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Archives for March 2020

March 31, 2020 by Marie

The Best Destinations for an Adventure Lover

For some people, the ideal holiday is sitting by a pool or on a beach topping up their tan. However, for many, they want to experience adventure, thrilling activities, and come away with some extraordinary experiences. A beach holiday will simply not provide this. Therefore, you need to ensure that you are choosing the right destination that truly allows the adventure lover inside of you to make the most of your time away.

Here are five destinations that will be ideal for someone who wants to see experience adventure.

  • Ecuador

Ecuador allows you to experience adventure to the fullest, while also providing you the perfect place to unwind too, which is vital! While you may believe that you don’t want to simply chill during your time away, burn out is still possible even on holiday. However, Ecuador won’t make the chill time feel like a waste of time. Hike to the top of quaint villages and then enjoy the breathtaking views as you rest up. Resting up won’t be at all bad here. The best thing about choosing to take a holiday here is that you can enjoy the thrill of exploring the Cotopaxi volcano at the national park by hiking, but there are also opportunities to snorkel, cycle, and swim. The experience of an Ecuador vacation doesn’t stop there! Learn how to kayak or surf, or even how to horseback ride, or what lives in the natural paradise of the forests.

  • South Africa

South Africa is the ideal destination for those who also love animals. Being home to vast numbers of natural wildlife, you can satisfy both the adventure and animal lover inside you by booking safari tours. Get close to hippopotamus, elephants, and zebras, and then get your heart racing as you watch lions, cheetahs, and hyenas from a distance living in their natural environment. If you don’t want to go on a tour, then why not consider abseiling down one of the mountains in Cape town or hiking and camping beneath the stars on one of the popular trails they have or exploring the hidden caves.

  • Switzerland

For many adventurers, it is the challenge they love to face that spurs them on. So what better place to take on a challenge than the Swiss Alps? The Swiss Alps take up nearly 65% of the country’s landscape and are ideal for adventurers and hikers alike. For the thrill-seeker, you can reach the summit of Jungfrau and then zip line your way down to the bottom, flying at 55mph down an 800m long steel cable! What better way to experience a hiking adventure than this?

  • Norway

The beautiful natural landscape is one reason this country is so popular amongst tourists, but one of the lesser-known reasons is down the adventures waiting there. Take to the waters and paddle across the largest fjord Norway has and experience the natural scenery that surrounds you as you experience your adventure.

  • Bazil

Finally, why not consider ticking off some of your bucket list adventures on your trip to Brazil because they offer plenty for adventurer lovers. Visit the Amazon forest and trek through on foot. Or glide through the river on a canoe or boat, and watch out for the wildlife that resides there. If this wasn’t enough, you could also:

  • Go hiking – check out the Serra da Canastra National Park
  • Discover the Pantanal wetlands
  • Dive and snorkel in the deep marines

 

March 28, 2020 by Marie

Smartphones are Turning Into Laptops

That time when laptops and smartphones will merge into one single multipurpose device, replacing a plethora of gadgets that we use every day is almost here. That’s because some smartphones today are even more powerful than the computers used by NASA to send a man on the moon several years back. The latest smartphones have graphic processors to deliver high-quality graphics and video buffering capability rivaling the fastest laptops in the market.

Tech companies have realized that encompassing the features of a computer in mobile is the next market trend with Samsung leading the race with their new NexDock for smartphones. With only a fraction of the price of a laptop, a NexDock is a laptop’s empty shell with only a Screen, Keyboard, and a USB-C type connector for docking your phone. It utilizes the immense processing power in your phone to give you a laptop-type windows experience by just docking your phone into its port. We can say more about Samsung but that is not the focus of this piece.

Smartphone-Based Laptops

The latest mobile chipsets are powerful enough to power a Windows operating system seamlessly. Tech companies are utilizing this enormous potential in mobile processor technology to power a new class of notebooks. If you look at the specifications of the latest models of laptops by Asus, Lenovo, and Hp, you would see that a Qualcomm chip is powering them. These are the same class of chips that power the latest smartphones. So, technically, there is no need for a person to have two devices performing similar operations.

The powerful processor of your phone can be utilized to power other devices and gadgets without the need for separate processors for everything. Microsoft has launched its “Always Connected PC,” which uses a mobile ARM chipset for its processor. ASUS came up with an innovative idea to compete in the market by introducing the PadFone. The phone is designed to power a tablet, and it can be put inside the casing of a tablet hull, seamlessly transforming itself into a tablet. The Sentio Superbook is another device currently in the market that allows for a connection with a smartphone. It then uses the processor of the smartphone as its CPU. It is so convenient to drop your phone into a tablet when you are feeling like watching a movie on a bigger screen or just working on an assignment.

What’s the Difference?

The only difference between a smartphone and a laptop is the screen size and the qwerty keyboard. A lot of companies have put docks in the market capable of harnessing the power inside a smartphone. A mobile phone dock is a laptop shaped hull having only a bigger screen and a full laptop-style keyboard. For example, Huawei has a product in the market that uses a USB-C type cable to connect to a laptop, and it uses its screen as a monitor. Mobile phones are slowly replacing laptops in the tech market, and tech manufacturers are beginning to adapt to this changing market trend.

 

 

March 26, 2020 by Marie

What is the difference between a physical bank and an online bank

The bank is an institution that has been very beneficial to our world. Banking began with the aim of providing us with safe places to keep our money. However, they have been able to add a lot of services over the years including giving out loans, allowing people to pay bills and giving out cards that can be used to withdraw money and make payments among many others. This article will explain the difference between a physical bank and an online bank.

What is a physical bank?
A physical bank is the type of bank that you can visit in your locality. They provide a physical location to store money. It is easier to trust these banks since they have a physical and verifiable office that you can easily visit whenever there is an issue. They mostly operate under the rules of the city or country. They are licensed and regulated by the government and to a very large extent, the deposit of the customers of a reputable bank is guaranteed. Even if the bank is to shut down, government regulations and insurance will lead to depositors getting their money back.

What is an online bank?
An online bank is a bank that operates on the Internet. For this type of banks, you can visit them through a website or their mobile app. In most cases, they also have phone numbers and social media platforms that you can use in communicating with them. They give you a high level of freedom over your account as you can load your account and use their services through their available platform without having to visit the bank. An example of an online bank is Transferwise. You can follow the link to read reviews about Transferwise, how reputable they are and tips on using their platform.

Similarities between physical banks and online banks
The major similarity between physical banks and online banks is that they provide the same services. They both exist as a platform where you can save money, pay bills, transfer money, get loans and every other service that a bank offers. Thus, virtually every service you can get from a physical bank, you can also get from an online bank, making both types of banks a great option when you need banking services.

Differences between physical banks and online banks
The major difference between physical banks and online banks is the fact that one has an office building locally that you can easily visit, while the other does not. Their mode for certain services could also be a bit different. For example, some transactions you might need from a physical bank might require you being physically present in the bank and presenting paperwork. However, when it comes to online banks, every service can be carried out remotely. Physical banks also gives you the opportunity to store physical stuffs like jewelry and important documents, while you might not get such opportunities with online banks.

The current state of physical and online banks
The important of online presence for any business is widely known. As a result, virtually every physical bank not only have a website and mobile application, but they also provide online banking services. Online banks also strive to have at least an office that they list on their website to get some of the trust that comes with having a physical location. Furthermore, most online banks strive to provide cheaper services since they know physical banks have an extra advantage. Thus, while the extra advantage of physical banks is the fact that they have a physical presence, online banks try to counter the advantage by being cheaper and more flexible.

March 26, 2020 by Marie

Simple ways to create a more organised home office

In today’s world, a large number of job roles allow us to work from home. For many people, as long as you have internet access and a laptop, you don’t need to be in the office to be able to carry out a day’s work.

The idea of working from home may sound appealing, but for some people, it can present a number of distractions. When working from home, it’s important not to let the likes of a TV or other members of your household come between you and the tasks that need completing.

Whether you have a new job which requires you to frequently work from home or you already do and find you get distracted easily, creating a home office is the best way to maximise your productivity.

In an ideal world you’ll have a spare room which can be transformed into an office, but this isn’t the case for everybody. If you’re in this position, then think about an area of your home which you don’t use as much, and can act as a place to work from. Whether it’s in your dining room, a corner of your living room or even a garage; you can still create an organised work space.

To help you work to the best of your ability when working from home and avoid any distractions; here are a few simple ways in which you can create an organised working environment.

Make sure your space is clutter-free

When carrying out numerous tasks at once, it can often lead to a cluttered work space. Whether it’s reading multiple documents or sorting through files, it’s important you maintain an organised working environment, as this can help boost productivity.

There are a number of ways you can create a clutter-free work space, including desk drawers, filing cabinets, storage bins and stationary holders. Adding these into your workspace doesn’t have to come at a cost and you could even use drawers and cupboards that you already have in the home.

Create a daily plan

Just because you’re working from the comfort of your own home, doesn’t mean you can’t follow the same routine that you would in the office. On a daily basis many of us create a plan for the day ahead, consisting of emails that need to be sent, tasks that need completing etc.

The best way to plan your day is to display all of your tasks on a whiteboard or noticeboard so they’re visible at all times. Doing this will also give you a sense of satisfaction when you can tick each task off as you complete it.

Just because you’re working from home doesn’t mean you can’t be productive and create an organised work space. By following the simple steps we’ve mentioned and adding some of your own, will allow you to make the most of your time when working from home.

 

March 19, 2020 by Marie

Going Green: Energy Saving Tips For The Office

Did you know that you can save your office thousands of dollars per year by using a few proven energy saving tips? To discover some effective energy saving tips, which will help your company decrease its utility bills, simply continue reading.

On average a single air-conditioning unit will consume 4,000 watts of power and will cost around 1,460 pounds, per year. So if you want to save your business money, it’s well worth limiting your use of air-conditioning units. As an example, there’s no reason to keep your air-conditioning units turned on, at the end of the day or during the cold winter months.

In comparison, while an air-conditioning unit will consume 4,000 watts of power in a year, desktop computers only consume 100 watts of electricity per year.

Invest in a green, energy efficient air-conditioning unit:

If you’re shocked by the amount of money that it takes to run an air-conditioning unit, it’s a great idea to replace your old, air-conditioning unit, with newer, energy efficient air-conditioning units. A smart move, which should save your hundreds of dollars per year.

Replace all of your outdated appliances:

You may be surprised to learn that in general, old, outdated appliances can consume up to 90% more power than new models. So if it’s been years since you’ve replaced your servers, computers, heat pumps or air-conditioning units, now may be the perfect time to replace some of your office’s outdated appliances.

One appliance which is well worth replacing is your server. As an average server consumes 1,000 watts of power per year and older servers take more energy to run than newer servers. You may also be surprised to learn that after air-conditioning units, severs consume the most energy, in your office.

Replace your office’s light bulbs with power saving LED light bulbs:

While light bulbs only consume 60 watts of energy per year, just think about how many light bulbs are currently used in your office. As it’s highly like that your office features a few dozen light bulbs, it’s a wise idea to replace all of your office’s light bulbs with power saving, LED light bulbs. As a bonus, the average LED light bulb has a lifespan, which is 5 times longer, than a cheap, traditional light bulb.

Use your printers sparingly:

In today’s technology focused age, where you can share files easily online, make sure that your team members think twice, before printing out pages of documents. As on average printers use 50 watts of energy each year. If you use your printers sparingly you may be able to reduce this number to 25 watts or less per year.

It’s also well worth getting your employees to think twice before using your office photocopiers. As photocopiers consume 70 watts of power per week.

Final thoughts:

So if you’ve been searching for smart ways to reduce your consumption of energy in the office, it’s definitely well worth implementing all of the clever, power saving tips which are listed above. All of which will also help your business save several thousand dollars per year.

 

March 17, 2020 by Marie

Things to Consider When Buying a Beach House

Living in a tropical paradise – this is often the first image when beach houses are discussed, and we can’t blame people for it. Being a beach house owner means enjoying vacations whenever you want to escape the hustle and bustle of city life.

But it also comes with its risks, from paying a slightly higher price for the property to dealing with hurricanes. You must make a careful consideration of these factors when you’re in the market for a beach house.

Solid and stable construction

Beach houses come with higher risks of damage, even complete destruction, because of their close proximity to the sea or ocean. There’s always the risk of hurricanes, which can bring storm surges, heavy rains, and strong winds.

Your first consideration should then be the overall construction of the beach houses on your list. Are they solid and stable enough to withstand hurricanes and other extremes of weather? Are they suitable for the recurring issues caused by the weather, such as floods and changing tides? You should consider hiring a certified home inspector to consider these aspects, including the overall structural soundness of the beach houses.

Tip: Concrete is considered as the best material for beach houses. While wood-framed homes have their appeal, these are less likely to withstand hurricanes that make landfall.

You should pay close attention to these parts of the house, too.

  • The roof should be made of sturdy weather-proof materials, preferably with a metal roof.
  • The windows should be made of impact-resistant materials. Not only are these preferred as protection against strong winds, but these will also decrease noise levels and increase energy efficiency.
  • The posts and beams should be strong enough to withstand hurricane-force winds.
  • You may or may not want outdoor living areas, such as patios and pools, depending on your lifestyle. But these should also be solid enough to withstand Mother Nature’s whims.

When it’s your turn to place an ad stating, “I want to sell my house Boynton Beach,” you can point out these desirable features to potential buyers, too.

Proximity to water

While being close to the water has its merits, it also has its risks, including storm surges, high tides, and floods. You have to consider, too, the increase in insurance rates that comes with these risks.

You may want a beach house farther away from the water if you want to be closer to the stores, for instance. You may also have children, so being too near the water isn’t safe for them. But you may want to own a beach house so close to the water that it’s already in stilts, and it’s also the right decision.

Other fees and rates

If it isn’t your primary home, you will likely need caregivers to look after your beach house while you’re away. It can mean paying for property management fees but, at least, you have the assurance that your beachside home will be taken care of.

Lastly, consider its potential rental income if it isn’t your primary home. You can then recoup your expenses for insurance, property management fees, and upkeep costs.

March 17, 2020 by Marie

The IRS takes a look back at its Private Debt Collection Program progress in the recently published IRS 2019 Annual Fiscal Report. The experts at Optima Tax Relief review and highlight some of the program’s key accomplishments.

The recently published IRS 2019 Fiscal Year Annual Report includes program performance for the Internal Revenue Service’s Private Debt Collection Program. The experts at Optima Tax Relief reviews the findings and share what it means for American taxpayers.

What is the Private Debt Collection Program?

Since 2017, the IRS has been contracting a small number of private collection agencies to manage the tax debt for some select business tax accounts as a result of a requirement issued by Congress. Through the IRS Private Debt Collection Program, the IRS works with these private collection agencies to work with taxpayers who have overdue tax bills. These agencies help taxpayers settle their tax debts.

Last year, the program was enhanced to include a new payment method that provided taxpayers an additional and convenient option to preauthorize direct debits (for either a single payment or a series of scheduled payments) against their federal tax debt. Additionally, this new payment method was designed to mitigate potential fraud (which increased by sixty percent in 2018 alone).

In June 2019, the IRS began assigning inactive business accounts to the private collection agencies through the Private Debt Collection Program, expanding the number of taxpayers being serviced by the program.

Currently, the four PCAs that have been contracted by the IRS include CBE, Performant, Pioneer and ConServe. These agencies have been fully vetted and contracted by the U.S. Department of Treasury.

Private Debt Collection Program Performance

Over the course of the fiscal year 2019, the IRS is reporting an increase in collection activity generated through the Private Debt Collection Program, and the program has achieved the following milestones:

  • Since program inception, the contracted private collection agencies (also known as PCAs) have serviced 200,000 taxpayers by either establishing a new payment arrangement or facilitating payment in full on their outstanding debt.
  • More than 2.4 million cases have been assigned to one of the four private collection agencies by the IRS – representing more than $22.5 billion in outstanding payment balances.
  • The Private Debt Collection program generated $301.7 million in revenue.

The revenue generated through the Private Debt Collection Program continues to exceed the program’s operational costs, and a percentage of this revenue has been invested to hire an additional one hundred Special Compliance Personnel employees to support the IRS’s Automated Collection System.

Click here to read the full 2019 Annual Report and IRS 2018-2022 Strategic Plan.

 

Sponsored Content

 

March 16, 2020 by Marie

Self-Employment and the Earned Income Tax Credit

Since 1975 the Earned Income Tax Credit (EITC) has been a godsend to low income earners who really cannot afford to pay Social Security and Medicare taxes (FICA) from an already limited income. The EITC has proved immensely helpful for millions of families across the US. Unfortunately, it is a tax credit that is often misunderstood.

For example, self-employed people otherwise eligible to claim the credit often fail to do so because they believe they are ineligible. Nothing could be further from the truth. As long as a self-employed individual meets all the same criteria as a standard employee, he or she can claim the EITC.

To qualify for the EITC, a taxpayer must be between the ages of 25 and 65. His or her filing status must also be single or married filing jointly. Finally, the taxpayer must be caring for dependent children or qualifying adult dependents not listed as dependents on anyone else’s tax return.

Definition of Self-Employment

The tricky thing with self-employment and the EITC is not actually the tax credit but defining self-employment. Whether or not a taxpayer is truly self-employed depends on how that person’s business is set up. We can start with sole proprietors, as they are the easiest to understand.

A sole proprietor is a person who does business individually, usually under a DBA arrangement. The business typically doesn’t have its own bank account, though some sole proprietors utilize alternative financial services to keep business finances separate. Finally, business income and expenses are reported on schedule C. All business income is treated as personal income for tax purposes.

You can technically be self-employed if your business is set up as an S Corporation or LLC. However, there are other tax implications to consider. Self-employed individuals working under a corporate arrangement tend to pay themselves through a combination of distributions and regular salaries. Corporate distributions are not subject to self-employment tax.

Claiming the EITC as a Sole Proprietor

Most self-employed people eligible to receive the EITC are sole proprietors. By their very nature, employees of S corporations and LLCs generally make too much to claim the credit anyway. Thus, our focus on sole proprietors.

The maximum credit for the 2019 tax year is $6,557. The average credit paid out for the 2018 tax year was just under $2,500. How much a given taxpayer might be eligible for depends on income and the total number of qualifying dependents claimed.

Claiming the credit is a matter of doing some calculations on your annual tax return. A sole proprietor begins with the previously mentioned schedule C. This is the form used to declare all business revenue and expenses. He or she uses the same calculations that he/she used to determine total income or loss from business dealings.

In essence, the amount of revenue left over after deducting all business expenses counts as the sole proprietor’s income. That number is used to determine EITC eligibility. If you were using computer software to do your taxes, the software would automatically calculate any EITC credit you were due. Preparing your taxes manually would require running the numbers yourself.

Play by the Rules

In closing, it is vitally important for self-employed taxpayers to play by the rules. Fudging the numbers in order to reduce self-employment taxes might also make one eligible for a higher EITC credit, but it could also result in losing access to the credit if the IRS discovers what has been done. In essence, the EITC is not guaranteed. Cross the IRS and you might not be able to claim it for up to 10 years.

 

March 6, 2020 by Marie

9 Tips To Help You Win Overwatch Season 20 Placement Games

1. Write only current meta

Select the unlocked hero from the end of the entry point and do not enter the watch game. You do not want your team to play action heroes on a particular item and map. Follow current goals and ratings

There are other good websites that you can use called Hero Poker, where you can team up with AI. The top of the drawing area is .It is tied to the most riding hero in this description and it is your easy choice.

2. Avoid Playing During Late Nights and Weekends

Last. Cancel last night’s game and last weekend you may be tired of your team. We don’t want to know who is more tired, and it smells. Not many people are playing right now, which means players will struggle to make a particular game, which means their team will be strong or wills. Do you really want to gamble?

And lots of great players and kids play on the weekends for a week. They still want to set up their watch, but are they as tough as me? This means that they may not be as big as you and may spoil your talk.

3. Be Nice, Supportive And Lead The Draft

. Be generous, helpful, and direct Many people show their respect and start playing indiscriminately as if the world is over, even if they are still capable of holding this position. overwatch account boosting Support If someone picks up a bad hero or something strange has come to him please Hello friends, are you thinking about changing “Semitra”? I think we have a lot of opportunities to win and select other languages. Thanks!

If you are using Hero Selector to gain experience and to sacrifice the choice of your teammates, it has become more traditional because they will feel that they have leaders and people who know what they are doing. have been.

4. Write directly directly for easy selection.

This advice is contrary to our claim that you should only accept the upper class. But if it’s easy for you, choose one of the hundreds of games that are not about this title. It doesn’t matter!

Pick it, try to find out in the program that you are your hero and you can help them win, because enemies often do not, because they do not take much.

5 Play Duo With Someone You Know or Trust

. Pair with people you know or trust You find and add your favorite characters to previous games. Or invite your true or good friends if that doesn’t work, please contact our Overwatch team and we will give you a reference soon.

7. Don’t play, have fun and have a break

What is a bright, bad day? Don’t hold your office today. This is normal if you want to play today. Sip on, get coffee (don’t get coffee for the first time, only if you drink coffee 🙂 Take a walk, wash your head, and make a single warm up game. After each loss, take breaks, sometimes eat, listen to music, and rest for 15 minutes.

8. Overwatch is a great way to improve training .

Do you think Messi has found a place where he has no players? You need an experienced and intelligent person to teach you. Check out our supervised teachers and find the one that suits you.

9. Hire our specialist services for plays.

your site or design with you. We can play the game for you or you can choose to play with our developers on the team .. We guarantee 70-100% of each win. Only 300 people will play with you. Even if you lose the front

March 2, 2020 by Marie

5 Top Women’s Day Cake Flavours To Leave Her Drooling

As soon as the word “cake” comes up, we all find ourselves drooling. Even while reading it, you are dripping continuously. Aren’t you? That’s the bewitching magic cakes have on our senses making it absolutely irresistible.

From the infinite squashy layers to the velvety frosting to the luscious topping, every ingredient works towards making a cake a piece of edible paradise. And, this is the prime reason it is said that “a cake is a lifeline of celebrations.” Without any doubts, it is!

1 Vanilla: The Vanilla flavour has no haters. The sweet-simple taste balanced with rich aroma makes the vanilla flavour classic and irresistible. And when this flavour is baked in a cake, expect nothing but a delightful pleasure. The most exciting thing about a vanilla cake is that you have the option to top it with anything—fruits, chocolates, nuts, candies, etc. If you are unsure about her choice of flavour, vanilla is the safest choice. So, order vanilla Womens Day cake online and treat her taste buds in ways ineffable.

2 Chocolate: Rich, dark, and exotic are the defining characteristics of a chocolate flavour. When chocolate is used between layers, and to envelope the cake, it makes the cake more tempting for the senses. From a cake that is all about chocolate to a fusion chocolate cake, in every cake form it is highly alluring to the tastebuds and the soul. You can make it more drool-worthy for your dame by going for a designer or heart-shaped chocolate cake.

3 Red Velvet: The most desirable flavour among cake lovers. Possessing a mild chocolatey and buttermilk taste blended with the velvety texture, red velvet cake when consumed promises kilograms of happiness and gratification. Available in its original and fusion flavours, red velvet cake for Women’s Day is the perfect option because of its distinctive taste.

4 Strawberry: A splash of fruity goodness never hurts, especially when it’s March–the season of berry goods. The sweet and mildly acidic flavour of strawberries, when combined with freshly whipped cream, lends to a cake a flavour that stimulates all the six senses in a soul pleasing manner. Therefore, a strawberry flavour cake is always a good option when you have the responsibility of making her smile.

5 Butterscotch: When caramel and vanilla come together, a butterscotch cake is born. Baked with moist layers of whipped cream and topped with crunchy butterscotch, in every slice of butterscotch cake, your woman can relish deliciousness. If she is not more of a sweet kind of a person, then butterscotch is the cake for her, always.

This Women’s Day, please her with a cake flavour that she will love to devour for decades to come.

About Marie

One and Co is owned by Maria Smith. She is an interior designer with a love for DIY, budgeting and everything home-related. You don't have to be a professional to have an awesomely designed home.

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