Wasted Food Equals Wasted Money

Wasted Food Equals Wasted Money

Rich or poor, we must all spend money on everyday living expenses. Whether it be food, shelter or clothing, the costs associated with these daily essentials often eat into whatever budget we have, thereby leaving very little money for anything else at the end of the day. Sticking to a budget is difficult, and as much as we try to be thrifty and save money for a rainy day, it’s not always possible. In a world where reducing our spending and consumption sees no signs of slowing down, it can often be daunting and downright stressful. However, recent global data suggests that there is at least one way that we as a population can cut back on our spending, and that has to do with our food purchasing.

The Food Waste Problem

Year on year, approximately 1.3 billion tonnes of food is needlessly disposed of. That equates to approximately a third of all food produced each year. When you look at this statistic in more detail, this is broken down to 45% combined fruit and vegetables, 30% cereals, 20% dairy and 20% meat. This research is shocking and begs the question: ‘Why are we buying more than we need?’

Not only is this food waste extremely careless, but it’s also uneconomical eating up a significant amount of our household budgets. In the last twenty or so years in the United States, it is believed that the poorest 20% of the population spent between 28.8% to 42.6% of their pre-tax income on food. In comparison with the UK, particularly in 2016, the average British household spent 11% of their yearly budget on food. Shockingly, lower-income families spent 17% of their annual pay on food. There is a lesson to be learned here. No matter what income you ear, there is always room for savings by reducing your weekly or monthly spend on groceries. Not only will this benefit your wallet, but will benefit the environment, too.

save money and food

How You Can Make a Difference

You can simply do the obvious and buy less food, but there are other ways in which you can make significant savings to your wallet without having to drastically change your lifestyle. For example, buying locally grown fruit and vegetable is one way. There are plenty of farmer’s markets and fruit and vegetable stands throughout the UK, all offering the same quality produce, if not better, that a supermarket does. By supporting these independent stands and shops, you are encouraging local farmers and growers, and helping your wallet, too. As there are fewer costs associated due to the lack of necessity for heavy transport, it’s good for the environment, good for the seller, and good for you.

Secondly, there is always the option to purchase food with a longer-lasting expiry date. These food items tend to be similar to other mainstream products, particularly in terms of taste and appearance, which, at the end of the day, means you will be making less purchases over time.

Changing your eating habits is another way to save money, plus improve your health. If you are a regular meat eater, why not try substituting for a meat-free version of your favourite meal? Not only can this be good for your wallet, but also your health, as a reduction in red meat consumption is positive for overall cardiovascular health. There are plenty of meat-free alternatives which can be found at the supermarkets these days, from Quorn to tofu, and all with a very similar taste, texture and nutritional value to meat. It’s always a good idea to remain open-minded when it comes to food, since you never know when the next meat-free dish you stir up will become your family’s fave.

If you like to dabble with garden, then why not grow your own ingredients? It doesn’t have to be an entire field of potatoes or peas, it can be a small plot with an assortment of your favourite fruit and vegetables. Not only is this inexpensive and easy to maintain, but organic fresh produce is great for overall health. Don’t forget the importance of your 5 a day!

Take this a step further and consider composting your food. Again, this is quick and easy to do and involves your food waste being broken down, converted into nutrients, which can then be used as a fertiliser – even for your own garden. Free from chemicals and other additives, composting is a terrific way to put your food waste to beneficial use.

Conclusion

Take a step back and look at the amount of food waste that you are responsible for, not to mention the money that has burned a hole in your pocket and the damage to the environment. Although it may take a little effort at first, it isn’t difficult to make changes to your spending and food habits in the long run. Go on, give it a go, and once you realise the amount of money you’ve saved, you will wish you had only started sooner.

Getting The Best Quote For Servicing And Repairing Your Car

Getting The Best Quote For Servicing And Repairing Your Car

In times of financial struggles, people often neglect to take care of their vehicles properly, hoping that they will save a few pounds if they don’t fix a minor problem with their car. This is a huge mistake, as one minor car repair now may save you buckets of money in the future. A simple analogy would be the human body. Let’s say that you have anaemia. It is no big deal; almost everybody has experienced mild anaemia in their lifetime. But, if you neglect to take care of the anaemia, the low red blood cells can and will cause major health problems in the future. The same situation applies to the health of your car. A properly serviced car is not only a good way for you to save some money; it is also a very important safety requirement. By neglecting your car, you put yourself and other drivers in jeopardy. It is a real shame to keep your car in a potential hazardous state, when there are so many helpful car service and repair sites that will help you take care of your car at the lowest possible cost. One such excellent site is MyCarNeedsA.com. They have many partners in the car industry from all around the UK and can help you find the best deal for repairing your car.

How does MyCarNeedsA work?

Getting a quote for a car servicing is very easy with MyCarNeedsA. You just need to enter your registration number and explain the problems you have with your car and their partners will bid to do the work that you need. After the bidding is closed, you can choose the best bid for you – no matter if you choose the cheapest, the most convenient one or the one with the best overall service.

How much will it cost to get quotes from MyCarNeedsA’s partners?

Not even a penny. Using MyCarNeedsA car service is completely free for you. They are paid for their services by the service providers/bidders, as they also get the chance for making new customers. The goal of MyCarNeedsA is to make the process as easy and convenient as possible for you, and it is completely free! The only thing they want from you is to leave a feedback. It is not mandatory, but they will appreciate it if you took the time to do so. After all, they are going out of the way to satisfy your needs, why not repay their benevolence with simply writing a few words about your experience with them. Even if it was an unpleasant one, stating your opinion will help them make your future experience better and more satisfying.

What happens after you accept a bid?

Once the bidding is closed and you have chosen the best deal for repairing or servicing your car, MyCarNeedsA will send your contact details to the service provider you have chosen. Do not worry about providing MyCarNeedsA with your contact details; they won’t share your information with any other service provider, just with the one you have chosen to repair or service your car. After the service provider has contacted you, you arrange all the details with him. You pay for the repairs only after the job has been completed.

Save

Save

Strategies for Squeezing Money from your Personal Budget

Strategies for Squeezing Money from your Personal Budget

People are searching for means of stretching their incomes a bit further. A personal budget is a great way to ensure that you don’t use your income on unnecessary indulgences, which is something that most people are guilty of. However, making the plan is easy but executing it becomes a problem. It is even harder when you have debts that need clearing. One tactic you can use on your money management aspiration is to find ways of freeing up cash from your already planned budget. Your budget can generate a little extra money, which you can use to make car payments, mortgage or save up for a holiday.

Adjust Your Needs

As days pass, your spending habits change, and that means you have to reevaluate your budget. By making some alterations here and there, you can spare a few pennies on different items, which can tally to a considerable amount. Maybe when starting out, you planned for two bottles of wine every month, but now you find that one is enough because you have cut your drinking. You can divert the money for that extra bottle to something else. Take the time to analyse your spending on wants and needs every few weeks to see if anything has changed. For instance, a new internet provider may have started offering low rates for a broadband package, meaning you can switch and save money on your budget.

Invest Wisely

You can set aside a part of your budget to invest in various instruments. Trading stocks, currency pairs and other assets is very simple nowadays with the availability of online platforms such a CMC Markets. You also won’t have to sacrifice your job, studies or other activities because you can trade from anywhere. Find instruments with great opportunities and put your money to use. However, ensure you are working with a reputable online broker to minimise the risks of getting scammed. A few extra euros from CFD trading or spread betting can cover the next month’s power bills or go into your college savings fund.

Pick a Shopping Day

Going to the grocery thrice in a week may not be the best way to capitalise on your budget. Each trip to the store means that you are using up fuel if you have to drive and bus fare if you use public transport. Even if you walk to the supermarket, you may be buying an item or two that you don’t really need at home. Doing all your shopping on a single day can save you cash on certain items. Knowing that you won’t be in the store for another week or two will force you to buy in bulk, which will reduce your spending significantly.

Slash Down Your Entertainment

People spend more on entertainment than they realise. Maybe you have a broadband connection at home for streaming movies, but you still have Pay TV as well. These expenses add up to a sizeable sum, and you can boost your budget by reevaluating them. For instance, streaming movies may be less costly than paying for cable TV subscriptions, so you can do away with the latter. If you are subscribing to online streaming services, pick one. There is no reason to have Hulu, Amazon Prime and Netflix all in your budget. Borrowing movies from your local library instead of buying or renting them is another alternative that can squeeze a bit more cash from your budget. For newspaper and magazine readers, try online subscriptions and see how much money you can save.

Review Your Insurance

When making your budget, your insurance policies may not have received a second thought since you just wrote what needs to be paid. The thing about insurance is that there is always a new provider or product on the market that may be offering a better bargain than you have presently. You don’t have to keep the same insurance you got when buying your home three years ago. Take the time to look at all your insurance policies. You may learn that you are over insured on your car or home. Start looking at insurers again and compare similar products to what you already have. Before making a switch, ask your current insurer if it’s possible to get lower premiums and if not, find another provider but don’t compromise on the quality of the coverage.

5 Ways To Save Money When Buying Your First Home

5 Ways To Save Money When Buying Your First Home

Getting on the property ladder is a life goal that many people share, unfortunately, this dream doesn’t always become a reality. Buying a house is expensive and complicated, which means many people will resign themselves to being renters for the rest of their lives. However, there are ways you can save money on buying your first home that will make your dream much more achievable. Follow these five tips to save money when buying and moving into your first home.

1. Find A Proactive Estate Agent

The economic climate means that only the most proactive and switched on estate agents will be able to survive. It’s no longer enough to list a property and wait for people to walk into your office, so look for the estate agents willing to got that extra mile to find you an amazing property. They should understand your needs and your budget inside out, and they should be able to bring your properties before they’ve even made it to the market. They should also understand the limits of the seller and know when you can lower your offer.

2. Use All The Help You Can Get

There are many government schemes designed to help first time buyers get on the property ladder so you should take all the help you can get. Even if it’s just a tax break to help you save a little more money every month, this will add add up to a bigger deposit and lower mortgage payments in the long run. Some newer eco-friendly developments have been know to help with the cost of things like conveyancing quotes and other solicitors fees.

3. Stick To Your Budget

Approaching every property with a bit of imagination means you will get a lot more for your money than if you try to find the perfect property that takes you out of your budget. Make a list of needs that you cannot compromise on, and then add to that your list of wants. When you see a property, it should meet all of your needs and some of your wants, but you will have to be willing to compromise.

4. Get The Right Insurance

When you become a homeowner, you will no longer have a letting agent or landlord to take care of your problems, so it’s important to cover yourself financially. Getting the right homeowners insurance won’t just cover you in the event of a burglary, but it will also cover unexpected events like flooding or storm damage.

5. Shop Around For Services

Many people make the mistake of using the first service provider that comes along because they think that the cost of professional services is always the same, but this simply isn’t the case. You don’t have to use the conveyancing solicitors that your estate agent recommends, and you don’t have to use a local solicitor either, so if you are buying a home in Leeds but know of a conveyancing Manchester solicitor, there is nothing to stop you from using them.

Five Tips To Save Money And 70 Reasons To Invest It In Forex

Five Tips To Save Money And 70 Reasons To Invest It In Forex

Saving money and investing it wisely are the two key ingredients of a prosperous life. However, there are very few people who know how to save without giving up their comfort. Moreover, even fewer individuals know how to find the most profitable investment opportunities. This article is going to show you five tips to save money, and a few reasons to invest it in Forex with 70 trades.

First Things First

You can’t save money if you live beyond your means. By spending less than you make, you should be able to save. Even as little as 15% of your monthly salary can add up to a very nice amount if you are consistent.

Being consistent is another useful tip to help you save money. Once you decide to pay yourself first, you should set aside your regular amount as soon as you get paid, and only after that take care of your bills, trips and entertainment. Moreover, you have to develop this habit of saving a certain amount each and every month. Consistency is extremely powerful. Just try it for one year, and you’re going to see what it can do for you.

Repeated temptations can weaken our will. If your savings are within your reach, you might give in sooner or later, and spend the money on something you need. In order to avoid this fight, you should set an automatic rule with your bank to transfer 10% of your pay into a savings account. Like this, you won’t even see the money, so the temptation isn’t going to be that big.

Passive Income Is A Must These Days

Try to establish some passive income sources. For instance, you could start a blog or a website about one of your biggest passions, and monetize it with ads or affiliate offers. One or two hours of work a day can enable you to attract enough traffic to make a small amount of money without having to get a second job.

Avoid living in scarcity. In time, scarcity leads to frustration, so there will be a time when you’ll feel like spending all your savings on some extravagant purchase, only because you can’t resist it anymore. You should be careful with your monthly spending, while also spoiling yourself from time to time. The occasional day at the spa or a weekend trip to the mountains can motivate you to keep saving money, despite the difficulties of life you may have to overcome.

Save And Invest

Last but not least, you should put your savings to good use by investing them wisely. If you don’t mind taking risks, you should invest in Forex, as this is one of the most lucrative opportunities available for the time being. For example 70Trades has most profitable trading recipe for novice traders, you can start from there. Versatile and fairly easy to understand, foreign exchange can bring you nice profits. One of its advantages is that you can automate the trading to a certain extent, thanks to special software platforms offered by various companies such as 70Trades. The other advantage is that you can start by investing relatively low amounts, so you won’t have to take huge risks right off the bat.

5 Budgeting Tips from Professionals with Irregular Income

5 Budgeting Tips from Professionals with Irregular Income

There are many advantages to not having a nine-to-five job, or indeed any job which sees you working a fixed number of hours per week. You might have more time to yourself, enjoy greater flexibility and sometimes even the luxury of being your own boss. The worst part, however, is the sometimes discomforting nature of an unstable or unpredictable income. Even if you are confident in always earning enough to accommodate for your lifestyle, budgeting becomes a nuisance when your income is continuously fluctuating based on variables such as performance, seasonal factors, consumer trends and pure chance.

Here are some tips on how to manage your bankroll with effective budgeting from successful people in a number of irregular-income professions.

 

J.D. Roth, Freelancer

 

A blogger for many years, and owner of Moneyboss.com; J.D Roth has a good deal of experience in budgeting and bankroll management. His tip for other freelancers? Be realistic in your budgeting and always account for a ‘worst-case wage’, thereby creating a safety net.

 

When I project my cashflow, I base it on my minimum monthly income from the past twelve months. Using my minimum monthly income instead of my average monthly income gives me a safety buffer. And when you have an irregular income, a safety buffer is vital,” he explains.

 

Your average monthly income might decline for a variety of reasons, so expecting it to be exactly the same as the previous year is dangerous and can lead to premature spending. Basing your yearly budget off your minimum monthly wage from the previous year forces you to budget according to a ‘worst case’ wage. This helps you deal with any nasty financial surprises or disappointments that might arise throughout the year, whilst also putting you in a better position to save money

 

Once you calculate your ‘monthly minimum’ from last year, J.D. Roth suggests having two separate bank accounts. One is your business account and one is your personal account. Your business account is where you receive all money earned throughout the month, and it is from this account you transfer the sum of your ‘monthly minimum’ into your personal account.

Think of your business account like the account of a company which pays you a monthly wage. This way, any extra money you earned above you ‘monthly minimum’ sits in your business account and accumulates interest. This method helps recreate the feeling of a stable income, whilst also providing you with an emergency fund, savings account, or end-of-year-bonus (how you percieve the money in your business account is up to you!)

 

Paul Wasicka, Poker Player

 

Poker is profession with one of the most unpredictable incomes of all – and therefore one of the most important in which to manage bankroll effectively. Professional poker players sometimes earn half of their annual income in just one week. Poker is also unique in that professionals have to spend money to make money. Paul Wasicka, whose main income derives from a mixture of online poker tournaments and live events, suggests the following;

 

I fully recommend that you never commit more than 10% of your bankroll to an individual event or ring game. To be truly safe…limit your investment to between 2% and 5%.

 

Knowing that you can survive a loss also helps your mentality and allows for better play and more success, Wasicka argues. “Because I don’t have as much of my bankroll invested in a tournament entry, I play the event without fear that I would be crippled if I failed to cash.

Chris Lott, Sales

When winning big in poker, it is understandably tempting to splash it all – which makes discipline in professional poker extremely important. Respect your bankroll. Keep tabs on how many hours you spend playing poker throughout the year, then divide your total earnings between those hours to get an idea of your ‘hourly rate’. If you win big, but then calculate that this win only accounts for a moderate figure per hour (considering all the hundreds of hours you have put into playing), then you’ll feel significantly less inclined to spend it all in one go. It will feel more like a much-needed payoff after hours of hard work, rather than a lucky big win.

 

Chris Lott, Sales

Chris Lott is a sales management expert and owner of LottSpace.com, with years of experience in commission-based sales jobs. For those starting out with no savings to their name, Lott suggests employing what he calls the A, B, C plan. This is merely a means of regulating income and getting a good grasp of how much you need to save – and how much you can afford to spend. Each month, you can be in one of the following financial positions;

 

  1. Easily afford to pay rent and bills with extra money for expenditure and savings.
  2. Be able to pay rent and bills but with little to no money remaining after necessities are covered. May need to tap into savings.
  3. Struggling to pay rent and bills – barely enough to survive on.

 

Obviously, the goal is to never reach C. Evaluating which letter you are on each month helps you plan for the future. If you are regularly on B, you might need to disperse savings more equally between months or rethink your budget so you find ways to spend less money. If you hit C then you’ll need to consider how and when you are going to be able to raise your monthly income as quickly as possible, and whether you are able to cut back on certain lifestyle costs or even take on a second job.

 

Aside from budgeting, Chris Lott offers a tip on how to survive on a commission-based sales salary. He explains that, “having your self-esteem intact is mandatory. To stay in a commissioned environment day after day, month after month, year after year takes a kind of faith in yourself. You really need to believe in not only your abilities but that successes will come. You need to know that the efforts invested will eventually come to fruition.”

 

Sandra Garth, Business Owner

 

Sandra Garth owns an online business specialized in providing tableware and decorations for parties. Though she has a good grasp of the minimum profit the website will make each month, she keeps detailed records on the times of year that weekly or monthly profits rise above average. Her business does especially well during holidays like Halloween, Easter and Christmas – so she budgets accordingly.

 

If the income pattern differs dramatically one month, and our profit does not meet expectations, then we analyze why our sales might have fallen from this time last year. Looking at these patterns help us evaluate whether we are effectively capitalizing on seasonal trends and whether our range of products are continuing to effectively meet demand,” Garth explains.

 

Paul Drayson, Musician

 

For a performer whose workdiffers month to month, the priority for me lies in landing gigs and immediately receiving non-refundable deposits. That might mean spending some money on promotion and agents, the cost of which needs to be factored into your budgeting,” Paul Drayson, a musician, explains. You should always have gigs booked a minimum of three weeks in advance. Something unexpected and impromptu might get scheduled short-notice – but see that as a pleasant surprise. Never bank on it.”

 

You never know when a show might get cancelled, so Drayson suggests basing your budgeting on deposits only. Ideally, you should get to a stage where you could live off your deposits alone – the second part of the payment will go towards your savings. It’s not easy, and requires a lot of discipline, but it will put you in a great and comfortable position.

 

Becoming an effective budgeter of an irregular income, to the point where you can put aside some cash each month and never have to stress, is no easy task. But with a little time and practise you’ll see that detailed bankroll management is well worth the effort.

Save

8 Ways To Boost Warehouse Productivity With Conveyors

8 Ways To Boost Warehouse Productivity With Conveyors

Conveyors are complicated machines that should never be taken for granted. They can affect productivity, especially when integrated into large parcel handling systems. In order to get a return on investment fast, save money and keep productivity high, you need to consider the following:

1. Know your load

When choosing a conveyor belt system, it is very important that you consider the kind of load you will be transporting. This is why you should come up with a list of intended load and note their width, height, length, width and weight. These factors could end up affecting the conveyor’s performance.

Consider load orientation. If an operator does not place an item on the conveyor properly, the load width may end up becoming its height. You need to check the load’s bottom configuration known as its footprint. This is because of the fact that this part can affect the design and cost of the conveyor.

Loads can act erratically on roller conveyors and cause the system to jam. Look for feet or runners on boxes and pallets, soggy or bulging bottoms on cardboard cartons, and protruding nails on wooden cases.

2. Select the right incline conveyors

Incline conveyors are used for moving goods between two different elevations. They are useful for sites that incorporate mezzanine floors or loading bays. You need to be very careful when choosing incline conveyors as they can affect your system’s performance.

Some of the factors you need to consider include load characteristics, throughput requirements, proximity to employees, in-feed or discharge points, safety devices and interface with horizontal conveyors. Be careful of incline conveyors that exceed a 30-degree angle as parcels may either slip or tumble.

3. Testing

Conveyors usually have millions of moving parts and new systems require extensive testing. Visually inspect conveyors to check if safety guards and stickers are in place. Check if the emergency stops are easily accessible.

Thoroughly test controls and see what happens in case operators were to make errors such as pushing two buttons at once. Since downtime can be a costly affair, ensure that you check how long it takes for the system to recover. Test conveyors with a small number of items placed at in-feed points.

Check rollers, belts, diverters, and merges work in a proper manner and look for parcels hanging up on bends. Load the system to capacity and evaluate its performance. Check carton spacing on conveyors and overload areas to find out where bottlenecks could possibly occur.

conveyor belts

4. Regular maintenance

Scheduled servicing ensure that conveyors function as they should and minimize the risks of breakdowns. Replace components at regular intervals or as they start showing signs of wear. This is what is known as predicted maintenance. Regular housekeeping (preventative maintenance) is essential to maintaining conveyors.

Service routines are machine specific and tailored to operational demands but consider testing and emergency stop controls, lubricating components, cleaning the conveyor and checking belt (if fitted) tracking and condition. Look for rollers (if fitted) that do not rotate or rotate irregularly and check electrical components.

5. Know fixes to common problems

Due to the fact that problems may look worse than they really are, it is important that you assess the situation before calling an expensive service engineer.

If you find that items have accumulated in one area of the conveyor, just clean or adjust photo eye sensors if they are fitted. If the conveyor shuts all of a sudden for no apparent reason, just reset the emergency stop buttons. If the drive on a belt conveyor runs but the belt does not run, check for overloading.

6. Safety

Compared to other warehouse or industrial equipment conveyors move slower and do not appear threatening. However, they are powerful machines that can be very dangerous. This is why it is very important to clearly mark the start and stop controls and train workers in all aspects of safety. Keep the surrounding area clean and free of obstructions.

Accidents can injure employees and cost companies thousands of pounds in terms of lawsuits and lost productivity. Ensuring safety around conveyors contributes to a fast return on investment.

7. Reduce energy consumption

The more the costs of running a conveyor, then the slower the return on investment. It is very important to conserve energy and keep utility bills down by turning conveyors off when not in use. There are timer controls that can help automate the process. Use gravity roller conveyors where feasible to reduce energy consumption.

8. Design conveyor workstations should be ergonomically designed

Musculoskeletal disorders (MSDs) are strain injuries which affect the neck, back or legs. MSDs are usually caused by prolonged periods of standing, improper manual handling or repetitive movement. They can have long-term health implication for workers and can cost a business a lot.

Even though conveyors help reduce repetitive lifting and carrying, they can lead to MSDs if they are not designed for the task and users in mind. You have to carefully consider the physical aspects of conveyor workstations. Employees should not assume awkward postures such as twisting or stooping at any given time.

5 Must Have Apps for Entrepreneurs

5 Must Have Apps for Entrepreneurs

Running a business means being able to get the most out of every opportunity, with as less expenses as possible. This is especially applicable to organizing your staff and office. People have enormous potential and true leader is the one who knows how to get the most out of it. Technology can really help with this. There are some truly inexpensive (some of them free) apps out there that can be of great help with starting and organizing your business.

Here are a couple of them:

Pocket Expense

This is a personal finance app, but it can be really handy for small business and up and coming entrepreneurs. Starting a business means going to a lot of meetings, business lunches and basically spending money to make money. It’s easy to lose track of all this, especially if your setting up an office in the process. Pocket Expense can help with that. It has an intuitive interface, it can track multiple credit cards and when you want an overview and analysis of your spending – you can get that too.

Yasts

A lot of work is based on familiar routines. But when you’re just starting, you don’t have these set up. That makes it harder to allocate resources. Time tracking software can help you figure out how long it takes to do a certain task or how long is an optimal break. After you acquire these information (for every employee and every sector individually), you get a clear overview of the way your employees spend their working hours. Yasts is an app which does just that and it’s great for small and medium-size business.

5-must-have-apps-for-entrepreneurs

Shiftplaning

Organizing a shift schedule used to be a lot of work. With Shiftplaning it’s basically automatic. Having a well organized schedule makes your office more productive and your employees happier and protected from burnout syndrome. Shift can be organized collaboratively, so your employees can pitch in and make arrangements based on their particular circumstances. This app is also available on all devices and platforms – which means you don’t have to organize a big meeting to let everyone know about future plans. Budgeting based on the amount of work hours is also done within this one app.

Producteev

Good manager knows which tasks can be delegated and to whom. There is an app that can be of great help with delegating and following up regarding particular tasks. Productiveev works on all devices and platforms and it can manage businesses of all sizes. Once you assign a task to a specific employee, you can set alerts, milestone and follow the progress in real time. It can also be filtered by different criteria, allowing you to assign the task based on location, expertise and amount of work employees already have on their plate. This helps with bringing newer employees up to speed and easing them into a job.

Streak

Work isn’t everything. It’s important to maintain a balance with your personal life. Try to eat healthy and exercise regularly. Don’t forget to have hobbies and goals outside of work as well. All of these need to be tracked and organized. Streak is an app built just for that. It’s based on don’t break a chain principle, which can apply to almost any activity that needs to be repeated. It comes with notifications and reminders and can be used on your computer or any mobile device.

Having the right tools makes every job easier. These apps will help you start and maintain any business (large or small) in any industry. Just remember – no apps can be a substitute for having a good team of employees.

 

Save

4 Things Your Personal Injury Attorney Needs to Know

4 Things Your Personal Injury Attorney Needs to Know

Medical malpractice, dog bites, construction and traffic accidents all happen on a regular basis in the United States. According to the numbers provided by the National Center for Statistics (a department within the CDC), over 30 million people are injured every year across the country. Of these, around 2 million require hospitalization, and more than 160,000 are fatal. Furthermore, statistics from National Highway Traffic Safety Administration show that there are more than 5.5 million car accidents each year, which leads to around 3 million injuries and 40,000 fatalities.

If you ever find yourself in a situation where you have a personal injury lawsuit on your hands, you have to be aware that these cases can be extremely complex. This will probably a very stressful time in your life, and it might be tempting to focus on simply getting through each day. However, despite the lack of energy, you have to get an experienced lawyer to handle your lawsuit. Now, in order to be thoroughly prepared, your lawyer will need every little detail you can remember about your injury, in addition to any personal information.

attorney-save-money

Provide Your Lawyer with Your Medical History

Your lawyer has to know about any previous injury you suffered in the last couple of years. For instance, one of the first things an insurance adjuster might say is that your current injuries are related to your past accidents in an attempt to deny your claims. Therefore, your lawyer has to be completely informed, in case he needs to dispute this. Thankfully, there are law firms, such as Bordaslaw, that will help you gather all of your medical records, and even set up an additional examination if needed.

Inform Him about Your Financial Situation

When it comes to personal injuries, many people lose their job in the months following the accident. If this happens to you, and you have to file for bankruptcy, tell your lawyer instantly. If you file for bankruptcy during the case, you might the money even after you settle, because that money will become a part of your estate. But, if you notify your lawyer about this on time, they may be able to team up with your bankruptcy lawyer and secure a part of the settlement for you.

Talk about Your Criminal History

While any misdemeanors or felonies will probably not affect anything, if your case goes to court, any legal problems you might have had in the past may be brought up during the trial. The insurance company will certainly check your criminal background, and they will use anything they can to try to discredit you. So, it’s vital for your lawyer to have all of the information about your past activities that the opposing council has, so that they can be fully prepared.

Supply All Requested Documents on Time

Chances are, you will have to fill out a number of forms, and provide your lawyer with medical and insurance documents every few weeks. In order to help him meet any filing deadlines, you have to provide every document in a timely fashion. The legal process will take long enough, so you don’t need to add to it by taking extra time to provide the requested details about your accident.

Conclusion

While around 95% of personal injury cases are settled out of court, you also have to be aware that around 90% of cases that make it to the courtroom end up losing. In most cases this happens due to lack of preparation and negotiation. Apparently, most people in the United States assume that negotiations happen rather quickly, but the reality is quite different. These negotiations can sometimes last for more than a few months, and if you want to reach a suitable settlement, you have to be patient, and more importantly – cooperate with your lawyer and present them with as much information as you can.

GBP May Stand More To Lose Than EUR After Terror Attack

GBP May Stand More To Lose Than EUR After Terror Attack

Bastille Day celebrations in Nice, France were interrupted tragically by an attack that took the lives of almost 100 people. That terrible action is undoubtedly a terrorist attack, one which joins the sad roster of similar assaults that already includes Brussels and Paris. Read more

How To Have A Great Summer Vacation On A Budget

How To Have A Great Summer Vacation On A Budget

Have you ever sat there looking at photos on your computer wishing that you were sipping espresso in Paris or relaxing on a beach in the Carribean? If so, you need to stop dreaming and make this your reality. You and your family deserve some time away, and there is no better time to plan than right now. Here are some summer travel tips that will help make planning a simpler process. Read more

eToro – Different Brokerage Company

eToro – Different Brokerage Company

Although it is a pretty much young brokerage company, eToro has become one of the fastest growing trading companies in the world. Today, this company operates in more than 140 countries worldwide, whose platform use more than five million regular traders. If you had an opportunity to work with them, then you already know why they are so popular. eToro is not just the ordinary brokerage company. They are simply different. They have a very specific approach when it comes to education of their clients. We all know how online trading difficult can be. Guys for the company made an effort to educate their clients and explain complex things in a funny and amusing way. Read more

How First-Time Homebuyers Can Save Money

How First-Time Homebuyers Can Save Money

It can be very exciting purchasing your first home. However, even for home buyers who are more prepared, the cost of a house can cause a lot of fear and trepidation. Making an investment into a multi-unit property that has a mother-in-law apartment or another type of rental can provide you with extra income that can help ease any financial anxieties you might have and help with covering your mortgage.

So be sure to take the time to look into all the benefits that are in making multi-unit property investments and consider whether you are prepared to accept all of the responsibility that comes with it. Read more

Redefining Credit in the Twenty-First Century

Redefining Credit in the Twenty-First Century

There was a time not that long ago when credit was a dirty word, when “reputable” people either bought what they needed by paying cash for it or went without. My, how times have changed. No longer must a person deny themselves even the most frivolous trinket until they have the cash with which to purchase it; they just whip out one of a stack of credit cards and shop to their heart’s content. Read more

Water Heaters- How to Reduce Energy Costs?

Water Heaters- How to Reduce Energy Costs?

Heating your home can be expensive. Heating water can also cost a lot of money. Most people think about their heating system when they are trying to cut energy costs; however, many people do not think of how much energy a poorly functioning water heater can expend. In fact, according to the website Energy.gov, your water heater costs approximately 18 percent of your total energy bill. Water heaters are the second largest Read more

Cut Down on Your Bills: How to Save Money Today!

Cut Down on Your Bills: How to Save Money Today!

1. Adjust Your Thermostat

When the weather is cold, make sure you turn down the thermostat to a temperature that is cool but bearable. Similarly, when the weather is warm, make sure the thermostat is turned up. While you don’t want to be sweating in your home in the heat of summer, there is no Read more

Insulate Your Home And Save Money

Insulate Your Home And Save Money

You probably don’t spend a lot of time thinking about insulation. After all, it just sits in our walls, silently biding its time. Then, along comes a chilly draft, a three digit utility bill, or super-hot or sub-zero weather. Suddenly, you are thinking about it all the time.

You find yourself sitting at home wondering if it is a good idea to add insulation to your basement, walls, and ceiling. You wonder which density is best, which width, thickness, and type would delver the best value. And, once the installation is complete, you wonder if you have done enough. Read more

List of companies which provide solutions for alternative energy sources





alternative sources of energy
Read more

The Energy Tax Credit

The Energy Tax Credit

For Your Home
The Energy Tax Credit is one of the best ways to save money on your taxes involving home improvements.

Here is a basic run down of how the tax credit currently works and which products are eligible.

1. Tax credits are available at up to 30% of the cost, with a cap of $1,500 in 2009 & 2010 (only for existing homes, not new construction, and must be your principle residence) for:

  • Windows and Doors
  • Insulation
  • Roofs
  • HVAC
  • Water Heaters
  • Biomass Stoves

Tax credits are available at 30% of the cost, with no upper limit, through 2016 (for existing homes & new construction – this doesn’t have to be your principle residence, for:

  • Geothermal Heat Pumps
  • Solar Panels
  • Solar Water Heater
  • Small Wind Energy Systems

Read more

Alternative Energy Sources

Alternative Energy Sources

Alternative energy sources (also called “free energy”), are here to help us reduce pollutants, greenhouse gasses, and preserve many of the natural resources that we currently use for energy production.

These renewable energy sources include solar power energy, wind power energy, geothermal energy, and hydroelectric energy.

Not only are these great ways to save energy and our environment, but two (2) of them, in particular, are an excellent money-saving ideas for home energy savings. Read more

Advantages of Solar Energy

The advantages of solar energy are truly remarkable. Not only is it one of the best ways to save money on utilities, it’s a great way to utilize an alternative energy source to help our environment.

Just look at the benefits…
Solar Power Energy is Everywhere
The sun provides us with an unlimited supply of solar power energy to use day in and day out. It is a totally renewable source of energy that we can ultimately call “Free Energy”.Advantages-of-Solar-Energy

Solar Power Energy – Free Energy
Harnessing our energy from the sun, is by far one of the best money saving ideas known to mankind.

After your initial solar energy panel investment has been recovered, the solar power energy that you produce from the sun’s rays is absolutely free…….courtesy of the sun!

But the advantages of solar energy (the sun) doesn’t stop there…….

If your solar energy panels produce more energy than you use, you can feed this energy back to your utility company and “bill them for it!” Um…doesn’t that just sound refreshing?

Read more

How Does Solar Energy Work?

How does solar energy work and why should you harness it?solar-diagram

Solar energy is one of the best ways to save money when it comes to home energy savings.

Solar energy (the sun) can be used to power your T.V., refrigerator, air conditioner, water heater, and virtually all of your household appliances.

In short, solar energy works not only to save money on utility bills, but to potentially make you money when it feeds electricity back to your local utility company.

The concept is fascinating!

Solar panels are designed to collect energy from the sun and convert this energy into electricity. This conversion process is called “photovotaic”, which means…Turning the light (photo) into electricity (voltaic).

Read more

Facts about Solar Energy

Here are the plain and simple facts about solar energy, which should help you in determining whether or not you’d like to install a solar energy system for your home or business.Solar Energy

FACTS:

* Installing a solar energy system is the “motherload” of money saving ideas when it comes to home energy savings.

* Solar energy can replace virtually any device that currently uses non-renewable fossil fuels.

* A solar energy system can provide electricity 24hours/7days.

* Solar energy can be stored in batteries (DC) and converted to electricity (AC) immediately or at a later date.

Read more

Energy Efficient Windows

The best energy efficient windows are the ones that keep the heat in during the winter months and the cool air in during the summer months.

However, many windows allow for air to pass through them easily. Which can be a huge part of your energy usage.

In fact, those with windows that are not providing a good amount of insulation can be losing up to 30 percent of their energy usage…”Right out the window!”

The Candle Check

You can’t always feel or see a draft from your window.Energy Efficient Windows

So take a leaf blower to the outside of your windows.

Inside your home, run a candle slowly along the edges. Notice where the candle moves. If there is movement from any area, then this is an immediate problem that’s costing you money.

Once you have an idea of where the problem areas with your windows actually are, you can remedy them by replacing or adding caulking around the interior or exterior of your home’s windows.

Consider weather stripping as well. You can purchase self sticking foam as well as rubber weather stripping that can be added to virtually any window.

Should You Replace? Read more

Residential Solar Energy Projects

Do-it-yourself residential solar energy projects are great ways to save energy

In fact, solar energy for homes can make your home energy savings so high that you couldn’t call it home energy savings anymore…you’d have to call it something like…Free Energy”

Residential Solar Energy ProjectsThe problem with adding solar energy panels for most people is that it’s not very cost effective.

When residential solar energy panels are installed by solar energy companies it can set you back over $30,000 and take almost 30 years to get paid back, depending on the current energy tax credits and your local utility rebates that may be provided for your area.

Who, in this economy, has that much time and money to invest in solar energy equipment?

Read more

Energy Efficient Light bulbs

Installing energy efficient light bulbs throughout your home is one of the many ways to save energy and one of the more practical ways to save money on your utilities.Energy Efficient Light bulbs

In addition to replacing your old energy consuming incandescent light bulbs with your new energy saving light bulbs, try making it a habit to turn your lights off each time you leave a room. But don’t let the energy savings stop there…

If you have a string of say (4) lights in a particular room, you might consider utilizing just two of the light sockets in that room if it provides sufficient light for your needs.

So what are these new and improved light bulbs called? They are called “Compact Fluorescent Bulbs”, and they truly do “Outshine the Rest”!

Read more

Home Energy Savings

Most of us homeowners have some big and some small things that we can do to save money on utility bills. Whether you just want to drop a few dollars off your bills by installing some energy saving light bulbs (that’s a good penny pincher idea), or whether you want to install some solar energy panels (a good dollar stretcher idea), doing just a few of these things can make a tremendous amount of difference on your home energy savings.Home Energy Savings

Did you know that most folks lose up to 30% or more of the energy in their home without the need to? They might as well just take a $50 bill and flush it down the toilet every month…It’s the same thing if you think about it!

Save Money On Utilities
The good news is that you can save money on utilities without it being over challenging or over costly. In fact, some of the simple things that you can do are as easy as flushing a toilet…ha ha…no pun intended. There are some creative ways to save money that will cost a decent amount of money to implement into a home. These are usually the type of money saving ideas that can save you a great deal of money.

On the following pages we are going to show you some money saving tips and tricks that you can do right away to save money on your utilities. That’s right, were going to show you how to save money fast!

First we will start with some of the easiest ways to save money and then we will work up to the larger home energy savings. Read more

Save Energy

You mean…I don’t have to pay for my electric bill anymore?

Yes…that’s right! In fact, instead of paying for energy used, you could actually receive a check from your local utility company for the energy you produce.Home Energy Savings

Below and on the following pages you will discover some simple strategies to save money on utilities as well as some advanced and creative ways to save money on your electric bill… (Actually, I should say…”make you money on your electric bill”)

Yes, you heard it right…we have accumulated some outstanding money saving ideas for your home energy savings. Some of which can actually make you money!

First we will talk about energy efficient light bulbs, the best energy efficient windows, and include some general home energy-saving-tips to help make your home a “Lean-Mean-Saving-Machine”.

Then we will explore the facts about solar energy.

Answer the question: How does solar energy work?

Discuss the advantages of solar energy.

Provide you with a list of solar energy companies in your area, and present some residential solar energy projects (for all you do-it-yourselfers out there).

Last, but not least, we will discuss some other alternative energy sources along with the energy tax credit you will receive when installing one of these energy saving devices.

DMOZ Free Directory Submission