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Debunking 6 Common Excuses People Give Not to Travel

You were blessed with a human brain that can rationalize situation or circumstance. If you are looking for reasons to do or not to do anything, you will find them. The reasons don’t have to be compelling for you to believe them.
 
Some of the stories you’ve created in your head to rationalize not doing some of the things you should be doing will sound crazy to a second party, but you believe the stories as though they were gospel truth. The same applies to the excuses people usually give for not taking the time to tour this beautiful world. 
Below are 7 common excuses people give not to travel and reasons why their excuses are actually totally invalid. 

“I can’t Afford to Travel”

We’ve all heard this excuse. You may have said it at some point in time. The truth is that any employed person can find money to travel if they really care about traveling. If traveling is really important to you, you will find the money to fund your adventures.
Travel costs as much as you spend on nights out with your friends in a month plus the small treats you give yourself in the form of new designer clothes, ice cream and inflated car payments for a luxury car you don’t need.
If you really are on a tight budget and you want to travel, you need to take a hard look at where your money is going and start cutting out the expenditures you can live without. If you save $1,500 a year for travel, you’ve put aside enough money for a return flight to an exotic destination not far from where you live and enough to have fun for a few days at the destination.

“I Don’t Have the Time”

This is just as a good an excuse at the I can’t afford to travel’ excuse. It an excuse standing on stilts and will stumble as soon as it is bombarded with facts. The person saying that they don’t have time to travel is probably saying that they are preoccupied with work and can’t take time off.
The reality is that taking time off actually helps with productivity. Working non-stop without resting is bad for both your health and the bottom line. The better rested you are, the higher the quality of work you produce and the faster you can get projects completed. 
Further, the average workplace gives its workers two weeks of paid vacation. To not take full advantage of this opportunity when you’ve fully earned it is to cut yourself short, even though about 54 percent of people don’t do it
Vacation time is your right as an employee. No one can fire you because you decided to use what is your right. 

“I Don’t Want to Travel Alone”

Okay, I get it. Traveling solo when it is your first trip can be frightening. Nonetheless, there are workarounds to this problem if you can’t find anyone to go on vacation with you.
The most obvious solution is to join a group that is part of a packaged trip. Such travel packages usually have itineraries mapped out and accommodations arranged. All you have to do is join other people who’ve bought the package and you are good to go. If you book with a local travel agency, you will be traveling with people from your city and you won’t feel lonely any more.
That said, solo travel is also fun. More and more people are choosing to hit the road on their own. According to a 2015 Visa Global Intentions Study, up to 37 percent of first time travelers are solo travelers. You will be in good company when you finally hit the road. 
If you stay at a resort or hostel where guests interact with each other, you can strike up a conversation with one of the solo travelers and you’ll end up with a reliable travel buddy.

“I Have a Small Kid, It Won’t Be Fun”

That’s a total lie and you know it. Having a small kid won’t ruin your travel experience. It might actually make it even more fun. Kids have a way of bringing joy even to the dullest of situations. As long as you choose activities and resorts that are kid friendly, you will be fine, just avoid those adults-only spots
You won’t have any problems with your kid during your travels as long as you keep them engaged and entertained. Since you are traveling with a kid, don’t be selfish and go on a vacation that only an adult would enjoy. There are several child-friendly travel spots and destinations around the world.

“My Partner Doesn’t Like to Travel”

Look here, friend. You are responsible for your own happiness. To postpone your life because the person you are with right now doesn’t want to do the things you want to do is doing both you and your partner a great disservice. 
See, when you do what you love, you become happier. When you become happier, you gift your lover a better partner to spend time with.

“Someday, I’ll Get Around to It”

It’s hard to escape the Someday I’ll Island. The island is surrounded by the greatest excuses that have ever been conjured by the greatest procrastinators to ever grace the island. 
The more you stay in the island, the harder it becomes to leave. Your only hope of escaping is to break the spell that has been cast upon you. How do you break the spell? You take action today and book a flight instead of hoping that someday you’ll get around to doing it.

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What Are the Various Colors of Diamonds?

diamond-1839031_640They say that diamonds are a girl’s best friend, but they don’t always remember that diamonds come in different colors, and some girls are going to love certain diamonds while they are not going to fall head over heels in love with others. In fact, if you’re ever wondering about the different colors of diamonds and how color grading works, you’ve certainly found the right place.

To help our readers better understand diamond colors and grading, we will explain the most used grading scale to you below. Get a good understanding of how the scale works so you can use it to choose the perfect diamond the next time you have to buy one as a gift, an engagement ring, or for any other reason.

Diamond Grade D-F: Colorless

This particular diamond grade is the range you’re going to buy if you’re willing to shell out the biggest amount of money in order to purchase diamonds. When a diamond is part of grade D, E, and F, you know that you actually have a colorless diamond on your hands.

What’s the value in a colorless diamond? The value comes from the clarity and crystal-clear perfection. When light reflects off of a colorless diamond, you will not see any colorful shades in the reflection. These are the most expensive, highly sought after, and rare diamonds on the planet today.

Diamond Grade G-J: Near Colorless

Near colorless diamonds may not be as rare as their colorless counterparts, but they are also less expensive and more people are going to end up buying them since the average person cannot afford or will not pay for the very expensive colorless options. Plus there are subtle differences in these diamonds as opposed to colorless ones that will show that there is a tiny reflection of colored light in the diamond face. But it’s really hard to notice the color unless you’re actually looking at it under a microscope or some other type of magnification.

Diamond Grade K-M: Faint Color

Diamonds that fall under the grades K, L, and M obviously have a very faint color to them. But these diamonds are different than the near colorless options because you will be able to notice the faint color if you look at it with some type of magnification. Actually, faint color diamonds are the most popular. They are more affordable yet very close to colorless, which is why many people tend to buy them.

Diamond Grade N-R: Very Light Color

Diamonds that contain a very light color seem to be the least popular out of all the choices. They have a very noticeable color tint to them, which often turns people off because they are not completely filled with color.

Diamond Grade S-Z: Light Color

While most people would not buy diamonds in this range, you will find a select few who want a yellow diamond or a brown diamond or any other colored diamond. So this grade of diamonds actually sells better than very light color diamonds believe it or not.

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How to Get Legal Advice

hammer-719068_640If you’re running a business, it’s vital to know how to get legal advice. If there is any legal point you are uncertain on, seeking advice in advance is a cost well worth paying to avoid larger penalties later. Not paying for an expert’s input is the worst kind of false economy.

That still leaves the question of where to go for your legal advice. There are many different kinds of law specialist, dividing barristers from solicitors, and each of these kinds of lawyer divide further into different specialisms. The lawyer you want to read a contract before you sign it is not necessarily the ideal one to advise you if a customer has injured themselves on your premises and seeks reparations.

Barristers spend most of their time representing clients in court. Ideally, you will not need the services of a barrister, as our aim is to take advice early and negotiate to avoid getting as far as court. You’ll mostly be speaking to solicitors.

Solicitors represent clients and give advice in all sorts of legal situations. While they can appear in court with sufficient training (where they are referred to as ‘my friend’, rather than ‘my learned friend’), they mostly support clients with advice and documents.

You’ll need to find business solicitors who can meet your needs. Whether you’re working mostly with property and need a conveyancing solicitor, or want a commercial solicitor who specialises in reviewing contracts, there are two main ways to find what you need.

LawyerLocator is a handy tool for finding legal firms near you, that also shares community reviews and information so can assess if they are right for you. The nearest firm might not be the best one – it’s worth travelling a little longer to find someone who specialises in what you need, and reviews tell you gives a great service.

You could also consult your network – a personal recommendation from a trusted peer is the best endorsement of a business. You’ll likely know a number of other people in a similar situation to you, either working in your industry or simply facing the same challenge of a running a small business in your area. Talk to them about who they use for their legal needs. They may be able to recommend a hidden gem who is absolutely perfect for what you need from a legal consultant.

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Government Programs to Help Sick People

woman-698964_640An illness or disability is stressful enough in its own right. Factor in the costs of paying for your illness, and you might already feel a pit in your stomach. Stress is bad for your health, and financial constrains shouldn’t prevent you from being able to lead a long and healthy life. A number of government programs cover all or a portion of the costs associated with life with an illness.

Social Security Disability Insurance

People who become disabled who have also worked a certain number of years—with the right number determined by the age at which you become disabled—are eligible to receive monthly benefits in the form of Social Security Disability Insurance (SSDI). The waiting period is five months, and you must not have significant income from a regular job. If you’re eligible for SSDI, you can expect a monthly check that will help cover living expenses, medical bills, and other costs of life with a disability. Note that most SSDI benefits aren’t enough to fund the full cost of medical bills. Most recipients receive between $700 and $1700 per month.

Supplemental Security Income

Supplemental Security Income (SSI) is often confused with SSDI. That’s because it also provides cash benefits to people too disabled to work. SSI, however, is based on need—not previous work history or income. The base payment amount is $735, regardless of income, work history, or other factors. However, the actual amount for which you are eligible changes with marital status and other income. The cap on total benefits for married couples is $1,103 per month.

Medicaid

Most people know that low-income people can qualify for Medicaid. Your health, however, can also qualify you. Children, pregnant women, recipients of SSI, and most people with disabilities also qualify. Medicaid covers most, but not all, medical expenses. It almost always covers basic health needs, such as preventative care, vaccines, and medications you need to treat your illness. Some states charge premiums, which means that recipients use Medicaid just like any other health insurance program. A number of supplemental programs, however, offer assistance with premiums and other out of pocket expenses.

Veterans Affairs (VA) Benefits

Disabled veterans and veterans with health issues should consult their local Veterans Affairs (VA) office before pursuing other options. Veterans are entitles to a wider range of benefits than civilians, and often can continue working while still receiving these benefits. Veterans can get more than $3,000 in monthly benefits. Those include cash payments, housing and other forms of assistance, and access to VA hospitals. Some veterans may also qualify for job assistance programs or re-training programs. Veterans’ benefits often extend to their dependents or spouse, so you may also be able to support your family through these programs.

State Level Programs

States offer a wide range of programs that extend beyond and build upon those offered by the federal government. Some are in the form of grants or specific training and skills assistance. Other programs offer cash assistance.

Unfortunately, scams are also common. Some scammers are impressively deceptive, and appear to be true government workers. To find a program in your area that’s not fraudulent, check out the Benefits.gov site, which offers access to state programs and a brief description of each program’s offerings.

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Five Home Improvement Tips that Will Increase the Value of Your Home

paint-2247394_640There are many ways to improve the look of your home and increase its value without breaking the bank. Whether it’s in need of freshening up or you have decided to put it on the market, a little bit of work can make a big difference for very little cost. The five home improvement tips that will increase the value of a home for a first time homebuyer are listed below.  If you are a first time home buyer, perhaps looking to buy a house in Bradenton, Fl these tips can help you save money on a purchase and immediately add value to your home.

If you have decided to sell, a few minor home repairs can increase the value by as much as 20% in today’s market. By taking an objective walk through your home, you can note the areas that need some minor repairs and develop a completion plan while keeping your budget in control.

Make A Plan

Though updating the entire house in your primary goal, here are the key areas to focus your attention and your budget on for the best results.

Paint

A good quality neutral coat of paint on all walls and trim can increase the value of a home almost immediately. Done either by a professional or as a DIY project, this is the first step in your homes new life. Repairing any trim and replacing broken or faded switch plates is also an easy fix for a low cost.

The Kitchen

The kitchen is the most critical area in your home repair efforts. Home buyers are looking for clean and spacious kitchens that flow without clutter. By updating the lighting and adding a coat of fresh paint, you can transform a dated kitchen for a more up to date look and feel. Remove all unnecessary clutter and replace any fixtures that show wear. Installing new flooring can drive up the overall value of the home.

Living and Family Areas

Like the kitchen, the family areas must give the illusion of space and comfort. Old and broken furniture should be removed as well as faded and excessive wall art. Once painted, continue with the neutral theme by minimizing clutter and adding light with lamps. New window furnishings can capture extra visual appeal by enhancing natural light.

Bedrooms

Think clean and spacious with luxurious touches to make these rooms pop. As in the rest of the home, remove extra furniture and repair and replace any fixtures that have seen better days. Invest in new bed linens and carpeting if possible. Bedrooms need to feel calm and soothing, and by minimizing distractions, you can offer this effect with very little effort.

The Bathroom

This is the second critical area that may require a bit more effort to bring it up to date. New lighting, fixtures, and furnishings can overhaul an outdated bathroom immediately. Repainting cabinetry and re-grouting tiles are also quick and easy fixes for a cleaner and new feel. Clear out medicine cabinets and add new towels for better presentation.The bathroom may not be high on your priority list when considering rooms to remodel. However, bathroom remodels can help to improve the resale value of your home.

One of the easiest ways to improve the appearance of your bathroom is to re-grout the tile or thoroughly clean the grouting that is in the bathroom. Then, you can purchase a new rug and towels for the bathroom area. A beautiful matching shower curtain will nicely complete the look. If you have a tiny bathroom, these improvements can make an incredible difference.

Curb Appeal

Simple gardening will go a long way to making your home more attractive. Keep your trees and hedges trimmed and your gardens colorful for instant appeal. Repaint the moldings and front door a welcoming color and change the style of your light fixture for a new look.

A well-maintained home is noticeable from the first step on the property. Enhancing the flow and visual appeal of a well put together home can increase its value considerably. If moving is not in your plans, then all these ideas can be used to update your home for a brand new feel. Either way, keeping your home in the best shape will always be money well spent.

Fixing up your lawn and backyard is another great way to increase the market value of your house, and it can add some beauty to your house as well. Keep the home improvements to your landscape fairly simple, such as getting rid of old or dead shrubs and trees, or planting new bushes and colorful flowers. Do as much as you can to give your landscaping a facelift, and you will raise the value of your house at the same time.