15 Ways to Celebrate Good Times in Tight Times

pay equity

This is another scenario where your Realtor’s advice and guidance can be invaluable. Just remember – if another bidder offers more than $300,000, you’re most likely out of the running. While a letter to the seller isn’t likely to beat out a higher offer or one that has fewer contingencies, it could give you a strategic advantage over someone with a similar bid. So, take stock of the features that appeal to you when you’re touring the home and include them in your letter. Or ask each of your family members to include a heartfelt message on what the home would mean to them and their future. Get pre-approved and provide proof with your offer.

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Crime forces Malawi to revisit boarder security.

Posted: Sun, 18 Oct 2015 07:00:00 GMT [source]

It means your lender has reviewed your xero pricing, features, reviews & comparison of alternativess and is providing a guarantee that it will give you a home loan up to a specified price . Once you find a home that checks all your boxes, you may want to put down earnest money as a show of good faith. Spend some time coming up with a realistic savings goal. The goal is to build the habit of saving money every month, so if all you can do is $100, then start there. Unfortunately, you can’t just set up a budget and forget about it. You have to continue to track your spending daily and catch yourself when you’re getting off track.

Create A Budget

An easy test you can do to tell if your gloves are too tight is to make a fist. If you can clench your fist all the way shut, then your gloves aren’t too tight. If your fingers press against the tips of the gloves with a fully clenched fist, that is fine.

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First, set up a dedicated amount to automatically be transferred to your savings account. For instance, $50 a week or 10% of your paycheck. In conversation with the dean of faculty, Leslie hatched a plan and sought input from the core leadership team. What if four “graduates” from the first iteration who had already taught online in May returned to serve as course coordinators for four more sections in June? They would join and expand the core leadership team to eight and would take responsibility for daily interactions with participants.

Make every customer feel special

The impact of a tight US labor market manifests in many ways. While the market’s impact on equal pay claims is more subtle than its impact on employee compensation, that impact should be noted by employment lawyers and their clients. But in the current labor market, employees may feel quite confident about their ability to find a new job, and they may be emboldened to litigate pay equity claims. They expect the same from businesses they work with. If a lead comes in through a lead site or a form on your website, it is critical that you reach out to them immediately using the technology they prefer.


On the other https://bookkeeping-reviews.com/, our standing posture often gets overlooked. If you’re someone who’s hips come forward and glutes tuck under when you stand , you may be constantly lengthening those hip flexors. At the same time, you’re also tightening your glutes, and not in the good way 😉.

Home Maintenance Tips for Winter

With this proactive approach to money management, you can take the expenses that you cut and put them into a savings account or emergency fund. Saving money doesn’t have to mean cutting out an entire spending category, such as entertainment or restaurants. Aim to carve out additional savings by reducing spending, even just a little bit, from every category. Getting a tax refund each year may feel like found money, but the truth is you’re overpaying the amount you owe in state or federal taxes.

Set the alerts for your preferred destinations and dates so you’ll receive an email or push notifications whenever prices go down or up — ensuring that you receive the best deals. This is just one more step you can take to make you more attractive to sellers. With a firm commitment in hand, you won’t need to include a financing contingency . As you can imagine, offers with fewer contingencies are very popular with sellers. In essence, the reverse contingency gives them a period of time to try to find a new home before they are legally bound to sell their home. Their goal is to buy time but to get the buyers (you!), and your offer, under contract while they look.

I’ve had my own turn with too tight boots in my day. And the investigative research I did led me to discover the best way to stretch new boots. That’s how I found out there are so many options! Honestly, some of the DIY ways are absolutely wild. These methods listed here, on shoe-tease.com, will work with too tight boots that are both short and tall. No one wants a pair of too-tight boots (or any kind of tight shoes, for that matter!).

Maybe you have been doing too many overhead activities such as swimming or playing tennis. You might have carried heavy objects or been sitting in one position for a long period of time. We’ll show you ways to loosen up tight hamstrings, plus provide tips for preventing hamstring tightness and improving flexibility. This move is the standing version of the seated figure-four stretch. It’s an effective way of relieving tightness in your glutes, hips, and back. This simple stretch helps relieve tightness in your glutes, hips, and back.


The mother of three sons, she has heard many a good story, and specializes in creating content that educates, communicates our core values and promotes genuine relationships with our customers. But it could pay off in a highly competitive market and if you’re up against cash buyers. Obviously, this is not an effective strategy for growing your savings. Here are three ways you can make sure that you’re saving your money and not touching it. On the other hand, stocks are often volatile in an economic slowdown and often require a more long-term growth strategy.

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If you’re having a hard time creating a budget and saving money, start by tracking all of your spending. Try keeping a spending journal to track your spending and the emotional triggers you are having when you do spend money. Make sure you are on track to meet your savings and spending goals. Think of ways you can eliminate that extra spending. Regularly reviewing your budget is important when you are tight on money.

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Being attune to the seller’s needs, and responding accordingly, can often mean more to them than having the extra cash in their pocket. For example, maybe your competition outbids you by a couple of thousand dollars, but you have the flexibility to give the seller the extra time they need to close and move out. Or, on the flip side, maybe the home is vacant, and the seller is anxious to get someone in the home, and you offer to close in a shorter timeframe.

It costs a lot less to retain a disgruntled or inactive customer than to acquire a new one. Send a personalized e-mail , inquiring whether all is well. For a customer who suffered a bad experience, pick up the phone, acknowledging the unpleasantness and ask if there’s anything you can do. You can quickly create your own signage, glossy postcards with your contact information, product news inserts or a web site for a special event—even if you are not a software pro.

Here are 3 quick questions to ask yourself (and yes, we’ll then walk you through 3+ ways to answer them). After seeing the all-too-familiar dynamic of increased competition for the same pool of accounts without increased budget — we need a new way of looking at those dotted lines and spreadsheets. It’s time to close those tabs, get back to the basics, and refresh your approach. Despite having had no previous online or distance learning offerings, the approval was granted largely on the basis of documentation of our work. They had learned, that they had gained a greater understanding of how online teaching could be done well, and that they valued having learned with others. They highlighted “presence” together with designing for “belongingness,” for transparency, and for accessibility.

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South Circle :: Anotha Day Anotha Balla – RapReviews.

Posted: Tue, 03 Nov 2009 08:00:00 GMT [source]

She said women would undo the yarn from old sweaters and things and knit brand new things from the old yarn. You never know what you’ll find in the discount bins. Make it a habit to check them whenever you’re at a store that has one.

While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Once you feel good about your monthly budget, you can focus on increasing your savings. It’s always a good idea to set up your savings account at a different bank.