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10 tips for staying safe and warm during a winter storm 10 tips for staying safe and warm during a winter storm


Staying Safe and Warm During Winter Storms

Winter storms are an ever-present reminder of the power of nature. Here are 10 tips for keeping your family safe and warm during a winter storm.



Winter storms are an ever-present reminder of the power of nature. With winds powerful enough to uproot trees and freeze sheets of ice across roads, these seasonal events create chaos and destruction in their wake. In places that are unaccustomed to snowfall, winter storms can shut down entire cities as people brace themselves for the worst. 

Here are some tips for staying safe and warm during winter storms

  1. Stay informed: Keep track of the weather forecast and any alerts or warnings issued by local authorities.
  2. Create an emergency kit: Make sure you have enough food, water, and other supplies to last at least three days. Include a flashlight, battery-powered radio, extra batteries, first aid kit, warm clothing, blankets, and any necessary medications.
  3. Check smoke detectors: Make sure your home is equipped with working smoke and carbon monoxide detectors to alert of danger if necessary.
  4. Keep devices charged: Have your cell phone and battery-powered mobile devices charged in case of a power outage.
  5. Stay warm: 
    1. Keep your home heated to at least 68 degrees Fahrenheit and wear warm clothing, including a hat, gloves, and a scarf.
    2. Dress in layers: Wear several layers of loose-fitting, warm clothing to trap heat and keep you warm. Make sure to cover your head, hands, and feet, as these areas are prone to losing heat.
    3. Close off unoccupied rooms: To conserve heat, close off any rooms that you are not using and block off drafts around doors and windows.
    4. Use blankets and draft stoppers: Keep blankets and draft stoppers handy to cover windows and doors to keep out cold air.
    5. Stay active: Engaging in physical activity, such as walking or doing light exercises, can help raise your body temperature and keep you warm.
    6. Drink warm beverages: Sipping on hot tea, cocoa, or soup can help warm you up from the inside out. Avoid alcohol, as it can actually lower your body temperature.
    7. Use a space heater: If you have a space heater, use it to warm up small, enclosed spaces. Follow the manufacturer’s instructions and never leave a space heater unattended.
  6. Stay hydrated: Drink plenty of fluids, especially water, to stay hydrated. Avoid alcohol and caffeine, as they can increase dehydration.
  7. Stay inside: If possible, stay inside during a winter storm. If you must go outside, dress in layers and cover exposed skin to protect against frostbite.
  8. Stay on the lookout for signs of hypothermia: These can include shivering, exhaustion, confusion, fumbling hands, memory loss, slurred speech, and drowsiness. If you or someone you know exhibits these symptoms, seek medical attention immediately.
  9. Keep your car fueled up: If you must travel during a winter storm, make sure your vehicle is fully fueled.
  10. Keep your car stocked: keep your car stocked with blankets, food, water, a flashlight, and other emergency supplies. Let someone know your route and expected arrival time.
  11. Vehicle carbon monoxide: A common issue that can be fatal is getting stuck in a snowstorm with your car, and sitting there with your engine running as the snow builds and blocks the exhaust which eventually fills the inside of the care with carbon monoxide. Have a shovel handy to keep snow from building or a tube like a dryer vent accordion tube and duct tape that is compact, but can be used to vent away from the car.


It is essential to stay informed, be prepared and take the necessary safety precautions when facing a winter storm. By following these tips, you can ensure that you will stay safe and warm during any winter storm that may come your way.

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Extraordinary Health Benefits of Mushrooms

Discover the many health benefits of mushrooms that are a natural and effective way to improve your well-being.




Mushroom health benefits

Discover the many benefits of mushrooms for your health! From reducing symptoms of depression and anxiety with magic mushrooms to improving cognitive function with Lion’s Mane, mushrooms are a natural and effective way to support your well-being. Learn about the different types of mushrooms and their specific health benefits, including immune-boosting properties, anti-inflammatory effects, and cancer-fighting potential. With their high levels of Vitamin D, antioxidants, and other nutrients, mushrooms are an essential addition to any diet. 


Here are the top 10 Mushrooms that provide health benefits

  1. Psilocybin mushrooms (magic mushrooms) have been studied for their potential to reduce symptoms of depression and anxiety.
  2. Lion’s mane mushrooms have been shown to have neuroprotective properties, which may help to improve cognitive function and memory.
  3. Reishi mushrooms have been used in traditional medicine to help with stress and fatigue.
  4. Turkey tail mushrooms have been found to have immune-boosting properties and may help to fight cancer.
  5. Shiitake mushrooms are high in Vitamin D and may help to improve bone health.
  6. Maitake mushrooms have been found to have anti-inflammatory properties and may help to lower blood sugar levels.
  7. Chaga mushrooms have been used in traditional medicine to help with various health issues including cancer, diabetes, and heart disease.
  8. Agaricus blazei mushrooms have been found to have anti-tumor properties and may help to boost the immune system.
  9. Cordyceps mushrooms have been used in traditional medicine to help improve energy, stamina and athletic performance.
  10. Oyster mushrooms are high in antioxidants, which may help to reduce the risk of chronic diseases such as heart disease and cancer.

It’s important to note that these benefits are based on research studies and more research is needed to confirm these findings. Moreover, It’s also important to consult with a healthcare professional before consuming mushrooms as they may interact with certain medications and can have side effects.

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12 Tips for Working from Home

Working from home can be a wonderful way to get ahead in your career while keeping an excellent work/life balance. Here are twelve tips for working from home without burning-out.



12 tips to working from home without burnout

Working from home can be a wonderful way to get ahead in your career while keeping an excellent work/life balance. However, it can also be a challenge to find the right job and stay on top of your work. Here are twelve tips for working from home without burning-out from my experience of over ten years as a remote Customer Services Manager, Tech Services Trainer, and Human Resources Professional.

Tip 1:

Start by finding the right job. Working from home is not for everyone, so make sure you find a job that is a good fit for your skillset and personality. There are many job boards dedicated to remote work, so start your search there.

Tip 2:

Set up a dedicated workspace. Working from home can be distracting, so it is important to set up a dedicated workspace where you can focus on your work. This might mean setting up a home office or creating a dedicated space in your living room.

Tip 3:

Set clear boundaries with family and friends. It can be difficult to support a work/life balance when you are working from home, so it is important to set clear boundaries with your family and friends. Let them know when you are working and when you are available to socialize.

Tip 4:

Stay organized. Working from home can be chaotic, so it is important to stay organized. Use a planner or calendar to keep track of your tasks and deadlines and create a daily routine that you can stick to.

Tip 5:

Take breaks. Working from home can be taxing, both mentally and physically. Make sure to take breaks throughout the day, even if it is just for a few minutes. Go for a walk, stretch, or meditate to clear your mind and recharge.

Tip 6:

You would get dressed for work. Working from home does not mean you have to sacrifice your personal style. Getting dressed for work each day can help you feel more professional and put you in the right mindset to be productive.

Tip 7:

Set a daily schedule. One of the benefits of working from home is that you can create your own schedule. But it is still important to set a daily routine and stick to it as much as possible. This will help keep you on track and prevent burnout.

Tip 8:

Avoid multitasking. When you are working from home, it is tempting to try and do several things at once. But this can make you less productive and increase your stress levels. When you are working on a task, give it your full attention and resist the urge to multi-task.

Tip 9:

 Take advantage of technology. There are many tools and technologies available that can help you be more productive when working from home. Use project management software to keep track of your tasks and take advantage of video conferencing for team meetings or client calls.

Tip 10:

Connect with other remote workers. Working from home can be isolating, so it is important to connect with other remote workers. Join online communities or in-person meetups and take advantage of networking opportunities.

Tip 11:

Be available for yourself. Working from home can be demanding, so make sure to schedule some time for yourself each day. Whether it is reading, taking a yoga class, or going for a walk, take some time to relax and recharge.

Tip 12:

Seek professional help if needed. Working from home can be difficult, and it is not uncommon to feel overwhelmed at times. If you are struggling to manage your work and life balance, seek out professional help from a therapist or counselor. Working from home does not have to be a struggle, with the right tools and mindset you can be successful.

Do you have any tips for working from home? Share them in the comments below!

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Why Do Credit Bureaus Exist Anyway?

Credit bureaus have a direct impact on your quality of life. Do you know how and why? Learn about a new proposal to get rid of the credit bureaus.



Why Do Credit Bureaus Exist?

It’s 2021 and as the saying goes, “The more things change the more they stay the same.” If you’re old enough to remember the 1990s, beyond the bad hairstyles and crappy internet service, you would remember the constant TV ads promoting the American Express, Visa, MasterCard, and Discovery credit cards. You practically saw them on every channel 24/7 with all the lifestyle glitz and glamour that came with the ownership of each respective card.

What was not included in the commercial hype was how much these credit cards would affect the underlying system that would directly impact the quality of your life for decades to come–your credit score calculated by the top 3 credit reporting bureaus: Equifax (NYSE: EFX), Experian PLC (OTC: EXPGY) and TransUnion (NYSE: TRU).

What are Credit Bureaus you might ask? 

A credit bureau, also known in the U.S. as a “credit reporting company” or “credit reporting agency,” is a private organization (not a government department) that collects and researches individual credit information and sells it for a fee to creditors, so they can make decisions on granting loans. 

Their primary purpose is to ensure that creditors have the information they need to make lending decisions. Typical clients for a credit bureau include banks, mortgage lenders, credit card issuers, and other personal financial lending companies.


What’s a Credit Score?

Credit bureaus acquire their information from data providers, which can be creditors, debtors, debt collection agencies, vendors, or offices with public records (court records, for example, are publicly available). Credit bureaus then use a range of methodologies to calculate a person’s credit score based on this credit history.

The most common credit scoring system in the U.S. is called the FICO scores, created by the Fair Isaac Corporation in 1989 and ranges from 300 to 850 (A good FICO score, for example, is considered to be one in the 670 to 719 range). There are at least 19 commonly used FICO scores, and each is calculated differently with an eye toward different types of clients, allowing credit issuers to choose the type of credit score that best fits their inquiry. Credit bureaus then add the credit score to the information they’ve accumulated and issue a comprehensive credit report, which provides credit issuers with information that helps them determine credit approval and appropriate interest rates for borrowers. An individual with a higher credit score will likely have a lower interest rate on a loan.

Experian Credit Score Range

How your credit score is calculated

Tip: You are entitled to one free credit report every 12 months from each bureau, but you may have to pay to see your credit score.


How Credit Bureaus control your life?

While credit bureaus don’t make lending decisions, they are very powerful institutions in finance, and the information contained in their respective reports can have a substantial impact on an individual’s financial future. 

Please keep in mind these are private companies that use your data to generate a report that is sold to other companies, banks, and credit lenders. All too often, these reports contain inaccurate information that can negatively impact your score.

Tip: You can get your credit report fixed if it contains inaccurate or incomplete information:

  • Contact both the credit reporting agency and the company that provided the information to the CRA.
  • Tell the CRA, in writing, what information you believe is inaccurate. Keep a copy of all correspondence.

Tip: If you have a problem with credit reporting, you can file a complaint with the Consumer Financial Protection Bureau (CFPB)

Having a low credit score (less than 630) from any of the 3 main credit bureaus can limit your ability to purchase a house or car, rent an apartment, acquire low-interest credit cards and/or loans, and even land a good-paying job. 

The proposition to end Credit Bureaus

In 2019 a paper was written and published by a think tank group named Demos proposing to replace our failed for-profit credit reporting system with a public credit registry that will benefit consumers and reduce racial wealth inequality. 

Demos proposes establishing a public credit registry housed in the Consumer Financial Protection Bureau. This publicly run credit registry will gradually replace the current for-profit corporate system and is designed to be responsive to consumer needs and equity concerns rather than the corporate bottom line. A public credit registry will develop algorithms that diminish the impact of past discrimination, deliver transparent credit scoring, provide greater data security and offer a publicly accountable way to resolve disputes. The use of credit information for non-lending purposes, such as employment, housing, and insurance, will be curtailed.


Fast forward to 2021, and the Biden Administration may be seeking ways to shut down credit bureaus over time and implement Demos’ proposal as a means to improve people’s access to credit and standardized calculations.

Here’s a great video explaining how this proposal would work and what it’ll mean for you.

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