Author Archives: admin
Author Archives: admin
Owning a home for the first time (or just a new home if you’ve purchased before) can be an exciting yet daunting phenomenon. To help ease with the stress and potential worries, we’ve compiled five facts all homeowners should know. Also, we should preface this with the fact that while no one’s experiences are the same, it’s helpful to have a guide, even if it may not apply to you.
1. Stick to Your Budget
This one may seem obvious, but is harder to do than meets the eye. Set yourself a reasonable budget before you begin searching for you new home. This will help eliminate certain properties from the search, because it’s best not to shop out of your price range to begin with. Ultimately, sticking to what you can comfortably afford (key word: comfortably) will ensure you have more wiggle room for home maintenance, decor and actually living in the long run.
This is an important step in purchasing a new home, and should occur before you even start looking. Basically, the process involves providing your financial information such as income, debts and credit history to a mortgage lender who will in turn give you a letter with a statement of your likely approved spending amount. It’s a great advantage to have when negotiating with sellers, but it shouldn’t be considered a slam dunk. Just because you’re pre-approved doesn’t necessarily mean that closing a deal will be quick and simple, but it sure helps.
3. Home Maintenance is Important
Not to mention costly. Unlike a rental property, when the landlord will take care of all those pesky fixes, a property that’s yours requires maintenance out of your own pocket. Be prepared to take care of your home – after all, you did just spend your life savings on it, you want to maintain it and keep it in the best condition for both your living situation and if you wish to sell in the future. Apply common sense, too – older homes will require more maintenance at higher costs, while newer generally require less. Be sure to set some funds aside allocated to these types of costs.
4. Don’t Splurge on Furnishing
You just spent your life’s savings on a new house, you want it to look fabulous and feel like a home. We get it. But be reasonable with your spending. Purchase the essentials, and maybe a few nice things that will help bring that homey feel to your new place. Anything else can wait. Pick out the expensive luxuries you want and work hard to save for them. This will ensure that you can actually live in and enjoy your new home without any unnecessary added financial pressure.
5. Home Insurance
Get home insurance, immediately. This isn’t one of those things you can put off until there’s enough money to spend on it – obviously, seeing as your mortgage broker requires you to buy it. However, you might also need life insurance and/or disability-income insurance to cover and protect a partner or child who may count on your income, should something unpredictable happen to you and your wellbeing. Consider also car insurance or any other legal protection policies you may require, particularly if you’re a sole proprietor (self-employed) with less asset cover.
Now you can go forth and fulfil your homeowner dreams with all you should know fresh in your mind. Good luck!
If you’re looking for a relatively cheap travel option that will also whisk you away to tropical beaches, an array of rich culture and one of the best countries to visit in Southeast Asia, Thailand may be just what you’re looking for. However, there’s a few things you should keep in mind before you go. Here’s five facts about Thailand travel to help you plan your trip.
1. Best time to go: Thailand weather is broken down to two main seasons, known as the wet (or low) and the dry (or high) seasons. The dry season occurs between November and March and the wet from July through to October. With a generally warm year-round climate overall, it’s still best to make sure weather conditions are right for what you want to do before you go. For example, in peak seasons like Christmas time there will be far more tourists and higher costs, while some places close in the wet seasons due to storms.
2. What to wear: It’s important to respect the Thailand culture when visiting. Though you could wear flip-flops(rubber soled shoes) just about anywhere, there are some cultural factors to consider. Visiting temples, ruins or sacred places requires covering the entirety of your arms and legs with longer clothing as a sign of respect. In areas such as public beaches and swimming pools, swimwear such as bikinis are fine to wear, but clothing that surpasses your knees and shoulders must be worn in other public places.
3. What to do: There’s plenty to see and do in the beautiful land of Thailand. You can partake in jungle trekking, visit National Parks or museums, seek out elephant sanctuaries, take a tour of the many tropical islands (and maybe even scuba-dive, this is offered particularly at the Similan islands), go shopping at one of the many floating markets, explore one of the cities or visit ancient temples and ruins. Bear in mind that these things will cost a range of different prices, and some involving hiring drivers or tour-guides.
4. Laws:Beware of Thailand’s laws and safety before you go to ensure you don’t wind up getting yourself into trouble.The people in Thailand have immense respect for their king and it is illegal to badmouth their king or deface him (so avoid stepping on any money). Drugs are strictly illegal, and the worst-case scenario is the death penalty, while you must be at least 20 years old in Thailand to legally consume alcohol, and carry your ID with you everywhere you go.
5. Watch out for: Thailand culture frowns upon public displays of affection, no matter who you are, so do not engage in such behaviour on the streets. It is not safe for tourists to drink the tap water in Thailand, so make sure you only drink bottled water. Watch out for scams when hiring motorcycles or jet skis and only hire them from well-known places otherwise they may not be in a safe condition. And lastly, beware of some lovely females on the streets and in bars who may not be as female as they seem.
Thailand is a beautiful place to travel, and we hope these facts and tips help you plan a trip to the beautiful, tropical beaches to smile with the locals and enjoy a relaxing or adventure-filled holiday.
The South American country of Peru is well-known and highly visited for its ancient ruins and the Inca trail. However, there’s so much more to see during a stay like the Amazon rainforest, diverse geography, art, festivals and ancient culture, and the costs are relatively inexpensive. Convinced, yet? If not, here are five facts about Peru.
Getting around Peru is actually relatively easy, with an array of options available. Lima has intra-city buses that operate well towards museums and the suburbs and microbuses are available but vary on distances. Uber is also available in Lima, Cusco, and Arequipa which is a great way to save some cash on travel. Registered taxis are another option, but avoid unlicensed taxis. There are also cruises in the Amazon region, and boats and planes are another great way to get around.
2. Hiking and Walking
If you do want to tackle the difficult but rewarding Inca trail to Machu Picchu, be sure to plan ahead and make a booking well in advance as it’s highly popular and spots do get snapped up. The winding, multiple day hike is well worth it though as you meander the trail of the Incas through ancient ruins and mountainous jungle. There’s plenty of other hiking and walking available in the country that’s less strenuous such as the Cola Canyon, the deepest in the world, Iquitos – a city amidst the rainforest for jungle exploration, or perhaps Arequipa known as the White City for its construction from white volcanic ash.
Unknown to most, Peru is home to thousands of wildlife species. In the PacayaSamiria National Reserve (north of the Amazon jungle) alone, there is immense biodiversity with many of species of mammals, birds, reptiles and aquatic life as well as flora and fauna. Particularly impressive is the pink river dolphin, for which there are opportunities to swim with, the spider monkeys in the jungle and the jaguar. In the south of Peru known as Paracas, you can even spot sea lions and penguins perched along the river banks.
Aside from all the hiking and walking, Peru does offer some elements of relaxation in its vast landscape. Beautiful beaches dot the coast, with surfing facilities among other watersports available for your leisure. A great well-known spot for this type of activity is Mancora beach, which experiences constant sunshine throughout the year and suitable waves for surfing. On the other end of the spectrum is a beautiful desert oasis in Huacachina for a perfect relaxing destination by the lagoon, surrounded by palm trees, with sandboarding and sandbuggies on offer nearby.
5. Safety and Altitude
Due to the mostly mountainous terrain of Peru, altitude sickness should be taken into account. Particularly if you’re traveling to Machu Picchu, take care and keep hydrated with bottled water, lower your alcohol intake, and rest well to help prevent illness. Where safety is concerned, some parts of Peru are subject to violent crime and civil unrest and should be avoided during a trip. It’s best to try not to venture out alone after dark, and stay away from areas within 25km of the Colombian and Ecquardorian borders at non-official checkpoints.
And there you have it! Some added information about Peru and its wondrous culture and landscape that make it well worth a visit.
Nutrition is something which we all wonder and worry about, but few of us really understand. The constant bombardment of advertisements and helpful’ information from less than trusted sources can end up confusing and frustrating us.
Fortunately, nutrition is one of the things where we can see a massive improvement in our lives by just keeping a few key factors in mind. In this article we list 5 facts about nutrition everyone should know.
The struggle against being overweight is everywhere, especially for those us lucky enough to be born in developed nations. Figuring out exactly what you need to do to lose weight, and how much exercise you need to do, can be a difficult task.
The simplest way to understand your situation is to pay attention to the calories in, calories out method. For this, you need to understand that an average man needs around 2,500kcal energy a day to maintain their current weight, whereas the average woman needs around 2,000kcal. As long as at the end of the day, you measure and understand this number it can be a lot easier to measure your portions and help prevent overeating.
Remember – exercise is great at eliminating a few extra calories for the day as well!
So you’ve read the paragraph above and feel ready to jump in? Not so fast!
The key component of calories is the nutrition which can be found within. Some foods, often natural and unprocessed foods, offer calories full of both macro and micronutrients, in combinations which only help your body perform. Other foods might contain the same amount of calories as these, but without the nutritional benefit. These are what we refer to as empty calories.
A great example of these is corn-chips. We love them, I love them, but these chips offer an enormous amount of calories with very little nutritional benefits.
There are entire rows of supermarket shelves, and constant advisements on the radio, the internet, and T.V about various supplements which claim to help give you the nutrients you might be missing.
Take a pill, cover your bases, right? It’s actually not quite that simple. While these nutritional supplements may contain the very nutrition your body is lacking they often can’t be absorbed properly by the body.
We evolved to gain nutrition from food, not pills, so be wary of trusting the claims from these pills, and make sure to do some research before you buy. Some of them can pass right through you without doing much at all.
Fruit juice is delicious and makes a great side to breakfast. It also usually contains an incredibly high amount of sugar. This can be difficult for the body to process and can create sugar-highs which aren’t great for you, or your body.
Be sure to check the nutritional information before you buy these products, and try to go for natural and unsweetened juice. This stuff can come with only the sugar which is naturally produced by the fruit, which is easier to process and better overall for your health.
GMO’s have earned a bad reputation over the years. Sometimes this is earned, other times it is through pushers of pseudoscience, or through the shady business practices of the companies themselves.
What you need to know is that a food being GMO does not automatically mean it is bad for you, or the environment.
A great example of this is golden rice, created by modifications performed by Swiss scientists. This type of rice contains an extra antioxidant which the body can metabolize into vitamin A, giving it a decided advantage over some garden-variety types of rice.
Remember – if you are unsure then you should be sure to do some research, and keep in mind proper authoritative sources.
In order to create a satisfying and mouth-watering slow cooked meal, it’s important to understand some crucial facts about cooking in your crockpot. Luckily, we’ve covered five simple facts that will help you use your crockpot to the best of its ability and produce delicious slow-cooked meals for the whole family to enjoy.
1. What to cook:
The most commonly asked question when cooking in a crockpot, is what order to put things in. If you’re slow cooking some meat and vegetables, a good general rule of thumb is to put firmer, root vegetables such as potatoes and carrots in the base and lay the meat on top. It’s also important to choose the right meat for crockpot cooking, which is fattier and tougher meats that will turn tender and retain moisture and remain juicy, over leaner meats that are likely to dry out.
On most models of crockpot, cooking on a low setting such as 170 degrees F will take about double the time of cooking on a high one, such as 280 degrees F. Be sure to use the right temperature for the right contents, and avoid being in the Danger Zone for too long (bacteria thrive between temperatures of 40 and 140 degrees F). This also applies to using frozen food, which should be avoided at all costs unless it is a prepackaged slow cooker meal which is suitable, provided instructions are followed properly.
If your crockpot was accidently unplugged, or you forgot to turn it on, or you tried to cook on the warm setting, then the food you used will be no good. It all goes back to the Danger Zone, and if your crockpot wasn’t on the correct setting, it’s likely that the content has been sitting between 40 and 140 degrees F for far too long. If this is the case, your best bet is to throw out the food and start from scratch.
4. Keep the lid on
The biggest rookie mistake when using a crockpot is taking the lid off during cooking. Keep in mind that each time the lid is removed; this will add an extra 15 to 20 minutes of cooking to your already lengthy cooking time. Crockpots work best when left alone for the correct time period, and when intervening such as stirring is not conducted. Any interruption will simply slow down the cooking (and not in a good way).
5. Take care of it
Like anything, your crockpot should be properly looked after to prolong its life. Crockpots are constructed with a ceramic insert, which should not be exposed to drastic changes in temperature otherwise it will likely crack. This means avoid putting the hot crockpot or ceramic insert straight onto a cold surface like the kitchen counter. It’s a good idea to lay out a dishtowel before placing the crockpot on the surface. This also applies the other way around – if you’ve had the insert in the fridge then ensure you let it sit to reach room temperature prior to placing it in the preheated base.
And there you have it, five helpful facts to keep in mind while crockpot cooking. Now you can prepare some tasty morsels for yourself or to serve guests.