Blog Blog Copyright by en Fri, 12 Aug 2022 17:47:40 -0400 5 Financial Strategies To Improve Your Medical Practice’s Profitability

Strategies to keep your medical practice profitable

The goal of any medical practice is to maximize its profits. The most direct route to boost profits is to get services and pricing right. This strategy can boost sales far easier than trying to increase patient volumes. Here are five critical strategies that will improve your medical practice's profitability.

1.    Work on an Employee Retention Strategy

Turnovers can be extremely costly to medical practices. You will incur payout costs and recruitment costs when staff leaves your practice. You will also have to incur direct and indirect costs as you train the new employees.

Never forget that your employees come first. They are your greatest asset. Provide them with fair salaries and be open to making concessions that will make them happy and comfortable. If the employees feel appreciated then they will remain longer in their jobs.

2.    Find Capital Drains

A close examination of your medical practice's expenses will reveal areas you're overspending. For example, you could be overspending if you renew your property lease without checking whether you qualify for any lower payments. Another area to pay close attention to is utility bills. Hight utility bills could be an indication of excess energy consumption. This could be caused by computers, machines, or ACs being left on overnight or throughout the weekend.

3.    Organizational Restructuring

One of the key wastes in any facility is motion. Waste due to motion results from the unnecessary movement of people, machinery, or equipment. In any medical facility, practitioners move around a lot treating patients and sorting payments.

Inefficiencies caused by such wastage can result in patients waiting for hours to be seen by the doctor. These patients likely won't come back to the facility. If patients' records are constantly being lost then they will surely move to a new practice.

Before restructuring the processes in your practice, identify areas where there's inefficiency. Seamless organizational processes will ensure quick closure of tasks and free up your time to see more patients.

4.    Adopt a Practice Management Software

Adopting a practice software system can help streamline operations in your practice. This system can help in keeping patients' data organized. The system can also enable easy file sharing between employees in the organization. Employees can have various access levels hence sensitive patient information is safeguarded.

Accounts teams also have an easy time billing. In other practice software, patients can schedule online and even access their treatment records.

Despite the initial installation cost, practice management software can help speed up treatment processes. Finally, it can help in minimizing costly errors by limiting human intervention.

5.    Keep an Eye on your Fees

Always remember to increase your fees as the costs in your medical practice increase. Slowly raise your fees to match rising business costs to ensure you maintain your profit margins. You’re actually not overcharging your patients for the sake of increasing profits. This is so as to ensure your practice stays afloat.

A keen and analytical mind is necessary when looking for strategies that may boost profits for your medical practice. You need to analyze all processes that may be causing inefficiencies and restructure them. A practice management software will streamline all operations and make time for you to see more clients.


Naomi Olson [Website TwitterHeadshot]

I am a CFP® (Certified Financial Planner).

I have a severe phobia of bridges and dirty balance sheets.

Hobbies: blogging, meditation, and loving Bull Market (my dog).

Uncategorized Editor Tue, 28 Jun 2022 05:03:21 -0400
How to Evaluate Structured Settlement Buyout Offers A structured settlement is a payment a person gets after winning a claim for things like an accident, medical malpractice, or worker’s compensation claims. It is called structured because the court regulates it, and you only get a certain amount for a specific period. This settlement is future protection and keeps the recipient in a safe financial position, should there be costly circumstances resulting from the injuries.

There are many reasons why you may want to sell your payments to structured settlement companies. It could be that you lost your job, want to buy a new house, marry, or start a business, but you do not have enough money. Here is how to evaluate the buyout offers you get from buying companies.

It’s vital to evaluate the offers you get from buying companies and choose the best. You will not receive the exact value of your settlement, but selling can be an ideal decision if you are in dire need of cash. Make sure you have a genuine reason for selling your structured settlement. Companies like We Pay More Funding buy structured settlements, but you need to carefully evaluate offers to get something close to the worth of your settlement.

  1. Shop Around

It is crucial to find the company with the best ratings. Instead of running to the first offer that comes, look at the online reviews coming from prior customers of the companies to get a gauge of how you will be treated and paid out. You can then factor in different elements to determine the best offer. While at it, keep in mind that you will have a short period before you are penalized.

  1. Get All the Information Upfront

The selling requirements vary by state. Take some time to learn the rules in your state regarding structured settlement sales. This is one crucial thing that will help you learn the costs of selling the settlement and which offer is the best to cater to these costs. Check on the timing and the fees. If you are using a broker, ensure they will pay the fees.

  1. Get an Attorney

The good thing about using a lawyer when selling your settlement is to help you understand the restrictions, consequences, and costs of selling the benefits. The professional will help you understand the impact of your financial future once you sell. If you agree, they will help you plan and execute the sale. The expert is also vital when evaluating offers. If you want to get a good offer, work with a lawyer who has dealt with such transactions before.

  1. Know the Buyer Well

It is best to choose an offer from a company that has been in business for several years. Make sure the company is financially sound and able to cater to the payout. This is a vital step if you want to get the full offer.


If you have decided to sell your structured settlement, make sure you take some time to evaluate your offers. The cash you get will help cover vital things like buying a house, education, investing, or any other critical needs. Collect quotes from several companies and scrutinize the buyer well before selling.

Uncategorized Editor Fri, 17 Jun 2022 00:26:13 -0400
How To evaluate the Most of The Booming Housing Market  As a homeowner, you would like to sell your house at a reasonable price, but you should know the economic state affects the housing market. The demand also dictates the house price, determined mainly through available supply. With high demand for houses and low supply, you will find the prices of houses going higher and increased rent, which might leave other people homeless.

Since your house is immovable, the law of supply and demand applies, and here is the economic theory that dictates the price you will sell your house in your region and decide if the best time to say, "let me sell my home fast."

Demand And Supply Of Real Estate

Like most markets, the housing market depends on the supply and demand chain. As the seller, you may place the house for selling, but it is up to the buyer to buy or reject your offer; on the other hand, where there is a low supply, your house may have multiple buyers trying to outbid one another by offering high prices. And you have to choose the highest bidder.

 A state will have high house pricing when there are good quality properties with an inadequate supply, and when there is a surplus of properties in a weak economy, the properties will be in low demand; hence the house prices will fall.

Factors that Affect the Housing Supply and Demand

Measuring the value of supply and demand in the real estate market is difficult simply because it will take quite a long time to build new homes or renovate the old ones. What makes it trickier is that it takes longer to sell homes than any other products in the other industries.

Lower interest rates in the financial sector can influence the house price. Low borrowing costs will make many people take loans to finance housing since the interest rates won't burden them. The more there are many buyers in the market in a limited housing supply, the higher the prices because of increased demand.

Although the supply of houses is primarily constant, it may go higher when many people are moving to avoid downsizing or moving to bigger houses or after purchasing their homes. Similarly, there might be an increase after constructing new houses, adding to the existing ones.

A natural disaster like floods and earthquakes may cause a sudden decrease in housing inventory or when people's houses are demolished in significant numbers.

 How the housing market crashes

 An economic recession that leads to a financial crisis can crush the housing market. When there is no law of demand and supply, the housing market will crash. In 2007, there was a collapse in the housing market that led to an oversupply of houses in the market, which decreased the property percentage.


Real estate's economic factors go around the supply and demand of the houses in the market. The law of demand and supply makes sellers and buyers interact, so if you are in a town that has a higher demand for houses, you might sell your home at a higher price than when you are in a town with lower housing demand.

Uncategorized Editor Mon, 13 Jun 2022 23:41:56 -0400
What Is the Workplace Pension and How Does It Work? Nowadays there are many types of pensions available in the UK, among these the workplace pension is one of the most common. It can be called occupational pension or company pension, too and it consists of a savings scheme in which your employer will also contribute. As a matter of fact, all British employers are currently required to contribute to their employees’ future by depositing a minimum amount every month, which will help you build your pension fund. The government will also contribute to your future through tax relief. Essentially, by choosing to open this particular kind of plan, your employer will help you build your retirement pot by paying you a little more. Of course, this way you’ll have to raise your contributions too. By opening a workplace pension, you won’t be able to access your money right away. In fact, the retirement age in the UK is currently set at 55, once you reach that age you will eligible to access and withdraw your money. There are two different kinds of workplace pension British citizens can choose: defined contribution pension scheme and defined benefit pension scheme. By choosing the first one you’ll have to deposit a percentage of your salary and your employers will have to contribute as well. The money deposited will be later invested by the pension provider. Keep in mind that, just like any other kind of investments, your money could grow but could also go down. The latter, the defined benefit pension scheme will grant you a pre-defined amount once you reach the retirement age. But how to know how much you’ll get? The amount will depend on how many years you’ve worked.

What are the other types of pensions available in the UK?

UK residents have a great choice regarding the kind of schemes available for their retirement years. They can choose to open a private pension, which is best suited for independent workers and which will give them the freedom to choose how often and how much to deposit. The state pension on the other hand is a specific scheme which will grant you access to a pre-established amount once you reach your retirement age, which in this case will be a little different. In fact, the retirement age for the state pension is set at 66 years old. The amount you get will be based on how much you put on your fund every month and on your contributions as well.

How do all pension schemes work in the UK?

As we have seen, UK residents have a wide choice regarding the many types of long-term schemes designed to provide and income for when they stop working. Even though every pension fund is different from the others, there are some common rules that apply to each of them. For instance, whichever type of plan you choose, you won’t be able to access your money before a certain time. The retirement age in the UK is set at 55 years old for the workplace pension and the private pension. On the contrary, people who chose to open the state pension will be given access to their money when they turn 66. Also, the government will always contribute to your future through tax relief. Lastly, it is crucial to remember that the money you put in your pension fund will always be invested. That’s why you should always keep in mind that all investments are risky are subject to the market’s fluctuations. This means your money will have the chance to grow but might also go down as well.

Uncategorized Editor Mon, 16 May 2022 04:12:02 -0400
Cryptocurrencies and Trading Crypto in Dubai: the Benefits and the Risks The rise of cryptocurrencies has been nothing short of meteoric in recent years, with Bitcoin and other digital assets becoming increasingly mainstream. And as more and more people invest in cryptocurrencies, it's no surprise that there is growing interest in trading crypto in Dubai. After all, Dubai is a global financial hub and is home to several exchanges that allow for the buying and selling cryptocurrencies.

However, before you start trading crypto in Dubai, it's essential to understand the benefits and risks involved. This article will look at some of the benefits and risks associated with trading cryptocurrencies in Dubai.

Benefits of trading cryptocurrencies in Dubai

Certain benefits make trading cryptocurrencies in Dubai attractive to many traders. These include:

Access to a global market

One of the key benefits of trading cryptocurrencies in Dubai is that it gives traders access to a global market. Most cryptocurrencies are traded on decentralised exchanges, which are not subject to the jurisdiction of any single country, which means that traders from all over the world can buy and sell cryptos without having to worry about government intervention.

24-hour trading

Another benefit of trading cryptocurrencies in Dubai is that the market is open 24hours a day, seven days a week, because cryptocurrencies are traded on decentralised exchanges, which are not subject to the jurisdiction of any single country. Traders from all over the world can buy and sell cryptocurrencies anytime, around the clock.

Potential for high returns

Another benefit of trading cryptocurrencies in Dubai is the potential for high returns. We've seen the price of many cryptocurrencies increase dramatically over the past year. For example, Bitcoin, the most well-known cryptocurrency, has seen its price increase from around $1,000 in January 2017 to over $19,000 by December 2017.

Of course, it is essential to remember that past performance is not necessarily indicative of future results. However, the potential for high returns is undoubtedly one of the main reasons many traders are attracted to cryptocurrencies.

Risks of trading cryptocurrencies in Dubai

While specific benefits make trading cryptocurrencies in Dubai attractive, there are also certain risks that every trader should be aware of. These include:


One of the main risks of trading cryptocurrencies is that they are highly volatile, which means that their prices can move up and down rapidly in a short space of time. For example, Bitcoin fell from around $19,000 to below $11,000 in just a matter of days in December 2017.

This volatility can make it difficult for traders to make money as they may have to close their positions quickly to prevent further losses. It can also make it difficult to predict which direction the market will move in next.

Lack of regulation

Another risk of trading cryptocurrencies is that any government body does not currently regulate them, and this means that there is no protection for investors if things go wrong. For example, if an exchange is hacked or a cryptocurrency company goes bankrupt, investors will not be able to claim compensation from the government.

This lack of regulation also means that there is no guarantee that cryptocurrencies will continue to exist in their current form. For example, the government could ban all cryptocurrencies or impose strict regulations on their trade, which could significantly impact the price of cryptocurrencies and cause them to become worthless overnight.


While specific benefits make trading forex crypto in Dubai attractive, there are also certain risks that beginners should be aware of. These include volatility and the lack of regulation. However, as long as you are aware of these risks and are prepared to take them, trading cryptocurrencies can be a great way to make money.

Remember to do your research before investing any money and always use a reputable and experienced online broker like Saxo Bank before investing in Cryptocurrencies in Dubai.

Uncategorized Editor Sat, 14 May 2022 04:16:09 -0400
Bayswater Properties: Top 4 Reasons Why You Need a Property Manager Living in Bayswater is so fun. This suburb of Melbourne is well known for its beautiful attraction and exciting events, and it has a lot of outdoor activities to offer. For this reason, investing in a rental property in this area is considered a wise choice.

However, many property owners find a hard time finding prospective tenants. Plus, in terms of managing the place, especially if they don't live nearby or are too busy with something.

If you're one of those people who's getting stressed about your investment property, you can consider a property management Bayswater company. In this blog, we'll discuss how it can help.

What Does a Property Management Company Do?

A property management company consists of property managers who are in charge of property operations. Their main responsibilities usually depend on the kind of property they are managing, how much they are getting paid, and the terms they will discuss with the owner.

But typically, they are in charge of establishing good communication between tenants and owners. Besides that, a property manager can also be the one to advertise the property to get potential tenants and manage any issues within the place.

Why Should You Get Help From a Professional Property Manager?

Not everyone chooses to hire someone else for their property, usually because of the additional cost. But if you own any rental properties in Bayswater, here's how a good property manager can help you.

1.    Market the Property Well

If you hire a property manager with excellent marketing skills, your property will less likely be vacant. The manager will know the right strategies and marketing trends to reach out to potential tenants. In addition to that, the manager will also craft advertisements that will stand out.

2.    Find Potential Tenants Conveniently

Looking for tenants that will agree to your terms and conditions can be stressful. But with the help of an experienced property manager, this process won't be that complicated. The manager will be in charge of screening tenants to make a deal with the best ones.

3.    Set and Collect Rent Easily

Many expensive properties stay vacant, and when that happens, you will fail to get a good return on investment. By getting property management services, you'll have professional help in terms of setting the right amount of rent. The right manager will know what price is the best for your property and make it adaptable to the increasing rental market.

4.    Maintain Your Property Without Hassle

If your house isn't close to your investment property or you are busy with work, it's hard to maintain it. You'll be required to keep going to your rental property every time it needs a repair or there are issues with your tenant. But with the help of experienced property managers, you can feel confident that someone is taking care of it. Your rental property will stay in good and habitable condition.

Tips for Finding the Right Property Manager in Bayswater

There are many property management companies in Bayswater. If you need one, you can simply search online. But to make the costs of the services worth it, consider the following tips:

●     Check the Reviews

Since more and more property managers are becoming available these days, you need to be wise and pick the right one. You can start by visiting websites and checking the reviews. Client feedback is the reflection of how good the services of a company are. So, only trust one with many positive reviews.

●     Compare Prices

The prices of property management services usually depend on the package you will avail of. However, there are companies with the same service quality but much more expensive pricing. For this reason, it's important to check the prices and compare them. Choose the one with quality services at the most affordable price.

●     Only Rely on the Company with Proven Experience and Result

There are many companies that will claim to be good property managers. But the results are the only thing you can count on. No matter how promising their words are, they won't matter if their work isn't great. So, only get help from an experienced company and ask for their a proof.

●     Choose a Company Who Knows Bayswater Well

Even though the company already has many experiences, it will not help if they are not familiar with the Bayswater area. They won't know how to set prices, market the property, and handle everything. Thus, choose one who knows the Bayswater well.

In Conclusion

Getting a Bayswater property for investment is a wise idea. But to make sure that you earn a good profit from it, you also need someone who will manage the property. Thus, consider hiring a professional property manager who knows the area well. If you choose the right one, everything will go smoothly for you and your property.

Uncategorized Editor Sat, 07 May 2022 05:47:38 -0400
3 Things You Must Know When Relocating to the Gold Coast The Gold Coast is an amazing place to live, with plenty of activities and opportunities available. However, it's important to know some of the unique aspects of living in this region before saying, "Hello, Gold Coast!"

Property advisors at Simply Gold Coast share the following must-knows to ensure a smooth relocation process.

1. It’s easy to get in and around the area.

You're wrong if you think getting around the Gold Coast city council is challenging.

Riding a Bus: Gold Coast's bus service is generally reliable, with over 60 bus routes throughout the city. It is an affordable alternative to spending money on petrol, with Gold Coast being one of the most expensive cities in Australia for petrol. The Gold Coast's bus service covers a wide area, including the city centre, Surfers Paradise, beaches, and hinterland. Some buses run between Gold Coast and Brisbane. The service is generally reliable, with buses running on time and few delays. However, there can be heavy congestion during peak times, particularly on Friday and Saturday nights.

Getting a Taxi: There are plenty of taxis and Uber drivers to help you get where you need to go. Taxis can be hailed in the street, or you can find them at taxi ranks in dining precincts and shopping centres. Ubers are also plentiful on the Gold Coast, so you shouldn't have any trouble getting around.

Taking the Train: The train system can help you beat the heavy traffic to major centres, such as Nerang, Helensvale, and Robina. The train is a popular choice for those commuting to and from Brisbane. The Gold Coast's new light-rail system is now operational and offers more reasons to take the train.

If you have a prepaid Go Card, you can use all bus, train, tram, and ferry services in South East Queensland. This is especially handy if you work outside the Gold Coast. You can also use your Go Card to get discounts on some Gold Coast attractions and activities. So, whether you're exploring the central Gold Coast or commuting to work, a Go Card is a great way to get around.

2. The region has favourable weather all year round.

Gold Coast is a popular destination for expats for many reasons, but the weather is definitely one of the main attractions. The area enjoys annual average high temperatures of 25°C, with regular rainfall and relatively mild winters. Gold Coast is also perfect for those who love the outdoors, as there are plenty of opportunities to enjoy the warm weather all year round.

Here's what to expect from each season:

Winter on the Gold Coast is a time of sunny, dry days and cool nights. Daytime temperatures hover around 12.5-21.5 degrees Celsius, making it a great time to enjoy the outdoors.

The Gold Coast experiences beautiful weather in spring, with average temperatures ranging from 17-25.5°C. The days are sunny and dry, making it the perfect time to enjoy all that the Gold Coast has to offer. However, the wind tends to pick up during this time of year, particularly around September. This can make it difficult to enjoy outdoor activities, so planning accordingly is important.

Summer on the Gold Coast is a time to enjoy the warm weather and beautiful beaches. However, it's important to remember that the Gold Coast can be quite humid, with temperatures averaging 21-28.5°C. Despite the occasional showers, summer on the Gold Coast is a wonderful time to relax and enjoy the sunny weather. So don't forget your sunscreen and swimwear, and enjoy your time on the Gold Coast!

Gold Coast locals know that autumn is the best time of year. The weather is perfect - not too hot and not too cold - and the beaches are still warm enough for a dip. Plus, the rain has usually eased up by this time of year, so you can enjoy all the Gold Coast offers without worrying about getting wet.

3. The city has a lot to offer.

With its stunning beaches like the Mermaid Beach, lush rainforests and vibrant city life, many people choose to call the Gold Coast home. There are lots of things to keep you busy on the Gold Coast. You can explore the many national parks and South Stradbroke Island. Enjoy the nightlife in Surfers Paradise, Main Beach, and Palm Beach. And check out the famous theme parks, movie world, Sea World, and busy shopping district.

And with so many great Gold Coast primary schools and universities, it's an ideal place to raise a family. Whether you're searching for a serene place to retire or just somewhere to enjoy a getaway, the Gold Coast has something for everyone.

Here’s a list of the best suburbs to live in:

  • Broadbeach Waters
  • Burleigh Heads
  • Biggera Waters
  • Coolangatta
  • Southport
  • Robina
  • Labrador

Take some time to think about what's important to you, and then check out any of these Gold Coast suburbs.


If you’re moving to the Gold Coast, you should know a few things first.

The region is easy to get around – it’s well-serviced by public transport, and there are plenty of highways that make getting around quick and easy. And because the weather is so favourable all year round, you can enjoy the outdoors any time of year!

The Gold Coast is indeed a beautiful place to live, with miles of stunning coastline and lush rainforest hinterland.

Whether you’re relocating to the Gold Coast from interstate or overseas, these must-knows can help get you started on making the transition to life in paradise.

Uncategorized Editor Mon, 02 May 2022 23:35:16 -0400
How Are Closing Costs Calculated? Closing costs are fees that you pay when finalizing the purchase of a home, as well as those fees you pay if you refinance. If you're buying a home, closing is the day that the sale of your house becomes final and all of the conditions in your purchase agreement have been fulfilled.

The different fees that make up closing costs

The first step is to understand all of the fees associated with your transaction. While lenders post their rates online and in promotional materials, all of the applicable fees for your unique transaction must be disclosed. These fees typically include the origination fee (a percentage of the total loan amount) and discount points (paying points is like getting a reduced interest rate; one point equals 1 percent of the loan).

Some closing fees may be eligible to be rolled into your loan so that you don’t have to pay them upfront. There are some other fees, however, that must be paid for at closing and cannot be rolled into the mortgage. This also applies if you're refinancing a mortgage.

Estimating your closing costs

All in all, closing costs are approximately 2 to 5 percent of the home purchase. If you’re buying a home that costs $200,000, you can typically expect to spend anywhere from $4,000 to $10,000 in closing costs. Each buyer's closing costs are different, but this is an example of what you can expect to pay.

Your agent and lender should always give you an estimate of closing costs so you know what to expect. They will give you the best estimate possible, but keep in mind that it is just a ballpark figure that doesn't account for additional fees that come due at closing or ones you can roll into your loan amount.

Closing costs can also vary from state to state; legal fees, title search and insurance premiums make up the bulk of these costs. Other commonly paid items include property taxes and water bills, homeowners' association dues, and transfer taxes levied by states or counties where the home is  located. In addition, closing costs  can include prepaid costs, which will be paid out at closing. These typically include homeowners insurance and your lender may require you to pay interest for the month in which you close on your loan.

Do sellers ever pay closing costs?

Rules for closing costs will vary by state, and in some states, sellers are required to pay a portion of closing costs. Overall, it’s common for buyers to cover these expenses entirely, but it really depends on the situation. When you're making an offer on a home , consider asking the seller to pay for all of your closing costs as a way to reduce how much cash you have to come up  with for the down payment. But know that not all lenders allow this practice.

If a seller is extremely motivated, they may offer to cover some (or all) of the buyer's closing costs as a way to entice buyers to purchase their property. This practice can save you thousands, but there are rules around who gets the money and what it covers. Always ask your real estate agent for advice if you’re presented with this offer.

Final thoughts

It can be difficult to avoid closing costs when purchasing or refinancing a home, but there are some workarounds if you’re looking to save money. You may be able to finance some of these costs, or negotiate something with the seller if you’re purchasing a home. It’s always important to consider closing costs when planning for a new home purchase or refinance so that you have a realistic picture of what you can comfortably afford.

Uncategorized Editor Fri, 14 Jan 2022 22:19:04 -0500
How to Create a Family Budget

For singles, creating a budget is relatively easy. They tend to have a good handle on how much money they have coming in, and when tracking expenses, they only have their own to think about. But creating a family budget is a whole new ball game.

Most families have multiple sources of income. And when there are multiple spenders, that makes things much more confusing. This is one of the main reasons that families lack a formal budget. But having a budget and sticking to it can greatly improve a family's financial outlook.

Making a family budget may be tricky, but it can be done. Here's how.

1. Take inventory of all income. If a certain source of income fluctuates from month to month, use the lowest amount or average it out.

2. Keep track of all expenses for a month or so. Keep all of your receipts, and ask all family members to turn theirs in to you each day.

3. Add up your monthly expenses. Be sure to include bills, debt payments, groceries, and everyday expenses such as lunch money and transportation costs.

4. Get the family together and discuss ways you can trim the budget. Getting input from other family members will help you determine which expenses are necessary and which ones could be cut down or eliminated. Maybe you or your spouse could start taking lunch to work instead of eating out, or maybe the kids can drop an extracurricular activity.

5. In addition to individual expenses, discuss how you can cut down on the electric bill, groceries and other necessary family expenses. Consider such things as carpooling or taking public transportation, buying more generic foods and adjusting the thermostat.

6. Estimate how much you can save on regular expenses, and cut the completely unnecessary items out of the budget. Then refigure it and see where you stand.

7. If you end up with a surplus, allocate a portion of it to savings. If you're in the red, go back and rework the budget until you have more income than expenses.

Being Realistic

One reason that family budgets often fail is because they're just not realistic. It's great to cut down on expenses, but sometimes we tend to go too far. For example, cutting entertainment out of the budget completely might look good on paper, but we all need a little diversion every now and then.

Instead of cutting such things out of the budget completely, consider finding ways to lower the cost. Going back to the entertainment example, maybe you've been going to dinner and a movie as a family twice a month. But eating in and renting a new release would be much cheaper, and you would still get to spend quality time together.

Individual expenses can also be tricky. This can be resolved by allocating a certain amount for each family member to spend each week. If someone spends his entire amount before the week is up, reevaluate his expenses and adjust if necessary.

Creating a family budget can help keep spending under control, leaving more money to pay down debts and save for future goals. But in order to succeed, close monitoring is essential. Your efforts will be rewarded, however, with less financial stress and more money in the long run.

Uncategorized Editor Sat, 21 Aug 2021 10:17:42 -0400
Have You Tried These 4 Ways of Making Money on Instagram Yet? There are several ways to make money on Instagram like buying ads, shout outs, and a host of others in between with varying degrees of difficulty as you go from one to the next.

Instagram is no doubt a major marketing channel where social and commerce meet. What started as a photo/video sharing platform is now in the big picture boasting over 800million monthly active users and counting, according to recent reports.

Indeed if a picture is worth a thousand words then Instagram is worth more to advertisers, entrepreneurs, businesses, artists, etc who love Instagram for Business, who depend on it to grow their enterprise.

There are others however, who think Instagram is some kind of instant money transfer app, who have zero clues on how to hack Instagram. The good news; profiting from Instagram is not rocket science, however like anything worthwhile it involves a certain learning curve.

In this article I’ll take you round the curve and show you 4 proven ways to hack Instagram and make money off of it.

Perhaps you're wondering,

What is Instagram Really About?

In October 2010,  Kevin Systrom and Mike Krieger launched Instagram; a photo/video sharing platform.The app allows users  upload, edit, filter, organize, tag and most importantly, share pictures and videos.

Posts can be shared publicly or with pre-approved followers. Users can browse other users content by tags and locations and view trending content. Users can like posts and follow other users or add their content to feed.

And of course, users can make money from Instagram :)

The following stats show why Instagram is a potential money making machine:

  • Instagram has 800 million monthly active users and counting with 500 million daily active users
  • 26% of IG users make over $75,000 a year.
  • Worldwide, over 25 million business profiles are on IG up from 15 million last year.
  • IG has over 2 million monthly active advertisers up from 1 million in March last year.
  • More than 80% of accounts on Instagram follow a business, with over 200 million Instagrammers actively following a business profile each day.
  • The Motley Fool reports that Instagram earned $4 billion in revenue in 2017, making up approximately 20 percent of Facebook’s annual revenue.
  • In 2018, 70.7% of U.S. companies will use Instagram marketing
  • 50% of Instagram users follow at least one business.
  • 60% of users say they’ve learned about a product or service on the platform

Source: WordStream

One cool way to make money on Instagram is by marketing hot selling products like the pros.

Following are 4 more proven ways to hack Instagram now:

1) Sell Blurb Photographs

As a leading photo/video sharing platform, Instagram allows users earn money from uploading, editing and sharing photos/videos including artworks, illustrations, etc for which they're the copyright holders.

You don't need to be a professional photographer to make money from Instagram. A typical smartphone has at least two cameras that allow owners take photographs of different qualities.

With image editors and filters you can enhance picture quality thus increasing visibility, reach and acceptance. Watermarks and subtitles help to secure and sequent your posts accordingly. 

The right hashtags will get you noticed like a notice board and help drive traffic, conversation and engagement around your posts. Instaprints is a great app that allows you purchase and offer Instagram pictures as blurbs for sale.

2) Sponsored Posts

Advertisements on Instagram are labeled “sponsored” where timestamp would typically be.  Sponsored posts a.k.a influencer marketing is marketing done for you by influencers like celebrities, famous or powerful individuals with a large Instagram following.

Influencers build an online following by doing and sharing great content, ideas etc. They are seen as idols, icons, leaders, trailblazers, professionals, and trusted specialists.

IG accounts with large following can help brands spread the word about their business, it's basically a celebrity endorsing a brand, saying “hey followers, I trust this brand”.

Beyond account size and reach, influencers work hard to earn and retain followers trust. Here, a good reputation is worth a million dollars.

Hence, many influencers are selective about who they work with, they do background checks, test products or services before they ever recommend same. Are you an influencer (and didn't know it), here's your chance to cash in.

You can also

3) Promote your Business

Instagram isn't just about your favorite pictures, you get the picture? Instagram for business is the brand's way of saying “hey, you know what? We (also) mean business!”

Of course you have to post pictures but bringing a business perspective on board helps to align your goals and objectives.

Again this can include using the right hashtags, generating conversation around trending topics, corporate social responsibility; anything that projects your business in good light.

It is a good practice to post unique pictures/videos different from the ones on your website.

You can also promote your business by supporting popular causes that relate to your business, that way you'll be in front of a relevant audience.

You can also

4) Sell your Instagram Account

People delete or deactivate Instagram or other social media accounts for different reasons including cyber bullying, hacking, privacy concerns, etc.

If you own an Instagram account with a huge following and thinking of leaving IG, instead of deactivating you can discuss and deal.

Businesses are willing to buy your IG account provided it has good following, it's as good as buying a permanent ad space on Instagram.

If you're interested in listing your account for sale, services like Popularity Swap and Viral Record can help. What you make depends on what you have made of your account, the bigger the better.


Instagram offers tons of opportunities for individuals, businesses, organizations to promote their causes and campaigns. Bundled with these are amazing opportunities to make money. Business, individuals or groups who get a good grasp of this can make money from Instagram in more ways than one.

Lastly, always hedge. Instagram algorithms may change at any time, such changes may be unfavorable and cut you out of business if you depend solely on IG for marketing.

 Author Bio:

Amos Onwukwe is an AWAI trained Business/Ecommerce B2B/B2C Copywriter, featured in scores of blogs including Huffington Post, Dumb Little Man, Ecommerce Nation, eCommerce Insights, Understanding Ecommerce, Result First, Floship, SmallBusinessBonfire, SmallBizClub, Successful Startup 101, Business Partner Magazine, RabidOfficeMonkey, etc.

He’s available for hire.

Twitter: @amos_onwukwe

Uncategorized Editor Fri, 20 Aug 2021 22:03:14 -0400
Seniors - How to Live Comfortably on Less

For senior people, there're many more things to consider, such as finding a good elder care service etc. Whether you are newly retired or have been for some time, adjusting to a fixed income can be difficult. After years of spending and earning, it is time to settle in and create a budget - designed to not only stretch your savings but also to give you the quality of life you deserve. The usual saving strategies still apply, such as turning out lights and lowering the thermostat, but there are many other ways to make your retirement years enjoyable and stress free.

Being a senior does have its advantages. Many retail outlets offer seniors discounts, which can be as high as fifteen percent. Restaurants, movie theatres, museums and even Broadway shows also offer discounts to seniors. Since you are retired you have the advantage of being able to shop at any time. This will give you time to make your list before shopping and allows you to visit all stores in a single day to achieve maximum savings.

Try the generic brands as they usually provide the same results at a fraction of the cost. Buying items such as toilet paper and paper towels in bulk when they are on sale is just one way to keep more of your money. In addition to the sales, use coupons to boost your savings. Many grocery stores offer double coupons up to 99 cents, so be sure to ask your customer service representative if your store offers this great deal.

For your nightlife, why not check out the senior centers in your area. The centers are made up of people in your age group and have wonderful events planned weekly, such as dancing, bingo, casino nights and movies. The list is endless and the best part is that there is just a small fee for an enjoyable evening out. Best of all, you develop friendships with other seniors who have the same interests.

Living on less does not mean you have to sacrifice quality. Rather, open your minds to doing activities that cost less. If you are not an active driver, sell your car and rely on friends and family or public transportation. Maintaining a car is a hefty expense and so is car insurance. If you can live without the car, you will have more money in your wallet.

Adjusting to living on less can be difficult in the beginning, but after a while it becomes a way of life. There are many advantages to being a senior, so embrace them and relish in the savings.

Uncategorized Editor Wed, 11 Aug 2021 05:17:46 -0400
Moving In Together? How to Deal with Household Costs

Moving in together with your partner is a big step in a relationship. It is also a big step in regards to finances. Moving in together can ease the burden on both of your wallets as household costs will more than likely be shared by both of you. Advance planning is necessary for a smooth transition.

Running a household can be expensive and there are many different factors to take into consideration. The first thing you need to figure out is whose name the utility bills are going to be under. Utility bills include water, heat, electric, and phone and cable service. If only one partner is on the lease, then his or her name will have to be on the utility bills. If both partners are on the lease, the utility bills can be in either name.

Splitting the cost of the bills is the usual way for unmarried partners. Each month, when the bills become due, both of you will split the total cost in half and one will be responsible for paying the bills. This requires attention to detail. Keep the bills where they are easily accessible so both partners can view the bill for themselves and keep track of expenses for the month.

Some partners choose to set up a joint checking account for the purpose of paying bills. Even with a joint checking account, it is always good to have only one person in the house handle the finances to prevent too many hands dipping into the proverbial pot. A joint checking account will allow both partners to keep an eye on the finances and track which expenses clear. One major bonus is that both partners have access to the account and can verify expenses and debits.

A joint checking account, however, is not for everyone. If you are not comfortable with this idea, then discuss alternate payment plans with your partner. You can always ask for your partner's share of the bill when you sit down to pay them.

The only downfall to this is that your partner may not have the money readily available. If you do not have the money available to cover your partner's share, you run the risk of paying the bill late and incurring penalties. Another potential problem is having a partner who does not pay their portion of the bill. In this case, it is important to have a discussion and work out a plan.

Moving in together is a big step and requires planning, especially in the area of finances. It is not necessary to combine incomes, but an adequate payment plan has to be set up to cover the rent and utilities. Both partners need to work together to successfully run the household finances.

Uncategorized Editor Sun, 25 Jul 2021 23:22:46 -0400
The Real Cost of Smoking

Despite warning labels and the excessive cost, people still continue to smoke cigarettes. There are many reasons to kick the habit. Cigarettes now cost anywhere from eight, ten, or even twelve dollars per pack and if you smoke a pack a day, you will have spent upwards of three thousand dollars in one year. If there is more than one smoker in the home, the cost is off the charts. Even though the price keeps going up and up and up, people still continue to smoke.

But smoking is much more than the expense to your wallet; it is the time it takes away from your life. It has been proven that cigarettes decrease your life expectancy. Smokers have a lot more bronchial problems than people who do not smoke. The lists of complications and illnesses that can happen directly due to smoking are plentiful. Illnesses such as bronchitis, pneumonia and emphysema are rampant in smokers. Some smokers even end up suffering from lung cancer and oftentimes the cancer is detected too late to cure.

Nicotine is said to be more addictive than heroine and though many people try to quit, most fail. Smoking is a habit that can be resumed with ease even ten years after you have quit, making it one of the most dangerous habits. Yet every day even more people start smoking.

Not only does smoking affect your wallet and your health, but your family is also at risk. Second-hand smoke is very harmful and has been proven to do almost the same amount of damage, if not more, to the non-smoker in the home. Over the years, many children have come down with asthma and bronchial problems directly related to being in the home of a smoker.

If you need evidence of how damaging smoking is, just wipe your walls down; they are golden yellow from the substance left in the air. Humans are not the only ones who suffer; your pets are also at risk.

Really, there is nothing good about smoking. If you have tried all measures such as vaping or e-cigarettes to quit and nothing is working, you may want to try a support group. After all, it is your money, your family and your life on the line.

Uncategorized Editor Thu, 15 Apr 2021 23:18:31 -0400
How To Become A Successful Crypto Trader

If you are going to put money in cryptocurrency for the first time, we suggest that you get at least a basic understanding of the industry. In this article, we are going to give you 5 tips and tricks that will help you become a better investor. Keeping these tips in mind, it will be easier for you to achieve success as a beginner.

1. Look for Reputable Sources of News

You will find different opinions about the world of cryptocurrency. According to some people, crypto is nothing but a fad, while others think that it is a great investment, especially if you are looking to invest your money for the long term.

If you are sure that you can benefit from Crypto, you should stay tuned to trustworthy news on cryptocurrency and don't listen to non-believers. For achieving success as an investor, you should consider some facts and then keep investing your money wisely.

2. Get Ready for Volatility

Unlike regular currencies, cryptocurrency is not that stable. A few months back, the value of one of the most popular cryptocurrencies called Bitcoin was around $40000. But it has now dropped back to $30000. So, what you need to do is make your decision wisely. If you become greedy, you may suffer huge losses.

Even if you ask expert crypto traders, they will say that even they don't have the mastery of the art. So, you need to be careful when it comes to you investing in crypto as cryptocurrencies are quite volatile.

3. Consider other Altcoins

As far as cryptocurrency is concerned, you are not just restricted to Bitcoins. Therefore, it is not a good idea to put all your eggs in one basket. In other words, you should invest your money in other types of cryptocurrency as well.

So, what you need to do is do your homework and find out which ones are doing well. In other words, you should choose the top 5 cryptocurrencies and invest your money in them.

4. Learn about Hot and Cold Wallets

Although crypto is a digital currency, you can still store them on the internet in your hot wallets. But if you are just starting out, you may want to give a go to offline wallets as they are quite useful and versatile.

On the other hand, it is true that cold wallets offer protection against hackers. So, if you want to diversify your assets, we suggest that you get familiar with both hot wallets and cold wallets.

5. Be Vigilant

Although cryptocurrencies have high safety standards then conventional currency, we suggest that you follow precautions. So, what you need to do is be careful when it comes to investing a large amount of money in the digital currency of this type.

You should find about different methods to handle your transactions and see how you can effectively manage your cryptocurrency in a responsible manner.


In short, you may want to follow these 5 tips and tricks if you want to be successful as a cryptocurrency trader or investor.

If you are a beginner in the world of crypto, you should check out BTC365 on a regular basis. This platform offers reliable cryptocurrency news.

Uncategorized Editor Sat, 22 Aug 2020 06:04:10 -0400
How To Predict Mortgage Rates

How you can learn to predict mortgage rates, too.

Many people, particularly, first-home buyers, tend to shop around for the cheapest mortgage rate that they see not knowing, or understanding, that these rates dip and fall. If you get an understanding of how mortgage rates work, you will be in a far better position to land one that really works for you and may even be cheaper than the one you're ready to commit to, say, today.

Here's how mortgage rates work.

According to real estate experts, the firs thing you should know about these rates is that they are unpredictable. They change. A high rate today may be low tomorrow. At one time, these rates were more stable. They were set by the bank. But since the 1950s, Wall Street took over and adjusted them according to supply and demand. Or more accurately, Wall Street linked them to bonds. So that when bonds - that are bought and sold on Wall Street - drop, mortgage rates do, too.

How can I know today's bonds rates?

It sounds simple: let's keep up with the prices of bonds and we'll know when to shop for our mortgage. Unfortunately, only Wall Street has access to this knowledge (called "mortgage-backed securities" (MBS) data). And they pay tens of thousands of dollars for access to it in real-time.

Here's how you can make an educated guess:

Calculate according to, what's called, the Thirty-year mortgage rates.

These are the events that lower rates in any given 30 years:

  • Falling inflation rates, because low inflation increases demand for mortgage bonds
  • Weaker-than-expected economic data, because a weak economy increases demand for mortgage bonds
  • War, disaster and calamity, because "uncertainty" increases demand for mortgage bonds

Conversely, rising inflation rates; stronger-than-expected economic data; and the "calming down" of a geopolitical situation tend to elevate rates.

The most common mortgages and mortgage rates

You'll also find that mortgages vary according to the level of your credit rating. The higher your credit score, the more likely you are to win a lower mortgage rate.

Mortgage rates also vary by loan type.

According to real estate experts, there are four main loan types each of which has a different level of interest. In each case, this level of interest hinges on mortgage-secured bonds. The four loan types together make up 90 percent of mortgage loans doled out to US consumers.

Which mortgage loan do you want?

Here is the list:

1. Conventional Mortgages

These loans are backed by Fannie Mae or Freddie Mac who have set regulations and requirements for their procedures. The Fannie Mae mortgage-backed bond is linked to mortgage interest rates via Fannie Mae. The Freddie Mac mortgage-backed bond is linked to mortgage-backed bonds via Freddie Mac.

According to experts in the real estate industry, mortgage programs that use conventional mortgage interest rates include the "standard" 30-year fixed-rate mortgage rate for borrowers who make a 20% downpayment or more; the HARP loan for underwater borrowers; the Fannie Mae HomePath mortgage for buyers of foreclosed properties; and, the equity-replacing Delayed Financing loan for buyers who pay cash for a home.

2. FHA mortgage

These are mortgage rates given by the Federal Housing Administration (FHA). The upside of these loans is that you have the possibility of a very low downpayment - just 3.5%. They are, therefore, popular and used in all 50 states. The downside is that the premium is split in two parts.

FHA mortgage interest rates are based on mortgage bonds issued by the Government National Mortgage Association (GNMA). Investors, by the way, tend to call GNMA, "Ginnie Mae". As Ginnie Mae bond prices rise, the interest rates for FHA mortgage plans drop. These plans include the standard FHA loan, as well as FHA specialty products which include the 203k construction bond; the $100-down Good Neighbor Next Door program; and the FHA Back to Work loan for homeowners who recently lost their home in a short sale or foreclosure.

3. VA mortgage interest rates

VA mortgage interest rates are also controlled by GMA bonds which is why FHA and VA mortgage bonds often move in tandem with both controlled by fluctuations from the same source. It is also why both move differently than conventional rates. So, some days will see high rates for conventional plans and low rates for VA/ FHA; as well as the reverse.

VA mortgage interest rates are used for loans guaranteed by the Department of Veterans Affairs such as the standard VA loan for military borrowers; the VA Energy Efficiency Loan; and the VA Streamline Refinance. VA mortgages also offer 100% financing to U.S. veterans and active service members, with no requirement for mortgage insurance.

Uncategorized Editor Sat, 22 Aug 2020 05:53:17 -0400
How to Cut Your Company's Legal Cost

In today's complex legal environment the corporate entities and professionals need to be very careful in all the commercial dealings, communications, agreements and contracts. This is because any communication can be viewed as a contract or not a binding contract by judicial forums in a later stage when litigation reaches courts. These types of communications include appointment letters, suspension letters, removal letters, email communications, statutory notices, reply to notices, warning letters, letters notifying delays, letters expressing disagreements etc.

What is Legal retainer-ship?

The stakes in every dealing today is also very high. Moreover certain actions have to be taken within a particular time frame otherwise negative inferences can be drawn by the courts in later stages. In such a situation, companies choose to engage a law firm with multi-discipline experience and international exposure to advise them in their day to day legal issues. Such an arrangement helps the companies to get expert legal advice under one roof in a pre-determined cost for the services what they are going to avail from that firm. Law-Senate law firm is serving many companies on "Annual retainer-ship basis" which helps the companies to get quality legal consultation without worrying about the bills, since the fee is fixed in advance for a year, on the basis of the budgeted work load for all non-litigation work. Later even if the work load increases the determined fee will not be changed within that one year period.

How Law Firm Legal Retainer Ship will facilitate You

There are few facts you must know about Law Senate Legal Retainer Ship, which will clear you why legal retainer ship should be availed:

  • Un-limited non-litigation legal Service in fixed cost: The Firm agrees on a fixed annual fee for un-limited chamber legal work including consultation, settling of contracts, settling of legal documents, settling of legal communication, labor related documentation, employment related documentation, issuing legal notices, responding to legal notices, arbitration notices, demand notices etc., The Firm has lawyers from various branches of law in its panel and in-house to respond to the consultation requests from the clients on issues arising out of various branches of law. The Firm also allots a dedicated lawyer for ensuring customer friendly communication and effective service. The clients can use email, courier or personal consultation to get their issues resolved. For example in case of settling of legal documentation, the client can email the proposed draft of the document to the firm's dedicated lawyer. The dedicated lawyer will get the response and comments of the relevant lawyer and inform the client within the pre-fixed time. Hence the specialty of the whole process is the customer friendly, high quality, swift and cost effective administration of the required legal services. The said fixed annual fee is excluding Litigation, arbitration, drafting of contracts and appearance before authorities and tribunals. The above said fixed fee is not uniform for all, it is finalized after estimation of work and the size of the Company.
  • Litigation & Representation Services in pre-determined fee schedule: The Firm will handle almost all types of litigation, arbitration and appearance before authorities in a predetermined fee schedule on case to case basis. The lawyers of the Firm regularly appear in Supreme Court of India, High courts, Competition Commission of India, Consumer Courts, National Consumer Commission, EPF Appellate Tribunal, Company Law Board, Electricity Tribunal, Mines tribunal, Petroleum tribunal, Civil Courts, Criminal Courts, Central Excise & Tax authorities, Revenue authorities etc., The Firm charges special reduced rates for the clients who engages the firm on annual retainer-ship basis. Hence this arrangement with our firm will help the clients to cut their legal costs.
  • E-reporting and online storage: It is very difficult for the Companies to get them updated about the pending cases from the old style lawyers. But Law-senate law Firm sends periodical (Weekly/ monthly) reports about the pending cases and matters to each of its client. The Firm also has the facility of e-storage of documents, even in a later stage after many years, the firm can supply copies of the documents from its e-storage points. Since law-senate is a modern law firm with all modern facilities and technology it serves its clients with Zero error quality.

Conventional Legal advice Models:

Earlier Companies used to appoint independent lawyers and pay them separately for consultations, settling legal documents, legal documentation and appearance in various Courts and tribunals. This model gives surprises and financial strain to the Companies since the expenses under legal heads are neither predetermined nor pre-budgeted. Hence the Companies in their endeavor to cut legal costs ended up in low quality and un-professional legal services which resulted in losing of cases etc.,

Appointing in-house counsel or law officers:

To handle above said legal matters some companies choose to appoint their own in-house counsel or law officers. The appointment of in-house counsel or law officers may improve the situation but will not lead to the full solution for the following reasons:

  • Appointing experienced law officers is very expensive in the current salary market. Hence small, medium companies and professionals can afford only a newly graduated or less experienced in-house counsel. Such a less experienced person may be doing only the co-ordination work between independent lawyers and the company.
  • Even if experienced people are appointed they will have their expertise in a few fields of law only. Hence they need to consult independent lawyers on the other issues. Independent consultation is again an expensive matter and finding the correct lawyer is a challenging job.

Appointing Independent lawyers as consultants:

Law is a complex field which is growing every day. There are so-many divisions of law and hence no lawyer can claim that he/she is aware of all the divisions of law. More over independent lawyers will not be able to ensure the high quality of service due to limitations in infrastructure, facilities, staff etc.

Advantages of legal retainer-ship:

Even though there are many advantages for the small, medium industries, Professional organisations, hospitals, educational Institutions, NGOs, charitable Institutions etc., in following the legal retainer-ship model than the conventional legal adviser model, the following are the important ones,

  • Legal advice on multiple legal subjects from experts under one roof
  • Unlimited non-litigation services
  • Litigation services on a special fee schedule
  • Annual customized fixed fee for unlimited consultation and documentation services
  • Dedicated lawyer for each client
  • E-document facility
  • Periodical reporting about the pending matters

Who will be benefited from Legal retainer-ship Model?

Large companies may appoint their own team of experienced in-house counsel supported by law officers and para legal staff in view of their higher volume of legal work. They also engage big size law firms and pay for each service separately because they may not bother about the legal expenditure. But the following types of Companies and Institutions will be greatly benefited by legal retainer-ship model,

  • Medium and small size companies
  • Distributing Companies & Agencies
  • Hospitals
  • Private educational institutions
  • Schools & Colleges
  • FDI partners
  • BPOs and Call centres
  • NGOs and charity organisations
  • Professionals & Consultants etc.,

In short legal retainer ship is helpful for those organizations who are not interested in spending money for legal departments or permanent legal counsel of every practice area of Law. If you have any query about legal retainer ship then you can ask anytime.

Law senate law firm is recently engaged by various Companies across India and abroad on the basis of Annual retainer-ship. Being a Delhi based Indian law Firm we are having expert Supreme Court advocates and corporate lawyers of every practice area of law. For any query

Uncategorized Editor Sat, 22 Aug 2020 05:45:09 -0400
Tips for Saving Money on Health Insurance

In today's fast changing world, purchasing health insurance has become the top priority in ones' financial planning. More and more people are concerned about health insurance as the medical cost is increasing and it has become unaffordable for many people. As a result, in order to reduce the financial burden on obtaining insurance, many people start looking for ways to save money on this medical insurance.

The cost of health insurance has skyrocketed in recent years, leaving many consumers desperate to cut costs wherever they can, without losing their coverage. Fortunately, consumers do have options and there are a variety of ways to achieve significant savings on their insurance. Here are five tips for cutting costs:

1. Increase out-of-pocket expenses

Consumers can achieve significant savings by simply choosing a policy that allows them to pay more out-of-pocket expenses This generally means paying a yearly deductible as well as co-payments for services and prescription medications. Some consumers may be wary of this option, but if they are in good health then it makes financial sense to go this route because the savings will be substantial.

2. Shop around for private insurance

Due to the rising costs of healthcare, many employers are now shifting more and more of the burden to their employees. This means that even though an employer offers health insurance, it may be possible to find a better deal by shopping around for private health insurance.

3. Review employer health insurance options at least once a year

Many households now have two incomes, and that means two employers. Always be sure to review each employer's health insurance options at least once a year because employer contributions can vary dramatically, which means significant savings can be found simply by switching to the other spouse's family coverage.

4. Watch out for COBRA

Thanks to a federal law passed in 1986 known as COBRA, laid off workers can receive an extension of their health insurance coverage for at least 18 months after they have been let go, but this may not be the best option for everyone. Keep in mind that this law only applies to companies with 20 or more employees and the laid off worker must pay the premium that the employer was paying plus a 2% administrative fee. This means that COBRA can get really expensive, really quick. In fact, individual coverage could easily be $400 or more a month, and family plans may exceed $1000. Fortunately, workers who are laid off have 60 days to make a decision, which is plenty of time to shop around and find out what their best option is.

5. Get healthy and stay that way

Health insurance costs can be lowered dramatically by simply living a healthy lifestyle. For smokers, that means kicking their habit because those that do not will pay much higher premiums due to all of the serious, even life threatening consequences of smoking. The same goes for consumers who are only moderately overweight or obese. In fact, as if saving money on health insurance was not enough of an incentive, keep in mind that obesity is one of the leading causes of death. That is why it is so important to exercise regularly and maintain a healthy weight, because doing so will eliminate many of the obesity related health problems that can cause insurance premiums to skyrocket.



To sum up, saving money on health insurance doesn't mean sacrificing the quality of your healthcare. It is an effort of cutting cost to save more money for other purpose.

Uncategorized Editor Sat, 22 Aug 2020 05:14:34 -0400
Saving Money on Flight Tickets and Hotels with a VPN How to use VPN for cheaper flights or cheaper hotels? We will show you tips for using VPN to get cheaper airfare and cheaper hotels deals.

How to use VPN for cheaper flights or cheaper hotels?

Travelling and going from one place to another can surely be expensive. Holidays certainly can cost you a lot of money. However according to research it has been proved that the device which is used to book an airplane ticket or a hotel accommodation can add up to the overall expenses and the price of the vacations. With the help of using a VPN, it is surely possible to reduce the overall expenses and get a cheap and affordable plane ticket as well as hotel accommodation.

It all depends on where you want to travel. Depending on your destination where you want to reach and the distance travelled, flights can surely cost one a huge price and chunks of money. As a result you will end up spending a large amount of the holiday expenses only on the flight ticket. The best solution is to look out for cheap flights. Finding the most reasonable price of the flight however requires an effort. It is also worthy to check the airline websites themselves for upcoming deals and offers.

Flights and Hotels Might Show Different Prices Depending on Visitor's Locations

Basically travel sites and flight sides are using various cookies to track, monitor and record the number of times your original IP address has checked the price, schedule of the flight. As, a result the flight that was schedule for $500 will automatically increase to $600, once the number of checks with the same IP increase. Many flights are also sold and bought at a cheaper price depending on the location. At certain countries the same price will have higher prices while it will also show lower prices of the same flight if the location is changed. Hence simply by using a VPN, one can save a lot of money.

What Is VPN?

VPN is widely use to increase online security for to bypass Internet blockings. For example, with some best VPNs for China (好用的VPN) you can visit blocked websites such as Google and Twitter in China. However, with a VPN, you can also change your IP address and appear to be from another location.

A VPN is normally recommended but for getting the best results one can purchase a VPN with many server locations. Some best VPN services offer the largest server locations available, hence it is very easy for customers to choose.

How to Use VPN to Change Your Location

With the help of a VPN, you can change your current location. The location is changed by assigning the IP address of the country which you prefer the most. For example if a customer is living in the United States and you book a flight from Washington DC. After a while if you connect to a VPN server located in Romania, you will end up buying the same flight at a cheaper rate. Hence, you are able to fool the travel website and save money through VPN.

Similarly, it is possible to get the most affordable hotel accommodation with the help of VPN. If a customer is booking a hotel from Pakistan at a certain price. Then after some time, by using the VPN and changing your current location you can book the hotel at more affordable deal. Hence saving a lot of money.

How to Choose a VPN for Get Cheaper Flights or Hotels

When choosing a VPN for cheaper flights or cheaper hotels, you should make sure that this VPN offers many server locations for you to select. For example, a good VPN service might offer VPN locations such as Hong Kong, Japan, United States, UK and many many other locations. You can freely choose any of those VPN locations and change your location at any time.

There're many good VPN services to choose from, such as ExpressVPN, VyprVPN, PureVPN and more. You can test their services by using their free trials. Many of these services offer a money-back guarantee.

How to Use VPN to Get Cheaper Flights or Hotels

As mentioned above, with a VPN, you can hide your real location and pretend you are visiting a website (flights websites or hotel websites) from another country. However, while using VPN, it is always good to delete the cookies from your computer, before you connect to a VPN and start the search. It is important to clear the cookies each time you change your server location in order to prevent the website from recognizing your identity.


Online shopping website may show different prices to users from different countries. A VPN can help you get cheaper flights or cheaper hotels deals by hiding your real location and appear to be visiting from another country.

Uncategorized Editor Sat, 01 Aug 2020 23:29:28 -0400
How to Deal With Rejection in an Interview It's hard to not take an interview rejection personally. But separating yourself from this negativity is the key to moving on. So it is recommended to not dwell on the rejection. That being said, we all understand how it is easier said than done. As humans, we tend to focus more on the negative aspects of things. So feeling disheartened after that dreaded phone call or email is quite normal. 

However, when you start feeling disheartened for a prolonged period that is when the trouble occurs. The sadness you feel after the rejection will only cause hindrance in the search process for the next opportunity. The best way to deal with rejection in an interview is to learn from your mistakes and approach the new interview with a fresh perspective. 

Keep in mind that dealing with rejection is as important as any other skill on your resume. So if you ever end up receiving a rejection email in your inbox, here are a few tips to guide you on how to deal with rejection in an interview:

Don't Take It Personally

Giving your best and still receiving rejection can be frustrating. But try not to take it personally. Chances are it is not all about you. If you put your best foot out and still did not get selected then it is highly likely that the decision to not hire you was not based on your performance alone. There could be plenty of explanations like, maybe the company had an excellent internal candidate who was already aware of their business. Such things are beyond your control so don't blame yourself for it.

Exercise Self-Awareness

If you have been facing multiple rejections at job interviews, take a step back and analyze what could be wrong. Examine your resume to see if there is anything missing, or maybe it is not well written. Try changing things up a bit. Follow your thought process and find out if there are any skills you need to work on or learn. There are plenty of online courses that can help you in building a strong skill set. 

Gathering Feedback

This might be a difficult step, but if you get rejected in a job interview you can ask for feedback from the hiring manager. This way you can get help with areas that you know for sure that you have to improve. However, asking for feedback is tricky. The best way to ask for feedback is with the help of a follow-up email. You can mention that you welcome feedback, be it positive or negative, as a way to improve. This might encourage them to actually write back with your feedback. If you do end up getting one, try to read your feedback with an open mind. Look at it as an opportunity to improve on areas that even you may not be aware of. 

Stay Positive

Maintaining a positive attitude is key in such situations. Try not to feel disheartened and blame yourself for everything. Look at this as an opportunity to improve and find something better for yourself. Feel happy about the fact that you made it to the personal interview, there are so many candidates who do not get a chance to even appear for the interview. 

Keep Looking

It is easy to put your job hunting on hold after facing rejection. But the most reliable way to deal with rejection in an interview is to not give up. Keep looking for more job roles and interviews and find something good for yourself. This kind of approach will only help you stay confident and active instead of being stuck in a rejection slump. It is important to not let a rejection pull you down, instead let it lead you to what is meant to be. 

Be Selective

Try to narrow down your search when you are finding job interview opportunities. It is okay to turn down opportunities if you feel they are not right for you. Go for only those roles that are suitable for you. If a job role interests you, before deciding your suitability for it check for a few things. Go through its description, the company culture, responsibilities, and qualifications. If you feel like this is something you are fit for, then go ahead with the interview. But always remember to do your research first. 

Fresh Approach

Approach each interview with a fresh approach. Do not carry the baggage of rejection with you to the new interview. Edit your resume according to the new job requirements, research the new company and prepare well. Not all interviews will go the same way. Each company is different, each hiring manager will be different. Do not doubt yourself in advance and go unprepared and nervous. Appear for the interview with a fresh attitude while staying true to yourself.  

Focus On Your Strength

While there are a few areas where you can improve, there is also a set of unique skills and factors that only you can bring to the table. Focus on those traits because they are your strengths. And because of these strengths, you will end up landing your dream job. So before you start doubting your capabilities, make a list of all your strengths and remember them during your next interview. 

Polish Your Skills

It is essential to polish and update your skills from time to time, especially if you are unemployed at the moment. This means that there might be plenty of things you were really good at in your previous job role. However, now that you are not practicing it every day, those skills might go rusty. Don't let it happen.

Keep Learning

Getting rejected in a job interview takes a hit at your confidence. So it is important to keep your morale up. Keep learning new things that can make you a stronger candidate. Keep up to date with business news and latest trends, this will not only help you during your interview but also with your new job role. Just remember to stay professionally active. 

Handling rejection is difficult for most of us. However, it does offer opportunities that make a person self-reflect and improve. They say "good things come to those who wait." So, don't give up, enhance your job search and be patient. A new opportunity might come knocking on your door when you least expect it. 

 About the Author – Washija Kazim

Washija is a content specialist at Receptix. She has an MBA in Tourism and a passion for creating web content. She is an avid reader, a traveler, and a versatile writer. She has been writing on the topics of education, career advice, and related areas for the past 3 years.

Uncategorized Editor Tue, 28 Jan 2020 10:02:00 -0500
15 Travel Hacks All Tourists Should Know Planning your next summer holiday? There are many tips all travellers should know to help them save time and money when travelling. We’ve put together the top 15 we can think of, to help ensure you get the most out of your holiday.

Be flexible with your dates of travel

If you travel with set dates in mind, you might run the risk of losing out on a cheaper alternative. Be flexible with your travel dates, if possible. The best way to ensure you get a good deal is to use a travel comparison website such as Kayak or Skyscanner. Here you can check for flights to a specific destination throughout the month and discover the cheapest rate and date to fly. 

Two flights can be better than one

Are you having difficulty finding a cheap long-haul flight? One way to save money is to investigate booking two separate flights. This can be more time consuming but can end up saving you a lot more money, especially if you can find some budget airline alternatives.

Invest in a prepaid travel card

Instead of paying costly ATM withdrawal fees and conversation rate fees from your bank, why not invest in a prepaid travel card? These cards work similarly to a debit or credit card, all you need to do is top it up from your direct debit account and you can then use it to withdraw money and pay for items fee-free. There are a variety of options out there with cards from the Post Office to Caxton or Revolut available. It’s best to read and compare each card as it will all depend on what country you are travelling to and what currency you need. Be aware there may be added fees, so always read the small print!

Set up Google Maps for offline

This is an absolute lifesaver, did you know that by typing, ‘OK Map,’ into Google Maps this will save your map for offline use? There’s nothing worse than having to use data or search for a coffee shop with free Wi-Fi to access your online map. This handy tip will ensure you never have to worry about it again!

Set up Google Translate for offline

If you are travelling to a country where you don’t speak the language having a translator app can be handy to help you get by, but you will often find it requires an internet connection. However, with Google Translate you can set it up to be used when offline. To do this download the Google Translate app, go to settings and opt for offline translation. This will allow you to download the language of choice so you can use it offline. You can also enable Google Translate on your phone’s camera, simply tap the camera icon on your Google Translate app and hold it up to the writing you want to be translated. It will translate before your eyes in real-time, as if by magic!

Use a currency converter app

When travelling, it can be hard to keep up with the latest conversation rates for currency. By downloading a currency converter app, you can always stay one step ahead and make sure you aren’t getting short-changed! One of the most popular apps out there is XE Currency. With this app, you can watch rates of up to ten currencies at a time and transfer money globally.

Email yourself any important documents you will need

You never know what might happen to the hard copies, so always back up any important travel documents by emailing them to yourself. This means that if the worst happens and you lose anything, you will be able to print off a copy from an internet café or library.

Solid toiletries are your friend

Travelling with a carry-on case or fed up of your toiletries adding extra kgs to your overall luggage weight? Invest in solid toiletries, not only are they environmentally friendly and will cut down your use of throw away plastics, they aren’t subject to liquid restrictions and will weigh less in your bag. Lush do a fantastic new ‘Naked Range,’ which offers solid alternatives to shower gel, body moisturiser, deodorant, shampoo, conditioner and face wash.

Always bring a first aid kit

Wherever you travel and even if you have travel insurance, always bring a first aid kit with you. This should include antiseptic, basic plasters and bandages for cuts and grazes, stomach medicine and rehydration medicine in case of stomach upset and over the counter pain killers. If you have a medical condition and take regular medication it is important to declare this when travelling, especially if the medication you take is a controlled substance in the country you are visiting. Have a letter from your GP outlining the medication you take and any health issues you may have. If possible, have a translated version available, if it’s likely English will not be spoken at your destination.

Always travel with insurance

You never know what might happen when you are travelling, so don’t make the mistake of not investing in travel insurance. This will help protect you in case of illness, theft or if your airline or hotel goes bust. There are a variety of options out there, so make sure you read the policies to ensure you are getting the cover you need. Also, if you are from the EU, remember to apply for your EHIC card, which will allow you to access healthcare across the EU. However, if you are from the UK there is no guarantee this will be upheld after the UK leaves the EU. 

Rent a car in the city, not at the airport

Going on the ultimate road trip? You might discover that renting a car is cheaper from outside the airport. Prices can often vary depending on the route and whether you are returning the car to the same depot. Always compare prices within the nearby area and double-check it isn’t cheaper outside the terminal!

Always carry a purified water bottle

Buying bottled water not only is costly but isn’t good for the environment. Cut down on throw-away plastics and invest in a purified water bottle. These water bottles have a built-in purifier so you can drink tap water safely. It’s important to ensure that you pick one that will treat bacteria and effectively clean the water. The most popular band out there is LifeStraw. Their bottles come with an in-built straw filter that can filter up to 4,000 L of waterborne diseases and parasites.

Bring an infinity scarf

An infinity scarf is a great item to carry with you whilst travelling as it can have many uses. You can use it as a scarf, as a way to gain privacy in a hostel, as a makeshift pillowcase, as a wrap to cover your legs or shoulders from the sun, or as a makeshift headscarf if you need to cover your head to enter a place of worship. Some even include lightweight zipped pockets for you to store any essential items that you always want to have on your person. It is an incredibly versatile piece of material and if you are backpacking can be an absolute gamechanger. 

Always stay connected with a solar power charger

When you are travelling long-haul or backpacking, you never know how long it might be until you get to an electrical plugin. Instead of buying a traditional battery charger, invest in a solar power one as the only thing you’ll ever need to charge it is daylight. When you choose which solar power charger to invest in, double-check any wattage restrictions, to charge a mobile phone you will need at least 7 watts or for a laptop between 10-15 watts.

Send your luggage ahead of you

Save money on the excessive fees to put your luggage in the hold and send it ahead of you to your destination. My Baggage offers a fuss-free solution that will ship your bags from your home straight to your destination. No more baggage fees, no more carrying heavy cases through departures and no need to waste time at the carousel. Learn more about travelling luggage-free here.  

Uncategorized Editor Wed, 15 Jan 2020 22:13:59 -0500