The cold weather is upon us. Take the time now to replace the weather stripping on your windows and doors to lower your home’s heat load and keep out cold drafts. Applying the weather stripping is easy and inexpensive. It will save you money too as it will allow your heater to be more efficient.
First check for air drafts around your doors and windows. Feel around all four sides and where the two window panes meet. If there is not enough wind outside, have one person stand outside with a blowdryer and blow air on all these areas. Once you have identified where the problem is, choose your weather stripping. For a double-hung window (a sash on top and bottom, and one or both of them move up and down) you will need V-channel stripping for the meeting rails. Most are adhesive-backed for easy installation.
First, double-hung windows. The stripping goes in the jamb on both sides, on the window pane for the top and bottom, and on the meeting rails (the middle where the sashes meet). Wash in the jamb and on the rails where you will apply stripping and let the areas dry. Cut the weather stripping to length if you are applying to the top, bottom, or where the two sashes meet. If you are adding it to the sides, cut it 1 inch longer. Read more…
Attaining financial independence means getting the ball across the goal line, but first you need to know what and where the goal is.
Achieving financial independence is like most things, if you’re going to get there, you’ll need a plan. We might best start by establishing specific goals that are reasonable to achieve. Being specific gives us a recognizable target, and being reasonable helps foster our own success because as we achieve each milestone, it becomes a confirmation that we’re able to achieve, and that serves as encouragement for us to achieve in even greater ways. Let’s consider a range of goals that might be typical for individuals desiring to achieve financial independence. They can be used as separate targets, or one might arranged them in a sequence to provide stepping stones to success.
In any event, we need to know what the goal is before we start to play the game, otherwise, we have little chance of scoring. The good news is that we pick the game and identify the goal.
Let’s start off with a silly goal, just to get it out of the way, and then we’ll proceed in a more serious manner.
1. Become a millionaire. Okay, I had to start with this one as I view it as somewhat silly. There seems to be a generally accepted notion that being a millionaire somehow constitutes being financially independent. I don’t think it does. There are millionaires made from lotteries and inheritance who wind up penniless in relatively short order, so it takes more than achieving a number with a bunch of zeros on the end of it to declare financial independence. I also think it’s much more a cultural cliché than a goal.
Moreover, financial independence doesn’t require a million dollars. Based on your lifestyle, it’s very possible to achieve financial independence with considerably less. Living large and happy doesn’t require the magical million dollars. Read more…
For many, moving abroad is a lifelong ambition. The lure of moving to a new country to begin a new way of life – whether in the sunshine near a beach or in a rural area that brings you closer to loved ones – is a dream. For some people, that dream becomes a reality. More people are moving abroad every year, choosing a new country of residence which allows them to live out their idea of a perfect life.
But when is the right time to make the move?
You need to make sure you can afford it. It can take some real investment to be able to purchase property abroad, to pack up your life in the UK and take it thousands of miles across the globe. That said, depending on property prices abroad, and/or whether you’re downsizing, it may be something that isn’t too much of a stretch, money-wise.
For many, employment is a consideration. Are you are ready and willing to take on a new challenge by working in a new company in a new country? In order to secure employment it’s possible you might have to take on a completely new role. Are you ready for that, and are you at a point in your career where you can easily make the change?
If you have children they also need to be considered. A time in their education will arise where they can be moved to another country with very little disruption such as making the move from Primary to Secondary school. But otherwise, things can be tricky, and it will mean them leaving their friends behind.
Obviously, you can’t move until you have chosen the country of residence, found a property to live in and it would help to have sorted things such as bank accounts, employment and schooling. There really is a lot to consider before making the permanent move, and that is why financial transfer company www.worldfirst.com have created a downloadable EBook containing a guide to moving abroad.
Run an online search to find out the cost of the new GED and one can quickly find the price of the test to be $120, but that is only part of the story. That price has increased almost 250% in the past 10 years and varies widely from state to state. Some states offer subsidies to allow students to take the test for free while other states require students to pay the entire fee.
With a still struggling economy, many states cannot afford the increased testing fees, which is bad news for those hoping to test. Many GED students earn minimum wage. Several support families. Increasing the cost of taking the test puts those already struggling at a greater disadvantage. Read more…
Bake up a treat with an easy cookie recipe in minutes!
Here’s a quick, easy cookie recipe just in time for the baking seasons of the year. Three ingredients plus a Hershey’s kiss on top and 30 minutes are all you need to whip up a simple homemade treat to wrap for just about anybody. These are flour-free and gluten-free. We have learned at our home to eat one or 2 and then wrap the rest for gifts or we’ll eat them all! Read more…
In preparation for a long trip I recently took, I acquired a steel wheel and mounted a good full-size spare on it. My aim was to replace the “doughnut” spare with a full-size wheel and tire for peace of mind. Photo left shows the compact spare on the left and the full-size spare on the right. There is a noticeable difference in diameter and width.
The compact spares of today are a great improvement over what they were many years ago when they were only designed to travel a short distance, just enough to get you to a repair facility. Nevertheless, they aren’t as desirable as a full-size spare. Here are the reasons why:
The footprint of a compact spare is smaller than your regular tires, so you wind up with less traction. Remember, your tires are the only things that keep you on the road, so having a larger footprint provides you with better traction for starting and stopping. Most important of course is the ability to stop your car quickly, and the more rubber you have on the road, the better you’re able to do this. The ability to stop a car is a primary function you must have for safety. Read more…