Skin Care; Deciding what Really Works

Skin Care; Deciding what Really Works

The skin is the body’s largest organ and while it protects our insides from exposure; it remains constantly exposed to the forces of nature. We have all heard the saying that prevention is better than cure and this is no less true when it comes to skin care. Dermatologists and beauty retailers all tout the merits of having a good cleanser, moisturizer and of course, wearing sunscreen. 

A good cleanser helps with exfoliation and removing accumulated dead skin cells

Moisturizers help with skin repair and regeneration and sunscreen is necessary all year round for protection from the sun’s harmful rays. These are just the basics. For those who desire a consistently youthful glow, there is a lot more required for keeping the skin healthy.

Dermatologists recommend that from the age of 25 women should have a set skin care regimen and even start incorporating anti-aging products into their daily or nightly routine. According to Dendy Engelman, MD, a board-certified dermatologist in New York City, this routine should include certain specific products like a cleansing brush, vitamin C serum, eye cream, peel, retinol and of course, moisturizer and sunscreen. 

Vitamin C helps with reversing any possible sun damage. An eye cream helps to take care of the sensitive thin skin around the eyes by improving skin elasticity and reducing the appearance of fine lines.

A peel is necessary for regular exfoliation.

Retinol is an anti-aging super agent. It is derived from Vitamin A and stimulates cell turnover which means dead skin cells on the surface of the skin are replaced with healthy, new ones.

Anti-aging products might be so popular because skin problems usually become more common with age. As skin ages, it can become more dry, itchy, rough, slack, transparent, fragile, and prone to developing skin lesions. There are a wide array of beauty products on the market that profess to have anti-aging qualities.

There are also options for reparative care for those who have suffered skin damage. Acne and sunburn are two of the more common skin care problems that require reparative care. 

Breakouts or acne flares happen because the hair follicle fills with dead skin cells, sebum (oil), and sometimes bacteria. This leads to swelling, redness, and inflammation. Eventually, the pores become clogged and push their contents to the skin’s surface.

Sunburns are caused when the sun’s ultraviolet (UV) light damages certain fibers in the skin and causes the skin to sag, stretch, and lose its ability to snap back after stretching. Sunburn is so bad because once you get sunburnt, you can’t undo the damage to your DNA and skin structures, and you can’t speed up skin healing. You can only treat the symptoms.Luckily, there are skin care professionals, like those available at Dermani medspa, who offer a variety of options that a simple skin care regimen cannot address. They provide options such as skin rejuvenation, chemical peels, microdermabrasion, facials, and dermaplaning. These treatments, if incorporated into your usual skin care regiment, can work wonders in keeping your skin healthy.

What To Do In Case You Find Yourself In A Safe Lockout Situation?

What To Do In Case You Find Yourself In A Safe Lockout Situation?

Opting for a home safe is the best way to protect your valuables and your identity. This is what most people do, they use a safe to keep their cash, important paperwork, and other valuables.

Now, right after you install a safe in your home on your quartzite countertops and put your valuables inside, your first and biggest concern would be, “what to do in case you get locked out?” or “what to do if the key doesn’t work or the bolt is jammed?.

These are some common questions that people often worry about, and in such a situation, their first instinct is to break it open. But wait! There are several other ways to fix this problem without ruining the safe.

Here are some things you can do to prevent and solve a safe lockout situation;

1-Always keep a backup code or key

If you own a digital safe, you should just write down the code somewhere as a backup, and same is the case with your other safe that needs a key to open. You should have a spare key for your safe every time so that if one stops working, you can use the other right away. Moreover, you shouldn’t just keep the spare key or code in your home because if someone invades your house, he would know where you keep your safe backup. Here, the wiser thing is to put your backup code and key in a security deposit in the bank. It’s the best way to protect your safety and to prevent a lockout situation.

2-Changing the batteries

Sometimes, your safe won’t open because the batteries inside have been sitting in there for far too long. There’s a possible chance they may have lost the power. The simple solution here is to change the batteries and then check if the safe starts working. This is a common problem, so before you bring your lockpicking tools, do check the batteries!

3-If the bolt work is jammed

The bolt work can be jammed for different reasons, and we know how frustrating it can be, but you shouldn’t lose your patience here. Most importantly, never kick the keypad or the handle out of frustration, as it can make the situation worse. What you need to do here is to pull the handle in the opposite direction and then enter the code. This will help in releasing the pressure on the bolt, and you’ll then be able to move the handle freely.

4-Lockout mode

Most safes go into lockout mode when you enter a wrong code multiple times. This might be the issue with your safe if it’s not opening after you’ve tried entering your key. You might not know this, but it’s because the key you are entering isn’t correct when this happens. In this situation, you should just use the backup code and enter it after the lockout mode ends. If your safe has a time delay setup, you should wait at least 10 minutes before re-entering the code.

5-Get professional help

Lastly, the best way to get rid of this problem is to hire a locksmith in Philadelphia. Sometimes, changing the dead batteries or trying to open the jammed bolt won’t work, and the final solution you’ll be left with is to call a locksmith. This can save you a lot of time and energy because they are professional and have years of experience in handling car, home, and safe lockouts. Moreover, it’s all about the tools. You don’t have the right knowledge and the right tools, but they do have it all. So no matter why you got locked out of your safe, a locksmith can easily open it for you without damaging the safe in any way.

These are some ways to handle a safe lockout solution. So if yours isn’t working right now, don’t panic and call for professional help to get things sorted out right away. 

Making Handmade Felt Patches

It is difficult to envision denim coats without considering the different approaches to modify this notable thing of apparel. A portion of the absolute first sewing I could possibly do was to fastidiously hand sew patches onto a denim coat—fixes that mentioned to any bystander what was likely playing through my earphones. 

This drive to customize what I wear is part of what attracted me to sewing. This soul actually lives on as the day progressed to-day piece of clothing sewing, and I needed to return to the possibility of frivolity as patches, consolidating sentimentality with something I would wear now. 

In this instructional exercise, I will tell you the best way to make realistic specially felt fixes that can be applied to your me-made tasks or used to upcycle an all around adored piece. The procedure is straightforward, however the outcomes are strong, beautiful, and fun! 

You’ll require: 

  • Follow paper 
  • vector arts
  • Water-dissolvable checking instrument 
  • Felt in different tones 
  • Sewing string in coordinating tones 
  • Paper-back fusible web 
  • Weaving floss (discretionary) 
  • Planning and Prepping 

Before you start your fix, it is fundamental to make a plan and plan. 

01 | To do this, start by outlining the plan you might want to make on a bit of paper. Think more as far as shapes instead of lines. You can without much of a stretch add linework utilizing weaving floss or topstitching as a final detail. 

NOTE: This strategy works best when you fuse a casing or background into your plan. A scenery will make your fix simpler to gather and connect to a completed article of clothing or venture. 

02 | Once you are happy with your plan, decide the tones you will use for each unique region. Shaded pencils can assist you with envisioning this. 

03 | Use follow paper to disengage each layer of the picture. Remember that, contingent upon the thickness of your felt, you might not have any desire to layer more than 3-4 bits of felt. 

04 | Cut each layer of your picture from follow paper and note which shading felt it ought to be cut from. You will utilize these as your example pieces as you cut and amass your fix. 

Cut and Assemble 

01 | Using your example pieces drafted in the past advance, move your plan to the fusible web utilizing a pencil. Cut around each piece. 

NOTE: Be careful that except if you move your format to the fusible web with some unacceptable side looking up, you will wind up with a reflected picture of your unique plan. For certain plans this won’t be a serious deal, however in the event that you are remembering type for your fix, be additional careful. 

02 | Place the fusible web wrong side down on the felt. Breaker the layers together, adhering to the maker’s directions for the fusible webbing. Circuit all bits of felt aside from the fix foundation. This piece can be cut legitimately from felt. 

03 | Carefully utilize a couple of texture sheers to remove the individual shapes. 

04 | Layer each bit of melded felt, reproducing the picture you planned. Utilize a water-solvent checking apparatus to stamp the situation on the foundation. 

05 | Starting with the bottommost layer, start stripping ceaselessly the paper on the rear of the felt and clinging them to the foundation. 

06 | Carefully press, being certain to adhere to the maker’s guidelines. 

07 | Once the main layer clings to the foundation, utilize a sewing machine to edgestitch around the felt. You can utilize a straight join for a perfect and basic look, or something more enriching. 

08 | Repeat stages 5-7 progressively stirring your way up to the highest layer. 

09 | Once your fix is amassed, you can add topstitching or weaving to your plan. This progression is altogether discretionary, yet it adds some surface and measurement to the completed item. 

10 | To append your custom fix to a piece of clothing or venture of your decision, basically utilize a sewing machine to edgestitch the fix, utilizing a straight or ornamental fasten. For added soundness, the fusible web can be clung to some unacceptable side of the fix prior to appending.

Certified Fitness Coach Christopher Lee of Buffalo, New York Discusses Why Cheat Days Are a Terrible Idea

Certified Fitness Coach Christopher Lee of Buffalo, New York Discusses Why Cheat Days Are a Terrible Idea

We’ve all heard of the “cheat day.” Some people believe that a cheat day is a way to help keep them on track to meet their fitness goals. However, more often than not, a cheat day can counteract the impacts of a diet and cause damage to the body. They are even worse for individuals who historically have had a disordered relationship with food.

Christopher Lee, Buffalo, New York, local fitness guru, often works with his clients to understand successful diet plans. Here, Lee goes into detail as to why cheat days are a counterproductive idea.

For dieters that follow a plan involving eliminating certain foods aims, these people are often enticed by a “cheat day” that allows them to indulge in those foods. The goal of a cheat day or meal is to help individuals feel as though they aren’t deprived by temporarily allowing them to enjoy whatever foods they want. However, the mindset of a cheat day can set dieters up for failure as many times an individual can consume a whole day’s worth of calories in one meal or more.

Rather than potentially setting oneself up for failure, Christopher Lee recommends a better approach, which is to incorporate treats into a diet so one can indulge in moderation. When individuals follow a healthy lifestyle that allows for occasional treats, they are more likely to stick to their goals.

The word cheat on its own can negatively imply that what you are doing is bad. People can believe that they are ‘good’ if they eat clean and ‘bad’ if they slip up and indulge. As a result, individuals can develop a psychological barrier that is difficult to overcome. Thinking about foods as good or bad can create a sense of morality that is dangerous as one can begin to feel guilty when consuming certain foods.

In addition to creating a sense of guilt, cheat days can also lead to the likelihood of one bingeing or overeating on those days. A cheat day insinuates an “all or nothing” scenario in which someone may feel obliged to consume as much of certain foods as they possibly can. The extra calories can counteract any progress you have made towards your goals. Cheat days don’t allow for individuals to understand how to eat normally.

Additionally, the behavior can also eventually become a factor or common trait that leads to certain eating disorders. Cheat days often set individuals up for bingeing cycles followed by undereating, purging, overexercising, use of laxatives, or other negative behaviors. Those behaviors over time become a new normal, which is an extremely unhealthy way to live.

As some fitness experts believe in a diet mentality, others focus on a healthy lifestyle and regimen that doesn’t involve fad diets. Cheat days feed the diet mentality and can ultimately be a detriment to one’s regular eating habits. As the cheating mindset sets in, overall health may deteriorate, and fitness goals can suffer. Instead, individuals should focus on an overall healthy lifestyle and listen to their bodies. If you have a craving for something sweet, it’s okay to say yes in moderation.

About Christopher Lee

Christopher Lee is a certified fitness trainer from Buffalo, New York. Christopher specializes in designing workouts plans for clients that make them look and feel more athletic, helping them avoid injury. Mr. Lee emphasizes a healthy diet and lifestyle so clients can fuel properly to get the most out of their workouts and reach their fitness goals. When he is not working with his clients, Christopher Lee can be found at a hot yoga class, practicing martial arts, or spending time with his friends and family in Buffalo.

How Has Streaming Changed TV Viewing Habits?

How Has Streaming Changed TV Viewing Habits?

Streaming has completely changed the way people watch TV. In the past, people would have to mark their calendars and make sure they got in front of the television sets at a predetermined time if they wanted to catch their favorite shows. Now, television shows are coming to the consumer instead. As more people continue to cut cable packages and get involved in the Streaming Wars, TV viewing habits are continuing to change. It is a good idea to take a closer look at how TV viewing habits are changing thanks to the internet and streaming. Visit this website to learn more about internet TV. 

Binge-Watching Is Becoming More Popular

Those who remember what it was like to watch television programs on cable remember having to mark their calendars to catch that one new episode every week. Now, this is no longer how television programming works. Thanks to streaming services, many people will watch an entire season of a show in a single sitting. This is referred to as binge-watching. The reality is that the expectations of consumers are higher than they have ever been in the past. Now, television viewers expect to be able to watch an entire season it of a show as soon as that is released, if this is desired. Therefore, TV producers are trying to find ways to make their programs be more “binge-worthy,” as this leads to a dramatic increase in their popularity. 

The Increased Diversity of Programming

Because there are so many streaming services available today, many people sign up for multiple streaming services and watch programs that have been specifically curated to meet their needs. As more people continue to get Mesh WiFi, their internet connections are able to handle multiple streaming services at once. Because each of these streaming services has thousands of TV programs available, it is possible for everyone to be pickier when it comes to what they would like to watch. The increased diversity of programming is another way in which Streaming Wars are shifting TV viewing habits. 

Lower Costs for the Consumer

Finally, the development of streaming services is also lowering the cost for consumers. In the past, it was not unusual for people to pay several hundred dollars per month for cable services. Because users can sign up for multiple streaming services for a fraction of the price, this is reducing the cost of entertainment programming for consumers everywhere. When this is combined with the increased power of internet connections, it is easy to see why streaming has become so popular. 

These are just a few of the ways that streaming is changing the way people enjoy TV programming. It will be interesting to see what happens as more streaming services continue to enter the fold. In the future, people may not have to worry about cable at all when it comes to TV programming.

21st Birthday Ideas for the Perfect Party

21st Birthday Ideas for the Perfect Party

This is the party you’ve been waiting for! Gone are the days of having to skip the fun nights out because you’re not old enough, or contemplating borrowing your older siblings ID. At 21, the world will be your oyster and you should have a party to celebrate this exciting milestone. Gather all your friends together and celebrate. Here are some awesome 21st birthday ideas for the perfect party.

Head to the Neighborhood Dive Bar
Dive bars can be a really fun place to party, especially cause there is always a mix of people there. They often have awesome drink specials, meaning that your money will go further there too. It can be a great place to either end or start the night. Be sure to drink responsibility, especially if you’ve not had much experience with alcohol. I always suggest trying to have a glass of water for every alcoholic drink I’m having and to make sure I have a good dinner first.

Do a Themed Party
Having a themed party can be a ton of fun. Why not get everyone to dress up? There are so many themes you can choose from, but a fun one is a Tiki party. You can get some Tiki related decorations, and even go as far to get beautiful personalized party invites that match your theme. You want your 21st bday invitation to stand out from the crowd, to get people excited about your party and to serve as a reminder of a special night together. Themed parties can be really fun, especially if you take the theme further and do themed food and drinks too!

Consider a Day Time Event
If drinking isn’t your thing, don’t worry, there is plenty you can do without focusing on the booze. Why not consider doing something during the day so that it gets rid of the pressure to drink. You could house a house party at home, perhaps a BBQ if the weather is nice. Get some fun games for people to play such as cornhole and giant Jenga. If you’re fine with people drinking, you can make it BYO booze and provide lunch and/or snacks. Definitely incorporate games so that your guests will be mixing and having a lot of fun together.

Plan a Weekend Away
Some of my favorite birthdays have been those I’ve spent away with friends. A longer trip allows you to create more memories together. Why not rent a house with a pool somewhere and take some floaties, for the perfect weekend away. You could also consider doing a trip around an activity, such as skiing, surfing, or even paddleboarding. Choosing something ‘active’ to do means that you’ll be focused on that during the day and then chilling and relaxing at night.

Your 21st birthday should be a special one that you remember for a long time to come. Hopefully these ideas will help you plan the perfect 21st birthday party!

5 reasons why you shouldn’t be a sole proprietorship

5 reasons why you shouldn’t be a sole proprietorship

If you’re a sole proprietor, or someone thinking of becoming one, here’s five reasons for why we think forming a sole proprietorship may not be the best structure for you.

If you’re a sole proprietor, or someone thinking of becoming one, here’s five reasons for why we think forming a sole proprietorship may not be the best structure for you.

Unlimited liability

Sole proprietorships are a type of business structure that is not considered to be legally separate from their owners. This implies that you conduct business under your own name, if you do not have a “doing business as” name (DBA), and that you are entitled to your business’ entire profits. However, as the owner, you will also be held personally liable for the debts and losses of your business. In essence, because you and your sole proprietorship are considered one and the same legal entity, you risk the seizure of your personal financial and physical assets, in the event your business is sued and found legally liable or you default on your business debts. A sole proprietorship does not provide protection for your personal assets.

Sole proprietorships offer no tax benefits

As a sole proprietor, the profits of your business is only taxed once you report your sole proprietorship’s total profit (and your income) on your personal tax return. Yet, as a sole proprietor you are also technically self-employed, which means you also are required to pay self-employment tax alongside your income tax each year. Self-employment tax is a tax imposed on small business owners by the federal government, self-employment tax consists of two parts, the first is Social Security tax and the other is Medicare taxes. To find out more about employment taxes and why you are required to pay them, you have visit the site of the Internal Revenue Service (IRS) website for more information. 

Less credibility and branding potential 

Because you will be conducting business under you own name, you would have to invoice and receive payments, open bank accounts and market your business in your own name; this decreases your credibility as a formal business and creditors may only be satisfied to make a business deal with your personal assets as collateral if they deem your business assets are insufficient. Banks and other financial institutions may also be less than eager to grant you a financial loan due to the high turnover rates of sole proprietorship generally speaking. As a sole proprietor, you will have less credibility, than an incorporated business, and you will also have less opportunities to market your business as a “brand” if you are conducting business under your own name instead of a DBA name. 

Limited business continuity and potential growth 

How much your sole proprietorship will grow once you have formed it is really dependent on you as an owner. If you happen to pass away, or decide you are no longer interested in running your business, your business will cease to exist. In other words, the continuity of your sole proprietorship is dependent on you being invested in conducting business, the continuity of your business will stop if you depart from your business. The same can be said of the other side of the coin. If your business becomes increasingly profitable and therefore has more risks (financial and personal) associated with it, the need to incorporate your business will also increase. By incorporating, or rather by converting your business into a formal business structure, from a sole proprietorship, you will be able to avoid most of the risks that come with unlimited liability. This is something to think of if your business is getting more and more profitable. 

Difficulty of raising financial capital 

As a sole proprietor, you may also find it very difficult to raise capital or gain access to resources outside your business deals and transactions. One option you can use is to use your own finances to fund your sole proprietorship until it is operational and profitable. But if you, like many others, have limited financial resources to invest into your sole proprietorship, then your next best option is a bank loan, and we have already mentioned the difficulties of getting a bank loan as a sole proprietor, or your other option is debt financing. Debt financing is when you, as an owner, offer a percentage of your business to an outside party in exchange for capital. In all these cases, gaining access to capital and other resources is not easily done and should be thought out before any transactions are made. 

We have just listed the reasons why you should not consider opening a sole proprietorship, however these reasons should not stop you from acting on your business idea. If you want to know more about how you can form your business, visit TRUiC’s site and get the assistance you need to start conducting business today.

What U.S. states charge the most and least sales tax?

What U.S. states charge the most and least sales tax?

Sales tax is tax that is paid to a governing body, for the sales of certain goods and services. It is collected by a retailer when the final sale in the supply chain happens, with only the end consumers paying the tax most of the time (businesses get resale certificates for any in-between stages).

Sales tax makes everything anyone buys a little more expensive, and it’s not just state sales taxes you need to keep in mind when looking at which states have the most or least. Some counties and cities also charge sales tax, which needs to be added on to find the overall amount. Some states have cut out sales tax entirely.

Lowest sales tax states

There are 5 states that do not have any statewide sales taxes, being:

  • Alaska
  • Delaware
  • Montana
  • New Hampshire
  • Oregon

While these states don’t charge any state sales tax, Alaska does allow localities to charge local sales taxes, but the average state rate is still relatively low – at 1.76%. 

Rounding up the top 11 states with the lowest tax rates, all under 5%, are:

  • Colorado
  • Wyoming 
  • Alabama
  • Georgia
  • Hawaii
  • New York

Colorado has a 2.9% state tax, while all the rest are joint at 4% state sales tax.

States with the highest sales tax

In some cases, these rates get so high that shoppers will go out of their way and drive across state lines in order to shop somewhere with lower sales tax rates:

  • California: 7.25%
  • Indiana: 7%
  • Mississippi: 7%
  • Rhode Island: 7%
  • Tennessee: 7%
  • Minnesota: 6.875%
  • Nevada: 6.85%

What items get taxed?

Most states exempt essential household items, such as food, clothing and prescription items, from being taxed, to be fair to all citizens. But, many states have taxes for certain purchases such as tobacco, alcohol, beverages and gasoline. Taxes on tobacco and alcohol, as well as gambling, are often referred to as sin taxes. New Hampshire charges a hefty amount on tobacco products – a pack of 20 cigarettes equates to an extra $1.78, and a pack of 25 cigarettes is an extra $2.23. Wyoming is great for sin taxes, though – with the lowest beer tax in the whole of the U.S., at half a cent per litre.

Local state sales taxes

Thirty eight states allow local counties and cities to impose their own additional sales taxes. While California does have the overall highest states sales tax rate, the combined state and local sales tax rates for Tennessee reaches 9.53% in some areas: the highest combined rate in the country, which is why it’s so important to look at sales tax rates overall, and not just state sales tax, although those do give you a good idea of which states have lower and higher sales taxes. Not far behind are the following, as of 2020:

  • Arkansas: 9.47%
  • Louisiana: 9.52%
  • Alabama: 9.22%
  • Washington: 9.21%
  • New York 8.875%

Don’t base decisions solely on sales taxes

Many people only look at certain taxes when considering where they would like to relocate to, or live in retirement. If you’re looking at state and local sales taxes, while it is true that they can take a bit out of your income, often the states with lower sales tax rates have other ways of taking money from individuals. States with lower sales tax can have very high income tax rates, and this is the case with Oregon. On the other hand, Tennessee has the highest state sales tax but no wage income tax, so it depends on you personally.

TRUiC has a useful sales tax calculator to help you work out taxes. Visit this site for more.

What can happen if you don’t have an EIN?

What can happen if you don’t have an EIN?

What is an EIN?

An Employer Identification Number (EIN) is a nine-digit number assigned to businesses by the IRS. It is used to identify taxpayers who need to file tax returns. Though the primary reason for getting an EIN for many people is for tax purposes, it can help you to do so much else. For your business, an EIN is just as important as having an SSN for yourself. 

To learn more on ‘what is an EIN’ and how to get one, visit TRUiC’s site; they have a range of useful information.

Do I need an EIN?

For some businesses, an EIN is a tax requirement. If you don’t get it, you are endangering your business and could face hefty fines, which could even end up impacting your personal life. If you fall into any of these categories, you’ll need to get an EIN:

  • You have employees
  • You’re a corporation/LLC taxed as a corporation
  • You’re a multi-member LLC
  • You bought or inherited your business
  • You have a Keogh plan
  • You need to file for bankruptcy

Even if you don’t meet any of the above descriptions, there are good reasons to get one anyway. In fact, you could face many disadvantages from not getting an EIN. And the good thing about getting an EIN is that it’s completely free anyway.

Tax penalties

If you don’t get an EIN and you’re required to, as mentioned above, you could face tax penalties. It’s a good idea to do your research beforehand, and not wait until the last few days – the IRS can take up to five weeks to give you an EIN. 

Furthermore, if you don’t have an  EIN, for certain types of tax deductions, such as home office deductions for businesses, your chances of an IRS audit decrease if you have an EIN. 

Identity theft

If you don’t have an EIN, you will be more susceptible to identity theft. An EIN separates your personal finances from your business finances. If you have an EIN, you won’t need to provide your own SSN to clients or vendors – instead you can give them your EIN. This means your SSN stays more private, lowering chances of a thief stealing it and getting access to your possessions. The problem of stolen SSNs affects millions of people every year in the U.S.

Loss of potential customers and business

For many small businesses the loss of even one potential customer can make a huge difference to a business. Having that customer could even be the difference between whether or not the business goes under. 

You might be thinking, how does having an EIN affect this? Well, having an EIN gives your business a sense of credibility, and signifies that you have a serious business going on – not just some side gig. Sometimes having just an SSN can even make business owners seem as though they are not really official, and can quit at any time. Having an EIN tells customers, as well as yourself, that you are doing serious business – more than just a hobby, especially if you’re a sole proprietor doing something like freelance writing. 

Piercing the corporate veil

A corporate veil is a legal concept that metaphorically symbolises the distinction between the company you have, as a separate legal entity, and the shareholders who own shares in the company. If you have a business in which the business is a separate legal entity – for instance an LLC or a corporation, not having an EIN could mean you end up piercing the corporate veil. This means that the shareholders, rather than the company, are liable for anything the company does. So, your limited liability instantly vanishes. Having an EIN is a great way to prevent this. This means you can open a business bank account and also build up business credit and take out business loans. The key word here is business – even filing business taxes is easier when all spending is in one place. If both finances are in one place, you can easily confuse the two and lose limited liability.

What Are the Best Vinyl Records of All Time?

What Are the Best Vinyl Records of All Time?

Who was the greatest band of all time, what is the best song ever, and what are the best vinyl records of all time? These are all interesting questions that often spark some fun and sometimes contentious debates. While the best vinyl record of all time is, to some degree, subjective, there are a few, at least, that remains at the top of just about everyone’s list who knows and loves music. Here are some of the best vinyl records of all time.

Sgt. Pepper’s Lonely Hearts Club Band

It should come as no surprise that an album by The Beatles sits at the top of a “greatest” list. And not just this one, Rolling Stone Magazine also named St. Pepper’s the greatest album of all time. 

There are many, many reasons why The Beatles were not only the most popular band of their time but why they also continue to be popular today. The first, and most obvious reason, is that they created great music that was more than just a pop band. How many pop or boy bands have faded into nothingness or, worse, into becoming punchlines. Think even as recently as the 90s when countless pop bands used to top the charts. If you go back today and listen to some of that music, it’s enough to make you retch. Even if it gives you a small, pleasurable sensation of nostalgia, few will argue that, for example, The Backstreet Boys are talented musicians. The Beatles, however, are different. While yes, they started with simple teeny-bopper songs like I want to hold your hand the group was constantly growing and went on to write and perform elegant songs like Eleonore Rigby, Come Together, Helter Skelter, and, on the Sgt. Pepper’s album, A Day in the Life, and almost countless others. In terms of longevity, creativity, originality, and simply being prolific, The Beatles not only probably created the greatest album of all time, but they are also arguably the greatest band of all time.

What’s Going On

Hot off the popularity of hits like Sexual Healing, Marvin Gaye made some big changes for his “What’s Going On” vinyl album. This was during the time when the Vietnam War was escalating, and Gaye was under the influence of letters from his brother, who was actually overseas fighting the war. Gaye is quoted as saying all of these factors combined to make him think about his music in a totally new way. Gaye wanted to use his music to say something. Not just to sound good, but to actually say something meaningful. The result is one of the greatest vinyl albums of all time, featuring songs like: 

  • Mercy, Mercy Me
  • Inner City Blues
  • And, of course, What’s Going On

Nevermind

Regardless of what you think of the band Nirvana, the fact of the matter is that this band was groundbreaking. Sparking what became known as the “grunge” movement, the album Nevermind has some staples of American malcontent that was as relevant for the youth of Kurt Cobain’s era as it is today, including the smash his Smells Like Teen Spirit

There you have it, three of the best vinyl records of all time. From The Beatles to Marvin Gaye and Nirvana, there have been so many great vinyl records created throughout the years that one thing has become clear: We should all strive for an eclectic taste in music. Sure, you can have a favorite type of music. But can there be any doubt that even if you like Rap, you can still like some Country? Or that Pop people can like Folk? There are no reasons why everyone can’t enjoy at least musicians from every genre.