Spend a little cash to get peace of mind

When you’re holding an event, whether it’s a corporate event, a huge birthday party or your wedding day, you need to think about preparing ourself in case things go wrong. Occasionally things do go wrong, but having the right insurance can help you out.

A scenario

Let’s imagine that you’ve booked a venue so that you can hold a party. There are hundreds of people invited to this party, and you’ve worked all-out to ensure it goes smoothly. On the day of the party, you hear that the location is unavailable due to flooding, or the company who the building belongs to has suddenly gone into administration, what do you do? The fact is that unless you’ve got some event insurance, there’s very little that you can do. You may be able to find another venue at short notice, but what about all the planning you’ve done and the money you’ve paid?

This is when some event insurance will come in really handy. I get mine from BestEventInsurance.com, but there are other websites available. I want to know that I will be protected in the event of anything happening, and I’d much rather pay for the insurance, than leave it to chance.

You happily insure your home

Most people happily insure their home, it means a lot to them, as do the contents. We want to make sure that if something should happen, that we have some level of protection. We know that if the worst should happen, then we’re likely to be compensated in the form of cash. The same can be said for when you’re holding an event. If you can make sure that you’ll be compensated in case something goes wrong, then that’s certainly a good thing.

Overseas weddings

A guy that I used to know got married overseas. He always wanted to get married overseas, and when his special day came, he had everything planned out. In order to make sure that he received compensation in the event of a flood, the venue pulling out, or anything else untoward happening, he took out insurance. I know that a lot of people don’t, but this was something that he wanted to do. Everything turned out to be ok, but you just never know.

Get peace of mind

Having event insurance is making sure that you have some sort of cover should something go wrong. It’s all about preparing and making sure that everything is covered should it need to be. I know that some people assume that everything would be alright, but the fact of the matter is that sometimes you need to have insurance if you want to have the peace of mind you need to relax.

The next time I hold an event, which will be in a few months, I’ll make sure I’m properly and fully covered. This gives me the confidence to go ahead and get my plans ready, so when the event happens, I can get on with making sure myself and my guests have a good time.

7 Ways to Survive a Business Event

If you are about to attend a business event in order to help promote your business, you may be feeling a little nervous. Business events can be a lot of work, but at the same time they can also be great for the company.

Before you think about what can go wrong at a business event, please take a look at the tips I’ve listed below:

1 – Work out what you’re going to sell

Whether you’re selling a product or a service, you need to make sure that you know what you’re selling. You need to know almost everything about it, so that you can answer an questions that come your way.

2 – Get the right insurance

It’s hugely important that you get the right insurance to cover you in the event of something happening. Look at besteventinsurance.com and see if you can find a plan that’s good for your business.

3 – Have plenty of leaflets to hand-out

This is important, because leaflets can be a good way to market your business. Make sure they’re bright, colorful and the tell potential customers what it is you’re selling. Get those leaflets handed out, leave some on the stand or desk you’re working from, and make your business heard.

4 – Everyone loves a freebie

We all love a freebie, and as a business, you can make our interest in freebies work for you. Put your businesses logo on some pens and hand them out. Get a bunch of refrigerator magnets with your business logo on, and give those away too. Everyone loves a freebie, and most people will be happy to take them home with them. This means that they are likely to see your logo every time they use the pen or see the magnet, and that’s never a bad thing.

5 – Never work by yourself

Always work with at least one other person, so you one is able to hand out leaflets, while the other talks to potential customers. You’ll also need to take a break now and again, so work in pairs, and all should go smoothly.

6 – Be prepared

Turn up at the business event fully prepared, know what your potential customers are looking for, and be ready to answer their questions. Get ready to set up your stall or spot as soon as you arrive, and make sure you’re all dressed to impress.

7 – Have a good time

This is key, because if you don’t have a good time, your customers will know. Work out a way to have a good time, go there with the intention of having a good time, and you probably will.

You can survive a business event, just be prepared, know what you’re selling, and get our there and enjoy yourself.

Save Yourself Money This Winter

As the weather turns colder, and we wear an extra layer in the hope of staying warm, before inevitably putting the heating on, many of us will begin to fall ill. It’s at this time of year when we become more susceptible to colds, and it’s at this time of year when the manufacturers of cold and flu products look forward to making a lot of money.

More often than not, when shopping for something to cure our colds, we look for the tablets and capsules that are labelled ‘Extra strong’. It’s these two words that give us a lot of confidence, and we know that they will help us to get better, quicker.

The secret behind ‘Extra strong’

The trouble is that these ‘Extra strong’ tablets and capsules contain just as much paracetamol as other products do. The ‘Extra strong’ part refers to the caffeine that the manufacturers put in them. Caffeine helps to speed up your metabolism a little bit, and this means that the tablets you take will get to work a little quicker than they otherwise would.

If you were to take a couple of regular paracetamol, while you also drank a cup of tea or coffee, you would get exactly the same effect. You don’t have to spend any more money on these ‘Extra strong’ products. Save yourself some cash and buy the cheapest paracetamol you can find, and take the required dosage, while drinking tea or coffee.

I know that right now, many of you will be thinking about how much more money you have spent on those tablets or capsules that you assumed will help you recover. My advice is to keep taking them as directed, but save money next time. Just as you would look for cheaper a electricity supplier, sabatier knife blocks, or meal out, so too should you look for cheaper ways to improve your health.

What about the colour?

Now I’m going to burst another bubble and tell you about the colour of the tablets and capsules you take. It’s likely that the ‘Extra strong’ ones are either red or green. The fact is that the colour makes you think the tablets are going to work, but they are in actual fact no different to the cheap white ones.

We assume that because they are a different colour that they will work quicker, but all that’s happening is we’re being duped into spending more on a product that’s just had a bit of food colouring added to it. When you think something is going to work, it’s more likely to work. This way of thinking is known as the ‘Placebo effect’, and it’s something that psychologists and manufacturers have been using for many years.

Those cheap paracetamol’s that you avoid buying because you don’t think will work as well, are exactly the same. Save yourself a lot of money this winter by purchasing the cheaper range, while also getting better.

Just think, if you save yourself one pound every time you buy the cheapest range of paracetamol, you could end up saving yourself about £10 a year, if not more. I don’t know about you, but I’d much rather that £10 was in my pocket than the manufacturer’s.

Students: How to survive on less cash

One of the challenges that students face, apart from the piles of coursework that they have to do, is the fact that they will have little cash. Some students will end up having a lot less cash than they are used to, but their expenses could be higher.

So how can any student survive on less cash, without going hungry or eating the same food all the time? Here’s how:

Work out how much money you do have

This could include your loans, your salary from any job you do, and money from your parents. Once you’ve worked this out, you then need to go through how much money you’ll need for bills and food.

Try to leave aside money for alcohol, new clothes, take outs and anything else that isn’t a necessity right now.

If you live in rented accommodation, rather than on the university premises, you’ll need to make sure you have enough money to pay the rent, gas, electricity, water, insurance and other household bills. A great tip is to pay the rent as soon as your student loan or grant comes through. This way, you know that you’ve paid it, and you won’t risk spending it on anything else.

If you find yourself spending money on non-essentials such as gym memberships and the latest protein or weight loss supplement you can grab a free trial of Garcinia Cambogia Cleanse, which will allow you to save money from buying the product outright.

Work out how much money you have left

1It may not be very much, but that doesn’t mean you’re going to starve or go without. You may want to save up for that fancy new gadget after reading a fenix tk16 review, or you may want that weekend away somewhere, but be prepared to make sacrifices if needs be.

The money that you have left, should ideally go on the food you’ll need to eat while you’re studying. You may be used to eating certain brands of food, but here’s where you’re going to have to lower your expectations and your expenditure. Buy value brands, as they are often cheaper, but exactly the same as some higher priced brands. Look out for bargains in the supermarket, but make sure they are still value for money. You can cook a healthy meal for very little money, as you will see when you visit the local market each week.

Although becoming a student and having less cash can be a culture shock, you can and will get through it. Treat this time as a means of testing how well you can cope, and try to save as much money as you can, while ensuring you have 3 meals a day, pay your rent, and study hard

The cost of looking after your data

FlashDriveMany of us have data that we would rather keep private; whether it’s work-related data, or personal data, we don’t want people snooping in and viewing the contents. The good news is there are a lot of data storage solutions out there, but they can cost quite a bit of money.

 

So what can you do to keep your data safe, and away from prying eyes, without spending more money than you really need to? The fact is that you need to shop around, and see what you are offered. The services that could be on offer to you will vary, dependent on whether you run a business, or you’re an individual who wants to stay protected.

 

If you are looking to protect your data from a business point of view, then services such as

global reference data solution are available. This type of service can store and encrypt your data in impressive ways, keeping it safe and out of harm’s way.

 

 

Why should we look after our data?

 

In this day and age, we need to be a lot more security conscious that people needed to be in the past. This is because there are those out there who want to gain access to our private data in order to steal it, or corrupt it so we cannot use it again. It is a sad fact that there are people like this out there, but they do exist, they are a real threat, and we all need to do what we can to protect our data.

 

 

How much does it cost?

 

The cost will pretty much be dependent on who you are, what you want to look after and how much of it you want to protect. An individual who has 10 GB of data that basically consists of a few files, some photographs and passwords, will not be charged as much as a business that has 2 TB of data that contains a lot of private information,

 

The price also depends on who you use to help you protect your data, but you can be sure that whoever you decide to go with, will offer you competitive prices, and probably a few freebies in there too.

 

Organizations that help us to look after our data are cropping up everywhere, and my advice is to use one that offers you a good service, and can prove they take your confidentiality seriously.

 

When you find the right organization to look after your data, you are likely to feel a little more at ease, knowing everything is in safe hands.

The Financial Implications of Moving to a New Home

Whether you are a first-time mover or you have tried it a few times, you may not have the idea of what exactly you have to consider before you move to a new home. There are several financial implications to take into consideration- especially the ones that most people have not thought of. Here is a list of some of the lesser known expenses of movie.

Utility Deposits

One of the things that many new movers fail to plan for is utility deposits. Even if you are just transferring your services, it is very likely that you will still have a small fee for the switch. If you are a new customer, however, you may end up paying $100 or more per utility. Keep this in mind and be sure to set money aside for this before you move. If you want specific amounts, call the utility company far ahead of time to fit it into your budget.

Replacing What was Left Behind

Often, it is easier to put some things in the trash or sell them in a yard sale than to bring them as you move between cities or states. Before making the decision to pitch something, remember to account for how much it will cost for the thing you intend to replace it with. Some bulky items (such as the pull-out couch that is never used) may cost more to transport or store than they would to replace.

Miscellaneous Groceries

Often, the cupboards of our home is stocked full of various spices, canned goods, pasta, and other relatively non-perishable items that we have taken granted over the years. Additionally, our fridges often have condiments, dressings, and more that we consistently pair with meals and snacks.

Even though these types of things are often taken for granted, it can take as much as $100-$200 per week for a few weeks until you actually start to build up your grocery supply again. If this is an issue, than it may be a better idea to think before you throw out the contents of your can and spice cupboards.

Miscellaneous Household Items

Another thing that is often taken for granted is cleaning supplies, light bulbs, toilet paper, and more. The cost of these items can really add up, especially if you have to purchase them all at once. Unfortunately, it can be rather dangerous to transport chemicals and lightbulbs, so this is not something you can bring from your old home.

Instead, budget at least $100 to stock up on these essentials, maybe more. You can get a better idea of a budget by going room to room and making a list of all you need to buy. Don’t forget about garbage cans, storage containers, hair products, and similar items.

 

If you have thought of these expenses, great job! You are on your way to becoming an experienced mover. If not, don’t worry! Now that you know what expenses to plan for before moving to your new home, you can prepare.

Resources:

Movers NJ – WannaMoveIt.com

Wikipedia – Moving Home

Tips for keeping your books in order

fpQT15K3If you run your own business, you’ll know how important it is for you to keep your books in order. I know 5 other business owners and sadly not all of them regularly keep their books in order.

As well as making life a lot easier for yourself, making sure everything is as it should be is just good practice. If you’re not sure how to keep your books in order, or you’re struggling, read the tips listed below.

Register your business

This is a priority as the government and similar organizations need to know that your business exists. This is so you can pay taxes and it could even mean your business receives much-needed funding too.

 

Keep all of your receipts

All of your business-related receipts should be kept hold of and recorded. It doesn’t matter how small those expenditures are, they need to be accounted for.

 

Get a business account

Ask your bank for a business account, and see what they can offer you. Some businesses are eligible for overdrafts, loans and other facilities.

 

Hire an accountant

If you’re not able to do the work yourself, or it would just take up too much time, then hire an accountant. Find one that is registered and has a good reputation. Remember to add your accountant’s bill to your company expenses.

 

Keep things simple

When it comes to doing your accounts, keep things as simple as you can, even if you’re passing paperwork on to an accountant. You won’t need any fancy accounting software, just have a book that has a column that shows your income and another for your expenditures.

 

Save money for taxes

Chances are you’re going to have to pay taxes. Rather than getting a nasty shock at the end of the financial year, why not set a specific amount of money to one side each month? This will ensure you find the tax bill less of a burden.

 

Get things done on time

It’s so important that you meet deadlines, if your books need to reach your accountant by the end of the week, make sure they do. If you find you don’t have enough time on your hands, hire a company like Ameridial who will do a lot of work for you, while you concentrate on your books.

 

Ask for payment

If a customer owes you payment, then make sure you chase it up. If you did the work in question, you’re entitled to the agreed payment. Trust me, asking for money will get easier over time, and in reality you need it to help keep the company profitable.

Bear all of the above tips in mind, and you’ll find that it’s a lot easier to keep your books in order.