SIMPLE but GOOD Advice
This site is chock full of practical advice and insights into a wide variety of issues that all people or someone they love and care about may encounter during their lifetime.
Any information found on this site is for informational and entertainment purposes only.
Before using or applying any information found here, you must consult a licensed or certified professional to ensure it will work for you.

Smart Consumers Support Free Products
Have you ever thought about which type of consumer you are?  There are basically only three real answers; Smart, Stingy (selfish), or Stupid.  Let's discuss how we rate the consumer types by how people really are (and not any of the psychological mumble jumble):
SMART Consumers...
...know that "free" does not necessarily mean "worthwhile" so they only invest time and effort into true values for their lifestyle.
...know that even "free" items have a cost and that someone (seller or buyer) will have to "pay for" that cost either now or later on. good quality "free" items by spreading the news about them to others with "word of mouth", forums, or social media posts.
...donate (if available) to support the "free" items that they find useful and continue to use in their home, school, or work projects.
STINGY Consumers...
...don't care if the "free" product might be discontinued if it does not generate any revenues; after all they already have their "free" one.
...are not sure if they should tell anyone else because all of the "free" items might be taken and they may not be able to get another later.
STUPID Consumers...
...think "free" is the most awesome category of pricing and cannot fathom how much an item might really cost the creator or distributor.
...get the "free" thingy whether they need one or not, after all you just can't beat "free" even if you just throw it away later on.
What you should know:
1. Not everything that is "free" is worth your time or effort so don't just get something because it says "free" unless you can use it.
2. Even free items need funded whether it is pre- or post- production meaning that "free" is a relative term and not a costing term.
3. Funding is provided either directly by the creator/distributor, or by you in the form of responding to ads or directly donating.
4. For "free" physical products, only take those you can use and give them to someone else or recycle when no longer needed.

Thousands of pedestrians are hit by vehicles every year and in 2017 nearly 6,000 of those people died (read GHSA Report).  There are many circumstances surrounding these accidents such as walking alongside road, walking in a crosswalk, or standing on/near road when pulled over or in an accident.  Regardless of what your situation is, or even if you feel that you are at fault, you need to retain a lawyer or licensed legal representative immediately.  Why?  Unless the driver/owner of the vehicle that hit you is uninsured, your fight will be with the Insurance company.  They are all about business and saving/making money and do not care about how anyone (you or the driver) feels.  This is the reason you need an attorney familiar with these kind of accidents to represent you.  Don't know who to consult with or hire?  Call your local Better Business Bureau (BBB) and see if they can help.


Turn On The Lights and Save $$$ Money - Guide To Converting Your Old Bulbs To LED and CFL
Not too long ago, the craze was to get fluorescent light bulbs (CFL's) which did cut down on energy consumption, but had the nasty mercury content for you to deal with.  Basically you couldn't just throw them away, but they could be turned in to stores like Home Depot, Lowes, or Menards that could properly dispose of them.  Now we have LED as a choice, which by the way has been a very nice technological advance for home consumers but usually with a steep price tag.  Yes, LED bulbs are expensive, so be sure to shop around and try just one pack at a time before committing to a big purchases.  The four basic elements of purchasing light bulbs are: Base, Type, Power, and Effect.  The Base is the screw-in design as the bottom of the bulb which the standard is A19.  Some lighting fixtures different styles like candleaberra, so be sure to get the correct base style.  The Type is going to be Incandescent, Fluorescent (CFL), or Light-Emitting Diode (LED). The Power is the wattage of electricity that the bulb will use and may relate to how much light it can emit.  Please note that the packaging on some CFL and LED bulbs will display both the actual watts consumed and the equivalent comparison wattage to similar Incandescent bulb.  And lastly, the Effect is how bright (daylight) or soft  (glow) the light appears in the room.  We suggest that you look around for lighting displays in stores that demonstrate how much light each size (40w, 60w,100w) and effect can illuminate an area.  Other than power (strength), the next biggest thing to consider is the type of light, Daylight vs. Soft White (also check this at lighting displays).  You will find that each of these types (daylight vs. soft white) is desirable for different areas of your home.  For lamps, soft white lighting at the preferred 100w strength looks really nice.  For chandeliers that point upwards, Daylight can really brighten the room.  For rooms with a ceiling mounted light fixture or with ceiling fan lights, it seemed that Soft White worked best.  Please note that everyone will have their own preference, so be sure to try each type in an area before committing to buying very many of any size or type.  Regarding all those left over CFL's, don't just give up on them as they too were an expensive investment.  You can continue to use them along with the new LED's by perhaps mixing and matching what is used by power rating.  We tested a four globe lighting fixture on a ceiling fan with a combination of two 100w CFL's and two 100w LED's placed in an alternating pattern (CFL-LED-CFL-LED) which worked out nicely.  Happy lighting everyone!
You can download the free eBook here.

Hopefully you will never need it, but Renters Insurance is a good thing to have. You should consider purchasing at least the minimum amount of coverage that would be required to recover your clothing and other belongings you will need to set up your life in a new location. Many auto insurance companies also provide additional coverage types like renters insurance.  Contact your insurance agent to see what they can do to help you get the coverage you need at a price you can afford.

Please don't wait! Get off your butt and paint!

Paint is your friend! If you are thinking about selling your home or business, go ahead and budget your money to paint it with modern neutral colors. Fork out the cash and get cans of fresh new paint, do not use old paint you found in the garage unless you know exactly what type it is.  If you do not know the difference between water-based and oli-based paint, then be sure to consult the clerk where you will be purchasing the paint.  Even if you decide not to sell, you can still enjoy the fresh new look of your place.

There are at least two types of wood that anyone new to building with lumber may not know; treated and untreated.  For indoor projects (not exposed to the elements/weather), you will use untreated lumber.  This is simply natural wood that has been cut from the tree in a wide variety of sizes with no further chemicals added.  For outdoor projects (or in places exposed to the elements/weather), you should consider treated lumber.  These cuts of wood have been pressure treated with chemicals to prolong their usable life by preventing rot and detering wood-eating critters like termites and ants.