Important Facts About Land Erosion and How to Prevent It

Land erosion is a naturally occurring process involving natural elements such as water, ice, wind, and gravity that end up removing the fertilized soil on the upper surface of the earth exposing the rocks.

Thankfully, there are a number of ways to not only identify signs of land erosion but also prevent it from happening using methods such as an erosion control blanket. Below is some useful information you might want to know about this natural phenomenon:

What Areas Are Most Likely to Be Affected by Land Erosion?

There are quite a number of places that are most affected by land erosion. It is, therefore, a great idea for you to be knowledgeable about the subject so that you can know the right way to protect your soil from losing its fertility by means of rigorous erosion. The first place most affected by erosion is the valleys or slopes.

This is because of two things – gravity and rainwater. The same also goes with areas along rivers. This happens because of the constant rush of water which will, in the long run, loosen the soil around the banks and will result in massive erosion.

You’ll also realize that areas with aggressive winds, as well as snow, will be most affected by land erosion. This applies to areas known for constant snowing since ice has the same effects as water. That said, it’s important for you to note these areas and find the best ways to eliminate the issues effectively.

What Are the Courses of Land Erosion?

There are quite a number of causes of land erosion, one of them being poor farming practices. Farmers who are always tilling land near river banks or valleys are strongly advised against tilling near the edges as it encourages land erosion due to running water as well as gravity.

As mentioned before snowing and wild winds can be incredible sources of land erosion. Thankfully, there are plenty of ways one can reduce these elements from damaging the soil as we shall discuss below. Another rather notorious cause of land erosion is deforestation.

Trees play a very important role when it comes to curbing land erosion thanks to their roots that hold the soil firmly together. They also can break the speed of the water as well as winds. That means cutting down the trees will end up doing more harm than good.

Curbing Land Erosion and Conserving Natural Resources

The first effective way to stop land erosion is by planting trees, as well as grass, on the areas most affected. Doing so will prevent erosion from happing since the cover and the roots will end up consolidating the soil together thus preventing the water from collecting it all downstream. Farmers can also stop cultivating land on sloppy areas as well as near riverbanks. This way, they won’t have to worry much about the silt running down with the water and depleting the natural resources in the soil. You can also use an erosion curbing blanket which will protect the soil from the adverse effects of erosion. These blankets will keep the topsoil intact while the seedlings are taking root and protecting them at all times.

You can also reduce the dire effects of land erosion by adding more rocks or mulch in and around the edges of your farm. Mulch and rocks also happen to be very efficient absorbers of water and will reduce the speed of running water which will, in turn, spare the topsoil from being washed away and the natural resources with it.

Land erosion, if not put in check, can lead to a lot of unfortunate circumstances. For starters, the land will lose all of its fertility and there is also a likelihood of accidents occurring in the form of landslides or mudslides. Thankfully, following any of the above-mentioned methods can end up saving you a lot of problems by simply putting a stop to erosion altogether.

There is no shame in asking for help when it comes to curbing soil or land erosion. Thankfully, there are specialists out there who will be more than willing to be of assistance. That said, feel free to use the Internet to find much-needed assistance before the situation gets worse.

The Financial Impacts on Families Due to Government Shutdown

The United States is currently going through the longest government shutdown in its history. Partial government shutdown or full government shutdown, it doesn’t matter. The pain of the unpaid government workers, laid-off associated contractors, and numerous businesses that either supply the government, depend on government workers for its business or have any kind of interaction with the government are experiencing great pains.

This is not a red pain or blue pain. Instead, it’s a green pain because the economic impact puts a strain on personal bank accounts regardless of personal politics. Although government agencies have published some seemingly tone-deaf tips about how their workers can survive this shutdown, they’ve mostly fallen flat. They don’t account for the fact that most families affected by the shutdown are those who get personal loans for bad credit to pay the bills. Garage sales and mystery shopper gigs aren’t going to get the job done.

Friday, January 11, 2019, was the first day government workers missed a paycheck. That means that those financially hurt by the government shutdown are starting to see even more magnified effects on their personal finances. Many workers who have to still work during the shutdown got a pay stub that said their normal hours worked but $0.00 for pay. While the government may have itself on ‘pause,’ one’s bills, creditors and grocery needs are ever constant and far from being patient during this stoppage.

The immediate and measurable need of cash creates financial instability for those impacted by the shutdown. Some people’s homes will move into delinquency and/or foreclosure. People’s credit ratings will be impacted because of their inability to meet their monthly payments. News has promoted stories of individuals unable to get proper health care or medicine. All of these scenarios will have long term impacts, ranging far beyond whenever the government does open back up for business.

What to Do in Order to Survive the Shutdown

The following offers a few tips of things that you can do to help survive this shut down:

  • Consider borrowing money to pay bills until the shutdown ends (including from friends, family, your retirement savings, loans, and credit cards);
  • Contact your creditors in order to see if they offer any special assistance as someone impacted by the government shutdown;
  • File for unemployment, if eligible, so that at least a portion of your normal pay will be made available to you;
  • Some employees have even started GoFundMe pages in order to seek assistance from the general public; and
  • Contact your local elected officials to voice your concern and personal situation so that they can advocate on your behalf.

Avoiding bankruptcy is a key to these steps so that you’re not penalized for the actions of the government in your personal life. Avoiding bankruptcy outside of a government shutdown can usually be helped by visiting with a credit counseling agency, so that is something that you might want to do now as well.

Although this government shutdown is the longest ever, the shutdowns are happening more frequently than ever before. Thus, there is a good possibility that you might be in this situation all over again sometime in the near future. Whether it’s a delay on receiving your tax refund or being able to go to court, the shutdowns are like a pebble in a pond and the ripples will expand far beyond where the pebble hit the water.

Shopping Around in the Digital Age

We all love a bargain and, thanks to the internet, there’s usually always a host of deals to be had somewhere, all just the click of a mouse button away. What’s more, ease of browsing through search engines allows us to find multiple locations to buy exactly what we want, quicker than it’ll take you to read this article.

Focus on the Time of Year

Convenience and reputation often tend to attract the most custom, along with a vast range of diverse products, which is undoubtedly why the leading internet shopping sites in 2018 were Amazon, eBay and Walmart. However, just because they’re the biggest and most famous, offering a one-stop-shop for practically everything you could want, doesn’t necessarily mean they’re better than other online stores.

Any savvy shopper will always make a point of comparing prices between stores as a matter of principle and, sometimes, the bigger name stores can offer some of the best prices and discounts. However, price shouldn’t always be the deciding factor when buying something online, given there are lots of other factors one should perhaps consider when deciding what constitutes a good deal.

Image Source: @knowledge_18 via Twitter

One interesting approach is to plan for the year ahead, given that certain products can fluctuate greatly in price depending on the season or month of the year. We’re all familiar with Black Friday in November, although, it might not always be the best time for a good deal. For example, if you’re shopping for home decor and furnishings, big-box stores frequently offer some of their best deals around Memorial Day in May. Likewise, a good time to buy home appliances can be September and the week leading up to Labor Day, with many retailers offering great clearance deals.

Articles of clothing are also affected by the seasons, as brick-and-mortar stores and online retailers alike rotate their inventories. If you’re looking for a bikini for the summer holidays or some garden furniture, then you’ll usually pay more for them when demand is highest, from June through August. Buy them during the springtime with early deals or, even better, wait until autumn and think of the following year, when retailers want to clear their stock at knockdown prices.

Smarter Gambling

While it’s fair to say that online gambling might not be considered the most financially sustainable pastime, it’s a popular pursuit that many of us do still enjoy. Indeed, placing bets and playing casino games via the internet has become so popular that the global online market is expected to generate revenues in excess of $74 billion by 2023 according to marketwatch.com reports, with the online gambling industry growing consistently by around 10% year on year since 2017.

Along with traditional table games such as poker, blackjack and roulette, amongst the most popular are the slots games and they can be promoted in a variety of different ways. While some casinos offer deposit bonus deals, crediting new user accounts with a free cash bonus based upon the first amount they deposit, others offer free spins for their slots, without the need to place an initial deposit after signing up.

Image Source: @gBitcoincasino via via Twitter

Getting something for nothing may seem too good to be true but Oddschecker has compared and listed online casino deals, highlighting those with free spin no deposit offers, how they can be used and how such offers vary from casino to casino. For example, some of the free spins are limited to very small stakes, must be used in one particular slot game, or used by a certain date; although it is possible to play without spending a single cent.

Nevertheless, always read the terms and conditions carefully, so you know exactly what you’re signing up for. Shop around to find the best offer that suits the way you play and for the kind of games you enjoy playing, whether it’s free spins or cash bonus, when opening a new account. Likewise, never deposit more than you can afford and are willing to lose, because while the chance of winning is always enticing, and the games can be great fun, it’s always sensible to set yourself a limit and stick with it.

Digital vs Traditional Purchases

Remember when video games, computer software and movies came in a box? Well, the internet and faster-than-ever connection speeds have forever changed how we consume digital products. Back in the old days, we went to a retailer and got a physical product in a box, something we could hold in our hands, usually with a neatly printed and detailed instruction manual, and perhaps even some other gimmicks such as collectibles or accessories thrown in.

These days, few want DVD cases, software or game boxes cluttering up their homes, aside perhaps from the most ardent collectors. True, doing away with needless packaging removes the environmental footprint left by the plastic and paper waste. However, one would assume that might also mean a reduction in price given there’s no packaging required, though if you’ll forgive the pun, it isn’t always the case.

Image Source: @pcgamer via Twitter

Many movie, game and software prices have actually risen, instead of falling, with online retailers and publishers citing the increased cost of servers to host the library of their products, or bandwidth needed to meet the volume of download demands. The main convenience for the buyer is they can get what they want “on demand” pretty much instantly, downloading their product whenever they want, without the need to leave the comfort of their home and visit a traditional retail store.

Yet, many video games, software and movies can still be purchased at traditional retail stores, in boxes and on disc, cheaper than their digital download equivalent. That would appear to defy all logic but nonetheless, it’s still true for even some of the latest releases. For now, that is, because the future points towards more digital downloads, online streaming, and even software as a service, requiring a subscription rather than a one-off purchase. The option of buying boxed products cheaper is looking like it’ll head the way of the dinosaurs in the next few years, so grab your bargains while you can.

Whether it’s shopping around for physical products, making digital purchases or gambling online, shopping around is just as important as it was when we used to walk down Main Street, peering through store windows at the offers and sales. As ever, keep browsing and don’t plump for the first deal you see, as there could well be a better on just around the corner.

How To Finance Your Car Purchase

Whether you are a seasoned car buyer or a first-time car buyer, the process can be daunting. Not only do you have to find a car that works for you with make and model and style, you need to find one you can afford. In most cases, people are financing the purchase of their vehicle. This is because they don’t have the cash on hand to pay for it in full. Financing your car purchase is doable, below we have outlined a few key tips that will help with the process.

Knowledge of Lending

Before going to shop around for either your car or for car loans, it is important to understand what you are doing. Learn about auto loans and get to know all the terms and items that may be thrown at you when meeting to discuss your financing. If you don’t understand it, you may end up signing a contract that isn’t in your favor and you will be locked in for its duration. This could put you in financial trouble.

There may be a benefit to earning money with swagbucks to put a larger down payment.

Credit Score

Your credit score is a key factor when it comes to lending. If you have bad credit history than you may not get the best offers from lenders. This means you may have to pay higher rates for them to take on the risk of giving you a loan. If you have a good credit score than it may be in your favor because you will get a better deal. This means you may be offered more money with lower interest. Either way, it is important to understand where you stand when it comes to your credit score before you shop around.

What is available

Shopping around for a car loan is in your best interest. Check out comparison tools that put different loans side by side and allows you to filter the results to see exactly the type of loan you are looking for. You can also apply online for most loans. This allows you to find the best financing deal. This would mean you are getting the lowest rate and the most favorable terms for your situation. Besides finding loans online or with financial institutions, you can get offers from a car dealership directly. See what the dealership where you want your car says you are qualified for and be sure to pick the best one.

Finalize the Loan

Once you have negotiated a deal that is acceptable to both you and the seller, it’s time to sign the paperwork. Make sure you read between the lines and don’t just sign on the dotted lines. Lenders and Dealerships are known to include things in the fine print like additional fees and penalties. Things like turn in fees or over mileage fees can creep up on you. Don’t let anyone try to weasel their way into making you sign. Politely ask them to go through each page with you so you understand what you are signing and don’t regret it later.

When making such a big purchase as buying a car, it is most likely you will be financing. Be sure to follow the steps above to make the best of the experience and get exactly what you are looking for.

Essay about The Importance of Personal Finance

This is a sample essay on the importance of personal finance. Students can use it as an overall guide on how to organize and structure your own essay on the same topic. If you have problems with such writing, turn to an essay writing service for help. In this case, you will get a professional to write the paper for you. This option is of much importance for those who want to see how real experts work on such pieces of writing.

It’s not an exaggeration to say that money is one of the most important aspects of living life. Many people spend the entirety of their lives needing money, training to make more money, or actually making it so they can afford all of life’s many expenses. That said, one cannot deny that the modern days numerous expenses call for personal financing and management for almost everyone, but especially students. It’s no secret that many college students struggle with their finances, and while this scenario can be somewhat attributed to the rising cost of a college education, there have also been many arguments supporting the notion that students simply do not understand the importance of managing their finances. This sample piece discusses the value of personal finance in a student’s life.

The primary reason many students suffer financially throughout their college years is that they are often impulsive, mostly due to being young and relatively inexperienced in living on their own. Most students do not fully understand the true extent of expense when living solo, often leading them to put less value on money for necessity rather than amenities. A lack of inhibition is to be expected to some extent, and there’s not much that can be done about it outside of life experience itself. Personal financing is an excellent alternative, due to its inherent nature of bringing money to the forefront of the student mind. The first step to solving any one problem, in this case, a student’s lack of awareness or experience on an issue, is to make the issue obvious so that it can be studied and accounted for. In this light, personal finance is important to students simply so that they may realize just how vital financial management is when living on your own.

Naturally, personal finance serves a very important functional purpose for students as well. Once the need for personal finance makes itself obvious, that usually equates to budgeting. Budgeting one’s finances is one of the most effective ways of countering the impulsiveness of youth, primarily by not condemning it outright. Being able to spend money on things one does not need but does enjoy shouldn’t be criticized, so long as it is done in moderation and secondary to necessities, which budgeting helps facilitate. By taking the time to partition one’s resources according to their needs, not only does a student learn the details of their living expenses, but they ensure that they can be met. Furthermore, this partitioning of money lets the student know exactly how much they have left over to satisfy their secondary wants following their primary needs. In this way, personal finance, and the budgeting it entails accounts for a student’s needs but does not punish them for also satisfying their wants, within reason. Not only does this lead to greater financial stability for them, but it helps keep them content as well.

Finally, and perhaps most importantly, personal finance helps facilitate fiscal responsibility in students that have, for the most part, been able to rely on the financial abilities of their parents throughout most of their lives. There is much to learn about the financial world, especially once you are living on your own. Many students do not know the true value of an investment, saving money on a monthly basis, or the dangers of relying on credit, despite how important it is to build that credit. To call the financial world complicated would be an understatement, which is exactly why personal finance is such a broad term; and why learning its intricacies is valuable for anyone, not just students. In truth, the value of personal finance cannot truly be ascertained since it includes such a broad spectrum of knowledge, skills, and tricks, but that value also cannot be overstated enough. It is a valuable life skill that will serve any individual for as long as they live, but students, who are usually facing the world alone for the first time, can reap more benefits from personal finance than nearly anyone else.

In short, the value of personal finance to students is potentially even more significant than it is for the average member of society. There’s no real specific reason for why other than the simple fact that knowing how to manage your finances in useful no matter who you are or what you do. All other factors notwithstanding, there’s truly no argument to be made against an individual learning as much as they can about personal finance. But for a younger person that has less life experience than others, the benefits of learning and mastering the many facets of personal finance are great. Aside from teaching them more about managing their own money in a way that still allows them to indulge to an extent, they will also learn the value of many different financial tactics and the risks of relying too much on riskier financial alternatives. Going into full detail on the values of personal finance for a student is not possible in this brief discussion, but in reality, it doesn’t need to be. That personal finance is a valuable skill to learn is obvious, regardless of what member of society is in question.

References:

  1. Basu, Sudipto. “Personal Finance for College Students.” One Cent At A Time, 30 Dec. 2017, onecentatatime.com/personal-finance-for-college-students/.
  2. Clark, Sophia. “Why Personal Finance Education Is Important.” TechBullion, 18 Feb. 2018, www.techbullion.com/why-personal-finance-education-is-important/.
  3. https://www.BlueShoreFinancial.com, BlueShore Financial: “Ten Reasons Why Financial Planning Is Important.” Ten Reasons Why Financial Planning Is Important | BlueShore Financial, 2018, www.blueshorefinancial.com/ToolsAdvice/Articles/FinancialPlanning/TenReasonsWhyFinancialPlanningIsImportant/.
  4. Joy, Devin. “Personal Finance for College Students | Lesson Plans and Workbooks.” InCharge Debt Solutions, InCharge Debt Solutions, 2018, www.incharge.org/financial-literacy/resources-for-teachers/college/.
  5. “Personal Finance Lessons: Budget Planning for College Students | SunTrust Resource Center.” SunTrust, 2018, www.suntrust.com/resource-center/personal-finances/article/personal-finance-lessons-budget-planning-for-college-students.
  6. Sherman, Brad. “The Importance of Personal Finance Knowledge.” Sherman Wealth Management | Financial Planning in MD and DC Metro, 1 Nov. 2016, www.shermanwealth.com/the-importance-of-personal-finance-knowledge/.
  7. Zucchi, CFA Kristina. “Why Financial Literacy Is so Important.” Investopedia, Investopedia, 19 Mar. 2018, www.investopedia.com/articles/investing/100615/why-financial-literacy-and-education-so-important.asp.

Beware of These College Savings Plan Pitfalls

When saving for a child’s education there are a few options available. Every family has different needs and a different situation so it is important to research what is best for you given the age of your child, your financial means and needs. A very popular option is the college savings plan which was created for the purpose of education costs savings plans. There are many benefits to this type of plan (i.e.; tax advantages, parental controls) but there are some drawbacks and pitfalls to college savings plans that aren’t always discussed. Here’s a closer look at some of these advantages and disadvantages:

Taxes

Most people are attracted to college savings plans because of their tax benefits. There are definitely tax benefits which include earnings grow on the tax-deferred basis and qualifying educational expenses are tax-free, but it is important that you are careful. If you do withdrawal earnings it is important that they are being used for qualified expenses at a qualified institution. If you don’t do this than the earnings are taxable plus a 10% penalty is applied. This can lead to some hefty bills, so it is imperative that you keep track and are following the rules on qualified expenses for your plan.

There is an application out there that can save you time, and help kickstart your college savings plan. U-Nest.com can take what used to take hours of expensive meetings with financial advisors, and involved faxing, copying, and emailing paperwork, etc – now can be done from your phone in about 5 minutes – and the process is entirely secure and paperless. Download their app to get started today!

Flexibility

College Savings Plans are not very flexible when it comes to changes in your investment. The frequency of changes to your selections are often limited. Sometimes an additional charge may be applied or you may be forced to change plans.

Complexity

Since college savings plans are very beneficial for saving for college, there are many particulars when it comes to certain aspects of the plans that can lead to mistakes. There are often rules about what are eligible expense, rules regarding gifting, rollovers to family, financial aid and tax quirks that are unique to these type of plans. As with the tax benefits, it is important to stay on top of these particulars.

Diversify

You may find that diversifying your educational savings is the way to go. Use the 529 for their benefits, but also use the other instruments to save as well. By spreading your savings around, you’ll give yourself the most financial flexibility for that day when your kid becomes a university freshman.

Consider the items mentioned above to make sure you are making the best decisions about your college and educational savings.

Distinguishing Wants from Needs

One of the most difficult aspects of living in a market-driven, consumption-oriented society is knowing when what you already have is good enough. After all, you’re bombarded with messages everyday telling you the thing with which you thought you were satisfied has been replaced by something ending with the suffix “-er”.

Whether bigger, better, faster, prettier or even smaller, we’re continually being told what we have isn’t good enough. This can make distinguishing wants from needs tough to do.

Needs and Wants Defined

On the face of it, the difference between needs and wants is pretty simple.

A need is something you must have to survive, while a want only makes your existence more pleasant. For example, you might well need a car to get back and forth to work to earn an income to help you survive. But you want that car to be a Porsche or a Cadillac—even though a Volkswagen or a Chevrolet will do.

When it comes right down to it, all you need to survive is nutritious food and water, competent health care, clothes, shelter, and an income to help you acquire those things. Desiring anything beyond the basic version of those things transforms the need into a want.

Mind the Questions You Ask

Marketers routinely plant thoughts in our heads to elevate wants into needs.

“Why throw good money after bad? Rather than fixing that toaster, just get a new one with more modern features.” (Because it will cost more.)

“Why settle for a HDTV, when Ultra HDTV is coming soon and will make HDTV obsolete?” (It doesn’t.)

“I’m already spending $20,000 to get the car, why not spend another thousand to get it in silver?” (Even though white is included in the base price.)

Succumbing to these rationalizations inevitably cause us to spend more money than we really should, just to satisfy an artificial “need”.

Stop and Take a Good Look

Getting caught up in delusional “needs” is very easy to do. In order to break the cycle, we have to step back, take a look at what we have and realize it’s so much better than good enough. When our brains convince us, we need something outside of our price range, we tend to focus on that thing to the detriment of the similar item we already have.

If we aren’t careful, this desire can become an obsession, rendering us incapable of appreciating the things we already own. This can push us to a relentless pursuit of “new and better.” In a society like ours, it’s all too easy to convince ourselves we’re being deprived, when the fact of the matter is we’re light-years away from deprivation.

Breaking the Cycle

With all of that said though, how much fun would life be if we just fulfilled our needs and never indulged our wants?

Pretty dull—right?

Maybe, but we must also be careful to avoid overindulging.

This is one of the reasons most Americans are in debt. To break the cycle, stop living from paycheck to paycheck and get out of debt, taking note of these impulses is a good first step.

Meanwhile, if the situation has progressed past your ability to make ends meet, it might be useful to contract the services of a company like Freedom Debt Relief. Firms like this can help you reduce your debts to a more manageable level, so you can pay them off and get back on solid financial footing.

Keep in mind; nobody’s saying you shouldn’t have nice things. We’re put on this earth to thrive, not merely to survive. However, learning to distinguish your wants from your needs will make it easier to enjoy those wants when you get them. Otherwise, you’ll always be seeking the next new thing, when the reality is what you already have is good enough.