Saving, investing and making money with technology

Tag: money

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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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 Nav.com. “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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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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How to Keep Track of Your Money with Mobile Apps

Everyone is all up in flames these days about saving money. We all talk about it, but nobody seems to be doing it right. And it seems interesting that this would be the case since there are so many advancements in technology which have made tracking money a lot easier for people. Everyone has a smartphone these days and there are so many mobile apps which are made to aid you when it comes to tracking your finances and budgeting your life so that you can start saving some money. Let’s explore some of the things that these apps allow you to do which will aid you in your quest for saving money.

1. You can track your expenses and incomes

One of the main things that is amazing with these money tracking apps is that you can always keep track of your spending. Every time you spend money you just do a few clicks on your smartphone money tracker app and you input all the transactions. Though it might seem like a cumbersome task, it’s actually not at all cumbersome once you see the end product. At the each of every month, or whenever you want to for that matter, you can check all of the transactions that have occurred and look at where your biggest income came from as well as what you spent the most money on. This seems like an immensely helpful thing and it really is in practice since you then know which things you can waste less money on in order to save money.

2. You can budget your spending habits

In connection to that last bit, you can actually create budgets for your spending habits and the apps will always give you notifications to let you know if you’re close to surpassing your budget. Apps will also tell you how much money each day you can spend on a certain spending category without surpassing your budget limitations at the end of the month.

3. You can easily track your loans and debts

We often forget where we’re at with all of our loans and debts in our everyday lives. If you want to have an easier time with those, you might be tempted to install one of these apps. They will allow you to always keep a close eye on how much you owe someone or how much somebody else owes you. It’s pretty useful if you have many friends who avoid paying you back.

4. You can have fun tracking your saving

Many people see finances as a very boring and tedious process. However, with mobile apps such as these, you might even have fun with all the cute icons and graphs that you get out of it. And if you’re not having enough fun with those apps then perhaps you can try a different approach with mobile porn games, which are always a fun way to spend time after hard work.

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How to Make Your Online Business More Profitable

The business world is changing on what feels like a per-second basis. This means there are more ways to make money than ever before, but it also means that growth is harder than ever to achieve.
However, making your business more profitable is about more than just growth.

It’s also about managing expenses so that you can keep margins high and profits expanding.

Fortunately, in the world of online business, there are quite a few ways for you to stay profitable and relevant in an ever-more competitive marketplace.

We’re going to walk you through some of these strategies so that you can apply them to your company and boost profits.
Part 1: Minimize Expenses

Before we look at how to boost profit through growth, let’s take a look at some of the ways you can make your online business more profitable by reducing your expenses.

There are lots of options, and which ones you choose will depend on your business. But here are some of the most effective:

#1: Automate

When trying to reduce expenses to improve profitability, automation is going to be your best friend.

There are solutions for nearly every business function, and they can save you tons of time and money. Here are some of the more common: · Social media automation tools, such as Hootsuite, allow you to schedule posts in advance so that you don’t need to worry about logging in and posting at the right time.

They also provide you with valuable analytics information which you can use to improve the efficacy of your social media efforts over time. · Email automation is a great way to ensure you reach out to people who have purchased from you before or who have left things in your cart. All you need to do is set up the template and choose a few

parameters and the tool will do the rest. Doing something like this on your own would take forever and cost a fortune. · CRM tools, such as Hubspot or Salesforce, among others, that automatically collect information about your customers help you learn more about your audience without having to do much more work.

· Accounting and payroll are important parts of your business, but they can suck up your time and your operating budget. Luckily, there are countless automated tools, such as Quickbooks or Xero, out there which you can use to ensure this part of your business is run as efficiently as possible.

#2: Outsource

Another option besides automation is outsourcing. We live in a digital world, and that means there are countless professionals working in the online marketplace which you can use to reduce the expense of running your business.

Part of the reason this works is because you can take advantage of a global workforce.

The cost of living is less in certain parts of the world, and if you can find some quality people in these areas, you can get great value, reducing the expenses you must incur.

But even if you can’t find people willing to do the same or more for less, outsourcing can still help you save money.

For example, if you have cybersecurity needs, or if you have to run a full-time customer service operation, outsourcing is a great idea because these functions require considerable investments in infrastructure that outside firms are far more capable of absorbing.

#3: Optimize or Delete

Time is money, so examine your business functions one by one to determine if there are automation or outsourcing options, and when there aren’t, the next step is to optimize or delete.

Start by asking yourself if the functions you can’t automate or outsource are really necessary.

It’s quite likely something that made sense a few months or a year ago no longer does.

When you can’t delete, optimize.

There are a number of ways to go about doing this, but it starts by outlining all the steps required to complete each of your business’ primary functions.

Then, engage those on your team to find out if there are any best practices already being used that should be shared, or if there are any things preventing them from being more efficient.

Most people develop their own workarounds to be more efficient, and it’s important everyone in the company have access to this knowledge.

#4: Audit Subscription Services

Recurring costs are a huge drain on your cash flow.
Even if each one is only $10 or $20, this can add up over time, especially if you’re not really using the tool for which you subscribe.

Drop or downgrade services you don’t use.

Many companies offer a free or cheaper version that will save you money, or there may be an alternative that could work just as well without costing you so much money.

#5: Reevaluate Site Infrastructure

Your website is obviously the backbone of your website. As such, it makes sense to pay for good hosting service, especially since we know load speed is a big factor in search engines’ ranking algorithm.
However, just because you need it doesn’t mean you need to spend a fortune.

Check to see if competitors are offering something better, such as a promotional rate for switching, and don’t be afraid to change if you find a better deal.

Another option is to contact your current host to see if you can pay upfront for more service.

Typically, doing this will allow you to take advantage of a significantly discounted monthly rate, so while you’ll pay more upfront, you’ll save quite a bit in the long run.

Part 2: Boost Growth

To grow your business you must invest in it. The saying, “it takes money to make money” exists for a reason.

However, the trick to being profitable is investing in the right things.
This provides you with a better return and it makes the investment more worth while.

Here are some ways you can invest in your business to make it more profitable:

#1: Focus on Organic Traffic

Organic traffic, i.e. search traffic, is one of the most effective ways of generating quality leads.

As a result, if you are looking to improve profitability through growth, start focusing on how to drive more organic traffic to your site.

To do this, you will need to spend some time getting acquainted with SEO.

However, before you start diving into keyword research and doing an extensive link building campaign, spend some time optimizing your current pages. You’d be surprised at how much of a boost you can get just by doing that.

After you’ve taken the time to improve your onsite content, it’s time to start researching search terms for which you could rank, as well developing an approach to building links.

If you’re just starting out, try to go after some long-tail keywords that are less competitive and build up over time.

If nothing else, you can use this new traffic to try and attract and engage followers, which you can use send targeted marketing material that can be quite effective.

#2: Expand Horizontally

If you’ve already got a decent bit of traffic coming to the site, then a good way to boost profits is to expand horizontally.
Think about additional products those that already bought from you might want, and then work to encourage them to make these purchases.

You could do this during the checkout stage by setting up a “People who bought this also bought…” window on your site, or you could even set it up as an automated email that goes out some time after the purchase has been made.

This works great because you don’t need to spend any extra money finding new customers.

Instead, you are extracting more value from your current ones, which will help boost profits without forcing you to incur an additional expense.

#3: Personalize Promotions

Consumers are constantly bombarded with marketing materials, and this means most of the stuff you send out is at risk of being ignored.

As a result, to make your business more profitable, you need to work to get people’s attention, and it turns out addressing people directly and personalizing promotions is a great way to do this.
Examples of personalized promotions include:

· Offers based on people’s past purchase history (something a CRM platform will help you determine). Use language such as, “We hope you liked Product X, and if you did, know that Product Y is currently on sale for ____. Don’t miss out on this great opportunity!”

· Design promotions around specific dates, such as people’s birthdays

· Send messages from a real person and use the person’s name so that it feels less like you’re promoting something and more relatable.

#4 Targeted Marketing

Along similar lines, to make your business more profitable, you should be using as much targeted marketing as possible.

Since the entire world these days in online, you can access tons of information about your audience, and then you can use this to directly target those most likely to respond to your messages.

A great example of this is Facebook and Instagram. Both sites collect tons of data about users, and you can buy ad space that puts your messages in front of the right eyes.

To learn who you should be targeting, take a look at your website statistics and come up with a profile of your ideal customer. Then buy ads targeting people who match this profile.

This approach helps take some of the guesswork out of your marketing efforts, which means less money wasted, more customers, and, of course, bigger profits.

Love the Process

Making your online business more profitable is of course easier said than done.

The strategies we’ve discussed here will certainly help, but the exact combination that will make up your profit-boosting approach will depend on your business, and this means trial and error is really the best way forward.

Start making some changes here and there and measure the results as you go. Eventually, this process will help you uncover the formula that will lead to better margins and more revenue.

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Introduction to Management Consulting

You know, on a recent weekend, I had nowhere to go, no one to meet. It was beautiful. So I went to the grocery store and bought a pack of sugar cookie dough, a bag of natural Cheetos and a bottle of cheap wine. Date night… with myself.

And I promptly drove home, slipped on sweatpants, plopped on the couch and flipped on Bravo. When I got tired of “The Real Housewives,” I switched to “Broad City.” Then I flipped to Netflix and finally started watching “Queer Eye.” I laughed, and I cried. Somewhere in there, I napped. Maybe more than once.

But, I think I’ll stop there, before I really embarrass myself.
We all have guilty pleasures. But there’s no need to feel guilty — especially when you can turn them into cash.

You know, each year management consultants in the United States receive more than $2 billion for their services.1 Much of this money pays for impractical data and poorly implement recommendations. To reduce this waste, clients need a better understanding of what consulting assignments can accomplish. They need to ask more from such advisers, who in turn must learn to satisfy expanded expectations.

This article grows out of current research on effective consulting, including interviews with partners and officers of five well-known firms. It also stems from my experience supervising beginning consultants and from the many conversations and associations I’ve had with consultants and clients in the United States and abroad. These experiences lead me to propose a means of clarifying the purposes of management consulting. When clarity about purpose exists, both parties are more likely to handle the engagement process satisfactorily.

If you love watching anything and everything on TV, consider signing up for a service that’ll pay you to watch videos online.
There are a couple options out there, but we suggest starting with a reader favorite, Swagbucks. Run by a company that’s A-rated by the Better Business Bureau, Swagbucks is a rewards site that’ll pay you to watch videos.

Pick your favorite genre: cooking, celebrity gossip, politics or fashion. For each video you watch, you’ll earn SBs, which you’ll exchange for gift cards to big retailers like Amazon, PayPal or Walmart. You could earn up to $90 a month watching Swagbucks videos.

Heck, you can even mute the videos and open Hulu in another tab.
Bonus: You’ll snag $5 when you sign up.

Thousands of professionals have dreamed about starting their own consulting business. It seems like a great career path: Hang a shingle, bring in clients, be your own boss, do awesome stuff and make bank.Yet consulting, as it turns out, isn’t sexy, glamorous or easy. It’s downright hard — harder than you might think. I encourage anyone with the moxie to start a consulting business. But I also offer cautions — a few “yield” signs that could save you a lot of grief and get you closer to achieving your dreams.

If you’re a seasoned entrepreneur, you’re likely expert at something other entrepreneurs need help with — be it complex accounting issues, or how to market an app to customers. So, the odds are high that someone out there will not only value your expertise, but be willing to pay for it.

Consulting.com breaks business down to basic building blocks (like Lego) and tells you how to assemble them for success.. Get proven processes, gain laser-like focus, join a community of entrepreneurs and reprogram your brain for superhuman ability. And they teach how to start a photography business the right way.

You Pass Hours — Sometimes Days — Playing Video Games

You spend hours trying to get to the next level, but guess what? You can play games and take your savings to the next level.
OK, that was a cheesy line from someone who’s obviously not a gamer, but listen: Blast is a savings app for Android made by gamers for gamers. It allows you to save, earn and win cash for playing games.

It works with every game in the Google Play Store, as well as top PC games, including Counter Strike Global Offensive.
The app is free, with no hidden fees.

And after all, how many times have you been stuck on a complex issue you knew could be solved by someone who’s already “been there”? You certainly aren’t the first (and you won’t be the last).
And, let’s face it, there are times in almost every entrepreneur’s business journey, particularly at the start, when some extra cash could come in handy. So, how can you parlay your wisdom, knowledge and experience into a paycheck without sidelining your ambition?

Management theories cannot be tested in laboratories; they must be applied, tested, and extended in real organizations. For this reason the most creative consulting companies balance conflicting demands between short‐term business development and long‐term knowledge creation.

Knowledge management as a conscious practice is so new that there are few successful models for executives to use as guides. In this excerpt from their article in the Harvard Business Review, HBS Professors Morten T. Hansen and Nitin Nohria and colleague Thomas Tierney of Bain & Company reveal two key KM strategies — codification and personalization — and their use among consulting firms.

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4 Strategies to Win Big in Online Poker

Online poker tournaments make competing easy for amateur players. You won’t have to drive far away from your home, and the buy-in is affordable for anyone. In 2003, Chris Moneymaker was the first person who qualified online to win the World Series of Poker (WSOP) Main Event. The entrance fee for the satellite tournament he entered was less than $100, and he got $2.5 million. Anyone can play poker, but you need to learn all the ins and outs of the game before you can win consistently. Here are some strategies to help you win big in online poker.

1. Be Prepared to Play for a While

Online tournaments often start with huge fields of players, and they can take several hours to complete. If an event starts in the evening, you should be prepared to play for most of the night. Make sure you can get plenty of sleep, and don’t schedule anything important on the day after a big tournament. You could need that time to sleep. Poker strategy is mostly mental, not physical, but staying fit, exercising, and eating healthy foods can give you more endurance than other players. You’ll be less likely to make mistakes because of fatigue.

2. Be Patient

Every poker player wants to stay in the game and try to win, but folding can be a much smarter decision. You should fold more hands than you play. That way, you won’t have to risk much of your bankroll without a good chance of winning. Playing is more exciting and entertaining, but you can learn how other players behave by observing hands after you fold. You can find out who bluffs most and whether players have tells by waiting patiently to see how several hands play out. That way, you can make the best decisions about whether to fold.

3. Make Sure You Have Some Extra Cash

In many online games, wealthy or successful players can call your raises with huge holdings, forcing you to fold. To avoid this, you should always have much more than the minimum buy-in available. For example, if the minimum is $20, you should have about $4,000 to keep wealthier players from beating you. Having some extra cash also lets you take a few losses and be prepared to come back during the next hand and win. Just make sure you don’t risk a lot until you bet some experience.

4. Use Poker Software

Many computer programs can help you analyze the behaviors of other players. Poker replayers let you replay a hand or an entire tournament to learn more about your opponents. Many programs can also color-code players based on their strength or provide a heads-up display (HUD) with detailed information. You can also take notes or use software to help you play multiple hands at once.

Starting as an online competitor can be challenging, but you can become a winner with smart strategies and practice. Concentrate, keep improving your skills, and remember to have lots of fun.

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How to Find the Best Lender

What type of loans do you offer? What are the qualifying guidelines for each?

Since there are many different types of mortgages, including:

Fixed-Rate

Adjustable Rate

Federal Housing Administration

Veteran’s Association

Things You Need to Know About Home Loans

Everybody’s dream is different and there’s no one-size fits all mortgage solution for everybody. You may prefer a shorter term loan with bigger payments and lower interest rates, or a longer term home loan where you pay more interest over time but the monthly payment is lower. Each mortgage agreement has its own pros and cons, and it’s up to you to weigh it all before you sign on the dotted line and get the keys to your dream house. Buying a house is the biggest purchase most homeowners make, so here are some insights and some peace of mind.

Knowing What to Look for When Choosing a Home Loan

Take a deep breath and kick back for a second. Signing a mortgage, especially if it’s the first time you’re buying a home, is one of the biggest financial decisions you can make in your life and it’s not something you should rush into. You can relax though, knowing that you’ve done your homework.

The Associates Home Loan of Florida is committed to providing their clients with the highest quality services available in Florida. Their outstanding professionals will work with you one on one to ensure that you get the loan solution that is tailored specifically to meet your needs. Whether you are purchasing your dream home, purchasing an investment property, refinancing an outstanding loan, or consolidating debt, and they can get you a loan after bankruptcy. Because they have a highly experienced team of mortgage advisors that can help you no matter what your needs are.

Bigger payments or more interest?

You know, one of the central questions when considering any loan, especially one as big as a mortgage, is length of term versus size of payments. If you put down a bigger down payment and agree to bigger payments over a shorter loan term, you will pay less interest over the lifetime of the loan. That said, you will also have a higher monthly payment, so make sure this is something you can keep up with. The central question in this calculation is whether or not you’d prefer to pay less interest over the loan term, or would rather have somewhat more interest over a longer term, in exchange for a monthly payment that’s easier to make. This is a decision only you can make, and one that’s best done after taking a comprehensive look at your finances, long term plans and the mortgage lenders and rates available.

Fixed vs Adjustable rate home loans

With a fixed rate mortgage, the monthly payments are locked in for the entire loan term, which can help you plan your month-to-month expenses. A variable rate mortgage can adjust in keeping with changes in mortgage rates, potentially saving you money on the interest during the repayment period. Consider which is best for you, and don’t rush it.

Depending on your lender and the type of loan you choose, your required down payment can range from 2.25% to 20% of the purchase price of the home. Establishing a monthly budget will help you put away enough money for your down payment.

Once you’ve assessed what your budget will support, consider having money automatically deposited from your paycheck or bank account to a savings account to make it easier and more convenient to put aside money each month. An account like Discover Bank’s AutoSavers Plan can help you start saving today.

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3 Tips to Maximize Compensation in an Accident Injury Claim

If you’ve been in a road accident that resulted in personal injury, you know the challenges of dealing with such a situation—overwhelming medical bills, immobility, disruption in personal life, loss of employment, loss of personal property, and continued emotional suffering.

While going through the trauma of dealing with severe injuries or losing a loved one to an accident, you should not have to worry about your finances, which is why it’s important to avoid mistakes that could jeopardize your fight for fair compensation.

Ensure that your injuries are well documented

Many times, unless the injuries in a road accident are severe, victims tend to avoid seeking medical treatment. In such cases, it becomes extremely difficult for them to claim compensation should an internal injury or health problem surface later because of the accident.

Don Ernst from ErnstLawGroup.com explains that the best way to receive compensation from an accident is to have your injuries documented by a doctor. Self-documentation does not work, and your medical insurance company will most likely deny your claim in the absence of proper medical records.

To protect your right to receive lawful compensation for your suffering, it’s essential that you visit a qualified doctor immediately after an accident and maintain proper medical records, including bills, prescriptions and test results. In addition, avoid telling the doctor that you feel fine, as this might work against you in case of a claim. Instead, allow the physician to examine you and order any tests they may find necessary.

Hire an experienced road accident lawyer

Having access to sound legal counsel can make a tremendous difference in the way the insurance company handles your claim and the amount of compensation they end up awarding to you. An attorney who specializes in personal injury claims arising from traffic accidents will have the knowledge and expertise to investigate your case and collect evidence, develop a strong case, and do everything to maximize the compensation due to you.
Whether your claim ends up in an out-of-court settlement with the defendant or goes to trial, working with a good personal injury advocate will ensure your rights are protected and the guilty are brought to book.

Don’t accept a settlement that appears generous but really isn’t
Often, accident survivors or victims’ families tend to settle for the first amount offered by an insurance company so that they can move on with their lives. This usually happens because, even if the sum offered may not be fair, it appears generous enough or meets the victim’s immediate medical and other costs.

In the absence of legal advice, personal injury victims fail to take into account future damages such as loss of work due to prolonged recovery period, emotional damages, loss of personal property such as cell phone or laptop damaged in the accident, cost of travel to medical clinic, and many

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