The Hidden Stresses Of A House Move

To say that moving day isn’t stressful would be a lie.

If you have ever been through the experience, then moving day stress will be something very familiar to you, we are sure. From trying to cram all of your belongings into boxes to dealing with the household clutter that has been left behind, your stress levels will be bubbling over.

Still, it is possible to make life easier for yourself. By asking people to help you pack, and by hiring the right removalist, many of your moving day worries can be alleviated. 

But then there are those hidden stresses that you might not be expecting. These are the stresses that can hinder and spoil your day. These are the stresses that we discuss below.

#1: Saying goodbye to your old home

We grow attached to our homes. From the rooms that our children have played in, to the areas of home that have marked special celebrations, to simply say goodbye to these things can be difficult. When moving day comes around, and you have finally shut the door for good, you might well start to grieve the house you are leaving behind and start to feel regretful and stressed as a result. Am I doing the right thing, you might ask yourself.

To overcome this stress, it is important to have a positive mindset. It’s easier said than done, we know, but if you can remember why you are moving, then you might be able to replace happier thoughts over sad ones. And besides, you will still be able to retain your happy memories of your old home, so even though a new chapter is about to begin, remember that you aren’t fully closing the door on your old life forever. 

#2: Your children

We mean this in two ways.

For one, your children might get underfoot when you’re trying to pack everything into your car or the removal van. They might unpack your boxes in the hunt for a toy or something to eat, and that will create more work for you. And your workload might also be increased if you then have to carry out extra cleanup work because of your kids. 

Secondly, your children’s emotions could be a source of stress. They might be overly-excited, and this could affect their behavior during the day. Or they could be going through the grieving process themselves, perhaps because they are saying goodbye to their friends as well as their old home. In this situation, they will be stressed, and you will be stressed out trying to manage their emotional needs.

A house move can be tough for all of you, but where your kids are concerned, you can make your life and their lives easier. 

On moving day itself, you might want to send them off to a childminder for a few hours, as this way, you won’t have to cope with overly-excitable or naughty behaviors that could make your life more difficult. 

And when it comes to your children feeling sad, you should engage with them before the move. Perhaps have a goodbye ceremony at home, where you can all come to terms with leaving. And perhaps have a party too, as your children will be able to say goodbye to their friends properly, and collect their contact details. With the emotional aspects of moving dealt with early, it might be that moving day itself is a little easier for both them and you. 

We hope you have a (mostly) stress-free moving day. 

Thanks for reading!

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5 Easy Ways To Protect Your Home and Car

Our belongings are precious to us. Whether you have a house, car, jewellery or sentimental things, each holds value to you in some way. However, how would you feel if you lost these items or someone else took them from you? It’s not something that we have to deal with on a day-to-day basis, but being prepared for anything will help make sure you everything is safe and secure should you run into problems. 

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Install double glazed windows 

If you have older windows, it could be time for an upgrade. Double or triple glazed windows are not only perfect for lowering your energy bills; they’re also more secure than standard windows. Windows are one of the most common places that opportunists look for when entering a building, and if you have damaged pains or no locks, it could be a prime spot they take advantage of. Upgraded windows can deter unwanted attention, and internal locks mean you can secure your home easily. 

Car alarms and trackers

Many modern vehicles have an alarm system in place. However, if your car was stolen or missing, there is still a significant chance it won’t be found quickly. Car alarms are ideal for creating immediate attention to unwanted opportunists. But if they manage to break in and getaway, a gps car tracker, can identify where it is to help recover it more quickly and hopefully apprehend the perpetrator. 

Using Wi-Fi cameras

CCTV and home cameras have come a long way in recent years. No longer do you need massive systems around your home, and footage is no longer a blurry image that you’ll hopefully be able to make out. Nowadays you can secure your home more effectively with Wi-Fi cameras. These are smaller decides that can be placed around your home and you can access them directly through your cell phone. Some cameras also have features that alert you to movement in your property if you are not there, and you can stream live footage and often talk through the device. 

Peephole camera

Similar to Wi-Fi cameras, this device is specifically designed to act as the peephole in your front door. This is particularly handy if you want to see who’s at the door even if you’re inside the house, and enables you to talk through it in case you don’t feel comfortable opening it. If you get a lot of packages, you can also see delivery attempts to ensure they don’t get taken back to the depot. 

Security lights 

Lights are another simple way to deter unwanted attention. They are also especially useful if you have dark areas around your home that have limited visibility. Installing a security light also makes you aware of any movement around your home or external buildings, even though it might just be the next-door neighbour’s cat! 

These are a few ways to protect your home and belongings, and just by making a few small changes, it’ll help give greater peace of mind, especially when you’re away from your property. 

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Three Step Remedy to Keep Your Spirits High During the Holidays

Originally posted by Silvernest Team on Nov 28, 2016

Three Step Remedy for the Holidays

The holiday season has arrived once again. While it can be a magical time with colorful lights, festive parties and gift exchange; it also can trigger feelings of grief, loneliness or generalized depression. This is not uncommon as baby boomers get older and become empty nesters, widowers or are long time single. This year, try our three-step remedy to explore your greatest talents and passions, and use them to create community and philanthropy as a great way to enliven the holidays.

Let’s get started!

A little self-exploration is a great way to gain powerful insights, and will naturally inspire you to engage and give. Begin by take an inventory of all the things you love to do. Take a moment to sit down at your table with a piece of paper, a pen and a cup of coffee or tea. Before you start – sit back, close your eyes and settle your mind.

Allow yourself to imagine a perfect sunny Saturday.

You have no chores, no obligations, and four hours to do whatever you want.  Ask yourself, What would I most want to do with this glorious day?” And then wait while various alternatives float to your mind. Write them down.

For some, the answer is as simple as taking a bath or reading a book. Others come up with golfing, taking a hike in Nature, working in the woodshop, or looking for shells on the beach. For others, it is making something artistic, cooking, or going shopping.

The answers you come up with are important, and often require little to no money. These ideas reflect the areas of life that gives you the most comfort and joy (to borrow from a famous Christmas carol). This is important, and can be a foundation of how to expand those things you love into a tool for engaging with others.

If doing something artistic was the top of your list- that is a powerful clue.

  • Explore: how can you expand your love of art into something bigger?
  • Engage: deepen your skills by taking a class. Not only will this sharpen your skills, but also introduce you to others who share the same passions.
  • Give: now, use your art to make small gifts (ornaments, cards, toys) and give them away to friends, a school, or a homeless shelter.

My grandfather was one of the happiest people I knew. He loved people, and would always fill his pockets with hard candy and give out a piece to everyone he met. He was someone who could never sit still and had endless talents. Well into his 90’s, he continued to explore, engage and give. When he could no longer work in his shop, his last years were spent wrapping coat hangers with yarn (keeps the shirts hanging nicely) and gave away hundreds to his children, grandchildren, and staff at his assisted living facility. He was adored, and never was without a smile.

The experience of loneliness is one of the most powerful signals from our bodies to act. There is a big difference between loneliness and depression, although they are often diagnosed as one. Feeling lonely is simply information- time to get out! Try this three-step remedy and see what happens.

Explore your passion more deeply, engage with others who share your interests and then give away our time, talents or gifts to others.

Children do this naturally. They may make pot holders, paint pictures or cut out paper snowflakes and then happily give them away without another thought. ‘Tis the season of sharing, caring and reciprocating. Come on in and join the fun!  What are some of your passions and interests that you have turned into tools to create community and philanthropy? We’d love to hear your stories on our Silvernest Facebook page. Join us and happy holidays!

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The Ultimate Winter DIY Checklist

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Winter is coming. 

Even months after, we still don’t want to let go of Game of Thrones. However today we aren’t talking about an invasion of Whitewalkers… we are talking about the season.

Winter is nearly here and soon we will all be sitting around the Christmas dinner table and celebrating the start of a new year. But in the meantime before the festive season starts, we want to think about jobs that need doing around the house. 

It is important for us to get ourselves ready for the winter and carry out much needed DIY jobs around the home, and that’s why today we are providing a checklist of winter DIYs you should do this week…

Get the heating ready

Before you do anything else you need to make sure that your heating is up and running. Hire a professional to come and check the boiler with Recovery Boiler Monitoring and ensure that it will work all the way through the season without an issue. The last thing you want is for your boiler to shut down in the middle of winter!

Check the Fireplace and Chimney

If you have a fireplace in the home, it is important to do some maintenance on it before the winter season really begins. Make sure to have it cleaned by a chimney sweep and check for any cracks before you use it. 

Check Detector Batteries

It is incredibly important that now and again you check your smoke and carbon monoxide detector batteries. At a time of year when you’ll be cooking big roasts and having lots of family in the home, safety is paramount and you should make sure that these are well prepared. 

Prevent Pipes from Freezing

If you are a new homeowner especially, one thing you may not consider when winter comes in your water pipes. Water comes in and out of the home in pipes, and if the temperature is low enough the water inside the pipes will freeze and block your supply. Use pipe coverings to warm up the pipes and keep the water flowing all winter long. 

Prepare for the weather

Winter is a time when the weather is often more unpredictable than in summer. When winter comes, it is a good idea for you to prepare the home for high winds, rain, and snow or ice. You can do this by blocking gaps under windows and doors, checking the brickwork around the foundations of the home and adding insulation. Also, think about a blackout occurring and make sure you have plenty of bottled water, torches and candles, and a phone charging case. 

Block doors and windows 

The elements are harsh during winter and it is important to keep the hot air in and cold air out. To do this, block gaps in the doors with draught excluders and make sure there are no gaps around the windows. 

Once you have taken the time to carry out these tasks, your home should be ready for winter and you’ll be able to enjoy the festive season with peace of mind.

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DIY Jokes To Get You Through Your Project

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DIY is one of those skills we all have to learn when we become adults and own our first home. Home projects can often be fun and exciting, but others can also be arduous and stressful to complete. If you are looking to build the house of your dreams this year you’ll need to get to grips with how to do many simple DIY tasks such as changing light fittings and wallpapering. 

When it comes to installing Interstate Dry Wall, ripping up carpets, and drilling holes in the walls we could all use a little bit of motivation and encouragement. That’s why today we are going to share some fun DIY jokes to get you through the work…

God walks into a DIY store in Lancashire looking for an ornamental well for the garden of Eden. Not sure where to look, he seeks a cashier for directions…

Before God says a word, the cashier recognizes the big guy and says “well, I’ll be!”

God replies “I thought I was the only one with superpowers?! Thanks.” and off he goes to the second isle.

I’m not very good at DIY but I managed to attach a piece of wood to another piece of wood.

Nailed it.

Went to a DIY store and asked for a plank. Since I’m a cheapskate I asked for 20% off.

The salesman came back with a plan.

Why does Sean Connery suck at DIY?

A lack of shelf awareness.

I wrote a book on DIY.

It comes with a free pen.

My wife told me if I went on the lads holiday to Vegas leaving her and the kids behind I’ll come home to find the locks changed …Good. My key has been sticking for months, it’s about time she did some DIY.

I think my new idea for DIY orthodontics is going to take the world by storm.

brace yourself

A man was doing some DIY work on his gas stove

When it all of a sudden blew up and sent him flying through his roof and up into the sky.

On his way up he passed a man falling down from the sky and asked him: “Hey, you know anything about gas stoves?”

The guy falling responded, “Nope, you know anything about parachutes?”

My friend told me that his DIY liquid rocket made it to space…

I told him to quit being hypergolic.

I’m addicted to DIY repairs.

I can’t stop thinking about my next fix.

I’ve had a bad day…Not only would the toilet not flush but I’ve been banned from the DIY store.

A DIY kidney transplant…

…is a home renalvation.

The worst thing about living next door to MC Hammer is the constant DIY noise.

I shouted ‘Stop!’ but if anything that made it worse.

I went to the DIY shop and bought a curtain rail. The shop assistant asked if I was putting it up myself. I replied “no you dirty sod. I’m putting it up in the dining room”

I wanted to buy some literature on DIY shelving

Sounds easy, but try going into a book store and asking if they have “any books on shelves”

DIY Holy Water…You take ordinary tap water and boil the Hell out of it.

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Audiophile: Getting The Best Sound Wherever You Go

red and blue discs

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Speakers have been around for a very long time, and this market has been developing steadily since their inception. The products available on the modern market are a far cry from those which people were using in the past, with things like digital music and wireless technology shaping the market into something new. Of course, though, with a market so broad and expensive, a lot of people resort to using the first options they can get their hands on. To help you out with this, this post will be exploring audio, and the simplest ways to improve your listening experience without spending a small fortune.

Personal Listening

Listening to music on your own gives you an excellent opportunity to use devices like headphones. These products offer a better experience and a lower price than speakers, though you have to be careful with what you buy. Modern wireless headphones sacrifice quality to be able to provide you with their advanced features. This makes wired headphones a much better option for those on a budget, and this is before you even consider the difference between in-ear and over-ear headphones. Over-ear examples are often offer better value for money, though a lot of people will want the convenience of something smaller.

At Home

Being able to listen to music at home is a treat, and a lot of people like to do this using speakers instead of headphones. Modern smart speakers are great for those who want a touch of convenience, though you will often find the best sound quality if you go back a few years. eBay is filled to the brim with old hifi equipment, and you only need a set of speakers and an amp or receiver to get yourself started. It’s worth doing some learning before using hardware like this, as it can be quite complicated to set up, but most people would agree that the sound which comes from setups like this is far better value than a lot of modern products.

In The Car

Cars can present some challenges when listening to music. Unlike a square or rectangular room, your vehicle is likely to be an awkward shape for sound to travel around. There are a lot of products on the market which have been designed to combat this, and you can read Alpine car amplifier reviews, along with resources surrounding all of the other parts you’ll need, around the web. Each car will have its own procedure to install speakers, though YouTube should be able to teach you everything you need, and any facia panels you require can be bought on sites like eBay and Amazon.

With all of this in mind, you should be feeling ready to take on the challenge of getting the best sound wherever you are. It isn’t always easy to listen to music, though most people enjoy this sort of pastime, making it well worth putting the time and effort to ensure that you can get the most out of it.

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What factors affect your credit scores?

TransUnion TransRisk. FICO®. VantageScore®. These are just some of the credit scores creditors may have at their disposal when they’re evaluating your credit. Which one (or ones) they use to help predict what kind of a borrower you’ll be is up to them—and each credit score flavor has its own secret recipe. While you can’t find out exactly how credit score creators craft those 3-digit numbers, you can familiarize yourself with the 5 ingredients most scores have in common.

1. Your payment history

You know how food packaging labels list the ingredients in the order their amounts are found in the food? For many credit scores, payment history is at or near the top of the ingredient list. And for good reason. Whether or not you’ve paid on time is pretty useful when it comes to figuring out whether you’ll be a responsible borrower. Accounts showing late payments or charge-offs, delinquencies, accounts in collection, bankruptcies, tax liens and many other pieces of payment data generally make their way into credit scores in some shape or form.

Nugget of wisdom: Pay your bills on time and pay off delinquent accounts as soon as possible.:

2. Total debt

This is another big ingredient. Credit scores will generally factor in how much you owe across all your accounts. They’ll also look at your utilization rate. Even though it sounds like those hard-to-pronounce food ingredients, it’s neither harmful nor too complicated. Your utilization rate is how much credit you’re using compared to how much is available to you. So if your credit limit is $10,000 and you’re using $1,000, your utilization rate is 10%. Scores will generally get into all sorts of other details about how much you’re borrowing, things like how many accounts you have, how much you owe on installment accounts versus credit card accounts, etc

Nugget of wisdom: Don’t overextend yourself—only take out debt you can comfortably pay off.

3. Credit history length

This credit score ingredient is pretty straightforward: how long have you been using credit? Credit scores typically factor in how far back your first account was opened and the average age of all your accounts.

Nugget of wisdom: Think twice about closing accounts. We’re not saying closing accounts is bad, but just be aware that if you’ve had the account open for a long time and you close it, your credit score may take a dip.

4. Inquiries

When you apply for new credit, the creditor will almost always pull your credit report when evaluating your application. That credit report request to a credit bureau is known as a hard inquiry. Credit scores tend to incorporate how many recent hard inquiries you have on file. The idea is this: if you’ve applied for credit a lot within a short period of time you may be struggling to get credit.

Nugget of wisdom: Be conscious about how often you’ve been applying for new credit. Credit scores will generally take a hit if you apply too often within a short period of time.

5. Variety of accounts

This ingredient usually plays a small role in the crafting of a credit score, but it’s usually in there. Creditors like to know that you can handle paying a variety of different kinds of accounts. So you may get a small boost when you establish a different kind of credit account—installment loans vs. revolving, for example—and start making regular payments on time.

Nugget of wisdom: Don’t go buy a car or take out a mortgage just for your credit score’s sake. But if you’re at that point in your life, you’re financially ready and your credit’s the same in all other respects, branching out may give your credit scores a small positive nudge.

Credit scores are really just different takes on your credit health. So while you can’t control how credit scores are calculated or which ones are used, you can control your borrowing, payment and debt management habits. Because whether it’s what you eat or what your credit score is, healthy ingredients make for a healthier product and a healthier consumer.

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This article was originally published on truecredit.com.

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