6 Mileage Tracker Apps That Will Track Your Mileage and Expenses

6 Mileage Tracker Apps That Will Track Your Mileage and Expenses

If you’re a Lyft or Uber driver, you already know how important it is to track your work-related mileage and expenses.

You need that information to appease the IRS gods come tax return time and to make sure you’re squeezing out every last penny in deductions.

But rideshare drivers aren’t the only people eligible for mileage tax deductions. If you drive your personal vehicle for other kinds of paid work or use it for charitable, moving or medical purposes, you may also qualify for a standard mileage rate deduction.

6 Free Mileage Tracker Apps We Love

Back in the old days, tracking mileage meant pulling a crumpled notebook out of the glove box and hoping your pen wasn’t out of ink.

But now there’s an app for everything — including ones that automatically track mileage for you.

Here are our favorites.

1. Everlance

This versatile app not only tracks your mileage but also helps you keep track of all your other business expenses.

Everlance starts and stops automatically. It detects when your car starts moving and records the miles you drive. With a quick swipe of your finger, you can categorize each trip as work-related or personal. You can also set your work hours, automatically classifying drives during those hours as business trips.

There are three pricing tiers:

  • Basic: Pay nothing to track 30 automatic trips a month. You’ll also get unlimited receipt uploads and IRS-compliant reports.
  • Premium: For $5 a month billed annually or $8 a month billed monthly, you’ll get unlimited automatic trips a month. You’ll also be able to sync your credit and debit cards, receive PDF and Excel reports and get a deduction finder, among other features.
  • Premium+: For $10 a month billed annually or $12 a month billed monthly, you’ll get all the features of the Premium level, plus individual training with an account manager and customer support.

2. Stride

Stride is a free app that runs in the background, quietly logging every mile you drive and then generates an IRS-ready report that you can use to do your taxes.

Stride is available at iTunes and Google Play.

3. TripLog

TripLog has eight different options for tracking miles. There are three pricing options, all of which come with a 30-day free trial:

  • Lite: This free, manual option is for a single user and tracks up to 40 trips a month, as well as tolls and parking. It is only available as an app, not on the web.
  • Premium: This option is for up to 10 users and costs $4.99 per user per month or $59.99 if billed annually. It is available both as an app and on the web and automatically tracks trips. You can also add expenses like fuel and meal costs.
  • Premium + Time: This option is for up to 10 users and costs $6.67 per user month or $79.99 billed annually. In addition to the features of the Premium plan, it includes time tracking, a clock-in/clock-out timesheet and and more.

TripLog is available at iTunes and Google Play.

4. Hurdlr

Hurdlr tracks mileage, expenses, income and tax deductions. The three pricing options are:

  • Free: This version includes unlimited mileage tracking, as well as the ability to add income and expenses. It also provides a tax calculations summary and a feature to export or email reports.
  • Premium: For $5 a month billed annually or $8 a month billed monthly, you’ll get unlimited mileage tracking, as well as expense tracking and income tracking. You’ll also get calculations for state and self-employment taxes.
  • Pro: This option costs $10 per month billed annually. On top of the Premium features, you’ll get annual tax filing, as well invoicing, accounting, advanced accounting and more.

Hurdlr connects to thousands of financial institutions, allowing users to link their Hurdlr account to their bank or credit union. Every time you get paid, Hurdlr sends you a real-time notification.It also integrates with Uber, Square, Freshbooks, Stripe and Paypal to automatically import expenses and income.

Hurdlr is available on iTunes and Google Play.

5. MileIQ

MileIQ includes a free version that tracks 40 trips per month. You can also choose one of two unlimited options: The first, which costs $5.99 per month and includes unlimited mileage tracking, is said to be best for occasional driving. The second costs $4.99 per month or $59.99 billed annually, and includes automatic mileage logging for those who drive more often.

Like other mileage tracking apps, MileIQ automatically captures your drives and delivers a comprehensive mileage log whenever you need it. You can classify your drives into categories like business, personal or charity and then simply swipe with your thumb to assign them to the correct list — or let MileIQ do it automatically.

MileIQ is available on iTunes and Google Play.

6. Mileage Expense Log

Mileage Expense Log is a free app. It stands out for its included rate book that allows users to quickly check mileage rates. As long as you keep your phone’s GPS turned on, Mileage Expense Log automatically tracks and logs all your drives.

If you’re a number cruncher, you’ll enjoy sorting data by date, purpose or even vehicle. Or you can export your entire database as HTML or CSV.

Mileage Expense Log is only available for iOS on iTunes and includes support for Apple Watch.

Lisa McGreevy is a former staff writer at The Penny Hoarder. 

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The four-Day Work Week – Is Now The Right Time?

The four-day work week and the calls for this new way of working to become a reality in the world of work have been gaining momentum for some time.

Around the world, organisations large and small have been conducting inquiries into how practical, beneficial and profitable a shift to working four-days a week could be. With the results serving to demonstrate that working four-days instead of five is not such an extraordinary meaning at all.

The latest organisation to publicly announce a move to trialing the potential benefits of working four-days is not actually an organisation at all. Rather, it’s the country of Spain whose government has committed EUR5 0m to a national pilot set to reduce the time spent making, with the overall objective of this pilot being to effectively reduce to a four-day week as standard.

Spain set to pilot four-day week as have responded to coronavirus pandemic

Under these plans, which have in part been organized as a means of responding to the aftermath of the Coronavirus Pandemic, financing of will be made available by the government to fellowships who abbreviate their working week to 32 hours, with no loss of pay. It’s anticipated that around 200 corporations and from 3,000 to 6,000 employees will be involved with the project that’s planned to run for three years.

Yet Spain is far from alone in its consideration of alternatives to the five day work week. Finland’s prime minister Sanna Marin, has noted previously that her country may also want to experiment with a four-day workweek.

And whilst four-day work weeks have not yet been made official in other European Countries, proletarians in Germany, the Netherlands, and across all of Scandinavia work far fewer hours than in the UK, whilst at the same time, being reported to have much higher levels of productivity.

Successful tribulations of four-day working still further

The evidence concluded from trials conducted so far suggest that a four-day work week is not only a good idea, but one that has significant benefits for both beings and the organisation at large.

Microsoft Japan for example, handled a visitation format that was experimented with in 2019. The so-called Work-Life Choice Challenge Summer caused the companies entire 2,300 -person workforce five Fridays off in a row without making a change to employee pay.

4 days #workweek at Microsoft: in August this year, a whole month, about 2300 works use less( 5 free friday) for the same salary … and more efficiently.

Results of this “Work-Life Choice Challenge Summer 2019 ” are:- Me…https :// t.co/ XHgy5DLgTr https :// t.co/ 9rRQVPVCZH

— Frederic Gonnet (@ FairFred) November 4, 2019

The project outcomes for Microsoft Japan were overwhelmingly positive, with reports of crews comprising most efficient meetings, happier workers overall and boosted productivity by a significant and superb 40 percentage.

Yet the positive results didn’t end there. Further outcomes included hires taking 25 percentage less time off during the trial, the use of electricity decreased by 23 percent in the position and employees reproduced 59 percentage fewer pages of newspaper during the trial too. Arising in ecological and economic advantages. Overall, 92 percent of hires reported their choose the shorter wreak week, proposing an uptick in work satisfaction too.

Microsoft Japan’s 4-day work week boosted productivity by 40 percent

And it’s not only large companionships who are exploring the advantages of adopting a four-day work week. It’s too those companies who, like countless impacted by having to do tough decisions as a result of the Coronavirus pandemic have also turned to the four-day work week as instruments to reward hires affected by the tough decisions that needed to be made as enforced shut downs and furlough manages ensued.

Publishing company Target, opted to move to a four-day work weekas a course to make a positive gesture to employee’s who in the first UK lockdown had received a 20 percentage cut in pay. The significance of lost contracts and shortened marketing spend, both of which were a direct result of the pandemic, insured Targets founder and owned David Cann seeking to balance ways to retain staff, despite the significant loss in receipt. Moving to the four-day work week was viewed by David as a lane to then reward employees who had remained loyal to the company despite the challenging circumstances.

The move wasn’t without its teething questions fully to begin with. However, the potential benefits, much like those seen at Microsoft Japan during the course of its experiment, outweighed any initial ratification niggles. Shorter powwows, increased operational efficiency and happier men were all worthwhile betters viewed as being worth maintaining. The ensuing aftermath was that the company retained a four-day work week, even when client contracts and wreak positions resumed to full force and pay was restored to their former full paces once again.

Championing the move to four-days

Understandably for organisations who are perhaps reluctant to represent the move from five days to four, for them, much such as those firms who were in the past reluctant to adopt flexible working or remote working, it could prove to be worthwhile evaluating the research findings on four-day work weeks, but also considering the ideas of those who are endorse and campaigning for a permanent four-day work week to become the norm’ for all organisations more broadly.

Aidan Harper, is one such campaigner, who as a researcher at the New Economics Foundation , actively campaigns and promotes the benefits of a four-day work week for all.

In his recent co-authored book, The Case for the four-day Work Week, which shares research and makes a compelling argument in the four-day work weeks favour. Details UK research conducted in 2019 which expected the question of whether UK works is confident that a shorter work week of four-days would improve their mental well-being. 70 percent of employees canvassed confirmed they thought it would. With a further 64 percentage of UK business canvassed suggesting that they would consider making the move to working for four-days merely.

‘We see immense benefits ‘: houses accept four-day week in Covid crisis

Echoing a similar feeling to that of Harper, is Andrew Barnes, founder of New Zealand financial services firm Perpetual Guardian and scribe of the four-day Work Week. Here he writes about how his decisions to allow his people to work fewer dates led to happier parties overall, had contributed to, as reported in Forbes, a more profitable company.

Moreover, British multinational consumer goods busines Unilever, who are headquartered in London, are in the throes of seeking to explore the possibilities of making this shift by conducting a live pilot of working four-days, selecting their New Zealand operation as the aviator experiment bed.

The trial itself began in december 2020 and is set to run for one year, with their 81 hires located in New Zealand, set to work really four-days, whilst being compensated for a full five. The visitation has been set off with the specific objectives of running contracted schedules, as opposed to there being longer shiftings over four-days. It is too proposed that following the 12 month test period, receives will be evaluated ahead of potentially wheeling a four-day working week out to over 150,000 works around the world.

And the considerations around originating the move to working a four-day week aren’t limited to European located countries and organisations. In the United District numerous studies and op ed’s exploring the fascinating speciman for moving away from driving five days a week are a regular existence.

A Study by the American Journal of Epidemiology, sought to understand the link between productivity and the number of hours worked. The studies obtains suggested that those who worked 55 hours per week played less well on some mental duties than those who worked 40 hours per week.

Furthermore it materializes there is some anecdotal evidence that a four-day work week may result in increased productivity. A affection resembled by Basecamp CEO, Jason Fried who in the New York Times wrote about how he allows his employees to work four-day, 32 hour weeks for half of its first year. Commenting that in their own views’ a compressed workweek, tends to lead to beings focusing on what’s important. And that by limiting time there is an encouragement of increased quality’.

Is it really all upside?

Yet, as with any new idea or proposed change to ways of working, there can be scepticism about the new coming. Compounded with there are still ingredients about the new nature of labor that aren’t as positive as everybody might hope.

There is the possibility that a four-day work week will only be available to those who work at the most progressive of organisations. Those that operate in professional service industries for example. Yet for those whose work is classified as unskilled or workers who are contracted for zero hours, the likelihood, given that those individuals need to work the hours to actually get paid, won’t be in a position to enjoy this option. Irrespective of the evident benefit to productivity and mental health.

GUIDELINES FOR AN OUTCOME-BASED TRIAL – RAISING PRODUCTIVITY AND ENGAGEMENTGuidelines for an outcome-based trouble- fostering productivity and commitment | Source: 4 Day Week Global

Furthermore, the Chartered Institute of Personnel and Development( CIPD) questioned some of the questions that a four-day work week could pose rather than solve. Such as a reduction in flexibility over the period of the four-days that are toiled. One company is assessing CIPD had introduced the four-day work week, but had also implemented a schedule involving place working hours, whilst too deterring non-work appointments to be taken during working hours.

This impending lack of opennes used as the trade off to enable a four-day work week for some organisations, could negatively impact those employees who rely on access to flexibility in their working week, to, for example, accommodate caring and childcare responsibilities.

The issue of workload and availability to clients is another consideration with the four-day work week. Research by Henley Business School in their’ for better four worse’ study, concluded that with business dates precipitating across different daylights internationally, the challenge for businesses and employers to decide which days become those succeeded could be a difficult one to reach.

Moreover the workload of employees could also prove questionable to squeeze into four-days rather than five. Resulting in quite the opposite effect of engaged employees knowing less stress. This is a consideration that for UK business owners, whose workers are reported to work longer hours than their European counterparts, could prove challenging to address.

Will a four-day working week ask employees to work more flexibly?

Analysis by the Trade Union, TUC pointed out that UK employees acted virtually two hours longer each week than those in the EU, at a rate of 42 hours a week. The culture of’ long working hours’ in the UK, is one that may not be easily rectified by simply moving to four work days a week. Where would the part tour? Would this aim more hires simply taking their work home with them to work out of hours? And would this have contributed to more troubles than it solves? These sincere and worthwhile studies for Human Source and business leaders alike, are just some of the concerns that could halt the immediate roll out of a four-day work week for all.

Yet analysis by Sage Australia, sought to prepare document of the differences in working hours and the link to productivity. An insightful patch of analysis, given that the average working hours in Australia are 32.7 hours per week, far behind those worked on average in the UK. Notably further still, is Luxembourg which according to the Organization for Economic Cooperation and Development( OECD ), cultivates precisely 29 hours on average per week, yet by oppose to Australia and indeed the UK, continues to lead in world higher-rankings on productivity.

Four Better or Four Worse? A White Paper from Henley Business SchoolFour Better or Four Worse? | Source: Henley Business School

This insight into links between productivity and work hours in an interesting one and again suggests that there is good reason to consider making changes to the number of hours worked and days worked to uplift workplace productivity.

Bringing it all together?

HR is changing and so too are the organisations that HR serves. Along with those deepens that are coming through promptly as a result of technology adoption, digital alteration and changeable needs from hires at the heart of organisations. Is this change to working four-days, simply the most recent that we can come to expect to become the norm’?

The research into changes being considered to be in the workplace and in the HR roles proposes this to be the case. Much like agile and remote based use, as two key examples of innovations of the methods of making that were pushed back on by many organisations and certainly some HR professionals in the past. Both of which have recently been seen widespread adoption, thanks in part to the Coronavirus pandemic. Therefore it’s conceivable that the four-day work week could also ensure widespread adoption.

Sage people who recently carried out a research survey of 500 senior HR and People captains, in medium sized organisations globally, uncovered a number of interesting insights and predicted vogues. Notably the research on the topic of flexible working and changes to how HR operates, found that 80 percent of HR presidents expect to adopt modern People process within the next two years.

Furthermore the study reflected on the ways the world of work continues to change at pace. However at the same time, the involvement and productivity or the workforces continues to be low. The report is an indication of those hires canvassed, who admitted that they were productive for only 30 hours a week, again spurring the due consideration of how HR and business leaders can best respond to this ongoing productivity challenge with a change to working hours.

More universally the move to uplift employee experience by HR, in light of this now being regarded as more central to retention and work pleasure than employee engagement alone. Hints that the tenets of a four-day work week, could go a long way to improving the experience of works at work overall.

The changing face of HR. HR and People leaders' report | Source: Sage PeopleThe converting face of HR. HR and People supervisors’ report | Source: Sage People

With 95% of HR and People crews canvassed in the Sage People research, previously offering flexible work, or anticipated to in the next two years. And 94% of respondents expecting further the changing nature of the HR sector over the upcoming three years. The data certainly suggests that the four-day working week,proposed as being a benefit to society, the economy, and the environment, could well be the latest transformation to be adopted in the ever changing world of work.


Sage HR

For companies where people are paramount to success, Sage HR cures organizations overcome the intricacies of managing their people, so they can focus on developing their business.

The post The four-Day Work Week- Is Now The Right Time ? performed first on Sage HR Blog | Easy to implement HR tips !.

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How to Get a Job with No Experience

Applying for jobs is hard work, especially if the positions you want don’t match your experience. Even if they are entry level jobs.

Fortunately, job postings don’t tell the whole story when it comes to landing a job that you know that you can do. The career path might not be totally clear, but you still want to jump on it.

There are a lot of ways to successfully apply for your dream job even if your resume doesn’t exactly match a job listing. And even if you are applying for a job with no experience no one is going to ding you for that, though you’ll need to go up-and-beyond to land the job. Or at least muster your confidence and sharpen your communication skills.

6 Tips for Landing the Job

We spoke to several career experts to bring you their top tips for job seekers struggling to find work with little-to-no experience and without being a college graduate. Here’s what they had to say.

1. Change How You Look at Postings

The first bit of advice we heard over and over was that job seekers should change the way they look at job postings no matter their work experience. Does this mean using different sites or methods of exploring job opportunities to get your foot in the door or even snag that assistant position?

Not exactly. According to career coach Kyle Elliott, it’s more of a change in mindset and attitude.

“Know that the job posting is a wish list,” says Elliot. “You do not have to have all of the qualifications listed in the job posting. Instead, focus on the experience, knowledge, and skills you do have that align with the job posting.”

In addition to highlighting the skills you have on your cover letter and resume, Elliot also suggests avoiding the time-old mistake he often sees as a career coach. You can still get a job with no experience but you don’t need to continually point out your lack of experience. After all, you are trying to get a job with no experience.

“Consider instead how you can strategically market your non-work experience on your resume. If you’ve started a side hustle, launched a business, or pursued relevant extracurricular activities, you may wish to include them in your career marketing collateral,” says Elliott.

2. Speak Their Language

While keeping things positive is important when it comes to job application success, you’ll also want to get in the habit of mirroring a company’s language on your application.

Are they looking for a team player with a good worth ethic? Talk about that employee of the month award or that you had zero sick days last year.

“Speak the language of your target company,” says Elliott. “Use the job posting as a recipe card to write your resume, LinkedIn profile, and other career documents.”

For example, he says, if you’re targeting a customer success role and previously worked in restaurant service, focus on how you successfully dealt with customers. Explain how you were routinely able to persuade customers to order an appetizer and A dessert to make more money for both you and the restaurant.

Practice translating the story of your previous job experience into something relatable your prospective employer can appreciate. This is even more impressive if you are going after an entry level job.

“While an experience or accomplishment may seem unrelated on the surface, nearly every story can be translated,” says Elliott about the effort to get a job.

3. Work Backwards to Show How You Fit

To expand on this last point, “working backwards” is a great strategy for writing a resume or application for a specific job, especially if it’s one you feel underqualified for. It’s important that you show the ways you will make up for this be it work ethic, education or attitude.

“Your role as a job seeker is to connect the dots between your experience and the target role,” says Elliott. “This makes the hiring manager’s job easier when they’re reviewing your job history.”

Be sure you’re capitalizing on experiences that match what your employer is looking for, but also remember to leave off anything that’s irrelevant. This will weaken your application and torpedo your chances for job interviews.

For example, if you spent a summer picking berries and this doesn’t have a strong tie to the job posting, this might be one of those things you cut. However, if you can show how you gained soft skills  — communication with colleagues and maybe customers  — then you make your experiences more relevant.

The same could be said for volunteer work which brings in no money but plenty of on-the-job education including problem solving skills, plus time management and team building experiences.

By selectively including experiences in your efforts to get a job, you’re not only flaunting your skills as a qualified employee, but also conveying your understanding of the role. Companies want to know they’re hiring someone who understands what they need, which is what you prove by using their posting as a blueprint for your application.

4. Highlight Motivation on Cover Letter

Another great way to get an employer siked about your application is by highlighting your motivation.

If you love the work a company is doing or their mission aligns with your values and goals, you should include this in your application.

“Convey a deeper understanding of the company and more particularly, the industry or sector it’s operating within to show your personal motivation to move into the industry,” suggests networking expert and author J. Kelly Hoey.

This is more than saying something generic about your interest, says Hoey.

“Tell the story of why you’re committed to entering the industry, as your ‘why’ reveals that you’re more than yet another applicant grasping for any job opening.”

5. Remember: Quality Over Quantity

The Internet makes it easy to get caught in the race of applying to as many jobs as you possibly can. You can copy-and-paste a slightly tweaked cover letter and resume dozens of times for dozens of postings in the span of an hour.

But somewhere in the rush, you may find the quality of your applications start to slide, or even that you’re inadvertently applying to jobs you really don’t want. This also hinders success on No. 2. How can you tailor your application when you’re in a hurry?

This is where it helps to keep a simple “quality over quantity” mantra in mind. “Focus on quality over quantity when applying to roles,” says Elliott. “Rather than applying to all of the open roles at a company, select a few key roles that you are well qualified for.”

Not only will being selective help you come off as a more serious candidate to employers, but it will also ensure you’re able to bring your A-game to every application.

6. Grow Your Network

The time spent searching for your next job might feel long and unproductive. But keep this in mind as you hunt for jobs and wait for the job offers to roll in: As you apply for jobs and get job interviews, you are growing a professional network. Recruiters, Hiring managers, and prospective co-workers that you talk with about the jobs are now a part of your network.

“Have patience and make it part of your job application routine to stay in contact with every person who helps you along the way,” says Hoey. “By doing so, you’ll have mentors to turn to when you land the job, plus you’ll stay top of mind with those closest to the job market you’re seeking to enter.”

You never know when new opportunities will present themselves. Go the extra mile to have positive interactions with everyone you encounter on your job search.

Contributor Larissa Runkle specializes in finance, real estate and lifestyle topics. She is a regular contributor to The Penny Hoarder.  

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

I have lost interest in everything.

As I be a little more into spirituality. I have lost interest in almost everything.

I do not obsess about information things anymore as I was just about to do it before.

I lost interest in sex, girls, is speaking to others much, own family members, watching tv, passion, hobbies almost everything.

I merely don’t like to do anything.

Its sometimes that I am ever “ve been thinking about” money as if I never have enough. My father has always been so money centric and I am ever thinking about it. I am not sure if I am mentally fucked up.

Everything I wanted to do 5 years from now, I don’t feel like doing anything now( PS: My father action me on certain things and things didn’t go as I wanted them to go)

I like to spend time with myself now.

I am not sure if I am mentally fcked up.

submitted by / u/ xxxpandoraxxx [ tie ] [ observes ]

Read more: reddit.com

Examining the Farming Crisis in India

Farming Crisis in India Being an agricultural country from the start, India grades second worldwide in farm outputs. With agriculture filling more than 50% of India’s workforce, it also is the largest source of livelihood in India with more than 70% of its rural households depending primarily on farming. Despite the incredible importance of farmers to the Indian economy and way of life, farmers in India have a history of debts, extreme poverty and low quality of life. In addition to these existing questions, the world pandemic has significantly intensified the pressure on farmers and has moved it considerably more difficult for many to sustain themselves, resulting in a farming crisis in India. According to the National Crime Records Bureau, 296, 438 beings in the agriculture sector in India have committed suicide from 1995 to 2019. Prognosis have determined that this amount will increase.

Farmer Pays and Loans

According to an NSSO report from 2016, the average Indian farmer pays about Rs 77,112 annually, which is about $ 1,045. As the Economic Times in India stated, only about 50% or less of the household income of a cultivate pedigree comes from farming, while the rest comes from other sources. To complement for low income, countless farmers take up more than one occupation, sometimes toiling as a bus move or security guard for example. With the pandemic and national lockdown, many farmers have lost their second source of income, further aggravate their once damaged financial situation.

The rising costs of farming and the low-pitched pay for farm produce have pushed countless farmers into a round of immoral debts. The New York Times published an clause describing the life of Leela Singh, a farmer in Akanwali village. Mr. Singh attempted to secure a lend of a few thousand rupees which is about $100, due to fears that his farm would be seized. Unable to sustain himself and his attempt to secure a loan flunking, he hung himself in June 2020. Gurpreet Singh, his 24 -year-old son, had to stop his schooling in order to save money on tuition fees so that he could help his family. Gurpreet Singh described the pandemic and the enormous stress that his family must endure when he said: “We are now having to beg for fund from someone or the other.”

The Reason Farmers are in Debt

According to the Economic Times in India, 85% of India’s farmers operate on less than five acres of land. With 82% of farmers being tiny and negligible and contributing 51% of agricultural input, small farmers are the backbone of the agriculture industry. Despite this, raising remains an precarious and difficult profession. In order for countless small farmers to escape the controls of privation, they must find additional sources of income.

Risks in creation to aggravate the low quality of life for small farmers. The increased cost of cultivation, inadequate irrigation, drought, submerge and pasture failure all contribute to the lack of viability in the farming profession and debt of farmers. Additionally, hurdle in selling within the market can become or divulge the income of a farmer. Agricultural costs and precarious incomes have caused many farmers to take on even more debt. Furthermore, money-lending due to necessity and often the inability to pay back lends, have propagandized farmers further into privation and pay. The nationally lockdown has only exasperated these existing difficulties, which has resulted in difficulty in making cause to the markets and selling it.

Answer to the Farming Crisis in India

Despite the potential for productivity in the agricultural sector, low productivity in agriculture contributes to the difficulty and poverty among farmers in India. Unutilized scientific knowledge and the mechanization of small-minded farms are major solutions to the issue of low productivity. Harmonizing to the World Bank, a key solution for increasing agricultural productivity and improving the earnings of farmers is the adoption of inventive technologies and practises by farmers. These actions will facilitate farmers in improving their produces, finagling inputs more effectively, having a better quality of commodities, adjust to environment issues and conserving resources.

The Open Knowledge Repository states that efforts to improve agricultural productivity include the gradual reforms in the agricultural sector that have stimulus invention and changes in the food sector due to private speculation. These endeavours been a success and continue to succeed in light of the ongoing programme and asset responsibilities. Due to these efforts, agricultural rise has improved in recent years, but with a long-term rate of 3% improvement, agricultural betterment has been skimpy in comparison to its potential.

Organizations that are Making a Difference

The World Bank offers major support to the agriculture and rural development of India. Focusing on agriculture, riches, irrigation and rural support evolution, the World Bank’s program in India has committed about $5.5 billion in net commitments. This fund is going towards new technology, innovation plans, farmer support help and poverty reduction efforts.

Many NGOs have emerged in recent years in order to improve the livelihood of farmers and to prepare raising a viable profession. One organisation, Haritika, works on projects that target water harvesting and control, crop optimizations, afforestation and the conservation of resources. Additionally, it focuses on improving child education, promoting women’s empowerment, abbreviating ignorance, responding to a lack of health care and assisting farmers struggling with extreme poverty. It furnishes farmers with grains, saplings, pesticides and other supplies in order to alleviate the financial strain of farmers and ensure that they are able to support their families. Founded in 1994, Haritika has erected water harvesting structures, built gutters around mounds to treat non-arable areas and improved and diversified agriculture in order to create additional employment in the farm spheres. To support those in poverty, it has aided in the formation and to promote village water supply and sanitation.

The farm crisis in India has resulted in challenges for many families in the country. However, the efforts of organizations like Haritika and the World Bank should increase some of these new challenges farmers in India are facing.

– Arya Baladevigan Photo: Flickr

The post Examining the Farming Crisis in India saw first on The Borgen Project.

Read more: borgenproject.org

Holidays and Demand Generators

If you’re looking to drive hotel expect, we show you obstruct a calendar helpful. Many hoteliers are starting to successfully use smaller holidays and incidents to drive reserves, as Kristina Haga shares in Revinate’s email marketing certification course. Kristina is a elderly friendlines market expert at Revinate and she works with hoteliers every day to help them drive bookings through email marketing.

In lesson three of such courses, she shares some enormous real-life industry examples of holiday safaruss that you can leverage to drive involvement. We “ve known you” likely already have New Years and Mothers Day submerge, so in this lesson she focuses on Black Friday, Fathers Day, Leap Day, National Chocolate Cake Day and other less-celebrated events.

Let’s take a look at a test Black Friday email. Black Friday used to be used exclusively by retail labels but lately hoteliers around the world are getting in on the action. Why should retail have all the recreation? This year’s Black Friday is sure to be a big one as countless customers ought to have hunkered down and not spending as much money as usual due to shelter-in-place the laws and storage closures.

We love this Yotel email campaign because it’s short, sugared, exclusive and on firebrand. The CTA makes it clear that this offer is only good for a short period. Urgency is a great way to drive reserves and that’s what Black Friday is all about.

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It exclusively would come every four years but Leap Year is a fun promotional the possibilities for hoteliers. Mark your campaign calendar for 2024 and leveraging the creative work of the Thompson Hotel, which provides for clients 29% off for 29 hours for anyone that records before May 29 th.

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This campaign is a great example of having fun with an happening and finding a way to add some urgency to the offer. While most people don’t often celebrate Leap Year, it’s a great marketing vehicle and reason to reach out. Other illustrations are Pie Day, the first Day of Summer and May 4th.( May the fourth be with you .)

So grab a calendar and find local and national episodes that you want to celebrate with patrons. Create a campaign calendar so you can see how the advertisements are spread out over the year. To make it less intimidating, Kristina indicates regulating special topics, subject cable and messaging in advance, so it’s not overwhelming when the festivity approaches.

For more gratuities, best practices and campaign lessons, deplete 10 instants by reviewing her lesson in Revinate’s email certification course.

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Dear Penny: Am I a Jerk if I Include My Credit Score on Tinder?

Dear Penny,

I’m a newly single 41-year-old guy who recently set up a Tinder account. I work from home and most of my friends are married. I’d still like to meet someone organically, but a dating app seems more realistic for me right now.

I’ve worked hard to get an 829 credit score. I’m a homeowner with a good career. In the past year, I’ve paid off all my debt other than my mortgage. I’m an average-looking guy looking to stand out. I’ve seen a few women post their credit scores and I’ve heard that high credit makes you more attractive in dating. But it seems kind of tacky to me.

I’ve asked a few female friends whether I should include my credit score on my profile, but they’re split. What do you think, Penny? Will this make me sound like a jerk?

-Creditworthy Catch

Dear Catch,

I can’t say whether you’re boyfriend material based on your letter. But your 829 credit score is certainly swoon-worthy considering that just 21% of consumers have a credit score of 800 or higher.

Still, think back to when you got your mortgage. Your lender probably considered a bunch of factors beyond your credit score before approving you. Dating really isn’t any different. Proving that you’re a catch to the right person will require more than just a credit score.

I don’t honestly think the words “829 credit score” are going to make or break your dating life. You’re writing your Tinder bio, not tattooing your credit score on your forehead. If you find that your profile isn’t working for you, you can easily change it.

Reasonable people can disagree on whether including your credit score in your dating profile is obnoxious. I think some people find it off-putting whenever someone quantifies their accomplishments too much on a dating profile. Saying you eat healthy and work out daily is fine. But unless you’re seeking to meet a competitive bodybuilder, posting your bodyfat percentage would probably be seen as arrogant.

That said, posting credit scores on dating profiles seems to be getting more common, at least according to my very unscientific poll of about a half-dozen friends who are also on the apps.

So I don’t think you’d reach a level of cringeworthiness that’s going to have women screenshotting your profile in horror.

Think of your dating profile as a tool you’re using to market yourself to other singles. Who is your target audience? What message are you aiming for? Does including your credit score help you deliver that message?

If your message is that you care a great deal about credit scores and you’re seeking another member of the 800-plus club, by all means include your credit score. Meet for drinks. Talk about who got the lowest refi rate as you watch the sunset.

If you’re trying to tell Tinder that you’re a rich guy, go ahead and include your credit score too. But if that’s your messaging, don’t complain about how superficial dating is. Expect that some people will be less interested in you than they are in your wallet.

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Dear Penny Circle Form

I think your goals are a little more nuanced, though. As you said, you’re an average-looking guy who wants to stand out. It sounds like you’re also looking for someone who, like you, has their life together.

And it sounds like you have plenty of qualities that other people would find attractive. You’re successful, but you’re also self-aware. You get that including this information may make some people uncomfortable. More importantly, it makes you uncomfortable. So if it makes you self-conscious, why include it?

I don’t think the advice you need from me is about love and money. It’s about writing. Here are the words my first editor drilled into me: Show, don’t tell.

By that I mean, show the world you’re financially solid without telling them your credit score and salary. Say what you do for a living and why you love it. Drop it in there that you own your home and that you’re mostly debt-free if you wish.

You’re probably not looking for someone to compare weekly credit-monitoring reports with. So make sure to mention something you’re excited about, like traveling or pursuing a hobby, that you can hopefully do with the right person.

Should you choose to include your credit score, make sure it’s just a small detail. Keep in mind that statistically speaking, more than 4 out of 5 people swiping on your profile won’t be in your league, credit-wise. Plenty of people are in great financial shape, yet haven’t hit that 800 mark.

Others have less-than-perfect credit because they’ve encountered tough times, or because they’re human beings who have made mistakes. That doesn’t mean they’re not dating material.

Ultimately, I think a little humblebragging will probably go further than boasting outright about your credit score. Modesty can be an attractive trait, even on dating apps.

Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder. Send your tricky money questions to [email protected].

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Bitcoin rebounds 15% to top $38,000 after vicious weekend rout

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Bitcoin mobilized as much as 15% to trade above $38,000 on Monday. The comeback comes on the heels of an 18% bitcoin sell-off on Sunday as global cryptocurrencies faced risk-off sentiment. At weekend lows, the crypto busines “ve lost” roughly$ 1 trillion in market cover since May 12. Sign up now for our daily newsletter, 10 Things Before the Opening Bell.

Bitcoin rebounded as much as 15% on Monday to trade around $38,683 per copper after a nasty sell-off over the weekend. The cryptocurrency slipped 18% to $33,674 at intraday lows on Sunday.

The crypto space has faced a hard few weeks of risk-off sentiment causing the total industry market cap to fall over the weekend to $1.57 trillion from record highs of $2.56 trillion on May 12, according to data from CoinMarketCap.com.

Mark Cuban called the sell-off the “Great Unwind” in a tweet on Sunday, suggesting crypto traders were forced to unwind their leveraged business amid coming tolls in the space.

“Traders acquire to buy Eth, use eth to borrow alt/ stable silver, squandered that to LP a high APY Pair, made the SLPs and ventured them to maxout crop. The instant Eth descends to their Tragic Number, they had to Unwind. Unstake, Remove Liqudity, Repay, ” Cuban wrote.

Some bitcoin professionals conclude the recent downturn may be over, nonetheless. Pankaj Balani, the CEO of Delta Exchange, a crypto derivatives exchange, told Insider that he reputes “most of the leverage is out of the system now and bitcoin should start to form a basi here.”

On the other hand, Paul Krugman, a noted economist and Nobel Laureate, published an op-ed titled “Technobabble, Libertarian Derp and Bitcoin” last week where he likened the crypto manium to “a natural Ponzi scheme.”

Krugman was roundly mocked by the crypto community for his comments, with bitcoiners noted the economist had previously said the fax machine was going to have as much impact on the economy as the internet.

“By 2005 or so, it will become clear that the Internet’s impact on their own economies has been no higher than the fax machine’s, ” Krugman wrote in a 1998 Red Herring article.

In other bearish bulletin, JP Morgan advisers said during a note to clients on Monday that it was “too early to call the end of the recent bitcoin downtrend.”

The JPMorgan team said there is “a significant risk of further de-risking given continued deteriorate in our lookback point impetu signal and given the absence of buying in either the bitcoin fund space or the adjusted bitcoin futures space.”

Despite the coming expenditure of crypto assets, over the weekend bitcoiners celebrated Bitcoin Pizza Day.

The holiday pays homage to Laszlo Hanyecz, who paid off two pizzas exerting 10,000 bitcoins in the first-ever transaction using the currency 11 years ago.

At the time the 10,000 bitcoins were worth roughly $41 , now they are worth more than $ 3.8 billion.

Read more: ‘Wolf of All Street’ crypto trader Scott Melker breaks down his programme for making money using’ HODLing’ and 100 X trade opportunities – and shares 5 under-the-radar clues he conceives could explode

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