Saving Money in This Economy For Your Family on Your Food Bill

With ten percent of the population out of work and most of the rest trying to scrape by it is important to save as much money as we can for our families. This is not to say we have to live a life of minimalism, we just have to start watching what we buy, when we buy it, and to rely on ourselves more for the things our family needs.

In a family a large portion of the budget is consumed by food. You can save a lot of money for your family by watching how you do grocery shopping, where you eat, and brown bagging your lunch. When going to the grocery store always have a list prepared ahead of time. Try to stick to that grocery list as much as possible and not to buy any food on impulse. Do not go to the grocery store when you are hungry. You will end up buying more food than you need for the week. If you have children try to leave them home when doing the weekly shopping, they have a tendency to throw extra things in the cart that is hard to say no to. This is not to say you should not buy snacks for your kids, it is just easier without them to be the one who regulates what kind of snacks they will be.

Use coupons where you can and if your grocery store has a discount card program use it. Buy generic products. Most of the time generic products are just as good as the name brand ones. Buy things that you will use in bulk if you will use all of it before the food expires. Try to keep the grocery shopping to once a week instead of going every other day. This will save on gas and you will end up buying less. Make your own coffee at home and bring it with you in a travel cup or mug. Coffee costs around $ 1.75 at the conveinence store, you can make it at home the way you like it for under 50 cents.

With both the husband and wife having to work in families to make ends meet it gets hectic. Try to cook dinners at home to save money. I love it when my wife cooks dinner, I also love cooking for her and our family. This will not only save you money in your food bill by not having to go out to eat so much, it will also give you some good family time around the dinner table.

These are some great tips to save your family on your food bill in this tough economy. These ideas should not hamper your lifestyle too much and at the end of the work week you may have extra money in your pocket.

Software Development Life Cycle – Introduction Model Stages and Advantages

What is the Software Development Life Cycle (SDLC)?

SDLC or Software Development Life Cycle is essentially the process or phases of a model or methodology, which software engineers and developers follow in developing an application or software. In simpler words, it is a process consisting of a series of planned activities for planning, creating, testing, deploying and maintenance of software.

SDLC is often referred as software development process, as it consists of all tasks, which needs to be followed while developing an application or software. SDLC is followed within IT development companies to develop, alter, replace or enhance the performance of the software. ISO/IEC 12207 is an international standard for SDLC, which ensures high quality of the newly developed software. It also helps IT development companies in improving the overall quality of their software development services.

What are the major SDLC Models, followed in the IT Industry?

There are various SDLS models, which are currently followed in the IT Industry. Often referred as ‘Software Development Process Models’, all the process models follow unique software development steps, ensuring 100% success of the development projects.

The major software development life cycle models are-

  • Waterfall Model
  • Iterative Model
  • Spiral Model
  • V-Model
  • Big Bang Model

Other related models are Rapid Application Development (RAD), Prototype and Agile Models.

The advantages of choosing an appropriate Software Development Life Cycle (SDLC)-

  • Increased Product Quality
  • Increased Development Speed
  • Improved Client Relations
  • Improved Tracking & Control
  • Decreased Project Risks
  • Decreased Project Management Overhead

What are the different stages of SDLC?

Stage 1:

Planning and Requirement Analysis

This is the most important stage in the SDLC. This stage needs input from the customers, sales team, industry experts, a marketing team and their survey reports. After which, senior business managers and developers of a software development company plan the project approach and the development model.

Stage 2:

Designing

After the analysis of requirements and finalizing the Design Document Specification (DDS), the product architecture is designed by an expert team. This architecture has to stand upon various parameters such as budget, time, product robustness, risk assessment and design modularity, after which it is considered for the development.

Stage 3:

Development

The actual development of the software or application starts at this stage. The team of engineers and developers follow the coding guidelines set by the organization and use different tools for code generation. The programming code is generated as per the details documented in the DDS. The developers use different high level programming languages as per the requirement.

Stage 4:

Testing

In this stage, the final product goes through a pre-defined road of testing, where defects or bugs in the product are reported and then fixed by the developers. This stage ensures that the final product meets the highest quality standards, which are accepted worldwide.

Stage 5:

Deployment

At this stage, the final product is deployed at the client base. At times, the software is integrated with the client’s current application and database. All the deployment and integration works are done under the guidance of expert software engineers and developers.

Stage 6:

Maintenance & Support

Most of the reputed IT development companies also provide complete maintenance and technical support, post deployment of the final product at client base.

What Every Man Should Know About Online Fashion Shopping

Online fashion shopping is growing in popularity because of its ease and convenience. The greatest thing about it is you do not have to leave the comfort of your home. You can browse through selections and purchase items just by clicking on buttons. In some cases, online retailers carry more items than actual outlets. These are just a few reasons why more consumers are shifting to this alternative.

You will find many retailers offering different kinds of clothes. Although this is the case, not all provide consumers with quality goods. Be aware of this while you shop for items to add to your collection. Here are a few tips to keep in mind before you shop. Look for these the next time you shop for mens clothing online.

Fresh looks and extensive collections

Do your shopping with retailers offering the latest trends. The world of fashion is constantly changing and only a few can keep up. Keep yourself updated about what’s in style and what’s not, and apply this knowledge when shopping. Buy from retailers featuring the latest seasonal collections to ensure your wardrobe is up to date.

The complete look – pants, shirts, and the right accessories

Do not waste your time on places selling only tops or the opposite. This will make it difficult for you to mix and match pieces. Online shops offering the whole package make it easier for you to determine which pieces go well with which. It is best to go with those offering you a one-stop shopping trip.

Reasonable prices

Men’s clothing may be more expensive than women’s most of the time, but this does not mean you should buy the first thing you find. Make sure you get value for your money. You can spend a little more on a clothing staple such as a classic shirt. You can use this for many occasions, and getting a product that will last a long time is worth the extra bucks. Look for bargains if you want to buy statement and signature pieces.

Expect to spend a little more for things like suits. This is the most elegant piece you will have in your wardrobe and it is important you select carefully. Quality is important. It should have the right cut and colour, and be made of the right fabric as well.

Style recommendations

The truth is that only a select few men know how to dress themselves – and dress well, at that. One handy tool to look out for is style suggestions. This is where they feature a particular look on a model and list down the items completing the ensemble. For pieces not parts of a ‘complete look,’ seek ideas and suggestions of what to buy it with. This tool will come in handy for those who have difficulty mixing and matching different items. Professional stylists put these looks together and buying the total package will ensure you look your best.

Detailed sizing charts

The biggest downside of online fashion shopping is not being able to try on the clothes before purchasing. Detailed sizing charts are the solution to this problem. This important tool will help you figure out which fits suit your body type. It will make shopping for mens clothing online a more pleasant and fulfilling experience.

All You Need To Know About FOB

FOB is an important term related to the shipping of goods. It stands for “freight on board” or “free on board” indicating the designation when the ownership or liability of goods gets transferred from the seller to the buyer. The term FOB is often confusing for many in the shipping industry. However, it is crucial that both sellers and buyers must understand the proper FOB definition and scope so that they do not end up in losing dollars. This term determines the responsibility of the party for bearing the charges of freight and also decides the point of time when the shipment is passed over from the sellers to the buyers.

For instance, in case of international shipping, FOB indicates that the consignor is going to bear the loading cost and the transportation cost for sending the goods to the port. The consignee bears expenses related to insurance, ocean freight, unloading and the transportation cost of the goods from the port to the actual destination. The seller in this situation passes over the risk of the goods to the buyer when there is the loading of goods at the port for shipment.

Difference Between Origin And Destination:

FOB origin indicates that the ownership of the goods is transferred as soon as in gets out of the hands of the seller. If shipping of the goods is required then it is the buyer’s responsibility and he or she has to bear the expenses. This type of transaction is often referred to the city name like FOB Boston, FOB San Francisco, etc.

FOB destination, on the other hand, indicates that ownership of goods is transferred to the buyer when the original products reach the doorstep of the buyer. Here, the seller has to arrange for the transportation of the goods for which either he pays or charges the buyer for the expenses. The seller also has to be liable in case the goods suffer any damage while en route.

FOB comes more into the picture when there are wholesale or B2B shipments of large goods.

Use Of FOB In The Shipping Documents:

There are four ways in which the FOB term is included in the documents for shipping:

  • FOB (place of origin)- Freight Collect
  • FOB (place of origin)- Freight Prepaid
  • FOB (place of destination)- Freight Collect
  • FOB (place of destination)- Freight Prepaid

It is important that the shippers understand the FOB designations well especially in case of damages to the goods. Some of the receiving docks totally deny the delivery of the damaged goods without accepting the damage notation. However, when a shipment is designated properly, it is clear that the damage risk has to be borne by the seller or the buyer. In such cases, there is no question of confusion. Moreover, the Incoterm 2010 has also amended the definition of FOB which has made the sale contracts simpler and understandable by all.

Why Does FOB Matter?

The term is particularly important for those companies who are engaged in shipping huge quantities of goods. A clear concept of the FOB term helps in understanding the liability of the party regarding the safety in the delivery of the shipment. It also helps the buyer and the seller in knowing which party owns the materials at a particular point of the shipping cycle. This information is also helpful for the accountants who can maintain instant records of the transactions on the basis of FOB. Moreover, the term is also useful in proper logistics management.

Sales Tax And FOB:

If you are falling in the nexus of any state which charges selling taxes on shipment, then FOB can be your friend. For the packages which have FOB origin marked on them, the buyer pays the freight charges directly by contracting with a shipper. Thus, the seller has no role here. The buyer does not have to bear sales taxes as he has already paid the freight charges which most of the states consider exempted.

When people find the term quite complex to understand and interpret, they often take the help of professionals who are expert in the field. This ensures that you comply with the terms without any faults and the shipments get managed quite fast. FOB incoterms is another interesting aspect which the shipping industry must pay attention to and know about in details.