5 Deadly Financial Mistakes You Should Avoid Now To Keep Out Of Debt Later!

Every year more families are going to the brink of financial ruin because they never properly considered their financial future. For some, it's just to stressful or emotionally uncomfortable to think about and important financial decisions get put off indefinitely. For many, they do not know and were never taught some basic financial planning tips to keep them out of debt in the future. Here are five financial mistakes you should avoid now to keep your financial future bright:

5 Financial Mistakes To Avoid:

1. Buying on credit: Today's interest rates are fairly low, but this does not mean you should buy excessively on credit! Carrying a large balance on credit cards month to month is a recipe for disaster. Finance charges alone can slowly eat you up. Buying a car on credit ties up even more of your future earnings for debt repayment.

Just a few decades ago buying so much on credit was unheard of. Children were taught early on what a huge mistake this was. We all need to relearn this lesson and eliminate buying on credit to keep ourselves out of debt

2. Making financial decision based on emotion: When you are going through great stress or emotional turmoil you are most vulnerable to making disastrous financial financial decisions. It is when you are feeling some king of pressure that you are most likely to make silly decisions that get you into trouble later. Do not make a big money decision when you are emotionally vulnerable.

3. Not adequately insuring against catastrophic risk: Every year families are financially devastated because they are not protected against disaster. Loss of home and assets to fire and flood are very common events that a surprising number of people do not protect against with insurance. You should also protect against disaster common to your area. Earthquakes and tornadoes for example. Just as important is some kind of life insurance to protect your loved ones in case of death.

4. Falling for the slick salesmen pitch: They say a sucker is born every minute. And you can be sure there is a slick salesmen waiting to take advantage of every one of them! You should never enter into any financial decision based on salesmen pressure tactics or one-time offers. Great deals that can not wait for you to think on it or obtain a second opinion are often financial disasters waiting to happen.

5. Not planning out your financial future: For many people it is so much easier to put off the tough financial planning right now and get to it someday in the future. Well we know how that story goes. Years into the future many families are neck deep in debt with no relief in sight. And it could of all been avoided with some sensible planning. Talk to a financial planner today so you can be debt free tomorrow!

There you have it. Five important financial mistakes to avoid so you can be both debt and worry free in your future. No matter where you are at right now financially, it's not to late to get started. Make an appointment with a financial planner today and get your financial future properly planned out. It's one of the most important things you can do for your family and for yourself.

Mongofiles Review

Emailing large files can be a problem in many cases because majority of email providers place a limit of 25MB. Even if your files don’t exceed that limit, it can take a lot of time for it to upload. Fortunately, there are services that offer quick and hassle-free help. One of the most notable sites today is Mongofiles. Basically, users simply need to visit the provider’s site, select the file to be sent, and write the email address of the recipient.

Mongofiles uploads the file you choose into their server and then gives you a private link. Whoever receives this link can download the file immediately, safely, and quickly. The service is definitely a great solution for those who need to handle large files. Mongofiles allows you to send up to 2GB of files which is more than enough in 99% of cases.

It’s easy to see why the service offered by Mongofiles could be so attractive but there are similar websites out there. So how is it different? One thing that differentiates it is that the provider takes your security seriously. Here are other aspects you should consider:

• Private Link – other providers may offer the same file uploading service but a key selling point for Mongofiles is that they keep your files private. Only people you share the link to would be able to access the files. On the other hand, other providers make your files searchable for other users. There is no encryption or security features offered because they make money from people visiting their website to view potentially useful information.

• No Advertisement – many file uploading and sharing sites make their money from advertisement. That’s why if you register on these websites, expect your emails to be “sold”. Even if it isn’t sold to third-parties, you will still receive advertisements and offers from the company on your inbox.

• 30-Day Active Link – the closest thing to Mongofiles is probably YouSendIt. However, the latter only keeps your sharing link active for 7 days while Mongofiles links are valid for 30 days for the free service. Links on the premium service don’t expire. In many cases, this has proven to be useful because no one wants to keep uploading the files if the recipient lost it or if you need to keep track of files.

• Free Up to 100MB - if you like what you’ve read about Mongofiles so far, then go ahead and try it for yourself; it’s free. But keep in mind that the free service is limited to 100MB of files only. The company has a no-spam policy so you need not worry about your privacy. For those who need to send large amounts of files, 10GB of space is offered at $5 a month. Business users can take advantage of the 100GB of storage with 128-bit encryption. It is available for $50 a month.

Whether you are a personal user or a business user, Mongofiles offers something for everyone. When you compare their prices with online backup providers today, it also becomes clear that you can store so much more with this provider. Read Mongfiles reviews.

Dubai Weather – What You Should Know Before Traveling to Dubai

Dubai weather can be summed up in one word: "hot". It should come as no surprise though: Dubai is situated right at the edge of the middle east over a vast expanse of desert. Its abundance to the sea does not help the weather at all and only adds to the already excruciating humidity. In this article, we will explore Dubai weather and tell you which seasons are the best to visit Dubai.

For visitors coming in from colder climates, the best time to come to Dubai is between November and March, when it is the so called "winter" season here. During this season, the days are sunny and warm. In fact, most people end up falling absolutely in love with the Dubai weather during this season – there's plenty of sunlight, ample sand, and it seldom becomes unbearably hot. In terms of absolute temperature, it hovers around 23-25 ​​degrees Celsius during this time – a quite agreeable temperature for most people. The nights, however, are much cooler, bordering on chilly.

The summers are when the Dubai heat truly shows its colors. Temperatures routinely soar above 40 degrees (Celsius). The further you travel away from the sea, the hotter it becomes. The interior parts of Dubai are absolutely unbearable during the summers. If Dubai were not such a modern, air-conditioned city, it would've looked like a ghost town in the summers.

Of course, summer in Dubai does not mean that you have the luxury of walking around in shorts and spaghetti tops. Remember that Dubai, despite being a very modern city, is still very conservative. When you are here, please respect the local culture by dressing up more modestly, even in the summers.

Whether you are traveling to Dubai in the summers or the winters, you must take care to avoid a heatstroke or a sunburn. Keep yourself hydrated at all times and wear a strong sunscreen whenever you go out. If possible, avoid going out in the daytime.

The perks of visiting Dubai in the summer are cheaper rates at all hotels and resorts. This is the off-peak season and you will find some great deals everywhere. If you are a cost conscious traveler who can bear the heat, the summer might be a good time to visit this city-state.

Finally, remember that Dubai is air-conditioned almost everywhere. The people here like to turn up the air-conditioning. A traveler unaccustomed to the air-conditioning here can easily catch a cold. Therefore, always carry a jacket or sweatshirt with you, particularly if you are going to be inside an enclosed, air-conditioned space for a long time.

Hydroponic Gardening – Managing Pests & Diseases

As with soil-based gardens, hydroponic plants require good pest and disease maintenance controls. Failure to do so creates the same results as with 'ordinary' gardens ie spindly or dead plants. Since the majority of hydroponic plants are fruits and vegetables, that means the plants are not worth eating.

However, managing the hydroponic garden is even trickier, since disease and pests have it much easier in this setting. Plants are continuously kept wet, either immersed in water ('true' hydroponics) or continuously sprayed (aeroponics) or in a permanently wet medium such as perlite or sand. Fortunately, as with soil-based gardens, there is an extensive array of available methods to manage the problem.

Using beneficial life forms is one popular way to control unwanted pests, including certain types of bacteria and fungi. These can help to control spider mites and other invaders by crowding them out, eating them or releasing compounds toxic to the pest. They're known as beneficial organizations because they do all that without damaging the plants themselves.

Different types of pesticides are available, too.

Pesticidal soaps have been in use for centuries and still provide effective and non-toxic ways to keep the pests down. One category called botanicals are compounds released by plants themselves that have been combined into an easy-to-use pest control method. Botanicals break down naturally from exposure to air and water and are brilliant because they leave no harmful chemicals behind.

Neem oil can control over 400 different types of pest that typically invade gardens, including hydroponic ones. A simple spray to the leaves can often eliminate common pests. The bugs absorb the oil, which limits their ability to reproduce, leading to a lower population.

For more serious infestations, many commercial pesticides continue to work well.

White flies, aphids, mites and other pests can be a problem in hydroponic settings, just as in soil-based gardens. Powdery mildew is common. In fact, because of the continuous moisture bugs and pests have a 'friendly' environment. Making it 'unfriendly' is straightforward enough, using fungi and organicides. Sulfur-based compounds can help control white flies, mealy bugs, thrips and more.

Pyrethrum continues to be a safe and effective means of control. Although it sounds man made it is actually derived from flowers. This class of natural compounds released by plants are extracted and used in many commercial insecticides. Dosage is low, so the compound is very safe when used correctly (always read the label). Azatrol is a broad spectrum insecticide that provides another easy control method over most common pests.

Hydroponic gardeners have to exercise additional care when using any disease or pest control method, though. Since no soil is present to hold on to the roots, it's easier to damage a plant when manipulating the leaves and stems. That means that if you pick off mites by hand – an effective method for low-number infestations – it's important to exercise extra care.

Since moisture is present, mildew and other fungi are more common in hydroponic gardens. Keeping leaves dry and just the roots wet will help. Any insecticide sprayed on to your plants or vegetable should be allowed to dry under the grow lights. For aeroponically grown plants, for example, that may require a temporary relocation of the indoor garden.