We are living in an age dominated by innovations and technology. To live efficiently, you might use smart technologies, transportation, the latest mobile applications, and more. With all these necessities of life, people are looking for different ways that can make their lifestyle more energy-efficient. The truth is people have become more conscious when it comes to consuming energy as it saves them money as well as keep the environment green. Wonder why the majority is not living greener!
Not everyone has taken part in making their living energy efficient where everybody must contribute to it. If we all start making just one eco-friendly change from today, we would meaningfully affect the planet, our communities, and energy bills. As the quote goes like ‘be the change you want to see in the world’. Therefore, if you are willing to bring a small change from your side and want to make your home more energy-efficient, then you have come to the right place. Below in this article, we’ve mentioned a few effective ways that can help you reach your goals. If you are interested in learning about them, read till the end!
Properly Seal and Insulate Your House
The foremost important thing you should do is to improve the insulation in your house. Wondering why? In cold wintertime, if you do not have a good insulation system or properly sealed home, then you are more likely to let out a lot of your heat. As a result, it can cost you a lot of money plus it will be potentially damaging to the environment. Therefore, to prevent such situations, make sure your home is properly insulated. Either you can do this by yourself, or you can get the job done by professionals.
Use Energy Efficient Appliances
We all know for a fact that the appliances we use at home can be detrimental to our environment. While switching to energy-efficient appliances, make sure to choose air conditioner, gas heating system, heat pumps, etc. with the HE logo on them. Such appliances use less energy, which may cost you a significant amount in the beginning but save you money in the long-run. Moreover, these home appliances will have a less negative impact on our planet.
Replace Incandescent Bulbs
The average household pays 11% of its energy bill for lighting only. Traditional incandescent bulbs convert around 10% of the energy into light, while the rest 90% becomes heat. However, to resolve this issue, compact fluorescent lamps (CFLs), halogen bulbs, and light-emitting diode (LED) bulbs were introduced. They offered lasting light and are more energy-efficient as compared to old incandescent lights. Moreover, the average home would use over 40 incandescent bulbs, which can result in a significant bill. Therefore, switching to greener lights is the best way to save on hefty electrical bills as they can reduce your energy use by 50% to 75%.
Consider Solar Panels
What could be a better way to ensure energy-efficient home than installing solar panels. This can be a little expensive option to consider, but if you can afford it, they can be a great investment. Nevertheless, once you have installed them on your rooftop, they will actually cut down on your energy costs and will produce your own electricity. If you really want to save money in the long-run, then this option is something to consider.
If you want to take out handyman liability insurance, then you will know how frustrating the whole process can be. You may feel as though there are just too many options to choose from and that you can’t possibly keep up with them all. Either way, with this guide, you can be sure to find out whatever you need to know.
What Is Liability Insurance?
When you take out liability insurance, you will be covered for everything that you could be responsible for. On top of that, you will be covered for events that are out of your control. In other words, if your partner or even an employee happens to be responsible for an accident that causes damage to a third party then you can protect your livelihood. A lot of policies will cover a certain amount as standard. Usually this is between $2000-$2,000,000. The amount that you choose will be completely up to you and sometimes you can even set the terms of your policy too. When you take out this kind of cover, you are essentially going to be covered for any loss of earnings, loss of future earnings or even compensation too. It will also cover you if you have to defend the claim or if you are found to be at fault for any reason at all.
When do you Need Public Liability Insurance?
If you take out handyman liability insurance then you will be covered for a huge number of things. As mentioned above, you will be covered for personal injury to a member of the public or even to a customer. When taking out your policy, you have to make sure that you are covered for injury to the public and injury to the person who you are working for. You should have this type of cover if you are a handyman who deals with any kind of trade, regardless of how much or how little business you have.
What to Look For
If you’re not sure what to look for when taking out your insurance policy then you need to try and look for things such as public liability cover and temporary employees too. When you have this kind of cover, you will usually be covered for a certain amount of people and you will also be covered for a set duration of time too. This is ideal because if you need someone to help you out in a hurry then you don’t need to worry about your liability regarding the situation. You also need to make sure that your policy covers any working partners you have if you are registered as being in a partnership. Cover for your business stock can also be an optional extra too. If you are not sure if your insurance policy has this or not, then you can easily talk to your provider to find out more. This type of cover will protect you if any of your equipment becomes damaged during an accident, involving the public or a third party.
Owning a house is one of the most significant and most exciting accomplishments. However, with all the utilities, property taxes, and mortgage payments you have to make, it starts to feel like a burden really quick. But what if you can turn your home into an income-generating machine that can pay for itself? Here are six ways your home can give you income;
1. Rent to a film company
Film companies are always on the lookout for prime locations to shoot their movies. If your house has that homely feeling or it looks a bit haunted, you could be sitting on a goldmine. According to Locationshub.com, film companies could pay you enough money per day to clear your monthly mortgage payment.
2. Renting out a spare room
Are your kids off to college? Have you turned your attic or garage into a spare room? You can rent out space rooms to a college or exchange student who will not give you any trouble. Be sure to contact a lawyer for the paperwork and also do your due diligence to ensure they are good people.
Airbnbs are the next best thing after the internet and Uber. The app does all the hard work for you, and all you need is to prepare your home. The great thing about this is that you can rent out a few rooms or the whole house depending on how much they are offering. Use a stamp duty calculator to find out how much money you need to source out. You have to get used to sharing your haven with other people, but it’s worth it at the end of the month.
4. Rent out your parking space
If you are fortunate enough to have a house near a popular venue and you have ample driveway, you can rent it out as parking. There are plenty of parking apps like JustPark and ParkLee that you can use to advertise your driveway. Be sure to check with the authorities whether it’s legal first.
5. Add a rental suite
You may not be comfortable sharing your space with some strangers, but you can still have renters if you build a separate rental suite. Make sure the suite is self-contained with a kitchenette, bathroom, and appliances so it can fetch good money. Just like renting your driveway, ensure it’s legal to build a rental suite on your property.
6. Become a gardener
Are you blessed with a big lawn or garden? You can transform it into an organic market where you plant everything from tomatoes, green vegetables, carrots, and fresh herbs. The organic industry has grown in leaps and bounds so your vegetable garden can bring in a good income.
There is no limit to how you can utilize your home to make money. Some people decide to work from home, rent out their garages as storage, and even give out their vast front lawns for events. All you need is a bit of creativity and of course, reading such resources to get ideas.
As we hurtle towards a world of uncertainty after Brexit, now is a good time to check your finances are protected. Ask yourself the following questions right now:
1. Are you saving for a rainy day?
Let's face it, we have plenty of rainy days ahead, literally and metaphorically. If the economy shrinks, pay rises won't keep up with inflation, and the cost of living will increase. If you have savings, check they are they protected - 96% of UK savings accounts are protected by the FSCS (Financial Services Compensation Scheme). For the best protection, save no more than £83,000 per institution (the extra £2,000 allows room for interest as the upper compensation limit is £85,000 per institution). If you don't have savings, it's never too late to begin. You can start small with an app that rounds up your purchases to the next pound and deposits the difference in a savings account.
2. Are you repaying your debts in the best order?
Repay your highest interest debts first, with credit cards and loans always taking priority over student loans. This will save you money in the long run rather than paying higher interest on larger amounts. If your debts are interest-free or have similar interest rates, repay the smallest ones first so you have fewer separate debts (and see results more quickly). Also check when any promotional interest-free rates run out on credit cards or if there are any charges for repaying loans early.
3. Do you check your finances daily?
Getting into a daily habit of checking your account could reap rewards (especially if you replace your daily coffee habit with it). The sooner you spot any fraudulent transactions (e.g. if your debit card has been cloned and £500 blown on a designer watch), the more likely your bank will repay it. Most people have heard of credit scores; you can find out yours for free then work on improving it if it's not where you want it to be.
4. Could you have a mis-sold pension?
Hot on the heels of the PPI scandal is the mis-sold pension scandal with compensation payouts reaching £40m in 2018. Seek independent advice on your pension and get claims advice now, in case you are one of the growing number of people who were poorly advised by unscrupulous financial advisers.
5. Have you updated your budget lately?
Our lives can change very quickly. It pays to update your budget regularly and live by the 50-30-20 rule (50% of your income allocated to bills, groceries, commuting etc; 30% on fun and frivolities; 20% in savings, debt repayment or and investments). Also check your direct debits in case there are any that could be cancelled (cough *the gym* cough).
6. Are you about to buy a house?
If you're considering getting on the property ladder or remortgaging, consider a ten-year fixed rate mortgage. With the economy teetering on the brink of instability, spending a little more in terms of interest could reap rewards in terms of long-term security.
7. Have you consulted an independent financial advisor?
Although there are apps for this, it's still worthwhile seeking advice from an actual human being (preferably a certified independent financial advisor), especially if you have any big life changes on the horizon such as moving in together, buying property, marriage, children etc. They can conduct a financial health check and advise on protecting your assets and investments. You can also get claims advice and expertise on wills. Some workplaces offer this service for free; make sure you take advantage if they do.
In recent times, yoga became a fashionable trend. Year after year it becomes a hobby for more and more people. Nowadays, there are many various directions, specialized centers, schools, and coaches of this hobby. Anyone can choose something suitable for him or her.
PaperCheap professional authors who practice yoga for more than two years think this popularity growth to be legit and definitely not accidental. The point is about the physical and mental effect a new hobby can cause. This article appeared after the careful analysis of our authors' personal experience. They said the impact is, without doubt, tremendous.
Usually, when they write or say about the usefulness of yoga, they mean its effect on the physical health first of all. It is the fact that nobody should doubt. We know many people who used ancient Indian exercises and principles to recover after serious diseases or injuries. Nevertheless, yoga exercises can bring another value. People know much less about it. The mental effect is the aspect able to help writers improve their skill.
Actually, many newbie adepts or those who only plan to start exercising don’t even try thinking about the mental usefulness of yoga. Particularly writers lose a lot when avoiding this kind of activity. The article below will explain why the Indian practice is useful, and how exactly it brings its value.
Yoga Lets Writers Feel Well
Any correct physical exercise improves your general physical shape. For writers to be productive and creative, it is essential to have a good mood, to maintain positivity, and to feel healthy. Yoga is one of the best activities text authors can find to give them that wanted confidence.
After the writer starts practicing yoga, even such elementary things like breathing or walking begin to bring the feeling of harmony and happiness. Those are important for writers to remain inspired. You will feel your body becoming light and easy to move. There won't be the overtiredness or low energy feeling. Instead, correct exercises can charge you with that energy dose needed to live and to work on your texts creatively. Besides, after every yoga session, you'll notice it's easier to think and generate ideas.
When practicing exercises regularly, writers sooner or later will get used to feeling themselves cheerful and full of life energy. Through moderate efforts and some time spent for yoga, writers can gain the way to add some creativity and enthusiasm to their work. As a result, they write better texts.
Yoga Teaches Writers to Relax
The skill of relaxation (the ability to relax physically) is essentially crucial for any person. It is especially useful for writers, as relaxation is one of the main methods to prevent stress and negative emotions it causes. When having relaxation skills, writers can calm down quickly with a conscious effort. As a result, you prevent stress from exhausting your physical and mental resources. You also can prepare yourself to work with text or to go through any stressful situation without actually feeling depressed or anxious.
Without the relaxation skill, the writer can be unprotected from stressful factors attacking them during their job and life activities both from the inside and outside.
When practicing yoga, writers or any other people can consciously learn how to stay comforted and relaxed. There is an opinion that the ability to remain in relaxation and comfort, even in the most "uncomfortable" yoga pose will then reflect on your everyday life and professional activities. You'll stay calm, comfortable, and relaxed, even in the most robust life situations.
Yoga Lets You Be Conscious About Your Body
As a writer, have you ever thought about how vital the health of your fingers is for your work? Your typing and writing speed depends on your hands entirely. Do you take care of your high-priority instruments as intended?
Try asking a modern human where his or her "self" lives. Most probably, they'll point at their head. And if you ask some aborigine tribe members from Africa, Australia or Amazonia about it, they will look at their stomach.
The trouble of the modern human is that they live "by their head" and "from their head." They perceive their body as a useful but still secondary attribute which “fails” at the most unsuitable moments.
Yes, unfortunately, writers and other people try to pay attention to their body only when it's something wrong about it. And while it functions normally, they don't care about it at all. They dive into thoughts, memories, plans, and worries. See? People concentrate on their head.
So, here is the point. When exercising yoga, writers are to be concentrated on their body. Otherwise, nothing will be done as required. Practice makes you pay attention to your body and be careful about it during the entire training session. It’s the only way to succeed in yoga.
How is it useful for writers? Through yoga exercises, you can learn how to perceive, feel, and "hear" your body. It develops your ability to notice and understand the body, muscle memory, and experience. As a result, writers know how to sit in the right pose while working. Additionally, fiction writers can use this knowledge to describe their characters in details to add truth to their stories.
Yoga Keeps the Writer’s Mind Calm
A usual person’s state of mind can be compared with a candle flame in the wind. It is very unstable, chaotically running around because of various inner and outer factors. An average human can’t control or even notice them.
And this chaotic state of mind is the frequent reason for writers to do their job poorly. It is why people suffer and feel unsatisfied on purpose. When you try to protect your mind from "hostile" winds and "stabilize" its flame, your job and the whole life will become different. Most likely, it will turn into a calmer, more conscious, and happy process.
The main goal of yoga is essential for text authors. This practice aims towards calming your mind down, preventing your thoughts from wandering. First of all, it is not a complex of funny and useful physical exercises though most people understand it only at that level.
Yoga is the method of turning people into calmer, more balanced, and forceful personalities. It teaches you not only to generate and store energy but to use it with much higher efficiency.
People say that the best way to make sure about something is to check personally. Try making a conscious choice and practice yoga for at least three months regularly. Sooner or later, you'll start noticing positive effects stated above in this article. After that, you won't even choose whether to practice yoga or not in the future.
By the way, writers should pay special attention to their skills. Balanced, conscious, and attentive persons naturally write much better texts.