All posts by R.C. Liley

I'm an ex-mutual fund accountant who left the cubicle world to be a stay-at-home dad to my beautiful little girl, Avery, who entered our life on 11/15/13 and handsome little boy, Wes, who joined our family on 11/19/17. Also happily married to my wife, Kelley, as of 8/17/07. Sorry ladies... :) Fitness and nutrition is of the utmost importance in our family and we strive to reflect this in our daily life. I always prepare our meals at home and only go out if it's a special occasion, and even then I tend to not get much. Food should be fun and a joy to eat, not something quickly consumed from a fast food chain or scarf down before the next meeting. I have come from strictly logging high miles to train for the next marathon to keeping exercise varied and focusing more on strength. I still enjoy going for a run when I can, but nothing crazy, and I prefer hill sprints while pushing my daughter, Avery in the stroller. She loves it and I get a great workout! I want to show the world how to appreciate their body and feed it real, wholesome food while moving more throughout the day. In doing so, everyone would be healthier, happier, and we'd all live in a better place as a result. I blog mainly about my life as a stay-at-home dad and frequently include reviews, participate in campaigns, and share my thoughts on fitness and nutrition. If you ever have any questions or thoughts to share, please reach out as I'm always open to listening or helping others however possible. That is, when I have free time since Avery is and my wife are the number one priorities!

Reasons To Start Using Health Supplements In Your Mid-20s

Times have changed, bringing about even more lifestyle changes. As the season transitions into the colder months, our bodies need some extra nourishment. However, this need for vitamins and minerals is not always fulfilled from natural food sources, leaving scope for people of various age groups to be under-nourished and vitamin deficient. To compensate for this change, healthcare practitioners have been urging people to take supplements to make up for what may be lacking. This article will explore the reasons to start using supplements from the mid-20s to enjoy a healthier life.

Your Physical Health Begins To Change

Once you turn 21, your developmental growth ceases and your body needs a different approach to diet and nutrition. You will notice that as you approach your mid to late 20s, the overall energy levels begin to drop. You may also notice a difference in your sleep quality and productivity. This is because of the new phase your body has stepped into that needs an additional NMN supplement that consists of nutrients like zinc, magnesium, and iron to stay well maintained.

Your Skin Needs Additional Nourishment

The smoothness, moisture, and oil levels of your skin can change due to a change in hormonal levels post your mid-20s. Especially true for women, your monthly cycles can play a big role in acne post-puberty. Many times, you may also notice an increase in the dryness of your scalp or a change in hair texture or hair fall. If your hair and skin quality have changed, try taking folic acid, collagen, or vitamin E to help with it.

Seasonal Changes Needs Immunity

During a pandemic, we all could use better immunity, which is why doctors have been recommending that we take vitamin C and zinc supplements to battle the chances of infections. Look for lypo spheric vitamin c as it is rapidly delivered to the cells and skips any issues with the gut and absorption. However, this needs to be an all-year practice post your mid-20s since our bodies are stressed and more prone to falling ill. If you travel a lot, you should be taking supplements to boost your immunity.

Lack of Natural Sunlight

Living for prolonged periods indoors can deprive us of much-needed sunlight. Especially now that the daylight savings have started, the days will get gloomier, affecting our moods. This is also because of a vitamin D deficiency. Using supplements for the same and others to help absorb vitamin D will keep your serotonin and energy levels up while chasing away winter blues.

Your Mental Health Needs Nourishment

Did you know that your mental health is closely tied to vitamin B12? Available in most meat sources, a deficiency in B12 can make you more susceptible to depression and anxiety, which is why it is so important to keep the levels in your body normal through supplements, especially if you’re vegetarian or vegan.

Wrapping Up:

With the pandemic still working its effect, people have been forced to work from home and stay indoors for long hours, creating an imbalance in the routine that made sure we got enough sun, fresh air, and exercise. We hope that you’ll start using beneficial health supplements to compensate for it after reading this blog. However, don’t forget to consult your doctor before taking any supplements.

Why Dream Home Renovations So Often Turn Into Nightmares

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Renovating your home should be something that adds to your quality of life. A brand new kitchen, bathroom or extension is designed to make your property infinitely more livable. 

However, dream home renovations don’t always turn out how you might expect. You have high hopes at the start but, due to one reason or another, something often winds up dashing them. 

Professional property flippers know this only too well. They will often purchase a house, believing that the renovations will only cost a few thousand, only to later discover that the final sum is going to be much more than they anticipated. 

But why is this the case? Well, it turns out that renovations aren’t as simple as they might sound. Putting in a new kitchen doesn’t sound like it should be a big deal but, in many cases, it is. 

The reason for this comes down to the bespoke nature of each renovation. Every house is different and every group of renovators is different, so the final result never quite matches up to expectations. Sometimes, you’re pleasantly surprised but other times, you’re bitterly disappointed. 

In this post, we’re going to take a look at some of the specific reasons why renovations so often turn into nightmares. The hope is that, by the end of the post, you should be in a much better position to prevent nightmare renovations from destroying your dreams. 

You Don’t Use The Right Contractor

When it comes to renovations, using the right contractor is everything. If you can find the correct person for the job, they will deliver a renovation project that will make you proud. 

Unfortunately, that’s easier said than done. If you’re not an expert in the industry, it can often be challenging to figure out who is a good bet, and who isn’t. 

You can’t always go on price, either. The amount builders charge tends to depend on how much they think you’re able to pay – and that varies considerably. 

The only real way to test a contractor’s quality is to ask for previous examples of their work and references. If the contractor is good, they should be able to provide you with a long list of happy customers, all of whom are willing to talk to you about the quality of the contractor. 

You Don’t Protect Your Site

For numerous reasons, building sites often attract criminal behavior. That’s one of the reasons why you so often see tall fences around commercial construction sites. Companies want to keep people out and prevent trespassing. 

How you protect your site, therefore, matters. But if you look at the average homeowner building site, they’re not doing a great deal to keep criminals out. 

If the project requires it, build a fence around any extension you build. If you hire a skip, learn more about how to protect it with tarpaulins to prevent dumping. Lastly, install temporary CCTV if you haven’t got it yet, and make sure that there is always someone you trust onsite. 

You’re Investing In The Wrong Property

People can sometimes get carried away with home renovations. They get so excited about the home itself that they forget about whether it is practical or not. 

Does it make sense to give a cheap property an expensive kitchen? Usually, it doesn’t. Yet people do it all the time because they aren’t thinking long-term. They buy the kitchen, spend years paying back the debt, and then move out anyway. What’s more, the new installation doesn’t add any real value to the property, meaning that it’s a loss you have to bear on your wealth. 

If you’re looking to buy a new property, ask yourself honestly whether you’re making a sensible decision. Expensive homes that require many renovations are not as attractive as cheaper homes requiring less work. In many cases, the renovations you plan on making might not be necessary, particularly if the vendor is charging too much money for the property. 

You Don’t Have Enough Money

Similarly, many people get carried away when carrying out renovations, believing that they have more money than they do. Then, when the money runs out, work stops, and they’re left with a half-finished home. 

Again, you don’t want to be among those people. Having a small budget is okay, so long as there is a good chance that it will be able to cover all your expenses. If it can’t, then you’re putting yourself at unnecessary risk. 

Whenever you plan a renovation, always add another 30 percent to the price to accommodate unforeseen costs. Things can and do go wrong. The architect’s design might be incorrect, or you might damage a window, or something could go wrong with the electrics. Whatever it is, it is likely to add to the cost and leave you poorer. Don’t let a renovation bankrupt you entirely. 

You’ve Run Out Of Materials

Running out of inputs is another factor that you need to consider. Sometimes, contractors underestimate how much stuff they will need for a renovation. They will then come back to you asking for more money to complete the job.

This process can sometimes create delays. Often, you can wait for weeks to get new flooring or cabinets that match the ones already installed. And that means that your home could remain a building site for much longer than you anticipate. 

Creatures Move In

During renovations, your home’s defenses are down. Not only is it generally easier to burgle from you, but animals can also set up residence in your property, causing havoc. 

Mice are the biggest issue. When people are going in and out of homes all day and doors are off their hinges, rodents find it very easy to get in and out, particularly at night. Homeowners have had renovations and then found giant colonies of mice scurrying around under the floorboards – sometimes fifty strong. The only option is to rip up the flooring and get the exterminators in, and then find a way to block the mice from getting back into the property a second time. 

3 Reasons Why You Need Workers Compensation Insurance Even if You Have Health Insurance

Employers cannot provide health insurance only to pay for work-related injuries. While health insurance can provide adequate coverage for medical requirements, it is not the best choice for a work-related accident. Worker’s compensation insurance provides maximum coverage for all medical requirements and offers monetary benefits for all workers who cannot return to work immediately.

1. It Is Required by Federal Law

Federal laws in the United States require all employers that hire more than one worker to perform job duties to purchase worker’s compensation insurance to cover their workers. It doesn’t matter if the employees are related to the business owner or not, the owner of the company must purchase and maintain the worker’s compensation insurance.

The laws introduce penalties for any companies that do not comply with these requirements. When the employer doesn’t purchase the worker’s compensation insurance, the business owner faces the full cost of worker-related injuries and medical expenses. If they cannot provide adequate funds to cover the expenses, the worker could file a lawsuit against their employer. To avoid these circumstances, the business owner can contact an insurance provider for workers comp insurance today.

2. The Insurance Covers Work-Related Accidents and Injuries

When the employer files a claim, the injured worker is sent to the emergency room for a medical assessment. The doctor records all the worker’s injuries and completes a medical report for the worker’s compensation insurance provider. The claims adjuster reviews the claim and investigates the accident and determines if the worker qualifies for coverage under the insurance policy.

If the worker qualifies for the insurance coverage, the insurer will send payments to the worker’s doctor to cover all medical expenses for the injured worker. The workers do not have to pay for any medical costs related to their work-related injuries. They can bring any additional invoices for their medical care to their employer, and some workers will need ongoing medical treatment depending on how they were injured.

3. The Coverage Offers Wage Replacement for Injured Workers

Injured workers cannot return to work immediately, and they will need time to recover from their injuries. The doctor who reviewed the worker’s injuries determines when the worker can return to work and how long it takes to recover. During their recovery, the injured worker could receive monetary benefits from worker’s compensation until they can return to work.

Not all workers will qualify for the wage replacement benefits, and the claims adjuster will provide details about when the monetary benefits start and end if the worker qualifies. The monetary benefits range between 80 and 90% of the worker’s normal wages. When calculating the monetary benefits, the insurer will get information about the worker’s wages from the employer.

While health insurance coverage could pay a portion of the medical expenses, it will not provide any monetary benefits for the workers. The employer could still face liabilities if they do not have worker’s compensation insurance, the company will have to pay monetary benefits out of pocket.

Employers are required by law to purchase and maintain worker’s compensation insurance. The laws require them to purchase the coverage if they hire more than one employer. The insurance is not the same as health insurance, and it covers specific injuries caused by performing work duties. By reviewing why employers need worker’s compensation insurance, many business owners avoid mistakes that could prove costly.