#water utility: subscription

[endreal]

I truly fail to see what the difference is between a subscription and a bill except for successful marketing.

[dianight]

---

* Subscription based services includes but is not limited to access to news outlets, music/video players, videogames and other such things. Roughly speaking, those services considered not essential.

It does not include rent, water or other utilities, nor phone/internet usage.

[theambitiouswoman]

Like it or not, you’re in a relationship with anything that takes up your time, thoughts, and energy— and that includes money. In fact, the two longest relationships you’ll have are with yourself and with money. Both of these relationships affect how you live & your relationship with money doesn’t have to be stressful.

Think about how you feel about money. Do you see it as hard to get or something that flows easily to you What do you want your money to do for you? Save for a trip? Buy a home? Setting specific goals gives you direction.

A budget is just a plan for your money. It helps you see where it’s going and where you can make better choices. Focus on what you already have instead of what you don’t. Gratitude can help you feel more abundant.

Create a budget and write down all of your expenses. Most people don’t know where their money goes because they dont take into account their pleasure purchases. Put some money aside for yourself before paying for other things. It’s a simple way to build up your savings. If you have debt, make a plan to pay it off. Start with the high interest ones first.

Don’t fear money. See it as a tool that can come and go. Believe that you can always create more. Share what you can, even if it’s a small amount. It helps you feel more connected to abundance. The more you complain about not having, the less you will continue to have. You have to learn how to think abundantly.

You can downloads any of these apps:

Mint

YNAB (You Need a Budget)

PocketGuard

Goodbudget

Undebt.it

Honeydue

Personal Capital

EveryDollar

———————————

Alternatively, here’s a templare you can copy and paste:

1. Income

• Primary Income: $_________

• Side Income: $_________

• Other Income (e.g., investments, bonuses): $_________

Total Income: $_________

2. Fixed Expenses

(Expenses that stay the same each month)

• Rent/Mortgage: $_________

• Utilities (Electricity, Water, Gas): $_________

• Internet/Phone: $_________

• Insurance (Health, Car, Home): $_________

• Debt Payments (Loans, Credit Cards): $_________

• Subscriptions (Streaming, Gym, etc.): $_________

Total Fixed Expenses: $_________

3. Variable Expenses

(Expenses that can change each month)

• Groceries: $_________

• Transportation (Gas, Public Transit, etc.): $_________

• Eating Out/Entertainment: $_________

• Shopping (Clothes, Household Items): $_________

• Personal Care (Skincare, Haircuts): $_________

• Miscellaneous: $_________

Total Variable Expenses: $_________

4. Savings and Investments

• Emergency Fund: $_________

• Retirement (401k, IRA, etc.): $_________

• Investments: $_________

• Specific Savings Goals (Travel, Home, etc.): $_________

Total Savings/Investments: $_________

5. Giving

(Donations, gifts, tithing, etc.)

• Charities/Donations: $_________

• Gifts: $_________

Total Giving: $_________

6. Summary

• Total Income: $_________

• Total Expenses (Fixed + Variable): $_________

• Total Savings/Investments: $_________

• Remaining Balance: $_________

[usedpidemo]

March Update - the end...?

Hi everyone, π here! 

Hope everyone has a wonderful start to their year already and is doing well. 🙂

This update comes from rather uncertain times right now, so please bear with me.

—————

Commissions Update:

Request Link

I’ve gotten a handful of inquiries asking me for fics in the high 20 to 30k word count range, and while not a single deal has been put to paper, it does mean there is a demand, so I have introduced 3 new commission tiers to cater to said requests. So for those of you wanting me to write a grandiose epic, here's your opportunity! Please bear mind that many of my rules when commissioning a fic still apply, so please read this post first and message me privately before ordering.

With that said, I have the executive decision to adjust pricing to the current available tiers. Previously ordered commissions prior to the change will not be affected in any way. I understand that the price jump might seem a bit much, but please understand that I’m also juggling with plenty of stuff right now—from college to IRL stuff in-between writing fics. There’s a lot of commitment into putting out a work, so please understand. I’m trying my best to stay sane in the meantime.

And speaking of personal issues—

The future of this account:

I wish I could tell you that everything’s fine on our side, but the reality is far grimmer than I’d like you to believe.

The family shop we’ve been running for almost 3 years closed down back in late February. The reasoning being that there’s a big renovation of the mall our shop is based in, specifically a parking and walkway extension connecting the current shopping mall with a new one that will open sometime in 2028-2029. Previously they closed off the parking, now they've decided to close off the entire stretch where our shop lies in as well. So yes, the corporate overlords forced us out of a job and livelihood with no compensation whatsoever. 

This has put us in a severe financial bind. We’re currently going through a bit of a corporate and brand restructuring, already in talks about setting up shop elsewhere. But the lack of a monthly income has begun to chip heavily into our monthly utilities and expenses. Basic necessities seem like a huge expense. Already lost electricity and water twice because we couldn’t pay on time. We’re literally just surviving day to day, only enough to get by, but just barely. Thank God we’re all perfectly healthy, but I can only imagine having to bear medical expenses as well.

In short, worst case scenario, we get financially buried, and this account is killed in the process. Not because I wanted to leave or retire—far from it—but because of circumstances beyond our control. It would be a damn shame because even four years on, I still really love writing and in a way, it’s become a lifeline for me. Met so many friends, got to experience my first events, and made unforgettable memories that I would gladly redo in another lifetime when given the chance. It may not seem apparent, given our current predicament, I’m barely hanging on—emotionally, mentally, and spiritually. It's hard to remain positive when all you see around you is darkness and uncertainty.

But I’m not gonna give up. Any little thing I can provide for my family, I’ll do the best I can. I know this is only temporary, a minor setback, but faith needs some action as well.

Of course, I also understand that most of you are probably reading me because it’s entertainment and a form of escape from your own respective troubles, so I won’t beg, force you to feel sorry for us, or paywall my content. Anything I write and release publicly will remain freely available in some capacity, but I also have to look out for myself during these uncertain times. I may consider doing a monthly based subscription/memberships where I can chat with you through a private Discord and give previews to upcoming work, but I don’t know if that’s worth anything, so commissions will make do for now. But if you feel obliged and compelled, any amount/form of donation will be graciously accepted. Hell, even a reblog or repost to spread the word is more than enough to help greatly.

To leave on a more positive note, I should have two releases in the coming weeks, so please look forward to that. If it hasn’t been made any clear, your continuous support is one of the few positive things I can celebrate right now, and I sincerely appreciate each and every one of you. Thank you for sticking through both great and hard times.

With grace,

Peter / π

[galaxygolfergirl]

Watcher's Expenses

I didn't major in accounting: I took three classes and it grinded my brain to a fine powder. However, after graduating with a business admin degree, being a former eager fan of their videos, and from a cursory glance over their socials, there's a lot to consider in their spending behavior that really could start racking up costs. Some of these things we've already noticed, but there are other things I'd like to highlight, and I'll try to break it down into the different categories of accounting expenses (if I get something wrong, let me know. I was more concentrated in marketing 🤷‍♀️). I'm not going to hypothesize numbers either, as that would take out more time than I'm willing to afford-- you can assume how much everything costs. Anyways, here's my attempt at being a layman forensic accountant:

Note: All of this is assuming they're operating above board and not engaging in any illegal practices such as money laundering, tax evasion, not paying rent, etc.

Operating Expenses

Payroll: 25+ staff salaries and insurance

Overhead Expenses

CEO/founder salaries

Office space leasing or rent (In L.A, one of the most expensive cities in the US)

Utilities (water, electricity, heating, sanitation, etc.)

Insurance

Advertising Costs

Telephone & Internet service

Cloud Storage or mainframe

Office equipment (furniture, computers, printers, etc.)

Office supplies (paper, pens, printer ink, etc.)

Marketing costs (Social media marketing on Instagram, Youtube, SEO for search engines, Twitter, etc. Designing merchandise and posters, art, etc. )

Human Resources (not sure how equipped they are)

Accounting fees

Property taxes

Legal fees

Licensing fees

Website maintenance (For Watchertv.com, Watcherstuff.com, & Watcherentertainment.com)

Expenses regarding merchandising (whoever they contract or outsource for that)

Inventory costs

Potentially maintenance of company vehicles

Subsequent gas mileage for road trips

Depreciation (pertains to tangible assets like buildings and equipment)

Amortization (intangible assets such as patents and trademarks)

Overhead Travel and Entertainment Costs (I think one of the biggest culprits, evident in their videos and posts)

The travel expenses (flights, train trips, rental cars, etc. For main team and scouts)

Hotel expenses for 7-8 people at least, or potentially more

Breakfasts, lunches and dinners with the crew (whether that's fully on their dime or not, I don't know; Ryan stated they like to cover that for the most part)

Recreational activities (vacation destinations, amusement parks, sporting activities etc.)

The location fees

Extraneous Overhead costs (not sure exactly where these fall under, but another culprit, evident in videos and posts)

Paying for guest appearances

Expensive filming & recording equipment (Cameras, sound equipment, editing software subscriptions, etc.)

The overelaborate sets for Ghost files, Mystery Files, Puppet History, Podcasts etc. (Set dressing: Vintage memorabilia, antiquated tech, vintage furniture, props, etc.)

Kitchen & Cooking supplies/equipment

Office food supply; expensive food and drink purchases for videos

Novelty items or miscellaneous purchases (ex. Ghost hunting equipment, outfits, toys, etc.)

Non-Operating Expenses

These are those expenses that cannot be linked back to operating revenue. One of the most common examples of non-operating expenses is interest expense. This is because while interest is the cost of borrowing money from a creditor or a bank, they are not generating any operating income. This makes interest payments a part of non-operating expenses.

Financial Expenses

Potential loan payments, borrowing from creditors or lenders, bank loans, etc.

Variable Expenses

Hiring a large amount of freelancers, overtime expenditure, commissions, etc.

PR consultations (Not sure if they had this before the scandal)

Extraordinary Expenses

Expenses incurred outside your company’s regular business activities and during a large one-time event or transactions. For example, selling land, disposal of a significant asset, laying off of your employees, unexpected machine repairing or replacement, etc.

Accrued Expenses

When your business has incurred an expense but not yet paid for it.

------------------------------------------------------------------------------------------------------------------------

(If there's anything else I'm missing, please feel free to add or correct things)

To a novice or a young entrepreneur, this can be very intimidating if you don't have the education or the support to manage it properly. I know it intimidates the hell out of me and I'm still having to fill in the gaps (again, if I've mislabeled or gotten anything wrong here, please let me know). For the artistic or creative entrepreneur, it can be even harder to reconcile the extent of your creative passions with your ability to operate and scale your business at a sustainable rate. That can lead to irresponsible, selfish, and impulsive decisions that could irreparably harm your brand, which is a whole other beast of its own.

My guess at this point is that their overhead and operation expenses are woefully mismanaged; they've made way too many extraneous purchases, and that they had too much confidence in their audience of formerly 2.93 million to make up for the expenses they failed to cover.

It almost seems as if their internal logic was, "If we make more money, we can keep living the expensive lifestyle that we want and make whatever we want without anyone telling us we can't, and we want to do it NOW, sooner rather than later because we don't want wait and compromise our vision." But as you can see, the reality of fulfilling those ambitions is already compromised by the responsibility of running a business.

And I wrote this in another post here, but I'll state it again: Running a business means you need to be educated on how a business can successfully and efficiently operate. Accounting, marketing, social media marketing, public relations, production, etc; these resources and internet of things is available and at your disposal. If they had invested more time in educating themselves on those aspects and not made this decision based on artistic passion (and/or greed), they would have not gotten the response they got.

Being a graphic designer, I know the creative/passionate side of things but I also got a degree/got educated in business because I wanted to understand how to start a company and run it successfully. If they’re having trouble handling the responsibility of doing that, managing production costs, managing overhead expenses, and especially with compensating their 25+ employees, then they should hire professionals that are sympathetic to their creative interests, but have the education and experience to reign in bad decisions like these.

Anyways, thanks for coming to my TedTalk. What a shitshow this has been.

[choppedtacodream]

Stop Wasting Money! The ONE Budgeting Trick That Actually Works

Are you tired of feeling like your money slips through your fingers? Do you constantly wonder where it all went at the end of the month? You're not alone. Many people struggle with budgeting, often because they try complex systems that are difficult to maintain. But what if there was a simple, effective budgeting trick that actually works? There is! It's called the 50/30/20 budget, and it might just be the key to finally taking control of your finances.

[Include an image here of someone looking stressed about bills or money, or a graphic representing money slipping through fingers. A simple image of a budget pie chart would also work well.]

This method, popularized by Senator Elizabeth Warren and her daughter Amelia Warren Tyagi in their book "All Your Worth: The Ultimate Lifetime Money Plan," 1 simplifies budgeting by categorizing your spending into three main buckets:   

1. Needs (50%): These are your essential expenses – the things you absolutely must pay for. Think:

Housing: Rent or mortgage payments, property taxes, homeowner's insurance

Utilities: Electricity, gas, water, internet, phone bills

Transportation: Car payments, gas, public transportation fares, car insurance

Groceries: Food and household supplies

Healthcare: Insurance premiums, doctor visits, prescriptions

Minimum Debt Payments: Monthly payments on credit cards, student loans, etc. (Only the minimums are included here; extra payments go into the "Wants" or "Savings" categories)

2. Wants (30%): This category covers your discretionary spending – the things you enjoy but aren't essential. This is where you have the most flexibility to cut back if needed. Examples include:

Dining Out: Restaurant meals, takeout coffee

Entertainment: Movies, concerts, streaming subscriptions

Hobbies: Gym memberships, craft supplies, sports leagues

Clothing: Non-essential purchases

Travel: Vacations, weekend getaways

Gifts: Presents for birthdays and holidays

[Include an image here of someone enjoying a "want" – maybe dining out, on vacation, or enjoying a hobby.]

3. Savings & Debt Repayment (20%): This is crucial for your financial future. It includes:

Emergency Fund: Building a cushion for unexpected expenses (job loss, medical bills, car repairs)

Retirement Savings: Contributing to your 401(k), IRA, or other retirement accounts

Debt Repayment (Beyond Minimums): Paying down credit card debt, student loans, or other high-interest debt aggressively

Investments: Investing in stocks, bonds, or other assets

Savings Goals: Saving for a down payment on a house, a new car, or other long-term goals

[Include an image here representing savings goals – maybe a piggy bank, a house, or a graduation cap.]

How to Make the 50/30/20 Budget Work for You:

Calculate Your Net Income: Determine your take-home pay after taxes and other deductions.

Categorize Your Spending: Track your expenses for a month or two to see where your money is currently going. Use budgeting apps, spreadsheets, or even a notebook to monitor your spending in each category.

Allocate Your Income: Based on your net income, calculate how much you should be spending in each category (50%, 30%, 20%).

Adjust as Needed: The 50/30/20 rule is a guideline, not a strict law. You may need to adjust the percentages based on your individual circumstances and financial goals. For example, if you live in a high-cost-of-living area, you might need to allocate a larger percentage to needs.

Track and Review: Regularly monitor your spending to ensure you're staying within your budget. Review your progress monthly and make adjustments as needed.

Benefits of the 50/30/20 Budget:

Simplicity: It's easy to understand and implement.

Flexibility: It allows for adjustments based on individual needs.

Focus on Goals: It encourages saving and debt repayment.

Awareness: It helps you understand where your money is going.

Challenges and How to Overcome Them:

Tracking Expenses: Consistently tracking your spending can be challenging. Use budgeting apps or link your bank accounts to make it easier.

Sticking to the Budget: It can be tempting to overspend in the "Wants" category. Be mindful of your spending habits and prioritize your financial goals.

Unexpected Expenses: Life throws curveballs. Having an emergency fund is crucial for handling unexpected costs without derailing your budget.

Conclusion:

The 50/30/20 budget is a powerful tool for gaining control of your finances. Its simplicity and flexibility make it a sustainable approach to budgeting, allowing you to meet your needs, enjoy your wants, and achieve your financial goals. So, stop wasting money and give this budgeting trick a try. You might be surprised at how much of a difference it can make!

[eroticcannibal]

Re: The USA economy being so fucked that $65k a year isn't enough to live comfortably in most of the country: Part of it is that the pound is stronger than the dollar - $65k is more like £50k. That's still a lot of money! But not only is our healthcare ABSURDLY expensive (we're required by law to have health insurance. I have very inexpensive health insurance that covers basically nothing AND a government subsidy to help pay for it. I am paying $680 out of pocket per month. I still have to pay for every single doctor visit and prescription unless I spent UPWARDS of $10,000 in a single year, at which point the insurance actually kicks in and pays for 70% of further expenses. A quick routine check-up with no labwork or prescriptions costs $60 at the cheapest clinic within driving distance. The healthcare situation really is as cartoonish as you can imagine.) our rent is also ridiculous. I am living in a moderate sized city in a studio apartment (no separation between bedroom/living room/kitchen, just a difference in floor tiles to indicate the kitchen and then a bathroom is only other actual room) that is on the lower end of middle-of-the-road. My rent is $2,100 per month. That doesn't include utilities, which are usually around $200 per month for water and power, and then another $70 for my cellphone (which is also my internet connection, because my celular data plan may be slow but it's also unlimited, and a basic subscription to internet for the apartment starts at $65 a month for 20GB of usage and I just can't afford that). I'm not sure what the cost of living is in the U.K. right now. I know you're having a rough time with gas/electricity costs for sure. But here in the US, healthcare and rent are what's eating the majority of our wages at an unsustainable rate.

I mean that rent sounds still too much because fuck landlords but otherwise pretty reasonable compared to the prices I hear over here, those utilities are super low! Pretty high for ur phone and Internet tho.

That healthcare cost is mad tho. And you all need better public transport that would save you a ton.

[lacefuneral]

OFMD is dead in the water. that show is not coming back

but! we can appreciate the show that we have. and the fanworks. and the art. and the BTS we've received from samba and other cast + crew

my assumption is that Max was professionally embarrassed by the renewal campaign and the amount of backlash from the fandom and have dug their talons into the IP. essentially, refusing to let it go so another corporation cannot profit off of it. but making no effort to actually utilize the IP

or even enforce copyright/trademark, i think. because merch & art are freely bought and sold. i don't use youtube but i see clips of the show on there so i assume they aren't getting DMCA'd

i know we want to Believe because Other Shows have Been Saved but the wheel of unsustainable exponential growth based capitalism turns and turns and we are at a point in television history where the enshittification has never been this severe

it is much more financially lucrative to make a new show, let it stream for a bit, and take it off the air as tax write-off. and especially post strike, when there's more protections for writers and actors? more residuals? it's far less likely for written television to be made, more likely for unscripted/low scripted reality TV. and money is to be made in hiking up costs, in forcing you to watch ads, in making streaming user-hostile.

it costs money to make official merch it costs money to host shows online it costs money to produce DVDs and blurays. it's jobs and labor and materials and distribution

and consumers hate... literally every aspect of this. why are our shows being canceled? why can't we physically own our media? why can't we have official merch? why are subscriptions so expensive? why are you forcing ads on us?

the industry is going to collapse entirely. the process has already started. something is going to give, and the streaming companies are going to hemorrhage money

something will emerge from the rubble. eventually. hopefully it's good. hopefully it isn't AI.

[my3sonsmoving]

How do you plan an out of state move in 2024?

Planning an out-of-state move can be a complex and stressful process, but with careful planning and organization, you can ensure a smooth transition. Here’s a comprehensive guide to help you begin:

Research Your New Location:

Cost of Living: Begin by comparing the cost of living between your current state and the new one. This includes housing, groceries, utilities, and taxes. Websites like Numbeo can provide detailed comparisons.

Housing: Look into neighborhoods, housing prices, and rental options. Consider factors such as proximity to work, safety, amenities, and school quality if you have children. Online platforms like Zillow and Realtor.com are excellent resources.

Job Market: Investigate job opportunities and the local economy. Sites like Indeed and LinkedIn can help you understand the job market and connect with potential employers.

Lifestyle: Consider the climate, local amenities, schools, and community culture. Explore forums, social media groups, and local news sites to get a feel for the area.

Budgeting:

Moving Costs: Get estimates from moving companies or calculate costs if you plan to move yourself. Include packing materials, transportation, and potential storage fees. Companies like U-Haul provide cost calculators for DIY moves.

Travel Expenses: Budget for gas, flights, hotels, and meals if you’re driving. Websites like GasBuddy can help estimate fuel costs, and travel sites can assist with finding affordable accommodation.

Initial Setup: Plan for deposits, initial rent, utility setup, and any immediate purchases needed upon arrival.

Create a Moving Timeline:

Plan Ahead: Start planning 2–3 months in advance to avoid last-minute stress.

Checklist: Develop a detailed checklist of tasks to be completed each week leading up to the move. This should include everything from hiring movers to packing specific rooms.

Hiring Movers vs. DIY

Consider hiring professional movers by researching and selecting a reputable moving company. Check reviews on sites like Yelp and get multiple quotes to compare prices and services.

DIY Move: 

If you decide to move yourself, rent a truck, recruit friends and family, and plan the logistics of driving and unloading. Ensure you have the necessary equipment like dollies and moving blankets.

Declutter and Organize:

Inventory: Take an inventory of your belongings. This helps in estimating moving costs and ensuring nothing gets lost.

Declutter: Sell, donate, or discard items you don’t need. This reduces the volume of items to move and can save money.

Organize: Label boxes clearly by room and content. Use a color-coded system or numbered labels to simplify unpacking.

Update Your Information:

Address Change: Update your address with the postal service, banks, subscription services, and any other relevant parties.

Utilities and Services: Arrange for the disconnection of utilities at your current home and setup at your new home. Ensure you transfer internet, cable, water, and electricity services in time.

Licenses and Registrations: Update your driver’s license, vehicle registration, and voter registration as soon as possible after your move.

Pack Strategically:

Essentials Box: Pack a box of essentials for the first few days, including clothes, toiletries, important documents, and basic kitchen items.

Fragile Items: Pack fragile items with care, using plenty of padding. Clearly label these boxes to ensure they are handled with care.

Room-by-Room: Pack one room at a time and label boxes accordingly. This method makes unpacking more manageable.

Travel Arrangements:

Transport Vehicles: Decide whether to drive your car(s) or have them shipped. Companies like Montway Auto Transport can assist with vehicle shipping.

Pets: Make arrangements for moving pets safely, including carriers, food, and necessary medications.

Accommodation: Book any necessary accommodation if the journey takes more than a day. Plan your route and make reservations in advance.

Settling In:

Unpacking: Start with essential areas like the kitchen and bedrooms to make your new home livable quickly.

Explore: Take time to explore your new neighborhood and meet your neighbors. Familiarize yourself with local grocery stores, pharmacies, and parks.

Emergency Contacts: Find and note down local emergency contacts, such as doctors, vets, and hospitals. Register with local healthcare providers as soon as possible.

Stay Organized:

Keep Records: Maintain a file with all moving-related documents, including contracts, receipts, and inventory lists. This helps in case of disputes or for future reference.

Backup Plans: Have contingency plans in case of delays or unexpected issues. This could include having extra funds for unforeseen expenses or knowing alternative routes.

By following these steps, you can ensure a more organized and less stressful out-of-state move. For personalized assistance with moving in the central Kentucky area, consider reaching out to My 3 Sons Moving and Storage Company.

[solitaria-fantasma]

.

((So the person renting my parents' attached in-law suit is supposedly leaving next month, and my parents 'offered' to have me move in after him as a stepping stone to true independence.

And I put 'offered' in quotes there because my mother had already started sourcing free furniture off of Facebook before I ever said yes (loveseats, console tables, lamps, rugs, etc.), and while I told them that I appreciate the gesture (three utilities included + a $200 concession on rent) I was still doing the math and reducing forgotten subscriptions and didn't know if I could afford it.

I now feel trapped because I have one month to commit and be ready to start paying or bail and start up a family-wide argument bc my sister thinks this is a good idea, too. I have no basis for what my water, AC, or power bills might be per month, I have to rework my gas and grocery estimates due to circumstances and new meds, and I'd have so little left at the end of the month that a single Problem like a car accident or a really bad cold that keeps me out of work longer than I have PTO for would come straight out of my savings.

I feel like I can't back out because my mother clearly wants me out of her space, but I also don't trust her to be my landlord. I've already spent years watching her enter other renter's buildings w/o the 24hr prior notice and come back complaining about how they decorated, how they do their laundry, how they organize, etc..She already does that to my face, but I don't want to live with the anxiety of imagining what she'll say to my dad behind my back, now.

I feel like I'm being set up to fail and have to come crawling back to my childhood bedroom in a year or two with slashed savings and shredded mental health, but I have no other options bc there are no other apartments within an hour's drive of my workplace that rent for anything less than $1576...and if I can barely afford my parents' in-law suite, I damn sure can't afford that.

[lorrainesletters]

The Battle of the Note-taking Apps - Who Will Come Out Victorious?

Review article by Mariz Lorraine | Edited 27 September 2023

Has the wave of digital notes have officially engulfed you and now you are stranded in the middle of a sea of note-taking apps? You convince yourself to do some research but take 2 scrolls on any social media app and you will then be recommended to choose either the free and Microsoft-based OneNote or the holy grail Goodnotes 5. As a loyal Goodnotes 5 user (buyer, let’s be frank) for 1 year now, I have some tea to spill about this blue app.

Key features

I, like many others, move to digital notes for a plethora of reasons, however nothing ever beats the feel of writing with pen and paper. Goodnotes 5 offers 4 types of pen styles that users can easily change with one tap of a button: Fountain pen, ball pen, brush pen, and highlighter.  Organizing notebooks and pages in Goodnotes 5 can also be done easily with folders and page outlines so that your math notes are easily distinguishable from your english notes. Notability, Goodnotes 5’s main competitor, on the other hand, has a revolutionary feature called “study tape” that allows you to cover certain key terms on your notes that can be opened with a tap so that you can easily revise them. Truthfully, you can do this in Goodnotes 5 with a highlighter and the eraser but it is not as convenient as Notability’s study tape. 

User-friendly

Just like most iOS apps, Goodnotes 5 is renowned for its user-friendliness. The easy-on-the-eye user interface combined with the easily tapped “New Notebook” or “Trash” buttons make the app superior to Microsoft OneNote’s hidden side tabs and dimmed pen options. Goodnotes 5 also offers tutorials and guides on how to maneuver the app when you just download it. 

Customizability

Despite being as plain as a sheet of paper when it comes to user interface, Goodnotes 5 is completely customizable when it comes to note-taking. A new notebook’s cover can be changed either by choosing between pre-made notebook covers or by uploading your own covers. For decoration aficionados, Goodnotes 5 allows you to import sticker packs and custom page templates. I utilize these stickers to avoid drawing benzene structures in chemistry and to add cute characters around my boring calculus notes. Yet Goodnotes 5’s customizability is still inferior to its younger sibling, Goodnotes 6. Goodnotes 6 offers full customizability of folder icons and colors on top of the customizability offerings of Goodnotes 5. However, if the default blue folder icon is fine for you, Goodnotes 5 is still the better option. 

Price

Unlimited access to Goodnotes 5 is priced at Rp.169,000 as a one-time cost for users. However, limited access to the app is free for all but users can only make up to 3 notebooks. Unlike Notability which is a subscription-based payment of Rp 89,000 monthly, Goodnotes 5’s one-time payment is better for users that want to test the waters first. 

Importing files

My personal favorite feature offered by Goodnotes 5 is the importing PDFs feature as it allows me to easily annotate my digital coursebooks and do past papers. Importing PDFs and annotating them in Goodnotes 5 is not just eco-friendly since you won’t have to print pages and pages of paper, but it is also much more convenient since you can easily erase, highlight, and move elements around. 

Exporting files

If you can share paper notes with your friends, you definitely can do so with digital notes as well. Users can easily share their notebooks to other Goodnotes 5 users to make it collaborative by sending them a short URL link or by sending an invitation to their email. But how about non-Goodnotes 5 users? Unfortunately you cannot have collaborative notebooks with non-Goodnotes 5 users but you can share PDF or JPEG versions through emails or messages. If you are like me and you are afraid of suddenly losing your files, Goodnotes 5 reassures us with the option to automatically backup your files to your preferred cloud between Google Drive, OneDrive and iCloud. 

Technological advancements

Shifting to digital notes is a sign that the world is becoming more tech-reliant and softwares like Goodnotes 5 have to keep on advancing to follow the status quo. Optical Character Recognition (or more known as OCR) was added to Goodnotes 5 in 2019, allowing people’s messy handwriting to be identifiable by the app when you look for a certain term. As recent as January of this year, Goodnotes 5 added the voice recording feature so you can easily take notes as well as record your teacher’s voice to listen back to when revising. This feature is shared by both Notability and Goodnotes 5 however OCR is a Goodnotes 5 exclusive, so if you are looking for the app with the nerdiest feature out there, Goodnotes 5 is for you. 

Conclusion

If you are confused about which note-taking app to use and are just looking for something easy-to-use and simple, Goodnotes 5 is definitely the best option for you. Its many pen types, countless premade page templates, unlimited storage, and the ability to import and annotate PDFs are the key points for beginners in the digital note space. Its similarity to physical note-taking with the many pen types and page sizes also make the shift from pen-and-paper notes to screen-and-stylus notes a lot easier. 

[alarajrogers]

I don't even understand the whiner's logic up above. Utilities aren't free, right? The guy didn't have water because he didn't pay, right? But the mom's water had not been shut off?

So she was paying the water bill. She was freely giving a neighbor a resource that she paid for, and they cut her off for doing it, despite the fact that she was paying the bill, because they're trying to apply Netflix subscription logic to a resource that humans need, which isn't sold on a subscription basis!

I can't speak for everywhere in the universe, but everywhere I've lived, water is paid for by unit of water, not by unit of residence. So if Jane normally uses X water units, she pays X times Y, the per unit cost of water. Giving Z units of water to John means she is paying (X + Z) times Y. Thus John's water is paid for. Not free. Not stolen. Paid for by Jane.

How the fuck does the government get the right to tell Jane what she's allowed to do with her water? That she's paying for? This is toxic pro-corporate behavior. They don't just want the water to be paid for, they literally want to punish people who can't afford water.

I mean... I do understand that water isn't free. If you didn't get it from the sky, then it has gone through a treatment plant, which is not free, managed by workers, who don't work for free, using chemicals or things like filters that have to be changed, which are not free. (If you did get it from the sky, it should be free. Policies that make it illegal to collect water in rain barrels, on the spurious notion that it deprives the water table of necessary water, as if the people using the water barrels will hoard it forever and never drink it or wash with it, should be considered a crime against humanity.) But yeah, water coming through the pipes isn't free, I get that. But pointing this out is missing the entire problem here (as is arguing against it.)

In this situation, it doesn't matter whether water is a resource that should be free, or should not be free. It wasn't free. OP's mom was paying for it. And they wouldn't let her pay to share her water with an old man in need.

That is radicalizing. You can accept "well, the workers at the water plant need to get paid" and "actually cities put a lot into making their water safe and need to be paid for that" and "if you didn't pay for water, everywhere would end up like Flint because cities wouldn't pay to purify it", and still understand that it's evil to forbid people to share water when they are paying for it, just so you can harshly punish people who can't afford their water bill.

Ironically, if OP's mom was a corporate bottling plant, they would probably have let her bottle the water and send it out of the community for profit, and possibly have charged her less for the water she was using that way. But she was sharing it with a neighbor in need, and that's not allowed!

[kanalcoin]

🚀💰 Crypto Alert: 🇺🇸 Trump Media is diving headfirst into the blockchain! 💰🚀 Grab your popcorn, folks, because Trump Media and Technology Group (TMTG) just announced a shiny new utility token and a digital wallet for their Truth+ streaming service! 🌟 Can you say game-changer? According to CEO Devin Nunes, this token will kickstart a rewards program that might have you saying goodbye to those boring subscription fees. Imagine paying for your binge-watching sessions with a little sprinkle of crypto magic! 🪄 So what’s the master plan? Here’s a juicy excerpt from the shareholder meeting:

“We're exploring the introduction of a utility token within a Truth digital wallet that can initially be used to pay for Truth+ subscription costs.”

Oh, sweet summer child, the possibilities are endless! 😏 But wait—there's more! TMTG is putting up a staggering $250 million to bolster their crypto adventures. 💸 That’s right, they’re not just dipping their toes in the water; they’re doing a cannonball. 🤿 With partners like Charles Schwab backing them, you can bet the landscape of digital currency could get a bit spicy. 🌶️ In this crowded crypto carnival, TMTG’s fusion of social media with cryptocurrency feels like the thrilling ride we didn’t know we needed. 🎢 If this concoction of fintech and media hits the mark, we may very well be witnessing the rise of a new titan in the space. So, strap in and keep your eyes peeled! 👀 Curious to learn more? Check out the full scoop on their wild plans here and join the crypto revolution! 🌐💎 #CryptoNews #TrumpMedia #UtilityToken #DigitalWallet #CryptoCommunity #InvestSmart #Blockchain #Fintech #TruthPlus #Kanalcoin

[promothe]

Top Corporate Gifting Trends in India for 2025

Corporate gifting in India has come a long way from generic calendars and sweet boxes. As the business landscape evolves, so do the expectations around gifting. With companies increasingly looking to build stronger relationships with clients, employees, and partners, the focus has shifted towards more meaningful, personalized, and value-driven gifts. In 2025, corporate gifting is set to become even more strategic and thoughtful, blending utility, emotion, and brand impact. Here are the top corporate gifting trends that are expected to dominate the Indian market in 2025.

1. Personalization is the New Standard

Gone are the days of one-size-fits-all gifts. In 2025, personalization is no longer just a trend—it’s an expectation. Businesses are increasingly opting for personalized gifts that reflect individual tastes and preferences. Whether it’s a custom-engraved pen, a name-printed diary, or a personalized coffee mug with an employee’s name and company logo, such gifts create a lasting impression. Personalized gifts demonstrate effort, making the recipient feel truly valued and appreciated.

Companies are also leveraging data to create hyper-personalized gifting experiences. For example, birthday gifts based on employees’ interests or loyalty rewards tailored to client preferences. This level of customization not only enhances brand recall but also fosters a sense of belonging and connection.

2. Sustainability is a Smart Choice

Eco-friendly and sustainable gifting options are witnessing a surge as more businesses take conscious steps toward environmental responsibility. In 2025, gifts made from natural, recycled, or biodegradable materials will become mainstream. Think reusable jute bags, bamboo desk organizers, plantable seed paper notebooks, and stainless-steel water bottles.

Not only do these gifts align with a company’s green values, but they also communicate a clear message about the brand’s commitment to the planet. As climate consciousness grows, employees and clients are more likely to appreciate gifts that help reduce environmental impact.

3. Wellness and Mental Health Gifts

The importance of mental health and overall wellness has gained massive traction in the post-pandemic world, and it continues to be a major focus in 2025. Corporate gifting is now extending beyond physical items to include self-care and well-being products. Stress-relief kits, aromatherapy sets, meditation app subscriptions, wellness journals, and desk plants are popular choices.

By promoting employee well-being through thoughtful gifting, companies are showing that they care—not just about productivity, but about their people’s mental and emotional health. These kinds of gifts can boost morale, enhance job satisfaction, and contribute to a healthier workplace culture.

4. Tech Gadgets and Smart Accessories

With technology being at the core of modern work life, tech-related gifts continue to enjoy popularity. In 2025, expect to see an uptick in gifting useful gadgets such as wireless chargers, Bluetooth speakers, smart bottles, digital notepads, and branded USB drives. These practical items offer high usability and align perfectly with the needs of professionals in today’s hybrid and digital-first workspaces.

What’s more, tech gifts subtly position your brand as innovative and forward-thinking. When these gadgets are customized with your company logo, they serve as long-lasting brand ambassadors.

5. Curated Gift Kits for Special Occasions

Another rising trend is the shift from single-item gifts to thoughtfully curated gift boxes. These kits are themed around specific occasions such as onboarding new employees, celebrating work anniversaries, Diwali, Christmas, or milestone achievements.

A curated kit could include a mix of snacks, personalized items, wellness products, and branded merchandise—all beautifully packaged to enhance the unboxing experience. These bundles not only feel premium but also show that the sender put thought into every element of the gift.

6. Local and Handcrafted Gifts

There is growing appreciation for local artisans and handcrafted items, especially among companies that want to support “Make in India” initiatives. Gifts like hand-painted coasters, terracotta planters, artisanal candles, or regional delicacies offer a unique, culturally rich experience.

Supporting local craftsmanship not only promotes small businesses but also adds authenticity and charm to corporate gifting. In 2025, brands are expected to explore regional stories and culture through their gifting strategies, making each gift a reflection of Indian heritage.

Final Thoughts

As we move into 2025, the Corporate Gifts in Delhi is becoming more thoughtful, personalized, and conscious. Companies that embrace these trends will not only elevate their gifting game but also create stronger, more meaningful connections with their stakeholders. Whether it’s through a sustainable product, a tech gadget, or a handcrafted token of appreciation—what truly matters is the intention behind the gift. Because when done right, corporate gifting can be much more than just a gesture; it becomes a powerful tool for relationship building and brand storytelling.

[jaishwalpackers]

How to Create a Moving Timeline for Short-Distance and Long-Distance Transfer

Moving from one place to another—whether it’s across town or to another city—requires detailed planning and solid execution. While the basic process remains the same, the complexity can vary significantly depending on whether the move is short distance or long distance. To keep things organized and stress-free, it’s essential to build a customized moving timeline.

This guide will walk you through how to create a moving timeline tailored to your specific type of transfer—short distance or long distance—ensuring a smooth transition from your old home to your new one.

Understanding the Difference Between Short and Long Distance Moves

Before diving into the timeline, let’s clarify what qualifies as a short distance or long distance move.

Short Distance Move: Usually within the same city or metro area, generally under 100 miles.

Long Distance Move: Typically involves moving to another city, state, or country, covering over 100 miles.

Each type of move presents its own set of challenges, and therefore, the timeline should reflect that.

General Pre-Move Planning (6–8 Weeks Before Moving Day)

Regardless of the distance, you should begin your planning 6 to 8 weeks in advance.

1. Define the Moving Date

Set a tentative date for your move. This helps structure your timeline and allows enough flexibility for last-minute changes.

2. Create a Moving Binder or Digital Folder

Keep all receipts, checklists, quotes, and contracts in one place. Apps like Trello or Google Sheets can be useful for digital planning.

3. Budget Your Move

Determine how much you’re willing to spend. Consider the cost of packing supplies, professional movers, utility setups, and travel expenses.

4. Hire Professional Movers

Research and book a reliable moving company. For example, Jaishwal Packers and Movers has a strong reputation for handling both short and long-distance relocations efficiently.

5. Declutter and Organize

Go room by room and get rid of what you don’t need. Donate, sell, or discard unnecessary items.

Short Distance Move Timeline

4 Weeks Before Moving

Confirm the Date with Movers Double-check availability and finalize your booking with the moving company.

Start Packing Non-Essentials Begin boxing up items you rarely use—like seasonal clothes, books, and decorations.

Update Address for Subscriptions and Services Notify banks, post office, and subscription services about your new address.

2 Weeks Before Moving

Notify Landlord or Property Manager Give your notice if you’re renting. Schedule a final walkthrough to ensure deposit return.

Transfer Utilities Set up utility transfer dates—electricity, water, internet—to avoid any service gaps.

Prepare Moving Essentials Box Pack daily essentials: toiletries, medications, a few changes of clothes, and chargers.

1 Week Before Moving

Start Final Packing Wrap fragile items carefully and label boxes with room names and contents.

Clean the House Tidy up each room as you pack it. This makes final cleaning easier.

Check Weather Forecast Plan for rain, heat, or other weather-related issues on moving day.

Moving Day

Supervise the Loading Process Ensure that boxes are handled with care and placed correctly in the truck.

Do a Final Sweep of the House Check closets, cabinets, and drawers one last time.

Settle into Your New Place Unpack the essentials first—kitchenware, bathroom supplies, and bedding.

Long Distance Move Timeline

8 Weeks Before Moving

Research Long Distance Movers Get quotes from multiple companies and ask about insurance, tracking, and delivery timeframes.

Document Valuables Take photos and keep a record of high-value items for insurance purposes.

Create a Digital Inventory Use spreadsheets or apps to track what you’ve packed and where it’s going.

6 Weeks Before Moving

Secure Travel Arrangements Book flights, rental cars, or hotel stays if your move spans over multiple days.

Arrange for Temporary Housing (if needed) If your new place isn’t ready yet, arrange short-term housing or storage solutions.

Plan for Pets and Vehicles If you’re flying, arrange transport for pets and vehicles accordingly.

4 Weeks Before Moving

Start Packing Room by Room Label boxes with destination room and priority (e.g., “Open First”).

Request Time Off Work Apply for leave to ensure you’re available on or around moving day.

Begin Saying Goodbyes Start informing friends, neighbors, and local services you’ll be relocating.

2 Weeks Before Moving

Transfer Medical and School Records Collect and forward important documents for family members and pets.

Confirm All Reservations Double-check travel, accommodation, and moving arrangements.

Dispose of Hazardous Items Flammable items like propane, cleaning supplies, or aerosols cannot be transported.

1 Week Before Moving

Finish Packing and Labeling Ensure everything is properly packed and all boxes are sealed and labeled.

Defrost Refrigerator and Clean Appliances Do this at least 24–48 hours before moving to prevent mold or leaks.

Pack Essentials in a Suitcase Include clothes, documents, chargers, snacks, and important toiletries.

Moving Day

Inventory Check Match boxes and furniture with your inventory list before and after loading.

Ensure Secure Loading Confirm that fragile and valuable items are handled with extra care.

Communicate with Movers Keep in touch with the moving company during transit for updates.

After the Move

Short Distance

Unpack Within 2–3 Days Try to finish unpacking essentials and set up basic home functions quickly.

Revisit the Old Property (if needed) Return to collect forgotten items or finalize paperwork.

Long Distance

Wait for Full Delivery It might take days or even weeks, so stay in contact with your movers.

Settle into New Community Update your driver’s license, register to vote, and find local services like doctors and grocery stores.

Unpack in Phases Start with bedrooms and kitchen, and then move to other spaces.

Tips for Both Types of Moves

Color Code Boxes Use colored stickers for each room to make unpacking easier.

Use Clear Storage Bins for Essentials See-through bins help you spot important items quickly.

Take Photos of Electronics Before Unplugging Makes reassembly easier at your new place.

Label Cords and Chargers Avoid frustration when setting up electronics again.

Final Thoughts

Whether you're moving down the street or across the country, a well-thought-out moving timeline can make all the difference. Planning ahead, packing smartly, and staying organised will reduce stress and ensure a smooth transition. While short-distance moves tend to be more flexible and less expensive, long-distance relocations require more logistics and early preparation.

Don’t underestimate the benefits of hiring professionals. A reliable moving company like Jaishwal Packers and Movers can handle the heavy lifting, both literally and figuratively, letting you focus on settling into your new space with peace of mind.

[airmaxpackers]

Moving Checklist: What to Pack and When to Start

Relocating to a new place can be exciting, but it also comes with a fair share of stress and preparation. Whether you're shifting locally within Mumbai or moving to a different city, planning your move ahead of time can make all the difference. This moving checklist breaks down what to pack and when to start so you can stay organized and reduce last-minute chaos. It is particularly useful if you're considering services from the Best Packers and Movers in Mumbai, or specific locations like packers and movers In Rabale and Packers and Movers in Turbhe.

Understanding the Timeline of Your Move

Before diving into the checklist, it’s essential to create a timeline. Ideally, start preparing at least 6 weeks before your move date. This gives you ample time to plan, declutter, and coordinate with moving services if needed.

6 Weeks Before Moving

Sort and Declutter

Go through every room and decide what to keep, donate, sell, or throw away.

Reducing your load will make packing easier and may even reduce moving costs.

Research and Shortlist Movers

Start researching the best packers and movers in Mumbai.

If you're moving locally, you might want to explore services in your area like Packers and Movers in Rabale or Packers and Movers in Turbhe.

Check reviews, service offerings, and compare rates.

Create a Moving Folder

Store all estimates, receipts, inventory lists, and important contact information.

4 Weeks Before Moving

Start Packing Non-Essentials

Begin with items you don’t use daily: books, seasonal clothing, decorations, etc.

Label boxes clearly by room and contents.

Gather Packing Supplies

Boxes (various sizes)

Packing tape

Bubble wrap

Labels or markers

Notify Key Parties

Inform your landlord if required.

Update your address with banks, subscription services, and other institutions.

Schedule utility disconnection and reconnection.

3 Weeks Before Moving

Plan for Special Items

Make arrangements for transporting valuables, electronics, or fragile items.

Discuss specifics with your moving service. For example, many Packers and Movers in Rabale offer special handling for electronics and delicate goods.

Prepare an Inventory

List everything you’re moving.

Note valuable items and take photos for insurance purposes.

2 Weeks Before Moving

Continue Packing

Pack kitchenware and other less frequently used items.

Wrap fragile items carefully and label them as fragile.

Organize Important Documents

Keep passports, identification, school records, and medical documents in one folder.

Carry these with you, not in the moving truck.

Dispose of Hazardous Items

Movers typically won’t handle things like paint, chemicals, or flammable items.

Check local guidelines for safe disposal.

1 Week Before Moving

Confirm Details with Movers

Reconfirm the date, time, and location with your chosen movers. Whether you're hiring Packers and Movers in Turbhe or elsewhere in Mumbai, clear communication is essential.

Pack a Moving Day Bag

Include:

Toiletries

Basic tools

Snacks and water

Chargers

A change of clothes

Essential medicines

Defrost Refrigerator and Clean Appliances

Empty and clean your refrigerator at least 24 hours before moving.

Unplug and clean washing machines, microwaves, and other appliances.

Moving Day

Final Checks

Walk through your home to make sure nothing is left behind.

Check cabinets, closets, and drawers.

Guide the Movers

Direct them to the correct rooms.

Share any special instructions regarding fragile or valuable items.

Take a Meter Reading

If you're responsible for utilities, record the meter readings before leaving.

After the Move

Unpack Essentials First

Start with the kitchen and bathroom.

Set up beds and basic furniture.

Inspect Your Items

Cross-check your inventory list.

Report any damages or missing items immediately to the moving service.

Tips for a Smooth Move

Label Everything Clearly

Use large text and include room names to simplify unpacking.

Color Code Your Boxes

Assign colors to each room and use corresponding stickers or markers.

Pack an Essentials Box for Each Room

This should include items you'll need immediately upon arrival, like toilet paper for bathrooms and cookware for kitchens.

A well-structured moving checklist helps reduce the mental burden of relocation. Starting early and staying organized are key. Whether you're managing everything on your own or using professional help such as the Best Packers and Movers in Mumbai, being proactive can make your move a smoother experience.Residents in specific areas can benefit from local expertise. For instance, choosing Packers and Movers in Rabale or packers and movers in Turbhe may offer added convenience, quicker response times, and familiarity with local regulations.