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Wise Financial Tips Everyone Should Follow

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As it’s a smart move to continually increase your finance knowledge, continue reading to discover a couple of financial tips that everyone should know!

Wise financial tips everyone should follow:

1. Don’t give out your pin numbers or bank account login details to anyone

It may seem self-explanatory but you may be horrified to discover just how many individuals share their pin numbers for their debit and credit cards or their online bank account login details with their friends and family members.

While in the perfect world you would be able to trust your loved ones unconditionally, in reality even someone who you trust unconditionally such as a spouse could use your pin number or log in details to withdraw money from your accounts, without your expressed permission.

So do yourself a massive favor and keep your pin numbers and your bank account login details to yourself.

2. Don’t use the same pin numbers on each of your cards

Again, you would be surprised to discover the percentage of individuals who use the same pin number for all of their debit and credit cards. Which is a serious security risk as if one of your cards becomes comprised, all of your cards will effectively become compromised. Which is a scary thought!

3. Don’t allow your laptop or smartphone browser to save your bank account’s login details

Whatever you do, don’t allow your laptop, tablet or smartphone browser to save your bank account’s login details. As you don’t want another individual to use your electronic device and to have access to your hard earned money!

4. Make sure that your bank accounts offer competitive interest rates

While most people are loyal to a single bank, it’s a far wiser move to put yourself first and to do your banking with the bank which is willing to offer you the most competitive interest rates available.

Just think if you’re able to switch your long term savings account to a bank that offers an interest rate which is 2% higher than your current long term savings account, what a difference moving banks will have 10 years down the track. Especially when you factor in compound interest into the equation.

5. Don’t be afraid to ask your bank manager to consider giving you a higher interest rate on your long term savings account

The more money you have in your long term savings account, the more clout you’ll have with your bank manager and the more likely they’ll be to offer you a higher interest rate. Than the interest rate which their bank commonly grants clients.

6. Also, make sure that your bank account doesn’t charge you fees for taking money out of your chequing account

Not all banks charge fees when you take money out of your chequing account to pay for everyday purchases using your primary bank account card. So if your current everyday chequing account does incur such fees, it’s definitely the right time to change the bank which you currently deal with.

Remember that there’s no time like the present to adopt the wise financial tips listed above into your everyday life.

Business Tips That Are Well Worth Implementing

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While you could read dozens of articles that feature generic business tips if you’re interested in learning business tips that can seriously help your business become more successful, continue reading to discover a list of tried and tested business tips.

Business tips that are worth implementing:

1. Make sure that you’re always on top of your business’ finances

While many business owners give the responsibility of managing their business’ finances to a business partner, accountant or team member, in reality, every business owner should make an effort to keep to date with their business’ finances.

As an example, every business owner should know the value of their businesses assets, the total value of their business’ liabilities and their businesses monthly financial statistics. Such as their business’ monthly revenue and profit.

By keeping on top of your business’ finances you should find that you’re better able to make the best possible business decisions.

2. Get rid of negative or low performing employees as soon as possible

While it may be hard to sack individuals if you don’t fire negative or low performing employees your business will suffer in the long term. So it’s well worth biting the bullet, so to speak and culling any unproductive, lazy or negative employees as quickly as possible. Before they have a chance to make a negative impact on your business.

As an example, if you fail to fire a staff member who is surly and treats your customers with an arrogant or unpleasant attitude, they may turn dozens of customers away from your business. Who then may go on to tell their friends and family members to avoid doing business with your company.

3. Hire employees who have skills that you don’t have

While some business owners may be threatened by the idea of hiring individuals who boast skills that they themselves don’t possess, it’s a great idea to hire employees who boast skill sets that you don’t have. As together you’ll be able to build a more successful, more effective business.

Also, realize that time is limited and no matter how hardworking or intelligent you are, you don’t have enough time to learn every skill that your business needs yourself. As an example, instead of spending countless hours taking web design classes, it’s a far more cost-effective idea to hire a staff member who already has exceptional web design skills which you can use to your business’ advantage!

4. Keep your business separate to your personal life

Make sure to keep your business separate to your personal life as your business should always be run as a business. That means that you should never start giving out free handouts to people you know as they will in all likelihood continue to ask you to provide them with free or heavily discounted goods or services. Keep in mind that your business is not a charity and shouldn’t be expected to run like one!

So what are you waiting for? As all of the business tips listed above are well worth implementing, it’s a great idea to start using the advice which you read above today!

Home and Garden Advice

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Taking care of your home and garden doesn’t have to be an arduous process. In order to discover a few simple tricks to taking care of your home and garden, simply continue reading.

Home and garden advice:

1. Consider making your own natural homemade pest spray

If you’re concerned about the ingredients which are contained in most store brought pest sprays, you have the option of making your own homemade pest spray.

Examples of some of the homemade pest sprays which you may want to consider creating include a rhubarb leaf spray as rhubarb leaves are toxic to most pests such as insects and a garlic or onion spray as both garlic and onions give off strong scents which repel unwanted pests.

If you’re interested either google rhubarb leaf spray, garlic spray or onion spray to find a full list of the ingredients which you’ll need as well as handy step by step instructions.

2. Start growing seedlings inside, instead of in your garden

One way to ensure that your seedlings thrive is to start growing your seedlings inside near a window which lets plenty of natural sunlight into your home. As if you choose to start growing your seedlings indoors, they won’t have to contend with the elements such as heavy wind and rain and will be safe from pests.

3. Use lemon juice to clean hard to clean areas and surfaces in your home

As examples, you can squeeze a bit of lemon juice on to a damp sponge in order to clean your kitchen and bathroom countertops and the inside of a dirty microwave.

4. Consider making your own all-purpose cleaner

If you’d love to be able to make your own homemade all-purpose cleaner which you’ll be able to use to clean every surface in your home simply mix one quart of warm water and four tablespoons of baking powder into a plastic spray bottle.

To use your new all-purpose cleaner simply spray it onto a sponge and you’ll be able to get to work cleaning your home’s surfaces. Such as your fridge, your stovetop and your bathroom countertops.

5. Use a bit of toothpaste to remove pen marks from wood surfaces

If you notice pen marks on some of your wood surfaces such as wooden floors or furniture, simply rub a bit of toothpaste onto the affected area and you should be able to buff out your pen stains.

6. Place lemon rinds in your trash can in order to keep it smelling sweet

If you hate the smell which your kitchen trash can gives off, simply get into the habit of placing lemon rinds in your trash can every few days. Once you place your lemon rinds in your trash can douse them with a splash of water and you should find that your trash can stops smelling so awful.

7. Sprinkle your pet’s bed with a bit of baking soda

If your pet’s bed gives off a funky odor, simply sprinkle their bed with a little bit of baking soda and their bed should smell as good as new.

So why not pick the home and garden tip listed above which most interests you, in order to try it out for yourself?

How To Save Money When You Travel

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If you love traveling but hate checking your bank balance after your international trips, simply continue reading to discover a few handy tips on how to save money when you’re traveling.

How to save money while you travel:

1. Visit fewer destinations during each trip in order to slash your travel costs

If you stay in one destination for the entirety of a trip, you’ll save money as you won’t have to pay for connecting flights, trains or buses and are more likely to receive a cheaper rate on your accommodation. As generally the more nights you book at the same hotel, the larger a discount you can expect to receive on your nightly rate.

As an added benefit, if you spend more time in each city you visit, you’ll be able to get a true sense of the destination you’re visiting and will be able to explore each city which you visit in greater depth. Which is what travel is all about!

2. Consider traveling at night

In order to save money on accommodation, you may want to consider traveling at night. As a bonus red-eye flights are often far more affordably priced than more popular flight times.

3. Consider becoming a paid house sitter

Instead of splashing out on hotels, fancy apartments and resorts, you may want to consider applying to be a paid house sitter. As you’ll be able to explore a new city from a temporary home away from home, which will offer far more space than your standard hotel room.

4. Consider listing your own home on a house exchange website

Alternatively, if you’d love for someone to ensure that your home is safe when you’re traveling for an extended period of time, it’s a great idea to consider listing your home a house exchange website. Where you will receive offers from homeowners around the world, who would love to home swap with you for an agreed period of time such as a couple of weeks.

One of the reasons why you may want to seriously consider a home exchange is that, you can almost guarantee that your home sitters will take great care of your home as they’ll hope that you do the same in return.

5. Don’t bother booking hotel rooms which offer a garden or pool view

While rooms which offer sea views can sometimes be worth splashing out on, there’s no real reason to book a hotel room which offers a garden or pool view at a rate that’s far higher than the nightly rate for a standard room, without a view.

After all, how much time do you envisage spending staring at a garden view or pool view from your hotel or resort’s room. When you should be using your free time to explore as much of your destination as possible. As your time when you travel is always limited.

6. Find out whether haggling is an accepted practice in the destination you’re visiting

As an example, in countries where haggling is commonplace, it’s well worth haggling when it comes to purchasing souvenirs from local marketplaces.

So if you’d love to be able to curb your spending when you’re traveling, it’s well worth taking all the tips listed above to heart!

How To Be Successful in Life

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If you’re looking to get ahead in life and to be as successful as possible, it’s a great idea to discover new tips and tricks which will help you get closer to your goals. Listed below are a few effective tips which are designed to help you become more successful in life.

How to be successful in life:

1. Keep your word

In order to be successful in all areas of your life, it’s crucial to learn how to keep your word, both to yourself and to those around you.

If you learn how to keep the promises which you make yourself and to keep accountable when it comes to taking steps to reach your goals, you’ll be far more likely to succeed than if you keep procrastinating in life and breaking your word to yourself.

If you’re wondering why it’s so important to keep your word to others if you disappoint your friends, colleagues, family members, and business contacts, individuals won’t see you as an individual who can be trusted or who they should support. Which could have negative consequences as examples you may not be given a promotion as a direct result of your inability to keep your word.

2. Don’t be afraid to think outside the box

Most people who achieve high levels of success have reached their goals by coming up with unique ways to reach their goals, instead of simply following the same formula that the average individual would follow to meet the same goal. So don’t be afraid to be unique and to think outside the box. As there are ideas that only you will be able to come up with, that can help you achieve your short term and long term goals.

3. Adopt a grateful attitude

Individuals who are grateful for all the good in their life and who have a positive, upbeat outlook on life are far more likely to achieve success than individuals who fail to see the good in their lives. If you find it difficult to be thankful for what you have in life, try getting into the easy habit of writing down three positive things that you’re grateful for before you go to sleep each night.

Remember that the more you practice being grateful, the more positive you’ll be able to be on a daily basis.

As an added bonus, if you come across as being a positive and grateful individual, other individuals will be more likely to be kind to you and to help you achieve your desired goals.

4. Learn new skills that will help you reach your goals

It’s well worth using some of your spare time to learn new skills that will help you reach your goals. As an example, if you need to be a confident communicator to achieve some of your goals, you may want to join a local Toastmasters club in order to become more confident and comfortable talking in front of large groups of people.

Remember that you have to implement all of the tips listed above on a regular basis to reap rewards and to become more successful in life!