Tuesday, June 24, 2014

Road Trip Ready – Being Prepared Before Going to a Car Show

If you happen to have a car you love and you want to take it on a road trip, it’s important to make sure your set of wheels are ready to hit the road. Think of what you need to do to get your car ready before heading off to a new destination. There are simple things you must do such as getting your oil changed and then there are fun things you can do too, like buying new car parts to add to your car, especially if you’re headed to a sports enthusiast show.

In fact, going to a car show might be the reason why you’re going on a road trip in the first place. So get your oil checked (unless you know how to do this on your own), pack the essentials for an unlikely flat tire, and plan ahead and purchase an outstanding driveshaft, axle shaft, or differential part if you’d like to spruce up your car before going to the car show. High quality parts added to a high quality car will add all the difference before going to your first car show. You’ll be glad you took the time to be road trip ready before hitting the road.

Food for the Road

Car enthusiasts may get so caught up in making their car shiny and looking just like new for the road show that they may forget to bring along water and snacks, especially if it’s going to be hot where the show is. Don’t forget to pack plenty of water and non perishable items to snack on, such as nuts, trail mix, granola bars, and other snacks that you enjoy. These food necessities will also come in handy when you’re chatting with people at the car show. If you don’t have time to run and get lunch you can grab the snacks out of your car.

Get the Basics Checked

It’s likely if you’re a car person that you already know how to check your oil, but it’s essential that your car is running well before you make a long drive. Check out everything and make sure it’s in working order. Even if you have confidence in your sparkling collector’s car it’s always a good idea to have a spare tire, gas, and whatever else you would need for an emergency car situation. Perhaps if your car is too old to drive a really long way it’s a better idea to come up with another solution such as towing it behind a newer car if you can afford to do so.

Clean and Wax Your Car

The last thing you need on a beautiful car is a bunch of bugs and other gross things to land and stick on your car body there while you’re driving. Before you drive the distance get your car cleaned really well and waxed, that way the bugs will hopefully come off more easily once you’ve reached your destitution. It’s inevitable that you’re going to get some bugs on your car, but by planning ahead and bringing the correct cleaning supplies with you; it should maintain its fantastic appearance.

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Sunday, June 22, 2014

Stay Finance Savvy -- Preventing Fraud Before it Takes Place

Unfortunately today fraud is becoming more and more prevalent, 
making it difficult to keep your identity and personal information confidential. Scams are becoming more common and it’s becoming increasingly more difficult to trust companies with your information. Recently many people were affected by Target’s breach of security, making people even more aware that fraud can take place out of no where. It’s not only a scary situation, but it makes you feel like you’re not in control of your accounts. You should never feel this way because preventing fraud is of the utmost importance.

That’s why it’s so important to find a bank that you trust. Obviously things happen that are out of people’s control, but there are still ways to protect your accounts. It’s important to do your baking with a company that you trust and whom you can call if you’re ever in doubt of any suspicion activity that is happening on your account. Through a bank online you can access your financial information any time; making it easier to catch fraud at the very minute it happens. 
Here are a few additional ways you can keep your financial information secure: 

Shred all Personal and Financial Information

Since most banks have your monthly statements archived on the web with easy online access, there is no need to have paper statements sent to you each month. However, if you do choose to have a monthly statement sent to you each month for your records; later shred any personal information to prevent it from getting into the wrong hands. If you don’t have a shredder you can tear it up, but just make sure you’re tearing up the numbers of your account and your name and address, which is what scammers use to steal your identity.

Review Your Account Regularly

Most people do their banking online or on their smart phones, making it easy to check their account activity regularly. Access your financial information anytime and question when suspicion names come up on your account. Occasionally a gas station may put a small or large hold on your account and then drop it once the actual amount goes through, which can be confusing. When in doubt call your financial institution. It’s better to be safe than sorry.

Never Leave a Receipt

Are you one of those people who leave your receipt at a gas station or ATM? If you do, don’t do this any longer! You’d be surprised what a scammer can use to access your account. Pick up your receipt after you go out to eat, get cash from an ATM, or anywhere else you may forget to pick up your receipt. Keep your information private and there will be a less likely reason for anything to happen.

Only Give Personal Information to Initiated Calls

Did you receive a call from a bank or another site that claims they are your financial institution and they need to confirm your identity by you telling them your account number? Ask them what their phone number is and confirm it online on their official website and then call them back. You must always initiate a call before giving over any personal or financial information. Account numbers and credit card numbers should be treated the same way. Call the site back before volunteering any personal information and this will keep your banking information safe. Don’t allow fraud to take place by using precautionary methods.

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Friday, June 20, 2014


  David Gray has announced the upcoming release of a new album, MutineersThe record is Gray’s tenth studio album and his first in four years. To mark the news, Gray has unveiled the video for ‘Gulls’, the first track from Mutineers to be streamed ahead of release.

To coincide with Mutineers, Gray will tour the UK for the first time in three years. The headline tour, commencing at Birmingham’s Symphony Hall on June 23 will include a show at London’s Royal Albert Hall on June 24. The dates follow a run of sold-out US shows across April and May and three sold-out intimate shows earlier this year at Westminster’s Emmanuel Centre. Additional US tour dates will be announced in May.

Recorded in Church Studios, London and produced by Andy Barlow (Lamb), whose brief was to not let Gray “make the same record I’ve made before.” The result is an album that seems to fizz with the joy of its own assembly and finds Gray steering into unfamiliar territory while cultivating a pugnacious but respectful relationship with his own history. “I know I’ve done something here that has an authority that is inspiring me and I don’t have to worry about my past or any of that. The lovely thing about this is we’ve had the time to experiment, and it’s been wonderful,” says Gray.

David Gray captured the world’s attention with his breakout multi-platinum hit White Ladder, the first of three No.1 UK albums, earning him both Brit and Grammy nominations. He has continued to build on this success, with recent albums Draw The Line (2009) and Foundling (2010), both reaching the Billboard Top 10 in the US.

Mutineers Track Listing:
Back in the World
As the Crow Flies
Beautiful Agony
Last Summer
Snow in Vegas
Cake and Eat It
Birds of the High Arctic
The Incredible
Girl Like You
Nearly Midnight (bonus track)

North America Tour Dates & Cities:
See all dates and ticket info here: https://tickets.davidgray.com/
Aug 01 - Boston
Aug 04 - NYC
Aug 05 - Philadelphia
Aug 07 - Columbia, MD
Aug 08 - Charlotte, NC
Aug 09 - Nashville
Aug 11 - Raleigh, NC
Aug 12 - Atlanta
Aug 13 - Indianapolis
Aug 15 - Cleveland
Aug 16 - Cincinnati
Aug 17 - Detroit
Aug 18 - Chicago
Aug 20 - Denver
Aug 21 - Salt Lake City
Aug 22 - Boise
Aug 23 - Troutdale (Portland), OR
Aug 25 - Redmond, WA
Aug 26 - Vancouver, BC
Aug 28 - Oakland, CA
Aug 29 - Reno, NV
Aug 30 - Las Vegas
Aug 31 - San Diego
Sep 03 - Los Angeles

Official Website - http://www.davidgray.com/
Twitter - https://twitter.com/DavidGray
YouTube - https://www.youtube.com/user/TheRealDavidGray
Instagram - http://instagram.com/davidgray
Instagram Contest - http://www.davidgray.com/instagram
Facebook - https://www.facebook.com/davidgray

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Thursday, June 19, 2014

5 Ways a Healthy Body Leads to a Healthy Mind

Working to improve your physical appearance is a noble goal, but a strong body

isn't much use without a healthy mind. 

Fortunately, the two go hand in hand, and strengthening physical health can often 

lead to a strengthened mental state as well. Exercise is often suggested as part of a 

treatment plan for various types of mental illnesses, including common ones like 


Even those who feel their minds are healthy already can reap the benefits of 

improving their overall health. Here are five ways a healthy body leads to a healthy 


1. Reducing Stress
For those in high-pressure jobs or stressful circumstances, it can be difficult to

figure out how to best cope with the stress. One of the most common solutions

is engaging in exercise. During exercise, the brain releases a chemical called

norepinephrine that helps moderate stress response. Lower stress levels can help

improve concentration, mood and more.

2. Improving Mood
This is one of the most commonly cited reasons to exercise, and it's absolutely true.

The "exercise high" many people reference comes from a release of endorphins,

creating happy feelings. These endorphins are so powerful that they can, in some

cases, be even more effective than medication at treating depression.

3. Preventing Mental Decline
After a certain age, many people start worrying about cognitive decline. While

keeping in good physical health won't cure or treat degenerative diseases like

Alzheimer's, it absolutely helps prevent the typical cognitive decline that happens

as a natural result of aging. Physical activity can help preserve the hippocampus,

the part of the brain that focuses on memory and learning. Staying healthy now can

keep the brain mentally sharp later.

4. Improving Problem Solving
If a creative solution to a problem in life is needed, exercising while working

through the issue can help. There have been studies indicating that cardiovascular

activity not only improves brain performance overall but can actually create new

brain cells and increase body proteins that help with learning, problem solving and

decision making.

5. Increasing Memory
The hippocampus was mentioned earlier, but this part of the brain does more than

just prevent cognitive decline in old age. It also improves memory ability now, and

it produces more cells when the body is physically active. Studies show that adults

are able to retain more new information when participating in physical activity like

running sprints.

Anyone looking to live a healthier lifestyle should be thinking about their mental

health as well. Lululemon founder and avid fitness buff Chip Wilson is quick to

point out that overall wellbeing comes from both the mind and body being in tip

top shape. Learning more about how the body and mind impact each other can be

motivation to turn that knowledge into positive action!

This is a guest post by Kate Hazel. Kate is a yoga and fitness enthusiast.

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Sunday, June 15, 2014

Take Time to Heal: How Addictions Affect Loved Ones

If you’re the one in your family who is suffering from an addiction of course it’s

important to take care of yourself, but it’s also just as important to be concerned

for those who are affected by your condition. Many times addicts who have gone

through heroin rehab or alcohol rehab have no idea how much their actions

affect others. Family members can develop depression, social anxiety, or have

the same addiction later in life. An addict not only needs to ensure that they get

the proper care so that they are healed, but make sure the family members that

are affected get the proper care that they need as well. This may not be your

responsibility if you are still struggling as an addict, but at least you can look for

the signs so that professionals help can be sought after if necessary.

Signs to Look for in Family Members

There are so many signs to look for in family members who may suffer from a

similar addiction, including a child who is struggling at school, a teenager who is

not attending from family functions most of the time, and other family members

having moments of lashing out with intense anger. These issues in both children

and adults can escalate, so it’s important to get them treatment that’s necessary.

Advanced Health and Education in New Jersey can help not only an addict but a

family member cope before it turns into an addiction that’s even harder to shake.

When to Get Help

If you feel a child is having a hard time dealing with the stress of a parent who

is healing from a past heroin addiction for example, have them speak to a

counselor. They may be able to use talk therapy to deal with their feelings of

pain and frustration at their parent for being absent in their life while they went

to rehab. If you find that counseling isn’t working and the child is still lashing and

becoming depressed, consult with their doctor and other professionals. Don’t

allow things to escalate; instead of ignoring the signs help the child find their path

to recovery with the help of people who love them.

Why the Addict Shouldn’t Feel Guilty

If you’re an addict you can’t feel guilty for how your family members respond to

your addiction and illness. It’s true that your condition will no doubt affect a loved

one, but instead of putting that on your shoulders it’s vital that you take care of

yourself both physically and mentally so that you don’t have a relapse. If your

family members ask you to help them with depression or another illness due to

your past choices in life refer them to a professional and tell them you’ll be there

for them within reason. You only have so much to give and part of the healing

process is taking care of yourself so that you can fully overcome your addiction.

Family members will get through this by knowing you’re on the same path as

they are -- a path of healing.

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Wednesday, June 11, 2014

Three Things You Need to Know to Get a New Home

Buying a house can be a confusing process, but like most life-changing

endeavors, it's much easier to understand if you break it down into smaller steps.

First, figure out what kind of mortgage you want. Second, know how much you

can afford and anticipate what other expenses are involved. Third, determine

what you need to finalize a deal. Purchasing a house is likely the biggest

purchase you will make in your life. Most likely you will have to borrow the money

from a bank or other financial institution by getting a mortgage -- a long-term loan

secured by the property you purchase. Shopping for a house is taking the first

step toward fulfilling the dream of owning your own home. You can even deduct

the mortgage interest on your federal income tax. Remember that securing a

mortgage is serious business. The bank owns the house until you pay off the

loan, so look before you leap into that dream home.

Determine Your Mortgage

Most banks offer several types of mortgages, and it’s up to you and your

advisors to determine which type of mortgage will work best for you. If you

are planning on doing some reconstruction on your new home, you could also

look into construction loans. With a fixed-rate home loan your interest rate

will be the same for the life of the loan, and the payment is divided into equal

monthly payments until the loan is paid off.  The interest payments are front-
loaded, which means that during the first few years of the loan term, only a small

portion of the payment pays off the principal – most of it will go toward interest.

Adjustable-rate mortgages are a bit different. Unlike a fixed-rate home loan, the

interest rate on an adjustable-rate mortgage, or ARM, changes each year. After

the fixed-rate period, the loan is amortized over the balance of the term with a

rate that changes yearly.

Know What You Can Afford

Do a bit of research to find out about how much money you should and can

borrow, based on your income, credit, and debt. Also take a look at the housing

costs in your preferred areas to figure out if you can actually afford the home you

wish for. If not, it may not be the time to buy. Remember, real estate is a great

investment, but only if you have enough capital to have some of it tied up in a

property for many years. Realistic expectations are key when looking for a new


Finalize the Deal

Once you have found the home you want, it’s time to close the deal. Do some

research on reasonable negotiations for the area in which you’re shopping and

the size of the home. Before you make an offer, be sure your bank will grant you

a loan in that amount. Consider closing costs, renovations, and inspections in

your offer. Hopefully you’ll be in your new home soon.

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Monday, June 09, 2014

Join Zoombucks and earn REWARDS!

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You can earn ZoomBucks by entering Promo codes that are released often on Facebook, searching, watching videos, playing games, listening to the radio, or completing tasks!

Zoombucks is easy and friendly and they pay FAST!!

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Three Causes of Hearing Loss and How to Treat Them

There are many basic things our bodies do that we take for granted. Most of

these functions are foundational to everyday life, yet we rarely think about them.

We just go on using our five senses without really stopping to think about how to

protect these senses to ensure they will be around for the duration of most of our

lives. Among these senses is the ability to hear, which we use daily to converse

with loved ones, stay safe in traffic, interact with professional colleagues, and

enjoy the pleasures of life, such as music. It’s never too early to begin protecting

your hearing in hopes that it will stay strong and with you throughout your entire

life. Here are a few main causes of hearing loss and how to treat them.

Exposure to Loud Music

While portable music devices have been around for a long time, there’s been a

significant shift in hearing loss in young people, because iPods and MP3 players

contain much more music than portable devices have in the past. Individuals

tend to listen to music much longer than they used to. Also, the newer design of

headphones, which go inside the ear, have the potential to make the music even

louder and directed at the ear canal. Loss of hearing happens gradually, so even

if a person doesn’t become deaf from listening to loud music, it’s probably only a

matter of time if turning up the volume is a habit.  Ask yourself if you’re hearing

people’s voices less clearly, or if you’re asking them to repeat themselves. If you

are, it may be time to get your ears checked and make some changes to stop

the effects of loud music. Turn down the music, take breaks, and consider other

types of headphones.


Our cells change as we grow older, and sometimes hearing loss is inevitable

as our bodies begin to wear out. Most commonly, the changes age brings are

related to changes that occur in the inner ear. Loud noises and genes also play

a role. If you have problems hearing in noisy areas or have to ask people to

repeat themselves, it may be time to look into some options to help you live

an active and normal life despite hearing loss. There are many hearing center locations

where the experts can help you diagnose and treat hearing loss.

Earwax Buildup

As silly as it sounds, earwax buildup is a common and significant ailment that

prevents clear hearing. Even if you clean out your ears daily or weekly, some

people just have wax buildup that is unreachable with common instruments.

Any general practitioner will have the necessary tools to extract excess earwax.

Before seeking significant treatment, determine whether or not your hearing

trouble is caused by a simple thing such as earwax. Schedule consistent

appointments to go in and get your earwax taken care of, so you can hear clearly

and enjoy life.

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11 ways to Pay For Home Health care

11 Ways to Pay for Home Healthcare
from: aag.com

I think Health care is very expensive now days. It is something we need to think about before we need it. I had to have emergency surgery recently and my insurance didn't cover all of the expenses. I have had to set up a payment plan to pay what the health care insurance didn't cover.

The tips above are great for thinking about ways to stay healthy and covered!

If I needed extra income to pay for home health care for a loved one I would have to mortgage my home or get an extra job. I would do what ever was needed to get the care that my loved ones need.

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