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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”...
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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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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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A Basic Guide to Commodity Trading

A Basic Guide to Commodity Trading
Commodity trading is a term used frequently in the investment world. Aside from equities, markets also trade a variety of commodities, which can help you diversify your portfolio and increase profits. Commodities, due to their fluctuating prices over time, can produce good long-term returns if invested wisely. What are Commodities? Commodities are the primary raw materials used to make everyday goods. Commodities, which include products like oil, sugar, metals, and so on, are the foundation of a global economy. There are four basic categories of commodities traded in India (see table below). Commodity Category Energy – Oil and Natural GasBase Metals – Copper Aluminium, Zinc, LeadBullion – Gold and SilverAgriculture – Cotton, Black Pepper, Rubber, Cardamom and Oil. Gold, corn, crude oil, coffee, wheat, and other commodities are among the most widely traded worldwide. The change of one commodity’s price has an impact all across the world. When crude oil prices rise, for example, the effect is felt all around the world. How To Start Trading in Commodities? To begin with commodity trading, the first step is to know about the types of commodities that exist (mentioned above). Then you need to: Open a Demat Account with a Reputed Stockbroker You’ll need a demat account to trade commodities, just like you’ll need one to trade stocks. While there are numerous brokerage houses where you may register an account, it is critical to choose a reputable organisation that can provide you with important trade suggestions. To navigate the commodity market maze, you’ll need the right information and advice. It’s also critical to choose a brokerage with competitive prices. Selecting a broker with a high brokerage fee can reduce your profits. Examine the services provided by the broker through its platform. A full-service broker is best for you because they have a team of professionals who provide in-depth research and recommendations on a regular basis. Deposit an Initial Amount You must make an initial deposit after you have opened an account. The deposit amount varies depending on the commodity you are trading and ranges from 5% to 10% of the contract value. This information can be found on the brokerage firm’s official website. You must keep a sufficient cushion to cover any potential losses. Commodity trading plans that help you better understand markets and your risk appetite are also vital. In terms of risk preferences and cash flow, each trader is unique. You make a decision based on your financial situation. Different Ways to Trade in Commodities Direct Investment It is the most prevalent method of commodity investment. You can, for example, acquire gold and silver coins and jewellery immediately. Direct investing in these things, on the other hand, has a significant transaction cost. There are also concerns about storage and purity. Purchase Stocks This is another method of commodity trading. You can acquire stocks in an energy company, for example, if you want to trade energy. The price of energy will be clearly indicated by the stock price. If you invest in commodities through direct stocks, you can make money even if the commodity isn’t performing well. For example, if you buy shares in a well-established energy company, even if energy prices fall, you can still profit due to the company’s strong fundamentals. Loading… Commodity ETFs and Mutual Funds Commodity-based ETFs and mutual funds are many. If you wish to invest in gold or silver, for example, you can buy gold or silver ETFs. Because ETFs are maintained electronically in your demat account, there are no purity or storage difficulties. Bottom Line Commodity trading can be profitable provided you understand the fundamentals and appropriately determine your risk tolerance. To get...
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5 Best Blogging Apps for iPhone and Android

5 Best Blogging Apps for iPhone and Android
Gone are the days when managing your blog or website required you to sit in front of a computer. This is the mobile web’s era. The ease with which you may manage your blog on the road eliminates the need for a desktop computer. Mobile devices now perform on pace with traditional computing devices thanks to cutting-edge technology, software, and mobile apps. In this article, we’ll show you the top free blogging apps for iPhone, iPad & Android that you should download in 2022 if you want to maintain your blog on the move! Quick Note: The majority of the blogging applications included on this page are completely free to use. Some of them are premium apps with a freemium model (it means, you need to upgrade if you want better features or limits). 1. WordPress The WordPress app is one of the must-have blogging apps for iPhone and iPad because it is one of the most popular blogging platforms. Did you know that the WordPress platform powers approximately 35% of all websites on the internet? Yes, WordPress is the most popular CMS (Content Management System) in the world, with millions of users. If you too use the WordPress platform for your blog, the official WordPress app for iPhone and iPad is a must-have! 2021 Apple iPad Pro (32.77cm) 2022 Apple iPad Air (27.69cm) 2021 Apple 10.2-inch (25.91cm) However, the software runs significantly more smoothly on the iPhone than it does on the iPad. The following is a comprehensive list of everything you can accomplish using the official WordPress app: Write a new post, and save drafts which sync with the web version of WordPress blog.Add images and videos.Publish/Update blog posts and pages.Manage blog users, comments and plugins.Change themes.It supports the Gutenberg block editor. Quick note: You can publish content and engage with your audience from your smartphone if you’re using a self-hosted WordPress.org platform with a Jetpack-powered site. Here’s the link to WordPress app for iOSHere’s the link to WordPress app for Android app 2. Google Analytics You can’t evaluate a blog’s performance without knowing its traffic and user experience. What if you could get this info on your iPhone or iPad? It gets even better! The official Google Analytics iOS app is a godsend. On both devices, it runs quite smoothly. The following are some key metrics that may be tracked with this app: Real time visitorsTop landing pages by visitsOverview of traffic by channels – Organic, Paid, Direct, Social, Email and Referral.Overview of visitors by geographic location, new vs. returning, mobile device and web browser.Measurement of GoalsAverage page load time (in seconds) Google Analytics is a popular online analytics tool that Google provides. It monitors and reports your website traffic, providing you with information such as your best performing pages, total users, sessions, bounce rate, and more. Where can I download the Blogger app? Here’s the link to iOS app for Google AnalyticsHere’s the link to Google Analytics Android app 3. Evernote Evernote is the most popular note-taking app, with millions of users across the world using it to generate notes that can be text, drawings, images, or saved web pages. It has a free version with limited features, but you may upgrade to their premium editions for additional features such as increased storage capacity, offline access, and customer support. Why should you use Evernote as a blogger? You may save nearly anything in Evernote, including to-do lists, pictures, and images, as well as web pages and audio files. The most important reason to utilise Evernote as a blogger is that it can be used as a digital notebook to write and capture ideas whenever you want. Where can you download the Evernote...
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