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We all know that exercise is important. But many people struggle to keep a routine going. Sports offer an excellent option for people who don't want to feel like exercise is a drag. Just how important are sports in contributing to a healthy lifestyle both in childhood and adulthood? Read on to find out why playing a sport throughout your life can be so beneficial.
The new year is thought of as a fresh start -- and if citizens of the world fail to take action to protect the planet, we might not have many fresh starts (or years ahead of us) left. That's why many homeowners are making a pledge to be more energy efficient and eco-friendly overall in 2020. But if you don't want to take on massive renovations or even sacrifice your relative comfort, can you still be sustainable?
The answer is a resounding "yes." By implementing some simple changes, you can make your home more environmentally sound, reduce your carbon footprint, and maybe even save some money in the coming year. Here are a few ways to go about it.
Add Some Green
If you want to go green, you might want to add green. That might mean spending some green up front, as well, but most people will tell you that it'll pay off in the end. Not only can landscaping add as much as 14% to your home's resale value, but it can potentially do wonders for your surrounding community. In fact, one tree can remove 26 pounds of carbon dioxide from the air each year, equalling 11,000 miles of car emissions! Although it may mean a bit more yard work for you to take care of, planting some trees can improve air quality. And if you're strategic about where you place your trees, you can provide some shade that will keep your home cooler and reduce how hard your HVAC system will need to work. Planting a vegetable garden can allow you to save money on groceries, as well, while focusing on native plants can support local wildlife (like our endangered and oh-so-important bees and other pollinators). Ultimately, a more self-sustaining life will translate to one with greater energy efficiency. This is also a great option for the almost 43 million renters in the United States who can't modify their homes to their liking.
Seal the Escape Routes
This section may sound extreme, but we're not talking about barring your windows and doors completely shut. Your home's doors and windows need to stay accessible to you, of course, but they need to keep air from being able to travel in and out. If there are gaps, you'll end up wasting energy. In fact, 30% of a home's heating energy is lost through its windows. That means you're paying extra for your HVAC system to work overtime. And since a good portion of your home is probably made up of windows, you'll have a bit of work to do to ensure your home stays comfortable and your bills stay low. Conduct an assessment of where your home seems drafty and seal or caulk any areas where air can escape. You may also want to call in a professional to take a look at your home's insulation, as air can easily escape through the attic, roof, or crawl spaces. These small adjustments can ensure the warm or cool air stays inside and the extreme weather stays out. Subsequently, you'll feel a lot better in your home and won't be stuck with unnecessary expenses each month. As a bonus, your heating and cooling system can work more efficiently and will likely last a lot longer.
Ponder Your Power and Appliances
Speaking of your heating and cooling system, it's time to consider your appliances -- and what's powering them. Although many American homes still rely on conventional utilities to supply electricity, solar panels are becoming more popular with each passing year. It's easy to see why, as cost reductions have made them far more accessible to the masses. If PV panels were installed on just 0.6% of the nation's total land area, these panels could supply enough energy to power the entire country. If you've been considering swapping out your utility company for solar panel installation, the new year might be a good time to finally take the plunge. Eventually, you'll be able to provide all the power you need and you'll end up saving money. This is essential given that 30% of Americans have bad credit. And because you'll probably be a bit more aware of the power you use, you'll likely end up being a bit more conservative with your usage.
Of course, if you're going to completely change your power supply, you might want to rethink your major appliances, too. Homes that are a bit older may come equipped with appliances, but these appliances may not meet current energy efficiency standards. This means you'll end up requiring (and wasting) more energy to use them. Some statistics show that a refrigerator that's a decade old can use twice the energy that a new model does! If you haven't yet switched to Energy Star models, there's no time like the present. You may even be able to take advantage of seasonal deals to save a bit of money -- though you'll end up lowering your energy bills as a result anyway.
Setting -- and keeping -- New Year's resolutions may not seem easy, but it's simpler than you think to make your home more energy efficient in 2020. By opting for eco-friendly practices, you can reduce your adverse impact on the world and reduce costs at the same time.
Unfortunately, most car owners will have to deal with some degree of damage to their car at some point in their life. The average number of car accidents in the U.S. every year is a whopping six million. When it does happen, it can be hard to know exactly what steps you should take. Should you go through your auto insurance? Should you try to fix the damage yourself? Here are a few tips you can use if you ever find yourself with damage to your car.
Can you believe it's already November?
It seems like just yesterday that we were celebrating Labor Day in the warmth of summer. Now, the true holiday season is upon us and countless gifts need to be bought before the wilds of winter lock us into our homes. Luckily, there's no better time than now to start building a holiday shopping list and the biggest shopping day of the year is right around the corner: Black Friday.
In fact, some Black Friday deals have already begun. Industry leaders including Amazon, Walmart, and Best Buy have rolled out their ads, offering a slew of Black Friday deals weeks before the biggest shopping day of the year. Even Target will offer a two-day presale to get patrons revved up for bigger sales to come, both online and in-store. Shipping trucks move over 70% of the nation's freight by weight but this number is only expected to increase when Black Friday hauls finally arrive. It's better to start your list sooner than later.
Are you looking forward to shopping this year? Check out the following deals to help inspire your inner holiday helper.
Most Americans tend to rely on personal vehicles, rather than public transportation, to get from point A to point B. With nearly 6 million cars sold each year in the United States, it's no surprise that the majority of teens will obtain their driver's licenses as soon as possible. More often than not, U.S. adults wouldn't even consider forgoing vehicle ownership.
So it can be particularly devastating when you head out to leave for work, school, or a social engagement and discover that your car isn't where you left it. It's not that you've forgotten where you parked, either. Unfortunately, your car's been stolen.
It might be your worst nightmare, particularly if you keep valuables or irreplaceable items in your car's interior. While up to 20% of all insurance claims are related to water damage of some kind, vehicle theft is sometimes a problem that cannot be fixed. Worse yet, a purloined vehicle might be more common than you think -- especially if you live in certain areas. Last year, there were an estimated 748,841 vehicle thefts throughout the United States.
The metro area with the most stolen vehicles in 2018 was Albuquerque, with a theft rate of 780.2 vehicles per 100,000 residents. Rounding out the top five cities with the highest vehicle rates were Anchorage, Alaska; Bakersfield, California; Pueblo, Colorado; and Modesto, California. By far, California had the greatest number of vehicle theft-ridden cities, with 15 metro areas within the top 40 list compiled by the National Insurance Crime Bureau. Nearly all of the metro areas listed are located in the southern or western portions of the United States -- and, not surprisingly, most areas listed also have higher rates of other property crimes.
Although the average vehicle will have three owners in its lifetime, most of us don't expect to give up ownership unwillingly. And while the Dodge Charger HEMI, Dodge Challenger SRT Hellcat, Infiniti Q50 and QX80, and GMC Sierra 1500 top the list of most frequently stolen vehicles in the nation, the reality is that any car can be taken without your consent or knowledge. Of course, parking in well-lit areas, installing alarm systems and vehicle tracking devices, and locking your steering wheel can keep your car from being stolen in the first place. But failing that, there are a few steps you should always take.
First, you'll want to call the police and file a report. You'll need this stolen vehicle report in order to file any kind of insurance claim. It's best to provide law enforcement with as much information as possible, including the car's make and model, year, color, VIN and license plate number, any identifying characteristics, and GPS information, if applicable. You'll then want to contact your car insurance company. If you have a comprehensive car insurance policy, you'll be covered -- but even if you don't, you'll still need to let your insurer know your vehicle was stolen. That way, you'll be protected if property is damaged or someone becomes injured after your car has been taken. Make sure that all details are consistent between this insurance claim and your police report, as your insurer will likely launch an investigation to make sure everything lines up before paying out for a stolen vehicle. And if your car is leased or you have some sort of financing set up, you'll also need to notify the company; in most cases, the insurer will pay the lender so that you won't still be responsible for making payments on your stolen vehicle.
If you have any valuables in your car, you might want to file separate claims for these items. The three most-valuable commodities shipped in the U.S. include machinery, electronics, and other vehicles. While you're probably not shipping warehouse materials, your laptop, GPS, and other electronic devices might be covered by insurance.
Although you have some control over where you park (and where you live), you may not always be able to stop vehicle theft despite your best efforts. To minimize loss, make it a habit to keep no valuable items in your car, purchase comprehensive car insurance, and invest in security features that could drive thieves away. And if your vehicle is stolen, make sure to follow the steps outlined above to make the process go as smoothly as possible. Although these events can feel violating, thinking ahead and being prepared can make them a bit less devastating.
You've been thinking about it for a while, and now you've decided to take the leap: you're buying a motorcycle. Chances are you're used to hearing all the statistics at this point about the dangers of motorcycles -- after all, it's true that they can be dangerous. However, motorcycle safety is actually on the rise in recent years, with the number of fatal motorcycle accidents in 2017 dropping 3% from the year before. If you're ready to buy a motorcycle, here are a few things you'll want to know as a beginner.
Do Your Homework
Before you even get to the shop, you'll want to do your homework on the different types of motorcycles available. There are a greater number of varieties, makes, and models than most people assume. Having a basic understanding of the types that are available will help you be prepared for when you start your shopping. Additionally, be sure to practice on multiple types of bikes. This will help you better learn the basics of riding a motorcycle as safely as possible.
Pick Out Your Preferences
Once you've tested out a few different styles of motorcycle, figure out what feels best for you and your personal preferences. Everyone has their own favorites when it comes to motorcycles, and you should look for bikes that compliment your riding preferences and personal style tastes. Check online reviews as well; you might uncover some issues or benefits with particular makes and models this way.
If you ride your motorcycle for work, you might also be able to get a tax break. Consider the area in which you live and whether or not this aspect of buying a motorcycle could benefit you. If you're self-employed, talking to a CPA can help you discover more options that can keep money in your wallet.
New vs. Used?
If you're looking to buy a motorcycle on a budget, buying used could be an appealing option. However, be careful if you're looking for a used bike instead of a new one -- used motorcycles, just like used cars, are more likely to have serious issues that make them less safe to ride. The safest possible option is to buy new, but not all budgets are suited to buying a brand new vehicle, so at least do your due diligence to make sure you're being as safe as possible. Certified pre-owned options are your second-best option if you're unable
Plenty of people ride motorcycles for both normal transportation and as part of a growing hobby. What kind of motorcycle are you looking to purchase, and what do you look for in a bike before you buy? Consider these safety options before you