Nursing is a profession that often defines a family and indeed generations of family. Not just a noble profession, but a job that really means something. As human beings, we have the propensity to be cruel, funny, caring and much more as our personalities are complex. The people that care and really make a difference when family members are ill, hold a special place in our hearts and in our societies in general.
Nursing seems to me, to be more a vocation than simply a job. Indeed, it is typically the nurse that helped our loved ones recover from illness or help smooth the way to a dignified and comfortable end which is so appreciated by all of us.
There are many different specialisms in the nursing word, everything from mental health nurses through to operating theatre nurse practitioners, but all these positions have one thing in common – no day is the same.
Of course, in any walk of life there are similarities, but the life of a nurse can be exciting, exhausting, exhilarating and many other feelings which make the job so rewarding and interesting. There are a number of companies that specialise in health care jobs and nursing recruitment, but Healthcarejobs4u have been helping healthcare specialists for many years. If you are placing jobs, on to nursing job boards, or applying for a new exciting role, it’s all there for people to move on with their career and move forward with the care of others within this rewarding environment.
Creating a budget is a simple way to make sure you stay on track with your finances. It’s a helpful tool to make sure you are making all payments necessary every month, including fixed expenses such as payments for rent/mortgage, car loans, title loans, credit cards, and insurance, as well as more variable expenses such as transportation, electricity and phone bills. Here are some very basic steps to budget for yourself and your family.
Step One: Add Up All Sources of Income
This step is usually very simple, as most people only have one source of income, but if you get income from more than one source, such as form a student stipend or investment income, include it in this area of the spreadsheet. Here is an example:
It is important to put your net income here, as that is what is important to your budget. Net income that you can’t spend can’t go towards expenses, so it shouldn’t be added to your budget.
Step Two: Calculate and Track All of Your Monthly and Quarterly Expenses
The first step to creating a successful budget is knowing all of your bills, expenses and costs, and whether they are the same each month, or they fluctuate.
Fixed expenses, or expenses that are the same each month, are things like your rent, where the amount due each month is the same.
Variable expenses are costs that aren’t fixed and can change month to month, like the amount you spend on gas for your car or food for yourself and your family.
Fixed expenses are the easy part, so get those down first. Add all of your expenses liny by line to a spreadsheet and add them up. It should look something like this:
These are all things that you must pay every month, but it is a good idea to include expenses such as “discretionary spending” where you take a variable expense and allocate a specific amount for it every month that you don’t exceed. This can also be done with transportation as long as you spend about the same every month. Car insurance is fixed, but gas isn’t, however if you drive the same route to work every day and have very set routines, you’ll probably use about the same amount every month. This is a way of treating a variable expense as a fixed expense.
Once fixed expenses are accounted for, it is time to add in variable expenses. If you go out to eat often, or even just a few times a month, you need to budget for how much you are spending on that every month. This can be difficult, as it changes every month, but you can budget for this by either averaging out what you’ve spent in previous months. You can also inflate the estimated costs as well a bit to give a little breathing room in case you go over budget.
Step Three: Budget for Savings
You’ve already included debt repayment in your fixed expenses, as well as all the money that you pay everyone else, but it is important to pay yourself too, or future you in the case of savings. Some recommend saving 20% of total net income for savings, but this isn’t attainable for many. However, you should always designate a set amount every month to go towards savings. You’ve worked hard for your money, so why not keep some of it. To do this, simply subtract all of your expenses from your income and whatever is left is money that can be put towards savings!
It’s That Easy
These three easy steps have set you up for a strong financial foundation. There are more complex methods out there, but if you don’t have a budget at all, start with this to make it a great, helpful habit and develop your savings skills. Track your expenses and spending every month and make sure you’re not going over budget, and if you are going over budget every month, either adjust your spending or adjust your budget.
New York might be seen as a destination for party people or lovers of high culture, but this vast, exciting city is a wonderful destination for families with kids, with a huge list of great things to do that will appeal to the whole family.
Despite the vast array of family friendly attractions, sights and experiences, exploring the Big Apple with kids can also be challenging. It is a big city, and as such it is important to think about getting around and keeping little ones engaged and energised. In a city so full of exciting cultural attractions it can also sometimes be hard to find a balance of attractions that appeal to the entire family.
With a little forward planning however, New York can be a real treat for families of all ages, and provide genuinely special experiences that everyone will enjoy. To give you a helping hand when putting together your itinerary, we’ve jotted down some of the best family experiences in town, and some hints and tips for keeping everyone happy throughout your trip.
One of the best spots in town for kids, and with loads of interesting exhibitions to keep adults entertained too. Dinosaur bones and a life-size Blue Whale will thrill the little ones, and the collections and history on display are pretty fascinating whatever age you are!
This conservation park in the heart of the Bronx is a wonderful way to spend a whole day, with an enormous array of attractions, experiences and amazing creatures on show. For your smallest family members the Children’s Zoo offers hands-on, close-up experiences, while the Asia Monorail helps tired legs get around this vast space.
Circle Line Sightseeing Cruise
New York is a surprisingly popular cruise destination, and many visitors arrive or depart the city as part of a New York cruise. For families who don’t have the chance to arrive by boat, the Circle Line is a great, family friendly way to see a big chunk of the city, and a bunch of the main attractions, from a comfortable, safe environment. Kids can roam freely on board, and rest their legs, while checking out the iconic skyline, and the Statue of Liberty.
Top of The Rock
New York is best seen from up high, and the viewing deck at Rockefeller Centre is the perfect place. Not as crowded as the Empire State Building, plus you get to actually look at it as part of the view.
Coney Island is the perfect trip for the whole family. Everyone loves the beach, and the fairground rides and carnival sideshows create a wonderful atmosphere for everyone. Grab a hotdog, stroll along the sand and take in the magic of New York’s most retro neighbourhood.
The most important thing to remember about visiting New York with kids is to take it easy. Walking the High Line in Chelsea before exploring Manhattan will exhaust little legs, and when there’s so much to see it’s tempting to overdo it. Take your time and enjoy it, and you’ll have the perfect trip.
Whenever we hear the word casino we automatically think of Las Vegas. There’s a popular saying “What happens in Las Vegas, stays in Vegas”. Filled with a number of casinos, the town is always buzzing with activity and is a haven for gamblers. We have heard a number of rags to riches stories about people who made it big in casinos. And we desperately want to make it at least once in our lifetime, don’t we?
It’s impossible for everyone to visit Las Vegas considering various factors like expense and time. The cyber world came to our rescue and allowed us the luxury of playing at online casinos. There are numerous online casinos available all over the cyberspace that one can enjoy all the casino games that we have heard of right from the comfort of our living rooms. If you are someone who always wanted to visit brick-and-mortar casino but couldn’t afford to visit, you can try playing all the games you want at any of these online casinos. The first step before playing in a casino is to understand the game completely, know its tips and shortcuts so that you don’t lose much in the beginnings. Are you curious to know about some of the common games played at online casinos? Here they are:
This is one of the most common games available in casinos that are now made available in online casinos as well. The game is purely based on luck. If you do not want to invest much, this is the game for you. All you need to do is insert a few coins in the slots machine and you are rewarded as per the pattern that comes. To make it big in this game, you have to keep giving it a try multiple times.
Roulette is a fascinating game that is extremely popular among both the land-based and online casino patrons. The game is purely chance based. You can bet your money on colors, single numbers, and multiple numbers etc. There are different kinds of bets available like Inside bets, outside bets, and announced bets.
Blackjack is one the popular casino game that is widely enjoyed by a variety of players. In this game, the player and the dealer receive 2 cards each. In the game, both the dealer and the players have to get as close to 21 as possible. The player whose hand value exceeds 21 is burst i.e. he is out of the deal. Whoever gets close to 21, wins the game. BlackJack is an integral part of every online casino site
Poker is the widely played casino game throughout the world. Be it Vegas, Amsterdam or Macau, people flock in droves towards the poker tables at casinos. Because of its huge popularity, the game is now made available online and gives the player the same experience he would get in a brick-and-mortar casino. The game is skill based and the player who holds the nerve till the end manages to win the game. The emergence of various online poker sites and poker mobile apps act as a testament to the popularity, online poker has with the global audience.
5. Indian Rummy
India Rummy is an addictive card game that is played in Casinos based in India. The game is heavily skill based and is making rapid inroads into the casinos of other countries. The objective of the game is simple, 13 cards are distributed to each player, and the players have to arrange them into proper sequences, and/or sets. Already a household game in India, the popularity of the game has skyrocketed after the advent of online rummy sites and rummy mobile apps.
Casino games are fun. There is a wide range of games apart from the ones we’ve mentioned. Some of it is skill based and the rest is luck based. While you have to grind a lot in skill games like poker and rummy in order to taste success, for other games your fate depends on whether it’s your lucky day or not. It is advised not to go overboard after few successes in chance-based games as the tide could turn for the worse any moment. It is also important to choose the right site as there are numerous fraudulent sites conning the people around. Have a safe and secured gaming experience.
The benefits of growing a small family garden in your backyard cannot be underestimated. Apart from it providing fresh and healthy food for the family, it also serves a means to teach children moral lessons of hard work and the miracle of growth.
Instead of just being a project, the garden becomes a family affair, creating unity and togetherness. Children are assigned various responsibilities to improve the garden which builds their morality and accountability.
As the family takes responsibility to weed, water, feed and tend the garden, the plants grow and bear good forth fruits. If you already have a garden or planning to have one, here are some tips to help you make the most of a small family garden:
It all starts with planning. You have to plan the location, spacing, soil structure, fertilizer, irrigation and plant type for the garden. You need to examine the climatic, space and soil structure to determine the kind of fruits and vegetables to grow.
The best soil structure is a mixture of sandy and clay soil with an amount of compost. Once this is all set, you can go ahead and plant your soybeans, lentils, peas, nuts, leafy vegetables, root vegetables and much more.
The soil type will determine the amount of water needed. You might want to purchase a pump and create a small irrigation system to water your garden so that the plants will remain fresh, vibrant and strong. Assign accountability for watering and ensure that the plants have been provided adequate water to grow.
Fertilizer is to plants what food is to humans. Applying fertilizer to plants is a two-way stage. Base on your soil condition, you can evenly spread fertilizer across to prepare the soil for planting. When the plants are growing, they might use up the nutrients provided initially. This might require additional fertilizer at the sides of the plant. Ensure that you don’t over-fertilize.
Weeding is crucial if you want to keep the garden neat, organized and attractive. Using a small hoe, you can get rid of small weeds that are competing with the plants for water and nutrients. It can be done periodically to ensure the entire garden is clean and devoid of weeds.
Pest control is critical to preserve your hard work. Identify insects quickly when they try to breed in the garden to ruin your crops. You might want to apply an insecticide to kill them. As your family takes care of the garden, eventually the plants will grow and produce food. If you looking for a bit of expert advice to manage and grow your garden, contact our team at Grasslands.
We would like you to talk about your tips on making the most out of a small family garden. Grasslands have created an eBook for you to refer to should you need some ideas. These include design tips, choosing the right plants to put in your garden and planning children-friendly garden projects!
We would also like you to use the hashtag #FamilyFriendlyGarden to encourage your readers to join the conversation!
The glories of Liverpool lie in its past industrialization, urbanization and exquisite buildings that shape the city. While football and music have been its prime brand positioning in modern times, they also have several galleries, museums, waterfronts, historic architecture and many others that leave tourists in utter amazement when they move around the city.
Liverpool’s awe-inspiring, tourist destinations draw millions of tourists to catch a glimpse of the city. The city has a friendly environment and an affordable lifestyle, making it easy for people to tour and visit. The following are some of the notable places you can’t afford to miss when you are in Liverpool:
The Beatles Story Experience
Liverpool is famous for the Beatles. To commemorate and celebrate the exploits of the Beatles, an award-winning exhibition center located at Albert Dock, on the UNESCO World Heritage waterfront was erected. This beautiful arena offers visitors the lifestyle, culture, and music of the Beatles Story.
International Slavery Museum
The International Slavery Museum provides an exclusive exhibition into life before the slave trade, how the slave trade started, how slaves were handled and how the slaves suffered discrimination even after the abolishing of the trade. It provides rich insights into centuries of years ago. Locate the museum inside the Mersey Maritime Museum of the Albert Dock.
The Liverpool Cathedral is a world-class tourist attraction, providing one of the best tower experiences any tourist might desire in Britain. The tower is the largest in Britain and the fifth in Europe. It offers Bell Chamber, Great Space Film, two dining avenues, and classic music for visitors.
If you’re a lover of animals, then you can’t get passed the Chester Zoo. It is a 125-acre zoological garden, situated in Cheshire, serving as a home for over 27,000 endangered and exotic animals. The zoo consists of dreaded animals such as giant snakes, elephants, crocodiles, and others.
Lady Lever Art Gallery
This gallery was dedicated to Elizabeth, Lady Lever by the husband known as William Hesketh Lever. The gallery consists of mind-blowing collections such as Pre-Raphaelite painting and the artistic works of world-renowned men like Millais, Rossetti, Burne-Jones and Holman Hunt. Locate the gallery at Port Sunlight Village.
The Sudley House
The Sudley House, located on the Mossley Hill Road encompasses the finest arts of great people such as Romney, Millais, Gainsborough, Landseer, Burne-Jones and much more. The art collection has been subscribed to the work of a Victorian merchant ship owner known as George Holt. When you move through these places, you will notice the beauty of Liverpool and why it has served as a leading tourism hub in Britain.
We have included this excellent infographic by Liverpool One which shows clearly how to get to some of its most social media friendly destinations, which also by definition means destintions where you can see some of the world-class art and culture Liverpool has to offer:
The Evolution of Lighting Design has come a long way over the centuries, in 1807 where the Victorian lighting breakthrough first came through gas fired streetlights, transforming the London landscape and creating a much-needed boost to safety. From gas through to the very first light bulb, invented by Joseph Swan in Newcastle Upon Tyne which eventually revolutionised lighting in buildings from his very own home, through to theatres and shops. With the invention of the lightbulb, inevitably, the subsequent styling and interior design elements followed and elaborate contemporary lamp shades from companies like Tiffany were popular with the wealthier communities. Designer Lighting and modern lighting accessories had been born. The designs began to evolve and moved through the decades, including iconic desk lamps and the first-floor lamps, through to pendant lighting and modern chandeliers. Of course, the technology changed to and we saw the emergence of LED light bulbs and importantly energy saving bulbs to help the environment.
Today, there is a huge range of modern lighting accessories and designer lights to choose from and Naken Interiors are one of the UK’s premier suppliers to customers here. Sometimes the sheer volume and diverse range of choice possible now days can overwhelm, but once a theme is chosen, you are able to transform a room from the ordinary to the extra-ordinary! Lighting has such an impact on the interior design look and feel to our homes and workplaces, so it is worth investing in designs that make a statement and makes your spaces really shine.
Starting a small business can be one of the most rewarding and financially lucrative decisions you will ever make. It is no surprise then that there are over 30 million small businesses in the United States. Perhaps more impressively, nearly 50% of the American workforce are employed by small businesses.
Small businesses promote creativity, the entrepreneurial spirit, and a sense of independence that can be hard to find in a larger corporate setting. Additionally, there are a dizzying amount of different types of small businesses that can turn out to be lucrative for the owners.
Types of Small Businesses
A complete list of small business ideas would be impossible to compile because of the sheer range of possibilities. When you want to start a small business, you must think of a skill that you have that you know will be in demand. Once you have the idea, create a business plan that lays out your expenses, expected growth, and profitability.
With a good idea and a well-formed business plan, you will be well on your way to starting a successful small business. With that being said, you will still need to find funding for your new financial venture, which can be a difficult process.
Read the tips below on how to fund your small business.
Outside investment is one of the most effective ways to fund your small business. If you manage to raise money from outside investors, have faith that your business plan is well constructed and potentially profitable.
Additionally, having outside investors who own a stake in your company will minimize your risk if your business does not manage to succeed.
So, how exactly do you attract outside investment?
Firstly, remember that in order to effectively attract outside investment, you must have a solid business plan. No one will want to go into business with someone who has not done their homework. Once that is complete, there are a variety of different ways to find people willing to invest in your new company.
Outside Investor Resources
Online business communities
Friends and family
Make sure you do your research to find out which type of strategy would work best for you.
When you start a small business, it is always a good idea to start your funding journey through outside investment. However, if you can’t find enough outside investment to fully fund your small business, you can turn to a variety of loan options that will help you set up your business.
Government Small Business Loan
Small businesses are good for the American economy. As such, there are loan programs set up by the government that are designed to reward small business owners and entrepreneurs. The Small Business Administration, or SBA, is a government program that helps small business owners achieve their goals. The SBA promises lower interest rates and down payments, as well as no collateral needed for some loans.
If you don’t have a line of already established business credit, it can be difficult to receive a bank loan for your small business. However, depending on your credit, a bank might be willing to give you a personal loan that you can then use to help get your business of the ground.
A title loan is a great option if you have bad credit but are in need of cash in order to start a small business. If you own a free and clear title to a vehicle, you could qualify for a title loan.
While interest rates can be higher for a title loan, they will get you money quicker than an SBA or bank loan. Additionally, depending on the value of your car, a title loan might even be able to get you more money.
What Type of Funding is Right for You?
Starting a small business can be a daunting process. However, if you eventually find success through your small business, all the fear and sacrifices that go into building one will be worth it.
One of the most important things you need to do in order to start a small business is get enough funding.
Luckily, if you use the tips outlined above, you will be well on your way to owning your own small business.
The casino is more like an amusement park for adults where gaming activities are being carried out. However, gambling is the major activity in many of the casinos today.
It involves investing a certain amount of money on a certain prediction. A successful prediction indicates wins with more profit while an unsuccessful prediction indicated loss of invested money.
Many casino players have failed for reasons unknown to them. They believe it is just about predicting. Casino involves an interplay of numerous factors. Schmitts Online Casino has helped in compiling 4 reasons why casino players fail, they include the following:
Lack of Understanding of The Rules
This is the major reason why casino players fail. This is because they believe rules are general. It should be known however that each game varies in rules. In fact, rules vary from country to country or even between different casinos. For example, using the same rule for Blackjack and Blackjack Switch leads to failure. One way to curb this is to familiarise oneself with the rules guiding the game.
Playing The Wrong Game
Some casino players fail because they play games they are not comfortable with. Failure follows when the game is tedious or hard to appreciate. It is difficult not to know the rules and play the right game. For instance, some players opt-in for the American version of Roulette with its double zero pockets. This implies failure as they increase the house edge by 3% as compared to opting for the European or French version.
Intoxicated, Yet Gambling
Research has shown that excessive consumption of alcohol reduces the thinking capacity of the consumer. Some players are fond of drinking while playing. This makes them place the wrong bet, thereby losing. In addition, drinking alcohol is a form of distraction in a game. For example, slowing down in the croupier denotes total failure. Croupiers are known for their fast dealings. Therefore, stay away from alcohol in order to increase your winning chances in casino games.
Falling For Gambler’s Fallacy
Gambler’s fallacy believes that an outcome is more likely to occur in the future because the opposite has been occurring frequently. Some players fall into this fallacy thereby losing them chances. The truth is that the other way round is also possible; an outcome might occur soon if it hasn’t happened for a while. Players should know that each spin is independent of the spin before or after it. Gambling is a game of mathematics and not in any way related to previous outcomes
There are many reasons why casino players fail. Some of them also include playing outside your bankroll, ignoring optimum strategies, trusting betting systems, playing with real money without trial, playing at unlicensed casinos, etc. It is important for players to be extra cautious while playing.
This will help increase their winning chances. Not everyone makes mistake in casino games, those that know the way and put it into action don’t. Don’t fall for any of the above tricks and you will be on top of the game.
You should never break this rule: Buy your
cigars only from a trusted professional local retailer or a reputable online
tobacconist store where you can get good pipe
tobacco online. This rule can never be over emphasized. You don’t want to
buy something that you’ll regret.
The shopping convenience of buying cigars
online anytime, from anywhere that the internet has brought us is actually
enjoyable and safe if we arm ourselves with the right guidelines and tips:
Can they Guarantee Fresh Cigars
Be sure what you’re buying are fresh cigars. For it to be really fresh it means
the store have a good humidor and keep their cigars at ideally around 70%
humidity and 70 degrees F preferably. This will ensure the cigars are kept at
high quality. You may need to contact the online store to find out.
Can they Guarantee Fast Delivery
The store should be able to arrange for fast shipping. You cannot afford to
wait forever for your cigar to arrive. If they have a shipping option of 2 – 4
days that will be great. This will go a long way to reduce the time that your
cigars will be on the road and outside of a humidor. If it stays too much on
transit, what you’ll get will be different from what you paid for. It’s risky
to compromise on this.
Reviews about the Sore Products and Services
You can find reviews from other cigar buyers
about the store. Ask friends around about the online store. Chances are that if
the online store is around for some time then one or two others have been
served by them who are willing to relay their experience.
Do They Offer Cigar Singles
Find out if the online store offers cigar singles. If you find a shop that
offers cigar singles it means you will be allowed to taste any cigar to see if
you want to really buy the whole box. With this you can feel what you want to
buy before bring out your credit card.
It’s ideal that before making a decision you
test like 2 different cigars of one brand. This is a great tip especially for
new cigar smokers.
Is the Online Store Secure?
To keep your financial details safe only buy from online stores that use data
encryption technology or Secure Sockets Layer (SSL). This helps keep whatever
financial information you’re exposing on the website safe and secure and cannot
be seen or decoded by a third party.
Do a little check to confirm they have a
secure password. Combine your password with numbers, letters and symbols.
How About their Customer Service
How is the online store customer service like? Do they have various means to
contact them? Is it easy to contact them? You may need to contact them from
time to time for one reason or the other especially if you’re a beginner or not
to experienced and need clarification on some stuff.