Monthly Archives: November 2016

Four Habits to Go Debt-Free

Go Debt-FreeAre you suffering from crippling debt? You may think you’re in a hole that’s impossible to rise from, but slow and steady progress will help improve your financial situation.

Here are a few hacks you can check out for debt management:

Prioritize the highest interest rate

List all your debts according to interest rate instead of total amount to pay per month. The sooner you get rid of the debt with the highest interest rate, the less money you lose and the weight of your debt will lighten.

Look into mortgage refinancing

If you’ve got a fixed-rate mortgage, it might be a good idea to refinance and lower the interest that you pay. Make sure you take a close look at your current terms as well as the new ones, says Altius Mortgage Group. While refinancing mortgage is a good option, you might end up paying more in fees.

Always pay your monthly minimums

If you don’t meet even the month’s minimum amount, you risk increased interest rates as well as late fees. When you pair off this technique with paying off the debt with the highest interest, your monthly dues will definitely reduce.

Don’t neglect your savings

Regardless of how much income you earn or how big your debt is, you should always put some money away for savings. Choose a manageable monthly amount that you will take out before you start paying bills.

Pay yourself first, and be as strict with this payment as you would be of any debt. When you have money saved up, you create a buffer that allows you to meet necessary payments in case there is a change in how much you earn.

Positive financial habits can be life-changing, if you follow through with them regularly. The best part is, when you’re on the other side of your debts, you would have developed personal finance habits that will allow you to build wealth.

Which Ovens are the Best Choice for Your Kitchen?

Best Oven for Your KitchenDid your oven break down or are you thinking of buying a new one? Don’t pick the first one you see off the shelf. Consider your options, especially now that the selection has expanded due to the innovations the past few years.

Shopping for an oven may be a nerve-wracking experience, especially if you’re buying one for the first time. HAGGLEFREE™ shares a few things you need to remember when selecting a new oven for your kitchen.

What to Consider

The first thing that you need to consider before you head to the shop or order one online is to know your needs. Do you bake for a living or as a hobby? Is it necessary for you to have dual range ovens or double wall ovens? These are the things you need to ask yourself – do your research.

Set a budget, as the prices can go from low and acceptable to high and unjustifiable so, as aforementioned, do your research about how much each style and brand costs. But, also remember not to compromise quality for the price tag. If you can, watch for discounts and sales through email subscriptions, as they can also provide you with coupons.

Options to Choose From

Whilst it’s true that ovens come in various makes and models, you can’t just buy one and install it at home, as there are things you need to find out first, such as its size, interior space, colour and optional accessories.

Two types of ovens are usually head-to-head, and your purchase depends on the usage. First, there are gas-powered ovens. These are the more traditional ones and usually, these are hotter at the top than at the bottom, which makes it necessary for you to rotate the food for thorough cooking and browning.

These days, electric ovens are the popular choice and there are always new varieties popping up. This type used to dry out food, but the new ones on the market today are combination steam convection types.

If you need more help, ask an unbiased technician, as he or she is honest with his opinions about the various brands that offer the same products. If you’re purchasing an oven soon, remember these and you’re sure to get the product fit for your needs.

3 Ways to Use Social Media for Brand Awareness Campaigns

Social Media Marketing in Johnson CityThe brand image can make or break a company’s campaign to reach out to a new market or keep a current one loyal. Today’s digital landscape has made it easier for businesses to enter and leave markets, this dynamic place has made it both easy and difficult for companies to make and leave a lasting mark. Social media is a platform that allows you to build a strong brand identity and raise awareness. Learn the different ways to achieve this goal.

Inject Excitement

According to Net360 and other experts on social media marketing, you want to stir excitement in your target audience to not only get them to make an initial purchase, but also to keep them loyal. Social media provides you with the necessary platform to achieve this goal without overspending. Promotions, paid or organic on Facebook, Twitter, and other websites allow you to inform potential customers about your latest offerings. This may excite them and encourage them to purchase often.

Balance Content

When you promote on social media, always think about balancing it. Overtly aggressive promotions about hard selling products and services may turn off a potential customer. People see advertising on a regular basis and with technology, it is easier for them to tune out or even block ads from appearing. Striking a balance between posts that advertise your company and your brand story is important to your success.

Focus on the Right Channels

Social media provides you with several options when it comes to promoting your brand and reaching your audience. Using all or many sites simultaneously may spread your team and resources thin, resulting in an inefficient campaign that doesn’t deliver. Choose which websites work best for you and where you think your audience stays online the longest and engages the most.

Social media is a dynamic platform that provides a lot of opportunities for brand success. Leverage this to gain a competitive advantage and create a powerful connection with your audience.

Home Maintenance: Cleaning & Caring for Your Tile Flooring

Floor Maintenance in Ladera RanchTile flooring is a most popular choice among builders and homeowners due to its many benefits. These have undergone tests for durability without devaluing the aesthetic appeal of a building. Aside from that, ceramic and porcelain tile products are known to be environmentally friendly. This is why many people consider it as a good long-term investment. You can only achieve this, however, with proper care and maintenance service.

Contrary to what many believe, tile floors are easy to clean and maintain. You simply need to be proactive and reactive about it. Here are some ways to keep your tiles looking new:

Basic Maintenance

Sweep and/or vacuum the floors regularly to remove dust or debris. Do this before using any cleaning product. If you want to lessen the wear and tear from grit and soil, damp-mop your flooring at least once a week or whenever necessary.

For Glazed Tiles

If you have glazed or coated tiles, an ideal way to clean it is by using an all-purpose, non-oil based cleaner. Be sure to check if the solution is compatible for cleaning grout joints and tiles. You may also use a multi-purpose spray cleaner to get rid of soap scum and mildew, which are usually stuck in your bath and shower tiles.

For Unglazed Tiles

As for unglazed tiles, you may use concentrated tile cleaners that are available in the market. This is the safest way to clear away grease, oils, stains and spills. Simply be sure to check the cleaner’s intended application and concentration. For glass tiles, wipe it off using nonabrasive cleaners, which are meant for this type of surface.

Effective Ways to Prevent Damage

Test out scouring powders on a small portion of your floorings before cleaning the full area. Use grout sealer on the joints shortly after its installation. Be sure to check if it is compatible with your floorings. After cleaning, rinse your entire flooring thoroughly to remove any residue from the cleaner. If you notice damaged or broken tile, Flooring, Kitchen & Bath Design recommends hiring a professional tile installation to remove and replace it properly.

It is easy to take your tiles for granted until serious damages popped up. Don’t wait for it to happen and immediately resolve it with these basic maintenance tips for your tile floors.

One Long Holiday Or Several Short Breaks?

Friends on a Ski HolidayThere is a high risk of burnout if you don’t take a break, even as a workaholic. So as a typical employee, you need take time off every now and then. You might want a relaxing, traditional beach holiday or maybe you’d prefer a ski holiday, from tour companies such as Ski Line Limited. It doesn’t matter where you’re going, the most important thing is you take a much-needed break.

So, should you go on one long holiday or take several shorter breaks?

Long Vs Short Breaks

A one-off, lengthy holiday may sound very appealing. After all, it gives you enough time to properly unwind. But a study published in the Journal of Happiness studies says otherwise. In it, researchers liken vacations to sleep. You need to sleep regularly to rest. It’s impossible to binge on sleep and count on it being enough to keep you awake. Regular recovery from work is critical to keep your mind in shape.

Behavioural economist and author Dan Ariely is also fond of multiple short breaks. In his book The Upside of Irrationality, Ariely claims that ‘mini breaks’ create more positive memories than extended holidays. He explains that the enjoyment of a long holiday quickly fades away, especially when it’s about to end. As a result, people return to normal life not necessarily feeling refreshed.

An article from The New York Times explains why short holidays offer better incentives. In it, author Michelle Higgins believes that mini trips are better in creating excitement because of anticipation. This is caused by the planning, which is believed to be more pleasurable than the vacation per se. Researchers say that the length of a break doesn’t even have a significant effect on how people feel about the trip afterwards.

When choosing which ‘type’ of holiday to choose, it’s important to remember that it must fit your lifestyle and what you want to get out of your trip. Some people feel more energized after one long break, while others don’t. Be sure that what you pick works best for you.

Family in Colorado Springs

Rocky Marriage, Friendly Divorce: Can A Marriage End Without the Hostility?

Family in Colorado SpringsAmicable split. Conscious uncoupling. Co-parenting approach. Hollywood will glamorize just about anything, and that includes
divorce. Does this mean your marriage breakup can proceed without the usual hostility?

Disillusion, Then Dissolution

The hostilities of a divorce have deep roots. You are likely to have unresolved issues with your spouse before you both realize the relationship has ended. Blaming each other or yourself isn’t going to solve anything, and trying to outdo one another in getting more out of the divorce will only aggravate your situation.

The family lawyers at Law Office of Gordon N. Shayne share that emotions will run high in every divorce, with anger and bitterness affecting your decisions. This is what makes lawyers crucial to the process; they take you through the transition of dissolving a marriage and on to walking away with what is rightfully yours and your spouse’s. And they try to do it with as little hostility as possible.

Freedom Is Good

A good lawyer can significantly reduce your stress during the mediation or negotiation for the property, finances, and custody of the kids. But you will still have to deal with the aftermath. It will dawn on you that you are single, once again. That is not exactly a bad thing. You can take it as an opportunity to do new things.

It is a new chapter in your life, and you have the power how your story develops. Take time to consider what’s important, now that you’re on your own. Discover what else is missing in your life, and explore new goals.

The end of a marriage is painful. But what happens during the divorce does not have to affect the rest of your life. Get a good lawyer. And have a post-divorce plan.

Getting a New Door? Here Are Things to Consider

Home Door in Salt Lake CityThere is no way to underestimate the visual impact of a beautiful door; it’s a highlight of any home. Aside from the style and looks, it also has to be functional and sturdy enough to hold back unwanted elements.

Material, materials

Front doors can be made of many materials, but the most common material used is wood. Wood has good weight, solidity, and durability, which are topped off by a premium appeal. Often more expensive, wooden doors have many designs available from the understated rustic to more modern motifs. Before deciding on wood, be sure to take note that wood can require more care and should be kept dry to avoid swelling.

Alternative materials are steel and fiberglass. Steel is inexpensive while remaining strong. But unlike other alternatives, it’s prone to develop rust, which can cut years from its lifespan. Fiberglass is the most modern option. It’s lightweight, durable and not susceptible to rust or the problems that face organic materials, like wood.

Sizing it up

Buying a new door is also the best time to considering changing your door size. Standard specs are to build doors 80 inches tall, 36 inches wide and 2 inches tall. Grander homes can naturally be fitted with grander doors. While deciding on the size, it’s also smart to decide how the doors will work and how many panels there will be.

Insulation

Heating isn’t cheap and the efficiency of household heating must be prioritized where possible. Check out doors that can provide insulation. Some door brands, experts at Price’s Guaranteed Doors note, have ENERGY STAR ratings. They count insulation as an important feature and can block heat from leaking.

Style considerations

This is where your creative side must come through. As there are literally thousands of door designs to choose from, try to limit yourself to what will work with your home. Think about the color, the style motif and other details (glass panes, metal trims, etc.) that can make your door stand out.

Buying a door shouldn’t be a hard, but with enough thinking through, the perfect door will welcome you home every day.

Best Time Ever: Preparing for That Grand Alumni Homecoming

Alumni HomecomingYou received an email from your classmate, inviting you to that special homecoming you couldn’t resist. After all, it has been like 10 years since you last saw your classmates. However, when you looked in front of the mirror, you simply did not like what you see. As you do not have the luxury and time, you can try some quick fixes to ensure that you look your best comes the grand day.

Skin Pampering

Dull skin can certainly deter you from gracing that once in a lifetime event. Don’t worry because you can always find some nice skin care spa that could bring about that lovely glow to your face, and even to your arms and legs. If you still have time, like a month or so, you can follow Cosmopolitan’s advice not to go to bed with your makeup on, drink plenty of water from morning till night, and use a sunscreen whenever you go out.

Whiten Those Stained Teeth

Alumni homecoming would require you to smile at the cameras, probably the whole time. If this is the case and you feel that your smile is not so good because of stained teeth, better undergo teeth whitening. Deekaydental.com and other dental professionals noted that this could whiten your teeth one or two shades brighter.

Shrink That Tummy

After you have gone through your wardrobe and you noticed that almost none of your nice party dresses fit, then better do something to shrink the tummy. Start working out. Women’s Health and Fitness says that aside from looking great in any clothing, being able to workout can boost your self-confidence. If you only have a week left and you still have two inches to shrink, better look for a waist trimmer, which you can wear beneath that fab dress.

An alumni homecoming is one special event that you simply have to prepare for. Yes, it may require some time and effort but it will be worth it. Imagine how good you will look the moment you step inside that grand ballroom.

Workforce Efficiency: Seating Arrangement Impacts Employees

Workforce Seating ArrangementHarvard Business Review says that the seating arrangement increases the efficiency of the workforce. The result showed that an organisation with 2,000 workers with strategic seating arrangement has an additional $1 million in profit annually.

In the study, they categorised employees into three types: productive, quality and generalist. Seating productive and quality workers together improved effectiveness by 17%, and grouping the generalists together increased their productivity by 13%. This shows how seating the interconnected functions next to each other impacts the employees’ performance.

Begin by opening your boardroom table from Whiteleys Office Furniture to your workforce and start arranging employees’ chairs and desks.

Know Your Office Fixtures

Use ergonomically made office furniture so your staff will be comfortable, and you are encouraging good health.

Your employees can move around freely with enough space for each of them and between their workstations.

Know Your Different Departments

Understand the function of each department and seat the right teams together to ensure a smooth flow of operations. Know the employees who routinely visit another department, or which departments frequently communicate with each other.

Avoid mixing a department that needs energy and creativity with a team that works with process and structure. For example, place the marketing and sales department away from customer service and finance. Seat them next to your product management and development, since they directly deal with your products and services.

Know Your Employees

Talk to your employees or with your Human Resource department to know which of your staff can sit together or not. Consider their personalities and office relationships.

Place your experienced employee beside a new staff to assist in training and encourage socialisation.

This is one of the most affordable ways to increase the efficiency of your workforce. When you appreciate the function and role of each employee and department, they will return your care with good performance.

This Is Where You Can Find the Best MacBook Deals

MacBook Deals in BromleyMacBooks can be expensive and waiting for the best deals to come could be the best way to beat Apple’s premium pricing. Deal-hunting is easy when you know where to look.

We’ve compiled some websites you should bookmark while you play Silent Night on repeat. These online shops and voucher hunters are known to feature the best deals across the web during the holidays, making them essential sites for deal hunters across the UK.

Currys

This chain of electronics and technology store is notorious for their generous markdowns come holiday season. Last year, they cut a generous £110 off the price of a brand new 13” MacBook Pro with Retina display. That brought the price down to about £889 apiece.

To prepare for the sale season, Currys already lists markdowns that can only get bigger.

Bookmark Amazon’s Sale Page

Amazon, the global ecommerce giant, can afford to give the most lavish deals online. If you have a Prime subscription, you can enjoy even more savings by getting free shipping. Many items sold on sale at Amazon have limited stocks.

Be careful when buying accessories, though. Apple reportedly complained that Amazon carries counterfeit products on the site.

Check Out the Deal Sites

Many deal sites sweep the web for the best deal sites around. By subscribing to their mailing lists or visiting their websites regularly, you can get first dibs on what is on sale.

Platforms like Deal Box UK and Hot Deals UK dig up sales and vouchers so you don’t have to. They also conveniently allow users to verify voucher codes so you don’t have to worry about a coupon failing at checkout.

With most Apple computers shifting to less ports, don’t forget to check out discounts for dongles and accessories. EssentiallyMac Ltd., a group of Apple-certified engineers, suggests using only accessories from reliable brands. While these may come at a higher cost, they’ll likely keep your Apple devices happy.

There are many reasons the holidays bring joy upon the land. For others, it might be the snow and the lights, but for many, it definitely has something to do with the extraordinary bargains.