Our uncertain lifestyle is having a big impact on our health. Our sleeping pattern is especially making our days hard to live. Some days when there is no back pain, a person can sleep in a preferable position but when there is pain in the back, it disturbs the sleep. Not only that, our daily work activities also put pressure on us. The person who does single hand work like house floor cleaning, bending down to clean the tight corners of the house and brooming underneath the house furniture and tools to make it look polished. All such activities put direct effect on the back which is not good at all.   People are way too lazy when it comes to taking care of their own health. If there is any pain, they tend to take medicine, ending up doing exercise without the expert consultation, sitting constantly in the chair for work and sleeping in most bizarre positions. Our back suffers a lot from these, as a result we cannot have a painless body.   But when the pain gets too much and painkillers or other ways will not give a good solution. then the problem cannot be avoided. Taking heavy painkillers is a go-to for every age but it is not always a good idea to take medicine without the expert opinion. It can help in mild pains but it is not helpful when pain goes out of patient level.   However, a person might wonder if back pain is a serious issue to consider, well certainly it is. Some reason to this is:   If back pain is not treated under expert doctors, then it can be fixed for life time. Back and spinal cord are related so if there is back pain the whole-body surfers with discomfort. It can invite serious problems and may need surgery if the case goes out of hand.   For that, the most dependable option is to visit spinal surgeon Basingstoke. Most importantly, they can help to get rid of back pain quickly with some effective experience and suggestions. So, if a person is having lower back pain, better should see an expert spinal surgeon.

Dermal fillers are a great way to plump up areas of the face that have lost volume due to aging or other reasons. They can also be used to add volume to lips, cheeks, and brows. Dermal fillers are injected into the skin using tiny needles. Dermal fillers come in two types: hyaluronic acid (HA) and collagen. HA fillers are typically used to smooth out wrinkles around the eyes and mouth. Collagen fillers are usually used to add volume to the cheeks and lips. Hyaluronic acid fillers are the most common type of dermal filler. These fillers are derived from natural sources such as the human body and are biodegradable. The FDA has approved them for treating moderate to severe facial lines and folds. Collagen fillers are less commonly used because they take longer to dissolve. However, they provide long-lasting results. They are often used to treat nasolabial folds, marionette lines, and lip augmentation. Dermal fillings are not permanent solutions. They will fade over time if you do not use them regularly. You may need more than one treatment to achieve your desired result. How Do I Know If My Skin Is Healthy? Your skin is your largest organ and it’s vital to your overall health. It protects your internal organs by keeping harmful bacteria away. Your skin also helps regulate your body temperature and regulates water loss through perspiration. When your skin isn’t healthy, you could experience dryness, itching, redness, and inflammation. If you want to know how your skin looks and feels after using Dermal Fillers in Hammersmith, then visit primabritannia.co.uk.

Balcony and indoor gardens are getting very common and attractive these days. Those who love gardening would love to make a wide collection of plants to keep at home. However, the space is limited and we will need to make some arrangements to keep them. This is why wall hangers or grids are getting popular. Mostly, people look for hanging plants to make a decoration that will be green. Besides, these plants are easier to grow and will look bushy over some months. Hence, it is better to keep them in hanging pots. However, it won’t look good to make several holes on the wall for hooks. Alternatively, we can place a single grid or hanger on the wall for several plants at a time. These are quite easy to find and don’t cost much. In addition, we can also make a nice decoration by using them. Even though an iron hanger will come to mind first, a plastic grid is a much better option. This is because iron is prone to rusting after a few days due to rain or other damages. So, while these are stronger to hold heavier pots, they won’t last long. Besides, a rusty hanger will look ugly on the wall. On the other hand, plastic will last longer due to the materials with no damages on the exterior. Plastic is also strong enough to hold many plants or other items at a time if the grid is set properly. The best part is, these grids come in different shapes and sizes according to use. So, we can choose a unique shape to enhance the beauty of our interior. In addition, such grids also work for creeper plants that need support for an upright position or growing properly. Select a good color like black or dark green, and with a protective coating. So, when we put our plants on this, the garden will look more organized. Then we can go for further plants to keep in the garden. But take good care of both the plants and the hanger such that it lasts longer.

As a gardener, there is much maintenance work that has to be done to maintain it. Weed removing equipment, lawn care equipment, and other garden tools are needed. A person loves the garden so much so he has to come across some works as with no time there can be weeds all over and insects might damage the lawns. For that, a lot of equipment is required which can be a costly option for a garden owner. In this case, the most suitable option to choose is renting equipment for temporary purposes.   Well, the time has taken a huge turn where now a person does not need to purchase equipment for different purposes. The most common option is renting various tools for a certain time with a fixed amount of cash. Plant hire is a vastly common option that has got massive popularity among the people. There are advantages that suggest why people prefer to go for plant hire Leeds.   However, the market has changed a lot compared to the earlier times, where a person used to purchase machines, use them for a certain time, and then sell it for profit or loss price. But, now as there is a renting option available, people tend to prefer it. Some reasons on why plant hire is an affordable option to prefer for the garden owner, are:   Expensive   If a garden owner buys equipment for specific garden needs, then it might not be needed after a while. Machines are very expensive these days so hiring for an amount is more affordable than purchasing.   No storage issues   Storage for a long time can be a problem even if there can be maintenance costs if the equipment is getting old or being unused so if a person is going for plant hire, then they will take the tool after use, so no need to store.   Various choice   At an affordable price, a garden owner can get renting equipment at a good price with lots of choices of tools.    These were some of the main causes that shows plant hire Leeds in as affordable option to prefer for garden owners.

As the time evolved there have been many changes that have been implemented by the new business entrepreneurs. Everything is now technological based, the valid proof of these is online marketing.  Businessmen prefer to go for online marketing which is effective yet costly in many ways. For entry level markets it is necessary to save money and market as much as possible as the sales margin should also be high.   There are many ways now entry level markets make their position. There is no doubt that the market is huge as well as competitive. So, there is a first chance to make an impact on the market as there is no second chance to stand up to this position. The main motive is to make money in an efficient way so that the business gets going and sales come in a good flow.   In this case, a reliable option to choose is door hangers marketing. Door hanger delivery can be a nice and budget friendly option to choose as they come in rectangular shape and often hang in the door. If a business wants direct marketing, then this is the one as it is the best option that will suit new and entry level markets.   Well, there are some visible benefits of using door hangers, these are:   Door hangers are simple in design but can put a big impact on a customer's mind and eyes as they can be seen and it is a very straightforward approach towards reaching people.   It does not need any folding, decoration, nor binding or anything as these are door to door can be kept or hung anywhere. They are very quick and easy to distribute to the customer's house or hand.   It can be considered as a best idea for entry level markets for targeted marketing as it can be easily reached to the person of specific purpose. Even they can be customised with many different designs so a customer may get attached towards the design as well.   All in all, these were some of the benefits of door hangers thus it proves its importance by that. So, entry level markets or new markets should apply this door hanger delivery system.  

Headaches are an unpleasant side-effect of the human condition. The headache is one of the most common conditions in adults, with about 35% of people experiencing a headache at some point each year, and just over 10% suffering from chronic headaches. Headaches can be caused by many things, but often they stem from a lack of sleep, dehydration, a change in the weather, or stress. This blog will teach you how to identify and treat your headaches without medication.   The Top Causes of Headaches The most common causes of headaches are: Lack of sleep, Dehydration, Changes in the weather, and Stress. These four factors can cause the pain associated with a headache. However, there are also many other potential causes that may cause a headache such as: Food sensitivities, Chemical exposure, Allergies, Sinusitis, Migraine or Cluster Headache. A headache is usually a symptom of another underlying issue. If you experience a headache for more than three days without any relief from medicine or natural remedies it's time to make an appointment with your doctor.   How to Treat a Headache Without Medication If you're reading this article, then you've probably experienced a headache at some point in your life. Maybe it's chronic, or maybe it's just once in a while. Either way, you're not alone. Headaches are very common and can be caused by many things. The best way to determine what is causing your headache is to keep track of your daily habits. Doing so will help you pinpoint the cause of your headaches and know how to avoid them in the future. For example, if you consistently get headaches after drinking coffee, then it may be time to cut back or find another method of relaxation that doesn't involve caffeine. The most effective treatment for headaches without medication is resting until the pain has subsided completely. This means taking care of yourself and sitting down with something relaxing like Netflix until the pain goes away. Additionally, taking an over-the-counter medication like ibuprofen for minor aches may help alleviate some discomfort as well as an ice pack for more serious cases. how Dr Salloum, Headache Specialist can help you?   Dr. Salloum is a headache specialist and a headache clinic in Tampa, FL. He has extensive experience in treating patients with all types of headaches.   His approach is to treat the underlying cause of your headaches rather than just treat the symptoms. He has been able to help many people with chronic daily headaches, migraines, cluster headaches and other types of headaches. If you live in or near Tampa, FL and have been suffering from chronic daily or severe headaches for more than three months, please call to make an appointment at his office today!     Conclusion Headaches are a common problem that affects millions of people every day. Luckily, their causes are typically easy to identify and their treatments are often easily accessible. With the right care, you can stop headaches in their tracks. The next time you get a headache, start by identifying the root cause. Once you’ve determined the source of your pain, you can take steps to treat it without medication. You may need some time to recover, but it’s always better to prevent a headache than to treat one.

Upholstery velvet is a type of fabric that can be used to make furniture and decorate items. It’s most commonly found in formal, luxury items. It’s made out of 100% polyester which makes it durable, easy to maintain and breathable. Why should you care about this material, though? The Top 5 Reasons to Choose Upholstery Velvet Choosing the right fabric for your furniture is an important decision. It not only determines the look of your space, it also makes a statement about you and your tastes. Upholstery velvet is a luxurious fabric that can be used for many purposes such as creating window treatments and adding color to rooms. It comes in more than 70 styles with a variety of textures and colours that will help you get creative with your decorating ideas. In this article, I have listed the top 5 reasons to choose upholstery velvet fabric. How to Select the Right Color of Upholstery Velvet for Your Home When it comes to choosing the right colour of upholstery for your home, you will have to do a lot of research. There are many factors to consider when selecting the perfect colour. Upholsteries come in different colours and fabrics. From wallpapers to carpets, you need to consider how much light is reflected off it and how long it will take for the material to fade before deciding on a colour. When you want to change your sofa or some other furniture in your house, there are also many factors that come into play when deciding on the right colour. How to Clean and Care for Upholstered Velvet Furniture Velvet is a unique fabric that has the qualities of both fabrics - it's soft yet luxurious. But as with anything, velvet can get dirty and wrinkled from use. It's important to keep your upholstered furniture looking new as often as possible. Here are some tips for keeping your velvet clean and pristine: - Use a gentle detergent and warm water to clean the fabric. Avoid harsh chemicals for this kind of fabric. - Dry the velvet on low heat only so the fibres don't become damaged in high heat or sun exposure. This will also help prevent fading from UV light exposure - which is a common problem when cleaning outdoor fabrics in high heat settings or in direct sunlight. Tips on How to Use and Store Upholstered Velvet Many people are not aware of how to properly store upholstery. How many times have you seen your favourite velvet bed or couch get wrinkled? A lot of people would say that it’s impossible to store upholstered velvet in a proper way, but that’s not true. This article will show you how to use and store upholstery for its longevity. When storing a piece of velvet, it is best to place the piece flat on top of another piece so that the wrinkles can be ironed out without causing creases into the fabric. It's also best to leave out any other items that could cause damage, such as an iron or vacuum cleaner. If you put away your upholstery while still damp, it can make the fabric wrinkle more easily and The Best Places to Buy Your New Beautiful & Affordable Upholstered Design You might be wondering whether you should go to a physical store or to an online store. It is always good to check the prices and availability of different items before making a decision. We have compiled a list of the best places where you can find affordable, beautiful, high-quality velvets at unbeatable prices. The advantage of buying from an online store is that it provides you with more options. You are not restricted by your physical location and can find stores across the globe. Many people are still unaware of these stores as they haven't seen them in person yet - but that doesn't mean they cannot be found!

Far from being dead, email marketing is alive and kicking. If you play your cards right and meticulously craft every campaign, it will deliver incredible ROI. A business can stand out more by using email marketing. It makes customers aware of the latest items and offers. Except for the never-ending messages between Halloween and Christmas, people don’t get too many emails. Email as a marketing tool isn’t dead, but some practices are outdated and don’t provide value, as they once did. As you’re getting ready for 2022, start the new year strong with a robust strategy designed to help you secure more leads, sales, and engagement.   Use Emojis and Symbols in Your Subject Lines  An impersonal subject line can feel spammy, irrelevant, or downright annoying. Given that subject lines can make or break open rate metrics, it’s necessary to implement change. The solution is to provide room for emojis and symbols. Not only do they grab attention, but also improve the chances of your emails being open. It’s worth taking the extra time to personalize the message. It’s easy to dismiss emojis and symbols thinking they’re unprofessional. Well, you won’t ruin your reputation as a qualified expert. Regardless of your take on using emojis or symbols in the professional setting, you can’t deny their usefulness.  You can use emojis and symbols in the email text as well. This way, it won’t look like a marketing message but a personal story. Using emojis and symbols is as simple as copying them from a website or document. You should carry out a test and see how it looks in over 30 client emails. Send one set of emails to some of the subscribers and another set of emails to other subscribers. See which campaign draws in the best results. People sue different email services, such as Outlook, Gmail, and Yahoo. They don’t all render messages the same way.  Ensure Your Email Marketing Is GDPR Compliant The general data protection regulation has a direct impact on marketing practices, particularly email marketing. The marketing team at Honda experienced hefty fines from the UK’s Information Commissioner’s Office regarding their use of email data. To be in conformity with the law, make sure that your email marketing is GDPR compliant. Personal data should be processed in a way that guarantees security, including protection against unauthorized/unlawful processing. Needless to say, you should obtain GDPR quality consent from every individual so that your database can move forward. Consent represents a statement or an affirmative action concerning the processing of personal data.  Here are some key points to keep in mind:  Make sure your prospecting is targeted and appropriate Show you have a legitimate interest in your email copy Streamline unsubscribing and opting out Regularly clean up your database Be ready to respond to GDPR complaints Individuals are on the lookout for companies that don’t send marketing emails correctly. What is worse, they’re making claims in court. It’s recommended to hire a specialist if your business needs ongoing help with marketing campaigns. They’ll offer you a fresh perspective on things. Certain scenarios raise additional information management challenges.  Choose The Right Words At the end of the day, it all comes down to the words that you use. If you don’t want to make a bad impression, avoid using words such as free, last chance, or available. The messages you’ve worked so hard on will be ignored, forgotten, or deleted. It’s a mistake to flood people’s emails with repetitive offers. Here are some things to steer away from:  Superlatives Numbers Days of the week Deceptive familiarity Internet slang words It’s important to remind the audience that they’re part of a group. More exactly, you can use a phrase such as “exclusive partner”. You can’t even imagine what effect it can have. If you want to increase engagement, encourage individuals to interact with the material and spread the word around. Just imagine what you can accomplish if people share the message with their friends and family. If you stir up emotional responses, you can create an email campaign that does more than inform.  Use Templates That Are Mobile-Friendly According to the forecasts based on the number of mobile users worldwide, the number is likely to rise to 7.26 billion in 2022. When people check their emails in the morning, they do it from their phones. As a result, you need to use templates that are mobile-friendly. Your messages will be deleted on the spot if they’re not mobile-friendly.  People spend countless hours on their mobile devices, meaning that you have a better chance to reach your audience throughout the day. Using mobile-friendly designs results in higher click-through rates. People will click at least one link in your email.  The subject line shouldn’t display more than 30 characters. When writing email copy for mobile devices, keep things short and to the point. Format your content with headers, bullet points, and small blocks of text. Attention needs to be paid to the fact that not all mobile phones display images by default, so make sure the message makes sense even if there are no pictures. Finally yet importantly, use CTAs. These simple, but very powerful buttons separate good emails from bad ones. Individuals tend to read emails from the top left to the right, so it makes sense to place the CTA there.  Be More Inclusive  At present, great emphasis is placed on diversity, equity, and inclusion. Is diversity reflected in your marketing materials? If not, you’d better take action. Make sure your images represent all people and your language doesn’t promote stereotypes. Rather than using gendered pronouns, use the gender-neutral they. It’s embraced by members of all communities. Don’t give the impression that you’re trying too hard. Some people might feel offended. The more you know about your customers, the more you can relate to them. You can resort to questionnaires, social media polls, and so on, to try to find out more about your target market. If inclusion isn’t a tangible part of your brand, you’ll lose customers.  

Our health can be unpredictable at times where we ourselves do not know what is going on in the body. Now things are a bit changed because the pandemic has bought a big impact on our lives. Where having food, money, and medical devices is very necessary to have in the house. These not only can protect also it can be helpful to have in the needy time. Be it near ones or any other persons,   Medical devices are so important to have these days as they can help in serious times. Some of the important medical devices are thermometers, pulse oximetry DS100A, and other medical accessories. The time has taken a huge shift as now wearing a mask is important to be saved from corona variants. COVID 19 is a huge threat to humankind as it has been taken uncountable lives and at one point the death rates were so many that there is no space for burial.   However, government from all counties has taken many initiatives to get control over the disease. But people do not abide by the rules which are very wrong. In this case, medical devices have been a great help to people who have them in their houses. As one can get affected by Covid - 19 by that a person can get into a heavy fever. So, it can be said medical devices are so helpful a person can get health updates. Some of these are:    Sensor DS100A   By this one can know their pulse rate within no time, It is crucial for a person to be alert and have this one in the house.   Thermometer   It is an important device as a person can know whether the person has a fever or not. If there are fever symptoms then better to take medicines and protect from getting into a dangerous fever.   Pulse oximetry   Pulse oximetry can be a great help in needy situations as it helps to monitor oxygen saturation over time. Also, it can provide great benefits to patients that have chronic respiratory or cardiovascular conditions.   All in all, having medical devices provides huge benefit to human body, thus it’s worth to have it in the house.

For a business proving goods to the customers is the biggest challenge as if they receive it well then, all the hard work pays off but if the goods turn out to be faulty then all the costing, expenses, hard work, and packing goes vain as customers tend to return such products. It is one of the prime concerns for business owners that customers receive the products fit and tidy.   There are so many modern technologies that have been used to provide extra safety to goods in packings. The business chooses many packaging tactics to satisfy the customer with their services but it is seen that yet some percentages of people are still dissatisfied with their overall services and packaging. This somewhat costs the business to get bad feedback from the customers. At this point in time, a bad review is a very big thing as it can highly impact the sales of the business.   However, there are some necessary considerations that a business should follow before shipping goods, such as:   Rechecking   Before sending any type of good to the customers the staffs of the company should look thoroughly to the whole sealing and packing. As if there is a little bit of fault it can be solved. There are some nasty customers which even see such mistakes as a big one, so better to be extra cautious by rechecking.   Using pallets services   In recent times, pallets in Poole have gained some worthy attention of the business owners as it is giving them much benefit. As the business in Poole is applying pallets for their shipping goods. The pallets suppliers mainly supply two types of pallets which are plastic and wood.   Material   The material that will be used for the packing should be durable and strong. The material should last for a long time so that there can do cracks or damage in the packaging or in the goods.   Therefore, these were some of the necessary considerations that businesses of any kind must follow before shipping any kind of soft to hard goods. As a result, the goods will be delivered safely without any damage. The customers will be happy as well as the business will enjoy the profit.

Health care is an important aspect of life, but it can be very costly. This can deter some people from seeking the care they need at all. It’s understandable to want to keep your finances in check, but when it comes to the health care you should never compromise. The urgent care clinic is a great option for individuals who are looking for low-cost medical services right now without having to wait for an appointment or make an appointment with their primary care physician. Edgewater urgent care clinics offer a variety of services including X-rays, blood tests, and physical exams. One of the best things about this type of clinic is that it offers same-day appointments that are available 24/7 365 days per year! If you want the ultimate destination for your health needs, take a look at these tips on how you can find the best urgent care clinic for your needs.   Why do I need to go to an urgent care clinic? Urgent care clinics are a great option for individuals who are looking for low-cost medical services without having to wait for an appointment or make an appointment with their primary care physician. Some of the services that urgent care clinics offer include X-rays, blood tests, and physical exams. Urgent care clinics have same-day appointments available 24/7 365 days per year! If you want the ultimate destination for your health needs, take a look at these tips on how you can find the best urgent care clinic for your needs. To protect yourself against high medical costs, it's important to seek out quality medical resources like urgent care clinics. In addition to offering lower-cost options, they will also provide you with immediate attention when you need it most.   What are the benefits of urgent care clinics? One of the key benefits of choosing an urgent care clinic is convenience. Urgent care clinics offer same-day appointments that are available 24/7 365 days per year. You can schedule your appointment when it's most convenient for you and your family, rather than having to make a costly doctor's appointment. Another benefit is accessibility. If you need medical attention but don't want to wait for an appointment or go back to the doctor's office on another day, this option is perfect for you. Urgent care clinics offer low-cost services that are more accessible than visiting your primary care physician. These are just two benefits of urgent care clinics, but there are many more! Urgent care clinics provide affordable and convenient medical services that give patients peace of mind and freedom from worry. Urgent care clinics are common in nearly every area, so it's easy to find one close by if you live in one of these areas: * Urban centres * Suburbs * Rural regions * Small towns The best thing about these locations is that they have access to a wide range of quality medical services at a low cost without having to take off work or travel far from home!   How do I find the best urgent care clinic for me? The first step to finding the best urgent care clinic for you is to ask yourself a few questions. What are your health needs? How often do you need medical services? What is your budget for the type of care you require? Once you have formulated your question, make sure to visit your doctor and talk about what types of services could be helpful for you. If it turns out that urgent care clinics provide a better option, then go ahead and find one in your area! If you're interested in other medical services offered by an urgent care clinic, take a look at its website or speak with the receptionist on duty. You can also use websites like Yelp or Healthgrades to get reviews of past patients' experiences with different urgent care clinics before choosing one.   Conclusion Urgent care clinics are a great way to get the health care you need when you're in a bind. They're open 24 hours, offer same-day appointments, and can get you back on your feet quickly. They're also a convenient option for those who don't want to wait around for a long wait at the doctor's office.

There is no question that medical marijuana is an extremely beneficial drug for seniors. One of the reasons medical marijuana is so effective for seniors is because it has been shown to have a few great benefits that can make a huge difference in your life and your health. Here are some amazing benefits of medical marijuana for seniors.   3 Benefits of Medical Marijuana for Seniors Many people are not aware of the advantages that medical marijuana can provide. In this article, we'll be providing a few benefits of medical marijuana for seniors that you may not have been familiar with previously.   The many benefits of medical marijuana for seniors One of the biggest benefits of medical marijuana is that it helps you sleep better. It's been found that those who use medical marijuana are more likely to fall asleep easier and stay asleep longer. As a result, they'll be able to sleep through the night without interruptions or tossing and turning all night. Another benefit of medical marijuana for seniors is that it can give you a better appetite. In addition, medical marijuana can help combat different health conditions like anorexia, obesity, and constipation. Medical marijuana also has anti-inflammatory effects on the body which make it great for seniors suffering from arthritis. The anti-inflammatory effects prevent inflammation in the joints which prevents your body from feeling as much pain due to arthritis. As a result, there are many benefits of medical marijuana for seniors such as easing pain and improving appetite, but there are also some risks involved with using medical marijuana for seniors like reduced cognitive function and issues with sleep patterns for instance.   What are the risks of medical marijuana? There are some risks associated with using medical marijuana. One risk is that you might be allergic to it and have an anaphylactic reaction. Although this is less likely for most people, it's still possible. Another risk is that you might get a different kind of cancer if you use medical marijuana. You may be putting your health at risk because some studies have shown that the rate of cancer in people who use medical marijuana has actually increased. In addition, there is also the risk of addiction or dependency on medical marijuana which has been shown to be as high as 50 percent with continued use and usage. These are all risks that should be considered before using this drug for seniors.   medical marijuana doctor One benefit of medical marijuana is that it can help you avoid having to take time off work for medical marijuana doctor visits. In addition, the drug does not impact your ability to work. Some seniors who use the drug for medical purposes have found that they are able to keep their jobs despite using marijuana. This is because employers do not usually hold employees accountable for marijuana use. Another great benefit of medical marijuana for seniors is that it can help you avoid some other drugs and medications, like opioids and benzodiazepines. These drugs have been shown to be incredibly addictive and dangerous, while prescription marijuana reduces the risk of addiction. If you think about it, there are few benefits at all when comparing medical marijuana vs. traditional drugs or medications such as those listed above. That's why paying attention to what works best in your life is essential when seeking treatment.   Conclusion. Medical marijuana is an amazing drug that can make a huge difference in your health and overall well-being. For seniors, it helps with pain management, inflammation and appetite. There are a few great benefits of medical marijuana for seniors that have been shown to make a huge difference in your life and your health.

Are you buying blinds for your office? Which one should you buy? Are houses and offices require the same category? Well, while buying a new thing for our office, we face these questions. No worries, you can have full guidelines from this article. We talked about the types and differences between home and office blinds. So, let's dig into the details. Which Blinds are perfect for Office? As we all know, the main job of blinds is to cover the window and protect us from the sunlight and ensure our privacy from the outside. For the office, it has to be durable, luxurious, and suitable to control enough light, rain, and snowfall. So, while buying it, check the material, fabric, company reviews, budget, etc. You should check out the Bespoke Blinds London for the latest items. Usually, for office, aluminum, roller, honeycomb, faux wood, etc. are perfect. But it also depends on the window width and height. Among these, aluminum is the most popular and usable item. While choosing the right one, check the quality. Because it also creates an impression on your clients. So, choose the right color, perfect measurement, and design. Aluminum type The aluminum type has a quality and is a standard item for the office. It is quite affordable and durable. No matter how is the weather, it can save your office room from that. It is also attractive from the outside and creates a good impression. Roller type Another one is roller type. It is also budget-friendly. It is easy to clean and has a cord. You can easily open and shut it. It is not durable as aluminum. Honeycomb It is perfect to control the sunlight. But it won't make your room dark. This means you can have enough light to work and save the electricity bill. Faux wood The material is wooden. It is the most affordable and durable blind. It will give you a vintage look and minimum light to work in your office room. It also saves space. You can decorate the window side with the plant. So, have you decided which one you want?

It’s crucial to find the right therapist for you when you are in trouble with mental illnesses. You can hardly get rid of your mental state unless appropriately treated. You may not require medication, but the best therapy is all you need. This article will guide you to find the right therapist near you. Search Online with Reviews: You should go through several websites online if you want to find the most reliable therapist who serves the best therapy. You will find reviews and feedback from people who have taken the treatment lately. You can get ideas of which therapist would be suitable for your problems. People leave reviews based on their experiences, which helps identify your issues significantly. Get Referrals: You should also have some recommendations from someone you trust. It could be your family members or friends. Make sure they understand your problems and suggest the best Scottsdale counselling for you.  After that, you can evaluate which therapist will be right for you based on online reviews and the referral you get. Look for Previous Experiences: You should ensure the therapist has a good background and history in practising behavioural and other therapies. You will get clear ideas by searching online, but people can also talk about him if you want to know more. A Certified Therapist: The therapist you want to see must be professional and knowledgeable. He must obtain the required certification for being in this profession. Dealing with mental problems can be challenging unless the therapist knows the right tactics. Talk to Him In Person: It’s better to meet the therapist. If you find the first session is worth your time and investment, you should proceed. Otherwise, it’s better to look for other therapists nearby. It entirely depends on you whether you suit the therapist. Sometimes, other peoples’ opinions don’t match how you see things. So, it’s suggested to know your priorities and requirements first when finding the therapist. Overall, make sure the therapist is experienced, knowledgeable, and good with a reputation in this profession.

Nowadays, cheating on your partner becomes an option. And there is no way to catch them without the evidence. So, the question is your partner cheating on you? How can you catch a Cheating Partner? Well, you can do it easily if you follow some rules. In this article, we will discuss how you can know if your partner is cheating on you or not and how to catch them. So let's begin. How to Catch a Cheater? You love someone and one day you notice that your partner doesn't love you in the same way. That is the time you need to be careful and start to find the answer. Anyone can be a cheater. It can be your wife, husband, boyfriend, or girlfriend. Catching a partner who is cheating on you, won't be an easy job but if you work smartly you can get the result. To find the truth, you need to be conscious about everything. You have to notice and have eyes on your partner's every move. But still, there is a lot of chance that you may not get the exact result. To get the result and catch your partner red-handed, follow all the steps given below. Read the signs When you doubt your partner, don't miss the signs. There are a lot of signs when your partner starts to cheat on you. First, check if he or she spends less time with you. If they start to give excuses, then there is something fishy. After that, check if he or she starts to hide things from you. To check it, you need to notice if they are lying or not. Check their interest If your partner starts to show less interest in you and starts to argue with you, then they are not in love with you anymore. Evidence After ensuring the whole situation, it's time to confront your partner. For that, you need to gather proper evidence. To gather the evidence you can hire a private investigator. They will keep eye on them and help you to get the evidence. Confront After all that, it's time to confront your partner. Ask them for the reason to take the right decision.   Hopefully, you will know the truth in this way.

General liability insurance covers a company against losses caused by its own negligence or other people's intentional acts. What is General Liability Insurance? General liability insurance covers a company against losses caused by its own negligence or other people’s intentional acts. It also provides coverage for injuries to employees and others at the worksite, as well as damage caused to others’ property. In order to be covered, any injury or damage must be accidental and unintended by the insured. Liability insurance policies are grouped into classes according to the nature of the risk they cover. These classes are A, B, C, D and X. The higher the letter class designation, the broader the scope of coverage offered by that class of policy: A - This will include coverage for bodily injury and property damage What are the Most Common General Liability Class Codes? General liability insurance is a type of insurance that covers the insured from any harm caused by accidents or disasters, to protect against losses that are not covered by other types of insurance. The most common general liability insurance is the Workers' Compensation Insurance Company, followed by Aflac. The most common general liability class codes are A, B, C, D. What is an Umbrella Policy? Umbrella policies are becoming more popular for people who want to protect themselves against unforeseen events. Umbrella policies are insurance policy that provides liability coverage should anything happen to the insured person, which is not covered by their other insurance. The policy is not meant to replace other personal or property insurance coverage. How to Choose the Right Type of Insurance Coverage for Your Business Choosing the right type of insurance coverage for your business is a big decision. How do you know which types of coverage you need to get and which ones you don't? It may be tempting to just get all covered, but that is not always the best way to go. There are two types of business insurance: liability and commercial property and casualty. Liability insurance covers losses caused by bodily injury or property damage caused by the company's products or operations. Commercial property and casualty cover physical damage to your building, supplies, product inventory, equipment, etc., in addition to liability. Conclusion One of the most important aspects to have in any business is general liability insurance coverage. This helps you to keep your business afloat by providing financial protection for the damages, injuries, or death that may be caused by your business. General liability insurance coverage protects you for not only accidents that happen on-premises but also situations where someone slips and falls off your property. It also covers incidents that happen when someone visiting your facility causes an accident.

Introduction: Why You Should Have Life Insurance keywords: what is life insurance, should you get life insurance, life insurance for young people Life insurance is a type of insurance policy that pays a lump sum of money to the insured person or their beneficiaries if the insured dies. The purpose of life insurance is to provide financial stability and protection for someone’s family and loved ones in the event of their passing. It can also be used as an investment vehicle for those who don't have other sources of income. Life insurance policies come in various types, such as term life, whole life, universal life and variable universal life. The type that suits you best will depend on your current situation and future needs. Overview of Different Types of Life Insurance Policies In the US, life insurance is a necessity for most people. The complexity of these policies can be a little overwhelming. In this section, we will break down the different types of life insurance policies and provide an overview for each one. Term Life Insurance: Term life insurance provides coverage for a specific period of time or until a specified age. The policy will expire at the end of this time period or when the insured person reaches the specified age, whichever comes first. Permanent Life Insurance: Permanent life insurance has no expiration date but is often more expensive than term life insurance policies because it usually provides coverage over your entire lifetime. Universal Life Insurance: Universal life insurance offers protection for both temporary and permanent needs by combining term and permanent coverage into one package. How To Choose A Life Insurance Policy That Is Right For You The first step to choosing your life insurance policy is to determine how much coverage you need. It’s important to understand that there are different types of policies and each one offers different levels of coverage. You can get an estimate on how much life insurance you need by using the Life Insurance Needs Calculator. How Much Is Enough? Understanding The Importance Of How Much Coverage You Need The best way to understand how much coverage you need is to look at the three different coverages available. There are two types of car insurance: liability and full protection. Liability insurance covers for damages caused by the driver’s negligence or recklessness. Full protection coverage provides all-round protection for your car, which includes collision, comprehensive and theft coverage. Your home insurance also have two types of coverage - contents and buildings. Contents is just what it says on the tin - it covers your items inside your house for damages caused by fire, water leakage or burglary. Buildings cover damage arising from natural disasters like floods or earthquakes as well as vandalism, theft etc.

"If you want something new, you have to stop doing something old." -Tony Robbins. In the age of being a company in an industry that is constantly changing, it can be difficult to keep up with all of the constant changes that happen. In order to get ahead of your competitors, you must not only keep up with your competitors but also anticipate what they will do next and change accordingly. But how do you know when it's time to embrace change? When do you know if something new is better than what you currently have? Here are six ways to boost your advertising and marketing agency Boise Idaho growth by embracing change.   Know what to do to grow Listen to your customers Listen to what your customers want and show them that you're listening. This will help you stay ahead of the curve; it'll allow you to offer more services and products, as well as provide a better experience for your customers. Question everything If something isn't working, question if it's doing anything for the success of your business or not. If the answer is no, then it's time for a change. Be open-minded Don't be afraid to try new things in order to grow and progress in this industry. Remember, if something doesn't work out, then you can always go back to what you were doing before. Embrace change One way change can benefit your company is by embracing change with an innovation strategy. This means when a new idea comes along that could potentially expand your customer base and bring in potential leads into your business, try it out! It helps keep up with the times and adapt when necessary in order to get ahead of the competition.   Embrace change Focus on demographics It can be easy to get caught up in the whirlwind of marketing and advertising trends. With so many ads, commercials, and other marketing methods available to you, it's easy to start looking at what is popular and what is working at that moment in time. But if you're just going off of what is popular or working at the time, it will be difficult for your business to stay ahead of the competition. Instead, focus on demographics instead. What types of customers do you want to target? What type of demographic does your ideal customer profile look like? And how can your company adjust its marketing and advertising campaigns accordingly? Not only are these questions important for targeting customers but they are also important for letting your company know who its target audience is. Test new ideas One way that you can stay ahead of the competition is by testing new ideas and methods on a limited basis before implementing them on a larger scale. If you run a construction company in Boise Idaho and have been using the same advertising strategy for years with no change, it might be time for some change! One idea might be trying out a new website design or starting an Instagram account to promote your products or services--something that would   Be willing to experiment If you're trying to change your advertising and marketing agency's message, then it's time to be willing to experiment. Looking for new ways to market your company is the key. There are many different ways you can experiment with your marketing campaign. One way you can experiment with your marketing campaign is by doing a social media blitz. This is when you post a ton of content on all of your social media channels at once, so that your followers only get a quick glimpse into what's happening in the future of your business rather than being bombarded with everything that's happened in the past few hours. Another way you can experiment with your marketing campaign is by creating a limited-time offer or discount. It may seem risky, but this method will help boost sales and keep people interested in what you have to offer. A third way you can experiment with your marketing campaign is by changing up your digital marketing strategy. By changing up how you're using digital marketing, it will help drive more traffic towards your site and make it easier for people to find what they're looking for on your site. The fourth way you are able to experiment with your marketing campaign is by testing out new locations. By testing out new locations, there are   Commit to a change If you want your company to grow, there is no better time than now. You must make a conscious effort to be receptive and willing to change. If you're not willing or able to change, it will be difficult for your company to grow. Commitment is not always easy, but it is necessary for success. When you commit to a new idea or direction, it will help you get ahead of the curve in an industry that constantly changes. And if you don't commit today, maybe tomorrow will be too late.   Strive for progress One of the best ways to embrace change is to strive for progress. By striving for progress, you are looking for new ways that your business can improve and do better. You should look at what problems your current marketing attempts are facing and find a way to fix those problems. For example, your brand might need more content on their website, but their current website is not optimized for mobile. If you saw this as an opportunity to improve the website's reach and potential customers through mobile, then it would be in your company's best interest to take this step. However, if a change like this would hurt the overall quality of your content or make it harder for customers to find what they're looking for on the website, then it would probably be better to stay with what you have.   Change your perspective. The theory of change says that there's no such thing as a bad change. What actually happens is it takes time for your mind to adjust to the new changes. If you're not willing to adapt, then it won't happen. Be open-minded and always be willing to try something new if it will make your business better than what you currently have. Be proactive and don't wait for your competitors or customers to find out what they are doing next, which will give you a huge advantage over them in the long run. You can also take advantage of any changes by working closely with your marketing agency Boise Idaho's customer base.

Escape room games are a fun way to get your team building and have some creative time. It's difficult to decide which escape room game will be the best for your team, so you might need some help. There is a broad range of escape room games that can help any business or group have a successful time coming up with solutions for tricky problems. Here are 6 of the most popular escape room games that can give teams an intense problem-solving experience.   6 Escape Room Games For Teams One Game The One Game is a great game for groups who want to come up with solutions to tough questions in an interactive setting. It's time-limited and exciting. Dune is a thought-provoking puzzle game, which will have your team digging for information about hidden objects and trying to solve a mystery that's not quite what it seems. Snoop Dogg Snoop Dogg: Murder at the Mansion is a crime drama focused on crime-solving and clever tactics. This game can be played by teams of two or more people. Finding Bigfoot Finding Bigfoot: Searching for the Legendary Hairy Beast can be played by groups of three or more people. There are multiple ways you can play this game, so there's something for everyone! Qwirkle Qwirkle is a fast-paced strategy board game which requires players to work together in order to score points and win the game. This will be good for teams who are looking for something different than standard games. Escape Room Experience Escape Room: The Game is not only entertaining but also challenging—making it ideal if you're looking for something that will make your team sweat!   Why Escape Rooms Are Great For Team Building A company's success is contingent on the team. And if your team can't work together, you'll struggle to reach your goals. Escape rooms force teams to think creatively and solve complex problems in an intense environment, which is great for team building. Escape room games allow teams to challenge each other and use their problem-solving skills in a safe space. Teams will have to strategize, collaborate, and make decisions without fear of failure or ridicule since the game is played out of their control. In this article, we'll cover six escape room games that are perfect for a business or group looking to build teamwork and problem-solving skills. Read on to find out what escape room games can achieve!   6 Different Types of Escape Rooms An escape room game is a fun and creative experience for any team. The puzzle-based games help people think outside the box and can be challenging in ways that aren't always obvious. The games are designed to make players work together, so the group has to find solutions together. In this post, we'll go over six different types of escape room games with examples of what they might entail.   5 Tips for Successful Team Building in an Escape Room Game To help make your escape room game a success, the first step is to decide what you want your team to get out of it. Here are five tips that can help you make the most of your time in an escape room: -Set realistic expectations for the game. If your team is expecting a five-minute escape from an escape room game, they might be disappointed when it takes 30 minutes to figure out the solution. Similarly, if your group is looking for intricate puzzles and difficult brainteasers, they might be disappointed with a game that relies more on simple puzzles and scavenger hunts. To avoid disappointment, set realistic expectations for yourself and your team so you don't have to worry about people being let down. -Bring friends who are good at solving problems together with those who don't excel at solving problems. There's no need to force everyone into one team! It's important to bring friends who will complement each other well because both types of players can offer unique skills that benefit the whole group when they work together. It also helps ease any tension before teammates start working together; this way, they're not trying to solve the same problem without much support or having tension boiling over in their heads while they try to solve the     local Boise escape rooms This is one of the most popular escape room games in Boise. It's part of a broader game series that involves escaping from prison cells and ships. All you have to do is solve a series of puzzles and riddles to escape the room and solve the mystery. If your group has never done an escape room game before, this might be a good choice for your first game. Once you're done, you're left with a cool story about what happened in the room!

In this world of gold, silver has significantly less talking when investing. Some people still prefer silver to become their source of income because it has the market demand for beginner investors. This article will show you what made silver bullion worth investing in rather than gold or any other metals. It’s Cheaper: Not everyone has a high budget while investing. As a beginner, you may want to start with a small budget to observe the market well. If it suits your budget and other things, you may want to invest in the platform for more.  Silver bullion comes with a lower price because its market value isn’t that high ever since. Not because silver doesn’t get its high demand in the market, but because the production and manufacturing of silver are easier than gold or other valuable metals. So, once you can ensure buying silver bullions in Perth at a low rate, you can start the investment as an excellent opportunity to grow. Sell Anytime: Unlike gold and other metals, the silver market is not volatile. The price for silver doesn’t get lower that you can’t get over the loss. You can always have options for growing with your silver bullion investment because the market is mostly constant. Therefore, you can sell silver bullion Perth anytime you want. It won’t differ the buying or selling price much if you research the market correctly. So, it can be worth investing in silver bullions because you don’t have to wait long to sell the items only when the time is accurate. Great Physical Asset: Silver bullions are profitable when you buy them as a physical asset. Gold or silver bullions are much more valuable and highly demandable when you prefer not to buy them as jewellery or other items.  So, even though you are not ready to sell silver bullions for the money, you can save them for your future asset. It’s worth investing in bullions for long-term safety. Set your budget and make the most out of silver bullions at the best rate.

When you are stressed to provide the best technical support to your clients remotely, a help desk service can be your most reliable companion. If you prefer outsourcing a service provider to support clients or customers, you can save much time, effort, and money. In that case, you can implement them in your company to ensure more productivity. This article will give you a guideline on outsourcing help desk services in the best ways possible. Get Online Help: You will have the service remotely, which means the service providers will support you online all the time. A reputable and trusted help desk service must have a well-managed website where you can find the company's details. If you are curious and want to know more, it’s better to go through their service details.  Get Reviews and Recommendations: It’s time to check out the reviews you get from online sources. These are mostly reliable. As you are an owner of a company, you will know the tricks of the service providers if they want to hide things from you.  Get all the possible recommendations from different sources and do your research online. It will help you find the best remote technical support team for your clients. Know Which Support Services You Need: You should know the required services you want to hire the system. If they are related, make a list of them and discuss them with the help desk service provider. Make sure they can guarantee you give the service you are looking for. Know Your Priorities: You must learn to define your priorities when outsourcing the service provider. Suppose you need to ensure the support system for bringing operational and management systems or the technical support system for your clients. You should pick which thing to prioritize to get the best service. Tracking and Monitoring Options: The help desk service must provide an option of monitoring and monitoring to know how things are going. Thus, you can improve client relationships too by implementing essentials. Ensure They Are Worth Hiring: Overall, know that the help desk you want to outsource is worth hiring for. When outsourcing the service, know your purpose and bring out the possibilities within your budget.

We all love and adore diamonds. Everyone loves to wear diamond jewelry, run a profitable business, and so on. But here are some fun facts about diamonds that you don't know. Diamonds are not just a jewelry material but also an element that can be found in nature. There are many things that you should know while buying diamonds. In this article, we are going to talk about those facts. Some Fun Facts about Diamond you should know Diamond is a hard crystal carbon. Usually, it can be found in nature but nowadays, it's hard to dig into the mine. So, scientists are creating diamonds in the lab. As we all know diamond jewelry is the best jewelry material and it's quite expensive. So, it's super easy to get loans against diamonds. You can get loans through banks, pawnshops, jewelry shops, etc. Nowadays, it becomes easier to get loans. On the other side, you can buy and sell your loose diamonds for a good price. Besides this, there are many other facts given below. Age of diamond You will be astonished to hear that natural diamonds are trillion years old. As we all know that natural diamonds can be found in mine. So, if you count the earth's age, then diamonds were present long before the lives exists. Durability Diamonds are a hard element but how much hard? Well, if you try to break it with a hammer, your hammer will break instead of a diamond. It is the most strong crystal rock in the world. It is also hard to melt and boil. But here is the fun fact that, if you want to scratch, you can use another diamond. Elements of diamonds Diamonds are made of carbon. Since it grows on the deep surface of the earth, intolerable heat and pressure are the reason that carbon atoms bond strongly. Colors Usually, we see the colorless shiny diamond. But it comes in different colors too. It can be pale yellow, red, blue, green, pink, orange, brown, etc. Discovery Recently, a new planet has been discovered and it's a theory that there will be more pure diamonds.   These facts made diamonds so special and expensive.

Summary I used to invest in rental properties, but as I learned more about REITs, I came to the realization that they were superior investments in most cases. Put simply, they generate higher returns with lower risk and don't require any effort from you. Moreover, they protect you from liability risk, don't affect your personal credit, allow you to focus on your career, improve your lifestyle, are tax-efficient, and more opportunistic. Looking for a portfolio of ideas like this one? Members of High Yield Landlord get exclusive access to our model portfolio. Learn More »   fstop123/E+ via Getty Images   One of my favorite topics to discuss on Seeking Alpha is how rental properties compare with publicly-listed REITs. It interests me so much because I started my career in private equity real estate, made private investments, but later sold them and transitioned into the REIT space when I came to the realization that REITs were superior investments in most cases.   I have written several articles on this topic so I won't rehash all the same facts, but in short: REITs offer higher returns: Several studies have shown that REITs outperform private real estate investments by 3-6% per year on average over a full-market cycle. That's mainly because REITs enjoy significant economies of scale and have access to the public equity market, which allows them to grow externally by raising capital at cost x and reinvesting it at return y, earning a positive spread in between. Private investors don't have this possibility and so their growth is limited to what they can achieve organically. REITs are a lot safer: REITs are public, liquid, diversified, and conservatively financed. Rentals are private, illiquid, concentrated, and heavily leveraged in most cases. Thousands of private real estate investors file for bankruptcy each year. Yet, REIT bankruptcies are extremely rare because once you have this level of diversification, it is really hard to mess it up. The only bankruptcies that we have seen in the REIT sector were overleveraged mall REITs like CBL (CBL) during the pandemic. REITs are completely passive: Since REITs are professionally-managed, you don't need to worry about the ugly 3 Ts: tenants, toilets, and trash, and you earn returns without having to actually work for them. Even better, the management is professional and highly cost-efficient. In comparison, owning and managing one or a few rental properties is time-consuming and cost-inefficient. It is closer to a part-time job than a passive investment, and it isn't worth it for most people. source source   All of these reasons are good enough for you to stop investing in rentals to buy REITs instead. In most cases, they offer higher returns with lower risk and don't require any effort from you, the investor. I would go a step further and argue that even if rentals were more rewarding (which they aren't), REITs would still provide better risk-and-hassle-adjusted returns in most cases. But the story doesn't end here. There are actually many more reasons to favor REITs, some of which you probably haven't even considered, and I want to shed more light on those in today's article. In addition to what was mentioned previously, there are 5 other reasons why I quit buying rental properties to buy REITs instead: Reason #1: Rental Can Be a Huge Legal Liability. REIT Investors Are Better Protected. Charlie Munger has famously said that there are three ways for smart people to go broke: "liquor, ladies, and leverage". But even more important is the concept of liability. Liquor, ladies, and leverage can only ruin you if you are personally liable for the resulting costs. Most business owners and investors ignore the topic of liability until it is too late to do anything about it, and that's how a lot of wealthy and successful rental investors go broke every year. They are personally liable for all the loans, and they are also the first person who gets sued by tenants, contractors, brokers, etc. when things go south. To give you an example: let's assume that some mold has been accumulating in the restroom of your rental, your tenant gets sick, and decides to stop paying rent and sues you for an exorbitant amount, claiming that you did not take proper care of the property and put his/her health at risk. Now let's make it a bit worse: let's also assume we just entered a recession and you lost your job, just when you needed it the most to make up for the missed rent payment and the lawsuit. Maybe, you are now also missing additional rent checks from other tenants because 50%+ of Americans live paycheck to paycheck. If you are long enough in business, it is only a question of time before you get in this type of trouble. Suddenly, you could face significant financial and emotional stress because you are personally liable for the loans and the potential lawsuits. Importantly: there is no point in earning good returns for 20 years if, in the 21st year, you are hit with missed rent payments, lawsuits, and the bank takes it all away from you because you defaulted on your loans. Rental investors commonly use up to 80% leverage, which leaves little margin for error, and that's why so many end up filing for bankruptcy each year.   REITs, on the other hand, are structured as corporations, and as a minority shareholder, you enjoy the full benefits of limited liability. This means that you cannot lose more than you invest and you will never be sued by anyone for more than that. This is huge risk mitigation because if you are a landlord for long enough, it is inevitable that you run into some kind of liability issues at some point. Yet, it is rarely mentioned when debating the characteristics of REITs vs. rentals. I sleep a lot better at night knowing that no one has ever lost money owning a well-diversified portfolio of REITs in the long run. The same cannot be said about rentals because they expose you to liability issues. Reason #2: Rentals Put Your Personal Credit On The Line. REITs Give You The Benefits of Leverage Without Affecting Your Credit Related to the previous point, when you buy a rental, you commonly need to put your personal credit on the line. Banks require this because it reduces their risk, but it also means that you cannot just put your LLC into default and walk away. Your credit rating is also impacted by the amount of debt that you are taking, which could limit you in other ways. Perhaps, you would like to create a new business and need a loan to get started. That's just one example among many others. With REITs, you enjoy the same benefits of leverage, but importantly, you are not personally liable for them and it does not affect your credit score. There is this common misconception that you cannot use leverage when investing in REITs, but the reality is that REITs are already leveraged. When you buy shares, you provide the equity and it is the equity that's publicly traded. Then the REIT takes mortgages to leverage your equity and earn better returns. In the end, you enjoy the same benefits of leverage, but you are in a much safer position and it does not affect your personal credit. This is particularly important for me because I am a small business owner. Reason #3: Rentals Can Ruin Your Career and Lifestyle. REITs Give You Complete Freedom To Advance in Your Career and Personal Life. Rental investments take a lot more time than most people understand. Just to find the right deal, negotiate it, do your due diligence, secure a loan, rehab it, and find a tenant, you may spend 10s of hours per week for months on end. Then after that, you still need to manage the property and deal with all the issues that come with that, and finally, someday, you may want to sell the property, which will again, require a lot of time and effort.   What a lot of people don't realize is that all this work could have been put into your main career, which probably earns you a lot more money than managing rentals, which is a low-margin business. The worst example is when a physician or a successful business owner or other high-earner decides to invest in rental properties. This person could make a lot more per hour working their main job than what they would ever get for the efforts they put in the rental business. But even if your value is let's say $20 per hour, then you probably shouldn't buy rentals because you are much better off putting that time into earning money through your job, investing in REITs, and focusing on advancing in your career. The rentals will only slow you down and result in fewer earnings in the long run. Let's take a look at a real-life example: Purchase price: $200,000 Monthly NOI: $1,000 (after major expenses) On the surface, it seems like a pretty good with a 6% cap rate, which turns into a double-digit annual yield once you add leverage to it. But now, let's assume that you use 5 hours per week on average in the year (to find the property, negotiate it, rehab it, market it, manage it, etc.) and the value of your time is $20 per hour, then you need to deduct $100 per week or $400 per month from the above return. After all, that $400 is not the result of a passive investment. It is the result of your work and you could have earned it working your other job. So the real monthly NOI is just $600, and the real cap rate is 3.6%. Is this 3.6% cap rate worth all the risk and work? No. You would be much better off focusing on your career and using the extra earnings to invest in REITs. And even ignoring the financial aspect, REITs will also improve the quality of your lifestyle. You won't have to worry about tenants, repairs, midnight calls, and weekends being ruined from bad surprises. You also won't be stuck in one location, be able to travel, and sleep better at night. This freedom is very important to me. Reason #4: Rentals Can Expose You to Important Tax Complications. The Taxation of REITs is More Simple And Efficient. Another common misconception is that rentals are highly tax-efficient, especially when compared to REITs. I disagree. Yes, you can depreciate your property to lower your immediate tax burden, but in the process, you also lower your cost basis which will hurt you down the line when you sell the property, and/or lower your flexibility to switch from an asset class to another. In the worse case, you are then stuck with your rentals forever and can never sell them due to the tax hit that it would cause.   Moreover, you will again end up spending a lot of time trying to deduct expenses, depreciate the property, document it all, etc., and all of that time that could have earned you money working your main job. The complexity, in the end, costs you money indirectly, even if you don't see it. REITs, on the other hand, are very simple and tax-efficient. They pay no corporate income tax. They distribute 60%-70% of their cash flow, which means that 30%-40% isn't taxed at all. A portion of the distribution is "return of capital," which isn't taxed. The portion that's taxed enjoys a 20% deduction. Generally, REITs are more growth-oriented real estate investments, and therefore, more than half of the total return is tax-deferred appreciation. Finally, if you want to defer all taxes, you can simply hold them in a tax-deferred account. You still retain the freedom to move from one asset class to another. When you take all of that into account, I actually pay less taxes investing in REITs and it is also a lot easier and more time-efficient. Reason #5: Rentals Limit You to One Market. REITs offer a Larger Universe of Opportunities. Finally, if you want to buy a rental, you are limited to investing in your local market. Sure, you could use a platform like Roofstock to buy a property on the other side of the country, but that's the last thing that I would do. If you don't know your market and you aren't close to the property, then you are taking even bigger risks and the management will be costly and complicated. As an example, it is not uncommon for property managers to take 12% of the rental revenue when the management cost of REITs like Realty Income (O) is only ~4% of their revenue. REITs, on the other hand, let you invest in all property sectors and geographies from the comfort of your own home. There are over 20 different property sectors to choose from: Office. Example: Boston Properties (BXP) Industrial. Example: Prologis (PLD) Apartment. Example: Mid-America (MAA) Retail. Example: Simon Property Group (SPG) Hotel. Example: Host Hotels (HST) Net Lease. Example: STORE Capital (STOR) Senior housing. Example: Ventas (VTR) Skilled nursing. Example: Omega Healthcare (OHI) Hospital. Example: Medical Properties Trust (MPW) Medical Office. Example: Physician Realty Trust (DOC) Manufactured Housing. Example: Sun Communities (SUI) Single-Family Rental. Example: Invitation Homes (INVH) Student Housing. Example: American Campus Communities (ACC) Self Storage. Example: Public Storage (PSA) Timberland. Example: Weyerhaeuser (WY) Farmland. Example: Gladstone Land (LAND) Billboard. Example: Lamar (LAMR) Data Centers. Example: Digital Realty (DLR.PK) Infrastructure. Example: American Tower (AMT) Ground Lease. Example: Safehold (SAFE)   And also over 20 different countries that have REITs these days: USA Canada UK France Germany Singapore Japan Australia Etc. source At High Yield Landlord, we invest globally and across most of these property sectors, which ultimately leads to higher returns with less risk. Right now, we are invested in properties in the US, Canada, France, Germany, Estonia, Singapore, etc., and have professional management teams with skin in the game taking care of it for us. Our approach to REIT investing has generated ~20% annual returns since the inception of our portfolio, and we have done so well because we have such a large universe of opportunities to choose from: Source: Interactive Brokers (IBKR) Bottom Line To recap: REITs Rentals Higher returns Lower returns Lower risk Higher risk Passive Work-intensive No liability risk Liability issues No personal credit risk Personal credit risk Boosts lifestyle and career Hurts lifestyle and career Simple and efficient taxation More complicated taxation that limits your flexibility Wide universe of opportunities Limited universe of opportunities These are all the reasons why I favor REITs over rental properties, and that's despite coming from a private equity background, having studied two university degrees in real estate investing, and being born in a family of real estate entrepreneurs. If I decide to favor REITs, it is simply because they are far superior investments in most cases. Are there exceptions? Of course, there are. As an example, I think that most people should buy their home because it has non-financial benefits. Some crowdfunding platforms like FarmTogether may also make sense for specialty property sectors like farmland; and finally, if you are getting an exceptional deal, then, by all means, a rental property may be a good investment. But the point of this article is that in 90%+ of cases, you will do a lot better with REITs and that is why I quit buying rental properties years ago.       This article was written by Jussi Askola Author of High Yield Landlord    

TV personality and doctor Dr. Mehmet Oz wants Dr. Anthony Fauci to resign. Oz said he believes Fauci should be held accountable for misleading the American public and Congress on matters relating to the COVID-19 pandemic, whether intentionally or unintentionally. Fauci, who heads the National Institute of Allergy and Infectious Diseases, faced intense scrutiny after he contradicted himself on a number of guidelines, including the use of face masks. Oz, who announced last month that he was running for the Pennsylvania Senate, took aim at Fauci.