The phrase work smarter, not harder, might have a different meaning for everyone. After researching this phrase, I discovered that the term originated in the 1930s by Allen F. Morgenstern. As an industrial engineer, he created a work simplification program to increase productivity with less effort. There are different opinions on this idea, some agree while others do not. These […]
6 ways to work smarter, not harder
Personal Financial Planning – Insurance
Insurance is the most common risk transfer technique in risk management. There are 3 layers of insurance protection. In the first place, the social stratum, provided by the national schemes. For Singapore, it will be CPF insurance such as DPS, HPS, Medishield, Eldershild, CPF Life. These are usually the most basic requirements and the premiums are more affordable. Second, the […]
av system designs for education cost
av system designs for education AV system designs for education can save both time and money. These consultants are independent, which means they do not have any affiliation with any one vendor or service provider. This helps them make recommendations free from bias and are focused on the most effective, affordable solutions. Choosing an AV company is an important step […]
Putting a Value on Your Personal Injury Claim
Your doctor or chiropractor has released you from treatment for your car accident and enough time has passed that you are about to sit down with adjuster Henry Hard-Nose. His employer is Rock Solid Insurance, the company that insures Fred Fuddle, the guy who slammed into your butt, crushing you in a tremendous crash that was responsible for your injuries […]
When should a landlord hire an attorney?
A property owner generally does not need a lawyer to file an eviction lawsuit or to represent them in court. Florida law allows the landlord’s agents, such as a real estate agent or property manager, to file simple lawsuits for eviction. These agents are limited to presenting the complaint for possession only. If damages are sought or if the tenant […]
The Best Online Discount Broker Guide: What To Look For And What To Avoid For Affordable Online Trading
The Internet has paved the way for investors to turn to an online broker or firm instead of working with one in person or over the phone. There are so many options available online, including discount brokers who will charge a fee of just pennies per share, depending on the type of stock, EFT, or options you buy. The best […]
Improve your social media profile quickly and easily
You have a social media profile for each of the social media channels you have joined. You probably know to stay on top of your social media profiles once you’ve created them. It is not enough to simply create the profiles and then leave them alone. If you do that, you won’t get anything back. Quick and painless changes to […]
Essential elements to make an investment portfolio
Investing is not a game. Not for the faint of heart. Stock markets move up and down. One cannot simply predict the market. Its movement cannot be predicted. So you can’t measure time, it’s up and down. One can build a strong portfolio to possibly be successful. Few considerations to take into account. Invest with a goal in mind: As […]
Medicare MAPD: Loved by Seniors, But Will It Last?
Harry Truman began the process of establishing a national health plan by asking Congress to enact legislation in 1945. Twenty years later, he was the first person to enroll in Medicare under the newly enacted law signed by Lyndon Johnson. The dangers of “socialized medicine” had been debated for two decades, and now the US opened the door to the […]
What is a 401k?
A 401k plan is usually offered through your employer. You will be able to make a contribution to your plan from your paycheck. This contribution can be made before taxes or after taxes, depending on the options offered by your plan. In some cases, your employer will match a portion of your contribution. Once you’ve saved a good amount of […]