One and Co

One and Co

Archives for October 2020

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Want To Retrain As A Nurse? Here’s How

Many of us are secretly harboring dreams of retraining and embarking on a career that is much more meaningful than the one that we have at the moment. We all want to feel as though we are making a difference in the world, and that the work we are doing matters. However, it can sometimes be hard to reconcile a more meaningful career with the demands of our daily lives and the need to keep earning a salary, so we put it off until a ‘later’ which never arrives.

If nursing is the career you have been dreaming of, it is absolutely possible to retrain and embark on the career of your dreams within a year!

Salary and Career Outlook

Becoming a registered nurse doesn’t only mean that you will have a career that is fulfilling, you will also be entering a field that is well paid, has excellent job security and has great progression opportunities for the future.

The average salary for a Registered Nurse in 2019 was $73,300, which is much higher than the average salary for other careers. The salary you can expect to be paid as a nurse will vary depending on which area of the country you are living in, and what type of healthcare institution you choose to work for. For example, a huge teaching hospital in a city is likely to offer higher salaries than a small rural healthcare clinic. That being said, the living costs in those areas will differ too so it should mostly balance out! The highest nurse salary in 2019 was $111,220, and the lowest was $52,080.

There is also likely to be an increased demand for Registered Nurses in the future. The BLS (Bureau of Labor Statistics) is predicting that between 2019 and 2029 the number of nurses needed will increase by 7%, with an additional 221,900 nurses being employed over that time period. This is due in part to the aging population, and the fact that we are seeing a rise in patients with chronic conditions requiring healthcare, such as obesity and diabetes. There is also an increased focus on preventative healthcare techniques, which nurses play a huge part in.

As a nurse you can expect to be paid a good salary as soon as you graduate and to be rewarded as you gain qualifications and experience. There are also a few directions that experienced nurses can take their careers in if they want to progress even further:

  • Nurse Practitioner – a senior member of the healthcare with similar authority regarding decisions on patient care to that of a physician. In some states Nurse Practitioners can even go on to start their own practices.
  • Nurse Educator – working mostly in academic institutions, nurse educators work to teach the next generation of nurses, while working on their own research at the same time.
  • Specialist Nurse – you can choose to specialize in a particular nursing track, for example you could be a pediatric nurse working with children and their families, or a geriatric nurse working with elderly patients to improve their lives.
  • Shift leader – this position is a management level position, coordinating teams of healthcare providers while considering budgetary requirements to ensure that patients receive the best possible care.

Choose Your Education Program

To become a Registered Nurse there are a few steps you will need to take:

  • Obtain an accredited degree in nursing. We will go on to discuss the available degree types.
  • As part of your degree you will need to complete supervised clinical training, roughly three hours of clinical training to every one hour in the classroom.
  • Once you have your degree and clinical experience, you can apply for your state license. You will need to check with your individual state for the exact requirements for licensure, but most states will require you to complete a Federal criminal background check with fingerprinting.
  • Next you can take the NCLEX (National Certification Licensing Examination) to become an RN.

When it comes to choosing your degree, you have a few options. An Associate Degree in Nursing (ASN) will allow you to complete your degree in two years or less. However, more and more healthcare institutions are making it a requirement that nurses have a Bachelor of Science in Nursing (BSN) so it’s probably a better choice to take this route. BSNs take four years to complete, or if you already have a bachelor’s degree in another subject you can take an Accelerated Bachelor of Science in Nursing (ABSN) to achieve your BSN in a year. You can view a list of post baccalaureate nursing programs to see what options are available to you.

It’s also worth noting that more and more nursing programs are now available online. Although you will have to attend a physical location for your clinical hours, it may be possible to do the academic side of your training virtually, which makes it much easier to fit in with the rest of your life!

Funding

A worry for a lot of people undertaking a degree is how they will pay for it. Although it might well be worth it financially once you qualify, getting there can be tough!

If you can find one, scholarships and grants are the best option for financing your studies as you won’t need to pay them back. It’s worth checking with your state whether they are offering any assistance for trainee nurses, as many states are investing heavily in training healthcare providers in order to try and meet the predicted demand.

If you are unable to secure a scholarship or a grant, a loan isn’t necessarily a bad option as several states have implemented student loan forgiveness programs for nurses, so you may be able to get your loan written off.

As far as choosing a loan goes, you can opt for a federal loan or for a private loan. Federal loans are tied in with your earnings, so you don’t pay them back until you are earning enough to do so. Private loans will need to be paid back whatever you are earning, however, you may be able to secure a more favorable interest rate.

 

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A Lost Life is Never a Lost Cause: Dealing With Wrongful Death

Losing someone you love is a confusing and brutal experience. When the person in question has died due to the negligence of someone else or a company of people, things can feel even more nonsensical. No amount of financial recompense could ever make up for the loss of a family member. This being said, the law has created space for financial compensation to be given in cases where a death was caused by the negligence of another person, company, or party.

There are often financial burdens associated with death like medical bills, funeral expenses, and, in the longer-term, the loss of an entire income for a family. In addition to these burdens, there can also be a financial compensation granted for mental pain and suffering, the loss of companionship, and the loss of support.

Defining a Wrongful Death Claim

A wrongful death suit is a lawsuit that is filed in response to a death that was caused by negligence or intentional action that resulted in death. These suits are civil, not criminal, and are most often brought to court by family members or the estate of the person who has died.

This route, while emotionally draining, is often looked at because a wrongful death claim can be the solution to the financial aspects of this suffering. Most states have specific procedures designed to be followed to place a wrongful death claim. Often there are limitations on the amount of time after a wrongful death claim can be filed, and almost always, this process is guided with the help of an attorney specializing in wrongful death cases.

What Can Constitute a Wrongful Death

While each case is different and should be approached with the specifics of your particular scenario, some common incidents produce wrongful deaths. Car accidents, medical malpractice, elder abuse, defective products, pedestrian accidents, premises liability accidents, and fatalities related to unsafe work environments are all examples of common wrongful death claims. There is also an increasing number of claims specifically having to do with those who have been wrongfully convicted of a crime and given the death penalty. If this is the type of claim you are considering, you might be able to find additional support from organizations dedicated to the abolition of the death penalty.

When the Suit Can Be Filed

Each state has individual specifics regarding how long after the wrongful death a suit can be claimed. As a general rule, it is usually better to take action earlier rather than later. This will allow your attorney time to do the necessary work to give your case the best chances it can have. Sometimes research needs to be done, and this can take some time, depending on how accessible certain information is.

A Wrongful Death Attorney is Crucial

Wrongful death claims are unlike any other personal injury claims. Because of this, it is crucial that if you are considering pursuing a wrongful death claim you need to work with a professional attorney that specializes in this area of law. The law is a complicated system often written out in antiquated legal jargon that requires years of study and practice to understand.

Beyond this, it takes years of highly specialized experience and training to be able to navigate this specific area of law successfully. Beyond the specialization, it is also important that you seek out an attorney who practices and has experience in the state where the tragedy and case are to occur. Laws differ from state to state, and because of this, a lawyer working in Texas might not be equipped to handle a case in Illinois.

Additional Help You May Need

It can be incredibly challenging to determine the financial value of someone’s life. Experts at https://www.curcio-law.com/practice-areas/wrongful-death/ explain that because of this, there are forensic accountants and economists whose job it is to help people assess the financial loss and future financial requirements their family might have after a wrongful death. Many attorneys will be able to recommend good sources of these services for you. Some law firms even have staff that can provide these services for you.

Considerations Regarding Who Will File the Suit

Any person who has suffered because of the death can file a wrongful death suit. Most often, this is a family member. Usually, this person is agreed upon by those affected to represent everyone who is suffering. It is important to carefully think about who this will be, as likely everyone involved is struggling mentally and emotionally, and participating in a lawsuit is an incredibly stressful thing for most people. Whoever is chosen will likely need additional emotional support from other family members in this tough time. If you are unsure who should file the actual suit, you can bring up your concerns with your attorney. Your attorney will be able to share additional information about the process in your state that can help you make an informed decision.

Coronavirus Considerations

Given the drastic and sudden shifts experienced by everyone and everything in response to COVID-19, it is no surprise that wrongful death claims are also being affected. Many people are wondering if certain circumstances surrounding a coronavirus-related death would be considered a wrongful death. Several of these lawsuits have been filed. It is expected that more may follow.

Employers of essential workers did and still do, owe a duty of care to their employees. This could include implementing procedures that reduce the risk of the virus spreading according to the recommendations of the Centers for Disease Control. If the death occurred due to coronavirus contracted in a workplace environment where disinfection and social distancing measures were not implemented could qualify as wrongful death. Likewise, if appropriate measures were not taken to reduce the risk of coronavirus being contracted by nursing home residents could also count as wrongful death. If your suit pertains to COVID-19, speak to an attorney.

Being in the position to file a wrongful death claim can be confusing and add to the emotional strife of having lost someone. It is important to remember that there are people in the world who will assist you with the claim. Reaching out for guidance and help is one of the best things you can do in this situation. The weight of this type of burden is too great to carry alone.

 

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Rock and Mineral Collecting

During the pandemic, you may be interested in taking up a new hobby. With extra time on your hands, you can learn about anything during that hour you’d usually spend commuting to and from work. Some people chose the crafty route. Having something physical to interact with can be very rewarding. While other people chose a more intellectual journey by taking classes from one of the many online offerings, like Masterclass.

If you still haven’t found your new hobby, why not find one that marries the hands-on nature of crafting and the intellectual side of classes? You can do both by being a rock and mineral collector. In order to get you started, here are a few points to take into consideration.

Will you need extra space?

Initially, you’ll be able to display your collection easily within the confines of your home. Your partner or spouse might even enjoy having a beautiful bit of the outdoors inside. However, when your collection really starts to take off and grow, you probably won’t be able to keep tubs and drawers full of rocks and minerals in your crawlspace anymore. You don’t want to have to limit your collecting, because the whole point is to have a wide amount of samples to learn from. In order to keep your spouse from banning any more rocks inside your home, all you really need is a storage unit.

A storage unit will give you the flexibility you need to collect as much as you want. You’ll have easy access any time you want to look at or display one of your findings or purchases. Take into consideration how big your collection is right now, and think about how much you’re willing to grow it to figure out how much square footage you’ll need in a storage unit? Are any of your rocks or minerals sensitive to temperature? You may need a certain type of storage unit and that’s temperature controlled. A quick search on the Internet for “best storage units near me” should yield you exactly what you’re looking for.

Where’s your community?

Half the fun of collecting is communicating with and learning from other enthusiasts. You can learn a lot from the people around you, and maybe even teach them a thing or two once you’ve been immersed in the hobby for a while. You don’t even have to go to a Gem, Mineral, Fossil, and Jewelry show to meet incredible people in this field. Online resources work just as well.

A name in the rock and mineral community that you won’t want to forget is Howard Fensterman. Howard Fensterman has a fun and fascinating website where you can learn about your hobby and passion. Ever wanted to know some fascinating facts about diamonds? Want to know why the hubbub surrounding Morganite? Fensterman walks you through in fun and accessible blog posts that will get you and your friends talking and thinking.

Is collecting rocks and minerals popular?

According to an article in Forbes, rock and mineral collecting has been around since ancient times, which means you’re in great company. Being a rock and mineral collector opens many doors when it comes to places you’ll want to visit. Always wanted to go to Maine? Now, you have a specific reason to go with the recent opening of the Maine Mineral and Gem Museum.

You’ll be strolling the Natural History Museum at the Smithsonian in absolute heaven, because you’ll truly understand the value and background of each specimen. Once the world is safer to go out in, you may want to consider volunteering at your local museum, so you can get others interested in your new hobby.

 

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How to Sell Land for Top Dollar: 7 Tips for Getting Higher Offers

You’ve got a bit of land you’re thinking about selling—but how on earth do you sell it for a large profit?

Land can be extremely valuable, with buyers looking for open space to build a home, start a business, or for agriculture. However, it isn’t always easy to find buyers and attract high offers.

If you’re wondering how to sell land for a big profit, you’re going to need to know a few tips. Keep reading to find seven tips not only for selling your land, but also for maximizing your profits.

1. Knowing How to Sell Land Starts with Knowing Zoning Regulations

Before placing land for sale, you’ll want to know both its estimated value and the zoning regulations.

Zoning regulations are part of urban planning, designed to separate commercial, residential, and agricultural land. However, the zoning regulations for your land can help dictate its value.

If it’s zoned for commercial use, it will be worth a lot more, and likely to be scooped up by developers who will build on the land. However, land zoned for residential or agricultural use may have a lower value.

2. Clean It Up

Whether you’re selling property or land, curb appeal matters—to sell land fast, it needs to look its best.

When wondering how to sell land for a good price, remember that buyers want the land to look appealing and that they are willing to pay a premium for that. Mowed and tidy land will likely sell for more money than land that needs work, as the hard work has already been done.

Prepare for sale by removing debris, chopping down dead trees, and generally cleaning the area. You may want to bring in a gardening team to landscape as well, as this will make the land more attractive and may increase interest.

3. Market Across Lots of Sites

When selling land, you want to cast a wide net. Your land could appeal to just about anyone, so you’ll want to advertise on the main real estate sites in the US.

Some to check out include Zillow and Realtor.com, but there are likely to be sites local to your area. If you’re working with a real estate agent, they will handle the marketing for you, but if not, you’ll need to do it yourself.

Before listing the land, try to have some professional photos taken that you can use for the ads. For an extra touch, video or even drone footage are amazing ways to showcase the beauty of the land, helping potential buyers feel like they are actually there.

4. Promote on Social Media

In addition to advertising on real estate sites, you’ll also want to promote your land on social media.

77% of realtors use social media for real estate to promote their listings, so you should do that same—increasingly, buyers are looking on social media when they’re in the market to buy.

Create a description of the land with photos, then share on both your own profile and in local community groups. Sharing on social media means you can reach a much wider audience of potential buyers, and the more people are interested in the land, the higher it will sell for.

Facebook is the best site to start with, but you may find some success with Instagram as well.

5. Talk to Neighbors

If there are neighbors living near your land, why not talk to them and let them know that it’s for sale? They may be interested in expanding their property, so selling the land to someone nearby could make for a quick and easy sale.

Or, they may know others who are looking to buy within the area and can let them know that your land is for sale.

By selling directly to a neighbor, you won’t need to worry about losing money to real estate agent fees.

6. Take Interested Buyers on Tours

If someone shows interest in the property, offer to take them on a tour. Just as you would have an open house when selling a home, have an open day for your property where you show potential buyers around.

Take them on a tour of the land, tell them about the area, and point out any features of interest. If there is anything to be concerned about, let them know as well—buyers always appreciate honesty.

By seeing the land in person, buyers are more likely to imagine themselves living there, which may lead to bidding wars or higher offers.

7. Always Follow Up

When you receive any questions, comments, or expressions of interest in the land, always reach out right away. When people are interested in property or land, they want answers and information fast—otherwise, they might look elsewhere.

Also, don’t be afraid to follow up with people who have shown interest previously. Even if they tell you they’re no longer interested in the land, you may want to ask them why—this can be helpful feedback that you can use to refine your sales techniques.

Sell Your Land Fast with These Top Tips

Now that you know how to sell land effectively, it’s time to get started. Use the tips above to create a marketing strategy for your land and get the word out there that it’s for sale.

Although it may take some time to fully understand real estate and marketing, with a bit of research and trial and error, you’ll soon be on track to selling your land.

Get started today and you’re sure to sell your land for the highest possible price!

Did you find this article useful? If so, please check out some of our additional content to learn more.

 

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7 Dog Breeds That Require Special Care and Attention

Dogs are wonderful animals that bring with them a lot of joy and companionship. Whether you are a long time pet owner or searching for a dog without prior knowledge or experience, there are certain things that you should understand about a few specific breeds that require a lot more care and attention than your average canine companion. Here are seven unique breeds that you should be aware of before you make such a long term commitment.

Huskies

Huskies are a type of dog breed that requires special attention and care for a wide variety of reasons. If their requirements for care are not met, you will have to deal with some very loud barking and yelling. Huskies are cold-climate dogs, so this means that their environment needs to be a lot colder than normal. Their mains and fur are very thick, which can lead to overheating. If you do happen to adopt, purchase, or own a husky in a warmer climate, you need to accommodate the needs of these dogs and their comfort levels. Running constant air conditioning units and periodic ice baths are good habits for a household that will be home to a husky. Housing a husky will be much easier for those that live in a suitable climate, and if you don’t, raising them will require more attention and care.

Pitbulls

Pitbulls have been long seen as a scary breed of dogs, often associated with difficulty for caring. There is a half-truth to this statement, as they are dogs that can be difficult to care for and manage if not treated properly, but they are wrongfully labeled as aggressive and scary. In fact, pit bulls are very loving, caring, and social dogs, often wanting to play and interact with strangers if raised in a caring environment.

The difficulties raising them come from those same personality traits as their social demeanor requires a lot of attention and they are a very active breed. They are dogs that also have protective tendencies and with such, need to be raised accordingly so as not to get overly possessive or territorial. Not providing these dogs with the attention they crave can have adverse effects and result in maladjusted pets.

Border Collie

Many dog breeds that require a greater deal of attention and care are typically dogs that have high amounts of energy. Border Collies tend to fall in this group of high energy and active dogs. These dogs have a natural desire to work and herd, and if not available on a farm with animals, that energy spills over to other pets, children, toys, and humans. For dog owners that consider this breed, you need to consider how much time and energy you are able to dedicate to these pets as they will need as many activities to keep them preoccupied.

Terriers

Terriers are dogs that have a lot more energy than you would find in a small breed. Their energy levels can compare to that of much larger counterparts. Despite their small size, Brandon Johnson with Puppy Joy says, Boston Terriers need plenty of room to run and a lot of exercise to help curb their high energy levels. They can be good dogs that are suitable for small living spaces such as apartments or condominiums, but the consistent and frequent outdoor time to help them relax is necessary.

Cane Corso

Cane Corso dogs are part of the mastiff family of dogs. These are much larger dogs that have wonderful traits such as confidence and protection. However, with such a big dog, they require a lot of attention not only to feed and provide activity but also to teach as they can be overbearing for those that are not willing to put in the right amount of energy, especially early on in their developmental years. Cane Corso dogs are not recommended for first-time dog owners. As Cane Corsos age and grow, their living space needs to be accommodated for. They are powerful and muscular dogs, and they need to be well trained, otherwise, their size alone can be problematic to deal with. They need

Great Dane

Great Danes are very large dogs. Being a large dog, they will consume a lot of food. They are not as energetic as other dog breeds so you will be able to relax more, but there are other care needs that need to be considered with Great Danes.

As mentioned with their size, these dogs will consume a lot of food daily and will ultimately need financial stability in order to properly care for. Additionally, Danes are susceptible to many medical complications, much more than other breeds. This will mean more care and money are required if you have to care for a Great Dane that gets sick. Of course, if you can afford a great Dane, they will provide you with a loving pet that loves to cuddle on your couch or bed.

Pugs

Pugs are cute and adorable dogs that don’t require too much care in terms of active living and exercise or require much in terms of living area. The special care and attention that they need to come in the form of medical attention. Pugs sport a tiny, cute, and squished face. This is an aesthetic that, although many owners love, does not come without issues. They tend to have respiratory and breathing issues, which also translate to other problems such as gastrointestinal trouble. Pugs are adorable small dogs, suitable for apartments and condominiums, or people that don’t have as much energy or time for activities and exercise with their pets but require a lot of medical attention.

As intimidating as it is to learn about certain breeds that need a large amount of care and attention, every pet will require a certain degree of responsibility. Owning and caring for a pet is no easy task, but as you spend more time with your furry friend, you will understand that the love and care these dogs give you is more than enough for the energy and attention that you need to provide them.

 

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4 Ways to Spruce Up Your House Before Moving

If you are considering putting your home on the market and moving to a bigger and better house, chances are, you may have to spruce up your home a bit. While the last thing you may want to do is to complete some home improvements during the moving process, a little elbow grease can go a long way to finding the right buyer for your home. Here are some easy fixes to make before you contact your real estate agent.

Invest in a new garage door.

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With the real estate market being so tight lately, you’ll want to do anything you can to invest in the curb appeal of your home. You only have one chance to make a good first impression, so take a good look at the facade of your home to see what you can change and/or update. A garage door is an exceptionally important addition to both aesthetics and functionality. A home’s garage door takes up the majority of its facade, so you’ll want to work with a professional to install a new garage door and garage door opener as it will entice potential buyers even more. In order to find a professional garage door installer, Google keywords such as “Garage Doors Oregon” to find options near you.

Fix your carpets, walls, and moldings.

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It is the little details in your home that will convince a seller to buy, so you’ll want to fix and update any problems you may have with your carpets, walls, and moldings. While yes, the carpets can easily be changed by the new owner, it’s important for potential buyers to envision themselves in the home when they see it, so you’ll want to have the home as move-in ready as you can. This also goes for your crown moldings and the paint on your walls, so if anything is chipped, scuffed, or dented, use this time to make a complete repair. And once you remove the furniture from your home, consider giving the walls a fresh coat of paint. A neutral color can help to brighten up tired walls and will save the new owner any hassle when they move in.

Winterize your home.

Not only will a potential buyer be interested in the beauty of the home, but they will also want to ensure the home is secure and structurally sound. In the process of winterizing your home, you’ll look at the pipes, the insulation, make sure your furnace is clean and in working order, and check your foundation for any cracks. Additionally, you’ll want to check if your water heater is leaking, if your dehumidifier is in good shape, and if applicable, your air conditioner unit is in tip-top shape.

One important part of the home buying process is to have a professional come in and complete a home inspection. A home inspection details the condition of the house and lets potential buyers know if there are any problems that need to be fixed in order to be safe. A home inspection typically will make or break a potential buyer’s offer, so if you fix all the problems in your home before it’s inspected, you’re more likely to have a smoother buying process.

Make electrical fixes and upgrades.

Everything is easier to get to when the rooms are empty, so take this time to make electrical fixes and upgrades to outlets, lighting fixtures, and ceiling fans. Consider also creating more outlets, and even a programmable thermostat to make your home stand out just a little bit more during the open house.

Make sure to finish these four easy updates before you put your home on the market, and it will be scooped up before you know it!

 

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Boo, shake the room: 5 great London places to see this Halloween

It’s that time again: the witching hour is upon us. The nights are getting darker, Pumpkin Spice Lattes are back at Starbucks, and leaves are falling from the trees… it’s most definitely spooky season!

London is the perfect place to visit this Halloween. Whether you’re with friends, in a couple, or taking the whole family, there’s something for everyone to enjoy. So with that in mind, here are five of the finest places to visit in the British capital at this time of year.

Tower of London, River Thames

No trip to the capital for Halloween would be complete without visiting the Tower of London. This iconic landmark has served many purposes throughout history, meaning it has many skeletons hiding in its closet – particularly since it was once a prison and torture chamber.

A particular attraction for many Halloween visitors is likely to be the White Tower, where rumour has it you can still hear screams echoing through the walls. The Tower of London is also a mere stone’s throw away from the four-star Dorsett Hotel, City, so you won’t even need to worry about finding convenient accommodation.

The London Dungeon, South Bank

If you’re with your significant other, or perhaps your kids are a little older, London Dungeon is always a good idea. Learn all about the spooky history of the city through an enthralling animated live-action tour.

Hear from Jack the Ripper, Sweeney Todd, and Mrs Lovett along the way, bringing London’s dark past to life through their stories. This bone-chilling, immersive experience is not to be missed.

The London Bridge Experience, Southwark

The London Bridge Experience prides itself on being “The UK’s Scariest Attraction”. Set within the historical vaults of London Bridge, here you can travel back in time through an immersive experience, exploring 2,000 years of London’s scary history.

There are even zombies, demons, and monsters in a spine-tingling scare maze, The London Tombs. The London Tombs are not for the faint-hearted, so an alternative experience is offered for those under 11 – the special Guardian Angel Show, a fun experience with fewer scares.

ZSL London Zoo, Regent’s Park

If you’re after a slightly tamer experience that the kids can get stuck into, ZSL London Zoo is a fine option. Although the zoo is home to more than 750 species of animals, it’s the In With The Spiders exhibit that may be especially interesting for many visitors at this time of year.

It’s not for the arachnophobes, however, as this exhibit showcases black widow, huntsman, and giant bird-eating spiders. If that’s your cup of tea, great! So, after you…

Hampton Court Palace, Richmond upon Thames

History buff? Look no further as you can visit a real haunted house in London this October: Hampton Court Palace, the stunning former royal residence of Henry VIII.

Visitors are often particularly drawn to the Haunted Gallery as they embark on the lookout for Catherine Howard, Henry’s fourth wife. Legend has it that Catherine was dragged from the gallery to her death in the Tower of London, and it’s claimed that you can still hear her screams echoing in the night. Now that’s a truly haunting experience!

As always, it is strongly advised that you check out the websites of these respective attractions before arranging any visits, so that you can be sure of the opening times, entry conditions and events that will apply to each one – and avoid disappointment. Happy (horrifying) Halloween!

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How to Choose the Best Car Title Loan Company

Nobody enjoys being in debt but, sometimes, unfortunate events such as a medical emergency create a situation in which you need cash and need it fast. With traditional money-lending methods, there are tons of protocols that make urgently getting a loan difficult or impossible. This is where non-traditional methods like car title loans come in. Not only can you get such a loan within 24 hours or less, but, quite unlike traditional methods, factors like your bank credit do not matter.

Before you do business with a loan company, there are several factors you should consider and some steps you should take to ensure that they are reliable and that they are a good fit for you.

1. Assess and Understand Your Needs

When you are in need of cash, you may have the urge to go with the first title loan company you stumble upon. But, no matter how desperate you are, you need to take a step back and consider all the facts. To find a company that is a good fit for you, you must assess your own needs. Here are some things you should consider:

  • How much do you need to borrow?

Normally, the amount you can borrow will be based on a certain percentage of your vehicle’s value. This percentage varies from company to company. For instance, one company might offer only 25% of your vehicle’s value while another offers up to 50%. Knowing exactly how much you need will, therefore, help you find a company with a percentage that can cater to your needs.

  • How quickly do you need the loan?

Companies vary in their processing times. If you need ultra-fast service, some firms will offer you an agreement within 15-30 minutes, depending on your required amount.

  • What is your current financial state?

Objectively assessing your current financial state will help you avoid a lot of problems in the long run. You must think about how quickly you will repay the loan if you take it up to choose a company with a favorable repayment plan.

2. Do Your Research

Once you have figured out where you currently stand and what your needs are, you can start your search for a title loan company to fulfill those needs. An online search is a great first step—if you are in the Buenaventura area, click here to learn more about how to do car title loans Buenaventura Lakes. You can also ask family and friends for recommendations. Once you’ve found some viable options, you must thoroughly scrutinize each of them to avoid getting scammed and to ensure that they are a good fit for you. Here are a few things you should find out:

  • What is the application process like?

Every company’s requirements and the application process will be different. Review the requirements of any company you are interested in to ensure that you have all the essential documents to take up a loan with them.

  • What is the lender’s reputation?

To ensure that a company is legitimate and reliable, read through as many testimonials and reviews as you can find. This will help you find out what people that have done business with the company have to say about their services.

3. Thoroughly Review Terms and Conditions

Once you have identified a title company you would like to do business with, go through the finer points of their terms and conditions carefully. This step can be tedious, but you do not want to miss any important details by skipping it. It could save you from a lot of future regrets. Pay special attention to the company’s interest rates, repayment options, prepayment policies, and repossession terms.

 

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Tips for Planning Your Dream Getaway

If you’ve been dreaming of the perfect getaway, then why not make it a reality? It doesn’t have to be any time soon, but you can start planning right now!

We all need a break from time to time, and sometimes, you’ve just got to get away. When you feel the itch for travel, it’s time to sit down and figure out how you’re going to make your trip the most unforgettable one yet.

Here are some tips for the planning stage of your vacation.

Get Planning

It’s never too early to start planning! You only get a certain amount of time off each year, so it makes sense to put the time into the planning stage to ensure your vacation goes perfectly.

This stage can be a little stressful, but it’s much worse if you leave it to the last minute, so get it out the way. Once you’ve got everything organized, then you can sit back and look forward to your vacation.

Put Your Finances Together

The perfect getaway doesn’t come cheap, so it’s a great idea to start putting money aside now. The more you can save, the more amazing things you will be able to do during your vacation.

If you’re a little short, then you can always get quick cash car title loans Cape Coral FL strategies. However, if you start saving now, then you’ll give yourself the best chance of having all the money you need ready for the trip.

Take the Road Less Travelled

There’s so much to see out there, so get off the beaten path and discover something new.

A great way to do this is to put into your flight search “anywhere will do” and just see what comes up. Not only will you get some great deals, but you may well find you discover an amazing place you never would have considered.

Sometimes it’s nice to go somewhere familiar, but there are other times when it’s nice to explore, so get out and see the world by taking the road less travelled.

Invest in Memories

When you look back on your vacation years from now, it’s going to be those special memories you remember. You can’t beat spending time with loved ones, exploring new things, and doing the activities you all love.

This is the perfect opportunity to strengthen bonds and simply enjoy each other’s company. Make the most of it by making sure you’re investing in memories so you have plenty to bring home with you.

Remember to Relax and Enjoy

It’s easy to get caught up in making sure everything runs smoothly and forget to actually relax and enjoy your vacation. Make sure this doesn’t happen to you, and that you’re taking time to rest and recuperate.

You’ve worked hard to organize this trip, and you deserve to enjoy it, so put your feet up and make the most of it. You’ve done all the hard work planning and organizing, so it should all run smoothly.