Author: Susan

Building a Team For Your Startup

The number one reason startups fail is due to people problems. Beginning a business is already a stressful matter, and making first hires only intensifies the situation. Startup founders want to make sure they are hiring people who are aligned to the company’s culture and values.

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3 Ways Telehandlers Can Help Out on a Farm

Farms have come a long way from the hand-tilled stretches of land from past decades. Today, farmers use a number of modern technologies on their farm properties. One of these advances is telescopic handlers, also called telehandlers. This multipurpose machine has both the properties of a forklift and a skid-steer loader, making it an ultimate piece of equipment to use on a farm. Explore three ways telehandlers can help out farmers.

Move and Stack Hay Bales

Bales of hay are deceptively heavy. While they look like a small bundle that you could easily lift over your shoulder, the typical hay bale weighs between 40 and 140 pounds. If you used manual labor for this task, you’d need to employ an army of strong arms and backs for the day. Round bales of hay start at about 1,000 pounds and go up in weight.

Having a telehandler solves this problem. All you have to do is use this machine to get underneath the bales. The telehandler can lift up the bales and move them anywhere you’d like, such as your barn or a truck. In fact, many farmers rent telehandlers during the late spring and summer months to help move around their hay bales.

Tow Trailers

Farms have much heavy equipment. Often, this equipment comes in the form of trailers loaded with produce, manure, and other farm products. Sometimes, trucks can handle moving these items around, but trucks don’t have a tight turn radius and may get stuck in fields. Telehandlers, however, can fit into tight spaces without an issue. They’ll be able to grab a trailer and take it wherever you need to go.

If you’re in a pinch, you could also probably tow an ATV or small tractor with your telehandler. However, be sure you don’t go above the maximum payload or towing capacity.

Pack Down Silage

If you live on a farm, you already know what silage is. For those who don’t, it’s a mound of pasture grass that has been preserved to feed to animals during times of drought or cold. Silage is made by cutting grass, collecting the wilted pieces, and fermenting the pieces by throwing them into a pit and pressing them down into the earth.

Telehandlers perform this function magnificently, as they have a crab-steering function that allows them to pack down the grass while getting as close to the edges as possible. Then, the smashed pile will be covered with plastic to keep out oxygen, quicken the fermentation process, and produce a product that livestock will love to eat.

As you can see, telehandlers are an invaluable tool for ranchers and farmers. Not only will this piece of heavy equipment help increase productivity around an acreage, but it will also reduce the risk of injury and save you money on labor and supplies. Renting a telehandler can also help you save on the space you would need to store this piece of equipment on your farm property.

The Best Money-making Tips for Choosing a Broker When You Trade Online

A financial expert at Olsson Capital confirms that when trading online with the sense of making a huge amount of money, it is essential for you to choose only the best broker to assist you with your individual needs.

A few financial specialists will pay higher exchange commissions for a cutting-edge stage; others check costs to the exclusion of everything else. Settling on the best alternative for you implies measuring the accompanying elements, which fluctuate from broker to broker. Here are a few tips to help you make the decision:

Focus on account essentials

The amount you need to contribute may weigh down your decisions. Introductory store prerequisites at online brokerages skew toward $1,000 or more. There are two reasons for this: It’s hard for brokerage firms to profit off little records. Many common finances additionally require comparable least speculations, which implies, regardless of whether you’re ready to open a brokerage account with a little measure of cash, it could be a battle to contribute it if shared assets are what you’re after.

On the other hand, the less cash you need to contribute, the harder it is to accomplish appropriate enhancement. In the event that you have a single egg, you can put it in one crate and still manage a successful venture.

Other absolute necessities on your rundown can point to a broker with a higher least adjust prerequisite, enabling you to develop a pot of cash in a plain old bank account and at that point, exchange it over when you have enough.

Consider your trading style and tech needs

In case you’re an amateur financial specialist, you may not plan to exchange as often as possible. You ought to keep away from brokers that charge an inertia expense in the event that you don’t meet a base number of exchanges every month, quarter or year. Search for brokers that offer the ventures you need and no more sensible cost. You most likely won’t require additional items, similar to a propelled trading stage.

However, you may need training and a little hand-holding. This could incorporate recordings and instructional exercises on the broker’s site, or in-person courses at branches. Many brokers offer these administrations allowed to account holders.

Dynamic merchants will need to search for a brokerage that backings that sort of recurrence. That incorporates measuring a broker’s trading stages, investigation devices, research and information offerings notwithstanding commissions, including rebates for high-volume merchants and expenses.

A lot of excellent online brokers offer access to trading stages, instruments and research for nothing. Thus, be careful with brokers that nickel and dime each element; those expenses can include rapidly. You may get your cash’s worth from a broker that charges higher-than-normal commissions yet offers a propelled, great trading stage.

Exploit advancements

Online brokers allure new clients with bargains, offering various sans commission exchanges or a money reward on certain store sums. It isn’t insightful to pick a broker exclusively on its limited time special. A high commission over the long haul could undoubtedly wipe out any underlying reward or investment funds. However, in the event that you’re stuck between two choices, advancement may influence you one way or the other.

Watch out for account charges

Expenses can be avoided by essentially picking a broker that doesn’t charge them, or by quitting administrations that cost extra. Normal expenses to keep an eye out for are:

  • Yearly charges.
  • Dormancy expenses.
  • Additional charges for broker-helped exchanges.
  • Trading stage charges.
  • Additional charges for research and information.
  • Paper articulation expenses.

You will most likely be unable to maintain a strategic distance from account charges; however, you can limit them. Most brokers will charge an expense for exchanging out assets or shutting your record. In case you’re exchanging with another broker, that new organization may offer to repay your exchange expenses up as far as possible.

No matter whom you partner with when choosing a broker, trading online can better your financial standing. All you need to do is find an online trading style that suits your needs, accompanied by a broker to assist you to get the best out of your financial deals.

Ways to Finance Your Prepper Lifestyle

Being prepared if disaster strikes is about more than just having a few candles, batteries, and canned goods in the basement; it’s a lifestyle. It requires the continual understanding of current events and how it impacts your way of living. Being a prepper means you’re constantly investing in things that will help both you and your loved ones to survive in the event the worst-case scenario happens. The lifestyle can get costly, especially since you still must maintain your existing financial obligations. If cost has kept you from prepping, these tips should help you get the cash you need to prepare.

Get Rid of What You Don’t Want

Selling items that you no longer have a use for have become extremely easy thanks to modern technology. If you’re not the yard sale type, you can still make a decent profit on items you have lying around the house. There are online classifieds in which you can advertise things for sale and review online inquiries from interested buyers. There are also e-commerce platforms like eBay where you can sell unwanted items online to the highest bidder. Lastly, you can snap a few photos and sell your things through apps like OfferUp and Decluttr.

While everything has some value to someone else, some of the more popular items to sell online include television sets, computers, mobile devices, clothing, and furniture. You can turn a profit and use the money to purchase things you’ll need to weather a storm, natural disaster, or nuclear war.

Borrow the Money

If you want to fast track your prepper lifestyle then you’re going to need a large sum of cash upfront. This chunk of change can be used to build a stockpile of items you’ll need to survive. If you don’t have the funds in a savings account somewhere, you could consider your option to borrow the money. You can apply for installment loans online fast and receive funds in your account within 24 hours. This short-term loan could be as much as $1200 and could really provide you the startup money you need.

Fortunately, online installment loans don’t require collateral or a high paying job. All you need is to be of legal age, have proof of income, and a good standing checking or savings account for deposit. The payments are then broken down into smaller amounts over several weeks or months to give you time to repay.

Pick Up a Side Hustle

Though you may not have enough time to commit to a full business, you can earn some extra money by starting a side hustle. A side hustle is essentially something you do on the side to bring in more money. It can be something that you’re passionate about or it can simply be something you’re skilled in.

Determine how much you’ll need to start investing in your prepper lifestyle, then determine which side gigs will help you to generate the income you need. There are a lot of lucrative ideas including affiliate marketing, blogging, app development, baking, babysitting, catering, cleaning services, lawn care services, and more. Just find something you’re good at or passionate about and set the ball in motion.

Cut Back and Budget

More often than not, the money you need to start preparing your home and family is already in your possession. However, you’ve adapted to spending your money on so many other things, that you don’t realize it. If you want to find a way to fund your prepper lifestyle without having to borrow the funds or take on a side hustle, you’re going to need to dig deep into your personal finances.

Start by reviewing your spending. Are there things you can reduce or eliminate? Some common areas of overspending include entertainment and food. Try finding affordable alternatives such as renting movies instead of going to the theater or buying generic food brands instead of store brands. The more fat you’re able to trim off your budget, the more money you can find to use for prepping.

If you’re going to start building your stockpile and preparing for whatever the universe may throw your way, it is going to require some cash. If you currently don’t have the extra funds, you’ll need to properly prepare for worst-case scenarios; there are solutions to getting the money you need. Determine which of the above-mentioned options is best for you and begin with a game plan for how you’ll succeed at accumulating cash.

Tips For Practicing Prepping And Survival On A Budget

With the current shape of the economy and nuclear war hanging over your head it is an extremely good ideal for anyone to learn how to prep and survive. With that being said, the whole process is not easy, as you will have to build a shelter, buy supplies, and stock it with all the essential amenities. Are you on a limited budget, or are you finding that prepping is completely draining your savings fund? Well, you are not alone as many survivalists face the same situation every day. The most important thing is to know where and how you should spend your funds. Below, you will learn some tips and tricks that will help you prep and prepare your doomsday shelter on a budget.

Learn To Pay Yourself First

While prepping and survival is your number one goal, you should never drain your entire savings account to achieve your goal. It is imperative to always have an emergency fund for unexpected situations. Instead, you need to learn to be more efficient with your income. This will not be an easy process, so you want to start out small. When your next check arrives if you can pay yourself 10% before you pay your bills, you will truly come out ahead in the long run. If this seems like too much don’t be afraid to start out with 5%. Just simply place the next 5 to 10% of your paycheck in a jar before you pay any of your bills and stow it away for your doomsday shelter.

Make Yourself Shop With Cash

It doesn’t matter if you are a probation violations defense attorney or you are a blue-collar worker, it can be truly so much more convenient to pay with credit cards and debit cards. Unfortunately, these payment methods usually lead to overspending. If you are on a tight budget you trying to save money, you might be surprised to learn that you can save anywhere from 18 to 20% by just shopping with cash. In addition to this, when you physically see that money disappear from your wallet or purse it really makes you want to hang on to it longer.

Know When To Buy Name Brand And Discounted Items

When it comes to prepping and survival there are some items that are just essential. With that being said, those items might not need to be top of the line. It is entirely possible that you can get by with an off-brand tent or an off-brand flashlight. However, there are some items that you truly don’t want to skimp on like water filters and canned goods.

Home Canning

Housewives, gardeners and farmers have utilized home canning for many generations as a way to preserve fruits, vegetables and meats. This process was specially designed to help people store their foods safely for longer periods of time. Some home-canned foods can last up to one year or longer. If you grow vegetables and fruits, which can definitely reduce your grocery bill, consider utilizing the home canning process to store them.

Use Coupons For Supplies

When it comes down to it, the modern survivalist needs access to tons of supplies. They need food, batteries, water and other items. These things can be incredibly expensive. One of the best ways to offset the costs is by using coupons. Coupons are totally free and they can help you save a little extra money on each and every item you purchase. Then, the money can be put to good use ensuring you and your family is able to survive an emergency.

What School Won’t Teach Your Kids About Finances

There’s a reason there are so many financial bloggers on the internet. It’s because so many young people have trouble with finances.

Obviously this wouldn’t be the case if they had been taught to do these things from a young age. But whose responsibility is it? Does it belong with schools or parents?

I think the answer is that both should share that responsibility. However, since most schools won’t teach your kids about finances here are some things they should know.

How to Open a Checking Account

Help your child open their first checking account when they become responsible enough. Let them earn money and deposit it into the account as well as make withdrawals occasionally.

Balancing their statements each month is important so teach them this skill as well. These are things they will not automatically know and school won’t teach them.

Learn to Budget

You can’t rely on the school system because they may not teach your kids about finances. If you want your child to have bright future financially, you need to teach them how to create a budget.

As you teach them to budget you might consider using a budgeting app. This may help you keep their interest and show them how easy budgeting is. It also allows them to budget from their cell phone, if they have one.

Teach your children how to adjust their budget as their income or needs change. This is crucial to their future financial success.

Your children need to learn to set goals and priorities for their spending. Allow them to save money toward a larger future purchase so they learn these lessons.

They also need to work for at least part of their money. Giving them everything doesn’t teach them the true value of money.

Avoid Debt

School won’t teach your kids about finances so help them learn how to avoid debt. For example, teach them not to use credit cards unless it is an emergency.

Remind them that if they do use a credit card, they should pay it off as soon as possible to avoid high interest charges. If they need to get a loan for college, teach them to how to pay off student loans as fast as they can.

Help your children understand that another way to avoid debt is to not try to outdo or compete with their friends. That type of spending will get them into debt and won’t impress real friends anyway.

Show them that if they get off track with budgeting to examine why so they can correct the behavior and stop it from happening again. Let them know they should not stop budgeting just because of a setback.

Open a High Interest Savings Account

When the school won’t teach your kids about finances, show them how to open a high interest savings account for emergencies. If they start an emergency fund when they are young they will be more likely to continue the practice of saving in the future.

Invest for the Future

Another thing school won’t teach your kids about finances is how to invest for the future. That means it is up to you to instruct them.

Let them know about 401K plans they could sign up for once they get a job that offers them. Help your child to understand that employers contribute some of the money toward these plans. Make sure they know that they should take advantage of this opportunity to invest for their future starting when they are young.

Explain how compound interest works. Show them other investing options too. When they have a greater understanding of how investing is done they will be more likely to start doing it early on.

Watch Out for Scammers

It’s a sad thing that we must teach our kids to watch out for other people that could try to scam them. However, to keep them safe it should be done.

Instruct your children on the best ways to keep their information safe from those who would steal it or their money. You should also make sure they know that not all offers of free merchandise are legitimate. Some are a means for criminals to gain their information or steal their money.

Jeanne is a married mother of 2 children who works as a full-time freelancer and also helps out occasionally on the farm she and her husband own together. Her background is mostly finance and medical office management.  She’s currently working to improve her financial well-being and hopes to help others improve theirs as well.

There are many kids who grow up without the knowledge to handle their finances with skill. Parents assume schools teach it and schools assume parents teach it.

Don’t make that mistake. Share what school won’t teach your kids about finances so yours are prepared to care for themselves once they are on their own.

Are there other financial related things you should be teaching your kids?

Save Money and Pay Off Debt Faster with a Personal Loan

Are you having a hard time paying your bills every month? Does it feel like you will never get yourself out of debt? If you answered yes to these questions you are not alone in your plight.

Having too much debt is a common problem many people face. Whether it is from mounting medical bills or simply spending more than you should the bills can get out of control quickly.

But is there a way to save money and pay off debt faster? You may be able to do just that by getting a personal loan.

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Should You Turn Your Hobby into a Career?

Ever wondered how you ended up in your profession? Did you choose it when you weren’t sure what else was out there or did you just fall into it by chance? Many of us work in jobs we’re not particularly interested in just because they pay well, or they provide us with the stability we crave. While these might be great ways to justify staying in your job, if you don’t love what you do, it can make the path to fulfillment tricky.

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How to Pile Presents Under the Tree for Less

Christmas preparations in retail many stores across the country are already in full swing. Artificial trees are lined up in rows. Garlands, ornaments, and lights are just waiting to be paid for and taken home so they can adorn many a tree.

Toys and other gifts have been stacked up (sky high in some cases) on shelves so customers can start their Christmas shopping early if they would like.

But for some people, buying presents for loved ones can be hard on their budget. This year the price of a single, nice gift is not cheap. As a result, if you have a big list it may be financially difficult to cross all of the names off.

Fortunately there are ways you can pile presents under the tree for less.

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