Diy 5 Steps To Make A Pallet Deck

5 steps to make a pallet deck! Is there a space in your house that is forgotten, unused, dull? Believe it! We have an amazing solution to give a new face and therefore a renew in that environment!

First, let’s explain what the famous Pallets are. The pallet was created in the second world war in order to optimize the transport of cargo. Years later, this wooden platform that undeniably made life easier for workers will now make yours easier! Let’s learn how to build decks using little money and to use pallets!

Where to buy pallets?

In order to make your life easier, start searching the internet. Nowadays, you can easily find pallets in large e-shops. Just type in google. Another option is physical stores specializing in wood.

How much does a pallet cost?

The cost of a new pallet of 30 for 30 usually costs R $ 8.00. Unless you resort to using used pallets, which is also a good option, the cost will be even lower!

  • Although it is easy to build decks using pallets, there are important factors to consider. First, observe the soil and see if there is any gap; if this is found, level it with concrete.
  • Now that you have measured and purchased all the necessary pallets, it is time to take them apart. Use a hammer and chisel but remember not to use too much force to avoid damaging the pallet.
  • That done, it’s time to assemble a new pallet. In order to make your decks safer, now you will nail the slats close together.
  • As a result, you now have a beautiful and safe structure, and the next step is to protect it from external factors like water and the sun! Even if your deck is indoors, it is likely that the wood will suffer natural wear, and to prevent this from happening, it is important to sand, pass the wood sealer, and then the varnish.
  • Once ready, now just take them to the location and join the side of the pallet by the side and thus forming the structure of your decks! Easy right? Surely your home will gain the special touch of wood and become even more incredible. Finally, just abuse your decor items!

Coronavirus: 9 Films On Finance To See When You’re Confined

We are living in a period which will probably become historic. The impact of the coronavirus has been underestimated and government measures too late.

To prevent the spread of the virus, we are now in quarantine, forced to stay at home .

A good opportunity to see and re-watch the classics of cinema !

Whether you want to expand your culture, have a good time at home with your loved ones, or motivate yourself to earn more money, these movies will have you covered.

Wall Street (1987)

Let’s start with the greatest classic of films on Finance and its excesses: Wall Street .

The legendary story of the 1980s, featuring the rivalry:

1. From a legendary investor and business shark, Gordon Gekek (Michael Douglas)
2. And a young broker full of ambition taking his first steps on Wall Street, Bud Fox (Charlie Sheen).

Young Fox will do everything possible to enter this illegal and highly lucrative universe.

He succeeded in making a fortune and climbing the ranks within Wall Street.

Bud Fox ends up making an important decision, however.

The Big Short: The Heist of the Century (2015)

This film is an adaptation of the book by Michael Lewis : The Heist of the Century, The Big Short.

The story takes place in 2005 on Wall Street , before the great financial crisis of 2008.

While governments, big banks and the media are optimistic when in the middle of finance and investment, four investors discover the real estate bubble .

They decide to take the opposite position in order to take advantage of the fall in the financial markets that they predict.

During the 2008 financial crisis, they then “wreck the century”.

The Wolf of Wall Street (2013)

Inspired by a real story set in the 1980s, the film tells the rise to fortune of Jordan Belfort (Leonardo DiCaprio), a young broker.

It highlights all the excesses of the world of finance : money, power, women, drugs and all the temptations that no authority has control.
Too much is never enough.

Trader (1999)

In the 90s, the film tells the story of a talented young broker who by his disproportionate ambition caused a financial disaster unprecedented in the history of the stock market.

The Social Network (2010)

The film tells the story of the creation of the legendary social network Facebook by Marc Zuckerberg (Jesse Eisenberg) from 2003.

We see the beginnings of Facebook within Harvard, the meeting with Sean Parker and the controversy with the Winklevoss twins.

Inside Job (2010)

Do you remember the 2008 global financial crisis?

The subprime crisis, the collapse of the real estate market, rising prices, inflation and spike in unemployment.

This documentary reveals the origins of this historic crisis .

Catch Me If You Can (2002)

This Steven Spielberg film is inspired by the life of Frank AbagnaleJunior .
In the 1960s, from the age of 16, Franck used forged checks to travel to 26 different countries.

In 5 years, he worked under 8 different identities and pretended to be a lawyer, a doctor or even an airline pilot.

He will have used forged checks for a total of 2.5 million bucks.

Glengarry (1992)

This film illustrates what a person is capable of doing to earn money .
4 real estate agents are put in competition by their boss.

They have to sell worthless land within 24 hours. Whoever sells it first will receive the first prize, a Cadillac, the second a set of steak knives and the third will be fired.

Enron: The Smartest Guys in the Room (2005)

This documentary chronicles one of the biggest business scandals in the United States: the fall of the Enron company in 2001.

 5 Sdvantages of American Express Cards

AMEX is indeed very successful in the United States where the company was founded. So what are the advantages of AMEX cards that have succeeded in winning over tens of millions of people around the world?

The American Express loyalty program

The American Express loyalty program is probably the most successful and the most advantageous loyalty program on the market.

You can accumulate your points ad infinitum to offer yourself the gifts of your choice:

Luxury and fashion
High Tech and Home
Travel and hospitality

Your points are valid for life as long as you have an American Express card. You can accumulate them without limit to get gifts.

Premium insurance and assistance included

American Express cards offer a wide range of insurance and assistance . The extent of the range depends on the cards.

Travel incident insurance after baggage delay
Travel cancellation and postponement insurance
Purchase protection guarantee
Medical assistance and medical costs in the event of an accident or sudden illness abroad
Rental vehicle guarantee
Snow and mountain assistance
Lost or stolen card

No predefined payment limit

Unlike traditional payment cards, AMEX cards do not have a predefined limit.

Your limits are set based on your monthly payments.

If you typically spend $ 800 with your card, your cap will be around that amount. On the contrary, if you are used to using your card for 4000 $ of purchase, your limit will adapt.

24/7 customer service

AMEX customer service is available at any time of the day in France and abroad to answer your questions.

If you have an American Express card, you can contact customer service 24/7 to:

Any questions about insurance
Online assistance to organize your trips and business trips
Loss or theft of your AMEX card. This will be replaced within 48 hours.

Free card for the first year

The Gold American Express card is free for the first year. In addition to this free, AMEX offers you 20,000 loyalty points with its subscription.

So you can test it for free for a year and see if this payment card is right for you without paying a penny.

Then the card will cost you $ 185 per year from the 2nd year.

The 10 Mistakes That Hurt Your Finances

Managing your finances in a sound way means peace of mind. It also allows you to carry out projects that are important to you while living normally, without depriving yourself and without going into excessive debt.

There are some good habits to take , but also some mistakes that can take a big toll on your finances.

Mistake # 1: living beyond your means

This is one of the most common mistakes made by those who have trouble making ends meet and who are forced to make credits in order to be able to finance their expenses.

Often these people don’t realize that they are living beyond their means.

They often think that their money problems are due to the high cost of living or rising prices.

Which is not the case.

There are people who only buy designer clothes or shoes when they have difficulty paying everyday charges like rent or bills.

To find out if you are making this mistake, all you need to do is analyze your financial situation :

1. By making a budget
2. By analyzing your expenses
3. By tracking your purchasing behaviors to detect those that are making you spend more money than you need to.

Mistake # 2: not keeping track of your finances

Most of those who have money problems don’t keep track of their spending.

They have the impression that it is a waste of time and that it is of no use anyway, when it is precisely the key to controlling your finances.

Especially if you’re having difficulty.

Tracking your finances will allow you to more easily analyze your expenses and effectively manage your budget by having a more accurate view of your money.

Mistake # 3: depending on credit

The credit is indeed a useful and practical way to finance large purchases such as your home or car.

However, if you contract credits too often, know that you will enter a downward spiral from which you will come out with difficulty.
This is the reason why you should resort to credit only in case of absolute need .

For other projects such as travel, work or purchase of equipment for home, prefer the savings and buy only when you can afford it.

Mistake # 4: don’t save

We forget to save . This is still a fairly common mistake. Because it is precisely savings that not only allow us:

• To deal with the unexpected
• But also to finance projects without needing to call on credit.

To fix this error, just start saving today !

Mistake 5: offers with payment in installments

These kinds of very tempting offers are attractive, but calling on them too often can only throw your budget off balance.

Even more if you do not follow it scrupulously every month so that you can plan the monthly payments and know exactly where you are.

If you accumulate offers of this kind, even if they are offered at zero rate, they will end up straining your budget and this can be the start of your financial problems .

Because, we must not forget that when you buy in several times, it is still a credit that you contract.

You are therefore living beyond your means, because if you had the means to pay for the property right away, you would not have used this kind of offer!

Mistake 6: giving in to impulse

It’s also one of the enemies of our finances : the impulse that makes us buy yet another pair of shoes when we don’t really need them.

The impulse also makes us give in to a special and tempting offer of a product that we will ultimately use very little, if not at all.

And it’s the impulse that drives us to fill our bags when we go to buy a coat and come home with a whole wardrobe!

Mistake # 7: giving in to an offer before analyzing it

We often forget to analyze the prices available, whether for:

• the credits
• The bank cards
• Bank changes
• Or the purchase of a household appliance or a computer

Giving in to an offer before comparing prices is a mistake that hurts our finances because we could save money if we spent a little time researching and comparing.

Mistake # 8: not analyzing our spending every year

It also harms our finances, because out of habit or by reflex we renew our insurance with the same institutions without even trying to see if we can get better elsewhere and for less.

Just as we will continue to do our shopping at the same supermarket, whereas if we analyzed a little, we would see that we could save a lot of money if we went to the supermarket next door.

Mistake # 9: owning a credit card without really needing it

As you probably know, a credit card is actually a bank card associated with revolving credit that is among the most expensive credits on the market .

By analyzing your needs, you may find that you could use a different type of credit , less expensive, to finance your occasional projects.

Not to say that having a credit card drives consumption .

This harms finances, especially if you have an ease to spend the money available on the card which is of course higher than what you actually hold.

Mistake # 10: forgetting to plan ahead

Planning ahead saves you money .

Planning ahead will go a long way in helping your finances.

1. Whether for your trips , where planning is essential to reduce your expenses
2. But also for the financing of your projects where planning makes it possible to replace credit with programmed savings

Just like forgetting to do this will hurt your budget balance.

Clean up your personal finances

If you avoid the mistakes that harm your finances and if in addition you adopt good reflexes such as saving, planning, analyzing, comparing, you will quickly see the good you will do for your personal finances .

Ideas For A Workspace At Home

Surely you have ever wondered how you should work from home. It is true that not all jobs can be carried out like this, although it is currently a normalized situation. Many people have a workspace at home , but it doesn’t go beyond a desk where some tasks are updated.

In this post we are going to discuss how a correct home workspace should be and what elements are essential in it. Before starting you have to be clear about the difference between working at home and working from home . We are going to focus on this second option, in which we need a specific space to be able to concentrate and carry out our work obligations normally and comfortably.

Large workspace

One of the main needs when building a workspace at home is to have a certain breadth . It is not necessary a large office, but a space in which we can enable a large desk . In this case we think of an area in which to work with a computer via online, although a home workspace may also be necessary for more artistic or manual aspects. In either case, amplitude is necessary.

In this way we will have a large work surface that allows us to carry out our tasks with ease. A well-oriented desk will be key to feeling that we are working from home and not occupying a space that does not correspond to what we are doing. Once we have this point ready, a work space at home must be complemented with other elements.

Organization and storage

Another very important aspect that must be fulfilled in a workspace at home is organization . Keeping our work area orderly will bring us great benefits and will make us more productive. For this, it is essential to have a good storage capacity, organizers or shelves. In short, elements that allow us to maintain order in our work space at home .

In addition to the drawers that our desk may have, it will be good to have all kinds of organizational elements, especially if we work with papers. Knowing where we have each element of our work will allow us to access it easily and save time on our tasks.

Work space at home

Here we have presented some ideas and tips for having a suitable, ready-to-use home workspace . In addition to the furniture elements, aesthetic aspects will also be important. The decoration or lighting of the space should also bring us comfort. We encourage you to build or improve your workspace at home.