A Helping Hand from the Agency

I was having a bit of trouble finding financial services jobs in Bristol until I used a recruitment agency. When I was doing it all on my own, I was simply replying to any listing that I could find and hoped for the best. Each time I was met with nothing but rejection and often I never even got a response. The whole experience was crushing for my soul because I always thought I had pretty good credentials that any employer would be happy to see, but not being able to get a job made me feel as if I was nothing.

The recruitment agency changed all of that. Once I gave them my information, they worked pretty quickly to get me in contact with some companies that were willing to hire me. Continue reading

Tips And Tricks For Getting And Keeping Credit Cards

Credit cards can help you to manage your finances, as long as you use them appropriately. However, it can be devastating to your financial management if you misuse them. For this reason, you may have shied away from getting a credit card in the first place. However, you don’t need to do this, you just need to learn how to use credit cards properly. Read on for some tips to help you with your credit card use.

Shop different credit cards before applying to find out the perks each offers. Some offer roadside assistance, while others offer airline perks, like free baggage check. Some will also offer buyer protections, above and beyond what a store offers. Depending on your buying habits, one credit card may offer perks that fit you best.

Do not use your credit cards to make emergency purchases. Many people believe that this is the best use of credit cards, but the best use is actually for things that you purchase on a regular basis, like groceries. The key is, to only charge things that you will be able to pay back in a timely manner.

Pick one credit card with the best rewards program, and designate it to regular use. This card can be used to pay for gas, groceries, dining out, and shopping. Be sure to pay it off each month. Designate another card for charges like, vacations for the family to be sure you do not overdo it on the other card.

If you are to lose your job, or fall behind on payments, you are going to want to know ahead of time what your options are. Credit card companies do like to give you this information up front, but it is up to you to take it into consideration. Therefore, think ahead, and pay attention to these details as well.

When you are unable to pay off one of your credit cards, then the best policy is to contact the credit card company. Letting it just go to collections is bad for your credit score. You will find that most companies will let you pay it off in smaller amounts, as long as you don’t keep avoiding them.

Keep the total number of credit cards you use to an absolute minimum. Carrying balances on multiple credit cards can complicate your life needlessly. Shift your debt onto the card with the lowest interest. You will be able to keep better track of your debts and pay them off faster if you stick with a single credit card.

Stay away from pre-approved offers from credit card companies. Remember, it is not the credit card companies responsibility to find the best card for you, it is their job to sign up as many people as possible. Using whatever marketing techniques they can. The pre-approved offers sound tempting, but they tend to include extremely high interest rates.

Before you pick a credit card be sure that it accepted at most businesses in your area. There are only a few credit card companies that are accepted nationwide, so be sure you know which ones these are if you plan to purchase things around the country. Also, if you plan to travel abroad, be sure you have a card that is accepted where you might travel as well.

Never give your credit card information out over the phone. Many dishonest people use this ploy to get credit card information from unsuspecting people. You should give your number only if you call a trusted company first to pay for something. If a random company calls you first, don’t share your numbers. There is simply no way you can safely verify the identity of an unsolicited caller.

You should now understand that you don’t need to fear credit cards. Using a credit card wisely can help raise your credit score, so there’s no need to stay away from them entirely. Keep the information you learned here in mind so you can utilize them to better your situation.

Shooting Clay Pigeons is a Lot of Fun

My husband was so excited when he handed me my birthday gift this past summer. I had no idea what it was because he usually gets me a nice piece of jewelry. I knew there was no way a necklace or ring was in the envelope he handed me, so I was a bit curious. Okay, I was a lot curious. Never in my wildest dreams would I have imagined that there would be a certificate for clay pigeon shooting lessons inside. I thought perhaps tickets to a theater show, or even for a cruise, though that last one was wishful thinking.

Like I said, I would never have guessed it was to get lessons on how to shoot clay pigeons. Continue reading

My Daughter Asked Me to Quit

I had heard of the different flavors of tobacco liquid, and they did sound interesting and tasteful. However, that was not enough for me to want to go out and switch from my cigarettes to vaping. I did end up doing that though because my daughter asked me to quit the stinky sticks. That is what she had been calling my cigarettes for a while, but when she came to me in tears about the danger of them, I knew I was done. My doctor couldn’t get me to quit, and my wife tried many times too. It was a little girl crying over growing up without her daddy that did it. Continue reading

Making Outdoor Use Products and Reducing Waste

When I started into manufacturing products I would invent I was greatly into waste reduction and recycling even when I only had two machines in my garage that comprised my entire production facility. I would reuse and recycle everything I possibly could. I wanted to be a sustainable venture from the beginning. Since my products were designed to be used by outdoor enthusiasts, it was a practical necessity to reduce, reuse, repurpose and recycle as much as I could even if I had not been personally interested in the lifestyle. However, it is something I am interested in. I even looked into green providers for the energy I used.

Part of the polymers I use in the product would be waste after molding due to a structural integrity issue of remelting it and incorporating the trimmed pieces back into the products. Continue reading

Making an Office Space Feel Like Home Makes Us All Feel Better About the Work

I came up with a business idea. Well, actually I came up with an idea for an app that we could build on to develop a sustainable business. I could write the code for the app, but all of the rest of the stuff was new for me. I needed people to spread out all the work involved, and we needed an office where we could be together to work together as a team. Comparatively, I knew as little about office interior solutions as I did a lot about programming. However, I was able to put together a very nice interior space in a loft I rented for our office.

The building is old on the outside, but we have it nice on the inside. I made the office open and comfortable like a home. Continue reading

Gun Shooting As a Hobby

When my husband decided to try clay shooting as a hobby, I was not sure what to think of it. I knew nothing about guns, nor did I really want to. That all changed when he had me come with him and some friends when they did some shooting, and I went from not being interested at all to being so fascinated that I wanted to go with him to the gun shop in Bristol where he was going to look for his own shotgun. I had never been in a gun shop before, as I just had no interest prior to this, so that was a real eye opener to me too.

The first thing that caught my attention was how classy everything looked. I was so surprised by this, because I just had a different image in my mind, mostly because of the films we had seen that don’t always portray gun shops in the best light. Continue reading

Getting Ready for Bathing Suit Season

I was sick for nearly three weeks this past winter, so I knew I had my work cut out for me as soon as spring time hit. I wanted to lose a few pounds so I could look good in my bathing suit, and I had no time to spare. It actually did not take me long to lose what I needed, which gave me time to think about waxing in Bristol. I had never had this done before, but I really liked the sounds of having it done one time and not having to worry about it after that.

That was one thing I really hate about bathing suit season. Guys have it easy because they can just slip on a pair of trunks and some flip flops and be done with it. Continue reading

Buying a Surveillance System for My Daughter

When my daughter told me that she wanted to move out on her own, one of my biggest concerns was her safety and security. I wanted to make sure that I could ensure her personal safety even if I wasn’t able to be there with her all the time. I decided the best way to achieve this peace of mind would be to look into buying and installing an IP camera system in her home. This way, we would be able to monitor in and around her home at all times, without physically being there with here. I went to work researching the best options and coming up with a solution that would satisfy all parties involved.

The website I used for most of my research was a great resource for me. I was able to learn about the different options available, and exactly how these types of cameras work. Continue reading

We Started out with One Horse!

Over the last year since we bought a horse, we have purchased the land we keep it on instead of continuing to lease it, and we have remodeled the barn the horse stays in to upgrade the stables. And, of course, how can a horse be expected to live alone? We bought three other horses for company. Since we had the space, we added some chickens, and it was just natural that we kind of adopted a couple of stray farm cats who hang around. We added an outdoor shelter for the horses and we bought horse rugs (horse blankets) for all of them.

The additional shelter is just an open front shed they can go into when the weather turns bad while they are grazing. Its open end faces east, and that is the direction the wind blows the least from. Continue reading

Doing Everything on My Own Did Not Seem Like the Right Answer

Years ago, I remember seeing many websites that offer pre-made, generic website templates that anyone could use. There was no cost, as long as you could stomach some ads place on your page in return for their use. All you had to do was replace their text and their graphics with your own. So I went looking for this type of site recently, but they did not look very professional or very nice. So, I knew that I would need to work with someone on ecommerce website design for me. I need a something that look professional, not something that looks like I put it together myself with no experience at all. I need the ability to impress customers, not push them away to one of our competitors.

I began asking around for references from other people to see who they used for their own company websites. I received a nice number of businesses to contact by doing that. However, I thought it was also important to go take a look at the web page design of every company that had been pointed out to me. That really helped whittle down the number of companies to check into. After that, all I had to do was to visit the websites of the companies in question to look carefully through their portfolios as a final step in my research.

I noticed rather quickly that the design work of two particular companies really spoke to me. Rather than spend time calling anyone else, I chose to focus on these two businesses. My choice would come down to what the price quotes would be, and whatever they told me over the phone. After about 20 minutes of asking questions of each company over the telephone, I picked the company who would make my website.