Financial Security for Your Family

Written by lyricsmama on April 26, 2017 – 8:57 PM -

As you beginning discussing with your spouse the idea of expanding your family, it is important to discuss finances. It is easy to jump right in. Planning ahead will take some of the pressures usually associated with a growing family and allow you to better enjoy the precious moments. Financial security combines investments and savings with insurance protection.

Insurance

Financial security requires an effort. Savings do not accumulate overnight and life sometimes throws you some curve balls. That is why it is important to sit down and evaluate your situation. You will need to ask yourself some tough questions. Discuss situations that could be devastating to your family’s financial health. What will you do if one of you becomes sick, injured or died? What happens if there is a fire or your home is robbed?

All of these scenarios are easy to shrug off. Everything is okay until it isn’t. It is important to be prepared. Insurance can go a long way and provide peace of mind. Coverage plans are more affordable than you might think. Life insurance provides your family with the resources necessary to maintain their lifestyle in the unfortunate event of a death. Funeral costs alone can put a dent in your family’s bank account.

Health insurance is vitally important. Just because you are healthy now doesn’t mean you might not end up in an accident. You might get ill expectantly. Hospital bills add up quick. They can stretch a family thin and cause a lot of stress. Having even a bare essentials insurance plan can help defer some costs. Read more about the importance of insurance for your family.

Savings and Investments

Setting aside savings can seem impossible when you are already on a tight budget. You should not wait until you are wealthy to start setting money aside for a rainy day. Get in the habit early. Putting just $25 dollars in an account with a 6% annual return will accrue to $31,000 in 15 years. If you have any credit card debt or student loans, focus on paying these off. Once you are out of debt, make similar payments into savings.

Invest in your future. It might seem like you will be young forever, but retirement can sneak up on you. If your company has a 401(k) retirement savings plan, start investing in it today. Some companies will even match employee contributions. This is not a deal you want to pass up. If this money comes directly out of your paycheck, you won’t even miss it. If you are planning on having kids or already have them, you will want to set money aside for their college. There are options for college savings programs that help you save for your kids’ future.

Financial security requires dedication and a real look at your family’s finances. It requires asking hard questions and seeking out answers. Insurance is important for any family. In the event of an unfortunate death or a catastrophe, your family will be able to focus on the more important aspects of life without the financial burdens that accompany tragedies. Start planning now for your family’s future. Invest your money wisely and start saving immediately.

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Weddings: Iron Out The Details Early As Possible

Written by lyricsmama on March 21, 2017 – 6:00 PM -

Getting Everything Just Right
Before we get too deep into the best ways to ensure your wedding is as successful as it needs to be, you should take a step back and remember that perfection is impossible to achieve realistically. There are always going to be things in life that don’t go the way you want them, and the only thing you can really control is how you react.

But that being said, there are things you can do to curtail the insanity that defines whether or not things go your way.

With weddings, one of the wisest courses of action is to get as many of the details you must figure out, figured out. Do this as soon as you possibly can. Try not to develop some OCD complex about it, but if the wedding’s in a year, you should be thinking and systematically planning well in advance.

If you feel like you need help focusing, do some research on the smart drug market. Better than caffeine, Noopept helps to improve concentration and has many positive reviews.

According to many authorities, it’s never too early to book wedding vendors. You want your catering figured out months in advance. You want transportation secured, the venue, the officiant, the pictures, the photography, the flowers, the dresses, the invitations, and seating taken care of. The same type of scheduling and timetracking you might do for your job will be useful in planning your wedding.

Because before that big day, you’re definitely going to have a lot going on in your mind, and the least amount of stress you can bring into the situation, the better. It should be a happy day, and for most it is. But if you’re so concerned about the individual trees in your wedding’s forest, you’ll miss how grand and beautiful the whole thing is.

So anticipate your emotional state, and for it. Then help those in the wedding do the same, like your bridesmaids. They’re going to need dresses, and if you think you can just figure this step of the arrangement out a few weeks in advance, you’re likely mistaken. The bridesmaids alone could take a month to figure out!

The Bridesmaids Dresses
When it comes to bridesmaids’ dresses, getting the right combination of comfortableness, style, and appearance can be difficult. Azazie dresses from Azazie.com understand this reality, pointing out that: “…you want your bridesmaids to feel comfortable and love the dress as well.” The more emotionally secure they are, the more secure you’ll be.

Granted, it’s not their day, it’s yours. But it doesn’t matter whose day it is if one of your closest circle of friends has that “black hole” quality known to suck the life out of a room. Especially when you consider the cost that will likely be involved in your wedding, you want as many controllable aspects of the ceremony to be determined beforehand as possible

In 2015, the average cost of a wedding rose to $32,000+. That’s more than many young couples make on an individual basis every year. Thankfully marriage tends to solidify the finances between two people, but that doesn’t mean such a $32k chunk won’t have an effect somewhere. If you are footing the bill, you and your future husband will feel it.

If your parents have a stake, or your mother-in-law, you can likewise expect they’ll have some way of communicating their spending to you. Thankfully, there are situations where a dowry may be awarded. Shoot, some couples are financially stable when they choose to tie the knot! Not everyone. So at an event of this import and expense, you want to plan as well as you can.

Weddings are an important part of anyone’s life, but they’re also an important component of society. At a core level, marriage unites individuals in a common bond which provides a basis for economic expansion and growth, while simultaneously improving the character of those in matrimony over time, and even bringing new life into the world.

Author Bio:

Kevin Bennett
Title: SEO Marketeer

Kevin is an SEO marketeer with Towering SEO and Youth Noise NJ who designs value-rich content aimed at increasing clientele for expanding businesses. Networking, building partnerships, and providing quality products with shareable value make this possible. He’s an author (Amphibian and The Thief and the Sacrifice to his credit) whose professional writing follows business trends in technology, marketing, SEO application, and much more.

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4 Things Everyone Should Know Before Moving to San Francisco

Written by lyricsmama on March 16, 2017 – 2:52 PM -

Many of us have moved because from getting a promotion, changing careers, or maybe it’s just you wanted to have a fresh start. What better place to move than, but to San Francisco as has a beautiful climate, friendly locals, and we all have seen it’s a growing tech-hub thanks to the New Yorker.

However, like many cities, there are just things wish you could know before you actually moved to the city. These hints help you transition into the city faster without, so you don’t look like a newbie and stick out like a sore thumb.

Today, we will be going over four things everyone should know before they move to San Francisco.

Neighborhoods have Stereotypes

People here in San Francisco take neighborhoods seriously, and when you’re first looking for apartments in San Francisco then you should have an idea of what an area represents.

It’s a good idea to come of the San Francisco and check out the area first to get a feel to where you might like to fit in or not to move too. You might find out that a lot of young hip professionals are living in the Mission verses having a majority of families that are living in Noe Valley.

Cost of Living and Rent is Sky High

If you haven’t done so already, you may have noticed that the overall cost of living here in San Francisco is really high. On a national average, prices jump quite a bit, and it’s important to realize that your new salary might not be as high as you would like it to be.
When you start researching apartments in San Francisco, you might start realizing that the prices are extremely high, far beyond what you know that after punching the employee time clock .

It’s not uncommon to see a studio apartment that rents at $2,000 a month. In instances like this, you might be better off looking at apartments for rent in Oakland CA as this is only about a 19-mile track across the bridge.

The same thing might be true if you had to end up living in Los Angeles and wanted to avoid the high prices. In this case you would be much better off seeking out luxury apartments in Glendale CA for a much more affordable price.

You Will Never Run Out of Things to Do

If you are a person who likes to get out of the house and have fun, then San Francisco is the right town for you. It is absolutely insane how many things there is to do in this city. From festivals, concerts, to random cultural events you will always find something to do.

Some of the best ways to find the newest events that come up is to visit either UpOutSF, or the Thrillist. When you go to these websites, it’s easy to meet other people to go with you as this is also a great way to meet new friends.

Divisadero Marks the Fog

San Francisco is known for an abundance of wonderful things, and one of the most notable is the fog. The Divisadero is a street that runs North-South across the city that slices it in half.
If you happen to live on the west of Divisadero, you won’t see the sun set less often than if you lived to the east of Divisadero. The point here is that once the sun has taken care of the sun from the morning, the evening fog starts rolling in.

Conclusion

When you come to think about why you are moving to San Francisco it’s nice to be as informed as possible, so you’re not left in the dark. With these four tips, it should help make your transition to San Francisco a successful one.

Author Bio:
Carl Aamodt
Title: Super-Connector
Carl is a super-connector with Towering SEO and Youth Noise NJ who helps businesses find their audience online through outreach, partnerships, and networking. He frequently writes about the latest advancements in digital marketing and focuses his efforts on developing customized blogger outreach plans depending on the industry and competition.

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SPRING INTO SPRING!! 7 Ways to Be More Optimistic

Written by lyricsmama on March 14, 2017 – 6:27 PM -

We set the clocks ahead for daylight savings and many of us woke up to a darker sky feeling sluggish thanks to a one hour loss of sleep. If you hit the snooze, pulled the covers up over your head still feeling bummed out about your waistline, bank account, career or love life, you’re not alone. Despite more daylight our worries will still be there. So how do we spring into spring, a season that’s all about new beginnings and rebirth? For practical ways, to cultivate optimism in our lives we turned to Dr. Sanam Hafeez, a NYC based licensed clinical psychologist, teaching faculty member at the prestigious Columbia University Teacher’s College and the founder and Clinical Director of Comprehensive Consultation Psychological Services who shares these tips and tools.

1. Focus on the good.

“A daily exercise I often have my patients do is keep an appreciation or gratitude journal. When you focus on all the things to be happy for in your life then more great things come. Think generally and use your senses. What do you appreciate seeing, smelling, touching, tasting, listening to? Write it down. Within a few weeks you’ll train the mind to pivot to an appreciate thought when a negative thought comes,” explains Dr. Hafeez.

2. Make plans.

Making plans to see relatives, to see a new exhibit a movie or to travel gets our mind moving forward towards something positive that we can be hopeful and optimistic about. Dr. Hafeez suggests making plans to do 3 things per month for the next 3 months. “Choose things that you know will bring you joy and then go do them! Feeling excited about what is coming and talking about how fun it will be keeps us optimistic and forward moving,” says Dr. Hafeez.

3. Control what you can, delegate the rest!

We get pessimistic and worry about the worst possible outcomes when we realize that we cannot control every detail. This leads to anxiety and an even stronger feeling of having to control conditions, and even others. According to Dr. Hafeez, this is a trap. “Figure out what needs to get done. What actions you can take. Then let go of anything else that is beyond your control with faith that everything will turn out fine. Envision the desired outcome,” advises Dr. Hafeez.

4. Limit your news watching and avoid it before bed.

“There is a very common pattern I see people falling into,” says Hafeez. “People awaken and immediately reach for their smartphone for news headlines. They then turn on the TV news as background noise. They listen to news in their cars, have news alerts going off on their phones all day, catch the evening news and then the 11pm news before bed. No wonder they’re less optimistic! What you choose to look at will impact your mood. Remember, good news doesn’t get ratings,” she adds.

5. Don’t snooze. Instead just breathe.

When the alarm goes off give yourself a few minutes to just lie there, eyes closed focused on your breathing. Breathe in counting to 4 and then breathe out. Do a mental scan of your entire body from head to toe thanking your cells for restoring you as you slept. “Deep breathing is a form of meditation and in the morning, you have a small window of opportunity to decide what kind of day you want it to be,” says Dr. Hafeez.

6. Distract yourself with something that requires focus.

The key here is to pick something you truly enjoy doing and do it daily. It can be painting, coloring, yoga, a 20-minute walk or jog, listening to music and dancing around your living room. “When you are fully engaged in something, you can’t ruminate which leads to pessimism,” explains Dr. Hafeez.

7. Make feeling good top priority.

When you commit to feeling good you instantly start to think more optimistically. According to Dr. Hafeez, when you’re mindful of your own negativity and shift to a better feeling positive thought you feel powerful. You’ll feel like you can conquer anything when you can master your own mindset.

Dr. Sanam Hafeez PsyD is a NYC based licensed clinical psychologist, teaching faculty member at the prestigious Columbia University Teacher’s College and the founder and Clinical Director of Comprehensive Consultation Psychological Services, P.C. a neuropsychological, developmental and educational center in Manhattan and Queens.
Dr. Hafeez masterfully applies her years of experience connecting psychological implications to address some of today’s common issues such as body image, social media addiction, relationships, workplace stress, parenting and psychopathology (bipolar, schizophrenia, depression, anxiety, etc…). In addition, Dr. Hafeez works with individuals who suffer from post-traumatic stress disorder (PTSD), learning disabilities, attention and memory problems, and abuse. Dr. Hafeez often shares her credible expertise to various news outlets in New York City and frequently appears on CNN and Dr.Oz.
Connect with her via twitter @comprehendMind or www.comprehendthemind.com
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My Visit To The Arnold Sports Festival Was Motivating and Inspiring!

Written by lyricsmama on March 7, 2017 – 1:27 PM -

My visit to the Arnold Sports Festival was simply put…. AMAZING! This past Friday me and the hubby had a chance to take a trip down to Columbus Ohio without kids in tow to attend. For me, it was an exciting day. Fitness has become a passion and basically my life over the past year, and I wouldn’t change it for the world, so being among other fitness minded people who have a love of the industry, I couldn’t wait! I was worried about my husband having a good time though, because although he works out, he’s nowhere near……obsessed……addicted……or loves the fitness lifestyle like I do. For him, it was more of a tag along thing to keep me happy.

When most people think of the Arnold they think bodybuilding, that was my husband included. I know a lot of people might be intimidated to attend, thinking they’re not up to par, thinking that when you walk in it’s a bunch of muscle heads walking around, and that’s not it at all!

The Arnold yes promotes a lot of bodybuilding, and that is one of the major focuses of the event, however there is so much more! Tennis, Ping Pong, Fencing, Wrestling, Pole Dancing and even a Kids Expo to visit. The Arnold Sports Festival is for just about anyone who is at any level and has any sort of love for sports or fitness in general. Sure there were bodybuilders around, but there were average people around too, everyone in the convention center together, celebrating fitness!

 

We decided to go on a Friday at the advice of some others who have been there before. We met up with our friends / my trainer (NGA Figure Pro Betty Thomas and IFBB Pro Phil Thomas from CNC Lifestyle Management) when we got there as well. It was…BUSY! But apparently wasn’t even close to what Saturday’s look like where I’ve heard it’s elbow to elbow. I had a plan walking in, which booths I wanted to go to first, but once I walked in, my mind was overloaded and I said screw my plan let’s start at that end and just GO!

My only real plan was to get to the PrimEval booth to meet my idol, my inspiration since I started realizing my dream of getting into bodybuilding IFBB Pro Dani Reardon. She’s amazing (Follow her on Instagram). Since I started on this journey, she is the one I’ve been looking to for inspiration and motivation, so meeting her was a MUST! When I first got to her booth she wasn’t there, and I was heartbroken, but we went back later in the day and I got to meet, and talk to her for a good amount of time. She’s so amazing, genuine and interested in hearing about my journey and where I hope to go.

A few others I had hoped to meet didn’t happen because I simply didn’t want to wait in line. Be prepared! If there’s someone there that you want to meet, get there early, and be patient because you will be waiting quite awhile to meet them. The best part about the expo is getting all the swag and samples. I can’t tell you how much apparel I have, supplement samples etc. This is just a portion of our haul, I’m telling you freebies everywhere!

My husband actually had an AMAZING time, he loved it and can’t wait to go back again next year. I loved the atmosphere so much I was begging him to go back on Sunday again, but it didn’t happen. For anyone wondering if it’s something they should go to, my advice is GO! Not only for the ‘celebs’ to meet, the ‘freebies’ and great deals you can get on supplements, but because of the atmosphere.

I came away from The Arnold with a better, brighter outlook. Everyone I met there was so nice, so inspiring and supportive. The negative stereotypes of fitness or bodybuilder type people go out the door once you’re there and see it’s a community of people with a love that they all share with one another. People motivate and inspire one another, no matter what their fitness level is. My motivation to keep going, to get to my dream and goal was made clear when I walked out, I was encouraged by many people including my idol to keep going and to push beyond my limits because I WILL get there. I walked away inspired and with a love for this lifestyle and community more than I had before.

If you have any interest in health, fitness or sports make it a bucket list item to go at least once to the Arnold Sports Festival, you won’t regret a moment of being there!

If you’d like to see more photos from our day at the expo you can visit our entire album HERE.

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