Office Equipment: To Lease or To Buy?

The moment you start your own business, you may feel entitled to immediately go shopping for office equipment to furnish it. However, you may be torn between two options: whether to buy or just lease the equipment. Which would be the smarter move? In order to identify which will be better for your business, make sure that you base your decision on your capital and flexibility. To help you through, know how both of these choices can help you or do otherwise.

Leasing office equipment

Although choosing to lease your office materials will give you the chance to be flexible, long-term leasing might pull you down since it can be a bit pricey. An advantage of leasing, though, is that it does not require a down payment – or in some cases, only a little. This will help save your budget a couple folds. Moreover, you may be able to acquire specific tax deductions for lease costs. But the greatest benefit would be that you could easily replace office equipment the moment they get obsolete and hardly-functional.

Pay to Rent or Lease Office Furniture and Equipment

Pay to Rent or Lease Office Furniture and Equipment

However, it could have its downsides, too. For one, leasing can be expensive. At times, it would be as expensive as just simply purchasing the equipment instead. More so, you do not own the equipment, technically-speaking, while you keep on paying for it. Furthermore, once you’re in a leasing agreement, you may not be able to change that decision to buying an item instead.

Buying office equipment

A lot of business owners who have more capital would definitely prefer to buy their office equipment rather than lease them. The advantage of buying them is that you can claim ownership over those items, of course. You are not only assured that you will not be accounted for the damages; buying items will also build your list of assets. You could also be able to take advantage of the tax breaks that will be made available for businesses that invest in their office furniture and other equipment. Plus, you will get depreciation deductions for your equipment, too.

On the flip side, buying will require you to give a down payment if you buy on time. It will also restrict your credit, which you may have used on other matters in case of emergency, once you’ve charged your new equipment to your credit line. Moreover, you will need to be able to maintain your equipment yourself and it may cost you a lot of money, not to mention, trouble.

Office Furniture and Equipment: Buying Second Hand Furniture

Office Furniture and Equipment: Buying Second Hand Furniture

The verdict

There are pros and cons to each decision, so the choice of buying or leasing would only be up to you in the end. When your business relies on computers and is based on offices that move, leasing might be the good way to go. However, if your business revolves around a permanent central office, you should just consider buying your stuff.

5 Retirement Myths That You Should Ditch

There is nothing better to look forward to as you get older than your retirement. There are lots of things for you to do when you retire. You can have a vacation, travel, or just chill and relax somewhere. You have all the time in the world. However, there are things that you need to do and plan when you retire. There are also myths that you need to debunk in order for you to experience the best of your retirement.

1. Planning only on the year of retirement

This is one myth that you should ditch. Planning is a very integral aspect before you retire. It is during this phase that you set things straight and create goals during retirement. Failing to plan ahead will put you to doom. A year of planning is more than enough to make your retirement worth waiting.

5 hard facts on retirement

5 hard facts on retirement

2. Settle for 1 million dollars as savings

Sure 1 million dollars is a pretty huge sum of money, but this is not enough to last for the rest of your life. The prices are getting high and with a stumbling economy your savings will get exhausted before you die. Seek the advice of financial advisers and both of you will draft how much you will need for the rest of your life. Depending on your cost of living, you will probably need more than a million.

3. You can plan your retirement by yourself

As mentioned earlier, planning is very critical when you opt to retire. However, planning alone isn’t the best idea. Yes you can have the best plans for yourself, but you will certainly overlook some factors that experts have already studied. Sometimes people from the outside can see what you can’t. By having experts and advisers guide you, your plan will surely be and effective and fruitful.

Retirement myth you should ditch

Retirement myth you should ditch

4. Withdrawing your savings in lump sum is a great idea

Depending on how you use the money, withdrawing a lump sum may not be a good idea. However, if you do not need the money at the moment it will be a bad idea to withdraw it as a lump sum. Taxes will be high when you withdraw it, thereby decreasing the amount that you will get. Also, it will be easy for you to spend money as it is readily available. Withdraw systematically and save this money for emergencies or unplanned expenses.

5. Retire when you are at age 65

You might think that being 65 is old, but you are wrong. There are a lot of things you can do when you are 65 years old and you can be as productive as you can be. Try to delay retirement until the age of 70. When you reach this age, you will not only have big savings but you can also get more from your Social Security benefits.

Retiring can be fun. Do not be misled by myths about retiring. Always check your facts and don’t be afraid to seek professional advice. Myths may be based on truths, but somehow it is better to search for the truth than be entangled by these myths.

5 Best Long Distance Running Shoes That You Could Use!

Are you looking for a pair of sneakers that would meet your needs when it comes to distance running? There would be a lot of choice that you could check but only few past durability and effectiveness.

You have to consider a lot of things before getting running shoes. This will provide extra support and prevent major injuries. The following are 5 best running shoes:

1. NIKE ZOOM STRUCTURE TRIAX 15

If you are more on support, then you got the perfect shoes. Well fit and has cushioning trademark that guarantees a soft landing. When it comes to price, it is a great value.

This was also been designed for extreme comfort and perfect for running. It has feature called SHIELD that was made for water repellent materials.

Recommended for: runners with flat feet, and hard core runners.

Designed for: longs runs and marathon.

The 25 Best Running Shoes of 2013

The 25 Best Running Shoes of 2013

2. ASICS GT-2170

With Asics GT 2170, this is one of the core shoe that has been designed by Asics. With a PHF (Personalized Heel Fit) design made for comfort for running and a solid cushioned package. When it comes to stability, this is one of the most successful designs ever.

Recommended for: runners who like stability and comfort.

Designed for: walking, and marathon.

3. MIZUNO WAVE INSPIRE 8

This was designed for amazing fit and smoothness. It is lightweight and has a quick transition. When it comes to stability, your feet will be protected if you are in for a long mile run.

Recommended for: beginners.

Designed for: long run and training.

4. ADIDAS CRAZY-FAST

This is good for runners that prefer firm and lightweight design. Its versatility and durability would make a great partner for long distance road racer. And can be used for workout training as well.

Recommended for: runners who trained and do long distance road racer.

Designed for: hardcore running and training.

5. ADIDAS ENERGY BOOST

This was designed for bouncy neutral shoe; the comfort of being fresh even in long runs can be an advantage. It would perform well on rough road and dirt. All in all it’s a versatile shoe, than be worn in different runs.

Recommended for: all levels looking for a smooth ride.

Design for: rough road and any other runs.

adidas Energy BOOST your Run

adidas Energy BOOST your Run

Actually all running shoes are best, it only depends the comfort of the runner. We may say that these shoes are the best, because of the experience. Most the shoes have the same function like stability, comfort, and durability.

They only defer on prices. But it doesn’t mean that if the running shoes are worth more than $100, it will give you the best among the rest. So, before you buy running shoes. Make sure you are well equipping on the shoes that you would like to buy.

5 Natural Aphrodisiacs to Spice up Your Sex Life

Aphrodisiac derived its name from the Greek goddess of love and rapture of sexual desire, Aphrodite. It is the term used to call foods or pills which arouse sexual desire and often prescribed by sex psychologists for couples who wanted to boost their sexual life or those who are feeling a bit cold in their relationships.

Sex drives can change through time, age, and your overall relationship with your partner. If you feel like the odds are against you in adding spice to your relationship, then get those plate and start serving the following for dinner:

Oysters

Baked oysters are a classic favorite when talking about edible aphrodisiacs. According to anecdotal accounts, Casanova, a well-known lover boy of the 18th Century takes at least 50 oysters for breakfast every day. With that quantity, you’ll sure be ravishing with sexual desire for your partner, unless you have certain allergic reactions.

Based on myths, goddess Aphrodite sprang from a shell of Oyster. If myths were true, this should be enough explanation why oysters are well known food for the love mood. On a scientific basis, oysters have massive amount of zinc and enough iron which are both essential in having a healthy sperm count for males.

Chocolate

There’s one thing that can light up people in a bad mood: chocolates! Who doesn’t love it? Chocolates are said to have a high amount of serotonin, a chemical that affects the mood of a person turning it from lousy to active. Thus, chocolates can make you feel more affectionate towards your partner and certainly excited to do the “thing” together.

Perhaps, it’s one of the reasons why chocolates become staple every Valentine’s day.

menu-top-4-real-life-aphrodisiacs

menu-top-4-real-life-aphrodisiacs

Avocados

The Aztecs didn’t call avocado the “testicle tree” for nothing. Aside from its shape which resembles the human testicles, it is rich in vitamins A, E, and a good amount of fat which are all required in having a healthy and active sex life. These nutrients give your body and heart more endurance which allows you to have longer sexy time with your partner.

Pumpkin Pie

Forget Halloween and Thanksgiving. You’re about to have a one, steamy night after you serve pumpkin pies for dessert. In a study initiated by the Smell and Taste Treatment and Research Foundation in Chicago, the smell of a pumpkin pie can increase one’s sexual desires, particularly to men. The scent is said to increase penile blood flow by a whopping 40% than its usual state. The secret is the combined scent of other ingredients such as cinnamon and vanilla.

Coconut water

Coconut water is perfect for a hot weather, but do you know that it can spice up your nights as well? Coconut water has the same electrolyte content as with your blood, thus increases your metabolism. When your metabolism gets higher, you blood flow also increases in different parts of your body, including the genital areas. Although you can’t feel the effect of coconut juice as aphrodisiacs then and there, you are assured to have a healthy progress in your sex life and over all lifestyle.

10 foods to boost your libido

10 foods to boost your libido

Viagra and other synthetic sexual stimulants got their idea from nature itself. If you have a lot of time to make up with your partner why rush and take those pills that could pose health risks to you? These natural aphrodisiacs offer a healthier way of spicing up your relationship with your partner.

Social Photo Sharing Services: Top 3 Applications

Photo sharing has become a common activity for people who are engaged in social media. Through the combination of websites and applications, it is now easy for you to share your digital pictures publicly or privately. This is an alternative way for you to share and show pictures to the rest of the world. This does not necessarily mean that others can download your pictures. You are just sharing your pictures to people who you have allowed to view it or, depending on your copyright options, to people you have allowed to download and use these pictures.

Get that retro-looking image with Instagram

One of the most popular photo sharing application and website is Instagram. It is so popular that even Facebook opted to buy this company because of the potential revenue it will generate from this social media site. This application offers a lot of filters to users. The great thing about these filters and options are they are very easy to use. Using this application can simply transform your boring photos into the coolest pictures in the planet. The downside of using Instagram is that it is difficult to get a closer look of the photo you have taken. It is because the moment you zoom in the resolution will also be reduced, affecting the clarity of the picture. If you want to get the photo effects that you want without having a hard time editing it, then this is the application for you.

L.A., let Uber's cars share the road

L.A., let Uber’s cars share the road

Snapspeed app for serious photo editors

If you want to have greater control and more editing choices for your pictures, then it is best to choose the Snapspeed app. This is an application that has a great gesture-based interface that grants you total control in adding effects and editing photos. This is not an application for ordinary users. This is a very powerful application made for photo enthusiasts who are well adept at photography. The gesture-based interface can be pretty overwhelming for users, but with just a couple of tries you can get used to Snapspeed’s tools. You will just need a lot of practice, some motivation, and a little bit of patience if you want to master using it.

EyeEm, your Instagram alternative

When Instagram changed its terms of use, many users terminated their account and left the photo sharing site. One alternative that most people found is EyeEm. This is a great application to use. Like Instagram, it is easy to use with cool filters and editing choices that can pump up your pictures. It is so easy to use that your phones pre-installed camera options is more complicated than the application’s tools. Another great thing about it is that you can add text to your pictures.

Live discussion: sharing services to save councils money

Live discussion: sharing services to save councils money

There are no shortages of websites and applications that you can use to share photos. It is just up to you to pick one or several of them. Privacy options are also important when choosing an application. You don’t know where your photos will end up, so it is best to consider your copyright options.