How to Set Up a Great Work Station at Home

Whether it’s by choice or by force, many of us have gotten used to the idea of a home office, or at least a work station at home. In countless fields of employment, working from home is not only acceptable but sometimes encouraged, as it is a way for people to take care of family issues without sacrificing a day’s productivity. Consequently, gone are the excuses that you were “sick in bed.” Couldn’t you still send a few emails and fax reports? Of course you can, but sometimes a home office can be forbidding in its bland character. Here are the five ways to set up an office at home and get the job done.1. Get the desk right. Many people will take short cuts when it comes to their desk in a home office. There is no reason to compromise style and comfort, just because it’s an office. Think of it like the desk in your room: the look and character of it are just as important. Head down to a furniture store and see some of the classic models that are easy to work on and comfortable at the same time.2. Have the technology to deliver. Until you get truly high speed internet, more than one phone line and a high performance computer, it’s not really an office. Make sure your weakness doesn’t come from technology. If you have to make a compromise, make it on space. Have all of your pieces of the puzzle fitting together: when you need them the most, you’ll be able to deliver.3. Leave the cubicle in your office building. Dress up your work station like it’s a real part of your home. If you feel banished in a cubicle, your overall performance will suffer. Make the place comfortable. Put up some pictures on your desk. Make sure your chair is comfortable — though not nap-worthy — and schedule breaks in the day when you can perform chores around the house.4. Focus on lighting. Of course, natural lighting is best and keeps everyone working at a good pace and feeling positive in the process. It’s not always possible, however, so consider a second option. Fluorescent lighting may be cost-effective and environmentally sound, but some types can also give off truly ugly lighting. Use strong bulbs with light-tinted shades, making your work space a productive environment, without feeling like you are in a clinic.5. Don’t make it too comfortable. You want to make your home office or work space the opposite of drab and monotonous, but you don’t want to set up the Taj Mahal, either. Assume that you’ll need to stay focused and work at a reasonably fast clip, like you would at the office. Have your back well-supported, keep your posture upright and bask in the surroundings. However, don’t cross the line into unfettered coziness. Always dress like you’re going to walk through the doors of the office. This way, if your boss pays you a visit, you’ll make a good impression.

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5 Tips to Get Cheap Car Insurance

Getting a car insured today has become a matter that requires substantial research. For most people the main criterion of selecting or rejecting a car insurance company is price. Every body seems to be after ‘cheap’ car insurance. But how does one quantify cheap? To accurately compare quotes, you need to make sure the insurers you’re comparing are offering similar types and amounts of coverage, and also a similar deductible amount.Meanwhile, here are a few pointers on how to go about getting a car insurance that will be more affordable:Keeping all your eggs in the same basket may help you lower your car insurance costs. Some insurers give discounts if the applicant already has one or more insurances from the same company. For instance, if you already have homeowners insurance and another auto insurance plan from the company, chances are that you may have to pay less for insuring your new car. You can even ask them to give you a quote and compare it with that of other insurance companies.Keep your driving track record clean. Easier said than done, no doubt, but it really pays in the long run. If you have a couple of accidents to your credit, chances are that you may have to empty your pockets a little more to have your car insured. This is the auto insurers’ way of hedging the risk from your bad driving and safeguarding themselves from a possible claim in the near future.Increase your deductible amount. This is the amount that you agree to pay in the eventuality of a claim before the insurance company pays up. What this implies is that you are taking a risk of paying more if the need arises. But if you are a cautious driver and are confident that you are likely to be so in the future too, it will knock off a sizable chunk from your yearly payouts.Even the make of the car can determine how much you pay for the insurance of the car. Attractive and expensive cars are more theft prone and hence make the car insurance expensive. The inherent nature of the car and the likely profile of the user can also determine the insurance amount. ‘Volvo’, a symbol of safety, is likely to be driven responsibly but a Mustang is likely to be driven by a less cautious driver. Therefore if you are planning to buy a car in the near future, spare a thought on the insurance front too, since a ‘low-profile’ car can have a lower insurance cost.Take precautions to theft proof your car. This can affect your risk profile immensely, apart from giving you a general peace of mind. Cars equipped with anti-lock brakes, air bags and automatic seatbelts are also eligible for insurance discounts.Remember not to just go after the cheapest quote you get in the market. Do your homework, compare quotes and reimbursement track records of several insurance providers before you finalize your car insurance company.