Author: Quinn Cruz

6 Tips and Tricks to Cut Calories When Eating Out6 Tips and Tricks to Cut Calories When Eating Out

If you consume at restaurants really often (more than 3 times a week), you’re going to be carrying additional weight unless you take steps now to make some alternate options. In fact food establishments are so busy these days from the eating out craze that they are constantly having to repair their equipment such as:

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Here are 6 easy methods to shave calories from dining establishment meals. Subsequently I do not go out often; when I eat out I desire it to be unique. You may have seen the suggestions on how to shave calories at restaurants however really, are you wishing to pay high dining establishment rates for undressed salads and plain steamed vegetables? If not, how then can you resolve the dilemma of a lot of calories when you eat out? Here are 6 pointers for getting the calories out of restaurant meals while still ordering your favorites.

1. State NO to very large sizing. The size you purchased is currently too big. Stop incredibly large sizing and you’ll save money. Much better still, order one supper and request for an extra plate. Lots of restaurants will do this for a dollar or more, and it’s well worth it. Then share the meal with your friend and you split the expense directly down the middle. Another choice is to purchase from the so called “appetizer” menu. Two individuals could buy 3 meals, one dessert and split the whole thing and it’s still a lot of food!

2. Avoid the bread and rolls. The majority of household restaurants still serve a bread basket with your meal. Unless it’s a fresh baked loaf or some truly unique bread, simply avoid it. When you’re paying good money for a meal, you don’t need to fill up on ordinary bread. Just ask for it to be removed if you can’t withstand it, however honestly, you’re an adult, you can Resist, if you wish to. You can just pick not to put a roll on your plate. Try it, simply once and see if you do not go out of that restaurant feeling strangely effective. At least avoid the butter if you can’t skip the rolls. Consume it plain. Whole grain bread is scrumptious all by itself.

3. Stop Ordering Drinks. Soft drinks are a substantial cash cow for dining establishments. For cents they sell you a squirt of syrup and carbonated water and imply they’re doing you a huge favor by just charging you $1.29 for a giant 64 ounce soda. Start saving those dollars. Especially if you’re buying “to go” skip the drink. If you’re eating it there, request just water, or just switch to diet drinks. Never ever drink “fat pop.”

Slow Down You Eat Too Fast! A big part of getting in touch with your appetite signals and learning to eat what really will please is learning to recognize the subtle signs of appetite. Take a bite then see how many times do you chew before you start wanting to swallow?

Do you want to get leaner, or do you want to consume fat? I never ever eat chicken skin and never consume the visible fat hanging off a steak, excellent taste or no. I understand this is counter to the low carbohydrate crowd’s belief that fat is good, carbs are evil, but I’ve kept an 80 pound weight loss for 18 years without dieting and I do not consume noticeable fat or skin.

6. Ask for a Doggie Bag at the Beginning of Meal. When the food is served, immediately portion off some to take home for tomorrow. Most restaurants in the US serve much excessive portions. There is no law you have to eat all of it. Do this frequently and soon you’ll discover you’re getting an extra lunch out of that meal.

What Is the Medicare Surcharge? A Financial Pro’sWhat Is the Medicare Surcharge? A Financial Pro’s

Have you ever found yourself at a dinner party, the topic of healthcare costs comes up, and suddenly everyone’s an expert? Well, here’s something that might stump even the most well-read of your friends: what is the medicare surcharge? It sounds like one of those things only accountants and lawyers know about. Yet, this matter touches a wider audience than one might initially assume.

In 2024, if you’re enrolled in Medicare Part B or D and earning over $103,000 a year alone or $206,000 with your spouse, congratulations – you’ve hit a financial milestone! And with it comes the IRMAA surcharge on top of your premiums. Yes, higher earnings means paying more for health coverage under Medicare. This isn’t just any extra fee; since 2007 for Part B and 2011 for Part D enrollees with high incomes have been navigating these waters.

Why does this matter to someone like me—or maybe someone like you? Because understanding these charges could mean saving money or at least not getting caught off guard by unexpected fees. So, it’s really about staying informed and making smart choices with your finances.

Understanding Medicare Surcharges and Additional Tax

What Is the Medicare Surcharge?

Ever opened a bill to find an unexpected charge? That’s how many feel when they see the Medicare surcharge, also known as IRMAA (Income-Related Monthly Adjustment Amount). But it’s not quite out of left field. If your wages sail over certain thresholds – $103,000 for individuals or more – buckle up. You’re in for this extra ride on top of your Medicare Part B and D premiums.

How IRMAA Affects Your Medicare Costs

This isn’t just any charge; think of it as the VIP pass nobody asked for. Based on earnings from two years back, if you’re living that high-income life, expect to pay more for your Medicare coverage. The goal? To have those with broader shoulders carry a bit more weight.

The Basics of Additional Medicare Tax

Apart from IRMAA making waves in your financial plans, there’s another guest at the party: additional medicare tax. Since 2013 – thanks to our friend ACA (Affordable Care Act) – high earners get hit with an extra 0.9% tax on wages and self-employment earnings past certain limits.

  • Filing Single: Over $200K? Time to pay up.
  • Coupled Up & Filing Jointly: Crossed $250K together? Welcome to club additional medicare tax.
  • Making It Complicated: (Married but filing separately) Sitting pretty above $125K alone makes you eligible too.

Weirdly enough, while these might seem like pesky penalties, they ensure that Medicare can keep serving millions without blinking an eye. Read on about this essential piece of healthcare funding puzzle, including rates rules and everything else under the sun concerning these charges.

5 Critical Aspects to Consider When Choosing a Local Construction Partner5 Critical Aspects to Consider When Choosing a Local Construction Partner

Choosing the ideal construction partner for your commercial project is essential. A contractor with the appropriate mix of expertise, knowledge, and capabilities can guarantee your project is completed efficiently, cost-effectively, and excellently. Here are five critical elements to consider. Talk to us

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Market Knowledge

A contractor who knows the local market offers essential insights into region-specific challenges and opportunities. This includes managing local building codes, regulations, and weather patterns. Such knowledge promises a smoother construction process.

History of Success

Evaluate contractors with a solid track record. Seek out examples that are similar to yours in scope and challenge. Client feedback and project outcomes can demonstrate their capabilities and reliability. We fit the bill

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All-encompassing Services

The ideal contractors provide comprehensive services and hold expertise in multiple construction aspects. They should offer services from pre-construction analysis to post-construction support. This comprehensive approach results in a more integrated and economical construction project.

Open Channels of Communication

Communication is key to any project’s success. Your contractor should keep you updated, be forthright with challenges, and respond to your questions. Effective communication facilitates smooth project progression.

Financial Stability

Often overlooked, a contractor’s financial stability is crucial. A solvent contractor is more likely to experience disruptions during your project. They should be able to provide evidence of their financial health, including insurance, bonding, and banking relationships.

Choosing the perfect construction partner is an essential step for your project. By focusing on these elements, you can choose a contractor that exceeds your expectations, promising a prosperous and smooth build. 

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Choosing A Business VoIP Service: Your Practical GuideChoosing A Business VoIP Service: Your Practical Guide

Choosing a business VoIP service can be overwhelming, with many options. To simplify this decision-making process and enlighten shoppers regarding costs and essential considerations, we’ve crafted a comprehensive guide. Without delay, here are the pivotal factors to consider in selecting the optimal VoIP provider for your business.

#1 Know Your Business Needs vs. VoIP Features

Many shoppers often rush into exploring VoIP phones without first outlining their specific requirements from a VoIP phone system. This tendency often prolongs their research and leads to confusion during decision-making.

Consider the scenario of Carrie, a business owner seeking to transition from a traditional phone service to a VoIP system for cost-effective customer support operations. Then that means Carrie’s initial needs from a VoIP system include an auto attendant, call routing, and multiple business lines. Other features can be considered secondary or nice to have.

To better understand what a business might require from a VoIP phone system, it’s crucial to familiarize oneself with its standard features:

  • Video Conferencing: Facilitates face-to-face virtual meetings for seamless collaboration among clients and employees.
  • Auto Attendant: An integral feature directing callers through voice prompts to navigate various departments without live assistance.
  • Softphone: A versatile app allowing calls and messaging across devices with internet connectivity.
  • Call Forwarding: Redirects calls to alternate extensions or different numbers during high call volumes or busy lines.
  • Call Analytics: Measures agent performance, call sessions, and other metrics crucial for enhancing customer service and informed decision-making.
  • Business Text Messaging: Enables SMS functionality directly from the VoIP platform.
  • Voicemail-to-Text: Transcribes voicemails into SMS texts for convenient access.

By knowing the standard features, shoppers can compare the advanced features of different VoIP systems.

#2 Your Budget Vs. VoIP Costs

Determining a suitable budget for monthly VoIP expenses is crucial in adopting a VoIP phone system. The average monthly cost of VoIP systems is $25-35 per line, which can be used to estimate your budget. However, understanding the breakdown of costs associated with acquiring a VoIP phone system can clarify budget size.

Installation Expenses

The installation cost often hinges on the number of users or lines essential for your business operations.

  • Per-User Charge: Installation fees are based on the number of employees utilizing the VoIP system.
  • Per-Line Charge: Ideal for businesses handling high call volumes, this method calculates installation costs based on the number of phone lines required. 

Subscription Costs

Subscription expenses can be structured annually or monthly.

  • Monthly Plans: These are suited for small businesses, offering flexibility with minimal commitment. However, long-term costs might be higher compared to annual plans. 
  • Annual Plans: Lower overall costs than monthly plans but may involve contractual obligations and potential early termination fees.

Additional Expenditures

Several supplementary costs could impact VoIP expenses:

  • Advanced Features: Premium plans often incorporate advanced functionalities, contributing to increased overall costs. Assess the value of these features against their added expense.
  • Third-Party Integrations: Enhanced subscription plans incorporating integrations may entail additional costs.
  • Bandwidth Upgrade: Evaluating bandwidth needs based on call volumes is crucial. Optimal performance usually requires around 100 kbps of upload and download bandwidth per line.
  • Regulatory Fees: Charges associated with system maintenance, updates, and upgrades.
  • VoIP Taxes: Tax rates can fluctuate based on business location and phone number usage.
  • Termination Fees: Clearly outlined in contracts, these charges are incurred for premature contract cancellation. Understanding and assessing the potential impact of these fees is vital before commitment.
  • Watch Out for Freebies: While some VoIP service providers offer free phones as part of their monthly subscriptions, it’s imperative to ascertain the quality and capacity of these devices, especially their ability to support multiple lines, as these freebies often only support up to 2 lines.

#3 Your Business’ Customer Experience Relies on Your VoIP Provider’s Customer Support for You

The caliber of customer support offered by your VoIP provider directly influences your customers’ perception of your business. Thus, prioritizing a VoIP provider with prompt and knowledgeable customer support becomes paramount. Key factors to consider include:

  • Multiple Support Channels: An efficient VoIP provider offers diverse assistance channels, from email and chat to responsive phone support.
  • Out-of-Hours Availability: Some providers may emphasize a knowledge base comprising video tutorials and FAQs, while others opt for outsourced customer support, ensuring accessibility beyond standard business hours.
  • Reduced On-Hold Time: While some VoIP Services utilize call routing across agents, evaluating the time spent waiting before connecting with a live representative is crucial.

#4 What Platform Tools Do You Need to Integrate with Your VoIP Phone System?

Most VoIP phone systems have inherent integrations with various third-party platforms, including email, fax, and SMS. However, certain businesses may require additional integrations to sync their diverse platform tools with VoIP phone systems. These integrations might encompass:

  • Customer Relationship Management (CRM) Integration: Integrating CRM software enables tracking data such as phone call sessions for enhanced customer interaction and relationship management.
  • Cloud Storage Software: Cloud storage solutions facilitate archiving communication records such as phone calls and video recordings for easy access and reference.

#5 Compare VoIP Security

VoIP technology transforms voice into data packets transmitted over online connections. This presents vulnerabilities that VoIP providers aim to address through robust security measures. Here are some key security protocols offered by VoIP services:

  • End-to-End Encryption: Ensures data is encrypted at the sender’s device and decrypted solely by the intended recipient, ensuring secure transmission.
  • Multi-Factor Authentication (MFA): Enhances security by implementing multi-step login procedures, requiring additional information beyond passwords to prevent potential data breaches.
  • Firewalls: Deployed to detect and block malicious data that could jeopardize network security, safeguarding against potential threats.

 

A young woman working at her desk.

What VoIP Providers Do You Have in Mind?

When deliberating on the right VoIP provider for your business, it’s crucial to differentiate between essential features and those that are merely convenient. A clear understanding of VoIP costs sets realistic expectations for your investment in a system. Moreover, the chosen VoIP system should seamlessly integrate into your operations. Therefore, heavily compare each provider based on integrations, VoIP security, and VoIP uptime. Click below for more information. 

F2F Telecommunications | Choosing A Business VoIP Service