Category Archives: Blog

The Best Toaster to Buy

So, what is the best toaster to buy? There are several toasters on the market, so the best choice is dependent upon your situation and personal taste. Here is some advice on how to buy the best toaster for you.

If you’re looking to bake food, like a loaf of bread, a traditional toaster is a great choice. These are convection ovens that also have a number of other functions from bagel and toast to baking, broiling, and heat air dry. Most come with a warming drawer, but if yours doesn’t, then get one that has one anyway.

There are several different models out there, so it’s important to know what you want to do with your toaster. There are also some very good toasters on the market that are more expensive than others. Some of these are toasters that are designed to do one thing well. For example, a convection oven will be able to turn an oven on or off, or just bake bread.

However, a convection oven isn’t a great option if you want to bake several things at once. There are several smaller toasters that will work, but not all of them are the same. The best toasters to buy are the ones that will bake a whole pan of food at once.

Tossing and turning is something that some toasters excel in and will allow you to have a lot more flexibility. You might even find that you prefer the toasting part of the oven as opposed to the heating part as most people think that the heating part of the toaster can cook more evenly than the toasting part.

Price is always an important consideration when you buy anything. The toasters with the best value are usually those that come with warranties. That way if they break, you can get it fixed without having to spend extra money to replace it. If the warranty is for more than a year, you may even qualify for a refund on it.

Tofasters come in all shapes and sizes and it’s up to you to choose which style will fit into your lifestyle. The compact toasters are a great choice if you have limited space in your kitchen. There are a few advantages of these toasters as well as they are a great deal for any budget.

If you only plan to use the toaster occasionally or only do short bursts of toasts, the toasters that are made of metal are probably the best to buy because they have a lot more longevity than plastic ones. They are also generally lighter so they’re more portable.

Another option when choosing the best toaster oven is to try out the ones that are microwave safe. These types of toasters are made so that you can bake multiple things at the same time with little effort. The only problem with them is that microwaves can heat the metal parts of the toaster too fast. You might have to keep turning the toaster off and on in order to properly cook things.

Electric toasters are generally easier to use than other toasters as well as the controls are very easy to use. Many electric toasters have the ability to automatically turn on when you turn the power on and off. that makes it easier to have your bread toasted evenly every single time.

If you like a lot of customization, then the toaster with a built in thermostat might be the best option for you. Most of these toasters are pre-set to precisely know the temperature that you want the toaster to maintain at. They can also be programmed to turn the oven on or off when you need it.

Once you have made the final decision about what type of toaster is the best to buy, you can go shopping. It’s always a good idea to shop around before buying. You can visit a few different stores to see what brands are on sale and see how they work. Most of the time you’ll find that the best prices can be found online.

How to Compare Car Insurance Rates

With many car insurance companies out there, finding the best car insurance can be an overwhelming task. Each one of them offers unique coverage, extras and discounts that can have a significant impact on your budget. Insurers claim to offer the lowest rates in town, while others offer the best service. Insurance company advertisements always boast great customer service and great savings, but without the evidence, you just want the proof. To assist you to locate the top car insurance providers nationwide, we’ve compiled data on key customer satisfaction and average pricing for big companies worldwide.

Every car insurance company wants to claim it’s the best car insurance company, because it’s in the hot seat as one of the biggest competitors in the auto industry. While some car insurance companies have higher claims rates and lower prices, there are some with stellar customer service and prices that will blow you away. Here are our findings from a week long investigation:

The biggest and most trusted provider – Most people have heard of Allstate, Farmers, Nationwide, GMAC/ GMAC (the parent company of GMC) and other recognizable auto insurers. But did you know that your local hometown discount broker is the best car insurance company nationwide? Brokers represent many of the best auto insurance companies and receive favorable treatment by most insurance carriers. They don’t get paid much, if at all, for their services, but they know where the customers are and how to get the best car insurance quotes and discounts.

Medical costs – Some car insurance plans require you to pay 100% of any medical costs that occur in a wreck, regardless of who is at fault. These policies will cost you much more than traditional policies because they completely disregard an accident’s ability to pay for expenses. If you are involved in an accident, no matter who is at fault, you should expect to be billed for medical costs and damage to your vehicle. If the accident isn’t your fault, you should never have to cover these expenses out of your own pocket. Instead, you should purchase a policy that includes an accident benefits rider that authorizes you to be financially responsible for all medical costs.

The right deductible – You should know that every state limits the amount that you must pay out of your own pocket before your insurer kicks in to foot the rest of the bill. Your deductible is the amount that you must pay first, before your insurance will begin paying the rest of the bill. Some states limit the amount at which you must pay your deductible, while others allow you to increase it as well as keeping costs down. Know the laws in your state and choose a policy that has the smallest deductible.

The best car insurance company – After an accident, the insurance company you have chosen is expected to send you a check for the price they paid for your medical bills and other damages. You need to know how much those costs are going to be before you sign the papers. Ask each company you work with how many months you are allotted for an accident claim before they begin making payments. Find out if your company has an accident benefit period of at least twelve months, since this is the amount of time you must wait before you can file a car insurance claim.

The cheapest car insurance company – When comparing rates, don’t just look at the lowest price. The cheapest might not be the best, especially if your insurer does not offer you a good rate. In fact, the cheapest car insurance company might not actually offer you any coverage at all. Instead, you should focus on choosing a highly rated insurer that has years of experience behind them, as well as a great track record.

Another factor in car insurance rates is whether or not you have a higher deductible. When you factor in the cost of another car in case of an accident, you could be saving money. If you raise your deductible, however, you will be paying more money in the long run. Before you decide to do this, read about the details of your auto policy to make sure that raising your deductible won’t decrease your overall rate. If you can save money overall, why not go for it?

Things I Learned This Year

One of my assignments for this week was to put together a blog post about all the things I’ve learned in the last year. It was surprisingly difficult to remember everything I did and learned over a full 12 months, which makes me think I should do this more often. I probably learn so many lessons every day, but I likely retain so little of it. It ended up being a fun project, though, and I wanted to share what I ended up putting together for my assignment with all of you. Maybe you will learn something from it too!

1. We make our own luck

There are some things where this isn’t true. For example, somebody randomly buying a lottery ticket and randomly hitting the jackpot. That was probably pure luck and that person didn’t really make their own luck.

Outside of that, however, almost everything is an expected value calculation. The more auditions an actor goes to and the more he trains to improve and the more he tries to meet industry veterans, the more likely he will be to get a “lucky” opportunity come his way.

I have had friends who complain that their friend was so “lucky” because she was referred into a job by somebody she had met at a networking party. He had gone to the same networking party and is still jobless. What he failed to mention, however, is that she had gone to dozens of networking parties with no results, but practicing how to meet people. Did she get “lucky” when she found the right person that gave her a big opportunity? Yes. But she also created that luck. My friend had gone to only 1 networking event. She had a 10x better chance of getting lucky than he did.

This happened to me earlier this year too. I recently got into writing poetry. I joined a club with a group of my friends and we all decided to share some poetry online and see if we could piggy back off of Rupi Kaur’s success. I mean if she could do it with pretty easy phrases, how hard could it be? No disrespect to Rupi though. I loved Milk and Honey. We all decided to post Instagram poetry. Out of our 3 person group, however, I was the only one who decided to go a bit further. I looked into the poetry community and found other amazing places to post as well like Commaful, Tumblr, and Medium. Of our group, I was the only one who posted on all 4 sites, cross-promoting between them. Interestingly enough, my work caught the eye of one of the influencers on a different site. From a shoutout by that influencer, my following on every site skyrocketed. I sure got lucky, but that luck came from going the extra mile.

2. Read the fine print and pay close attention to your finances

Personal finance should be taught within schools. I was lucky to be pretty good at math, but if it weren’t for that, I’d be in a world of trouble. I have an Aspire Student Loan and was not so good at factoring it into my budgeting. When I was told my yearly salary, I just divided it by 12 and subtracted rent. That was my spending money for the month. It didn’t take long for me to realize that I was totally wrong.

There are taxes at the whazoo. And then after taxes, I have to pay off my student loans. And boy….does it take a long time to pay those student loans back. And then after that, I’m supposed to save up for retirement? How the heck is that possible?

I decided to spend the weekend really digging into the terms of my loans and looking into the meaning of my credit scores and credit cards.

Turns out, I was losing out on a bunch of money long term by not paying out my student loans faster and not paying off my credit cards quickly.

My financial learnings could be literally this entire article, but to make a long story short, I have increased my loan payments and set aside some money for saving and investing, which I plan to do through Wealthfront or Robinhood.

3. Always have goals

For the last 3 years, I’ve just been getting through classes. Doing what showed up in front of me. If I got homework. I’d do the homework. I was reactive. This was the first year where I was proactive rather than reactive. I set goals for myself and created plans to reach them. I made a dream board and a Trello board to make clearly daily tasks to help me reach those goals.

The difference is huge. I am much happier and have made huge amounts of progress for my career and future. I have met incredible people and a lot of things I thought weren’t possible have become possible.