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Hallmark Movies & Mysteries Movie Premiere of “A Glenbrooke Christmas” on Saturday, December 12th at 10pm/9c! #MiraclesofChristmas

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  • Christmas this year will be embedded in the minds of the children who grew up in the COVID ERA probably like the Great Depression was. Well maybe not that bad, but it will for sure be a part of history told to their grandkids. Virtual Christmas, Santa in a mask, The reindeer all have curfew in some parts of the world. Family has never meant so much since we are all unable to travel freely and gather in groups more than 5. Good thing we have TV and internet!
  • There are 17 new original movies premiering throughout the #MiraclesOfChristmas Hallmark Movies & Mysteries event.

You can check out all 17 holiday movies all season long on Hallmark Movies & Mysteries Miracles of Christmas!

“Glenbrooke Christmas” is premiering on Saturday, December 12th at 10pm EST eaturing stars Autumn Reeser and Antonio Cupo.

Longing to be accepted for herself and not just her wealth, an heiress heads to the small town of Glenbrooke, where she discovers the joys of a simple Christmas, community, and maybe even love.

Make sure to visit https://www.hallmarkmoviesandmysteries.com/miracles-of-christmas where you can find more information about ALL Hallmark Movies & Mysteries #MiraclesOfChristmas original holiday movies.

Please join me on twitter to watch the movie with me and have a chance to win this prize package.

PRIZING: 

(1) “Holiday Celebrations” Package includes:

(1) Monopoly game: Hallmark Channel Holiday Edition

(1) The Republic of Tea Countdown to Christmas themed tea tin

(1) Hallmark Channel branded Ugly Christmas Sweater

(1) Hallmark Channel branded holiday mug

18 Fun Date Ideas You Can Try More than Once

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Are you running out of fun ways to spend time with your significant other? Don’t panic. We’ve come up with 18 new and fun date ideas that can put the spark back in your relationship.

  1. Take a Sex Workshop Together

If frolicking in the bedroom is not as exciting as it once was, it’s time to learn new tricks. A sex workshop is an excellent place to pick up some new tips. You and your date will probably spend the whole session giggling and blushing, but you are guaranteed to learn something useful.

If you are too shy to attend a sex workshop in-person, virtual options are available.

  1. Go-Karting

Has your partner insisted for years that they are the better driver? There’s nothing like a bit of go-karting to put them in their place. You can keep the activity as competitive as you want, but make sure to drive safely.

  1. Sky Diving or Bungee Jumping

Sky diving and bungee jumping are sure ways to get a rush for the adrenaline-junkies. Plus, it makes for some exciting aerial photographs and footage. Don’t force your partner into it if they are afraid, or it could ruin the rest of your outing.

  1. Camping

Spending time outdoors is a great way to disconnect from the world, leaving you and your lover with nothing to do but talk and cuddle. If you don’t like sleeping on the floor in a tent, try glamping with an RV instead.

  1. Take a Dance Lesson

Several options are available if you want to try something traditional, like a salsa or waltz class. Make things more interesting with a twerking or break-dancing class. Watching your significant other try to move his or her booty should be fun and unforgettable. After your dance class, hit up the clubs to try your new moves. 

  1. Try Zip Lining

If jumping off a plane or structure is too scary for you, zip lining is a more tame adrenaline pumper you can try. It is ideal for a quick fun outing, especially if you have other date plans lined up.

  1. Check Out the Local Festival or Fair

Local festivals are perfect for a fun outing on a budget. The bigger the festival, the better! For the most fun, participate in as many activities as possible. If your city has no upcoming festivals, check out what’s on the schedule in neighboring towns.

  1. Play a Game 

You could watch a baseball or basketball game together, but it’s more fun if you both play. Many fun games for couples are available, including bowling, mini-golf, paintball, pool, and more. If one of you isn’t familiar with the game, teaching each other can be a fun bonding experience.

  1. Visit a Strip Club

Here’s a wild one that every couple should try at least once. Visit a classy strip joint in your area for drinks and a show. Go the extra mile by not only watching the dancers but also testing your skills on the pole. Who knows? One of you might enjoy it enough to apply for an exotic dancing job.

  1. Explore the Wild

Aside from camping, other ways to bond with nature as a couple include hiking through a national or state park. It is good exercise, gives you a chance to talk, and provides a lovely photo op. Regardless of where you live, at least one park in your area should be worth exploring.

  1. Horseback Riding

Horseback riding is a win-win date for almost any couple. If both of you have never ridden a horse, we promise this is one date neither of you will ever forget.

  1. Go Sailing

Sailing into the middle of a sea or lake is perfect for some private and romantic time. Both of you can have as much crazy fun as you want with no worries about Peeping Toms. It also offers an opportunity to sunbathe, snorkel, and fish.

  1. VR Café 

Enjoy a wild and dangerous adventure safely through virtual reality. At some point, one of you will forget it is not real and scream at invisible enemies.

  1. Test Your Accuracy

Guns are scary, but they are less intimidating when you have a professional guiding you. Visit a shooting range to learn about firearms and practice your marksmanship. The smell of gunpowder can be surprisingly exhilarating. 

If guns are too loud, archery and ax-throwing ranges are perfect alternatives. 

  1. Visit an Escape Room

Escape rooms are currently one of the most popular fun date ideas. The game might seem simple, but difficulty levels vary from place to place. It involves entering a room where you have to find clues and solve puzzles to find a way out. Depending on the escape room, a minimum of two people can play. If you want to bring friends, some escape rooms allow up to 12 participants.

  1. Drive a Fancy Car

Have you always wanted to drive a Ferrari or Lamborghini? If so, rent a supercar and take a scenic drive with your partner. It is a lovely way to spend the afternoon, especially with the top down. 

  1. Start a Business

While this is serious, it can be fun as well. You and your partner think up an exciting product and a business plan to market it. What started as a fun date idea could end up growing into a million-dollar company!

  1. Make a New Recipe

Why go out to eat when you can try something new at home? Attempt an unlikely twist on your favorite foods and try to bring them to life with your partner. The result could end up disastrous or something extraordinary. Either way, you and your lover will enjoy the time spent together.

Conclusion

These are just a few of the fun date ideas you can try to spice up your relationship. Remember that your outing should be fun for you and your partner. If you have any other awesome ideas you think other couples should try, please share in the comments. 

5 Places to Add to Your Bucket List

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In the midst of 2020, most people are trying to limit their travel, opting to stay home and out of Covid-19’s reach. However, this doesn’t mean you have to stop planning for future trips. If you love to travel, now is the perfect time to start narrowing down your bucket list. Figuring out the best places in the world to travel to can be difficult, especially if you are not a seasoned traveller. Here are a few amazing destinations that offer fantastic, once in a lifetime opportunities.

Hawaii

Probably the first choice on most people’s bucket lists, Hawaii is a beautiful travel destination. You can easily fly to Hawaii and enjoy the sights, cuisine, and culture on your own, but if you want to begin your Hawaiian vacation even sooner, you may consider a Hawaii cruise. An Hawaiian cruise will immediately get you relaxing and into the Hawaiian spirit before you’ve even left the dock. Once in Hawaii, make sure you check out the beaches, surfing, and the wildlife. On several of the other islands, there are endangered species of birds and animals that only live on that island. If you have the opportunity, go learn about and see these species in person before they go extinct.

Rwanda

If you are feeling more adventurous, you should check out Rwanda. Located in central Africa, Rwanda is home to beautiful landscapes and animals. Housing several national parks, you can go from savannah, to jungle, to volcano in a day. However, you will want to spend more time in each place to enjoy the views and explore all the animals. Each region houses unique animals and sites. In the savannahs, you can see elephants, lions, giraffes, zebras, crocodiles, and countless birds native only to Africa. You can also take a boat ride out to see hippos up close. From there, you can go to the jungles and have a guide take you to see wild chimpanzees. Finally, the most unique part of Rwanda is the mountain gorillas. Only found in the northwestern corner of Rwanda and the countries in that area, mountain gorillas are unique and beautiful. You may even get a chance to see a group up close if you can afford a tourist trek into the volcanic forests. Rwanda is filled with once in a lifetime experiences and is truly an amazing destination.

Japan

Known for its tradition, beauty, and serenity, Japan is also a country you can’t miss. Filled with amazing architecture and mountains, you can easily take stunning pictures even as an amateur photographer. Japan is so diverse, you can also choose if you prefer the hustle and bustle of city life or the more tranquil peace found in the surrounding areas. Japan is rich in culture and cuisine, and it is hard to explore and appreciate the whole country in one trip, but that doesn’t mean you shouldn’t try.

St. Bart’s

If you are looking for a remote, relaxing island getaway, St. Bart’s may be your perfect vacation. Due to recent hurricanes, St. Bart’s has had to make massive renovations. Many of these new hotels and entertainment venues have recently opened or are opening in 2020. That makes now a perfect time to begin making arrangements for your next trip. With pristine beaches and beachfront shops and restaurants, you never have to leave the ocean if you don’t want to.

New Zealand

Another island getaway is New Zealand. This island literally has something for everyone. If you love nature, there are beautiful hills and ocean views all over the country. If you love learning about local culture and history, New Zealanders have a lot of it and you can find museums and historic sites throughout the country. New Zealand also is where Lord of the Rings was filmed, so if you have a nerdy side, there’s even something for you.

Although the world may seem closed for now, it will open up soon. Today might be the perfect time for you to start planning and saving up for your next trip around the world.

5 Ways To Deal With Rudeness At Workplace

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Workplace misconduct can occur in different forms. But rudeness is the most common. Dealing with this involves a clear process from reporting employee misconduct to taking actions that effectively remove the error and establish firm control over the situation. Here are five possible ways to deal with rudeness from an employee:

Set up levels of dealing with it: 

Although rude people can target anyone, they usually hesitate when there is a clear chain of command present. This is not just the usual organizational tree, but a chain of people kept in place to specifically deal with any form of misconduct. The knowledge that repercussions will be swift and moral always discourages even the most troublesome employees. Setting up a chain of command also reduces the workload on the staff; issues can be dealt with quickly at lower levels.

Set up channels for reporting employee misconduct: 

Similar to the above step, this one requires that you provide anonymous channels through which employees can report misconduct among themselves. This is tricky; you do not want to make a corporate snitch out of them but it is also important to have a thumb on what goes on behind your back, not just for the growth of the business but also to protect the interests of everyone. A well-organized reaction box or an online report sheet would do. These days, there are software technologies that offer employees complete anonymity when they report issues.

Listen, be fair and firm: 

Always remember that there is a risk of you making a mistake while dealing with an employee. For example, an unsatisfied, victimized, or frustrated employee might come off as rude simply because they cannot express themselves better. It would then be unfair if you punish such an employee without addressing the root of the problem. So, take the time to thoroughly investigate any event. Question the employee(s) involved, make them feel comfortable to talk. If you need to wield the whip, let them know that the punishment is meant to correct and not from a place of hatred.

Create a comfortable environment: 

Most forms of misconduct die naturally in a comfortable environment. When your staff can air their opinions without fear, communicate clearly, and thrive within your organization, there will be little room for such things as rudeness to fester.

Set clear examples: 

You, the owner, as well as every senior staff and the management, are the first examples that other employees will emulate. It is necessary to have the personal qualities of self-control, calmness, and politeness while dealing with your staff. From you, others will learn to be polite and practice effective communication skills.

Creating a platform for reporting employee misconduct, of any sort, is important as it gives the necessary means to deal with it squarely. You should always be aware that allowing misconduct to grow in your employees is potentially damaging and can cost a lot in terms of human resources to fix.

4 Natural Remedies To Treat Dogs with Cushing’s Disease

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If you are a dog parent, you may not speak your dog’s language, but you certainly understand what they are saying. The bond you share is so strong that even when your pet isn’t feeling well you know that something is wrong. 

Just like humans, dogs are susceptible to many diseases. One such that can occur in dogs is Cushing’s disease. According to statistics, about 100,000 dogs are diagnosed with this illness in the United States every year. Dogs are most likely to get it when they are six years of age or older, but it could also occur when they are very young. 

Luckily, there are many remedies that you can use to manage this disease and some of them are actually regarded as natural cures. So, in order to better understand what this disease entails and how it can be treated, we are going to talk about the most important information you need to know, as well as the available dog Cushings disease natural treatment therapies.

Photo by Markus Winkler from Unsplash

What is Cushing’s disease and what causes it?

Cushing’s disease which was previously known as hyperadrenocorticism is an endocrine condition. This disease generally occurs from a benign tumor on the pituitary gland. The gland plays an important part in the endocrine system which produces various hormones such as the adrenocorticotropic hormone (ACTH). This hormone further stimulates the overproduction of cortisol which weakens the immune system leaving the body vulnerable to Cushing’s disease. In fact, there are two types of this disease where about 80-85% of the disease is pituitary-dependent, while the other 15-20% is a tumor on one or both adrenal glands.

Symptoms of Cushing’s disease

Even though it basically occurs inside the body of the dog, there are signs that you should watch out for to see if your dog has this disease. Some common symptoms include increased thirst, urination and appetite, lack of energy, pot-bellied appearance, hair loss and bruises. If you notice any of these symptoms, you should immediately go to the vet. However, diagnosing your dog with Cushing’s disease is quite difficult because you may have to do several tests just to be sure. A regular blood test will show any additional signs of this disease. For example, high cholesterol, high blood glucose or proteins in urine are some of the signs that point to Cushing’s disease. If your dog has some suspicious lab results, then it is recommended that it does further examinations.

Photo by Ryan Walton from Unsplash

Treating Cushing’s disease

In general, the treatment depends on the cause of the disease especially if it is due to a tumor. In that case, the location of the tumor will define the treatment that the vet will suggest. There are several ways of treating Cushing’s disease and these include the traditional approach as well as the natural remedies. Since going for the traditional approaches of surgery or radiation may bring some complications and risks, opting for natural remedies is a better option. So, here is a list of a few things you can do to help treat your dog.   

1.    Eating right

Food is always the best medicine as it will have a great influence on your dog’s overall health. Feeding it a raw diet or home-cooked meals is always a better option than relying on other traditional medications. For example, you can give your dog food which includes high, digestible protein to prevent muscle wasting, fresh vegetables and fruits, low-fat foods to avoid high cholesterol and maintain low calcium consumption to avoid bladder stones. Feeding your dog this way may certainly ease many of the Cushing’s symptoms. Just make sure you also avoid giving it processed food which includes the treats too.

Photo by Karsten Winegeart from Unsplash

2.    Homeopathy

Homeopathic ingredients, which are considered an alternative to Western medications, stimulate the body’s natural healing process and boost the immune system with the help of herbs, minerals and other natural substances. There are many homeopathic remedies which help in managing some symptoms such as pain relief and treating skin problems. Also, the Chinese have a special cure for this disease called Si Miao San. This helps reduce inflammation, improves digestion and reduces insulin. Some common herbs used for treating this disease are dandelion, ginkgo biloba and burdock. For example, dandelion helps restore normal functioning in the adrenal glands and the ginkgo biloba slows down the adrenal hormone release. Also, if your dog is thin and weak, there is a formula called Eight Treasures which treats blood deficiency and helps with digestion and absorption.

Photo Elijah Hiett from Unsplash

3. Supplements

Implementing supplements is another way of treating Cushing’s disease in dogs. For example, two common supplements that help reduce inflammation are fish oil and flaxseed oil. In addition, the combination of melatonin and lingnan has also been very beneficial for treating the disease. Melatonin helps regulate hormones and provides antioxidant benefits and lingnan regulates the production of estrogen from the adrenal gland, thus managing the disease. Lastly, there are many types of probiotics that help with the digestive system in dogs and balancing any bacteria in the gut.  

4.    Acupuncture

Acupuncture is a simple, but very effective method for treating Cushing’s disease. This remedy has proven helpful in improving dogs’ lives and normalizing the endocrine system. Applying gentle pressure to a certain acupressure point on your dog’s body enhances the ability to balance the endocrine system and to reduce inflammation. At the beginning of the diagnosis, your dog usually goes to acupuncture sessions every three to five days. Afterward, these sessions are done every two months as part of a maintenance program once your dog’s health has been stabilized.

Photo by Hamish Kale from Unsplash

Final thoughts

Even though this disease is something that must be managed for the rest of your dog’s life, there are many ways to treat it and make your dog’s life easier. Just remember that adding a few changes can go a long way to making your pet feel better. You can even try combining all these natural remedies together and you will be surprised to see that your dog will start feeling better in no time.

Car Insurance Checklist: Get the Right Policy

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If you drive a vehicle, you need to make sure you have appropriate insurance coverage. However, no two policies are identical. With more than 16,000 crashes occurring every day in the U.S., having the right insurance policy will ensure you can access the help you need if you’re involved in a collision.

Before buying your next car insurance policy, remember to make the following checks so you can get the most suitable cover for your needs:

1. Mileage Limitations

Many insurance companies include mileage limitation clauses in their policies, so be sure to check whether these will apply to you. If you plan on taking lots of long journeys throughout the year, you don’t want to find out that your insurance doesn’t cover your expected mileage. On the other hand, if you don’t use your car often, voluntarily reducing your mileage limit could bring down your premium cost. 

2. Number of Successful Pay-outs

If you need to file a claim on your car insurance, you don’t want to wait weeks or months for your request to be processed. Worse still, you don’t want to have to battle with your insurance company to prove that you’re covered. Before buying a policy, find out what percentage of claims the company pays out for and how long, on average, it takes for them to do so. Sometimes, convenience and peace of mind are worth much more than a perceived saving on a price that seems too good to be true. 

3. Customer Reviews

A great way to gauge whether an insurance company is reputable is to look at their customer reviews. If an insurer has plenty of satisfied customers, then it’s a good sign you can trust them with your insurance needs too. If you take a look at these Hartford insurance reviews, for example, you’ll see that customers are impressed by the outstanding service, fast pay-outs and support after an accident. These Hartford reviews give you an indication of the service you’ll receive, so it’s an effective way to find out whether a potential insurer is worth pursuing. 

4. Comprehensive vs. Liability Coverage

Liability coverage is compulsory in most states, but it typically only covers the costs associated with injuries caused to another person or damage to property if you’re responsible for an accident. However, with comprehensive car insurance, your vehicle can also be covered for incidents like vandalism, theft, and fire. Furthermore, comprehensive cover can also include your medical bills and vehicle repair costs. Sometimes, the cost between the two types of policies isn’t all that different, so it’s worth checking what level of cover you can obtain for a similar cost. 

Buying the Right Insurance Policy

Getting the right insurance will give you peace of mind. If you’re unsure what type of policy is best for you, talk to several insurers before making a decision. By taking your time and getting all the information you need, you can get the right cover level at the best price. 

From Insurance to Investment: What to Consider When Buying a New Car

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There are some major purchases you’ll make in life that are equal parts exhilarating and nerve-wracking. Buying your first home is one of these, and so is buying a new car. It’s a major expense, and can often mean taking out a personal loan to finance the purchase. As such, it is not something that you should blindly rush into. Whether you’re after a sports car or a family SUV, you need to take your time and consider your options.

In this article, we’ll explore what you should consider when shopping for a new car.

What’s Your Budget?

First thing’s first. You need to sit down and figure out exactly how much you can afford to spend, or what sort of loan repayments you can afford.

If you’re buying outright, you should already have a good idea of your overall budget, as you’ve got that money in the bank in your savings. Then it’s just a matter of picking a make and model that’s within your budget.

But if you’re financing your purchase, you need to figure out how much you can afford to borrow and repay. Some useful calculators are floating around the internet that should help you crunch the numbers. Remember that cars have more running costs than just finance repayments too – we’ll discuss these below.

Insurance – A Must Have

If you’re buying a new car,  you will need to purchase comprehensive motor insurance, which is a non-negotiable cost. As new cars are quite expensive, you will want to be extra sure that you will be covered in case your car is stolen or is in a major accident and becomes a write-off. A comprehensive policy will pay you either the market or agreed value of the car, so you can buy a new one almost immediately. A tip – agreed value might cost you more in premiums but it means you’ll get what you paid for if you write the car off, rather than the market value which will depreciate the value depending on how much mileage the car has. 

It is worth shopping around for insurance quotes. Some providers will offer discounts for signing up online, or if you combine a home and contents policy with your car insurance. They are competitive and want your business, so you can even ask them to beat another insurance provider on price to get the best deal for yourself. 

A Word on Warranties

When shopping for a new car, consider the manufacturer’s warranty offered with the purchase. Most carmakers now offer five, or even seven-year warranties. This means that if anything goes wrong with the engine or other mechanical components of the car, you are entitled to a free repair. Or you might even get a brand new replacement in the case of a significant defect. This gives you peace of mind on the road. 

It’s worth noting that some warranties don’t cover things like tyres, windshields and other parts of the car that can suffer damage, so be sure to read your terms and conditions carefully.

Safety Ratings

Finally, consider the safety rating of the cars that are on your shortlist. You’ll want something with a five-star rating, so you can rest assured that in the unlikely event of an accident, you’ll be safe and sound. The good news is that most new cars come with a high safety rating. 

A Car Buying Conclusion

When it comes to buying a new car, it is important to first determine your budget –  whether you’re buying outright or financing your purchase. Secondly, keep in mind that you must also purchase a comprehensive insurance policy. Finally, pick a brand that offers a decent warranty period, and pay attention to safety ratings. Happy shopping! 

How to find your furnished room in Brooklyn?

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If you have decided to move to Brooklyn, it is more than ideal to move into an already furnished room. But, how do you find the right one?
You must first figure out what is important to you the most. If it’s privacy, you should rent a room that has a single bed, private bathroom, and ideally, a dressing room. 

If you don’t care about privacy, you can rent a shared room which will be a little cheaper. If you have made a decision, it is then necessary to answer other questions, especially pertaining to room equipment. If you are moving, it is best to move into an already fully furnished room.
There are many ads on Coliving that will have you bring your own furniture. From our point of view and from the perspective of the simplicity of moving to Brooklyn, it is best not to pay attention to them. This is because there are many advertisements on the market, where you will find already fully furnished rooms with many advantages. In addition, the rooms are often furnished with high-quality furniture, sometimes even brand new.Why is a furnished room better?You don’t have to haul your own furniture, rent a big moving vehicle, and carry a lot of things with you. You don’t have to worry about whether something will be destroyed in the course of your moving, and you don’t have to visit a new room several times to see if your furniture will fit there at all. Also, a furnished room is clearly a better choice because it is furnished completely and specially planned so that the potential tenant is satisfied and has everything necessary in the room. >The fully furnished room should be clean and undamaged. When moving in, you should always obtain photo documentation of what the room looked like and what condition the furniture was in before you moved in. 

You should also have a list of what the room specifically contains. However, this is now common practice when signing a contract, but it would be a mistake on our part not to tell you. Imagine moving into a new room by bringing just one or two backpacks of your personal belongings, which you place and store as you need. Unpacking will take you an hour or two at most, and then you can hit the streets of Brooklyn, to work, school, etc. But here is another question.

How should the room be furnished?

In order to talk about a fully furnished room, we must explain the word “fully”. This means that you will have your own bed in the room (bed size depends on you and the size of your bank account), wardrobe or space for hanging clothes, your own safe (especially if you share a room with one or more persons), bedside table, internet connection, and complete bed linen. 
We are only talking about the basic furnished room that you share with other people. If you pay extra, in addition to a larger bed, you can have your own work desk, private bathroom with bath or shower, private toilet, private dressing room, air conditioning, faster internet, TV, etc.

How to find your furnished room?

The answer to the question of how to find the right room in Brooklyn is diverse. In this Internet age, it’s really easy and there are plenty of Coliving offers in Brooklyn. 
Now that you know how your room should be furnished, you just need to find the most suitable one for you. 

Of course, it depends on many factors. It mainly depends on where specifically, i.e. what part of Brooklyn do you want to move to? What kind of person are you? What is your nature? If you don’t mind the night bustle, or you are rather looking for peace, and so on. If you have also chosen the part of Brooklyn where you want to live, then just use one of the many available coliving options to find the right room.

Friends

Friends are one of the best resources a person has. So try to ask them if they know someone looking for a roommate in that part of New York, or if they themselves need someone to share rent with. But if you had such friends, you probably wouldn’t be reading this article, would you?

Social Networks

Social networks are a bit like friends. In any case, you can join groups that are specifically dedicated to Coliving, and where specific people advertise that they are looking for a roommate. You can even join groups that deal with Brooklyn in general or a specific part of Brooklyn, and you can inquire directly in these groups. Who knows? Maybe you’ll get lucky. However, the best, fastest and most advantageous is another alternative.

Internet Coliving companies

Coliving companies are companies dedicated exclusively to Coliving, and renting their properties and rooms, which are already completely and elegantly furnished. They also have offers specifically for Brooklyn. 

Coliving companies offer quality rooms that are already fully furnished, and as well offer you a really wide range of rooms to choose from. In addition, they provide security and cleaning, and you will also know in advance who already lives in the apartment. 
These types of companies are the best platform for finding an already furnished apartment in Brooklyn. 

Through the various Coliving websites, you can choose from different parts of Brooklyn, from different rooms that will be furnished according to your ideas and your financial capabilities. 

These companies are definitely one of the best ways to find an already fully furnished room in Brooklyn.

If we search, we might find other ways to get a suitable furnished room for you. 
However, we do not have to look any further, because the above options are the best and most reliable. 

If there’s one thing you don’t have to worry about, it is that you won’t find the right room. You just have to spend a while searching, and who knows? It may only take you only half an hour and you’ll know where your new home will be.

Can You Get a Personal Loan with a Low Credit Score?

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Credit scores and reports can be confusing. Many people try to avoid thinking about them as much as possible. Unfortunately, you can end up struggling to get a loan if you don’t keep an eye on your credit.

You might even struggle to get a personal loan with a low credit score.

What Is Considered a Low or Bad Credit Score?

Credit scores are calculated on a scale that ranges from 300 to 850 — and the higher the better. When you have a high credit score, lenders will see you as likely to pay them back if they loan you money.

The opposite is true if you have a lower score.

There’s some nuance to how different lenders and credit reporting agencies view different aspects of your credit score and borrowing history. As a general rule, however, a score under 600  is typically considered low. When you fall into this range — no matter the reason — you’re going to have a tougher time opening lines of credit. 

Why is it important to have a strong credit score?

Your credit score doesn’t play a super critical role in most areas of your life. But it’s paramount in the financial realm. A lower credit score means you’re going to have to deal with less attractive loan terms when you borrow money. Lenders will only give you access to debt if you’re willing to pay more in interest, which in turn makes the loan more difficult to repay.

This is true for pretty much all types of loans. When you have a lower score, you’re going to get worse terms. In some cases, you might not be able to get a loan at all.

What to Do If You Need a Personal Loan with Bad Credit

Improving your credit score is a process. It can take years to restore your score if you have a bad one. But life doesn’t always wait. Sometimes you need money right now. If you’re in this situation, you might want to investigate online lenders. Credit unions are also sometimes more lenient than traditional financial institutions. Avoid credit card advances and payday loans unless you have absolutely no other option. These types of debt come with unattractive terms and can quickly spiral out of control —leaving you in a worse position.

People with several outstanding lines of credit can consider a debt consolidation loan for bad credit. Debt consolidation can be an effective approach for those struggling to restructure what they owe into a more reasonable package. You could also work with a reputable company such as Freedom Debt Relief, who could negotiate down debts directly with your creditors. This can be a great way for people with poor credit to get their lives back on track.

Improving Your Credit Score

As already mentioned, a debt consolidation loan is one way to improve your credit score over time. These are a few other ways to get your credit score in-line:

  • Pay bills in-full and on-time to the best of your ability
  • Reduce the amount of debt you carry. Your credit utilization (amount of debt you have versus how much you’re allotted) is a major factor in determining your credit score
  • Ensure there are no mistakes on your credit report, including cases of fraud

Seeking a personal loan can be tough when you have a low credit score. Fortunately, there are options out there for people, both for the near- and long-term.

Is It The Right Time To Sell Your Home?

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You have been thinking about selling your home for some time now. The thing is that you are not sure it is the right move. The world is going through a major health and financial crisis. It’s a seller’s market now in real estate. Buyers have no choice but to make concessions given the current situation. They are willing to be flexible when it comes down to their preferences. People who want to take out a mortgage cannot do so without first identifying a home to buy, so they are ready to accept a property that is less than ideal. If you have your mindset on selling your home, do not hold back on your plans. 

Your house is filled with cherished memories, but sentimentality is not a good reason to keep you on the spot. Don’t sit on the fence any longer

If you happen to notice any of the following signs, it is time to sell and move on. 

You have some equity in the home          

If you move, you can receive equity in the home from the sale proceeds. Any balance left over is what you receive from the sale. You can do whatever you want with the proceeds after the property sale. For instance, you can reinvest part of the money in an asset from the same class. If the home’s sale price is high enough to pay off the mortgage and the remaining commissions, you do not have to pay any money out of your pocket to close the deal. On the contrary, you can profit. 

You can determine the value of your ownership stake in the property by subtracting the amount you owe in all loans secured by your house from its appraised value. Depending on when you purchased the property, it might be worth more or less than you paid for it at first. Have a real estate agent provide you a fair market value for your home by analyzing sales data of properties similar to yours, within a certain distance. If you want to free up the equity in your home faster, find a cash buyer.  

You are feeling cramped 

As your family grows, the house will start to feel smaller and smaller. Living in a small space with children requires making lifestyle adjustments, such as spending more time outdoors each day, even during the cold months of the year. Possession must be kept to a minimum because there is not too much storage space. When the house is not able to accommodate your lifestyle anymore, it is a good idea to move. If you are looking for a speedy sale, sell your property at an online auction. Online auctions eliminate geographical barriers, so you can showcase your home to millions of people. Most importantly, they attract the most determined buyers. Who will not want to miss the opportunity to own your property? 

Nonetheless, if you do not like the thought of moving, build a home addition. Finish the attic or the basement and convert them into a living space. Rules and regulations vary from place to place, but using the attic or basement as an actual room is possible. If your property is not big enough or the municipality does not allow for any modifications, you have no choice but to move to a bigger home. This means moving away from the city center. To select the best course of action, check the local building laws, and get an estimate from a contractor. Adding another room may not necessarily increase the value of your home, but it will make it more comfortable. 

You are thinking about schools for your children 

The right school can make all the difference when it comes down to the academic success of your kids. It impacts development, friendships, and extracurricular activities. Do your research. No matter if you have your eyes set on a private or public school, consider moving closer. Distance is detrimental to your children’s social lives; more exactly, they are not able to get together with their friends. If they receive an invitation to a birthday party, they cannot go. In-person friendships cannot be replaced with online interaction. Plus, you will not want to make your kids travel long distances. 

It might be a good idea to postpone selling your home 

There is no reason to rush. Even if it is a good time to sell, do not put your house on the market just yet. It might be better to stay where you are, especially if you place a high value on family and social ties. The sense of belonging to the community can create value in your life and help you develop coping skills. What is more, your neighborhood is a good place to raise kids. Finding a daycare spot is not difficult and you can feed your kids healthy food. Moving can be tough for the children. You do not know what impact it can have on them. 

Generally speaking, moving is a positive experience for youngsters, as they can improve their life skills and experience a little bit of adventure. Sometimes, it can have negative implications for the children involved. They leave behind close friends and change schools, which does not give them a sense of security or stability. The decision to sell should not be based on market conditions alone. You need to think about the well-being of your family. Selling your home allows you to move on with your life, but maybe it is not such a good idea.  

At first glance, selling your house may sound like a brilliant idea. But is it worth the effort? That is for you to decide. Understand the pros and cons of relocating before taking any action. No matter what you decide to do, be sure it makes you and your loved ones happy. Think about it for a while and figure it out.