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الثلاثاء، 1 أكتوبر 2019

Working at Home as a Performing Arts Marketing Coach, Performer, and Writer

Melinda Massie is a performing arts marketing coach, published author, and performer. She teaches people in the performing arts how to market themselves. She also teaches marketing courses for TCU Extended Education and is an actress with TCU + UNTHSC School of Medicine. Prior to becoming a marketing coach, Melinda had award-winning careers in ballroom […]

The post Working at Home as a Performing Arts Marketing Coach, Performer, and Writer appeared first on The Work at Home Woman.



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U.S. retailers a top target for cyberattacks, report says

Cyberattacks that expose sensitive consumer information continue to be a major problem for big businesses such as retailers, according to a new report.That report, from Thales, indicates that 62% of retailers say they've experienced a data breach at some point in time, with 37% saying they had a breach within the past year.The list of well-known firms that have publicly reported cyberattacks includes Door Dash, Equifax, Home Depot, Marriott, Target and TJX Cos., owner of Home [...]

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Get Hired on the Spot for a Seasonal Job at Best Buy, Gap, Kohl’s or Target

This holiday season, employers are getting creative to fill thousands of seasonal job openings.

One new trend: on-the-spot seasonal hiring events, where job seekers can walk in to local retail stores and walk out with a holiday side gig. In October, four national retailers are jumping on the trend to kick-start their recruitment efforts in preparation for the holiday season.

The Penny Hoarder has tallied almost a half-million seasonal job openings available this fall at big-name national employers.

Companies Hosting Upcoming Seasonal Hiring Events

Here’s where and when job seekers can snag a retail gig before the holidays.

Gap Inc., Oct. 5

Gap Inc. is slated to hire more than 30,000 seasonal workers this year across all brands, including Athleta, Banana Republic, Gap, Janie and Jack, and Old Navy.

On Oct. 5, between 10 a.m. and 2 p.m. local time, candidates can visit their local Gap Inc. stores to interview on-the-spot for a seasonal position. The company expects to hire as many as 5,000 candidates during the one-day event.

Call centers and distribution facilities in Arizona, California, Ohio, New York and Tennessee are also participating. The company recommends that job seekers review the seasonal hiring landing page to find their nearest location and apply online before attending the event. 

Seasonal workers are eligible for store brand discounts of up to 50%.

Last year, Gap Inc. hired an estimated 90,000 seasonal employees.

“Our total is lower this year compared to last year, because we are investing in our current employee base and offering them the opportunity to pick up more hours during the holiday season,” a spokesperson told The Penny Hoarder, “something many of our employees have been asking for.”

Kohl’s, Oct. 5

Kohl’s declared Oct. 5 its first-ever National Hiring Day.

All company department stores, distribution centers and e-commerce fulfillment hubs are participating in the day-long event, which seeks to put a 5,000-person dent in its overall goal of hiring 90,000 seasonal employees.

According to the event announcement, candidates can apply online or in-store and use the seasonal hiring event as an opportunity to score an interview. If all goes well, “receive a verbal offer on the spot.”

In-store employees receive a 15% discount, and all seasonal workers are paid on a weekly basis. Seasonal positions may translate into long-term roles.

Best Buy, Oct. 10 and 11

People wait in line to purchase items from Best Buy on Thanksgiving.

All Best Buy stores are participating in a seasonal hiring event over two days.

Candidates can visit their local Best Buy between 12 p.m. and 7 p.m., Oct. 10 and 11, to chat with recruiters and interview for a seasonal opening. Applications may also be submitted online.

A variety of part-time and full-time positions are available, a spokesperson told The Penny Hoarder, including positions in sales, customer service, merchandising and inventory.

Seasonal employees are eligible for a 401(k) retirement plan and merchandise discounts.

FROM THE MAKE MONEY FORUM

Target, Oct. 11, 12 and 13 (and Nov. 2 and 3)

Target is leading the pack in terms of seasonal job openings with an estimated 130,000 holiday positions up for grabs at its retail stores and distribution centers.

It plans to fill many of those positions over the course of multiple seasonal hiring events at all of its nearly 1,800 retail stores on Oct. 11, 12 and 13 and again on Nov. 2 and 3. The in-person hiring events are geared toward candidates interested in customer service, sales, barista and other retail-related positions.

For distribution center positions, applications should apply on Target’s distribution center jobs portal. Department store candidates may also apply online through its retail jobs portal.

Target’s company-wide minimum wage is $13, and all seasonal employees are eligible for store discounts and bonus pay on Thanksgiving and Christmas.

Never Attended a Seasonal Hiring Event Before? Here’s How to Prepare

Walking into a store alongside dozens of other candidates may sound stressful. We’ve compiled tips from hiring event recruiters to help you feel confident.

  1. Check if you need to apply online — Each company has different policies. Some stores like Best Buy and Target may have application stations for you to apply to a position on-site. Other smaller stores may not have those resources available. Always double check beforehand.
  2. Dress business casual — Retail hiring managers say business casual is the way to go. If you’re still unsure, drop by the store before the day of the event and scout out what employees are wearing. Then match your outfit to the job you want.
  3. Be ready to interview — After a couple screener questions, it’s common to be interviewed on-the-spot at hiring events. Come prepared to answer behavior-based interview questions, which try to gauge how you react under certain circumstances. The best way to do that is by giving detailed examples  in a situation-behavior-outcome format.

For additional tips, read our guide to preparing for an in-store hiring event. Then go get yourself a new job.

Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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GoDaddy Web Hosting Review

Thanks to some eye-opening and somewhat controversial marketing campaigns, GoDaddy is one of the most well-recognized names in the web hosting industry.

Despite what you might think about their branding strategy, the company has some outstanding services that they offer. I recently named GoDaddy as the most popular web host on my list of the best web hosting providers.

GoDaddy has millions of customers worldwide.

They offer a variety of services ranging from website builders and professional email to domain registration and web hosting.

So if you’re on the hunt for a new web hosting provider, there’s a good chance that you’re already familiar with GoDaddy’s name.

But do their products live up to their reputation? Is GoDaddy a good web host?

These are some common questions that I hear on a regular basis, which is what inspired me to create this guide. I’ve taken the time to dive deep into everything you need to know about GoDaddy as a web hosting provider.

This review covers all of GoDaddy’s hosting plans and the benefits of using GoDaddy for web hosting. I’ll even discuss some of the downsides associated with their services.

By the end of this guide, you’ll be able to make an informed decision on whether or not GoDaddy is the best web hosting provider for your website.

GoDaddy Web Hosting Plans

Web hosting comes in all different shapes and sizes. GoDaddy offers a wide range of options to meet the needs of nearly any website.

There are plenty of hosting plans for you to choose from.

They have plans for basic sites, blogs, small businesses, agencies, and everything in between. Let’s take a detailed look at each of these plan options.

Shared hosting

GoDaddy’s shared hosting plans are very popular for new websites. Since shared hosting is the most cost-effective way to host a website, it’s best for those of you who are either creating a site from scratch or have a smaller website.

Here’s an overview of the shared plan options.

Shared Hosting Plans

As you can see, the pricing here is very attractive. A new website that won’t be expecting too much traffic can be hosted for just $6 per month.

With that in mind, I’d recommend the ultimate plan, at a minimum, for the majority of you looking for shared hosting. This gives you the best bang for your buck in terms of resources, which will make it easier when your site grows and traffic scales.

All shared plans come with one-click free installation of more than 125 apps and 24/7 security monitoring.

You can always purchase additional resources like RAM and CPU with just one-click from your admin dashboard as well. Speaking of which, the control panel is easy for anyone to use, regardless of their experience with web hosting.

WordPress hosting

Since WordPress is the most popular CMS in the world, there’s a good chance that you might be currently using it or considering it for your website. If that’s the case, the WordPress hosting plans offered by GoDaddy should be on your radar.

Wordpress Hosting

To be clear, the WordPress plans are also shared web hosting. The only difference is that it comes with WordPress already installed.

GoDaddy also does nightly site backups and automatically updates you to the newest WordPress version if you choose one of these plans.

For these added benefits, you’ll pay slightly higher price-points compared to the traditional shared hosting plans.

  • Basic — Starting at $6.99 per month (renews at $9.99)
  • Deluxe — Starting at $9.99 per month (renews at $14.99)
  • Ultimate — Starting at $12.99 per month (renews at $19.99)
  • Pro 5+ — Starting at $29.99 per month (renews at the same rate)

The WordPress plans also come with pre-built site templates as well as drag-and-drop page editors. This is a nice feature to have if you’re creating a new website.

GoDaddy has a 99.9% uptime promise for all WordPress hosting plans as well.

These plans can accommodate up to 400,000 monthly visitors for just one site. Except for the Basic plan, they all come with a built-in SEO wizard. All plans include built-in signup forms too.

VPS hosting

GoDaddy offers both manged and self-managed VPS hosting plans. While the self-managed options come at a fraction of the rate, they are only recommended for advanced users.

With that in mind, let’s take a look at the managed virtual private servers from GoDaddy.

VPS Hosting

Unlike some of the other plans we’ve seen, these discounted rates will continue when you renew your VPS plan.

With a virtual private server, you’ll get enhanced speed and performance due to allocated server resources specifically for your website.

GoDaddy offers up to 4 CPU cores, 8 GB of RAM, and 200 GB of storage. But in order to benefit from this, you’ll need to get their Expand package. The entry-level Launch VPS starts at 1 CPU core, 2 GB of RAM, and 40 GB of storage. As expected, the resources offered by the other plans fall in between.

GoDaddy VPS is best for those of you who have multiple websites or an ecommerce website. It’s also common practice for a GoDaddy VPS to be used as a test environment for both websites and apps.

You can also use a GoDaddy VPS as an email server or database server.

With all of this in mind, it’s worth mentioning that GoDaddy did not make my most recent list of the best virtual private servers (VPS hosting). While I don’t have a specific problem with their VPS services, I just think you can do better elsewhere.

Dedicated servers

Don’t be turned off by the fact that I didn’t rank this company so highly when it comes to virtual private servers. GoDaddy did make my list of the best dedicated hosting plans.

I like the GoDaddy dedicated servers because of the prices. For those of you who are looking for a low-cost dedicated hosting plan, GoDaddy is a top option to consider.

Dedicated Hosting Plans

At first glance, these prices may not seem so appealing. But that’s only if you’re comparing them to shared hosting plans.

Overall, these are actually great rates compared to other dedicated servers on the market.

Dedicated hosting is not for everyone. If you’re a small website or building a new site from scratch, you’ll be just fine with a GoDaddy shared plan. The dedicated servers are best for bigger websites that need complete control and flexibility.

Your dedicated server comes with full root access and no resource restrictions.

GoDaddy offers self-managed, managed, and fully managed options for all dedicated servers.

You should only consider a GoDaddy dedicated server if your site is resource-intensive or has traffic volumes exceeding the limits of your VPS plan.

Reseller hosting

Reseller hosting is appealing for developers, designers, and agencies looking to earn some additional profits from their clients.

If you read my guide on the best reseller hosting plans, you’ll find GoDaddy on the list side-by-side with some of the other best hosting providers in the industry.

Reseller Hosting

GoDaddy makes it easy for you to configure each hosting plan while providing tools for things like invoicing, payment options, and managing support tickets.

Pricing for the reseller plans:

  • Enhanced — Starting at $39.99 per month
  • Grow — Starting at $49.99 per month
  • Expand — Starting at $64.99 per month
  • Established — Starting at $89.99 per month

All GoDaddy reseller plans come with a free integrated WHMCS license for up to 250 accounts.

Furthermore, GoDaddy will let you sell additional products to your clients, such as other GoDaddy products as well as other third-party products. This is a nice way to provide an all-in-one solution to your clients while simultaneously increasing your margins.

Benefits of GoDaddy for Web Hosting

Now that you’ve had a chance to review all of the hosting plans offered by GoDaddy, let’s take a look at where this provider really excels the most.

Strong uptime rates

Uptime is always the first thing you should look for when you’re evaluating a web hosting provider. If your plan can’t deliver strong uptimes, then you better start looking elsewhere.

One of the reasons why GoDaddy has done so well over the years is because their uptimes definitely deliver. You can expect to see a 99.9% uptime rate on average throughout the year.

Sure, a couple of months might fall below average, but you’ll even mix in a few 100% uptime rates.

I recently saw a test that said the average monthly downtime rate for GoDaddy is about 13 minutes. That’s hardly enough to have a major impact on your website.

Fast loading speed

Typically, fast page loading speed isn’t associated with cheap web hosting plans. So it may come as a surprise to learn that GoDaddy has exceptional page loading times.

Loading Times

As you can see from the graph, GoDaddy has faster average loading times than a few recognizable names in the industry.

But with that said, this graphic was pulled directly from the GoDaddy website. So I’m sure they intentionally left off some competitors with faster times.

Are they the fastest web hosting provider on the market? No.

However, I’m confident that you’ll be satisfied with your website speed, regardless of the plan you choose. Obviously, choosing a higher-tiered plan will boost these times.

Easy app installations

As I explained earlier, GoDaddy also has its own website builder with drag-and-drop functionality.

For those of you who are looking for a bit more than this, then you can easily install more than 125 applications with just one click. This includes content management platforms like WordPress, Drupal, and Joomla.

You’ll also have access to developer tools like MySQL, cPanel, Python, and several versions of PHP.

In short, GoDaddy’s app installations meet the needs of a beginner blogger, tech-savvy webmaster, and everyone in between.

Price

GoDaddy’s entry-level pricing wasn’t quite low enough to make my list of the best cheap web hosting providers. However, their rates are definitely competitive.

With plans starting at just $5.99 per month, GoDaddy is very affordable. Even if you choose their highest-tier shared hosting plan, it’s less than $240 per year.

That’s pretty good, considering the strong uptime and fast page loading rates that we just discussed.

So for those of you who are price sensitive, GoDaddy is still a viable option.

Other Considerations

Based on everything we’ve talked about so far, it’s clear that GoDaddy has plenty of positives. Their plans are a great option for lots of websites out there.

However, it’s worth noting that GoDaddy has a handful of drawbacks. So you’ll want to take these into consideration before you finalize anything.

Upsells and increased renewal rates

One of the reasons why GoDaddy has such affordable pricing is because they hit you with upsells along the way. So on the surface, the price isn’t exactly what it seems.

GoDaddy Hosting Add-Ons

These are just a couple of examples showing features that you’ll have to pay extra for. But I’ll discuss this in greater detail shortly.

In order to lock in the lowest possible monthly rate, you must commit to a 36-month contract. Some of you may not be willing to commit to that length.

Once your plan renews, you can expect to pay higher rates than what you signed up for. Although this is very common in the web hosting industry.

In fact, GoDaddy’s price-spikes aren’t nearly as high as some other providers on the market. Plus, some of their plans (like the Pro 5+ WordPress plan and all VPS plans) renew at the same rate that you signed up for. So that’s a positive.

Basic features not included

To piggy-back off of our last point, GoDaddy has lots of upsells because some basic features aren’t included in their plans.

Most hosting providers will include a free SSL certificate, even in the basic plans. Other providers usually offer free backups and security with every plan as well, but GoDaddy does not.

Again, these can be purchased separately, or you can upgrade to a higher-priced plan, which is likely a better value for your money.

GoDaddy does not offer free site migrations either. This service tends to be hit or miss with other providers. But usually, it comes free with some plans. It’s also worth noting that the site migrations can take up to 10 days to complete. So not only are you paying, but you’re paying for a slow service.

Customer support

Customer support is a critical feature of website hosting. If you have a question or a problem, it’s nice to know that you can get in touch with someone.

GoDaddy advertises 24/7 support for its plans, but overall it’s pretty disappointing.

I’m not going to sit here and bash them. I just went on their site now to speak with a live chat agent and was connected almost immediately. So it’s not all bad.

With that said, review websites and customer forums are full of complaints related to GoDaddy’s support and customer service. Granted, people are more likely to complain after a bad experience, but the volume of complaints is still high.

Domain registration

It’s funny; GoDaddy is best known for its domain registration—not its web hosting services.

But I honestly would not recommend GoDaddy as your domain registrar. You might be tempted to bundle it with your hosting plan, but you can find better options elsewhere.

Check out my guide on the best domain registrars for more insight on this.

Conclusion

Do we recommend GoDaddy for web hosting? Absolutely.

GoDaddy is one of the most well-known names in the industry, and they have millions of customers worldwide. While you may not agree with all of their marketing tactics, their web hosting products are solid.

There are plenty of hosting plans for you to choose from.

Personally, I’d say GoDaddy’s shared, dedicated, and reseller options are the best.

So if you’re looking for a web host, GoDaddy deserves to be on the list for all of the benefits that we listed in this review. Just make sure to be aware of any potential drawbacks before you make a final decision.



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Figuring Out Next Steps with Our Home Printer

Let’s talk about our home printer, not just because we need a replacement (and you might, too), but also because it’s a good example of the thinking behind making a sensible purchase.

For the last several years, we’ve had a home printer that we have to constantly “baby” to get it to print. It has had several minor but fixable problems along the way, but it seems to have a slightly defective printer head that noticeably reduces print quality but not irreversibly so. We’ve tried about everything under the sun to fix it, but now we largely just use it for emergency printing purposes and find other places to print when the document has to look good.

Normally, our home printer is used mostly for things like occasional documents for my wife’s workplace, papers and other things for my children’s schoolwork, a few odds and ends like checklists and calendar pages and printed tickets, and so on. We have used it to print photos in the past, but as print quality has declined, we have largely abandoned that.

Beyond that, there are lots of items I’d love to print for my own use at home without having to go to a print shop. In the past, I have enjoyed making paper craft items with my children, “print and play” board games and player aids, checklists, and many other things, and I often just don’t print them at all or wait until I have a bunch of small items and have them printed at a print shop.

Recently, however, our problems with the home printer kind of boiled over. One of our children needed to print something for school and it just looked terrible. We spent a bunch of time trying to get it right and eventually I just went to a 24 hour printing place and had it printed there. Since then, I’ve tried to get the printer up to snuff, but I’m now convinced it needs mechanical fixes that are beyond my know-how and probably far beyond the value of the printer.

At this point, we’re looking at options for what to do for a replacement printer at home. Should we have one at all? If so, what should we buy? What’s our budget?

Let’s start with the basics.

Our Use Case

As I mentioned above, the actual important things we do with the printer center around schoolwork for our children and occasional professional work for our wife. We also use it for occasional things like ticket printing or checklist printing. These are largely, but not exclusively, black and white items.

We have a number of secondary uses for the printer. We would use it for occasional photo printing if it did a reasonable job at this. I definitely have some hobby-related uses for a printer as well, but they’re mostly leisure-oriented.

My estimate of monthly printing is somewhere around 50 pages per month of actual important documents and probably another 50 pages per month of less important documents. The second number would probably inflate somewhat if we had a quality fast printer at home, as I could see us printing some documents for my wife’s classroom use, for example.

What About No Home Printer?

If we switched entirely away from home printing, we would be printing about 100 pages per month at a local print shop. The nearest print shop is about 10 miles from our home. We could easily “batch” most of our jobs so that we could print them all at once when visiting there, but there would likely be one or two last minute runs to the print shop in situations where our children needed a school paper printed or something like that.

Printing services in our area tend to range from about $0.13 per page for straight black and white printing to about $0.24 per page for color printing. If I go by our typical printing level of 100 pages per month and assume that 10 of them are color, that gives us a cost of $14.10 per month to just use a printing service for our documents.

This does not include the cost of having to drive there. If I assume that twice per month, we have to go there at the last minute to have something printed in a semi-emergency, this adds on about 40 miles of driving, which at a rough cost of $0.30 per mile for all costs related to that (fuel, maintenance, depreciation, parking, etc.), tacks on an additional $12 per month.

So, my estimate is that the annual cost for us using a print shop for our printing needs is about $320.

That seems expensive, but let’s actually look at the other options before making a decision.

Getting a Low-End Home Printer

One option is to simply buy a low-end home printer, like an ink jet of some kind. The breadth of options in sub-$100 printers is enormous. A model that has stood out a number of times in our research is the $50 Canon TS5120.

I’m assuming here that this printer would last for 5 years at our estimated printing rate of 200 pages per month. This would net us 12,000 pages printed, giving us a cost per printed page of about 0.5 cents per page.

Low-End Ink Costs

This is the painful part for a low-end inkjet printer. This uses the PG 240XL and 241XL black and white and color cartridges, which clocks in at $54 and prints about 400 pages each. This gives a default ink cost of about 7 cents per page.

If you try off-brand ink cartridges and refillable ink kits, you can get this down to about 4 cents per page but with a little less reliability. In my past experience, I’ve had about an 80-90% success rate with off-brand cartridges and refill kits, but the savings is enough to overcome the failures if you don’t need to print with extreme urgency and can wait for another cartridge if needed. So, with off-brand cartridges and kits, you can get this down to the 4.5 cents per page range.

Getting a Higher-End Home Printer

Another option is to get a higher-end home printer, like a color laser jet. Again, as with the low end printers, the breadth of options is enormous, but one model that has stood out in our recent surveying is the HP LaserJet M454dw, which rings in at $289.

Let’s assume that this printer would last us about 10 years at our estimated printing rate of about 200 pages per month. This would net us 24,000 pages printed, or about 1.2 cents per page.

Again, there are a lot of various models we could be looking at, but this is a model that has come up several times in our printer research and is one that we’d be looking at for our use.

Higher-End Ink Costs

The printer above comes with both a black and white and a color print cartridge, which is supposedly enough to print roughly 1,000 black and white pages and 1,000 color pages. My estimate of our printing needs is that we’d print about 200 pages per month, half black and white and half color. So, the default cartridges would carry us through the first ten months.

After that, we’d need new cartridges. The 414X cartridge that provides black and white printing for the printer clocks in at $170 (!) but is good for about 6,000 black and white pages, as I discovered in my secondary research. Similarly, a 414X color cartridge comes in at about $220 (!) and is good for about 5,000 color pages. In other words, $390 would net us about 11,000 printed pages, or about 3.5 cents per page for the cost of ink.

I’ve looked into off-brand options for laser cartridges and am not convinced by any of them. I’ve asked friends who work in office settings with extensive printing needs and they have largely shied away from laser alternative cartridges, stating that they tend not to work often enough to not be worth it.

Which Route?

I ran similar numbers with a few different printers and what I generally found is that if you’re printing a small number of pages per month – 100 or less – an ink jet printer will have a lower cost of printing per page, but as soon as you get up in the 200 pages per month range, the pendulum swings the other way and you’re better off getting a higher-end printer.

My tendency toward reliability and having to replace cartridges less frequently would lean me toward the higher-end printer at this point, even though the cost per page over years of printing (the estimated lifespans of the printers) is fairly equal. Another factor is that I’m almost positive that I would use the laser printer more for hobby projects than I would use the ink jet printer, though that’s very secondary.

Essentially, your choice is this: do you want to spend more up front for a printer and then have a lower cost per printed page for as long as you have it, or do you want to pay less for a printer up front and then have a higher cost per printed page after that? Over a small number of pages, the cheaper printer is the better deal; over a lot of pages, the better printer is the better deal.

Paper Costs

Another aspect of this puzzle is the cost of printer paper. If we decide to use the print shop, the cost of the paper is folded into those expenses. However, if we print at home, we’re buying our own paper.

There’s actually a surprising amount of difference in printer paper that many people may not notice when they’re buying a ream of paper for their home printer. A ream of paper at most stores will vary from about $3 to about $10 per 500 pages, or about half a cent to two cents per page. Most of the cheapest stuff is somewhat off-white with a hint of a dull gray to it and the texture is rough. The more expensive stuff, like HP Ultra White, for example, is very bright white with a smoother texture.

Does that matter? It depends on the purpose of the printing. If you’re printing things like checklists for home use or a child’s two page paper for school or a coloring sheet for a Sunday school class, it doesn’t really matter too much. If you’re printing a resume or something where color differences really matter, it can make a difference.

My estimate is that the paper cost for home printing is about one cent per page, varying as low as half a cent or up to two cents depending on your purpose.

What About Photo Printing?

Here’s the honest truth: if you’re printing a lot of photos and you really care about photo quality, you’re going to want to go to a photo lab. The type of equipment you’d want for really high quality home photo printing is outside the scale of this article.

However, if you just want some 4″ by 6″ prints for a photo album or a collage or for a simple school photo for an aunt to frame and put in her hallway, both an ink jet printer and a decent color laser printer will be up to the task, in my experience. You can definitely get prints that are roughly comparable in quality to what you might get from a pharmacy or department store photo printer. If you want a higher quality print than that, visit your local photo printing business that really focuses on high quality prints.

What you’re really looking at here is the cost of decent photo paper plus the cost of printing an additional page. With an ink jet printer, you’re going to want the cost of photo paper to be roughly five cents lower than the cost of a print at the photo lab, or with a laser printer, you’re going to want the cost to be about four cents lower. In my area, that means you’re aiming at 4″ by 6″ blanks at around the 12 to 13 cents apiece range, which can easily be found if you buy in a quantity of 100 sheets or more, but is much rarer in small quantities of 25 sheets.

My recommendation? Buy a small packet and see if the print quality is good enough for you. If it is, invest in a big packet that you’ll use for quite a while and print at home as needed. If not, just use a photo lab. I don’t believe a home printer is a good purchase just for printing photos, but if you already have a printer for other purposes and the quality is up to your needs, use it!

Our Final Judgment

In the end, what we’re really comparing is the cost of printing our 100 necessary pages a month at a local printer versus the 100 pages per month plus 100 less-necessary-but-still-useful pages per month on our home printer.

So, let’s do the math.

As I noted earlier, the cost for a year of printing at the local print shop is about $320.

If I buy a low end printer, I expect it to last 5 years, and the one above costs $50. Prorating that over five years gives an annual cost of $10 for the low end printer.

The ink cost for a low end printer is about 4.5 cents per page. Over 2,400 pages over the course of a year, that adds up to $108 in ink costs.

Also, 2,400 pages printed on good paper over the course of a year, at 2 cents per page for the paper, is $48.

Thus, my estimate of the annual cost of the low-end printer is $166. We’re better off, in my estimation, getting a low-end printer than using the print shop. Now, it’s worth noting that this could easily change in your situation. If we lived very close to a print shop, the cost of getting there would basically be eliminated, which would make them very close, and I’d lean toward the print shop.

Now, let’s compare the high end printer.

If I buy a higher end printer, I expect it to last 10 years, and the one above costs $300 (roughly). Thus, prorating that over 10 years gives an annual cost of $30.

The ink cost for a higher end printer is about 3.5 cents per page. Over 2,400 pages over the course of a year, that adds up to $84 in ink costs.

The paper cost would still be $48, as noted above.

Thus, my estimate of the annual cost of the high end printer is $162. That’s just a bit less than the annual cost of the cheap printer.

Here’s where I stand, in the end.

If I assume that our monthly printing will really be 200 pages or more for all the things we do, the higher end printer is going to likely be a more cost effective purchase, and it would become even more so if our printing is higher than that. If our printing is lower, then the cheap printer becomes the better deal. The more expensive printer is better constructed and much more likely to last longer, and the cartridges would go for much longer between replacements, which basically means I spend less time dealing with the printer, assuming that both printers are going to work with a reasonable degree of reliability.

Thus, we’ve decided on the higher end printer. If our home printing numbers were significantly lower, we’d get the lower end printer. However, with three kids at home printing school items, Sarah’s printing related to work, and other print jobs like tickets and checklists and so on, and with my own hobby uses on top of that, I think our printing volume is enough that we will get value out of the higher end printer.

So now what?

Since this isn’t an urgent need, we wait. We’ll spend time evaluating lower end laser printers for home use and seeing what models are frequently recommended to join the one we’re already looking at. Then, we patiently wait for a sale on the specific models we’re looking at and when we find a good sale on one of those printers (ideally, 50% off or with a free printer cartridge or something like that), we buy it then. Until then, we get by with our current printer for minor tasks and use the print shop for ones where any degree of print quality is needed. Based on previous electronic buying experience, we’ll wind up with a printer by the end of the year.

Final Thoughts

As I noted at the start, this article is more of a walkthrough of how we look at significant purchases. We try to find recommended reliable models to look at. We look at how much the add-ons (in this case, ink and paper) will cost us per year. We ask whether or not we’ll even use it or if there are other services or options that will work. Then, we come to a conclusion.

We’ll often do this with conversation and some research over the course of a few evenings, probably devoting half an hour together each time to coming to a conclusion. At that point, I’m usually left with the task of finding sales on a few specific models, and so I’ll start watching Amazon and a few other places for sales and then waiting patiently.

This process has led us to lots of great “bang for the buck” purchases over the years, and it’s also led us away from making some other purchases when we realized we didn’t really need the item or that there were services that could replace it for us.

Use this kind of thinking for all of your significant purchases, both ones with big up-front costs and ones with lots of upkeep costs (like printer ink and paper).

Good luck!

The post Figuring Out Next Steps with Our Home Printer appeared first on The Simple Dollar.



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So You’re Ready to Open a Bank Account? Here’s Exactly What You Need

Regardless of where you are in life, you will likely need to open a bank account at some point. 

But what do you need to open a bank account, exactly?

Whether you’re a total newbie or just haven’t opened one in a long time, the process of opening an account can be stressful. But it doesn’t have to be. Prepare yourself before you head to the bank, and the process will go much more smoothly.

What Do You Need to Open a Bank Account?

Usually, you can open an account online or in person at a local bank branch. If you go in person, make sure you collect all your documents ahead of time to avoid delays. (We’ll discuss what you need to bring later on.)

No matter how you open your bank account, you’ll need to fill out an application. This will include personal information like your name, address and Social Security number. If you’re applying online, you’ll need to enter your photo ID number so the bank can verify that you are who you claim to be.

How to Determine if You’re Eligible to Open a Bank Account

Each bank has different eligibility requirements, so it’s a good idea to do some research before choosing a bank. But all banks have certain eligibility requirements mandated by law.

First, you need to be at least 18 years old to open a bank account on your own. 

If you’re under 18, you may be able to open a joint account with a parent or legal guardian. You might also check with your bank to see if they offer accounts designed for minors. 

Opening a bank account at a young age can help you learn how to properly manage your money, making the transition to adulthood an easier one.

Many banks will look at your financial history before allowing you to open an account. So if you have a history of overdrafts or have had accounts closed by the bank before, you may be ineligible. Some banks will work with you even if you have a bad history, so it’s worth doing your research if this applies to you.

In some circumstances, banks will only allow you to open an account if you’re a U.S. citizen.

What to Bring When You Open a Bank Account

A woman uses the ATM machine.

Once you’ve chosen a financial institution where you want to open a checking or savings account, you’ll need to make sure you show up with the right documents to ensure a smooth process. Here’s what to bring.

Photo ID

When opening an account for the first time, you will need to bring some form of photo ID. The most common form is a state-issued driver’s license, but a passport will also work. 

If you don’t drive and don’t have a passport, you can get a state ID from your local Department of Motor Vehicles office. To get an ID, you’ll need to provide the DMV with your birth certificate and proof of address.

Social Security Card

You may need to show your Social Security card to open an account, so it’s a good idea to bring it along just in case. 

If you don’t have a Social Security number, you will need an Individual Taxpayer Identification number. You can get one by submitting Form W-7 to the IRS.

Proof of Address

You will need to bring some sort of proof of your address, such as a utility bill or mortgage statement. You can also provide a lease agreement that lists your address.

Deposits

Most banks require you to make an initial deposit when you open a new account, so make sure you ask what the minimum deposit is and have that amount of money with you when you go to open the account.

What Happens After You Apply for a Bank Account?

Once your application is complete, the bank will review it and check your history with bank accounts, if applicable.

If you’re approved for the account, you will receive the account number and routing number so you can begin using it immediately. This is when you will pay your initial deposit. 

If you’re opening the account in person, you can use cash, a check or an electronic transfer. If you’re opening the account online, you should be able to use all of the above options, with the exception of cash.

After a few days, you’ll receive a checkbook, deposit slips and a debit or ATM card in the mail. The card will include instructions on how to activate it, which you’ll typically do over the phone or online. Make sure you sign the card or it could be considered invalid.

Once you have your bank account details, you can set up a direct deposit for your regular monthly income, whether that’s a paycheck, retirement funds or other benefits. Direct deposits make it easy to access your money each month and avoid the extra step of having to cash a check.

Next, you can set up online access to your bank account. Make sure you choose a password that you’ll remember but that isn’t too easy to guess. Some banks have different login methods for additional security, so make sure you choose one that won’t be too hard for you to use to access your funds.

Opening a bank account, whether for the first or 50th time, can be daunting. But by making sure you have everything you need ahead of time, it can be quick and easy.

Catherine Hiles is a writer, mother, runner and avid reader. She enjoys cooking (and eating), good beer and spending time with her husband and two young children.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Can a 10-minute coffee break transform your finances?

Can a 10-minute coffee break transform your finances?

What if you could boost your finances for the long term in just the time it takes to have a cup of coffee

Adrian Lowcock Tue, 10/01/2019 - 11:33
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We are all pushed for time these days, and it's easy to see how things like our finances can fall by the wayside as we concentrate on more pressing things.

But what if you could boost your finances for the long term in just ten minutes? That's the same amount of time it takes to read the news, have a browse on Amazon, or have your mid-morning coffee (particularly relevant today on International Coffee Day).

The beverage is now a British obsession, with the UK consuming as a much as 95 million cups daily - or an average of two each per day, according to the British Coffee Association.

The next time you settle down to enjoy that coffee, why not also use those 10 minutes to take some small and easy steps to transform your finances?

With just some simple tweaks, you could hugely enhance your financial prospects, and it can be such a short space of time because ten minutes is often all it takes to make a practical change.

The steps to take to achieve this in just ten minutes can include lots of things, but below are three great ways to get started.

Start a budget

Get on top of your finances by keeping track on how you spend your money. Creating a budget can feel like hard work so break it down into bite-sized pieces.

The first step is identify your essential items e.g. utility bills, mortgage costs etc. and then tot these up. Subtracting these fixed expenses against monthly income gives an idea of your disposable income.

If you know how much you have spare, you’re less likely to overspend.

Set up a savings account

If you have not already done so, open a savings account and set up a regular direct debit to transfer a small amount of your income into it each month, ideally on the day you get paid. It does not have to be much, just what you can afford.

If you already have a savings account, then consider reviewing the interest rate you are getting and think about switching to a better rate. Do the research in your coffee break.

Think about Isas

Stocks and Shares Isas are a popular starting place for many investors and are good for those looking to grow their investments free of tax. Take 10 minutes to learn more about the benefits and suitability of Isas next time you sit down to enjoy your coffee.

Lots of people are put off from investing because they believe it is too complicated or time consuming, but you needn't be Warren Buffett to invest.

If you invested just £100 on 1 October every year in the MSCI AC World Index over the past decade you would have £1,995 today, research from Willis Owen shows. That's a return of 99% on your investment.

Multiplying this method into monthly amounts can seriously transform your future.

Managing your own investments needn't be a career either. Investing is about the long term so once you've set up your investments the most you will need to do is spend a little time checking in now and again to make sure everything is working as planned.

Indeed, this can be a far more effective way of investing than changing your portfolio all the time and is an approach the pros stand by.

When you go to get your Starbucks grande latte (or whatever your personal preference is), remember just what you can achieve for your future while you enjoy it.

Adrian Lowcock is head of personal investing at Willis Owen



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Housing market grinds to a halt amid Brexit uncertainty

Housing market grinds to a halt amid Brexit uncertainty

Experts warn that prices could drop as much as 5% in the event of a no-deal Brexit

Stephen Little Tue, 10/01/2019 - 10:27
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UK house price growth is at its lowest since January as buyers and sellers remain cautious amid Brexit uncertainty.

House prices rose just 0.2% in September, according to data from the Nationwide House Price Index, the tenth month in a row in which annual price growth has been below 1%.

On a monthly basis, house price growth fell by 0.2%, taking the average UK house price to £215,352.

Robert Gardner, Nationwide's chief economist, says: “Indicators of UK economic activity have been fairly volatile in recent quarters, but the underlying pace of growth appears to have slowed as a result of weaker global growth and an intensification of Brexit uncertainty.

“However, the slowdown has centred on business investment – household spending has been more resilient, supported by steady gains in employment and real earnings.

“The underlying pace of housing market activity has remained broadly stable, with the number of mortgages approved for house purchase continuing within the fairly narrow range prevailing over the past two years.

"Healthy labour market conditions and low borrowing costs appear to be offsetting the drag from the uncertain economic outlook.”

London hardest hit

Northern Ireland was the strongest performing region with annual price growth of 3.4%. It was followed by Wales with 2.9% growth and the North West where prices rose by 2.5%.

The largest price falls were in London and its surrounding area, where prices dropped 1.7%.

House price growth across northern England slowed to 1.4%, but remained ahead of that in the south, which experienced a 0.8% fall.

Mr Gardner says: “These trends are not entirely unexpected, however, as affordability is still more stretched in the south, with prices further above their pre-financial crisis levels, as shown below.”

Brexit

The UK housing market was hit hard following the EU referendum, with prices falling in some regions such as London and the South East.

Prime Minister Boris Johnson insists Britain will leave the EU on 31 October, even if a deal has not been struck with the EU. However, Parliament has passed a law blocking the UK leaving the EU without a deal.

Howard Archer, chief economic adviser to the EY Item group, warns that if the UK leaves the EU without a deal on 31 October house prices could quickly drop by around 5%.

However he adds: “Should the UK leave the EU with a deal at the end of October – or early in 2020 – we believe reduced uncertainty and gradually improving economic activity as the year progresses could see house prices rise by around 2% over 2020.

“Housing market activity – and possibly to a lesser extent prices - could be given a lift in 2020 if the government cuts Stamp Duty significantly in the Budget later this year.”   



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50 ways to make money

50 ways to make money Stephen Little Tue, 10/01/2019 - 00:48
First published on 29 September 2014


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State pension increase for retirees forecast well ahead of inflation

State pension increase for retirees forecast well ahead of inflation

An inflation-busting 4% state pension uplift is forecast for April 2020 under the ‘triple lock’ system

Faith Glasgow Tue, 10/01/2019 - 08:16
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Pensioners are set to see a 4% increase in the state pension in October, more than double the current inflation rate of 1.7%.

Under the “triple lock” rules for state pension increases, the state payout will rise by whichever is the highest of consumer price inflation (year to September), earnings growth (year to July), or 2.5%.

The increase will be confirmed when the CPI figures for September are released in mid-October, but the most recent CPI figure (for August) is 1.7%, down from 2.1% at the end of July and seems very unlikely to leap beyond 4%.

If the forecast 4% rate is used, pensioners will enjoy their biggest uplift since April 2012, when it rose by 5.2% on the back of earnings growth. Since then, the annual increase has been in the 2-3% range.

Since the triple lock was introduced in 2011, state pensions have outstripped both prices and earnings.

Insurer Aegon has calculated that a single person receiving the old basic state pension – £97.65 back in April 2010 – is now receiving £129.20, an increase of 32%, while prices have increased by 24% and average earnings by only 20%.

That sum will rise to £134.35 from April 2020, assuming the 4% rise takes effect. Those who reached state pension age after April 2016 and therefore receive the new state pension will see their income rise from £168.60 to £175.35.

However, the triple lock is an expensive arrangement for the government and there is no guarantee that it will continue beyond 2022.

Government figures indicate that if the triple lock continues indefinitely, pension spending is set to rise by £35 billion over 40 years from 2020-21. Without it, or under just earnings indexation, the increase will be only £21 billion.

Steven Cameron, pensions director at Aegon, comments: “Based on the latest earnings growth figures, it looks like state pensioners can look forward to an inflation-busting 4% increase in their state pension from next April.

“However, these inflation-busting increases do come at a significant cost. The state pension is not funded in advance so pensions are funded on a ‘pay as you go’ basis from today’s workers’ national insurance contributions.

"With the prospect of an early general election, it will be interesting to see where each party stands on commitments to retaining the triple lock for the next five years.”

This article first appeared on our sister website Money Observer



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