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All Posts By Karl Lynn

Can I Get GAP Insurance on My Used Car?

By Posted on 3 m read

The used car market is booming, as a result of a global chip shortage leading to a downturn in new car production. With new drivers on the rise in the aftermath of the coronavirus lockdowns, more and more motorists are hitting UK roads without fully understanding the options available to them even in ownership of a used vehicle – for example, GAP insurance. What is it, and why might it be a viable option for new motorists?

What is GAP Insurance?

GAP is an acronym, which stands for Guaranteed Asset Protection. Guaranteed Asset Protection insurance is an additional layer of insurance coverage, into which you enrol separate to your main insurance plan. GAP insurance covers the difference between the offer from your insurance company and the value of your vehicle, in the event of a write-off accident or the theft of your vehicle. This additional insurance can represent a valuable financial buffer, ensuring you get the total value of your car back in order to purchase an adequate replacement, or compensate for the difficulties incurred from suffering the loss of your vehicle.

Am I Eligible for GAP Insurance?

In short, there are only two stipulations regarding eligibility for GAP insurance: your age, and your car registration status. If you are over the age of 18, and a registered driver of your vehicle at the time of application. However, eligibility is only one side of the coin – the more useful question might be, “why would I need GAP insurance?”

There are a few ways to answer that question, but we need to start with the acknowledgement that many insurance providers assure the replacement of a vehicle in the event of a write-off or a car theft. However, this coverage is often only included in the first year of cover, and otherwise a prohibitively expensive addition. You may need GAP insurance if your car was paid for on finance, and you still owed payments at the time of the incident. Here, your insurance pay-out would be soaked up by the finance company, leaving you with little; GAP insurance covers the difference between the value and the offer, returning you more money or allowing you to completely square your finance debt.

GAP insurance might also be a good idea for you if you have recently purchased a relatively new second-hand vehicle. In buying a newer model second-hand car, you benefit from the initial depreciation in value from leaving the showroom, but also the relative good condition afforded by a newer car. Your car will depreciate further in value over your ownership, and in the event of an accident or theft your insurance offer might only reflect the present value of your car. GAP insurance can pad this offer, up to the value of the car when you purchased it.

Is GAP Insurance Worth It?

This information poses the question: is GAP insurance worth it? Ultimately, only you as an individual car owner and driver can make that decision, but various factors can come into play when figuring out whether or not to invest the extra money in coverage. These factors include your average weekly mileage, and your driving style. However, the fact that GAP insurance negates depreciation in the event of a serious incident suggests that the additional coverage could more than pay for itself in the worst-case scenario. 

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Top Things to Do Once You Settle in a New Country

By Posted on 5 m read

Moving to a new country can be challenging. You have to learn about the customs, adjust to the culture, and get used to everything differently. But what’s more important is that you find your way around this new place by exploring it fully. 

This guide will help you explore the top things to do once you settle in a new country.

Update Your Contact Details 

One of the first things you should do when settling into a new country is updating your contact details. This includes activating your SIM, and updating your email address and postal address. Make sure that all your friends and family have the most up-to-date information so they can stay in touch with you. 

It’s also a good idea to create a list of emergency contacts that can help you out if needed. Include people like your doctor, dentist, lawyer, and accountant on this list. You may also want to include some friends or family members who live in the area—having this information in handy will make settling into your new home easier.

Interact with Neighbours 

One of the best ways to get to know a new country is by interacting with its neighbours. This can mean going out for coffee, getting lunch, or even just saying hello when you see them in the street. Not only will this help you learn about the culture and customs of your new home, but it will also help you make friends.

Find a New Job 

One of the first things to do after moving abroad is to find a job. You can start by looking into various websites that list jobs and vacancies around your new city or country, such as Monster, Indeed, Careerbuilder and Craigslist. 

If you know someone who already lives in your new home, ask them for connections. When applying to these positions, be sure to mention where you are currently living so it’s easier for employers to reach out with any questions they may have. 

Also, remember that if you don’t find something immediately after arriving, there might also be opportunities available only at certain times throughout the year – like seasonal work – based on what people are looking for in your new location. So be patient, and keep exploring all of your options.

Learn New Dishes

One of the best ways to integrate yourself into a new culture is learning its cuisine. You’ll be able to explore new flavours and improve your cooking skills simultaneously. Plus, cooking is a great way to show your host country’s appreciation and hospitality. So go out and try some new recipes. You might find your new favourite dish.

Find Volunteer Opportunities

Once you’ve settled into your new country, it’s a good idea to start looking for volunteer opportunities. This is a great way to meet new people and learn about the local culture. Plus, it can be a lot of fun. There are usually many different volunteer opportunities available, so you’re sure to find one that interests you.

Some popular options include helping out at a local charity or animal shelter, teaching English as a second language, or participating in community clean-ups. Whatever you choose, do your research first and ensure the organization is reputable. That way, you can be sure that your time and effort will be put to good use.

Plan Out a Week’s Itinerary 

Now that you have finally settled into your new country, it is time to plan out the first week’s itinerary. This will help get you familiar with the area and all of the great things that it has to offer. 

Make sure to include visits to popular tourist destinations and some lesser-known spots worth exploring. You may also want to use this time as an opportunity to try some of the local cuisines and go on a few sightseeing tours.

Find a Comfort Spot 

Another thing you’ll want to do once you’ve settled in your new country is find a comfortable spot. This is a place where you can relax and feel at home. This could be a specific coffee shop, restaurant, or park you often visit. Having a routine will help make the transition easier and help you feel more connected to your new community.

Learn the Culture 

One of the most important things to do when you move to a new country is to learn the culture. This includes understanding the language, customs, and traditions. It can be a challenge at first, but it’s worth it in the end. Please make an effort to get to know the people and their way of life. Don’t expect them to accommodate you; instead, make yourself open and available.

Expect the Unexpected 

When you move to a new country, there are always surprises in store. Things you would never have imagined will occur and it’s essential to be prepared for them. 

You will likely experience culture shock. Be prepared for feelings of confusion, loneliness, and anxiety as you adjust to your new surroundings. You may feel like you can’t relate to anyone around you and that everything is entirely different from what you’re used to. This is all normal, so don’t worry. It will take time, but eventually, you will adjust.

You will probably have to learn a new language. Unless you’re moving to a country where English is the primary language, you’ll likely need to pick up some basics to get by. At first, this can be daunting, but it will get easier with time.

You might feel like you don’t fit in anywhere. You may not be able to relate to the locals, and they probably won’t be able to relate to you either. This shouldn’t make you lose hope. Instead, try your best to meet people and make friends outside of work.

So, these are some of the top things to do once you settle in a new country. Of course, this is not an exhaustive list, and there will be many other things that you will want to do as well. But hopefully, it gives you a good starting point for getting started in your new home. 

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How to Improve Your Life: Tips for a Better Day

By Posted on 3 m read

Investing in oneself is one of the best investments that you can make. After all, if you invest in your business, it will grow and become more successful. But what about investing in yourself? This article discusses several things that will change your life for the better. From making a morning routine to eliminating distractions, here are some secrets on living a happier and healthier life.

Make a Morning Routine

A morning routine is an excellent way to start your day on the right foot. It can help you get going and be more productive throughout the rest of your day while also helping you feel less stressed out. To make a morning routine that works for you:

  • Create a list of things that will work best in the early hours after waking up -for example, some people enjoy an hour or two at home before they go into their office to read or meditate; others prefer getting straight onto email once they’re showered and dressed.
  • Do one thing at a time, so it doesn’t become too overwhelming
  • Be realistic about what can fit into each new day. You don’t need to do everything every single morning. Just focus on what will help you feel most productive, refreshed, and at ease

Start Saving

Before saving, you should consider opening a USD bank account to help you save money. Once you have opened a bank account, start transferring a fixed percentage of your income into it each month. This will help to ensure that you can save money over time and reach your financial goals.

Invest

Investing is another primary key to improving your life. When you invest, you put yourself in a better position for the future. You can invest in stocks, bonds, real estate, and other options. Make sure that you do your research before investing to know what you’re getting into.

The following are some things you should consider before investing:

The economy and the market

Your age, your skillset, and what you want to gain from investing

How much time do you have available for research or trading on your investments? Reduce distractions to focus better on building more wealth through investment. By eliminating distractions such as social media and television, it allows you to spend less time doing unproductive things and work towards making money to improve your life. You should also consider reading books about investing if this is something new for yourself. 

Doing one thing at a time will help boost productivity, leading to an improved lifestyle overall with increased income levels by learning how to achieve success when managing different tasks simultaneously. Lastly, before going out and investing the hard-earned money, you consult with a professional or another individual who has experience in this field to get an unbiased opinion and more knowledge on the topic at hand.

Conclusion

Improving your life is not a one-time event. It is an ongoing process that takes time and effort. But by following these tips, you can make small changes that will have a significant impact on your day-to-day life. So start today and see how much better you can feel.

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3 Cornish Interior Designs Inspired by Stylists

By Posted on 2 m read

Looking for a new interior design style for your home? Cornish interior design is rising in popularity right now and it is easy to see why. There are a number of Cornish properties that have been transformed by top interior designers that strike a fine balance between modern and traditional to create homes that are both practical and stylish. Here are 3 Cornish interior design styles to consider.

Bright & Stylish With Annette Miller-Golding

Interior designer Annette Miller-Golding transformed a beach bungalow into a stylish and welcoming space available to rent in Constantine Bay. Natural light is one of the most notable aspects of the property, which can help any space to look and feel bigger and brighter. 

She also adopted a clean, pure and minimalistic style for a modern home but one that still has plenty of character with the plants, natural materials and artwork. This is a very versatile design style that can be used in any type of accommodation to create a home away from home, such as your holiday property.

Wooden-Modern With Jonathan Tuckey Design

Jonathan Tuckey Design is another inspirational interior designer that transformed a traditional old Cornish house into a more modern home while retaining the same charm. He was able to do this by connecting the smaller spaces into the home into an open plan space for more modern living. Natural materials like stone and wood were used to complement the home’s location and provide a minimalist, clean feel in the property that is emphasised by the natural light that flows through the large picture window.

17th Century With Robert Carlsaw

Interior designer Robert Carlsaw had a challenge on his hands with his home with parts that date back as far as the 17th century. Carlsaw was able to retain and even enhance the period character with the use of antiques, colour and pattern while updating and extending the property.

The project involved a lot of work, including removing false ceilings, reconfiguring internal divisions, installing a chimney breast and oak beams. This retains the property’s period charm, which is then contrasted with modern art pieces to keep the pace fresh and modern. Carlsaw also avoided using downlighting where possible and instead opted for table lamps and picture lights to create soft, atmospheric lighting that makes the entire home feel relaxing.

These are three examples of Cornish properties that have been transformed by some of the best interior designs in the UK right now. These Cornish interior design styles retain the traditional and natural feel of typical Cornish properties, but they have also been given a modern twist to make the spaces visually appealing, practical and welcoming. These styles can serve as inspiration for your own home and hopefully help you to make improvements.

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7 Health Checkups To Start 2022 Feeling at Your Best

By Posted on 4 m read

General health checks play a vital role in preventing fatalities, chronic illness, or complications. However, surveys show that 1 in four people don’t keep up with recommended health checks and physical tests! While going to the doctor for various exams every year might seem like an unnecessary cost, this lifestyle choice can have many benefits, including:

  • Preventing the costs associated with healthcare treatments, pharmaceuticals, and cures
  • Preventing the financial loss of missing work because of health issues
  • Help you keep healthcare costs low

Above all, regular health checkups can help you identify a developing illness or health problem before this becomes a severe, life-threatening illness. In the sections below, you can find some of the most common health checkups you should book every year. 

However, you should consider speaking to your doctor to know which ones are more suitable for you and your health. 

Eyesight Exam

Checking your eyesight every year is essential to ensure that you are not adding a significant strain to your eyes. Some of the benefits of speaking to an experienced optometrist once a year include:

  • It can help you get the right prescription for your eyesight
  • It can help you detect eye conditions before these develops and require more invasive treatments
  • Can correct eyesight issues in less time
  • Proper eyesight is essential to prevent falls and accidents – especially when driving a car or operating machinery

Depending on your job, age, and genetics, you need to book your eyesight check ups once a year or once every two years. 

Hearing Exam

An estimated 30 million people just in the US report hearing loss – a condition that becomes more frequent and severe because of factors such as:

  • Ageing
  • Lifestyle
  • Genetics
  • Underlying conditions

There are two main kinds of hearing loss affecting over 430 million people around the world: age-related hearing loss and noise-induced hearing loss. In any case, if left untreated, hearing loss can have severe consequences. Some of the benefits of hearing aids in this case include:

  • Return to enjoying social activities and environments
  • Ability to follow a conversation – especially in noisy spaces
  • Increased safety at work and at home
  • Reduced chances that the hearing loss can lead to issues such as dementia

Blood Tests and Blood Pressure Checks

Heart disease, stroke, and circulatory issues represent the most common causes of death. While most adults tend to avoid blood tests, these simple exams can play a vital role in diagnostics and preventive healthcare. 

In particular, a blood test can offer you an overview of:

  • Your blood pressure and the presence of circulatory issues
  • The levels of cholesterol in the blood
  • Blood sugar levels
  • Vitamin and mineral deficiencies that might affect your health over time

There are several types of blood tests designed to analyze one or more aspects of your health. You should book a blood test every once or two years, depending on your doctor’s suggestions. However, you might need more frequent checkups if you:

  • Are an older adult
  • Are male
  • Are overweight or obese
  • Have a family history of high cholesterol, high blood pressure, or heart disease
  • Have a personal history of high blood pressure and cholesterol
  • Have diabetes, cancer, or other chronic diseases

Oral Health and Dental Checkups

Oral health and dental checkups are important at all stages of life, but they are particularly essential as you age. Indeed, without regular checkups, minor problems such as gum inflammation or fillings can turn into substantial health issues. 

Even if you know how to deal with dental emergencies like a pro, you should always strive to avoid these situations. Luckily, you can do so by booking your next dental checkup! 

Additionally, a dentist can also help you overcome some of the oral health issues that might impact other aspects of your life, such as sleep apnea and teeth clenching. 

Skin Check

We all tend to forget to book in our skin checks. However, skin cancer is becoming increasingly common, and your skin can change very fast. That is why experts suggest that you check changes in your skin up to once a month! By checking your moles, freckles, sun spots, and other abnormalities on your skin regularly, you can identify developing skin cancer early on, which makes it easily curable!

Bone Density Tests

The density of your bones will change as you age, and it is normal for bones to become less dense and easily broken when you pass your 65th or 70th birthday. In particular, if you have broken a bone in the past, have rheumatoid arthritis, are overweight, or have been taking steroids for a long time, your doctor might recommend more regular checkups.

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5 Ways to Break Bad Habits to Replace them With Healthy Ones

By Posted on 4 m read

We all have bad habits. Whether it’s biting your nails, smoking cigarettes, drinking too much coffee, or spending too much time on social media, these are things you know are not suitable for you but can’t seem to break the habit of doing them. So try implementing some of these five tips to help get rid of these habits and replace them with healthier ones!

Surround Yourself With the Right People

If you’re trying to quit smoking but constantly hang out with people who smoke around you, it will be tough to avoid the temptation of lighting up. Get rid of all your friends that do not support this healthier habit and make new ones! You can also join a group or club for like-minded individuals, which is an excellent way to stay focused on achieving your goals. This tip sounds obvious, but sometimes we need reminding how crucial our peers are in keeping us accountable for changing bad habits into good ones. If someone close to you smokes, remember they have no right telling you what’s best for your health when they don’t listen to their bodies either! But if everyone else has stopped eating junk food except one person at lunch, there’s a pretty good chance that person will want to fit in and eat the same thing.

Give Yourself a Break From Bad Habits like smoking or excessive drinking.

If you’re looking for an alternative habit that is less harmful than smoking cigarettes, consider vaping. It’s better on your lungs and will help prevent the adverse health effects of secondhand smoke, including asthma, shortness of breath (even with moderate exercise), and lung infections like bronchitis. Vaping has also been proven to have very few side effects compared to cigarette smoking, so why not get yourself a vape from the Disposable Vape Bar to start feeling the difference. In addition to this, try to break from drinking alcohol every once in a while. Of course, it’s not wrong to have a drink or two, but if you’re finding yourself drinking more often than not, it might be time to cut back.

Practice Mindfulness Techniques and Meditation

When you take the time to relax and focus on your breathing, it helps break up negative thought patterns. For example, when people are stressed, they tend to breathe very quickly, which only increases anxiety levels, so taking a moment between tasks or whenever you feel overwhelmed is essential for breaking bad habits. By practicing mindfulness techniques like meditation (i.e., focusing solely on what’s happening right then and there) will also help you stop overthinking things that aren’t necessarily true; try writing down all of these thoughts before bedtime because by morning, most likely, many of them won’t make sense any longer!

Find an Alternative Activity to Replace Bad Habits With

If you can’t seem to stop biting your nails, try painting them instead! This is just one example of how to find an alternative activity that will keep your hands busy and not in your mouth. If you’re a smoker, consider vaping or using nicotine patches as this will help with the cravings; the same goes for drinking too much coffee; try swapping it out for green tea, which still has caffeine but also comes with health benefits like improved brain function and weight loss. Lastly, if you spend too much time on social media and negatively impact other areas of your life, delete the apps from your phone or computer altogether.

Keep Track of Your Progress

One of the best ways to stay on track is to make an actual list that you can refer back to whenever you feel tempted to give up. Start small by setting one or two goals at a time, then work your way around them until they are all replaced with good habits. It’s better to take it slow and steady rather than rushing through everything at once. This typically only leads people to quit halfway through because their motivation has run out, but if you gradually make these changes, there will be no need for extreme overhauls! In addition, don’t be afraid to reward yourself for a job well done if you’ve been going strong with your new good habits for at least three months!

Bad habits can be hard to break, but with a bit of perseverance and these helpful tips, you can do it! Replace them with healthy ones that will make you feel better in the long run. Don’t forget to keep track of your progress, so you stay motivated along the way. Cheers to good health!

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