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Close-to-Home Island Vacations

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Island life boasts all kinds of charms including sun, sand and surf. If you want to get away from it all – but not too far away – consider a close-to-home island vacation.

Close-to-Home Island Vacations

Balboa Island

It’s difficult to believe that Balboa Island in Newport Beach, California, started out as a mudflat. This man-made beauty is the perfect spot to shop, dine, hike and bike. With one of the many Balboa Island vacation rentals, you could be steps away from boarding a whale watching boat or snacking on a local specialty – the frozen banana.

Galveston Island

Once home to Karankawa Indians and pirates, Galveston is a natural barrier island that takes its job of protecting the Texas coast seriously. Most of the island sits safely behind the 17-foot sea wall constructed after the destructive 1900 hurricane. There is plenty to do here for the whole family including e-bike rentals, touring historical homes of yesterday’s island millionaires or wading in the warm waters of the Gulf of Mexico.

Amelia Island

Amelia Island on the Atlantic side of Florida is a great place to sleep and dine in luxury after a long day of exploring the state park where you can choose from several vigorous activities such as horseback riding on the beach or bicycling along the 200 acres of Timucuan Trail Pathway, a paved coastal trail. Finish off your visit at one of the numerous spas or golf courses on the island.

Mackinac Island

Situated in the middle of Lake Huron, Mackinac Island is special because it allows no cars. There are plenty of bikes to rent, however, as well as horse-drawn carriages. Kids and adults will love touring Fort Mackinac or flying a kite at Windermere Point. Getting to the island is almost as much fun as being there. Board a ferry on the Michigan mainland to start your adventure.

You don’t have to fly across the ocean to have an island vacation. There are plenty of charming vacation spots surrounded by water much closer to home.

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How Bankruptcy Protects You

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Bankruptcy

Filing bankruptcy gets a bad reputation. Some people see it as a personal failure, but this is not true. Bankruptcy is a right you have. It is a way to get yourself back on track financially through a legal process.

When you file bankruptcy, you take control of your financial situation. It is not a failure, but rather a new start that lets you overcome issues that may have led you to a bad financial position.

Bankruptcy is very beneficial for you in a variety of ways.

Automatic Stay

The National Association of Consumer Bankruptcy Attorneys explains one of the biggest benefits of bankruptcy is the automatic stay. Once you file for bankruptcy, the court issues a stay that will stop all creditor activity against you. This includes pending lawsuits and collection activities. Once your creditors get notice of your bankruptcy, they must stop all attempts to collect on debts you owe.

The automatic stay allows you time to get your financial situation in order. It also allows you to avoid creditor issues while you wait for the court to make a ruling in your case. Once the court discharges your case, the stay lifts.

Dismissal of Debt

Another major benefit is the dismissal of debt. Bankruptcy will generally allow you to seek relief from most secured debts and some unsecured debts.

If you file Chapter 7, once the court discharges your case, any outstanding debts will go away. With Chapter 13, you will repay some debts, but the discharge will wipe out any remaining debt.

Do note that you cannot discharge some debts. You should speak with a bankruptcy attorney Royal Palm Beach FL about the types of debts you have and is the court can discharge them.

Final Words

If your financial situation is out of control and you feel like you are drowning in debt, bankruptcy can be the right move. It can help you to avoid many problematic situations and get your finances back on track.

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Two Tips to Reduce Feeling Overwhelmed

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Even if things seem to be going generally well in your life, it’s easy to feel overwhelmed and stressed. If you’re carrying any major concerns from day to day, it’s even easier. Here are two things anyone can do to help reduce their mental load and feel some calm. 

Overwhelmed

1. Declutter Your Home

One reason people’s lives feel hectic is because their living space is cluttered. Hotels are so comfortable because there isn’t a lot of extra stuff — you have the essentials, and that’s it. No piles of paper, and no closets full of mystery items that you thought you might need five years ago. Minimalism is taking the world by storm for a reason. With some effort, your home can also feel this way. 

If you’re unsure of the best way to get your home in order, call a professional organizer Dallas TX — they can help you with general organization and decluttering. Many people don’t even realize how many things are in their home that they don’t need, and if you can clear out those non-essentials, you’ll feel lighter and able to focus better. 

2. Find Some Quiet Time 

study found that the average person receives 63.5 notifications on their phone each day. Add in watching TV and other things that seek your attention, and it seems the world may never be quiet again. Carve out some time each day to set aside your phone and any other distractions and enjoy the quiet. You can even read a book, but just find something that removes outside sources seeking your attention. Try some breathing exercises, and you’ll be amazed how that can help you feel calm and centered. 

You don’t have to feel overwhelmed all the time. If you can make your living space clean and reduce distractions both there and within your own mind, you can help reduce your mental load. Feeling calm will help you focus in on accomplishing your goals. 

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Daily Oral Hygiene Tips From a Dentist

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Taking care of your teeth is an important part of overall health. After all, bacteria that live in your mouth can travel to other parts of your body as well. Most people know about the brush, floss, rinse routine, but it is important to have a thorough understanding of each of these steps. Consider these tips from a Brooklyn dentist.

Daily Oral Hygiene Tips From a Dentist

1. Brush

Brushing should be a process that lasts at least two minutes. According to the American Dental Association, most people only devote 45 seconds to the toothbrush. Set a timer on your phone to make sure that you are spending the proper amount of time on this necessary routine. You can also invest in an electric toothbrush that has a built-in timer.

2. Floss

Most people dread flossing, and many know that they will get a lecture about it every time they visit a dentist. To make it a consistent routine, consider flossing before brushing. This helps remove plaque between the teeth so that toothpaste can penetrate even more areas. If you tend to get food stuck between your teeth after meals, consider carrying some floss picks in your purse or wallet for quick touch-ups.

3. Rinse

All mouth rinses are not created equally. Many people do not understand why their breath still has a bad odor even after using mouthwash every morning. Many rinses contain alcohol, which is very drying to the oral tissues. This can actually cause bad breath to be even worse. Instead, opt for an alcohol-free formula. A fluoride rinse can provide even more benefits.

While you may think that you have your oral hygiene routine under control, it is never a bad idea to get a refresher on the proper ways to brush, floss and rinse. Talk to your hygienist at your next professional cleaning appointment to find out what you can be doing better.

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What Do You Need To Make Your Business Look Professional?

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Business Look Professional

Starting and maintaining your own business can be difficult, especially for the first time. One of your top priorities is to create a professional image for your establishment. Even though it is new, your potential clients should trust it as easily as a veteran business. You can effectively build this image by focusing on these elements. 

Clean Reputation 

Even if your business does not rely heavily on a physical location, it is still important to keep the premises clean and renewed. It gives the impression among employees and clients that the organization cares deeply about every aspect. A maintained building also reduces work interruptions and keeps everyone healthy. Employ cleaning crews and ask your employees to clean their own workspaces. Hire a street sweeper Washington if the street is part of the commercial property.  

Constant Communication 

Potential customers might need your services or products, or information about both, at any point. Make sure your business is open to them in any way with the following resources: 

  • Phone number 
  • Website 
  • Business email
  • Social media accounts
  • In-house reception

Even if your staff is not always available 24/7, provide enough information to satisfy customers or redirect them somewhere that can answer their questions. Great communication and approachability encourage people to keep engaging with your establishment. 

Effective Advertisement 

A strong advertising campaign benefits modern businesses like yours in multiple ways. It only generates interest among unknowing parties, but it also maintains it among current customers and makes it stand out from the competition. Use the communication methods you already have, such as a website and social media accounts, for further advertisement of your products, services and current offers. Work with advertisement experts to reach and attract a greater number of people. 

Professionalism can be challenging to achieve if your business needs time and experience to grow. Prioritize these factors to boost your organization’s image and guarantee success.

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3 Things To Immediately Do When Your Home Suffers Storm Damage

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Intense winds and rain can harm a building’s structure, permitting moisture to invade the home and wreaking havoc on the exterior. When this occurs, homeowners should have a plan in place, prepared to handle the chaos from severe systems. Mitigating it is vital in helping the home’s remediation; therefore, should something happen, residents should complete the following three actions.

1. Find Experts

Try not to do this alone. Broken shingles or busted windows could have caused more destruction than first thought. Moisture can get into the drywall and crawl spaces, fostering microbial growth. You’ll want to hire teams that specialize in disaster and storm damage restoration Ann Arbor MI. They’ll have high tech equipment to assess the overall contamination, determining the extent of cleanup.

2. Cover and Seal Exposure

Don’t leave anything open to the elements or to trespassers. By leaving it alone, the situation could become worse, requiring additional time and funding; therefore, you want to secure the house as soon as possible. Board up any holes in the walls and place plastic tarps on any roof issues. You want to keep water out and minimize the initial impact.

3. Contact Insurance

Once you observe problems, pick up the phone and dial your insurer. Request to file a claim, and indicate the date and time of the storm. You’ll want to understand your policy deductible and limits. These could play into how much you end up owing. Your agent should walk you through their requirements as well, asking you to initiate inspections. Start documenting everything. Take pictures of anything ruined. Make notes of all calls and repairs. These should be emailed to the insurance company to keep them up-to-date on your proceedings.

When left alone, you could exacerbate the trouble, leading to more headaches. Be proactive. Investigate your premises, and hire the right workers to fix things.