Monthly Archives: March 2018

How to Save for Retirement While Paying Student Loans

The whole reason you go to college in the first place is to give yourself a better future. You have big dreams to work hard when you’re young and retire early and enjoy the rest of your life without stressing things like financial stability.

So you take a student loan, so sure you’ll get a perfect job after graduation and can pay it off again without losing.

Unfortunately, life is not always so tidy and now you find that you are one of 44.2 million people whose lives are held back by federal or private student loan loans.

And retirement is getting closer from day to day.

You have three obvious choices when considering how to deal with student loans vs. retirement – and for those who know doing your homework does not stop when you throw your graduation cap in the air, there is a fourth option to consider.

1. Loan now, retire later
For many, this is the best option. Sure, this will tie up the funds for now and now – something you really need to consider if the future holds a mortgage or pram. But if you can scrape it now, you might just come out on top in the future.

By focusing on repaying student loans as soon as possible, you’ll save a lot of money you pay, which often means meaningful change.

The weakness of this approach is obvious.

More often than not, a job with a perfect high salary does not fall out of the sky once you graduate. If you find yourself in a job to do right now while you’re out of college, chances are you do not have much money to put into your student loans.

Prioritizing paying off student loans will also tie up a lot of your money for the near future, let alone a longer future. Retirement is the last thing you have in mind and if you are not careful, it will sit behind the stove for too long.

2. Pension now with minimum loan repayment
Some people choose the opposite approach.

By prioritizing savings now, you have the comfort to know that you always have a safety net there when you need them.

However, you can not just ignore student loan payments. You still have the minimum payment you need to make each month.

Moreover, the longer you wait to deal with your student loans, the more you end up having to pay interest, making this option much more expensive in the long run.

3. A little of both
This is a middle ground and many people consider this a happy medium between two extremes.

You pay a little more than the minimum on your student loan each month and then put a little into savings for retirement.

In the end, you will pay a portion for the interest, but you will also have a healthy pension.

4. Forgiveness of the loan
Forgiveness of student loans is an option that no one realizes.

While this is not a free card that is not tied to a rope, as this may be a very viable option for you to see.

Some programs offer to forgive the entire loan amount, together with unpaid interest. Others work by forgiving the remaining balance of the loan at the end of the repayment period.

You know it’s important to pay off your debts and save for the future. Now you know your choice.

3 Reasons to Hire a Cleaning Services Company Today

 

Nobody wants to live in a messy house.

But keeping your home as clean as you want is almost impossible. Who can follow sweeping, cleansing, stripping and scraping non-stop? Not to mention deep cleaning for more serious problems.

It can look like a clean house consistently is a pipe dream. You may have even withdrawn from life in a mess.

But do not give up hope first. There is another solution: hire a cleaning service company.

The cleaning company may look fancy. But if you weigh the benefits of cleaning services against costs, this is a pretty easy decision.

In this article, we will see all the benefits that a cleaning service company can offer at a very affordable price.

1. Clean professionals are better
No matter how good you are clean, there is a chance you are not as skilled as a professional.

As the saying goes, practice becomes perfect. And no one spends more time practicing cleaning than professional cleaners.

Commercial cleaning services employ only highly skilled people with years of experience. Many reputable companies only hire certified technicians, so you can be sure that your house is getting cleaner as deep as possible.

Cleaning companies also give their employees the best quality equipment and materials.

And it’s more than a broom and a mop. Professional cleaners have access to industrial carpet cleaners, caustic sodium cleaners, and more.

When you pair these high-level skills with access to the best inventory, you will feel so clean that it may not suit your own needs.

2. Astonishing cost-effective
Take a moment to figure out how much you spend on your cleaning supplies at home.

How much do you spend on bigger items, such as hiring steamers or electric washing machines?

Or what about the expensive stain remover you buy in a large container and just a disposable one?

This cost increases with time. Compare your annual cleaning budget to professional cleaning costs, and you may be surprised to learn that cleaning service companies are very affordable.

And when you consider how much time you save, there is really no comparison.

3. Your time is precious
How much time do you spend cleaning it?

Half an hour a day? A couple of hours on weekends? Maybe you have several cleaning sessions every day of the year.

Now imagine if that time has been released. Think of everything you would do instead.

Are you going to hike with your family? Take a new hobby? Maybe you’ll go to the movies or read more books.

Hiring a commercial cleaning service frees up your time so you can get your life back.

What are you waiting for?
Hiring a professional cleaning service can seem like an expensive cost. But if you consider the time and money you save on the quality of service you receive,

But if you consider the time and money you save on the quality of service you receive, you’ll wonder what you’ve been waiting for.

So do not wait any longer. Contact your local cleaning company today and get your time back.

How to Properly Tackle a Digital Transition in the Shipment Industry

How to Properly Tackle a Digital Transition in the Shipment Industry

Gone are the days when the truck would leave the warehouse, and you’d be in the dark until you received a call letting you know that the shipment had gone well. Now, you can track your shipments with live data guiding you through every step of the way. This can help give you a better sense of where you can find better routes, save more time and money, and overall give you an advantage in managing your supply chain more efficiently.
Whether you are an expediter, a shipment broker, a carrier company or shipper, our diverse line of products can give you an edge over your competition. We live in the information age – this means that the more information that you can harness to empower your business the better it will do. People want to be informed, and by giving your clientele a more detailed view into the service you’re providing them you are giving them better value, which is crucial for a market as competitive as the freight industry.

 

Believe it or not, there are still quite a large number of shipment companies and distributors that are sticking more “traditional” methods of their supply chain process. This means that they are holding the same standards and services that have been with the trucking industry for the past few decades, before the time of cell phones and smart devices. By using these older supply chain management methods shipment companies aren’t offering their clients the best possible service, so they run the risk of losing their clientele. One of the main reasons for keeping with these older methodologies is due to the fear and cost of modernizing their systems with current technologies.

If a company takes on the task of developing a proprietary supply chain management solution for themselves, they are going to run into issues. The system development, testing, and implementation is too much for a company to take on alone. This is why third party supply chain management services are so important for the freight industry. These companies have taken on the hard tasks and have developed working solutions to manage freight visibility and other aspects of the supply chain process. With a third party service you can make your company’s transition into the digital age that much easier and more efficient. This is going to help maximize both customer satisfaction and company profits.

2028 Could Be the Year for the Final Olympics

2028 Could Be the Year for the Final Olympics
2022 Beijing Winter Olympics will be coming soon. The government introduced major changes in infrastructure and interested citizens to join in winter sports. As everyone knows, behind prosperity, many stubborn cancers are causing games around the world to be non-healing. The Olympics now weave the carnival itself because of its destruction.

 

One by One Scandal and Institutional Corruption

In the story that the 2012 Olympic city candidate bought more than IOC members and IOC members accepted the bribe was revealed through the Buying the Games program broadcast on BBC Panorama on August 4, 2014. After the broadcast, IOC president Jacques Rogge promised publicly that steps – the steps needed to investigate the purchase event in the 2012 Olympic bid charged in the documentary.

Meanwhile, the medial side also revealed that the same bribery also took place at the 2002 Winter Olympics. After that, FIFA 2015 and IAAF were also involved in a bribery scandal. Issues such as fake games and doping scandals that conflict with fair competition also make sustainable Olympic developments uncertain.

Many stories around the 2022 Beijing Winter Olympics aroused suspicion. For example, as planned, the alpine ski area and layered racecourse will be built in the core area of ​​the Beijing National Songshan reserve. A large number of valuable species such as Lonicera oblata and Cypripedium shanxiense S. C. Chen are found here and many of them can not be preserved through ex situ conservation.

Many Chinese environmental biologists and environmentalists consider that if Olympic venues are developed in such areas, endangered species and integrated ecological environments will be disastrous. The Chinese government intends to get rid of the area from the sanctuary range and choose another area with some rare species as its reserves. In addition, comments on strict adherence to the laws and protection of Songshan National reserves have been widely removed or restricted in China. All these actions have been criticized by some media and biological professionals in China.

Currently, the International Olympic Committee and Beijing Olympic Committee have not provided an explanation for the criticism.

Frequent Doping and Frequency

120 metals, including 41 gold, 36 silver and 43 bronze, have been seized or changed from 1912 to 8 December 2016 (the metal shortage started in 1968). The main reason is doping, while other actions include incorrect acts in the event (2 metals) and false identity (1 medal).
In fact, doping for athletes, bribery for judges and other unfair treatment can always be found in the field all over the world, while the Olympics are the terribly miserable areas of this “accident”. At the Rio Games, nearly 100 Russian athletes are banned for doping. After that, according to documents destroyed by Russian hackers, more than 1000 American athletes took the illegal drugs, but none were punished. 2028 Could Be the Year for the Final Olympics

The former French ice-dancer Sophie Moniotte once stated publicly that, “Our sport has gangrene, in most sports doping is the problem, with figure skating, it’s a deal and a manipulation.” This is nothing new to the figure skating scandal. Almost every World Championships and Olympics have a dispute score and shady deal on the judges. However, it is always left uneasy because of the patience and dishonesty of the organization.

Input-Output is not balanced

On July 31, 2015, Beijing successfully bid for the 2022 Winter Olympics. Before the last vote, Kraków (Poland), Lviv (Ukraine), Stockholm (Sweden) and Oslo (Norway) quit the Winter Olympic bid one by one and the main reason was Financial Problem.

As the largest sports party in the world, the Olympics has always been a big event favored by various countries. Although the Olympics looked crowded, the value of hosting is always questionable. For example, billions of dollars for budget, enormous resource occupation and summons in a short time and a waste of resources because of the lack of future operations are the focus of attention all along. The famous Montreal Olympic Games pay their debts for 30 years. For the Japanese Winter Olympics, even the bidding financial records have been burned down, while the Rio Olympics are making the sluggish economy in Brazil worse. 2028 Could Be the Year for the Final Olympics

According to a study in the host cities from 1962 to 2012 by the University of Oxford, the actual expenditure to organize Olim

The Largest Data Breach Settlement of All Time

 

Every second, nearly 45 data records are lost or stolen.

When this happens in a business, all of their records are put at risk.

This also puts the clients’ personal information at high risk.

Not only does it create distrust between the company and its customers, it also comes with a high price tag.

Unfortunately, data breaches happen all too often.

Advocate Health Care and the U.S. Department of Health and Human Services settled in what is called the largest settlement of all time.

The Largest Settlement to Date
The U.S. Department of Health and Human Services (HHS) Office for Civil Rights (OCR) settled at $ 5.5 million with Advocate Health Care.

Advocate Health Care violated the Health Insurance Portability and Accountability Act (HIPAA).

HIPAA protects personal health information from falling into the wrong hands. Health care providers are responsible for the safety of their patients’ private information.

Over 4 million patients’ personal information was stolen. This information includes their information, names, addresses and credit card numbers.

The Incidents

The exposure came after the first incident in August 2013. Four desktop computers were stolen from an Advocate Health office in Park Ridge, Illinois.

These computers contained the records of millions of local patients.

The second incident occurred in the period between June and August of 2013.

Hackers gained access to the network of billing service used by Advocate Health. This incident exposed the health records of over 2,000 patients.

On November 1, 2013, another breach occurred.

Yet another computer was stolen from a vehicle. This incident exposed 2,230 patients’ protected health information.

After Advocate reported these breaches, the HHS began an investigation.

The Findings

Laws are in place that require health providers to protect their patients’ health information.

The HHS found that Advocate Health violated these laws.

The OCR found that Advocate Health unsuccessfully:

researched the potential risks relating to the protection of protected health information
enacted policies and procedures to limit the access of electronic systems
safeguarded laptop computers that were kept in unlocked vehicles
The department found Advocate Health Care at fault for not securing a written contract from their billing subsidiary.

This written contract should have stated that it protected any electronic protected health information within its custody.

Advocate Health has responded, stating that:

“As all of the digital landscape and the impacts it has on evolution, we have enhanced our data encryption measures to prevent this type of incident from reoccurring.”

Conclusion
Advocate Health Care Network includes more than 250 treatment locations. This includes the ten hospitals and two children’s hospitals.

This makes it one of the largest healthcare providers in the state of Illinois.

Advocate Medical Group (AMG) is a branch of Advocate Health Care.

AMG provides primary care services, medical imaging, and specialty health care services.

This medical group services the greater Chicagoland area.

With new technology, data breaches are becoming more common than ever before.

Wetsuits and wildlife: Diving Around the World

Wetsuits and wildlife: Diving Around the World

Thanks to the ever-expanding technology, we know more about the underwater world than ever before. The beautifully rotated fish hovered on our screen in this amazing Sunday documentary. However, if watching from the couch is not your jam, wrap your wetsuit and remove the dive insurance as it is time to uncover what the sea and sea should offer – first hand.
Chills and Thrills in Norway

Wetsuits and wildlife: Diving Around the World

When people imagine their diving vacations are typically turquoise, sun-fired seas, but true explorers know that the high seas have a lot to offer.

Imagine: a sleek black shape flashing beneath you, blinking white caught your attention and you glimpsed the iconic and pointed fins of it. A sensation of terror flows through you – this is a killer whale. Known to prey on seals, dolphins, and sometimes even adult whales, fortunately these beasts are not interested in humans. What will you do to swim with the undisputed king of the sea? If the answer is “anything,” take a decent wetsuit and go to the frozen beaches in Norway – where hundreds of killer whales are hunting.

Ma Tai Anyone?

If plunging into ice water is not for you then head to the warm Hawaiian beach. Here you will find an equally interesting example of marine life – the spectacular manta ray!

The typical form of this ray is well known by nature lovers. However, until you get up close and personal, it’s hard to understand their size. At Garden Eel Cove, Hawaii you get a chance to do just that. At dusk, a powerful light box is placed in the water, pulling plankton and providing an all-you-can-eat buffet for hungry manta rays. So close you can touch them, you will experience manta rays in a unique way. And you’ll have time to enjoy the celebration cocktail later! Wetsuits and wildlife: Diving Around the World

Hissy Matches in Brazil

Whether we’re afraid of them or have three pets, the creeping and silent snakes are unbelievably dazzling.

Safe to say, this holiday advice may not be for those who are struggling to watch the snake scene in Harry Potter without closing their eyes. However, if you’re fearless type I can not recommend this Brazilian trip enough. Beautiful green anaconda can be found hiding in the wetlands of the Bonito region and, believe me, is a nightmare. Ginormous anaconda can grow up to 20ft! Do not you want to touch it?

What Great Teeth You Have Pak Wolf!

Living with serpentine creatures, Wolf Eel makes her home in the oceans of British Columbia. This cute wolf fish can grow easily up to 10 feet but see if you can see the young – the striking color.

The name of Wolf Eel must be taken seriously: the inhabitants of this oceans have sharp teeth and are known to give humans a painful bite! However, they are rarely aggressive and you will soon feel strange with these ugly people.

If, like me, you want to experience as much as the world, do not forget to take the right insurance to keep you protected wherever you go. Let’s Go Insure diving insurance is ideal for travel as you spend more time under the waves than relaxing on the sun loungers!

Ethan Bailey is an experienced adventure traveler and insurance expert with Let’s Go Insure team. Ethan’s spirit is to inspire his clients to go further, deeper and higher on their journey and his expertise in providing ideal insurance allows them to do just that. If you’re looking for the best diving insurance Let’s Go works with the most experienced underwriters, intermediaries, and insurance to offer competitive insurance without sacrificing protection.

Favorite Objectives for Gap Class Students

Favorite Objectives for Gap Class Students

comprehensive travel insurance In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.
“Taking time off before going to university or starting a career can be a great learning experience.Many young people save and go to the wider world to see and do as much as possible before they have to settle into real life, which can often mean limited time for travel and more daily responsibilities.

Favorite Objectives for Gap Class Students

If you plan to spend time and join thousands of like-minded people, you may be interested in knowing which destinations are most on the list to spend years, as well as different choices for how to spend it. year gap Of course, wherever you decide to go and whatever you decide to do, make sure you get comprehensive travel insurance so you can be sure that whatever happens, you will be protected.

Top Gap Year Destinations Revealed by ABTA (Association of British Travel Agents)

The increase in the number of travelers gap year by 10% over the last twelve months is quite significant. Most people this year choose to travel to Australasia, Southeast Asia, South America and the United States. Australia has always been a firm favorite and claimed the number one spot in the most popular year-break destination, and New Zealand has just taken over from Thailand and is now second. Vietnam has jumped from eighth to fifth, and places like India, Brazil and Peru are also on the list. Favorite Objectives for Gap Class Students

How Do People Choose to Spend Their Gap Year?

There are several types of travel gaps that can be arranged. Many young people sign up for overseas work placements, while others are involved in voluntary programs. It is advisable to book through a recommended and reputable company when volunteering, and be sure to do your research regarding the benefits of the project and what you will need. Always invest in comprehensive travel insurance as well. Favorite Objectives for Gap Class Students

Another popular way to spend years gap is to start an adventure journey. Trekking, mountain biking, land tours and other adventures are still a great way to see the world from a different perspective, but all may require a top-up clause in a comprehensive travel insurance policy, so check before you leave.

Of course, the traditional tickets around the world ticket are still booked by more independent travelers, who may want to enjoy a little of everything on their way.

Listening

While the gap year trip is a great way for young people to grow in confidence, get freedom, make good memories and see the world, this can be a challenging moment. Good preparation is key if the experience will be safe and positive, and a comprehensive travel insurance policy is a must!

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in single travel and annual comprehensive travel insurance. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.

How to Eat Healthy at a Fast Food Joint

How to Eat Healthy at a Fast Food Joint

Anyone who has ever tried to lose weight, or who just makes healthy eating habits, knows to avoid fast food restaurants. Those cheeseburgers, fried chicken sandwiches, fries, and milkshakes can wreak havoc on your best intentions.

Sometimes fast food restaurants are inevitable. If you are on the road and nothing else is available, or your kids are screaming for toys in children’s food, you may not have alternative food choices.

But that does not mean you have to be tempted or cheated. Here’s a guide to healthy eating at fast food joints!

Tex-Mex Seductive … But Can Also Be Healthful
Stop at a fast-casual tex-mex place like Chipotle, Qdoba or Moe’s? Skip the burritos, guacamole (the price is more expensive!), And whatever soup or salad is on a plate made of fried tortillas.

A burrito bowl can be a good choice, though, if you miss the rice, cheese, and sour cream. Load peanuts, lean proteins like chicken, and fajita vegetables. To enhance the taste of your bowl, add extra low broth such as cilantro, Pico de gallo or salsa, and black olives.

Yes, You Can Eat at Joint Burger
As long as you are very careful with your order, even a hamburger place was forbidden. Choose a plain burger without mayo or “special sauce”, and request extra lettuce, tomatoes, and shallots.

Or try a grilled chicken sandwich, again with extra vegetables. Mustard adds a kick without adding calories, but be careful with ketchup, which is loaded with sugar and salt. Another option here is to go bun-less and your burger is wrapped in lettuce.

If you find yourself in Wendy’s, try their famous chilli – which is huge only 310 calories and will fill you up. Their baked potatoes can also be a good choice, provided you limit the toppings.

A word to the wise: do not be fooled by healthy-sounding options than dogs, like salads. While some fast food salads come in a healthy lifestyle, others are calorie bombs. Anything with fried chicken, creamy dressings, and extra high fat like nuts or crunchy noodles should be on your black list.

Pizza, Pizza!
Pizza can be an indulgence, but there are some healthier options. Most weight-loss programs for women do not prohibit food explicitly, but suggest modifying and controlling portions.

Some chains offer varieties of “gardens”; In general, the more vegetables you can accumulate on your fast food supply, the better!

If you have a choice between thin and thick crust, a thin crust is the winner.

Either way, keep your intake down to one slice, but beware the sodium level, and work to consume less sodium in the rest of your day’s food.

Get Your Sandwich
If you pass the melted meatballs and cheese, the sub-store can be relatively healthy. Turkish breasts are a safe bet, especially paired with whole wheat bread, abundant fresh vegetables, and mustard instead of mayo.

Of course, you should also say “no thanks” to any combo food that adds chips, cookies, or soft drinks to your lunch. Drink water instead, or choose low-fat milk for calcium.

What to Look For in an Interior Painting Contractor

What to Look For in an Interior Painting Contractor

If you need the inside of your home or painted business, you may be looking for an interior painting contractor at Roswell. These contractors can offer many different painting related services that can save your time and money for the maintenance of your interior space. By hiring a professional, you do not have to search for and purchase the necessary equipment for the job and then take the time to finish it. To find the right service for your needs, you will want to see what is offered and by whom. It can give you an idea of ​​what to expect as you retain the services of a painting contractor while inspiring to refresh all your interior space.
Services offered

What to Look For in an Interior Painting Contractor

The interior painting contractor at Roswell can help you with cracked paint and peeling, stains and more. The contractor has the tools and training to do the job quickly and well, making it easier for you to do it yourself. Most of the time, this service will include wiping the walls before painting and also using a drop cloth to protect your belongings. By hiring other people to do your painting, you can have access to more people for the job, better equipment and sometimes a guarantee in the job. These companies will have enough employees trained in quality paintings to finish work on schedule with a bit of distraction in your daily routine.

Reputation

The reputation of a painting company will be the deciding factor in who you hire for the job. These painters need to have a satisfied customer history to give them confidence in their abilities. You can find online reviews and testimonials and completed project galleries to help you choose a painter to work with. You can also ask your family and friends to find personal recommendations for good painters. As you know how a company has acted and reacted to work in the past, you can get a better picture of how they will cope with what you have for them.

The interior painting contractor at Roswell will offer the services you need to make your home look your way. You can find the best contractor for your needs by ensuring that they offer all the services you want and they have a good reputation with the homes in your area. You can find most of this information online with project galleries so to inspire you. What to Look For in an Interior Painting Contractor

Marketing an Education: 3 Tips for Success

An average college student falls between the ages of 18-24. This means they are a prime target for digital marketing.

However, these young adults are smart. You can not just throw any type of content out there and expect them to bite.

Your strategic marketing plans must be just that- strategic. Luckily, we know a thing or two about content marketing.

Read on to learn 3 tips for successful marketing an education.

1) Lights, Camera, Action- Cue the Video
Video streaming is one of the most effective approaches to capture your audience’s attention. Millennials watch 2.5 times more videos from the internet than they do on the television.

Snapchat is one of the most popular used platforms that most young adults get behind. It allows you to take photos or short videos and post them as your ‘Story’.

Snapchat boasts a variety of opportunities for attracting your blended learning targets. Use the app to show hidden places on campus, students’ favorite go-to pizza place, or funny, relatable content.

Also, Facebook Live is another growing entity that marketers should keep an eye on.

Use campus guides or student ambassadors to highlight all of the notable features to your university. Just make sure it’s stuff that a college student would find interesting!

2) Create Meaningful Experiences
People, especially millennials, are attracted to what makes them feel something. They are more likely to be swayed by a University that creates the meaningful experiences for them.

Experiential marketing is commonly used by marketers who sell experiences. It allows for the student to develop a one-on-one relationship with the school.

A great way to use experiential marketing is through prospective student fairs.

Instead of being another Plain Jane with a generic booth, find ways to sell up your university’s experience.

You can rent a photo booth for students and their friends to take silly pictures of themselves.

Do you have any noteworthy alumni that students would want to meet? Bring them for a meet and greet, too! Students can take pictures and listen to their experience.

3) Boost Your SEO Rankings
Students and their families will likely go online to gather information about schools. When you’re conducting their research, you should secure your spot at the top.

You should learn the ins and outs of Google AdWords. AdWords is one of the most effective tools in driving traffic to a university’s web page.

If you have not focused too much on search engine marketing (SEM), now is the time. With Google AdWords, you will likely see a lot of competition from other schools.

Find or hire a staff member who is fluent in SEM. Without an experienced individual, your search marketing efforts can be quite an futile as it is an ongoing process.

 

The most important takeaway from marketing an education is that you are selling an experience. With the right strategy, this can work very well to your advantage.

Marketers must be able to skillfully create a memorable and meaningful edge to the university.

Do you have any tips for experiential marketing? Share in the comments below!