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How to Prepare Your PRINCE2 Agile Foundation Exam

  • October 14, 2021

Prince2 Agile Foundation

To achieve the prince2 agile foundation certification, first, you need to prepare yourself for the multiple-choice exam. But before that, you also have the option of undergoing a practical training class of just three days where you shall receive the professional guidance of professionals in this regard. You would find numerous training institutes that offer this class. So make sure you do a bit of research and select a reputable training institute to get quality training and learn all that you can about the foundation courses. And the best part is that you do not even have to pay for the classes. In other words, the prince2 agile training is free of cost.

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Is Debt Consolidation The Right Solution for You?

  • October 13, 2021

 

Feeling a lot of pressure from your debts? You’re not alone. Carrying large amounts of consumer debt has become the “new normal,” but what happens if you start having trouble making your payments, or have so many different accounts that it’s hard to keep them organized and current? And, how do you feel about the high interest rates you may be paying on certain credit cards and payday loans? 

If you are a typical consumer, you acquired these debts when you purchased things you needed – and you told yourself, “I’ll have no trouble paying this off in ‘x’ months.” 

But life has a way of intervening in these plans.

Options for Lowering your Payments and/or Interest Rates 

Debt management has become an important topic for today’s consumer. From simple credit counselling and help with budgeting, to more comprehensive solutions such as consumer proposals and bankruptcy (available if you have become insolvent), there are options for every financial situation. Each one can put you on a better financial footing going forward. 

If you still have the resources to pay your bills, but it’s getting tight and/or too complicated, debt consolidation could be a good option.


Basics of Debt Consolidation Loans 

Debt consolidation in Canada is exactly what it sounds like: all your debts are merged into one account, using a loan from your bank. 

When you approach your bank about a debt consolidation loan, you’ll be invited to sit down with a loans officer and provide information about the credit accounts you would like to pay off with the loan – be they credit cards, payday loans, auto financing, or personal loans from friends or family. The loans officer can advise you on the likelihood of your qualifying for the loan, how quickly you would be required to pay it off, and its interest rate.

What’s good about debt consolidation? 

Life is much simpler when you have fewer bills to pay. If you qualify for a debt consolidation loan, you’ll trade in several payments for just one, and it will be easier not to forget it or neglect to pay it – which in turn will improve your credit rating if you’ve been late in the past.

Also, depending on what type of debts you pay off with the loan, your new interest rate may be lower – especially if you are paying off payday loans or other loans with high interest.

Drawbacks of debt consolidation

One of the drawbacks of debt consolidation in Canada – not a disadvantage, really, but a caution – is that it can be difficult for you to qualify for a debt consolidation loan. Many banks will look at your current financial situation – including amounts owed to creditors – and determine whether you can afford the new loan payments on top of your current payments. Yes, you intend to pay off those other accounts with the loan – but the bank won’t always calculate that way.

This leads to the next drawback: just as the bank fears, you may end up with too much debt. This is because even though you will pay your old accounts off, those accounts (especially if they are credit cards) are very easy to use again.

The final drawback is that, just like with other loans, the bank may require collateral before it can approve the loan. If you use your house or vehicle as collateral (security against the loan), then you could lose your house or car in the event you default on the loan. This is something to consider very seriously

The Bottom Line on Debt Consolidation Loans

If you would like information on other debt management options such as credit counselling, consumer proposal or bankruptcy, start with Bankruptcy Canada’s FAQ page. You can also meet with a Licensed Insolvency Trustee who can help you sort out your options.

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4 Alternatives for Commuting in the City

  • October 13, 2021

4 Alternatives for Commuting in the City

Between insurance, taxes, gas, and repairs, the costs of owning a car can add up, which is why many people who live in cities choose not to have them. And even if they do have cars in the city, most people won’t drive them to work because of the high parking fees in business districts. Explore this list to find four alternatives for commuting in the city on a budget.

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5 Adult Halloween Costumes For Any Budget

  • October 13, 2021

5 Best Halloween Costumes For Couples

Looking for a last minute adult Halloween costume idea for your next party?

We have you covered. Here's the best adult Halloween costumes for couples.

So, what are you going to be this year?

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Here’s The Social Security Cost of Living Adjustment For 2022

  • October 13, 2021

elderly couple looking out their door holding coffee cups - social security cost of living adjustment

For those receiving Social Security benefits, you'll get a 5.9% Cost of Living Adjustment increase in 2022.

Learn more from Social Security's website.

Related Content to Social Security Cost of Living Adjustment:

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5 Deliciously Easy Slow Cooker Chicken Recipes For This Week

  • October 12, 2021

Deliciously Easy Slow Cooker Chicken Recipes

Looking for deliciously easy slow cooker chicken recipes to make for your family this week? Look no further!

My wife Anna loves the slow cooker. She swears by it. I'm not a cook myself, so I rely on her to make delicious meals (and she does).

What she enjoys most (as does her mother) is the ability to put all the ingredients in -- and be able to leave the house! If you have children, you know that it's difficult to put together any meal ... let alone a delicious family gourmet meal.

Seriously, who has time for that? Luckily, we put together this list of our top 5 deliciously easy slow cooker chicken recipes. We think you will really enjoy them.

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Interested in Being an Active Sports Person? How To Start

  • October 11, 2021

So you want to be an active sports person? Well, it's not as easy as just deciding and going for it. Some things need consideration before you can start training and playing. In this blog post, we will take a look at the ten most important steps for beginners interested in starting their own sports journey.

Start By Setting Realistic Goals 

If your goal is to run a marathon, for example, you might want to set an intermediate goal of running one mile three times per week or simply walking 30 minutes daily. It's advisable to start by exercising for five minutes and building up as you go. It's also a good idea to set goals that are achievable, relevant, and time-limited, like “I will run three times this week” or “I will walk every day for the next two months.”

Assess Your Physical Health 

If you are not sure how much exercise your body can take, start with a doctor's advice. You should also prepare yourself psychologically for physical activity by getting ready to sweat and work hard. It is essential to keep in mind that your body needs time to recover after exercising, so try not to overdo it when you are just starting.

If you enjoy the activity and feel good about yourself, then continue doing what you're doing! If, on the other hand, your exercise causes pain or discomfort, then stop immediately - this could be a sign of injury which will only get worse if ignored! Again, a professional trainer can help you find an appropriate workout routine tailored specifically for your abilities and goals. 

Know What Sports To Engage in 

First, think about any sports that are of interest to you. This might be for reasons such as wanting a social life or looking for escapism from everyday issues.

You may not feel confident enough when starting with certain activities, so it is crucial to cut yourself some slack and know what's involved before embarking on something completely new.  It also helps if people around you understand this too.

Secondly, research the best way to join groups at local centres or via membership options online. You could also contact nearby colleges or universities in your area with high-quality sports facilities for you to use at an affordable price.

Buy Good Sportswear

Sportswear is another critical thing you need to buy if you are interested in being an active sportsperson. You can get sportswear from big stores or opt for sportswear online shops where you get the product at a very low price. But make sure that the products you are buying are of good quality otherwise they will not last for a long time, costing more money on replacing them.

So, buy sportswear which is of good quality and also go for branded items.  This way, you can save money and also stay safe from getting injured. It is good to buy sportswear with a warranty that will help if there are any damages or other issues with the product -Athletic wear should be comfortable, so choose according to your comfort level. The best thing about buying online is that you get all these facilities in one place without going anywhere else. So, shop now to make your day easier and more comfortable.

Get in Shape(Physically, Mentally)

If you are not in good health, it is difficult to do any sports. You need to be fit and healthy before starting anything physical. Many people have the wrong idea that they can start working out only when their body becomes thin or slim, but this is far from reality. To stay active, you must keep your mind alert, too, because if your head isn’t up for it, neither will be your body!

Some basic things will help in getting yourself ready for an adventurous life ahead. First, keep a reminder on the wall where you see it every day. It will motivate you to do the things that are necessary for your body.

Visit Your Doctor 

Ask your doctor if you are in good health to participate in specific activities. Don't start right away with extreme sports or muscle building; go gradually from one activity to the next, and make sure that they don't cause any harm or injury before moving on.  Ask your doctor to give you a check-up and refer you to other professionals if necessary.

Get Emergency Pain Medication 

The first thing that you need to do is be proactive when it comes to your health. For example, if you have a history of back pain or injury, then there are certain steps that you should take for this not to occur again during sports activity. Even if the event was an accident, pre-emptive care could help prevent future injuries from occurring and thus saving time and money down the road on medical treatment. 

Have Your Kids or Friends Join You 

Many families these days have a lot of kids, and it can be tough to get them all involved in something. Instead of forcing your children into an activity they hate, let them pick what sport they want to play! Remember that active sports should always come before sitting on the couch watching TV or playing video games. If you think about giving up after a few tries, then don't bother getting your kid(s) involved because chances are they will give up as well, which is not good for their health. Not only do you need stamina but also dedication if you want to become one of those people who love being part of this healthy lifestyle. The more time between different activities during the day, the easier it may seem, so don't expect too much right away.

Have a Plan And Schedule To Guide You 

Set goals for yourself and make a game plan. Write down your personal fitness goal, short term (one week), medium-term (a month), or long term (three months). Include what you need to do to achieve each of these goals. Then put it in writing with the timeframes. This will enable you to track your progress and if you fall behind, then adjust accordingly.

Keeping a schedule is another valuable way to track personal fitness goals and meet deadlines. For example, Monday - upper body strength workout Tuesday - cardio Wednesday – lower body weight lifting Thursday – off Friday – yoga class Saturday – long run Sunday - rest day  (repeat).

While having a plan is vital for consistency, remember that plans change! Life happens, so if bad weather comes along one week, causing the cancellation of classes at the gym or any travel issues come up unexpectedly on weekends, an alternative can be used.

Just like any other goal you set for yourself, it is essential to be realistic. Envision your result and start small by working towards that long-term vision one step at a time. Don't compare yourself to others but use them as inspiration instead; remember, everyone starts somewhere.

Join Community Competitions 

Various competitions take place in your community over the year. These events are a great way to meet new people, try something different and have fun! You can also choose which activities you want to participate in, from swimming, running or football. Community competitions will help you get fit, have fun and get great prizes.

Conclusion

People who are interested in starting an active sports life should look into the following things. First, they need to decide what kind of sport will be suitable for them and second, they must figure how much time can be devoted to it every week or month to not burn out too quickly. Finally, depending on their choice of activity, they should make sure that it fits with their lifestyle and aims.

So you want to be an active sports person? Well, it's not as easy as just deciding and going for it. Some things need consideration before you can start training and playing. In this blog post, we will take a look at the ten most important steps for beginners interested in starting their own sports journey.

Start By Setting Realistic Goals 

If your goal is to run a marathon, for example, you might want to set an intermediate goal of running one mile three times per week or simply walking 30 minutes daily. It's advisable to start by exercising for five minutes and building up as you go. It's also a good idea to set goals that are achievable, relevant, and time-limited, like “I will run three times this week” or “I will walk every day for the next two months.”

Assess Your Physical Health 

If you are not sure how much exercise your body can take, start with a doctor's advice. You should also prepare yourself psychologically for physical activity by getting ready to sweat and work hard. It is essential to keep in mind that your body needs time to recover after exercising, so try not to overdo it when you are just starting.

If you enjoy the activity and feel good about yourself, then continue doing what you're doing! If, on the other hand, your exercise causes pain or discomfort, then stop immediately - this could be a sign of injury which will only get worse if ignored! Again, a professional trainer can help you find an appropriate workout routine tailored specifically for your abilities and goals. 

Know What Sports To Engage in 

First, think about any sports that are of interest to you. This might be for reasons such as wanting a social life or looking for escapism from everyday issues.

You may not feel confident enough when starting with certain activities, so it is crucial to cut yourself some slack and know what's involved before embarking on something completely new.  It also helps if people around you understand this too.

Secondly, research the best way to join groups at local centres or via membership options online. You could also contact nearby colleges or universities in your area with high-quality sports facilities for you to use at an affordable price.

Buy Good Sportswear

Sportswear is another critical thing you need to buy if you are interested in being an active sportsperson. You can get sportswear from big stores or opt for sportswear online shops where you get the product at a very low price. But make sure that the products you are buying are of good quality otherwise they will not last for a long time, costing more money on replacing them.

So, buy sportswear which is of good quality and also go for branded items.  This way, you can save money and also stay safe from getting injured. It is good to buy sportswear with a warranty that will help if there are any damages or other issues with the product -Athletic wear should be comfortable, so choose according to your comfort level. The best thing about buying online is that you get all these facilities in one place without going anywhere else. So, shop now to make your day easier and more comfortable.

Get in Shape(Physically, Mentally)

If you are not in good health, it is difficult to do any sports. You need to be fit and healthy before starting anything physical. Many people have the wrong idea that they can start working out only when their body becomes thin or slim, but this is far from reality. To stay active, you must keep your mind alert, too, because if your head isn’t up for it, neither will be your body!

Some basic things will help in getting yourself ready for an adventurous life ahead. First, keep a reminder on the wall where you see it every day. It will motivate you to do the things that are necessary for your body.

Visit Your Doctor 

Ask your doctor if you are in good health to participate in specific activities. Don't start right away with extreme sports or muscle building; go gradually from one activity to the next, and make sure that they don't cause any harm or injury before moving on.  Ask your doctor to give you a check-up and refer you to other professionals if necessary.

Get Emergency Pain Medication 

The first thing that you need to do is be proactive when it comes to your health. For example, if you have a history of back pain or injury, then there are certain steps that you should take for this not to occur again during sports activity. Even if the event was an accident, pre-emptive care could help prevent future injuries from occurring and thus saving time and money down the road on medical treatment. 

Have Your Kids or Friends Join You 

Many families these days have a lot of kids, and it can be tough to get them all involved in something. Instead of forcing your children into an activity they hate, let them pick what sport they want to play! Remember that active sports should always come before sitting on the couch watching TV or playing video games. If you think about giving up after a few tries, then don't bother getting your kid(s) involved because chances are they will give up as well, which is not good for their health. Not only do you need stamina but also dedication if you want to become one of those people who love being part of this healthy lifestyle. The more time between different activities during the day, the easier it may seem, so don't expect too much right away.

Image Credit

Have a Plan And Schedule To Guide You 

Set goals for yourself and make a game plan. Write down your personal fitness goal, short term (one week), medium-term (a month), or long term (three months). Include what you need to do to achieve each of these goals. Then put it in writing with the timeframes. This will enable you to track your progress and if you fall behind, then adjust accordingly.

Keeping a schedule is another valuable way to track personal fitness goals and meet deadlines. For example, Monday - upper body strength workout Tuesday - cardio Wednesday – lower body weight lifting Thursday – off Friday – yoga class Saturday – long run Sunday - rest day  (repeat).

While having a plan is vital for consistency, remember that plans change! Life happens, so if bad weather comes along one week, causing the cancellation of classes at the gym or any travel issues come up unexpectedly on weekends, an alternative can be used.

Just like any other goal you set for yourself, it is essential to be realistic. Envision your result and start small by working towards that long-term vision one step at a time. Don't compare yourself to others but use them as inspiration instead; remember, everyone starts somewhere.

Join Community Competitions 

Various competitions take place in your community over the year. These events are a great way to meet new people, try something different and have fun! You can also choose which activities you want to participate in, from swimming, running or football. Community competitions will help you get fit, have fun and get great prizes.

Conclusion

People who are interested in starting an active sports life should look into the following things. First, they need to decide what kind of sport will be suitable for them and second, they must figure how much time can be devoted to it every week or month to not burn out too quickly. Finally, depending on their choice of activity, they should make sure that it fits with their lifestyle and aims.

 

Read more

What To Do When Your Medical Condition Keeps You From Working

  • October 11, 2021

When you live life with a medical condition that keeps you from working a mainstream job, it can be difficult to keep your finances afloat.  Everyone knows you need money to live, and you have to work to make money.  

It can seem like an insurmountable challenge, but you still have options.  It’s important that you take a deep breath, and give yourself the chance to explore your options.  Start now by reading through a few simple tips on what to do when your medical condition keeps you from working. 

File for Social Security Disability

If you are unable to work a mainstream job due to a physical or mental illness/injury, you should be filing for social security disability assistance.  The government has funds in place to help keep citizens in this situation financially afloat.  

You won’t have a huge income if your disability payments are all you have to sustain your life, but taking this step will give you a steady financial foundation.  However, you should prepare yourself for a lengthy process.  

Social security claims almost always get denied the first time, but don’t give up after your first denial letter.  Keep going through the red tape of the system, and you will eventually receive the help you need.  

File for Workers’ Compensation

If you are unable to work due to an injury you sustained while you were on the job, you need to start the process of filing a workers’ compensation claim.  Your employer should have insurance that covers your situation, and you are owed financial support.  

The same kind of situation applied if you were injured due to medical malpractice.  There are insurance policies in place that provide compensation in these situations.  

Consider what you CAN do 

Filing for the structured payments for your condition will take a while.  You will need an income in the meantime, and here is where your creativity comes into play. 

Take the time to map out what you can still do.  Think outside of the box.  For instance, are you good at helping people feel better about themselves?  Motivational speakers make good money.  

Start your own business 

Once you’ve taken the time to consider the things you can do, use that information to start your own business.  If your disability is purely physical, your mind should never be wasted.  Use your mind as your go-to tool.  

Anyone can start their own small business, and the boundaries for making a business are wide.  You could sell arts and crafts, or develop your own scented bath salts.  Find something you are good at doing, and consider how you could twist it up into a full blown business.

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How To Prepare for the Opening Day of Your New Business

  • October 8, 2021

How To Prepare for the Opening Day of Your New Business

You’ve done it! You’ve finally quit your dead-end job and have taken the steps needed to open your own business. However, your first day is right around the corner, so you’ll want to make sure you set everything up and get it ready. If you need some tips on how to prepare for the opening day of your new business, you’ve come to the right place.

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