NEXT FUTURE TRANSPORTATION AND NYU SIGN AGREEMENT FOR CYBERPHYSICAL TEST BED

SAN JOSE, California – NEXT Future Transportation and C2SMART, a Tier 1 U.S. Department of Transportation University Transportation Center based at New York University Tandon School of Engineering, and have agreed to collaborate to create a cyberphysical test bed to test NEXT’s designs for modular self-driving vehicles.

NEXT is a Mass-Transportation and Goods-Movement Company, which is developing a patented, fully automated, electric vehicle fleet and the supporting operating system to bring the ecosystem of services to market at scale.

NEXT’s propriety modular self-driving vehicles can couple while in motion, providing a transfer-less travel experience for users from door to door without the significant cost of assigning vehicles to individuals. To fully realize the technology’s potential, NEXT needs a safe environment to test dispatch, routing, and idle vehicle repositioning algorithms that can fully make use of the vehicles’ capabilities.

NYU’s C2SMART will build and use scale models of NEXT’s vehicles, along with simulations, to test routing algorithms and operational policies for shared autonomous vehicles, helping the company to propose and start field pilots in cities.

For this collaboration, NEXT will share the specifications for its 1:10 scale vehicle models with C2SMART. The center will construct the models with the help of the 3D printing facilities at NYU Tandon’s MakerSpace. Once construction is complete, C2SMART will work with NEXT to set up communications between a computer and the vehicles to start testing algorithms for three fleet control strategies.

The three procedures C2SMART will implement are:

*  A dispatch with pickup and delivery routing algorithm, used for a service in which a train of vehicles picks up passengers at a terminal, travels along a main route, then redistributes the vehicles at the other end for door-to-door service;

* Dynamic decision-making for vehicles merging at a station to determine when to depart, balancing lower operator costs with higher user costs as the wait time increases;

* Idle vehicle repositioning, which assigns idle vehicles to wait in a specified location until they are dispatched to new passengers.

“Municipal Transit Agencies will greatly benefit from the innovation as it will allow cities to determine user demand for the service”, said Emmanuele Spera (CEO), NEXT Future Transportation.

“We are proud to be supported by Professor Joseph Chow at C2SMART.  The partnership will create global collaboration given NYU’s presence in the US, China and the UAE”, said Sven Hackmann (Executive Vice President), NEXT Future Transportation.

About the New York University Tandon School of Engineering

The NYU Tandon School of Engineering dates to 1854, the founding date for both the New York University School of Civil Engineering and Architecture and the Brooklyn Collegiate and Polytechnic Institute (widely known as Brooklyn Poly). A January 2014 merger created a comprehensive school of education and research in engineering and applied sciences, rooted in a tradition of invention and entrepreneurship and dedicated to furthering technology in service to society. In addition to its main location in Brooklyn, NYU Tandon collaborates with other schools within NYU, the country’s largest private research university, and is closely connected to engineering programs at NYU Abu Dhabi and NYU Shanghai. It operates Future Labs focused on start-up businesses in downtown Manhattan and Brooklyn and an award-winning online graduate program. For more information, visit  http://engineering.nyu.edu/.

 

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Ways in Which Social Workers Help Veterans

There is no denying that Vets have made great sacrifices to protect our nation and they deserve the best when they come back. Most of these individuals have suffered extreme physical and emotional trauma and are in fact considered to be the most at risk group of people for depression, PTSD, suicide and other issues related to mental health.

According to the 2014 Army Study to Assess Risk and Resilience in Service members, the rate of major depression is about 5 times higher among soldiers compared to the general population. Intermittent explosive disorder is nearly six times as high and PTSD or post-traumatic stress is almost 15 times higher.

Currently, there are over 1200 social workers in the United States Department of Veteran Affairs. According to the National Center for Veterans Analysis & Statistics, the number of vets getting disability benefits surged from 3.9 to 4.5 million between 2014 and 2015 alone. There continues to be a growing need for social workers to offer services to the vets, their families and the community as a whole.

That being said, Service Care Solutions gave us some of the things social workers are tasked with when it comes to helping veterans:

Post-Traumatic Stress Disorder(PTSD)

PTSD, according to the National Institute of Mental Health is a condition that develops in some individuals who have experienced a scary, dangerous or shocking event. This is not an uncommon disorder among veterans. Symptoms like angry outbursts and frightening thoughts often start within three months of the event or just after the individual returns home, and they may last months to a lifetime. Availing helps from a social worker through individual & family therapy or from social group support can help a veteran cope with the situation, thus allowing for better adjustment.

Coping with Injury

Most of the veterans have also endured severe and life-changing injuries such as the loss of limbs. The hurdle of adjusting to these losses combined with the emotional stress that is experienced by veterans can lead to difficulties in adjusting back to the family, career, and community. Social workers play a key role in the treatment process by providing individual, group, and couple counseling, case management as well as ongoing services as the individual adjusts to their new situations.

Family Support

Ascertaining a successful transition back to home calls for support and involvement by family members, who might as well be experiencing stress with the return of the veteran. When the service person was deployed, the family may have adjusted to a new way of living, and it may make the return of the member a hurdle for everyone. In addition, the family members should address and adjust to the emotional and physical changes of the veteran in order to prevent adverse outcomes like domestic violence. According to the New Social Worker Magazine, around 20% of domestic violence cases in America involve combat veterans. Social workers can help bring this number down by providing clinical and therapeutic services that focus on readjustment to the family.

Getting Acclimated back to Normal Life

For a veteran, the realities of going back home like obtaining housing and finding a job can make life challenging. Social workers can help the veterans by connecting them to the right sources while giving emotional support throughout the process of readjustment.

Reducing the Risk of Substance Abuse and Mental Health Issues

The changes and stress experienced on the field can lead to an increased risk of substance abuse as well as mental disorder. According to the United States Department of Veterans, the risk is even higher for servicemen and women going through PTSD, with more than 2 out of 10 veterans with the condition having substance disorder. The use of alcohol, cigarettes and other drugs by veterans has increased in the past 10 years and is even higher than use by commoners.

A social worker with adequate training on substance use can give the required services to help veterans avoid the need for the use of substances to cope with stress and the changes in life. They can also refer those who are experiencing the harmful effects of substance use to the right practitioners.

A person interested in providing case management and clinical services to veterans and their families needs to have a Master of Social Work degree. The career can be quite rewarding.

Source: imported from this press release.

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Tanzania Safari Tours. Choose your Best Itinerary According to your Dreams and Needs 

Safari tours Tanzania – make your own itinerary in the national parks of the Northern profile

Tanzania is one of the most well-known tourist destinations in Africa since the incredible country became one of the best wildlife-viewing places in the world. A great many of Tanzania safari tours are organized every year and so the number of people eager to behold the majestic African wildlife grows permanently. More than any other country Tanzania allots vast space to national parks, where animals and birds enjoy the natural environment. There are 16 national parks, 29 game reserves, 40 controlled conservation areas (including the Ngorongoro Conservation Area) and plenty of marine parks. In 2016 the country welcomed 1 284 279 tourists. The majority of them opted for this destination for Tanzania safari holidays.

The national parks of Tanzania – Serengeti, Kilimanjaro, Ruaha, Tarangire and others – are world famous centers for eco tourism. In the numerous reserves, the most popular of which are Selus, Ngorongoro and Rungava, unique species of flora and fauna of equatorial Africa are preserved. Selus Reserve, Ruaha and Mikumi parks make this wildland a hot destination for Tanzania safari tours, as well as an excellent shooting location for hundreds of films.

Conventionally we distinguish between three main routes for safari tours in Tanzania, each of which is thus visited by the tourists only once throughout the itinerary. They lay through the Southern, the Northern and the Western profiles.

Tanzania safari packages – pick your itinerary

The Northern profile, which includes Serengeti, Arusha, Tarangire and Lake Manyara, is the most developed one, but also the wildest and the most challenging itinerary for tourists in Tanzania.

Many tour agencies offer visits to some of the national parks of the Northern profile during one safari tour. Depending on how much time and money you have, you can opt for 1, 2 and even 7 day Tanzania safari packages during which you can visit one or multiple national parks.

Two day tours usually cover parks, which are located not far from Arusha – the city from where tourists set out for safari tours on Tanzania’s Northern profile. During the two day safari tour in Tanzania you can visit for example Arusha National Park and Ngorongoro crater or simply go to Ngorongoro and Tarangire. Lake Manyara safari + Ngorongoro or Lake Manyara + Tarangire could be another option.

A 3 day safari in Tanzania package can include visits to the National Parks of Arusha, Tarangire, Ngorongoro crater, Lake Manyara, Lake Eyasi and Lake Natron. You can choose to join the group with a scheduled program or request an individual safari tour based exclusively on your preferences.

If you are really determined to see Serengeti, it will be wise to take your time and book a 4 day safari Tanzania package or even longer. Serengeti is located on a 250 sq km area to the North West of Arusha. On your way to Serengeti you might want to visit Lake Manyara, Ngorongoro crater, Tarangire and Lake Natron. The Serengeti valley is one of the greatest sites where the pristine wildlife has stayed untouched. It is often referred to as the “Africa’s Endless Flatness”. The area covering 15 sq km is home to about 2 millions animal species. All these representatives of fauna migrate from the park every year, governed by the seasonal periodicity. The Serengeti Park is so large that it can hardly be travelled through in one day. The South-East and center, including Seronera local settlement and the largest park landing field, are the most visited areas in the vast savanna.

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The point is that even if you opt for a 1 day safari tour in Tanzania it will still stay in your memories forever. Even the small National Park of Arusha, which is undeservingly underrated by most tourists will no doubt leave an indelible imprint in your heart, so that you will never stop dreaming of the virgin African wildlife and another visit to this paradise.

Source: imported from this press release.

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New Company found a fun way to hold drinks & alleviate Arthritic pain

Startup develops a universal container handle attachment for a variety of drinking and medical benefits.

Milwaukee, WI – February, 2018 – Clip Grip is a universal handle attachment that makes holding containers effortless. The silicone handle features a patented belt and clasp system that can fit any container including bottles, jars, and large tumblers. Current handle accessories are designed for a specific container, meaning that consumers are cluttering their drawers and spending too much on additional accessories.

“It’s about time we have a universal handle attachment”, says the inventor of Clip Grip, Justin Bauer. This product was recently launched on Kickstarter and was 50% funded within 4 days of launching. The campaign will continue through March 1st. The messaging on the Crowdfunding page positions Clip Grip as an excellent gadget for beer and jar drinkers, tumbler users, and people with motor skill impairment.

Justin says he came up with the idea after he saw massive amounts of jars and fancy containers on Snapchat and Instagram last summer. He designed and prototyped the idea and then took to social media, where the story got interesting. “After advertising, we received several passionate responses from people with arthritis, cerebral palsy, and even someone missing an arm. I was quite shocked that there wasn’t a dishwasher safe, effective, and reasonably-priced drinking solution for these underrepresented communities.”

In response to the feedback, Justin sent sample Clip Grips to an 11 year old, Tye, with cerebral palsy. “The results were great! Tye’s grandmother said that he was able to hold on to containers easily and not lose control. He can now drink with less spilling, which removes some of the hassle for Tye and his caregivers.”

Despite Clip Grip originally being developed as a beer and jar gadget, the device ultimately tackles serious issues such as helping people with motor skill impairment effectively hydrate with less pain and hassle.

Clip Grip is dishwasher safe and fits on any drinking container. The material is an FDA approved food-grade silicone, contains no BPA, and is rated to 500°F (260C) and -40°F (-40C). The interlocking clasps surpassed various quality tests which allows Clip Grip to stay on indefinitely. Frequent reassembly is not required which benefits arthritic and medical users of Clip Grip.

The design and material selection of Clip Grip substantially reduces heat transfer from the hand to the container. During a temperature study, a beer was kept cold three times longer with Clip Grip as opposed to holding it normally.

After funding, this startup will be developing software to allow people to customize colors and print custom text on their Clip Grips for weddings, company outings, and events of that nature. “I think it’s going to be a big hit on social media” says the founder.

Clip Grip is currently available for preorder as part of the Kickstarter campaign, where it’s selling at $7.50 and available in 6 colors. It will retail for $9.95 after the campaign ends.

To learn more about Clip Grip or to book an interview, contact Justin Bauer at Justin@clipgrip.fun, or visit www.clipgrip.fun.

Kickstarter Link: https://www.kickstarter.com/projects/2143259754/clip-grip-universal-handle-attachment-for-any-cont?ref=4hzrpc

 

Source: imported from this press release.

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New Company found a fun way to hold drinks & alleviate Arthritic pain

Startup develops a universal container handle attachment for a variety of drinking and medical benefits.

Milwaukee, WI – February, 2018 – Clip Grip is a universal handle attachment that makes holding containers effortless. The silicone handle features a patented belt and clasp system that can fit any container including bottles, jars, and large tumblers. Current handle accessories are designed for a specific container, meaning that consumers are cluttering their drawers and spending too much on additional accessories.

“It’s about time we have a universal handle attachment”, says the inventor of Clip Grip, Justin Bauer. This product was recently launched on Kickstarter and was 50% funded within 4 days of launching. The campaign will continue through March 1st. The messaging on the Crowdfunding page positions Clip Grip as an excellent gadget for beer and jar drinkers, tumbler users, and people with motor skill impairment.

Justin says he came up with the idea after he saw massive amounts of jars and fancy containers on Snapchat and Instagram last summer. He designed and prototyped the idea and then took to social media, where the story got interesting. “After advertising, we received several passionate responses from people with arthritis, cerebral palsy, and even someone missing an arm. I was quite shocked that there wasn’t a dishwasher safe, effective, and reasonably-priced drinking solution for these underrepresented communities.”

In response to the feedback, Justin sent sample Clip Grips to an 11 year old, Tye, with cerebral palsy. “The results were great! Tye’s grandmother said that he was able to hold on to containers easily and not lose control. He can now drink with less spilling, which removes some of the hassle for Tye and his caregivers.”

Despite Clip Grip originally being developed as a beer and jar gadget, the device ultimately tackles serious issues such as helping people with motor skill impairment effectively hydrate with less pain and hassle.

Clip Grip is dishwasher safe and fits on any drinking container. The material is an FDA approved food-grade silicone, contains no BPA, and is rated to 500°F (260C) and -40°F (-40C). The interlocking clasps surpassed various quality tests which allows Clip Grip to stay on indefinitely. Frequent reassembly is not required which benefits arthritic and medical users of Clip Grip.

The design and material selection of Clip Grip substantially reduces heat transfer from the hand to the container. During a temperature study, a beer was kept cold three times longer with Clip Grip as opposed to holding it normally.

After funding, this startup will be developing software to allow people to customize colors and print custom text on their Clip Grips for weddings, company outings, and events of that nature. “I think it’s going to be a big hit on social media” says the founder.

Clip Grip is currently available for preorder as part of the Kickstarter campaign, where it’s selling at $7.50 and available in 6 colors. It will retail for $9.95 after the campaign ends.

To learn more about Clip Grip or to book an interview, contact Justin Bauer at Justin@clipgrip.fun, or visit www.clipgrip.fun.

Kickstarter Link: https://www.kickstarter.com/projects/2143259754/clip-grip-universal-handle-attachment-for-any-cont?ref=4hzrpc

 

Source: imported from this press release.

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Where to Buy the Best CBD Oil?

Searching for the best CBD? Then you have come to right place! We have sourced the highest-quality CBD oils and drops, at affordable prices like these, you won’t be able to do anything but buy CBD oil drops!

If you’re searching for CBD products or looking to buy CBD drops, or looking to buy CBD wholesale in Europe, then Pharmahemp has all your CBD needs covered. There are hundreds of different CBD products available, but when you’re trying to buy CBD oil or buy CBD wholesale in Europe, then you need to shop with a reputable company like Pharmahemp. The reviews really do speak for themselves, with customers excited about the high-quality CBD, fast delivery, and excellent customer service.

Pharmahemp CBD drops are available in high-quality 10ml glass bottles with pipettes for ease of use and security. Our CBD drops contain 5% (500 mg) of cannabidiol (CBD). They are made from cannabidiol (CBD) from the supercritical CO2 extraction of industrial hemp (Cannabis sativa L.) diluted in olive oil (Cannabis sativa L.). Our CO2 extraction process is designed to preserve other cannabinoids such as the terpenes, nutrients, and flavonoids. All the CBD drops at Pharmahemp have been analyzed and tested to ensure microbiological adequacy, and cannabinoid ratio is perfect. When you buy CBD drops from Pharmahemp, you can rest assured that they are free of parabens or any artificial dyes, scents, toxins, and heavy metals.

All the CBD drops produced at Pharmahemp are made from 100% organic material that has been grown and cultivated without the use of pesticides and herbicides. Their hemp plants are harvested by hand in the beautiful subalpine region of Croatia and Slovenia. It doesn’t matter where you’re located, if you are looking to buy CBD wholesale in Europe, Pharmahemp will be able to help you!

Pharmahemp is committed to sourcing the finest quality ingredients and utilizing strict internal quality controls. This means that when you buy CBD wholesale in Europe or buy CBD drops, you’re getting a CBD product which has undergone strict testing and delivers exactly what it says it’s going to. Pharmahemp has chosen to focus on high-quality CBD products and excellent customer service. Which means that when you buy CBD drops, they’re going to be even better than you expected.

To meet all their high internal standards, Pharmahemp collaborates with only the most qualified and best-equipped laboratories. They ensure that all stages of manufacture and production, Pharmahemp’s CBD products are some of the best CBD oils available anywhere in the world.

If you have been thinking of CBD drops, then Pharmahemp has the CBD drops you need. If you have been thinking about CBD oil, but not quite sure if it’s for you, be sure to check out Pharmahemp’s FAQ page which will be able to answer any questions that you have about buying CBD drops, or where you can buy CBD whole in Europe. Their CBD products are extracted from the seeds and stalks of industrial hemp plants.

Source: imported from this press release.

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Where to Buy the Best CBD Oil?

Searching for the best CBD? Then you have come to right place! We have sourced the highest-quality CBD oils and drops, at affordable prices like these, you won’t be able to do anything but buy CBD oil drops!

If you’re searching for CBD products or looking to buy CBD drops, or looking to buy CBD wholesale in Europe, then Pharmahemp has all your CBD needs covered. There are hundreds of different CBD products available, but when you’re trying to buy CBD oil or buy CBD wholesale in Europe, then you need to shop with a reputable company like Pharmahemp. The reviews really do speak for themselves, with customers excited about the high-quality CBD, fast delivery, and excellent customer service.

Pharmahemp CBD drops are available in high-quality 10ml glass bottles with pipettes for ease of use and security. Our CBD drops contain 5% (500 mg) of cannabidiol (CBD). They are made from cannabidiol (CBD) from the supercritical CO2 extraction of industrial hemp (Cannabis sativa L.) diluted in olive oil (Cannabis sativa L.). Our CO2 extraction process is designed to preserve other cannabinoids such as the terpenes, nutrients, and flavonoids. All the CBD drops at Pharmahemp have been analyzed and tested to ensure microbiological adequacy, and cannabinoid ratio is perfect. When you buy CBD drops from Pharmahemp, you can rest assured that they are free of parabens or any artificial dyes, scents, toxins, and heavy metals.

All the CBD drops produced at Pharmahemp are made from 100% organic material that has been grown and cultivated without the use of pesticides and herbicides. Their hemp plants are harvested by hand in the beautiful subalpine region of Croatia and Slovenia. It doesn’t matter where you’re located, if you are looking to buy CBD wholesale in Europe, Pharmahemp will be able to help you!

Pharmahemp is committed to sourcing the finest quality ingredients and utilizing strict internal quality controls. This means that when you buy CBD wholesale in Europe or buy CBD drops, you’re getting a CBD product which has undergone strict testing and delivers exactly what it says it’s going to. Pharmahemp has chosen to focus on high-quality CBD products and excellent customer service. Which means that when you buy CBD drops, they’re going to be even better than you expected.

To meet all their high internal standards, Pharmahemp collaborates with only the most qualified and best-equipped laboratories. They ensure that all stages of manufacture and production, Pharmahemp’s CBD products are some of the best CBD oils available anywhere in the world.

If you have been thinking of CBD drops, then Pharmahemp has the CBD drops you need. If you have been thinking about CBD oil, but not quite sure if it’s for you, be sure to check out Pharmahemp’s FAQ page which will be able to answer any questions that you have about buying CBD drops, or where you can buy CBD whole in Europe. Their CBD products are extracted from the seeds and stalks of industrial hemp plants.

Source: imported from this press release.

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Tips For Switching Your Broadband

Switching broadband is a good idea as it can help you save some money and here are some tips to do so.

1.  Always make sure you compare several providers

There are numerous broadband providers that are available, and each offers slightly different prices and features.  When you are looking to switch to a different service make sure to make use of a price comparison tool to find out which ones will provide you with the best deal and what options are available in your area. This will help you switch to a cheaper deal

2. Check your contract

Contracts for Broadband have a tendency to last for a while, so before you take out a new one find out what is happening with your current provider.

If you are not within the minimum terms of the contract any longer, then you can switch to a different service.  If you are within the contract’s minimum terms still, you can make a switch, but most likely you will need to pay a cancellation fee – and it is often large.

If a random price hike was introduced by your provider with the past 30 days, or if the speeds you are receiving are not fast enough, or you think your provider is in breach of your contract in some other way, then it might be possible for you to cancel the contract without being penalized.

3.  Determine what speed you need to have 

Broadband package download speeds can range from the slow pace of 2Mb out in the country all the way to an incredibly fast 1GB (1,000Mb) in some locations.

So it is important to determine the speed that you need – and whether or not you should pay the extra to get a fiber optic connection.  A package that offers superfast speeds of 24Mb and over is good for downloading large files on a regular basis, for playing games online, for streaming lots of videos, or for large households.  If you aren’t sure what you need, then a speed checker can be used to see what speed you are getting currently so that use that to compare other services.

4.  Limits or No Limits?

Most broadband packages these days are unlimited, which means you can download and use as much as you want to without running into any type of cap.

If you only use the internet for short periods of time – less than one hour per day of basic browsing, no streaming podcasts or music, no watching videos, no online gaming – then you might be able to save some money by choosing a limited, less expensive download package.

However, in general, unlimited broadband has a tendency to be comparable with capped counterparts when it comes to price.  So for your peace of mind, we recommend that you go with an unlimited option.

5.  Bundle 

Do you use some pay-TV or a phone line?  If so, you can save some money by bundling them with your broadband service.

Home phone

For talkative households that use landline phones quite a bit, search for a package that includes calls – whether it is unlimited anytime calls or weekend and evening calls.  On the other hand, if you don’t ever use the hone, then go with either basic pay-as-you-go calling or broadband-only.

TV

Bundles from Virgin Media or Sky are ideal for big televisions fan and great for getting lots of premium channels.  Or to get a couple of extra channels – or to be able to add on services such as Sky Cinema or BT Sport – search for basic TV from either TalkTalk or BT.

Source: imported from this press release.

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Tips For Switching Your Broadband

Switching broadband is a good idea as it can help you save some money and here are some tips to do so.

1.  Always make sure you compare several providers

There are numerous broadband providers that are available, and each offers slightly different prices and features.  When you are looking to switch to a different service make sure to make use of a price comparison tool to find out which ones will provide you with the best deal and what options are available in your area. This will help you switch to a cheaper deal

2. Check your contract

Contracts for Broadband have a tendency to last for a while, so before you take out a new one find out what is happening with your current provider.

If you are not within the minimum terms of the contract any longer, then you can switch to a different service.  If you are within the contract’s minimum terms still, you can make a switch, but most likely you will need to pay a cancellation fee – and it is often large.

If a random price hike was introduced by your provider with the past 30 days, or if the speeds you are receiving are not fast enough, or you think your provider is in breach of your contract in some other way, then it might be possible for you to cancel the contract without being penalized.

3.  Determine what speed you need to have 

Broadband package download speeds can range from the slow pace of 2Mb out in the country all the way to an incredibly fast 1GB (1,000Mb) in some locations.

So it is important to determine the speed that you need – and whether or not you should pay the extra to get a fiber optic connection.  A package that offers superfast speeds of 24Mb and over is good for downloading large files on a regular basis, for playing games online, for streaming lots of videos, or for large households.  If you aren’t sure what you need, then a speed checker can be used to see what speed you are getting currently so that use that to compare other services.

4.  Limits or No Limits?

Most broadband packages these days are unlimited, which means you can download and use as much as you want to without running into any type of cap.

If you only use the internet for short periods of time – less than one hour per day of basic browsing, no streaming podcasts or music, no watching videos, no online gaming – then you might be able to save some money by choosing a limited, less expensive download package.

However, in general, unlimited broadband has a tendency to be comparable with capped counterparts when it comes to price.  So for your peace of mind, we recommend that you go with an unlimited option.

5.  Bundle 

Do you use some pay-TV or a phone line?  If so, you can save some money by bundling them with your broadband service.

Home phone

For talkative households that use landline phones quite a bit, search for a package that includes calls – whether it is unlimited anytime calls or weekend and evening calls.  On the other hand, if you don’t ever use the hone, then go with either basic pay-as-you-go calling or broadband-only.

TV

Bundles from Virgin Media or Sky are ideal for big televisions fan and great for getting lots of premium channels.  Or to get a couple of extra channels – or to be able to add on services such as Sky Cinema or BT Sport – search for basic TV from either TalkTalk or BT.

Source: imported from this press release.

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Tips For Reducing Your Credit Card Debt

Putting yourself in a good financial position is always important, and one of the best ways to do this is to reduce your credit card debt.  Or, even better, eliminate it entirely.

A disciplined and structured approach can help you eliminate your credit card debt, whether you have a $30,000 or $3,000 balance.  Use the following tips to help get rid of your debt as fast as possible.

1. Find Out Where You Stand

You need to take stock and know where you stand before you can begin to reduce your credit card debt.  Many people will think that there is debt is a certain amount – like $8,000 – when in reality it is actually $10,000 or $15,000.  If you don’t know what your actual target is you will never be able to hit.  You need to be completely honest with yourself about what your current situation is.

Action plan: Write your amount of debt down on each card you have – along with the interest rate.

2.  Improve your interest rates.

 

The fastest way to save a lot of money on your credit card bills is negotiating a lower interest rate.  Shaving just one to two percentage points can end up saving you hundreds of dollar as you are paying your debt off.  Just making a simple phone call and asking politely might be all you need to do.  Although your credit score does play a significant role in whether you will receive a rate cut or not, that isn’t the only factor that is considered.  Each lender approaches this issue in its own way.  It doesn’t hurt to ask.

Action plan: Call each of your credit card companies and ask for a lower interest rate.  If successful, write your new interest rates down.  You might also want to check out low interest and 0% APR credit cards.

3.  Keep Track Of Your Expenses

Write down all of your committed, regular expenses (mortgage, insurance, utilities, car payments, cable, gym, phone, minimum credit card payments, etc.P and also track your other variable expenses like travel, entertainment and restaurant meals.  You will be using this information to get your budget set up.

Action plan: Review one year of bank statements and credit card bills to give you an accurate picture of what your monthly spending is, and use financial software or a notebook to track your expenses.  This will help to reduce debt payments

4.  Create your budget

Now it is time for you to cut out some of your expenses.  The key here is to be realistic about it.  Some sacrifices will need to be made, but it isn’t necessary for you to live on water and bread alone.  It can be more effective to cut back instead of cutting out certain things completely.  It can be difficult to make dramatic adjustments to your lifestyle, and quite often small adjustments end up adding up to large savings.  Quite often you can get the jump start that you need by doing things like changing the temperature on your thermostat by a couple of degrees, downgrading your premium cable plan or cutting out one pizza dinner every week.  Make sure that you give your budget some breathing room in case some unexpected expense or emergency comes up.

Action plan: Come up with three ways that you either downgrade or cancel services and cut back immediately.  Write them down. Divide up your discretionary monthly budget into weekly segments so you can better monitor whether you are staying on track or not.

5.  Select your payoff strategy.

When it comes to payoff strategies for credit cards, there are two common ones.  The first one is to send all of your extra money to the card with the highest interest rate and make the minimum payments on the other cards.  Overall, this is the fastest way to reduce your debt.  After you have paid off the first card, you will have more money, and you should be able to apply it to your credit card that has the next-highest rate, and so forth, to create a snowball effect with your debt payoff.  With the second strategy, you first pay off the credit card that has the lowest balance while making the minimum payments on your other cards.  Although this isn’t the most cost-effective method for getting rid of your debt, it is the quickest way to get rid of debt on one credit card, and it may give you a psychological boost to get rid of a bill permanently.

Action Plan: Select your strategy, and then get your cards ranked in the order you will paying them off.

6.  Put away your plastic

In a 2000 study conducted by MIT researchers, they found that students who paid by credit card were willing to spend twice as much as what someone paying in cash.   You can end up saving a lot of money when paying with cash because you start becoming more aware of your purchases.

Action plan: Put your credit cards someplace where they won’t be easily accessible.  However, don’t cancel them. Whenever possible, pay with cash.

7.  Find your support and motivation.

Having concrete goals will help to stay focused.  If you get rid of debt maybe it will allow you to stop worrying about each bill that comes to your mailbox, or go on your dream vacation or save money for a downpayment on your dream home.  Find people to swap challenges, successes, and stories with.  There are plenty of forums and other places online where you can get support and find like-minded people.

Action plan: Write your goals down and keep them with you in your purse or wallet.  Anytime you are tempted to overspend, look at your goals to remind yourself of what your big picture is.

8. Track your progress.

Although you don’t want to worry about your bills every day, watch your spending.  Every couple of months you should take a look at your progress.  Don’t let it consume your entire life.  It took you time to accumulate all that debt, so it will take some time to get rid of it as well.

Action plan: Add reminders to your calendar for checking your finances.  Having a page that has your starting balances on it, and then compare them with your current balances to check on your progress.

Source: imported from this press release.

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