#1) work a flexible schedule with 9 hour days one pay period in order to get a day off for 'free' (this is how i'll get black friday off) | Explore Tumblr posts and blogs

blog-sportsupdatenews-blog · 6 years ago

Text

The best way to enjoy the actual 2019 March Madness With no Cable television – Acquire Everything

The best way to Observe March Madness 2019 Live Stream On the internet – Acquire Every detail

March Madness can be shutting inside and also growing in excess of people, so it’s about time all of us find anxious about the particular spectacle the actual gamer are likely to deliver all of us because match kicks off. Consequently, in the event that you’re looking towards enjoying the actual 2019 March Madness on the internet, could simply just in which it is best to seem.

Your NCAA Department My spouse and i Men’s Baseball Event, which is also known as March Madness takes place each and every spring in America. The tradition extends back to help 1939 when only ten teams was in the levels of competition. From the time that next, the amount is growing to help 68 clubs that may enter this 2019 competition. The very first several is going to be played out between the four lowest-seeded automatic qualifiers and also the several lowest-seeded at-large squads, with the those

Who win evolving towards major sketch on the competition.

Any time to view March Madness?

Based on the schedule produced so far, all this commences about March 19 all of which will stop in April eighth. Here’s this list of functions that are to take place prior to these kinds of dates.

Celebration Time frame Location

Initial 4 19 – 20 March Dayton, Oh

1st & 2nd Rounded 21 & 12 March Hartford, Connecticut

Des Moines, Iowa

Jacksonville, California

Salt Sea Metropolis, Utah

twenty-two & all day and March Columbia, South Carolina

Columbus, Oh

Tulsa, Okla.

San Jose, Florida

West Regional March 28 & 30 Anaheim, California

South Regional Louisville, Kentucky

Distance Regional March up to 29 & thirty-one Oregon, Deb. H.

Midwest Local Kansas Area, Missouri

Ultimate A number of Apr 6 Minneapolis, Minnesota

Title 04 8 A final will need place in the Ought . Azines. Standard bank Arena within Minneapolis, Minnesota, the actual fortieth location to be able to sponsor the wedding. As being a fun fact, on the site of the brand-new arena, at this time there were standing the particular Hubert H. Humphrey Metrodome which usually did sponsor the final Some within 1992 and 2001. Record the state bracket intended for much more messages.

Where you should Enjoy March Madness?

Enjoying the game this particular returning March won’t be way too hard to accomplish due to the fact you'll find countless programs that you can check out in. In short, the CBS Sports along with Turner Activities would be the sites which have your broadcasting protection under the law, meaning CBS Sports, TBS, TNT, in addition to truTV. This video game titles are to be televised as such:

Initial 4 – upon truTV

Very first and also 2nd Models – on CBS, TBS, TNT, as well as truTV

Local Semifinals as well as Finals – CBS and TBS

Remaining 4 – upon CBS

Tournament – on CBS

How to View March Madness Devoid of Cable connection?

Individuals are generally numerous alternatives to watch the actual golf ball video games this time around as well as hopefully you’ll exploit all of them. Luckily, these include programs which have been easy to find online also.

For those who have any wire deal that also includes these several programs, you’ll be capable of check out the are living for with the aid of the cable qualifications. There’s in addition the option associated with making use of surging providers which characteristic live TV programs, which are aplenty. Plus, this can assist you to discounted vinyl flooring and also cut your cable, hence gaining tons of independence to view TV anywhere you will be – so long as you produce an Internet connection along with a works product.

Loading Products and services

Mentioned previously, you will discover quite a few internet products and services readily available these days, and also they’ll most offer many routes we’re sure you’ll like to check out. In addition, you will discover loads of various other added benefits involved, along with the flexibility that accompany seeing written content on-line.

FuboTV

Fubo TV Overview

Lots fubo ($34. 99/mo primary month, $44. 99/mo after), fubo More ($39. 99/mo 1st calendar month, $49. 99/mo after), fubo Latino ($17. 99/mo), fubo Portuguese ($19. 99/mo)

Creating to order Added funnel packages, Showtime

Unit assistance Roku, Apple TV, Amazon Fire TV, Android TV, iOS, Android, Chrome cast, web browser

DVR 35 time, unrestricted time storage space, expandable for you to 500 hrs by using more element

Trial offer Sure, one week

Visit fuboTV

Towards the top of the particular checklist, we have now fuboTV, any program that has been fashioned with sporting activities followers in mind, offered the actual many sports programs obtainable. It is possible to choose among a number of lots to start off – fubo ($44. 99/mo, $39. 99 with the initial month), fubo Added ($49. 99/mo, $44. 99 for that very first month), fubo Latino ($17. 99/mo), along with fubo Portuguese ($19. 99/mo). There's also an abundance of sales channel packages in addition to premium communities to boost the number of cpa networks readily available.

Luckily, fuboTV houses each of the programs you'll want to observe your March Madness on. You’ll discover CBS Sports, TNT, TBS, in addition to truTV within equally fubo as well as fubo Additional.

In order to ensure you don’t neglect the online games, you possibly can collection fubo TV to help history the item for you. Buyers get 35 several hours regarding cloud DVR storage space, with all the chance of expanding for you to 500 several hours by means of spending $9. 99 each month. With fuboTV, end users can watch articles with two units at once, but incorporating a third stream can even be accomplished when you’ll pay out a number of further cash. Be sure to understand Tech Nadu’s fuboTV evaluate to have everything.

Sling Television

Sling TV SET Summary

Packages Sling Lemon ($25/mo), Sling Violet ($25/mo), Sling Lemon + Azure ($40/mo)

Customization Channel lots (Kids, Athletics, Reports, Way of life, Artist, Heartland, Worldwide, Espanol, Comedy), top quality programs (HBO, Showtime, Starz, Cinemax, Epix, Curiosity Stream, Pantaya, IN PLACE Religion & Loved ones, Dove Sales channel, Stingray Karaoke, Outdoors TV)

Product assist Apple TV, Roku, Amazon Fire TV, Chrome cast, Android TV, AirTV Participant, Xiaomi, LG Sensible Television sets, Samsung Smart Television sets, iOS, Android, Fireplace pills, Console 1, Opera web browser

DVR Nearly 50 several hours, unlimited safe-keeping time period. Expandable by means of another 50 time together with additional characteristic

Free trial version indeed, 7 days

Stop by Sling

Future upwards, there’s Sling TELLY, which in turn is one of the platforms many of us beloved given it presents numerous personalization alternatives. Anyone begin together with several lots you need to select between – Lime ($25/mo), Violet ($25/mo), and Lime + Glowing blue ($40/mo). You may then include quite a few quality sites or perhaps choose almost any interest-based station delivers you’d just like.

As you move the system doesn’t web host CBS, you can view all of those other programs. truTV is actually in Azure along with Lemon + Azure, whilst TNT and also TBS are usually in all several lots.

Sling TELLY gives absolutely no cloud DVR room having its subscribers, therefore you’re gonna have to fork out a supplementary $5 every month regarding 50 hours associated with recordings. You’ll also need to take care which bundle you choose mainly because the amount of simultaneous revenues you’re allowed to work is determined by it. Orange subscribers get a sole steady stream, although Violet buyers get a few, as well as Red + Glowing blue clients obtain some. Always give the Sling TV SET evaluation some sort of understand for getting all the facts you need.

Hulu

Hulu Overview

Packages 1 package deal -- Hulu having Live TV - $39. 99 a month

Personalization Premium programs - HBO, Showtime, Cinemax

System service IOS, Android, Fire TV, Apple TV, Roku, Console, Chrome cast, Samsung Smart Television sets, windows

DVR Endless space for storing, recordings rescued intended for 9 weeks

Risk free Sure, seven days

Visit Hulu

An additional platform that has the particular programs you'll want to watch your March Madness game titles will be Hulu. Greater acknowledged for your video-on-demand assistance it’s also been giving for a long time today, Hulu also offers a reside TELLY insurance policy for $39. 99 each month, which includes entry to many stations along with the total VOD stockpile. Also you can personalize the ongoing a little by adding advanced communities as well as additional sales channel delivers.

Within the major package deal associated with channels Hulu delivers, you’ll discover all programs you need to check out your basketball fits that March – CBS Sports, TNT, TBS, along with truTV.

Hulu even offers end users the chance to record any kind of information they need to this cloud, as well as 50 time involving foreign DVR living space together with every single registration. If you would like much more area, you are able to often pay out an additional $14. 99 monthly to pick up this cap to 190 a long time. Stay TELLY subscribers can watch articles upon a couple equipment at once, but if that’s too few, generally there the particular “Unlimited Screens” option. This costs $14. 99 per month and also will allow a good infinite quantity of simultaneous water ways though connected to the property multilevel, as well as with approximately 3 equipment even though absent. Tech Nadu’s Hulu examine will be hanging around if you wish guidance of what the platform offers some.

YouTube TV

YouTube TV Overview

Bundles 1 bundle - $40 a month

Modification Top quality programs : AMC Elite, Curiosity Stream, Seibel Baseball In addition, Showtime, Starz, Shiver, Sundance Currently

System support Chrome cast, Roku, Apple TV, Android TV, Xbox 360 system 1, Samsung and LG Clever Tv set, iOS, Android

DVR Unrestricted space for storage, recordings saved for 9 many weeks

Free trial version Yes, few days

Go to YouTube TV

On its way right from your Pile Watch technology massive Alphabet Inc., YouTube TV is actually quick and simple to work with. There’s just one bunch associated with routes to do business with and it fees $40 a month. The cost contains many routes and several rather great incentives. In order to modify that at all, you are able to merely add top quality networks.

YouTube TV’s report on stations contains everything you need – CBS Sports, TNT, TBS, as well as truTV, therefore you’re perfectly protected to view almost all stages in the March Madness.

With YouTube TV, people obtain plenty of perks, you start with the truth that many people are able to appreciate endless impair DVR place. Plus, your recordings produce an cessation time frame collection being unfaithful weeks in the future, so you can observe these people for your own rate. On the subject of simultaneous streams, YouTube TV makes it possible for approximately three gadgets to watch at the same time, that's a significant treat, especially in comparison with other systems where they have to cover of which next supply. Read the YouTube TV examine if you would like more information.

DirecTV At this point

Overview

Packages Reside a little ($35/mo), Perfect ($50/mo), Get Major ($60/mo), Gotta Are ($70/mo), Todo ful Mas ($45/mo)

Personalization A few more sales channel bundles, advanced stations (HBO, Showtime, Cinemax, Starz)

System help Apple TV, Chrome cast, Flame TELLY, Roku, Samsung Wise Televisions, iOS, Android, internet browsers

DVR Around 20 several hours, calendar month restrict, absolutely no expansions

Free trial offer Sure, seven days

Go to DirecTV Right now

In place following, we now have DirecTV Currently, the industry good instrument for individuals who need good services along with methods to customize the monthly subscriptions. You will discover a few packages available right here – Dwell just a little ($40/mo), Ideal ($55/mo), Get Big ($65/mo), Got to Contain it ($75/mo), along with To-do y Mas ($45/mo). Once you've that choice made, you are able to make a decision if you wish to put one of the high quality cpa networks available here, or maybe any additional route packs. There are also a few global bundles readily available when you need many community channels far too.

In terms of just what lots to have therefore you have the programs for March Madness, you need to know that will TNT as well as TBS exist in most all 5 bundles. Subsequently, truTV is present in the first a number of bundles – Reside slightly, Just right, Move Major, and also Gotta Contain it, while CBS Sports helps make an overall look in just a couple ones – Proceed Massive and Gotta Have it.

On DirecTV Today, users simply get to take pleasure in 20 hrs. involving fog up DVR place, so that you don’t are able to file an excessive amount content. Even so, it is going to ideally sufficient due to the fact there’s absolutely no way to help develop that restriction. The service makes it possible for users running two simultaneous streams, however 1 / 3 anybody can end up being additional intended for $5 monthly. You should definitely examine Tech Nadu’s DirecTV Right now review.

PlayStation Vue

PlayStation 3 or Xbox Vue Introduction

Lots Accessibility ($44. 99/mo), Core ($49. 99/mo), Top notch ($59. 99/mo), Extremely ($79. 99/mo)

Creating to order Route bundles (sports, Spanish programs, movies), top quality programs (HBO, Showtime, Cinemax, He Little league Plus)

Unit assist Amazon Fire TV, Android TV, Apple TV, Chrome cast, iOS, Android, Roku, PS3 SLIM, PS4, cell phone browser

DVR Up to 500 software programs, 31 days to weeks restrict

Free trial Indeed, 5 times

Stop by PlayStation Vue

Ps Vue will be an additional software used to watch March Madness. The program fascinated people enough it squeezed the best score while in opinions, regarding quite a few good reasons. 1st, you can find a number of packages to start off with – Entry ($44. 99/mo), Central ($49. 99/mo), High level ($59. 99/mo), and Extra ($79. 99/mo). Then, you can include a number of more sales channel delivers, along with top quality networks.

On Dsi Vue, you’ll see that truTV, TNT, and TBS come in all four bundles, while CBS Sports should be only within the last a few – Primary, High level, and also Ultra.

The particular podium makes it possible for end users in order to record as much as 500 applications towards the fog up, that is very impressive, nevertheless the recordings only hang around for the thirty days. The particular support offers a different good feature, permitting customers to observe content about around all 5 devices concurrently, for not any more cost. In addition, Dsi Vue features a Split Monitor feature that allows one to view 3 software programs immediately, for a passing fancy tv screen. Study TechNadu’s Ps3 Vue evaluate to find out more for the subject matter.

1 note · View note

sitavnabi · 6 years ago

Text

How I Saved $10000 in 10 Months

I’m not a saver by birth. I like to spend money. I view money as only one type of currency, not the most valuable one. Time comes first in the ranks, followed by energy, and then comes money. Money is not and has never been particularly valuable to me. It rarely ever brought me happiness but I was convinced while growing up that my net worth was a reflection of my self worth.

I never liked the idea of being frugal. I didn’t enjoy having to go without to prepare for a future emergency. For the last three years I have made a pretty consistent yearly amount through tutoring, babysitting, administrative tasks, and other similar odd jobs. But, I lived like I made a lot more. I wasn’t spending on luxuries and going out. I was just spending more than I had on things that I needed, or seemed to need. I became increasingly worried about not having enough money.

The fear of not having enough money, instilled into me at such a young age added to this terror churning inside me. I went to bed and woke up in frenzy of overwhelming nausea and tears.

But one day, after a particularly bad incident with a client, I decided that enough was enough. This particular client generously offered to pay my semester tuition in full in exchange for unlimited tutoring. Eternally grateful, I accepted. This client proceeded to give me the run around for four weeks and on the final day, had me drive over 30 miles from town to town chasing her for the check. After a grueling three hours, she called to let me know that she was in the hospital and her husband never agreed to give me the money.

I was embarrassed, humiliated, exhausted, spent, and so ashamed of myself for letting this person take advantage of me and exploit my needs. It was in that moment that I decided to stop letting money have any hold on me whatsoever. I was going to manage my money; it was not going to manage me.

I joined Frugal Families on Facebook and gathered several books to help me. I read Ana Newell Jones, Amy Dacyzyn, and Dave Ramsey among countless others. (I don’t necessarily recommend this but I like to read so it was a win win) You can get similar information by watching Youtube videos or short articles.

Through all my collectives, I found that managing finances and saving money comes down to a pretty simple idea: don’t spend money. But, my problem, along with many people, isn’t that I didn’t know HOW to save money, but that I couldn’t convince myself of WHY.

My thinking of money was all screwed up! I associated saving with withholding, going without, deprivation, dependence, poverty, and unhappiness. I held money in the top tier of my self esteem and felt that I needed it to prove to people that they should respect me. Putting $1000 in the bank and not touching it is infinitely easier than learning to love yourself if you don’t already. Once your self esteem has been tied into how much money you spend, its a tough knot to untangle.

So, I took these baby steps ( to all my Dave Ramsey fans out there). It took me a couple months to compile all these steps and even longer to start to truly follow all of them. I am 23 years old, I make about 24K a year, I am a part time college student, and I don’t have any kids or dependents. A lot of people may be discouraged from reading this article because maybe I don’t fit their demographic, make more or less, have fewer expenses or some other excuse. They may be right. I don’t know how well these steps may work for other people and I definitely cannot guarantee any results. It’s just a look into my own experience. But, if you want to break the ball and chain of money has around your ankle or maybe even save up $10000, grab a notebook and at least give this a try!

Remove people from your life that you feel value money too much. These people are easy to identify: who in your life do you feel judges you the most? Limit contact with these people for a set period of time (maybe forever), or just until you save $10000. These people breed thoughts of inadequacy and manipulate us into spending money we don't need and becoming people we don't want to be, i.e. a woman in the Tightwad Gazette who admitted that she spent more money on her wealthy nephew’s Christmas presents than her own children.

Write down your goals, hopes and dreams (not financial goals). What kind of person are you now and what do you hope will change after you become financially stable? Where do you see yourself in ten years? What would you do if you had a million dollars? What are some things about your life that you wish you could change? Why can’t you? What are aspects of life that you are grateful for? What is your dream career? What are some of your insecurities and fears? Ask yourself all these questions and any more you can think of. This should be a private journal entry that you can look back to so, be as open as you can for yourself.

Write down your financial goals. How much money do you want to save? My goal was $20,000.

Analyze your spending. Print out the last few months of your bank statements. Make a list. In and out. What went into the bank account and what went out. This is on the bottom of every monthly statement.

Categorize all the items that went “out”. I use a pretty simple system for this: necessary and not necessary. Rent, car payments, gas, and doctors are needs. Mcdonald’s, make up, even buying books instead of borrowing them are not necessary. Be careful not to categorize non necessities as “wants”. This implies a careless decision was made and that we should feel bad or embarrassed about it. Our money is ours and we may choose to spend it however we wish. Remember that we want to feel more confident in our decisions through this process.

Evaluate your needs list. Obviously rent and car payments can’t be negotiated down but if all your needs eat up more than half your income, see if anything can change. In my personal example, I had a car payment of $198/month. During the summer months, when babysitting jobs were scarce, I only made about $900/month. Coupled with rent, I had $100 left over every month to survive on. The solution was not easy, short term, or inexpensive. I had to buy a used car and get rid of my lease, find another side gig for the summer, or find a cheaper place to stay.

Evaluate your non necessities list.Create a category for every expense (eating out, crafts, shopping, subscriptions) and then prioritize them in order of used. If you spent $300 this month on books, it goes to the top of the list. Next, think about what you could and couldnt live without. Put those in order too. Note: this does not mean cutting everything out. Think about what is important to you and what can change. Just because something isnt a basic need, does not mean it is not important. For me, going out with friends, and a small budget to grab some fast food if I was still hungry after lunch meant a lot. So those went to the top of my list.

For future reference, I recommend using a debit card as cash to be able to track all your purchases. So this baby step is get a debit card at a bank that is near you with a safe and convenient ATM. Commit to putting cash onto the card in small amounts to avoid temptation, but often, like once a week. I never keep more than $50 available on my debit card at any time. I have worked my weekly amount down to just $15, just enough to eat out twice a week.

PAY DAY. If you are like me and don’t have a regular deposit schedule, make one and keep to it. Be flexible about how often and how much you want to see your money grow. I tried a bi-weekly deposit schedule but learned that I prefer looking at how much I made at the end of the week. So, I deposit money into my account every Friday.

10.

You have money, now what do you do with it?? Consult your needs list and put aside the amount that you cannot change this month. Pay your bills immediately.

11.

What is left over? Budget your non-necessities and leave that in your account. Take whatever is left and shove it into your savings account.

12.

Reconsider your budget. This is the part when you slowly trick your brain into enjoying frugality. Remember that amount that you shoved into savings? No you don’t! Next month, create your budget without that chunk of savings, so immediately after payday, shove it into your savings account after bills and before non-necessities. Don’t be discouraged if you have to touch your savings account because you went over budget. Just try to average out the same amount for 3-4 months. Also, even $5 is a hefty deposit amount if you’ve been picking away at your account for the past 6 months. Be proud of yourself for any and all progress!

This last step was very helpful to me because it helped me become more and more creative about how to live on less. I learned to prioritize my hobbies, treated myself sparingly, and invest time I had in place of money I didn’t have. Overall, I became much happier than I was.

Another tip, I’d like to include is to be kinder to yourself. In hindsight it is easy to look at my expenses and realize I could’ve put a little more away here and there but I have no regrets about the mistakes I have made. Step 4 was arguably the hardest thing I’ve had to do in my life; analyze my mistakes and have compassion for myself. Even going forward, the continued slip ups I had taught me more about myself and helped me to make better decisions the next time.

I know this article seemingly boils down to taking a portion of your income and putting it into a savings account. But quite honestly, it has nothing to do with money. I have calculated that I could have put an extra $5000 away in the last ten months if I had really stuck to my needs, but that wasn’t the point. I wanted to live a life without the fear of money: not having enough, always wanting more. I was afraid to check my bank balance and I couldn’t resist a great sale that added to my net worth. Since I started my journey to financial stability, I don’t worry as much about what I have. That isn’t because I have a lot, but because I always know exactly what I had and I am confident about my ability to work with it. It shifted my mentality of depending on money to take care of me to realizing that only I am responsible and capable of taking care of myself and money is just one of many tools that can help me. Break the chain!

1 note · View note

financingideas-blog · 6 years ago

Text

How To Pay For College: The Best Order Of Operations

New Post has been published on https://financeqia.com/awesome/how-to-pay-for-college-the-best-order-of-operations/

How To Pay For College: The Best Order Of Operations

Mountains of student loans are what most people think of when it comes to paying for college.

Student loans are a source of funding for most students but they should actually be your last option. Student loans accrue a lot of interest and take years to pay off. In fact, a study from the OneWisconsin Institute finds that it takes alumnus of Wisconsin universities 19.7 years to pay off a bachelor’s degree and 23 years to pay off a graduate degree.

Knowing that students loans will likely be a source of funding, there is still an order of operations to follow when seeking out funding sources for college. After reviewing your financial aid award notification, you’ll have to think about how you’re going to pay for school.

In this article, we’ve the main groups of funding sources. Start with the top group and work your style down to the last( i.e ., worse) alternative, which is student loans. By following this guide, there’s a chance you can reduce the amount of student loans needed to finance college. For a luck few, they may find student loans are not even necessary.

Here’s our take on the “best’ order of operations to pay for college. It’s important to note that this is more like a “pie” than a strict order. The more you can contribute from the “earlier” slices, the less you’ll have to borrow. And there is no “strict” rules here – but you should definitely use free fund before other funds.

How To Pay For College[ Order of Operations] 1. Scholarships and Grants2. Your Own Savings( as a student )3. Your Earnings( as a student )4. Parents Savings For College5. Parents Current Income6. Fellowships and Assistantships7. Aid Through School Work-Related Programs8. Federal Student Loans9. Private Student LoansFinal Thoughts

1. Scholarships and Grants

Gift aid is part of your financial aid award. This is money that does not have to be paid back. It includes grants, scholarships, and any source of private funding that doesn’t require you to pay it back.

Of course, it depends on getting your FAFSA submitted on time.

Some students might realize a large amount of scholarships and awards. Others might not be able to get as much.

Don’t forget to apply for private scholarships and grants as well – don’t simply depend on your school. This sounds crazy, but I recommend high schoolers apply to at least 50 scholarships.

Check out these guides :P TAGENDHow To Find Scholarships To Pay For CollegeHow To Find Grants To Pay For College2. Your Own Savings( as a student)

Saving for college involves scheming. If you’re one of a small group who has accumulated money for college, it’s time to put it to work.

Maybe you’ve been saving your graduation fund, or you’ve received birthday funds over day. Maybe grandma even left you some money to pay for college when you were younger.

If you have your own student savings, use it to pay for college is a great first step.

3. Your Earnings( as a student)

Additionally, employing your current income will help cut down on any loans you might need. If you don’t have any savings, use what you can from current income to help fund college.

A lot of people forget that they can earn money before going to school( i.e. the best summer jobs for college students ), or even run full hour during school.

I personally ran full period while going to university. I worked five days per week – Monday, Wednesday, and Friday nights, and during the day on Saturdays and Sundays. I tried to schedule my class for Tuesday and Thursday, or if necessary, before work on the other days.

Don’t know about ways to earn as a student? Check out our 100+ Ways To Make Money In College.

4. Mothers Savings For College

Next on the list is any money your mothers may have put aside for school. This could be in the form of a 529 college savings account, or other savings vehicle.

Many mothers have started saving for college for their students at a young age. Leveraging money in a tax deferred plan like a 529 savings account can be a great way to pay for the majority of school( if the money is there ).

Parents might also have other savings set aside for their child. It’s important to have dialogues about parental contributions early, so that everyone involved in the “paying for college” debate knows what to expect.

5. Mothers Current Income

Along with a student’s income, a parent’s income is also a primary source of paying for college. Even if parent’s have saved very much, they may be able to contribute a little bit towards the cost of college every year simply through their current salary.

Some parents may be able to contribute much more than others, but every little bit that can be sent in to avoid borrowing for school is a huge win.

6. Fellowships and Assistantships

If you are attending graduate school, a fellowship is a great source of funding. It is awarded to graduate students based on merit. It allows the graduate student to focus on their studies rather than having to work or teach. Fellowships do not have to be paid back. They also look great on CVs and carry a certain cachet.

“It’s basically the Harry Potter scar on your forehead indicating you’re an amazing intellectual, ” stated Meredith Drake Reitan, associate dean for graduate fellowships at the USC Graduate School.

“The fellowship program is about research potential, ” she said. “Faculty members might say,’ They’re not ready to apply to for the NSF Fellowship because their research hasn’t quite jelled.’ But that’s actually right where the NSF wants them — it’s designed to be an early career accelerator.”

The takeaway: don’t think you aren’t qualified for a fellowship. They are certainly worth is applicable for. Speak with your educational counselor or advisor about how and which ones may have the highest potential for successful acceptance.

7. Aid Through School Work-Related Programs

We continue down the list and come to work-related programs that are meant to provide a flexible schedule around your classes. At this phase, you’ve depleted all forms of funding that don’t require work exchange or loans. We’re now moving into funding sources that will require some sort of payback.

Work examines are common on college campuses. These programs are usually tied into your financial aid award. They allow you to work on campus within a flexible schedule. Pay is usually minimum wage, but you can’t beat the flexible schedule provided by these programs. While it is a smaller source of funding, depending on your class schedule, it might be the only type of job you can take on.

Assistantships are usually reserved for graduate students. These programs are similar to work examines except they are teaching positions. Often the student will teach lower-level classes in areas they are very familiar with.

8. Federal Student Loans

We’ve come to one of the last option as a source for funding college. This is money that must be paid back, will accrue interest and often has some type of origination fee. For many students, it’s difficult to avoid taking on loans.

Federal loans have a fairly low interest rate, which often does not surpassed the single digits. As reported by StudentAid.ed.gov, loans first disbursed on or after 7/1/ 18 and before 7/1/ 19 have the following interest rates :P TAGENDDirect Subsidized( undergraduate ): 5.05% Direct Unsubsidized( undergraduate ): 5.05% Direct Unsubsidized( alumnu or professional ): 6.60% Direct PLUS:( parents and graduate or professional students ): 7.60%

In regards to loans for college, you aren’t likely to find a better deal anywhere else.

Don’t believe us? Check out the Best Student Loan Rates here.

9. Private Student Loans

Private loans are another and final option. These may be loans from banks or other lenders that are non-government. They will have higher interest rates than government loans and won’t offer the same advantages such as hardship, forbearance, and fixed interest rates.

Private student loans should really be a last resort, and before borrowing, you should really do a full Return On Investment Calculation of your college expenditures to even see if college is worth it.

We recommend students shop and compare private loan options before taking them out. Credible is an excellent option because you can compare about 10 different lenders in 2 minutes and consider what you qualify for. Check out Credible here.

You can also consider the full list of private student loan options here: Best Private Student Loans.

Final Thoughts

Paying for college can be a challenge. It’s a huge sum of money, and there are a lot of different ways to go about it.

I like to think about it as a pie – each one of the steps above is a slice, and you can try to attain some bigger to minimize others.

The bottom line here is that you don’t need to borrow the entire amount for school. There are many different ways to pay for college if you work at it.

The post How To Pay For College: The Best Order Of Operations seemed first on The College Investor.

Read more: thecollegeinvestor.com

#pay for college #student loans

0 notes

icyxdaughter · 6 years ago

Text

Retail delivery in the UK

This section presents some facts about grocery retail in the UK, with a focus on online and omnichannel. The different delivery models are then presented and analysed.

British Grocery Retail Market

Online grocery retailing in the UK is recognised as world leading (Delfmann et al. 2011). In the UK, online grocery sales were 82 Euro per capita, while just 2 € in Germany, and 23 € in Switzerland (Delfmann et al. 2011).

The grocery market in the UK is complex, with many competitors beyond the traditional big four grocers: Tesco, Sainsbury’s, Asda (Walmart), and Morrisons, and their smaller competitors, such as Waitrose. Niche players exist by focusing on the supply of particular products to niche consumers, such as organics, for example Able & Cole, and Riverford, or wine to budget consumers, such as Aldi. A national pure online competitor has also been established in the shape of Ocado, while international competitors, such as Amazon also provide food products. Indeed, underneath the surface, the situation is further complicated through supply chain collaborations. For example, Ocado supply logistics services to Morrisons, while Waitrose supply product to Ocado, and Morrisons supply fresh product to Amazon. Moreover, the boundaries between online grocery retailing and non-food retailing are increasingly blurring.

Delivery Options

The basic requirement used to select retailers for the analysis was that they offered both home delivery and Click and Collect. Among the leading grocery retailers only one, Morrisons, did not offer Click and Collect at the time of the analysis, and so is not analysed further. However, there is a difference between companies. Some are smaller in home delivery and larger in Click and Collect, especially as approaches to Click and Collect vary, such as the use of automated lockers. Table 1 provides an overview of the delivery options available in the UK among top grocery retailers. It is worth noting that “Home delivery” may actually be to any address in the UK, so this could be to a holiday cottage or work place, as well as the home.

In-store pick-up is a standard option, as it does not require substantial investments, compared to other solutions. However, the remaining options differ in popularity. Drive-through stations are in use, both attached to the store, as well stand alone, but still on the retail premises, such as at a hypermarket fuel station.

The biggest difference is in use of automated lockers, which are newer solutions and require significant investment. Lockers can be classified as attached, located near the store (Asda, Waitrose), as well as unattached, such as lockers placed by Waitrose at railway stations. Online shopping is open to customers who are over 18 years old, with a further restriction for alcohol. Registration also requires a credit or debit card as well as a default delivery address.

Home Delivery

Home delivery is already an established delivery model. It is available from all the retailers analysed. The UK-based discounters (Lidl and Asda) do not offer delivery services, except for high value niche products, such as wine. Waitrose is the only retailer among those analysed that offers home delivery of goods bought in the brick and mortar shop at the time of the analysis.

Coverage, Availability: Coverage of home delivery depends on the store network and internal policies. For example, Tesco covers most of the UK residential addresses, but some, such as camp sites, might be excluded. Sainsbury’s states that it covers 88% of the UK mainland and part of Northern Ireland. All retailers provide search facilities for service coverage. The customer just has to input a postcode on the webpage to find out if delivery is available in the selected area.

Delivery Days and Times: Deliveries are available 7 days a week from morning to late evening. There are differences between companies. Some might offer the same delivery time at weekends and weekdays, while others have reduced hours during the weekends and holidays. Delivery times by Waitrose vary between branches, and can be found online.

Delivery Timeslot: LengthTimeslots also differ between retailers. The most common windows are 1 or 2 hour slots. So called “flexible” slots (Flexi Saver Slot) are offered by Tesco. The customer selects a 4 hour slot, and then is informed by a text message which exact hour of those 4, the delivery will be conducted. This allows reducing waiting time for a customer and flexibility for Tesco to plan routing.

Delivery Velocity: Typically, a customer should select the delivery at least day in advance, up to a certain cut-off time. However, limited same day deliveries are offered by Tesco and Sainsbury. For same day deliveries, the earliest delivery slot is 6–7 pm (Sainsbury). Asda allows additional products to be added to the order at any time up to midnight the day before the delivery timeslot, while removing goods must be done by 5 pm the day before.

Basket Value: There are different approaches to the minimum size basket, but by value is the most common. The cost varies from £60 at Waitrose, via £40 at Tesco, to £25 for Asda and Sainsbury’s. However, this is related to delivery fees, conditions, and models. Missing goods that are not available in-store, as well as substitutions proposed by the store, are not considered when defining the basket value. Asda also pointed that it might use a different basket value depending upon the relevant store. The basket value can be calculated for grocery only or for a mix of grocery and non-grocery items, depending on the approach by a retailer. Different basket values are employed for subscription models, which are discussed later.

Delivery Fees: Delivery fees are associated with the value of the basket. In general, the higher the basket value the cheaper the delivery, with free delivery in exchange for a higher basket value. For example, at the time of writing, Waitrose had the highest basket value, £60, for free delivery. Sainsbury set their minimum basket value at £25, however under £40 is charged at £7 for delivery (£9 for same day delivery), while over £100 basket value is free delivery on Monday–Thursday after 2 pm, including same day delivery. A minimum delivery fee charge is also defined by Tesco (Minimum Basket Charge) and is £4. Asda has a minimum delivery charge of £1 and the fee depends on the day of the week, with the cheapest delivery during afternoons in midweek.

Subscription Models: Basket Value, Time and Fees

Subscriptions models provide an alternative to fees. There are choices between monthly, quarterly, half yearly, or annual payments. Such programmes are called Delivery Saver by Tesco or Delivery Pass by Asda and Sainsbury’s. Subscription programmes offer a choice of delivery fees, days, and defined minimum basket value. All programmes have similar features. A customer pays a regular fee, in exchange for free delivery, though minimum basket values still apply. A customer can select between lower cost mid-week working day deliveries (Tuesday to Thursday) or, for a higher fee, the whole seven days a week. In a subscription-based model, the customer is entitled to one delivery per day during the days defined in the conditions. To promote such an approach, retailers allow free monthly trials, as well as comparing regular, fee based orders against a subscription, to illustrate the lower cost subscription. As an extra benefit, customers may have priority during a high demand period, such as Christmas delivery slots (Tesco and Sainsbury). At Tesco, subscription members also do not pay for the Click and Collect service. Customers can select different programmes, periods, and fees.

Asda customers, on subscription fees, can select Recurring Slots, which means a regular weekly delivery, at the same time of the day. Orders in a Recurring Slot should be submitted two days before the delivery is scheduled. Sainsbury introduced greener grocery delivery, which means slots that are linked to already scheduled trips, so that the delivery is not a single dedicated trip, i.e. the address is on, or close by, to an already planned route.

Delivery Addresses: Subscription plans allows delivery to different addresses. Customers can also add extra information, helpful for the delivery, for example, how to access the home, which door to enter, or that the doorbell does not work. A typical fee based delivery is to the specified address provided at the online checkout. Packaging: In the UK, the retailer is required to charge for plastic bags by law. Hence, customers have a choice to select delivery with or without bags.

Receiving Person: All companies state that orders and registration for online shopping is for over 18s. This is also reflected in delivery policies. Items can be delivered to anyone over 18, but alcohol, will be delivered to customers over 25 years old only, who additionally might be asked to provide a document to confirm their age. All retailers have similar restrictions in place.

Absence of Customer: If a customer is absent, or if there is no one over 18 years old, then typically a delivery would be taken back, information left for the customer, and a new delivery time would be arranged. Drivers also try to phone the customer. There may be a charge for a redelivery.

Leaving Goods: Drivers can refuse to carry goods into the property when the delivery is perceived as unsafe, without a clear permit to enter the property, or a significantly long distance. In flats without a lift, items would be delivered to communal areas. For business addresses, typically the retailer delivers to the reception, not to individual offices or desks.

development goals for work

0 notes

visionary-scribbler · 8 years ago

Text

10 Tips for Writing

1. Don’t write linearly: Don’t set out to write something from beginning to end. A story is meant to be read from front to back, but not necessarily created that way. If you have an idea for writing the sixth chapter first, then start there. The epilogue can even be the first thing you put down on paper, then work your way back. Scattered chapters will eventually be filled in, and it will force you to look at the story from different angles, which may present different ideas or new approaches. You’d be surprised how well this works when a whole book starts coming together. It’s also great for getting around writer’s block.

2. Have two or more projects on the go: Speaking of writer’s block, having more than one project on the go is never a bad idea. Although focus and dedication are paramount to completing a work, sometimes you inevitably get stuck. It’s good to be able to move on to something else instead of feeling frustrated and stagnant. You don’t have to have a few big projects happening either … maybe you’re penning a novel, but also some short stories and an article or two.

3. Be your own editor: There are days where I have difficulty writing altogether, so I’ll switch to editing my stories rather than trying to create them. Never assume it is someone else’s job to fix your mistakes. Find all the errors first, and deal with them yourself. The more polished and refined your work is, the more favorably it will be received when you’re finally ready to present it.

4. Ask for (and take lots of) punishment: It is well worth finding yourself a professional writer or editor and asking/paying them to look at your work. Tell them to give you highly critical feedback with no sugarcoating. Let them go so far as to be cruel too, just so you really get the point. There is a lot of rejection and criticism involved in the publishing industry. Getting accustomed to it sooner than later is advantageous. If you want to be serious about your writing, then you’ll need to know everything wrong with your writing. Accepting and understanding the harsh realities of your shortcomings is a most important step to getting better.

5. Disconnect: Twitter, Facebook, Instagram, Pintrest, the Internet in general … we know how invasive social media and technology is in our lives these days. We also know that it can be good for promotion, building a brand, and having an online presence. But you know what else social media and technology is really good for? Procrastination, distraction, and countless wasted hours. Being able to unplug for long periods of time is more important than you may think. All those tweets you’ve posted might have added up the word-count of half a novel by now…

6. Learn what good writing is: Honestly, there’s so much terrific writing out there, but there is also considerably more garbage as well. I’m constantly surprised by how many people don’t know the difference between the good and the bad. Art is subjective, true, but it isn’t that subjective when you remove ignorance and replace it with education. Duke Ellington said it best: “There are two kinds of music. Good music, and the other kind”. The same applies to writing.

7. Have your own workspace: It’s trendy nowadays to take your laptop to coffee shop or bar and write in public. I even advocate a change of environment/atmosphere when writing feels stifled. But I believe it’s more important to have and maintain your own private workspace, a spot you can call your own with a desk and preferably a door you can close when you need to shut out the world in order to create your own.

8. Dedicate to the craft: Serious writing is not something you merely do if or when you can find the time. It’s not just for Sunday afternoons, or the occasional evening, or a few hours a week when you can give it some attention. Make the time, and make lots of it. Tackle the craft daily and dedicate a generous portion of your existence to honing your skills. You’re only going to get out of it what you put into it, and serious writing requires a lot of investment.

9. Time management: When it comes to the hours or days you’ve reserved for writing, make sure you stick to your guns. Consider it sacred. To most other people, your ‘writing time’ is merely ‘flexible time’. They will invariably think that you can cancel, minimize or postpone working when it suits you (or them). Tell these people that your personal work time is not negotiable; much like theirs isn’t at their day jobs. You don’t need a regimented schedule, but you do need to clock in the hours.

10. Remember the Three “P’s”: I’ll admit there’s still a hell of a lot more to say on the topic of writing tips, but what it all comes down to in the end are three things I believe writers need to remember above all else: Patience, Perseverance, and maintaining your sense of Purpose.

LINK (X)

#the scribbler #writing tips #i like these

2 notes · View notes

seouliloquy · 8 years ago

Text

have I mentioned how much I hate money?

I talked to my boss at the sandwich shop, and asked if he could at least guarantee me 15 hours for when the semester starts. That’s 390,000 a month, which covers my bases (rent, utilities, internet, phone, transportation) with a little wiggle room.

Now, this is THE least paying job I have. but it’s close to home/school (walking distance), comes with free food, and a healthy, stable working environment and a boss who actually gives a shit and doesn’t mistreat part-timers/particularly foreigners. It’s like a safe-haven for those of us who work there. So I want to do my best to keep this job.

After some discussion, he said it would be possible as long as I’m able to take the Friday night and Saturday morning shifts. I was like “OK deal”

However. This sets me up for some other problems. See if you can follow lol

1. confliction with gym class job and tae kwon do lessons

If I schedule a class during registration during 5th or 6th period on any day of the week (so 2:00-3:15 or 3:30-4:45) I cannot continue teaching the gym class on Mondays because I have to be in Jamsil by 3:15, Which means I need to leave Anam around 2:15. Looking at my course prospects and needs, and 영강 options (cause of course i’m gonna take as many of those as I can cause although I enjoy the challenge and experience of taking my courses in Korean...if there’s an opportunity where I don’t have to, and thus avoiding setting myself up for barely passing but getting a chance at an actual good grade...then I would take it. So...because of this... I just might have to drop that job. which sucks because it’s SUPER FUN, and I love the kids. and after that i take the free tae kwon do lesson before i go home. Now, I spoke with the dojang owner, and i said that this is a likely possible case because monday and wednesday are less flexible in classes than say, Friday, which was the other day that I was originally going to also do the gym class, but since he just opened didn’t have enough students enrolled yet. So I told him, if it comes down to it, I would still like to teach the class, but maybe switch me to Friday if he can. I can still make the lesson in the evening on Monday, and still do the one after the class on Friday. I haven’t bought my uniform yet. BUT....if I agree to work at the sandwich shop in Anam until 9 on Fridays, I can’t do either of that. Can’t teach the class, can’t take the lesson. But this is 15,000 won per hour, for 2.5 hours PLUS free tae kwon do lessons, with a 1 hour commute...versus the 6,500 won per hour plus free food and nice working environment for 5 hours with no commute.

So you can see my concern...

2. confliction with soccer coaching

The same dojang owner owns the club where i’m coaching on thursday evenings, but in a different location, in southern Bundang area. It takes me about 1.5 hours to get there and back, and approximately 6,000won for the total commute. So in order for me to get there by 4:20 to help take the kids on the mini bus to their pickup spots and start the class by 5, i need to leave Anam by 3:00. So it’s the same situation where taking any class in period 5 or 6 (between 2 and 4:45) will render this job impossible. Since it’s cold out we’re only exercising indoors, and its really boring and limited, but once weather warms up I can actually really coach them with ball skills and teamwork. It’s a fun, legal and safe job too. The kids are growing to like me and i’m getting to like them too. As pain in the butts as they can be in terms of listening and paying attention, i actually enjoy it. It’s not the same as mindless sandwich making but also not entirely mentally draining either, being only for an hour. This is a 30,000 class.

So between the two classes, I’m earning 270,000won per month, for 16 hours of total work. It’s a really REALLY good deal. I also spend about 40,000 per month on the transportation back and forth, and about 5 hours per week in commute time, but I can study, relax, catch up on news and announcements on Portal (KU announcements) and other stuff, and nap during those times so i dont mind the commute so much.

Its the timing with my classes that i’m worried about...

and if my boss at the sandwich shop can guarantee 15 hours for me, that’s at least 4 free meals (plus whatever i decide to take home - although i really should be cutting down on the bread consumption lol) and 390,000 won, as I mentioned, for a 60 total hours worked. i can’t acquire any more hours than that, though. This is still nothing compared to the money i made working in the talking bar five days a week for 9k per hour almost every effing day until effing 4am...but still better.

So let’s see...

There are 168 hours in a week, and 744 hours per month (31 days) Hypothetically, if I managed 7 hours of sleep per day, that’s 217 hours per month spent sleeping. = 527 hours remain Plus with 6 classes at 3 credit hours each, that’s 18 hours per week spent in class, or approximately 85 hours/month = 442 60 hours working at the sandwich shop = 382 16 hours at the two gyms respectively = 366 commute time 5 hours per week = 341 2 hours 5 days a week at the gym is 40 hours = 301 2 hours of soccer 2x per week with Elise = 285 approximately 3 hours per day spent on meals (93) = 192 approximately 2 hours total per day for other random things that take up time (62) = 130 Divide that by 31 days in a month, that’s 4.2 hours per day to do things like rest, study, walk between classes, and chill. Which on paper like this seems like a lot of time.

but when i look at it on a daily basis MOST of that free time is on Sunday.

And saturdays and sundays are the most likely times we’ll have soccer games!

It’s all a mess and I don’t know what to do. :(

there are NO classes that I need that I can take at the times I need...and I don’t have any room for more “general studies” and I won’t be able to graduate at least one semester late.

1 note · View note

maritzaerwin · 4 years ago

Text

How to Manage Your Time as a Freelancer

Most of us were under the impression that becoming our own boss will give us more time to spend on what matters most. Becoming a freelancer will enable us to be more flexible – “freeing” ourselves from the rigidity of working on a 9-5 schedule. It’ll be up to us to set our own time, prioritize tasks in our own way.

It’s only later we realize that having control over your own time is only good if you know how to manage it properly. Instead of catering to one boss, you now have to cater to many clients. Juggling multiple clients means that you can’t afford to waste time. If you want better profitability, you have to make sure that you maximize your time at work. However, much to your dismay, there are numerous distractions around you (we’re looking at you, Facebook and Instagram!).

Fortunately, time management is something that can be learned. And you don’t even need to take a course on how to start a business to learn them. There are plenty of strategies and tips you can easily incorporate into your freelancing life, so you can stop wasting precious time.

More importantly, doing this will allow you to get all the “free” time that you dreamed of enjoying. So here are 10 time management tips for freelancers to boost your overall productivity during this trying time.

1. Fix up Your Workspace

When you’re a freelancer, you can literally work from anywhere. There’s no rule that dictates you need to be in an office setting. However, all that freedom can be your downfall.

Working from bed can be incredibly tempting. You’ll be cozy and comfortable while earning yourself some money. Who could blame you? Unfortunately, science does. According to the Division of Sleep Medicine at Harvard, working on the bed makes it difficult for a person to get quality sleep. In addition, separating your “home” from “work” will help you boost your productivity instead of hampering it.

So, where should you work? It doesn’t have to be somewhere special. If you want to make the most out of your precious time, you’ll need to set up a place where you’ll be able to focus on work. A room with a sturdy table, a comfortable chair, and a reliable internet connection are all you’ll need. Make sure that there’s no television to distract you.

If there’s no separate room at home for you to work in, pick a corner that will serve as your “office.” Invest in good headphones, so you can block out the outside world while you’re working. Make sure that your work area has a lot of natural lighting during the day and dedicated lighting for working at night.

One last tip for your work area – keep it clean and clutter-free. A messy work area can be distracting and make you less productive.

2. Eliminate Distractions

Generally, when you make money online, then you’re almost always connected to the internet. As a result, you always have easy access to social media. And here’s one fun fact for you: social media is the number one productivity killer. Twitter, Facebook, Instagram, YouTube, and even LinkedIn can make you lose time and focus.

The problem with freelancing is that there’s no one who will make you accountable when you procrastinate and check out what’s trending on social media. One solution to this dilemma is to turn off your phone. But for freelancers who receive calls from clients on their phones, this may not be an ideal solution. If you belong to this category, you can choose to turn off the internet access of your phone and put your notifications on silent. Or, you can get an app that will block access to your social media accounts for a set amount of time.

Your email is another source of distraction. While you will need to check your email for work, it’s important that you limit the number of times you look at your inbox. Check your inbox for client messages first thing in the morning, right after lunch, and near the end of your workday. Doing this allows you to answer any emergency messages as well as help you create a working to-do list for the next day. If you work with a team, make sure that the status of your messenger app is set to “do not disturb.” This ensures that your team won’t be distracting you with unnecessary messages while you’re busy working on a task.

Aside from all the online distractions, you need to contend with, you also need to make sure you don’t get distracted by noise. If you work at home and live with other people, you might find yourself distracted by TV noise or chatter. A pet can also be distracting. Noise from outside your homes such as traffic or construction can also cause you to lose focus.

For this reason, it is recommended that you choose an isolated room as your work area. It’s also important that you ask family members to refrain from disturbing you when you’re “at work.” If this is not possible, wear headphones that will keep background noise out. Listening to music that boosts productivity and helps you focus is an added bonus.

3. Create a Schedule

Having a flexible schedule is one of the reasons why people choose freelancing. But it’s also a reason why freelancers tend to procrastinate. You have all the time to finish the project and meet the deadline, so you can take a mini-break first to check what’s happening on Twitter or Reddit. Of course, you inevitably find yourself pressed for time, stressed to high heaven just to get the work done before the client’s deadline.

Freelancers can avoid this predicament by creating a schedule. Yes, you read that right. You need to make a schedule. Take note that it doesn’t need to follow a strict 8-4 or 9-5 routine. You can make your own hours. For example, you can decide to work a set 6 or 8 hours a day. But you need to be disciplined about following that rule. In addition to setting your hours, you need to follow a routine.

Your routine should include all the tasks you need to accomplish for that particular day in order of priority. Your schedule should reflect this to-do list. Make sure that you also put time for breaks within the day to avoid burning out. With a schedule and a routine to follow, it’ll be easier for you to keep yourself focused and in the zone during your work hours. More importantly, you are able to set aside time for family, friends, and even yourself.

4. Manage your Workload

It’s easy to become overloaded with work when you’re a freelancer. You juggle multiple projects which have different tasks and timelines that you’ll need to keep an eye on. Getting overworked and overwhelmed isn’t going to help you maximize your time effectively. In fact, it’s going to decrease your productivity.

To help you manage your workload, you will need to prioritize your work and use a task management app like Trello and Todoist to keep yourself on track. This type of software can also help you break down difficult tasks into smaller ones which makes them even more achievable. As a result, the tasks don’t seem as insurmountable and prevents you from procrastinating.

Here’s a pro tip: work in short bursts. Use the Pomodoro technique or something similar. The idea is that you do nothing but work for a set period of time (in this case, 25 minutes) and then take a 5-minute break which you can use to brew tea or stretch. This allows you to be more focused on your task and helps you manage your distractions. It also decreases mental fatigue and maintains your motivation. More importantly, you stay in control of your time.

5. Learn to Say “No”

One of the most important lessons you need to learn is how to say “no” to clients, both current and potential. You can easily find yourself becoming a people-pleaser in order to ensure that you always have a payday coming in. However, too much work can easily overwhelm you, causing you to lose focus and productivity. The quality of your work will also suffer.

Set boundaries for yourself. Don’t let work carve into your free time. You became a freelancer in order to be in control of your life. Don’t let yourself be talked into a project just because they’ll pay you. Not all projects will be worth it. Prioritize work that will benefit your portfolio.

6. Track Your Time

Time is money. This is especially true when you’re a freelancer. The hours you work need to result in time paid. But how will you know how much to bill a client for work done if you don’t have an idea of how much time you spend on your tasks? Tracking your time will help you create an accurate budget as well as future project estimations. But that’s not all it can do for you.

When you track your time, you’re able to visualize how long each task takes. With this information, creating a to-do list is easier and so is sticking to your schedule. Moreover, tracking your time will help you evaluate your productivity. From there, you’ll be able to see how much time you actually spend working and if you’re wasting time on trivial things or distractions during your workday.

7. Don’t Multitask

Handling multiple projects is the life of a freelancer. But that doesn’t mean you literally switch from one project to another within the same workday. Switching gears is not easy. In fact, it’s a little like multitasking which is not good for productivity. Orienting yourself to a second project will waste precious time you could have spent finishing up the first one.

Instead of working on various projects within one day, make sure you schedule your deadlines far apart. This gives you time to work on one project, finish it (or at least meet a milestone), and then the rest of your time can be spent working on a new one. This way, your focus is not divided AND your productivity doesn’t suffer.

8. Stay Organized

We already know that clutter can have a negative impact on productivity and focus. So, organizing your workspace is essential to ensuring that you won’t easily get distracted from your work. But there’s another way for you to stay organized during the day. And by that, we mean your files – hard copies and soft copies. The former is easy enough to handle if you’ve got a filing cabinet. But you should also make sure that the files on your computer are all in order and easy to find.

Creating folders to keep all your documents – your login information, expenses, and client notes – organized will save you from wasting time searching for the information you need like what your client asked you to change on the project last week.

9. Treat Freelancing as a Job

You probably think this is too obvious. But many freelancers have made the mistake of letting their work bleed into the rest of their lives. Because you work from home (or at least take your work everywhere with you), it’s easy to continue your work well after your business hours just to keep a client happy. But doing so can affect your family time as well as your free time.

Too much work can lead to too much stress. And stress, as we all know, can affect your productivity. If you treat freelancing as a job, then the clock should stop ticking as soon as your business hours end. It’s one thing to create a schedule. The more important task is to stick with it.

10. Take Days Off

As we’ve already mentioned, sticking to your work schedule will do wonders for your productivity which means your time is always maximized, not one second wasted. However, free time is not just limited to staying off work after hours or on weekends. If you want to be effective in managing your time, you need to make sure that you get to rest and recharge from time to time.

It’s essential to have a work-life balance so that your creativity is not diminished. Not to mention your cognitive abilities. You opted to become a freelancer in order to free yourself up to live life the way you want.

So, here’s one of the essential time management tips for freelancers: take the time to play. Take a work-free day or two, maybe more, on a regular basis. Of course, this needs to be planned ahead of time. You’ll want to save for your vacation. You’ll also want to make sure that your client meetings, deadlines, etc. won’t be in conflict with your downtime.

The post How to Manage Your Time as a Freelancer appeared first on CareerMetis.com.

How to Manage Your Time as a Freelancer published first on https://skillsireweb.tumblr.com/

0 notes

art-love-blog1 · 4 years ago

Text

How to Buy Cheap Airline Tickets

With airline company ticket prices growing, an increasing number of people are seeking methods to score inexpensive tickets. To avoid overpaying for your tickets, begin looking at least 2 months beforehand, as well as sign up for email notifies so you’ll constantly be notified when trip costs drop. Budget plan airline companies generally provide the least expensive trips. These airlines also use heavily affordable ticket prices for red-eye flights. If you agree to put in a little effort and time, you can save a fair bit of cash on your tickets.

1)– Timing-Your-Ticket-Search-and-Travel-Dates-.

1.1)– Start-looking-for-domestic-tickets-at-least-6-weeks-in-advance-.

It’s a good concept to begin browsing for tickets about a month and a fifty percent in advance if you’re intending a residential flight. Continue checking regular to learn if tickets get any more affordable up until the point that you make your acquisition. If you’re flying internationally, begin your ticket search concerning 20– 24 weeks in advance.

– It won’t do you much excellent to look for tickets more than 6 weeks (for domestic) or 24 weeks (for worldwide) ahead of time given that ticket prices might fluctuate extensively prior to you actually make your purchase.

– Trying to find worldwide trips 24 weeks beforehand might appear like a very long time, but airline companies elevate their global flight costs several weeks prior to they elevate the expenses of domestic flights.

1.2)– Purchase-your-tickets-at-least-2-weeks-before-flying-.

The ideal home window of time to get your tickets is 2-4 weeks prior to you’re planning to fly. Many airline companies will increase their ticket prices as soon as fewer than 2 week continue to be before the trip. This is especially crucial if you’re flying during active traveling times– e.g., over springtime break or prior to Thanksgiving– considering that flight prices can often double or triple as the trip day techniques.

– If you’re flying internationally, plan to start looking much further ahead of time, given that international flights set you back a lot more. Plan to get tickets at least 3 months prior to you fly.

– If you wait till, claim, 1 week before flying, you’ll be stuck buying really pricey tickets, even if you’re flying on a budget plan airline company.

– If you forgot to purchase your tickets 2-3 weeks before the day of your trip, the next-best option is to wait to buy tickets up until less than 24 hr prior to your flight. Airlines will certainly commonly significantly reduced ticket prices in order to fill out all of the seats on the airplane. Nevertheless, if you wait until the eleventh hour, you might learn that the trip has sold out, or that the only remaining tickets are extremely pricey.

1.3)– Check-out-alternate-dates-to-find-more-affordable-tickets-.

If your travel schedule is relatively flexible and also you can change the days that your flights depart as well as show up, you might have the ability to find less expensive flights. Compare ticket prices throughout a 3-4 day window making use of a collector site or airline company site. Select the days that use the most reduced trips if you can handle to reorganize your traveling strategies!

– For instance, say you were planning to fly out on May 1 and also return on May 20 for $400 USD. You may discover that it costs only $325 USD to depart on May 3 as well as return on May 21 if you check out alternate days.

1.4)– Save-money-by-taking-your-flight-early-in-the-morning-or-late-at-night-.

Many tourists prefer to fly at convenient times that don’t require them to keep up late or rise early. As a result of the increased demand for trips at preferred times, airline companies will certainly bill extra for flight tickets at, for example, 10:00 a.m. On the other hand, red-eye flights that remove in between 9:00 pm and 9:00 am will certainly be steeply marked down in order to offset the hassle of taking a trip at these times.

– Most aggregator and airline company websites let you choose the certain times that you would certainly like your flight to depart.

1.5)– Schedule-your-departure-for-the-middle-of-the-week-or-a-Saturday-.

Airline companies typically launch sales for certain paths on Monday evening due to the fact that they want holiday company to capture wind of sales early in the week. Competitors match the bargains on Tuesday early morning, which causes airline companies to lower the flight costs. So, your finest contended obtaining economical bargains is to search for trips that leave on Tuesdays, Wednesdays, or Saturdays. Friday and Sunday often tend to be one of the most pricey domestic traveling days, so avoid buying tickets for these days.

– If you’re flying globally, flying on a weekday is generally less costly than flying on the weekend.

– Of course, this strategy isn’t 100% reliable. It’s a good concept to do a general look for details routes of passion on several days of the week (including weekends). By doing this you have a concept of how much the tickets price as well as you can identify a sale when it shows up.

2)– Choosing-an-Airline-and-Booking-Site-.

2.1)– Search-for-cheap-airline-tickets-using-your-browser’s- incognito-mode-.

Incognito mode keeps the websites you check out from positioning cookies on your computer. If a site notifications that you’ve searched for the exact same trip numerous times, it will certainly often immediately elevate the ticket prices. Press Control + Shift + N to open up incognito setting if you search in Chrome or Safari. If you utilize Firefox or Web Explorer, press Control + Shift + P.

– Placing your web browser in Incognito mode is especially essential if you browse on various days of the week. Otherwise, old prices will certainly in some cases display instead of new ones, and you might miss out on the best price.

– If you prefer to not utilize your browser’s Incognito setting when searching for tickets, erase your cookies after each see to a traveling site.

2.2)– Compare-different-airlines’- ticket-prices-with-aggregator-websites-.

Aggregator sites are a fantastic device to utilize if you would love to search and also compare numerous airlines versus one another. Type in your separation and also arrival airport terminals as well as days of travel, as well as scroll through the various flight combinations until you find the most affordable. Several accumulated sites also have a low-fare calendar so you can see which are the least expensive days to take a trip in a 30-day period.

– If you don’t mind putting in a bit even more job, visit the least expensive airline’s internet site after you have actually contrasted it with others on a collector site. Some airlines will supply unique offers as well as price cuts if you acquire tickets straight from the website.

– Popular trip collector sites include Priceline, Travelocity, and Expedia.

2.3)– Fly-on-a-budget-airline-if-you-don’ t-mind-flights-without-amenities-.

Budget plan airline companies can manage to discount their tickets due to the fact that they don’t use in-flight eases like Wi-Fi, free snacks, and also reclining seats. Traveling on these airline companies can occasionally cost less than half as long as a trip on an extra lavish carrier.

– If you’re flying with the UNITED STATE, Hawaii, as well as the Caribbean, check out airlines like Frontier, JetBlue, Southwest, and also Spirit.

– Or, if you’re flying in Europe, try scheduling via Norwegian Air.

3)– Finding-More-Ways-to-Save-.

3.1)– Sign-up-for-email-alerts-to-be-informed-about-low-fare-deals-.

Nearly all major guidebook websites allow you to enroll in traveling alerts. Simply input your home airport and destination airport terminal and days of travel, and also the site will send you an email notification. Enroll in travel price cuts at the very least 3-4 months in advance if you’re flying domestically. This will certainly give you plenty of time to keep in mind fads in ticket prices and acquisition when flights are most affordable.

– If you do not have a particular travel destination in mind, enroll in email signals about the least expensive tickets from a particular separation flight terminal (as well as any kind of close-by airports).

– If you have a details destination in mind, register for a low-fare alert from http://yapta.com or http://airfarewatchdog.com. Websites like AirfareWatchdog likewise arrange the most effective rates for flights from a particular city as well as to a specific city, so you can prepare a cost-efficient itinerary.

2)– Purchase-separate-1-way-flights-to-avoid-paying-round-ticket-prices-.

This is a trick made use of by numerous sophisticated airline company sleuths. Often spending for a pair of 1-way tickets amounts to less than purchasing a single round-trip ticket. So, as opposed to looking for round-trip tickets, look for a set of 1-way tickets as well as purchase them individually. You might also fly on a different airline company for every trip, relying on which airline companies give the cheapest 1-way flights.

– For example, it may cost $300 USD to get a round-trip ticket from Seattle to Denver. But if you get separate 1-way tickets from Seattle to Denver and back, you may only pay $75 per ticket.

3.3)– Use-a-credit-card-that-offers-travel-rewards-to-earn-frequent-flyer-miles-.

Travel rewards charge card commonly supply you a certain quantity of miles for every buck that you credit the card. If you utilize a credit card for most of your day-to-day acquisitions, making use of a travel card can be a terrific means to accumulate miles promptly. After that, when you have actually built up adequate miles to cover your round-trip ticket, you can take the trip free of charge.

– Contrast various traveling bank card to find the one that matches you ideal. For example, not all cards work with all significant airlines, and some cards might charge larger yearly costs than others.

– You can additionally get charge card with many major airlines. These cards generally give you hundreds of frequent-flyer miles when you trigger them and also remain to collect miles when you make acquisitions on the card.

3.4)– Use-your-frequent-flyer-miles-to-get-free-flights-.

Almost all airline companies supply frequent-flyer miles to anybody who flies with them. Authorize up online for their miles program if you utilize 1 airline a lot more regularly than any type of others. You’ll have to spend for numerous flights to build up sufficient miles, but once you have actually built up 20,000– 40,000 miles, you’ll have sufficient to obtain round-trip domestic tickets completely free!

– You can register for any airline company’s frequent-flyer program online. Input your name, address, credit card details, and address. The airline company will appoint you a frequent-flyer number that you can make use of to login to your account as well as money in your gathered miles.

With airline company ticket costs on the increase, more and even more individuals are looking for methods to score cheap tickets. Many airlines will certainly elevate their ticket prices once less than 14 days remain previous to the flight. – If you neglected to purchase your tickets 2-3 weeks prior to the day of your flight, the next-best option is to wait to buy tickets up until much less than 24 hours prior to your flight. Sometimes paying for a pair of 1-way tickets adds up to less than buying a single round-trip ticket. Rather of looking for round-trip tickets, search for a pair of 1-way tickets and also buy them individually.

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'Buy', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_buy').html(obj); jQuery('#thelovesof_buy img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'Cheap', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_cheap').html(obj); jQuery('#thelovesof_cheap img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'Airline', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_airline').html(obj); jQuery('#thelovesof_airline img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'Ticket', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_ticket').html(obj); jQuery('#thelovesof_ticket img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'Charming', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_charming').html(obj); jQuery('#thelovesof_charming img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); ); [clickbank-storefront-bestselling]

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'a', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_a').html(obj); jQuery('#thelovesof_a img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'e', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_e').html(obj); jQuery('#thelovesof_e img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'i', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_i').html(obj); jQuery('#thelovesof_i img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'o', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_o').html(obj); jQuery('#thelovesof_o img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'u', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_u').html(obj); jQuery('#thelovesof_u img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'y', orderby: 'rand', order: 'DESC', template: '1', limit: '4', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_y').html(obj); jQuery('#thelovesof_y img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); );

0 notes

equitiesstocks · 4 years ago