Options for Kilimanjaro Trekking

Mount Kilimanjaro is Africa’s tallest free standing   mountain , measuring 5895 meters above sea level. It is also one of the greatest touristic attractions in Tanzania, being quite the appeal for audacious tourists in search of a lifetime adventure. There are several Kilimanjaro trekking routes available for those who wish to stand on the roof of Africa. There are also many travel agencies and tour operators that organize treks to the summit of the  mountain , which comes as a great advantage to tourists, as they can enjoy this rewarding experience with the help of proficient and experienced guides. Another benefit of climbing this  mountain  on organized trekking routes is that no previous experience is required or special equipment, just a good fitness level and determination. If you want to climb Kilimanjaro and experience the real local feel, then you should choose the Marangu route, as it is the only one where you can sleep in huts. However, this route is less popular and not many tourists are able to complete it.

For experienced climbers or trekkers, the Umbwe route is a great choice, offering the most spectacular scenery, but it is a difficult route, which is why it’s only recommended to more experienced tourists. It is also the route that will provide you with the highest level of privacy, as there are not many people climbing the  mountain  on this route. When it comes to Kilimanjaro trekking, the most popular route is the Machame one, being quite safe and allowing tourists to experience not only impressive views, but also a variety of habitats. The Lemosho route is probably the most interesting one of them all, providing a very balanced trek and amazing wildlife. Last, but not least, comes the Rongai route, which is also very private, as there are almost no people on it and provides the highest chances of wildlife encounters do to that fact. Whatever route you choose to climb Kilimanjaro, it is important to opt for organized tours and trekking, so that you can enjoy the  mountain  with the help of experienced guides, who can keep you safe and help you discover everything that the  mountain  has to offer.

Kilimanjaro trekking is highly dependent on the seasons and there are regularly 2 rainy seasons, which you might want to avoid. One is from the middle on November to the middle of December and the other comprises April and May. Although wet months making climbing more difficult, they also increase the chances of snow in the higher altitudes, which will definitely offer you a more dramatic experience. If you are really planning on such an adventure for your next vacation, you should really do some research before hand and get more details about each route, in order to know what to expect. You should also contact a travel agency or tour operator and ask for quotes and time frames for their available routes, as these too may influence your choice.



My Window of the World

I have a window of the world. For as long as I can remember, I have had a window to look out on to see the world outside. As a child, it was the room from my bedroom window. I would notice the seasons, the leaves on or off the trees, or turning colors in the fall. I would notice the sunsets, the mountains in the distance. In college, I remember looking outside my dorm room windows, and notice each year, the scenery, trees and think to myself, I must remember this feeling, this view, I need to remember everything. I know it is fleeting and I will be moving on soon.I have a window of the world now. It is the window from the home that I have lived in for 13 years. I notice the seasons changing from my window, green leafed trees turn to brilliant fire like colors in fall. They are now bare and the silhouette shows more homes in view as the leaves have fallen to the ground. I watch daylight turn to dusk then to nightfall from my window. I begin to notice a yearning to hold on to what is, to hold on tight and never let go. I don’t want things to change and I want the security of knowing that they never will. I feel so happy that I don’t ever want it to end. I notice this feeling more than ever, at the end of the day, as I close the shade to the night sky, I feel like I am trying to capture this feeling of happiness and it’s as though the night is a betrayal by ending the day too soon.

For many years I suffered with depression and anxiety. Looking out the window became a promise of a new day, the “someday” where all my problems would disappear. I could see the snow on the ground and the leafless trees and know that spring would come. Now that I have connected with my True Self, the unwaveringly wise inner being within me, there is less of an idea of a “perfect” future. As I gaze out my window I feel grounded, and ever so much more appreciative of the now of life. At times I feel so wonderfully happy, fulfilled and wildly content that the “what if this ends” feeling creeps in and I am forced as the spiritual seeker that I am to ask myself “so what if this ends”? And then I hear from my spirit: Define “ends”.

What I know of life is that it is fleeting in all forms. Loved ones, precious experiences, the beauty of each day and memories of it all, can be gone, all too quickly. I am blessed to work with Alzheimer’s patients in my work. I realize that the frailty of life is great whether we are young or old. I ask God, is this a karmic joke, are we meant to suffer with such loss, over and over? NO, I hear, the point of life is to give and receive love. For Jesus says, John 14:2: in my Father’s house are many mansions: if it were not so, I would have told you. I go to prepare a place for you. To live in the world but not of the world is to recognize the temporal, ephemeral world for what it is, enjoy it, and know that the eternal spiritual world is lasting, beyond time and space. What do I mean by beyond time and space? This is a place that does not count the measures of the ego in terms of accumulation of material wealth and possessions. Material wealth can be an asset on the earth plane in terms of what it can do. God does provide material wealth, Divine Providence is real. The message from Spirit is that we cannot take it with us; all material can be enjoyed here. Whether we are experiencing material wealth or not, the message is clear. Love is what remains in eternity.

The Love that we give and the love that we receive is ours forever. Love is all that matters in the end. And since there is no end, love is all that matters. Think of ways each day that you can call on Love as a force, as an energy, because that’s what it is. Love is a verb. Love is an intentional action. Whether you feel it or not at first, if it is your intention and decision to create more love, you will be gifted by Divine Will, the Will of God, to fill in where you are weak. I know this first hand, and it is real and it is true. The many mansions that Jesus speaks of are those places, in our eternal rest, where we live. If we live with love on earth, we will surely live in love in Heaven. Heaven on earth can be here, it is now. Call on Divine Love and watch your window of the world become a beautiful beacon of light and love for all eternity.



Clutter Busting No 1 – Pesky Paper Problems

Everyone can relate to a paper clutter problem: loose bits of scrap paper with doodles and writing in any conceivable place, a newspaper from 3 weeks ago still on the coffee table or a mountain of letters you still need to post. Clearing this clutter can make a massive difference to the look and feel of your home and can start you on your way to a clutter free life.

There are lots of reasons why paper can accumulate in your home but if you stake some simple steps you can get on top of, and manage, the problem.

One of the most common problems is received letters you deem not important enough to bother with now but important enough to not just throw away. These letters usually end up in a pile in a cupboard or on a surface. The solution is simple: Open every letter as soon as it falls at your front door. Then immediately deal with it, throwing away the junk mail into your recycling bin as you go.

Another problem is shoving old newspapers into the paper rack even though it’s almost at breaking point. Newspapers then end up falling off the rack and piles of papers gather around. To avoid excessive hoarding keep only treasured papers/magazines (ones, for example, where you or a relative feature as a news item) and recycle the rest.

Scrap or crumpled up bits of paper can wiggle their way into the weirdest of places. It’s a common habit to doodle on paper when on the phone, computer or waiting around twiddling your thumbs. Bits of paper then get ripped off and folded or crumpled up, finally ending up in a pocket or down the back of the sofa. Make sure that any rubbish gets put immediately into a waste paper bin to then later get recycled.

Not everything needs to be thrown away however. Important documents like tax related documents, insurance certificates, driving licenses or receipts. It’s imperative to file these away in an orderly fashion. There are many ways to file away documents and one of the easiest methods is to sort documents into folders. Have one folder for all car related documents, one for all your receipts and one for bank statements and so on. This way you can find you documents quickly and without fuss and you avoid any possible clutter. Just make sure you label the folders!

All councils should offer a recycling service so make the most of it! Make sure all recyclable materials go into their corresponding bins or bags. You can find out if a material is recyclable by looking for a recycle symbol.

Get a notebook (or get a few!) for jotting down any details and lay it down in any areas you find you scribble on bits of paper. If the notebook is one where you can’t rip out the paper easily you’ll find all the paper stays in the notebook and not on the floor! Then, once the notebook is filled, recycle it.

One final tip is to get an in and out tray. This is a simple but effective filing system for anything that needs you attention, like bills or letters you must return. Assign at least one day of the week to going through and sorting the trays and before long you’ll find your house is a clutter free zone!



Where is Aleutians?

The Aleutians are a long chain of islands that begin at the western tip of Alaska and reach into the Pacific Ocean for a thousand miles. There are more than a hundred islands in the Aleutians. The people who live on these islands are called Aleuts. They are a kind of American Indian, related to the Eskimos. They are short and sturdy and have dark skin and black hair. The Aleuts are fishermen, and they also trap blue fox, seal and sea otter for their valuable fur. There are no trees on any of the Aleutian Islands.

The ground is very rocky and very little plant life grows on it. When you see the islands from the water they look like the tops of rocky mountains. On some of the Aleutians there are volcanoes that are still smoking and may blow up again some day. An explorer named Vitus Bering discovered the Aleutian Islands more than two hundred years ago, in 1741. He was from Denmark, but he was hired by the Russians to find out what lay east of Siberia, the Russian part of Asia. Bering sailed toward the east and not only discovered the Aleutian Islands, but also was the first to reach Alaska. When the Russian Government learned of his discoveries, and how rich the islands were in fur-bearing animals, the Russians sent traders to the Aleutians.

These traders forced the Aleuts to work like slaves for them and were very brutal, killing many Aleuts. In 1867 the United States bought Alaska and the Aleutian Islands from Russia. New American laws made it easier for the Aleuts to live and go about their fishing and hunting. Most of the time Americans paid little attention to the Aleutian Islands, but when Japan became warlike the United States government woke up to the fact that the Aleutians are very close to Japan. The United States Navy built a naval base at Dutch Harbor, which is on an Aleutian island called Unalaska.

Shortly after the Japanese bombed Pearl Harbor, in 1941, they also bombed Dutch Harbor. At that time there were about 4,000 Aleuts living on the small islands. Since they were in danger, they were all taken to safer islands near the Alaskan coast. The Japanese occupied some of the western islands in the Aleutians, and it was feared that they would soon attack Alaska. American sailors and soldiers landed on one of the Aleutian islands, called Attu, and fought a bloody battle with the Japanese. After 19 days of fighting in the cold and fog, the Japanese forces were wiped out. After the war was over the Aleuts were moved back to their rocky, treeless, desolate islands, but they were very happy to be back home.



Insurance for Bikes

It is natural that since there are more and more bike riders, there are also more and more thefts, especially since the times are so hard and when it is a lot easier for criminals to smash someone’s head than to go at work on foot. Let’s see how you can defend yourself against bike thefts. Obviously, you get an insurance policy.

The next thing you have to think of is to go see an insurance company and discuss the possibilities you have when it comes to insuring a bicycle. Most of the bike riders are disappointed because the insurance companies don’t even talk to them. Therefore, you should try to talk to more insurance companies and insure your bike. In many cases, you can only insure your bike if you insure everything that is in your apartment. This means that you get your money on the bike if someone breaks into your house and you declare your bike missing.

Here is how you calculate the value of a insurance policy for your bike. Let’s say you have a bike worth one thousand five hundred euros. 0.3 per cent of this value is your annual value, this being more than decent. The thing is that your bike in insured both whether it is kept in the house or in the backyard. This is not at all a bad idea because most of the people who have a backyard keep their bikes there.

It is quite important to insure your bicycle because you can never know who else wants to use it.



Smart Women Make It Happen

A few days ago, I happened to get caught in the typical bumper to bumper LA traffic near the location of my last “job” before I began my journey as a woman entrepreneur. I had some time to reflect on where I was back then and where I am today. As the images of my life passed through my mind much like the scenes in a movie, I asked myself, “How did I go from where I was back then to where I am today?” The answer popped into my mind almost immediately: I took action. Smart Women make their Big Ideas, Dreams and Goals happen.

Back then, I was working as a business manager and marketing consultant for a very prominent physician in Los Angeles. I was making decent 5 figure money, however I didn’t own my car and I was renting an apartment with a roommate to make ends meet. The office where I worked was located in glamorous Beverly Hills, however the location of my desk inside the office was anything but glamorous. I sat in an area that was a “pass through” for every employee so I never had any privacy. If I leaned really far to my left, I could see some trees outside the window of my boss’s office. I longed for an office with a window view and an apartment all to myself.

Today, along with my beautiful family, I have my own business with an office in my home that has a panoramic view of blue sky, trees and mountains and I’m about a mile from the Pacific Ocean.

What changed? I changed. One thing I know for sure is that nothing changes until you do. If you want something in your life to change, then you have to be willing to make a change. Sounds simple doesn’t it? I must admit that it’s not that simple and along the way there have been bumps in the road. However, I would not change a thing.

I can’t share my entire journey with you in this article however, I do want to share 6 of the key essentials that took me from where I was – basically “surviving,” to today where I’m fully “thriving.”

  1. Get Curious – I became an entrepreneur by accident. I wasn’t earning the money that I truly desired and when it became apparent that I was never going to in my job, I started to think about another alternative. I began dreaming, reading, researching and asking questions to anyone who might be able to give me some ideas on starting a business. Today it’s so much easier because of the internet. Google is at your fingertips to ask just about any question you can think of.
  2. Get Moving – Once I landed on an opportunity that felt right for me in terms of money invested verses profit to be made, I began to look for ways to secure the money I needed to get started. I was considered a “credit risk” to many banks and was turned down quite a few times before I secured my first loan.
  3. Keep Trying – Anytime you do something new, you’re bound to make mistakes and becoming an entrepreneur is no different. You will make mistakes. The key is to get up when you fall down and learn from the mistake. I’ve made numerous mistakes over the years and I paid attention to what I did wrong and learned how to do it right the next time.
  4. Keep Learning – Take classes in areas of learning to get you up to speed on new, innovative ways to build your business. I enroll in classes all the time both offline and online to learn more about ways to increase my business and marketing. With all of the teleclasses and webinars there are today, it’s become so easy to learn from anywhere.
  5. Get Support – Having coaches and mentors is one of the best investments I’ve ever made. Having a trusted “partner” on the journey who sees my situation through a different lens has been a big reason for my success. Having a supportive spouse, family and friends has played a big role for me as well. Make sure you surround yourself with people who champion your dreams.
  6. Stay Focused – Decide what it is you want to accomplish and stay on course to make it happen. I’ve veered off course myself many times and I have to remember the answer to “Why am I doing this?” so I can ground myself again and stay focused on my desired outcome.

I invite you to stop dreaming and start acting on your Big Ideas, Dreams and Goals. One of my favorite quotes from Einstein is “Vision Without Execution is Merely Hallucination.” Stop hallucinating. Take action today and make it happen.



Fitting a New Shower Tray

Shower tray installation was promised to be a simple matter by our plumber – a sage old man who wanders around the house muttering ‘Bello’, ‘Grande’ and ‘Buono’ seemingly at random and to himself. The reality of our experience fitting a new shower tray was a bit different and went as follows.

I am disabled and require a bigger space and stronger platform than most therefore we were already focusing on a quality product and not the usual bog-standard (if you’ll excuse the pun) bathroom fitting. In consultation with our local builder’s merchants we chose a Kaldewei enamel steel shower tray or shower tub carrier as it is sometimes called. The size I chose was large but not the biggest; 1.2m x 1.2m and it was made of thick white enamel steel. As a result we were quoted over EUR400 and a delivery period of 4 weeks.

About 2 months later, the shower tray finally arrived and we took delivery of it. We had left a suitable space in the floor of our bathroom but had not been able to plumb it in as we weren’t certain of the location of the drainage holes in the floor of the shower tray.

We opened the huge cardboard box and removed the steel tray. We were surprised to see that it had wires attached to it but later reading of the rather confusing instructions suggested that we need to ask our electrician to earth this surface. So, now we had 2 builders men waiting to finish the bathroom, a plumber waiting to fix the shower tray and an electrician earthing it.

On top of that, the shower tray came mounted on a huge chunk of polystyrene which we assumed was packing (and rather wasteful at that). It turned out that this was to be embedded in the floor of the bathroom around the pipe work and the shower tray mounted on top of that. The instructions from Kaldewei leave a lot to be desire – multilingual they may be but they are completely confusing in any of the ones we understand. I’ve got them in front of me and, even though we now know how it all works, the instructions don’t seem a whole deal clearer!

After many man-hours of swearing, arguing and, finally, sweating, we got the shower tray fixed into place and tiles laid around it to protect it and to keep water from going underneath it. If it works as well as it looks, it will have been worth it.

We’re now waiting for the plumber to put the silicone sealant around it and then I can use our Kaldewei shower tray.



Living Dangerously? There’s Life Insurance For That

Suppose you’re a generally healthy person with a weekend habit of jumping out of helicopters to ski down mountains in the middle of the French Alps? What if you like to ascend ice formations in a sport called ice climbing, or barrel down a twisting paved road while lying on wheeled board? How about if you work a dangerous job? If you find that your adrenaline rush or risky occupation is getting in the way of obtaining life insurance coverage, here’s two ways to prevent being denied coverage or finding reasonable rates: don’t lie, and get trained.

Although hazardous avocations typically come with increased premiums, high-risk insurance specialists can advise you on how to keep your personal premiums from soaring.

Dangerous avocations, as defined by the United States Occupational Safety and Health Administration’s (OSHA), are categorized as “impaired risk,” meaning most underwriters will rule out the most favorable rates, but according to Carol Casey-Odekirk, spokesperson for State. Farm Insurance, people who work dangerous jobs are generally compensated for job risk by their companies, which can offset any increase in premiums.

“Insurers are obviously involved in aggressive underwriting for people with impaired risk, but to do the best job we need to know all the facts pertaining to the risk,” says Gary Dworkin, Immediate Past Chair for the National Association of Independent Life Brokerage Agencies.

While premiums vary based on specific circumstances, taking safety courses and showing expertise in your hobby or occupation can help reduce your rates. The life insurance market is very competitive and rates are often reasonable, so chances are fairly good a risk specialist can find you the best coverage for the right price. Lying or omitting information, however, will not help you.

“Insurers are pretty good about their research, so it’s not a matter of if you lie-it’s a matter of when they catch you. Within the first two years the life insurance policy is issued, insurers have the right to reject claims, refund premiums or nullify the contract if it’s found that they misrepresented information. There’s also a chance of having a claim rejected for fraud,” said Dworkin.

If you are caught lying before a life insurance policy is issued, it goes on your record, which can keep you from finding reasonable rates or being insured altogether, so simply don’t do it.

When it comes to living dangerously, some people don’t just do it for kicks-it’s their day job. Preliminary data from the United States Department of Labor’s 2008 “Census of Fatal Occupational Injuries” listed the following five jobs as the most hazardous, by fatality rate (otherwise known as the chances of surviving, if you are injured on the job). We included an additional five jobs with surprising mortality rates.

1. Fishermen- Sure, they get plenty of fresh air and exercise, but they also have the highest relative risk of death by drowning. Although the DOL listed 38 fatalities in 2008, fishermen have the highest fatality rates of any profession- 111.8 (per 100,000).

2. Lumberjack- With a mortality rate of 86.4/100,000 and 76 fatalities with the reason listed as “contact with objects and equipment,” sometimes being a lumberjack is not OK.

3. Airplane pilots- People who work in the airline industry, particularly pilots, hold the dubious honor of third-most dangerous job in America. With 87 deaths in 2008, they face a grim 70.7/100,000 chance of death every day they go to work. The majority of their deaths are crash-related. Just remember to thank your pilot on your next flight (instead of complaining about the delay).

4. Structural metal workers- Someone has to make sure the buildings go up. Unfortunately, structural metal workers face a huge risk of falling down on the job from an average height of 500 feet or more. Unlike the top 3, metal workers had 40 fatalities listed for 2007, and a mortality rate of 45.5.

5. Farmers and ranchers- Sure, a job in the open country, working with the land may sound ideal, but it loses appeal when you consider how sharp farm implements are, and how a herd of stampeding animals won’t stop because the light went red. With 293 deaths in 2008, farmers and ranchers have a mortality rate of 39.5.

Five surprisingly Dangerous Jobs

1. Driver/sales workers and truck drivers- It’s a life on the open road, which is both a problem and a solution for many people in the transportation industry. Although they have a relatively low fatality rate, 28.2, the DOL also listed a shocking 976 fatalities in 2007.

2. Construction workers- Like structural metal workers, construction workers are integral to maintaining the infrastructure of our society. Although their mortality rate is a relatively low 19.5, their job requires working in a variety of dangerous conditions. As a result construction workers average a staggering 345 deaths per year from falls and traffic accidents.

3. Grounds maintenance workers- It’s a dirty job, but somebody has to keep the grounds looking nice at golf courses, parks and resorts across the nation. Unfortunately, with 160 fatalities listed in 2007, it might not be the hottest job on the market. On a plus note, grounds workers enjoy the lowest mortality rates on this list, 12.0.

4. Policemen and Sheriffs- Despite upholding the law, policemen and sheriffs are subject to the same general rules as ordinary folks with hazardous jobs. Their fatality rates were listed as 21.8, and they only suffered 146 fatalities, with the most common cause listed as “transportation incidents.”

5. Taxicab Drivers- Ever wonder why your cabby is so surly? With an average of 50 deaths per year from violent assaults and a mortality rate about the same as police officers (21.3), they might have earned the right to be a little standoffish. Just remember to make eye contact and smile before your cabby whips out the mace.



Owning and Insuring Your Classic Motorcycle

I have always found the opportunity to own and ride a classic bike to be one of the most exciting aspects of getting into motorcycles. I’ve been a New Jersey motorcycle accident attorney for over 23 years, and a rider for most of my life, and throughout this time, my love of vintage motorcycles has grown exponentially.

A classic bike enables you to preserve our heritage, and enjoy a taste of the same thrill that famous motorcycle enthusiasts of the past, like Marlon Brando and Steve McQueen experienced when they mounted their bikes.

There are a few issues to keep in mind with older bikes of course, some of which are consistent with riding a newer bike, and some of which are unique to classic motorcycles.

What makes it a classic?

Before we get to these issues, we should make sure we are clear on exactly what we mean when we use the terms, “classic,” or “vintage,” when it comes to motorcycles. This is the subject of nearly endless debate within the motorcycle community. But if I had to boil all these arguments down to what I think qualifies a bike as a classic, here are the rules I go with.

Defining a classic motorcycle

  • It must be 25 years old or older. This is a deal breaker. The only way to know if a bike will stand the test of time mechanically and aesthetically is to see how it holds up over the years.
  • It should have a fairly traditional design or look that recalls the origins of these vehicles. Air-cooled, two-cylinder engines, single headlights and double supports on the rear wheel are acceptable.
  • No frame or structural modifications.
  • Quality performance and construction. This would seem to be a no-brainer, but it is possible to nurse an inferior vehicle to the 25 year old mark. These coddled bikes are not what I have in mind.

Rather than further hashing out this age-old debate, it may be easier to just list a few agreed-upon classic models:

  • Triumph T120 Bonneville
  • Harley-Davidson WL 1950
  • Yamaha XT500
  • Suzuki SP370

Each of these bikes has stood the test of time and is widely agreed to meet the standards I laid out above.

Insuring a classic motorcycle

When it comes to insurance, I have never been shy about beating the drum for full coverage, including health/medical coverage. This is mostly because as a New Jersey motorcycle injury lawyer who handles medical bills, I have seen bikers get the short end of the stick when they are involved in accidents. So I’ll say it once again: make sure you have more than adequate UM/UIM coverages. This applies regardless of whether you’re riding a new or classic bike.

When you purchase coverage for the bike, you’ll come to an agreement with the insurance company on the bike’s “Agreed Upon Value.” This is the market value of the motorcycle at the time you apply. This way, if you have an accident, they will settle for the correct amount to restore your bike to its pre-accident condition.

Since a classic bike can appreciate in value, you’ll want to be sure your policy covers the full collector’s value of the motorcycle. And if the unthinkable happens and you have an accident, you’ll want to hire a qualified motorcycle crash attorney with plenty of experience recovering property damage in addition to bodily injury.



Take a Vacation From Life

With everything going on in the world, from politics to the economy, to life’s stressors, it is important to take a break from it all. I prefer calling it taking a “vacation from your life”. My husband and I and our children are going to Disney World this week, and it could not have come at a more perfect time. Like many others, I am stressed with everything happening around me, and on top of that I have some deadlines for a book I am publishing. I am ready to go escape life for a bit, even if it is just temporary. I of course am saying this now, prior to having two tired, over sugared, and overstimulated little ones. I am not saying that everyone needs to take a literal vacation, but I am saying you need to take a “break” from your normal routines. Sometimes we get so caught up in the news, in the media and the frenzy going on, that we can’t function on anything else. We lose sight of the joys and blessings in our lives. If you need to take a “vacation” from your life in order to get refocused and re-energized then absolutely do it. Some people are more prone to taking on negative energy around them, and so it is vital that they remove themselves every now and then. I am one of those people. If people are sad, I feel their sadness. If people are elated, then I feel their joy. I am much better at protecting myself so that I don’t carry others’ negative energy as my own, but it is constant work. My advice to you this week and the coming weeks, is to do what you can to stay grounded and positive. Take a break every now and then from the news; you won’t miss anything that you won’t hear again the next newshour. As for me and my family, we are off to the happiest place on earth…at least for one week~

ACTION TIPS FOR THE WEEK:

1. Turn off the TV

How are you benefiting by watching the news all day? The news right now is fairly toxic and depressing. By checking it every so often, you will get the information you need. This is what I mean by taking a “vacation” every now and then. When you are starting to get stressed or overwhelmed, turn off the television and do something more positive and productive. You will feel much better!

2.Do your research

If you are unsure about your financial situation, or how everything is affecting you, do a bit of research. Call your financial advisor. Contact a financial planner. If you do not have a financial planner, I would highly recommend Cathy Schwartz. She is extremely knowledgeable and friendly. Education leads to empowerment. Get your questions answered. If you are still undecided on who to vote for, research both candidates websites as well.

3. Create your own escape

If you can, create your own escape from reality. Create some sacred space in your home, where you can meditate and feel at peace. Fill it with fresh flowers and relaxing music. This will be the area you retreat to when you are feeling overwhelmed and stressed. If possible get out of your home or environment when feeling down. Go for a walk. Go for a relaxing hike. Take the time to clear your head.