Sasha Says… – Page 46 – Family and Home. Money Matters. Life in General. And More.

Brain Wave, Entrepreneurship & Business Talks, Money matters

Become the master of your own trading strategy

December 13, 2018 No Comments

When you are running a business, it is necessary to listen to just yourself. Other people are controlling your own business and this fact will mess with your head. The basic freedom of a business is based on the chance of listening to and following your own thoughts. This is true for all people around the world. Even if your business is nothing compared to the big companies, the rules and regulations will have to be made from your own mind. Yes, we have mentioned rules and regulations in the last sentence. That is because to maintain a business properly a person will also have to be consistent. In the case of the trading business. People can be consistent with their trading strategy. In the following article, we are going to talk about that and tell you about mastering your own trading strategy.

Learn about markets properly

To create a strategy about trading, traders will have to know about it first. The market analysis comes first for making it legit. Before opening any trader, traders will have to know about proper position sizing. That is possible with the proper market analysis first. For the traders to know about that. They will have to learn about finding key swings and price trends. You can easily be done that by finding out the support and resistance points properly. That is also possible with looking at the price charts and using some horizontal lines. Then traders will have to use the Fibonacci tool as it is the most legit one to learn about the possible future condition of the market. You will not be able to be right all the time. But there is no better way than that to go for a trade.

Consider it as your business

New traders don’t want to consider this profession as their business. But all the pro traders always consider it as their day job. They have done extensive research to know who the best Forex broker in Australia is. You can’t be the best if you don’t trade with the best. Though the charges and fees might be a little bit high in the elite class broker still you will have the safety for your investment. Take this profession as your business and you will succeed in the long run.

Know about position sizing

Now that you have learned about market analysis, it is time to work for the position sizing. There is two major factor for that. One is your desired risk to profit margin. And the other is your market analysis. As you have done the market analysis, it’s time to know about setting the right kind of targets with risk to profit margins. For those who don’t know, it is a ratio which represents the risks and reward ratio from the trades. It is something like 1:2 which means you are risking 1R and desiring the profit to be 2R. R is only the unit of calculating the risks and reward for the trading business. Now that you have learned about proper target setting. It is time to work with your position sizing properly.

Include the money management

Like the proper strategies for the trading business, people will also have to work with money. No, we are not talking about the targets like in the last segment of this article. There are more things which are related to the trading business which is based on money management. We are talking about actual money management of the trading account. Even the individual risks per trades are in this management system. When traders will be able to manage their money properly with proper understanding about their trading performance, they will be able to save a lot from their business. Your investment will be safe from using it too much like bait to draw in more profit.

Brain Wave, Community issues, Society at large

How to Prevent the Devastating Effects of a DUI Charge

December 12, 2018 No Comments

A DUI charge can result in fines, loss of license, or even jail time. While you can take certain steps to avoid drinking and driving in the first place, it is also important to know how you can minimize the long-term damage if you do make a mistake. Hiring the right DUI lawyer is a good start, and keeping the tips here in mind can also help. If you stay calm and approach the problem properly, you can avoid fines and jail sentences that would otherwise completely derail your life.

Knowing the Limit

The first thing you need to do when trying to avoid a DUI charge is to make sure that you don’t get caught driving over 80 in the first place. You can accomplish this by knowing how much it takes to put you over the legal limit of 80 mg of alcohol in 100 mL of blood. Usually, this amounts to two to three drinks, although heavy-set men might be able to go four or even five drinks before reaching that threshold. Remember that eating, drinking, and taking time to let the alcohol go through your system can all decrease the amount of alcohol in your blood. Doing all of these things can help keep you safe behind the wheel and ensure that you don’t go over 80 in the first place.

Dealing with the Police

When you get pulled over for driving over 80, you need to keep in mind that your behavior at this point may affect the overall course of your impaired driving case. You should remain cooperative with police officers but avoid volunteering potentially incriminating information about yourself. Answer the questions asked, but don’t go beyond the scope of those questions. You should also make sure that you create an account of your dealings with the police that your lawyer can review later on. This can help the lawyer determine whether any procedural errors might aid your case and to note whether your account differs from the police report.

Hiring a Lawyer

Once the initial traffic stop is taken care of and the charges have been filed, it is time to reach out to a DUI lawyer who can help you navigate through the legal process. When looking for a lawyer, you need to find somebody with experience in your area. For example, if you live in Ontario then you need to find somebody who has practiced in the courts of Ontario before. The more experience, the better, as long as that experience has a reasonable track record for success as well. When in doubt, look for reviews on the lawyer from former clients. If you can find a lot of happy clients, then you can probably trust that these lawyers know how to get things done.

Getting a DUI charge is an unfortunate matter and one that can make you feel like you are completely out of control of your life. Luckily, a good lawyer can see you through these troubles and get your life back on track as soon as possible.

Brain Wave, Community issues, Society at large

Steps to Take After Being Charged with Driving Over 80

December 12, 2018 No Comments

If you get pulled over and given a breathalyzer test, you run the risk of serious consequences if the test reveals that you have more than 80 mg of alcohol per 100 mL of blood. These charges over 80 can lead to severe fines, the loss of your license, or even jail time if you don’t do something about them. You should consult with a DUI lawyer as soon as possible, but you should also make sure to follow the steps outlined below so you can provide your lawyer with the best information possible.

Choose Your DUI Lawyer Carefully

Choosing the lawyer who will represent you in court is more than just a matter of typing “DUI lawyers near me into a search engine. You should look for a lawyer who has experience in your region. While a young lawyer might provide the right energy for your defense, it helps if they are attached to an established group where experienced lawyers can help guide them on proper procedures and precedents for your case. If you are unsure of what DUI lawyer you should go with, ask for a consultation. Most experienced DUI lawyers offer free consultations regarding your case so they can show you the kind of defense you will receive if you choose them. This can help you to make an educated decision and can dispel doubts about a particular lawyer if you have any.

Prepare a Written Account

After the incident, you should write down everything you can remember about the traffic stop and any interactions you had with the police following that. If you remember specific language used by the police officer or unusual actions, make sure to note that. Include details such as whether you submitted to a breathalyzer test without complaint or whether you refused to voluntarily take the test. Every piece of information you can provide to your lawyer represents information that may be useful in court. Your lawyer can compare your report with the report made by the arresting officer and other public documents. If your lawyer finds discrepancies, they might benefit you when the trial goes to court.

Stay Out of Trouble

While you can usually expect a swift trial after being charged with driving over 80, you still have time to give your prosecutors more fodder for their court case if you aren’t careful. While you are awaiting trial, make sure to be on your best behavior. While additional traffic stops and arrests aren’t supposed to factor into your case, the judge is only human and can be swayed by a pattern of behavior. Your DUI lawyer will work hard to strike down circumstantial evidence, but poor behavior after a drinking and driving stop can still lead to a harsher sentence than you would get if you stayed on your best behavior.

A drinking and driving arrest can leave you wondering what to do next. If you follow the advice above and consult with a knowledgeable DUI lawyer in your area, you should be able to get through this situation with as little stress and embarrassment as possible.

Brain Wave, Entrepreneurship & Business Talks

5 Business Solutions That Are Ideal for SMEs

December 5, 2018 No Comments

The search is on—rather, it has been on for quite some time—for cost-efficient business solutions fit for small-to-medium enterprises (SMEs). These fledgling but ambitious companies now account for a good chunk of labor in the world’s emerging markets. A study conducted by the World Bank in 2017 gauged the number of micro-, small, and medium enterprises around the globe to be from 365 to 445 million.

But, in the face of quickening technological advancement and stiff competition, some of these SMEs don’t make it past their 6- to 12-month period of growing pains. There are the small business that invest too much of their limited resources on costly business solutions; on the flipside, there are those that fail because they don’t invest in any infrastructure at all.

So, where does one draw the line if they want their SME to succeed? How much upgrading must a small business owner do to preserve the efficiency of their operations, all without breaking the bank? We feel the answer lies in using certain technologies to one’s advantage and taking on a practical mindset about purchasing decisions—that means, knowing exactly how much will be spent, what range of features will be included, and how much any one solution could up one’s chances of profits.

If you’re currently part of this demographic, and you have a lot of decisions on your plate—learning new content management software, automating business processes, or relying on a trusted SAP partner — here’s a list of business solutions we feel will benefit just about any small-to-medium business. These range from affordably-priced to completely free.

1. LibreOffice.

2. SimplyBook.Me. SimplyBook.Me constitutes free software that you can use to make your business’s own booking website, or integrate with an existing site for a part to manage all your business’s incoming business appointments. This solution can keep you on top of bookings, cancellations, and reschedules of business activities, all without consuming the valuable time and energy of your in-house office staff.

3. Trello. Initial signup for Trello, one of the most beloved and user-friendly project management tools on the web, is also free. The most notable feature on Trello is its productivity boards, which offer a creative and visual touch to project planning. Thus, with Trello, it’ll be easy for you and your employees to manage each aspect of your individual projects, and it’ll also be fun to do so.

4. Canva. Design platform Canva is what you can use to create eye-catching and unique promo materials for your business. Good design makes a huge difference in properly advertising a business’s products and services. If your business doesn’t have as substantial a budget for graphic design services, but team members who are willing to tinker with Canva’s creative features, then you can opt to engage with this popular platform.

5. SAP Business One. Coming from the world’s most trusted brand of enterprise resource planning (ERP) software is SAP Business One. Using SAP Business One for SMEs guarantees them access to a lean, but unified centralized database system that integrates data for sales, finances, customer relationship management, inventory, warehousing, and operations all at once. SAP Business One has proved popular amongst smaller-scale retailers, distributors, and manufacturers—all with good reason.

In the end, it will be about learning to adapt the technology to the unique circumstances of your business. Though these business solutions will no doubt make things faster and easier, it will be up to you and your employees to test everything out, manage purchasing and renewal arrangements, and measure each solution’s impact on your productivity.

But rest assured that these solutions, as well as a slew of others, are available in the pipeline—and they’ll afford a big boost to the growth and the survival of your business.

Brain Wave, Family and Home living

Residential Roof Inspection Checklist For Your Colorado Home

November 29, 2018 No Comments

The roof plays an important role in your home. It provides safety to you, your family and your valuables while keeping all of the elements out from your home. It protects your entire household from harsh weather conditions and warrant comfort. This is one of the reasons why whenever you’re buying a new home or renovating an old one, a residential roof inspection checklist should be in place. This can help you determine what details to look for in a roof. After all, you want a roof which meets all of your expectations, right? Aside from using the information from klausroofingcolorado.com, this article can also help you come up with a residential roof inspection checklist for your use.

Your roof is comprised of a lot of things. For a first-time homeowner, paying attention to all of these details can be too overwhelming and time-consuming. If you’re not well-guided, you’ll likely end up with a roof which doesn’t give value to your money, ruins the overall theme of your home, puts your family and valuables in danger, or all of the above. Steer away from this direction by including the following in your roof inspection checklist:

1. You should always cover the basics.

Fortunately, you don’t need to take years of training before you can assess the state of your roof. There are many visible signs which can tell you if your roof is in working condition or needs repairs or replacements. If you’re scared of heights, grab a pair of binoculars and inspect your roof from the ground. This option will allow you to see any missing shingles on the roof or any metal flashing in your chimney.

But if height is not an issue to you, go ahead and climb your roof using a sturdy piece of ladder. This option will provide you with a better view of your roof since you’re already up close and personal. Be wary of the following whenever you’re checking your roof:

Damaged or missing chimney caps;
Granules of shingles in the gutters;
Growth of moss and algae; and
Missing, curling or blistering shingles.

2. Become your own handyman.

Once you see any of the signs listed above, don’t wait for another sign to pop up. Usually, when the second sign is already present, your roofing problem has gotten worse, and you might need to pay for expensive repair and replacement costs. One way of saving yourself from this kind of situation is by being your own handyman. While hiring roofing contractors might be the most obvious choice, minor roofing problems can be fixed on your own.

For starters, any missing or damaged shingles can be replaced right away. You can use the extra shingles you had from your latest renovation project or opt to buy new ones from your local home depot store. Fixing minor roof problems doesn’t only cost less, but you’ll also save a lot of time, too. You don’t have to check and wait for the roofing contractor’s availability just to get the job done.

3. Be careful in choosing a roofing contractor to hire.

Knowing how to fix your roof on your own is always a good thing. However, there will be instances when your skills are no longer enough – that you already have to hire professionals to do the job for you. For bigger roofing problems such as a sagging roof or roof replacement, have the professionals take the wheel. Attempting to repair these kinds of problems can only lead to more significant issues in the long run.

However, when hiring roofing contractors, always consider at least three options. Never hire the first one you see around the neighborhood or the one offering the cheapest or most expensive products and services. Solely looking into these factors will not guarantee any positive results. Instead, scout for many roofing contractors, reach out to them to inquire about their products and services and hire one who fits your budget without compromising quality service. As a paying customer, you should always get your money’s worth.

4. Clear your roof of any moss and algae.

Seeing plants in your lawn can make your property stand out, but it’s never the same thing once moss and algae are starting to take over your roof. Seeing these on your roof actually means bad news because moss and algae need water to grow. And if they’re able to do this on your roof, it can be a telltale sign that moisture is already present in your roof and its materials are no longer durable. Continuing to use this kind of roof can cause injuries and bigger roofing problems in the future.

Depending on when you’re planning to clean your roof, you can opt to use a broom in the spring. Pour a moss killer along the ridges of your roof and any areas with green patches. Leave the solution for at least three hours, sweep the roof and gutters and finish off by applying the granules. If your schedule allows, you should regularly clean your roof so moss and algae will not build up.

5. Find early signs of a roof leak.

Giving your roof an annual overall checkup should be a necessity. This is one way of assessing the condition of your home before bigger problems start to become visible. But since leaks are one of the most common roofing problems any homeowner can experience, it’s important that you know how to detect its earliest signs. Fixing leaking roof as early as possible can save you a lot of time and money.

If you suspect your roof is leaking, look for the following signs:

Certain areas of your ceiling look darker than others;
Paint in the overhangs of your roof starts to peel;
There are damp spots near your fireplace;
Water stains are visible on the pipes venting the furnace or water heater.

If you’re having a hard time determining any of these signs, call professionals for their help. Most often than not, roofing contractors will use specialized techniques in checking your roof. With their tools and experience, they can surely provide a reliable assessment.

6. Determine when and how you’re going to replace your roof.

Everyone likes to save – that’s why most homeowners would only replace their roof if and if their roof is no longer usable. When the leaks are no longer repairable, or the roof doesn’t serve its purpose anymore, that’s the only time when they will call for a replacement. This kind of practice has its own set of pros and cons. Its biggest cons would probably be the delay when you’re not able to find a roofing contractor the moment you need one. Since you’re already desperate for their help (how else can you live in a home without a roof, right?), you likely hire someone who is either overpriced or provides low-quality products and services.

As a general rule, you should have a new roof once the old one already turned 25 years old. Regardless if your roof is still functional even with its lifespan, it’s best if you replace this before any problem occurs. This is the reason why you should always secure copies of your home renovation documents. Doing this can help you avoid experiencing any stressful situations concerning your roof.

7. Watch out for those trees.

As mentioned, having any plants within or new your property is always a good thing. Maintaining greeneries is like hitting two birds with one stone – you’re taking care of the environment while improving how your property looks. Every homeowner would love to experience these! However, when the branches of these trees start to make contact with your roof, be warned. Branches which are too big can cause damage to your home and injuries to you and your family. In worse cases, this can even become the reason why electrocution can happen.

Fortunately, there are several solutions to this problem. The oldest trick in the book would probably be about trimming all of your trees regularly. You can do this on your own or with the help of professionals. If you’re eyeing to take the latter option, just make sure that you also scout for options and inquire about their costs and services beforehand. If you don’t have the time and resources to maintain your trees, opt to plant ones which don’t grow too high. There are many kinds of trees or plants to choose so make sure you pick ones which fit your style and schedule.

Slow And Steady Wins The Race

Since a roof will require you to pay a large amount of money, you should exert time and effort to come up with a sound decision. You shouldn’t think hastily as this can only do more than good. Remember that your roof shouldn’t only look good, it should also function well. It should keep everyone inside your home safe, not inflict danger. Use this article to be your guide so you can finally accomplish this goal in your new roof!

Brain Wave, Life Hacks & Tips and Tricks, Travel and Attractions

9 Essential Tips When Flying with Children

November 14, 2018 No Comments

You’ve probably heard about or had to live through the horror of getting stuck beside a screaming baby on a long-haul flight. Bored and angry toddlers can easily create havoc for parents and surrounding passengers alike. That is aside from the problems that parents have trying to keep up with their kids on top of all the logistics of flying. However, with the proper preparation, there are some things you and your family can do to make sure that your traveling experience goes as smoothly as possible. Here are nine essential tips for when flying with children.

Plan on Providing Entertainment for Your Children

Don’t expect your kids to sleep on the flight. You can ask for the kids to visit the cockpit, but you may not be allowed to do so. So for your own sanity and that of everyone else around you, bring multiple activities for your children. You can bring a tablet or eBook reader, but realize that they may get bored with it, break it, or the batteries may run out at some point. For that reason, you should bring backup entertainment options like coloring books and crayons, sticker books, story books, cards and stuffed animals. For younger children, bring at least one favorite blanket for them to hold on to.

Bring Snacks for Your Children

Let’s be honest – your kid may not be able or willing to eat the fancy lunch they’re serving on the flight. You might not want to trust them with the roast beef and green beans, or they may be allergic to the main course. Bringing snacks that they like ensures they won’t go hungry. They may not be happy when told dinner won’t be served for another hour or all of the sandwiches that they like may have been eaten by the time the stewardess gets to you, so having food they like ensures they won’t melt down because they’re hungry.

Plan Toilet Stops

Plan to make regular toilet stops, and then make extra stops when you’re going to be in line. This means you should go to the toilet right before boarding the plane. Give your kids limited liquids while on the flight so they don’t have to go to the toilet every five minutes.

Go for Early Boarding

Take advantage of early boarding if you can. It is easier to get your children and your luggage in place when there are fewer people in the aisle. This is the time you’ll be able to get assistance, if you need it. You may not even have to pay extra for the privilege. If the airline asks whether those with small children or otherwise need assistance boarding, speak up. Then see if you can get someone else to get the stroller and three carry-on bags in the overhead bin.

Invest in Rolling Car Seats

One of the simplest ways to save your sanity when traveling with young children is investing in an airline-approved car seat that rolls. Now you don’t have to juggle several suitcases and car seats. The ideal model will let a sleeping or busy toddler sleep in the car seat as you pull them along.

Connect with Other Parents

Whenever possible, connect with other parents on the flight. You could strike up conversations with them about their kids and yours, and your kids could entertain themselves by talking to their new best friends. It certainly doesn’t hurt if you can get spare diapers or tips from another parent. However, this doesn’t get you out of your responsibility to pack enough wet wipes, pull ups and diapers for your children.

Be Ready to Talk to a Flight Attendant

If you have a child under two, you should be ready to talk to a flight attendant when you board. They need to know if you’re going to have the child sitting in your lap during the flight. Knowing the rules on asking for a bottled to be warmed or how to handle diapers in advance helps you avoid potential disasters, because you cannot put them in the toilet. Don’t forget to ask how to hold the baby during takeoff and landing.

Prepare Them for Pressure Changes

Children will complain about their ears popping when you’re on a flight. Discuss this in advance, and know how they can alleviate it. Hint – that’s by yawning or chewing gum. If the children are old enough, bring gum on the flight so you have it on hand. For babies and toddlers, give them pacifiers or a bottle to have the same effect.

Know Your Rights

There is a chance that your flight will get cancelled. Make sure that you know your rights regarding flight cancellation compensation before you leave so you’ll know the procedure in case something happens. Services like AirHelp can get you several hundred dollars back that you could otherwise leave on the table. You should also know about the travel perks that may come with your credit card or travel rewards program, such as immediate cash payment if they lose your luggage for instance.

Follow these tips, and you’ll avoid many of the mistakes that make others regret traveling with their children. Furthermore, you will all be in a better mood when you reach your destination, ready to enjoy whatever awaits.

Money matters

How to live your life debt free

November 13, 2018 No Comments

Do you spend a large amount of your time worrying about money? Are you overwhelmed by the stresses and strains of daily life? Would you do anything to enjoy a more relaxing and straightforward existence? If your answer to any of these questions is yes, you should set yourself the challenge of becoming debt-free. Don’t worry; achieving this goal is much easier than you would first think! If you are wondering how to make the first move, you should simply work your way through the following four steps. They will help you to turn your life around and to take complete control of your personal finances.

Hold yourself accountable

Firstly, you will need to get a lot better at holding yourself accountable. Whenever you are wasting money, dodging bills, or stacking up debt, there needs to be a voice in your head that speaks up. You could even place your trust in a loved one and ask them to keep you on track. Perhaps you could send them your monthly bills, or maybe they could assist you with the completion of your taxes. Whatever you decide, the most important thing is that you are unable to run away from your responsibilities. If you are going to live your life debt free, it is vital that you take a stand.

Organize your finances

The next step is organizing your finances thoroughly. Instead of wasting your time rifling through a pile of receipts or a mess of bank statements, you will need to create a system for storing your financial information. You should also get to work establishing budgets for your monthly expenses, along with your annual outgoing costs. Depending on the current state of your personal finances, this could take you quite a while. However, once you have pushed through the initial stages of managing your money, you will be well on your way to a life of order and control.

Find helpful resources

Although it is essential that you take responsibility for your finances, you need to recognize the fact that you are not alone. There are so many helpful resources for you to rely on if you are struggling to wrap your head around your money problems. For instance, if you are trying to decide between personal capital or mint, you can find out everything you need to know online.

Seek Professional Help

Sometimes, no matter how positive, productive and hardworking you are, there may not be a feasible way out of your debts. Perhaps you’ve taken out a loan or credit card that has an insurmountable rate of interest and find yourself chipping away at the interest alone each month – never touching the actual debt. In situations like this, seek out a reliable debt settlement attorney who will help to create a situation you can actually work your way out of!

Surround yourself with positive influences

Last but not least, you should be surrounding yourself with positive influences. If you are determined to reach your goal of a debt free life, it is a good idea to spend your time in the company of people who share your outlook. It is also a good idea to keep your distance from reckless individuals who encourage you to take chances and forget about your future goals. Choosing the right friends and family members to connect with will help you to remain focused, motivated, and enthusiastic at all times. You never know, you might even inspire those around you to follow in your footsteps.

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