Friday, February 15, 2019

Shopping the Safe Way

If you’re a shopper and you use your credit card for services online as well as in stores, how do you know how safe your financial transactions really are? Can you really be sure that the shops on the web are offering you the best security and not leaving you vulnerable to having your data stolen or your card cloned?
Unfortunately, this kind of criminal activity seems to be happening more and more as we carry out the vast majority of our financial interactions online. In this blog, we take a look at just a few tips that will help keep your cards and therefore your finances safe when shopping online.
Image from Pexels
The Golden Rule
You know that expression: if it looks like a duck, quacks like and walks like a duck, it’s probably a duck? The same applies for online shopping. If the site looks weird and you feel like something isn’t quite right, then quite probably it isn’t. Stop right there and don’t let yourself be tempted to push through with the transaction. Very often, those sites offering rock bottom prices for high end goods are a total scam. At the very least you’ll get a product that looks nothing like its online image and at the very worst you’ll have handed your card details over to unscrupulous criminals.
If you do feel that you’ve made a mistake, cancel the payment immediately and inform your bank or credit card provider right away. Whether you’re paying debit or credit, your bank should have in place procedures to protect you against fraudulent transactions.
Look Out For The Security Checks
If the website you’re shopping from makes you jump through a few hoops to verify your identity, then you should be relieved rather than annoyed. It probably means they’re using technology to prevent fraud from both sides. Indeed many leading financial services across the globe trust Jumio and other organisations to help verify their customer’s identity before payment.
What To Do If You’re A Victim
Before you do anything else, call your bank and have your card stopped right away. You may also want to alert the police if your bank doesn’t do this automatically, though very often they have a security unit who deals with criminal activity.
Let them know the last time you made a genuine payment and go through recent transactions with a fine-tooth comb to identify anything that didn’t come from you.
Don’t attempt to use this card for anything and as an added preventative measure change all your passwords for any online shopping sites you have an account with.
It is frustrating and it is inconvenient, and it feels like a massive invasion of your privacy, so prevention is always better than cure. Stay safe online by listening to your gut instinct and avoiding anything that isn’t 100% secure. Don’t be a victim if you can possibly help it but if you do fall foul of a scam, get your bank onside immediately and limit your losses.

Tuesday, February 12, 2019

What to Look for in a Moving Company and Tips to Manage the Move

If you've ever been in a position where you were preparing for a big move, you understand how stressful moving can be. After all, your essential items are the bottom of large boxes. You don't have access to your normal life as you're in transition. Plus, once you move, you have to cultivate a new normal way of living.

Finding a new grocery store with prices you like and signing up for a new gym membership are tasks you've got to consider. Though it's not a fun process, it'a necessary one. To make matters even more complicated, it's stressful to do it by yourself. It's even more stressful to facilitate this process with young children. Thankfully, there is a way to get through the process with your sanity intact. Consider the following tips to manage the move and what to look for in a moving company.
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What to look for in a Moving Company
As you prepare to move, it's always beneficial to have the assistance of a moving company like JTMelia Moving Company. As you analyze and assess the situation, take note of what you need from a moving company. Is price the main factor that's guiding you? Are you pressed for time? Is this move a local or out-of-state move? Consider these factors. Once you're clear on what you need, consider these points when you're looking for a moving company.

Detailed Quote and Walk-Through
Most people interview a few companies before they make a final decision. You can take this route by doing your research in order to find a company that works for you. First, it's important to have the movers do a thorough walk-through consultation of the home. When they do that, they'll be able to give you an adequate quote based on the work you need, how many things you have and the distance you're traveling.

Reputable Work History
If the company doesn't have any reviews online, you might want to try a different company. If the company hasn't been around for a long time, there's a possibility that it could be a quick scam. It's not definite. However, you do want to take your time to learn how long they've been operating and if they have a positive reputation. You don't want to get caught up in a scam with people who have direct access to all of your personal belongings.

Binding Contract
When you discover the right match, make sure that they prepare a detailed contract. Read over the contract to make sure you're covered. You don't want to be frivolous or mindless when it comes to signing any contract. If your moving company presents a blank contract, run in the other direction. You need a list of the inventory and every verbal agreement needs to be put in writing.

Consider these points as you manage a household with children during a move.
Plan your meals in advance.
When you have mouths to feed, you can't skip a meal. Instead, plan your meals in advance. If you can prepare a large batch of food at the beginning of the week, you can then focus on reheating meals before you serve them on a particular day. It's also a great idea to use coupons to your advantage. If there's one particular day where you have more work to do than usual, order pizza with a coupon. You'll save money, feed your family and free your time up to focus on other tasks.

Set up plenty of activities to keep children occupied.
Take time to look through everything you need to take care of. Some days, you might be able to work with the kids in the house. If there are days when it'd be easier for them to be out of the house, ask the sitter to take them to the local library or the playground. Sign them up for classes at a local community center. Ask a friend if they'd mind babysitting for a few hours. As you're able to find ways to focus on moving, you'll be able to finish at a quicker rate.

The Library of Congress

The largest library in existence: The Library of Congress. This is the world's largest library, with nearly 110 million items in almost every language and format stored on 532 miles of bookshelves. Its collections constitute the world's most comprehensive record of human creativity and knowledge. Established: April 24, 1800; 218 years ago.

Now the question is: Can anyone enter the Library of Congress? Yes, anyone age 16 and older may use the collections but you need to have a reader card to enter.

Monday, February 11, 2019

Enjoy Being Fashionable In A Given Budget

If you are one of those who to play dress up, you are bound to be an ardent fan of shopping as well. Every time you walk past by your favourite store, you end up buying a lot of lovely clothing options even though your closet is running out of space to keep them. You may even end up going overboard in your shopping budget when it comes to buying clothes. As fashion lovers, we understand that it can be difficult to put off the need to of buying the best of dresses as soon as you see them but the fact it that there can be a better way of shopping that allows you to stay well within the budget. You must follow the pointers listed underneath and your bank balance will not cry out for help the next time you head out shopping.

Check your closet first: For those who love every bit of experience about shopping, it is a known fact that the closet will mostly have clothing items that are unused and lying in a dark corner, unnoticed every day. It is imperative to check the closet before you head out for shopping. All the things that you need are there and you might even come across a few surprises while rummaging the wardrobe that you have been ignoring for so long.

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Research and then choose:It is imperative to research for what are in fashion and imagine if the same fashionable item would go with your sense of styling. For example, if your wardrobe is shouting of shiny blingy ornaments and clothing items that you have seldom worn, chances are that 70’s disco taste is not your style and you only get bedazzled by the look of it. Hence, the next time you head out for shopping you might want to steer clear of buying clothing items that you don’t really need.

Second hand could be a great option: Just like you, there are tonnes of people in this world who buy clothes and other matching accessories that they will never wear. Once the realization dawns upon them, it is only a matter of time that they resale these clothes on the applications for others to use. These applications could be a great pick for you to buy items that you need within a stipulated budget. Since the resale value of these items is lower than the original price, it will help you stay in budget. You can also list your own items online for others to use and earn some extra bucks off it. The barter system works great for both the parties.
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Look for styling options: It is truly said that fashion comes and goes but style stays on forever. As mentioned earlier, you should recognize the things that you are comfortable in wearing and only invest in those. When you walk into your favourite brand outlet, ask yourself if you really will wear the items that you have just put in the shopping bag. It might take you a while, but eventually you will get in the habit of picking up items that you will wear, and it will declutter your wardrobe along with saving you a lot of money in the process.

Setting money aside: you might also want to play allocation game before you set out shopping. Look at your account balance and see how much shopping you did in the last month and if it resulted in a cash crunch at the end of the month. If so, the you should set aside money for the essentials first and the allocate the left-over money for indulging in shopping and other such sprees.

Friday, February 8, 2019

5 Things to See and Do in Northern Minnesota

Whether you’re a tourist or a local, there are plenty of fun-filled attractions that are scattered across Northern Minnesota to see and enjoy. Whether you’re an adrenaline junkie and fancy exploring the area by helicopter or you want to go camping and fishing in some of the most stunning lakes that the country has to offer, here are just five things to see and do when visiting Northern Minnesota.
Flying, Aerial Shot, Minnesota, Lake Mille Lacs, Flight

Ariel Helicopter Tour

The sky truly is the limit when it comes to attractions to try out in Northern Minnesota. If you fancy exploring the area from above, the 15-mile aerial helicopter tour may be the perfect choice for you. Once in the air, you will be able to take in some of the most breathtaking views of Superior Harbor/Duluth as well as views of the Aerial Lift Bridge. Be aware that flight times may be subject to change depending on weather conditions.

Split Rock Lighthouse State Park

Regarded as one of the most popular spots on the North Shore, the Split Rock Lighthouse State Park is a must see when visiting Northern Minnesota. If stairs are no problem, you can walk down the cliff, finishing off at the beach where you can take in some impressive views of the surrounding shore, including the famous lighthouse.

Tettegouche State Park

Like many of the parks that are situated across the North Shore, there are plenty of amenities that you can try out such as camping, paddling, and fishing at Tettegouche State Park. If you don’t mind walking, there are several hiking trails to glorious lakes and stunning waterfalls. In the winter months, you have the option to go skiing or embarking on snowshoe trails.

Gooseberry Falls State Park

With easy trails and a scenic gorge, it’s no wonder thousands of tourists visit Gooseberry Falls State Park each year. There are various log buildings that you can check out, which were built by the CCC (Civilian Conversation Corps) back in the 1930s. Exhibitions and concessions are held throughout the year, which gives you more of an insight into the park’s origins.

Birch Forest Lodge

Situated on Pelican Lake, Birch Forest Lodge is known as one of the most family-friendly Northern Minnesota resorts. With plenty of fun activities like a swimming beach, a lodge game room, and a playground for the children, the resort has every age group catered for. The resort also features clean and pristine cabin rentals that are housed on over 1,000 feet of stunning lakeshore. All the cabins are well looked after, giving you somewhere to relax after a busy day of activities.  

With so much to see and do in Northern Minnesota, it’s best to have a think about what type of attractions you enjoy the most. Whether you’re feeling adventurous and want to explore the area by helicopter or if you prefer to explore by foot, there is something for everyone to enjoy when it comes to visiting Northern Minnesota.

National Statuary Hall

The Best Support For Home-Based Businesses

Setting up your own business at home is no easy feat; I’m sure a lot of home-based entrepreneurs will tell you that straight off the bat. But that doesn’t mean that it is completely impossible, even if you are doing it all on your own. That’s because there is always a lot of different sources of support that you will be able to dip into whenever you find times get tough.

Here are some of the best support that all home-based businesses will benefit from.

A Good Education
There is no better base for your business than a solid education. It’s a good idea to spend a year working on a top online MBA program before you get started so that you will benefit from knowing the basics of good business. Your education doesn’t have to end there, though. Taking plenty of night school courses and other online webinars can help you to regularly boost your knowledge and skill set, which will be invaluable to your company.

Freelancers And Contractors
Juggling work and finances can be very difficult when you first start a new business. There will be a lot to do but unfortunately, you might not be able to afford any staff to help you out. This is where freelancers and contractors come into play. They usually work out a lot cheaper than full-time employees as you only have to pay them for the specific work that they carry out, and they aren’t eligible to any extra financial perks.

Friends And Family
Even though your friends and family won’t be directly involved in your business, they will still be hugely important to help you stay calm and level-headed throughout. For instance, if you ever need to work late and need someone to look after the kids for you, I’m sure a friend or relative will be happy to help out. Feel free to reach out to them whenever you need an extra pair of hands to help you with your work-life balance.

A Mentor
If this is the very first business that you have set up, it’s a wise move to find a mentor who can guide you every step of the way. Generally speaking, it’s always best to find a mentor who knows your industry or sector inside out. It doesn’t matter if your mentor is local to you - thanks to the internet, you should find it simple enough to connect with someone online. They will be able to chat to you via email or even Skype call you every so often.

The Local Small Business Network
I’m sure that there will be a strong small business network in your local area. It’s worth joining this so that you can benefit from help and support from all its members. The network will be made up of many different people, all of different skill levels, so I’m sure there will be people who can help you out whatever your problem.

Hopefully, this helps you setting up the home-based business!