Since Uriah started school this fall, I have had to get into the routine of waking up at 6 am (ish), and one thing that I have found is that I need clothes that are comfortable, easy to throw on, and warm. I don’t know about you, but I am freezing whenever I wake up in the morning, and I just want to cover up ASAP. I also want to still look put together, not like I just rolled out of bed when I drop Uriah to school.

Although it still remains hot in the day here in Southern California, during the fall and winter, the mornings and evenings can be cold, so it’s really important that I wear something that can keep me warm enough in the mornings. When it’s time to pick him up, the weather has drastically warmed up, so the same thing that I’m wearing needs to be breathable and functional enough that it’s not too hot.

I recently got introduced to Cuddl Duds, and as soon as I put these soft knit leggings on, I instantly fell in love. They are the most comfortable leggings I’ve had yet. What I like most about these is that they are lightweight, brushed for comfort, and are also made with spandex. This means that at the end of the day, these will retain their shape. Sine they are so lightweight, I can wear these throughout the day as the temperature fluctuates and still be warm or fairly cool.

I like the fact that I can feel so cozy and comfortable throughout the day because that is my top priority these days. I don’t want to have to stress about putting an outfit together then have to take it off when I get home because it’s so uncomfortable. The front waistband has a cross-over front and is elevated so that it doesn’t keep falling throughout the day. It is also a relaxed fit, so it’s not extremely tight or suffocating, yet it still holds my body. I really love that!

The black leggings are the soft wear with stretch, so they are much lighter and a bit see-through. They are wearable through all-seasons, and I can see that they would be good for layering. They also have a sleek feel to them, so they are super comfortable and almost feel like you’re not wearing anything. Both of these legging styles can be used for weekends, work, or active use, so they are very versatile.

I got a matching soft knit hoodie to go with the leggings in that same grey heather color, and I like how this has a loose feel to it because after all, I am going for ultimate comfort here. It isn’t bulky, so I like that, and the thumbholes come in handy when my hands get cold. The shirt tail hem is great because I do like the coverage whenever I wear leggings. I also like the fit because it accentuates my figure despite it being a relaxed fit.

I am really enjoying these so far, and since I do work from home, I can lounge in these all day. If you’re the type that likes ultimate comfort and functionality, Cuddl Duds is a brand I think you will love. They have a wide selection of warm wear that can be purchased at Kohl's this fall and winter. Get 30% off of Cuddl Duds from Kohl’s from 10/24 – 11/6/2019 in-store and online.

#LiveInLayers with Cuddl Duds at Kohl’s to stay warm and cozy this season!

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This post is sponsored by Cuddl Duds but the content and opinions expressed here are my own.

Living in a rental does come with its perks, in comparison to buying a property. For starters, you don't need as much money, and you can rent whenever and wherever you want. It also isn’t as much of a pain when you’re leaving, because you can just pack and go without having to worry about selling the place first. Then there’s the fact that renting comes with fewer responsibilities, because maintenance and constant care of the property are not yours to worry about. There are some things, however, that you will need to settle with your landlord before you leave, especially if you want to get your security deposit back. 

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01

Notice period

You’ll need to review your leasing agreement for this one because chances are there’s a stipulated notice period that you’ll have to give your landlord before you move out. Even if you review the lease and find out there isn’t an agreed-upon notice period, you should still give them at least a month’s heads-up before deciding to move. It’s just common courtesy, and it’ll make the landlord’s life much easier because they too will need to start looking for another tenant. So, it helps when they know well in advance.

02

Fixing property damage

This one is crucial, and you can’t hope to leave the property in peace without taking care of any damage that might have happened during your tenancy. You should return the property in the same condition in which you received it, if not better. So, for starters, it’s advised that you document the condition of the place with photos or videos when you first arrive that way you can easily fix any damage that you might’ve caused and restore things the way they were.

While wear and tear are expected, it’s the bigger things you need to take care of. The scratches on the walls and the dents on the doors are yours to handle, and you need to make sure you fix all those apparent problems because this is the first thing the landlord notices when they do the inspection. So, no broken windows or leaking pipes, and if you tried handing over a property with such problems, you’ll most likely not get your security deposit back. If, however, you did anything extra, you should keep receipts to show the landlord and get paid for them.

03

bills

This is definitely a no-brainer: You must take care of all financial obligations before you leave the property. You can guarantee that your landlord will check if you have settled your balances, and anything you have pending will be taken out of your security deposit.

Be sure to take care of your electricity, gas, water, and all utility bills that need to be paid. There is also the internet, as well as other subscription services, which you should remember to cancel before moving out. After you move, consider re-evaluating your internet subscription. You can cancel it, then take out cheap high speed internet instead.

04

Cleaning

This is one area many tenants tend to overlook when vacating their property, and some may even think that they can take care of it themselves without an issue. However, this is one of the most common move-out expenses that can cost you your entire deposit. Realistically, it doesn’t look good if you hand over the property looking like a dump, and you want to ensure that your deposit is returned back to you in its entirety.

Trying to clean the unit yourself isn’t the most efficient way to get the job done, and you’ll find that reliable, professional cleaners like https://royal-cleaning.co.uk/end-of-tenancy-cleaning-london, who have been in the business for a considerable amount of time, have the expertise required to ensure professional results.

Companies that are in the business of residential cleaning services will have the best detergents on the market as well as the latest equipment to do the job effectively. The fact of the matter is that you will definitely miss a few things here and there, which a professional must avoid. Additionally, your landlord will likely inspect your unit and charge you for any missed areas because they will avoid doing any end-of-tenancy cleaning themselves.

Hence, it is advised to contact professionals who provide residential cleaning services. For a thorough clean-up, you may consider pressure washing in Doral, FL as they provide effective cleaning solutions and have well-trained technicians to make your property sparkling like new.

 

05

Restorations

While it is your right to make a few changes in the property when you’ve moved in (after getting approval from the landlord of course), you will probably have to undo those changes before you leave. So, whether it’s tearing down a wall or repainting a room, make sure to restore the place to its original condition before moving out. Unless, of course, the agreement between you and the landlord stipulated that you can leave the changes as they are.

06

Vacating the property

You definitely can’t leave the property to the landlord with your things in it, so you need to make sure you leave nothing behind, whether you want it or not. It’s always a good idea to start with an inventory of the things you have around the place because that way you’ll decide on what you will take with you to the new property and the rest you’ll get rid of one way or another. Then, you definitely should hire a moving company to help you with the hectic process of moving out. They do everything from packing your belongings in a safe and professional way to moving them unharmed to your new home.

07

Property inspection 

The last thing you need to settle with the landlord before leaving is the property inspection, and this one can be a bit tricky. For starters, after you’ve done all the decluttering, repairing the damage, and cleaning, you should document the condition of the place to have proof of how it was after you were done. Then, you’ll get the landlord to do their inspection, and be prepared with documentation of the condition of the place right before you moved in and after you were done packing and cleaning. That way you can avoid any claims of damage to the property because you have it on record that you didn’t, and in fact, you restored it to just the way it was before you moved in.

Takeaways

Moving out of a rental doesn’t need to be difficult if you handle everything on your end so that the landlord wouldn’t give you a hard time. At the end of the day, you want your security deposit back and they want their property in the same condition it was delivered in. So, make sure you respect that and do everything you can to prove that you are a tenant who will be missed! 

CBD flower comes from the industrial hemp plant. It in the very material from which CBD oil and other corresponding products are extracted. Upon separation from the plant, this dried CBD hemp flower bud holds the biggest cannabinoid profile. As a result, you get a hemp flower that’s completely non-psychoactive; meaning you won’t get mild-altering high from its consumption. You can smoke, cook with, consume and do so much more with this herbal offering.

CBD flower is a highly versatile part of the cannabis plant packed with all the essential nutrients including aromatic molecules, therapeutic cannabidiol, terpenes, fatty acids, minerals, proteins, and many other amazing cannabinoids that offer a whole wide range of medicinal benefits.

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CBD flower buds are supposed to carry 14-20% CBD (Cannabidiol) with almost negligible THC content (carrying as little as 0.3% Delta-9 THC). The fact that it carries such little traces of THC ensures that the user doesn’t get high from its consumption. Since it has a good CBD profile, the very cannabinoid that offers it’s medicinal value is used for fighting inflammation, managing chronic pain, regulating blood pressure as well as managing diabetes and several other chronic ailments. Check out this clinical study performed to establish the relationship between cannabidiol and its potential to cure several mood disorders.

Health Benefits of CBD Hemp Flower

Just like CBD oil, CBD hemp flower bud is supposed to offer several therapeutic effects. Many clinical studies back those claims up. Hemp flower is typically used for alleviating conditions like chronic pain, sleep disorders, anxiety, post traumatic stress disorder, depression, and even diabetes. While most of these benefits have been shared as anecdotes by users around the globe, many controlled clinical studies performed on animals also confirm the following benefits of CBD hemp flower:

• Anti inflammatory properties that can manage chronic pain

• Potential for neuro-protective properties

• Anxiolytic effects that can help with stress and anxiety

These are just a handful of benefits that people have experienced by smoking CBD flower. However, it’s important to mention that smoking hemp flowers may not be the healthiest way to go about it. Anything other than oxygen is not the best thing for your lungs. While many use it for the mild euphoria and achieve feel-good effects, it’s important to remember that a trade of positive and negative effects may be happening at the same.

In terms of effects, people who prefer CBD buds over oils feel that the effects last longer and are more noticeable. That’s because CO2 extraction processes through which CBD oil is obtained, ends up stripping away many of the natural cannabinoid profiles, thus making the effects more subtle compared to the effects of hemp flower.

The real implication/usage of CBD hemp flower comes from an agricultural prospect where farmers cultivate and process it to extract CBD oil or make salves and isolates.

Is CBD Hemp Flower Legal?

CBD flower that comes from hemp is totally legal in the USA. However, the only requirement is that it must contain less than 0.3% THC by drug weight. In fact the 2018 Farm Bill has legalized production of hemp for commercial purpose. It’s completely legal to grow hemp as an agricultural crop which automatically makes CBD hemp flowers legal too. Many cannabis plants other than hemp (such as marijuana strains) may also yield flower/bud that may be rich in CBD and low in THC levels. But, it’s not necessary that those would be federally legal since they don’t originate from hemp.

Economic Potential for Farmers

Up until now, cultivation, distribution and sale of hemp and hemp products remained a huge challenge in the US market. That’s why there’s still a narrow market for farmers and consumers who like to use hemp flower directly. However, thanks to the recent 2018 Farm Bill that has legalized hemp farming for commercial purpose, things are starting to look up.

The market for hemp and hemp production is beginning to pick-up the pace, but it’s still relatively in the initial phases. Therefore, it may offer lucrative opportunities coupled with favorable conditions for farmers who want to grow and sell hemp, and hemp-derived products.

In case you are contemplating investing in hemp farming either as a farmer, distributor of hemp and hemp extracts (including CBD flower, isolates, oil, etc.) or someone who wants to offer land for hemp production; now would be a good time to make the most of it. CBD has huge number of health benefits.

Final Thoughts

Hemp is definitely emerging as a promising crop both in terms of a lucrative farming option as well as for the therapeutic potential it carries. Hemp flower is just one of the ways in which the country can put this beneficial herb to some excellent use. Although we are a long way away from exploring the cannabis plant to its true potential, we are on to a good start.

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Disclosure: The content in this article is from a trusted Hello Lovely Living contributor.

Three weeks ago, I was faced with a decision that I wasn’t expecting to make on the spot as I went in for a doctor’s check-up for my Pilonidal cyst that had flared up over several weeks.

A pilonidal cyst that I had acquired more than 10 years ago was now rearing it’s ugly head yet again. This was the third time it had flared up over that timeframe, but I had ultimately learned to live with it up to this point.

What made the difference this time around is that it had grown in size over a decade, and with it now being inflamed and so much larger in size, I knew the time was now to finally do something about it.

If anyone is not familiar with Pilonidal cysts, they aren’t technically cysts as they are so aptly called. They are complex abscesses that can be difficult to heal due to their location on the body. I will not go into detail about it within this post, but I am thinking about sharing my full story once I feel like I am completely healed and recovered from it.

I noticed that I had to take action and see a doctor once the pain and soreness began spreading elsewhere on my body. It was a huge cause for concern because I had never experienced these other symptoms in all my time having it. It was a good thing that I did go in because the doctor immediately advised me to have it opened and drained right then and there or else it would continue to swell in size.

I decided to do the procedure because there was no better time than now, and after doing so much research and reading people’s stories on forums for years, I didn’t want to prolong facing it another day.

It’s been several weeks since I got the procedure done, and so far my body is healing well, but of course, there is still a risk that it will come back and that I would need to undergo a more extensive procedure to remove it completely. Surgery is definitely something I want to avoid at all costs, so I am doing everything in my power to allow myself the rest and time to heal.

Along with caring for an open wound and encouraging drainage, there is a lot of pain that comes with the removal procedure including packing the wound every other day with packing strips to help it heal from the inside out and preventing it from closing. I’ve had to avoid putting any strain on the area, and it’s been difficult to even walk. To relieve the pain, I took pain medication for several days (thankfully I’m off of it now) and I was very careful not to put any sort of pressure on the area.

A package from CBDMEDIC came just in time for some added relief for my sore muscles. As I had mentioned earlier, as a result of my inflammation, I was experiencing muscle aches and pain elsewhere on my body. The tension was concentrated more on the right side of my lower back, butt, and my calves - I know, very strange locations to be experiencing muscle soreness, but I believe it all was tied to the fact that my body was fighting a serious battle!

Since I did receive this package after I had already done my procedure, the muscle soreness had calmed down a lot, but I applied the Back & Neck Pain Relief to the different areas I was still experiencing tenderness for added comfort, and it was soothing and provided a numbing effect.

I have touched on my use of CBD oil products in the past and have done several posts going in depth about it if you would like to learn more about its health benefits. In this case, the hemp seed oil and effective analgesic ingredients like menthol and camphor in CBDMEDIC pain relief products are a safe alternative to reducing inflammation for people who suffer from acute pain.

I do plan on using the Active Sport Pain Relief once I start back on exercising. This experience has really forced me to really take care of my health first and foremost, so exercising and eating well are also at the top of my list. The feeling of being held back from physical ailments became real to me these past few weeks, so I can’t wait to be optimally functioning again.

CBDMEDIC products can be found at your local CVS Pharmacy, and you can check out CBDMEDIC online for detailed information on ingredients and the different products available.

I hope to share my complete Pilonidal journey once I have more answers as to the progress of my healing and the future outlook of this condition. Many people suffer from this condition, and there is a lot of fear tied to it. I hope that my story ends in complete healing. I also hope you find relief and healing in your own personal pain story.

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This post is sponsored by CBDMEDIC but the content and opinions expressed here are my own.

There is so much talk in the health community about buying organic foods, but something that often goes overlooked is the importance of buying organic herbs and spices. Naturally, we would think that replacing our spice cabinet with organic options is no big deal, however, today's post will clear up exactly why it is just as important as any other item in our pantry.

Herbs and spices are a category of grocery items that we buy very rarely, so it's no wonder why they are out of sight out of mind because they are not often on our grocery list. When we do use herbs and spices in our cooking or baking, we typically use them in moderation, so they end up lasting for years - and we keep them around even beyond their shelf life. We don't think about herbs and spices often unless a recipe calls for something we don't have on hand. Another scenario that leads to us purchasing new herbs and spices is when we run out of an item completely, and in rare cases when something has clearly gone rancid.

On top of that, once you do need to replace something, you find that organic herbs and spices are a little more expensive, which can deter you from making that split second decision between the better option. Typically, you will reach for the inorganic option thinking that you are stretching your money and that it doesn't make a huge difference anyway because you don't use much of it.

Considering all of the factors that may be at play in your purchasing decision, I am going to now get into the more pressing concerns that you should consider and that are far more important in deciding whether or not to purchase organic spices, herbs, and seasonings.

What is the purpose of herbs & spices?

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Spices can be thought of as a garnish or a way to add flavor and aroma to cooking and baking. However, did you know that herbs and spices also have incredible medicinal and health benefits and have been used throughout history for that very purpose? They are also used as ingredients in powerful natural remedies for those who prefer or look to alternative methods of treating health conditions.

The problem with conventional, inorganic herbs and spices

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Conventional herbs and spices are not going to have the concentrated medicinal and health benefits that you would expect, rather they will contain high concentrations of toxic chemical additives, GMOs, synthetic anti-caking agents such as sodium aluminsilicate, sodium ferrocyanide, calcium silicate or silicon dioxide, pesticides, and more composition-disrupting additives.

Conventional herbs and spices are also grown using fumigation and irradiation practices, which changes the chemical composition of an herb or spice by exposing it to ethylene oxide and radiation to kill off bacteria and other contaminants. This process creates carcinogenic by-products that can increase your exposure to free radical damage.

More reasons to buy organic herbs and spices

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As mentioned previously, conventional, inorganic herbs and spices are loaded with chemicals by the time they hit your plate, which is more than a reason to stay away from them and switch to organic options. Since conventional farming practices rely on chemical intervention, you expose yourself to a host of issues because you simply do not know the long-term effects of ingesting these chemicals over a lifetime. Over time, you may not think that herbs and spices can make a difference to your health, but considering that you are using these ingredients in your cooking on a daily basis and from different inorganic sources, you are better off removing them completely.

Organic products may cost a bit more than conventional products, but it is worth the investment in your long-term health. Since they do last awhile, you won't have to worry about replacing them at every grocery trip. As a general rule, whole spices will stay fresh for about 4 years, ground spices for about 2 to 3 years and dried herbs for 1 to 3 years. source

What to look for when buying herbs & spices

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Not all organic herbs and spices are created equal. Here are things to look out for to ensure you are getting the highest quality products.

Always buy organic, No anti-caking agents, and No Irradiation

Buying organic will ensure that the companies you choose are certified with the USDA National Organic Program when producing their products. This means that they are committed to sustainable farming and production processes and responsible action toward their customers’ health and our planet's future. Organic herbs and spices are not irradiated, are not grown with pesticides, genetically engineered ingredients (GMOs), and do not contain synthetic caking agents and chemical additives. You can rest assured that they are held to the highest standards from seed to plate.

Have I replaced all of my herbs and spices?

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When I left Oklahoma back in October 2017, thankfully that gave me a reason to throw out all of my herbs, spices, and seasonings. I was that type of person that had a mix of inorganic and organic products. I was slowly replacing my collection, so what I would do is purchase an organic product one at a time when I would run out of something. Honestly, I think that doing so is better than nothing, so if you are wanting to make the switch, purchase them as you go and soon you will have a whole collection of organic herbs and spices that you can be proud of.

My herb, spice, and seasoning collection since moving to California is still growing, but I have been very good at purchasing only organic products. However, I still have a long way to go because I have only currently purchased items that I use more frequently.

spicely - featured organic herb, spice, and seasoning blend company

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An organic herb, spice, and seasoning blend company that I recently discovered is Spicely Organics, and I appreciate how they have such a large selection of products. It can be difficult to find all the herbs and spices that I want in the grocery store (even online) and in various sizes, so I like how Spicely Organics provides so many options to choose from, from small ecoBox sizes (0.4 oz) to bulk options. The ecoBoxes are great for ensuring that you are using your spices up before they expire.

All of their products are free from anti-caking agents and they do not sell any products or use any ingredients that have been sterilized by irradiation or ethylene oxide. They are also very mindful of their packaging by using glass, tin, and ecoBoxes and avoiding use of plastics. Their spices and seasonings also do not contain any salt or sugar, which is great because what you see is what you get without any fillers.

They are also very passionate about where they source their ingredients. In a nutshell, they require that their suppliers avoid forced and child labor, discrimination, unsafe work environments, substandard wages and other unethical practices. Read more about their highest standards of quality and environmental sustainability.

If you are a business and are looking to source organic bulk herbs and spices, they also sell wholesale organic dried herbs as well as wholesale spices. Since they are a direct importer of organic spices and herbs, you can be assured that you are getting wholesale herbs and wholesale spices straight from the source.

Overall, they are a rad natural herb and spice company in my opinion! I recently shared on Instagram how I used their cream of tartar as a natural migraine remedy. It was great knowing that the cream of tartar I was using was organic because it can be difficult to find organic cream of tartar, and heck, I wouldn’t want to be adding more chemicals to my body if my goal was to get rid of a migraine. If you’re interested in that natural migraine remedy, you can read that here. It really works, y’all!

Final Thoughts

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I hope that this article provided more than enough evidence that now is the time to switch to organic herbs, spices, and seasoning blends. Not only will you be getting quality products, but you will experience higher quality flavors, aromas, and the purest form of the ingredients that you are using in your meals. Small steps do really add up to larger rewards toward our health, lifestyle, and overall wellness.

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Disclosure: The content in this article is in collaboration with Spicely Organics. All thoughts and opinions are my own. Please see my privacy policy for a complete disclosure.

In recent years, Korean beauty and skincare products have gained notoriety and have increased in popularity in the United States and around the world. Many women are so eager to try these products because of their proven effectiveness and positive results when used regularly. In Korea, girls are taught the importance of skincare from an early age, so they carry this philosophy throughout their lives. For this reason, Korean women are known for the longevity and youthful appearance of their skin.

In addition, Korean beauty and skincare products are increasingly preferred over those created in other countries. That's because Korean products are formulated especially for young and sensitive skin. These products are also advanced in comparison to other beauty and skincare products in other markets. There’s no denying that Korea is one of the leading countries in developing some of the best beauty and skincare products in the world. So, it is with due respect that these products are being highly sought after.

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One of Korea's notable brands is Nature Republic. This brand is a South Korean brand created in 2009. It has spread its branches all over the world including within the United States. They sell a variety of beauty products, which includes skincare, makeup, and hair care. They are also known for using natural and organic ingredients in their products.

For those looking to start their K-Beauty skincare regimen toward Korean-like skin, Nature Republic is a good start. For the most favorable results, K-Beauty experts highly advocate a 10-step routine, which involves toner, cleansers, masks, serum, moisturizer, etc.

Here are several different Nature Republic products for the skin, face, and hair that you may want to look into:

Argan Essential Deep Care Hair Pack ($13 - $15)

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If you have bad hair days, then the Argan Essential Deep Care Hair Pack from Nature Republic is the solution to your problem. This hair pack has Argan oil, which is known for making the hair silkier, softer, and more controlled. The purpose of this product is to repair hair damage and to detangle frizz caused by hair dyeing, perms, hair straighteners, harsh dryers, and constant exposure to the sun.

How to use: 

1. Make sure to wash your hair with shampoo only. After that, squeeze your hair to remove as much water as possible, then dry it off with a clean towel.

2. Spread enough amount of mask onto your palm and apply it gently to your hair.

3. Leave it in for 10-15 minutes, then rinse off with water.

4. You can use a conditioner after using the mask.

Skin Smoothing Body Peeling Mist  ($17 - $20)

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Different peeling gels have been popular in Korea because of its immediate smoothing effect on the skin. The Skin Smoothing Body Peeling Mist balances the skin and gently exfoliates impurities and dirt deep within the skin's surface. It leaves the skin moisturized and refreshed.  

Nature Republic produces smooth, body peeling products that come in the form of a mist. Since it is a mist, you can easily spray it onto your body by the use of a spray nozzle. The mist has a milky texture, and its fragrance will quickly disappear after applying it in a few minutes. This peeling mist helps to get rid of your dead skin, exfoliate, and will encourage the development of a new, smoother layer of skin.

How to apply:

1. Spray a light amount of the skin-smoothing peeling mist.

2. Rub your skin gently.

3. When you noticed that there is dirt and it has turned gray, you can remove it.

Soothing & Moisture Aloe Vera 92% Soothing Gel  ($12 - $15)

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The Soothing & Moisture Aloe Vera 92% Soothing Gel is a cooling and hydrating gel with 92% pure aloe vera that is perfect for daily hydration. It has California CCOF- certified organic aloe vera, which gently moisturizes all skin types, including sensitive skin. It refreshes and soothes dehydrated, inflamed, sunburnt and dry areas; naturally protects skin with vitamins E, C, and other minerals, and firms the skin. Its fast-absorbing gel will not leave any greasy feel. 

The said soothing gel is very versatile in the moisturizing skin. You can use the gel all over the body, such as the face, legs, arms, and even hair to add a dab of moisture.

5 Colors By Flower Triple Meringue Tint ($10 - $15)

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The 5 Colors By Flower Triple Meringue Tint is a long-lasting lip tint, which has a size of around 4.5 grams each. This texture of meringue allows a soft application of the product. It has a silicone elastomer that gives a smooth finish, and with just one touch, it provides a rich and natural color payoff.

The tint comes in 5 colors: Rose Macaron 01, Carrot Cake 02, Red Brownie 03, Pink Peach 04 and Coral Tangerine 05.

Real Nature Hydrogel Masks ($4 - $5)

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These masks have Hyaluronic Acid to retain moisture of the skin, and Neem leaf extract to soothe the skin. They are also perfect for sensitive and acne-prone skin. These masks contain chamomile, which is an antifungal, antibacterial, antiseptic, and anti-inflammatory while it is considered to be hypoallergenic and can neutralize skin irritants.

Here are ten types of natural ingredients formulated in the hydrogel mask:

• Aloe leaf extract soothes skin

• Shea Butter makes the skin radiant through its hydration and nourishment to the surface

• Argan oil firms the skin texture through supplying nourishment deep into the skin

• Kakadu Plum extract creates radiant skin

• Green Grape  extract smoothes rough skin

• Grapefruit extract brightens dull skin

• Pomegranate extract creates healthy skin

• Chamomile extract soothes rough skin

• Manuka Honey extract nourishes the skin, creating glowing skin

• Green Tea seed extract produces a clearer skin

Micro Slim Fit Eyeliner ($8 - $10)

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This eyeliner is perfect for achieving an intense and long-wearing eyeliner. The eyeliner's fine tip will let you create precise lines that you initially wanted. This eyeliner is perfect because it's small, lightweight, and affordable.

Skincare is so important, and the sooner we start a regimen, the quicker we can protect our skin and be assured that we are doing all that we can to prevent premature aging. The K-Beauty products mentioned in this article are inexpensive alternatives to entering the world of Korean beauty and skincare without having to make a huge investment. At the end of the day, consider that the products that you choose are being absorbed into your skin, so you want to be using quality ingredients and products. Doing your research prior to using anything on your skin is always a must and will go a long way in your skincare journey.

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Disclosure: The content in this article is in collaboration with a trusted Hello Lovely Living contributor.

In 2015, the cannabis market was valued at $90 million. According to Grand View Research Inc, that number will jump to $22 billion within the next year - and a staggering $146.6 billion by 2025. A combination of widespread legalization, significant investment and increased research has resulted in a complete shift in the way consumers look at cannabis.

It’s safe to say that CBD is indeed much more than just another trend. But what does this mean for you? Is there some kind of untapped potential that’s worth making a business venture out of, or is it too late? Let’s take a look at the future of the CBD industry and what has made it such a compelling product.

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Vast Potential

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As you may already know, cannabidiol, or CBD for short, is one of the most well-documented compounds of hemp, which is a type of cannabis plant. It is free from tetrahydrocannabinol (THC), which is what the media and general public usually associate with cannabis due to its psychoactive properties.

A legal limit of 0.3% THC content applies to CBD products in the United States, but most of them contain none at all. As more and more consumers learn this fact, the stigma around cannabis continues to dwindle.

This, combined with an increase in the publication of scientific research around its health benefits, is putting CBD under a positive new light in the eyes of the general public. Its ability to treat an ever-growing list of conditions makes it a compelling health supplement for many people.

This goes a long way in speaking for its potential, as there’s a clear demand for cannabis products. While there are many entrepreneurs who have already capitalized on this, the cannabis industry is far from oversaturated.

Health Benefits

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To better understand why the demand for CBD products is something that will continue to increase, let’s run through some of its better-known and more well-researched health benefits. Keep in mind that we’re far from done when it comes to researching its effects on the human body, so there’s still much to be unraveled.

So far, we know that CBD oil is capable of reducing our risk of diabetes, cardiovascular disease, cancer, bone disease and much more. Its anti-inflammatory properties help protect our skin and reduce signs of aging, in addition to treating acne. This alone means there’s a significant potential for CBD in the skincare industry.

Another major concern that general consumers have today is stress and anxiety. Popular treatments usually involve the use of pharmaceutical drugs with undesirable side-effects. Numerous studies have shown that CBD oil is highly capable of treating anxiety and stress, but without all the negative side-effects.

There’s also depression, something that over 16 million Americans suffer from. Unsurprisingly, we’ve found that CBD oil positively affects our serotonin levels, thus making it capable of reducing depression and other mood disorders. This list can quite frankly go on forever, as CBD oil is also capable of treating sleep disorders and chronic pain, among others issues.

Cashing in

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This exhaustive list of health benefits means there are countless people who can benefit from CBD, which is great news for someone who wants to cash in on this industry while it’s still in its relative infancy. If you’re interested, be sure to check out this post on becoming a CBD oil distributor, which explains in further detail what you can expect.

It should be very clear at this point that now is the best time to enter the CBD industry. With enough persistence and a bit of creativity, you can easily become a key player in helping the world enjoy the benefits of cannabis products.

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Disclosure: The content in this article is from a trusted Hello Lovely Living contributor.

It can be relatively easy to find yourself slipping into a career when you’re fresh out of college. While still trying to get your feet on the ground, you’re forced to make a huge life decision based on little more than the degree you have earned, where you live, and how desperate you are to get some cash in your bank account. You may find yourself taking the first job that you are offered, or perhaps you opt for the position that gives you the largest wage. However, are these really the best reasons to select your first job role? Fast forward a decade, and you may find yourself in a role that you hate, a career that you wish you hadn’t chosen, and a professional existence that you feel stuck in.

It doesn’t have to be this way. There is no such thing as a job for life anymore, and more and more people are choosing to switch careers in their twenties, thirties, and forties. You can do the same. All you need to do is make sure that you are proactive and seek out opportunities that will transform your professional life. Take a look at these three sure-fire ways to get the job that you truly want.

No. 1

Get skilled up

Changing careers will inevitably require you to retrain. This can be daunting, especially if you need to commit to a few years’ worth of study. However, many degrees now, like the ones offered by the University of Southern California, can be completed online rather than by attending a physical campus. This gives you greater freedom to study from home while you are still working in your current role. While this position might not be thrilling for you, it is ideal to ensure that you are still getting paid while you retrain for a brand new career.

When swapping to a career not linked to your current one, you may have to enroll in a variety of courses. People who have slipped into a teaching career and now want to be doctors will need to undertake specific qualifications in order to practice and get the job that they want. Retraining may sound like a lot of hard work, and it’s true that you will need to commit to a couple of years of qualifying rather than simply walking into a role. However, in the grand scheme of things, this is a couple of years out of your life when you have a further thirty years or more of working in a role that you should enjoy.

No. 2

Join a recruitment consultancy

Recruitment consultants are given quite a hard time by those seeking a new job. Job seekers will often provide a recruitment consultant with a concise and nuanced wish list for a role, only to be offered something dramatically unrelated. However, find yourself a good recruitment consultant, and they could be worth their weight in gold. Find a specialist consultancy that only sources for positions in your chosen industry. Go into their offices and meet your consultant in person. Show them your resume, and take their advice on how to enhance it. Complete courses, get the necessary qualifications, and change the formatting as advised.

When a recruitment consultant puts you forward for a position, it’s time to brush up on your interview skills. Follow a format to answer each question. The STAR strategy is effective as it helps you to structure your answers effectively. You will describe the situation, detail the task, explain your action, and demonstrate the result. This keeps your answers focused and nuanced. Some recruitment consultants will even hold a mock interview for you to help boost your confidence and give you a dry run, especially if you haven’t been for an interview for a few years.

No. 3

Gain experience

While work experience can be impossible to obtain, especially when you already have a full-time job, you can shadow a professional in a voluntary capacity. This may require you to take a couple of weeks of vacation to achieve, but this will be invaluable to your resume. Even if you usually work as an advertising executive, for your voluntary shadow experience, you could be working alongside a florist, a teacher, or a lawyer. It’s up to you to find these opportunities for yourself. So, write to local companies that you are interested in working for, and get your foot in the door. Many employers are eager for unpaid help, so you have nothing to lose in sending off some speculative emails.

Takeaways

While you may feel stuck in your current career, don’t feel like you can’t do anything about it. Your career is not set in stone, and it’s okay to shift and morph from one job role to another. Think about what is important to you, strive for a decent work-life balance, and work towards finding your dream job as part of your ideal career path.

To gain experience, you can look for job opportunities on specialized sites like Jooble.

For a while now, I’ve been shopping for a minimal raw wood floating shelf, but to no success. Knowing that adding shelving to your walls will enhance your space, I always make it an effort to do so. I have always loved floating wood shelves in particular. So, I decided to take it into my own hands and design one that was not only pretty and the exact aesthetic I was going for, but inexpensive and easy to make.

This post is meant to provide the exact measurements and supplies that you will need. I also filmed a video of me making this exact shelf from start to finish so that you can easily visualize each step and refer back to it if you decide to make one for yourself.

All supplies besides the drill set (which was purchased at Ikea) where purchased at Home Depot, so this is an easy one-stop project. It is a very affordable project as well at under $15 for all supplies, and you could easily make multiple shelves for under $10 with leftover supplies.

Watch the video below for a quick tutorial on how to make this floating shelf!

SUPPLIES

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• 1 - 0.75” depth x 5.5” width x 24” length piece of maple wood board

• 60 sandpaper for wood (comes in pack of 5 sheets)

• 2 - #10x3” phillips wood screws (comes in pack of 2)

• 2 - EZ Ancor drywall anchor that hangs up to 75lbs (comes in pack of 4)

• #12-24 Everbilt machine screw nuts (comes in pack of 10)

• 3/4” diameter x 48” length wooden dowel (cut down to 2 - 7” pieces.

• Drill bit and phillips screwdriver

INSTRUCTIONS

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STEP 1

Cut dowels

Home Depot has a saw station that you can use to cut down your wooden dowels. Cut 2 - 7” pieces. With remaining wood, you could easily make 4 more pieces depending on if you are making multiple shelves. Of course, you’d need to adjust your amount of supplies if that is the case.

STEP 2

Sand dowels

Sand down the ends of the wooden dowels until smooth.

STEP 3

Drill dowels

Drill one side of each dowel 2” deep and at a circumference that allows for the head of the phillips screw to be completely inserted. I drilled my holes to a width of 1.25 cm since my screws had a lip that wide.

STEP 4

measure your wall

Measure the width of the wall you are planning to hang your shelf on. Since the piece of wood is 24” in length, you will need to leave an equal amount of space at each end in order to center it on the wall. This amount will depend on your individual space. Once you’ve identified how much space you need for each side, measure 3.25” from each edge of the piece of wood. This is where your wooden dowels will be placed and where you will place your holes in your wall. Use a leveler to make sure that everything is even before drilling your holes. I just downloaded a leveler in the app store and used my phone to do this.

STEP 5

Install drywall anchors and screws

With your drill bit, drill your holes into the wall and then screw the drywall anchors in place with a phillips screwdriver. Take your phillips screws and run a screw nut through each before you install them. Screw in until secured and tight (about 1”). Leave a 2” allowance to insert the wooden dowels into.

STEP 6

Insert wooden dowels and hang

Insert the wooden dowels into the screw and nut until secure. Hang shelf and then style with finishing touches. Make sure to keep shelf flush to wall so that all the weight is held up against the screws.

Wasn’t that an easy project! If you try this project, make sure to tag me @hellolovelyliving on Instagram so I can see!

I also have another hanging wood shelf project you may be interested in too. You can see that here!

What home decor projects have you been wanting to do lately?

Have you ever heard the saying “you can’t teach an old dog new tricks,” or “I am the way I am”?

These sorts of sayings are there to convey a very specific message—namely that there’s a particular status quo in effect specifically with regard to someone’s behaviors, lifestyle, and personality traits—and that this status quo simply can’t, or shouldn’t be tampered with.

source

Sometimes, these phrases will be trotted out by people who are nervously trying to prevent “friends” or family members from embarking on ambitious campaigns to change or improve their lives, but more often, people will apply these catchphrases to themselves in order to justify why they are avoiding the hard work of trying to pursue self-improvement in one way or another.

Sometimes, we are resistant to embarking on a self-improvement crusade, because we are fundamentally insecure about our ability to actually make meaningful changes and get the most out of life and don’t want to have to confront the possibility of failure head-on. Even pain you’ve lived with all your life like TMJ pain and chronic jaw pain can be resolved with the right treatment.

At other times, we may be jaded enough to genuinely believe that any such effort is ultimately pointless and that we are just stuck being the way we are, come hell or high water.

Ultimately, though, a life that is lived based on the assumption that self-improvement is impossible is bound to be a deeply unfulfilling, stressful, and nihilistic life, in a variety of ways. On the other hand, believing that you have the ability to steer the ship of your life as you see fit is a recipe for improved autonomy, happiness, and achievement.

So, if you’ve been telling yourself negative things about your own ability to change your circumstances, here are a few reasons why it’s never too late to improve your life.

One

Because it’s a big world, and it’s guaranteed you haven’t tried every solution yet

Here’s a pretty undeniable point: It’s a big world, and the world is full of all sorts of different people, pastimes, careers, productivity, lifestyle strategies, and so on.

If you feel as though there are specific problems in your life that are insurmountable, a clear question to ask before you allow yourself to surrender hope is “have I tried every possible solution yet?”

No matter who you are, no matter what specific situations you are faced by, it is guaranteed that you have not, in fact, explored every potential avenue, or tried every potential solution.

If you’ve tried many different things in order to address a particular problem in your life, and those things haven’t worked, the most empowering and accurate way to look at that situation isn’t “there’s no way for me to get past this,” it’s “I’ve found a bunch of ways that don’t work, so I must be getting closer to some solutions that do work.”

Giving up early is a choice. It’s a way of relieving yourself of the responsibility of having to keep pushing forward. But it’s not inevitable, and it’s unlikely to ever be due to the fact that you’ve actually tried everything, and just haven’t found a solution.

Two

Because anything you do to make things better, even by a small degree, will create a positive ripple effect

It is possible to end up in a situation in your life where you feel that there is no way that you could really make dramatic and sweeping changes to the way things are or achieve enormous things in a certain span of time.

Even assuming that these points were true, however—and there’s no reason to assume they are—this still overlooks the fact that even the smallest possible actions you could take on a daily basis, such as consulting an anti-procrastination helper, would have a significant impact that could reach far beyond your own personal life.

Something as simple as mowing your lawn can motivate your neighbors to do the same and might end up changing the entire neighborhood, in a subtle but meaningful way. Likewise, taking small steps to get your own life in better order can dramatically improve the net happiness of the people who love and care about you, and who are invested in your well-being.

There’s a powerful reason why it’s never too late to improve your life—because you don’t need to suddenly become the CEO of a multimillion-dollar company in order for any change or improvement you make to be deeply meaningful. You just need to do something—anything at all—in order to make things a bit “better,” and you will create a ripple effect that can spread further than you might ever have imagined.

Three

Because changing the kind of person you are has more to do with your daily systems than your overarching goals

A lot of the most successful and renowned people in the world, in different domains, had no idea that they were on track to achieving that success, until it one day “happened” as if by magic.

There are plenty of world-renowned authors, musicians, and other acclaimed public figures, who were just “doing their thing,” and then eventually became rich and famous because of it.

The reason why this can happen is that becoming a certain kind of person has a lot more to do with your daily systems and habits than it does with your overarching goals.

Many people set very ambitious goals for themselves, and of course, far fewer people actually achieve those lofty goals. If you set yourself a goal such as “I will be a million-dollar painter within three years,” you may well not achieve that goal. But, if painting is something that means a lot to you, and you set yourself a daily “system” or “habit” of painting for an hour or two every day, your life will improve in various ways, thanks to that. And, maybe you will end up becoming a great success as a result of it.

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One of the major implications of this is that “transforming your life” for the better, doesn’t have to mean “achieving an ambitious goal” at all. It can—and generally should—mean changing the kind of person you are today, in terms of your everyday actions. And the effects of doing this can be quite tremendous.

Here on the blog, I like to discuss topics around financial health. I believe it’s just as important as any other wellness topic because it does have a huge impact on every area of our lives.

Today, we will be specifically talking about reverse mortgages. It’s a mortgage option that I am just now learning about, and I can assume it is something that many of us aren’t aware of.

This is something great to be aware of if you are currently a homeowner or have plans to become one in the future. It’s so important to be prepared for anything that may arise over the course of your home ownership. It’s a huge purchase and commitment that spans a great part of your lifetime, so the ins and outs are very important to understand. 

I hope that this article is informative and offers some insight into a possible safeguard down the line. We can’t always expect to know what the future will hold, but being informed and prepared for anything that comes our way will ease the stress that is sure to come with any huge life event.

Retirement age may seem like a lifetime away for many of us, but thinking about it when you are young is very important. It’s a day that will come, and if we aren’t prepared, it can be a time of discontentment and fear. It’s much better to anticipate the challenges that will occur during that transition beforehand and to make sure that you have a back up plan if anything comes up.

Losing the income provided by full-time employment can be difficult, no matter how prepared you think you are. Anything can happen, including medical or family emergencies requiring financial resources you may not have. A reverse mortgage is an option that can potentially help you deal with such issues and maintain your financial independence while getting the most out of your retirement when that time comes.

Whether You Need to be Retired to Get a Reverse Mortgage

Technically, you do not have to be retired to get a reverse mortgage, but you do have to be of retirement age. The age minimum is typically 62 for reverse mortgage qualification. The reverse mortgage loan model was specifically developed to help retirees live comfortably and avoid losing their homes. It began in New England in the state of Maine in the 1960s.

How a Reverse Mortgage is Actually Reversed

When you think of a home loan, you probably envision making monthly payments on that loan for several years. If you chose a traditional mortgage, that is exactly what would happen. If you are already feeling financial pressure, that added bill might be more than you can manage. A reverse mortgage allows you to avoid that issue because you do not have to pay any of what you borrow back for a long time. Additionally, you can set up monthly payments from your lender to you. Therefore, it is somewhat like replacing part of your lost monthly income for a period of time.

Qualifications for a Reverse Mortgage the Home Must Meet

To qualify for a reverse mortgage, the home must meet certain requirements. One is it must be valuable enough for the calculated equity available to borrow to be worth actually borrowing. A small home, one in a state of disrepair or one that is otherwise low in equity may not qualify. That is because a proprietary reverse loan calculator must determine enough equity is available. The calculator is an online tool for reverse mortgage calculationthat uses pre-programmed algorithms to calculate the amount available for a lender to loan to you. The formulas are necessary partially due to government restrictions regarding the percentages available to borrow.

Not every home qualifies for a reverse mortgage. That is even true if a reverse mortgage calculator tool would determine the equity is high enough. For example, a home can only qualify if you, as the loan agreement signer, are living there on a regular basis. It cannot be a home you only use as a vacation getaway. You also cannot get a reverse mortgage on most larger apartment buildings. However, an apartment building with four or fewer units may qualify, as long as you live in one and own the property.

The Flexibility of Borrowing with a Reverse Mortgage

As mentioned earlier, you can set up a reverse mortgage so you receive equal amounts monthly while funds are available. However, one major benefit of a reverse mortgage is flexibility. That flexibility extends to how you receive your money. If for some reason you do not want monthly payments from the lender, you can ask for other loan terms. For example, you might want to borrow only what you need when you need it. If so, a home equity line of credit is the solution. Alternatively, you might have one large unexpected expense to deal with. In such a case, you can request one large up-front payment.

I hope that this article was informative and that it provided some insight into your future financial health. Regardless if you choose to explore this route when retirement age rolls around, it is always good to know your options and have security in knowing that there are many available. We can’t predict how the future will be, be we sure can do our best to plan ahead and be prepared even for undesirable circumstances.

Ever since I moved from Guam to the mainland USA in 2013, I have gained a greater appreciation for places closer to home. One of those places is Australia. It is a less than 5-hour flight from Guam, but I had never traveled there, and that makes me so sad now that I am living much further away. There are so many amazing places to visit in the Western Pacific, so my newfound appreciation has made me want to return back one day and explore the area.

Today, my wanderlust takes me to Western Australia’s largest and busiest cargo ports rich in history and the perfect destination for exploration in the area. Come along for a full day of adventure and bookmark for later if you plan to visit the region. This article is a helpful resource that will guide you through a full and eventful day in Fremantle. With the help of Katie from Be. Fremantle accommodation, we’ve put together the perfect locals guide to a one-day travel itinerary in Fremantle. Hope you have your walking shoes, cameras ready, and an appetite for exploration.

Breakfast at Chalkey’s

Kick off your day with a cup of fresh brew from one of Fremantle’s most popular breakfast eateries, Chalkey’s. Join the locals who flock to the café for a delicious taste of the signature dishes – cakes and pastries, scrambled eggs made with truffle oil, muffins, and more. Dine in with exceptional service, enjoying the ambient background music while awaiting your hot meal to arrive at your table.

Fremantle Roadhouse

You’ll find Chalkey’s on High St., located in a high traffic area of Fremantle. Don’t worry, there’s plenty of parking for you, especially arriving early. If you need a landmark reference, look right across the street to see the Fremantle Roundhouse, a major tourist attraction.

Whaler’s Tunnel

Now that you’re stuffed and ready to begin the day, take a stroll along the avenue or venture through Whalers Tunnel, the first tunnel ever built in WA back in 1837.

Sightseeing on High Street

High Street is the perfect place to be for walking off your morning meal. Wander throughout the historic streets of the popular Fremantle district. There’s a ton to discover, from the landmark sights to the hidden laneways. Keep your camera ready as you move past the Fremantle Town Hall, town squares, and reaching the West End Heritage Area.

West End Heritage Area

The West End Heritage Area is a designated heritage region of Fremantle. Gaze your eyes upon the distinct architecture here. Old hotels, banks, and other buildings line the streets; some built as early as the late 1800s. It’ll be almost time for a quick snack after snapping all of those photos.

Kakulus Sisters Delicatessen

Hop on a tram to the Kakulus Sisters Delicatessen, one of Fremantle’s premier boutique shops on Market St. Pop in for some exotic cheeses, Mediterranean snacks, freshly made bread, or a handful of nuts before continuing your Fremantle journey.

Fremantle Markets

No trip to Fremantle is complete without visiting the Fremantle markets. You’ll be amazed by the offerings from over 150 vendors inside. Shop artisan crafts and souvenirs or taste test some local treats as you wind through the rows of stalls. Music fills the air, creating the perfect atmosphere for spending a part of your day. It’s a great chance to interact with locals, too! Learn about some of the hidden quirks about living in Freo and some recommended places to check out nearby.

Esplanade Park

All of this exploring of Fremantle deserves a break, especially in the Western Australia sun. Head down to Esplanade Park, the perfect destination for family picnics. Escape the city hustle-and-bustle in one of Freo’s popular green spaces. Let the kids run around the park’s fields while you lounge in the shade, enjoying picturesque views over the ocean. Park facilities include pavilions and benches for hosting your picnic meal.

Ferris Wheel

Be sure to look up while in the park to see the towering Ferris wheel. Grab a seat and take a smooth ride to the top of the wheel. Breath-taking views await you as you take in the bird’s eye view of the city below. See how many landmarks you can spot that you’ve seen earlier.

Fremantle Visitor Centre

At this point, we’re sure you’ve done your fair share of walking. Fremantle is a beautiful city to explore on foot, but there are so many more exciting things to see and do during your day in Fremantle. Head back up to the Fremantle Visitor Centre in the Fremantle Town Hall to make sure you won’t miss a thing.

The Fremantle Visitor Centre is your one-stop-shop for all things Fremantle. Hire a bike, grab park passes, book tours, or grab a map of the city to figure out your next destination. Official Fremantle Ambassadors, volunteers stationed at the visitor centre, can lend a hand with learning a bit more about Fremantle. They’ll be glad to give you a tour or point you in the right direction for your next activity. You can find out about the latest buzz for events happening during your stay. And the best part: FREE WIFI!

South Beach

It’s time to experience one of the natural wonders of Fremantle that all visitors enjoy: the beach. There are several favorite beaches to choose from along the Western Australia coast. Hop on your bike and cruise along the trail running along the coast down to South Beach. South Beach is one of the main Fremantle Beaches, known for its white sands and blue waters. Kids will enjoy playing in the water or the grasslands and dunes around the beach.

South Fremantle

Take time to explore Fremantle’s trendiest area, South Fremantle. Boutique shops, cafes, and international dining options are all available in this part of town. You’ll have great views of the Fremantle Boat Harbour. Pick out your favorite boat docked here.

Fremantle Harbour

The Fremantle Harbour is a short bike ride away from South Fremantle. You’ll be glad that you saved the best part for last as the day winds down. Stop by the famous Joy Kitchen for the finest Cantonese style Chinese food in Fremantle. Fresh catch arrives daily from the harbour to the restaurants. Grab a plate of the best Fish and Chips in the world at Cicerello’s.

Bathers Beach

Before the day ends, head down to Bathers Beach, adjacent to the boat harbour. You’ll be just in time for the iconic Fremantle sunset. Sit back, relax, and watch as the sun drops below the boat masts in the harbour. You’ll soon realize that Fremantle is paradise by the time you return to your hotel for the night.

I hope you enjoyed today’s wanderlust. Australia is a destination that must be experienced at least once in your lifetime. I know for sure that I will visit one day and be in absolute awe over it. There is so much beauty to experience there, and as this article has illustrated, there is so much to do and so much to see to make it worthwhile with memories to last a lifetime.

Personally, this is something that I believe comes naturally to some, and for others, it is like a skill that must be developed. Speaking in terms of myself, I am naturally a very reserved person by nature, yet I have learned with age to be more open and vulnerable. However, I have also learned that there are just certain people that you can not open up to in that way and people that you shouldn’t open up to, either. It’s all about knowing who you are safe with and setting boundaries as to who you share your inner self with. 

In this article, a Hello Lovely Living contributor shares some practical advice as to how you can be more open about your thoughts and feelings for overall mental wellness. I think it is so important to let things go, and that includes things that can’t be seen or touched in physical form. We must be very conscious of what we are holding onto because it can harm us down the line if we don’t deal with it in a healthy way.

via Indigo

Sharing your thoughts and feelings helps you to cope with many things in life. When you're too closed off or feel unable to communicate with others, it can cause you to feel isolated and alone. If you struggle to open yourself up to others, it doesn't mean that you don't want to or that you can't benefit from doing so. However, sharing your emotions and opinions when you're not used to it can be hard. It can take a while to learn to open up and share more about yourself, but doing so can benefit you in a number of ways. Here's how you can start to be more open about your thoughts and feelings.

Start with People You Trust

Opening up to people can be hard, but it can be easier if it's with people you know that you can trust. Think about who is able to trust you when they want to talk, and you will probably be able to trust them back. You might have very good friends who will listen to you or relatives who love you. You might even find that many of them have encouraged you to open up more before, but you have been reluctant for various reasons. If you're not sure who would be receptive when you want to talk, simply asking someone if they have time to chat can be helpful.

Discuss Facts, Feelings and Opinions

If you want to be more open, there are lots of things that you can talk about. It's a good idea to talk about a variety of things, rather than just focusing on one area. Not everything must be plain facts or all about your emotions. Sometimes you might be asking for practical advice for a problem, or sometimes you might just want someone to listen to how you feel. Other times it could be a good idea to share your opinion and ask others to offer their own opinion in return.

Be Willing to Listen

When you open up about what you're thinking or feeling, it's not just the talking that's important. It can also help to be willing to listen to what the other person has to say. It helps you to get more from the experience, making it a conversation that you can benefit from. When you talk to others, they can offer you advice and feedback, or just give you their opinion on your situation. Sometimes the best thing that they can do is to offer words of comfort, and listening to them when they comfort you is definitely a benefit of opening up to others.

Find Anonymous Places to Open Up

It can sometimes be a struggle to open yourself up to the people you know and love. You might not want to tell them something that you would rather keep to yourself for a number of reasons. Perhaps you don't want to worry them or you're unsure if they will judge you for what you say. Sharing your thoughts and feelings anonymously can offer another option. You can find anonymous peer support groups online that offer you people to talk to. You can share your thoughts without revealing who you are and get valuable advice from others. It's a great way to connect with others while still maintaining your privacy.

Of course, don’t forget that medical professionals are often bound by discretion unless something you tell them breaks the law or puts someone at risk. As such, finding the right clinic such as the best inpatient mental health facilities can be the best place to start.

Try to Be Honest

If you want to open up more, honesty is key. It's essential to try and be honest about what you want to say, otherwise there's not much point in opening up. Sometimes you can end up being closed off because you you don't want to tell the truth about yourself. But if you open up more about who you are as a person, people can start to trust you more. Avoid telling people what you think they want to hear, which is something many people do when they have a hard time opening up. You have to try to push away your fear of being rejected or judged for what you say, although you should still think carefully about what you choose to say.

Don't Be Afraid to Be Vulnerable

It can be difficult to let other people see a more vulnerable side of you. There can be a lot of fear connected to how they might start seeing you or even if they might use the things that you say against you. But if you want to be more vulnerable, you need to let go of these fears. Talk to people who you know you can trust about more personal things, whether it means talking to a friend about a painful experience or sharing a relatable story with your support group.

Try Talking to a Professional

There are some cases when talking to a professional who can help you with your thoughts and feelings is the best thing to do. If you're struggling to talk to the people you know and love, you might find that a therapist is able to help you. When it's someone you don't know personally who has to keep what you say confidential, it can feel easier to share. Not all therapists will be right for you, but finding someone who you do feel comfortable with can help you. Once you start opening up to them, they could help you to be more open with others.

Choose the Right Things to Share

If you want to be more open, you should think about what sort of things you want to be more open with. Just because you want to share more, it doesn't mean that you have to share everything about yourself. Everyone is allowed to have secrets or keep some things to themselves. Some things also might not be appropriate to share with some people or just might not be necessary to share with others. There are also occasions when you could offend or hurt someone's feelings. Being open and honest doesn't mean having no filter at all, so think about what you want to say before saying it.

May is Mental Health Awareness month, and today I have a guest contributor that shares a few positive effects that meditation can have on your wellbeing. We all deal with mental health challenges at various points in our lives - we are only human.

Acknowledging that we constantly need to be attentive to our mental health is so important in creating healthy patterns that manage the stresses that we experience daily. We can’t simply wait until something happens, we must do our best to prevent ourselves from turning to unhealthy responses.

I hope this sheds some light on a topic that we need more conversations about. 

Source 

Everybody is looking for ways to improve their wellbeing and manage their mental health effectively. Making changes to your lifestyle like exercising more often and improving your diet can be a big help, but one thing that people find makes a big difference is meditation.

In the past, people associated meditation with religious practices and didn’t think it was really for them, but now, more people are starting to introduce meditation sessions to their daily routine because the results are so good.

You can download some great apps like Headspace that will teach you the basics of meditation and if you like, you can pay for different courses that are designed to help with things like stress, anxiety, and depression.

If you haven’t considered it before, these are just some of the ways that meditation can improve your wellbeing in a big way.

Activate Energy Healing

Energy healing is a big part of a lot of alternative medicines and some of the concepts involved can be a big help when you’re trying to improve your wellbeing. Meditation is a big part of that and a lot of people find that they go through a transformation when they start doing it regularly. It’s all about removing blockages in your mind and meditation is one of the best ways to do that. A lot of people that struggle with motivation and self esteem find that energy healing practices, and meditation in particular, can improve their life a lot.

Improve Sleep

Lack of sleep has a big impact on your wellbeing and unfortunately, a lot of us aren’t sleeping as well as we should be. When you’ve got a busy schedule and you’re stressed at work, it’s hard to switch off at night. Often, that’s because people are playing on their phones or worrying about what they have to do at work the next day. But if you meditate for ten minutes before you go to bed, you can learn to switch off and relax properly so you get a good night’s sleep every night.

Manage Pain

We all get aches and pains from time to time and if you’re constantly in pain, it can have a negative impact on your wellbeing. You can always use medication to manage pain but a lot of people don’t like the idea of being reliant on painkillers all of the time. But the good news is, you don’t need to. Meditation has been shown to help people manage their pain naturally without the need for medication.

Fight Depression

So many people struggle with depression and treating it can be very difficult. Medication and talking therapies are both effective ways of dealing with depression but prevention is always the best treatment. There are a lot of different lifestyle changes that you can make to help reduce feelings of depression, but meditation can be one of the best ways. Studies show that meditating regularly will reduce the symptoms of depression and make people less likely to develop depression in the future.

These are just some of the ways that meditation could improve your life and you only need to do it for ten minutes at the end of the day.

Welcome back to the blog! Today, I am bringing you another article on the topic of money and financial health. This topic has been at the forefront of my mind on a daily basis, and I’m sure it dominates your thoughts on the regular, too. It is so important for us to think long-term when it comes to our financial wellbeing. If we want security, we need to plan ahead and be very strategic about the choices we make. Sometimes, all it takes is a shift in mindset to achieve change. Here are ten steps provided by a Hello Lovely Living contributor that will help supercharge your wealth early in life. I hope these give you actionable steps that you can implement right away!

When you’re young, the priorities you have might not seem all that serious in the grander scheme of things. Sometimes you want a nice car, you want to find love, and you want to look great, too. When you graduate, it may even be that you think about finding your dream internship or starting job - and that’s about as serious about the future that you want to get. Most of the time, this is absolutely fine because your twenties are for living, for learning, and for having fun. Yet, sometimes, you absolutely want to think about trying to get a lot more serious about things that are further ahead. When it comes to your career and your finances, you are going to find that the earlier you start, the better. Yet, this can often seem overwhelming.

However, the world of building a lucrative career and growing wealth from an early age can be much simpler than you imagine because it’s the same with everything - the earlier you get started with it all, the easier and more efficient it’s going to be down the line. You know that it’s going to take you a long time to get to where you want to be in your career – especially when you’re in your twenties or early thirties, and the same goes for your wealth. You may not get to where you want to be overnight, but the earlier you start, the better. Let’s take a look at how this can work.

Be Responsible With Your Money

First of all, you just have to begin with being responsible. If you can master this, then any of the following nine points will be painless. Since you have to be financially responsible, you need to be able to manage your own money and not always be asking to borrow from others if you ever intend to be wealthy.

Budget

When you know that you’re ready to be responsible, and you actually want to grow your money, it’s time to create a budget. Take your monthly net salary and divide it up between everything that you pay for. Rent, bills, groceries, clothes, savings, eating out – all of it. By managing your money this way, you’ll have more control over it.

Set Goals

You need to make sure that you’re setting some financial goals because if you want to grow your wealth, you need to be intentional about it. Whether you want to start investing, buy a house, launch a business, travel - anything - you may need to set a goal and then align your financial attitude and actions towards that goal.

Live Within Your Means

For most people, this point seems really obvious, but that’s not always the case. You really do have to live within your means to be wealthy because it’s easy to spend on credit cards and feel as if you can afford everything, but you can’t. You really do have to make sure that you’re only spending money that you have, and this is why budgeting can be so important as it allows you to foresee all of your expenses and set restrictions on your spending.

Spend Wisely

Now, you know that you’re going to spend money – you’re only human - but when you’re buying clothes or groceries or anything else, just make your purchases count. If you are spending wisely and the things you buy are very conscious purchases, you’ll have much more money available to set aside.

Save, Save, Save

The flip side of getting your finances in order and spending well is to then to start saving. First, you’re going to want to start with building a safety net if you don’t have one already. When you have a regular salary, you may wonder why you need money set aside, but it’s important to have an emergency fund in place in case you need cash for any unforeseen expenses that may arise. Additionally, it can get you into a good habit of saving for much larger purchases down the road, like a house.

Plan For The Future

You’re also going to want to make sure that you’re thinking about your retirement. Sure, when you’re in your twenties, this is often the last thing you want to spend your money on because it seems so far away, and you’d rather spend on the here and now, but if you can put away for your retirement now, you’ll have a more lucrative life in old age.

Invest

When you’ve got your savings in place and your retirement covered, you might want to also think about growing your money with investments. You will find that instant access to savings may not give you the best return, so why not make a longer term investment? You could look at tying the money up, buying a property, looking for land for sale, or even other commodities. The idea here is to invest in something that will give you a higher return than instant access savings. If you want to manage your money or your investment income easier, be sure to check out Swissmoney.

Be Secure

Now, it’s important to invest your money early if you really are looking to grow it, but it’s very important to adopt a long-term strategy. Some people think that to invest, you have to bet big to win big, but you may find that the best strategy is to put your money into a reliable stock or bond for a long period of time for the best possible returns. Of course, if you start young, then it’s going to be much easier for you reap larger returns over a much more extended period of time.

Make Smart Decisions

Finally, there’s really nothing more important here than for you to do than just be smart about your money and your financial situation, overall. Always look to save, think about climbing that career ladder and earn more, maybe even consider starting your own money-making endeavors. You know the basics, so stick to them because the smarter you can be about your finances early on, the more financial success you will achieve, and that’s how you build real wealth.

That is it for this post! Thank you to our contributor for giving us very useful steps to get our financial health in order. The sooner we become disciplined about money, the sooner we can begin to benefit from the rewards of it. I look forward to covering more on this topic again soon.

Do you enjoy these types of posts? Let me know what topics you’d like me to cover below.

Normally, when we’re in the midst of a bad situation, we tend to focus primarily on the negative, which is understandable.

However, in order to actually learn from the bad experience or to move forward from it, we actually have to take control over our thoughts and look at what role we have played in allowing this situation to manifest.

Of course, each experience would be different because we obviously can not control certain things that happen in life. We also have to look at how we could have approached the situation a bit differently.

On the bright side of every negative experience, there’s always, as they say, a light at the end of the tunnel. Everything that happens will never last forever, which can ultimately be a good or bad thing depending on the viewpoint you choose to adopt.

For example, when on vacation, you likely want it to never end, and it seems to be over within the blink of an eye. Likewise, when you're in the middle of a difficult situation such as a breakup, you want the pain to be over as quickly as possible. The bittersweet thing is, nothing lasts forever, and we just have to appreciate each moment for what it is.

With every bad situation, there definitely comes a learning experience, so instead of focusing on the negative and what happened to you, try to develop some good thoughts around the situation, and look at what the positive outcome was - no matter how small.

Realistically, it’s not always easy or possible to be optimistic during difficult times, so if you’re really struggling with your mood and not being able to look at the positive side of things, then you may be dealing with something like anxiety or depression which requires treatment. This can be treated in various ways - through medication, therapy, or even natural and alternative methods like you’ll find at places such as bud express.

Although during the time you are going through something, it may be hard to see when you're in the midst of a bad situation, the answers are definitely there if you look hard enough. It won’t always show itself in the most obvious of ways, but you can be assured that that it will always make itself known over time regardless of you seeing it right away or not.

One way of looking at things (and changing your perspective around the situation that you're in) is to journal and show gratitude for every experience that you have.

For example, you may have a really bad cold or flu that makes you feel lousy and prevents you from doing something that you had planned, so that puts you into even more of a state of feeling sorry for yourself and not feel good in general. Instead of focusing all of your energy and thoughts on your bad feelings, take to your journal and be grateful for the fact that you don't have a serious illness that prevents you from living your life in the long term. This is only a temporary experience in the grand scheme of things, and you will be back to normal soon.

Changing your mindset can really make a huge difference because it will cause you to start seeing the bigger picture, and you’ll be able to differentiate between the things that are important versus the things that are not. 

Don’t get us wrong, there are always going to be days when you feel bad. Nobody's saying that you should put your bad thoughts away or that you should not be allowed to feel down or negative about anything, ever. That’s absolutely not the case, and you wouldn't be human if you didn't have days like that.

The truth is, holding onto negative emotions just does not benefit you in the long run. It’s not healthy to constantly sit and wallow in the negative thoughts and things that are going on around you.  Be grateful for the small things that are good, and you’ll find that you’ll soon start to attract more of those same things that you want to receive into your life.

How do you stay positive throughout life’s challenges?

Last month was my birthday, and the reality hits me every time another year passes that my time is getting shorter and shorter on this earth. I know. You must be thinking I’m crazy for being so dramatic. Heck, you probably think I’m still in my 20’s! #iwish

I may still be in my early 30’s, but I feel like the years go by faster these days than any time in my life. I can’t help but think about the value of time more seriously and try to come to terms with how I am not getting any younger with each day that passes. Just as I can’t come to terms with how my children are growing so fast and getting older, I look at myself and realize that I have less time to be here to enjoy them and life itself. I am so much more aware about how limited time is that it has become something that I think about a lot these days.

For purposes of being more dramatic, here is a note to my boys that I thought I’d share: Dear Kodi and Uriah, If you every get a chance to read this, although it is a little early to be having this conversation, I want you to know that I am getting OLD(er), and although I may be considered “young” right now, one day I will lose my strength and need you both: my two strong boys to come to my rescue. One day, I will be the one needing you both more than you need me. Ps. On a lighter note, I hope you both give me a gazillion grandkids! LOL

via jasminedowling

All joking aside, I also think about my mom and how she is getting older too - even though she never seems to age! I think about how I want her to start enjoying her years more and to finally be the one who is cared for at this time in her life. I wish she didn’t have to worry about anything anymore and that every burden could be lifted from her. Now that I know what it is like to be a mother, I can say that I have walked a day in her shoes and that she deserves the world for keeping it together all these years.

I remember how my mom cared for my grandmother, and how she lived to be 92 years old. Seeing my grandma reach the age where she was changing mentally and physically really took a toll on me. I remember visiting her one day and dropping off a flower arrangement I had made in one of my college classes. I didn’t get to give it to her directly because she was resting at the time, but I just remember hoping so much that she would know how much I loved her even though she wasn’t able to understand things like she used to.

With all that said, let’s not forget about our parents and our elders and really think about ways that we can help them, even in the smallest ways. What can you do today that could show your parents or elders how much you care for them? Here are a few ways to show concern and care for them as shared by a Hello Lovely Living contributor.

Look Up Helpful Information

Thanks to the internet, we can find out about pretty much anything we want. There are hundreds of articles and videos that can explain how our parents are feeling as they age, what they can do to keep busy as the years pass, and how you can contribute to their life at each stage.

Simply Visit

Just showing up and being there for them can mean so much. In some cases, a lot of seniors are left isolated in their homes with nobody to talk to, and it can be a sad existence. Being social is very healthy for the mind, and being around others regularly can do a world of good for them.

Hire A Care Service

If you’re finding it a little difficult to do things yourself, you can always get the help of professionals. There are specialists near you who have worked in senior home care for years and will be able to shift the weight off your shoulders and ensure your loved one’s safety at all times if there are things that have become overwhelming to handle on your own. It can save you a lot of stress, and you can use the time you do have with them to simply enjoy each other’s company.

Help Them Feel A Sense Of Purpose

As people get older, they find that they can’t exactly do things they could before – and if they were passionate about them, it could bring them down and make them feel like they don’t have purpose anymore. Try to help them find new hobbies and interests that can lift their spirits and bring smiles.

Keep Them Active

If they are still somewhat able, perhaps encourage them to go for walks – maybe even jogs if they can. If they are unable to move well, there are still many exercises that older people can do to keep the blood pumping and the endorphins releasing. It might be a struggle, but it’s obviously way better for them than just sitting around.  

Keep Them current With Technology

Technology is advancing quickly, and many people are utilizing the newest tech. It’s not essential, but maybe introducing them to the latest gadgets and updates can be of interest to them. The new tech could help them keep in touch with friends and family, and they won’t feel as intimidated about learning about it with your help.h

via romanrochelle

I hope you enjoyed this post! Our elders need us more and more as time goes by. I hope you will reach out to someone special in your life and show them just how much they mean to you. We have such a limited time to do it, so why not do it today.

What is one thing you can do today to show your elders you care?

I am back with another article on the topic of careers. If you haven’t read my previous article, Career Growth Tips For The Career Driven Woman, then click over after this one as it will be another helpful article on this topic as well.

Today’s article is all about getting you to take action if you have been on the fence about starting a new career or advancing yourself in your current one. This article is brought to you by a Hello Lovely Living contributor who is sharing this helpful information for all the career-driven ladies out there. I hope you will find it helpful!

Life is full of big and small surprises. Sometimes we may feel like the path we chose, originally, isn’t quite right for us after all, or we might just have closed an important chapter already and feel ready for a brand new one.

Nonetheless, it’s the perfect time to reset your brain a bit and try to think about everything you’ve wanted to do. Going from a stay-at-home mom to starting a small business, for example, can be a huge transition, but it’s also a lot of fun and definitely a risk worth taking.

Similarly, you may want to change your career field after struggling away in the same job for years. While it may seem difficult to overcome, at first, it’s a challenge that will make you grow both personally and professionally.

Here is a handful of ways to get started on something new with your career so that you can feel like you’re heading somewhere more rewarding. It won’t necessarily be easy, and you will have to be prepared to put in a lot of work, but the end result is within reach.

First: Use your contacts

Sure, getting started with a brand new career can’t be done overnight, but with the right contacts, the whole process can be so much easier. If you try to see this whole networking process as a way of making new friends and gaining new acquaintances, it won’t feel that awkward.

Keep in mind that the people you will meet might want to boost their own careers as well. It’s an advantage to be aware of this, though, as it opens up a lot of new opportunities, and it will make it a bit easier to build meaningful connections. Go out there with the intention of helping others as well, listen to them when they talk, and try to be interested in them rather than trying too hard to be interesting.

Just like you, these people are out to make career connections and get ahead in life. Take their needs into consideration as well, and try to see if you’re able to help them. The chances will be much higher that they would like to help you in return if they sense your genuine desire to help from the start. 

Another point to this is that networking is something that doesn’t just happen at regular networking events. You could build a few more connections in the company you’re already in, for example, or reach out to the people you know who are in the field you’d like to break into.

See all the interactions you have with other people in your field as a type of networking, and you might be able to get a serious career boost out of it.

Next: Broaden your knowledge

There is no denying that those with a bit more education tend to have a better chance of getting a job interview. They will also have a higher salary, which should make it even more enticing to pursue that degree you’ve been thinking about. With the availability of online courses, pursuing something that you know is sought-after in your career field is simply a click away.

A particular form of computer literacy, for example, or even a master's in lean manufacturing to build on your existing bachelor of science could be just the advancement you need. The great news is, of course, that you can take many of these courses and degrees online to make it easy to fit into your existing schedule.

The good thing about online courses is that you won’t have to compromise in terms of your full-time job or your family, and it’s going to be much easier to follow through with the goals you’ve set for yourself.

However, to achieve the set goals, you must keep yourself motivated and encouraged. Because pursuing a degree alongside a full-time job may sometimes feel exhausting, therefore, you should do different things to keep your morale high.

For instance, you can buy a degree online that acts as a source of motivation. Moreover, hanging it in your room can act as a constant reminder that you have the ability to accomplish your desired objectives. Similarly, treating yourself to solo outings can be a way to express gratitude for the effort you have invested in enhancing your skills.

If you’re not completely sure about which course or degree you should pursue in order to get that promotion or have a better chance at landing your dream job, it’s a good idea to talk to your current employer or just someone you know who works in the field you’re interested in.

They will have a much better understanding of what’s needed and where their businesses are lacking; plus, it’s going to make it pretty clear that you’re the kind of go-getter candidate that they’ve been looking for.

Feeling stuck? Get a mentor

While it’s easy to cough up a lot of different options in terms of boosting one’s career, it’s not always that simple to pick the right one. Pursuing a new degree or spending time taking a course is going to feel pretty meaningless if you’re not feeling 100% sure that this is what you need in order to get that promotion or land your dream job.

An excellent way around this is, of course, to seek out a mentor. There are a lot of different websites you could try your luck with, or you could just approach someone with a bit more experience in your company.

Let them know that you’re looking to learn a bit more about what they’re doing and that you feel that they would be a great person to shadow or to just ask some questions. It’s more likely than not that they’ll be flattered and willing to help out someone who looks up to them career-wise, and you’ll have someone to turn to in case you should feel a bit stuck sometimes.

Keep in mind, however, that whoever you’d like to have as a mentor already has a lot on their plate. Make sure that they know that this isn’t some obligation that will take up a lot of their time, and try to find someone who you already have some form of connection with. This will make communication a lot easier, and your mentor won’t feel like they have to spend a lot of time guiding you through your career, either.

While figuring out which steps you should take in order to get to where you’d like to be can be tricky, the most important thing you can do is to do something. Anything at all, really, and remind yourself that every little step helps and is much better than doing nothing at all.

I hope this article gave you that extra push you need to go after what you want regardless of where you are at in life. It’s never ever too late!

Have you been considering starting a new career or advancing your current one?

At Hello Lovely Living, a large part of my work involves helping women start a new business by creating a brand from scratch. Although I do love this line of work, my passion is in helping, guiding, and offering advice in other areas of business and life, which is why this blog truly exists.

I know how scary it could be to enter unknown territory, so if I can offer my experience as proof that you can get through all of the hiccups of starting a new business, I will gladly do so.

With that being said, today’s article touches on just a small piece of the pie when venturing into running your own business. Many of the things that you will encounter are not as frilly and cute as the branding and visual identity of your brand. Much of running a business requires that you take matters into your own hands and develop solutions to an endless amount of problems.

One of those problems that I have encountered is having to figure out the insurance dilemma as an independent contractor. When you work independently, you are responsible for providing yourself with your own insurance. This means that you will have to do a lot of research about how to get the best and most cost-effective coverage as an independent contractor.

This can be a very time-consuming and stressful process in comparison to if you were just simply employed by a company and provided with your healthcare coverage right off the bat. Not to worry, with the market opening up more than ever before to independent contractors with the rise of services such as Uber, Lyft, and Postmates, healthcare coverage is getting more easily accessible to those who are self-employed.

I know just how hard it can get when it comes to dealing with medical expenses when you do not have insurance. I was without healthcare insurance for quite a while and had to pay out-of-pocket. Although it was rare for me to get sick or need care, it was very stressful knowing that if something did happen to myself or my son, we would not be covered. 

If you are on the same boat as I was at the time, here is some advice to keep those medical costs down or a few things to consider that may help you get to your end goal, which is to get reliable healthcare coverage for yourself and your family.

Look for group discounts

As I mentioned earlier, companies such as Uber, Lyft, and Postmates (to name a few) that employ thousands of independent contractors are leveling the playing field for us all. These companies offer access to third-party services at group discounts, making it easy to save on anything from shopping at your favorite stores to health insurance.

Of course, not all of us will fall under this umbrella, so look into membership benefits that are offered through your bank, perhaps. It’s worth looking into online banks that offer discounts on a wide range of expenses.

Know when to make a legal claim

In situations where you may have been injured or made sick through the negligence of someone else, it’s possible that you may be able to make a legal claim. This could give you access to compensation, which you can then use to pay for the required medical treatment.

To increase your chances of getting your claim accepted, it’s worth using a credible law firm such as this company with almost 30 years of legal experience. Online reviews can often give you a good indicator of a law firm’s integrity.

Pay in advance

Some clinics may allow you to pay for treatment in advance in installments. The overall price of treatment may even be reduced if you’re willing to pay far enough in advance.

This won’t be helpful when it comes to emergency treatment, but it could be useful when paying for planned treatment. Clinics may not offer the option up-front, so make sure to inquire about it when discussing treatment with your doctor.

Shop around for treatment

Different clinics may offer different pricing for the same treatment plan. As a result, it’s worth shopping around.

Additionally, getting treatment abroad can be much more cheaper. However, you do need to factor in the flight costs.

You should also shop around for medication, as this can also vary in price. When it comes to over-the-counter drugs, many people stick to the big brands, but it’s likely that there could be a cheaper off-brand available that is just as effective.

Get health insurance

Getting health insurance is definitely the end goal. Like I said earlier, there are many options available for idependent contractors in 2019. The benefit is that by paying monthly installments, all or a portion of your medical bills can be paid for by your insurer.

You may end up paying more in the long run. However, it will be easier to foresee and budget those costs rather than having to pay out-of-pocket for unexpected medical treatment.

Of course, you should always shop around to find the best rates. There are many companies offering health insurance to people who are self-employed. There are even family plans out there that can insure your whole family.

I hope you found this article helpful and that it offered solutions or gave you a few ideas you can launch off of.  

If you are needing help with starting a new business endeavor, get in touch with me! I offer consultations and would love to help you achieve your goals.

what are some business topics that you want me to cover?

Did you know that household dust exposes you and your family to a wide range of toxic chemicals from everyday products?

A 2016 first-of-a-kind study on consumer product chemicals found in household dust, led by researches at the George Washington University, found that ninety percent of household dust contains ten harmful chemicals.

In the study, indoor dust consistently contained four classes of harmful chemicals in high amounts: phthalates, phenols, flame retardants, and highly fluorinated chemicals. In total, 45 toxic chemicals that are used in many consumer and household materials were found.

The most frightening fact is that the toxic chemicals that are found in dust pose a much higher risk to young children who are more vulnerable to the effects of the exposure on their developmental health. The chemicals from dust are much more likely to get into their bodies and cause harm.

That is not the only reason to be concerned. Dust is a breeding ground for another threat to your health: dust mites. They are microscopic, multiply very fast, and can be very harmful, especially to those who suffer from asthma and/or allergies.

For these very reasons, dust should be taken very seriously, and your exposure to it within your home should be reduced significantly. 

In this article, a Hello Lovely Living contributor shares tips on how to reduce dust from entering into and accumulating in the home. I, for one, need to apply a few additional measures of dust prevention in my home because I am scared out of my mind about the dangers it poses to my family’s health now. I didn’t know just how serious it was.

I hope you will find these tips helpful as well and find yourself better informed about the dangers dust poses to your health.

Take Off Your Shoes

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Did you know that 80% of household dust comes from shoes? For this reason, it helps to take your shoes off whenever you enter your home. When you do this, you can stop yourself from dragging dust throughout your home and you can also keep allergens outside where they belong. It also helps to have a shoe basket as well. When you have one of these, you can collect the dust that comes off the shoes and dispose of it accordingly.

Always Dust Your Doormat

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If you do not have a doormat, then this is another huge mistake. Doormats can help you to trap dust, and they are ideal if you sometimes forget to take your shoes off at the door. It is really important, however that you clean your doormat on a regular basis. To do this, you need to shake it outside, then vacuum over it. When you do this, you can reduce the amount of dust in your home by a significant amount, and you can also keep your home cleaner, too.

Change Your Air Filter Frequently

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Many manufacturers will tell you to change your air filter every 3 months or so. If you change them more often, then this will really reduce the amount of dust in your home. If you can, use disposable filters as these can be thrown away, and they are much more hygienic. AC repair may also be required, because if your unit is not working, then dust will collect and become stagnant, leading to a build-up of allergens in the home.

Avoid Feather Dusters

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You may think that feather dusters are retro, but they really are awful. They don’t remove dust at all, in fact, they spread it throughout the home. If you want to stop this from happening, then you need to use the bristle attachment on your vacuum cleaner to dust down your curtains. When you do this, the dust will be removed rather than being transferred from one room to another. If you find that the bristles do not remove all the dust, then a wet towel is the way to go.

Don’t Forget Those Hard-to-Reach Areas

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Doors and window frames, skirting boards, and underneath the fireplace are all areas that people often forget to dust. If you don’t get these areas, you will find that dust accumulates rather quickly. In addition, some of these areas are prone to humidity, which combined with dust, becomes the perfect breeding ground for mold - yet another health hazard you do not want. You might need to consider investing in mold testing in Indianapolis, IN, and other areas, to ensure that you don't have this problem. In addition, clean these areas at least once a month to prevent dust buildup.

I hope that this article wasn’t too frightening, but sometimes the truth is. To know that we are exposed to so many environmental toxins in our homes is scary. We think of our home as our safe-haven, and we try our best to ensure that it stays that way, but unfortunately there are still so many threats to our health that even we can not avoid, not even in our home.

did you know dust was that serious?