Archives for May 2018

The Quick Guide for Budgeting As An Expat: 4 Big Points to Keep in Mind

If you’re living abroad to provide a better life for your family, chances are money is always on your mind.

And why not? From dealing with different currencies to adjusting to a totally new lifestyle, budgeting undoubtedly represents a major roadblock for the majority of expats out there.

But beyond understanding where your priorities should lie in terms of how you should save and spend abroad, how else can expats ultimately keep more money in their pockets?

We’re glad you asked!

In this quick yet comprehensive guide, we’ve outlined some pointers to squeeze the absolute most out of your budget while living abroad. Although some of these tips might seem like no-brainers, the combination of each of them will ultimately allow you to live your life to the fullest in a new country while also sending more money home.

Understand Your Remittance Requirements

From fees and taxes to exchange rates and beyond, there’s a difference between sending money back home to Colombia or any other remittance-reliant country. While you obviously want to earn as much money as you possibly can, don’t neglect the dollars and cents you could potentially lose (or save) through how you’re sending you cash.

On a related note, you need to sort out exactly how much to send home based on your family’s living situation. Whether it’s a dollar amount or percentage of your income, there should be a defined balance that keeps both parties comfortable. Of course, everyone’s situation is different so there is no one “right” way to decide this: it’s a compromise between everyone involved.

Research the Cost of Living

Speaking of comfort and compromise, where you decide to settle down has long-term implications regarding how much you can save and what sort of job you can land.

For example, staying in the suburbs is obviously a cheaper option; however, living in a major metro area might mean access to better-paying work and a lessened need for transportation.

Again, it’s all about finding balance.

Perhaps the top priority of any given expat is reliable, long-term employment during their tenure abroad. As long as you’re living somewhere that offers such job security, you’re golden. Beyond that, tools such as this cost of living calculator can be eye-opening if you’re trying to pick between two cities to settle down in.

Iron Out Your Essentials

While you might be laser-focused on the well-being of your family, don’t neglect your own essentials in terms of staying happy, healthy and otherwise safe in your new home. During your initial adjustment period, understand how the following essentials fit into your monthly budget:

  • Groceries and eating out can quite literally eat away at your funds is you don’t spend wisely: opt for home-cooked meals that remind you of home and packing your own lunches whenever possible

 

  • Although you likely won’t have to worry about your own vehicle and insurance, you might want to think about investing in a bike before assuming public transit is your best bet

 

  • Given the high cost of healthcare in the United States for the uninsured, some form of coverage is pretty much a must-have for avoiding a disastrous “what-if” scenario financially

Now, once you’ve sorted out these expenses you can start to think about how you’re going to spend your discretionary income.

The good news is that keeping both entertained and connected in the States is relatively cheap. If you’re in a major metro area there are endless free things to do on a daily basis; meanwhile, an Internet connection and streaming services can keep you up-to-date on your family’s happenings as well as your favorite entertainment.

Fall Back on Your Emergency Fund

There are tons of “rules” and suggestions for determining how much to save for emergencies, but bear in mind that such percentages are merely suggestions. Saving a few hundred dollars per month for emergencies might not be realistic for some; meanwhile, sticking to a hard percentage could likewise result in an unnecessarily large sum that just sits there.

That said, stowing some money in a savings account is always a good idea in an attempt to plan for the unexpected. A good rule of thumb would be to simply save as much as you can at the end of the month and put away what’s left over rather than needlessly spend it.

For those living the expat life, money is always a huge area of concern in terms of your day-to-day life. That said, reigning in your budget sooner rather than later can not only provide you some much-needed peace of mind, but also a better quality of life for you and your family. If your current budget looks like a bit of a mess, the pointers from this guide can help you reign it in ASAP.

8 Ways To Reduce Plastic Use And Save Money In Your Office

There are two parts to this article, reducing plastics and saving money. Luckily they both overlay in a lot of ways. Let’s talk about reducing plastics first.

There is so much plastic in the oceans that in a few years we might have 1 lb of plastic to every 3lbs of fish. If that doesn’t terrify you, think for a moment how much plastic weighs. Now are you scared?

Outlaw, ban, refuse, bribe or whatever it takes to get rid of water bottles

Here’s a few figures about water bottles.

Americans used about 50 billion plastic water bottles last year. On average each person in America used 167 bottles a year; one every two days. But of that amazing number, only 23% were recycled. You know where the rest went.

Making those bottles used enough oil to fuel 1.3 million cars for a year. Oh and by the way, if you were to drink 8 glasses of water a day from the tap, you would spend about $.49 per year. If you have $1,400, yes $1,400, you could buy all that water in bottles.

And the saving money in the office thing…?

The answer is a water-cooler. No matter which way you look at it.

Use crockery, glasses, knives and forks

Yes, we know that they have to be washed, but you could invest in a nice energy-saving dishwasher. People manage to put their stuff in the dishwasher at home. Explain why you’re doing it in the office. People don’t want to use plastic, give them a way to avoid it.

Encourage recycling

Make it easy for people to recycle. Put bins around the place. Make sure that the office cleaners recycle what has been placed in the bins. Put up clear signage about what you can recycle and what you can’t. Even plastic bags can be recycled now.

You shouldn’t need a sweater in the office in summer

If you have control of the temperature, then take it up a degree or two. Each single degree rise in the office temperate equates to a saving – maybe as much as 10%. No one wants to have to go outside to warm up.

You should need an extra layer in winter

In winter it is supposed to be a little cooler. An extra layer should be needed. Walking around in shirt-sleeves when it’s below freezing outside is costing your company.

Ok, back to plastics and costs

There was an element of soap-box in the above two points, but really… anyway, another way you can save money and reduce plastic is by reducing the amount of plastic in promotional goods. Companies like custom earth promotions have thought of ways in which you can still be generous to your customers without increasing our dependency on fossil fuels.

Offices make such a difference

To rid our oceans of plastic we all have to care, and offices can make the difference – multiplied by the number of staff. Won’t you join in?

 

5 Bad Habits You Need To Kick For The Success Of Your Business

Entrepreneurs keep increasing by the day as some follow their passion while others are pushed to it by necessity. For a budding business owner, the growth of the business is crucial as it’s what makes you compete with the rest in the industry.

We all know that the major setback for a new business is funding among other things. Before starting out, consider your financing options. The priority is using your savings, borrowing from family and friends. However, all these might not be enough which pushes you to look for external sources. Personal loans are an option and some offer great interest rates compared to banks. SoFi is a great avenue for such as they have a provision for both fixed and variable interest rates.  A SoFi personal loan review would help you get more insight.

Besides financing, once your business is up and running, there are a few things that business owners do that may reduce the success rate of their businesses. What bad habits do you need to stop for your business to grow?

1. Being too obsessed with growth

Growth is not a bad thing. However, sometimes, you may be too caught up with trying to grow your business such that you forget to value your customers. It may turn out that you obsess and spend every single day trying to make it grow. In actual sense, valuing your customers and ensuring that the service delivery is top notch may be the key towards the growth after all. Give your customers a reason to come back every time they purchase something from your store.

2. The art of Procrastination

How many times have you postponed something saying you will work on it another day? Many? Countable? Once? Well, procrastination can be too detrimental to your business if you don’t tackle it early enough. If carefully analyzed, you will find that has caused you a few if not more clients. Making follow-ups to clients is a great way to ensure that they refer their friends to you which means more sales for you. Your business could be the demanding ones that take up your time, but it’s essential to have a schedule which will help you track everything you need to do and when.

3. Micromanaging your employees

People have different personality types. As such, you may be the controlling type, perfectionist and wanting things done your way. However, micromanaging your employees  makes them feel like you don’t trust them at all. This demotivates them which could end up hurting your business. Understand that you hired them for a reason. Help them grow as they grow your business. Learn how to delegate duties, give them space to work on them without you regularly checking on them and encourage the art of teamwork. When hiring, ensure that those you hire have the same vision as your business. Such a move helps in the growth of the company without a doubt.

4. Spending money before receiving

Some people will often make the mistake of spending money even before they receive it. You have recently landed a contract for supplying building equipment to a particular company. You are too excited about the deal such that you take your friends out for celebration even before you start the supply. Then, you get a call from the company saying that they have changed their mind. How do you recover the money spent with your friends? Know how to manage your finances, use it wisely and see your business grow.

5. Resisting Change

Change is inevitable in business. How many occasions have you had an employee come up to you and suggested a change in a particular aspect of the company and you decided not to go with their idea? You may be the block towards your business’s growth. Be open-minded and learn to try new trends in the market. Change with the changing technology so as to keep your business up-to-date with the rest of your competitors.

Your business is your brainchild, work on its growth. Have a plan on the whole process. Kick the above habits away, and you will be headed in the right direction.

 

13 Of The Top Things To Do And See In France

If you plan on visiting France in the near future and need a little help when it comes to putting together your travel itinerary, lodges in France has great ideas to discover a list of must-see attractions and sites to consider visiting.


The top things to do and see in France:

1. Skiing

Whether you’re an avid skier or have never put on a pair of skis in your life, it’s well worth visiting at least one of France’s world-class ski resorts. All of which offer runs to suit beginners to expert skiers and snowboarders. If you’re interested in vacationing at a French ski resort, you may be interested in visiting the French Alps. Examples of some of the most highly rated ski resorts in France include Courchevel, Les Arcs, La Plagne, Isola 2000 and Grand Massif.

2. Visit a Laduree boutique in Paris

Whilst in Paris, it’s well worth visiting one of the many Laduree boutiques in Paris, where you’ll be able to hand select a box of delicious, brightly colored French macarons. If you’ve never heard of Laduree, Laduree is a world renown French bakery which has been producing the finest macarons in Paris, since 1862.

3. Parc Asterix

While France is home to its own Disney park, Disneyland Paris, if you’re looking for a French take on an amusement park, it’s well worth visiting Parc Asterix, which is located just outside of Paris. Parc Asterix is themed around the popular French series of comics Asterix, which revolves around a plucky village of Gauls, who resist being taken over by the Romans. Parc Asterix boasts 35 thrill rides and is known for featuring several hair-raising roller-coasters!

4. The Palace of Versailles

If you’re interested in touring one of the most opulent, grand palaces in France, it’s definitely well worth exploring the Palace of Versailles which was originally built by the French emperor Louis XIII in 1624 and features sprawling gardens which are famous for their massive water fountains.

If you choose to visit the Palace of Versailles, make sure to head straight for the Hall of Mirrors, which is the most photographed room in the palace and which happens to be the room where the Treaty of Versailles was signed, by the heads of states of England, the USA, and France at the conclusion of World War I.

5. The Eiffel Tower

While most tourists, flock to the Eiffel Tower during daylight hours, it’s well worth visiting the tower after sunset as every hour the Eiffel Tower will be illuminated for a short light show. Which is well worth watching during your French getaway.

6. Puy de Foy

While Puy de Foy is marketed as a historical theme park, Puy de Foy has more in common with a living museum than a theme park and is known for its daily historical reenactments. Each year approximately 2 million domestic and international tourists flock to Puy de Foy in order to explore the park’s various sections, each of which has been inspired by a different historical period.

As examples, Puy de Foy which is located in western France offers a Viking themed area and multiple areas which have been themed around life in France, throughout the course of France’s fascinating history.

7. The Louvre

Whether or not you’re a fan of art galleries and museums, it’s worth visiting the Louvre as it is home to masterpieces from a wide array of talented artists. Examples of which include Monet, Manet, Picasso and Van Gogh.

8. Wineries

As France produces the world’s best quality wine, it’s well worth touring a few French wineries, during your trip. Better yet, on your tour, you’ll be able to purchase a bottle or case of your favorite wine, in order to take home as a souvenir. Depending on the wineries which you visit, you may even be able to enjoy lunch, with views of a picturesque vineyard. Which may include fresh local produce such as locally produced bread and cheese.

9. The River Seine

If you plan to spend at least one day in Paris, it’s well worth taking a scenic river cruise on the Seine River, which runs through the middle of the heart of Paris.

10. The French Riveria

If you want to mix and mingle with A-list actors and some of the world’s wealthiest socialites, it’s definitely worth visiting the sunny French Riveria, which is located on the southern coast of France. Two of the most popular spots to visit on the French Riveria are Monte Carlo Cannes, Saint Tropez. Both of which boast world, beach class resorts which offer spectacular ocean views.

11. Arc de Triomphe

Aside from the Eiffel Tower, the Arc de Triomphe is definitely one of the most recognizable monuments in Paris. The Arc de Triomphe was opened in 1836 and was built to commemorate the victories of Napolean Bonaparte. If you’re looking to locate the Arc de Triomphe, you’ll find it on the western end of the Champs Elysees.

12. The Notre Dame de Paris

The Notre Dame de Paris holds the distinction of being the most recognized church in Paris and is featured in the classic book “The Hunchback of Notre Dame” which was written by the French writer Victor Hugo back in 1831. If you’re curious, construction of the Notre Dame de Paris began in 1163.

As you walk up to the Notre Dame de Paris, you’ll instantly recognize the Notre Dame due to its distinctive medieval architecture. When you get closer to the church you should be able to recognize a few of the gargoyles, which stand watch over the Notre Dame de Paris.

13.The Place de la Concorde

The Place de la Concorde is an 18th-century plaza which is located in Paris and which was the site where countless public executions once took place. Today tourists flock to the plaza in order to view the Egyptian obelisk which stands in the plaza as well as to view the plaza’s collection of grand fountains and statues.

So what are you waiting for? It’s well worth visiting as many of the top-rated French attractions and sites listed above as possible on your upcoming trip!

 

What You Need To Consider When Selecting a Scaffolding Firm

Scaffolding plays a key role in construction sites. It offers support to workers during the project. It also provides a support platform for building materials, tools, blocks, bricks and stucco. As a contractor, you need to find the right scaffolding type depending on your project needs. There are lots of companies offering scaffolding solutions in the UK. Determining the right company can be a bit tricky. Here are tips to help you choose the right scaffolding company.

Safety

The first thing any professional scaffolding company should provide is safety. Considering that you will be constructing at high heights, it is vital to ensure that safety is guaranteed. How well is the company prepared to provide safety? You can check on its credentials to determine this. A reliable company should be recognised by accredited bodies and authorities.

Consider the cost

You should have a budget for hiring scaffolding services. You need to shop around for the best scaffolding. With hundreds of companies offering these services, it is advisable that you compare quotes. The easiest way is to search online.

Experience

There are different types of scaffolding constructions; some of them are more complex. Before you hire scaffolding services, consider the complexity of your construction project. Does the company you intend to hire have the required resources? Do they have the expertise to construct the required scaffold? How long has the company been providing scaffolding services?

Trustworthiness

Trust is another key factor to consider when hiring a scaffolding service. It is advisable that you consider the reputation of a company before hiring its services. The best way to find a trusted company is to read reviews and testimonials. What are other people’s experiences with the company?

Location

Where is the scaffolding company located? When searching for scaffolding services, choose a company within your reach. Choose a company you can visit for a consultation. Choosing a company near you also guarantees fast and reliable services. For contractors in Sussex, you can compare nearby companies to select the best company for scaffolding in Sussex.

Insurance

Legally, UK scaffolding companies are required to be insured. However, there are unlicensed and uninsured companies operating illegally. How is the company prepared to handle insurance cases in case of emergency? As a contractor, you can ask for an insurance policy to check on the kind of insurance coverage they offer.

Finally, ask any questions you may have in mind. Enquire more about the scaffolding services until you are satisfied. You can also discuss your specific project. The scaffolding company will, in turn, prepare how best to construct the scaffolds. Avoid loss or damage on your construction site by hiring the best scaffolding services in Sussex.

Image: pixabay

What You Should Really Expect When You Get A Tattoo: Your Top Questions Answered

Getting a tattoo has its rewards, and that’s the main reason why many people get one. If you feel deeply about something or someone, one of the best ways to showcase your feelings or ideals would be to get a tattoo. Tattoos have become so ingrained in our culture that you can hardly see a person without one. But if this is your first time to get a tattoo, you should know what to expect and how to prepare for it. Here, then, is what you should really expect when you get a tattoo: your top questions answered.

Yes, it hurts

It’s best to have realistic expectations from the start; there’s no sense deluding yourself that it will not hurt. Yes, it does hurt, but the good news is that it won’t hurt as much as you think. It’s not an unbearable pain, otherwise, no one would get one. The feeling of getting a tattoo has been likened to a kind of scratchy yet tingly (kind of electric) sensation.

The length of time it takes

There’s more good news: if you are planning to get a really small tattoo, it won’t take too long – in fact, it could take no more than 10 to 15 minutes. But standard-sized tattoos will take longer, and you would have to stay still during the whole period. If you are getting a large one, there will be breaks. One thing you can do during this time would be to practice breathing exercises similar to what people do when they are meditating or doing yoga. This will help you relax and sit still.

Let them know  

If you’re scared or anxious, don’t be afraid to let the artist know. They deal with scared or nervous individuals all the time, so they would know what to do if you feel that way. They can, for instance, explain the process in more detail so you know what to expect.

Here’s one more thing to remember: if you ever feel dizzy, nauseated, or confused, let the artist know as well. Always be honest about what you are feeling, and don’t try to ‘hide’ the pain with a brave front, especially if you are feeling something unusual.

When all is said and done, you’ll have a great tattoo which you can really be proud of. All it takes is a bit of sacrifice and patience, but the result should be more than worth it. Don’t forget to take care of your tattoo as well – aftercare is very important, and your skin should be properly moisturised. A good tattoo moisturiser will often do the trick, but you can benefit from other special tattoo products such as exfoliating body washes and body oils as well.

How To Simplify Your Home Life?

Simplifying your home life can appear a daunting activity with working life taking its toll on you. Work life and several commitments at work can often derail your plans that you had structured in order to look after your home life. Developing a habit to carry out a regular check-up at home can save you from so many hurdles that may arise in the later stages if things get ignored. Like with other major life changes, several to-do steps will develop to become a habit before you reap the biggest rewards, but persistence is the key.

Here are a few steps to minimize your struggles and simplify your home life:

  1. Let go of what you don’t need because you really won’t need it

It can be a soul-crushing experience but if you are reading this, you are probably in need of enough uninterrupted time to devote yourself to the process of simplifying whatever you own. Let it go, if you don’t need it. Stick to this mantra. Make progress, step by step. You don’t have to get rid of unwanted items in the house in one go. Think how having some extra money to put away towards savings each month can lift your spirits! You can sell everything that is of little consequence to you and is only taking up extra space in your house, on several online portals. Don’t miss the chance!

  1. Invest in storage solutions, it will be worth it

Getting your stuff organized is equivalent to getting yourself together. You should consider investing in environmentally friendly wicker baskets. They come in all shapes and sizes and you can find various styles of them for use in different rooms of your home. Have different baskets for the pantry, laundry room, bathroom, kids’ rooms and the guest bedrooms. These baskets come in so many cute designs, and they are a real storage asset for your home.

  1. Ace at the art of minimalism, step by step

It’s 2018! Consumerism is at its peak and we are worrying about our environment more than ever! Making an aesthetic choice of opting for minimalism can make all the difference. Who doesn’t need less stress on a day-to-day basis, and less distraction with all the luring products in fancy showrooms? Less waste produce is also a pro of leading a minimalistic life. The Japanese are the masters of minimalism and have practiced the art for centuries. The influence of Zen Buddhism has resulted in a desire for simplicity. For them, less is more. And they’re said to be happier and more content than anyone.

  1. Get a coverage plan, you will be grateful for having it

You may have believed that you are not in need of any additional coverage from a home warranty plan but you will have been wrong all along. Not to be confused with homeowners’ insurance plans, home warranty plans protect you from unexpected costs associated with breakdown, damage or deterioration as a result of the normal use of the appliances and heating/cooling systems in your house.

You must bear in mind that protection against unexpected damage, such as hurricanes, lightning strikes or fire is vital. These unforeseen calamities are almost unpredictable and can often leave us in denial. But to provide financial security, getting proper insurance coverage should be the first and foremost priority.

  1. Be persistent and get things done right when they need to be done

Make lists. Make checklists. Tick it off when it gets done. Know well in advance what you ought to do and when. Work hard at carrying out each task listed on the list that you make. Set reminders on your phone calendar. Stop being complacent and face your daily tasks head-on. Be persistent and make sure the jobs get done.

It can be challenging to carry out all the household chores with utmost efficiently when your working life is wearing you down. But don’t be overwhelmed and remind yourself kindly that nothing deserves more care than your own work-life balance. One delay will lead to another. It’s all a vicious circle in the end.

The key to make the actions work is to do them consistently. Starting with what is needed will put you well on your path to a simpler, slower and more sorted life.

 

 

 

4 Benefits Of Regular Drain Inspection

Many people do not think of getting their drains inspected and this can lead to a number of different problems. Due to the fact that drains can have many problems, plumbing companies offer sophisticated methods of drain inspection, such as using cameras, so that’s definitely the way to go if you suspect your drains might be clogged or damaged. If you call a plumber, you will save on cost and catch the issue before it causes home damage and even health risks. Here are 4 benefits of regular drain inspections.

Lower Risk of Leaks
When you have a plumber come out to your home to do drain inspections in the Toronto area, he or she will do a thorough check of your drains. They will inspect for any leakage and ensure that the pipe drain is secure. If you do not have your drain inspected, it could lead to leaks, which could impact your flooring as well as your foundation – many homeowners have ignored their drains only to find later that they must replace their flooring or have foundation repairs.

Lower Chance of Odours
Over time, debris can build up in your drain line and cause some bad smells, which can in turn start to permeate throughout your home and you may not know exactly where they are coming from. People have spent many days looking for the source of the stench, never being able to find it, which is doubly embarrassing if you’re planning on inviting over guests this summer. For this task, you’re going to want the best plumber Toronto has to offer to come in and inspect your drain, getting rid of any debris that may be causing the odour – who wants to live in a stinky house, after all?

Detecting and Removing Blockages
You may think that your plumbing is fine and that it does not have any blockages, but the truth is that it very well could: the blockage may just not be severe enough yet to cause problems. During a drain inspection, your plumber will look through your pipes and detect any issues with blockages, and once detected, these blockages can be removed quickly, saving you time and money.

Detecting Corroding Pipes
Over time, your pipes can begin to corrode. Corroding drainpipes can lead to leaks and the eventual failure of your drainpipe, and you may run into some extensive repair and expense if you leave this issue. In some cases, people have not noticed the corrosion in their drains until the drain fails, and dirty dishwater comes out all over their floors, which sounds like an absolute nightmare to clean up, in addition to being dangerous to your health and detrimental to your floors.

If you want to save money and ensure that your plumbing drains are working properly, you should call a plumber to do a drain inspection. These inspections will help to determine whether your drains are functioning at optimal capacity. Failure to have a drain inspection can leave you with an expensive repair bill, so save money and set up a drain inspection today.