Connect with us

Health / Home

How to use the money you received at Christmas well? Here are some practical tips

Published

on

At Christmas, while the children get impatient at the idea of ​​unwrapping their presents, the older ones, on the other hand, receive envelopes of money most of the time. By not finding the perfect gift, this practice can be easier and more practical, thus avoiding offering a gift that is likely to be unpleasant. These are some tips to take advantage of the gifts received at Christmas.

It’s the end of the year, party time. It often happens to see Santa Claus sliding some envelopes containing money or a check under the tree. If in this case you receive money at Christmas, you have several possibilities at your disposal. Although it may be tempting to spend them on pleasure, it would be wiser to save or invest them. If you’ve received some money and you’re still not sure what to do with it, here are some tips to consider.

Considered an end-of-year bonus, the first instinct you have after receiving money as a Christmas gift is to spend it. Even if you are in a stable personal and professional situation, it is still tempting to spend this amount of money. However, it has become necessary to accumulate savings to face the ups and downs of life. Here is how to place your Christmas gifts.

Money as a Christmas present

Money as a Christmas present. source: spm

  • Livret A to save the money received at Christmas

Whether you have a project in mind or not, it’s wise to start accumulating reserves as soon as possible to ensure safety and savings. As for your Christmas gifts, you can deposit them in a regulated savings account such as Livret A. Being the investment most used by the French, the livret A is exempt from taxes and mandatory fees. This means of saving also offers an advantageous rate of return. The latter stands at 2% at the end of the year.

You may also like :   When should a car's tires be changed? (And why you should never miss this quote)

You can also opt for other own bank books with much more advantageous rates of remuneration but which will therefore be taxed. Putting your money in a passbook is a way to save it and withdraw it whenever you want.

If you already benefit from precautionary savings, it’s time to embark on investments that are riskier, more efficient, and offer better returns. Only problem! Your funds will be blocked for a certain period. Although the need to withdraw these funds may reappear at any time, these investment vehicles are still highly appreciated by the French.

Life insurance is an excellent way to finance projects in the medium-long term. This has many advantages such as reduced taxes, secure capital transfers or the possibility of converting your capital into a life annuity. On the other hand, you can also open a retirement savings plan (PER), which you can release and collect later either in the form of an annuity or capital for retirement.

Coins and bills

Coins and bills. source: spm

If you’re younger, you can also think about putting your money into stock investments. When you start, you will benefit from very attractive returns in the long term. However, investing in the stock market is as rewarding as it is risky.. To be successful, training and familiarization with the financial markets may be necessary to develop your skills.

You would have understood! It is not wise to spend the money received during the Christmas season. Thanks to these tips, you can then save or invest it in a more thoughtful way. This will allow you to be better armed in case of unforeseen events!

You may also like :   Sore throat: how to treat it?


read also Should you have cash at home or in the bank?

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

Health / Home

Why do we have to stop covering public toilet seats with paper?

Published

on

Ne faites jamais cela lorsque vous voulez utiliser des toilettes publiques 32001

Using public toilets can cause many hygiene problems. But sometimes we have no choice but to use them. How to do it hygienically?

It turns out that covering the toilet seat with paper is a bad idea that may come to mind when using a public toilet. You know why ? The answer may surprise you.

Cover the toilet seat with paper.

Cover the toilet seat with paper – Source: spm

Covering the seat of public toilets with paper: is it a good solution?

Public toilets are necessary, for obvious reasons, but many people find it difficult to use. If you’re one of those people who prefers to put a layer of paper on your toilet seat thinking it will help ward off certain germs, unfortunately you don’t have the right solution. It is even dangerous to do so. Why ?

Also read: Get rid of mice forever with a natural trick. you will not see them again

We don’t know who used the toilets before our visit or how they flushed. If that person flushed it without taking down the lid, bacteria could settle not only on the toilet seat, but also on toilet paper, which is usually placed near the toilet. This is why the use of the latter as protection is not recommended. Therefore, covering the toilet seat with paper will not protect you from bacteria, on the contrary, you will even come into direct contact with these germs.

Public toilets

Public toilets – Source: spm

Although public toilets are usually dirty and retain bad odors accumulated throughout the day, the seats, on the other hand, are specially designed to prevent germs from staying. Those made of non-porous plastic are among the most germ-free surfaces in public restrooms. A study by a company that produces antimicrobial materials found that bacteria were found in unexpected places in public restrooms. In fact, a large number of microbes are found on door handles or flush buttons.

Also read: Why don’t dishwashers have a window like washing machines? There is an unsuspected reason

However, some experts have revealed that public restrooms may be cleaner than the sponges we use to wash dishes every day. But if we do not know how they were used before us, it is worth protecting against bacteria. However, there is a more reliable method than covering the seat with paper.

To be more serene when using public toilets, take toilet paper slightly moistened with water and a little alcohol (such as a hydroalcoholic solution), then wipe the seat with a “rag”. Afterwards, you can safely sit on the seat. It is the most hygienic solution that will protect you from contact with germs. If you happen to have no alcoholic solution, you can crouch down without touching the seat. Then wash your hands well with soap and warm water.

Also read: Here’s how to defrost meat in 10 minutes without using the microwave

You may also like :   The end of Mercury retrograde brings a positive change in the lives of 3 zodiac signs
Continue Reading

Health / Home

Why leaving the keys at the door of the house facilitates theft?

Published

on

Laissez les clés sur la porte d'entrée pendant la nuit est une grosse erreur. Beaucoup de gens le font final

“And you will leave the key in the lock of the door, at the entrance, it is safer!” You keep repeating it to the whole family… However, according to security professionals, it seems that this is even the worst solution to ensure the safety of your property and the beings with you. Thieves will take advantage of this loophole to break into your home. Let’s take a look at how they take care of your door and how to protect your home from intrusions by imaginative thieves.

they penetrate like everyone

Most of the time, they enter like everyone else: through the door! source: spm

Why not leave the key in the front door lock?

Thieves are organized people, they don’t let themselves improvise. They mature their plans, explore, investigate and choose their victims carefully. they even leave signs behind them. If we can recognize them, we can distinguish their will from attempted robbery. The days of crowbars are over, thieves also know armored doors and other security systems. Here, then, in the form of some questions and answers, the opinion of public safety professionals and some valuable advice on derailing the plans of thieves and the recourse you have if, unfortunately, the worst happens.

Discover the “fishing” method: how thieves open the doors… the key they carry

The “fishing” method is one of the methods thieves use to open doors without having to force them. This involves sliding a tool into the gap between the door and the jamb to “fish” the key out of the lock.

Also read: Dirty and stained car seats? With this ingredient, they are like new again in the blink of an eye.

Another method thieves use to pick the lock is to align the pins and counter-pins. And with the key inside the lock, all the bolts are up; therefore, the job is easier for thieves.

Be careful this gesture can cost you dearly

Be careful, this gesture can cost you dearly! source: spm

They will also use hooks and hangers, and are very adept at getting through the mailbox slot… To grab your bunch of keys and get into your house without going into your house. This method is quick, discreet, and can be very effective if the door is not properly secured.

What to do in front of the open door when you come home?

When you get home to find the door unlocked, it’s important to stay calm and take the necessary steps to make sure you and your family are safe. First of all, don’t immediately go inside and check if anyone is inside. If so, call the police. Thus, they will take care of this unwanted presence. Then it will be time to inspect your pieces to see if anything has been moved or stolen. Go to your usual hiding places… Don’t have one? However, it is very useful to house all valuables, in unusual places safe from thieves. A track ? Thieves go straight to the point, as their time is limited… So you will find the places they will never visit, like children’s toys, toilet cistern…

What can be the warning signs of a robbery? At the door, in the building, on the street…

Exists various warning signs of a robbery that can be seen on the door, on the building and on the street. Signs that may be visible to the naked eye. Symbols are found on the door, such as discreet scratches or marks on the frame, marks on the lock or broken switches. In the building, open windows and doors may indicate a current or recent burglary. On the street, suspicious people or vehicles can also be signs of a planned robbery.

How do burglars attack and tag houses?

Burglars generally look for homes that offer a quick and easy way to break in. Doors on the ground floor and first floor are often the point of access they are aimed at. Burglars can discreetly mark potential doors and windows to let other burglars know a target is easy to hit and worth breaking in.

Victim of a thief, file a complaint: this is how the police and the gendarmerie look for them and find them

Unfortunately, robberies are a very common phenomenon, and it is important to know how the police track down the perpetrators of robberies. In most cases, the door damaged by the burglar is a valuable source of information for investigators. Fingerprints, hair, or clothing fibers can be recovered from the door and help identify the thief.

Surveillance cameras help police in their investigation

Surveillance cameras help the police in their investigation Source: spm

So the police are quite familiar with the hidden market networks, the receivers, the traffickers who agree to be paid with the loot. The investigation can take time or sometimes be completed in a few days…

Also read: Make an extra stove out of a simple can: the brilliant hack that saves

You have understood it: it is advisable to know the methods of thieves, before being able to fight effectively against thefts in your home. Break the habit of leaving the keys in the door, even if it is secure… and convince yourself that you are not alone, nor without help in these terrible circumstances. Talk about it around you – it’s also a very effective way to fight theft, we don’t give them the glory of their misdeeds.

Also read: Phone Battery Drains Quickly With These 3 Common Mistakes

You may also like :   How to clean a computer keyboard
Continue Reading

Health / Home

How to keep mice away naturally and without traps?

Published

on

Oubliez les pièges. Il existe des moyens beaucoup plus intelligents de se débarrasser des souris final

Although some people think that these creatures are cute and innocent, we are not going to lie, for most people, mice are a real nuisance in the house. There is no doubt that they live with us. Especially since they usually appear out of nowhere and have the art of making us jump as soon as we meet them. The only problem: they sneak in so fast that it’s hard to get rid of them easily. Simply put, these rodents refuse to be evicted and happily feast on their food supply in the kitchen and basement.

Do you refuse to live one more minute with these intruders who infest the house with their excrement, and who also leave behind a very unpleasant smell? It is not necessary to kill them or resort to overly aggressive traps. There are a variety of natural methods, without an ounce of a chemical, that will help you get rid of them very quickly. Discover them.

mouse at home

Mouse at home – Source: spm

The Best Natural Mouse Repellents

To get rid of them permanently, most people think that it is necessary to kill mice as soon as they appear inside the house. That’s wrong. Although they disgust you and represent a risk to health security, they are living beings that are part of the ecosystem and must be preserved. In truth, you can easily evict them by playing the trick card. You should know that mice have a very fine and very sensitive sense of smell. So much so that, in addition to bothering them, certain smells can even scare them and discourage them from approaching the premises. Why not take advantage of it and bet on aromas that scare them away? Especially since you probably already have a range of repellent herbs in your pantry that can easily repel mice without resorting to traps or poisons.

Also read: The 1 euro trick to keep mice away from home: it is radical

Therefore, you can plant certain aromatic herbs:

  • lemon grass
  • eucalyptus
  • hyacinth
  • laurel
  • spurge
  • tansy

In your garden or on the balcony. It would also be a good idea to spray peppermint, chamomile, eucalyptus, fennel, yarrow, or even oleander essential oils near their nest or walkways. Mice also hate the smell of moldy lemons. But mold is not recommended for your own health, so it is better to avoid this method. Note that baking soda also exerts a strong repulsion!

White vinegar to keep mice away?

White vinegar is an effective solution to repel mice due to its strong odor that repels them. To use, prepare a white vinegar-based spray and spray it through the rooms of your home, concentrating the sprays on infested areas. Repeat this operation regularly to maintain its repellent effect. You can amplify the effect by adding a few drops of white vinegar to the kitty litter.

An electric repeller to keep mice away?

If not, you still have the possibility to equip your interior with electric repellents that are very effective in keeping rodents away. These devices emit ultrasound whose vibrational frequency is inaudible to your ears, but unbearable to mice. You can install them in various places in the house. You will thus kill two birds with one stone: the mice that have already settled in your house will be so scared that they will run. As for the outsiders, they won’t dare come to prowl.

Also read: Get rid of mice forever with a natural trick. you will not see them again

Other solutions to scare away mice from your house

Here are some tips and tricks to prevent the appearance of mice and drive out the ones that are already inside your house.

  • Cover all openings: it is necessary to block any type of possible entrance to the house, be it cracks in the walls, doors, windows or any other suspicious hole. Especially if it’s a bright space that will attract rats. Do the same for pipes, curtain covers, or vents.
  • Seal trash cans: remember to always close the lid of the garbage cans. Even opt for an adjustable lid to keep it securely closed, whether you’re inside the house or out on the patio. Remember that mice and rats will always be drawn there to eat whatever food is within reach. The less access they have to it, the easier it will be for you to get rid of.
  • Do not expose pet food : if you leave your dog’s or cat’s croquettes well exposed outside or even inside the house, the mice will not resist the temptation. This food contains a lot of fats that rodents like.

Also read: The brilliant trick to keep mice away from home: they will not dare to return

You may also like :   Why do you need to restart your smartphone?
Continue Reading

Trending