Sunday, December 1, 2019

The Millionaires in Succession - Power, Money and One Dysfunctional Family


HBO's latest hit show Succession depicts the lives of members of the millionaire Roy family. The brain child of Jesse Armstrong is slowly becoming as popular as Game of Thrones and there is a lot of hype surrounding the show.
The hype stems from Succession's leitmotif - money and power are so important to people that they would do everything to obtain them. This is nothing new as people have always been preoccupied with getting their hands on more cash and more power. Whether it is acquiring new businesses, violent mergers or bear hugs, the motivation is always more money and greater power.
Even when it comes to much simpler things such as games of chance at casino sites like novicasino.com, the motivation to go there is still the same, to increase your bank balance and to feel powerful. In fact, we would even say that the primal instinct to win more money and be more powerful as a result is the driving force behind the existence of every game of chance out there.

Millionaires that Everyone Loves to Hate
These basic instincts are covered nearly to perfection in every scene of Succession containing more than one family member. This is because the show aims to unveil not only the privileged life that the Roy family leads, but also to illustrate how the brutal business environment that the family lives in erodes their relationships.
The show puts a new spin to the family drama genre and effortlessly transitions between the infighting happening inside the family and everyone's individual efforts to stay on top. It is fair to say that this recipe keeps audiences glued to the screens. The Roy family's millionaires are terrible, but, still, everyone loves to hate them and go on a binge watching marathon.

Whose Side are you on?
One of the things which make Succession such a good recipe for a TV show is that people can cheer for their favourite Roy during each episode. At one point in the show you desperately want Kendall, the natural successor to his father's throne, to take over the entire company and you are on his team with all your heart and soul. However, a couple of episodes later, you are cheering for the father, Logan Roy, to keep his empire and even make it bigger by acquiring one of his biggest rivals.
The show’s writers manage to manipulate audiences’ feelings every single episode by subtly influencing a character’s thinking and decisions. For example, the youngest sibling, Roman Roy is presented as something of a loose cannon with his in-your-face attitude. However, the writers manage to make the audience feel for him by carefully manipulating the action around him. This is especially true when he is put on the wrong end of his father’s anger in episode 6 of season 2. Logan Roy’s slap knocks out a tooth, but also wins Roman quite a lot of supporters watching at home.
Similarly, during the first couple of episodes most people were enamoured with Shiv, Logan Roy's only daughter and arguably the only sane person in the family. However, one extra marital love affair and a couple of wrong career moves later and suddenly no one is on team Shiv.

Wednesday, November 20, 2019

How Regular People Waste Money Every Day

Regular people are wasting so much money every day. The truth is, you don’t
need to spend money on many of the things you’re spending on, and over time,
this is really adding up. Below, we’re going to give you an idea of how regular
people just like you are wasting money. Take a look and see what you can cut
back on if you’d like to create a more favourable financial situation: 

The Coffee On The Way To Work
Buying a coffee on the way to work is almost a spiritual practice for some people,
but doing this every day, 5 days a week can really add up.
Takeaway coffee is expensive, and the best thing you can do is stop buying
takeaway drinks altogether. Instead, invest money in a coffee machine and
make it yourself at home. Over time, the savings will add up!

Buying Lunch Out 

Making your own lunch at home is not only healthier, but far more cost-effective.
Store bought lunch can be extortionate, and doing this even just a few times a
week can add up. 

Sticking To The Same Bill Suppliers 
Why would you stick to the same bill suppliers when there are so many out there
who can offer you a better deal? Start by looking at your car insurance and deciding
if you can get a better deal elsewhere. You can then look at your electricity supplier,
and so on. When it’s time to renew, looking at better deals will at least give you more
leverage to negotiate. Don’t waste money just because you can't be bothered to
check and switch!  

Going Out For Dinner/Ordering Food
Going out for dinner is a huge expense. Yes, it’s fine to enjoy it on ‘date night’.
However, you shouldn’t waste money on going out for dinner more than once a
week (and even that is pushing it). You could likely buy one whole weeks worth
of food for the price of a meal out. 

Credit Card/Debt Interest
If you’re not paying off your credit card or debt interest, that is going to add up
every day. While saving is important, paying off your debts first is more important
and will make the biggest difference to your stability. 

Impulse Buys 
Be more mindful when you’re shopping and looking around. Stores will tempt you
in all kinds of ways to buy things that you were not initially planning on buying. Be
mindful of their marketing tactics and avoid impulse buying. Know what is a want
and what is a need. Think about wants for a good few weeks before splashing out. 

Buying Brand Name Products 
Oftentimes, store brand products are just as good as the bigger brand names.
Switch just one thing per week and overtime you could save a huge amount on
your food shop and cosmetics/toiletries! 

Regular people are wasting money every day, and you probably are too. Heed
this advice and you can start putting more money away for the things that are
truly important. 

Tuesday, November 19, 2019

Speedy Ways To Save Up For Your First Home

Getting on the property ladder is more challenging than ever. However, you needn’t have to spend decades saving up for a deposit. Here are several speedy ways to save up for your first home.
Shop around for the best savings account
To help increase your savings, it’s worth putting your money in a high interest savings account. You should spend time shopping around to find the best interest rates. Don’t just look at brick-and-mortar banks – online banks are also worth a look. Interest rates can change from year to year, so it’s worth also keeping your eye out for new savings deals. You can use sites like finder.com.au to compare savings accounts.
Save up with someone else
Buying with somebody else is the best way to save up faster. It’ll take you half the time to afford a deposit if you’re both earning and contributing the same amount. Most people save up with a partner, but it’s possible to also save up with a family friend or even a friend. You can even save up for a property with more than two people – which could even allow you to afford a large house.
Take advantage of government incentives
All around the world, governments have been coming up with individual incentives to help people afford property faster. These could include discounts on property or grants to help contribute to your savings. Do your research online to find out about your local first-time-buyer government incentives.
Look into low deposit mortgages
Not all lenders look for a 20% minimum deposit. In fact, there are mortgage lenders out there will to accept less than 5% - and even no deposit in some cases. While eligibility requirements can be stricter, they’re not always as strict as many people assume. Sites like no1propertyguide.com.au have more information on these mortgages. By using a mortgage broker, you may be able to get access to deals that aren’t on the market.
Know where to look for cheap property

The price of the property also makes a difference on the value of the deposit. Consider searching in different places when looking for a property. There’s a growing trend in first time buyers purchasing homes at auction – these properties are often much cheaper than those being sold conventionally. Location can also make a big impact on the price and could be worth considering if you have no strong ties to a particular place. Sometimes even moving to a new area of the same city or town can lower prices dramatically.  

Friday, November 15, 2019

3 Ways Wasted Time Can Hurt Your Business



Any business owner who has been operating for longer than a few minutes will be
aware of the threat that waste poses to the success of their business. The primary
area in which this concern arises is, of course, on the financial side of the business.
Any money that is wasted will, by definition, be money that does not end up in the
profit column - and therefore affects your bottom line significantly.

However, just as much attention needs to be paid to the risk of wasted time in your
business. As is so neatly explored at https://quoteinvestigator.com/, countless very
clever individuals have agreed over the years that “time is money” - and nowhere is
this truer than in the corporate world, where money and time are firmly interlinked in
the form of salaries, potential profit and more besides. In order to avoid losing time -
and, therefore, money - it’s important to make sure your business isn’t falling victim to
the following ways of wasting time.

Lack of communication

For any business to operate efficiently, all of its different departments need to be on
the same page, or at least reading from the same book. However, sloppy communication
happens all too often, and can lead to your business losing time it can ill afford to lose.
It is essential to keep a tight leash on processes so that you know who is in charge of
which part of a project, and when each stage has been completed. During any
multi-department project, use systems such as
that departments don’t find themselves waiting around for more information.

Meetings, meetings, meetings

One of the great business cliches of this generation is the legendary “meeting that
could have been an email” - and while communication is a valuable thing in business,
getting employees together for a meeting is often a serious waste of time. Before
arranging a meeting, ask yourself: “Is it absolutely necessary that these people
are in the same physical space for the next 15/30 minutes?”. If the goals of the
meeting could be achieved another way, then it’s not worth taking its potential
attendees off the jobs that they are paid to do, and holding up important work. 

Failure to update legacy systems

System downtime can rob any business of large swathes of time and - in truth -
sometimes it can’t be foreseen or prevented. However, it can be made less likely
by ensuring that you aren’t holding onto legacy systems for longer than you need
to be. It may cost money to update your network, and it may take time to overhaul
the way you do things, but balance that time and money against the value of the
work hours that will be lost if you cling to the old ways - you’ll find that updating
your systems prevents costly downtime and makes your business leaner and
more flexible.


The above are three examples of ways that time can be lost. There are more besides - have you identified any ways you could cut down on wasted time in your business?

Tuesday, November 12, 2019

How To Make Your Dream Home A Reality



Image by Michal Jarmoluk from Pixabay 

In today's climate, many people are struggling to buy a house, nevermind their
dream home, the one they really want, and the one they want to stay in for the
rest of their lives. But if you have the time and you have the money, then
perhaps building your own house is a possibility. If you've not thought about it
before, then there are a number of benefits to building your own home.

These include getting the exact amount of bedrooms and dimensions of the
rooms that you want, choosing everything from the shape of the property to the
floor plan, and including all the green and eco-friendly features you want to, to
name a few. As well as getting exactly what you want, most self builds should
also be worth considerably more than they cost to build, meaning that you get
your dream home for a fraction of the market price.

So, what do you need to do? 

Work Out Your Budget
Start off with researching; you need to know how much the land will cost, the
architect fees, builders fees, cost of materials, fixtures, fittings, and everything
else you will need when you build a property from scratch. Do you know what
materials you want to build with and how much they will cost? Then you need
to think about if you are able to cope with such a huge financial commitment?
And will you be able to afford to pay alternative rent or mortgage for somewhere
to live while this house is being built? 

Choose Your Location
Location is one of the most important things when it comes to moving house,
but it is even more so when you're looking to build your own. Your starting point
should be to speak to estate agents, look at property websites, and check land
auctions. You should also check whether any land developers, local farmers, or
utility companies have any undeveloped land in the area and find out if they are
open to offers. Then like with any house you need to consider how you will get
to and from work, is there useful links to public transport, local schools, and
amenities? 

Look At Different Options
desirable and affordable option for many buyers looking to enter the property
market. According to recent research from houseandland and Lonergran, 25%
of Australians who are looking to buy their first home within the next five years
will look to build a new home. It also states that a new home build on average is
more affordable than buying a move-in ready home, and savings are reported to
be around 14%. House and land packages also offer a good solution to the
housing affordability crisis, and they are one of the easiest and fastest ways to
purchase a home that can be tailor-made to meet a family's needs. 

So, what are you waiting for? Don't put that dream house out of your mind; start
writing it all down and drawing pictures of what you see, then make it a reality.