a college-level textbook before, you’re going to be in for a nasty shock: the cost of a semester’s worth of books can easily be anywhere from $500 to $1,000, and that’s on top of whatever you paid for the classes themselves! The textbook industry has colleges and universities in the kind of stranglehold that bilks millions from helpless students every year, but you don’t have to fall prey to the college textbook trap.
Instead of buying your textbooks brand-new, buy them secondhand whenever you can. It doesn’t matter if you get them from the a bookstore, the internet, or a friend of yours that had the same class last year – do whatever you can to not spend ridiculous amounts of money on overpriced textbooks. If all else fails, ally yourself with one or two other people in your class and all chip in towards one book that you can all share together. This can see you paying a fraction of the costs you would otherwise!
Get a Job, Man
Believe it or not but you’re going to have plenty of time on your hands after you’re done with your studies, even if you’re going to college as a full-time student. In your off hours instead of sleeping in or staying up late, think about finding a part-time job somewhere nearby campus, or even something you can do from your dorm room or apartment.
Between the countless fast-food places that spring up around any college town, the need that underclassmen have for tutoring or even just working over the internet for any number of companies, you can make a good amount of pocket change that you can use towards your daily expenses. If you make enough you might even be able to put some towards your tuition.
Don’t Go Into Debt
Finally you might be tempted to take out student loans to provide you with not just money for tuition and books but also to pay the cost of room and board. However, there are alternatives to racking up debt like that – in fact you can get a few ideas simply by visiting a website such as Grants4College that goes over how to secure free grants that can spell the difference between having to eat microwave meals for four years straight or being able to afford real food!Read More
You may not think that it’s good for much more than a salad dressing, but apple cider vinegar is just bursting with amazing benefits. Here are three ways that you can improve your life simply by incorporating a little bit of this wonderful food item, sometimes in ways that may leave you more than a little surprised!
Bin Those Harsh Cleaning Chemicals
If you’re health-conscious, you most likely don’t like having to clean your house with harsh, caustic chemicals. All-natural, non-toxic soaps can be expensive and hard to get, but there’s an inexpensive answer to that problem, and it’s right in your cupboard.
Odor-absorbent and naturally containing antibacterial properties, apple cider vinegar can be used as a safe, non-toxic cleaning agent that can do wonders in keeping your kitchen counter, dining room table, and even your floor sparkling. Simply dilute some apple cider vinegar with equal parts water and fill your favorite spray bottle; you’ll notice the difference almost immediately.
Healthy Hair and Skin? You Bet!
Suffering from dry, brittle hair from overuse of hair care products? Mix a few tablespoons of apple cider vinegar with water and rinse your hair with it after you bathe and you’ll find your hair will have that lustrous sheen back again in no time thanks to the pH-balancing effects of apple cider vinegar. If you suffer from dandruff you may notice your scalp feeling much better as well, thanks to apple cider vinegar’s astringent qualities!
Apple cider vinegar is also wonderful at keeping the rest of your skin clean and healthy. Using it as a face wash – either diluted or even at full strength – will firm up your skin and keep your pores clean, reducing the type of oil build up that leads to heartbreaking and painful acne.
There’s something especially wonderful about using apple cider vinegar in your diet, as it can help you stay healthy inside as well as outside. Apple Cider Vinegar is especially adept and treating stomach issues thanks to its pH-balancing properties. In fact, many all-natural stomach aids such as Heartburn No More use apple cider vinegar as one of their primary active ingredients.
More importantly, apple cider vinegar is excellent for regulating blood sugar levels in your body. This is especially important for anyone trying to lose weight and get fit, as hunger pangs are quite often the hardest hurdle to overcome when it comes to any dietary plan. More stable blood sugar can help you feel less hungry over longer periods of time, not to mention prevent the kind of peaks and valleys you can encounter when your blood sugar levels are too high or low. Don’t be afraid to add a tablespoon of the stuff to your tea or even just a glass of water, and enjoy the health benefits inside and out!Read More
It seems that every week prices are rising, and if you are on a tight budget then it can be hard to make ends meet.
Fortunately, you can pay attention to the 5 money saving tips for women below…
You should try and shop online as much as possible. The reason? Because the prices are typically much cheaper than you can find elsewhere.
For example, by shopping at BeautyandGlamour.net you will save a lot of money on items such as perfume and beauty products.
Learn how to cook
Let’s face it, going out to restaurants and ordering takeaway soon starts to mount up. With this in mind, you should get a few simple cook books and then learn how to cook.
With only a little bit of money, it’s possible to whip up some tasty dishes that will meet with your approval.
Lose some weight
Are you constantly having to buy new clothes because you can’t fit into that dress anymore? This is incredibly frustrating, and it also takes a toll on your bank balance.
That’s why it’s a good idea to make a commitment to lose some weight. Choose a popular diet plan, and then set yourself a goal of losing 2 to 3 pounds a week.
Running a car or using public transportation is expensive. Why not ditch traveling on the road so you can walk everywhere instead?
Ultimately, walking is free, and you will also get fit and lose weight at the same time. Walk to work in the morning. Walk back home at night. In no time at all you will have saved hundreds of dollars!
Cut down on beauty costs
Although you might not realize it, maintaining your beauty is probably costing you a lot of money. Makeup, visits to the hairdresser, anti-wrinkle creams…they all start to add up.
One way to cut down on beauty costs is to get a friend to cut your hair or even do it yourself. Let’s face it, the cost of a hairdresser is sky-high these days, which means if you want to save money then you should cut them out and go the DIY route.
We hope you have found these 5 money saving tips for women useful and informative. Remember, saving money is not just for Christmas…it’s for life!Read More
Quite simply, money is attracted to people that have good beliefs about money and develop effective habits that help them grow their finances.
Interested to find out more? Read on…
Listen to gurus
There are certain gurus out there that write books and produce courses about the subject of wealth attraction.
Recently, a course called money beyond belief was released by gurus Brad Yates and Joe Vitale, and the course itself contains many golden nuggets of wisdom about how to attract money into your life. Give it a try.
We are talking to ourselves all day long. What does the chatter in your mind sound like when it comes to money? Are you constantly using phrases such as “filthy rich” and “ money is evil?”
If this is the case, then you will need to change your self talk before you can begin attracting money and achieving financial abundance.
Luckily, this is very straight forward. All you need to do is write down a few affirmations, and then repeat them to yourself at regular intervals during the day.
As an example, you could write down phrases such as “money is attracted to me every day,” and “I feel great about making more money.” If you do this on a regular basis, then you will start to notice huge changes in your life.
As well as affirmations, you should also make good use of visualization. This is where you imagine yourself achieving money and financial goals, so you can make a change in your subconscious mind.
The best time to visualize is first thing in the morning or right before bed in the evening. Try and see a mental movie of you achieving your goals as clearly as possible, and in no time at all you will begin to see many of these imaginary experiences manifest themselves into real life.
Develop good habits
Unfortunately, the majority of people in this world have developed bad habits towards money. Maybe it’s negative programming from parents, school, or friends. At the end of the day, it doesn’t matter where the bad habits came from, or that matters is that you are ready to change.
A good way to change your habits is to look at what millionaires and billionaires do. Maybe you admire someone like Donald Trump? If so, read as much as you can about his life, and write down some of the key habits that have contributed to his success.Read More
These people don’t work a job, don’t struggle with the bills, and don’t really have any stress in their life.
Imagine waking up when you feel like it, going online, finding a bet and then placing it with a few simple clicks. Rinse and repeat the next day…and the day after that.
If you have always had a little dream in the back of your brain about betting professionally, then this is the most important article you will read all year. Find out more with the following tips…
Pay attention to the experts
There are many betting experts out there that run their own blogs and forums. You should look to pick up some Free Sports Picks and Predictions before coming to your final decision about a game and placing the bet.
The worst mindset you can have about betting is “overnight riches.” Unfortunately, this is not the way it works, and if you try and force the issue, then there is a high chance that you will go broke. Understand that it takes time to build up your expertise and knowledge about a sport, and it also takes time to build up your bankroll.
Don’t drink while placing bets
“The weekend is here! Time to crack open a few beers and place some bets!” This is the mindset of the average American when it comes to sports betting, and it almost always leads to losing money. Alcohol can seriously cloud your judgment, and will only lead to making silly bets and putting your bankroll at risk. Stay sober when betting if you want to win.
Compare the odds
Your number one goal should be to get as much value as possible out of every bet that you make. How do you achieve this? By comparing the odds from all of the different bookmakers out there. Fortunately, you don’t need to visit all of the sites individually to find out the latest odds. Instead, simply find a website that compares all of the bookies side by side, so you can easily choose the best option.
Treat it like a business
If you want to make consistent profits from professional betting, then you need to treat it like a business. This means spending a set amount of hours every week analyzing stats, reading forums, staying up-to-date with the latest news, and watching games.Read More
The subject of saving money is something that is on everyone’s lips these days. Most people are looking to make every penny count, so they don’t have to rely upon things such as payday loans just to get by.
Here are 9 quick tips for saving money:
Online stores can offer cheaper prices because they have lower overheads. For example, if you want to buy the best case for iPhone 5c then you will find the cheapest prices online.
Don’t buy on impulse
One of the biggest threats to your bank balance is buying on impulse. For this reason, write down everything you want to buy at least a week in advance, and then start crossing things off your list that you don’t really need.
Plan your meals in advance
A good tip for saving money is to plan your meals in advance. This way, you know exactly what to buy from the supermarket, and you won’t end up spending money on food you don’t really need.
Look for coupons
Most stores now offer coupons on a regular basis. This is a great way to say money, as you can usually get at least 20% off your shopping. Search the coupon sites on a regular basis to find coupons that meet your needs.
Don’t buy brand names
Whether you are looking to buy clothes or perfume, it’s important to understand that brand names are way more expensive than their generic counterparts. The quality isn’t typically much different though, so why pay the extra money?
Record your spending
The reason why many people have trouble saving money is because they don’t record their spending. For this reason, keep all receipts and write down everything that you spend. This will alert you to areas where you are wasting money.
Don’t use credit cards
Credit cards are evil. You spend money that you don’t have, and then have to pay it back with added fees and interest. It’s a losing battle that you won’t end up winning. Instead, avoid credit cards altogether, and only buy something when you actually have the cash.
Save 10% of your income
Have you ever considered saving 10% of your income every month? While it may not sound like a lot, it soon starts to add up, and in no time at all you will have a nice chunk of money sitting in a high interest saving account.
Switch energy providers
Simply go online to compare the prices being offered by energy providers in your area. If you find a cheaper deal elsewhere, then switch providers straight away to start saving money.Read More
Unfortunately, most people are not taught good money habits when they are growing up, which means they continue the cycle of poor choices throughout their life.
Here are some essential tips for managing your money wisely:
Reduce your spending
The most obvious money management tip is to reduce your spending. Quite simply, if you spend less money throughout the month, then you will be able to put the remaining funds into a high interest savings account. This will make your financial future a lot brighter!
Choose affordable contractors
Let’s face it, house repairs and home improvements are often an expense that you can’t get away from. However, you don’t need to break the bank to hire an affordable contractor. Try a website such as Contractor Place to find quality contracting companies in your local area.
Don’t use credit cards
One of the main reasons why people are always struggling with money, is because they give into temptation and start using credit cards. At first all is good, then the credit card bills start to come in and the situation gets out of control.
Instead, cut up those credit cards, pay them off, and then never use them again. Only pay for things with cash, and don’t get into debt.
Think about your retirement
It’s an unfortunate fact that many people are now forced into working during their retirement years. The reason? Because they didn’t give any thought to money management and investing their money wisely.
With this in mind, no matter how far into the future your retirement years are, you must start thinking about retirement right away. Look to invest in a variety of things such as stocks, bonds, and precious metals, and also talk with your employer about a 401k.
Cook your meals from scratch
Eating out at restaurants, buying lunch at work, and ordering takeaways all start to mount up and put a strain on your finances. That’s why it’s such a good idea to cook all of your meals from scratch, so you can drastically cut down your spending and save money instead of wasting it.
Also, you will experience the added benefit of eating healthier, as you cut down on junk food and start cooking with natural ingredients.Read More
Alarmingly, airport crime is on the rise. In the last year alone, thousands of people have had passports stolen from right under their nose, and experts are predicting that this situation will only get worse in the future.
Don’t become the next victim. Read these 4 airport safety tips for the ultimate protection.
Keep your passport safe
There are many different ways you can keep your passport safe while at the airport. For example, you could stash it in a secret pocket in your jacket or in a locked compartment of your hand luggage.
However, if the worst does happen, and you find yourself screaming I need an urgent UK passport because mine has just been stolen, then you should contact the immigration service as soon as possible to alert them to the situation.
Always keep your luggage with you
Don’t let suitcases out of your sight until they are safely checked in. Also, keep hand luggage with you at all times, even in the departure lounge, as it only takes a few minutes for something to vanish.
There’s another good reason not to leave your luggage unattended…the bomb squad! Airport security is at an all time high, and airport officials are always on the lookout for suspicious baggage that doesn’t seem to belong to anyone.
Beware of pickpockets
Many major airports now have a big pickpocketing problem. You are most vulnerable when you first enter the airport and are still trying to find out where to check-in.
These pickpockets ply their trade quickly swiping wallets, handbags, and watches, and they often operate in a blink of an eye.
For this reason, never keep valuable items in your back pocket, and always be on the lookout for suspicious people who just seem to be hanging around. If you have any concerns, then alert an airport official immediately.
Going for a drink
If you arrive at the airport early, then this gives you chance to find a bar and have a relaxing drink before checking-in.
Unfortunately, this is also a time when criminals look for their chance to pounce. As an example, it’s very common for people to leave a bag hanging on the back of their chair, only to find it missing a few minutes later.
For this reason, always keep your bags where you can see them, and never leave them unattended when going to the bar to order a drink.Read More