Category: Business Products & Services

Many people are inclined to stay inside when temperatures drop, and to be fair, there’s no shortage of entertaining indoor winter activities. But if you’re wondering what to do on a snow day, the great outdoors has plenty to offer. In fact, there are several mental and physical benefits to spending time outside during the colder months. Exposure to the sun can improve your mood and the Vitamin D your body absorbs helps fight off diseases.[1] So bundle up and safely enjoy the cold with one of these outdoor activities.

1. Visit a hot spring

The water of a hot spring is substantially higher than the air temperature of the surrounding region,[2] and perfect to thaw your cold body over the winter. Soaking in a hot spring is a warm and relaxing experience, but this getaway may require some advance planning. Most hot springs are out West … Read more

No one could ever love your children quite like you do. But in the unlikely event that both you and your partner pass away, it’s important to have a guardian named in your will (the only place where this directive can be given) who can care for your children in your absence.

Deciding who this special person should be may feel overwhelming, but it’ll save your children, legal dependents and other loved ones a lot of stress and additional grief later on. That’s why we’ve created a list of important things to consider as you make this decision.

As you think through who you’d like to care for your children in your absence, keep the following factors in mind when choosing a guardian:

1. Values and religious preference

If you have strong feelings about things such as religion, philanthropy or even politics that you want your children to be exposed … Read more

Any sudden, unplanned decision to purchase a product or service is considered to be impulse buying. These spur-of-the-moment purchases can be big or small, but they are never planned. If you’re standing in line at the supermarket checkout and suddenly decide to purchase a candy bar, that’s an impulse purchase. But the same can be true of a new sweater, a pair of shoes or even a new car – if it wasn’t something you needed and you didn’t intend to make the purchase.

If you want to stop impulse buying once and for all, these tips are designed to curb your impulsive spending tendencies:

1. Plan your purchases

Headed to the supermarket? Don’t leave home without a list. Then make it a habit to stick to the list. A list helps ensure that your purchases are more deliberate and not impulsive, making it easier to scurry on past those … Read more

There are seemingly endless ways to arrange your apartment, but having an arsenal of good ideas can cut through the clutter. Did you just move out of an apartment? Ready to start with a fresh design for your new one? From figuring out the best way to decorate your kitchen to knowing what plants can survive in a tiny apartment, we have the apartment furniture and decorating ideas for you.

1. Themed lighting fixtures

Lighting is important in creating your space. For the maximum effect, your lighting should be similar in style and theme to create a sense of flow and cohesion in your space. Here are some considerations to light up your apartment:

• A bold ceiling fixture is eye-catching and directs attention upward. 
• Torchiere floor lamps are ideal for apartments lacking in area because they provide plenty of light without taking up much needed floor or tabletop

We know that creating a will can be confusing and maybe even a little overwhelming. But having one in place is the only way to ensure that your wishes will be carried out after you’re gone, including who will care for your children, pets and dependents.

To help simplify this topic, we’ve created a list of the key roles you should consider before creating your will. Having them selected upfront will make completing your will a lot easier later.

Who should be a beneficiary of a will?

A beneficiary (or heir) is any person who receives something from your will. You can list a class of beneficiaries (e.g., your assets should be divided equally among your three children).

But if you know you want your daughter to have your Aunt Sally’s ring and your son to have your grandfather’s pocket watch, you have to clearly spell that out in your … Read more