As the problem of alcoholism and drug abuse continue to exist in society, the presence of rehabilitation centers prove to be very helpful. Each year, this problem that results in crime, lost work productivity and health care costs the U.S. more than $700 billion. The National Institute of Alcoholism and Alcohol Abuse (NIAA) reported that in 2014, 16.3 million adults in the U.S. had an alcohol use disorder (AUD) with 10.6 million of them being men and the rest are women. In the same year, an estimated 1.5 million adults received treatment for AUD at a specialized facility. [Read more…]
A financial disaster is one that we didn’t see coming and didn’t have the preparation for. It can be not only a huge hit to our bank accounts but can send every aspect of our life into a downfall.
Money problems are reported as one of the biggest stresses of modern day life, and one of the biggest contributing factors to depression. By taking the proper precautions to avoid being sideswiped by an unexpected financial blow, you can improve the quality of your life considerably.
Take note of these common financial disasters and tip on how to avoid them altogether by being prepared ahead of time.
You hear many Americans complaining about the rising costs of insurance, and what a pain it can be to be charged a penalty at tax time if not medically insured. This can be a frustrating expense when you don’t have any injuries or medical concerns to worry about.
However, suffering an injury when not insured can be one of the most expensive and financially devastating things that can happen to an American.
A simple trip to the emergency room can be as much as $20,000 which is considerably more when compared to a monthly insurance payment.
The same goes for your animals. Ensure that you have pet insurance for your cats and dogs. A small surgery can be thousands for animals, and sometimes this high cost can sadly force the family to opt for euthanization.
When your car breaks down, your life can come to a complete halt. Car repairs are costly and most often come completely unexpected.
By giving your car regular tune-ups, oil changes, and tires aligned, you can anticipate any foreseeable problems. Each time you go to the mechanic, have them give you a diagnostic.
Ensure that you have an honest mechanic, however, as there are some that make up problems just to take your money.
Not Paying Taxes
Skipping out on taxes whether intentional or unintentional can be a costly mistake that takes years to fix. Often the IRS won’t spot an error that occurred until 5-10 years after the fact, then come after you for it with interest attached.
If not paid back, the IRS can seize your assets and even have you incarcerated. Do yourself a favor and use a professional online tax service or an accountant to protect yourself.
Broken Electronics out of Warranty
It always seems that our electronics break the day after their warranty expires. A large electronics repair outside of warranty can be upwards of thousands depending on the item.
Guard yourself again this costly situation by either purchasing an extended warranty or paying a monthly installment towards property insurance.
Winter is just around the corner, as hard as it is to think about that, and your home could be at risk of a collapsed roof, pricey heating bills, and cracked sidewalks if you aren’t prepared before the cold weather hits and the snow starts to fall. Many people don’t think much about winterizing their homes, unless they live in a mobile (manufactured) home or travel for the winters leaving their home empty.
Even if you’re in your home, and it’s a normal house or apartment, it can still be wise to winterize ahead of time. While some of these items won’t be fitting to apartment dwellers, it is important for all of you to ensure your pipes are protected in extremely cold temperatures, and if you do live in a house you want to consider the impact of heavy snows on your rooftop.
Roof Collapse Under Snow
If you have a weak roofing structure you may end up with a collapsed roof if you get heavy snows in your area. This is especially common when there is a rain sleet mix that forms heavy layers of ice in between the snow. Not only do you risk roof collapses on your house, but also garages and sheds. It makes sense to have the stability of your roof checked before winter arrives, and to have a snow removal device for your roof.
A collapsing roof isn’t your only worry though, when it comes to snow and winter. Make sure you don’t have any missing or lifted shingles. If you do, when spring thaw comes you may find you have some roof leaks.
When To Use Salt
If it’s fifteen degrees fahrenheit or below, salting your sidewalks isn’t going to do much. What does manage to melt will quickly refreeze leaving you a skating rink to walk on, which would be dangerous to you and guests. You may also want to put some concern into what type of salt you buy for your sidewalks and porch.
Some types of rock salt can be bad for wood decks and patios. And, if you have pets that frequent the outdoors, you want a product that is safe for their bellies and their toes, since animals tend to eat things they aren’t supposed to.
Sealing Up Your Windows
Cold winds blowing in your home aren’t just a problem because they make you need to add layers to your wardrobe or cuddle up in a blanket. What they do most is wrack up your electric or heating bill (or both, if you find yourself supplementing with an electric heater). Make sure that your windows, and your doors, are draft free before winter strikes.
Lastly, unless you want a costly plumbing bills or want to be spending thousands to dig up your yard and replace frozen and burst pipes, make sure you are using heat tape to insulate all of your home’s piping in critical areas to prevent freezing.
When it comes to working from home, different people do it for different reasons. Some people work from home because they have children that they want to stay with. Some people work from home due to illness. And, some people simply do it because it’s the green thing to do these days.
By working from home you no longer need to make that commute back and forth to work, which means your vehicle is putting less pollutants into the air. But you should also be doing things in your own home office that are helping you be more green as well. [Read more…]
Your mind is important, and you shouldn’t be wasting it. With things like Netflix, people have started using their minds even less, while they spend hours binge watching TV shows. Put down the remote, and start doing some things that will help your brain grow and stay stronger.
The older you get, the more your brain will start to lose info, or get too full. For some people, illness will start to take away your memories. But, if you do more to nourish your brain now, you may get to hold onto more as you get older. [Read more…]