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  • The Top 3 Applicant Tracking Systems

    The Top 3 Applicant Tracking Systems

    An applicant tracking system (ATS) is a software application that enables the electronic handling of recruitment needs. An ATS can be implemented or accessed online on an enterprise or small business level, depending on the needs of the company and there is also free and open source ATS software available. 

    When you apply for a job online, your resume isn’t typically going directly to a recruiter or hiring manager. It’s first being processed by an ATS. Whether that human recruiter ever sees your resume could depend on how well your resume is optimized for ATS algorithms.

    Why employers use applicant tracking systems

    Top employers hire for several jobs at a time and receive hundreds of resumes for any given opening. Because applying for a job online is easier than ever, many of these applicants are unqualified and figured “it was worth a try.”

    Applicant tracking systems keep all these resumes in one place, helping recruiters and hiring managers stay organized as well as EEOC compliant. In theory, these systems also save time by automatically surfacing and highlighting top candidates. In reality, ATS do help hiring professionals narrow their applicant pool, but top candidates slip through the cracks.

    Most large corporations utilize applicant tracking systems. Jobscan research found that 98% of Fortune 500 companies use ATS while a Kelly OCG survey estimated 66% of large companies and 35% of small organizations rely on recruitment software. If you’re applying to a large organization, chances are you’ll face an ATS. If you’re applying through any online form, you’re applying through an ATS. Even job sites like Indeed and LinkedIn have their own built in ATS.

    Viewing Applications

    Some recruiters still choose to glance at every job application that comes through their applicant tracking system. In this case, most take a quick glance at the applicant’s past highlights, job titles, and companies. They can make a determination about whether they want to learn more in about 6 seconds. It’s important to make sure your top skills and qualifications are easily identifiable.

    Automatic Rankings

    Some applicant tracking systems can automatically compare your resume to the job description. For example, Taleo calls this feature “Req Rank,” which ranks each applicant based on how well their resume scores based on the job description. A common way recruiters filter resumes in an applicant tracking system is by searching for key skills and titles. For example, if a recruiter is hiring for an Administrative Assistant position out of 400 resumes, their first step will probably be a search for “Administrative Assistant.” This will isolate candidates that have done the exact job before. Anyone that doesn’t have that exact term in their resume is out of luck. A search can contain multiple terms. For example, they might perform a complex search that contains a combination of titles and skills important for the job:

    Administrative Assistant AND data entry AND payroll …

    Candidates who can predict the correct resume keywords will have the greatest chance of being included in recruiter search results. The best way figure out which skills and keywords to include is by analyzing the job description. Jobs can automates this process by analyzing your resume against the job description to show the top skills and keywords missing from your resume.

    Our Top 3
    #3. Homebase

    Homebase makes hourly work easier for the whole team. With free online tools and mobile apps for managers and employees, Homebase eliminates the paperwork and headaches of scheduling, payroll, hiring and team communication. Start saving 4+ hours every week by visiting joinhomebase.com. Used by over 100,000 businesses of all sizes across the US.

    #2. BambooHR

    BambooHR offers easy, integrated applicant tracking (ATS) as part of our award-winning cloud-based HR platform. Onboarding tools, e-signatures, time-off tracking, performance management, plus easy reporting and a convenient mobile app set you free to do great work. Released from the data management spiral, HR professionals become more effective, more efficient, and more human. Visit bamboohr.com or give us a call to see a demo and start a free trial.

    #1. Breezy HR

    The most highly rated ATS on Capterra, Breezy streamlines your entire hiring process; giving you more time to connect with candidates by automating tasks like advertising on 40+ job boards, screening, interview scheduling & follow-ups. We include all the tools your team needs to hire more efficiently, from referrals & sourcing tools for LinkedIn and dozens of others to custom scorecards & interview guides. With Breezy, you’ll be making better, hiring decisions in less time. It’s GDPR compliant.

    If you own a business and found this article helpful, you might like our article about the top cloud services of 2018.


  • Solve Your Work From Home Issues With Cloud Computing

    Solve Your Work From Home Issues With Cloud Computing

    Has 2020 shaken your companies thoughts on work from home?

    Your employees like it and their productivity is high. Offering work from home as a staple of your company opens up your ability to recruit anywhere in the world and save a ton on monthly office spaces… but, you’re really not sure that you can effectively manage their work and keep it secure.

    This is where cloud computing, along with mobile technology, provides your customers’ employees the ability to work from any location that has internet access, via a virtual desktop or remote infrastructure.

    Cloud computing provides flexibility

    Cloud technology is what enables employees to work from any location, giving them access via a virtual environment to the same information that they’d have access to from the office. Collaboration and communication tools ensure that your customers’ employees can use the latest techniques and complete work at the same level as they would be able to from their office desktop.

    Employees can access documents and data that they need by using specific credentials to maintain security at the same time as giving them flexibility to work from home or any other location. This can be useful when your customers have multiple office locations, such as if they have a primary central office and smaller remote offices from additional locations. Cloud technology provides a greater level of flexibility and shared access to information centrally accessible via a single server.

    Increasing security for remote working

    Despite concerns your customers might have about security, cloud computing can actually work towards increasing their overall security levels as a business. Security measures can be put in place, such as user-specific passwords and encryption of files when there are attempts to open these by unauthorized users. Additional security measures can be implemented in the event of mobile devices or laptops being lost or stolen to prevent a security breach, so your customers need not worry about cloud computing compromising high levels of security in favour of remote working capabilities.

    Scalability for growing businesses – in the office and remotely

    Cloud computing also enables your customers to accommodate a large increase in a remote workforce very quickly, since employees can use their own mobile devices and laptops without incurring additional hardware costs. They can also access internal information via the cloud wherever they choose to work, and on any device. As long as each user is provided with access details, new employees can easily be granted access to all of the information that they will need, without them ever having to visit the office at all. This is ideal when there is restricted physical office space to scale up, and there is no restriction on the number of remote workers.

    Cloud computing and the future

    Cloud computing can offer a greater level of flexibility, security and scalability to your clients by enabling remote working. Find a specialist


  • Best Hearing Aids

    Best Hearing Aids

    When you can’t hear, it’s miserable.

    Don’t let that loss dictate your life and lifestyle! Try out some of the top hearing aids and see how new technology can help you get back into the conversation!

    The 3 Best Brands
    Accolades Best Overall Best Design Best Connectivity
    Bluetooth Yes Yes Yes
    Phone Compatibility Yes Yes Yes
    Low Profile Yes Yes Yes

     

    An Overview of Hearing Loss

     

    Hearing loss due to aging is a common condition that impacts many older adults. Almost 1 in 2 adults over age 65 experience some degree of hearing loss. Age-related hearing loss is also known as presbycusis.
    Hearing loss can affect anyone at any age and the statistics according to the National Institute on Deafness and Other Communication Disorders are astonishing. On top of that, the average delay between the time someone is affected by hearing loss and when they finally seek treatment is a long 7 years. Lucky for you, you have come to the right place to learn about hearing loss. Let’s look at the 7 Signs of Hearing Loss.

    Two Types of Hearing Loss
    There are two types of hearing loss, The first one is Sensorineural. Sensorineural hearing loss is the most common type of hearing loss. It is permanent and caused either by damage to tiny hair-like cells in the inner ear or to the auditory nerve. The auditory nerve carries important information about the loudness, pitch, and meaning of sounds to the brain.

    The second is Conductive hearing loss.  Conductive hearing loss is caused by a mechanical problem in the outer or middle ear or an obstruction in the ear canal such as ear wax that blocks sound from getting to the eardrum. It can be permanent but more often, it is temporary and can be medically treated. Mixed hearing loss results when there are components of both sensorineural and conductive hearing loss present.

    7 Signs of Hearing Loss

    1. Words Begin to Drop from Conversations
    Increasing difficulty with understanding other people, especially in noisy environments such as crowded shopping malls or loud parties, may reveal a declining ability to distinguish speech from noise. It’s common for people to respond to this problem by asking for speakers to repeat themselves, to speak more loudly, or to slow down. Television and radio speech may also seem to fade into unintelligible gibberish. Conversations in general seem to lose their color and vibrancy.

    2. Becomes Increasingly Difficult to Have ‘Normal’ Social Situations
    Without quite realizing why, a person suffering from creeping hearing loss may increasingly retreat from social situations. They somehow seem too difficult, often leading to awkward moments when a critical point is missed, or a joke is misheard. It begins to seem as if plunging into even a crowd of longtime friends or close business associates results in nothing but inexplicable, growing social isolation.

    3. People Sound Like They Are Mumbling
    Other people may seem to slowly acquire a bad habit of failing to clearly enunciate their words. Consonants disappear into the mist as vowels rudely strut to the fore. This perception often indicates a loss of the ability to clearly hear higher-frequency or softer sounds such as sibilants. Similarly, snakes lose their hisses, clock alarms ditch their high-pitched beeps, and machine clicks such as those from automobile turn signals seemingly disappear.

    4.Tinnitus (Random Non-Existant Noises)
    Unexplained sounds such as buzzing, ringing, or clicking in one or both of your ears could very well indicate a significant medical problem that requires professional attention. Long-term exposure to loud sounds such as unmuffled gunshots, blaring rock-music concerts, and clanging industrial machinery can produce persistent, sometimes permanent tinnitus.

    Sinus and ear infections, hormonal changes in women, and common reactions to many medications can result in temporary or persistent tinnitus.

    5. It Becomes Increasingly More Difficult To Hear Children and Womens’ Voices
    Females and children generally have higher, softer voices than adult males, which means communication with children and grandchildren may be one of the first victims of encroaching hearing loss. For a devoted parent or grandparent, this can be devastating. A spouse may begin to drift away from a significant other because ordinary conversations have become oddly difficult. A similar problem may arise with failing to understand strongly accented voices as their tonal edges seem to gradually disappear.

    6. Turning Up The Volume On All Devices
    Routine annoyance with strangely soft audio levels from televisions, smartphones, and other audio devices may instead constitute a barely noticed symptom of gradual hearing loss. A growing habit of cranking up the sound to unusually high levels often signifies that it’s time to seek professional testing for hearing problems.

    7. Loss of Richness in Sounds
    Regardless of their volume or nature, sounds from all sources seem to grow muffled and flat. Birdsong becomes simpler and less nuanced, and human voices seem to abandon their ordinary tonal ranges. Long-loved musical performances and songs grow dull and uninteresting. Even ordinary noises like hammering from construction projects and the roar of motor vehicles seem to devolve into dull cartoon versions of their former selves. Such an evolution from complexity into lifeless simplicity is oddly easy to overlook if it happens slowly enough.

    The Final Thought
    While hearing loss be for 55 is rare, the ratio is 1:2 in those older then 55. Hearing aids can be rather expensive, but may be covered by your part B Medicare plan. Original Medicare and most Medicare Supplement (or Medigap) Plans don’t cover hearing aids, routine hearing exams, or fittings for hearing aids. This means that without other insurance, you could pay 100% of the cost for routine hearing exams, fittings, and hearing aids.

    Medicare Part B does, however, cover diagnostic hearing tests that your doctor orders for a medical need like a recent hearing loss due to illness or injury. If your doctor orders a diagnostic hearing test. You would pay 20% of the amount approved by Medicare, plus the Medicare Part B deductible.

    Visiting an audiologist is usually the first response to possible hearing loss. If necessary, an otolaryngologist — an ear, nose, and throat specialist — can conduct a thorough examination to uncover underlying medical issues. Treatment might include simple removal of excessive earwax, antibiotics for a sinus infection, or even small, unobtrusive hearing aids that can reclaim much of your lost sound. Only your medical professional can provide comprehensive information on possible causes and treatments.


  • What’s the Best Website Builder for 2020?

    What’s the Best Website Builder for 2020?

    When it comes to making websites, it’s much easier today than it was 20 years ago. If you’re looking to make a great website, look no further than these excellent resources. Below are our picks for the best web creation tools for 2020!

    The Best Website Builder tools for 2020

    Wix

    Wix is a cloud-based site building platform that is quite popular. It offers a lot of templates and tons of customization options. Their site builder is a drag-and-drop style, meaning it’s incredibly straightforward and easy-to-use. If you’re brand new to web design, it’s a great launching point. Their free version has limited bandwidth and storage, but you can use it to see if you like the style. If so, you can upgrade to premium and get to building more content for your site! The downsides are there, though: it’s unwieldy to move from Wix to another platform. That said, it’s still a good choice.

    Shopify

    A great resource for building online storefronts, Shopify is a fully-hosted site builder. All the data and backups are hosted on their servers. They’re a little on the pricey side, but they offer a great service. You can even integrate your Shopify page into WordPress! They also use a drag and drop style, meaning building your site is very straightforward. If you’re looking to open an online storefront, this is your way to do it.

    Weebly

    Weebly is another fully-hosted site, which is a pro and a con. While your data is backed up and safe, you also can’t change the site functionality. Their site builder is quick and intuitive, though, so you’ve got nothing to worry about there. They also have e-commerce integration, but they charge a 3% transaction fee. All said, they’re a good choice, but not the most popular.

    Squarespace

    Thanks in large part to aggressive advertising via YouTubers, Squarespace is a well-known name on the internet. The web-building tools are top-notch, and it’s easily one of the best out there. You don’t sacrifice a good-looking website for how easy it is to build with the platform. Many swear by the platform’s tools, and it’s rapidly gaining ground as a favorite of web-builders. The only downsides are the limited third-party integration. For instance, they only accept transactions through Apple Pay, PayPal or Stripe, so your options are limited.

    WordPress

    One of the most popular web platforms, WordPress is a fantastic resource. In fact, the site you’re currently on is powered by WordPress! It’s a relatively inexpensive service, but it has a bit of a learning curve. That said, it’s a flexible and robust tool to create any kind of site you would like to make. If you want to exert maximum control, this is a great tool for you! Consider WordPress if a small learning curve doesn’t deter you from making whatever site you have in mind.


  • What’s the Best SUV for 2020?

    What’s the Best SUV for 2020?

    If you’re in the market for a new car and wondering which SUV is right for you and your family, look no further! Today we’re breaking down some of the best SUVs on the market today and what makes each special. Important aspects, like price and average gas mileage, are high on our list of priorities. We’re also looking for SUVs with great comfort that offer a ton of bang for your buck. Let’s talk about some practical, comfortable vehicles.

    Honda Passport

    When you hear the word Honda, the first thing that comes to mind is usually “reliable.” The Honda Passport is no exception: reliable, comfortable and affordable, Honda’s midsize SUV is well worth your attention. The Passport starts at $31,990 for the base trim, though you’ll likely opt for the higher trim levels for even more cabin amenities, a stronger engine and a more robust safety suite.

    The vehicle gets an average of 20 MPG in the city and 25 on the highway, making it pretty standard among SUVs of its size. Even the base trim offers a pretty solid engine, ponying up 280 horses, making this vehicle fun as well as practical. The interior has a lot of cargo space, and seating for five. Thankfully, all five people get ample leg room and tons of soft-touch materials, making the cabin a peaceful and quiet space for long car rides.

    Toyota Highlander

    Another respected name in the automotive industry, Toyota’s Highlander is another solid midsize SUV you should consider. The cabin is one of the best in the class, offering up a ton of interior comfort for much less than higher-end competitors. Soft, sleek leather seats and a very upscale infotainment system make this SUV feel like it should be $20,000 more expensive. Thankfully, it starts at only $37,170 for the base trim.

    We highly recommend the hybrid version of the Highlander, as it offers a fantastic 30 MPG in the city, though this also means it gets only 28 on the highway. That said, this hybrid still packs a ton of power, bringing 306 horsepower to bear. It’s not exactly light or agile, though, so expect to take turns a little wide. However, this remains a great option for families, offering great cargo space, tons of legroom and a quiet, comfortable ride. Not to mention its stellar suite of safety features and great safety ratings!

    Kia Telluride

    The Korean carmaker has long been considered a leader in SUVs, and the Telluride’s 2020 model is here to continue that tradition. The Telluride is aptly named: riding in this vehicle is downright peaceful. The cabin is quiet and meditative, perfect for getting you through hectic morning commutes or back and forth dropping kids off at school. The suspension is incredibly smooth, the cabin is stylish and likable, and the engine is sufficiently powerful.

    Also making the vehicle appealing to families is the safety software suite. Emergency braking, lane-keeping assist, backup cams and more all make the Telluride a modern and easy-to-drive vehicle. Starting at $31,690, it’s also quite affordable for being a new (and luxurious) midsize SUV! As for the cost to own, it sports an average of 20 MPG in the city and 25 MPG on the highway.


  • What are the Best Mattresses in 2020?

    What are the Best Mattresses in 2020?

    If you’ve been looking to find a good new mattress, this is the article for you. Today we answer the question: what are the best mattresses in 2020?

    Hybrids

    Constructed from a combination of latex, memory, polyurethane foams, coils, and / or other materials, these mattresses usually are designed to maximize certain benefits, while also minimizing certain cons. For example, a latex + memory foam hybrid is able to deliver great bounce, cooling, and responsiveness via the latex, but also provide great pressure relief and support from the memory foam.

    Best for: Sleepers who want the best of all worlds. Great bounce, support, comfort, and cooling. A good all around option that is a very good choice for the majority of sleepers.

    Memory Foam
    Just like it sounds, these mattresses only consist of memory foam. Memory foam mattresses are known for their great support, pressure relief, and body contouring. Historically, memory foam has had a bad reputation as “sleeping hot”. However, many newer more advanced memory foams have been designed with superior cooling properties, creating a much cooler mattress than traditional memory foams.

    Best For: Sleepers who want great hug, body shaping, contour, pressure relief, and support. There is a wide spectrum of foams classified as “memory foam” and not all memory foams are created equal. A good option for sleepers who want a more pronounced hug than many hybrid or latex mattresses offer.

    Coils
    One of the most popular and widely used mattress types. Coil (aka innerspring) mattresses have one or more layers of spring coils (generally steel) that provide the support and comfort. As technology advances, the number, types, and layers of coils change. A larger number of coils typically means better comfort and support.

    Best For: Sleepers who want a more traditional coil / spring feel, great bounce, cooling, and strong edge support.

    Pillow-top

    Falling into an array of categories (coil, latex, memory, hybrid, etc.), pillow-top mattresses have a layer of soft material either stuffed or sewn into the cover. This works to add extra comfort and cushion for the sleeper.

    Best For: Sleepers who prefer a softer and more cushion comfort. If you enjoy a cloud-like type of support and comfort most pillow tops will offer the best sleeping surface for you.

    Contenders for Best Mattress

    #3. Purple
    Purple mattresses are luxurious and excellent. If you’re a fan of memory foam-style mattresses, you’ll love purple. The Purple Mattress has Smart Comfort Grid technology that keeps pressure on your body to a minimum. This ensures you awake comfortable and well-rested! If you find you often awake with painful pressure points from your mattress, this is for you. This mattress retails for $999, but you can often find it on sale for less. Purple’s website often has sales, as does Amazon!

    Also, a plus for Purple is their return policy. If you don’t love the mattress, you can send it back within 100 days for a full refund. These mattresses are made in the US, and they’re also covered by a ten-year warranty.

    #2. Sleep Number
    Sleep Number is well-known for their unique, adjustable design. If you’re not familiar with them, it works like this: each bed has a controller that allows you to choose a number. That number, your Sleep Number, represents how soft or firm you prefer your bed to be. The best part is, Sleep Number also offers beds that can be adjusted on both sides. That means if you prefer firm and your partner prefers soft, you can get the best of both worlds!

    You can also adjust the angle of the bed, allowing you to choose your preferred sleeping posture. You can even adjust the bed enough to watch TV or read while in bed! These mattresses are in the under-$1000 range, usually coming in between $700 and $900.

    #1. Saatva
    Saatva mattresses are made from all-natural, organic cotton. They also offer mattresses for $999 and offer a great set-up bonus. The cost of a mattress includes free delivery, setup and removal of your old mattress. Talk about full-service! Saatva mattresses are made in the US and Canada, meaning you know you’ll get quality construction.


  • Coronavirus Or Not – People Are Still Buying Cars at INSANELY Great Deals!

    Coronavirus Or Not – People Are Still Buying Cars at INSANELY Great Deals!

    Our lives have been deeply impacted and overwhelmed by COVID-19, also known as the Coronavirus. Restaurants, bars, movie theaters, and thousands of other businesses have been affected. So, what is going on with car dealerships and what are the best car deals?

    2020 Audi A4

    Audi virtual cockpit

    For 2020, Audi focused on improving everything about its infotainment system. They’ve ditched the 8.3-inch display from the previous system in favor of a new 10.1-inch display that’s perched on top of the dashboard. The infotainment system provides you with acoustic feedback on all its functions. They’ve completely ditched the rotary knob in place of the customizable Audi virtual cockpit. The virtual cockpit offers you the ability to customize the display to focus on your most urgent need. It’s laid out in a way that’s meant to be intuitive, useful and a pleasure to operate.

    Pre sense®

    Audi’s goal is to raise the bar on the driver’s experience – and awareness. The A4 is equipped with pre sense® to protect the vehicle in unusual or emergency movements as an effort to increase the drivers’ awareness and help prevent accidents. It will help to detect other cars or pedestrians while automatically initiating the emergency breaks at up to 52 mph!

    Easy on the eyes

    Sporting high-quality leather upholstery, the A4 comfortably seats up to five people. In addition to comfort and support, the seats are ventilated and heated in both the front and rear, setting this 5-star vehicle up for success during any time of the year!

    2020 BMW X3

    Technology meets performance

    BMW is known for using ultra high-quality materials in their vehicles. For the 2020 model X3, BMW decided to wrap the X3 cabin seats in Vernasca leather, trim the cabin with high-grade aluminum and offer a variety of other customizable options.

    BMW has also decided to upgrade the navigation system to better integrate with the mechanical components of the M3. The onboard computer can optimize the motor’s performance and fuel consumption based on the route set in the navigation system. It does this by doing things like switching to all-electric mode when the car enters a low-speed school zone or expending the battery on a long uphill climb in anticipation of a long downhill stretch to recharge the battery.

    Prioritizing safety

    BMW has elevated its console to the next level of safety. With the 2020 model, they’ve introduced multiple options to increase safety by keeping the driver’s attention on the road. For example, they’ve rolled out gesture controls to operate some of the most common functions of your entertainment system. You can change the volume of your music, answer calls and set a range of other touch-free functions. They also feature a heads-up display that discreetly projects itself on your windshield. This feature allows you to get from point A to point B without having to take your eyes off the road.

    2020 Volvo XC90

    Upgraded base options

    This year Volvo designers decided to embrace a stately 12.3-inch touch screen in place of a physical gauge cluster. They’ve also added a new interior option for those who don’t prefer traditional leather seats. They call this option tailored wool. The material has an upscale look and feel. It has a quality comparable to the Kvadrat textile offered inside certain Land Rover models.

    Smart steering wheel

    For the 2020 model, Volvo introduced a range of new safety features centered around the steering wheel. They’ve integrated haptic feedback to their suite of electronic safety systems like pilot assist adaptive cruise control, lane-departure warning and blind-spot monitoring.


  • Coronavirus Pandemic: How to Reduce Your Car Insurance Rates for 2021

    Coronavirus Pandemic: How to Reduce Your Car Insurance Rates for 2021

    Let’s be honest: Coronavirus or not, you’re required to have car insurance. Just because you have to have it doesn’t mean it has to stink, though. You deserve only the best car insurance, from only the best car insurance companies during this pandemic. Today we’re taking a look at some of the best car insurance companies for the money in 2021.

    We’re looking at a combination of factors when deciding on the best: customer service, customer satisfaction, price and a good shopping experience. There are tons of car insurance companies all vying for your dollar, so the one you go with needs to have only the top marks in order to be worthy of your hard-earned cash. Let’s get into it.

    Amica Insurance

    Amica isn’t the biggest names in terms of recognition, but they are a juggernaut in the field of customer satisfaction. Amica consistently scores huge marks from their customers in terms of satisfaction: people with Amica feel taken care of, important, and well-covered. Try this one on for size: Amica has proportionally lower complaints from customers than any other agency in the country, even accounting for their small size.

    That’s not to mention their awesome free perks. Car insurance policyholders with Amica get all kinds of goodies like free lock and airbag replacement. You also get a complete reimbursement of your lost wages if you have to go into court at Amica’s request: they have you covered. If you lose your keys, or they get stolen, they’ll cover the cost of getting you replacements. Oh, and did we mention that in most states they won’t take depreciation out of your new car in the first year if you total it?

    Erie Insurance

    Another smaller company with a low profile and stellar customer reviews, Erie Insurance is beloved by their policyholders. The consistently get five-star satisfaction reviews, and they offer a ton of killer perks. The only problem, however, is that they operate in a small selection of states. Only Wisconsin, Ohio, Illinois, Indiana, Kentucky, New York, West Virginia, Maryland, Tennessee, North Carolina, Virginia and Pennsylvania are covered.

    If you do happen to be covered, however, Erie is well-worth considering. They offer a rate-lock so that you know your premiums won’t go up unless you add cars or drivers to your policy. After three years, you get accident forgiveness so that your first at-fault accident doesn’t carry a surcharge. They also offer goodies like a diminishing deductible and even pet injury coverage if your pet is hurt in a car accident.

    Nationwide

    Nationwide insurance is the only insurer on this list with a large national profile, and for good reason. Normally operating at the scale they do makes it difficult to keep customers satisfied, but they manage to be both massive and care about their policyholders. Ignoring their obnoxious televised commercials, Nationwide is a good company to have in your corner. They consistently score five-star customer satisfaction reviews, and they have a very low number of customer complaints year over year.

    The much-talked-about vanishing deductible is one of Nationwide’s staples, and it can really add up: after five years of safe driving, you’ll have $500 off your deductible. In some states, Nationwide offers accident forgiveness, which can be a lifesaver if you get into a little fender bender and don’t want your rates to go up. Likewise, their “On Your Side Review” offers you the yearly chance to go over your life and needs to make sure you’re getting the right coverage and all the discounts you need. In short, Nationwide treats their customers with care and tries to make sure they feel valuable and cared for.


  • The Secret Hack To Getting Your Taxes Done For FREE During Coronavirus!!

    The Secret Hack To Getting Your Taxes Done For FREE During Coronavirus!!

    It’s that time of year again. Tax time, the time when you know you need to get out and get your taxes prepared. Maybe you’re notorious for putting it off, since it can be pricey.

    However, there are a number of ways to get your taxes prepared for FREE during COVID-19! In fact, you can even get your taxes prepared online for completely free today! Here are some of the best sites to use for free tax preparation during this pandemic.

    Free Tax Preparation During COVID-19

    FreeTaxUSA

    FreeTaxUSA is a user-friendly and well-made site for tax preparation. The site is very straightforward, easily walking you through filing your taxes step-by-step. If you’re worried about your taxes being too complex to fill out online, don’t. This site offers you a very thorough helping hand in getting everything filed easily.

    While the federal return is totally free through this site, filing a state return through this site costs money. On average it costs about $12, so make sure you factor that in when you’re considering your tax filing. Keep in mind that it’s most likely that any tax prep site you use will require a small fee for filing a state return.

    H&R Block

    Many people are much more familiar with H&R Block due to their physical tax preparation locations. However, H&R Block also offers a free tax filing service through their website. While preparing online might not sound like the normal H&R Block, it’s actually a rather streamlined and easy-to-use site.

    Not all types of returns can be prepared on the site for free, however. As with most sites, state returns will still require a fee to be sent in from their site. Additionally, more complex tax returns could include a fee for filing.

    The upside to H&R Block is that if your taxes prove too complex to fill out online, you can go to one of their physical locations. Then, a tax-preparer can get you set up in-person! Keep in mind, however, that using in-person tax preparation won’t be free.

    TurboTax

    As their numerous commercials have proclaimed, TurboTax allows you to file your federal return for free. As you might expect, this doesn’t apply to state returns, which include a small fee. Much like FreeTaxUSA, TurboTax offers a great user interface for inputting all of your tax information.

    You won’t have to worry about forgetting something or getting lost. If you miss a box or need to input more info, the useful client will remind you. You can rest assured with TurboTax that your return will be accurate before you submit it!


  • The Top Ways to Live Your Best Life While Social Distancing

    The Top Ways to Live Your Best Life While Social Distancing

    During these challenging times many people have the time to pursue the things they were previously to busy for. That’s why we’ve put together a helpful list of ways to live your best life while practicing social distancing.

    Work from Anywhere in Your Home

    For those who are lucky enough to be able to work from home, having a comfortable and efficient work routine is key. So, if you’re going to be at home that means you’ll probably be moving from room to room catching up on the news, watching your favorite streaming series or escaping with a distracting game. Or maybe you just need something to keep you on top of work and don’t want to be tied to a desk.

    There are numerous 2-in-1 tablets out that can do it all. HP, Lenovo, HP and Microsoft all have tablet computers that can run the majority programs you need while allowing you the freedom to work from anywhere. Many retailers are currently offering uncommon discounts and free shipping to make up for the current closures of their retail stores.

    Social Distancing for Fitness

    Have you been putting off getting in shape? While you’re social distancing there are numerous ways you can take your health back into your hands. You definitely don’t need a gym to get back in shape.

    Workout machine manufacturers are trying extra hard to earn your business right now. That’s why many are offering free delivery on machines like treadmills, stationary bikes and rowing machines. If you aren’t going to the store to buy cardio equipment, they’ll do everything they can to bring cardio equipment to you. Dicks sporting goods is one of the largest “active lifestyle” big-box retailers in the US and they’re offering free shipping on all orders over $25.

    Social Distancing for Food

    Many people enjoy going to the grocery store. However, during these times of caution there are other simple solutions that will allow you to enjoy meals at home without making the trip. You can download a meal delivery app like Grubhub, Doordash or Uber Eats. Uber eats is even waving the delivery fee for most local restaurants you order from.

    If you’d prefer to make fresh meals on your own there are numerous national and regional weekly food delivery services. You can order specific meals online that come with a recipe and all the necessary ingredients to make a hearty meal. These are a great way to avoid having to wake up early and visit the grocery store for ingredients that are in high demand.