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Frequently Asked Questions About Ship Launching Airbags

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William
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A ship launching is a tense moment for any crew. Even with practice, it’s impossible to know exactly how the launch will go — and that means every time a ship launches, there’s potential for disaster. Luckily, companies like Jerryborg Marine have come up with ways to mitigate those risks and make sure your launch goes smoothly. If you’re planning on launching your ship any time soon, keep reading to learn more about airbags.

What Are Ship Launching Airbags?

Ship launching airbags are large, inflatable bags that are used to help launch ships. They work by providing a cushion of air that helps to push the ship up and out of the water. Launching a ship without airbags can be difficult and dangerous, so they are often used in order to make the process safer. While not all the details have been confirmed yet, it is understood that the company Jerryborg Marine is sellng a new kind of ship launching airbag that will help to prevent your ship from running aground at all.

How Do Ship Launching Airbags Work?

Airbags are inflated with air before being placed in the water. They work by pushing against the bottom of the water, pushing back against the side of the ship and preventing it from running aground. The design of the bag helps distribute the weight across the entire bottom of the bag, so that no one part of the bag is too heavy.

Why Use Airbags for Ship Launches?

The main reason to use airbags for ship launches is to protect your ship. When your ship launches, it’s common for the ship to be pushed against the dock. If the dock isn’t properly secured, it can break free during the launch and hit your ship. If your ship isn’t secured, it can also break free and run aground. Airbags help prevent both of these issues by pushing the ship away from the dock.

Another reason to use airbags is to protect your crew. If something goes wrong during the launch and your ship hits the dock, it can be very dangerous for your crew. Airbags help to mitigate this risk by pushing the ship away from the dock.

What are the Advantageous to Using Airbags Launching over Traditional Ship Launching Techniques?

Airbags offer a number of advantages over traditional ship launching techniques. One advantage is that they are much safer for your crew. If something goes wrong during the launch, airbags will help to push the ship away from the dock and prevent your crew from being injured.

Another advantage of airbags is that they are much easier to use. Launching a ship without airbags can be difficult and time-consuming. Airbags can be inflated quickly and easily, so you can launch your ship in a shorter amount of time.

Finally, airbags are much more environmentally friendly than traditional ship launching techniques. If you use traditional techniques, you have to use a lot of chemicals and fuel to launch your ship. Airbags don’t require any of these things, so they are much better for the environment.

Where Can You Find More Information?

If you’re interested in learning more about Jerryborg Marine’s airbag technology, you can visit the official website at https://jerryborgmarine.com/. Jerryborg Marine is a leading international provider of ship launching airbags, and they have a wealth of experience in the industry. You can also find more information about airbags and ship launching on their blog.

Self Storage Roll Up Door Springs – 7 Tips

By
William
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Self storage is a great way to free up some extra space. It’s also a safe and secure place to keep your belongings when you’re not using them. The roll-up doors make it easy for you to access your belongings whenever you need them.

The self storage roll up door springs make it possible for the doors to open and close smoothly. These springs are designed to last for a long time, but they can eventually wear out.

If you’re using a self storage roll up door, then it’s important to make sure that the springs are in good condition. A broken spring can cause the door to not close properly or even fall off its track. Here are seven tips for keeping your springs in good condition.

#1 – Inspect the signs of wear and tear

It’s important to regularly inspect your roll up door springs for signs of wear and tear. The most common sign that a spring is starting to fail is when the door starts to feel heavier than usual when opening or closing.

If you notice this, it’s important to take action right away as the spring could break at any time. Another sign that your spring is wearing out is if you see any gaps forming between the coils. This is called “coil set” and it’s a sure sign that the spring needs to be replaced.

#2 – Check the tension

The tension in your roll up door springs is what keeps the door properly balanced. Over time, the tension can loosen and cause the door to become unbalanced. This can make it difficult to open and close the door, and can also cause premature wear and tear on the spring.

To check the tension, you’ll need to open the door and lift it up about halfway. The door should stay in place without falling down. If the door starts to sag, then the spring is likely too loose and needs to be adjusted.

#3 – Adjust the tension

If you find that the tension in your roll up door springs is too loose, you’ll need to adjust it. This is a relatively simple process, but it’s important to make sure that you do it correctly. First, you’ll need to open the door and identify the adjustment screw. This is usually located near the top of the door.

Once you’ve found the adjustment screw, tighten it until the door is balanced properly. It’s important not to over-tighten the screw, as this can damage the door.

#4 – Lubricate the springs

Another important maintenance task is to lubricate the roll up door springs. This will help to keep them in good condition and prevent premature wear and tear. The best way to lubricate the springs is with a silicone-based lubricant.

Apply the lubricant to the springs, making sure to get it into all of the nooks and crannies. You should also lubricate the rollers, tracks, and hinges while you’re at it.

#5 – Replace worn out parts

If you notice any parts of your roll up door that are starting to wear out, it’s important to replace them right away. This includes things like worn out springs, tracks, and hinges. Replacing these parts is relatively simple and can be done with basic hand tools.

If you’re not sure how to replace the parts, there are plenty of instructional videos and articles online that can help.

#6 – Keep the area around the door clean

Another important tip is to keep the area around the door clean. This includes things like sweeping or vacuuming the floor in front of the door, as well as wiping down the tracks and hinges.

Doing this will help to prevent dirt and debris from building up and causing problems. It will also make it easier to spot any potential problems that might need to be fixed.

#7 – Hire a professional

If you’re not comfortable performing maintenance on your roll up door, or if you’re not sure how to do it properly, then it’s a good idea to hire a professional.

There are plenty of companies that offer door maintenance services, and they can usually do the job quickly and efficiently. Hiring a professional is also a good idea if you’re having difficulty with a particular problem.

By following these tips, you can help to ensure that your roll up door springs last for many years to come. Regular maintenance is key to keeping them in good condition, and replacing any worn out parts right away.

Summary – Self Storage Roll Up Door Springs

As a business or home owner, you understand the importance of having a functional and reliable door. However, without the right springing mechanism, your door will not be able to open or close properly. This is where self storage roll up door springs come in.

Self storage roll up door springs are designed to provide the tension needed to keep the door properly balanced. Over time, the tension can loosen and cause the door to become unbalanced. This can make it difficult to open and close the door, and can also cause premature wear and tear on the spring.

Dome Tents−A Worthwhile Experience!

By
William
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If you are an adventurous person who loves to wander then a tent is the basic necessity you need. Camping has come a long way with the evolution of practices and incorporation of technologies, and now it is much more feasible and time-saving.

What are Dome Tents?

Dome tents are the upgraded version of camping. They gained popularity because of their easy installation and rigid nature which protects the users from the harshness of weather. Besides camping, dome tents are the foremost choice of the users who want to defy the norms of arranging events in a conventional place.

Geodesic Dome Tents

With its shell structure ranging from 4 to 80 meters, this tent is ideal for large gatherings and functions. The main attraction of the geodesic dome tent is its effectiveness against the hurdles of the environment. Having only a few steps, its installation is quite easy. To top all of its features, these tents tend to act as semi-permanent buildings.

Glamping Dome

In the world of camping, glamping dome forms when innovations integrate with conventional camps. You can have once in a lifetime experience of camping if you opt for a glamping dome tent. The size of the glamping dome varies from 4 to 10 meters depending upon the place. They feature luxuries like lighting, a temperature-changing facility, well-furnished rooms, and other amenities.

Events Dome

If you are skeptical about arranging your corporate event, then look no further as a geodesic dome tent is ideal for this purpose. Their size is compatible with arranging events that require a formal setup. The geodesic tent is your only resort which ensures appreciation at the end of the day.

360 Projection Dome

Have you ever wondered if an experience of 3D along with camping is a real thing?
With BDIR, your dream becomes a reality of having a breath-taking experience. The 360 projector dome offers a unique idea with the incorporation of multiple projectors inside the dome. The projectors throw their projections simultaneously to create a 3D illusion of the world you want. It uses upgraded sound systems to create an effect that is in sync with the 3D illusion. Projection dome is a flawless revolution in the world of camping through which you can dwell in the nonfictional world of your favorite series or character.

Greenhouse Dome

Global warming has done enough harm to the planet earth. The demand for greens has increased proportionally throughout these years. The greenhouse dome is an exemplary attempt to save the plant’s habitat. It deals with providing the horticulturists and planters with a medium that protects the plants and ensures their growth at every stage. Growing flowers, vegetables, and herbs that require specific care has become trouble-free with the Greenhouse Dome. On-demand, it also arranges a readymade environment for those plants which are fragile such as water plants.

Glass Dome

Glass Dome is a dome made up of glass. Users can customize the glass according to their preferences. Transparent glass in the dome is used when the fusion of nature is the aim of the classic dome setup. On the contrary, a glass dome uses colorful glass to create an environment of its own. BDIR provides glass domes for parties, get-togethers, wedding ceremonies, and corporate events.

Difference between Acrylic Spas and Wooden Hot Tubs

By
William
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0

An acrylic spa or a wooden hot tub? This argument has long been going on in different homes today although both of them serve almost the same purpose. Today, we are going to talk about some of the differences between a spa & hot tub.

 

Comparing Acrylic Spas and Wooden Hot Tub

While they are both similar in some ways, they are different in a lot of ways.

1. General Aesthetic

Both of them are beautifully designed but the circular shape of a wooden hot tub presents a zen-like feel, something most people love. They are enclosed in a pretty porch with steps.

 

This enclosure helps to conceal the equipment and preserve heat. Additionally, the wooden tubs have a very nice scent especially those made from cedar or redwood.

2. Comfort

Previously, wooden hot tubs were built without benches. Their walls are straight and you will hardly be comfortable in this. In recent times, hot tubs have facile benches built around them at different depths, but this still doesn’t ensure maximum comfort.

 

On the other hand, Spas are built with bucket seats to ensure comfortability. They also have headrests and molded lounges.

3. Cost

Generally, most people believe that acrylic spas cost more than wooden hot tubs but this is not true. The cost of acquiring and maintaining a hot tub with filters and a heater is more than the cost of acquiring an acrylic spa of the same size.

 

However, if you wish to save cost, you can opt for the wooden DIYs which are far less expensive than modern acrylic spas.

4. Maintenance

The cost of maintaining a wooden hot tub is considerably more expensive than the cost of maintaining an acrylic spa. The surface of the wood requires staining and sealing from time to time.

 

Both wooden and acrylic spas require chemical treatment if you want them to remain in a healthy condition. Also, note that the cost of maintenance will be higher if you have more equipment.

5. Longevity

With adequate maintenance, an acrylic spa can last over 50 years. But no matter how well you treat a wooden tub, the chances of using it for more than 35 years is very slim. At some point, the wood will eventually start to rot.

 

Although this effect can be stopped using a vinyl liner, it wouldn’t be too long before it occurs again. And soon, the whole tub will be damaged beyond repair.

6. Hygiene

Cleaning a spa or a hot tub requires a special kind of chemical. If you don’t clean them as often as you should, they will soon become home to harmful microorganisms. Spas create a conducive atmosphere for biofilm because they make use of pipes and hoses.

 

The only way to avoid this is to constantly treat the pipes and ensure that the spas are not left empty. Hot tubs are less likely to accumulate biofilms and therefore they are considerably safer

Conclusion

Without careful considerations, one might believe that Acrylic Spas are more beneficial. However, there is nothing as appealing as a fine wooden hot tub especially if you want to give your home a natural decor.

Here’s Why Aluminum CNC Machining Can Be Crucial

By
William
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Aluminum is a popular option for aluminum machining using CNC machines because of the properties of the material.

Aluminum is strong and is resistant to corrosion. These and a few more desirable properties make it a material of choice to manufacturers.

The use of aluminum is particularly useful in making parts for the aerospace, healthcare, and automotive consumer market.

Aluminum aids the process of machining on CNC machines by simplifying and improving the process. The many grades of aluminum can be easily penetrated by cutting tools, and easily chipped to shape.

This is unlike other materials with similar properties to aluminum. Did you know that aluminum can be machined faster than iron? Yes, more than three times faster.

What are the benefits of machining aluminum? Let us find out.

Advantages of Machining Aluminum

Conductivity

CNC aluminum machined parts are good for making components for electrical appliances because of the good conductivity of the material.

Even though aluminum is not as conductive as copper, it has been tested to be very useful as it has about 37.3 million Siemens/meter under normal room temperature.

Aluminum Recyclability

One of the good sides to using aluminum for CNC machining is that it is easily recyclable. This means that when you use aluminum for work, nothing wastes.

That makes it a good choice for manufacturers since it helps them save money. It is also good for the environment. It has no negative impact on the environment since it can be recycled.

Machinability

Aluminum is can be easily machined and that is the main reason why engineers prefer aluminum for their machining jobs.

With aluminum, everyone benefits from the quality of the material. The machinist, the business owner, and the customer who meets the end product.

Aluminum can be chipped easily. This makes it easy to make quick cuts that are accurate using CNC machine tools.

With that, there are even more benefits. The cost of the machining is less when less time is used to do the job.

Also, since aluminum is easy to cut and chip, there is less risk of deformation during the cutting and shaping phase.

Your aluminum workpiece is a good investment for every member of the market. The consumer, the machinist, as well as the business owner.

With high machinability, the CNC machine is bound to meet a tighter tolerance. This will lead to better repeatability and high accuracy.

Resistance to Corrosion

The corrosion resistance may differ based on the grade of aluminum. And this difference may be significantly great.

But many popular aluminum grades have high corrosion resistance as well as some other alloys at the back end of the spectrum.

Strength-To-Weight

Among the many desirable properties of aluminum, its lightweight and strength are two very important aspects.

The lightweight and strength of a material are critical properties of any material. That makes aluminum a favorable choice in the automotive and aerospace industries.

Different grades of aluminum have different strength-to-weight ratios and that is why the different grades are used for different purposes.

Conclusion

Aluminum has held the round for a while. Its machinability, weight, and strength make it valuable to both sellers and buyers alike.

Why Headband wigs are the best choice for Rookies

By
William
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0

Headband wigs are the most optimal choice for beginner wig wearers. They are excellent in helping the wearers get used to putting on wigs. This effect is how they manage to stay a step ahead of all other wig types. At least in the field of comfort and ease of use, the beginner headband wig simply cannot be beaten. Hence headband wigs for beginners are a logical step.

Even for pro wig wearers, the allure of the headband wigs remains. The headband wigs are generally not as stiff-feeling as the regular wigs. But this is just one of the reasons it is a fan favorite. But this should not be a surprise. From fitness to sudden activities and everything in between, headband wigs can be counted on.

Why Use Beginner Headband Wigs?

The first reason is that it is usually in a fixed style compared to other wig forms. This of course also differs based on the material the wig is made from. The headband wig could either be of synthetic or human hair base. Either way, headband wigs are made to be easy to put together.

The headband attached to the wig kind of holds it together. This way, one could almost run their fingers through it and be good to go. That, however, is not recommended. A few seconds of running a comb through it (even while on the move) would be much better. So whether as a beginner or a pro, if one has a fast-paced schedule, these babies are just right.

Maintenance is Really Low

Secondly, they are kind of low maintenance. So no need to put much thought into maintenance. This does not mean that they should be ignored either. But most people feel that they could be used on every other occasion where wearing a serious wig would be overkill.

Assume a person wants to step out to get something or an errand around the neighborhood. A lace human hair wig would be overkill in this situation. This is because the lace wigs seem more formal. But the headband wig is just right. For those casual or “I don`t really care but I still need to look good” moments, the headbands fit perfectly.

Third, they are much cheaper. If a person is looking to see if they want to start with wigs, cost should be considered. Since it is sort of a test run, the headband wig has a beginner-friendly price range. So the experiment or test still goes on, without risking much financially speaking.

Last but not least, why not? Factually speaking, the headband wigs have a certain charm to them. They might not work for office duties, but they are more diverse. With the right dress, they are excellent options for a casual dinner or outing. Look at it this way, as long as it is not worn with a suit, there is a headband wig for just about any other clothing option.

Conclusion

So as a beginner, headband wigs are more than ideal. They are perfect. Now the rationale for headband wigs for beginners should be clear.

9 Lifestyle Tips to Manage Tachycardia

By
William
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For most adults, the heart beats 60 to 100 times per minute. When someone’s heart beats more than 100 times per minute, they have a condition called tachycardia. During certain specific experiences, it’s normal for your heart rate to go above 100. This may happen during exercise or when something scares you, and it’s called sinus tachycardia.

Sometimes, your heart beats faster than 100 beats per minute due to a problem in the heart,or an underlying health problem such as diabetes or thyroid disease. Other times, doctors aren’t entirely sure why a person’s heart rate is higher.

Some types of tachycardia cause episodes during which the heart rate goes irregularly high – someone’s heart rate refers to how often the heart beats per minute. Other types, such as inappropriate sinus tachycardia, are associated with a high resting heart rate. This means that even while sitting down, someone with this type of tachycardia may have a heart above 100.

Types of Tachycardia

There are different types of tachycardia. Here are some of the most common types:

  • Atrial fibrillation, also called afib. This is used to describe an irregular and often fast heart rate. About 3 million to 6 million people in the U.S. have atrial fibrillation.
  • Supraventricular tachycardia (SVT) or atrial tachycardia. Your heart has two upper chambers and two lower chambers. With SVT or atrial tachycardia, a fast heart rate is caused by abnormal firing of the electrical signals in the heart’s upper chambers.
  • Ventricular tachycardia. This type of tachycardia is caused by an abnormal firing of the electrical signals in the heart’s lower chambers. Ventricular tachycardia can be life-threatening, especially if you have other previous heart damage. That’s because ventricular tachycardia may not allow enough blood to pump throughout your body.
  • Inappropriate sinus tachycardia. This type of tachycardia causes a person to have a higher-than-normal heart rate without a clear cause. “I often explain to patients that the brain and the body tell the heart how fast to beat. With inappropriate sinus tachycardia, that set point is off for whatever reason,” says Dr. Sandeep Jain, a cardiologist and professor of medicine at the University of Pittsburgh School of Medicine.

The Dangers of Living With Tachycardia

How serious someone’s case of tachycardia is may vary depending on the cause, how fast the heart races and whether the patient has underlying heart disease, says Dr. Kenneth Ellenbogen, director of electrophysiology and pacing for the Virginia Commonwealth University School of Medicine in Richmond and an American Heart Association volunteer medical expert.

Ventricular tachycardia is considered more serious and must be addressed. Having afib increases your risk for stroke because your irregular heartbeat can allow blood to collect in the heart and potentially form a blood clot that can travel to your brain. This makes it another type of tachycardia that requires monitoring.

Inappropriate sinus tachycardia isn’t life threatening and doesn’t appear to weaken the heart muscle, Jain says. Still, if a person has it and their heart rate shoots up extremely high, it may require medical attention.

Treatments for Tachycardia

Treatments for tachycardia, depending on the type you have, include:

  • Medications such as beta blockers and calcium channel blockers.
  • A procedure called an ablation, which destroys the cells causing the tachycardia. Doctors may try ablation if medications have not helped enough.
  • A pacemaker, which is a type of device inserted under the skin that uses electrical pulses to help correct an abnormal heartbeat.
  • An implantable cardioverter-defibrillator, which is a small device that detects your heart rhythm and sends electrical shocks to help correct it. This is used when you have life-threatening tachycardia.

Treatment can help cure certain forms of tachycardia, such as ablation that fixes an abnormal electrical circuit in the heart.This can include atrial fibrillation, SVT and ventricular tachycardia.

Other treatments like medications may not cure tachycardia but can lessen the burden of it, says Dr. Nikhil Warrier, a cardiac electrophysiologist and medical director of electrophysiology at MemorialCare Heart & Vascular Institute at Orange Coast Medical Center in Fountain Valley, California.

In addition to treatment, there are certain lifestyle changes that can help keep your heart rate under control when you have tachycardia.

9 Lifestyle Tips for Tachycardia


Anything that’s considered a stimulant can potentially increase your heart rate. Two big triggers for tachycardia are caffeine and alcohol. In fact, alcohol can raise the risk for afib and make existing cases of afib worse.

Other potential food triggers for tachycardia include:

  • Salt.
  • Spicy foods.
  • Sugar.
  • The chemical MSG, used in some Chinese food.

You should listen to your body to track what triggers are strongest for you, Jain recommends. Each person’s diet-related triggers may slightly vary.


Studies show that weight loss in overweight patients with atrial fibrillation can help to keep their heart rate lower, Ellenbogen says.

For instance, a 2015 study presented at the American College of Cardiology annual meeting that included 355 obese patients with afib found that losing 10% of their body weight made them six times more likely to no longer have afib or its symptoms.

You’ll want to check with your doctor or a registered dietitian on the best tips to help you lose weight. However, a heart-healthy diet that’s rich in fruits, vegetables and whole grains is always good for the body, Warrier says.


If you have tachycardia but you’re otherwise healthy, your doctor will most likely recommend that you exercise regularly. “Any form of exercise will work as long as you aim for 150 minutes a week,” says Dr. Leonard Pianko, a cardiologist and founder of Aventura Cardiovascular Center in Aventura, Florida. The goal of moderate physical activity 150 minutes a week can break down to 30 minutes daily, five days a week.

Some exercise possibilities to keep in mind include:

Check first with your doctor to see if you should keep your heart rate below a certain level. Some providers may follow a pre-established formula to determine your heart rate limit when exercising. The American Heart Association has a resource that addresses target heart rates, but again, always ask your doctor what’s right for you.


Certain medications can raise your heart rate and may be better to avoid. These can include:

  • Cold medicines like decongestants (for example, pseudoephedrine and phenylephrine).
  • Albuterol, used often in inhalers to treat asthma.
  • Certain antidepressants, including selective serotonin and norepinephrine reuptake inhibitors.

If you use medication for your tachycardia, it’s also possible for certain drugs to have an interaction with the medications you currently take. That could lead to unwanted side effects.


If you know you have tachycardia, then your doctor probably already did some tests to rule out health conditions that sometimes cause a faster heart rate. These can include:

These conditions can raise your heart rate for different reasons. For instance, your heart must work harder when your body has excess thyroid hormone, and one common result is a faster heart rate. Anemia, which is a low iron level, forces the heart to work harder to make up for decreased oxygen in the blood.

Continue to monitor your overall health and let your doctor know of any new unusual symptoms that may require further testing, just in case they’re associated with your faster heart rate.


Heat can lead to a higher heart rate in some people. More specifically, the dehydration that often happens when you’re out in the heat puts extra stress on the body. That’s what can make your heart rate shoot up. If you live in a hot environment, do your outdoors exercise first thing in the morning or in the evening, Pianko advises.

Stay well hydrated, and replenish electrolytes that your body uses after exercise or extreme heat. Sports drinks and coconut water can help replace electrolytes.


Excess stress and anxiety can cause your heart rate to speed up. Try to identify what’s causing your stress. Use some common-sense tips to help you cope with stress, such as:

If you still have trouble managing stress, consider seeking further help from a mental health professional.


Knowing what your heart rate is throughout the day and during certain activities can be empowering. If you want to know your heart rate specifics, consider buying a fitness smart watch that will track your heart rate.

The watch will also track your heart rate data over time so you can share those numbers with your doctor. If you go to a gym, you can also monitor your heart rate on most exercise machines.


Once you have diagnosed tachycardia, you may plan to return to your primary doctor or a cardiologist every few months for monitoring. It’s also helpful to know when you should see your doctor sooner rather than later, Jain says. Plan to set a doctor’s appointment if:

  • You’re having more frequent tachycardia episodes. An episode may last a few seconds, a few minutes or longer, but it’s a time period where your heart races more tha normal. For instance, a person with SVT may have a heart rate of 150 to 220 beats per minute during an episode. You may also feel chest pain, dizziness and is if you are going to faint.
  • Tachycardia gets in the way of you doing the things you want to do.
  • The condition is affecting you emotionally.
  • You have to visit the ER for your tachycardia episodes.

6 brilliant strategies that helped these people pay off more than $800,000 in debt

By
William
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0

Getting out of debt isn’t easy. It usually requires a lot of time and sacrifice. But having a game plan can make the process easier no matter how much you owe.

If you’re not sure where to start, consider these six success stories about paying off debt with the help of simple tricks, tools, and strategies. All told, these people have paid off, collectively, more than $800,000 in debt.

1. Visualize your debt

An $18 dry-erase board proved to be a good investment for David and Alana Almonte. The couple, who live in Exeter, Rhode Island, say they used this simple tool to help them tackle student loan debt.

“I’m a very visual person, and my wife is very visual,” David told Grow earlier this year. So he decided that a good method to help them ditch their debt was to track the total on a board in their kitchen. That daily reminder nudged them to spend less, helping them pay off $18,000 from 2016 to 2018.

2. Organize your home

Abigail Ness, a 34-year-old research analyst from Nampa, Idaho, took inspiration from decluttering guru Marie Kondo and used home organization as a way to improve her finances. She made an inventory of her belongings, which led her to change her shopping habits and reduce unnecessary purchases.

“I made it my mission to be resourceful with the things I already own,” Ness told Grow earlier this year. Getting organized helped her pay off $43,500 in debt over three years.

3. Adopt a one-income lifestyle

Bernadette and AJ Maulion of Charlotte, North Carolina, realized they would need to cut their spending significantly to quickly pay off their more than $300,000 in student loan and mortgage debt. So they made a plan to only live off of one income — AJ’s $91,000 salary. To keep their bills in line with that single-income strategy, they sold many of their possessions, including one of their two cars and unneeded furniture and clothing.

“Seeing how much I was paid for things [I sold] and how much they depreciated deterred me from wanting to buy things,” Bernadette told Grow earlier this year.

4. Use cash — and only cash

Cash is king for 23-year-old Kristy Epperson of Dayton, Ohio. Using a cash-only spending strategy, Epperson was able to pay off $20,000 in student loan and auto loan debt in just one year.

By ditching plastic, Epperson found that she was more mindful about where and when she spent money. That helped her avoid online shopping and ordering takeout. “I would look at my credit card bill and not even remember some of the charges,” she told Grow.

5. Communicate about money with your partner

After their honeymoon in 2014, Michael and Taylor Lacy of Houston, Texas, realized they were $61,000 in debt. That didn’t sit well with the newlyweds, who became motivated to pay it off as efficiently as possible.

The couple made a budget and had monthly money meetings to discuss their saving and spending habits. They credit their candid conversations with helping them stay on track even through setbacks like a job loss.

6. Account for every dollar you spend

After leaving graduate school in 2014, Kayla and Ryan Anderson had a combined $336,676 in student loans to contend with. To make the most of every cent of income, they used a zero-dollar based budget. That means you account for each and every dollar you spend so that your income minus your expenses equals zero, leaving no room for frivolous spending.

The Andersons keep just $25 each per month to spend as they wish on small indulgences like eating out. They are on track to have paid off $400,000 by the end of 2019.

“It’s those structures and that system that have helped us learn a financial lifestyle that is sustainable,” Kayla told Grow. “It’s not like a quick-fix diet.”

Business insurance costs up 15% despite reforms survey finds

By
William
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0

The cost of insurance for businesses and voluntary groups continues to rise despite reductions in the value of certain personal injury awards introduced earlier this year, a new survey has found.

The Alliance for Insurance Reform says recent insurance renewal costs are up 15% on average, despite the changes made by the Judicial Council being put in place in April.

The organisation has been carrying out an ongoing survey of insurance costs since the new personal injury guidelines took effect, with over 380 businesses responding.

While respondents reported private motor insurance renewals fell on average by 10%, there were substantial increases in charges on commercial policies.

Homecare businesses have seen the biggest increases in premiums, up 122%, while nursing homes have seen their insurance costs rise 35%.

The results also show that hospitality premiums are up 9%, even though many providers have been operating at reduced capacity or have been closed for much of the period.

A related survey of 74 members by the umbrella body for the community, voluntary and charity sector, The Wheel, found nearly half of its members saw their liability premiums increased by more than 10%.

Last week, the Personal Injuries Assessment Board said its average awards since the new guidelines came into effect had dropped by 40% compared to last year.

But the Alliance claims the benefit from this, as well as a reduction of liability related personal injury claims over the past decade, the commencement of the Perjury Act, the opening of Garda Insurance Fraud Office and hugely reduced claims in the last two years due to less economic activity, has not yet been passed on to customers.

 

“Everything is being done to facilitate affordable insurance,” said Tracy Sheridan, owner of Kidspace play centres and director of the Alliance.

“And yet we still see premiums increasing.”

The Alliance has called on the Government to urgently act to boost competition by getting more underwriters into the market.

It also claims a range of other reforms need to be carried through on, including by rebalancing the duty of care, reforming PIAB and establishing a publicly-owned fraud database.

Last week the Tánaiste said he expected the drop in personal injury award levels would be reflected in reduced premiums for individuals, businesses and volunteer groups.

He added that the Government will continue to work with the insurance sector to make sure this is the case.

Insurance Ireland said today that the market for Employers Liability and Public Liability has been loss making for a number of years and remains very challenging.

“The reality is that the number of insurers providing El and PL cover in the Irish market has been reducing because of these challenges,” Insurance Ireland said.

“The reductions in claims pay outs announced by PIAB following the introduction of the new Judicial Guidelines on Personal Injuries are very welcome, but they are relevant only to the PIAB cases and we don’t yet know the impact on claims that are being litigated through the Courts,” said Moyagh Murdock, CEO of Insurance Ireland.

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“The Public Liability and Employer’s Liability insurance market remains very challenging in Ireland and needs to be more attractive in order to attract more competition,” Ms Murdock said.

She also said it is essential that, apart from the introduction of the Judicial Guidelines earlier this year, the other measures in the Action Plan for Insurance Reform are progressed.

These include the strengthening of the powers of PIAB, the rebalancing of the duty of care between business and the citizen, and increasing competition in the market.

“It is particularly crucial that we see a strengthening of PIAB’s ability to settle cases so that fewer claims go to the Courts, where the legal costs add so much to the overall cost of settling claims,” Ms Murdock added.

Best Braiding Patterns For your Lace Wig Installation

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If you want to have a lace wig installed most effectively with no worries, then going for sew-ins will be the best idea. The type and pattern for your sew-in determine how best and comfortable your HD lace wig will sit on your head. 

In this article, you will learn the best trending braiding patterns, but just before, you got to know the importance of braiding and what is done before braiding.

The importance of Braid Patterns

You are firstly braiding patterns aid to the creativity of styling your hair. The type of braiding pattern determines where and when to fix any kind of waves. Braiding patterns determines the realist of your sew-ins. This affects the sitting and positioning of your hair extensions.

Braiding pattern that is not properly done involves the fitting of your sew-in. Braiding offers real-time protection to your natural hair. Braids are the best soldiers against any kind of physical damage to your hair. Either braid can keep your hair to be flexible due to the tangling effect. It is also believed that braids enhance the fast growth of natural hair.

The Dos Before Braiding

It is very important to ensure that the following practices are done before braiding your hair.

1. Wash and Condition your Hair

It is best to ensure that your hair is immaculate before braiding. You can achieve this by washing your hair using a shampoo detergent. After shampooing, ensure you gently condition your hair.

2. Trim Your Ends

It is best to trim your ends while your hair is wet. This is to ensure that the hair strands are soft and grows appropriately.

3. Dry Your Hair

Braiding on wet or humid hair can make your braided hair stink and have a stuffy smell. It is, therefore, best to dry your hair completely for it to have a clean smell and perfect braiding.

Top Braiding Patterns

1. Braided Straight Back with Leave Outs

This pattern ensures that you have a classy and sleek sew-in of an HD lace wig. This particular pattern gives an allowance of cornrows that are straight to the back of the entire head. However, this pattern is best for people with long hair.

2. U-Part Braiding Pattern

These patterns are U-shaped, as the name suggests. The U-shaped opening allows a better portion of your natural hair at the top to be left out. It would help if you also did an ear-to-ear extension of your anchor braids.

3. Beehive Braiding Pattern

This braiding is best for full sew-in of HD lace wig. The braids are made in a circular manner on the whole head. You might prefer few twists here and there with a complex beehive braiding pattern. However, you will be able to wear a bang if using the normal or regular braiding pattern.

4. Asymmetrical Braiding Pattern

Side part sew-ins go well with this kind of braiding pattern. You will need to construct the braids around your head then do straight down to have the asymmetrical pattern.

5. Vixen Braiding Pattern

You will need to construct mini beehive patterns for you to achieve this kind of braiding pattern. You can have different portions and parting options to twist around to make creative looks and styles.

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