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Author: Nick McLane

  • 5 Smart Devices to Improve Your Golf Game

    5 Smart Devices to Improve Your Golf Game

    The Players Championship starts today, so what better time to take a look at all the smart toys out there to improve your golf game. Smart devices are everywhere and in everything, golf just seems a natural fit. We are always looking to drop our score and an edge up and we need the data to do this. Well these 5 devices will have you the envy of your club house and playing like a pro.

     

    1. Cobra’s “first connected golf club.”

    The $349 King F7 Driver pairs the club with a smartphone app that allows you to track your game via GPS. Beyond that, the club features three different centers of gravity, allowing you three different potential approaches and flight paths. Say that again, yes it is Equipped with 3 Center of Gravity settings for maximum distance.It features an Arccos sensor seamlessly integrated into the grip to automatically record each drive, providing real-time stats for distance and accuracy. Not to mention it is one of the baddest drives out there even with out the connect.

     

    2. GolfBoard

    This electric-powered vehicle, which evokes a skateboard or snowboard, replaces a golf cart and promises to literally speed up your round of golf. Recently it’s gone from something vaguely futuristic to something you can find at more than 300 courses worldwide. You can even buy your own. Prices start at $6,500 for the standard model that motors up to 10 mph. Yes it looks like fun, and yes it will provide endless hours of youtube fail videos.

     

     

     

    3. FX-Sport VC Golf headphones

    FX-Sport specializes in wireless sport headphones. Its new VC Golf model is called “the first psychological coaching device for golf.” On it, you can access hours of soothing, sage words from golf gurus — they get in your head so you don’t lose yours. It’s listed at $199. The Headphones are preloaded with many hours’ worth of psychological coaching, mental preparation, practice drills and workouts, from world class golf psychologists, coaches and trainers. All practice drills have a strong emphasis on the psychological. Advice on how to focus, what to focus on and what to do when things are not progressing as you would like. I wish I could change the voice to Ty Webb. Be the ball Danny!

     

     

     

     

    4. TLink GPS Golf Watch

    Wearable golf tech that displays instant yardage ⏤ the distance to the back, middle, and front of the green ⏤ on 40,000+ courses worldwide. Simply open up the GPS app on your smartphone, connect TLink with your phone. Never worry about what club to use, you have the data right there.

     

     

     

    5. SetupEye

    Im pretty sure this was frowned upon in Caddyshack 2 but If your alignment is off, then you aren’t going to come anywhere close to firing on target. SetupEye uses lasers and “target lock technology” to help golfers take dead aim with absolute confidence. Simply lock onto the flag or your chosen target through the viewfinder, press the button, and place the device on the ground between you and your golf ball. From there, just follow the shooting green lightsaber as it points the way.

     

    The Final Thought

    You got the ultimate club to track your swing from your drives, the watch to tell you exactly how far to the pin and a golf coach in your ear. You are navigating the course quickly and stylishly on your gold board and you have the target locked on the hole to nail this last putt, see you at the tavern for a beer you golf pro.


  • 3 Crazy New Credit Scams, Don’t Be A Victim!

    3 Crazy New Credit Scams, Don’t Be A Victim!

    Let’s face facts – if you don’t take credit fraud seriously, scammers will, and at your expense, search for credit fraud alerts. At a time when more and more people are turning their backs on cash in favor of credit and debit cards, the risk of credit fraud is higher than ever. Yet Americans don’t seem to be doing enough to protect themselves against credit scams.

    In this new generation, you might have had to be convinced by your kids or grandkids at some point that using your credit card online is safe. “It doesn’t feel safe,” you may say, but they tell you that’s the way everyone shops all the time, and their credit card information is totally safe.

    But they’re wrong. Credit card numbers do get stolen, and credit fraud does happen, both online and offline. In fact, security experts say virtually everyone has been the victim of at least one data breach at this point.

    New survey data from AARP show that Americans are unnecessarily putting themselves at greater risk by failing to adopt smart digital safety practices. In fact, 47% of U.S. adults have reported being victimized by a fraudulent purchase using their credit or debit card.

    Here is a look at 4 of the most convincing scams that you will want to be on the lookout for:

    1. The Jury Duty Credit Card Scam

    In this scam, the con artist calls the victim claiming to be a representative from the local court in their area. They tell the victim that because they failed to show up for a scheduled jury duty an arrest warrant has been issued in their name. The victim replies by saying that they never received a jury duty notice.

    The scammer then says that, in order to clear up the matter, they need to verify some information. The scammer will go on to ask for personal information including the victim’s address, social security number, birth date, and credit card numbers. The unknowing victim, who is frazzled and worried about the arrest warrant, complies and gives the caller the information, becoming subject to identity theft and credit card fraud.

    2. “Skimming” Your Card

    Skimming machines, known as “skimmers” have become high-tech these days. Recently, skimmers have been found in gas pumps and ATMs across the country. With these skimmers, credit card data is collected and transferred via Bluetooth to the scammers who can then replicate the cards and go on a shopping spree. Other traditional, less technological skimming tricks include restaurant waitstaff and retail employees skimming your credit card and then using it to make small purchases that are very often missed by the victim.

    The bottom line is that you should always look your bill over carefully each month and report discrepancies immediately to your credit card company. If reported in time, you will never be liable for fraudulent purchases.

    3. Scam Phone Call Claiming to Reduce Your Credit Card Debt

    In this marketing scam, the victim receives a phone call from someone who claims that he is a representative of their credit card company and can get them significantly reduced interest rates and debt payments. The catch? The victim needs to provide their credit card information to confirm their identity.

    Recently, these types of marketing cons came under the scrutiny of the FTC, and it is now illegal to demand upfront fees for debt settlement services. In addition, debt reduction companies are now required to maintain a dedicated account, entirely owned by the client, for use in paying creditors. However, not everyone knows this and therefore is still a potential victim to this sneaky scheme.

    Make sure to monitor your credit card statements, bank statements, and credit reports on a regular basis. The earlier you catch a potentially fraudulent transaction, the better the chances that you’ll be able to prevent further trouble!


  • Tips for Signing up for Life Insurance

    Tips for Signing up for Life Insurance

    If you’ve been looking into life insurance, it can be a complex and daunting field! Whether you’re worried about your spouse, children or even grandchildren, life insurance is a great thing to have. You never want it to come up, but someday your family will need it!

    Tips for Signing up for Life Insurance

    Visit Your Doctor

    The first thing you’ll want to do before signing up for life insurance is head by the doctor for a quick check-in. This is doubly true if you used to smoke but don’t anymore. Similarly, if you were overweight but have lost weight since your last check-up, you’ll want this reflected in your records.  That said, this is a good practice anyway: checking in with your doctor regularly is important, regardless of whether you’re looking to get life insurance soon!

    Buy Layered Coverage

    You probably don’t need one gigantic policy. You can save yourself some money by layering your coverage and buying coverage for different lengths of time and with different criteria. While this might sound complex, it’s not too hard to accomplish. You simply see what your life insurance needs are and figure out how much coverage you need. Then, take out individual policies that offer the coverage you need! That way, you’re getting more coverage for less! That’s the definition of a win-win.

    Volunteer No Unneeded Information

    While it can be tempting to simply offer up all of your info unbidden, it’s best not to. When it comes to life insurance, you should only tell the insurance company the information that they ask for. A lot of times, you’ll be penalized for information like whether either of your parents died of cancer. However, some applications will only ask about things like heart disease. It’s okay to simply answer the questions they ask, and not offer any elaboration unless they specifically request it.

    This might seem a bit counterintuitive: after all, no one wants to be dishonest. However, it’s not dishonesty if the insurance company doesn’t ask about it. Simply offer them the information they’ve asked for and you’ll make things much simpler for yourself!

    Whether to Have an Exam

    We highly recommended getting a policy that has an exam if you’re healthy. This is where that doctor’s visit from earlier comes in handy: if your doctor gave you a clean bill of health, you can save some serious money with an exam policy. The policies that don’t have exams can be anywhere from three to six times more expensive than those that do! Don’t spend money you don’t need to, if you’re healthy, go with the exam!

    If you’re not in terribly great health, however, it might be less expensive to get a no-exam policy. However, you should discuss with your doctor any health issues that you think are affecting you. We highly advise you talk to a knowledgeable independent insurance agent if you feel as though your application may be complicated by poor health.


  • Tips for Saving Big on Your Next Car Rental

    Tips for Saving Big on Your Next Car Rental

    When you take a trip out of town, one of the expenses you have to keep in mind is your car rental. However, you don’t have to break the bank just to rent a decent ride to get you around town! Today we’re going to help you save big on your next car rental. Save your money so you can afford to do more fun things on your trip or vacation! Trust us when we say you’re going to be thankful you read this list the next time you travel out of town.

    Tips for Saving Big on Your Next Car Rental

    The Basics

    Most major car rental companies offer coupons for their services that you’d be remiss to not take advantage of. If you’re anything like us, you love finding great deals lurking around the internet. Use some search engine mastery or a plug-in like Honey before you fork over any cash for the next car rental you pay for. There are many sites that collect coupons and codes from many of the biggest car rental companies, so saving money could be a few short clicks away.

    Another basic thing you can try is to simply ask for a discount. You’d be surprised at how many companies offer discounts for various organizational affiliations. For example, if you’re in the military or a retired veteran you may get a discount. Many places offer discounts for AAA members, or AARP members. It never hurts to ask what kind of discounts you can get! The worst that could happen is they simply tell you that they don’t have any discount programs.

    Frequent Flyer Miles

    Another discount you might find could come through your frequent flyer miles. If you’re a member of a frequent flyer program, such as through your credit card company, you might be eligible for discounts on rental cars using your miles. Sometimes frequent flyers don’t even realize these savings are available through their rewards program! Additionally, your rental company may be able to offer you miles in return for renting through them. As always, it never hurts to ask!

    Rental Car Loyalty Program

    Much like with frequent flyer programs, it might be a good idea to look into a car rental loyalty program if you’re out of town and renting cars rather often. Many of these loyalty programs are free to join and give you tons of benefits for sticking with your favorite rental company. Often these programs will allow you to store up points the more you use the company in question for car rentals.

    Once you have so many points, these programs typically allow you to cash them in for upgrades to your rental, or even outright free rentals. While these programs might not occur to you right away when you’re thinking of savings, they’re a stellar way to keep extra cash in your wallet. After all, if you’re often out and renting cars, then you might as well get rewarded for it!

    Shop for the Best Price

    Make sure you do some research beforehand if you plan on heading out for a vacation or distant trip. After all, it can be difficult to find the best price on a car rental when you’re standing in the airport. Instead of getting caught out like that, do your research at home before you set foot on the plane.

    Many websites, like Kayak and other price aggregators, allow you to see a number of car rental prices side-by-side. This allows you to pick and choose which prices look the most appealing to you. This ensures that you not only get the best deal, but it also means you know what you’re in for when you land in a distant airport.

    While you’re online, you should also consider prepaying for your car rental. A lot of people don’t realize that you can save as much as twenty percent if you opt to prepay for your rental car before you go to pick it up in person. This requires a bit of planning ahead on your part, but it will save you a decent chunk of change.

    Consider Avoiding the Airport

    When it comes to car rentals, you should consider avoiding picking up in the airport. While it is very convenient to step off of the plane and get your rental car right away, it could be costing you as much as thirty percent more. If you take a cab into town and rent from there, instead, you could likely save a lot of money (even considering the cab fare).


  • Is Now the Time to Refinance Your Home?

    Is Now the Time to Refinance Your Home?

    When is the right time to refinance your home? That can be a tricky question, as the act of refinancing can be time-consuming and you want to make sure you’re getting the best deal. However, the general rule of thumb is that you want to refinance when you can save at least 2% of the interest rate of your current mortgage. Let’s get more into home refinance, what it means, and when you should pull the trigger.

    Remember: if you have specific questions about real estate or home values, you might wish to speak to a professional financial advisor. Everyone’s situation is unique, and while general rules are helpful, you’ll want specific advice when you go to make major moves like refinancing your home.

    Home Refinance

    What is Home Refinance?

    Home refinancing refers to a practice that involves taking out a new mortgage loan to pay off an existing loan. Broadly, this falls under the umbrella of a financial practice called debt consolidation. This might sound a bit odd at first. Why would you take out a loan just to pay off another loan? However, this makes more sense when you look at the benefits you could get. For instance, if you can get your interest rate lower on the new loan than your existing loan, it’s a good idea to refinance.

    Typically, people are going for the lower interest rate. However, there are other reasons to do this. These reasons could include switching from a fixed-rate mortgage to a variable mortgage, or vice versa. One could also make the switch in order to shorten the length of their mortgage.

    Lower Interest Rates

    One of the main reasons people will refinance is to get a lower interest rate. As a general rule, if you can reduce your interest rate by at least 2%, you should do so. In a market with historically low interest rates, you should also consider getting a fixed-rate loan, which will lock in a rate for the duration of the loan. This can give you peace of mind that the loan will remain stable even as the interest rates of the market go up.

    When one gets a lower interest rate on their mortgage, they have two options. First, they could simply opt to have lower monthly payments. This is great for people who might not have a lot of money left over at the end of the month. Another option would be to pay off the loan faster by keeping the payments the same. This is a great option for people who aren’t having any issue meeting all of their bills every month.

    Fixed Rate: The Right Call?

    Should you get a fixed rate loan when you refinance, or should you opt for an adjustable rate? This is a complex question that depends on a number of factors, like the length of the loan and the current interest rates in the market. However, as a general rule, if interest rates are low or your loan is for a longer period, you may wish to get the fixed rate. This locks in the interest rate and gives you peace of mind that you’re not having to keep up with the market’s rates.

    On the flip side, if you loan is longer, or if interest rates are historically high, you may wish to go with an adjustable loan. Adjustable loans change their interest rates based on the market, generally reflecting what you see on the housing market. These allow you to buy-in with a higher interest rate without worrying about getting stuck with it even while rates in the market fall.


  • Best Treatments for Migraines: Treating the Symptoms

    Best Treatments for Migraines: Treating the Symptoms

    Those who suffer from migraines know the feeling creeping up on them. It’s a tightness behind the eyes, stiffness in the neck and shoulder. Before they can respond, they’ve got a full-blown migraine hammering away inside their head. How can you take steps to alleviate your migraine symptoms?

    Today we’re taking a look at some of the medicines and treatments that are most effective for curtailing the effects of a bad migraine. While there’s no cure-all for the condition, there are steps you can take to make the symptoms a bit more bearable. So, let’s take a look.

    What is a Migraine?

    First, let’s look at what migraines are. Scientists aren’t sure, definitively, what causes a migraine, or what exactly they are. However, the symptoms are well-documented: splitting headaches, photosensitivity, nausea and extreme pain. The prevailing theory as to their physical origins in the body holds that they occur when your brain sends a wave of activity across your nerves into you trigeminal nerve.

    This, in turn, causes something of a “cascade” effect. The body releases a series of neurotransmitters that cause the blood vessels around the skull to enlarge, putting more stress on the nerves and muscles of the cranium. This, in turn, causes more of these neurotransmitters to be released, further engorging the blood vessels and increasing the pain. This creates a feedback loop that makes migraines incredibly painful.

    Remember, however, that migraines are not life-threatening, and you’re in no danger from them: they just hurt very badly. Your symptoms will not cause any long-term damage to you, they’re just highly uncomfortable.

    Setting

    Often, one of the best things you can do for a migraine is change your setting. If you’re finding yourself battling migraine symptoms in public, you might want to try to find a nice, quiet area to rest in. Migraines are usually exacerbated by bright lights and loud sounds, which prevent you from recovering from the symptoms quickly.

    In some cases, extreme temperature fluctuations can also make migraine symptoms worse. If you’re in a very cold room, or a very hot room, try to find an area that’s milder and more neutral. This will help you to focus on just feeling better!

    Stress

    Stress is a major factor in migraines. In many cases, stress is the only actual trigger for the headache, but just an emotional one. If you find yourself experiencing a major migraine while you’re stressing out, grab a stress ball and try to work out your emotions. Breathing meditation, yoga and the like can also be helpful for reducing stress.

    If you work in a stressful environment, consider keeping some tea on hand that you can brew and then drink. Ideally, this will allow you to take a brief break from your duties, if they’re stressing you out, while you steep your tea and drink it. The warm liquid and calming ritual both work wonder in helping you calm down!

    Pain Relievers

    Another way to address migraines is through the use of pain-relieving medicine. If you have them on hand, common NSAIDs can be helpful. Drugs like ibuprofen, Tylenol and Aleve are examples of these kinds of pain relievers. They typically take a few hours to get into your system, but they are rather effective at dealing with headache symptoms in most people.

    Another type of medication you can take is the “migraine abortive” variety of drugs. These usually can’t be taken with migraines that have an “aura” (a period of sensory overload before the onset of the actual migraine symptoms), so speak with your doctor about these types of medications. They’ll be able to help you select one that is right for your specific situation.