Ten Ways to Stay Sane When You Lose Your Job

Losing your job can be very stressful. It puts a lot of strain on your finances and can lead to depression. It is important to find some ways to stay sane during this period, keeping in mind that you may be able to produce some income to keep you going. We will also look at auto title loans online and how they can help during this time.

1. Auto title loans online

Auto title loans online offer a loan amount based on the market value of your vehicle. This amount may be enough to get your through the period of unemployment with monthly repayments that can be managed through odd jobs.

2. Have a grief period

Grief is normal after you lose your job and this is an emotion you will need to be able to accept. Talk to a friend or advisor about your feelings to help you accept the reality of the situation and help you move forward.

Stay Sane When You Lose Your Job

3. Acknowledge the positives

While you are grieving, make sure to look for the positives and start to see a way forward.

4. Join a job club

If there are no existing job clubs you might like to consider starting one yourself. Other members of the club can be valuable resources of job leads and other information. They can also help you keep motivated at times when you feel down.

5. Network

Many jobs are found by word of mouth through networking, rather than from answering an ad. For this reason, keeping networked or improving your networking is very important when you are looking for a job. Networking can be challenging, but it is worth your time and effort.

6. Keep a routine

Keeping a routine can help keep you positive as well as help keep you on track. Set aside specific time for networking and job searches. This will help you fill your time and also avoid depression.

7. Look after yourself

Looking after yourself will help combat depression.

8. Search for job ads

Creating a job search plan can help you stay positive and help you avoid getting overwhelmed.

9. Find odd jobs

There are many odds jobs you may be able to find through community ads or the newspaper.

10. Reduce your expenses

Reducing your expenses briefly may help you prevent having to get auto title loans online.

3 Reasons You Need an Accountant in Calgary

There are a number of things that come with being the owner of a small business. Without the proper planning and knowledge, a business owner will be doomed to fail at their venture. Trying to do all of the jobs under the roof of your small business will usually lead to disaster. One of the most important and commonly neglected parts of any business is the finances. In order to get ahead in the world of small business, a person will have to make sure they have a handle on the finances of their Calgary Company. Here are a few reasons why you need Calgary accountants to help you with your small business finances. 

Why You Need an Accountant

They Have the Knowledge Needed

The first reason to hire an accountant to help with your small business is due to the experience they have. Most people fail to realize just how hard it is to manage small business finances until it is too late. By hiring a professional, you will be able to get the right results in regards to keeping up with this all important factor. An accountant will be able to research what you are doing and how they can improve upon it. 

Getting Budgets in Place

The next benefit you will be able to take advantage of when using an accountant is that they will be able to let you see where you are losing money. By taking note of where you can tighten up, you will be able to save money. The accountant will be able to get you on a budget and reduce the amount of money that you spend. By saving money, you will be able to invest it into your business and spur the expansion you are looking for.

Keeping Your Payroll Straight

Another benefit that comes along with having an accountant is that they will be able to help you keep your payroll straight. Once a company begins to grow, more employees will have to be hired in order to lighten the workload. Having more employees means that you will have to keep up with the additional taxes and more payroll. By having a professional helping you out, you will be able to avoid costly errors. The more you are able to find out about the accountants in your area, the easier you will find it to get the right results. 

At Quon and Associates, you will be able to get the right help with your small business finances. They have many years of experience and can give you the assistance you need Call them or go to their website for more information. 

How To Find The Best Mortgage Rates

If you’re like most people looking to buy a house, you’re probably going to need to get a mortgage.  The trouble is, how do you know what to look for?  It can be a challenge to find the perfect mortgage for your particular situation, but the great news is that there is a mortgage product out there that is perfectly suited to every situation.  The trick is to find the best mortgage rates you can.  When looking for the best mortgage rates Saskatoon residents should consider the following things.

Basically, there are two types of mortgages:  fixed rate mortgages and variable rate mortgages (also known as adjustable rate mortgages).

First, let’s look at fixed-rate mortgages.  A fixed-rate mortgage means that the rate does not change throughout the entire duration of the mortgage, either up or down.  That offers the borrower a consistent and predictable loan payment amount each month.  The benefit of that is that the borrower can easily budget for the payment every month.

Mortgage Rates

With a variable rate mortgage, the amount you have to pay each month will changed based on the current rate at the time the payment comes due.  This could mean that one month you pay less than the previous month, and the next month you will pay more.  Interest rates on a variable rate mortgage are typically lower than those on a fixed-rate mortgage.

Whether you choose a fixed-rate mortgage or a variable mortgage, you’ll have to do some homework to get the best rate possible.

It’s important to know that each lender will offer you a different mortgage product.  Just as you would shop around for the best price on a car, you should also look around for the best price on a mortgage, too.  And it goes beyond just the price.  You’ll have to weight all the factors, including the interest rate and other bonuses that might be included by certain lenders.  You can either do the comparison shopping yourself or enlist the help of a mortgage broker to help shop around for the best deal for you.

When you shop around for a mortgage it’s important to know your credit score.  If it’s less than stellar, you should probably take some steps to improve it before you start looking for a mortgage.  Why?  Because the better your credit, the lower risk you are to mortgage lenders and you will probably qualify for better rates. 

Always look for hidden fees.  When you find a mortgage product you are interested in, always assume that there will be hidden fees and ask about them.  Ask your lender to give you an itemized outline of exactly what you will have to pay each month, including any associated fees.  Those fees could make an affordable mortgage more expensive than you thought, so always get a clear picture before you sign on the dotted line.
One final word of advice:  Remember that an offer from a mortgage lender is just that – an offer.  There may be room to negotiate a better deal for yourself.  It never hurts to ask!  

Captive Insurance Companies: A Good Idea For Large Businesses?

Ask anyone that runs a business and they’ll tell you how important insurance is to their organization! The reason any company takes out an insurance policy is to mitigate potential risks.

For example, clients suing over contract disputes. Employees suing over workplace injuries. And members of the public suing because of injuries they sustained at your premises. Those are just some of the many risks insurance can handle for you.

Captive Insurance Companies

So, what happens when you run a large corporation? Well, you will still need to take out appropriate insurance policies for your business. But, did you know that self-insuring offers many financial benefits over taking out policies with third parties?

Captive insurance companies: in a nutshell

As you manage a large company, you’ve doubtless heard of “captive insurance” in the past. But, what does it mean, and can it benefit your firm?

Captive insurance refers to the process of setting up a company that purely provides insurance services to subsidiaries in a large group of businesses. As I’ve mentioned earlier, it’s a form of self-insurance.

Now, you might be wondering what the point is of underwriting insurance policies to yourself? Surely it would make more sense to pay a “proper” insurance company to do that for you? Well, it turns out that captive insurance makes plenty of financial sense.

It offers your subsidiaries a large pot of money

We all know that the point of insurance is to mitigate risk. There isn’t one business on the planet that has never faced the threat of legal action from a third party. If a company had to pay out large sums to settle legal disputes, it would soon find itself out of business.

Think of captive insurance as a large pot of money. Each one of your subsidiaries contributes their share to the pot. In the event that one of them faces financial trouble, that money can bail them out.

It lowers your tax liability

Recently I saw an interesting video on captive insurance over on at www.bswllc.com/opportunity-3-captive-insurance-companies/. It said that out of the many benefits captive insurance offers; one is lowering tax liability!

As you can imagine, that’s a good thing by anyone’s book. As long as you seek advice on the best way to set yours up, your group of companies will pay less money to the IRS!

You can manage claims on your own terms

The thing about third-party insurance companies is that you have to agree to do things “their way.” In other words, you have little input over how any claims get handled. But, when you self-insure, you are in total control.

One of the downsides of using other insurance companies is how long it takes for claims to get dealt with and settled. With a captive insurance company, you can push for speedy resolutions. That means lower costs, and fewer people angry about the length of time a claim gets settled.

So, if you’ve got a large corporation, when will you be setting up a captive insurance company?

How The Internet Can Boost Your Career Earnings

Everyone wants to succeed in their job. While there are many contributing factors to what can be considered success, we can all agree that money is a very clear barometer of how well things are going.

Seeking better pay is nothing new. If you’re putting in the hard work, then it’s only fair that you are compensated accordingly. Everyone could do with making some extra money in their life, but increasing your earning power remains the most effective manner.

Thankfully, the internet has changed things for the better. Here’s how you can use the World Wide Web to start earning more.

Get Freelance Work

The internet is a fantastic networking resource for employers and employees alike. If you’re a skilled worker, then using the web to your advantage could help you land more work. Whether you’re just starting out or looking to earn a little extra cash, this could be the key to opening doors.

How The Internet Can Boost Your Career Earnings
Signing up to a freelancer database will allow employers to find you. This means you could earn extra money from the comfort of your own home while also building relationships that could lead to more permanent ventures.

Moreover, you’re constantly adding extra experience to your CV. There isn’t a better way for newbies or part-timers to give their career a boost in the right direction.

And if you’re not interested in work of that ilk, there’s always online job search tools to help you take the next step up the career ladder.

Become A Subcontractor

If you run a small business or are a self-employed tradesman, then it can be difficult to source a regular flow of jobs. However, it would be a lot easier if you carried out work for a bigger, more reputable company.

The internet is a wonderful resource for building those working relationships. For example, a property appraiser could apply to join a high-profiled appraisal company to get more work. Doing so carries huge benefits for both parties, but especially you as a worker. Sourcing new clients couldn’t get any easier.

Once again, business is often about who you know. Using the profile and contacts of a bigger company to help get extra work has got to be a smart move.

Add A New Stream Of Revenue

The internet is used for many reasons, and entertainment is one of them. If you’ve can express your knowledge of the industry in an enticing manner, then you could use the internet to make extra cash.

Running a YouTube channel with tutorials about the industry could quickly gain a cult following. If you find a way of producing viral content, then you’ll soon start seeing substantial amounts of money entering your bank.

Even if you don’t make huge sums from the videos, they are a great way of marketing yourself or your business. Forming partnerships with other YouTubers or professionals in your industry could really boost your career.

After all, it only takes the right person to find your videos to change your life forever.

How To Go From Investment Ruin To Investment Riches

Investments are very tricky. Part of being an investor is the risk. Sometimes people can take too big a risk and as a result they end up financially ruined for it. Some people can end up not totally ruined, but not in a good position. The good news is that you can turn those finances around with a few strict guidelines and smart ideas. To help you out we’ve compiled a few you might find useful.


Lower Your Investment Amount

One of the most common mistakes in unseasoned investors is that they reinvest significant amounts of profit back into new projects and schemes. Don’t do this. Don’t even invest half of what you have already made in profit. A thirty or forty percent margin is much more reasonable. There are some reasons for doing this. Primary of which is that it is safer. If you make a loss, you still have the other sixty to seventy percent of profit to work with.

Seek Advice

Even if you’ve been investing successfully for many years, some strong losses should urge you to talk to professionals. Some investors may just need another set of eyes on an investment to ensure it looks as secure to them as it does to you. Other investors might need more comprehensive help. Financial advice from Blueprint Wealth can help. Proper investment planning is required if you want to be successful in the long term. Short term profits can be made, but they can never last forever. That’s casino capitalism, and the thing about casinos is that someone always has to lose sometime. 

Keep Your Personal Finances Safe

One of the biggest threats to your investment future is your finances. If your own finances get in such a state you can no longer pay your bills, you’re going to be in some serious trouble. Some investors go down this road, borrowing more and more money just to try making it big on an investment. Before you even reach this dire a situation, you need to stop investing and focus on your own money. 

Save & Reduce Debt

This is related to both the last point and the first point. What should you do with that sixty or seventy percent left out of your profit? You should save it, or use it to pay down your personal debts. Having savings will give you a financial cushion if a series of investments goes very wrong. It should be enough to get you back on your feet and to reinvest again. If you can’t afford quite that much just enough to keep your household finances safe until you can find another career.

Don’t Get Excited

Getting excited about an investment opportunity can severely harm your ability to see the problems with it. You need to be unbiased, and you need to be clear with yourself about the risks. Don’t try to explain away the risks because you like the idea. Just an open mind but don’t be afraid to ask the questions that need to be asked.

Is Suburban Living Really More Affordable Than City Life?

The constant thrill of city life tends to come at a cost. In some cities—particularly the more expensive ones like New York and Los Angeles—you could easily pay $2,000 for a tiny studio apartment and well over $3,000 for a not-so-sizeable one-bedroom. It’s for this reason that so many city dwellers jump ship and move to the suburbs once they get older, married, or just plain sick of paying a premium to live in a box. The allure of extra living space is more than enough to compensate for trading in theater and fine dining for bowling alleys and chain restaurants. But while it’s true that housing is often cheaper outside of cities, suburban living often comes with enough hidden costs to render it practically as expensive as city life. Let’s explore.

Suburban Living


Housing itself is, by and large, unquestionably cheaper in the suburbs as far as rents go. Even the cost of a monthly mortgage payment plus real estate taxes can come in lower than the price tag of a city rental. But consider the maintenance factor. If you rent or buy a larger space out in the ‘burbs, you’ll need to invest either dollars or man hours into keeping it livable. Owning or renting a house, for example, often means being responsible for things like lawn care and snow removal—maintenance items that can really add up if you need to pay someone else to do them for you.


Many people who live in cities tend to use public transportation in lieu of owning vehicles. Depending on where you live, commuting and transportation costs could come in well under $200 a month if you’re able to rely on buses and trains to get around. Suburban life, on the other hand, usually requires a vehicle. If you don’t own one already, that means adding a car payment to your expenses, often to the tune of $250-$500 a month. In addition, there’s auto insurance and maintenance which, if you’re lucky, will cost you another $2,000 a year, assuming nothing major goes wrong—and that doesn’t even include your monthly spend on gas and tolls. 


You’d think living in the suburbs would save you money since, in theory, there’s less to do and entertainment is cheaper. Instead, you may find yourself spending even more money because rather than submit to an endless stream of Saturday night movie screenings in your living room, you’re paying good money to trek into the city and get a taste of the action. In fact, whereas you can often access your plans in a city on foot, in the suburbs, you usually need to drive everywhere, which means spending money before you’ve even reached your destination. Over time, this can add up. 

Final Tally

There’s a good chance you’ll cut your housing costs by moving out to the suburbs, but when you add in your increase in transportation, home maintenance, and entertainment costs, you may find those savings mostly wiped out. If suburban life appeals to you, by all means give it a try—but don’t expect to save a ton of money by doing so.

4 Great Ways For You To Make More Money

Are you struggling for cash, or maybe just want a little bit more pocket money? Then check out these four great ways you can make some more money:

1. Get A Weekend Job

If you’re working throughout the week, but still want to make more money, why not look for a weekend job. You can work part-time hours on Saturday and Sunday to earn yourself some extra cash. You don’t have to work long shifts either, just work for as little or as long as you want. It’s a brilliant way to gain that extra bit of cash if you’re looking to save money for something big. Plus, if you’re always bored on the weekends, then it’s a terrific way to kill your boredom while earning money!

Make More Money

2. Start Investing Your Money

We’ve all hear that famous old saying “you’ve got to spend money to make money” and yes, that’s partially true. There are ways for you to spend money in order make more money, and the best way to do this is through investing. You can trade shares on the stock market and make money that way. Or you could consider building wealth through property investment and start buying and selling houses. There are hundreds of ways you can invest your money, each one offers you a chance to make more money. Investing is great because it can easily be done alongside your day job, and it may not require hours of hard work.

3. Play Online Games

Yes, these days you can actually earn money from playing games online. Some sites online have loads of games where you can win money or prizes from playing them. These games can literally be anything, you can genuinely make money from playing solitaire online! Then you have your run of the mill gambling games, like poker and roulette. While these are high-risk games to play, they do offer you a great way to turn your money into even more money! Especially if you learn how to play it safe and go for small profits over a long period, rather than trying to quintuple your money in one go. 

4. Start Your Own Blog

It is possible for you to make money by writing a blog. If you create a blog, you can then have adverts on said blog that can earn you money. The only issue is, some of these are ‘click based’ ad’s, so you’ll only get paid if people click on them. This means you’ll have to have a large following if you want to make lots of cash from the blog. The key to a successful blog is to produce amazing content. Once you’ve got that, then you have to market the blog successfully, for example, write catchy titles, so people want to click on the posts

Money makes the world go round, and some people have more than others. Sometimes you need more money in your life, perhaps you’re struggling to pay your bills, or you want to buy a car but can’t afford it? Either way, if you do need extra cash, then try out some of the ideas mentioned above.

Is a Smart Car a Smart Investment?

Smart Car
It’s hard to believe that the humble Smart car has been with us since the 1990s. Since 1997, the distinctive-looking two-seater has sold 100,000 units in the UK and is now a common site within heavily urbanized areas.

Even for city-dwellers who have access to a large public transport network, there are still plenty of times when the convenience of being able to take their own car somewhere comes in handy and a Smart car is the ideal solution.

Fuel Costs

The third-generation Fortwo is powered by either of two 3-cylinder engines: a 1.0-liter engine producing 71 bhp or a turbocharged 0.9-liter 89 bhp engine. Both models promise fuel economy in excess of 67 mpg and CO2 emissions below 100g/km. While an all-electric version of the third-generation isn’t expected to debut until next year, there is an all-electric version of the previous model. The UK government currently offers 35% off the cost of a plug-in car, up to maximum of £5,000. The Smart Fortwo electric drive is currently listed as one of the vehicles eligible for the grant


While the low-powered engine may not be able to to pick up speed on the motorway, it does benefit from being one of the cheapest cars around to insure. Smart car drivers rarely reach the kind of average annual mileage that other drivers do because these vehicles are designed for short trips around the city. When combined with their impressive safety ratings--both the 2007 and 2014 Smart Fortwo models have received four out of five stars from Euro NCAP--that means insurance companies are often happy to reduce the price of insurance dramatically. 

Resale Value

Despite their premium feel, one of the most common criticisms of Smart cars has been their high price. However, vehicles can be found on the used market from outlets such as Ridgeway for far below their original asking price. This means that you’ll still get the benefits of reduced fuel costs and lower priced insurance, but you won’t have to suffer the same costs of depreciation that the original owner did.

The benefit of Smart cars were always apparent. It’s small frame made it a breeze to nip around busy cities and find available parking spots that, until previously, only motorcyclists could dream of squeezing into. The Smart car has its other qualities too, though, and may just turn out to be a smart investment.

Why Choose a BMW

A car is a huge investment so you want to be sure you’re getting the right car for you, and that you’ve checked the model you choose is up to scratch. If you’re a professional with an appreciation of the finer things and an avid driver then you really can’t go wrong with a BMW. BMWs represent the perfect balance between speed, good looks, and luxury, without totally breaking the bank. So here’s a guide to help you choose the right used BMW for you. 

Perfect Balance

First off, let’s talk about why you should consider a BMW. Well, in short, it provides you with the perfect balance between performance and practicality. If you happen to be heading off to the German Autobahns it’ll happily do 90 MPH and upwards (and do about 43mpg while it does it!). And if you push it really hard, a 320d model for example, will even do as much as 130 MPH without blinking. That said, you don’t feel short changed on comfort or control, meaning you can easily use it as a touring car and enjoy the roads ahead on a long trip. 

Why Choose a BMW

Choosing a Model

BMW manufacture various styles of car across the whole spectrum of models, including coupes, sedans, hatchbacks, sport utility vehicles (4x4’s) and roadsters, so the choice can seem a little intimidating! Fundamentally BMW offer around 27 different vehicle variations per year, and around 432 model variants of those – such as saloon, convertible, sports and estate to name a few. Of course when buying used you also have the option of buying classic models and older discontinued models as well. Once you’ve chosen your perfect model you also need to consider whether you need petrol, diesel or hybrid car – or even a purely electric car. All in all BMW really do offer a full spectrum of options to suit all needs, so when choosing a model you can truly factor in your lifestyle, vehicle needs (such as how many passengers and how much luggage you’ll need to transport), and average annual mileage. 

Lease or Buy?

Once you’ve chosen the right model for you, you need to firm up your budget so you know exactly what you’ve got to spend. If you’ve got plenty of cash to splash then treat yourself to either a very new used car, or even a brand new one. If your budget is a little more modest don’t despair! Why not consider leasing as a more manageable option? Fixed costs are easier to manage and budget for than a big purchase cost, and leasing lets you make the most of this as while there will be a small initial outlay, the monthly cost will remain fixed during the period of the lease. Lease Car have a great selection of BMWs in a range of sizes and fuel options to make you and your budget happy.  

4 Funding Options for People with Less-than-Perfect Credit

Finding a way out of financial hardship can seem all but impossible when your credit isn't good enough to facilitate approval for a conventional loan or financing solution. The bills keep piling up along with your total debt owed, and without some form of assistance, it can seem like there is no end in sight. If this sounds like the predicament you're currently facing, you can at least take comfort in knowing that there are funding options available for people with poor credit. 

funding options

However, the loan terms and conditions are usually not as favourable as those offered to borrowers with good credit. Still, if you're in need of funds right now and you can't afford to wait until you've repaired your credit score, consider the following four funding options that can help people with less-than-perfect credit:

1. Taking out a Loan against Your Vehicle's Title

If you own your vehicle and it is a fairly new model, you may be able to borrow several thousand against your vehicle's title. However, keep in mind that if you are unable to repay the loan then the lender would have the right to seize your vehicle and take it into their possession, so there is some inherent risk involved in this type of loan. Furthermore, many car title loans charge very high interest rates in comparison to a typical personal loan, so it would be wise to make sure you'll be able to adhere to the proposed payment plan before taking out a loan of this kind. 

2. Applying for a Payday Loan

If you have a steady source of employment and can show proof of income you may be able to get approved for a payday loan, even if you have horrible credit. According to www.verymerryloans.com, these loans are only short-term solutions, as you'll be required to pay the loan back in full on the date of your next pay cheque.

As such, most payday lenders will require that you write them a cheque for the amount that will be paid back, so that they can cash it directly from your account on the date of your next direct deposit from your employer. If you repay these loans on time you'll only lose a small fraction of your pay cheque. However, if you fail to repay the loan, you'll end up owing several times the amount of your cheque in the long-term.

3. Peer-to-Peer Lending

Another way to take out a loan if you have not-so-great credit is to apply for a loan on a peer-to-peer lending network like Prosper. These loans are actually offered by independent investors rather than financial institutions or conventional lenders. As such, many of the lenders on these networks will provide small loans to people with modest credit scores, as long as you have a good reason for wanting the loan, a way to prove your income, and a halfway decent credit score, you may be able to borrow several thousand on a peer-to-peer lending network.

4. Starting a Crowdsourced Fundraiser

Finally, if you have an idea for a product, service, charity, event, or other worthwhile project that might attract the interest and investments of other like-minded people, you might want to sign up for one of the top crowdfunding sites and set up a detailed fundraiser page. Credit is a complete non-issue on these sites, as you're not actually borrowing any money, you're collecting donations to go towards the development of your project. With that said, this is only a route to take if you have a legitimate cause that needs funding.

There's an old saying that goes “just because you can, doesn't mean you should.” Many people with poor credit have made the mistake of making their financial situation even worse by applying for loans with incredibly high interest rates and over-committing to repayments that they know they won't be able to afford. With that said, make sure you have a feasible plan to repay any money borrowed before considering any of the above suggestions.

The Benefits of Investing in Private Equity Funds

One of the toughest things you can try and do on your own is make investment choices. There are a number of different investments out there and trying to find the right one on your own can prove to be very challenging. The best course of action when trying to find the right investments is getting the right professionals to help you. Usually, you will have a number of people who can help you in your area, which means you will have to do your homework. In most cases, the investment professionals you speak to will probably encourage a private equity fund in India or other countries. Here are some of the benefits you can gain when investing in private equity funds. 

Equity Funds

Relatively Low Risk

One of the first benefits you will be able to take advantage of when choosing to invest in private equity is the low risk factor involved. For most new investors, finding a low risk investment is a top priority due to their low level of experience. The last thing you want to do is deal with market volatility on your first few trades due to the stress you will have to deal with. 

Lots of Options

Another reason you may want to invest in private equity funds is the selection you will have. The private equity market is much more diverse than regular stocks. This means you will be able to look at a number of different accounts before deciding where to place your money. Make sure you talk with the professionals you are using to get some advice on what funds look the safest for you. The time you spend talking with the professionals about your needs is worth it when they are able to help you pick the right funds to invest in. 

Very Transparent and Easy to Follow

Yet another benefit you can gain when choosing to invest in a private equity fund is the transparency it allows. When dealing with these funds, you will not have to worry about any jargon or confusion. The rate of return on these types of investments is pretty cut and dry, which is ideal for most new investors. Make sure you talk with your investment professionals about what you can expect from the funds you have invested in. This will allow you to avoid any unwanted surprises during this process. 

If in need of help with your private equity investing, then be sure to contact the team at Excel Funds. They have a good deal of experience in this industry and can give you the sound advice you are looking for. Call them or visit their website. 

Small Steps to Create a Green Company

Turning a large company into a green, eco-friendly one doesn’t happen overnight, no matter what the business’s press release might say. Instead, emission levels should be measured and other factors taken into account for drawing up a long term plan to become more energy efficient over time

Green Company

Everyone in the company needs to chip in to achieve this and starting with small changes will make it easier. For new businesses this should be adopted from the start, while established ones can introduce them one at a time. Such adaptions can save money too.  

Employee Travel

A great way to save petrol money and reduce the company’s carbon footprint is to set up a car share scheme for those who drive to work. Encourage employees to use public transportation where possible but when it isn’t, offer incentives to those living close together to share lifts. 

If you provide company cars, cut back on the number given out, explaining to workers that it’s for the best of the car share scheme. This should result in cheaper fuel costs for employees as well as benefitting the company’s green credentials.  

Recycled Stationery

Every office ploughs through paper, printer ink and other items of stationery on a regular basis. Switching to use recycled paper, pens, pencils and more will have a positive impact considering the amount that is used every day. Some people worry that the paper quality may be inferior but the majority of times work related material is printed out it doesn’t have to be.  Reserve regular paper for such occasions. Refill old ink cartridges rather than purchasing new ones, which costs less as well. 

Set Up a Recycling Scheme

A recycling scheme in the office doesn’t have to be a complex system. Provide separate paper, plastic and can recycling bins along with one for waste food. All buildings should have council provided waste disposal (including recycling bins) which these can be correctly separated into at the end of the day. Food waste could be added to an employee’s compost bin. 

Green Web Hosts

Web hosting is important to a lot of businesses and there are a variety of companies providing these services with a green ethos. Green web hosting companies use renewable energy, plant trees and buy carbon offsets to reduce the environmental cost of running servers. These small changes may not seem much, but over time will make a good first step to reducing your business environmental footprint. 

Know your options: Rental car insurance on a credit card

We are used to have our cars covered to keep ourselves from dangers of the road.

When you rent a car on a vacation or a business trip, you have several options to put into the insurance box of the rental agreement. 

Rental car insurance

It helps if you have a primary insurance for your own car  - the same policy usually covers a rental car as well. But when travelling abroad, you are usually left with one of two options – a Collision Damage Waiver(CDW) from a rental car company, or a free CDW, provided by your credit card issuer.

Major credit card payment networks in US – VISA, MasterCard, AmEx and Discover offer that feature on their products, but the details are slightly different.


VISA offers rental car insurance on all types of VISA cards, making this benefit available to all VISA cardholders. The main limitation is that only 15 days for domestic travel is covered. For out of the country travel 31 days are covered by this policy which is in line with other credit card offers.

A good example of how VISA card can get your rental car covered is the Chase Freedom Collision Damage Waiver. 

Recently Ireland, Israel, Jamaica and Northern Ireland were excluded from coverage, but now VISA say that only the countries where such insurance is illegal are excluded. It’s left on to a cardholder to investigate if the country where you are planning to travel bans such insurance.

Master Card

MasterCard includes a CDW policy very similar to VISA’s into its Platinum, World, World Elite and Gold cards.  The only visible difference in coverage between VISA and MasterCard is that MasterCard covers a 9-seater passenger van, when VISA covers up to 8 seats only. 

American Express 

AmEx banks payment network offers a secondary policy, much like its larger peers, but in addition it can give you the option to buy primary type insurance for a fee. For a $24.95 you can get a primary coverage for 42 days (or 30 in a Washington State) with a $100 000 maximum.  


Discover is falling behind other major payment systems in terms of provided rental car piece of mind for its clients. Max coverage limit is only $25,000 and only the holders of More, Miles, Open Road and Motiva are eligible.

Loss of use fees is not covered, which is worse than VISA, MC or AmEx can offer.

Credit cards policies are a good and free option for that situations when your rental is not covered by your primary insurance. Travelling abroad is one of the cases. All credit cards require you to put the full amount of rental cost on a credit card, decline rental car collision coverage and authorize all drivers in the rental agreement. Complying this simple rules will let your credit card to ever you from unexpected when travelling and provide you with piece of mind.

Where to Save Money around the House

All good budgeting starts at home, and if you’re dead serious about cutting the costs of living, then take a tour of your home and find out where you’re spending more than you should, or more than you need to. You might be surprised just how much you could save each month just by making a few changes. Here’s a quick guide to get you started in different areas of the house.

Living Room

The living room is probably one of the rooms you’ll spend most of your time in, which naturally means that it’s going to be one of the ones that uses the greatest amount of electricity. As we all know, it’s fairly straightforward to save money on this bill. Make sure that all of your electrical items are switched off at the mains when you’re not using them. Your TV might have a standby mode, but it’s still going to be consuming power. Another thing to think about is heating. If you’ve got your sofa up against the radiators, then you might be wasting gas and electricity here, because the heat won’t properly circulate the room.

Where to Save Money around the House


Lots of people these days hire a gardener for an hour or two each week or couple of weeks to keep the garden tidy and looking good. It’s not so expensive, or so you might think. Add up the cost throughout the year. You’d be far better spending the money on a few tools like strimmers and clippers to do the job yourself. It doesn’t take long, and it’ll save you another bill coming out of the pay check each and every month. Similarly, you could wash your own windows with an extendable washer, rather than having someone do that for you.


With all of the electrical and gas equipment to be found in a kitchen, it’s no surprise that this is likely to be where the vast majority of power is consumed, and it’s very easy to save money. The oven for instance should always be at the correct temperature, and you don’t want to have excess cooking trays in their either. The fridge too should be no cooler than it needs to be. You can also hunt for cookware that you never use in your cupboards, perhaps that has been given as a gift; you might be surprised at how much you can sell it for. Brands like le Cruset especially.

Why a Crossover Vehicle is Perfect for Your Family

If you’re looking for a new car for the family, you’ll need something that has enough space for everyone, has great fuel economy, and, of course, is available for a good price. Their competitive pricing and all-in-one mentality makes them the ideal option families searching for a single vehicle to last them the long-run.

What Is a Crossover Vehicle

Crossover vehicles are a relatively new product range popularised in recent years by cars like the Ford EcoSport and Audi Q3. What makes crossovers unique is that they take features from sport utility vehicles (SUVs) as well as passenger vehicles, station wagons, and even hatchbacks. The result is specialist model that takes the best aspects from all of their competing vehicle categories. This strategy has seen them cut into sales that previously belonged to the SUV market, especially across the United States. 

Crossover Vehicle

What Are the Advantages

Comfortable to drive: The design of the crossover means you benefit from the high centre of gravity and high ground-clearance typically found in an SUV. The high seating allows you to sit in a comfortable, upright seating position, which improves outward visibility. While SUVs feature substantial suspensions designed for for off-road driving, on the road, these can often feel uncomfortable and more difficult to drive. Though many crossovers have the functionality for light of-road activities, they’re typically designed for road use. 

More storage capacity: Finally, what many families look for in a car is space, whether it’s to handle the weekly grocery shop or to allow the neighbours kid to hop in on the morning school run. The extra space allowed in SUVs made them very popular for this, but you can find the same kind of results with a crossover. The stylish five-door Audi Q3, available here, has an impressive 16.7 ft³ cargo volume, or 48.2 ft³ with seats down.

Better fuel efficiency: Because SUVs are typically built to fit onto truck-based platforms, they're much heavier than crossover vehicles that use a car platform. This extra weight can make SUVs tough to stop, and results in them having much less efficient fuel economy ratings than similar crossover vehicles. The Honda CR-V is the best selling in it’s class range over the last several years, and it’s two-wheel drive model gets a combined EPA rating of 24 miles per gallon.

Crossover vehicles represent the best choice for most families. For getting the best deal on your new car, take a look at our money saving tips for the frugal driver.

Is a Hybrid Really the Next Step?

With the popularity of hybrid cars growing in the UK, the decision to finally make the switch is becoming a more viable option for many individuals. Not only are you helping the planet, but you can also expect to save significantly on the cost of fuel. What’s not to like?

Hybrid cars

Well, with the extra money you’ll be spending on electricity, the savings might not be as large as you initially expected. There’s also the fact that hybrid vehicles often demand a premium over their standard equivalents. This means that those working on a tight budget may have to look elsewhere. Choosing a vehicle with a highly efficient engine, like the latest Ford Fiesta range, is the next best thing.

Ford EcoBoost

First introduced to us at the L.A. Auto Show in 2009, the goal of Ford’s EcoBoost technology was to create an engine with the level of power and torque consistency its customers expected, but in much smaller, more fuel efficient package. To tackle the inherent size constraints, the company used a combination of turbocharging and direct fuel injection in an effort to to offer a competitive alternative to the power output and fuel efficiency often seen in hybrid vehicles.

Potential Savings

Most people aren’t interested in the nitty-gritty details though. What’s important is how will it affect them or, more specifically, how it will affect their bank balance. Ford claims that cars using this new technology can expect to achieve approximately 20% better fuel efficiency and 15% reduced greenhouse emissions compared with vehicles of similar power.

Available Options

Thankfully, all of this comes at the same affordable prices we’ve come to expect from the company’s Fiesta range. The latest 2015 range starts from £8,995 or £148.79 on a monthly rental contract from Select Contracts. It’s three-cylinder, 1.0-litre EcoBoost engine can deliver up to 123 bhp with an EPA rating of 85.6 mpg. CO2 levels are down to the lowest they’ve been, clocking as low as 87g/km.

For those worried that in order to get this performance the Fiesta would have to compromise in other areas, such as safety, think again. The Fiesta received a four-star safety ranking from the NHTSA and features many of the company’s advanced safety features, such as Ford SYNC and Active City Stop technology.

Those in the market for a new car have a host of options available to them. For those shopping on a budget, though, the Fiesta may be the best option out there.

Don’t postpone saving money while going through tough economic conditions

According to recent reports we are aware of the fact that gas prices and the cost of groceries are rising faster than inflation. Everywhere people are feeling the pressure of the present economy and for most of them, the thought of saving money has become a distant dream. Yes, it is true that when times are tough, saving money is difficult as it becomes simply hard to make ends meet. After meeting all the basic necessities of life, where is the money to save? However, you should be sure that even while you’re living paycheck to paycheck, there are certain ways in which you can save money. There is no substitute to saving money and hence you have to follow certain rules in order to continue with this noble habit. Read on the concerns of this article to know the ways in which you can save money during tough economic conditions and avert the risk of falling into debt.

tough economic conditions

Start off with a small amount

Remember that saving money is not a sprint, rather it’s a marathon. When you’re planning to save $1000, this will certainly be easier when you obtain that goal in a year rather than a few months. So, if you wish to put your savings goal into work, you always have to start small. Don’t you think you can ultimately save $5 in a week to end up saving a huge amount in the long run? Saving $5 in a week won’t sound too huge and therefore this can be accomplished easier than saving $1000 in a year. So start small!

Auto-pilot your savings account

You must have heard about this tip before but if you wish to follow this tip, you need to save money at the first place. If you feel that you can only save money once you’ve paid for all the groceries and bills, you will always come up empty. The key to saving money is to treat your savings as a bill which is your obligation. Think of your monthly savings as an obligation that needs to be paid and pay it off before your money is spent on other items. Create an automatic savings plan where a fixed amount of money will be deducted from your salary account and transferred to your savings account.

Stop using your credit cards

Didn’t you know that your credit cards are the main reasons for the present debt situation in the nation? How about stopping the usage of credit cards in order to avoid falling in debt? When you have the option of carrying cash instead of credit, why would you carry your plastics when you’re sure that this would lead to a serious debt mess in the long run? Stuff your wallet with cash and let go of the habit of taking resort to credit when you can’t afford things with cash.

Strictly follow a budget

When the financial time is not smooth enough, you should stress on the importance of following a budget. Without following a budget, it is almost impossible to stay within your means in the present economic conditions. Once you’re able to live within your budget, you can soon start reining in your finances. The budget should be frugal where all the unnecessary items would be done away with. 

Evaluate the budget at the end of the month so that you may add some space for improvement for the next month. Resolve never to lead a life beyond your means and control your temptations to be on the safer side. 

Try your luck

Sometimes when you get failed to maintain your budget by doing everything then your luck can help you there. Now a days playing online games and earning money is very popular, so you can also try your luck there but the main thing to choose the right place to play. There are so many online gaming companies like igamingbusiness.com on which you can trust. The only thing is authenticity which gives you the best results, so you must try your luck for once.