Tag: health

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Prepare Yourself for the Future of Work

The future of work has been on our collective minds for some time.

Technically, you never arrive in the future. It’s always, by definition, ahead of you. Yet months into a global pandemic that has triggered major changes to how we work, many experts are saying the future of work is hurtling towards us.

I sat down with Vice President of People and Communities at Cisco Systems, Elaine Mason. Elaine is a well-read deep thinker on the subject of the future of work, and I invited her to share her own research-based reflections on the changes we’ve seen so far, and what may still be to come.

And no matter what your job, career stage, or aspiration, Elaine shared plenty of tangible advice you can put to work today to prepare for your future professional success.

We focused our conversation on four trends that have been particularly relevant in 2020. These were:

  1. The remote workforce
  2. Diversity and Inclusion as part of corporate strategy
  3. Movement in the gig economy
  4. Shifts in corporate structure and hierarchy

The future of work and the remote workforce

Remote work could be here to stay

As I write this piece in my dining room—while my kids homeschool in their bedrooms—I’m aware that working virtually has become the norm for many across the globe.

Prior to the pandemic, company philosophies on remote work were all over the map. Some organizations have worked virtually for years. Many others resisted the trend.

The world of work has probably fundamentally changed.

But as Elaine describes the current state of virtual work, “With the rare exceptions of lab work, manufacturing, healthcare, [and other frontline professions] the majority of us are now [commuting]… seven feet from our beds to our offices.”

“The world of work has probably fundamentally changed,” she says.

Companies that had previously been cynical of virtual work have been forced to acknowledge that things are getting done. In many cases, executives report higher levels of productivity than ever.

But Elaine warns that studies on productivity are not yet conclusive. Some show productivity is up. Others, however, contend that work time is up, but actual productivity is down. The jury remains out.

So what’s next in the world of virtual work and productivity?

The purpose of the traditional office will evolve

Elaine predicts that virtual work is here to stay … sort of. The way we use the traditional office will likely shift.

"Workspaces will be used more like community service centers," she said. "What you're [likely] to see is those large campuses for a lot of organizations… will probably shrink, and the use of that space will be more event-based or point-in-time-based."

Workspaces will be used more like community service centers … and the use of that space will be more event-based or point-in-time-based.

In other words, there will be an office to go to, but it won’t necessarily be everyone’s default. You’ll go if and when a project or occasion calls for an in-person working session.

The good news? “If you're a new Yorker,” she offers, “that's been dying to live in Wyoming, this [may be] your chance.”

The concept of productivity will evolve

As Elaine points out, the measurement of virtual productivity is messy. Many companies measure by the amount of time employees spend on screens. By that measure, productivity is going up. But so is burnout.

Wearable technologies (think augmented and virtual reality) will allow companies to better measure how employees engage with their work.

In the future, she explains, we will begin to see a shift toward wearable technologies (think augmented and virtual reality) that will allow companies to better measure how employees engage with their work beyond staring at screens.

We’ll see a more complex definition of productivity grounded in actual outcomes versus just minutes online.

HOW YOU CAN PREPARE

  • Rethink your geography. If you want to make a move, this may be your moment.
  • Consider your priorities. Let go of the mindset that busyness equals productiveness. What impact do you want to have, and what work do you need to prioritize in service of that?

The future of work and Diversity and Inclusion

While the pandemic has challenged companies to figure out remote work on the fly, social justice happenings have pushed Diversity and Inclusion to the forefront of corporate priorities.

Progressive organizations are weaving Diversity and Inclusion into the fabric of their business strategies.

Elain says, "Companies are focusing on the triple bottom line: People, Profit, Planet… putting social justice into how they operate.”

So what does this look like in practice?

According to Elaine, companies are moving away from having standalone diversity strategies and departments. Progressive organizations are weaving Diversity and Inclusion into the fabric of their business strategies.

Employee Resource Groups (ERG’s) are a great example of this trend. ERG’s are voluntary, employee-led groups within organizations that aim to foster a diverse, inclusive workplace. Each group typically includes participants who share a characteristic such as gender identification or ethnicity. 

Employee Resource Groups are no longer just there to serve participants—they are informing company investment decisions.

At Cisco, Elaine says, the executive leadership team has started meeting quarterly with ERG’s to understand their experiences and incorporate their ideas into business decisions. These ERG’s, in other words, are no longer just there to serve participants—they are informing company investment decisions.

ERG recommendations are helping to shape product development and positioning and marketing strategy, all of which contribute to top and bottom lines.

Organizations like Twitter are beginning to compensate ERG leaders—historically these have been volunteer roles—in recognition of their strategic value.

HOW YOU CAN PREPARE

  • Lean into diversity. Don’t just pay it lip service, but be proactive in engaging with a variety of voices and experiences.
  • Be humble. Know you’ll make mistakes along the way. “Listen. And assume you don’t know [things],” Elaine says.

The future of work and the gig economy

“Gig is having fits and starts,” Elaine said. She described the tension that many American workers face between desiring the independence of gig work but also relying on the healthcare and benefits provided by full-time employment.

Job insecurity will continue to push people to consider going out on their own, while the need for employer-provided health insurance will challenge that choice.

And she believes that tension will keep the gig economy in the US in fits-and-starts mode. Job insecurity will continue to push people to consider going out on their own, while the need for employer-provided health insurance will challenge that choice.

HOW YOU CAN PREPARE

  • Be incredibly clear about what you’re qualified to do. What do you want to do? Where those things overlap? “This requires a good degree of self-awareness and an understanding of what [you’re] known for today."
  • Decide where you need to invest. Are there experiences, credentials, references you need to accumulate? Do those things early.
  • Focus on standing out. If you do business strategy consulting, for example, is there a unique angle you can offer to help yourself stand out from other such consultants? Differentiation will matter more as the gig economy grows.

The future of work and shifts in corporate structure and hierarchy

Recent years have revealed a good deal of pendulum swinging when it comes to how much structure and hierarchy is best.

“There was a real trend in the last decade,” Elaine explained “of breaking down structures [and] silos.” She described how online shoe-retailer Zappos experimented with the Holocracy—a means of giving decision authority to groups and teams rather than individuals. (Spoiler: they’ve since moved away from this un-structure.)

Companies, in Elaine’s opinion, are working to determine the ideal balance of hierarchy and freedom. And the previous trends we discussed are having a big impact on that decision.

Everyone is trying to design for agility and resilience, two of today’s buzziest words.

So while some companies are leaning toward structure and hierarchy while others lean away, the common thread she sees is that everyone is trying to design for agility and resilience, two of today’s buzziest words.

There’s nothing like a global pandemic to remind a company that it needs to be ready for absolutely anything. As organizations assess how they’re organized, they’re asking questions like “How fast can we recover? What contingencies do we have in place? What plan Bs and plan Cs do we have?” 

Elaine doesn’t know exactly what structure the organization of the future will take on. But she does offer some actionable wisdom.

HOW YOU CAN PREPARE

  • Gain new skills. Whatever your role, function, or industry, upskill yourself on being ready for change at any moment
  • Think broadly about what “career progression” means for you. As companies evolve, titles and promotions may no longer be the thing to shoot for.

For Elaine, she measures her own progression through three lenses that you too might consider:

  • Economic. How much money do you want or need to make?
  • Impact. "How close are you to positions of power and authority that allow you to make the largest impact on an organization?"
  • Personal growth. Are you learning new things as you go?

And there you have it. No one, not even the great Elaine Mason, can predict the future. But there are some actions you can take that will be sure to serve you, no matter what the years ahead might look like.

Source: quickanddirtytips.com

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Tips And Services To Help Your Bookkeeping Go Paperless

The COVID-19 pandemic wasn’t a catalyst to shift businesses toward digital transformation, it merely sped up the process. Businesses needed to scramble to move much of their operations online so workers could efficiently collaborate with each other and maintain business continuity during a difficult time.

Fortunately, departments not traditionally associated with the digital universe, like Bookkeeping, had an easier time adapting thanks to online services like Bookstime.com, a provider of digital bookkeeping tools with unique experience in difficult areas like sales tax automation, health benefits administration, and more.

Advantages of digital bookkeeping

Keeping track of every business transaction is among the most important and perhaps underappreciated tasks. Failure to keep track of transactions in a professional manner can result in a business owner making wrong decisions because they have inaccurate information.

Even worse, they might think they end the year with a profit but in reality, a bunch of small bookkeeping mistakes over several months means the business owner really lost money.

A shift to a digital platform eliminates these concerns. Online digital platforms make use of the most up-to-date accounting automation software that erases nearly every careless mistake. This is especially useful for a business owner who does the tedious but necessary job of bookkeeping themselves to save money. The more time a business owner spends on ancillary tasks, the less time they have to generate revenue and keep clients happy.

Some of the other advantages associated with going online include:

  • Eliminating clutter: keeping a clean home office is challenging enough but a digital platform means more space for higher priority files.
  • Save time: A digital bookkeeping platform is always available online with a few short clicks of the mouse. It can be accessed as needed and when needed in a few short seconds.
  • Environmental benefits: It isn’t unusual for a company to use at least 10,000 sheets of paper each year. Shifting resources online may seem like a small benefit but everyone has a responsibility to do a little bit more to protect our environment.

Case in point: Fill in a W-4

Every business owner is happy to hire new workers because it means they are expected to provide value to the company above and beyond their salary. But that doesn’t mean that the formal process is enjoyable.

One of the more undesirable parts of the hiring process is the pesky W-4 form that every employer has to ensure is properly filled in before a worker’s first day. Simply put, the W-4 form confirms how much income tax a worker wants to have withheld from their recurring paychecks. Under-withholding taxes means a worker will likely experience a shock come tax season as they owe money to the government. Over-withholding taxes means a worker is paying the government too much money and has to wait for a refund.

Digital bookkeeping can help simplify this process so you're less prone to errors. When other people’s finances are at stake, small careless mistakes could impact a worker’s desire to give the business owner 100% of their focus.

Businesses that shifted their bookkeeping process online to better navigate through the pandemic quickly realized this was a move that should have been done years ago. The advantages of having access to a clean and organized online tool far outweigh the costs.

Source: quickanddirtytips.com

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Everything You Need to Know About Budgeting As a Freelancer

Could logging in to your computer from a deluxe treehouse off the coast of Belize be the future of work? Maybe. For many, the word freelance means flexibility, meaningful tasks and better work-life balance. Who doesn’t want to create their own hours, love what they do and work from wherever they want? Freelancing can provide all of that—but that freedom can vanish quickly if you don’t handle your expenses correctly.

“A lot of the time, you don’t know about these expenses until you are in the trenches,” says freelance copywriter Alyssa Goulet, “and that can wreak havoc on your financial situation.”

Nearly 57 million people in the U.S. freelanced, or were self-employed, in 2019, according to Upwork, a global freelancing platform. Freelancing is also increasingly becoming a long-term career choice, with the percentage of freelancers who freelance full-time increasing from 17 percent in 2014 to 28 percent in 2019, according to Upwork. But for all its virtues, the cost of being freelance can carry some serious sticker shock.

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“There are many hats you have to wear and expenses you have to take on, but for that you’re gaining a lot of opportunity and flexibility in your life.”

– Alyssa Goulet, freelance copywriter

Most people who freelance for the first time don’t realize that everything—from taxes to office supplies to setting up retirement plans—is on them. So, before you can sustain yourself through self-employment, you need to answer a very important question: “Are you financially ready to freelance?”

What you’ll find is that budgeting as a freelancer can be entirely manageable if you plan for the following key costs. Let’s start with one of the most perplexing—taxes:

1. Taxes: New rules when working on your own

First things first: Don’t try to be a hero. When determining how to budget as a freelancer and how to manage your taxes as a freelancer, you’ll want to consult with a financial adviser or tax professional for guidance. A tax expert can help you figure out what makes sense for your personal and business situation.

For instance, just like a regular employee, you will owe federal income taxes, as well as Social Security and Medicare taxes. When you’re employed at a regular job, you and your employer each pay half of these taxes from your income, according to the IRS. But when you’re self-employed (earning more than $400 a year in net income), you’re expected to file and pay these expenses yourself, the IRS says. And if you think you will owe more than $1,000 in taxes for a given year, you may need to file estimated quarterly taxes, the IRS also says.

That can feel like a heavy hit when you’re not used to planning for these costs. “If you’ve been on a salary, you don’t think about taxes really. You think about the take-home pay. With freelance, everything is take-home pay,” says Susan Lee, CFP®, tax preparer and founder of FreelanceTaxation.com.

When learning how to budget as a freelancer it’s necessary to estimate your income and expenses before setting aside savings for tax payments.

When you’re starting to budget as a freelancer and determining how often you will need to file, Lee recommends doing a “dummy return,” which is an estimation of your self-employment income and expenses for the year. You can come up with this number by looking at past assignments, industry standards and future projections for your work, which freelancer Goulet finds valuable.

“Since I don’t have a salary or a fixed number of hours worked per month, I determine the tax bracket I’m most likely to fall into by taking my projected monthly income and multiplying it by 12,” Goulet says. “If I experience a big income jump because of a new contract, I redo that calculation.”

After you estimate your income, learning how to budget as a freelancer means working to determine how much to set aside for your tax payments. Lee, for example, recommends saving about 25 percent of your income for paying your income tax and self-employment tax (which funds your Medicare and Social Security). But once you subtract your business expenses from your freelance income, you may not have to pay that entire amount, according to Lee. Deductible expenses can include the mileage you use to get from one appointment to another, office supplies and maintenance and fees for a coworking space, according to Lee. The income left over will be your taxable income.

Pro Tip:

To set aside the taxes you will need to pay, adjust your estimates often and always round up. “Let’s say in one month a freelancer determines she would owe $1,400 in tax. I’d put away $1,500,” Goulet says.

2. Business expenses: Get a handle on two big areas

The truth is, the cost of being freelance varies from person to person. Some freelancers are happy to work from their kitchen tables, while others need a dedicated workspace. Your freelance costs also change as you add new tools to your business arsenal. Here are two categories you’ll always need to account for when budgeting as a freelancer:

Your workspace

Joining a coworking space gets you out of the house and allows you to establish the camaraderie you may miss when you work alone. When you’re calculating the cost of being freelance, note that coworking spaces may charge membership dues ranging from $20 for a day pass to hundreds of dollars a month for a dedicated desk or private office. While coworking spaces are all the rage, you can still rent a traditional office for several hundred dollars a month or more, but this fee usually doesn’t include community aspects or other membership perks.

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If you want to avoid office rent or dues as costs of being freelance but don’t want the kitchen table to pull double-duty as your workspace, you might convert another room in your home into an office. But you’ll still need to outfit the space with all of your work essentials. Freelance copywriter and content strategist Amy Hardison retrofitted part of her house into a simple office. “I got a standing desk, a keyboard, one of those adjustable stands for my computer and a squishy mat to stand on so my feet don’t hurt,” Hardison says.

Pro Tip:

Start with the absolute necessities. When Hardison first launched her freelance career, she purchased a laptop for $299. She worked out of a coworking space and used its office supplies before creating her own workspace at home.

Digital tools

There are a range of digital tools, including business and accounting software, that can help with the majority of your business functions. A big benefit is the time they can save you that is better spent marketing to clients or producing great work.

The software can also help you avoid financial lapses as you’re managing the costs of being freelance. Hardison’s freelance business had ramped up to a point where a manual process was costing her money, so using an invoicing software became a no-brainer. “I was sending people attached document invoices for a while and keeping track of them in a spreadsheet,” Hardison says. “And then I lost a few of them and I just thought, ‘Oh, my God, I can’t be losing things. This is my income!’”

As you manage the cost of being freelance, consider digital tools and accounting services to keep track of invoices, payments and income.

Digital business and software tools can help manage scheduling, web hosting, accounting, audio/video conference and other functions. When you’re determining how to budget as a freelancer, note that the costs for these services depend largely on your needs. For instance, several invoicing platforms offer options for as low as $9 per month, though the cost increases the more clients you add to your account. Accounting services also scale up based on the features you want and how many clients you’re tracking, but you can find reputable platforms for as little as $5 a month.

Pro Tip:

When you sign up for a service, start with the “freemium” version, in which the first tier of service is always free, Hardison says. Once you have enough clients to warrant the expense, upgrade to the paid level with the lowest cost. Gradually adding services will keep your expenses proportionate to your income.

3. Health insurance: Harnessing an inevitable cost

Budgeting for healthcare costs can be one of the biggest hurdles to self-employment and successfully learning how to budget as a freelancer. In the first half of the 2020 open enrollment period, the average monthly premium under the Affordable Care Act (ACA) for those who do not receive federal subsidies—or a reduced premium based on income—was $456 for individuals and $1,134 for families, according to eHealth, a private online marketplace for health insurance.

“Buying insurance is really protecting against that catastrophic event that is not likely to happen. But if it does, it could throw everything else in your plan into a complete tailspin,” says Stephen Gunter, CFP®, at Bridgeworth Financial.

Budgeting as a freelancer allows you to select a healthcare plan that best suits your employment status, income and relationship status.

A good place to start when budgeting as a freelancer is knowing what healthcare costs you should budget for. Your premium—which is how much you pay each month to have your insurance—is a key cost. Note that the plans with the lowest premiums aren’t always the most affordable. For instance, if you choose a high-deductible policy you may pay less in premiums, but if you have a claim, you may pay more at the time you or your covered family member’s health situation arises.

When you are budgeting as a freelancer, the ACA healthcare marketplace is one place to look for a plan. Here are a few other options:

  • Spouse or domestic partner’s plan: If your spouse or domestic partner has health insurance through his/her employer, you may be able to get coverage under their plan.
  • COBRA: If you recently left your full-time job for self-employment, you may be able to convert your employer’s group plan into an individual COBRA plan. Note that this type of plan comes with a high expense and coverage limit of 18 months.
  • Organizations for freelancers: Search online for organizations that promote the interests of independent workers. Depending on your specific situation, you may find options for health insurance plans that fit your needs.

Pro Tip:

Speak with an insurance adviser who can help you figure out which plans are best for your health needs and your budget. An adviser may be willing to do a free consultation, allowing you to gather important information before making a financial commitment.

4. Retirement savings: Learn to “set it and forget it”

Part of learning how to budget as a freelancer is thinking long term, which includes saving for retirement. That may seem daunting when you’re wrangling new business expenses, but Gunter says saving for the future is a big part of budgeting as a freelancer.

“It’s kind of the miracle of compound interest. The sooner we can get it invested, the sooner we can get it saving,” Gunter says.

He suggests going into autopilot and setting aside whatever you would have contributed to an employer’s 401(k) plan. One way to do this might be setting up an automatic transfer to your savings or retirement account. “So, if you would have put in 3 percent [of your income] each month, commit to saving that 3 percent on your own,” Gunter says. The Discover IRA Certificate of Deposit (IRA CD) could be a good fit for helping you enjoy guaranteed returns in retirement by contributing after-tax (Roth IRA CD) or pre-tax (traditional IRA CD) dollars from your income now.

Pro Tip:

Prioritize retirement savings every month, not just when you feel flush. “Saying, ‘I’ll save whatever is left over’ isn’t a savings plan, because whatever is left over at the end of the month is usually zero,” Gunter says.

5. Continually update your rates

One of the best things you can do for yourself in learning how to budget as a freelancer is build your costs into what you charge. “As I’ve discovered more business expenses, I definitely take those into account as I’m determining what my rates are,” Goulet says. She notes that freelancers sometimes feel guilty for building business costs into their rates, especially when they’re worried about the fees they charge to begin with. But working the costs of being freelance into your rates is essential to building a thriving freelance career. You should annually evaluate the rates you charge.

Because your expenses will change over time, it’s wise to do quarterly and yearly check-ins to assess your income and costs and see if there are processes you can automate to save time and money.

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“A lot of the time, you don’t know about these expenses until you are in the trenches, and that can wreak havoc on your financial situation.”

– Alyssa Goulet, freelance copywriter

Have confidence in your freelance career

Accounting for the various costs of being freelance makes for a more successful and sustainable freelance career. It also helps ensure that those who are self-employed achieve financial stability in their personal lives and their businesses.

“There are many hats you have to wear and expenses you have to take on,” Goulet says. “But for that, you’re gaining a lot of opportunity and flexibility in your life.”

The post Everything You Need to Know About Budgeting As a Freelancer appeared first on Discover Bank – Banking Topics Blog.

Source: discover.com

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How to Get Rid of Mice in Your Apartment

Got mice?

If these pesky pests are in your apartment, we’ve got solutions. While it makes good sense to keep them out in the first place, we get it, stuff happens. The number one thing you should do is speak to your leasing office maintenance crew or landlord. Let them know you need pest control right away! Hopefully they will send in a professional company to rid you of the problem.

But you can also be proactive and takes steps to oust the intruders. You should know that mice live in groups. So, when you see one mouse, you probably have five, six or more squatters.

That’s a problem because mice can contaminate food and food preparation surfaces, which can lead to potential health issues.

Leave pesticides to the professionals

You might think that pesticides are the way to go to get rid of mice. But according to the Environmental Protection Agency (EPA), that’s only a good idea if you’re a pro. This is not a DIY project.

Improper use of pesticides could be toxic to both people and pets, and people with compromised immune systems can be especially vulnerable to improper use of pesticides.

Here’s what you can do to rid your home of furry unwanted irritants scurrying across the floor and more.

1. Use traps

If you’re not squeamish interacting with a dead mouse, then try the old-school method. Terminix recommends baiting the trap with peanut butter, bacon, chocolate, dried fruit or oatmeal. Another option is a glue trap.

Or, you can try something more modern. There are actually traps that use high voltage to shock the mouse. It might sound cruel, but since it happens quickly, there’s no suffering. How does it work? The bait station is in the back of the unit. The mouse enters the trap and triggers a sensor. That’s when a high voltage electric current electrocutes the mouse in seconds.

Alternatively, catch-and-release traps are a humane option. When you trap a mouse, you can release it far from where you live.

2. Seal-off floor and wall gaps

mouse hole

If you see an opening where wires and conduits are in your apartment, those could be road maps for vermin. Mice can enter a building or home through the smallest opening or crack.

Plug up even the tiniest holes, even the ones the size of a nickel! Mice commonly move through walls, ceilings, floors and even cabinets.

3. Your in-house mouser superheroes

The furry pet you want in your house just might solve your mouse problem. If they’re up for it. Your cat is your live-in pest control agent. Some dogs can take on the task of de-mousing with vigor, too.

Mice love pet food. So, if you leave it out for your pet, that’s likely where your cat or dog will find the pest, nibbling away on his or her food.

4. All-natural repellents

Here’s a natural way to repel the critters as a preventive measure from the start. There are various mice repellents on the market that contain no chemicals and are also pet-friendly.

Ingredients matter, so look for the ones that have peppermint essential oil or balsam fir oil. These specific fragrances cause mice to find the closest exit. Humane and effective, you can find this option as a spray repellent or in sachet or pouch form.

5. Keep food sealed in the pantry

sealed food

Mice are in search of food. If you have a mouse problem, be sure that your food is safely sealed. Keep it out of the sight or smell of any mouse traipsing through your house. This means investing in airtight food canisters.

If there’s a package that’s ripped or open, remember that annoying mice can squeeze into even the tiniest opening in a bag or box of food.

Don’t do it all yourself

To help keep mice out of your apartment, have a list of what needs to be done to have a mouse-free home. The EPA recommends that you check your plumbing. Cover gaps and seals around sills, sewer lines and other spots they could squeeze into.

Ask the maintenance team in your apartment complex to do the hard stuff. This includes using caulk, knitted copper mesh, steel wool or foam insulation to block access around pipe openings.

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{ “@type”: “HowToSupply”, “name”: “Peanut Butter”
}, { “@type”: “HowToSupply”, “name”: “All-natural mouse repellent”
}, { “@type”: “HowToSupply”, “name”: “Airtight food cannisters”
}, { “@type”: “HowToSupply”, “name”: “Caulk”
}
], “step”: [{ “@type”: “HowToStep”, “name”: “Use traps”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/wall_with_vertical_garden.webp”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step1”, “position”: “1”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”: “If you’re not squeamish interacting with a dead mouse, then try the old-school method. Terminix recommends baiting the trap with peanut butter, bacon, chocolate, dried fruit or oatmeal. Another option is a glue trap.

Or, you can try something more modern. There are actually traps that use high voltage to shock the mouse. It might sound cruel, but since it happens quickly, there’s no suffering. How does it work? The bait station is in the back of the unit. The mouse enters the trap and triggers a sensor. That’s when a high voltage electric current electrocutes the mouse in seconds.

Alternatively, catch-and-release traps are a humane option. When you trap a mouse, you can release it far from where you live.” } ]
}, { “@type”: “HowToStep”, “name”: “Seal off floor and wall traps”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/mouse_hole.webp”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step2”, “position”: “2”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”:”If you see an opening where wires and conduits are in your apartment, those could be road maps for vermin. Mice can enter a building or home through the smallest opening or crack. Plug up even the tiniest holes, even the ones the size of a nickel! Mice commonly move through walls, ceilings, floors and even cabinets.” } ]
},
{ “@type”: “HowToStep”, “name”: “Rely on your in-house mouser superheroes”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/mouse_hole.webp”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step3”, “position”: “3”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”:”The furry pet you want in your house just might solve your mouse problem. If they’re up for it. Your cat is your live-in pest control agent. Some dogs can take on the task of de-mousing with vigor, too.

Mice love pet food. So, if you leave it out for your pet, that’s likely where your cat or dog will find the pest, nibbling away on his or her food.” } ]
},
{ “@type”: “HowToStep”, “name”: “Use all-natural repellents”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/mouse-1140×500.png”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step4”, “position”: “4”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”:”Here’s a natural way to repel the critters as a preventive measure from the start. There are various mice repellents on the market that contain no chemicals and are also pet-friendly. Ingredients matter, so look for the ones that have peppermint essential oil or balsam fir oil. These specific fragrances cause mice to find the closest exit. Humane and effective, you can find this option as a spray repellent or in sachet or pouch form.”
} ]
},
{ “@type”: “HowToStep”, “name”: “Keep food sealed in the pantry”, “image”: “https://www.apartmentguide.com/blog/wp-content/uploads/2020/01/food_containers.webp”, “url”: “https://www.apartmentguide.com/blog/how-to-get-rid-of-mice-in-your-apartment#step5”, “position”: “5”, “itemListElement” : [
{ “@type”: “HowToDirection”, “position”: “1”, “text”:”Mice are in search of food. If you have a mouse problem, be sure that your food is safely sealed. Keep it out of the sight or smell of any mouse traipsing through your house. This means investing in airtight food canisters.

If there’s a package that’s ripped or open, remember that annoying mice can squeeze into even the tiniest opening in a bag or box of food.”
} ]
}] }]}

The post How to Get Rid of Mice in Your Apartment appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

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Disaster Safety for the Apartment Renter

Home can feel like one of the safest places in the world, but dangerous and even deadly disasters such as earthquakes, floods and storms can threaten that safety.

When disaster strikes, being prepared is crucial to your survival. For apartment-dwellers, it’s critical that they understand how their apartment could be at risk during common disasters and what they or the community’s management should do to prepare.

Floods

Apartment living doesn’t make one safe from the threat of floods and the damage that they do. Often, flooding is caused by leaks, such as those from malfunctioning appliances or faulty pipes, but it can also be caused by natural causes, such as hurricanes and prolonged rain.

Water from flooding can damage both personal belongings, such as furniture and electronics, and the apartment itself. Mold and structural damage to flooring and walls are some of the common problems that come from flooding.

To protect your valuables, get flood insurance in addition to renters insurance. This type of insurance will cover damage caused by flooding, where renters insurance alone may not.

Another important step in protecting your valuables is to place items that can be destroyed by water in a location that’s high enough to be out of the way of rising water in the event of a flood. These types of items should be moved off the ground and away from areas, such as bathrooms that may flood accidentally.

Residents living in flood zones should ask apartment management about sandbags during heavy rainfall, which can prevent outside water from reaching ground-level apartments. Unplug electrical items if the apartment begins to flood during a storm, and if possible, vacate the premises.

flooding

Hurricanes

In a hurricane, people living in an apartment face damage from heavy rain and winds that can be as strong as 155 mph. This may result in windows breaking and damage to the apartment’s roof. Flooding from rain creates another concern during hurricanes.

To protect the apartment, bring in any patio/balcony furniture that high winds may toss against windows. Board up windows and sliding doors, and ask the apartment management if they’ll provide the necessary materials.

People who live on upper floors should shelter in apartments at lower levels when possible. Regardless of where the unit is located, stay toward the center in a room with no windows. Closets and bathrooms are good spots within an apartment to seek shelter. Keep a battery-operated radio on, and evacuate if instructed to do so.

Renters, particularly those who live in hurricane zones, should also verify that they’re covered with hurricane insurance.

hurricane

Tornado

Tornadoes are highly destructive, with winds that reach as high as 300 m.p.h. This can lift objects like trees from the ground and the roof off of a building. Damage to an apartment may include harm to walls and windows from outside projectiles and roof damage that ranges from mild to ripped off entirely.

The first step of protecting your apartment and yourself is to purchase an insurance policy that covers tornado damage. This is crucial for individuals living in areas that are at high risk for tornadoes.

To reduce the risk of projectiles, remove furniture from the patio or balcony. Speak with management about securing or removing items that can be lifted by high winds. The management should also trim branches in the complex that may break and fly through the air. Individuals living in high-risk areas should also talk with the management about the installation of storm shutters.

During a tornado, apartment residents generally don’t have a basement to shelter in. Instead, they should avoid windows and go to an apartment or room on the lowest floor, if possible. The room you choose to take shelter in should be near the center of the apartment. If staying in a bathroom, get into the bathtub. Wherever you go, covering your head and neck or wearing a helmet can help to prevent injury.

tornado

Earthquakes

When the violent shaking of an earthquake hits, it can cause more than just serious injury — it may also damage the structural integrity of an apartment. This could include cracks in walls, the ceiling or the foundation itself, should it shift during the quake. Earthquakes may also shatter or crack windows in the apartment.

Steps that you can take beforehand include anchoring heavy or breakable items that may fall or be flung around, such as mirrors, TVs and heavy and tall furniture like bookshelves. These items should be anchored to the floor or the wall.

Breakable or heavy items that can’t be anchored should be kept on lower shelves and never stacked. You should also check your renters insurance policy to ensure you’re covered for earthquake damage.

During an earthquake, renters should move away from mirrors or windows that may shatter and cut them. Ideally, they should find a sturdy desk or table to seek shelter under. Once under shelter, covering the back of the head and neck with one’s arms can help prevent serious injury.

If there are no objects to duck under, crouch against a wall inside of the apartment, protecting the head and neck. Stay indoors and under shelter until the shaking stops completely. Avoid going down apartment stairs during the quake and avoid elevators.

earthquake

Emergency preparedness

Before a crisis strikes, create an evacuation plan for when leaving the home is advised. Everyone living in the home should know what the plan is and have practiced it.

When creating an evacuation plan, families should have locations in mind where they can stay. Often, evacuated people will stay in a public shelter, or one can make plans to stay at the home of a friend or family member if the need arises.

Hotels and motels are options, but if evacuating with a pet, be sure to find out where pet-friendly hotels are located. Because families must also have a way to contact each other, every family member should have a list of phone numbers that are kept in a wallet or purse, including the number of an out-of-town friend.

Putting together an emergency supply kit is another universal and necessary step when preparing for potential disasters. An effective supply kit contains items that are crucial to a person or family’s survival following a disaster like a first aid kit, batteries, a flashlight and a battery-powered radio.

The emergency kit should also include enough nonperishable food for at least three days and a gallon of water per person per day. Also, pack important documents and an extra supply of medications in a waterproof bag.

Additional resources

  • Tornado Safety Tips for Apartments
  • Hurricane Preparedness for Apartment Dwellers
  • Tornado Safety Checklist (PDF)
  • Tornado Safety
  • What to Do During a Tornado Event
  • Where Is the Safest Place in a High-Rise Apartment During a Tornado?
  • Get Ready for a Major Earthquake. What to Do Before and During a Big One
  • Tips for Tenants
  • Here’s What to Keep at Home in an Emergency Supply Kit
  • Emergency Preparedness: Make a Plan
  • Family, Health, and Safety Preparation
  • Putting Together Your Emergency Supply Kit
  • Disaster Preparedness Guide for Seniors and Caregivers
  • Emergency Preparedness Checklist (PDF)
  • Build Your Own Pet Emergency Kit
  • Disaster Preparedness: A Checklist (PDF)
  • These Are the Best Foods to Stockpile for an Emergency
  • Checklist for Disaster Preparedness (PDF)
  • Preparedness Guide for Disasters and Emergencies: Personal Preparedness (PDF)
  • Floods and Flash Floods
  • How to Prepare for Hurricane Season
  • Seven Tips for Hurricane Preparedness
  • Hurricane Preparedness Tip

The post Disaster Safety for the Apartment Renter appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

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Amazon Prime Card offering new Whole Foods card art, limited-time bonus

On Jan. 20, 2021, Chase announced a new card art option for the Amazon Prime Rewards Visa Signature card featuring Whole Foods Market and added a limited-time sign-up bonus offer for those who prefer to shop at Whole Foods in-store.

Amazon has become a leader in grocery shopping during the pandemic, with consumers avoiding grocery stores due to health safety concerns – not to mention the convenience of shopping from a web browser. Amazon Prime members can enjoy speedy free delivery, as well as get access to online shopping at Whole Foods Market and special member deals when shopping in-store.

They can also count on extra savings if they carry the Amazon Prime Rewards card from Chase – or if they’re looking to apply in the next few weeks.

Here’s what you need to know.

Amazon Prime Rewards Visa Signature card
Amazon Prime Card Whole Foods

Our rating: 3.8 out of 5
Score required: Good to excellent
Type of card: Cash back
Spending categories: Amazon, Whole Foods, restaurants, gas stations, drug stores
  • 5% back on Amazon.com and Whole Foods purchases
  • 2% back on restaurant, gas station and drug store purchases
  • 1% back on other purchases
  • $70 Amazon.com gift card upon approval or $100 statement credit after spending $100 at Whole Foods in first 2 months
  • No annual fee

Our take: While the Amazon Prime Rewards card offers excellent cash back on Amazon and Whole Food purchases, it might not be the best choice for customers who don’t currently have a Prime membership and aren’t looking to subscribe.

A new Whole Foods card design and limited-time offer

Chase introduced a new card design option for new Amazon Prime Rewards cardholders, featuring Whole Foods Market art. New cardmembers with an eligible Prime membership can choose the new design when they apply for the card. If you’re an existing cardholder and would like to switch to the new design option, you can call in to request a new card after Jan. 22, 2021.

If you frequently shop at Whole Foods in-store, the new limited-time introductory offer can also be exciting news for you. Through March 3, 2021, new Amazon Prime Rewards Visa cardholders can earn a $100 statement credit after spending $100 in Whole Foods Market stores in the first two months from account opening. Alternatively, they can still choose the standard $70 Amazon gift card offer as a sign-up bonus.

Considering the standard bonus is lower, the new temporary offer might be a better deal. On the other hand, if you avoid shopping in-store or normally use Amazon Fresh for buying groceries, the gift card might make more sense for you.

Should I start shopping at Whole Foods if I have an Amazon credit card?

If you already shop at Whole Foods, the 5% back with the Amazon Prime Rewards Signature Visa and 10% off specially marked items is a good deal. The discounts, though, don’t make Whole Foods cheaper than other grocery stores.

In fact, according to a study from 2019, Whole Foods remains the most expensive grocery store with its prices at 34% above Walmart, which was reported to have the lowest prices overall. If your goal is to save on groceries, Whole Foods is evidently not the best option – even if you carry the Amazon Prime card.

Other cards to consider

The Amazon Prime Card isn’t the only option you should consider if you often shop on Amazon or at Whole Foods.

See related: Which is the best card to use on Amazon.com purchases?

For instance, with the Chase Amazon.com Rewards Visa card, you can get a $50 Amazon gift card upon approval and earn 3% on Amazon and Whole Foods purchases, 2% percent at restaurants, gas stations and drugstores and 1% on all else. If you don’t have a Prime membership and aren’t looking to subscribe, this is a good option, since the card doesn’t require for a cardholder to be a member.

If you do have a membership and shop on Amazon a lot, the Amazon Prime card is a better deal. With 5% for purchases made at Whole Foods and on Amazon, 2% at restaurants, gas stations and drugstores and 1% on all else, this card is hard to beat for Amazon and Whole Foods lovers.

If you’re looking for a card to buy groceries, consider the Blue Cash Preferred® Card from American Express that could save you more than with the Amazon Prime Visa at Whole Foods. Why? Blue Cash Preferred cardholders earn 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%).

See related: Best credit cards for grocery shopping

Bottom line

Now you can stack your rewards at Whole Foods, earning cash back and the limited-time bonus with the Amazon Prime Card, and you can get extra savings from the loyalty program. Whether it makes sense to shop at Whole Foods, even with rewards cards and the loyalty program, is up to you.

Source: creditcards.com

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Planning a Home Office? Check Out These Budget-Friendly Tips

Working from home has its perks. There’s the money saved from skipping the commute, and just think about all of that time you get back by avoiding crowded freeways or public transit during rush hour. As far as workplace attire goes, few employees would trade “work-from-home casual” for dress slacks.

But while working from home affords some new freedoms, it also creates new challenges. One of your biggest tasks is to create a productive, ergonomically correct workplace in your home without breaking the bank. If this sounds familiar, you’re probably asking yourself, “How can I set up a home office on a budget?”

Whether you’ve always worked from home as a freelancer or started during the pandemic, these expert tips will help you get started as you design your home office on a budget:

From finding the right location to choosing the ideal furniture, these tips will help you create your home office on a budget.

Strive for an ergonomically correct home office

Being home all day creates an unexpected obstacle: pain. Many workers find that transitioning from a well-equipped office to a makeshift setup at home leads to discomfort. That’s because many of them go from having a spacious desk, comfortable chair, and monitor and keyboard in their office building to working from a laptop in their living room.

If you suffer from neck pain or eye strain when working from home, you may be feeling the effects of poor ergonomics. Ergonomics, commonly known as the science of work, aims to optimize productivity and health in a workspace.

As a physical therapist with more than 25 years of experience, Karen Loesing, owner of The Ergonomic Expert, knows this issue all too well. Loesing’s company performs ergonomic assessments for businesses and home offices. Over the years, she has seen countless clients suffering from neck, back or other health issues due to poorly designed workspaces. But it doesn’t have to be that way, Loesing says.

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“Having an ergonomically correct workstation enhances productivity and generally overall happiness at work.”

– Karen Loesing, owner of The Ergonomic Expert

There are relatively easy ways to transform an ergonomic nightmare into a well-functioning home office on a budget—even if you’re stationed at the kitchen table, she says. And the investment is worth it.

“Having an ergonomically correct workstation enhances productivity and generally overall happiness at work,” Loesing says. “For those who are able to designate a certain space in their home where they can work without distractions—maybe even a window with a view and the flexibility to work at your own pace—it has been proven this makes for a happier employee.”

Who doesn’t want to boost their health, productivity and happiness in one fell swoop?

Find the optimal location for your at-home workspace

When setting up a home office for remote work, location should be your first decision, says design consultant Linda Varone, author of “The Smarter Home Office.” Depending on your living situation, there may be an obvious answer, such as that spare room you’ve always thought could become an office space.

If you don’t have a dedicated office, don’t despair. While you design your home office on a budget, think creatively about where it can be.

Varone once visited a client’s home to help reconfigure her workspace. The client was running a business from a table in the hallway. “At the end of each workday, she had to pack everything up and store it in the closet in the guest room,” Varone says.

But as Varone learned, guests only stayed over two weeks a year, leaving the room empty the rest of the time. It hadn’t occurred to the business owner, but turning the guest room into a home office for most of the year was the perfect solution.

If you’re setting up a home office for remote work, picking the optimal location for your workspace should be your first step.

“There are some simple, simple ways that people can rethink their home office without a big investment and make that space really work for them,” Varone says.

In addition to using a guest room, a dining or living room can also function as a home office on a budget.

Establish the ideal setup for your workstation

Once you’ve decided on the room, determine the location for your workstation, Varone says. As you plan your home office, consider placing your desk or table near a window, allowing for natural light and an occasional glimpse of nature. Don’t face directly outside; instead, aim for a line of sight that’s perpendicular to the window, Varone says. That’s because, even on an overcast day, you’d be looking into too much bright light if you’re facing the window.

“What’s happening is your eyes are adjusting back and forth between the bright sunlight that you’re facing and the darker light of your computer screen,” Varone says. “And that ends up being really fatiguing for the eye.”

If you live with others, the biggest challenge will be privacy. Try to clearly define the boundaries of your “office” if you can, such as with an area rug, she says. Then ask your roommates or family members not to enter your space while you’re working, apart from an emergency.

When you're planning a home office, try to clearly define the boundaries of your workspace if you live with others.

If you use a multipurpose space, be sure to tidy everything up at the end of the day, Varone says. Taking the 10 minutes or so to clean up your “office” will reduce clutter. Ultimately, a clutter-free space can reduce your stress and boost your productivity.

“That also has a benefit of becoming a little ritual and helping you say, ‘All right, my workday is over,’” Varone says. “‘Now I can focus on my personal life.’”

Choose your furniture wisely

Now that you’ve found the perfect location for your home office on a budget, focus on finding the perfect work surface. Maybe it’s a traditional desk. Or it could be your dining room table or kitchen counter.

If you do need to buy a desk or chair, don’t feel like you need to spend a fortune. Try looking for a used office furniture store or liquidator in your area, Varone recommends. You could even try searching online marketplaces for a gently used model.

When planning a home office and considering your work surface, what matters most is the height.

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The average desk is 29 inches high, Loesing says. This will likely accommodate someone who’s 5’8”, she acknowledges, but for everyone else? It will take some adjusting to make it fit for them.

That’s where your chair comes in. Most people don’t need a high-end office swivel chair to work comfortably. As long as you can adjust the height of your chair to fit you and your desk, you’ll have a comfortable setup.

It’s important to adjust the height of your chair to achieve a neutral position, Loesing says. If you don’t have the instructions from the manufacturer on how to adjust your model, try searching for videos online, she adds.

One more chair takeaway from Loesing?

“If you can’t spend a dime, at least get as comfortable as you can where you’re sitting, and sit all the way back in your chair,” Loesing says. “When you don’t sit so your back is against the backrest, you’re using your back muscles all day long instead of them being at rest.”

When you design your home office on a budget, make sure your chair and work surface allow you to get into a comfortable sitting position.

Adjust your furniture and equipment

As you continue planning a home office, you’ll likely find that your computer is your most important piece of equipment. But it can also lead to neck strain. Whether it’s a laptop or an external monitor, Loesing says screen placement is key. In fact, she says it’s the single most important feature to address—as well as the most commonly disregarded one.

While you plan your home office, Loesing recommends keeping the following ergonomic guidelines in mind to help avoid neck strain:

  • Align your monitor so your eyes are level with the screen. (That’s typically about 4” from the top of the monitor.)
  • Place your feet flat on the floor and your knees at about a 90-degree angle with the ground.
  • Place your arms at about a 90-degree angle from the writing surface so your shoulders are relaxed.

If you only have a laptop, and no monitor, you still have options for raising your screen to eye-level. “There are budget-friendly laptop risers on the market,” Loesing says. “If you don’t want to spend any money, you can place books or reams of paper to bring the screen up to eye level.”

When setting up a home office for remote work and thinking about your arm placement, note that Varone is a strong advocate for an external keyboard. If you’re working at a desk that has a keyboard tray built into it, that’s a great way to keep your arms at about a 90-degree angle, she says. If you don’t have a built-in tray, she says you can improvise by placing your keyboard on an inexpensive laptop table situated directly under your desk.

While the exact adjustments will vary depending on your equipment, height and budget, the focus is on acquiring a neutral position or a position where there’s no strain on anything, Loesing says.

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“With the addition of standing desks, which encourage movement, employees often find they have significantly more energy at the end of the day.”

– Karen Loesing, owner of The Ergonomic Expert

Stand if it suits you

If you’re intrigued by the idea of a standing desk, you’re not alone. Standing desk sales have soared over the last decade, buoyed by reports of the dangers of too much sitting.

“Static postures (e.g., sitting all day in front of a computer) present more fatigue than dynamic working,” Loesing says. “With the addition of standing desks, which encourage movement, employees often find they have significantly more energy at the end of the day.”

You don’t have to buy an official standing desk to reap the benefits when planning a home office. “The least expensive way would be to take a laptop and place it up high on a built-in high counter using a compact wireless keyboard and mouse,” Loesing says.

Even if you don’t have a standing desk—makeshift or otherwise—you can still incorporate movement and circulation into your workday. Set a timer to remind you to stand up and stretch every 20 minutes, Loesing suggests.

For an even better boost, combine this with a popular guideline known as the 20-20-20 rule. Every 20 minutes, give your eyes a break by looking out a window at something at least 20 feet away, and do so for at least 20 seconds.

Don’t forget the ambience and accessories

Your desk, chair and computer are the major players when you’re setting up a home office for remote work. But there are a few additional items to consider, like lighting, plants and sound.

Setting up a home office for remote work should include some thinking around ambiance, like lighting, plants and sound.

Your overhead light fixture likely isn’t enough, as it will create shadows and can be too weak by the time it reaches your workspace, Varone says. She recommends investing in a table lamp that creates a wider spread of light in your area. Pick one with a translucent shade that will softly diffuse the light and make it easier on your eyes.

As you’re planning your home office, Varone also recommends incorporating a potted plant or flower into your workspace. Not only can it help purify the air and boost your mood, a natural element can contribute to a restful atmosphere.

Working from home means working with home noises—especially if you’re in an environment with roommates, a partner or little ones. To keep the noise down, consider noise-canceling headphones for a quieter workspace and clearer meetings. Other budget-friendly options? Try placing a towel under the door to block out noise from other rooms, Loesing says. Consider curtains instead of blinds, since they’re better at blocking out sound. Even pillows or large cushions can help reduce noise, she adds.

After you’ve taken care of the essentials and if you have the space and money, think about adding a reading chair to your home office. You can use this as a space to review documents or do some deep thinking, Varone says. It can be a welcome respite from your desk while keeping you in the office area, she adds.

When planning a home office, think about adding a reading chair to your space.

One last tip? Add a personal touch, whether it’s a framed family photo or a souvenir from your travels. It’s your home office, after all. Let your personality shine.

Set up a home office for remote work that allows you to thrive

Now that you know how to create a home office on a budget, you’re ready to make a space that works well for you. Whether you’re an experienced remote worker or a newbie, you can apply these expert tips to set up an office that’s functional and keeps you motivated day in and day out.

Ready to break in your new home office? Keep that motivation going by learning how to increase your earning potential this year.

The post Planning a Home Office? Check Out These Budget-Friendly Tips appeared first on Discover Bank – Banking Topics Blog.

Source: discover.com

Business credit cards

If you are a small-business owner and cash is not flowing and bills are piling up, the most important thing to do is contact your card issuer.

Some banks are also providing assistance in case you can’t pay your business credit card bill.

Another coronavirus complication: Scams

As consumers wrestle with the impact of the coronavirus, scammers are trying to take advantage of the situation.

In a June 2020 public service announcement, the FBI warned that the increasing use of banking apps could open doors to exploitation.

“With city, state and local governments urging or mandating social distancing, Americans have become more willing to use mobile banking as an alternative to physically visiting branch locations. The FBI expects cyber actors to attempt to exploit new mobile banking customers using a variety of techniques, including app-based banking trojans and fake banking apps,” the PSA warns.

Scammers might also be capitalizing on health and economic uncertainties during this time. In one such scam, cybercriminals are sending emails claiming to contain updates about the coronavirus. But if a consumer clicks on the links, they are redirected to a website that steals their personal information, according to the Identity Theft Resource Center (ITRC).

Identity theft in 2020: What you need to know about common techniques

Bottom line

The outbreak of a disease can upset daily life in many ways, and the ripple effects go beyond our physical health. Thankfully, many card issuers are offering relief. If you’re feeling financially vulnerable, contact your credit card issuer and find out what assistance is available. And while data security may seem like a secondary consideration, it’s still important to be vigilant when conducting business or seeking information about the coronavirus online.

Source: creditcards.com