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Archive of the posts written by author: Minton Smith.

Use These 5 Cost Cutting Tips for Your Home

It feels bad to know that each month, the amount you earn is just enough to pay the bills. There are times when you can barely make ends meet. You rarely have family vacation or even enough money to take everyone for a nice dinner outside. This has to change and there are a few things you can do to reduce the overall cost at home. Here are some of the tips that you can follow.

  1. Use public transportation. Considering the cost of gas and the maintenance cost of driving a car, it is in your best interest to use public transportation instead. This is true especially if only one person is leaving the house and you are going to a nearby place. You can see the difference in how much you spend for transportation each month by using a public vehicle and using your car.
  2. Sell unused items. Take some time off to clean up your house. You might be surprised to find out that there are actually a lot of things that are valuable that you no longer use. Collect them all and sell them through a garage sale or perhaps put them up online.
  3. Install LED Lights. These lights are energy savers. Compared with other lighting options, you will save a huge amount of money by using LED lights. They are also expected to last longer. This means that you don’t have to keep replacing them.
  4. Cancel unnecessary memberships. If you don’t go to the golf club that often or you don’t dine in a fancy restaurant, then let go of the memberships. Who cares about the discounts if you are not using the place anyway? It will just be added expense on your part.
  5. Use a gas range. Instead of using electric cookers, you can use gas range instead. It lasts longer and it can also provide heat in the same way as other cooking devices. You can check out the best gas range reviews for 2017 and find out which of the options available would be perfect for you.

Try implementing these tips and see the changes.


The Incredible Financial Cost of Disposable Razors Over Time

dollar-941246_640You may not notice it but shaving could be very costly. You just don’t feel it because each disposable razor you buy seems really cheap. Some of them are worth at least $3. If you can bring home an item this cheap, you won’t mind buying it. The only problem with disposable razors is that they don’t last long, hence the name. After some time, you have no other choice but to throw it away.

The number of times that it can be used varies according to the user. There are those who would say that they can use the razor at least 30 times. Once it hits that number, the blade starts to become dull and it can no longer shave well. Hence, it has to be disposed. There are men who shave on a daily basis. This means that they might have to buy more than one disposable razor a month. As a result, the amount could really blow up. According to some surveys, men usually spend around $130 for razors each year. You have to multiply that with the number of years that you have been shaving. It could really be a lot. Your simple $3 razor could be costly over time.

The best alternative

This is why it is in your best interest to invest in the best electric shavers. The good thing about using these shavers is that you can use them for a really long time. They are of high quality and they are designed to last for a long time. Since they require electricity to work, you can keep using them as long as you have access to electricity. These types of razors are also low maintenance. You might also say that the electric bill could blow especially with constant use. This is not true. It consumes very little amount of energy. The increase in electric bill could be the least of your concerns.

This is why going for average electric razors is the more practical choice. You just have to give them a try and you might be comfortable using them.

Also read: Deforestation Continues in Malaysia Because of Greed and Profit


Deforestation Continues in Malaysia Because of Greed and Profit

images-of-recent-deforestation-in-malaysia-show-nothing-has-changedFrom 1990 to 2010, Malaysia has lost a huge percentage of its forest. It covers 8.6% or around 1,920,000 hectares. Until now, this number continues to increase and it has affected wildlife. Malaysia is a home to unique species of fauna and flora. Through the years, we have lost a lot of them and the effects are irreversible.

The sad reality is that this would not have happened if not for the greed of human beings. Illegal logging has become rampant in various parts of the country. It could have been easily stopped if government officials were active in pursuing illegal loggers. Sadly, there were reports saying that the officials themselves were involved in protecting these illegal loggers. They are a part of the scheme that prevents these loggers from being jailed.

Malaysia’s resources

One of the reasons why Malaysia is ahead of its neighboring countries when it comes to its economic progress is that it has rich natural resources. It constitutes a significant portion of the country’s economy. Over the years, these resources were harnessed and abused, up until it was too late when they have realized the consequences. The worst part is that after realizing what has happened, the abuse continues. The logging industry is a billion dollar industry.

This is why it is too difficult to stop it now. The palm oil industry alone comprises 85% of the world’s supply. With the combination of illegal loggers and government officials protecting them, efforts to conserve the forests might just end up

Hoping for the best

More than half of Malaysia’s tropical forest is used for production (according to the government’s statistics). Also, the remaining areas are left for protection and conservation. Hopefully, this trend continues up until the problem is solved. You can check these top 10 chainsaws and join in the logging industry, or choose to help in conservation and help in making better Malaysia’s future. This is not the time to delay the efforts. Otherwise, it would be too late. Malaysia highly depends on its natural resources. If greed and corruption doesn’t stop now, it would be an unmitigated disaster in the future.


Getting Fit on a Budget – Should You Invest in a Home Gym?


Hitting the gym is a great way to achieve your fitness goals. There are two main problems though. First, you spend a lot for gym membership fees. Another problem is time. You are so caught up with your job and you always end up having no time to drive to the gym and exercise.

This brings you to the idea of investing on a home gym. Is it better if you retain your gym membership, or would you rather bring the equipment home?

Advantages of gym membership

Although being a regular gym member requires you to spend money, the truth is that it is way cheaper than investing on the equipment. Those machines that you see inside the gym cost hundreds upon thousands of pounds. This does not even include the maintenance fees. It is also more fun if you hit the gym with other gym members. You can speak with them while taking a break. You may also be inspired by those who have already achieved their fitness goals. If you are unsatisfied of your chosen gym or you think they have limited equipment, you can always look for other options.

Another advantage of working out inside the gym is the presence of gym trainers. If you have just started your weight loss techniques, it helps a lot if there is someone who will guide you. Take note that even if you exercise often if you are not doing things right, you can’t see great results. Most of all, gym membership also entitles you to various amenities. This may include steam shower, Jacuzzi, sauna and massage services. You can get them elsewhere, but the price is higher.

Investing in a home gym

The main advantage of having your own gym is that you can exercise any time you want. Even if you have reached home really late, you can still exercise. Even if you feel really lazy, you know that the gym equipment is just within reach so you are motivated to exercise. You won’t procrastinate or look for excuses since you literally don’t have any excuse. You also need not drive elsewhere. Everything you need is at home.

Another advantage of having a gym at home is that you won’t be confused in operating the machines. There are no wires and cables that you have to regularly adjust since you are the only person using them. You also don’t have to worry about hygiene. This could be a bit of an issue though especially if you are using the gym along other people who don’t necessarily pay attention to hygiene.

In order to have a gym at home though, you need to have enough space. There should be an empty room where you can keep the equipment. You can’t just place them all inside your living room, as they could really look messy. The next thing that you need to consider is your budget. If it is not an issue for you, then buying the necessary equipment won’t be a problem. The best way to find out what type is best for you is by reading home gym equipment reviews. These reviews highlight the pros and cons of each one and can tell you how much space (and money) you would need.

Your choice

Ultimately, it is your choice on whether you will be a gym member or you will buy the equipment that you can use at home. The best advice though is to invest first on equipment that you can afford. Weights for instance are cheaper. They may also be sold individually instead of set. Weights are essential in building muscles for faster metabolism. If you can save more money, then you can start investing on bigger equipment. There is no need for you to hurry things up. You can gradually build your gym at home up until you are fully satisfied. In the meantime, you can continue your gym membership. You should also keep attending fitness classes such as Zumba and boxing. They are more fun if done with other people.

The point is that whether you hit the gym or buy the equipment, you need to exercise. There is no point in invest on the equipment or being a member if you don’t do anything to achieve your fitness goals.

Also read: Economics And Finance, Are They Same?


Top Tips for Saving Money in Your Home


There are instances when no matter how you try to make ends meet, you just can’t. You always end up with more expenses than what you earn. This is not a problem though. You could make a few adjustments so you don’t have to come short the next time around.

1. Stick to the plan.

One of the biggest problems when people create a budget plan is that they don’t follow through. They have a detailed plan where they are able to fit in their expenses with the income. The problem is when they start buying stuff; they end up spending for items that are not on the list. This is why you have to stick with the plan no matter how tempted you are to buy other things. You should make sacrifices or plan to buy other things the next time.

2. Let go of useless memberships.

Check your monthly memberships and subscriptions and determine which of them are no longer used. For instance, you might have a golf club membership even if you are not regularly going there. You might also subscribe on a magazine that you can easily check online. You need to cut expenses whenever possible. It might be difficult at times especially if you are used to those things, but you have to make the necessary changes to make ends meet.

3. Be careful in buying items on sale.

It might be easy for you to be tempted to buy items on sale. The problem is that you are forced to buy items that you don’t really need. For instance, you might end up buying a bigger bottle of heavy milk just because of a 10% discount even if you only need a smaller one. Make sure that you understand your needs first.

4. Use induction hobs.

Electricity bill is where a huge portion of your income goes. There are ways to reduce your expenses though. One of them is using the best induction hob for your cooking needs. In cooking for example, this technology allows you to not use fire. It is just a flat surface where heat is immediately spread. This means that you use less electricity. Imagine how many times you cook in one day and the amount of electricity used. This could be cut in half with the use of induction hobs.

With these tips in saving, you can soon have enough for all your home expenses.


Economics And Finance, Are They Same?


The sole aim of the study is to identify the similarities and differences between Economics and Finance. Economics is believed to be the footing for Finance. It comprises many broader aspects like production, consumption and distribution of goods, inflation, recession, supply and demand. There are studies for government income and expenditure, the impact of business proposals and not the least the favourite index for investors to know the companies and markets. The financial segment is tailored with programmes including prices, interest rates, capital allocation, future cash flows, and much more to the business stake holders.

finance1It is a common scenario that both economics and finance are categorised as separate disciplines. However, it is a fact that Economics offshoot Finance. They lie together in a domain and influence each other to attain stability. Investors do not segregate them because modern economics is no more confined to general education, but towards significant calculations and heavily quantifiable stream in practice. Economics is the powerful resource for analysing the fluctuating markets, tax regulation and policies of government etc to reach perfect conclusions in decision making. In the corporate-sector, Economics are the key to monitor the GDP, deficit and inflation in the market, thereby preventing the lodge of investments into the growing sector.

hand drawing graph chart and business strategy

hand drawing graph chart and business strategy

Finance, on the other hand, outweigh economics and converges on cost, money flows, value and risk management. Finance managers are more proficient with capitals, evaluation of risk and kick around the hurdles of business proposals. Finance finds its abundant applications in reckoning values, judgment of financial tools, estimation of fair value to name a few. Apart from that applied finance has a lot of stock-pricing models and bonds which give outstanding results when compared to the theoretical explanations of Economics.

In a nutshell, both have specific roles to play in today’s unpredictable market scenes whilst the drawbacks they converge to a certain extend and cannot be separated as two.

Read More : Concept of Collaborative Consumption


Is Economics An Easy Learning?


Economics prevails in almost every aspect of our day to day life. The overall understandings of the world we live in, particularly the volatility of global markets probe us to learn this independently. It is, in fact, a good idea to figure out the innermost workings and estimation of price and goods that we use daily. Learning Economics do not require the comprehensive knowledge of them although your specialization lies beyond the subject. A little dedication and interest towards the real-life applications would change the scene dramatically.

eco1Today, various methods are implemented to master economics without stepping back to schools or colleges. The most convenient tool is the lectures on Youtube, which are pre-recorded set of videos that can be accessed either by a subscription charge or freely. Although there are no rooms for clarification and questioners, rewinding the videos repeats the lectures, which solves most of the issues. Studying with textbooks adds a bit more to the learning, solving mathematical calculations and verifying answers. This is a boon to most e-learners who do not find reserved time to be physically present in theory halls of the University.

ecoThere are numerous MOOC’s Massive Open Online Courses available for the passionate economics learners. These provide an opportunity to post queries which get answered within a stipulated time. The major benefit of these courses are, you can select the term, whether it is short or long offered by Universities, and do this as part-time or full-time. You may also drop in between or continue later according to your convenience.

Apart from that, learning from the books and journals gives precise knowledge and good basic understanding of the subject. The only effort involved is to find time for reading them and assimilating the contents. Hope this article will help you develop a life-long passion for this interesting subject.

Read More : Smarter Means To Save Money