4 Ways to Save Money When Renting Off-Campus Housing

If you are heading off to college or university, you have a lot of key decisions to make. First you will have to decide which schools are the best for you. From there, you’ll have college admissions tests to take and seemingly endless application forms. All the effort will have been worth it, though, when you hear that you are accepted at one of the schools.

Once you know which college you will be attending in the fall, you will find that there are still more decisions to make. One of your biggest choices involves selecting the right university housing option for you. Some students will decide on a dorm and meal package but increasingly those attending college are finding that off-campus housing offers better options for both housing and meals.

Instead of just living in a small, dark dorm room with no amenities and having bathrooms that are shared by lots of people on the same floor, it pays to consider off-campus housing options. Typically, off campus apartments offer each student adult living with private bedrooms, private baths and a comfortable living room. This option can even save you money over the more expensive dorm room and board.

Living with Roommates

You can save a lot of money on college housing by renting a multi-bedroom apartment and sharing it with roommates to reduce the overall cost. While dorm rooms can be very cramped and often have shared bedrooms, off campus apartments are set up to give each roommate their own bedroom and private bath plus a shared living room. This gives each person in the apartment plenty of private space and still lets everyone hang out together when they want.

Cook Your Own Meals

Unlike dorms, where you purchase an expensive meal plan, off campus apartments come with a kitchen where you can prepare your own meals. By shopping weekly grocery sales and eating food you’ve cooked yourself, you can save a substantial amount of money. It also helps if you and your roommates pool money for basic kitchen essentials such as oils, spices, rice, soy sauce and other items.

Live Close to Campus

If you choose an off campus apartment complex that is close to your college or university, you won’t need a car to get to your classes. Cars can be a huge expense for a college student, so not needing one will save lots of cash. With an apartment close to the school you will be able to walk to class and school events.

Live Close to Grocery Stores and Other Shops

It’s also wise to find an apartment that is located within walking distance of grocery stores, coffee shops and the like. This way it will be easy to do your weekly shopping or to stop off at a local coffee shop for that morning jolt of caffeine or to write your paper. By being able to walk to these locations you will save money on monthly car payments, expenses and gas.

If you want to save money on your college expenses, consider renting an off-campus apartment instead of living in a dorm. You will find that your dollar will stretch much further when you choose to live off-campus during your college years.

The Benefits of a Back Pain Assessment

If you suffer from back pain, you know that at times the pain level can be excruciating. Whether it is from a pinched nerve, misalignment in your spine or other cause the pain can often radiate across your back and up into your neck or arm. The pain is intense and in some moments it seems like you might never get relief.

Problems with back pain affect the very fabric of your life. People with back problems often find that their life is disrupted and they are no longer able to do the things they love to do. Sleep can be interrupted and you may wake up with intense pain because of the angle of your spine or back during sleeping. Daily tasks that once were easy may worsen the condition. For example, even carrying groceries in from the car may strain an already injured area and trigger another cycle of pain.

The road to recovery begins with taking action for what’s going on with your back. One of the best first steps in the process is to take a back pain assessment that guides you through questions about what is going on. After you complete the questionnaire you will receive advice and useful information for treating your condition without surgery.

The Next Step

After you have completed the back pain assessment the next step may be to schedule an appointment for an in-person assessment and follow up. Chiropractors are experts in helping people relieve back pain problems without the use of surgery or addictive drugs. They are specially trained to evaluate the structural alignment of the spine and look for conditions that are causing you pain. An estimated 18 million adults receive healing chiropractic treatments each year.

Your First Visit

When you go in for your first appointment the chiropractor will talk about what’s going on with your pain and your back. Patients find that chiropractors take the time to really listen and truly care about their problem. They will conduct a full assessment of your spine and other structural elements. X-rays are often taken so the chiropractor can accurately diagnose areas that need attention and healing. They will also evaluate your posture and look for signs of chronic problems.

How Chiropractic Care Works

The alignment of our spine is critical to our overall health. Over time, repetitive activities such as sitting hunched over a keyboard all day can cause misalignments that leave us with poor posture and even pain. Sometimes there are chronic conditions that cause our spines to curve. In all of these cases, the chiropractor can help bring relief by making careful adjustments to the spine. These adjustments, which may be done manually or with use of a tool, help us realign to our proper form.

If you find yourself suffering from chronic back pain that is affecting your daily activities and your quality of life, you should get a full back pain assessment from your chiropractor. They will be able to assess exactly what is happening with your back and recommend a treatment plan that will put you on the road to pain-free good health once again.

How a Personal Injury Attorney Can Help You

If you have been injured in an accident that was the fault of another party, chances are you will have to deal with their insurance company. Insurance companies come into play in a wide variety of cases where negligence was involved. For example, you might be injured in a car accident that was the fault of the other driver. Perhaps you suffered a slip and fall at a local store. In extreme cases, you might find yourself the victim of medical malpractice due to negligence by doctors who were treating you.

You may often recognize the names of these insurance companies and assume that they are reputable. Be aware, though, that their primary interest is in saving money by severely limiting or not paying out on your claim.

When to Hire a Personal Injury Attorney

If your injuries or damages from the accident or negligence are substantial, it pays to consult with and retain a personal injury attorney who can advise you and represent your interests in this matter. In some cases, you will need their services to conduct investigations, negotiate with the insurance company or file a suit if the case is not settled fairly.

The Insurance Company’s True Interests

When you file a claim with the insurance company of the negligent party, you will be assigned an insurance adjuster who evaluates your claim and computes a possible settlement amount. Even if the individual is very personable and seems to care, know that they are employed by the insurance company and their primary role is to limit the compensation you receive.

Your Personal Injury Lawyer and the Insurance Company

A top-notch personal injury lawyer has years of experience in dealing with insurance companies, and the resources to conduct a complete review of your case. They can advise you as to fair settlement amounts for medical expenses, lost wages and pain and suffering. Because of their extensive experience, your personal injury attorney is well-qualified to negotiate with the insurance company so you come away with a settlement that reimburses you for what you have been through.

Be Careful of Delaying Tactics

When you are dealing with directly with the insurance company after you have filed a claim, they may offer a quick settlement that is much less than the actual damages and is therefore unacceptable. If you refuse to settle at that amount, injured parties often find themselves a victim of insurance company delaying tactics. You may find that the insurance company begins to ignore you or delays things by transferring you to other agents or ‘losing’ your claim. Insurance companies use these tactics so you miss key deadlines to pursue your claim. For instance, in some states for auto accidents you must file a suit within two years after the accident occurred. Your personal injury attorney knows the rules and will keep your claim on track.

If you have suffered substantial injuries or monetary damages due to the negligence of another party, it’s best to consult and retain a personal injury attorney to represent you in the matter. They truly have your interests at heart and can help assure that you receive the money and medical care you truly need.

4 Ways to Take Great Care of Your Teeth

If you would like to have a great smile throughout your lifetime, it’s important to take good care of your teeth. In addition to getting annual checkups and having cavities filled, you need to follow a regular schedule of preventive dental protocols. These treatments can help your teeth last longer and stay stronger.

Your local dentist can offer a consultation to explain the best oral care options and review the available preventive treatment plans. Overall, the goal is to get your mouth and teeth healthy and then use on-going care programs to assure that good oral health continues into the future.

Preventive dentistry offers many benefits in addition to improved oral health. It will help you avoid costly problems later on, preserve your permanent teeth and keep you smiling brightly every day. There are several types of preventive treatments to consider.

Cleaning Your Teeth (Prophylaxis)

One of the best options for improving the health of your teeth and mouth is to schedule regular cleaning of your teeth. During this procedure the dental hygienist will be able to perform a thorough cleaning of your teeth, including those hard to reach places that most brushing misses. They remove and prevent the buildup of plaque and help make sure that your gums continue to be healthy. They will also polish and examine your mouth and teeth. Scheduling regular teeth cleaning helps you stay ahead of problems and improves your oral health.

Dental Hygiene Evaluation and Training

Part of your time with the dental hygienist will be devoted to reviewing and evaluating your daily oral care regimen. Suggestions about the best way to brush and floss may be offered and the dentist or hygienist may also suggest important options that can help preserve your teeth. One example is the use of a guard to help prevent grinding your teeth during the night. When you grind your teeth, you break down the structure of the tooth and create problems that will result in expensive tooth repairs. A night guard cushions the teeth and protects them from further damage.

Fluoride Treatments

Fluoride is often applied to the chewing surface of the back teeth in order to help improve their resistance to decay. This treatment works for both children and adults. Fluoride may also be applied along the gum line as a means to desensitize adult teeth. There are even special fluoride prescriptions that can help reverse small cavities deep between the teeth.

Sealants

Many of us remember having lots of cavities when we were kids. Preventive dentistry now offers treatments that cover the surfaces of the back teeth in children with a plastic sealant. This dramatically reduces the incidence of back teeth cavities at an early age.

For the best protection and care of your teeth be sure to schedule regular appointments for preventive dentistry. By following this approach, you will greatly improve your oral and dental health and help assure that your teeth are in great shape for years to come.

Why Location Matters When Choosing Off Campus Student Housing

Today’s university students have great options when it comes to selecting the right housing for their college years. While you can still choose to live in a dorm, many students are finding that the small, cramped rooms, community bathrooms and overly expensive meal plans no longer suit their needs.

Instead, college students are increasingly deciding to live in off campus student housing. These apartment complexes offer each person a private bedroom and private bathroom. In addition, there is a full kitchen with dining area and a living room for relaxing and spending time with your roommates or friends. A washer and dryer comes standard in each housing unit which makes laundry chores a breeze.

When you are researching and reviewing the best off campus apartments, remember the age-old real estate adage “location, location, location”.

Get to Your Classes on Time

If you want to make your daily life easier, choose an off campus apartment that is close to your college or university. It’s wonderful when you can easily walk to your classes in just a few minutes time. There’s no need for a car to get to the college so you’ll save big on automobile expenses and campus parking permits too.

Enjoy Campus Events and Gatherings

A lot of great events occur on campus, from football and basketball games to concerts to great speakers and more. Living in a student housing apartment just minutes from campus lets you take in all the activities and events the university has to offer. It’s great to be able to easily walk to events and not have to fight the traffic getting there.

Walk to Shopping

When you are looking for the right off campus complex for you, it’s important to see how close you are to groceries and other places you will need to shop. If you select a place to live that has great stores nearby, you’ll be able to walk and pick up the groceries easily. There’s no need for a car or paying for an expensive Uber ride just to get the food and supplies you need.

Walk to Restaurants, Bars and Coffee Shops

When you live in a dorm there are limited options for food, entertainment and fun places to meet friends. One of the nicest perks of off campus living is that you are much closer to affordable places to eat, great coffee shops and fun neighborhood bars. If you choose an off campus apartment that is centrally located near all the places you love to hang out, you’ll be able to walk everywhere you need to go.

As you consider your options for student housing be sure to check out the advantages of off campus apartments. You get a lot of amenities that really matter to college students, including private bedrooms and bathrooms, full kitchens and in unit washers and dryers. By choosing the right location you will also be a short walk away from campus, shopping, restaurants and bars.

3 Key Areas Where Chiropractic Care Can Help

If you are at a place in life where your overall health is not what you would like it might be time to invest in a program to revitalize your well-being. When you are suffering from specific discomforts, experiencing chronic or intense pain or have noticed that your movement and posture is not right it’s likely a good time to consult a local chiropractor.

A professional chiropractor can evaluate your conditions, assess your overall health and recommend a treatment plan that will have you feeling as good as new. While they specialize in keeping your spine and body structure in perfect form, they can also provide you with nutritional guidance and caring treatment for a number of different conditions. Their spinal adjustments can improve your posture and restore your spine and body to its perfect form.

During your initial visit your chiropractor will carefully listen to your health concerns and perform an assessment. X-rays are often taken so that the chiropractor can evaluate what needs to be done to help you. These X-rays also serve as a benchmark to show the progress you make during treatment.

Headaches

If you suffer from severe or recurring painful headaches your chiropractor may be able to help. Headaches can often be caused by a misalignment of the neck or spine, tension or reduced oxygen flow. Poor ergonomics at work can also contribute to the head pain you are experiencing. Your chiropractor will evaluate the causes for your headaches, perform the necessary adjustments and create a custom treatment plan to help you.

Chronic Back Pain

When you experience chronic back pain, it can disrupt and ruin your life. Daily tasks become difficult or impossible when you are in extreme pain and cannot function in life. Even your sleep might be disrupted as you wake up several times a night. Chiropractors specialize in providing back pain relief without surgery or dangerous pain killers. Their spinal adjustments can take care of problem areas and they can also recommend the best exercises to do to help with your care.

Spinal Problems from Sitting All Day at the Job

So many people spend their days at a desk, hunched over a keyboard as they lean forward to look at the monitor. One of their hands continuously reaches out for the mouse and incoming phone calls are juggled by cradling the phone between your head and neck. With every passing work day this repeated positioning results in poor posture and extra pressure on your shoulders, neck and back. As a result, spinal discs and bones can actually shift and become badly misaligned. Your chiropractor can evaluate your spinal structure and workplace ergonomics, make appropriate spinal adjustments and provide tips for improving your posture and health.

When you are in pain or notice that your posture has slumped and your shoulders are not balanced with your body, it’s time to seek out top-notch chiropractic care. Chiropractors can provide the spinal adjustments and comprehensive treatment plans that will alleviate your current levels of pain and help restore you to optimum and complete health.

The Benefits of Green Cleaning for the Home

Today’s consumers are increasingly joining the natural products bandwagon. From organic food and free range or grass-fed meat to cutting back on one use plastics and Styrofoam, concern for our health and the environment continues to grow. Businesses have noted this trend and are increasingly offering products and services that qualify as green.

One area where this trend has made its mark is with household cleaning products. Many people have grown wary of the harsh and dangerous chemicals that are often found in the typical items we have used for years to clean our home. Instead, they seek out cleaning solutions that are green certified or contain more natural ingredients. Some consumers have even started making their own solutions using basic items that your great grandmother would have used.

The rising demand for green house cleaning has also helped shape the home cleaning service industry. Savvy companies understand the consumer desire for safer, more natural cleaning options and are increasingly offering green alternatives that meet the customer’s needs.

Living in a Healthier Home

A traditional cleaning company using harsh solutions and chemicals can affect the overall health of your home. The cleaning process unleashes sprays and puts the chemical products into the air where it is circulated to all your rooms by the HVAC system. With green products you are only introducing natural elements into the home. Many people notice a decrease in respiratory conditions and asthma when they switch to a green cleaning service.

Protecting the Environment

When you use products with harsh chemicals and ingredients that are not good for the environment, you are often not aware of the environmental ripple effect. The cleaning product is made in a manufacturing plant that likely releases part of the chemicals into the air and soil. Within the home, caustic products for cleaning toilets and tubs are soon washed down the drain where they enter the water supply. With green products you help assure that the effect on the environment is minimal.

Safer Products for Safer Use

Some household cleaning products come with some pretty strong warning labels. Chemicals that are contained in window cleaners and drain and bowl cleaners can cause serious health problems. Sometimes even a product that seems harmless may contain ingredients that are not good for you. For example, scented air fresheners typically contain phthalates, which disrupt our health and bypass our skin to go directly to our internal organs.

Vacuuming Matters Too

Vacuums without good filters often kick up an incredible amount of dirt and dust around the home. When selecting a green cleaning service, it’s best to look for one that uses vacuums that are listed on the Carpet and Rug Institute’s Green Label Program. These vacuums are great at removing asthma triggers in addition to cleaning up all the dust and dirt.

By hiring a green cleaning service, you are protecting your family’s health and helping assure that your live in a safe home environment. Green cleaning products do a great job and protect the environment and your health and safety at the same time.

The Importance of an Advanced Anti-Aging Medical Program

Aging is an issue that affects each one of us, both on a personal and a societal level. Our population is aging rapidly and each one of us also comes to see the signs of aging creep in. In our twenties our hormone levels begin to decline and by our thirties they are only a fraction of their peak level. By the time we are forty our hair can begin to gray and our eyesight begins to be less sharp. We also see shifts in our muscular and skeletal structures and those aches and pains begin.

It’s best to address the aging process early in life. Anti-aging medicine is a cutting-edge field that offers clients a way to forestall or even reverse the aging process. By working with a leading anti-aging doctor you will be introduced to a medically sound anti-aging program and mentored lifestyle that helps you reduce the aging effects and maintain optimum health.

The best anti-aging medical protocols involve a number of different elements across multiple disciplines. By weaving together effective therapies and advanced methods of addressing aging, your doctor can develop a plan customized for you.

Resetting Your Natural Hormone Levels

When our natural hormone levels fall in our forties, we see the symptoms of aging start to emerge. We may find that our energy levels are lower, sleep is less certain and we are gaining weight. In addition, mental quickness is often lessened and we find that our libido may be lower too. Your anti-aging doctor can create a customized therapy of hormone replacement to help reverse these signs of aging. When your hormone levels are replenished your vitality will come back.

Anti-Aging Nutrition

For centuries human beings relied on a Paleolithic diet that consisted largely of vegetables, fruits and meats that were lean. This diet, which was natural and contained almost no processed fats or simple carbs, was the one to which our digestive systems became accustomed. By returning to a diet that is more natural with less modern artificial and highly processed foods we can restore our health and therefore forestall aging and illness. Nutritional supplements can also play a big part in crafting a great anti-aging nutritional plan.

Fitness and Exercise

Cardiovascular activity is an essential part of the anti-aging exercise and fitness routine. Resistance training is also critical for increasing bone density and helping with our body shape. More muscle mass also means we burn additional calories each day even in a resting state. A good anti-aging program will also include flexibility stretches and exercises and agility training.

Stress Reduction

Stress can cause premature aging and can affect multiple systems within our body. Your anti-aging doctor can guide you in how to address stress in your life and suggest exercise ideas and relaxation therapy that helps relieve stress in your life. A strong social support system also helps keep stress levels manageable.

If you would like to have superb health throughout your life, it’s a great idea to work with an anti-aging doctor who can develop a multi-level plan to help keep you young. By layering in important protocols related to hormone replacement, nutrition, exercise and stress reduction you can have an active and wonderful life for years to come.

Trauma Therapy Options for Treating PTSD

One of the most crippling mental health conditions is post-traumatic stress disorder, or PTSD. This condition is typically triggered when a person experiences or even witnesses a horrific or terrifying event. The effect of this event may last for quite a period of time, spanning months or even years. Nightmares, extreme anxiety and flashbacks are some of the symptoms of PTSD.

Whenever a person goes through a traumatic event there can be a difficult time ahead as they try to cope and adjust to what they experienced or witnessed. It’s very important to get treatment if you have PTSD so you can mitigate your symptoms and lessen the devastating effect of PTSD on your daily life.

As you seek counseling, you should look for a therapist who has experience helping people through problems associated with PTSD. There are different approaches and modalities used in trauma therapy, so it’s good to explore your options and discover which therapy works best for you.

Cognitive Behavioral Therapy

Often during treatment for PTSD your therapist will use Cognitive Behavioral Therapy (CBT). The basis for this treatment method is rooted in the assumption that the individual affected by PTSD need to change their thoughts and increase their coping skills. Training in using breath to manage the stress and techniques that help the individual replace irrational thoughts with less threatening, accurate understandings is part of CBT.

Hypnotherapy

A skilled hypnotherapist can guide an individual into an altered, or hypnotic, state. Once there the therapist can talk to the person about the problem they are seeking treatment for. It is believed that the emotions or thoughts that the patient feels during hypnosis are important to the healing process. Studies found that hypnotherapy helped improve sleep and decrease symptoms in individuals experiencing PTSD.

Psychodynamic Therapy

When psychodynamic therapy is used, there is a key focus on the unconscious mind. The unconscious is where thoughts that that are too painful to examine and upsetting feelings are stored. Even though thoughts that are unconscious are not within our awareness they can still have a profound effect on our lives.

Psychodynamic therapy allows the counselor to pinpoint where the individual stands regarding the traumatic event. Once they understand how the event is being processed and where the client is stuck they can help them work through processing the trauma and integrating it.

Eye Movement Desensitization and Reprocessing (EMDR)

In order to perform Eye Movement Desensitization and Reprocessing, therapists must attend special training from one of the recognized associations that conducts the educational courses in EMDR. Organizations such as the EMDR International Association or the EMDR institute offer the training on a regular basis.

During an EMDR session the client focuses on the traumatic experience while the therapist uses a moving finger or light that the patient’s eyes follow. At times sound tones are also used. The treatment can be very effective as it basically helps reprogram the brain to help alleviate the trauma.

Post-traumatic stress disorder can be a debilitating condition that drastically alters one’s ability to fully function and have a truly enjoyable life. A skilled therapist can help an individual by employing various treatments that help reduce or eliminate the effects of PTSD.

Six Tips to Help You with Private Money Lenders in Los Angeles

If the term “hard money lending” evokes images of shark-like loan sharks that trade cash out of alleys with high-interest rates, it is probably time to rethink. In fact, hard money loans are financed by reputable investors who specialize in helping clients with cash problems with their short-term loan needs.

It is much easier to obtain hard money loans than conventional loans. If your bank says “no,” hard money lender might say “yes.”

So, If you are in California and you are looking for an investment loan with a simple and fast approval process and lower rating benchmarks. A hard money loan may be right for your needs.

However, because your credit score is a less important factor in determining your eligibility, many hard money loans tend to have higher interest rates.

There are affordable private money lenders in California, though; You just have to know where to look. It all comes down to choosing a transparent and reliable hard money lender to work for. Here are some tips to help you.

1. Choose a Hard Money Lender That Has Experience with Similar Cases like Yours

There are some legal requirements issued by private money lenders in Los Angeles, as for any other types of loans. An expert is needed to structure the loan and meet the regulations.

As a result, you should look for a specialized hard-money lender that has adequate experience with clients that are just like you. Also, you should start thinking about how you intend to use the loan.

Private money loans can be used for a variety of purposes, such as:

  • Obtaining financing with a low credit score
  • Short term financing
  • Fix & Flip Loans For Businesses
  • Scroll from the traditional income requirements for prime loans

It is possible that a hard money lender who works primarily with low credit score clients may not have the necessary experience to help a commercial customer who is looking for fix and flips.

On the other hand, a hard-money lender focusing on flipping may not be the ideal option for a borrower trying to avoid the reality of low credit rating.

Once you discover your needs, you can choose a lender that can meet those needs effectively.

2. Look up the Lender’s License Information

Always verify official licenses before working with a lender. This is important, regardless of the type of loan you are applying for, but it’s vital for hard money loans.

 

3. Make Sure the Lender Operates Transparently

Be wary of promises that a lender cannot keep. You want to look for a competitive interest rate and friendly terms, but you need to think realistically. Become familiar with the typical rates offered to borrowers with your credit score and bought accordingly.

I hear and offer by the lender that sounds too good to be true then it probably is.

Before signing a loan, make sure you have an intimate understanding of the terms and have read all the fine print. You should be able to calculate exactly what you owe throughout the life of the loan (assuming a fixed interest rate).

If a hard money lender avoids questions about interest rates, terms, licenses, or anything else, you should probably look for another company to do business with.

4. Choose a Lender That Can Provide What You Need in Terms of Interest Rates, Approval Deadlines, Etc.

Next, you should think about what you would normally do when looking for a loan: the interest rate you will pay, the duration of the loan, the terms that govern it, etc.

If you are selecting a hard money loan specifically to facilitate a quick and easy application process, ask the lender how long it usually takes to complete the approval.

 

5. Be Wary of the Disadvantages

Because they are riskier than conventional loans, hard money loans are generally issued at much higher interest rates.

Typical rates start at around 7 percent and increase from there with an average of 12 percent rates. You must also pay between 1 and 10 percent of the lender’s fees, known as points.

There is a good possibility that the loan will be structured as a very short-term loan of, say, six months to three years, with a monthly payment of only interest and a sizeable global fee when the loan expires.

As with any secured loan, the lender can execute the mortgage on the underlying property if you do not make the payments.

6. Be Sure to Look for Reviews

As the last step, when selecting a hard money lender, you should always check customer reviews online.

Use common sense when evaluating reviews so as not to confuse actual and quality reviews that competitors may have left or bought to inflate ratings.

You may want to request references and follow-up as well.

In Conclusion

Finding the right private money lender in California can be challenging these days. All over the state, numerous new money lending agencies are popping out and gets hard to find the right one when they all promise the best possible conditions.

Make sure that you remember these six tips and for any further details, it’s always advisable to consult a professional finance man to help you with all nitty-gritty details.