Money Tips

Four Simple Budgeting Tips You May Not Have Thought Of

hand putting money coins with filter effect retro vintage style

Debt can be daunting for anyone to manage. The truth is, with a little bit of effort, you can turn your financial situation around using these simple tips you may not have thought of before.


  1. Keep Your Goals in Mind — Write down your financial goals (or a picture of what you’re saving up for) on a small piece of paper and tape it to the back of your credit card. Every time you get ready to use that card you’ll be reminded of your goals before you pull the trigger — and maybe you’ll decide not to splurge quite so much.
  2. Cut Back 5% — In most cases, your car loan, mortgage and automobile insurance are fixed and cannot be reduced. However, there are plenty of “variable expenses” in your budget as well — movie tickets, dinners out, that new outfit you had to have. Reduce your variable expenses by a small amount of just 5%. If you normally spend $100 a month going to the movies, you would only need to cut that down to $95! The savings add up quickly if you do this across all your variable expenses. Once you get used to that level, try to cut out another 5%.
  3. Adjust Your Financial Outlook — Did you know that by putting as little as 50 cents a day away, you can save around $200 in 12 months? If each member of the family adds his or her extra change to the jar that amount can double — the larger your family is, the more money you can save! Begin by adding the coins from your pants or pocketbook to the jar at the end of every day. All that loose change adds up pretty quick, and it’s one budgeting tip that can easily fit into any financial planner.
  4. Make Biweekly Home Loan Payments — Getting set up on a biweekly mortgage payment program is a good way to be fiscally responsible. It pays off in savings and financial security by reducing the total amount of interest you pay on your loan and speeding up the time it takes to achieve debt freedom. Instead of paying your home mortgage once a month, you’ll pay half that amount every other week. By doing this one simple step, you make 13 payments each year instead of 12. The savings can really add up fast. For example: If you have a 30-year mortgage for $272,000 at 4.5%, making biweekly payments can save you more than $37,000 and pay off your house 53 months sooner. This strategy can even be applied to other kinds of debt, such as auto loans and credit cards, multiplying your savings and speeding up loan payoffs.


Get more information about biweekly payment programs and budgeting advice at Biweekly payment programs through AutoPayPlus can help you pay down debt quicker. Withdrawals from your account every other week fit conveniently with paychecks and your monthly budget, while an extra half-payment twice a year toward principal reduces interest over the life of the loan. Please visit to learn more.

Health Tips

Chiropractic Care Can Benefit More Than Your Spine

vitality chiroChiropractic care is provided to amend misalignments of the spine, or subluxations. These misalignments repeatedly ensue from emotional, physical, or chemical stressors that cause irritation and pressure on the nerves, affecting them to function at a level that’s les than ideal. Thus, the purpose of chiropractic care is to relieve the body of subluxation so that your body works the way it was made to.


Vitality Chiropractic values your health and wellness and wishes to assist you in the clash against back pain, neck pain, and much more. The first step of chiropractic care with Vitality is Relief Care. In Relief Care, people frequently have apparent pain or anxieties that should be acknowledged quickly. Visiting the practice two or three times every week might be essential to quench the pain and eliminate symptoms.


Nevertheless, in order to sincerely terminate the problem, the subsequent step needs to be taken and that is Corrective Care. Because Relief Care often times diminishes pain momentarily, Corrective Care is the next step to really restore, heal, and prevent symptoms from repeating.


Looking for corrective chiropractic care is the principal stage to rightly relieving your pain and even has more profits beyond that. Chiropractic care is often branded as little more than back and neck pain assistance, but the benefits run much deeper.


Chiropractic Works On More Than Your Spine


The chiropractors at Vitality have had considerable triumph when it comes to spinal and neck pain, however you may be facing more or less than that. You can get assistance with headaches, joint pain, Carpal Tunnel Syndrome, Arthritis, whiplash, vertigo, infertility and much more. Don’t give up on chiropractic services yet.


Your Body Will Function The Way It Should


Corrective care is the second step tactic to accomplishing and maintaining the best health. Corrective care evaluates patients for pathology, trauma, and most prominently function. The Central Nervous System (CNS) regulates each and every one of our cells, organs, and tissues and has to be operative 100% for best results; thus chiropractors will focus on spinal curves during corrective care. This is distinctive from relief care, as only particular vertebrae are focused on. Let your body function appropriately, not just receive short-term relief.


Don’t Rely on Medication


Chiropractic tactics are natural substitutes for medications or dangerous surgeries. Overall, these techniques provide a way for your body to heal without the hazardous side effects of some medications and surgeries. Accomplish fantastic health through corrective chiropractic care, naturally and safely.

Actually Make a Difference


Halting your sessions of chiropractic care at the first stage is similar to taking an aspirin, only giving you relief temporarily and later having to deal with the issue at a later time. Positively and radically change your health through corrective care.


You’ll be given an initial consultation and from there your chiropractor will discuss specific care techniques with you. If you are seeking real change in your pain levels and health, call Vitality Chiropractic in Sioux Falls at (605) 371-3533 and request corrective care. Or you can visit the website for other provided services.


Life Tips

Senior Non-Medical Homecare That Works For You

Griswold Home CareThe best place to be right now is in a rising community where people are comfortable and pleased to live, work, and have fun. With this in mind, Griswold Home Care aims to offer the finest non-medical homecare in the area so your loved ones may continue to experience the community they love.


Non-medical home care is a service you might consider if you, or someone you know of, require some help with day-to-day activities. There are diverse selections for senior care and you’ve probably already collected some research on the best options to fit your lifestyle, budget, and social needs. Once you do an analysis on these factors, if your objective is to stay at home, then Griswold Home Care can provide assistance by referring you to a caregiver that can help.


Keeping your loved ones closer to home and the community is not the only advantage of in-home care with Griswold.


Personalized Care


Providing the finest and most expert care conceivable for your loved one is the number one goal for Griswold-referred caregivers. No matter your needs, caregivers will be happy to offer quality personalized care with 100% of their attention given at all times; that isn’t possible with other forms of senior care.


Independence and Ease


Modifications are always difficult, but your loved ones will most likely find enlarged relief bending to a changing lifestyle from the security of their home. While caregivers assist with responsibilities like daily chores, meal preparation, or grocery shopping, your loved one will continue to live a self-assured and autonomous lifestyle free of uneasiness, all while experiencing the beautiful community.


Keep Up With the Family


You’ll be advised consistently on the status of your loved one and always stay in the loop with routine phone calls and visits without added charges. Never feel like you’re left in the dark, especially when it concerns the people you care about most.


Put Your Mind at Ease


Realistically speaking, with a hectic lifestyle you can’t always be there for your loved one. Although you might not be able to be present, somebody can be to help guarantee peace of mind. The best part is that Griswold’s strong screening process will guarantee that professional caregivers are not only the finest at what they do, but also the best fit for your household.


Griswold’s CareAssure Screening System is an elaborate process that necessitates an investigation of personal references, strengths, experience, criminal background, and identity. Furthermore Griswold’s CarePairing System is an assessment that will use your feedback to ultimately refer a highly professional caregiver which matches you’re your personalities, values, and overall preferences; all of this at no added charge.


If you’re looking for quality non-medical in-home care in your area, look no further. Griswold Home Care is committed to serving your loved ones and helps them live a liberated lifestyle within their home and community. Not only will they be able to stay involved in the blossoming city, but also live content and healthy.


For further information on how you or your loved one may receive superior non-medical home care, visit Griswold Home Care’s website or call the Home Care Hotline at (800) 474-7965.


Relationship Tips

Counseling for Couples Can Improve Your Relationship and Life

Orlando TherapyLately, has your relationship been stressed with unceasing conflict? Are you feeling defeated or repetitively upset? Are you getting ready to throw in the towel? Well don’t give up just yet, because couples counseling could be the key to all your difficulties.


Couples therapy exists to help you and your partner establish an emotional foundation with safe and open communication. With tactics that are realistic and fruitful, licensed therapists can help to repair and even improve your relationship. Counseling sessions can support you and your partner by having productive conversations that will put you on the path to accomplishment and happiness.


Couples counseling will help your relationship not only in the short term, but also in the long term by giving you the tools to communicate and connect. The benefits are never-ending, however here are a couple of the most successful outcomes that you could soon be enjoying:


Learn Responsible Reflection


Couples therapy helps each individual learn to relate problems of the past and present with responsible reflection. Is the blame almost always being placed upon you? Or do you think your partner is actually the one to blame? Well couples therapy will work with you to have honest reflection in order to pinpoint the source of the problem. Learning how you and your partner can make small communication alterations will ultimately give you a drastic transformation.


Raising a mirror to ourselves is not often simple and neither is ignoring our sense of pride. But in order to accomplish any progress, both parties have to be ready to compromise and probably alter their mindset or attitude.


Control and Express Emotion


Communicating your emotions during fiery conflicts can quickly yield an end result that is severely damaging for the future. Your counselor will help you and your partner to improve emotional communication that will move your relationship away from mayhem. Learning to express negative emotions in a calm and thoughtful manner will give you less headache and more loving success.


Have a Deeper Connection


Learning to communicate and reflect seems to be more than enough incentive for jumping into the deep end of couples counseling, but possibly a deeper connection with your partner is the most important factor for you. You’ll be able to learn new items about your partner that you may not otherwise have had the opening to notice. Deepening a connection with someone you love and want to keep in your life is the ideal outcome. After all of your counseling sessions, your relationship should walk out stronger and revived.


Couples therapy could truthfully be your saving grace. Proven strategies are used to strengthen your conversation and emotional connection. These are not just theoretical outcomes. You will be able to find an Orlando certified couples counselor that can save your relationship, shrink your stress, and give you the tools necessary for future romance. Don’t hesitate, check out and after your first session, you’ll come to really understand the validity of this process be on your way to a loving life.


Cleaning Tips

The Finest Marble Restoration Services in Los Angeles

When it comes to keeping your house looking the best it could possibly be, you just can’t ignore your marble. You might have a house that has a small marble countertop, or you may have an office space with marble floors, and marble countertops, and marble everything. No matter the quantity, there is definitely a science that goes into preserving your marble’s color, shine, and overall flawlessness.


We try our hardest to take delicate care of our marble products, but there is always a possibility of chipping, staining, and inevitable breakdown. When that happens, we most likely begin to deliberate and weigh our choices. On the one hand, you could just forgot about the marble and let it chip away, lose its color, and simply hope nobody looks close enough. Or you could hire a knowledgeable professional to really transform your marble with a guaranteed satisfactory result.


MARBLELIFE will deliver you that assurance as the number one stone care company in Los Angeles and the nation. If your marble requires only a small touch-up or a drastic alteration, MARBLELIFE’s team of craftsmen can get the job done with extreme professionalism and care.


Before you rush to the phone to call for your free appraisal, let’s take a look at the services you’ll want to ask for.


Marble Restoration


You’ll want to consider marble restoration, if your marble has lost it’s shine, color, or overall appeal. MARBLELIFE delivers amazing marble restoration services across the city of Los Angeles—marble floor polishing and restoring more marble than anyone other competitor in the business.


After you call a qualified professional to your house or business, they will first gauge the stone’s condition with extreme detail and then suggest the best restoration approach. With MARBLELIFE’s variety of safe cleaners and tools, your marble will be looking remarkable in no time. Give your marble its color, shine, and life back!


Marble Repair


Ok, that sounds pretty cool. But maybe your marble is just as shiny as ever and doesn’t require cleaning or restoration. The only thing bothering you is a chip in your marble tile. MARBLELIFE’s marble repair can help you with that!


Switching out your entire tile can be difficult and pricey. How many people have an additional tile just lying around? And even if you ordered the exact same tile from the same company, the coloring might still not be the same. MARBLELIFE’s professionals are qualified to fix your marble, install anything new, and finally polish it to match the rest of your marble. Much less of a hassle, and most likely cheaper! And the service isn’t just for tile; MARBLELIFE can take care of any of your marble repair needs.


With more than 50 locations to choose from, more than 100 qualified professionals, and centuries of combined experience, you are sure to be pleased with the status of your home or business after your marble is serviced by MARBLELIFE. Have your marble shine bright like the stars of Hollywood.


For the best marble restoration and marble repair company in Los Angeles call MARBLELIFE at (888) 218-4616.


Money Tips

Tactics for Faster Home Loan Payoff

You know the deal: The more rapidly you pay back debt, the less money you’re going to pay your creditors and the more you’ll end up keeping for yourself. If you’d like to pay your loans off more quickly, you’re going to require extra funds, and a few tips and tricks — but it can be done. Thankfully, we have some terrific budget hacks for faster loan repayment, which can get you the results you’re looking for.


Rebalance your balance sheet. There are two methods to get additional elbow room in your budget for an accelerated mortgage payoff: Lower expenses and generate extra money. You definitely want to do both.


On the expense side, bundle insurances and renegotiate. If you’ve been with your insurer for some time, simply call them and say you’re unhappy with your fees. You should let them know you’re shopping for different options to get a better price. You could be amazed at how many new “discounts” they’re suddenly able to offer.


Rethink your cable bill. Do you actually need all those top-tier channels? You can stream a lot of entertainment totally free or at affordable prices over the internet. Also, stop outsourcing household chores like cleaning and garden work. Nobody enjoys doing these things. But unless you’ve got a far more financially rewarding method to devote your non-work time to, it’s time to start washing and weeding.


Produce some extra revenue to increase your resources for debt reduction. Sell all the things you don’t need anymore. Get on Ebay and list that collection of beer steins from college. You’ll find dozens of other online selling providers and auction sites:,,, and of course, the initial online classified resource, Make a few bucks on the side. Everybody has some skill that someone else will pay for. Check out and to discover the simple skills lots of people are prepared to pay someone to do — like being an online personal assistant or holiday shopper — and put those extra dollars toward quicker loan repayment.


Get your whole household involved. Everyone’s wants and needs created the problem, and you’re going to be doing your family a favor by showing all of them how to take charge and defeat household debt. Hold a family meeting to brainstorm, and enlist everyone to cut back on expenses by staying aware of energy and water usage, pitching in to perform outsourced chores and even earning a little extra cash. As an incentive, set aside some of the extra revenue you save or make to pay for a special treat like a trip to the beach.


Use a biweekly mortgage repayment calculator. This can be your roadmap to quicker debt reduction. To reach a goal, you have to see where you’re going and precisely what you have to do in order to get there. Make use of a biweekly loan calculator [link] to find how much extra you have to apply to your debts monthly for an accelerated loan payoff. Biweekly mortgage payments can not only get you out of debt a lot quicker, but also save you money on interest over the life of the loan. Experiment with the calculator to check out how additional payments will allow you to attain your objective of faster loan payoff.


AutoPayPlus will let you pay down your mortgage faster. Withdrawals out of your account every other week fit conveniently with paychecks and your monthly budget, while an extra half-payment twice a year added toward principal reduces interest over the life of the mortgage. Take a look at this site to find out more about rapid loan repayment. Find out how much time and money you can save with AutoPayPlus’ Auto Loan Calculator!

Beauty Tips

Aging Skin and Retinol

hands-walking-stick-elderly-old-personAs you age your skin begins to lose some of its natural ability to grow new cells. This slowed cell turn-over can make your skin show fine lines, wrinkles and give your skin a duller look. There are quite a few anti-aging lotions that are formulated to help your skin regain its youthful appearance. One of the most researched and well-known anti-aging skin treatments is retinol.


Retinol is a derivate of vitamin A. It prevents dead skin cells from collecting in your pores and follicles, increases the speed of cell regrowth, and stimulates collagen ability to rebuild. This enhances your skin for a more youthful look. Side-effects of retinol tend to be minor and may involve sun-sensitivity, redness, dryness, irritation, skin peeling.


Collagen is a protein that is a main component in your skin. Anti-aging treatments with retinol encourage collagen to regrow, enhancing your skins look. Medical News Today describes it as: “Collagen is the most abundant protein in the human body and is the substance that holds the whole body together. It is found in the bones, muscles, skin and tendons, where it forms a scaffold to provide strength and structure.” The word collagen comes from the Greek word “Koll” meaning glue.


Skin care treatments containing Retinol have been widely researched. Retinol has had the most abundant amount of scientific research for any skin care treatment. Because of this, Retinol is considered to be one of the safest and most effective treatments for many skin care issues. Its anti-aging properties are one of its most sought after uses.


The original products containing retinol, called tretinoin, tended to be very irritating to the skin. Today’s retinol formulas are used as a safe and effective product for extended use, including on sensitive skin. Retinol is most often used to treat skin conditions such as fine lines, sun damage, wrinkles, dullness, uneven pigmentation, melisma, and roughness. Retinol can also be used as a practical treatment for acne.


Retinol products can be found as either a prescription or over-the-counter (OTC) product. OTC retinol treatments tend to be weaker than prescription forms. To make sure you are purchasing a high quality OTC retinol product look for vitamin A as one of the first five ingredients listed, and that the product is packaged in an air-tight, opaque bottle. Check the expiration date for product freshness. Prescription strength variets of Retinol can include Tretinoin -name brands Atralin, Retin-A, Retin-A Micro, and Renova; Tazarotene –name brand Tazorac; and Adapalene-name brand Differin.


Retinol treatments work well for both day and night use. With your nighttime application, apply with an anti-oxidant. In conjunction with your daytime product, apply with a sunscreen to improve your skins’ defenses against sun damage. The best quality retinol products can be purchased at most cosmetic and skin care specialists practices, including Orlando Skin Solutions, the highest quality in skin care service. Orlando Skin Solutions supports the use of Avene’s Retinol System for your anti-aging skin care treatments. This includes the Retrinal 0.1, Retrinal Eyes, and Retrinal HAF Firming Gel.



  1. Orlando Skin Solutions. “Anti-aging Skin Care: Why Do I Need Retinol?”

14 June 2016


  1. Medical News Today. “What is Collagen? What Does Collagen Do?”

14 June 2016


Ways to Condition Your Granite

pexels-photo-119931Granite is a naturally beautiful stone often made into countertops. The surface, with proper maintenance, can be made to be scratch, burn and stain resistant. Your finish can remain beautiful with quality cleaning products such as Marblelife Granite & Quartz Countertop Cleaner. You can purchase this product here: When properly cared for, your countertops shouldn’t need polishing and glossing.


Although generally not necessary, when polishing granite is desired it should only be done by trained professionals. Granite polishing is not like polishing your furniture. Hard abrasives and friction are used with varying coarseness and heat is used in varying degrees. A dull granite finish probably doesn’t need to be polished. A dull finish is generally caused by a residue. Certain products can leave this residue including, dish soaps, oils, and common cleaning products.


Granite’s surface is porous and has tiny pits and holes. Foods, oils, and bacteria can get easily stuck in these spots. When this happens the finish can look dull. It can also become rancid and omit an odor. Properly cleaning the surface, and conditioning if desired, can ensure this doesn’t happen. Using cleaning products made for granite surfaces such as Marblelife Granite and Quartz Countertop Cleaner will remove the dullness and any substances in the surface. A cleaning product not made for granite surfaces can not only leave a residue, it can actually damage the surface. Never use any of these products to clean your granite surfaces: dish soap, alcohol, vinegar, common cleaners, multi-purpose cleaners, and plain water. Always use a product made specifically for granite such as a Marblelife cleaning products. To clean the surface, spray with cleaner, wipe up and buff dry using a microfiber towel. Buffing removes any remaining residue. Your countertops should now look like new.


For stains a little extra cleaning is needed. Clean the area as usual, then re-spray the cleaner on the stain and let it soak for ten minutes. After ten minutes, take a tooth brush and scrub the stained area, buff dry with a microfiber towel. Another basic spray, wipe and dry will take-up anything left behind. Certain foods are more prone to stain your granite finish. Some of these are ketchup, mustard, red sports drinks, red wines, coffee, and barbecue sauces.


You can now apply a conditioner. Only apply a product specifically made for granite such as Marblelife Granite Countertop Gloss Conditioner. This product is a highly effective conditioner that is odor-free, and safe to use. The gloss conditioner is considered an appearance product. It will make the surface of your granite countertops look wetter and enhance the natural richness of the colors in it. Some granite won’t take conditioners. Often these products are too thick for the gloss conditioner to be able to work. The only way to know if a gloss conditioner will work on your granite is to try it. If you can see a noticeable difference then a gloss conditioner will work. Using the right cleaning products and gloss conditioners will help your granite countertops to maintain their original natural beauty and shine.


If you find the job is bigger than what you want to take on, it is best to contact a professional stone craftsmen that can clean and polish the granite for you. MARBLELIFE of Los Angeles can help you bring your granite back to life.

To locate a stone care professional, contact Marblelife Of Los Angeles at 888-218-4616 or visit for more information.


Things to Consider When Hiring a Commercial Cleaning Company

There are several things to consider when looking to hire a commercial cleaning company. The most important step is putting in the time to research a company. This will make finding the right commercial cleaning company easier for all your cleaning business needs. Hiring a commercial cleaning company has many benefits for a business. A clean, well maintained business environment can increase employee job performance and improve the overall business image.


References from other businesses that have already used the company’s cleaning services is a great source of information. Both good and bad opinions can help in making the decision about which commercial cleaning company is right for you. Other things to consider are the type of cleaning services you need for your business and the type of services a commercial cleaning company provides.


Commercial cleaning companies provide all types of different services, from general to specialty. If you already have an in-house cleaning staff for daily cleaning, you may need to consider specialty cleaning services that your staff doesn’t have the training or certifications for. Commercial cleaning companies provide their services generally on set schedules such as daily, weekly, bi-weekly, monthly or one-time. Deciding what level of cleaning services and schedule works best for you and what a commercial cleaning company has to offer will help determine which company is the best fit for your business.


It’s important for a business to have a plan in case of an emergency. When looking into a commercial cleaning company for every day cleaning, making sure the company also provides post emergency cleaning services. This is a good investment decision for your business. Emergency cleaning services may include clean-up after damage caused by flooding, fire, or smoke.


It’s important for a commercial cleaning company to have the proper training and certification for the services they provide. According to the International Janitorial Cleaning Services Association there are several common certifications for professional cleaners. These may include Blood Borne Pathogens Certification, Mold Inspection & Remediation Services, Green Cleaning Company Certification, and Chemical Hazards Certification. Some of the certifications are required to be approved by the Occupational Safety & Health Administration, better known as OSHA, a division of the U.S. Department of Labor. A commercial cleaning company that is fully trained and certified will often be the company that provides quality services.


Free estimates for potential customers is a good way to research different commercial cleaning companies before making an investment. Asking for free estimates for both regularly scheduled and one-time services can help with reducing the costs of hiring a commercial cleaning company.


There are a few key factors to consider before hiring a commercial cleaning company. Making sure the commercial cleaning company has the proper certifications and training for their employees is an important factor when choosing a commercial cleaning company. The types of services provided and the commercial cleaning company’s availability to provide the services to fit your business needs will help ensure that you find the right commercial cleaning company. One company has stood out throughout many years by always keeping up with their necessary certifications, continuously provides excellent quality, and employing knowledgable, helpful staff. Because of these qualities, N&A Commercial Cleaning & Janitorial Services Orlando is a trusted company in the central Florida area.


  1. International Janitorial Cleaning Services Association. “Certification Courses”

16 April 2016