Category Archives: For Your Information

Need A New Year’s Resolution For 2019? Try Always Being Prepared

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Need A New Year’s Resolution For 2019? Try Always Being Prepared

The new year is here. So, if you’ve been struggling to think of a New Year’s resolution, it’s imperative that you think of one ASAP. Our suggestion: make sure that you’re prepared for everything life can throw towards your direction. Life has a tendency to throw curve balls your way just when you least expect them. A little planning and preparation will make those unforeseen situations feel far less daunting. And, it can allow you to deal with the fallout in a more effective manner. Here are three key points of focus that crave your attention right away:

Be Prepared For Financial Headaches:

Nothing makes us feel quite as stressed as facing financial worries. Sadly, studies show that most families couldn’t even handle an unexpected $500 bill. Given that your finances could take a hit at any stage, it’s important that you take control of the situation.

Starting a savings fund for a rainy day is certainly a good idea. However, you should take things one step further. You can do this by protecting yourself through suitable insurance coverage from the most reputable firms. This can protect your assets, earnings, and financial health in one fell swoop. Take control of this aspect, and 2019 will be far happier. This platform can be used for many years to come. too.

Be Prepared For Health Issues:

Nothing in this life is more important than your health. First and foremost, you should try to adopt a healthier lifestyle that includes healthier eating and regular exercise. While you certainly don’t need to live a perfect life, this winning platform is essential.

Your health is a fragile thing and could take a downturn at any stage. Even if it’s only a short-term problem, you must get treated in the right way. Searching for an urgent care clinic near me will put you in a stronger position. Spending an hour looking for healthcare services following an accident is the last thing you need. In truth, it could be a matter of life and death.

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Find the right doctor for you!

Be Prepared For New Additions:

If your family is going to get bigger in 2019, you need to take greater responsibility. Otherwise, the change could change everything. Okay, so you’ll have nine months to prepare for a child. However, you may want to consider the potential addition of a pet, too.

In this case, preparing the home is crucial. Failure to do this could bring some very negative reactions. Every member of the household needs to be ready for the change, or else the addition could be unfair. Whether it’s a pet or a person, you need to take careful consideration before bringing someone new into the family home. If nothing else, it should encourage a smoother transition.

The Final Word:

The sense of control gained through being prepared for anything life can throw at you will change everything for the better. If you want 2019 to be the best year ever, the trio of features above cannot be ignored. Happy New Year!

Featured Image By: Pixabay

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How To Get Your Foot On The Housing Ladder

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How To Get Your Foot On The Housing Ladder

Getting your foot on the housing ladder can be a difficult (and daunting) thing. What does all of this financial jargon mean, and will we ever understand all of the mortgage-related words that are floating around? And, on top of this, will we be in the endless cycle of renting forever? However, getting your foot on the ladder is a great way to stop wasting money on renting, and it feels really good to be on the road to owning your own home. Read on if you want to know how to do it, and say goodbye to your rented property:

Get a loan:

Ah, the dreaded word. Getting a loan may not be as bad as you actually think, though, and it can help you to cover unexpected moving costs, as well as your deposit and other expenses that you’ll have to pay out. Check the rates before you dive head first into the world of borrowing money, and make sure that there are no hidden terms and conditions that might compromise you in ways that you didn’t expect. Whilst getting the home of your dreams is important to you, it isn’t worth risking too much and acting haphazardly, and loan companies don’t always advertise the downsides.

Speak to a mortgage broker:

The most popular way to get your foot on the housing ladder is getting a mortgage, so speak to a mortgage broker if you’re thinking about choosing this method. The same thing applies here when it comes to getting a good rate with no hidden costs, but speaking to a professional will help you to establish what you really have to pay out, and how many years your mortgage will cover. It may not be as daunting as you really think, and you won’t be paying it off for the next fifty years, especially if you work out a good repayment scheme with your broker. Get in touch with someone like https://altrua.ca/ if you’re looking for a mortgage broker.

Help to buy schemes:

If you’re struggling to get into the housing market, then the government could help you with a Help to Buy scheme. For every £200 you save towards your own home, the government will give you £50. This goes up to £3,000 in total that you could get from them, so it is worthwhile if you’re serious about buying your first home. This can help you to secure enough for a deposit and, this isn’t a loan, so you won’t have to pay it back. No matter what country you’re living in, there could be help from the government with buying your own home, so have a look into the options that are out there if you’re looking for a hand with funding from the government.

There are many ways to get your foot on the housing ladder, and getting a loan is one of them, although you should be careful about what you’re actually signing up for. Most people will have to get a mortgage, so speaking to a mortgage broker (a good one) will help you to get the ball rolling. However, before you visit any mortgage broker, make sure that you have a good basis for a deposit, and the government can usually help you with this. Look into your options, and get yourself on the housing ladder!

Featured Image By: Pexels

Is Your Home Ready For Winter?

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Is Your Home Ready For Winter?

The days are getting shorter, the nights longer, and winter is officially among us. The temperatures are dropping and you don’t have to be an expert to know that you have to get yourself ready for the cold. As a person, you bring out the winter coats and sweaters, swapping sandals for boots and wrapping up in scarves and fluffy hats. Preparing yourself for the cold is easy, but you need to think about how you’re preparing your house for the battering of the wind and rain that’s bound to happen. There are a lot of things that you could be doing to make sure that your home is as ready as possible for the season.

Getting your house ready is not just about keeping the cold out of the house. It’s about making sure that you’re not paying out damages because your house hasn’t managed to stand up under the freezing conditions. So, with all of that in mind, you need to consider what you should be doing to get your house ready for the cold months and how to ensure that it doesn’t become damaged in the process:

Clear Your Gutters:

Rain and wind whip up leaves and debris, blocking the gutters and causing a sloppy mess to clog the drains. With the freezing temperatures, you end up with frozen water behind the gunk in the gutters. This causes a blockage, the gutter to crack, and an overflow issue that could turn into icicles over the side of the house. The problem with this, is that if they break up and fall, it could cause a lot of damage for cars – and people. Clearing the gutters should be a job that you hire out for someone else to do, but it’s one of the most essential tasks on your to-do list if you don’t want leaks in the roof and the walls of the home.

Check Your Boiler:

One of the worst things that could happen to your house during the winter is the loss of heating. Over the winter, the last thing that you need is to have freezing cold kids and be able to see your breath in the house. The one thing that you need to do is get your boiler serviced before the cold really does set in. making sure that your engineer is able to check over your boiler is important, and they will be able to catch any issues before your boiler breaks down and you lose your heating or hot water in a sudden breakdown.

Watch The Foundation:

Did you know that the cold has a huge effect on the foundation of your house? Fixing a foundation crack is only easy if you can find the crack and know what caused it in the first place. Soil heaves and contracts when the ground freezes and melts, and this is called a frost heave cycle. It’s also the cycle that has a negative impact on your home’s foundation. They are dangerous and can be incredibly expensive to repair. The damage can and does occur before freezing point, too, and if you don’t take care of the foundation, you risk huge damage to the rest of the house.

Sweep The Chimney:

Not everyone has one, but if you have a chimney that you need to maintain, it’s time to call in the professionals. Chimney fires are caused by unclean chimneys that haven’t been looked after. You could severely underestimate the severity of a chimney fire, forgetting to clear out the chimney altogether. They do occur frequently, though, so think about bringing in the professionals now and get it cleared so that you don’t end up with a house fire to end all house fires.

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Sweep that chimney!

Insulate Your House:

You invested in a proper winter coat, with scarf, gloves, and a hat for yourself. The thing that you have to do next is ensure that you’ve insulated your house well. Most of the heat in the home is lost through the roof and this means that insulating the loft is the best thing that you could do for your home. Cavity wall insulation is the next thing that you can invest in, and if you are really wanting to invest in some insulation, think about providing your house with extra carpet offcuts, rugs, and curtains! Any way that you can insulate the house should be done, and you should do it early so that you don’t end up with a house that is losing energy.

Hug Your Pipes:

Speaking of insulation, have you invested in pipe insulation yet? These look like pool noodles covered in electrical tape and they are the best thing that you can put around your pipes to make sure that there isn’t any freezing water in the pipes that could cause them to burst. It’s not just a way that you could flood your home, it’s also a way to have a very expensive repair bill when you have to replace your entire plumbing system. Go around your pipes and insulate them well, removing any vegetation as this can also cause damage to the pipe systems.

Being ready for winter with cute boots and a new thick coat is one thing, but you have a house to prepare, too. Get warm, get the right people, and make your house the coziest ever this winter.

Featured Image By: Pexels

Winter Guest Bloggers?!

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Winter Guest Bloggers?!

Howdy! For some of us, winter weather is already in full swing and, for others, it will be arriving soon enough. Some of the lucky ones, though, don’t experience the cold at all! No matter what the situation is in your neck of the woods, Lil Red wants to feature your winter themed posts on the ol’ blog. From favorite recipes and frosty makeup looks to bundled up OOTDs and holiday shopping tips, I want it all! If you are interested in guest blogging on my page for some winter fun, please shoot me an email at: sarah.mush6794@gmail.com ! Much love. -Sarah

Making A little Extra: Give Your Bank Balance A Boost For Christmas

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Making A little Extra: Give Your Bank Balance A Boost For Christmas

It’s the festive season, and there seems to be a lot of extra things to spend your cash on. With so much distrust and uncertainty surrounding the banks in America, many people are looking elsewhere to invest their hard-earned cash. Making wise money decisions can be challenging. However, putting some aside will allow many to invest their income in places other than their bank account. There are also an array of ways, other than investment, to earn a little extra right now and for the foreseeable future. Easing the cost of Christmas will feel great in the new year, so it’s worth looking into. The following are some ideas, inspiration, and advice for those seeking new ways to top-up their bank balance:

Have You Thought About The Market?

It can take people some time to get their head around investing in stocks and shares, and it might not have been something you’ve considered regarding your cash. However, once people get the hang of it; it can be a fun and lucrative decision. It’s an option that can suit many budgets; it’s worth putting a little cash into something first so that you can get to grips with the process, and what’s likely to happen.

Reading and researching everything from what a fast stochastic is to why options trading might be perfect for you is a must. This will help to break down stocks and their ratings for you to better understand what certain companies and corporations are doing, and how, when, and why you might want to get involved. There is no guarantee that you’ll make a great deal in shares, but those who make wise decisions in the market can grow their cash steadily and sell at the best time to release a lump sum to be used for whatever they wish.

Do You have An Opinion To Give?

If you’re able to take some time during the day to answer questions and provide your opinion on things, then paid surveys could be the option for you. Set yourself up with a dedicated email that you can use to sign up to the array of websites that are out there. Depending on how many you sign up for; there is an unlimited amount of surveys and questionnaires out there, ready for you to fill in.

The role will be flexible, as there’ll always be options in your inbox; so when you’re at home with a festive latte, you can take an hour or so and fill in as many online surveys as you can manage. Each questionnaire will pay a set amount, and, if you stick with a particular website; they usually add up what you’ve completed to a certain amount before you can withdraw any cash into your account, or redeem “points” towards shopping vouchers. You can sit and earn a little extra while you wait for the kids to change after football practice, and there’s no deadlines or pressure to complete things if you don’t have the time. It could be a great extra income for you, especially if you’re not quite ready for stocks and shares.

Making a little extra coin during the holidays is always a good thing to look into – those presents don’t pay themselves!

Featured Image By: Kaboom Pics

October Guest Bloggers Reminder

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October Guest Bloggers Reminder

Hi everyone and happy weekend! I am just sending out a friendly reminder that I would still love to have anyone and everyone on my blog coming up next month while I’ll be out of office. If you are interested in being featured on lifewithlilred for the day, then please email me at: sarah.mush6794@gmail.com with your ideas for a fall or Halloween themed post! Thank you! ❤

Fall Words – Høst Ord

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Fall Words – Høst Ord

Hello everyone! Today, my friend Christina of Stiina Marie is back to teach us some fall words and phrases used in Norway. If you recall, Christina guest blogged on lifewithlilred a few weeks ago and has been kind enough to return to teach us some more of a new language. As you all know, I personally love to learn different languages, so this post is right up my alley! Thank you so much, Christina! xx

Fall Words – Høst Ord

Today, I am going to teach you various words pertaining to fall that are in Bokmål – the main language of Norway. Read the pronunciation in italics as it would be in English.

There is a slight “R” roll in Bokmål. This is similar to Spanish. To properly learn Norwegian, this exercise is a great start! Try listening to Norwegian movies and music that are already familiar to you. Disney movies are almost always a hit!

Words to Practice:

Rain = REGN reh-gin

Storm = STORM  storm

Cloudy = OVERSKYET ohver-sheeyet

Cold = KJØLIG cher-leeg

Sweater = GENSER gehn-ser

Hoodie = HETTEGENSER heht-teh-gehn-ser

Scarf = SKJERF sh-ehr-ff

Coffee = KAFFE kafffeh

Soup = SUPPE sue-pppeh

Squirrel = EKORN eh-korn

Black cat = SORT KATT sort kahtttt

Owl = UGLE oooog-leh

Acorns = EIKENØTTER eye-ken-nohttter

Tree = TRE treeh

Spooky = SKUMMELT skoooommmelt

Dark (color) = MØRK murrrrk

Sentences and Phrases:

I love fall. = JEG ELSKER HØST. Yuh-eye el-skerr huhst.

I want a cup of coffee/tea. = JEG VIL HA EN KOPP KAFFE/TE. Yuh-eye vil ha ehn kohppp kahffeh/teh.

Pile of leaves = LØVHAUG luhv-haowg

I love to eat! = JEG ELSKER Å SPISE. Yuh-eye el-skerr a speeeseeh.

Any words that you would like to learn that I can help you with? Drop a message below!

Thanks again to Christina for taking the time to teach us something new! What languages can you speak? What do you think is the best way to learn a new language? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah