5 Mistakes That Can Lead Young Filipinos to a Financial Nightmare

A key focus of my blog is Financial Literacy/Money. Our overall financial health come down to a number of factors but decision making plays a major role. This is true for all ethnic groups. The following guest post is entitled, 5 Mistakes That Can Lead Young Filipinos to a Financial Nightmare.

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Today, more and more young Filipinos are paying attention to their finances thanks to the increasing accessibility to financial tools and knowledge sources, something that their parents and grandparents were not lucky enough to have. However, there are still a lot of youngsters in the country that are committing the same mistakes that their predecessors did, as well as some new ones that came with modern technology.

Here are some of the most common ones, and how Filipinos, both old and young, can avoid them:

1. Taking out unnecessary loans

Whether it’s because of “petsa de peligro”, an expensive gadget, or an unexpected expense, many young Filipinos turn to payday loans to make ends meet before the next paycheck. While these types of loans may provide quick and easy cash, they also come with exorbitant interest rates that make borrowers pay more than half of the original amount. The result? Blown up debt that can make one’s finances even harder to manage.

The best way to avoid this problem is by establishing an emergency fund and practicing delayed gratification. With an emergency fund, one can pay for unexpected expenses without draining their main bank accounts and resorting to loans. And by practicing delayed gratification, one’s ‘wants’ won’t be a good enough reason to take out a high-interest loan.

2. Waiting too long to take out insurance

When it comes to insurance, many Filipinos display the “I don’t need it yet, I’m young and healthy” attitude, mostly because they don’t want to lose part of their income to something intangible or something that won’t immediately benefit them. However, no one knows when sickness, accident, or death can befall someone; health or life insurance plans and other types of coverage help protect the insured and their family in case something were to happen.

Moreover, insurance premiums increase with age. By waiting too long to take out insurance, young Filipinos are missing out on lower payments while they are still considered low-risk.

3. Spending too much on online shopping

With the massive popularity of online shopping platforms like Lazada and Shopee, it’s no wonder why so many Filipinos–both young and old–are finding themselves spending too much on their online purchases. Even with the frequent promotional ‘sales’ that these platforms offer, money spent is still money spent, no matter how big the discount is.

And that’s exactly the problem, too many online shoppers are blinded by sales, hefty discounts, and free shipping promos that they often buy things that they don’t even need. There’s nothing wrong with shopping online. In fact, it’s a safe and convenient way of shopping amidst the COVID-19 pandemic. However, it may be causing shoppers to spend more money than necessary, and sometimes, money that they don’t even have.

4. Not planning for retirement

For the older generations, especially Filipinos, their children are their retirement plans. It’s a common tradition in the country to “give back” to one’s parents upon entering the workforce, and going against the grain is often seen as taboo or being ‘ungrateful’. Needless to say, this is a toxic belief that is putting too much pressure on young Filipinos and leaving them unable to prepare for their retirement at the same time. As a result, these young Filipinos will also depend on their children for their needs in the future, hence, a generational financial curse.

That said, it’s crucial for Filipino millennials and Gen Zs to break this cycle by planning for their retirement. This could mean taking out long-term investing plans, making contributions to pension plans, and building their nest egg as early as now. Contrary to popular belief, it’s never too early to start planning for retirement–even if it’s forty or fifty years away.

5. Succumbing to lifestyle inflation

Lifestyle inflation is a problem not exclusive to Filipinos, but it certainly is a common issue in the country, especially with a culture that makes people believe that when they move up in life, they should have something to show for it. For many Filipinos, this means buying a bigger house, taking out the latest car model, buying more expensive clothes, or going to high-end sources of entertainment when they start earning more money.

Lifestyle inflation, to a certain extent, is acceptable. However, when the expenses start equating to income, you’re probably spending too much and may be well on your way to debt.

These are just some of the financial mistakes that a lot of young Filipinos are guilty of, but are definitely some of the worst ones. If you’re still committing one or more of these mistakes, it’s high time to start taking more control of your finances for a brighter financial future.

The Technological Shift in the World of Finance

Two focuses of my blog are Financial Literacy/Money and Technology. As our world gets steadily more digital, we may be moving away from mainstays which we assumed would always be there like physical paper money and coinage. Other innovations are on the horizon as well. The following guest post is entitled, The Technological Shift in the World of Finance.

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For a long time, the only way people could transact money is through commercial banks. They would need to go to the location personally, fill up forms, and wait for the teller to call them forward. All the transactions were done over the counter until automated teller machines (ATM) came into the picture.

With the rise of ATMs, making basic transactions such as withdrawing and depositing money no longer had to be done over the counter. People could access their money easily through debit cards, and sometimes, they can opt to use those cards in place of money itself.

Establishments and businesses have adapted to this change to accommodate payments through cards instead of cash. Then, newer forms of cashless transaction methods were introduced through mobile payment platforms, online banking, and other technologies in the finance industry.

Online Banking

Gone are the days when people depended solely on brick-and-mortar banks, especially not with online banking that can be accessed through mobile devices. Most, if not all, of the traditional banks have now gone online through various mobile applications and websites.

This digital transformation has allowed customers to track their expenses, pay their bills, transfer money between accounts, and do other activities with a few mere taps on their phones. Online banking is a welcome change compared to the need to travel and transact with tellers physically.

Through the applications, people can apply for loans, make deposits, or open accounts without going through the complex processes in person. Although there is still a need for physical branches for those who have no access to mobile devices or an internet connection, online banking can very soon be the preferred method of transacting.

Digital Lending

Applying for bank loans for business and other purposes is time-consuming. This is because traditional banks can take an average of three to five weeks to decide the credibility of the borrower, depending on their credit score and documents.

After the decision has been made, it can take up to three months to actually cash out the loan so that it can be used for whatever purpose the borrower needs. These two processes alone can already cost the borrower more than four months in total, which feels like forever in the rather instantaneous way that people are now accustomed to.

To resolve this problematic time-factor, leading banks worldwide are looking towards digital lending to cut down the total processing time to one day, at the maximum. This includes the approval and cashing aspects that usually took months before being processed.

These are made possible through different technologies such as automation of processes, using credit scoring platforms, and fraud detection tools that can easily eliminate deceitful borrowers. With processes made so much easier, business owners should have no trouble getting loans through lending.

Mobile Wallets

Banks aren’t the only ones going digital. With mobile wallets, even the need for physical credit or debit cards is rendered unnecessary because people can transact with establishments through an application on their smartphones.

Anyone can download an app and open an account through a mobile wallet, which further eliminates the worrisome credit scores typically associated with banks. Mobile wallet users can pay their bills, transfer money to others, purchase products, and do almost any other financial transaction.

Mobile wallets are becoming the preferred method for cashless transactions that can contribute to green initiatives. This is because going cashless can eliminate carbon footprints and paper trails that come with printing receipts and bills.

Most establishments that can accommodate such payment methods have adapted by investing in mobile point-of-sale (POS) systems or terminals in place of cash registers. The introduction of mobile POS systems is beneficial to businesses because it eliminates the need for physical checkout counters.

These aren’t the only technological innovations in the finance industry. Artificial intelligence technologies are being used to detect fraudulent activities through complex algorithms in both banks and credit card companies.

Digital currencies, or cryptocurrencies, that exist completely online are growing in popularity by the day and are being exchanged like stocks or foreign currencies in the global market. These currencies are made possible through blockchain technology, which is basically digital ledger systems.

With all the advancements in technology every day, it would be foolish to think that it can end at some point. There is no such thing as an end in technology because people will always find more flaws in the existing technologies and develop better solutions to these flaws. It’s a never-ending cycle that can benefit the whole world in the process.

15 Powerful Positive Affirmations to Help You Stay Motivated at Anything

Two focuses of my blog are Creating Ecosystems of Success and Health/Wellness. Many people find positive affirmations to be important tools for moving through the world and dealing with life’s challenges. This guest post lists 15 positive affirmations for you and is entitled, 15 Powerful Positive Affirmations to Help You Stay Motivated at Anything.

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Affirmations have a significant impact on your day-to-day life as it sets your course’s tone and mood. Studies have shown that positive affirmations have mental and physical benefits that impact their overall well-being. Start your day with these powerful affirmations that will keep you motivated in anything.

1. I am a work in progress towards positive change.

Embrace that you are on a journey that you will become a better person. Start the day with the thought that you are a work in progress and that each person has their journey. Tread a positive change in your life by affirming it today.

2. Today is going to be productive.

Boost motivation in whatever project, chore, or goal you have in mind by affirming it first thing in the morning. Start being productive by having a positive thought of productivity. Having a positive affirmation on productivity will set your course towards all your goals today.

3. I deserve success and the things I have today.

Set out that you deserve the success you have today. Knowing that you deserve the things you have affirms that you don’t hold back on your goals, and you are in a constant state of gratitude for everything you have. Aside from manifesting success, owning that you deserve it strays away from self-sabotage.

4. Happiness is a choice, and today, I choose to be happy.

Choosing happiness is a great way to let go of the things that hold your emotions back. Forget things that cannot be changed and choose a better outlook in life by letting happiness prevail in your thoughts. Exemplifying happiness as the choice will reflect on you physically, and the happiness within you will radiate to the people around you.

5. My past does not define me.

Letting go of who you were in the past can sometimes be a struggle. It is easier to accept that the past is no longer in charge of you are in the present. Take every past mistake and difficulty as a learning process. Acknowledge that your past is way behind you and that it won’t hold you back to the things you can do today.

6. The door of opportunity is open, and I will take advantage of it today.

This affirmation shows that you acknowledge that there are a lot of opportunities you can grab today. Positive affirmations are set to open doors that fill your thoughts with nothing but abundance. This thought sets out that you are open to set your life to a positive course of change.

7. All I need is within me right now.

Before you start your daily chores, a positive affirmation that you have everything you need is within you will help get things done. This positive affirmation negates out that there are still things you need beyond what you have. It also highlights that what you have are sufficient to deal with your day to day quests.

8. Note to self: I am enough

Having a mental note that you are enough gets you to a lot of places in life. There will be an instance where self-doubt eats up your day, but knowing your worth and recognizing that you are enough will change your perspective in life. Know that you are enough in all aspects of life. Accept compliments and validation, and accept that you alone are sufficient to keep yourself happy and motivated.

9. I am loved.

Keep this positive affirmation to yourself to have the glowing mindset of great value in this universe. Thinking that you are well-loved changes your outlook and will.

10. My goals are set, and I will accomplish them today.

Keep your eyes and your mind on your short and long term goals. A positive affirmation of your goals for the day will set it on fire. This affirmation is part of you trying to let the world know that you are goal-oriented and there is nothing that can set you apart from it. Abundance and productivity will come your way if you are focused enough and have a positive mindset.

11. I won’t let what other people think of me affect me.

Having a fear of what other people think is a significant obstacle you can easily overcome. Implanting what other people will think of you has a significant impact on your thoughts. Set out that you will mindlessly go on without their negative energy to focus more on your goals.

12. I will nourish my body with the right food choices.

Food can be a great source of comfort, especially when you are having a rough day. Positive affirmations have physical benefits, especially if you are mindful of what you eat. Positively affirm that you will choose healthy food choices, and other aspects of your well-being will follow.

13. I believe in myself.

Create no room for self-doubt today. Believe in who you are and what you can do today. There is no reason for you to doubt the things you are destined to do. You may stumble and fall but know that it is part of the process you are in. You are your best cheerleader, so affirm that you believe in all you can do today.

14. I am grateful for everything I am and everyone around me.

Part of having a better and more peaceful mindset is recognizing some people believed in you. Having a grateful heart plants seeds to pass on the good things that happened to you along the way. A positive affirmation of who you have become and the people around you balance the negative energy set out by others.

15. I am at peace with myself.

There is a difference between being at peace with the world and being at peace with yourself. This positive affirmation sets out that you have accepted your flaws and mistakes and that you are in the process of growing and changing. There is no definite you, and being at peace with yourself can clear out the clutter and clouds of doubt in your mind.

Say these positive affirmations to yourself and feel inspired, motivated, and empowered! Finally, love and trust yourself. You are you – and you CAN!

About the Author

Charles Vallena

Charles is the editor-in-chief at TheSleepMatters.com. He provides expert insights, guides, and reviews on the best mattresses online. When not working, you’ll often see him watching Gary Vaynerchuk and Tony Robbins’ motivational videos on Youtube.

References

  1. https://mirthandmotivation.com/2012/06/25/reflections-affirmations-open-doors/
  2. https://www.inc.com/rhett-power/3-affirmations-successful-people-repeat-every-day.html
  3. https://www.careergirldaily.com/10-positive-affirmations-for-success-and-happiness/
  4. https://mirthandmotivation.com/motivation-and-inspiration-daily-affirmations/
  5. https://www.usosm.com/employee/50-self-affirmations-to-help-you-stay-motivated-every-day/#:~:text=I%20am%20a%20living%2C%20breathing,inspiring%20people%20through%20my%20work
  6. https://www.lifehack.org/863537/self-affirmation
  7. https://medium.com/better-marketing/11-ways-affirmations-can-help-you-stay-motivated-and-happy-cef93c010017
  8. https://motivationping.com/motivation-affirmations/
  9. https://www.mondaycampaigns.org/destress-monday/stay-focused-and-motivated-with-positive-words-of-affirmation
  10. http://do-mindful.com/33-positive-affirmations-spark-motivation/
  11. https://positivepsychology.com/daily-affirmations/
  12. https://www.louisehay.com/the-power-of-affirmations/

3 Mobile Marketing Strategies to Help Make Your Sales Figures Soar

Three focuses of my blog are Financial Literacy/Money, Business/Entrepreneurship and Technology. In 2021 it’s critical to have a mobile marketing strategy to propel your business and your sales figures. The following guest post is entitled, 3 Mobile Marketing Strategies to Help Make Your Sales Figures Soar.

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Mobile phone usage is increasingly quickly across the globe. According to a report from Pew Research, over five billion individuals have mobile devices.

If your small business isn’t marketing to smartphone users, now is the time to start. Marketing your business to mobile phone users can bump up your brand awareness. What’s more, it can help boost your bottom line. The right marketing strategy will help mobile users find information about your products and services, which can help convert them to customers.

Take your business to the next level by adopting these mobile marketing tactics:

1. Optimize for Voice Search

Some mobile customers depend on voice search to complete everyday tasks, such as order food and find grocery stores near their area. They call on Alexa, Siri, Google Assistant and other voice-controlled personal assistants to help them with requests. If you have potential customers using voice search on their mobile phones, you’ll need to refine your marketing strategies to help your business become more visible to these people.

Not sure how to optimize your website for voice search?

Here are a few suggestions:

• Keep your business information up to date. You want to make sure that on-the-go voice search users can easily find the location and contact details of your business when they visit your area.
• Add long-tail keywords into your website content phrased in the way mobile users speak instead of the way they type. When people do voice search, the words they use tend to be long-winded statements or phrases compared to typed searches.
• Use your website to answer common queries. Find popular or frequently asked questions in your niche and provide answers to them in your site content.

2. Make Your Website Mobile-Friendly

When you use mobile marketing to reach a wide audience, you want to capitalize on it. An effective way to make this happen is to have a mobile-friendly business website.

Many companies have a website, but not all have a responsive site design that’s suitable for mobile phones. So, take this opportunity to get your website optimized for mobile users. If you need help with this, look for digital marketing agencies that include mobile site optimization in their website design and SEO packages. By having a mobile-friendly website, you can deliver a better browsing experience for your visitors and further improve your online visibility.

3. Spice up Customer Engagement with Augmented Reality

Concepts, such as augmented reality (AR) and virtual reality (VR), are relatively new. Some marketers don’t completely understand how they can apply these tech trends in their promotional strategy.

AR involves projecting virtual images and other elements in a real-world environment. VR, on the other hand, is an immersive and simulated experience wherein an individual wears a headset that places them in a virtual environment, such as outer space.

Although VR marketing tools can get expensive, you can use AR components to your mobile marketing campaigns. Tools, such as Blippar and ZapWorks, let you integrate AR into your campaigns.

Employ these mobile marketing tactics to help boost the bottom line of your business. Remember to personalize your mobile marketing efforts because personalization can contribute to higher sales.

3 Reasons Students Suffering from Academic Pressure Should Listen to Music

Two key focuses of my blog are Art and General Education. Academics generate a unique pressure for students. As such it’s important to understand how to decompress and detach from those pressures. Music is one avenue for that. The following guest post is entitled, 3 Reasons Students Suffering from Academic Pressure Should Listen to Music.

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The psychology of music aims to understand how songs affect the human brain. It’s undeniable that music impacts listeners’ emotions and can prompt physiological responses like increased heartbeat and blood pressure. These phenomena urged scientists and psychologists to dig deep, and their discoveries are worth every student’s attention.

Most of the experiences linked to music are positive due to its ability to induce dopamine, which is the neurotransmitter linked with reward. This would explain why you turn to music when you’re happy or in need of some stress reliever. A part of you already knows that it’s beneficial to your health. Still, the more you understand why, the better you’ll utilize it in alleviating the academic pressure on your shoulders.

Regulates Mood

There are so many ways to ‘escape’ stressful situations, but none as accessible and cheap as music. Research shows that music regulates emotions, which may help you cope when you’re overwhelmed by the amount of study material on your desk.

Specific melodies and beats can also help disengage from events like deaths and breakups, and some promote focus when studying for an exam. Above all, music can help you embrace difficult experiences to articulate to others, giving you the mental and emotional space to process them.

The same applies even if you’re the one creating the music. The benefits amplify, though, because playing an instrument comes with its own set of advantages to one’s cognitive abilities. You’ll realize this if you sign up for violin lessons as an extra-curricular activity. Different musical scores invoke different experiences, but all of them work to regulate your mood.

Improves Your Memory

Stress makes it difficult for the brain to process new information, more so to store it in the hippocampus, which is responsible for long-term memory. For the brain to work more efficiently, it has to enter a state of calm. This is where music proves essential.

Scientists discovered that music aids in putting people in a state of meditation. The subsequent relaxation you enjoy enables your brain to resume its proper functions. This is the science behind video game songs, which is among the top recommended music for those who intend to be more productive in their tasks. These songs were designed to aid your focus or put you in a trance-like state. Because you’re more attuned to the sound than to your stressors, you’ll be able to absorb all your review materials and possibly ace tomorrow’s exam.

Boosts Cognitive Performance

The benefits of music on cognitive performance can vary depending on your personality type. Some find listening to music while studying or writing an essay distracting, while others consider it an essential part of their routine. Researches argue that the songs that boost cognitive performance are those that are less stimulative and more sedative.

Using video game music again as an example, you’ll notice that lyrics do not punctuate them because the aim is to let the gamers focus on completing tasks, which engages different cognitive faculties. Lyrics may demand the use of the same cognitive faculties and lead to distraction.

When you’re selecting music to help you study, try the classics. Beethoven, Mozart, and Chopin could be the key to increase your productivity.

Take Advantage of Music

Academic pressure can have many detrimental effects on your health. Learning how to cope through music, whether by listening to it or creating it when you play an instrument, is an excellent means for you to ensure that you stay on top of your game at school.

Finding The Best Entertainment Booking Agency

Two focuses of my blog are Business/Entrepreneurship and Entertainment and New Talent. In some instances, you may need to book an entertainment act. If you’re unfamiliar with the process, it can be a gargantuan task and as such, finding the a good booking agency could be very helpful. The following guest post is entitled, Finding The Best Entertainment Booking Agency.

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If you have ever thought about booking an entertainment act, you know that it can take a lot of work. Instead of doing all that hard work yourself, there are other ways to get the act chosen quickly and affordably.

Consider using an entertainment booking agency. Below are some of the big advantages of these companies:

They Save You Time

This might seem rather apparent, but you may not realize how much time and energy it takes to find the act that you want. There are many entertainment options available and almost limitless entertainers within each option. You will need to look at dozens or even hundreds of performers, look for testimonials, watch videos, and get their contact information.

If you want to blow your guests away with the quality of your entertainment, you will need to put in long hours to find the right people.

But when you hire an agency, the process is fast, simple, and clan. A good entertainment agency should have several appropriate options available quickly, once they understand you needs and goals. An entertainment agency’s reputation is its most important commodity, and it will not waste that precious resource on bad entertainment. There will be few if any poor or unreliable performers. Your agency should take care of everything you need and provide you with great entertainment for your event.

Reduce Risk

Even after you spend hours researching an act or group, you may not be certain that what you viewed is what you will get. An entertainer’s tape can look fantastic, but may not deliver the goods when the lights go down. Or, they can be great on stage and very difficult off stage. There are stories of some acts getting drunk, making absurd demands and taking offense to strange things.

When you work with an agency, you minimize the risk of something bad happening. They have done the research and worked with hundreds of entertainers. They know who are seasoned pros and who to avoid. They also know who has talent and who is not. They know who will be a perfect fit for your act.

They Have Industry Knowledge

You could have the greatest entertainer for your event but you don’t have their contact information. Should you call their agent or call them directly? Where to get the information you need?

When you need to reach some entertainers, it helps if you have connections. An entertainment agency has great connections in the industry and more and better talent available. As your success means their success you know they will deliver a great product.

They Have Experience

If you partner with an entertainment agency, you are gaining an organization with decades of experience. This is something that is hard to beat, even if you are new to event planning. Beyond the instincts and knowledge that come with many years in this industry, the agency will be able to help you deal with drafting and negotiating the contract. If you try to do this yourself, it could be confusing and may create problems later.

While not every entertainment agency available out there has the exact same experience and benefits, you should get a clear, simple process that provides you with a good entertainer who is reliable and matches your needs. Booking good entertainment should not be a high-stress process. The agency will take most of that stress away and let you focus on other aspects of your event.

Now that you understand the benefits of working with an agency, you should be able to find the best entertainment option for your next event.

How Can I Make my Tacoma Seats More Comfortable?

Two focuses of my blog are Health/Wellness and Technology. Automobiles are technologies that most of use every day, which themselves incorporate numerous technologies. While automobiles’ critical systems include the power train, suspension, breaks and exhaust, the comfort of the driver is also critical the use of your vehicle. The following guest post is entitled, How Can I Make my Tacoma Seats More Comfortable?

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If you feel like your Toyota Tacoma seats are a bit rough, it can be frustrating, especially if you’re the type who regularly goes on long drives. Having uncomfortable seats can put a damper on a supposedly fun road trip and make a simple business drive more tedious. Find out how you can make the chairs in your Toyota Tacoma more comfortable and bump-free.

What Are the Common Seat Issues Concerning the Toyota Tacoma

As with any vehicle, it’s inevitable to come across specific issues. Depending on the year, there are common issues that Tacoma owners complain about with regards to seat comfortability. These include the following:

• Front seats are cramped and too close to the floor
• Floors are too high, so there’s no way to lower and raise seats
• Little headroom for tall drivers
• The car seats don’t have lumbar support
• Original Tacoma seat covers are a little less sophisticated and a bit uncomfortable

Given these concerns, there are several ways of addressing them. If the only issue you have is about the Tacoma seat covers being less elegant and comfortable, you can always have your seats refitted with customized seat covers made from leather, neoprene, or other types of luxury fabric.

However, when it comes to space problems, the solution might need a little more effort as these may require DIY repairs, upholstery of seats, and the like.

How Can I Fix My Toyota Tacoma’s Seat Height

The most common problem for older Toyota Tacoma models is the non-adjustable height of the front seats. Since the front cab’s floors are too high, so is the seat level, making the ride uncomfortable for both drivers and passengers, especially during long drives.

Fortunately, there are many ways to modify the Tacoma’s seats. You can re-adjust the height of the chairs on the front seat. If that doesn’t work, you can find scrap car seats with lumbar support and install them in your Tacoma. If you want something more manageable, you can also have custom seats built based on your taste and preferences.

On the other hand, owners of the Toyota Tacoma 2020 model do not need to worry about these concerns. The latest model now comes with electrically adjustable power seats that can significantly improve driver and passenger comfort.

How Can I Avoid Comfort Issues With My Car

The most important thing to do when purchasing a car is to consider comfort, especially if you’re more prone to take long drives. If you’re planning on buying a Toyota Tacoma, consider what other owners are saying before taking on this monumental, long-term commitment.

Top Kitchen Cabinet Handles In The Market

Three focuses of my blog are Financial Literacy/money, Business/Entrepreneurship and Home/Property Discussions. If you’re building your own personal residence or purchasing a home from a previous owner, you want it to have the most modern and functional features available. If you’re an investor renting property, you want your units to have the most appeal possible for potential renters. Kitchen space is an important consideration in both instances. The following guest post is entitled, Top Kitchen Cabinet Handles In The Market.

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Source of image: Pexels

Function and decorative purposes. These are the two factors that people consider when looking for kitchen cabinet handles, or just cabinet handles in general.

A lot of hardware stores sell good quality functional cabinet handles, but not in the design that will match your style and vice-versa. Sometimes it feels like you are going in circles because there are just too many choices and too many hardware stores to choose from. If you are remodeling your home, it can cause you much hassle.

To help you save time on picking, here are the top kitchen cabinet handles in the market.

Stainless steel bar pulls

One of the most popular cabinet hardware that people look for in stores. This sleek pull benefits minimalist designs and modern kitchens. It features round shapes that contrast stark 90-degree angles. This design makes it easier for a person to pull a cabinet because it lets you wrap your fingers all around the handle.

Elegant pulls

This variety of kitchen cabinet handles is moving fast to becoming a staple in numerous homes. Elegant pulls have the luxury of being modern yet conventional which makes them adaptable. Its adaptability makes it an effortless update to your kitchen hardware.

Arch pulls

With a black finish on, arch pulls are the simplest way to dress up a sterile cabinet and counter combination. Putting a black finished arch pull on your basic Shaker cabinet makes them stand out because of the white paint. Another little good thing about arch pulls is that you won’t get any fabric stuck in it because of the allowance it has between the cabinet door. They are also excellent choices for wooden cabinets.

Wave pulls

Pair up unique cabinetry hardware with colorful cabinetry to produce visual delight in your contemporary kitchen. Wave pulls make a splash when mounted. Satin nickel pulls like these provide the best upgrade to the traditional home design.

Complete length pulls

Definitely a perfect fit for large cabinets that contain more stuff than usual. This develops a smooth look and a minimal clean surface in your kitchen. It will also most likely standout depending on the color of your kitchen cabinetry.

Stainless steel finger pulls

A modern-style kitchen can certainly gain a thing or two from stainless steel finger pull handles. These specific pulls have an industrial feel which means, it can match an apartment with many metal-touches in it.

T-bar pulls

Bronze-finished T-bar pulls are the best compliment for traditional Colonial style cabinet doors. Long T-bar handles, on the other hand, look great mounted on two-tone kitchen cabinets that are larger in size. For kitchens with a non-traditional layout, you can use the shallow t-bar handle because it serves an attractive accent to Shaker doors and cabinets and it doesn’t consume unnecessary space.

Metal ring pulls

Metal ring pulls give the last touch to traditional mission-style kitchen cabinetry. To really pull-off the said look, you can duplicate the oil-rubbed bronze surface of the hardware with your faucet and lights.

Cabinet handles are the simplest way to decorate and improve the look of your kitchen. There are many to choose from depending on the style you’ll have to incorporate them in. Choose wisely to achieve the best ambiance for your kitchen.

Author’s Bio:

Rosette has a knack for anything “Do it Yourself” (DIY). She spent her younger years learning about the different hardware tools and equipment in the hopes of establishing a hardware business in the future. Her career options may have changed, but today, she continues to write so passionately about her first love.

4 Important reasons why women are more affected financially due to the COVID – 19 outbreak

Two focuses of my of my blog are Current Events and Financial Literacy/Money. There are so many layers to the Coronavirus/Covid-19 Crisis/Pandemic. In addition the human health issues, there have also been financial after effects in the area of jobs. Something that’s not being discussed in all circles is the effect of the pandemic on the finances of women. The following guest post is entitled, 4 Important reasons why women are more affected financially due to the COVID – 19 outbreak.

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The coronavirus outbreak has devastated the entire world economy and it has almost reached the middle of this year. But still, humankind is eagerly waiting for a cure to stop this pandemic. Till now, approx 2,941,218 active cases were found worldwide, and nearly 357,979 deaths were reported due to this pandemic. Doctors and healthcare providers are working day and night to provide good medical treatment to the infected people. Medical researchers and scientists are working hard to find an antidote to this virus infection. Unfortunately, we still need more time to get the results.

According to CNN, the COVID-19 pandemic has heavily affected health care associates worldwide more than common people. Most of those associates are young and among them 70% are women. Institute For Fiscal Studies (IFS) director Paul Johnson informed the BBC Today programme“There are those young people who are in those jobs at the moment or were in those jobs before COVID[-19] hit, and if they’re not able to get back into work then there may be longer-term consequences for them. We know that periods of unemployment when you’re young can have long-term effects. Traditionally you’re going to be looking to start work in September, [but] now couldn’t be a worse moment to be doing it.”

In China’s Hubei Province, about 90% of healthcare associates are women. In the U.S., that number is around 78%.

So, practically women are more exposed to the COVID – 19 virus than men. As a result, women are experiencing the impact of the pandemic more than men, on physical and mental grounds.

According to a report given by PayScale, financially women have faced the biggest hit from the COVID – 19 outbreaks within the last 6 months. Another report revealed by the Organization for Economic Cooperation And Development, new jobs are being created mostly considering the men, not women during this difficult economic situation. This might be a reason why women are financially getting down day by day. During the lockdown, it is also becoming difficult to find another income source.

In the UK, nearly 70% of the two million single parents are currently employed, but 3 out of 10 single parents working are living in poverty. Unfortunately, approx 90% of single parents are women.

These aren’t the only reasons women are experiencing hardship due to COVID – 19 pandemic. Check out the below-mentioned causes that should get your attention.

4 Important reasons why women are more affected financially due to the COVID – 19 outbreak

1. Women play a key role in family caregiving

After reviewing the above-given data, it is clear that women are the prime workers who saved time apart from their work, to provide care to their families. Due to the lockdown, most of the schools and workplaces are closed now. So, kids, elders, and other family members are at home 24-7. Due to this reason, most of the female workers have to be at home and away from work. They are attending family members who are ill or can’t take care of themselves.

When these female workers return to their work or try to rejoin, they’re being offered 7% less salary compared to male employees, who are working in the same designation. PayScale’s director of research, Sudarshan Sampath, verified this situation in PayScale’s 2020 State of the Gender Pay Gap report this way – “The coronavirus pandemic has exposed these cultural faults with our economic system. There is a strong likelihood they will not get rehired or they’ll come back on reduced terms.”

2. Unpaid sick leave creates a financial hardship

During the coronavirus outbreak, nearly 67% of private sector employees, and only 30% of low-wage workers who earn $10.80 or less/hour, may get the benefit of paid sick leave. Apart from that, only less than 50% of part-time workers may get the option of taking sick leave.

According to the report given by OECD.ORG“In some countries, sick-leave compensation only covers a small fraction of the previous wage and / or is shorter than the recommended period of self-isolation for people with COVID‑19 symptoms. For instance, Korea and the United States have no generally applicable statutory obligations for employers to continue wage payments in case of illness and also do not provide for statutory public sickness benefits (OECD, 2018[1]). Comprehensive spending data on employer-provided sick pay is not available for the United States, but a quarter of U.S. workers do not have access to paid sick leave at all (rising to one half for low-wage workers), and two thirds of workers who do accrue less than 10 days of paid sick leave per year (Bureau of Labor Statistics, 2019[2]). With the “Families First CoronaVirus Response Act”, the United States introduced two weeks of paid sick leave for workers impacted by the COVID‑19 virus, which will initially be paid by employers but be fully reimbursed by the federal government.”

Fortunately, from the very beginning of the COVID -19 outbreak, international organizations such as Facebook, Microsoft, and Salesforce, utilizing few problem solving tips for business and employees, agreed to provide help to their workers. The companies allowed their workers to get increased benefits during sick leave.

The American government has also worked hard on a bill that would help employees to get paid leave benefits. President Trump signed the Families First Coronavirus Response Act. The bill is focused on providing paid leave to employees who did not have it and extending paid leave for employees having only a few days. The benefits are applicable to the employees stuck at home due to the pandemic.

“The new law grants two weeks of paid sick leave at 100 percent of the person’s normal salary, up to $511 per day. It would also provide up to 12 weeks of paid family and medical leave at 67 percent of the person’s normal pay, up to $200 per day.”

*Data courtesy – the washington post

But there is a catch! According to the emergency legislation, only 20% of employees can avail paid leave benefits. Apart from that, small and midsize companies may provide these benefits for employees impacted by the coronavirus. Companies having 500 or more workers aren’t allowed to provide such benefits to their employees.

As per a calculation by the Center for American Progress, approximately 19.3 million U.S. employees (about 12% of 159 million workers) may face financial hardship without getting paid during sick leave.

3. The wage gap and job loss trigger monetary problems

62% of minimum-wage and lower-wage workers are female. These workers may experience a greater risk of job loss when businesses such as restaurants, departmental stores, hotels, and airports are shutting themselves down and firing their employees.

Even if women perform well in their designation, and maintain regularity, they may lose their jobs due to the business shutdown. Though women are less paid compared to the men, working in a similar job profile and designation, the effect will be quite harmful. This is also a reason that women are experiencing too much stress, and unfortunately, they don’t know how to remove that stress at work.

Women are affected more financially as a disproportionate number of women work in industries that are severely affected by the lockdown. These may include retail, leisure, and hospitality sectors. 17% of female employees are working in lockdown sectors, whereas mem workers are merely 13%.

In the country, 1.4 million citizens lost their jobs in March., with a 0.9% increase in female unemployment and a 0.7% increase for men.

If you analyze the controlled pay gap, the difference in payment will be seen clearly between men and women, having a similar job profile. Women earn 98 cents per $1 earned by men. According to PayScale, women are now getting 81 cents for every $1 earned by men (the ratio of median earnings).

During this outbreak, the wage gap is getting bigger than before. Female elementary school teachers earn 92 cents per $1, and women doctors earn 94 cents per $1, compared to men doctors. Female registered nurses earn 98 cents as usual. Unfortunately, black women earn 62 cents on the dollar and Hispanic women 54 cents for the same designation.

With such low income, women employees often experience difficult financial problems, such as unpaid credit card debts, medical bills, utility bills, kids’ education costs, housing costs, etc. As low-income earners, women may opt for help from non-profit credit counseling agencies and seek options to become debt free again.

Fortunately, the discrimination between genders and the wage gap has been gradually changing in a positive direction. As per PayScale’s survey – In 2018, women employees earned 78 cents per $1 earned by men. In 2019 the amount becomes 79 cents (+1), and in 2020, 81 cents (+3).

4. Unpaid caregivers are mostly women

Women around the world provide most of the unpaid caregiving work. As per the International Labour Organization (ILO), women employees normally render 76.2% of total hours of unpaid caregiving work, and it is more thrice as much as men employees.

Women employees are experiencing a shortage of paid caregiver policies. Currently, only 16% of private-industry female employees are allowed to receive paid caregiver leaves. Due to this reason, women taking too much sick leave for family members may trigger monetary problems in their lives.

● Approximately 43.5 million caregivers have provided unpaid care to an adult or child in the last 12 months. [National Alliance for Caregiving and AARP. (2015). Caregiving in the U.S.]
● About 34.2 million Americans have provided unpaid care to an adult age 50 or older in the last 12 months. [National Alliance for Caregiving and AARP. (2015). Caregiving in the U.S.]
● 65% of care recipients are female, with an average age of 69.4. The younger the care recipient, the more likely the recipient is to be male. 45% of recipients aged 18-45 are male, while 33% of recipients aged 50 or higher are male. [National Alliance for Caregiving and AARP. (2015). Caregiving in the U.S.]
● Upwards of 75% of all caregivers are female, and may spend as much as 50% more time providing care than males. [Institute on Aging. (2016). Read How IOA Views Aging in America.]

Data courtesycaregiver.org

As health care services are getting unavailable day by day due to the increased number of infected patients, many COVID-19 positive cases need to be treated at home by women caregivers. This may also increase the possibility of becoming infected during such an awful time.

Endnote

So, these are the 4 prime reasons why women are getting the hit more than men. Women share a large chunk of employment in various industries such as healthcare, restaurants, social assistance jobs, preschool, kindergarten teaching, flights, etc. Due to the outbreak, most of these industries are shutting down their business. Due to this situation, women all over the world are experiencing huge financial difficulties to maintain their lives.

Author Bio- Patricia Sanders is a financial content writer. She is a regular contributor to debtconsolidationcare.com . Her passion for helping people who are stuck in financial problems has earned her recognition and honor in the industry. Besides writing, she loves to travel and read various books. To get in touch with her (or if you have any questions regarding this article) email her at sanderspatricia29@gmail.com.

Why E Learning Can Drive Your Motivation Forwards

Two of the focuses of my blog are General Education and Technology. Even before the current circumstances, elearning was a wave of the future. It’s different than the traditional classroom setting which own set of caveats. The following contributed post is entitled, Why E Learning Can Drive Your Motivation Forwards.

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Photo: Pixabay

eLearning is a type of learning that is done through a different medium to that of a classroom set up where a teacher conducts a lesson and the students take notes. It has many benefits and is actually cost effective as compared to traditional forms of learning. The reason for this price reduction is because learning through this mode happens quicker and can be done at a faster pace depending on the life of the student. If you are learning in a classroom, lessons days and times are set, which can allow the student in between these days off, to slip and for their motivation to weaken. If the eLearning courses are available whenever, then their creative and motivated journey can continue at any time, with access whenever they wish. It also assists companies who are paying for their employees to educate themselves on a new area of learning, because it reduces time. A lot of training time is reduced with respect to trainers, and course materials. The learner does not have to travel and spend additional money to get to classes and all the necessary learning skills are learned in a setting to suit them.

Any modern business is going to come into contact with other businesses that have advanced technology that will drive the business forward. So it’s essential that all workers have a vast knowledge of any new technology to ensure that the business can be driven in the right direction. This may include having to train up your staff and even give them a whole new skill set in order to continue. If you are a company and are stumped on which path to take when it comes to eLearning then you can always look at Mindflash. It’s good to look at Mindflash LMS reviews and see just how they could benefit you. Most of the time, good eLearning sites are run via the Cloud which just makes things easy when any students wish to reassess files or research further.

● E-learning saves time and money – your workers can still be available to work and can take on any additional learning in their own time, such as lunches and afterwork as well as weekends, without having to compromise to go to classes at set times. It works for them too.
● E-learning leads to better retention.
● E-learning is consistent.
● E-learning is scalable.
● E-learning offers personalization.

It is convenient and flexible and is going to offer you extra time. Your employees need to learn new skills to grow and once they have learned, then it frees up time for them to try a new course. It’s a never ending chain and it’s easy to access which makes it good for everyone. Motivating your staff to learn new skills and offering these facilities is a boon to you as a company and proves your dedication to your staff which will serve you well. Offering eLearning to your team members, will give them the skills to take onto their next position with you or even a new job in the future.