Getting Out of Debt Can Improve Your Relationships

How would you feel if you suddenly found out your partner owed thousands of dollars in debt? This can be a big source of disagreements in relationships. One partner’s debt can stand in the way of another’s financial goals. Sometimes spending can come under the scrutiny of the wealthier partner, while the indebted one may have unreasonable expectations regarding their partner’s assistance.

One survey discovered that 46 percent of people consider high credit card debt to be a romantic deal-breaker and wouldn’t go on a second date with someone who had it. Learning about a partner’s high debt and dire financial straits later on in the relationship can be even worse.

Credit can easily get in the way of a happy, healthy relationship, even for partners who go in with eyes open.

Finances Cause Too Many Arguments

Money is one of the leading causes of arguments in marriages and long-term partnerships. There are all kinds of money issues that can get in the way of a happy relationship. Some of the most common include:

Sharing Finances: The decision to share or split bank accounts as a couple can be a divisive one. One partner may be reluctant to share finances due to another’s high debt load, or resentment can build up over individual purchases when bills are shared.

Power Plays: Common in situations where one partner earns significantly more than another (or the other is unemployed), this is where the higher-earning individual wants to dictate spending.

Debt: When one partner has a high debt load, the other can feel like it’s holding them back from their own financial dreams. It opens up judgement about spending habits and can lead to all kinds of disagreements.

There are countless other disputes that arise from money issues. If you’ve found debt getting in the way of your relationships or preventing you from finding a romantic partner, it’s time to take control of your finances and put your debt behind you.

What Does It Take to Get Out of Debt?

There are many paths out of debt. You need help finding out which one is best for you. Start by getting in touch with a certified Credit Counsellor at a non profit credit counselling agency. You can get a free consultation that’s confidential and non-judgemental. A professional looks over your finances with you during  a free appointment and tells you how you can reduce your monthly payments, stop collection calls, and ultimately eliminate your debt for good. Head over to Creditcanada.com to learn more about what this free consultation will look like.

Your Options for Debt Freedom

1. Debt Consolidation Program

A simple DCP takes care of your unsecured debt. This includes credit cards, lines of credit, payday loans – anything that’s not attached to an asset like a car or a house. The program wraps all of your debts to various creditors into a single monthly payment. If you’re forgetful or disorganized, you can often wind up simply forgetting to pay a bill, especially when you’re already coping with financial stress. A DCP is an effective way to address that problem.

As part of a Debt Consolidation Program, a certified Credit Counsellor speaks with your creditors on your behalf, including banks, credit card companies, payday lenders, etc. They negotiate reduced interest rates (even as low as zero percent), lower monthly payments, and put a stop to collection calls. With lower interest rates, more of your money goes toward paying down the principal, getting you debt-free faster.

Once they’ve negotiated with each of your creditors and they accept their proposal, you send a single monthly payment that is then automatically distributed to all your creditors on the program          .

In addition to reducing your monthly payments, your Credit Counsellor will also work with you on creating a personal monthly budget. The goal will be to make sure you can keep up with your debt payments while also managing your daily expenses (i.e., groceries, transit, etc.) by tracking and controlling spending and setting clear financial goals.

2. Debt Consolidation Loans

This is a low-interest loan you can take from a bank or another top-tier lender to pay off your credit cards and other unsecured debts. Then you can make one simple monthly payment at a lower interest rate. There are a couple of downsides to these loans, however.

First, they’re not easy to qualify for. You’ll need a decent credit score to get access to better interest rates, but not many people looking for these types of loans have good credit. Worse still, even applying for new credit can hurt your score, so don’t rush out to apply for multiple loans at once.

Second, they can even make the problem worse. You’re transferring your debts to a new account, meaning all of your credit cards will have room on them again. It can be tempting to rely on them when money is tight, potentially doubling the problem.

3. Budgeting

Budgeting is the way to do it yourself. You trim your expenses, you add income, and you tightly control your spending. If you manage to make every payment on time, your credit score will also begin to recover.

The downside to budgeting and paying everything without help is that it’s more expensive. High interest rates bite into your purchasing power and keep the debts going longer than they might if you sought some kind of help.

4. Bankruptcy

A last resort, bankruptcy eliminates your unsecured debts but you may have to surrender assets and pay a percentage of your income to creditors for a period of time. Bankruptcy also comes with a big hit to your credit score, which can delay plans like buying a house and put a significant strain on your relationship.

Financial Health Means Healthier Relationships

The irony of relationships is that financial opposites attract. Often, born savers are drawn to born spenders, which can lead to trust issues, opposing desires, and frequent disagreements. But it’s never too late to change. If you find yourself arguing with your partner about money, or high debt is keeping you from starting a long-term romantic relationship, getting out of debt will be an enormous relief.

· by · 0
5 Fastest Growing Cryptocurrency to Look Out In 2024

Advanced technology has definitely changed the way we live. People would rather spend more time at home and enjoy some incredible online activities such as playing games, watching movies, listening to music, etc. However, the digital world is also a perfect place for those people that want to improve their financial stability. That is probably one of the main reasons why cryptocurrencies are becoming more and more popular every day. 

It is not a secret that almost every crypto that exists in the world has a turbulent past as well. Those ups and downs scare people and they are not sure whether their investment will pay off in the end. That is the reason why the improvement of knowledge and trading skills is mandatory. 

The first step you have to make is to research all the cryptocurrencies that have the potential to grow in the future. That is the reason why we prepared a list of them that deserve your attention. All the digital currencies below are the fastest-growing during this year, and we all hope the same trend will continue next year as well. Let’s find them out together! 

Bitcoin

All the articles in the world that are related to crypto will mention Bitcoin for some reason. It is the strongest and most popular digital currencies in all parts of the world. You probably all remember the beginning of the year when Bitcoin value broke many records. However, after a period of success, the price started to fall. Different factors influence that scenario, but it seems that things are getting back to normal. 

You can check out cryptobenelux.com after reading this article and actively follow the value of one BTC. However, something worth mentioning is that Bitcoin is not going to be for everyone. You will need to have a certain amount of money (that is not small) to buy at least one crypto. Despite that, you need to boost your experience and try to figure out the best moment to buy and sell your BTCs. This is going to be a long path and following the changes actively is one of the ways to understand how everything around BTC functions. 

Ethereum

Bitcoin is far away from other cryptos, and it is the best option for those people that can afford to spend a bit more money. In case you are not one of them, then Ethereum may be a perfect alternative. Many crypto traders will tell you that Ethereum is the second-largest and most popular crypto in the world. Just like all other currencies, this one experienced many ups and downs in history. However, once again, it seems that things are getting back to normal. 

While you are reading this article, the price of one Ether is nearly 3300 dollars. Only one month ago, the price of one coin was around 1800. As you see, things in this world are changing fast. Even better news for you is the fact that this crypto is affordable. You won’t have to spend a fortune when investing. Doesn’t this seem like a good alternative? 

Ripple

Around a month ago, the price of one Ripple was 0.993 dollars. Unfortunately, this crypto experienced a negative trend and the price went down to 0.84. Fortunately, by the end of the previous months, Ripple has managed to survive and improve its value. While you are reading this article, the price of one ripple is 1.29 dollars. This may not seem like a big difference, but for those people that purchased a lot of digital coins, this was a significant income. 

We do not know whether the same trend will continue by the end of the year. However, rumors and mainstream media often say that cryptos will experience popularity and value growth continuously by the end of this year. We do not recommend you believe in this information completely, but it is a good sign that something will change. 

Ripple, on the other hand, is one of the most affordable fastest-growing cryptos in the world. For only $1000, you can buy a lot of coins. If the trend continues, you will manage to earn a lot. However, don’t allow emotions to break you. Instead of that, follow the trends, read the latest news, and ensure that the investment you make will pay off in the end. Everything we just said should only serve as a source of motivation that will convince you to research this world even better. 

VTHO

For those that do not know, the full name of this crypto is VeThor Token. This crypto hasn’t reached the popularity level as some others on this list. When you look closer, this doesn’t need to surprise us as the market dominance of this crypto is only 0,03%. However, it can be a perfect option for beginners that want to test their knowledge and skills without spending a lot of money. 

The current price of one token is 0.014525 dollars. Yet, something that will probably amaze you even more is the value growth in the last 24 hours. Believe it or not, it went up to 13.33%, and we will see whether this will change in the next couple of days. Generally, don’t rush, the price of this crypto is not going to be too big soon, but will definitely experience some popularity growth soon. 

Polygon

Polygon is similar to Ethereum, but it has certain advantages over this crypto related to the way of functioning. That is the reason why many cryptocurrency lovers have decided to invest in this crypto and hope its price will grow in the future. Generally, it is important to mention that this is the digital currency with the highest growth potential of all. That is the reason why we left it for the end of this article. 

Just like any other crypto, Polygon went through some fluctuations during May and June. The price of this crypto was 0.9567 at the end of June. However, it suddenly jumped to 1.18 during July. While you are reading this article, the price of Polygon is 1.52 dollars. You probably understand now why we said it is one of the most perspective cryptos that you can find today. It is up to you whether you will research it and invest your money in it. 

· by · 0
9 Must-Know Tips when Hiring a Remodeling Contractor

If you are thinking about changing the appearance of your home or doing some significant remodeling, the first thing that you have to do is to hire a contractor. Sure, some tasks might seem fairly easy, like something that you can do on your own, but keep in mind that turning this into a DIY project is usually not the right choice, since you can end up doing more harm than damage. You can also check these tips provided by kitchensacremento.com, and maybe you will find them suitable for your needs.

Taking into consideration how important this job is for you and the fact that you will have to collaborate with this person for weeks or even months, it is of crucial importance to make the right choice. After all, if you go with some who doesn’t understand your vision, almost surely you won’t get what you want. In this article, we are going to give you some basic tips on how to choose the right contractor for your property. Since we will discuss some basic things, you can click here to learn more tips from professionals.

Find potential partners

The very first thing that you have to do is to locate a couple of potential contractors. You can do this by conducting an online search or asking friends or neighbors for recommendations. If you don’t have anyone specific in mind, our advice is to make a list of few companies from your area and investigate each of them further until you decide which one is the best for you.

Check if they are licensed

You might not be aware of this, but each contractor must possess the license for home development projects. They are required by law to have one. Naturally, the first thing that you can do is to ask the contractor to show you this document. Also, this is something that they usually display on their official website.

If you want to go one step further, you can make this investigation online. Don’t forget to check if their license is up-to-date, and also if there have been any complaints about their work. This is an important decision, so you have to cover all the bases.

Inquire if they have insurance

Before you hire a contractor, you have to ensure that they have insurance for their workers. Why? Well, if something happens to them while working on your property, you might be liable. The same thing applies if the workers cause any kind of damage to your neighbors’ properties. This requirement will protect you from lawsuits and any additional costs.

Go with the one that specializes in that type of renovation

This is another thing that most people don’t know, but usually, contractors specialize is a certain type of project. Oftentimes, people think that they can conclude any task they are present with, but this is not true. Most contractors do extensive research and oftentimes take classes to learn as much as they can about specific projects i.e. become experts in the field.

Why is this important? Well, going with the professionals that have mastered a certain type of renovations will not only ensure that they will do an excellent job, but they will also be able to predict possible issues. As you know, remodeling can be a lengthy process that sometimes can be slowed by different kinds of problems. If you opt for a contractor who knows what they are doing, they will be able to prevent any of the issues from occurring.

Investigate their work

This is another thing that you can do that will help you decide if they are the right company for you. Even if the company has glowing references, you might not find their work to be great. In order to be sure that you are making the right choice, you should ask them to seem some samples. Plus, these can spark your inspiration so you can improve the overall design of your property. Besides, by investigating these, you will have the opportunity to learn about the quality of their work, which is one of the most important things.

Present them with a plan

Upon investigating their work, it is time to present them with the blueprints and introduce them to the work they will be doing on your property. Understandably, they have to be familiar with every little detail that you want them to create, and this is also the only way to learn if they can do everything you want them to. Naturally, as already mentioned, you should go with experts because they can tell you if some of your ideas a plausible or not.

Besides, they need to provide you with an estimate. They cannot tell you about the cost of the project if they do not all the details, right?

Don’t let the budget affect your decision

We understand that this one is easier said than done, but it is true. Yes, remodeling your home is an expensive project and surely you have determined how much money you are willing to spend. But you shouldn’t try to stay within that price range no matter what. Sometimes investing some additional funds might be a good thing. After all, you want to get high-quality materials, and of course, top-notch service.

Learn about your responsibilities

When it comes to these, they are usually some essential ones. Depending on the type of remodeling, you might have to remove all the furniture from a certain room, or on the other hand, move out completely for a few weeks.

Some contractors might require you to do this or they might suggest hiring a moving company because they do not want to risk damaging any of your stuff. If you are presented with the latter option, you have to understand that it includes some extra fees that you have to pay, so you might want to consider moving everything on your own.

Sign the contract

Once you have been through all these steps and are positive that you have found the right company for you, the last thing that you have to do is to draw up the contract. Some of the most important points in it should be the overall cost as well as the cost of every item, the contractor’s license number, information about all the parties that are included, detailed description of the project, specific time frames, and an agreement on how to handle additional expenses if they occur.

If one of these points is missing, it should be a red alarm, and you might want to think about hiring someone else.

· by · 0
The Secret to Buying and Selling Houses

To buy and sell houses at the same time can be a very tricky thing to do. If you are very wealthy and have the funds to buy a house without needing money to sell yours first, then there are no problems. But not everyone is born equal. Buying and selling at the same time is problematic not because of logistics and coordination, it is also difficult because someone is taking a risk, and that someone is the person selling you the house.

Buying in a Seller’s Market

A seller’s market is exactly what the term means. In a seller’s market, inventory is low because there are fewer homes being sold. Fewer homes mean fewer options and that means that there are not enough homes for every buyer to buy. This is a bad thing because you might not find a house that suits you and your needs.

When buying and selling houses in a seller’s market, it is very common to compete with other buyers on the same house. If everyone meets the asking offer, the seller will most likely rank the buyers according to desirability. And if you are a buyer who also sells, and you haven’t sold your house first to fund buying the new, you will be most likely ranked last. In the case that you have sold your house before that, you still are fighting an uphill battle if the money is in escrow waiting to close. Because at that point, your house is not on the market at all, and that makes the seller think you are not serious enough, ending with still being at dead last.

Buying a home first

Buying your new house first before selling the old one can be a very tricky thing. In order to qualify for owning two homes, it’s preferred to show the seller that you have payment for both homes for 6 months in the bank. You will also need funds for a down payment and all the closing costs. You can borrow money, or tap a savings account to be at little risk for repayment. This applies only if you are in a seller’s market because you still need to sell your house.

Renting Back After Selling First

There is an option in a seller’s market that you can ask your buyer to let you rent back the house for 30 to 60 days after closing. If you haven’t found a house first but is eager to sell, then this option would be perfect. You have time to find the perfect home and also face rejections a few times. You don’t have any money problems because your house is already sold.

No Contingency to Sell

A contingency to sell is a contract that the seller accepts the buyers offer to purchase their home, but they agree that the purchase is conditional upon the sale of the buyers existing home. With this you  (the buyer) set a date with a seller, and agree that you will sell your existing house by that date, it not then you get your earnest money back, and the deal is off.

Selling First, Buying Second

This is probably the least stressful option because you will know exactly how much money you have from selling the home. The only negative side is that you will need to move out of your house when the deal closes and probably would need to rent a new place or move back home while you buy a new house. To speed up the process, you should consider hiring professionals like These Guys Buy that will help you out with quick sales.

You are probably wondering how to sell your house fast so that you can proceed with the purchase of a new home. Even though the professionals will take care of everything you still want to take your time with the sale and make sure you have everything ready.

If you find a seller who is willing to take a contingent offer and wait for your hose to sell, then choose that option because it the best option you have, but in a seller’s market, we doubt that could happen.

· by · 0
Linking News – White Label (Private Label) Press Release Distribution Service

Press release distribution services are based on anonymity and promotion of brand names in order to create the best brand awareness for your company as well as traffic generation for your press releases. Finding the best press release distribution service that takes this vital aspect of PR and Marketing into their consideration and functions accordingly has been made easier with the availability of Linking News.

Linking News is creating major ripples in the field of press release distribution service. They have been in this field for quite some time now, enabling them to garner a considerable amount of experience and credibility in the field. Apart from the experience that the company has, Linking News also has ties with the biggest media outlets in the business and this guarantees that your press releases will receive the highest level of exposure. These media outlets that have great ties with Linking News include ABC, NBC, CBS, FOX, Reuters, MSNBC, and more. Apart from ties with the top media outlets, Linking News also boasts of its impressive relationship with more than 10,000 other media outlets, 1,000+ social networks that are spread all over the globe and 30,000+ journalists. All of these affiliations make Linking News the best press release distribution service provider out there in the market. Linking News further guarantees the publishing of your press releases with the benefits of anonymity and brand promotion, with the help of their White Label Press Release Distribution Service.

White Label Press Release Distribution Service

White Label Press Release Distribution Service offered by Linking News is specifically made to address the need for anonymity and boosting the brand awareness of a company. In any business, certain details regarding the business’ workings is preferred to be kept secret from competitors. This includes the usage of a third-party press release distribution service provider for the publishing of your press releases. Linking News allows its clients to opt for this anonymity and keep their marketing strategies incognito by choosing the White Label Press Release Solutions.

White Label Press Release Distribution means when you use a third-party press release distribution service, your press release will not be published on its official website, and the brand of the third-party press release distribution service will not be mentioned in your press release and report. Your clients or competitors will never know that you use a paid press release distribution service to help you get your business featured on the major news and media sites. Your press release will not be published on www.LinkingNews.com, and their brand will not be mentioned in your press release and report.

Linking News also offers unbranded or private label press release services. Unbranded means Linking News’s brand will not be mentioned in your report. Private Label means you can offer press release distribution services to your own clients with your own private brand, which is an ideal and professional solution for marketing, SEO, or PR agencies.

· by · 0
Legit Payday Loans Online – How To Locate Legitimate Lenders

Payday loans online is one of the things that you can avail today for your cash needs. There are numerous sites that offer the service of loan with the intention of obtaining the cash within a few hours or days. They offer fast services which require little documentation and your online application will be processed as soon as possible.

The lenders ask you to fill up the credit report of your business associates and your credit history and later on they approve the loan request. You don’t have to face problems like mortgage because the loan amount comes into your account instantly as per your agreement. If you need to pay off the installments by regular installment, you can choose any installment method.

The amount of the loan is paid off over a long period of time and that is why you can pay your installments in a good sense. These companies keep on offering better schemes to their clients and hence a person can easily avail this service of their services. If you want to know more, then visit here.

The best thing about these companies is that they don’t impose any late fees on the borrowers.

They also allow the borrowers to avoid penalties, as the charges are very nominal.

These companies provide borrowers with a quick cash facility for almost all the emergencies, the loans can be applied for through the internet, there is no hassle when it comes to finance. Moreover, you get the freedom of enjoying cash with this facility, irrespective of your financial status.

They are very helpful in solving all the pressing needs of people, they also go for a lot of other work like bankruptcy prevention, collection of arrears, and other legal issues. They have loan providers who take a single loan from different customers, hence they serve the same purpose for several people at the same time.

When you search for the cash online, you will find numerous websites that promise the same thing. However, you should be very careful while finding a legitimate online company. To get yourself secured, you should be aware of certain points.

The first thing that you should check is the online reputation of the company!

Make sure that the company you are going to deal with is legitimate and not a fraud. The best way to establish the legitimacy of the company is to check the registration number of the company.

Secondly, ensure that the online borrower can easily access the loan provider. The company’s database should not be restricted or restrict your access so that you can access the loan amount from the company anytime.

Visit the site and understand the way it works! You may not need to fill the form online!

You should also check whether the online borrower has to fill an online application form for the approval of the loan amount. If the borrower doesn’t have to fill the form online, then you must visit the websites of the cash and understand how it works.

Last but not the least, you must make sure that the online application is done completely properly before the cash is released to the borrower. If you are not satisfied with the online application, you can still ask for the documents that will prove the identity of the borrower.

If you want to know how to avail legit online cash, it’s quite easy. All you need to do is to fill the simple form of application and wait for the verification of your application.

It is awful in the event that you have an absence of information about the guidelines and guidelines of your state! Advise yourself before applying on the web!

Absence of information about the guidelines and guidelines of your state is one of the normal missteps you can keep away from in the event that you need to get the best credit bargain. Much of the time you may stumble into difficulty in the event that you don’t know about the laws of your state. It is smarter to get this data before you begin making installments to a loan specialist.

You ought to likewise remember that loan specialists deal with all the monetary issues related with the borrower. In this way you should be cautious enough in your dealings.

Another basic error you can stay away from is overextending yourself with regards to the reimbursement time of the acquired cash. On the off chance that you are thinking that its hard to meet the installment because of a sudden crisis, don’t benefit the credit all things considered. Utilize this cash to make the regularly scheduled installments.

When applying for online money, it is best to opt for the company that charges the lowest rates!

When applying for online cash, it is best to opt for the company that charges the lowest rates. This is because it gives you a better rate as a lender and earns you more money by charging a low rate.

If you do not have enough money to cover the cost of the loan, then you will need to find a place that is willing to lend you the money for this purpose. There are many different places that will be willing to help you get money for emergencies. It is best to look around, and make sure that you are getting the best deal possible.

Benefits of borrowing online, it is also important to understand the basics!

While there are many benefits of getting money online, it is also important to understand the basics. The more you understand about the process, the more likely you are to make a wise choice when it comes to cash. If you do not understand the process, then it may be best to ask a trusted friend or family member to help you with the process.

If you have had a fall or broken leg that you need urgent needs for, you can use an online loan to pay for your medical bills. Many people can not afford to pay for their own medical expenses and therefore cannot cover their own medical bills. An online loan can help to pay for your medical bills.

· by · 0
How Virtual Legal Assistant Services Can Enhance Your Law Firm’s Efficiency?

In the fast-paced and dynamic world of law practice, efficiency is paramount to the success and growth of any law firm. However, attorneys and legal professionals often find themselves burdened with overwhelming administrative tasks, leaving them with limited time to focus on core legal matters and client representation.

In this digital age, the emergence of a virtual assistant can be a game-changer for law firms. It can revolutionize the way legal businesses operate and significantly enhance their efficiency.

What is a Virtual Legal Assistant, and How Can They Help?

A virtual assistant can help handle non-legal tasks efficiently and accurately. You can contact a virtual legal assistant services provider, who can help manage tedious and repetitive tasks. These firms are known to deliver their services with the utmost professionalism and within the stipulated time frame. Let’s look at how they can be of help:

1. Focus on Administrative Tasks

Schedule appointments, manage your calendar, and keep track of deadlines—these are all common administrative activities that virtual legal assistants are well-suited to perform. Lawyers can concentrate on the high-value facets of their business, such as case preparation and courtroom representation, by giving these time-consuming tasks to Virtual legal assistants.

2. Flexibility

A law firm must be flexible to handle their clients at any time. It often becomes difficult for lawyers to be flexible and offer that support. Due to the 24/7 availability of virtual legal assistants, law firms can offer their customers consistent help regardless of time zones or business hours. This constant accessibility helps make the legal profession more flexible and adaptable.

3. Efficient Legal Research

Virtual legal services can do legal research quickly, thanks to their access to large databases, legal libraries, and current resources. It can help you save time by ensuring access to critical information when creating cases or preparing arguments. Such help from virtual assistants can make the lawyers increase their win percentage.

4. No Need to Hire Additional Staff

Services for virtual legal assistants are a more affordable option than adding more employees internally. Without the costs of hiring, training, and offering benefits to full-time employees, law firms can scale their help per their needs by taking help from virtual assistant services.

5. Enhanced Customer Service

Virtual legal assistants can link your legal firm’s clients and themselves by handling first inquiries, giving case updates, and responding to common questions. These assistants can also help to increase consumer satisfaction and loyalty by responding to complaints as soon as they arise.

6. Specialized Professionals

Your law firm can use virtual legal assistants to create pleadings, contracts, and other legal documents. They can assist in creating accurate and error-free papers by extracting and processing information from numerous sources, reducing the possibility of mistakes or conflicts.

7. Helps in Decision Making

A virtual assistant can not only help your law firm with tasks but also with making informed decisions. At times, lawyers also face the dilemma of what is right or wrong and may face difficulty in making an appropriate decision. In such a case, a visual assistant can come to your rescue. Doing adequate market research, data analysis, and checking various reports can suggest a plan of action that may help you make the right decision.

8. Increased Employee Satisfaction

How can a virtual assistant help increase your internal employee satisfaction? The answer is simple. If you delegate all the repetitive work that your employees are doing to these service providers, your employees will be free of burden and have time to invest in their learning and growth.

You will have more time to devote to market research and educating your staff on recent trends. If your employees are happy and satisfied, it will eventually show in their performance, in turn increasing your law firm’s efficiency.

To Conclude

Virtual legal services are becoming a game-changing way to increase law firm productivity. These service assistants enable attorneys to concentrate on what they do best: practicing law by automating time-consuming administrative tasks, conducting quick and accurate legal research, and keeping proactive client communication.

Modern law companies that want to be competitive, cost-effective, and devoted to offering top-notch legal services should try and use these innovative options for their betterment.

· by · 0
9 Important Architects You Should Definitely Know About

It is a fact that architecture is everywhere around us, there is absolutely no doubt about it. Every city takes pride in its unique buildings that represent a certain era and style. This is even true for some buildings that you consider to be ‘common’ such as your office, school, even a movie theater. They were all created by following the designs of professionals.

Due to this reason, in this article, we are going to focus on this occupation. We are going to present you with a list of successful architects. Some of these are pretty famous, and you are already familiar with them. However, we are also going to mention some individuals who have yet to shine.

Antoni Gaudí

Even if this name doesn’t ring any bells, you are most certainly familiar with his work. Yes, we are talking about La Sagrada Familia cathedral in Barcelona. The building process of this cathedral began in 1883, and it is still under construction (it is expected that it will be concluded by 2026).

What makes his work so unique is the fact that Gaudí is the master of combining elements from numerous styles, everything from Victorian and Moorish to the Gothic and Baroque style. In addition, it is quite obvious that he drew inspiration from nature, including tree-like columns, and one-of-a-kind details. This is very noticeable from the design of La Sagrada Familia, but also from his other projects, such as a building complex called Casa Milla. Interestingly, this project was inspired by a mountain called Monserrat that is located in the close vicinity of Barcelona.

Frank Gehry

The work of Frank Gehry is characterized by constructions and shapes that appear to defy gravity. This 91-year-old is considered to be the most important architect of our age, and his designs are believed to be the best representation of contemporary architecture.

After his innovative design of the Guggenheim Museum Bilbao in Spain, Gehry’s name became famous all around the world. He is also the creator of MIT’s Stata Center in Cambridge, MA, and Disney Hall in Los Angeles.

Mies Van der Rohe

If you agree with the saying that “less is more” and enjoy the minimalistic design, then you should definitely explore the work of a German architect, Mies Van der Rohe. Instead of using ornaments and details to improve the appearance of his buildings, Mies opted to go in another direction.

This is why his work is characterized by a minimalistic approach, geometrical forms, and simple materials such as marble, steel, travertine, and plate glass. His most prominent projects include the Barcelona Pavilion, a New York skyscraper called Seagram Building, structural improvements of the Museum of Fine Arts in Houston, and so on.

Philip Johnson

Philip Johnson’s name is quite famous in the circles of Modern architecture, and one could freely say that he defined this style from 1935 until his death. Even though he did not make a name from himself by coming up with innovations, he did significant work by refining other people’s ideas and adding a personal touch to them.

His most famous work is the Glass House located in Connecticut. Just by looking at the picture of this 1949 residence, you will notice the similarities to Mies’ designs. Even Johnson concluded that it was “more Mies than Mies”.

If you really think about it, it is quite obvious that Johnson’s work inspired today’s designs of high-luxury buildings. They usually feature glass plates that, in a way, erase the boundaries between indoor and outdoor, creating that open space concept that most people enjoy nowadays.

Richard Rogers

Are you familiar with the High Tech and Structural Expressionism style from the 1960s? The main quality of it is that all buildings are created in a way that the structure of the building is brought outside. The Pompidou Center is the best representation of this movement. Its plumbing and heating systems are displayed on the façade, as well as a glass escalator which is located outside the building.

Renzo Piano

Unlike many other architects, Renzo Piano isn’t recognized as an artist that solely uses elements of a single style in his work. His most famous design is the 95-story skyscraper, The Shard in London. However, his other projects, such as the Whitney Museum’s home displays the elements of the Neo-Brutalism style, while, on the other hand, the Menil Collection is more minimalistic and elegant.

Majed Veysel

Although Majed Veysel is a young architecture, he already has some experience under his belt. Upon graduating from “Bahçeşehir Üniversitesi” in Istanbul, he quickly registered as an architect in the “Chamber of Architects of Turkey” in 2017, and enrolled in the master studies of Architecture for Sustainable Design in “Politecnico Di Torino” in Italy.

When it comes to his employment, he worked as an office intern architect with two companies, one in Rome, and the other in Istanbul. In addition, he was a site construction architect on “Skyland Istanbul”, and is currently working on Sustainable buildings and urban infrastructure workshop collaboration with the University of Maryland.

Santiago Calatrava

Calatrava is a Spanish architect best known for its futuristic design. Some people would tell you that his buildings mirror extinct robotic dinosaurs. Through his work, Calatrava oftentimes persuades us into the appearance of these dinosaurs, even though they are not real.

His most prominent project is the World Trade Center Transportation Hub. The main feature of this design is the Oculus, which is located in its center, allowing the daylight to shine up the main hall. Although Calatrava is known as an architect whose work almost always includes budget overruns, i.e., unexpected additional costs, no one can deny his unique style.

Norman Foster

Foster’s work is characterized by triangular forms and the geodesic dome. Just observe The Gerkin skyscraper in London, and you will understand what we are talking about. This building is not only one of the best examples of contemporary architecture in the world, but it is also one of London’s most recognizable international landmarks.

· by · 0
Digital marketing boom in Southeast Asia

With young people and new generations becoming more tech-savvy and interested in technology, a rapid increase in internet, social media and digital media activity is noticed. Southeast Asia, with around 370 million Internet users, according to January 2018 data, is experiencing a boom in the digital sector. In the ASEAN-6 countries – Indonesia, Thailand, Singapore, Philippines and Vietnam, it’s recorded that around 70-90% of the population of each country is using the Internet regularly. That brings us to a bit more than 350 million users in total. Most of them are also active social media users.


The growth in a number of users is what is truly impressive, and it’s expected that this growth continues for many more years. Some estimates are that by 2025, the digital market in Southeast Asia will have the worth of around $197 billion.

One of the fastest growing sectors is certainly e-commerce which is expected to grow by 261% by 2024. The reason for this is mainly the fact that Southeast Asia lacks physical retail stores and the choice of products is quite limited. So by shopping online, people overcome that inconvenience. Also, social media marketing and increasingly personalized email marketing have a huge influence on this growth. SEO Heroes marketing agency is just one of those that can help you out with this.

The mobile payments are also becoming more and more popular. The rise is seen in interest in app-powered payments and the competition in the mobile market is irrefutable.

Knowing all this, it comes as no surprise that digital marketers are turning their focus to Southeast Asia. E-commerce is especially blooming in Indonesia and Thailand. MatahariMall, the Indonesian department store, invested around $500 million in developing its e-commerce venture. Alibaba has been expanding as well. They invested around $249 million for improving their delivery network in Southeast Asia. Also, it’s expected that the 1 billion dollar worth e-commerce market in Singapore, will rise to over $5 billion by 2025.

Another thing worth mentioning is that mobile phones are everywhere. They are one of the greatest influences on the rise of internet usage. It’s easy for people to get used to, and completely switch to such an effortless and fast way of shopping, and so the brands follow. Thailand has mobile penetration over 100%. That means that people usually have more than one mobile device. Driven by this mobile-first mentality of Southeast Asia, most of local start-ups and brands started investing a lot more money in mobile advertising. Malaysia is maybe smaller than other SEA countries, but it has enormous potential for digital growth. More than half of its population is willing to make a digital purchase. Travel and transportation market is also growing rapidly. People are starting to rely more and more on taxi-on-demand services, and it’s possible that by 2024, this market will increase by 90%.


The digital marketers should also bear in mind that women are gaining greater influence in Asia. Interestingly, around 60% of all male product purchases are made by women.

Because of such a competitive environment, companies are developing various, more aggressive and effective marketing strategies in order to gain the edge over others.


Different strategies are required for different demographics, and good cultural marketing strategy is crucial in regions like the SEA.

· by · 0
How to Save Money – Tricks and Tips for Beginners

It is said that no matter how much money you have, they will not be enough. College students, new parents, and students usually need more money fast and it is hard to save up some cash when you have so many things to take care of. Some people decide to get a loan, but that is not practical at all, especially when you are not sure if you are going to be able to pay it off. That is why you need to know a few tricks on how to save up some money.

Every beginning is difficult, but you should know that it won’t be this hard forever. Plus, if you learn how to save up some cash when you are young, you will have those skills forever. Even if you don’t need the money now, if you start saving when you can, you will thank yourself in times when it’s hard to make ends meet.

To help you start and to help you learn some new tricks, we decided to make this guide. It is something we’ve tried and it does work. Remember that you will need some time to get adjusted to these tips, but if you are persistent and if you want to make life easier for you, you will need these tricks. Give yourself some time and start slowly. Saving money does not mean giving up everything that you’ve ever wanted. It just means that it is better to focus on the big stuff than to spend everything you’ve got on the things you don’t really need.

Cut your spending

Let’s start with the most obvious one. Did you know you are paying for things you don’t even know you’re paying for? When we subscribe to new things, applications and streaming services, we just put our card number in and that thing gets renewed every month. On one side, it is good you don’t have to allow things over and over when you need them, but there are so many subscriptions that take money off of our bank account without us realizing.

So, sit down, open your detailed card information and check what you are paying for. You definitely don’t need a subscription to 4 different streaming services plus a TV plan. Unsubscribe from the things you don’t need, like the sleeping application you used once and you still pay for it. It may seem like you are only spending a few extra dollars here and there, but when you put it all together, you will realize that you can save more than 100 dollars just by unsubscribing.

Plan your budget

This is the most important thing. You have money coming in from your and your partner’s job, maybe from some side projects, and if you have a newborn, possibly some cash that family gives to you for the baby. Put all of that on a list or in an app. ZenFlowChart suggests using a flowchart that is simple and easy to use, so you can track your budget.

After you add all the money coming in, you need to write down all the things that take those dollars away. Start by adding the bills, then the groceries, everything that is needed on a weekly basis and you will see how much you have to save or to spend on important things. That way you can also track your bills and be smarter about the power or the water bill.

When you plan your budget, you can make smarter decisions and you can be more aware of the things you spend on. Write down everything, even that piece of gum you bought. In a month or two you will become more disciplined and you will learn how to avoid unnecessary costs.

Set your goals

Why do you want to save money? Is it just to make your life easier or do you want to save up for a vacation, road trip, or put some cash in the newborn’s savings account?

When you are aware of what you need the money for, it is going to be easier for you to plan the budget and cut the spending. Do you have a specific number in mind and a deadline? If you do, it’s going to be even easier. Write down how much money you’d need and how much would you need to save per week or per month to make that happen.

The easiest way to do this is to start small. Find something that you need and do not cost too much. Try to make a plan to save enough to get it in a month. See what you would need to cut on so that you can achieve that goal. Once you get to your first goal and when you see it is actually not that hard, it is going to be easier for you to set bigger goals.

When setting your goals, decide which your priorities are. That way you are going to know what you can save on and where you will have to continue spending the same amount. Remember that you don’t have to stop doing all of the things that make you happy. You just need to make smarter decisions so that you can have a better future.

Do you have any tips for saving up money? What did you do when you were a college student? New parents have so many different things to focus on, so it is a lot better when money is not that big of a problem.

If you can’t keep track of everything you spend, then it is better to use an app or another program that will help you learn how much money goes on what. When you know how much you spend on bills and on things you really need, it will be easier for you to plan the rest of the budget out. If you have some cash left at the end of the month, don’t just go and spend it on things that will give you temporary happiness. Be smart, set your goal and make it happen!

· by · 0