Month: July 2019

July 23, 2019July 31, 2020

Natural Home cleaning

Pension

“Pension”

Pension: It is a plan that aims to have some money to live on when you are old so that you don’t have to work until you drop dead, especially bearing in mind that a 25- yr old woman’s average life expectancy is now 91, and she has a 19 percent chance of reaching one hundred., at which point she probably does not want to be working anymore.

When you start saving up to eighties, and nineties, while they are young and earning money, you will start receiving benefits in the form of the ‘State pension’ when it deems you of retirement age- an age that it sets, and which is creeping ever upwards.

State pensions are solid out of compulsory tax you pay throughout your working they are your working life, known as national insurance. If you do not pay enough national insurance you do not get the state pension. This national insurance does not go into an account that is left untouched until your retirement. It is added to the government coffers each year, like all other tax that you pay. That is why people refer to the state pension as a Ponzi scheme, which is where whoever owns the scheme generates returns for established investors.

The government also encourages you to save for retirement before you stop working, through supergenerous tax breaks to enable you to accumulate a private pension.

Private pension

All the income of just over a year ( or whatever the equivalent sum will look like in forty years’ time after inflation) is probably as good as it’s ever going to get.

Workplace pensions

Auto-enrollment, another way the government is trying to nudge us into accruing enough, means every employer must help all of its employees over the age of twenty- two and earning at least £10,000 to save into a private pension scheme. The law sets minimum contributions each year, that is the amount that is annually paid into the pension scheme, a giant pot of money that you and your colleagues will be able to dip into when you all turn fifty- five. From April 2019, the contribution will be 8 percent of your earnings, that is 4 percent from you, 3 percent from your employer, and 1 percent as tax relief.

Source of pension Money: a user’s guide by Laura Whateley 2018

Suggested Contents

Insurance and Loans

Credit Cards

Managing Loans and Mortgages

July 23, 2019April 16, 2020

Insurance and Loans

Insurance and Loans

Shopping for Car Insurance

There are such a large number of perspectives to vehicle Insurance, it ought to be a semester-long class prerequisite in secondary school. About each driver in the US is required by law to buy vehicle protection, yet many don’t know how it functions. What does it cover? What amount does it cost? For what reason does it cost to such an extent? How would you record a case? Vehicle protection questions are basically perpetual. It is imperative to take in the nuts and bolts from an educated source.

Spare yourself some time and cash by concentrate up on vehicle protection and ask your operator inquiries all through your driving turning points.

Sorts of Inclusion – Insurance

Risk: The principle inclusion in any accident protection arrangement is the obligation. It gives inclusion to when the guaranteed vehicle harms someone else. The inclusion is generally composed on your announcement page as of 25/50/10. The primary number (25) implies up to $25,000 could be paid out to a solitary individual harmed in a mishap. The second number (50) implies up to $50,000 could be paid out in a mischance harming numerous individuals. The third number (10) alludes property harm which implies up to $10,000 of inclusion is accommodated harm done to another person’s property.

Property Harm: Harm someone’s property with your vehicle? You require property harm inclusion to cover the harms. Property harm just covers harm to other people. It very well may be anything from the turfed yard to vehicles to monitor rails or letterboxes. It won’t payout on the off chance that you harm your own property.

PIP and Drug Pay: Two kinds of therapeutic inclusion are accessible in a few states, while others are just offered one.

PIP, individual damage assurance, is required in no-blame states. It gives more exhaustive assurance versus prescription pay. It will give inclusion to medicinal costs, lost wages, even additional items like yard care on the off chance that you can never again play out the undertaking alone.

Prescription pay covers wounds of travellers of a secured vehicle. Usually restricted to $25,000 of inclusion or less. It doesn’t make a difference who is to blame with the end goal for it to payout. It ought not to be utilized as a swap for medical coverage since it will just pay out for wounds which happened in a car crash.

Thorough (Other than Crash): It is extraordinary compared to other vehicle protection alternatives accessible.

It frequently pays for itself. Any physical harm which can strike your vehicle other than an impact is secured here. A standout amongst the most widely recognized cases is windshield harm. Substitution of a windshield can get expensive and exhaustive inclusion will get your chips filled for nothing. Full substitution of the windshield frequently expects you to pay your deductible however a few organizations enable you to convey a zero deductible only for glass.

Far-reaching covers a not insignificant rundown of different sorts of harm. Things like hail, surge, tornado, would all be secured on the off chance that you buy complete. Hitting a deer, fire, robbery, vandalism, and a tree falling and hitting the vehicle are altogether secured under exhaustive.

Impact: A crash is a point at which a vehicle is moving and hits a protest. It could be a letterbox, protect rail, another vehicle, or some other lifeless thing.

Roadside Help: It is a liven, yet regularly moderate. It can pay for itself rather rapidly. A few approaches take into consideration inclusion just for a tow, while others cover lockout, bounce, and coming up short on gas.

Rental Vehicle: Approaching a rental vehicle after a case is imperative to numerous drivers who don’t have a reinforcement vehicle. Some protection bearers consequently accompany a little measure of inclusion if your vehicle was in a secured mischance. Else, you should add the inclusion to your arrangement.

Hole Protection: Owe more than what your vehicle is the value? Hole protection will cover the contrast between the estimation of your vehicle and what you owe in case of an aggregate misfortune guarantee. The odds of having an aggregate misfortune mischance are not exceptionally plausible. Which thus makes the inclusion reasonable.

Deductibles – Insurance

a deductible is the measure of cash you pay out of pocket after a case with the end goal to get your vehicle fixed. The higher your deductible, the lower your expense of vehicle protection. Deductibles keep protection fairly reasonable. Deductibles dissuade individuals from recording claims for minimal effort fixes. It is prescribed to utilize vehicle protection for significant costs and not for minor dings.

Rating Elements

Age: You most likely definitely know, age is a factor.

New driver’s compensation the most. Some protection transporters bit by bit brings down their rate as the driver ages. Age 25 is the enchantment age protection bearers regard to be the start of the level on age-based appraisals. As driver ages into later stages throughout everyday life, rates typically start to increment. A 75-year-old driver could be charged rates as high as a recently authorized adolescent.

Vehicle: Yes what vehicle you drive has a significant effect. Such huge numbers of vehicles to browse and they are each doled out an alternate rate by your vehicle protection transporter. When you pick a class, the rate does not change to such an extent. Think minivans and SUVs for the least expensive rates and extravagant games vehicles and crossbreeds as the most costly to guarantee.

Driving Record: The best drivers get the best rates. A spotless driving record has a colossal effect. Indeed, even one ticket in three years can significantly expand your rate. Significant infringement like a DUI or indiscreet driving regularly remains on your record for a long time. Various speeding tickets can get you indistinguishable rate from somebody with a DUI.

Protection Record: A protection record alludes to two or three distinct things. One is your earlier vehicle protection inclusion. When looking for vehicle protection you will be qualified for a favoured approach in the event that you right now have a functioning vehicle protection strategy. You likewise show signs of improvement rate on the off chance that you convey favoured cutoff points of obligation which is 100/300 or above.

The other piece of a protection record alludes to what number of cases have been documented. Were the mischances to blame? To blame mischances can build your vehicle protection rate altogether. Mischance additional charges regularly the most recent three years. In the event that you record two mischances in a multi-year time frame, your vehicle protection transporter will probably non-restore your arrangement. Which frequently abandons you with the main alternative to purchasing vehicle protection through a high-hazard insurance agency.

Area: Where you live as a rule has any kind of effect in your vehicle protection rate. Cases are observed my protection bearers and in the event that you live in a high-chance territory, it could be reflected in your vehicle protection instalment. The meaning of a high-hazard zone differs. A high-hazard zone could mean loads of deer mishaps or bunches of robberies or different kinds of cases.

Training: It isn’t generally utilized as a rating factor, however, some protection transporters do utilize it. Clearly, ponders have indicated higher taught drivers document fewer cases.

FICO assessment: Almost every state enables protection bearers to utilize FICO ratings as a rating factor in deciding vehicle protection premium. The higher your financial assessment, the lower your vehicle protection rate. It can truly affect the amount you pay for vehicle protection. The credit check does not affect your financial assessment like opening another credit extension. Protection transporters have their very own rating framework that figures what level you fit the bill to be evaluated in.

On the off chance that you trust your FICO rating has enhanced as of late, ask for your vehicle protection transporter to twofold check it. On the off chance that there is an enhancement that impacts your rates, regularly they will bring down your rate immediately. It is constantly vital to screen your FICO rating. Research how to enhance your FICO assessment so you can show signs of improvement rates on both vehicle advances and vehicle protection.

Mortgage holder: Claim a home? A standout amongst other limits accessible on a vehicle protection strategy is a multi-arrangement markdown. To get the rebate you should have in excess of one protection strategy with a similar protection bearer. The best markdown goes to property holders since they will be qualified for both a multi-strategy rebate and a mortgage holder rebate. Again everything comes down to considers done by insurance agencies deciding cases are documented less frequently by drivers who possess a home.

Cases

Did harm jump out at your vehicle? You may have a case staring you in the face contingent upon what occurred and what inclusion you have on your strategy. It never damages to twofold check with your protection specialist to check whether your approach covers the harm.

Scratch Focuses to Recollect About Vehicle Protection Cases

Vehicle protection does not cover mechanical or support issues

To blame cases influence your vehicle protection to go up

Hope to pay a deductible

Correspondence with your cases agent is essential

Confirmation of Protection, State Laws, and Punishments

No Blame State Laws: No blame laws can be extremely befuddling for some drivers. Simply the title alone no blame leads individuals to the wrong finish of what it really alludes to. No blame means it doesn’t make a difference who’s blame the mishap is, your arrangement covers you. Your approach covers you on the off chance that it is the other individual’s blame. Your strategy covers you in the event that it is your blame. Furthermore, no-blame generally is alluding to medicinal inclusion. No-blame states more often than not make a base PIP protection inclusion compulsory. It is said that no-blame states have lessened claims and doctor’s visit expenses can be dealt with quicker. Presently on the off chance that you live in Michigan, no-blame does not just allude to its boundless restorative inclusion prerequisite yet in addition crash inclusion. Read up on Michigan’s one of a kind vehicle protection laws in the event that you are an occupant or considering moving.

Tort State Laws: Tort states consider to blame drivers in charge of harms. Property harm will pay out when a vehicle is harmed or some other kind of property, for example, a letter drop or monitor rail. The not to blame driver should document a case on the to blame driver’s vehicle protection strategy.

What Is Verification of Protection? Evidence of vehicle protection is an exceptional report given by your vehicle insurance agency expressing the dates your vehicle protection strategy is dynamic. It will have the guaranteed’s name, the safeguarded vehicle’s year make and model, the VIN, and the strategy powerful dates recorded. It will likewise have the insurance agency’s name a

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Mortgage

Credit Cards

Managing Loans and Mortgages

July 23, 2019July 2, 2021

Mortgage

WHAT IT IS Mortgage

A home loan is a credit in which property or land is utilized as a guarantee. The borrower goes into a concurrence with the loan specialist (for the most part a bank) wherein the borrower gets money forthright at that point makes instalments over a set time length until the point that he ponies up all required funds.

WHY IT Makes a difference

Home loans make bigger buys workable for people sufficiently lacking money to buy an advantage, similar to a house, in advance. Banks go out on a limb making these credits as there is no assurance the borrower will have the capacity to pay later on. Borrowers go for broke in tolerating these advances, as an inability to pay will result in an aggregate loss of the benefit.

Home possession has turned into a foundation of the American Dream. For a great many people, their house is their most important resource. Home loans make home purchasing feasible for some Americans. Home loans are not in every case simple to anchor, in any case, as rates and terms are frequently subject to a person’s FICO assessment and employment status. Inability to reimburse enables a bank to lawfully dispossess and sell the property to cover its misfortunes.

More Details at investinganswers.com

Mortgage – HOW IT Functions (Precedent):

Home loan advances are generally gone into by home purchasers without enough money available to buy the home. They are additionally used to get money from a bank for different activities utilizing their home as security.

There are a few sorts of home loan credits and purchasers ought to survey what is best for their very own circumstance before going into one. Kinds of credits are described by their term dates (normally from 5 to 30 years, a few establishments presently offer advances up to multi-year terms), loan costs (these might be settled or variable), and the measure of instalments per period.

[If you’re prepared to purchase a home, utilize our Home loan Adding machine to perceive what your month to month central and intrigue instalment will be. You can likewise figure out how to compute your regularly scheduled instalment in Excel.]

Home loans resemble some other money-related item in that their free-market activity will change reliant available. Consequently, now and then banks can offer low loan costs and once in a while, they can just offer high rates. On the off chance that a borrower settled upon a high loan cost and finds following a couple of years that rates have dropped, he can consent to another arrangement at the new lower financing cost – subsequent to bouncing however a few bands, obviously. This is classified “renegotiating.”

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Pension

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Managing Loans and Mortgages

July 22, 2019April 16, 2020

Scrabble game

This game is for 2 – 4 players. It’s contents are Gameboard, 100 letter tiles, letter bag, and 4 racks.

In scrabble, players form interlocking words cross-word fashion on the board using letter tiles of different values. Each player competes for the high score by taking advantage of the letter values, as well as the premium squares on the board. In a 2 player game a good player scores in the 300-400 point range.

Set up: Turn all the letter tiles facedown at the side of the board, or pour them into the bag or another container, and shuffle. Draw for the first play. The player drawing the letter nearest the beginning of the alphabet plays first. A blank tile supersedes all other tiles. Return the exposed letter to the pool and reshuffle. Each player then draws seven new letters and places them in his/her rack.

Gameplay:

1. The first player combines two or more of his or her letters to form a word and places it on the Board to read either across or down with one letter on the centre square. Diagonal words are not permitted.

2. A player completes a turn by counting and announcing the score for the turn. The player then draws as many new letters as played, thus always keeping 7 letters in his/her rack.

3. Play passes to the left. The second player and then each, in turn, adds one or more letters to those already played to form new words. All letters played on a turn must be played in one row across or down the board to form one complete word. If at the same, they touch others letters in adjacent rows they must form complete words, to crossword fashion with all such letters. The player that gets full credit for all words formed or modified on his turn down

4. New words may be formed by

a. Adding one or more letters to a word or letters already on the board.
b. Placing a word at right angles to a word already on the board. The new word must use one of the letters already on the board or must add a letter to it.
c. Placing a complete word parallel to a word already played so that adjacent letters also form complete words.

5. No letter may be shifted after it has been played.

6. The two blank tiles may be used as any letters. When playing a blank, the letter must state which letter it represents. It remains that letter for the rest of the game.

7. A player may use a turn to exchange all, some, or none of the letters in his or her rack. To do this, place your discarded letter(s) facedown. Draw the same number of letters from the pool, then mix your discarded letters with those I the pool. This ends your turn.

8. Before the game begins, the player should agree upon the dictionary they will use, in case of a challenge. All words labelled as a part of speech ( including those listed of foreign origin, and as archaic, obsolete colloquial, slang,etc.) are permitted of the following: words always capitalized, abbreviations, prefixes and suffixes standing alone, words requiring a hyphen or an apostrophe. Any word may be challenged before the next player starts a turn. If a word challenge is unacceptable, the challenged player takes back his or her tiles and loses her or his next turn. Consult the dictionary for challenges only.

9. Ending the game: The game ends when all letters have been drawn and one player uses his last letter; or when all possible plays have been made. Scoring:

10. Keep the tally of each player’s score, entering it after each turn. The score value of each letter is indicated by a number at the bottom of the tile. The score value of a blank is zero.

11. The score of each turn is the sum of the letter values in each word formed or modified on that turn, plus the additional points obtained from placing letters on premium squares.

12. Premium letter squares: A light blue square doubles the score of a letter placed on it, a dark blue square triples the letter score.

13. Premium word squares: The score of an entire word is doubled when one of its letters is placed on a pink square: it is tripled when one of its letters is placed on the red square. Include premiums for double or triple letter values if any, before doubling or tripling the word score. If a word is formed that covers two premium word squares, the score is doubled and redoubled (4 times the letter count) or tripled and then nett rippled (9 times the letter count). Note; the centre square is a pink square which doubles the score for the first word.

14. Letter and word premiums count only on the turn in which they they are played. On later turns, letters already played on premium squares count at face value.

15. When a blank tile is played on a pink, or red square, the value of the word is doubled or tripled, even though the blank itself has no score value.

16. When two or more words are formed in the same play each is scored. The common letter is counted, ( with full premium value, if any)for each word.

17. Any player who plays 7 tiles on a turn, scores a premium of 50 points after totalling his or her score for the trim

18. Unplayed Letters: When the game ends each player’s score is reduced by the sum of his or her unplayed letters. In addition, if a player used all letters, the sum of the other players’ unplayed letters is added to that player’s score. How to win: the player with the highest final score wins the game. In case of a tie, the player with the highest score before adding or deducting unplayed letters wins.

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July 21, 2019April 16, 2020

Managing Loans and Mortgages

“Managing Loans and Mortgages”

Before taking any loan, you must figure out what you can afford. First, though, you should be familiar with the following terms.

When you take on a mortgage, you have to pay back not only the money but also a fee on that money or interest. The amount of interest you pay is measured as a percentage of what you borrowed.

The interest rate on a home loan is called your mortgage rate. If you pay 5000, a year in interest to borrow 100,000, you’re paying 10 % mortgage rate.

What is mortgage?

It is a legal agreement by which a bank, building, society etc. lends money at an interesting exchange for taking a title of the debtor’s property with the condition that the conveyance of the title becomes void upon the payment of the debt. It is a loan which property or real estate is used as collateral. The borrower enters into an agreement with the lender wherein the borrower receives cash upfront then make a payment over a set of time until he pays back the lender in full.

Down payment:

Lenders usually want you to have a downpayment or some of your own on the line when you take on a mortgage. A typical amount is 20,% or the home’s purchase price.

Mortgage type :

With a mortgage that has a fixed interest rate, you’re locked into an interest. (1)The fixed-rate mortgage is considered the most conservative because you’re protected if interest rise. (2) A variable-rate mortgage usually has a brief period of the start of the loan when interest rated don’t Change, but after that, they Change to reflect the ups and downs of the going market rate.

Seeing how much you can afford: The question that stops many potential homebuyers in their tracks is one of the most important ones. How much can I afford? You should figure this out yourself because some of the people you’ll be working with during the loan process would be happy if you spent more. You can determine how much you should spend without becoming financially strapped. Here’s how it work. Review your annual income. If you married, include your spouse’s income in its annual income estimate. The rate of it as the interest rate the lender charges you to borrow money for a loan, be it car loan home loan etc.

Provide the percent down payment. Enter how much of the purchase price you’re providing as a down payment.

Estimate the annual insurance. You may need to pay each year to ensure that the property you buy is safe against peril.

Annual property tax: Don’t think your mortgage and insurance payments are the only bills you need to pay when you buy a property. You’ll most likely need to pay the local government a tax based on a percentage of the value of that property. Different localities handle this tax in different ways.

Review the debt-to-income ratio assumption. Lenders decide how much mortgage you can afford by looking at the debt-to-income ratio, or the relationship between the amount of debt you have – including car loan, student loan, loan card bills, and mortgage-related costs, and how. Much you earn.

Here is the sample of Mortgage Letter

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Pension

July 21, 2019April 16, 2020

Something About the Sun

Banking online

” Banking online”

Extremely wealthy people have money managers who keep a close eye on their wealth and make sure it doesn’t go away. These money managers keep all the accounts in balance, constantly look for the best financing deals, make sure the bills are paid on time, and move money around so as to collect the highest interest rates and avoid unnecessary bank fees. ( Read: Banking online)

You have to be that money manager for yourself. Instead of letting money events happen to you, you need to strive for a well – managed cash flow system. ( Read: Banking online)

Banking online

Following are some reasons why online banking is so cool and not your enemy:

✓Banking when you want it. In the good old days, people used the phrase ” banker’s” ” hours” to describe the allegedly short workdays that went along with banking. Traditionally, banks opened around 9 and closed around 4 pm. Get real! We live in a 24/7 world and want to bank from our PDA at 3 in the morning. ✓No more standing in line. Another fun thing about dealing with real banks is the velvet rope that herds bank customers into snaky lines. The lines are longest at lunchtime when you’re trying to get back to work before your break ends. Forget lines. Bank from the coffee shop on your laptop.
Read: Banking online

✓ You can see it all. After you make it through the line at the bank and get the attention of the teller, you can ask specific questions about your account, such as did a particular check clear, did a paycheck gets deposited yet, or did I get hit with finance charge this month? But each answer has to be looked up by the teller, who is getting more irritated with you for holding up the line. Instead, pull up your bank account online and see all your transactions at once

✓Choose your bank. You are no longer limited to banking at the neighbourhood bank. You can choose from banks all over the country that may give you what you want in terms of interest, parks, and fees.

✓ Stay on top of your bank balance. Between your bank’s web site you have no excuse for not knowing exactly how much money you have in your bank account. No more scratching out errors in your check register or trying to calculate the balance in your head. Now you can see your balance and be completely up to date. Online banking has opened up great opportunities for accuracy and timeliness, but there are imperfections too. We think it’s important to have a relationship with a banker, a real person whom you can call when you have questions or when something turns up on your bank statement that you don’t understand. And there is no substitute for having a banker in your court when you’re trying to get the best deal on a loan for instance. Our recommendations are to get the best of both worlds: Find a local bank where you can meet the people who work there. But make sure the bank has online services too. ✓ Paying bills online. The internet has made bill paying a new experience. Iconic phrases like ” The check’s in the mail” have little meaning when you’re transferring money electronically ( although many banks still issue checks when you initiate an electronic payment). Here are some of many reasons why you might want to pay your bills online:

✓ Speed: The online payment process is almost faster than a speeding bullet. Click the payee, enter an amount, click send, and you’re finished. ✓Accuracy: Assuming that you don’t mistype the numbers yourself, there’s no room for misinterpretation of the amount you’re sending with your online payment. Handwritten checks rely on, well handwriting, and we all know that doctors and others have serious problems with legibility. Numbers typed on keyboards are easy to read.
Read: Banking online

✓Timing: Suppose you’re getting ready to go on vacation and your mortgage will be due while you’re away, go online, schedule the payment to be made while you’re floating on a raft and stop worrying. ✓ Scheduling: Say your car payment is due on 5th of the month, every month, set up an automatic payment to occur on the fifth of every month until the loan is paid off. You never have to worry about missing your payment.

✓ 24/7 Availability: If you like to pay your bills on midnight or 4 in the morning, no one will stop you. The online banking bank never closes. ✓ Bad weather: If you’re snowed in, rained in, fogged in, or just plain don’t feel like going out to the post office or even the mailbox, you can still pay your bills when you use online bill payment. ( Read: Banking online)

✓ Travelling: Your bank knows no boundaries. If you’re on business in London or hiking in Peru, you can still get yourself online and pay those bills.

✓ Savings: No more stamps, envelopes, checks. All this stuff adds up. Let the post office raise the letter rate to 50 cents. You don’t care because you’re paying your bills electronically.

Source: mint.com for dummies Aaron Patzer CEO mint.com for dummies. @2011

( Read: Banking online)

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July 18, 2019April 16, 2020

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Banking online

My Brain on Beer VS Coffee

” My Brain on Beer VS Coffee”

Our brain’s cerebral cortex controls conscious thought, language and interaction. When Alcohol hits your cerebral cortex, you feel less focused, but it frees up your brain from all the distractions that normally occupied it. And when your blood alcohol reaches 0.07( about 2 drinks worth) you become more CREATIVE.

But when adenosine binds with its adenosine receptor,( the one who controls your energy level.) You feel DROWSY. And when Caffeine comes in, the receptor binds with caffeine instead of adenosine. Which means 15 minutes later, after drinking coffee, you will have more ENERGY.

The Good: Beer makes you less worried about the world around you, which frees up your brain to make deeper connections and come up with great ideas. While caffein’s effect kicks in after 15 minutes, giving you more energy and stronger ability to focus. The Bad: Drinking a couple of beers makes you less focused and decreases your memory. While drinking small amounts of coffee will result in tolerance and your body will need more to get the same stimulation.

The Best time to drink: Beer is good if you are searching for an initial idea. And coffee is good if you’ve already got an idea and you just need to focus on the busywork. Although drinking too much of either you lose the benefits of both. Everything in moderation, folks.

Conclusion:

By golly, with beer, I’ve got ideas, and now with coffee, I must swim! The idea= the execution Beer is good for Kickstarting your brain into coming up with great ideas, and coffee is good for executing those ideas.

Source: coffee gives me superpowers (Ryoko Iwata)

Beer vs coffee

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“Why Do We See The Moon in Daylight?”

July 18, 2019April 16, 2020

Something About the Sun

Natural Home cleaning

“Natural Home cleaning”

Natural home cleaning using natural cleaners at home is one of the most practical ways to avoid hazardous chemicals from using commercialised cleaning liquids. You may think it is not as effective as those chemically rich, bleach-and ammonia filled shop-bought items, but you will be surprised how effective it is.

Using organic natural cleaners are the only option you have if you want to avoid allergies and protect yourself from suffering from itchiness and sensitivities. Most of them have the same base of ingredients as follows:

1. Distilled White Vinegar
2. Bicarbonate of soda(baking soda)
3.Washing soda or sodium carbonate
4. Borax
5 Castile soap- bar and liquid
6. Lemons and lemon juice
7. Salts Epsom salts or sea salt
8.Oils, almond, olive vitamin E and coconut.
9. Hydrogen Peroxide
10 Alcohol- rubbing alcohol & vodka
11. Aloe Vera gel
12. Essential oils

These ingredients can be prepared in different ways in accordance with its uses and what to clean. Below are just a few different mixtures and its uses to clean in different areas of a house.

Bathroom: a very important room in your home that is used several times a day, with so much use, it needs some cleaning attention with good cleaning products.

1. All-Purpose Bathroom Cleaner Ingredients:

1 tablespoon hydrogen peroxide
1teaspoon Castile liquid soap
10 drops peppermint essential oil
5 drops eucalyptus oil
5 drops lemon essential

Preparation:

Add the hydrogen peroxide, liquid soap and 2 1/2 tablespoons water to a small spray bottle. Add the essential oils and shake well.

2. Bedroom and Living Room

Air Freshener

Ingredients:

125ml( 4fl Oz 1/2 cup) distilled water

6 drops eucalyptus oil
6 drops lavender essential oil
6 drops orange essential oil
2 drops tea tree essential oil

Preparation: Add the water to spray bottle, then top up with essential oils and shake to combine.

3. Carpet Cleaner (powder)

Ingredients:

250 g(9oz) bicarbonate of soda
125 grams(04 Oz ) borax
6 drops lavender essential oil
6 drops tea essential oil
6 drops peppermint essential oil.

Preparation: In a glass jar, mix the bicarbonate of soda and borax thoroughly. Drip the essential oils into the mix, shake to combine and sprinkle over your carpet. Leave for 15-20 min, before vacuuming it all up.

source: Natural Home cleaning Hardie Grant

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