Category: Post By Beach Lady

How To Spend Less On Car Insurance

Image Source

 

Car insurance is one of the biggest costs of being a driver and it’s a cost that is continuing to go up. If you’re tired of expensive car insurance payments, here are a few tricks that could help you to spend less no matter what your vehicle is.

 

Shop around

 

Many drivers are eager to cling onto their no-claims bonus, but sometimes it pays more to switch. When looking for cheap car insurance near me, I tend to use comparison sites. These are the best way to collect lots of quotes quickly and find the cheapest deal.

 

Up your deductible

 

A deductible is the amount that you’re willing to pay out of your own pocket in the event of a claim. If you’re not accident-prone, opting for a high deductible could be a good idea – it can considerably decrease your rates in some cases.

 

Park off-road

 

You may also be able to save money by not parking on the curb. If you’ve got a garage or driveway, consider making use of it as it could save you money. The same applies to private carparks for apartment buildings.

 

Take care with your job title

 

Certain job titles may trigger warnings to insurers that suggest that you are a high-risk driver, so be careful as to which title you use. Certain job titles such as ‘car salesman’ and ‘racing driver’ are expensive due to their nature involving cars, whilst a professional like ‘DJ’ is also expensive as DJs often must park near bars where vandalism is more common. Sometimes changing the wording of your job title can make a difference such as choosing ‘writer’ over ‘journalist’ (journalists are stereotyped as travelling around the country looking for stories whilst writers work from home, even though the reality is that both probably work from home).  

 

Look into bundle deals

 

Sometimes you can save money by taking out a bundle deal. For example, getting insurance for your home and your car can sometimes lower costs. Meanwhile, having multiple family members on one insurance scheme may make things cheaper for some of the family members (although more expensive for others).

 

Pay annually

 

One annual payment is usual equivalent in cost to eleven monthly payments. In essence, you could be getting a month’s free insurance by paying annually. Few people can pay such large instalments out of pocket, but by putting money each month into a savings account and paying out of here, you might be able to afford it.

 

Consider a black box

 

Black box insurance is a drastic measure, but it can bring down your insurance rates dramatically. It basically involves putting a black box in your vehicle which monitors your driving and control of speed. If you prove that you can drive safely, your insurer will reward you by charging discounted rates. This type of insurance has become common amongst new drivers.

 

Please follow and like us:
0

Can You Be On The Sideline And Still Profit?

Economies are made up of small individuals factors. Much like an ant colony making a bridge to cross a river, everyone in an economy needs to do their fair share or it will be dragged down. This means that the majority of people need to work, physically and mentally to retain a skill that the market requires. It’s what some people call having a ‘normal’ job whereby you are putting in the hours, working for a company and taking home your daily bread. And for some people this isn’t what they want and lust after a job that will keep them happy and maintain their lifestyle that isn’t ‘normal’. Hence this new generation of people who want to retire early and know that getting a 9 to 5 job simply won’t help them in this endeavor. Therefore, how can you still profit and set yourself up for financial freedom as early as possible yet remain on the sideline?

 

 

 

Watching the show

 

Ever just feel like people watching? You get to learn a lot about people by simply sitting back and watching their behavior. You don’t interact with them but you can see how they move, talk, present themselves and their body language and figure out what kind of personality this person has. Imagine if you could use this same philosophy in the world of business and finance to make yourself a health revenue stream? This is what an index fund is whereby there are many different stocks in one index such as FTSE 500 or Fortune 500 and they can be invested in rather than single stocks. Usually this means that the index will be pertaining to a sort of standard such as FTSE 100 being some of the largest and most successful companies in the UK. therefore when you invest in an index fund, your money will be spread throughout all the stocks that index carries. If one should fall in price, you will not make a loss if another stock rises. It becomes like a seesaw effect and gives you the ability to earn a profit from stocks without actually owning any shares and getting involved on a deeper level.

 

 

Just the asset

 

Financial assets such as commodities, indices, forex, currencies and treasuries are just like stocks in that they fluctuate all the time. Their value is definitely more stable than a stock but they do shift percentages just as much. That’s where the what is cfd trading question comes in. you can take up a position that shows you have invested in a currency devaluation. Should the US Dollar fall in comparison to the Chinese RMB then you will make a profit based on your margin field i.e. the actual difference between your position and the price you started at. Again, you don’t own the asset, you’re just predicting what kind of behavior it will exhibit. Standing on the sideline, you can study the atmosphere in the markets and make an educated decision to make yourself a nice profit.

 

You need not get involved on a deep level of personal ownership regarding stocks and the market. Investing into an index fund is more stable than picked an individual stock that will be more volatile.

 

Please follow and like us:
0

3 Ways to Take Better Care of Your Hearing

Just like we need to care for our body, skin, and eyes in order to enjoy it when we get older, we should also try to take better care of our hearing.

 

While exercising to have a strong and able body when we reach old age is something everyone understands the importance of, it’s simply not the same kind of fuss around our hearing – and, sadly, many people notice signs of hearing loss as they grow older.

Image via: Pexels

 

The little things you do while you’re still young will have a lot to say about how well you’re able to hear in a few decades, though. Here is a handful of the best ways you can start to care for your ears so that they continue to work just as well as they do today.

 

#1 Turn the music down

 

One of the main reasons why we experience hearing loss is because of the noise we surround ourselves in. While using earplugs when you’re around loud noises such as at a construction site or at a concert is important, you should also think about how loud the music you’re listening to is.

 

According to the World Health Organization, 1.1 billion teenagers are at a risk of experiencing hearing loss from use of audio devices. You can still listen to music, though, and won’t have to worry about damaging your hearing as long as you stick to the 60/60 rule; listen to music at not higher than 60 % volume and for no longer than 60 minutes per day.

 

Try to opt for over-the-ear headphones rather than in-ear ones, by the way, as these will cause way less damage if you should happen to listen for more than 60 minutes. Have a look at audicus.com for some great headphone options.

 

#2 Let your ears recover

 

After a long evening of loud music at a club or concert, it’s important that you give your ears some time off. Try to step outside for a bit in between the concerts or avoid loud areas the following day so that you’re able to recover completely.

 

One of the worst things you can do for your hearing is to be exposed to loud noises continuously and without taking time off to heal. If you suspect that you’re already starting to suffer from hearing loss, you can have a look at improvedsound.com for some of the best hearing aids on the market.

 

#3 Exercise

 

Another surprising benefit of staying active and getting your hours of exercise each week is that it’s good for your hearing. When you move, your body is pumping fresh blood throughout your body – including your ears. This is great news for your hearing as it helps your ears’ internal parts to stay healthy and working at their maximum potential.

 

You have more than enough good reasons to put your shoes on and go for that jog, in other words, and your ears will thank you for it later.

Please follow and like us:
0

How To Sell Your House In A Hurry

Picture link

 

There are so many worries when it comes to selling your house. From finding your dream home to move into, to trying to maximise the number of offers, you have a lot to think about. And if you really need to sell in a hurry? You can double those worries. Needing to achieve a quick sale can happen for many reasons- you may be battling with a change in circumstances such as a divorce or you may be acting quickly to secure another property you’ve fallen in love with, or just need to liquidate an asset. No matter the cause, being up against the clock adds a whole new dimension to selling your house. If you need to shift it fast, get started with these top tips…

 

Set The Stage

 

Many of us forget that selling a house is a process in itself – one that needs careful positioning. We are so used to our own home environment we no longer ‘see’ our surroundings. But if you want to sell, fast? Then you need to take a long, hard look at your property with critical eyes. Your first job is to draw as many prospective buyers as possible in for a viewing – it’s a numbers game, and the more viewers, the more potential offers, and the better your final sale price is likely to be. Buy some interiors magazines and take note of the trends, then spruce up your space – repaint the skirting boards, deep clean the carpets, get some inexpensive new cushions to dress tired sofas and have a ruthless declutter. If you desperately need to shift the house, consider hiring a home staging firm, who will take care of the details. Photographs are also key to get buyers over the threshold – a skilled company like RoomToPhoto.com can bring out the best in your property and get those viewings flooding in.

 

Be Accomodating

 

If you want to sell fast, be prepared to accommodate short-notice viewings – you never know who will make an offer. This does mean keeping the house in a viewable state so you’re ready to show people round. If buyers see other potential buyers leaving, so much the better. Timing is also key- spring is a peak time for families to buy due to an expectation of moving in the school summer holidays, while Friday is the best day to set your listing live – buyers begin to plan their viewings for the weekend, and your property will top the search results as most recently listed.

 

Tread Carefully With Valuations

 

If one agent values the property at a much higher price than others, think twice. Tempting though it may be to go for the highest figure, pricing your property at top whack means there’s more chance of it sitting unsold. Too low, however, and buyers may become suspicious. You need to hit the middleground – a skilled estate agency with a good track record of local sales should be able to advise on exactly where this sweet spot lies.

Please follow and like us:
0

Gaining Clarity From The Struggle: Mentally Recovering From A Conflict

Picture Source

 

When we are working hard at improving our outlook on life, there are going to be times when we will suffer some form of knockback. As we are increasing our confidence, in the wake of anxiety or depression there will be conflict. But it can be something that severely affects us, especially for those used to shying away from any sort of conflict in life. So, with this in mind, are there any tips to help you recover your mental outlook from a conflict?

Piecing The Puzzle Together

We can walk away from conflict feeling incredibly confused about the situation, and everything can go by in a blur. But it’s important for us to step away from the situation, but also to piece the puzzle together about what actually happened. If there was a conflict, and it was between you and the stranger, and you never see them again, it’s very easy to feel that we’ve been hurt by the situation, and it can put us off going to that place where the incident occurred. This is why it’s important to piece it together. For example, if you had an argument with a stranger, was that person showing signs of stress and anxiety and you were merely on the receiving end? It’s important to get a good idea of each side of the conflict.

Understand Your Own Perception

Just as important as understanding it from their point of view is understanding if you were not feeling your best self. Remember, when we are in the middle of conflict, stress and anxiety comes to the fore, and we can spend a lot of time beating ourselves up about it later on, but rather than focusing on the negative aspects, it’s better for you to understand your own perception of the situation of the time. For example, you might have been in the wrong, or it may not have been your fault at all. However you look at it, getting an idea of how you perceive the situation, and if you were to go through the situation again, if would you do it differently or not, gives you a sense of empowerment.

Devising A Coping Strategy For The Future

Yes, conflict is a part of life, and sometimes things happen where we lose our sense of power or ability to cope. If we were involved in a physical altercation, or if we were mugged, these things can impinge on our sense of safety and confidence. But it’s important to remember that there are ways and means to get justice, whether through a personal injury lawyer, or by going through the police procedure to get justice. But these moments in life impact everybody’s confidence. What’s important is how you recover from it. Justifying the situation and gaining a perspective is a very important part of recovering from any sort of conflict. But when you are in the midst of depression, it can feel like a major step back. Don’t feel this way, because it’s these challenges in life that will help us to increase our emotional strength.

 

Please follow and like us:
0
Follow by Email
Facebook
Google+
http://beachylady.com/category/post-by-beach-lady">
Twitter
YouTube
Pinterest
Instagram
Visit Us On TwitterVisit Us On FacebookVisit Us On PinterestVisit Us On YoutubeVisit Us On Instagram