Pros and Cons of Borrowing Money from Friends and Family

At one point or another, we’ve all had to borrow or loan money to those close to us. In case one cannot access a loan from a banking institution, the second idea to mind is borrowing the money from family or friends. When done correctly, family loans can serve both individuals. Nonetheless, there may arise issues of strained relationships, uncomfortable situations and misunderstandings. In the case that someone owes you, get more info on how to get back the money you loaned out.


Advantage: Easily Flexible

At times unexpected natural calamities may make it hard to manage your financial needs. If you seek funds from a bank, you get charged extra fees in case of late payment. With family and friends, you agree on a more flexible measure and are more considerate about life events.

Advantage: Interest Income

When seeking a loan from a credit union or bank, the interest rate makes sure the deal is profitable for the lender. If you lend or borrow from someone close to you, the benefits will favour them rather than a bank.
cash dollars

Advantages: Lower Interest

When a lending institution is not convinced you will pay back a loan, they will probably charge you very high-interest rates. A loved one who trusts you will offer the same credit at a shallow interest.

Disadvantages: Shifting Power Dynamic

The money will change the relationship! When in debt to a family member, they may feel obligated to exert control over life. They may begin to criticise your lifestyle decisions and spending manner. Some may go as far as requesting to view your banking data.
You can make complete payments on time but still, end up getting the guilt trip.

Disadvantages: Messed Relationships

If you are in desperate situations, your loved one may feel compelled to help you by offering a loan. Nonetheless, some people are not comfortable with the situation but pretend to have helpful intentions. This can cause discomfort during family gatherings and create a lasting tension on your relationship. To avoid this, keep your lender in the loop on when you may pay them back and if there are any delays to expect.

Disadvantage: Limited Legal Protection

agreementWhen working with a financial institution, it is required to offer you the cash and terms lined out in our loan agreement. A friend may decide to modify the payment plans halfway through the loan. For clarity, create a loan agreement that explains the terms and conditions of the loan.


Health Mistakes to Avoid When You Are Pregnant

For most women, pregnancy is one of the best and most fulfilling feelings. Carrying a pregnancy for nine months is interesting, but it comes with lots of responsibilities. The woman needs to take care of her health and that of the child. As a result, a woman needs to be more careful about her health status when she is pregnant. Some drinks, food and drugs are not safe during pregnancy. Here are the health mistakes to avoid when you are pregnant.

Too Much Coffee

beverageIntake of too much coffee has been said to cause low birth weight in newborns, premature births and sometimes miscarriage. Thus, a pregnant woman needs to control her caffeine intake reduce the chances of this happening. Generally, a cup is safe, but a woman should entirely avoid coffee or ensure that it is below 200 mg daily.

Other than coffee it is important to limit the intake of soda, green tea since they also contain caffeine. In place of these drinks with caffeine, take water and fresh juices.

Drinking Alcohol

The baby in your tummy eats what you eat. If you take alcohol, it might pass to the unborn baby. Although the mechanism of an adult’s body enables the one to break down alcohol and release it from the body, that of the unborn baby is not capable of doing the same. Alcohol affects the formation of the cells in the baby. It also makes it hard for oxygen and nutrients to be transported to the relevant body parts. Therefore, a woman should totally avoid alcohol during pregnancy.

Herbal Drinks and Supplements

Herbs are some of the healthiest drinks and foods one can take. For many centuries, herbs have been used in effectively treating illnesses, boosting immunity and more beneficial ways. However, some drugs have been known to cause miscarriages. Therefore, you need to research on the side-effects of any herbs before taking them. If possible, avoid herbal drinks and supplements and consult your doctor if you must use them.

Contaminated Fish

pregnant We all know that fish is rich in Omega-3 which is vital in the development of the baby before and after birth. However, there are kinds of fish you need to avoid during pregnancy. The first is the one from local ponds, river or streams found near pollution sources such as factories.

This is because they are likely to contain high levels of chemicals from industrial waste. The second is the kind which is known to have high mercury levels. These are tilefish, shark, tuna as well as swordfish. Mercury causes brain and development problems in a baby. Mercury also affects the peripheral and central nervous systems in adults as well. Thus limit your intake of these kinds of fish for the sake of your health as well.


Pregnancy is beautiful, and if there is something we can avoid to make the nine months even better for the baby and us, then it is a worthy sacrifice.

How to Effectively Boost Your Keto Diet

If you have been struggling with your weight, then it is high time that you sought for effective ways that will help you lose that weight fast. Keto diet is one of the best options that can help you shade that excess weight in a matter of days. However, it is good to note that you might land on some problems especially when you are beginning. Some of the problems that you are likely to encounter include mood swings, sugar cravings, and keto flue. The good thing is that such problems can be fixed with the right supplements.

How to boost your keto diet

Avoid vitamin deficiency

If there is lack of vitamins in your body, then there is a possibility that you will experience a lot of health problems. This, therefore, tells you that if you want to lead a healthy life, then you must give that diet that is in rich of vitamins the priority. Such diet includes the foods such as fruits, vegetables, and grains. There are a lot of health benefits that are associated with that kind of diet. So if you are among those people who have a level intake of meat, then it is high time that you started changing your habits for better.

Adjust to new food habits

You need to understand that burning fats for energy instead of carbohydrates is not a joke. It is a radical change in your body and this, therefore, implies that it might take some time for your body to adjust. In this case, you are supposed to play a significant role in helping your body to adapt to now changes. You also need to understand that if your body does not get minerals and vitamins, then you are likely to have cravings that might interfere with your efforts.

Boost your energy levels

Vitamins are mainly known for professional of deficiencies. In addition to that, research confirms that vitamins can be used to do away with fatigue. Tiredness is one of the common problems that you are likely to experience before you switch into ketosis. So if you realize that you have a problem with energy levels in your body, then you can try vitamin B and C as they are also known to be very effective in providing you with that energy that you seek.

Factors Considered When Buying Ethernet Cables

It is difficult to find cables which are created equally. It is crucial to connect the network devices using the right cables. This will help in improving the performance of your devices significantly. The network cables available have different technical specifications, data transfer rates, construction, and configurations, all of which helps in determining their suitability for the various applications. Among the important factors to consider when buying these cables include the length of the cables and connectors, categories of the cables, and the type of the conductors used.

Categories of the ethernet cables

The categories of Ethernet cables are used in determining their capabilities. Some of the common networking cables used for the various household applications includes Cat 5e and Cat 5. These cables are affordable and readily available. They are mostly suited for connections of up to 100Mbps (megabits per second). However, Cat 5e can be used for supporting higher speeds of up to 1000 Mbps. It is a cable which is designed with less interference and improved reception.

Advanced cables such as Cat 6 are suitable for very high speeds and faster connections. They can support a speed of up to 10 Gbps. These cables are designed with a higher megahertz rating as compared to Cat 5 cables. Cat 6 cables can support a frequency of 250 MHz whereas cat 5 cables can only support a frequency of 100 Mhz. Cat 6 cables are mainly designed for commercial and professional installations. You can also choose them for future proofing your home network.

Type of the conductor cables

Ethernet cables are either made from stranded or solid conductors. A solid conductor has one wire per conductor. On the other hand, a stranded conductor has numerous wires. The numerous wires in a stranded conductor are wrapped together thereby creating a single conductor. A solid conductor has a sturdy design which makes an ideal option for networking wires which can be installed inside the wall. The stranded conductors are considered to be more fragile, but they are very flexible.

Ethernet cable connectors

The shorter cables are designed with their connectors attached to them. Connectors should be attached to the custom or longer lengths. The common types of connectors used are 8P8C and RJ-45 connectors. These connectors are suitable for both the Cat % and Cat 6 cables.

Length of the ethernet cables

The quality of the signal produces is inversely proportional to the length of the cables used. Long ethernet cables have slow rates of data transfer thus affecting the performance of the network. The cables used in connecting your devices should have the shortest length as possible.

Buying The Right Leather Jacket

There have been improved fashions and designs of the leather jackets over the last one century. These jackets are the most versatile outer layers that can be worn by men. You can wear this jacket at home, during the weekends or when relaxing with your friends in a bar probably after work.

Which is the best leather for making a jacket?

These jackets are either made using hides or skins. What is the difference between hides and skins? Skins are obtained from the small animals while hides are obtained from the large animals. You are advised to purchase a jacket from a reputable retailer. This is critical ensuring that the leather used in making that jacket conforms to the set standards.
The following are some of the common types of leather used in making a leather jacket.


This is the skin obtained from a sheep which was sheared recently. This skin should be properly tanned and then dressed to ensure that the wool is retained. You can wear the leather obtained from this process with either side. One side of this leather has a clipped surface which is covered with fur while the other side has a nice looking suede surface.


This is the leather obtained from a calf. In general, it has an age of fewer than three years. It is soft in nature with fine grains which makes it durable.

Crocodile and alligator

Both of these leathers are similar regarding their pattern and texture. They are composed of square scales which are known as tiles. A close examination should be conducted or done to differentiate between the two types of skins. The crocodile skin has some little dots which are close to the edges of the scales while the alligator’s skin does not have them. These dots are the hair follicles. Additionally, the crocodile’s skin is harder than that of the alligator.

Which is the best style of the leather jackets?

There are different styles of leather jackets which you can consider. They include the following

Bomber jacket

This is among the most popular styles of leather jacket. It is designed with a simple collar and zipped pockets and front. It is considered to be among the common casual styles. It is most suited when worn with jeans.

Biker jacket

It is the style which is preferred by most people. It is designed with large lapels and a flared collar.