Looking for the key to success in student life?
The move from high-school to college is a profound change for many. A fair number of people never get the chance to gain a college degree, hence the reason why going to college is such a big deal in our society.
College isn’t just about achieving a piece of paper (college degree) though, it’s a whole new life experience comprising of several micro experiences that you will remember for the rest of your life.
So, what’s your perception of college life? Homecoming parties, some studying in between and a lot of hanging out in your dorms or football ground?
Well, we’re not in a movie, and real college life demands a lot more studying, being punctual, and of course, getting organized! We’re not saying you can’t party along the way but staying focused and planning everything out is the key to success.Read more
When you go through a breakup, you rarely think about the financial cost. Mostly, you’re focused on the emotional weight - no matter who decides to end the relationship, a long term relationship ending takes its toll on your emotions. You might feel fragile, upset, tired and lost; all these emotions are normal when you lose a connection to a person you love.
But there’s another aspect of breakups that people forget to consider: the financial cost of a breakup. If you live with your partner or spouse, breaking up can cost you a lot of money - and in this post, you’ll find out how to save money when you’re breaking up, and what kind of costs you should expect during a breakup.
When you get divorced or go through a common law separation, the financial cost will depend on your agreement as a couple. If you signed a prenuptial agreement before marriage, your assets will be protected - allowing you to separate easily with no legal argument, financially speaking.
However, there are still costs involved, even if you don’t lose any of your assets in a divorce or separation. Moving out of a shared home, for example, can be extremely expensive, especially if you are looking for short-notice removals and another place to live. In addition, the long term cost of living alone versus living with another person can be huge; you need to factor this in when you are going through a breakup.
Now you are aware of some of the key costs of going through a breakup, here are a few tips for reducing them!
Although being a team can be difficult if there’s bad blood, working together will save you both money. If you club together to organize moving trucks, apartment cleaning post-tenancy and other key costs, you will both be better off as you emerge from the relationship and into your single lives again.
When you are entering into a new phase in your life, it is important to create a financial plan that helps you to look forward, not backwards. Not only will planning out your living and social costs help you in the here and now, but it will help you to feel in control, structured and optimistic about the future.
Your friends are there for you to lean on in hard times. It can be difficult to ask for help, particularly if you pride yourself on being an independent person who does things on their own. However, by asking friends for help with moving your belongings out of your home, and perhaps even asking to crash on somebody’s couch for a few weeks while you get settled, can save you bags of money - as well as providing you with the emotional support you need during this difficult time.
If you are going through a breakup and struggling with the financial burdens it can bring, make sure you use this guide to help you alleviate some costs and cope emotionally!Read more
Everyone can benefit from surrounding themselves with the right people. No matter if you are looking to improve your mental health, your business, or achieve a goal, the right people will be there to support and guide you. Ensuring that you are surrounded with positive energy will help you achieve great things and help you maintain happiness. On that note, here are all of the reasons why you should surround yourself with the right people.
The right people will inspire you. Not only will they be there to support you and guide you, but they will act as a means of inspiration, which will push you to achieve your goals.
For instance, if you are looking to reach a fitness goal and surround yourself with inspiration, then you might want to consider reading up on the story of Mitch Vanhille Singapore. If you are working with a fitness buddy to both achieve a goal, then share this inspiration with them so that you can both stay motivated and inspire each other.
Whether you are looking to improve your office morale or home life, you will want to aim bigger and higher. Surrounding yourself with the right people can help you create bigger and higher goals and aspirations.
You might often talk yourself down and out of something. Whereas the right people will let you know that you are capable and encourage you to have bigger aspirations and goals for yourself.
The right people will help you feel happier and maintain that state of mind. They will lift you and always say the right thing.
Whether you feel down or anxious about something, speaking to them will ensure that you seek positive and useful advice. Positive people can affect your mood and help you maintain happiness no matter what is going on in your life.
When you feel that you need extra support, the right people will provide you with it. Your friends and family will always be there to support you no matter what.
If your close friends and family do not support you, then this might be a sign that they are not the right people to surround yourself with. Although they are your loved ones, it doesn’t mean that they are good for you. You need to surround yourself with people that support your goals and will always be there to help you.
Your nearest and dearest friends and family will likely be the best people to give you the best life advice. The wrong people will offer advice that won’t improve your life or help you resolve an issue.
Whereas the right people will know what is best for you and provide you with advice that will improve your life and help you overcome your problems. They might not always know what to say, but give them time and they will provide you with constructive help that will enhance your life and help you achieve better things.
Are you ready to purchase a new car? If the answer is yes then there are certain things that you are going to need to think about, and other things that you are going to need to do before you can move forward. It’s important that you take your time and don’t just go for the first car that looks mildly appealing. If you do this, you’re going to regret it in a couple of months or so when you wish you had a different car. In this article, we’re going to be taking a look at some of the things that you need to do and think about when you are getting ready to purchase a new car. Keep reading down below if you would like to find out more.
First, you are going to need to decide whether you want a new or used car. There are benefits and downsides to both of them, so it’s not a case that one is automatically better than the other. Used cars are cheaper, and have character if that is what you want from your car, but they are also more likely to need a repair. This could be a problem if you are on a budget and don’t want to spend a lot of money repairing a vehicle that you spent money to purchase in the first place. However, with a new car, while it is less likely to need a repair, and it should run like a dream, it is also ridiculously expensive. In fact, most people end up purchasing new cars on finance because they are so much money.
You should visit a dealership that sells both to get the full story and somewhere like Bayside CDJR is a good option for this. Or, somewhere similar to this that has a wealth of knowledge about cars, and both new/used on offer.
The next thing that you are going to need to do if you want to purchase a new car is to sort out your budget. Whether you decide on new or used, it’s still going to be a fair chunk of money to actually get your car, which is why you need to know exactly how much you have to spend. When you are setting your budget, take into account that the overall cost of a car is not just the purchase price, and that you need to leave some money for the rest of the costs that we are going to talk about further down.
To sort out a budget for your next car, you are going to need to look at how much money you have saved up, plus how much more money you can scrape together by the time that you purchase the vehicle. If paying the entire amount is going to be too difficult for you to pay, then you can always look at finance options. However, a lot of people don’t want this as it hangs over your head. If it’s your best option though, it’s one to consider.
Once you have set your budget and worked out what you want to do, it’s time to shop around for the best deals on the market. Even if you have a budget that is on the higher end, it doesn’t mean that you shouldn’t be looking for the best deal anyway. If you can save yourself some money, then why wouldn’t you? You would think that you would be eager to save yourself as much money as possible, especially considering the economic times that we are in at the moment.
You will tend to find that private sellers have cheaper vehicles on offer, but you will also find that these vehicles tend to be less reliable. While we’re not saying that you shouldn’t buy from a private seller if you want to, we do recommend that you use a dealership. They tend to have warranties attached to them, meaning that if something does happen to the car, you are at least covered by this and haven’t wasted a whole bunch of money.
Make sure that you test drive the vehicle before you purchase it. You need to know that it sits comfortable and that you can feel good while you are driving it. Some cars just don’t feel right when you sit in them, and you need to ensure that this is not the case for the one that you are thinking of purchasing. You don’t want to drive around in a car that you find uncomfortable for the next couple of years, which is where the test drive comes in handy.
This is especially important if it is a used car as there are some issues that you will be able to detect simply by driving the vehicle. Make sure that you are really keeping your eye out for them so that you don’t make a purchase you are going to come to regret.
It’s important that you remember about the other costs that are associated with buying a car. For example, you are going to need to pay insurance, tax, fuel, repairs and maintenance etc. There are a lot of costs that you are going to need to cover, which is why overspending on the purchase of the car is a terrible idea.
We hope that you have found this article helpful, and now see some of the things that you are going to need to do if you are getting ready to purchase a new car. It all depends on your preference as to what you are going to end up with, but the most important thing is that you make sure you can afford it before you purchase. If you don’t do this, you could end up with a nightmare on your hands. We wish you the very best of luck, and hope that you end up with a car that you love.Read more
For anyone to function effectively, a good night's rest is of utmost importance. Through the years, many remedies have come into play to alleviate this problem, some conventional and some unconventional. And among these methods include the likes of sleep supplements, aromatherapy, and regular exercise, to name a few.
So, if you're experiencing trouble sleeping regularly, you should consider some of the following helpful solutions that won't harm your health. These uncommon solutions are far easier on the health than commercial sedatives, which may risk side effects that include addiction.
Sleep supplements have become a preferred option to the regular sedative pill. They provide the much-needed rest required to be fully functional and productive the following day. These supplements generally come in different forms; some are herbal for health-conscious individuals, and some come with usual chemical compounds in them. And www.steelsupplements.com suggests a few top-of-the-line options that seem to have taken the market by storm.
Regular exercise remedies many common health ailments, and sleep troubles are just one of these issues. The release of endorphins has been found to reduce stress levels and aid one to fall asleep without much hassle for long periods throughout the night. For this method to be effective, there needs to be consistency in the workouts to achieve progress over time.
However, you don't even have to be a regular at your local gym to achieve this, as you can work out at home by mapping out your goals, creating a workout schedule, and investing in the essential bits of equipment you will need.
For some people to fall asleep, inhaling aromatherapy scents helps, and you can do this by utilizing a diffuser to release these scents into the room while you try to attain some blissful rest. Several types of essential oils are often beneficial for this specific use, including chamomile, lavender, bergamot, peppermint, ylang-ylang, marjoram cedarwood, eucalyptus, and vetiver.
All these oils have different functions depending on how you would like your sleep aids. And this could be through getting into a state of relaxation, good physical implications in the form of anti-inflammatory properties, lower blood pressure and clearing of respiratory passages, positive effects on your mood, and inducing deep sleep.
As time has gone by, it becomes more blatant and apparent that these are more trouble than they are worth, hence the better and less aggressive solutions that have been developed to curb sleep struggles. There are, unfortunately, so many side effects to using sedatives, like grogginess in the morning, addiction, brain fog, general unwellness, and bodily malfunctions.
Further research in sleep aid has proved that the more effective solutions over a more extended period are the ones that do not alter or shock your anatomy harshly. But instead, usher it in the direction it needs to go in those moments of failing to get some sleep.
The ones that target the hindrances of rest in a corrective as opposed to chemical manner. Of course, some more critical cases may require the sedatives to get the necessary results, but those are only recommended through the prescription of your medical practitioner.Read more
Drinking alcohol is a widely accepted habit in society. Besides, several people use it to cope with stress and as a potential remedy for anxiety or insomnia. However, alcohol doesn’t provide long-term solutions to these issues. Furthermore, drinking has many shortcomings and health issues such as disrupted sleep, digestion problems, depression, anxiety, and irritability. Drinking can also lead to addiction, hence creating social and personal problems. Fortunately, if you are struggling with drinking, it is possible to quit the habit. The following are some tips you can apply.
Before you start the process of quitting, you should consider sitting down and researching various options. Select an effective plan that works best for you. For instance, you should think about what to do when you experience drinking cravings and the people to provide the support you need. You should understand your coping strategies and be ready and willing to adhere to them.
Quitting drinking is easier with allies, friends, or coaches. Groups such as Alcoholic Anonymous and SMART Recovery are reliable ways of finding a supportive community. You can also seek addiction treatment from Rehab Alabama. Besides, talking about your condition with friends and family members can make a significant difference. When people are aware of your condition and are ready to offer their assistance, you will experience fewer alcohol triggers.
Alcohol medication or rehab is an effective and reliable method of treating alcohol addiction. Naltrexone, disulfiram, and acamprosate are the recommended medications for treating alcoholism. Although these medications work differently, they can help a person overcome physical alcohol addiction.
In some instances, alcohol withdrawal can be risky or even life-threatening based on a person’s condition. Seeking a doctor’s advice is crucial in ensuring that you are safe. Additionally, regardless of your withdrawal level, medical counseling can advise you on valuable resources appropriate to you based on your condition.
Minimizing drinking makes it easier for a person to quit the habit completely. Exercising moderation earlier also reduces the severity of a person’s withdrawal. Besides, it can also be an effective long-term sobriety strategy. Although quitting is the main goal, moderation is achievable and an effective way to start.
There are several activities which you can engage in to replace your drinking activities. For instance, you should consider visiting a gym. Look for social groups that focus on your other interests or hobbies, such as art, sports, or music. Besides, avoid events or activities characterized by alcohol to avoid any temptations. Engaging in alternative activities rather than drinking creates a more fulfilling and sober life.
Start by outlining the reasons why you want to quit the drinking habit. Perhaps a person may want to be a responsible parent, improve their health, perform better in school, or be more productive in their job. When you quit the habit, outline these objectives and always use them as a reminder. It would help if you also considered rewarding yourself while you make progress. Seeing remarkable evidence of your progress is a strong motivator to remain sober.
Quitting drinking is a long and challenging process for many individuals. A person may experience some setbacks during this period. Furthermore, successful people in achieving sobriety also try at least before succeeding. Therefore, you should not give up on your goals. If a certain way doesn’t work, try another method.
Alcohol addiction is a serious problem facing many people across the world. Luckily, there are several treatment options and facilities. The above tips can also help a person to quit the habit.Read more
If you are arrested and cannot afford to get a private lawyer, you have the right to ask for free legal assistance from a government solicitor. Moreover, if you are charged with a serious crime, legal aid can help you pay court fees. These are just some of the benefits that the legal aid provision in the UK can help you protect your rights as a citizen and enjoy equal access to justice.
In a nutshell, legal aid is a scheme funded by the government to assist low-income earners who need access to legal representation or legal advice without paying fees. The government will be paying the legal aid providers, which in turn pay their legal aid solicitors who are working for people who need their assistance. This concept ensures equality before the law, the right to get a fair trial, and the right to counsel.
However, the funding and eligibility for legal aid were considerably reduced during the approval of LASPO (Legal Aid, Sentencing, and Punishment of Offenders Act) in 2012. The said Act cut the solicitors’ fees and the legal aid scope such as cases of immigration except for asylum claims, family cases that do not involve domestic violence, and debt, benefits, or housing cases that do not show a direct threat of homelessness.
Legal aid solicitors are lawyers that provide legal advice and assistance for people who need representation in family, immigration, asylum, criminal, housing, extradition, and public law. For the right candidates, working as a legal aid solicitor offers a rewarding career in the context of serving poor and less privileged people.
They are part of the law firms that cater to legal care and services. Legal aid solicitors have their own specialisms and background, which benefitted a diverse range of clients who urgently need professional assistance to face family or civil disputes.
There are various ways that legal aid solicitors can help you. It includes:
If you are held in custody, a police officer can help you seek legal aid from the on-duty solicitor in the police station or get free advice from a legal aid lawyer by phone (applies only to less serious offences). If you are charged with a crime and need to appear in court, a legal aid solicitor can help check if you are eligible for free-of-charge representation. You have three options -- ask assistance from the court duty solicitor, find your own solicitor from reputable law firms, or get advice from the solicitor who helped you during your custody.
When it comes to family issues, it is crucial to work with experienced lawyers who show empathy and guide the aggrieved party with compassion. Whether it is about child custody issues, child arrangement or access issues, family finances, divorce, or domestic violence, a professional family solicitor with a history of successful cases under his sleeve will give you more confidence to fight for your rights.
Having a professional legal aid solicitor on your side will help you understand the complexities of family law and go through difficult circumstances with a hopeful spirit. Lawyers who are adept in this particular law know how to use constructive negotiation to ensure a fair settlement for their clients. An out-of-court settlement is always a better option because it brings quicker resolution of the dispute and helps you avoid the stress of appearing in court.
As for the criminal cases, respondents should find legal aid solicitors who are knowledgeable, cool-headed, and familiar with court proceedings. They know that facing a criminal act is both financially and emotionally taxing for their clients, so they make sure that the rights of their clients are not violated in any form. Legal aid solicitors know that each criminal case is unique so they work to make tailored strategies to show that their clients are innocent. In case they lose, they will work for an appeal or for the most favourable deal for them.
In summary, a legal aid solicitor is your ally when you are accused of a crime, you and your children need protection, you are being discriminated against, you are going to be homeless, you need mediation, and your human rights are violated.Read more
People whose credit scores are far from perfect may be tempted to pay for correction of borrowing histories. Debt collectors may promise to make unfavorable information disappear if you pay the debt in question. This involves “pay to delete” letters, and it is not advisable. Discover the main reasons and recommended alternatives in our article.
Generally, you may not remove any valid information from your records. However, this workaround still exists as it falls into a gray area. By law, collectors have to share factual and complete data with the bureaus. If you are offered a paid deletion, think twice. Not only is this dubious, but it may also be completely ineffective.
In 2021, this is a rare deal. In this scenario, a consumer contacts their debt collector in writing or by phone, offering to pay off the account for the sake of erasing it. If the institution accepts the deal, they remove the entry from the data they share with reporting agencies. Check this pay for delete letter template for details.
On the one hand, this is not falsification. Instead, the collector excludes a particular derogatory from the reported range. On the other hand, this is condemned by all nationwide bureaus. It is a vague ethical area.
The trick may have worked in the past, but it has little sense today, given the updated assessment systems. Paid accounts are simply ignored, so the deletion does not affect your status as a borrower. You can achieve better results through debt settlement — check the full guide. This is true for FICO 9 and VantageScore 3.0.
The novel scoring systems remove paid accounts for you, so contacting the collectors makes zero sense. The account may stay on your records. However, provided that you meet your obligations fully, the damage is minimized. For consumers, paying the debt in question is enough without any dubious agreements.
Note that while the latest models disregard paid collections, this is not true for their predecessors. In 2021, some lenders may still use previous versions of the calculations. For example, FICO 8 factors in collections over $100. In addition, mortgage lenders tend to consider any such events.
For the derogatory to appear, your account must become delinquent (30 days past due). Any late payments initially reported by the original creditor remain. Commonly, collections are reported for seven years. After it is paid, it becomes a paid collection.
Sometimes, information related to collections is erroneous. It is one of the many possible errors in your credit reports. According to the official statistics, one in five Americans has incorrect borrowing histories. In this case, there are two methods to consider — DIY repair or professional services.
In either case, the false derogatory can only be removed by the bureau involved. For example, if your Experian report contains a collection account that does not belong to you or contains incorrect details, you need to send a dispute letter with evidence supporting your claim. Here are the key stages in the process.
You can get a free copy of your report from each of the three agencies — Experian, Equifax, and Transunion — once a week. Before the pandemic, it was only possible once a year. The frequency has been changed until April 20, 2022. Go to www.annualcreditreport.com to download the files. Note that all histories are compiled independently, so any of them may have disputable flaws.
After identifying any flaws, including false collections, look for evidence. This includes bank statements and any other official documentation from the lenders and collection agencies. The bureaus do not remove any data without evidence.
Finally, send dispute letters to the bureau or bureaus that made the mistakes. This is a formal process — the Consumer Financial Protection Bureau even offers free templates. After receiving your letter (it is preferable to send it by certified mail with return receipt requested) the agency will have 30 days to conduct an internal investigation or 45 days in special cases.
Eventually, it will determine if the account is verifiable and substantiated. If not, the information will vanish, and you will get a free copy of your corrected records. This procedure is possible thanks to the Fair Credit Reporting Act, which protects you from misinformation. The biggest drawback is that you have to monitor the documents for errors by yourself.
If you do not have the time or desire to deal with official disputes, delegate this job to professionals. Credit repair agencies liaise with lenders, bureaus, and collectors to establish any accuracies on your records, including collections accounts. They open disputes on your behalf, while you monitor progress through an app or web portal.
This is the most convenient way to have the mistakes corrected, provided that the firm is trustworthy. Check BBB ratings and feedback from customers on sites like Consumer Affairs to make an informed decision. Some firms have a money-back policy, which is a major advantage.
Letters to collectors may have worked in the past, but the latest changes in assessment have rendered them irrelevant. This is a controversial legal area, as debt collectors agree to share incomplete information with the bureaus. Instead of resorting to shady methods, pay off your debts, correct any reporting errors and rebuild your history by becoming a more conscientious borrower.
If you’re entrepreneurial in nature, or seeking alternative ways to supplement your income, you’re also likely to be scammed of your hard earned money. This is because budding entrepreneurs have a tendency to take chances with their money in the hopes that they’ll get a handsome reward.
For many, this reward could be as simple as an extra $1-$3k monthly, while for others, it can be a successful business that they could leave their current 9-5 for. Unfortunately, many are getting ripped off.
Estimates show that over 60 percent of Americans have been scammed at some point in their lives –that’s more than 3 out of 5 Americans. If you don’t want to become a statistic, take the advice in this post.
Where is the business’ headquarters? Is there a physical office where you can reach them? What about their management team? Is there one? Can you reach them if you want to? Do they have a real product or is their entire business model based on speculations? Is there verifiable proof that their claims actually work?
These are some of the questions you need to ask to make sure that you’re not being scammed. If you or the person selling you the business idea can’t answer these questions, walk away.
For example, if you’re interested in multi-level marketing (MLM) but aren’t sure if it’s a pyramid scheme, a thorough MLM vs pyramid scheme assessment will show you that the MLM likely has solid products, while the pyramid scheme doesn’t. Although, you also need to be wary of multi-level marketing business opportunities as many of them aren’t worthwhile.
One of the tactics of scam salesmen is something called pressure selling. They’ll tell something along the lines of “you need to act now –or within the next few minutes– or miss out on the opportunity of a lifetime”.
They’ll tell you this without actually showing you real proof that their products or services work. In many instances, they won’t even show you the product. This tactic is means to pressure you into parting with your money.
Remember, a wise man once said “a fool and his money are easily parted”. Take your time, analyze the business idea, and seek second or even third learned and professional opinions. Remember: if it’s a good business opportunity, it’ll be here tomorrow or next year. And, you’ll be able to join or invest in it.
Most people were negatively impacted by the coronavirus lockdown. People lost their jobs and had to seek financial recourse. Many have taken to the internet in a bid to find business opportunities that can protect them from being that vulnerable again.
And scammers have taken advantage of this real need. Protect yourself and your loved ones by being extra careful. If you’re ever in doubt, seek legitimate online moneymaking opportunities that have been around for a long time. They work and can help you become financially free in time.
Most large and busy cities worldwide are adopting car sharing services due to their numerous benefits. Many entrepreneurs are adopting the trend. An example is a car sharing Phoenix. Due to its individuality and flexibility, different types of people use car sharing services every day. They include:
These types of users have so many errands to run and want to avoid public transportation. They may need to shop, pick up the children from school, visit relatives, and pick up clothes from the dry cleaner. Car sharing offers a lot of flexibility in doing all the activities.
Car sharing offers them easier and cheaper options of traveling from one city to another. These types of users can arrive at meetings on time using their suitable preferred vehicle.
Mainly includes young women and men who don't want to own a car. Ownership comes with its costs, and many millennials are saving up, or they don't want to own a car. They may either use bicycles, car sharing services, or public transportation according to their needs.
Mostly, trips into the city are reduced, and parking can be difficult on the weekend. Car sharing services allow you and your friends to select a small-sized type of car that can fit into any parking space.
Car sharing provides a great alternative for people touring a new city or town. Additionally, they can key in the coordinates to the car's computer and arrive at various destinations without getting lost.
The two types of car sharing services are traditional, where the company owns the cars. The second is P2P (Peer-Peer car-sharing), where one rents the vehicle from lenders and private car owners. Examples of traditional car sharing services are:
Examples of P2P car share:
Each car sharing service has its benefits and drawbacks. Generally, the Zipcar is more available in more cities as it has been on the market for the longest time, since 2000. Additionally, it’s available in many airports and offers a variety of vehicles to select from. Turo offers lower weekly and daily rates compared to other car sharing services.
Moreover, one must consider availability. Companies with few cars will frustrate customers, while those with many cars will have higher costs passed to users and less utilization. Car sharing companies must find a balance between service and commercial demands. Several other factors have hindered the growth of car sharing. They are;
To increase the user base, companies must be willing to support the growth by increasing the coverage. Car sharing users want to maximize in a bigger geographical area. P2P car owners may also decide to expand into other cities to satisfy the demand.
The technology supporting car sharing must be reliable and accurate. Customers don't want to order a car being shown on the map, but it is not there in reality. Companies and peer organizations should be willing to invest in IT experts as well.
Additionally, companies must be willing to invest in training qualified personnel to help in support services. No customer on a 2-hour journey wants to get stuck on the road for 30 minutes waiting on the phone to report some car damage.
People tend to demand car sharing services of similar types at the same type. The demand for these services varies depending on the time of the year, month or day. For example, during holidays, rush hours, and school runs.
For entrepreneurs willing to venture into this type of business, there are many opportunities in this business field. Also, one may decide to rent their car out to enjoy a passive income.Read more