If you’re a business owner or entrepreneur who’s interested in applying for a PPP loan, there are some eligibility requirements that you need to meet. This article will help you learn about them.
Generally, sole proprietors and independent contractors can borrow up to 2.5 times their monthly payroll costs (or average monthly net profit for non-employers). But the accommodation and food service industries can get up to 3.5 times their average monthly payroll costs.
You’re a Small Business
You must meet a few eligibility requirements if you’re looking for a PPP loan application. These include being a small business, self-employed, a sole proprietor or an independent contractor.
It would help to show how you’d use the funds for your business’s benefit. You also need to follow the terms and conditions of the PPP loan program.
For example, you must show how you’ll spend 60% of your loan proceeds on payroll and other eligible expenses. You also need to provide documentation of your expenses and earnings.
You’re a Sole Proprietor
Sole proprietorships are the oldest and most straightforward type of business. They can be formed for free and give you complete control over your business.
However, you should know some essential aspects of owning a sole proprietorship. For instance, you may need to register for a business license and have a separate bank account.
In addition, consider registering for an employer identification number (EIN), which the IRS requires for tax filings. Also, you should file a DBA name (doing business as), which is necessary for branding and marketing purposes.
You’re a Nonprofit
If your business is a nonprofit, you must meet specific eligibility requirements. These include that you have not made any profits, and your primary purpose is not to benefit yourself or the people in your community.
Nonprofits include churches, synagogues, Islamic groups, local orchestras, and ballet companies. These organizations often have missions around their faith, such as seeking new converts or providing religious ceremonies and counseling.
Most of these organizations have a public benefit. They serve the community and can help to address critical issues like the environment, animals, human rights and child welfare (SHP is included).
You’re a Public Benefit Organization
A public benefit company (PBC) is a hybrid entity that combines the best qualities of nonprofit and for-profit companies. These organizations can be any size, typically tax-exempt and philanthropic. These include social service organizations, volunteer fire departments, museums and youth sports leagues.
PBCs are not for the faint of heart, however. They may be challenging to incorporate, and many states have a myriad of regulatory hurdles to overcome. For example, PBCs must submit a benefits report to their state government to verify that they are not merely cashing out on the public good. They are also subject to a hefty registration fee to be considered legitimate. Some may even be required to display a “Certified B Corp” logo.
You’re a Public Service Organization
If your business is a public service organization, you must meet some eligibility requirements before applying for a PPP loan. In addition, you must have been in operation since at least February 15, 2020, or you will be disqualified for any new funding under this program.
A public service organization is a business that provides goods or services to the general public and does not operate in more than one physical location. You must also have a minimum of 30 employees and work at least 30 hours per week to qualify for this program.
To get the most out of a PPP loan, you’ll want to keep accurate records of your expenses and income. This will help you ensure you spend your funds correctly and avoid an audit.
Redecorating a house and then experiencing that sense of pure delight when you walk into that house is one of the best feelings ever! Contrary to popular belief, you can go easy on your wallet and yet experiment with many fresh looks for a small house. With just a little planning and some patience, this is not as challenging as it seems! And no, you need not skimp on style for that. Explore the following ideas to spruce up your small house without breaking the bank. These remodeling ideas are pretty easy to tackle and mostly comprise playing around with things you already have.
1. Hang some artwork: easy and affordable, this is a great idea to revamp a house. A collection of well-chosen, unique art pieces will lend a busy look to the walls, giving the house a brand-new vibe. You can also choose some vibrant family photos for this purpose. Or, simply visit the local craft store and get your hands on some canvas paintings or framed artwork to hang behind your sofa bed.
2. Rearrange the furniture: instead of buying new furniture, you can play around with your existing furniture. For example, moving the sofa to the opposite wall can create a new focal point. It will break the monotony and give a new look to the house. Don’t be in a rush to check out the local furniture stores if you have hand-me-downs or if you can rearrange your existing furniture.
3. Use mirrors for visual space: look for some sneaky mirror placement tricks that create the illusion of a larger space. Oversized mirrors often give the impression of a larger room, making it look more spacious than it actually is. Any small room will appear bigger if you manage to get this trick right.
4. Make use of a partition shelf: when it comes to storage ideas on a budget, a partition shelf can prove to be a savior. Both functional and stylish, it not only offers ample space to display your decor accessories or other treasured items but can also act as a room divider, thus giving the impression of a larger space.
5. Turn to paper lampshades: this is yet another low-priced option with which you can lend a cute look to your small house. No matter what your decor style is, it is sure to complement your existing lights. If you have an eye for minimalism, go for white paper lampshades. On the other hand, if you have a country-style house, brighter colors should be preferred.
6. Upgrade old fixtures: simply installing new doors and drawer pulls can revamp or cabinet or drawer. These days, a wide variety of door knobs, drawer pulls, or handles are available to spoil you for choice. You can also experiment with light switch plates to give your house a new look without burning a hole into your pocket.
7. Repurpose old items: think twice before throwing away old items, as you can repurpose them to enhance the decorative appeal of your house. For example, old light bulbs can be used as candles with some basic modifications. Likewise, an old picture frame that you no longer use can be repurposed as a serving tray.
8. Use candles and flowers: even a small bathroom can get a whole new look if you place some flower arrangements and aroma candles on the counter. With these simple and budget-friendly steps, your bathroom will get a spa-like atmosphere. You can also keep a small potted plant with a fragrant herb.
9. Give your TV area a makeover: if you have a space crunch in the living room, buying elaborate television furniture does not make much sense. It will only end up as a futile investment. On the contrary, you can consider buying a wall-mounted shelf. You can store the CDs and remotes in the drawers. The wall-mounted TV can be framed on a light panel board with some backlighting. It will neither occupy too much space nor will it interfere with your other furniture arrangements.
10. Buy from thrift stores: these days, much to the delight of budget-conscious buyers, several thrift furniture stores have come up, many of which specialize in home decor goods. These spoil you for choice when it comes to buying second-hand furniture or decor items. If you have a keen eye, you can bag some amazing bedside tables, sofa bed, coffee tables, chairs, etc., at irresistible prices.
So before indulging in impulsive purchases, or even getting started with your agenda for renovation, make sure you take the above-mentioned points into consideration. The first step is to prioritize what you need and want in terms of decorating the house. These ingenious tricks will help you give your house a new lease of life, even on a shoestring budget. After all, a well-decorated house should not need to scream out loud; it is also about subtlety. Go for items that make for a lovely sight and have been chosen with intention.
Here are some of the most powerful and thought-provoking personal growth quotes to inspire, uplift, and guide you through life. These personal growth quotes will inspire and encourage you to take control of your life and help you on your journey to becoming the best version of yourself.
Also, check out our list of Mindset Quotes for more inspiration.
Feel free to share these personal growth quotes with your friends and family on Facebook, Twitter, Instagram, or Pinterest.
Personal Growth Quotes
1. “All growth starts at the end of your comfort zone.” – Tony Robbins
2. “Without continual growth and progress, such words as improvement, achievement, and success have no meaning.” – Benjamin Franklin
3. “The important thing is that we must be constantly moving forward – yes, the progress realization of a predetermined goal. And our growth should never end.” – Og Mandino
4. “Progress and growth are impossible if you always do things the way you’ve always done things.” – Wayne Dyer
5. “I’m a big believer in growth. Life is not about achievement, it’s about learning and growth, and developing qualities like compassion, patience, perseverance, love, and joy, and so forth.” – Jack Canfield
6. “Change is inevitable. Growth is optional.” – John C. Maxwell
7. “Strength and growth come only through continuous effort and struggle.” – Napoleon Hill
8. “All growth depends upon activity. There is no development physically or intellectually without effort, and effort means work.” – Calvin Coolidge
9. “Growth is the only evidence of life.” – John Henry Newman
10. “Growth can be painful, change can be painful but nothing is as painful as staying stuck somewhere you don’t belong.” – Charles H. Spurgeon
11. “Whatever makes you uncomfortable is your biggest opportunity for growth.” – Bryant McGill
12. “Growth is uncomfortable; you have to embrace the discomfort if you want to expand.” – Jonathan Majors
13. “We don’t grow old. When we cease to grow, we become old.” – Ralph Waldo Emerson
14. “Be not afraid of growing slowly, be afraid only of standing still.” – Chinese Proverb
15. “The key to growth is the introduction of higher dimensions of consciousness into our awareness.” – Lao Tzu
16. “We can’t become what we need to be by remaining what we are.” – Oprah Winfrey
17. “If you don’t like something, change it. If you can’t change it, change your attitude.” – Maya Angelou
18. “People are like dirt. They can either nourish you and help you grow as a person or they can stunt your growth and make you wilt and die.” – Plato
19. “Life is growth. If we stop growing, technically and spiritually, we are as good as dead.” – Morihei Ueshiba
20. “Everything about your life, about your body, grows! Your cells regenerate; your hair, your nails, everything grows for your entire life. And your soul needs exploration and growth. And the only way you’ll get it is by forcing yourself to be uncomfortable. Forcing yourself to get outside, out of your head.” – Mel Robbins
21. “There are no great limits to growth because there are no limits of human intelligence, imagination, and wonder.” – Ronald Reagan
22. “Conformity is the jailer of freedom and the enemy of growth.” – John F. Kennedy
23. “The journey is never ending. There’s always gonna be growth, improvement, adversity; you just gotta take it all in and do what’s right, continue to grow, continue to live in the moment.” – Antonio Brown
24. “Growth begins when we begin to accept our own weakness.” – Jean Vanier
25. “Change and growth is so painful. But it’s so necessary for us to evolve.” – Sarah McLachlan
26. “Don’t go through life, grow through life.” – Eric Butterworth
27. “What we fear doing most is usually what we most need to do.” – Ralph Waldo Emerson
28. “The man who views the world at 50 the same he did at 20 has wasted thirty years of his life.” – Muhammad Ali
29. “We should not judge people by their peak of excellence; but by the distance they have traveled from the point where they started.” – Henry Ward Beecher
30. “Life is all about growth and change. It’s not static. It’s not about some destination.” – Bill Burnett
31. “It’s a journey and a never-ending process because as a man, there’s always room for growth and improvement.” – Bruce Bryan
32. “Everyone wants to live on top of the mountain, but all the happiness and growth occurs while you’re climbing it.” – Andy Rooney
33. “Always realize that you can get better. Your best work has not been done yet.” – Les Brown
34. “You cannot grow unless you are willing to change. And you will not change unless you change something you do every day.” – John Maxwell
35. “Recognizing that you are not where you want to be is a starting point to begin changing your life.” – Deborah Day
36. “Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.” – Mark Twain
37. “If you don’t make the time to work on creating the life you want, you’re eventually going to be forced to spend a lot of time dealing with a life you don’t want.” – Kevin Ngo
38. “Unless you try to do something beyond what you have already mastered, you will never grow.” – Ralph Waldo Emerson
39. “The project you are most resisting carries your greatest growth.” – Robin Sharma
40. “It’s in the mistakes where the lessons are learned, where real growth begins.” – Joan Butman
41. “The transitions in our lives are often the most significant periods of growth. Leaving the womb, leaving home, going to college, one’s first job, getting married, . . . these are the moments when we are stretched and challenged in new ways.” – Edward A. White
42. “There are no mistakes in life, only lessons. There is no such thing as a negative experience, only opportunities to grow, learn and advance along the road of self mastery. From struggle comes strength. Even pain can be a wonderful teacher.” – Robin Sharma
43. “Make personal growth a daily priority.” – John C. Maxwell
44. “Invest three percent of your income in yourself (self-development) in order to guarantee your future.” – Brian Tracy
45. “All of us need to grow continuously in our lives. If you are the same person now that you were a year ago or even a day ago, then you are not growing.” – Les Brown
46. “Anyone can endeavor to learn something new each day and mark some growth.” – Wilferd Peterson
47. “Your mission statement is not static. Over a period of several years, your priorities and values are likely to change. That is good because change means growth. Your dreams change and, therefore, so do your goals.” – Nathan Arthur
48. “The ability to grow is directly related to the amount of insecurity you can take in your life.” – Bruce Jenner
49. “Take chances, make mistakes. That’s how you grow. Pain nourishes your courage. You have to fail in order to practice being brave.” – Mary Tyler Moore
50. “You grow from your mistakes and the next time you aim at a goal, you will know exactly what it takes to achieve it.” – Noah Daniels
51. “Becoming isn’t about arriving somewhere or achieving a certain aim. I see it instead as forward motion, a means of evolving, a way to reach continuously toward a better self. The journey doesn’t end.” – Michelle Obama
52. “The greatest thing in this world is not so much where we stand as in what direction we are moving.” – Johann Wolfgang von Goethe
53. “The journey of a thousand miles begins with a single step.” – Lao Tzu
54. “Don’t be afraid to give up the good to go for the great.” – John D. Rockefeller
55. “If you are not willing to risk the unusual, you will have to settle for the ordinary.” – Jim Rohn
56. “It does not matter how slowly you go so long as you do not stop.” – Confucius
57. “Growth is the great separator between those who succeed and those who do not. When I see a person beginning to separate themselves from the pack, it’s almost always due to personal growth.” – John C. Maxwell
58. “Life isn’t about finding yourself. Life is about creating yourself.” – George Bernard Shaw
59. “If we’re really committed to growth, we never stop discovering new dimensions of self and self-expression.” – Oprah Winfrey
60. “It takes courage to grow up and become who you really are.” – E. E. cummings
You may have mastered the creative aspect of your workflow, but it is equally important to focus on the business side in order to launch and sustain a successful career as a professional photographer. It may not be as exciting as the shooting or editing, but it is what will keep you going in the long run.
Many people have the misconception that photographers spend the majority of their time behind the camera. However, a significant amount of time is devoted to business tasks like invoicing, bookkeeping, marketing, and advertising. In this article, we will share with you eight business tips to help you begin and grow your business in the photography field.
1. Act Like a Professional
It takes a lot of hard work, determination, commitment, and enthusiasm to grow your photography business. Professionalism is the only way to get good reviews and create a successful business. That is why, as a professional, you should follow through on your obligations and provide your services on time. Show up as scheduled and always provide excellent customer service. Answer the phone on time, return calls, and be easily accessible.
2. Make a Business Plan
A successful business starts with a plan. That draft will guide you in building a solid foundation for your company. Write down your vision and business goals and work according to that outline to find a clear path to your destination. Check out this guide to get some ideas on how to design your business plan.
3. Create a Website
In today’s digital age, a website for your photography business is a powerful tool for sharing who you are and what you do with a global audience. Most customers these days will learn about your business and interact with you via the Internet. So, your website should showcase your work, include samples of your work, and provide information about your background and experience. Don’t forget to include contact information. If you are a complete beginner in this field, there are numerous tools available to help you build a website. For instance, check out this website builder and create your first business website.
4. Build Your Online Community
Social media is the best way to promote your business, especially when it comes to photography. Besides posting your work, you can create amazing content. Most likely, you already have at least a few followers. So, take time to communicate with your existing audience before you worry about attracting new followers. These people are more likely to share your work with their friends and fellows, attracting new potential customers to you. And don’t forget to add your socials on your website.
5. Be Open to Everything New
Broaden your horizons. Attend master classes, seminars, and exhibitions, and enroll in courses to improve your photography skills and expand your knowledge and network. Don’t dwell on Photoshop only, try different software to perfect your work. Master no less capable but easier-to-learn software, for instance, PhotoWorks. Beginner-friendly yet comprehensive programs of this kind can speed up your editing process. That way, photo processing won’t take up most of your time, leaving you time to grow your business.
6. Interact with Other Photographers
Interact with other photographers, no matter how many subscribers you have. You will be astonished to know that many people in the social groups are eager to know you or just open to interaction. Fellow photographers and other experts in your industry can give you constructive advice, helpful recommendations, and valuable knowledge. Use these insights to take your business to the next level. Plus, some creatives might know someone looking for your services, potentially resulting in a long-lasting business relationship or new referrals.
7. Come Up with a Pricing Plan
The most difficult question for every photographer is how much you should charge for your services. Especially if you are just starting your business. You need to determine how much one hour of your time costs. For instance, for every hour of your shooting time, you will spend about three hours editing photos. Plus, unexpected payments can hit you at any time, and taxes must be paid. These hidden expenses should also be considered, so keep that in mind. Just be clear about the cost of your services in your contracts to avoid any future complications.
8. Design Your Business Logo
The logo of your business will often be the first thing people see and should trigger their memories. You can design it yourself or sketch out a few ideas and ask a professional designer for help. But keep in mind that a successful logo should be simple, memorable, and represent what the company is all about.
In Conclusion
If you are a passionate photographer who is interested in starting your own photography business, these tips and advice we have given above should be helpful to you. Use them to help grow your business and establish yourself as a successful professional photographer.
When you feel like you’re in a rut, there might be all kinds of ways to rationalize why you feel as though you have to put your health and happiness on the backburner. Maybe you’ve got a lot going on in your professional or personal life. It’s also really common for people to just accept a continuous state of dissatisfaction, and they tend to give themselves permission to remain there just because changing one’s perspective and reshaping habits is extremely challenging. Nevertheless, there are a lot of different approaches to achieving positive changes in your life. Consider these strategies to break out of a rut.
Doing a Hard Reset on Your Routine
When you’re using electronic devices such as a laptop or a streaming device and it just gets stuck, what do you do? Once you’ve exhausted all of the easiest ways to get out of the application that isn’t functioning correctly, the next thing you’re probably going to try to do is reset it. In some cases, a reboot is the best way to restore your device’s full range of functionality.
Much like the technology that people rely most on in their daily life, your brain is an extremely intricate central processor. Even when you’re at rest, it’s hard at work carrying out a myriad of different functions all at once by transmitting electrical signals, producing hormones, and performing all of the other cellular activity that drives all of your movements and thoughts.
Do a hard reboot on your everyday routine. Starting to do things differently supports cognitive flexibility, even when you make seemingly minor modifications. It enables you to break away from the restraints of day-to-day life that have been keeping you in a rut.
Making a Great Escape on a Cruise Vacation
Consider taking a week to unplug from work or go on an exciting trip. Choose a destination where you’ve never been, but choose a travel option that will be comfortable. Thailand cruises with amazing scenery and beaches are an ideal way to embark on an exotic journey without venturing too far out of your comfort zone. Most importantly, it will give you time to focus on yourself while also having fun.
Cruises tend to be very social settings, so this fantastic option to escape from your routine could also give you a way to start projecting your very best self. Interacting with new people in a fun environment allows you to present and express yourself differently than you would when you’re surrounded by the people you see everyday who inform your self-perceptions.
Becoming More Active
Being physically active can enhance your energy levels and improve your mood, so it can help you build the momentum that you need to initiate meaningful life changes. If you don’t exercise often, getting into the swing of it might be tough initially. Find a format and setting that you enjoy to make whichever activity you choose more gratifying. Try a group activity or fitness class that gives you a chance to socialize.
Getting Excited About Learning New Things
Staying mentally stimulated is an excellent way to make your brain activity less rigidly patterned and feel more engaged with the world around you. Learning new skills like studying a new language or playing an instrument facilitates cognitive flexibility.
Simply learning more about things that you find interesting such as world history or astrophysics can rekindle your sense of wonder. When you spend time learning cool stuff rather than just scrolling social media or streaming shows that you’re not really into, you force your brain to be active. That activity and stimulation supports your mental health. Continually learning new information makes you more adaptive, and it helps you be a better problem solver.
Lastly, bear in mind that breaking out of a rut might not happen for you overnight. Keep making small changes, and your cumulative efforts to effect positive change can ultimately make a big difference in your quality of life.
In recent years, there has been a growing interest in ethical investing. This approach to investing involves selecting stocks of companies that prioritize ethical and sustainable practices while avoiding those that engage in unethical or unsustainable practices.
While ethical investing was once considered a less profitable investment strategy, it has become increasingly popular as investors seek to align their investments with their values and beliefs.
There are several reasons why investments in ethical stocks can be a smart strategy for long-term financial growth. Here are some of the reasons.
Ethical Stocks Perform Better in The Long Term
Companies prioritizing ethical and sustainable practices often perform better over the long term. These companies typically have better risk management and are more resilient in the face of challenges such as economic downturns, natural disasters, or changes in consumer preferences.
For example, companies prioritizing employee safety and well-being will keep their employees, reducing recruitment and training costs. Similarly, companies focusing on reducing their environmental impact may avoid costly fines and appeal to consumers who prioritize sustainability.
Companies With Strong ESG Outperform Non-ESG Companies
Studies have shown that companies with strong ESG performance are more likely to have better financial returns than those with weak ESG performance. According to a report by MSCI, companies with high ESG ratings outperformed those with low ESG ratings by 5.4% per year between 2007 and 2019.
Another study by Harvard Business School found that companies with strong ESG performance had a lower cost of capital, indicating that investors were willing to pay more for shares of these companies.
Investors Can Align Their Values with Their Investment Goals
Today many investors are willing to support companies prioritizing sustainability, social responsibility, and ethical business practices. By investing in ethical stocks, investors can put their money into companies that share their values and contribute to positive change in the world. This can lead to greater satisfaction and a deeper connection to one’s investments.
Enables You to Positively Impact society and the Environment
Companies prioritizing ethical and sustainable practices will positively impact their communities, including their employees, customers, and suppliers. For example, companies that pay fair wages and provide good working conditions can help reduce poverty and inequality. These companies can also contribute to a more sustainable future by reducing greenhouse gas emissions, conserving natural resources, and protecting biodiversity.
Investments In Ethical Stocks Are Less Prone to Financial Risks
By investing in ethical stocks, you can contribute to making a positive change while earning long-term returns. Investments in ethical stocks can also help mitigate risks associated with companies that engage in unethical or unsustainable practices. For example, companies that engage in unethical behavior, such as fraud or corruption, may face legal and reputational risks that can harm their financial performance.
Similarly, companies that engage in unsustainable practices, such as polluting the environment or degrading natural resources, may face regulatory or legal action and reputational damage. By avoiding these types of companies and investing in those that prioritize ethical and sustainable practices, investors can help reduce their exposure to risks.
Summary
Investing in ethical stocks can be a smart strategy for long-term financial growth and a way to align investments with personal values. Investments in ethical stocks are also an excellent way to promote a more sustainable and equitable future. As ethical investing continues to gain momentum, investors are embracing this approach, and more companies prioritizing ethical and sustainable practices are emerging.
No matter your sense of style, something about glowing and happy skin helps you garner the right kind of attention from everyone. But if you want to be asked about dropping your skincare routine wherever you go, you must follow certain tips to give your skin the care it needs.
To assist you with this self-care journey here is how to keep your skin radiant and youthful.
Only Use Specific Cleansers
While learning how to get rid of acne, dullness, or wrinkles, it is important to know that only designated cleansers can fight off specific concerns for you. For instance, using a salicylic acid cleanser on dry skin can irritate your skin further. Similarly, a heavily moisturizing cleanser for oily skin can lead to breakouts. Learn about various cleansers before putting them on your skin.
Protect Yourself From the Sun
Soaking up the sunlight is one of the best ways to get a sun-kissed look. But if you do so without proper protection, it can leave your skin looking dry, wrinkled, and riddled with age spots. To reduce the chances of sun damage, look into options such as mineral powder with SPF. This ensures that your skin is protected against the sun significantly and remains healthy and happy in the long run.
Drink Plenty of Water
Drinking water is good for your overall health and works wonders for your skin’s appearance. In addition to keeping your skin hydrated, the practice also helps you flush out harmful toxins from your body. As a result, you can obtain vibrant skin that glows from within. If you have problems drinking water all day, simply investing in a cute water bottle can help encourage you to remain hydrated on the go.
Prefer Eating Healthy Foods
Whether you are looking for tips to combat acne or suggestions to reduce the appearance of wrinkles, the advice to adopt a healthy diet stands front and center. When you eat foods that aid your blood flow, contribute to hydration, and reduce excess sebum production, you can get healthier skin in the long run. For some people, cutting down on dairy can also go a long way toward achieving clearer skin.
Get a Good Night’s Sleep
There is a reason why the phrase “beauty sleep” is so popular. It is because when you sleep properly, your body can optimally regulate your hormone and stress levels. This also ensures that your exhaustion doesn’t result in skin dullness or dark circles under your eyes. If you have problems sleeping at least 7 hours a day, look into solutions such as a memory foam pillow or mattress to aid your daily relaxation.
Consult Dermatologists for Skin Problems
From finding ways to reduce premature skin aging to exploring solutions to decrease dark spots, dermatologists can help you with all skin concerns specific to your case. This is why it is crucial to book an appointment with a qualified dermatologist before you try over-the-counter medications or complicated home remedies. This can also help you access prescription-strength retinol to treat acne and fine lines.
Adhere to a Regular Exercise Schedule
You may have heard about the benefits of exercise for your figure, joints, bones, and muscular strength. But when you get moving, you can reap many aesthetic advantages not tied to your measurements alone. Even running on a home treadmill daily can help improve your blood flow and stress levels, giving your skin a healthy glow. This makes it a critical yet easy tip to follow for beautiful skin.
These suggestions don’t stress you out but still deliver remarkable results. By adopting and practicing these tips long-term, you can see your skin become healthier each day.
Are you in the market for some new furniture but need to figure out how you should go about making your purchase? Throughout the years, the way we buy furniture has changed dramatically. There are advantages and disadvantages to visiting stores in person to shopping online.
Let’s face it—furniture can be an intimidating purchase. Not only is it expensive, but it’s also something you’ll be living with for a long time. That’s why it’s crucial to decide where and how to buy your furniture.
In this article, we’ll discuss the pros and cons of buying furniture online and in-store so that you can decide which is best for you. We will also provide tips for making your shopping experience as stress-free and enjoyable as possible, regardless of your route.
Pros and Cons of Buying Furniture Online
When buying furniture, you have two big decisions: shop online or head to the store. Each has pros and cons, and the perfect choice for you will depend on your preferences and needs.
Online Shopping for furniture gives you access to a massive variety of options from the comfort of your home. Plus, it’s often cheaper and saves time from travelling back and forth from the store. However, it can be hard to tell the quality of something just from a picture, and you might need help returning an item if it doesn’t fit your space or doesn’t look like what you expected in person.
On the flip side, when you shop in-store, you get a firsthand look at pieces before buying them. You can see how sturdy they are; check out fabrics up close and get a better sense of how they’ll look. But there’s usually less choice on display at any given time—and while shopping this way can be more enjoyable, it can also be more time-consuming. If you want to read customers’ reviews after purchasing furniture online, click here.
Pros and Cons of Buying Furniture Instore
Shopping for furniture in-store has a few clear advantages. Firstly, you can physically see, touch, and feel the furniture. This helps you get a better sense of the piece’s quality, size, and look—which is hard to gauge when shopping online. Additionally, you have many more options when shopping in-store—not all furniture is available online.
On the other hand, there are also some drawbacks to be aware of. Going Shopping means physically venturing out to stores – a process that can be time-consuming and expensive if you’re not located near a good store. You may also be charged extra fees, such as delivery charges, if you’re unable to take the item home yourself. Lastly, stores may run out of stock or limited-edition pieces may be sold out before you have time to buy them.
Cost Comparison: Online vs Instore
When it comes to the cost of buying furniture, you may be wondering if it’s better to shop online or at the store. It depends on the item you’re purchasing and if there are any discounts or offers available.
Online
Online retailers may offer more competitive pricing because they don’t have as many overhead costs. You can also take advantage of promotions and discounts like free shipping or sales that might not be available in a physical store. You can check multiple sites and compare prices before making a purchase.
Instore
In-store purchases often come with instant gratification, depending on the store’s inventory. This can be helpful when buying furniture that doesn’t work in your space or isn’t quite what you expected—you return it immediately. Additionally, you have the opportunity to inspect items closely before buying them. It may also be possible to negotiate a better price with the salesperson, while online deals are usually fixed-price.
Delivery & Assembly Considerations for Online Shopping
As you’re considering whether to buy your furniture online or in-store, it’s also essential to think about the delivery and assembly of your purchase. This is a crucial part of the shopping process that should be noticed.
When buying furniture online, it’s essential to understand what delivery and assembly options are available. Some companies offer delivery and setup services for an additional fee, while others will require you to do all the work yourself. Be sure to ask what’s included in the price before placing your order.
If you need the tools or skills necessary for furniture assembly, opting for a service with professional delivery and setup can be worth the extra expense. It can save time, headaches and money in the long run and help ensure that your furniture is put together correctly for maximum durability.
So when it comes time to decide about buying furniture online or in-store, weigh these factors carefully—it will make all the difference in how satisfied you are with your purchase!
Tips for Smart Shopping: Online or Instore
When it comes to Shopping for furniture, there are pros and cons to buying online or in-store. Ultimately, it comes down to preference and what you’re looking for—so here are a few tips on how to shop brighter for furniture in either shopping situation:
Online
If you want to buy furniture online:
Make sure you know exactly what you’re looking for.
Shop around and compare prices first since shopping online offers the convenience of quickly seeing many different pieces.
Check the product descriptions in detail and read customer reviews of items you are interested in.
Make sure they have information about delivery charges and timeframes as well.
Also, double-check the return policy if something doesn’t go as planned—some stores have restocking fees or tight return deadlines that could eat into your budget if not considered before making a purchase.
Instore
Visiting a retail store gives you hands-on experience with furniture—you can test it out for yourself and get an idea of comfort level or measurement issues that might not be obvious from an online picture alone. Plus, when you’re in the store directly talking with a salesperson, they can help guide you through different models and prices of similar products (which is always helpful).
It’s always wise to double-check the specifications listed on any tags with the item; only assume everything was made according to those parameters once you take a look yourself. And remember about warranties! Many stores offer warranties on certain items—remember to keep track of all those documents in case anything goes wrong.
Conclusion
The best option for you depends on your situation. If you’re looking for something quickly, buying in-store might be your best bet. However, if you’re OK with waiting for delivery and researching for the best deals, shopping for furniture online could be the way to go.
No matter your choice, a little preparation and research can go a long way. Consider your budget, and do your homework to find the best possible furniture choices and deals—both online and off. Shop smarter, not more complex, and you’ll come out with the furniture of your dreams.
When it comes to personal wealth and securing your financial future, investing your money is what the experts swear by. They make it sound easy but the truth is your savings are precious, you aren’t going to hand them over to just anyone. Researching investments is overwhelming with so many investment options and risks to assess, making moving your savings into a more lucrative nest egg daunting.
As hard as it might be to learn to invest it is essential that you take the step to understand investments. No investment comes without risk and there are no money-back guarantees.
A bank savings account might be the safest option, however, it’s not going to provide you with any significant financial growth. Let’s take a look at investment options for your money so you can start putting your rainy-day funds to work…
What is investing?
Investing is putting money aside so that it grows, giving you a nice profit for the future.
Investments come in all shapes and sizes, can be purchased and sold alone or with others and have different maturing times and profit margins.
Where you could invest your money
There are a large number of options for where you could invest your money. The best investments are the ones that correctly match your budget and personal preferences. Think about what you want to achieve and why you are investing. This will help you decide the timeframes you want to follow and the best assets to meet your goals.
Some of the most common investment options in Australia are:
Cash
Cash investments are stable, safe and relatively predictable but the price for that security is a much lower return. Usual cash investments are bank term deposits or managed funds. The benefits are that you can access your money quickly.
Fixed interest
Fixed interest investments (also known as bonds) are when your money is on loan to a chosen government or company. The company uses your money to increase their business strength and in return, they give you regular interest payments. Your investment will be held under a contracted length of time and returned to you at the conclusion of the agreement.
Shares
Investment shares (also known as stocks or equities) are where you pay to own a portion of a company. As a shareholder, you become invested in the company’s success with your shares increasing or decreasing with their growth or decline.
Property
Investment property ownership is a favoured one for many Australians as property purchase and ownership feel familiar. As well as the long-term asset of owning the land there is also rental income. As well as direct property investments you can also invest in real estate mutual funds (REITs) with less risk and smaller outlays.
What to consider before investing your money
There is no formula way to invest to see results, instead, it’s about finding the perfect investment choice for your lifestyle, budget and future financial goals. To get a good match you need to carefully consider the best investment style, risks and what you can afford to pay.
As a baseline, you need to factor in:
Passive vs active investing styles
Choosing between passive and active investing styles comes down to how much time you want to spend.
Active investments rely on strategy, time and research. You can make a lot of money buying and selling stocks but you’ll be putting in a lot of work and research to accurately pick the right times to invest and offload your assets.
Passive investments are the type where your money matures on its own (like bonds), or because you pay someone else to handle it all for you (as with mutual funds).
Your budget
The amount you choose to invest needs to reflect your budget and the value of the asset.
Before you invest, set aside personal funds to see you through an emergency, such as job loss, dental work or car repairs. It’s also wise to pay down any high-interest debts before you assign money to investments. There is no point earning 9% on stock and paying 16% on your credit card debt.
Your risk tolerance
How comfortable you are with risk will help determine which investment type is right for you. The level of risk is usually in direct correlation with the returns. Finding a balance you are comfortable with is key. Beginner investors can find a robo-advisor and brokers helpful as they can formulate an investment plan that takes risks and goals into account.
Tax implications
As well as the money you have coming in from your investments you need to consider the tax that comes out. Calculating taxes before you invest can give you a better understanding of your overall obligations and how they will affect returns including income tax, GST, stamp duty and capital gains tax.
Tips to getting started in investing
Before you start there is a lot of research to do including what you want to achieve from your investments and how much money you want to make and how you will go about making it.
Identify your financial goals
Know your current financial situation and how much you can afford to invest and work from there to develop some goals for where you want to be – and by when. Consider what you will be using the money earned from investments for; retirement, to give to your children, to go on holiday. This will help assess the right risk and return.
Decide on the management approach
Do you want to handle your assets yourself, have someone manage things with you or have a professional manage your investments for you? You can use a broker or a bot where algorithms and software make decisions for you.
Pick the type of investment account
Buying stocks and bonds usually requires an investment account. There are few to choose from with different benefits, fees, terms and conditions. Make sure you read the fine print carefully and match the account to your goals.
Diversify your portfolio
One thing you’ll hear a lot as you learn how to invest is diversification. What that means is to spread your investments out across different asset types so that if there is a loss in one area, you still have other areas of growth to rely on. While diversifying your investment portfolio is recommended it takes time, research and money to get that far. In most cases, you will build your portfolio piece by piece.
There is no way to really be sure of a return on your investments, especially when you are new to investing and still finding your way. A nationally accredited course will help you invest with confidence by helping you put a strategy in place to build your wealth over time.
Being a digital nomad is an exciting and rewarding lifestyle. You travel the world, meet new people, immerse yourself in unique and colorful cultures, and experience unforgettable adventures of a lifetime without compromising your financial freedom.
However, it’s not always easy. One of the biggest issues that digital nomads face is homesickness. It can strike anytime, anywhere. One day you’re having a blast, and then suddenly, you’re feeling anxious, uncomfortable, and out of place. Out of nowhere, you have an intense longing for your friends, family, and familiar surroundings.
If you’re feeling this right now, don’t worry; it’s normal and happens to the best of us. Being a digital nomad means stepping out of your comfort zone, so it makes sense to look for the things and people that make you feel safe from time to time. Fortunately, there are many ways to fight homesickness available for digital nomads.
Will Cotter runs his professional home cleaning company, FreshSpace Cleaning, remotely while traveling in different countries across the globe, including Poland, Budapest, Hungary, The Canary Islands, and Thailand. In this article, he shares his travel secrets on how to overcome sickness when he’s traveling.
Establish an informal routine
One of the upsides of being a digital nomad is that you don’t have to have a set schedule or everyday routine like you would if you were working in an office. While this works for others, some people may eventually find it chaotic and overwhelming in the long run. However, creating a routine for yourself even when traveling can help you feel more grounded and engaged and, as a result, less homesick. For example, decide that no matter where you are, you’ll dedicate your mornings to coffee runs, jogging, sightseeing, and touristy stuff, then reserve your afternoons for work commitments, or vice-versa.
Make new friends
Meeting new people can be a great way to combat homesickness. Not only does it give you someone to talk to and hang out with, but it also lets you feel more connected to the place you’re in. So look for local events, join a co-working space, or even use apps like Meetup to find people who share your interests.
Stay active
Traveling is beneficial for your health, but exercising while doing it is even better, plus it’s also a great way to put your mind off homesickness. It releases endorphins that can help improve your mood and push you to stay healthy and energized. Look for local gyms and yoga studios, or even go for a run or a walk outside. If you’re feeling adventurous, try a new activity like surfing, hiking, or rock climbing.
Keep in touch with loved ones
Thanks to technology, it’s easier to stay connected with people even when you’re on the other side of the world, so you don’t miss them too much. Use video chat apps like Skype, Zoom, or FaceTime to regularly talk to your friends and family. In addition, it can be helpful to schedule a regular time to speak so that you always have something to look forward to.
Practice self-care
Don’t forget to take care of yourself. Being a digital nomad can be stressful. That’s why evaluating and attending to your physical, emotional, and spiritual needs is essential. It might mean getting a massage, taking a bubble bath, meeting with a local monk, going on a hike to do some forest bathing, walking along the beach to do some grounding therapy, or even just taking a day off work to do nothing so you can relax and recharge.
Final Thoughts
Embracing life as a digital nomad promises bold and extraordinary experiences. Homesickness may be the price you have to pay, but rest assured, it’s worth it. Hopefully, by following these practical travel tips, you can enjoy your digital nomad lifestyle to the fullest.
Modern nursing degrees have several implications for the healthcare business. They teach new skills and competencies, such as working in various contexts. Critical, emergency, hospital, long-term, and community health care are examples. Some of the impacts are also cost-related.
Diversity in the nursing workforce
Diversity in the nursing workforce is crucial to providing quality health care. Not only can it enhance patient satisfaction, but it can also reduce health disparities. Diverse nursing staff can offer nurses deeper insights into their patients’ cultures and histories, which can improve healthcare delivery.
Healthcare is no exception to the increasing diversity of the population. According to the U.S. Census Bureau, half of the country will be a minority by 2044. To address this growing demographic, a more diverse nursing workforce is essential.
When developing a successful multicultural program, various elements must be considered. But more than just a checklist, an effective multicultural program must facilitate policies and rules to promote cultural competency.
Competencies beyond acute care settings
Today, the field of modern nursing degrees has undergone many changes. A baccalaureate degree is a minimum preparation required for a professional nurse. Depending on the setting, nurses may decide to advance their education.
Increasing numbers of recruits are coming to the profession. As a result, the nursing industry is faced with a shortage. Employers are seeking to hire qualified nurses with the proper skill set. They are also facing economic challenges.
While it is true that today’s healthcare systems are challenging and evolving, nursing remains a vital health profession. It aims to maintain the health of individuals, families, and communities. In addition to offering conventional services, it also provides health promotion and disease prevention.
To meet the demands of this increasingly complex field, educators must develop strategies that integrate theory into practice. Incorporating evidence-based educational methods will help them ensure the safety and quality of patient care.
Ph.D. in Nursing
Currently, the nursing field faces several challenges, including a shortage of nurses. This shortage can be attributed to the need for more faculty members at nursing schools. Therefore, educators must adopt evidence-based educational strategies and integrate theory into practice.
As a result, a new type of doctorate was created in nursing. It is called the Ph.D. in nursing.
The Ph.D. in nursing provides a nurse with advanced academic training and research skills. After graduating from the program, nurses can continue researching to improve patient care. They may also teach aspiring nurses. Moreover, a Ph.D. in nursing can lead a healthcare organization.
Nursing education is crucial in equipping nurses to satisfy patients’ needs. Moreover, the nursing milieu must track changes in the healthcare system.
On-site BSN programs
As the nursing profession continues to expand, a key challenge will be increasing the number of nurses with a BSN. It is a critical need. Nurses are essential to safe patient care, but there still needs to be more nurses to meet increasing demand. A better education system is required to promote seamless academic progression.
To ensure the future of nursing, the profession must advance the science of patient care. Nursing curricula must be adaptive to changing healthcare practices and evaluative standards. There are several pathways available for R.N.s to earn a BSN.
One option is to earn a diploma or associate degree in nursing (ADN) from a community college or hospital. Many hospitals have joint arrangements with local universities and colleges. These institutions can ensure students receive high-quality associate nursing education.
Costs of nursing and medical education
In many cases, nursing and medical education costs factor in deciding whether to go to school and affect the student’s future income. Tuition and fees can range from hundreds to millions of dollars depending on the program and location.
In addition to tuition, students may need to cover textbooks and lab supplies fees. A stethoscope, for example, can cost upwards of $90. A background check and a T.B. test are often required, and students must buy uniforms.
Apple cider vinegar is a common term in many homes. Its uses range from an ingredient for cooking to natural remedies for diseases and skin care products. The following are the four main benefits of apple cider vinegar, according to scientific research.
Helps Destroy/Kill Harmful Bacteria
For centuries, people have used apple cider vinegar as a disinfectant, to kill bacteria and harmful germs. Some people even use it to heal lice and treat ear infections. Apple cider vinegar is also a natural food preservative. According to studies, it may destroy and kill E-Coli, a bacteria responsible for food spoilage.
Promotes and Improves Skin Health
Naturally, the skin is slightly acidic. Due to climate and weather conditions, it might be prone to dirt and other factors that may alter its PH. Using apple cider vinegar may help balance skin PH.
Eczema is a skin condition that causes the skin to be sensitive and irritant. Using some soaps and cleansers worsens the situation. Some people have successfully used apple cider vinegar instead of soaps and cleansers. The antibacterial properties of apple cider vinegar perhaps are responsible for solving skin conditions.
Diluting apple cider vinegar with water can be a skin toner too. Some people use it as a face wash. However, it might cause more harm than good to your skin. There have been complaints of dryness and itching after using the vinegar. It is recommended that you seek the dermatologist’s advice before you start to use apple cider vinegar.
A Remedy for Heart Diseases in Animals
Animal studies indicate that heart diseases are among the leading causes of animal deaths.
According to the studies, apple cider vinegar can control and heal many heart diseases in animals. For example, A study on rats found that adding vinegar to their diet reduces their blood pressure. Blood pressure is responsible for rodents’ heart diseases and other deadly ailments.
It May Control Diabetes and Sugar Levels
High sugar levels cause many chronic diseases in humans and animals. Taking apple cider vinegar may help keep sugar levels under check. You can manage sugar levels by avoiding sugary foods and refined carbohydrates. Exercising and taking apple cider vinegar capsules may also help.
Research has shown that:
Taking apple cider vinegar after high carb meals may improve insulin sensitivity.
Diabetic patients may reduce fasting blood sugar by taking two spoons of apple cider vinegar before sleeping.
Taking apple cider after meals may possibly reduce blood sugar levels.
A study showed that taking apple cider vinegar after taking white bread may lower blood sugar by a significant percentage.
How to Use Apple Cider Vinegar and the Dosage
The simplest yet most effective way to use apple cider vinegar is by using it in cooking. For example, you can add it to homemade mayonnaise or in salads. You can also dilute it in water and drink it as a beverage. The typical dosage is 1 -2 spoons in a standard glass of water.
It is recommended you start with a small amount and avoid large dosages. Too much apple cider may cause tooth enamel erosion. Other side effects of apple cider vinegar include skin burns and low potassium.
Final Thoughts
Apple cider vinegar may possibly be considered a remedy for managing sugar levels, controlling blood pressure, and killing bacteria. It remains safe and beneficial if you use the correct dosage. Besides the health benefits, it has other excellent uses like a natural skin cleanser, toner, and hair conditioner.
Just as routine oil changes are important to maintain the longevity of your vehicle, applying car sealant to the pipes, seams, chassis, and underbelly of your vehicle is important to prevent unnecessary metal deterioration. Car sealant is often used as a protective layer for exterior paint; however, it is also used to shield the underside of your car from corrosion that can lead to serious functional damage.
The First Line of Defense Against the Elements
Undercoating is the process of creating a barrier against the elements on the underside of your vehicle. The underbelly of your vehicle is subject to corrosion and rust due to asphalt, gravel, salt, and moisture exposure. This constant exposure can cause serious metal rot if left unchecked.
Applying a simple coat of car sealant to the pipes and seams of your vehicle can save you money and increase the operational life of your vehicle. Although the chemicals used to de-ice roads create safer driving conditions, they wreak havoc on the metal parts of your car. Salt, ice, and rain create the perfect storm for corrosion and rusting. According to a AAA survey, drivers in the United States spend over $15 billion in repairs due to rust each year.
The Different Methods of Undercoating
Car sealant is typically reminiscent of custom paint jobs; however, it plays a more important role in undercoating your car. There are several ways to shield your car, including:
Rubberized Undercoat Sprays: These rubberized sprays are infused with solvents and protectants and strongly adhere to surfaces. Once cured, this tar-like substance acts as a protective barrier against caustic elements.
Lanolin Wax or Grease: Lanolin is a wax-like substance derived from sheep glands. It can fill and coat all the nooks of the chassis to prevent corrosion. The only downside is its long curing time.
Dripless Oil Spray: Once fully cured, oil sprays from a hard, colorless coating that can repel moisture for years.
While auto dealers often offer an OEM undercoating package, it is recommended to forgo this offer and perform the undercoating yourself. With the proper car sealant, you can save money by applying the protective coat on your own.
The Times to Apply Car Sealant
Understanding when to undercoat your car is important. It is best to apply a sealant to vulnerable areas as soon as possible. Undercoats are not as effective once corrosion is already present. With that said, premium sealants can still prevent further damage from occurring in parts that have already experienced some rust or corrosion.
Undercoating should be applied every year to maintain a proper barrier. If you do not drive often or if you live in an area that has less rain, salt, and snow, you can extend the time between car sealant applications. The best time to undercoat your car is in the summer or spring before roads get treated with salt in the winter.
The Place for Premium Car Sealant
ROGO has curated a line of top-notch sealants and sprays to apply undercoats by yourself. For questions on the best car sealants, contact their team today.
The International Baccalaureate (IB) program is a rigorous and challenging academic program designed to prepare students for success in university and beyond. One of the key components of the IB program is math, which is an important subject for developing critical thinking, problem-solving, and analytical skills. To succeed in the IB program, it is essential for students to develop effective problem-solving techniques that they can use to tackle complex math problems.
Problem-solving techniques for the IB program can help students to approach math problems with confidence and success. By understanding the problem, identifying knowns and unknowns, drawing diagrams, using problem-solving strategies, checking their work, and practicing regularly, students can become proficient problem-solvers and excel in their studies. In this way, problem-solving techniques are an essential tool for students who are looking to succeed in the IB program and beyond.
Investigating math problem-solving techniques for the IB math program can be a valuable tool for students who are looking to succeed in their studies. Here are some techniques that students can use when approaching math problems in the IB program:
Understand the problem: The first step in solving any math problem is to understand what is being asked. Read the problem carefully and make sure that you understand the problem statement and what is being asked.
Identify knowns and unknowns: Once you understand the problem, identify what you know and what you need to find out. This can help you to determine what equations or formulas you need to use.
Draw a diagram: For problems that involve shapes or figures, it can be helpful to draw a diagram to visualize the problem. This can help you to better understand the problem and identify key information.
Use a problem-solving strategy: There are many problem-solving strategies that can be used to solve math problems, such as trial and error, working backward, or breaking the problem down into smaller parts. Choose a strategy that works best for the problem at hand.
Check your work: Once you have solved the problem, check your work to make sure that your answer is reasonable and makes sense.
Practice, practice, practice: The more you practice math problems, the more familiar you will become with different problem-solving techniques and the more comfortable you will be with tackling new problems.
Investigating math problem-solving techniques for the IB program can help students to develop the skills and strategies needed to approach math problems with confidence and success. By understanding the problem, identifying knowns and unknowns, drawing diagrams, using problem-solving strategies, checking their work, and practicing regularly, students can become proficient problem-solvers and excel in their studies.
Attitude plays a crucial role in problem-solving math in the IB program. Here are some ways in which attitude can impact problem-solving:
Positive attitude: A positive attitude can help to build confidence and motivation when tackling challenging math problems. Students who approach problems with a positive mindset are more likely to be persistent in finding a solution, even when faced with obstacles.
Growth mindset: A growth mindset is a belief that one’s abilities can be developed through dedication and hard work. Students with a growth mindset are more likely to see challenges as opportunities to learn and improve, rather than as roadblocks to success.
Persistence: Persistence is key in problem-solving math. Students who are persistent in their approach to problem-solving are more likely to find a solution, even if it takes several attempts.
Willingness to learn: Students who are open to learning and trying new problem-solving techniques are more likely to succeed in the IB program. A willingness to learn can help to build a foundation of knowledge and skills that can be applied to a variety of math problems.
Confidence: Confidence in one’s ability to solve math problems can help to reduce anxiety and stress, allowing students to focus their energy on finding a solution.
Overall, a positive attitude and a growth mindset can help students to develop the persistence, willingness to learn, and confidence needed to succeed in problem-solving math in the IB program.
Time management is a crucial factor in math problem-solving in the IB program. Here are some ways in which effective time management can help in problem-solving:
Prioritizing problems: By prioritizing problems, students can focus on the most important and challenging problems first, allowing them to use their time more efficiently.
Breaking down problems into smaller parts: Breaking down problems into smaller parts can help students to manage their time effectively, allowing them to make progress on a problem even if they don’t have a lot of time to work on it.
Staying on task: By staying focused on the problem at hand and avoiding distractions, students can maximize the time they have to solve the problem.
Avoiding procrastination: Procrastination can lead to wasted time and unnecessary stress. By starting on problems early and working steadily, students can avoid the pressure of rushing to finish problems at the last minute.
Practicing time management: By practicing time management regularly, students can develop good habits and strategies for managing their time effectively. This can help them to stay on track and make progress towards their goals.
In summary, effective time management can help students to make the most of their time and improve their problem-solving skills in math. By prioritizing problems, breaking them down into smaller parts, staying on task, avoiding procrastination, and practicing time management regularly, students can develop a strong foundation for success in the IB program and beyond.
There are a variety of ways that you can handle your asset management. You can handle all of it on your own if you like. However, you can also set up a trust and let someone else take care of it as the trustee. It is essential you choose someone that you can trust with your assets.
It is also a good idea to choose someone with some asset management experience. A trustee has a number of important responsibilities that they have to fulfill when managing your assets. Let’s get into some of the responsibilities you should expect a trustee to handle with regard to asset management.
Trustees Handle Investments
When discussing trustee services, one of the responsibilities that the trustee has is to handle investments as the grantor wishes. The grantor is the person who actually owns the assets that the trustee is managing. The trustee has to invest assets as the grantor wishes since the trustee is the one who manages the assets.
Additionally, the trustee also has to adjust or allocate investable assets according to what the grantor wants. It is worth pointing out that the trustee cannot decide to invest assets on their own. Only the grantor can make that decision and the trustee has to carry it out using the assets in question.
Trustees Have to File Reports to Federal and State Regulators
Another thing that the trustee has to do is file reports with federal and state regulators as necessary. The trustee has to make sure that the information about the trust is reported accurately and on time to these regulators. You can learn more about the Federal Deposit Insurance Corporation’s guidelines about trusts here. In addition to that, the trustee also has to update the beneficiaries about the trust on a regular basis. The beneficiaries should know the state of the assets in the trust.
Trustees Talk to the Beneficiaries
Something else that the trustee needs to do is communicate with the beneficiaries on a regular basis. It is essential that the trustee should start this communication and not wait until the beneficiaries contact them. The trustee can reach out to the beneficiaries via phone calls, email, text messages, and more.
The trustee should use whatever form of communication helps them reach the beneficiaries most effectively. The trustee needs to inform the beneficiaries about the grantor’s wishes when it comes to the trust. Additionally, the trustee should also be able to answer any questions that the beneficiaries may have for them.
Trustees Have to Keep Assets Safe
The trustee also has to ensure that the assets in the trust are kept safe. This means that the trustee has to be able to account for all of the assets within the trust. The trustee has to know who the beneficiaries of the trust are and understand what rights they have when it comes to the trust in question. Trustees have to make sure that the trust’s assets remain separate from the grantor’s other assets, as well. This is a vital responsibility of the trustee.
Trustees Have to Administer the Grantor’s Trust Properly
Naturally, the trustee has to administer the grantor’s trust properly, too. This can mean a number of things. The trustee has to ensure that they keep accurate records of all the transactions that affect the trust.
It is crucial that the trustee securely stores these records so that no one can gain unauthorized access to them. The trustee also has to distribute assets as needed in accordance with the wishes of the grantor. This is another reason why it is vital for the grantor to choose a trustworthy trustee or trustee service provider.
The housing market is highly competitive with a lot of factors to keep in mind. When purchasing a property your considerations will likely include factors such as the location of the home, local amenities, school districts, access to interests and other means of transportation, local retail locations, and more. In addition, there are finical aspects such as the cost of the property, the amount of your down payment, closing costs, and interest rates.
Interest rates in particular have become a widely discussed topic. Increasing interest rates (which are tied to inflation) have affected many industries and consumer products. Questions on increased interest rates 2023 can be a deciding factor in whether you purchase a home and if so what you are looking to spend.
The 2023 Housing Market Points To Know
Buyers are Cautious But Willing To Buy:
When interest rates increase, buyers become more cautious. While there remains a healthy amount of new and first-time home buyers the higher interest rates have made them more selective and more likely to wait things out. Some would-be buyers are afraid they will buy before rates start to decrease and others prefer to wait for that to happen before making a purchase. Some buyers will grow impatient and realize rates are not decreasing to choose to act. This can create situations where supplies go down due to several buyers entering the market at the same time. Simply, some buyers are not willing to wait another year to buy a home and are willing to take a risk in a less-than-ideal environment. Plus, some buyers do benefit from the current environment due to less competition and a greater ability to negotiate. While higher interest is a trade-off there are advantages to being willing to buy a home now.
Interest Rates:
The need to fight inflation has led to the government increasing interest rates which have impacted many aspects of the broader market. Predictions point to interest rates continuing to increase. How much interest rates increase and when they start to come down is hard to predict. Some have predicted only minor increases in the increasing interest rates while others predict interest rates for homes growing as high as 9 percent. There is good news though. The housing market has started to level off and homes are no longer selling at amounts far above their appraised value. In addition, if interest rates climb, this will create a somewhat flat market where supply and demand both decrease. There is also a good chance that even if a home is purchased with a high-interest rate the chance to refinance in the future when rates come down is relatively high.
What The Future Holds:
Predicting the future of any market is no sure thing. However, given current trends, many industry experts predict that 2023 will be a busy year at certain points The spring market looks like it will be busier than Fall as it relates to home purchases. While some markets may see prices stabilizing or even falling, many of the busier markets will remain hot. A key factor that industry experts are paying attention to is federal interest rates. Once rates begin to fall the market will see an increase in purchases as many buyers are waiting for this moment. Depending on government activity, this could be in late 2023 to 2024 as interest rates start to come back down. However, this does depend on outside factors such as inflation.
Final Thoughts
The current housing system is facing a bit of uncertainty. But even in an environment where interest rates are high, there are still deals to be found and the decrease in interest rates in the future allows further opportunities such as buying or refinancing.
Your habits shape your day and give rhythm to your life. Good habits raise you up and make your daily chores that much easier, while bad habits make the challenges in your life that much tougher.
Unfortunately, breaking bad habits is notoriously difficult. Unhealthy habits like binge eating undermine your health, sap your energy, and ruin your teeth. However, millions of us still overeat and reach for the cookie jar when we’re feeling bored.
That said, breaking up with bad habits and leading a healthier lifestyle is possible. Even if you have a poor health history, you can make a change today and start experiencing the joy of healthy living.
Why Bother?
Living a healthier lifestyle isn’t easy. Even small changes, like reducing the amount of sugar you eat, can feel like a herculean effort in the early stages. However, leading a healthier lifestyle is proven to extend your lifespan, improve your quality of life, and reduce your risk of chronic illnesses.
Leading a more active life can also increase your physical strength, help you manage your weight, and improve your mental health. Getting up early and working up a sweat improves your mood throughout the day and helps you feel calmer.
Even small changes, like reducing the amount of alcohol you drink, can have a profound impact on your overall well-being. Alcohol is proven to depress your central nervous system (CNS) and disrupt your digestive system. This can have a knock-on effect on the rest of your life, as you’ll be less likely to form strong relationships and may find it difficult to socialize due to conditions like gastroesophageal reflux disease (GERD).
Where to Start
Millions of people want to form healthier habits, but don’t know where to start. Researchers suggest that cue-response habit formation is the best way to start leading a healthier lifestyle.
Cue response simply means that every time you do action “A” you also do action “B”. For example, every time you get in the car (action “A”) you put your seatbelt on (action “B”). Over time, the actions become automatic — when was the last time you had to think about putting on your seatbelt?
You can use this principle to achieve your health-related goals. For example, if you want to drink more water during the day, try to find cues to help you pick up the water bottle. If you work in sales, take a drink every time you finish a call. Or, if you work in retail, take a drink after every time you help a customer.
Over time, your response to cues will become automatic and you’ll form a healthy habit that requires no mental energy to maintain.
Finding Joy
The idea of “healthy living” often means that you have to go without. You have to reduce your consumption of fast food, cut down on sugar, quit smoking, and drink less alcohol. Unfortunately, all of these behaviors are inherently negative and focus on what you “should not” do.
However, a Harvard study shakes up that paradigm and reasserts the power of joy in habit formation. The longitudinal study began in 1938 and published its results in 2017. After collecting a lifetime of insights, researchers found that “people’s level of satisfaction” was “a better predictor of physical health than their cholesterol levels were”.
Researchers also found that loneliness was as detrimental to human health as smoking or alcoholism. Conversely, healthy relationships were found to have a shielding effect on brain health and well-being.
The takeaway from the study is clear: focus on the behaviors and relationships that bring you joy. Eat healthy foods because they make you feel good and boost your energy; exercise because you get to meet interesting people; drink water because it hydrates your body and focuses your mind.
You don’t have to give up your vices altogether, either.
Instead, modify your crutches to bring greater joy and health to your life. For example, if you love nothing more than espresso, consider making healthier coffee at home. Use low-calorie sweeteners in place of sugar, add cocoa and cinnamon instead of syrups, and make your own frappes without the added sugar. Offer up your homebrew to your friends and family to strengthen your relationships and dispel loneliness from your personal network.
Build a Team
Old habits are hard to break; they’re even tougher to crack if you’re trying to do it alone.
Let the folks who are closest to you know that you want to make some lifestyle changes and that you need their help to see it through. For example, if you want to cut down on junk food, let your partner know that you don’t want junk food to come into the house during your diet. Or, if you’re trying to exercise more frequently, involve your kids and let them brainstorm a few workouts with you.
Getting your family and friends on board can help you stay accountable and reduce your exposure to temptations. Research shows that support from spouses, family members, and friends is beneficial for habit formation, and can help you stay for the long haul.
Conclusion
Our habits are central to identity. Healthy daily habits have a profound impact on your quality of life and can help you overcome life’s challenges. Make the process easier by forming habits around things you love. Bring in support from your family and friends and try to create mental cues that make maintaining healthy habits effortless.
Addiction in teens is becoming an increasingly alarming epidemic in the US and around the world. In fact, current research shows that one in seven teens struggle with some kind of addiction, according to teen addiction statistics. In light of this harsh reality, many parents seek proactive solutions to get young adults the help they need and deserve. If you are a parent or know someone with a teen struggling with addiction, read further for insights and benefits of outpatient rehab for teens.
How is Outpatient Different from Inpatient Addiction Treatment?
The most obvious difference is that inpatient treatment involves teens staying over a period of time at a treatment facility. Centers typically provide accommodations so teens can sleep, eat, and get the recovery they need while away from home.
Alternatively, outpatient for teens does not require a child to leave the comfort of their homes to get the treatment they need. Outpatient treatment has proven to be just as effective as inpatient rehabilitation – but there are some big differences. Read further to learn about the benefits of outpatient rehab for teens.
Continuity
Unlike inpatient treatment, outpatient rehab provides teens the ability to get the help they need without having their whole world overturned. Inpatient rehab is often very jarring for teens, and in some instances, being removed from their comfort zones may even hamper a teen’s recovery. Therefore, inpatient rehab is often a good option for teens who need the continuity, stability, and familiarity that is already established at home.
Uninterrupted Education
Because inpatient treatment requires a teen to be sequestered, teens may sometimes miss out on time in the classrooms. This is where outpatient rehab could be a better solution – especially if a teen is already doing well in school – even while struggling with addiction. Outpatient treatment can help teens deal with their addiction while they can still attend class, maintain their studies, and keep their grades up.
Very Flexible
Unlike inpatient treatment, an outpatient program provides a lot of flexibility for both parents and teens. Because you are not confined to a facility-driven schedule, you and your child have more freedom to schedule therapy around your daily routine. Furthermore, some outpatient programs offer online therapy sessions, which can be extremely helpful for your child’s recovery as well as your schedule.
It’s Typically a Cheaper Form of Treatment
Inpatient treatment can skyrocket into thousands of dollars because of the added expense of living facilities, dining services, and all the costs that go along with housing teens while in recovery. Once those residential service costs are eliminated, you’ll find that outpatient treatment can be a far more affordable alternative. Therefore, outpatient rehab for teens is often a better choice for families who might be struggling financially, but still need that top-notch mental health care for their teens.
Opportunities for Family Bonding
Outpatient rehab for teens allows the whole family to stay together and unite as a teen receives treatment. On the other hand, a teen is away and removed from the family during inpatient treatment, which prohibits the ongoing bonding of a close-knit family unit. Every family is different, but many families prefer to have their child within the fold while he or she is on the journey to recovery and sobriety.
Parents and teens who have close connections and families who have healthy, strong bonds may find outpatient rehab more appealing. Furthermore, teens staying within the family unit during recovery may find their experience with rehabilitation easier to cope with as they have easy access to the support of loved ones.
Personalized Monitoring
Outpatient rehab also affords parents and family members the opportunity to get involved first-hand with their teen’s progress and development through recovery. This can be particularly beneficial as a teen progresses through the stages of recovery from addiction.
Additionally, the schedule and pattern of outpatient treatment are already established. Therefore, if there is a threat of relapse, parents can see this immediately because their teen is at home, and more intense therapy can be reestablished to avoid slip-ups in recovery.
In conclusion, we hope these benefits of outpatient rehab for teens have proven to be helpful in finding the right treatment for your young one. Ultimately, getting your teen the treatment they need will ensure a happier, healthier life for them long into the future.
One of the main benefits of having a savings account is the interest you can earn on your deposits. However, the interest rate you can get on your savings account can vary significantly depending on several factors. This article will explore the highest interest rate you can get on a savings account and how to maximize your returns.
High-Yield Savings Account with Bonus
One way to earn a higher interest rate on your savings account is to open high-yield savings account with bonus. These accounts typically offer interest rates that are significantly higher than traditional savings accounts, and they can be a great option if you’re looking to grow your savings faster.
One type of high-yield savings account that can offer incredibly high returns is a high-yield savings account with a bonus. These accounts offer an initial bonus interest rate for a limited time, usually when you open a new account or meet certain requirements, such as making a certain number of deposits within a particular timeframe. According to SoFi, “high-yield checking and savings accounts can help you make meaningful progress towards your financial goals.”
For example, if you open high-yield savings account with a bonus that offers a 2.00% interest rate for the first six months. If you deposit $10,000 into the account and don’t make any additional deposits or withdrawals, you will earn $100 in interest during those six months.
While these types of accounts can offer excellent returns, it’s important to know the terms and conditions. For example, the bonus interest rate may only apply for a limited time, and you may need to meet certain requirements to continue earning the higher rate. It’s also a good idea to compare the interest rate and fees of different high-yield savings accounts with bonuses to find the best option for you.
Online Savings Accounts
Another way to earn a higher interest rate on your savings account is to open an online savings account. These accounts are offered by online banks, which don’t have the exact overhead costs as traditional brick-and-mortar banks and can often offer higher interest rates as a result.
For example, as of January 2023, some online savings accounts offer interest rates as high as 2.25% or more. However, it’s worth noting that online savings account rates can vary and may be subject to change, so it’s a good idea to compare rates from different online banks to find the best option for you.
Rewards Checking Accounts
Another option to consider if you’re looking to earn a higher interest rate on your savings account is a reward checking account. These accounts typically offer a higher interest rate on your balances in exchange for meeting certain requirements, such as making a certain number of debit card purchases or using online banking services.
It’s important to know the requirements for these accounts and ensure you can meet them to continue earning the higher interest rate. It’s also good to compare the interest rate and fees of different rewards checking accounts to find the best option.
In conclusion, you can earn a higher interest rate on your savings account in several ways. High-yield savings accounts with bonuses, online accounts, and rewards checking accounts are all options to consider. It’s important to compare different accounts’ terms and conditions carefully and choose the one that best meets your needs and goals.
A business is only as good as the people working in it. You cannot expect to have lots of success if you have substandard people who aren’t willing to put in the effort. Some businesses get very lucky with half-hearted employees because the idea and the niche strikes a chord with the right people. It will not be a long-term and consistent thing, however. Bringing in the right people and keeping them happy every single day will ensure that you reach success a lot sooner. Your business will be in a much healthier place and you won’t have to overthink too many aspects when you have good people on board.
When you have a happy group of people on your team, they will be able to show a lot more productivity and really come out of their shells. They can adopt all kinds of creative thinking and they will not be afraid to take risks. Everything becomes a lot better when you have happy people on your payroll and it only enhances the business further. Specifically, here are a few ways you can keep your staff members happier throughout their time working with you:
Be A Positive, Optimistic Leader
Your behavior sets the tone for absolutely everything going forward. If they walk into work every day and see a miserable leader, they will likely be miserable, too. You have to make sure that you show some positive leadership every single day because that is what they will be looking forward to. When things go a little wrong, you have to be there to gee them up again and give them a reason to continue working. Your behavior is contagious and it can sway the mood of the entire place. So, you have to make sure that you aren’t lacking in this department.
Hire People Who Will Be Beneficial To The Group In All Aspects
You have to make sure that you bring in people that are good for the group. It’s not just about the talents and qualities they have. It’s not all about what they can display on their resume, either. Their personality plays a huge part in how everything will go. If you are bringing in people who make the group feel uneasy or who have nothing but negative vibes, it’s going to ruin pretty much everything. When you are recruiting people, make sure that this is a huge part that you look out for. Choosing the wrong people for the wrong position can absolutely ruin the entire business.
Train Them Properly And Regularly
When somebody isn’t performing at their best, it can affect their mentality and make them feel as though they aren’t worthy of a place at times. They might feel as though somebody else could come in and do a better job because they are currently suboptimal. This tends to happen when they haven’t been trained or their ideas haven’t been refreshed in a while. They may develop somewhat of an impostor syndrome and feel as though each day is more difficult than the last. If you bring in groups to help train or you keep on top of them regularly, they will be in a much better place mentally as they get things done. They learn more along the way and there will be a lot more positivity during the workday.
Ensure There’s Clarity Between You And Them
If there is any awkwardness between you and your staff members, it will be felt by everybody involved. Allow them to speak clearly about any issues they have and do not keep things secret from them. If there is clarity between everybody, a business can run much smoother and everybody will be happier.
Have A Plan For Everything And Everyone
You don’t need to watch over absolutely everything and have a keen eye on every aspect, but you should have a plan and a structure to what you are trying to achieve. If you are able to oversee significant parts of the business, you will be able to run much smoother and everybody will be able to get behind what you are doing. For instance, if you have a hospitality company to run, the Best Restaurant Schedule Software Programmes For Small Businesses can really come in handy when trying to help out staff members and their particular tasks.
Keep The Workplace In A Wonderful Condition
There’s something amazing about a wonderful workplace. It can make somebody go from unmotivated to motivated very quickly. It can make a staff member feel as though they can achieve anything if they really put their mind to it. Likewise, they can feel as though nothing can get done if the workplace is disgusting and not looked after. Don’t let them work in a place that resembles a pigsty.
Buy The Best And Latest Equipment/Technology Whenever Possible
It can be quite hard for many businesses to keep up with the latest trends and the latest technology, but you should at least do whatever you can to possess the freshest pieces. If you have new equipment and apparatus, you will be a lot more productive and efficient with what you are doing. Everybody in the workplace will also be more grateful for this because they will feel as though their needs have been met. They will also feel as though the business is going places and is keeping up with the modern day. While it’s no disgrace to have older pieces of equipment, it does feel as though a company can fall behind very quickly.
Ensure Their Quality Of Life Is Enhanced While Working With You
Nobody wants to work in a place where they feel as though they aren’t appreciated or they aren’t going to have a decent enough quality of life. You need to make sure that they feel positive about themselves and are comfortable with the environment they are in. This means providing them with adequate restrooms, break rooms, and other areas for them to relax during less hectic times. You don’t have to create the most amazing staff room but it should be of high enough standard that it allows enough respite. If somebody can feel mentally and physically replenished, they will be able to get a lot more done during the day. They will also have nothing but good things to say about the business to anyone who will listen.
Set Achievable Challenges And Goals Throughout
Human beings love achieving goals and getting challenges handled. There’s something addictive about ticking boxes and striving for better things. Because this is the case, you have to make sure that you are setting achievable goals for your staff members. They will be a lot more motivated with what they’re doing every single day if there are genuine goals to accomplish. They will feel more motivated to get even the smaller jobs done because it will feel as though their day has been completed. Setting challenges for individuals and collective groups will ensure that they work much harder while enjoying what they are doing.
Understand Their Feelings When They Have Things To Say
When there is empathy in the workplace, there is a lot more cohesion. If you are able to understand the feelings of everybody else around you, you will be a good leader. It’s more than just how they feel about the work, you have to take into account their personal lives and what they are going through as an individual. When they have something to say, it is likely going to be for a reason and not just because they want to vent their frustrations. Being able to take constructive criticism while being able to listen to what staff members have to say will likely result in positive changes.
