Omaha insurance agent and philanthropist, suggests the following to ensure financial health for the coming year and beyond:

• Develop a budget and stick to it. Start by making two columns, one for expenses and one for income, and add them together. Whether you earn as much as you spend or not, see where you can cut corners, like luxury items, pay off debt, and build savings.

• Add line items to your budget, such as taxes, savings, college funds, and vacations

• Add financial goals to your daily calendar, like paying off student loans by a certain time. Consider paying off the largest balances first and try transferring any outstanding balances to accounts with lower interest rates

• Constantly review bank and credit card records to make sure transactions are accurate and see where you can cut spending

• Pay credit card bills in full, cut off cards you don’t need, and try to use cash whenever possible

• Take advantage of programs through work, like discounts on phones, computers, and fitness memberships.

• When you shop, buy in bulk, clip coupons, look for sales, compare prices, buy generic or store brand, and stick to your shopping list.

• At home, use a programmable thermostat, test the air system for holes that need repair, and ditch the house phone and bundle your cell phone plan into a family plan.

• Take care of your car’s engine and tires to save on gasoline and repair

• See if there are any additional expenses you can eliminate, like ditching cable and switching to Netflix or Hulu for a small monthly fee. Some subscriptions like Amazon Prime already come with TV and video included.

Some of these tips may seem like big changes, however once you start making these changes and see results, they will become daily/monthly habits. practicing the

Through hard work, dedication, and passionate and professional attention to customer needs, Manley and his small team at his Farmers Insurance agency in Omaha, Nebraska, have grown the agency into the largest Farmers Insurance agency of the state. Her agency is also the second largest in the entire Farmers Insurance region.

Manley’s service to the community includes support for Siena/Francis House, Restoration Exchange, Homeward Bound Animal Rescue, Ronald McDonald House, and The Stephen Center.

Give him a call at (402) 391-1656 and he will be happy to answer any questions you may have.

In earlier days, people used to prefer bulky light tracks. These days, the trend has changed. Now, people do not prefer bulky and unattractive lighting tracks. They are ready to buy only elegant and ultra modern track lighting. These are available in various shapes, finishes, and sizes. These are very functional. It is the best way to beautify work rooms, kitchens, game rooms and any other space that requires localized lighting.

Modern track lighting is much different than it was in the early 1970s and 1980s. Track lights today are available in a wide variety of shapes and sizes. Here is an explanation on the latest development that is available in track lighting.

a) Curved track:

Modern track lighting is available in the ‘S’ shaped section. You can even find it in crescent-shaped sections. These forms are very flexible. Now, you don’t have to restrict yourself to the same old boring straight line shape.

b) Small sections:

Track lighting is available in smaller sections, these days. You can get these in four feet long. Traditional eight-foot lengths are also available.

c) Suspended tracks:

Modern track lighting has come along with the latest developments in track lighting. These are available as tracks that are suspended from a central box.

d) Color changes:

Traditional track lighting was only available in boring white, black and chrome shades and heads. However, modern track lighting is widely available in bright colors like yellow, red, and blue and green. These are great for the kitchen or any bright craft room.

e) Energy efficiency:

Modern track lighting has brand new low voltage halogen lamps and heads that you can easily swap out for your existing heads. All the latest accessories available are more cost and energy efficient to use. There are several places where you can find this type of lighting. You can search for the best of track lighting in the following places.

f) Home improvement retailers:

You can find modern track lights at most retailers that deal with home improvement services. The best part is that most of these track lights are attractively priced.

g) Online retailers:

When it comes to finding what you want on the World Wide Web, it has it all. Modern track lighting is widely available in extensive varieties at online home improvement retailers. Most of these retailers offer free ground shipping.

h) Specialized lighting stores:

These are the best places to find modern track lights and in a wide variety too. You can go through the wide selection of track lights that they have and shop for the one that best suits your needs.

i) eBay:

This is one of the best places to buy modern track lights because most of the lighting retailers have set up shop on eBay. It’s a great place to find the best items at affordable prices.

Modern track lighting installation is easy. However, you should keep in mind that you should buy all the parts from the same manufacturers, as the parts may not be interchangeable.

So what is a valet box?

A men’s jewelry box may sound like a girly product, but it’s actually a sophisticated and luxurious jewelry box that men have used for years. Called valet boxes, these boxes are nothing like your grandma’s jewelry box. Valet boxes for men are masculine in their appearance and utility. Typically made from high-quality woods and leather, these boxes function as “storage everything” for wallets, keys, rings, loose change, and other everyday items men carry on a daily basis.

Typically placed on nightstands or dressers, valet boxes come in all different shapes, sizes, and levels of elegance. Some are made by hand with top quality woods such as mahogany or maple. Others are elementary boxes where function is the top concern. In any case, valet boxes for men are very stylish cases that men use to store their daily accessories and are a more sophisticated solution to throwing keys, loose change and rings in a drawer or in an unused ashtray.

Perfect Occasions for Men’s Valet Boxes

Valet boxes for men are the perfect gift for many occasions. College graduation, for example, is one event where a valet box would make a perfect gift. College graduation is an event that symbolizes the transition from student life to the “real world.” Presenting a graduate with a valet box also means a similar transition; from the not-so-organized college student to the astute businessman. A valet box is also a nice alternative to the Father’s Day tie.

For the rest of the article, check out Men’s Valet Boxes and Information

At first

Many people think that the game of billiards started in the middle ages. Billiards was originally played outdoors on grass. It evolved from a croquet-like lawn game played in Northern Europe. People started playing indoors and used a green surface to give the feeling of grass. A border was placed around the edges to contain the game. The players used a “mace”, which was a large wooden staff with a large head on one end. This instrument was used to push, instead of hitting the ball. Almost all of our data relating to early billiards comes from accounts of gaming by royalty and other nobles, yet there is information that people from all parts of society enjoyed the game from its inception. By 1600 the sport was so common that Shakespeare discussed it in Antony and Cleopatra.

The times they Are a changing

The current pool cue that you play pool with these days has gradually evolved from an instrument that was much more like a golf club. The need for change arose when the players found their ball against the side of the rail. The massive butt end of the club would not allow the player to hit the ball squarely, so they would use the narrow tail end of the club to hit the ball. The term “cue” is derived from “queue”, the French word for queue. Continued use of this style of shooting led to the footless cue we use today.

pool cues today

Billiard cues were made in two sections at the beginning of the 19th century. The top of a pool cue is described as the shaft, while the bottom section is known as the butt. Most pool cue shafts are made from Canadian maple, while other types are made from holly or ash. Some pool cue manufacturers have chosen to wrap their shafts in graphite or fiberglass. The cue shaft is normally completed with a spike. Every year new ideas come to the market for the construction of the tip. It is usually designed with various types of leather and amalgamated substances. The tips vary in densities from soft to hard. Cues aren’t always meant to be played with, some are strictly collectible and can command values ​​in the tens of thousands of dollars for the material they’re made from and their excellent workmanship. No doubt modern technologies will continue to drive the efficiency and evolution of billiard cues in the future.

Hiking is one of the most popular pastimes in the world; however, what do you need to be a hiker? Well, a steep slope is a good start, but what about your clothes? You want to be comfortable and protected while you’re on the trail. What kind of clothes should a hiker wear, let’s take a look and find out.

If you go hiking regularly, you should not limit yourself to just one outfit, the weather should have a key influence on the style of clothing you should wear. A great tip for all hikers would be to layer clothing, which is essentially layers of clothing, this way you can always change clothes quickly and easily, which in turn allows for maximum comfort. If you want to avoid feeling clammy and clammy through perspiration, using polyester microfiber as your base layer is recommended.

Another key component in your hiking clothing decision should be the length. You don’t want to leave any exposed skin (other than the face) as this could lead to burns, scrapes, bites, or chafing of the skin. So if the day is hot, wear something long that has breathable materials, so you can stay safe but cool.

Waterproof clothing is also extremely useful, even if you don’t wear it to begin with. My recommendation would be a waterproof cagoule, which is lightweight, easy to carry, and easy to kit out, but also does an effective job of braving the rain.

Let’s not forget the shoes! To decide on the best footwear, you must answer the question: where am I going? If you are going to be trekking through rocky terrain then durable footwear should be your main concern, however if you are trekking through the woods then you can opt for something lighter. Make sure your shoes are always comfortable no matter the environment, due to the amount of time you’ll be walking. Socks are also extremely valuable, there are socks that reduce friction, however walking, wearing two pairs of socks can be just as effective.

When it comes to head protection, it’s always a good idea to wear a hat to prevent sunburn or to protect yourself from the rain. It’s also a good idea to wear high UV protection sunglasses, as the sun can be a plague when it comes to navigating rougher terrain.

If you walk in the snow, then your clothes should be very different from this. Polyester clothing is essential as it does not retain perspiration, which in cold conditions can become chilly and dangerous. Your clothing should also be windproof and waterproof. However, layering clothing is essential as you don’t know how cold it’s going to get, therefore wearing too much clothing is much better than not having enough.

As many hikers will know, there are a variety of stores that offer specialty hiking clothing, and you should always look for the items listed above, as these will be the most suitable items to ensure you have a pleasant experience. .

The ranger is the only class in Guild Wars 2 that contains the ability to possess a companion. These companions can range from cute-looking animals to ferocious beasts, capable of attacking on cue. With eleven distinctive animal families to choose from, locating the best animal for the highest DPS is a matter of choosing the right ranger pets. Although it should be noted that each player has their preferences when choosing the right pet. Some players may choose the pet based on its cosmetic appearance, while others will choose the correct pet (in their legitimate opinion) based on its stats.

Naturally, the best damage dealer is the Ranger once the correct ability rotations are implemented. Although keep in mind that the Ranger can become a viable warrior, however, don’t expect the Ranger to hit enemies like a Guardian. Lightly armored for maximum flexibility, the Ranger class requires a helping leg, wing, or tail.

Listed below are the potential candidates that can possibly contain the highest DPS rate:

Hyena: This fearsome canine is said to unleash some of the highest DPS in the game. According to several players, the hyena has the ability to summon its own companion into battle using an ability called, howl of the pack. With the second hyena in play, both canines unleash attacks on your target. Using the F2 button, the hyena charges at the enemy dealing considerable damage, which is one of the main strengths of this canine.

Lynx: One of the animals of the cat family. The argument goes that the lynx possesses an equally high DPS rate, but without a graph to measure the damage, the double hyenas continue to pack a punch. However, keep in mind that the Lynx is capable of firmly biting down on the enemy and causing them to bleed with abilities like Maul and Rendering Pounce. In speculation, the lynx contains a high-precision attribute that makes this feline always lock on targets.

Eagle: Attacking from the air, the eagle is capable of unleashing devastating attacks with high crits and extra bleed damage. The eagle’s unique primary ability is Slashing Slash.

Depending on which type players are most comfortable with, there are a number of pets that players can insert into slot machines. When it comes down to it, it depends solely on the Ranger’s build and how to effectively use his pets in combat. By reading a beginner’s guide online, like this one, new players can get a better idea of ​​what to expect when playing the ranger class.

As a class, the finch birds are omnivores, animals whose normal diet includes both plants and animals. In the case of finches, their primary diet in the wild consists of plant seeds, mostly grasses, supplemented by insect larvae, as well as some flying and crawling adult insects. Not only are they omnivorous, but they are also omnivorous, gluttonous, and voracious eaters. Each adult finch will consume half to three quarters of its body weight every day to stay healthy and happy.

Like domesticated birds, their diet does not change. However, the overall quality of the diet must be regulated by us as owners, since finches cannot regulate it on their own. As a general rule, the diets of captive finches consist mainly of seeds supplemented with animal protein mainly in the form of insect larvae.

However, feeding your birds a mixture of small seeds does not provide your finch birds with a balanced diet. That is why commercial finch seed mixes are almost always supplemented with vitamin and mineral pellets. Feeding your birds a commercially prepared seed mix is ​​a good start to providing them with a healthy and nutritious diet. But it’s not enough to really make your finches happy.

Supplements to a finch’s diet include a number of different foods.

• Green leafy vegetables: Fresh baby spinach, green lettuce (avoiding the iceberg) cut into bite-size pieces is a treat for your birds. Put some in their cage in the morning and remove any that haven’t been eaten by mid-afternoon.
• fresh sprouts: Available at most supermarkets, fresh sprouts make a wonderful treat for your finch birds. Larger sprouts, such as bean sprouts, should be avoided as they are too large for your finch to eat properly. Like leafy greens, sprouts should be offered in the morning and, if any remain, removed by mid-afternoon.
• Millet twigs: Dried millet sprigs can be found at any pet store. These treats hang from twig clips that attach to the top of the cage. Your finches will go crazy over this deliciousness. Because it’s high in sugar and oils, your birds treat it like a candy bar.
• insect larva: Finches thrive on insect protein. In captivity, one of the best sources of insect protein is mealworms. These treats quickly disappear every time you introduce them into your finch’s cage. Purchased live from your pet store, they stay mostly dormant in the refrigerator until you’re ready to feed them to your birds. You can also buy dried mealworms, however if your finches are picky eaters they won’t reach for the dried variety as easily.

A completely balanced finch bird diet consists of seeds, vitamin and mineral supplements, green leafy vegetables, fresh sprouts, millet, and live insect larvae. Feed all of this to your finches and they will be happy, healthy birds that will live 15-20 years in your care.

Do you want to download your PS3 games from the Internet? No longer will you have to walk to your local game store only to pay ridiculous amounts of money for a game you might not even enjoy playing? Now it is possible to download the latest PS3 games online anytime you want!

But when downloading games from the Internet it is easy to get confused. There are so many sites to choose from and many of them are scams. So where should you download from? And which sites should you avoid? There are a few simple rules you can follow that will ensure you find a great site to download all your PS3 games.

First of all, although it’s tempting to download games from torrent sites (file sharing sites), it’s best to avoid them. The files on these sites are not regulated and can often contain viruses and spyware that even antivirus software cannot detect. It’s better to join a paid site (which should only charge a small one-time fee) and have access to their database of games for life. These databases are always updated and therefore have all the latest games ready for you to download.

Next, you need to choose a site that has all forms of media available for download, not just PS3 games. The best sites will have music, movies, and TV shows, as well as games for all consoles (Xbox 360, Nintendo Wii, and PS3), so check this out before you join.

Finally, make sure the site offers customer support in case you have any problems or questions you need answered (the best sites offer 24/7 customer support) and that the site also has a money back guarantee in case you are really not satisfied with the quality of their service.

Douglas McVicars and his partner Dianne White, who have just opened their fifth link in a chain of bakeries and pastry shops in Antigua, have turned out to have the right thing when it comes to making a living out of French bread and sandwiches. Doug, a former Home Depot executive in Toronto, and Dianne, a recent graduate architect, moved to Antigua in mid-2003.

Doug started working part-time for Franciane in January 2004 and was soon offered the manager’s position with profit sharing, full benefits and incentives, including stock in the business. Today Franciane’s sells around 300,000 sandwiches a year; this on an island with a population of just over 70,000. The business has now expanded to five stores in total with plans to open franchises on other Caribbean islands, including St. Lucia, St. Kitts & Nevis, and Dominica in the next year or two. Dianne, using her training as an architect, designed the latest store. It was designed to serve as a prototype for the planned expansion.

Doug says he had to make a major change in the direction Franciane was taking after he took office. He felt the former manager was targeting the wrong clientele; expats, tourists, yachts. So the first thing he did after taking over was to make it a local place, targeting the locals. He bought more products on the island, while the former manager had imported a lot from France. He made drastic changes to the menu. Tuna, crab, turkey, roast beef, and local saltfish replaced pate and Brie. This made for more substantial sandwiches, which were well received by the local population.

They have had competition from a new Subway franchise that opened six months ago, but it hasn’t affected their sales. Doug says it’s because they’re so expensive and they sell items for $20 that Franciane’s has for $10. There was an expected loss of some customers, but others who were happy to see a shorter line at Franciane’s quickly replaced them.

Antigua also has its traditional types of breads, which are heavier and often loaded with canned butter, pork sausage, and cheese.

“That was one of my first experiences when I first came here,” says Doug. “Dianne took me to Brownie’s (bakery).”

“Yes,” Dianne remembers. “She brought you a sandwich with sausage and cheese.”

“It was different,” adds Doug, “but it was nice, very heavy. But don’t get me wrong, you can’t eat our sandwiches every day either.”

Quite a few customers might disagree. Franciane’s staff know regulars who eat the same sandwich every day or mix and match the fillings, yet arrive at roughly the same time every day.

Diana says. “They seem to like it, and what we try to do is provide them with the correct fillings that they want. Like salt fish and red herring. We’ll also bring the local cheese, because not everyone likes cheddar and Swiss. They seem to be very attached to cheese can. So we’re still trying to add to the menu.”

Antiguans were already familiar with French bread because there was previously a Swiss bakery located in a popular tourist section of the island along with another French bakery in the capital, St. John’s.

Slowing down the pace of life in Toronto has been a welcome change for the couple. Doug and Dianne didn’t even realize how much their pace had changed, until a recent trip through Miami, when they were pacing to catch a flight, being beaten and glared at by Americans trying to get to the plane. “After things like that,” Dianne says, “you just start to remember why you left. Everyone (there) moves like every moment of the day counts. When you’re here for two years, you don’t realize how much you’ve slowed down.” really”.

Doug says he’s happy with the clothes and other items he can buy on the island. Dianne might have a few more gripes, as like most women, she tends to crave a bit more variety in terms of shopping. However, she is content to take a flight to Puerto Rico whenever the need arises. Many locals do the same.

They have adjusted to the schedules of the island’s supermarkets in terms of the availability of fresh produce, which disappears quickly on weekends. Doug remembers the shocked reaction of some international medical school students who frequent one of Franciane’s outlets when they were told there was no lettuce for their sandwiches. “They were like, ‘What do you mean you don’t have lettuce?'” he recalls. “And I asked them, well, how did you get here? And they told me: ‘By plane’. And I said, ok, do you see a road that leads from here to Miami?

“The acquisition on the island is not as easy as it seems,” he says. “There are some difficult times of the year, like November, when hotels reopen, and we may fall short.” They have learned how to develop connections with local wholesalers, who will warn them of expected shortages ahead of time. The couple used to import a 20 ft. container of authentic French bread and pastries once every three months, but the popularity of the business has now shifted to one container every 28 days.

Many people have expressed skepticism that a fairly young company has diversified so quickly, but Doug says Franciane’s shows no signs of slowing down and is, in fact, planning at least two other stores, including one inside the airport.

And are you happy with your decision to migrate to the Caribbean? Give Doug the last word:

“I always said that I would go to live in the Caribbean when I was in my early 40s,” he says. “And I said, you know what, if you never do it, you never will. A good friend of mine in Toronto said, ‘You’re coming back. But I could go to another island, I don’t know what I’ll do, but I like it here. I really like it”.