How Much Apartment Can You Afford?

How Much Apartment Can You Afford?

By David Riewe

Deciding how much apartment they can afford is one of the most important decisions a renter will have to make. This decision will help to determine a number of factors include the size and location of the potential apartment as well as the types of amenities offered. Those who are interested in renting an apartment will have to consider all of their current expenses in comparison to their monthly cash flow. They will also have to determine whether or not there are changes they can make to their current budget to make a larger or more well situated apartment affordable.

Consider All of Your Expenses

When deciding how much apartment they can afford, renters should carefully consider all of their monthly expenses in relation to their monthly income. Expenses may include, but are not limited to, utilities such as gas, water and electric, telephone, cell phone, Internet services, cable television, car insurance, renter’s insurance, gas for car, cost of commuting to work, groceries and other incidental charges. Subtracting these costs from the monthly income will give the renter a good idea of how much money they can afford to spend on rent each month. Renters might also consider subtracting an additional amount out of their monthly income to give them the opportunity to save some money each month.

Expenses to be considered should also include expenses for entertainment purposes such as dining in restaurants, going to movie theaters or cultural events. Even movie rentals should be considered in this category. Considering these expenses is necessary because otherwise the renter may not allot a portion of their budget for such purposes and may find themselves unable to participate in some previously enjoyed leisure activities.

[youtube]http://www.youtube.com/watch?v=KtjMZ59Xv2A[/youtube]

Is There Room for Improvement?

When examining the monthly budget, renter should take the opportunity to determine whether or not there is room for improvement in their current financial situation. For example a renter may find they are able to minimize their monthly bills by obtaining their car insurance and renter’s insurance from the same insurance carrier. The carrier may be willing to offer a discount to a customer who utilizes their services for more than one type of insurance. Likewise there may be the opportunity to minimize expenses by bundling services such as telephone, Internet and possibly even cable television.

Also, consider entertainment expenses as an opportunity for financial improvement. If a renter currently eats out in restaurants for dinner on both Friday and Saturday of every week, they could consider limiting these dining experiences to only one night a week or even only one night every other week. This can result in a significant cost savings which may enable the renter to afford a more expensive apartment.

Other areas where renters can sometimes cut expenses are on cell phone bills and cable television bills. Examine your cell phone bill carefully. If you are not using all of your minutes each month, it might be worthwhile to switch to a plan with fewer minutes. This would lower your monthly bill without causing you to make any sacrifices. One area where sacrificing might contribute to more monthly cash flow is with cable television. Renters who pay higher fees for premium channels can consider eliminating these channels. All of these small changes to monthly spending can contribute to the renter being able to afford a more expensive apartment which may be larger or in a better location than the apartment they would be able to afford without making changes.

Is There a Need for Improvement?

Although trimming superfluous expenses is always a good financial strategy, renters should determine if this is necessary in terms of their rental situation before making drastic changes. Once a renter has established the amount of money they can afford to spend in rent, they can start to look for available apartments in that price range. If the renter is happy with the choices available to them at this time, there may not be a need to make financial adjustments at this time. However, if the renter is not happy with the options available, financial changes and stricter budgeting are warranted.

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Australian murder victims killed in different ways

Thursday, July 3, 2008

69-year-old grandfather John Walsh stands accused of murdering three victims in the small New South Wales town of Cowra. All victims were killed in different ways.

Media organisations have reported that the 69-year-old man killed his five year old grand daughter by drowning; her seven year old brother was killed by a blunt force trauma to the back of the head, and his wife was killed by multiple axe wounds to her body – including her head.

New South Wales Police could not confirm the post-mortem examination, saying that the results of the post-mortem examination are not expected to be finalised for a couple of days and may not be immediately made public.

The 69-year-old man, who went before Deniliquin Local Court on July 1, 2008, was refused bail and charged with three counts of murder and one count of attempted murder. He is currently in a special holding cell on 24-hour watch at the Junee Correctional Centre. A further appearance is due in Wagga Wagga Local Court via an audio-visual link on July 7, 2008.

Experts raise serious questions over safety of U.S. oil industry and warn another spill may be ‘unavoidable’

Saturday, April 16, 2011

One year after the Deepwater Horizon disaster which caused the largest oil spill in the history of the petroleum industry and caused huge environmental damage in the Gulf of Mexico, experts have warned there are serious questions over the safety of deep water drilling as the United States government approves more exploration without improving safety measures.

I have seen no evidence that they have marshaled containment efforts that are sufficient to deal with another major spill. I don’t think they have found ways to change the corporate culture sufficiently to prevent future accidents.

Scientists have raised major concerns over repeated assurances from the industry and the government, who insist lessons have been learned from the environmental disaster in the Gulf of Mexico. Charles Perrow, a professor at Yale University, said the oil industry “is ill prepared at the least” to deal with another oil spill. “I have seen no evidence that they have marshaled containment efforts that are sufficient to deal with another major spill,” he said.

While the government has implemented new regulations, technical systems for stopping oil flowing from a leaking well, and increased oversight from oil officials, Perrow said deep water drilling had become no less dangerous. “I don’t think they have found ways to change the corporate culture sufficiently to prevent future accidents,” he said. “There are so many opportunities for things to go wrong that major spills are unavoidable.”

Last year, Doug Inkley, a scientist at the National Wildlife Federation, said the culture of an “addiction to oil” was ultimately responsible for the catastrophe. “How long must we wait for lawmakers to act to prevent future disasters? How many more lives, livelihoods and animals must be claimed by our addiction to oil?” Greenpeace also slammed BP, who ran Deepwater Horizon, for how they allowed the disaster to happen. “The age of oil is coming to an end and companies like BP will be left behind unless they begin to adapt now,” the organization said.

However, under pressure from industry executives the administration of president Barack Obama has resumed issuing drilling permits. It is understood regulators are still allowing oil companies to obtain drilling permits before reviewing new spill response plans. “I’m not an oddsmaker, but I would say in the next five years we should have at least one major blowout,” Perrow said. “Even if everybody tries very hard, there is going to be an accident caused by cost-cutting and pressure on workers. These are moneymaking machines and they make money by pushing things to the limit.”

BP has insisted it has changed safety procedures. The oil giant came under heavy criticism for how it handled the crisis, and other major oil companies insisted Deepwater Horizon was a result of a culture exclusive to BP. Michael Bromwich, the director of the Bureau of Ocean Energy Management, Regulation and Enforcement (BOEMRE), the U.S. government agency responsible for regulating offshore drilling, said the view was “as disappointing as it is shortsighted,” and the issue of deep water safety was “a broad problem.”

The warnings came as it emerged BP had attempted to take control of an independent study into the environmental consequences of the Deepwater Horizon spill. Internal emails expose how BP executives attempted to influence the study, which was funded by a US$500m grant from the oil company. The study may be part of the final verdict as to what penalties, fines and criminal charges are brought against the company. Greenpeace, who uncovered the emails through a Freedom of Information Act request, attacked the reportedly unsuccessful attempts to influence the supposedly independent study as “outrageous”.

My community is dead. We’ve worked five generations there and now we’ve got a dead community. I’m angry, I’ve been angry a long time.

Protesters rallied outside BP’s annual conference in London this week, where shareholders met for the first time since the disaster off the Gulf coast. Executives faced questions over their competence and large salaries from angry shareholders, many of whom disapproved of the appointment of Carl-Henric Svanberg as chairman and Sir Bill Castell as the head of BP’s safety board.

Some demonstrators purchased shares in BP in an attempt to get inside the meeting; one woman, a fisherwoman who lives on the Gulf Coast was arrested after pouring a black substance down herself at the entrance to the conference centre and refusing to move. “I have travelled all the way over from the Gulf Coast and I just wanted to talk those responsible for destroying my community,” she said as she was led away by police. “My community is dead. We’ve worked five generations there and now we’ve got a dead community. I’m angry, I’ve been angry a long time.”

Court rules Massey can appeal US restrictions in mine disaster investigation

Monday, June 13, 2011

In a unanimous decision, a US federal appeals court issued a ruling Friday against the federal government, in favor of Massey Energy Co, owner of the Upper Branch Mine in West Virginia, the location of last year’s mine disaster that killed 29 workers. The court ruled the company may appeal the restrictions placed on it by a government order hindering the company’s ability to conduct its own internal investigation of the disaster.

The order controlling Massey’s investigations into the disaster was placed on Massey immediately after the incident by the Mine Safety and Health Administration (MSHA) when it seized control of the coal mine six hours after the blast on April 5.

MSHA’s controls prohibited Massey from “taking or retaining photographs, collecting and preserving mine dust samples, employing mine mapping technology, and participating in or objecting to any destructive testing of materials gathered underground.” Massey said MSHA’s restrictions prevented the company from evaluating the accident site before it was altered by investigators, and denied Massey the chance to gather evidence to use in the company’s defense.

The story of Upper Big Branch is a cautionary tale of hubris. A company that was a towering presence in the Appalachian coal fields operated its mines in a profoundly reckless manner, and 29 coal miners paid with their lives for the corporate risk taking.

Massey’s appeal to the Federal Mine Safety and Health Review Commission (the commission that decides disputes over mining regulations) to void the order by MSHA was denied by the commission. It based its decision on its interpretation of the Mine Act that it had no authority to consider Massey’s appeal. The United States Court of Appeals for the District of Columbia Circuit set aside this decision, finding the commission’s interpretation of the act was “simply untenable” and the government’s actions had denied Massey the opportunity to gather “potentially important exculpatory evidence”.

The court rejected the commission’s position that the Mine Act’s language was ambiguous, allowing the government flexibility in its implementation. Rather, the court said, “No matter how you parse it, [the act] is a model of near-perfect clarity. Indeed, it is hard to imagine a clearer expression of congressional language.” It also rejected the commission’s position that the case was moot: “This case is not moot. Indeed, even the [Labor] Secretary’s counsel recognized the near-frivolity of this argument, and made only a half-hearted attempt to persuade us.”

This case is not moot. Indeed, even the Secretary’s counsel recognized the near-frivolity of this argument, and made only a half-hearted attempt to persuade us.

The court’s ruling comes after a state government-comissioned report issued on May 19 by investigators found Massey Energy responsible for the deaths of the 29 workers. The workers were killed in an explosion that could have been avoided, the report said, if Massey had put in place standard safety procedures.

“The story of Upper Big Branch is a cautionary tale of hubris. A company that was a towering presence in the Appalachian coal fields operated its mines in a profoundly reckless manner, and 29 coal miners paid with their lives for the corporate risk taking,” the report read. “The company’s ventilation system did not adequately ventilate the mine. As a result, explosive gases were allowed to build up.” The report detailed claims Massey threatened miners with termination if they stopped work in areas that lacked adequate oxygen levels and listed numerous other state and federal safety standards that Massey failed to follow. Also blamed in the report was MSHA for failing to enforce federal regulations.

The report was considered by the those in the mining industry as especially direct and “hard hitting”. It firmly rejected conclusions reached by Massey officials that the incident was caused by an unexpected, massive, and uncontrollable methane bubble eruption, an occurrence that Massey said it could neither predict nor manage.

The company immediately challenged the report and issued its own report on June 3, blaming the blast on an act of nature and denying the company’s safety culture was at fault. MSHA also have an as-yet unreleased report in the works.

Cheapest Car Insurance: Both Cars Under One Policy 3 Tips

By Susan Willis

When you already have an insurance policy for one car, it is easy to add a second car to the same policy. When you do, you will need to know how to accomplish this in a way that gets you the best deal.

Owning Two Cars: How Your Insurance Company Sees You?

When you own two or more cars, how your insurance company views you depends on how you will be registering the cars with them. There are two primary patterns for how this can be arranged:

a. Both cars are listed under your name as the primary driver.

b. One car is listed under your name as the primary driver, while the other car is listed under the name of someone else in your household, such as your spouse or teenage child.

[youtube]http://www.youtube.com/watch?v=Phdjrjt0TOU[/youtube]

In the first situation, your insurance company (correctly) assumes that you can only drive one car at a time. In that sense, in terms of the total risk that you represent to the insurance company, the risk to them is about the same whether you own one or two cars.

However, in the second situation, your insurance company knows that the two drivers in your household could easily (and probably will be) driving those cars independently. Therefore, the risk to them is about double when the second car is added to the policy.

Why Insuring Two Cars Is Cheaper?

When both cars are under your name as the primary driver, you may be surprised as to the type of deal you can get on your new insurance. In fact, your insurance payments may not go up almost at all by adding the second car. (Of course, this may not be the case if your second car is deemed a high-risk automobile, such as a sports car.)

On the other hand, when the second car is listed on your policy under the name of someone else in your household, your rates could double – again, depending on their driving history, the type of car and other factors. In any event, when you add a second car, you will want to get the cheapest-possible rate on your car insurance.

3 Tips For Getting The Cheapest Car Insurance: Both Cars Under One Policy

Here are 3 tips for getting the best rate when adding a second car to your policy:

1. Collect important vehicle information for both cars and write it down: To get the cheapest rate, you will need to do some shopping around. Start the process by writing down the VIN (vehicle ID number, found on the dashboard by looking through the front windshield), make, model, and license number of both cars. Have them ready, as you will need to refer to them many times.

2. Create a list of at least 3 insurance companies apart from your current insurer: It will be tempting to just ask your current insurance company for a quote: resist the temptation. By spending just an extra hour or so of your time, you can get three quotes from three companies. You may be surprised at how much they can vary.

3. Make sure to get comparable quotes: When calling around, be sure that you ask for identical types of coverage (collision, medical payments, liability, etc.) and with the same coverage limits when calling each company. That way, you can get comparable quotes to see who has the lowest rate.

Follow these 3 tips to find the cheapest car insurance for adding both cars to one policy.

About the Author: For more tips on how to get the cheapest insurance rates, check out:

Cheapest Car Insurance Tips

.

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Manchester United bests Ajax to win Europa league

Friday, May 26, 2017

On Wednesday, in the UEFA Europa League final, Manchester United defeated Dutch capital-club Ajax AFC 0–2 to win the Europa League title and qualify for the UEFA Champions League group stage despite finishing sixth in the Premier League this season. A deflected goal from Paul Pogba’s left-footed shot in the first half and a flick goal by Henrikh Mkhitaryan in the second half ensured that José Mourinho’s side lifts its third trophy in this season, previously winning Community Shield and the EFL Cup.

Before the kick-off, a one-minute silence was observed at the Friends Arena, Stockholm, for the victims of a suicide attack in Manchester Arena on Monday. The English side had just 33% ball possession in the entire match, completing 192 passes out of 276. A comparatively young Ajax team, with the average age of the starting lineup no more than 23 years, had 88% passing accuracy, with 565 successful passes. Manchester United had better numbers for defense, recovering 64 balls – 22 more than Ajax, and had almost twice as many ball clearances as the Dutch counterpart. A total of 32 fouls were committed in the match, and the official booked six players – three players of each side received a yellow card.

At the age of 17 years and 285 days, Ajax’s Matthijs de Ligt became the youngest player to play in the Europa League final, while Marcus Rashford became the youngest winner of the tournament at the age of 19 years and 205 days.

A deflection off Davinson Sánchez from Paul Pogba’s left-footed shot gave United an early lead. Ajax’s shot-stopper saved Antonio Valencia’s close-range strike. Another attempt in the first half by Ajax’s Bertrand Traoré was saved by Sergio Romero. The half time ended 0–1. Minutes into the second half, Armenian midfielder Mkhitaryan scored a goal just in front of Ajax’s net, which doubled Manchester’s lead. Five players were booked in the second half. Ajax’s attempts in the final minutes of the game were stopped by Romero, not giving them a chance to reduce the difference.

Last season, Premier League club Liverpool FC lost the Europa finals against Spanish side Sevilla FC. United is the first English club to win the Europa since 2013. This season’s Premier League winners Chelsea won the tournament four years ago against Benfica at Ajax’s ground, Amsterdam ArenA. Since then, Sevilla has added three Europa titles to their collection.

After the match, Ajax’s coach Peter Bosz said, “We’re obviously disappointed. I didn’t see the Ajax team I’m used to, pressing and competing for first balls. We weren’t good enough. Often, to win finals you must first lose them. It’s all new for all my team. They will learn a lot from it and if we keep the squad together they will be stronger for it.” Bosz’s first season as Ajax’s coach ended trophy-less.

Manchester United’s boss José Mourinho said, “We are in the Champions League in the right way and for me the right way is winning the Premier League or winning the Europa League. We were not strong enough to win the Premier League but we were strong enough to win the Europa League and we are back in the Champions League. The club now has every trophy in world football. We fought hard for this since the beginning. We totally deserved the win. I am so happy to see all the players, including the boys with the crutches, with the trophy.” The Portuguese has won two Champions League titles – one each with FC Porto and Inter, and two Europa titles – the first one with Porto.

United became the fifth team after Bayern Munich, Chelsea, Juventus, and Ajax to win all three major UEFA trophies – European Cup Winners’ Cup, the European Cup (rebranded as Champions League) and UEFA Cup (rebranded as Europa League). They are to face the winner of Real Madrid and Juventus in the Champions League final in the UEFA Super Cup scheduled on August 8 at the Philip II Arena in Skopje.

“We are in the Champions League in the right way and for me the right way is winning the Premier League or winning the Europa League.”

May 24, 2017
Ajax AFC 0–2 Manchester United Friends Arena, Stockholm, SwedenReferee: Damir Skomina
Joël Veltman 58’Amin Younes 64’Jairo Riedewald 78’Kasper Dolberg 62’David Neres 62’Lasse Schöne 70’Donny van de Beek 70’Jairo Riedewald 82’Frenkie de Jong 82′ 0–1 (HT) Paul Pogba 18’Henrikh Mkhitaryan 48’Henrikh Mkhitaryan 31’Marouane Fellaini 52’Juan Mata 78’Henrikh Mkhitaryan 74’Jesse Lingard 74’Marcus Rashford 84’Anthony Martial 84’Juan Mata 90’Wayne Rooney 90′

Meditation Bench And Chair For Effective And Comfortable Meditation Sessions

Meditation Bench And Chair- For Effective And Comfortable Meditation Sessions

by

juliebell

Meditation brings tremendous benefits in overall health of an individual. It helps with stress management and in treating several illnesses. The practice of meditation helps you to enhance the health benefits like reducing symptoms of stress and anxiety and relieving physical pain complaints like headache and body ache. It even augment the immunity power of the individuals to fight illness.

The different techniques of meditation no longer just exist for yogis and monks. It has become a preferred choice among moms and dads. Most of the people, when start this practice, realize that sitting on the floor is not for them. Therefore, the growing market has provided them with different meditation items like back jack chair or meditation bench to better suit their needs. These items provide a relaxed and pain free meditation sessions, which are not possible during direct sitting on the floor.

The basic requirement of meditation is being comfortable and focused on what you do. Most of the individuals just struggle to hold the correct posture, but fail to do so. Back jack chair, designed for meditation, helps in making good posture with comfortable back support.

[youtube]http://www.youtube.com/watch?v=yoIDnTop_ec[/youtube]

During the initial practice of meditation, a sitting device can prove as an effective way to enhance your concentration. These sitting devices can be different types of chairs like meditation benches, tilt chairs or inflatable cushions. These devices become more important, when you are practicing Zen meditation. This type of practice requires different sitting postures. The chairs and benches designed for meditation are made up of numerous material and exhibit varied styles.

With a meditation bench, you can sit in perfect alignment. This does not cause unnecessary pressure on your back. To keep yourself in an upright position, a tilt chair is quite helpful. Several options like folding benches,

back jack chair

, inflatable cushions, etc. allows you to meditate in any environment and settings. Some chairs are even portable so that you do not miss on your meditation, while you are on the go.

When you go to buy a meditation chair for you, it is advisable to take an experienced person along you. The perfect meditation chair has a slight forward angle to prevent you from slumping. It would be best to buy a chair in which height, weight and comfort level can be adjusted according to your needs. This is important to ensure mind consciousness and achieve clarity of mind. Sitting without meditation chairs causes cramping and distress after a certain period of time.

The main motto of meditation lies in self discovery and inner peace. Physical discomfort takes us away from the wellness and monastic benefits we hope with this practice. Thus,

meditation bench

and chairs provide a positive experience during your sessions.

Bodymindwisdom is a privately held corporation which provides practical solutions for meditation, yoga practice, floor sitting through products like

back jack chair

, Zabutons EMF harmonizers,

Meditation Bench

etc. for more information contact: 1-888-575-5332

Article Source:

ArticleRich.com

Tax evasion investigators raid Google’s Paris headquarters

Wednesday, May 25, 2016

Dozens of tax investigators raided Google’s offices in French capital Paris yesterday as part of a probe into the company’s alleged tax evasion.

The raid was conducted by investigators from the state financial prosecutor’s office assisted by 25 information technology (IT) experts, according to officials. “The investigation aims to verify whether Google Ireland Ltd has a permanent base in France” the prosecutor’s office said, “and if, by not declaring parts of its activities carried out in France, it failed its fiscal obligations[…]”.

Google, a subsidiary of Alphabet Inc., reports most of its sales in Ireland. Google claims most sales contracts are closed in its Dublin offices. If investigation finds sales are being concluded in other countries, Google may need to pay additional taxes in these countries.

In 2014 Google reported a total yearly revenue in France of €225.4 million with a profit of just €12.2 million, paying only €5 million in corporate tax according to the Financial Times. A Google spokesperson said the company is co-operating with French authorities and fully complies with French law.

According to Reuters, a source from the French finance ministry said French tax authorities are also separately pursuing Google for €1.6 billion in back taxes.

Why Buying Wedding Band Online Is A Good Idea?}

Submitted by: Harry Keith

With regards to purchasing something as significant, individual and costly as a wedding band, the web is not yet the go-to goal for purchase. Turns out you could pass up a great opportunity Grooms and ladies to-be can in actuality be in an ideal situation purchasing a diamond wedding band or ring on the internet.

1. Effort of buying the wedding band

When you purchase a ring from a physical store, the sales representative tends to control the procedure. She/he gives you a couple of choices and you are left with the limited decisions in stock. Purchasing on the web gives you a much more extensive determination and more control to do your own examination. It is not necessarily the case that you’re all alone, as most online retailers have client benefit accessible by live visit and telephone. For instance, Delicategem.com has expert gemologist who walk you through each gemstone or diamond and will listen to you and your requirement and provide you the best ring of your dream.

[youtube]http://www.youtube.com/watch?v=qNsn5frjstI[/youtube]

Your better half will see this as amazingly sentimental when she learns of all the time you spent ensuring you got the ring she had always wanted. What could be more sentimental than taking control and settling on your own choices, instead of leaving matters in the hands of a sales representative?

2. Save Cash while purchasing an Wedding band

Purchasing a wedding band online can spare you up to half off what you would spend for precisely the same in a physical store, since online retailers don’t have overhead expenses. Why not utilize the cash you’ll put something aside for a much more sentimental special first night goal, or towards setting something aside for a home? Simply ensure you do your examination and locate a decent organization. Online is normally the brilliant approach to locate the best quality at the best cost. Delicategem.com makes this workable for whatever your financial plan might be.

3. GIA Certified Diamonds

Since a wedding band is a standout among the most critical buys you’ll ever make, you should know what you’re getting. It is impossible to see each incorporation if you visit the physical store. But if you choose a trustworthy online jeweler online then you will have the capacity to see genuine 360 HD photographs of the gemstone , diamond as well as engagement ring on their site, zoomed in much nearer than you would have the capacity to see with a gem specialist’s loupe. There are bunches of diamond available on the planet; with each two that have similar confirmation evaluating, there is one that will seem more lovely to you than the other. Delicategem.com is the main diamond jewelers NYC who show every diamond in 360 HD on their site. What’s more, don’t stress they are also providing 100% cash back and return satisfaction.

4. You’ll feel sure with your purchase

One of the consoling focuses about shopper e-commerce is the force of online buyer discussions. You can utilize this further bolstering your good fortune, by ensuring you’re buying your life partner’s fantasy ring from a dependable retailer. Individuals on the web are not reluctant to talk their brains, and online diamond setters have client audits everywhere. Ensure you do your exploration and look at changed sites to get enough of a thought of the sort of organization you’re managing.

It’s essential to note that tenable gemstone retailers will just offer clash free research facility reviewed jewels and will show a duplicate of an AGS, GIA, or IGI diamond certificate on their site before you buy the ring.

About the Author: Diamond jeweler living in diamond district

delicategem.com

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