Better To Be Safe Than Sorry: Common Insurance Mistakes You Need To Avoid

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Insurance. You name it; you probably have it. Car, life, medical, travel… the list goes on and on, so it’s no wonder you feel the pinch in your pockets at times. Of course, without sufficient insurance, you may be worse off financially when disaster strikes. We can’t preempt illness, and while you might be the safest driver on the road, you can’t control what other road users do when they are driving near you.

Before you commit to your next insurance policy, consider the following mistakes people make before parting with your cash. Making the right moves now will save you money in the long term.

Not shopping around

You might find it easier to renew with the same company every year, but you may get a better deal elsewhere. Unique policies, such as this medical insurance with exclusive privileges, or a cheaper premium may be just what you need, but if you don’t shop around and do a little research, you will be stuck with insurance coverage that doesn’t match your needs.

Failing to ask for discounts

From buying healthcare insurance to car insurance, make sure you get the discounts you are entitled to. We know insurance companies are sometimes reluctant to pay out money in times of need, but they may also keep details of their discounts hidden from you. The best way to get what you need is to pick up the phone and directly ask them. You may be entitled to a no-claims discount, and you can also reduce costs by going paperless. When it’s time for renewal, you can get often get a discount from your current provider if you evidence cheaper prices elsewhere. So, don’t be shy, get on the phone, and save yourself some cash.

Giving wrong information on the application form

We all make mistakes, and if you realise you have made a mistake on the form, let the insurance company know as soon as possible. A quick scan of your policy will let you know. On the other hand, you may tell a few white lies to get cheaper insurance. However, you will run into trouble if you get found out, and your car insurance policy will be declared void. You might have told your provider that your car is parked on a driveway for example, but a quick Google Maps search may give away your lie if there is no such parking space available.

Forgetting to update the insurance

Your needs probably change over time, so you need to keep your policy up to date. Take contents insurance as an example. You will have made an inventory of your items when planning your coverage, but as soon as you buy something else of sufficient worth, you need to add it to the policy. From burglars to breakages, you will want to make sure everything is covered, so always ring your provider with an update. The same applies to your car insurance. You may actually have a driveway to park your car on if you move house, so let your provider know to reduce your monthly premium.

Finally

The worst mistake you can make is not getting insured in the first place. You might not need coverage for everything, but shop around, do your research and heed the mistakes we mentioned above.

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Staying Motivated When You’re All Alone

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There are two sides to every coin. That is a fact. So while working from home has an abundance of benefits that always accompany it to the ball (either you’re either your own boss or you get to avoid your actual boss!) there are some downsides too, most notably trying to stay motivated.

It is one nasty double-edged sword. All of your responsibilities rely on you staying motivated but because you work from home staying motivated is like trying to get out of bed in the mornings – almost impossible at times.

In fact, a lot of work-from-homers find they stop striving to take their work or business to the next level and become content with what they are earning now.

If this is you. If you find your flow stops every so often, or you start slacking now and then and taking extended lunch breaks to scroll through Facebook, then read on because we have some tips that can help you stay motivated.

Short-Term Goals Only
Long-term goals rarely work for the simple fact they seem so unattainable. WIt is like the whole climate change thing. We all know that we need to do more but because it seems so unattainable we don’t do enough. But if we all started eating locally sourced food or taking shorter showers we would get there. The same goes for your goals. Keep them small and you will get there. Start with something small, like trying to earn an extra $75 a week, and then revel in all that extra cash you are making each month and push it again.

Get Inspired Again
We live in a day and age that is totally dominated by the Internet. But while this is a huge source of your procrastination problem, it can also be used for good too. You could use it to partake in MBA online accredited programs that teach you how to be a more effective business leader. You could set aside half an hour every morning to watch a TED Talk and get inspired by people that can help you improve. You could join a forum that is designed to help people that work from home. All of these will give you that kick up the rump you may need.

Look At Your Vision
There is a lot to be said for a vision board. It could be that you wallpaper the wall in front of your desk or just hang a pinboard to the right of where you sit. So long as you have a place where all your wants and dreams can be seen on a daily basis it doesn’t matter. It could be a house, a car, places you want to visit, a particular client that you want to land. By having something that constantly reminds you of why you are doing what you do you will find your motivation levels spike. You will have a reminder of everything you can achieve if you stop procrastinating and keep working hard.

One thing that is worth noting is the importance of a break too. If the creative juices aren’t flowing, don’t force them. That’s as important to your motivation as anything else.

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Put Yourself First: 10 Self Care Tips

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There is no denying the reality that, sometimes, life can just get a little too much for us to handle. It’s in times like these when we’re running low on energy and patience, that you need to learn to put yourself first and take care of yourself. If life is getting on top of you, and you don’t know what to do, read some of the tips below.

1. Binge Your Favourite Shows
With the weather quickly getting colder, and the nights drawing in faster, there is nothing more comforting than cuddling up on the sofa and binge-watching your favourite tv show. Since season seven has just finished, you may be wondering is GOT on Netflix? Find out now at netflixupdate.com.

2. Have A Glass Of Wine
Nothing accompanies a Netflix series better than a glass of your favourite wine. Just be sure that you don’t start using alcohol as a crutch to cope with life.

3. Get Some Sleep
Not getting enough sleep can have a lot of negative effects on the body, so be sure that you’re getting eight hours a night.

4. Write It Out
Whether you’re expressing your innermost thoughts in a diary, writing short murder mystery stories, or whole fantasy novels, writing is incredibly therapeutic.

5. Draw Instead
Sometimes it can be hard to express how you feel in words; In these times, it may be a lot easier to use art as means of expression instead.

6. Listen To Music
Music has the power to radically change our mood. Pop on some cheesy 2000’s pop and have a dance around the living room; I promise you won’t regret it.

7. Exercise
Whether you’re dancing around the living room, or hiking up mountains, exercise is great for us for a number of reasons, including reducing feelings of depression and anxiety. Click here for more benefits of exercise.

8. Meditate
Life is undeniably stressful, but luckily for you, meditation is a great way of reducing stress, and it only takes a few minutes each day.

9. Eat Your Favourite Foods
Like when you exercise, when you eat your favourite foods, endorphins are released, which help to reduce stress, reduce pain, and trigger positive feelings in the body. I guess this means that there are no excuses for you not to eat your favourite chocolate bar.

10. Get Some Help
If at any time you think you are struggling to cope with life, it’s always the most sensible idea to go and speak to someone about your problems, whether this is with a family member, friend, counsellor, or a doctor. It might not be easy at first, but it’s never a good idea to keep your feelings bottled up.

If you’re having a hard time coping with life at the moment, I hope that one of these tips or methods can help you out. Remember, that at times like this, you need to learn to put yourself first, and making look after you your top priority.

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Facing Up To Confidence

Confidence is not something that we are often born with, but it is something you can learn to feel. The way we feel on the inside is often directly linked to how we look on the outside, and while we are taught that it’s what on the inside that counts, sometimes that’s just not enough. It’s something that is a catch-22; if you don’t feel like you look good, you won’t feel happy or confident. The day to day moods we feel, our future career choices and even the people we plan to socialise with are all affected by our confidence levels.

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Our world is driven digitally by social media and thus, appearances are the first things we judge. Taking the time on how we look, choosing clothes that are flattering and learning how to use makeup are all ways we improve our confidence. We also invest money in cosmetic surgeries and surgeries for dentistry, including impacted wisdom tooth extraction. When we look good, we feel great, so it makes sense that when we want to feel wonderful we make changes to our looks.

A lot of what we do to look great is temporary, including cosmetic surgery. Fillers and Botox don’t last forever, which is why we need to take steps to identify why we don’t feel good about ourselves in the first place. Understanding that can help us to gain a natural confidence without the need for changes to the body like surgery brings us. Gaining confidence in yourself can give you the following:

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  • The ability to enjoy life. When you are unhappy with the way that you look, or you shy away from the camera and refuse to have your photo taken, you are stopping yourself from enjoying the world around you. It’s really difficult to get out of a cycle of low self-esteem, so you need to look into why your self-esteem is low and work on improving it so that life becomes something you want to love rather than something to be endured.
  • The ability to empower yourself. Making changes to how you feel about yourself can empower you to feel fantastic on the inside. Updating your wardrobe, investing in cosmetic surgery and taking a workout class so your weight is a healthy one, are all empowering ways to feel great about yourself.
  • The ability to celebrate yourself. A big part of gaining some confidence is to know when to feel good about yourself. Praising yourself when you hit your goals is important, as you can celebrate that achievement and know you can hit your targets.
  • The ability to shine socially. An introvert who isn’t comfortable in a crowded place will be more obvious than someone who is a social butterfly. The confidence that you claw back for yourself can make itself obvious in a social situation, making you feel amazing and making others around you recognise your happiness.

Confidence is not easy to come by, but once you have it you mustn’t let it go!

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Keeping On Top of The Important Things in Your Day to Day Life

Nowadays we are living increasingly hectic day to day lives. You’d think that with the progression of technology that we’d be left with more free time on our hands than ever before. After all, we now have machines to do our laundry and wash our dishes. We can find any information we want at the touch of a search button on our smartphones rather than trawling through books and files for hours. We can do our banking online. We can order commodities without having to head out to the shops and have them delivered to the comfort of our own homes. The list goes on and on. However, the increased convenience of basics and the speed at which we can carry out tasks has simply resulted in us trying to cram more and more activities and responsibilities into every twenty-four hours. It’s exhausting. So, for the sake of your happiness, health and wellbeing, it’s important that you dedicate an allotted amount of time each day to ensure that you are keeping on top of the important things. The things that can make all the difference between whether you have a good quality of life or poor quality of life. They are easy to forget or neglect, but it’s time to fix up and pay them due attention. Here are a few things that should be topping your list of priorities.

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Sleep

Eight hours of sleep a day is essential for our happiness and well being… we all know this. So why do so many of us turn a blind eye to this information that has been proven time and time again? Well, we allow ourselves to run overtime and think we can manage well enough without following this sage advice. This may work for a little while. But in the long run, you’ll start to experience sleep deprivation, which can have all sorts of negative effects on our lives. First, there are the health problems involved: heart disease, obesity, and diabetes, for example. What’s more? Lack of sleep can harm not only you but others around you. Think about it. If you haven’t had quite enough sleep, you could find that you are more likely to experience a collision on the road, make an accident at work that could have negative repercussions, or forget to carry out an important task that could make someone else’s life harder for them. So, if you find yourself running on empty more often than not, it’s time to buck your ideas up. Make sure that you hit the hay while allowing yourself to get sufficient sleep for the day ahead of you. If you find that you are having problems, contact a healthcare professional who will be able to identify any major problems, such as insomnia. You can also make getting to sleep easier for yourself by taking a warm bath before bed, drinking a warm beverage, and removing distractions such as your phone or turning your television off.

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Mental Health

Mental health isn’t something that we talk about all too often, but it’s absolutely essential that we begin to be a little more open about mental health problems as a society. Why? Because so many of us experience the negative effects of mental health issues and are either unaware of what we are suffering from, or do not know how to seek help for ourselves. So, be aware of the signs and symptoms of deteriorating mental health and ensure that you seek help from the relevant sources as soon as possible if you do begin to struggle. From anxiety symptoms to bipolar depression symptoms, there is a whole wealth of information out there on the web that can help you to understand why you are feeling the way that you are. If you believe that you may be suffering from some sort of mental health issue, don’t be afraid to reach out for help. There are so many sources of aid out there that can hugely benefit you and improve your situation. From your doctor to private psychiatrists or psychologists, to other individuals in a similar boat. Speak out and be heard.

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Diet

If you find yourself rushing from A to B with little respite in between, it’s likely that you aren’t getting the opportunity to fuel yourself with the best nutrition possible. We’re all guilty of grabbing take away food now and again, but don’t let it become a habit. Instead of skipping breakfast, get up a little earlier and fix yourself a bowl of oats, granola or cereal, washed down with a cup of green tea or a healthy smoothie. Pack a wholesome lunch the night before and store it in the fridge, ready to grab as you leave the house in the morning. Do a weekly shop and stock up on essentials so that you have plenty of choice for your evening meal. Try to maintain as balanced a diet as possible to guarantee yourself the energy and nutrients necessary to maintain the lifestyle that you lead.

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Social Life

Social media makes it appear as though we have more friends and contacts than ever. But when it comes down to it, most of us feel relatively lonely from time to time. After all, a “like” may be nice, but a hug or a smile is so much better. So try to keep physical contact with your closest friends and arrange regular meetups. This doesn’t have to be anything fancy but will ensure that you both get to spend quality time together, bonding in person and strengthening your ties. Remember that while social media is great for keeping in touch with long-distance friends or casual acquaintances, it doesn’t quite have what it takes to beat a special day out in real life with your nearest and dearest.

Keeping on top of these few areas of your life may sound like a lot of effort, but it really isn’t, as you’ll be enjoying every moment of the process. Ensuring that you take the time to ensure that you get sufficient sleep, monitor your emotions effectively, eat a healthy and balanced diet, and meet up with your pals will give you the best quality of life possible.

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