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Sleep apnea is a common sleep disorder that affects many people. It may seem to others that the person snores loudly and excessively in their sleep, when in actuality, they stop breathing for a few seconds, causing a loud sound. There are many negative side effects associated with untreated sleep apnea, but the good news is, it is a condition that can be treated by modern medicine in conjunction with […] The post Ways Sleep Apnea Costs You Money and Time appeared first on Ways to Make...
Sleep apnea is a common sleep disorder that affects many people. It may seem to others that the person snores loudly and excessively in their sleep, when in actuality, they stop breathing for a few seconds, causing a loud sound. There are many negative side effects associated with untreated sleep apnea, but the good news is, it is a condition that can be treated by modern medicine in conjunction with some effort from the patient.
What Happens When You Stop Breathing?
During the small increments you stop breathing when you have sleep apnea, the heart is deprived of oxygen. While sleep apnea deprivation lasts only a few seconds, the effects are astoundingly detrimental. This lack of oxygen increases the heart rate, and therefore blood pressure. The heart, which is a muscle, also becomes stiffer and less flexible during oxygen deprivation.
Health Problems from Sleep Apnea
Because of the oxygen deprivation, one of the leading negative side effects from sleep apnea is arrhythmias and irregular heartbeat. Leaving sleep apnea untreated for too long can also lead to hypoxia, where there is too little oxygen in the bloodstream on a permanent basis, and increased levels of inflammation in the heart. Sadly, serious cases of sleep apnea can lead to complete heart failure and death.
There are many sleep problems associated with sleep apnea. Because a person stops breathing with regularity during the night, their sleep is interrupted. This leads to bouts of restless sleep or difficulty staying asleep, or waking up too frequently. A person who has undiagnosed sleep apnea may believe that they have insomnia, costing them time and money by many doctor’s visits to help try to cure the problem. A sleep study is the best way to find out if a person has sleep apnea, and from there, it can be treated.
Difficulties During the Day
Sleep apnea can really hurt a person during their daytime activities. It’s not uncommon for a patient with the problem to sleep through their alarm, or to be excessively tired during the day, perhaps even falling asleep at their desk. Sleep apnea has cost many people thousands of dollars with negative side effects such as loss of job and wages because of an untreated problem. A person with sleep apnea also has a lot of difficulty concentrating during the day.
Headaches and Mood
In addition to sleepiness, a person with sleep apnea may have blinding headaches and mood shifts. Headaches may be so bad that the person must call off of work, and mood changes can be very tough on friends and family. It wouldn’t be uncommon for a doctor to treat migraine and depression when the problem is really sleep apnea.
The cost of untreated sleep apnea is high, and it can be treated by the patient losing weight in most cases. CPAP machines are also common for those with sleep apnea. Using one of these machines allows many to lead productive, well-rested lives, free of sleep problems.
In a perfect world, you and your spouse would have the exact same habits and ideals when it comes to spending and saving money. However, this is not a perfect world and so if you fell in love with someone who spends money freely, and you tend to be a saver, you are not the only one. It can be incredibly frustrating knowing that while you work hard to save […] The post Dealing with a Spouse’s Constant Unfrugal Behavior appeared first on Ways to Make...
In a perfect world, you and your spouse would have the exact same habits and ideals when it comes to spending and saving money. However, this is not a perfect world and so if you fell in love with someone who spends money freely, and you tend to be a saver, you are not the only one. It can be incredibly frustrating knowing that while you work hard to save your money, your spouse is off buying the latest accessory or gadget. However, the good news is that there are several ways you can get a handle on an unfrugal spouse so that you do not have to lose anymore sleep over their overspending. Altering the spending habits of your spouse may seem like too big a task to handle. However, by following these tips, you can minimize the intimidating factor of reigning in your partner’s splurging.
Talk to Your Spouse with Love
Don’t start a conversation with your spouse by pointing out all of their faults or accusing them of overspending. Even if their behavior makes you angry, doing so will only drive you two apart and make it trickier to properly communicate. Instead, delicately bring up the topic of your spouse’s spending habits. For instance, you may want to suggest watching your spending as a couple to begin the conversation. You could also mention that you would like to start saving for something big like a house or retirement. Make sure that your spouse knows you want to be a team in regards to your finances.
Get Rid of Credit Cards
Convince your spouse to put away their credit card and use cash instead to make all of their purchases. Often, you will find that over spenders tend to not think about credit as real money, and so they do not think about what happens when they run up their credit card until they get their bill. Talk to your spouse about becoming a debit-only family so that you can only spend money that you have. You may just find that his or her spending goes way down once he or she no longer feels they are not spending “real money.”
Create a Budget
If you and your spouse have not yet created a budget, then now is a better time than ever to create one together as it can help to reign in his or her spending habits. On the other hand, if you do already have one, then it may be a good time to look it over and possibly revise it. Sit down with your unfrugal spouse to determine what your combined income is and how much your expense are. If you show your wife or husband how their frivolous spending is driving your family into debt, they may be willing to get on the right spending track.
Create Goals That Are Realistic
Once you have had a heart to heart with your spouse and have created a budget, it is time to think about your financial goals in the long-term. In order to stick to your budget and work towards something, creating a long-term goal will keep both of you motivated to save instead of spend. If your family is currently in debt, then a good place to start is to establish a goal to get out of debt. Once you have done that, create a goal to build an emergency fund, save for retirement, etc.
Figure Out a Way for Your Spouse to Control Spending
If you are able to get your spouse to see that they have been overspending, then that is only the half it, as you must then also help them to get control of their spending habits. One means of doing this is to allocate a certain amount of spending money for both of you each week. It’s a good idea to put these funds into an envelope so that once you run out, you run out.
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Some things never change and never go out of fashion. However, this is not the case when it comes to retirement advice. How we retire today looks massively different than how past generations used to retire. Employees now have a broad range of new types of retirement accounts to choose from, and the economy has substantially shifted since people were retiring in the 70s up through even the 90s. If […] The post 5 Outdated Retirement Financial Tips You Should Ditch appeared first on Ways to...
Some things never change and never go out of fashion. However, this is not the case when it comes to retirement advice. How we retire today looks massively different than how past generations used to retire. Employees now have a broad range of new types of retirement accounts to choose from, and the economy has substantially shifted since people were retiring in the 70s up through even the 90s. If your hope is to retire peacefully and comfortably, then it is critical that you modernize your mindset and avoid any outdated retirement advice. Take a look at these five antique pieces of retirement advice that you should avoid at all costs.
1. 60/40 Split on Portfolio is Both Profitable and Safe
Employees have long been told that a 60/40 split on their portfolio is the best way to go. They were advised that by putting 60 percent of their available funds in stocks and then 40 percent in bonds, they would be guaranteed substantial growth while avoiding unnecessary risk, by securing their assets in low-risk investments. This made sense in the past when you could easily get between 3-5 percent on a bond portfolio. That being said, because of the low-interest environment we are in today, bonds barely accrue any interest. Instead of doing the age-old 60/40, you’ll be better served with an 80/20 to put more money in the stock market. Although some people may be wary of the risk that comes with stocks, they have historically always increased in value over a 10-year length of time.
2. Use Your Age to Determine Your Portfolio
A similarly archaic piece of advice recommends that employees determine how much they should put into stocks and bonds based on their age. With this rule, a 40-year-old would put 40 percent of his or her portfolio towards bonds and 60 towards stocks. However, this is a terrible strategy in this day and age as it does not account for how long people are living. Instead, people should keep more of their money in stocks to earn enough funds to last for at least a 30-year retirement.
3. You Can Remove 4 Percent Out of Retirement Each Year
For a long time, 4 percent was the talked about number when it came to withdrawing money from a retirement account. Retirees were told that removing 4 percent per annum would allow them to spread out their savings for the remainder of their lives. The issue is that in this day and age, retirement funds do not have steady gains every year. Instead of using this approach, a better rule of thumb is to decide on an annual basis how much money is safe to withdraw from your retirement account depending on the current market conditions.
4. Employees Should Be Given Endless Choices
With the creation of IRAs and 401(k) plans, employees were forced to take control of their retirement plans. However, many people have stalled taking action on their retirement planning because of both choice overload and procrastination. Instead of overwhelming employees with planning calculators, resources, and tools, the best thing to do is to turn the modern 401(k) into a plan more similar to the old-fashioned pensions, meaning automated enrollment of employees, as well as automatically upping their contributions. Besides this, it is best to look at retirement planning as investment planning so that employees are encouraged to do adequate research into their choices and make informed decisions.
5. Have $1 Million to Retire in Comfort
This amount of $1 million may seem like a good, round number to try to reach and may sound like an ideal amount of money to live out retirement. However, this outdated rule has a lot wrong with it. For one, $1 million isn’t the substantial sum of money that it used to be. Depending on your location, $1 million may not stretch out to between 25 and 30 years of comfortable retirement. Additionally, some Americans will find $ 1 million impossible to grasp at. Instead, attempt to save 8X the amount of your final yearly income.
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Spring break is a time to let loose and have some fun, but what if you are on a strict budget as most students are on? There are still plenty of places to hit during this most popular time of year. Check out these five under the radar, exceptionally fun destinations. 1. Beach Parties Galore If you love beach parties, look no further than South Padre Island, Texas. […] The post 5 Unique Spring Break Destinations for Students on a Budget appeared first on Ways to Make...
Spring break is a time to let loose and have some fun, but what if you are on a strict budget as most students are on? There are still plenty of places to hit during this most popular time of year. Check out these five under the radar, exceptionally fun destinations.
1. Beach Parties Galore
If you love beach parties, look no further than South Padre Island, Texas. Located on the coastal tip of Texas, you can enjoy the hottest beach parties, incredible club parties, and amazing weather at this spring break location. You will find casinos, surfing, live entertainment, and 24-hour nightlife. You can find hotel rooms as low as $55 per night or rent a condo and split the low cost, starting at just $75 per night.
2. Low Key Tourism and Beaches
If 24-hour parties are not your thing, but you still long for sandy beaches and calming waves, then Galveston, Texas has what you need. Located in the Houston metropolitan area, visitors can enjoy pretty beaches, historical sites, and plenty of shopping. The lodging here is affordable, starting at just $100 per night. As for things to do, there are plenty of activities including beach volleyball tournaments, live music on the beach, pier parties, hiking, bird watching, and plenty of museums to visit.
3. Florida Without the Cost
If Miami and Daytona Beach are not within your budget, don’t count Florida out just yet. Delray Beach, Florida gives you the best of both worlds – Florida sun and budget friendly prices. Located in the southern part of Florida, college students can enjoy activities on Juno Beach including water sports like surfing; kayaking, sunbathing, and nightlife on Delray Beach; and more relaxing beach activities on Peanut Island. You can find individual hotel rooms starting at around $100 per night or rent a condo for the week with friends starting at just $25 per night per person!
4. Sin City
Las Vegas might not have the beach life you envision for your spring break, but they have plenty of nightlife and 24-hour entertainment at a fraction of the cost of anywhere else. Catch a redeye flight to Sin City and save on airfare while staying at a hotel for as low as $75 depending on the type of hotel you like. Hotels like Hard Rock, Planet Hollywood, and Treasure Island offer incredible deals. The best news is that pool season starts in February in Vegas, which means pool/beach parties galore. If you prefer off the water nightlife, some of the hottest nightclubs are located here, including Pure at Caesars and XS at Encore. Combine the nightlife with the cheap eats you can find at the local buffets and you have the perfect spring break.
5. Lakes Rather than Oceans
If ocean life is not your thing or you cannot afford it, don’t discount the fun that can be had lakeside. Lake Havasu, Arizona is a great college spring break destination with plenty of water sports fun along with a great party scene. Located 3 hours outside of Houston, this under the radar spring break destination provides boating, incredible beach parties, and parasailing, just to name a little bit of the fun this city provides. This 24/7 party city, known as Arizona’s playground, provides a safe, yet exhilarating environment for all college students. As an added bonus, you can find hotel rooms as low as $100 per night.
Being on a budget does not mean you cannot have fun and break loose this spring break. Get your party on and enjoy yourself while you get ready to wind the year down, putting another year of college under your
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Unexpected home expenses are a reality of life. They will pop up sooner or later, but there are ways you can limit the damage they cause. If you prepare properly, there’s no reason why you can’t ensure that you pay less when all the little things go wrong. This article will show you how to go about avoiding unexpected home expenses. Maintain Your Home Properly Most unexpected home […] The post Ways to Avoid Unexpected Expenses appeared first on Ways to Make...
Unexpected home expenses are a reality of life. They will pop up sooner or later, but there are ways you can limit the damage they cause. If you prepare properly, there’s no reason why you can’t ensure that you pay less when all the little things go wrong. This article will show you how to go about avoiding unexpected home expenses.
Maintain Your Home Properly
Most unexpected home expenses happen due to problems that have been ignored. Maintaining your home properly is about conducting regular checks on both the outside and the inside. Spot problems early and fix them to avoid escalations into major problems later.
You should ideally conduct a thorough inspection of your home at the following times:
- In the spring and the autumn.
- At least once every three to six months.
- After a major weather event, such as heavy snow and storms.
Learn to Do it Yourself
One way to avoid home expenses is to learn how to solve the problems yourself. If you are in a situation where a shelf has broken or some tiles have cracked, you have two options. You can pay for expensive contractors to fix the problem, or you can fix the problem yourself. The latter can save you hundreds of dollars.
Learn how to swing a hammer around. Most local communities have classes where you can learn basic DIY skills. Of course, major problems still require the help of a professional, but you can handle small tasks by yourself.
Don’t Replace or Repair Immediately
A significant amount of money goes on simply replacing items in the home. This can really add up fast. One way to train yourself to avoid doing this is to deny yourself a replacement for a few months. Simply by becoming more responsible and vigilant you can save hundreds of dollars every year. Naturally, this doesn’t avoid the expense entirely, but it can definitely save you a lot of money.
Maintain Your Teeth
Many people don’t visit the dentist on a regular basis. This can cause a lot of issues down the road especially with tooth emergencies. These can be very costly and can really break the bank. In these cases regular visits to the dentist and having insurance can really save you money in the long run.
Tip: After you get married it is a good idea to check out your dental plans and maybe even do a family plan to save money.
Home insurance should be considered essential. When you pay for an insurance policy, you can have every unexpected expense paid for out of this central fund. Getting insurance will protect you against the bigger expenses in the long-term. It does mean an extra regular monthly payment, but you’ll generally save money by opting for insurance.
Save money on your home insurance by comparing and contrasting different insurance providers. Try not to base your decision entirely on price. Instead, look at what it covers and what sort of support the insurance company gives to you. There’s little point in taking out an insurance policy with a company that is known for not processing claims in quick time.
Avoiding unexpected home expenses, or at least weathering the storm, can be done through simply acting quickly and remaining vigilant at all times. The best way to save money is to learn to solve small problems by yourself and taking out insurance for the bigger things.
When it comes to expenses, what are your top tips for saving money?
When you fall in love, it is natural to want to share everything in your life including your finances. However before doing so, you should consider the implications and tread carefully to ensure that your relationship does not take a turn for the worse. Managing your money can be difficult in and of itself, and so maintaining a joint account is no cakewalk. It’s important to weigh the pros and […] The post Should You Keep Your Finances Separate from Your Significant Other? appeared...
When you fall in love, it is natural to want to share everything in your life including your finances. However before doing so, you should consider the implications and tread carefully to ensure that your relationship does not take a turn for the worse. Managing your money can be difficult in and of itself, and so maintaining a joint account is no cakewalk. It’s important to weigh the pros and cons of doing so before choosing which course to take. Let’s take a look at the following factors so that you can decide if merging your finances with your loved one is the best course to take.
Attitudes Towards Money
Some couples may not be in sync when it comes to certain financial issues, such as spending and saving, debt, and their retirement goals. If you and your loved one are on opposite sides of many financial matters, and hold extremely different systems, expectations, ideals, and objectives then be aware that this can create unwanted relationship conflict and significant challenges. It is best to sit down with your significant other and discuss your opposing views on finances to see if a compromise can be made. If not, then consider keeping your finances separate.
Losing Your Independence
If you’ve been successfully managing your finances for years now, from choosing your 401K to budgeting to planning vacations, then you may be wary of giving up your financial independence. If you feel this way, then you need to consider if the extra bookkeeping required to keep finances separate in “ours”, “yours”, and “mine” accounts is worth the comfort that having autonomy gives you.
It Can Bring You Closer Together
If you and your significant other join finances successfully it will help you stay on the same page and keep your long and short-term goals synced and manageable, as well as your financial priorities in alignment. There is little so satisfying in a relationship as knowing that you and your loved one are in it together through the ups and downs. By merging your assets and liabilities, you are looking past your wants and needs, and making the commitment to be a unit, whether in failure or prosperity.
You’ll Make Things Simpler
Whether you are just living together or are married, the reality is that you and your loved one share a lot of the same expenses, such as household items, mortgage, utilities, food, etc. It makes things a lot easier to be able to keep cash to pay such bills in a single account that both parties put money into. On top of this, combining loan accounts, such as for credit cards can aid you in securing a long-term loan in the future. If you make sure that both you and your loved one is making consistent and timely payments, then both of your credit scores will increase. On the other hand, if you keep your credit accounts separate, then only you or your significant other would have the benefit of a boosted credit score.
You’ll Have a Tax Advantage
There’s no denying that filing for separate tax returns has its perks. For example, in a situation where one person has medical bills and so can meet the tax deduction threshold by only inputting his or her income. That being said, for some, joint filing can aid in saving not only time but also money. This is usually the case when one person makes more income than the other, as filing jointly allows more of the revenue of the higher earning spouse to be subject to a lower tax rate. It is typically the case that the couple who benefit from filing their taxes jointly do not have a substantial personal loss, itemized deduction, or medical expense. Before choosing one or the other, it is recommended that you discuss your options with an accountant so that you can minimize the impact of your taxes.
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