3 Ecofriendly Cat Litter Products For Pet Owners


The top 3 ecofriendly cat litter products are not that hard to find if you know where to look. Shopping online or in local stores are good ways to get what you need. Shop around after you check out this advice on this matter.

1. Wood shavings are a good option. You can find these at pet stores because companies do make this kind of litter for cats. Just know what you are buying and make sure that it’s not anything that wasn’t made for a cat because some wood shavings are from trees that may not be good for your pet to be around.

2. Litter made with wheat crops in it can be a fantastic addition to your home. There are natural enzymes in wheat that make it kill off odors and it’s a renewable resource. You can find different options but you should go for the litter that is known to be organic and free of genetically modified crops just to be safe.

3. Finally, you can make litter out of a number of things in your home. Do you have some dirt from your yard that isn’t full of chemicals or anything that could hurt your cat? An outdoor cat would enjoy using a mound of dirt for their bathroom, but you have to make sure you clean it. Sawdust from a project can help too, but keep in mind that some options are not as good as others at keeping smells out of your home so it takes some testing.

Being an ecofriendly pet owner is not that hard these days. Just know where to order good clumping cat litter products and make sure that they are actually good for the environment and not just products that have good marketing that make them sound good.

Top 3 Fitness Tips to Speed Up Weight Loss


The implementation of a solid and regular exercise routine helps in speeding up weight loss. Although nutrition plays a larger role in weight loss, exercise is also considered important to keep the body in perfect, lean shape as you shed those unwanted pounds.

Here are fitness turbochargers that will help you realize your dreams of a slimmer and leaner physique!

  • Run to the gym

If you are set to exercise in the morning, you can start burning calories on your way to the gym. Instead of taking your car, why not set on foot and run instead? If your fitness center is a good 10 to 15-minute walk from your place, it is recommended to kickstart your morning with a jog or a run. Running will not only warm up your body for more rigorous training at the gym, but it will also help you in burning an extra 300 calories! You can lose up 9 pounds in 12 months by making running to your gym a daily habit.

  • Sprint training

To speed up weight loss, you need to further increase your speed when doing cardio. Go all-out sprints for one full minute followed by 2 minutes worth of rest through walking. By including sprint training as part of your exercise routine at least twice a week, you are bound to lose 2 pounds in 12 months.

  • Run outdoors

Running outdoors has been proven to cause more rapid weight loss than doing cardio on a treadmill indoors. Running outdoors burn 10% more calories than when running on a treadmill. If you walk at least 60 minutes, five times weekly you are bound to lose 2 pounds in 12 months (and keep a healthy hair using Apex Hair Vitality while you’re losing weight).

Here’s How to Choose a Tow Trucking Service in Phoenix


Motorists will experience mechanical breakdown and accidents at some point in time. And when these unfortunate incidents develop, a tow trucking service is of utmost priority. But don’t just call the first tow truck company near you! It’s always best to be prepared in unfortunate situations. If you are a vehicle owner, it then becomes imperative to do your homework.

There are many benefits to obtaining professional tow trucking service in Phoenix. Here are some of them:

  • Affordable tow trucking services

There are many unregistered tow truck companies in Phoenix that charge high rates to clients (you can search online for towing service near you using keywords “towing near me“). Some fly-by-night companies will be unclear of the rates when they are asked for quotes by potential clients only to surprise them later with unreasonable rates. A professional and licensed tow trucking company will have a set menu of services and fixed prices for all the services they offer.

An accurate quote is strong indication that you are dealing with a legit tow trucking service company.  Unregistered companies will always lure you with a cheap initial quote only to charge you more once they’re done delivering the service to clients.

  • No hard selling

This is one major feature of legal tow trucking companies in Phoenix. A company should not be too hard on selling their services to prospective clients. It’s a red flag if the company forces you to agree on a deal without having them explain all the terms and conditions for their service.

  • Other motor-related services

A reliable towing service has the ability and manpower to offer other services to clients. It most cases, towing is not the only service that a potential client requires whenever they call of help. Some basic services that a towing service should offer is help to jump start a vehicle, or provide tire repair services among many others.

Here are Tips for Organizing Storage Units


Once you have finally discovered a storage facility that meets both your needs and budget, the next step is mapping out how to move and organize your valuables in your chosen storage unit/storage units.

Here are some quick tips that you should follow in order for you to neatly arrange your storage unit!

  • Clean your chosen storage unit. Delray Storage companies may not necessarily clean the unit according to your liking. It is then important for you to clean it up. This is especially true if you are storing artwork, documents, and articles of clothing for a long period of time.
  • if you are going to store furniture and appliances in the unit, it may best for you to add a few sheets of plastic or paper on the floor for extra protection. You may also have to cover furniture or have them wrapped to avoid the accumulation of dust and dirt over time.
  • Install the biggest and bulkiest items first. It’s easier to organize things if you have bigger items loaded first so it becomes easy to place smaller items in available spaces.
  • If you stored items in boxes, make sure that the heaviest and sturdiest boxes are at the bottom. They will serve as strong base for little boxes.
  • Make sure to leave enough space to walk on in the case that you need to retrieve items from your unit.
  • The items that you feel will be accessed more frequently should be placed at the entrance of the unit. In this way, you save time.
  • Label all your boxes or containers so it’s easier to access items.
  • Make a mental note of the layout of items in your unit. Although you may have labeled most of them, it’s always best to make sure you have everything listed on paper. This will result in better inventory during visits.

Here are Pointers when Looking for the Right Real Estate Agency for Buyers, Sellers, and Investors


Finding the best luxury real estate agency Miami will highly depend on your needs. There are real estate agents that specialize in selling high-end condos and homes, whilst there are those who focus their attention in helping clients to sell their properties. Whatever your need may be, here are pointers that will help you find one that perfectly suits your situation!

  • For Luxury Real Estate Buyers in Miami

It is of utmost importance that your agent understands your taste in real estate properties. If you live in LA or overseas, but would like to buy a Miami Beach real estate or a high-end condo in Miami, your agent should have a well-curated list of properties in the city before you actually visit for inspection. Real estate agents should prepare beforehand, and should have the initiative to prepare the things you need even before you ask for them.

  • For Luxury Real Estate Sellers in Miami

Luxury real estate agents will be preparing to present materials that showcase your luxury home or condo. Luxury real estate agencies in Miami most often gave their own set of marketing teams, tools, and strategies when selling homes. Make sure that an agency or real estate professional is familiar with your neighborhood and knows how to present it in a way that is specific to the taste and preferences of potential buyers. Although your main target audience is people coming from the upper class, selling is still a tricky and complicated process.

Whether you are a seller or buyer, look for an agent with strong sales track record, one that has made a mark in the real estate market in Miami (including Condos in Miami). A great real estate agent also features the ability to smartly screen potential buyers, and keeping information of clients private and safe at all times.

Let’s Talk About The Most Common Arizona Mortgage Types


When you are looking to purchase a house of your own you need to consider a few things. You may be eligible to get approved of a home loan in Arizona given an impressive household income (yes, there’s a few things to be considered before getting arizona home loans), but in order to secure a roof under your heads for many years to come, it is important to understand all aspects of a home loan.

A fat paycheck will not guarantee that you can keep your home until it matures. Yes, you may have the ability to pay the monthly mortgage payments, but you also have to consider the upfront costs attached to closing a mortgage deal.

Make sure you have enough cash in your savings bank to pay the down payment upfront. A percentage of the total amount of a home will need to paid off before closing. Down payment will be dependent on the agreement you have made with your bank or mortgage agency. There are banks that require homeowners to pay at least 15% of the total loan amount as down payment.

Homeowners are also given the option of paying more than the average 15% to make the monthly payments more affordable. In essence, the bigger your down payment is, the more affordable your monthly payment becomes.

The most common types of mortgage in Arizona

  • 30-year fixed mortgage

In this type of home loan, the monthly payments need to be paid within a period of 30 years. The principal and the interest rates are added and then divided over 3 decades to come up with monthly payment amount. Additional charges such as processing fees and insurance may be added to these variables. Late fees are usually assessed on accounts. It is imperative to make payments on time to reduce the risk of defaulting on your payments.

  • 15-year fixed mortgage

The interest rate is known to be lower if you opt to make payments over a period of 15 years. This is comparatively shorter than the traditional 30-year fixed rate home loan, but the monthly payments are doubled. One great benefit to opting for a 15-year mortgage is that even though you are paying more, the interest rates go down faster through the years. As a result, the monthly mortgage payments become more affordable for homeowners over time.

Drunk Driving Accident- The Things to Do When Filing a Personal Injury Claim

Firefighter rescuing car accident victim

One of the most common form of auto-related accident as a result of negligence by a third party is drunk driving or driving under the influence of alcohol or other illegal substances. When you are a victim of such an accident, you need to file a personal injury claim for just compensation to you and the damages done to your personal property (better get the best personal injury lawyer).

  • Take photos

Visual evidence in the form of photos is one of the strongest evidence that you can bring with you to court. If you are able or have sustained minor injuries, you should at least take a few snaps of the accident, your injuries, and the damages that your personal property have sustained. If you are able to record a video of the scene of accident immediately after, this is recommended as well.

  • Proof that the third party is under the influence of alcohol or drugs

As a drunk driving incident is considered a serious offense, it may be a good idea to have the authorities assess your situation and determine which party was under the influence of alcohol or illegal drugs. Make sure to double check or verify that the report of the police officers is accurate to the accident to make sure that you are not implicated as the responsible or negligent party.

  • Obtain the services of a personal injury lawyer

In the case of a road-traffic accident involving an intoxicated third party, victims should seek representation from a legal professional focusing on personal injury law. Personal injury lawyers have years of expertise in defending the case of victims and negotiating acceptable compensation on the behalf of victims. He will be facilitating all communications between involved parties and make sure you have a strong case once your personal injury claim is filed in court.

The Top 3 Benefits of Student Loan Refinancing

stencil.blog-post-feature (2)

One of the best gifts that you can give yourself is to lessen your financial worries so you can move on up to saving for the future. Graduation is an unforgettable moment in the lives of many college students. It’s a time when everybody is optimistic for the road ahead. What await us after graduation are job opportunities and a chance to prove our worth as individuals. But one hurdle that graduates need to overcome are student loans that were obtained to finance their college education.

If you are one of the millions of Americans who are still struggling to repay student debts, we encourage you to sign up for debt refinancing instead. When you refinance your student loan, a new lender will pay back the remaining balance on your student loan and will reissue a new loan featuring a lower repayment scheme.

Student loan refinancing is considered by experts to be more beneficial than debt consolidation; yet another option of loan repayment. Here are reasons why:

  • A more efficient bill payment process

Refinancing through debt consolidation allows borrowers to streamline the process of paying for financial obligations. With refinancing, you do not have to make payments at multiple due dates, one which most often very confusing.

  • Extending the term of the student loan

If you are currently having a hard time in paying off your student loans or if you are expecting a change in income or expenses, you will absolutely benefit from refinancing your student debt. By stretching the life of your student loan, you will effectively make the monthly payment amounts substantially lower when compared alongside the original student debt monthly payment.

  • Successfully reduce your interest rates

This is undoubtedly the main reason why a lot of people are actually refinancing their student debt. Since almost all student loans feature incredibly high interest rates, your main goal is to lower it down to reasonable levels. By refinancing, you can effectively do this to private student loans but not on federal loans. If you have started with no credit history or an average credit score, you will want to look at refinancing. Once your credit status has improved since you applied for a loan, you will be entitled to reduction of interest rates. Your monthly payment will decrease significantly and you gain the chance to pay off the loan at a faster rate as well.

Car Insurance Quotes That Are Meaningful

stencil.blog-post-feature (1)

It is fairly easy for just about anybody to get some car insurance quotes from any auto insurance company website. All you have to do is go to the site, type in your information and find our what your rate will be.

Most of us don’t really think much about going to the website of our car insurance company, unless we just received notice from our insurance company that our rates are going up. Then suddenly, we become very interested. It will depend of course on how much the rates increase, because if they go up just a little bit, it is not so much that it matters. However, if the rates increase a lot, we spring into action.

It must be kept in mind that just because you get a certain rate on your car insurance company’s website, does not necessarily mean that is what your premium will be.

There are several factors that go into the makeup of insurance rates, not the least of which is your driving record. If you have had several tickets since the last time you applied for your car insurance, you can just about guarantee yourself that your current company is going to hike your rates big time. If that is the case, it is likely that everyone will be charging you more.

Other factors such as where you live, what kind of vehicle are you currently driving, do you use your car for work, or just for family use, and several other modifying factors will affect the rates of the policy.

One of the best strategies, if you really want to get to the bottom of things, is to locate an independent broker who is licensed with several car insurance companies and set an appointment to speak with him or her. Now, you won’t be talking to many of the name companies, because most of them are company shops. However, once you meet with the broker you will be surprised at the number of companies that will become available to you that are just as viable as the ‘name’ companies, and some of them may be easier to deal with too.

Offer to take the broker to lunch, and that way you can interview him or her for the job of becoming your auto insurance broker. He or she will be working for you, so you have the right to ‘interview’ your prospective broker. You will learn a lot, probably the most important thing being that car insurance rates change all the time, even when you are a perfect driver. In most cases it has nothing at all to do with you. They raise rates because they can.

What your broker can do for you is keep tabs on your insurance rates, and he or she will take care of shopping for the best plan and rates whenever it is appropriate, and you won’t have to worry at all about it. That works out a whole lot better for you and that is how it should be (for sure, you’ll end up getting the best auto insurance).

My Parents Will Not Be Around Forever


The other day was my mom’s birthday and it has me thinking. There are only so many more of these she will have and she needs to get prepared for this. While she thinks of herself as a young 59, it will only be a matter of time before she is retired and getting older by the moment. My dad is 61, so he is in the same boat. I am going to talk to them about getting life insurance policies. They have a very limited income, so I can cover the premiums if they need me to (been checking life insurance sites like lifeshieldhq.com).

This is a complicated conversation to have with your parents, especially since it seems like you are planning for their demise, but I think that it is very important to be prepared in case anything happens. I know many people who dawdled around and did not worry about that until it was far too late. By that time, they were going around getting second mortgages and other loans in an effort to cover the expenses of burying one of their loved ones. I do not want my family to end up having to go through that.