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The All-Important Emergency Fund (And What to Do If It’s Not There)

It’s hard to explain the long-term stress that comes from a low bank account to those that are going about their merry way. They’ll tell you to put in more hours or spend less. Excellent suggestions if you weren’t already stretched thin!

The stress begins to add up:

  • Panic & anxiety attacks
  • Agoraphobia
  • Relationship problems

They say money doesn’t buy happiness but it sure does create stability – and with that stability is not having to go through your day feeling like one false move could put you out on the streets.

Making an Emergency Plan with Nothing

Where do you go with making an emergency plan when you have so little to work with? How can we improve our financial situation when it seems so much is stacked against us?

There are a few realities that need to be met:

  1. Many of us fail at understanding our money
  2. Many of us try to “ride it out” or play tough with the struggle
  3. Many cut corners for short-term gains but ultimately cause long-term troubles

It’s a matter of not tracking our money to the penny, we have this macho mentality that struggling is a part of character building, and that we skip on healthy food & activities that causes a host of physical & mental health problems because we go cheap.

An emergency fund starts with a financial plan; Knowing what’s coming in and where it’s going.

They say the fund should be 6-months of your living expenses but honestly… aim for a month.

This brings it into perspective – it starts the snowball with savings.

The few bucks you throw into the account here and there begins to add up and seeing it closers to a goal of (say) $1,000 is way more motivating than a few bucks towards $5,000.

Taking a Loss but Bouncing Back

Sometimes you just must grit your teeth and take a loss.

Accidents happen – so do medical emergencies – and goof ups with your finances.

Look:

Most of us experience setbacks but it’s the ones that take a temporary hit and realign themselves are the ones that come out on top.

For example – you could:

  • Take out online installment loans of $1,250 to cover expenses and just know you’ll pay interest but at least it stops the hemorrhaging
  • Apply for government assistance like SNAP benefits so you can get good food even if you’re stubborn about the whole welfare thing
  • Get on a crowdfunding site and ask for donations, which makes it easier than going to your family or friends directly

It’s better to nip the problem early than to keep on with the downward financial spiral. The sooner you can stabilize the sooner you can begin paying it back. And the sooner you’ll build that emergency fund.

A Lot of Financial Troubles Stem from Stubbornness

Is that an entitled thing to say?

Obviously, this doesn’t apply to everyone but there are tons of people that are just plain stubborn with their lifestyle choices.

They live outside of their means either because they had good money coming in (at some point) and now make less. Or, they’re in this mode where they’re trying to impress or keep up with others which is making them dip into pay they shouldn’t spend.

This is a topic people have discussed to death.

It’s time to be humble – there’s no shame if it means you’re getting your finances on track. Downgrade for a while but keep your head up because you’ll get back on track. Don’t glamorize the struggle – treat it as it should in that it sucks and you’ve got to get out.

It’s Up to You

You can keep doing what you’re doing (obviously it’s not working) or make some positive changes.

Even an extra $5-$10 a week can make a difference in building an emergency fund.

Your choice.

Thoughts?

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Baby Boys Swim Shorts and Swimwear

Boys can be energetic children and toddlers, who just want to run, jump, and play all day from the first chance that they get. When the sun is out and it’s warm enough, taking a baby boy to the beach or heading off to the pool is a good way to help get rid of that excess energy. Baby boys swim shorts are a great investment for parents who want to make sure their child has protection when out having fun in the sun. 

Guard Shirts

Getting some sun is good for children since it provides Vitamin D, which is essential for developing bodies. An appropriate amount of sunscreen can help to shield from the most damaging UV rays, while still allowing for enough exposure to benefit a child without causing burning or discomfort. On those sweltering days when the sun is high, parents often still worry if baby boys swim shorts are enough to 

Keep their little one protected during their visit to the pool or beach. Even with sunscreen lotion, it’s important to add another layer of protection. 

Guard shirts are a sound investment for ensuring that a child has extra protection from the sun while still looking stylish. Guard shirts are typically made up of a UV Protection Factor 50+ fabric, to help absorb the rays of the sun so the child is at a lower risk of getting sunburn. 

One Piece Guards

These baby boys swim shorts
 are ideal for the smaller guys who tend to be on the move 24/7 and need clothing that fits with their adventuring spirit. The one-piece guard is the go-to solution for little crawlers who like to get into the sand and pool ties as soon as humanly possible. 

The short sleeves offer free range of movement so the little tyke can play without feeling hindered while they move around. The zipper and nickel free snaps included on one piece guards make it easy to change out quickly if necessary, and easy to put on. The fabric is specially designed to protect a baby from the harsh rays of the sun while still looking fashionable for the beach. 

Swim Trunks

Swim trunks are probably the cornerstone to any fun time at the beach or the poolside during the summer months. Baby boys swim shorts can be worn with or without a guard shirt, allowing for parents to get the look that they want. There are even little girls who prefer to wear swim trunks along with their swimwear since they’re so comfortable. Swim trunks usually come in a variety of styles, from bright colored trunks with graphics, to classic floral surf inspired trunks. When paired with any of the guard swimwear, a toddler will look effortlessly cute, 

Which could create some perfect photo opportunities for the family album.

Whether the swim shorts are for a toddler, a slightly older child, or even an infant, there are plenty of options when buying baby boys swim shorts online. Parents will love to choose from the different styles while accessorizing swim shorts with an attractive and protective guard shirt. Because swimming gear helps to protect against the sun, every parent should take the time to carefully pick out the right set for their baby, toddler, or young child.

Helping parents to find the right baby boys swim shorts. Learn about the styles that are available for today’s highly energetic boys.

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Three Easy Steps to Choosing the Right Private School

Finding a private school for a child can be a difficult task. With so many schools offering different programs and benefits, narrowing it down can take some work. From private Christian schools in Georgia to prep schools up North, the schools should take into account the child’s needs. These five steps will help any parent choose a school that will help their children succeed.

  1. The Wish List

Choosing a private school requires an understanding of a child’s needs and a parent’s wishes for their child. This list helps narrow down the schools that a parent would look at when choosing a private institution for their child. Any school that does not fit the criteria would simply not be considered.

The wish list could take into account a multitude of things, such as religion, cost, commute time, extracurricular activities, college prep courses, and more.

For example, if a family is looking for a private Christian school K-12 in Atlanta, GA, that offers mission trips and a great art program, then that is the wish list criteria. The schools that embody these aspects would be the schools a parent should research.

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  1. Research Schools

Research is when parents look critically at the schools that have made the list. From learning about any awards the school has obtained to researching different teachers to learning extracurricular activities, this is the legwork of finding the perfect private school.

This is also when parents should choose what it is integral for their child. If a school has a great academic program and offers college prep courses but doesn’t have a great music program, a parent may decide academics is a requirement and music is a bonus.

Research can include a conversation with college prep counselors. A good resource is the school’s report card, which is delivered by the National Center for Education Statistics. A parent could even ask for recommendations from friends, such as looking for private Christian schools in Georgia.

  1. Visit Potential Schools

After a parent narrows down their selection to the top three, the last step is to visit the school. It’s best to visit with the child who would attend, so they get a glimpse into school life. If possible, the family should visit both on an open day and during normal school hours to get a sense of how the school operates.

Once the visits are completed, the parents and their children can make an informed decision. By including the child in the process, the parents will ensure their happiness at their new school. Through the hard work of choosing the right private school, a child’s educational future will be secured.

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Floor Cleaning Machines and Supplies

 If you have a commercial cleaning service, or if you are thinking about starting one, you will need industrial cleaning machines and specialized cleaning supplies. You may need buffers, as well as floor and machine scrubbers. It’s also important to have a wide area vacuum with attachments and about 75 feet of cord.

 In some circumstances the cleaning of floors calls for regular, recurrent and meticulous scrubbing. Under these circumstances, Tennant floor clean ers can help you keep the floors at your facilities clean and shiny.

 Floor Scrubbers

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Select a high-quality scrubber designed to handle the toughest dirt without damaging or endangering the environment.

 A walk-behind scrubber-dryer provides the best and most versatile solution. It will clean most any hard floor surface, and it can be fitted with a variety of brush heads.

The walk-behind floor scrubber-dryer can improve your cleaning productivity

There is also a battery-operated walk-behind scrubber-dryer available. This machine is lightweight, agile, compact and affordable. The squeegee system reduces the amount of water and detergent you need to use. This machine is fully equipped and has a rotating brush

 i-mop Scrubber

i-mop Scrubber features the maneuverability of a mop with the cleaning performance of a walk-behind scrubber. This machine will enable the user to easily clean any type of surface

It has twin rotating brushes that remove more soil than mop and bucket cleaning. The deep cleanliness establishes a pleasant environment for occupants.

Pre-owned and fully refurbished scrubbers are also available, as well as brushes, filters and squeegees.

 Buffers

Burnish floors easily with an automatic walk-behind buffer. This machine is configured to bring out the shine in a floor. The high-speed buffer delivers a superlative sheen while eliminating dust.

 Sweepers

Floor Sweepers use brushes in conjunction with a vacuuming system to remove dust and debris from floors. Many different brush sizes are available.

Wide Area Upright Vacuum Cleaner

 This is a robust upright vacuum with a variety of attachments. It cleans hallways, meeting rooms and lobbies. This light-weight machine has extra-large head that scours a wide path. The tough twin-motor lifts and extracts debris, and adjusts to different height levels. It’s great for getting under desks and other furniture.

 Remember, if you have a commercial cleaning service, or if you are thinking about starting one, you will need industrial cleaning machines and cleaning supplies. You may need buffers, floor scrubbers and sweepers. It’s also important to have a wide area vacuum with attachments.

 Always select high-quality machinery designed to handle the toughest dirt without damaging or endangering the environment. Tennant floor cleaners can help you keep the floors at your facilities clean and shiny.

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What Things Do You Need To Consider When Buying Legal HGH

Legal and safe HGH-boosting supplement is designed to show the same effects as that of Somatropin in the body. It aids in stimulating the pituitary gland in the body to secrete more amount of HGH in the body. This leads to reduction in body fat, anabolic growth, improvement in strength and lean muscle gain in the body.

Tips to help you buy right HGH

You need to set realistic expectations from the steroid that you are consuming. This can only happen when you read about how HGH steroid works on the body and what types of gains can you expect from it.

Any athlete or a bodybuilder who is planning to consume HGH should know that not all suppliers of HGH suppliers are ethical and legitimate. An extensive research needs to be done to find out whether the steroid supplier has the license to sell the steroid in your area. Also, it is important that the steroid you are planning to take should be legal.

Consider best vendors for growth hormone which has the reputation of selling best quality products to users. You can check the reviews about the steroid supplier before considering them.  HGH supplement is available under different brands on the market.

Where can you find authentic HGH suppliers?

Not all suppliers of steroids sell genuine or superior quality of Somatropin HGH. One of the best ways to find reliable and trusted HGH suppliers is to ask trainers or your fellow bodybuilders at the gym.

There is high possibility that most of them would have tried the steroid on them. They would be the best person to tell you the pros and cons of the steroid. Other prominent ways could be online discussion boards, online forums, muscle promoting websites or bodybuilding websites.

How does HGH works in the body?

HGH supplements are basically dietary supplements that comprise of herbs and natural ingredients in the right proportion to assist pituitary gland in performing its functions. These supplements have an efficient combination of proteins, amino acids, and several other components that supports pituitary gland and aids in increasing its production and secretion in the body.

Conclusion

Different drugs impact body in their own way. HGH is one of the most important supplements that helps in maintaining the right levels of HGH hormone in the body. Learning about its side effects, dosage, duration will help you get the best results from it.

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Top Tips for Utilising Space in Warehouses

If you know how to utilise the space in your warehouse you can vastly increase the amount of produce that you are storing. Here are a few tips to help you effectively utilising your warehouse space.

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Get the Facts About Your Storage Area

The first thing that you should do is assess your storage area to find out the capacity and current layout, as this will make it easier for you to plan an effective storage system. You should make a note of the type of rack configuration, as well as the warehouse movement – do all items need to be easily accessible, or can some items be stacked together at the back for later use?

Look Upwards

One of the best ways for you to create more space in your warehouse is to store items vertically. This will vastly increase the amount of space that you have, especially if you have a warehouse with high ceilings!

If you want to invest in affordable shelving, a great option is pallet racking. You can buy affordable pallet racks at http://www.rackzone.ie/.

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Be Space Efficient

You should store the smallest items on smaller shelves and the biggest items on the biggest shelves so that they are not wasting space.

Consider Combining Locations

If you have multiple warehouses storing the same items, it could be beneficial to find a bigger warehouse that can hold all of the items, as this will ensure that you are not paying full price for a half empty warehouse.

Consider Drop Shipping

According to Practical eCommerce, retailers and manufacturers can significantly reduce their investment in products by storing large items in drop shipping. Of course, this is only an option for manufacturers who have their products shipped to them!

Take Overstock To Premises That You Own

If you have extra stock that won’t fit in your warehouse, store it in another company building to reduce warehouse costs. You could also move stock that won’t be used for a while so that you can utilise that space for stock that will be quickly used.

Try Cross Docking

You can also consider cross docking big releases of stock to reduce the amount of stock at your warehouse.

Reduce Aisle Widths

If you reduce the aisle widths in your warehouse you will have even more space for storage.

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Tips on cleaning your commercial refrigerator

Health and safety are key elements in running a catering business. Your kitchen needs to be spotless, and this includes storage areas such as fridges and freezers. Commercial frdiges need to be taken care of and properly maintained. Keeping it clean will prolong its life and show you have the health and safety or your customers at heart.

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Regular cleaning

Several parts of the fridge will need regular cleaning, such as the exterior doors, shelving, walls and mechanical parts like the condenser coils, fan blades, air vents and motor. The exterior should be cleaned with mild soap and water at least once a week. If you notice dirt building up, make sure it is cleaned that day.

The interior components, such as condenser coils, should be cleaned monthly. Make sure the fridge is unplugged before starting work. You should only use mild detergent and water rather than strong chemical cleaners. Keeping the fridge clean will help to keep the parts running smoothly. Whilst cleaning, check that the fridge is at the right temperature and the trim is working effectively. A breaking trim can affect the fridge’s ability to keep foods cold.

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Before you begin

To do a proper cleaning job, you’ll need to empty out the contents first. This is a good time to check each item carefully to see whether it is coming to the end of its shelf life. Make sure these items are used quickly, and throw away anything that cannot be kept. It is best to store these perishable items in another commercial fridge while you are cleaning this one. If you need extra commercial refrigeration, you can look at designs and prices at a company such as https://www.fridgefreezerdirect.co.uk/.

Tackling mould or mildew

Mould and mildew love the moist, deep-seated corners of a fridge, which can be a threat to your business and your customers’ health. You can get rid of it or prevent it from building up by spraying the area with a commercial mould or mildew remover, or make your own with mixing one cup of white wine vinegar with two cups of warm water. Put it in a spray bottle, shake and spray over the affected area. Wait a few minutes before wiping off. You can do this monthly to prevent any build-up.

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What benefits do climbing frames bring to children?

Climbing is something that children instinctively want to do, which helps explain why climbing frames are adored by children. They are robust and great fun. They fire their imaginations and allow them to burn off some energy. What’s even better is that climbing frames are beneficial to children and can contribute to their physical and mental development. Here are some of the ways they are benefitting children.

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Climbing frames offer the benefit of encouraging children to climb in a safe and structured way. Climbing uses a combination of problem solving, co-ordination and physical strength. The equipment has been tested, so you know that it is safe to use.

Benefits at home

As the cost of climbing frames is coming down, more and more consumers can afford to have one in their own homes. For those who have a climbing frame at home, the benefits are numerous. Regular exposure to climbing is guaranteed with the safe environment a garden can bring. Supervision is easier for the family when it is at home, and the child’s confidence will build as they repeatedly use the equipment.

An education

Climbing on a climbing frame has all sorts of educational benefits. Active play is recommended for all children to help develop their physical selves. Experts recommend using a climbing frame as active play to develop their skills at each stage of development. Children need space and safe physical equipment for active play, and they can get this by using a climbing frame. All their muscle groups will be developed through climbing as they are challenging themselves on the frame.

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In addition to balance and muscle development, there are other, less-obvious educational benefits to using childrens wooden climbing frames such as those at http://www.niclimbingframes.com/. Children will grow in confidence the more they are exposed to climbing frames. In addition, they will learn to manage their fears and benefit from the wonderful feeling of overcoming an obstacle. They help develop cognitive ability through problem solving and memory.

Most importantly, they are so much fun and can be part of an imaginary world that your child will cherish. Conquering the climbing frame and sliding back down is one of the best feelings. They are also quite attractive, which means they can boost the appearance of your garden.

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Why Owning A Pet Will Make You Happier

This is a topic that many pet owners are already familiar about, but in case you did not know, it is true. Owning a pet does not guarantee a happy life, but it does guarantee a happier one, which is also another reason why you should have a vet contact at all time. There are many great Pet Care facilities, Gordon Vet Hospital will surely help you if your furry friend gets sick.

Pets are important

Owning a pet can sometimes be a bit exasperating, but many times it is totally worth all the effort. People who own pets are usually much happier, healthier and have a higher self-esteem. In addition, they are also not as lonely compared to those who do not have a pet.

They are here to make our lives happier

Owning a pet does bring out many great benefits, which also include a more conscientious state, less fearfulness and extroverted character. Many studies believe that pets serve a greater purpose than just to be our “Pets”. They are here to give us both emotional and social support on top of everything else.

Our pets are our family

Many people think of their pets as a part of their family, and that is the correct way to see your pets. However, there are also some people who do not understand how important it is to have a pet in your life, and there are also the ones who do not care.

There was a study by scientist from Saint Louis University in Missouri and from Miami University, that conducted 3 experiments, where they examined the potential benefits we get when owning a pet. 217 “everyday people” were questioned, with their average age being 30 and family income of $77.000; in addition, 79{1973852c3d03fa9c7b89cf4e32c90950349d2a7529a1646edaa4b9e79bec0c07} of them were women.

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Pets can change our lives for the better

First experiment

That group of people had to answer a survey where they had to put their thoughts about pet ownership, comparing people with pets and people who do not have pets. There were a number of differences between the groups, and in all cases, the pet owners were much happier, better adjusted and healthier than non-pet owners.

Second experiment

This experiment involved 56 dog owners, 91{1973852c3d03fa9c7b89cf4e32c90950349d2a7529a1646edaa4b9e79bec0c07} of whom were women, the average age was 42 and the family income was about $65.000. The group was questioned to see if they benefit more from socializing with their pets. After that, the researchers concluded that most of the pet-owners were happier because of their dog, giving them self-esteem and a meaningful existence.

Third experiment

In the last group there were 97 undergraduates, the average age was 19, who showed that pets can make us feel much better after a heartbreak or rejection. This group was asked to write about the time they felt left out, and then they were asked to write about their favorite pet, best friend or to draw a map of their campus.

This showed that writing about their best friend was as effective as writing about their pets, especially when it came down to talking about feelings of rejection. We can’t deny that our pets are a part of our family, and they are here to be our friends.

Final word

Just like you take care of your mom, dad, brother, sister, son… etc, you also need to take care of your pets. It is a good idea to have a vet on your speed-dial, and if you need any suggestions, you can get many great pet services from a North Ryde vet like Gordon Vet.

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Garden wedding décor ideas for your marquee

Having a wedding outdoors is a wonderful idea because you are surrounded by natural beauty to add another dimension to the day – and to the wedding photos. Whether you are going for an elegant outdoor wedding or a relaxed affair, we have some decor ideas for your very special day.

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Saying it with flowers

The marquee can be seen as a blank canvas upon which you can stamp your personal touch. As you are having your nuptials outdoors, it makes sense to bring some of the great outdoors inside. You can decorate the roof of your marquee with roses and ferns to add colour and a beautiful aroma. An alternative is to hang dramatic chandeliers or lanterns from the roof for a special effect.

Sign of the times

If the wedding is taking place in different parts of the garden or estate, you can make wooden signs directing guests to the welcome reception, the wedding ceremony, and the marquee for the meal and dancing. Don’t forget your own hashtag so that the special day can be shared on social media for the whole world to celebrate with you.

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Raising the roof

The only way is up on your wedding, so let’s think about raising the roof. You can find marquees with clear tops to see the stars twinkling down on you as you dance to your tune. You can also achieve an airier effect with swathes that look like sails instead of a fully-enclosed roof. If you want to make a dramatic statement with your marquee, tensile fabric structures are available in many shapes and colours. Experts such as http://www.fabricarchitecture.com/ can provide many examples of tensile fabric structure ideas for your wedding marquee.

Taking a leaf out of nature’s book

If you are having a rustic theme to complement your natural setting, you can use leaves or driftwood as table decorations. You could find large leaves and carefully write your guests’ names on them for place settings. If it is a casual affair, you could set up long picnic tables for your wedding feast, which is more informal than tables of six and eight. You could also put hay bales for people to sit on after the meal to add rustic charm. Large beer barrels also make attractive and stylish tables for people to chat around.

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