Just as you wouldn’t go out and purchase the first phone you come across, without doing some research, you shouldn’t go out and purchase the first fitness wearable tech you come across solely because you like the style of it.
In this article, we are going to cover the things to consider before investing in fitness wearable tech …
While many tech brands are trying to drag the price of their devices down, majority of consumers are still unwilling to invest on a gadget over $300. Determine how much you are ready to spend for a particular device. Of course, price usually goes hand-in-hand with how useful a gadget is to your specific situation. Will it be able to save your life? Can it help you lose weight? Would it organize your daily tasks? Could it simplify communications?
Brand and model
Many wearable devices fall under the category “fitness tracker,” but each one offers different features. For instance, the FitBit Charge HR is known for its heart rate monitoring, while the Jawbone UP3 has one of the best sleep-tracking feature of all current devices. If you check out FitBit Alta, this stylish bracelet-like device only has basic fitness-tracking features without heart rate monitoring.
Design is an important factor because you will be wearing majority of these gadgets daily. Generally, the wearable device has to be comfortable. Most watch-type fitness wearables are made from a type of rubber and have either a strap or clasp to adjust the band. Others are designed to look like any ordinary watch, jewelry, or wristband.
It is important to determine how long a wearable device can go before it needs to be recharged. This is particularly important if you’re going on a long run or hike. Be aware that maintaining a gadget’s battery can become a task in the long-term.
Are you willing to add another device to charge daily, along with your smartphone, tablet, laptop, etc.? Fitness trackers often last for months, such as Fitbit Zip (up to 6 months) and Garmin Vivofit (over a year), while smartwatches like Samsung Gear can last up to 24 hours.
One of the most important things to consider is how secured your personal data will be once you connect a device to a third-party website or app. Brands take full responsibility with the security of every personal information you provide, so it is best to choose popular brands that are known for continuously testing their products.
Compatibility with other devices
Determine if the wearable device you plan to buy is compatible with your existing devices. Generally, the Apple Watch requires iPhone 5 or newer, while Android-based smartwatches won’t work on any iPhone. Are you willing to replace some of your existing devices for a wearable?
These 6 important considerations will help you decide if a wearable device is appropriate for your situation or not, or ensure you buy the best one to fit your needs.
Your business success is influenced by the one or the organization that handles your finances. If you employ CPA's, you will have someone to guide you with your decision making and you will have someone who can give you a clear picture on which financial strategies may be right for your business. You can also share them your business' most confidential information and you can trust that they will not disclose it to anyone.
Because there are many CPA firms out there, it is difficult to know whether you are hiring the right one or not. The guidelines below will help you select the best CPA firm that's right for your business:
1. Your Needs
Are you looking for a firm that will do a service or two for you such as IRS preparation or bookkeeping? A company that specializes in taxes is what you are looking for. Or if you are looking for a complete service package, then find a firm that offers this. Comprehensive services are generally offered by small firms while packages are usually offered by big firms.
Asking for advice on where to find a reliable CPA firm may be considered. Asking friends or family members about CPA firms they may know will give you an idea about these firms' accomplishments and track record. If you don't know someone who knows about CPA firms, you can try doing an online research and read reviews about firms.
3. Technological Readiness
Pen and paper are no longer used by modern companies in keeping track of their finances. Firms that are technologically capable can give you faster and more accurate results.
4. Credibility and Reliability
Today, it is every difficult to find companies that are worthy of your trust. When you plan to hire a CPA firm, make sure that you ask around and conduct your own investigation so that you will know the company's background regarding the accounts they have handled and the number of years that they have been in business. If you want to be sure about your decision, make sure that you look into the previous accounts handled by the firm.
You will need patience and enough time for you to find the right CPA firm. After all, you'll be allowing this company to look into your confidential financial information. Many will claim they offer the best service but it's all up to the work you put in when trying to find the best one on the lot. Determining whether a CPA firm is worthy of your trust will require a lot of patience and time.
Sometimes we spend outrageous amounts of money simply because we are used to using a service or product and haven't taken a small amount of time to stop, think and regroup our actions.
Sort out those hefty APR cards If you're sitting on a large credit card balance it's time you switched to a 0% interest card for a fixed period. Many cards will give an interest free period for up to 2 years. But do shop around as some cards have bigger transfer fees than others, charges are typically around 2 - 3% but can be much more so do your homework.
Cut out the overdraft fees If your accounts in the red, try a current account that charges fair fees, some will give an interest free overdraft for a period of time, as long as its kept under a certain amount i.e. 200, maybe this will give enough time to get back into the black.
Also note there is a difference between being paid bi-weekly or twice a month. When you are paid bi-weekly, you get a check every other week, on a Friday for example. Two months out of the year you will get an 'extra' check which means in those two months you are going to get three checks. If you plan it right, you can use that extra money towards savings or paying off debt. If you are paid twice a month, on the first and fifteenth for example, you will usually not be paid on the same day every month and you will always get two pay checks per month.
Save on your weekly shop Check out your weekly shopping needs, try looking for the special offers, 2 for 1 or buy one get one free, it sometimes feels like your spending more money but you will save in the long run. You could also try supermarket own ranges rather than the brands, sometime at much as 50% can be saved off one item. And don't forget the money-saving voucher codes for reducing your bills online.
So, taking the same flexible attitudes lets look at something we can do to stay current with the best deals and best prices.
Compare the utility companies It's easy to compare your gas, electricity, phone, broadband and TV on typical sites. Just paying by direct debit can reduce your bill, a typical saving on dual fuel for an average user can be 200 per year. Going for a combined phone, broadband and TV package could save you up to 50% or more.
Having a good handle on these three elements will help you when creating your budget. Successful budgets that work for people work best when the person is honest. Don't set yourself up for failure by neglecting to add expenses. It will just cause you stress and problems later on.
Pretty much everyone wants to save money these days, especially as prices are rising and the economy is becoming more shaky. To do this, however, takes some conscious effort, as it's easy to get into the habit of living beyond your means. Here are some quick and easy methods that you can use to save money.
If you would like to save some dollars it is easy to do but you need to develop a few new habits. For the most part people buy things without stopping to think if they actually need them or not. The more conscientious you can be about what you buy and how much you spend, the easier a time you will have to get them under control.
Vacations are fun and so is traveling but taking a stay vacation is a great way to save money during your vacation time. This doesn't have to be a sacrifice, as no matter where you live there are probably enjoyable activities that you don't usually have time for. If you have kids, check out theme parks and other attractions within driving distance. Play tourist and take in the major sights and sounds of your city. Aside from gaining a better appreciation of your own region, you'll be avoiding the stresses of travel, such as packing, making flights on time, airport lines and security, etc. Travel can be enjoyable if you can easily afford it, but if you're trying to save money you can have a great time at a fraction of the cost by staying close to home.
But if 10%, or even 5%, of your income goes into a separate account before you even see it, you'll stop thinking of that as money you have available to spend. After just a couple of weeks or months, you'll discover that you do not even miss this money because you will simply adjust to not having it. This will naturally cut back on your spending and help you save money.
Learn to shop methodically and not on a whim. The worst time, to use one example, to buy holiday presents is right before the holidays. The best time is just after the holidays are over when the items you want to on sale.
Another big expense most don't think about is your phone bill. Many of us nowadays don't have just one phone but up to three or more including cells, home phones and maybe ever Skype phones. We don't often realize how much we can save just by getting down to one line. Perhaps a pay as you go cell phone is the most convenient consideration you should make. This way you won't be paying for any extra minutes you don't use. You should also avoid, or cut back on text messaging, which can really add to your cell phone bill. Use online texting rather than with your phone since it's cheaper to do this.
If you pay for cable TV think about canceling it and finding other forms of entertainment. Many people pay upwards of hundreds of dollars for cable channels that they do not use. If you like to watch movies there are lots of cheaper ways to do so like renting DVDs and internet streaming television. The internet can be a great place for television as well. It is easy to watch videos online for free too. There are also other things that you can do that are not watching television. Cutting out cable TV is a simple way to save hundreds of dollars every year.
Many people will spend a lot of money during their leisure time because they do not bother to look into all of the free or cheap things to do in their local areas. Rather than going to the movies or the mall when you have some free time why not look for things that don't cost any money? If the weather is good, go for a hike or a walk. Most places will have a few different free things that will be listed in the newspapers and in free weekly publications and on bulletin boards. Local concerts and art exhibits are often free for at least part of the time. If you make the time to look for it, you'll find plenty of entertainment that is affordable or free of cost.
If you think outside of the box, you'll save money in lots of ways that can really add up. Most of the time, people spend more than they have to on food, entertainment, shopping and other expenses simply because they don't research all the alternatives.
The tips contained in this article will help you train your mind to think more frugally and save money in new ways.