5 Reasons Why You Should Buy Sterling Silver Jewelry

Silver is a coveted prize of pirates, kings, and treasure hunters throughout history. Even Paul Revere, a hero of the American Revolution, was a silversmith by trade. There is a reason this precious metal is held is such high regard. Sterling silver has a beauty and luster rarely matched in nature. 

You may have questions: Is sterling silver good? Isn’t all silver the same?

Read on to discover what sterling silver is and why to buy it.  

Is Sterling Silver Good?

Let us get to the bottom of this question before you go perusing a jewelry store.

Not all silver has the same level of purity. Silver labeled as sterling has a 92.5% purity. This is one of the highest possible grades of silver available. 

Sterling silver is a quality and pure metal.

It Comes in a Variety of Forms

It is okay if you do not have pierced ears. Because of its versatile properties, silver comes in countless configurations. 

Rings, necklaces, bracelets, and pendants all make magnificent sterling silver valuables. Check out https://www.dreamlandjewelry.com to see examples of pieces. 

It is Hypoallergenic

Jewelry can often cause the wearer to have an allergic reaction. Cheaper jewelry metals such as nickel and zinc will irritate some peoples skin.

Sterling silver has a chemical quality that does not cause allergies. This is among the reason it is such popular jewelry.

It Will Last Forever

Sterling silver is very durable. It does not scratch and ding as much as other metals. If you take care of it, your sterling silver will last forever. A silver polish will not only return that magnificent gleam, but also help protect it. 

A little bit of love and care will keep your silver looking like new. A well maintained piece of sterling silver jewelry will dazzle for generations.

It is Timeless 

It is fortunate that sterling silver is so long-lasting because it is also timeless. The art of crafting silver has been around for hundreds of years.

This metal is not a fad. Sterling silver has been a staple of jewelry boxes since its discovery. The simple, understated sheen of silver will always catch the eye.

No matter the shape or size of the jewelry, sterling silver acts a statement piece that complements its owner. 

Start Buying Silver

So, is sterling silver good? Absolutely. 

If you are trying to decide which metals to add to your jewelry box, look no further than sterling silver.

 

If you already have a silver ring, you have nine more fingers to outfit. If you don’t have any sterling silver yet, it is not too late. It is timeless after all.

So, whether you need a wedding gift, a retirement gift, or just want a gift for yourself, the smart buy is sterling silver jewelry.

Did you find this article useful? If so, hit the jump for more thrifty ideas.

 

 

Eye Care 101: How Often Should You Get an Eye Exam?

Did you know that needing glasses or contacts, but not having them, can lead to you having severe headaches on a regular basis? Because of this, we recommend that even someone who doesn’t currently wear glasses get routine eye exams to confirm their vision is still up to par.

But how often should you get an eye exam? And what about if you have vision issues that you know about? Do you need to get eye exams every year?

We’ve got the answers to those questions, plus more useful information, in this article below. Now then let’s get started!

When Was Your Last Eye Exam?

When you’re trying to decide if it’s time for an eye exam, or if you’re good for another year, you first need to figure out when your last eye exam was. If you just got your eyes examined last year, odds are you’re okay for the time being.

If you’ve never had an eye exam, and you’re struggling to see at night or read items that are up close, it’s probably time to make an appointment.

Do You Have Any Vision Problems?

Of course, if you have vision problems that you’re aware of, you’re going to need more frequent eye exams. That includes common vision problems, as well as any other eye diseases that could affect your health or vision.

Even if you don’t have any vision problems, setting up an eye exam just to confirm there are no issues is a good idea. This is especially true if it’s been a few years (or more) since you’ve had your eyes examined.

How Often Should You Get an Eye Exam?

So, with all of that out of the way, how often should you get an eye exam? Well, that depends on a variety of factors, most of which can be broken down with ease.

If you wear contacts or glasses, getting your eyes examined every two years is recommended. If you’re over the age of 60, you should bump that up to an eye exam every year, as your vision is changing at a more rapid pace at that age.

If you have no vision problems, an eye exam every 3 to 5 years is a good idea. Again, once you reach 60, we recommend that you get your eyes examined yearly to confirm no new issues have developed since your last exam.

Need to get your eyes examined? Contact the folks at Medical Arts Eye Clinic, they can set you up with an appointment today! 

Keep Your Vision Clear With These Eye Exam Tips

Well, there you have it! That is a breakdown of how often should you get an eye exam, as well as a few other useful tips and tricks to keep your vision clear.

Remember, routine eye exams, even if you have no current vision problems, are a good idea. That way you can catch any possible issues early on, and get the addresses, so you can keep living your life to the fullest.

Looking for more healthy lifestyle advice? Check out our blog!

Investing 101: 6 Crucial Tips for Where to Invest Money

The personal savings rate for Americans has taken a hit lately and hovers around 12%. What should you do with the money you’ve got left after paying your taxes and other bills?

Low interest rates are great when you’re buying a house, but they’re not so good for your savings account. There are better ways of making your money work for you. 

Are you wondering where to invest money so you’ll earn more? Don’t put your money under the mattress!

Read on for 6 crucial tips for where to invest your money. 

1. High-Yield Money-Market Account

A money-market account offers higher interest than a regular savings account, and it’s a safe investment. Money markets are FDIC-insured up to $250,000. If you’ve got a few thousand to invest and you want easy but infrequent access to the money, this is a good option. 

Interest on the cash in money markets is higher because you’ll only have the option of withdrawing a few times a month. 

2. Certificates of Deposit (CDs)

CDs are also low risk and have higher interest rates than regular savings accounts. CDs come with term lengths like six months or even five years. The longer the term, the higher the interest. 

The downside? There are early withdrawal penalties. Don’t lock your money away unless you know you won’t need it. 

3. Government Bonds

Government bonds are mutual funds sponsored by the U.S. government for paying off debt and funding projects. 

They’re great for low-risk investors and those with cash-flow needs. The bonds are government-backed and safe but inflation and fluctuating interest rates do affect them. 

4. Treasury Securities

Treasury securities are also U.S.-government backed and issued. They raise money for debts and government projects. You buy Treasury securities for a term of 20-30 years. 

You can hold them until they mature or sell them sooner. While you’re invested, you’ll receive payments from the interest. When they mature, you’ll collect the entire principle. 

5. Coins and Collectibles

This is a risky investment but one that a lot of people love. Collecting is best left to those who have a strong interest in what they’re collecting. 

You’ll need a lot of knowledge about whatever collectible you choose. Military challenge coins are a good example of investing in collectibles. Many of the coins are collector’s items in high demand. 

Other coins are solid gold, making them worth even more money. 

6. The Stock Market

The stock market can be risky but it’s a great place to earn a lot back on your money. Don’t invest in the stock market until you’ve done a lot of research. But don’t avoid investing in the stock market out of fear.

Putting your money in index funds and leaving it there for long periods of time is a good strategy due to compound interest. With some historical exceptions, the stock market is a good place to put your money to work. 

Where to Invest Money

Knowing where to invest money depends on many factors. Your budget, risk tolerance, and age all play into how and where you should invest. 

When you’re starting out, do lots of research and talk to a few investment professionals. Beware of investments that sound too good to be true because they usually are!

Was this helpful? Look for more on the blog!

5 Most Important Tips for Caring for Aging Parents

Whether your elders are living with you or not, caring for aging parents takes patience and understanding.

Elder care isn’t simple, but there are a few steps you can take to make the process easier and less emotionally taxing. Try these five tips for empathetic elder care that will help make your elders’ lives easier.

1. Keep Them Active

Keeping aging parents active is good for their physical and mental health. Mentally stimulative activities range from puzzles to insightful discussions. These activities encourage brain stimulation and will keep their mind sharp.

Daily physical activity is vital and prevents muscle deterioration and encourage overall health. Sticking to low impact exercise is safest. Long walks and light yoga are both excellent exercises for the elderly.

2. Make Their Home Accessible

An accessible home is essential for aging parents. By making their home more accessible, they’ll be less likely to encounter mobility issues or accidents.

Quick accessibility changes include widening doorways, bathtub modifications, and installing smart home features. 

If your aging parents are in a wheelchair, installing ramps and wheelchair-accessible zones will help them easily maneuver around their home.

3. Meal Prep

The elderly often have a tough time creating nutritious meals, especially if their kitchen is not accessible. By preparing meals for your aging parents, they’re more likely to get the nutrients they need without any effort.

Meal prepping also reduces the stress on the elderly. By having a variety of meals instantly available to them, they’re less likely to skip meals.

4. Get Government Benefits

Signing up for vital government benefits might be confusing and arduous for the elderly. Signing your aging parents up for much-needed government benefits will ease financial pressure on you and your parents.

The government offers a variety of programs for the elderly, including such as medicare. Medicare ensures your aging parents obtain health insurance.

Other benefits include financial assistance, mortgage assistance, and cash benefits. The benefits the elderly have access to depending on their age, disability status, and financial security.

5. Get Some Help

There’s nothing wrong with asking for help, especially when it comes to aging parents. You have plenty of resources available to you that assist with elder care.

Depending on your budget, you can either enlist help from your own family, friends or service. Getting help from family and friends is a cost-effective way to get extra elder care assistance. 

If you can’t get help from people you know, you can hire an elder care service.

Elder care sitters provide you with trained workers who have experience with taking care of the elderly. This is especially helpful for aging parents with health issues. Care providers offer health services, bathing, and meal preparation.

Caring for Aging Parents the Right Way

Caring for aging parents doesn’t have to be a burden. With these tips and resources, you’re on your way towards better elderly care for your family and less stress on yourself.

If you enjoyed this post, check out the rest of our articles for helpful tips!

What Does a Real Estate Attorney Do Exactly?

If you’re in the process of buying, selling, or inheriting a house, you have probably been told to contact a real estate lawyer. However, you might be wondering, what does a real estate lawyer do?

After all, a real estate attorney in the US typically charges between $150 to $350 per hour, which is not a small amount by any standards. However, when you learn about everything that a real estate attorney actually does, you will quickly realize that they often represent good value for money.

Without a real estate attorney, any transactions involving property can become immensely complicated, not to mention fraught with legal dangers. With that in mind, here is everything you need to know about real estate attorneys and what they do. 

How a Real Estate Attorney Helps You Buy a House

First off, it is worth covering all of the ways that a qualified real estate lawyer will help you buy a house and protect your interests at the same time.

A real estate lawyer will conduct a thorough review of all documents relating to the house you want to buy, including any relevant zoning laws and the title to the house.

They will attend the closing of a sale when you hand over the money to the seller and the seller transfers the property to you.

They will arrange independent inspections of the house you wish to buy. All of this will keep you legally and financially protected throughout the homebuying process.

This way, you can ensure that, when searching “real estate lawyer near me” on Google, you are taking vital steps towards protecting your most important assets. 

How a Real Estate Attorney Helps You Sell a House

When selling a house, a real estate attorney also plays a crucial role. They will ensure that you receive your money for the sale of your house from the buyer.

They will, if necessary, conduct a legal audit of the buyer, especially if that buyer is a corporation or company.

They will, crucially, work to defend you if a dispute arises between you and the buyer.

They will pursue the buyer through proper legal channels if they do not keep to their side of the bargain or fail to meet any purchase agreements you might have come to.

They will draft up all the paperwork related to the sale of your home and keep your best interests at heart. 

How a Real Estate Attorney Helps You Inherit a House

Finally, it is worth covering how a real estate lawyer plays an important role in estate planning.

If you are in-line to inherit real estate, a lawyer will help you navigate the legal process of obtaining ownership of that property.

They will help you navigate the minefield of inheritance tax and also fight in your corner should you have any dispute about the inheritance.

Likewise, a real estate lawyer will also help if you wish to bequeath real estate to a loved one. They will help you draft up a binding inheritance agreement that fits your needs and desires. 

Learn More About Real Estate

Now that you know the importance of hiring a real estate attorney, it’s time to get clued up even more.

In our Real Estate section, you will find expert and local advice on every aspect of the current real estate market. 

How to Stretch Your Body Like a Physical Therapist

Is your body in need of a good stretch?

Stretching has actually been shown to have a wide range of benefits, including improving flexibility and strengthening your muscles to reduce joint pain. Who knew such an easy exercise would be so good for you?

But, of course, it only works if you know how to do it. There are certain stretches that are amazing for different parts of your body, and knowing which ones to do could help you relieve a lot of aches and pains. 

Find out more with our guide to different physical therapy stretches.

Knee to Chest

If you’re looking for a physical therapy low back stretch, the knee to chest is a great one. It’s simple to do and needs no equipment!

Simply lay on the floor, pointing your toes upwards towards the ceiling. Bend your right leg at the knee and bring it up towards your chest, lacing your fingers together at the knee and pulling your leg towards you. Hole the position for 15-20 seconds before letting go and moving back to the starting position. 

For best results, you should repeat this stretch three times, alternating legs as you do it. This is a brilliant exercise for stretching the gluteal and lower back muscles, and it’s great for improving flexibility. 

Child’s Pose

You might’ve heard of prayer stretch, which is the same as child’s pose. It’s actually frequently used in yoga, so if you enjoy yoga classes you might already know it! Child’s pose is another great stretch for your lower back muscles. 

To do it, place your hands and knees on the floor, aligning your hands with your shoulders and your knees with your hips. Move your hands out in front of you so that your arms are fully stretched out, keeping your palms on the floor. Gently move your hips back a little as you move your head and chest down to the floor. 

You should feel a stretch along your arms and back. Hold the position for up to 30 seconds before returning the start position. 

Calf Stretch With a Band

Tight calf muscles can lead to a whole host of other issues, including increasing the risk of tearing your Achilles tendon or spraining your ankle. Luckily, calf stretches can help.

This calf stretch uses physical therapy stretch bands, which a good physical therapist will provide for you. If you don’t have a physical therapist, you can also buy the bands online.

To do the stretch, sit on the floor and extend your legs straight in front of you with your feet relaxed. Wrap a band around one foot, placing it at the ball of your foot. Pull the band gently until almost all of your foot has moved up off the floor, leaving just the back of the ball of your foot still touching the ground. Hold it for 30 seconds before repeating on your other calf. 

Don’t stretch your calf too hard. Only pull on the band until you feel a gentle pulling sensation on your calf muscles. If it hurts, stop straight away and check that you’re doing the exercise correctly with a physical therapist. 

Hamstring Stretch

This hamstring stretch in physical therapy is very popular. It can help strengthen your knee and relieve tight muscles in your legs, providing a huge hit of relief. It’s so easy to do, too!

Start by sitting on the floor, putting your legs out straight in front of you with your toes pointing to the ceiling. Then, reach out your arms to your feet, bending at the waist and moving as far as possible. Hold the position for around 20 seconds before relaxing, and then repeat it five times. 

As physical therapy knee stretches go, this is very easy and one that you should get better over time. Don’t push yourself too hard on the first go, your flexibility will improve!

Lying Knee Twist

Here’s another one for your back! The lying knee twist is great for building up strength in your abdomen and the muscles along your spine. It also improves flexibility in your back, helping you move without pain. 

Lay down on your back on the floor, laying with your legs out straight and your arms at your sides. Then, bring your right knee up and place your foot on the floor. Slowly bend that knee over your body, lifting your foot off the floor so that just your toes remain on the ground. 

Your arms should remain at your sides during this stretch, but your other leg should rotate with you in the direction you’re going in. Your lower back will also lift off the floor as you twist to the side. Hold the position for around 20-30 seconds before relaxing, and repeat three times for each side.

Pendulum Swing Stretch

If you’re looking for shoulder physical therapy exercises, this is a great one to help improve motion and relieve pain. All you need is a flat surface to lean your other arm on and you’re good to go!

Start by relaxing your shoulders completely. Lean over slightly at the hip, moving your legs if needed to make the position more comfortable. Place one hand on a hard surface for balance, whilst the other arm hangs down loosely. 

Gently swing your arm in a circle, aiming for a diameter of about one foot. Swing in one direction for 10 circles, before switching to the opposite direction. It’s easy and effective!

Try Out Physical Therapy Stretches

If you’re having aches and pains in your body, whether it’s a throbbing ache in your lower back or stiffness in your knee, physical therapy stretches should help. However, the best way to treat the problem is by seeing a professional physical therapist. They can help identify the cause of the problem and treat it, letting you get back to your life. 

If you enjoyed this article, be sure to check out more on our website! We’ve got tons of blogs on everything from saving money to creating delicious homemade meals.  

 

How Do You Stop a Relapse?

Recovery from an addiction is a long and difficult path to follow. Addiction can be both baffling and cunning. It takes more than just willpower alone to beat it. 

According to data from the National Institute on Drug Abuse, between 40%-60% of addicts will relapse during their recovery. But what is a relapse, and how do you stop one from happening to you? 

In this article, we’ll discuss the answers to the question, ‘how do you stop a relapse?’ 

What Is a Relapse? 

A relapse is when you return to your addiction while you’re in recovery for it. Very often, a relapse is a natural part of recovery. 

After relapsing, an addict can feel shame and even regret. These difficult negative emotions can cause them to relapse again. Feelings of shame are normal after a relapse, and many addicts pass through a cycle of shame during their recovery from addiction. 

What Causes a Relapse?

There are lots of different reasons that someone may relapse after they have been sober for a while. This may include: 

  • Not being prepared for life after rehab
  • Quitting for the wrong reason
  • Not having a support system
  • Not prioritizing their recovery 

Spotting the signs can stop you from relapsing before it happens. 

What Can You Do to Prevent a Relapse?

You need to have the right support in place. Join a 12-step program of recovery such as Alcoholics Anonymous. By joining a group, you’ll be able to connect with a sponsor and fellows who are also doing the program. Often, this support can be invaluable. 

Sign up for inpatient rehab and work on your addiction with the support of professional therapists and support staff. 

Avoid spending time with people who are active in their addiction and surround yourself with supportive friends and family. 

Find activities that take your mind away from acting out and your addiction in general. Exercise can be very helpful in fighting addiction. 

Learn to identify your triggers. Then, work on managing the areas of your life that cause you the greatest amount of stress in your life. 

Lastly, get the help and support of a professional therapist who has experience working with addicts. Together you can start identifying the cause of your addiction. This will help you to strengthen your recovery. 

Does Relapsing Mean You’ve Failed in Your Recovery?

No. Relapses are common in recovery. Addiction is powerful, and it takes a lot to break the cycle. 

Often, relapse is a step in your recovery from which you learn more about yourself and your addiction. It is possible to turn the negative into a positive learning experience.

How Do You Stop a Relapse?

So, how do you stop a relapse? You do it with the right support systems in place and by engaging in a program of recovery. 

Recovery takes hard work and perseverance, and there will be temptation along the way. 

For more helpful articles, please check out the rest of the site.