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Junk Removal

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Have you been looking around and wanting to get rid of some stuff? Perhaps you are unsure of where to start. It can feel overwhelming when you know there is a lot you need to get rid of. When you have a cleaner home you are able to do so much more. You will feel more organized which will help you in all aspects of your life.

That is why we are here to explain exactly what you should be keeping, what you should be selling (perhaps), and what you should be tossing and using junk hauling to get rid of. Keep reading to learn more.

Start by walking around everything
The first step is to start walking around your home. Are there large items that stand out to you that you really don’t even think about. You know that they will for sure not work and that it’s time you get rid of them. You can then make the choice if they are going in the sell pile or the junk hauling pile. Remember, it’s always a great idea to get a couple of dollars for something, but if you don’t really think it will end up selling or selling very quickly, it may just be a better idea to toss it.

So, the first thing that you will do is take 1 hour and slowly walk through your home. If nothing stands out to you that’s okay, it will end up being a short walk around. There may be multiple things right away that you can clear out which will immediately free up space and make you feel better already.

Start with easy rooms
The next step is to head over to some rooms that are easier. Some rooms that you know you may only need to clear out a couple of things. A lot of times this is the kitchen or the bathrooms. Since a lot of extra things are not stored in these places they won’t take as long. This will result in you feeling more accomplished and excited about everything you have done.

Commit to doing it one time per week or commit an entire weekend
We also want to note how you will go about throwing things away. Some people are different. Some people want to commit an entire weekly to simply going through everything in their home so that it is done and they don’t have to think about it again for a long time. Some people can’t commit a full weekend from their schedule. If this is the case, we recommend committing one or two hours each Saturday morning (or choose a specific time) and always cleaning up and going through things at the same time each week. Eventually, you will have it all completely.

Once you make the decision to get rid of it, don’t go back
It’s important to remember that once you have made a decision, you shouldn’t go back and relook at it. This is true of things you have tossed already. You tossed it for a reason. If you have not used it or worn it in the past year, it’s time to get rid of it. If you have two of something, it’s time to sell or toss that extra one. These are the things that will allow you to have a clutter-free home and one that you are utilizing everything in it.

It’s time to go through round 2
Once you have gone through everything and made piles, it’s time to go through it all again. We know, you just did that! But you will be surprised how much you get rid of the second time around, especially when your brain has had time to truly think if you will ever use it again. In many cases, people get rid of more the second round than they do the first! That is why we always recommend going through everything again.

Feel proud of yourself
You did it! It’s time to feel proud of yourself and give yourself a big pat on the back for going through everything so well. You will end up feeling a lot more accomplished and know that if you need something, you will be able to find it a lot easier. It also is great feeling to know that everything in your home is there for a reason. Whether it’s because that’s one of your favorite jackets and you wear it all the time, whether it’s a pan you cook with almost daily, or because it’s a picture you love hanging on the wall. Everything you own has a place and you suddenly feel a lot better about it all.

As you can see, there are a lot of steps to ensure you get rid of everything that you possibly can. Whether it was a gift you received and you simply have not found when you can use it or it is something you thought would be handy around your home and it turns out it is not. This is all completely normal. Remember the great outcome you will end up having when you feel organized and clutter-free once you have finished. Good luck and have fun.

Buying Weed Online In Canada

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The world is changing. There are both good and bad changes. Also, there are many different ways to look at many of the changes. What some people feel is a good change, others feel is a terrible one. One change that has met both love and hate at its inception, is the decision by many parts of the world to legalize recreational marijuana. This plant often referred to as weed or cannabis, is a naturally occurring plant and can be found in a multitude of places. People all over the world have used his plant for medicinal purposes, as well as recreational purposes for many years. Because recreational use gives the user a “high” and can cause side effects such as impaired thinking and hallucinations, it was made illegal in most parts of the world. Over time, strides have been made to remove the psychoactive properties so that the plant can still be used for medicinal purposes. Slowly, the plant starting becoming legal again, but only in a form that did not supply the psychoactive effects. More and more people started and signed petitions to legalize recreational use of the plant, in its full form. While many areas are still fighting this, many others are beginning to fully legalize the use of weed. One such part of the world is Canada. On October 17, 2018, Cannabis officially became legal in the entire country. Of course, there are still rules that must be followed, but generally speaking, the herb is widely available. Several dispensaries opened in different parts of the country once the official word was given that it was now legal. Now, the problem that most people face is being able to go to a dispensary to purchase the weed. This is where the internet comes in quite handy. Here, you will find information on how to buy weed online in Canada.

First, it is important to note that all laws, rules, and regulations must still be followed when making a purchase of this nature online. This means that age requirements must be met. The legal age to purchase marijuana in Canada is 19 years of age, except for in Alberta and Quebec where it is 18 years of age. Some youngsters think that they may be able to bypass the system if the order online, but rest assured, it will not work. Also, regardless of whether you make your purchase in person or online, you will still not be able to take it outside of the country, this is prohibited. Any and all other laws regarding the purchase, use, and possession of weed still apply. The only thing that changed is that you can now legally purchase and use the weed so long as you are obeying all other rules.

Once you are ready to search for a place to buy online, you will need to begin by making a few decisions. The first decision you need to make is how much you intend to purchase. Some places only sell in certain amounts and others offer many options, but only a certain amount will work for you. Price is often a big consideration when making these decisions. Sometimes price dictates how much a person wants to buy and sometimes, price dictates which place a person decides to buy from. Also, if you do not know how much you want to spend, it is a good idea to take the time a decision on a budget for you to use to avoid overspending. Obviously, you are not going to find a company offering their product for free; however, some places will have cheaper prices than others. It is an inevitability. Also, some places may be offering a special or a one day only sale that you can take advantage of. This is one of the reasons it is so important to take your time and do your research before deciding where to buy. You are not limited by what is close to you when order online, so that is not something you need to be concerned about when making a choice. If you do not know what to expect when ordering online, it is best to just in and start looking at websites. Here is a website to get you started, https://www.high-key.ca/.

Your next step is to take to your favorite search engine and see what is currently available. All you need to do is input a few keywords and you will be presented with all of your options. This is where some people struggle, wondering which keywords will give them the most results. There are a few tips that you can follow to get the best results. Although, it is important to remember that, if you do not get everything perfect on the first try, all you have to do is alter a couple of words and try again. Do not worry if you have to perform two three, even four searches before you find exactly what you are looking for. Think of it as a trial and error period. There is no perfect way to perform an internet search, all you can do is look until you find what you need. With that being said, there are a few things you can do to ensure better results. First, keep it simple. It is almost always best to keep your search terms simple. Over specifying can lead to a vast drop in results. Keep it direct and to the point. In this particular instance, you would want to use the term “dispensary” along with one of the many words used to describe this particular product. You can use weed, marijuana, or cannabis and if the first one you try does not give you the results you want, try another. Also, there are dispensaries in several parts of the world, so it is a good idea to include “Canada” in the keywords. This way, the search engine will know to focus only on dispensaries located inside the borders of Canada. From there, all you have to do is choose from which dispensary to make your purchase.

How to Save Money

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Have you ever wondered how some people have a lot more money? Yes, they may have a higher paying job but the reality is they may be using some strategies in order to save their money correctly. Today, we are going to go over those strategies with you and talk about how to save money. Keep reading as AGM Finance explain these money saving tips to you.

Eat in more
The first tip we have is to eat in more. It may seem like something small, but if you are eating out for all of your meals, eating in a couple of times per week will make a huge difference. For example, if you eat out 7 nights per week, start by cooking a couple of meals at home each week. That still means the majority of the nights you are eating out, but that small difference will start to add up. If you only eat out a couple of times per week right now, try narrowing it down to one time per week. That will still make a difference, especially in the long run. You can even learn to cook some simple and easy food that tastes great.

Look at your statements every month
The next tip we have is very important. It’s a good idea to look at your bank statements every single month. Where is your spending going? What could you be cutting in order to save more money? This will allow you to not beat yourself up from that month, but to see where you could make improvements going into the following month. Sometimes when we know we will see it on a statement will even prevent you from making certain purchases throughout the month.

Have a goal and game plan
It’s so important to have a game plan not only for the upcoming month but in the long term. What is your goal? How much will allow you to retire? How much will allow you to save for that home? If you are unsure, this is a great time to speak with a trustworthy bank and come up with a game plan so that you know exactly what your goals are. You can even write them out and leave them on your fridge.

Speak with a financial advisor
Just as we just said, you can speak with a financial advisor. They may even be able to make recommendations that you had not thought of before. A financial advisor is not there to criticize you. Many people feel as though they may be judged when speaking with a financial advisor. The thing about a financial advisor though is that they have your best interests at heart. If you fall down, they want to help you get back up. They want to develop a game plan that you and they both believe is attainable and can be stuck to.

Participate in lower cost activities
What are your weekend activities like? Do you end up spending a lot of money? Perhaps a lot more money than you were planning on doing? If you like to do more expensive activities on the weekend, choose just one of the weeknights. The other night you can still do something fun with friends, but try and stay in. This will really help to cut costs. This is especially true if you are in saving mode and really trying for a huge goal. For example, a lot of people spend a lot more money when they are out drinking. If you are trying to put a down payment on a house or any specific goal, perhaps you could cut down on drinking for a couple of months. The bills will not only be as large because you won’t be drinking but they will be smaller because smaller bills won’t be coming in too.

Coupon cut
The final tip we have is to do little things like coupon cut. This may seem silly and unnecessary, but it really will go a long way. Suddenly you will be saving a couple of dollars here and there which can add up when you are doing it every single week. Perhaps you suddenly will purchase that item for dinner because it is on sale. That means that you are saving money on the evening from the coupons but also from the new item you are going to purchase.

Invest your money
You probably have a friend or family member that has talked to you about investing your money. Perhaps because they have made a lot of money in the stock market. These are great people to network with so that you can pick their brain. A financial advisor or a bank could also help you in answering questions about your money. They also can help you with how to invest your money. If you are interested in investing your money, going online and looking and watching YouTube videos and Podcasts is a great place to start. From there, go in with a list of questions and start asking!

As you can see, there are many different ways to save money. The important thing to remember is to come up with a plan. This plan will help you understand what you need to do in order to achieve that amount. It’s always a great idea to speak with a financial advisor so that they can better assist you too. Follow these tips and you will be on your way to saving money in no time.

What to Look For in Yoga Clothes

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Let’s be honest, yoga clothes are amazing. They are comfortable, you look cute in them, you can wear them almost anywhere, and they are in style. What could be better? It is always a good reminder to understand what to look for in yoga clothes. The fashion trends in yoga can change from time to time and that is why we are here to tell you what’s hot and what’s not right now. Keep reading to learn more.

Look at what is flattering on you
Leggings are more comfortable and you are more confident in them when they are flattering on you. Depending on your specific body type will depend on what is flattering. Make sure you try some on before making your final decision. Some of the factors that will make a specific pair of leggings flattering on you are the length, the color, the areas where they are tighter, the type of waistband they have, and more. Since different people carry their weight in different areas means that what looks amazing on one person may not look as good on another.

Leggings are in
Let’s face it, leggings are in. We are not complaining since they are cute and comfortable. There are two types in particular that are in style. This is the 7/8th length as well as a full length. Cropped length right below the knee used to be in style but is not as common anymore. Leggings can be a variety of different colors as well as styles too. The most popular length is a full length with a high waistband. This means that the waistband sits right around your belly button. A seamless waistband is also very in style these days too.

Bright colors
Bright colors are in style right now. Of course, more neutral colors and pastels are in style, but bright is also great. You can pair a bright green legging with a more neutral white tank top. This looks cute together and doesn’t clash. The same could go for neutral black leggings with a fun and bright shirt. Mix it up and have fun with the colors.

Animal print
You may be thinking, am I wearing a print to the gym? Yes and no. As far as the material, it will still be a yoga material. The print itself could be a snake print, a cheetah print, the results are endless. You could again wear it with more neutral other pieces of clothing. You could wear a fun snake colored leggings that are not even necessarily the normal color of snack color with a black yoga jacket. This is very in style.

Matching sets
Have you seen people wearing matching sets recently? This typically revolves around a pack of jogging pants or leggings with a tank top or crop top that matches it. They both are the same fun print and go great together. You can always break up either of the prints in the future with a more tamed down other items, but it can be fun to have full matching sets of yoga clothes in your wardrobe too. It makes it fun and easy to know what to pair together that will match.

Cropped shirts
You have probably seen cropped shirts everywhere these days. They can be a cropped tank top, a cropped long-sleeved shirt, or even a cropped jacket. The range or the crop can vary too. The most common is just showing about an inch of skin so it is a longer crop. There are some options though that go a lot higher, especially if it’s more of an athleisure type instead of a full workout. These can go around the length of your sports bra underneath.

Athleisure yoga clothes
As we said earlier, yoga clothes can be worn almost any time of the day. Sometimes though, you don’t want to look like you just came from the gym. There are cute workout clothes that are better and more functional for everyday use. This look is called athleisure and it is very popular right now.

As you can see, there are a lot of great yoga clothes that you can be wearing for many different occasions. Make sure that you take these things into consideration when you are choosing what kind of yoga clothes you want to purchase next. For more advice on yoga clothes for your body type as well as what is trending right now, give us a call today. We look forward to hearing from you.

Stock Market Investing: A Primer In Buying Options

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Are you trying to make better choices for your finances? Perhaps you are looking to save up for your retirement or perhaps you are looking to put a down payment on your home. Another great reason to save up is so that you can put some money into the stock market. This is one of the questions that our experts get asked about a lot and that is why we are here. Regardless of your reasoning, saving your money can actually be a lot easier than you may have realized. Keep reading as we answer questions like how to buy options and how to better your finances.

Eat in more
Have you noticed that eating out can be very expensive? I’m sure you have. Between the meal, getting a drink, adding the tip, all of the taxes, it can end up becoming a lot more expensive than you are realizing. If you are someone that eats all of their meals out, start by eating in a couple of times per week. You can still go out and enjoy, but decrease the amount by a couple each week. Even from this, you will start to notice a big difference. If you are someone that eats out 2 times per week, try and limit it to once per week or every other week. This will still allow you to go and treat yourself but you will be saving money in the process.

Try to participate in less expensive activities
Some activities in life cost more and less money. When you are thinking about upcoming activities that you would like to do and you are saving money or trying to, try choosing some cheaper activities to do. Another way to think about this is if you do something expensive both weeknights. Instead, you could try a regular activity one of the nights of the week and you could do a less expensive activity the other one. You could always do a movie night in one of the nights or just invite friends over for coffee.

Keep track monthly
A great tip and something that will keep you on track is to look into your finances on a monthly basis. This means that you should look at your bank records and think about what made that month a good or a bad month. You can create a game plan for the upcoming month of how you could better from the month before. This will keep you in check and help you visually see what you are doing right and wrong.

Have a goal
One of the best things to do is to have a goal when it comes to saving money. Whether that goal is there because you want to be able to save a certain amount for the stock market or so that you can save a specific number, having a goal will not only help to keep you motivated but it will help to reach for something. You can always talk with a financial advisor about what that goal could be to ensure it stays realistic.

Utilize banking cards that have perks
Is your bank giving you any perks for certain debit or credit cards? If not, you may want to either ask them or switch banks. Some banks will automatically give you a small internet rate, or zero transaction fees, or other small perks. If your bank ends up costing you money and you do have some savings money in the account, it may be time to look for a new bank.

Be mindful of your spending
The final tip we want to share is simply being mindful with your spending. When you have it in the bank of your mind that you want to save more it can cause you to make better habits. On top of that, if you are thinking about it when you are at the store you may suddenly realize you really don’t need that specific thing after all. It’s always a great thing to keep in the back of your brain.

As you can see, there are so many different ways to better your finances. You can start slow and soon you will realize you are saving a lot more money which can assist you in investments in order to better reach your goals. For more information on investing or saving for investing, give us a call today. We look forward to hearing from you.