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One and Co

Archives for May 2020

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4 Most Common Reasons People Go Bankrupt

Believe it or not, more people go bankrupt in the United States every year than you might like to think. Most people who find themselves at the point of going bankrupt rarely see it coming until it’s too late. Although it may seem like bankruptcy is an easy way of escaping your financial burdens, the truth is that it comes with all sorts of problems that you don’t want following you around for years to come.

Here are some of the most common reasons why people find themselves filing for bankruptcy and what you can do to make sure that it doesn’t happen to you.

Unpaid Medical Bills

Unfortunately, even with health insurance, a lot of medical procedures are incredibly expensive. Not only are the bills themselves quite pricy, but also related expenses of illness and injury like missing work.

All it takes is a few medical bills to find yourself under a mountain of unpaid bills that can leave you suffering for years. It’s in your best interest to try to catch any health issues as early as possible and keeping yourself as healthy as you can.

Letting your health complications get worse by not going to the doctor can wind up costing you much more in the long run.

Job Loss

There are all sorts of reasons why people lose their jobs. Whether its due to being laid off or getting fired, either way, losing your source of income can be detrimental to your well-being. When you suddenly can’t pay your bills anymore, it can send you into a spiral of debt.

Between having to cover your rent, bills, and pay for your basic needs like food, it can be impossible to survive if you don’t have an emergency fund put aside.

Losing your job during difficult economic moments can result in ultimately going bankrupt. For this reason, experts recommend always having at least several months worth of salary.

Unsurmountable Debt

Contrary to many people’s beliefs, credit cards are not free money. Relying on your cards to pay for things that you can’t afford will quickly add up. Over time, you’ll find yourself owing so much that you won’t be able to pay it back.

Remember, credit cards don’t just need to be paid back, but they need to be paid back with interest attached. It’s important to take that into account before you start charging your card left and right.

Divorce

Unfortunately, when many couples get divorced, one of them has to give all their assets to their ex-spouse. Between alimony, legal fees, and child support, some people find themselves so far in debt that they have no other choice but to file for bankruptcy.

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Javier Burillo – The Importance of Making Your Bed

Across the world we are going through something of a self-love phase with people looking for ways in which they can live better, do better and be better people. This has always been the case to an extent but since the dawn of the internet we are seeing it more and more. Across the web you’ll find all manner of life hacks and self-help videos, motivational speeches and other media which seeks to help us be the best version of ourselves. I was chatting about this to my friend Javier Burillo last month and he began talking to me about the importance of making your bed when you get up. I had zero idea what he was talking about but after he’d explained this theory to me it did make quite a lot of sense. I have since started doing this and what a difference it has made, here is the theory and what I have experienced so far.

The Theory

The theory behind making your bed comes from the military, where of course making your bed and keeping your quarters in good shape is something which is heavily enforced. The onion behind the importance of making your bed is that this is the first act of the day, your first achievement, something which you had to do and something which you have already ticked off the list, thus inspiring you to be more productive throughout the day. There is also the added sense of pride, pride in where you sleep and live, that you will keep it looking good and therefore you’ll feel good.

My Experience

I am usually a throw the quilt over the bed in whichever way it falls kind of guy, but I took Javier at his word and decided that maybe he was on to something. The first day I made my bed like nobody has ever made a bed before, every corner was impeccable and there wasn’t a crease to be found, I actually spent almost 15 minutes doing it. I thought nothing of it and went downstairs for a cup of Joe.

Following my breakfast and coffee I shot back up the stairs for a shower and to get ready and bang, as soon as I entered the room there was this immediate sense of comfort and yeah, a little bit of pride. Walking into a room with the bed made just feels like you are doing life right, no matter how simple a gesture it was. After a couple of days I almost found myself excited to make my bed in the morning, it was almost a way of fully closing the chapter on my night of sleep, rather than having the possibility of going back to bed dangling in front of me.

Of all the life hacks that are out there this is one which surprised me the most, and one which I am religiously doing each day.

 

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PROS AND CONS OF GETTING A DEGREE IN BUSINESS ADMINISTRATION

The contemporary world has plenty of career options, and students find themselves under immense pressure when they have to choose a career path for themselves. The transition from high school to college is a tumultuous time of their lives, and especially the stress of selecting a major overwhelms them. Their decision to choose a particular subject to attain a degree decides their future in a significant way. Although some of the degree holders eventually decide not to pursue careers in the same field.

Business administration is one of the most in-demand majors for many years. Many students who cannot decide on a career path for themselves end up choosing business administration either because of peer pressure, or they simply want to join the bandwagon. A degree in business administration is undoubtingly a legitimate way to break into the business world; however, a specialized degree in accounts or finance would attract more attention from the recruiters, and degree holders in these fields often land jobs without much effort. If you are in the military or navy, you might want to find an online navy degree program, as they are better suited to your specific needs.

Nonetheless, a degree in business administration is a popular choice, and every year students in flocks register for it.

The following are some of the pros and cons of acquiring a degree in business administration, which will help you in deciding your major:

Pros of Acquiring a Business Administration Degree

  • High Demand in Market

Many employers consider a degree in business administration as the key to success. They prefer degree holders in the business field over other degrees, as they believe earning a business degree is a vigorous process that prepares students for real-world challenges. Business administration degree holders have the edge over other fields’ degrees as they are always in demand.

  • A Multitude of Career Options

The degree provides students with a strong academic base in the fundamental functions of a business. A person who has acquired a business degree develops a skill set required for various fields in the industry. The degree opens up the doors of diverse career paths. It prepares you to work in a vast number of popular tracks, including finance, accounting, management, sales, international business, and marketing. That also gives degree holders the option of switching their fields after serving in a particular area for a few years.

Education trends are ever-changing, and the e-learning market is booming these days. Owing to the outbreak of COVID-19 and the lockdown administered nationwide by many countries, more students are turning to digital platforms to earn an online business degree to further their job prospects. Now students around the globe can register themselves to benefit from the reputed colleges to earn their master’s degree.

  • Attractive Salary

The prospects of salary play a significant part when students choose a major after high school. When we compare college graduates’ wages among majors, business takes the lead. Other fields like chemistry or international relations are equally challenging, but graduates in these fields do not get a high salary like business graduates.

  • Useful Skills

The education one receives from a business administration degree equips one to function in the corporate world, regardless of their field. The awareness of operational techniques and business methods makes you a better contributor. Even people who end up in a non-business related sector still have some interaction with business communities, and a degree in business enables them to understand their norms, values, and practices.

  • Networking Opportunities

University students get immense networking opportunities. As a student, you meet professors, recruiters, and when you attend various workshops, you see people from other universities with the same background. They can guide you about the spheres of professional life and can even help you secure a job while you are still pursuing your degree.

Cons of Acquiring a Business Administration Degree

  • Cut-throat Competition

As stated above, business is a popular choice as a major amongst students, and hence you need to score good grades to enter this field. Even when you have secured admission, the stiff competition will not stop; instead, it will get intense. Needless to say that since a plethora of students earns a degree in business, recruiters get plenty of job applications for a single post.

  • Time Commitment

A degree in business administration means excessive assignments, quizzes, and assessments. It requires dedication from the students for four years if they are pursuing a bachelor’s degree and for two additional years if they want to continue to an MBA. The degree requires a high level of discipline and commitment in terms of attention and time.

  • Cost

Business as a major has the potential of breaking your bank. Tuition fees alone mean a considerable financial commitment, and apart from it, there are various other expenses related to studies, such as textbooks, housing, stationary, etc. The expenditure of a multi-year degree is expensive, and students should think hard before making a final decision.

  • Less Emotional Support

Surveys have concluded that students studying business as a major do not receive much emotional support from faculty members or fellow students. The studies expose an environment of lethal competition. Students of this field are generally less sensitive to others. Usually, mentors help in a significant way in college, especially in the first year, emotional support is vital. The students of business administration are enthusiastic about the degree but lack the emotional component.

  • No Industry Specific Course Material

A degree in business administration is an intense process, yet when you enter the professional world, you realize that the course did not cover many essential aspects. Unlike other fields like health administration or literature, degree holders of business administration may require new knowledge and support even after the degree.

Conclusion

A degree in business administration is not a bed of roses, but one that requires extensive hours and long-term commitment. Far from the general perception, business degree holders do not always land a job in a dazzling environment of suits and ties. But the degree does pave the way to diverse careers, and they can gain entry into a variety of fields. And acquire many useful skills such as decision making and leadership qualities, which help them in every phase of human life.

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How to Find Friends That Share Your Interests

You’ve probably noticed that the older you get, the more trouble you seem to have in making new friends. Well, you may be relieved to know that there are a few studies proving that it’s more difficult to make friends as we get older. But you don’t have to be one of those people that fall into this trap! You can still find people that have similar interests as you and have fun. Here are a few ways you can make new friends despite what science says about camaraderie in old age:

Use Helpful Apps

Technology has grown to be an extremely helpful tool for those who want to meet new people in this day and age. The largest tools people can use to find new people are social media platforms (like Facebook, Instagram, and Twitter) and dating-like apps specifically made for making friends (like Bumble for Friends).

But the internet is vaster than social media sites and dating apps; you can find totally free people search sites that allow you to find new friends with similar interests without dropping a dime. On these sites, you can prioritize certain kinds of people who have similar backgrounds and interests as you; and through your people search, you can find yourself or new friends with whom you can spend quality time.

Meet New People through Your Other Friends

Another way you can make new friends is by meeting new people through the friends you’ve already made in your life. Who knows you better than the friends you currently have? And, if successful, you can create a network of friends that all know and like each other. As a friend group, you can go out and do activities that everyone can enjoy.

Spend Quality Time with Like-Minded People

Now that you’ve found your new friends, it’s imperative that you spend quality time with them. One of the biggest reasons we have difficulty making friends as we get older is simply because it takes so much time to make friends. According to an article from TODAY, it takes approximately 40 to 60 hours spent together for two people to become friends. For some, that can be pretty difficult. If you have a busy, time-consuming job, this may be an obstacle for you in terms of making friends. You might not have the time to commit to hanging out with people like you used to. Right now, you have to specifically carve out an hour or two to visit with the friends you already have, so how are you supposed to make new friends?

One of the easiest ways for you to make new friends who share your interests is to attend events, meetings, or groups that relate to that specific interest. You can often find out about upcoming events on social media, the local paper, or even by conducting a quick online search with a few helpful keywords. And you can share this information with new friends you’ve met online who have similar interests to you. So, if you and a new friend enjoy DIY wall decorations, you can go to classes together on DIY projects or have DIY friend dates at one or the other’s home.

Ultimately, having any friends, whether new or old, is important. Loneliness can be an inevitability in life, as people grow up, change, and move apart. However, having friends is linked to a happier, higher quality of life overall. Making new friends with similar interests can be hard, but not impossible. And the result of making and having friends can far outweigh the cons that come with putting yourself out there.

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How to express gratitude?

Gratitude’ is a multi-layered, complex idea with more than one definition. It could be regarded at many stages of evaluation starting from temporary affect to long-term inclinations, as a general kingdom of thankfulness and/or appreciation , and as the recognition and appreciation of an altruistic present. There may be a wealth of evidence sparkly on the advantages that we originate from expressing gratitude and appreciation; such expressions evoke an array of psychological, social, and bodily advantages that promote our psychological, social and physiological health.Prem Rawat has committed his life to convey or addressing every individual’s essential need for peace by bringing his unique message of peace to the world. He is an ambassador and always talk about peace gratitude with all positive aspects. Words are powerful and the best, maximum direct, and way to specific gratitude to the people we may additionally take as a right. Given proximity, a verbal expression of your appreciation in individual is powerful – if you can’t do it in man or woman, make the smartphone name and brighten someone’s day.

How Can We Best Express Gratitude towards Others

Gratitude will have a long-lasting high quality effect if we paintings in the direction of incorporating it into our everyday lives. The expression of gratitude is a self-selling exercising, thankful people are located to be more likely to respond with gratitude to a wider variety of eventualities and recognize the beneficence at the part of others. blessings expressing gratitude his ends in a positive, self-renewing, feedback loop – the more gratitude we display, the more our subjective properly-being and resistance to negativity will increase, and the greater grateful we are possibly to be.

The advantages of Conveying Gratitude for Life and Others

Expressing gratitude can result in considerable will increase in subjective, psychological, non-secular, and bodily nicely-being; the benefits of expressing gratitude are many. Maintain requirements of etiquette to your day-to-day interactions with strangers. Just due to the fact you don’t understand them, it doesn’t suggest you have to withhold the not unusual courtesy you assume yourself. Preserve the door open, admire their space, and take into account of how your movements affect them.

Physical fitness benefits with gratitude

Gratitude expression correlates definitely with self-suggested bodily fitness and, via the mediation of mental fitness, increases wholesome sports and willingness to be seeking for help for fitness worries. Research geared toward investigating the efficacy of recording gratitude yielded extraordinary findings in phrases of superb subjective results.

Show gratitude through creative expression

We can’t all be talented artists, however it truly is the notion and effort put in that counts. Frequently self-made items suggest the most; a bit of creativity is going a protracted way.Whilst expressing gratitude in person is probably a big step for a few, the gesture of going from your manner to tell someone how a great deal you respect them is sufficient for every person to feel the blessings. if you may’s make the go to in person, send a customized video message.

 

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Top 7 Advantages of Using Porcelain Paving

There was a time in history when we did not have enough choices to make when it came to the interior or exterior flooring. The clay and wood bricks were used in that period. But as technology kept invading societies in so many ways, it also made a leap in the field of flooring. The ceramic tiles were invented, but they were also not considered a great choice. Then the invention of porcelain happened, which changed everything around. This invention gave more beauty and quality to outdoor paving slabs and indoor flooring, as porcelain was more superb and tougher in use as compared to various other materials.

If you are looking to find an answer for your next construction project, whether porcelain paving should be used or not, then here are top 7 reasons to explain, why you must go with porcelain paving:

1. Capacity to Handle Wear & Tears

If porcelain is compared with ceramics, it is evident that porcelain is more tough and rough, especially when it comes to sustaining extreme weather conditions. Porcelain is also better at handling the load of traffic. The paving material used in porcelain is not only durable, but it is also compact to decorate different exterior spaces. No matter you live in a hot region, or you are dealing with extremely cold weather, porcelain will be able to sustain in both conditions without showing any wear & tears. Many other tiles tend to get cracked in conditions such as frost conditions, but the porcelain can sustain that too.

2. Great Versatility and Options

The beauty of porcelain paving is that it not only great in its versatility, but it is also wonderful in terms of providing a range of options. The users can have a variety of sizes, shapes, and colors as per their choice. The outdoor surfaces and walkways can get a beautiful and versatile look with a variety of designs provided by porcelain paving. The users can also customize their options as per their requirements.

3. Porcelain can resist Stains

The wine or water spills is a common thing to happen in daily life, but if you have used grey porcelain paving in your home or office, then there is no need to worry about any spills. The water or any other liquid cannot put stains on the floor because porcelain is impassable. You can take a piece of cloth or tissue to clean the stain, or you can clean it with water. There is no need to use any detergent or any other chemical to remove stains from porcelain paving.

4. Ability to resist Moisture Penetration

There are so many ceramics, such as porous ceramic, which cannot resist water. But here is another great advantage of using porcelain paving. Porcelain can easily resist water because it is less porous in nature. The water cannot penetrate under the surface, where porcelain paving has been used. If there is a rainy season coming around, but you do not have to worry about rains as porcelain paving will resist all kinds of dampening and moisture penetration. So, you can stay tension free from moisture if you have used porcelain paving.

5. A Safe Choice for Exterior Paving

The surfaces used with porcelain paving are skid-resistant, especially when there is an application of coarse finishing. If there are any wet prone areas such as a swimming pool, the porcelain paving can help to keep safe from any small or big accidents. The exterior areas can be prone to wet conditions due to rains, and porcelain will help in keeping exterior paving safe and secure. There are various fire-resistant materials, which are used in the construction industry and the great advantage of porcelain is that it is also fire and heat resistant. So, you can use it in kitchen areas without any worries.

6. Easy to Maintain, Wash and Clean

We have mentioned earlier that porcelain is great to resist moisture and water penetration, so when you will have to wash and clean any porcelain surface, you can do it easily. The dirt cannot stay longer on the porcelain so you can also maintain surfaces more easily without having any stains. The porcelain tiles can look clean and dirt free if you wash it every week, or even after two weeks by using amazingly simple water. If any tile is damaged, then you can easily replace it with a new one without doing resurface of the whole floor.

7. Lighter in Weight but can handle Heavy Traffic Load

The natural stones are durable and compact, but they are also heavier in weight. The good thing about porcelain is that it is lighter in weight, but it comes with all the properties of natural stones. That is why it can be used at public places, and if its installation is done properly, it can handle any kind of traffic load without getting damaged.

Get inspired and transform your garden to next end patio graden!

Porcelain paving makes sense as the ideal choice for next end garden patio – it is tried and tested by thousands of our customers.

Right now, is the perfect time to pursue your patio goals; spring is approaching, so now is the time to bring your garden LEAD TO CONTEMPORARY! We love inspiring homeowners to take control and tackle their messy patio gardens because we know the effect their transformed green outdoor space will have on their family. The patio garden is the place to play, breathe fresh air and experience nature life; all children remember times spent outdoors, and we all love a relaxing drink outdoors on sunshine days, so having a patio garden to be proud of is something that benefits adults and children alike.

Stone Paving Direct Ltd is a professional porcelain paving supplier established in 2018, who is supported by famous manufacturer of vitrified tiles in India. Stone Paving Direct ensures the use of porcelain slabs – as leading supplier, and quality guarantee on all materials! We are capable, reliable and honest wholesaler located in Milton Keynes, MK8 8DD of the UK. We are a best one of the UK paving slabs suppliers out there! Please check our website on google and call us for a professional support. We do national paving slabs delivery; we can give your suggestion of your patio garden if you are rebuilding it or want to make a new one!

If you are interested in more details, please visit https://www.stonepavingdirect.co.uk

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Tips For Maintaining Health In Your 60s

You can never stop or take control of the turning wheels of time, nor can you prevent its ravages. The brightest candle shedding light on this subject is our age, the most critical as well as a cruel gift of time. We learn and progress towards becoming a better version of ourselves every day as we walk out that front door. But we also become fragile, anxious, and find it hard to do things ourselves over time, and all that means that we become dependent onto others for doing them for us. That is why aging with time can be a double-edged sword.

Two People Standing in Forest

The scale of problems that accompanies aging is beyond measure, as you don’t just assume life slipping away from your hands. Instead, you imagine everything that is working like clockwork slowly taking the toll of your age. You can see your daily routines crumbling, values shifting, family members growing distant, and the worst part is that you are in a helpless state to avoid all that from happening. By this time, there’s a good chance that you might have stopped bothering about it unless a good friend or some extra drinks bring it out of you. As bad as it already sounds, you would not like to know that it is the worst possible way of dealing with this situation.

Wasting yourself away and accepting that it must be fate which drove you to this point can’t help but worsen your position. Luckily enough, there are a lot of people going through this, so someone had to find ways to improve standards of living for people battling aging. Every individual tried their remedy to achieve this distinctively. It was physical activities that turned things around for some people, while others preferred more abstract methods to help them overcome the circumstances. The results depend on person to person, but they surely made a positive difference in changing the outlook of some rigid people.

If you are someone already battling this, or slowly falling into that pit, then here are some of the popular solutions to help you maintain that posture. These tips will help you maintain that health even at an old age with a charm.

1. SUPPLEMENTS

It can be hard to confess that you are no longer in a position to hold your ground. Some people feel vulnerable from making it clear while others are afraid of the embarrassment that they will experience afterward. These inhibitions against being dependent and reliant on others are natural.

What you can do to make things less discomforting is turning to supplements in time. It is a lot better to take the necessary supplements that your body needs instead of having strong opinions against them. Getting your routine vitamins is essential, but it is better to go the extra mile. Order coq10 online, a natural care product that will help improve your heart function and cellular energy to spend a healthier day. The perfect supplement that you need to not only look fresh but feel fresh from within.

2. EXERCISE

Nothing affects your health as much as being in good shape. If you are not a fitness freak before hitting your 60s, then it might be a good time to start from the basics. Try going out for some walks to help build your stamina. You can get a pet dog to help you with that. They are loyal and lively companions who worry about you as much as you do. That strikes two birds with one stone.

Avoid going over the top and pulling any heroics, though. Where it helps to be in shape, remember that there’s an age for everything. You shouldn’t expect yourself following a taxing routine in your fragile state.

3. HEALTHY DIET

Food can never stop making a positive impact on your health unless you exploit its luxuries. Following a healthy diet can do wonders and bring a significant change in your life. Eating healthy is good for blood, skin, bones, eyesight, and what not? Technically speaking, you won’t ever come across half of the health problems that you had to face if you are careful what you eat. That is why you need to healthy and lots of it to have yourself functioning in optimum condition.

4. MENTAL HEALTH

Losing your capabilities and your loved ones can make a drastic impact on your life and affect your mental health. It can lead to having drinking problems, depression, anxiety, and make you frustrated in your day-to-day conduct. That means that you will be driving more and more people away from you.

In the current position, that is not ideal for anyone in their 60s. You need to avoid that from happening by being open to possibilities. Go out for drinks with your friends, have lively conversations, meet new people, and don’t miss out on the chance of coming across a beautiful partner for your evening. Sex may seem all pleasure, but it plays a vital role in improving your mental health.

5. EXERCISE CAUTION

Talking of maintaining health, remember that you can achieve this by avoiding to welcome more health problems. Remember to fit into the shoes of a 60-year-old before you think of shouldering any extensively troublesome tasks. Try not to get too excited and shoot your blood pressure at good things, and don’t think of going running around the house when alone. A fracture is the last thing you want your frail body to handle.

Practice good hygiene so that you don’t catch onto any viral and infections. Take medicines on time and go for annual health checks and physical exams to ensure that you are fit.

6. CHANNELIZE YOUR ENERGY

Besides these, another excellent suggestion to maintain that health would be to channelize your energy the right way. Giving up a working environment and sitting at home doesn’t mean that you have lost all the mojo within you. For all you know, it might be welling up inside you and demanding you find ways to invest it. Failing to answer the call might mean that you will stumble upon the idea that you have nowhere to be.

Instead of falling into that depression, you can take up an activity that you always wanted to master. It could be something like table tennis or snooker, or if you wish to look like a brainiac, chess might be a great choice. Just get up, get out, and use that time to be productive.

7. REST

While it may be necessary to keep yourself occupied and lively, don’t neglect that excellent health warrants sufficient rest. Try to take a breather more often and lie down when you get time. Relieve yourself from the stress and let your senses rest to recover. Relaxing is in itself a healing process and can significantly improve your health, so be sure not to neglect it.

SUMMARY

These are some of the useful guidelines that you need to consider for maintaining your health in your 60s. If you encounter a more persistent problem, be sure to visit the nearest clinic to get a professional medical opinion. And never think that age is just a number, don’t let it define who you are and how you prefer living your life.