Christmas saving tips on cheap food

The Christmas shopping should not start in December. Dealers know the shopping behavior of customers and raise their prices around the holidays. For example, a CD player is usually 10 percent more expensive in December than in October or November.

The stock should be reviewed before the actual shopping. You do not want to buy too much of something. You may find some food hidden somewhere.

Many shops offer fresher products in the evening or morning. This is especially common with bread, vegetables or meat. The older products are usually offered with a discount.

Saving tips to eat cheaply: Products that have little before the expiry date are sold off cheap. You should be able to freeze these products partially in order to prolong their shelf life.

Haggling: If the food you want to buy has been touched or the packaging is not flawless, then you can talk to someone in the staff and get a discount. This is safe only for the brave and self-conscious buyers - and yet it may be worth it!
Do you tend to travel far for a shopping bargain? Compare the travel costs and the deal to see if it is worthwhile. Long journeys cost money and gasoline and are not always rewarding if you are only looking for a discount.

Large packs pay off only when they are actually consumed. You should give up the big pack although it is cheaper if you have a single household or you are likely to throw away half of it!

If you do not eat a large amount at once, then you can freeze the portions after preparing the good cheap food if necessary. You can take advantage of the different opportunities and have a fast food in the freezer for later!

Saving tips for vegetables: It is usually preferable to buy vegetables which are harvested in your country. For example, red cabbage usually costs only 1.99 EUR or 2.49 EUR the 10-kilo sack in the fall. Prepare the vegetables and freeze them in portions. Then you have white cabbage or red cabbage for months and very cheap as compared to frozen food.

Golf Club Tips

The grip of the club

The size and circumference of the grip of the golf club are important for the control and handling of the club. Most clubs have excellent grips suited to most players.

However, if you want to gain a finer control of your golf club and to play with equipment specifically suited to your game, then you should measure your club.

Most shops give you the possibility to calculate the characteristics of your game (swing speed) and create a club for you. This goes for the most famous brands (Callaway, Taylormade, Mizuno, Ping...)

So you own golf clubs sets with an optimized grip: you may move the hands in order to avoid losing control of the club, but do not move them too much in order not to pinch or clench your game and do not relax your wrists in the impact zone.

The handle (shaft) of the golf club

 

The flexibility of the handle of your club determines the speed of your swing. The shaft controls the clubhead and the energy at impact.

Here are the flexibilities of the golf club shafts:
The stiff or extra stiff shaft: The rigidity of the golf club handle is high. This type of handle provides control and the accuracy is increased. They are designed for players with a fast and powerful swing. Use a golf club cleaner to keep your clubs in perfect condition.

The regular or medium stiff shaft: The handle of the golf club meets the flexibility standards. It is ideal for powerful players with an average swing speed.

The lady or senior shaft: The handle of the golf club is much more flexible and is ideal for players with a slower swing. It compensates for the lack of power and increases the distance of shots.

Pay attention because many players believe that the most rigid handles are best to get a good punching power and thus lengthen the distance of the shot. Or they choose to play with too stiff shafts although their swing speed is low and this leads to a loss of efficiency on the golf course. On the contrary, your precision may be lower if the handle of the golf club you are using is too soft in relation to your swing speed.


You are invited to come and measure your swing speed in all golf stores and choose the golf clubs that suit you best.

Jackets Fit Advisor

The fit advisor for men's jackets helps you determine if a jacket is the right fit for your figure and your body constitution. All pieces of clothing should be adjusted to your body, thus the same goes for jackets.



People have different body sizes, different proportions and different clothing sizes. Therefore, it is important to pay attention to details because they are decisive. This is the only way you can see if a jacket is fitted on you.


Here are the aspects you need to consider when fitting a jacket:
1. The collar/lapel

2. The shoulders

3. The sleeves

4. The upper body

5. The hem

6. The closure/button bar



1. The collar/lapel

The collar of a jacket should go to about the middle of the neck and not stick out. Make sure that no pleats form in the back area below the collar. If the jacket has a lapel, it should roll smoothly above the first button and then lie flat. The lapels, the back of the jacket and the chest should not be too tight.

2. The shoulders

The shoulder seams should be straight and lie flat without any dents being formed. They should reach at least the end of the clavicle but not extend too far. Usually, if the shoulder seams are too long, the jacket has a poor fit. You should feel any pressure when you move your shoulders. If you do, you should look for a looser jacket.

3. The sleeves

The sleeves should cover the bones of your wrist if you bend your arms slightly at the sides.

4. The upper body

Most jacket models should be securely fastened in order to have a good appearance, but this is obviously a question of model and personal clothing style. If a jacket forms horizontal lines in the back, pulls on the hips and opens up the slot on the back (if the jacket has one), then it is definitely too small.

You should raise and lower your arms when trying on a jacket to see if it slips back into its original position without you having to put it there. Pay attention to the area between the waist and the hips because the jacket should slide down over the hips without any wrinkles being formed.

Make sure the armholes are wide enough to allow you to move your arm comfortably and freely.
Note: mens jackets with a very good fit are usually more uncomfortable than those with a poor fit!

5. The hem

If you look at the hem of your jacket from the side, it should have a quiet, straight course (of course, this applies to jacket models with straight hems).

Make sure that the hem does not protrude anywhere or roll inward or outward.

6. The closure/button bar

You should sit down comfortably when the jacket is closed. Mens suit jackets are sometimes equipped with buttons. Well, if the buttons form wrinkles in the shape of the letter X, then it is too tight and you should look for another one. If the jacket has a zipper, you should be able to close it without effort.

Have fun trying out jackets!

Information about Disability Insurance

Disability means a medically confirmed, permanent impairment of the profession caused by illness or accidents.

Disabled people cannot exercise their profession. The disability criteria are very restrictive. Disabled people can continue to work in some other areas that suit their physical and mental constitution, but can no longer exercise their original profession.

People can insure themselves against disability. The insured gets 50% coverage in the event that they remain disabled. Disabled people get a private disability insurance policy automatically.

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Disability insurance information

 

The maximum age up to which the disability pension is paid (durability or performance time) is 65 years, but an extension to 67 years can also be obtained. In this case, the insurance industry is based on the so-called standard retirement pension from the statutory pension insurance fund. The insurance period can be agreed on separately with most offers. This is the age up to which the insured can make claims against the insurers. For example, the contract period can be up to the age of 55 years and the duration of the benefits can be set up to the age of 65 years. In this case, the pension is paid if the onset of the disability is up to the age of 65 years.

Many insurers differentiate four occupational groups, each with different contribution and even tariff standards. These set the individual ratings of almost all kinds of professions. Statistically, for example, a pharmacist is rarely incapacitated while this often happens with restaurateurs. Just like in private health insurance, the application is made on the so-called individual basis, which usually leads to different contributions depending on the classification of the risk. The restaurateur thus pays a much higher contribution than the pharmacist. Usually, the collectively allowable period of insurance is up to the age of 55 or 60 for occupations which involve higher risks (e.g. skilled trades, even teachers). Age limits or maximum insurance limits are set. Whoever gets insured for the wrong job is not covered, so they may act against the directive adopted by the insurer and puts their insurance coverage at risk because the insurer can be held responsible for the violation of the pre-contractual obligation or withdraw from it.


The age, the monthly amount of disability pension, the possible guaranteed annual pension increases if indexed for inflation, the waiting period and the health (medical history) all influence the disability insurance. More and more insurers also demand higher premiums for smokers.

The so-called abstract references

 

According to the statutory scheme modified on January, 1, 2001, disability insurance is available only for those born before January, 1, 1961 and only if they are partially incapable of exercising their profession. If an employee can only pursue half of their work, then the disability insurance consists in partial compensation only.


In comparison, it has been shown that most people with mental disorders are disabled. The symptoms are often very slow and insidious. Also, physical problems that lead to the need for disability insurance are often kept secret and hidden from the medical history.