Day: February 5, 2021

Benefits Of Working From Home

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There are numerous financial benefits from working from home

Benefits Of Remote Work

D. S. Mitchell

Pandemic Adjustments

The vision of going to work has changed for many of us during the COVID-19 pandemic. Working from home may continue for many workers as we move out of the pandemic and back to normalcy. A Harvard Business School study reported that more than one third of the companies surveyed believed that post-pandemic work environment will include an increase in remote work.

Savings Coming

The shift to at-home work can have long term positive financial advantages. Such possible benefits could include such things as:

  1. Reduced transportation costs. Over even a short time you can spend a lot of money commuting back and forth to the work place. The average commuter typically spends $2,000 to $5,000 annually. This includes gas, car maintenance, public transportation costs and other related costs according to the U.S. Census Bureau.
  2. Lower insurance premiums. Auto insurance premiums are partially based on miles driven. If you no longer travel from home to work and back again you should potentially save money.
  3. Lower lunch costs. Eating at restaurants, or visiting coffee shops while at work can add up fast. It is easy to imagine saving $50 to $100 per week by working from home.
  4. Lower clothing costs. I’m not suggesting you work in your skivvies but there are definitely ways to relax your wardrobe when working from home. Not to mention reducing laundry and dry cleaning expenses.
  5. Lower child care costs. Child care costs can be high. Working from home should reduce those expenses dramatically.
  6. Increased time. Working from home can save hours of time spent on the bus, train, subway or in your car. Spend it recklessly or wisely it’s your choice, but working from home should give you more of it.

It is not hard to imagine saving as much as $5,000 each year by working from home. If this new phenomenon becomes the norm you should think about saving or investing this potential windfall.  Edward Jones suggests two possibilities to make the most of this extra money. One, build an emergency fund containing at least one year of emergency cash. Two, an IRA or a similar employer-sponsored plan could provide an approximate $97,000 ($2,500) to $200,000 ($5,000) after 20 years at 6% interest.

https://www.calamitypolitics.com/2019/10/16/energy-saving-tips-that-cost-nothing/

 

HUMOR: Valentine’s Day

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Valentine’s Day Humor

Valentine's Day is a day to celebrate love

Valentine’s Day Humor

By Anna Hessel

The Wonder Years

The cold days of February bring thoughts of one of my favorite holidays, Valentine’s Day.  Some of my fondest memories involve Valentine’s fun.  We all remember when we were growing up getting those tiny Valentines in their little white envelopes placed in a big wooden box on the teacher’s desk.  Each year my miniature Valentines had a different theme: puppies, kittens, Barbie, and of course, princess.  My earliest Valentine’s memory is my kindergarten campaign to provide trousers for that little guy with the bow and arrow, since it was cold outside.   Those timeless teddy bears with pink and red bows, and heart-shaped boxes of candy covered in ruffles, bring back many teenage memories.

Flying Hearts ACA

Of course, I have a few specific Valentine’s memories: one in particular was actually after Valentine’s Day: I snatched up all the clearance conversation Sweetheart candies as I had just won the Miss American Sweetheart Pageant, and decided tossing boxes of stale Sweethearts during summer parades was a classy thing to do – this idea was short-lived, however, thanks to that guy on the corner with the sunglasses on his head.  I’m still amazed at how far a pair of shades can travel when they come in contact with an airborne box of conversation hearts.

Gourmet Jewelry

My favorite Valentine’s memory was when my husband and I were found by an adorable black terrier in our condo parking lot on a particularly cold Valentine’s Day.  We named him Cupid, and he was a part of our family for over 17 years.  In more recent times, Valentine’s Day has been celebrated by my spouse’s penchant for hiding expensive jewelry in food.  My first diamond cocktail ring arrived in a dish of carrots because it was a “1 carat” ring.  My engagement ring was presented, much to the delight of the charming waitress at Red Lobster, in a plate of mussels – my husband’s theory was since pearls come in oysters, diamonds can come in mussels.

Ladyfingers

Another diamond ring embedded in Tiramisu (ladyfingers…) appeared at our favorite Italian restaurant.  A sapphire ring came atop a cupcake; my diamond and sapphire wedding set was encased in a miniature pink gumball machine.  Hmm, I wonder what I’ll find topping our heart-shaped pizza this year (hint, hint…).  Fortunately, I never broke a tooth on or ingested any of these gifts so I don’t have any trips to the emergency room stories to share.

Can He Take a Hint?

Now if your significant other isn’t a foodie romantic, and you don’t receive bracelets or earrings in side dishes or desserts, then perhaps a few well-placed hints will get you the goodies you desire this Valentine’s Day.  If you do seek something sparkly, put a jewelry catalog in his toolbox.  Or if you’re like me, a gift certificate for a mani-pedi is a perfect present – I suggest placing a flyer from your favorite salon in his sock drawer.

Don’t Forget The TV Remote

If a romantic dinner is on your wish list, wrap coupons from a favorite place to dine out around a six-pack of beer and secure it with a pink ribbon.  My personal favorite hint, sure to work every time, is to tape a business card from the local flower shop on the TV remote control – he’ll never miss that.  No matter how you end up celebrating, may your Valentine’s Day be blessed with style…