Keeping Afloat During A Personal Financial Crisis

With troubled economic times, also comes rising personal debt, and if you feel like you are in a personal financial crisis, you are not alone. Australians have overtaken the citizens of Switzerland with household debts reaching astronomic figures. If you can feel your debt is starting to take control of your life, there are things that you can do to take matters into your own hands.

Learn To Balance Your Books

If you do not already, try starting a financial diary of all of your expenditures throughout the month. Make sure that you include everything that you pay out for, including your rent, food shopping, and car loans, right down to the pack of beers you bought to watch the game with at the weekend. It may just surprise you as to where a lot of your money goes, and it may also open your eyes as to where you could make some significant savings each month. The main reason that people get into debt is that they spend more each month than they earn, which is a lifestyle which is not sustainable. You will need to find areas of your finances that you can save money on, such as shopping at a cheaper grocery store, spend less on entertainment, or walk to the local shops for milk instead of taking the car. When you have reduced your outgoings, you will then need to learn how to manage your debts.

Getting Debt Advice

To be able to pay off all of your creditors it is going to require debt management on your part, and it is a good idea to speak to an expert for free, impartial advice on choosing how you will deal with your debt. You can contact the National Debt Helpline to get this information which can help you to make an informed decision on how to tackle your debt. One option that may be open to your is a consolidation loan.

Consolidating Your Debts

You may have the option to be able to consolidate all of your debts into one, which can save you money on interest payments in the long run. You will take out a loan which is enough to pay off all of your creditors, which will leave you with just one monthly payment to make. It can be suitable for a lot of people that are struggling with debt, but it is important that if you take out this type of loan that you make changes to your lifestyle to reflect the amount of money that you earn. Make sure that you always have something left over at the end of the month once all of your bills are paid, and put this into a savings account.

If you do not change your spending habits, then it will not be long until you are back in the same boat again, only this time you may have to look at different options such as bankruptcy! If you want to get rid of your debts that are hanging over your head, it can be done with a little tightening of the belt; you just need a little hard work and determination.

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The Effects of High Cholesterol on the Body

For many people, when they hear the word ‘cholesterol’ they will likely think the worst. In fact, when it comes to cholesterol, things are not so ‘black and white.’ Cholesterol can be both bad for you and good for you.

What is Cholesterol?

Cholesterol is a white fatty substance that you need for your body to work normally. While it exists in some foods, the production of cholesterol happens in the body’s liver. It can move around the body in the blood by what are known as lipoproteins. The two main types are:

  • High-Density Lipoprotein (HDL).
  • Low-Density Lipoprotein (LDL).

Of the two proteins, LDL tends to be referred to as ‘Bad Cholesterol.’ It’s bad because it can build up on the walls of the blood vessels, narrowing them and reducing blood flow. HDL is the opposite of LDL in that it’s seen as being ‘Good Cholesterol.’ Unlike LDL it has the reverse effect in that it soaks up excess cholesterol. HDL can remove bad cholesterol from blood vessels.

What are the effects of High Cholesterol?

If our bodies are to work properly, we need healthy levels of cholesterol. If, however, the levels are too high this may not happen. The problem is that there may be no obvious symptoms. That’s why taking action to identify and reduce the level of cholesterol in your body is important. If you don’t, you might find your health is at risk. This might show itself as issues that affect your heart and the blood moving around your body.

There is evidence that high cholesterol levels can have a number of effects on the body. Because of this, a person might be at risk of experiencing one of the following conditions:

  • Heart Attack
  • Stroke
  • Clogging of the arteries
  • Mini Stroke
  • Peripheral Arterial Disease

We know that cholesterol can build up on the walls of the body’s arteries. Because of this, high cholesterol can be a risk to your health. Elevated levels can impact on your heart, brain and other parts of your body. Another outcome is that there is a danger of a blood clot occurring. This can happen if the cholesterol breaks away from artery walls. The chances of you experiencing coronary heart disease increase as cholesterol levels rise.

How can I reduce my Cholesterol?

The key to bringing down your cholesterol is being able to follow a healthy, balanced diet. With healthy eating, it’s important to reduce the amount of fatty food you eat. One way of doing this is to swap out foods that contain saturated fat. It is better to replace it with things like fruit, vegetables, and whole grain cereals. Diet is one thing that can help you lower your cholesterol.

Another way of reducing your cholesterol includes taking regular exercise. If you’re a smoker then stopping will help.

Bringing together both diet and exercise will help you lower your cholesterol. If this doesn’t work and you are at a high risk of developing heart disease your GP may decide to prescribe medication. You might find that they prescribe you with medication like statins to lower your cholesterol level.

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If You Don’t Use Them, You’ll Lose Them…

It can be a big fear, that you aren’t simply making the most of your employees. And in whatever fashion, whether you aren’t stimulating them enough, or you’re neither currently increasing nor decreasing revenue, but are staying firmly in the middle, this is the sign of a business that is plateauing. You might be running a startup, but you’re too scared to let your employees move up or sideways in the company for fear of it upsetting the balance, but this is the equivalent of loving something too much. Holding it so tightly that it will end up flying the coup the first chance it gets. So, what are the signs of underused employees, and what can you do to fix this?

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Feeling Unstimulated

Now, there is a difference between having an unstimulating day and feeling chronically unstimulated, and can you see the difference in your workers? They may feel every day to do the same work and not be challenged by it, and this can be down to various reasons. But if you’ve kept people in the same role for years, then they’re going to know the role like the back of their hand and have become accustomed to using one set of skills when they are capable of so much more.

Their Responsibilities Haven’t Changed

The importance of growing with a role usually means taking on more duties and expanding your knowledge, making you a better asset to the company, but if everyone has stayed in the same roles for so long, how can they have grown and retained this indispensability? Having new challenges and different things to do, everybody says, is what makes a job interesting. They don’t have to necessarily like the role they’re doing, but if the job is diverse enough so that they feel challenged with an adequate amount of responsibility, this is usually what will keep people invested in a role.

They Rush Their Work

There is a difference between working fast and rushing, of course. And for every business, the hallmark of success is increased productivity, but so people can feel accomplished, they need to face certain challenges. Have you seen people keeping projects on track by being methodical in their work? Or are they always looking for something to do? It’s like in school, you thought that the cleverest person in the class was the one that did their work quickly, which made you rush too. It’s dangerous for people to do their work too fast, because mistakes will be made, and someone will pay the price. It could mean extra time working to rectify these mistakes, and therefore extra money!

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They Have Skills You Have No Idea They Had…

And while this is hard to spot from a distance, if you’ve got someone supremely skilled in one area that you may not link to the relevancy of the business right now, but it certainly could be in the future! If you’re not paying attention to your staff, you’re not valuing them enough.

…And They Don’t Have Skills You Want

If your employees don’t have what it takes, do you want to get rid of them and hire a whole new group of people and pay to train them up on the basics? Or are you better off to find a training centre so your employees can get clued up on the skills you need them to have? Soft skills training might sound irrelevant for a lot of people, but it’s the core of getting people to relate and to work together.  

So, What Can You Do?

While it’s important for roles to be fulfilled, if you run the risk of people feeling that they are not being utilised in their skills, you are going to lose them. What’s the solution? Well, it’s all about making your employees feel fulfilment. They demand this, and you need to give it to them. If you aren’t making the most of your employees, you aren’t just doing them a disservice, but you’re doing a disservice to your business. If there’s little wiggle room in a small company due to finances, then you need to find up a way to make it so. Speak to them, ask why they’re feeling stagnant? They will probably feel reticent in telling you because of the awkwardness of the circumstances, but you can put out anonymous questionnaires, and at least you will get a sample of what is bringing the employees down. It could be morale, it could be financial, or it could be personal. But if you have employees that are being underused in one way or another, look for these signs and start to make a change.

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5 Ways To Create The Most Romantic Proposal

Let’s face it – whether it’s the thrill of Thanksgiving, the magic of Christmas, or the romance of Valentine’s Day, or even a special anniversary or birthday coming up, it always seems to be proposal season these days. That’s pretty exciting, but, if you are looking to create a dream proposal that she will remember for the rest of your lives together, you’ll want a few tips that will help make dreams come true, right? So, we have put together the five elements we think will make up the perfect proposal when you are ready to pop the question. 

5 Elements to the Ideal Proposal

  1. Make it Personal and Thoughtful

Before you head off to look at the diverse collection of diamond engagement rings, you should sit down and start brainstorming ideas. Start by writing down a list of things that your partner really loves. It can be everything form travel locations and fashion designers to food, music, and style. You can then use that list as a starting block for ring and proposal inspiration.

  1. Create an Element of Surprise

A proposal that is too predictable just ruins the excitement of the moment. Besides, over 75% of women have reported that the surprise factor is one of the most important elements of a marriage proposal.

  1. Capture the Moment

You really won’t want either of you to forget the special moment, so be sure to plan to document the proposal, either by keeping a journal of notes and writing about the moment as soon as it happens, or even hiring a hidden photographer or videographer. No matter what you may think, the moment is going to pass in a flash and a blur, so having photos or some sort of memorable keepsake will help you anytime you want to look back on that special time.

  1. It’s All in the Details

Even the tiniest thing can make for the most memorable proposal. Try to really consider and write about your unique love story, and then start designing your proposal around it. You’ll be surprised just how inspirational the little things in your relationship can be when it comes to popping the question – even things like mementos and photos can be placed around the proposal area to set the scene. The point is to draw out the smallest of details about each other, whether it’s your partner’s favourite wine or including your beloved pet in the proposal, it can all play into one tear-jerking, heart-melting proposal.

  1. Make Space for Changes

Whenever you plan something special you should prepare for the worst – whether it’s rain, heavy traffic, or your partner arriving home from work late. Just prepare carefully and you will be ready.

Conclusion

There you have it – the five elements to creating your own romantic proposal. Before you start planning through, don’t forget to know which kind of ring you should present when you do pop the question. Take a look through her browser history, picture boards, and jewellery box to figure out what she loves and what will fit.

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Ways To Pick The Perfect Ring Without Knowing Her Size

So, you have finally found your “one?” That’s amazing! First, the good news: you know you plan on spending the rest of your life with. The bad news: you need to know her ring size! This is where the hard work starts – besides planning when and where to ask her to marry you, you need to find the perfect ring that will fit her.

Here are some sneaky ways to ensure you pick a ring that will fit:

1. Start with Her

If you want to be sneaky about figuring out her ring size, you’re going to need patience. So, start planning and leave enough time for the discovery process. Don’t start asking what type of rings she likes a few weeks before you start shopping, either. Think long term.

2. Make Casual Conversation

Wait for a jewellery commercial to come on, or wait until she is browsing online to ask her what type of jewellery she likes. Find out if she prefers white gold, silver, or gold.

3. Check Out Her Size While She Is Sleeping

If you want your proposal to be a surprise, and perhaps you are considering handmade engagement rings in Melbourne by Simon West Fine Jewellery, you can wait until she is asleep and wrap a piece of string or thin piece of paper around her finger. Keep in mind that you need to measure her left hand that she will wear the ring on. It does make a difference since the hand she uses to write with will be as much as half a size bigger.  If you already have a ring, try to avoid getting it sized any more or less than a size from what you need as it will compromise the stones, particularly if the ring has side stones. Instead, have the ring made slightly “off size” to be safe and to avoid the hassle of losing stones.

4. Fake a Purchase!

Take your lucky lady along on an outing to a jewellery store and pretend that you want to buy a ring for your sister/mother/niece, or any other relative as a special occasion gift. Ask her to try a few rings on and try to judge the sizes that way. An even better plan is call the jeweller before you go and let them in on your plan so that they can determine her ring size as she tries different rings on. This can help you reduce sizing errors significantly!

5. Borrow an Existing Ring

This one may not have occurred to you, but it works well. If you live with your future fiancé, take a look through her jewellery box and find a ring she doesn’t wear often but that you know fits her. Borrow it on the sly to get the correct size from the jeweller – just make sure she doesn’t suspect a thing!

That’s it – 5 possible ways to figure out the right ring size for the love of your life. What are you waiting for? It’s time to start getting your plan together!

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Top Advice for Those with a Beauty Injury: How to Make a Proper Claim for Compensation  

 

Although there are now many beauty treatments we can all benefit from, including such simple treatments as haircuts, waxing, facials, and so on, there is an alarming rise in the rate of injuries associated with such beauty treatments. The reason for this is simple: the beauty industry is still not properly regulated, and was, in fact, de-regulated a few years ago. This basically means that anyone with little training or skill can perform a beauty treatment, which may result in harm to the person receiving the treatment. If you have been a victim of a beauty treatment gone wrong, here’s what you should know about how to make a proper claim for compensation.

First, a look at some common beauty treatment injuries and complaints:

  • Damaged, brittle, or hair falling out
  • Burns from laser hair removal, waxing, or bleaching
  • Allergic responses or reactions to the improper use of or exposure to chemicals
  • Damage to the scalp due to the use of faulty equipment or hair products
  • Injuries or damage to the eye due to eyebrow or eyelash treatments, such as tattooing or dyeing
  • Injuries from tanning

There are other injuries related to beauty treatments, such as temporary or permanent scarring and even disfiguration, and, more often than not, beauty treatment injuries come with emotional and psychological effects as well.

A beauty injury is a personal injury

What you should know is that a beauty injury is classified as a personal injury, and, as such, you can be compensated for it. Most people assume that personal injuries are those associated with car accidents, falls and slips, and so on, but injuries due to beauty treatments fall under personal injury claims as well. For instance, if you went through a beauty treatment such as hair dyeing and were not given a patch test prior to the procedure, you may be able to claim compensation due to the technician’s or beautician’s negligence. Another misconception with beauty injury claims is that they are only about money or financial gains or returns. Some beauty treatment injuries can have very debilitating effects, and for these, the only way to move on and get funding for long-term treatment is to make a claim for compensation. Some individuals who suffer from permanent disfigurement or scarring have every right to claim compensation if it affects their quality of life.

Making a claim

If you would like to make a claim for a beauty injury, you have three years from your awareness of the injury to do so. To make a claim, you need proof, such as photographs, and you need other details such as the name of the salon or centre, the address, medical records, receipts, and other important evidence related to the injury.

 

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How to have the Best Bath Experience Ever

 

Who doesn’t want to luxuriate for hours in a freestanding bath, with their favourite book in their hands whilst listening to soothing music, with a glass of wine nearby? Spending time in the bath is something that many of us look forward to at the end of a long and taxing day, and you might as well pamper yourself as much as you can when you have time for it. But how can you make sure that you have the best bath experience ever? Here are some top tips to remember.

Set the mood

The mood and ambience of your bathroom makes all the difference if you really want to have the best bath experience ever. First things first: set the lighting. No overhead lights, if you please. Not only will overhead lighting make you feel sharp and alert (which is not the point if you want to take a relaxing bath), it also tends to highlight less-than-pleasant aspects such as your toothbrush holders, that mass of towels in the corner, and so on.  If you don’t have spotlights or corner lights in your bathroom, you can always just keep the overhead light off and light a few candles instead.

Music is another great way to set the mood for a relaxing bath. Choose some soothing music – the classical kind works best, although some ‘natural’ sounds such as jungle or ocean sounds work well, too. Don’t forget the accoutrements as well – whether you like a glass of wine or two with your bath or are fond of reading a magazine or book.

The little things matter

For a truly relaxing bath, why not add some Epsom salts to the bath water, or some aromatherapy essential oils? The Epsom salts can make your limbs soften like jelly, whilst the scent of the aromatherapy oils can help you feel less anxious and more relaxed. Lavender is a great essential oil, and a few drops in your bath can help you sleep better. Coconut oil is great for moisturising the skin, and it smells wonderful, too.

The after-bath ritual

You know what can make your bath experience a truly unforgettable one? Aside from having your bath in a beautiful freestanding bath, there’s one trick that not many people know about, although it’s been proven effective time and time again. After relaxing in your bath, you’re understandably sleepy and in a dozy mood. But you’ve probably sweated a lot in your bath, especially if the water is hot. This is where an after-bath shower is highly-recommended. Don’t worry, it won’t make you feel less sleepy – in fact, it contributes to an even better sleep. So after your bath, go under the shower and rinse off the oil from your body and shampoo your hair – this will help make you feel clean, refreshed, and even more relaxed.

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Where To Hire Bikini Models

 

 

How They Could Help You to Boost Your Business

You may not have thought of hiring some bikini models before, but they can turn a good shoot or event into a great one.

It can be tough to find the perfect face for your brand. Whether you’re trying to drum up fresh interest in your business, want to shoot a few photographs for an ad campaign or are throwing a launch party for your latest product, it’s important to create the right image. So why not hire some stunning bikini models to help you out a little? There’s no better way to promote or advertise than with the help of a gorgeous woman, and there are so many experienced bikini models out there who would love to be part of your campaign.

Photo shoots

If you’re planning a big photo shoot, then you should definitely hire some hot bikini models. Whether you’re going to be shooting at the beach or in a studio, an experienced model will be familiar with the process and will be able to offer you some advice on what works and what doesn’t. Remember, these girls know what looking good is all about! A great model will also be open minded and able to take direction professionally too. So no matter your level of experience with photo shoots or the direction yours ends up taking, you can be sure that your model will help it to all go smoothly.

Events

Bikini models aren’t just great in front of the camera though. They’re also great for special occasions such as product launches and company events too. Perhaps you’re going to throw a beach party to celebrate your latest swimwear designs? Or maybe you’re going to have a business bash on a yacht to appeal to the luxury market? Whatever you’ve got planned, some professional models will take your event to the next level. They’ll interact with your guests, get the attention of everyone who’s in attendance and most importantly, help you to build the right kind of image for your brand.

Where to hire them

There are lots of bikini babes available for VIP image model jobs, but it’s important that you only hire the best. Always make sure that you hire your models from a top agency like Capital Image Models. If you hire a girl who’s come from a respected agency, you’re not only getting her services. No, as well as her skills and experience, you’re getting the agency’s too. Their team will have valuable contacts in the modelling industry, and you’ll be able to take advantage of that. So why hire any bikini model when you can be sure that you’ll have the best girl in the business for your job?

Book your bikini models today

Bikini models will attract lots of attention, and for all the right reasons too. Sexy, confident and with modelling skills that rival the biggest catwalk stars in the world, they’re the perfect face for your brand. Whether they’re going to dazzle the cameras on a glitzy photo shoot or wow the guests at your business function, you’ll be glad that you took the time to secure their services. So why not start planning great things for your company and call an exclusive modelling agency today?

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How Can Your Business Benefit from Co-Branded Prepaid Cards?

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Nowadays consumers purchase goods and services with the help of a myriad of payment methods that are available. These different payment methods include a range of debit cards, credit cards, checks, cash, bank drafts, money orders, and prepaid cards. Naturally the question arises, what are prepaid cards and how can your business benefit

What Are Prepaid Cards?

Prepaid Visa cards are unlike traditional credit or debit cards as there is no money lending applicable here. A prepaid card is simply a means of using the money that you have deposited within your account via cash, debit or credit card (like credit card 0 interest 24 months) without overspending your account finances.

What Is Co-Branding?

Many companies offer co-branded prepaid cards to their customers and employees via a co-branded prepaid card program. A prepaid card that has been co-branded contains at least two logos or brands on it. The first logo is your company’s logo and the second is a logo of the card program provider.

Therefore, you can look at the co-branded prepaid card program as a partnership between the enterprise, the card program provider and sometimes, even the bank where the account has been registered. The card can have as many logos as the number of brands that have combined together to produce the card.

How Co-Branded Cards Can Benefit Business?

A co-branded prepaid card can bring a number of benefits to your commercial enterprise here are some of the most common advantages:

• Co-branded prepaid cards can provide you with a prepaid card program that is in collaboration with MasterCard or Visa this makes the card acceptable all over the globe.
• As both MasterCard and Visa are widely available worldwide, you can be sure that the prepaid card will be accepted no matter where it is used.
• Making payments with prepaid cards is a safe way of making transactions and can easily be used by your customers and employees at any store worldwide.
• Prepaid cards are a much safer means of making purchases and thus, will be used by more of your customers, increasing profits for your store as well.
• Your employees will be able to make use of their wages in an easier and much more convenient manner with the help of the prepaid card program.

If you want to bring additional growth success and publicity to your business, opting for a co-branded prepaid card has a number of benefits. One of the ways to achieve this is by offering a co-branded card to your customers, printed with your logo for additional marketing.

Please visit www.transact24.com to find out more about Co-Branded Prepaid Cards.

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Winter Fashion and Beauty Trends

Despite our natural instinct to hibernate, once you get over the biting cold and long, dark nights there’s actually something pretty romantic about winter, and fashion and beauty trends to go with it. Here are our ten top ideas to keep you looking great until spring:

  1. Wavy hairstyles: during winter you need a hairstyle that gives movement to your locks and adds a bit of fun to your darker winter looks. Wavy hairstyles are the way to go, especially if you love covering your head with woolly hats! Think casual and elegant wavy hairstyles, long and short, perfect for those misty days when your hair fights against all the straighteners in the world.
  2. Knitwear: as the common refrain goes ‘Knitwear? More like fitwear.’ Everyone looks good in a bit of knit. This endlessly flattering choice is perfect for cold, blustery days.
  3. Woolly socks: and if we’re on the subject of woollies let’s not forget the simple joy in a luxurious pair of warm socks. Use interesting colours to brighten up your look and wear them pulled up above your boots.
  4. Leather boots: yep, of course, winter requires some sturdy, but beautiful footwear and this season it’s all about leather. Look for buckles and other detailing to get a pair that suits your look.
  5. Belts over coats: this is a recurring trend and one particularly big this year. Use a wide belt worn high around the waist to give you that classic hour-glass figure.
  6. Half-gloves: hands get chilly too so make sure to wrap up warm with a good pair of gloves this season. The trend at the moment is for those which cover up to your knuckles, but leave fingers free for using phones and holding hands.
  7. Thigh length coats: if nothing else, make sure to get a good coat this winter. It’s the one piece that will be most influential to your look. Coats that reach to mid-thigh are particularly on-trend.
  8. Temporary tattoos: usually winter is about covering up, but there will be times when you find somewhere warm and can finally remove all those layers. Why not surprise everyone when you do so with a cute temporary tattoo. There are lots of great options now designed by illustrators and fashionistas that can update your look in minutes.
  9. Braids: if you’re not one for wavy hairstyles and prefer to keep your hair away from your face, long hair can be kept off during winter with braids. Simple, beautiful and leaving you more time for laying on all those extra clothes.
  10. Treat yourself: Winter can be tough with lots of frosty weather and long, dark evenings. The greatest fashion accessory is a cheery attitude so if you need a little TLC during these months don’t hesitate to pamper yourself at a good beauty salon.

Stay warm, stay happy and look great this winter. Follow our tips and there’ll be no need to hibernate for the rest of the season!

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