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Everything You Need to Know About Buying a Boat

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When buying a boat there are several things you should consider. Like buying a car you need to know your budget, your needs, and your preferences. Some states also require that you have a boat safety education certificate or even a license. For larger boats, it’s better to have certification regardless of whether you legally need one or not, simply because knowing how to your boat works and how you can fix it while you are out on open water is imperative for safety.

Looking to buy a boat for the first time? Follow this comprehensive guide to get you started.

What the Boat is For

Before you can narrow down your choice of boats, you should first know and choose what you want the boat for. Do you want it to fish? Do you want to race along coastlines? Is it for inshore, offshore, or both? Do you just want a pleasure boat that you can go out for a few hours, or do you want one that you can comfortably spend a day in?

What you want the boat for will typically correlate with what is around you. For instance, if the body of water around you is a lake, you don’t need to have a boathouse or a boat that has an indoor area. If you live near a large river or an open body of river like the ocean, you have the option to cruise much further.

Similarly, you could look for larger vessels. Yachts, sailboats, and other vessels that can take you across the ocean act as a second home. When crossing an ocean is your goal, you will want a captain’s license. While you don’t need a license to captain a yacht, your insurance company might not insure you unless you have qualifications or have a qualified person on the vessel.

Essentially, if your goal with your boat is to cross large bodies of water, you will need to be qualified. Unlike with smaller boats, where the driving and mechanics are straightforward, boats meant to cross waters have many systems that need to be maintained. They can break when you are out on the water, and unless you have knowledge and the know-how on how to fix it, you will be stranded. There are water-filtering systems, septic systems, heating and cooling systems, GPS systems, and more.

When you are crossing a large body of water, being qualified isn’t about meeting state or federal standards, it’s about survival.

Who Will Be Using It?

This determines how large a boat you need. Will it just be you? Will it be you and a friend? Your entire family? Whatever kind of boat you want, you need to think about the logistics and safety. You don’t want it to be crowded, and you certainly want to make sure that everyone can fit.

This is particularly important when you want your vessel to do day or longer trips – people get cramped and claustrophobic when they are forced to stay in a small space for too long. You will also need to make sure that there is enough storage for things like food, water, and even extra clothes or blankets.

What Weather Do You Want to Use It In?

What seasons do you want to be able to use your boat in? Would you want to drive it in more severe weather like rain? Will you store your boat during the winter or are you in a region where the water does not freeze? If you want a boat for the summer you don’t need a boat that has an indoor area. Your everyday speedboat will suit you just fine. If, however, you want to use it during rain, or during cooler months, you should consider purchasing a larger boat that has an indoor steering wheel and seating area.

What kind of boat you need depends on what you want to do with it. Rather than jump into a spontaneous purchase because you like the way a boat looks or what a salesperson is saying, know what you need the boat to do. Have a checklist of you needs so that your boat will fulfill them.

Insurance

Just like any other large investment you make, you need insurance. Having insurance on your boat means that it will be protected in case of sinking, fires, storms, theft, if it capsizes, if you’re stranded, or any other accident. You can also get liability insurance, which is just as important as getting insured for your boat. Having liability insurance means that if you get into a boat accident, you have a means to pay your medical expenses for you, your relatives, and any other passengers on your boat. This insurance is for when the accident is not at the fault of someone else.

When you are in a boating accident that is someone else’s fault, you will need a personal injury lawyer. Visit StephenBabcock.com for the kind of lawyer you need. Compensation for an accident that is not your fault should always be compensated for. Be legally protected, and enjoy your boat!

 What Can You Afford?

A boat, just like a car, is not a one-time payment. There are upkeep costs, costs of running, cost of insurance, and cost of storage. You also need to think of how you are going to transport the boat. You would need a heavy-duty vehicle that can pull heavy equipment. Know what you have, what you can pull, and you’ll at least save on transportation costs. Then there is the cost of the trailer itself, and how and where you will store it.

Know your budget beforehand, and budget out costs for your boat in the future. Not being able to keep up with payments could mean that your boat will end up rotting somewhere on your property.

New or Used?

The decision whether you want to buy new or used depends on the budget that you have. Buying used means that you can buy your dream boat at a price that you can afford. Make sure that the boat you are looking at is typically made of fiberglass or aluminum, so you don’t have to worry about any materials that might have rotted. There, are, however, many things that you must worry about when you are looking at buying used. These are:

  1. The Engine

Naturally, the boat will not run without the engine. Show up early so that the engine, when you test it out, hasn’t already been warmed up. You want to start it and see how the engine runs, sounds, and functions after being sitting out all night. Check the oil to make sure that there isn’t water mixed in, and that it is clear. If you want to be certain you are making a smart buy, make sure you bring a mechanic with you. It could be a friend, or a professional, but that is the only guaranteed way to know you are making a sound investment.

  1. Electrical Equipment

When you are looking at buying used, insist that you drive the boat and try out all and any electrical items. First turn them on one at a time, then all at once. If everything works well, that’s a start. Next you should check any fuse boxes that the boat might have. Are they different? If they are, that means that they have been replaced. Why they were replaced is important. You want to make sure that the problem was fixed before you think about buying the boat.

  1. The Pumps

The pumps are what filter water out from the boat, and are a very important system. Make sure that they work automatically and manually.

  1. Is it Even?

A good indicator of whether or not a boat is in good condition is if it sits evenly on the water. If it is tilted on an angle, this could indicate that there are problems internally with the boat, and therefore not a sound investment.

  1. Rot

You don’t typically have to worry about rot unless you are looking at a much older boat, but it still happens. Check any wooden parts on the boat for rot before you make a purchase.

  1. Breaks and Leaks

If anything is separate, cracked, or pulling away, it could mean that there are structural issues with the boat. This could mean the stringers are broken or separated, the hull is coming away from the deck, or any other problems. Essentially, make sure that every part of the boat is tight, whole, and not damaged. If possible, see the boat both outside of the water and inside the water, before you make your purchase.

  1. Always Test It

Never, ever buy a boat without driving it for a reasonable and considerable amount of time. Ensure that you drive it over fifteen minutes. That way you can see how you like the drive, if there are any issues with driving it, and if anything sounds off. The longer you keep it running for, the better the test.

Why You Might Want to Keep Renting Just a Little While Longer

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Becoming a homeowner is much like becoming your own boss. You don’t have to ask for permission to paint your walls a particular color and you don’t need to notify the rental office when you plan to have overnight guests. Of course, homeownership doesn’t come free, but you’re likely to get more leniency from your mortgage company for being a few days late than a landlord. At the same time, you don’t want to buy a home that comes with a 30 year mortgage for the sole purpose of being in complete control of your current housing.

With spacious duplexes for rent and cheap efficiencies available for short and long-term leases, you can get exactly what you need in a rental while waiting for the perfect opportunity to buy. It could be six months until you’ve ready to purchase a home or six more years before you’re ready to begin working on improving your credit profile. Even if have the money to buy, waiting could be the better choice in your situation.

Following Real Estate Value Trends

Often called housing bubbles, this is when property values are higher than they are expected to be in the near future. A home that is purchased for $200,000 might only be worth $150,000 in a year if and when the market slumps. Buying a home during a real estate bubble is bad for buyers for multiple reasons. First, you will be buying a home with fewer bedrooms, bathrooms, features, and amenities at a higher value than it is actually worth. Second, your mortgage is guaranteed to stay underwater for years after it is appraised for less than what you purchased it for. Lastly, if you buy a house during a housing bubble you will not get a good return if you attempt to sell it.

Waiting Longer to Buy Results in More Money Saved

There are mortgage programs that allow buyers to put very little money down on their homes. On one hand being able to buy a house without a down payment might be something that is beneficial to a limited number of people. If you don’t live in an area that traditionally has many rentals, buying a home makes sense if you want to live in an exclusive spot. Another fact that should be considered is that buying a home with little money in the bank probably means that you have issues with budgeting. Renting could help you to work out your financial problems and teach you how to spend responsibly so that saving isn’t troublesome for you.

Your Household Could Change Soon

No matter what stage you are in your life now, things can always change sooner than expected. If you’re single, the right guy or girl could be just about to enter your life. Married couples with children could become grandparents several times over in just the span of a year, while lifelong bachelors might decide to become the owner of a dozen pets. Giving yourself a bit more time to think about where you’re going in life can be helpful before you make a major decision and purchase a home.

You can buy a house and then turn right around and sell it, but most new homeowners purchase property for the purpose of making it their permanent, long-term residence. If you want to buy real estate but you can’t settle on the type of home you desire to live in, the neighborhood, or the price don’t make a decision that can’t be undone easily. Just wait a little longer and you will know when it is the right time to own.

Overbearing Car Costs? How to Start Saving Money Today

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Whether it is a way of getting from point A-to-B for work, dropping the kids off at school or simply a lifestyle choice, driving a car is an integral part of living for many people. Yet as you will no doubt know by now if you’re reading this, a car can leave a significant hole in your bank balance, and leave you feeling like your car is a somewhat of a money pit.

While regular costs cannot be avoided in full, there are steps to take that will help to reduce your car-related expenditures. So if you want to start saving money today and not suffer from high car costs, read on for various top tips to take onboard.

Drive sensibly

Did you know that everything from hard braking to speeding can have a significant impact on your gas mileage? Well aggressive driving, especially on highways, is a sure way of draining that gas tank. Due to this, driving steadily – preferably at 50mph when possible – is highly advised. Also if you are parked and waiting around in your car, don’t forget to turn the engine off!

Shop around for insurance

Based on a recent study, only 39% of Americans searched around for a new auto insurance provider in 2014. Yet shopping around different insurance companies, finding the best one for you could result in a large annual saving compared to what you’re currently paying. If you have an older vehicle, also look into cutting down to just property damage and injury coverage – that’s because the price to repair could end up being more than the value of the car!

Avoid air conditioning usage

This might seem like a minor problem at first, but using the in-built air conditioning can really take it out on your vehicle. In fact, research suggests that during especially hot temperatures, using the AC could reduce fuel economy by over 25%. So instead of relying on the AC all the time, keep the windows down in an effort to help battle uncomfortable heat conditions.

Regular maintenance checks

Admittedly, having your vehicle looked over by a mechanic is going to incur a fee – but the long-term benefit would certainly be worth it if your car suffers from significant engine failure. If possible, and especially if you own a foreign brand of transport, take your car to a specialist firm like Tokyo Automotive. If you own a Subaru for example, their Tokyo Automotive Subaru service will ensure your vehicle is treat with due care while also keeping costs down.

Avoid driving when possible

While this is easier said than done, the easiest way to save money is by simply not using your car whenever possible. For instance, if certain destinations such as the local supermarket, school or workplace are within reasonable walking distance, leave the car behind whilst also getting in some rewarding exercise at the same time. Also consider setting up a carpool as another way of saving on gas usage.

How to Receive the Best Price for Your Property

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Encouraging buyers to walk through the door of your home can sometimes feel like an uphill challenge, and it may feel even harder to receive the right offer. Read our helpful tips on how to receive the best price for your property.


  1. Research the Property Market

It’s important you have a firm grasp of the property market, so you understand your property’s worth. Review the most recent sale prices of similar homes in your neighborhood within the last 30 to 60 days, as well as how long they were on the market. Also, aim to discover whether the properties were sold for the initial asking price.


  1. Price the Property Well

Every homeowner wants to receive as much money as possible for their property. Unfortunately, many people make the mistake of listing their homes that exceed comparable housing prices. While others may start with a high price and work their way down.

Both strategies can backfire, as home hunters will also have a budget in mind and the price could result in them ruling out your home. A property will become stale the longer it remains on the market, and it can be very hard to attract buyers once this happens. Aim to accurately price the property so you receive the best price at a faster rate.


  1. Find the Right Realtor

Aim to find a real estate agent who will take the time to learn about your property, which will complement their extensive knowledge of your neighborhood. For instance, John Mikesh aims to make the process as stress-free as possible, as not only will he help you receive the best price for your property, but he will take care of all the legal work, too.


  1. Home Staging

Little changes can make a big difference to your property. From a well-tamed garden to neutral walls, create a space that offers a great first impression. Add mirrors into small rooms to elongate a smaller space, or upgrade fittings to provide a room with the wow factor. It could result in a prospective buyer making an offer on the spot.

However, don’t embark on any major renovations that will add little value to your home. Focus on smaller changes that can make a big difference to your property such as a fresh coat of paint, depersonalizing your accessories and removing any quirky artwork that may not be to a buyer’s taste.


  1. Set an Offer Deadline

If your home is competitively priced, it might be beneficial to set an offer deadline to potential buyers. Encourage them to make an offer within the first two weeks of the home entering the real estate market, and launch an open house immediately. This could help you receive multiple offers for a quick sale.


  1. High-Quality Photos

Choose your photos wisely when listing your home on a real estate website, as you will want as many people to view the property as possible. Only advertise high-quality photos that showcase your home’s best features and don’t include any problem areas on the listing.

Choosing the Right Online Lending Company

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When it comes to choosing an online lending company, there are many options; however, finding the right one to work with can be difficult. Whenever you borrow money, you will need to be diligent about who you are getting it from. Today, we are going to learn how to choose the right lending company for your current borrowing needs.

Determine How Much You Need

There are many different loans online with monthly payments. But before you start looking for a lending company, determine how much you are going to need. While you might have a certain amount in mind, you will need to see what you can actually afford. Remember that paying back your loan may be difficult if you borrow more than what you can afford to pay. Failure to pay back a loan can have a huge impact on your credit score, and you will have collection agents hounding you. A great way to determine how much you should borrow is to take a look at your monthly income. Make sure that you will have the cash to pay the monthly fee, even if something unexpected comes up.

Know What You Are Getting Into

Before signing any paperwork, make sure to go over it with a fine-tooth comb. Reading important details will help you avoid any hidden fees that might be in the contract. Remember, some online lenders charge large interest rates. Others also charge a lenders fee that could add up to hundreds of dollars. So, make sure that you read the entire contract at least a few times before agreeing to the terms. For more tips on how to read a loan contract, please check out this helpful link. These tips will come in handy when you are trying to understand these lengthy contracts.

Do Your Homework

When shopping for an online loan, make sure to do your homework. Try to learn as much as possible about the lending company you are going to deal with. Some have been in business for many years and are highly respected, while others have a more shady reputation. A wonderful way to learn more about these companies is by reading online reviews. These reviews can help you learn a lot about a lending company without having to contact them first. People who have used these companies in the past will often share their experiences in an online review. If you would like to know more about how to conduct online research, please check out this website.

If you are in need of an online loan that offers monthly payments, these tips can help you find one. By doing your homework and checking out the lender, you will be able to get a loan with generous conditions. Remember to only borrow as much as you need and never get a loan that you can’t afford to pay back. This will help you boost your financial freedom and give you some relief from the burden of needing money.

Why a Vacation Home Could Be a Smart Investment

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Ask any financial expert what their best tip is and most will say “build a savings pot”. This is, of course, excellent advice, as we never know what life has in store for us. However, once we have a nest egg and a decent retirement fund accumulating interest, what else should we do with our surplus income?

Depending on your interests, there is a lot you can do with your disposable income. Travel is fun, as is gambling if you enjoy a flutter on the roulette wheel, but if you want to make your money work harder, investing in property is a smart move.

The Right Location

A vacation home ticks several boxes. On the one hand, once you own a vacation home you never have to worry about finding somewhere to stay. On the other, a vacation home in the right spot can easily earn you a decent income when you are not around.

Choosing the right location is critical. Firstly, it needs to be somewhere you and your family want to spend time on vacation. Secondly, it needs to be somewhere other people want to visit, too. Beachfront properties or real estate in ski resorts are always popular, but you need to strike the right balance between desirable and affordable.

For example, Amelia Island Planation real estate is a good investment, as the island is a popular vacation spot. Millions of tourists visit Florida each year and the attractions of Amelia Island are well-documented. If you buy a vacation home here, you can look forward to some fantastic holidays and a steady income. However, if you hate the hot Florida climate, a property in a more northern state might be a better choice, as you are more likely to use it for your own vacations.

Choosing a Suitable Property

While your own needs should take precedence, pay attention to what the majority of holidaymakers will look for when selecting a vacation property. Families with kids will want to be close to the main attractions, so a beachfront condo is a good choice, whereas golfing enthusiasts will want a property near a prestigious golf course.

Unless you know the local area well, speak to real estate experts. They can advise you on where the best investment areas are located. Property usually appreciates in value over time, but some areas appreciate more than others, so if you buy a property in the right location, you will maximize your investment.

Management Decisions

Vacation properties need to be carefully managed. If you want full access to the property, there is little point in renting it out as a holiday let, but if you only want to use it occasionally, you may as well maximize its earning potential. Either way, however, the property will need a manager to keep a watch on things and prepare it for new rental clients when you are not around.

A vacation property can generate a rental income and capital growth, but only if you buy the right property. With this in mind, don’t rush into making a hasty decision and always take professional advice.

4 Tips for Cutting Your Monthly Household Expenses Down

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When you work hard to make a living, it’s nice to be able to have as much money as possible left over each month to save up or spend for your own entertainment and leisure purposes. But, living expenses can quickly add up, leaving you with less money than you’d like that doesn’t have to be set aside for rent, bills, and other living expenses. Luckily, the good news is that there are several things that you can do to cut down your living costs and save money on your essential bills. Let’s find out how.

Tip #1. Upgrade Your Home:

Whilst making upgrades to your home such as installing double glazing will cost you initially, over the long-term, they can be essential to saving money. For example, changing your windows from single glazed to double glazed will help to trap more heat in your home or keep it cooler during the summer months when using your air conditioning system; in turn, this means that you’ll waste less energy, which will result in your bills coming in at a lower price. Don’t forget to choose your installer carefully when it comes to getting double glazing, as the way the windows are installed can play a huge role in determining how much energy you will be able to save.

Tip #2. Rethink Your Entertainment Package:

Today, many people like to have a good entertainment package in their home, with cable TV offering a plethora of channel options to choose from. However, signing up for a full package including a telephone line, broadband, and cable TV can be a costly expense to pay for each month. Instead, you might want to consider online alternatives, such as Netflix, where you can find several TV shows and movies to enjoy at a much smaller price.

Tip #3.  Use Vouchers for Grocery Shopping:

We all have to eat, so it’s no surprise that the grocery shopping bill takes up a huge percentage of many households’ monthly expenses. If you have little mouths to feed, then no doubt your grocery bill is higher than those of single people or couples. When it comes to saving money on groceries, there are several strategies that you can use to save money. For example, shopping at budget and discount grocery stores, or opting for own-brand rather than branded products, can help you to cut your grocery bill down significantly. You can also find several voucher and discount sites available online that anybody can sign up to for money-saving deals on their grocery shopping and more.

Tip #4. Ditch the Cell Phone Contract:

Cell phone contracts are the main option these days, however many people aren’t aware that there are other options available that could result in significant savings. For example, if you’re not really in need of a new cell phone handset and yours is working just fine, then choosing a SIM only contract for your upgrade, rather than buying a new handset, can save you a large amount of money per month.

Did these tips help? We’d love to hear from you in the comments.

40-Something and Saving for Retirement? Here Are 4 Tips

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You know that retirement is inevitable yet you find yourself in the situation of the majority who have failed to save enough to quit the workforce comfortably. How did you get to the place of being 40-something and unprepared? The good news is that there is still time to turn things around in the retirement department when you are in your 40s. Here are four tips for saving for your grand exit from the workforce later in life.

  1. Determine Your Retirement Age

You may have to work a few more years than the savvy young person who started saving in his 20s, but there is still enough time for you to make a decision on what age you would like to retire from the job sector. Many professionals decide to hang up their work hat during their 60s and definitely before turning 70-years-old. Your choice on how long you want to work, however, is entirely dependent on your willingness and health.

  1. Save Aggressively

You are technically behind the pact when you begin saving for retirement in your 40s, which is why your efforts must be intentional and consistent. At least 15 percent of your annual income should be set aside for retirement. Many individuals saving for their exit from the workforce contribute 20 percent of their yearly income to such efforts at age 40 and beyond. It is easiest to accomplish your annual saving goals when you set up automatic transfers from your checking account every pay period. All bonuses and should go towards your retirement fund.

  1. Take Full Advantage of Your Retirement Accounts

Many people leave free money on the table at their exit from the job sector because they are ill-informed about their pension plans. You should take the time to learn every aspect of your retirement accounts and contribute as much as you can to them. Also, make sure that you benefit from an employer’s offer to match your contributions if such incentive is available.

  1. Take Out Life Insurance 

In the event that your spouse and dependents rely on your income to live, it is important that you are covered with life insurance. By taking out a policy, you can be sure that if anything were to happen to you prior to retirement, then your loved ones would still be able to live comfortably.

  1. Decrease Debt

There is little point in you maxing out your retirement accounts and saving like crazy if you maintain debt that will follow you into the golden years. Consider paying off large accounts before you begin saving aggressively so that your frugal efforts can be of greater use to your overall plan.

Living a minimal lifestyle is essential to those getting a late start in their retirement savings. You cannot be a 40-year-old big spender working a traditional job and expect to have $2 million saved when retirement comes. Sacrificing your desires and only spending money on necessities is the best way to prepare for your grand exit from the workforce.

Deck the Halls Without Worry This Holiday

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The holidays are coming and with it they can bring a feeling of dread for many hardworking Canadians. If you’re low on cash, this expensive time of the year can be a workout for your budget. Just because your finances are out of shape doesn’t mean you have to miss out on the holidays. A simple payday loan can float the cash you need to keep things merry and bright.

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Like most financial responsibilities, the holidays have a finite due date. When you’re working under a time limit, it’s nice to know that payday loans from lenders like GoDay are simple, convenient, and — most importantly — fast. In fact, online payday loans from them are processed by an automated system that knows no holiday. It’s running 24/7/365 to accept your applications. You’ll know if you qualify in as little as 5 minutes, with the possibility of same day deposit just an hour after approval. 

Fast access to cash advances usually comes with one caveat: their repayment is on a shorter timeline. Typically, this means you have to pay back your loan, plus fees and interest, by the day of your next payday. Hence the name! If you can’t cover a short term advance of up to $500 by the next time you get paid, then this financial product might not be for you.

It’s important to know the rates, terms, and conditions before you accept a payday loan to make sure its assistance is a practical cash flow solution. Keep to those lenders that follow the standards set by the Canadian Consumer Finance Association (or CCFA for short). This third-party organization makes sure consumers like you are safe to search out short term loans. You can visit GoDay to get more information on what you should look for when seeking a company to work with.

If they aren’t associated with the CCFA, then chances are their rates and terms break provincial lending laws. Avoid those lenders to save yourself the financial trouble, sticking only with those that offer up responsible lending opportunities with no hidden fees.

Let’s face it — even when you say you’re keeping it small this year, the holidays have a way of going overboard. There’s no cheap way to travel across the country. Whether by train, plane, or automobile, you’ll pay for that cross-provincial visit back to Grandma’s. Santa’s list can turn into a never ending scroll of gifts and you — not the big man — are footing the bill. And to top it all off, necessary repairs and other small responsibilities can come your way alongside your holiday spending. Cover these and more with the help of a payday loan.

6 Benefits To Working Online

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When faced with the opportunity to work from home or work remotely for a larger company you might start wondering about what the pros and cons can be of such a change in working lifestyle. There are a number of personal pros and cons of course, but there are some external ones that you might not realise come into play. Here we look at a few of each, and why working online can be really the beneficial change you’re looking for.

Environmentally Friendly

That’s right. Working from home or online is environmentally friendly, unless of course you always worked in an area that enabled you to walk to work from home. Remember all those hours sitting behind the wheel in traffic jams, just burning fuel? Well no more. Working from home allows you to have zero commute, so you burn zero fuel, thus keeping at least one car from not clogging up the streets.

More Time For You

No commute means that you have more time for you and the things you enjoy doing, which means you can literally leave work one minute and be engrossed in your favourite activities the next. Perfect! Additionally it means when you take breaks you can do whatever you like, such as playing online games such as Allslots or other gambling sites, either for fun or to help make a bit of side cash.

Less Distractions, More Productivity

At home there are ultimately fewer distractions than there are in an office, unless of course you are trying to balance childcare with working from home. If you’re a singleton, or in a relationship where your partner works out of the home though, you will realise that it’s a quieter, less demanding atmosphere, leading you to be more productive, AND getting more done in a shorter period of time!

Work/Life Balance, Family time

It’s no secret that commuting takes up some of our own precious time each day which should be used to spend time with our kids or partners, especially if you have to take a series of buses or trains, or if you have to sit on congested streets alongside countless others all just wanting to get home to cook dinner. Working online can mean no more commute – which means more work/life balance and more time with family.

Flexibility

Of course working from home means flexibility in not just your workspace but potentially your schedule as well. Depending if you work for yourself or for a larger business which encourages home workers, you may find you are able to work hours that are more preferable to you (such as evenings or even nights), or start later in the day. This is something you just can’t do with a typical job usually.

Less Stress, Better Health

Working online additionally means that you aren’t as stressed as you would be in a typical office or work setting. If you find you have a huge influx of work, you won’t have Bonnie from accounting breathing down your neck about where her reports are, and you won’t have a phone ringing off the hook from people needing you to drop everything for their thing that was meant to be done last week. Stress causes a number of health issues from weight problems to sleeping problems and even cardiovascular issues, so by eliminating large sources of stress, you eliminate large contributors to problematic health (and have more time for the gym if you’re so inclined!).

So there you have it – six benefits to working at home/online. So why not take that opportunity the next time it comes around and see just how fantastic it can be to have the freedom, flexibility and extra time!