By the time we hit our 40s, we are supposed to have our life completely figured out. We are supposed to have a long-term partner, kids, stable jobs and plenty of money tucked away for our retirement. Well, in reality, maybe some people do. But for many of us, it’s probably more along the lines of ‘winging it’ than ‘winning it’.
We’ve created the following tips to help you towards a happy retirement.
Don’t leave your old pensions scattered around
If you have had more than 1 job, you’re likely to have paid into more than 1 pension. Whilst having multiple pensions may not be bad in itself, it can carry certain risks:
- With several pensions to manage, you are more likely to lose track of any of them and run the harsh risk of completely forgetting about them by your retirement.
- Your pensions will likely use varying strategies to invest your cash, which can lead to inconsistencies and overlaps, fundamentally leading to a poorly balanced investment portfolio and reduce your overall growth potential.
- Your pensions charge a variety of fees, some more expensive than others. This can result in you having to pay more than you need and eat into your growth potential.
Don’t pay in too little, if you can help it
Many workplace pensions are known as ‘defined contribution plans. This basically means that the amount of pension income you will receive in retirement is affected by the amount you contribute (pay in). So, paying in more now will pay off in the long term.
Of course, not everybody can afford to pay large sums into their pension every month. And it might be really tempting to believe that there is no just reason to contribute more than the standard 5% that was likely automatically set up when you linked up with your workplace pension. But paying in even just a little bit more can make a huge difference to your future retirement funds.
Throughout my years as a financial adviser I have found that typically, a 45-year-old with £30,000 in their pension postpaid in £200 a month until they reached retirement at 67, their pension pot might be worth around £120k at their retirement. But if they paid £250 a month, their pension pot may be worth around £140k at retirement. Contributing £300 a month could result in a pension pot worth around £160k.
Don’t lose your pensions
As we get older and the list of our previous jobs grows even longer, the risk of our old pensions becoming lost and forgotten further increases too. This really is no trivial matter either. It is estimated that over 1.6 million pension pots worth over £19.4 billion are ‘lost’. That is calculated at £13,000 per pension – a whole year’s worth of pension drawdowns, to pay for an essential lifestyle.
Fortunately, lost pensions can easily be found. And the quicker you act, the faster you can merge it into your main pension, ultimately making your savings far more efficient.
To locate any lost pensions, follow these steps.
- Get in touch with your former employers and ask them which pension schemes they may have had set up when you worked there. Give them your employee or payroll number, if possible, to help speed up the process.
- Contact the pension providers whose name sounds familiar, and ask them to search your records. You may need to provide your National Insurance number and DOB.
- You can also use the government’s Pension Tracing Service to track the names and contact details of your pension providers.
Centerpiece Ideas for Any Wedding Style
A wedding ceremony concludes after the vows are exchanged and the “I dos” are spoken. However, for most couples, it is when the real party begins. Your reception provides the ideal chance to interact with your family and close friends while lifting a glass in celebration.
There are several elements to consider while arranging your reception, from the caterer to your trademark drink to your escort cards. Among the key features are your reception tables and all of the options for adorning them. Whether you’re planning lengthy family-style tables or spread-out rounds, creating a focal point produces such a stunning atmosphere, and of course, your flower bouquet ball are at the heart.
Looking for something completely romantic? Go for a lot of blooms! As a gorgeous centerpiece, an entire garland spanning the length of the table adds such a lush touch.
Cherry blossoms draw attention with their stunning beauty, and this look nails it. Display tall vases filled with long branches of cherry blossoms for a lovely look.
Even minor changes can elevate your centerpieces. To take your table display to the next level, swap out a traditional white taper candle for a beautiful bright hue.
Lanterns can be used to add light to your tables. Warm wood lanterns paired with a few blooms make for rustic-meets-refined centerpieces.
Looking for an arrangement with a little something extra? To make a statement, use a mix of short arrangements and tall pillars.
Romantic look of a vase
Wedding in the spring? Peonies are a popular choice for many people. We adore the classic, romantic look of a vase filled with pretty peonies that add a splash of color along the way.
Continue with the floral vase theme, but use fewer blooms. This arrangement of pampas grass, ranunculus, and roses adds texture and color without being overpowering.
Not interested in flower vases? There are numerous other options. Mini topiaries are an excellent way to add greenery for a garden vibe while keeping your centerpieces simple.
Looking for something out of the ordinary? Succulents are a great alternative to traditional centerpieces. For a one-of-a-kind look, combine a terracotta plate with moss and succulents.
It’s all too easy to go overboard with nautical wedding details, but not with this look. A simple white knot is the ideal addition to a centerpiece vases for a nautical touch. It can also store the table number!
long-stemmed whimsical wildflowers
Large floral arrangements are no longer the only option for centerpieces. A line of bud vases spanning the length of a long table looks great, with just a few long-stemmed whimsical wildflowers for a pop of color.
Looking for something with a lot of texture that will catch your eye? For added interest, combine lush, bold blooms with tall branches.
Travel to the tropics with your centerpieces! This large, bold centerpiece idea features lush palm leaves and greenery in tall clear vases for a striking look.
Don’t be afraid to bring a little bit of nature indoors, especially if your wedding is in the winter. These candleholders, made with small white votives and pinecones, are a lovely addition to a winter table.
Is it possible to have too much greenery? We don’t believe so! This romantic display of tall greenery pillars truly commands attention.
New wellspring of motivation
Blossoms are without a doubt a big day staple, however that doesn’t imply that they must be all over. Whether pretty petals have previously assuming control over the greater part of your stylistic layout and you’re searching for a new wellspring of motivation or you’re simply not that into a wealth of blossoms (or any sprouts whatsoever!), you might need to think about a shiny new plan thought: highlights without a bloom in sight.
As the accompanying thoughts demonstrate, there are such countless ways of reasoning past blossoms with regards to your wedding focal points. Books, branches, and even figures are a portion of the lovely choices we’ve seen as of late, however they positively aren’t your main decisions for genuinely gorgeous tabletop style.
You can likewise utilize inflatables, candles, wreaths, foods grown from the ground, or even splash painted leaves, as seen on this tabletop, which was planned by D’amour et de Déco here.
￼Which Odor Spray Should You Pick?
You can choose from a number of odor sprays, ranging from Aesop to Zero Odor. But which one should you pick? Let’s find out in this review! Let’s start with the pros and cons of a popular brand: How is it different from Zero Odor? If you’re looking for an odor spray that isn’t based on a brand’s slogan, there are a few brands you should avoid.
Wiff Sniff Blocker
is a scent-free odor neutralizer spray that leaves no scent behind. There are thousands of odorant receptors in the human nose, each of which responds to a particular family of odors. We are the first of its kind to develop technology that eliminates odors. It’s a simple, water-based sprayable formula, that will not leave a scent behind.
If you’re looking for a quality pre-mixed pet odor eliminater, you’ve come to the right place. The newest product from Angry Orange is an industrial strength 2X formula that’s sure to get rid of pet odor fast. This pre-mixed product is sure to work on the toughest odor problems in the most efficient way. Regardless of whether you’re spraying a carpet or a dog, this pre-mixed formula is the best value on the market.
The Simple Green odor spray is one of many different options when it comes to eliminating a foul odor. This odor-remediation solution is also effective against pet odor. These products are manufactured by Sunshine Makers, Inc., a company with a long and stellar reputation. Listed below are the benefits of purchasing Simple Green products. These odor-remediation solutions can be used for a number of different purposes, including cleaning pets, pet beds, upholstery, carpets, and more.
If you’ve noticed the odor in your home, the Febreze Heavy Duty Odor Spray can help. It works to mask unpleasant smells while cleaning away the sources of them. Its OdorClear Technology reaches deep into fabrics, eliminating common odors. Use it weekly on clothing and soft surfaces to neutralize odors. It is especially effective on pet odors. Use it as needed to eliminate pet odors in carpets and rugs.
If you have smelly carpets or rugs, you should give Mister Max ODOR SPRAY a try. It can effectively eliminate unwanted odors in many types of rooms. However, odors can still be an issue, especially when the carpet has a bad smell. The spray comes with an optional P-Bath to remove bacteria crystals and previous cleaning solvents. In addition, it’s a safe, environmentally friendly option for homes and businesses.
RMR-Xtreme ODOR-X is a chemical-free spray that can help eliminate unpleasant odors without leaving a lingering smell. This spray is safe for pets, children, and people with allergies or asthma. It can be used on a variety of surfaces, including carpets, furniture, mattresses, and more. For use in the home or office, this product is suitable for use in areas where chemicals are not allowed.
10 Tips to Minimize Damage to Your Commercial Snow Plows
Business owners know they need to be prepared when the snow starts to fly. One of the most critical pieces of equipment during winter is a commercial snow plow. If you’re not careful with your plow, you can do more damage than good. Here are some tips to help minimize the damage to your equipment:
1. Ensure the Blades are Sharp
This might seem like a no-brainer, but it’s important to ensure your commercial snow plow blades are always sharp. Dull blades will make it harder to clear snow and damage the surface of your parking lot or driveway. Dull blades also lose their ability to grip the snow, leading to more snow being pushed back onto the surface.
2. Be Careful with Curbs and Gutters
It’s important to be careful when using your commercial snow plow near curbs and gutters. The blades can easily catch on to these objects and cause damage. If you must plow near curbs and gutters, be cautious and use extra caution, or you may require snow plow replacement blades sooner than you think.
3. Avoid Hitting Obstacles
This tip goes hand-in-hand with the last one. In addition to curbs and gutters, you’ll also want to avoid hitting any obstacles in your path. This includes things like fire hydrants, signs, and light poles. Hitting these objects can damage your commercial snow plow and cause serious damage to the object itself.
4. Don’t Overload the Plow
If you try to plow too much snow at once, you could end up damaging your commercial snow plow. The blades could bend or break from the weight of all the snow. It’s important to plow little by little to avoid putting too much strain on the equipment.
5. Use the Right Blades
There are different types of commercial snow plow blades available, so it’s important to use the right ones for your particular model. Using the wrong blades can lead to damage and decreased performance. Be sure to consult your owner’s manual or the manufacturer to determine which blades are best for your plow.
6. Keep the Plow Clean
It’s important to keep your commercial snow plow clean, both outside and the inside, since a build-up of dirt and debris can eventually lead to damage. Be sure to clean off the plow after each use and inspect it regularly for any signs of wear and tear.
7. Inspect the Plow Before Use
Before you start using your commercial snow plow, it’s good to give it a thorough inspection. This will help you identify any potential problems that could lead to damage. Before using the plow, be sure to check all the parts, including the blades. This will help you avoid any unexpected repairs.
8. Store the Plow Properly
When you’re not using your commercial snow plow, it’s essential to store it properly. This will help prevent any damage from happening while it’s not in use. Be sure to clean the plow and dry it completely before storing it away. You’ll also want to ensure you store it safely so it won’t be hit or damaged by other objects.
9. Don’t Use It for Other Purposes
Your commercial snow plow is designed for one purpose – to remove snow effectively. Using it for other purposes, such as shoveling dirt or gravel, can damage the blades and other parts of the plow. Only use your plow for its intended purpose to avoid any unnecessary repairs.
10. Follow the Manufacturer’s Instructions
It’s important to follow the manufacturer’s instructions when using your commercial snow plow. These instructions are meant to help you use the plow safely and prevent any damage. Be sure to read the manual before using the plow and follow all the instructions carefully.
By following these tips, you can help minimize damage to your commercial snow plows and keep them in good working condition. Damage to snow plows can be costly, so it’s important to take the necessary precautions to avoid it.
Kids Sunglasses: Everything You Need To Know
Sunglasses are not only important to make your kids look cute but also to protect their weak eyes from the damaging rays of the sun. Sunglasses are particularly a necessity for your toddlers because eyes and the skin around their eyes are much more sensitive as well as delicate than the adults. Besides, kids sunglasses are a proven protective shield for your child’s valuable eyes in the present and the future.
Do you want to develop lifelong sun-healthy habits for your toddlers? If so, baby sunglasses play a vital role in doing so. Your Kids sunglasses are not just an accessory for giving an engaging and appealing look to your toddlers but also for their health & safety of them. In addition, to offer effective UV protection and prevent your kids’ eyes from long-term damage, it’s very important to choose sunglasses carefully.
Babies are curious, so it’s very hard to get such sunglasses that not only stay in place, fit & feel good, but also they actually wear them. It is best to purchase sunglasses made of polarized lenses to protect your toddlers’ eyes from a high percentage of UVR, high-energy visible blue light and their delicate facial skin from the sun. With the help of the most durable and comfortable sunglasses, you can protect your little one from the risk of macular degeneration that can cause permanent vision loss.
Do you want to be a great parent? Are you going to invest in high-quality sunglasses for your kids? Or do you want to help your kids have healthy eyes for the rest of their lives? If so, keep reading this blog to know the most crucial things or information that you need to look for in the sunglasses for your kids:-
- You need to make sure that your child’s sunglasses are dark:-
Are you planning to get baby sunglasses Australia? If so, there is a requirement of choosing such sunglasses that block all of the UV light from the sun at all times and are supposed to be entirely dark. In addition, you also need to ensure that when your kid wears the glasses, their cute eyes are not visible to you.
- Confirm that the sunglasses have Spring Hinges:-
Do you want to secure your kids’ sunglasses properly? If so, buy them such glasses that are fitted with spring hinges. This way, the spring hinges help your children hold the glasses in place, as they always move up and down.
- Be sure that your kids’ Sunglasses are Impact-Resistant:-
Do you know which sunglasses are the best for your carefree angels? If not, you need not worry. There are polycarbonate sunglasses that are the greatest choice to opt for. With the help of these sunglasses, your kids’ eyes become able to handle the environment because these sunglasses are of tough as well as delicate nature.
- Get large close-fitting frames for your cute kids:-
Are you looking for sunnies to protect your toddlers’ eyes from UV rays and debris from the environment? If so, the relatively large sunglasses enable you to cover up your kids’ eyes from every damage. Moreover, sunglasses with wrap-around features are also good as they can stop rays from coming in the sides of the frames.
- Look for sunglasses that have elastic bands:-
Are you looking for sunglasses that provide you with a guarantee to protect your kids’ eyes from harmful rays? If so, sunglasses with an elastic band are the ideal accessories as they extend from one end to the other. Furthermore, there is also a requirement to look for sunglasses with soft and comfortable bands to enable your kids to wear and slide them on & off with much ease.
Hopefully, this blog will help you to know every little information that you must know about
your kids sunglasses.
Hair Loc Gel for Dreadlocks
It is important to retwist your locks at least once a month to keep them healthy. You can do it by using Loc and Retwist Gel by Loc God, and it can be purchased online. To avoid any problems with your locks, it is best to wash your hair at least three times. This will help to prevent unraveling. Once you have your locks retwist, you can apply the retwist gel to the roots.
Retwist hair loc gel helps to provide the strongest hold possible while nourishing the hair. This formula can also be used for starter locks or for retwisting your dreadlocks. The product’s formula delivers moisture and holds without the risk of building up or flaking. It contains natural ingredients and is alcohol-free. If you want a lighter gel, you can choose a natural one with only 12 ingredients.
The best lock gel for dreadlocks is made from all-natural ingredients, so it can help protect your hair from breakage. It also contains green tea extract and coconut oil to maintain healthy hair. It is ideal for maintaining healthy dreadlocks as it prevents breakage and preserves their edges. A gel with these features will help you avoid wasting time and money on expensive hair products.
If you are not a professional, you may not be confident enough to do the retwist on your own. Retwist hair can take anywhere from two to five hours. The length of time depends on your skill level and the type of hair you have. An experienced loc retwist can complete the retwist in a few hours. It is recommended to set aside some time for practice.
To prevent breakage, you can also apply locking gel containing nourishing ingredients. This will prevent breakage and promote hair growth. Locking gel is better than wax formulas as they tend to build up and make hair look dull. Popular locking gels include Loc and Retwist hair gel by Loc God. This brand is known for its stronghold and ease of twisting difficult hair.
Benefits of using retwist gel instead of wax
There are several benefits of using retwist gel instead if you’re considering retwisting your locks. It lasts for about 4-6 weeks, but your decision will depend on your preferences and the health of your locks. A retwist can last longer than a new device by following a few basic rules. First, make sure to retwist wet hair. Once completed, you should wash your hair to ensure that the retwist gel is fully set.
Tips for cleaning hair before using loc gel on hair
The best way to prevent a buildup is to wash your hair before applying loc gel. Avoid wax, shea butter, and other cream-based products, as these are too thick to be water-soluble and will cause your hair to become greasy. Overuse of these products will also clog pores, which can lead to dandruff and hair loss. Here are three tips for cleaning hair before applying loc gel:
Wash your hair on a regular basis. You may use a one or two-step wash method, depending on your hair’s length and thickness. Start by wetting your hair and massaging the roots. Next, work your shampoo into your scalp and locks. If you have long locks, make sure to rub the entire shaft of your locks together. Afterward, rinse your hair thoroughly and apply a clarifying conditioner.
Rinse your hair frequently with apple cider vinegar. This will not only soften your locks, but it will balance your scalp pH and help you loosen knots. Do not wash your hair more than four times a week. You should also avoid washing your hair more frequently than three to four times a week, as this will cause bacteria and mildew to grow. If you want to wash your locks less frequently, you should wash them just twice a week or less.
Remember to separate free-forming locks every day or two, as these can cause unnecessary stress on your scalp. If you are unsure how to separate them, try brushing them using your fingers. Doing so may help you identify the right dread hairs. Wearing your locks in a ponytail will place unnecessary tension on your scalp. If you feel pain or irritation on your scalp, you probably have too much tension.
If you decide to use loc gel on your hair, you should learn about the five stages of loc growth. The stages are a starter, budding, teen, and rooted. Understanding each one can help you maintain your new locks more successfully. It is also important to know when to wash your hair, as the time between washing and reapplying products can lead to dreadlock damage. You should also choose a shampoo for your hair, which will work to keep your locks moist and clean.
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