MORE than Finances

Get your finances in order, and get on with your life!


How to Profitably Purchase Equipment for Own Restaurant Business

chef-1209161_640The equipment we have in our restaurant is most important and it shows how professional and product our entire setup is. It is one of the major investments we will have to make whereas we prepare our new restaurant, and thus requires some sober thought and care.

The type of restaurant equipment we need logically depends on the kind of restaurant we are planning to own and operate for example fast food, fine dining, a family diner etc. Other things to remember are the design of our kitchen, the number of clients that can be served at any one time, the menu of the restaurant, and of course our budget.

Restaurant equipments cover the lot from furniture to refrigerators and ice making machines. Deciding what kind of restaurant equipment to buy can be irresistible for a new restaurant owner.

A new restaurant does not need all new equipment. This is one option for owner of the restaurant to buy quality second hand restaurant equipment for pennies on the dollar. Or the other option is also available for the new restaurant managers to purchase the equipments on the lease to save the startup capital.

Restaurant Tables and chairs represent a gigantic expense when opening a new restaurant. However like commercial restaurant dishes, they are made to last. The appearance of your dining room will be greatly influenced by the tables and chairs you choose.

A restaurant kitchen needs very careful planning, to maximize space as well as promote effectiveness. A typical restaurant kitchen is made of different places and restaurant equipment. Different places mean the area where a certain kind of food is prepared. Eaxh part help keep a restaurant kitchen operations running smoothly. The kitchen of the restaurant is heart of any restaurant. This is the place where food gets prepared, cooked and dished before being served to clients. Restaurant kitchens can be a large or small, the most important thing if a restaurant kitchen is carefully designed, the chef can consistently prepared number of meals.

There are different factors that’s must be in mind before purchasing of kitchen and other restaurant equipments,  First of all Budgets are a tough consideration, and we must bound the equipment options to meet our budget requirements. After budget the suitability, cost of operations and minuteness, lifespan, safety and energy benefits are also very important and have worth to consider.

Refrigerators are the most important appliances we buy for our restaurant. When shopping for a refrigerator today, we might encounter more choices than we have anticipated, as things have drastically changed in this business due to the incalculable technological enhancements. One of the most attractive technological improvements in the refrigerator production is the appearance of the Undercounter Refrigerator. Growingly restaurant owners are now taking benefit of these modern and modern appliances to save space, save on energy expenses, while considerably improving the restaurant kitchen’s look and feel. Another great appliance is the undercounter ice makers, The large ability of it provides a lot of ice production as well as storage., in restaurant we must have a need for a steady flow of ice. Having an untrustworthy source of ice can put a damper on our restaurant. Undercounter ice makers are made to be consistent and meet the demands of commercial use.


How to Save Money on Celebrations

birthday-cake-380178_640There is a lot of pressure on parents and families these days to create the biggest and best parties for birthdays, Christmas, and other celebrations. It can lead to a lot of stress and financial difficulty that can take a long time to resolve.

You don’t have to spend a fortune on parties or birthdays to give the one you love a good time. Here are some ideas that can help you find alternatives to excessive spending.


No one likes budgeting; it can be upsetting when you see other people spending money when you cannot. However, if you are to stay within your finances, you need to set a limit on what you spend.

Set aside an amount that you can spend on a birthday or celebration and stick to it. It can be easy to creep over the limit, but it has been set there for a reason.

Resist Obligation

Some people feel obliged to follow their friends or family when it comes to celebrations as well as other things like holidays. You won’t feel as happy if you do what others are doing, especially if you will be without money as a result.

If you have a big family, sending cards to each other can become an expensive habit. You can always use free printable greeting cards that you can get from applications such as Adobe Sparks. It will allow you to send cards as well, but for a fraction of the price.


Presents, particularly on holidays like Christmas can become very expensive if you’re buying for a lot of people. Don’t be afraid to set a new trend by just getting one gift per family for the adults instead of a present each. You can also consider making your gifts that can be personalized for each person.

Some people will only buy gifts for the children in the family until they reach a certain age, then they just give a family present. It might sound harsh, but when you have to stick to a budget, it can be the only way to manage.

Sales and Clearances

A good way to get gifts and spread the cost is to buy things in advance when there are sales in the stores. January sales usually have big discounts, and you can store the gifts until you need them.

The same applies for clearances, always be on the look-out for any discounts or clearance shelves where you might be able to pick up a cheap gift. You might even be able to save some money by getting items in bulk. These can be separated as gifts for more than one person.

Plan Parties Around Experiences

You don’t want to be spending a lot of money on entertainers or bouncy castles. Your children can have a lot of fun by having a day out at the beach or playing at the local park. If you take along a picnic as well, you can have a whole day there.

Just doing these simple things, can make big savings and help you to stay within your budget.


5 Surprising Facts You May Not Know About Investing

puzzle-2500328_640If you have already started your investment portfolio you have probably learned a thing or two about investing. One thing you probably know is that you don’t have to be an expert to invest successfully. Another might be that the younger you start the better. But despite these facts there may be other surprising facts you may not know about investing.

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Planning for Income Post Retirement

SIMPLE IRAIf you are around sixty years old and are one of the few who have enough saved to retire comfortably you are most likely planning your celebrations as we speak. But whether or not you are a part of this group you should still be considering your options carefully. There are many paths to investment success and your financial advisor can play a crucial role in showing you the way. In this article we will look at some of these options and how they can contribute to better retirement savings while helping to maintain your standard of living in retirement.

While your working situation and income have a direct impact on your retirement options we can assume that most people have the same goals for retirement. These are to benefit from an income that can sustain a reasonable standard of living for the remainder of their lifespan. So what are some of your options which can help you reach your goal?

Guaranteed Life Annuities

As you might expect from the name, this annuity at its core will give you guaranteed earnings for the rest of your life which helps to combat the problem of outliving your savings. How much you actually get is determined partly by how old you are, current interest rates and unit trust prices. Essentially the longer you are expected to live, the less you are likely to receive.

To offset the risk of paying your income if you live for an extended time, legal ownership of your capital is given to the insurer and they have sole claim to this when you die. The insurer cannot ask you to pay in more money if you live longer, and by the same token your family cannot ask for more money should you die sooner than expected.

There are various kinds of guaranteed life annuities. It’s important that you look at all the available options and understand the effect of inflation before you make any long term decisions. This will help to ensure that you maintain your standard of living into retirement.

Living Annuities

A living or linked annuity does not guarantee income and is dependent on how the underlying products, like unit trusts, perform. This option gives a certain amount of flexibility which is offset by increased risk. It is recommended that these types of investments are taken only under advisement from an independent financial advisor, as there are many factors to be understood which could influence your investment. This will also help to align your expectations with the return.

When it comes to living annuities careful asset allocation is key as it will influence how long the investment will last and your standard of living. It’s important to look at how much risk you are realistically able to take on and how much growth with be required to sustain the investment.

Of course there are many factors that cannot be accounted for and which cannot be known, such as what the actual returns of your investment will be, how long the income will need to last and what the rate of inflation will be in reality. The best course of action here is to make reasonable assumptions and adjust your spending to accommodate for any unforeseen changes.

In conclusion, with more and more people spending as much time in retirement as they do actually working, it’s time we start thinking of retirement as the next stage of financial planning, and not the end of it. Careful consideration at retirement age as to the next phase of investment can really improve returns and increase the longevity of income after retirement.


Your Broadband Plan as a Business Strategy

The world of business is highly competitive. Everyone is trying to get on top of the game. Strategy, ideas, and advanced technology place brand at an edge. There is no way your business can lead if it lags behind in these. The world of technology offers immense opportunities for businesses to expand through e-commerce. This article looks at the technological aspect of success in business. It pays close attention to the broadband as a critical tool for internet business functions. You get ideas of what to consider for your broadband as a business.

Importance of Broadband, Internet, and Business

First, let us look at why e-commerce is important today. Global brands, medium enterprises, and small businesses continue to cash in on the benefits of online business. The internet is cheaper and has a wide range of services. Broadband-based businesses have better communication, support services, faster services and great operations. Other benefits include, enhanced:

  • Transactions
  • Advertising
  • Customer care interaction platform ( chats, social media)
  • Video conferencing
  • Market research
  • 24/7 access
  • Global web platform
  • Technology applications for business management ( e.g. finance and management)

Broadband becomes critical because it provides a platform for a business to engage in reliable online business. However, you do not just install any kind of brand band. Smart businesses understand that this is a process for transmitting data through a bandwidth; hence, multiple signals such as cables, radio transmissions, and optical fiber are in use. It is the installation of technological devices and applications for a business boost.

Am sure you have come across poor internet access that frustrated your efforts to download and access websites. In business, this is not only discouraging but it gives a poor impression of the business’s capacity. Imagine customers not being able to access products or special offers on your web page. You could lose important leads to your business. Serious buyers will not waste time on a problematic link. So, how do you overcome this problem?

What to Consider for Your Broadband as a Business

The internet is a technology function, which requires effective tools and equipment. For you to access this service without disappointment, you need a broadband with the following:

  • Quality telecommunication equipment ( telecommunication, computer networks, TV, technology devices)
  • Professional services with support
  • Fulltime reliable access on a 24/7 basis
  • Speed
  • Affordable packages
  • Easy setup
  • Variety options

This is digital communication across different channels such as audio, visual and multimedia platform. Internet broadband allows you unlimited access to a worldwide system. As a business, you need this service for emails, mobile communication with customers, and suppliers. As organizations move on to the paperless operations, the internet provides numerous platform for processing important documents for business.


Broadband Service Provider

Technology and communication services vary and reputable brands have the user’s respect. There are different packages for all kinds of customers including individual and group users. When making your choice, consider technology services that suit your business for a number of reasons. Whatever your choice of broadband, look at the:

  • Budget limits
  • Business needs (size of the organization, departments in need, functions)
  • Contract limits (monthly, rentals etc.)
  • Service provider
  • Extra services compared to other service providers

Multiple users share information and require special packages with high-speed cloud sharing. This costs more than the individual users in small businesses. A comparative study of the best service providers in your area helps you to make a wiser decision.

Best Broadband and Call Plan

The broadband services often come with a telecommunication service. If you want the best deal, choose one on Broadband Choices deals on unlimited talk talk time so that you can save on airtime. This is a great way to overcome the frustration of getting disconnections in the middle of an important phone call because of low talk time. If you are new, you could start with a limited plan before you can use an unlimited plan. Your broadband option will incorporate internet and telephone functions because you need these services for successful operations.

An affordable service provider is efficient, has a wide range of broadband services and extra applications. Great support services are also crucial because it saves you time spent trying to fix faults. Business is about making the best out of every situation.