Health During Pregnancy

When you find out you are pregnant, there are so many things to worry about and consider. The main one being your health and the baby’s health. It is important to do your best to fuel you body with the best so that the baby gets exactly what it needs. Everything from what you eat to what products you use, and even what is in your home can affect you and the baby.

FOOD

Everything that is put in your mouth is shared with your unborn child. It is important to think twice when eating because you are sharing with them and building a human being. You may not be a believer in organic food purchases but now is the time to change your stance. When pregnant it is imperative to give your baby the most quality food and avoid chemicals at all cost and make the best choices. The food you consume and purchase should come from a reliable source and give the vitamins and nutrients your child needs. There are products that are proven to be helpful during pregnancy.

There are many foods that pregnant women are asked to avoid. Things such as lunch meat, unpasteurized cheeses, raw seafood, shellfish.

Another element that is important during pregnancy is vitamins. It is important to take the proper prenatal vitamins to ensure that your baby is getting the right nutrition regardless of your eating habits.

BEAUTY PRODUCTS

Every human being uses toiletry products and think nothing of it. What everyone should know is that there are a lot of chemicals in our products. It is so bad that the US allows the use of certain chemicals that are banned in other countries. Do you want to use that on your body, and most importantly do you want your baby to be exposed to that as well? Everything from lotions, face wash, toothpaste, body wash, makeup can be found in safe/non-toxic formulas to allow everyone to be safe.

CLEANING PRODUCTS

Just like your food and toiletry products, cleaning products around your home often contain harmful chemicals. It is best to choose the products at the store that say they are chemical free or free from dyes and fragrances. All of those things can seep into your system and affect the baby.

EXERCISE

Exercise and keeping your body at a healthy weight is extremely important during pregnancy. At the beginning of your pregnancy, your doctor will tell you what a healthy weight gain for you is and it is important that you follow it. A lot of people think pregnancy is the time to eat what they want but that just isn’t true, consuming dead end calories can be harmful. Too much weight can put stress on the mom and in turn stress on the baby. Later in pregnancy it is hard to stay active so a lot of people turn to yoga or walking that is less high pace. There are certain circumstances that may cause a mom to gain more weight, such as gestational diabetes or a twin pregnancy. Even then there are still ways to be healthy and exercise.

Overall, your health as a pregnant woman is very important to you and our baby. It is best to read up and research all of the ways you can do your part.

When Is Term Life Insurance Better Than Paying Off a Mortgage?

Taking on a mortgage is an expensive undertaking, but it’s one that has its rewards. Owning a home gives people the opportunity to live out their dreams of having their own place to live, raise their family in a neighborhood that reflects their values, and live a lifestyle that could never be achieved in a condominium or apartment. Except the cost of homeownership isn’t cheap and having two incomes is better than one when it comes to making sure all of the bills get paid. In turn, that generates the thought of what might happen if one spouse passed away before the mortgage is paid off. One obvious solution is to get mortgage life insurance, but that may not be enough.

Mortgage life insurance is an excellent product that’s used to pay off the mortgage in the event that a spouse dies, but that’s all it is. It doesn’t cover anything other than the remaining balance on the mortgage. And if the family left behind is of school age, there won’t be any extra money for them to go to college. Nor does the spouse gain a benefit in the form of lost wages being covered to a degree. This is where term life insurance is far more beneficial in that it’s flexible, can be taken out in an amount higher than a mortgage, and provide money for those who survive.

Take the quiz below to learn more about why term life insurance is a better option for paying off a mortgage when a spouse passes away.

6 Ways to Save Money by Going Green at Work

Tesla’s hyper-sexy cars and expensive solar roofs may have you believing that going green is only for the rich and famous. But don’t let Musk convince you that being environmentally-friendly needs to cost a fortune. Here are six simple ways you can go green whilst actually saving money for your business:

1.  Government subsidies

The government is trying to incentivize going green, and there’s a good chance you’ll get a rebate for being environmentally friendly at work. If you’re short on cash on a rebate approved investment, a good idea may be to get a small grant, or a cash advance from Cash Stop to install the technology required to go green. Considering how these newer and sustainable technologies are cheaper to operate, you can expect some considerable savings over time.

2.  LED costs less

There’s no doubt that LED bulbs cost more upfront. However, they are designed to last nearly 25x longer than other bulbs. Over time, these smart LED lights can cost nearly a third of what incandescent bulbs would cost you.

Switching all your bulbs to LEDs could save your business thousands of dollars each year, and the government estimates it could save the country a total of $30 billion by 2027. LEDs look better and are more customizable, so there’s really no good reason not to get them.

3.  Upcycle furniture

Used or recycled furniture will probably cost less to buy and is great for the environment. Old chairs and desks can easily be refurbished for use in your office.

4.  Save money on travel by working from home

A report from 2013 found that nearly half of all the staff at the US Environmental Protection Agency (EPA) worked from home. This is because the department responsible for conserving the environment knows what’s best for it.

Working from home cuts out the single biggest pollutant – vehicular emissions. It also costs the business less to provide heating and lighting for employees when they turn up to work. Large firms like IBM and Microsoft have saved tens of thousands of dollars per employee who chose to work from home.

5.  Conserve Water

Even a relatively small office can save nearly $300 a year by using water-efficient appliances. You can probably go a step further and replace your toilet and heaters with the latest technology to conserve even more water each year.

6.  No More paper

Paper isn’t expensive, but larger firms use a ton of it and much of it is wasted. Over time, the costs add up. Digitizing completely means less waste and substantial cost savings, depending on the size of your business. Some large firms have saved millions in paper costs alone.

Going green isn’t always expensive. These are just some of the sustainable moves you can make to cut costs while saving the planet.

How to Find Good Deals Online

The internet has made it easier than ever to find the kind of bargains you used to have to spend hours rooting around malls and second-hand shops to discover. Here are some tips to help you get the most bang for your buck and dodge some of the tricks online retailers might try to play on you.

Let Your Cart Simmer

If you see something you like the look of on a website, stick it in your online shopping cart and then leave the site alone for a day or two. The website may register your interest in the product but also believe your delay in purchasing might mean you’re looking elsewhere for a better deal. With any luck, there’s a decent chance a promo code or voucher will show up in your inbox to try to make you follow through with the purchase.

Stay on Twitter

Twitter is stalked by some of the most voracious bargain hounds on the internet. To keep you main feed uncluttered, considering opening a second account to follow sharp-eyed users as they let the world know about the latest deals and flash sales. A flurry of specifically hashtagged tweets showing up together may mean that there’s a sale on the subject matter going down.

Barter In-Store

If you’re in a shop browsing for an item, particularly one of high value, see if you can manoeuvre into a conversation with the manager where you show him there’s a better deal online. It’s their job to hit sales targets and free bonus slots, so with a little tact and charm, you may find the shop prepared to give you a discount to match the list price.

Check Free Shipping

While free shipping is great, don’t automatically assume that you’ll be making a net saving on the cost of your purchase. Some places may charge for shipping but still have the product at a cheaper price to make a bigger overall saving.

Snuggle up to Your Favourite Brands

If you’ve got a brand you’ve always been crazy about, consider bookmarking it, adding them on social media and signing up to their mailing list and uk slots.That way you’ll be the first to hear about surprise sales both on and off the line, and might be the recipient of loyalty awards like coupons and discount codes.

Be Mindful of Your Surroundings

If you live in a fancy or well-off area, you may be hindering your chances at finding the best deals. Businesses will use online telemetry to find out your IP address and zip code, which could work against you if they flag your location up as being affluent. They may, therefore, increase the prices on their site when you visit that location. A permanent solution is to run your browsing through a VPN to confuse tracking software. Or a simpler solution might be to compare prices when browsing from work or at a friend’s house.

Clear Your Browser

Websites will track your attendance and browsing behaviour through cookie software installed in your computer’s cache. This can lead some companies, say an airline, to bump up prices if they see you shopping for the same destination flight over a sustained period, increasing the price to match what they see as the degree of need on your end. Similarly, prices may be lower for customers they view as browsing the site on an introductory basis to get their repeat custom. Either shop in a private browser session where surfing data gets wiped after you close the window, or simply clear your history in between shopping sessions.

When Should You Call an Interim Manager?

It’s not uncommon for businesses to run into problems they don’t have the institutional knowledge to solve. Sometimes this is a natural evolution that leads to a growth of the business and its operational capacity. The rise of the IT department is something that has happened within living memory. It required businesses to take a risk, employing full time staff who were specialists in a new field, and sinking resources into equipment and training. The result of this, however, was increased efficiency; better problem-solving capacity; and now it’s impossible to imagine any business of any size without an IT support team.

Similarly, absorbing new expertise is part of the growth of a business. Start-ups and small businesses often make do without full time HR staff. This works as long as you have a small number of employees and can extend them flexibility in return for commitment to a growing business. Once you start to grow, processing payroll can be too much for an overstretched founder to handle, quite apart from tracking holidays and staff sickness. It makes sense as a business grows to transition into having dedicated HR staff to handle that side of a business for you, and is part of the foundation for future expansion and success.

Sometimes, however, businesses face a problem that doesn’t justify taking on new full-time staff. A project failing or overrunning, or an urgent to break into a new market represents an acute need, rather than a chronic one.

It’s in situations like these, when you need a short term dose of additional knowledge and resources, that Interim Managers are a good idea for your business. Experienced in adapting to business needs quickly, they are a solution that’s available immediately, and provides practical support rather than the recommendations you would receive from a traditional consultant. If you have a failing project you need to turn around, an Interim Manager wouldn’t simply make recommendations about how to bring it under control, they would work closely with you and the project team as a project manager.

As long as you have a quantifiable aim in mind like increasing your revenue by a set amount, or facing a particular crisis, an Interim Manager is a good solution for your business. If you have more diffuse goals like broad improvement or simply ‘growth’ without figures attached to these aspirations it’s unlikely the practical skills of the Interim Manager can help.

Popular Cruising Myths Debunked: Why Cruises are Ideal for the Adventure Holidaymaker

Cruise holidays have, over the years, become surrounded by a number of misconceptions, myths and stereotypes. That’s why we’ve decided to debunk some of the myths and explain why cruises are still great for all types of holidaymakers, including those looking for an adventure.

I Can’t Afford a Cruise Holiday

Granted, some cruises can be expensive, but this doesn’t mean all cruises are out of your price range. In most cases, a cruise holiday will cost the same as a package holiday to a beach resort, while sometimes, you may even find that they’re more affordable.

A lot of cruise companies, like Bolsover Cruise Holidays, for example, include a variety of things within the total price, such as meals, evening entertainment and tours. Furthermore, when you’re on a cruise, you aren’t limited to one destination, which provides you with far more value for money than a single-destination holiday.

I’ll Be Bored While We’re at Sea

Even though some cruises do involve a lot of time at sea, this by no means implies that you’ll be bored. Cruises have been specially designed to cater for a whole host of needs, offering entertainment, shows and activities throughout the day and night. That’s not to mention the added bonus of leisure activities, sun loungers, bars, spas and much, much more.

Every ship provides its cruisers with unique entertainment, which is why you’ll want to investigate this before you go so you’re choosing something that’ll entertain you throughout your trip. And don’t forget that, when you’re sailing along on your cruise ship, you’ll often be taking in a lot of the sights that you’re passing along the way.

We’ll Only Stop Off at Beach Resorts

This is another huge myth surrounding cruises because even though many Mediterranean and Caribbean cruises will visit beach destinations, some cruises will offer you other unique destinations. For example, you could choose to sail to the Middle East, sail along the Mexican Rivera or take in the sights of Asia. Cruises definitely aren’t limited, which is why any you’re sure to find a holiday that feeds your sense of adventure.

I’ll Find the Food Options Limited

Our final myth couldn’t be further from the truth because the majority of cruise liners come complete with their own on-board, high-quality chef. This tends to mean that the restaurants on the cruises liners give many dry-land eateries a run for their money. Not only do they offer a variety of food but it’s all freshly served to you throughout the day.

Many years ago you may have found cruises limited, boring and expensive, but today, they’re a favoured holiday for all types of travellers, with cruises to suit everyone.

 

Professional Support Every Musician Needs

Being a professional musician is a difficult path. It’s a long journey from playing small pub gigs for nothing more than the joy of playing to a crowd to building enough profile that you can support yourself on your musical earnings.

On the way to this dream, you’re going to need support from some professionals to keep youself safe and avoid some of the pitfalls that are waiting for you in a creative career. Fortunately, lots of professional bodies, charities and other organisations exist to make sure you get the support you need to navigate this difficult world.

Union Dues

If you work regularly as a musician you may wish to join the Musician’s Union.  As well as being a good hub to connect musicians with resources like rehearsal space, tuition and of course each other, they also ensure good standards throughout the music industry. If you’re being forced to work extra hours without overtime pay, for example you can appeal to the union for representation and advice.

They also campaign about issues affecting musicians. For example, the Musician’s Union is campaigning for better provision for musicians traveling on airlines with their instruments.

Lawyers

While no one wants to encounter legal problems, being self-employed and working for many different clients means the possibility to run into difficulties are multiplied. If you have a contract to sign that you are uncertain of, run into the problem of non-payment for your services or need to protect your intellectual copyright, you may need to consult a music lawyer.

Lawyers who specialise in performer’s issues are available, or you may wish to use a less specialised lawyer who you already have a relationship with. Using an online lawyer rather than a high street firm can help you keep costs down by making sure you only pay for the service you need, rather than a whole hour’s appointment. Reading and advising on a contract before you sign it likely be a quick job, and using a lawyer who will only charge you for the time taken puts this service in your reach and makes it more financially justifiable.

Other support can be found through ISM, the professional body for musicians. Even if you’re not sure what sort of help is appropriate for you, joining and making contact with ISM gives you access to people who can identify who can help you, and connect the two of you.