Here’s How You Can Protect Your Skin on Your Next Vacation

Here’s How You Can Protect Your Skin on Your Next Vacation

Whether you’re headed to a beach or a big city, Jet setting away from home can make you feel mentally and emotionally refreshed. That said, the change in temperature and atmosphere can have some physical effects on your skin.

It’s common for one’s skin to get dry and irritated on vacation. The thing is, vacation is a time for relief and relaxation — and how can you relax when your skin is burnt, dry and itchy?

Fortunately, there are products ranging from accessories to skin care items that can help you physically look as refreshed as you feel when you are travelling. With the help of these beauty items, you’ll be able to keep your skin protected on your vacation:

Facial Oil

There are various reasons why your skin may start to dry out when you are on vacation; a lot of people find that their skin dries on the plane and others find that a different country’s climate can wreak havoc on their complexion.

Of the many quality SK-II skin care products on the market, their most famous has to be their Facial Treatment Oil. With the help of a quality facial oil like this one, you can hydrate and moisturize to keep your skin nourished and protected from dryness.

Stay Hydrated

Drink water — and a lot of it. When you are travelling, it’s easy to forget to drink water because you get swept up in the excitement of being in a new place. Even the plane itself can leave you dehydrated; according to Marie Clare, on an average 10-hour flight, a passenger can lose up to 8% of their body water — that’s 4 litres.

When you are on the plane or walking around in the sun at your destination, it’s important to drink water to keep yourself hydrated and energized.

Slather on the SPF

When on vacation, people are outside a lot more than they usually would be — which is why it’s important to stay protected from the sun’s UV rays.

This means not only lathering on sunscreen all day every day but also making smart choices with your makeup — in other words, use products that have SPF in them. The good news is there are tons of reputable brands like BY TERRY and IT COSMETICS that make products like foundation and powder with SPF.

Wear Sunglasses When Out & About

The skin around your eyes is a lot thinner and more sensitive than other areas of your body, which is why it’s so important to protect your eyes.

The best way to do this? Invest in a pair of good sunglasses and wear them often. This will protect your eyes and your skin from the sun’s strong UV rays. The FDA suggests wearing sunglasses with a UVA/UBV rating of 100 for maximum protection.

Lip Balms

Your lips can dry and get burnt on your trip just like your skin can, which is why it’s important to protect your pout. By TERRY’s Baume De Rose is the perfect example of a lip balm that will tint and plump your nose, while also protecting it with SPF and various moisturizing properties.

With the help of these hydrating, nourishing and protective products, your skin will look as refreshed as you feel during and after vacation.

How To Get Life Insurance Entirely Online

How To Get Life Insurance Entirely Online

Once you reach adulthood, life insurance is necessary. It doesn’t matter whether you’re married, single, divorced, etc. — all that matters is that your loved ones will be covered should the worst case scenario occur.

However, just knowing that you need life insurance doesn’t always translate into practice. Because life can get so hectic, because you seem to be in perfect health, or because it’s too morbid to think about, you may find yourself in a situation in which you’ve been pushing off getting life insurance for some time.

But not anymore. In today’s day and age, when getting life insurance can be done entirely online, there’s no reason to procrastinate anymore. 

How Can You Get Life Insurance Entirely Online?

Traditional life insurance policies require a lengthy application, a visit to the doctor, and then a wait time ranging between a few weeks to a few months. It’s no wonder you’ve been procrastinating — who has time for all that?

The good news is that there are numerous no exam life insurance policies that you can apply for entirely online. No exam life insurance is exactly what it sounds like —  a life insurance policy that you can get without a medical exam. Once you don’t have to worry about scheduling a doctor’s appointment, you can simply go online and complete your entire application.

Is No Exam Life Insurance Legitimate?

No exam life insurance is 100% legitimate; it’s not a loophole that you have to worry about; it’s a real type of life insurance that’s offered by many respected insurance companies.

In fact, no exam life insurance is the preferred type of life insurance for many. It’s optimal for people:

  • Who need life insurance quickly, either for a business loan or because they’re going through a divorce
  • Who are afraid of needles
  • Who don’t have time for doctor appointments, long forms, and waiting months for the underwriting process
  • Who are in good health and want to get life insurance quickly and easily
  • Who have a chronic health condition or job and can get coverage easier through no exam life insurance

Benefits of Getting Life Insurance Without a Medical Exam

The benefits of getting life insurance without a medical exam are many:

  • There’s no need to leave the house to get it — the whole process can be done entirely online
  • Get approved in days as opposed to weeks or months
  • It’s easier to get approved
  • You get the coverage you need

What’s the Catch?

If you think no exam life insurance sounds too good to be true, you’re only half right. These kinds of policies come with all the benefits listed above and can be great for many people. But the catch is, the cost is typically higher than that of traditional insurance policies.

Fortunately, you don’t have to pay an arm and a leg to get a no exam life insurance policy. When you use Sproutt, you can get the best quotes for exactly the type of life insurance you’re looking for. Sproutt isn’t affiliated with any insurance company, and therefore offers real, unbiased advice about which policy is best for you. Plus, it lets you compare rates so that you can get the best deal.

So if you’ve been pushing off getting life insurance until now, today is the day to say, “No more!” Today is the day to apply for no exam life insurance and make sure that your loved ones will be cared for should the worst happen. Once you check “Get life insurance” off your to-do list, you can focus on the more important things in life, like living and enjoying it.

Why Handcrafted Clothes Should Be Embraced

Why Handcrafted Clothes Should Be Embraced

We are all familiar with the term ‘fast fashion.’ Trends drift in and out, and the consumer finds key styles changing as fast as the weather. As fast fashion meets the world of online shopping and ordering, handcrafted, ‘slow’ fashion can often be swept under the rug. But should this be the case?

With the importance of sustainability, consideration of the planet, and ethical responsibility on the mind of the consumer more than ever before, there are plenty of reasons why handcrafted clothes should be embraced. This article highlights a few which may stop you from ordering a bulk of clothes on mass, and think twice about your next purchase.

A rundown of benefits of handcrafted clothing includes:

  1. It’s more sustainable
  2. You’re guaranteed better quality, durable products
  3. It’s a more exclusive product
  4. You will be supporting a local business

Sustainability

As concern grows for the state of our planet and companies begin to realize the impact mass-production has on the world, opting for sustainable options is a growing trend. Sourcing sustainable materials will reduce your carbon footprint, as low production costs and more ethically sourced materials will usually form the basis of a handcrafted clothing company. In addition, you will avoid investing in larger conglomerates who mass produce clothing items that will usually result in incredibly high wastage numbers, with deadstock clothing that ends up in the landfill if it isn’t sold. In fact, 30% of items made are never sold. That translates into almost 13 million tonnes of clothing sent to landfill annually.

Better quality & durability

As the clothing is being handmade, far more attention to detail will be involved in the process of making the clothes. This will root from where the materials are sourced, right down to the final product quality check. As the item will pass through the hands of those who make the goods, extra care will be taken in sourcing the materials as traders seek locally sourced, good quality materials that will stand the test of time. The human eye has far more capability to judge the quality and look of an item, and experts in the trade will also be able to use their knowledge to assure the fabrics used for their clothing is both durable and strong.

As the item of clothing will be made from start to finish under the careful eye of a dedicated team who will put effort, care and time into every piece, you will be able to feel the difference in quality. This compares drastically to fast fashion involving mass-produced items that cannot be quality assured, produced by machines or people often working in poor conditions.

More exclusive product

Exclusivity is also guaranteed with high quality, handmade items. This is because far less clothing is produced when an item is handmade due to how long it takes. It will avoid wastage and will mean you are investing in a far more bespoke, unique product that cannot be picked up anywhere. Usually, it will have been exclusively designed for that company, with designers overseeing the crafting process to ensure the item is just right. Companies such as Gloverall pride themselves on offering exclusivity alongside quality with every product, with key pieces that will stand the test of time and remain a staple for your wardrobe through all the fads and trends that come and go.

Supporting local trade

Another real draw and positive of embracing the handcrafted clothing option is that you will not only be investing in an item of clothing but investing in a story. You will be supporting a local business, most likely, and therefore, somebody’s livelihood. You will feel good about making an active decision to say no to an impersonal shopping experience. By opting for high quality, handcrafted options, you will learn the story of the item, and will usually be able to find out where the material was sourced from at the point of purchase, if not before.

Similarly, you will know you are supporting those who spent time and expert care on the very piece of clothing you are wearing. This too will impact the way you treat the product, as you will treat it with the same care, love and respect that the item of clothing has been given since its creation on the designer’s drawing board. You will get that feel-good factor every time you wear it.

3 Ways Your Restaurant Can Make More Money, Today

3 Ways Your Restaurant Can Make More Money, Today

Restaurants today face a steep uphill battle: it’s always been a tough industry, but it’s only getting harder. Foodies have never had more choices of where to eat between the explosion of new restaurants and food trucks, so there’s a crowded field competing for their attention and food dollar.

Here are three things you can do which will help drive profit for your restaurant today.

1. Employee Scheduling Software

New employee scheduling software creates schedules all staff will love, and in up to 80% less time than it would otherwise take. This makes a frustrating task easier to perform, but also keeps your employees focused on the tasks that are most useful to the restaurant. It also helps with labor compliance, and saves your restaurant between 1-3% in labor costs, often one of the biggest financial drains restaurants face.

Employee scheduling software lets managers receive feedback from employees after every shift, so they might suggest menu pricing tips to increase your profits or other ideas that you can incorporate right away.

It’s important to let your frontline workers tell you about their perspective; they have unique and invaluable insights nobody else in your business is positioned to see. Employee scheduling software lets your staff submit their feedback anonymously if they chose, so they feel more comfortable speaking candidly.

2. Smart Promotion

Social media has given restaurants a free and powerful tool they can use to let the neighborhood and beyond know what’s going on inside their kitchen. Every restaurant is different, and how you choose to present yourself online needs to be based on your own identity and other circumstances unique to your restaurant.

But once you have your voice, it’s an invaluable tool for gaining public exposure for your restaurant. Be sure to depict your restaurant and food accurately — you don’t want people to leave your restaurant disappointed at the mismatch between your promotion and reality. On the other hand, you want to attract the people who really will love the restaurant once they’re inside it. Give them an accurate preview, so they’re motivated to try your restaurant.

3. Create a Fitting Digital Presence

The trend now for restaurants is undeniable: people are most likely to order food if they can do so through their phone or their computer. Maybe people are just used to doing everything through their phone, but whether it’s to consult a review before dining, calling or booking a reservation through a website or app, or actually ordering the food itself to your door, any restaurant is sinfully negligent if they don’t have a strong online presence.

Be sure you have a website or app that matches the needs and wants of your clientele. If you give them a means of interacting with your restaurant in the way that suits them best, you’ll love the financial return that inevitably follows.

If your restaurant can use modern technology like the latest employee scheduling software, social media, and website or an app, you’ll get the important boost your restaurant needs to stay competitive in this notoriously difficult industry.

Are You Getting the Most Out of Your Sales Team?

Are You Getting the Most Out of Your Sales Team?

Source: Unsplash | Austin Distel

Sales are at the heart of what most businesses do, and without a strong sales team, even the best products in the world won’t reach their intended market. But getting the most out of your sales team is a fine art, one that requires a mix of technological savvy, emotional intelligence, and people skills.

If you want to improve the overall performance of your sales team this year, here are a few things you can do to encourage more effective engagement, better use of leads, and a more collaborative approach to sales.

Invest in Lead Management Tools

Sales is all about reaching people, which is why most sales teams have access to a significant number of sales tools to help them generate leads and cultivate them effectively. Sorting leads and determining which are the most promising is time-consuming, and it is all too common for sales reps to spend precious calling time trying to decide which lead to contact next.

When it comes to making sales more streamlined, sales engagement platforms are one of the most effective ways to ensure your sales team can focus on what it does best: talking to potential customers.

Sales engagement platforms use a variety of different time-saving tools, such as queue-based lead routing, auto-dialing, and automatic email population to ensure that your sales reps are automatically being fed the best lead possible, which means they don’t have to spend a lot of time deciding who to call next.

If you think your sales team could benefit from a more streamlined approach to lead routing, you can learn more at VanillaSoft about the benefits of integrating a sales engagement platform into your operations.

Foster a More Collaborative Approach to Sales

There is a common misunderstanding in the world of sales that you can get the most out of your team by encouraging competition between sales reps. Films like Glengarry Glen Ross portray sales as a dog-eat-dog world in which every representative is fighting for their slice of the pie, and while this might make for good cinema, it’s a terrible way to run a sales team.

When reps compete against each other, they think about personal success first, and success of the firm second. But any experienced team manager or business owner knows that it is the bottom line of the company that matters most; incentivizing your staff to withhold valuable information from each other in the hopes that it will give them an edge is a poor way to encourage overall profits.

Instead, you should encourage your team to work together by sharing information and pooling talents to maximize the total number of sales. This will not only increase the likelihood of an increase in overall business, but it will also foster a more pleasant work environment, which makes employee retention much easier.

A well-functioning sales team is one of the biggest assets a business can have. Making sure that your team is operating at the highest possible efficiency means investing in the tools and training that will unlock your staff’s full potential.

If you believe your sales team isn’t performing as well as it could, upgrading to a sales engagement platform, and encouraging a more collaborative workplace are all proven methods for taking your sales team to the next level.

Top African Nations You Need To See This Year

Top African Nations You Need To See This Year

Source: Gabriel Le Naour on Pixabay

Africa has always been a continent of contrasts. With so many unique countries and different cultures in one area, it’s easy to see why it can be one of the most interesting places to visit for those looking for a bit of a challenge. If you haven’t explored any of Africa before, this handy guide to the top African nations to add to your must visit list will surely help you make some decisions regarding where you really want to visit and the challenges you may face there. It’s the ideal first timers guide to the African continent. 

Egypt

Egypt may have a bit of bad press in the media due to different problems that arise throughout the country, but don’t let that stop you from heading over there. The reality is that almost every incident is isolated, with increased security and crackdowns with regard to any potential issue that comes up. Egypt is one of the most unique places to visit, with the pyramids, Luxor, Aswan and Abu Simbel just waiting to be visited. For great coastal areas, check out Hurghada, Marsa Alam, or Dahab on the Red Sea coast off the Sinai if you want something a bit less resort-based. 

Take a trip into the Western Desert to visit the likes of the Black and White Deserts near Bahariya, but if you a really unique experience, check out the small village of Siwa Oasis, toward the Libyan border. This small town is home to a natural spring that you can swim in which is purported to have been one of Queen Cleopatra’s favourite relaxation places. Additionally, the old village of Siwa, made of mud and built into a hillside, is home to an old Oracle palace which was often frequented by Alexander the Great. Sounds pretty cool, right? 

Morocco

Morocco is another northern Africa nation which is an absolute delight to visit. Morocco, located on the northwestern coast of Africa, just across the Strait of Gibraltar from Spain is a Muslim country that is quite similar to Egypt, but with slightly different influences given its time as both Spanish and French colonies. The Atlas Mountain range is a great place to do some hiking, and you will likely have to traverse it in order to access the Sahara out in towns like Merzouga where you can go on overnight Sahara tours with Berber tribespeople into the dunes and stay in a traditional Berber camp. 

If you’re looking for an interesting experience though, why not consider stopping off in Marrakesh to visit the souks – a maze-like collection of covered shops and cafes that take twists and turns deep into the backstreets of the city, offering up almost anything you could possibly want to get your hands on. As an added bonus, you can stay in riads (guesthouses) within the souks themselves, making for the perfect place to stop off overnight. Try a traditional hammam (steam bath) with various types of scrubs if you want to experience the cleanest skin you will probably ever have. For those looking to experience the real life side to Morocco, head up to Fes to take a tour of the leather dyeing vats. Book yourself a cheap flight to Morocco and get ready for a fantastic experience.

Kenya

Kenya has long been one of the most popular and developed of the African nations, meaning many people who are looking for the ultimate holiday experience often will think of Kenya well in advance as one of their potential stops. Chances are that Nairobi will be your first port of call and while some people may not think that it has much to offer, nothing could be further from the truth. With Nairobi National Park offering fantastic safari options, Kenyan Bomas (traditional tribal homes) on display in the Bomas Tourist Village and other nearby attractions including the Karuna forest, it’s easy to see why staying a night or two in Nairobi is a great idea.

If you’re looking for a great safari nation, Kenya is it. The Maasai Mara National Park in the south towards the border with Tanzania is a perfect area in which to explore the wildlife of the country. For the beach lovers, Mombasa on the coast is one of the most ideal places to head, with a whole variety of beautiful resorts and stretches of white beaches with lots of opportunity for watersports such as kitesurfing, windsurfing, diving and more.

So if you’ve been looking for a challenging but interesting trip, consider one of these awesome African destinations. There are so many to choose from, but these three are some of the best with some of the higher levels of tourist infrastructure in place. So book yourself a trip today – you’re in for the trip of a lifetime!

 

Taking Care of Every Family Member: A Guide

Taking Care of Every Family Member: A Guide

Having a family is a hugely rewarding experience, but it is also definitely no shortage of work. Raising a happy and healthy family takes time, dedication, sacrifice, and patience. Of course, every parent wants to ensure their children are happy and living a stress-free life, but raising a joyful and connected family means more than just focusing on your kids.

Too often, parents (especially new parents) can lose themselves in their children and not take enough time to connect with their partners, take care of their pets, remain in contact with their friends, or focus on their own needs. While parents obviously should be taking time to focus on their kids, maintaining relationships, and enriching their own lives will ultimately help the entire family stay connected and happy together. Families like the Brady Bunch may make it look easy because it is television after all, but it takes a lot of effort to maintain in reality.

Here are some tips on how to keep yourself, your partner, your kids, and your furry family members healthy and happy.

Your partner

Often, couples can lose that spark once the kids come along. The busy lifestyle that follows children can make it tough to carve out romantic time, between working, raising kids, and dealing with all the responsibilities of home ownership, other family members, and adulthood in general. It is important to take time for each other, though, and reconnect at least once a day to check in on each other and see how they are doing.

Having a scheduled date night might sound boring, because what kind of romance is scheduled? In reality, it might be the only way to get each other’s full attention, especially if you are both working and busy. Plan at least one night each week where you call a babysitter for the kids and do something you and your partner will both enjoy. This could be going for dinner and a movie (perhaps something a bit more adult even?) or going for drinks at a spot in the city and catching a show afterward. It could mean taking a class together that you have always wanted to try because trying new things together is a great way to have fun and possibly even learn something new about each other. It could mean going to a spa and totally unwinding and relaxing with a couples massage, followed by a dip in the hot tub. It could even mean staying in (because family life is exhausting!) and having a quiet, romantic night at home catching up on your favorite Netflix series, ordering delivery, and cracking open a bottle of wine.

Your kids

Every parent wants their child to grow up happy and healthy, with good habits and the ability to make the right decisions for themselves. Spending quality time together every day, encouraging them to communicate their feelings, and setting boundaries are all important when raising children.

Ask them about their day at school and exchange stories over family dinners to help understand their lives, and them yours. Plan family activities and playtime to encourage fun, emphasize health and fitness, and make memories. Establish routines, like bedtime routines, where you can connect and reflect together.

There are also the less fun tasks that unfortunately need to be done, but will pay off in the long run. Establishing rules and guidelines will help your children keep their behavior in check and also help them feel safe and secure. Children need limits in order to thrive, so make sure if you set a rule, you stick to it. Teaching responsibility and self-discipline is important at a young age, so when they grow up, they have the knowledge to make good choices.

Your pets

You can’t overlook your furry friends as part of the family! Anyone with a pet knows that they truly are like another family member, and you want to make sure you give them the best quality of life you can. Ensuring you give your dog or cat plenty of attention, love, and attention will keep them happy, but it’s not all you need to do.

Keeping an eye on your pet’s health will help them live full lives. Regular vet visits (annually, or semi-annually for senior animals) are good ways to make sure their health is in good shape and can help catch early signs of disease or illness. Paying attention to their diet and weight will also keep them healthy. Quality pet food, as well as liquid vitamins for dogs and cats, is necessary to avoid preventable health issues. Giving them plenty of exercise by taking dogs for walks once or twice a day and playing with cats for at least 20 minutes a day will help keep them active.

Yourself

Don’t forget that you are just as important as every other member of your family. Parenting is challenging, cultivating a successful relationship can be difficult at times, and the overall stresses of life can take its toll as well. You have already gotten this far, and that is a major achievement, so cut yourself some slack in times of hardship because you’re doing great!

Taking time for yourself is vital to keeping yourself and your family happy. If you’re happy, your family will feed off of that vibe. Think about what you used to do in your downtime before you had kids and consider if those activities still bring you joy. Maybe you went on long bike rides while blasting your favorite tunes through a mini speaker, possibly even singing along and not caring who heard you. Maybe you curled up with a good book and read for hours on end, ignoring the hustle and bustle of life around you while you immerse yourself in another world. Maybe you recharged by going out with friends, having a few drinks or grabbing delicious food, and gossiped all night or watched the game together.

Whatever the case, take time at least once a week to do these activities again and have some good old fashioned “you” time. Practicing self-care and unwinding from the stresses of life is important, not just for your own sanity and mental health, but to show your children that taking care of their own needs is just as important as taking care of the needs of others. It can help them build good habits and self-esteem if they see you doing it too.

Journey to Financial Freedom

Journey to Financial Freedom

Source: Unsplash | Bram Naus

Have you been working for a while to reduce your debt? Many people around the world continuously have debt stare them in the face day after day. While this is a common problem for most people, maybe you are one of the relatively few people that are working on getting your debt under control.

Keeping on Track Despite Obstacles

Even the best-laid plans have obstacles from time to time. For example, one family was just about out of the hole of debt. They had been working at their goal for several years.

Once they got the initial shock from the amount of self-discipline that it takes to get out of debt out of their system, the family slowly but surely climbed their way out of the hole.

They were at the surface of the black hole and almost free. The dad was driving on I-80 coming home from work and was involved in a car accident. He was injured and hospitalized for a little while. All their years of hard work of getting out of debt made the situation a bit easier, but with him not bringing home a paycheck, the debt was starting to mount up quickly.

While it was a huge disappointment for the family, they did look for personal injury lawyers Utah drivers trust and chose a good one. This lawyer helped them recover some of their losses. It took some time, but they did get back on their feet again and finished their climb out of debt.

As you can see from the experience of this family, unexpected things happen in life. It is important not to let the unexpected take control of your financial situation. Seek out whatever legal remedy you can and keep the goal of being debt-free in focus.

As with any project in life, the project of reducing your debt takes a lot of self-discipline. You need to continually analyze what is essential to buy or not. Let us consider a few tips that may help to lessen your debt even faster.

  • Put away the credit cards.Carrying around credit cards can encourage debt because you do not see the cash leaving your wallet.
  • Stop going through the drive-thru.The drive-thru at a fast food restaurant is very convenient. The convenience makes us not realize how much money we are spending. Take a drink and snack with you from home to save money.
  • When you are eating out, order water to drink.It is not really possible for most people to banish all eating out, so on those special occasions where you choose to eat out save a few bucks and drink water.
  • Know where your money is going.It is essential to keep your receipts and add the expenses to a spreadsheet. In this way, you will know exactly where your money is going and can make adjustments to your spending habits.

These are just a few suggestions to help you climb out of debt. As you are taking the momentous climb up the mountain, set little goals for yourself. Once you attain your goal, have a small, inexpensive reward system in place. This reward system will give you the encouragement you need to keep going.

Financial Freedom and You

The burden of being in debt can be very overwhelming and depressing. Going through the process of climbing out of the hole of debt is very educational and worth the climb. The slope of your climb may be steep and very uncomfortable, which may leave you feeling distressed at times. However, you do well to keep the hope of being debt-free alive. Remember, the feeling of being debt-free is uplifting, builds confidence and it is financial freedom from the enslavement of debt.

No matter where you are in the process of climbing out of your mountain of debt, keep going. If you are just starting your journey to financial freedom, lace up your bootstraps and get ready, it is a long walk. Whenever you are tiring out, remind yourself of the goal, and you are closer now than when you started. Keep going! You are going to make it to the top and have financial freedom.

How to Make Money While Making Space in Your Home

How to Make Money While Making Space in Your Home

Minimalism is one of the big fads taking over cities around the world — it could be because people tend to live in smaller homes as cities become more dense, or maybe because physically eliminating what’s unnecessary in our life feels good. It could be a combination of the physical and psychological.

But in either case, here are some ways that you can make money by cleaning out your apartment.

Sell What’s Valuable

Do you have valuables that you don’t actually use? It could be anything from old jewellery you don’t wear, antique coins, or even designer hand bags. If the cash is worth more to you than these physical objects, sell them.

Look to find a gold buyer that has been in operation for years — this is an indication that they’re trustworthy and reliable. They should make it a point to be transparent about the market rates for gold or for whatever you’re selling, and should give you the highest rate possible.

Quality gold buyers will offer you free appraisals, so even if you don’t want to sell your valuables now, at least you’ll know how much it’s worth. You can click here to learn more about how gold buyers operate, and about all the other valuables they purchase aside from gold, such as watches.

Hold a Garage Sale

Holding a garage sale is a classic way to give your old possessions a meaningful second life! It also helps the community, because it gives them a chance to buy things at a much lower rate than they’d find at a store.

If you live in a house you can simply arrange all the objects on the lawn, with either a sticker indicating the price or some kind of storage. If you live in an apartment building or a condo, you can post signs in communal areas advertising your wares, and how much they’re selling for. Leave your phone number, so your neighbours have a way to reach you.

Sell Online

Sometimes what you find in your home isn’t gold, but it’s worth the price of gold to someone else! Before you throw out something that doesn’t hold value to you, consider what it might be worth to somebody else.

The internet has many websites that let you sell things, and that’s a very simple way to connect with somebody looking to buy what you have. When you post an object for sale, describe it fully and accurately, especially about what condition it’s in.

If a prospective buyer finally comes to your home to buy what you’re selling only to balk because it’s in worse condition than the advertisement conveyed, it’s just a waste of everybody’s time. Never misrepresent what you’re selling.

Getting rid of unnecessary things in your home gives you more space to live, and encourages feelings of calmness and serenity. If you follow these tips, not only will you be living in a home with less clutter, you’ll also have more money in your pocket.

Adapt Your Investments to Capitalize on the Crash

Adapt Your Investments to Capitalize on the Crash

A strong portfolio is a diverse portfolio. If you’re going to get ahead of the crowd in today’s economy, you need an investment portfolio that can handle the shocks and surprises that the world is coming to expect.

Since the 2008 recession, investor confidence in the global financial system has remained low. Stock markets have been bullish for years, but many have their doubts about the strength of the economies underpinning that growth. Many believe that bad auto loans in the US could trigger another debt crisis, while growing household debt, stagnant wages, and increasing worker precarity could prove to be even bigger issues across Western economies that haven’t yet seen a recession in the new economy.

Diversification means allocating assets in a way that decreases exposure to risk, protecting your money from uncertainty. But is that all diversification should do? With the right moves, you can adapt your investments to grow during times of crisis. It just might mean taking a more active interest in your money, and thinking hard about your goals. What can you do to protect and grow your finances even in the midst of a crisis?

1) Invest in Gold

Gold prices correlate negatively to share prices; when share prices go into a tailspin, investors move their money into gold as a safe haven. The pressure pushes gold up, and if you want to enjoy the benefits, you need to own gold ahead of the crowd. Gold is very much influenced by the perceptions and sentiments of investors.

Generally speaking, gold is not going to be the money-maker in your portfolio, but once it does move into that position, the benefits can be huge. Gold bull markets tend to happen when inflation is out of control or stock markets are too volatile to make money.

You can buy your gold from a proper online dealer conveniently and securely.

2) Buy Shares After Crashes

Gold’s negative correlation to shares should be your secret weapon to wealth building. As share prices fall and gold prices rise, their proportion in your portfolio will become imbalanced. Rebalancing after a crash will put you in a position not many other investors will get to enjoy; capitalized to buy shares at low prices.

While other investors, still nervous about the volatility that follows market crashes (it can take years for markets to recover), you will now have excess gold that others will be eager to buy at higher prices. You can use that cash injection to snap up shares at low prices and enjoy better returns from the recovery that follows.

3) Use Dollar Cost Averaging

Sometimes you wind up with a windfall, such as a holiday bonus or a tax return. It can be tempting to invest all at once, but there is always a risk associated with timing your investments. Prices could fall six months from now, or they could be higher in a matter of weeks.

Dollar cost averaging means investing a fixed amount of a particular investment on a set schedule. This spreads the risks of timing your investments.

With these strategies in hand, you should have no trouble diversifying the smart way.