Working For Your Pension Plan

A pension plan helps in maintaining the same living standard after the retirement, as prior to it. A workplace pension plan is an investment plan, wherein an employer make a contribution towards the saving fund of his employee. This fund is then invested on the employee’s behalf.

Working For Your Pension Plan, Pension

All the working people must take out time to plan for retirement, even those, who’ve just started their careers. Early planning always returns with high benefits. One can inquire the insurance companies for retirement plans or can even ask about any company pension scheme at his workplace.

Opting for a pension plan provide various advantages like tax benefits because contribution to a pension plan is tax deductible. Unfortunately, if the member die, his or her partner or heir become liable to pension benefits. Moreover, an individual can maintain his living style even after retirement. In company pension scheme, the pension fund doesn’t belong to the employer, and it can only be seized in case of bankruptcy of business.

The UK government has come up with an automobile-enrollment policy, due to pension crisis. Now, all employers are required to arrange a workplace pension scheme for their workers and auto enrol the qualified workers with in the scheme. The qualified workers are those, who’re above 22 years of age, earn more than &pound ;5715 per year and aren’t in any other pension plan. You can also opt out of auto enrolment, if you wish to go for another plan or possible to use the company pension scheme for your future investment.

Auto enrolment scheme allow employers to enrol eligible employees into a pension scheme automatically for the first time. The pension regulator will enforce the new laws. One may have to make some changes in his existing scheme. If you do not have scheme yet then you’ll need to put one up. This is beneficial to pension holders such as getting tax benefits on their earnings. It will apply to all the workers who’re aged above 22 years. Go for a form who’ll provide best company pension scheme at an affordable and possible rates. Experts keep account of the needs and needs of the clients. They offer an outstanding auto enrolment quote to their client.

Employers can either use their own pension scheme to meet these new laws or be based on a government built scheme-the national Employment Saving Trust (NEST) Scheme. This scheme is intended to be low cost and is specifically provided at low to medium earners.

One can get every possible detail about pension scheme from their company website itself. This scheme is proved beneficial for the employer and employee. To have your auto enrolment quote best and profitable from others you need to get a quote by one of the above companies. Rate the best future plan by making a listing of the important features that you want to see in your pension scheme. This si very important decision as it will decide your livings after retirement.

Your pension fund is invested in shares and stocks. These tend to fluctuate. Therefore, your fund also goes up and down. You must analyze the degree of risk and go with a low risk investment.

Get all the details like how your company pension scheme works. Inquire the contribution amount and the amount you’ll receive on retirement. Make sure that your hard earned money is protected.

Ask all the matter with regard to the policy like the benefits that you’ll get on taking out your money, who’ll be eligible for the policy amount, in case of your death.

One can also find answers to his queries by consulting a financial adviser. Many companies are accessible on the internet that provide solutions for workplace pension policy and NEST (National Employers Savings Scheme).


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Condominium Association Reserve

Condominium Association Reserve, BUILDING RESERVE

Building a condo association reserve fund or HOA reserve funds is an essential consideration for condominium and homeowners associations. However, getting the right start is the more important consideration with a quality reserve study, an ideal fund can be built to accommodate maintenance and replacement needs into the future.

Whether you represent a homeowners association or a condo association, it’s important that you understand just how vital reserve studies are to building up the ideal reserve fund for your specific needs. It’s also important to realize that no two HOA reserve funds will be identical. The Federal Housing Authority (FHA) has brought more scrutiny to homeowner associations reserve funds as a consequence of recent mortgage problems. The FHA typically requires a fund that’s at least 10 percent of the association’s budget to be employed on major capital expenditures or emergency repairs. Each situation differs considerably, based on specifics about the site, the development the age and other criteria.

Reserve studies serve as a basis for decision making in regards to reserve funds. Without an accurate, in-depth study made by a reputable architectural firm, you’ll not enjoy the essential information on which to base your reserve funds.

It’s important to figure out what a reserve study should include. First, you should see to it that the study includes an in-depth, individualized inspection of your site, from the ground up (interior and exterior). Many studies only include major components that experience wear, such as HVAC systems or common areas. However, not all architectural firms will include important areas of the property and some firms don’t include important structural items in their study.

Condo properties have a significant amount of shared common areas, as well as equipment and amenities. Your condo reserve study must account for much more than maintaining your common areas. Any condominium reserve study should include a range of other factors, including structural elements like the roof and the property’s foundations. In addition to those areas, items such as HVAC systems, exterior lighting and even playground equipment must be examined in order to give the most accurate picture possible in the area of maintenance, replacement costs, and repairs that you will have to pay for the period of the property.

One of the most important factors to be taken into account in your condominium reserve study is to determine whether the study is customized to your specific property. Some architectural firms use a cookie cutter  approach here. However, that is far from advisable. Every single property differs from every other  you have concerns that may or may not be applicable to a property down the road, much less on the opposite side of town or to another region of the state.

When you need a condo reserve study conducted, it’s vital that you choose an architectural firm known for taking the time to customize that study to reflect your property’s unique needs. There are likewise other considerations you need to make when selecting the firm you will work with, of course.

In addition to a condominium reserve study, you may find that you need a range of other reports based on your situation and specific needs. For instance, you might find that building repair studies are necessary down the road, or that you need bid design documents. You might also find that if new work is needed on your property, you could use a company that can offer construction monitoring. Additional services a reputable architectural firm can offer include transition studies, balcony repair studies, structural reviews, more, and roof leak studies.

As you can see, working with a reputable architectural firm is critical to your condominium reserve study. J. Hershey Architecture can provide you with all the assistance you require, tailored to meet your specific property’s unique situation. If you are seeking peace of mind and the accurate reporting necessary to build your capital reserve fund, this architect can help.

Choosing the right architectural firm is very important the ideal firm will understand from the beginning that reserve studies to create HOA reserve funds should be adapted to the specifics of your particular property or neighborhood. There’s no such thing as a one-size-fits-all reporting method. The time must be made to create a detailed, specific report on the basis of exact conditions present at your property.

The entire purpose of a reserve study is to assign the appropriate resources to a condo association reserve fund (or a fund for your HOA) to be used only for major repair and replacement of essential components and equipment at your property. That won’t be possible without a reserve study based on your property’s exact situation.

When your reserve study has been performed and delivered, you can begin planning your reserve fund. With a study from a high quality architectural firm, it should be relatively simple to start building a fund that won’t only address your property’s maintenance and repair concerns now, but will put you in a nice position for the future.

Condominium Association Reserve, BUILDING RESERVE

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Data Encryption and Cryptography

Data Encryption is a term used in cryptography to identify the process of transforming your data or information into an unreadable format by using a special algorithm known as Cipher that makes your information inaccessible to any person who doesn’t know your correct password or key. This process of transforming information into unreadable format by using a number of well-defined steps that can be followed as a procedure will result in encrypted information or encrypted files which in cryptography called as Cipher text.

Data Encryption and Cryptography, Cryptography

Encryption algorithm is considered to be practically secure and reliable technique to protect your data. Although there are theoretical attacks and some theoretical weaknessesin the cipher, but they’re unfeasible to mount in practice.

Cryptography: More News

In the recent years with the progress of technology, old ciphers have also been replaced by the Advanced Encryption Standard (AES). Furthermore, Data Encryption Standard (DES) has likewise been backed away as a standard by the National Institute of Standards and Technology (National Bureau of Standards).

Data Encryption and Cryptography, Cryptography

Digital certificates are a standard way of binding a public key to a name. In order to give a digital certificate, the data sender must ask for a digital certificate from a Certificate Authority (CA) such as VeriSign. This way, the CA acts as a neutral third party that verifies the data sender is who or what they claim to be. Once this information is verified, the CA can issue a public key certificate for that party to use. The most usually used standard for digital certificates is X.509. A universal standard of this kind is necessary because to send encrypted data, you must know the recipient’s public key.

In cryptography, there are instances where a key is required to be developed specifically for the use of certain special persons, while on the other side some encryption protocols are standardized so that people can easily communicate with each other without requiring any special key.

The requirement of a personalized or special key makes cracking a bit harder as it wouldn’t be a standardized key. The use of these types of personal keys were once thought to be the only means to code data. However, with the establishment of shared key encryption people are now allowed to exchange information about a key across an open network without disclosing the substance of the key itself.

In conclusion, data encryption is now considered as the best way to protect your confidential information because it transform information into an unreadable format that cannot be read without knowing the special key or a password.

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Checking Your Credit Score

Do you require a no credit check loan, but not sure what i’m supposed to do for the best? If so keep reading and this will give you with the information indicating that will help you make the right choices to find the best no credit check loans. You should know that there are more than one class of no credit check loans to consider.

Getting a cosigner to sign a personal loan is another possibility open to students looking for no credit check student loans. This makes the cosigner liable for the loan repayments if you miss payments and cannot make the provisions of the loan. This is a state of affairs that you should avoid at all costs, as it is detrimental to the credit rating of the cosigner so you got to be sure you’re going to make the all the payments until the loan is repaid. If you are after significantly more statistics posted about this topic, pay a visit to; fastest Payday loans online Texas.

The loan market is very competitive and easy loans are common, the process of loan applications and the number of lenders out there means that most borrowers have many options available to them. Easy loans aren’t always the easy option, if you’re considering to conclude a loan agreement then make sure you understand what your commitments are. You should compare the options available from various lenders with the objective of minimizing the interest rate that you’ll be paying. Plan your finances and be sure you’re capable of making the repayments for the entire term of your loan.

Loans are frequently not complicated. It seems there are a number of people looking for easy loans. The principle is simple a lender loans you money with a repayment structure agreed in advance. The quicker than you pay off the money the less it will cost in interest. For easy loans you should make sure that you budget correctly and be sure that you only take out loans that you can afford. Do not over stretch yourself financially and to avoid paying as high interest rates make sure that you investigate the market thoroughly.

The bottom line is this. No credit check loans are a huge threat to the person lending you their money, since they have absolutely no idea if you’ll be in a position to pay them back. So the only people who’ll lend you money without any kind of credit check are going to charge you a huge interest rate, because you’re a giant risk. But if it comes down to it and you absolutely must get a loan without any kind of credit check, it is not as bad or difficult as you might think. You just have to be careful. If it’s too good to be true, it probably is.

There are a bunch of places that take advantage of people, charging you ridiculous interest rates that can make it almost impossible to ever get out of debt. But if you need a no credit check loan, at least be smart about it. Write out a scheme for yourself as to exactly when and how you’ll repay the loan, and make sure you know how long it’ll take until you have paid off the loan.

No credit check loans come with a large liability to the lender. Because they have not run a credit check on you then they have little idea of knowing if you’re going to be in a position to meet the repayments. This results in the loans available having high interest rates dues to big exposure to borrowers who default. But if your only option is a no credit check loan, then it’s easier than you think. Just do your research and locate the best deal available and make sure you see what you’re signing up to.

Digging Up Secrets About Credit Check

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What Is Your Loan To Value Ratio?

The method that mortgage and bank lenders use in order to issue loans on specific homes with a number value is pretty much of common knowledge, though it s unlikely that you’ll hear anything from them during the appraisal and for the loan commitment. It can be a wait that you’re unlikely to ever forget.

What Is Your Loan To Value Ratio?, Loan to Value Ratio

All mortgage lenders have a set criterion that they use to determine whether or not you are eligible for one. This has to do primarily with the ratio of your debts to your current income. But there is a different part of the criteria that uses something different; this other part concerns the appraised value of the home. This has little to do with you.

and if we expand from there..

If you’re concerned in the mathematical equation that is utilized for the loan-to-value ratio, all you’ve got to do is divide the mortgage amount by the appraised value of the home and then jot down the end result as a percentage, as it is how loan-to-value ratios are expressed, as a percentage. Usually the value of the home will be greater than the value of the loan, meaning you should end up with a percentage that is below 100%. A lender is more likely to provide a loan approval with a low percentage rate because it typically has less risk.

Its not out of the matter for a loan-to-value ratio to be greater than 100 %, but would be extremely risky. That means that the value of borrowing exceeds the value of the home, making it very hard for you to sell on without having to pay back the entire mortgage. While a lender is fundamentally in the activity of issuing loans, with a view to make money, they’re most concerned with their interest in the entire transaction and avoiding all and any risks. The past mortgage crises were the result of lenders issuing loans with very high loan-to-value ratios on them.

Loan To Value Ratio, are you kidding?

The rate of interest that any borrower is supposed to have to pay for the duration of the loan is affected greatly by its ratio. The lenders assessment of risk and possibility of foreclosure is used to identify this rate. A borrower may also be taken to purchase a mortgage insurance which will only benefit the lender, particularly if the borrower decides to stop financing it.

What Is Your Loan To Value Ratio?, Loan to Value Ratio

Interest rates are determined on what is known as the term structure of interest rates. Essentially, this mean that, because the maturity (tip of the debt’s life) increases, so must the interest rate to offset the lender for the risk associated with the loan not being paid back. The longer the maturity, the more likely something will happen and the borrower will default on the loan. However, the amount of cash borrowed also determines the loan’s riskiness. This makes sense because the more a person borrowers, the less likely he/she will be in a position to pay it back. Ask yourself, which is riskier, lending $10 to person for a day or lending $100, 000 to someone for thirty years? Both the length of time and the sum borrowed determine the riskiness of debt.

Its very important you are aware that any ratio that exceeds 80% means that loan isn’t saleable on the secondary loan market and thus should be maintained as a portfolio loan. Selling loans to bigger financial institutions is a way that many lenders use in order to produce a profit within a relatively short time of time.

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Help Your Child Study Better

If you improve your study habit, you would realize that you will be able to learn more in less time. A good study habit doesn’t mean that you’ve got to go through every page and tackle every topic, with a view to grasp everything. Improving your study habit depends on how much effort you put into it not only because you’re forced to, but likewise because you really want to.

To make the best use of your study time, do not study with earphones, music or television on. Learning to study in the quiet is an art of its own. Some authors go to a cabin or in place in the attic to be alone. Learn to cherish the quiet. Listen to it. That is how you’ll hear the words that come to you.

Studying can become tedious to most students. Thinking about it, there appear to be better and more exciting things to do outside than staying in a room reviewing books. You can easily get tempted to play games on your pc instead of studying.

Crazy Things About Improving Study Habits

The key to improve your study habit is having the ability to set aside the temptation to do other things and set your mind into reading, understanding and learning. Here are some great tips that can assist you establish a good study habit more easily. In case you’re looking at this topic, surf over to; grade two spelling help at home .

A good way to absorb ideas more effectively as you attempt to improve your study habit is by attempting to break them down into smaller portions. If you have to tackle a difficult topic for a particular subject for the day, dividing them into smaller chunks, and then spending a session just focusing on each one, can help you grasp difficult ideas more quickly. You may look at some study topics and be overwhelmed by what you’ve got to go over. Understanding them in small bits will allow you to take the whole idea a chunk at a time.

how can i improve my study habits?
any ideas.

  • I don't know what level education you're at right now or even if you are addressing this question about school. I'm assuming you are still in school and the following should help study habits for students: Motivate. If you don't have motivation for a specific subject, that's the first thing you have to work on. I don't have any real solutions to that. Just know that education = $$$ in the future i guess (not always true, but it's easier to motivate yourself thinking that way. Well higher education = more $$$ most of the time) Eliminate negative influences around the study area. Sometimes studying with a friend isn't the best way to go, sometimes it is. Just know that with another person, it's real easy to get sidetracked. Don't multitask, TV or music while studying does not work. 30 minutes of solitude seems boring, and it is, but really putting your mind to it without being distracted allows you to learn a lot. Work on concentration. I'm not qualified to talk on this one either, but i'm pretty sure that passive activities can help concentration, which you NEED for effective studying. I'm referring mainly to reading. Reading lots of content in one sitting should improve attention span, it's just that staying put the whole time and focused is the hard part. Meditation can also help concentration (at least it helps me). Basically, relax for a couple minutes a day and think of nothing at all. If you can get to thinking about nothing, you can probably concentrate pretty well. Other than that, I really don't know. I find that study habits are closely correlated with work ethic (no duh!). If you find yourself laboring at being good at anything in life, apply the same ethic you do to making yourself better at whatever you do to school, which goes back to the whole motivation idea. I've got a whole other page if you need tips on working efficiently.

  • Leave study books around the house areas you are comonly in. It's a lot easier to study when you know you dont have to go out to your car, get your bookbag, take out your books, and go online to lookup the homework.

  • ok here it goes(its nothing big, just givin an advice) write down all the questions on things that you didn't know2 days before a test or quiz or u can do the same thing, but at the end of the week you can ask the questons. and what you do is write the questions on one side of the paper and the answers on the other Make a goal: study at least for 10min of studying each day do that for a week and add another 5 min. on the day before the test study the stuff u havent studied and write down all the stuff that u don't know: write 2x and in the end write down all the stuff on one paper. Make sure to do hw first if u need anythin:

  • Help Your Child Study Better, Improving Study Habits

    Another improving study habits article worth reading: help daughter with math homework

    Look into this post;

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    Starting A Food Cart Business

    If you are looking for an easy business to start up, a food cart is always the first and best option.  It demands low budget for capital but it has potential to earn Starting A Food Cart Business, food business business start upfast income. You can either create your own cart to start it off or you can you can simply buy a franchise. When starting your own food cart business, it would require much effort but it’s cheaper in the long run. Franchising is undoubtedly much easier. You don’t need to make your own cart, find your own supplier, and start from scratch, but franchising needs a bigger capital than starting your own business.  But in starting this type of business, you just don’t go and make your own cart. Like any business venture, there are a lot of things to consider.

    Food Cart Theme

    First, and the most important, think about what kind of products will be sold in your food cart business. The concept is a vital part. It should be consistent. If you want a Mexican-themed food, it should be obvious from the cart, not just with the food. It would be best to go for food concepts that you are more familiar with.

    Legal and Admin Requirements

    You also need to secure all permits needed to start the business. Ideally, no matter how small or new, the business should be registered, complete with permits. This would save you some time rather than registering it while the business is already starting. If you are planning to get a franchise, make sure that it is legitimate. It is advisable to do a background check first and talk to some who already has a franchise before getting your own. This way, you can avoid being scammed.

    Self-Financing vs. Business Loans

    Apparently, if you’ll start a business, you need some capital, and the same proves true with a food cart business. While it is tempting to go for business loans, it would still be better if you will use your own money. Besides, food cart business basically have a smaller capital compared to other forms of businesses. Moreover, this is for your own safety, so if the business fails, you won’t have to deal with lenders and creditors that will go after you.

    Branding Consistency

    Consistency is the keyword for a business. Focus on the quality of the products sold. Because you may have a decent concept but if the food is not that good, costumers won’t come back. Design your stall in a unique way that will stand out against other competitors, this will help to attract the costumers. First impressions would help you get costumers. Maintaining a good reputation is also essential in sustaining a brand. This can be achieved by simply paying your rent and suppliers on time, giving incentives to employees, and offering excellent customer service.

    Strategic Location

    Starting A Food Cart Business, food business business start upAnother consideration is to find the perfect location for your business. It’s always advisable to place the food cart in a crowded area, so that your stall would be visible to every passersby. However, make sure that these people suit the target market that you are aiming for. Considering offering free taste during the first few months of the business, as this will help spread the word about your quality food.

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    Planning Mortgage Before It Overwhelms You

    Monthly financial responsibilities can be innately overwhelming in all aspects, especially if it includes bloated interest rates. Among the monthly bills that most American families and professional are most concerned about are their house mortgages. Apparently, most if not all mortgage fees are way more expensive than other bills which means that it takes a huge chunk of the budget.

    With this it is very important to have a plausible payment scheme that does not hurt the pockets severely, but also does not result to compounding mortgage fees.

    How do I make it easier to pay mortgage?

    Planning Mortgage Before It Overwhelms You , pay mortgage on time mortgage payment house payment financial planningThe first time you talk to a mortgage professional, you will be given two payment options. First is the maximum payment that you can afford based on your current monthly income, but you will also be given another computation that is relatively lower than your maximum. While it can be tempting to go for the maximum rate to finish your payment sooner, it is aslo important to consider the flexibility of your monthly budget. Try to initially settle for a lower amount than your maximum to avoid straining your overall monthly expenses.

    But what about the interest rates?

    Sure, the longer you drag a house payment, the bigger interests you have to pay. This is the point where you commit to make your mortgages a priority. This means that even if you committed to a lower payment scheme, you also need to find opportunity to add to these regular payment by putting in some of the extra income to the mortgage fees. This is called accelerating payments, which could cut down almost 5 years of your payment years if done religiously. By doing this, you will be surprised with how much extra payments can easily cut down your payment duration and interest rates.

    It also important to evaluate the interest rates first, before committing to a new house or payment scheme. Current decisions on interests caan already have huge impact for your financial future. Even the mere difference between a 5% and 2% rate already translates to hundres of dollars, so that is how significant your interest computations can be.

    Planning Mortgage Before It Overwhelms You , pay mortgage on time mortgage payment house payment financial planning For first time investors and homeowners, paying mortgage on time can be quite a challenge. Admittedly, it is a huge addition to the monthly expenses. No matter how challenging, paying mortgage on time is one of the best financial practices that you can make, because one simple delay in payment can already mean huge financial liability for you. As they say, you do not simply mess with mortgages.

    When things get overwhelming, seek professional help. Talk to your mortgage agent and try to negotiate things. Oftentimes, people overlook the impact of talking to the right people, instead of encuring debts for financial liabilities. If there is one thing that your mortgage professionals were trained to do, it is to help you their clients every step of the way. So you can be asusred of realistic solutions to your payment setbacks, and may even avoid increased interest rate along the way.

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    Epic Failures in the Tech Industry

    Epic Failures in the Tech Industry , technology tech failures nasa Microsoft mars innovation evolution aviation

    Technology plays such a huge part of in our lives. As a matter of fact, nowadays many of our daily activities can hardly be Epic Failures in the Tech Industry , technology tech failures nasa Microsoft mars innovation evolution aviationaccomplished without the aid of technology. Mankind, evolution and innovation have now blended together.

    However, the road to technological advancement has not always been a smooth one. We hear about incidences of hacking, system failures, and software incompatibilities. While the problem may occur in one or two small components of the technology, its impact on humans can be devastating, as histories can prove.

    Even the most sophisticated devices of the National Aeronautics and Space Administration (NASA) were not spared from these technological failures. Remember when NASA launched two space crafts that would signal their long-term Mars exploration. However, this exploration is also remembered for the loss of the Mars Climate Orbiter. This spacecraft was originally created to study the weather in Mars. After a series of investigations it was found out that the cause of the spacecraft failure was the inconsistency of the metric system used to build and program the spacecraft.

    Epic Failures in the Tech Industry , technology tech failures nasa Microsoft mars innovation evolution aviationOur aviation system is also highly dependent on technology. Yet, anyone who was at the Los Angeles International Airport back in 2007 will surely not forget the horrible delays they experienced when more than 15,000 planes in the airport were grounded. This was later on traced to a software problem of a low-quality equipment, that kept on sending inaccurate data on the airport’s network.

    There were also technology products that were easily ruined by technological glitches before they can even make it big in the market. Take for instance Microsoft’s Zune, which was intended to be the bravest rival of Apple’s iPod. Unfortunately, due to persistent software problems of the Mp3 player, Microsoft eventually watched Zune fade into the market. Of course, we all know that this isn’t the first and only technological failure that Microsoft will be known for. When Window’s Vista was released to replace the classic Windows XP, the reception of users was just not cold, it turned sour. Next thing the tech community knew, people were already clamoring for the old OS. Windows Vista turned out to be one of the most short-lived Microsoft OS.

    Apparently, most if not all of the technological failures are man-made. As the innovations are becoming more sophisticated, it is essential for mankind to also upgrade, in order to cope with these changes. Given the trends we have now, it’s clear that our technology experts are coping really well.

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    These Little Things Can Save You BIG Dollars!

    These Little Things Can Save You BIG Dollars!, tricks to save money stick to a budget save money penny saver budgeting

    These Little Things Can Save You BIG Dollars!, tricks to save money stick to a budget save money penny saver budgeting Even if you’re not strapped for cash, on a tight budget or don’t have enough as it is… it always makes sense to be smart with your money. These tips can have you saving big dollars fast. I cut back on the crap I was buying and made smarter purchase decisions and over a 3 month period, I saved over $1000. Here are my tips for you:

    • Food Is Expensive. Buy Bulk with a Friend. I guarantee you have a friend who eats similar things to you. Make a date out of it… go to your nearest wholesale grocer and buy bulk between the two of you. Seems like you’re spending a lot more upfront, but trust me… you’re saving money in the longterm. Just make sure you don’t buy an abundance of perishable items if you can’t eat them… then that’s just a waste.
    • Create your own art. Decorating your place? Updating a few things even? Create your own art.. take your favorite picture, habit or memory and frame it, print it on a pillow… look at Pinterest for inspiration. You don’t need to spend $100 on that picture of the Eiffel Tower.
    • Stop Buying into Marketing! Paying $3 for flavored water is ridiculous. Use your free water at home, buy a few lemons/limes/whatever… and put the two together. Your cost of flavored water has now moved close to $0. This is just one example of marketing trickier. Don’t fall for it!
    • Buy Inexpensive Wine Note I didn’t say buy ‘cheap’ wine. The quality of wine has nothing to do with the price. Look for wine that is produced and bottled in the same place. Chances are that it’s a good pick. You can also keep up with blogs and wine connoisseurs.
    • Organize a clothes swap with friends. How many pieces of clothing do you have in your closet that you never wear anymore? I guarantee your friends are in the same position. Organize a clothing swap. Why not!

    These are just a few tips… there’s many more things you can do to save money if you really want to. 2 for 1 dinners out, waiting until the sale day… racking up rewards points at the shop you go to all the time.. the list is endless. Happy Money-Saving!

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    The iPod Story: How The Apple Media Player Became Widely Popular

    The iPod Story: How The Apple Media Player Became Widely Popular, Apple has completely changed the way we use technology, and it all started with one simple device. Offering a unique combination of music and photos as well as videos and games, the iPod revolutionised mp3 players and changed the way people listened to music.

    The device became one of the most sought-after gadgets on the market, and consumers are still buying new versions and iterations of the mp3 player to this day.

    From Humble Beginnings

    The iPod was not an instant success. When the device was first released in 2001, sales were slow but steady. The first generation model was only compatible with Mac computers, and the device failed to make a big impact on consumers. However, Apple recognised that no brand had really managed to capitalise on the growing mp3 market.

    Concerns about piracy and digital media impacted the technology, and it was difficult for users to play mp3s on external devices. Many early mp3 players had DRM copyright restrictions, and they only allowed the limited transfer of files in an effort to curb piracy. Undeterred, Apple continued to innovate its media player technology and finally enjoyed huge success with the fourth generation model.

    The Fourth Generation Success

    Released in 2004, the fourth generation model was unlike any other mp3 player. Apple considerably slimmed down the size of the device while simultaneously managing to boost its storage capabilities to a whopping 40GB, and the all-touch interface was the simplest way to manage and play music.

    The new fourth generation models were also compatible with Windows and could be connected via USB instead of Firewire, and Apple’s new iTunes software made it even easier to transfer files. A fourth generation colour model which was capable of viewing and storing photographs was released in the same year, and Apple emerged as the leading innovator in the mp3 technology market.

    Nanos, Shuffles and Beyond

    Growing sales of the device considerably strengthened Apple’s position as a technology giant, and the company quickly turned its attention to broadening its range of mp3 players. The ‘Mini’ was a slimmed down version of the device which came in several different colours and designs. Although it had limited storage capability, the Mini was a huge success and was ideal for users who didn’t want to back up their entire mp3 library.

    The release of the ‘Nano’ replaced the Mini, and the new model supported video playback and later generations featured a built-in speaker, FM radio and even a pedometer. Apple also offered a barebones version of the mp3 player with the release of the ‘Shuffle’, and the scaled-down device lacked a screen but had a much cheaper price tag. Apple continues to diversify and improve its media player brand, and the iPod is still one of the most popular mp3 players available.

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    The Goliaths

    The Goliaths,

    While StatCounter reports that Apple still has its lead in terms of most browsed mobile, Samsung is the predecessor when it comes to the physical market. Apple takes away 48% of all browsing while Samsung only manages to steal 21.5%. Samsung has effortlessly managed to defeat Apple in the strongest markets globally including Western Europe and South America.

    What Samsung is doing to maintain its sales record is coming up with magical devices likes S4 and what Apple is doing is coming up with cheaper versions of i4 and i5! Well, this cheaper tactic of Apple is effective in consumer markets like China. Analysts believe this downfall to be momentary and transitory for Apple, they have utter faith in this brand to launch something very soon that can easily whitewash all those victories of Samsung. What exactly id toppling Apple’s average sales are those antique 4 and 4S still circulating in the market. Apple desperately needs to clear those away and come up with something even more innovative.

    While the two top-notch vendors battle for the throne, the rest are fulfilling their hunger of cash through the market shares of both the competitors. That is why in the last quarter of 2012 Lenovo, ZTE, LG and other vendors raised up their market shares to a new height. A battle benefiting the bystanders, it is!

    Undoubtedly Apple is not an noncompetitive brand to just sit back and whine over the rival’s victory. Surely Apple is strategizing its next step. We impatiently await latest sales records of both the Goliaths to witness the most profitable cell phone vendor of 2013.

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