9 Practical Tactics To Show Tumbled Stones Right Into A Gross Sales Machine

This smoke just isn’t meant for inhalation; you don’t want Fido sucking it down since you overdid it. The pulses of our heart may fluctuate like they might increase in speed or slow down or typically entrain with the pulses of the drum rhythm until the time good harmonization is achieved. 2. You could want to open a window, as sage (and different herbs) can typically smell fairly pungent, even when not overdoing it. After that, open all of the windows and doors to release the damaging energies hooked up to the smoke. It represents a lower stage of consciousness when any individual refrains from protecting an open thoughts. For more information visit us at Crystalis Treasures

What are tumbled stones used for?

For some, meditation helps quiet the mind. Preserving foods not only helps to stop meals waste but also lengthens the time you can enjoy your harvests. Crystals are very receptive to your intentions and you’ll allow them to know what you want to them to help you with. These stones typically contain chromium and are heat-treated to carry out a rosy-purple to pink hue within the gem. Opal – A delicate gem with plenty of variation between stones. Opal can be worn or carried as a talisman to absorb destructive energies, protecting us from destructive feelings we might encounter in our day by day lives. We ask with our feelings. There are places in the US the place you possibly can actually dig and mine your individual gemstones, but for most people, getting tough means shopping for it. Read more: https://crystalis.com/tumbledstones/

Crystal grids are an effective way to boost your intentions additional to fruition. For each completely different layer, you’ll be able to add different photographs and intentions. When in doubt, burn much less-you’ll be able to all the time mild it up once more-this is a much better various to having to look forward to it to die out on its own. 4. In my experience, loose sage produces way more smoke than bundled sticks. So much of recent-agey people seem drawn to sage pots and abalone shells for some motive, so you will often discover them for sale next to the smudge sticks. You may hear some people claim this variety is better for this, and this sort is healthier for that -and it might be, for them-however you aren’t them, and also you need to decide on the type that most closely fits you.

There are a few people who are skeptical on the powers of gemstones. There are two forms of healing that the majority psychic mediums use. Once they enter a state of trance, their other facilities like sound and speech develop into slower and it looks as if they are talking in monotone. That will definitely sound great but how will women be able to try this? Right here, you’ll uncover that wearing gemstones and carrying crystals is a extremely efficient manner to advertise well being and healing. Crystals have been used for thousands of years as tokens and talismans for their crystal meanings and healing properties believed to help support and enhance your personal journey via life. Claudia Tello – thanks for the go to, I hope you possibly can have a go at this recipe.

Should I get rough or tumbled crystals?

You need to use any number of assorted techniques to attain chakra balancing. It as soon as was that chakra balancing was a lengthy and difficult process. The seventh Chakra or the Crown Chakra is represented by the color violet. Start out with a few items and go from there. It doesn’t take a lot; a few minutes must be sufficient for a primary clearing. Tin and different thin supplies are a no-no-they will burn like hell whenever you decide them up, and they’ll scorch the floor beneath them if your sage-burning ritual lasts lengthy sufficient. There are lovely Swarovski crystal Christmas bushes, snowmen or angels to choose from.

There are others you might attempt as nicely, however I’d recommend these first. There are several curing bracelets accessible that mix birthstones and Zodiac signs to nourish your natal impulses. The aromatic compounds work to extend blood circulation, improve the production of digestive fluids and enzymes, relieve and smooth muscle spasms, relieve ache, promote sweating, and are antiseptic. Spearmint is effective in treating menstrual cramps, flatulence, indigestion, flu, morning sickness, nausea, muscle aches, and vomiting. They are additionally commonly used for aromatherapy and as a home air freshener. Cobra stands are three legs carved from a single piece of wooden in order that they’re all interlinking.

It is construction is preserved however the wooden fibers slowly transform into stone. Hearth Agate is the stone of decisive action. Utmost care ought to be taken to stop it from falling or hitting arduous floor because the stone would shatter to pieces on account of its pliability. Lapis Lazuli – This stone has been used for hundreds of years in jewellery and ornamental objects. Lapis Lazuli also heals the throat. Don’t overdo it; your property will reek. My machine is partly residence made. Hold the thumb on the guru bead and begin chanting your mantra feeling the circulate of energy rising up through the basal chakra.Go through your complete mala till you reach the Guru bead.

Begin with a prayer and set your intention. Simply burn your herb of selection (see below) and permit the smoke to surround and permeate the article, room, person, and many others. You possibly can burn the herb in its loose kind, or you can burn a stick of bound leaves. With the type of life-style that all of us are following lately, sleep deprivation and increase in physique fat is sure to exist. They are so elegant. HEM White Sage incense sticks are handcrafted for high quality fragrance. Sage White Smudge and Rosemary Elf Leaf Stick Excessive grade White Sage and Rosem.. Excessive grade Blue Mountain smudging sage 4-5 inch stick This Sage has aroma to cleanse negativity, ha..

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Six Issues To Demystify Online Doctor

Private loan for dangerous credit can additionally go about as a prescription to mend bad credit score history. These are two sample Prescription HCG recipes available to dieters. There you will see all the information you need about our two packages, the regular 3 12 months online MD program; and our newly revised 5 year online mixture Bachelor of Science and Physician of Drugs program for High school Graduates, Dwelling Schoolers, and other non-conventional students. As this system has continued to broaden and develop, it was appropriate to create a separate faculty It is an thrilling, unique program that trains the student within the medical arts and medical sciences for application in non-clinical careers. For more information visit us at Quick RX Refill

Are online Doctors any good?

Cutting down all of the travel costs makes medical care extra inexpensive and financial for our customers. Effectively, you possibly can trot down to your local medical doctors’ workplace and wait in line, or you possibly can name an online doctor and get an online docs advice. By no means Share Any Personal Data: If any site requires you to share your personal particulars comparable to checking account particulars, debit card quantity, detailed medical historical past or something that is actually not wanted, kindly close it down. A bunch firm of Policybazaar, docprime gives you access to extremely expert registered medical practitioner as a way to avail hospital-high quality healthcare right from the consolation of your house. Ebook lab take a look at right from the consolation of your house. Read more: https://www.quickrxrefill.com/online-doctor.php

Having to travel lengthy distances just to get consultations and medicines, or to take lab tests is usually a tiresome process, especially if you live in a remote space. So book diagnostic checks right this moment and get up to 50% off. Frames today have additionally change into extra of a vogue statement. Query 1: I’ve a medical query. Question 2: Can medical doctors at docprime help me with my medical issues? Query 4: Are doctors on your crew certified? We’ve got specialists from greater than 22 specialities, comparable to gynaecologists, dermatologists, pediatricians, gastroenterologists, cardiologists, orthopedicians, diabetologists, oncologist, dietitians, urologists and more who can be found if you need to talk to a doctor online!

So, if you are at the ease and do not want to roam around the outlets in search of a perfect and fashionable frame, get it online. So, you save loads of time. Ask a Doctor & get solutions to your well being queries totally free or take pleasure in a one-on-one online consultation, at any time and from anyplace. With a workforce of extremely-skilled medical doctors, AI-enabled Chatbot technology and, a straightforward-to-navigate, person-friendly interface, docprime is all set to beat arduous health challenges and ensure quick access to certified docs for billions of people, creating an expertise that’s actually delightful for each finish-customers and healthcare experts. Find a few of one of the best doctors near you; verify their physician profiles, and e-book an appointment on-line with the doctor of your selection get 50% off on booking fees, all with just some clicks and in a matter of a couple of minutes.

Can you get a prescription without seeing the doctor?

It is strongly recommended that you are studying multiple evaluation before you resolve if the medical institution is the very best one to make use of or not. You need to use the computer systems in the varsity library within the meantime, and earlier than you know it, you’ll have your individual laptop once more. Please Click on the above link to be taken to our separate webpage for the school of Medicine. When you open the USA At present webpage to learn the morning data, you may even see an ad providing you a new set of clubs at a discount. Simply visit our web site and start interacting with greatest-in-class healthcare consultants from various specialties. This is not a substitute for a medical care, please go to your nearest healthcare provider for all emergencies.

Let’s start firstly the place we pay a visit to the optometrist or ophthalmologist who’re specialists certified to concern prescriptions for eyewear. Ophthalmologist – They’re specialists that take care of all diseases and ailments related to your eyes and even perform eye operations. Gastroenterologist – They’re the specialists in treating situations related to digestive system. The enormously low ratio of doctors to patients is considered one of the most important challenges for the country’s healthcare system. Question 3: What if docprime medical doctors don’t get me a response? Query 5: Is my private data protected and is the consultation on docprime personal? Observe: Your question will probably be accessible online publicly and you’ll be notified through electronic mail when it’s answered.

What you talk about with your physician will strictly stay confidential and private. That’s why you will need to have a reside chat with a doctor for various health situations on a secure and secure platform. And that’s why docprime endeavors to bridge the gap between medical doctors and patients with our slicing-edge expertise powered platform to deliver high-high quality healthcare anytime anywhere. Most of those on-line chemists also have docs who can offer you free on-line session for which you will not even should pay a penny. However, should you endure from plans of planning to Canada particularly by family automotive, there can be fewer things to worry in the case of militant uprisings and even exotic illnesses. There are a lot of minerals and parts in todays technology that may harm lives.

With MFine, there should be no second ideas about booking a web based health examine up or about online medicine supply. With MFine, you get entry to extremely qualified, specialised doctors across the clock with a mean expertise of greater than 10 years. On MFine, you can skip the ready time and get health care at your fingertips. Spasms and those sprains will stop manifesting in the most unexpected time. No matter what your medical questions are, our doctors will be capable of level you in the proper direction in the direction of the improvement of your well being. Reply: Relaxation assured, our team of docs won’t ever miss out on responding to your medical questions. Nicely, buying a prescribed pair of glasses on-line will get you to the low prices and selection.

People have regularly discovered approaches to help make glasses hip and classy. If the chat periods have a video interplay choice, you possibly can show him your studies or scans and that may be of help. An instant stay chat with a physician, blood take a look at at house, or even a full health check up at residence is not going to just save you time, but in addition your cash. We even have tie-ups with top hospitals in town to talk with a physician and give you the quality medical care you deserve. What do you do if you endure from any sickness or medical ailment? Like our Facebook page!


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The Benefits of Talking Numbers

We all love talking numbers. They are part of our everyday language, whether spoken aloud or just quietly wondered about in passing. That’s why they are perfect for lists such as this. Numbers can say so much. Even the seemingly “dumb” ones such as our birthday and anniversary can give us a lift if only by the idea of what they represent.

The words on these lists are either directly associated with numbers or come from their etymology or otherwise derive meanings from counting words. You’re welcome to contribute to our Talking Numbers project by entering them into the boxes provided. Within minutes, you’ll be helping to create our Talking Numbers dictionary. Each word will be assigned a number from one through 100, depending on its popularity. Additionally, you’ll also be entered in a play by means of musical chairs.

Just think how wonderful it would be to hear the names of those in your friends and family circle or those of those who live far away. Wouldn’t it be wonderful to know the names of the great men and women in your life, those whose deeds you admire and want to learn more about? It would be interesting to see which of your coworkers are efficient and hard working. And who among your acquaintances are more outgoing? All these questions and many more, are answered by the alphabet when you enter the numbers into the boxes provided.

Conversational Phrases. As you hear the words spoken out loud and attempt to decode what they mean, the number in the box is sure to increase. Think of all those numbers and words you encounter on your daily commute. How many are there saying the same thing? You’ll be amazed at the quantity of correspondence that comes to your mind.

Geographical terms. When you see numbers on the road sign, what does it mean? When numbers appear in a map and you can’t make out what their meaning is, you get the same difficulty. You will also be amazed at the number of words that come with numbers like road, railway, bus, train, etc.

Derivative Phrases. Numbers are used so often in daily life that it’s not surprising that there are several derivatives of numbers. The words for numbers such as door, doorbell, telephone, phone directory, etc., indicate the origin of the number. The words for numbers also have specific connotations. For example, the word ‘door’ in English denotes a house while the number zero signifies the empty space.

Talking Numbers. One of the benefits of talking numbers is that it enables you to know who is talking to you. There is no need for body language or gestures when you can simply look at the talking person on the other side of the phone and know what she’s saying. Talking numbers have made it easy for people to stay in touch with each other and that’s why they are very popular.

Talking numbers are more than just handy when you’re trying to reach someone. They’re great fun too, so if you ever get bored with reading letters and phone numbers to try to talk them. They’re definitely worth learning! You might just learn a thing or two along the way!

The hardest part might be getting the headset right. This is where a little bit of practice comes in. If you ever used a walkie-talkie, you’ll be familiar with how these things work. However, you’ll need to get used to holding the headset properly so that the receiver doesn’t fall out of your mouth.

Practice makes perfect. You might need to make a few trial runs before you get the hang of it. It’s worth it though! Holding the headset correctly will enable you to talk to anyone – even those you don’t like!



As you become more skilled with talking numbers, you’ll probably want to start holding live phone conversations as well. Don’t worry if you can only talk on the phone for a handful of seconds at a time at first. That’s perfectly fine as long as you remember to breathe in and out properly. Soon enough you’ll be talking to anyone you please!

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A Brief History of Book Presses

A book is a written medium for recording historical information, usually written of several pages covered together and enclosed by a covered cover. The most technical term for this manuscript format is codex. It is often used as a medium of communication between researchers and other interested parties. In recent years, electronic books have been gaining popularity.

One of the earliest works in this tradition was written about four centuries ago in Greece by the name of Homer, an epistle written in Greek. Homer’s epistle is called the Iliad. The work was known as the Odyssey, which is regarded as one of the greatest epics in the world, a story of heroics by the famous poet Homer. The Iliad was adapted by one of the great geniuses of modern times, the English playwright William Shakespeare who wrote the play Taming of the Shrew, based on the Iliad.


The Iliad and the Odyssey are not the only two literary works derived from ancient Greek writing. Other epics that belong to the same genre as the Iliad and the Odyssey include the Achebes, Pharsalia, and the Aetna. These literary works were also produced in hand-made scrolls similar to the ones mentioned above. Originating from the period of the 7th century BCE these scrolls were mainly used by lower class citizens as legal documents. The scroll makers would write a brief account of a particular incident or legal case within a scroll that could be presented legally to the next level. However, over time the role of these hand-made scrolls as a means of preserving historical and political information was taken over by those who used the technology of printing.

Printing technology was invented around the same time as the scrolls, hence the two became one. The first printed scroll came about during the nineteenth century when people started using typewriters. Once again the purpose of the scroll maker was to create legal documents but this time it was in the form of a book instead of a scroll. The earliest copies of these early books were not very informative and did not deal with legal matters but dealt more with everyday events and occurrences. However, the invention of mass-produced paper allowed people to create longer works of art more easily.

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After the 19th century scrolls became more popular as they no longer had to be created by hand and people could now produce as many as they wanted without any cost to them. A number of methods were used to create books, among which the most common was engraving. This process involved passing an engraved image on a piece of white paper while the text was written on another surface. This engraving method was quite effective as it was easy to produce excellent quality textiles using this method. One drawback of this method was the difficulty in seeing small print. This problem was later solved with the invention of the magnifying glass.

A new type of book-making method came into being known as the press-roll book-press. This new type of press-roll book maker made it easier for people to create large numbers of inexpensive books as it required less effort to press the rolled paper. However, the new presses could only be used on a single sheet of paper at a time. People soon realized that it was possible to easily create unlimited books by using the steam press although the cost was increased and some people began to consider it a waste of time.

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Things To Do And See In Boise, Idaho

The capital of Idaho and largest city, Boise is the third largest city in Idaho after Spokane and Billings. Located on the bank of the Boise River and bordered by the vast tributaries of the Boise River, the city is bordered on three sides by the mountains and on two by the Boise National Forest. It is named “The University of Idaho’s School of Medicine” because of the numerous medical institutions it houses. Famous for its amazing coffee shops, Idaho’s largest college and hospital is located here. Aside from the famous Boise coffee shops, there are also historical landmarks that you may want to visit.

If you’re an avid traveler, then you’ll know all about Idaho’s famous “Old Town.” This historical area is home to the original downtown shopping areas. It is also a significant historical site as it has been the location for many battles and insurrections throughout Idaho’s history. One of the most striking landmarks here is the historic First Congregational Church. Its beautiful design is representative of Idaho’s rich heritage. Other notable landmarks include Idaho State Capitol, Old Town Square, Boise River Park and the Boise Art Museum.

The Boise Art Museum is one of the best places to go if you want to learn about Idaho’s history. Here you’ll find original art pieces and other artifacts from the history of the state. Also, during this time, Boise became the home of the Boise Women’s Theater. Here you will see some of Idaho’s finest entertainment, including the Boise Symphony. There’s also a recreation center here where you can spend your days playing tennis, basketball, swimming and other sports.

What do you enjoy about Boise nightlife? Its music scene features some of the finest musicians in the country. Boise is also home to a lot of history and festivals. These include the Idaho State Fair and the Jazz Fest. Other attractions include Space Shuttle launches, the Idaho State Fair & Rodeo and the annual Jazz Festival.

How do you feel about the environment around you? It’s good to know that you’re not responsible for the damage done to the environment because of your behavior. The natural landscape of Idaho offers you a variety of habitats and climates. Some examples of these are the Snake River Canyon and the Cedar Caves. Boise offers amazing natural scenery and views, so you don’t need to worry about the environmental impact.

Don’t forget to check out the hotels in Boise. You might be surprised at how many options there are. Hotels in Idaho include small bed and breakfast establishments, family motels, campgrounds and full-service hotels. Whatever type of lodging you prefer, you are sure to find it in Boise.

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How Can Kefir Benefit Skin Conditions?

Probiotics have increased immensely in popularity within the beauty sector, and it is also now known that achieving a healthy and glowing complexion starts in your gut. Fermented probiotic-packed foods like kombucha, sauerkraut, and miso are now included in many people’s diets, for a very good reason. Research has shown that harmful bacteria in the body and gut interact in a negative what with the immune system. This often leads to skin changes that trigger issues such as acne, rosacea, and redness. Live Kefir Company also talks a lot more about these conditions.

So you may be wondering how to include more probiotics in your diet? Research and studies have shown that kefir a yogurt-like, fermented drink can help you to eliminate bloat, leave you feeling energized, and to clear up common skin conditions and problems.

What Is Kefir?

Kefir originates from the Caucasus Mountains of eastern Europe. It is similar to eating yogurt, but the effects are far more powerful. Kefir contains many strains of non-transient bacteria. This bacteria re-populates in your gut with good bacteria which helps to promote and enhance healing.

The Science Behind It

The probiotic properties of kefir were initially discovered in 1908, with much more recent research that covers its significant healing properties. The latest studies have shown that conditions such as acne, rosacea, psoriasis, and eczema are not skin conditions, but rather autoimmune disorders that directly relate to the gut. From these studies, kefir has shown a potential to re-populate bacteria in the gut, which helps to heal skin conditions.

How Can You Benefit From Kefir?

Most people to some degree or another, have microbiome damage that is mainly caused by stress, sugar, and antibiotics. When it comes to the skin, this can manifest into psoriasis, acne, eczema, rosacea, while in the brain, it is often displayed as depression or anxiety. When it comes to your gut, it can manifest as bloating, pain, IBS, and food allergies. To summarize, if you want to heal your skin, you first need healing to commence in your gut, and a product like kefir can help you with all of this.

What Is The Best Way To Take Kefir?

To make sure you are experiencing optimal benefits, it is recommended to drink about 170ml every day for at least 21 days, as soon as you wake up in the morning. If you are currently experiencing an outbreak you can also apply kefir directly to your skin using natural kefir cleansing soaps or kefir lotions. Kefir is a strong-tasting fizzy and tart drink. If you do not like the taste you can mix it into a smoothie or use stevia (no more than a teaspoon) if you would like to make it sweeter.

What Are The Other Benefits Of Kefir?

Taking kefir on an empty stomach in the morning provides you with an energy boost thanks to lactate. Lactate is one of the preferable energy sources when it comes to the human body. Kefir also contains protein and B vitamins and impressive levels of phosphorus, calcium, along with many other minerals and vitamins. If you want to try and buy kefir, check on https://www.livekefircompany.co.uk/

Live Kefir Company

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What to Expect After Weekend Rhinoplasty Surgery Portland

Weekend Rhinoplasty surgery, Portland OR, is a cosmetic plastic surgery procedure that can enhance both the size and shape of the nose. The surgeon reshapes the nasal septum, or cartilage separating the nose into two equal parts. When the septum does not properly divide in the middle, it results in an unevenly-shaped nose. This can make the nose look either too large or too small to the person who has it. Weekend Nottingham is a surgeon in Portland Oregon that is qualified to perform Weekend Rhinoplasty surgery. Here’s what you should expect from this doctor.

Before getting any rhinoplasty procedure done, it’s important to meet with the doctor. During this meeting, you will discuss your appearance and what changes you’d like made to your nose. You’ll discuss which implants are right for you, how much change will be required to your appearance, and the steps your doctor will take to ensure the best possible outcome for you. It’s important to understand that no single procedure will make all of the changes to your nose that you want, and that the appearance of your nose will change over time as you age.

Once your initial consultation is finished, the doctor will schedule an operation date. Weekend Nottingham is a reputable plastic surgeon in Portland Oregon, who is very familiar with scheduling procedures such as this one. He will be with you every step of the way during the operation, and he’ll even help you prepare for it in the days leading up to the procedure. You’ll be provided with anything you need to stay as comfortable as possible, including prescription medications.

During the operation itself, your surgeon will begin by making an incision inside your mouth at the edge of your tongue. This will allow him to get at the cartilage behind your front teeth, which he will then sculpt over your upper and lower teeth. Once this is done, he’ll close up your airway, remove any excess skin, and reshape the bone where necessary.

Visit website and check out your new nose will look different than it did before, and you’ll immediately notice the difference when you see it postop. The implants will be installed behind your ears, on each nostril, as well as on the tip of your nose. You’ll also be given the option of getting a nasal-bump lift immediately after your rhinoplasty operation, to smooth out your nasal creases. The stitches will be removed after about a week, and you’ll be able to return home a little later than usual, but most of all you’ll feel more confident about yourself.

The surgeon will also provide you with advice and support after your operation. He or she will help you take care of any infections you might have, as well as discuss any follow up procedures you may need. In most cases, you should return to work within a few days to a week. In rare instances, you may need to stay in the hospital overnight, but this is rare. Weeknd rhinoplasty surgery Portland can be a very successful operation, and you’ll look fabulous right after the surgery. Just make sure that you schedule it for the right time, and talk to your surgeon thoroughly beforehand.

For more information about rhinoplasty in Portland Oregon visit The Portland Rhinoplasty Center and talk to board certified facial plastic surgeon Dr William Portuese.

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How Should You Invest Extra Cash?

If you find yourself with extra money at the end of the month or quarter after all of your expenses have been paid and you’ve made your regular retirement account contributions, congratulations! Now for the next question: should you be investing the extra cash, and if so how?

Following is a look at some of your options to help you decide the best course of action for your situation. But first, make sure that it is indeed excess cash and there aren’t any hidden or forgotten expenses lurking. If there are, devote the excess funds to these expenses first.

  1. Establish an emergency fund. A study recently conducted by the Federal Reserve found that four out of 10 Americans don’t have enough money in savings to cover a $400 unexpected expense. This drives home the importance of establishing an emergency savings fund you can easily tap when unexpected expenses arise, such as a car or appliance repair.

Everyone’s situation is different, but many financial experts recommend saving up between three and six months’ worth of living expenses in case of a financial emergency. This would likely be enough not only to cover an unexpected repair, but it could also help tide you over if you lose your job or experience a significant reduction in income.

Keep your emergency cash in an FDIC-insured savings account, like a bank or online money market account, so you can withdraw funds quickly and without penalty when they’re needed. You won’t earn much interest but that’s not the goal with emergency savings. The most important thing is that the funds be kept safe and liquid.

  1. Save for a short-term need. In addition to an emergency savings fund, you might also establish a savings fund for specific upcoming need. A car is a good example.

Instead of financing your next car, you could use extra cash to start a car savings fund. For example, let’s assume a monthly car payment of $400. If you put this much money in your car savings fund each month, in five years you would have $24,000 saved up to buy your next car. This could be enough money to buy a quality, low-mileage used vehicle or it could be a hefty down payment on a used vehicle, thus lower your car payments significantly. Beyond that, being able to pay cash means you have on less thing to haggle over when buying your car.

  1. Invest in alternative investments. There’s a whole universe of investments that go beyond stocks, bonds and Treasury issues. Known as alternative investments, these include real estate, art and collectibles, hedge funds, private equity, precious metals, commodities and cryptocurrencies, among others.

Alternative investments can provide more diversification to your portfolio. They usually have a low correlation with traditional investments so they can help smooth out portfolio volatility. Some alternatives can also provide a hedge against inflation and a safe haven during times of economic uncertainty. As your net worth grows, alternatives can help you spread your assets out among a wider range of different types of securities, thus reducing volatility. One note of caution when it comes to alternatives – they are typically less regulated and can be more complex than investing in stocks and bonds. So, before you invest in alternatives, make sure you have a clear understanding of the investment.

  1. Beef up your retirement savings. It’s never a bad idea to devote extra cash to a long-term financial goal like saving for retirement. If you haven’t maxed out contributions to your IRA, 401(k) or other retirement savings account for the year yet, consider putting your extra cash toward this.

In 2021, you and your spouse can each contribute up to $6,000 to a traditional or Roth IRA (or $7,000 if you’re 50 years of age or over), up to $13,500 to a SIMPLE IRA (or $16,500 if you’re 50 years of age or over) and up to $19,500 to a 401(k), 403(b) or 457 plan (or $25,500 if you’re 50 years of age of over). If you own a business or are self-employed, you can contribute up to $57,000 (or 25% of compensation) to a SEP IRA.

  1. Pay down debt. If you have high-interest outstanding consumer debt, paying this down may be a wise use of excess cash. But how should you prioritize paying down debt vs. saving or investing the money? Start by comparing the carry on your debt to what you could earn by saving or investing the funds.

For example, if you’re paying 19.5% interest on outstanding credit card debt, it’s pretty obvious that you’ll be better off paying this down than putting excess cash in a money market account earning less than one percent. But the answer isn’t as obvious if you’re trying to decide whether to pay down a 30-year mortgage with a low interest rate or invest the money for the long term, where it could generate a higher return than you’re paying in mortgage interest.

It often comes down to how you feel personally about debt. Some people just have an aversion to borrowing money and want to avoid debt or pay it down as quickly as possible regardless of what “the numbers” say. On the flip side, leverage can be a powerful financial tool if it’s used wisely and responsibly and you’re comfortable owing money.

As fee-only financial advisors, we can help you analyze these and other options and make the best decision regarding what to do with excess cash based on your situation. Book an introductory call with us or send us an email if you’d like to talk in more detail.


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High-3 Salary

How to Calculate Your FERS Pension and Disability Benefits

As a federal government employee, you have access to the Federal Employees Retirement System, also called FERS for short. This system includes a pension as well as disability retirement program.

What is Your High-3 Salary?

To determine your FERS pension and disability benefits, you’ll start by making a calculation that’s referred to as your high-3 salary. This is the highest average basic pay that you earned during any three consecutive years while working for the federal government.

Basic pay includes your base salary plus any salary increases you receive from which retirement deductions are withheld, as well as shift rates and locality pay. It doesn’t include overtime pay, bonuses, military pay, cash awards, holiday or travel pay, or cost-of-living adjustments (COLAs). The amount of your basic pay is indicated on your Standard For 50 (SF50) and your Leave and Earnings Statement (LES).

For most federal government employees, the highest three years of basic pay are the last three years that they work. In this case, go back three years from the date of separation to determine the starting date for your high-3 salary calculation. If you have had breaks in service, the three years don’t have to be continuous — you can join two or more separate periods of service together.

For example, let’s say you plan to retire on April 1, 2021, and have worked for the federal government continuously since then. If the past three years were your highest earnings years of basic pay, the starting date for your high-3 salary calculation would be April 1, 2018. If your basic pay during these three years was $70,000, $75,000 and $80,000, then your high-3 salary would be $75,000.

Determining Your Pension and Disability Benefits

Once you’ve calculated your high-3 salary, you can determine the amount of your pension and disability benefits. The FERS pension calculation is as follows:

High-3 Salary x Years of Creditable Service x % Pension Multiplier = Annual FERS Pension

If you’re under age 62 on the date of separation or 62 years of age or over and have less than 20 years of federal service, your pension multiplier is 1%. Assuming a $75,000 high-3 salary, your annual FERS pension would be $14,250 with 19 years of service.

However, if you’re 62 years of age or over on the date of separation and have 20 or more years of federal service, your pension multiplier is 1.1%. Assuming a $75,000 high-3 salary, your annual FERS pension would be $16,500 with 20 years of service.

The pension multiplier is the same (1.1%) for the FERS disability calculation if you’re 62 years of age or over on the date of separation and have 20 or more years of federal service. But if you’re under 62 years of age when you begin receiving disability benefits, you will receive 60% of your high-3 average salary minus 100% of your Social Security benefit for any month when you’re entitled to receive Social Security benefits during the first 12 months. After this, you will

receive 40% of your high-3 average salary minus 60% of your Social Security benefit for any month when you’re entitled to receive Social Security benefits.

Once you turn 62, your benefit will be recomputed using an amount that essentially represents the benefit you would have received if you had continued working until the day before your 62nd birthday and then retired under FERS.

How to Increase Your Pension Benefits

The best way to increase your FERS pension benefit is to continue working past your earliest eligibility date for retirement if you’re able to do so. This will increase both your length of service and your high-3 salary.

Going back to our hypothetical example, let’s say this individual worked five years longer, giving him 25 years of eligible service. This also boosted his high-3 salary to $80,000, thus increasing his FERS annual pension benefit to $22,000.

Don’t miss this critical point: By working an extra five years, this individual increased his FERS annual pension benefit by $5,500. If he spends 20 years in retirement, this adds up to an additional $110,000 in pension payments.

Plan Carefully

Your decision about when to retire will have a lasting and long-term impact on your retirement finances. So give this careful thought and plan to spend time crunching some numbers before making a final decision. Book an introductory call or send us an email if you’d like to talk about your situation in more detail.


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San Diego Window Replacement Companies

Window Replacement

One of the greatest investments you can ever make for your home in San Diego is to completely replace your old, drafty windows and doors. With the suitable new doorways and windows, your home will certainly gain from improved energy efficiency and increased property value. And better still, gorgeous new sliding glass doors and window replacements can decorate and enhance your unique house design for a long time to come. Obviously, to get the perfect match, you’ll have to hire San Diego windows replacement specialists that are skilled in fitting all kinds of windows and doors. So how can you pick the right company?


– First, examine the quality of the job. A good company will flaunt its extensive range of imported and local windows, windows and dividers so it is easy to compare prices and quality. Furthermore, reputable window replacement San Diego firms have their own showrooms where you can view and measure each of their products and discuss the job . You can bring your own samples and have them quantified by a local San Diego technician. The most reliable companies have highly trained technicians who know how to correctly match each product.


– Next, examine the window replacement San Diego cost list. Compare the features and materials used for each item, in addition to the installation costs. Make sure the price list involves the setup fee, which is generally not included in the first quote. It is common for some companies to charge extra installation fees when labor is added to the bill. Look for a home window replacement price that does not include additional hidden charges.


– Assess the guarantee policy. Your San Diego window replacement window installers’ warranties will usually cover any defects in workmanship and materials used throughout the setup process. However, it is necessary to note that even the best warranty is no guarantee you won’t experience problems. It’s also important to be aware of what the window installers will do if there are defects or if the job isn’t done correctly.


– Always ask about renewal references. Good window replacement San Diego companies ought to be able to provide you with three renewal references. Ask about these testimonials from many different companies. When you contact the references, ask about the installation procedure, quality of workmanship, the durability of the windows and patio doors, and if they’d recommend the firm to your next installation. This gives you a good notion of the quality of the job the business provides.


– After you receive your three references, then take some opportunity to call each and every one. Only accept renewal estimates which include a private phone number, or even a site link which you can use to request a written quote. Ask for a renewal price that contains a guarantee on all of vinyl replacement windows installations, the substances used, the quantity of labor charged, and the period of the warranty. These are the only elements of a good vinyl window installation which should be included in a renewal cost.

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