newslo--2020-03-11--Everything You Need to Know About a Catastrophic Insurance Plan

Health insurance is one of the best ways to reduce your out-of-pocket expenses when getting regular medical treatments .
Unfortunately , there were more than 27.9 million uninsured people in the United States in 2018 .
Why ?
The reasons vary , but for most , it was because coverage was too expensive .
For those people , getting any medical treatment means paying the full cost out of their savings .
Catastrophic insurance can help reduce those costs , but it works differently than other insurance policies .
Here ’ s what you need to know if you ’ @ @ @ @ @ @ @ Catastrophic Health Insurance Is Best for Emergencies Catastrophic coverage helps cover you for unexpected emergencies .
It isn ’ t meant for people with existing health conditions or those who need to see a doctor for specialized treatment on a regular basis .
The deductibles and out-of-pocket costs make using this coverage option for those ongoing health conditions too expensive .
However , unlike other policies on the market , catastrophic coverage offers some of the lowest monthly premium rates .
This is perfect if you ’ re working with a tight budget @ @ @ @ @ @ @ pay for higher-priced insurance .
You ’ ll Need to Meet Your Deductible With catastrophic coverage , there are no co-pays .
Instead , you ’ ll pay out-of-pocket for medical services received until you hit your deductible .
This amount is on top of your monthly premiums .
If you ’ re considering this type of coverage , you ’ ll want to think about whether you can afford to pay for medical care out-of-pocket .
If you have enough money saved up to help pay for services until you hit your @ @ @ @ @ @ @ option .
Consider that even a small hospital stay can cost thousands of dollars .
Depending on the insurance plan , this could still leave you hundreds of dollars short of meeting your deductible .
If you ’ re not comfortable footing that bill , you may want to look at other insurance plans .
Under the Affordable Care Act , preventative care like regular physicals and health screenings are free even with catastrophic health insurance coverage .
You ’ re free to see your primary care doctor up to three times a @ @ @ @ @ @ @ Immunizations like the flu shot or tetanus boosters are free as well as long as your policy is valid .
If you let coverage lapse , you ’ ll have to pay for those things out-of-pocket .
In most cases , you must be under 30 years old to qualify for catastrophic insurance .
This is because people in this age group are typically at lower risk for health conditions , illnesses , and disease .
The lower risk you ’ re at , the less likely it is that you ’ ll @ @ @ @ @ @ @ , there are exceptions .
If you can prove that other types of insurance are too expensive , you may be able to get catastrophic coverage .
The government dictates what counts as a hardship for people over 30 .
If you were homeless anytime in the last three years , you may qualify for catastrophic insurance .
If your application for Medicaid got denied , you may also qualify .
However , if you don ’ t meet those requirements , you may have to explore other options through the marketplace .
@ @ @ @ @ @ @ may be more affordable than you think .
Those policies offer better quality coverage and require you to pay less out-of-pocket for certain services .
There Are Times You Won ’ t Have to Use Your Insurance Believe it or not , there are some instances where you won ’ t have to rely on your insurance plan to pay for treatment .
Instead , someone else ’ s insurance will cover your treatment costs .
Unfortunately , this typically only happens when you experience an unexpected injury .
For example , if @ @ @ @ @ @ @ your employer ’ s workers ’ compensation insurance will pay for your treatment .
It can even provide a portion of your wages while you recover .
With workplace accidents , you won ’ t have to rely on your catastrophic coverage .
You ’ ll submit a claim with your employer instead .
The amount you ’ ll receive largely depends on the severity of your injuries .
Read more here to learn about the different ways workplace injuries get classified .
This way , you can better understand the potential compensation @ @ @ @ @ @ @ ?
Catastrophic insurance isn ’ t right for everyone .
It leaves you at risk for high out-of-pocket expenses and won ’ t give you coverage until you reach your deductible .
As a general rule , only consider catastrophic coverage you don ’ t go to the doctor often .
Otherwise , you ’ ll end up paying thousands upfront for the services you need .
If you ’ re worried about the high up-front costs , it might be better to enroll in a different insurance policy .
What Are Your @ @ @ @ @ @ @ different options to choose from if you decide catastrophic coverage isn ’ t right for you .
If your employer offers health insurance , consider enrolling in their plan .
This will give you higher quality coverage , lower deductibles , and lower out-of-pocket expenses .
Keep in mind that your premiums will likely still be higher than what you ’ d pay for catastrophic coverage , but the better coverage may be worth it .
If your employer doesn ’ t offer coverage , you can always shop for insurance on the @ @ @ @ @ @ @ your needs .
Bronze level coverage provides better options than catastrophic insurance .
If you ’ re worried about ongoing health conditions or want to pay less for treatment , silver or gold plans may be your best choice .
Standard health insurance plans will cost more than catastrophic health insurance , but you ’ ll get more out of the polices .
The best way to find an insurance policy that works for your needs is to shop around .
Compare the monthly premium amounts with the amount you ’ d pay @ @ @ @ @ @ @ , catastrophic insurance is best for young individuals who won ’ t go to the doctor unless it ’ s an emergency .
If you think you ’ ll need more frequent care , invest in a different type of policy .
Looking for more tips on finding the best insurance for your needs ?
Check out our latest posts .

Health insurance is one of the best ways to reduce your out-of-pocket expenses when getting regular medical treatments. Unfortunately, there were more than 27.9 million uninsured people in the United States in 2018.
Why? The reasons vary, but for most, it was because coverage was too expensive.
For those people, getting any medical treatment means paying the full cost out of their savings. Catastrophic insurance can help reduce those costs, but it works differently than other insurance policies.
Here’s what you need to know if you’re considering this type of insurance.
Catastrophic Health Insurance Is Best for Emergencies
Catastrophic coverage helps cover you for unexpected emergencies. It isn’t meant for people with existing health conditions or those who need to see a doctor for specialized treatment on a regular basis.
The deductibles and out-of-pocket costs make using this coverage option for those ongoing health conditions too expensive.
However, unlike other policies on the market, catastrophic coverage offers some of the lowest monthly premium rates. This is perfect if you’re working with a tight budget or just don’t want to pay for higher-priced insurance.
You’ll Need to Meet Your Deductible
With catastrophic coverage, there are no co-pays. Instead, you’ll pay out-of-pocket for medical services received until you hit your deductible.
This amount is on top of your monthly premiums.
If you’re considering this type of coverage, you’ll want to think about whether you can afford to pay for medical care out-of-pocket. If you have enough money saved up to help pay for services until you hit your deductible, it’s a great option.
Consider that even a small hospital stay can cost thousands of dollars. Depending on the insurance plan, this could still leave you hundreds of dollars short of meeting your deductible. If you’re not comfortable footing that bill, you may want to look at other insurance plans.
It Covers Preventative Care
Under the Affordable Care Act, preventative care like regular physicals and health screenings are free even with catastrophic health insurance coverage. You’re free to see your primary care doctor up to three times a year without having to pay out-of-pocket.
Immunizations like the flu shot or tetanus boosters are free as well as long as your policy is valid. If you let coverage lapse, you’ll have to pay for those things out-of-pocket.
There Are Restrictions
In most cases, you must be under 30 years old to qualify for catastrophic insurance. This is because people in this age group are typically at lower risk for health conditions, illnesses, and disease.
The lower risk you’re at, the less likely it is that you’ll need to use your insurance.
However, there are exceptions. If you can prove that other types of insurance are too expensive, you may be able to get catastrophic coverage.
What Counts as a Hardship
The government dictates what counts as a hardship for people over 30. If you were homeless anytime in the last three years, you may qualify for catastrophic insurance. If your application for Medicaid got denied, you may also qualify.
However, if you don’t meet those requirements, you may have to explore other options through the marketplace.
With government subsidies, non-catastrophic health insurance may be more affordable than you think. Those policies offer better quality coverage and require you to pay less out-of-pocket for certain services.
There Are Times You Won’t Have to Use Your Insurance
Believe it or not, there are some instances where you won’t have to rely on your insurance plan to pay for treatment. Instead, someone else’s insurance will cover your treatment costs.
Unfortunately, this typically only happens when you experience an unexpected injury.
For example, if you’re injured at work, your employer’s workers’ compensation insurance will pay for your treatment. It can even provide a portion of your wages while you recover.
With workplace accidents, you won’t have to rely on your catastrophic coverage. You’ll submit a claim with your employer instead.
The amount you’ll receive largely depends on the severity of your injuries. Read more here to learn about the different ways workplace injuries get classified. This way, you can better understand the potential compensation levels.
When Is Catastrophic Insurance Right?
Catastrophic insurance isn’t right for everyone. It leaves you at risk for high out-of-pocket expenses and won’t give you coverage until you reach your deductible.
As a general rule, only consider catastrophic coverage you don’t go to the doctor often. Otherwise, you’ll end up paying thousands upfront for the services you need.
If you’re worried about the high up-front costs, it might be better to enroll in a different insurance policy.
What Are Your Alternatives?
Luckily, there are many different options to choose from if you decide catastrophic coverage isn’t right for you.
If your employer offers health insurance, consider enrolling in their plan. This will give you higher quality coverage, lower deductibles, and lower out-of-pocket expenses. Keep in mind that your premiums will likely still be higher than what you’d pay for catastrophic coverage, but the better coverage may be worth it.
If your employer doesn’t offer coverage, you can always shop for insurance on the marketplace and choose the right tier for your needs. Bronze level coverage provides better options than catastrophic insurance.
If you’re worried about ongoing health conditions or want to pay less for treatment, silver or gold plans may be your best choice.
Standard health insurance plans will cost more than catastrophic health insurance, but you’ll get more out of the polices.
Explore Your Insurance Options
The best way to find an insurance policy that works for your needs is to shop around. Compare the monthly premium amounts with the amount you’d pay out-of-pocket if you receive treatment.
Remember, catastrophic insurance is best for young individuals who won’t go to the doctor unless it’s an emergency. If you think you’ll need more frequent care, invest in a different type of policy.
Looking for more tips on finding the best insurance for your needs? Check out our latest posts.


newslo--2020-03-11--5 Tips for Startups on Improving Online Marketing Strategies

Running a startup business certainly isn ’ t for the faint of heart .
It requires your company to be at the forefront of your mind at all hours of the day .
It also requires you to wear several hats that you might not be used to wearing in your previous career .
For example , maybe you ’ ve started your own dental practice but don ’ t have any previous experience with marketing .
If so , you ’ re going to need a few lessons on how to properly promote your business .
Here are several @ @ @ @ @ @ @ your online marketing strategies in order to reach more people .
Consider all of these options in your plans .
1 .
Engage with Clients Through Your Copy The copy that you fill your website with shouldn ’ t just be word after word of directions and factoids .
That kind of content is boring and doesn ’ t help anyone stay interested in what you have to say .
More importantly , unengaging copy leaves a terrible impression on your brand ’ s identity .
You could have the most open-minded and @ @ @ @ @ @ @ entire city , but if your boring website copy is the site user ’ s first impression , it won ’ t matter .
The focus should be on engaging your readers and site users .
Make the copy much more free-flowing and personable .
Customers these days love when brands break the chains and show their true selves behind the content on their site .
Did you know that , for the first time in the history of the internet , people are using the internet more on their phones than any @ @ @ @ @ @ @ , ladies and gentlemen… more people are visiting your website on their phones more than their desktops , laptops , tablets , etc .
The companies that don ’ t cater to a mobile-friendly website are losing out on a significant portion of potential site visitors .
If it doesn ’ t format to their screen right away , they ’ ll push the “ back ” button faster than you can say “ online marketing ” .
Make sure that your website is ready to be viewed on any device they have @ @ @ @ @ @ @ ve spent all this money , time , and effort in order to be able to generate more leads to your website .
Heck , the content on your site might even be enough to convince them to purchase an item or two from you .
Then they get frustrated trying to find the right page to click on to purchase said product ( s ) .
They aren ’ t Lewis and Clark .
They don ’ t want to explore your site .
Rather than waiting it out and looking through @ @ @ @ @ @ @ ll bounce off of it and purchase a product from your client… ouch !
Set aside some time to go through your website as if you ’ ve never seen it before .
Are you able to comb through the pages with ease ?
Is it clear what pages lead you to which products ?
Are their any jargon terms you need to get rid of ?
Don ’ t let your website be the downfall of your entire online marketing strategy .
Put in the time to make sure the layout is @ @ @ @ @ @ @ you ’ re living in a digital world , there will always be a place for your offline marketing initiatives as well .
In fact , with digital printing , you can have both sides become marketing plans that bounce off of one another .
For example , say you have a creative designer draw up all of the collateral that you use for your business .
You might have them create helpful graphics that can be a tremendous selling point for your products .
Why limit that graphic to only the online @ @ @ @ @ @ @ where your business could benefit from that graphic in things like face to face meetings , networking events , etc .
Digital printing can be as easy as sending the digital information directly to a printing press to be printed out and ready for whenever you need it .
Not to mention , your customers will admire the high quality of all your printed advertisements and collateral from now on .
Be sure to learn about digital printing and see how it can be a game-changer for your business moving forward .
As @ @ @ @ @ @ @ there have started your business without any prior experience in marketing .
If that ’ s you , then you should be commended for A ) learning on the go and B ) taking the time to research how to improve ( by reading this article ) .
One of the biggest areas of online marketing is to prioritize what ’ s referred to as search engine optimization .
In other words , it ’ s the focus on finding ways to make your website ’ s pages climb up the rankings of @ @ @ @ @ @ @ The higher up you are , the more site visitors you ’ ll get .
This comes from a healthy balance of things like keyword usage , internal links , high-quality content , external links , and backlinking , to name a few .
Lucky for you , there are several SEO marketing agencies out there that would be happy to help you start that process for your business .
Now that you know of several online marketing strategies that can help improve your sales conversions , there ’ s no reason for @ @ @ @ @ @ @ them .
Consider several ways you can start to remodel your marketing plan to cater to these tips .
Doing so can result in sizeable growth in the long run .
Be sure to browse our website for several other marketing-related articles , as well as other helpful topics .

Running a startup business certainly isn’t for the faint of heart. It requires your company to be at the forefront of your mind at all hours of the day.
It also requires you to wear several hats that you might not be used to wearing in your previous career.
For example, maybe you’ve started your own dental practice but don’t have any previous experience with marketing. If so, you’re going to need a few lessons on how to properly promote your business.
Here are several ideas and tactics you can integrate into your online marketing strategies in order to reach more people. Consider all of these options in your plans.
1. Engage with Clients Through Your Copy
The copy that you fill your website with shouldn’t just be word after word of directions and factoids.
That kind of content is boring and doesn’t help anyone stay interested in what you have to say. More importantly, unengaging copy leaves a terrible impression on your brand’s identity.
You could have the most open-minded and amazing brick and mortar store in the entire city, but if your boring website copy is the site user’s first impression, it won’t matter.
The focus should be on engaging your readers and site users. Make the copy much more free-flowing and personable. Customers these days love when brands break the chains and show their true selves behind the content on their site.
2. Mobile-Friendly Website
Did you know that, for the first time in the history of the internet, people are using the internet more on their phones than any other device?
That’s right, ladies and gentlemen… more people are visiting your website on their phones more than their desktops, laptops, tablets, etc.
The companies that don’t cater to a mobile-friendly website are losing out on a significant portion of potential site visitors. If it doesn’t format to their screen right away, they’ll push the “back” button faster than you can say “online marketing”.
Make sure that your website is ready to be viewed on any device they have available to them.
3. Navigation of Your Website
So… you’ve spent all this money, time, and effort in order to be able to generate more leads to your website.
Heck, the content on your site might even be enough to convince them to purchase an item or two from you. Then they get frustrated trying to find the right page to click on to purchase said product(s).
They aren’t Lewis and Clark. They don’t want to explore your site. Rather than waiting it out and looking through all of your pages, they’ll bounce off of it and purchase a product from your client… ouch!
Set aside some time to go through your website as if you’ve never seen it before. Are you able to comb through the pages with ease? Is it clear what pages lead you to which products? Are their any jargon terms you need to get rid of?
Don’t let your website be the downfall of your entire online marketing strategy. Put in the time to make sure the layout is as simplistic as possible.
4. Digital Printing
Even though you’re living in a digital world, there will always be a place for your offline marketing initiatives as well.
In fact, with digital printing, you can have both sides become marketing plans that bounce off of one another.
For example, say you have a creative designer draw up all of the collateral that you use for your business. You might have them create helpful graphics that can be a tremendous selling point for your products.
Why limit that graphic to only the online marketplace? There are several day-to-day situations where your business could benefit from that graphic in things like face to face meetings, networking events, etc.
Digital printing can be as easy as sending the digital information directly to a printing press to be printed out and ready for whenever you need it.
Not to mention, your customers will admire the high quality of all your printed advertisements and collateral from now on.
Be sure to learn about digital printing and see how it can be a game-changer for your business moving forward.
5. Prioritize Search Engine Optimization
As previously mentioned, some of you out there have started your business without any prior experience in marketing.
If that’s you, then you should be commended for A) learning on the go and B) taking the time to research how to improve (by reading this article).
One of the biggest areas of online marketing is to prioritize what’s referred to as search engine optimization.
In other words, it’s the focus on finding ways to make your website’s pages climb up the rankings of Google’s top search results. The higher up you are, the more site visitors you’ll get.
This comes from a healthy balance of things like keyword usage, internal links, high-quality content, external links, and backlinking, to name a few.
Lucky for you, there are several SEO marketing agencies out there that would be happy to help you start that process for your business.
Integrate All These Online Marketing Strategies Today
Now that you know of several online marketing strategies that can help improve your sales conversions, there’s no reason for you to wait any longer to integrate them.
Consider several ways you can start to remodel your marketing plan to cater to these tips. Doing so can result in sizeable growth in the long run.
Read more tips for designing tech startup logos and branding. Be sure to browse our website for several other marketing-related articles, as well as other helpful topics.


newslo--2020-03-11--9 Super Effective Tips for Learning a New Language – NewsLo

More than half of the world ’ s population speaks more than one language .
Some countries even have more than one official language spoke country-wide .
The older we get , the more difficult it becomes to learn and retain a language .
However , it ’ s not at all impossible or too late for you to be multilingual .
The key to this is understanding helpful factors about language learning that can get you to your goal quicker .
If you ’ re interested in adding some different dialects to your communication abilities , check out these @ @ @ @ @ @ @ language .
Have you ever heard a commercial on the television or radio so many times that you could say it word-for-word ?
Well , that ’ s pretty much what repetition does for your brain .
And this is why using its power is one of the top tips for learning a new language .
Repetition is one of the first steps to effective learning .
The more you do a thing , the more ingrained it becomes .
You can practice repetition with learning in a language in different ways , @ @ @ @ @ @ @ songs and writing words repeatedly .
Try to use repetition intentionally , when you ’ re most conscious , as well as during times when you ’ re subconscious is most active , such as during sleep .
You can play vocabulary audio as you go to bed to help even more .
Eventually , you will improve in speed and confidence in the material .
Sometimes we remember things when we have a visual aid to help prompt us .
This might be a good method for you if you ’ re @ @ @ @ @ @ @ adding visuals to your study materials .
For instance , if you have flashcards , leave them around the house attached to the actual item ( on the mirror , books , etc. )
.
You can also draw images on the cards themselves for your self-study sessions .
One of the tips for learning a new language that can produce the quickest improvement is talking with a native speaker .
The best thing about this is they are able to correct you right away on even the smallest adjustments .
You ’ @ @ @ @ @ @ @ from their point of view , which is connected directly to the culture .
They can explain certain aspects more in-depth , as well .
You might even pick up some cool slang and idioms to sound more natural .
Make sure you pay attention to their mouth when they are pronouncing various words and sounds .
Don ’ t hesitate to ask them to slow down so you can keep up and imitate them accurately .
Music and movies have always been great ways to learn new languages .
The arts themselves @ @ @ @ @ @ @ ’ s easier to dive into a study session using these colorful tools .
There are a few great ways you can use media and entertainment to your advantage when you want to speak another language : • Listen to songs with the printed lyrics • Watch movies that have a version in the language you speak • Make playlists of your favorite things from the language and listen/watch daily These exercises are fun and will help you to become a much better speaker .
5 .
Look in the Mirror This one @ @ @ @ @ @ @ actually a really good tip for language learners .
The thing about speaking a new dialect is that oftentimes it causes you to reposition your tongue and situate your mouth in unnatural ways .
A cool trick to help manage this is speaking in the mirror .
Looking in the mirror while you practice will help make sure your placements are accurate .
You ’ ll be able to make a connection between how the word is supposed to feel and sound at the same time .
For instance , if you want @ @ @ @ @ @ @ , you may have to shift your tongue slightly back for the “ tapered tongue ” effect .
Practice speeches , songs , random conversation and anything else that takes you out of your comfort zone .
You should be reading books in the language that you want to learn .
Another method to add to that would be actually saying the words you ’ re reading aloud .
Sometimes the way you speak in your head doesn ’ t come out the same way when you go to say it .
It @ @ @ @ @ @ @ make audible corrections .
Consider recording yourself ( you can use a smartphone or laptop ) and playing it back .
This will help you to improve with flow , pacing , and enunciation during reading .
Choose different levels and topic books to help expand your vocabulary quickly .
There can ’ t be a list of tips for learning a new language without mentioning the fact that technology has made it almost easier than ever .
There are plenty of apps and software to help you start speaking a different language @ @ @ @ @ @ @ download and use .
You can also find tons of videos , blogs , courses and online communities to help you with studying and application .
Don ’ t skip out on using everything that technology has to offer in your pursuit of being multilingual .
Sometimes it might be difficult for you to retain certain terms or phrases because they are specific to the culture .
It ’ s always great to take a respectful approach to learn more about the people and places that the language originated from .
Take time @ @ @ @ @ @ @ even travel a bit to help you understand more .
The reality is that you ’ ll never be able to catch on to any language if you aren ’ t a good listener .
Your receptive communication ( listening , receiving info ) leads to having strong expressive communication ( speaking ) .
Always listen closely and practice on sharping your ear for the language .
Follow These Tips for Learning a New Language If you want to be bilingual or even multilingual , it ’ ll take time , focus and @ @ @ @ @ @ @ if you use these tips for learning a new language , you could be close to your goal before you know it .
The most important part is to remain consistent and never give up .
For more tips and tricks , check out our blog .

More than half of the world’s population speaks more than one language. Some countries even have more than one official language spoke country-wide. The older we get, the more difficult it becomes to learn and retain a language.
However, it’s not at all impossible or too late for you to be multilingual. The key to this is understanding helpful factors about language learning that can get you to your goal quicker.
If you’re interested in adding some different dialects to your communication abilities, check out these 9 super tips for learning a new language.
1. Repetition Wins
Have you ever heard a commercial on the television or radio so many times that you could say it word-for-word? Well, that’s pretty much what repetition does for your brain. And this is why using its power is one of the top tips for learning a new language.
Repetition is one of the first steps to effective learning. The more you do a thing, the more ingrained it becomes. You can practice repetition with learning in a language in different ways, including reciting flashcards, putting vocab in songs and writing words repeatedly.
Try to use repetition intentionally, when you’re most conscious, as well as during times when you’re subconscious is most active, such as during sleep. You can play vocabulary audio as you go to bed to help even more. Eventually, you will improve in speed and confidence in the material.
2. Make Visual Connections
Sometimes we remember things when we have a visual aid to help prompt us. This might be a good method for you if you’re more of a visual learner. Consider adding visuals to your study materials.
For instance, if you have flashcards, leave them around the house attached to the actual item (on the mirror, books, etc.). You can also draw images on the cards themselves for your self-study sessions.
3. Practice With a Native Speaker
One of the tips for learning a new language that can produce the quickest improvement is talking with a native speaker. The best thing about this is they are able to correct you right away on even the smallest adjustments.
You’ll also get to understand the language from their point of view, which is connected directly to the culture. They can explain certain aspects more in-depth, as well. You might even pick up some cool slang and idioms to sound more natural.
Make sure you pay attention to their mouth when they are pronouncing various words and sounds. Don’t hesitate to ask them to slow down so you can keep up and imitate them accurately.
4. Use Media & Entertainment
Music and movies have always been great ways to learn new languages. The arts themselves are extremely engaging for people so it’s easier to dive into a study session using these colorful tools.
There are a few great ways you can use media and entertainment to your advantage when you want to speak another language:
Listen to songs with the printed lyrics
Watch shows and movies with subtitles
Watch movies that have a version in the language you speak
Listen to slowed down podcasts
Make playlists of your favorite things from the language and listen/watch daily
These exercises are fun and will help you to become a much better speaker.
5. Look in the Mirror
This one might sound silly but it’s actually a really good tip for language learners. The thing about speaking a new dialect is that oftentimes it causes you to reposition your tongue and situate your mouth in unnatural ways. A cool trick to help manage this is speaking in the mirror.
Looking in the mirror while you practice will help make sure your placements are accurate. You’ll be able to make a connection between how the word is supposed to feel and sound at the same time. For instance, if you want to learn how to speak English fluently, you may have to shift your tongue slightly back for the “tapered tongue” effect.
Practice speeches, songs, random conversation and anything else that takes you out of your comfort zone.
6. Read Books Aloud
You should be reading books in the language that you want to learn. Another method to add to that would be actually saying the words you’re reading aloud.
Sometimes the way you speak in your head doesn’t come out the same way when you go to say it. It’s best to hear yourself and make audible corrections.
Consider recording yourself (you can use a smartphone or laptop) and playing it back. This will help you to improve with flow, pacing, and enunciation during reading. Choose different levels and topic books to help expand your vocabulary quickly.
7. Take Advantage of Technology
There can’t be a list of tips for learning a new language without mentioning the fact that technology has made it almost easier than ever. There are plenty of apps and software to help you start speaking a different language. Many of them are free to download and use.
You can also find tons of videos, blogs, courses and online communities to help you with studying and application. Don’t skip out on using everything that technology has to offer in your pursuit of being multilingual.
8. Immerse Yourself in Culture
Sometimes it might be difficult for you to retain certain terms or phrases because they are specific to the culture. It’s always great to take a respectful approach to learn more about the people and places that the language originated from.
Take time to immerse yourself, make friends and even travel a bit to help you understand more.
9. Listen Carefully
The reality is that you’ll never be able to catch on to any language if you aren’t a good listener. Your receptive communication (listening, receiving info) leads to having strong expressive communication (speaking). Always listen closely and practice on sharping your ear for the language.
Follow These Tips for Learning a New Language
If you want to be bilingual or even multilingual, it’ll take time, focus and effort. The good news is that if you use these tips for learning a new language, you could be close to your goal before you know it. The most important part is to remain consistent and never give up.
For more tips and tricks, check out our blog.


newslo--2020-03-13--5 Best Affordable Laptops for High School and College Students

Modern computers need to be able to cope with much more tasks than it was back in the day .
Laptops have to support lots of different programs and apps that make studying easier and more productive .
When choosing a laptop , the key features we pay attention to are battery life , memory storage , and CPU performance .
Then we look at its price , design , and portability , though it ’ s not always the rule .
When the time comes to buy a laptop or a notebook , a student faces a challenging choice @ @ @ @ @ @ @ should be equally good for working and studying and for enjoying your free time when you can watch movies or play some video games .
And of course , it must keep a battery charge well and be not that expensive .
In this article , we ’ ve outlined the five best budget-wise computers for students .
They have quite powerful specs and can conduct many important functions apart from surfing the net and using office apps .
It ’ s a good standard-size notebook that has a 9-hour battery life , @ @ @ @ @ @ @ .
Acer Aspire 5 is a simply designed gadget , weighing 3.8 pounds ( 1.9 kg ) and having a 15.6-inch display .
It manages to perform standard MS Office tasks and will be enough for a college student to prepare for classes and work on different projects .
This is a great budget laptop that is consistent with its functions , performance , and price .
Samsung Chromebook Plus V2 is considered a leader in the premium Chromebook market .
The most significant advantage for a student will be its two-in-one function @ @ @ @ @ @ @ laptop and as a tablet at the same time ; you just need to flip the screen .
This cool option enables it to operate quicker .
It is also comfortable in use , especially when you need to prepare some presentations or type in an office doc on the spot .
The display size is 12.2-inch .
Comparing with standard notebooks , its screen dimensions are a bit smaller , but the web interface of some apps looks much better .
Besides , there ’ s a battery-free pen attached to the @ @ @ @ @ @ @ use it to write or draw something , sign a doc , or mark photos , etc .
ASUS VivoBook is a lightweight laptop with a simple design that demonstrates strong performance and can easily cope with all basic and middle-rate university tasks and assignments .
It has a 15.6-inch full HD display , and its weight is only 4 pounds ( 1.75 kg ) , which makes this computer ideal for carrying in the bag or backpack .
Memory storage is up to 512GB of SSD , 8GB of RAM , and @ @ @ @ @ @ @ than enough for a student to store files , personal photos , download all the needed apps and programs , and even lots of movies .
The nice touch is that this laptop has a multiple screen mode .
Except for the attractive standard HD display , it is also equipped with a Screen Pad under the keyboard .
It can be used as a trackpad and act as a small touch screen that allows to handwrite or draw and converts the image into a text or picture .
It looks like a @ @ @ @ @ @ @ .
It positions itself as the best laptop for high school and college students : powerful and fast performance , long battery life , attractive design , and a low price .
HP Envy 13 is almost putting MacBook to shame .
It ’ s a lightweight ultrabook with a 13.3-inch display and 2.6 pounds ( 1.2 kg ) weight .
The performance is smooth : the laptop works fast and doesn ’ t ‘ think ’ for too long when you have 20+ tabs open in your browser or loading a film @ @ @ @ @ @ @ high-quality speakers make it extra appealing for students .
Laptop manufacturers made sure the powerful battery can sustain any kind of intensive work .
HP Envy easily deals with different tasks : preparing for the test , working on a project , creating a presentation , browsing through tens of websites in search of ways to avoid certain assignments and places where you can buy an essay paper , and so much more .
It ’ s believed to be the best laptop for working & gaming .
It has a good mix @ @ @ @ @ @ @ can be sure Dell G5 15 will cope with all kinds of academic tasks and your favorite video games .
Its characteristics and the price make a perfect combination .
It has a 15.6-inch full HD display with various options and user-friendly design .
The laptop ’ s body is slim and easy to carry – its weight is 5.9 pounds ( 2.68 kg ) .
It ’ s fitted with Intel Core i5 quad-core processor , 4GB NVIDIA GeForce GTX 1650 Graphics .
Battery capacity is 8GB of RAM , 1TB HDD @ @ @ @ @ @ @ .
The design is quite restrained , the surface is smooth , and the keyboard is comfortable for everyday use .
Here is what you need to know about the most fitting laptops models under $ 1000 for university and college students who want to simplify their studying process .

Modern computers need to be able to cope with much more tasks than it was back in the day. Laptops have to support lots of different programs and apps that make studying easier and more productive.
When choosing a laptop, the key features we pay attention to are battery life, memory storage, and CPU performance. Then we look at its price, design, and portability, though it’s not always the rule.
When the time comes to buy a laptop or a notebook, a student faces a challenging choice. The problem is that the computer should be equally good for working and studying and for enjoying your free time when you can watch movies or play some video games. And of course, it must keep a battery charge well and be not that expensive.
In this article, we’ve outlined the five best budget-wise computers for students. They have quite powerful specs and can conduct many important functions apart from surfing the net and using office apps.
Acer Aspire 5
Budget: under $600
It’s a good standard-size notebook that has a 9-hour battery life, comfortable design, and quality display specs. Acer Aspire 5 is a simply designed gadget, weighing 3.8 pounds (1.9 kg) and having a 15.6-inch display. It manages to perform standard MS Office tasks and will be enough for a college student to prepare for classes and work on different projects.
This is a great budget laptop that is consistent with its functions, performance, and price.
Samsung Chromebook Plus V2
Budget: under $600
Samsung Chromebook Plus V2 is considered a leader in the premium Chromebook market. The most significant advantage for a student will be its two-in-one function. It can be used as a laptop and as a tablet at the same time; you just need to flip the screen. This cool option enables it to operate quicker. It is also comfortable in use, especially when you need to prepare some presentations or type in an office doc on the spot.
The display size is 12.2-inch. Comparing with standard notebooks, its screen dimensions are a bit smaller, but the web interface of some apps looks much better.
Besides, there’s a battery-free pen attached to the laptop’s side. You can use it to write or draw something, sign a doc, or mark photos, etc.
ASUS VivoBook S15
Budget: under $600
ASUS VivoBook is a lightweight laptop with a simple design that demonstrates strong performance and can easily cope with all basic and middle-rate university tasks and assignments.
It has a 15.6-inch full HD display, and its weight is only 4 pounds (1.75 kg), which makes this computer ideal for carrying in the bag or backpack.
Memory storage is up to 512GB of SSD, 8GB of RAM, and 2TB of HDD. It is more than enough for a student to store files, personal photos, download all the needed apps and programs, and even lots of movies.
The nice touch is that this laptop has a multiple screen mode. Except for the attractive standard HD display, it is also equipped with a Screen Pad under the keyboard. It can be used as a trackpad and act as a small touch screen that allows to handwrite or draw and converts the image into a text or picture. It looks like a little console for performing some additional tasks.
HP Envy 13
Budget: under $800
It positions itself as the best laptop for high school and college students: powerful and fast performance, long battery life, attractive design, and a low price.
HP Envy 13 is almost putting MacBook to shame. It’s a lightweight ultrabook with a 13.3-inch display and 2.6 pounds (1.2 kg) weight. The performance is smooth: the laptop works fast and doesn’t ‘think’ for too long when you have 20+ tabs open in your browser or loading a film online.
Its 12-hours battery capacity and high-quality speakers make it extra appealing for students.
Laptop manufacturers made sure the powerful battery can sustain any kind of intensive work. HP Envy easily deals with different tasks: preparing for the test, working on a project, creating a presentation, browsing through tens of websites in search of ways to avoid certain assignments and places where you can buy an essay paper, and so much more.
Dell G5 15
Budget: under $900
It’s believed to be the best laptop for working & gaming. It has a good mix of performance and battery life. You can be sure Dell G5 15 will cope with all kinds of academic tasks and your favorite video games. Its characteristics and the price make a perfect combination.
It has a 15.6-inch full HD display with various options and user-friendly design.
The laptop’s body is slim and easy to carry – its weight is 5.9 pounds (2.68 kg). It’s fitted with Intel Core i5 quad-core processor, 4GB NVIDIA GeForce GTX 1650 Graphics.
Battery capacity is 8GB of RAM, 1TB HDD, and 128GB of SSD memory storage.
The design is quite restrained, the surface is smooth, and the keyboard is comfortable for everyday use.
Here is what you need to know about the most fitting laptops models under $1000 for university and college students who want to simplify their studying process.
Author Bio:
Jennifer Lockman is a passionate, custom essay writer with 5+ years of experience. Thirst for knowledge, can-do attitude, and attention to detail make her writing excellent and effective. Her specialties include marine biology, biology, chemistry, history, English, engineering, business, accounting, politics, and management. Her essays are always well-researched and properly cited. She sees writing as an opportunity to express yourself and bring value to the world, so in her spare time, she writes for pleasure and shares her work online.


newslo--2020-03-13--5 Reasons Why You Should Consider Comprehensive Insurance for Your Truck

Tractor-trailers are the lifeblood of the American economy .
For companies and owner-operators who drive them , though , they ’ re also a significant asset .
Like any asset , it ’ s essential that you provide adequate protection from all reasonable worries .
Today we ’ ll be discussing the comprehensive benefits of insurance so you know why it ’ s so important .
If you ask most people to list all their insurance benefits , you ’ ll get a blank look at best .
It ’ s especially true when you ’ re talking about the @ @ @ @ @ @ @ liability insurance .
Let ’ s break it down to see the fundamental differences between the various forms of commercial vehicle insurance .
Liability insurance is the bare minimum coverage every driver is required to have .
If you are at fault for an accident involving another party , it pays out to make them whole .
It doesn ’ t pay anything to you or compensate you for your damaged vehicle or medical issues .
With the exception of Florida , it ’ s a legal requirement to have liability insurance in @ @ @ @ @ @ @ main types of liability insurance : Body injury liability pays the medical bills of anyone injured in an accident you were at fault for .
If you ’ re a small business owner , this is a critical consideration .
Injuries from an automotive accident can cost tens or even hundreds of thousands of dollars .
If god forbid , there ’ s a fatality , you can be looking at a multi-million dollar payout .
You should prioritize getting adequate body injury liability no matter what else you decide .
Property damage @ @ @ @ @ @ @ .
This includes damage to the other party ’ s vehicle , possessions , or building , in the event of a one-party collision on a structure .
Collision insurance covers damage to your vehicle from a collision .
This includes striking another car , a physical object , or merely running your truck off the road because of road conditions .
Collision is the first step up from minimum required coverage and helps protect your investment .
It keeps you safe in case of an at-fault accident and pays out the book @ @ @ @ @ @ @ should have adequate collision insurance to protect your investment .
Comprehensive insurance covers most types of damage not caused by a collision .
This includes a much more extensive list of damage-causing incidents and is an excellent idea to have .
Any kind of damage not caused by collision insurance will be covered by comprehensive .
As the name suggests , uninsured and underinsured motorist insurance protects you from other drivers .
If they don ’ t have sufficient protection to make you whole after an accident they caused .
It can help @ @ @ @ @ @ @ insurance and generally provide you with peace of mind .
If you just have liability and collision insurance , you ’ re taking a significant risk .
Together they protect you and other drivers in the event of an accident but leave you vulnerable to other incidents .
The last thing you want is to wind up without your primary source of income because of a fallen tree or another incident outside your control .
That ’ s a recipe for disaster and bankruptcy .
2 .
Comprehensive Covers Far More Types of @ @ @ @ @ @ @ insurance has the name it does .
Other than collisions , there are few types of damage that comprehensive coverage doesn ’ t protect you against .
Some of the most common incidents covered include : • Damage from flying objects ( This usually covers things like rocks , falling tree limbs , thrown objects , and anything that flies through the air ) As you may have noticed , none of these are things you can control or really even protect against .
Comprehensive keeps your livelihood in case the worst happens @ @ @ @ @ @ @ Requirement If you lease your truck or are still making payments on it , there ’ s a very good chance the lienholder requires comprehensive insurance .
In these cases , you ’ ll likely need the full suite of insurance products .
These include liability , collision , uninsured motorist insurance , and comprehensive .
This ensures that you ’ re covered for any eventuality and protects the lienholder ’ s investment .
The last thing you want is to lose your primary source of income right when you have to pay @ @ @ @ @ @ @ .
4 .
Gets You Back to Work Faster For an owner-operator , time off the road costs money .
If your truck is damaged by anything other than a collision and you don ’ t have comprehensive , you have to pay out of pocket for repairs .
If it ’ s a lot of damage , you may even have to go into debt just to start earning money again .
Floods and extreme weather events present an even bigger problem .
Modern trucks have more electronics and computerization than ever @ @ @ @ @ @ @ require costly repairs up to and including replacement of your whole electrical system .
With comprehensive coverage , you ’ re protected in case the worst happens .
Comprehensive insurance allows you to pay for repairs and get moving rapidly .
Should your truck be totaled , you can put a down payment on a new one within days of payout and be back to work .
Without comprehensive insurance coverage , you leave yourself vulnerable .
With commercial trucks , you ’ re likely to cover more than 40,000 miles every year @ @ @ @ @ @ @ opportunities for something to go wrong .
Having comprehensive insurance lets , you know without a doubt that you ’ ll be made whole if the worst should happen .
It can also help protect commercial trucking companies in the event of an accident paired with a driver violation .
Litigation can get extremely expensive around those situations .
Protect Yourself and Your Livelihood For commercial drivers , their truck is their life .
Make sure your vehicle has the comprehensive benefits and coverage it needs to keep you on the road and @ @ @ @ @ @ @ Want to learn more about personal and commercial insurance services ?
Check out some of our other useful articles to find out how you can protect yourself and your loved ones .

Tractor-trailers are the lifeblood of the American economy.
For companies and owner-operators who drive them, though, they’re also a significant asset.
Like any asset, it’s essential that you provide adequate protection from all reasonable worries.
Today we’ll be discussing the comprehensive benefits of insurance so you know why it’s so important.
Comprehensive Benefits: An Insurance Overview
If you ask most people to list all their insurance benefits, you’ll get a blank look at best. It’s especially true when you’re talking about the added benefits of comprehensive insurance over standard liability insurance. Let’s break it down to see the fundamental differences between the various forms of commercial vehicle insurance.
Liability Insurance
Liability insurance is the bare minimum coverage every driver is required to have. If you are at fault for an accident involving another party, it pays out to make them whole. It doesn’t pay anything to you or compensate you for your damaged vehicle or medical issues.
With the exception of Florida, it’s a legal requirement to have liability insurance in all 50 states. There are two main types of liability insurance:
Body Injury Liability
Property Damage Liability
Body injury liability pays the medical bills of anyone injured in an accident you were at fault for. If you’re a small business owner, this is a critical consideration. Injuries from an automotive accident can cost tens or even hundreds of thousands of dollars.
If god forbid, there’s a fatality, you can be looking at a multi-million dollar payout. You should prioritize getting adequate body injury liability no matter what else you decide.
Property damage liability covers everything else in an accident. This includes damage to the other party’s vehicle, possessions, or building, in the event of a one-party collision on a structure.
Collision Insurance
Collision insurance covers damage to your vehicle from a collision. This includes striking another car, a physical object, or merely running your truck off the road because of road conditions.
Collision is the first step up from minimum required coverage and helps protect your investment. It keeps you safe in case of an at-fault accident and pays out the book value of your truck.
Any owner-operator should have adequate collision insurance to protect your investment.
Comprehensive Insurance
Comprehensive insurance covers most types of damage not caused by a collision. This includes a much more extensive list of damage-causing incidents and is an excellent idea to have.
Any kind of damage not caused by collision insurance will be covered by comprehensive.
Uninsured and Underinsured Motorist Insurance
As the name suggests, uninsured and underinsured motorist insurance protects you from other drivers. If they don’t have sufficient protection to make you whole after an accident they caused.
It can help cover the gaps of other types of insurance and generally provide you with peace of mind.
1. It Protects Your Investment
If you just have liability and collision insurance, you’re taking a significant risk. Together they protect you and other drivers in the event of an accident but leave you vulnerable to other incidents.
The last thing you want is to wind up without your primary source of income because of a fallen tree or another incident outside your control. That’s a recipe for disaster and bankruptcy.
2. Comprehensive Covers Far More Types of Damage
There’s a reason comprehensive insurance has the name it does. Other than collisions, there are few types of damage that comprehensive coverage doesn’t protect you against.
Some of the most common incidents covered include:
Vandalism and Theft
Windshield and Window Damage
Damage from flying objects (This usually covers things like rocks, falling tree limbs, thrown objects, and anything that flies through the air)
Hitting an Animal
Fire
Flood and Water Damage
Damage from Severe Weather Events
Loading Dock Damage
As you may have noticed, none of these are things you can control or really even protect against. Comprehensive keeps your livelihood in case the worst happens.
3. It May Be a Requirement
If you lease your truck or are still making payments on it, there’s a very good chance the lienholder requires comprehensive insurance. In these cases, you’ll likely need the full suite of insurance products.
These include liability, collision, uninsured motorist insurance, and comprehensive. This ensures that you’re covered for any eventuality and protects the lienholder’s investment.
The last thing you want is to lose your primary source of income right when you have to pay off the full value of your loan.
4. Gets You Back to Work Faster
For an owner-operator, time off the road costs money. If your truck is damaged by anything other than a collision and you don’t have comprehensive, you have to pay out of pocket for repairs.
If it’s a lot of damage, you may even have to go into debt just to start earning money again. Floods and extreme weather events present an even bigger problem. Modern trucks have more electronics and computerization than ever.
Even a little water damage may require costly repairs up to and including replacement of your whole electrical system. With comprehensive coverage, you’re protected in case the worst happens.
Comprehensive insurance allows you to pay for repairs and get moving rapidly. Should your truck be totaled, you can put a down payment on a new one within days of payout and be back to work.
5. Peace of Mind
Without comprehensive insurance coverage, you leave yourself vulnerable. With commercial trucks, you’re likely to cover more than 40,000 miles every year.
That’s a lot of opportunities for something to go wrong. Having comprehensive insurance lets, you know without a doubt that you’ll be made whole if the worst should happen.
It can also help protect commercial trucking companies in the event of an accident paired with a driver violation. Litigation can get extremely expensive around those situations.
Protect Yourself and Your Livelihood
For commercial drivers, their truck is their life. Make sure your vehicle has the comprehensive benefits and coverage it needs to keep you on the road and protected from any kind of damage.
Want to learn more about personal and commercial insurance services? Check out some of our other useful articles to find out how you can protect yourself and your loved ones.


newslo--2020-03-13--9 Top Finance Tips From the Pros for Startup Entrepreneurs

You have enough on your plate as a new startup .
The last thing you need is to spend all your time worrying about money .
Unfortunately , this is a trap most new businesses fall into .
Problems with cash flow are considered one of the leading causes of business failure .
You need to get your finances right if you want to run a successful startup .
Keep reading to learn nine of the top finance tips that will help you keep your new company running .
It ’ s tempting to get started right away when you @ @ @ @ @ @ @ .
It ’ s easy to get going if you keep everything running from your personal bank account .
The problem is , things can get hard to track in the future .
Create another bank account you dedicate to all your business transactions .
Doing this will help you keep your finances separate and keep track of everything you need for tax season .
A bank can also provide your business services to give you more insight into your business finances .
Get in touch with a bank to see what features @ @ @ @ @ @ @ .
A lot of financial planning happens with the big picture .
You look at the significant expenses you have and try to cut costs wherever you can .
The problem is that smaller payments often get overlooked .
Make sure to track every transaction your business makes , no matter how small it is .
Small purchases can make up a lot of your monthly expenses if you don ’ t think about each purchase you make .
Take time every month to make sure these purchases are needed .
The chances @ @ @ @ @ @ @ of the little things you buy for your company .
You don ’ t know everything that ’ s going to happen in the future .
Even the most well-researched budgets aren ’ t immune to changes .
It ’ s a problem if you don ’ t leave enough padding for going over-budget .
Always be sure to overestimate how much the cost of a project will be .
Having enough padding means you can adapt to last-minute changes and give your customers the products they are looking for on-time .
It @ @ @ @ @ @ @ business .
You needed a storefront , employees , and a handful of other expenses .
Things are easier now that we have the internet .
This means the cost of starting a new business is lower than it has ever been .
Try to use this to your advantage by eliminating as many fixed costs as you can .
The leaner you can keep your business , the better financial health you ’ ll stay in .
You ’ ll be able to save more money for future expenses and invest in @ @ @ @ @ @ @ can ’ t get away with waiting for the last minute to file your taxes as a startup .
Things are much more complicated when you file taxes as a business .
Not only do you have to keep track of your income , but you also need to track deductions and payroll expenses .
If you wait until the last minute to gather your finances , you might not have enough time to finish everything on time .
The best idea in the world is worthless if people don ’ t know @ @ @ @ @ @ @ startup to succeed financially , you need to find your customers and make them happy .
Talk with your customers regularly to find out if they are happy with your service .
Your goal is to look for problems and fix them , so your customers don ’ t leave unhappy .
The happier you can keep your customers , the more likely they will be to buy from you again and recommend their friends .
Even if all your finances are perfect , you might not have the cash flow you need @ @ @ @ @ @ @ source of funding can help accelerate things .
Look for small business loans and credit lines for when you want to grow .
Make sure you create a plan for using your funds if you go this route .
You don ’ t want to raise funds for a bad idea and put your business into debt .
8 .
Make It Easy to Pay You Staying on top of invoices is one of the most vital parts of a new business .
Unfortunately , many people still rely on the old ways @ @ @ @ @ @ @ If you ’ re using email and paper documents to manage client payments , you ’ re doing things the hard way .
You can make things easier on yourself and your customers by using online tools to handle your payments .
Online software like Banq24 will give you the ability to send and receive payments online .
You can log in to see any outstanding payments you ’ re waiting for , and automatically send reminders to overdue customers .
9 .
Hire an Expert to Help It takes a lot of @ @ @ @ @ @ @ you spend all your time focusing on money , you might end up losing focus on the things that make your business work .
Instead of spending time on the thing you aren ’ t an expert at , bring in somebody to help with your accounting .
Reach out to the accounting firms in your area to find someone who can help .
You don ’ t need to hire somebody full-time .
You only need someone to look over things once in a while and inform you of problems and places @ @ @ @ @ @ @ t Ignore the Top Finance Tips Out There It only takes one mistake to wreck the finances of your business .
Always keep the top finance tips in mind , so you have insight into everything that happens in your business .
The more information you have , the better decisions you ’ re going to make .
Once you get your cash flow under control , you can start working on the essential parts of your business .
Keep reading our blog to read the latest business news and tips that will @ @ @ @ @ @ @ business .

You have enough on your plate as a new startup. The last thing you need is to spend all your time worrying about money.
Unfortunately, this is a trap most new businesses fall into. Problems with cash flow are considered one of the leading causes of business failure.
You need to get your finances right if you want to run a successful startup. Take a look at these successful examples of web design for tech startups here and keep reading to learn nine of the top finance tips that will help you keep your new company running.
1. Separate Your Personal and Business Finances
It’s tempting to get started right away when you come up with a great business idea. It’s easy to get going if you keep everything running from your personal bank account. The problem is, things can get hard to track in the future.
Create another bank account you dedicate to all your business transactions. Doing this will help you keep your finances separate and keep track of everything you need for tax season.
A bank can also provide your business services to give you more insight into your business finances. Get in touch with a bank to see what features a business bank account can offer you.
2. Watch the Small Expenses
A lot of financial planning happens with the big picture. You look at the significant expenses you have and try to cut costs wherever you can. The problem is that smaller payments often get overlooked.
Make sure to track every transaction your business makes, no matter how small it is. Small purchases can make up a lot of your monthly expenses if you don’t think about each purchase you make.
Take time every month to make sure these purchases are needed. The chances are you can do without a lot of the little things you buy for your company.
3. Don’t Under-Budget
You don’t know everything that’s going to happen in the future. Even the most well-researched budgets aren’t immune to changes. It’s a problem if you don’t leave enough padding for going over-budget.
Always be sure to overestimate how much the cost of a project will be. Having enough padding means you can adapt to last-minute changes and give your customers the products they are looking for on-time.
4. Limit Your Fixed Costs
It used to be expensive to start a business. You needed a storefront, employees, and a handful of other expenses. Things are easier now that we have the internet.
This means the cost of starting a new business is lower than it has ever been. Try to use this to your advantage by eliminating as many fixed costs as you can.
The leaner you can keep your business, the better financial health you’ll stay in. You’ll be able to save more money for future expenses and invest in the growth of your company.
5. Plan Ahead for Taxes
You can’t get away with waiting for the last minute to file your taxes as a startup. Things are much more complicated when you file taxes as a business.
Not only do you have to keep track of your income, but you also need to track deductions and payroll expenses. If you wait until the last minute to gather your finances, you might not have enough time to finish everything on time.
6. Focus on Your Customers
The best idea in the world is worthless if people don’t know about it. If you want your startup to succeed financially, you need to find your customers and make them happy.
Talk with your customers regularly to find out if they are happy with your service. Your goal is to look for problems and fix them, so your customers don’t leave unhappy.
The happier you can keep your customers, the more likely they will be to buy from you again and recommend their friends.
7. Find Additional Funding Sources
Even if all your finances are perfect, you might not have the cash flow you need to expand your business. Having another source of funding can help accelerate things.
Look for small business loans and credit lines for when you want to grow. Make sure you create a plan for using your funds if you go this route. You don’t want to raise funds for a bad idea and put your business into debt.
8. Make It Easy to Pay You
Staying on top of invoices is one of the most vital parts of a new business. Unfortunately, many people still rely on the old ways to keep on top of things.
If you’re using email and paper documents to manage client payments, you’re doing things the hard way. You can make things easier on yourself and your customers by using online tools to handle your payments.
Online software like Banq24 will give you the ability to send and receive payments online. You can log in to see any outstanding payments you’re waiting for, and automatically send reminders to overdue customers.
9. Hire an Expert to Help
It takes a lot of work to run a startup. If you spend all your time focusing on money, you might end up losing focus on the things that make your business work.
Instead of spending time on the thing you aren’t an expert at, bring in somebody to help with your accounting. Reach out to the accounting firms in your area to find someone who can help.
You don’t need to hire somebody full-time. You only need someone to look over things once in a while and inform you of problems and places you can save money.
Don’t Ignore the Top Finance Tips Out There
It only takes one mistake to wreck the finances of your business. Always keep the top finance tips in mind, so you have insight into everything that happens in your business. The more information you have, the better decisions you’re going to make.
Once you get your cash flow under control, you can start working on the essential parts of your business. Keep reading our blog to read the latest business news and tips that will help you move the needle for your business.


newslo--2020-03-13--Your Ultimate Guide to Creative Logo Placement

Do you want to make your company logo even better ?
Establishing your brand ’ s identity is important to stay relevant in the marketing scene today .
Failing to do this will mean other companies will wash over yours , leaving you lost and irrelevant to the public .
It will also make it harder for you to gain a following since customers won ’ t trust an unfamiliar brand .
Among the key elements for brand recognition is a company ’ s logo .
It helps consumers recognize a brand using only a creative design or a witty @ @ @ @ @ @ @ know is that logo placement is as important as the logo itself .
Knowing where to place your logos will help you and your marketing strategy succeed .
Read on to learn the best place and items to put your company logo on .
Most of the Internet ’ s population spends most of their time on different social media platforms .
They get most of their media consumption on these sites , and they also share their experiences here .
Plastering your logo as a banner ad on these websites is a @ @ @ @ @ @ @ your brand .
Different social media platforms call for different logo formats .
Websites crop your logo if the image is too big , and how they will crop it will differ on each platform .
Learning the different ways they crop images on certain platforms will be essential to keep your logo from getting cropped .
You can also make your logo small enough to need no cropping .
Doing this ensures that your logo will always be whole .
This will improve your brand image and recognizability on these websites .
@ @ @ @ @ @ @ will lead to them getting clicks .
When someone clicks on them , it will take that person to your social media profile .
It ’ s a great way to introduce them to your products and services .
It can also take them to your company website ’ s landing page .
If you ’ ve set your ads to take them there , then you want to leave a lasting impression on the visitors .
Placing your logo here again will help burn your brand into their memories .
When you @ @ @ @ @ @ @ is in working order .
Your landing page must be functional and the website easy to navigate .
You don ’ t want your logo to have an association with bad web design .
Since most people have smartphones nowadays , it ’ s a good idea to place your logos on these items .
People will look for ways to protect their phones , and these cases are enough to do this .
Some also pick phone cases out of style and to accessorize .
This means someone will take a phone @ @ @ @ @ @ @ whether it be because of practicality or style .
Using these cases as your advertising medium is effective for two reasons .
People always carry their phones with them , and doing this is an excellent way to include your brand in their routine .
It also helps spread awareness of your brand .
People who will see your logo on the case will become curious about your company .
This will cause them to search for you online , increasing your SEO score .
Business cards are always great mediums for logo @ @ @ @ @ @ @ of your company this way , and giving them out is as easy as it can get .
Any good business card will also carry your product/services , making for a useful marketing tool .
This is an excellent way to increase local awareness of your brand .
Giving out these cards increases the probability of someone using your product/service .
This will start a cascading effect where they recommend you if they like their experience with your brand .
If you ’ re looking to expand your reach beyond the local area @ @ @ @ @ @ @ go .
Doing this is a great way to introduce your brand to new areas .
Most people have to drive to different cities to work , and this helps you get a foothold in the areas they travel to .
This is a good idea if you want to expand your brand .
Ensuring the future of your brand means you must open more locations .
Investing in bumper sticker logos is a good start to letting people in the new area aware of your brand .
Integrating the company logo on @ @ @ @ @ @ @ This will define your company and your service .
Perfecting the placement on these packages is essential to solidify your identity .
If your products are clothes or anything with zippers on it , avoid placing your logo there .
The zipper will break your design and leave it indecipherable .
Consumers will not understand the logo and won ’ t help you associate your brand with the product .
If your products come with a separate container , ensure that your logo is visible .
An obstructed logo will be hard to @ @ @ @ @ @ @ not associate your brand with the product .
If your company is like a delivery service , printing your logo on your containers is ideal .
Understanding packaging design will help you be effective in placing your logos .
Putting your logo on beverage containers is a surefire way to spread brand awareness .
Everyone needs a drink during the day .
With the different tastes that people have , you have choices on which containers you will use .
You can play it safe and use water bottles to carry your logo @ @ @ @ @ @ @ individuals will note your brand .
You can also consider coffee cups as your logo carriers .
Coffee is a staple for most adults as it helps them get through the day .
Coffee is also essential for some to get a boost of energy while they work through a graveyard shift .
Your logo on these containers will burn your brand in their minds .
Since beverages are essential in a person ’ s day , you ’ ll spread awareness in no time .
Your company ’ s logos need more @ @ @ @ @ @ @ .
Increase your brand awareness by perfecting your logo placement today !
Want to learn more about effective marketing ?
If you do , don ’ t hesitate to explore our content for more information , lists , and guides today !

Do you want to make your company logo even better?
Establishing your brand’s identity is important to stay relevant in the marketing scene today. Failing to do this will mean other companies will wash over yours, leaving you lost and irrelevant to the public.
It will also make it harder for you to gain a following since customers won’t trust an unfamiliar brand.
Among the key elements for brand recognition is a company’s logo. It helps consumers recognize a brand using only a creative design or a witty slogan. What people don’t know is that logo placement is as important as the logo itself.
Knowing where to place your logos will help you and your marketing strategy succeed. Read on to learn the best place and items to put your company logo on.
1. Social Media Profiles
Most of the Internet’s population spends most of their time on different social media platforms.
They get most of their media consumption on these sites, and they also share their experiences here. Plastering your logo as a banner ad on these websites is a good way to get some attention for your brand.
Different social media platforms call for different logo formats.
Websites crop your logo if the image is too big, and how they will crop it will differ on each platform. Learning the different ways they crop images on certain platforms will be essential to keep your logo from getting cropped.
You can also make your logo small enough to need no cropping. Doing this ensures that your logo will always be whole. This will improve your brand image and recognizability on these websites.
2. Company Website’s Landing Page
Placing your logos on social media platforms will lead to them getting clicks.
When someone clicks on them, it will take that person to your social media profile. It’s a great way to introduce them to your products and services.
It can also take them to your company website’s landing page.
If you’ve set your ads to take them there, then you want to leave a lasting impression on the visitors. Placing your logo here again will help burn your brand into their memories.
When you do this, ensure that your website is in working order. Your landing page must be functional and the website easy to navigate. You don’t want your logo to have an association with bad web design.
3. Smartphone Cases
Since most people have smartphones nowadays, it’s a good idea to place your logos on these items.
People will look for ways to protect their phones, and these cases are enough to do this. Some also pick phone cases out of style and to accessorize.
This means someone will take a phone case with your logo on it, whether it be because of practicality or style.
Using these cases as your advertising medium is effective for two reasons. People always carry their phones with them, and doing this is an excellent way to include your brand in their routine.
It also helps spread awareness of your brand. People who will see your logo on the case will become curious about your company. This will cause them to search for you online, increasing your SEO score.
4. Business Cards
Business cards are always great mediums for logo placement.
You can carry a representation of your company this way, and giving them out is as easy as it can get. Any good business card will also carry your product/services, making for a useful marketing tool.
This is an excellent way to increase local awareness of your brand.
Giving out these cards increases the probability of someone using your product/service. This will start a cascading effect where they recommend you if they like their experience with your brand.
5. Bumper Stickers
If you’re looking to expand your reach beyond the local area, bumper stickers are the way to go.
Doing this is a great way to introduce your brand to new areas. Most people have to drive to different cities to work, and this helps you get a foothold in the areas they travel to.
This is a good idea if you want to expand your brand. Ensuring the future of your brand means you must open more locations. Investing in bumper sticker logos is a good start to letting people in the new area aware of your brand.
6. Retail Packages
Integrating the company logo on your packages and products is essential.
This will define your company and your service. Perfecting the placement on these packages is essential to solidify your identity.
If your products are clothes or anything with zippers on it, avoid placing your logo there. The zipper will break your design and leave it indecipherable.
Consumers will not understand the logo and won’t help you associate your brand with the product.
If your products come with a separate container, ensure that your logo is visible. An obstructed logo will be hard to decipher. This also causes people to not associate your brand with the product.
If your company is like a delivery service, printing your logo on your containers is ideal. Understanding packaging design will help you be effective in placing your logos.
7. Beverage Containers
Putting your logo on beverage containers is a surefire way to spread brand awareness.
Everyone needs a drink during the day. With the different tastes that people have, you have choices on which containers you will use.
You can play it safe and use water bottles to carry your logo. Water is essential, and health-conscious individuals will note your brand.
You can also consider coffee cups as your logo carriers.
Coffee is a staple for most adults as it helps them get through the day. Coffee is also essential for some to get a boost of energy while they work through a graveyard shift.
Your logo on these containers will burn your brand in their minds. Since beverages are essential in a person’s day, you’ll spread awareness in no time.
Learn All About Logo Placement Today
Your company’s logos need more than a good design to be effective. Increase your brand awareness by perfecting your logo placement today!
Want to learn more about effective marketing?
If you do, don’t hesitate to explore our content for more information, lists, and guides today!


newslo--2020-03-13--Creative Logos: 5 Key Tips for Designing Your Business Logo

It takes five to seven viewings before someone remembers a brand .
If you want someone to remember your brand better , you need a memorable logo .
The best logos are simple and unique .
You see creative logos in marketing every day , but how many of them are successful at marketing a business ?
There are a few rules that all great logos follow .
Read this guide and find out five of them to keep in mind when designing your logo .
You want your logo to stand out , so you need to know what @ @ @ @ @ @ @ help you avoid creating a logo that ’ s too similar .
Creating a logo that ’ s easily confused with your competitor isn ’ t smart branding and could land you in legal trouble .
Once you ’ ve created your logo , protect it from possible copycats by having it copyrighted and trademarked .
This will allow you to legally stop someone from stealing your business by creating a logo slightly off from yours and confusing consumers .
Your logo needs to be a simple image that someone can look at @ @ @ @ @ @ @ s your company .
This means keep the small details to a minimum .
Stick to one font and your brand name .
Keep the colors minimal .
There should never be more than two or three .
If you ’ re unsure of your logo , try looking at it shrunk to a small size .
Does it become hard to decipher ?
This means it ’ s too busy .
Sometimes people get so wrapped up in their design ; they forget to look beyond it .
This tends to happen @ @ @ @ @ @ @ in the design .
But your audience will notice .
The first thing you should check for is that you don ’ t accidentally create anything inappropriate .
Then you should consider if you can make the negative space work in your favor .
4 .
Think About Your Brand You want the logo to be a representation of your brand .
So if you have a more formal company , you want the logo to reflect that sophistication .
If your company is more fun , then your logo can be more @ @ @ @ @ @ @ create a logo with an online logo maker .
But this doesn ’ t mean you ’ re done .
Instead , create a few different options and play around with several ideas .
Then live with the logo options for a while and think about what you like and don ’ t like .
You can develop the logos from there .
This slower process will ensure you create the best possible product .
You ’ re now ready to start designing some creative logos .
Remember , keep it simple and @ @ @ @ @ @ @ t rush the process and don ’ t be afraid to use the negative space .
Once you have the perfect design , make sure it doesn ’ t infringe on your competitors .
Check out our other business article to help make your company a success .

It takes five to seven viewings before someone remembers a brand. If you want someone to remember your brand better, you need a memorable logo. The best logos are simple and unique.
You see creative logos in marketing every day, but how many of them are successful at marketing a business? There are a few rules that all great logos follow. Read this guide and find out five of them to keep in mind when designing your logo.
1. Know the Competition
You want your logo to stand out, so you need to know what everyone else is doing. This will help you avoid creating a logo that’s too similar. Creating a logo that’s easily confused with your competitor isn’t smart branding and could land you in legal trouble.
Once you’ve created your logo, protect it from possible copycats by having it copyrighted and trademarked. This will allow you to legally stop someone from stealing your business by creating a logo slightly off from yours and confusing consumers.
2. Keep It Simple
Your logo needs to be a simple image that someone can look at quickly and instantly recognize that it’s your company. This means keep the small details to a minimum.
Stick to one font and your brand name. Keep the colors minimal. There should never be more than two or three.
If you’re unsure of your logo, try looking at it shrunk to a small size. Does it become hard to decipher? This means it’s too busy.
3. Don’t Forget the Negative Space
Sometimes people get so wrapped up in their design; they forget to look beyond it. This tends to happen when you’re focused and invested in the design. But your audience will notice.
The first thing you should check for is that you don’t accidentally create anything inappropriate. Then you should consider if you can make the negative space work in your favor.
4. Think About Your Brand
You want the logo to be a representation of your brand. So if you have a more formal company, you want the logo to reflect that sophistication. If your company is more fun, then your logo can be more whimsical.
5. Don’t Rush the Process
You can quickly and easily create a logo with an online logo maker. But this doesn’t mean you’re done. Instead, create a few different options and play around with several ideas.
Then live with the logo options for a while and think about what you like and don’t like. You can develop the logos from there. This slower process will ensure you create the best possible product.
Start Designing Creative Logos
You’re now ready to start designing some creative logos. Remember, keep it simple and true to your brand.
Don’t rush the process and don’t be afraid to use the negative space. Once you have the perfect design, make sure it doesn’t infringe on your competitors.
Check out our other business article to help make your company a success.


newslo--2020-03-13--Leverage Platforms to Find the Lowest Moving Quotes

Relocation is one of the most hyper-segmented industries , particularly in large cities such as New York City or San Francisco .
Finding moving quotes can be a daunting task – it requires calling and sharing a lot of information about your move with each company .
A typical sales phone call to obtain a guaranteed flat rate quote will likely take about 12-15 minutes .
Even as online reviews for moving companies are on the rise , picking a reputable mover at the right cost can take a really long time .
Instead of contacting each company individually , @ @ @ @ @ @ @ platforms to reach hundreds of movers in one place , manage your quotes and select the right company for you .
What are these moving platforms ?
There are several popular platforms available in most US cities today .
These platforms allow you to shop for moving quotes in one place and help you get the best deal on your move in one place .
The idea is much like Google Flights for plane tickets , TripAdvisor for hotel prices or Uber for local drivers .
You make one request , and get @ @ @ @ @ @ @ .
The simple answer is competition .
When movers know that they are competing with dozens or hundreds of other movers for your business , they know they have to start with their most competitive offer to have a shot at booking your job .
As a result , high-balling just does not work on these platforms .
Beyond just competition , low acquisition costs for small businesses mean that instead of spending hundreds of dollars on an advertising campaign , they can come to the platform and book extra moving jobs when @ @ @ @ @ @ @ their advertising costs , these small business can pass a portion of the savings to you .
Lastly , mover ’ s pricing largely depends on their supply and demand .
If a particular mover has a lot of slots available for a particular day , they are likely to scan platforms and offer unbeatable deals to fill in their schedule .
Particularly if you are moving in the off-season or your dates are flexible , you can extend your savings on moving platforms by pushing for a date with little demand .
@ @ @ @ @ @ @ , Moved , uShip , and Unpakt .
They all have their strengths and weaknesses .
Our recommended platform is CityMove .
The website interface is very simple , the complete onboarding can be done on a mobile device or desktop and the entire process takes users on average 4 minutes ( but can be a bit longer for larger moves ) .
The best part about CityMove is that real mover representatives have to review your information and submit an approved proposal before you are notified .
In just a couple of @ @ @ @ @ @ @ 8 human prepared proposals , including CityMove verified reviews for you to compare .
If you have questions you can ask them on the job forum and all the moving companies will be notified .

Relocation is one of the most hyper-segmented industries, particularly in large cities such as New York City or San Francisco. Finding moving quotes can be a daunting task – it requires calling and sharing a lot of information about your move with each company. A typical sales phone call to obtain a guaranteed flat rate quote will likely take about 12-15 minutes. Even as online reviews for moving companies are on the rise, picking a reputable mover at the right cost can take a really long time. Instead of contacting each company individually, you can use one of the moving platforms to reach hundreds of movers in one place, manage your quotes and select the right company for you.
What are these moving platforms?
There are several popular platforms available in most US cities today. These platforms allow you to shop for moving quotes in one place and help you get the best deal on your move in one place. The idea is much like Google Flights for plane tickets, TripAdvisor for hotel prices or Uber for local drivers. You make one request, and get to compare quotes from local service providers.
Why are moving platforms cheaper?
The simple answer is competition. When movers know that they are competing with dozens or hundreds of other movers for your business, they know they have to start with their most competitive offer to have a shot at booking your job. As a result, high-balling just does not work on these platforms.
Beyond just competition, low acquisition costs for small businesses mean that instead of spending hundreds of dollars on an advertising campaign, they can come to the platform and book extra moving jobs when they need them. By saving on their advertising costs, these small business can pass a portion of the savings to you.
Lastly, mover’s pricing largely depends on their supply and demand. If a particular mover has a lot of slots available for a particular day, they are likely to scan platforms and offer unbeatable deals to fill in their schedule. Particularly if you are moving in the off-season or your dates are flexible, you can extend your savings on moving platforms by pushing for a date with little demand.
Where to start?
The most popular mover platforms include CityMove, Moved, uShip, and Unpakt. They all have their strengths and weaknesses. Our recommended platform is CityMove. The website interface is very simple, the complete onboarding can be done on a mobile device or desktop and the entire process takes users on average 4 minutes (but can be a bit longer for larger moves). The best part about CityMove is that real mover representatives have to review your information and submit an approved proposal before you are notified. In just a couple of hours, you can have up to 8 human prepared proposals, including CityMove verified reviews for you to compare. If you have questions you can ask them on the job forum and all the moving companies will be notified.
Happy moving, and enjoy the savings!


newslo--2020-03-14--YouTube Creator Hacks: How to Make a Logo for YouTube

Did you know that there are more than 2 billion unique visitors on YouTube each month ?
This makes YouTube one of the most popular and appreciated online social platforms in the world .
It also provides a great opportunity for people to show their skills or promote products and services .
But you can not become successful with YouTube if you don ’ t have your logo .
If you haven ’ t created a logo for your channel yet , you should learn how to make a logo for YouTube so that you can easily promote yourself .
@ @ @ @ @ @ @ it !
Come Up With a Few Ideas and Color Combinations This is the most fun part because you get the chance to get creative and experiment with multiple visual elements .
For example , you can try a few color combinations using a bold color and a neutral one .
It ’ s important to have a contrast between the colors so that your logo stands out better .
When it comes to the other visual elements , you can use simple shapes such as circles , squares , and triangles .
@ @ @ @ @ @ @ names and you can do this too .
You can also create your own logo in various design programs such as Photoshop and Illustrator so you can add more visual effects .
Go for a Size of 800px By 800px for Best Results As you probably know already , a YouTube logo is displayed as a small circle .
However , it ’ s important to upload an image of roughly 800px by 800px because this will ensure that your logo will be sharp and clear on all screens .
You can upload @ @ @ @ @ @ @ file as these are the most common supported formats .
Since YouTube crops the sides of your image and displays only a circle , make sure that you don ’ t put important information on the sides .
Your acronym or logo should be placed in the middle of the image , so it ’ s always visible .
For more tips and tricks that can streamline the whole process , you should learn how to make your YouTube logo using special tools online .
Upload Your Logo and Adjust It According to @ @ @ @ @ @ @ with your logo , it ’ s time to upload it online and see the end result .
Go to your channel and click on the “ Edit ” button next to your channel ’ s name .
Upload your logo and adjust it accordingly .
You have the possibility to crop it a little , so the central elements are more or less in focus .
Once you have done that , click “ Save ” or “ Done ” and admire your beautiful channel logo !
Now You Know How to @ @ @ @ @ @ @ this article answered your original question – how to make a logo for YouTube .
The process is not complicated , you just have to be dedicated and patient when it comes to creating the logo and blending the visual elements together .
To learn more about creating beautiful logos , how to improve your artistic skills , and become better at web design , make sure that you check out the other articles on our website !

Did you know that there are more than 2 billion unique visitors on YouTube each month? This makes YouTube one of the most popular and appreciated online social platforms in the world. It also provides a great opportunity for people to show their skills or promote products and services. Did you know? You can now download vanced youtube from your phone. Check out Brighterguide for more information.
But you cannot become successful with YouTube if you don’t have your logo. If you haven’t created a logo for your channel yet, you should learn how to make a logo for YouTube so that you can easily promote yourself. Keep reading to learn how to do it!
Come Up With a Few Ideas and Color Combinations
This is the most fun part because you get the chance to get creative and experiment with multiple visual elements. For example, you can try a few color combinations using a bold color and a neutral one. It’s important to have a contrast between the colors so that your logo stands out better.
When it comes to the other visual elements, you can use simple shapes such as circles, squares, and triangles. Some people create an acronym from their names and you can do this too. You can also create your own logo in various design programs such as Photoshop and Illustrator so you can add more visual effects.
Go for a Size of 800px By 800px for Best Results
As you probably know already, a YouTube logo is displayed as a small circle. However, it’s important to upload an image of roughly 800px by 800px because this will ensure that your logo will be sharp and clear on all screens. You can upload your logo as a .png or .jpg file as these are the most common supported formats.
Since YouTube crops the sides of your image and displays only a circle, make sure that you don’t put important information on the sides. Your acronym or logo should be placed in the middle of the image, so it’s always visible. For more tips and tricks that can streamline the whole process, you should learn how to make your YouTube logo using special tools online.
Upload Your Logo and Adjust It According to Your Preferences
Once you’re happy with your logo, it’s time to upload it online and see the end result. Go to your channel and click on the “Edit” button next to your channel’s name. Upload your logo and adjust it accordingly. You have the possibility to crop it a little, so the central elements are more or less in focus. Once you have done that, click “Save” or “Done” and admire your beautiful channel logo!
Now You Know How to Make a Logo for YouTube
Hopefully, this article answered your original question – how to make a logo for YouTube. The process is not complicated, you just have to be dedicated and patient when it comes to creating the logo and blending the visual elements together.
To learn more about creating beautiful logos, how to improve your artistic skills, and become better at web design, make sure that you check out the other articles on our website!