CBD Guide: 9 Important Things You Need to Know

You may be very familiar with marijuana, but you may not know that it has very many products, including CBD. CBD is generating a lot of interest, but, there’re still many lingering questions with regards to its use.

CBD stands for cannabidiol, a chemical compound found in marijuana and hemp. Manufacturers will extract it from the cannabis plant and then dilute it using certain oils like hemp seed, or oil coconut oil.

We will share with you a CBD guide on the nine important things you need to know about this product. By the end of our article, you should have a good understanding of what it is, and why it has become relevant to so many people.

Important Facts about CBD

CBD proponents have great things to say about its benefits. We will highlight some of the things you need to know below.

1. Understanding what CBD is

The cannabis plant is a marvel because you will find so many chemicals within it. Many people who use marijuana get a high from THC, which is the more common chemical. CBD is another product, and it has found a lot of use for those who may have some medical problems.

2. CBD Will not Get you High

One of the CBD facts that people miss is that CBD oil will not get you high. The chemical is not psychoactive, unlike THC, which comes from the same plant.

3. It has Medicinal Qualities

CBD has become very popular, with some people talking about its ability to manage certain medical problems. Those who use it how found relief for things like pain and inflammation, seizures, inflammatory bowel disease, anxiety, and depression. Other conditions it helps with include nausea, migraines, psychosis and mental disorders.

The conditions we have highlighted above present differently. The CBD works by helping with the symptoms, thereby providing relief for those who are suffering. The use of CBD is not only in adults; even children with epilepsy find relief from seizures through its use.

4. CBD Guide on Side Effects

While you may not get a high when you use CBD, you may experience less anxiety and more energy. You should, however, note that there’re people who’ll have some less-than-pleasant side effects. Such include nausea, fatigue, anxiety, diarrhea, dizziness, and irritability.

Other people will have mood changes, vomiting, and an increase in liver enzymes, which could lead to liver inflammation or damage. Remember, everyone will experience different results when they use CBD. If it doesn’t work for you, you may want to discontinue its use.

5. Is it Addictive?

It may not be possible to offer a definitive answer to this question. Research around CBD is still in the developmental stage, and there isn’t too much information available. Many of the studies around CBD have been on lab rats and not human beings.

A study by the World Health Organization shows that CBD doesn’t exhibit THC like effects. However, as stated above, there isn’t much human research available. We would, therefore, recommend that like any other substance, you should practice moderation when using it.

6. Some People Find that it Helps with Weight Loss

One of the interesting facts about CBD oil is in weight loss management. It is an area of great interest, and there is still a lot of research going on. There’re, however, people who’ve reported weight loss after the use of CBD.

The weight loss is as a result of a noticeable reduction in appetite, the impact on white fat in the body, reduction in stress eating and metabolic disorders among other things.

However, do remember that whether or not you will be able to lose weight on CBD oil depends on you as an individual. There’re those who’ll report weight loss, while others will not.

7. Be Careful About the Risks

CBD is not 100% risk-free, and that is why you need to be aware of the facts about CBD before you start using them. Some of the things you need to consider include:-

• The law is still not clear on CBD. While it is a supplement in some foods, skin care products, drinks among others, the Federal Food, Drug and Cosmetic Act, doesn’t allow for its sale in conventional food
• There is lack of proper labeling on most of the products in the market, so you may never quite know what you are consuming
• While it may work for some medical conditions, the supporting evidence that comes from research doesn’t exist. The lack of information could be because there is very little research on human beings.

8. What is the Best Way to Take CBD?

There’re so many ways to take CBD. You can take it as a food supplement, apply it directly on joints and muscles as an ointment, have it in edibles, or use a vape. The method you choose will depend on your preference, and why you are taking it.

A vape is fast and is good for instant pain relief. Tinctures and edibles may not work as quickly, but the effects will last for a longer time.

9. What Should you Consider when Shopping for CBD?

The conversation right now is all about CBD, and new products are coming into the market every day. It is therefore essential that when you are shopping, you take into consideration setting things including:

• Billing information – check the warnings, ingredients, FDA approval, among others.
• Third-party confirmation like quality assurance, analysis certificates, among others, will let you know that the information on the label is correct.
• How to take the CBD – look for a product that clearly shows you how to use the product. The manufacturer should tell you the dosage requirements so that you can fully benefit from its use.
• Be careful about the claims the manufacturers are making on the CBD health benefits. As a marketing gimmick, some of them will make claims that have no scientific backing.

Arm Yourself with the Necessary Knowledge

In our CBD guide above, we have shared with you factors that you need to know about the product. However, there is still a wealth of knowledge which you can use to your benefits. Visit our website for more information, before you decide whether or not you want to board the CBD wagon.

Also, make sure you find out whether it is legal in your state so that you do not get into any trouble. You will find that you cannot use CBD edibles in places like Maine, Ohio and New York.

How to Avoid Buyer’s Remorse when Shopping Online?

There’s a massive sale at a major online store, and you couldn’t resist the temptation not to shop. Thinking of the massive discounts offered, you go on a spending spree that lasts for hours. You’re happy with your purchases, for now.

A few days to a week after buying, you start to feel guilty and regret your purchases. You spent more than what you should have. Besides, you made a promise to pare down your life to the bare essentials, to simplify and declutter. Now, you feel quite off-track.

You should know, however, that you are not alone.

What you’ve just experienced is a condition known as buyer’s remorse, and approximately 82 percent of online shoppers have experienced it at least at one point in their life.

Having an addiction to online shopping is real. People can get carried away with buying items that they have not thoroughly thought through, much like having too many cocktails at a party. Like other forms of addiction, there are ways of avoiding this predicament.

Here are a few recommended strategies to avoid buyer’s regret. However, the goal with these tips is not to prevent you from shopping online altogether, but to help you weigh your options and improve your overall shopping experience.

1. Look for shops that offer change-of-mind return options.

For impulsive buyers, it is essential to find shops that provide the opportunity to return purchases. Some shops thrive on offering sales that don’t allow returns or only offer store credit as a refund. By shopping only at places that provide change-of-mind returns, you can get your money back in the event you make a mistake.

To do this, you need to check the shop’s online shopping FAQs to see what the conditions are for making returns. You can also call or email the online store to verify what their conditions are when it comes to returns and refunds.

2. Wait for a bit before checking out items in your shopping cart.

Don’t buy the moment you see something you fancy. Wait for about two days to see how you really feel about the items in your online basket to reduce the chances of you making any impulsive purchases.

Buyer’s remorse often occurs when a person buys whenever there is something new and pretty in front of them. By holding off on each purchase, you may find that you don’t want certain items anymore when you check back.

During this time, you can check your existing possessions (and budget) to see if you don’t have anything else that looks similar. If it is a piece of clothing, try to see if the item you’re interested in buying is the right size and color as well.

3. Take note of major sales.

One of the tricky aspects to holding off buying is during big sale days such as Black Friday, Christmas or Boxing Day for Australians. But if you are an avid shopper, you are already aware of such sale periods.

For weeks leading up to the sale, most businesses will advertise if they have an upcoming sale. Use this time to look into shops and what items they plan to put on sale. With discounts of up to 50 percent off for items in major outlets, this could sway you to wait for a bit longer, or you might find that you were just not that interested in the item in the first place.

4. Don’t buy for retail therapy.

One of the reasons why people have buyer’s regret is that they visit an online shop when they feel stressed or emotionally imbalanced. Much like women getting an extreme haircut after breaking off a relationship, some individuals go online shopping when they’re tired, stressed or angry. The same can be said of positive emotions as there are people who go on a spree when something wonderful has happened like getting a raise or promotion at work.

To combat impulse buying and avoid any regrets you may feel afterward, try to look at your budget before making any significant purchases. Ensure that you have enough to pay your bills first. By doing this exercise, you are activating a part of your brain that delves into the practical aspects of your purchase.

Making smarter online purchases

Online stores make it easier and more convenient to purchase anything from the comfort of your home or office. But not all online stores are equal – your choice of store to buy from directly influences your entire shopping experience. So make sure to choose an online store that offers a selection of top-quality products, ensures fast, professional delivery, and uses a secure and trusted payment gateway. By following these tips, you can go back to enjoying shopping, and actually, keep and use the stuff you buy.

AUTHOR BIO: George Azar is Co-Founder and CEO of HiCart.com. He has extensive work experience with blue chip multinational organizations on both regional and global levels. George is also the founder of companies in the fields of advertising and media buying, professional training and development.

7 Key Tips for Getting a Self-Employed Personal Loan

Are you looking for a loan when self-employed?

Finding the process more difficult than you expected?

While being self-employed comes with many benefits, the ability to get a personal loan is not one of them. Getting a personal loan can seem like an impossible task without a solid employment record to back you up. Luckily, though, as long as you follow the right tips and tricks it can be done.

Below we’ll give you our top tips for getting a personal loan when you’re self-employed.

1. Get Your Paperwork Together

One of the top things that will help you get a personal loan is to ensure that you have plenty of paperwork to show to your potential lender. The right paperwork can help you demonstrate your worthiness as a borrower.

Before applying for a loan, you should be taking thorough financial records for your business and be tracking your earnings clearly month after month. Ideally, you’ll have been in business for at least 2 years already and will have all of the financial information, bank statements, and records to show that you have a regular income.

While getting a loan is possible without extensive paperwork, it will be an uphill battle if you don’t have the right documents together.

2. Improve Other Financial Factors

When self-employed, it can be difficult to prove your income. Luckily, there are other factors that lenders may also look to for determining your reliability.

One of the top factors is your credit score. Credit scores can range between 300-850 and your score will affect how you look to lenders quite a bit. You need to know your score and learn to understand what it means. If you have a poor credit score, you may want to spend some time building it up before applying for a loan.

Other things that can help you to look more stable and reliable is if you have had a regular address for a long period of time or if you own property. You may want to get documentation to prove some of these other factors as well if they apply to you.

3. Minimize Debts

If you’re trying to get a personal loan when self-employed, you need to make sure that you do anything you can to eliminate any existing debts beforehand. If you have maxed out credit cards or other loans that you’re still paying off out it will make you seem unreliable to lenders and they will be less likely lenders will trust you with their money.

If you can, take some time to knock out a few of your current debts before applying for a new personal loan. If you do, you’ll have a greater chance of getting approved.

4. Sweeten the Deal

There are a few special things you can do that can make it more easy for lenders to trust you and approve you for a loan.

Having a co-signer or guarantor is one of the best ways you can improve your odds of getting approved. However, just make sure that you pay your loan off consistently or someone else may be liable for your debt.

Additionally, it can also be helpful to get a secured loan. With these loans, you’ll need some kind of collateral to put up against your debt such as a vehicle or property. A secured loan can be easier to get approved for since the lender will have a way to cover their losses if you neglect to keep making payments.

5. Compare Your Lenders

Another way you can improve your chance of getting approved for self-employed loans is to make sure that you compare your options thoroughly. Choosing the right lender for your situation can make all the difference when looking for a personal loan.

Traditional bank loans are only one of many options out there for getting a personal loan. Traditional banks will often be pickier than other lenders, so it’s a great idea to consider alternative options.

Credit unions are often a better choice for getting a personal loan and will often be more willing to lend to someone who is self-employed. There are also many online lenders that can be a good option. P2P lending sites can also make a good choice as well.

6. Time It Right

It’s also important to make sure that you’re ready before you start applying for loans. While you may be in need of a loan quickly, if you’re able to wait a bit it may be a good idea.

For example, if your credit score is currently low, then you may want to spend some time to build your score up before applying for a loan. You may also want to wait to apply for a loan if some other parts of your financial situation need some work.

Additionally, it’s also a good idea to wait if you haven’t been in business for yourself very long. Often, lenders like to see at least 2 years of income from self-employed individuals. Waiting until you have at least 2 years of tax returns to show lenders can help improve your chances of getting approved.

7. Be Prepared

While you should wait for the right moment to apply for a loan, once you start seeking a loan you should move fast. This means that you should have all your paperwork, collateral, or anything else that will be required by the lender together and ready.

Ideally, you should be able to move through the application process swiftly with little downtime. Having this stuff together early on can help you be more attractive to lenders and will make you seem more reliable. By having all of your paperwork and other requirements ready early on you’ll have a greater chance of getting a loan in the end.

Improving Your Chances of Finding a Loan When Self-Employed

If you’re self-employed and in search of a personal loan you may be beginning to lose hope. However, be sure that you keep the above tips in mind. By using the tips above, you’ll be more likely to get what you need despite not having a traditional employment situation.

Be sure to consider your loan options thoroughly and get all of your information together before applying. If you do, you’ll be more likely to find a great lender and get the perfect personal loan for your needs.

Stay tuned to our blog for more tips.

Not So Sleepy After All: How Can You Use CBD for Energy?

Many people believe that CBD oil is meant to relax you but what if you could use it for the energy boost you need too? We’re all guilty of reaching a certain point in the day where we hit the wall and can no longer motivate ourselves to complete our tasks.

Using CBD for energy could help you to get through the day without lagging. It can be especially useful for people with conditions that cause chronic fatigue. For example, fibromyalgia, ME or MS. So, how can CBD boost your energy levels?

The Complexities of CBD Oil

Many people misunderstand CBD because the science behind it is so complex. CBD works in conjunction with the endocannabinoid system which, among other things, has an influence on energy levels. The body naturally produces cannabinoids which interact with the endocannabinoid system. There will be times when these cannabinoids need a boost. For example, when you are unwell.

CBD will activate receptors in the endocannabinoid system, helping to restore a natural balance. Not only does a natural balance help to give you a healthy dose of energy each day but it also helps to boost your immune system, protecting you from common and easily spreadable conditions, like a cold or flu.

CBD and Your Energy

Now that you know a little bit about how CBD works, how does that affect your energy levels? Studies have shown that CBD can significantly boost energy levels when in regular use. In fact, some of the world’s top athletes are now making CBD drops part of their training routine to give them the extra boost they need.

CBD energy isn’t artificial energy- it encourages the body to energize itself. When the body becomes sluggish and low on energy, body cells become just as unmotivated. Hemp energy strengthens the body cells in order for them to produce more energy and give you the nudge that you need.

A study showed that people who have desk jobs and work on-screen every day tend to become a bit sluggish mid-afternoon. After taking CBD oil, these people found that they were more focused on their work, had deeper clarity of what they were doing and became more productive as a result. CBD oil benefits are endless.

Why Use Oil?

There are different forms of CBD oil and different strains of CBD available. You can buy CBD as a vape, take it as a tablet or even drink it as a tea. So, why choose oil instead of the rest? Simply because it’s the quickest way for the CBD to take effect. By applying a few drops under the tongue, the CBD can enter directly into the bloodstream.

Using an alternative form of taking CBD may mean you have to wait for it to be digested before it takes effect. Using CBD oil means you’ll begin to feel the effects almost immediately.

Does CBD Make You Sleepy?

You’ve probably heard that CBD oil can make you feel relaxed and even tackle mental health issues like anxiety and depression. So, how can it boost your energy at the same time? There are different strains of CBD that contain different levels of THCV which is the energizing cannabinoid.

The higher the level of THCV, the more energy you’re likely to gain. For instance, a variation of CBD oil called Durban Poison is known to be high in THCV. Using oil for this type of strain will mean the body can absorb a high percentage of the CBD.

Is it Safe?

Using CBD oil is absolutely safe and legal. There are so many benefits to it, CBD oil has become the biggest health trend on the market. Even Ben & Jerry’s are ready to release a CBD flavored ice-cream. One of the main questions people have when considering CBD oil is, ‘Will I get high?’. The answer is, no.

For CBD to have the benefits it has and to eventually enter mainstream medicine, one of the active ingredients has been removed. This ingredient, known as THC, is what gets people high when they take cannabis. There are no psychoactive ingredients in CBD oil, so you don’t have to worry about the accompanying symptoms.

Like any other form of natural medication, side effects can occur. These can include headaches, fatigue, nausea, and sickness. You should consult your doctor on the dosage before beginning to take CBD oil.

What it Can Do For You

You only have to imagine what renewed energy could do for you. For many people with chronic illnesses, it could mean a whole new lease of life. Perhaps the energy to visit family and friends or enjoy a day out.

For those who just need an energy boost, it can mean that tasks are always completed instead of left to pile up. It’s easy for the to-do list to get overwhelming and one person can’t do everything on low energy. It may mean you cook that healthy meal instead of ordering takeaway, or get to go to the gym after work.

One of the most notable benefits is that people have been reporting being noticed in work. A little bit more energy could be the difference between getting a promotion or being too tired to give your all to a project.

CBD for Energy: Will It Work For Me?

You know the benefits of CBD for energy, now it’s time to put it to the test. Will it work for you? There’s only one way to find out. And, what have you got to lose?

CBD oil is one of the biggest trends in health and wellbeing today and there are many reasons for that. So, if you know someone struggling with low energy, chronic conditions or mental health issues, CBD oil could make a huge difference.

Take a look at some more of this year’s top health tips and get yourself fighting fit.

A Guide to Understanding the Differences Between Wills and Trusts

We make a lot of decisions about the direction we want to go in our life on a daily basis. Whether we’re aiming for a big job promotion or planning for retirement, there are a lot of fun things to look forward to. But do you have a plan for what will happen to your money or the rest of your estate should you pass on?

If you don’t, you’re not alone. In fact, only 40 percent of Americans have a will or trust. Many put off post-life planning because it’s unpleasant, but many simply don’t know how a will or a trust could benefit them and their loved ones. They may not even know the difference between wills and trusts.

If you’re one of those people, you’re in the right place. Read on to learn everything you need to know about wills and trusts!

What Is a Will?

A will is a document that you create yourself or with the assistance of an attorney. Your will details exactly how you want your assets and personal property distributed after you pass. Once you have completed your will, you will need to sign it in front of one or more witnesses, depending upon the laws in your state.

A will is a living document. That means that you are able to make changes to your will throughout the rest of your life should the need arise. For example, you would amend your will if you had another child or if you acquired real property after your last will.

The only valid will upon your death is the last will you prepared, thus the common phrase “last will and testament.” Each amended will supersedes the previous version.

Will Considerations

What should you include in your will? A will can cover pretty much every conceivable thing that you have when you pass. It can even detail exactly how you would like your will to be executed.

One of the most important things you should consider is if you have minor-aged children at home, who will be your children’s’ guardian. If you do not designate a guardian for your minor children in your will, the state will appoint one for you. This person may not be who you would have chosen to raise your children.

This is something you should discuss with your partner or co-parent in the event you both should pass. You will also want to verify that your chosen guardian is prepared to take on the task of raising your children.

You will also want to think about what portion of your estate goes to your children if any portion at all. You have the option of disinheriting your children entirely if that is your wish.

Thinking about disinheriting your spouse and giving the entirety of your estate to your children? Think again if you live in a community property state. These states do not allow you to disinherit your spouse.

If you aren’t sure about how you want to structure your will, then it is important that you seek the counsel of an attorney. They can help you navigate the will creation process.

What Is a Trust?

When you create a trust, it creates a fiduciary relationship between a designated person and your beneficiaries. The designated person, often termed a trustee, administrator, or executor makes sure that your assets land in the hands of the right beneficiary.

Beneficiaries are generally people like your spouse or your children. You are not limited in who you can designate as a beneficiary. Some designate charitable organizations, cities, and even pets as beneficiaries.

Types of Trusts

There are three main types of trusts of which you should be aware.

The first type of trust is termed a revocable living trust. These are the most common type of trust and what you think of when you hear the term trust fund.

In a revocable living trust, you would be the grantor — a person who creates and funds the trust. You would also serve as the trustee during your lifetime, which basically means you would make sure that the beneficiary receives the property as necessary. You also have the authority to make any changes you feel are proper, such as adding or reducing the amount of property included in the trust, at any time.

The second type of trust is an irrevocable living trust. Once you set up this type of trust, there is nothing you can do to change it, and someone else would serve as a trustee. This type of trust has some tax benefits for wealthy people that make it worth creating over a revocable living trust.

The final type of trust is called a testamentary trust. These do not exist until you pass on, and the specifics of this type of trust is written into your will.

Essentially, this how the details of your will get executed, and it is created by the executor you designated in your will. This is why it is critically important that you choose an executor you really trust when you create your will.

Each type of trust has its benefits, and you should consider all of your options with the assistance of an attorney to make sure that all wishes and needs are met.

Wills and Trusts Are Essential

End of life planning is one of the most important things you can do to ensure that your money and property are handled exactly as you want them to be handled. Wills and trusts have separate, but equally important functions for the end of your life. Save your loved ones the stress of decision-making on your behalf and prepare your will and trust today!

Want more information that’ll help you live your best life? We’ve got you covered. Check out the rest of our blog for articles about everything from finding a divorce attorney to senior health and fitness tips.

4 Reasons Why You Should Outsource Payroll for Your Business

Are you among the 40% of small business owners who say bookkeeping and taxes are the worst bits of being an entrepreneur?

If yes, it’s understandable why you’re struggling with these functions. With thousands of pages in the U.S. tax code, even tax professionals have a hard time staying on top of things.

But as a business owner, you must pay employee dues on time and withhold the necessary taxes. If you don’t, you could face steep fines.

The good news is you don’t have to struggle with the hard stuff. Have you considered outsourcing?

Continue reading for 4 reasons you should outsource payroll.

Keep Your People Happy

Whether you pay your employees on a bi-weekly or monthly basis, nothing gets on their nerves like a delayed paycheck. They have plans, you know!

Yet, this is what’s likely to happen when you handle payroll on your own. If you don’t have time to scrutinize payroll documents, calculate every employee’s wages and bonuses, and write the checks, you will run behind schedule.

The consequence of delayed paychecks is unhappy and disgruntled employees. Their motivation will dip, and so will their productivity. This will hurt your business.

Outsourcing to a payroll service is a sure way to ensure your employees receive their dues bang on time – each time.

Focus on What You Do Best

Most small business owners wear multiple hats, and for good reason. Perhaps you’re running on a shoestring budget and you need to keep costs low.

However, handling multiple crucial business functions can take its toll. Increasingly, you’ll find that you don’t have enough time to do what you do best – which is to develop your product or service.

Outsourcing payroll takes one vital function off your table so you will have more time to be an entrepreneur.

Maintain Legal Compliance

The tax code is always changing, both at the federal and state levels.

Are you always keeping an eye on these changes? Did you know that the Tax Cuts and Jobs Acts which came into force in Dec 2017 affects small businesses in multiple ways?

If you answered no to either question, it’s clear your business is at risk of inadvertently violating the relevant laws. And when that happens, the IRS won’t hesitate to penalize you.

Avoid such mistakes by outsourcing your payroll to a professional service. These pros stay abreast of regulatory changes and will adjust your payroll to ensure the business stays compliant.

Got a Foreign Operation?

Do you have an extension of your business in a foreign country? Thumbs up! Setting an overseas operation is an ideal way to grow your company.

However, it’s one thing to run a business in the U.S., and it’s quite another to run one in another country. The laws could be vastly different.

For instance, let’s say you got a branch down in Sydney, Australia. You have to adhere to the country’s payroll laws.

If you’ve no experience doing business there, you’ll certainly run into challenges. The savvy thing you can do is outsource your payroll to a local service, such as www.payrollserviceaustralia.com.au.

Outsource Payroll and Prosper

How you manage payroll can make or break your small business. Do it well and your business will stay out of legal troubles. Do it poorly and your business will run into all kinds of problems.

What’s more, you don’t have to worry about whether you’re doing it well or poorly. Just outsource payroll and wait to reap all the benefits fleshed out above.

Keep tabs on our business section for more insights.

What to Consider When Buying a Mattress Online?

Despite the rising ease and efficiency of online shopping, there remain a few items that we may not typically consider purchasing through a website. We might often be inclined to think of mattresses this way. However, businesses have found huge success in their web-based sales as more customers turn to the internet for their mattresses. As the market continues to grow, and with advances in design, it can be somewhat overwhelming to distinguish and decide between certain elements, especially if you are not able to bounce around on the product in the store. To quell your concerns and to help you know what to expect when purchasing online, here is a guide of everything you should consider.

Trial Period

As an alternative to the quick trial in store, online retailers and makers will offer a trial period for your mattress at home. Time periods vary but will always allow a comfortable period within which to sleep on your new bed. In fact, many companies will insist on it, allowing for refunds only after a few weeks from the initial purchase. This is because the quality and technology behind mattresses improve constantly. While, at first, it may feel quite different to sleep on a bed with a copper gel layer or pocketed-coil system, after a small period of adjustment you may find yourself sleeping better than ever.

Price

When a business operates online, the customer is able to save money. By shipping directly and without having to fund the overheads of retail sites or a sales team, mattress companies have found themselves able to offer competitive, low costs directly to the buyer. So, when you are shopping online, be sure to compare different mattress and various deals. Prices will be lower, but you are also likely to find that free shipping or complimentary extras help to persuade your purchase. By spending more time browsing, you will save on the final cost.

Design

A major benefit of online shopping is that you are not restricted to the mattresses available in store. There are many various qualities in a mattress, from significant structural design choices to the subtle elements that add benefit over time, often without you realising. It is important to take advantage of this broad availability. If you have certain requirements or desired specifications, then be sure to find the right mattress design for you. There are even mattresses designed for athletic recovery or those with specific sleep-related issues, so there is no need to compromise your night’s sleep. Consider using websites, such as https://www.savvysleeper.org/, which will help you manoeuvre the language and detail of each mattress.

Reviews

There is no need to simply take a sales team’s word as a recommendation anymore. Online stores each have their own internal and external reviews. Not only does this mean that you can read detailed reviews of the mattress you are considering but it also drives businesses to deliver the best customer service and product quality they can. Before choosing your purchase, be sure to browse the feedback and reviews section for the extra assurance with your new mattress.

Essay about Vitamins: How to Create a Perfect Paper

When you just start writing essays you think that everything is simple — just get a topic and elaborate on it. When you start, however, you face the reality — though you invest yourself and apply enough efforts your essays don’t impress your professor and it seems that you get stuck. You are lucky if you get such assignments as writing about vitamins, as it is a modern topic you can relate to and find some interesting, relevant references rather easily. However, there are some tips and tricks from highly qualified essay writers from WriteMyPaperHub.com which will help you to deal with this assignment faster and more efficient.

Start With 15 Minutes of Freewriting

Freewriting is a new term, it is very popular as a creative tool which allows you to set your mind free and get out some ideas you can use later in your essay. When freewriting, don’t think about how good you write, don’t try to write without mistakes, don’t pay attention to formatting, etc. Your key task is to be relaxed and get into a writing flow. Once you stop your writing, read your text and underline some interesting thoughts. Based on these thoughts you can formulate a draft for a hypothesis.

Hypothesis Is Important, Don’t Neglect It

Some students think that hypothesis is important only for research papers, term papers, dissertation, thesis, etc. But the thesis is the crucial idea, the core of your essay, it is a problem you shape your writing around, so it should be present in your essay on vitamins of any other essay for that matter. It is good if your hypothesis is related to some vivid argument around the topic of your study. The problematic should be catchy, as it will make your readers finish your essay. Of course, mostly your only reader is your professor, but you should write keeping in mind a much broader audience. Your hypothesis should not be shallow and obvious like:

Vitamins are good for kids.

and it should not be scandalous, as if you are writing a blog-post for some hype website:

Vitamins kill more than guns do!”

It should be relevant, logical, and preferably, include some limitation and counterarguments:

Though the necessities of vitamin containing food supplements was proved by many studies and millions of people around the world prove their efficiency, a significant part of vitamins consumption is nothing more than placebo, and at some point can be even dangerous.”

With such a hypothesis you have an idea, you present limitations, you know what to write about, and you can do it professionally. You should know that your thesis statement should be no more than two sentences long. However, you can start writing it from 5-6 sentences and later cutting corners till everything unnecessary is gone.

Use Only Up-to-Date Sources

You should make sure that for such a modern topic you use only fresh, relevant sources, most of them should be recent, like 2-3 years old top. However, you can use some historical sources and studies when applicable, but only as some contrast to your major study. For example, you can find old advertisements for supplements, which are now prohibited or were proved to be dangerous or inefficient and make your point.

More Proofreading Less Creativity

We don’t mean you should not be creative, but you should not steal time allocated for proofreading just to add some more creative ideas and phrases or studies. Keep it simple. Even if you write the most innovative essay on vitamins, but don’t proofread it enough, don’t follow the rules of the required citation style (MLA, APA, etc.), you won’t get the best grade. Keep everything balanced, and your essay will be a winner, no doubt!

How Is a Viatical Settlement Different from a Life Settlement?

Life settlements and viatical settlements both involve the sale of a life insurance policy so they may seem identical at first glance. However, there are some key differences to consider.

A life settlement is typically considered when a life insurance policy is no longer needed, wanted, or if the holder simply can no longer afford it. In such cases, they may sell the policy to a third party buyer for an agreed upon price. For life settlements, the policyholder must be 70 years of age or older and have a policy value of $100,000 or more.

Viatical settlements are a type of life settlement. These types of settlements are for individuals with serious illnesses such as Alzheimer’s, ALS, or cancer. In these settlements, the policyholder sells their life insurance policy to a third party, at a discounted rate, in exchange for immediate funds. This is typically done in cases where the policyholder will need a great amount of financial assistance due to their illness. As with life settlements, most companies require policies to have a value of $100,000 or more.

History of viatical settlements

While many people have never heard of them, viatical settlements have been practiced since the 1911 Supreme Court ruling that life insurance policies are public property and can be legally sold to third parties. Viatical settlements became prominent during the AIDS epidemic of the 80s, in which patients were able to sell their insurance policies in order to afford treatments to significantly extend, and in some cases save their lives.

Qualifying for a viatical settlement

In order to qualify for a viatical settlement, the potential seller has to meet three basic criteria. First, the seller must be someone with a life-threatening illness. Second, the life insurance policy must be at least two years old. Lastly, the policy must have a minimum value of $100,000.

All life insurance policy types are accepted, although there are variables that will determine the amount offered from the company handling the settlement. These can include things like the type of illness the seller has, the stage of the illness, the policy’s value, or any other factors deemed relevant.

Reasons to pursue a viatical settlement

One of the most common reasons a person may wish to pursue a viatical settlement is because they simply can’t afford insurance premiums due to their illness. In such cases, the viatical settlement is a practical way to keep their policy.

Viatical settlements can also be a good option if a term policy is about to expire. Instead of letting the policy run out, it may be possible to convert it to a permanent plan and then sell it.

And, of course, a viatical settlement is the best option if there is simply no other way for the seller to afford the medical care they need. A viatical settlement could provide a way for the seller to not only afford their care but also afford a higher quality of life.

Advantages vs. other resources

If one decides that a viatical settlement is right for their situation, the following are the main benefits compared to other options. A viatical settlement will, in nearly all cases, provide a bigger payout than any form of financial assistance. Second, they have a great advantage over life settlements in that viatical settlements are tax-free.

For those who wish to pursue this option, the process is often as brief as a two-page application and a payout within days if the offer is accepted. 

6 Mistakes People Make When Starting a Gym

Starting a new business is always an adventure. Gyms seem to be even more special. It is a way to earn a living staying in shape and helping others get healthy. And a lot of fitness enthusiasts or trainers dream of opening their own gym for months or years before they decide to make the jump. However, they often forget that it is a business they have to manage every day, not just a hobby. Here are six mistakes people make when starting a gym.

Opening in the Wrong Location

Gyms are as location dependent as any other business. You need to set up somewhere that has enough clientele to fill the gym, but not a lot of competition. The competition could be the gym in their apartment complex and local jogging trails. If you’re opening a specialized gym, know that you’re still competing with the big gyms. Do your research before you commit to a location. And if you decide to open a gym where there’s already a lot of competition, try to significantly differentiate your product offering so you can stand apart from the rest.

Not Being Committed Enough

Opening a business is a commitment. Your gym needs to be open when your clients want to work out. You need to have the right tools or team behind you to keep the gym running, too. Then you will be able to focus on the clients while someone else handles the back office. You may think you’ve got a good partner, but if they aren’t committed enough to the business, you may find yourself short-handed.

You should also know that a good personal trainer isn’t necessarily going to be a good business owner. If you can’t handle supervising the business seven days a week and handling administrative issues regularly, you may be better off working as a personal trainer and meeting clients wherever they are than running a gym. Alternatively, you can hire someone to handle the business side while you focus on the clients. Just recognize, however, that doing this will increase your payroll obligations.

Thinking You Can Start with Almost No Money

Don’t make the mistake of starting a gym with almost no money – you have more expenses than just the rent. Nor can you assume you’re going to save money by working for free. After all, your goal is for the business to sustain you so you can pay your own bills.

A common mistake is overestimating sales predictions. Just because you have a great idea and many potential clients, doesn’t mean you’ll get enough sign-ups in the first month to make payroll. Work with a bookkeeper familiar with the industry to create a realistic plan for cash flow so you have enough savings or credit to pay ongoing expenses like payroll and rent. And recognize that you’ll have to plan for paying payroll even when there isn’t much cash coming in.

Not Using Software to Simplify Management

You can use a variety of software tools to simplify and streamline the running of your software. Depending on the type of gym you have, you could run into scheduling problems. Any mistake could cost you hundreds of dollars in refunds and hurt your reputation. The solution is to use gym software to handle the class schedule. The best tools prevent double-booking of instructors and trainers as well.

You can’t afford to lose track of gym paperwork. Good gym software will manage your membership paperwork. It will remind you and clients when their contracts need to be renewed. The best software allows you to handle the process of renewals online, collect payments and record them. This will save you many hours of administrative time. Good gym management tools will streamline the payment process, making it easier to send invoices and track unpaid ones. The ability to check memberships can save you from admitting freeloaders.

As a business owner, the reports that gym management software provides are invaluable. You’ll be able to track membership levels, cash flow, and schedules. You’ll be able to see the state of your business in a matter of seconds. Checking your profit margins periodically may deter you from purchases that push you into the red, and it could force you to make changes to your offerings that keep you profitable over the long run.

Not Supporting New Gym Members

Signing up new gym members is only a first step in what you hope is a long-term relationship. You need to offer guidance and support for new members so that they become invested in the gym and continue to come.

Make them feel like they can come to you with questions. There’s also a business case for doing so. New gym members are at risk of getting injured when they try unfamiliar equipment, and you don’t want that. Take the time to make them feel appreciated and supported, and they’re less likely to quit your gym and go to another one.

Treating Everyone Exactly the Same

There is a trend to treat everyone exactly the same in the name of fairness and equity. However, this can be a mistake.

We’ve already mentioned the need to offer support and guidance to new gym members. Another mistake is treating people of varying skill and experience levels the same. The veteran weightlifter doesn’t want to know how to do a shoulder press, but they’ll want to give their opinion on the selection of workout equipment. The person trying to get into shape or lose a lot of weight will have very different needs and goals than gym rats who want the latest fun classes on the schedule. Cater to each member’s needs, interests and expectations. Talk to people so you can come up with options that cater to a wide range of people.

A grand vision and the dream of owning your own business isn’t enough to successfully run a gym. Avoid these mistakes, and you’ll have eliminated the biggest reasons why new gyms go under.