How Los Angeles Women Can Act, be Financially Savvy and Avoid Facing the Red

Financially savvy people seem to have it all together. They avoid being in the red. They do whatever they can to ensure their financial health is above reproach. Such people have learned how to avoid bad habits that can cripple them financially. These individuals have learned how they can be more constructive in their financial lives. They know what it takes to be financially healthy by doing the right thing. So, what can Los Angeles women learn from them?

Use Consumer Credit Well

First, they learn not to use or exhaust their consumer credit indiscriminately. Consumer credit can do a lot of good when used tactically. For example, it can help in taking advantage of bargains. It also helps people who look for assets that appreciate investing in. What is more, it aids in managing logistics. In the US, each household had a median level consume debt of roughly $3,000 in 2012 against a credit card debt of around $856.9 million.

Consumer credit can be a great tool when used well. However, consumer credit can destroy you financially.
Stop Indulging All Your Wants, All the Time Next, people who do not want to face the red should not indulge their wants all the time. They give in to the message posted through advertisements on various media. They buy whatever they feel like buying. The promise contained in the ads – sublimely or otherwise – that buying specific items will lead to happier, healthier, better, more fulfilling and simpler lives appears so convincing to them. In the end, they spend more money on things that only make them broke.

Avoid Problematic Car Leases

Car leases are a bit problematic too. Financially, there is no reward for leasing a car. Do not believe the monthly lease rates that appear too low and affordable. Those low rates are only meant to hoodwink you. There is always a catch with the low lease rates. The catch has to do with the higher long-term cost of leasing the car. You pay more for a car that you will eventually return. Leasing a car is not something worth doing if you want to be financially healthy.

Stop Allowing Advertisements to Rule Your Life

As previously stated, advertisements should never rule your life. Los Angeles women are in one of the most beautiful cities in not only the United States but also the world. Every day, they face a barrage of advertisements that seek to convince them to purchase specific items or services. Advertisements are good, but they should never control your life. Often, advertisements end up creating more confusion.

Making a decision not to rely solely on advertisements involves:

a) Understanding and avoiding market traps
b) Recognizing the real value of what you need
c) Keeping more of the money you earned through hard work in your pocket
Advertisers want you to spend more. They care naught that you remain with nothing.

Approach Technology Cautiously

Lastly, technology is good. The world is now receptive to multiple programs and software that make life easier, simpler, and better. Technology also improves quality of life in some instances. However, do not be a person who readily accepts, adopts, and begins using all new technologies you come across. Rushing to the local store to buy the latest gadget or device might appear cool but hurt your finances irreparably.
Check Face the Red to learn more steps to take to avoid being caught up in the web of debt.

How XERO Crows Nest Can Help Your Commercial LA Women’s Club Financially

Women have emerged among the best business owners in the recent years. Today, women own more than 10 million businesses in the United States. Away from the businesses, they also run several projects, such as the LA Women’s Club. Some run such projects for fun while others do it commercially. Regardless of the reason for running such projects, it is inconceivable for these women to excel without accounting tools such as XERO Crows Nest. How can such accounting tools help women in Los Angeles excel in business?

Help Reduce Overhead Costs

First, it is worth reiterating that women run their businesses to make money. They do that by meeting a need. A life of continuously making money cannot be possible when there is no way of determining whether a business is making profits or losses. Fortunately, the accounting tool they use helps them to know their overhead costs. This is important because overhead costs can drive a business to the verge of collapse without proper monitoring.

Overhead costs women entrepreneurs need to be familiar with include:
a) Administrative expenses such as office supplies
b) Marketing and advertising costs
c) Facilities and equipment costs
d) Vehicle-related expenses
e) Insurance
f) Tax-related expenses

Managing Cash Flow Professionally

Finding a good and highly effective way of managing cash flow is crucial to the success of any business. Accounting software can do just that. With the right software, you will have no problem staying on top of your cash flow. A business that does not manage its cash flow can never be financially fit. This is because, without proper cash flow management, a company can easily find itself struggling from month to month, to finance its operations.

Focusing on the Numbers

A good accounting program requires paying close attention to the numbers. It helps you stay ahead of the situation. Well-run businesses monitor the kind of money they bring in as often as they find necessary. This could be each day, week or month. The women running these businesses, therefore, are capable of determining how much they should be making per month or per week to be profitable. There is no shortcut other than to know how the business is performing each week and month.

Keeping Abreast of All Financial Ratios

The business’ financial ratios also need some close attention. Profitability of the business depends on the ability to track specific business ratios. With a good program, you can do this effectively. Good programs help you to track the correct ratios. For example, it will highlight the current ratio, which is critical for tracking how healthy the business is. A ratio of 2:1 is normal with a healthy business. It means that the business has $2 worth of assets, but owes $1 in liabilities.

Therefore, do not delay investing in a good accounting program. Even as you spend time immersed in Shakespeare’s work, remember to empower yourself and other women to succeed in business investments. Share it with your friends at the LA Women’s Shakespeare Club. With proper tools, you can learn to excel in your business as Shakespeare did in his. Teach them the benefits such a program will bring to their businesses. The biggest benefit is that the accounting program will help stabilize their businesses financially, increase profits and spur its growth.

Los Angeles Immigrant House Cleaners Facing New Challenges

Los Angeles is largely an immigrant city.  Like many US cities, it is generally divided into classes, a “tale of two cities” if you wish.  Being the second largest city in the United States, and Located near the Mexican border, it’s no surprise that it attracts lots of latin immigrants.  They take one lots of service jobs, like manual labor in contractor work and house cleaning, laundry service and child care work.

Especially  with the current Trump administration cracking down on undocumented immigrants, there is more uncertainty nowadays surrounding the legal well-being and financial/employment future of this population then ever before.  It comes with especially egregious irony that these poor men and women not only have to work on the lowest rungs of society, facing bigotry and discrimination along the way, but now have to face institutional and legal challenges to their mere existence in the USA.

While this may come as somewhat of a surprise to readers, “illegal” employment of undocumented workers really doesn’t shock citizens of larger cities.  Like this Reuter’s article showing a revelation in a gubernatorial race really didn’t have an impact on voters.  Coming from NYC originally, I am well aware of the masses of workers standing outside of home depot, hoping for daily work as contractors on staten island, as well as the hoards of “cleaning ladies” in NYC, since everyone lives and overpays rent for apartments.

Los Angeles is even worse, of course, since it’s a border city with one of the largest populations of immigrants (undocumented and otherwise), as well as plenty of demand for housework and manual labor.  Furthermore, many of them report that they are treated very poorly by their “bosses”.  Considering the city speaks spanish about 75% of the time (some searching for son buenas las lavadoras digitales to find the best washing machine for their households), why should anyone be surprised that there are undocumented immigrants around?

What do you think about these issues?  Do you think these immigrants should be granted more protections or rights?

Image courtesy of PRI.

 

Importance of great reviews

Membership to clubs provides a great platform to learn more and understand products and services, and find great deals and so are reviews. Reviews are an important tool for individuals and businesses. Research shows that 88 percent of consumers have unshakeable trust on reviews. In fact, they rely on the reviews to determine whether there is value in buying a product from a specific firm. They can help attract customers to buy products and services from hair products, insurance, and debt management services to sparking interest in books and plays. It can also help people learn more about the products and services available.

The typical scenario when one is looking for a product or service is that people would contact the company or person selling the product for more information. Others do plenty of research before making a decision. Lately, though, a significant number of clients are relying on reviews when they need to learn as many features of a product as possible. Whether it is buying an insurance policy, a car, a house, or finding a school, people need as much information as they can get before making decisions.

The above are just a few examples of things or products you cannot buy unless you read as many reviews as possible. Reviews are crucial for various reasons.

You Get Accurate and Objective Feedback

Trustworthy review sites represent the views of fellow customers who have bought and used a similar product to the one you are interested in. Firms that produce whatever you wish to buy do not write the reviews. Therefore, they are often accurate and objectively written. Donít ignore the phrase you commonly see, ìread full review here .î They provide relevant information that can save one from regrets or worse. The information is often objective and presented in language that is easy to understand.

You Receive Other People is Opinion

One written review is not enough to base your decision on. You need to read as many reviews as possible about a specific product or service. Check the reviews for a running theme. If the running theme is one of an excellent product or customer service, you will not throw away your money on something substandard. If the running theme were nothing other than unresolved complaints, you would better think twice. Reading a lot of reviews can be very helpful so that you can base your decisions on opinions from different quarters especially with a lot of fake reviews being available on the internet.

Spotting Fake Reviews

You can learn to spot fake reviews. A few characteristics of fake reviews include:
a) Marketing language/speak
b) Multiple reviews that read or sound exactly the same
c) Polyamorous reviews
d) Monogamous reviews
e) Hyperventilated negative reviews
f) Discount codes or directions on where to find the product
g) 1-3 reviews only which are all overwhelmingly positive

Always check the reviews to confirm if they have been updated. Another reason for checking is to find out if the management responded to issues clients raised in previous reviews. A golden rule here is to stop believing everything you read on reviews. It is a good idea to be skeptical. If you find the reviews too good to be true, contact experts and ask for their opinion

What Lessons Can We Learn from Shakespeare about Bingo?

William Shakespeare is perhaps the worldís greatest playwright of all time. His works have been published and distributed all over the world. His books are used to teach students English, literature, and history in many countries. What you may not realize is that his works also offer many lessons on bingo. Today, everything you know about bingo is probably what you have read on the Internet on sites such as https://www.boomtownbingo.com.
So, what can you learn about bingo from Shakespeare?
You Hold Your Destiny in Your Hands
In one of Shakespeareís books, Julius Caesar, he says, ìstars do not hold our destinies, but we do.î The saying is also true where bingo is concerned. Nobody can prevent you from winning a bingo game or tournament. The ability to succeed is in your hands. Your destiny while playing the game is in your hands too. There is a lot of wisdom in the words Julius Caesar spoke in this book. You can apply that wisdom in every area of your life too.
Be Strategic
In the book, Romeo and Juliet, Romeo offered timely advice. He said itís better to go wisely and slowly because those who rush eventually stumble and fall. You can say the same thing to anybody playing bingo. Itís good to be strategic when playing this game in the company of other bingo enthusiasts. Rushing without thinking things through could jeopardize your chances of winning the game and some money too.
Take Action
In the book, King John, Lewis said you need strong reasons to take strong actions. Once again, this encourages bingo players to take time and think any move through first. Purposeful rationalization and solid reasoning often get you far in this game. Lack of reasoning, on the other hand, will mess up your chances. This piece of advice is great for those playing bingo professionally.
Exercise Patience
Patience is a virtue in your personal or professional life. Shakespeare talks about the importance of patience in his book titled, The Tragedy of Othello. Today, it seems as though everybody is in a hurry. Impatience is prevalent today than at any other time in human history. Playing bingo impatiently is a recipe for disaster. Patience to check your moves before using your cards will determine whether you leave the table/room happy or not.
ìThings won are done,î was the resounding cry Cressida made in the play Troilus and Cressida. Again, you can apply that in bingo and just about any other aspect of your life. It is indeed true that you can only win bingo by doing certain things. You need to make decisions. You need to be timely with every move you make. Practice winning and you will soon be leaving the bingo sites and venues the winner.
These few examples teach you a few things you can apply to areas of your life including playing Bingo. Visit sites that will help you discover the best bingo deals, fun, news, and competitions. When youíre not engrossed in Bingo, immerse yourself in the lessons and stories of love, tragedy, and comedy as written by the great bard.

Writing Can Be Hard on the Back – But Can a Chiropractor Help?

Writing has all types of frustrations and downsides.  Besides the obvious creative difficulties, writers’ block, criticism (both external and internal), and the mounting odds against commercial success, it also has some physical downsides.  Sitting at the computer all day, or hunched over a notepad, can have some dramatic effects on your posture and overall comfort.  After years of dealing with these issues, we here at Lawsc.net have some up with a series of things you can do to help avoid the pain associated with “writers hunch”, both with treatment and preventative measures.

Chiropractors, Fact or Fiction?

Many who follow scientific news may have seen several years ago when science writers Simon Singh underwent a long libel lawsuit leveled by a Chiropractor association in the UK.  It brought up the issue of whether the chiropractic practice were somehow not “real” doctors.  For whatever reason there is this continuing myth surround the profession, but I can tell you from personal experience that this stuff works!  I’ve been going to an oceanside chiropractor for the past 2 years and I’ve always felt so much better after our sessions.

I can’t speak to the science behind it all, but they do seem to have a deep knowledge of the human anatomy and proper alignment.  If you are out of alignment you generally will suffer the consequences, whether it’s with your posture during writing work, your stance during running or jogging, or other workout regimens.  Even sitting with a wallet in your back pocket can have really big impacts on your spinal alignment.

Ergonomic Office Chairs

This tactic is more of a preventative measure, but also works to stop some pain from creeping into your daily life.  Getting a nice, high quality ergonomic office chair is the best way to avoid poor posture going forward.  It won’t necessary correct any alignment, but it will avoid falling into poor alignment, as well as being quite comfortable.

There’s lots of benefits of this besides posture, such as breathable fabrics so you don’t get hot/sweaty sitting for long hours, easy of motion when swiveling, as well as foot and headrest attachments.  These chairs can range in price to the very expensive, but there is a reason for that.  You know the saying, you get what you pay for, and that applies here.  That being said, you can probably opt for one that is priced somewhere in the middle range, and still get lots of benefits.

Shorter Hours

Last tip here is somewhat of a hard truth.  You should try to reduce the number of hours worked, and introduce some variety and other avenues of enjoyment into life.  There’s lots of studies that show working long hours actually reduces your productivity, so instead of focuses on putting in hours, focus on putting in quality.  You’ll be surprised how much you get done in a shorter time span.

Hope that this is helpful to all you aspiring Shakespeares out there.  Know that you don’t have to sacrifice your comfort to put in good, quality work.

Maintaining Your Beautiful Smile with Modern-Day Dentistry Options

Oral health has been a concern for long before Shakespeare wrote his classic works. As early as the medieval times, people took care of their teeth, though through crude means such as cleaning with charcoal, bloodletting in case of certain types of a toothache, and the use of amulets, charms, and herbs. Many of the oral health problems in existence now were experienced in those times such as tooth decay, bad breath as a result of tartar buildup, and herpes simplex which is thought to be referenced in Romeo and Juliet as blisters on the lips. Books were even published in the 15th century on tooth extraction, treatment of tooth decay and jaw fractures, and oral hygiene. There have been major advances in oral health procedures since then; doing away with the crude methods, taking away the terror, and making it easier to achieve a beautiful smile. Here are ways you could maintain or improve your facial appearance today with the help of Sunnyvale oral surgeons.

‘ Dental implants: whether you’ve lost your teeth as a result of poor oral hygiene or trauma, you don’t have to remain with toothless gaps or as was the case in the old times, have them replaced with animal teeth. Nowadays, highly educated oral surgeons can replace your teeth using dental implants. These are artificial teeth made of different materials; some of which resemble your natural ones. They are permanently attached to the jaw through titanium screw-like structures, bringing back your smile and the ability to bite ad chew comfortably. All this is done under anesthesia, meaning you won’t feel any pain during the procedure.

‘ Orthognathic Surgery: if you have skeletal or dental problems such as misaligned jaws and teeth, corrective oral surgery is able to realign your jaws and teeth so that you can be able to eat and talk properly. It also has aesthetic benefits including improving the appearance of your smile. Again, this process is painless due to the numbing effect of anesthesia. Sometimes, other orthodontic treatments are used. These include the use of braces and retainers to bring teeth back into their proper alignment. While traditional braces are very visible, newer types of treatment such as Invisalign offer similar benefits but are hardly noticeable.

‘ Root canal treatments: unlike in the old days when toothaches were treated through bleeding and crude methods of tooth extraction, there are painless methods of relieving toothache and saving the tooth. Root canal treatments clear infections that have reached the root of the tooth. This invasive, but painless procedure typically involves at least two appointments during which the roots are cleaned and sealed. The cavities are then filled with a permanent material some of which resemble the tooth. Crowns can be used to provide additional protection.

There are a lot of modern options to achieve and maintain a beautiful smile, relieve a toothache and restore full functionality of teeth. Some of these are cleft and cosmetic surgeries, dental bridges, teeth whitening products, and mouth guards. Despite these advancements, proper hygiene is still as important now as it was then thus regular brushing and proper flossing should be observed.

Picking the Right Limo for an Event

When you are attending a birthday party, concert, sporting event, or a showing of Bard’s plays, you will need a means of transport unless the venue is a walking distance from your place. If you need to drive to an event venue in Houston, why not enjoy the stylish comfort of a limo service on your way there and back? Here’s a guide to choosing the right limo rental Houston.

‘ Reviews and references: there’s no better source of information that will prepare you for the actual experience you will be getting than hearing the views of the service’ former customers.

‘ Experience: The experienced limo service providers know the likely challenges of coordinating a great limo ride. They are also experienced in transportation within the city. This is not to say a newer company won’t give great service, but you’ll need to check the experience of the staff especially the chauffeur.

‘ Check the available cars in person: if it’s not on short notice, you should find time to see the vehicles available in person. You don’t want to ride in a worn-out limo because the pictures online won’t give you as good a sense of the car as a personal visit would.

‘ Cost: this is an obvious factor in selecting a limo service. You need to be sure its cost is within your budget. Limo companies may have layers of charges added to the base rate so you should confirm that all the fees are included so that you’re not given a bill that is higher than your initial quote.

Also remember to check certification, insurance, training of chauffeurs, and whether the vehicle has been inspected. This way, you are more assured of safety.

Why You Should Hire Cleaners for Your Home

House cleaning is not an enjoyable task for many. That aside, the sheer challenge of balancing home cleaning, motherhood, and work leaves many women with little or no extra time. Therefore, they can hardly engage in the little things that give them joy such as immersing themselves in their favorite Shakespeare works and engaging in other hobbies. If you find yourself with little time to spare, you can free some hours by letting someone such as a barefoot maid clean your house. Here’s why you should consider getting professional cleaning services.

‘ Get free time: when you hire cleaning services, you are not only letting someone else handle the task you have difficulty tackling; you are also buying yourself some free time to handle other chores, relax, or indulge in a hobby.

‘ Hire experts: you may not know how to get rid of the stubborn stains and unpleasant smells, but the cleaning service providers do. When you hire them, you can enjoy these benefits.

‘ Get consistent cleaning: the maids you hire to clean your house can be relied on to clean your house as often and as regularly as you want. Therefore, you don’t have to compromise on the cleanliness of your house because other obligations took up all your time.

Most cleaning companies will allow specifying some specific things you desire. You can provide your own products that will be used in cleaning, have them use your equipment like washing machines (if laundry service is included, see here for some options on washing machines). You can schedule the cleaning as is convenient for you and provide different levels of cleaning whether you want regular maintenance cleaning, deep cleaning, spring cleaning or thorough moving-out cleaning.

 

Things to Find Out Before You Select a Tutor in Los Angeles

Shakespeare’s works didn’t just make a mark in theatres. It also found its way into the American classrooms. His plays, like Romeo and Juliet, Macbeth, and Hamlet feature in the English curriculum taught in American high schools. Though great, the works are profound and not easy for many people to understand, making the services of tutors necessary to help students understand and excel in tasks that involve Shakespeare’s work. It is, however, important to find a good tutor. You’ll find tips below on how to find the best tutor for your child from a large number of Local tutors in LA.

Education and Experience

The tutor you choose needs to possess the core knowledge necessary to help your child. You need to find out the level of education the tutor has and in what field. For the English classes involving Shakespeare’ work, what better person to help you than someone who has immersed himself/herself in Bard’s work after high school. It’s even better if you find one who has been teaching such lessons for a while. If you are considering someone who isn’t an experienced tutor, it is important that s/he should have recently gone through similar classes and excelled. In trying to determine just h qualified the tutor is, you should also find out the examination boards the tutor is familiar with.

Venue

You need to know where the tutor is willing to hold the tutoring sessions. This might not be an issue if you intend to use a virtual learning platform because then, distance is not an issue and the child can learn from the comfort of their home. However, if you think learning will take place better in a face to face session, you’ll need to agree on a meeting place.

Teaching Methods

You also need to determine the tutor’s teaching methods. Ask about how the long the session would need to be, how they will be made engaging, how they’ll be made fun, and who will be responsible for arranging the materials required for the lessons. You need to know if the tutor will provide the reading and writing materials or if you need to factor this in your costs. It is also important to find out how the tutor tracks the progress of the child. Does s/he give homework and if so, what amount. This is because a little work may be beneficial as long as it doesn’t overwhelm a child who already has homework from school. Further, find out how assessments are done.

Testimonials

Find out if there are any clients the tutor has worked with. If the tutor can provide testimonials, it can give you a better insight into what it will be like working with him/her. It is also the best way to find out if there are any issues to be concerned about. Though testimonials might be sufficient evidence of the tutor’s abilities, you should also check to make sure that the documentation presented is current.

Most importantly, you need to ensure maximum protection for your child. Therefore, you must check the tutor’s criminal record to make sure they are not wanted for any crime, and they are not listed as previous or wanted sex offenders.

The London Plane Tree

London has a variety of trees such as the gray alder, wild cherry, black poplar, acacia, planes, oaks, and maples, and mulberries, which the great bard himself is said to, have planted in Stratford-upon-Avon. Some are majestic while others are rather plain trees. The plane tree is definitely not one of the london plain tree. In the play, ‘two noble kinsmen,’ we find the words, ” Where a cedar higher than all the rest spreads like a plane” These words are thought to have been making reference to the plane tree (Platanus), which has been described as an extremely handsome tree that was quite scarce in England back in the 1540s.

This tree, whose likely ancestor, the oriental plane is thought to have been grown in France, in the old days; stands tall and huge with its impressive branching and unique often camouflage-patterned khaki bark. The tree’s appearance is majestic whether in winter or summer. It is a widely planted urban tree in London today; making up more than half of London’s tree population. It thrives even in sooty air and drought and outlives most of the other shade trees planted in urban environments. The tree also thrives in different kinds of soils, including loam, clay, and sandy, acidic or alkaline soils can be easily transplanted and is not affected by Anthracnose. Due to its big size, the tree would not grow well in a small space, but it provides a great shade when it grows. Aside from allergy concerns due to spores released from its fruits, the tree is a great addition to the streets of urban areas.

Richard III: Plays as Propaganda

Works of art and literature being used to forward a specific agenda is nothing new. In fact, even the great bard took part in this practice. The best example of this is his play Richard III which centers on the evil title character, chronicling his rise and fall from power.

Set during the final years of the Wars of the Roses, it basically shows how King Richard III’s so-called wicked reign set England towards one of its darkest periods. However, by the end of the play, we see order, peace, and prosperity restored with King Henry VII’s reign.

The play was written when Queen Elizabeth I was on the throne. If you were not aware, Elizabeth I was a member of the House of Tudor. Her grandfather was Henry, Earl of Richmond who would later become King Henry VII. He would earn this title after deposing Richard III off the throne. His ascent to power would establish the Tudor dynasty.

The play shows what many historians refer to as the Tudor myth. The play forwards the legitimacy of the reigning noble house while also vilifying its rivals.

Macbeth’s Descent

Macbeth is a character that has inspired countless others in media and literature. He represents a protagonist’s journey from being the hero to the villain of his own story. Portraying a sense of tragedy and poetry, this descent into evil has been shown several times in popular culture, most recently in Breaking Bad’s Walter White. However, while these stories are good in their own right, it is vital that people understand that Shakespeare did it first.

At the start of the play, Macbeth is introduced as its warrior hero. His victories in battlefield would eventually win him great honor from the king. Essentially, Macbeth is a fully realized character with his own set of insecurities and weaknesses. This goes against the opinion many people have of him. As he murders King Duncan, he is filled with doubt and uncertainty.

As the play progresses, however, notable changes appear with Macbeth’s personality. The events in the play show how he would become the dominant partner in his marriage as he descends further into guilt and madness. However, like with all tragedies, he acquires an excess of pride and hubris which would lead to his eventual downfall.