Pampers Baby Dry Review

We all know that it costs a ridiculous amount of money to raise a child. The latest estimates ring in at a whopping $233,610 between your child’s birth and the day he or she turns eighteen. Before the birth of your little bundle of joy you will inevitably spend time weighing the financial decisions impacting his arrival. You will think about the big-ticket items like doctor’s bills and hospital charges and furniture for the nursery, but you may also find yourself contemplating smaller purchases for just about every single item your baby will touch, eat or play with.

Do you spend extra money on organic products like sheets and bedding? Do you make your own baby food or buy it in a jar from the grocery store shelf? Do you purchase adorable new clothing or head to the thrift store for second-hand items that cost a fraction of the price?

Some items make a bigger impact on your wallet than others. For example: buying a minivan is a much bigger expense then your particular choice of crib sheets. Some purchases occur just once in a lifetime and others happen over and over again throughout your child’s life.

While it is important to consider the financial aspect of your decisions, it is often true that choosing the cheapest option is not the wisest choice. Take diapers for example. The cost of diapers can certainly add up throughout the first two or three years of your child’s life and while price is certainly a factor to consider when it comes to diapers there are other, more important considerations to make.

The most important aspect of diapers isn’t cost. It’s finding a brand of diapers that doesn’t leak. Let’s face it new moms and dads don’t get much sleep as it is. The last thing you want is a leaky diaper that consistently wakes your child from his or her sleep.

As a frugal fanatic I tried every inexpensive brand of diapers available, but after a few nights of wet crib sheets I gave up on those low-quality options in favor of Pampers. I wanted a trusted brand that would provide my son, husband and I with a good night’s sleep. When my second son was born over two years ago I didn’t bother with inferior diapers. I picked Pampers Baby Dry right off the shelf.

These diapers are made of safe and gentle materials that keep my son dry for up to 12 hours. When I put my son to sleep each night I know that a wet diaper will not wake him throughout the night. The Extra Absorb Channels pull moisture away from his skin and keep him dry until the next morning.

While thickness may not matter to an infant, who spends most of his time sitting or laying still, a toddler needs a thinner diaper that will allow him to walk, run, skip and jump. Pampers new Baby Dry diapers provide optimal absorbency without the cumbersome thickness. Since we started using this brand we haven’t experienced any leaks or blowouts.

I cannot say enough good things about the Pampers brand. I was provided with a free pack of Pampers New Baby Dry diapers for writing this post, but I can honestly say that Pampers Baby Dry has been my primary brand of diapers for more years than I can count and the latest modifications have just made them better than ever.

Pampers leak protection is superior to every other brand I’ve tried, including many other name brand options that continually leaked during both daytime and nighttime use.

On a side note: If you use Pampers or plan to use them in the future make sure you sign up for the Pampers Rewards Program. Simply enter the code found on participating packages of diapers and wipes on the Pampers Rewards website or iPhone app. It takes mere seconds to enter and you can earn rewards ranging from free photo prints and photo calendars to toy shopping carts, scooters and JCPenney gift cards. I’ve earned hundreds of dollars worth of products in the last three and a half years.

Note: I was provided with a free pack of Pampers New Baby Dry diapers for writing this post.

June 12, 2017 at 10:40 AM Leave a comment

What Can You Do With Disposable Income?

Having disposable income seems like a great advantage in life, but many people struggle to make the most of it, and end up frittering it away. There are, in fact, many options out there for those who have a regular surplus of money to potentially turn it into an effective form of making more money. Here are some of the options.

Trade

Trading has become incredibly popular in recent years, perhaps because accessing global markets has never been easier for individuals. With so many different options to choose from, you can invest your money in markets which you think might be the most profitable.

It will take dedication to learn the necessary trade strategies which are necessary to become successful, but professional traders have been known to take home millions. You could, for example, trade currency on the forex market, which is nonstop and volatile in nature, or invest in gold, which is a known to be steadier and safer. Whichever market you choose, trading can be an exciting way to increase your income.

Save

For those who want a simple, risk averse option for investing disposable income, opening a savings account could be the answer. Setting aside some money each month is a great way of building capital for a future investment, such as a deposit for a house or a new car.

There are many different savings to choose from nowadays, so look around online to find one with the best interest rate and conditions for your budget. ISAs are one effective method of earning tax free interest, as long as the interest rate is decent.

Invest in a Business

This is probably one of the most difficult options, but could be worth consideration. If you have enough disposable income or savings, you could use it to start your own business. The cost of this will vary widely depending on the business itself, but successful entrepreneurs have been known to sell their enterprises for millions further down the line.

You could also invest in someone else’s business, either individually or through a venture capital fund. This would reduce some of the risk yet still prove to be a good investment if the business is successful.

These are just some of the ways you can be more creative with your disposable income, and you should do some more research to find out which options could be the most lucrative/useful to you. Everyone is different, so do not be afraid to explore some of the more unusual options if you believe they will work.

June 9, 2017 at 10:19 AM Leave a comment

4 Pitfalls that Bedevil Newbie Entrepreneurs and How to Avoid Them

Many individuals dream of quitting their jobs to become entrepreneurs. These people often feel caged and unsatisfied in their 9-to-5 jobs. Unfortunately, many don’t realize how difficult it can be to run an effective and profitable business. Owning a company is much more difficult than working in a standard 9-to-5 job.

Starting a business comes with added risk. More than 50% of new businesses fail in the first five years because of a mix of internal and external factors. If you want to become an entrepreneur you must be aware of the common business pitfalls that lead to failure. To maintain a profitable business you must keep the list below in mind.

  1. Starting a job and not a business

Most newbie entrepreneurs think that being your own boss at a business will afford you the freedom to control your working hours and create time for other important areas of your life. However, you need to understand that a “business” that requires your presence and hands-on input to run is not a business yet. At this point it is still a job – it only becomes a business when it runs and make money in your absence.

Of course, you might need to be involved in the hands-on operation at the start; however, you should always look for ways to grow your business into a money-making machine that runs effectively.

  1. Starting a business from scratch when there’s a better offer to buy

Newbie entrepreneurs are often disillusioned by the idea of creating a lasting business legacy – and they want to build it from scratch. In addition, starting a business from scratch seems like the cheaper way to go if you don’t have access to startup capital. However, starting a business from scratch will cost you a great deal time of money. It will also take you longer to build your business legacy.

If you want to go into business and you have the funds, it might be a smarter idea to look for an undervalued business that you can buy and re-imagine with your own vision. Of course, you’ll need to conduct due diligence to be sure that the core operations of the business are healthy and steady before you purchase it.

  1. Running out of money

As obvious as it sounds, running out of money is one of the deepest sinkholes that entrap newbie entrepreneurs. Some entrepreneurs run out of money because they didn’t allocate their startup capital properly. For instance, spending a huge part of your startup capital on getting the best office space outfitted with ping pong tables and game consoles without thinking about the cost of product development and marketing could lead your business into failure even before you start.

Research streams of business funding before you set out. These will ease your financial worries before you start.

  1. Making cheaper prices your USP

In order for your business to survive and thrive profitably you must have a unique selling point (USP). Many entrepreneurs make the mistake of competing with established businesses by offering cheaper prices. Offering cheaper prices will definitely get you clients faster but it could also get you out of business twice as fast.

For one, a new business doesn’t usually have the financial war chest to compete with established rivals on price. More so, competing on price and price alone will get you many customers but you won’t have decent profit margins.

June 6, 2017 at 8:55 AM Leave a comment

What Are the Benefits of Spread Betting?

If you are new to the financial marketplace, the sheer wealth of available assets, markets and derivatives can be truly overwhelming

As a beginner, however, it is important that you select derivatives that offer both flexibility and liquidity in equal measure, while also identifying trading vehicles that can minimize risk over a sustained period of time.

When dealing in derivatives, one of the best methods that you can use is spread betting. In this article, we will look at some of the main advantages that this offers to investors in the current market:

     1. Gain Access to Complex and Volatile Markets

The foreign exchange remains one of the most lucrative and popular markets, but one that is also extremely volatile. This level of volatility can deter most novices from investing in currency, but spread betting actually makes the market more accessible and easy to navigate.

Not only this, but modern trading platforms also introduce additional risk management tools such as detailed stop losses, which automatically close positions once losses have reached a predetermined level. This augments the impact of spread betting, creating accessible markets that deliver a far more appealing risk to reward ratio.

      2. Spread Betting Negates the Burden of Ownership

On a similar note, spread betting also enables traders to deal in lucrative assets without assuming the burden of ownership.

This is because spread betting is a speculative investment vehicle that allows investors to profit even in a depreciating market, as they have the opportunity to back or hedge against the performance of an underlying asset. In the case of currency, for example, investors can profit by investing in the USD/GBP pairing and hedging against the pound.

This offers a considerable advantage to traders, who can monitor trends and achieve a profit regardless of the wider, macroeconomic climate.

     3. Achieve Higher Levels of Profit Through Spread Betting

When spread betting through contemporary, online trading platforms, you will not be charged any commission or brokerage fees when opening (and closing) trades. In fact, most generate profits from the minimal spreads that are applied, so traders can utilize their capital solely for the purpose of executing orders.

There is also no fee charged for holding an account, so you can maintain a zero balance when necessary without incurring charges.

When aligned to the other advantages of spread betting that have been discussed here, this is clearly a practice that can drive more cost-effective and ultimately profitable trades in the digital age.

June 5, 2017 at 8:14 AM Leave a comment

5 Simple Tricks That Will Ensure You Always Get the Cheapest Flight

There are countless examples of rowdy encounters on airlines these days. From passengers being manually pulled off to melees at the baggage claim.

So in addition to possibly encountering some crazies on your flight, you also have to deal with crazy fluctuations in flight prices. That’s why I wanted to put together some tips that will help you save money on your next flight.

Planning a vacation can be stressful and expensive. Not only do you have to worry about where you are going to go and what you are going to do, but most of us do not have the luxury of an unlimited bank account.

If it comes to choosing between staying at a nice hotel or finding a cheaper flight, you may feel like you are in the middle of a losing battle. No one — and I repeat no one — wants to stay at a cheap hotel with poor reviews just because they spent an arm and a leg for their airline tickets.

That’s why I came up with 5 super simple tricks that will ensure you always get the cheapest flight on the market. This way, you can spend your money where it is important.

Paying for flights is always going to be more expensive than using points and miles for free flights, so if you haven’t learned how to maximize your airline miles, then read my guide.

Trick #1: Book your flight on or around the 21-day mark.

Statistics show that flight prices are dramatically higher when you book your flight months in advance. As a matter of fact, the average fare is around 20% higher when you book six months in advance as opposed to at or around 21 days before your flight.

That said, it is a terrible idea to book your flight at the last minute, too. Leaving about a month between your booking and your flight departure seems like that sweet spot, and gives you enough time to prepare for your trip without allowing the flight prices to change too much in the interim.

Trick #2: Don’t be afraid to use multiple airline search sites.

We all know of them. Whether your personal favorite is Priceline, Kayak, or Orbitz, it is important to use one of these search comparison websites in order to gauge the best deals on the web. I actually recommend cross checking these prices with their competitors.

All too often, even the airfare search sites will have different pricing depending on the day. Check as many as you can and make sure you are getting the best, most convenient, and cheapest flight that these sites can offer you.

Trick #3: Do your best to book on weekdays.

Most people have to work on weekdays, which means that they are too busy to book their vacations. Because of this, airlines have a tendency to lower fares on weekdays. I have found that it is especially helpful to book your flights midweek; Tuesday or Wednesday, for example.

As for when you should depart, statistics say that domestic flights that depart on Saturday are typically cheaper than others. If you manage to find a cheaper flight on another day of the week, however, you should always grab it!

Trick #4: Be Flexible.

Obviously you don’t have much choice in the matter if you are booking a flight to go to your cousin Millie’s wedding, but do your best to be flexible with your vacation time. Flight prices can be temperamental, which means that one or two days can make the difference of paying $300 for your round trip flight and $600 for it.

Additionally, there are many lesser known airports that will get you to the same place for a lot cheaper. If you are okay with flying into a smaller airport and driving a bit more once you land, you can probably get a flight for much cheaper.

Trick #5: Create alerts.

Many websites allow members to create fare alerts for the trips they wish to take. This only really works if you have a significant amount of time between the current date and the date of your future flight, but it can provide some massive savings.

Websites like AirfareWatchDog exist solely to help customers get the lowest fares out there. Simply set up either daily or weekly alerts with them and they will provide you with the lowest fares you can get until you are ready t

May 30, 2017 at 8:07 PM Leave a comment

How to Get Out of Debt Without Starving to Death

“Beans and rice. Rice and beans.” That’s what radio talk show host Dave Ramsey recommends you live on if you want to get out of debt. For most of us, eating like that would get real boring, real fast. So, how can you get out of debt without starving to death? Follow these simple tips.

Pay Your Debts off from Smallest to Largest

Your very first step should be to list all of your debts from smallest to largest. This is the order in which you should pay extra on your debts. You may think that paying the highest APR bills should take precedence because they will end up costing you the most in the long run, but that does not treat the psychology of your debt.

For example, let’s say you have a $10,000 car loan with a 9% APR and a $200 medical bill that essentially has zero interest. With a strong focus, you can probably pay off the medical bill within a month. On the other hand, the car loan may take years. Do you think you can maintain your focus for years? Instead, it is sometimes recommended to go for the small amounts first so you can celebrate some successes quickly and use that as inspiration to tackle your larger debts. Plus, you can put your monthly payments for the paid-off bill toward paying off the next debt.

Increase Your Income

When you are in a debt hole, the best way to dig yourself out is to get a bigger shovel. Your income is your shovel. There are the obvious ways to get more money:

  • Pick up more overtime
  • Get a second job, such as babysitting, delivering pizzas, working as an Uber driver, etc.
  • Look to move up in your organization or to a higher-paying job at another company

Getting back to our hypothetical $10,000 car loan, you might consider selling that expensive vehicle and buying something that fits your current budget. Think of it as your debt car. In most areas, you can get decent used cars for under $3,000. Just be sure to shop around, and bring along a mechanically-included friend for test drives.

Another way to pick up some extra cash is to sell everything. Get acquainted with eBay and Amazon. These sites will give you a broad market for your items that you would not reach with a yard sale or Craigslist post. As you sell the items you don’t need (and trust us: there are a lot of items you don’t need), you will learn to appreciate what you have more and are less likely to spend frivolously in the future.

May 30, 2017 at 3:39 PM Leave a comment

Ten Steps to Build the Home of Your Dreams

There are many reasons to design and build your own house.

Are you an environmentalist in search of a green, energy efficient residence, a chef looking for an enormous, state of the art kitchen or a nature lover in search of majestic views? All of these are great reasons to build a house from the ground up, but you don’t need a special justification to start with a blank canvas. Sometimes the simple desire to customize your own home is all you need.

Have you ever walked around your house and considered all of the things you’d like to change if you had the time and money to do so? Perhaps you desire a luxurious master bath complete with a freestanding tub, a laundry room on the same level as your bedroom or a spacious kitchen complete with dual ovens, ice-makers and island cook-tops.

Maybe you’ve put a lot of time and thought into renovating your current home. Perhaps you’ve attempted to design workarounds for those layouts or envisioned removing or bumping out walls. Unfortunately, many homes cannot be modified due to their underlying structure.

Sometimes in order to achieve your dream home you have to design and build it yourself.

So what do you need to consider before starting your own self-build project. Here are a few important points to think about before jumping in:

Calculate Your Budget

Before you design your new custom home or contact a builder you’ll need to calculate your total home-building budget. Figure out how much you can comfortably afford to spend without jeopardizing your lifestyle. Take into account all of the items you currently pay for each month including all discretionary expenses. As a custom homebuyer, you will get to choose how much you want to spend on specific home features. Do you want to upgrade your kitchen with state-of-the-art appliances or spend more on luxury bathroom materials and one-of-a-kind fixtures and bathtubs? Think about these decisions as you plan your budget.

Prepare for the Unexpected

Construction projects can easily run over schedule and over budget. After completing your budget add an additional 10 to 15 percent to cover anything and everything extra. You cannot begin to imagine how many choices and decisions you will make on a custom-built home. What type of flooring do you want to use? Will you choose laminate, wood or bamboo? The prices for each and every decision can differ dramatically. Try to factor these choices into your budget then add a contingency buffer to your budget for unexpected upgrades and changes.

Choose Your Land

Before you can construct a house you need to pick the plot of land it will reside upon. Think carefully about where you want to build. Do you want to live near the ocean, in the woods or in a neighborhood right outside the city? Do you need a large house for a big family or a small, cozy house for just the two of you? You need to make sure the plot of land is large enough to support your needs. In most cases you will want to search for empty plots of land, but don’t rule out houses that can be torn down. Remember that land has intrinsic value even if the current property is in a complete state of disrepair. If you need help with this step review the tips found on the self-build portal.

Design the Layout

Before you meet with an architect think about the overall layout of your future home. How many bathrooms do you need to support? Do you want his-and-her sinks, a freestanding tub and a walk in shower? How many bedrooms do you want? How many of them should be designed as master suites and how large should they be? What would you like your kitchen, living room and dining spaces to look like? Snap photos of homes you admire or take to the Internet and save off pictures from Pinterest of the layouts you love. It helps to provide visuals to your architect and builder.

Find an Architect

The architect holds a crucial role in the building of your new home. He or she will be responsible for ensuring all designs are compliant with building regulations. In most cases this is not a one-and-done job. The architect will need to remain on hand to alter and tweak designs until you are satisfied with the entire layout. Without the right blueprints you cannot build your dream home. Think carefully about whom you hire. Find someone whose work matches your desired style. Make sure you feel comfortable speaking with this person about your design decisions as well as changes to their plans.

Find a Builder

Expect to spend a fair amount of time searching for a builder before you hire one. Request a portfolio of work, but more importantly ask to tour recently built homes and make certain to speak to new home buyers. Ask the homeowners about builder communication, (how often were they updated on issues and problems), and what did they think about the work that was completed. Find a builder you trust. You will forge an ongoing relationship with this person that will continue week after week and month after month until the work is complete. You need to feel comfortable with the decisions they make on site as well as their ability to understand and respond to your concerns.

Secure Financing

While most lenders understand the basic rules of financing homes, not all lenders under the complexities of mortgages and loans required for self built homes. Search for a lender that is comfortable handling construction loans. Keep in mind that it takes more money to qualify for a custom home. Your lender will require a higher credit score, a larger down payment and will most likely want to see a fair amount of cash reserves that can cover any extra costs that may arise.

Obtain Insurance

In order to protect yourself and your new-found investment you’ll need to purchase specialized insurance known as self build insurance. When building a house, you need to be prepared for the unexpected. While most construction jobs go off without a hitch some do encounter problems. Self-build insurance covers you from both liability and physical damage. It ensures you are protected from minor and major disasters and covers problems like on-site injuries or storm damage during construction. It even covers unthinkable acts like materials being stolen from your property before the work is completed or damage that may occur to neighboring properties.

Pay Over Time

Before signing a contract design an agreed upon payment schedule. Never pay the full price for work up front, even if you can pay in cash. You’ll want to pay in installments to ensure you are happy with the builder’s progress. If you provide the lump sum up front you lose your ability to negotiate and make changes along the way. Once the builder has your money in hand they will have more control over your new home then you do.

Visit the Work Site as Often as Possible

During construction visit the site of your new home as often as possible. As your house is built board-by-board and floor-by-floor you may find issues in the work being performed or even problems with the architectural design. It’s one thing to see the blueprints on paper. It is an entirely different thing to walk around inside of the rooms and see how everything fits together. Make sure you visit often to get a feel for the layout so you can make tweaks to the design as necessary. Visiting often will often keep your builder working. If they know you are onsite they are more likely to show up to work and continue to maintain progress on your new home.

Constructing a self-built home isn’t easy, but when the last nail is hammered in and the final coat of paint dries you will find yourself unlocking the door to your new home. Welcome to the home of your dreams.

May 19, 2017 at 7:28 AM Leave a comment

Various Things To Take Into Account Before Moving To A New State

Sure, you might be ready for a change and you might have a lot of reasons as to why you want to move to another state. However, this does not dismiss the fact that there are a lot of things that you need to take into consideration before you turn in your two-week notice at work and pack up the moving truck.

The Cost Of The Move Itself

Moving everything you own to a new state is going to cost you more than just some gasoline in a truck. In order to make the process run as smoothly as possible and to save yourself a bunch of time, you will need to consider hiring professional interstate movers. Of course, you will need to do some comparisons of the prices of the various movers you are coming across. This will ensure that you are going to get the best services for the best price.

You will also have to factor in the cost of all of the packing supplies that you will need to purchase. Without sturdy boxes, strong packing tape, and plenty of bubble wrap and foam peanuts, some of your most prized possessions might not make it too far down the road before becoming damaged beyond repair.

Education For The Kids

If you have children, even if they are not yet old enough to attend school, you will need to make sure that you are considering their educational needs. You want to know that the state, and more specifically the town you are moving to, is going to be able to provide them with a quality education. Do not wait until you have already moved and settled in to realize that the school district you landed in is one of the worst in the country. You would then either have to allow the educational needs of your children suffer, go through the hassle and expense of moving all over again or place your children in an online schooling program.

Investigate Local Taxation Laws

It is vital that you are really getting familiar with the taxation laws of the state that you are considering for your next big move. This is especially important for investors or business owners. Without taking the time to learn about the various tax laws, you could move somewhere where you think you will save money, only to find out that the taxation laws are going to cost you a lot more than you would have liked to spend. If you are having trouble finding the most accurate information on the tax laws of that state, you will want to get in touch with an attorney or accountant from the area that you are considering as your new home. They should be more than capable of providing you with a breakdown of all of the important aspects you need to know.

As you can see, the cost of a move to a new state is more than just the basics. If you really think about it, there are many financial concerns that you need to address. Instead of allowing those concerns to push you away from the idea of moving, simply use it as motivation to make sure that this will be the most well-planned move of your life. You will be happier and easily settled in your new home when you are doing your part to remain proactive and educated regarding what you can expect.

May 12, 2017 at 4:07 PM Leave a comment

Easy Ways to Spring Clean Your Finances

Springtime arrived two months ago and believe it or not summer is just around the corner. Did you take a stab at spring-cleaning this year? Did you root through your closets, sort through your drawers and clean out those lingering dust bunnies? When you think about spring cleaning you probably focus on mopping, sweeping and purging unwanted possessions from your home, but after you get your house in order its time to turn your attention to your money. It’s just as important to spring-clean your finances, as it is to spring-clean your home.

Here are a few key steps to get you started.

Review Your Expenses

This is a great time of year to hunt down your credit card statements and begin the line-by-line evaluation of your expenses. Carve out a quiet time of day to sit down and review each and every purchase. Categorize your discretionary expenses, tally up your totals and ask yourself some hard questions about the money you spent. Did you go out to eat too many times this year? Did you spend too much on clothing and accessories? Reflect on your purchases and ask yourself if you would buy the same things again. Take notes while you review the figures and decide which areas are worth the expense and which you should cut back on.

Analzye Your Credit Card Options

Let’s face it most of us prefer to use credit cards over cash these days. Why drag along a wad of money in your wallet when you can carry one simple, very clean card? While reviewing your credit card statements take a look at the rates, terms and rules of the cards you currently own. Maybe you signed up for a cash back credit card or a store card that provides points for each dollar spent, but when is the last time you reviewed the rates and terms of those cards and what can you do if something changes with your credit card rewards? Make sure you review the rules of your card to find out if you are still getting a good deal. You don’t want to miss the opportunity to earn points or cash back just for swiping your card.

Create a Budget

Create a budget using the data gathered from your credit card statements. Take a hard look at the numbers and figure out where you can cut and trim your expenses. If you spend too much money on food set a new resolution to bring your lunch to work. If your online shopping trips reached epic levels commit to a no-spend month in which you mix and match new outfits from the clothing you already own. Create a realistic budget and force yourself to weigh each of your future purchases from this point forward.

Pay Off Your Debt

Do you have debt you’d like to eliminate? Then you need a debt reduction plan. Can you take on a part time job, walk dogs, feed pets or babysit? Can you take on freelance writing jobs or graphic art design? Consider your skills, think about your passions and try to find a way to earn a little extra income each month. Look around your house for items you no longer need and sell them on eBay or Craigslist. Set aside money from Christmas and birthday gifts to chisel away your debts and don’t forget to use that tax refund from Uncle Sam.

Negotiate Your Bills

While reviewing your expenses you may find some very large monthly bills. Do you pay an ordinate amount for satellite television, cell phone coverage or Internet service? Take a look at your cell phone bills in detail. How much data do you use on a monthly basis? Can you step down to a smaller plan? Do the same thing with your television service. Are you paying for an extra-large package full of hundreds of channels even though you only watch a handful of them? If so, consider downgrading to a smaller, cheaper plan. You can also call the service providers to ask for deals. See if they would be willing to decrease your costs. A simple phone call is often all you need to save between $5 and $20 off your bill.

This spring get your house and finances in order. With your bills shrinking, your debts eliminated and your credit cards earning the highest rewards you’ll find more wiggle room in your budget for saving. You’ll also be well on your way to achieving financial peace of mind.

May 11, 2017 at 12:50 PM 1 comment

It’s More Affordable Than Ever to Learn About Your Heritage

If you haven’t heard of 23 and Me, chances are you will in the near future. For years now, 23andMe has been able to tell you specific things about your ancestry, just by analyzing your DNA through a simple sample sent in through the mail. You might learn that your ancestors were the owners of an awesome castle in Germany, way back in the 1500s. Or you might learn that your forebears fought lions in the deserts of Africa. That’s really cool stuff to know, and through deals like the one available through Groupon, it’s more affordable than ever. But this stuff has been around awhile now. 23andMe is in the news again because they have started to get into the field of personalized medicine.

You see, your genes tell an incredible story about your future. We don’t understand it all yet, but we’re starting to unravel genetic mysteries through science. One of the most important revelations yet exposed is the threat of specific diseases in the lives of specific individuals. 23andMe already allows users to understand their risk for Alzheimer’s Disease and a rare blood disorder. Just a few years ago, no one knew who would get Alzheimer’s. Today, it’s possible not just to know whether or not you’ll get the disease, but at what age!

There are alternatives to finding out about the legacy of your family, like Ancestry.com for example, another place to enjoy awesome discounts from Groupon. It’s absolutely amazing to live in a time where we can use this information for more than the most general family tree. When we start to understand the ramifications of our genetic family history for our own health, we can start to make important preliminary and preventative decisions.

Angelina Jolie had her breasts removed because she was at such great risk for developing breast cancer. In her estimation it was wiser to undergo an operation than risk getting sick or worse yet dying and leaving her children without a mother. She was unwilling to wait for the illness to invade her body before taking preventative action.

In the future, (and not too far, we might add), these decisions will be available for the average person, and you won’t have to resort to such drastic means to prepare. Not only will people be able to identify the risk factors that predispose them to certain diseases, as well as the genetic realities that make certain maladies unavoidable, they’ll be able to alter their DNA to prevent the development of these illnesses.

CRISPR is already altering genes to prevent negative outcomes, and this technology will soon be available to all. For the financially minded, this is a way to improve health significantly. It may soon ensure that you can prevent disease rather than paying for health solutions after problems have already set in. In the future, the expense to be healthy will come at the front, not at the end of life. This will result in a lot less money being spent and a lot less pain and heartache too.

May 2, 2017 at 10:32 PM 2 comments

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