Is the belt on your trousers starting to feel a bit tighter? The simple truth is that your waistline is growing. If you’re happy with that then great but your health may be suffering because of it. If you let yourself get to a stage where you are clinically obese then it could result in an early death. So how are you going to go about changing that other than promising yourself you’ll try harder and let everyone know you’ve made up a silly New Year’s resolution. Here’s how…
If you need to replace the Casters on your office desk chair then it may be time to think about losing some weight. If they’ve completely collapsed in on themselves then that’s a pretty good sign you should have started doing so,etching about it yesterday. It’s often difficult to be brutally honest with yourself but it’s a necessary evil. Find some scales and do a quick bit of research into what a healthy BMI for someone your height and weight should be. If you’re tipping just over the edge then he first step is getting yourself a diet plan.
You are what should eat
That’s right, if you’re stuffing pizza and cheeseburgers down your throat then washing away the sins with fizzy drinks then you’ll be gaining pounds at lightning speed. The opposite of what you want right? A well balanced diet doesn’t just mean five a day. Extreme cases are cause for extreme measures. You really will have to start counting your calories. A great way of doing this is to prepare your food with a weekly plan and stick to it. Deny yourself those in-between meal time snacks and say no to those sweet after dinner time treats. If you’re clueless when it comes to what to eat then it could be in your best interest to seek advice from a nutritionist. Find out what’s actually good for you. There’s lots online about diet and health.
Time break a sweat
If your not already sweating at the idea of a diet plan then you soon will be. Dust of that gym membership card and put it to use. Exercise can be as simple as walking. If your doing it daily it will all add up. Don’t be disheartened if you don’t see change immediately. These things take time and your already stepping yourself in the right direction. Sports are another great way of getting out the house, losing a few pounds and making some great friends in the process. Have a look online if there are any clubs near you that host your favourite sport. People are always looking for new members to build up the team. If you’ve got kids then why not help out or join a team together.
Don’t leave it till tomorrow or say you’ll start next week. Start now and give your body the best chance it can get. Your fit future self won’t be able to thank you enough.
An accident can leave us feeling most vulnerable, which can make it difficult to get to the bottom of the situation. Sometimes it can even be hard to tell what happened and who’s at fault; in which case you need someone who can investigate the scene. If you’re not at fault for the crash, then you may be entitled to compensation; and in some cases you need it. If you have crashed your vehicle, not only do you risk serious injuries, but your insurance costs will rise too. That’s something that can be avoided, but only with negotiations made by those working within the legal system.
Who to call
When you’ve been in an accident, and you can’t handle the situation on your own, you want to look into getting professional help. In times like this, you should consider investing in a personal injury attorney. These people are the most experienced when it comes to dealing with road accident cases, so you can bet you’ll be in much safer hands than if you left it to yourself. You need to consider the amount of time and resources it would cost you to gather up all of the right evidence, in some cases you might not even be able to achieve that without the proper help.
Investing in someone who has connections and experience in that field means that you’re likely to find the best deal/solution for your case. The usual procedure would mean taking the offender to court. However, there are different methods of dealing with this; some of which might only be obtainable through the work of someone legal background. You may even end up saving yourself money, too! Especially if the attorney can get you compensation; just think how much you might have to spend on the case alone, and then if you were to walk out empty-handed. Even if you have to pay them at the end of it, if you’ve had more than you paid as compensation, it’s still a gain in cash.
You’ve already lost enough; you shouldn’t be ready to risk even more of what you’ve got. If the accident wasn’t your fault; you’re entitled to that compensation, and you need to make sure you get it. Quite a lot of law firms won’t charge you if the case is lost, which means that the only reason you’d have to pay for their services is if you got the compensation. In this case, you’re not at a loss at all; and the odds are already in your favor. There’s no need to put everything on the line just to risk having the extra cash, give yourself the best advantage in the bad situation and come out on top. In some cases, the person who caused the crash was breaking the law. Which means that even in an accident, which means you shouldn’t have a hard time blaming them for what happened. Having a severe punishment for poor driving habits can help to improve the driving standards in general, so don’t be afraid to claim that compensation.
Businesses get into financial trouble – fact. What isn’t a solid fact is whether it’s possible to wipe away the slate and start again. Oh, owners and CFOs would love it if they could claim a mulligan, but it sounds too good to be true. And, most things that seem or look this way are as a rule.
But, debt is different. Okay, there is no magic spell which will erase arrears and keep your credit intact. However, there are ways to take a considerable chunk out of your overdue balances that are straightforward and accessible. Here are the four things to keep in mind.
Debt Relief Programs
Specifically the debt settlement process. In simple terms, settling allows you to forego a massive amount of debt in one simple swipe. To do this, you or one of the many debt settlement companies on the market negotiates a plan with creditors. Part of this strategy is to arrange for reductions in the overall cost. As a result, a quality negotiator will try and find a way to pay back the original balance without interest fees and late penalties. Not everyone goes down this route because they might not be eligible. But, if you have low credit and can’t make the monthly repayments, it’s perfect.
You owe money and creditors need the money back so they sell it to external collectors. As soon as this happens, there is a light at the end of the tunnel. Why? It’s because the collection process might be illegitimate and even illegal. Even if you owe an outstanding balance, there is a chance the whole amount could be wiped away as the account might be inaccurate. If it is legit, challenge the statute of limitations and their right to collect after so many days. Finally, always ask for proof. You might owe it, but a collector who can’t prove it can’t take your money.
Understand Profit Margins
Collection agencies buy debts because they can make money. Although it might seem like a daunting prospect for you, it’s a positive as long as you understand the percentage. In basic terms, agencies make money as long as they collect between 16%-25% of the outstanding balance. Straight away, this gives you leverage because you know they will accept quite a small amount compared to the overall fee. All you have to do is negotiate and keep this figure in mind.
What a reckless thing to do, right? Yes, the cons are pretty extensive, yet there are pros too. The main one is that the right bankruptcy option will clear unsecured debts. Student loans and loans with collateral are, sadly, not included and will stay until you find a solution. Anything else that falls into the unsecured category is ripe for change. It’s worth noting bankruptcy is a final resort as it impacts your credit score, but it might be the only option you have left.
So, do these tips help? Hopefully, they will be able to get you out of a tight situation.
The job market is pretty difficult for young people at the moment because they’re often being told that they don’t have enough experience. But the reason that they don’t have that experience is that they’ve spent the last few years getting a degree. For a while, everybody was encouraged to go and get a degree because it was seen as the golden ticket for any job that you wanted. Since then, employers have started to change their mind and put more emphasis on previous job experience rather than qualifications. The increasing cost of education is also putting people off because they don’t like the idea of getting themselves into huge amounts of debt for a degree that isn’t necessarily going to get them a job anymore.
This opens up an interesting question when it comes to the job market; which is better for preparing you for work, qualifications or experience?
Life Experience
One of the things that people often forget about when they’re trying to answer this question is that going to college isn’t just about getting a degree, you’ll also gain a lot of life experience along the way. You’re more likely to move out of your parents house when you go to college so graduates will often be more independent. That’s not always the case but it’s a consideration you should make. College is also a place where you’re likely to meet a diverse range of people from all walks of life which will massively improve your interpersonal skills. In a lot of industries, especially sales based ones, your people skills are more important than ever.
Working to your own schedule to complete assignments gives you another great skill. Being able to work without direction from superiors and use your own initiative to solve problems is another big bonus for employers. People that went straight from school into work might not have had as much opportunity to develop those kinds of skills.
Other Qualifications
The other thing to remember is that a degree isn’t the only qualification you can get. Even if going to college isn’t the best thing for your career, that doesn’t mean qualifications aren’t important. For example, you could get a leadership mba online which gives you practical skills that are invaluable in the workplace. There are all sorts of vocational qualifications like apprenticeships as well that all teach you skills that can be directly transferred to your workplace.
People that advocate education over experience will often tell you that people with more qualifications are more intelligent and therefore perform better when they’re at work. However, that’s not the case. People that just have work experience are not automatically less intelligent than people that have been in education but they might lack the critical thinking skills that you learn in education. That means somebody with a lot of job experience could tell you that something wouldn’t work a certain way, but they might not be able to explain why that is. That means, once they’ve got a few years experience under their belt, employees with lots of qualifications are likely to be better.
Best Of Both Worlds
Getting a degree doesn’t always have to mean that you’ve got no job experience either. There are a lot of sandwich courses out there where students will study for two years, do a year working in industry and then go and complete their final year. They’ll finish with both qualifications and relevant job experience. Even if you aren’t on a sandwich course, you can still find placements during the summer and do a bit of part time work while you study so getting an education doesn’t automatically mean you can’t have job experience as well.
Less Training
When employers are hiring people one of the things that they’re thinking about is how much time and money they’re going to need to spend training you. It’s one of the reasons that a lot of employers are starting to look for experience over qualifications. A college graduate that’s never been in a workplace before is going to have to start from square one. Employers need to train them in all aspects of the workplace starting with the most basic tasks. Now if you take somebody that has job experience, the whole process will be far quicker. There will be a few things to teach them in order to fill the new role but they’ll already know the basics.
This is the biggest reason that people are starting to turn away from degrees. You’ve got two options, you could spend 4 years at college and get yourself into a huge amount of debt, at which point you aren’t even guaranteed a job. Your other option is to go straight into work and by the time your peers have finished their degrees you’ll already have 4 years of wages behind you and you won’t have the debts to pay off either. People argue that this doesn’t matter because graduates are going to go into a company at a higher level and get paid more. However, people that go straight into work can easily progress to that same level in 4 years and most graduates are still ending up with entry level jobs anyway.
Everybody Has Degrees
That’s a bit of an exaggeration but the last few decades of pushing people toward college degrees means that there are a lot of people that have them. It used to be that having a degree made you stand out when employers were looking through applications but they aren’t worth anywhere near as much anymore. Spending all of that time and money at college doesn’t guarantee you anything anymore so it’s a massive risk that a lot of people just don’t want to take anymore.
It often depends on the employer and how they choose who to hire so there’s no definitive answer. However, if you’re looking to go into an industry that doesn’t specifically require a degree, you could end up in a far stronger financial position if you just decide to go straight into work instead of continuing with education.
As we have ever increasing pressures placed upon us in our working environments, there is, naturally, going to be a toll on our health in some way. Whether you are remote working, out in the field, or just spend time in your office, the dangers of working nights and unsociable hours have become normality for a lot of people. Whether this is because of difficulties in finding a job, or the specific skill sets we have means that we have to do night work on occasion, we need to make sure that we have an understanding of how it affects our health. So, how does it do this and what can we do to minimize the effects of night work on us?
Look At The Regulations Of Your Workplace
This is something that can certainly be worth checking out, because if we don’t know exactly what our rights are, and we end up working more unsociable hours than is expected of us, then we can feel like we are being taken advantage of. It’s important to undertake the relevant research to make sure that you are not working above and beyond what is required of you in a legal sense.
Tackling The Health Impacts
Of course, the biggest impact is the fact that we work so much during the night that our circadian rhythms end up being out of balance. Our bodies are trained to go to sleep when it is night, so issues like obesity and even diseases like diabetes and cancer are more likely to affect people that work during the night. One approach to tackle your sleep deficit is to make sure you are sleeping smartly. Remember, it’s not about the amount of hours you sleep, but rather the amount of sleep cycles you complete. There is more information on https://www.howsleepworks.com/types_cycles.html/, and this needs to be the first port of call if you plan on working night shifts for many years.
Change Your Career
This isn’t something lots of people like to hear, but because of the detrimental impacts of working unsociable hours on your health, the one thing you really would benefit from is by working hours that suit your body’s needs. For lots of people, the moment when they realize they can’t do it anymore is when they make a major mistake. You only have to look on a site like https://www.lane-lane.com/chicago-truck-accident-lawyer/ to see the perils of being a truck driver, one of the most dangerous professions that involve unsociable hours, might work, and excessive hours behind the wheel. If you have hit the tipping point and found that it has affected your life for the worse, or you are making many mistakes in work, take it as a sign to start looking elsewhere.
If you sleep 2 hours less every night for two weeks, this is the equivalent of having stayed up for 48 hours! Think about this when you haven’t slept much prior to your night shift, would you stay awake for 48 hours? Of course not! This has a detrimental effect on anybody. And when you do work unsocial hours, it’s not just the health impacts, but it’s your personal ones also you need to bear in mind.
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