Month: January 2016

Preparing to cover the cost of your big day

Weddings are usually joyous occasions, when two people come together to unite and celebrate their love. A lot of detail is involved in the preparation of the big day, even if you don’t plan on having a big wedding

None of us want anything to go wrong on the big day, and we do all that we can to make sure that things run smoothly. But what would happen if something did go wrong? What happens if the marquee that you’ve hired falls down, or the amount of alcohol that was drunk at the party, caused an accident via someone’s erratic behavior. I’m not trying to scare you, I just want you to understand that having insurance is probably a good idea.

The good news is that you can insure your wedding here, and get the peace of mind you need, to carry on with organizing the day. You can forget about what would happen if something goes wrong, you can simply concentrate on making sure that everyone knows what they need to be doing, and where they need to be doing it

The venue

Not a lot of people know that some venues ask you to make sure you have the right insurance, before you go ahead and use them on the big day. This is just to make sure that they and you are covered, should something happen. I’m not talking about something major and catastrophic happening, I’m even referring to the small things. What if a door window gets broken when a door is slammed to hard? Perhaps the best man who is dancing on a few chairs, accidentally breaks them? Someone will need to recover the cost. This means that it could potentially come out of your pocket if you’re the one who has hired and paid for the venue in question. You may not have to pay out a lot, but it would certainly be better for you if your insurance company paid the money out instead.

Insurance is a good idea

As you can see, getting wedding insurance is a good idea, and it doesn’t have to cost very much at all. What is important, is that you get insured for your big day, and any event associated with it. We happily insure our cars, vacations that we take and even our homes. Why not take insurance one step further, and insure your special day? Give yourself the peace of mind you need, to get on with the preparations, so that when the big day dawns, you can concentrate on getting married, and enjoying yourself.

Getting the help you need

I know from my own experience that asking for help is not that easy. I wanted to have the confidence to ask someone for help so I could get a hand quitting my addiction, but like I said, it was tough.

At the same time, I didn’t want to give up my habit, as I had become completely dependent on alcohol, and I relied on it to get me through the day. I’d seen a few advertisements regarding my local rehab center, which is Beachway Therapy Center, but as you can imagine, I was quite scared about going there.

Asking you to work hard

I knew that addiction treatment centers ask you to work hard to give up your addictions, and it was this that frightened me. What’s more is they also (As I was to discover later), is that they work with you on your feelings, the experiences that have troubled you, and how you feel about yourself today. I didn’t have a clue about the kind of work that addiction treatment centers did, but I’m pretty glad I found out.

Going into rehabilitation isn’t easy, it takes a lot of guts, but that’s only the first step. There is a lot of work to be done, but the good news is that you’re guided and helped along the way. We know as addicts that we have to want to change our behavior in order to get the help we need. We need to be able to ask for help in the first place, and admit that something’s wrong.

“I can quit any time I like”

I thought that I could quit any time, that I wasn’t an alcoholic, and I was in control of my drinking. Unfortunately, this wasn’t the case, and I found it really hard to cut down, let alone stop. When we alcoholics think about quitting drinking, it’s important that we do not stop right away, this is because it could potentially kill us. We need to cut down one bit at a time.

Some addiction treatment centers, in fact all of the ones I’ve researched ask that you start to cut down on the amount that you drink. You can start by cutting down on just one drink a day, or even by half a glass if that’s all you can do. If you can have a little bit less to drink one day, you are making good progress.

I did this, and even though it was tough, I did it. I started having one less drink a day. A week later I cut down by another drink. Sure, I fell off the wagon a few times, but I got back up, dusted myself off and carried on where I was.

Help, support, and guidance

With the help, support and guidance of an addiction treatment center, you can start to get in control of your addiction. This applies to alcohol and drug addiction too. It could take a while to get your head around the concept of a future without drugs or alcohol, but if you book yourself into a treatment center, it’s entirely possible.

Do supermarkets restrict our choices?

Each time we go into a supermarket, we are given a lot of choice. There are thousands on products up for sale, and we can pretty much buy them all. But do supermarkets restrict our choices, or do they offer us everything we need?

It depends on where you live

Supermarkets are very good at offering your local area what it thinks will sell. Let’s say that for example, your area has a lot of people from a specific ethnic group living in the area. The supermarket in question will then look to sell food and other items that they know people from the ethnic group like. But that’s not all supermarkets do, if you happen to live in a very wealthy area, they will also ensure that a lot of their highest quality and most expensive branded and independent branded products are for sale. This is because they know you have the money for them, which means you won’t find many, or any value products for sale.

The market leader has more shelf space

The market leader in canned tomatoes for example, will have more shelf space than other similar branded canned tomatoes. This is because the supermarket knows that you’re willing to pay more money for the market leader. This means the supermarket makes more money, even though it may appear that they’re being nice by offering a lot of the best canned tomatoes for sale.

They choose the prices

Someone in an office miles away will decide on the price of the products they sell. This potentially means that a product in a rich part of town is likely to cost more than it would in a poor part of town. Supermarkets know that they can get away with this, and they do. If you want to save money, you need to shop around. Buy groceries in a cheaper part of town, get your teeth done at invisalign Charlotte, and look for a doctor who won’t charge the earth each time you need them.

They close down local stores

When a big supermarket open in a town, it’s likely that some of the local stores will suffer. By ‘Local stores’ I mean those family-run businesses that have been around for years. There will no doubt be a few small chain stores around too, and these can also become vulnerable. Local stores tend to shut down because they simply cannot compete with the bigger supermarkets. These bigger stores can offer lower prices, a wider range, and promotional offers that small stores simply cannot.

This means that these local stores we all love, will suffer, and it’s likely that they will shut down. If by some reason, a local store is not shut down by the arrival of a large supermarket, then it could lose up to three quarters of its profits.

As you can see, supermarkets really do restrict our choices. I guess all is fair in love and business, but it still doesn’t seem right.

How to reach your target customers

If you plan to set up a business, you need to make sure you know who your target customers are. This needs to be a lot more specific than you think, as it’s hugely important.

Some business owners make the mistake of targeting everyone and hoping that their business will be successful that way. The problem with doing this is that it isn’t specific enough. You need to know exactly who you’re targeting, so you can create an ad campaign that specifically targets them.

Opening a wine bar?

Let’s say for example that you’re planning to open a wine bar. Who will your target customers be? Will they be anyone who wants a drink? Or would you prefer to target professionals who like a tipple after a hard day at the office? Deciding who you’re going to target will not only change your ad campaigns, but it will also change the layout and design of your wine bar.

How about a delicatessen?

Let’s imagine you’re planning to open a delicatessen, and you would like to attract the local Jewish community. You will need to make sure you get kosher certification from EarthKosher, so your products appeal to the local community, and anyone else who’s interested in Kosher foods.

Targeting specific markets can be hard, but you can reach that target audience if you now how to.

Provide a solution

One of the best ways for you to reach your target customers, is to provide them with a solution. This may mean that you will need to create a problem first, and then offer a solution to it. You may wonder why I would suggest such an absurd thing, but it’s something that happens all of the time.

The manufacturers of cleaning products will happily tell you that your home is full of germs. They will go on to say that bacteria and germs can harm your family and make it a relatively unsafe place to bring up young children. Then once they have finished telling you how unhygienic your home is and the problems it could cause, they will offer you a solution: Their product.

It doesn’t matter what it is you’re trying to sell, if you can provide a solution to a problem people didn’t know they had, you could be onto a winner.

So have another think about who your target customers are: What age are they? What kind of things do they like? What appeals to that age range? What similar successful products are already out there? Once you’ve been able to answer all of these questions, you’ll be much more inclined to reach your target customers and get the business you’re looking for.

How your home can help the environment

We are now more aware of the environmental impact that are homes have, than ever before. We have an idea as to what our carbon footprint is, and we have an idea as to where we can save energy.

So what can we do to make sure that our homes have less of an impact on the environment? Here’s a short guide for you, so you can get started:

Turn those lights off when you leave the room

Although energy saving lights won’t take up a lot of energy, it’s still important that you turn them off when you leave the room. This is because energy use as well as cost, mounts up. Do the environment, and yourself a favor and turn them off.

Wear another layer of clothing

When the weather starts to turn cold, we automatically put the heating on. The problem with doing this is that we really don’t need to put it on as often as we do. Wear another layer of clothing, and trap warm air close to your body, thereby warming yourself up. Of course, there will be times when you need to put the heating on (Such as when there are children and the elderly in your home, or if it’s really cold), but wearing another layer will help to reduce the need.

Get your home insulated

Air can and does escape from our homes through loft space, walls, and windows. Get your home insulated so that less air escapes, and less cold air comes in. You may even be able to get help with the costs of effectively insulating your home.

Shower for just 5 minutes each time

Each time we shower, we use up a lot of water, even though showering is thought to be less wasteful than taking a bath. If you shower for just 5 minutes a time, you will be reducing the amount of water you waste, by a significant amount.

Donate your unwanted items to charity

This is a great way for you to ensure that less goes to landfill. It also means that those unwanted items are used and loved by someone else instead. Donating your items not only means those clothes are given a new life, but a charity will benefit from your donation too.

Recycle as much as you can

Although a lot of us recycle quite a lot, we can all make improvements. Try to recycle every single thing that you would ordinarily throw away. Even if this means piling up plastic, cardboard and paper, before taking it to the recycling station. Doing this will help to ensure that we use less energy, and those products are turned into something useful.

Use the ‘Short wash’ cycle on your washing machine

Even though you may not fill your washing machine every time, you should still place it on the ‘Short wash’ cycle, or whatever the equivalent is. Every time I do laundry, I select this cycle, and thereby save 20 minutes worth of energy use.

As you can see, there are some pretty easy ways for you to save energy and thereby reduce your impact on the environment. Start today, and you’ll soon see your energy bills are lowered, and your carbon footprint is a lot less than it used to be.

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