The Top 5 Ways to Save For Your Dream Home

Whether it’s a new phone or new car that you’re saving up for, making a big purchase can be nerve-wracking, even for the savviest spenders. That’s certainly true when it comes to home buying; your house is the biggest purchase you’ll ever make, and, for many of us, it seems nearly impossible to save up for the down payment we need. While putting together a generous nest egg can seem like a pipe dream, there are some easy ways to accomplish it ever than you thought possible. If you want to purchase that dream home, start with these easy saving tips:

Use cash: While it can be easy to charge purchase after purchase on your credit card, only realizing how much you’ve racked up when you look at the bill, paying with cash can help lower your spending in no time. Before you leave the house for the day, put a pre-determined amount of cash in your wallet and leave your cards at home — you can’t spend what you don’t have on you, after all.

Set up automatic deposits: While it may feel painful to put cash in your savings account when there are so many fun things you could be buying with it, setting up automatic deposits can have you saving easily in no time. Simply set up a weekly automatic deposit from your bank account and you’ll accumulate a nice nest egg quickly — you won’t even miss the money.

Carpool to work: According to the U.S. Energy Information Administration, the average American will spend nearly $2000 on gas this year. However, if you carpool to work even just a few days a week, you can cut that number down significantly, leaving you more money to use for the purchase of your perfect home.

Sign up for rewards programs: Save money every time you go shopping by signing up for in-store rewards programs. Those little keychain fobs they hand out at the grocery, beauty supply, or houseware store can save you serious money over time, often giving users access to special pricing and early sales. Just signing up could save you hundreds, if not thousands, of dollars to put toward your home.

Negotiate your bills: The amount your asked to pay on your bills is often more up to interpretation than you might imagine. For many bills, from cable to hospital bills, you can actually negotiate the price. In fact, many places that charge heavily for bills, like hospitals, will even offer you significant discounts if you pay them in full.

Owning your own home doesn’t have to be a fantasy. In fact, buying smart and starting early can save you tens, if not hundreds of thousands of dollars over a lifetime. Before you resign yourself to a life of renting forever, start saving and you might just be buying before you know it. Just a few dollars tucked away today can yield a healthy nest egg that will help you buy the home you’ve always wanted.

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The Top 5 Purse Essentials For Working Women

While many men question why women need to carry so much with them at all times, the rest of us know the power of the purse. Having everything you need for work, a night out, or a long commute home all in one place can make your day more convenient and less busy, freeing up time to spend on the things that really matter. So, what does every busy woman need in her bag? We’ve rounded up the must-have accessories that you can’t live without:

Portable phone battery: Other than seeing a shark suddenly appear in the water where you’re swimming, there are few things more frightening than getting the 10 percent battery notification on your phone. Between marathon texting, calls, and app use, our phones have a tendency to lose battery or shut down completely long before we’re done using them. Fortunately, an external battery pack can help keep your phone fully charged all day, meaning you’ll be able to schedule that meeting in the morning and still have enough battery to hire a car home from dinner later that night.

Multi-purpose makeup palette: Wearing your “going out” makeup to work might not go over so well at the office. Fortunately, companies like Too Faced, Urban Decay, and Tarte all have purse-sized multipurpose palettes that can help you transform your look without lugging around your entire makeup case.

Bluetooth headphones: Wires are a nuisance, but that doesn’t mean you should forgo your favorite entertainment entirely. Adding a pair of Bluetooth headphones to your purse will not only allow you to listen to your music, watch shows, or tune into podcasts without a wire tethering you to your purse, they’re also great for those times at work when you want to listen to something without anyone being the wiser.

Foldable flats: Heels can make your calves look great, but they’re not doing a thing for the comfort or health of your feet. Sticking a pair of foldable flats, like Rothy’s or Fast Flats, into your bag can help you look great at the office or on your after-work date and be comfortable in a pair of low-to-the-ground shoes just moments later.

Personal alarm: Personal safety is a serious concern for many women, and with good reason. Fortunately, you don’t have to carry a dangerous weapon to protect yourself. A high-decibel personal alarm can help you alert others when you’re in danger and ward off any would-be attackers.

The well-lived life of a career woman often means busy days and even busier nights. Instead of rushing home after a long day at the office only to head right back out again, a well-prepared purse can mean less time spent in transit, and more time spent enjoying yourself.

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How to Get Beautiful Skin

Everybody, women or men crave beautiful, healthy looking skin. If you are reading this, there is a good chance that you are suffering from bad skin that looks dehydrated and has lost its bounce. The skin is the largest organ of the human body and it shouldn’t be neglected in any way. If you indeed are looking forward to make your skin look better then, you have two choices, one is to get there the non-invasive healthy and natural way and the other one is to embrace the invasive way.

Non-invasive –

The non-invasive way calls for taking good care of your skin regularly and slowly you will see the results. Make a schedule and impart some time just for your skin care. Your regime should be elaborate yet easy to follow. Below is the regime that one must follow daily to get healthy glowing skin.

Understand –

Before you jump into a conclusion and buy products for your skin, try to understand your skin type. It is oily, dry or combination of both. The products available in the market these days are labeled accordingly.

Cleanse –

 There are a vast number of brands coming up with their cleansers every other day; it is natural to get confused about it. Try some cleansers that say it caters to your skin type and find the best one that suits your skin in the trial and error way. Once you have found a cleanser that suits your skin then stick with it.

Exfoliate –

The next step for you to get clear skin is to exfoliate at least once a week. You have to remove that dead skin and to do so you can either purchase a good scrub or make your own using sugar granules and oils mixed with your cleanser.

Moisturize-

Moisturizing your skin is very important; you don’t want dry and flakey skin. After all that cleansing and scrubbing you have to restore the natural moisture of your skin. Use a good moisturizer as per your skin’s need.

Sunscreen-

The sun is the main culprit when it comes to bad skin. The UV rays from the sun damages our skin cells making our skin look dull and bad. It makes our skin look beaten and with no life. Exposure to sun can also result in skin cancer. This is the reason why applying sunscreen is important. If you are indoor or outdoor you should always wear sunscreen. If you ask for the holy grail of skin care, sunscreen will be the answer!

Invasive –

There are a huge number of women and men, who are ready to go under the knife to get beautiful skin. Botox is the call of the day. People from all walks of life across the globe are using Botox to make their skin look youthful. It helps in reducing the fine lines and wrinkles that come with old age. There are various other invasive methods people use to get better skin. People take unsecured personal loans with bad credit and no guarantor, to go under the knife.

It is best to go the Non-invasive way when it comes to skin care. Ageing is a natural phenomenon and one should learn to embrace it, try to follow the basic regime of cleansing, exfoliating, moisturizing and using sunscreen will soon make your skin look healthy and rejuvenated.

Whether you go for the invasive or the non-invasive method you will have to invest in some good skin care products to get the glow you have always wanted.

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Claiming Compensation for a Whiplash Injury

 

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Motor accidents are more common than perhaps some would think and most whiplash injuries are as a result of one. Fortunately, many of them result in relatively little damage. But whilst the vehicles involved may not suffer much, drivers and passengers can. Whiplash injuries can be mild in nature and sufferers sometimes feel it does not warrant making a claim for compensation; in more serious cases it can lead to on-going discomfort and difficulties. In either case, a person who has suffered whiplash as the result of an accident is legally entitled to make a claim for compensation.

 

Whiplash and its effects

Whiplash has become a common term for the injury suffered when the neck is subjected to sudden movement forwards, backwards or sideways to such a degree that the movement damages the soft tissues of the neck which become sprained. Often the effects of whiplash are not immediately noticeable and this can be a significant factor when victims consider whether or not to make a claim for compensation. Effects can be mild, requiring little treatment, or more severe resulting in long-term pain and inconvenience or even loss of work and depression.

 

What to do after an accident

For the drivers involved, it is important that essential information such as insurance, addresses etc is exchanged. If this is not done at the time of the accident it must be reported to a Police officer or at a Police station within 24 hours. After this, the most important thing to do is to seek medical help. Even if the symptoms are mild, the sooner a medical practitioner is able to assess the damage the sooner any required treatment can be administered. It is often the case with whiplash that symptoms are worse the day after the accident. It is also necessary to have medical opinion in order to pursue any claim for compensation.

 

Get legal advice

If medical opinion is that an injury has been sustained as a result of the accident then legal advice should be sought. Again, this should be done as soon as possible. And it is advisable even if medical opinion has not been given. Finding out whether a claim is possible is a simple matter once solicitors have been identified; this can be done by searching for whiplash compensation specialists.

 

How long after the accident can a claim be made?

Claims can be made for injury compensation up to 3 years after the accident, or up to 3 years after symptoms of the injury are diagnosed.

This rule is different for children as the three year “clock” does not start to run until they reach the age of 18. They therefore have until they are 21 to make a claim. Despite the generous time allowed it is always advisable to start the process of making a claim as soon as possible after the injury has been sustained as it will be easier to prove the link between the injury and the accident.

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Caring For White Prom Dresses

 

While little black dresses and rich jewel tones are always a gorgeous and chic choice for prom, little white dresses are a bright and fun alternative for spring. Long reserved for brides and summer cocktail parties, white dresses flatter in a variety of cuts and styles.

Light coloured dresses, especially stunning white prom dresses, can be a challenge to keep clean and pristine. Between makeup, dinner and dancing, there are just too many opportunities for stain mishaps. So, what can a glam girl do when she wants to shine in a white gown? Read on for tips and tricks for keeping that perfect white dress bright and spotless.

DEALING WITH SPILLS AND MESSES

Different fabrics need different care and different stains respond to different treatment. Planning ahead can save a lot of trouble if someone spills cran-apple cider on you, so be sure to consider the fabric of the dress before treating any spill or stain.

  • Treat stains as quickly as possible.
  • Always follow the manufacturer’s guidelines for garment care. Dry Clean Only is one rule you never want to break when it comes to prom dresses.
  • Gently blot wet stains right away with a clean, light-coloured cloth.
  • Baking soda, lemon juice, and club soda can be mixed together for a quick solution that takes out many stains.

CARING FOR YOUR DRESS

Prom might only come around once a year, but a well-chosen dress might live several lives. Timeless styles make great cocktail dresses down the road. Or perhaps, you and your girlfriends want to plan a dress-swapping event. Many charitable organizations also take donated dressed for low-income women and girls. In all of these cases, or if you just want to save your dress for a future Halloween costume, caring for the garment is a wise idea. Here are some fail-safe tips for caring for your dress so it’s flawless and ready for all adventures.

  • Use the right type of hanger. Notched hangers can damage dresses and tear off sequins and details. Look for a hanger with smooth, straight design for best results.
  • Hang your dress using the ribbons sewn inside the upper part of the dress. To keep the hem of the dress clean and avoid fraying, ensure the dress is hung high enough so it’s off the ground.
  • A cool, dark closet is the best place to store your dress. Make sure it’s away from any windows as sunlight can fade and ruin fabric.
  • For extending the life of the dress and maintaining that bright white look, consider dry cleaning dresses in between uses.

Above all, have fun lighting up the night in whatever white gown matches your mood. A bright, prom-perfect dress that makes you feel like a dancing queen all night long is easily accessorized with almost any colour of jewellery, shoes and, of course, a dazzling smile.

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The Key Qualities Of An Entrepreneur

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Being an entrepreneur isn’t just about making money. This way of life takes a very special type of person, with a unique set of traits which few will share. Of course, most of these can be learned, but you’ll need some support along the way. To give you this gift, it’s time to explore the different qualities you should be looking to have.

  • A Desire To Succeed

To begin, there is one massive thing separating those that can make their own money and those who have to work a normal job; the drive to succeed. You will have to work extremely hard to go far in your own venture. So, it makes sense that you should be incredibly target driven before you start. This will take discipline. But, once you’ve taken on these qualities, life in business will be a lot easier.

  • Passion For Learning

Along with a desire for success, a passion for learning will also get you a long way in your business. Qualifying with a distance learning MBA will take a lot of work. But, with the benefits it could give you, it will be well worth it. Along with this, though, you should also be willing to learn from your mistakes, as well as those of the people around you.

  • Patience In Everything

It can take a very long time before a company is off the ground. From the legal issues you might face to development time on your website and apps, there will be a lot of waiting around. Once you get started, though, is when the chaos will truly begin. To be able to deal with this, it takes a great degree of patience. You should make sure that you’re willing to work hard for several years without any sort of reward, as the true benefits of your business will be felt in the future.

  • Ability To Drive Yourself

During the course of your company, there will be times where you feel like there’s no point in what you’re doing. Of course, though, this isn’t true. The work you’re doing now is preparing for a much better future for yourself. So, the ability to push yourself through these spots is very important. Self-motivation techniques can be easily taught to yourself with the right amount of time.

  • The Power To Inspire Others

As your business grows and develops, it will slowly need more and more people to handle its workload. When you take on employees, your leadership skills will be put to the test, and you will need to be able to inspire people to work hard. Like business, management methods can be taught. So, it could be worth doing some learning before people are taken on.

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Hopefully, this post will inspire you to start working on yourself a little bit, before you work on your business. A lot of people make the mistake of rushing into their venture. But, with the right work, you can make a marked impact on your chances of success. The best business people get where they are thanks to a lot of factors.

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6 Great Tips to Help Your Fiancé Pick a Wedding Suit

 

 

So you’ve decided together that you would like to formalise your union, picked a wedding planner and perhaps decided that you want to hire a chateau for your wedding. You may even opt for Château Bouffémont, on account of its aristocratic charm, refined interior decor and spectacular manicured French gardens.

Indeed, as an exclusive venue, we are used to many of those who decide to get married with us asking about the finer points of picking a suit for the groom. So, here are the tips that will help you and your beloved to make the right choice of wedding suit sooner.

  1. Consider the setting

We mentioned our venue above, and this has greater influence on the suit and gown that you choose than you may initially presume.

Those who pick a chateau for wedding their beloved are best advised to go for something relatively formal and traditional. Then, there’s the matter of ensuring your respective outfits are well-coordinated with each other – you won’t want one to overshadow or distract from the other.

  1. Go for something timeless

‘Trendy’ fashions age quickly. You won’t want your groom to be mocked (even good-naturedly!) by their family members and friends every time the wedding photos are shown in years to come, all because they chose something that was ‘of its time’ to the point of cringe-inducing.

So, ensure they avoid the equivalent of a ‘Dad wearing flares’ moment by pointing them towards a classic and timeless look.

  1. Pay close attention to the fit

Again, a poorly fitting suit will be glaringly obvious in your wedding photos. That isn’t something you will want all of the family to be reminding themselves of for potentially decades to come.

That means ensuring the suit jacket shoulder lays flat onto your fiancé’s own shoulder, the jacket is just long enough to cover his seat, and his trousers sit on the shoe, with one crease in front of the trousers across the top of the shoe. These are just some of the widely accepted ‘ground rules’ for achieving the most appropriate fit for your groom’s suit.

  1. Achieve the right level of formality

The matter of how formal an appearance to seek for your fiancé’s wedding suit is naturally connected to several of the aforementioned factors, such as the setting provided by the venue. However, once you do know what formality level is appropriate, it’s important to know which suits lend themselves best to it.

A ‘casual’ suit might be easy enough to achieve, consisting of simply whatever breathable fabric makes him feel comfortable, such as a linen or a cotton. If the outfit needs to be especially formal, however, it could be a great idea to guide him towards a dark wedding suit characterised by a very fine and soft fabric, and peaked lapels for the most confident look.

  1. Give some thought to the fabric

It’s understandable why many brides and grooms may be drawn to heavier materials for a wedding suit, given their association with quality and expense. Certainly, if it’s quality you want – and a suit that maintains its shape over time – it’s wool, worsted or wool-blended suits that especially fit the bill.

However, even if you are on a budget, you can still achieve a smart look – as well as breathability – when you consider cotton and polyester suits.

  1. Encourage him to spend a little more

This might sound like quite a cheeky tip, but if there’s one time during your groom’s life that he splurges on anything, it might as well be when he is picking out a wedding suit.

Many years after the wedding, it is unlikely that you will remember the food you served your guests, or even necessarily the venue staff that assisted you, but instead the really big and special things, such as the setting in which you tied the knot and what you were both wearing.

Your wedding is a very special day that calls for a very special gown and suit – and for that, you and your fiancé will probably be thankful for having spent a little more on the outfits you both truly wanted.

Would you appreciate further guidance on how you can pick out the ideal suit for your fiancé? Vogue has detailed five mistakes that the groom needs to avoid when making his decision.

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Tweed: Stylish Ways to Wear it for Cheltenham Races

Tweed has always defined horsing events. However, you could be forgiven for thinking that the heavy material has no place in racing, probably from looking at pictures of summer events heralding soft fabrics and extravagant hats. However, if you go to a racing meet in the colder months, it can be difficult to dress appropriately and ensure that you don’t catch a chill at the same time. Tweed has become synonymous with the folk who grace Cheltenham’s ground, due to the Festival being in March. If tweed is something that you can’t imagine yourself wearing, then we’ve rounded up some of the key pieces, which might just inspire your race day outfit and make you change your mind.

La cascade de @chanelofficial ☔️ S|S 2018. #PFW @karllagerfeld @voguerunway

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Since Coco Chanel reinvented the tweed jacket with the launch of Chanel, they have been pushing the boundaries of tweed style. The latest collection is no exception. With suiting moving into the mainstream, a tweed suit makes the perfect Cheltenham outfit, as you can invest in a piece from Chanel and continue to wear it in or out of work for years to come.


If you’re not into structure, this elegant midi skirt makes a great pairing with a dark fitted top for an alternative race day look. Whilst you float around the clubhouse, you could check out the horsing tips on Oddschecker. For the Cheltenham Festival they have Ballyandy at 25/1, so you can have an informed flutter on the horses whilst looking your part in tweed.


If it’s quintessential British glamour that you’re looking for, then look no further than Mulberry. Tweed at Mulberry is both feminine and practical. Take this coat for instance: perfect for the chillier months, but also softly structured, and beautifully finished with a bow. It makes the perfect formal coat, and the practical nature of the fabric makes it perfect for race day. If you want to go minimal but still follow the tweed trend, you can opt for one of the Mulberry tweed bags.


If head-to-toe tweed doesn’t ignite your bones, then accessorising with the fabric might suit you better. You could pair your outfit with a tweed scarf or bag and still join in with the statement. tartan tweed eye makeup was seen on the runway this season, so maybe if you are a head-to-toe tweed lover it might be something to try, and if you aren’t then it might make a good accent to your outfit.
Fashion statements will come and go, but tweed will always reign supreme on raceday at Cheltenham. The practical nature of the fabric alongside the glamour of a racing event ensure that it is a quintessentially British event, and in tweed, it’s easy to be both elegant and warm.

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Create A Business Address In Los Angeles Using Global Business Centers

Create A Business Address In Los Angeles Using Global Business Centers

Whether they are looking at a contact page on a website or a business card, the address of your business is one of the first things that a prospective client will see. Here is more on why you want to have your company associated with a reputable location, and how you can set up a business address without paying extensive location costs:

Why Location Matters:  On a global scale, Los Angeles is typically a well-known city and business center. However, some areas of Los Angeles are more reputable than others. For instance, Westwood or Beverly Hills are known to be “high-end” expensive business areas and will draw more positive attention to a new company. After all, a lucrative address is associated with a successful business.

How To Get An Address At Low Costs: While an office in Beverly Hills may cost a fortune in rent, utilities and maintenance, you can get the benefits of the Beverly Hills address without the high costs with a virtual office space. A virtual office will come with a virtual business address in a well-off area and other possible amenities.

What Else Is Available?: Many companies that rent virtual office space offer various bundles such as answering services and conference rooms for rent. Having a professional answering service can help ensure that you never miss an important phone call and that your clients can reach a professional during working hours- though some answering services are also 24/7. Should you need to physically meet with clients from time to time, you can also rent out a conference room for a fraction of the cost that comes with actually owning the room, and you can rent it only for the time of your meeting.

Having a great address can lead to a great business. A bit of planning and research can help you decide whether a virtual address may be right for your company.

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Building Your New Website

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When you get to the point of launching your website, it won’t be the last time you edit. Over time you will need to refresh the look, to update your programming and to fix any mistakes. You can stress about all the details before your launch it, but in the end, all you will end up doing is putting off the day when your website is up and running – which slows the process of your business.

There are a few things that you need to get as close to perfect as you can before you let the public see your site.

Theme

You need to create a website that represents your business – not you. You might be beautifully vintage, with barrel rolls and red lipstick, but is your business? Chose the right look that will appeal to your target audience. Keep it clean cut and simple and the look will be timeless.

Images

It’s always best to use your own images, but if you’re not the best photographer, or lack the right equipment, then use sites like Pexels and Flickr. Just make sure that the images are available for commercial use, and always credit the photographer. Again, make sure the images are appropriate for your business – a head shot of you on a night out might not set the best tone.

Content

You will be judged from the moment somebody clicks on your website. You need to look and sound the part. Good content is what attracts people to your site. A home page should be short and sweet – or a stream of your most recent blogs. The scroll-down idea is something everyone is used to thanks to social media. Save the history of your business for the about page. You can write the content yourself, or you can hire a professional writer to do it for you.

SEO

Search Engine Optimisation (SEO) is where keywords are used in the body of a text to increase the chances of your site being found. The ‘keyword’ is judged on the popularity of the phrase being used in a search engine. If we’re honest, no one moves past the first page of a Google search, if what we are looking for isn’t there, we try searching something else. The more adept at using keywords you are, the more of a chance you have at being on that front page, it is a type of website promotion. Any professional copywriter will know this and use it to benefit your business.

Web Management

You need to decide who is going to manage your site; will it just be you, or will others be able to contribute. Set out a calendar of when you are going to post new content, and when you are going to update anything on your site. If you say on your homepage that you post a new blog every week, then make sure you stick to that. If others can post, then make sure you are keeping an eye on the changes as what they do will affect your business for the better or for worse.

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