Category Archives: Tips

Best Practices To Adopt When Using Credit Cards

Usage of credit cards comes with enormous responsibilities as it influences most of the crucial decisions, including ones credit history as well as credit score. Lacking a good credit history will make it hard for you to pay your bills on many occasions. Are you in the process of weighing options on whether to use a credit card for your daily expenses? Below are detailed guidelines that you can put into practice.

Pay your balances monthly

Do you ever ask yourself how you can make use of credit cards to build credit? What measures can you take to have a good credit history? Always keep your credit balances very low by making monthly payments on your accrued card bill. Avoid by all means high credit utilization as you may have difficulty in payment and over-extension when the billing date is due. One must-know detail about a credit score is the amount of money you tend to owe, which has to be at most 30% of your total score. It will ensure you have both a good credit score and a history in the usage of credit cards in payments.

Embrace the use of cards that accept only authorized expenses

Your credit card should clearly define what type of costs is allowed and what kinds of expenses are prohibited. A good credit card program allows the usage of cards for uses that are needed instead of not wants. Some of the accepted payments include travel expenses and fees at the restaurants. The credit card should provide detailed instructions accompanied by relevant documentation for the accepted card usage.

Specifies the authorized users

Initially, credit cards were easily used among your close associates without any hindrance whatsoever. It was so chaotic since, on the payday, you will be in for a rude shock upon seeing a bill beyond your payability. With new regulations in place, you must state and provide a recommendation of individuals assigned the usage of the credit card. By these regulations in play, you will have better accountability and protection from any fraudulent acts.

Have a close eye on your credit card account

It is necessary and almost mandatory that you check your credit card transaction regularly. You should take safety precautions by watching your account and hence able to detect any fishy changes and ultimately make a follow-up with a credit card service provider. Make it a norm to reach out to your credit card service provider and create new account details without hesitation.


Weekends Are Better In Boston! Things to Do In Boston For a Weekend Filled With Fun

Boston, Massachusetts has everything anyone could want, and more than you can imagine. From its colonial history to its distinctive accents, Boston will always make an indelible impression on the first time visitor and its frequent traveler, with its outrageous sports fans, gorgeous parks, and quirky personality.

Here are ten things to do in Boston, from the sublime to the ridiculous.

1. Fenway Park 

One of the oldest baseball stadiums in the country, Fenway Park is revered as a shrine by sports fans. The famous Boston Red Sox, winners of the 2018 world series and life long enemies of the New York Yankees, inspire fanatic adulation in Boston natives.

Built in1912, the stadium has been renovated or expanded many times, resulting in weird features like Pesky’s Pole, and the Green Monster in left field.

It has also hosted other sports competitions from soccer to football, in addition to concerts.

2. Harvard Yard 

Not many can get into Harvard, but anyone can tour its hallowed halls and see its Ivy-covered towers. One of the country’s oldest universities and one of the most famous, Harvard is situated in Cambridge, Boston’s sister city across the Charles River. Famous alumni include several Obamas, Mark Zuckerberg, and Ruth Bader Ginsburg.

You can even download a free walking tour, and explore the famous red brick buildings seeking out the Harvard Crimson (newspaper) offices, the statue of John Harvard, and the Whispering Arch.

Around Harvard, there’s a ton of cool coffee shops, bars, and bookstores to fill up a day with academia and beverages. Don’t forget to pick up a crimson hat or T-shirt to wear at home!

3. New England Aquarium 

Over a million visitors a year check out Boston’s aquarium, which boasts the famous Giant Ocean Tank, a 200,000-gallon tank simulating a Caribbean coral reef. Open at the top, the tank has a walkway that spirals down, giving visitors views of the reef from every angle. You can also see penguins, rare sea dragons electric eels, and sea urchins.

There are special exhibits dedicated to everything from jellyfish and turtles to seals to sharks and stingrays.

4. Quincy Market

This market has been serving food to local Bostonians since the 1800s. Also known at Fanueil Hall, this lively marketplace has all varieties of food plus street performers and all-around great people-watching.

Come here to grab some traditional Bostin meals like clam chowder, Boston cream pie, Boston baked beans with brown bread, and lobster rolls.

Because of Boston’s proximity to the sea, you can find all manner of fresh seafood. Oysters are especially tasty here, as they are freshly plucked from seabeds nearby.

Boston was also a place where many Italians resettled on coming to America. Expect to find a great assortment of Italian specialties, from excellent pizza to delicious desserts like cannolis!

5. Escape Rooms 

If you are traveling with a group, there’s no better way to bond than by solving a problem together. Try it at one of Boston’s newest attractions, Breakout Games. Here your group can search for clues and solves puzzles to escape before time expires in a number of scary scenarios, from being kidnapped to conducting a museum heist.

6.  Whale Watching

During spring and summer, you can jump on a charter boat and try to spot the whales that often travel through Massachusetts waters.  If you are lucky, you might see humpback whales, finback whales, or pilot whales that frequently pass through Massachusetts waters.

Whales migrate to Massachusetts to feed on mackerel, herring, krill, and other fish on their way to warmer climates to mate and give birth. There are lots of tours along the wharf and through the aquarium,  but be prepared to stay on the water several hours to give you a chance to see one. Dress warmly, too!

7. USS Constitution 

The USS Constitution, otherwise known as  “Old Ironsides” is the oldest commissioned warship afloat in the world. Everyone interested in all things maritime will love to explore this relic of the high seas.

A favorite for school trips, the ship and its museum next door have lots of interactive exhibits. If you take a harbor tour, you will learn about the Boston Tea Party, a pivotal moment in our nation’s evolution.

8. Boston Commons and the Public Garden

This beautiful park has swan boats to glide around in, and a statue based on the children’s classic: “Make Way for Ducklings.”

The oldest park in America, over the centuries it has served as a military camp, a dump, and a place for riots and protests. Nowadays, people who live in, work in and visit Boston traverse its paths for a bit of serenity in the middle of the big city.

Throughout all seasons there are things to do, from ice skating to Shakespeare in the Park in the summer to the floating jack-o-lanterns in the Frog Pond in October.

9. Warren Anatomical Museum 

The Warren Anatomical Museum is a treasure trove of strange medical tools, death masks, skeletons, and human abnormalities. See items like the skull of Phineas Gage, who survived an iron bar being driven through his head and lived to tell the tale.

Great for students of medicine or just people who like ghoulish things, this museum displays over a thousand watercolors, drawings, photographs, and lantern slides, a thousand anatomical models and casts, and thousands more medical, dental, and public health instruments and devices.

10. The Museum of Bad Art 

Founded in the fall of 1993, this place is exactly what it sounds like. With a tagline: “art too bad to be ignored,” this museum is currently under renovation but is worth the trip once it reopens.

You will roll on the floor with laughter at its collections of atrocious portraits (“poor traits”), hideous landscapes, and, of course, awful pictures of pets.

Things to Do in Boston: No End to the Possibilities

if you are trying to come up with a list of things to do in Boston, your real problem will be finding the time to do it all! This city is a must-see for history buffs, beer drinkers, and football fans, plus students, artists, and just about everyone else.

Keep checking back to discover new, interesting and silly ways to be entertained.

Tagged ,

What To Know Before Opening A Bar

Whether you’ve watched Cheers or are inspired by positive experiences of your own, the idea of opening a bar is one that plenty of people have in their lifetime. Who wouldn’t want to have the coolest place in town where all of their friends come to hang out?

The dream of opening a bar is an excellent one to have, but you also have to face the reality of what that dream entails. There’s more to this business than most people think. Here’s what you need to know.


The first thing you should consider before diving head first into this business are your area’s laws. Zoning permits, food and liquor licenses, and various other legalities should be on the forefront of your mind. Your local government will have a series of regulations to follow, as well.

Liquor licensing is perhaps the largest hurdle out of all of these. Some towns and cities have very strict rules that will require you to jump through several hurdles before legally pouring a drink. It is highly recommended that you hire the help of a lawyer to ensure your business stays compliant.

No two law firms are created equal, however. Monshaugen & Van Huff are liquor law experts in Texas, which will give you an excellent idea of what to look for in a lawyer. While hiring legal help might sound tedious, it’s a necessity for anyone thinking of opening up their bar.


There are various elements to consider when hiring on bartenders, cooks, and cleaners. While you will ultimately be hands on at your bar, one person simply cannot do it alone. Two of your daily duties will be to monitor your employees and handle aspects of payroll.

Since you’ll be tied up in running your bar and probably bartending, using a software like Clockspot can help you stay on top of these duties. Clockspot features automated payroll and the ability to monitor employee clock-ins remotely.

Employee monitoring software helps you keep tabs on who is doing what in your establishment, keeping you in the loop even when you have a day off. With a bar, however, there are a few workers you’ll hire that do not count as regular employees.

Take window cleaners, for instance. Individuals offering services like these are an essential part of making any business run (unless you plan on scrubbing the place down yourself). There are plenty of benefits to hiring local cleaners, making it worth knowing beforehand which companies you’ll rely on.

The Job Never Ends

Whether it’s working from 9 a.m. to 3 a.m. on any given day or constantly noticing aspects of the bar that could be improved, your job as an owner will never end. You’ll have to handle the repercussions of every bar fight, DUI pinned back to your business, and undercover visits from the LCB.

While you will have time to chit-chat with friends and make a good living, the amount of work it takes to run a bar is immense. Before starting this business, ask yourself if you can handle the responsibility and workload that comes with venture. It isn’t all fun and games, but it can be extremely rewarding. 


3 Tips For Spring Semester College Students

Are you planning to take college classes during the spring semester? It’s a little different if you’re just starting out now as opposed to beginning school in the fall. For one reason or another, your reasons for starting classes during the spring semester classes might be more than acceptable including transferring from a different school, attempting to boost your GPA, or any other number of reasons.

You have two options as far as housing is concerned. As an example, if you are going to UC Davis, you can either live on campus or check out UC Davis housing in West Village apartments for those looking for a more affordable option. Or if you live in West LA, you can take advantage of dorm room housing or move into apartments for rent in Westchester Los Angeles CA. Your decision likely comes down to your finances and your personal preferences.

So, before you start the spring semester, you have some serious thinking to do. And to help you get acclimated with school and your whole new life, we’d like to share a few tips to make transitioning to your new school just a little bit easier.

Tip #1: Familiarizing Yourself with the Campus

After you graduate there are a few places you’d love to visit, but you have to stand on the dais and get your diploma first. And the best way to get used to a new school is to familiarize yourself with their campus.

If you have the time or even if you don’t, you definitely need to visit the campus prior to the spring semester beginning. Walk all around it and familiarize yourself with the buildings, get to know the places where you’ll be taking classes, and look for the cafeteria and other important spots like the library so you know where everything is before your first day of school begins.

Why is this important? It’s crucial to get to know your surroundings for a few reasons. For starters, you do not want to get lost trying to find your way to class on your first day. You also want to feel comfortable on campus and not feel like a fish out of water. Lastly, by familiarizing yourself with the campus you’ll feel like you’re right at home.

Tip #2: Prepare Yourself for Your Spring Classes

Some students feel like they can jump right in to their new classes without ever reading the syllabus, picking up their textbook or even learning the name of their professor. This is very foolish if you plan to begin your spring classes without knowing anything about the class, the teacher, or anything else for that matter.

At the very least, you need to get a copy of your syllabus and review it before classes begin on the first day. By learning your syllabus, you won’t have to worry about any surprises because you’ll have looked at your classes, read the outline, and you’ll mentally prepare for what’s to come.

Becoming familiar with the textbook is also a good idea. This will help you understand what the class is all about so you can mentally prepare for the challenges ahead.

Tip #3: Let Everyone Know That You’re New to the School

For some reason, people dread telling their peers that they are new when starting a new school. Keeping this information a secret is a terrible approach because when you let people know that you’re new, they’ll immediately gravitate toward you and do everything that they can to help.

Think about it. When new students introduce themselves to you, you usually go out of your way to be extra kind, extra sweet, and extra helpful, right? You deserve the same treatment in return. So let your new classmates know that you are new to the area. Who knows? They may invite you to a party, a movie, or another social event.

Final Thoughts

Starting classes at a new school during the spring semester can be a bit daunting at first. But once you’ve taken care of your housing situation and you’ve registered for class, it will begin to get easier. Use our brief guideline to make this transitional period go as smoothly as possible and remember to have a great time and study hard to make your spring semester a smashing success.

%d bloggers like this: