Monday, June 12, 2017

4 Things You Think You Understand About #Money But You Really Don't

Money is a strange thing. It's something that we all deal with daily in one form or another. But few of us are actually experts on it. Which is kind of silly really because then we have to pay people like accountants and financial advisers to get advice on what to do with it! But most people don't even do that. In fact, most folks are so unaware of how little they know about handling their own finances that they believe they are dealing with their money it the right way.  When in reality nothing could be further than the truth.
How to budget
One area in which folks think they know what they are doing, but often don't is budgeting. It's the kind of thing that we see as a pretty basic skill. Yet so many of us get this wrong every month.
In particular, not budgeting for everything that you need realistically is something that a lot of folks are guilty of. It's easy to write down all of the basics like food, rent, and electricity, and then forget all about bits and bob that seem more frivolous like toiletries, that new suit you wanted for work or some car polish for your wheels.

fashion-1835871_1280.jpg

But the thing with budgeting is that it needs to be authentic. That is that it reflects everything that you will buy and that you can't do without.

For example, you may need that suit for an important meeting at work. It's not an essential regarding your life won't end if you don't have it, but also there is a good chance you will buy it this month. That means leaving out of the budget just because it isn't essential, is unrealistic and it will throw your figures off. Meaning you can easily lose track of your budget and get into debt.

purse-1359848_1280.jpg

A more realistic budget would include the suit, and may even include adjustments to other things that will help offset the costs of it. Budgeting in this way, you will have a true representation of where your finances are.
Then you will be able to make other financial judgments that are beneficial. Not one that is based on a skewed view of what is happening. Something that can go on to lead to a spiral of financial problems.
How to consolidate your loans

Something else that folks think they understand well and don't is how to consolidate their debts properly.
Debt validation is a term for the activity of paying off multiple debts with a single loan. The idea is that one debt is more easy to keep track than lots of loans. So then you don't miss payments and end up incurring late charges. It is also designed so that the single payment will be more affordable for you. Freeing up more money that can be included in your everyday, monthly budget and so increase your quality of life.
However, the biggest mistake here is that some folks don't do their research before they agree to a consolidation loan. They use the first company that they come across on the internet without doing their due diligence, and that can lead to problems.
It can mean that instead of finding a reliable company, they end up signing up with an unreliable one. One that can change the interest rate on the loan willy nilly. Or one that has a poor customer service rating. An issue that always makes dealing with the financial issue even harder than it already is.

contract-1372189_1280.jpg

The key here is to know who you are signing up with and exactly what you are signing up for. Read the information that each company provides you, including the small print, and all online reviews of the service that customer like yourself have received. Then you can be sure that you are picking the best one.
How to save on shopping
Most folks think that they are clever if they go for the buy one get one free deal when shopping. They think they are saving money this way. But nothing could be further than the truth.

In fact, it's just a clever psychological ploy to sell you things that you think are reducing the cost of your shopping. While all it is actually doing is convincing you to purchase products that aren't on your list and that you don't really need.

grocery-store-2119702_1280.jpg

Shopping the offers only works if you need that product anyway. Otherwise, It's just a waste of time and money. In fact, there are much better ways of being frugal with your shopping.

One of those is to never go food shopping when you are hungry. This is because it's so much easier to get distracted by all of the delicious treats that are on display at the supermarket when you are feeling peckish.
It can also help you to save money if you plan your meals in advance and take the list with you. Then you only end up going down the aisles which the ingredients you need are in. Hopefully missing out the more tempting but nonessential products that can raise your bill.

Or even better why not order your shopping online and get it delivered? This is the most extreme way of ensuring that you only get what is on your list. If you can get a regular payment deal on the delivery charges as well, it can end up saving you a fair bit of money off your weekly shop.
How to increase your wealth
Lastly, most people are under the belief that they know how to increase their wealth and economic value. But is this really the case?
If you needed to double your wealth in the next ten years, could you do it? Well, most people would say yes, and promptly look for a promotion or a new job. But what if that wasn't part of the mix?
In fact, there are ways of increasing your wealth and that have nothing to do with employment and working in the traditional sense of the word. These include being savvy with your savings and looking for the highest interest rate, giving you the best return.

new-home-1600663_1280.jpg

Or it could include taking some of your capital and investing it in things like property or stock and shares that you hope would increase in value over time.

2017 Father's Day Gift Guide


This year Father’s Day falls on Sunday June 18th. It's of course a special day when you can commemorate the love you have for that special person in your life, your Dad.




Fathers deserve to have a day when they can relax and have their loved ones show them how much they care. Sometimes it may be difficult to find that perfect gift that dad would like. I’m sure Dad though will like whatever you decide to give. But if you are looking for some ideas, then here is a list of suggestions that I am sure any Dad would love:


 


Camp Casual-





-100% heavy duty ceramic mug
-Robust size at 15 oz.
-Perfect for those large cups of coffee, hot cocoa, or even soup!
-Microwave and dishwasher safe


This is the PERFECT gift for this Father’s Day so Dad can have an over sized mug to drink all of his coffee out of!



Rapala Fisherman's Multi Tool-



  



Rapala, the most trusted name in fishing, has a wide variety of tools and accessories that are made by fisherman, for fisherman. These tools, like the Fisherman’s Multi-Tool, will help make Dad’s time spent on the water effortless. This recently released accessory brings anglers’ most frequently utilized tools together in the palm of their hand, making it the all-in-one accessory that no angler should launch the boat without. The tool includes a retractable line scissors, a retractable jig buster, a multi-size line threader, beverage wrench and handy carabiner clip to keep it where you want it at all times. 




Big Bang -


Some have described Alfred Peet as the “big bang”* of craft coffee – the one who started it all. When he set up shop in Berkeley back in 1966, he transformed America’s expectations of the depth, body and flavor in Peet’s cups. And that pursuit of greatness has never stopped. In celebration of their 50th year, Peet’s is honoring his legacy by taking a bold step ahead. Like Mr. Peet’s pioneering dark roasts, the new signature blend expands the horizon of what coffee can be: vibrant, full-flavored, boldly original, and roasted to medium-bodied perfection. This blend is crafted from some of the same premium coffees, as Major Dickason’s, but with a twist, thanks to the heavenly, aromatic citrus of Ethiopian Super Natural. It’s the perfect coffee to honor the man who still inspires Peet’s every day. Perfect for gifting dad this Fathers Day.



EasyOn Gutterguard-



Fathers no longer have to get on the roof or a ladder to clean out their gutters with EasyOn Gutterguard. It’s a professional grade DIY stainless steel gutter guard that truly keeps out leaves, pine needles and roof sand grit from your gutter. It’s also patented and the only gutter guard in history to be UL Certified for rainwater harvesting. It’s easy to install and will fit on any gutter and roof type. Available on Costco.ca. Just search for "Easy On".


Moonrays-


Solar Wall Clock & Thermometer


Now dad will now what the temperature and time is, night or day, while he's busy spending time outdoors, with this lighted garden clock.



Sunshine wall art will provide and elegant point of interest on patio walls or fences. A smart way for dad to add a focal point to his favorite spot in the yard.



Fairytale Brownies-





He’s always enjoyed the simple pleasures in life – family, fun and food. Remember Dad this Father’s Day with a simple, but delicious gift of dark chocolate brownies from Fairytale Brownies. Fairytale bakes 12 flavors and three sizes of brownies, six flavors of blondie bars and six flavors of cookies. All of the products are individually wrapped, so Dad can take his treat fishing, golfing, biking, hiking, or lounging on the couch.

If Dad is particular about preservatives, Fairytale Brownies has it covered – there are none! Because of this, he’ll need to put any unused treats in the refrigerator or freezer so they’ll stay fresh until he can eat everything. If asked nicely, some Dads will share their treats and as a result, there isn’t anything left to refrigerate.

Order your brownie gifts now for Father’s Day delivery (Father’s Day is June 18): www.brownies.com

The Father’s Day Dozen, $42.95




The Coleman® Hyperflame™ Fyrecadet 2 Burner Propane Stove-






TREAT DAD TO THE GIFT OF OUTDOOR CUISINE!

Add flavor to your outdoor and campsite cooking with this portablpropane
powered Hyperflame™ stove! Coleman stoves and grills bring the heat wherever you go, bringing your kitchen outdoors. Try making hamburger, steaks and scrambled eggfor younext outdoor adventure.

HyperFlame™ Fyrecadet 2-Burner Propane Stove
                                                                                                                                         
·       Innovative burner design reduces the flames exposure to the wind
·       Windblock™ pan supports and helps block wind from all directions
·       Uses swap top interchangeable cooktops such as grill grates and griddles (sold separately)
·       Fully adjustable, independent burner controls to cook from simmer to boil
·       Removable pan support and aluminized cooktop for easy cleaning
·        High output 11,000 BTU per burner

·        Available at Walmart $149.97 Cdn




HoMedics- 





The HoMedics® Comfort Pro Elite Massaging Vibration Wrap with Heat delivers a vibration massage to loosen dad's tight muscles. The integrated control will put dad in control of his massage experience. The soothing heat provides comfort for tired muscles, while the soft, plush fabric adds that added comfort.


 Folgers® Coffeehouse Blend -



Folgers Coffeehouse Blends is an inexpensive gift for Dad because it offers a bold, distinct coffee flavor that Dad can easily make at home using his preferred method of brewing.


·         No matter how your dad makes or takes his coffee, with Folgers® Coffeehouse Blend you can add anything to it and brew it any way, and still taste the coffee.
·         Treat the coffee-loving dad in your family to the Folgers Coffeehouse Blend coffee suite, complete with new Folgers Coffeehouse Blend, and some favorite ways to enjoy it with a French press and an array of creamers and sweeteners.
·         Folgers Coffeehouse Blend is a medium-dark roast designed to produce a unique coffee experience that starts off smooth and ends with a bold, distinct flavor.
·         It is the perfect blend to prepare with all the new and trendy brewing methods like Pour Over, French Press, Cold Brew OR your faithful automatic drip coffee maker and Keurig® brewing system.
·         With a blend this versatile, coffee fans alike can create – and explore – their favorite brewing traditions 


Lasko’s Pro-Performance Pivoting Utility Fan-



Lasko’s Pro-Performance Pivoting Utility Fan is ideal for dads that love outdoor grilling because it’s flexible and powerful! The pivoting blower will deliver high velocity air flow to dad while he’s on the steaming grill to keep him cool outdoors. With the fan’s pivoting feature, outdoor guests can also feel the cooling breeze during those sweltering summer months. The fan also comes with a ten-foot cord and a grounded plug, perfect for the active dad that not only grills, but works out, hangs outdoors with the kids, or chills in his man cave. In addition to these perks, Lasko fans come in various shapes and sizes and include blade-less fans, oscillating fans, and table-top fans—each saving dad a potential 10% in energy use!



*** Watch this site for more upcoming gift ideas.

Boost The Look Of Your #Business' Brand Without Blowing Your #Budget


Whether you run a small business, you’re a freelancer, or you work for yourself, you know the importance of having a good looking brand. You know you need to look as professional as the big guys if you’re going to attract the kind of clients you want and need. But how can you compete with the corporate machines if you’re on a budget? Because while you make ends meet, sometimes it’s touch and go. The future’s looking bright, but for now, your budget is certainly on the tighter side. If you need a bit of a hand with your budget, read this post. You might be doing something a bit daft, that could be costing you a fair amount every month!


Luckily there’s plenty of ways you can help boost the appearance of your brand, without spending an excessive amount of money. Here’s a few things to get you started - and if you have any suggestions, let us know in the comments below.

Create a professional looking and sounding website

In this age of digital, you can’t underestimate the power of a brilliant website. It’s often the first place your potential and existing customers will look. Now, people are more likely to see your site and find information out on there, rather than calling you up. So, you need it to look smart and sound smart. If design and writing aren’t in your skillsets, you should pay professionals to do it for you. It’s a small investment now, but it will bring you plenty of business. If the writing on your site is hard to understand, and the site itself looks messy, people won’t trust you - so it’s vital to get this right. Here’s a good guide to choosing the right copywriter for your business, and here’s one to help you find someone to design your website.

Align your look across everything

From invoices and written communications, to t-shirts and diaries, everything that comes from your company should look the same. When your website is designed, you’ll be able to have a logo mocked up, unless you have one already. So, use this logo on everything. Have your diary personalised, and all your letterheads, envelopes and email templates. This isn’t a huge thing to change - but it will help you rival big companies in terms of looking professional. Companies like Giftsin24 will help you personalize your stash, with no stress.

Play around on social media


Just like having a website is important, so is having social media accounts. People don’t really call places up anywhere. They’d prefer to message you on Facebook or Twitter. And plus, it’s a great way to grow your customer base. By posting interesting updates, blogs and images, you’ll be able to attract and engage with lots of new people. You can do your own social media work, you might just have to allocate a certain amount of time to do it every day. SocialMediaExaminer.com has a great guide to social media for beginners - study it, and start putting it into practice! It’s a good idea to have a play around on ‘private’ mode or before you have any followers, just in case you make any mistakes to start with.