Archives for February 2021

Simple Tricks to Boost Your Mood Every Day

February 25, 2021 by

Although you might not believe that it is not possible to be in a good mood every day, if you are constantly waking up on the wrong side of bed, there are many steps that you can take to boost your mood and to ensure that you can feel good about yourself every single day. Here is a list of some of the best steps that you should take when life is getting you down.

Wear Fragrance

Although you might think that spraying a little fragrance on yourself will not make any difference to your overall wellbeing, there is evidence to suggest that both men and women could benefit from wearing scent. Not only can it boost your mood, but it can also increase your self-esteem and remind you of happy memories. This is because scents can release endorphins in your body. Therefore, if you want to boost your mood every day of the year, scentmagic.com offers a range of subscription boxes that can cater to any taste.

Start Your Day with Exercise

If you take one step to boost your mood before the day has even begun, it should be making exercise part of your morning routine. Starting your day with a little exercise can get your heart pumping and can help you to feel more energized as the day wears on, even if you have slept badly or if you have a lot on your mind. Why not try doing a couple of press-ups or sit-ups before you get ready for work?

Take Time to Unwind

On the other hand, it is also important that you take time to unwind and to do an activity that you enjoy every day, even if this is just for a few moments. Instead of feeling guilty about playing video games or watching television after work, you should make these activities part of your schedule as a way to relax and to prepare your mind for the next day.

Socialize With and Help Others

Although you might feel too weary to speak to anyone when you are down, socializing and helping others can immediately boost your mood. Although socializing is hard at the moment, you should stay in constant communication with your friends and family, making sure that you check in with a loved one as often as possible, even if this is just to share a funny meme or to ask how they are.

Wear Comfortable Clothes

It can be impossible to feel good about yourself if you are wearing clothes that you are uncomfortable in. You should consider swapping tight, ill-fitting clothes for loose, tailored items that can allow you to love your appearance and present your best self to the world. Not only this, but wearing colorful clothing has also been shown to boost people’s mood, while women might also consider wearing make-up when they feel under the weather. Both of these actions have been proven to boost people’s mood when they are feeling a little lower than usual.

Filed Under: Lifestyle

What Should I Do if I Was Injured Whilst Taking an Uber

February 24, 2021 by

When you’re involved in a car accident and either you or somebody you know is driving, it’s a pretty clear-cut process on what you do; get in touch with the relevant insurance companies. What happens when you’ve put your journey in the hands of an Uber driver and find yourself suffering an injury? Well, I’m guessing this might have happened to you and that’s why you’re here; we’ll dive in below and examine some simple steps that could save you excess stress.

Check Yourself and Snap the Scene

Car accidents can be scary ordeals even if you’re not injured but if you are, there are some things you can do straight after the event to make your life easier. Firstly, and most importantly, make sure you get yourself checked over by a first responder to find out what injuries you have. Secondly, if you can, take as many pictures of the accident as you can; ensuring you capture all parties involved. Photographic evidence of any injuries can also help improve your claim for Uber compensation. Further, note down the condition of any drivers involved to see if they were in a fit state to be driving in the first place.

Witnesses

Witnesses to the accident are also vital to your claim. Speak to as many people as you can who may have seen something. Be sure to get their contact details so that either you or a trusted personal injury lawyer like Horst Shewmaker can get in touch with them later on. Most personal injury lawyers will evaluate your case free of charge before any money changes hands.

In this day and age, there are cameras everywhere including CCTV, traffic cams and dash cams. Speak to as many people surrounding the crash site as you can, and check to see if they have any footage of the incident. This can turn witness statements into facts and will heavily tip the scales in your favor.

Seat Belts Save Lives

Most of what we have examined are things to do only after the accident has occurred. However, there is something you can do to cover your back while you are in transit – wear a seatbelt. In the majority of the United States, it is compulsory to wear a seatbelt. If you aren’t wearing yours it could make everything we have discussed so far meaningless because you would be at fault as well. However, there are personal injury claims that have been won in such cases but with a much lower amount of compensation.

From this, we have learned that although Uber accidents are slightly different, the basic principles following a crash are the same. Check yourself; get snaps of the scene; speak to witnesses and get contact information; seek out camera footage of the incident; and instead of contacting your insurance company, find yourself a trusted accident claims lawyer and fill out the Uber compensation form. Know your rights, know where you stand.

Filed Under: Talk Blog

How to Have a Successful Retirement Abroad

February 23, 2021 by

As we get older, we tend to worry about our future. We cannot work forever, and we think of how are we going to survive our golden age without having financial hardships. It is also unfair to solely depend on your family and become your children’s responsibility when you are no longer capable of earning to support your needs. This is the reason why having a retirement plan is essential. Settling down and spending your retirement abroad is also another thing to take into consideration. Retiring in another country is an option for those who want to stay engaged and active in life.

Here are some simple tips on how to have a successful retirement abroad.

  1. Choose your dream destination. One of the major decisions when retiring is where you will spend the rest of your life. Settling down in another country allows you to learn new experiences even if you are already ageing. You get to meet new people, and you can still fulfil some of your dreams, like to travel and pick up a new hobby. Before choosing your retirement place, consider visiting the country and try living there for a couple of weeks or months. See how well things go, and if the lifestyle is suitable for you.
  2. Be optimistic. Our future is not guaranteed, but we have to be optimistic when planning for it. Think positively that you will get your dream retirement without worrying about financial stability. Keep in mind that you may encounter more financial problems during your retirement, so you have to be prepared. Here comes the importance of having a retirement plan.
  3. Start your retirement plan now. The important key to having a successful retirement is to have a retirement plan. Planning should start today and not tomorrow. It’s better to plan early than to regret later in life. You may seek help from financial advisers, like TailorMade Pensions, if you want to be in a better situation when you are ready to settle down. The more savings you have, the more comfortable life you will have.
  4. Never stop dreaming. You may feel like you can no longer fulfil your lifelong dreams when your older, but this is a reminder that you should never stop dreaming. Continue to pursue your dreams even if your body says you can’t. As long as your breathing, you still have the chance to do things on your bucket list.

Most people don’t see the importance of having a retirement plan, especially when they are at a young age. They take it for granted, thinking they can work things out in time. However, it is a must to have a retirement plan if you want to spend your entire retirement abroad. Moving out of your country is like starting your life again. You get yourself a new place you will need to buy new furniture, you meet new people, and more. For you to have the best retirement, you have to be financially stable even without the need to work. Start planning your future now.

Filed Under: Money Talk

How You Can Consume Food the Eco-Friendly Way

February 19, 2021 by

As our eyes grow more open to conservation and preservation methods, we look for ways to embrace sustainability. We want everything sustaining life right now to continue doing so for future generations. One of the many strides we’re taking is gradually transitioning to eco-friendly means of consumption.

The word “consumption” sounds like it goes against the principles of sustainability—conservation and preservation of our resources. But in this article, we’re going to discuss how we can consume the most important sources of our lives—food.

It’s a human need to consume them but consuming them in a way that leaves nothing for the future isn’t the right way of doing it.

To gradually ease you into eco-friendly food consumption, here are five easy ways you can start doing:

1. Get your produce from local farmers markets

If you have a local farmers’ market near you, you better start looking at their produce. Why? They’re fresher than retail ones and contain more nutrients. Another plus is that they don’t go through chemical processes that retail produce do to get them ready for transport and storage.

By buying from farmers’ markets, you don’t only support your community’s producers, but you also introduce yourself to better quality produce.

2. Eat more greens

Going by the principles of eco-friendliness, chemical emissions are prime enemies. Did you know that meat production and subsequent consumption contribute to the United States’s 42 percent greenhouse gas production?

A key to helping reduce emissions is to consume more plants. They require fewer resources and emit less harmful chemicals. If you’re looking for an alternative for meat’s protein load, consider consuming more beans, soy, and nuts. They offer high levels of protein, are plant-based, and cheaper.

3. Base your diet on your location

Think about it really hard—if you opt for food that isn’t accessible to you, you’d have to rely on imports. Imported food require transportation to get to you. The problem lies in transportation being a notorious fossil fuel producer. You also risk your health by purchasing from unknown sources.

To help yourself and the environment, curate a diet that can be supplemented by what’s locally available. Research your location’s top food commodities and use that to create a meal plan that won’t require you to source your ingredients from long-distance imports.

4. Opt for reusable and minimal food consumption items

This tip applies to food packaging, spoons, forks, straws, cups, and other necessities you’ll need to consume food properly. These materials are known for being one of the most popular pollutants. They’re typically made of plastic, Styrofoam, and other materials that take a long time to decompose.

A way to avoid wasteful packaging and food consumption materials is to bring your own reusable container, use reusable spoons, forks, straws, or if you’re not a fan of reusing, you can use paper straws that are made out of paper and safe liquid glue.

5. Make your food last longer

If you’re someone who likes preparing food in big batches, you’re either wasting or preserving food. Fermenting, dehydrating, and freezing are ways to keep food for a long time.

Seasonal food can also be preserved through those methods. How you prepare, eat, and store the food should be geared towards long-term storage if you’re thinking of reducing waste. If you’re left with no choice but to dispose of, compost.

As more people innovate ways to reduce wasteful consumption, we’re becoming more open to preserving what we have for the future. It may not be the easiest thing when we’re so used to consuming as much as we like, but now that we’re more aware than ever, little steps count.

 

 

Filed Under: Lifestyle

Everything About Boston Terriers

February 14, 2021 by

To discover a list of fascinating facts about one of the oldest dog breeds in America, the Boston Terrier, simply continue reading. Especially if you own a Boston Terrier or are interesting in owning a Boston Terrier in the near future.

Everything About Boston Terriers

Boston Terriers can live up to 15 years:

One reason why Boston Terriers are popular family pets is that they have a long lifespan. In fact, the average Boston Terrier reaches 13 to 15 years of age. Although Boston Terriers are classed as senior dogs once they turn 8 years old.

They are known for their distinctive look:

Boston Terriers can be identified by their tuxedo coats, flat faces and large eyes. One of the reasons why Boston Terriers are known by the nickname American Gentlemen is that their black and white tuxedo coats make them look like little, four legged gentlemen.

They make excellent companions:

Boston Terriers are one of the friendliest dog breeds in the world and Boston Terriers prefer to spend as much of their time with their human companions as possible. More helpful tips can be found here.

They get on well with strangers:

As Boston Terriers aren’t wary of strangers and are happy to interact with complete strangers, Boston Terriers are often used as companion dogs in rest homes and hospitals. Especially as Boston Terriers are also one of the least aggressive dog breeds in the world and have a gentle, empathetic nature.

They get on well with other animals:

While some dog breeds don’t get on well with other dogs, Boston Terriers make fast friends with other animals. In fact, as Boston Terriers don’t like being left alone for long periods of time, if you plan to adopt a Boston Terrier you may want to adopt a second pet to keep your Boston Terrier company. As an example, you may want to adopt two Boston Terriers to keep each other company while you’re at work each day.

Boston Terriers with a special marking are descendants of the original blood line of Boston Terriers:

Boston Terriers which boast a spot or star on their heads are often descendants of the original blood line of Boston Terriers. You may be interested to learn that the Haggerty family bred the original Boston Terriers in the early 1900s.

Boston Terriers are fun loving:

Boston Terriers are energetic, fun loving and playful and are always up for a game of fetch or a round of tug of war. Despite their relatively small size, Boston Terriers never run out of energy.

Boston Terriers are prone to a wide variety of health conditions:

Sadly Boston Terriers are prone to a wide variety of health conditions such as eye conditions and respiratory conditions. If you plan to own a Boston Terrier, make sure to visit your chosen vet at least twice a year. As the sooner your vet diagnoses any health conditions, the sooner you’ll be able to treat your dog and to manage their health risks.

In conclusion, if you’ve always been interesting in Boston Terriers and hope to own a Boston Terrier in the future, hopefully you discovered a few fascinating facts about the breed. To read more on topics like this, check out the blog category.

Filed Under: Talk Blog

What’s the Difference Between a Credit Union Business Account and Personal Account

February 12, 2021 by

If you’re considering starting your own business, congratulations! That’s exciting news, and it’s bound to be a thrilling time for you. But it may seem overwhelming at times as well. After all, there are a lot of decisions to be made, from choosing the right name for your business to finding the perfect location to open up a business checking account.

Wait a second, you may be thinking. Why can’t I simply use my personal account to do business? That would simplify things, right?

Well, not exactly. There are quite a few differences between a credit union personal account and a credit union business account. Hang tight—we’ll explain the importance of having separate accounts for your personal and business affairs.

Opening Your Account

Oftentimes, there are different requirements for opening a credit union business account versus opening a credit union personal account. For instance, if you’re opening a personal checking account, you may simply be required to become a credit union member, provide identification, and make a qualifying deposit.

On the other hand, you’ll need additional documentation to open your credit union business account. The documents required may vary depending on your business and the account type, but generally speaking, you’ll need to provide a copy of your business license, your certificate of assumed name, partnership agreements, and organizing documents filed with the state.

If you’re in the early stages of development and need some help getting your business up and running, check out these steps outlined by the Small Business Administration. Notice that opening a business account is the last step on this list. By taking care of the other steps first, like registering your business and applying for the necessary licenses and permits, you’ll be all set when it comes time to set up your business account.

Benefits

So if business accounts require extra documentation and completing all these steps before you can even get around to opening one, you may be thinking, “Why even bother? I would prefer to just do business from my personal account instead.”

But business bank accounts, and in particular, credit union business accounts, have a lot of great benefits that you’ll miss out on if you don’t open one. In fact, not having one could actually hinder your business.

“How so?” you ask. Well, for starters, a lot of people feel more comfortable writing checks or making payments to an actual business account rather than a personal account. Having a business account makes you appear more professional and trustworthy, which will help you expand your customer base.

Opening a business account will also allow your business partners to access funds in the account and complete transactions.

It’s important to have a business account if you plan on applying for financing as well. Even if you have all the start-up capital you need, you may decide that you want to grow and expand your business over time. If so, you’ll likely want to have business financing options available. But you’ll need to have a business checking account in order to qualify for a business loan.

Taxes

Even if your business is a sole proprietorship, you should still keep your business and personal funds separate. This makes it easier to keep track of expenses and profits, which is important when it comes time to do your taxes.

For instance, if your business is ever audited, you will have a clear record of your business transactions to help you account for any losses or deductions you claim. On the other hand, if you don’t have a separate account for your business transactions, it may make it more difficult for you to differentiate your business from a hobby. If the IRS views your money-making venture as merely a hobby, you’ll have a hard time deducting any business expenses.

How a Credit Union Business Account Gives You an Edge

Another great aspect of credit union business accounts is that they come with a more hands-on approach. Many credit unions, for example, are community-based so they have a vested interest in seeing your small business succeed.

For instance, here at Rivermark, we want to be more than simply a financial resource. We want to be your business partner at each stage of the process, from inception to expansion. In order to do that, we partner with industry leaders to bring you additional services to help your business grow.

We also want to provide you with the tools and education you need to take your business to the next level. That’s why we maintain an up-to-date business resources page. It features helpful tips on everything from hiring your first employee to managing your cash flow effectively.

This is really what sets credit unions apart. It can even be instrumental in giving your business an edge over the competition. Credit unions offer personalized attention, and community-based credit unions, in particular, have a deep understanding of the community’s wants and needs. This knowledge and expertise can be incredibly useful in helping you determine how to market your business to prospective clients.

A Successful Start

In the end, credit union personal accounts and credit union business accounts function in very similar ways. Both allow you to write checks, make deposits, and even accrue interest on your account balance. But ultimately, a credit union business account will give you more flexibility and credibility as a business owner than a personal account will.

If you want to optimize the success of your business, having a dedicated business account is key. We can help you open one to streamline your business financing needs. If you feel you’re ready to explore opening a credit union business account and you’re in the Portland area, we would be happy to help. We have a switch kit that makes becoming a credit union member quick and easy.

 

Filed Under: Business & Growth

All You Need To Know About Renting Out a Property

February 5, 2021 by

Renting out a home can provide you with an income which is especially important given the current state of the global economy. Indeed, if you are the owner of a rental property, then you should be aware of a number of top tips that you can implement, if you are looking for a tenant. However, if you are unaware about how to go about the process of renting your property, you should be aware that a number of local estate agents will be able to assist you throughout the process. Furthermore, it is important to understand that you should remember a number of important factors if you are thinking about renting out a property in the near future. For more information about companies that can provide assistance with renting out your property, you should think about consulting an online business directory as you will be able to identify a variety of companies that you can contact.

Carry out research

One of the main features of an agent finder service is that you can compare pertinent information about the housing market in a particular area. Indeed, if you are wondering how do I rent out my property, then you should be aware that a number of local agent finder services are available on the Internet. By comparing the price of the various properties that are similar to yours in a particular area, you can determine if the amount of rent you want to charge is too high or too low. This is especially pertinent if you are looking to rent a property and you do not live in the local vicinity as you may not understand the intricacies of the local housing market.

Prepare the property

Another important tip that you should implement if you want to rent out your property is to prepare it to make sure it looks as good as possible while you could use a property management company to ease your own maintenance burden. Furthermore, you should also determine whether you want to rent a house as a furnished or unfurnished property while you should also be aware to clean the property before any prospective tenants come and visit. This is especially pertinent if you will be renting the property by yourself, while if you are using a specialist real estate agent you can rest assured they will carry out all aspects of the process.

Understand the law

Another important factor that you should consider when you are thinking about renting out a property is to understand the law. By understanding all of the local regulations that are in operation in a particular area, you can ensure you fulfil your responsibilities as a landlord. This is especially pertinent if you are looking to rent a property while you have to always ensure you are compliant with the law in a particular area.

Therefore, in conclusion, if you are thinking about renting out your property in the near future, you should consider a number of factors, while contacting a specialist real estate agent in a particular area can also assist you throughout the process.

 

Filed Under: Business & Growth