Blog Blog Copyright by en Sat, 04 Dec 2021 20:55:52 -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
Ways You Can Land Up With A Job On Instagram And Establish A Proven Career As per the report and survey from, by the end of 2018, there is going to be 100 million Instagram US base users. From some of the real people like you to some of the brands and companies, everyone will be part of this session. There are various big companies like AT&T, who are actually turning to this social media for promoting their cultures and even their open jobs. Now, the main question is whether people actually are using it or not. Are they actually using it to get any job done? With Instagram by your side, you can always respond with one resounding yes to the question.  With more than 800 million active users and the numbers are counting, IG users will always prove their love towards this platform.

Lucky enough for you:

Fortunately, most of the job searchers are not actually using Instagram for finding a job. This is probably good news. There are so many recruiters and companies out there that might want to hire you for your skills. Recently, a post at Classy Career Girl stated that they hired an intern known to be quite interactive with them on social media, mainly Instagram. She is well-aware of her stuff so the company offered her internship for a year after checking how much she has interacted with the company, shared their articles and mission with her followers as well. So, it can be pretty much stated that people are getting hired on IG and on a daily basis, surely.

Steps to get yourself a job:

Is this your very first attempt in getting a job through Instagram? If so, then you are not quite sure of the options you have to follow for the same. Therefore, you can try out some of the best steps from Gramblast to get yourself a job on Instagram. These points are already proven to be the best in this lot and you can try it out on your own to believe its values more.

Have to start by creating a professional Instagram account first:

First of all, there is no other way but to create an account first. In case, you already have an account and you have some photos, which are not that suitable for the employers or the recruiters to see, it is always recommended that you create a second account under your name. In this way, you do not have to worry about any of your embarrassing photos and can keep your profile professional and classy as you have asked for it. It is quite easy to have two separate accounts because of the recent changes IG made. You need to click on settings and check on “add account” option. You can quickly go between professional and personal account while posting content.

  • There are some other ideas for you to consider. The first option is first name last name. If this is not available anymore, you can always do first name_last name.
  • For the second option, you can go for the basic of “your profession and name.”
  • The third option is also rather simple for you to follow. That is going to be your brand name, which is the classic and basic of them all.

Work your way out for creating professional bio:

For the next step, you have to create short and compelling bio about who you actually are and the type of work you plan to do. In case, you have any professional account and also searching for job, it is always recommended that you have to add that you are in the lookout for a job. A proper and good promising tip over here is to use the LinkedIn summary for the one on IG as well. The best part is that the bio link can be directly added to the LinkedIn page or even on the blog or online profile, in case you have one.

Make sure to create content to be shared:

It is in this regard where you have to set yourself apart and really start using Instagram for getting a job. If you want, you can always create your IG resume. You have to be sure that the top 6 photos are always related to your career because the people of your companies will be checking out profiles if you are planning to interact them on the IG platform. There are some ideas of pictures, which you can try to post on your IG account.

  • You can try adding some of the motivational quotes or texts. You can even place some advices that you have about your current industry in the quote images. You can further check out Wordswag application for easy way of performing this option.
  • You can place some videos of just demonstrating the items right on your resume. You can even add videos of some other people saying how amazing you are as a person to work with.
  • You can share photos of you working, photos of the firms you have already worked with and photos of you at events and conferences. It will add that sense of professionalism to your profile and you can work out on that. You can add photos of you accomplishing goals and even dreams in personal life like running marathon and more.

These are some of the kinds of photos to be used in your account and things will turn to work out pretty well for you. In no time, you can grow your business to a completely new level.

Follow some targeted companies and expand network:

Mist list of all the companies where you are planning to apply for or companies you hope to work in future. Then you need to follow them. You can easily Google the name of the company with Instagram. The firm’s IG page will be the first result. Or you can just use the search box in the IG app for the company’s page.

Following these points will surely help you to land a job on IG. So, establishing a positive career is not a big deal anymore!

Uncategorized Editor Wed, 19 Dec 2018 08:56:50 -0500
Christmas decorations on a budget It’s that time of year to deck the halls with boughs of holly and get everyone amped up with some Christmas spirit! As much as decorating your house for Christmas makes for one of the most exciting parts of the festive season, controlling your decoration budget can be tricky especially when wanting to splurge the place with glow and glamour without having to reuse old, dingy decorations.

These Christmas decoration tips will give you the best chances of working within your budget this festive season!

1. A pre-lit Christmas Tree

It is a widely known fact that the heart of every Christmas celebration surrounds the Christmas tree. Instead of fussing overly about the Christmas tree and buying specific ornaments for it, consider getting yourself a pre-list Christmas tree to take away the hassle of cost and pressure.

Target offers great deals on pre-lit Christmas trees that can be as cheap as $5!

2. Purchasing ornaments in bulk

Some of us feel that a Christmas tree isn’t complete without some ornaments and baubles on it. Unfortunately, these individual decorations can add up in cost when purchasing them separately. Reduce the cost significantly by purchasing them in bulk such as in a pack of 20 smaller ones which will end up costing less.

3. Know where to buy your lights

Avoid being the Grinch of your street and dress your home with Christmas lights to truly give it the Christmas vibe.

With great light comes great price… unless you know where to buy your lights! A quick shop at Catch or MyDeal could save you heaps without breaking the bank on your Christmas decorations this year! If you’re lucky, you could even snag 50% off deals with a ton of cheap options!

4. Table Dressing

No, we don’t mean sauce! A great way to spice up your dining area is to throw on a Christmas table setting such as some wonderfully in theme napkins and a centrepiece to act as the icing on the (fruit)cake!

5. Grab Yourself a Santa Sign

Instead of waiting up all night for Santa to come by, why not bring in the big man himself by grabbing a Santa sign dedicated to him? You can grab yourself a great deal if you know where to look at, think Target, MyDeal and Catch.

6. May the Wreath be with you!

Naturally, wreaths make a great start to your Christmas decoration hunt especially considering how all the traditional Christmas movies never fail in displaying one. The downside to the popularity means wreaths are also often some of the most overpriced decorations you could land yourself on Christmas.

To counter falling for expensive ones, give yourself ample time to shop around online and in places like Kmart or Target.

7. Cheap personalised stockings

If you’re feeling artsy craftsy, you could get yourself some cheap plain Christmas stockings for around $5. If you’re not too big on the DIY and would rather have Christmas season be more “done for you”, you could still snag yourself some Christmas stockings for under $15.

Not only do these look sweet hung up by the fireplace (or simply a wall if you don’t have one), it’ll also keep everyone from fighting over who gets what for Christmas this year.

Hopefully, these 10 Christmas decorations tips on a budget will help you out this wonderful season. Oh, and before you forget, don’t miss out on the opportunity to play a part in your Christmas decorations! After all, Christmas comes with the charm of people, and nothing beats amazing Christmas vibes than a decorated you!

There are plenty of options for Christmas costumes that are well within a good budget to make yourself look more festive this season. It’s always fun to explore different options for bringing Christmas to life this year!

Article provided by Blossom Costumes

Uncategorized Editor Mon, 03 Dec 2018 02:12:14 -0500
How Many Solar Panels Are Needed For An Efficient Home               Solar energy is an exciting alternative way to power one’s residence. Although the technology itself is not new, the technology and availability has improved continuously to make them within reach of many end consumers. While it is difficult to estimate, as a general rule, there are some guidelines which professional use to help determine the quantity of solar panels.

              It is also important to define your goal of solar panel use. Those who wish to replace traditional power sources and those who wish to supplement their normal use can use different numbers of panels.


              The number of panels depends on many factors, one of these is square foot. All other factors being held equal, 1 panel could power about 100 square feet. This means a home of 1000 square foot would need 10 panels, and 2000 square foot 20 panels. This again is only rough estimate since many things can affect this number. The size of each panel in the USA is usually about 5 feet my 3 feet. So, the number of panels necessary to properly power a home can consume a lot of space.

              Power consumption varies from family to family and house to house. A single individual at work most of the day in a 2000 sq. ft home would need far less than a family of 5 where one parent stays home with a child. The use of TV, the refrigerator, air conditioners etc. all consumer power and different families can have very different kilowatt usage.

              Sunlight, since it is the source of energy for solar panels, is essential to efficient panels. The direction the house is facing alone with the slope of the roof are factors in the construction of the home that affect sunlight availability. Also, there are external factors like nearby building and trees that might block sunlight. Different geographic regions in the world also receive different amounts of sunlight. There are maps and tools online to determine how much sunlight your area receives based on historical data. In the northern hemisphere the panels and roof should usually be south facing. Solar energy has walked a long road in recent years and as technology is improving less and less panels will be required.


              The news is out: Home Solar technology has peaked in recent years. Photovoltaic panels are one form of solar panels that can be used. These types of panels convert the solar radiation into an electric current which is then used to power the home. These are the more expensive option because it converts one form of energy (solar) to electric energy.

              The second form of solar panels are solar thermal panels. This technology uses the direct sunlight to heat a fluid held in a closed system of tubes within the panel. This is directly transferred to water tanks and used as a hot water source for the restroom and kitchen. This type of panels only heats the water in the home, but water heaters are a serious consumer of electricity so significant savings are possible.

Uncategorized Editor Thu, 17 May 2018 09:38:50 -0400
Reasons Why You Need A Technology Detox

When was the last time you used your free/ idle time to read, talk a walk, call a friend, or even nap, instead of turning to your phone or computer? Do you remember the last time you went outside because you felt the need to and your social media feed didn’t hold you back?

Let’s face it. Even though technology has changed the way we do things, increasing efficiency in different areas of life, it is also zapping the life out of. More cases of teenagers with depression and other mental issues are on the rise, not to mention the dwindling productivity of even a leading car accident lawyer Surrey because of social media addiction.

If you find yourself exhausted even after spending hours watching cute cat videos, or if you are under numbing levels of stress, it’s time to take a chill pill.

If you are unsure whether you need a technology detox, answer these questions?

  • Do you spend more time than you intended on social media?
  • Do you feel dissatisfied or even guilty afterwards?
  • Is FOMO your biggest motivator?
  • Do you get uncontrollable urges to check your phone?
  • Are your days too short to get everything done?

Well, if you have answered yes to one or all these questions, then you need a tech detox.

Here are the other reasons why you need time off from technology.

  1. You will get back to the moment

A few days without technological gadgets will stop the constant anxiety and overwhelming stress levels. The sad part about being on your phone most of the time, even in between tasks, is that you hardly have time to reflect or think things over.

Your body is constantly overreacting to the world with technology telling you what is urgent and what isn’t. Do you realize that none of the urgent things on social media do appear in the urgent section of your to-do list? There is your answer.

  1. A break will bring you closer to your family plus friends

Are you aware of everything happening in the lives of your family and friends? Do you feel detached from life? Perhaps it is time to hit the reset button. If you and your friends or family go for dinners, lunches or brunch and you realize that everyone posted something on Instagram or Facebook, then you are all in deep trouble. You can start by committing to putting away phone during meals, family games, and even talks. You will reignite the bonds in your lives

  1. You will meet more people

Did you notice the cute guy standing next to you on the subway? Did you see the new coffee shop at the corner? Chances are, you didn’t because your surroundings don’t matter as much as your phone.

If you have been complaining about not meeting new people, you might want to start by keeping your phone away a few minutes. That person who interrupts you could change your life forever.

  1. You will save a lot of time

How many times do you get home and wonder why you didn’t want a task you were confident you would complete? Go back to your day and take a log of what you need. You will be dumbfounded by how much time you waste on social media. Technology drains time.

  1. Lastly, you will sleep better.


  • Delete social media apps from your phone so that you only access them on your computer
  • Leave your phone in a different room
  • Turn off your phone after business hours or during weeks
  • Turn off notifications
  • Check social media at the end of the day and when exhausted.
Uncategorized Editor Tue, 27 Mar 2018 22:53:09 -0400
Be a More Efficient Driver How would you score your driving abilities these days?

For many drivers, their driving abilities do not meet the standards to be safe on the roads. That said they continue driving. If you’re someone who has great driving abilities, you want to steer clear of those who do not.

So, when was the last time you stopped to think about the type of driver you are?

Make Sure You Adhere to the Rules of the Road

In trying to be the best driver out there, here are a few keys to achieving such a goal:

  1. Know the rules – Of most importance, be sure to know your state’s driving laws. Sure, you may have passed your learner’s permit and driver’s license tests years ago, but things change over time. As such, it is not a bad idea to pick up a copy of your state’s DMV handbook. Read through it to see if there have been any notable changes in the years since you took your driving tests.
  2. React to others – There will be times when you will want to react one to the actions of other drivers. That said do all you can to avoid road rage. All road rage does is have you and others in harm’s way. You are better off turning the other cheek and moving along. Sure, you want to lash out at times, but is it worth it?
  1. Keep focus on the road – Whether your phone or you have a desire to eat while driving, don’t get distracted. It only takes a split-second distraction on your part to lose control of your car or truck. If that occurs, you could end up paying for it in more ways than one. Use your phone or eat your meal after you have arrived at your destination.

Does Your Vehicle Measure up When it Comes to Safety?

Even though your actions behind the wheel are crucial to being safe, your vehicle plays a role too.

For instance, what if your vehicle has any of the following issues:

  • Tires – Are your tires not at the right inflation levels or are the tread on one or more of them all but shot? Either of these problems can lead to an accident sooner than later. Check the tires on a regular basis for wear and tear. Remember, the tires are one of the easier parts of the vehicle to keep an eye on.
  • Brakes – If you hear some squeaking in the brakes, this is a warning that they need some attention. Take your vehicle into your mechanic’s shop and have the brakes checked out. Although it may not quite be time for new ones, at least you are now on alert.
  • Lights – A burned out taillight or headlight is more than an inconvenience. Not only could you get pulled over by the police, you could increase your odds of an accident. Make sure to keep an eye on your lights on a regular basis.

Safety Over Money

If you are trying to save money with your vehicle, be careful how you go about that.

Sure, you may be working off of a family budget.

As it turns out, millions of people do that. That said you do not want to skimp on vehicle needs to save a few dollars here and there. Doing so could set you up for an accident. If that occurs, your expenses could be much more.

Always have your vehicle in prime condition for each time it takes to the roads.

By doing so, you and everyone around you will be safer for it.

Uncategorized Editor Fri, 15 Dec 2017 22:54:50 -0500
Must-Have Travel Essentials to Europe

Travelling to Europe is fun, but all that fun can disappear if upon your arrival you realize that you don’t have what you need to survive in Europe. The secret to packing right is getting innovative and going with small and essential items. Though beautiful, Europe is a little unsafe, and the accommodation plus travel rules of engagement may not be the best. To lessen the effects of the culture shock, pack the following essential items:

  • A multifunctional convertible bag

You need luggage that can accommodate everything you need but small enough to help you maneuver through crowds fast. If you are touring most of Europe, then a bag with straps and wheels will make it easy for you to move from one city to the other or between towns.

Ensure that the bag can carry your passport, phone, wallet, camera, and makeup. You can ask Cosmetic Consultants Canada for advice on the best beauty products that will work well on your skin after considering the prevailing weather conditions in Europe. Your makeup should fit in the bag easily.

You may want to consider getting packing cubes because they will simplify the packing and encourage orderliness. Packing cubes take less space.

  • Camera

There are countless beautiful sights you’ll come across in Europe, and you don’t want to miss them. Just think about it, the Alps, Santorini, the Eifel Tower, and the bridges of Venice. Wouldn’t you want to have photos of all these sites? Get a good camera to take high-quality images. A camera perfectly complements your smartphone camera.

  • Europe Friendly Power Adapter

Don’t assume that you will be able to plug in your Canadian or American power adapter into European power sources easily. To be safe, get an adapter with two pins as it works in nearly every country you will set foot in. The adapters also come with guidelines on how to avoid your electronics in Europe.

  • Travel insurance

Travelling isn’t always exciting, and something may go wrong along the way. Losing luggage isn’t unheard of and getting ripped off by pick pockets is the norm in Europe. For your safety and the security of your essentials, get travel insurance. Travel insurance comes into play also in case of flight delays, health emergencies and in cases of security concerns and you need emergency evacuation.

  • Activated charcoal

This isn’t always in packing lists but knowing how bad travel diarrhea is, you will need it. Though the hygiene standards in Europe are high, you can still get sick from eating unfamiliar food. Why activated charcoal? It will absorb all the toxins in your system which could have caused diarrhea. Recovery is fast with activated charcoal.

  • A water bottle

Wondering why you should carry a water bottle when you can buy it anywhere? Well, it’s all about cost cutting. Even though tap water is unsafe, you can get bottled water anywhere and refilling a reusable bottle is cheaper and reduces plastic waste.

  • The right travel gear

You have to carry flip flops, walking shoes, a quick dry towel, dark jeans and a rain jacket. You should also consider carrying some solid shampoo and a high-quality travel backpack.

Don’t forget to carry a scarf, an umbrella, passport photos and headphones. Don’t carry too much cash, leave unnecessary electronics and expensive jewelry behind and carry few books.

Uncategorized Editor Mon, 18 Sep 2017 22:52:28 -0400
Tips For Securing Quality Tenants Do you have an investment property and are seeking a new tenant? Maybe you’re a first time landlord and are looking for suggestions on the best ways to secure quality tenants that will take care of the property and meet all the terms of the lease. Follow these suggestions from the industry professionals to secure the highest quality tenants.

Prepare the property for lease. You can’t rightfully ask something of your tenants that you’re not prepared to undertake as well. Ensure the exterior of the property has no deferred maintenance or need of painting. Attend to the landscaping by trimming, mowing and updating as necessary. Curb appeal has huge value when renting a single family home or townhouse. If you are leasing a condominium, clean the front door and replace the doormat if necessary. On the interior of the unit, paint all of the rooms a bright, fresh color and steam the carpets, hardwoods and tile as needed. Pay particular attention to the cleanliness of the bathrooms and kitchen. There should be no evidence of prior tenants. Ensure that all appliances, including HVAC are in working order and have been cleaned and serviced.

Take advantage of the savings offered by Groupon coupons and head to Walgreens for basic office supplies that you will need to create a marketing piece to leave in the property for prospective tenants. This flyer should include several photos, room counts, lease terms, and your contact information. Identify the online websites to be used for listing your property for rent. Include multiple photos and a detailed narrative description of the property. The more information you include, square footage, distance to shopping, school district, etc. the higher the chance you will attract qualified prospects that are truly interested in your property.

Prepare a tenant application, terms of lease and actual lease. Have these on hand for showing and be prepared to forward them digitally to prospective tenants as well. Respond quickly to inquiries and be flexible in establishing meeting times for prospective tenants. Conduct basics prequalification on the phone to respect everyone’s time. Best of luck to you!

Uncategorized Editor Thu, 26 Jan 2017 21:59:20 -0500
Planning for Medicaid & A Longer Life Medicaid is complex and confusing. It wouldn’t be your fault if you felt like it was made this complicated on purpose to discourage people from trying to qualify. Lots of people feel this way. To make it worse, medicaid is mistaken for medicare very often. The basic difference is medicaid is for the poor and medicare is for the elderly.

Practically all senior citizens can receive medicare if they’ve paid their taxes during their working years. Though for seniors who do not qualify, they can buy their way in by paying set premiums to the federal government. After reviewing the benefits and you feel that it’s a bit lacking, you can buy supplemental medicare insurance to cover the holes medicare leaves behind.

Back to medicaid. This is a joint program handled by the state and the government to make sure that the poor have access to medical services. Medicaid is regulated by congress and state legislatures. The laws in place have dictated the standards for permanent residents only to qualify medicaid. They do not cover illegal aliens. The standards differ depending on your state but this, along with other concepts, applies everywhere.

Medicaid focused health-care lawyers focus on these programs to provide services to the elderly. Medicaid make sure you are provided a nursing home or receive at home care, which not many people know about. At-home care can be much more beneficial but differs with each state.  

The most commonly known program is ‘chronic care medicaid’. This is when a person reaches a physical or mental state which means they are incapable of activities of daily living or ADL. They are deemed unsafe to live in their home unassisted and require medical assistance.

Please note that Medicare does not cover payment for nursing home care. It pays for skilled nursing care within nursing homes and similar facilities only. This is one of those holes that supplemental medicare insurance can cover for a set period of time.

Seniors that need permanent nursing home solutions have 3 options:

  1. Pay for it on their own

  2. Obtain long term care insurance

  3. Try to qualify for medicaid

If your assets are limited, you will need to focus on that last option. Qualifying for long term medicaid will depend on whether you planned for medicaid in advance or if your current financial state automatically qualifies you for medicaid. In some cases, individuals have worked around lowering their assets in order to qualify while still insuring that these assets are protected or used in a beneficial way.

If you are interested in learning more about that, find a medicaid planning lawyer to help you. There are many ways you can improve your situation more swiftly than you thought and having a lawyer with practical experience and knows their way around medicaid laws in your state can really make things much better for your health and your finances.  You may have more options than you thought with different ways to plan for your future. Call up a medicaid planning lawyer today and discuss your situation for practical legal advice.

Uncategorized Editor Wed, 04 Jan 2017 01:18:15 -0500