How to Find Your Nighttime Bliss: A Mattress Buying Guide

Posted on July 25, 2017 by Krissyar

A mattress is a major purchase that affects an important facet of your health and lifestyle: your sleep. You want a mattress that will aid a restful slumber, which means you must be a smart shopper who knows what to look for in a mattress. Here are some important things to consider when choosing the right mattress.

Type

Everyone has their own personal preference when it comes to mattress types. It is good you know what styles are out there so you can choose the best one for you.

  • Hybrid mattresses can result in a bouncing and cooling mattress with support and pressure relief.
  • Latex mattresses are ideal for those who seek a mattress with comfort, bounce and cooling.
  • Memory foam is geared toward support, pressure relief and body contouring.
  • Coil mattresses are a traditional style that have strong edge support and a lot of bounce.

Adjustable styles are on-trend, as they let you personalize your mattress to fit your ever-changing needs. The shift in your sleeping position helps those who snore, experience chronic pain or have medical conditions. If you have a partner, an adjustable mattress that has dual adjustments on each side of the bed will be perfect for the two of you. You can each enjoy a good night’s sleep, as the bed can be adjust for your personal preferences and sleeping idiosyncrasies.

Firmness

Mattress firmness differs from the type or style because it relates to the variance of foams versus support-based materials. The ideal firmness for you will depend on your body type, weight and sleeping positions. When you are considering the firmness of your mattresses, find a brand that has universal foam layers designed to flex and adjust, based on the sleeper’s weight. A universal firmness design is suited for all sleeping positions, as it will support any part of the body that weighs heaviest into the mattress. There are also mattresses that are designed with a specific firmness level, without universal accommodations. If you know what kind of firmness you desire, you should reference your ideal firmness number when talking with a retail associate. The firmness scale ranges from 1 to 10, though most people prefer a firmness that falls within the 4 to 7 range.

Budget

When it comes to mattress quality, a higher price doesn’t reflect whether it is best suited for your sleep needs. Shop around for the specific style and firmness that align with your preferences, then compare the prices of your preferred models. Avoid traditional mattress stores, and instead compare mattress models and prices online so you can get a great bed on a modest budget. When shopping with online retailers, visit their mattress category page so you can compare their styles and prices. This is a strategy that will help you narrow down your options and find the best product for you. In so far as price points, generally you want to spend around $1,000, which allows you to consider the luxury-end of the mattress market. While prices doesn’t necessarily align with quality, anything less than $500 will likely be less durable and be made with toxic materials, chemicals and treatments.

 

 

 

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Energy Vitamins to “Beat the Heat”

Posted on July 24, 2017 by Krissyar

I don’t know about you, but sometimes the heat literally just ZAPS all my energy. I can be fine when I’m in the house, but as soon as I leave or go to work on something outside it’s as if my energy has been drained completely.

There are a few things that can attribute to that zap of energy, like lack of sleep, poor diet, too much caffeine, or stress. But there are ways to get that energy back – like some of the great vitamins and supplements from Savesta.

Try a combination of these 4 supplements for the best results!

Ashwagandha:

  • Also known as Indian Ginseng, Ashwagandha has been used for centuries.  Savesta Ashwagandha helps to manage normal daily stress, promotes relaxation and a more restful sleep and helps boost the immune system

Mangosteen

  • Mangosteen is a superior antioxidant that helps boost energy as well as helping the Immune system.  Savesta Mangosteen is standardized to provide consistent levels of xanthones, tannins and flavonoids, three key antioxidant factors according to scientific studies

Organic Moringa

  • Another superior antioxidant, Organic Moringa helps suppress the appetite which helping to maintain overall vitality and energy levels.

Triphala

  • Triphala promotes normal blood pressure and blood circulation and is known to be effective in relieving occasional digestive disorders, important all year long but especially when people are doing things during the summer that they might not be doing during the rest of the year.

Savesta is providing one All in a Days Work reader with a 4 pack of the above mentioned supplements – and a $50 Bed, Bath & Beyond Gift Card! Enter in the rafflecopter below for your chance to win!

Contest ends August 11th!

a Rafflecopter giveaway

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The Pro’s and Con’s of Leasing a Vehicle

Posted on July 20, 2017 by Krissyar

Most people will tell you that buying a car is the smartest way to go; and from a financial perspective that could be true. If you make the higher monthly payments, pay off the loan in full and then keep the car for at least a few years after. But leasing a vehicle has some great options as well, it can be less expensive month-to-month, and if you like a new car every few years, it may be the way for you to go. The best way to make a decision is like Mom says right? Make a list of pro’s and con’s.

Pro’s of Leasing
Less commitment. Hey you commitment fobs – here you go. Most lease terms are 24 to 36 months. At the end of the lease you have the option to buy out the lease and keep the vehicle, or return it to the dealer, hands clean.

Lower monthly payments. Essentially this is just paying for the time you are driving the car, versus the full car price. It’s a long term rental agreement you may say. So therefore you can get more car, for less.

Low or no down payment. Watch for incentives; sometimes they offer a super low or NO down payment at all on a new lease especially if you have a good credit score. Combine that with the lower monthly payment, and it sounds like a pretty sweet deal.

Manufacturers warranty. The warranty from the manufacturer is usually for the entire term of your lease agreement. Which means no extra out of pocket costs for maintenance or repairs.

Con’s of Leasing

Sometimes leasing has higher finance charges.

Leasing contracts can restrict your travel! Leases restrict the number of miles you can drive per year, or per lease agreement. They usually want you to stay within a 12,000 to 15,000 mile per year mark. If you are someone who travels a lot for work, or has a long commute, leasing probably wouldn’t be a good idea for you. They can charge you if you exceed the miles, and that can be quite the hefty fee!

Again, you don’t own the vehicle. It’s not yours. In essence , you are renting a car for a very long period of time.

If you have kids – especially young kids – the wear and tear penalty fees could really add up. Or if you are a ‘bumper’ you know, you bumped into the pole, into that cart, or you just overall aren’t meticulous about the condition of your vehicle, the fees could really cost you a lot.

If you are looking for flexible, affordable ownership options and the ability to drive a brand new vehicle every couple of years, leasing is for you!

 

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Why You Should Get a Pre Approved Car Loan

Posted on July 20, 2017 by Krissyar

Before you start the hunt for a new car, one smart thing to do is get pre approved for your loan. When you are pre approved and shopping at a car lot, you are in a better position to negotiate.

It’s pretty easy to get pre approved for a car loan with credit unions, banks or online even no matter what your credit rating. When you do get pre approved it gives you a lot of benefits like better interest rate, helps you set a realistic budget, simplify the dealership experience, and like I mentioned, negotiate more effectively.

Once you are pre approved, you can set that budget for your car purchase by using an auto loan calculator. Just add in the loan factors such as down payment, trade in amount, your interest rate, total loan amount, and about 10% for taxes and such. The loan calculator will give you a general idea of where you should stick to when it comes to a total price, and don’t forget to include insurance and maintenance in your budget.

Don’t Forget to Check Dealership Offers 

A lot of times auto dealers get a bad rap – just like us insurance agents =/
But we all aren’t bad –  a lot of times they want you to get a great deal, as much as they want the sale. So don’t ignore financing offers, and especially the manufacturers incentives because they come from the dealership. A lot of times dealerships can negotiate a better interest rate then even your pre approval from the bank or credit union. Rebates, cash back and other incentives may be worth having them check.

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Pay Less and Get More with New Car Purchase Rewards

Posted on July 20, 2017 by Krissyar

Buying a new vehicle is a big decision, and also quite the commitment. You want to make sure you get the most bang for your buck, and some dealerships offer just that. Take East Hills Chevrolet for example; they offer an Auto Rewards program that is hard to beat, and a lot of other dealerships seem to be following suite.

Don’t just settle for a air freshener as a thank you gift for your new car purchase. There are dealerships out there that want to get your business – and keep it. They want to make you happy, and offer all kinds of great incentives to buy from them again..and again.

3 Day / 100 Mile Exchange Program
Have you ever bought a car and realized, “Crap, I really needed more room, or maybe a 4 door would be better than a 2?” Well with the Exchange Program you can do just that – you have 3 days, or 100 miles (which ever is less) to bring your vehicle back and get what you really want and need.

$7 Oil, Lube and Filter Change
Well, I can’t really say more than this. $7 oil changes? Filters too?! Platinum Elite members get this deal on their select vehicle, and that alone is worth it to me!

They are also offering loaner vehicles (while your car is in the shop) a free towing program, members only part & service pricing (another benefit worth its weight in gold) and tons of options that make Auto Rewards Programs  a deal ‘sealer!’ Check with your local dealership to see what type of auto rewards program they are offering in your area!

 

 

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