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How Insuring Your Business Can Save You Thousands

How Insuring Your Business Can Save You Thousands

In this modern age where so many businesses are fighting to compete for the top position within their industry the last thing that you need is for an incident to take place when you are not covered by insurance. No matter the industry that you work within you should definitely invest some of your income in protecting your business and ensuring that your finances are secure. Without this degree of protection if you are made to pay out it could be substantially more than what you would pay if you had cover through insurance protection.

For businesses that interact with customers especially, you should be wary of situations that could result in being sued as you could be forced to make a large payout from your own money if you do not have the correct business insurance. This has become a common practice among the majority of businesses meaning that they are protected and will not take as much of a hit if they are forced to make payment. If you wish to keep up with the competition by keeping hold of your hard-earned money then I would highly recommend that if you do not already have the correct cover, you start making inquiries as soon as possible.

Accidents and Emergency Insurance

As mentioned previously businesses that interact with customers, offer a physical service or activity, should already have the required insurance to operate. This is very important as there carries a risk of injury with businesses of this nature. If someone is unfortunate enough to suffer an issue while paying for your services then they would be eligible to sue, which is where this insurance comes in to allow you to save money on the payout. Offering insurance and helping those affected will also help to preserve your reputation and show that although somebody experienced an issue with your company, you handle them well and keep their interest as a priority by offering compensation.

Robberies

It is an unfortunate event when your business is subject to a robbery, the invasion of the space where you make your livelihood is sacred and to have that disrupted is a difficult thing to go through. With insurance, the pain can be softened by allowing you to claim compensation on stolen and damaged goods so it is definitely worth having so that you are protected in the event of an emergency. It is a shame that precautions like this are necessary but it is better to be safe than sorry to avoid huge devastation in the event of a burglary on your premises.

It is down to you to decide on the level of insurance cover that you need, this in my opinion should be dependent on the valuation of your company and how much the products or services you offer costs. Make sure that you keep on top of paying your insurance premiums so that you are secure in the fact that insurance will be there to aid you if you have an incident that is not your fault.

Liability Insurance

Liability insurance is very important when it comes to any lawsuits that you may face in your period of conducting business, no matter what the suit may entail, having a cover will help you to claim back on what you have to spend on fees and legal advice. It is my opinion that the need for business liability insurance within any company is very high, and getting it should be a big priority for you. Incidents that lead to lawsuits are never expected so you should be doing everything that you can to ensure that in the case of an incident you are able to preserve your company and the jobs of your staff without taking too big of a financial hit.

Insurance Providers

The only way that you can protect the best interests of your company is by making sure that from the offset of your business development you are paying for some degree of insurance. There are many providers out there who offer competitive rates for the larger plans, as well as easy-to-use multi coverage insurance plans that keep many aspects of your business protected all under one fee. This makes it easier for first-time business owners who are just getting started as it can be hard to remember all of the different levels of coverage that you may need.

Being insured is the only way that you can make sure your business is prepared for any eventuality or emergency, it can be a significant hit to your finances if you have to pay for everything without insurance which is crucial to the development of your small business especially in its early periods. If you don’t already have a good plan with a trusted provider you should start looking as soon as possible to help save you thousands.

How Covid Created a New Wave of Gamers

How Covid Created a New Wave of Gamers

If you look back at just a decade ago, gaming was a very rare hobby. Though we all enjoyed the odd video game growing up, not many of us picked it up as a dedicated hobby. This was partly because of the stigma associated with gamers.

All you have to do is look at the media’s interpretation of gamers to figure out why few people wanted to be pinned as a gamer. In TV and movies, gamers are presented to be losers that care more about their games than their hygiene, which we of course know is not an accurate representation of gamers.

Though gaming has been a bit of an exclusive group for some time now, something that you may have noticed is that more and more people have picked up the hobby in the last year. There is a direct correlation between Covid and the number of new gamers that have been introduced to the world and so here is a look into how covid created a new wave of gamers.

Everyone Had a Lot of Time on Their Hands

One of the main reasons that so many people have picked up gaming in the last year is because we all had a lot of time on our hands. Covid meant that many of us were unable to go to work and it certainly meant that we were unable to go to social events.

There are only so many hours in a day that can be spent watching TV and so many of us needed a new way to stimulate our brains. Gaming seemed like an obvious choice, as most of us have some form of a console in our homes.

Many people returned to games that we would often play when we were younger and many of us decided to branch out into brand new games. The world of gaming has truly evolved in the last few years and so lots of us were surprised to realise that there are many games and gaming genres to choose from. This means that no matter what your personal taste is, there is a game for you to play on the market.

You don’t have to be incredibly skilled

Another reason why so many people were put off by the idea of gaming for such a long time is that you had to have a certain skill level to play them. Due to how diverse the world of gaming is now, you don’t necessarily have to be great at games to have a fun time.

There are slower-paced games for people who don’t really enjoy the rush of PVP games, such as farming games like Stardew Valley.

If you are a fan of fast-paced PVP games, you can also enjoy them thanks to the introduction of aimbots. Aimbots make it a little easier for you to target people in games and I have personally started to use aimbots for rust, just so that I can get used to playing at a fast pace and under the pressures of the game.

Brand New Consoles

One of the biggest reasons that so many people are choosing to play games is due to the introduction of new consoles during the lockdown. The biggest release had to be the release of the PS5. The PS5 completely reinvented console technology and even the controller that came with the PS5 was absolutely revolutionary. The graphic capabilities of the PS5 have never been experienced before and so even people who don’t really game just had to try it out for themselves.

Why Medicine Prices are Set to Skyrocket in 2022

Why Medicine Prices are Set to Skyrocket in 2022

The last few months have been difficult for so many of us, with the pandemic situation causing significant strain on our worldwide healthcare teams and drug manufacturers struggling to keep up with demand. It is said that the prices of many household medicines are going to increase as we get further into the coming year and unfortunately it could be some time until things get truly back to normal for many of us. There are many reasons behind this price increase with one of the main ones being that the pandemic has simply put us behind the development and production rate of many medicines that we have some catching up to do.

I will be going over some of the factors that have resulted in this big change, but as we work harder and harder across many industries you should know that progress is being made on the journey back to normality. The medical industry has been in total chaos throughout the pandemic so it makes sense that the price change would occur now that more funding is required. It may not be ideal for everyone but unfortunately there is little that can be done to make a difference.

Increased Demand

As mentioned previously the coronavirus pandemic is a huge factor when considering why the price of medicines is set to increase, the huge demand for medical supplies worldwide is something that many of us have had an experience within the last year and this just the tip of the iceberg in terms of how hard those in the medical industry have been working. As more and more people around the world are in need of drugs and basic supplies like PPE that were getting in short supply, priorities have shifted in making sure that medical providers had the tools they needed to treat the huge influx in illness around the globe.

Increased demand has placed a lot of stress on the industry making it harder to keep on top of the huge development plans that were previously in place. Where focus should have been on developing new drugs to innovate treatment options, companies had to place more of a focus on maintaining worldwide medical supplies thus causing a halt to any other projects.

Trade Changes

Another economical change that affected the medical industry would have to be the Brexit situation, with the Uk leaving the EU and affecting trade options for many industries it became harder to rely on external companies for help. Trade was also affected which is a big source of medical supplies both going in and out of the UK, this is set to increase the price of many household goods and not just within the medical category.

The world seems to be in a fragile state right now which means that time must be given to allow for some sense of normality to return, if the medical industry needs extra funding to progress how it should then a slight price change to our medical supplies is the least that can be done.

Changes in Most Commonly Used Medicines

Another big reason why the cost of medicine is set to increase could be due to a societal shift in how much traditional medicines are used in the home. As we have seen a huge increase in the amount of people who are treating illnesses with new, more natural products that have entered the market. Health supplements have increased in users significantly in recent years as awareness of what they can do for your health is spread further. Products like CBD in particular have grown to be very heavily used in the home.

CBD is a completely safe to use product that has huge benefits for people suffering from pain, anxiety and sleep deprivation as it can have a soothing and relaxing effect on the body. With these issues often having quite strong treatments with strong side effects, a more natural product like CBD is going to be a better alternative.

This popularity however, has caused an increase in the pricing of many CBD products with many people questioning why CBD can be so expensive. I would argue that this is partly down to its popularity, but also due to the increased quality of the product. As more and more people use CBD to treat their issues the product has been developed to be of better quality meaning that it will cost more to manufacture and purchase.

Impact of the Coronavirus




As mentioned previously the coronavirus is a big reason why the price of medicines around the world is going to increase, not only because of the increased demand of basic supplies and disruption to development plans but because more and more people were in need of common household medicines. The coronavirus exhibits itself through symptoms that are similar to the flu or household cold, this meant that medicines and remedies for these issues were in low supply at many retailers and drug manufacturing companies had yet another issue to deal with.

Overall I would argue that the price increase will be a big help to these companies and help them get back on track with the stage they should currently be at in their work. If a slight price increase is needed to complete this work I would say that it is worth it in the long run, as medical development is something that we all eventually benefit from.

What is Dropshipping and Why Are So Many Businesses Choosing to Use it?

What is Dropshipping and Why Are So Many Businesses Choosing to Use it?

Running a business is something that isn’t always reliable. Effective and profitable business practices change and fluctuate consistently, especially in a time of such economical unrest at the moment. Attempting to find ways to save money is key to a successful business but eventually you can get stuck behind a wall. But have you heard of drop shipping? It’s a new technique that businesses are starting to rely on more and more frequently. Let’s talk about what drop shipping is and why it is becoming so viable.

What is drop shipping?

Drop shipping refers to a method of holding customer stock for your company. Currently the most popular way to hold stock is to bulk buy in advance to make sure you don’t run out going forward. Whilst this has been a somewhat effective tactic so far, it isn’t always completely cost effective.

There is often a chance that you over buy stock which then ends up getting left behind. Drop shipping solves this problem. They way it works is you sell products to consumers and then buy the right amount of stock and material needed for said products before shipping it right off. There are a lot of benefits to drop shipping, but they all come back to saving you money, which every successful business wants.

How does drop shipping help you save money?

The first major way that drop shipping will help you save money is on buying the stock itself. Using drop shipping will make sure that you don’t over buy on stock and end up loosing money if you have a bad month for sales. You will always have the right amount of stock all the time.

The second major way that you will save money using drop shipping is on storage space. If you are a smaller business, rent out storage space for you stock can do a considerable amount of damage to your profits. With drop shipping you don’t need to hold any stock because it goes straight from the production line to the customers. Effectively you will just act as a storefront, a middleman between the product provider and the consumer. A considerably more profitable work model that requires less work on your part.

What are some of the other pros of drop shipping?

Being a company that doesn’t require on holding physical inventory means that you can be incredibly flexible with where you run your business out of. You can very feasibly run either an at home online business or you can open up a high street storefront without much extra work changing over. You could very easily do both if you feel like there is the market for it.

Not having inventory to manage is also an incredible benefit. Yes, it saves money but more important it saves on time. You won’t have to spend an hour at the end of the day checking your inventory or even works having to hire someone to take on that workload. You can use that extra time to do the things you enjoy doing outside of work hours.

Not holding the inventory, yourself means that you will be able to provide a much wider range of products for your customers. You’re not stuck with just what you have in the inventory, your customers can order anything from any of the wholesalers and manufacturers that you buy from. Don’t go too wide the number of products that you sell though, it can be quite overwhelming for customers if you sell everything from health products to video games consoles.

Are there any issues with drop shipping?

The only major issue with drop shipping is getting stock and a consistent and reliable rate. It’s going to be a little harder to find a place that accommodates for a consistently changing set of orders each month that also is accommodating to the speedy delivery that would be needed. It wouldn’t be impossible, however.

There are some drop shipping specific companies. A good example would be Sourcingbro, they are a sourcing agent in China that provides a more personal service for your product sourcing needs. Companies like this are going to be key for you to overcome early hurdles in using drop shipping.

Another slight issue with drop shipping is that there are more costs. Sure, you will be saving a lot of money in terms of inventory management, but some of that saved money will go towards shipping costs and the fact the supply chain is bigger than if you were handling the stock yourself.

It’s also important to make sure you are on top of all the admin. Drop shipping isn’t easy all the time. Admin can get quite overwhelming if you’re not careful. You are going to be dealing with way more supplier and manufactures than your average store front and you are likely going to be dealing with them more often.

In conclusion, there are issues with drop shipping. The extra admin work that comes with it will definitely be a nightmare to deal with at first, but if you keep on top of it, the extra saved money and other benefits will quickly outweigh the initial issues that you will run in to. In no time you’ll be a complete drop shipping convert in absolutely no time whatsoever.

Lenders in Norway Have Raised Interest Rates In Line With The Central Bank

Lenders in Norway Have Raised Interest Rates In Line With The Central Bank

Norway has a deeply impactful strategy to help the nation and its people come out of the COVID-19 pandemic in the most positive way possible. A huge part of this process is undoing a lot of the policies which have been brought in over the last year and a half, as they were focused on keeping the economy stable and the public alive, but now it is time to look to the future and start fixing the damage the virus has dealt.

  • Increased Interest

While it will take years to get back to the economic projections of the pre-lockdown world, these strategies are starting to come in to effect now, with one of the biggest ones so far being the raising of the key interest rate to 0.25%.

While this may seem like an insignificant number, when you extrapolate it to the kind of numbers you are expecting from large personal loans and mortgages, it represents a significant increase in the amount that citizens will be expected to pay back.

  • Following in Suits

The aim is to bring interest rates up to 1.75% by 2024, which is a much more intimidating number, but it is all for the greater good in ensuring that the country can stay strong and recover the significant amount of loss over the last 18 months.

In response, key mortgage and loan providers have raised their interest rates to match or, in some cases, exceed the government-sanctioned level. Even with the months of warning from the government and media, this still seems like a sudden change as many of us have gotten used to the 0% interest rates banks offered during the time of global crisis.

  • Why Should I Start Paying More?

Key members of DNB, as well as other firms, have stated that it is now time to look towards the future of Norway and that this raise in interest was not only expected, but necessary to ensure the growth of the country as a whole.

While 0% interest loans is great for a while to help the public get back on their feat after long periods of uncertainty, it isn’t ideal for the nation’s economy. As much as we like to demonise banks in the modern age, it is importing that they can make profit from loans to allow banks to lend to more people and keep the economy moving swiftly and efficiently.

  • When Will this Hurt My Pocket?

Those looking for new loans and those with existing loans with remaining repayments can expect to have their rates raised starting November, making this a very important time to make sure you have your finances organised and some extra money free to help with the increased value of repayments.

As a populace I feel we have already become too used to having access to interest-free forbrukslån på dagen we needed them, and this interest rate raise will be an annoyance to many, but it is a sign that our nation is healing and that the future is bright.

  • Easing it in

Luckily, this scheme is being phased in slowly to help all borrowers deal with the change in repayments while allowing lenders to start building their profit margins quick enough to keep their organisations growing. Further increases will be small to match the current increase and they will be distributed at regular intervals throughout the next few years.

Especially with the Norwegian government’s transparency on these matters, it will be very easy for your average citizen to stay prepared for the increases if they make sure they keep one eye on the news and future government announcements.

How Growing Plants at Home Can Improve Your Mental Health

How Growing Plants at Home Can Improve Your Mental Health

Mental health is a huge struggle that so many people suffer from on a regular basis, it is important to remember that anything to do with your mental state and any conditions you may be suffering from is completely personal to you and there is no cure that will work for everyone. There are many ways that you can help boost your mental state and getting a new hobby to occupy your time is a great way to do this, and if you find a new activity that you love you could see a real improvement in how you feel on a day-to-day basis.

Plants and looking after plants is a great hobby that you could give a try, there are many ways that plants can help you to boost how you feel mentally including providing a needed distraction from things that are making you feel bad. If you stick it out you will have fully grown flowers and other produce in no time, provided you do proper research into how to look after your plants especially if you are someone who is new to this hobby.

In this article, I will be discussing the various types of home gardening as well as the benefits they can have on your mental health. It is a huge factor within mental health when someone has too much free time to think about negative issues going on in their life. Having an activity to do when you want to escape could be just what you need to help rectify this and get your life back on track so that you can spend time enjoying life with your loved ones.

Growing Plants as a Hobby

Growing Plants as a Hobby

As mentioned previously, starting to incorporate a new hobby in your life could really help to boost your general mood and mental health. If you are not interested in gardening then there are a number of different activities you could start depending on your preference. However, those of you with a keen interest in growing your own plants should definitely give it a try if you can find the time and space within your daily life. Getting started in growing your own takes little money and effort and you can get started with only a few basic items, as you start to enjoy it more and more you can build your collection and the plants you choose to grow around your home.

For beginners who are just getting started with this new activity, I would highly recommend that you start small with a few pots around the house, this way you are able to test the waters and see if this is something that you enjoy doing and if it is something that you will actually get use out of around the house. With mental health issues, you should try a few different options of helping you to feel better in order to find the best method to fit into your busy schedule.

Creating a Relaxing Environment

Another way that gardening can help boost our mental health is that it forces you to create a relaxing space within your home, most plants need to be outdoors at some point which provides the opportunity for you to create your own little escape area in your garden with your plants. Having this space where you can go if you are feeling sad or distressed can be a big relief to your mental health.

Home Grown Produce and its Benefits

A big aspect of growing your own plants at home that many people forget about is how easy it is to grow your own fruit and vegetables. For people with an interest in cooking as well as gardening, this could be the perfect combination for you. Growing your own simple vegetables and fruits like strawberries is very easy and can be done in small pots to suit people who do not have much garden space. There is a real sense of achievement that comes with growing and then eating your own vegetables and the quality of fresh produce that hasn’t been altered with preservatives and other chemicals cannot be found elsewhere.

As is the case with the majority of gardening, tending to your fruit and vegetable plants can be a big distraction from any stresses or issues in your life that are affecting you mentally. This is why it is important to find new things to enjoy by trial and error, as you could end up finding a new hobby that really boosts your mental state. Growing your own food could be easy to do by simply planting a manageable amount of seeds and ensuring that you tend to each plant on a regular basis to ensure they thrive.

Legalization of Certain Plants

The legalization of marijuana has taken many years to finalize in some parts of the world, the US has been welcoming to marijuana users for many years now including personal use in many states including Los Angeles and Colorado. This has done wonders for anxiety sufferers as marijuana is a big help in dulling the panic sensation that can take over during anxiety attacks and other issues.

The fact that you can now also grow your own cannabis also helps as it ensures people are able to access a trusted, high-quality supply. And the developments in these plants include autoflowering cannabis seeds in CO which speed the growing process up and boost the amount of final product you receive.

Developing Your Gardening Skills

Developing Your Gardening Skills

A huge part of growing your own plants at home is how much you learn through experience, you will learn things through practice, and getting the hang of any tricky gardening skills is very easy with helpful guides available online and in many bookstores. If this is something that can help you mentally then I would argue that it is worth the time and effort, seeing something that you have made and looked after grow into a fully formed plant brings a huge sense of achievement that cannot be replicated.

Why Companies Are Buying Private Land to Host Events

Why Companies Are Buying Private Land to Host Events

We are all extremely lucky that the world is starting to return to some form of normality. Last year it kind of felt like the world stood still for a while and nothing was happening. Luckily, we are no longer at a standstill and it feels like things are actually happening in the world.

Last year, it felt as though you had no choice but to stay in as there were no events taking place and nothing of interest was really happening. Now it feels as though companies are starting to overcompensate for the time that was lost and so there are a bunch of events planned for the upcoming future.

Something that you may have noticed is that events are not taking place in their usual places. Before, it was common for most major events to happen in public spaces, so that many people could participate. Holding events in public spaces made it much more accessible for people to get to them, so why exactly are companies now choosing to buy private land to host their events?

To Keep The Events Small

Though the hardest part of the pandemic is over, we have not quite returned to normality yet. The last thing that the world needs is the number of people affected by the virus to increase again and so event planners need to take the appropriate measures to ensure that this doesn’t happen.

Most private land that is on the market right now is not incredibly big and so has a limitation on the capacity that it can hold. Having a capacity limitation will ensure that companies do not feel the temptation to sell more tickets to the event to make more money. Keeping events numbers to a small amount will make it much easier to police the spread of the virus.

A way in which event hosts have been trying to keep the virus under control is by offering tests to anyone wanting to enter the events. You can now use rapid tests to test people before they come into events, which take around thirty minutes to complete. If there was a large number of people entering an event, then it would take an extremely long time and would cost the event host a substantial amount of money. By limiting the size of the event, the event hosts are making the process much easier, which will add to the normality of the event as it happens.

Not only will you save time on testing the people hosting the events, but keeping the number of people attending the events at a lower number will also keep those that are there much safer.

Buying Land Saves Money

Depending on what kind of company that you own, it is likely that you will be aiming to host several events in a year. Hosting events is a great way to allow your workers to network with other businesses, as well as give you a chance to fundraise and improve workers morale.

If you a company is hosting several events throughout the year, it just makes sense that they buy land to host these events on. It can cost thousands to rent a plot of land to host an event on, just for one evening, so imagine how much a company will spend over the course of a year.

Once a company buys a plot of land, then they can use it however they please and they only need to spend money once. Even when they are not hosting events, companies can use the land for other activities, such as team-building events or company days out.

Having a plot of land that they can use for a variety of different reasons can save a company a lot of money, as they won’t have to constantly outsource to other companies in order to use their land. It is also a fantastic future investment, as a company may wish to expand in the future and may need additional space for storage or to build new premises.

It is Much Cheaper to Buy Land From a Private Seller

If you were in need of land and you turned to a professional realtor company for help, then they may charge a large amount of money for this land. This is because they aim to make a good profit for the seller and also enough money for them to gain a good commission.

Private sellers do not like to turn to realtors often, as it means they miss out on a lot of money. If you are someone that has an excess of private land at your disposal and you don’t want the hassle of trying to sell your home through real estate agents or online display, you can always reach out to a company that will buy your land fast, you just need to advertise your land and reach out to local businesses that may be interested.

If you are on the other side of the coin and you are looking to buy land, but you are having no luck finding any within your price limit, reach out to local farmers and other people that own a significant amount of land, as they may be easily persuaded to sell their land to you for a more than reasonable price.

It is all about knowing where to look and having the right connections, as this is how you can save the most money.

How the Pandemic Created a Proposal Spike

How the Pandemic Created a Proposal Spike

The pandemic changed a lot of things for people globally; how they work, how to avoid getting ill, learning new skills. And for some, the pandemic helped people to figure out their love-life. Some couples realised after spending so much time together that they weren’t as compatible as they thought, and split up. Others realised how much they love their partner and want to be with them, and to cherish the moments they spend together. This lead to a small spike in proposals, and if you are thinking of joining this trend and proposing to your significant other, then here are some things you might want to consider first.

How to do it

This one may seem like a no-brainer, but it can be really difficult to plan these things ahead of time, especially when you don’t know what places will be open to use as the perfect spot. And not only that, engagements are an extremely special, intimate moment that your significant other will likely remember forever – so that means you’ve got to know what they like. If your partner doesn’t like being the centre of attention, and you invite everyone you know to do a surprise proposal, they likely won’t enjoy it as much as they could have. And vice versa, if your partner loves big events and making memories, then thewy may be disappointed if you took them somewhere private to propose. You also need to consider whether or not you want pictures or a video of this event, or if your partner will want them if you don’t, in which case you can hire a photographer or ask friends to help. But if you do this, make sure you keep this as a surprise for your spouse, that way it’ll be so much more exciting and heartfelt to receive those pictures from you.

What ring to get?

The ring is one of the most important parts of proposing, it will be what everyone asks to see when your partner tells them the good news, and it will signify how much you love and know your partner. It is definitely best to discuss with them well before you propose, so you know what budget you can stick to, and to make it as personal for them as possible. If you know your partner loves big flashy engagement rings but you just don’t have the budget for it and really want to make her happy, then you could look into options such as moissanite engagement rings which have the same look as diamonds, but are far more sparkly and much much cheaper. There are plenty of cheaper options for other expensive stones too, including lab grown diamonds which are much cheaper and better ethically sourced than real ones. But make sure you ask your partner what they want, and especially make sure you find out their ring size!

Budget

This one not only applies to your engagement, but to your eventual wedding too. Engagement rings can get extremely expensive, especially if you want to get one custom made or designed, and if you’re planning on proposing somewhere romantic or a bit more out there to celebrate the occasion, then you’ll want to make sure you can afford all of that without breaking the bank. It is a good idea to have a savings account set aside specifically for this, and to have a set amount you want it to get to. It would also be good to make sure you shop around and look out for any deals or vouchers you could get to help pay towards the event. You’ll also want to discuss with your partner whether or not they’d like an engagement party to commemorate the event, and is this something you’re going to single handedly provide for, or is there a possibility you can get family to chip in too.

All in all, the main theme of these tips is to PLAN. Plan where it is happening, plan what ring to get, and plan how much you’re willing and able to spend on these things. It may take a lot of time to be able to fully have everything prepared, so this definitely shouldn’t be a spur of the moment decision. Not to mention, you really need to make sure that this person is the one you want to spend the rest of your life with, and that you’re not just getting engaged for the sake of it, or because they asked you to. Think about everything ahead of time, plan in advance, and your proposal should go over very smoothly.

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