5 Times Youll Want to Review Your Life Insurance

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There are a number of times in your life that youll need to review your life insurance to ensure youre adequately covered and you have the right policy for your circumstances.

Failing to reevaluate your needs can mean that you end up underinsured- something that many American families are facing, with an average insurance gap of almost $320,000.

These are the main events that should trigger a reevaluation:

1. Marriage and Divorce

If your spouse will depend on your income for their current standard of living, you may need to increase your insurance coverage to meet their expenses and pay off any large debts like your mortgage.

You and your spouse will need to take some time to evaluate your life insurance expectations based on your current finances. If either of you already have children, you may need to discuss whether you should be added as a beneficiary of their life insurance policy.

While many people get married in their 20s, the median age for second marriage is 32.6 for women and 35.2 for men. Life insurance will be different for people in second marriages, particularly if there are step children to consider. The former spouse will usually need to be removed as a beneficiary, and youll also need to consider any child support and alimony payments.

If youre getting a divorce, you may want to review your beneficiaries and ensure that any children you have together will still be adequately supported.

2. Expecting or Adopting Children

Adding children to the family is usually one of the biggest triggers for people who are uninsured to purchase life insurance. If you already have a policy youll need to update your insurance.

Usually, youll need to increase your cover, protecting the financial future of your kids. This will ensure that their living and education expenses can be covered if you pass on while theyre still dependent on you.

3. A New House or Job

When you change jobs, you may find that your new employer may offer more or less insurance than your last employer. This can mean that you either need to purchase supplemental coverage or decrease your current life insurance.

If your new job includes an increased salary, you may also want to increase your life insurance coverage. And if you purchase a new house, youll usually want to reevaluate your life insurance to cover the mortgage.

This will prevent your spouse or children from needing to sell the house if they no longer have your income available.

4. Retirement

If your employer is providing you with life insurance, youll need to update your coverage when youre ready to retire. If you already have whole life insurance, this can often help you cover the cost of retirement.

If youre worried about your chances of getting insured, you can also look into life insurance no medical exam. These policies will often cost more, however, as the insurer is taking on more risk.

5. Annually

Reviewing your life insurance doesnt need to take a long time. Mark a day on your calendar once a year to look into your situation and make any necessary adjustments.

You may find that events you hadnt considered (such as adult children becoming independent or going to college) can mean that you no longer need as much insurance.

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5 Things Every Employer Should Do When Hiring People

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Finding the best candidates to fill positions in a company can be the difference between a successful business and non-stop headaches.

Employers need to take multiple precautionary steps to ensure that they are looking in the right places for attracting quality people. Its also important to get to know potential employees as much as possible during the screening process.

Failing to do this can cause an employer to go through more trouble than they bargained for. Check out these steps below to help with your recruiting process if youve been having bad luck hiring people.

1. Figure Out What Value Can They Bring to the Company?

The reason why you hire people in the first place is to enhance the companys efficiency and potential.

In this case, you need to be hiring people who exactly that. There are a few ways to find out what a value a candidate brings to your company.

The first way is to go over their resume and search for keywords and experience that are essential to growing the business. For instance, if youre looking to increase customer conversion rates then you may want to look for someone with a successful track record in sales and knowledge of customer acquisition.

Another way is to ask candidates during the application process to describe some of their skills in relation to your companys specific needs. For instance, asking a question like explain your understanding or experience with SEO can get you closer to knowing if the candidate would be a right fit for the position.

Overall, an employer should pinpoint specific needs of the company to be able to quickly spot someone who has what it takes to fulfill those needs.

2. Check Their History of Inappropriate Behavioral Patterns?

Background checks are a common device during the hiring process. And this is a part of the process that the employer should not take lightly.

Aside from just settling for an employee passing state issued background checks, you should find out the employees history from more personal resources.

Be sure to take the time to call references and question about things that are important for employers yet often overlooked, such as how often are they late or how many times have they not held up their word when they said they would complete a task.

These subtle behaviors can lend some hints to whether the employee might not be the best pick depending on the environment and demands of the job.

3. Do Some Digging on How Well They Work With Others and Independently?

If you have a work environment that is very focused on collaborative work, you may want to hire someone who is actually easy to work with.

The one thing that makes work more dreadful than it has to be is toxic people in the workplace and vice versa.

If youre not one to micromanage and you know employees will need to be self-motivated and independent then hiring someone who needs their hand held all day may not be in your best interest.

It may even be a good idea to incorporate personality tests for employment into the screening process to get to know the motives and habits of candidates better.

4. Screen For Addictive Substance Usage/Abuse

No human is perfect and, as an employer, you never want to be judgmental of someone elses life experiences. But hiring people with self-destructive behaviors can destroy your company.

Do your best to spot risky candidates that could end up costing the company more than theyll bring in.

If youre a smaller start-up and cant afford expensive drug-tests at pricey clinics then consider using a safe and proven, at-home test like 9 panel drug test for screenings.

5. Test Them On the Required Skills for the Position

If a candidate claims that they have a certain skill then they should be able to prove it, right?

One of the biggest fears of hiring people is bringing on someone who claims they have a certain level in a particular skill set and finding out it was a lie.

During the interview process, it wouldnt hurt to give them a small test run of things they would have to do at the job to confirm their level of understanding. For instance, if someone says that they can type at a certain speed and thats an important part of the job, you could test their speed during a 60-second typing test to confirm the accuracy of their claim.

At best you will get a stellar employee who will be a great asset; At worst youll dodge a liar and someone who would have to teach more skills to.

Keep Your Companys Best Interest in Mind When Hiring People

Before you hire anyone for a company you should have your ideal candidate in mind so that you are able to spot the pros and cons during the application process.

Take as many precautionary steps as needed to find quality people.

Let us know in the comments about some issues you may be having with finding quality employees or some strategies youve used to build a great team.

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5 Skid Steer Bobcat Tools for Winter

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Getting your skid steer Bobcat ready for winter, it's important to know what you're in for and how to be prepared. And that involves knowing what equipment you need to do the work, and what equipment you need to keep you safe and comfortable in nasty conditions. Here are five tools you will need for your skid steer Bobcat this winter.

A quality nylon cab enclosure can help keep out the elements, and can keep you toasty inside your skid steer Bobcat with a specially-made cab heater. Chains for the tires of your skid steer Bobcat are essential for enhancing your productivity and ensuring your safety. A salt spreader and a snow pusher are two excellent choices for removing snow and making a safe environment for your customers and your neighbors.

There are a number of different types of skid steer Bobcat cab enclosures on the market, but the nylon type offers a lot of bang for the buck. Made of pliable 40 millimeter thick nylon material, with a hinged door that slips into place in seconds, this cost-effective system keeps out the worst weather. It will protect the driver from the elements, but it is recommended that a heating unit be installed for maximum warmth and condensation control.

The cab heater available for your skid steer Bobcat will do the trick. A 7" cube, this mighty little heater will keep you from giving up even on the worst days. It connects to the cooling system of your skid steer Bobcat with provided hoses, and as such requires some technical know-how to install. But the result is more than worth it, and this heater could pay for itself easily in a few day's work.

Speaking of the work, the snow pusher attachment is a truly unique tool. Estimated to be over 30% faster than a comparable plow, the snow pusher is a double-bladed scraper that keeps more snow in front of the machine as it pushes. The pull-back feature allows the skid steer operator to pull snow right out of doorways and other semi-enclosed areas.

With the snow pusher, it is recommended that you use chains, at least on the rear wheels of the skid steer Bobcat for maximum traction. The high-quality chains include high strength D-shaped links and are easily installed by one person.

Once the snow is removed, the skid steer spreader attachment is perfect for broadcasting salt onto the newly-cleared walking or driving surfaces. These high quality spreaders are able to scoop up the salt right out of the pile, so you can get back to work quickly.

Don't get caught out in the cold this winter without the protection you need. And don't get caught indoors, either. Invest in a few tools that will help you and your skid steer Bobcat stay productive in the snow.

5 SBA Loan Questions to Ask Before Getting a Loan

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If youre an entrepreneur, it can be difficult to find a small business broker whos truly looking out for you.

More often, were seeing unscrupulous players who are only concerned with stuffing their pockets. The business owner is then left with crippling debt, and the inability to pay it off.

Thats why loan offices still remain a popular choice. But, if you go this route, you still need to ensure that youre signing for a rate and terms you agree with.

Read on for 5 SBA loan questions you should ask your loan officer before applying.

1. What additional costs will be added to my loan?

Prior to even thinking about that SBA Form 770, you want to know what everythings going to cost you.

Luckily, of all lenders, banks and other local financial institutions tend to offer the lowest rates. The average APR from a local bank is 3%.

Also, if youre working with a broker from a community bank, they may tack on fees too. Decent brokers will only charge between 1% and 2% of the loan value for their services.

However, thats not always the case, so youll want to cover your base early on.

2. Do you offer short-term or long-term loans?

By now, youve probably identified what the purpose of your loan is. With this information, you should determine if a long-term or short-term loan is in your best interest.

Depending on your financial situation, one option will likely be a better fit. You should resolve this early on because not all institutions offer both options.

3. How long does it take for this process to be completed?

Depending on your lender, the loan application process can actually take some time.  Often, it takes several days or even a few weeks before a financial institution can approve your loan.

If you are in need of a quick turn around, this can help you eliminate lenders with long processing times.

Luckily, most lenders have fairly quick processing times and can let you know sooner than later. Some even can give you their decision within 24 hours.

4. When am I expected to make payments?

Coordinating a payment schedule is an imperative task with your lender. Both parties need to be on the same page to avoid any confusion or ill feelings down the road.

Traditionally, lenders received their payments in monthly intervals. Now, many allow you to make payments every week or every other week.

Some even allow you to make smaller daily payments.

If your lender requires daily or weekly payments, be sure that you have steady money coming in.

5. Does my industry matter?

Some institutions will only lend or refuse to lend to businesses within certain industries. Whether its too contentious or risky, certain businesses are frequently unable to receive backing.

This should be one of the first questions you bring up with a broker. This will save you from wasting time with someone who is unable to help.

If this is a concern of yours, you should probably consider going with a private investor. You can find private brokers who specialize in certain industries.

More SBA Loan Questions?

If you still have some SBA loan questions, then drop us a comment below!

Also, if your business needs a content marketing plan, we can help you there, too. Sign up here for awesome content that will drive traffic, leads, and sales to your website.

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5 Ridiculous Myths About Electric Vehicles Debunked

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Rising fuel prices is only one amongst the many reasons why its high time you switched to electric cars. Petrol and diesel cars have already contributed a lot to some of the worlds most frustrating problems such as greenhouse gas emissions, global warming and others. Despite increasing demand for electric vehicles and electric vehicle charging stations, electric cars have been receiving a bad rap for quite some time. Following are 5 myths about electric vehicles you should never believe:

Myth 1: Electric Vehicles Generate As Much Pollution as Conventional Vehicles

Fact: According to research, an electric vehicle will actually reduce the amount of carbon dioxide pollution generated out of electric usage, relative to the carbon dioxide pollution generated from oil usage. As the emissions are much lower, the future of our planet will be saved for several generations.

Myth 2: Electric Car Batteries Cannot be Recycled

Fact: Regular internal combustion engines use lead-acid batteries, which has nearly 98% possibility of being recycled. Even better, the lithium-ion batteries used in electric vehicles are much more recyclable and valuable than the former. Plus, with the number of electric car charging stations rising across the country, you could charge your vehicle batteries as and when required, thereby making it last longer as a result.

Myth 3: Plug-in Cars Results in More Nuclear and Coal Plants

Fact: Even though several vehicle owners are making the switch to electric cars, the amount of electricity generated would suffice to operate the vehicles we have today. Theres plenty of capacity on the grid that can easily accommodate the requirements of the EV charging stations, which means you can fully depend on electric vehicles just as you would with regular fuel-powered cars.

Myth 4: Car Batteries Will Run Out of Juice Easily

Fact: With the presence of even more efficient and powerful electric car charger, your car battery shouldnt be running out of charge that easily. With a 220V outlet car charging station, you get 100 minutes of charge, an extended range plug-in will give about 4 hours and a pure electric will settle you with six to eight hours of charge easily.

Myth 5: Electric Vehicles are Expensive

Fact: Most people refrain from buying electric vehicles because they believe electric vehicles are expensive. Though it might seem that the initial upfront costs are higher, reduced annual maintenance costs and fuel savings will add up to your savings as time passes by.

Get over these major myths, and buy that electric vehicle you always wanted. Enjoy your journey!

5 Reasons You Should Hire a Digital Marketing Expert for Your Parenting Blog

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Over 95% of blogs get abandoned within 4 months, according to research published in the New York Times.

They cant generate enough interest. Bloggers get discouraged. They run out of topics. They just cant keep up.

For these 5% of bloggers who do survive, having a digital marketing expert is quite often the key to their success.

Lets explore why.

1) Reduce Marketing Costs

The digital marketing expert can seem like an expense. But they know how to streamline everything you do to reduce the time and money you need to spend to meet blogging goals like:

Getting more traffic
Engaging your audience
Generating lots of shares
Affiliate ad clicks

They can show you how to effectively monetize your site without annoying your core audience. Through this, marketing pays for itself.

2) Generate Endless Topics

One of the reasons blogs get abandoned is because the enthusiasm wanes. Coming up with topics around a niche that you love starts to feel like a chore.

But a great internet marketer will help you understand how to find endless topics that youll love to write about.

Theyll help you tap into the power of user-generated content. Theyll invite parent fans to write guest posts and other content for your blog.

Your fans will love it and so will you.

3) Get Access to Better Tools

A digital marketing expert has access to tools that the average person doesnt have. These tools are often too expensive for someone running one blog to buy.

But because an Internet marketer is often working for several bloggers at once, they can afford the latest and greatest tools.

These tools can slash your work in half and help you better engage your audience.

4) Stay Consistent

The key to engaging a blog fan base is consistency. If you take a hiatus for a couple months or post erratically, people will lose interest.

Bloggers who try to do the digital marketing themselves often find it impossible to do everything so tasks fall behind.

But an Internet marketing professional can help streamline and automate processes to help you have a continual presence even when you need a break.

5) Get Optimized

A digital marketer will help you optimize your parenting blog for maximum exposure with less time and effort.

Theyll ask questions like

Which parenting topics do your readers love the most?

What social media headline earned you the most shares?

Where is your traffic coming from?

But they wont be making educated guesses. Theyll then use the power of analytics to discover whats working best for you. Theyll then help you do more of it.

You can get optimized results like proudmummy.com/ with an expert marketer.

A Digital Marketing Expert Gets Results

Be that 5% with an expert. Reach more parents with your message. Learn how to more effectively use your time to do it. Focus on what you love and leave the rest to an expert.

What experience has your parenting blog had with teaming up with a digital marketing expert? Comment below.

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5 Reasons to Hire Professional Window Cleaners

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Whether youre looking to impress the guests at your next dinner party or simply improve the curb appeal of your home, nobody likes the sore sight of cloudy or streaky windows.

Hiring professional window cleaners has numerous advantages, and weve listed the top five below.

Lets get into it!

Why Hire Professional Window Cleaners

Prolong the Quality of Windows

Regularly cleaning your windows helps them last longer. This is because window treatments remove the accumulated dirt and corrosion. They also target the aluminum deposits that can weaken windows and cause cracks.

Even though professional window cleaners may cost more out-of-pocket now, you may end up saving significantly more money in the long-term. Talk about a win-win.

Its a Really Hard Job

Be honest here. Whens the last time you thoroughly cleaned your windows? Cant remember. Dont worry about it. We promise youre not alone.

Cleaning windows is tedious, difficult, and time-consuming, especially if you have tall windows and need to move a ladder around. Its also the last thing you want to worry about if you need to sell your home quickly.

Thats not to mention the potential streaking that often occurs with improper squeegeeing techniques.

This where the experts, like LaborPanes, come in. They handle the grueling work with a smile. You enjoy beautiful, clean windows.

Safety First

We mentioned that the labor behind window cleaning is tedious. With that said, it can also be incredibly dangerous.

The risk of falling off ladders, especially when reaching in awkward angles, and trying to balance different weights, is a very serious danger. Just because you know how to use a ladder doesnt mean you know how to do a difficult chore with one.

Windows can break, especially if you arent exactly sure what youre doing while cleaning, and we all know that glass shattering is incredibly risky.

Finally, the harsh chemicals used for window cleaning can be toxic for you and your family, especially if you arent wearing the appropriate protective gear.

Unbeatable Aesthetic Appeal

Dirty windows can make the entire place look off. If youre looking to improve your homes curb appeal, especially if youre in the process of selling, professional window cleaning is a no-brainer.

Dirt and debris can cause damage, and neither of them look very appealing for you or your guests to see. In other words, this is simply one part of home maintenance you dont want to skip out on.

Keep the Sunshine In and the Bugs Out

Professional window cleaners are experts at detecting those annoying, pesky creatures that seep into those window cracks.

Ever look behind a dirty window shutter and seen a dusty cobweb or bee nest? What about a cluster of dead flies?

Final Thoughts

Professional window cleaning is one of the best choices you can make to maintain the beauty and safety of your home.

If youre tired of streaky windows or wasting the entire day doing it yourself, consider leaving the job to the pros. Were confident you wont regret it!

Not exactly a lovely sight for your home. Hiring professionals eliminates this annoying and potentially hazardous task for you.

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5 Real Estate Advertising Tools That Can Help You Sell Your Home

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If youre thinking new tech hasnt quite reached the real estate industry, think again. From drones to social media, there are plenty of fresh and modern ways to help sell your home fast.

Our recent advances in technology have given us the tools to advertise directly to our consumers. So, whether youre a homeowner or agent, you have what you need at your fingertips.

Here are five real estate advertising tools that can help you sell your home faster than you could have just a few years ago.

1. Professional Photos

Buyers are using laptops and mobile devices to view available homes more than ever. Want to get them past the screen and through your door?

Make sure your listing includes high-quality professional photos of almost every room. That means iPhone snapshots wont cut it.

Studies show that listings with professional photos sell quicker and for more money than listings without.

But if youre dealing with a highly competitive market, consider going above and beyond professional photography. Read on for more ways to set your listing apart from the crowd.

2. Drone Photography

Since nine out of ten home buyers use the internet as a primary research tool, eye-catching content is essential.

High-quality professional photos are important but its becoming more and more common to see. Drone photography is a new way to get your listing to stand out.

Marketing a real estate property isnt easy. Drone photography can provide your listing with beautiful, dramatic, sweeping shots of your property.

It can also be the best way to showcase the surrounding landscape and layout. Both of which are effective selling points and deserve to be a part of your advertising strategy.

3. 3D Immersive Video Tours

Are you a tech nerd? Well, get ready for this. If professional photos and drones arent enough for you, consider a 3D immersive video tour of your home.

The Bigger Equity site says we are currently in a sellers market. But that doesnt mean you cant get creative with your real estate advertising strategies.

Virtual tours have provided the kind of exposure we used to only dream about. With a 3D immersive video tour, anyone in the world can tour your property for as long as they want. From wherever they want.

The investor in China has the opportunity to tour your home without flying back and forth. The military wife moving cross-country gets a better chance at picking the right house for her family, without any inconvenience.

Great pictures and videos are essential, but buyers need to find your listing first. Heres where to get eyes on your property.

4. Social Media

Ever thought to post your listing on Facebook, Twitter, or even Pinterest? These sites are the perfect place to share your amazing photos and video.

Many agents are encouraging their sellers to share their listing with their friends. And to get friends and family to share your listing with their networks.

Social media isnt just a place to waste the hours away. Its a great selling tool that you should be taking advantage of.

5. Dont Forget Real Estate Advertising Basics

You cant go wrong with these real estate advertising tools as they have stood the test of time.

Make sure your home is listed on the Multiple Listing Service (MLS) site. Complete with a full description and professional photos. This is the first place many buyers and agents will be looking for available homes.

Also, post your home on all the major real estate sites. Here is a list to get you started:

Zillow
Trulia
Redfin
Homes.com
Curbed
Hotpads
ZipRealty
Auction.com

Finally, print good old-fashioned flyers, pamphlets, and postcards to hand out at open houses. Include your best photos and major selling points.

When youre selling your home, make sure to use real estate advertising tools to help speed up the process.

Check out our blog for more advice on real estate and marketing tips.

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5 Most Shocking Meth Lab Explosions in History

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Breaking Bad aired its finale in 2013. Youd think that after it brought the grisly details of the meth business to the forefront of Americas consciousness, use would start to decline.

Unfortunately, the manufacture of this deadly drug continues, and it continues to claim the lives not only of those who are addicted to the drug, but those who make it.

Unlike weed, theres nothing funny or entertaining about crystal meth.

Meth lab explosions are a tragic but all-too-common experience. Heres a chilling look at some of the worst ones:

1. Locke, NY, 2014

Nine people in Upstate New York were charged in connection with the death of a man who died from injuries he sustained during a meth lab explosion. Four of the individuals arrested by the Cayuga County District Attorneys office were related to the victim, 47-year-old Shawn Perrault.

Authorities say that Perrault was actively cooking the methamphetamine in a mobile home when an explosion set the home, as well as a nearby barn, on fire. Perrault sustained major injuries, from which he died nine days later.

Perhaps most tragic of all? Three children were in the mobile home at the time of the incident.

2. Evansville, IN, 2011

In one of the worst meth lab explosions in recent history, three people were injured and two killed when a private home blew up. Two neighboring houses were also damaged and had to undergo hazmat cleanup, while the house in question had to be leveled,

In addition to the two fatalities and three adults who were injured, a child was also taken to a nearby hospital for treatment.

A neighbor who witnessed the explosion stated, You felt it over your whole body  through your bones.

3. Milton, FL, 2004

Heather Raybon is among the most notorious victims of meth lab explosions. She suffered severe, disfiguring facial burns during the initial incident, and has since undergone a number of plastic surgeries. Nevertheless, her face remains a shocking testament to the dangers of cooking methamphetamine.

Raybon was arrested several times after the explosion, once in 2009 for a traffic violation, and again in 2011 when police raided a trailer on a warrant for her alleged boyfriend, William Hindall.

Hindall, 30, and Raybon were both charged with trafficking methamphetamine, possession of felony drug equipment and possession of chemicals necessary to manufacture the substance.

4. Lakeland, FL, 2012

In one of the most alarming meth lab explosions, a driver was killed while attempting to make meth inside his moving vehicle. The body of 36-year-old Clifford Ellison was found inside his overturned car, along with evidence of a mobile, shake-and-bake meth kit.

This method of creating the illegal drug involves mixing chemicals in a bottle, then shaking it. In Ellisons case, the result was an explosion that drove shards of glass into his neck, killing him and causing the car accident.

5. Allegan, MI, 2011

Dennis Letts had been burned once before while attempting to manufacture meth, but a second incident frightened him into sobriety.

The explosion set Letts, then 28, on fire after throwing him 17 feet. He then burned for an estimated 90 seconds before a friend doused the flames with a fire extinguisher.

The skin on his chest, arms, and face, he later said, was melting like hot wax.

Meth Lab Explosions Can Be Stopped

There are many dangers associated with crystal meth, both its manufacture and its use. To learn more about actions you can take to create drug-free communities, visit the Community of Anti-Drug Coalitions of America website.

And if someone you love has a problem with addiction to meth or any other drug, please urge them to get help through rehab. There is hope!

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5 Money Management Apps That Make it Easy to Save

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Personal finances can be complicated.

Between checking and savings accounts, credit cards, and a plethora of loans ranging from your car payment to student debt, it can be difficult to keep everything straight.

But if you dont, you might find yourself skimming the bottom of your bank account every month.

Keep in mind that you do have options in an emergency, such as installment loans, but it does make it harder to get ahead if you are depending on these resources.

Usually, its better to build your own safety net and normally thats the goal. That can be easier said than done, especially if numbers dont come easily to you.

Luckily the modern age has produced free resources for you to draw upon for a little help managing your budget. Check out these five money managing apps.

Mint

If youre one of the people we talked about who cringes at the thought of numbers, youre going to be looking for an app that is streamlined and simple to use.

Mint might just be the perfect fit for you.

Made by the creators of TurboTax and QuickBooks, the app caters to those who want a quick setup and value overall ease of use.

This app connects to your checking and savings accounts, credit card, monthly bills, and 401k, allowing it to automatically update every time you make a purchase.

One of the perks of this is that you can create spending goals and Mint is able to notify you as youre approaching them.

PocketGuard

This app allows you to categorize expenses, bills, and subscriptions and turns them into a graph so that you can better visualize your budget.

Much like Mint, PocketGuard automatically syncs to your bank accounts and credit cards so you know how much disposable cash you have at any given time.

Aside from that, users love it for its convenience and the budgeting suggestions it offers.

IOU

This app is a little different from the others weve looked at so far as it focuses most of its attention on debts what you owe and what other people owe you. This includes monthly bills and loans.

This isnt a full-blown budgeting app, but it alerts you to upcoming bills that need paid to help you plan ahead and can be a great resource if youre the friend who always reaches for the lunch tab first.

Budget

Claiming to be the first true day-by-day financing application, this app tracks your income and expenses in real time and gives you a daily spending limit.

This is a great app for those just starting out with budgeting and potentially working with smaller amounts of money. It also allows you to export your spending habits, which can help teach you how to budget better for the future.

Dollarbird

Dollarbird is a great option for anyone reluctant to sync their bank accounts with an app. Using a calendar format, you manually input your income and expenses and the app calculates your balance and what is left over for you to spend.

If your expenses change month to month, this is a great option as you can program expenses to be reoccurring or not.

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5 Issues Authors Run Into That Require Legal Support

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The art of writing as a career is a free expression of your thoughts, beliefs, experiences, and imagination for a profit.

However, as liberal as this profession may seem, it still has to play by the rules.

Writers can sometimes find themselves in need of legal support if they are not aware of the industrys general dos and donts.

Here Are 5 Issues Authors May Need Legal Support to Address

1. Copyright Issues

The best way to avoid copyright is to only publish your own work, but what about when you need something to support your writing?

This may be an image or a fact to add some credibility to the article or book youre working on. Always reach out to the source you want to cite.

When in doubt, use a trusted third party or practice Fair Use.

Instead of finding a random image from a search engine, sign up for a stock image website or hire a photographer to own your own private stock.

2. Trademark Infringement

Trademark infringement may unintentionally cause you to need legal support. It is the unauthorized use of a trademark or brand in connection to something which may cause confusion.

Have you ever told someone to just Google a random fact, or use a Kleenex to blow their nose? This may be fine for casual conversation, but it is a perfect example of trade infringement.

If you are ever writing about a real-life situation in which someone was using a brand, try to create a fictional alternative to avoid needing legal support.

3. Privacy Rights

Another thing to be cautious about when relating true stories is the respect for privacy protection.

The United States has specific rights about disclosing another persons private information like medical or financial situations. Also, consider personal matters which may be considered sensitive or embarrassing.

Ask yourself if you were the subject how it would feel to have your private business told to the world, and when in doubt, seek counsel before publishing.

4. Contract Challenges

When working with a publisher, always double check the contract negotiations and rights.

Are you signing away film and television rights? How much control will you have in the editing process before the final draft is confirmed?

The best way to avoid needing legal support is to have a consistent, open line of communication with publishers.

When both parties understand submission deadlines, revision guidelines, and updating rights, the smoother the writing process becomes.

5. Registration of Your Copyright

Copyright exists as soon as you put something out in the world. Whether it be as a freelance writer, online blogger, or published author, the moment you put your name on it, its yours.

You reserve the right to authorize others to use your words and information. However, sometimes copyright issues arise.

The best way to protect your writing is to register your copyright. This may require some legal funding, but it is well worth the investment; its like insurance for your work.

Improve Your Writing

Are you interested in creating more relevant, targeted content?

Get access to industry analyses to focus on the right topics, build your writing team, and more with Article City.

Sign up for free and join the network today!

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5 Heartwarming Holiday Books to Enjoy with Your Family

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The holidays are fastly approaching. And now is the best time to pull out those holiday books and enjoy the holiday spirit as a family.

Dont know what books to read to your children?

Read on to find out some classic stories that are bound to put a smile on your childs face!

1. How the Grinch Stole Christmas

This is a classic by Dr. Seuss. The story is about the Grinch who lives up on a hillside away from Whoville.

The Grinch despises Christmas and hates that the citizens of Whoville are having such a good time during the holidays.

The Grinch comes up with the idea to take Christmas away from the Whovillians. He goes through each one of the homes and steals Christmas trees, presents, stockings and the like.

He thinks hes done the job. But when the residents of Whoville wake up, they still end up singing in the town square. Because Christmas isnt about presents for the Whos, its about family and love.

This opens up the Grinchs heart, who then goes down to Whoville to apologize and celebrate Christmas with them.

Why is this book a great read?

Children can learn that Christmas (and holidays in general) arent really about the gifts and decorations, but instead about coming together as a family and community.

2. A Christmas Carol

Charles Dickons A Christmas Carol is similar to How the Grinch Stole Christmas. Like the Grinch, Scrooge is a devout Christmas hater.

He believes in only work and cant stand Christmas bah humbug in his own words.

However, during one night, he is visited by three ghosts: the ghost of Christmas past, present, and future.

After observing his past holiday memories, seeing his present actions, and watching what will become of him if he continues his this way, Scrooge has a change of heart.

He doesnt want to be the curmudgeon everyone avoids.

After that night, he goes to Tiny Tims house bringing Christmas gifts. He is determined to change his ways and bring some Christmas cheer.

Why is this book a great read?

Like How the Grinch Stole Christmas, A Christmas Carol carries the same message: Christmas isnt about wealth or presents but about being around the ones you love and care about.

3. The Legend of Old Befana

This is one of the most heartfelt Christmas books. Written by Tomie DePaulo, The Legend of Old Befana is a time-old Italian story about an elderly woman in an Italian village who sweeps day in and day out.

One night, the three kings visit her place before journeying on to Bethlehem. They invite her but she declines; she has to sweep.

She then regrets her decision, making sweets to bring to the baby Jesus. She doesnt get to Bethlehem in time and is said to be giving sweets to children every Christmas.

Why is this a great read?

It introduces children to another culture and their interpretation of Christmas.

4. Olive the Other Reindeer

Written by Vivian Walsh and J. Otto Seibold, Olive the Other Reindeer is a Russel terrier believing that she is the other reindeer.

She ventures to the north pole to help Santa and save Christmas.

Why is this a great read?

This is one of the more modern holiday books. Its endearing and provides a fun interpretation to the Rudolph the Red Nose Reindeer song, and story.

Its a great present and goes well with the best holiday cards.

5. Carls Christmas

Alexandra Days holiday book, Carls Christmas, tells the journey Carl, the dog has running errands with the young child of his owners.

Why is this a great read?

It has more picture than text which allows for children to create their own story about Carl the dog.

Warm Your Heart and Homes with Holiday Books

No matter what holiday books you choose, these five are bound to make your child smile!

What holiday books do you recommend? Leave a comment below.

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5 Gorgeous Garden Walkway Ideas for Your Home

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This summer, dont leave your flowerbeds looking ho-hum.

Check out these 5 gorgeous garden walkway ideas.

1. Take the First Step

Stepping stone walkways are always in style. They appeal to everyone especially children. They love using them for their summertime chalk art!

Stones come in a variety of colors. You can choose what suits your style best.

Comprised of large stones placed in a bed of gravel, these walkways allow you more creativity and flexibility in your yard design. You can place the gravel in any shape you like.

You can also decide whether your walkway will be single-file, or if it will accommodate two people side by side for a leisurely stroll. Single file paths are usually used for access around the side of a house, or to a shed, for example.

2. Lead The Way

Garden pathways arent about getting from point A to point B. Theyre about enjoying the journey.

Meandering paths through scenic gardens are healthy for you. They help your brain relax. Create peace in your home garden by using a curved pathway.

Curving walkways create a sense of calm. They can also help small yards feel larger because they elongate the walking space. These informal pathways work best when surrounded by lush vegetation. Plants that stand about 6 inches to 1 foot high are a good fit.

Try large, fluffy plants like lavender or mondo grass to help flesh out your serene garden space.

3. Stay on the Straight and Narrow

Straight walkways give off a more formal vibe. They pair well with colonial style homes and larger yards, though they can work well with any space.

Lean toward plants that you can trim and arrange. Box hedges and sculpted topiaries all pair well with the crisp and clean lines of a straight walkway.

To add interest, consider a trellis covered in colorful blooms. Those with larger yards might invest in a water feature or small pond.

Small yard? Setting pavers on a diagonal will elongate the space. You can even grow moss between them for a refined feel.

4. Choose Your Palette

Whether you decide to create a zen garden or a garden inspired by Versailles, its important to choose materials that mesh with your theme.

Different shapes, textures, and colors of stone can each give off a different feel. For a cozy sensation, add lots of texture, asymmetrical shapes, and deep, rich color.

Going formal? Try angular, flat pavers in a neutral shade.

5. Mix It Up

Some of the best gardens are a blend of styles. Try breaking the rules. Mix textures and colors (like smooth slate and red brick) for a surprising satisfying pop of color.

Did you know that gravel comes in colors? Pair bright, unconventional colors and patterns to amp up your creativity.

By adding a few pavers for walkway, you can transform a garden into a wow-worthy space. Theres no better time than right now to start creating the garden of your dreams.

Well, are you feeling inspired? No matter the space you have, you can create something awesome!

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5 Fast Facts About the Paris Climate Change Agreement

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It seems like you cant read a newspaper or turn on a television without reading a new study on climate change. With melting ice caps and species dying, things are a bit frightening.

And given recent events, it seems discussions are more heated than ever.

President Trumps decision to remove the United States from the Paris Climate Change Agreement was a controversial decision, to say the least. Previously, the U.S. was working with 195 other countries to try and combat the effects of global warming.

But what is exactly is the Accord and what does it mean for international diplomacy?

Keep reading for some quick facts to get you up to speed.

1. The United States Cant Pull Out Overnight

Its going to take a few years before the U.S. is officially done with the Paris Accord. While Trumps decision made headlines, the withdrawal will take more time than he thinks.

Just how long will it take for the United States to revoke their membership? About 4 years, which coincides with the next presidential election.

This means that Trumps decision can be easily reversed should he not serve a second term.

2. There are Only 3 Countries Not Participating in the Agreement

Originally, there were only 2 countries Nicaragua and Syria that didnt sign on to the Accord. Should President Trumps decision stand, the United States will become the third.

Even areas that the U.S. has traditionally had issues with such as Russia and North Korea participate.

3. The Paris Climate Change Agreement Isnt Legally Binding

As it turns out, the reason Nicaragua declined to sign was for this very reason. While the country acknowledges climate change as a very real threat, they believe its up to the richer nations to combat change first.

And therein lies one of the most important aspects of the Accord. It isnt a legally binding document, so there isnt much of anything to hold a countrys feet to the fire. Participation is entirely on a voluntary basis.

4. China and India Complicate Matters

And since the Accord is voluntary, there arent any tangible consequences at least not yet.

China and India pose the two biggest threats to the fight on climate change, as both nations produce large amounts of carbon emissions.

You may recall President Trumps assertion that, China can do whatever they want for 13 years while the U.S. has to reduce coal production. In fact, it was touted as one of his primary reasons for removing the U.S. from talks.

His statement, however, is simply not true. PolitiFact points out that the document doesnt prohibit any nation from anything.

5. Most State Representatives Arent Happy With the Decision

Several states have already said that theyre not following the Presidents orders. In fact, New York and California have already promised to reduce their emissions.

In an unprecedented move, Trumps decision united bipartisan efforts to combat climate change.

What to Watch For

The following months are going to be an interesting time for climate discussions. With states now leading the effort to combat air pollutants, this isnt a fight thats going to die down soon.

Be sure to keep reading our blog as developments occur.

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5 Factors to Choose a Security Camera Lens

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There are multifarious complexities that come along with a security system, which makes it extremely difficult to understand. Things like cameras, DVRs, monitors, and accessories; everything affects the quality of the overall recorded image or video. However, the most pertinent among the mentioned ones is the camera. So, today we would take up camera into consideration.

When you are looking up for the video surveillance cameras, you need to understand that the lens of a camera plays a very vital role in the type of video quality you are aiming for. And, there are certain factors you need to know when you are searching for a good lens security camera:

Following are the factors, which will come in handy while choosing a camera lens:

1) Focal length and field of vision

The very first feature that should be considered while selecting a camera lens is its focal length. The range and field of vision are determined by the focal length of the camera. The fundamental rule to bear in mind is that larger the focal length, narrower will be the field of vision and vice versa. To capture images in a 20-foot-wide field, a 2.8 mm lens would be ideal. On the contrary, a 12mm lens can grab a clearer image of an object which is farther away.  A lens with a focal length around 8mm would split the difference between the two extremes.

2) Aperture

It is the unit of measurement that defines the size of the hole through which light passes and enters the camera. F-stop is used to measure the size of the aperture. A lower F-stop number would mean a wider aperture which further means that more light is allowed to pass through the camera.

Aperture affects the depth of the field.  A more focused object is captured when the number of F-stop is higher and has a narrower aperture, whereas objects viewed with a wider aperture may appear blurry.

3) Iris
It is the Iris that determines what amount of light should pass through the lens aperture. There are two variations of iris, manual and auto. A manual iris is a very good deal for indoor conditions as it allows only a fixed amount of light to pass through the aperture with little to no lighting variance. An auto iris lens is required where there is fluctuation in the lighting levels, for instance, in the outdoors. As the name implies, the auto lens senses and adjusts automatically to accommodate the different levels of brightness.

4) Image Format

When aiming to maximize image quality, it is imperative that a lens should match to its paired camera. Every security camera has an image sensor installed inside them. Basically, its function it to take the captured light, convert it into electrons and assemble them, hence, resulting into a visible image. For recording objects, these little procedures are important.

Image sensors are distinguished by their type, listed as a fraction of an inch. The field of view and the fraction are directly proportional to each other, i.e. larger the fraction, the larger is the field of view available. Every lens has a maximum inch image sensor with which it is compatible. When you are in a procedure of pairing a lens with a camera, it is imperative to know that the lens image sensor compatibility should be of the same size or bigger than that of the camera.

5)  Three different lenses

Lenses can be classified into three different categories, i.e. Monofocal, Varifocal, and Zoom. Out of these three, monofocal is low-priced and the most basic one. These lenses have a fixed focal length allowing them to focus only on objects at a specific distance.

Coming to the Varifocal, it has a focal length range that the user can manually adjust to alter the range of vision. Now the third category, i.e. Zoom. They are the most expensive amongst all. Similar to Varifocal as they also have an adaptable focal length range, however, varies from them in a way that they can be adjusted. The lenses belonging to Zoom classification can adjust automatically rather than have to be done manually.

Hope the above-mentioned information would help you in making the right decision.

5 Essential Tips for Financial Planning After Divorce

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Getting a divorce is never easy. In addition to the emotions caused, there are all the matter of moving households, dividing up goods and deciding custody if pets or kids are involved. Another important thing to consider is your finances. After a divorce, you likely wont be able to continue with the lifestyle youre currently living because you will be on one income instead of two or will be using money awarded by the courts for alimony or child support. Thats why its vital to consider the following financial advice as you get divorced.

Review Your Finances

The first step is to review your current finances. Youll want a picture of what youre spending on food, housing, utilities, entertainment, clothing and other necessities, as well as how much youre saving, contributing toward debt or spending on education expenses. Youll need to compare this to your income. Not your income now. Your income after the divorce. Having a clear picture of what you are facing in terms of income and expenses helps you plan for your future after the divorce is final. Make sure to consider possible future expenses, such as braces for the kids, upcoming medical procedures and the need for a new car or an emergency nest egg.

Consider Alimony

If youre going to be responsible for paying alimony to your ex-spouse, you need to be sure you budget for it. Youll need to figure out the tax repercussions of alimony as well. If youll be receiving alimony payments, youll be taxed on them and will have to keep that in mind when you are making your budget. Remember, too, that alimony doesn't last forever, whether youre paying it or receiving it. That means you also need to have a long-term plan in mind for when the money runs out. If you will be able to stop paying, you can put that money toward savings or investing and if youre receiving the alimony, youll need to figure out how youre going to replace that money before the terms run out.

Think About Your Career

If youre leaving your marriage and entering the workforce for the first time in a while, it pays to think about your career before the divorce is final. As you look for a job, keep a budget in mind so that you can negotiate a salary that meets your financial needs going forward. You may need to take some classes or renew a certification before you can be hired and now is the time to address those needs. Get a clear picture of the cost of any additional training you need so you can consider that when making your new budget. Then, when you are ready you can go back to work with the peace of mind that comes with knowing how much youre making and what youll be spending it on. You have enough to think about with a divorce and this will take one thing off your mind.

It Might be Time to Downsize

Many time, after a divorce, both parties are forced to downsize. Not only are you on a single income now, but you dont need the space you might have needed before. It might be a good idea to consider moving to a smaller or less expensive home so that you are able to make your new budget work. Selling your current home can really help you put some money away and is a great idea if youre looking for a new job or have children to support. Its also a good idea to consider the utilities, which could be much lower in a smaller or older home. You might even consider renting instead of buying something new to further cut costs. Selling large or valuable items you no longer want or need makes it easier to move houses and gives you a bit more money to put in your nest egg.

Be Sure You Have Health Insurance

If youre getting a divorce and are currently on your spouses health insurance plan, you may need to look at buying your own policy. COBRA is an expensive option and researching your other choices now is better than waiting until theres no alternative. Your children can likely stay on their current plan, but you will no longer be a dependent and will need your own policy. If you work or are planning to return to work, you may be able to find an affordable option through your employer. You might also want to put some money aside, if you have it, so that you are prepared in case of a medical problem in the interim.

Put Money in Savings

Its also important at this time to sock away some savings. You dont want to be caught without backup if your car breaks down or you need emergency medical treatment. A savings account is a great place to store your emergency fund and you can even earn a little bit of interest at the same time. Most experts recommend having a few months worth of expenses in savings in case you lose your job.

All of this is a lot to consider and will require a pile or legal paperwork. If youd like to draft a document or prepare an agreement with your spouse with regard to your divorce, consider letting an expert, like those at assignmentmasters get it done for you. That way you can be sure its free of errors and allows you to put forth your terms and get what you want and need from the divorce. Theres no reason to go it alone during such an emotional and stressful time. Getting your finances in order is one of the biggest things you can do to make the transition to your new life smooth and easy.

Getting a divorce is going to be worrisome and take some time but removing the added worry about having enough money is vital to getting through it without consequence.
Bio:
Having gained his English degree by the age of 17, William took on a clinical psychology degree, but dropped out after her first year. Then, after the unexpected arrival of his child, he settled into becoming a writer and a graphic designer. William knows a great deal about content marketing, visual marketing and graphic design.

5 Common Behavioral Problems in Pet Parrots (And How to Fix Them)

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For any pet owner, its important to recognize when pets are displaying behavioral problems and to know how to resolve the issue. 

And, just as pets like cats and dogs can misbehave, pet parrots can exhibit a range of problem behaviors and cause frustration for their owners. 

However, there are certain behavioral issues displayed by parrots which are more widely reported than others. 

Read on to find out what behavioral problems to look out for in your pet parrot and what you can do to fix them.   

1. Biting

Biting is probably the most common problem seen in pet parrots, and its often a result of how the owner approaches and treats their pet. 

If you approach your pet parrot with apprehension, it will sense this and respond with a bite. And if you use your hands to shoo your bird away or cause harm, it will learn to associate your hands with something bad. Parrots and other birds dont have hands to defend themselves so they use their beaks. 

Unfortunately, not all birds are as well-treated as those from XtreemParrotlets and may be acting out of fear after experiencing abuse. So, even if youve always been kind to your pet parrot, it may be reacting this way due to how it was previously treated. 

The best way to overcome the problem of biting is to approach your parrot calmly and only ever use your hands in a friendly way, never for rejection or punishment.

Reward your parrot when it doesnt bite you, and avoid reacting when it does. If you scream or yelp this will reinforce the behavior and your parrot will continue to bite you.  

2. Feather Plucking

This is a serious issue that close to three out of ten birds suffer from at some point, although there are many different causes for it. 

A poor diet can cause brittle or frayed feathers so be sure to provide your pet parrot with a varied diet full of nutrients.

A lack of light can also lead parrots to self-mutilate. Put your birds cage in a sunny spot of the house so that your parrot gets a daily dose of sunshine and vitamin D.  

Feather plucking can be as a result of boredom. Keep your parrot entertained with toys and make sure that its cage is big enough to move around in. 

Lastly, feather plucking is often a sign of depression or loneliness. Spend plenty of time with your parrot and give it lots of attention, especially if you have recently spent time away from home or someone in the household has left. 

3. Screaming

While screaming and vocalizing are common for most birds, especially at dawn and dusk, inappropriate screaming is a clear problem. 

As with biting, you should ignore any screaming or sounds you dont like and avoid looking at or going to your parrot when its screaming.

But, also make a point of rewarding your pet with attention and praise when it stops screaming. Gradually wait for longer periods of time before giving attention so that your parrot learns not to scream.  

Screaming can be a result of boredom or stress. So, to eliminate the cause of the problem, make sure your parrot is well-stimulated with toys and plenty of human interaction. 

And, just as talking or writing down our feelings can help us cope with stress, teaching your parrot to talk can help it express what its feeling. 

4. Destructive Behavior 

Destructive behavior in parrots such as making a mess of their cage or biting furniture is often a sign that your pet isnt receiving enough mental stimulation.  

Be sure to spend lots of time with your parrot, talk to it and include it in your daily activities, such as family meal times and watching television.  

Get new toys for your parrot to stave off boredom and make a point of regularly talking to your parrot and praising it, especially when it refrains from destructive behavior. 

5. Becoming Territorial 

Territorial birds will react to or attack anyone who occupies a certain area, such as a piece of furniture, claiming it as personal territory.  

Birds can sometimes become territorial as a result of hormonal changes. However, your parrots territoriality might be a sign that it is unhappy with its environment and isnt as comfortable with you as you would like. 

Bonding techniques such as sharing bird-safe food and giving your parrot regular baths can help, as can relaxing your parrot with soothing music. Try to create a calm, open atmosphere so that your parrot learns to live alongside you and your family without the need to claim territory. 

Encourage and Engage Your Pet Parrot to Help Stop Behavioral Problems

These common behavioral problems seen in parrots are mainly a reflection of a lack of stimulation within their environment. 

So, be sure to keep your parrot engaged by regularly talking to your pet, giving it toys to play with, and keeping it involved in daily activities.

And, while many of these bad behaviors should be ignored so as not to reinforce them, remember to always encourage and praise your parrot for good behavior. 

Does your parrot have any of these behavioral problems? Or can you offer any additional advice to stop your parrot from behaving badly? Let us know by commenting below.  

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5 Clever Home Hacks That Make DIY Remodeling Easier

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5 Changes Coming to Fleet Management in 2017

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As a fleet manager, you want to keep your eye on the ball, become informed about news, trends, and legislation, and watch out for unexpected curve balls in the fleet management industry.

To do your job effectively, you need to keep abreast of all thats new to accurately manage budgets, reduce financial and safety risks and increase company revenues.

After all, we all need to make our bosses, stakeholders, and customers happy.

I want you to be on top of your game, so Ive compiled 5 changes you need to watch for in 2017.

Lets hit the road.

1. Fuel Management Changes

Its no surprise to fleet managers that fuel cost is a key budget concern to the fleet industry.

In the beginning of 2017 The International Energy Agency predicted the global crude oil surplus will diminish, driving up fuel costs.

The increase occurred due to OEM and various other oil producers putting a cap on the production of oil, which fuels their own profits.

Not surprised?

But fleet managers are taking precautionary measures to increase fuel efficiency. A couple of these steps include purchasing more fuel-efficient vehicle models and downsizing the size of vehicles without sacrificing vehicle performance.

Managers are also implementing better fuel efficiency by encouraging better driving practices.

Some drivers receive monetary rewards for practicing more insightful driving habits.

2. Telematics

With more telematics technology installed in vehicles this year, fleet managers are better able to manage rising costs more effectively.

The utilization of implementing telematics boosted results in decreased fuel consumption, better routing and company productivity.

Another tactic companies are employing is the use of SIM cards in telematics devices as a way to lower data costs.

Whether for real-time monitoring or for scheduling, financial spending, and vehicle servicing, this evolving trend seems to be helping the fleet industry.

3. Paperless document management

The world is moving towards a paperless environment for business transactions and the fleet industry is no different.

Companies are trading in paper printing methods for electronic communications for purchase orders, delivery status, vehicle monitoring and reporting.

These key processes are now conducted electronically through email, online portals and on company websites.

4. GPS Tracking Systems

Approximately 30-40% of fleet companies use GPS tracking devices to manage aspects of business.

Like telematics, these systems help to minimize risk, decrease costs, and increase revenue.

GPS component tracking provides fleet managers more control over their business in these ways:

Theft risks go down
Driving efficiency goes up
Managers are able to monitor key standards like hours of service better

5. Vehicle availability

It happens frequently: Trucks get recalled and vehicles require maintenance regularly. Upfitter schedules can keep vehicles out of service. These inconveniences cause delays in your business, placing more stress on you.

One solution fleet management companies are using is bailment pool programs.

With fewer fleets doing their own upfitting, more companies are turning to bailment pools these days as a smarter alternative to keep business moving.

The above article highlights five changes coming to fleet management in 2017.

What other changes do you see coming down the pike?

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5 Car Gadgets You Shouldnt Be Driving Without

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Think your car comes with everything you need right off the lot? Think again. These car gadgets are sure to improve your driving experience and your budget.

There are hundreds of capabilities youd love that are unavailable in standard models. But upgrading your vehicle at the dealership costs thousands of dollars.

In 2018, car gadgets are more than add-ons. They take your modern car into the future world of driving.

Digital Trends says, In our digital age, there are hundreds of gadgets to enhance our daily driving experience and help us streamline our day-to-day tasks.

Why wait for 2020? With car gadgets, the best of future driving is here today.

5 Essential Car Gadgets for the Future Driver

You dont have to be a technology buff to be a future driver. The best gadgets are simple enough for anyone to use. If you feel theres something missing in your driving experience, there is sure to be a gadget for it.

Its time to improve the efficiency, safety, and enjoyment of your driving. Weve selected five of the best gadgets for you to get started.

1. Dedicated GPS Navigation Device

Dedicated GPS navigation may seem outdated. But youd be surprised what youre missing by using your mobile device.

First, your phone wasnt designed for navigation. Smartphone screens are small, and they often overheat. Receiving a call or even tapping your device can drop navigation as well.

Dedicated devices dont have these problems. Without all of the backend processes of smartphones, theyre much more responsive as well.

2. Dashboard Camera (Dash Cam)

Dash cams are becoming increasingly popular. There are two main reasons: security and liability.

If you have a break in, a dash cam will record what happens inside the car and out. Dash cams will also film an accident, providing evidence that holds up in court.

3. OBD2 Scanner

An OBD2 scanner is the most common-sense car gadget on the market. These scanners communicate with your cars onboard computer to identify problems in the system. Who wouldnt want that in their car?

Not all OBD2 scanners are made equal. You can compare best selling OBD2 scanners to find the device thats right for you.

4. Mifold

Child seats arent on the top of every car gadget enthusiasts list. But if you have kids, wouldnt you like the safest, simplest, most ergonomic car seats in the back?

The Mifold is an advanced, compact booster seat. Its a high performer in child safety. And its ten times smaller than a regular booster seat, so no more strained backs for Mom or Dad.

5. The Smart Wheel

The Smart Wheel is one of the coolest gadgets on the market. This smart steering wheel prevents distracted driving, one of the greatest dangers to drivers and pedestrians alike.

The device snaps onto just about any steering wheel. It detects distracted habits and warns the driver of the danger.

You can even track your driving habits by connecting to your smartphone. Build an improvement plan based on the results. Its the best non-human copilot youve ever had.

Drive Your Brand Forward

The world of car gadgets is a crowded market. But successful brands are distinguishing themselves in these five areas all the time. Think Garmin.

Are you ready to distinguish your brand? Want to start converting leads into sales? Sign up free with Article City for the best in contact marketing for your brand.

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5 Best Countries You Can Migrate To

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Did you know that the number of international migrants reached 244 million in 2015, a 40% increase from the year 2000?

Immigration is not a new phenomenon. This international movement of people dates back to the pre- historic days. That was when Homo Sapiens who occupied all of Africa about 150,000 years ago, moved out and settled across Australia, Asia and Europe by 40,000 years BCE. This was the first human migration. Afterwards people started immigrating around the world in search of work and better livelihood.
With the entire world converging into a global village, thanks to the technological advances, the usual woes caused by immigration is all handled with ease. You can catch up with your family and friends over free apps such as skype, viber, and facetime etc. Infact, you can even send money instantaneously via trusted international money transfer houses. So, put your worries to rest, and get ready to realise your dream for good life.

Well take the liberty of helping you out with 5 best countries to migrate.

Denmark

Declared as the happiest place on earth, by UN World Happiness Report (WHR) 2016 for the third time consecutively, Denmark is a great place to live and raise children for any expat. As citizens of one of the least corrupt countries in the world, the Danes value individual freedom, time and democracy. The education system is one of the best in the world. The Danish public schooling is financed by taxes and therefore free of charge. The Danes do not consider failure and dishonour to be synonymous, hence there is always an encouraging healthy competitive environment. This is a great motivator for all adults and children alike. With a great work-life balance, offices and work are quite inspiring. The most flourishing industries in Denmark are Pharma, Biotechnology, Energy and Construction.

Germany

Germany has been ranked as the best country to live in the world, according to new analysis unveiled at the World Economic Forum 2016 in Davos. Its strong economy, top quality public infrastructure, and high standard of living and education has made this nation a preferred location for prospective migrants. If you wish to work in industries such as Healthcare, Telecommunications, Aerospace, Automotive and Mechanical Engineering, Steel and Metals, and Optics, then Germany is a country you should consider.

New Zealand

A peaceful beautiful country with lowest pollution and crime rate, New Zealand is a country you should have on your bucket list. The Social Progress Index (SPI) 2016, has ranked New Zealand as the world's 10th most socially advanced country. It was also ranked 4th most tolerant country, due to its open and liberal attitudes towards immigrants and religious minorities. The Kiwis believe that life is for living and maintain great optimal work-life balance. The native Kiwis are known to be very warm and welcoming to foreigners. In the 2015 Expat Insider survey, 94% of respondents said they found Kiwi people friendly or very friendly. The best flourishing industries are Agriculture, Energy and Telecommunications.

Canada

Canada has been voted as one of the best countries in the world for skilled migrants by UNs annual Human Development Index (HDI) 2015. With one of the highest immigration rates in the world, Canada has admitted over 250,000 newcomers a year, which is close to 1% of the population for the past two decades. Its governmental policies, advanced economy, GDP, high standards of living, world class cities, quality of life and excellent infrastructure facilities are reasons why you could consider Canada for your next stop. The best opportunities exist for professionals in Information Technology, Energy, Agriculture and Manufacturing.

UAE

A whopping 84% of people in this country are foreign-born (according to the Migration Policy Institute's review of UN estimates 2016). Declared as the city with the best quality of life in the Middle East, according to Mercer's 2016 data, Dubai is a paradise for expats. The UAE also ranks as one of the best countries in the world for career-oriented women, according to newly released data from the HSBC Expat Explorer survey. The best thriving industries are Construction, Energy and Telecommunications.

Now that you know about the best countries in the world to migrate, go ahead and get ready for the good life youve always dreamed of. Life is either a daring adventure or just nothing!

5 Athletic Books For the Fitness Freak in You

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With all that time youve been spending in a gym, theres likely a muscle youve been neglecting your mind!

Yes, your mind grows stronger when you challenge it, just as your muscles do. Reading books, especially fiction, is an easy way to strengthen neural connectivity in the brain.

Whether youre a fiction-lover or prefer nonfiction, cracking open a book to flex your brain muscle is always a good idea.

If youre looking for some reading ideas, check out our list of athletic books!

Born to Run, Chris McDougall

If you are a runner or looking for inspiration to run, you need to read this book.

McDougall, a foreign correspondent for the Associated Press, was always an avid runner. When he started experiencing knee pain during his runs, he wanted to learn more about different running tools like compression socks and special shoes to help alleviate the pain.

What he unearthed was a tribe of super-runners, the Tarahumara, in the Mexican mountains who ran with only old tire treads strapped to their feet. McDougalls research took him all over the world to discover why and how humans are simply built to run. Its a book youre guaranteed to not be able to put down.

The Boys in the Boat, Daniel James Brown

If youre more historically inclined, this ones for you. The Boys in the Boat tells the story of the mens crew team at the University of Washington that went on to compete in the Berlin Olympics on the brink of WWII.

The book tells the stories of the gold-winning crew who came from shipyard and logging backgrounds. Youll notice the heavy themes of teamwork and perseverance laced throughout the book.

The Blind Side, Michael Lewis

Michael Lewis has a fantastic knack for storytelling. The Blind Side tells the real store of Michael Oher, an African American boy who is taken under the wing of a football-loving, wealthy white family.

Michael starts to play football and realizes hes the perfect package of speed, size, and agility to be an offensive tackle. His job protect the quarter backs blind side.

This one makes our list of athletic books for its message of persevering even in the face of adversity and giving it your all every day.

Thrive, Brendan Brazier

This book is for all the vegetarian athletes out there. Brendan Brazier, a lifelong triathlete, wrote Thrive to explain how clean eating is a suitable diet for athletes.

His passion for a plant-based diet not only led him to write a book on the topic but also to founding Vega Sports Performance Products. Hes on a mission to prove clean eating can fuel all kinds of athletic activity, including building muscle mass.

The Obstacle is the Way, Ryan Holiday

The Obstacle is the Way is a great book to read if your perception of your limitations is holding you back in your workouts.

This book draws on the Greek idea of stoicism. What you learn is to focus on things you can control and to let go of everything else outside of your control.

While it doesnt necessarily fit in with our athletic books, its a great reminder that your mind might be blocking you from making the next breakthrough in your sport.

Athletic Books FTW!

Whether you consider yourself an athlete or not, anyone can find inspiration in these athletic books.

Of course, there are plenty more books to discover to inspire your physical or mental athletic game.

So, get to reading and find all new inspiration to throw on your workout clothes. Youll be amazed by how much motivation you have now that youve flexed your brain muscles!

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5 Advantages Of Car Leasing For A Stress-free Experience

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When it comes to maintaining our lifestyle, owning a car is a requisite. However, its not always possible to buy a car to be at par with our elevating needs. Yet, if you want to possess a car that is otherwise out of your price range, car leasing presents the best solutions. It allows you to pay for your vehicle without any down payment or monthly deposit.

More about Car leasing:

Car leasing is a rental agreement where you pay a monthly fee for the required number of miles over a selected time period. One of the main benefits is that you can select a new model every few years. This is an ideal option if you are someone who is easily bored. However, it also means that you never own a car unless you buy it after the completion of your agreement.

The best part of leasing is, you can choose from a diverse range of car models and brands. You strike an agreement with the leasing company on the amount to pay every month, miles you will drive and the period of time for leasing the vehicle. Also, you can choose your monthly payments inclusive of the maintenance cost.

Types of Car Leasing:

There are two types of leasing personal contract purchase and personal contract hire.

Personal Contract Purchase

Personal contract purchase (PCP) offers the option for buying the car at the end of the agreement. A deposit is paid along with all the monthly installments. Once it comes to an end, the final balloon payment is made, based upon the value of the car. The best part is, you can partly exchange your car for a new model or completely hand it back.

Personal Contract Hire

Personal contract hire allows fixed payments every month. It is based on the expected value reduction of your car it is the cars present value and the value after the agreement ends. This means your monthly payments would be lesser if you select a car that holds a value. It lets you choose a stylish car as well.

Advantages of Car Lease:

Car leasing has some great benefits that most of you are unaware of! Lets have a look to understand in a better way.

Lower Payments

Buying a car right away might require an added interest for a car loan. In that case, individual monthly payments are way cheaper to opt. The fixed monthly payment can be planned as it is easily manageable. So, when you lease, you are required to pay for the difference between predicted price and purchase price of the car when the lease ends it is known as residual value. It is a cheaper version that offers the flexibility to afford an expensive car in the same monthly budget.

No Deposits

Car leasing with no deposits lowers your monthly pay outs. It might not be your requirement but no deposit leasing is open for all. It frees you of the deposit saving trouble while helping you get the car sooner.

Hassle-Free Value Reduction

The loss of your vehicle with time is one of the expensive parts of motoring. It is the reason why people focus on the residual value to calculate the worth of their car while selling. But, when you lease the car, this responsibility is taken by the finance company, thus leaving you stress-free.

No Bad Credit Issues:

While trying to procure a loan, bad credit is a big obstacle. However, it is not a requirement for car leasing. Therefore, people with a bad credit score can also opt for a car lease.
Upgrade Frequently:

With the changing technology in automobiles, you might feel your car is outdated. However, leasing can actually help you get a new car every two-three years. Also, it is a cheap and simple option than buying a car and sticking with it.