Showing posts with label Health and Finances. Show all posts
Showing posts with label Health and Finances. Show all posts

10/01/2018

4 Easy Ways to Practice Self-Care

10/01/2018 06:09:00 AM Health and Finances , 0 Comments
Recently, mental health problems have been spiking all around the world. This has led to people realizing just how important it is to take good care of yourself. Without self-care, you may be more vulnerable to underlying mental health issues reoccurring. The best thing about self-care is that it can be followed when you feel great, as it is an essential part of a healthy lifestyle. However, it can also be followed when you aren’t feeling your best, as it can be a comfort and a helping hand in times of distress. If you are struggling to find some trustworthy information on self-care, you should consider some easy but crucial ways you can build it into your life.
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9/25/2018

How to Provide Phenomenal Care

9/25/2018 03:52:00 AM Health and Finances , 1 Comments
Care entails practical knowledge and empathy, whether you’re looking after an individual with disabilities, medical issues, or age-related handicaps. To go above and beyond, providing the best care possible, you’ll need to balance your responsibilities alongside your relationship with the person you’re caring for, ensuring that you’re listening as much as you’re providing. Below are listed four factors that contribute to the best kind of care, under whatever circumstances. If you’re getting all four right, you’ll be safe in the knowledge that you couldn’t be doing more to help the person under your care.
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9/21/2018

5 Helpful Tips For Menstrual Cramp Relief

9/21/2018 02:57:00 AM Health and Finances , 0 Comments

Every month women struggle with the same unavoidable problem of menstrual cramps. Though there are some women who have less painful experiences, most of us tend to hurt a lot. Besides googling “how to make your period come fast” and “why is my period late”, next in line is the search for finding menstrual cramp relief. Here are the top 5 ways that work for most women, some of which you probably haven’t tried yet.
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9/13/2018

Eating Healthily During Midlife Doesn't Have To Be Boring!

9/13/2018 06:11:00 AM Health and Finances , 0 Comments



You may be under the mistaken belief that healthy eating in midlife is all about cutting out the tasty items, and replacing them with stuff that looks like bird seed, or rabbit food! Of course, this isn't the case at all, and there are plenty of ways to eat a balanced diet that are enjoyable and delicious. Just read my suggestions below to see what they are!
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9/11/2018

How to Increase Brain Function

9/11/2018 07:27:00 AM Health and Finances , 0 Comments

Did you know that your brain contains approximately one hundred billion neurons? One of the most common misconceptions about the brain is that we use only 10 percent of it. No, we use it in its entirety, all one hundred billion neurons. So, it is no wonder that your brain can get tired of juggling all the difficult tasks you are placing in front of it. Because it gives you so much, your brain deserves to be rewarded with proper care and attention which will help it achieve its full potential. Here are some useful tips which will help you increase your brain function.

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9/06/2018

Making A Change To Your Personal Finances For The Future

9/06/2018 04:25:00 PM Health and Finances , 0 Comments


You need to think about the future if you want a stable financial situation. Covering your bills in the present day is a good start, but you need to think about your wealth. If there’s barely any money left in your bank account at the end of each month then it’s probably time to make some changes to your spending habits. After all, you’ll want some savings for your retirement and any other big expenses you might face down the road. Here are some ways in which you could make a change to your personal finances for the future.
 
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9/05/2018

7 Apps To Help You To Manage Your Money

9/05/2018 06:50:00 AM Health and Finances , 10 Comments
If you are the sort of person that finds managing your money pretty dull and dread the thought of having to sort through your bank statement, then this is the post for you. You might find it a little overwhelming, or perhaps just downright boring. But it doesn’t need to be that way, especially if you are wanting to make big changes to your finances and start to manage your money in a much better way. Because at the end of the day, if you don’t manage it well, then it can get out of control if you don’t know what money you have or where you have it.

Using your savings to add to your capital by investing is a perfectly reasonable course of action, but only if you aren't putting your initial investment at undue risk. If you are new to investing, there are good investing apps for beginners to get you started. With smartphones being a massive part of our lives now, it makes sense to help them to make our lives a little, easier, right? There are so many tools out there that can help us to manage our money better, but it is even better when they are tools that we can use right from the palm of our hand. If you struggle to make sure you have enough cash to last you until payday, or are paying back a personal loan and need to remember to make payments, then there will be an app for that! With that in mind, here are some of the best apps out there to help you to manage your money, so you’ll be a little more Warren Buffet and a little less Lindsay Lohan. Have you used any of them before?

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Relaxation Tips For Every Stressed Out Mum

9/05/2018 06:42:00 AM Health and Finances , 0 Comments


When you become a mother, lack of sleep and stress also become your constant companions, and you sometimes do not even know how you should survive the day. Here are thirteen preventative and uncomplicated chill out tips that promise relaxation for mothers, and with which you can recharge your batteries every day!
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8/29/2018

Rebuilding Your Broken Bank Account Little By Little

8/29/2018 03:45:00 PM Health and Finances , 0 Comments
You hate the feeling of logging into your online banking when you know there is going to be a scarily low figure staring right back at you. The feeling of dread comes over you when you have to spend money; getting on top of your finances never seems to get any easier. You don’t want to take out a loan because you know this will simply spiral your spending out of control again. You want to rebuild your bank account backup to what it used to be, without living in fear of spending money on day to day necessities. You realise this isn’t going to happen overnight, but you are now willing to make all the changes you need. Whether you need to explore better options for credit cards or you need to find a second income, the time has come to make those positive changes to your life. You don’t want to spend the rest of your life living in fear of your bank balance, so why not give these ideas a try right now? You will quickly adjust to your new lifestyle and you won’t need to overthink about money anymore. Explore all of these options and make some small tweaks to your day to day life today.
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8/28/2018

Don’t Want To Take Out A Loan? Here Are your Other Options

8/28/2018 08:37:00 AM Health and Finances , 0 Comments

Borrowing money can be an easy way of getting emergency cash, but in the end, you have to pay that money back, often with interest added on top. Not everyone can afford to take out a loan and other people may be rejected if their credit score is too low. Fortunately, there are other funding options out there for when your money – here are just a few options.
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8/15/2018

Handling Small Business Finances With Just Pen And Paper

8/15/2018 01:09:00 AM Health and Finances , 1 Comments
Being new to the world of business, the task that everyone else in a similar position to you does can seem daunting. They have already been doing these things for years and years, while you may have only just come into age. Small business finances can be easy and simple, or they can be needlessly complex and time-consuming. The tracking and logging of logistical equipment buying, renting, loans, contracts, deal, as well as sales and savings are just some of the things you’ll be introduced to. There are some great ways of doing all of these financial tasks online and using modern software to help you keep tracking of savings and spendings. But even these software options have to be properly studied, applied and improved as time goes by. What if you need to track your business finances right now and don’t have the option of waiting to learn Excel or similar software? Well, the old methods that were used before the computer age are still valid and could make life so much easier for you.
   
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8/14/2018

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7/27/2018

Top Tips for Managing Your Family Finances

7/27/2018 07:42:00 AM Health and Finances , 0 Comments



It’s claimed that money causes more problems in families and between partners than pretty much anything else. If you’ve ever experienced the worry and stress of living through financial difficulties, you’ll know what a serious effect it can have on your relationship and your family’s wellbeing. If you haven’t, then congratulations! However, it doesn’t mean you won’t face your own financial challenges in the future. Therefore, it’s sensible for every couple to take charge of their finances and ensure the security of their family for the future.
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7/24/2018

Saving money on low income

7/24/2018 09:50:00 AM Health and Finances , 0 Comments

Living on a low income isn’t easy. Wondering how your pay will fund essential household outgoings, such as food and heating, can put a serious strain on you and your family.

If you’re struggling to make ends meet, it can be difficult to see a way out. In order to make your money stretch as far as possible, you are going to have to use all of the tricks in the book.
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The Essential Guide to Save Money Effectively

7/24/2018 05:05:00 AM Health and Finances , 0 Comments
We all know that saving money is a good idea, essential, some would say, but it can be truly difficult to make a start, especially if you’ve never tried to save before. However, if you can put money aside each week or month, it can make life a lot easier in the long term. Here are some useful pieces of advice about how to save money and change your life for the better.
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7/12/2018

What To Do When Your Monthly Bills Become A Daily Struggle

7/12/2018 07:59:00 AM Health and Finances , 0 Comments
Do you constantly worry about paying your bills? Do you fear that you are not going to have enough money in your bank account when your next direct debit comes out? If this is the case, it is time to take action. Worrying about money and bills can take over your life if you are not careful. You don’t want to spend all of your life fretting and counting your pennies, so read on to discover the steps that you need to take.
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7/10/2018

Overcoming Poor Credit History - Loans For Struggling Borrowers

7/10/2018 03:42:00 AM Health and Finances , 1 Comments

Financial Fixes

Stressed-out parents doing their best to make ends meet may have had a hard time keeping up with financial payments in the past. Unfortunately for people who have got themselves into a financial mess, these monetary mistakes tend to stick to us like an unwelcome odor. However, by taking the time to look on the Internet for websites providing solutions for people with a poor credit rating, bad debtors may be able to fix their financial predicament.

There are a number of things that can be affected by having a history of bad credit, increased premiums on car insurance and difficult dealings with utility providers being just two of them. Searching online for well-informed sites detailing ways to improve our credit rating would definitely be time well-spent for people who are in need of a financial fix. 
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5/09/2018

Have a New Small Business? Three Tactics to Ensure Stability

5/09/2018 06:26:00 PM Health and Finances , 1 Comments

Today’s small businesses exist in a landscape of economics that is new and often unpredictable, forcing out-of-the-box thinking and creativity just to get started, let alone remain stable. Here are three tactics to ensure stability for a new small business venture.

1.      Prepare: All too often, entrepreneurs have boundless energy to leap into a venture before thinking through it. 


While that may be the great beginnings of an idea, a business owner needs to have a long-term plan too. Take the time to prepare and think through decisions for the stability of the business. 



 For instance, a business owner should clarify all the reasons and goals for the business, and the best place to start, especially with a small business, is personal. The “why” behind the business, the time frame, and the goals of the business are key to making sure it lasts. 
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4/18/2018

What Fuelled The Rise Of Alternative Lenders?

What Fuelled The Rise Of Alternative Lenders?

4/18/2018 03:08:00 AM Health and Finances , 1 Comments


There has been a tremendous increase in the alternative finance business across the country. But have you ever given a thought to what has fuelled the rise of these alternative lenders?

Even since the 2008 crash, the high street British Banks have been very reluctant to fund the start-ups and small businesses. This has resulted in the failure of thousands of start-ups and small businesses over the last decade.

This gave rise to another question; can small business owners trust the high street banks?

Even after facing rejections, the small businesses continued to trust the big banks. But due to continuous failed and fraudulent activities of banks made the UK SMEs think otherwise. One such event was of a bank actively working against small businesses for mere reason of gaining profits and bonuses. RBS was exposed for making up fees, imposition of high interest rates, acquiring equity and property from failed businesses and for gaining huge bonuses over it.

Although this was a publicly owned bank, its behaviour was not in the benefits of the public. This incident certainly made small businesses and start-ups avoid seeking financial helps from the high street banks.

Even today, certain small businesses and start-ups believe in their local banks and trust them when it comes to financial support. What they forget is that they simply cannot rely on local banks to fulfil their financial needs anymore.

The FCA’s report on RBS is another example of how much have the big banks fallen in the eyes of the business community. This leaves us with the fact that the high street banks are no more number #1 choice for small businesses and start-ups seeking financial support.

If a financial institution like RBS could perform such an act for the mere purpose of gaining profits, it definitely raises questions for business owners regarding the trust they have placed in all the traditional banking institutions.

Ever since the crash of 2008, the business community has become more aware about the fact that the banking community is no longer their go-to option for business finance.
This in turn gave rise to several alternative finances industries such as business cash advances, peer to peer lending and many more.

Start-ups and growing businesses require money for a variety of reasons such as growth and expansion, paying their employees and suppliers, proper functioning of their business activities, etc. Moreover, they require money instantly.

This was precisely the kind of help that RBS was meant to provide the UK SMEs rather than being a department designed purely for gaining profits. As disappointing as it is, the start-ups and small business owners have to now focus and research other funding options and choose an alternative finance options that is most suitable for their business.

For starters, there are various funding options that an alternative lender can offer. Some of these include:
•       Cash flow finance
•       Invoice finance
•       Property finance
•       Overdraft

Along with this, business owners even have to look for an alternative funding source where the treatment, rates, advices and repayment terms are clear, fair and the system they dealing with are transparent.

To give this new emerging industry a boost, it is specially backed by the UK government. Also, to increase trust of the small business owners in the alternative funding, it possesses transparency, responsibility, fairness and security. These are exactly the characteristics and standards a well structured financial institution should be providing its consumers.

No matter what financial crisis you are facing, you can seek advice from these alternative finance firms and much more. We certainly do not force you to seek their help but they are a good alternative for securing funds. If you are uncomfortable and have issues trusting them, there are several other options to secure funds such government grants and small business loans.

However, in the last few years, alternative lenders have become #1 go-to choice for small business owners in need of assistance and financial support. Consider this example of the business cash advance which is also referred to as a merchant cash advance. This type of funding is made available from £500 up to £300,000 and is advanced to the businesses against future credit and debit card turnover.

Once you are definite about the kind of funding suitable for your business, the money that is agreed upon is quick and there is no need to prepare a business plan or provide security over it. The repayments then made on the borrowed amount are a small percentage of daily card payment transactions, rising or falling in line with card turnover.

Thus, the flexibility provided by alternative finance firms is very attractive to start-ups and small business owners. Along with the flexibility, businesses should know that these products are specially designed for their needs and is exactly the kind of service that RBS had promised to provide its customers before mistreating them.

The only difference here is that the alternative lenders have earned the trust of the public and business owners and will continue to maintain that position through transparent and fair behaviour and also by putting these independent business owners’ needs first.

Although, the RBS claims and promises to have adapted a better culture since the crash, it is a long road before the UK SMEs start to trust them again. Meanwhile, we believe that the alternative finance sector is bound to emerge and succeed.
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4/05/2018

It's Time To Turn That Idea Into Gold

4/05/2018 07:04:00 AM Health and Finances , 3 Comments

We all have ideas sometimes. There are few people out there who haven’t at least come up with a Dragon’s Den-worthy creation. Even if you don’t think you have ideas like that, it’s likely you do so without realizing. How many times have you cursed about the fact no one’s invented this or that product? That sounds like an idea to us.

Sadly, few of us ever pluck up the courage to do anything about those lightbulb ideas. In fact, many of us don’t even recognize them when they happen. The ideas come, and they go, and we do nothing to hold onto them. That is, of course, until you stumble upon an idea so good that you can’t ignore it.

You’ll know straight away if this happens. You won’t be able to sleep for thinking about that idea. It’ll be so obviously logical to you, that it will baffle you why nobody else has thought of it before. And, after enough sleepless nights, you may well decide that you have no choice but to see this idea through.

Even if you never thought of yourself as a business person in the past, this could be your chance to change your life. After all, when you’re in control, you have the power to fit work around your life. As such, you can juggle family life and work the way you’ve always wished you could. And, you’ll have the joy of knowing that your creation really is changing other people’s lives.

Of course, we’re getting ahead of ourselves. A lot comes between idea and conception. And, if you stand any chance of making this work, it’s essential you take the following steps to success.
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