Candy Keane's Blog, page 94

How Regular Maintenance Can Save You Money on Home Repairs

Homeownership is expensive. However, there is a lot that can be done to save money and to make it a lot less expensive to own a home. Maintenance is something that every homeowner should do to make sure they can save as much money as possible. Some of the ways maintenance can help include the following. 

Prevent Potential Future Repairs

Over time, different components in the home will wear out. Major parts of the home, like the roof, will wear out over time and start to be less effective, which can lead to even more damage to the home. By having inspections done regularly and keeping up with maintenance, homeowners can keep these components in great shape for as long as possible, so they don’t have to have them replaced as often. Experts like those at Wildwood Roofing and Construction can help with inspections and maintenance. 

Ensure Everything Keeps Working Properly

When certain things inside the home break down, they can be expensive to repair. The plumbing can get a clog, which can lead to damaged pipes, flooding inside the home, water damage, and more. Instead, if maintenance is done regularly, the clogs are detected and removed early. This means they won’t get worse to the point of causing further damage and the pipes will continue to work as expected. Maintenance throughout the house can help to keep everything working as expected, including the plumbing. 

Plan Ahead for Larger Repairs

Eventually, some parts of the home will need to be repaired or replaced. Things like the roof will only last so long before they need to be replaced to keep them in good condition and everything working as expected. Eventually, flooring, plumbing, and more may need to be replaced, too. Though maintenance can help things last as long as possible, they may need to be replaced eventually whether it’s to upgrade them to something that works better or to improve the look of the home. It’s easier to save for these things when less money is used on repairs. Plus, since the parts will last as long as possible, homeowners will have a lot more time to save up for the necessary repairs. 

Protect the Home from Damage

When repairs aren’t done in a timely manner, they can end up causing far more damage. Homeowners who put off maintenance and repairs may find they have water damage or other issues in their home and it’s going to be far more expensive to fix the issue in the long run. Failing to do maintenance can mean homeowners end up having to spend a lot of money to fix water damage, replace the damaged parts of the home, and renovate the home to get everything back in shape again. Maintenance means damage is found while it’s still small and easy to fix, saving homeowners money. 

If you’re looking for ways to save money on the cost of owning a home, maintenance is key. It can help you to save money in numerous areas and reduce how much it will cost to keep up with everything in the home. It’ll help prevent major damage, help parts of the home last longer, and more. Talk to the experts to schedule key maintenance services today and to learn more about just how much money you can save. 

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Ethique Shampoo Bars: How This Shampoo Bar for Hair Changes the Game for You and the Planet!

If you want to revolutionize your hair routine and do something good for the environment, use a shampoo bar. You get to wash your hair (a positive) with a bar shampoo made with natural ingredients that will trigger healthy hair without harming the environment, like regular shampoo (a negative). It’s a win-win!  And there’s no better shampoo bars than Ethique shampoo bars. They are safe for your hair and the environment!

Why Switch to Shampoo Bars?

If you think a shampoo bar is just a gimmick to hit the market, we are here to say differently. Not only has the shampoo bar become the new star of hair care, but it also fits perfectly into your hair routine without making a not-so-great impact on the planet. In other words, a no-brainer. These nifty shampoo bars are cleaner (i.e., ideally made with all-natural clean ingredients, all those eco-friendly enthusiasts and those with sensitive skins get all the good bits of shampoo, like having clean and well-taken care of hair. Plus, these bars last for eons–okay, maybe not eons, but for a very long time!

Why Ethique Stands Out

With shampoo bars, Ethique is the creme de la creme! Here’s why you’ll want to add their awesome shampoo bars to your next order:

Eco-responsible: Ethique prides itself on practicing what it preaches. That’s why every shampoo bar is made with minimal, biodegradable packaging, and more than 4 million plastic bottles have been saved from landfills. So, treat your tresses while saving the planet! It’s a win-win.

Premium Ingredients: Ethique does not skimp on the ingredients mixed into these bars. From nourishing natural oils to juicy plant butter and more, these bars are full of hair-friendly ingredients and free from parabens, sulfates, and other nasties!

Options For Everyone: Do you have curly or straight hair? Maybe you have to fight the frizz demon when it comes to your hair! Ethique has you covered with a bar for every hair type.

Suds to Savor: One common complaint about shampoo bars is that they don’t suds well. Well, that’s not the case here, friends! A few swipes with the bar are all you need to build up a nice lather that makes hair-washing day fun and an oh-so-fresh feeling.

So Portable: For the globe trotters, you have found a shampoo that is easy to carry, great for airport check-in, and easy to fit anywhere!

Cruelty-Free Fans Rejoice: This is a great choice for any conscious consumer. Ethique shampoo bars are never tested on animals and are vegan. We love how easy it is to use your buying power to encourage better (healthy hair) products!

Incredibly Effective: What really sets these bars apart is their effectiveness. Many appreciate how they give hair a deep clean that doesn’t leave it feeling stripped. They also like that hair appears healthier, shinier, fuller, and lighter!

Ready to Make the Change?

Skip the chemicals altogether; go straight to Ethique’s range of shampoo bars and do your hair and the earth a favor. It’s a quest toward having great hair and safeguarding the environment in one purchase! If you’re ready to play your part in making beauty sustainable, then Ethique shampoo bars are your dream come true. Gorgeous, healthy hair? Check. Less damage to the planet? Check. Simply put, your hair plus Ethique shampoo bars is a win-win situation.

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The Psychology of Trading: How to Maintain Discipline with Forex Robots

Trading in the forex market requires more than just technical knowledge; it also involves understanding your own psychology. Emotions like fear and greed can significantly affect trading decisions. For traders using automated trading solutions or Expert Advisors (EAs), maintaining discipline is essential for success. In this article, we will explore the psychology of trading and offer tips on how to stay disciplined when using forex robots.

Understanding Trading Psychology

Trading psychology refers to the emotions and mental states that influence trading decisions. Understanding this aspect of trading is crucial because emotions can lead to impulsive actions. Common psychological factors that affect traders include:

Fear: Fear of losing money can prevent traders from executing profitable trades. This fear often leads to missed opportunities.Greed: On the flip side, greed can drive traders to take excessive risks in pursuit of higher profits. This can result in significant losses.Overconfidence: Some traders become overconfident after a series of successful trades. This can lead to reckless decisions and increased risk-taking.Why Discipline Matters

Discipline is essential in trading for several reasons:

Consistency: Maintaining discipline helps traders stick to their trading plan. This consistency is crucial for long-term success in forex trading.Risk Management: A disciplined trader is more likely to follow risk management rules, such as setting stop-loss and take-profit levels. This helps protect capital.Emotional Control: Discipline allows traders to manage their emotions effectively. By staying calm and objective, traders can make better decisions.Tips for Maintaining Discipline with Forex RobotsSet Clear Goals: Establish specific and realistic trading goals. This helps you stay focused and gives you a clear direction for your trading.Follow a Trading Plan: Create a comprehensive trading plan that outlines your strategy, risk management rules, and performance metrics. Stick to this plan when trading with your forex robot.Limit Overtrading: Avoid the temptation to trade excessively. Overtrading can lead to emotional exhaustion and poor decision-making. Set limits on the number of trades your robot can execute within a certain time frame.Regularly Review Performance: Monitor your robot’s performance regularly. Analyze its trades and assess whether it is meeting your goals. This will help you stay informed and make necessary adjustments.Take Breaks: Trading can be intense, and emotions can run high. Take breaks to recharge and regain perspective. Stepping away from the screen can help you avoid impulsive decisions.Focus on the Process, Not Just Profits: Shift your focus from immediate profits to the overall trading process. This mindset encourages discipline and patience, reducing the impact of short-term emotions.Limit News Exposure: While staying informed is important, excessive exposure to market news can trigger emotional reactions. Limit your consumption of news that may lead to anxiety or impulsive decisions.Practice Mindfulness: Incorporating mindfulness techniques can help manage stress and improve emotional control. Techniques such as deep breathing or meditation can help you stay calm during challenging trading situations.Learn from Mistakes: Embrace mistakes as learning opportunities. Analyze what went wrong and adjust your strategies accordingly. This approach fosters a growth mindset and encourages discipline.Seek Support: Joining a trading community or finding a mentor can provide valuable support. Sharing experiences with others can help you stay accountable and disciplined.Conclusion

The psychology of trading plays a significant role in determining success in the forex market. For traders using forex robots, maintaining discipline is essential. By understanding the psychological factors that influence trading decisions and implementing effective strategies, you can improve your trading performance. Remember that trading is a journey, and cultivating discipline is key to long-term success.

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How to Fix Old Photos for Your Family Album

We all know how precious family photos are — those nostalgic snapshots that tell the story of our loved ones and hold onto our most cherished memories. 

Whether it’s faded pictures of Grandma’s wedding day or snapshots of long-gone childhoods, these images are treasures we all want to keep for years to come. But as time goes by, our beloved photos can become yellowed, torn, or faded. Don’t worry! 

Below you’ll find out how to fix old pictures in 3 ways and breathe new life into these old gems to keep the family history alive.

1. Do Manual Restoration

If you’re up for a bit of DIY, manual restoration might be the perfect choice for you. This method involves physically repairing and cleaning damaged photographs using various tools and techniques — repairing tears with archival tape and touching up faded areas with photo-safe pens or markers. It’s a budget-friendly option, especially if you already have some basic supplies at home. 

Just keep in mind that this process can be quite time-consuming and might require some patience. Plus, there’s a risk of causing more damage without proper techniques or experience. This method may also not fully address issues like color fading or significant digital damage, leaving some imperfections unfixed.

Pros:

Cost-effectiveHands-on and personal

Cons:

Time-consuming Risk of causing further damageLimited repair capabilities2. Use PhotoGlory Software

Digital restoration is generally faster than manual methods. So, if you have a large collection of old photos, get yourself PhotoGlory — its batch mode lets you process multiple images in one go. This software also offers a comprehensive set of digital tools designed specifically for photo restoration. You can scan old photos directly in the program and then use its features to repair and enhance them. 

Functions such as color correction, dust and scratch removal, and image sharpening help in reviving the clarity and vibrancy of the original images. These tools can significantly improve the quality of old photos automatically thanks to the neural network. PhotoGlory is particularly useful for those who prefer a digital approach and are comfortable using technology to achieve high-quality restorations. 

With PhotoGlory’s intuitive interface, even those without extensive photo editing experience can achieve professional results. Tutorials on the official website and built-in prompts make it easy to learn the software’s features. You can try PhotoGlory for free, but the full suite of features comes with a cost. This can be a barrier if you’re working with a tight budget, but it’s still much cheaper than going to a photo restoration studio.

Pros:

Batch mode and automatic features for time efficiencyAdvanced image retouching and coloring toolsUser-friendly workflow

Cons:

Not all features are available in the free trial3. Seek Professional Studio Services

Last but not least is to fix old pictures in one of the professional photo restoration studios. They offer expert services to repair and enhance old photographs. These studios employ skilled technicians who use advanced equipment and techniques to address various types of damage, from minor scratches to severe discoloration that may be difficult to fix on your own. 

Professional services are ideal for those who want high-quality results without having to invest time in learning restoration techniques themselves. Outsourcing the work to a studio allows you to focus on other aspects of preserving your family’s history.

Depending on the studio’s workload, it may take several weeks or even months to complete the restoration, which could be a drawback if you need the photos urgently. Plus, it’s the most expensive option among other methods. The cost may vary based on the extent of the damage and the level of restoration required.

Pros:

Expertise and precision of retouching expertsConvenience in terms of your time and effort

Cons:

More expensive than DIY or software solutionsLonger turnaround timeConclusion

Each method of photo restoration has its benefits and challenges. Whether you decide to fix old photos yourself, use specialized software such as PhotoGlory, or hire a professional studio, the important thing is to do the work carefully and thoughtfully. If you need a step-by-step guide to fixing old photos for any skill level, simply follow the link. 

Keep in mind that when you save your photos through restoration, you preserve more than just images. You also preserve the life and color of your family’s history through the years.

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8 Must-Visit Shops in Jewel Changi for Last-Minute Souvenir Shopping

One of the things Singapore is known for is its incredible shopping scene. The Lion City boasts quite a number of shopping malls and each one features a diverse range of shops that cater to the unique needs and interests of every type of traveler.

However, if you’re looking for a mall where you can shop for gifts last minute, Jewel Changi is your best option. Not only does this complex house several local and international shops, but it’s also connected to the airport. Thus, it’s the most convenient place to shop before your flight.

To make the most of your Singapore airport shopping experience, here are some of the best stores you should check if you’re looking for awesome souvenirs:

Action City

Looking for playful, quirky, and creative gifts for your loved ones back home? Then Action City is a must-visit. This shop specializes in collectable toys, lifestyle products, and pop-culture-inspired items. With an array of products that appeal to both children and adults, Action City offers a fun, engaging shopping experience for those looking to bring back a unique memento. Some of the store’s popular souvenirs include figurines, keychains, and limited-edition models of beloved cartoon characters. 

Beanfolks by Lemuel Chocolate

Beanfolks by Lemuel Chocolate offers an artisanal, bean-to-bar chocolate experience that’s hard to pass up. The shop is renowned for its dedication to high-quality cocoa beans sourced directly from plantations around the world. Every bar of chocolate is crafted with care, offering travelers a taste of something truly special. Their best-selling items are beautifully packaged single-origin chocolate bars, each highlighting different cocoa profiles.

Bee Cheng Hiang

No visit to Singapore would be complete without sampling the products of the iconic Bee Cheng Hiang. Famous for its bak kwa (barbecued pork slices), Bee Cheng Hiang has been a favourite among locals and tourists alike for decades. In addition to their bak kwa, the store also sells gourmet sausages, pork floss, and various snack packs that are ideal for sharing. With a Bee Cheng Hiang outlet at Jewel Changi, picking up one of Singapore’s most beloved snacks has never been more convenient. 

Gift by Changi Airport

Gift by Changi Airport is a one-stop destination for travelers seeking unique souvenirs that celebrate the spirit of Singapore. This shop offers a carefully selected range of gifts and memorabilia, each inspired by the culture and heritage of the Lion City. Some popular souvenirs from Gift by Changi Airport include Singapore-themed tote bags, keychains, and quirky home décor items. Whether you’re after a small token to remind you of your trip or a distinctive gift for a loved one, this store has you covered.

I Love SG

As the name suggests, I Love SG is a store dedicated to all things Singaporean. It offers an array of souvenirs that feature the country’s most iconic symbols and attractions, from Merlion figurines to Marina Bay Sands replicas. Some popular items you might want to pick up from I Love SG include t-shirts emblazoned with “I Love SG” logos, Singapore-themed magnets, and miniature replicas of the city’s famous landmarks. For a fun and practical souvenir, however, consider their selection of tote bags, mugs, and stationery featuring local icons.

Kee Wah Bakery

If you want to take home a handful of traditional Chinese baked goods, you should not miss Kee Wah Bakery. This bakery chain is famed for its delicate, handcrafted pastries, which make excellent edible souvenirs. Kee Wah offers a taste of both traditional and modern Chinese baking, perfect for those looking to take home authentic flavors from their trip. Popular souvenirs from Kee Wah include their signature mooncakes, which are beautifully packaged and ideal for gifting during festivals or special occasions. You’ll also find pineapple shortcakes, almond cookies, and egg rolls, all of which are baked fresh and packable for long journeys.

Kim’s Duet

If you want to share Singapore’s iconic coffee and tea culture with your friends and family back home, Kim’s Duet offers the perfect souvenirs. This local brand is renowned for its traditional kopi (coffee) and teh (tea) blends, which capture the authentic flavors found in Singaporean kopitiams (coffee shops).  Popular items from Kim’s Duet include their instant kopi and teh sachets, which are perfect for recreating Singapore’s classic beverages wherever you are. These easy-to-pack mixes make thoughtful gifts for coffee and tea enthusiasts, allowing them to experience a bit of Singaporean daily life with every sip. 

Kwong Cheong Thye

Kwong Cheong Thye is a heritage brand known for its high-quality sauces, noodles, and traditional Chinese condiments. The majority of its products are staples in Singaporean cooking, so if you want to recreate Singaporean dishes in your own kitchen, stopping by the Kwong Cheong Thye Jewel Changi branch is a good idea. Popular items for souvenir shopping include their iconic Hainanese chicken rice chili sauce, XO sauce, and ready-to-cook premium noodle packs.

Whether you’re on a tight schedule or simply looking for the perfect keepsake, Jewel Changi has a diverse range of shops to satisfy any last-minute souvenir hunt. With these must-visit spots, you can definitely get souvenirs that capture the essence of Singapore and share it with your friends and family.

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Raising Awareness About Childhood Obesity: What Parents Need to Know

Childhood obesity has become a pressing global health concern, with the prevalence of this condition rising at an alarming rate in recent years. According to an article published by the World Health Organization (WHO) in 2022 mentioned that the number of overweight or obese children under the age of 5 has increased significantly. In addition, 2017 to 2020 data from the Centers for Disease Control and Prevention (CDC) reveals that around 14.7 million children and adolescents in the United States were classified as obese. Given this information, it seems that this growing epidemic shows no signs of slowing down. 

Thus, in an effort to prevent this disease from affecting more children, September was proclaimed as National Childhood Obesity Awareness Month by then-president, President Obama back in 2015. During this month, healthcare centers, organizations, and even schools find ways to spread awareness of this disease. This can be something as simple as giving away fabric wristbands as a sign of support and solidarity or something as grand as hosting a family sports day. 

One effective approach is to help parents better understand the disease and educate them about the underlying factors contributing to the issue. Here are some things parents need to know about childhood obesity:

This Disease Is Complex and Is Influenced by Several Factors

Childhood obesity is far more complex than simply consuming too many calories. It’s a multifaceted disease influenced by a range of factors. Genetics, for instance, plays a role in how a child’s body stores and uses fat. This means that some children are predisposed to gaining weight more easily than others. Environmental factors, such as access to healthy food options, on the other hand, are also crucial in shaping children’s habits. For example, communities located in food deserts—areas with limited access to affordable, nutritious foods—make it challenging for families to make healthy choices. 

Additionally, the influence of social factors, such as family dynamics and socioeconomic status, cannot be overlooked. Children from lower-income families are more likely to experience food insecurity, which can lead to overconsumption of unhealthy, calorie-dense foods.

Children Who Are Obese Are at a Higher Risk of Developing Chronic Health Conditions and Diseases

One of the most alarming consequences of childhood obesity is the increased risk of developing various chronic health conditions. Children who are obese are more likely to face serious medical issues, such as type 2 diabetes, high blood pressure, and high cholesterol. These health issues can start developing at a young age and may worsen over time if not addressed. Early onset of these conditions places children at a greater risk for cardiovascular diseases, stroke, and even premature death upon reaching adulthood.

Obesity can also impact a child’s respiratory health. Conditions like asthma and sleep apnea are more common in obese children, leading to difficulties in breathing and poor sleep quality. What’s more, this disease can take a toll on musculoskeletal health, with many children experiencing joint problems or even early signs of orthopedic conditions such as osteoarthritis. The combination of these health issues can significantly affect a child’s quality of life and overall well-being.

The Disease Can Be Detrimental to a Child’s Mental and Emotional Health

The effects of obesity can significantly impact a child’s mental and emotional well-being, as well. Children who are obese often face social stigma, bullying, and discrimination from peers, which can lead to feelings of isolation and low self-esteem. This social pressure can create a vicious cycle, where emotional distress leads to unhealthy eating habits as a form of coping. Research has shown that obese children are more likely to experience anxiety, depression, and body dissatisfaction, which can persist into adolescence and adulthood. 

Moreover, the emotional toll of obesity can affect academic performance and social interactions. Children may struggle with concentration in school due to health-related issues or emotional distress, potentially hindering their educational progress. They might also withdraw from social activities, leading to further isolation and a lack of friendships. Therefore, addressing the physical, mental, and emotional health aspects of childhood obesity is critical. Parents can promote healthy eating habits, encourage physical activity, and support their mental health needs to create an environment that fosters healthy habits and emotional resilience in children.

Weight Loss Isn’t Ideal When Treating Childhood Obesity

Although it might seem logical to focus on weight loss when addressing childhood obesity, this approach can be problematic. Unlike adults, children are still growing, and drastic weight loss can interfere with their physical development. Rather than focusing on losing weight, healthcare professionals recommend promoting healthy growth patterns, where the child’s height and weight align in a healthier proportion over time. This method, known as weight maintenance or “growing into their weight,” allows children to reach a healthier body mass index (BMI) without the risks associated with extreme calorie restriction or dieting.

Prevention Is Possible with Early Support

Parents play the most crucial role in preventing childhood obesity, and early support can make all the difference. From a young age, children learn behaviors and habits from the adults around them. Thus, it’s essential for parents to model healthy choices and create a home environment that promotes overall well-being. 

One of the first steps is ensuring that children have access to nutritious, balanced meals. This means incorporating a variety of fruits, vegetables, whole grains, and lean proteins into family meals while limiting sugary snacks, fast food, and processed items. Introducing these foods early helps children develop a taste for healthier options, which can set a foundation for lifelong eating habits.

In addition to healthy eating, physical activity should be a regular part of a child’s day. Parents can encourage active play by spending time outdoors, playing sports, or engaging in fun, movement-based activities as a family. Reducing sedentary behaviors, like excessive screen time on phones, tablets, and TVs, is equally important. Setting limits on screen time and encouraging outdoor play or creative, physical indoor activities can help children stay active. Finally, creating an open and supportive atmosphere at home can help children feel comfortable with discussing any concerns they may have about their bodies or health. Encouragement and support, rather than criticism or pressure about weight, can motivate children to adopt healthy behaviors. 

As rates of obesity continue to rise globally, parents must take proactive measures to support their children in developing healthy habits. With the information provided in this article, parents can make informed decisions that promote healthier lifestyles for their kids and mitigate the effects of this epidemic.

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The Hidden Costs of Timeshare Ownership Every Mom Should Know About

We all dream of those perfect family vacations, and timeshare ownership often seems like the ideal solution. The promise of a guaranteed getaway spot can be incredibly tempting, especially for busy moms looking to create lasting memories with their kids. However, beneath the glossy brochures and sales pitches, there are hidden costs that can turn this dream into a financial nightmare.

Let’s dive into the less-talked-about expenses associated with timeshare ownership. From unexpected maintenance fees to the challenge of reselling, these hidden costs can quickly add up, leaving us with more stress than relaxation. It’s crucial to understand these pitfalls before making a commitment that could impact our family’s finances for years to come. Sometimes, the best vacation might not even involve family travel, offering a different perspective on how we approach our time off and family dynamics.

Understanding Timeshare Ownership

Timeshare ownership seems like an affordable vacation option at first glance. By splitting property costs, families can enjoy luxury accommodations without the full expense of outright ownership. However, many financial aspects require close scrutiny.

Timeshares are typically sold as either fixed or floating weeks, giving some flexibility in vacation planning. Fixed weeks mean the same week each year, while floating weeks offer a range of dates. Another factor to consider is the points-based system, which provides the option to choose different locations and times, depending on point availability. For owners who feel constrained by these systems and want more freedom, exploring options to cancel Wyndham Timeshare can be a viable way to exit these commitments and regain control over vacation planning.

Yet, owning a timeshare isn’t as simple as it sounds. Financing a timeshare often involves high-interest loans, sometimes approaching 17.99%, which significantly raises the overall cost. Moreover, annual maintenance fees cover essentials like landscaping, cleaning, and upkeep of shared amenities. These fees tend to rise over time, often exceeding inflation rates, and payment is due regardless of timeshare usage.

Understanding these aspects of timeshare ownership helps us anticipate ongoing costs and potential financial pitfalls. By being aware, especially as moms managing family finances, we can make more informed decisions.

The Initial Purchase Price

The allure of timeshare ownership can be strong, especially when it seems like an affordable solution for family vacations. The initial cost of a timeshare might seem manageable, but it’s only the beginning of financial commitments. The purchase price varies widely, often based on location, property type, and the season of use.

Hidden Fees and Charges

Owning a timeshare comes with several hidden fees and charges that many may not anticipate. One of the most significant is the maintenance fee. These fees, often charged annually or monthly, cover the upkeep and management of the property. Not accounting for this could lead to unexpected financial strain.

Financing the Purchase

Financing a timeshare purchase can be expensive. Loans for timeshares often come with high-interest rates, sometimes reaching up to 17.99%. This significantly increases the total cost of ownership over time. Understanding these financial implications is essential before committing.

Ongoing Maintenance Fees

One of the most substantial and ongoing costs of timeshare ownership is the annual maintenance fee. These fees cover the upkeep and maintenance of the property, including expenses such as landscaping, repairs, and management. Maintenance fees can vary widely depending on the resort and the size of the timeshare unit, typically ranging from a few hundred to several thousand dollars per year. These fees are usually charged annually or monthly and are intended to cover the day-to-day operations of the property. However, they tend to increase over time, often at a rate higher than inflation. Over a 20-year period, these fees can add up significantly.

Assessment Increases

An often-overlooked aspect of timeshare ownership is assessment increases. Resorts can raise fees to cover unforeseen expenses, leading to unexpected financial burdens for owners.

Special Assessments

Special assessments are additional charges levied on owners for major repairs or upgrades. These can be substantial and are typically required in a short period, adding another layer of financial strain.

Exchange Fees and Limitations

When exploring timeshare ownership, one crucial aspect to consider is the cost associated with exchange programs. These programs offer the convenience of trading vacation weeks or points for stays at other resorts, but they come with additional financial obligations.

Exchange Program Costs

Timeshare owners often participate in exchange programs, enabling them to trade their designated vacation weeks or points for stays at other resorts. However, this convenience comes at a price.

Membership Fees: Joining an exchange program typically requires paying a membership fee, which might be an annual or one-time charge.Transaction Fees: Each exchange incurs a transaction fee, varying by program and exchange location.Limited Availability and Flexibility

Even with an exchange program, availability can be constrained. High-demand locations and peak seasons might not have open slots, limiting the flexibility timeshare owners can expect. This can be particularly frustrating for families planning around school holidays and work schedules.

Understanding these costs and limitations helps in making informed decisions about timeshare ownership, ensuring that the dream vacation doesn’t turn into an unexpected financial strain.

Resale Challenges

When considering timeshare ownership, it’s essential to understand the obstacles in the resale market, which can impact long-term financial planning.

Difficulty in Reselling

The market for timeshares is oversaturated with unsold properties, making it hard to find buyers. This high supply often means owners must sell at a loss, significantly impacting any potential returns.

Depreciation of Timeshare Value

Timeshares typically lose value over time, much like cars. As soon as the purchase is finalized, the resale value starts to decline, making it difficult to recover the initial investment.

High Broker and Resale Fees

Reselling a timeshare usually involves substantial broker and resale fees. These fees can erode any profits, adding to the financial burden and making it even more challenging to exit a timeshare contract.

Legal and Administrative Costs

Timeshare ownership often surprises families with significant hidden expenses. Understanding these financial obligations is crucial for managing household budgets effectively.

Closing Costs

Closing costs include miscellaneous expenses incurred during the purchase process. These generally cover title searches, document preparation, and recording fees. Buyers may feel a hefty surprise without prior knowledge of these charges.

Legal and Transfer Fees

Legal fees arise when preparing and processing documentation. Transfer fees apply when ownership changes hands. These fees can accumulate quickly, becoming an unexpected financial burden for many families.

Maintenance Fees

Annual maintenance fees for timeshare ownership cover property upkeep. These include landscaping, repairs, and management. Such fees tend to increase over time, impacting budgets, and are mandatory regardless of property usage. For example, a family not using the timeshare still pays these fees.

Special Assessment Fees

Owners face special assessment fees for unexpected costs like major repairs or renovations. Natural disasters can also trigger these fees. Their unpredictability makes them a significant financial strain, often hitting families hard during unexpected moments.

Property Taxes

Annual property taxes are another timeshare-associated cost. These fluctuate based on local tax rates, making budgeting challenging. Unlike primary residence taxes, these are not deductible, adding a financial layer owners must consider.

Understanding these hidden costs equips moms and families to make informed decisions, ensuring that the dream vacation doesn’t become a financial pitfall.

Conclusion

Timeshare ownership can seem like an attractive option for family vacations, especially for busy moms looking to create lasting memories. However, the hidden costs and financial pitfalls can quickly turn this dream into a burden. From unexpected maintenance fees to the challenges of reselling, these factors can significantly impact our family’s finances.

It’s crucial to fully understand all potential costs and commitments before diving into a timeshare. By being well-informed, we can make better decisions and avoid turning our dream vacations into financial stressors. Let’s prioritize our family’s financial health and explore all our options carefully.

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RYZE Mushroom Coffee Taste Test and Review

You may have heard of the latest health buzz involving adaptogenic mushrooms and wonder what exactly that might taste like in your coffee and whether products like Ryze Mushroom Coffee are legit. I’ve been drinking it for the past couple weeks and am going to share my thoughts on the taste, effects and possible benefits of mushroom coffee.

Click here to try RYZE and save 15% with code CANDYKEANE15

*Please note, I am not a doctor, just a coffee drinker and RYZE recommends checking with your physician before starting any new supplement. I was provided this coffee free to sample and links are affiliate links.

RYZE Mushroom CoffeeIs Mushroom Coffee Good for You?

First, let’s cover why you might want to drink mushroom coffee. RYZE’s goal is to create daily healthy rituals that address your physical and mental well-being, and one of the easiest ways to do that is to combine it with your morning coffee.

The RYZE Mushroom Coffee blend includes Cordyceps, Lion’s Mane, Reishi, Shiitake, Turkey Tail, King Trumpet mushrooms, plus Organic Arabica Coffee, Organic MCT Oil, and Organic Coconut Milk.

Each one of these mushrooms has specific potential health benefits addressing energy, focus, stress relief and gut health. Mushrooms have been studied throughout history for their beneficial effects on health and possible prevention and treatment of health conditions.

RYZE Mushroom Coffee makes it easy to incorporate these healthy mushrooms into your day by mixing just a tablespoon of powder with hot water. You can also use it to make shakes, chia, lattes and other delicious drinks.

Click here to try RYZE and save 15% with code CANDYKEANE15

What Does RYZE Mushroom Coffee Taste Like?

You might be wondering what RYZE mushroom coffee tastes like, and I’m here to give an honest answer: It tastes like coffee with a bit of an earthy taste and smell.

I wouldn’t say it tastes like mushrooms, but it does have a distinctly earthy flavor, even when I add cream and sugar. The taste is not bad, but it wasn’t easy to drink first thing in the morning when I’m extra sensitive to smells and tastes.

The best option for me is to drink it in the afternoon, when I hit the 3PM slump and feel like I need a little boost. I usually avoid coffee later in the day because it keeps me up at night, but RYZE contains half the caffeine as a normal cup of coffee so it did not give me the jitters or affect my sleep.

The instructions suggest having 1-2 cups daily for maximum benefits. What I like to do is fill my coffee pot with water, but not add coffee, so it runs through and just heats up a pot of hot water. You can use a kettle of course, but I don’t have one, so I improvise.

Confession: Sometimes I run it through with my leftover coffee grounds from that morning, so I get a little more coffee flavor without a lot of extra caffeine.

How does RYZE Make You Feel?

A cup of RYZE Mushroom Coffee leaves me feeling alert and focused, which I really like. It doesn’t give me the jittery feeling I sometimes get some too much caffeine.

As far as the health benefits of gut health and immunity – I can’t really evaluate those effects as easily. I will say that it does not negatively affect my stomach the way too much coffee sometimes does. I feel like it is easier on my stomach and digestion than regular coffee.

Overall, I really enjoy drinking RYZE due to the immediate boost and possible long-term mushroom derived benefits. Each serving has 2000 MG of adaptogenic mushrooms, which is more than I could ever eat in a day.

Adaptogenic refers to substances, typically herbs or mushrooms, that help the body adapt to stress and restore balance. Adaptogens work by supporting the body’s ability to resist physical, emotional, and environmental stressors. They also help regulate various physiological processes, promoting a state of equilibrium.

Rather than targeting a specific symptom, adaptogens work holistically to boost resilience, improve energy, reduce fatigue, and enhance overall well-being.

Click here to try RYZE and save 15% with code CANDYKEANE15

Mushroom FairyWhat Are the Benefits of the Mushroom Blend?

Each mushroom for RYZE Mushroom Coffee was chosen for its specific possible benefits. The six mushrooms included are: Cordyceps, Lion’s Mane, Reishi, Shiitake, Turkey Tail and King Trumpet.

Each of these mushrooms has distinct health benefits rooted in their unique properties:

1. Cordyceps

Cordyceps is known for boosting energy and stamina. It’s often used to improve athletic performance and combat fatigue by increasing the body’s production of ATP (adenosine triphosphate), which is essential for delivering energy to muscles. Cordyceps may also support respiratory health and enhance oxygen utilization, making it popular for endurance training. Additionally, it has potential anti-aging and anti-inflammatory benefits.

2. Lion’s Mane

Lion’s Mane is a powerful mushroom for brain health. It stimulates the production of nerve growth factor (NGF), which is crucial for the growth, maintenance, and repair of nerve cells. This makes Lion’s Mane beneficial for improving cognitive function, memory, and focus. It may also have neuroprotective effects, possibly helping to reduce the risk of neurodegenerative conditions like Alzheimer’s and dementia.

3. Reishi

Reishi is revered for its calming and immune-boosting properties. It’s often referred to as the “mushroom of immortality” due to its ability to reduce stress, promote relaxation, and support restful sleep. Reishi has been studied for its potential to enhance the immune system, reduce inflammation, and support heart health by lowering blood pressure and cholesterol levels. Its adaptogenic properties also make it useful for overall stress management.

4. Shiitake

Shiitake mushrooms are well-known for their ability to support heart health. They contain compounds that can lower cholesterol and improve circulation. Shiitake mushrooms are rich in polysaccharides like lentinan, which may help enhance the immune system and fight off infections. Additionally, they contain antioxidants that protect cells from damage and support overall well-being.

5. Turkey Tail

Turkey Tail is prized for its powerful immune-boosting properties. It contains polysaccharide-K (PSK) and polysaccharopeptide (PSP), which have been researched for their role in stimulating immune cells and enhancing the body’s ability to fight off infections and certain types of cancer. Turkey Tail may also improve gut health by promoting a healthy balance of beneficial gut bacteria, as it is a good source of prebiotics.

6. King Trumpet

King Trumpet, also known as King Oyster mushroom, is rich in antioxidants like ergothioneine, which help reduce oxidative stress and inflammation in the body. It has been studied for its potential to lower cholesterol levels and support cardiovascular health. King Trumpet mushrooms are also a good source of fiber, promoting digestive health and contributing to a healthy gut microbiome.

Each of these mushrooms offers unique health benefits and incorporating them into a balanced diet or supplement routine can contribute to overall wellness.

Take a Health-Conscious Coffee Break

In conclusion, RYZE Mushroom Coffee presents an easy and health-conscious way to enhance your daily coffee ritual. With its unique blend of adaptogenic mushrooms, it not only offers a flavor profile that is both earthy and enjoyable but also delivers potential benefits for energy, focus, and gut health.

Whether consumed in the morning or during that afternoon slump, RYZE provides a gentle pick-me-up without the jitters of traditional coffee. As always, it’s essential to listen to your body and consult with a healthcare professional before introducing new supplements into your routine.

Overall, if you’re looking to boost your wellness journey, RYZE Mushroom Coffee might just be the perfect addition to your cup.

Click here to try RYZE and save 15% with code CANDYKEANE15

The post RYZE Mushroom Coffee Taste Test and Review appeared first on Geek Mamas .

Tech Gifts and Experiences for Dads That Go Beyond Gadgets

The search for the perfect dad gift always feels a bit like looking for a needle in a haystack. Dads who have everything can prove to be a particularly tricky lot, especially if “everything” includes every tech gadget under the sun. So how are you supposed to impress the father figure in your life when they already own seventeen of the latest must-haves? Many experiences for dad can save the day if you don’t know what to do.

A Break from the Screen

Why not give the guy in your life something that they’ll never forget, literally? Experiences for dads abound, and they make the perfect gift every time. After all, the last thing your dad needs is another paperweight to collect dust in his office, right?

Thanks to the advent of websites like Giftory, finding experiences that Dad will appreciate is easier than ever before. Chances are that there is an adventure out there that will cater to the interests of the father in your life.

Fun and Adventure: Bonding Through Experiences

Let’s face it: as much as dads love their tech, the best way to give them a break from the screens and gadgets in their daily lives is through experiences. Can you imagine how happy he’ll be to receive a day out where he doesn’t have to listen to all of the endless pings of new notifications?

Whether he spends the day fishing or going on a local brewery tour, these experiences provide the best of both worlds in terms of enjoying time off. They will give him a chance to relax and recharge and will actually help him live in the moment without always looking at his phone. Think about how much better his break from all things tech could be if you help him step away from the screens and enjoy an experience instead of giving him more tech toys.

Learning and Growing: New Skills for Dad

Experiences are also the perfect opportunity to learn and grow. Your dad may spend all day in a stuffy office, but maybe he has always dreamed of being a coding master, a photography pro, or a five-star chef. So, why not help him do what he loves while also giving him something to share with others?

For example, with a photography class, your dad can capture family photos that look better than what his phone camera offers. Or if he would love to discover/develop a hidden talent in the kitchen, a five-star cooking class can turn him into a chef. These are the kind of experiences that show some thought as a gift-giver and provide something he values for the rest of his life.

Tech-Inspired Experiences

If your dad loves tech gadgets, you don’t need to look far for options that fit his wishes. There are experiences that offer a tech aspect but can also provide experiences to enjoy in real life. It could be virtual reality gaming, controlling drones, or pretty much anything tech and gadget–related. This allows him to satisfy his love for gadgets while also giving him something that grounds him in reality.

Create Lifelong Memories

At the end of the day, the best gifts aren’t actually things but memories. Whether you gift your dad a thrill, a chill, learning something new, or any other type of memorable experience, you know that it will stick with him long after the novelty of the latest gadget wears off. 

So, give him something new and truly memorable to last a lifetime. Gifting experiences instead of gadgets will let your dad live a little and enjoy something other than the usual. Moreover, experiences are to be shared and that’s the real secret to what makes experience gifts so great.

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Off-Season Travel: How to Score Cheap Deals on International Trips

Traveling the world doesn’t have to come with an extravagant price tag. But if you’re always chasing the sun and sightseeing during peak seasons, you’re going to pay a premium. What many don’t realize is that the adventure, the culture, and the unforgettable experiences are still there, waiting for you, even in the “off-season.” In fact, the off-season often reveals a destination’s true character, undiluted by waves of tourists. You get a raw, authentic experience, and the cherry on top? Off-season travel can save you hundreds, even thousands, of dollars.

In this guide, we’ll uncover how to take advantage of the off-season to secure the best travel deals. From selecting the perfect destination to finding affordable flights and accommodations, we’ll give you the keys to budget-savvy international trips. The best part? No compromise on quality—just smart strategies for scoring deals that make your next adventure affordable and unforgettable.

Understanding Off-Season Travel

Off-season travel isn’t just a cost-saving hack; it’s a travel philosophy. The term refers to periods when fewer tourists are visiting a destination, often because the weather isn’t at its peak or major festivals and events aren’t in full swing. But here’s the truth: what’s considered “off” for one traveler can be a golden opportunity for another.

Take Europe, for example. Many flock to Paris in summer, but the city has a different charm in winter. The crisp air, the quieter streets, and the ease of getting into top attractions without waiting in line are undeniable perks. Southeast Asia, on the other hand, might be wetter during the monsoon season, but that’s when you’ll find deeply discounted accommodations and fewer crowds—if you’re willing to embrace a little rain.

Off-season travel does come with challenges. Weather can be unpredictable, certain attractions may have limited hours, and some tourist services might be closed. The key is to weigh the benefits against these risks and prepare accordingly. Flexibility is your greatest ally when traveling off-season.

If you’re willing to adjust your expectations, you’ll find that off-season travel offers not only lower prices but also more authentic and less commercialized experiences. As you navigate this world of travel deals, it helps to know which destinations shine brightest during the off-season.

Choosing the Right Destination for Off-Season Travel

Not all places are created equal when it comes to off-season appeal. You have to strike a balance between affordability, comfort, and the kind of experience you’re seeking. Are you after beaches, bustling city life, or a cultural deep dive? Choosing the right location becomes critical.

Start by considering the weather. Some travelers thrive in cooler climates or can tolerate a few rainy days. But if you’re someone who can’t stand the idea of being stuck indoors during a downpour, avoid regions known for heavy seasonal rains, like Southeast Asia during monsoon season. On the flip side, rainy periods often mean fewer tourists, cheaper hotels, and an easier time getting into popular attractions.

Another key factor? Local events. Off-season doesn’t mean there’s nothing happening—it just means the destination is operating at a slower pace. For example, Paris in January may seem cold and gray, but it’s also a time for intimate café moments and exploring museums without the crowds. Meanwhile, Central and South American countries like Mexico and Peru offer mild weather and cultural festivals during their off-season.

If you’re open to exploring lesser-known gems, destinations like Iceland in late fall or New Zealand in early spring reveal breathtaking landscapes without the crowds—and for much less than peak-season prices. Adventure travelers might find off-season periods perfect for exploring without the rush.

Align your travel preferences with the off-season appeal of a destination, and you’ll discover a spot that surprises you with both its charm and affordability.

Booking Flights for Off-Season Travel

Flights can be the biggest travel expense, but off-season deals are abundant if you know how to look for them. Flexibility with travel dates and times is key. The best day to book international flights is typically mid-week—Tuesdays and Wednesdays often offer cheaper fares compared to weekends. Airlines drop prices during these slower booking times, which can save you a considerable amount.

Flight comparison tools like Skyscanner, Google Flights, or Momondo are essential for pinpointing the best deals. Budget airlines can also be great options, especially for shorter international trips, but always be mindful of hidden fees such as charges for checked baggage or seat selection.

Timing is crucial. For off-season travel, aim to book flights 3-6 months in advance for the best deals. However, if you’re spontaneous, last-minute deals can offer significant savings, as airlines often drop prices to fill unsold seats.

If you’ve accumulated frequent flyer miles or credit card rewards, now is the perfect time to use them. Off-season flights typically require fewer points, maximizing your savings. The best day to book international flights might just be the day you snag a deal that makes your trip more affordable.

The key is adaptability. Stay open to different dates and times, and keep an eye on fluctuating fares. When you spot a great deal, don’t hesitate—book it, and you’ll be one step closer to an unforgettable, budget-friendly adventure.

Finding Affordable Off-Season Accommodations

With flights sorted, it’s time to find where you’ll stay. Accommodations can be significantly cheaper during the off-season, making it easier to stretch your budget.

Major hotel booking sites like Booking.com and Agoda offer great filters for finding deals, but don’t overlook Airbnb and local guesthouses. In many destinations, Airbnb hosts often offer substantial discounts during off-peak times, particularly for longer stays. Staying in these non-traditional options can add a more personal, authentic touch to your experience.

Hotel loyalty programs can also stretch your budget. If you’re a member of a particular hotel chain, the off-season is when you’ll see points stretch further. Look for free nights, discounted stays, or even room upgrades. Many hotels reduce the number of points required for a stay during the off-season, offering a luxury experience at a fraction of the cost.

You can also try negotiating directly with accommodation providers. If you’re staying for several nights, reach out to the hotel or Airbnb host and ask if they can offer a better rate. During the off-season, they’re often willing to accommodate your request to fill rooms that would otherwise remain empty.

Lastly, consider staying in less touristy areas. In cities like Rome or Bangkok, neighborhoods just outside the main tourist hubs often offer much cheaper accommodations, but still keep you close to all the action.

Conclusion: Why Off-Season Travel is Worth It

In a world full of pristine Instagram photos of sun-drenched beaches and perfect tourist attractions, it’s easy to assume that off-season travel means compromising on your experience. But it’s quite the opposite. Off-season travel lets you experience a destination on your terms, without the pressures of tourist crowds or inflated prices.

You’re not fighting for a view, waiting in line for hours, or paying double for a hotel room that’s half the size. Instead, you’re uncovering the heart and soul of a place, often when locals are more relaxed and eager to share their culture with you.

And then there’s the savings. Off-season travel doesn’t just save you money; it allows you to reallocate your budget to experiences that truly matter. Whether it’s booking that fine-dining restaurant you thought was out of reach or taking a private tour, you can stretch your dollar further without sacrificing the quality of your trip.

Traveling off-season is about embracing the unexpected, from quieter streets to hidden gems waiting to be discovered. The world is full of opportunities, and many of its best deals are waiting for you if you’re willing to step outside the peak-season bubble.

So, when planning your next adventure, consider the off-season. You’ll find that it’s not just cheaper—it’s better. Pack your bags, embrace the quieter months, and get ready for a more authentic, affordable travel experience.

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