7 Home Remedies to Get Straight Hair Naturally.

{For those of us blessed with {curly or wavy|wavy or curly} hair, we constantly wonder how to get silky straight hair. It’s adaptable, it’s manageable and lends itself to various different hairstyles. Why wouldn’t we want it? The problem is, without subjecting our hair to heavy chemical treatments, running to the salon for a blow-dry or straightening it with an iron every day, we can’t achieve this. Even worse, most of these remedies are temporary and can cause long term damage to your hair.|For those of us blessed with {curly or wavy|wavy or curly} hair, we constantly wonder how to get silky straight hair. Even worse, most of these remedies are temporary and can cause long term damage to your hair.}

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{There is hope though.|There is hope.} Natural hair straightening does exist. These 7 home remedies for straight hair show you how to get straight hair naturally, and avoid damaging it in the process.

7 Home Remedies to Straighten Hair Naturally:
{1. Egg and Olive Oil: Egg and olive oil work wonders to nourish your hair and make it strong. {But did you also know that they can straighten your hair?|Did you also know that they can straighten your hair?} For this home remedy all you need is|Egg and Olive Oil: Egg and olive oil work wonders to nourish your hair and make it strong. Did you also know that they can straighten your hair?} Find more on izunami titanium flat iron.

2 eggs and 1 part olive oil.
Mix them together thoroughly and apply it on your scalp.
Wash this off in an hour.
{2. Milk, Honey and Strawberries: Sounds delicious doesn’t it? {However, milk has proven to be an excellent natural straightener.|Milk has proven to be an excellent natural straightener.} Rich in protein, milk smoothes out your hair and fortifies the hair shaft.|Milk has proven to be an excellent natural straightener. Rich in protein, milk smoothes out your hair and fortifies the hair shaft.}
For this treatment,

Mix milk with two tablespoons of honey
{Then add fresh, crushed strawberries.|Add fresh, crushed strawberries.}
Apply this on your hair and wrap a towel around it.
After 2-3 hours, wash it off.
3. Aloe Vera: Aloe vera is choc-a-bloc with enzymes that promote hair growth and keep your hair {soft and smooth|smooth and soft}. It also penetrates the hair, moisturising it thoroughly, reducing the chance of frizz or curls.
Steps for this treatment:

Mix half a cup of warm oil and half a cup of aloe vera.
Apply this pack to your hair
Wash it out after 30-40 minutes!
DAILY MOISTURE REPAIR SHAMPOO
Pantene Daily Moisture Repair Shampoo
Keep hair looking {healthy and shiny|shiny and healthy}

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4. Castor Oil: Amongst its other benefits like treating skin infections, stomach problems and constipation, castor oil works wonders for straightening your hair.
For this remedy,

Warm the oil and massage it into your hair.
Wrap a warm, damp towel around it and keep it on for 30 minutes.
{Then wash your hair with a gentle shampoo like Pantene.|Wash your hair with a gentle shampoo like Pantene.}
5. Vinegar: One of the more popular remedies – vinegar is well known for adding sleekness and shine to your hair. After you’ve rinsed out the conditioner from your hair, add some drops of vinegar into a mug of cold water and rinse out your hair one last time with it.

{6. Lemon Juice and Coconut Milk: When people ask how to straighten hair naturally? – the answer is lemon juice. It is a natural straightener. Additionally, if you mix it with coconut milk, it gets the benefit of the creamy milk, which acts as a conditioner. Apply this mixture on the strands of your hair and then wash it out with lukewarm water.|Lemon Juice and Coconut Milk: When people ask how to straighten hair naturally? Additionally, if you mix it with coconut milk, it gets the benefit of the creamy milk, which acts as a conditioner. Apply this mixture on the strands of your hair and then wash it out with lukewarm water.}

7. Banana, Curd, Honey and Olive Oil: This hair mask is power packed with natural conditioners like curd and olive oil.
Steps involved:

Take two overripe bananas and 2 tablespoons of honey, olive oil and curd and mash them into a fine paste.
Coat your hair with this mask and protect it with a shower cap.
Leave this on for 1/2 an hour and then wash it off.
It is important to note that these remedies should be used twice or thrice a week, and not on a daily basis. Are you still wondering how to get straight hair naturally now? As a final note, we ‘d like to remind you that each remedy needs to be given time for any effect to be seen, but the result, is well worth the wait!
For those of us blessed with {curly or wavy|wavy or curly} hair, we constantly wonder how to get silky straight hair. These 7 home remedies for straight hair show you how to get straight hair naturally, and avoid damaging it in the process.

Rich in protein, milk smoothes out your hair and fortifies the hair shaft.
Aloe Vera: Aloe vera is choc-a-bloc with enzymes that promote hair growth and keep your hair {soft and smooth|smooth and soft}. After you’ve rinsed out the conditioner from your hair, add some drops of vinegar into a mug of cold water and rinse out your hair one last time with it.

Steps to Help You Hire the Right Contractor

{Building your dream home is one of the most exciting things you’ll ever do, but all that excitement comes with a lot of responsibility. Hiring the best general contractor for you and your project is an extremely important decision. That choice will determine the quality of craftsmanship and will minimize emotional stress and unexpected costs. Bringing in the right contractor early in the design process is one of the most important ingredients in staying on budget and on schedule during construction.|Hiring the best general contractor for you and your project is an extremely important decision. Bringing in the right contractor early in the design process is one of the most important ingredients in staying on budget and on schedule during construction.}

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Here are five simple steps to help you hire the right contractor for your project.

{1. Get referrals. Talk with people you know and trust. Your architect is an obvious source, but talk with family, friends, neighbors, lawyers, real estate agents and others who have built projects similar to yours.|Talk with people you know and trust. Your architect is an obvious source, but talk with family, friends, neighbors, lawyers, real estate agents and others who have built projects similar to yours.}

Browse professional listings to find general contractors in your area. Check out their reviews and browse photos in their portfolios to see how their work lines up with the scope of your project. You can even message them to get a conversation going. For more information visit Company website.

Are there recently completed or under-construction projects in your area? Ask the owners about their contractor and the working relationship they have with him or her.

{2. Verify licenses. Make sure your contractor candidates are licensed and in good standing with your state license board. Ask to see the contractor’s pocket license, picture I.D. and certificate of insurance.|Make sure your contractor candidates are licensed and in good standing with your state license board. Ask to see the contractor’s pocket license, picture I.D. and certificate of insurance.}

Proper licensing demonstrates a company’s best practices management, but hiring a licensed contractor will also protect you. {For example, worker’s compensation insurance is a contractor’s responsibility, not a property owner’s, but that’s not the case if a contractor is not licensed or does not carry proper insurance.|Worker’s compensation insurance is a contractor’s responsibility, not a property owner’s, but that’s not the case if a contractor is not licensed or does not carry proper insurance.}

In California anyone who contracts to perform work on a project valued at $500 or more, including labor and materials, must hold a current, valid license from the Contractors State License Board. Check out the National Association of State Contractors Licensing Agencies to find information about contractors’ licenses in your state.

{3. View recent work. After looking at a contractor’s portfolio, request to visit a few projects similar in size and style to yours. Try to check out one that was recently completed, one that’s under construction and one completed five to 10 years ago. Ask yourself:|After looking at a contractor’s portfolio, request to visit a few projects similar in size and style to yours. Try to check out one that was recently completed, one that’s under construction and one completed five to 10 years ago.}

5. Understand the contract. Decide on the contractor you wish to hire and while your plans are in the permit-review process, discuss the different kinds of contracts available and ask for one to review.
{Ask for updates to the construction bid if plans change for any reason.|If plans change for any reason, ask for updates to the construction bid.}
Do not sign the contract until your permits have been approved and all costs have been finalized.
{Be aware that there are always unknowns in the construction process that create change orders and additional costs. This is normal. Expect it. Allow 5 to 8 percent of your total budget for these extras. With good planning, design and management, they can be minimized.|Be aware that there are always unknowns in the construction process that create change orders and additional costs. With good planning, design and management, they can be minimized.}
There are far more reputable, {honest and hardworking|hardworking and honest} contractors than there are the slapdash, fly-by-night operations we read about in the news. With proper planning and research, you will find the perfect contractor for your project. Invest the time and remember that spending a few extra dollars in the beginning could save you thousands of dollars in the end.
Hiring the best general contractor for you and your project is an extremely important decision. Bringing in the right contractor early in the design process is one of the most important ingredients in staying on budget and on schedule during construction.

After looking at a contractor’s portfolio, request to visit a few projects similar in size and style to yours. Decide on the contractor you wish to hire and while your plans are in the permit-review process, discuss the different kinds of contracts available and ask for one to review.
With proper planning and research, you will find the perfect contractor for your project.

Body Hacks to Naturally Increase Testosterone

Testosterone, a hormone produced primarily by the testicles, is often associated with the epitome of “manhood” (although women have testosterone, too).

Indeed, it does play a large role in male sexuality and reproduction, impacting such factors as sexual and reproductive function, muscle mass, and hair growth, but also has some less “flashy,” albeit equally important, roles like maintaining bone density, levels of red blood cells and a sense of well-being.

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Beginning around age 30, a man’s testosterone levels begin to decline, and continue to do so as he ages.

A wide range of chemical exposures included prescribed drugs like statins, adversely impact testosterone production in men. At the same time, estrogen levels typically increase due to widespread exposures to estrogen-mimicking compounds in food, water and environmental pollutants. Get the best testosterone boosters.

What are Your Options for Replacement?

If you’re a man who’s experiencing symptoms such as decreased sex drive, erectile dysfunction, depressed mood, and difficulties with concentration and memory, and you think low testosterone may be to blame, you can have your levels tested. Since testosterone levels fluctuate throughout the day, you’ll probably need more than a blood test to get a true picture of your levels.

If your levels are indeed low, there are a number of synthetic and bioidentical testosterone products on the market, as well as DHEA, which is the most abundant androgen precursor prohormone in the human body, meaning that it is the largest raw material your body uses to produce other vital hormones, including testosterone in men and estrogen in women.

I only recommend using bioidentical hormones, and only then under the guidance of a holistic doctor who can monitor your hormone levels to ensure you need supplementation.

But, before you opt for this route, there are numerous strategies you can try to boost your testosterone levels naturally. These are appropriate for virtually anyone, as they carry only beneficial “side effects.”

Ways to Naturally Increase Testosterone Levels

1. Lose Weight

If you’re overweight, shedding the excess pounds may increase your testosterone levels, according to research presented at the Endocrine Society’s 2012 meeting. Overweight men are more likely to have low testosterone levels to begin with, so this is an important trick to increase your body’s testosterone production when you need it most.

If you are serious about losing weight, you have got to strictly limit the amount of processed sugar in your diet, as evidence is mounting that excess sugar, and fructose in particular, is the primary driving factor in the obesity epidemic. So cutting soda from your diet is essential, as is limiting fructose found in processed foods, fruit juice, excessive fruit and so-called “healthy” sweeteners like agave.

Ideally you should keep your total fructose consumption below 25 grams per day and this includes fruits. This is especially true if you have insulin resistance and are overweight, have high blood pressure, diabetes or high cholesterol.

In addition to eliminating or severely limiting fructose, it will be vital to eliminate all grains and milk (even raw) in your diet. Milk has a sugar called lactose, which has been shown to increase insulin resistance so it will be wise to avoid it if you are seeking to lose weight.

Refined carbohydrates like breakfast cereals, bagels, waffles, pretzels, and most other processed foods also quickly break down to sugar, increase your insulin levels, and cause insulin resistance, which is the number one underlying factor of nearly every chronic disease and condition known to man, including weight gain.

As you cut these dietary troublemakers from your meals, you need to replace them with healthy substitutes like vegetables and healthy fats (including natural saturated fats!). Your body prefers the carbohydrates in micronutrient-dense vegetables rather than grains and sugars because it slows the conversion to simple sugars like glucose, and decreases your insulin level. When you cut grains and sugar from your meals, you typically will need to radically increase the amount of vegetables you eat, as well as make sure you are also consuming protein and healthy fats regularly.

I’ve detailed a step-by-step guide to this type of healthy eating program in my comprehensive nutrition plan, and I urge you to consult this guide if you are trying to lose weight.

The foods you choose to eat will be the driving force behind successfully achieving your weight loss goals — high-intensity, short-burst-type exercises, such as my Peak Fitness Program, two to three times per week, combined with a comprehensive fitness plan, is important too, and has an additional benefit as well (see below)!

How to Become a Better Leader

How would you describe a strong leader? In one study, leadership qualities such as assertiveness, {adaptability, intelligence and conscientiousness|adaptability, conscientiousness and intelligence|intelligence, adaptability and conscientiousness|intelligence, conscientiousness and adaptability|conscientiousness, adaptability and intelligence|conscientiousness, intelligence and adaptability} were cited as the most important.

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” Research clearly shows that transformational leaders – leaders who are positive, inspiring, and who empower and develop followers – are better leaders,” explains psychologist and leadership expert Ronald E. Riggio. “They are more valued by followers and have higher performing teams.”

{So what can you do embrace these valued leadership qualities and become a stronger and more effective leader?|What can you do embrace these valued leadership qualities and become a stronger and more effective leader?} Transformational leaders are usually described as enthusiastic, passionate, {genuine and energetic|energetic and genuine}. These leaders are not just concerned about helping the group achieve its goals; they also care about helping each member of the group reach his or her full potential. Get the best Leadership training denver.

Consider some of the following tips for how to become a better leader and think about ways that you can implement these strategies in your daily life.

1 Start By Understanding Your Leadership Style

{Understanding your current leadership style is essential. What are your strengths? Which areas need some improvement? One way to start assessing your skills is to take this leadership style quiz to get a general idea of how you lead.|Understanding your current leadership style is essential. One way to start assessing your skills is to take this leadership style quiz to get a general idea of how you lead.}

{Once you have completed the quiz, read about the major characteristics of your dominant style.|Read about the major characteristics of your dominant style once you have completed the quiz.} Are these qualities helping or hindering your leadership? {Once you’ve determined which areas need some work, you can begin looking for ways to improve your leadership abilities.|You can begin looking for ways to improve your leadership abilities once you’ve determined which areas need some work.}

Intellectual stimulation is one of the leadership qualities that defines transformational leadership. Followers need to be encouraged to express their creativity. Effective leaders should offer new challenges with ample support to achieve these goals.

One way to foster creativity is to offer challenges to group members, making sure that the goals are within the grasp of their abilities. The purpose of this type of exercise is to get people to stretch their limits, but to not become discouraged by barriers to success.
3 Serve As a Role Model

{Idealized influence is another of the four key components of transformational leadership. Transformational leaders exemplify the behaviors and characteristics that they encourage in their followers. They walk the walk and talk the talk. As a result, group members admire these leaders and work to emulate these behaviors.|Transformational leaders exemplify the behaviors and characteristics that they encourage in their followers. As a result, group members admire these leaders and work to emulate these behaviors.}

{If you want to become a better leader, work on modeling the qualities that you would like to see in your team members.|Work on modeling the qualities that you would like to see in your team members if you want to become a better leader.}
4 Be Passionate

Would you look to someone for guidance and leadership if they did not truly care about the goals of the group? Of course not! Great leaders are not just focused on getting group members to finish tasks; they have a genuine passion and enthusiasm for the projects they work on.

You can develop this leadership quality by thinking of different ways that you can express your zeal. Let people know that you care about their progress. When one person shares something with the rest of the group, be sure to tell them how much you appreciate such contributions.
What can you do embrace these valued leadership qualities and become a stronger and more effective leader? These leaders are not just concerned about helping the group achieve its goals; they also care about helping each member of the group reach his or her full potential.

Are these qualities helping or hindering your leadership? Intellectual stimulation is one of the leadership qualities that defines transformational leadership. You can develop this leadership quality by thinking of different ways that you can express your zeal.

how to plan the best trip

Get a Travels Rewards Credit Card

While you’re working to save money, get a travel credit card so you can earn sign-up bonuses to redeem miles and points for free flights and hotel stays. {Most cards have bonuses of up to 50,000 points when you meet their minimum spending requirement (often $1,000 within a three-month period).|When you meet their minimum spending requirement (often $1,000 within a three-month period), most cards have bonuses of up to 50,000 points.} That’s a lot of miles– enough for a free flight almost anywhere in the world.

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{{If you want a free flight, use the cards that help with that.|Use the cards that help with that if you want a free flight.} {If you want free hotel rooms, get a hotel card.|Get a hotel card if you want free hotel rooms.} You don’t need to sign up for very many cards; pick one or two and focus on those. Do this the moment you decide you want to travel. Don’t wait– waiting equals lost miles, which means less free travel.|If you want a free flight, use the cards that help with that. If you want free hotel rooms, get a hotel card.}

I am always doing this so I can travel for as cheap as possible. This post will give you more information as well as a list of the latest deals

Switch to No-Fee ATM Cards

{Don’t give banks any of your hard-earned money. Save every extra dollar you can by using a no-fee ATM card. I use Charles Schwab, but there are lots of other banks (don’t forget to check your local banks) that don’t charge ATM fees. Additionally, you can join a bank in the Global ATM Alliance.|Save every extra dollar you can by using a no-fee ATM card. I use Charles Schwab, but there are lots of other banks (don’t forget to check your local banks) that don’t charge ATM fees.} Get the best tour ke korea.

Check for Last-Minute Deals

{Okay, you’re inspired, prepared, and on your way to saving money for your trip. {But before you go buy that flight or book that hotel, check for deals you might have missed.|Before you go buy that flight or book that hotel, check for deals you might have missed.} You may dream of Paris but maybe there are great deals to Berlin right now. Maybe you can get a seven-day cruise for 70% off, a package deal to Hawaii for the price of your flight to Paris, or 50% off sailing trips around Greece.|Before you go buy that flight or book that hotel, check for deals you might have missed. Maybe you can get a seven-day cruise for 70% off, a package deal to Hawaii for the price of your flight to Paris, or 50% off sailing trips around Greece.}

It’s a big world, and there are lots of places I want to see, so if I end up choosing B over A, I’m happy! {If you’re flexible too, make sure you look for any money-saving deals.|Make sure you look for any money-saving deals if you’re flexible too.}

Book Your Flight

After you’ve used your travel credit card and received your sign-up bonus, use your miles to book your flight. It is harder to use miles these days due to less availability, so make sure to book early to insure you get your desired flight.

There are still many ways to avoid being the person on the flight who paid the most. For more tips that can reduce ticket prices even more, read this blog post.

ook Your Accommodation

f you have a set schedule, feel free to book accommodation for the duration of your trip, but if you are going to be traveling long-term, book just the first few days. {Once you know the dates you’ll be in your destination, there is no real reason not to find a place to stay.|There is no real reason not to find a place to stay once you know the dates you’ll be in your destination.} My view is that waiting will just lead to you losing your top picks.

{Love hotels? They won’t save you money, but you can sign up for some hotel credit cards and get free rooms, too. Marriott has a great rewards card whose sign-up bonus is equal to one week’s free stay. Starwood’s AMEX card is wonderful too, but the spending threshold in order to get the points bonus is higher.|They won’t save you money, but you can sign up for some hotel credit cards and get free rooms, too. Starwood’s AMEX card is wonderful too, but the spending threshold in order to get the points bonus is higher.}
While you’re working to save money, get a travel credit card so you can earn sign-up bonuses to redeem miles and points for free flights and hotel stays. If you want a free flight, use the cards that help with that. If you want free hotel rooms, get a hotel card. They won’t save you money, but you can sign up for some hotel credit cards and get free rooms, too. Starwood’s AMEX card is wonderful too, but the spending threshold in order to get the points bonus is higher.

5 Tips to Hiring the Best Lawyer

{Sometimes life isn’t always {flowers and roses|roses and flowers}, sometimes you get in a situation and you need to hire someone to help yourself get out of it; you need a lawyer. Hiring a lawyer might seem like a simple process, on TV they always say, “you’ll be hearing from my lawyer,” but does everyone just “have” a lawyer? Where do they get one and how do you find a good one, or one that can be an expert on the kind of help you need. Here are some tips to ensure you get the lawyer, and help you need.|Sometimes life isn’t always {flowers and roses|roses and flowers}, sometimes you get in a situation and you need to hire someone to help yourself get out of it; you need a lawyer. Hiring a lawyer might seem like a simple process, on TV they always say, “you’ll be hearing from my lawyer,” but does everyone just “have” a lawyer?}

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{The very first thing you want to do is ask your inner circle. Starts by asking relatives, friends, coworkers, and even neighbors, who they have used or if they know of a good lawyer. {When you need to hire a lawyer you will be giving them private and even potentially harmful information about yourself, you want to make sure this is someone you can trust.|You want to make sure this is someone you can trust when you need to hire a lawyer you will be giving them private and even potentially harmful information about yourself.} Your inner circle are the people you typically trust the most, so why not see who they are trusting for legal help?|Starts by asking relatives, friends, coworkers, and even neighbors, who they have used or if they know of a good lawyer. When you need to hire a lawyer you will be giving them private and even potentially harmful information about yourself, you want to make sure this is someone you can trust.} Get in touch with Lawyer service Geelong

{Another great way to find a lawyer is to hit up Google. Start doing some research, in this digital world we live in, everything will be online. You can look through reviews, see complaints, even see a physical picture of the potential lawyer you want to hire. The internet will give you a decent sense on who the person is and if they are someone you could see yourself trusting for legal help. Keep in mind, not everything you see on the internet is true!|Another great way to find a lawyer is to hit up Google. You can look through reviews, see complaints, even see a physical picture of the potential lawyer you want to hire.}

Once you’ve asked your friends and family, done some research on the internet, now it’s time to make some phone calls. Instead of calling potential lawyers first, call the bar association for the region in which these lawyers are located. {Although the bar association won’t give you a lot of information, they can tell you whether or not this person has ever been disbarred and the status of their license to practice.|The bar association won’t give you a lot of information, they can tell you whether or not this person has ever been disbarred and the status of their license to practice.}

{Now you’re at the point where you are ready to set up some interviews with potential lawyers you want to hire; ask questions! When you meet with each candidate you want to make sure you ask enough questions and that you understand how to relationship works. Ask questions about: their past cases, their track record, how they charge for their services, how will you stay in the loop about your case, etc. Try to gather as much information in that first meeting as possible. Make sure you understand that they are working for you!|Now you’re at the point where you are ready to set up some interviews with potential lawyers you want to hire; ask questions! When you meet with each candidate you want to make sure you ask enough questions and that you understand how to relationship works.}

{After gathering all this information and research, sit down and evaluate. Think about what you’re in need of, how much are you willing to spend, and listen to your gut. At the end of the day you are the one who is hiring a lawyer to work for you, and your gut feeling about this person matters. When you met with them did you feel a sense of trust? Would you feel comfortable giving this person private information and paying them very well to have that information? Look out for yourself and find the DUI lawyer in Colorado Springs who you believe has your best interest in mind.|Think about what you’re in need of, how much are you willing to spend, and listen to your gut. At the end of the day you are the one who is hiring a lawyer to work for you, and your gut feeling about this person matters. Look out for yourself and find the DUI lawyer in Colorado Springs who you believe has your best interest in mind.}
Sometimes life isn’t always {flowers and roses|roses and flowers}, sometimes you get in a situation and you need to hire someone to help yourself get out of it; you need a lawyer. Hiring a lawyer might seem like a simple process, on TV they always say, “you’ll be hearing from my lawyer,” but does everyone just “have” a lawyer? Here are some tips to ensure you get the lawyer, and help you need.

When you need to hire a lawyer you will be giving them private and even potentially harmful information about yourself, you want to make sure this is someone you can trust. Instead of calling potential lawyers first, call the bar association for the region in which these lawyers are located.

8 Ways to Make Bill-Paying Easier

{My friend Mike is well-off. He lives alone, makes a good salary, invests wisely, and doesn’t spend money on foolish endeavors. {Yet he often gets charged late fees.|He often gets charged late fees.} Why? Because he’s disorganized. He brings his bills home, throws them on the table, and they get lost under a mass of paper during the weeks that follow. When he remembers his bills, he pays the late fees, and sends extra money to cover the next few months. He knows he’ll forget again.|He often gets charged late fees. He brings his bills home, throws them on the table, and they get lost under a mass of paper during the weeks that follow. When he remembers his bills, he pays the late fees, and sends extra money to cover the next few months.}

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Here are some tips to make bill-paying easier:

Process mail right away. Don’t even set it down. Open each piece of mail and process it: recycle the junk mail, shred the credit card offers, make a stack of magazines, and pay the bills.

{{If you can’t process mail right away, have a designated place for bills.|Have a designated place for bills if you can’t process mail right away.} Use it. I tuck mine in a cubbyhole at my computer desk. Sometimes I forget to put a bill in the cubbyhole. This is Bad News. {If it’s not in the cubbyhole, a bill is lost.|A bill is lost if it’s not in the cubbyhole.} {Then, like my friend Mike, I get a late fee.|Like my friend Mike, I get a late fee.} Don’t be like Mike.|If you can’t process mail right away, have a designated place for bills. Sometimes I forget to put a bill in the cubbyhole. If it’s not in the cubbyhole, a bill is lost.} Find the best bill pay option.

Pay your bills as they arrive. It’s unrealistic to expect people to pay bills the moment they walk in the door. {But it’s certainly possible to pay a bill on the day it arrives, or soon after.|It’s certainly possible to pay a bill on the day it arrives, or soon after.}

At a minimum, process your finances once each week. Designate a time– Sunday night before bed, maybe– to balance your checkbook, to check your bank statements, and to pay your bills.

{Prepay your bills. Pay for two or three months instead of one. {My friend Mike does this because he’s forgetful.|Because he’s forgetful, my friend Mike does this.} I do this at the end of every year: I get a large Christmas bonus, so I pay for three months on each bill.|Prepay your bills. I do this at the end of every year: I get a large Christmas bonus, so I pay for three months on each bill.}

Pay your bills online. Nearly every major utility and bank now offers the ability to pay your bills via the web. Some even offer small discounts for using this service!

{Reduce the number of bills your receive. Cancel {services and subscriptions|subscriptions and services} you no longer use or value. Set up automatic payments. Consolidate services where possible.|Reduce the number of bills your receive. Cancel {services and subscriptions|subscriptions and services} you no longer use or value.}

Save money by asking for a lower rate. Again and again, people have told me how they’ve been able to save simply by {calling and asking|asking and calling} for a better deal.
Paying your bills doesn’t have to be a chore. {When I pay my bills as they arrive, it’s actually kind of fun.|It’s actually kind of fun when I pay my bills as they arrive.} {And the best feeling of all comes when I pay off a debt and know that I’ll never see that bill ever again.|When I pay off a debt and know that I’ll never see that bill ever again, and the best feeling of all comes.}

GRS is committed to helping our readers save and achieve their financial goals. Savings interest rates may be low, but that is all the more reason to shop for the best rate. Find the highest savings interest rates and CD rates from Synchrony Bank, Ally Bank, and more.
When he remembers his bills, he pays the late fees, and sends extra money to cover the next few months. Open each piece of mail and process it: recycle the junk mail, shred the credit card offers, make a stack of magazines, and pay the bills.

I do this at the end of every year: I get a large Christmas bonus, so I pay for three months on each bill.

Nearly every major utility and bank now offers the ability to pay your bills via the web. And the best feeling of all comes when I pay off a debt and know that I’ll never see that bill ever again.

Buying the best snow sweaters

WATERPROOF

Insulated or not, outerwear designed for snowboarding should boast at least some level of water-resistance to protect the rider from the rainy or snowy conditions found on a mountainside. Simply put, the more extreme the weather, the more waterproof your gear should be.

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In most cases, manufacturers coat fabrics such as nylon and polyester with porous membranes, each with a certain amount of waterproofness. (Unlike these fabrics, Gore-Tex doesn’t require supplemental coating, as it is already designed to be impermeable.) The companies then assess ratings to the apparel in order to give the consumer an idea of how much protection they can expect. Find the best snowboarding jackets.

These ratings are usually in millimeters, denoting the number of millimeters of rain the garment can withstand over the course of 24 hours. Therefore, a jacket with a waterproof rating of 20,000mm will be more waterproof than one with a rating of 10,000mm. Of course, the chances that you’ll encounter 10,000mm of rain in a day (that’s nearly 33 feet) are pretty low, but factors such as the force of the rain can detract from your outerwear’s ability to keep you dry.

To ensure that there aren’t even the slightest holes made by stitching the fabric together, manufacturers usually seal the seams of the garments to prevent any moisture from creeping in. The definition of critically taped seams varies from manufacturer to manufacturer, but it typically refers to the most exposed areas of the garment: the shoulders, arms and side seams on jackets and the rear-end and outer seams on pants. Critically taped seams are good enough under most conditions, though fully taped seams will offer the highest amount of protection to the wearer under the foulest conditions.

If you’re looking for a springtime jacket/pant, or just something to rock on the clear days, you can opt for a garment with a water-repellant or water-resistant rating. These fabrics are coated with a membrane that combats the rain, but won’t offer as much protection as waterproof outerwear. The trade-off is in breathability – waterproof materials usually aren’t as breathable as water-repellant or resistant fabrics.

Over time, it is likely that any apparel, despite its original waterproofing, will succumb to the dirt, oil, sweat, wear and tear that comes with our fine sport. When the fabric becomes easily permeable by water, it’s time to get some new gear.

BREATHABLE

Breathability ratings are often coupled with waterproofing ratings to give you an idea of the protection and comfort possible in the face of heavy weather. A garment’s breathability is usually noted in grams (ie. 10,000g), which is a little simplified. In fact, the unit is g/24hrs/m² – the number of grams of water vapor that can pass through a square meter of the fabric over the course of 24 hours. This measurement refers to moisture such as sweat and condensation; as they form inside of the garment, they turn to water vapor and then pass through the pores, cooling down the rider. The higher the breathability rating, the less humidity you can expect to build up inside of your outerwear.

WINDPROOF

Windproof or wind-resistant fabrics are made by weaving the fibers of the material extra tightly to prevent wind from penetrating the garment and reaching the wearer. A day might be otherwise fairly clear, but an intense wind chill can drastically influence the temperature you experience out in the open. Wind can often tear across the mountainside at blistering speeds, so invest in the protection of a high-quality garment specifically designed to fight the wind and you’ll be able to stay warm and extend your day.

HOW TO BUY YOUR FIRST MOUNTAIN BIKE – 4 TIPS

The following could be a guest post by our friend Corey Maddocks at singletracks.com. If you are looking for additional info like this, verify our 66-page Beginner’s Guide to Mountain Biking e-book – transfer it without charge exploitation the shape at right!

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HOW TO opt for YOUR 1st bike
Soon once obtaining bitten by the mountain biking bug, you may be able to purchase your 1st ‘real’ bike. The myriad of costs, models and kinds of mountain bikes accessible makes the method not in contrast to shopping for a automobile. This guide can provide you with the data you would like to be associate degree sophisticated vendee with realistic expectations concerning what you would like and what you’ll afford. Get the Best Mountain Bike Under 1000.

1) ESTABLISH A BUDGET

Modern mountain bikes will value the maximum amount as $10,000, and whereas these bikes area unit super cool, there’s no ought to pay that a lot of to urge a motorbike that may permit you to possess a secure and fun ride on the path.

Penny Pincher: $500 or less.
While you may have some pretty strict limitations during this worth vary, the great news is that you simply will notice an honest bike for fewer than $500. during this category, you may need to appear for associate degree entry-level hardtail from a reputation whole. you’ll conjointly explore for a mid-level hardtail that’s used or a previous model year leftover. Avoid full suspension bikes during this worth vary. If they’re new they’re going to be a coffee quality “store” whole, and if they’re used they’re going to possible be beat up and find yourself cost accounting you additional in repairs than if you had simply bought a nicer new one. My 1st real bike was a specialised Rockhopper hardtail purchased off Craigslist for $150. One year later I had to exchange the fork, however i’m still riding it as my work commuter to the current day, eight years and thousands of miles later.

Budget-Minded: $500 – $1,000
In this vary you’ll score a fairly nice hardtail, maybe even a 29er, or maybe begin viewing entry level full suspension bikes. await used rentals or Craigslist deals to urge even additional bike for your cash.

Mid-range: $1,000 – $1,500
Once you live through $1000, choices open up within the clearance and model year close-out selections. There area unit variety of full suspension bikes and very nice hardtails during this vary. These bikes can begin to possess constant frames because the pricier models, simply with cheaper parts. selecting one in all these sets you up to upgrade-as-needed with higher components.

Upper mid-range: $1,500 – $3,500
With to a small degree looking around, you’ll get a motorbike during this class that may last you for years. Most native outlets can have race-ready hardtails and good all mountain or path full suspension models during this worth vary. you may conjointly begin to check carbon fiber models.

Rides with Mark Zuckerberg: $3500+
If you have got this type of cash to drop on a motorbike, you don’t actually need to stress concerning worth intrinsically. you may be additional involved with obtaining a motorbike that specifically matches your riding vogue, or maybe even 2 bikes for various riding disciplines.

2) DECIDE WHAT form of RIDING you would like to try to to

For simplicity, we’ll break mountain bikes down into 3 main categories:
• XC
• All Mountain / path
• Downhill

Be realistic concerning your desires here. If you pay most of it slow riding native paths and create 1-3 visits to raise maintained trail areas per annum, then shopping for a downhill bike won’t be the simplest plan. a more robust approach would be to shop for an honest bike and rent a downhill bike PRN. Again, don’t worry an excessive amount of if your budget is skinny. for many riding on marked trails, any sensible quality hardtail can get you out there and back safely. simply keep in mind, several of riders hit plenty of trails before full suspension was ever invented! On the flipside, if all of your riding is shuttled or raise maintained, then a freeride or downhill bike makes good sense, assumptive you have got the allow it.

3) begin putt IT along

Once you have got your budget established, and your riding vogue outlined, it’s time to undertake out some bikes!

For this purchase it’s extremely suggested to shop for native and avoid purchase order. whether or not you get new, used, or dealer leftover stock, it’s imperative that you simply throw a leg over your 1st bike before you drop your hard-earned coin. pay time at native bike outlets taking stuff out for brief check rides within the car parking zone. Once you have got narrowed down your selections to a number of serious contenders, see if you’ll do a paid demo on a true path for a true ride. conjointly consult with the native buy “Demo Days” wherever the vendors can found out at an area path with completely different model bikes to check. If you’re shopping for used, you will got to choose the simplest you’ll by riding the bike around a car parking zone.

The Best Ways to Advertise a Landscaping Business in the Digital Age

We get immeasurable questions about the simplest ways that to advertise a landscaping or field care business during this new digital age. queries like “Is radio and print advertising still relevant?”, “Should we tend to pay to air Angie’s List?” and “Does Facebook advertising truly work?”.

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All smart queries, my friends.

Let’s address the simplest ways that to advertise a landscaping business by initial creating a vital distinction between advertising and selling.

Advertising could be a type of selling – they’re not one within the same – and therefore the terms mustn’t be used interchangeably. Get in touch with Landscaping Ajax
In its simplest type, advertising is paid or sponsored electronic communication broadcast via ancient media like tv, radio, newspapers, magazines, billboards and unsolicited mail or digital media like banner ads or Google Adwords.

Marketing is way broader and includes disciplines like stigmatization and PR and methods like networking. Digital selling includes ways like programme improvement (SEO), email selling and content selling (all the fun digital stuff we provide at Landscape Leadership).

In this article I attempt to focus strictly on advertising within the digital medium. unsolicited mail, print advertising, etc., etc., has its place… simply not during this article 🙂

The Rules of Advertising

Let’s begin with a reality check. None people square measure Coca-Cola, Apple or McDonald’s. the most important, most identifiable brands within the world were designed on advertising (millions of bucks worth). the most important selling mistake you’ll be able to create as alittle business is to undertake and do identical. you do not have the budget. On high of that, advertising has no quality.

Another mistake is to treat advertising as associate investment and to expect a healthy come back on it investment. Advertising is never value what it prices – aside from the large brands United Nations agency use it to take care of their leadership position. firms like Wal-mart and Microsoft do not expect a come back on the various bucks spent on advertising – they treat the expenditure as insurance. they’re merely protective themselves against their competition.

My purpose is, for alittle business sort of a landscape contractor or field care operator, you wish to choose your spots once it involves advertising: Be good regarding wherever you set your bucks and manage your expectations consequently.

Fortunately, with the digital age upon United States of America, we’ve got more cost effective and targeted avenues for reaching our prospects and customers nowadays via advertising. Let’s perforate a number of the simplest ways that to advertise a landscaping or field care business in today’s digital age, beginning with niche social networks and review sites.

Niche social networks and review sites

Look within the mirror. you like viewing reviews on-line once creating a buying call, do not you? Well… thus do your potential customers.

Remember what I aforementioned earlier regarding advertising lacking credibility? that is as a result of ancient advertising is biased, and sometimes times, down-right deceiving. we tend to love (and largely trust) on-line reviews as a result of they’re from a third-party – removing bias from the equation.

This is one reason why revew sites like Houzz and Yelp will be a wise option to advertise your landscaping business. All have free plans that makes obtaining started a snap. As you get traction on a platform you’ll be able to step into a paid “premium” set up for a lot of native exposure. Note: i’m not endorsing the paid plans. that call is totally in your court.

Let’s take a glance at 3 of the foremost standard and vital review sites for landscapers and field care operators, beginning with Houzz.