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5 Smart Ways to Beat the Summer Heat

Summer always comes with the heat and increasingly rising utility bills. It is not affordable for everyone to pay air conditioning bills and enjoy the cool breeze even when the sun is at its best. High electricity cost can put an unbearable stress on your wallet. However, your worries are over now because every cloud has a silver lining. This means you can beat the summer heat and enjoy all the good things about summer without spending too much on air conditioning. What follows are some simple tips and inexpensive accessories that can help you figure a better solution

1. Get some indoor plants

There are certain indoor plants that keep the air around them cool and fresh. Plants use a process called photosynthesis where they use sunlight and water in order to grow and survive. This process makes plants consume energy or heat present in the surroundings. Have you ever feel that space around a bunch of trees is often colder than normal? It is because plants absorb heat from the air which leads to a more healthy environment.

2. Shade your windows

We know that the sun rises in the east and sets in the west. Windows facing those direction can take in a lot of direct sunlight which can turn your house into a toasty space where it is hard to breathe and stay comfortable. To prevent this, keep the east and west facing windows shaded during the day so that shades can block the sunlight.

Installing blackout curtains is also a good idea because curtains not only block the heat but also make your place look visually appealing. So, don’t forget to cover the sunny side of your windows and doors. It will keep the temperature of your place low and bearable. Besides, open the shade and take off the curtain at night so that fresh air can pass through.

3. Make a good use of your basement

In most of the buildings, the basement is the coldest part. It would be a good idea to use basement a lot for all kinds of activities. In summer, basement provides a cool environment to spend some good family time. If you haven’t yet established your basement, make efforts to make it more liveable. Summer heat is probably a good reason why you should finish up your basement and make it a better hang out room for the summer. This will also add value to your home.

4. Wear breathable clothes

It is really important to wear breathable clothing in order to stay cool in the summer heat. High-quality summer clothing is generally designed to be breathable. Most of the workwear gears are made to keep the wearer cool. Linen, for example, is made out of the flax plants. The linen fibers come directly from the stalk of the plant.

5. Use cooling pillows

Heat can make it really difficult to get a sound sleep. This is where cooling mattresses and pillows come into play and help us get good sleep at night. The cooling pillow is a relatively new technique to fight the heat. They are designed with a special gel that makes you feel cool in the summer.

Unlike air conditioning and other cooling devices, cooling pillows do not put burden on your budget. They create cool ventilation without consuming power and making noise. Experts recommend that we should use eco-friendly methods to survive heat. It would be difficult to find something more eco-friendly than cooling pillows. An informative article suggests a list of best cooling that you can buy to make your summer season more pleasant. Following are some of the benefits of using them:

  • Cooling pillows make you fall asleep quickly pillows
  • They help fight insomnia and other sleep disorders
  • They support the body and provide a high level of comfort

TakeawayOne of the easiest techniques to beat the heat inside your house is replacing incandescent bulbs with fluorescents bulbs which emits up to 70% less heat. Use plants that naturally cools down the house. Also, install a ceiling fan and place it counterclockwise so the air blows down at you.

High energy bills in the summer can really disturb your budget, but if you use smart strategies such as shading windows and using cooling pillows, you can spend a really hot season while keeping your air conditioning on a lower setting.

For more information, please read this article which provides a list of best cooling pillows that you can buy to make your summer season more pleasant.

How Can Inheriting “Life Changing Assets” Affect Your Heirs?

Most people don’t consider what will happen after death. Why? Because it is scary. People don’t want to think about what will happen when they are not around and cannot influence whatever is going on in their environment. For this reason, many people do not have a will, funeral arrangements or a plan as to what will happen to their estate.

Aside from the tax consequences and keeping files organized, what else should you consider in terms of estate planning? There is a large personal element to estate planning because the effects of inheriting assets can be significant. This article focuses on how a large inheritance can affect someone receiving it.

Life Changing Assets

Does it matter what someone receives or how much it is worth as an inheritance? People think there are no consequences to inheriting large sums of money, businesses or real estate. This is not true! Larger assets or “complex” assets – things that need to be looked after – take energy and time to be managed, and some degree of knowledge. You can hire someone to do almost anything, but then there is the element of trust and fairness if there is more than one person who will inherit the asset. The ability to make decisions and have a degree of control is very important to a lot of people, and having to share this with another person (including spouses or family members) is challenging.

There is also the effect that comes from the inevitable changes that a business or sum of money can bring with it. Why? These things can be a permanent lifestyle changer. Inheriting a large sum of money is liked forced retirement. Would you like to be forced into having fun? Yes, it can be argued that you will continue your lifestyle as it was prior to the inheritance, but this rarely happens because it takes a lot of discipline. One of the key characteristics of something that is fun is that you have chosen to do it. If you have to run a business or a stock portfolio and you know nothing about it and do not like doing it, this can be a problem.

Quotations from the 1%

Looking at the quotations below gives you an idea of the issues involved in inheriting “life changing assets”.

“The first generation builds wealth, the second generation keeps the wealth, and the third generation spends the wealth. The fourth generation would have to start over again.”

“Leaving enough of an inheritance for someone to do something, but not to do nothing.”

“With more money comes more headaches.”

“You will have to spend as much time keeping the money as you did creating it.”

“You will not get rich working for someone else.”

“Owning things is not as wonderful as people think. The real symbol of power is how much control you have over these things. From a tax and estate perspective, owning things is quite a burden.”

“You don’t own things. The things own you.”

“Hold your friends close, and your enemies closer.”

Running a business or inheriting a large sum of money is a lifestyle. It is not just how much you can spend and what image to uphold, it is also how you can preserve your wealth, what legacy you will leave behind, who you will trust and how to make sure you are not a target of thieves, mostly from people closest to you. People are affected by large inheritances not just by what happens internally to them, but how other people perceive them. Evidence of this comes from big lottery winners. If you are not ready for a large lottery win, the typical outcomes are greed followed by bankruptcy, alienation due to jealousy, a total reinvention of one’s lifestyle and relationships, or perhaps a giant ego trip. Like most things, you need to be prepared to know what to do when a large asset arrives.

To Whom Do You Leave Your Estate?

Do you want to bypass family altogether and leave things to friends, charities, institutions etc.? There is a money and tax component to this decision, but the real driver would be: What is the purpose of including such and such a person or organization in my estate? There is typically something personal or special that is behind this type of decision. If someone is not inheriting something, why would that be? The consequences of both of these decisions will have lasting effects. Keeping things fair and justifying your decision will likely be the key to keeping your soul at rest when the time comes. Visualizing who will actually manage the assets and for what purpose may be helpful in determining how to lay out the estate.

Do you want to:
Learn how the world of money really works without the need of a time consuming or expensive course of study?
Discuss what you want to achieve according to your horizon?
Restructure your finances to achieve your goals?
Advice that is not affiliated with any institution or any product – an independent opinion?

How To Start A Used Car Dealer Lot From Advertising To Where You Can Find Used Cars For Your Lot

When planning to start a used car dealer lot there are a few steps to being ready when the inspector checks your proposed place of business. Besides the location you will find information on advertising and places you can look for cars for your proposed new business.

The first and most important part is to have a location to place your vehicles. Check your local zoning department for more information on using the land for a used car dealer lot.

Now that you have your location time to prepare for filing for a vendor license with your local State Ohio. You can do this step by visiting your clerk of courts office or go online to the Ohio Business Gateway website. This is all you need to pay your sales tax in the future and this vendor license proves you are a business licensed in the State of Ohio. If you are a limited liability company you will need to file your trade name with the Federal Government site.

Planning to start a used car dealer lot requires you to have a building at least 180 square feet and a lot that will hold at least 10 used cars and this is not counting driveway space. The lot must be gravel or a hard top with no grass or mud. Your office must provide heat. The office will be required to contain 3 chairs and at least 1 file cabinet. You must get your application and fill it out.

Before anyone in Ohio can be issued a used car dealers license they must take a used car dealers course in Ohio.

Get an application for your used car dealer license and it will have all the requirements on it. Just follow the steps and do what the application is asking and if you meet all the requirements you should have no problem.

How to find cars to sell on your lot is easy. Just search online for car auctions in your area. You could even find cars while driving down the road or online.

Now you can start advertising your used car lot. A website is a great way to advertise your lot. Build your own website by doing a search online for a website host. Your business sign and cards are other ways to get noticed.

You can also sell cars using online ads the same way you posted a car for sale in past.

Benefits of Solar Electric Power

It seems as though everywhere one looks, there is something being said about alternate energy sources. Be it fossil fuels, geothermal, wind energy, hydroelectric or solar energy, many homeowners are looking for ways to get more at a better rate. In fact, there is such an interest in finding a better energy option, that the solar market has increased in the US by 76% since 2012.

Perhaps one of the most commonly used forms of alternate energy is solar electric power. It has been used for decades in countries all around the globe and is effective at helping home and business owners lower their monthly energy costs – not to mention make them less reliant on area utility companies.

8 Reasons to Swap to Solar Electric Energy
If you are considering making the swap to solar electric energy, then here are some reasons you will want to do so:

    1. Solar electric energy, contrary to what some might think, actually helps create jobs. In fact, the industry creates up to 3x more jobs than the coal or natural gas.
    2. Independence from the power company. Once you have solar panels installed on your roof, you basically have an independent source of electricity and are not dependent on another entity.
    3. Since you are not reliant on the power company, and you can count on the sun to rise and set each day, then you can be certain to always have an energy source. Consider this, 3,000 terawatts of solar energy shine down on the Earth’s surface every day, which is 10,000 times the daily global energy use.
    4. While the initial investment for solar electric energy can be a bit pricey, in the long run it can save you thousands of dollars. According to one study, it was found that homeowners who swapped to solar electric energy families saved more than $100 per month.
    5. Solar energy does not require fuel combustion nor do you need to be concerned about gaseous emissions, thus minimizing your family’s carbon footprint.
  1. Because solar panels are installed on the rooftop, you are not losing any real estate in your yard or trying to figure out where in your home they can be placed.
  2. They will last for up to 25 years and require minimal maintenance. After 25 years, the industry guarantees 80% performances.
  3. There are a number of tax incentives available to homeowners who make the swap to renewable energy sources.

Swapping to solar electric energy is easier than ever before. If you are looking for a way to reduce your carbon footprint and save money while maintaining the needs of your family’s energy source, then talk to a local sustainable energy provider to get started.

The Importance of Including a Charity in Your Estate Planning

Estate planning is one of the wisest undertakings you can ever do with the things you own. Forbes cites real-life consequences to not having an estate plan in place. Planning for your estate and setting all your wishes in clear and organized order through the creation of a will is a matter best done early in life. It is when your mental faculties are in prime condition. This ensures that the time and efforts you’ve invested in creating and providing stability for you and your loved ones remain intact and profitable long after you’re gone.

In making a will, it is important to include charity in your appointed bequests. Doing this puts you, your estate, and your beneficiaries at an advantage.

Longer Life And Better Health

The Journal of Economic Psychology published a 2015 research on charitable giving. It reports that charitable giving improves the giver’s physical and emotional wellbeing. When you include charity in your will, you personally benefit. You live longer and you fare better. You get satisfaction from knowing that your efforts help improve the lives of not just your loved ones and yourself, but of so many other people as well. It validates all the hard work you’ve been putting in. With a more positive outlook gained, it’s hard to think what else can beat the immediate profit of improved health and life expectancy.

Tax Credits

Tax credits for donations given to charities different depending on where you live. Donors automatically get tax breaks for charitable bequests extended to charities. For example, bequests willed to registered Canadian charities can grant tax credits of up to 100% of the donor’s income. The credit may apply not only in the year of his death but the preceding year as well. CTF provides a published report of Canada’s Standing Committee on Finance (and more) for further insight.

A wise investor takes advantage of provisions like this. Investing a part of your estate into a charity can reduce inheritance taxes down to a significant rate. Taxable amounts on the estate exclude any values set aside for charitable giving. That immediately cuts down estate taxes due. Additionally, charitable giving entitles you to tax credits. This will further reduce the amount of tax payable on the estate. With taxes reduced, you get to preserve more of your estate. Strategize so you can reach the best tax rate per amount of donation. You may best achieve this by consulting with an estate planner.

The Need for Precision

Avoid legal problems by ensuring that your charitable bequests are precisely named. Identify using business features that remain the same throughout their existence. You may use business ID numbers and company ID numbers for better identification. Let details remain current. Updated name changes may invalidate your donation.

Consider naming a Charity in your Estate planning. It will not only benefit the charity and build a stronger community, you will also benefit.

Beneficial Tips To Use As You Purchase Your Next Auto

Everyone loves a new car, but almost no one enjoys shopping for one. Knowledge makes it more enjoyable, though. Going through the tips here is a great place to begin. Don’t let a salesperson talk you into buying a vehicle you can’t afford. Many people get hoodwinked into buying a sports car because salespeople say the person looks good in it. Remember, the salesperson is after a commission.

Make sure you do some research on a dealer prior to making an offer. If you are familiar with their financing choices and trade-in policy in advance, you will negotiate from a stronger position. Also, knowing about the customer reviews will assist you in avoiding getting scammed. Never pay full price for a car. This number is not an accurate reflection of what each dealer believes it can get from you. Bring a friend that is a good negotiator if that is not your strong point. Have a ballpark figure in mind before you go.

Test the merchandise before you buy. This will give you a feel of how good the car drives. It’s possible that the vehicle has some defect or issue that might affect the way it handles on the road. When you are looking for a car to purchase, make sure that any vehicle you consider is equipped with the latest safety features. The brakes and suspension are two things to take into account when car shopping. Check for air bags too, in the event of an accident. Safety is important since you will be in this vehicle a lot. Bring someone with you when you are shopping for a car. Have a friend or family member go with you to assist in asking the important questions and negotiating a price. Brief your companion on your vehicle needs and how much you have available to spend.

Put the Internet to work for you. There is a wide variety of cars and car information available online. Find out all you are able to about the cars you are interested in before you go and look at them. By researching online, you can find specs, gas mileage data, resell value, ratings and almost any other information that you desire. Few things are as exciting and overwhelming as the process of trying to find a new vehicle. The Internet is often your best friend in this situation. You can look up a variety of vehicles and compare prices right from your home. Many online sites offer side-by-side comparisons and other features to guide you through the selection process. This will help you to figure out what cars you should actually go out and visit a dealership to test drive.

Be cautious about giving out your social security number. It is common for car dealers to ask for this right away and use it to pull your credit. If you do not purchase a vehicle at this dealership, then your chances of obtaining the best deal at another dealership can be damaged because the credit run will be shown. Make sure the deal is ready before you start spouting out your Social. Most people would agree that buying a car is not their favorite activity. Actually, with preparation and the right mindset, you can shop for a car, truck or SUV with relatively little stress.

The Simple Guide to Extending Your Home

We are all well aware of the reasons as to why many individuals consider extending their home. This choice may be instead of moving or just a decision made in isolation of any other alternatives. There are many reasons as to why extensions make more economic sense in comparison to moving. The costs attributed to this process can include stamp duty, legal fees and other associated fees and costings. This is all money simply lost in the process. When calculations of such costs are made there is often a clear alternative to avoid these and to still gain the extra living space needed. Where do you start?

A good starting point is the consideration that you want to make sure that whatever you build offers a return on your investment. While it may simply be that you family are out growing the space, it is always sensible to ensure that the space you are adding offers a return. What else should you consider?

It is good to always think practically. If you are adding more bedrooms to your property, then you should also consider additional bathrooms. If you are planning a double-storey extension, then you also need to consider access to the additional space upstairs. Are you increasing the size of your property so much that you should also consider additional parking? These are all elements that will need to be carefully thought out prior to requesting planning.

The cost of your extension is going to increase as the size does. There are guidelines on the average cost per/m2. These may range between £1000 to £2000, depending on the preparatory work required and standard of finish. The higher the standard of specification, the more you will pay. It is also important to remember that if you are considering a double-storey extension it will not cost that much more per square meter. Why is this? The cost of the foundations and roof are required whatever for a single-storey extension. Adding another storey means the addition of walls and floor joists but a proportion of the additional costs can already be attributed to those already agreed for a single-storey project.

Planning permissions may not always be needed for your extension project. However, it is always prudent to seek advice in relation to this. You may feel that your plans fit under the permitted development rights umbrella, but it is important at this stage not to make assumptions. It may delay the process slightly but the peace of mind that you will get from going through the correct channels is well worth it. There may be individual stipulations on your property or neighboring properties that you are not aware of.

Further down the line you also need support with meeting building regulations. These form a separate process to planning permissions and are required for building projects. These rules, put simply, have been formally agreed to ensure that minimum design and construction standards are met. Local authority representatives will visit the property regularly to ensure that the work completed meets these standards.

Rest assured that your chosen builder will be in a position to help and support you through each stage of the preparatory work and beyond. Time invested in finding a reputable local builder will pay dividends as much of the worry will be taken away. This guide has been put together to provide a starting point for your building project. There are many elements to consider, however, a well-informed approach is always advisable and will inevitably produce a better standard of finish.

The Process of Car Repossession – Understand It So It Doesn’t Happen to You

In a perfect world, things would always go as they should.

Sometimes that’s just not the case.

If you’ve found yourself in a bind or on the verge of falling behind on your payments. The best thing to do is contact your credit card, mortgage or auto loan companies and explain your situation.

Take action

If you have a car loan, you understand the importance of paying your loan on time. If you cannot make your payments on the exact due date.

You are granted a 30-day grace period to make a payment without having this late reported to the credit bureaus.

If you don’t think you’ll be able to make a payment before the 30-day grace period ends or foresee yourself being in a bind that will last longer than 30 days, there is something you should know.

Ignoring calls from your creditor is the wrong route to go.

*While you may feel embarrassed or reluctant to contact your creditor, you are not alone. Thousands of people fall behind on their payments due to financial hardships. The person on the other end of the phone is trained to handle these types of calls and will be more than willing to help you the best way they can.

What should you do?

Most car loans have a stipulation that allows you to defer your payments for a short amount of time while you get your finances situated. Other options besides deferment might be offered such as lower payments until you can make the full payment.

Your options will depend on your specific car loan and terms agreed upon at the time of sale.

If you are currently in good standing:

Call your creditor and explain that you’ve had some setbacks and ask about your options to defer your loan payment until you can make payments. This will usually give you about 2 months to catch up.

If you are currently not in good standing(late beyond 30 days):

Call your creditor back and explain that you’ve had some setbacks and would like to make a plan to catch up on your payments or defer a future payment. Ask about your options to defer your loan payment until you can make a payment. You will usually be asked to make your account at least current up to 30 days before a deferral can be granted.

How will this help you?

Car repossession doesn’t end well for anyone. Not you and certainly not your creditor. Once a car is repossessed, it is usually sold at an auction for a fraction of the cost. This is a lose-lose situation for everyone.

While your loan is in deferment you will not be reported late to the credit bureau as you have made an agreement with the company to pay at a later date.

The downside to this, of course, is that your loan agreement will be extended and you will end up paying more interest in the long run. This is, however, a better alternative to having your vehicle taken.

When can your car be repossessed?

It all depends on the specific car loan you have in place. You are usually considered in default of your loan agreement as soon as you miss a payment.

With that being said, you are granted a 30-day grace period. Some states allow cars to be repossessed after one missed payment. The longer you take to make your payment is one step closer to having your car taken and a serious ding on your credit report.

A repossession will remain on your credit for up to 7 years and hurt your chances of obtaining other car loans in the near future. Even after a repossession, you may still owe the difference between what you owed your lender and what your car was sold for. This is called a deficiency balance. A deficiency balance is usually the norm especially if you purchased a newer vehicle.

Please note that these options are for those experiencing temporary hardships. It is not recommended for long-term foreseeable situations.

Benefits of Polishing and Waxing Your Car

Whether you have owned a car for many years or just bought a new model, it is practical to put in place a proper maintenance schedule. There are many things to consider in the process of maintenance. It is essential to keep on top of the mechanical maintenance to ensure the vehicle is kept running. However, you also want to invest time on the general appearance inside and out. Keeping the vehicle in top condition relies on a variety of methods such as washing, polishing and waxing.

Let’s take a look at the benefits of polishing and waxing your vehicle:

Polishing

A proper polishing session is a wonderful way to restore the paint. Polishing is practical for correcting a variety of issues, such as problems related to etching, water spots, swirl marks, scratches and stone chips. Applying polish to improve the appearance is only practical if the chips or scratches are surface marks. If the vehicle has deep penetrating marks, the process of applying polish on its own isn’t enough to restore the original look.

Once the polishing is complete, the vehicle will have a nice protective layer that lasts for quite a while. There will be fewer issues with dirt and grime because a clean, smooth surface is more difficult to stick to. This should mean it is a lot easier to keep the vehicle clean in the future.

Also, the polishing process should only take place when it is actually needed. It can include certain degrees of roughness which is needed to remove the minor signs of damage. If a vehicle is polished too often, there is a risk of compromising the all-round quality of the paint.

Waxing

Out of the two options, waxing is the least harsh cleaning method because it does not feature abrasive compounds that can impact the paint overtime. But, it is still useful to provide a great protective layer on the paint to minimize issues with scratches, chips, or general contaminants in the air. Plus, a regular waxing session is certain to leave the vehicle looking sparkling clean and makes the basic process of washing significantly easier. Even though waxing is a practical choice to minimize the surface marks and scratches, it isn’t a reliable option to restore the paint like a high-quality polish. Also, it is necessary to use the waxing method more often than polishing to help maintain the all-round appearance of the vehicle.

Plan for the Most Lively and Functional Living Room Ambiance

Family members assemble for conversation, work, and TV in the living room. Parties and official occasions bring diverse people together. A cozy and elegant interior is to be aimed for. Begin designing the different elements. The intention is to create a relaxed mood that permits mutual give and take while allowing somebody to work if they wish to.

An office table at a corner could facilitate work with the necessary communication and electronic equipment. Some living rooms have a quiet meditation corner to remind of the need for tranquility.

Color Combinations, blends, and contrasts

A neutral backdrop should work very well as a canvas that reveals infinite vistas. Textured wall tiles create wonders. White, tan and gray would go very well with a contrasting bright color like orange.

A set of sparse furniture

Avoid congestion with excessive furniture that prevents ease of movement. Refined items work well in small living rooms. Bigger spaces could accommodate a lavish sofa or two in the center rather than along the wall. An intimate scene for sweet talk is thus created. Carpets define spaces well and make divisions on the floor.

An attractive floor

A pretty and useful floor would be just fine! Glazed vitrified tiles are very durable and non-porous, made of clay, feldspar, and quartz. They will shine on and on, besides resisting stains and scratches. Choose from many designs, some imitating marble or wood.

The Lighting fantasy

Design environments through lighting tricks. Use layers of lighting and install several sources that tally with one another. Living rooms could use a combination of table and floor lighting while accent lights would focus on artwork and walls, mantels or bookcases. A fairy tale effect is quite possible with soft, intimate lighting in amber shades like in shop interiors.

Dreamy Curtains

A lavish scene is created through the clever use of curtains. They could drape the windows and walls, descending to the floor for dramatic impact. Avoid little curtains that make the room appear rather small. Besides, change curtains according to the time of the year or as family members wish.

Printed or glowing curtains, flowers or a decorated darkness, so many options are available. Bright colors like red and yellow to create a zesty surrounding and promote excitement through a play of light with the shades. Make sure that enough natural light enters the room and avoid dark ambiances, particularly during the day.

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