- 1 Is Contrave a Diet Scam?
- 1.1 5 Worst Ways to Lose Weight in 2020
- 1.2 Miscellaneous Tips
Is Contrave a Diet Scam?
Contrave wants your money. Contrave is one of the latest weight loss pills scams pushing useless pills with the claim that it will guarantee weight-loss. American consumers spend tens of billions of dollars annually on dietary supplements that claim you can eat all you want and still lose weight.
The dietary supplement marketplace is not as safe as it should be. Weight loss pills manufacturers, like Contrave, routinely, and legally, sell their products without first having to demonstrate that they are safe and effective. China, which has repeatedly been caught exporting contaminated products, is a major supplier of raw supplement ingredients. The FDA has yet to inspect a single factory there.
Companies like Contrave, Leptitox, Saxenda, Isagenix, Valentus, Plexus, Optavia, SPX Nutrition, itworks!, Modere, Vfinity, Wakaya Perfection, Truvy, Herbalife, Nature’s Sunshine, Medical Medium, and many, many more.
People start using some of the worst ways to lose weight ever thought of. Today, the world is experiencing the highest rates of obesity ever recorded. However, there is also a movement to become healthier again. People are recommending eating healthier food, exercising regularly, and engaging in healthier habits.
These can include extreme diets and exercise routines. These do more damage than good and can result in very unhealthy consequences. Like everything that’s worth doing, losing weight doesn’t come easy. So whatever you do, don’t use any of these ineffective and bad ways to lose weight in 2020.
5 Worst Ways to Lose Weight in 2020
1. Setting Unrealistic Goals
We often look at magazines or films and set unrealistic goals for ourselves. We end up wanting to look like the most popular movie stars or the most toned swimwear models. However, those goals tend to weigh on us. This goal setting is one of the worst ways to lose weight.
Instead, try and set incremental goals like losing a pound or two every week.
2. Fad Diets and Quick Fixes
Every single year there are newfangled diets that claim that the pounds will just melt off. Recently there was a fad that involved just eating meat and forsaking all other food groups. There is also the newly popular keto diet that everyone is trying. However, nothing works better than simply eating a balanced diet and exercising.
Forsaking certain food groups and depriving yourself of things that are healthy for your body is bad. It’s one of the worst ways to lose weight. Diets which ask you to give up food groups aren’t sustainable. Eventually, you’ll have to go back to tasting things with sugar, or fat, or protein in them. The diets only work until you’ve reached your goal weight. The goal should be to sustain that weight over a long period of time.
3. Starvation or Skipping Meals
If there is a winner on this list of the worst ways to lose weight, it is probably this one. Starvation and skipping meals basically deprives you of energy; that’s all it does. If you’re on an intermittent fasting diet, that’s another story. However, that doesn’t consist of depriving you of food. It helps you eat enough in a short span of time, so that your body uses up fat deposits when you exercise.
That being said, skipping essential meals and depriving your body of the nutrients it needs is wrong. All it does is get you a one-way ticket to lethargy.
4. Being a Slave to the Numbers
Know that your weight fluctuates throughout the day and throughout the week. Hence, if you’re always looking at the reading on the scale, and judging yourself, it’s harmful. It’s one of the worst ways to lose weight. Set deadlines and goal weights. However, don’t be obsessed with hitting certain goals immediately or consistently.
Fluctuation leads to frustration and can cause high blood pressure and high cholesterol levels. Don’t stress yourself out and help your overall health. Keep consistently working out and eating healthy and stick to your goals. That’s how you’ll progress over a long period of time and maintain your goal weight.
5. Immediate Intense Exercise
In order to do intense exercise, you have to slowly work your way up. Just like you can’t bench 200 lbs on your first try, you can’t do 100 pushups on your first try. Hence, you need to slowly work your way up to the muscle mass required to do intense exercises. This includes developing the kind of muscles you need to do specific exercises.
The alternative is simply too great a health risk. Yes, intense exercise is known to burn off a lot of calories in one go. However, atrophied muscles can’t accomplish it. You can’t do it without hurting yourself or pulling a muscle.
Hence, it’s one of the worst ways to lose weight.
There are several other things you can do to prevent weight gain and lose weight. However, the best ways to do it constitute an iron will, a lot of patience, and consistency.
An All or Nothing Approach is Wrong
Don’t claim that you’ll never eat your favorite fast food item again. Don’t say that you’ll never miss a single day of workouts again. Also don’t make claims that you’ll always stick to a healthy diet, and never go back to snacking. All of these are near impossible standards. Realize that there will be setbacks so that you can pick yourself back up again.
Forgive Yourself for Missteps
Some of the worst ways to lose weight often involve stopping after a misstep. This can be a missed day of workouts, or a snack that you’re not supposed to have. People tend to give up working out simply because of these missteps because they believe that they’ve destroyed progress. This is a genuine problem that will actually destroy progress. Skipping a day in between workouts is no reason to give up, and neither is ordering out occasionally.
Get Enough Sleep
One of the worst ways to lose weight is to completely remove sleep from the equation. Remember that sleep is literally the one thing that can give you rest and is better for your long term health. Those that lose sleep are at a higher risk of high blood pressure, high blood sugar levels, obesity, and heart problems.
Manage Stress Levels
This is extremely important. Without managing stress, you’ll never get your heart rate down to a manageable level. You’re going to the gym to raise your heart rate anyway. However, your resting heart rate should be as low as possible. This will ensure that your heart doesn’t tire itself out when you exercise. Low heart rate results in lower blood pressure, better digestions, and consistent sugar levels.
Out of these 5 worst ways to lose weight you shouldn’t gravitate to any single one. Just keep exercising regularly and eating healthy, and you’ll be just fine.
10 Useful Tips That Will Help Sleep-Deprived Moms Sleep Better
- 1 1. Eat Healthy
- 2 2. Have a Massage
- 3 3. Sleep With the Baby
- 4 4. Keep Your Baby near You
- 5 5. Encourage Sleep Habits in Your Baby
- 6 6. Don’t Depend On Sleep Medications
- 7 7. Get Regular Light Exposure
- 8 8. Say Yes to Help
- 9 9. Don’t Worry about Your Baby’s Crying
- 10 10. Don’t Neglect Indications of Severe Sleep Debt
- 11 Final Thoughts
Sleep-deprived moms that work a lot don’t have the best fortune, especially if they have young infants. Juggling countless responsibilities is increasingly exhausting. As a consequence, they are forced to make compromises, which include sacrificing their sleep. According to research, only 5% of parents sleep eight hours. Most mothers don’t even get seven hours of sleep at night. What’s more worrying is that those with a child under six months have to face harsher times.
Having a child means that losing your sleep is just part of the process. Working moms are at a greater disadvantage. Fortunately, there’s some light at the end of the tunnel. The following are some tips that can help sleep-deprived moms to manage their routines and sleep better.
1. Eat Healthy
Sleep-deprived moms often seek chocolate and coffee for comfort. However, if you need more energy, then vegetables can come in handy. Nutritionists highlight the importance of a balanced diet for sleep-deprived moms. This is not to say that you should completely take your hands off chocolate or coffee – you can have them occasionally, but you should put some effort into following a healthier diet. This includes protein-rich foods, veggies, and meals that contain plenty of healthy fats. Strike a proper balance – with carbs and high fiber; your bodies can sustain longer and produce the required energy levels.
2. Have a Massage
Getting a massage is always a great idea, and it’s perfect for all of us mothers who suffer from back pain, soreness, and achiness in the muscle. Single mothers have to give away all their time, and parenting can get quite exhausting for them. If you are a single mother, then make regular visits to a massage therapist. Although it may seem too lavish, it is an investment you make to improve your physical and mental wellbeing to a considerable extent. After all, healthier sleep-deprived moms can take better care of their children.
3. Sleep With the Baby
Although every parent wants to sleep when their baby sleeps, it is easier said than done. When your baby finally falls asleep, catching some lucid dreams is not a piece of cake. For starters, you may have to do something important in that period. Still, you need to put your best effort to align your sleep timings with your baby’s.
4. Keep Your Baby near You
For sleep-deprived moms, most pediatricians recommend sleeping in the same room as your baby. At a minimum, share your room with your baby for at least their first year. Having your baby close to you has several benefits and can help you to get sufficient sleep. Since you no longer have to move from one place to another to care for your baby, you can tend to them before they wake fully and will find it convenient to make them fall asleep, so take notes, sleep-deprived moms.
5. Encourage Sleep Habits in Your Baby
Sleep-deprived moms tend to face the most troubles in the first few months of their baby’s life. During this period, your baby will cause some issues – especially due to their unpredictable sleep patterns. However, as they grow older, you can guide them by encouraging daily naps, offering regular bedtimes, and have a calmer bedtime routine.
6. Don’t Depend On Sleep Medications
When you can’t catch some shuteye despite your best efforts, it is reasonable to try out medications once in a while to fall asleep faster. However, you should remain cautious around taking a lot of meds, particularly when your doctor is not on board. In many cases, car accidents are tied to prescription drugs, as well as cause fractures and falls in adults.
When taken with a doctor’s recommendation, sleep medication can be an occasional lifesaver. Some of them can facilitate sleep-deprived moms to get at least 7 hours of sleep, which can support REM sleep and regulate sleep cycles. You can also always call Saatva Customer Service and get a new, comfortable mattress that can help you relax and have a better sleep.
7. Get Regular Light Exposure
Try to get maximum light exposure in the morning. Your body clock resets during daytime and increases your alertness. Dim the light in the evening and minimize phone usage at night. Research indicates that the blue light from phones makes it harder to sleep during the night.
8. Say Yes to Help
When someone offers help, accept it without contemplating much. Often, sleep-deprived moms resist giving their children to others. You should happily accept help from a babysitter, close friend or a family member. This way, you can earn a few hours of valuable sleep. Don’t ignore sleep deliberately; it is not less of a luxury and more of a medical requirement. Also, make sure that you avoid clocks, radio, and television while taking a nap. Ideally, a dark and cool environment will work best for you.
9. Don’t Worry about Your Baby’s Crying
Mothers are sensitive to their baby’s crying. If their safety is always on your mind, then you can invest in a baby monitor and place it near your baby – whether it is a nursery or their room. Keep in mind that your baby is safe, and crying for a few minutes is completely normal – don’t fret about it.
10. Don’t Neglect Indications of Severe Sleep Debt
Sleep-deprived moms, you must lookout for signs of sleep deprivation before landing in hot water. Sleep debt can put your health at risk. It is dangerous enough to impact your cognitive function to an extent where you may be mistaken as drunk.
Health effects worsen over time due to ongoing sleep deprivation. It has been linked to a wide range of health issues, including depression, anxiety, hypertension, cardiovascular disease, impaired glucose tolerance, diabetes, and obesity.
So, how to know that your sleep depression is too serious? Look for telltale signs, such as changes in appetite, blurred vision, mood swings, forgetfulness, and having trouble with concentration.
Come to terms with a crucial understanding: getting enough sleep is not only good for you; it also helps your baby as they get better care. Fatigue can cause irritability and cloud your judgment, and in the worst-case scenarios, even lead to an accident! Therefore, follow the above-mentioned tips to ensure high-quality care for your baby.
Can You Benefit From Using CBD For Sleep?
- 1 Why Take CBD For Sleep?
- 2 Why Do You Need to Sleep Better?
- 3 What Is CBD?
- 4 How CBD and Sleep Are Are Linked?
- 5 Reasons to Take CBD for Sleep
- 6 How to Use CBD for Sleep?
- 7 Final Thoughts
Why Take CBD For Sleep?
Did you know that people used to take CBD for sleep back in 1500 B.C.?
Every year, Americans report their troubles with falling asleep, sleep disorders, and insomnia. Often, they have to resort to over the counter (OTC) prescription. Unfortunately, these medications come with their own share of side effects. They can also often turn out to be ineffective and addictive.
Why Do You Need to Sleep Better?
There are many reasons why people struggle to fall asleep. Sometimes, it is connected to mental issues (e.g., post-traumatic stress disorder, anxiety, and depression). Conversely, too much caffeine intake also turns out to be the culprit, while certain medicines can also cause sleep issues.
People have a tough time falling asleep due to multiple factors. Sometimes, mental issues (depression, anxiety, post-traumatic stress disorder) cause complications, while in other scenarios, continuous intake of caffeinated drinks, specific medicines and external factors like noise are the root cause.
Don’t underestimate sleep issues. If you don’t address them at the earliest, it can put you at risk. Short-term disadvantages include fatigue, loss of concentration, poor focus, and heightened anxiety levels. You are more likely to get immune deficiencies, diabetes, and cardiovascular diseases in the long run. Spending your remaining life with these diseases is no joke. This is why you should try your best to avoid them.
For starters, improve your sleep by getting more sleep. Getting at least nine hours of sleep is essential for maintaining optimal health. For that, you should consider taking CBD for sleep.
What Is CBD?
Cannabidiol (CBD) falls into the category of cannabinoids and is extracted from a plant known as Cannabis Sativa. CBD doesn’t make you high, which makes it different from other marijuana plants. In the U.S., CBD is legal if it has less than 0.3% THC.
How CBD and Sleep Are Are Linked?
In the past few decades, researchers found the human body to encompass the endocannabinoid system. It is made of an intricate network comprising cannabinoid receptors distributed across the body, particularly in the brain, mainly responsible for regulating sleep.
It has also been found out that the human body produces cannabinoids, which play the role of chemical messengers. With CBD products, you can take advantage of the same impact. Research [TP1] shows that people who lack endocannabinoid deficiencies face a wide range of symptoms – having trouble with sleep is one of them.
Although the research on the impact of cannabinoids on sleep quality is still in the early stages, as of now, initial findings indicate that it is interlinked with brain’s chemicals, receptors, and proteins.
CBD is also said to shape the working of different neurotransmitters, hormones, and cells that control pain and sleep-wake cycle.
It is also theorized CBD contains large amounts of myrcene, a form of terpene. Terpenes belong to the category of aromatic compounds, which come from fruits and vegetables and are used in aromatherapy. Myrcene is a common ingredient in hops, a herb that helps with inducing sleep, and is known to provide sedative effects. According to healthcare experts, CBD also reduces pain and anxiety, which in turn helps sleep better.
Reasons to Take CBD for Sleep
Consider the following reasons to take CBD for sleep:
1. Reduce Anxiety
A major cause of insomnia is anxiety and stress. CBD enables you to control a stress hormone, known as cortisol, which has a major effect on non-REM sleep cycles. Studies found that CBD is beneficial for addressing anxiety and enhances sleep quality.
2. Get Pain Relief
Individuals affected by sleeplessness due to acute or chronic pain, have reportedly found CBD to be beneficial, especially compared to the pharmaceutical pain relievers. Unlike sleep-aids that provides a sedative impact, CBD addresses the symptoms of the pain-induced sleepiness.
3. Soothe Sore Muscles
When it comes to relieving post-workout muscle soreness, CBD is quite potent. Often gym-goers use CBD patches to recover after intensive workout sessions – it minimizes their discomfort quickly.
4. Eliminate Nightmares
Many people have poor sleep quality due to a recurring nightmare issue. Individuals who struggle with REM sleep behavior disorder (RBD), marked by heightened restlessness and nightmares, can use CBD to get the good’s night sleep they always desired.
5. Get Help for Somnolence
CBD delivers a dual effect based on the person using it and the time of the day. This suggests that CBD promotes wakefulness in the daytime, creates a relaxing effect in the night, and regulates your body’s sleep/wake cycles. Insomnia, daytime sleepiness, and somnolence are notorious – they affect productivity during your work hours and prevent you from falling asleep at night. Administering CBD [TP2] in the day can promote alertness, which leads to a serene sleep during the night.
How to Use CBD for Sleep?
Before taking CBD for sleep, you should know that it is available in many forms for medicinal usage. For instance, vaping is a popular method to incorporate CBD into your system. Similarly, edible CBD in the form of gum, mints, truffles, and gummies are also trending. These are suited for geriatric patients who can’t vape. If you are looking to skip the sugar, alternatives include sublingual products, such as oral sprays and oils. These CBDs are well known for providing a faster effect.
If you are considering CBD for sleep, keep in mind that FDA doesn’t regulate it. Hence, it is difficult to know what you are getting into. A reliable method to go around this issue is to find a product that has gone through rigorous lab testing and is certified organic.
The ideal way to take CBD for sleep is to opt for a gradual approach. Start low and slow; in this way, you get the best outcomes at the lowest dose. A typical starting dose is 4-5 milligrams.
The CBD industry is expected to explode in the next few years as CBD continues to attract positive reviews. Still, don’t take CBD for sleep before consulting a physician who has a background in CBD. In this way, you will get the best CBD treatment that addresses your existing symptoms, finally letting you sleep peacefully.
Medical Medium Cleanse To Heal Review: Don’t Be Fooled By Gullible Celebrity Endorsements
Is Medical Medium Cleanse To Heal A Diet Scam?
Medical Medium wants your money. Medical Medium Cleanse To Heal is one of the latest supplement diet scams pushing useless pills with the claim that it will guarantee weight-loss. American consumers spend tens of billions of dollars annually on dietary supplements that claim you can eat all you want and still lose weight.
The dietary supplement marketplace is not as safe as it should be. Diet supplement manufacturers used by Medical Medium, Anthony Williams, routinely, and legally, sell their products without first having to demonstrate that they are safe and effective. China, which has repeatedly been caught exporting contaminated products, is a major supplier of raw supplement ingredients. The FDA has yet to inspect a single factory there.
Weight loss is often on people’s list for improving their health, and yet most people fail to lose those extra pounds. That is why there’s a huge market for the fitness and diet industry. People want quick and easy solutions to weight loss problems, and in the process, they only end up losing money and motivation by getting influenced by companies or fake wanna be doctors like Medical Medium.
Obesity is one of the largest health threats for Americans today. According to the National Institute of Health, as many as 40% of Americans are obese. It is becoming a leading cause of diseases like diabetes and heart issues.
Earlier this year, the gyms had to close across the country due to COVID-19. This further jeopardized the health of Americans. Many people had to find health and fitness alternatives at home.
When it comes to losing weight, there is no magic spell or a quick fix. You have to actively put effort into making it work. But you also have to make sure that you’re putting your energies in the right place. Most people do want to work towards controlling their weight, but misguided information given by Medical Medium and on the internet usually takes them farther away from achieving their goals.
In this article, we are going to point out the common mistakes that people make while trying to lose weight. Keep reading to learn what not to do on your weight loss journey, but first things first, make sure to ignore Medical Medium advice.
Setting Unrealistic Goals
People fall into the trap of setting unrealistic goals for themselves. When they fail to achieve these goals, their motivation takes a massive blow. For example, when someone says, “I’ll lose 30 pounds in two months” or “I’ll lose belly fat in 3 weeks”, they are setting themselves up for failure.
How to set realistic goals?
Always start small. Your goals need to be small and incremental for you to achieve real progress. So, instead of saying you’ll lose 30 pounds in two months, you can set the goal of losing one pound each week. If you still feel intimidated, start even smaller. Make it your daily goal to walk thirty minutes and cut off sugar. Simple enough, right? It’s not only going to take you closer to your goals, but it is also a healthier way to achieve those goals instead of listening to the Medical Medium which gets their information from spirits.
Running after quick fixes and diet scams like Medical Medium
If you’ve been trying to lose weight for some time, you must have come across several lucrative and unbelievable advertisements like Medical Medium. Some claim that you can lose weight without exercising or changing your diet with a supplement or a belt. Meanwhile, others show offer expensive 10-day or monthly diet plans that promise to help you shed all the excessive pounds.
Any diet plan that allows you to eat an excessive amount of one food group or restricts you from eating a certain food group is very likely to be a fad diet and Medical Medium does just that. You don’t want to fall in the trap of Medical Medium that only bring distress and no results.
What is a healthy diet for weight loss?
The keyword here is moderation. Cutting off a certain food group or intaking, only one type of nutrient never leads to a healthy body. You want a diet that is sustainable and fulfills the needs of your body. W balanced diet plan that focuses on smaller portions in the way to success when it comes to maintaining healthy body weight.
Starvation or skipping meals
Starvation only leads to further health complications. Your body needs nutrients to function, and if you deprive it of its fuel, you’re only contributing to its deterioration. Starvation may bring quick results, but it is in NO WAY sustainable or healthy.
What is the alternative?
The only way to achieve weight loss is to maintain a balance in your food intake and your physical activity. Only relying on not eating, or eating everything and not exercising is never healthy.
Obsessing over the weight scale
Checking your weight machine over and over again in anticipation of seeing a drop in numbers is a very unhealthy habit. It can affect your mental health and discourage you at the beginning of your weight loss journey.
How to look track results more positively?
Don’t expect to see results in a matter of hours or days. Weight is a fluctuating phenomenon, and you will only frustrate yourself if you keep track of each and every drop and increment. Instead, a healthier way to track changes is to check your blood pressure, blood sugar levels, and cholesterol levels. These are the things that truly matter when it comes to physical health.
Jumpstarting on extremely intensive exercises
Overexertion has helped nobody. Remember, balance is the key. You can’t put your body through excessive physical exercises right away. You need to start small and then gradually build up to more intensive routines. Exercising too much too quickly can have a negative impact on your body. Plus, you can’t just exert yourself and make no changes in your diet. Weight loss doesn’t depend on one factor. It’s achieved by a combination of changes in your lifestyle.
How to exercise effectively?
Exercise regularly but also give yourself recovery days. If you’re working out 6 days a week, you must take a day off and let your body recover. Stick to a fitness routine for some time and be consistent with it. Make sure you always listen to your body and give it the rest and nourishment that it needs.
Effective weight loss tips
Now that you know what NOT to do, we have some tips for the things that you should DO for losing weight effectively. Take a look below:
- Never rely on an everything-or-nothing mindset. Allow yourself recovery days. Even a cheat day once a month wouldn’t hurt.
- Understand that real progress takes time, and you want to do this for a healthier body.
- Forgive yourself for mistakes and missteps, and always be willing to learn from them.
- DO NOT compromise on rest and sleep.
- Do activities that help you release stress.
Theirs is no quick fix for weight loss. You need to be patient and pursue it in a way that is healthy for your mind and body. We hope these tips help you get on the right path towards your weight loss goals.
Credit 9 Loan Offer Is A Natural Disaster
- 1 Have You Received A Loan Offer In The Mail From Credit 9?
Have You Received A Loan Offer In The Mail From Credit 9?
If you have been thinking about it and you just received a “too good to be true” loan offer in the mail from Credit 9, Tripoint Lending, Simple Path Financial, or SPF Saves or – listen to your gut instinct. Do you really think you qualify for a 3% interest rate? Do you really think that reservation code is especially for you? Check Crixeo and find out the truth.
Is Credit 9 A Scam?
Credit9 is affiliated with Americor Funding, a debt resolution company.
It appears that Credit 9 is operating a typical bait and switch scheme. They lure you in by sending you direct mail with a “personalized reservation code” and a low 4%-5% interest rate to consolidate your high-interest credit card debt.
Credit9 doesn’t tell you that you need excellent credit to qualify for a loan with that low-interest rate (which you have been supposedly preapproved for).
While the Credit 9 Nine mailer offers incredibly low rates, the licensing information on their site discloses that “typical” rates for most states they include in their disclosure are 18-24% APR.
Interestingly, while having sample rates for the State of Pennsylvania, the Credit 9 website also discloses that “These products/services are not offered to Pennsylvania residents.”
Whether it’s an ice storm, tornado, earthquake, wildfire, or a hurricane, most of us are vulnerable – a natural disaster does not come with ample notice. Although you cannot predict one, you can ensure that you are financially prepared in the wake of an emergency. Adhering to the following steps, it would be easier to organize your finances for a natural disaster.
1. Build an Emergency Fund
Experts recommend creating an emergency fund. It is one of the smartest ways to manage your finances in the event of a natural disaster. Unfortunately, research shows that 28% of the U.S. adults don’t have a plan B – no emergency savings to bail them out in the worst-case scenario.
As a rule of thumb, try to save six to nine months’ worth of core expenses – ones that can pay for groceries, insurance, and housing.
Often, after setting up an emergency fund, people are tempted to draw from it for frivolous spending. To make sure you don’t commit the same mistake, maintain your emergency fund in a separate account.
When it comes to emergency funds, focus on building both short-term and long-term funds.
For short-term investment, known as temporary investments or marketable securities, get instant access to cash but with lower interest. These can include municipal bonds, bond funds, treasury securities, and CDs.
On the other hand, long-term funds help you earn higher interest, but they have a lower wait period. Examples include index funds and stocks. In this way, you can grow your fund rapidly by earning higher interest. Direct your efforts to building long-term funds when your short-term emergency fund becomes large enough. And make sure to complete your balance transfer requests.
While planning for a natural disaster, think about what you will need. For instance, if you are confined to your home due to a storm, you will likely to need water, batteries, and flashlights. With other emergency household supplies in the mix, your total bill can reach somewhere between $200 and $300. In a similar vein, power can go out anytime in the middle of a natural disaster. Hence, if a portable backup generator is required, you may have to pay around $2,000 to $4000.
2. Go Through Your Insurance Policies
It is a misconception that homeowners insurance will cover damage inflicted by a natural disaster. For example, standard homeowners’ insurance doesn’t provide coverage for flood damage. Therefore, if you live in a flood-prone area, you may have to buy an additional insurance policy. For other types of natural disasters, review the following considerations.
You need to buy a separate policy or add a policy endorsement to get coverage for earthquake damage. This form of insurance is ideal for areas that are vulnerable to seismic activity.
Although homeowners insurance covers wind damage, exceptions exist in certain scenarios. For instance, windstorm damage is not covered in each state. In that case, you would have to buy a policy that covers wind damage.
A standard homeowner’s policy covers fire or wildfire, but again exceptions can occur based on your geographical whereabouts. For instance, insurers don’t add wildfire coverage in homeowner’s policies in areas where wildfires are a common occurrence.
3. Collect Valuable Documents
If a natural disaster damages your home, you will have to access essential documents, such as bank account numbers, credit card numbers, passports, and insurance policies. It is recommended to scan these documents and save them online in a secure cloud platform. For backup, send email copies to an immediate relative who lives in another country.
If you are more comfortable with hard copies, keep them in a waterproof/fireproof safe or a bank safe deposit box. Putting them in a desk drawer or file cabinet is extremely risky.
Apart from paper documents, shoot videos of your belongings and save them in the cloud as well. Make sure to zoom in on brand names and serial numbers. By doing this, you can report damages to your insurer when things stabilize after the disaster.
Don’t know which documents to protect? Here’s a list:
- Birth and marriage certificates
- Social security cards
- Driver’s license
- Tax returns
- Receipts and warranties of major purchases
- Appraisals of artwork, collectibles, jewelry, and other valuable items
- Credit card records
- Home improvement records
- Rental agreement/Mortgage documents
4. Invest In Repairs to Strengthen Your Home
Do you live in an older home? Are you worried that your current home cannot withstand the damage done by a natural disaster? To protect your family, you need to invest in repairs and remodels that can make sure your home can withstand any natural disaster. Since some of these updates are too costly, research well to decide which repair offers more value?
In many families, one person is in charge of managing financial activities for a natural disaster. But, what if that person is unreachable amid a natural disaster and the other members don’t know how to access the emergency fund or where is the safety deposit box placed? Such a scenario can cause considerable inconvenience to your family. Hence, make sure that you have regular family meetings where such a scenario is discussed and all the relevant information is shared, such as what is the password of the cloud account that stores the soft copies of your rental agreement.
To handle a natural disaster effectively, the most integral step you can take is to prepare your finances before unexpected costs put you in a bind. Perform home remodeling to fortify your home and repair areas that are in danger during a natural disaster.
If you are a football fan, you know that the best defense is a good offense. If you end up in a bad financial situation, you will need to somehow get out of debt without paying or find the best way to consolidate your debt.
Lastly, study your insurance policies and find whether you have the required coverage and develop an emergency document kit that rescues you in the time of crisis.
Will Safe Path Advisors Add To Your Financial Stress?
Will Safe Path Advisors’ Debt Offer Add To Your Financial Stress?
“Safe Path Advisors is the newest bait and switch trap brought to you by none other than the same devil that brought you Silvertail Associates…”
Avoid Financial Stress
According to a recent survey conducted by the American Psychological Association (APA), 60% of Americans admitted that worrying about finances is the biggest source of stress in their daily lives. The study found that the cost of health care was the top cause of this financial stress.
Arguably, money is the biggest reason why most Americans feel stressed out. Be it accommodation, health, education, career, all of these aspects of life are closely tied to money.
Another survey found that as many as 68% of American respondents stress over their financial situations. The most common cause of stress, found by this study, was debt. Almost 71% of the survey participants said that debt was a significant contributor to their stress.
Although financial stress is a very serious problem, there are ways to deal with it. If you’ve been struggling with managing your stress due to finances, we’re here to help you out.
By incorporating a few positive changes and tips in your life, you can manage your finances in a way that doesn’t stress you out. Check out the following tips to reduce financial stress.
1. Stick to a budget
It may sound obvious at first, but sticking to a budget can be challenging. However, that’s the only way you can manage your financial health. If you make a budget that covers all your costs and saves you some amount for your emergency fund, you’ll slowly start feeling relieved.
Sticking to a budget requires discipline. You’ll have to prioritize your essential expenses over others. Staying away from luxuries and non-essential expenses will keep you away from unnecessary stress.
Creating a budget can be as simple as laying out your expenses on a spreadsheet. You can also use budgeting apps and software to keep you on track with your goals.
Creating an emergency fund is also essential. However, you’ll need to pay off your debt faster to spare any money for savings.
Sticking to a budget sounds simple enough, but it’s harder to actually do it. Unexpected expenses set you back the most such as medical bills, childcare, loss of income, etc. That’s why having some extra money to tap into will relieve you of the immense financial stress.
2. Forgive your past mistakes
Avoidance coping is a coping mechanism adopted by most people who deal with stress. They start avoiding the problems so that they don’t have to deal with them. It’s a very critical problem because it prevents you from pursuing your goals. It leads to procrastination and agitation, which causes you to fall into further financial distress.
When it comes to financial stress, the reason may not always just be money. Sometimes, your past actions and mistakes make you feel guilty and keep you from progressing. Whenever you feel that way, you must remind yourself that you’re not alone in this. Millions of people deal with stress over financial problems.
In order to get better, you first need to deal with all the past mistakes that are holding you back. You need to forgive yourself for whatever happened in the past. That’s the only way to secure a better future. You can take ownership of your actions now and make better decisions to avoid future debt relief emergencies.
Several studies have revealed that people who successfully manage their stress have compassion for themselves. It’s about time you take it easy on yourself and start taking small steps to reach your big goals.
3. Seek assistance
When something starts holding you back, it’s always a good idea to ask for help. You don’t need to go through the financial stress all on your own. There are several organizations that offer free financial counseling.
National Foundation for Credit Counseling is one such non-profit organization that can help you figure out your financial troubles. They have experienced financial counselors and advocates who can closely assist you in dealing with debt such as credit cards, mortgage, student loans, etc.
Apart from finances, you should also consider seeking emotional support. Talk to your friends and family. Emotional support makes a lot of difference in dealing with financial stress. Find your safe space and let it push you through tough times.
4. Manage your debt
If eliminating debt seems far-fetched, then there are several methods to manage your debt. Debt consolidation is one such excellent method. If you have credit card debt or any other bills, it becomes difficult to keep track of all your debts and their associated terms. Consolidating debt simplifies the process for you.
Taking out a personal loan to consolidate your debt is what we would recommend the most. It usually has lower interest rates and fixed terms, which saves you from the uncertainty that comes with other loans. With a personal loan, you’ll know the exact amount that you have to pay each month and for how long. This reduces the anxiety of figuring out debt.
Debt consolidation with personal loans offers predictability and a sense of certainty, which can help you with financial stress. Moreover, you even have a chance of paying off your debt quicker.
5. Take it easy
Your life doesn’t have to revolve around money and debt all the time. Using relaxation techniques can help you lower your financial stress, and many of them don’t require any money.
Whenever you feel that you’re getting stressed, close your eyes, and do deep breathing exercises for a few minutes. Something as simple as that can help keep your blood pressure and stress in control. Keeping a warm towel around your neck is another technique of decompressing.
Activities like a walk in the park and spending time with your loved ones can go a long way in keeping you healthy and stress-free.
Money affects our lives, both financially and psychologically. Although it’s important to maintain a stable financial position, your health must be your top priority. By incorporating the tips discussed above, you can successfully deal with financial stress.
How To Make Your Own Disinfectant For Protection From COVID-19
With the entry of coronavirus in our lives, nobody is short of being a clean freak. Excessive cleaning, sanitizing, and using disinfectant has become commonplace words. It has become essential to disinfect spaces in our homes like bathrooms and kitchens multiple times in a day. Panic buying episodes have left shelves empty of commercial disinfectants in the market.
If you’re facing a similar situation or just want to experiment with making your own disinfectant, we are here to take you through the process. It’s possible to DIY a disinfectant and use it as hand sanitizer, wipes, or spray. Here’s how to make your own disinfectant for protection from COVID-19.
Things you’ll need
When planning to make your own disinfectant, it’s essential to follow the recommendations published by the US Centers for Disease Control and Prevention (CDC). For instance, you must use EPA-registered disinfectant ingredients that have proved effective against the virus. Few of them are given as follows:
- Hydrogen peroxide: As per the CDC, hydrogen peroxide has proven effective against several types of microorganisms, including viruses, bacteria, fungi, yeasts, and spores. 3% content of hydrogen peroxide in a solution will kill the microorganisms, including viruses, after exposure of at least six to eight minutes.
- Isopropyl alcohol: It is popularly known as rubbing alcohol. It is the most effective when exposed to an infected surface for 30 seconds at the least. It is water-soluble alcohol, so it can easily be diluted. However, the concentration of alcohol needs to be 70% to disinfect against viruses. Make sure you do a spot test before using the solution on surfaces because isopropyl has discoloring properties.
- Bleach: Bleach has proven effective against several viruses and bacteria when it is properly diluted. According to instructions published by CDC, the appropriate dilution concentration is 4 teaspoons of bleach per each quart of water. Make sure you leave the solution sit for ten minutes on the surface before wiping it away. Be cautious not to use bleach with anything other than water. It can form hazardous compounds when mixed with chemicals like rubbing alcohol, ammonia, or any acidic compounds.
How to DIY your own disinfecting products?
1. Hand sanitizer
Washing hands with soap and water or handwash and water are the ideal method to keep your hands virus-free. However, you don’t always have access to a sink. In that case, hand sanitizer is your next best bet to keep COVID-19 at bay. When you’re making your own hand sanitizer, it’s crucial to keep your ratios precise. Otherwise, the solution wouldn’t be effective against viruses.
We spoke to experts in the chemical field and bring you an effective recipe to make hand sanitizer. It is as follows:
To begin, you’ll need isopropyl alcohol. It’s easily available at Walmart, but if you don’t want to go shopping, you can order it online on Amazon. Make sure you get the alcohol with at least 90% concentration for making an effective hand sanitizer.
To make the sanitizer, you need to have aloe vera gel. If you don’t have it at home, then you can make your own from aloe vera leaves. Follow the steps given below:
- Scrape out natural aloe vera gel from the leaves of an aloe vera plant.
- Cut the leaf’s sides and eliminate the top layer of skin.
- Scrape the gel out of the leaves using a spoon.
- Take out your high-speed blender, and blend your scraped-out aloe gel for two to three minutes.
- Then, filter out the blended gel using a strainer and eliminate the debris left by leaves.
How to make the sanitizer: It’s a fairly simple process, once you have the ingredients. You just have to take one-part aloe vera gel and mix it with three parts of alcohol. Aloe vera will make sure your skin doesn’t dry out from using the sanitizer. For a nice and refreshing scent, try adding a few drops of any essential oil.
Take an empty and clean container to transfer your hand sanitizer in, so you can carry it around easily. If you notice any sedimentation in your sanitizer inside the container, make sure you shake it before use.
2. Disposable wipes
If you’re worried about running out of disinfectant wipes, or your local store has a shortage of the product, then you can make your own disinfecting Clorox wipes very easily. You’ll have to follow the method given below:
- Take a roll of paper towels and cut it horizontally from the middle. The cut pieces should look like two rolls similar to toilet paper.
- Put 2 tablespoons of bleach in 2 cups of water and mix the solution.
- Place one of the rolls flattened into an air-tight container. Pour the mixed solution on the top.
- Make sure that the paper towels are completely saturated, and the container is big enough to keep all the liquid in.
- Take out the center cardboard roll, and fresh paper towels will be ready to be pulled out from the middle.
3. Reusable wipes
Instead of using hardly available disposable disinfectant wipes, if you want something which is reusable but just as effective, then reusable wipes are the way to go. They are also not complicated to make on your own. Follow the steps given below:
- Take an old t-shirt or any other cotton fabric and cut it into squares of the size of regular wipes.
- Either use a bleach solution or make a mixture of 2/3 cup of isopropyl alcohol with 99% concentration and 1/3 cup of water.
- Soak the square-shaped pieces into your preferred solution.
- Place your used wipes sealed in a container until you wash them. Make sure you wash them in a hot setting.
- Use the washed wipes again by re-soaking them in the solution.
Although you might be worried about using harsh chemicals for disinfection in your home, but that’s the only legitimate way to kill the deadly virus. You may have heard that natural ingredients like vinegar, tea tree, and essential oils are natural disinfectants.
However, they haven’t proved effective against COVID-19. Therefore, you must not rely on them for your safety.
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