Author: anwaryusef

Anwar Y. Dunbar is a Regulatory Scientist. Being a naturally curious person, he is also a student of all things. He earned his Ph.D. in Pharmacology from the University of Michigan and his Bachelor’s Degree in General Biology from Johnson C. Smith University (JCSU). Prior to starting the Big Words Blog Site, Anwar published and contributed to numerous research articles in competitive scientific journals reporting on his research from graduate school and postdoctoral years. After falling in love with writing, he contributed to the now defunct Examiner.com, and the Edvocate where he regularly wrote about: Education-related stories/topics, Science, Technology, Engineering and Mathematics (STEM), Financial Literacy; as well as conducted interviews with notable individuals such as actor and author Hill Harper. Having many influences, one of his most notable heroes is author, intellectual and speaker, Malcolm Gladwell, author of books including Outliers and David and Goliath. Anwar has his hands in many, many activities. In addition to writing, Anwar actively mentors youth, works to spread awareness of STEM careers, serves on the Board of Directors of the Friends of the David M. Brown Arlington Planetarium, serves as Treasurer for the JCSU Washington, DC Alumni Chapter, and is active in the Dave Ramsey Financial Peace Ministry at the Alfred Street Baptist Church. He also tutors in the subjects of biology, chemistry and physics. Along with his multi-talented older brother Amahl Dunbar (designer of the Big Words logos, inventor and a plethora of other things), Anwar is a “Fanboy” and really enjoys Science-Fiction and Superhero movies including but not restricted to Captain America Civil War, Batman vs. Superman: Dawn of Justice, and Prometheus. He is a proud native of Buffalo, NY.

Surety Bonds Demystified – How They Work and Why You Need Them

A key focus of my blog is Financial Literacy/Money. One area many people don’t know about is Surety Bonds. As with most financial concepts, knowledge of Surety Bonds can be an important tool in your financial tool box. The following sponsored post is entitled, Surety Bonds Demystified – How They Work and Why You Need Them.

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Surety bonds are an essential tool to help protect your construction business. But they can be complicated to understand.

A bond is a contract between a principal, such as a construction company, and an obligee, which could be a regulatory authority or a private client. The bond protects the obligee from financial losses incurred due to the principal’s actions.

Obtaining a Surety Bond

So, what is a surety bond? Surety bonds are financial guarantees that contractual obligations will be fulfilled. The bond binds the Principal, the Obligee, and the Surety Company.

The bond’s cost, known as a premium, is determined during underwriting when the bond provider assesses the applicant’s risk and approves or denies the application. The bond type, project scope, and principal’s financial wherewithal affect the premium amount.

Several techniques can help a Principal lower their premium, including providing collateral or having an experienced co-signer with a strong credit history.
These can also boost a Principal’s bonding capacity, the maximum amount a Surety Company will guarantee on any one or aggregate of projects.

A successful bond application requires a thorough understanding of the relevant state and federal regulations that apply. In addition, a Principal needs to know their obligee’s requirements. Knowing the specific stipulations for a project can help reduce delays in getting bonded and can also help ensure that all of the needs are met for a smooth construction process.

Underwriting a Surety Bond

Most bond applications require a detailed financial history to be reviewed by underwriters. This is done to determine if a principal can meet the bond obligations in the event of a claim. Underwriting involves assessing risk based on credit analysis, financial strength, and a record of honoring commitments.

The person or business requiring the bond (the obligee) files a claim with the surety company that issued the bond. Once the claim has been validated, the surety company will pay out the obligation outlined in the bond. The principal is then required to reimburse the surety company.

The best way to lower your bond costs is by partnering with a surety agency that specializes in your industry and has an extensive network of reputable A-rated surety companies to choose from. In addition, working with a broker who regularly analyzes your financial statements and focuses on building long-term relationships with underwriters can make a significant impact on your bond costs.

Claims Against a Surety Bond

When an obligee feels that a principal has not performed as agreed, they can file a claim against the bond seeking financial compensation. The claim is reviewed by the surety provider, who then pays out on the claim based on their evaluation of the circumstances. The obligee is then obligated to reimburse the surety provider.

Contract bonds are required by government agencies, private contracts, and certain other entities for companies that wish to perform work. Different types of surety bonds include court and probate, janitorial, notary, and license and permit bonds for individuals who perform home health care and janitorial services.

When choosing a surety broker, look for one that takes the time to understand your company’s history and future growth plans and present them in a way that best positions you to secure a bond. Evaluate your broker for more than good service; expect a business adviser who will help you navigate the sometimes complex world of surety bonds.

Payments Against a Surety Bond

A surety bond guarantees that contracts, business deals, and other obligations will be fulfilled according to mutually agreed-upon terms. If the obligee is harmed, they can claim the surety bond and receive financial compensation.

To be approved for a surety bond, your small business must be able to complete projects under the required conditions. This includes working capital, cash flow, and managerial experience. In addition, the underwriters must have a high degree of confidence in their technical skills and ability to manage the company’s finances.

Construction companies commonly need to obtain contract bonds to guarantee they will fulfill their work according to specific rules. Similarly, auto dealers must get cement to ensure they aren’t selling lemons. Many large-scale service providers, such as home health care agencies and janitorial companies, must also have surety bonds. Bonds are also used to protect individuals in court and probate matters.

10 Steps to Protect Your Business Legally

Two focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. A major part of your business is its legal arm. Solidifying that part of your operation will ensure that you can focus on generating profits. The following contributed post is entitled, 10 Steps to Protect Your Business Legally.

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Running and operating a successful business is something that can be very rewarding, but it is also important for you to make sure you are running the company in the right way. There are loads of different ideas that are going to help you achieve this, and it is essential that you understand how you are able to protect your business legally. If you want to be able to achieve long-term success, this is something that you are going to need to focus on as much as you can, and it is vital to try to improve this.

Being able to run the best possible business is absolutely essential, and there are a lot of factors that will help you here. Protecting yourself legally is crucial for making sure you run a successful and reputable company, and this is going to help you attract more people to the company. So here are 10 ways in which you can protect your business legally moving forward.

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1. Hire a Lawyer

Perhaps the easiest and most effective way of being able to do this is going to be to hire a business lawyer, or lawyers with specialized experience in the world of business. Ravid & Associates is a firm that covers several different elements of business law, including product liability, premises liability, and workers compensation.

2. Understand Business Law

Something else you should be actively looking to do, that not enough business owners are doing these days, is understanding business law. Familiarizing yourself with the laws and legal requirements of running a modern business in the United States is going to help you avoid legal difficulties, and ensure that your company is operating at peak level at all times. By making the most of this, you can put your company in the right position for long-term success, and keep everything running smoothly at the same time as well.

3. Ensure Quality Control

An area that too many businesses these days seem to fall down on is the issue of quality control. Whether you are developing a product or a service, you need to make sure you are providing the highest possible quality and value for your consumers. This is going to help keep you out of trouble, and will allow you to protect the business against possible legal issues in the process as well. This is something that you can do by implementing quality control processes as much as possible in the business.

4. Have a Health & Safety Procedure

Health and safety is the cornerstone of any modern company, and this is something that you are going to need to get right as a business owner. It is vital that you provide a safe and secure working environment, for both employees and customers. Keeping on top of this is one of the best things you can do to protect the company legally, and you preserve your reputation in the process by guarding against legal action that people might take as a result of injuries or accidents in the workplace.

5. Make Sure You Have a Fire Safety Process

Having a fire safety process is something else that it is essential that you keep on top of, and this is going to help you when it comes to improving your company in a legal sense. There are a lot of factors that you have to keep in mind with this, and developing the best possible fire safety process as a business helps to ensure you are ticking all the right boxes that you should be in a legal sense.

6. Make Sure You Meet Building Regulations

As a modern business, you need to give thought to the kind of property you have, as well as what you want your premises to be like. There are certain building regulations that you are going to have to adhere to by law, and this is something that your company needs to be aware of. There are so many different elements that will help you improve upon this, and making sure you get that part of the process right is really important for legal protection.

7. Get Insurance

Making sure your business is insured is one of the most important elements that you need to be focused on when it comes to legal protection. Insurance is absolutely key in so many different ways, and you have to make sure you are focused on the best ways of being able to protect the company, belt and braces. This is one of the key ideas that you can use that will help you to do better for the brand long-term, and you need to ensure you have this before you start bidding on projects.

8. Backup Your Data

One of the worst things that can happen to a business is that you lose all your important information and data. This is going to open you up to a whole load of legal ramifications, so you need to make sure you are protected in the event that anything should happen to the system. This will also simplify your business, and the way you run it as well. That means you need to look for some of the best ways of protecting your data so that you can back it up more effectively.

9. Protecting IP

Trademarking products, slogans, and other intellectual properties is a really smart move from a business sense, as well as protecting you legally in the process too. This is something that you need to try to get right as much as possible, and there are plenty of ideas that will help you here. Protecting your ideas and designs is essential for protecting the future success of the company.

10. Tax

One of the biggest ways of being able to protect your company legally is to make sure you are paying the appropriate amount of tax. Whilst there may be loopholes that allow you to pay less tax, you will still need to pay some, and dodging it altogether is a slippery legal slope that is not going to end at all well.

As you can see, these are some of the most effective and impressive ways of being able to protect and look after your company legally. Covering your business and ensuring everything is above board at all times is really important; using these 10 steps can help you a lot when it comes to boosting the legality of the business.

10 Helpful Tips to Planning a Successful Home Renovation

Two key focuses of my blog are Home/Living and Home/Property Discussions. Home renovations are major investments. As such you want to go in with as vast a knowledge set as possible. The following contributed post is entitled, 10 Helpful Tips to Planning a Successful Home Renovation.

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Embarking on a home renovation is an adventure that can dramatically transform your living space. However, it requires careful planning and execution to ensure success. Whether it’s a minor update or a major overhaul, here are 10 helpful tips to guide you through planning a successful home renovation.

Photo by Pixabay:

Define Your Vision and Goals

Before you start swinging hammers, it’s crucial to have a clear vision of what you want to achieve with your renovation. Start by defining your goals. Are you renovating to increase your home’s value, to make it more energy-efficient, or simply to update its style? Your goals will significantly influence your design
choices, budget, and overall approach to the renovation. Take the time to gather inspiration from home design magazines, websites, and even neighborhood walks to refine your vision and preferences.

Develop a Comprehensive Plan

A well-thought-out plan is the blueprint of a successful renovation. Begin by assessing the current state of your home and identifying the areas that need improvement. Consider the flow of rooms, the functionality of spaces, and how changes might affect the overall layout. This is the stage to think about structural alterations, such as removing walls or adding extensions. A comprehensive plan should include detailed drawings or sketches, a clear list of renovations, and a step-by-step approach to achieving your vision.

Set a Realistic Budget

One of the most critical aspects of home renovation is budgeting. Underestimating costs can lead to unfinished projects or compromised quality. Start by determining how much you can realistically afford to spend. Then, break down your budget into categories – materials, labor, permits, and a contingency fund for unexpected expenses. Researching the cost of materials and labor in your area can give you a more accurate estimate. Remember to include the costs for finishes and decorations, as they can add up quickly.

Choose the Right Contractor

The success of your renovation largely depends on the contractor you choose. Look for a licensed and insured contractor with experience in the type of renovation you’re planning. Ask for references and review their past projects to assess their quality of work. It’s also important to ensure that you have good chemistry with your contractor; after all, you’ll be working closely with them throughout the process. Clear communication and mutual understanding are key to turning your vision into reality.

Obtain Necessary Permits

Many homeowners overlook the importance of obtaining the necessary permits for their renovation projects. Permits ensure that your renovations comply with local building codes and regulations, which are crucial for your safety and the integrity of your home. Failure to obtain the right permits can result in fines and even require you to undo some of the work. Consult with your contractor or local building authority to understand what permits you need for your project.

Plan for Efficiency and Sustainability

Incorporating energy efficiency and sustainability into your home renovation is a smart and forward-thinking approach that pays dividends both environmentally and financially. When planning your renovation, consider integrating energy-efficient appliances that consume less power and have a smaller carbon footprint. Modern appliances come with ratings that help you understand their energy efficiency, allowing you to make informed choices. LED lighting is another excellent investment; these lights use significantly less electricity and have a longer lifespan than traditional bulbs, reducing both your energy bills and replacement costs.

Prepare for Disruption and Delays

Home renovations can be disruptive to your daily life. Prepare for noise, dust, and the presence of workers. If your kitchen or bathroom is being renovated, plan for how you will manage without these essential rooms. It’s also wise to anticipate delays, which are common in renovation projects due to factors like weather, supply chain issues, or unforeseen structural problems.

Emphasize Quality Over Quantity

When it comes to materials and finishes, quality should take precedence over quantity. Investing in high-quality materials and workmanship can save you money in the long run due to lower maintenance and repair costs. Don’t be tempted by the lowest bid or the cheapest materials. Instead, focus on finding the best value for your budget.

Utilize a Construction Glossary

Navigating the world of home renovation can sometimes feel like learning a new language. Terms like “load-bearing walls,” “subflooring,” and “R-value” can be perplexing. This is where a construction glossary becomes an invaluable resource. Understanding these terms is crucial for making sense of contracts, blueprints, and the conversations you’ll have with your contractor. It empowers you as a homeowner to be an active participant in the renovation process, rather than a bystander. A construction glossary can demystify complex construction concepts, helping you to understand the specifics of what’s being done in your home. This knowledge not only aids in effective communication but also helps in ensuring that your expectations align with the realities of construction work. You become better equipped to ask pertinent questions, evaluate the progress of your project, and make decisions with a clearer understanding of their implications.

Stay Flexible and Open to Changes

Flexibility and open-mindedness are vital traits during the renovation process. Even with meticulous planning, renovations can often take unexpected turns. You might discover that a particular material is no longer available, or a design idea doesn’t work as well in practice as it did on paper. Sometimes, hidden problems like electrical or plumbing issues may surface once the work begins, necessitating a change in plans. Being flexible means being able to adapt your plans to these new circumstances without losing sight of your overall vision. It’s important to maintain open communication with your contractor during these times. Regularly discussing the project’s progress and any changes can help prevent misunderstandings and ensure that any adjustments are in line with your ultimate goals.

A successful home renovation requires careful planning, clear communication, and strategic decision-making. By following these 10 tips, you can navigate the complexities of a renovation project and achieve a space that not only meets your functional needs and aesthetic preferences but also adds value to your home. Remember, the key to a successful renovation is not just in the finished product but in the journey of transforming your space into something you love.

Keeping Yourself Safe At Work More Easily

Three focuses of my blog are Career Discussions, Health/Wellness and Workplace Discussions. Depending on the type of work you’re doing, safety may be a key consideration as it will impact your personal and professional lives. The following contributed post is entitled, Keeping Yourself Safe At Work More Easily.

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If you are keen to make sure that you are really looking after yourself, there are few places that are going to be quite as important in this as your workplace. Wherever it is that you happen to work, you will find that you are much more likely to be able to keep yourself safe if you are keeping this at the forefront of your mind, and if you follow a few specific ideas and rules too. So let’s take a look now at what they might be that you want to consider, as that is going to help you out a lot.

Image Credit – CCO License

Follow Health & Safety Rules

One of the main things you need to do here is to make sure that you are following all the necessary health and safety rules that might come into play. As long as you do that, it’s going to mean that you are much more likely to actually be able to understand how to keep yourself safe. Those rules are there for a reason, and very often following them is going to be enough to ensure that you are keeping so much safer on the whole. This is a simple but highly effective thing that you can do.

Champion Better Conditions

If you do notice that the conditions you are all made to work in could be somewhat better, then this is certainly something that you might want to try and champion, because it might be a lot more challenging than you think to make sure that you are doing that. The truth is that there are very often problems with workplaces that need sorting out. If you notice that things are not as they should be, and you get injured as a result of those poor conditions, you might have a case to take up with Javier Villarreal Law Firm or someone similar.

Image Credit – CCO License

Keep Aware

As far as possible, you should try to keep aware of what is going on around you, what your surroundings are, what you and other people are doing, and so on. If you can do all that, you’re going to find that you are much more likely to stay safe, and that everyone else will be more likely to stay safe too. That is something that you are definitely going to want to think about here. Keep aware, and it will make a huge difference to how safe you can really be.

Use The Proper Safety Equipment

For so many jobs and tasks within jobs, you have to make sure that you are using the proper safety equipment. This is something that you definitely need to think about if you are going to try and make yourself a lot safer, and it’s likely that you are going to need to think about this. As long as you are using the proper safety equipment, you should find that you can keep yourself safe at work so much more easily on the whole.

Preventing Losses in Singaporean Warehouse Operations

Two focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. No matter which country you are conducting business in, you want to maximize your operations in terms of profits and losses. The following guest post is entitled, Preventing Losses in Singaporean Warehouse Operations.

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• Effective warehouse management in Singapore involves organization, reliable equipment, and robust security measures.
• Regular background checks, efficient inventory management, and automation significantly enhance operation efficiency.
• Seamless integration with other systems, regular quality checks, and modern technology adoption are crucial for loss prevention.
• Staff training and fostering a learning environment are vital for operational success and risk mitigation.

As a business owner, it is quite frustrating to see considerable losses of stocks and products in your warehouse, especially in Singapore, where space is minimal and costs are high. However, you can significantly minimize the losses with the right measures and strategies. This blog post will discuss effective ways to prevent losses in your Singaporean warehouse operations.

Keep Your Warehouse Well-Organized

Properly organizing your warehouse is crucial for fast, efficient, and safe operations. Ensure that every item is correctly labeled and stored in its designated location. Consider using color codes to organize your products and pallets. This will help you locate items quickly, minimize mistakes, and reduce the risk of product damage.

Use Reliable Equipment and Technology

Invest in high-quality warehouse equipment and technology to improve the efficiency of your operations. Consider using tools that are designed to move goods safely and quickly. For instance, you should look for a reliable forklift for sale to move products around the warehouse. You can also invest in a durable pallet racking system to store your products vertically and save on space.

Invest in Robust Security Measures

It is essential to secure your warehouse from unauthorized personnel and theft. Be sure to install CCTV cameras and alarms to monitor and alert you of suspicious activity. Additionally, provide your employees with training on security protocols and encourage them to report any unusual behavior. You may also consider implementing a badge or ID card system to track who enters and leaves your facility.

Conduct Background Checks

Another effective way to secure your warehouse is by conducting background checks on potential employees. This can help weed out individuals with a history of theft or other criminal activities. Regularly reviewing and updating your security measures is also essential to stay ahead of potential threats.

Adopt an Efficient Inventory Management System

A good inventory management system can help you track the movement and location of your products, identify any discrepancies, and even automate some of your warehouse processes. Consider investing in inventory management software, such as SAP or Oracle, to help you streamline operations, reduce manual errors, and provide real-time data on your stock levels.

The Benefits of Automation

Incorporating automation in your inventory management system can be a significant game-changer. Automated systems can continuously monitor stock levels, promptly notifying you when to reorder to prevent stock-outs or overstocking. They can also accurately predict demand trends, allowing you to plan better and reduce wastage.

Integration With Other Systems

An optimized inventory management system should be in collaboration. Instead, it should seamlessly integrate with other systems, such as your accounting software and point of sale system. This integration means data flows automatically between systems, eliminating manual data entry, reducing the chances of error, and ensuring all your systems reflect the same accurate, real-time information.

Implement Regular Quality Checks

Goods can be damaged during transit, storage, or handling, leading to significant losses. To prevent this, inspection and quality checks should be done regularly on incoming and outgoing goods and those stored in the warehouse. Quality checks ensure that damaged products are identified before they are sold or shipped, minimizing the risk of customer complaints and additional costs.

Use Modern Technology for Quality Checks

Embrace the power of technology to make your quality checks more efficient and accurate. Technologies like barcode scanning and Radio Frequency Identification (RFID) can help track goods throughout the process, from delivery to dispatch. They can also be useful in identifying any missing or misplaced items. Furthermore, drones and robots can inspect hard-to-reach places and significantly reduce the time taken for the checks.

Train Your Staff

Your staff is the backbone of your warehouse operations. Ensure that they are adequately trained on handling and storing your products properly. Provide them with safety training on how to operate the equipment safely, including pallet jacks and forklifts. You may consider hiring a professional training company to provide regular training programs for your employees.

Foster a Learning Environment

Encourage a culture of continuous learning within your warehouse operations. Regularly update your staff on changes in operational guidelines, industry best practices, or occupational health and safety regulations. You can consider organizing workshops, seminars, or team-building activities to facilitate knowledge-sharing and peer-to-peer learning. The more informed your staff is, the better they will be at identifying and mitigating potential risks.

Warehouse operations can be challenging, but with the right measures, you can significantly prevent losses from your Singaporean warehouse operations. Keep your warehouse well organized, adopt a robust security system, invest in an efficient inventory management system, conduct regular quality checks, and train your staff. These steps will minimize the risk of losses and improve overall efficiency, saving you money and headaches.

Love Sports? Here’s Why Should Try the Water!

Two focuses of my blog are Athletics and Sports and Health/Wellness. Water sports can be a fun way to pursue your physical fitness and really enjoy yourself. The following contributed post is entitled, Love Sports? Here’s Why Should Try the Water!

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There is nothing more exciting than choosing to start a new sport. With the new year looming, most people are starting their New Year’s resolutions. So have you ever considered putting your minds to doing a new sport that you’ve never tried before? Did you know that most people think that a sport is something that they should do by obligation? In fact, the opposite is true. You should never feel obligated to participate in a sport, but you should feel inspired to. You should feel like participating in a sport is going to be the best thing that you do with your week.

Whether you choose to Play tennis or play football’s completely up to you, but engaging in sport is going to be one of the best things that you can do for your mental and physical health. If you love sport already, and you already take part in a couple of teams, have you ever considered expanding your reach to the water? If you’re fortunate enough to live near a body of water in any way, or one is close enough for you to get to regularly, then engaging in a water sport is going to be life changing. Some people love to paddle board and other people love to learn to surf. But before you can decide which sport you want to do, you need to decide to get on the water in the first place. Did you know that only around 80% of Americans say that they can swim?

The thing is, only over 50% of swimmers know how to do the basics to be able to save a life in the water or to save their own life. It doesn’t matter how old you are learning to swim, it can save your life and it can also be a great way to exercise and push out any of the adrenaline you’ve been pent up in your body. So if you love sports we’ve put together a list of very compelling reasons why you try water sports and not just stay on land.

Image source: Pexels

● It’s not limited to just you. Water sports are fun for the entire family, and the reason is that you can get your kids as involved as you want to be. Of course, you can decide to go ahead and engage in a new spot on the water by yourself, but where’s the fun in that? After you’ve had a stressful day at work or a stressful week at work, getting out onto the water could be the only thing that makes you feel good about yourself on the inside. Whether you are recreationally swimming or you decide to learn to surf, you can get the kids involved too. Not only will they be excited to get involved in a new sport, but they have something to do that isn’t just staring at screens all day. The fact that you can do it together as a family also helps to enhance your togetherness.
● It’s excellent exercise. Water prevents your body from moving as freely, which means that there is a resistance for you to move through every time you want to exercise. Certain water sports are fantastic to work your core muscles with and you can really burn off some calories. Stand up paddle boarding is a good way to exercise your entire core, and swimming is a great workout because it’s an easy way to get a full body workout in. Because there’s no impact on your joints, it’s a very safe cardio workout as well. Most people who suffer injury like to get into the water, to continue exercising because there’s a support with the water. They can still enjoy endurance when they are swimming as well because it is a low impact activity that engages everything in your body.
● You have sore joints. If you are advancing in age and you are dealing with achy joints, then water sports including swimming are fantastic for you. You’ll be able to use your joints while you swim without making your symptoms worse, which is why hydrotherapy is a good option if there is rheumatoid arthritis on your medical sheet. If you are feeling stiff or you’re having knee troubles, swimming is going to help you to exercise your body and exercise the joint without putting any additional pressure on it. This level of support isn’t something you can find in traditional sports.
● It’s excellent for your mental health. Is there anything more fun than learning how to surf and being crushed over by waves? Is it more of a challenge to stand up on a paddle board? Yes, it is. If you can manage to exceed yourself and meet that challenge head on, you’re going to be excited by that and it’s going to make you feel good about yourself. You deserve to reduce any depression or anxiety that you may be feeling, and you’re going to improve mental health as you get onto the water and learn how to do something new.

Image source: Pexels

● It’s fun all year round. Water sports generally tend to be fun no matter the time of year, because swimming especially is something that you can do in an indoor pool as well as an outdoor pool. You can still paddle board in the winter if you want to, but just make sure that you are suiting up the right way so that you are warm while you are on the water. If you are heading off on a vacation to a warm location, you can show off those water sport skills of yours anytime of the year.
● There is freedom in it. A lot of people who enjoy watersports feel liberated while they do it. It doesn’t matter the sport option, they feel free when they’re in the water and they feel supported by weightlessness because of the water’s experience. You can sail or kayak into untouched areas, and you can explore different islands by learning how to paddle, board or kayak between them. This level of freedom cannot be received in any other sporting type because water allows you to feel free.
● It’s a great way to escape the heat. If you are living in a hot place or you are holidaying in a hot place, you’re going to feel very encouraged by the fact that water sports allow you to escape that. You’re going to strengthen your body while keeping yourself cool and comfortable while you exercise. That movement is going to make you feel good about yourself, so you should lean into that as much as you can.
● Your body type doesn’t matter. Anybody who’s dealt with obesity before understands how difficult it can feel to run compared to if you are feeling the pull of swimming. Your body isn’t limited in water in the same way that it is on land, and the water allows you to push yourself further physically than it is possible if you were just running through the park.
● Opportunity to learn something new. Whether you want to just learn how to swim or you want to get into a more of an extreme sport, you can fall in love with water sports in a way that you can’t do anything else. Kite surfing, for example, is a safe extreme sport that allows you to get into the air as well as the water. So why not learn something new while you can?

3 Affordable Marketing Strategies For Startups To Scale Up

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“Some marketing strategies for startups don’t need many resources, but they can still be quite effective.”

Buffer

Two focuses of my blog are Financial Literacy/Money and Business/Entrepreneurship. Marketing is a key component for every business. Marketing strategies are particularly critical for startups. The following contributed post is entitled, 3 Affordable Marketing Strategies For Startups To Scale Up.

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Image Credit: Firmbee.com from Unsplash.

Startups often find themselves in a tricky position. They’ll need to bring in customers and develop a market share, all while competing against larger firms with larger budgets. Not every startup can afford every marketing method out there – and there are quite a few. From direct mail marketing to billboard marketing, email marketing to social media, you have to work out which marketing is worth investing yourself and your business in before you can even begin to know what works for you.

Some marketing strategies for startups don’t need many resources, but they can still be quite effective.

By putting some time and effort into them, you shouldn’t have a problem starting to get a market share. You can compete with even your largest competitors through these marketing strategies. It’s worth looking at three of the most notable.

Marketing Strategies For Startups: 3 Affordable Options

1. Social Media Marketing

Social media is one of the more tried-and-tested marketing strategies for startups you can use. It’s an affordable way to increase your brand visibility across your key demographics. It also lets you turn them into repeat customers, giving you more than a few reasons to engage in social media marketing.

Spend time researching which platforms your potential customers are on. Focus on these from the get-go, and you should see a decent return on investment because of it. While it can take time to develop a following with this, it’ll be more than worth it once you do.

2. SEO

Search engine optimization (SEO) is one of the more well-used strategies you should try. It’s cost-effective and is essential to making sure you can gain visibility online. It’s the process of getting your web assets to rank well on search engines. It’s always worth putting some time and effort in after all.

Look here for more information about how SEO can help your business. Keep in mind this is a long-term approach to marketing your business. You’ll need to be patient when putting together your SEO strategy and seeing results. With time and work, however, this will pay off dividends.

3. Email Marketing

Once someone’s bought from you, it’s worth doing whatever you can to turn them into repeat customers. Email marketing is one of the more effective ways you can do this. While you’ll need to persuade customers to sign up for this, it can be one of the more effective marketing strategies for startups you can use.

The costs of sending out weekly or monthly emails isn’t too high, and you’ll get quite a few sales out of it. The return on investment will be much higher than you’d think. It’s cost-effective, so there’s no reason why you shouldn’t use it.

Marketing Strategies For Startups: Wrapping Up

With the right marketing strategies for startups, they shouldn’t have a problem outperforming even their largest competitors. They’ll get seen by their target audience, and they shouldn’t have a problem bringing in customers.

Even retaining these customers shouldn’t be a problem. By putting some time and effort into them, you shouldn’t have a problem being more competitive, no matter what market you’re in. Any resources you can put toward them will be well-spent, and you’ll see a decent return on investment.

Inspiring Your Child To Be More Active

A key focus of my blog is Health/Wellness. Many children are not active today like they were in years past. Physical activity is critical for a child’s growth and development. The following contributed post is entitled, Inspiring Your Child To Be More Active.

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With the draw of video games consoles, movies and television shows, social media, the internet, and many other distractions, it’s easy for a young developing mind to spend much of their time sat in front of screens. That’s not always a terrible thing if enjoyed in moderation and under the watchful eye of their parent deeming what is appropriate, but it’s true that healthier practices exist, and should be cared for.

Inspiring your child to be more active isn’t just about helping them learn about sports, but about being more independent, less afraid of the outside world, and in a word, healthier.

Forcing them to do a sporting class might not be the way forward though, as inspiring a child is just as important as convincing them to do something for their own good. Never fear, because with a little care and attention, you too will inspire your loved one to express the best of themselves.

But what does that look like in practice? In this post, we’ll discuss that and more, and potentially inspire your child to be the best of themselves:

Get Involved & Explore A Hobby Together

When a child knows they’re interested alongside you, and that you’ll be with them as they explore, they may feel so much more motivated to try new activities. Perhaps twice a week you decide to head into the jiu-jitsu gym and watch them take part in learning martial arts, or maybe you’ll head to their violin concerts, or support their team games. Moral support is sometimes all a child needs to grow, and feel confident in trying a new activity. As a parent, you’re in a unique position to give them this in droves, or to help their older siblings pay their moral support, too.

Find A Suitable Activity, Together

Not all activities will be appreciated by your loved one, but one might be their passion for the rest of their life. It might be that you learn the rules and hockey periods of such a fantastic team game together, so you can gauge their taste and see how they like it. The same can go for other activities, like booking in a few musical lessons for guitar, and if that doesn’t take, drums. It’s okay if it takes a little while for your child to feel entirely comfortable with a specific hobby, not everyone is wired for every task.

Share Your Own Passions

It’s true that sharing your own passion can help a child feel inspired, because children tend to latch onto the interests of authority figures or loved ones through osmosis. Perhaps you love putting together realistic models in your basement, or you adore reading in your free time. Sharing that with your child, showing them why you love it so much, or even introducing them to habits you loved at their age can be great. Even if it’s showing them your collection of Batman comics, anything to help them spend less time online and glued to a screen is a good idea.

With this advice, you’re certain to inspire your child to be more active and interested about the world, despite the constant distractions that exist in the modern world.

Financial Literacy: The Importance of Knowing Your Money

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“Money is an important aspect of our daily lives. While it’s not the most important part of our lives, it affects everything we do.”

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A key focus of my blog is Financial Literacy/Money. Financial Literacy is critical. Understanding your money, where it goes and how to maximize can impact your overall quality of life. The following guest post is entitled, Financial Literacy: The Importance of Knowing Your Money.

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Money is an important aspect of our daily lives. While it’s not the most important part of our lives, it affects everything we do. For example, we go to work every day because we need money to pay for housing, water, food, and entertainment. This is perhaps the most significant reason financial literacy is so important — money touches every area of our lives.

Why is Financial Literacy Important?

Financial literacy gives us the knowledge to manage our money; it can tell us when we’re overspending and how to save. Without it, we would be more likely to make poor financial decisions affecting our overall quality of life and health. But unfortunately, many people don’t have enough money in their retirement accounts and can’t afford basic healthcare costs.

Many people don’t have financial literacy; they don’t know how to save money or track spending, and they often find themselves in debt because they don’t realize the potential consequences. Here are a few reasons why financial literacy is important:

Education

Attending university is an expense most students aren’t ready for. They get loans without realizing how much it will cost them later in life. Unfortunately, many students drop out of college not because of their grades but because of financial pressures. Student success is defined by financials rather than actual academic achievement, and a student’s future relies on the opportunities available to them based on how much money they have.

After graduating from college, students are strapped for cash. Loan providers have a grace period to allow graduates to get a job before having to pay back their loans. However, even graduates with the highest grades still can’t find jobs, leaving many to wonder if the cost of college is even worth it anymore. While this largely depends on someone’s area of study, regardless of where they end up working, students still have massive debt they’ll have to work years to pay off.

This educational cost can put off other financial goals like saving for a house or even moving out of their parent’s homes, preventing them from achieving financial freedom until much later in life.

Help You Accomplish Goals

If you have goals, you need money to accomplish them. For example, you’ll need money to purchase healthy food if you want to lose weight. If you want to get a home loan, you need a down payment. If you want to renovate your rental property, you’ll probably need to hire a contractor to help you. Whatever your goal, you need money. Financial literacy means learning about various aspects of personal finance to help you learn how to manage your money to accomplish your goals faster.

Affects Families

Money affects a person’s life from birth until death, affecting everything in between. Families, marriages, children, and relationships are all impacted by finances. We live in a system where everything revolves around money, so while it can’t buy happiness, it’s necessary. Being wise about money can ensure stability for the future and reduce some of the stress in people’s lives.

Reduces Debt

Financial literacy educates everyone to reduce debt. Young people without proper financial education turn into irresponsible adults. These individuals don’t know anything about investing and can’t have enough money to purchase a home. Some live paycheck to paycheck even though they earn enough not to. Additionally, these individuals often take out loans for short-term goals, leaving themselves in debt they can’t pay off.

Individuals who learn about money early in life are less likely to take out unnecessary loans and more effectively manage their money to save for financial-related goals like retirement.

Prepare for Financial Crisis

Many people aren’t prepared for financial crises like job loss, emergency medical expenses, and recession. For example, many businesses went under recently because they weren’t prepared financially. Financial literacy helps individuals prepare for financial crises by helping them save money. Individuals with financial literacy have the knowledge to save more money. These individuals are more likely to have emergency savings accounts and separate bank accounts for various goals to help them prepare for a crisis.

Reduces Mistakes

Financial literacy can prevent money management mistakes. Innocent financial decisions can have long-term consequences. For example, getting a personal loan with a floating interest rate means rates can rise over time while investing in a particular type of retirement account means you can’t withdraw money even if you really need it. Financial literacy can help someone avoid making these mistakes to ensure they have a healthy financial future.

Ensure Retirement

At some point, we will all reach a point when we can no longer work, regardless of our jobs. We all look forward to retirement, but if you can’t save money now, you can’t retire. Most people need to save at least $1 million for retirement, depending on where they live. Without knowing how to invest in retirement accounts and other types of investments like gold or stocks and bonds, you simply can’t save enough for retirement. In addition, bank savings account rates don’t keep up with inflation, so if your money is sitting in a savings account at your local bank, you’ll never earn enough to retire.

Instead, you need retirement accounts that ensure your money grows over time. However, people without financial literacy don’t realize the importance of these accounts and how many different types there are.

Improving Financial Literacy

Unfortunately, our current education system doesn’t teach financial literacy, leaving more students confused than ever about managing their money. Most people learn through trial and error, but that leaves some open to the possibility of making a massive mistake. If you don’t have anyone to learn from, you can start improving your financial literacy by creating a budget and following it every month to start understanding your financial situation. First, compare your expenses to your income and determine how much you have left over for savings. Next, get your credit report and find ways to increase your score, such as paying down debt or opening a credit card.

Learning financial literacy may be something you have to do on your own, but it’s well worth the effort to prevent you from making a severe mistake that prevents you from reaching your goals.

Ashley Nielsen

Ashley Nielsen earned a B.S. degree in Business Administration Marketing at Point Loma Nazarene University. She is a freelance writer who loves to share knowledge about general business, marketing, lifestyle, wellness, and financial tips. During her free time, she enjoys being outside, staying active, reading a book, or diving deep into her favorite music.

In Case You Missed It: Paul Ehrlich’s Prophecy on Population Bombs and Having Too Many Humans

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“There is a contingency of people in our world who see human depopulation as a good thing for the planet.”

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Who Was Paul Ehrlich?

Many countries around the world are facing the gruesome prospect of population collapse and decline. This will lead to the collapse of whole economies and societies. Look up the documentary entitled, Birthgap by Stephen J Shaw. Also look up interviews of him on YouTube. They are sobering to watch but a lot of people don’t know what’s going on. Two countries leading the charge are Japan and South Korea. Elon Musk has attempted to sound the bell on this though our elected officials have not said much openly about it. They are probably mum to not stoke fear, but also to not anger any in their voting bases who ironically have the power to solve this issue.

There is a contingency of people in our world who see human depopulation as a good thing for the planet. I first heard about the potential of there being too many people on our planet as an undergraduate at Johnson C. Smith University in the 1990s. Dr. Joseph Fail, Jr. instructed some of us in our Ecology class and discussed the concerns of Dr. Paul Ehrlich and others that there would one day be too many human beings on the planet Earth. In the video embedded below, I talk about Paul Ehrlich and his famous book entitled, The Population Bomb. I give a history of Ehrlich and his book in the discussion. I also speculate about whether the decreasing population numbers occurring globally is being orchestrated in some way but those in high but obscure places. If you watch the video, please give it a like and leave a comment.

The Big Words LLC

For the next phase of my writing journey, I have started a monthly newsletter for my writing and video content creation company, the Big Words LLC. In it, I plan to share inspirational words, pieces from this blog and my first blog, and select videos from my four YouTube channels. Finally, I will share updates for my book project The Engineers: A Western New York Basketball Story. Your personal information and privacy will be protected. Click this link and register using the sign-up button at the bottom of the announcement. If there is some issue signing up using the link provided, you can also email me at bwllcnl@gmail.com . Best Regards.