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Life is about much more than surviving. When you work hard you have to reward yourself for all of your troubles every now and then so you can stay motivated and positive. Life is after all about having fun because if you don’t enjoy living then what are you living for? A great way to spoil yourself after a tough year of hard work is by getting yourself a fantastic new golf chart so you can enjoy more golfing sessions a lot more comfortably. Golf carts are now becoming more popular than ever before because you can now get yourself a golf cart that suits your unique style and need by customizing your chart any way you like.
Get a customized golf chart
Recreation Sports Carts (RSC) is a golf cart company like you have never seen before. This unique cart company allows you to choose and shape your golf cart any way you like. The costs of such a chart depend on the modifications you want but these custom golf carts are worth every bit extra cash you spend because you will be able to enjoy golfing so much more.
Customize any way you like
You can recreate your golf cart any way you like because RSC allows you to customize the carts body, seats, roof, dashboard, enclosures, lights and color.
Color customization – Choose from sixteen different colors for the chart body as well as for the chart seats so you can be as flashy as possible when cruising around on the greens.
Body Customization – If you have a specific idea in mind then RSC can help you make that idea real. You can get a body wrap done on your cart so your chart will be branded or simply styled up. You can also modify your chart body in different ways such as for a retro car look or more.
Seat Customization – For seats you can choose between various colors and styles like Extreme, Clubhouse, Tropical or Fanatic.
Customized roof – Add a roof rack or simply go for a different colored roof
Dashboard customization – Customize your dash to suit your chart color
Enclosures – Cover your chart with different enclosures to suit your golfing needs
Lights – Opt for brighter and more modern energy saving lights like LED and get much more from your battery life.
Added extras – You can choose to add different extras such as extra seats or a carrier o the chart.
Golf carts have much more functionality than you think
Don’t you like golf? Well that’s no problem either because golf harts can be used for much more than golf. Thanks to customization, golf charts are now popularly in use at holiday destinations, reservations, parks, retirement villages, farms and even at airports because the golf charts are small, energy efficient and they can be customized to suit certain needs such as hunting, baggage carrying, passenger hauling and more. You don’t have to be a golfer to spoil yourself with a fantastic and all new custom golf
Do you think that you need to pick flights and everything will all be sorted out? This is not true at all. You have to search for a cheap flight first and then plan your vacation afterwards. People commonly do this because flights are usually expensive. If you can get cheap flights, then you will have more money to spend on your accommodations and the other things that you need to be comfortable during your trip.
There was a time when searching for cheap flights can be complicated because there were not a lot of airlines that were offering promos yet but as more and more airlines are introduced to the market and they all have to compete with each other, they started offering flights in discounted rates.
If you want to book to New Zealand and you do not want to spend a lot of money, there are some things you can do to be updated with the various promo flights being offered by various airlines such as the following:
Follow the social media accounts of the different airlines.
You need to be updated whenever they post details about their promo flights. The seats are available on a first come, first serve basis so if you miss the chance, you would not get any flight at all. Usually, the special sales are launched during holidays and other occasions so you will have time to be in front of your computer or to check your smartphone for alerts. Learn more about booking flights easily when you check this out.
Do not book big batches.
Even if you are going to travel by 10’s, you are not required to book everyone all at the same time. When you try to book a large group of people, you will probably get the Sold Out sign. You will only miss out on the promo flight. Book yourself along with another person and once you are done, book again. Chances are, you will still be able to book you and the rest of the people you will be traveling with in one flight.
Book the moment that the seat sale is on.
You may think that you can still wait one more day before you start booking your flight but this is not recommended. There is a big chance that there will not be any seats available in the next few days or so. Remember that most airlines offer their seats in the wee hours of the morning so be prepared to stay up until such time that you have successfully booked your flight.
Choose the right destination.
Look at all the promos and discounts. Are there some places that are not booked too often because they are not too popular? You have a bigger chance of getting a discount on the time and date that you want to fly because not too many people have booked yet.
Remember that even if the seats are inexpensive, there are still other taxes that you have to pay for when you get
When the weather is good, there is not much going to beat the experience and fun times that you will have with friends and family grilling outside. It is a complete change from your day to day cooking and is something that can bring people closer together. Once you are armed with the best of outdoor grills, equipment and food, you will have no problem creating an experience that will be remembered for a long time to come. It doesn’t even matter if you have little to no experience withcooking; grilling is as simple as it comes once you keep a few of the basics to the forefront of your mind. If you want to take it to the next level and create an amazingly succulent meal, there are a few easy yet useful tricks to do just that with minimal of effort.
Even the smallest of tweaks and additions can create an entirely different meal and add tons of flavour to it. Here is some advice to keep in mind throughout the process and that will help to have the best meal of the year.
When cooking chicken
When you arelooking to grill chicken, you should always choose to cook chicken thighs. These parts retain a huge amount of flavour, which will run a lot deeper than the usual breast meat. When it comes to chickenand poultry in general, the darker the meat is the better. This type of meat is better suited to hotter conditions and will stay moister for longer. To make the meal healthier and not as high in fat, you should remove the skin form the chicken, but make sure to leave it on the bone.
A great way to spice up the chicken is to add a nice spice rub on it. When grilling the chicken, you should place it over indirect heat. This will allow it to cook slower, meaning that it will cook thoroughly without burning and retaining as much moisture and flavour as possible. You don’t want the glaze to scorch and burn, which is even more likely if it contains sugar. For the last five minutes you can place it over the direct heat source tofinish it off. This will add a bit of tasting light charring to it and will also help the glaze to caramelise.
Grilling a vegetable salad
Whether you simply want a nice healthy option to accompany the meat you are grilling, or maybe you or one of your friendsor family is vegetarian, you should also grill some salad. Always choose a wide variety of vegetables with a lot of different colours and textures to ensure that it is an exciting and flavoursome dish. Avocado is a great thing to grill as there will be a lot of smokiness that embeds right into the fruit. You do need to pay a lot more attention when grilling vegetables and salad as different parts of it will cook quicker than
This is one quality that most payday moneylenders will brag about the no faxing payday loans. In addition to the fact that you are spared the inconvenience of searching for a fax machine and one that works legitimately, you likewise no more need to haul your archives around with you, all over the place you go. With no fax payday loans, you can get cash by basically filling an online application structure with insignificant points of interest.
What is a payday loan?
It is a kind of short term borrowing where an individual gets a specified amount of money at a high rate of interest. The borrower commonly composes a post-dated individual check in the sum they wish to obtain in addition to a charge in return for money. The loan specialist clutches the check and gets the money for it on the settled upon date, for the most part the borrower's next payday. These credits are additionally called loan advances or check advance advances. If you need any payday loan help, there are numerous websites that offer complete details about it.
Here is some more data identified with different types of payday loans:
One Hour Payday Loan
The one hour payday loan has been made a blessing from heaven with the coming of the online payday banks that have made it less demanding to apply for such loans over a brief time frame. You can really get a loan inside of the range of 60 minutes. You should simply fill in an online structure and after that ensure that the points of interest presented by you are right. Handling your loan is made less demanding if the points of interest presented by you are exact to the center. Once the organization has confirmed your points of interest, you will get the cash in your ledger. The no faxing payday loan is a less demanding alternative when contrasted with the dangers of faxing huge amounts of records from a fax shop.
Instant Online Payday Loan
The instant online payday loan is an extremely lucky thing for the individuals who required cash. It should not be made into a general undertaking as it will just prompt an exhaustion of your investment funds. So on the off chance that you are experiencing a money related emergency, you require not sit tight for the bank to favor your loan to work out your hazardous matter. You require not stress over your financial record and score and can simply ahead and apply for a payday loan. Also, the no faxing choice makes the whole payday loan procedure is significantly less tedious.
The trade loan out your bank will be at risk to be paid back with your next pay check. These loans are a costly issue and you may wind up paying back a great deal more than you can bear. In this way, it is truly essential that you read the fine print before focusing on taking the loan. Most loan specialists who offer lower
Times are changing with postal services around the world thanks to people's reliance on smart phones and email.
New Zealand recently agreed to cut its mail delivery to three days a week in urban areas and five days a week in rural areas, since they're more reliant on mail, by 2015. Normally, mail is delivered six days a week.
The New Zealand Post fought for the change since it currently barely breaks even. If the normal delivery schedule continue, the service would be put it in the red, according to the Telegraph.
During the last 10 years, the amount of mail sent has dropped by a quarter and it's expected to continue rapidly dropping. The nation continues to lose another eight per cent each year, the communications minister told the Telegraph.
Anyone looking for daily mail deliveries can sign up for a premium courier-type service, but it will be interesting to see how businesses and newspapers adjust to this change.
Meanwhile, Canada Post looks like it is in a boat that is steadily sinking. The Crown Corporation saw a $104-million loss in Q2 of this year and it expects a huge loss in 2013. As if that was not enough, they are expected to face a yearly loss of $1 billion by 2020, according to a report produced by the Conference Board of Canada.
It's important to point out that its letter delivery dropped by 51 million pieces since Q2 of 2012, while parcel packages have grown thanks to more online shopping. Unfortunately, the letters, otherwise known as transaction mail, which includes bills and statements, account for 50 percent of the company's revenue. Tough times are ahead, especially with companies pushing paperless billing.
At least there is some hope for Canada Post's parcel delivery. Canada Post recently announced a partnership with Walmart, Best Buy and Indigo to try same-day delivery. Anyone who orders items by midday can expect to receive it in the evening. A pilot program is being tested in Toronto.
Some of the cost-cutting options floated around include getting rid of door-to-door delivery mail in urban areas, which is available to one-third of Canadians, which could cut the bleeding by about half, the Conference Board told the CBC. Canada Post is also looking into consolidating mail processing, implementing new technology for sorting and shortening hours at slower retail locations.
While residential owners might not mind a shift in the number of deliveries a week, apparently it will be a bigger issue for small business owners who are more reliant on the regular postal service.
But let's face it, drops in mail service are being felt around the world. The U.S. Postal Service planned to cut Saturday mail service, but it faced resistance, while Britain recently privatized its mail service, Royal Mail. Who knows if other countries' mail services will follow New Zealand's route.
Would you mindless frequent mail
If you read the headlines, just about every urban boomer is leaving the suburbs behind and moving into condos or lofts in a trendy downtown area.
Yet there's little evidence that most Canadians are actually that open to the idea of moving into a smaller residence as they grow older.
A majority of Canadians aged 50 and over – 83 percent – said staying in their own homes and paying for home care is the most appealing option for them, according to Royal Bank research.
Even then, while the majority of us want to ''age-in-place'', this doesn't necessarily mean that we expect to stay in the same house. Most people are attached less to a particular pile of bricks and mortar than to a local area – to a network of friends, services and familiar places.
Among those who were already retired, a decision to move out of their home was most often due to a change in their health – 66 per cent – rather than to cash in on their home equity or get closer to restaurants.
Remaining in familiar surroundings – in a home of their own, in their current neighbourhood and close to family and friends – is definitely how Canadian Boomers wish to live when future health changes occur,” says RBC head of retirement and aging strategies Amalia Costa.
Then there's the emotional pain of scaling back. Many empty nesters find they lack the stomach or stamina to dismantle their lives. They'd rather hang on. They struggle with sorting through all those boxes in the basement or dread listening to adult children who want to keep the house where they grew up.And isn't always the financial bonanza they expect. With fewer square feet to heat, low and pay property taxes on, many downsizers assume they'll slash their monthly expenses. But unless you're willing to move to a part of the country with a lower cost of living, the savings may prove fairly modest.Do you plan on downsizing in the future or have you already made the move? How are things working out so
Enough about flu season – it’s time to stop sniffling and start seriously thinking about RRSP season.
The deadline date for making contributions to the Registered Retirement Savings Plan for the 2012 taxation year is just around the corner on March 1.
An RRSP is a plan that helps you save for retirement while offering you some other great tax benefits. For instance, deductible RRSP contributions can reduce the amount you owe on your income tax or even give you a bigger refund (depending on your income). And, as long as the funds remain in the plan they are exempt from tax as it grows.
You don’t have to make one annual lump sum to contribute to an RRSP either. RRSPs can be made easier to carry through monthly payments that suit your budget needs. However, if you are considering making a lump sum contribution before the March 1 deadline but don’t have the on-hand cash, another option is to talk to your financial advisor about an RRSP loan.
There is a maximum amount you can contribute to an RRSP based on your income and how much you previously contributed. You can contribute 18 per cent of your previous year’s income, up to a maximum of $23,820 in 2013. But keep in mind, if you didn’t contribute the maximum in previous years your deduction limit will be higher. Also, if you contribute to a workplace pension plan your deduction limit will be lower.You can set up a RRSP through your financial institution such as a bank, credit union, trust company or insurance company. You may also want to consider setting up a spousal or common-law partner RRSP. The bonus to this plan is that if the higher-income spouse or common-law partner contributes to the RRSP for the lower- income spouse/common-law partner then the contributor gets the short-term benefit of the tax deduction while the spouse or common-law partner receives the income and reports it on his or her income tax return.
While we’re on the topic of income tax, the deadline for personal income tax is April 30, 2013 while those who are self-employed have until June 15 unless there is a balance owed and then the deadline is April 30, 2013.
As with everything in life, make sure you do your research and find out more about Registered Retirement Savings Plans and the benefits.
Click on the Canada Revenue Agency link for some helpful information on RRSPs.
Will you be considering contributing to an RRSP this
If you’re like me it isn’t always easy trying to save money.
It seems whenever I put a little money away into a savings account or a secret stash at home some unexpected expense always seems to arise. Car repairs, home repairs and uncovered medical expenses can pop up at any time. Begrudgingly, I am forced to dig into what little savings I have or choose to add onto my already pumped up credit cards.
But I am optimistic. According to a new report from BMO Bank of Montreal, Canadians are planning to save on average about $9,859 this year. That’s an increase of $600 over the previous year.
And how do they intend to save? Well, the majority are using a Registered Retirement Savings Plan (RRSP), 63 per cent; chequing account, 57 per cent; Tax Free Savings Account (TFSA), 49 per cent; high-interest savings account, 29 per cent; and Guaranteed Investment Certificates (GICs), 25 per cent.
Ernie Johannson, Senior Vice President, Personal Banking, BMO, says it’s encouraging to see Canadians increasing their savings this year. While it's important to pay down debt - particularly high-interest debt - it's essential that households build themselves a financial cushion as well, whether it be for retirement or other goals.
And just what are Canadians saving for? Well, the report, conducted by Pollara, indicates the majority are saving for vacations and for purchasing luxury items, entertainment and hobbies. Retirement and emergency savings tied for second spot.
Other top things Canadians are saving for include home renovations (29 per cent); new vehicle (20 per cent); education (19 per cent); and a new home (15 per cent).
The report also found that men plan on saving a little bit more than their counterparts by hoping to stash away $11,631 compared to the ladies with $8,091.
And by province it appears that Albertans plan on saving the most with $18,035; followed by British Columbia, $11,109; Ontario, $10,465; Manitoba and Saskatchewan, $9702; Atlantic provinces, $6,698; and Quebec, $5,477.
It’s always nice to be able to put a little away for a rainy day however, the study found that only half of Canadians polled feel they are saving enough to meet their goals.
Some of the barriers to increased savings include high expenses (71 per cent); low income (65 per cent); and debt repayment (52 per cent). Now I can relate to that!
Check out the full report here.Will you be saving money this