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How a Whirlpool Bath Can Provide You with Health Benefits

bb1Taking a long soak in a whirlpool bath is enjoyable, but are you aware of the health benefits that it provides to you? If you’ve made the investment in a whirlpool or you are considering changing out your old bath for a newer whirlpool model, you should be familiar with how you can use the whirlpool to improve your health and well-being. Knowing that you can bathe and receive a myriad of benefits for your health makes a whirlpool bath an option you shouldn’t overlook.

  • Stress can cause many different illnesses and zaps you of your strength each day. Soaking in your whirlpool bath can alleviate the strain of frustrations and concerns you experience. The sound of the jets massaging your body, the smell of the candles that you have lit near the bath, and the sounds of your favourite music can combine to make your whirlpool bath experience something that you look forward to each day.
  • Your sleep will be improved if you take a whirlpool bath just before bedtime. With the Carron Delta Whirlpool Bath collection, you can rest your head on the luxurious headrest, allow the jets to lower your body temperature with their pulsating rhythm, and begin to unwind for a good night’s sleep. Getting quality sleep can help you rejuvenate your body for the next day and will help you to heal if you’ve had an injury or illness that has decreased your energy levels.
  • Are your feet and legs always cold? Spending time in a whirlpool will improve your circulation and make you feel warmer and more comfortable. If you spend hours each day sitting at your desk, the whirlpool can help to make your legs and feet feel better and will reduce any swelling that has occurred during the day. Improved circulation also means that the vitamins and nutrients that you’ve taken in during the day will be delivered more efficiently to all systems in your body through your bloodstream.
  • If you have respiratory problems or are suffering from a cold, taking a whirlpool bath can alleviate your symptoms of bronchitis, congestion, and asthma. The warm water will open up your airways which helps you to breathe easier and cough less.
  • If you have pains from overworked muscles or joints, sitting in a warm whirlpool bath can make you feel a great deal better. Gently rub the sore areas so that you can take full advantage of the soothing warm water and the freedom of movement that you will get. If you suffer from arthritis, you’ll enjoy the relief that warm water brings to your joints. Move these joints gently and rub them with your hands to make them feel more comfortable and to recover some of the movement you seem to lose with arthritis.

With all of these health benefits and the relief that you can feel, investing in a whirlpool bath is an excellent gift that you can give yourself.

Image courtesy of Stuart Miles/FreeDigitalPhotos.net

How to Look for Money Warning Signs

Couple on vacation

Let’s face it, talking about money isn’t sexy.  Actually it can totally kill the mood.  Some may say that money stress can make or break a couple.  I say only if you let it.  Just like any sensitive subject in a relationship money issues can only come between you and your sweetheart if you allow them to be an issue.  So my advice as a 30-something who’s been with her boyfriend for over 10 years and as a Certified Financial Planner is to look out for the warning signs.

Spotting poor money habits early on in a relationship can be your lifeline when it comes to finding an everlasting love.  You don’t want to get too invested in a relationship then find out down the road your sweetheart has money troubles.  You want to know right from the get-go what you’re in for when it comes to your couple’s money, but some would say it’s rude to ask.

Recognizing poor money habits early can help your sweetheart change their ways and save your relationship.  So here’s what to be on the lookout for when it comes to love and money:

How is their mood on payday

Everyone likes to get paid, I personally have a little more pep in my step every second Thursday.  However if someone is extremely happy come payday it may mean they’re broke.  Living paycheck to paycheck isn’t fun; it’s stressful and if you have an emergency you may find yourself in debt.

If your spouse is living paycheck to paycheck look over their expenses (or ask them to) and make cuts.  If they set up automatic savings they will be forced to make some cuts because the money is transferred before they are able to spend.  That’s how I stopped living paycheck to paycheck and starting saving every month.

How they react when joint expenses come up

Is your spouse always ready to pay bills when they are due or is their response “I’ll pay you at the end of the month”?

If you mange the monthly household expenses keep your spouse in the loop as to when they are due and how much they cost.  This way they can plan for the expenses and be proactive in saving as oppose to always owing money.

What happens on your first vacation

If one of you has money and the other doesn’t it may be hard to plan couple’s activities such as vacations and weekend getaways.  Don’t pay for your spouse to enjoy life’s nicer things because it will set a precedent and they may always expect you to do so going forward.

Instead talk about your plans and set a realistic date so your spouse has time to plan and save.  An extra long weekend or a week relaxing on the beach can do wonders for a couple.

When money comes up, are they defensive

The worst thing you and your spouse can do with money is fight about it.  Talk about it and change habits to work through the issue.  Bringing up debt problems when your spouse is already stressing about payments and outstanding balances is the wrong time to have the talk.

Bring up the subject of money in a positive manner, such as “I really want to go on vacation with you or I would like to buy a house together in the next few years.”  Don’t yell, argue and fight about money troubles because it will most likely only make things worse.

What’s your best money advice for couple’s?

Photo from Pixabay

How to Start Investing in Your 30s

Calculate your net worth

If you’re in your 30s like I am, you may have spent your 20s paying off student loans, climbing the corporate ladder and learning how to budget like I did.  Now that I’ve figured all that out it’s time to start investing.

I paid off all my student loans, finally found my perfect job in the finance world and am living debt free.  Now that all those things are complete I can finally shift my money goals towards learning how to invest.

Actually that’s not true, I’m a Financial Planner and I do know how to invest, how the stock market works and the importance of investing over the long term, I just never had the money to do so.  But all that has changed in 2016.  For over 10 years I’ve given people advice on how to invest their money, I’m happy to say that as of today I can start to take my own advice.

If you’re in your 30s and starting to invest for the first time here are four tips to get you going:

Start off small

This is fair warning that the stock market and investing can be addictive.  I know firsthand both personally and professionally how people can always want to find the next big thing and buy it quick so they don’t lose out.  Buying low and selling high is how to make a profit when investing.

My advice is to start off small, don’t invest lump sums of money into something you don’t yet understand or even know you like – and stay away from foreign investments. Set up automatic transfers from your checking account to your investment accounts on a weekly, biweekly or monthly basis.  This way you’re buying into the market regularly at small intervals.

Don’t diversify too much

The first thing you usually hear about investing in your 30s – or at any age – is don’t put all your eggs into one basket.  This is true for large sums of money, it’s not really applicable when you’re investing gradually over time.

Once you have a nice sum of money you can talk to a professional and learn about your different investment options.  However when you’re starting out it’s a good idea to concentrate on one investment, learn about how the market affects your money and get familiar with your account statements.  From there you can move on to bigger and better things.

Keep investing over the long term

I think six to 12 months is a good time for rookies to get used to the investment lifestyle.  Trust me it is a lifestyle, once you get comfortable with investing and watch your money grow you will find yourself spending less and saving more so you can invest.

Don’t cash out your investments at the first sign of profit.  Just remember that you’re in it for the long term and how your money performs in the short term isn’t too relevant.

Talk to a professional

Before you decide to purchase any type of investment talk to a professional who can help you decide which type of account to open and which investments are good for beginners.

Just remember don’t jump into anything too fast, take your time to research your options and avoid throwing your life savings into the same investment.  Keep those tips in mind and you’ll be just fine.  Now start investing.

Photo from PIxabay

How to Let Others Pay for Your Savings – And Not Feel Guilty

Coins add up to savings.

There is so much emphasis on saving that I feel people don’t fully enjoy their money.  Do you ever feel like that?  Just think about your last pay check, how much went to savings and how much did you allow yourself to spend?

I hate feeling restricted, that’s why I’m only saving 6% of my after tax income and I think it’s just fine.   OK that’s not exactly true.  That’s the amount I’m saving out of my pocket, but overall at the end of each year I save 32% of my after tax income.

You see I think the key to saving is to let other people do it for you.  There’s no reason to take dollars and cents away from your spending and needs if you can just use money that you’re not expecting.  That’s something else I learned about money, don’t ever count on money that’s not in your pocket.

This is how I let others pay for my savings:

Take advantage of your employer retirement plan

My employer offers a retirement savings plan which I take advantage of every year.  I contribute 4% of my salary and they double it, that’s an additional 8% savings into my retirement account.  The way I see it I’m already making 200% return on my money and that doesn’t even include the profit on the investments, it’s a great plan.

Inquire about stock options with your company

The other 2% of my income is spent on a stock savings plan with my employer.  This money is saved outside my retirement account so I can access it any time.  I contribute 2% of my income and my employer matches it 1:1.

In total I am spending 6% of my income and investing 16%.  How fantastic is that?

Remember that most employer savings plans have specific withdrawal rules called a vesting period.  It usually requires employees to leave their money in the plan for a certain period of time (my employer is 2 years) before you can make a withdrawal.  Inquire about all plan conditions before you decide to invest.

Invest your annual bonus

I know that annual performance or sales bonuses are not always guaranteed so when they do come take full advantage of it.  The annual target bonus for my position is 10%.  If I took that annual lump sum in cash I would end up losing more than half in tax.

Last year for the first time in my life I transferred my annual bonus into my retirement account, increased my net worth and didn’t lose any money to the tax man.

Now my total savings are up to 26%.  See how quickly the savings can add up when you know where to look.

Save your tax refund

I feel about my tax refund the same way I feel about my annual bonus.  It’s not guaranteed, so enjoy it when it comes.  In recent years I have always used my tax refund for debt repayment, but this year that’s not necessary.  If you have the luxury to do so save your tax refund instead of spending it.

This how I saved 32% of my after tax income last year and I’m going to continue to do so since it seems to be a savings strategy that’s working.  Unexpected cash windfalls can help build up an emergency savings fund, help save for a vacation or boost your retirement account.

What’s your best piece of advice for people who want to start saving?

Photo from Pixabay