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Beginner’s Guide to 50/30/20 Budget Rule

Beginner’s Guide to 50/30/20 Budget Rule
A small intro to personal finance is inevitable before we explain the 50/30/20 budget rule. Why Is Personal Finance Important?  Learning Personal Finance not only helps you to manage your day-to-day financial needs but also aids in planning your financial future. The sooner you get a hold on personal finance, the better your long-term financial prospects will be for things like investing or planning for retirement. What are the 5 main components of personal finance? SavingInvestingFinancial protectionTax SavingRetirement planning The Pathway to Financial Freedom – The 5 Golden Rules of Money Let us understand what the financial experts say about how to handle money when it comes to your pocket. Payday is not only mayday but also hayday. You have to streamline your income in order to lead a hassle free and peaceful life. Rule # 1: Spend Less Than You Earn or Earn More Than You Spend Rule # 2: Create an Emergency Fund Rule #3: Save or Invest the Rest Rule #4: Capitalize on Your Skills & Create a Side Endeavor Rule #5: Own Income Generating Assets That Create Passive Income Streams The ideas listed above are truly practical in nature and works out 100% of the time. Passive income is equally important as this income stream might become your mainstream income during a dire need. We have compiled an amazing Budget Planner for your ready reference. Download and Enjoy. 👇 Tell us if you found it useful. Simple-Monthly-Budget-PlannerDownload What is the 50/30/20 Rule of Budgeting? Given below is the thumb rule for budgeting and this method is good for beginners or those who suck with money. This cheatsheet will teach you how to “Live within your means.” The beauty of 50/30/20 budget is in its simplicity. All the income is broken up into three spending buckets. 50% for the needs, 30% for wants and 20% for savings and debt. The Split 50% Needs Health life, disability and other insuranceCar insurance, maintenance and gasMedical bills and prescriptionsUtilities phone and internetPublic transportationDaycare and tuitionMortgage/rentGroceries 7 Ways to Increase Your Income! #reels 30% Wants GiftsTravelCable TVEating outCharitable donationsMakeup and hair productsHome decor and furnitureClothes, shoes and accessoriesMovie, sports and concert ticketsStreaming services and other subscriptions Signs You’re A Lot Better With Money Than You Think! #reels 20% Savings Retirement savingsPersoanl loan paymentsShort term savings goalsEducation fund What are some practical budgeting guidelines to follow? Read on to find out what budget percentages popular financial guru Dave Ramsey recommends. Here’s a breakdown of each category, based on Dave Ramsey’s advice: Giving — Ramsey recommends giving 10% of your monthly income to worthy causes.Saving — Saving 10% of your income for retirement, which ideally is within a 401(k) or IRA.Food — Includes both grocery shopping and eating out.Utilities — Cell phone, cable, internet, gas, and electricity.Housing costs — Rent or mortgage payment, along with property tax, home or renters insurance, home maintenance, HOA fees, and PMI.Transportation — Any and all transportation costs, including public transportation, car insurance, oil changes, car payment, gas, DMV fees, and parking.Health — Medical and health care bills (not including health insurance premiums) such as co-pays for doctor visits, prescriptions, and dental care.Insurance — Life insurance, health insurance, and disability insurance. Auto insurance and home insurance is placed within transportation and housing categories. Recreation — This is your fun money. Any lifestyle expenses, such as gym memberships or kids’ activities, as well as entertainment expenses like Netflix, Hulu, sporting events, concert tickets, babysitters, and travel.Personal spending — Personal care, haircuts, Amazon purchases, clothes, shoes, home furnishings, home decor, etc.Miscellaneous — The “stuff you forgot to budget for” category.  The Complete Personal Finance Course: Save, Protect, Make...
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Beginner’s Guide on How to Embed Outlook Calendar into SharePoint

Beginner’s Guide on How to Embed Outlook Calendar into SharePoint
SharePoint is an elaborate collaborative web-based platform designed to work with Microsoft Office applications and other related solutions. Fortunately, SharePoint is also an integrated solution for ecommerce platforms that use Microsoft’s ASP.NET framework. This means that teams in an ecommerce business heavily rely on SharePoint applications to collaborate. One of the tools in the environment is the SharePoint calendar. It allows sharing scheduling of events and tasks as well as communication through actions. One of the best things about SharePoint calendar is that you can sync it with Outlook calendars because they are both Microsoft products. This article will look at how to embed Outlook calendar into SharePoint for ease of operations as it helps teams to view all tasks in one dashboard and avoid a lot of unnecessary navigation. How to Add Outlook Calendar to SharePoint The first step is to create a new calendar in SharePoint, which you probably have if you have been using this solution. From here, you can navigate until you get an option to “sync to Outlook” and then allow. Sometimes, it appears as “connect to Outlook,” which is all the same. Complete Guide to Microsoft SharePoint Online To add Outlook calendar to SharePoint, you need to click the “allow” or “yes” button. Customizing the synchronization by choosing the files and libraries to be shared is also very important. So, ensure that it is done at this point in how to add Outlook calendar to SharePoint. Add Outlook Calendar to SharePoint Through Virto Calendar You can embed Outlook calendar into SharePoint. Virto Calendar is a web part for SharePoint and works perfectly with Office 365. The Virto Calendar settings will allow you to upload Outlook calendar to SharePoint. But you will have to go through an extra step of adding the emails of people you would like to share the calendar with to correctly add Outlook calendar to SharePoint. Likewise, you will give permission for what they will see and do with calendars by checking or unchecking the necessary boxes. How to Manage a Shared Outlook Calendar in SharePoint Whether you embed Outlook calendar into SharePoint directly or through an ecommerce platform, you will manage the calendars directly on SharePoint, which is easy. First, you will see all your activities on the Outlook calendar on your SharePoint dashboard. Depending on the permissions and rights that you possess, you can do quite a number of things to the calendar such as editing, adding new calendars, and deleting. Whatever you do on SharePoint will be reflected on the Outlook calendar when you embed Outlook calendar into SharePoint. Teams are given the right to manage these calendars during the time of sharing. Hence, the team leaders should ensure these rights are well issued to make operations as easy as possible. Benefits and Reasons to Embed Outlook Calendar into SharePoint You should embed Outlook calendar into SharePoint to enjoy all the benefits we are going to discuss, especially if you are using an ecommerce platform. If you are looking forward to easy team management and collaboration, then this should not be an option for you; just upload Outlook calendar to SharePoint. Here are the benefits and the reasons to embed Outlook calendar into SharePoint. Master Microsoft Outlook – Outlook from Beginner to Advanced · Avoid navigation back and forth – Bringing both Outlook and SharePoint calendars to one platform reduces the time wasted navigating back and forth. Additionally, the employees will avoid confusion and time wastage that would be used to look for tasks and events on both calendars if they did not embed Outlook calendar into SharePoint. Lastly, it is easy for leaders and teams to...
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Top 25 Interior Design Quotes

Top 25 Interior Design Quotes
Interior design is an ever evolving subject in accordance with the taste and interest of the home owners/users. It seeks to address the wellbeing of the user, combining colours, sensory experiences, technology and natural elements that promote health. Loading… These are our favorite interior design quotes. Enjoy reading, use them for citations and leave your feedback in the comment section below. 1 “The essence of interior design will always be about people and how they live. It is about the realities of what makes for an attractive, civilized, meaningful environment, not about fashion or what’s in or what’s out.” Albert Hadley —————————————————————————————– 2 “Be faithful to your own taste, because nothing you really like is ever out of style.” Billy Baldwin —————————————————————————————– 3 “A room is not a room without natural light.”  Louis Kahn —————————————————————————————– 4 “We shape our homes and then our homes shape us.” Winston Churchill —————————————————————————————– 5 “The door handle is the handshake of the building.” Juhani Pallasmaa —————————————————————————————– 6 “No pattern should be without some sort of meaning.” William Morris —————————————————————————————– 7 “I always put in one controversial item. It makes people talk.” Dorothy Draper —————————————————————————————– 8 “Real comfort, visual and physical, is vital to every room.” Mark Hampton —————————————————————————————– 9 “Every room needs a touch of black, just as it needs one antique piece.” – Jan Showers —————————————————————————————– 10 “Exquisite details make interiors sing.” Larry Laslo —————————————————————————————– 11 “The best rooms have something to say about the people who live in them.” David Hicks —————————————————————————————– 12 “Designers and people in general are too attracted by ‘new’, but nothing ages more quickly than ‘newness’. All my objects reflect [a] marriage between past and present.” Marcel Wanders —————————————————————————————– 13 “Simplicity is the ultimate form of sophistication.” Leonardo Da Vinci —————————————————————————————– 14 “Underneath all I design lies the solid belief that beauty is a positive force.” Barbara Barry —————————————————————————————– 15 “Pick what you like because living with a trend that is not you is never a good choice.” Thomas Pheasant —————————————————————————————– 16 “Good buildings come from good people and all problems are solved by good design.” Stephen Gardiner —————————————————————————————– 17 “A designer has a duty to create timeless design. To be timeless you have to think really far into the future, not next year, not in two years but in 20 years minimum.” Philippe Starck —————————————————————————————– 18 “Chandeliers are the marvels of drop-dead showiness, the jewelry of architecture.” Peter York —————————————————————————————– 19 “Creativity is allowing yourself to make mistakes. Design is knowing which ones to keep.” Scott Adams —————————————————————————————– 20 “Luxury is when it seems flawless, when you reach the right balance between all elements. Understated theatricality – that is what my luxury is all about.” Jean-Louis Deniot —————————————————————————————– 21 “Form follows function – that has been misunderstood. Form and function should be one, joined in a spiritual union.“ Frank Lloyd Wright —————————————————————————————– 22 “A house is much more than a mere shelter—it should lift us emotionally and spiritually.” – John Saldino —————————————————————————————– 23 “Design is defined by light and shade, and appropriate lighting is enormously important. ” Albert Hadley —————————————————————————————– 24 “There are two things that make a room timeless: a sense of history and a piece of the future.” Charlotte Moss —————————————————————————————– 25 “A room should never allow the eye to settle in one place. It should smile at you and create fantasy.” Juan Montoya...
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3 Reasons that More Businesses Are Choosing Cloud Services

3 Reasons that More Businesses Are Choosing Cloud Services
Cloud services are booming, and what used to be a simple service offering storage space has now grown into an impressive expanse of packages to help businesses with their needs. Businesses are now more into cloud services than ever, but why is that? This piece is going to take a look at some of the reasons that cloud services are chosen over traditional services and how it could benefit your business too. Read on to find out more!  Cloud Offers Significant Big Data Insights Big data is a collective of all different types of data gathered from a business, and it is more important than it has ever been. Not only do businesses have more means to gather this data now, but it is also crucial in driving decisions both big and small. Collected data can help companies ‘predict’ their future needs and finances, help prevent downfalls, and help them put an informed plan in place.  Cloud Services Are Scalable and Flexible for All Scalability and flexibility are essential in this economy. It is no longer viable to lock in contracts unless businesses absolutely have to due to the slippery nature of the market. It also makes life much easier when you are able to scale up or down when needed and creates a lot less fuss over change.Cloud services offer this seamlessly. Because there is no “physical” aspect to a cloud service, you are able to manage requirements as and when they come in or disappear. This helps you keep hold of your capital and allows you to only spend what you need. Another great reason why businesses are opting for cloud services is that they are not routed in any particular location. If a company needs to move, this will not affect the cloud services they use at all. Realistically, all you need is an internet connection to keep you in touch with any cloud service globally. You might also be surprised to learn the different services available to you, like cloud security services, and that even more traditional-based industries can make the transition. For example, a traditional accounting firm can become a cloud accounting firm. Businesses must see the importance of competing in the digital space, and becoming a cloud-based business is one vital step to achieving that. If you need more advice, seek the advice of experts in your chosen industry. Cloud Services Are Cost-Effective You only have to pay for what you use with cloud services which is one of the main reasons why this option is so attractive to businesses. Not to forget the startup costs of physical equipment and elements of traditional services are completely wiped out, along with any repairs to damage that could happen to these physical features as well. It is also worth pointing out that you will never be stuck with redundant hardware or software, as cloud services update and upgrade as they improve and change. Conclusion Cloud-based services are the future of business due to the many benefits they offer, such as scalability, flexibility, security, and simplicity. Not only can they be more cost-effective than traditional services, but they can also offer real-time data to help businesses make the right decisions for them. Try a cloud solution today, and see how it changes your...
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How To Effectively Manage a Construction Business

How To Effectively Manage a Construction Business
Managing a construction business is no easy task. The sector is capital intensive and demands consistent financing to maintain a steady supply of construction materials and keep operations going. A huge part of becoming a successful construction business owner depends on efficient management. If you’re looking to break into the industry or you’re a current manager after some guidance, these below tips will help you effectively manage a construction business. Use the Right Tools and Products Construction tools and products evolve with the industry. As a construction business owner, you need to be equipped with current tools and resources fueling the industry, leveraging them for effective outputs. Investing in construction tools can be a dicey situation and purchasing isn’t always the best way to invest in tools. You can purchase drills, hammers, trowels, and other essential tools for your site workers. However, heavy-duty equipment like excavators and backhoe loaders can be rented rather than bought. Buying ties you to storage and maintenance costs which might be financially draining. Both options, however, have their pros and cons. Therefore, assessing them before making your investment decision can never go amiss. For construction supplies, it’s important to deal with the right retail partners. They can afford you comfortable payment and usage terms for all materials, including those needed for modular building products. Make Safety a Priority The construction industry is a hotspot for work-related accidents. The U.S. Occupational Safety and Health Administration says that fall hazards are the leading cause of accident injuries on construction sites nationwide. The U.S. Bureau of Labor Statistics also revealed that over 150,000 fall accidents occur yearly. As a business, these accidents can dampen employees’ morale and cost your business a lot of medical, severance, and relief expenses. In critical conditions, an accident on your site can cost you your operating license and affect your operational relationships with partners and financiers. Therefore, it’s crucial to prioritize safety on your construction site. Ensure all workers have their safety apparel on before visiting the worksite. Maintain ladders and operational tools to avoid failure while on the job. Developing a periodic program to sensitize employees on the best safety practices can also help a great deal. Leverage Data and Technology The construction industry is no exception to the continuous transformation of how we work through technology. Modern construction tools have become smarter, demanding site workers to be more tech-savvy. Many construction businesses have also grown more resilient by using data to mitigate risks and manage predictability. They deploy big data systems like Artificial Intelligence (AI) and Machine learning (ML) to harness effective insights even before the project stages. These systems help model structures and determine structural defects at the project blueprinting stage. Tech systems also help contractors reduce uncertainties like the impact of changing weather conditions on construction progress. Avoid Wasteful Preparations Research shows that 98 percent of megaprojects suffer cost overruns, and about 77 percent do not meet their construction deadlines. Wasteful operations are a travesty of efficiency. So, construction managers need strict levels of accountability to manage waste, from materials to financing. Increase Your Cash Flow Construction employees typically receive payments on a bi-weekly basis, so you’ll need more money to manage running costs and fuel the progress of your construction business. Spreading out your costs, early invoice communication, and avoiding underbilling are a few best practices to help you increase your cash flow. All in all, the construction industry is booming and new companies have a significant potential to attain profitability – the industry has a current valuation beyond a trillion dollars. Getting a piece of this cake requires a lot of discipline and consistent efforts, and...
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