How to borrow money when married

Many people are doubtful and paranoid when talking about getting married. Especially if you throw it with finance. Some think after marriage that you have to count because you have to support your partner.
Well, you are married, surely there will be people who will take you there to get it out. So you can’t just go around.
What is clear, those who are married have a more mature financial pattern.

The same partner can discuss financial finances

Well, if you are married, you have come down and discussed everything for financial matters. This is important for your future. Understandably, the beginning of a marriage is certainly millions of tastes, but a real challenge arises in the first year. Therefore, the discussion is related to your financial priorities. You must determine which one is prioritized and must be postponed. For example, prioritizing the purchase of a former home in installments of a vehicle. Also when starting to prepare finances for the baby.

Don’t forget to determine the regular delivery

Determine the amount of routine expenditure (living expenses) during a very good afternoon. Don’t be too wasteful but don’t be too stingy. Just be realistic. You must explain the number of routines such as electricity bills, monthly shopping, transportation, and recreation. The goal is to make it easy to calculate every month. In addition, it can also analyze which posts can be reduced. Interested in finance you can visit

All shipments and entries must be recorded

Noting all income and expenses is mandatory. The goal is for mothers to know the financial balance. It looks trivial. But this is often overlooked. Therefore you must be consistent with everything and income that you get. This is also to train your finances properly.

Insurance or emergency funds

If you have a family, someone who needs life insurance or other insurance such as school and health. Insurance in principle is a financial change in the event of an unwanted disaster. Well, so that family finances do not interfere, can choose insurance. If you are not comfortable with insurance, you might be able to imagine an emergency fund. Its function is to anticipate if things suddenly happen. There is a large amount of money.… Read More

Three Ways to Increase Efficiency In Your Office


If you work in an office, either as a manager or as an employee who wants to see things done right, you know how important it is to be efficient. Efficiency saves time for your employees to get their work done correctly and well. It also saves money for your office in the form of reducing redundancy and helping you to avoid wasting resources. However, you may be unsure of how to make your office more efficient. Here are three ways to get started.

Use Technology to Save Time and Money

Take advantage of the many different types of technology that are now available for you to use. Keep on top of the new developments in technology so that you can choose tools and devises that will help to save you time and get more done in the time that you have. For example, look into developments like call in dictation systems from companies like Voiceware Servers and see if they can save you the hassle of trying to deal with dictation when you’re on the road. There are many labor-saving devices that come out each year that may be useful for your office.

Keep the Employees That Work Well

One of the biggest wastes of time in the office is looking for, hiring, and training new employees. It is much more efficient to keep the employees that you already have than to replace them, especially if you factor in the many costs of searching for new employees as well as the weeks or even months that it may take them to catch up. Offer good benefits and pay so that you can keep your employees and so that they’ll be motivated to work for your success.

Minimize Waste

Be environmentally responsible at the same time as you are efficient. Stop wasting paper on emails and reports that can be done online. Share information through the cloud instead of wasting time sending individual emails. Cut done on energy use in your office and encourage employees to be responsible about using office resources.… Read More

How we use the Gantt chart

Does My Mobile Development Project Need a Gantt Chart to Succeed?

To answer this question simply, no. There’s really no individual tool, concept, or option that is so vital to a development project that there’s no possibility of success without it.

That having been said, I have yet to come across a better method of communicating the full scope of a project’s timeline in terms of resource allocation (developer’s time) that is both flexible and predictive enough to adjust to changing circumstances, than the Gantt chart.

For that reason, we include creating and maintaining a Gantt chart as part of our overall project management offering and we insist on using it for any project more complicated than a 4-page brochure-style website.

What the Gantt chart does

Here is textbook definition of the Gantt chart’s basic function, as described on

A Gantt chart, commonly used in project management, is one of the most useful and popular ways of showing activities (events or tasks) displayed against time. On the left of the chart is a list of the activities and along the top is a suitable time scale. Each activity is represented by a bar; the position and length of the bar reflects the start duration, end and date of the activity. This allows you to see at a glance:

  • What the various activities are
  • When each activity ends and begins
  • How long each activity is scheduled to last
  • Where activities overlap with other activities, and by how much
  • The start and end date of the whole project

To summarize, a Gantt chart shows you what has to be done (the activities) and when (the schedule).

In reference specifically to software development – whether for mobile, web, or any other custom application – the Gantt chart can be used to break down individual tasks required to successfully complete the project and/or human resources needed for scheduling purposes.

The format’s flexibility and simplicity make it particularly effective for visualizing complex projects in an easily digestible way. The more complex a project is, the more valuable the Gantt chart becomes.

How we use the Gantt chart

Our development studio focuses primarily on enterprise-level custom software development. The projects we work on most tend to be involved and fairly complex, often requiring a project timeline of six months or more. These clients like to have a thorough understanding of our strategy before development commences and they want to be kept in the loop throughout the project.

We use agile development methods whenever possible, so we tend to internally organize our time and task priorities into 2-week sprints and then execute in such a way that we can freely collaborate and adjust priorities on the fly to accomplish the most for our clients.

We’ve found that creating a Gantt chart during the initial analysis phase of the project serves both us and our clients well as a means of visualizing the full scope of work. As the analysis period comes to an end and … Read More