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LIFESTYLE & CULTURE

Who doesn’t want extra cash each month? Here are the ways you can have it

Small changes, doing different things, every little bit can help to boost your disposable income and give you the life that you want to lead.

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The normal scenario for many these days sort of goes like this. You get up you go to work, you earn your money and you do that for approximately twenty days of a month. You earn an income, you pay your bills and what is left is yours to do, well, what you want with, am I right? However, for many, that amount of money is fixed each month, and even if you had all the will in the world and took on extra responsibility in the workplace or showed initiative, unless there is overtime or bonus to be had nothing changes. So how can you get some extra cash in your pocket each month?

I wanted to share with you some of the things that you could do to help you do that. Small changes, doing different things, every little bit can help to boost your disposable income and give you the life that you want to lead.

When was the last time you checked your bank statement?

The best thing to do first is to print off the last few months bank statements and start to analyze exactly where your money is going. This is a really good exercise as it can be quite naive to constantly spend on your debit card, and it can make you lose sight of exactly how much you spend each day or week.

You may also find that there could be rogue payments and debits leaving your account for things you had either forgotten about or thought you had cancelled. This is an excellent exercise a sit helps you to potentially free up some money straight away.

Lastly, knowing how much your outgoings are exactly gives you something to work with when I raise another point later on in the article.

Time to get a handle on those outgoings

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Now you know what your outgoings are each month and those exact bill amounts, this is when you can try to reduce them and bring the overall costs down. Some of the utilities you pay out for each month such as energy, for example, may not be the cheapest way of doing things. Comparing bills such as energy and even insurance providers could help you to see that a lot of companies save their best rates and deals to entice new customers.

Switching over to another provider could really reduce your overall costs. Your outgoings may also need looking at when it comes to other debits like gym memberships or subscriptions, ask yourself do you need them?

Switching and saving, and even cancelling things you no longer want or need can really help free up some income. Then you just have to tackle the other spending you do, which is mostly out of your disposable income.

Let’s sort the debts out

Before we get onto making savings with your spending, there are possibly other bills that you pay out for each month. It might be that you have debts for loans or credit cards that you pay out minimum amounts for each month. But having multiple credit accounts means that you are getting different interest charges and this is what can mount up over time. Tackling your debts and making them a focus can actually help not only to pay them off but to bring down your overall monthly spend. Who needs to pay multiple interest charges when you can pay only one or even take advantage of interest free offers. One f the first things to consider would be your credit cards and switching the balance over to a new provider. A cheaper rate means more getting paid off or could even mean an interest free period to help you pay it off for good.

A look online at providers like barclays could give you some idea of what is out there. Another option could be to consider a loan which could consolidate a few different debts. This gives you one payment, a payment plan to pay it off and one lot of interest charges. However you choose to do it, don’t bury your head in the sand and get it paid off sooner rather than later.

Could you be a savvy spender?

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The next thing to think about would be how you spend your disposable income and could you make some changes to how you do it. One of the biggest expenses people have each week is money being spent on food and drink. But often a few changes to your habits can help bring that cost right down. You could think about meal planning, which could help reduce what you sped as you have a list with exactly what you need. It stops the impulse buying and also reaching for the take out menus. Reducing food waste and also shopping your cupboards instead of the store is also a few things you could try to avoid spending money. Cashback sites and looking for vouchers can help bring the cost down as well and this can work not just for food but for other purchases like clothes or meals out.

There are many ways you can spend less, and being a savvy shopper can actually be a lot of fun as well. As you watch your income rise you start to feel more and more motivated to find bargains and make the changes necessary.

Boost your income in your spare time

Finally, could you boost your income in your spare time? The chances are you probably can, and you will have free time to do it. Sat watching TV at night with your phone, you could be filling out online surveys and earning some money as well. Maybe using your social media profile for reviewing things or earning off advertising. You could even turn a hobby into a money maker like a blog, for example. Boosting your income and being proactive helps to produce money for things lie savings or those added life luxuries. So it is definitely worth it.

I hope that these tips help you to have some extra cash each month.

Health & Wellness

4 Reasons why people put off doctor visits (But you really shouldn’t)

Whether it be for an annual checkup or because you know that you’re sick, everyone needs to visit the doctor now and then. That being said, chances are, you don’t go as often as you should.

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Whether it be for an annual checkup or because you know that you’re sick, everyone needs to visit the doctor now and then. That being said, chances are, you don’t go as often as you should. This certainly isn’t the most enjoyable activity, but it’s one that is necessary for optimal physical and mental health. Despite this, more and more people choose to skip instead, with the biggest culprits being millennials. This is a risky decision that could put your whole life at risk.

Here are four reasons people why put off doctor visits, but you really shouldn’t.

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1. “There Is Never Enough Time”

Everyone in the world has better things to do than visit the doctor, but, you’re kidding yourself if you think that you can’t spare enough time for an appointment. Annual checkups usually last no longer than half an hour, with more specific issues often taking up even less time. There’s no use in putting off or canceling these trips to do one thing or another, because, if you were to get sick or worse, you wouldn’t be able to do them anyway. Your health should always be the priority.

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2. “I Am Probably Healthy Anyway”

Unless you’re showing signs of being sick, you probably are okay, but that doesn’t mean that you should take this chance. There are lots of incredibly serious conditions that have very few or no symptoms or don’t start showing these until it’s far too late. Finding illness early gives you a much better chance of getting better, which is why you should never skip your annual checkups. You’re not a doctor, so don’t assume that there isn’t an issue until you’ve actually spoken to one.

3. “It Is Better Not Knowing”

Even if your doctor tells you some bad news, it’s never better not to hear it. After all, there is usually something that can be done to help. If you went your audiologist for poor hearing, for example, they would be able to tell you all about hearing aid benefits and their success rates. You can’t get treated if you bury your head in the sand, regardless of what the issue is. You might not even be sick, but, if you are, you should give yourself the opportunity to get better.

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4. “My Partner Won’t Stop Nagging”

You and your partner can argue about almost anything, from the washing up to the weather, but the one thing that you shouldn’t disagree on is the importance of your health. Even if your significant other tends to nag about anything and everything, you should listen to them when they tell you to go to the doctor. After all, if they didn’t believe that it was necessary, then they wouldn’t try to convince you. Listening to your loved one is not defeat, but a chance to be together longer.

When push comes to shove, there is never a good reason not to go to the doctor. Instead of coming up with excuses, you should book an appointment and get it over with.

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LIFESTYLE & CULTURE

Art to push the curious to explore

Check out Copenhagen-based artist Spurv, whose erotic art pieces reached/touched others, particularly those “like me (who) have the curiosity to explore, and the people who are afraid to dare.”

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Sometime in 2015, Copenhagen-based artist Spurv started making erotic art pieces. It was, he said to Outrage Magazine, “somehow my personal journey through sex life where I explore my hidden sides, curiosities, fetishes, desires, limits, et cetera.

And so – in not so many words – Spurv said that without wanting to sound self-centered, he was “inspired by life itself – my life.”

Here’s the thing, though: although his artworks are “my story”, Spurv’s work eventually reached/touched other people, particularly those “like me (who) have the curiosity to explore, and the people who are afraid to dare.”

Spurv uses the old technique of gravure, this time on linoleum to create linocuts (block prints).

Linocut, a printmaking technique that is a variant of woodcut where a sheet of linoleum is used for a relief surface; the design is cut into the linoleum surface with a knife and the raised/uncarved areas represent a reversal/mirror image of the parts to show printed. The linoleum sheet is then inked with a roller, and then impressed onto paper or fabric.

“I chose (this technique) because I find very appealing (in creating) the contrast between this technique and the depicted topic of gay fetish,” Spurv said.

His subjects are actually reminiscent of Tom of Finland, Hal Fischer, Jim Wigler, Rinaldo Hopf and Etienne (among others), adapting the same raw approach to (male-to-male) sex/sexuality. And yes, as he noted, the use of linocut – instead of sketching/drawing/painting/photography – differentiates Spurv’s works.

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Obviously, Spurv is cognizant of how – even if erotic art is now very pervasive – it continues to be frowned upon. But not wanting to go deeper into this topic, he said that appreciating this necessitates going deeper to see beyond the superficial perspectives/POVs/analyses.

With art, Spurv said that there is no need to compare oneself with others, particularly since “every artist depicts his own universe in his own way. This is not a competition.”

For up-and-coming artists, “I would always encourage people to know and then express themselves (since being able to) express themselves in an artistic way is a blessing,” Spurv said. So, just like the many males in his artworks, going about discovering their sexuality, “fear is not an option.”

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LIFESTYLE & CULTURE

What’s up, Doc? How to choose the right physician

As your body deteriorates, you need someone with an eagle eye who can spot the signs. And, it might as well be someone you like if you’re going to see them once a week. These are the things to consider.

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It’s always important to have a crack doctor on your speed dial rather than a quack. The body can do strange things and you need someone to give a second opinion as you don’t have a doctorate in medicine. As you age, it’s as important as ever to make sure the man or woman with the stethoscope is on point. The logic is simple: you’re going to visit them often.

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As your body deteriorates, you need someone with an eagle eye who can spot the signs. And, it might as well be someone you like if you’re going to see them once a week. These are the things to consider.

Location

Medicine isn’t like real estate, so the location isn’t everything. Yes, it’s easier if the surgery or clinic is a ten-minute drive away for obvious reasons. However, just because it’s a thirty-minute ride into the center of town shouldn’t put you off either. A whopping 60% of patients choose their doc based on location, which is dangerous because it puts health at risk. First and foremost, the physician should be a qualified and skilled practitioner who puts your well being first. After that, then things such as location and cost can come into play.

Cost

Although, let’s not pretend that money isn’t a factor. Healthcare might be free but Medicare in this country covers not everything. For example, dental and prescription drugs are privatized and require an upfront payment. Considering the pill-popping culture in North America, the odds are you’ll need some medication in the future. It’s much better to get some form of care than none whatsoever in this scenario as certain pills are powerful and can improve your quality of life. Always research the prices beforehand to make sure you can afford treatment which isn’t covered by the government.

Patient History

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Everyone makes mistakes, but you can’t afford a doctor who does it regularly or makes huge errors. It’s your health and one slip-up might be fatal. That’s why some people seek out a lawyer: to dig a little deeper. A physician’s record won’t be public so you will need to hit the books to find out more. Even though it isn’t comprehensive, it’s always a good idea to use referrals from friends. Because they’re unbiased, their recommendation isn’t tainted. Another option is to check the Web for surgeries with excellent patient histories.

Bedside Manner

You (hopefully) won’t need anything more than a checkup yet it’s still good to take their bedside manner into account. For one thing, going to visit a doctor is a grind because of the stress of the unknown. At least with someone who is warm and can make your life, you won’t feel as much pressure. Plus, hating your doctor is likely to encourage you not to see them when you are ill. You’ll think “oh it’s nothing and I can’t be bothered with X anyway.” Plenty of people have suffered because they didn’t want to bother their practitioner.

In general, it’s all about their level of care whether it’s medical or customer-based.

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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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