Traits You See In Every Successful Entrepreneur

Starting your own business is hard work filled with long hours, personal sacrifice and a daily array of new problems and challenges. Anyone who tells you otherwise has probably never started one themselves. If you don’t have the drive to navigate these things, your business could implode faster than it began.

Understand, entrepreneurship is not for everyone. To determine if you have what it takes to make it, you need to be able to possess a number of quality traits. Leadership is at the top of that ladder. If you can’t lead, chances are you won’t be able to guide your company and its employees through growth and on to success.

If you seek a challenge filled with risk but also with financial potential, then you may be on your way to becoming a successful entrepreneur. Here are the most important traits I believe every entrepreneur should possess.

No one has ever gotten ahead by sitting back and waiting for opportunities to find them. Successful people go out and create success by working tirelessly to solve problems that get in their way.

Adapt to change
Entrepreneurs must be able to adapt to changing situations without unraveling. Also, they must be able to motivate their team by helping them reach new goals and opportunities. Often times, successful entrepreneurs are driven by a more complete vision than just the task at hand.

Ethics and integrity
It goes back to the old saying, “cheaters never win.” It’s important to maintain high standards of integrity because, if you don’t, nobody will want to do business with you, especially when you are working with clients or leading a team.

Be willing to fail, then move on
Starting a business is risky and doesn’t always work out. Successful entrepreneurs must be able to accept that things don’t always go according to plan. Do not be afraid to fail, put your idea out there and give it your best shot.

Serial innovators
The mind of an entrepreneur is always spinning with new ideas. There has to be a constant drive to develop new concepts and improve on existing ones. That’s where the term “serial entrepreneur” came from.

In almost every case, entrepreneurs never succeed on their own. You are only as good as the people who support you. Surround yourself with a network of knowledgeable people who are as passionate about your project as you are. It takes a network of contacts, partners and resources to thrive.

A Doctor’s Take On the Keto Diet

In the past three years, type 2 diabetes has grown 41% among young populations. While the disease is typically seen in those above the age of forty, more and more children are facing the consequences of obesity and poor nutrition. It’s a scary epidemic that demands a radical shift in the way we both advertise and consume food. Confronting the latter problem, a new diet has emerged that aims to control insulin levels, improve hormone levels, support fat loss, and encourage greater control over our own hunger signals. It is one of the oldest diets in terms of research, initially tested for epilepsy and gaining traction as a highly researched treatment for diabetes, insulin resistance, high blood pressure, cancer as well as autoimmune disorders such as multiple sclerosis and rheumatoid arthritis. The Ketogenic diet has become a popular lifestyle choice among health conscious and goal-oriented individuals. It consists of low-carb and high-fat foods that create a drastic shift in your metabolic state, leading to a condition known as Ketosis.

What Is Ketosis?

The process can get a bit complicated but put simply; Ketosis is a natural metabolic state. In this state, the body produces ketone bodies out of fat that are later used for energy. By limiting the body’s access to glucose, Ketosis allows you to be fueled by fat rather than carbs. For The Keto Doctor’, Dr. John Limansky MD, Keto is a sustainable tool to combat growing health epidemics and to relearn what it means to feed our bodies. The ketogenic diet has gained in popularity for the simple reason that it works.” He continues, “It is a pathway to eating real non-processed foods in the right ratio. This method will promote loss of fat not loss of weight, which can be water and muscle mass. There are no gimmicks with this way of eating, no fancy shakes nor crazy cleanses. It’s a way to optimize our cells by decreasing the constant influx of glucose and fructose found in many of the commonly eaten processed foods products.”

Adopting the Lifestyle

What separates Keto from the latest health craze on Instagram? Keto is a lifestyle focused on real whole foods. Unlike many fad diets out there, Keto does not set calorie restrictions. The options are endless and it will not leave you feeling lethargic, hungry (more like hangry), or restricted in the kinds of choices you have available.

Debunking the Myth

One of the greatest misconceptions about the keto diet is that it encourages people to eat copious amounts of butter, bacon, and fatty foods at every meal. How the heck can that be healthy, we ask ourselves. In reality, a ketogenic meal can be very similar to your favorite meals that you prepare regularly. In the initial phases of transitioning over, carbohydrates do need to be lowered to less than 25-gm per day. Although, the limit to carbohydrates will generally be liberalized as time goes on.

The following are some common staples in a ketogenic diet:

– Wild salmon

– Shrimp

– Oysters

– Lamb

– Grass fed beef

– Bacon

– Eggs

– Avocados

– Olive oil

– Butter

– Ghee

– Avocado oil

– Hard cheeses (parmesan, manchego, etc.)

– Broccoli

– Cauliflower

– Lettuce

– Cucumber

– Kale

– Squash

– Zucchini

-Bone broth

– Soups

Health Care Vs. ‘Sick Care’

As one of the foremost authorities on the Keto diet, Dr. John Limansky has set out to help individuals fulfill their greatest potential in optimal health. “My goal is to revolutionize health care by going back to the basic building blocks which constitute health,” he says. Viewing traditional medicine as ‘sick care’ he intends to practice proactive health care by helping people take simple yet crucial steps. His site, BiohackMD provides insight into the fundamentals of the body with informative videos, articles, and the latest research in health and nutrition. He and his team have also set out to boost human nutrition with the best in keto supplements. Working to augment the ketogenic diet, BiohackMD currently offers three natural keto products, Keto Matrix, Green Matrix, Whey Matrix, along with a Multi Collagen Matrix that is set to launch this coming March. Today, Dr. John Limansky supplements our knowledge and answers some of the most popular questions surrounding the diet.

What type of person is the “perfect” candidate for this diet and why?

There is no perfect candidate for this diet as it can apply to the majority of individuals. Whether their goals are weight loss, reversal of diabetes, improved muscle mass, reduction of seizure activity or improvement in depression, this diet can improve their symptoms. Some would say it is restrictive and may be difficult to follow for long periods of time. For those who are metabolically dysfunctional, such as those with diabetes or insulin resistance, a ketogenic diet can radically improve their metabolic function by reducing fasting glucose, fasting insulin and improving central visceral fat content (which is the most dangerous type of fat). In these individuals, it will be important to be more compliant with the diet and maintain a higher ratio of fat to protein to ensure they are in ketosis and suppressing insulin levels.

How long does the keto diet take for clients to begin seeing results? What results can be expected?

The transition to burning fat is around 2 weeks. During the initial period (1 month) most people will see an approximate 8-10 pound weight loss, mainly from water and glycogen stores being depleted. The ultimate goal of a ketogenic lifestyle is to lose fat, not necessarily weight, which can include muscle and water loss. If an individual is doing a water and electrolyte fast, they will lose around 1/2 pound of fat per day. So, that’s the reference point I like to use. As they continue with this type of eating, a couple key things happen. Fat loss occurs in a step like fashion, with weight loss then plateaus then more weight loss. Insulin is suppressed and glucose levels become normalized. Blood pressure tends to improve and many other symptoms also have been shown to improve, including headaches, joint pains, depression, anxiety and seizure activity. The ultimate goal of this lifestyle is a combination of weight loss but also improvement in metabolic function. Once the metabolism and hormone control is improved, weight loss occurs.


Why Replacement Windows & Doors Can Help You Reduce Building and Maintenance Cost

What Is The Cost Of Replacement Windows? There are so many good financial benefits to building your new home with replacement windows, and it’s hard to fit it all in one place. Below we have listed out the best financial reasons to build your home with replacement windows.

  • Reduced Energy Bills

Canadian Choice Windows & Doors, unfortunately for us that own or rent homes, we pay to heat and cool them. Equally unfortunate is the fact that exterior windows and doors are the weakest links of the building envelope in terms of allowing the transfer of heat and cold. Building your home with replacement windows can reduce your heating and cooling costs by over twenty-five percent. With rising energy prices, the dollar savings can be even more significant. Wouldn’t it be nice to have a few extra dollars a month to use elsewhere? Think!

  • Return on Investment

What is the return on my investment for building my new home with or upgrading my windows and doors? This is a question that is frequently asked by our clients. Several sources indicate that the return on investment can range from eighty percent to ninety percent and many reports show that window replacement ranks in the top five for the highest return on investment projects.

  • Tax Incentives and Rebates

The federal government is reinstating a tax credit in 2009 for building your new home with or upgrading your windows and doors by using replacement windows that save energy up to star levels. This tax credit is for up to $1500. In addition to the federal tax credit, individuals building a house have an opportunity to earn up to $500 cash back for opting for Canadian Choice Windows & Doors, just so long as the work is performed by licensed, bonded, and insured companies.

  • Low Maintenance

Because replacement windows and doors are designed with low-maintenance in mind, the quality keeps Prompting people to ask What Is The Cost Of Replacement Windows & Doors. For instance, vinyl frames will never have to be painted, and fiberglass frames are inherently stable, so their factory paint stays on for a lifetime.

Furthermore, many of the hardware systems for windows and doors are made of durable, die-cast zinc or stainless steel material that go through thousands upon thousands of cycle-tests to ensure they will hold up in your home. Most window and doors manufacturers today offer a full lifetime warranty to the original homeowner that covers both labor and materials. Wouldn’t you like that kind of peace-of-mind and low-maintenance from your windows and doors?

Your home is your castle. That’s why you should choose Canadian Choice Windows & Doors. It’s the place you go for comfort. The benefits of replacement windows are way higher than the cost. They improve your home’s overall environment with benefits like natural light, noise reduction, improved views, and custom style.

New windows can offer UV protection for walls, fabrics, flooring, and furniture, which lengthens the life and quality of your home’s interior. They also require very little maintenance, allowing you more time for activities you enjoy. Consider the benefits of new windows for your home and how they can improve your quality of life.



5 Tips That Help Will You Choose the Right Pair of Shoes

It’s time to replace some of the shoes in your closet. While it’s not possible to replace them all at one time, you can buy a pair now and another pair next month. The key is to know what to look for in those new shoes. While you already know to consider the style and the colour, remember to employ these five tips. Doing so will help you know if those wonderful shoes by Merrell are what you want or if you need to check out a different pair.

Don’t Let Anything (or Anyone) Rush You

Consumers often find themselves under pressure to make a purchase or else lose out on a great deal. That may be all right if you are buying canned vegetables at the supermarket, but it doesn’t work when you are purchasing footwear. Your goal is to find the right type of Rieker shoes for men and women and make a purchase that serves you well for a long time.

If you come across shoes that would work but don’t seem to be exactly what you had in mind, go ahead and pass them by. Take your time and find out more about what’s available. The next pair you come across might end up being exactly what you want.

Shopping Online Means Access to More Styles and Colours

There was a time when shopping online was mainly a convenience. Retailers didn’t place as much emphasis on providing competitive pricing or even offering the widest possible range of styles and colours. That’s not the case today.

Thanks to the growth of online shopping, you can find many more styles and colours for different types of footwear than in the past. Retailers know that if you don’t see what you want at their site, it’s easy enough to visit another dozen and see what they have to offer. The result is a number of retailers who carry inventories of shoes by Merrell as well as Rieker shoes for men and women that rivals anything you could find in a brick and mortar shopping outlet. Sit back and spend all the time you want checking out all those options.

You Might Come Across a Sale Too

Online retailers didn’t use to worry about sales that much. With little competition, they relied on the convenience of consumers shopping at home and being willing to pay a little extra. The increased competition paired with the popularity of online shopping has changed this too.

Today, there are sites that offer loyalty points on each purchase, Accumulate enough and you may enjoy a hefty discount on a pair of shoes. Others conduct flash sales that may only last for 24 hours. Assuming the site has the type of shoes by Merrell that you want, that sale may be perfect. You may even come across a close-out on certain styles and colours of Rieker shoes for men and women and end up paying less than half the typical price for something you like.

Find More Than One Pair You Like? Compare Them Side by Side

Since you need to purchase one pair of shoes at a time, it can be difficult if you come across two pair that you really want to buy now. Fortunately, online retailers provide a lot of detail about each pair of shoes they offer. You can literally pull up the details about each pair on a different tab in your browser. That makes it easy to compare those two excellent pairs of shoes by Merrell side by side and determine which one you will buy this month. Remember you can always book the shoes you want to get later and retrieve them when the time comes.

Focus on Quality and Less on Price

Everyone likes to save money, but never skimp on the price and settle for footwear that’s poorly made or uses only inferior materials. It’s true that not all inexpensive shoes are low in quality, but you can bet that low-quality shoes are more likely to be sold at a cheap price.

Remember that it isn’t thrifty to buy a pair of shoes that will need to be replaced next season, just because they cost less. You’re better off to spend a little more and buy quality shoes by Merrell that will hold up well for several seasons. When the goal is to get new shoes for the entire family, apply the same approach to sticking with quality brands like Rieker shoes for men and women. In the long run, you’ll actually save money.

Settle into a comfortable chair and start looking around for a pair of shoes that happen to be exactly what you need. Compare all the options for Rieker shoes for men and women and focus on the ones that will be ideal for the setting that you have in mind. Before you know it, those new shoes will be on the way and you can look forward to enjoying them for a long time.

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Building an Emergency Fund: How to Get Started

The hot water heater breaks, the roof is leaking and your car just broke down. Home emergencies can happen in the blink of an eye, and with all of life’s other problems, coming up with the money to take care of these repairs can be a challenge.

Having an emergency fund to fall back on can help ease the burden and reduce the stress of unexpected repairs.

What is a Home Repair Emergency Fund, and Why Do You Need One?

A home repair emergency fund is exactly what it sounds like – money set aside for emergency home repairs. The fund ensures that you have money on hand at a moment’s notice to take care of a broken water heater, plumbing issues or any other unexpected repair.

An emergency fund will prevent you from having to put the repair on a credit card or a high-interest loan.

How Much Should You Save?

How much money should you put into your home repair emergency fund? Experts recommend setting aside three to six months of living expenses. Aim to save 1%-3% of your home value.

The amount you save will depend on the home and your lifestyle. If your home is newly built, you may not need to tap into your emergency fund for quite some time, but if you have a fixer-upper, you will likely need to tap into your savings more quickly. In the latter case, you may need to save more aggressively.

Where Should You Put Your Emergency Fund?

Because an emergency fund needs to be accessible at a moment’s notice, it’s important to avoid putting the money in a long-term savings portfolio to avoid massive fees for taking out the money early.

Ideally, the money should be placed in a separate bank account. Putting the funds in a separate account will help you avoid temptation to tap into those reserves.

Consider a high-yielding savings account. These accounts are federally insured up to $250,000, and the money will earn interest. Funds can be withdrawn at any time through a funds transfer or withdrawal.

How to Start Building a Home Repair Emergency Fund

The prospect of building a home repair emergency fund can seem daunting. Here are some tips to get started:

Set a Goal for Monthly Savings

Set a monthly savings goal to get into the habit of saving. One way to reach your goal is to automatically transfer funds to your savings account from each paycheck.

Cut Expenses

If you have no money left at the end of the month, cut back on your expenses. Go over your expenses with a fine-tooth comb to find areas where you can cut back. Try cooking more meals at home, eliminating your daily takeout coffee or lowering/eliminating your cable bill.

Earn Side Income

If you’re determined and motivated, you can take on a second job or find a way to earn some additional income on the side.

Save Your Tax Refund

If you receive a tax refund each year, try saving it instead of spending it. Consider having your refund deposited into your emergency account.




The Growing Popularity of Trading

There’s no doubt that trading has become more popular over the past decade or more. For some investors, working from home, where ever home might be, and earning consistent profits through trading stocks, options, futures, or currencies, is both appealing and lucrative.

On top of that, markets are more accessible than ever, information is readily available and internet access has become widespread. Perhaps even more importantly, experts are willing to share their knowledge, so mentoring and coaching help are accessible.

However, no one is saying that trading to earn money is easy. You need market knowledge, a willingness to dig deep on technical patterns and an understanding that all trading requires some level of risk.

Successful trading also requires a specialized mindset, an idea explored in my 2014 co-authored book, The Winning Way.

3 Traits Every Trader Needs

In The Winning Way book, we look at three psychological mindsets that are necessary for a trader, regardless of experience, to be successful. Those mindsets are: one, accept market uncertainty; two, focus on the “now”; and three, think probability.

I thought it would be useful to outline these qualities in a little more detail here.

Accept Market Uncertainty

You have to believe that each trade is a random event and the outcome is out of your control and beyond any kind of analysis. Unless you know what each of the millions and millions of investors and other market participants are betting on each day, it’s impossible to predict what the markets will do.

I began making a trading profit when I started to believe in my own tools and systems for trading. I accepted that markets are uncertain and that leads to randomly distributed winners and losers, at least in the short term. However, in the long run, I trust that my edge gives me a higher probability of winning than losing.

Focus on Now

We’ve all been conditioned to learn from past experience. That works, mostly, since a change in behaviour usually leads to a different outcome. But in trading, it is detrimental to associate current trading decisions with past results. As every mutual fund prospectus tell us: Past results are not indicative of future performance. Professional traders understand that each trade is random, operating independently of previous trades.

Great traders focus only on opportunities that are happening right now.

Think Probability

The focus on uncertain markets can be difficult for some traders as they wonder how to achieve consistent and profitable results in such an environment. Although markets are uncertain in the short run, long-term predictable results are achievable. Your own trading strategies and systems give you an edge. You will have both winning and losing trades in the short run, and in the long run your edge will give you a higher probability of winning than losing. Being able to understand probability also helps you become a more disciplined trader. You will be able to trade with less emotion, allowing you to think more clearly and ultimately make better trading decisions.

My Story

I started trading in 2001. By 2003, my initial success had disappeared. I was spending thousands of dollars on complex trading systems that just didn’t work. In short, I was struggling to find a new path that would suit my goals.

At that time, I was fortunate enough to meet the late George Fontanills, one of most respected options traders in the world. I needed George to help me understand my trading personality and what type of trading would be most suitable for me. More importantly, I needed a mentor to send me on the path of developing a winning mindset.

George mentored me on trading strategies and techniques, but most importantly, he guided me to my own trading personality. He knew I wasn’t suited to day trading, because I hated the idea of staring at a screen all day. He also knew I didn’t have the patience for long-term trading. So he came up with the idea of short-term or swing trading.

Swing Trading

The timeframe of my trades is anywhere from a few days to a few months, depending on the stock and market volatility. And because swing patterns are highly repetitive and happen over and over again, stock movements can be predicted with a high degree of accuracy.

George was able to pinpoint my strengths and weaknesses as a trader. He taught me valuable risk management skills and how to protect my trading capital. He also taught me how to trade small but win big, and how to scale up. Under George, I learned to focus on mastering one or two markets before expanding into other areas of trading.

In conclusion, I believe that you must apply the three psychological mindsets mentioned above at all times to keep trading simple. If you can do all that, you will see a breakthrough in your trading, and very soon you will become a consistent and profitable trader well on your way to achieving success.

8 Mistakes Drivers Make When Shopping For Used Vehicles

Purchasing a used vehicle is a great way to buy a car at a reduced price, but buyer beware. Purchasing vehicles that are used mean that they may have problems that the dealership or the person you’re purchasing the car from may try to hide. Make sure that you do your homework and check out the entirety of the vehicle before purchasing. Avoid these 8 mistakes so that you purchase the best possible vehicle for your needs.


  1. Not being realistic about what you can afford

When you go to a dealership or have a meeting with a private seller, have a very clear price range. Most of the time, you’ll be able to negotiate with the dealership or private seller, but you’ll still want to have a clear picture of what you’d be willing to spend based on how the vehicle is in person, and don’t forget taxes!


  1. Not having a clear idea of what you want

Don’t go into a dealership without a clear idea of the kind of car that will fit your needs. It’s okay not to know exactly what make and model, but things like size, gas mileage, and price range should be something you decide on beforehand. Make sure that you take a look at the insurance rates so that you know how much your car insurance will cost you before you buy.


  1. Blindly trusting the dealer

Just because a vehicle looks good on the outside, doesn’t mean that it drives well or works the way the dealership advertised. Check the reputation of dealers in your area and choose one that has positive reviews.


  1. Buying without an inspection

If the dealership or private seller refuses to let you have the vehicle inspected, there’s probably something wrong with the car. Any reputable dealership will allow you to check the car from head to toe, and a private seller should be able to provide details on the vehicle and the most recent inspection.


  1. Not test driving the car

It’s easy to get excited about the prospect of a new car, and used car dealerships may not offer a test drive. Test drives are standard practice, so make sure to ask to take the vehicle for a drive before purchasing.


  1. Not asking for a vehicle report

Vehicle reports are an important part of the used car shopping process. They have valuable information such as whether or not it has been in major accidents, had flood damage, or carries a salvage title.


  1. Shopping at just one dealership

Shopping at multiple dealerships gives you a great frame of reference for the going price of a vehicle you’re looking to purchase, and it also gives you an idea of how much to negotiate when you’re ready to buy.


To save extra money when purchasing your used vehicle, check with your automobile insurance and find out which models will save you money on your premiums. If you’re not satisfied with your current policy, compare your policy with other insurance companies to ensure you receive the best rate possible.

10 DIY Fixes For Minor Automobile Repairs

When it comes to major repairs, you always want to go to a professional to make sure that repairs are done correctly. However, with more minor or superficial problems, you don’t necessarily have to go to an auto shop to get your vehicle fixed. You should only attempt to repair a vehicle yourself if you have some experience handling cars, and when in doubt, always seek out the opinion of a professional.


  1. Air Filter Replacement

When your air filters are clogged, it can affect the performance of your vehicle all around. Changing your filter is a simple and easy way to increase power and gas mileage. Air filter replacements are simple to DIY if you have some knowledge of your vehicle, and replacing them improperly will not cause irreparable damage.


  1. Oil Changes

Doing an oil change for most cars is fairly straightforward, as long as you don’t attempt to change the oil right after driving. Many automobile companies will throw this kind of thing in for free during routine maintenance, but if you want to do it yourself, you can find instructions in your vehicles manual.


  1. Headlight Bulbs

If you have a headlight that’s been burnt out, you can change it yourself as long as you don’t have sealed beam headlights. Check and make sure that you get the right bulb for your vehicle.


  1. Brake Pads

Brakes are obviously very important for the safety of your vehicle, so don’t attempt to DIY if you haven’t learned how to change brake pads first. Improperly installed brake pads could cause permanent damage to your vehicle and make it unsafe to drive, but if you know what you’re doing, they are fairly easy to replace.


  1. Paint Scratches

Filling in paint scratches is something you can DIY even if you have no experience repairing cars. Many hardware stores sell specific pens to cover up imperfections without having to get an entirely new paint job.


  1. Small Dents

If you have a minor cosmetic dent in your vehicle, you may be able to remove the damaged panel and bang it out from behind yourself with a hammer or other blunt device.


  1. Car Batteries

Cat batteries are one of the main things that make allow your vehicle to start and for powering auxiliary components. They are easy to locate and identify, and changing the battery is very simple. Make sure you check with your owners manual to make sure you’re purchasing the right battery for your vehicle and be sure to install the leads in the correct polarity! Black is usually negative, and Red is usually positive.


  1. Seat Belts and Buckles

A sticking or slow retracting seat belt can easily be fixed with silicone lubricant, but consult online forums for your car before applying this fix to restore old and worn out seat belts.


  1. Changing A Tire

Wheel replacement is a simple fix for your vehicle, and it should be something that every driver knows how to do, especially in the case of a flat tire on the road, but be sure to use a torque wrench to properly torque the bolts onto your car so you don’t risk losing a wheel while driving!


  1. Replace Your Windshield Wipers

Windshield wiper rubber can deteriorate over time, especially in the hot sun or during the freezing winter months. If your wipers are not cleaning effectively, easily replacing them so you can safely see out of your windshield in bad conditions.


When it comes to your vehicle, learning to DIY repairs could save you quite a bit year over year. However, your insurance policy may already cover regular maintenance, so check with your provider before attempting to do it yourself. If your policy doesn’t cover repairs, compare your current auto insurance policy to others on the market, you may find more complete coverage for your vehicle at a cheaper rate.

7 Things That Could Reduce Your Car Insurance Premium

Are you thinking about purchasing a new car or need a new insurance policy? When it comes to insurance, car insurance is the most expensive to purchase.  Luckily, there are lots of things you can do to reduce your premiums. Here are 10 ways to reduce your car insurance costs while still getting the coverage you need.


  1. Owning your car

When you lease a car, it’s likely that you’ll be paying a higher price for your car insurance. Remember, you don’t need to spend a lot of money purchasing a brand new car. Many used vehicles work just as well as new models, and may make owning a vehicle easier.


  1. Having a dashboard camera

Having a dashboard camera won’t reduce your car insurance specifically, but it will give you record of any collision that you get into, and that means that it will be easier to make a claim and will protect you from unfair premium increases.


  1. Paying as you drive

If you have a car but find that you don’t drive much, pay as you go insurance is a great option. According to The Toronto Star, “Pay as you go insurance uses a device plugged into a vehicle that connects to a mobile app or web portal used to track data on kilometres driven, time and distance of the trip.”


  1. Having winter tires

You can reduce your insurance premiums by installing winter tires on your car. Winter tires lower your risk of getting into an accident, and insurers reward that accordingly.


  1. Choose a low-risk model

All car models are not insured equally. Vehicles that have a higher propensity for reckless driving are much more expensive to insure. When purchasing your vehicle, check out typical insurance rates to make sure that the cost of driving makes sense for your budget.


  1. An anti-theft system

Installing an anti-theft mechanism in your car makes it less likely to get stolen, and therefore lowers your insurance premiums.


  1.  Hybrid vehicles

Not every insurance company gives you a discount for driving a hybrid vehicle, but some do. Compare insurance policies if your planning on purchasing a hybrid car, and find out which provider will give you a reduced rate.


  1. Low repair costs

Even if a vehicle is cheap to purchase, the parts for repairs may be extremely expensive. For example, purchasing a luxury vehicle used may cost you less than a brand new car that’s less expensive, but your car may still cost more to repair, and insurance companies factor this in to your premium.


  1. Paying per year instead of per month

Insurance companies love when you pay upfront, and they reward you for it. If it’s an option for you, pay upfront instead of per month to save on your premium.


  1. CAA membership

Check with your insurance provider if you’re eligible for a discount on your premium if you have a CAA membership.

You’re all set! All that’s left to do is pick the plan that’s right for you and hit the road

3 Tips for Giving The Perfect Wedding Gifts Without Breaking The Bank

Weddings in general are pretty expensive. Both for those getting married and those going to the wedding festivities, everyone’s going to be shelling out at least some money for the affair. But while the couple knows that they’ll be spending money on things like wedding rings and a reception, those attending the events often have a hard time knowing how much money they should be spending on each wedding they’re involved with. So to help with this dilemma, here are three tips for giving the perfect wedding gifts without breaking the bank.

Know How Much You Should Or Can Spend

Before you even begin thinking about the exact gifts you’re wanting to give, you should first determine how much money you can spend or how much money you feel obligated to spend. According to Jaimie Mackey, a contributor to, there are some guidelines that can help you determine what you might want to spend for a wedding. Some traditions say that you should give a gift equal to what the couple is spending per person for the event, while others that you should subtract what you’re spending to actually make it to the wedding. Naturally, you shouldn’t spend more than you can afford, and it’s a good rule of thumb to consider how well you know or how long you’ve known the couple to help determine the type or quality of gift you’d be comfortable giving.

Give Yourself Time

Once you’ve decided what type of gift you want to give to the couple, you might find that it’s more than you can afford right now. Luckily, Amy Beal, a contributor to Real Simple, reminds us that you technically have a year from the wedding date to give the couple their wedding gift. For those who need more time to scrape together the necessary funds, this gives you the perfect chance to create a budget and start saving. However, don’t give yourself too much freedom that you forget about their gift completely and end up spending that money on something else instead.

Follow the 20-20-60 Rule

Especially if you’re being invited to multiple parties as part of the wedding celebrations, you may not be sure about how to space out your gift giving. To help with this, Colleen Barrett, a contributor to, recommends that you follow the 20-20-60 rule. This rule means that you set a budget for gifts for the entire wedding and you spend 20 percent on the engagement gift, 20 percent on the bridal or grooms gift, and 60 percent on the wedding gift. This can help ensure you don’t go overboard with your spending at each event.

If you’re concerned about giving gifts for the upcoming weddings you’re invited to, consider using the tips mentioned above to help make this a little easier on your wallet.