Saving, investing and making money with technology

Month: August 2019

How Much Is Your Pain and Suffering Worth? The Legal Perspective

Have you ever thought about how much your pain-and-suffering is worth? It might seem like an odd question, but it’s one that’s very important after you get in an accident or an incident where you are injured or harmed somehow. You know what your daily pain threshold is. If something happens and suddenly you are in pain all the time now, or some aspect of the harm you’ve suffered causes you not to be able to work, how do you create a number to associate with your feelings? That’s a tough question, but one that lawyers can help you with.

Think of a few different cases where pain-and-suffering equates to a certain amount of money. If you get in a car accident, not only will there be lawyer fees and the price of a new car and insurance increases, but you also potentially have to pay for medical bills. 

In the workplace, the psychology of discrimination is incredibly painful and leads to a loss of economic opportunity. And what happens when a business is neglectful or operates in a way that causes a malpractice suit? Again, someone must understand how to evaluate the monetary value of pain-and-suffering.

Car Accident Court Cases

After you get in a car accident, one of the first issues to come up is money. How will you pay to fix your car? Who was at fault, and will they have to pay more to the person who suffered damages? Will your insurance premiums increase? In all of these cases, the pain and suffering caused by the accident will have a direct economic consequence. Talking to a lawyer about what this means in the long term is especially important.

Psychology of Discrimination

How deeply have you researched how discrimination affects people in the workplace? The mental anguish and suffering that come from unwanted negative attention in a career cause lots of economic loss. People get paid less. Workers are less successful and motivated. The quality of products will go down if someone is nervous while they are working on something. If you have to file a job discrimination suit, make sure to understand that the distress that you feel from the discrimination leads directly to a loss of financial stability.

Business Malpractice

A final time when you might have to assign a value to a court case in a legal sense is if there is business malpractice associated with your pain-and-suffering. If the company steals $50 from you, then they owe you $50. But if along with stealing that $50, they cause you anxiety because of the trust that you have lost in the system, or potentially some kind of penalty for not having the money, this is a whole new ballgame. If you have a good lawyer, they will be able to put a dollar value on the additional stress that you go through if a business ripped you off.

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How to Put Your Houses for Sale in Dubai

Dubai is a city of riches and wealth. This city looks magical. The Burj Khalifa tower, Palm Jumeirah beach, etc are looking straight out from a book of a fairy tale. Many people from different countries from the world live in Dubai because of their work commitments and other purposes. These people often buy properties for a living. When they come back they usually sell these properties. Often, local people of Dubai also put their properties for sale.

Only the homeowners of the freehold areas in Dubai are eligible for putting their houses for sale in Dubai. Anyone from any part of the world can buy these properties. Often real estate companies build projects in Dubai and sell them to the customers. It is a process. And Dubai is a hub for real estate transactions. 

But selling your home may not be easy in Dubai. This place is strict in terms of rules and also brokerages apply. Hence, if you want to be safe you need to work as per the rules and guidelines. Here are some tips to sell g your house in Dubai according to the law.

Pick specialist agent

Yes, Dubai has different areas like all Barari, the I International city, etc. Some of these places have high-end properties while others have cheaper apartments or villas. It all depends on the location. It will be better if you ask help from a specialist agent. These agents are well known in the specific area and know the exact value of the property according to the law. They know how to market your property and how to sell it as fast as possible. Experienced agents are also reliable and trustworthy. Always choose a listed and authorized agent. Besides that, you need to sign an agreement with the agent that will make the agent able to market and sell the property. This form is called form A. You may also have to give some brokerage charges to the agent in some cases.

Keep your documents ready

As it was said before, the signing of form A is mandatory in case you want to sell your property. To sign this property you need some documents. These are-

  • the title deed or Oqood of the property
  • Our proof of citizenship if you are a citizen of Dubai
  • If you are a foreign national then you need to submit your passport and the visa of UAE. 
  • These documents must be attached with the form for further processing.

Make your demands clear

You need to make your demands clear to the agent and the buyer. These will be helpful in many cases. You will be able to gain maximum profit and the buyer will be satisfied also.

Sign the form F after you have finalized the buyer

Your search of the perfect buyer is over and you have chosen the buyer. Your agent will now prepare a form F with the guidelines and conditions of selling the property between you and the buyer. Usually, the signing and registration of the property take place in the local property registrar’s office. But, if your buyer opts for bank finance or mortgage loan the bank may perform an additional property valuation with a third party and then decide on the loaning amount.

If you had taken a loan then you need to get a NOC from the bank and the developer so that you can sell the property. There are also some short processes before you finally hand over the property to its new owner.

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Endurance: Acura Extended Warranty Plans

Every Acura owner drives off the lot with their luxury marquee backed by Honda’s industry-leading factory warranty, but though this warranty is thorough and Acuras are built a line above basic Hondas, every car breaks down eventually. Acuras are not excluded from this natural progression, but unfortunately, the break typically happens after Acura Extended Warranty has expired. This combined with the fact that Acura’s are more expensive to fix than the average Honda makes for a costly repair.

This is why Acura has created vehicle service contracts – or an extended warranty – for Honda Acura vehicles. Since Acuras typically reach a higher mileage and last longer than other Hondas, Acura’s extended warranty, Endurance, is something that all Acura owners should highly consider.

How does Endurance work?

If you purchase the Endurance warranty, that means that the doors of any Honda or Acura dealership are open to you, nationwide. You can also take your vehicle to any Acura-approved dealership, but if you go somewhere other than what is allowed in the contract, you will lose your coverage. Endurance makes a way for both new and used vehicles to be cared for by certified mechanics.

What’s the difference between an extended warranty from a dealer and Endurance?

Our program is called “Elite” for a reason. The Endurance Elite Membership offers much more peace of mind than most other warranties you’ll come across. You have total protection, 24/7 roadside assistance, and up to $5,000 in repair loans that you can repay easily and simply through payment installments. We make it even easier to access your account and stay in the know through our Endurance Protect App.

How much does an Acura extended warranty cost?

All of Acura’s vehicles are guaranteed to last long and be highly reliable. The Acura RDX, for instance, is not only Acura’s best-selling new vehicle, but it is also one of the top resale vehicles in the market today. Compared to other luxury marquees, its mileage ratings are excellent.

However, it’s because of their longer lifespans that Acuras necessitate the Endurance Elite Membership. Many owners find that significant repairs occur long after the manufacturer’s warranty has expired, and since Acura is a premium brand, these repairs can make some serious damage to your bank account. For example, an alternator replacement can cost anywhere from $295 – $1,499, a water pump from $323 to $1,805, and a head gasket replacement from $362 to $1,631; these three repairs are the most common for Acura cars, no matter which model.

Acura’s are excellently made cars that last longer and work better than most others, but no matter how well a car is made, it can and will break down eventually. Acura is no exception, and more often than not, these breakdowns happen unexpectedly. It’s likely that the cost of an extended protection plan will be significantly less than these fixes without a plan in place.

What extended car warranty covers the most for the best price?

You’ll find four different Endurance coverage plans. The Supreme Plan covers everything while the Select Premiere exempts power items such as brakes, steering, and gaskets. We realize that each individual has different needs, so we’re happy to work with you to provide the best plan for your car and lifestyle.

What types of charges does Endurance exclude?

We go above and beyond in providing the best and most extensive coverage for all of our customers. You can find a thorough list of any of our exclusions when you check out each plan and their sample contracts.

How do I get a quote for an extended car warranty?

Getting your own individual quote is simple and easy. Just fill out your vehicle information, phone number, and email on the Endurance homepage to get a free quote in minutes.

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How to choose the best plastic injection molding manufacturing company?

In all over the world, many companies manufacture plastic injection molding. But China is considered to be one of the best countries for Plastic Injection Molding Maker. There are many companies in China which are dealing in the Plastic Injection Molding Maker. But selecting the best company out of all the Plastic Injection Molding Maker China companies is not that easy. There are few things which one need to check to choose the best company for manufacturing the Plastic Injection Molding. We have shared what all you need to do to choose the best Plastic Injection Molding Manufacturer.

Proper Management System

The plastic injection molding manufacturing company should have a proper management system. They should follow the requirement mentioned by the clients regarding the manufacturing and final delivery. The final delivery of the manufactured plastic injection moldings should be done systematically. It means the company should be able to deliver the final products according to the commitment they made. They should also have the proper staff to manage the process from the beginning to the end. It will help in a smooth manufacturing process and timely delivery.

Work strictly on specifications

Every manufacturing consignment has its own specifications according to client needs. The company and the employees working in the company are responsible for delivering the final product according to the specifications mentioned by the client. There are certain specifications for the plastic injection moldings like its color, size of the molding, the shape of the molding, any specific design on the molding and the logo on the molding. All this need to be taken care of, while manufacturing the plastic injection moldings. The manufacturing head or the supervisor should strictly give the instruction regarding all the specifications to the employees and the workers. There should be no mistake in the manufacturing of the moldings.

Timely Delivery of finished products

No matter how good you are in manufacturing the products. If you are not able to deliver it on time, you fail as a company. The clients not just need the products to be good but they also want the product to be delivered on time. No client would like to choose a plastic injection molding manufacturing company which is not being able to deliver the final products timely. Or are being able to deliver only half of the consignment. So, while choosing the molding manufacturing company, check whether they deliver the products on time or not. Companies like are good when it comes to delivering the final products on time.


We mentioned above only, that there are many companies in China which are manufacturing and delivering plastic injection moldings. All these companies have different manufacturing price or cost. To ensure that the company which you are choosing is the best and is cost-effective also, check everything mentioned here including the price. If you feel that their work and manufacturing process is good enough for the cost they are charging. Then, you can choose the company for Plastic Injection Molding manufacturing.

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For many decades, Injection Mold Making has been a widely used manufacturing process. The injection molding process is so popular that it can be found in almost every house, industries, vehicles, businesses, and organizations. The most commonly used process in injection mold making is the Plastic Injection Mold Making Process. This process is vastly used to produce plastic materials and various plastic products. Have you ever wondered why this process is widely used and what led this process to become one of the most used process in the sector of manufacturing? What are its benefits and how it impacts the manufacturing industries? Let’s take a look at the facts of plastic injection molding and obtain more knowledge about this unique manufacturing process. 


Plastic injection molding is a type of manufacturing process in which the products are produced by injecting the materials in liquid form into the mold under high pressure. This process is done for mass-producing the products as it creates a high-quality part at a low cost. It mostly benefits the manufacturing plants in cost reduction so that numerous quantities of parts and products are produced which increases the overall productivity of a business. Thermoplastic polymers are generally used in this process as Plastic Injection Mold Making Suppliers require the flexibility and automation, which also increases the production rates making it higher in numbers.


Plastic Injection Mold Making Process is vigorously used by the companies as it has numerous benefits holding manufacturing altogether. Various aspects are taken into consideration before using any manufacturing process as the products have to be mass-produced and any mistake could ruin the whole production unit and embrace a huge loss with it. The factors which give this process an edge above others are accuracy, speed, low-cost production, efficiency, resourcefulness, flexibility, durability, finish, and ductile strength. This process is so flexible that it can be used to produce any plastic part. Speed is also a key factor in this process as the products are mass-produced and due to continuous running, it requires greater efficiency with precision at higher speeds. The products also have a good amount of strength with a better outer finish. Among other competitors, China Plastic Injection Mold Making Process makes a mold that is considered to be a necessary and useful tool for mass production. The mold making in china is available at a very reasonable price and is not very hard to find. The companies like have the information to get the optimized designs for the plastic injection mold.


As the Injection molding process is old there are also some new technologies for enhancing manufacturing processes. But most of these are not even available for use in large-scale industries and some are yet in the testing period for future uses. This also includes 3D printer which is available for only small-scale usage and further testing is being conducted to make it available for future use. So, you can say that till now the Injection molding process is holding its position for large-scale usage in the manufacturing sector.     

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Keel Associates Review

Debt consolidation loans are used to pay off and simplify existing debt by consolidating multiple payments and accounts into a single account with one lender and payment. They are a specific type of personal loan.

Depending on your creditworthiness, you may be able to receive a lower interest rate on a debt consolidation loan than you are currently paying on your debt, saving you money on monthly payments and overall interest. Do you need your credit fixed and ways to get out of debt just call Keel Associates, they can really fix your and get you out of debt.Another option for lowering your monthly payment is with a long loan term. However, a longer loan term means you may pay more interest total.

Typically, debt consolidation loans can be used for unsecured debt. Common types of debt that a debt consolidation loan can be used for include:

Credit cards

Medical bills

Personal loans

Payday loans

This guide explains how debt consolidation loans work, how you can apply for and receive a debt consolidation loan and recommendations for the best debt consolidation loan companies.

How Debt Consolidation Loans Work

There are two types of debt consolidation loans: secured and unsecured. The primary difference between the two is that secured debt consolidation loans use collateral, while unsecured loans do not. Unsecured loans are more common, but you can use a secured loan for unsecured debt, such as a home equity loan used for credit card debt consolidation.

Secured debt consolidation loans. Secured debt consolidation loans use collateral, such as home equity used to secure a home equity loan, and generally have better interest rates than unsecured ones. If you have the collateral and can meet the requirements, a secured loan may save you money on interest as you pay down your debt.
Home equity debt consolidation loans, a type of secured debt consolidation loan, offer a fixed interest rate. Interest paid on a home equity loan is usually tax deductible, while credit card interest is not. Keel Associates can get your credit card debt back in order. Please call them toll free at 1-800-650-4596, if you have any questions regarding your low interest rate credit card debt.

Home equity loans for debt consolidation can be risky, as your home may be foreclosed on if you can’t pay your loan. “The danger is if you eat up a significant part of your home equity,” says Gerri Detweiler, education director of business credit website “Make sure you have plenty of cushion in there so if something happens and you had to sell your home, or you had to move … you don’t end up losing your home.”

Repayment terms can be 10 years or longer, and if the value of your home drops during that period, you may owe more than your home is worth. If you’re facing bankruptcy, credit card debt is unsecured and typically discharged more easily than a home equity loan.
Unsecured debt consolidation loans. Unsecured debt consolidation loans don’t require collateral, and they usually have easier approval requirements than secured debt consolidation loans. Unsecured debt consolidation loans can have debt-to-income ratios of up to 50% and minimum FICO credit scores as low as 585.

Unsecured debt consolidation loans are offered online through banks and marketplace lenders. This makes applying for a loan convenient, and some providers offer instant approval online, so you can find out right away if a loan is going to work for you. And if you’re looking to get out debt give Keel Associates a call, because they are really good in lowering debt.

While unsecured debt consolidation loans can be easier to obtain and more convenient than secured debt consolidation loans, they generally have higher interest rates, so they are more expensive to pay down than a secured debt consolidation loan.

Will you be in debt when you die? The sad fact is that it happens to many Americans. According to Experian’s File One Database, 73% of American consumers had debt outstanding upon their death. These people had an average total debt of $61,554, including mortgage debt. After subtracting their home loans, they still had an average balance of $12,875.

How much debt do you have? Those Americans with credit card debt owe an average of more than $16,000. If you have this much credit card debt or more, along with a bunch of other unsecured debts, you’re probably asking yourself what you can do to get things under control. There’s a lot of information available on the Internet that could help. Search the term “debt relief” and you’ll get over 400,000 results. The problem is that many of these resources don’t address the problem. Some are just thinly disguised advertisements, and still others are the work of those trying to deceive.

National Debt Relief is ranked #1 for debt consolidation programs by Top Consumer Reviews and has a five-star rating on the review site known as TrustPilot. It’s Better Business Bureau accredited with an A+ rating and is a member of the American Fair Credit Council.
One of the best options for dealing with debt is a debt consolidation loan. National Debt Relief’s blog offers a number of good articles on this subject. Here is a synopsis of NDR’s top 10 articles on debt consolidation loans, with links to the complete articles. Read these articles to learn all about debt consolidation loans before choosing this option.

A debt consolidation loan is a new personal loan you undertake in order to pay off your outstanding credit balances.Keel Associates can really fix your credit card debt. The goal is to reduce the amount you’re paying on your existing high-interest debt by potentially saving money on interest and consolidating your monthly payments into a single payment that’s easier to manage.

A debt consolidation loan can also help you improve your credit scores over time. Because you only have to manage one debt payment each month, you’re less likely to hurt your credit history with a late or missed payment. Debt consolidation also allows you to reduce or eliminate your revolving debt, which helps you lower your overall credit utilization ratio.

If you’re wondering whether you should make the move, check out Experian’s guidelines on whether debt consolidation is right for you, and follow these steps on how to consolidate credit card debt.

Once you’re ready, visit Experian® CreditMatch™ to find the best debt consolidation loans for you. Debt consolidation loans carry varying terms and interest rates depending on an applicant’s creditworthiness. We’ve highlighted five of the best lenders for consolidating your credit card debt below. To find out if you’re a match for these lenders, sign up for a free CreditMatch profile.

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All the Essentials About the Visual Inspection Process

Visual Inspection, or the Visual Testing, is the most seasoned and most fundamental strategy for inspection. It is the way toward investigating a bit of equipment utilizing the unaided eye to search for imperfections. It requires no equipment aside from the unaided eye of a trained inspector. 

Visual inspection can be utilized for inward and outer surface inspection of an assortment of equipment types, including capacity tanks, weight vessels, channeling, and other equipment. 

What is Visual Inspection?

Visual inspection is straightforward and less innovatively progressed contrasted with different strategies. In spite of this, despite everything it has a few points of interest over increasingly cutting edge strategies. Contrasted with different strategies, it is unmistakably savvier. This is on the grounds that there is no equipment that is required to perform it. For comparable reasons it is likewise one of the simplest inspection techniques to perform. It is likewise one of the most solid techniques. A well-trained inspector can identify most indications of harm. The Visual Inspection Machine works perfectly there.

  • Visual inspection, with or without optical aids, is the first technique for NDT. Numerous deformities are surface-breaking and can be identified via cautious direct visual inspection. 
  • Optical aids incorporate low-control magnifiers, magnifying instruments, telescopes and furthermore particular gadgets, for example, boroscopes, endoscopes and other fiber-optic gadgets for the inspection of limited access zones. These gadgets can likewise be utilized with TV camera frameworks. A significant part of the achievement of visual inspection relies upon the surface condition and the lighting arrangements. Surface planning, for example, cleaning and carving is regularly utilized and furthermore surface reproductions can be taken for both full scale and minute assessment. In-situ metallography is likewise conceivable. 

Rapid visual inspection with robotized yield is utilized for the inspection of the outside of sheet material and TV techniques may utilize improved picture and example acknowledgment strategies. Remote photography of out of reach surfaces, for example, inside a radioactive domain, is additionally conceivable. Rapid cine is likewise utilized for contemplating quick occasions. Varieties of optical diodes can be utilized rather than TV cameras. With the use of the Visual Inspection System Manufacturer you can have the best deal now.

Notwithstanding innovative headways in inspection techniques the essential and most significant inspection/test technique is visual inspection. A visit to is the best option there.

Time has demonstrated that visual inspection is the best technique of all. Different techniques can be utilized if and when the welds or parts to be analyzed are considered visually adequate to particular prerequisites. 

Visual Inspection is an extremely successful inspection technique, and it ought to be the essential strategy incorporated into any viable Quality Control Program. It has been demonstrated over and again that, “Visual inspection” led by appropriately trained inspectors, brings about the revelation of by far most of those imperfections which would just be found later by some progressively costly non-destructive test technique.” 

The Best of Visual Ispection

While visual inspection is constrained to materials surface-just assessment, it frequently recognizes the most harming deformities. Visual inspection by the American Society for Non-destructive Testing (ASNT) of welded segments expects inspectors to have a wide learning of numerous advances, including welding, destructive testing, non-destructive testing, and metallurgy, just as the right phrasing for each. 

Due to the significance of the technique, the primary instructional class and inspection endorsement each EIS professional will experience in PCN Visual inspection. 

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Essential Options for Catching a Cheating Girlfriend

If at the moment you are wondering how to discover a betrayal of her, you must know that there are two questions that are submitted to us with a notable frequency:

The first is whether the techniques contained in discover if he betrays you and with who can also be applied to women and can be used to discover a betrayal of yourself (of your wife or your girl), or are valid only for male betrayal. The second is whether, statistically, it is easier to discover a female or male betrayal. To catch a cheating girlfriend this is a perfect option now. All you need a perfect spy app.

Discover If He Betrays You and with Who are also valid for female infidelity

  • And now we’ll try to get into the details, to make it clear in what sense we talk about “a good part of the strategies”.
  • To begin with, all the techniques that use technology can be equally valid for male marital infidelity as for female marital infidelity.
  • We are therefore talking about the content of the video How to Discover a Password, which teaches you how to easily obtain access data to access online services used by the partner (i.e., email accounts, Facebook, etc.).

We are talking about the use of micro-lights and voice-activated micro-recorders, which can be used to listen or record the private conversations your wife can have with her alleged lover. We are talking about micro cameras with motion detection, which can be used to film meetings between your partner and her lover (for example, at home or in a car). We are talking about mini satellite trackers (GPS) that can be placed in the car to know, in any reminder, its geographical position with millimeter precision. All tools that you discover if he betrays you and with whom he will teach you where to get a fraction of their normal cost, and how to use them to get the maximum benefit.

We are talking about the techniques with which it is possible to know the holder of a mobile number. And we’re talking about the advanced inspection techniques of a computer or mobile phone, with which you can recover important data even if your wife or girlfriend has deleted messages, history, etc., and that very often they are the only thing of which you need to easily identify a possible adventure or extramarital affair, and know who exactly the other person is.

  • Satellite Tracker (GPS)
  • Pocket Satellite Tracker (GPS)

As for the environmental prospecting and the systems of detection of marital infidelity signals, I will tell you that they too are worth to frame a traitor in the same way as they are worth to frame a traitor.

These are extremely important methodologies when there is a need to know the truth in the shortest possible time and the course devotes several chapters to them.

The difference exists instead in the methodologies based on the Behavioral Psychology since the female psychology and the male psychology present notable differences. Only in this context, therefore, some of the techniques aimed at recognizing an episode of marital infidelity dominated by a man may not apply to female marital infidelity.

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Small Business Finances – Spend Less and Gain More

Small business owners often realize that unexpected business expenses increase their overhead costs drastically. Here are nine effective cost-saving tips that will lower your overhead costs.

If you own a small business, you must be used to unexpected expenses popping up now and then. While these might seem negligible, add them up, and you will find that you have been spending a lot more than you expected. Or, you might also find yourself making expensive purchases regularly. Naturally, spending more money than you expect is not a feasible situation. Any small-business owner would want to save expenditures and ensure profits come in. While unexpected costs are to be expected, there are some simple ways to reduce these costs.

Invest in professional liability insurance

Professional liability insurance can protect your small business venture against claims related to mistakes, negligence, and misinterpretations. Any case against an employee or your business for unsatisfactory products/services can be taken care of with professional liability insurance.

Most professional liability insurances cover legal expenses, settlements, attorney fees, and costs/expenses related to judgment. Save your business from large expenses by investing in professional liability insurance.

Switch to technology

Today, technology offers benefits that were unheard of several years ago. You will find that it can help you save money. Technology today is easily available and can work without manual intervention – so you can hire fewer employees.

Technology, like online payment services, will make it easier for your customers to do business with you. Technology like teleconference services can save you travel expenses as most meetings can be conducted via these services.

Go paperless

When using paper, it is easy to forget about the additional expenses involved like ink, pens, pencils, erasers, staplers, staple pins, postage, mailing supplies, xerox machine, and xerox machine ink.

When you move to a digital invoice and billing system and use emails instead of sending letters/newsletters, your costs on stationery supplies goes down drastically. There will be less paperwork to be filed, which means your storage requirements drop down as well.

Market your business online

There are 5.11 billion unique mobile users and 4.39 billion internet users as of 2019. These numbers are growing exponentially by the day. When you market your business online, you could get your target audience’s attention quickly. Social media too makes online marketing campaigns very successful. You will spend less and gain more attention when you go online.

Cut traditional advertising to a basic minimum and concentrate on low-cost/free online alternatives. Also, instead of concentrating on simply advertising, focus on inbound marketing.

Reduce credit card debt

In the short-term, you can successfully and immediately reduce business costs by charging business expenses to a credit card. But, if you look closely at the interest rates and other fees associated with credit card use, you will find that they add up to a neat sum. If you reduce credit card debt, you can save costs on interest and other fees.

Manage your business cards more effectively. For instance, make use of rewards. Ensure you don’t mix your business expenses with personal expenses. Keep a record of all your business financial dealings. Review your business card statements immediately and regularly to ensure they are in order, and there are no discrepancies. Finally, ensure you keep an eye on your cash flow.

Cut down on office space

If you rent an expensive office space, you could consider moving to a more reasonably-priced one. Another option is to run your business from home and save money on taxes and utilities. Today, the number of work-from-home employees is on the rise. Getting employees to work from their homes rather than hiring an office is an efficient cost-saving solution.

If you are planning on running a home-based business, ensure that the zoning laws and other local bylaws allow you to conduct a business from home. Some neighborhoods are against home-based businesses. If working from home, ensure your family is not inconvenienced.

Cut down on staff

Employees need a salary, office space, insurance, and other perks. If your type of business has slow periods, you will end up spending more on staff and get nothing back in returns. Instead of hiring full-time staff, you could hire close relatives to help you with some aspects of your business. You could also get your spouse involved in your business venture.

Unemployed young people would be willing to do easy jobs for little money. You would also be helping them gain valuable work experience. Also, if you make use of technology in your business, you can cut down on staffing costs. Outsourcing your work can help you reduce staff as well.

Get sponsors for events

If you host regular business events to keep your old customers and attract new ones, you probably go the whole yard to ensure you leave a lasting impression on your audience. Some expenses might include an expensive venue, expensive food, and creating a lot of business material for your guests. These are traditional moves that, even today, successfully impress customers and potential customers. So, instead of cutting back on your events, get sponsors who will bear the costs related to the event. Look for businesses that can benefit from your business. You could trade your business services for their sponsorship.

Always negotiate with vendors

Vendors expect you to bargain. From stationery to coffee cups and more, don’t settle for the cost your vendors initially quote. Vendors rely on your business to keep their business going and are willing to negotiate costs just to ensure you continue to give them regular business. Perhaps you will get your products at a price that is even lower than your offer – you will never know until you ask. So, go ahead and bargain with your vendors.

When you find it hard to keep your small business afloat, even small changes will make a big difference to your costs. The sooner you make the changes, the quicker you will reap their benefits. If your small business is doing well, you can still make these changes and save costs.Small Business Finances – Spend Less and Gain More

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Certified Beer Server Scholarship Programs

You know beer scholarships are know offered mostly everywhere.You have course scholarships for brewers, and these are great scholarship programs.

Master Brewers Scholarship

Master Brewers members in good standing are eligible to apply for the Master Brewers Scholarship. The scholarship covers the cost of tuition to the following courses: Brewing and Malting Science, Brewery Systems Technology and Maintenance, and Brewery Packaging Technology.

Visit the Scholarship Provisions page to see if you qualify. The Florida Brewers Guild has partnered with the Siebel Institute of Technology to provide an annual scholarship for the World Brewing Academy Concise Course in Brewing Technology held each fall in Chicago.

Cicerone has been a part of the Canadian beer scene since we launched in 2008,” said Ray Daniels, founder and director of the program. “We are proud to have helped thousands of Canadians begin and advance their careers in beer. At the same time, we’ve been able to help everyone from brewers to retailers improve beer quality and beer service. We believe that all these efforts help to improve beer not only for beer drinkers, but for everyone in the industry.”

Melvin Brewing was born in the back of a Thai restaurant in 2009, when owner Jeremy Tofte decided to bring beers from the future to Jackson, WY. Our 20 gallon brew system quickly grew into a 3 barrel system, and we served our award-winning beers — the original Melvin IPA, 2×4 Double IPA, and Ch-Ch-Ch-Cherry Bomb — with sides of Asian street food, kung fu movies and old school hip hop.

You have the Walt Powell Scholarship

It provides an annual scholarship to Master Brewers members to cover full tuition to the Master Brewers Brewing and Malting Science Course, plus a travel stipend of up to $1,000 to the awardee.
Walt Powell was passionate about great beer. As cofounder of Flix Brewhouse, he brought to life the only first-run cinema microbrewery in the world and made it an over-the-top success.

Creative and innovative, Walt conceived of Firkin Fest, which brought together a dozen craft breweries from across Texas for an amazing day of great beer and great fellowship. Walt was a founder and administrator for Rate Beer, an Internet community of lovers and critics of fine beer. He was a fixture at beer festivals and events across the country and was an active member of numerous craft beer social and trade groups. In honor of Walt, this memoriam will help other aspiring beer enthusiasts make great beer.

Allan H. Selig Scholarship Program

The Allan H. Selig Scholarship Program was created in the name of former Brewers President and Commissioner Emeritus of Baseball Allan H. (Bud) Selig. Funding for the scholarships is the result of proceeds donated by Major League Baseball, from the All-Star Workout Day, part of the 2002 All-Star festivities held at Miller Park. Commissioner Selig has deep ties to Milwaukee and Wisconsin and he has also had a long-term commitment to educational excellence.
Applicants must be graduating seniors from a Wisconsin High School Class of 2019 and accepted to a college or university based in the State of Wisconsin. Selected candidates will receive $2,500, annually, renewable each year for a total of $10,000 over four years.

And also, Pelican Brewing Company brewer, Cat Wiest, is known for brewing beer with a sense of mission and purpose. She’s got an appetite for learning and an innate creativity ideal for innovating award-winning Pelican brews. It is that combination that landed her the coveted 2019 Glen Hay Falconer Foundation Scholarship to the Siebel Institute of Technology World Academy of brewing.

Wiest will be enrolled next February in the World Brewing Academy (WBA) where she will work to earn an International Diploma in the Brewing Technology Program at Siebel Institute of Technology Chicago and Munich campuses. The International Diploma course is a 12-week comprehensive program intended for brewers seeking an in-depth understanding of the technical aspects and practical application of brewing science and technology.

The hallmarks of Pelican Brewing Company beers are quality, consistency, and creativity that combine to create a downright compelling experience. In order to consistently create captivating beer, Pelican annually invests in the intensive continuing education of its brewers and could not be more pleased that one of the Pelican team has earned such a distinct honor.

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