#they don't know how to budget or manage money or even how to file their taxes

[coockie8]

it what universe could a 20 year old have more life experience than a 50 year old?

This universe.

It's the difference between someone who got sold into sex trafficking before puberty, got out in their mid teens, and had to pull some kind of a life together by the time they were a legal adult, and a woman who got married at 16 and has barely left her house in 30+ years 'cause her husband won't let her do anything, and just does everything himself 'cause he thinks she's stupid.

[rowanoftheunknown]

This is kind of getting wild actually. Like not to seem like I was 100% on board with the subscription service (I am not) but people are acting like watcher is run by the fucking monopoly man.

I had to do a production management course as part of my media degree, and people REALLY underestimate how much even the cheapest shows are to produce.

"Shane and Ryan could just sit in a room and people would watch." No. Not necessarily. Many people are saying they're glad watcher is getting shit because they never liked Too Many Spirits or Mystery Files or Beat Down. And even if they transitioned to that being their only content, with the most conservative of estimates, with things like set, research, guest scheduling, scripting, editing, mastering, uploading, you're looking at $5000/ep. That's the fucking reality of having a production company. It's not cheap. It is proportionally more expensive than big budget productions. And this is with them paying their staff correctly AS THEY FUCKING SHOULD. Laying people off or paying them less should not be words out of anyone's mouths rn.

"I want to watch ethically created videos that are well made and entertaining" and "I don't want to pay for my content" are mutually exclusive statements. I'm sorry but it is true.

Also, consider that their money makers at BuzzFeed were Worth it and Unsolved. Why would they assume that their audience wouldn't want more of that kind of content?? Especially now that people are bemoaning the fact that they'd have to pay for content that isn't like what they made at BuzzFeed.

Tldr: This should have been a very brief blip and learning experience, but it's turned into a big cluster fuck where people are feeling very personally hurt that the people they have become attached to on the internet are asking for money to give them more content. Was the subscription service a good idea? No. Are people being too dramatic by being like "I don't know if I can ever trust them again" and acting personally sickened because their entertainment costs money? Yes.

This sucked but some of you need to get over yourselves.

[nastynellis]

ive seen a lot of people say they dont like how grunt cogs dont have fully developed personality chips, which is completely valid and pretty much all the posts ive seen have great points! i personally dont mind either way, but i will say for me it makes sense that they aren't on the same sentient level as managers.

as it said in the blog post, creating managers is expensive, whereas grunt cogs are mass-produced to do simple tasks. it makes sense they wouldnt put the time and money into detailed personality chips. however, that being said, i dont think they are completely robotic... i think they would have some sort of sentiency in their programming, just obviously not as much as the managers. of course, we dont know this for sure, im getting into headcanon territory now; but i would imagine at least executive grunt cogs would have a higher budget in their development, which would mean a more advanced personality chip, more important responsibilities compared to the regular cogs, etc.

again, this is just speculation because we really don't know all the lore in the ttcc universe yet. maybe there are different categories, per se, of grunt cogs? meaning the ones who would have more personality would be the ones assigned to filing paperwork, getting higher-up cogs cogffee, etc. just typical intern type jobs. whereas the cogs roaming the streets are mainly just used for brute force, taking over buildings and fighting toons basically. i dont think they would be completely ai-esque, but i can see the company not putting too much effort into the personality side of them because they know they will most likely get destroyed anyways.

idk! its a little tricky because at the end of the day they are robots... so theres just so many questions regarding a lot of things. who built the cogs in the first place? even though the chairman is at the top of the pyramid, hes still a cog too, so someone had to design and build him just like all the others, right?

[rachelbethhines]

Things That I Use To Help Manage My ADHD and Executive Dysfunction

1. To Do Lists

I know, I know.

Making a list is boring. I lose the paper. I forget to make the to do list.

Believe me, I know.

I've been there, but trust me it does help once you get into the habit.

Here's some tips on how to get started

Try making your list in a digital app or a document file so you don't lose it

Sticky notes in a place you're sure to see them

An erasable board like a marker board or a chalkboard that you keep up in a specific place and never move. Like on the wall or the fridge.

Put "make 'to do' list" on the to do list so you don't forget to do it

Set aside a certain time to fill out or check off the list each day. Consistency is key.

Use calendars, alarms, and timers liberally to keep track of appointments and to manage your time so you don't hyper-focus on something to the determinant of more important things

But be flexible for things that don't have deadlines or appointments. Don't beat yourself up if something doesn't get done, just add it back onto the list for next time

2. Randomizers

Part of the problem with executive dysfunction is being overwhelmed by choice. So I keep a few randomizer websites booked marked that I use regularly

Wheel pickers

List randomizers

Random number generators

Like I keep my list of projects on a wheel picker app. And my chores that I don't have deadlines for on another. When making my to do list I'll spin the wheel to pick the project or chore that I'm going to work on that day.

I do the same when picking out albums to listen to or movies to watch so I don't go doom scrolling while wasting time deciding.

3. Meal Planning

Similar to the above, I take one day out of the week to draw up my meal plan for the next week.

Use this time to take stock of your pantry and fridge. What needs to get used up?

Anything special you want to fix over the week or weekend? Save the recipes to a document or leave a bookmark in your cookbook

Overwhelmed with choices or just don't know what to do with certain ingredients? Try a randomizer or an app like supercook to come up with ideas.

After you've taken inventory of your kitchen and figured out any special recipes you want to make, go ahead and fill out your grocery list

Set aside time on your to do list for shopping, meal prep, and cooking through out the week.

Pre-plan what days/times you are going to eat out or get takeout and work that into the meal plan/budget

Budget not only your money but also your time. How long will this recipe take to prep/cook? How much effort will it require of me? Is there any shortcuts I can take to make things easier, like buying my veggies already diced?

Try using an app to keep track of your meal plan, grocery list, and recipes so that they're all in one place

4. Mental Health Apps

I like Booster Buddy, but it's no longer supported for newer devices. I have also used Finch. But at the end of the day it doesn't matter which app you choose.

The point of having a program dedicated for mental health is to have a handy way to check in on yourself and see how you are feeling. Many apps will offer visual cues to allow you to break down your motivation and energy levels.

This will help give you a guideline for the day so you don't stretch yourself too thin.

A good app will also offer little suggestions and tips to help improve your mood or provide genteel reminders for small things that help with self care.

But most importantly it will help you spot patterns over time so you can better notice ongoing problems or see gradual changes as you get better.

5. Finding and Avoiding What Triggers My Dissociation

This is the hardest one.

I suffer from Maladaptive Daydreaming on top everything else which only makes my ADD and Executive Dysfunction even worse.

For others it maybe obsessive compulsion or a tendency to hyper-focus.

Things that I found that can be triggers are boredom, anxiety, isolation, health/dietary complications, and even the weather.

So here's some things I noticed that help

Set aside a certain time during the day to read/watch the news and then ignore it for the rest of the day. Yes be informed, but don't obsess.

Get your news from actual reputable news sources and not social media! Avoid algorithms feeding you negativity.

If you want to be more politically active schedule time for it, get involved with actual charities or political organizations, and then go about your regular business afterwards

Limit social media time. For me it's mornings before work for about 30mins, and then maybe an hour after work.

Curate your online experience. Block what you need to. Unfollow who you see fit. Social media should be fun not stressful.

Talk to other people! Make plans to hang out on weekends or call/text someone during the weekday. Try to make contact with another human being in some form everyday for at least a few mins, even if it's just online in a discord chat.

Have a book or notepad handy for when you get bored at work. Read, write, or draw during your downtime so you don't start staring off into space.

Keep a short list of fun things to do handy if you feel bored at home.

Set aside time to daydream/worry/plan/meditate/decompress. You need to mentally unwind at some point. The goal is to have that time per-planned so that it doesn't distract from other needed tasks. Getting into a routine with that time will also help.

Eating enough iron/vitamin C/protein ect. Food is energy and you need energy to focus. Meal planning will help with this.

TAKE YOUR MEDS!!!

Sometimes the weather will make you groggy, irritated, or anxious. There's not much you can do about this other than to accept it and just try your best.

You can however plan for bad weather ahead of time. Go to the National Weather site to find out about upcoming weather in your area and to figure what you need to be prepared for it. Try getting into the habit of doing this regularly.

[emeraldlupin]

Breaking Down Naruto: Blood Prison Part 2

Part 1

Before I start, I wanted to add one other thing to the discussion from last time. The plundered Italian sculpture in the prison isn't just a copy. It's a supersized copy. Mui falls down on it to die and he's dwarfed by it.

Bad Security

Here's another ridiculous thing about Blood Prison. One of the inmates, Ryuzetsu, is a woman disguised as a man. She hides her very long hair under a bandana...and that's it.

Now, when the prisoners arrive, they are given a physical exam. They are even strip searched to make sure they aren't hiding any weapons. The unnamed prison guard with the creepy face was particularly gleeful at searching Naruto, even forcing him to take off his boxers so he was in nothing but his birthday suit.

Ew.

One wonders, then, how in the world Ryuzetsu managed to hide her gender. It's pretty mindbogglingly poor of the guards. The only thing that could help explain it is that Ryuzetsu had a confederate in one of the prison guards. It is possible that this guard handled her search and allowed her not to be revealed. I'll give the movie that.

On the other hand, from what I understand (admittedly via fiction), don't prisoners shower together? Avoiding the exam is one thing, but how in the world does she avoid being recognized in the shower? It's not like in Disney's Mulan where our heroine could sneak away to bathe privately in a lake.

Ryuzetsu's confederate also does not explain how Naruto, in his very first escape attempt, had two shuriken on him. Where the heck did he get those? Not from the guards. They don't use shuriken. Where was he keeping...maybe I don't want to know.

Why is this prison's security so bad? Maybe it's budget. After all, why spend money on competent guards when you can afford rifles, pickelhaubes, and giant copies of Bernini sculptures, right?

Actually that does make me realize that there are absolutely no women in Blood Prison. It doesn't even seem like there's a women's section (which would require female guards).

Perhaps this is a statement on the dismal state of kunoichi in the series....Le sigh.

Even MORE Incompetence

Here's yet another question, one that I brought up, or will bring up, I don't know when I'll post the relevant chapter, in my geography analysis.

Ryuzetsu was shown in flashback to be very close friends with Mui's son Muku. They were seen sitting under a tree near the prison. Now, if the prison were built on someone else's coast, one could maybe justify Ryuzetsu's presence by her having a family member working at the prison. Though to be honest, other than Mui, there are no other shinobi working as guards.

But even setting that aside, Ryuzetsu was still close friends with Mui's son, so how in the world did he not recognize her when she was sent in as a prisoner? Ryuzetsu has a very distinct appearance, particularly her hair and eyes. Sure, the length of her hair was hidden, but not the color. In fact, she did absolutely nothing else to disguise herself in any way.

Mui gets the files on all the prisoners. He had Naruto's file during a meeting with his fellow Seeds of Grass conspirators. He's there to greet new arrivals. I know it's been ten years or so but come on, how does he not recognize her?!

If the Hidden Grass were going to send in an ANBU to spy on the prison, shouldn't they have chosen somebody Mui was unlikely to know?

Part 3

[skitariiposting]

funct.print ("[statement] so. Just a little update on the imperator titan situation. I decided to sit down with the .stl files just to see what I'm working with. First off, most of them seem to be set up for a larger build plate, which is fine, I can cut most in half and just baaaarely fit them on a Mars 3. The problem is before I even do that there's already a funct. ton of models. Like holy shift so many models. I got like 4 or 5 sliced, just to see what I'm working with here and just those 5 added up to a little over 24 hours of printing. So when I say this'll be a long project, it's gonna be a long project.");

funct.print ("[optimistic] on the bright side, the poll I made is looking pretty positive, so if I did start the project, I know that at least at the beginning I'd have a couple people watching, which is a confidence boost. I wanna bring this up for people questioning the quality of the videos: I'm about to graduate as a Creative Media Production major. Producing high quality things is what I've spent four years of my life learning how to do and what I intend to do for the rest of my life to make a living. The question will be if it's entertaining or not, which I'm still worried about.");

funct.print ("[statment] I mentioned it in the replies, but if I started this project <and this is still a big if> I'd open a patreon to go along with it, because I don't think I can manage this project without a bit of support. One of the patreon rewards that I think would be cool is if you get the tier, I'll send you one of the pieces to paint however you like. No color scheme, no set amount of detail or quality, just paint it how you want to paint it. Scrawl your name in leadbelcher after painting it light pink for all I care, just no bare plastic. After I get everything printed, the patrons will send back their painted parts and then I'll assemble this big patchwork chaotic conglomeration of paint schemes and colors and we'll have a big art piece that the community helped to put together financially and physically. I've also been thinking more on the whole "giving me money" thing with patreon, and I have a morality thing I've reached a conclusion with. On top of paying for me to continue the project, any money I'd have left over that I didn't spend that month won't go to me. The budget will focus on the print first, video production second, helping with rent and groceries third, and then the excess past that. I'd feel guilty taking the excess money to pay for anything besides those three or four things. So instead, I'll use it to make donations to small upcoming creators in the community and artists, without sending it to the patreons for benefits or whatever. Just direct donations from my community to them. Because while yes money to buy more fun stuff for me is cool, I feel like if I'm taking money from the community, it's only fair I spend it on things for the community and give back to the community anything I don't spend.");

funct.print ("[statement] Now. I want to specify. This is all still hypothetical at this point. I'm still a college student living in their parent's basement with a part time job for three to four more months. While yes, I've been making connections with full time jobs, prepping for moving out again, <my roommate graduated, so I couldn't afford the dorm room anymore> and making plans, my future is not set in stone by any means. So, I'm not making promises that this is going to happen. More than anything I'm just sharing my idea to see if it's even a good idea and if there's anything I can do to improve it, or make it more enjoyable for people. So don't go holding this to me like it's 100% going to happen, it's just a project I'd love to do if I have the capability to. -Jerry");

[lunarscaled]

cw child abuse + neglect, disordered eating.

talking about lyrics childhood

Lyric intentionally doesn't discuss their last much, but a lot of Lyric's behavior ( enduring discomfort, poor diet, overworking, dissociation, poor personal care ) basically stem directly from their general lack of stability as a child after they ran away from home.

When Lyric ran away, their father did not report it to the police. He was too buried in his grief, his anger, and his alcoholism to feel anything but fury that Lyric had dared to leave home, and "abandon" their duties caring for their two younger siblings. Claudia was about half Lyric's age ( somewhere between 4-6 ) and Marianne was little older than 3; they relied on Lyric for much of their care the parents SHOULD have provided, but with Lyrics mother ( and their twin brother, Kamille ) dead and their father basically useless, Lyric had to do what they could. As a child of no more than 11 or 12, this was very little. They did not know how to cook, they did not know how to regularly or safely bathe young children, they did not know how to manage schedules or wash clothes or dress them properly. Claudia, with the disruption of a regular life by her mother's death, was likely not enrolled in school; the only reason Lyric's disappearance was ever reported was because THEY were enrolled in school, and after several weeks of absences, the school sent police to investigate, only to have a missing persons report filed. This incident would be the point that eventually caused Lyric's father to lose custody of the youngest children, but Lyric was long gone by then.

Because Lyric's father owned and ran a farm, Lyric had a rough, limited knowledge of wild plants. They had maybe a single guidebook with them when they left that they used mostly as a picture reference, and used it to avoid eating potentially fatal mushrooms or berries. While alone, Lyric basically ate whatever was available: berries, roots, raw meat ( which they got food poisoning from often and probably almost killed them at least once ) until they got sets of matches from a bar in one town and then it became burnt but safer meat, discarded food, birdseed, candies if they could steal them. It didn't matter if there was dignity at stake, or if it could be bad for them, or if they disliked it. They were no more than a child trying to survive. Their available food improves when they're taken in by the Circus, but the troupe was always on a shoestring budget with barely enough to go around, and everyone often ate less than desired. Even now, Lyric tends to not be very discerning in their food choices because it is both a learned survival mechanism and a dragon instinct to eat what you can, when you can.

On top of that, Lyric began taking jobs under the table almost as soon as they could, for any pay, and so they are an extreme overworker. Having nothing to do rarely sits well with them; they have to be completely exhausted to do it. They would work 65 hours a week even if they didn't need to because they feel like they need to. That if they aren't working their current lifestyle will fall through. Lyric is also extremely frugal because of this, and they hate wasting money on something they think they don't need, even if it would improve their quality of life or replace something worn down. Receiving gifts, or being spoiled by a partner, is very difficult for them for this reason.

I've also mentioned before how Lyric has poor self care habits re: their skin and hair, how they engage in actions that intentionally cause themselves discomfort or go against their own wishes, sometimes including injuring themselves in acts of self harm. Lyric would rather suffer discomfort or injury than put upon someone else, even for very small things, or things that someone has already said are okay. They take their position as Guild Leader extremely seriously and feel they can't give an edge to anyone which keeps everyone at a distance. Despite that, Lyric tries hard to be noble and honest and treat people kindly. They fear being the person their father was. They fear being angry and drunk and ruining someone's life. They don't take care of themselves because they feel all actions of self care are like an admission of weakness or guilt, and that they don't deserve it for abandoning their family.

Because of the habits Lyric developed to survive as a child, they tend to do self preservation things in the present. They don't like wasting food; they grow some of their own produce, can it, and store it for winter. They forage in the woods for edible roots and herbs. They do things like eat lemons and compost the rinds, or eat apples including the core, or crack open bones and eat the marrow. They sometimes go dumpster diving even though they're usually told to put it back or donate it if the food is in good shape and not recalled. Lyric will eat undercooked, overcooked, and burnt foods if they aren't told not to. They drink an absurd amount of caffeine and tea and don't get enough sleep. They are extremely anxious when they have to eat around others and sometimes forget to eat when they work.

a lot of lyrics bad behaviors are just things they've always done and haven't unlearned. It's hard for them to understand why they might be wrong or incorrect because those things kept them alive; their psyche is much the same way. they're uncomfortable unlearning those things because they feel unsafe without them to rely on, but it can be very hard for people around them to tolerate that for a long period. Because of that, Lyric always anticipates ending up alone.

[fantrollology]

💰⌛️📥🔫 for Alaska!!!

kurt art :)

💰 - finances

alaska is very fiscally responsible! hes break down budgets for his own project proposals, and he travels a lot so he needs a good pin on his spending. he makes good money but even when he made less he managed to maintain his standard of living well.

⌛️ - time management

also something hes good at ! great at sticking to schedules and delivering on time. he CAN get pretty into things he's working on and blow a whole day when able to, but he's been working long enough that he knows how to structure his time to get what he needs to done.

📥- organization

hes pretty damn organized and takes a lot of satisfaction in it :) again he travels a lot so he has to be able to pack up and move often, so he has his shit together and can pack up easily. hes got like, one briefcase/file where he shoves less important stuff thats a mess but thats it.

🔫 - long-range weapons

back in his days as a teen on alternia he used a crossbow :) its been a while though! i don't think he'd embarrass himself at a firing range but i don't think he'd particularly impress anyone. maybe surprise them slightly if they didnt know his history. hes not really interested in long range weaponry, though.

[djinnhatescold]

Omg it's the perfect gif for how my life at work is right now.

Come with me on this journey, and despair.

Imagine you're me, a project manager. You're tasked with not only making sure shit gets done on time and on budget, but making the numbers add up at the end. That's just project management stuff.

So about the budget thing. This means creating purchase orders, attributing them to the project code, receiving labor and materials, and sending the invoices off to accounts payable. Again, normal pm stuff.

The POs go into a system, because we're not savages and don't track every damn thing on spreadsheets.

Except I DO have to track every damn thing on spreadsheets because did you think that invoices go into that same system as the POs and project? You fool? You absolute buffoon?

Nay, the invoices go into a separate system. That I don't have access to.

Sometimes the vendors play nice and send their invoices to me. This is good because I can check the invoices amount against our PO and 99% of the time everything is cool even if it's over the po amount because we worked that shit out already.

Sometimes the vendors send the invoice straight to AP which wouldn't be a problem if they at least copied me on it, or if AP saw that it was a project invoice and thought, hey, we should send this to the project manager so they can get their shit together.

Sometimes vendors send invoices to random project team members or plant managers. Same problem despite me begging my team to forward all invoices to me.

So along comes project end and time to close the project. They ask, "pm! How much did we spend?" And I can only sigh and take a drag off my metaphorical cigarette and respond, "I know not how much money has changed hands. I can only tell you how much we thought we were spending. Your money, it is a mystery to me."

And after considerable begging someone finally takes pity on me and sends me a report out of the invoice system or, bless them, a zip file of all the invoices attributed to the project code.

And the real fun begins when I see invoices that weren't included or invoices that I never heard of in my life. Just fuckin. random invoices. And I want to put my head against a cheese gråter and go to town.

i saw a very important tiktok recently and knew i immediately needed it as a gif so here it is in case y’all want it as well

[uchoosetaxusa]

The Importance of Payroll Systems for Startup Success

Starting a new business is exciting, but it can also be challenging. One of the most important things every startup needs to manage is payroll. Payroll is more than just paying employees—it's about staying organized, keeping everyone happy, and following the rules. If you're starting a business, here's why having a good payroll system is so important and how professional payroll services can help.

What Is Payroll and Why Does It Matter?

Payroll is how a company manages paying its employees. It includes wages, salaries, bonuses, taxes, and deductions. For startups, having a good payroll system means employees get paid on time and all tax rules are followed. Mistakes like late payments or wrong tax amounts can happen without a proper system. These errors can lead to fines, unhappy employees, or even legal trouble.

Keeping Employees Happy

Employees work hard to help your startup succeed and expect to be paid on time and correctly. A good payroll system builds trust with your team because they know you value their time and effort. If payments are late or wrong, it can cause frustration and stress and even make employees leave. This can hurt your business, especially if you're starting out.

Following the Rules

When running a business, you must follow specific tax and labor laws. These laws can be tricky, and they change over time. Things like filing employee taxes or paying the correct minimum wage are part of staying compliant. Startups that don't follow the rules can face fines or other legal problems. Professional payroll services can help you stay on top of these laws, ensuring your business doesn't get into trouble.

Saving Time and Effort

Managing payroll on your own can take a lot of time. Calculating each employee's paychecks, taxes, and deductions can become overwhelming, especially as your team grows. Using professional payroll services saves you time and effort. These services handle the complicated parts, so you can focus on running your business and achieving your goals.

Preparing for Growth

As your startup grows, payroll can become more complicated. You might hire more employees, expand to new locations, or offer extra benefits. A scalable payroll system helps you manage these changes without creating chaos. Professional payroll services are designed to grow with you. They adjust to your business needs, ensuring payroll stays smooth as your team and responsibilities expand.

Useful Tools and Reports

Modern payroll systems often come with helpful tools that give you insights into your business. For example, they can track employee hours, calculate tax filings, and show you how much money you spend on salaries. These tools help you make smart decisions, like knowing when you can afford to hire more people or planning your business budget.

Why Professional Payroll Services Are Worth It?

Some startups worry about the cost of professional payroll services, but they're often worth the investment. These services save you time, reduce stress, and help avoid costly mistakes. The best part is that they're customizable, so you can choose the features that fit your needs. Whether you want basic payroll processing or full-service help with taxes and benefits, there's an option for your startup.

Final Statement

Payroll for startups might not sound exciting, but it's a key part of building a successful business. A good payroll system keeps employees happy, ensures you follow the rules, and frees up your time to focus on growing your company. Professional payroll services make things even easier by handling all the complicated details for you. They're like having an expert on your team to ensure everything runs smoothly.

So, don't let payroll problems slow you down. Get the right tools and support, and set your startup up for long-term success!

[floridadivorceus]

Thinking About Divorce? Read This First

Are You Ready for the Emotional Ride?

Divorce is a full-blown emotional rollercoaster. Even if you're the one initiating it, you'll likely go through waves of relief, sadness, guilt, and doubt. That's normal. This is a major life transition, and processing those feelings takes time. A good support system is key. Whether it's therapy, a divorce support group, or just a close friend who's got your back, having people to talk to makes a huge difference. And if you have kids, it's even more important to manage your emotions carefully because they'll be looking to you for reassurance and stability.

Finances: Know What You're Working With

Divorce isn't just an emotional separation; it's a financial one too. And let's be honest, money can make things messy fast. Before you make any major decisions, take a hard look at your financial situation. What do you own? What do you owe? Start gathering bank statements, tax returns, mortgage documents, and retirement account info. Having a clear picture of your finances now will save you headaches later. Under FL divorce laws, Florida follows an "equitable distribution" system. That doesn't always mean a straight 50/50 split; it means the court divides assets in a way that seems fair. If you're unsure where you stand or how things might shake out, now's the time to consult a financial expert or divorce attorney.

Mediation vs. Litigation: Which Route Makes Sense?

Not every divorce turns into a courtroom showdown. If you and your spouse can still communicate (even if it's awkward or tense), mediation might be a better option. Mediation allows you to negotiate the terms of your divorce with the help of a neutral third party, saving you time, money, and stress. Plus, you stay in control of the outcome instead of leaving it in the hands of a judge. However, some divorces are just too contentious for mediation. If there's a lot of conflict, dishonesty, or major disagreements over finances or custody, litigation may be necessary.

Timing Matters

There's no "perfect" time for divorce, but there are better and worse times depending on your situation. Some people wait until after the holidays or a financial milestone, while others file as soon as possible due to issues like infidelity or financial control. Some states have a waiting period after filing before a divorce can be finalized, but complex cases can take months (or longer). Knowing the timeline helps you plan ahead, especially if you need to move, adjust your budget, or change jobs.

Moving Forward on Your Terms

Divorce isn't easy, but it doesn't have to be chaotic. The more prepared you are, the smoother the process will be. Learn your rights, get organized, and don't hesitate to ask for help when you need it.

[kathleen-tonn]

It's Not Your Decision

By Kathleen Tonn

"What do you mean it's not my decision," asked Ryan. "I'm in charge of budgetary affairs." "Yes you are, but you do not have a seat on the board nor a controlling interest in the company," stated Lyle, the company CEO.. "Your job is to manage the budget, trim costs where it make sense and ensure money is available for each department. That's all. You do not get to direct department oversight. Period!"

"What they're proposing to do to our fabric designers is wrong! This textile company is famous for the unique designs crafted by these personnel," argued Ryan.

"Ryan, this is the 21st Century, and it is equipped with AI designer software that will created even more unique designs at a lower cost," acknowled the CEO. "This is a closed subject.

"Remove employee overhead costs and pencil in the Regenerative AI costs in this file." With those parting words, Lyle handed Ryan the memory stick, turned and walked back to his office. Ryan looked at the memory stick in his palm. Something so small that has the capacity to destroy livelihoods. It made him sick. Ten people will lose their jobs. Some of whom he got to know outside of work. He exited the corporate building to get some fresh air. Once in the sunshine, he decided to walk to the coffee shop two blocks away. He tried to relax as he walked. However, every time the words, "It's not your decision," came back to his memory, he clenched his fists.

If it were my decision, I'd keep the fabric designers and require them to utilize AI in their customer orders. The textile company is cheap thought the forty year old. Before I know it, AI will do away with my job. This is truly a wake up call. He opened the door to the coffee shop. The friendly greeting of Abe met him. "How you doing Boss?" Ryan smiled at Loren's son. "Oh, just trying to keep that dad of yours from making the company millions," joked the angry, budgetary department head.

Abe broght Ryan his mocha. "Hey, dad told me he's going to have to find another job. Why? He is so artistic. Why would he get a pink slip?"

Ryan ran his hand across his mouth, a subconscious gesture. "AI is going to replace all of the fabric designers. I don't agree Abe with this decision."

Abe came around the counter and sat next to his friend. "Dad paid my tuition this semester and last semester," confided Abe. "And last night, I used ChatGPT to analyze my research paper for my archeology course. It really helped me with the paper's grammer."

"Abe, I use AI too, and it makes my work flow smoother, but I don't approve of it stealing peoples' employment. People are needed. AI is needed but not at the expense of human beings. Moreover, it angers me how corporate greed dismisses the lives of people just to improve their bottom-line," angrily stated Ryan.

"How will dad find another job if like companies also turn to AI over actual human designers? queried Abe. "I better get another job to pay next semester's tuition, because my dad won't be able to help me"

Ryan finished his coffee. He looked Abe squarely in his brown eyes. "Abe, I'm already anticipating the need to come up with different employment, because my job could be axed too."

Then, the older and younger man shook hands and parted company. Each carrying a similar burden, a burden, they new they'd have to resolve.

[triridbilling]

Need Help? with Small Business Accounting Tasks

Here Are the Answers from TRIRID Accounting and Billing Software:

As a small business, the management of your money is very important to have growth and stay ahead of all your competitors. However, doing accounting tasks by oneself can be time-consuming as well as complicated. Hence, TRIRID Accounting and Billing Software comes at your rescue, providing you a powerful, easy-to-use solution to simplify all the accounting tasks.

Why Streamlined Accounting Solutions Are Critical for Small Businesses

Managing finances manually or with outdated tools can lead to errors, inefficiencies, and missed opportunities for savings. Small businesses often struggle with:

Tracking expenses and income accurately

Generating GST-compliant invoices

Managing cash flow and budgeting

Ensuring timely tax filing

Data entry mistakes that can lead to financial discrepancies

TRIRID Accounting and Billing Software helps you overcome these challenges and more, offering a suite of features designed to streamline your accounting and billing processes.

Main Features of TRIRID Accounting Software for Small Businesses

User-friendly Interface: You will not even need to know the ropes to manage your accounts, invoices, and taxes when using TRIRID. No more confusing spreadsheets or manual entries.

GST-Compliant Billing: The TRIRID system always ensures that you will make GST-compliant billing that will not have you penalized for any form of tax. Whether sales, purchases, or services, you will be able to produce the right GST invoice at once.

Comprehensively report: Easily produce profit and loss statements, balance sheets, and other tax filings with just one click. This helps you maintain track of your business financials and make informed, data-driven decisions.

Actual time data sync: Don't miss a beat. All of your devices will synchronize data in real time, enabling you to access your accounting information at any time on any device.

Simple Invoicing & Payments: You can create invoices, monitor payments, and send reminders to your customers when their bills are overdue. There is never an easier way of managing payments.

Easy Integration: TRIRID seamlessly integrates with all other business tools you might be using in your banking, payroll, and more, for keeping all the financial information in one place.

How TRIRID Saves You Time and Money

With automated processes and user-friendly tools, TRIRID Accounting and Billing Software cuts down the time spent in accounting tasks and reduces human error to a great extent. This enables you to do what really matters—growing your business. And by accurately recording and keeping up to date with taxes, you can avoid costly penalties that can add up fast.

Start Now with TRIRID Accounting Software

Got problems with your small business's accounting? TRIRID Accounting and Billing Software provides free demo, so you will understand how our features work in your business before making that big step. Don't wait- start managing your business's finances the smart way today!

Call @ +91 8980010210 / +91 9023134246

Visit @ https://tririd.com/tririd-biz-gst-billing-accounting-software

[manasrajwadkar]

Demystifying Insurance: Your Guide to Understanding and Choosing the Right Policy

Insurance can seem like a complex and overwhelming topic. Terms like deductibles, premiums, and exclusions get thrown around, leaving you unsure of what you actually need. But fear not! This blog is here to break down the basics of insurance policies, empowering you to make informed decisions for your financial well-being.

What is Insurance?

In simple terms, insurance is a risk management tool. You pay a regular premium (a set amount of money) to an insurance company in exchange for financial protection against specific risks. If an unforeseen event covered by your policy occurs, the insurance company compensates you for the loss, either through a lump sum payment, repair costs, or covered medical bills.

Here's an analogy: Think of insurance like an umbrella. You carry it most days, even when the sun is shining, because you know there's a chance of rain. Similarly, you pay for insurance even if nothing happens, because it provides peace of mind and protects you from financial devastation in case of an unexpected loss.

Types of Insurance Policies:

Insurance comes in many flavors, each catering to different needs. Here's a breakdown of some common types:

Life Insurance: This policy pays a death benefit to your beneficiaries (designated loved ones) if you pass away during the policy term. It comes in various forms, such as term life (coverage for a specific period) and whole life (coverage for your entire lifetime, with a cash value component).

Health Insurance: This policy helps cover medical expenses incurred due to illness, injury, or hospitalization. It can be individual, group (through an employer), or government-sponsored (like Medicare).

Auto Insurance: This is mandatory in most places and covers damage to your vehicle or another person's property and injuries caused by your car. It typically consists of liability, collision, and comprehensive coverage.

Homeowners Insurance: This insurance policy protects your home and its contents from damage caused by fire, theft, weather events, and other covered perils. Additional coverage for liability and personal belongings is often included.

Renters Insurance: Even if you don't own your home, you need protection for your belongings. Renters insurance covers damage to your possessions and provides liability coverage in case someone gets injured in your rental.

Key Insurance Policy Terms:

Premium: The amount you pay regularly to maintain your insurance coverage.

Deductible: The amount you have to pay out-of-pocket before the insurance company starts covering the cost of a claim.

Coverage Limit: The maximum amount the insurance company will pay for a covered loss.

Exclusions: Events or situations not covered by the policy.

Policy Term: The length of time your insurance coverage remains active.

Beneficiary: The person or entity who receives the payout if a claim is filed.

Choosing the Right Insurance:

Now that you understand the basics, let's delve into how to choose the right insurance policy. Here are some crucial steps:

Identify your needs: Analyze your current life situation and potential risks. Are you single, married, with a family? Do you own a home or rent? What are your health concerns? Understanding your needs will guide your choice of insurance type and coverage amount.

Shop around: Don't settle for the first offer you come across. Get quotes from multiple insurance companies and compare premiums, coverage details, and deductibles.

Read the fine print: Carefully review the policy wording, exclusions, and limitations. Ensure you understand what is and isn't covered before signing on the dotted line.

Ask questions: Don't hesitate to ask your insurance agent or broker to clarify any doubts you have. A good insurance professional should be able to explain the policy terms and answer your questions in a clear and concise manner.

Consider your budget: Be realistic about what you can afford in terms of premiums. Striking a balance between getting adequate coverage and keeping your premiums within budget is crucial.

Additional Tips:

Review your policies regularly: As your life circumstances change, your insurance needs might evolve as well. Regularly review your policies and adjust coverage limits or deductibles as needed.

Maintain a good claims history: Filing fewer claims can lead to lower premiums in the future.

Bundle your policies: Some insurance companies offer discounts if you bundle multiple policies, like home and auto insurance, with them.

Conclusion:

Insurance is an essential tool for financial security. By understanding the different types of policies, key terms, and choosing the right coverage based on your needs, you can ensure you and your loved ones are protected from unexpected financial burdens. Remember, knowledge is power, and understanding insurance empowers you to make

[maxwall]

 Fast & Secure Web Hosting

You're looking for a great, low-cost web hosting provider, and you've come across Hostinger. They offer some of the best prices in the business, but is it too good to be true? Will you actually get the service and support you need?

In this review, we'll take an in-depth look at everything Hostinger has to offer. We'll examine their features, pricing, support, and more to help you decide if they're the right web hosting provider for you.

Introduction: What Is Hostinger and What Does It Offer?

So what is Hostinger, and what does it offer? In a nutshell, Hostinger is a web hosting provider that offers very low-priced plans, as well as a wide range of features. For example, you can use Hostinger to host a single website or multiple websites, and you can choose from a variety of different plan options.

Hostinger also offers a wide range of features, including unlimited storage space and bandwidth, as well as a free domain name. Plus, Hostinger has more than 900 free applications that you can use to create your website. And if you need help getting started, Hostinger offers 24/7 customer support.

Pricing and Plans: What Are the Different Options Available and How Much Do They Cost?

Hostinger offers a variety of pricing plans and options, so you can find one that perfectly suits your needs. Let's take a look at the different plans they have available.

There are three basic plans to choose from: Starter, Advanced, and Business. All of these plans offer unlimited storage space and bandwidth, as well as a free domain name for the first year. The main difference is in the number of websites you can host and the features you get access to.

For example, the Business plan includes a private SSL certificate, priority support, and a Dedicated IP address. If you need more than one website, then the Advanced plan is a better choice. It allows for an unlimited number of websites to be hosted and comes with additional features like malware removal and site staging.

If you're on a tight budget, then the Starter plan is definitely a great option. It's perfect for small businesses or bloggers who are just starting out.

Features: An Overview of Hostinger's Features and How They Benefit Users

So what do you get when you choose Hostinger as your web hosting provider?Well, for starters, Hostinger offers some great features that can benefit users in a big way. Here's a quick overview

1. You get a free domain name for one year when you sign up for a hosting plan. This is a great way to get started quickly and save some money on registration fees

2. Hostinger offers unlimited storage and bandwidth so you can grow your website without having to worry about running out of space or hitting your monthly limit.

3. You get a free SSL certificate to encrypt your website traffic and keep your data safe from hackers.

4. Hostinger's cPanel makes it easy to manage your website files and settings with just a few clicks.

5. Hostinger's support team is available 24/7 through live chat, email, and phone so you can get help fast when you need it.

Ease of Use: A Look at How Easy It Is to Use Hostinger's Interface and Tools

When you're looking for a web hosting provider, one of the most important things to consider is ease of use. After all, you don't want to be struggling with a complicated interface and tools that are difficult to figure out.

Hostinger is one of the easiest providers I've used. Their interface is simple and straightforward, and their tools are easy to navigate. You don't need any special skills or know-how to get started. In fact, I'd say that even a beginner could easily get up and running with Hostinger.

Their customer support is also top-notch. If you ever have any questions or need help with anything, their team is more than happy to step in and lend a hand

Customer Support: A Review of Hostinger's Customer Support Offering

When it comes to Hostinger's customer support, we were impressed. In particular, their team was able to help us out quickly and effectively when we needed it.

We contacted them via email and Live Chat, and both times we received a response within minutes. Their Live Chat support is particularly impressive—they have a team of agents who are available 24/7, which is great news if you're having problems at midnight.

Overall, we were happy with Hostinger's customer support offering and would recommend it to anyone looking for a budget-friendly web hosting option.

[itssolved10]

CRM VS ERP: Know The Difference And Choose Wisely

In the fast-paced world of business technology, terms like CRM (Customer Relationship Management) and ERP (Enterprise Resource Planning) are frequently thrown around. But what do these systems do, and how are they different? Let's embark on a journey to demystify CRM vs ERP by breaking down their complexities into everyday language.

CRM - Customer Relationship Management

Imagine a reliable assistant for your business that keeps a record of every interaction you have with your customers. Initially designed for sales teams, CRM has evolved to assist with customer service and marketing as well. Picture it as a digital notepad where every piece of information about your customers and their connections with your company is neatly organised.

For instance, when a salesperson goes to meet a customer, the CRM system can quickly tell them if that customer has any unresolved issues. Similarly, customer service teams can swiftly identify if a caller is a valuable customer or someone who might become one and direct them to the right support team.

ERP - Enterprise Resource Planning

Now, envision an ERP system as the control centre of your business, much like the motherboard of a computer connecting all essential parts. ERP holds all your financial and operational information, from budgeting and payrolls to inventory management and order processing. It's like a colossal digital filing cabinet that holds everything your company needs to function smoothly.

When a business uses ERP, it can generate reports effortlessly. You don't need IT experts or finance gurus to crunch numbers for you. This feature enables businesses to make faster, data-driven decisions, which can lead to increased profits, greater efficiency, and better overall performance.

Benefits of CRM vs ERP

CRM benefits:

Deliver Better Customer Service: No more long waits or repeating yourself. CRM system keeps all customer info in one place for faster, smoother service.

Boost Productivity: CRM automates tasks and makes communication easier, so your team can focus on important work.

Gain Valuable Insights: It collects data on customers, helping you understand them better and make smarter decisions.

Increase Customer Loyalty and Sales: By using all this data, you can build stronger relationships with customers and sell more effectively.

In a nutshell, CRM is your tool for happier customers and more sales!

ERP Benefits

Data Organiser: ERP system gathers all company data in one place, making it easy to find.

Time Saver: It automates tasks, saving time and reducing errors.

Money Saver: ERP stops duplicate work and lowers costs.

Speeds Things Up: Helps deliver products faster.

Smart Decisions: Provides clear information for better choices.

Team Player: Encourages teamwork between departments.

Security Guard: Keeps sensitive data safe.

ERP is like a helpful assistant that boosts efficiency, saves money, and improves teamwork for businesses.

Why Do You Need CRM?

Imagine you're a personal trainer with a bustling fitness studio. You have a diverse group of clients, each with their own unique fitness goals and workout preferences. Some prefer cardio, while others love lifting weights. You want to keep track of their progress, remember their workout schedules, and even send them motivating messages when they hit milestones. That's where the CRM system comes in.

It's like your fitness buddy who helps you manage all this information. It allows you to create personalised workout plans, set reminders for follow-up sessions, and keep tabs on your clients' achievements. In a nutshell, CRM is your secret weapon for building stronger connections with your clients, helping them reach their fitness goals, and growing your fitness business.

Why Do You Need ERP?

In the modern business landscape, managing and optimising internal processes is crucial for achieving operational efficiency and competitiveness. This is where Enterprise Resource Planning (ERP) systems come into action. ERP software integrates various functions and departments within an organisation, such as finance, human resources, supply chain, manufacturing, and more, into a unified platform. This integration streamlines data flow, reduces manual data entry and errors, and enhances decision-making capabilities. ERP systems provide real-time visibility into critical business metrics, enabling leaders to make informed strategic decisions.

Furthermore, they help organisations respond more effectively to market changes and evolving customer demands by providing a holistic view of the entire operation. Overall, CRM helps you understand your customer while ERP is indispensable for businesses seeking to optimise resource allocation, reduce operational costs, and remain agile in a rapidly evolving business landscape.

Why Do You Need Both?

As a company grows, it often finds that it needs both CRM vs ERP systems. Small businesses might start with just one, depending on their immediate needs. If your company has a small customer base but complex financial operations, you might choose ERP first. On the other hand, if you have numerous customers to manage, CRM systems could be your starting point. However, most businesses eventually realise that having both systems is essential to run their operations smoothly.

How They're Similar

CRM vs ERP are like two close relatives in the software family. They both operate as large digital databases that store and analyse data. You can choose to install software on your computers or access them through the internet (cloud), depending on what suits your needs best.

Integration

When you use both CRM and ERP, they must communicate effectively, like two friends sharing stories. This synergy between CRM and ERP, often referred to as CRM vs ERP, is crucial for seamless business operations. For instance, a salesperson might need to know if a customer has paid their bills before offering them new products or services. So, these systems must work together seamlessly. Some software vendors make this process easy by offering pre-built connections.

Challenges of Integrating CRM and ERP

Technical Complexity: Combining two complicated systems can be tricky from a technical standpoint. Think of it like trying to merge two intricate puzzles.

Cost: The process of integrating these systems can be quite expensive, akin to making a substantial investment.

Data Quality: To make the most of the integration, the information in both systems needs to be accurate and top-notch, just like having high-quality ingredients for a recipe.

Change Management: Integrating CRM vs ERP systems may require altering how your business operates. It's like shifting the gears in a car; it can be challenging but necessary for a smoother ride.

If you're curious about how CRM integration works, you can simply click here to read our informative article. It'll explain the process in an easy-to-understand way, so you can get a clear picture of what it's all about.

Companies are making $1.1 trillion using AI in customer relationship management (CRM) software, according to Salesforce. CRM software now relies heavily on AI for tasks like automation, email marketing, and contact management. This massive trend is a game-changer.

Choosing the Right CRM vs ERP System

Your Business Needs: First, consider what your business specifically needs in terms of managing customer relationships or resources. Think about what tools will suit your business best.

Your Budget: Determine how much you're willing to spend. Think of it like budgeting for a home improvement project; you need to know what you can afford is one of the biggest deciding factors in choosing between CRM vs ERP.

Your Technical Abilities: Do you or your team have the know-how to set up and maintain the system? Think of it as deciding whether you can build something on your own or if you need to hire a pro.

Company Culture: Be open to changing the way your business operates, like adapting to a new recipe in your kitchen. Some changes may be needed to make everything work seamlessly.

Implementing a CRM vs ERP System

Requirements Gathering: Start by identifying the specific needs your CRM or ERP system should address, like making a shopping list before heading to the grocery store.

System Selection: Choose the right CRM or ERP system that matches your needs, like picking the right tool for the job.

System Configuration: Customise the system to fit your requirements, similar to adjusting your car's settings for a comfortable ride.

Data Migration: Move your data from your old system to the new one, just like moving your belongings when you change houses.

Training: Train your employees on how to use the CRM or ERP system, much like teaching them how to operate a new appliance in your home.

Support: Offer ongoing support to your employees as they use the CRM vs ERP system, similar to assisting when someone learns to use a new gadget.

Ongoing costs of a CRM vs ERP system

Software Licensing Fees: You'll need to pay for the right to use the CRM or ERP software, like paying for a subscription to a streaming service.

Implementation Costs: The initial setup and integration can be costly, similar to the expenses involved in setting up a new business location.

Maintenance Costs: Regular upkeep and support for the CRM or ERP system come with ongoing expenses, akin to maintaining a vehicle over time.

Training Costs: Investing in training for your employees is essential, just like sending your team for workshops or courses to keep their skills sharp.

Integrating CRM and ERP systems can be complex and costly, but with the right planning, it can greatly benefit your business, much like renovating your home to improve its functionality and value.

Conclusion

CRM is all about taking good care of your customers, while ERP helps keep your finances and operations running smoothly.

Now, when you're starting out, you might use one of these systems that fits your needs best. But as your business grows, you'll often find that the choice between CRM vs ERP is like having some important pieces of tech to succeed in a tough market.

Here at IT Solutions Solved, we're experts in this stuff, and we can help your business grow using CRM and ERP. It's like having a guide to show you the way.

So, if you want to see how well your current CRM system is working, just click here for a free CRM checkup. We'll give you tips on how to make it even better. And guess what? We're offering a free 45-minute consulting session with our experts to discuss how CRM vs ERP can help your specific business. No strings attached!

Just think of us as your friendly helpers in the world of business tech. We're here to make your life easier and your business better. Get in touch today, and let's talk about how ERP and CRM can give you the edge you need to succeed.

Thanks for taking the time to read about how CRM and ERP can boost your business! We're here to help you every step of the way.

Looking forward to helping your business thrive. Talk to you soon!