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LIFESTYLE & CULTURE

Patient shopper, savvy saver

The good bit is that saving for a house doesn’t have to be a lengthy, stressful and drawn-out affair. You need a good strategy and a level of patience though. And if you’re a savvy shopper already, then you’re going to stand in good stead when it comes to getting that deposit.

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Everyone loves to shop, right? Well, the biggest purchase that most people will ever make in their lives is that of their house. Choosing to go shopping for a house is a big deal, and if you are fortunate enough to be in a position of lining up viewings to go and make the biggest decision you could make for your wallet, embrace it. It’s not a position everyone is lucky enough to be in, and if you love to shop, this is about to be the best shopping trip of your life. The only real downside? The cost. A house is an expensive venture and you can’t just pick one off the shelf. There are rules, deposits, fees, legal requirements – so many hoops to jump through for the purchase of a house, and it’s all on you to ensure that you jump those hoops and make it work.

The good bit is that saving for a house doesn’t have to be a lengthy, stressful and drawn-out affair. You need a good strategy and a level of patience though. And if you’re a savvy shopper already, then you’re going to stand in good stead when it comes to getting that deposit.

Saving for a house deposit is an insane task, so you can’t look at the whole amount and try to save that. A good bit of advice is to break down those savings into more manageable bites; smaller goals are always far easier to achieve. The best piece of advice you will ever find is that you should be a far savvier shopper to get where you want to go. The more time that you put into saving, the bigger the deposit you will have, meaning that you could have far more choice for the home that you want, or you could put on a smaller deposit and use the rest of the cash to furnish the place. In the meantime, though, you need to decide whether you have the patience and the grit about you to manage to make the savings that you need to make and change your life to, well, change your life. Below, we’ve put together some of our favorite savings ideas to help you get to your dream home.

Shop Smart. A big part of buying a house is dreaming up how to furnish and decorate it, right? Well, if you start shopping at https://en.wikipedia.org/wiki/DealDash, you’re going to get some fantastic deals and you’re able to bid on the items that you want. You could furnish your entire property and find some excellent statement pieces to ensure that your house is stylish and as up to date as your budget allows you to be.

Shop Savvy. You know your incoming and your outgoing amounts of money, right? Well, it’s time to look at what you buy and make some savvy swaps. Do you love the branded cheese at the store that costs $10? Did you know you could pretty much get the same flavor of cheese for $4 less by choosing the store brand? That $4 may not seem like a lot, but when you buy cheese every week, you could move that little bit of cash into your savings account and boom, you’ve saved $200 in a year. Being smart about your swaps while you shop can really make a huge dent in your savings account, and you won’t be putting anything to waste while you do it. You have to still make yourself happy, though, so don’t swap to things that you genuinely don’t like.

Income Smart. When you get your paycheck, you’ve already divided it up to go where you need it to go to make ends meet. So, it’s time to take your savings out of your total amount before you’ve even got your check. Are you aiming to save $400 a month and you earn $2500? Well, from now on you only earn $2100. That additional chunk of cash cannot be touched, and you can set up an immediate payment on payday each month so that you’re not tempted to touch it. Don’t try to live first and save second, because you’ll never make those savings that you are so desperate to make.

Income Savvy. If you don’t feel like your full-time job makes you enough money to save, it’s time to get savvy with your income. Pick up a second job at a bar or pull extra freelance work from home. You need to savvy with your income so that you can continue to live at a rate that you are accustomed and yet make it work with your savings at the same time. Pulling a second job doesn’t have to mean you spend every spare hour working but imagine how much that you could bring in by doing two evenings a week as a delivery driver. Those shifts driving around can change your income dramatically.

Sell Smart. That car that you barely use? Sell it. Those electronics gathering dust in the garage? Sell those, too. You can look at your whole house and see a goldmine of cash just sat there waiting for you to capitalize on. If you are smart about where you sell things, you can ensure that you get the best prices for them, and really ramp up your house deposit amount.

Sell Savvy. Don’t get ripped off when selling your things. Sure, you’re looking to make some quick money, but not quick enough that you are underpaid for the things you’ve put cash into. Don’t be taken for a ride, and don’t settle for less than what you truly want for your items.

Getting that house deposit together is not going to take you forever and if you are committed, you can really see that savings account grow over time. Don’t waste any time, either. The whole property market can shift on a dime and you could lose all your plans. Make a plan, stick to it and be patient. You’ve got this.

Health & Wellness

LGBT adolescents more likely than other kids their age to try to kill themselves

A study found that sexual minority youth were 3.5 times as likely to attempt suicide as their heterosexual peers. Meanwhile, transgender adolescents were 5.87 times more likely, gay and lesbian adolescents were 3.71 times more likely and bisexual youth were 3.69 times more likely than heterosexual peers to attempt suicide.

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LGBT youth have higher risk for suicide attempts.

This is according to “Estimating the Risk of Attempted Suicide Among Sexual Minority Youths: A Systematic Review and Meta-analysis”, a study done by Ester di Giacomo, MD; Micheal Krausz, PhD; Fabrizia Colmegna, MD; Flora Aspesi, MD; and Massimo Clerici, PhD and which was published in JAMA Pediatrics.

For this study, the researchers pooled data from 35 earlier studies to show that sexual minority youth were more than three times as likely to attempt suicide as heterosexual peers. Transsexual youth were at highest risk, nearly six times as likely to attempt suicide as heterosexual peers, researchers reported.

“Adolescents facing ‘non-conventional’ sexual identity are at risk of higher self-threatening behaviors, independent of bullying and other risk factors,” Dr.di Giacomo, the study’s lead author, was quoted as saying by Reuters Health. “I think that a difficulty in self-acceptance and social stigmatization might be keys for understanding such elevation in the risk of self-threatening behaviors.”

This may be because many LGBT youth have trouble accepting who they are because of the way they are seen by others, di Giacomo added.

The study noted that “suicide is the second-leading cause of death among adolescents” and that “sexual minority individuals are at a higher risk of suicide and attempted suicide.”

Thirty-five studies reported in 22 articles that involved a total of 2 ,378,987 heterosexual and 113, 468 sexual minority adolescents (age range: 12-20 years) were included in the analysis. The study found that sexual minority youth were 3.5 times as likely to attempt suicide as their heterosexual peers. Meanwhile, transgender adolescents were 5.87 times more likely, gay and lesbian adolescents were 3.71 times more likely and bisexual youth were 3.69 times more likely than heterosexual peers to attempt suicide.

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Since the findings suggest that youths with non-heterosexual identity have a significantly higher risk of life-threatening behavior compared with their heterosexual peers, the researchers stressed that “public awareness is important, and a careful evaluation of supportive strategies (e.g. support programs, counseling, and de-stigmatizing efforts)… be part of education and public health planning.”

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LIFESTYLE & CULTURE

Unnatural disasters: Coping with a freak accident

By exploring some freak accidents, it will be showing you what can be done when you’re in this sort of situation.

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Humankind has been going through a challenging process over the last few decades. As technology reaches a point where advancement can’t carry on in the same direction, the focus is being shifted from things like speed and power to finding ways to keep people safe.

Photo by Jordy Meow from Unsplash.com

Unfortunately, though, with the world still filled with machines from a different era, the normal things you do won’t always be safe. The risks are often minimal, but this makes it even harder to deal with issues when they arise, and this post is here to help. By exploring some freak accidents, it will be showing you what can be done when you’re in this sort of situation.

Electrical Fires

Modern electrical work is performed to a much higher standard than it used to be. As people’s understanding of this area has improved, the way that homes are wired up has come along with it, lowering the risk of issues being caused by this sort of technology by a huge degree. Of course, though, if you live in an older home, you won’t have the benefits of this sort of advancement. Old wiring is much more likely to cause issues like fires than the newer stuff, making it important to stay on top of the situation with upgrades where you can afford it, and protection with fire alarms and insurance where you can’t.

Public Transport Accidents

Trains, planes, and busses have all undergone huge changes over the last few decades. In the past, these machines were designed as simple tools to get people from A to B, with little regard for how safe they were. As time has gone on, a lot of governments have struggled to upgrade this infrastructure, though. This opens the doors for accidents, with plane crashes and train accidents becoming increasingly common as populations grow.

If you are ever in an disaster like this, taking the time to contact Emroch & Kilduff, or a similar legal firm, will be the best course of action. This will give you the tools to get yourself back on your feet, while also raising public awareness surrounding the issue of old transport.

Structural Collapse

When a building or other piece of structural infrastructure collapses, the damage which can be left in its wake can be incredible. These accidents can often be fatal, with people being hurt by a range of factors, and this makes it important to know how to deal with them. As they often go unnoticed, preparation is nearly impossible. Instead, you should be proactive in working to avoid it in the property you own. This can be achieved through regular maintenance, along with proper upkeep of what you have. Along with this, if something happens on public land, you will often have the chance to fight your case in court.

With all of this in mind, it should be easier to see the risks which living in a world built in the past can bring. Not a lot of people think about issues like this during their day to day life, even when a problem is staring them right in the face.

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LIFESTYLE & CULTURE

Tips for modern dating in 2018

Here are some of the best tips to use that will serve you well when you choose to date these days.

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The world of dating has changed a lot over the past decade and is almost unrecognizable from how it used to be. In fact, it is fair to suggest that technology has taken over and now has a huge bearing on the world of dating and how we live our lives. It’s fair to say that many people are overwhelmed and intimidated by the world of dating in 2018, but it’s not as scary as you might think.

Yes, there is a lot to take in, but it is also important to understand that there is more opportunity than ever before for exploring the world of dating in a big way. This is an exciting opportunity, and modern dating has opened the door for many more people to be able to enjoy the world of modern dating. Here are some of the best tips to use that will serve you well when you choose to date these days.

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Sign up to a Few Sites

There are a lot of different options out there when it comes to the world of online dating in 2018. That is to say, there are a lot of different sites you might consider using. There are free sites, and ones where you pay a membership fee to join, and all of them offer different things. In fact, no matter who you are, or what you are looking for, it is pretty clear that there are options out there for you by way of online dating sites. So whether you are dating with a disability, or looking for religious people, there are sites out there to help you.

Cast Your Net Far and Wide

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You have to make sure you cast your net far and wide, and that you do as much as you can to improve your chances of success. It is important that you understand everything the dating world has to offer, as well as playing the law of averages. You’re going to be going on a lot of dates before you find someone you connect with, so play the odds. Whether you are dating within the LGBTQ community or the heterosexual dating scene, you have to make sure you are casting your net far and wide and making the most of the experience.

Photo by Terry Johnston from Wikimedia Commons

Facebook Stalk

Before you go on a date with someone, you might want to do a bit of homework on them. These days it is so important to make sure you think hard about what a person is like before you go on a date with them, and you want to be sure you are keeping yourself safe. This means a spot of Facebook stalking just to put feelers out, and get an idea of the sort of person you are going to be going on a date with.

Be Yourself

The most important rule to learn about any sort of dating is to simply be yourself. You need to keep in mind the fact that there are a lot of things involved in the dating game. But, as long as you are yourself and you think hard about what sort of person you want to date, you will be fine. Don’t compromise who you are just to fit with what someone else is like – be yourself as much as you possibly can.

As you can see, there are a lot of things to keep in mind when it comes to actually improving your life in a dating sense. You have more opportunities than ever, and this is going to help you make the right decisions in the future. So, it is crucial to think about what is involved in the process of modern dating and seize the opportunity to meet new people.

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Travel

Bill signed to add gender ‘X’ to birth certificates in New York

Beginning January 1 in New York City, non-binary and gender-nonconforming people can choose to change their gender to “X” on official city documents by submitting their own affidavit.

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Beginning January 1 in New York City, non-binary and gender-nonconforming people can choose to change their gender to “X” on official city documents by submitting their own affidavit.

This comes after New York City Mayor Bill De Blasio signed a new law adding the ability to select a third gender on birth certificates without needing a letter from a health-care provider.

According toDe Blasio, “New Yorkers should be free to tell their government who they are, not the other way around. You be you. Live your truth. And know that New York City will have your back.”

With this development, New York follows the states of California, Washington, New Jersey and Oregon in passing such legislation.

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LIFESTYLE & CULTURE

Your everyday health habit checklist

If you don’t consider yourself a very healthy person right now, don’t fret. You can incorporate habits slowly, one at a time when you feel ready, and you’ll eventually be somebody who considers themselves a healthy, happy person.

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There are many health habits that you may find useful to get into – but here, we’re going to discuss some of the most important habits that really do have the potential to change your life for the better.

If you don’t consider yourself a very healthy person right now, don’t fret. You can incorporate habits slowly, one at a time when you feel ready, and you’ll eventually be somebody who considers themselves a healthy, happy person. Incorporating these habits slowly is so much better than trying to go all gung-ho off the bat, as you will likely get overwhelmed and end up quitting. Slow and steady wins the race, so they say.

Here’s your everyday health habit checklist so you can be the best version of yourself:

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Get Out Of Bed And Set An Intention For The Day

When you get out of bed, do you snooze your alarm 10 times and then get up with minutes to spare, having to rush around to get ready? This isn’t the best way to start your day, and can actually carry over to the rest of your day and make you feel stressed even if you don’t have anything to be stressed about.

When you get up, practice getting up as soon as your alarm goes off. You can use an alarm that simulates sunrise to help you. Then, set an intention for your day. What are your goals? How do you want to feel? When you do this every day, you’re more likely to get things done and feel great while doing it.

Photo by Bruno Nascimento from Unsplash.com

Exercise Before The Day Gets Started

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Exercise is a wonderful way to stay fit and healthy, but it has other benefits too. Exercising in the morning can actually get you all fired up and feel ready to tackle the rest of the day’s tasks. Exercising at night is still great, but it’s too easy to make excuses, especially if you’ve had a hard day!

Be Mindful In Everything You Do

Start being more mindful in everything you do, whether you’re washing the dishes, or on the road. You can get help from Brauns Law if you’ve been in an accident, but it’s better to be mindful before anything like that happens.

Photo by Ivan Timov from Unsplash.com

Start The Day With A Healthy, Hearty Breakfast

Now, we’re not here to argue with people who say that breakfast really isn’t important and that fasting is the way to go. That really does work for some people, so you might want to try it and see if it works for you. However, if you find yourself getting hungry and reaching for the biscuits as soon as you arrive in work, it’s time to start making time for a healthy breakfast.

List Things You’re Grateful For Day And Night

List the things you’re grateful for in the morning, and before you sleep at night. This can have a great impact on how you feel throughout the day and how you sleep!

Drink Plenty Of Water

Make a note to drink lots of water every hour; make markings on a bottle if you really need to. Water is great for your health and energy levels.

And lastly, Get Some Natural Light.

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LIFESTYLE & CULTURE

Where to next for a citizen of the world?

You’ll hear lots of people talk about how certain places are ‘once in a lifetime’ opportunities. The truth is we can pretty much visit any place on the planet with a click of a button. However, there are places on God’s green earth which do fall into the category.

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The gender X citizens of the world, you don’t belong to one tribe. Sure, you love the country of your birth and are patriotic, but you don’t call it home. To you, home is where the heart is, and your blood-pumping muscle has gone global. You’ve caught the bug and want to visit as many countries as possible.

In short, you’re a citizen of the world.

Picking which places to fly to next isn’t as easy as it sounds. There are too many places and not all of them appeal to your personality. Hopefully, the tips below will help you to be decisive.

ONCE IN A LIFETIME

You’ll hear lots of people talk about how certain places are ‘once in a lifetime’ opportunities. The truth is we can pretty much visit any place on the planet with a click of a button. However, there are places on God’s green earth which do fall into the category. Imagine getting to say you’ve been to North Korea – the chances are that won’t happen again.

So, when the opportunity arises, you should consider dropping everything else. It’s irrational, it’s immature, and it’s part of what makes traveling so intoxicating. Never say no to a bona fide one-time thing.

MORALITY

Everyone has values they live by; however, that doesn’t mean other places share the same morals. You might be gay or transgender or straight but an advocate for the movement. If you are, places, where LGBTQ rights aren’t respected might not be the best choice.

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First of all, it can land you in jail or with a fine. Secondly, it’s upsetting to see ideas which belong in the past still openly celebrated. On the other hand, you might need to go to gain an understanding of the people and country. The choice is yours, but morals should always play a part.

SAFETY

Again, your sexuality and life choices might put you in danger. Although it’s not fair, it’s essential to consider beforehand. But, there are more risks which have nothing to do with your gender or preferences. Some places are inherently unsafe for different reasons. You can see the rate of motorcycle accidents at HugheyLawFirm.com yet you can times it by ten in Southeast Asia. The same goes for violent crimes in this country compared to South and Central America. If you can’t guarantee your safety, then it might not be worth going.

LOCATION

You have a bucket list, but does it take geography into account? Think about all of the places you want to go and split them up by their location. The nations that are closest can go to the bottom of the list because they’re easier to visit. The exotic ones which take days to get there and don’t have running water are for the young and passionate. Everything else you can fit into your golden years or long weekends. For example, states in the US you’ve never been to.

Where you go is a personal choice. However, the thing to remember is common sense. Keep that in mind and you won’t go too far wrong.

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