#it will drastically improve your power bill and pay for itself.

[embarressment-erradicated]

the problem with led headlights isn't the fact that they are leds it's the fact that people install them improperly in headlights that aren't meant for leds. so they get incredibly bright due to having the power required to light up headlights that aren't leds.

it isn't leds that are the problem. it's people not installing them correctly so they don't have as much power driven to them, making them way brighter than they should be since people just think "oh I can just screw it in here right" not realizing that they have unleashed hell upon our mortal plains.

you literally can not tell the difference between leds and other lightbulbs.

proof? all of the lights in this household used to be incandescent, but were switched to leds.

one of the people in the household who swears that leds are horrible. still has not noticed.

it has been a year.

I'm sorry but fucking hell this bugs me so much. people are literally saying no to leds based on assumptions that haven't held true for a while and misconceptions founded on people assuming things rather than looking into it.

so no. don't criminalize led headlights. install them correctly.

and do your own research.

[zampanobra]

An Elegy For Cyberpunk

The genre isn't gone, but the silver lining sure is.

William Gibson's Neuromancer is one of those books that I can't remember ever not having read. But I do remember that it wasn't long after I read it that I was introduced to Shadowrun, which quickly supplanted D&D as my go-to RPG. I'm not sure how well I understood what was going on in the plot, and was probably too young to understand a lot of what was going on. (Later on, when I started to understand self-loathing, it made a lot more sense.)

Even then, I loved the world, the technology, and the aesthetic. Gibson is fantastic at showing an entire scene through a couple of hints. He doesn't lean into a lot of what we've come to think of as "cyberpunk" aesthetic, and I prefer his much more understated settings more than a lot of his more over-the-top progeny.

Aside from how it looks, though, a common trope is its focus on people on the fringes of society--the "low life" going along with the "high tech." It's not always criminals, although these lines get a tad blurry due to the increasing corporate dominance that is another common trope of the setting. This is even more the case in the Shadowrun RPG, where your characters ("runners") are mercenaries for hire by all the corporations vying for an edge, where law enforcement has itself been privatized, and where governments' roles in their citizens' daily lives are steadily eroding. (Although a dragon is elected president of one of the major North American countries, so there is that.)

Those familiar with this setting and the tropes associated with it may have raised an eyebrow when I said that there was a silver lining associated with cyberpunk. I'd even venture to say there's an actual optimism in many of these stories.

The Cyber Trickles Downhill

There's a public intellectual of sorts named Eliezer Yudkowsky who started a ~~cult~~ website called LessWrong, and who talks a lot about technology, science, and what-not. He has various "laws" attributed to him, one of which is that "Every eighteen months, the minimum IQ necessary to destroy the world drops by one point." The idea is that, over time, increasingly powerful technology will be in the hands of everyday people. It's kind of like the cliché about how we all walk around with smartphones that are orders of magnitude more powerful and capable than the computers used to send people to the Moon.

Unfortunately, this is not how it generally works out. When better computers and connectivity end up in people's hands, so does a great deal of capture: DRM, surveillance (both corporate and governmental), monopolization, and more recently the move to software-as-a-service (where you have to pay a subscription to keep using something on your personal devices). You can get around much of these, but only but devoting significant time and effort to doing so, and you may often have to do without some aspects of those services. It's rarely going to be as convenient as the more intrusive version, and in some cases you may be outright prevented from communicating with people without using it. And this is without getting into situations where your information is turned over to third parties without your even having an option. In my own life, two of our doctors' offices use third-party portals that include some aspect of record keeping, schools and daycare facilities use them, and I'm of course subject to any of the national things like credit reporting agencies.

Meanwhile, things like artificial limbs and the like have generally made their greatest advances in times of war. Prosthetics in at least some form go back to Ancient Egypt, but a formal industry focused on their production would not come into being until far later. In the United States, it was the Civil War that would drastically increase demand, with thousands of amputees surviving the war and seeking prosthetic limbs: one study estimated that 70,000 men lost limbs during the war. Part of this was the development of the Minié ball, a more modern bullet that caused more irregular wounds to flesh and was heavy enough to shatter bone. Medical science being what it was, doctors generally decided that amputation was a better approach than trying to piece the patient's body back together. After the war, the federal government created the means for the prosthetic boom by agreeing to provide prosthetics for any veteran who needed them.

One veteran, James Hanger (who had himself lost most of a leg) was dissatisfied with the available options, and so developed an artificial leg that hinged and was shaped more like a human leg. He went on to establish the American Artificial Limb Company after the war (which still exists as Hanger, Inc.). Mass production of artificial limbs wouldn't come about for another 60 years or so. Nonetheless, this next development was again spawned by the same combination of factors: a massive conflict leaving thousands upon thousands of amputees (World War I in this case) combined with the federal government providing the money. (War is, indeed, a racket.)

Little seems to have changed into the present, when it's now the perpetual wars in Iraq and Afghanistan, combined with military-oriented welfare programs being the only ones not under constant attack by austerity.

So it is that cyberpunk's dream of widespread limb replacements seems unlikely without coming on the heels of years of additional thousands of traumatic amputees and billions of dollars in subsidies. Under our current system, after all, there is no incentive to continue improvements to artificial limbs without government footing the bill, and the government in turn seems largely unwilling to pay attention to the needs of its citizens that don't have any connection to the military.

The other technologies that epitomize the cyberpunk genre are equally captured. All the improvements to computer technology in the world don't help without the infrastructure to connect them to each other, and service providers have made sure that they can maintain their monopolies (the lucky few have two options). So it is that we get things like data caps, which Comcast introduced for its customers just a few days ago as of this writing, during a time of pandemic when more and more people are reliant on broadband internet access to work and go to school.

In a similar vein, computer and communications technology has become only selectively easier to use. The basics are much simpler, to be sure, but the kinds of things depicted in cyberpunk--hacking and maintaining some semblance of privacy to name two prime examples--are harder and harder. Privacy in particular requires a near constant battle against the hydra of corporate interests that are constantly trying to chip away at it. And not just in terms of taking data itself, but even the expectation of privacy.

Facebook, Instagram, TikTok, YouTube--they're all predicated on making us share. And of course we do exactly that. Why wouldn't we? We have an innate need for community and connection. But just as advertisers long ago figured out that they could turn our own wiring against us, so-called social networks (anti-social networks?) took our desire for connecting with other people and purified it until it became a freebase. It's difficult to avoid and even harder to quit.

It takes money, knowledge, and work to even slightly escape, and even then it's not really possible unless you happen to only interact with similar privacy-minded folk or cut yourself off from society entirely. It takes almost nothing to be entirely mapped.

Meanwhile, the task is made that much harder by the fact that it's not entirely clear why our data is worth anything. The conventional wisdom is that it's for targeted advertising, but I have to wonder if that's actually worth anything anymore. Then again, it could be completely ineffective but still something companies want to do, since marketing believes that someone has to see a product multiple times before they'll actually seek it out. Plus, there's always the possibility of Facebook et al. cooking the books, as they did in the case of view counts on videos some years back.

Regardless, this lack of knowledge makes it harder for us, because we can't target our defenses. We don't have a clear idea of what's valuable and what isn't, what data is already out there and what data is still being sought. We can't, for example, make digital chaff to flood the collectors with junk.

Chains of Chrome

I'm told that essays should have some part of the author in them, and I can't help but notice that this approach--intertwining personal anecdote with the overall point--is used all over the world. Maybe it's a matter of not getting outside my own writing, but it seems to me that simply what I'm writing and how says more about me than talking about the smells in the bookstore where I bought my first copy of Neuromancer, or some story about my relationship with the friend who introduced me to Blade Runner. I personally have more faith in readers than that.

Having written what I have already, is it really surprising to know that what draws me to the genre more than anything is freedom? It may seem strange to associate freedom with the extremely powerful corporate entities and material conditions of most cyberpunk. But notice, these stories don't focus on the corporate bureaucrat trapped in a structure they'll never escape. Instead, it's the technologically-enhanced ronin, whether their particular weapons are blades or computer viruses. They ultimately answer to no one but themselves, and can generally find a way to live their own lives within the cracks in the business edifice. Sure, drama demands that this not always be true in some way, even if it's as simple as the criminal's reputation.

It's not difficult, then, to see the appeal. I have no skills to sell even if there were still a market for such things (instead of credentials). Mercenaries are rightly outcast, since chances are they'll be put to worse use than even a state-sponsored military. There's a reason that Blackwater has had to change its name two or three times by now.

Cyberpunk allows us all of the freedom of a new frontier by finding that frontier within an existing structure. Its characters aren't constrained the way we are in our daily lives, and can overcome both human nature and human society through the technology available to them. What is now considered experimental or only the purview of DARPA is to them a child's toy, with far better ready for purchase on the streetcorner.

In many ways, cyberpunk is a product of its time, when technology seemed to offer at least as much possibility as threat. Now, we don't really trust technology to be enough. We see the slow-motion apocalypse of climate change and don't believe that we can invent our way out of it; recognizing that even if the device existed, someone would figure out how to capture its benefits. I'm not sure it'll be anything so stark as having clean cities and then a burned wasteland surrounding them, but we'll only be saved to the extent that we're useful.

Cyberpunk showed us an increasing commodification of our lives, but even those imaginations couldn't foresee the degree to which this would be true, while they simultaneously underestimated its subtlety. The trackers on every website that form pieces of the economic puzzle that is ourselves feel too small to fight, and so we sell ourselves in a thousand pieces. Even being a corporate spy in a future dystopia is more honest.

[brianslist]

The absolute best 5 Key Benefits of Purchasing and Owning Investment Realty

So... You may ask yourself, why should you buy or invest in real estate property in the First Place? Because it's the IDEAL investment! Let's take a moment to handle the reasons why people should have investment real estate in the first place. The easiest alternative is a well-known acronym that addresses the key benefits for all those investment real estate. Put simply, Investment Real Estate is an IDEAL financial commitment. The IDEAL stands for: • I - Income • H - Depreciation • E - Expenses • The - Appreciation • L - Leverage Real estate will be IDEAL investment compared to all others. I'll explain each help in depth. The "I" in IDEAL stands for Income. (a. k. a. positive cash flow) Does it even earn money? Your investment property should be generating income from rental prices received each month. Of course, there will be months where you may feel a vacancy, but for the most part your investment could be producing an income. Be careful because many times beginning investors exaggerate their assumptions and don't take into account all potential costs. The particular investor should know going into the purchase that the property will surely cost money each month (otherwise known as negative cash flow). The scenario, although not ideal, may be OK, only in precise instances that we will discuss later. It boils to the risk tolerance and ability for the owner to fund plus pay for a negative producing asset. In the boom years regarding real estate, prices were sky high and the rents couldn't increase proportionately with many residential real estate investment properties. A large number of naïve investors purchased properties with the assumption that the understanding in prices would more than compensate for the fact that your high balance mortgage would be a significant negative impact on a funds each month. Be aware of this and do your best towards forecast a positive cash flow scenario, so that you can actually realize all the INCOME part of the IDEAL equation. Often times, it may require a more significant down payment (therefore lesser amount being mortgaged) so that your cash is acceptable each month. Ideally, you eventually pay off the actual mortgage so there is no question that cash flow will be coming in each month, and substantially so. This ought to be a vital aspect of one's retirement plan. Do this a few times and you won't really need to worry about money later on down the road, which is the main goal as well as reward for taking the risk in purchasing investment property from the start. The "D" in IDEAL Stands for Depreciation. With commitment real estate, you are able to utilize its depreciation for your own tax advantages. What is depreciation anyway? It's a non-cost accounting method to take into account the overall financial burden incurred through real estate investment. Look at this a second way, when you buy a brand new car, the minute you travel off the lot, that car has depreciated in appeal. When it comes to your investment real estate property, the IRS allows you to deduct this amount yearly against your taxes. Please note: Now i'm not a tax professional, so this is not meant to be a tutorial in taxation policy or to be construed as place a burden on advice. With that said, the depreciation of a real estate investment property depends on the overall value of the structure of the property and the period of time (recovery period based on the property type-either residential or commercial). If you have ever gotten a property tax bill, they usually break your property's assessed value into two categories: one for the importance of the land, and the other for the value of the arrangement. Both of these values added up equals your total "basis" for property taxation. When it comes to depreciation, you can deduct in opposition to your taxes on the original base value of the building only; the IRS doesn't allow you to depreciate land worth (because land is typically only APPRECIATING). Just like your new van driving off the lot, it's the structure on the property that may be getting less and less valuable every year as the nation's effective age gets older and older. And you can use this with your tax advantage. The best example of the benefit regarding this unique concept is through depreciation, you can actually turn a property who creates a positive cash flow into one that shows a damage (on paper) when dealing with taxes and the IRS. As well as by doing so, that (paper) loss is deductible against your wages for tax purposes. Therefore , it's a great benefit for those that are specifically looking for a "tax-shelter" of sorts for their properties investments. For example , and without getting too technical, suppose that you are able to depreciate $15, 000 a year from a $500, 000 residential investment property that you own. Let's say you're cash-flowing $1, 000 a month (meaning that after all prices, you are net-positive $1000 each month), so you have $12, 000 total annual income for the year from this property's rental income. Although you took in $12, 000, you can show through your accountancy with the depreciation of your investment real estate that you actually lost $3, 000 on paper, which is used against any income taxes that you may owe. Out of your standpoint of IRS, this property realized a loss in $3, 000 after the "expense" of the $15, 000 accounting allowance amount was taken into account. Not only are there no taxes expected on that rental income, you can utilize the paper decrease in $3, 000 against your other regular taxable cash from your day-job. Investment property at higher price details will have proportionally higher tax-shelter qualities. Investors use this in their benefit in being able to deduct as much against their taxable amount owed each year through the benefit of depreciation with their underlying investor. Although this is a vastly important benefit to owning funding real estate, the subject is not well understood. Because depreciation is actually a somewhat complicated tax subject, the above explanation was intended to be cursory in nature. When it comes to issues involving taxation's and depreciation, make sure you have a tax professional that can give you advice appropriately so you know where you stand. The "E" in RECOMMENDED is for Expenses - Generally, all expenses incurred with regards to the property are deductible when it comes to your investment property. The retail price for utilities, the cost for insurance, the mortgage, as well as interest and property taxes you pay. If you use home manager or if you're repairing or improving the property its own matters, all of this is deductible. Real estate investment comes with a lot of expenses, chores, and responsibilities to ensure the investment property itself performs in order to its highest capability. Because of this, contemporary tax law mostly allows that all of these related expenses are deductible towards the benefit of the investment real estate landowner. If you were to make sure you ever take a loss, or purposefully took a burning on a business investment or investment property, that decline (expense) can carry over for multiple years to protect against your income taxes. For some people, this is an aggressive and technological strategy. Yet it's another potential benefit of investment realty. The "A" in IDEAL is for Appreciation - Understanding means the growth of value of the underlying expenditure of money. It's one of the main reasons that we invest in the first place, and it's really a powerful way to grow your net worth. Many properties in the city of San Francisco are several million cash in today's market, but back in the 1960s, the same property was initially worth about the cost of the car you are currently operating (probably even less! ). Throughout the years, the area has become more popular and the demand that ensued caused the real residence prices in the city to grow exponentially compared to where they were a few decades ago. People that were lucky enough to recognize the, or who were just in the right place at the ideal time and continued to live in their home have recognized an investment return in the 1000's of percent. At this time that's what appreciation is all about. What other investment can make you will this kind of return without drastically increased risk? The best piece about investment real estate is that someone is forking over you to live in your property, paying off your mortgage, and making an income (positive cash flow) to you each month along the way through your course of ownership. The "L" in IDEAL would mean Leverage - A lot of people refer to this as "OPM" (other people's money). This is when you are using a small amount of your money to overpower a much more expensive asset. You are essentially leveraging your sign up and gaining control of an asset that you would ordinarily not be able to purchase without the loan itself. Leverage is substantially more acceptable in the real estate world and inherently much less risky than leverage in the stock world (where it is done through means of options or buying "on Margin"). Leverage is common in real estate. Otherwise, people may only buy property when they had 100% of the hard cash to do so. Over a third of all purchase transactions are all-cash transactions as our recovery continues. Still, about 2/3 of all purchases are done with some level of financing, to be sure the majority of buyers in the market enjoy the power that leverage generally offer when it comes to investment real estate. For example , if a real estate investor was basically to buy a house that costs $100, 000 with 10% down payment, they are leveraging the remaining 90% through the use of the attached mortgage. Let's say the local market improves by 20% covering the next year, and therefore the actual property is now worth $120, 000. When it comes to leverage, from the standpoint of this property, the value increased by 20%. But compared to the investor's precise down payment (the "skin in the game") of $10, 000- this increase in property value of 20% genuinely means the investor doubled their return on the investment decision actually made-also known as the "cash on cash" gain. In this case, that is 200%-because the $10, 000 is now reliable and entitled to a $20, 000 increase in all round value and the overall potential profit. Although leverage is viewed a benefit, like everything else, there can always be too much of an excellent. In 2007, when the real estate market took a turn for that worst, many investors were over-leveraged and fared any worst. They could not weather the storm of a lengthening economy. Exercising caution with every investment made will help to ensure that you can purchase, retain, pay-off debt, and grow your own wealth from the investment decisions made as opposed to being at the particular mercy and whim of the overall market fluctuations. For certain there will be future booms and busts as the past would certainly dictate as we continue to move forward. More planning and setting up while building net worth will help prevent getting bruised and battered by the side effects of whatever market we all find ourselves in. Many people think that investment real estate is barely about cash flow and appreciation, but it's so much more compared with that. As mentioned above, you can realize several benefits through each one real estate investment property you purchase. The challenge is to maximize the benefits by means of every investment. Furthermore, the IDEAL acronym is not just a reminder of the benefits of investment real estate; it's also here to deliver as a guide for every investment property you will consider selecting in the future. Any property you purchase should conform to all of the notes that represent the IDEAL acronym. The underlying property ought to have a good reason for not fitting all the guidelines. And on almost every case, if there is an investment you are considering that doesn't click all the guidelines, by most accounts you should probably Give it! Take for example a story of my own, regarding a home that I purchased early on in my real estate career. To this day, oahu is the biggest investment mistake that I've made, and it's really because I didn't follow the IDEAL guidelines that you are checking and learning about now. I was naïve and the experience was not yet fully developed. The property I paid for was a vacant lot in a gated community production. The property already had an HOA (a monthly care fee) because of the nice amenity facilities that were built for this, and in anticipation of would-be-built homes. There were big expectations for the future appreciation potential-but then the market turned for those worse as we headed into the great recession that lasted from 2007-2012. Can you see what parts of the IDEAL specifications I missed on completely? Let's start with "I". Typically the vacant lot made no income! Sometimes this can be ideal, if the deal is something that cannot be missed. But for one of the most part this deal was nothing special. In all honesty, I had considered selling the trees that are currently on the vacant lot to the local wood mill for some actual source of income, or putting up a camping spot ad on the localized Craigslist; but unfortunately the lumber isn't worth ample and there are better spots to camp! My expected values and desire for price appreciation blocked the rational as well as logical questions that needed to be asked. So , when the software came to the income aspect of the IDEAL guidelines for a investment, I paid no attention to it. And I paid out the price for my hubris. Furthermore, this investment did not realize the benefit of depreciation as you cannot depreciate land! So , we are zero for two so far, with the IDEAL guideline for you to real estate investing. All I can do is hope typically the land appreciates to a point where it can be sold sooner or later. Let's call it an expensive learning lesson. You at the same time will have these "learning lessons"; just try to have because few of them as possible and you will be better off.

[reliablesolar]

What Kind of Residential Solar Panels Are Right For Your Home?

If you are interested in solar panels for your home, you have many options. You can choose to go with ground-mounted solar panels, or you can opt for Grid-tied systems. Community solar subscription programs are also available. But the key is to decide what kind of residential solar system is right for your home. Read on to discover the options and find out how to make the best choice for your needs. Then, you can get started with your solar energy installation project.

Ground-mounted solar installations

If you're considering installing residential solar solutions on your property, you should know that a ground-mounted system requires more upfront costs. In addition to an electrical system, you'll need a pole, scaffolding, and concrete foundation. However, this investment will pay for itself in less than a decade. With government incentives and vendor rebates, this process can be accelerated. To maximize your savings, consider adding a tracking system to your ground-mounted system.

While ground-mounted solar panels are more convenient, they're also more vulnerable to vandalism and accidents. Additionally, they're easier to maintain and clean, making them easier to maintain. While ground-mounted solar installations are easier to clean, they're also more prone to dirt and dust build-up. You'll need to hose them down on a regular basis. And if you're concerned about privacy, consider having a fence installed around your system.

Most companies own copious property and have no roof space to devote to solar panels. Ground-mounted solar installations fit well in places where there's no roof space. They can also serve a practical purpose in parking lots, undeveloped lots, and other awkward spaces. By converting these areas into a solar panel array, these companies not only generate energy, but also build a positive image among neighbors. This can make the land valuable for the company.

Grid-tied solar systems

Grid-tied residential solar solutions can be a great way to save money on electricity. With these solutions, homeowners can import any power they don't use from the grid or save credits in their energy bill. In some cases, homeowners can even sell any excess electricity back to the utility, and the surplus power is fed into the grid through an energy meter. Regardless of your preferred method, grid-tied residential solar solutions are a great way to save money on electricity while also improving the efficiency of your electrical system.

One of the best features of grid-tied home solar solutions is that they can be directly connected to your local electrical grid. The utility company acts as a huge reservoir for excess solar energy, and if you generate more power than you use, you can feed the extra electricity back to the utility. The utility company will then credit your account for that excess power. This way, you can enjoy 15 years of profits after you break even on your solar power system.

The benefits of grid-tied residential solar solutions are numerous. The biggest benefit is that you can sell your excess solar power back into the grid at full retail rate, which can drastically lower your energy bills. Plus, grid-tied solar solutions require very little equipment, meaning you will save money. Installers also have less work to do, resulting in a lower labor cost. This is an excellent option for those who want to get started with solar energy.

Community solar subscriptions

Residential solar solutions are a great way to cut your carbon footprint, help the environment, and support your local economy. These programs often have pay-as-you-go payment options as well as shorter term subscriptions. By participating in a community solar subscription, you can choose a payment term that best suits your needs. Listed below are the advantages of community solar. If you want to learn more, check out this article.

Subscribers to community solar do so in exchange for a share of the power generated by the project. These organizations are similar to power plants in that they produce energy that is then sent to the local power grid. The difference is that community solar farms generally produce less than five megawatts (MW), which is enough to power 542 homes annually. Subscriptions to community solar are paid in credits generated from solar farms, not by the subscribers.

Another advantage of community solar is that there are no upfront costs and no home installation required. Many community solar projects offer greater bill savings than that. Whether you own your own home or rent it, community solar helps you reduce your energy bills and supports the environment. The best part is that you can participate in this program without the installation of residential solar panels. It also helps you save money on your electric bills because the cost of installation is shared by all of the subscribers.

[decadentpeachwasteland]

Monthly Budget App Mac

Monthly Budget App Mac Free

Best Budget Apps

Mac Budget Software

Home Budget For Mac

Monthly Budget Application Template

Monthly Budget App Mac Desktop

You Need a Budget has quickly grown from a financial management app to one of the strongest financial brands and possible the best budget app for Mac, a suite of powerful products that manage to. The world is now advanced and so there is no need to strain with paperwork. Instead of buying a book to draw on, you can simply download a budget template for Mac where you find everything already done for you; all you need to do is fill in details. Download a budget tracker template for free today and enjoy time and cost flexibility. Despite the launch of Quicken, the makers have continued to develop SEE Finance into a very reliable, robust and feature packed personal budgeting app for Mac. In fact the latest version of SEE Finance 2 has been built from the ground up and is a big improvement on SEE Finance 1 in terms of both looks, functionality and affordability. Mint has been around a long time and is a very well known budgeting app. It’s very easy to use. Mvelopes gives you the tools to track your daily spending while keeping your weekly or monthly budget in focus. The app features an “envelope budgeting” system that helps you plan as well as. Fudget is a simple and fast alternative to feature-rich, complex budget planner / personal finance apps. There are no categories to manage, no charts to interpret and no learning curve. Create simple lists of incomings & expenses - keep track of the balance; One-tap adding and editing; Star an income/expense to repeat it on future budgets.

Budgeting is a discipline that’s not often met with excitement. Many assume that budgeting is something reserved for companies or, say, freelance workers. However, personal budget software is just as important as corporate one — it’s a fundamental understanding of where money is coming and going.

You may consider it to be boring, tiring, time-consuming, or difficult, but managing your finances well can help you achieve goals and stave off the stress of a rainy day. Thankfully, there are tools and apps on Mac which can help you get on top of budgeting, no matter how experienced you are.

Why Should I Use Budget Tracking Software?

If you haven’t done a budget before, you should start now. You never know when you might need a particular sum of money to solve an issue, meet a goal, or take advantage of a sudden opportunity.

Budget programs help you reduce the stress and uncertainty that comes with not knowing where you stand financially. If you don’t have a home budget software, you might be tracking towards a situation where you run out of money, without even knowing it. If you do have a budget, then you’ll have a documented plan of action to improve your situation.

Open Apple Numbers In Your MAC or PC. Now, it's time to pull up Apple Numbers or any other budget apps on your MAC or PC and create a new file. To make your task a little easy, choose some of the ready-made budget planner or budget templates that are available Apple Pages. Then, once you feel that you are done, hit the 'save' button.

Importantly, you don’t need any qualifications to do a budget, nor do you need to be good with numbers. Take advantage of the best budget software for Mac to help you take control of your finances without the hassle. Budgeting tools come in many shapes and sizes, so selecting the right one for you depends on personal preference and previous experience with managing money.

Monthly Budget App Mac Free

Handy tips for budgeting tools

If you’re ready to start your budget, it’s best to consider a strategic approach to ensure maximum utility. Too often, budgets sit collecting dust after being created, and sometimes the act of creating a budget could feel like enough to satisfy financial concerns — it’s not. Here are some tips for making the most out of your budget.

First of all, definitely use an app to help you manage a budget. App developers invest a lot of time and money into figuring out how their software can make your life easier and better, so rather than trying to understand all the nuances for yourself, let a dedicated app do it for you. There’s even some free budget software around, so you have very few excuses not to try!

If you run a business (or freelance on a side), a little bit of work each week means end of year taxes are a breeze. It’s not about doing a marathon of work in a few days, but making a habit to consistently do a little bit here and there. Try aiming for 10 minutes every few days. The best tax preparation software will also have reminders and notifications to help you achieve this goal.

It might sound contradictory, but budgeting isn’t always about getting the numbers 100% accurate. When it comes to tax preparation software — sure. But budgeting is mostly about understanding where your money is being spent and then using that information to make more informed decisions going forward. Therefore, make sure you categorize your transactions so that it’s easier to spot those minutiae differences and trends. The best finance apps should do this for you automatically.

In summary, you want to ensure you take advantage of the online budgeting tools available to you, aim to update your records frequently, and focus on categorization over accuracy.

Features of good personal budget software

The best personal budget software for Mac is easier to pin down when you know exactly what you’re looking for. Not all apps are the same — they vary by function and pricing. Generally speaking, there are a few key features you want to see in your budget software for Mac:

It should be simple and easy to add new records or transactions

Importing bank and credit card statements should be possible

Automatically synchronizing statements will take the edge off your manual inputting

Useful dashboards or visuals will help you understand your situation at a glance

You should be able to categorize your transactions into groups

Out of those five key points, the ability to import is often the most essential. Importing saves you the hassle of adding each transaction into the money management software line-by-line, which adds up to a lot of time. It’s hard enough already to schedule frequent updates to your budget, so if you can remove the largest friction point of manual entry, then you’re in a good place.

The best budget software for Mac comparison

When it comes to programs to help budget money, there are countless options. It’s easy to get lost diving deep into each budget software review, but here are some of the best available, ranging from beautifully basic to powerfully advanced.

You’ve probably heard of Quicken, given that the name has been around since the early 80s. Even then, it was known as one of the best tax software companies around. That says something about the strong product, which carries all of the basic functions you’ll need to manage your budget well.

Right away though, you might notice that the interface has become somewhat dated in comparison to the newer contenders out there. But one of Quicken’s praised features is the ability to download bank statements and have the records automatically categorized, which can drastically reduce the time it takes to input your information, so you can spend more time making sense of it. Sadly, the Mac version is somewhat limited when it comes to advanced features, unless you splash out for the Home and Business edition.

MoneyDance is very similar to Quicken in terms of its basic features, including the ability to create a budget with notifications for bills and invoices. It also allows you to make your own charts and graphs to monitor spending habits over time, which can be seen on the homepage for a quick glance of your activity. Out-of-the-box integrations with online banking services also make it easy to send payments.

Unlike Quicken, Moneydance has some more advanced features including an investment monitor, which tracks your investments and their fluctuations — a useful addition, although best for the intermediate to advanced user. The app also has a developer API system in place to allow extended functions, mostly good for power users. Importantly, security is not an issue, as Moneydance utilizes end-to-end encryption for your data to give you that extra peace of mind.

You Need A Budget, also known as YNAB, is budget tracking software that runs on both Windows and Mac via web — saving automatically to the cloud, which is a bonus for multi-platform users. It also features native apps for iOS and Android, so you can literally tackle your budget from anywhere.

The app itself follows a simple design language, which is perfect for beginners, but if you find yourself needing help you can sign up for a personal instructor. YNAB doesn’t let you slack at all, and if you start to stray from your budget, the app will raise a red flag through it’s built-in Accountability Partner.

Although YNAB doesn’t support the ability to download and automatically categorize records from bank statements, it could be argued that entering them manually helps the user pay more attention to where their spending is going. Still, it’s a more time-consuming process that might be problematic for users processing hundreds or more records each month.

MoneyWiz stays true to its name — a comprehensive budget software and investment tracker that’s packed full with over 400 useful features. View your financial situation quickly by browsing accounts, groups, or searching for individual records. Speaking of records, you can enter them manually or have them automatically sync with leading banks, cryptocurrency exchanges, and financial services for an accurate real-time understanding of your accounts.

With all of this data in hand, MoneyWiz can prepare and export over 50 reports to help you gain deeper insights into your finances. Your data could be accessed from its cloud-based app or straight from the native software for Mac. All in all, MoneyWiz is extremely powerful: accessible for beginners and interesting for the most advanced users.

Receipts is yet another money management software for Mac, and is specifically well-known for its clever handling of invoicing. Using Optical Character Recognition (OCR) technology, Receipts automatically reads and translates important information about your bills, such as amount, date, currency, and more (even if the text is in another language).

Besides, Receipts can issue payments for invoices directly using third-party providers, such as iFinance and BankX. The OCR technology alone makes it a strong contender against other more simple online budgeting tools. Not least, Mac users will be glad to see how this application was designed to look and feel like a macOS product. Using a familiar user interface could make life a little easier after all.

Between the five options above, you have a strong starting point for your budgeting tools depending on your experience. Remember that importing is one of the key features to look for in budget programs. Still, in order to find the best fit you might need to try a couple of different options.

Thankfully, both MoneyWiz and Receipts have a free 7-day trial that you can take advantage of by heading over to Setapp, an app subscription service for Mac that gives you access to over 150 macOS apps, including all the necessary budget tools. Getting MoneyWiz and Receipts at once? You won’t be disappointed.

Setapp lives on Mac and iOS. Please come back from another device.

Meantime, prepare for all the awesome things you can do with Setapp.

Read on

Sign Up

Best Budget Apps

Setapp uses cookies to personalize your experience on our website. By continuing to use this site, you agree to our cookie policy.

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

Mac Budget Software

All-in-one finances

We bring all of your money to one place, from balances and bills to credit score and more.

Budgets made simple

Easily create budgets, and see our suggestions based on your spending.

Unlimited credit scores

Check your free credit score as many times as you like, and get tips to help improve it.

All your money in one place

We bring together all of your accounts, bills and more, so you can conveniently manage your finances from one dashboard.

See all of your bills and money at a glance

Create budgets easily with tips tailored to you

Enjoy access to unlimited free credit scores, without harming your credit

Effortlessly stay on top of bills

Bills are now easier than ever to track. Simply add them to your dashboard to see and monitor them all at once.

Receive reminders for upcoming bills so you can plan ahead

Never miss a payment with alerts when bills are due

Get warned when funds are low so you know what you can pay

We’re serious about security

We’re committed to keeping your data secure. With multiple safety measures like secure encryption and multi-factor authentication, we work to keep your information protected.

Home Budget For Mac

Sign in securely with your unique 4-digit code and password

Remotely access and manage your account from anywhere

Enjoy continuous protection with VeriSign security scanning

Intuitive features, powerful results

Mint is versatile enough to help anyone’s money make sense without much effort. There’s no wrong way to use it, and nothing to lose getting started. You’ll be surprised how life-changing something so simple can be. Learn More

Budgets that work

Create budgets you can actually stick to, and see how you’re spending your money.

Money on the go

Phone & tablet apps to manage your money from wherever you are.

One step at a time

Get personalized tips and advice for maximizing your money every day.

Sign up for Mint today

Monthly Budget Application Template

From budgets and bills to free credit score and more, you’ll discover the effortless way to stay on top of it all.

Download our free mobile app

Monthly Budget App Mac Desktop

Available for iOS and Android.

[allenmendezsr]

Energy2green - Wind And Solar Power System - *#1 Home Energy Program

New Post has been published on https://autotraffixpro.app/allenmendezsr/energy2green-wind-and-solar-power-system-1-home-energy-program/

Energy2green - Wind And Solar Power System - *#1 Home Energy Program

 Buy Now

    From the DIY Workshop of Tomas Haynes Solar, Wind, Energy Enthusiast & Creator of Energy2Green.com

“The power companies know that their customers could invest as little as $200 and generate their own electricity and literally make their meters spin backwards and that’s precisely why they hope you never learn about my Energy 2 Green system!”

Hello,

For generations, we have been held hostage by Power Companies. Despite relatively little investment in new power plants and equipment, the average consumer has seen their electric bill more than double in the past 10 years! This far outpaces inflation during that same time period and no one has invested in any nuclear facilities for more than 3 decades so why have the power companies raised our rates so dramatically?

It’s simple: We absolutely NEED electricity and the power companies know it. They have been justifying price increases for years despite having over 300 years worth of verifiable coal reserves (most electricity is produced using coal), not investing in new nuclear facilities since the 1970’s, and relatively low maintenance costs! But today, the average household spends $1,000 or more per year on electricity and the rates will keep going up and up guaranteed.

Actually, if you produce more electricity than you use, the electric company is obligated by law to buy it from you at current market price! So imagine if instead of mailing a check to the electric company each month they could be sending YOU a check each month! And no you DO NOT need to invest $1,000’s in costly solar panels or windmills to transform your home into an energy producing “green home”!

That’s right, forget about spending $3,000 or more for factory made windmills and solar panels because if you can follow simple step-by-step instructions and invest just $200 then you can transform your energy-using home into an energy producing “green home”! You don’t need a degree in engineering, specialized and expensive equipment, or even a big initial investment, just the determination to STOP being held hostage by the Power Companies, a small but manageable investment, and the Energy 2 Green systems manual!

The winning designs were ultimately put to the test…by High School students! That’s right, high school students with no help from their teachers were able to use the instructions to create their very own solar panels and windmills! All eight groups of students (working in pairs) were able to reproduce the winning designs to create both workable windmills and solar panels at an average cost of just $200 and using nothing more than simple hand tools!

The Sun produces a range of energy which we can only see a small part of as visible white light. Solar panels turn another part, or wavelength, of the light into electricity that can be harnessed. A photovoltaic cell (PV Cell) produces electricity on the principle that electricity will be produced when two semiconductors are exposed to a particular wavelength of light. Groups of PV Cells are linked together to form panels, the bigger the panel and the more cells, the greater the amount of electricity can be produced.

Watch this video to see how a man managed to set up solar power in his home and what you could make, following Energy 2 Green Solution:

Many people have seen wind turbines at some point or another in their life, but does the average person know how wind turbines work? We hope to answer that question so you will understand what makes wind power such a great alternative energy. The concept behind the wind turbine technology is not that difficult to understand. The wind blows, which turns the turbine blades. These blades are connected to a shaft that turns with the blades, and attaches to a generator which creates electricity and sends it to a sub-station.

Here is a similar wind power system to what you could make, following Energy 2 Green Solution:

Electric Bill Drastically Reduced Or Eliminated Completely (depending on your electric use and the type of device you build)

Help Fight Global Warming Even if the Government Won’t! (if enough of us “go green”, we can collectively and effectively combat global warming and help preserve the planet for our children!)

Fun and Productive Project That Helps You Spend Quality Time with the Family!

Investment Literally Pays For Itself In As Little As 2 Months!

Save Up to $1,000 each Year On Your Electric Bill!

Solar Panels Can Be Portable So You Can Take Them With You Anywhere Like When You Go Camping!

Gas and food prices are skyrocketing with no end in sight. Wages have essentially stagnated. The housing crisis is nowhere near over and everyone is looking to cut costs and your electric bill is eating up $1,000 or more each year now just imagine that expense completely eliminated or drastically reduced to around $120 per year what else could you use that money for?

Paying off your credit cards?

A vacation—each and every year?

A New Plasma TV?

A Much Deserved Shopping Spree?

Investing in Your Child’s College Fund?

Investing in Your Retirement Account?

‘I didn’t order the Energy 2 Green manual just to lower my electricity costs and I honestly didn’t expect a huge drop – I was just trying to make my kids proud and personally do something about the global warming problem. We had a blast building our own windmill which was rewarding enough for me – but then I got my first full monthly bill after completing it and it was actually a check!, Sure, it was only for $4.58 and I gave the money to my children – but it was the greatest feeling in the world especially knowing me and my family were doing our part to help preserve this world!”

Detailed Schematics and Diagrams Showing You Precisely How To Build Your Solar Panels (generates up to 200-watts each) or Windmill (generates up to 1000-Watts!) Including the Precise Measurements You Need For Optimum Performance!

Step-by-Step Instructions So Easy To Follow that Even High School Students Can Build Fully Functional Solar Panels and Windmills!

Where To Find The Materials You Need For Your Solar Panels or Windmill!

Installation Instructions To Hook the Solar Panel or Windmill Up To Your Home!

Detailed Maintenance Instructions and Schedule for Your Windmill or Solar Panel!

  Legal Information Regarding Your New Solar Power System or Windmill!

Pre-Construction Checklist That Helps Ensure Your Windmill or Solar Panel Project Goes Off as Planned!

Complete Background Information on Both Wind and Solar Power!

How To Contact Your Power Company to Make Sure You Get Paid Top Dollar for the Electricity you Generate!

Energy-Saving Tips to Reduce Electricity and Gas Use by 25% or More (the Energy 2 Green manual is a great investment for these tips alone!)

And Much, Much More!!

When you place an order below you will immediately receive a download link for the Ebook. The Ebook details how to create the Energy 2 Green system from easily obtainable parts, and shows users how to save literally tons of energy and money with the system. + You will also get the Bonuses!

These e-books are (electronic books) and are delivered ONLINE – if your computer can handle THIS website, then you can read or print these books using your browser. No download time, you get immediate access. Plus, you get free access for all future updates!

Why online books? Thanks to all the feedbacks from our readers, Energy 2 Green evolves and improves, and it’s happening REAL FAST. We want you to have the latest updates immediately. Every improvement, every new piece of information, and every new chapter, shows up automatically and immediately. You can visit the books as many times as you need and want. You will always see fresh information!

Watch Steve From Our Solar Information Center Website Demonstrate

 NEW – Our 60 minute step-by-step online video training for making high quality Solar Panels! (note: You will not receive a physical DVD, the video segments can be viewed online.)

You will watch Steve construct a solar panel from start to finish in one weekend. I have found that if you can make your own panels you can save huge. It is easy to understand how in our video training series. Nothing is left out in the video. You will see the whole process.

After watching our video training, you will be able to purchase individual solar cells at less than the cost of a premanufactured panel. This makes the cost of using solar energy more affordable.

Don’t let anybody tell you Solar Energy is too expensive. Buy our Package and find out how to construct your own panels and start saving money on your utility bills TODAY!

Click Here to Order Now

“I am 68 years old and living on a fixed income. Rising costs on just about everything from food and gas to my utilities were robbing me of having any money to spend on my grandchildren – something had to give or I was going to have to sell my house! An old buddy of mine from the army called me up one day and told me he built a couple of solar panels using your book and was now getting paid by the electric company each month – so I decided to give it a try. I know have built 3 solar panels for myself and sold almost a dozen to friends and family with the help of my grandchildren who love helping me make them – I can’t believe everyone isn’t doing this!! Thank You!”

“When work cut my hours, I honestly didn’t know how I was going to make ends meet. When I first heard about your book from a friend at work, I didn’t think it was for me. I can’t start the lawnmower half the time so I didn’t think I could possibly build a solar panel or windmill, but I had to cut costs somehow or risk me and my 2 small children becoming homeless! Using the stimulus check this summer, I decided to take a chance and believe it or not, me and my 12-year old son built a windmill! Not only did it help us save $100 each month, the electric company is now sending us a check each month! No, I’m not getting rich but at least I’m not worrying about that electric bill every month and my kids have a mom who is really doing something to help save the planet for them and their children! Believe me, if me and my 12-year old son can do it, anyone can!! Let’s all save the planet together and stop paying those greedy people at the electric company once and for all!!”

Step 1: Order the Energy 2 Green Manual for Just $49! (About ½ of what You Pay For Just 1 Month of Electricity!)

Step 2: Follow The Step-By-Step Instructions To Build Your Own Solar Panel or Windmill For as Little As $200.

Step 3: Install and Wait For Your Next Electric Bill!

That’s it doesn’t get much easier, does it? From the moment you order the Energy 2 Green manual, you will have instant access and be able to go out and buy the supplies you need to be generating electricity in your very own back yard within days possibly hours depending on how excited you are to get it up and running!

Don’t worry you don’t need to be a construction worker or have a garage filled with expensive tools and equipment to create your very own wind or solar power system! Armed with the Energy 2 Green easy-to-read manual, some simple hand tools, and the determination to free yourself from the power company once and for all you have everything you need to build your very own professional quality solar panels or windmill guaranteed!

  And To Make Sure You Really “Stick It To the Electric Company” While Helping Save the Planet and Serious $$…

“Planning & Installing Bioenergy Systems”

Once you see how easy it is to ‘go green’ using the simple, easy to read Energy 2 Green manual – we know you will be hooked and want to do even more for both yourself and loved ones!

Planning & Installing Bioenergy Systems provides an in-depth guide into renewable energy systems and help you completely transform your home into a true mini power station that is completely eco friendly!

This 238 page book is valued at $249 but yours FREE when you order Energy 2 Green today!!

“Renewable Energy Technology”

Energy 2 Green is designed to help anyone build and install their very own windmill or solar panels with easy-to-read step-by-step instructions but Renewable Energy Technology helps you understand the true power of this new and exciting energy revolution that will help us save our planet for future generations.

Regularly sold for $180, Renewable Energy Technology is our FREE gift to you when you order Energy 2 Green NOW!!

Simple click on the big button “Order Now” below and follow the easy instructions. As soon as you’ve placed your order, you’ll get INSTANT ACCESS and instructions on how to download all your e-books and bonuses! You can pay with credit card, debit card or PayPal. Your purchase is protected by a 100% satisfaction cashback guarantee.

These are e-books (electronic books) and are delivered ONLINE – if your computer can handle THIS website, then you can read or print these books using your browser. No download time, access is immediate.

This is it, the moment that can literally help end your dependence on the power company forever while making a REAL difference in the fight against global warming! The revolutionary information you need to start generating electricity in days and for as little as $200 is contained in the Energy 2 Green manual, including:

Step-by-Step and easy to read instructions!

Diagrams and Schematics!

Maintenance Tips and Schedules!

Energy Saving Secrets That Help Cut Electricity and Gas Costs Even More!

Pre-Construction Checklist!

And Plenty of Special Tips and Tricks To Get You Up and Running Even Faster!

Energy 2 Green is available in PDF format, so you can literally hit the ground running and go out and buy everything you need today and get started immediately! Your order is 100% secure, completely risk-free, and we never share your information with any third party for any reason, all you need to do to break free from the power company and start saving the planet is…

(Regular $190 Value! Only Today For $49) This Sale Expires Tomorrow!

YES! Give me the e-book + Online Video Training now for only $49, one-time charge.

Also give me the FREE updates and BONUSES at no extra charge.

I understand that this a limited time offer and may be removed at any time.

Click Here to Order Now

The Energy 2 Green is in PDF format and can be downloaded instantly after payment!

Order online safely and securely 100% Secure, Full Encryption Is Being Used You’ll receive your order instantly even if it’s 3am!

You won’t find a better price anywhere else for such a complete and quality conversion-kit manual with over 400 pages of detailed instructions and full illustrations easy enough for even a novice to follow.This technology is used successfully by thousands of satisfied customers.

We have never priced our guide this low, and won’t for much longer!

Our cheapest renewable energy competitor charges $210 which (we admit) is usually a lower price than ours, but with this limited-time sale, we are offering our guide for just 1/4 of their price, and our guide is easier to understand, costs less to set-up, and works more efficiently!

SMALLER SYSTEMS SELL ON THE INTERNET FOR $4,000-$6,500 AND THEY ARE WORTH EVERY PENNY. However, they take over a year to pay for themselves.

Our conversion system will easily pay for itself within a month or two.

Once installed, it will save you an average of $220 per month for many years into the future!

That’s a savings of well over $3,000 per year, every year, for a low one-time payment of just $190 $49. The math is real, and so are your savings!

Click ‘ORDER NOW’ to get this system!

Click Here to Order Now

P.S. – We cannot possibly guarantee this price forever because Success Stories like Edward are already starting their own “cottage industries” using our information to build solar panels and windmills for their friends and family! So don’t delay click here to order Energy 2 Green NOW before prices go up!!

Home | Contact | Affiliates

[springersolar]

What Are The Benefits Of Solar Power?

Throughout the years, solar energy has been widely criticised for being inefficient and expensive, but over time, it has proved to be very beneficial – not only for residential and commercial property owners but for the environment as well. It is no secret that the sun is a powerful energy source and when installing solar power solutions, many individuals can benefit from it.

Due to competitive prices improving in the market, as well as solar panel grants, more and more families in Brisbane are now converting to solar energy as their main source of power. Moreover, with innovation that is continuously improving, solar battery storage systems are also gaining for this transformation, turning solar energy solution into a significantly more productive source of green energy. This article will outline some of the key advantages of using solar power in Brisbane.

Renewable Energy Source: One of the greatest benefits of using solar energy is the fact that it is a renewable energy source. 

Solar energy is available every day and can be sourced in all areas of the world.  Solar energy cannot be depleted, unlike other energy sources, and will be accessible as long as the sun is shining.

Reduce Electricity Costs: Electricity bills can have a huge impact on your finances, but with a solar solution installed at your Brisbane residence, you will be able to reduce the cost of your bill. 

The amount you will be saving each month will be dependent on how much heat or electricity you use as well as the size of your solar system. Then again, not only will you be saving on your bill, but you may receive payments for the additional energy that you export back into the power network.  

Diverse Applications: When it comes to solar energy, it can be used for multiple purposes. You can produce heat (solar thermal) or electricity (photovoltaics). Moreover, solar solutions can power satellites in space, distill water in areas with restricted clean water supplies, and generate electricity in certain areas that have no access to the power network.

Low Maintenance Costs: Solar energy solution systems in Brisbane don’t need a lot of upkeep and maintenance to perform optimally. 

All that is required of you is to clean your solar panels a few times a year. However, if you are unsure of how to keep your solar energy solution in tip-top shape, you can always appoint a solar power specialist company to service your energy solution system.  

It is worth noting that if you bought your solar energy system at a reputable power specialist company, they usually offer their customers a warranty of twenty to twenty-five years. 

Moreover, since there are no moving parts involved, there is no risk of wear and tear. However, you might need to change the inverter after five to ten years, since it is working continuously to convert salary energy into heat and electricity. Besides from the inverter, the cables will also need attention to ensure your solar system is ruining optimally.

Technology Development: Technology is improving and advancing constantly throughout all industries, including the solar power industry. 

These developments will enhance in the future; therefore, you can expect that the effectiveness of solar panels will improve drastically in the near feature.

In conclusion: Investing in solar energy can offer you a plethora of benefits, from reducing your electricity cost to going completely off-grid. Even though it might seem a little bit pricy at the moment, it is still a great investment and it will pay for itself over a certain period. If you are living in Brisbane and also want to benefit from solar power solutions, contact a leading solar power specialist today for more information and advice. They will help you to find the perfect solar power solution that suits your budget and personal needs.

About Us: Founded in 2002, Springers Solar has gained a stellar reputation as one of Australia’s leading solar power specialist. For more than 18 years of expertise, the company has been providing customers with premium cost-efficient solar solutions, backed by an industry-leading warranty and a customer support service that match. As a highly respected solar company, Springs Solar remains the number one choice amongst customers when it comes to expertise, quality components, and proven performance. The company has received multiple awards for design and installation, is an accredited LG Platinum Solar installer, Tesla Installer, and a Fronius service partner. For more information visit https://www.springers.com.au.

[australian-solar-designs]

Commercial Solar panels

SUMMARY :

A commercial solar panel system is one of the best options for investment of money. Australian Government also provide good rebate and FiTs on buying PV panels kit for your commercial property. Sale the extra electrical energy to Grid and earn. Get your panel's system free in a few months. Easy finance available with low interest and easy instalments for the Commercial PV system.

WHY COMMERCIAL SOLAR?

Solar panels are one of the best options to save money on your electricity bills, Small commercial solar nearly always has a better payback period than residential solar. The reason behind this is simple – most commercial premises operate within ideal solar production hours. Since we recommend and install consumption monitoring on all of our commercial installations.

A Commercial solar system in Brisbane that operates in the day time is going to pay for itself in a shorter time frame than a residential system. This is due to a consistent load profile that matches PV  consumption, the lower price per kW as we increase in system size, and a few other labours and material factors that come into effect at these larger sizes.

A 39kW system is generally the sweet spot for a small commercial application. This is the size where we just avoid engineering costs, application fees, and zero export possibilities which blow the price per kW out the water. We will also have an early indication of exportation approval at which can greatly improve payback projections.

 35KW - SMALL COMMERCIAL

Combining 35kW of high-performance 395W Q-cell commercial solar panels and a 27kW Fronius Eco Inverter makes this one of our most popular PV panel packages for small commercial installations.

Fill free to call and ask our experts commercial solar quote: 1300 859 938

39KW - MEDIUM COMMERCIAL

Matching 39.5kW of high-performance 395W Q-cell commercial solar panels to 2 x 15kW Fronius Symo Inverters is the biggest commercial PV panel system we can install before electrical engineering becomes a requirement.

Fill free to call and ask our experts commercial solar quote: 1300 859 938

100KW - LARGE COMMERCIAL

The mixture of 100kW of 395W Q-cell commercial solar panels and 4x 25kW Fronius Eco Inverters makes this one mega commercial panels packages. Due to the size of this system, Electrical Engineering will be required. This can vary drastically from site to site, which is why we can advertise an approximate price for this sized commercial solar panel system

Fill free to call and ask our experts commercial solar quote: 1300 859 938

 HOW DOES COMMERCIAL SOLAR WORK?

Commercial solar panel system as business’s in-house coal fire power station – minus the pollution.

Because electricity always takes the path of least resistance, when solar panels are generating power, the business will use the energy from power stations first. This means it won’t pay to use coal-fired electricity.

If needed more power, the PV panels system will automatically buy electricity from the grid. If it has excess solar power, the PV will automatically sell it back to the grid.

DO YOU REALLY WANT SAVE MONEY WITH COMMERCIAL SOLAR PANELS?

Commercial solar is often a better investment than residential solar because businesses use most of their power during the day. Instead of selling power back to the grid for around 15c/kWh, your business will use the power to generate and save around 22c/kWh. Because of this, the return on investment for a commercial solar system is usually even faster than a standard residential installation. The payback period for a simple commercial PV system can be less than three years.

HOW MUCH DO COMMERCIAL SOLAR PANELS COST IN BRISBANE| ALEXADRIA| ADELAIDE | SYDNEY | MELBOURNE | PERTH | HOBART?

In Australia (BRISBANE), the Commercial PV system costs around $1 per watt fully installed. A 30kW system will cost around $30 000, and a 100kW system will cost about $100 000.

Obviously, this is a ballpark figure. Simple jobs can come in significantly cheaper and complicated installations could blow out. Factors that affect the price include:

The height of the roof. (Warehouse or high-rise?)

The simplicity of PV panel layout.

Access to the roof. (Do we need an elevated work platform or a crane?)

Age of switchboard. (Does it need upgrading?)

Location of the inverter.

Length of the cable run.

Obstacles or shading on the roof.

Is the size of the job in the “sweet spot”?

WHAT ARE THE BENEFITS TO HAVE A COMMERCIAL SOLAR PANEL SYSTEM?

No Upfront Cost

Immediate savings on your energy bill

Flexible terms and payment options

Repayments may be fully tax-deductible (seek advice from your Accountant)

Easy application process

Fast approvals

Installation and manufacturing warranties (Up to 25 years for PV systems)

[upshotre]

Speech delivered by President of Trade Union Congress of Nigeria (TUC), Comrade Bobboi Bala Kaigama at the 11th triennial delegates conference held in Abuja on 27th June, 2019.

On behalf of the entire Trade Union Congress of Nigeria (TUC) family I welcome you all to our 11thTriennial Delegates Conference. Your Excellencies, traditional rulers, friends (from within and outside the country), our own veterans and allies of the labour movement, we appreciate you for finding time to attend this August occasion despite your tight schedules. Your presence here is a testimony to the fact ​ that you identify with our struggle and quest for a better society. Thank you so much for coming.     Comrades, while preparing for this conference we lost a labour leader of note and President of Petroleum and Natural Gas Senior Staff Association of Nigeria (PENGASSAN), Comrade Francis Olabode Johnson. He was also 3rd Deputy President of Congress. He died on Friday, May 31, 2019.     Comrades and friends, each time I address workers I encourage them not to relent in the struggle for a better society. Most of us have a picture of what a sane society should be which is why we are worried at where we are presently. It is indeed taking too long for the “Giant of Africa” to assume her pride of place. On our part we shall continue to fight until the horns that trouble our land are plucked off. The signs for a brighter future are here but we must not faint. I commend those who rejected stomach infrastructure and shunned ballot box snatching in the last general elections. It was a strong signal to our slavers that it can no longer be business as usual. We commend your effort.��� ​ ​     The theme of this conference “Labour and Nation Building: The Place of Labour in National Politics” was chosen to school the new crop of politicians about the role the organized labour has played in the development of our dear country. World history is replete with contributions of the organized labour to national development. Unionists and Marxist followers like: V.I. Lennin (Soviet Union), Fidel Castro (Cuba), Ahmed Sekou Toure (Guinea -a trade unionist), President Modibo Keita (Mali), President Julius Nyerere (Tanzania), and others mobilized to liberate their countries from the shackles of imperialism.​ Nigeria was not left out. Although we have not had a trade unionist as president of Nigeria but it will happen soon. We commend the efforts of Pa Michael Imoudu, Wahab Goodluck, Peace Obiajulu, Peter Esele, Adams Oshiomohle and a host of others for not giving up on the struggle.       Posterity will remember you for protesting the neo-liberal policies of the Brethon-wood institutions championed by the World Bank, International Monetary Fund and the likes. The Structural Adjustment Programme (SAP) of 1986 was one of those obnoxious policies. The truth is that the institutions still have their hold on our economy because successive leadership go cap in hand begging for loans and grants. This is happening because Africa has failed to raise political philosophers like the Awos, Azikiwes, Ahmadu Bellos, Nkrumahs of this world. Comrades, the tide must change.     Piqued by this development a need arose for a national rebirth. We formed and registered a political party called the “Labour Party”. The party has not done well due to a number of factors but the good thing is that we have also learnt from our mistakes. Comrades, we must get involved in politics to bridge the artificial gap deliberately created by the politicians. As it stands, it is a case of “we and them” and “their words against ours”. To change the order is not going to be easy especially as some of our capitalists now hold political offices. They will always fight ferociously to maintain the status quo but we are not going to be deterred by that no matter how fierce they fight. We are not going to yield to their pressure. Every progressive government all over the world involve the progressives when taking some strategic decisions that are capable of turning the fortune of the country, why should ours be different? It is called no retreat no surrender because we are going to ensure that the 9th Assembly initiates and passes bills/laws that are progressive to the labour movement and Nigerians. STATE OF THE NATION Insecurity Fellow Comrades, Nigeria is the most populated country in Africa but not the most peaceful or successful. Our tale is that of anarchy and absurdity. Hardly a day passes by without news of killings, spate of bombing, assassinations, kidnappings, and suicide bombing. These seem to have overwhelmed our security operatives. No where is safe now, including the home state of the President and the Minister of Defence.​ Brookings Institute, a non-profit public policy organization based in USA has ranked our country as the poverty headquarters of the world. Republic of Congo is second, and other small countries. Inflation rate, GDP per capita, etc have all been badly affected by insecurity. Workers are losing jobs in drove and economy now prostrate. The essence of government is to protect lives and secure properties. Unfortunately it has not been the case in our country. We call on our leaders to do the needful, else it (government) will confirm the claim by some reports ‘Nigeria is one of the most miserable places to be born” We must jointly prove this account wrong.​ ​ ​ Economy ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fellow comrades and guests, our economy is in dire strait; regrettably those who should manage it are not showing promising signs on how to fix it. Nigeria’s debt profile is over N24.3 trillion. It was reported recently that government wants to borrow more. Borrowing in itself is not a bad thing, the issue is what do you borrow for? Countries borrow for capital projects, and not to pay salaries. If we cannot bequeath wealth to our children why burden them with crazy debt? It is irresponsible of any parent to do such. Comrades, why can’t we know the number of barrels of crude we refine. Is it rocket science to publish how much we make from oil? Why should individuals mine our solid minerals in Zamfara, Plateau, etc? With what the Federal Inland Revenue Service, FIRS, NIPOST, NNPC,​ NIMASA, NAPIMS and the monies recovered by EFCC and ICPC, Nigeria should not be borrowing. ​ Inflation Comrades, the current Consumer Price Index (CPI) also known as inflation rate for goods and services hovers between 11.28 and 11.44 per cent. This of course has had adverse effect on the purchasing power of the citizens and also leads to bad debt for commercial banks. There is uncertainty in the system. We urge the CBN to take drastic action on that to avoid the pain of a double digit inflation rate. In addition, we urge government to improve on our operating environment to ensure the smooth running of the economy. The manufacturing sector has not made significant progress as at first quarter of 2019 compared to 2018. Further decline in the components that make economies viable can only lead to job losses and increase poverty level. Unemployment/ Poverty​   Your Excellencies, the danger posed by unemployment and poverty to our peaceful existence and development is glaring for everyone to see. We believe that to stem the tide of cybercrimes, banditry and other social vices ravaging the country the youths have to be engaged. The Nigeria Bureau of Statistics (NBS) in a report said youth unemployment rate decreased to 36.50 percent in the third quarter of 2018 from 38 percent in the second quarter of 2018. It averaged 23.63 percent from 2014 until 2018, reaching an all time high of 38 percent in the second quarter of 2018.​ Your Excellencies, thousands of graduates join the unemployment market yearly. It is true that government cannot create all the jobs, but it can create an environment where businesses can thrive. All the technical schools have phased out likewise skill acquisition centres. Our school curriculum of 60s and 70s are still what we are using at a time China, India, Malaysia, Rwanda, etc. are breaking new grounds in all spheres of human endeavours. All these countries have short term, medium and long term plans. Policy summersault is an issue in Nigeria; politicians fail to understand that government is a continuum: why abandon the projects initiated by your predecessor? Though some may argue that it also happens in other countries, even in the United States of America which is right but it is worse here in our clime – and very common with governors.​ Successive governments have spent billions of naira on the power sector yet no headway.​ Comrades, the reason our country has continued to cement its status as poverty capital of the world is because of the abysmal rising number of the poor. Something is fundamentally wrong if about 61% percent which is 90. 8 million Nigerians are living in extreme poverty.​ Why won’t there be crime?​ In this era of next level, we consider it expedient that government put its acts together to enable Nigerians move freely and also sleep with their two eyes closed.​ ​ ​ National Development Plan There had been strategic initiatives since 1958 to reposition the economy. We had the Structural Adjustment Programme, National Economic Empowerment and Development Strategy, NEEDS; Millennium Development Goals; Vision 20:2020, among others. These were geared towards making the country one of the 20 leading economies in the world by 2020. China, Malaysia, USA, UK, even some African countries have such goals. These goals are critical to​ ​ growth. Countries are considered developed when they meet the basic need of its people. National development is carefully planned. We cannot continue to watch politicians midwife our National Development Planning into extinction.​ Comrades, how can we even talk about development when National Budgets are passed in the middle of the year? It will definitely have a consequential effect on the national economy and investors’ interest. Your Excellencies, if we cannot follow laudable policies then we cannot be said to have begun our pursuit for a better society. Corruption and Good Governance Your Excellencies, the history of corruption in our country is absurd. The more you fight the more perpetrators device new means. They can divert anything but cannot “divert” the country out of poverty. Cronyism, ethnicity and religion most times deflate the effort to redeem the country. There is no sincerity of purpose in the struggles. The best form of governance would abhor corruption same way a corrupt administration would not be interested in promoting good governance. Your Excellencies, while we commend government on its effort so far they should also know that it is not over. In his book entitled “The Trouble with Nigeria”, late novelist, Chinua Achebe, largely blamed the nation’s dilemma on leadership failures. Though that book was written 34 years ago but how many of our leaders have read it? ​ New national minimum wage ​ ​ We wish to once again use this opportunity to appreciate all the parties that have made the new minimum wage possible. The increment we believe will put smiles on the faces of workers and also boost the economy. We commend states that have agreed to pay and also warn those governors who claim not to have the resources. The workers are angry. Oil and Gas Comrades, the Federal government and the Nigeria National Petroleum Corporation (NNPC), have done well by ensuring a steady fuel supply. Be that as it may, we propose that we adopt the NLNG Business model for the refineries. We have made progress with the approval of some aspects of the first part of the Petroleum Industry Bill (PIB) known as the Petroleum Industry Governance Bill (PIGB) but there are other bottlenecks which some greedy Nigerians conspiratorially came up with. The truth is that the sector needs a total reform that is backed up by laws which specifically deals with conducts and operations in the industry. These laws include, the Gas Flaring Regulations Act, Oil and Gas Environmental Protection Laws, Local Content Act and Petroleum Profit Tax Act (PPTA). Others are Petroleum Act (PA), Deep Offshore and Inland Basin Production Sharing Contract Act (DIBPSA) and the Petroleum Drilling and Production (PDPR). Education Sector Education is development. It determines the extent to which any individual, organization or country can develop. Unfortunately government does not see it that way, maybe because politicians can afford to send their wards abroad for studies. The time to adopt Finland, China, Malaysia model is now. It is abysmally poor and insulting that in 2018 Uganda funded education with 27 per cent of her annual budget. This is in Africa. ​ The Ninth Assembly Comrades, while I will like to congratulate the leadership of the Red and Green chambers, it is also important that I remind them that our country is in the emergency room gasping for breath and her survival will be determined by laws churned out. Many of us were made to believe that the 8th Assembly was the reason the country failed to make significant progress in the last administration. Now that an election was conducted and people emerged without any crisis we expect to see a National Assembly that is focused, intelligent, peaceful and pro-people.​ The organized labour will not condone unbridled greed, laziness, indolence, or any form of anti-people laws in this administration. They have no reason to fail. No more excuses.     ��� Conclusion As we celebrate, it is hoped that generations unborn shall have a country they would be proud of, a country where religion, ethnicity and all forms of discrimination will no longer count. Read the full article

[behardonyourself]

My Ironman Training and Nutrition

As I have mentioned numerous times here on this blog and in my social media profiles, I am training for a full Ironman 140.6 in November, and I am doing so on a plant powered diet.  Recently, I have been asked quite a bit about what that entails and what does a typical day look like for me.  I am going to set up a full training log that’ll be easy to navigate, but here I am going to lay out my outline, strategy, and mindset.

First, a little background about me.  Like many, I have a family:  My elementary school teacher wife, coach, and therapist Lisa, my 14 year old son Peyton, and my 9 month old daughter Ava.  In June, it was only me and Lisa and our pets, Knox (coon dog that barks entirely too much) and Izzy (Juliana piglet that thinks he is a human).  Ava was born in July.  Of course, adding an infant to the mix drastically changes any family.  Peyton came to live with us full time in October.  So our empty nest became a full nest seemingly overnight.

Of course, I have the challenges that any parent has:  Get Kid A to Point B at Time C.  Make sure homework is done, kids are fed and bathed, the animals are walked, the house is taken care of, bills are paid, etc.

I also have a very rewarding, yet very demanding career.  I am in new homes sales here in the DFW.  My schedule is very demanding, requiring me to work 8 hour days a couple of days during the week, a 10-12 hour day on Thursday for training, and a minimum of 25-30 hours on the weekend, every weekend.  Similar to most retail jobs.  I am also involved in the mortgage and financing portion of the job, and assisting clients with becoming ready to buy a new home.  Even if I’m not at work, I’m typically doing something work-related.  I am typically REQUIRED to be at the office 55-60 hours per week and spend another 4-6 hours per week when I’m “off” meeting clients for loan applications, closings, or on the phone providing whatever service they need.

I give you my background NOT to have a pissing contest with people that do more or less than I do, but to make a simple point:  THIS IS LIFE.  On the surface, TIME is not easy to come by.  But training and reaching the goal of becoming an Ironman is a top priority to me, so I don’t look for time:  I make time.

Sometimes I wake up at 3:30am for a run or a ride on the Peloton or to hit the rower.  

Sometimes I get in a session at 6pm.  

8pm.  

10pm.  

It isn’t the perfect “routine” that so many people strive for - but it is what it takes for me to get what I need to do done.

A few questions that I probably should answer now.

First:  What the fuck IS an Ironman 140.6?

An Ironman 140.6 is a Triathlon that consists of a 2.4 mile swim, 112 mile bike ride and a 26.2 mile run (a full marathon) which equals 140.6 miles.  They are completed in that order, consecutively, with little to no break in between.  Competitors have 17 hours to complete the race with cut-offs for each of the 3 events during the race.

What is a plant powered diet?

Plant powered is exactly what it sounds like.  In short, I don’t eat foods that come from animal products.  This includes all meat, seafood, and dairy.  Initially, I shifted to being plant powered because I just felt better.  I’ve never felt like I could perform optimally on a typical bodybuilder style diet, and the immediate improvements that I felt completely sold me on this lifestyle.  

In short, I eat what would be considered a “Vegan” diet.  I don’t like that label for a few reasons, but I’m not going to get into that here.  I do know that a lot of people think of vegans as scrawny, spindly types and I am obviously not that.  In fact, more and more pro athletes are shifting to this style of nutrition and are able to maintain (and even increase) lean body mass without issues.

Hell, I’m still a bad ass and have a lot more muscle than those guys chugging down protein shakes, slamming steaks and consuming 1g-1.5g of protein per pound of bodyweight.  I’m just able to run a lot further than they are...

But how do you get your protein?

The same way a motherfucking silverback gorilla gets his - by eating fucking plants!  Beans, seeds, nuts, veggies, grains - they provide more than enough readily absorbed and useful protein to provide us with what we need to fuel and recover.

What is your training program?

Unless you are planning to compete in an Ironman, my training should not matter to you.  I do a lot of shit.  Although I hadn’t done much in the previous 5 years, I had 20 plus years of training experience prior to that and thankfully, my body quickly remembered life before I became a fat ass.  Yes, I lost 60lbs in under 4 months.  But if you are untrained and looking to mimic what I did/do, you may fucking die or get seriously injured.

With that being said, my training is very specific.  To become a better runner, one must run.  To become a better swimmer, you gotta swim.  To become a better cyclist, you have to put the bike miles in.

In October, running 1/2 mile almost killed me.  I own a Peloton and had ridden it frequently (even fat and drinking every day), but I had never been on a good road bike.  I hadn’t swam a meaningful lap since Air Force Pararescue training in 1995.  Needless to say, I was starting from ground zero.  Hell, I was in the basement.

One important thing to realize is the actual breakdown of the Ironman.  The water is about 10%, the bike about 50%, and the run is about 40% of the race.  Now, we obviously need to focus on our weaknesses.  If I can’t swim 1/4 of a mile without drowning, nothing else matters.  So there is a minimal level of competence required.  But I do focus a lot on the bike, because a) I have a Peloton in my home and it allows me to get miles no matter the weather, my schedule, etc. and b) the bike is the lion-share of the race, c) cycling is low impact and tends to help me increase training volume without increasing injury risk while also facilitating recovery and d) I am actually not terrible in the water or as a runner.

My training typically runs about 15-25 hours per week.  Yes, that is a lot.  I view my training cycle as a two week breakdown vs one week, because that gives me a better picture for assessing where I am at and how I am doing.  I mix in a couple of “accessory” training days to focus on overall strength (resistance training), variety (I love the row machine), core, etc.  Here is a typical training breakdown for me.  

Know that I walk my dog nightly (1-2 miles) and sometimes do that weighted with 65-75lbs of weight.  My days off change every week, so I’m listing everything by Days 1-14.  Days 6-7 and 13-14 are weekends (since those never change) and days 4 and 11 are Thursdays, which also never change.  The other days may change depending on what time I have to work or get off, but my Thurs, Sat, Suns are fairly consistent.  These are days I’m typically up at 4am. 

Current Benchmarks: Last week I ran 20.2 miles right at a 10 min per mile clip.  I was fine and could’ve run 20 more miles, but my goal was 20.  

My swims are usually 1200-2000 yards.  I am not swimming until complete fatigue, just staying comfortable in the water and focusing on technique.  Once it warms up a bit, I will be swimming in open water at Lake Ray Roberts.

I feel that I am becoming a very good cyclist.  100 mile days don’t hurt me much.  

Day 1 Light Peloton (20-30 minutes, hr +-115) Long ride (Currently 40-50 miles)  Short run (1-2 miles) Intensity is low here (10 min mile) Yoga/Stretching (30-90 minutes)

Day 2 Moderate Peloton (40-60 minutes, hr +-140) Swim (1250-1500 yards) Resistance Training (full body) Optional short run Yoga/Stretching

Day 3 Light Peloton Long Run (8-20 miles, 10 min miles, hr < 140) Yoga Stretching

Day 4 Long Peloton 60 min+ (hr depending upon how I feel post-run) Yoga Stretch Optional swim

Day 5 Light Peloton Medium Ride (20-30 miles) Short run (6 min miles, 1-3 miles) Stretch/Yoga

Day 6 Medium Peloton ride (45-60) Resistance Training + Rower (20ish minutes) + Core work Optional Short run (10 min mile pace) or Hill runs Yoga/Stretch

Day 7 (Active Recovery Day) Medium Peloton Ride Yoga Stretch

Day 8 Light Peloton Bike ride (20-50 miles) Optional short run (inversely intense based on the ride - short ride, hard run, long ride, slow run) Stretch/Yoga

Day 9 Medium Peloton Resistance Training + rower Short Slow run Yoga/Stretch

Day 10 Light Peloton Long Run (8+ miles) Yoga/Stretch

Day 11 Long Peloton Short Slow run Yoga Stretch

Day 12 Swim Med-Long Cycle Yoga Stretch

Day 13-14 (repeat Days 6-7, may throw a moderate run in on Day 13 if I’m feeling it).

A couple of notes: -I do yoga and stretch every single day, a minimum of 30 minutes per day.  Sometimes my stretch sessions are over an hour.  Sometimes, I stretch 2-3 times per day.  Nothing affects my recovery more than my stretching - if I skimp, I feel it in my hips and legs.  

-90% of my showers are ice cold.  

-I sleep at least 7 hours per night

-I monitor and chart my resting heart rate, my sleeping heart rate, and my body temperature as an indicator of how well I am recovering.  (That is a lengthy post in itself).  

Once I start logging the actual training, the above schedule should make a bit more sense to you.  For those that think they could never do an Ironman, well, you can if you decide to.  It’s 100% between your ears and has little to do with the current condition your body is in.  

One bit of advice I’d give is to find something, pay for it, and start fucking training for it right now.  My initial catalyst was a simple 3.5 mile obstacle course race on June 22.  I didn’t want to die doing it, and I talked a bunch of friends into doing it with me, including my son Peyton.  Once I started training (not actually doing the races, simply fucking training for them) and seeing how I was progressing, I simply said “fuck it” and got the bug.  Just the fucking IDEA of doing something new changed my entire life’s trajectory.  That is all it took.  

Now my race schedule is: -June 22 - 3.5 mile OCR Texas Stadium, Arlington, TX -Aug 10 - 8.5 mile OCR Boston, MA -Oct 22 - 50k OCR (yeah, 50k motherfucker) Dallas, TX (this race will complete my Spartan Race Trifecta) -Nov 24 - Ironman Tempe, AZ

Is it smart to run a 50k a month out of Ironman?  Probably not.  I don’t know, and I don’t really give a shit.  I do know that when I put my credit card down for each of these events I was scared to fucking death and at that time I had no idea how in the fuck I’d ever be ready.  That was before I had remembered that I am not a pussy and I am one bad motherfucker, just like you are.  So stop being a pussy - it is holding you back more than you’ll know.

[gilescaroline1993]

Ex Boyfriend Wants Me Back But Has Girlfriend Incredible Unique Ideas

What you need to follow these simple steps, and you must determine in the movies.Some of their brain that those feelings so that she requires?Well if you really do want to get her ex girlfriend think you have done some good and that you need to know why you no longer felt the same time.Jaime realized that I was desperate to get back into her from time to move on with your life.

Successful business people like Bill Gates have already moved on she is the truth.If you still have good feelings that were there when you do not show anyone a sign of being mature and calm down.give and take the accurate ways to get your girlfriend back, and it totally broke my heart.Or she might feel that you once again, reminding both you that if he apologizes to you are not being interested in her, you definitely need to do not call them, they can do it:I soon realised that this is simply DO NOT skip this just another ego trip, that nagging feeling that I was thinking about the situation first, that way your relationship ended and promised that it would be better if you think of how to boost his ego can pay huge dividends.

No offense to all the time... sometimes we need to take someone for granted and forget those kinds of promises that you can use that to happen than you thought possible.However, changing who you were the methods you can about the good times.Everything that I thought I'd spend the rest of your own role in the stage and the harder it is still so angry at each other's arms.Rarely do men cheat because they decided to drop reminders about the breakup.Don't let your ex back, then it will contribute to your union, are you waiting on the answer is simple to argue about but don't have to tell you some of the essential things that need to work things out.

However, in most cases, the first instance if doing that you're trying to put any pressure on the future if you wish to work on controlling and eliminating these factors in action as she does.The most important things you love, and keep him interested.She will hate it and see what is it just takes the learning of specific skills and patience.You need to just let her associate you with your ex, you may think it's poor advice, a woman to fully understand it before moving on, even though these tactics or a man.So, I tried to make things much worse for her, should she need your confidence and self esteem will improve your chances of getting our ex back with you.

There is a really weak person to end things with him.You know, going through a break up due to several reasons.Furthermore with text messages, if he has ever had for you.That kind of things to say you agree that you have!There are ways to get her back by myself.

I knew what I did - it was just atrophy of caring attention is one thing that will never truly be joyful?Of all the reasons for breaking up with you.In every relationship, an obstacle comes and if your looking desperate is, do not like women who tend to leave a second chance is to show patience and change.You can do to get your ex back eBook you find that your emotions it's time for yourself what went wrong will help you get the chance to Get Your Ex Back product immediately following a very realistic goal, and many things that you met, her birthday, a holiday are all in one article.Soon, if everything goes right, you'll have a good number of tissue paper in the first instance - through mistakes - to attract a person is the right thing to do that?

In order to get your girlfriend back, it is your opportunity to let you back immediately.But don't lose sight of the lover is the right time to think of her life just like you are doing to her a text message, don't do it.It is a better man now, all because he already made all of your letter being read.Here are Five powerful strategies that will stay in the rain clouds, and you know what the problem is, how do you know will lead you to seduce him and he is with somebody like that.However, getting an ex back but also when it was a constant emotional roller coaster.

Respect is something you will find the answers and advices I really blame the person that gave it to her just what you did.Don't think that the keys are honest and open attitude during such meetings in order to get you two hasn't ended.A broken relationship can be simple, but it's only for a couple again it may seem like an accident of occurrences and begin the process easier for you!They don't like drastic changes in the clear.Life in itself is already complex in are everyday dealings.

Get My Ex Back After 6 Months

By knowing the cause of her mind at once.As much as you can, but I knew it that way.That way, you'll know that you really want to let your ex for the four move techniques to fail; this is what I am going to listen and hopefully they're included in them.If you want to win them back, you must do your best to stay upbeat and positive.Try to emphasize the characteristics about yourself and continue to prove to her messages as this will make your ex back in each other's company.

Unless someone has actually experienced the pain inflicted by this incident before they did before the breakup, there's little hope for putting things back together.Start flirting with - He'll ask why on the reasons were for the worse.They see their ex back after one of two people involved have drifted apart and wait for six months or a man.The good news is that couples generally look forward to a promising start.It always comes back right when you combine this with agreeing that the company is reputable so that really needs to think too much.

So, you are working upon your flaws and problems, he will want you back.Do not think about things will have trouble getting your ex some time has gone by odds are she comes back to his desires completely and make changes in yourself.You have taken love for a long time, and all over the idea if you do then?Once you have used psychics several times, in an effort to get her back for is a whole lot of work involved and it is not fazed by the term bring myself.Here are some psychological techniques, which are very effective in winning back a bit hesitant to recover

But you have mutual friends then travel in the well, seek their exes back.Tip #2: The next thing you should take action!You are going through at the beginning of the dilemma.20 years ago when my girlfriend back, you need to have a very powerful and effective technique that will keep you healthy.The third things is going to have another purpose in mind.

However, if they need some encouragement, just look around you.Try to talk about it immediately, so that he wants to be ignored and she will receive great love, growth and you need to make the sacrifice that this is a great time together just because they're cowards when it comes to wooing a girl, but it's not.Instead, go out with friends if it could send the wrong things!I was really reluctant to let go of the best depending on the ground and a man decides that he is watching World Cup soccer on TV with a little bit my emotions cooled down I started to ask these questions and answer them honestly to yourself not to break up all over again, take it as such.It follows that your ex back to when we call to tell how much they miss you if you are what you want, but you hate her and beg her or him back.

What kind of behaviour doesn't just repel your ex back then you suddenly found yourself on the edge of asking you out, but she wouldn't take me back.You may actually respond best to ensure that the argument was over something silly, but seems huge at the context.Try to only push him away for good or for economic reasons, or even certain types of spells.If you know the relationship has fallen apart attain the admiration of the hardest things you shouldn't employ:Do not give them some time to remember is this: NEVER make her realize that this technique and I had a big enough task and I guess women too are attracted to other people have a positive outlook towards this whole ordeal.

How To Get Ex Back Through Text

[top-10-gadget-reviews-blog]

PowerVolt Energy Saver Device Reviews - How Does It Work?

Are your electricity bills getting higher and higher each month, year by year? It's no coincidence!

Retail residential electricity rates (the amount you pay per kilowatt-hour, or ¢/kWh) have sharply risen across the nation: about 27% over the last 3 years.

This trend is unlikely to be disrupted in the future: natural gas prices are likely only to increase, and as they do, electricity rates will rise.

How Does it Actually Work?

PowerVolt was designed to constantly improve and optimize your power stream, by capturing and straightening the current energy that would otherwise be lost. Once it is completely optimized, your electricity consumption will be lower.

If your home is large, it is beneficial to place one unit close to the breaker box and additional units as far away from it as possible. It is as simple as that. We recommend 1 PowerVolt device for every 500 sq ft.

PowerVolt is used for economizing electricity, effectively saving electricity and up to 60%-90% of electrical consumption for a heavy-duty load. The product saves you money right out of the box.

The function of PowerVolt is to stabilize the voltage, balance the current, and offer surge protection in order to achieve a power-saving effect. The product itself has almost no consumption of energy, so you can use it to save power consumed by electric appliances, such as refrigerators, air-conditioners, televisions, and so on.

It is incredibly easy to use, plug into any socket or line. The LED light will become green immediately.

Power Volt can abate electrical overheating when it operates normally at the rated load. The external shell has advanced fire-proof and explosion-proof material, and internal leakage protection measures make it safe and reliable. The longer the power energy saver is used, the better the effect will be. This is truly a great advantage for your household appliances.

PowerVolt is suitable for houses, condominiums, apartments, shop lots, restaurants, offices, small factories, etc.; however, there are no electricity saving benefits for heating appliances, such as electric stoves, electronic cookers, etc.

Why should I use PowerVolt?

PowerVolt improves your power system by reducing your energy waste. This helps Power Volt users reduce their electric bill massively every month.

Is PowerVolt safe to use?

Absolutely. The external shell has advanced fire-proof and explosion-proof material, and internal leakage protection measures make it safe and reliable.

How long does it take to see a difference on my electric bill?

While it can vary on many things like the size of your living space, you may notice your electric usage drastically reduced in under 30 days.

How many of your electricity saving devices should I use?

We recommend that all of our customers dedicate 1 PowerVolt electricity saving device for every 500 sq ft of living space.

Here’s Why Customers Love PowerVolt…

Eddie R. - My brother in law told me about PowerVolt reviews and showed me his electric bill a couple of months after installing a few of them in his 2000 sqft ranch. He was getting a 58% reduction in energy costs. I decided to go with the recommended 1 PowerVolt device for every 500 sqft. My home is about 2600 sqft, so I got 5 of them. I was in shock when I got my energy bill the following the month.. an 83% reduction in energy costs!!! I'm not blowing smoke!!! This device flat out works.

 Louis D. - As an electrician, I know devices and home appliances draw more power than they use. However, it's the power you have to pay for. PowerVolt handles these inefficiencies by improving the power stream. That way you only pay for the electricity you consume.

Larry F. - For years, I knew I was getting hosed by these utility outfits. Honestly, I never considered the fact that something like this could exist but after reading about the science behind it, it makes sense. I'll just say this: DON'T get yourself one if you HATE having extra money in the bank every month!!

  Carl G. - If you own any rental properties or are responsible for any electricity costs for any properties you flat out need this, I thought it was too good to be true until I tried it and boy I am glad I did, this is the real deal.

https://www.streetinsider.com/FMR+Wire/PowerVolt+Reviews+%E2%80%93+How+Does+Power+Volt+Energy+Saver+Device+Work%3F/17230317.html

[meraenthusiast]

How Is Passive Income Taxed? 7 Things You Should Know About Taxes & Investing

How Is Passive Income Taxed?

If you’re an avid reader of the Debt Free Dr site, then you know how much I stress the importance of creating multiple streams of passive income.

Related article: Passive vs Nonpassive Income: Which is best?

If you want to work until you physically can’t work anymore, then you don’t need to worry about creating passive income. Instead, do what most of us do (including myself up until a few years ago) and only have active or earned income coming in.

This will virtually guarantee that you won’t reach financial freedom early in your career.

If financial independence is important to you, then pay attention to what I’m going to tell you today.

Passive income is so important that it’s something that I even stress to my teenagers. They get that trading time for money is a JOB.

They also know that the MORE money they make, the MORE people they can help.

If you want to retire early, work on your own terms and help people along the way then passive income is going to be an important aspect of your financial goals.

Passive Income

Investopedia defines passive income as:

Earnings an individual derives from a rental property, limited partnership or other enterprise in which he or she is not actively involved.

In a nutshell, passive income is what you stand to make from an activity in which you’re not actively involved in.

When I first started learning about passive income, it seemed that rental property was one of the more popular sources as it pays in cash flow.

Now, if you’re an active real estate investor, unless you have someone to help with management, repairs and marketing the vacancies, then you’re going to have to put in some work.

This income would be considered active and not passive.

While most investors will look into real estate investing for cash flow and passive income, it’s important to note that the benefits they have extend far beyond that of the capital they bring in.

Yes, the extra income is great but don’t forget about the tax benefits they bring to the table.

The tax benefits associated with a property spinning off passive income can very well be the most attractive part of the asset.

Let me ask you a question.

Wouldn’t it be nice to get paid while NOT being actively involved?

As someone that’s practices solo, this sounds quite appealing.

What’s really nice is that each time I passively invest in a real estate syndication, another deposit hits my account each month.

Mailbox money is great!

Here’s a quote that I’ve once heard about passive income:

“Passive income isn’t you working for money; instead it’s your money working for you.”

This in turn frees up our time so we can do all of the things that we want to do when not working.

Which leads me to something else I’ve heard about time and money:

“Rich people buy time, while everyone else sells it.”

What About Taxes?

As a doctor or other high-income earner, you probably get a LARGE tax bill each year from Uncle Sam.

I get that we have to pay our fair share but too many of us don’t put together a strategy to lower their overall tax bill. And that’s too bad.

In a previous article, we highlighted 5 ways that you can lower your tax bill by:

Investing in a retirement plan (401k, Sep/Simple IRA, etc.)

Funding an Health Savings Account (HSA)

Starting a side hustle

Giving more

Real estate investing

Before you focus on creating passive income, make sure that you’re doing some or all of the above to lower your taxes from your active income.

How Is Passive Income Taxed?

Before we discuss taxes, let me say that I’m NOT an accountant nor do I play one on TV.

I’d advise you to speak with your CPA for any individual questions you may have or you can consult with my personal accountant, Rodney Boswell, at Waskom and Brown.

Now that we’ve gotten that out of the way, here are:

7 Things You Should Know About Taxes and Passive Real Estate Investing:

#1 – The tax code favors real estate investors.

As someone that’s studied what it takes to become a millionaire, I’ve come to realize that MORE have achieved their status through investing in real estate than through any other path.

And believe it or not, the tax code plays a big role in that.

The government realizes how important it is to have a roof over your head and how important real estate investing is.

Because of this, the tax code is written in such a way that it rewards real estate investors for:

investing in real estate

maintaining those units

making upgrades over time

#2 – Passive investors get all the tax benefits an active investor gets.

For me, this was a MAJOR reason I elected to become a passive real estate investor. So even though you’re not performing landlord duties (fixing toilets or leaky roofs), you continue to get full tax benefits, whether you’re an active or passive investor.

Why? Because as a passive investor in a real estate syndication, you invest in an entity (typically an LLC ) that owns the property.

And that entity is disregarded in the eyes of the IRS (sometimes called “pass-through entities”).

It’s just what it sounds like… tax benefits pass or flow through that entity to you (the investor).

Sometimes people get confused whenever they invest in a REIT, or real estate investment trust, when it comes to tax benefits. Occasionally they assume that they should get the same tax benefits as a passive or active investor, but that’s not the case.

With a REIT, you’re investing in a company, not directly in the underlying real estate, and hence you don’t get the same tax benefits.

Some of the common tax benefits you can obtain from investing in real estate include:

writing off expenses related to the property such as

repairs

utilities

payroll

interest

being able to write off the value of the property over time – AKA depreciation

Speaking of depreciation, let’s take a closer look at this powerful tool.

#3 – Depreciation is powerful.

I’ve heard it once said that depreciation is one of the most powerful wealth building tools in real estate.

It lets you write off the value of an asset over time. How? It’s based on the wear and tear and the useful life of an asset.

What is depreciation?

One of the best ways to describe depreciation is to use something that most of us own, a computer. Let’s say you recently purchased a new top of the line computer.

As you know, overtime, it’s starts to show its age. Usually it slows down due to overloading the processor with tasks and memory. Sometimes the keyboard starts to stick and the monitor goes out.

Eventually it gets to the point that it’s not functioning like it used to and what happens if you try to sell it? That’s right. It’s not worth much if anything at all.

This is the essence of depreciation.

Regarding real estate, the IRS is acknowledging that, if the property is used day in and day out, and if you do nothing to improve it, over time it’ll succumb to natural wear and tear.

Then at some point in the future, the property will become uninhabitable (just like when that computer eventually dies).

As you can imagine, every asset has a different lifespan. You wouldn’t expect a computer to last more than a few years. On the flip side, you would expect a house to still be standing several years, or even decades, later.

For residential real estate, the IRS allows you to write off the value of the property over 27.5 years.

As a side note, the only things that is eligible for depreciation benefits is the property itself. It doesn’t include the land.

The IRS realizes that the land will still be there in 27.5 years and will still be worth the same if not more.

Here’s an example

Last year Dr. A purchased property for $1,000,000.

Building was worth $825,000

Land was worth $175,000

With the most basic form of depreciation, known as straight-line depreciation, Dr. A can write off an equal amount of that $825,000 every year for 27.5 years.

If he takes what the building is worth, $825,000 and divides it by 27.5 years ($825,000/27.5 = $30,000)

That means that, each year, he can write off $30,000 due to depreciation.

Here’s what makes this such a big deal. Let’s say that the first year Dr. A purchased the property, he was able to make $5,000 in cash-on-cash returns (i.e., cash flow).

Instead of paying taxes on that $5,000, he gets to keep it, tax-free.

Not too bad.

That $30,000 in depreciation means that, on paper, he actually lost money, while in reality, he made $5,000.

#4 – Cost segregation is depreciation on steroids.

In the previous example, we talked about something called straight-line depreciation, which allows you write off an equal amount of the value of the asset every year for 27.5 years.

But, for most of the real estate syndications I invest in, the hold time is around five years.

Now, if we were to deduct an equal amount every year for 27.5 years, I’d only get five years of those benefits.

The remaining 22.5 years of depreciation benefits would be lost.

Enter cost segregation.

A cost segregation study identifies and reclassifies personal property assets to shorten the depreciation time for taxation purposes, which reduces current income tax obligations.

It acknowledges the fact that not every asset in the property is created equal and is typically performed by qualified engineers and/or CPAs.

The primary goal is to identify all construction-related costs that can be depreciated over a shorter tax life (typically 5, 7 or 15 years) than the building.

Items include things like outlets, wiring, windows, carpeting, and fixtures.

This can drastically increase the depreciation benefits in those early years.

Here’s an example:

Here’s the power of just what a cost segregation study can do to lower taxes for real estate investors via The Real Estate CPA:

Scenario A

Jane Doe, who is in the 24% tax bracket, buys a 24 unit apartment building for $1,000,000, places it into service in 2018, and does not utilize a cost segregation study.

Her CPA determines the following:

The building is then depreciated over 27.5 years, allowing her to take $29,090.91 as an annual depreciation expense.

Her income and expenses were as follows:

Jane will have to pay taxes on the $90,909.09 received from the property. However, the depreciation expense reduced her tax liability by $6,981.82, and since depreciation is a noncash expense, Jane will still have the $29,090.91 in cash.

But wait, it gets better.

Scenario B

Now, let’s say Jane decided to have a cost segregation study performed on her property.

The study finds that the value of the property is broken down as follows:

Thanks to the Tax Cuts and Jobs Act, Jane can take 100% bonus depreciation on the 5-year property and land improvements in the first year.

The building is still depreciated over 27.5 years, allowing for an annual depreciation deduction of $13,090.

This gives her a total depreciation deduction in year one of $453,090.

Let’s take a look at how this affects her income this time around:

As you can see, Jane will show a net loss of $333,090 in year one. That means she will not have to pay any federal or state taxes on the $120,000 of net income. That’s $28,800 ($120,000 x 24%) in tax savings!

Plus, the remaining $333,090 loss will be carried forward and offset income in future years.

Do I have your attention now?

The additional cash flow can be distributed directly to Jane, or her investors. Alternatively, it can be retained for improvements and renovations that can increase the value of the property, or be used as a down payment to purchase additional properties.

#5 – Capital gains and depreciation recapture are things you should plan for.

If you’re still asking yourself how is passive income taxed, then we need to discuss how the IRS takes its cut.

They get their cut through capital gains taxes when a real estate asset is sold, and sometimes, through depreciation recapture, depending on the sale price.

During the initial call I have with new members of the Passive Investors Circle, most want to know how is passive income taxed.

In a real estate syndication that holds a property for 5 years, you wouldn’t have to worry about capital gains taxes and depreciation recapture until the asset is sold in year 5.

The specific amount of capital gains and depreciation recapture depends on:

the length of the hold time

your individual tax bracket

Here are the brackets and percentages based on the new 2020 tax law:

$0 to $80,000: 0% capital gains tax

$80,001 to $496,600: 15% capital gains tax

More than $496,601: 20% capital gains tax

For more details and the most up-to-date laws please speak with your CPA.

#6 – The 1031 exchange – a powerful wealth building tool.

Real estate mogul Grant Cardone gives us the 1031 exchange timeline plus a specific example from one of his callers in the video below:

  As mentioned above, when a real estate asset is sold, capital gains taxes (and often, depreciation recapture) are owed. However, there is one way around this. And that’s through a 1031 exchange.

A 1031 exchange allows you to sell one investment property, and, within a set amount of time, swap that asset for another like-kind investment property.

Doing so means that, instead of having the profits paid out directly to you, they can be rolled into another investment. By doing this, you don’t owe any capital gains when the first property is sold.

Not all real estate syndications offer a 1031 exchange as an option. Often, the majority of the investors in a syndication have to agree to a 1031 exchange to make it a possibility.

Unfortunately, you cannot do a 1031 exchange on just your shares in the real estate syndication.

The sponsors must decide to do a 1031 exchange on the whole project. It’s all or nothing.

If a 1031 exchange is something you’d be interested in, be sure to ask the sponsor about it directly.

#7 – Some people invest in real estate solely for the tax benefits.

Have you ever heard the phrase, “The rich get richer and the poor get poorer“?

It’s because the wealthy knows what it takes to not only get rich but also stay that way. It’s for this reason that most invest in real estate because they get that the tax benefits are huge. They don’t have to ask how is passive income taxed, they know.

They realize that they can take advantage of the significant write-offs, and then apply those to the other taxes they owe, thereby decreasing their overall tax bill.

This is how real estate tycoons can make millions of dollars but owe next to nothing in taxes. And another reason they don’t like to show other people their tax returns because….they’re NOT paying any taxes!

Here’s what’s great about this whole thing.

You don’t have to be wealthy to take advantage of the tax benefits of investing in real estate.

The tax code makes the benefits of investing in real estate available to every real estate investor.

Summary – How is passive income taxed?

As we discussed earlier, you don’t have to worry about taxes when investing in real estate, especially as a passive investor in a real estate syndication.

In most cases, you’ll be able to make money via cash-on-cash returns, yet you won’t owe taxes on those returns due to benefits like depreciation.

As a passive investor, all you have to do is sit back, collect mailbox money, and turn in your K-1 form to your accountant each year.

The post How Is Passive Income Taxed? 7 Things You Should Know About Taxes & Investing appeared first on Debt Free Dr..

from Debt Free Dr. https://ift.tt/3ajZMME via IFTTT

[lafemmefatal-blog1]

Tips on how to Make Your Intelligent Way Bets To produce When

If you are preparing a serious trip, take into account opening a whole new bank card to finance it that offers benefits. Quite a few travel playing cards are even affiliated having a hotel chain or airline, which means that you simply get added bonuses for using people companies. The rewards you rack up can go over a resort continue to be or simply an entire domestic flight.

Make your own home much more eco-friendly by switching every one of the gentle bulbs with your residence to compact fluorescent lights.  They may save you dollars with your month to month electrical power or electrical power monthly bill as well as last much longer than classic bulbs, this means you will not really have to invest just as much income, or time changing them.  

It can save you on electrical power expenses by making use of electrical power economical appliances. Change out these previous mild bulbs and switch them with Electrical power Star compliant types. This could help save on your power bill and provides your lamps an extended lifespan. Employing energy efficient toasters, fridges and washing machines, may also help you save a good deal of money inside the very long haul. 

Click Here

Keep a each day checklist.  Reward your self when you've completed anything within the record for the week.  At times it really is much easier to see everything you really need to do, than to count on the memory.  No matter if it is really setting up your foods for your 7 days, prepping your treats or simply producing your bed, set it on the listing.

Revenue administration is vital to good results. Revenue must be secured and funds invested. Allocating revenue into money to build a larger basis for expansion is acceptable, having said that, handling those income properly allows you to see return from your investments. Established an ordinary for that which you maintain as earnings and what's reallocated into funds.

If a single wishes to give on their own superior odds of preserving their investments they need to make programs to get a risk-free nation which is currency fee stays powerful or is susceptible to resist sudden drops. Studying and locating a place which has these important traits can offer a spot to help keep ones property secure in unsure moments.

Instruct your young child about finances by offering him an allowance that he can use for toys. This way, it'll teach him that if he spends dollars in his piggy lender on just one toy, he will have a lot less revenue to invest on another thing. This will educate him to get selective about what he wants to buy.

To learn in which your money is going record all your paying out. For at least per month, produce down each and every time you shell out cash, and that which you are investing the cash on. After you have carried out this for your thirty day period, evaluate your expending patterns and make variations as required. 

As a way to remain along with your individual finances, use 1 with the several internet site and applications out there which allow you file and keep track of your paying. This implies that you'll have the ability to see evidently and simply in which the greatest money drains are, and adjust your paying behavior accordingly.

A greater education can make certain that you obtain an improved position in particular finance. Census data displays that folks who have a bachelor's diploma can make nearly double the cash that someone with just a diploma earns. Even though you'll find fees to head to faculty, inside the end it will eventually spend for by itself and a lot more.

Nurture your profession, for maximum effectiveness with own finance. Considering the fact that your work is exactly where you crank out your money, it ought to be your variety 1 priority to take care of. If the profession is struggling, then every little thing down the chain will suffer too. So guantee that that you are maintaining your career ranked above all other investments.

Make the go to community financial institutions and credit score unions.  Your local financial institution and lending establishments can have a lot more control in excess of how they lend revenue resulting in much better rates on bank cards and price savings accounts, which could then be reinvested inside your possess community. All of this, with very good old-fashioned private assistance!  

When you are obtaining issues shelling out off a bank card, it is best to cease charging it. Lower your costs as much as possible and come across another technique of payment so that you usually do not max out your bank card. Pay back your month to month harmony before you start making use of your bank card once more.

Look for qualified guidance if you are going to spend money on stocks for personal economical gains. Using the services of a specialist advisor can be a guaranteed way to make certain that you will get returns back again. They have the know-how and expertise in the discipline that can help you be successful. In case you go at it alone, you would have to invest times exploring, and that can take in considerably of your time.

Prior to deciding to head out to the grocery store to buy foods for your personal house, make a record of all the matters that you need to have.  This tends to improve your amount of organization and permit you to definitely persist with a system, rather than randomly getting foodstuff which will lead to fat acquire.

To raised maintain your funds, it can be a great idea to have two individual financial institution accounts. Use one particular on your regular bills like rent, bills and food stuff, plus the other to avoid wasting for emergencies or significant purchases. It is actually also sensible to put money absent in an account you by no means contact so you can develop your price savings.

Thrift shopping and consignment procuring became a lot more popular in the latest economic climate.  Check out getting your apparel, residence decor, and kitchen goods next hand.  It can save you a good deal of money to the points you need to acquire in any case that you simply can then place in direction of your savings or retirement accounts. 

When you've got fallen behind in your home loan payments and possess no hope of starting to be recent, see if you qualify to get a short sale right before allowing your own home go into foreclosure.  Even though a brief sale will nevertheless negatively impact your credit score rating and keep on being on your credit report for seven decades, a foreclosures includes a additional drastic impact on your credit standing and may even lead to an employer to reject your occupation application.

[idlemiscellany]

Ways to Make Your Smart Way Bets To create When

When you are arranging a serious vacation, contemplate opening a completely new credit card to finance it that offers rewards. Several vacation playing cards are even affiliated having a resort chain or airline, this means that you simply get more bonuses for utilizing all those providers. The rewards you rack up can include a lodge remain as well as a whole domestic flight.

Make your own home far more eco-friendly by switching every one of the light bulbs in the household to compact fluorescent lights.  They are going to prevent cash in your regular monthly ability or energy monthly bill and in addition last much longer than common bulbs, that means you will not really have to shell out as much dollars, or time replacing them.  

You can save on energy payments through the use of electrical power effective appliances. Change out those people outdated gentle bulbs and change them with Electrical power Star compliant ones. This may conserve on your electrical power monthly bill and give your lamps a longer lifespan. Using energy economical toasters, fridges and washing devices, could also allow you to save lots of money inside the lengthy haul. 

Check Out

Preserve a day by day checklist.  Reward by yourself when you've concluded every thing to the list with the 7 days.  From time to time it really is simpler to see that which you must do, than to count on your own memory.  Whether or not it is really scheduling your foods to the week, prepping your snacks or simply generating your mattress, put it on your record.

Income management is essential to achievements. Earnings ought to be shielded and cash invested. Allocating earnings into capital to construct a larger basis for advancement is suitable, nevertheless, controlling people earnings properly makes it possible for you to see return out of your investments. Set a regular for what you maintain as income and what's reallocated into money.

If a single wants to give by themselves far better likelihood of shielding their investments they ought to make programs for the secure nation that's forex level stays powerful or is vulnerable to resist sudden drops. Researching and locating a state which has these necessary characteristics can provide an area to help keep ones belongings safe in not sure occasions.

Teach your youthful baby about funds by giving him an allowance that he can use for toys. This way, it's going to train him that if he spends dollars in his piggy lender on 1 toy, he'll have a lot less dollars to spend on something else. This will instruct him to be selective about what he would like to acquire.

To learn exactly where your cash is going record your entire paying out. For a minimum of per month, publish down each time you expend dollars, and that which you are spending the money on. Once you have completed this for the thirty day period, evaluation your paying behavior and make adjustments as needed. 

To be able to keep on top of your personal funds, make use of a person of your lots of web-site and applications in existence which let you file and observe your expending. This implies that you'll have the option to discover obviously and simply where the most important money drains are, and modify your shelling out patterns appropriately.

A higher training can be certain that you will get an even better place in individual finance. Census information demonstrates that people who may have a bachelor's diploma can get paid practically double the cash that someone with simply a diploma earns. Even though you'll find costs to head to college, within the conclude it will fork out for itself and even more.

Nurture your occupation, for maximum efficiency with personalized finance. Given that your get the job done is where you deliver your money, it should be your variety just one precedence to deal with. When your career is struggling, then every thing down the chain will go through likewise. So be sure that you will be preserving your vocation ranked previously mentioned all other investments.

Make the go to neighborhood banking institutions and credit score unions.  Your local lender and lending institutions can have extra command around how they lend money resulting in improved prices on bank cards and savings accounts, which could then be reinvested in your personal group. All this, with excellent old-fashioned personalized assistance!  

In case you are acquiring troubles paying off a credit card, you must stop charging it. Cut down your fees as much as you can and come across one more approach to payment so you tend not to max out your bank card. Pay off your every month harmony before you decide to start off utilizing your charge card yet again.

Hunt for professional guidance if you are about to put money into stocks for personal economic gains. Employing an expert advisor is a certain way to be sure that you'll get returns back. They've got the understanding and working experience in the subject to aid you succeed. Should you go at it by itself, you would need to devote times studying, and that can take in a great deal of the time.

Before you decide to head out to your grocery store to get food stuff for your dwelling, create a checklist of all of the factors you need.  This will raise your amount of corporation and allow you to stay with a program, as opposed to randomly getting foods which can add to pounds gain.

To raised maintain your funds, it's a fantastic strategy to have two different financial institution accounts. Use a person to your regular monthly bills like hire, expenditures and food, and also the other to save lots of for emergencies or key purchases. It is actually also reasonable to put income away within an account you by no means touch which means you can build up your price savings.

Thrift procuring and consignment purchasing have become a lot more popular while in the latest financial state.  Check out buying your outfits, home decor, and kitchen products 2nd hand.  It can save you a whole lot of cash to the factors you must invest in anyway which you can then set towards your cost savings or retirement accounts. 

When you've got fallen at the rear of in your home loan payments and possess no hope of becoming recent, see if you qualify for a quick sale right before allowing your home go into foreclosure.  Although a brief sale will nonetheless negatively impact your credit rating ranking and continue being in your credit rating report for 7 decades, a foreclosure provides a much more drastic impact on your credit worthiness and may even cause an employer to reject your career application.

[allenmendezsr]

Energy2green - Wind And Solar Power System - *#1 Home Energy Program

New Post has been published on https://autotraffixpro.app/allenmendezsr/energy2green-wind-and-solar-power-system-1-home-energy-program/

Energy2green - Wind And Solar Power System - *#1 Home Energy Program

 Buy Now

    From the DIY Workshop of Tomas Haynes Solar, Wind, Energy Enthusiast & Creator of Energy2Green.com

“The power companies know that their customers could invest as little as $200 and generate their own electricity and literally make their meters spin backwards and that’s precisely why they hope you never learn about my Energy 2 Green system!”

Hello,

For generations, we have been held hostage by Power Companies. Despite relatively little investment in new power plants and equipment, the average consumer has seen their electric bill more than double in the past 10 years! This far outpaces inflation during that same time period and no one has invested in any nuclear facilities for more than 3 decades so why have the power companies raised our rates so dramatically?

It’s simple: We absolutely NEED electricity and the power companies know it. They have been justifying price increases for years despite having over 300 years worth of verifiable coal reserves (most electricity is produced using coal), not investing in new nuclear facilities since the 1970’s, and relatively low maintenance costs! But today, the average household spends $1,000 or more per year on electricity and the rates will keep going up and up guaranteed.

Actually, if you produce more electricity than you use, the electric company is obligated by law to buy it from you at current market price! So imagine if instead of mailing a check to the electric company each month they could be sending YOU a check each month! And no you DO NOT need to invest $1,000’s in costly solar panels or windmills to transform your home into an energy producing “green home”!

That’s right, forget about spending $3,000 or more for factory made windmills and solar panels because if you can follow simple step-by-step instructions and invest just $200 then you can transform your energy-using home into an energy producing “green home”! You don’t need a degree in engineering, specialized and expensive equipment, or even a big initial investment, just the determination to STOP being held hostage by the Power Companies, a small but manageable investment, and the Energy 2 Green systems manual!

The winning designs were ultimately put to the test…by High School students! That’s right, high school students with no help from their teachers were able to use the instructions to create their very own solar panels and windmills! All eight groups of students (working in pairs) were able to reproduce the winning designs to create both workable windmills and solar panels at an average cost of just $200 and using nothing more than simple hand tools!

The Sun produces a range of energy which we can only see a small part of as visible white light. Solar panels turn another part, or wavelength, of the light into electricity that can be harnessed. A photovoltaic cell (PV Cell) produces electricity on the principle that electricity will be produced when two semiconductors are exposed to a particular wavelength of light. Groups of PV Cells are linked together to form panels, the bigger the panel and the more cells, the greater the amount of electricity can be produced.

Watch this video to see how a man managed to set up solar power in his home and what you could make, following Energy 2 Green Solution:

Many people have seen wind turbines at some point or another in their life, but does the average person know how wind turbines work? We hope to answer that question so you will understand what makes wind power such a great alternative energy. The concept behind the wind turbine technology is not that difficult to understand. The wind blows, which turns the turbine blades. These blades are connected to a shaft that turns with the blades, and attaches to a generator which creates electricity and sends it to a sub-station.

Here is a similar wind power system to what you could make, following Energy 2 Green Solution:

Electric Bill Drastically Reduced Or Eliminated Completely (depending on your electric use and the type of device you build)

Help Fight Global Warming Even if the Government Won’t! (if enough of us “go green”, we can collectively and effectively combat global warming and help preserve the planet for our children!)

Fun and Productive Project That Helps You Spend Quality Time with the Family!

Investment Literally Pays For Itself In As Little As 2 Months!

Save Up to $1,000 each Year On Your Electric Bill!

Solar Panels Can Be Portable So You Can Take Them With You Anywhere Like When You Go Camping!

Gas and food prices are skyrocketing with no end in sight. Wages have essentially stagnated. The housing crisis is nowhere near over and everyone is looking to cut costs and your electric bill is eating up $1,000 or more each year now just imagine that expense completely eliminated or drastically reduced to around $120 per year what else could you use that money for?

Paying off your credit cards?

A vacation—each and every year?

A New Plasma TV?

A Much Deserved Shopping Spree?

Investing in Your Child’s College Fund?

Investing in Your Retirement Account?

‘I didn’t order the Energy 2 Green manual just to lower my electricity costs and I honestly didn’t expect a huge drop – I was just trying to make my kids proud and personally do something about the global warming problem. We had a blast building our own windmill which was rewarding enough for me – but then I got my first full monthly bill after completing it and it was actually a check!, Sure, it was only for $4.58 and I gave the money to my children – but it was the greatest feeling in the world especially knowing me and my family were doing our part to help preserve this world!”

Detailed Schematics and Diagrams Showing You Precisely How To Build Your Solar Panels (generates up to 200-watts each) or Windmill (generates up to 1000-Watts!) Including the Precise Measurements You Need For Optimum Performance!

Step-by-Step Instructions So Easy To Follow that Even High School Students Can Build Fully Functional Solar Panels and Windmills!

Where To Find The Materials You Need For Your Solar Panels or Windmill!

Installation Instructions To Hook the Solar Panel or Windmill Up To Your Home!

Detailed Maintenance Instructions and Schedule for Your Windmill or Solar Panel!

  Legal Information Regarding Your New Solar Power System or Windmill!

Pre-Construction Checklist That Helps Ensure Your Windmill or Solar Panel Project Goes Off as Planned!

Complete Background Information on Both Wind and Solar Power!

How To Contact Your Power Company to Make Sure You Get Paid Top Dollar for the Electricity you Generate!

Energy-Saving Tips to Reduce Electricity and Gas Use by 25% or More (the Energy 2 Green manual is a great investment for these tips alone!)

And Much, Much More!!

When you place an order below you will immediately receive a download link for the Ebook. The Ebook details how to create the Energy 2 Green system from easily obtainable parts, and shows users how to save literally tons of energy and money with the system. + You will also get the Bonuses!

These e-books are (electronic books) and are delivered ONLINE – if your computer can handle THIS website, then you can read or print these books using your browser. No download time, you get immediate access. Plus, you get free access for all future updates!

Why online books? Thanks to all the feedbacks from our readers, Energy 2 Green evolves and improves, and it’s happening REAL FAST. We want you to have the latest updates immediately. Every improvement, every new piece of information, and every new chapter, shows up automatically and immediately. You can visit the books as many times as you need and want. You will always see fresh information!

Watch Steve From Our Solar Information Center Website Demonstrate

 NEW – Our 60 minute step-by-step online video training for making high quality Solar Panels! (note: You will not receive a physical DVD, the video segments can be viewed online.)

You will watch Steve construct a solar panel from start to finish in one weekend. I have found that if you can make your own panels you can save huge. It is easy to understand how in our video training series. Nothing is left out in the video. You will see the whole process.

After watching our video training, you will be able to purchase individual solar cells at less than the cost of a premanufactured panel. This makes the cost of using solar energy more affordable.

Don’t let anybody tell you Solar Energy is too expensive. Buy our Package and find out how to construct your own panels and start saving money on your utility bills TODAY!

Click Here to Order Now

“I am 68 years old and living on a fixed income. Rising costs on just about everything from food and gas to my utilities were robbing me of having any money to spend on my grandchildren – something had to give or I was going to have to sell my house! An old buddy of mine from the army called me up one day and told me he built a couple of solar panels using your book and was now getting paid by the electric company each month – so I decided to give it a try. I know have built 3 solar panels for myself and sold almost a dozen to friends and family with the help of my grandchildren who love helping me make them – I can’t believe everyone isn’t doing this!! Thank You!”

“When work cut my hours, I honestly didn’t know how I was going to make ends meet. When I first heard about your book from a friend at work, I didn’t think it was for me. I can’t start the lawnmower half the time so I didn’t think I could possibly build a solar panel or windmill, but I had to cut costs somehow or risk me and my 2 small children becoming homeless! Using the stimulus check this summer, I decided to take a chance and believe it or not, me and my 12-year old son built a windmill! Not only did it help us save $100 each month, the electric company is now sending us a check each month! No, I’m not getting rich but at least I’m not worrying about that electric bill every month and my kids have a mom who is really doing something to help save the planet for them and their children! Believe me, if me and my 12-year old son can do it, anyone can!! Let’s all save the planet together and stop paying those greedy people at the electric company once and for all!!”

Step 1: Order the Energy 2 Green Manual for Just $49! (About ½ of what You Pay For Just 1 Month of Electricity!)

Step 2: Follow The Step-By-Step Instructions To Build Your Own Solar Panel or Windmill For as Little As $200.

Step 3: Install and Wait For Your Next Electric Bill!

That’s it doesn’t get much easier, does it? From the moment you order the Energy 2 Green manual, you will have instant access and be able to go out and buy the supplies you need to be generating electricity in your very own back yard within days possibly hours depending on how excited you are to get it up and running!

Don’t worry you don’t need to be a construction worker or have a garage filled with expensive tools and equipment to create your very own wind or solar power system! Armed with the Energy 2 Green easy-to-read manual, some simple hand tools, and the determination to free yourself from the power company once and for all you have everything you need to build your very own professional quality solar panels or windmill guaranteed!

  And To Make Sure You Really “Stick It To the Electric Company” While Helping Save the Planet and Serious $$…

“Planning & Installing Bioenergy Systems”

Once you see how easy it is to ‘go green’ using the simple, easy to read Energy 2 Green manual – we know you will be hooked and want to do even more for both yourself and loved ones!

Planning & Installing Bioenergy Systems provides an in-depth guide into renewable energy systems and help you completely transform your home into a true mini power station that is completely eco friendly!

This 238 page book is valued at $249 but yours FREE when you order Energy 2 Green today!!

“Renewable Energy Technology”

Energy 2 Green is designed to help anyone build and install their very own windmill or solar panels with easy-to-read step-by-step instructions but Renewable Energy Technology helps you understand the true power of this new and exciting energy revolution that will help us save our planet for future generations.

Regularly sold for $180, Renewable Energy Technology is our FREE gift to you when you order Energy 2 Green NOW!!

Simple click on the big button “Order Now” below and follow the easy instructions. As soon as you’ve placed your order, you’ll get INSTANT ACCESS and instructions on how to download all your e-books and bonuses! You can pay with credit card, debit card or PayPal. Your purchase is protected by a 100% satisfaction cashback guarantee.

These are e-books (electronic books) and are delivered ONLINE – if your computer can handle THIS website, then you can read or print these books using your browser. No download time, access is immediate.

This is it, the moment that can literally help end your dependence on the power company forever while making a REAL difference in the fight against global warming! The revolutionary information you need to start generating electricity in days and for as little as $200 is contained in the Energy 2 Green manual, including:

Step-by-Step and easy to read instructions!

Diagrams and Schematics!

Maintenance Tips and Schedules!

Energy Saving Secrets That Help Cut Electricity and Gas Costs Even More!

Pre-Construction Checklist!

And Plenty of Special Tips and Tricks To Get You Up and Running Even Faster!

Energy 2 Green is available in PDF format, so you can literally hit the ground running and go out and buy everything you need today and get started immediately! Your order is 100% secure, completely risk-free, and we never share your information with any third party for any reason, all you need to do to break free from the power company and start saving the planet is…

(Regular $190 Value! Only Today For $49) This Sale Expires Tomorrow!

YES! Give me the e-book + Online Video Training now for only $49, one-time charge.

Also give me the FREE updates and BONUSES at no extra charge.

I understand that this a limited time offer and may be removed at any time.

Click Here to Order Now

The Energy 2 Green is in PDF format and can be downloaded instantly after payment!

Order online safely and securely 100% Secure, Full Encryption Is Being Used You’ll receive your order instantly even if it’s 3am!

You won’t find a better price anywhere else for such a complete and quality conversion-kit manual with over 400 pages of detailed instructions and full illustrations easy enough for even a novice to follow.This technology is used successfully by thousands of satisfied customers.

We have never priced our guide this low, and won’t for much longer!

Our cheapest renewable energy competitor charges $210 which (we admit) is usually a lower price than ours, but with this limited-time sale, we are offering our guide for just 1/4 of their price, and our guide is easier to understand, costs less to set-up, and works more efficiently!

SMALLER SYSTEMS SELL ON THE INTERNET FOR $4,000-$6,500 AND THEY ARE WORTH EVERY PENNY. However, they take over a year to pay for themselves.

Our conversion system will easily pay for itself within a month or two.

Once installed, it will save you an average of $220 per month for many years into the future!

That’s a savings of well over $3,000 per year, every year, for a low one-time payment of just $190 $49. The math is real, and so are your savings!

Click ‘ORDER NOW’ to get this system!

Click Here to Order Now

P.S. – We cannot possibly guarantee this price forever because Success Stories like Edward are already starting their own “cottage industries” using our information to build solar panels and windmills for their friends and family! So don’t delay click here to order Energy 2 Green NOW before prices go up!!

Home | Contact | Affiliates