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What To Know Before Pursuing a Career in Law

Becoming an attorney allows you to work for the cause of justice, a noble endeavor. Law careers are varied, so it should be fairly easy to find an area of practice that interests you. It is typically a very lucrative career, meaning that you can make a comfortable living at the very least. However, it is not for everyone. Here are some important things to know before you decide to become an attorney.

It's Not All Litigation

Litigation is a term for bringing a lawsuit on behalf of a client and arguing it in court. Depending on what area of the law you want to practice, you might spend a lot of time in court, working alongside various officials such as judges, bailiffs, and court reporters Tacoma. However, not all practice areas put as much emphasis on litigation. For example, estate planning attorneys spend most of their time drawing up legal documents, and the whole point of collaborative law, a form of alternative dispute resolution, is to try to keep cases out of court. Therefore, if you're interested in a law degree but don't want to go to court often, there are options available to you that you may enjoy. On the other hand, if you like going to court, you should choose a practice area that involves frequent litigation.

It Takes Years of Schooling

To qualify for law school, you have to get a bachelor's degree. These programs are designed to take four years to complete but, in practice, often end up taking five or more. You do not have to have a specific major or take certain academic prerequisites to get into law school as long as your grade point average is high. Therefore, you can get your degree in whatever field you wish. However, there may be majors that help you prepare for your eventual law degree, such as history, government, English, or speech.

Acceptance into law school requires a passing grade on an educational assessment called the LSAT. If you attend law school full time upon receiving acceptance, it typically takes three years to complete. Law schools hold you to high standards, but they also want to see you succeed, so they may offer alternatives such as part-time programs for people who work full-time as well as accelerated programs that help you receive your law degree more quickly.

It Requires Logical Analysis

The practice of law is based on logical thinking and analysis of facts and evidence. If you make an error in reasoning, it can hurt your clients and potentially cost thousands of dollars. You need to be able to reason carefully and avoid fallacies, which are arguments that sound logical but don't hold up to scrutiny.

The Dress Is Formal

A polished image helps to inspire trust and command respect. While some attorneys may occasionally go to work in casual dress, most wear business attire such as suits. Even if attorneys habitually dress casually around the office, they will put on a suit or formal business wear whenever appearing in court.

The Hours Are Long

It is common for attorneys to work more than 40 hours a week. Some feel the need to be accessible to clients 24 hours a day. You might be able to achieve a better work-life balance working in academia or a public venue, but you may not be able to command quite as high a salary.

Law School Is Expensive

Attorneys frequently earn high salaries, but becoming a lawyer is costly. Law school can cost between $21,000 and $50,000 per year. Most people have to take out loans to finance it, meaning that you may leave law school with hundreds of thousands of dollars worth of student loan debt. First-year lawyers often earn less than more experienced attorneys, so it may take a few years before your debt becomes manageable. Your lender may offer you a graduated repayment program so you can pay more back when you start earning more.

There will always be a need for skilled individuals to interpret the law, so being an attorney offers good job security and career prospects.

Publish Date: December 1, 2021 2:59 PM


Tips to Naturally Care for Your Teeth and Gums

Are you taking time to care for your teeth?  It’s one of the most important preventative measures you can take for your oral health and overall health.

Suppose you don’t properly care for your teeth and gums. In that case, it can lead to many issues, including infections of the mouth, facial pain, gum disease, and more serious health issues, including infertility, diabetes, kidney disease, dementia, heart disease, cancer, and stroke.

Don’t worry. There are more than a few things you can do to care for your teeth and gums naturally. Keep reading to learn what these things are and how you can ensure good oral health without using chemicals and other potentially harmful products.

Start from the Inside Out

Having a healthy mouth is something that involves your whole body. If you want to keep your mouth healthy, your body requires fat-soluble vitamins and minerals. While the vitamins and minerals support your entire body, they also help create more mineral-rich saliva that is used to protect your teeth.

A great way to get these nutrients is by using herbal infusions. The right nourishing herbal infusion includes higher levels of minerals and vitamins that are easily absorbed and that help to support healthy teeth.

Saliva and Oral Health

Saliva is the way your body protects your teeth. From a practical perspective, teeth are re-mineralized as saliva moves over them. However, it’s necessary to consume the proper nutrients, or your saliva won’t have the minerals necessary to strengthen and protect your teeth. You can also use natural toothpaste, which will help you provide your teeth with an additional layer of protection.

Watch Your Diet

Make sure you eat a balanced diet that includes dairy, meats, vegetables, and fruits. Doing this will ensure you have all the nutrients required to keep your teeth healthy and strong.

Remember, acidic foods will increase the possibility of tooth decay since they break down the enamel and let bacteria make it into your teeth. While this is true, you should not completely avoid acidic foods. Some are quite beneficial to your body.

It’s also possible to reduce the impact of acidic foods. You can do this by rinsing your mouth out with water after you eat. You can also drink acidic liquids, like soda and black coffee, using a straw, which ensures it bypasses your teeth completely. Make sure you don’t brush your teeth right after eating. The acids from your food weaken the enamel, which makes it vulnerable when you brush.

It’s also important to limit how much sugar you consume. While sugar is not acidic on its own, the microbes in your mouth will thrive on it. The microbes produce acid that will cause serious damage to your teeth. Additionally, excess sugar is the cause of many health issues.

Vegetables and Fruits

Eating peppers, carrots, celery sticks, and apples all help your teeth be healthy and strong because this triggers saliva production, stimulates the gums, and gives your body the nutrients required to strengthen your teeth.

Sesame Seeds

You can use sesame seeds as a type of oral scrub. Chew them, but don’t swallow. You can then use your toothbrush to rub the sesame seeds over your teeth, similar to how you would use toothpaste. The chewed seeds will gently remove tartar and plaque on your teeth without causing damage.

Floss Daily

Flossing is essential. Unfortunately, many people don’t do it, or they don’t do it properly. It’s a good idea to learn how to floss your teeth properly and do this daily for good oral health.

Keeping Your Teeth Healthy Naturally

If you want to keep your teeth healthy naturally, start with the tips and information above. Each of the steps here will help you maintain healthy, strong teeth for your life. Being informed and knowing what to do to keep your teeth healthy will pay off and set you up for minimal oral health issues now and down the road.

 

Publish Date: December 1, 2021 2:55 PM


Tips for Using Technology To Boost Your Marketing

When you are trying to grow your business, focusing on marketing and ways to optimize it can be important. How you market can have a lot to do with how successful your business ends up being. If you aren't marketing the right way, you could end up spending lots of time, effort, and funds on things that are not effective, and it could hold your business back in a big way. 

The good news is that you don't just have to struggle. If you are looking for ways to give your marketing a boost, there are lots of different types of technology that can help you do just that. If you need tips for your business's marketing strategies, then here are some things to keep in mind. 

Be Open To New Solutions

If you truly want your company to flourish, then you need to be open to new solutions for your marketing concerns. From oss solutions to updated forms of analytics, there are lots of different programs and types of software that can help you better understand your current marketing, and whether or not it is as effective as you think. Even though some may be wary of relying on technology to help them achieve marketing goals, the truth is that new tech can help you get a clear picture of where your marketing stands, so that you can be better empowered to make the right decisions for your company. 

Understand Your Analytics

Along with being open to trying new things, you also need to make sure that you are taking time to tap into your analytics in general. This can be important when it comes to simple online analytics that shows you your traffic and revenue, and it can also be important when it comes to more complicated and specialized forms of analytics, too.

The better that you understand your analytics, the more information that you will be able to glean from them. This means that you will be in a better position to make decisions for your company and to set goals that are both attainable, but that will also help your business grow. 

Use AI When Possible

Another form of technology that can be helpful when it comes to building your business is AI or artificial intelligence. Even though this may sound advanced, many businesses already use it without even realizing it. Using it for marketing can be a great way to free up time for your salespeople, and to help smaller marketing-related tasks get done quickly and efficiently. Additionally, AI can not only be used for marketing but can be an effective customer service tool, too. 

Make the Most of Social Media

Although most businesses are using social media and are aware of its importance, they still may not be using it to the best of their abilities or taking full advantage of everything that it has to offer. Every time that you make a post on social media, you have an opportunity to display something about your business and its personality. The more effort that you put into developing a consistent tone and interesting style, the easier it will be for customers and potential customers to recognize your business. 

The easier it is for your audience to recognize your voice and your style, the more likely they will be to think of you first when they need to make a purchase. Not only that but the more that they feel they know your company and what it stands for, the more likely they are to feel a personal connection with your business and to be loyal customers for a long time to come. 

Some Last Thoughts 

The quality of your business's marketing strategies is important if you want to have a successful company. While it may not always seem like an easy task to have great marketing, the truth is that by using technology to your advantage, you can help get your business where you want it to go. 

Publish Date: November 29, 2021 11:43 PM


5 Ways To Stay Warm On a Winter Vacation

While the tropical, warm destinations are usually the typical go to for a vacation, there are many places that are great for a fun, relaxing trip that have cold climates, especially if you are going during the winter season. Vacations during the winter can be full of fun winter activities like sledding, skiing, ice skating and cozy nights in front of a fireplace. If you decide to take a vacation during the winter, you’ll need to bring with you everything you need to stay warm so you can enjoy your time and get the most out of your trip. Here are 5 ways to stay warm while on a winter vacation.

Pack Plenty of Layers

If you’re vacationing in the winter, packing lots of layers is a must. This way you can add and subtract layers as needed when it gets really cold and when it gets warmer. Bring along long underwear and wool thermal leggings to wear underneath your pants and thermal long sleeves to wear underneath your tops or underneath Aran sweaters that are warm and stylish. To layer over that, bring a long, insulated coat that goes down over your thighs and has a hood to keep your head warm. Bring a scarf so that you can cover your face. It’s also important to pack warm wool socks to keep your feet warm. Make sure all of the layers you pack are breathable and moisture wicking because sweat can make you cold even if you are wearing plenty of warm clothing.

Wear a Warm Hat

Even if you’re wearing a coat that has a hood, wearing a good quality warm hat along with that is a really good way to keep you warm. Wear a hat that is lightweight, has a fleece lining and that covers your ears completely. If it’s not extremely cold, you can wear a headband that just keeps your ears warm.

Bring Weatherproof Boots

Making sure your feet are warm is also very important for staying warm in general. In addition to those wool socks you bring, get a really good quality pair of winter boots that are weatherproof. That way, if the winter weather on your vacation is snowy or rainy, your feet will stay warm even if the boots get wet. If you don’t have waterproof ones, bring some waterproofing spray to spray on your boots or shoes before going out into the snow or rain. You can also put foot warmers inside your boots.

Wear Waterproof Gloves

Keeping your hands warm is also a necessity for staying warm in cold weather. Pack some waterproof gloves that are also wind resistant. Try to find a pair that are lined with cashmere and that are moisture wicking. Also, find gloves that can be used on your touch screen so you don’t have to remove your gloves every time you want to use your phone. To add extra warmth, bring some hand warmers that you can put in the pockets of your coat.     

Drink Water and Stay Hydrated

A lot of people forget to stay hydrated when it’s cold out because they aren’t sweating as much and don’t feel hot. Staying probably hydrated is important in the cold too though because your body can circulate blood better, therefore keeping you warmer. Remember to drink water and avoid drinking alcohol and caffeine. Alcohol causes your blood vessels to expand which will make you lose body heat more quickly and caffeine makes your blood vessels smaller which makes it more difficult for blood to circulate, therefore making it harder to stay warm. So when you’re vacationing somewhere cold and in the winter, drink plenty of water even if you don’t feel it. There are other ways to stay hydrated in the winter too, like eating hydrating foods.

Winter vacations are a lot of fun and very relaxing as long as you remember to bring what you need in order to stay warm. Follow these tips so you can be comfortable, warm and enjoy your vacation.

Publish Date: November 29, 2021 11:30 PM


6 Styles and Tips to Consider for Your Engagement Photos

There is no better way to capture the blissful experience of engagement than with a photograph. This marvelous moment can be gone in the blink of an eye, so don’t miss out on the opportunity to commemorate the experience with photos. You will want the perfect picture to member this beautiful experience. If you are preparing for your upcoming engagement photoshoot, here are six styles and helpful tips that you need to consider.

Embrace the Season

There is a beauty to embracing the season in your photos. Whether you want to go with a light and airy look in the spring and summer or celebrate the coziness of fall with warmer fabrics, mens irish sweaters, scarves and boots, incorporate your natural surroundings. Tying your season into your wardrobe selection gives you cohesion and clarity to your photos, while also keeping you comfortable in that climate. Don’t be afraid to consider how the season will impact your clothing selection, because this can leave you with fabulous photographs.

Consider Your Location

As you are thinking about your photoshoot style, your clothing and your desired result, don’t forget to consider your location as you make your plans. If you are taking photos in a studio, you have a controlled environment; however, if you are on-site somewhere, you need to take into consideration the climate and environment. Take tips from professional photographers and make sure that you are comfortable. If you aren’t, your discomfort will show through in your photos. When you think of your location, make sure that your wardrobe is a logical and sensible choice.

Don’t Be Afraid to Go Formal

If you and your soon-to-be spouse enjoy dressing up, this is your moment. Don’t be afraid to be extravagant with your engagement shoot. This is your experience, so you should have it be everything you want. Whether you have always wanted to wear a particular gown and or you just want photographs with a more dramatic effect, this is your moment to dress up. Let your dream outfit come to life in your engagement photoshoot and live out your wildest dreams.

Avoid Excessive Matching

A mistake that some couples make in choosing their style for their engagement photos is excessive matching. While you want to have a somewhat coordinated look, too much matching can leave you with a cheesy and unpleasant result. Instead of relying too heavily on matching, make sure that your colors complement one another and don’t clash. This can leave you with an eye-catching and appealing result.

Consider a Wardrobe Change

For those who truly want to make the most of their engagement photoshoot, don’t be afraid to have a wardrobe change available. This can give you a diversified portfolio of photos without having to book a second session with your photographer. Whether you want to change up your clothing style for something different than your initial choice or want a different look in your second set of photos, a costume change can be a worthwhile choice.

Do Something Personal and Unique

If you want your engagement photos to feel personalized to you and your soon-to-be spouse, integrate something unique to you two. Whether you wear college gear because you met at college or your favorite sports team’s jerseys, personalizing the experience can be a great idea. Not only does it make it special for you and your significant other, but it can also make you feel more comfortable on the day of. While a common rule in photoshoots is to avoid loud patterns and distracting images on your clothing, if this gives you a more genuine and personalized experience, it is well worth it.

Engagement photos are just one of the special ways that newly engaged couples get to mark this amazing moment. This special period will move faster than you could have ever realized, and you won’t want it to pass you by. Take the time to take it all in, and have a product that will last you a lifetime.

Publish Date: November 29, 2021 11:28 PM


6 Tips For Choosing The Perfect Winter Sweater

As the seasons transition from fall to winter, people get ready for sweater weather. With so many styles, functions and knits to choose from, it can be difficult to pick out the coziest, comfiest winter sweater. Here are six tips for choosing the perfect winter sweater.

  1. Consider the Design

As is common for most articles of clothing, there are many designs you can choose from when it comes to sweaters. There are cardigans and wrap sweaters, hooded sweaters and sweater dresses that provide unique benefits and incorporate interesting style components. There are also more traditional sweaters that come with a variety of necklines, including crew necks, turtlenecks, v-necks and cowl necks. You may also want a thinner or thicker sweater, depending on your preferences.

  1. Think About Your Fabric And Weave Preferences

There are also various materials and weaving patterns utilized in sweater knitting. Sweaters may be made from synthetic material, but if you want a sweater that will last, it's a good idea to choose one knitted from natural fibers, such as wool. For example, Irish sweaters tend to be made from sheep's wool whereas cashmere sweaters utilize the hair of east and central goats. You can also choose from a variety of aesthetic patterns, the most common of which are ribbed and cable knit. 

  1. Pick a Fit You're Comfortable With

The perfect sweater should be one you feel the most comfortable in, whether that means wearing it layered over a shirt, as a shirt or layered under a jacket. Most people choose sweaters that aren't overly tight or overly loose, but it's also common for people to pick out oversized or chunky sweaters. Ultimately, the fit you choose should match the scenarios where you plan to wear your sweater. If you plan to wear it around the house, going oversized should work. On the other hand, if you want a sweater you can wear to work, you should look for a more well-fitted, tailored cut.

  1. Keep Your Climate In Mind

Sweaters are most commonly worn in the colder months, but some places are colder for longer periods of time than others, which means you should pay attention to that and match your sweater to your climate. For example, if you live in the far north of Europe, you may want to opt for chunky, tightly woven sweaters that are easy to layer over other clothing. The thick yarn and tight weaves help trap body heat and keep out cold air. On the other hand, if you live in the American south, you're unlikely to experience long hard winters so you should instead opt for thinner sweaters. You may also prefer sweaters with looser weaves. These styles will allow for some warmth if there's a cold snap, but won't stifle you.

  1. Make Lifestyle-based Decisions

The type of sweater you choose should largely depend on your lifestyle. If you're always on the go, for example, you want a sweater that won't snag or allow you to overheat. On the other hand, if you want something comfortable for when you have a day off and you want to settle down to watch a movie, you should look for something with soft yarn and a loose fit that won't feel constricting or scratchy.

  1. Consider Where You'll Wear It

Sweaters are incredibly versatile winter clothing articles so you'll have many opportunities to wear one. If you can only choose one sweater, you may want to look for one that can function well in many scenarios, such as at work, lounging at home and going out for dinner. A good example of a versatile sweater is one that is well-fitted, in a professional style and that feels very comfortable.

There's no wrong choice when it comes to picking out a perfect winter sweater. Focus on your preferences and needs and then see what styles, patterns and colors are available in sweaters that fit your wishes.

Publish Date: November 29, 2021 11:27 PM


8 Accessories To Elevate Your Personal Style

Personal style is something that can develop over time, but as seasons change it's easy to fall into a rut. Fashion changes constantly, and it can be difficult to keep up. This is especially true if you don't have the budget to keep buying new pieces. One way to quickly update your wardrobe is by adding trendy accessories. Some accessories tend to be more affordable and reusable than clothing. If your wardrobe needs a quick refresh, here are some stylish accessories to elevate your wardrobe. 

  1. Rings

Rings are a simple way to elevate any outfit while still showing off your personal style. You don't need to spend all your cash on high-end jewelry, either. Monochrome resin and plastic rings are in style, and so are mood rings. Minimalist silver jewelry can be frequently spotted. You can try on a stack of simple silver rings, or you might want to add a nod to your Irish heritage with a set of Claddagh rings

  1. Beaded Jewelry

Trends from a decade or two ago have circled back around again, which means beaded jewelry is back in style. You're likely to see lots of beaded bracelets, necklaces, and chokers. You may even see some beaded rings. The fun mix of different bead types makes this a great accessory to make yourself or with friends. 

  1. Headscarves

Headscarves are versatile accessories that don't need to stay on your head. While they look great braided into your hair or as a quick cover-up for greasy roots, they also look great tied around your bag, neck, or wrist. They can be folded and knotted into a quick bag if you're out shopping and don't want paper or plastic. Feel free to get creative and place a pop of color where you need it!

  1. Almond Nails

Nail shapes change from year to year, and right now almond nails are having their moment. Light metallics, muted colors, moody florals, and matte finishes look like big contenders for the fall and winter months. You may even encounter new shapes like "lipstick nails," which have a diagonal edge like fresh lipstick. These color palettes will make it even easier to pair clothes and accessories with a new manicure.

  1. Higher Socks

Lower, hidden socks were the norm with sneakers for a while, but higher socks have come back into style with full force. While some shoes should still be worn without visible socks (hello loafers), most sneakers and other casual shoes are going to look great with fun socks. 

  1. Statement Earrings

If you've ever seen your grandmother's old bakelite, celluloid, or plastic jewelry, you may have an idea of the latest jewelry trends. These old styles have a fresh new look and can add a fun pop of color to any outfit. Acrylic statement earrings in particular are increasingly popular. They come in a variety of colors, patterns, and shapes. You may even be able to find your favorite cartoon characters or art pieces shrunk down to fit your ears! 

  1. Barrettes

Chunky barrettes are an easy way to hold back your hair and add some color or bling. While adding too many at once may have been a style faux pas in the past, it can be used to create some original styles now. They also make great little gifts!

  1. Oversized Sweatshirts

The oversized sweatshirt is another accessory that has come back into style and looks great on everyone. The oversized nature of the shirt makes it easy for everyone to find one that works regardless of size.  If you woke up late or are struggling to find the perfect outfit, this is a way to quickly and easily add effortless style. 

Curating your ideal style can be difficult with changing trends, but sometimes a quick infusion of something fun and new is just what you need to refresh your look. By trying out a handful of these accessories, you can add an exciting new element to your personal style.

Publish Date: November 29, 2021 11:26 PM


6 Home Features That Increase Property Value

You want your home to increase in value as you live in it, not the other way around. But there are so many options out there for increasing your home value, and some pay off more than others. How do you know which ones to go with? These four features can provide a good place to start to increase your home’s value almost automatically.

  1. Refreshed Exterior

Curb appeal is a big deal when it comes to the value of your home. If the inside of your home looks great, but the outside looks like it’s falling apart, you might not get as much for your home as you could. A fresh coat of paint on your home’s exterior or a new garage door can go a long way when it comes to improving your home value. But you can also go with upgrades that aren’t as pricey. For example, planting a dying flower bed or simply cleaning up your landscaping can make buyers more likely to offer a higher price.

  1. Outdoor Living Areas

Outdoor living is a big deal, and many Utah home builders have started to include dedicated areas for outdoor living in their floor plans. If you want to add value to your home, consider enhancing your outdoor areas. For example, if you have room for it, consider adding an outdoor kitchen. Or, you might want to add a fire pit and seating area to a blank space in your backyard.

  1. Upgraded Windows & Doors

When it comes to adding value to your house, many people don’t think about windows and doors because they aren’t something you notice right away when you go into a home. However, new windows and doors can make a big difference in terms of energy efficiency and aesthetics. If you decide to add new windows to your home, make sure you pick energy efficient options, as this is an attractive feature for new homebuyers. And if you decide to go with new doors, make sure they match the overall interior style of the home.

  1. New Fixtures

You don’t have to put a ton of money into your home to increase its resale value, and small changes can make a big difference. One example of this is with the fixtures throughout your home, which include things like your cabinet hardware and lighting. If your fixtures are old and outdated, swap them out with upgraded metals and finishes to give your home a modern, updated look. Start in rooms where buyers want to see upgraded features, like in your kitchen and in your bathrooms.

  1. Kitchen Remodels

Nothing quite compares when it comes to adding home value as a kitchen remodel. A major gut job and replacement of your kitchen counters and cabinets can make a big difference when you analyze the resale value of your home. However, you don’t have to go crazy if you want to add value to your home by remodeling your kitchen. For example, investing in new appliances, refinishing existing cabinets, and adding new or upgraded lighting can all help you enhance your home’s value and make it look and feel more modern.

  1. Bathroom Enhancements

Just like with your kitchen, upgrading your bathrooms is almost a surefire way to enhance your home’s value. Some beneficial upgrades to invest in include installing a new sink, tub, shower, or toilet, painting the walls, retiling or reflooring, adding additional storage space, putting in a new vanity or mirror, and upgrading the lighting in this space.

If you have a limited budget, choose your home upgrades carefully if you want to increase the value of your home. Many projects you can do yourself, but for others, you may want the help of a professional. Whatever you choose to do, opt for neutral finishes and features that will appeal to a wide range of buyers for optimal return on your investment.

Publish Date: November 20, 2021 10:41 PM


Effective Tips for Helping To Reduce Stress

Even though stress isn't good for health, it can be hard to avoid. Stress is even more prevalent than it has ever been before, in today's fast-paced world. While it may not be possible to avoid stress, the good news is that there are things you can do to help reduce it once you are experiencing it. If you are looking for some ways to help curb the stress you are experiencing, then here are some things for you to try. 

Try Alternative Therapies

One way that you can help to keep stress under control is to try out new therapies that are available to you. From weed delivery San Francisco to essential oils, there can be many alternative options for helping to reduce symptoms of anxiety and stress. Trying a new form of therapy can be a highly personal choice, though, so taking your time to do your research and making sure that you are choosing to try things that are a good fit for you and your needs can be a good idea. 

Make Sure To Meditate

Along with trying out new kinds of therapy, it can also be a good idea to make sure that you are looking after your mental health. One popular way that many are reducing their stress levels is by trying meditation, which is also sometimes called mindfulness. Meditation can be practiced by anyone, and can be a great way to relax both the nervous system and the mind at the same time. 

To get the most out of mindfulness, it can be a good idea to practice for at least 15 to 20 minutes a day. For some, this may be a lot when they are first starting out, so practicing in smaller chunks of time, like 5 to 10 minutes may be a better option. Beyond that, trying to practice around the same time each day can be beneficial as well. This can help you get into a routine, and also make it easier for your brain to get in gear for mindfulness. 

Eat a Healthy Diet

While many are aware that their diet impacts their health in a big way, they may not realize just how much it can effect their anxiety levels or their ability to stay calm. The reality is, though, that a food high in sugars and carbs can be highly detrimental not just for your physical health, but for your mental health, too.

This is because each time that you eat high carb foods, your blood sugar will spike and then crash. This can lead to your energy levels spiking and crashing as well, which is often bad for your mood. By opting to eat more foods that are high in lean protein as well as lots of nutrient dense fruits and vegetables, you can help ensure that your diet isn't hurting your ability to feel relaxed and calm. 

Get Regular Exercise

Regular exercise is another essential part of maintaining good health and helping to reduce things like anxiety and stress. Not only can working out help cut down on excess energy, but it can also help balance out many of your hormones, as well. When you are stressed, your body will pump out extra adrenaline and cortisol, which are the primary stress hormones.

When you work out, your body is better able to manage these hormones, and also creates more hormones that help to boost your mood, like serotonin. While it may not always be easy to find the time to workout, especially if you are already feeling stressed, the good news is that you can get plenty of benefits from exercise even if you only workout for 15 to 20 minutes a day. 

Some Final Thoughts

Stress may not be great for your health, but it can be hard to avoid in today's fast-paced society. The good news is that there can be plenty of easy ways to help reduce your stress and anxiety, and start feeling more calm today.

 

Publish Date: November 19, 2021 5:47 PM


Six of the Best Ways to Protect Your Personal Assets

It is an exciting time to be an entrepreneur and investor. The digital age has expanded the ordinary person's reach so that many more can dip their toes into fascinating new realms of wealth creation. But the expansion of one's personal influence and activities opens them up to potential liabilities, and a threat to your assets can come from an unlikely place at the most inopportune time. Here are various ways to guard your personal assets.

Insurance

This is really the most basic tool that everyone should have in place. Whether your vehicle, business, or home, you should have the appropriate amount of insurance coverage to shield you from liability. Regrettably, even when people have insurance, they don't continually check that it covers their needs as life changes. Never hesitate to look for the top home insurance quotes or auto insurance deals from time to time. As your wealth and assets grow, so will your coverage needs.

Business Asset Separation

Everyone seems to have a side hustle nowadays. This is a testament to the rising spirit of the modern entrepreneur. It is initially the path of least resistance to function as a sole proprietor. However, if your business faces any level of liability in an incident, everything you own is up for grabs. The results may be devastating.

Be sure to set up any businesses you run as an LLC (limited liability company) or other separate entity. It is easy and inexpensive to do. Just as the name implies, it limits your liability in the event of an accident or circumstance in which the business is at fault. In general, only the assets of the company will be exposed to capture. But don't stop there. As your business grows, get the help of a financial manager to separate the assets the business uses from the operating company. If the operating business has to be shut down because of legal action, the assets will not be lost and can be leased to another operating company you set up.

Trusts and Protective Entities

If you transfer your assets to a trust or some other protective entity, you can control what you own without technically owning it. If you have ever wondered why some of the wealthy can go through bankruptcy and still retain a refined lifestyle, often employing a trust is crucial to preserving many necessary assets.

International Asset Protection

Some creditors will be dogged in their attempts to gain every last asset from a debtor. To buy yourself time and build up greater protection, consider incorporating plans that come under international jurisdiction. In essence, this adds foreign legal protections on top of already robust domestic asset protection. Since creditors have to go through the extra hassle to claim your assets, many will put the process on the back burner and go after lower-hanging fruit.

Liens on Assets

Another creative way to slow a creditor down and make the pursuit of your assets a poor use of their time is to encumber the property with a lien. Sometimes called a "friendly lien," the use of this technique requires solid legal advice so that you do not run afoul of the law. Simply put, a line of credit can be held against an asset. The lien is controlled by an entity friendly to you (such as an LLC you've created). Once again, be sure to get expert legal advice before attempting this measure.

Captive Insurance Company

What traditional insurance cannot cover, a CIC (Captive Insurance Company) may be able to protect. If an entity has unique liabilities that have a low probability of happening, a CIC may be able to provide the coverage. These risks are typically too expensive for a traditional insurance company to cover and are often only put in place in the case of exceptional circumstances.

There are many ways of protecting your assets, and what serves you best will depend on your particular wishes and needs. Research well and get the help of a financial planner to make sure you adequately protect yourself.

Publish Date: November 19, 2021 5:45 PM


5 Reasons To Invest in Home Insurance

You can safeguard your home and all of your precious belongings by purchasing home insurance. Rather than classifying this insurance as "just another payment," consider home insurance to be a necessity because it protects one of the most significant investments you'll have in your life — your house. Keeping this investment safe will give you peace of mind. Here are five reasons why obtaining home insurance should be one of your top priorities.

  1. Loss Protection

Suppose your house is damaged due to fire, vandalism, a natural disaster (i.e., a tornado or hurricane) or another weather condition. In this case, your insurance will pay to fix the damage or rebuild. However, a standard policy won't cover flood damage; flood insurance has to be purchased in addition to home insurance.

While you're waiting for your house to be repaired, your insurance will help pay for temporary housing and other living costs. For example, if you stay at a hotel for a few days and end up paying more for food because you're forced to eat at restaurants, home insurance will help cover this cost. To be approved for relocation expenses, a qualified agent will have to deem your property uninhabitable.

Research home insurance quotes to ensure you have the policy that best fits your personal and financial needs. While most policies offer the same standard benefits, you can always add extra coverage.

  1. Replacement of Personal Belongings

Dealing with the damage or loss of your home is difficult enough, but losing your possessions makes the situation even worse. While some things can't be replaced, such as photographs, your insurance company can at least reimburse the value of most items, including furniture and appliances.

Before you file a claim, you'll need to make a list of everything that was damaged. Provide pictures or videos that illustrate the severity of the damage. Your insurance company will either give you the actual cash value for the items lost or a replacement cost. Getting the replacement cost is the more lucrative solution because you'll be able to replace things based on current prices, whereas the actual cash value takes into account depreciation.

  1. Medical Bill Coverage

If someone is injured on your property, you may be liable for their medical bills. Luckily, if you have home insurance, it will cover these costs. Your insurance will pay for imaging tests, surgeries, hospital stays and even the ambulance ride to the hospital.

Medical bills can be outrageously high, so having to pay the entire cost out-of-pocket could easily bankrupt you. Paying a monthly premium for home insurance will ensure this scenario won't happen.

  1. Liability Coverage

Home insurance will not only pay for medical bills if someone is injured on your property, but it will also provide coverage to protect you from a lawsuit if the individual who was hurt decides to sue. Most insurance policies have a cap, which limits how much they'll pay out. However, you can purchase more protection if you feel it's necessary.

So what else does liability insurance cover? It may help you pay for legal costs and lost wages for the injured individual. Also, if someone passes away from a fatal accident on your property, this insurance may cover death benefits to that person's family.

  1. Mortgage Requirement

While most states don't require you to have home insurance, lending companies do, and for a good reason. Just like you're protecting your investment by having insurance, a lending company is also protecting its investment. If something happens to your home, mortgage companies want to ensure they'll still get reimbursed for lending you money.

It's best to choose which insurance you want because, if you don't, the mortgage company will decide for you, which may result in an expensive policy.

If you're not sure whether getting home insurance is the right choice for you, think about what would happen if you didn't have insurance. Potentially, you could lose everything you own. The benefits of having home insurance far outweigh any reasons against purchasing it. Knowing that you and your home will be protected against unforeseen circumstances will give you one less thing to worry about. 

Publish Date: November 19, 2021 5:40 PM


Ways to Become an Insurance Agent

Few jobs offer workers who have little experience and only a high school diploma the potential to make big money in the first year. In insurance sales, a beginning agent who is willing to work hard can make $100,000 or more annually.

The main qualification you need to begin a career as an insurance agent is a strong aptitude for sales. Proven success in sales is even better. Any insurance knowledge is icing on the cake.

How to Apply

One way to take a big step in the direction of becoming an insurance agent is to get hired as a sales assistant (sometimes called a licensed sales professional) to an agent. You don't need any insurance experience or licenses, but you must be willing to study for and take the appropriate licensing exams.

You can also apply online to talk to an insurance company's recruiter for agents. An ideal applicant might be college-educated and bilingual, with a degree in business plus skills in sales. But companies are usually quick to ignore the lack of a college degree when the sales aptitude is there.

Your résumé should showcase your initiative. Once you apply for a position, you should demonstrate your sales ability by following up with weekly phone calls until the company hires you. Some firms will not consider hiring you unless you follow up. 

Expect a background check and a credit check. Past criminal convictions can be a problem, as they may prevent licensure, depending on the state.

What to Expect

A trainee insurance agent's first year may be spent prospecting for clients, learning about the company's products, and providing insurance quotes. You will normally receive a base salary while training, but that may disappear quickly once you start work in earnest. A new agent should expect to have little income for the first few months until commissions can be earned and received.

An independent contractor arrangement is common. You are considered to be running your own business, with the insurance company providing training, marketing support, and customer service.  Policies vary, but you should expect to pay for your preparatory classes and licensing test fees yourself. Many companies will reimburse you if you pass the test.

Pre-Licensing Education

It is important to know what state you'll be working in and what kind of insurance you intend to sell. Depending on your state, you may need more than one license. The different types are called "lines of authority" and include life, property, casualty, health, automobile, and liability.

Insurance licensing information can be found on your state's website. In some states, you must be sponsored by an employer to take the test. In most states, some sort of approved education is usually needed before the state will let you can take the licensing exam. 

Most courses take about 35 to 40 hours to complete. Much can be done online, but there may be a requirement for a certain amount of classroom study. A property and casualty license might include training on insurance terms and policy provisions, homeowner policies, auto insurance, commercial insurance, different types of liability and property insurance, ethics, and state regulations.



Testing and Licensing

The exam can usually be scheduled at your convenience, either online or at a testing facility. The cost ranges from around $40 to $150 depending on the state.  

You should expect up to 150 multiple choice questions in a timed test lasting a couple of hours or so. A passing grade is 70%, and an average of 60 to 70% of test-takers pass. You should be able to find out whether you passed or not right away. You can take the test three times in a year without repeating the pre-licensing education. 

There is usually a waiting period of a few days after you pass the test before you can apply for a license, and there may be a fee for applying. 


If you like to sell, becoming an insurance agent may be an outstanding career for you. With a relatively small investment of time and money, you can position yourself as a professional earning an excellent income.


Publish Date: November 19, 2021 5:37 PM


How To Become a Better Driver

Even if you're a cautious and safe driver, reviewing safety tips can help you become an even better driver. Taking the same route every day can cause you to react out of habit instead of responding to that trip's specific scenario. For instance, you might not notice that a lane is closed until you try to merge, even if there were warning signs along the road.

No matter how experienced you are, there are always ways to improve your driving skills. Here are some tips to help you become a better driver. 

Avoid Driving When You're Tired

If you didn't get enough rest the night before, don't get behind the wheel. While you can wait to eat or drink, sleeping is a different story. You can become so tired that your body will let you go to sleep, regardless of where you are or what you're doing. If you get comfortably situated in the driver's seat, you're liable to fall asleep.

Even if you start your drive fully alert, you may get drowsy along the way. If you start to get tired, pull over somewhere safe, get out of your car and walk around to wake yourself up. If you're too tired to move about and have extra time before you have somewhere to be, such as work, take a short power nap. Perhaps you're too drowsy to carry on yourself. Don't be afraid to ask for help in this situation. Call a friend, family member or taxi to take you wherever you need to go.

Drowsy driving can cause accidents. Even if you don't fall asleep behind the wheel, you're likely not thinking as clearly as you would be if you had proper rest. Additionally, maintaining accident-free driving will keep your insurance prices down. If you have to search for insurance quotes after an accident, you'll probably have a higher rate.

Maintain a Gap Between Cars

To stay a safe distance away from other cars, keep a four-second window between your vehicle and the cars around you. Depending on the weather conditions, you can always leave more space. You don't want to follow another vehicle too closely because you could run into the back of that car if the driver suddenly brakes.

Stay Focused

While you should pay attention to the road, it's a good idea to browse your surroundings often. Check your mirrors to see how heavy traffic is and if someone is passing you. Look at the landscape to ensure no animals are getting ready to cross the road. Looking about will keep you focused on everything going on around you. If you're constantly scanning your surroundings, you'll be able to make driving decisions quickly and safely.

Use Your Mirrors

Your mirrors are crucial because they let you see what's going on around you. They come in extremely handy when you're switching lanes. However, even after checking the mirrors, you should turn your head to ensure there are no cars in your blind spot.

To get the most out of your mirrors, adjust them properly. If you're sitting in the driver's seat, put your head against the window while simultaneously adjusting the driver's side mirror. When you can see the edge of your vehicle in the mirror, the alignment is complete. For the passenger mirror, move your head to the center of the car and repeat the steps.

Use Turn Signals

Turn signals are a simple yet crucial part of safe driving. It's important to alert other drivers of your intentions. If you're going to make a left turn, but there is traffic coming, you'll have to come to a complete stop until the traffic clears. If you don't have a turn signal on, the driver behind you won't know why you stopped in the middle of the road.

It's important to review your driving skills and implement the safety precautions you're lacking. Remember that the way you drive not only impacts you; your actions behind the wheel also affect other drivers.

Publish Date: November 19, 2021 5:36 PM


5 Tips for Successfully Managing a Restaurant

Managing a restaurant is no small feat. Whether it is a small or large establishment, you are leading multiple employees and ensuring every customer who walks through your door has a fantastic experience. If you are new to the restaurant industry or simply looking for some helpful advice, these five tips can help you manage your restaurant efficiently. 

  1. Invest in Quality Supplies

Quality restaurant supplies are vital to the success of the business. If the ovens, freezers and other appliances are unreliable or constantly breaking, this impacts daily operations. Perhaps the oven and burners do not heat to accurate temperatures. This makes it incredibly difficult for chefs to properly prepare meals.

Maybe the oven works well but it is so small, it is hard to keep up with incoming orders. Without a bigger cooking station, customers wait a long time for their meals. If people have to wait too long, there is a good chance they will walk out or eat but never return.

Additionally, poor supplies also pose a risk to customers. If a refrigerator is not staying cold, food easily spoils. If this food is then served to guests, they might become ill. 

  1. Support the Staff

Your employees are one of the most valuable assets in the company. If you want to avoid turnover, treat them with respect and support them the best you can.

If a staff member has a concern, take time to listen and properly address it. If there are any changes or upcoming events that might impact the employees, update them as quickly as possible. This can include menu changes, items the kitchen is out of or events that may increase the number of customers, such as holidays or a store opening nearby. 

Release schedules as soon as they are finalized. Though it can be tricky coordinating with multiple employees, do your best to accommodate people's schedule preferences and time-off requests. 

  1. Check In With Customers

Try to speak to every group of guests who eat at the establishment. While it might be tough during rush hours or holidays, taking time to stop at each table shows you genuinely care about the customers' experiences. Plus, it gives guests the opportunity to provide valuable feedback to use in the future. 

  1. Perfect the Art of Multitasking

If you manage a restaurant, you need to be a strong multitasker. Unlike jobs where people only focus on a few tasks at once, like data entry or working as a cashier, you have to handle many duties at the same time. This can include running food, assisting the bartenders, handling customer complaints, taking incoming shipping calls and answering questions from the servers and cooks. You need to be well-organized and cool under pressure in order to do this day after day.

If you struggle to multitask, search for articles or videos online with helpful information. One tip is to avoid distractions, such as turning your phone on silent while you work. You also need to prioritize tasks. For example, an upset customer needs to be dealt with immediately, while a staff's produce order for the week can wait.

  1. Have a Good Attitude

Servers, bussers, bartenders and cooks look up to you as the team leader. If you constantly complain, swear and have an all-around bad attitude, it rubs off on your employees. They will likely develop bad attitudes, which can impact the customer's experience. On the other hand, they may simply get tired of working in a negative environment, and you will find yourself dealing with constant turnover.

Have a positive attitude when going about your day. Not only does this have a beneficial impact on team members, but it also makes you more approachable if someone has a question or concern.

A few changes, such as these tips, can help you master the art of managing a restaurant. Though it can be challenging, it is not without its rewards, such as increased revenue and close bonds with your staff.

Publish Date: November 19, 2021 5:32 PM


Ideas to Keep the Kids Busy at Home

Having a bored child at home can be disrupting to a busy parent, especially if you're trying to get work done. Children need stimulation to keep their minds active and help them happy and healthy. It can get expensive to send your child off to daycare or other activities outside the home every day. If you're running out of ideas to keep your child entertained when they are at home, here are some helpful tips that will encourage them to stay active and engaged. 

Backyard Fun

Create a backyard that will promote healthy exploration and encourage them to spend more time outdoors. To keep them busy during the summer while promoting good exercise habits, consider pool builders near me. They'll love some time in the pool during those hot days and won't even realize that they're also getting great exercise at the same time. When they're done in the pool, teach them some fun outdoor games you enjoyed as a child, such as red light green light or red rover. They'll delight in the fact you're playing with them and they'll be learning new ways to stay active. 

Treasure Hunt 

While planning a treasure hunt will require a little preparation on your part, it will give your child hours of fun while also engaging their critical thinking skills. By reading and following clues, you're teaching your child to use reading comprehension and investigation skills to get to their final destination. Reward them at the end with a fun treat, like ice cream or their favorite movie. 

Learn Science

Allow your child to tap into their inner scientist by setting up a science experiment for them to enjoy. If you aren't particularly confident with your ability to create a successful experiment, you can purchase pre-made kits online that will give your child everything they'll need. If you're concerned about a mess, set them up in an area that is easy to clean and let them use their imagination. They'll enjoy the fun of the experiment while not even realizing they're learning something new.

Let Them be Chefs

Set your children up with a fun, easy cooking project. You may want to stay close while they're whipping up their kitchen concoction, but if you give them all the supplies they need they should be able to successfully create something without any added worry. Allowing your children to be creative in the kitchen will boost their cooking confidence and teach them valuable life skills they'll use when they're older, such as measuring and understanding the importance of healthy ingredients. 

Be Gardeners

Designate an area of your backyard to your child's imagination and encourage them to explore the wildlife, flora, and fauna of their space. Give them the tools they'll need to dig, plant, and create their own garden. For extra fun, let your child be involved in deciding what flowers to plant in their space. Giving your child the freedom to create their own garden area will nurture their creativity, passion for nature, and teach them appreciation for their hard work. 

Capture Art

If you have an old camera, give it to your child and let them discover the joy of photography. Let them loose in the backyard with their camera so they can take photos of the world around them. You may be surprised to how creative your child can be when given freedom behind a lens. You can even give them ideas for some fun photos to take by creating a photography scavenger hunt. When they're done, have them select their favorite pieces of art and print them off, frame them, and hang them in their room so they'll have a constant reminder of the fun they had.

Try these ideas out next time your child is bored and looking for something to keep them entertained. These ideas should give them hours of enjoyment and allow you to have some time to catch up on housework, tackle a project, or answer those work emails that have been left neglected.

Publish Date: November 17, 2021 4:11 PM

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