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      "body": "@@ -1,8 +1,84 @@\n+https://rampages.us/izdivine/wp-content/uploads/sites/8175/2015/10/141.jpg%0A%0A\n Your moo\n",
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      "body": "Your mood is greatly affected by your home's appearance. The ideal home is a living space that provides you with a comfortable place to relax with family and friends. You will be much more satisfied with it if you decorate it in a way that shows off your personality and is more practical for daily use. The tips in this article will help you to make some positive changes to your home, creating a living space that you are much happier with.\n\nConsider how comfortable your home is. Although we all live in imperfect homes, the real problems often come from fixable irritants. If you find that something in your home is not working for you, change it. Restore or replace your uncomfortable chair instead of sitting in it a minute longer! Lower the shelves that you can't reach! Sick of banging your knee on that old coffee table? Why not exchange it for a shiny new round one that will not only be safer but will make your house feel more like a home!\n\nSometimes, rearranging things is not effective in eliminating that closed in feeling. When you experience this, building an addition to your home may be a good idea. Have you considering relocating a wall within your home. Even minimal movement can add a massive change to the appearance of the room. When you feel like you have more room, you feel a little more free and a lot less stressed out.\n\nAdd facilities designed for recreation. Some great recreational additions are swimming pools, hot tubs, and basketball hoops.\n\nOne of the things that often gets overlooked during home improvements is the lighting. New light fixtures can add an instant update to your home, making it feel fresh and new.\n\nLandscaping is a great idea. A well manicured lawn will fill your neighbors with envy and motivation to keep their lawns looking just as good. You will feel great when you smell your lawn's fresh grass each morning. Improve the air quality by planting some plants in various areas, and enjoy the fresh, clean air.\n\nThe curb appeal of your home can be changed dramatically with just a few simple changes. A few coats of paint, a new roof and new windows will help improve your home's look while saving you money.\n\nSince much time is spent at home, if you are really happy with it, you will be happier overall in life. Because of this, home improvements are a great [investment](http://smartcitygeek.com/category/investment/) in your overall well-being, and also a good way to increase the value of your home.",
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      "body": "![download.jpg](https://steemitimages.com/DQmbBJVLQoxaCUuHgSVCNNyn289MjFTpz6wnjkr4JhVKAAm/download.jpg)\nLife insurance is an essential part of financial planning, but understanding it, and buying the right policy can be tricky. There are whole and term life, riders and convertibility clauses to make sense of, and then you nave to choose the right one. Here are some steps you can take to ensure you get the perfect policy for the best price.\n\nWhen considering life insurance, it is best to buy it as soon as possible in your career. Rates will only go up as you get older, and with the addition of other ailments that you might be diagnosed with you may not even qualify for coverage. Start as early as you can and try to lock in a low rate.\n\nIf you worry a lot about your family, you should get life insurance for your own peace of mind. In the even of your death, your family would get money from your life insurance. If you are not earning enough money to support your family after you are gone, you should look into life insurance as an alternative.\n\nBe the early bird when it comes to purchasing life insurance. One way to save money on life insurance (http://smartcitygeek.com/insurance/) is to purchase it early in life while one is still in good health. Insurance premiums can be quite high for those who wait too late or until health problems are emerging.\n\nDo not purchase more life insurance than is necessary for your family's needs. The higher your coverage is, the higher your premiums will be. A million dollar policy sounds nice, but chances are you'll never even have to cash it out. Save yourself the money and just choose a policy that covers your needs.\n\nWhen you are choosing life insurance, make sure you are only paying for what you need. Think about what your life insurance will need to cover. It may need to pay for the funeral, a mortgage, or college for kids. Or if you have a separate account for your children's college, you would not want to pay for that.\n\nIt's a great idea to work on estimating the funeral costs in your particular area before finalizing any policy. Say you're only trying to take out a policy for 20k. Well, funeral expenses and other death-related expenses might run upwards of 15k, leaving your family very little left over once your funeral is covered.\n\nSometimes people with life insurance (whole-life, not term) feel like updating or changing their policies after a few years, especially when a company introduces a better policy. This is why it's important to think first before getting into a commitment, because changing now could cost you your premium payments and policy. So you should avoid this.\n\nTo save money on your life insurance policy, improve your risk class by getting in shape. Something as simple as losing weight, reducing your blood pressure and cholesterol, or quitting smoking can save you a significant amount of money. Be sure to take a medical exam as well before you apply for life insurance to insure you are not surprised by extra fees.\n\nBefore you subscribe to a life insurance, you should carefully go over the policy. If you do not understand everything on your policy, have a professional explain it to you. If you notice anything unclear or that is not going to work at your advantage, you should probably consider another insurance company.\n\nAs you read, life insurance is incredibly important to your current and future financial planning and so is understanding all the different kinds. With this understanding, it makes it easier for you to determine what policies fit your personal needs. Following these simple tips, is a very good starting place.",
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