Financial Mistakes Business Owners Make and How to Avoid Them

Cash is the lifeblood of a business. No business owner wants to see their business struggling because of lack of funds or in debt due to mismanaged finances. What they want to see is a regular flow of profit but this is easier said than done.

With many years of experience as chartered accountants and business experts, we’ve seen many financial mistakes that business owners make. Here are some of the most common mistakes and how to avoid them:

Not having a business plan including clear financial goals

Business planning is very important. If you want to be successful in your business, you need a roadmap. It is also important to set clear goals and targets. In particular, you need to have financial goals that will help you measure how well your business is doing. Furthermore, your financial goal should be clear and realistic. Goals should be phased – weekly, monthly, quarterly or yearly. You also need to involve your whole organisation in your business strategy. Give your team goals to aim for.

With these plans and goals in place, you will have a clear view of how your business is performing which will eventually help you make important financial and growth-management decisions.

Not keeping proper financial records

This is one of the most common mistakes of business owners and also the most crucial. Most business owners are so busy focusing on managing their business that they neglect the importance of financial record keeping. If you don’t have time to update your financial records, hire an expert to do it for you, such as a Chartered Accountant. They can set you up with proper systems and help process your transactions accurately.

Combining business capital and personal finances

Some business owners, especially those who are struggling with their business capital or finances tend to merge their personal savings with the business. Business owners should avoid doing this, as it will only make it more difficult to track how much money the business is making. Also, it complicates IRD and tax obligations.

Starting too big

Starting a business can be overwhelming. You put everything in that you have before you actually start. You may rent an office or other space and hire employees thinking about the future. You want to start big. But you have to understand that starting big doesn’t necessarily ensure your future success. It may put undue pressure on you and your business. The best thing to do is to start small and once your business becomes financially stable, you may then consider expanding. Make sure that your expansion can be justified by your profits.

Not having an expert to assist you with your finances

Accounting, bookkeeping and tax compliance – these are just some of the financial responsibilities that you need to take care of when you start a business. These are critical and timely business processes. But some business owners are so busy managing their business that they often neglect these. You don’t have to stress yourself in thinking and doing everything. You can hire experts to do it for you.

Some business owners are hesitant to hire experts to do these things for them and only realise they need help when it is too late. So hire a trusted Chartered Accountant to help you with your finances so you can focus on your business, as well as having more time to relax.

These are just some of the common financial mistakes that business owners make. Make sure to avoid these financial horrors to ensure the success of your venture.

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How to Make Social Media an Asset for Your Network Marketing Business

With many different social media platforms to choose from, your head may be spinning and you could be confused about which ones to use and why you would use them. In this article, we are going to talk about how to make social media an asset for your network marketing business.

Network marketing is very much a business of influence and emotion. If people don’t feel like working with you or they don’t feel like buying from you then they won’t. There are plenty of other people they can find your product and service through and that is why you want to use social as an asset to get in front of more people and help them choose you.

Building Know, Like & Trust

If people feel like they know, like and trust you because they have been following you on social, they are much more likely to buy from you than someone they just met. Social media can be used to share inspiring messages, family photos, dreams, and goals. Share these things with people and you they will be more likely to do business with you. This is one of the ways to make social an asset for your business.

Getting In Front of More Eyeballs

Social media helps you get in front of more people. Having a consistent social presence will help you leverage this virtual real estate to share your message with people. Instead of having to run around all over the place in your car, you can find people through social media and generate sales and new team members online.

It is very simple to be able to build social media into an asset but you have to be consistent. You at least want to post once a day so that you can stay top of mind with your audience.

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Best Tips to Avoid Squandering Your Inheritance

When you receive an inheritance, it is important to figure out what will you do with that money. If you do not plan properly on how to spend that money, it will slip out of your hand within no time. If you have already got the cash, or you are about to inherit the money, here are some five tips for using it properly.

Don’t Rush Your Decision

People generally do not allow the money for a cooling-off period, after receiving the cash. This is one of the worst mistakes that people usually do. They are always in a hurry of spending the money without thinking twice. You can save the money either in a money market account or savings for at least two months in order to plan your options. You can also put the money into a short-term deposit for saving it, because you have to pay penalty if you withdraw it before time.

Assess Where You Are

If you analyse your present financial situation, you can get an idea about your future move. You can plan to start a college fund for your children, add the money to your retirement savings or keep it as an emergency fund. Make a goal in life, so that you can achieve it with the help of your inheritance.

Be Realistic About Your Inheritance

A sudden chunk of money will you lead to towards a changed lifestyle. The things like a new car or a luxury vacation that you could not afford before will now seem to be very tempting. You have to be careful to control your temptation and save your money for future needs.

Establish Boundaries

It is evident that when you receive an inheritance, many people come with a try to have a share in the money. Bank or financial sales people may call you so that you invest your money in their products. You may also be asked to make a huge donation by any charitable organisation. So, it is very important to set boundaries and prepare yourself for saying no to the people.

Be Proactive

You may need some professional help to figure out how to save your inheritance. It is absolutely fine to hire a financial advisor, but do not make your decision solely as per his guidance. In the end, it will be you who will take the final decision. Do some research and set your goals before taking professional’s help.

Thus, though an inheritance is like a blessing to you, but along with it comes responsibility. Plan properly to make sure that your money lasts for a longer time.

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Fulfilment by Amazon and How It Helps Explode Your Business Profits

In this modern society where almost everything is digital, it is hard to believe that there are still those who prefer traditional methods, such as in the field of advertising.

Online advertising has been a hit in the last decade. Internet marketing has taken over businesses by storm and doubled their revenue. However, some people still see the field as unnecessary and taxing so they try to convince others to veer away. Below are other reasons why some individuals dislike online marketing:

Inability to adapt with technology
A person may refuse the method because they may not be technology savvy. They are afraid that technology is hard to monitor or manipulate so they choose to stay manual.

Mastery of craft
A lot of traditional people spent years perfecting their craft, so they believe that their capabilities are sufficient. Online marketing is a threat to physical advertising because it minimizes the need for logistics, hence the repulsion.

Less Jobs
Some people think that digital work reduces employment opportunities due to computers replacing manual labor. Only a handful of people are necessary to make internet marketing work.

Information Breach
Putting everything on the internet is a risk for hacking or information leakage that’s why many are skeptical about it. Online marketing requires a substantial amount of data that can be easily stolen or erased.

Lack of Equipment
Many marketers don’t have reliable internet or computers to handle critical work. Manual advertising is easier to delegate and segregate, so smaller businesses prefer it.

Lack of Empathy
Advertisers believe that online marketing is not good for client relations because it promotes a more detached form of communication and a robotic response. Manual advertising is more personal so it is easier to convince people.

Lack of Authenticity
Marketers are wary of online advertising because people nowadays are harder to convince, especially in terms of the authenticity of a product. Since everything can be manipulated or edited, they would have to work more to attract clients.

Population of Non-internet users
A big percent of the population is still manual so it is impractical to promote online marketing in these areas. Online commercials only work with regular exposure but if the audience only uses the internet a few times then it is a wasted effort. Manual advertising is beneficial when people are more inclined to support physical efforts or are part of a community network.

Promotes Mediocrity
Senior marketers believe that online marketing encourages laziness in the younger advertisers because most materials can be recycled, edited or rehashed. Marketing is a skill developed from experience and virtual training may not be enough to develop and create a better breed of advertisers.

Technology is a waste
People believe that using gadgets and computers are harmful to the health of workers so they don’t encourage the employment related to such. Manual advertising promotes brain functions through practice and personal relationships development. It is important for some people to backlog technology to help the environment.

Despite the many reasons why people may talk you out of online marketing, it is still undeniable that this form of marketing has a lot of potential. Learn how you can maximize the web when it comes to marketing your products and services, so you can expand your reach.

John Richards has many years of experience creating and developing books, eBooks, manuals, and videos, on a variety of subjects, including online wealth, pet care, Internet marketing, direct mail, health and wellness, and CD/DVD distribution service. John’s website provides ideas and practical advice for people who want to enjoy the rewards of earning an income from home using simple websites.

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Smart Leadership in the 21st Century

Although we may claim that the world has gravitates from authoritarian rulership and that most countries in the world operate under a democratic ambience, but in certain parts of the world and over certain organisations preside some leaders who still lord over their followers without giving them a say at all in the affairs.

Every nation and society has its own leader, but what distinguishes the smart leaders in the world today from the bosses and the not-so-smart leaders? Consider the following traits.

The first trait of the smart leader in the 21st Century is that the leader has to EVOLVE. He should keep up with the times, with the latest techniques and updated information. Knowledge is power and the knowledgeable leader is not one that can be easily deceived or pushed about. The societies that use the most advanced methods in everyday life are the ones that lead the pack in today’s world.

In addition, the SMART leader is:

S- Simple/Straightforward: The good leader has to mean what he says, and say what he means. He must not be deceitful. His followers must be able to trust him and take his word for it in every circumstance. What he does not intend to do, he should determine not to say it. Also, the smart leader in this century must be a man of simple ways, words and lifestyle.
Gone are the days when leaders were marked by 100-foot billowy robes, with twenty servants carrying the clothes from behind. This can be tolerated from a bride in a wedding ceremony, but not from the world-class 21st Century leader. He should not live a complicated lifestyle or be unnecessarily extravagant. Simplicity does it these days.

M- Malleable: As mentioned earlier, the smart leader must be malleable, not rigid. He must be able to bend his views when it is necessary. He should be able to lower his standards when it is necessary.
Compromising your views at certain times is not a trait of the weak, but that of the intelligent. He should not insist on the status quo, or cling to ideas just because “that’s the norm here!” The norm is usually dumb. He must have a teachable heart that can learn new information at every opportunity. He must be malleable enough to learn from both young and old, rich and poor, male and female-anybody.

A- Accountable: Aha! Did the smart leader expect I won’t add this? It is inescapable for the smart leader to be accountable for all the human and other resources committed to his care. He must not be corrupt. Every penny in his administration must be accounted for. He must guard his citizens and his domain with the same intensity as well.

R- Resourceful: The leader must also be one with a limitless river of ideas constantly flowing for the betterment of his organisation. He must be very creative and actually SMART. As in, really intelligent. If a dumb leader is put over a domain, he will mismanage and diminish it. The leader must be able to multiply the little he has been committed with, and multiply it. He must commit to being constantly trained in order to further equip his intellectual arsenal.

T- Technology Literate: Finally, in this Internet Age, many wars are won or lost on social media. The smart leader in the 21st Century must be one who is very much versed in at least some high-tech devices. He must not be an illiterate with the computer or with the internet. He must make it a point of duty to learn the use of one new technological gadget every six months. That will set him apart and make him the man/woman to beat by the other leaders. He will find out pretty soon that he is a trail blazer in leadership. It does not matter whether he is presiding over a family or over an entire nation, such person will be a trail blazer.

Emmanuel Sokefun is a freelance article writer, in addition to being a novelist, poet, hymnist, songwriter and a lover of the academia.

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Boosting Your Brain Power

The old theory that DNA could not be changed and that you would be stuck with what you were born with has now been disproved. Researchers found that your DNA actually changes continuously based on your experiences, emotions, and environment.

Our views of the brain have also altered in a similar way as our views of DNA. Science has now provided more and more evidence that your brain is malleable and adapts continuously in response to your lifestyle, physiology, and environment. This concept is called neuroplasticity or brain plasticity, meaning you are literally reforming your brain with each passing day. Your brain possesses the remarkable ability to reorganize pathways, create new connections, as well as neurons (nerve cells) throughout your entire lifetime.

For example, your brain has the ability to move functions from a damaged area to undamaged areas. It also has the ability to change its physical structure as a result of learning. When you acquire a new skill, the more you focus and practice it, the better you become. This is the result of new neural pathways that form in response to your learning efforts.

In the meantime, your brain also undergoes “synaptic pruning”, the elimination of pathways that you no longer use. This phenomenon even applies to emotional states. For instance, if you have a history of anxiety, your neural pathways will become wired for anxiety. However, if you develop tools to feel calm, relaxed, and peaceful, those anxiety pathways will be pruned away from lack of activity.

Consequently, you can see that your brain’s plasticity is highly affected by your way of life. The foods you eat, how much physical activity you have, your emotional states, and sleep patterns all have an influence over how your brain functions. Therefore, there is much that you can do to preserve or even boost your brain power. The following are key factors that will greatly affect your brain’s performance:

1. Link Between Gut Inflammation And Brain Inflammation

The fundamental mechanism that underlies chronic diseases, including the ones related to the brain like autism, Alzheimer’s, anxiety, depression, multiple sclerosis, and Parkinson’s, is the process of inflammation. Current science is strongly supporting that this process of inflammation actually begins in the gastrointestinal tract, which subsequently spreads to affect the brain.

What are the instigators behind gut inflammation? To the surprise of many, it is predominantly dietary –

The mistake of eating too many carbs resulting in chronic high blood sugar levels. Blood sugar elevation raises the binding of glucose to protein. This process, known as glycation profoundly increases the amount of inflammation in the body.
Opting for a low-fat diet, eating the wrong types of processed, rancid fats, or too few healthy fats.
Insufficient intake of antioxidants, which are mostly found in fruits, vegetables, and herbs.
Consuming too much foods loaded with irritants and toxins, such as chemicals, preservatives, pesticides, GMOs, and heavy metals.
Having undiagnosed sensitivity to gluten (a protein found in wheat, rye, and barley) and other foods such as dairy, eggs, and corn.
Candida yeast overgrowth, small intestinal bacterial overgrowth (SIBO), and intestinal parasites all trigger the immune response and lead to gut inflammation.
Inflammation is the body’s natural defense against something it believes to be potentially harmful. For instance, if you sprain your ankle, the body will sense some kind of stress going on. The natural response is to create swelling and pain to reduce movement and promote healing. These are the hallmarks of the inflammatory process; in small doses, it is not a negative thing.

It only turns bad when inflammation gets out of control and becomes chronic. Chronic inflammation is typically low-grade, silent, and produce no symptoms. When the body is constantly under assault, the inflammation response stays on and it spreads to every part of the body through the bloodstream. The brain is particularly susceptible as it is also connected to the gut via the vagus nerve.

Unchecked inflammation results in the production of a variety of inflammatory chemicals called cytokines which are toxic to the cells. The cytokines travel throughout the body causing oxidative stress, leading to a reduction of cellular function and even cellular destruction, and resulting in actual loss of function in the body. Studies using new imaging technology showed dramatic elevation of inflammatory cytokines in the brains of Alzheimer’s patients and individuals with other brain disorders. Hence, to prevent brain inflammation, the foremost is to maintain a healthy gut.

2. Foods That Feed The Gut And The Brain

The reason why inflammation is so rampant in western civilization is the modern diet. It is high in foods that provoke inflammation, such as refined flour, excess sugar, oxidized or rancid fats, trans fats, plus a wide range of chemicals and preservatives. And it is low in foods that reduce inflammation, like long-chain omega-3 fats, fermented foods, and fermentable fiber.

The following are some foods that are particularly beneficial to the gut and the brain:

Avocados
Beets
Blueberries
Bone broth (used for healing the gut lining damaged by inflammation)
Broccoli
Coconut oil (used as an alternative fuel for the brain, other than glucose)
Celery
Chocolate, dark only
Egg Yolks
Fermented foods (rich in beneficial bacteria to keep the gut healthy, e.g. kimchee, sauerkraut, pickled vegetables, yogurt, and fermented drinks like kefir and kombucha)
Fermentable fiber (used as food for the good gut bacteria, e.g. asparagus, artichokes, garlic, jicama leeks, and onions)
Olive oil, extra virgin
Green, leafy vegetables
Rosemary (anti-inflammatory)
Wild caught Alaskan salmon
Sardines
Turmeric (anti-inflammatory)
3. Exercise To Reduce Inflammation

While bouts of exercise tend to promote acute inflammation, when done regularly over the long term, it actually decreases chronic inflammation. The oxidative stress from the exercise forces your body to build up your antioxidant defenses. This is indicated in studies showing extended exercise programs help reduce inflammatory markers, such as insulin resistance (a risk factor for diabetes) and high sensitivity C-Reactive Protein (an indicator of cardiovascular disease).

However, some people tend to over exercise and it is extremely important to allow for sufficient recovery, especially when doing High Intensity Interval Training (repeated sprints interspersed by recovery). If you over-train, as in marathons, you may do more harm than good since your body needs to recuperate from the damage (acute inflammation) incurred during your workout.

The average American adult spends about 10 hours each day sitting. Research shows that this level of inactivity cannot even be counteracted with a 60-minute workout at the end of each day. So, what do you do if you have a desk job?

Know that the body needs near-continuous movement throughout the day. At the bare minimum, you should get out of the chair every 50 minutes or so and walk around.
One way to increase activity is to simply walk more. It is recommended that you aim for 7,000 to 10,000 steps a day. A fitness tracker will be a useful tool to help you meet your daily goal.
4. Lack Of Sleep Impairs Brain Function

Sleep deprivation is really bad for brain function. Many studies show that sleep loss impairs various cognitive functions and behavior, including arousal, attention, cognitive speed, memory, emotional intelligence, and decision making.

Using brain imaging technology, like functional magnetic resonance imaging (fMRI), scientists compared the brain of someone who was sleep-deprived to the brain of someone who had slept normally. They found reduced metabolism and blood flow in multiple brain regions which indicated impaired cognitive function and behavior.

Several nights of poor sleep or one night of no sleep will start to disrupt your hormonal balance. According to a study from Stanford University, your body’s ghrelin levels, which stimulate feelings of hunger, can jump nearly 15 percent. It also lowers your levels of leptin, a hormone that regulates energy balance, which explains why you tend to feel sluggish when you are sleep-deprived.

Your brain also struggles to curate and sort new memories. You are able to absorb new information but your brain has problems accessing that information and putting it to good use. You may feel distracted, while your reaction time plummets. This makes tasks like driving more difficult and dangerous.

A CDC survey shows that half of Americans (48%) do not get enough sleep. So if you want your brain to stay at tip-top shape, you need to place sleep high on your priority list. In the event that you just cannot get enough nocturnal sleep, a 30-minute nap at lunch time is still helpful although it cannot fully eliminate the negative consequences of sleep deprivation.

5. Vitamin D May Save Your Brain

Much has been learned about the health benefits of vitamin D over the past decade. While it has long been recognized that vitamin D supports strong and healthy bones, its role in brain-related disorders is becoming increasingly evident.

A new study that collaborated multiple highly respected institutions around the world found a profound correlation of low vitamin D level and increased risk of developing dementia. Even having a moderate deficiency of vitamin D was associated with a 53% increased risk of dementia. Those who were severely deficient had a 122% increased risk!

Many people are not aware that vitamin D deficiency is associated with increased inflammation. There are about 30,000 genes in the body, and vitamin D affects nearly 3,000 of them. Your brain has vitamin D receptors too. Therefore, unless you get 20 minutes of sun exposure daily (without using sunscreen on face, arms, and legs), you may want to consider supplementation.

Most people need around 5,000 I.U. a day to reach the optimal level of 50-70 ng/ml as determined by a blood test. If you supplement, opt for vitamin D3, which is the natural form, and take it with vitamin K2, with at least 100 mcg of menaquinone-7 (MK-7). The combination of D3 and K2 will make sure that calcium is deposited in the bones instead of the arteries.

6. Think Positive And Stimulate Your Brain

Stress and anxiety kill existing brain neurons and stop new neurons from being created. Research has shown that positive thinking speeds up the formation of cells and dramatically reduces stress and anxiety. Hence, catch yourself when your negative thoughts surface, discard them, and replace them with positive ones.

When you learn or do new things, new neural pathways are developed. As a result, you want to stimulate your brain on a continuous basis. Remember the phrase – use it or lose it?

Carol Chuang is a Certified Nutrition Specialist and a Metabolic Typing Advisor. She has a Masters degree in Nutrition and is the founder of CC Health Counseling, LLC. Her passion in life is to stay healthy and to help others become healthy. She believes that a key ingredient to optimal health is to eat a diet that is right for one’s specific body type. Eating organic or eating healthy is not enough to guarantee good health. The truth is that there is no one diet that is right for everyone. Our metabolisms are different, so should our diets. Carol specializes in Metabolic Typing, helping her clients find the right diet for their Metabolic Type.

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Let Your Car Breathe Freely With Routine Air Filter Replacement

In a similar way to living creatures, vehicles also need to be able to freely “breathe” clean air. Of course cars do not have lungs, so when we say “breathe”, what we really mean is “filter air.” Your vehicle’s cabin air filters should be inspected and serviced on a routine basis to ensure perfectly clean and unobstructed “breathing.” For permanent filters, a professional car mechanic will clean them, dry them, and replace them as needed. For disposable ones. A simple inspection and replacement is all it takes! Continue reading to learn more about the importance of clean automotive air filters.

Defense Against Airborne Contaminants

Your vehicle’s air filters play an important role in terms of interior cabin air quality and comfort. But it also plays a significant role in how your vehicle operates. Clogged or defective filters can cause a decrease in engine performance and capacity, as well as, lose their ability to protect you against harmful airborne contaminants. You see, dirt, oil, and other harmful contaminants are trapped in air filters, and after sometime, they accumulate to mass amounts, causing the filters to lose their value. And when the filters become too saturated, they cannot trap anymore contaminants. As a result, these contaminants enter the engine and damage pistons, piston rings and bearings, cylinders, cylinder walls, and more. This causes the engine to then lose power. For fuel injected cars, air filters protect the air flow sensor from contamination.

As for interior air quality and comfort, dirty filterings can jeopardize the cabin environment. Without anything between you and airborne contaminants, you are left to suffer from dirty indoor air. This results in musty odors, stuffiness, allergy-agitation, and more. When it comes to cabin air filters, try to have them inspected and replaced every 12,000 to 15,000 miles. If you are a frequent driver or frequently drive long distances, decrease this rule to every 10,000 to 12,000 miles.

Although such an important part of car safety and maintenance, air filter replacement is often overlooked. Be sure to talk to your trusted car mechanic about recommended factory scheduled maintenance for your vehicle. They have the knowledge and advanced diagnostic systems to provide accurate and effective service for your exact make and model car or truck. They can then provide you with a trusted schedule that you can continue to use and refer to for years to come!

Call Main Street Auto Tech at 317-881-7220 for car filter replacement in Greenwood, Indiana. They are ASE certified car mechanics that offer a wide range of automotive services for all make and model vehicles, domestic or foreign. Ask them about their auto repair coupons and discounts too! Call 317-881-7220 to request a free estimate for Greenwood car maintenance, today.

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The Best Places For Destination Weddings

Wedding bells are ringing everywhere! If you’re someone who is planning to get married on the coming year then you need to read what we have to say before you make any further wedding plans. For all us, the day we get married is probably the most important day of our lives and we want to make sure it is arranged that way as well. To do that, you don’t necessarily have to throw a grand wedding at the most expensive place around. A simple and much cheaper alternative is to get married at one of the following locations which are known for their exotic beauty and their services all of which are at your beck and call for very economical prices. And before you move on, here’s a tip – if you’re planning a destination wedding make sure you book flight tickets well in advance!

1. Belize:
This place is on top of our list of wedding destinations and the reason for that is because it offers so much for so little. The place has some extremely beautiful destinations and rainforests as well as old Mayan ruins. Oh and let’s not forget that this place is also home to the second largest barrier reef in the world. The best thing about this place is that instead of being filled with expensive resorts like most of the other exotic travel locations, it has a lot of economical lodges and the sea food here is divine yet cheap too. So you can even host a wedding feast filled with exotic sea food but still save a lot in your pocket.

2. Jamaica:
The best thing about Jamaica is that it provides you with a choice of two very different and equally beautiful locations. You can choose to get married on the white sandy beaches or near the Rocky Mountains depending on what you like. Or maybe you could get married on the beach and throw the dinner or reception in the mountains to get the best of both worlds. And on top of that, the arrangements here are really cheap as compared to other travel destinations.

3. Vermont:
This small collection of beautiful landscapes and homey villages is probably the best travel destination to get married in. The scenic beauty here gives you the perfect backdrop to take your wedding vows and have a fun pre or post wedding shoot too. There are a lot of cozy and warm bed and baths here as well as halls where you can hold your wedding party. And the best part of this is that you can get all of this at very very economical prices.

Now that you know the best places to get married in, we suggest that you start planning for your perfect destination wedding and make sure you book flight tickets well before time so as to avoid any unnecessary delays and problems in your plans! All the best! Cheers to new beginnings!

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Preparing Your Car for Winter

The Canadian winter season can considerably influence driving conditions. In situations like this, drivers are more prone to accidents. It’s critical to focus on cautious driving to protect yourself and keep your family. Safe driving also helps minimize your insurance rates while reducing wear and tear on your vehicle.

Here are a few checks that you can perform to ensure that you, your family and your vehicle remain safe over the winter months:

Take your auto in for a tune up before the first snow fall. Having the peace of mind of a well maintained vehicle all year is an excellent idea, but it’s particularly essential during the winter when driving conditions are impaired.

Ensure you have the right oil for your vehicle. In general, thinner oil like 5W30 works better in cold winter conditions than 10W30 or 10W40, which are thicker. Thinner oils circulate easier, which makes lubrication of your engine easier in cold temperatures. To find the right oil for your specific vehicle, check your owner’s manual.

Keep your gas tank full. A full gas tank lowers the chances of running out of gas and being stranded. In addition, it brings down the possibility that your gas lines will freeze up because of condensation or water vapor buildup in extremely icy climates.

Ensure your battery is in great condition. Being stuck in remote areas and being unable to start your car is dangerous. Check that your battery’s connections are corrosion free and for batteries older than 3 years, consider testing its capacity to hold a charge.

Ensure you keep a winter emergency kit in your vehicle. A well thought out kit can be a lifeline in the event that you are stranded in the middle of nowhere, or on a highway. A high-quality winter kit for your car should include:
No less than one warm blanket.
A flashlight.
A shovel, in case you need to dig out of deep snow.
Additional warm garments, including boots, gloves and caps.
A well stocked first aid kit.
A bag of salt or sand to give you extra traction if you get stuck.
Food and drinking water. Foods with high sugar content are excellent choices.
Jumper cables.
A flare.
Spare windshield wipers.
Extra windshield washer fluid.

Test your tire pressure. Because of the colder air, your tire pressure tends to drop a small amount in the winter. Keeping your tires at the maker’s prescribed pressure makes your vehicle simpler to handle, making you more secure on the road and will even improve fuel economy which will save you money!

Check that your anti-freeze mixture is correct. Your coolant should have a 50-50 mix of anti-freeze and water. If you’re uncertain, you can purchase a reasonably priced anti-freeze analyzer at most automotive part stores. Keep your anti-freeze levels above 50% to prevent leaving your engine susceptible to freezing up.

Think about snow tires. If you tend to get heavy snowfall in your area, it might be worth getting snow tires for your vehicle throughout the winter months. The deeper grooves on snow tires provide substantially more traction on snow covered surfaces, which makes them able to stop your vehicle up to 40% more rapidly than all season tires. As well, snow tires are constructed with a specific type of rubber which lets them to preserve their flexibility even in coldest winter conditions.

Consider replacing your windshield wipers if they are not in good condition. Defective windshield wipers can essentially debilitate your capacity to see in wet and icy climate conditions. If your windshield wipers are not making good contact with the windshield and are not clearing it properly, they should be replaced.

Check your brakes. On the off chance that it’s been over six months since your last brake check, have them checked again before the winter driving season. With the dangerous conditions that winter brings, having the capacity to stop quickly is much more critical than in warmer climates.

Performing these checks before the ice and snow can keep your vehicle running safely and easily all winter season. This will give you one less thing to stress over when you’re driving and help to keep your auto insurance premiums low.

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Why You Should Stop Boasting About How Busy You Are

An Accomplished Life

“Hi Tom, how are you?”

“I’m well Jane, just extremely busy.”

“Oh, I’m glad to hear you’re keeping busy then.”

“Yes, I’m flat out at the moment.”

The above interaction is one that takes place between people on a daily basis.

But what is behind the busyness?

Is it a way to deflect attention from what really matters?

People brag about their busy lives to highlight themselves living an accomplished life to their peers.

Similarly, they may wish to communicate how meaningful their work is and so it becomes a self-fulfilling prophecy.

Being occupied implies oneself is consumed with matters of significance. That is why people state their busyness, to have you know they are important.

Busy people struggle to keep their attention in the present moment because their focus lies in future events and planning for the next project.

“We become active and busy, but this doesn’t actually move us any closer to success. Activity is often unrelated to productivity, and busyness rarely takes care of business,” states authors Gary Keller and Jay Papasan in, The One Thing: The Surprisingly Simple Truth Behind Extraordinary Results.

I question those who have a hectic schedule as a method to divert their attention from connecting with their core self.

The title quote by the Greek philosopher Socrates, invites you to be wary of a busy life which can be barren.

The busy person is disconnected from others, simply because their attention is focussed on their own commitments. There is the impression of a purposeless life, masked behind the facade of a frantic lifestyle.

Busyness can be reframed to imply your pursuits are purposeful instead of busy.

Gary Keller and Jay Papasan affirm, “Don’t focus on being busy; focus on being productive. Allow what matters most to drive your day.”

Busy or Just Unproductive?

You can be busy but not productive and still chase your tail.

Beneath the busyness lies the unconscious desire to be rewarded for hard work.

People believe being preoccupied is impressive and associated with status. You must be pursuing something prestigious, otherwise you wouldn’t be busy.

I’m reminded of an episode in the Seinfeld sitcom where the character George Costanza, played by Jason Alexander, walks around the office looking annoyed. He realises that being busy is associated with stress and works hard to uphold this facade.

He appears irritated, causing his supervisor; Mr. Wilhelm to fear George is cracking under the pressure of his work.

While this scenario is fictional, it shows how people unconsciously use busyness to draw attention to themselves.

Similarly, you may believe multitasking is indicative of productivity. Busyness implies being on top of things which is often the furthest thing from the truth.

“Productivity isn’t about being a workhorse, keeping busy or burning the midnight oil… It’s more about priorities, planning, and fiercely protecting your time,” affirms associate editor at Psych Central, Margarita Tartakovsky.

The busy pandemic comes at a cost to people’s well-being and happiness. You may find it difficult to disconnect from work to spend time with family. These are the pursuits that rejuvenate you instead of deplete you.

Busyness can be a sign of procrastination. It is a smoke screen to cover up being overwhelmed and in need of help to prioritise your life.

Consequently, those in the creative field will tell you they are absorbed in their interests and not busy with work.

It was the late Stephen R Covey, author of The 7 Habits of Highly Effective People who said, “It is possible to be busy-very busy-without being very effective.”

The Demands of a Hectic Schedule

It is vital that you set clear boundaries if you wish to be fulfilled. Busy people find it difficult to say no since they do not wish to offend others or be seen as incapable.

I’m yet to meet a busy person satisfied with their hectic schedule. I’m certain they would trade their frantic life for: less work, more time and money.

Occasionally, you might be pulled by circumstances not of your choosing. Business may unexpectedly increase if you’re self-employed as you try to meet the pressures of growing sales. But that doesn’t mean you are happy if all you are doing is working to provide for the demands of other people.

You have a choice how you spend your time. To claim you are busy is failing to prioritise your time wisely.

“Everybody’s busy. Everyone does the actions. But were they the right actions? Were those actions productive? Did you take a step forward? These are questions that most people never take the time to think about,” reminds us author Jeff Olson in, The Slight Edge.

After all, what is the point of being busy and stressed to the point of exhaustion that your health and relationships suffer, just to improve your bottom line?

Surely, there’s a more efficient way to work in the 21 century while enjoying more leisure time?

Busy people are prone to being overwhelmed if they continue to drive themselves hard. It is not healthy to run yourself into the ground and expect to stop at the drop of a hat.

Something must give. That may be as excessive drinking to help you wind down or toxic behaviours such as: compulsive eating, gambling or whatever distracts you from what is important.

We all have the same hours in the day and how you spend it is entirely up to you. Many people squander their time running around believing they are productive, when they are simply busy due to their lack of organisation and prioritisation.

“We are so busy being enticed by our next endeavour that we forget to savour what is already there and could be deeply meaningful. It is useful to remember the adage “The more things change, the more they remain the same” avows author Bernard Roth in, The Achievement Habit: Stop Wishing, Start Doing, and Take Command of Your Life.

A better way to reframe busyness is to state you are productive or engaged in what you are doing. Conversely, communicating you have taken on more than you can handle, is a step towards reclaiming your lost time.

This is not a cry for help, but exposing your vulnerability to those willing to help you better manage your time.

Find ways to be less busy and more engaged so you are in Flow, as the Hungarian psychology Professor, Mihaly Csikszentmihalyi espouses.

Busyness is a not indicative of a rewarding life if all you are doing is jumping from one task to the next.

Those who manage their time successfully hold on to it like it was their last breath. They prioritise what is important and so should you.

I invite you to think with the end in mind as Stephen R. Covey conveys in his teachings.

Only then will you appreciate what really matters and worth devoting your time and energy towards.

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