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What is Purchasing Department

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What is Purchasing Department
« เมื่อ: พฤษภาคม 16, 2021, 11:56:13 AM »
What is Purchasing Department
Purchasing Department: Characteristics, Functions

The purchasing department is the section of a company responsible for all activities for the business acquisition financing of raw materials, spare parts, services, etc., as required by the organization. It provides a service that is the backbone of many industrial, retail, and military organizations.

Ensures that supplies necessary to operate the business are ordered and kept in inventory. This department is at the center of successful supply chain management, and is responsible for minimizing the cost of ordered products, controlling inventory levels, and establishing strong relationships with suppliers.

A good purchasing department will demand quality from suppliers and will follow up on orders from the beginning to the reception. Help other departments identify needs, manage the requisition process, and obtain competitive prices. They usually act as controllers to ensure compliance with budgets.

Characteristics
Act as trusted advisers to senior management
The purchasing department is involved in corporate planning and budgeting at a high level. This makes it possible to design reverse engineering costs and explore potentially less expensive and / or higher quality alternatives.

Drive supplier innovation
More than just demanding the lowest price, the purchasing department works with suppliers to reduce the underlying cost of their products and services. They are intimately involved with "the life cycle of innovation", from initial idea to manufacturing and continuous improvement.
Provide insight into key vendor data
Companies can draw on this information to create predictive analytics, providing a deeper insight into markets.

Manage and mitigate supply chain risk
Economic crises have taught the value of being aware of the stability of suppliers. The purchasing department has a much clearer view of that area than any other part of the organization.

Promote agile staffing and talent development
It is necessary to cross functional and geographic boundaries to find the right candidates for the purchasing department.
In some cases, the answer is in outsourcing or using shared service organizations.

Features
Obtaining materials
For a manufacturing company this could include raw materials, but it could also include tools, machinery, or even the necessary office supplies for the sales team and secretaries.
In a retail business, the purchasing department must ensure that there are always enough products on the shelves or in warehouses to keep the store well stocked.

It is especially important to keep your inventory warehouse at a reasonable level. Overinvesting large amounts of money in inventory could lead to stock problems and a lack of capital for other types of expenses, such as research and development, or advertising.

Evaluate prices

A purchasing department is in charge of continuously evaluating whether you are receiving the materials at the best possible price, in order to maximize profitability.

You need to compare prices so that you can find the best suppliers with the most sensible prices for company-specific size orders.

The purchasing department can contact alternate vendors, negotiate better prices for higher volume orders, or inquire about the possibility of obtaining lower priced products from a variety of other sources.

Vendor pre-approval
The purchasing department evaluates suppliers in terms of price, quality, customer opinions and time to complete orders, producing a list of approved suppliers.

Track orders
Orders are documented with purchase order forms. These specify important information about the materials ordered, as well as the quantity ordered.

These forms are used to ensure that ordered products are received and to track the time it takes for orders to complete.

Office work
The purchasing department handles all the documentation related to the purchase and delivery of the materials.

This means working closely with your accounting department to ensure that there is enough money to purchase items, that cash flows smoothly, and that all payments are made on time.

Policy compliance
Before making a purchase, the purchasing department has to ensure that it complies with the formalities for the acquisition and approval of the budget, and it must ensure that the materials are purchased following the general policy of the organization.

Importance
Get lower costs
The purchasing department plays an important role in maximizing business profits. Compare prices and negotiate with suppliers so that the company obtains the best possible price on the necessary products.

You can also provide savings by taking advantage of guarantees and discounts that non-specialists generally forget.

It helps to save, providing better transparency in company spending. This will allow you to negotiate better contracts and free up cash flow.

Prevent insufficient materials

The purchasing department has to identify which products are critical to the business and take appropriate measures to protect its supply chain.

To ensure that insufficient materials do not affect productivity, the purchasing department uses techniques such as multiple sourcing.

Having multiple sources means using multiple vendors that offer the same products. If there is a problem with one supplier, orders can be increased to another to compensate for the failure.

Improve quality
The purchasing department helps improve quality by setting performance goals. Then it tracks actual performance against those goals.

It is critical to measure quality characteristics using indicators for attributes, such as durability, product appearance, or timeliness of delivery.

They work closely with suppliers to develop their processes and help them improve quality.

Manage relationships

The challenge for the purchasing department is to get the supplier interested in working with the company. Make the supplier invest in a long-term relationship.

The department also has to manage relationships within the company. You have to work with internal stakeholders, such as marketing, finance, logistics, and distribution, to ensure that they are all aligned.

Seek innovation
Because the purchasing department is always in contact with a variety of external businesses, it is in an ideal position to acquire innovative products that can provide a competitive advantage to the business in terms of price, quality or convenience.

see also finance and business knowledge

What Is Bookkeeping
What Are Taxes Payable
Armand Feigenbaum Biography
What Is Zero Base Budgeting
What Is Chart of Accounts


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Re: What is Purchasing Department
« ตอบกลับ #1 เมื่อ: พฤษภาคม 16, 2021, 11:56:44 AM »
Banking Explained Money and Credit
The international banking system is an enigma. There are more than 30.000 different banks world wide, and they hold unbelievable amounts of assets. The top 10 banks alone account for roughly 25 trillion US-Dollars. Today, banking can seem very complex, but originally, the idea was to make life simpler. 11th century Italy was the centre of European trading. Merchants from all over the continent met to trade their goods, but there was one problem: too many currencies in circulation.

In Pisa, merchants had to deal with seven different types of coins and had to exchange their money constantly. This exchange business, which commonly took place outdoors benches, is where we get the word "bank" from; from the word "banco", Italian for "bench". The dangers of travelling, counterfeit money and the difficulty of getting a loan got people thinking. It was time for a new business model: home brokers started to give credit to businessmen, while genevese merchants developed cashless payments.

Networks of banks spread all over Europe, handing out credit even to the church, or European kings. What about today ? In a nutshell, banks are in the risk management business. This is a simplified version of the way it works. People keep their money in banks and receive a small amout of interest. The bank takes this money, and lends it out at much higher interest rates. It's a calculated risk, because some of the lenders will default on their credit.

This process is essential for our economic system, because it provides ressources for people to buy things like houses, or for industries to expand their businesses and grow. So banks take funds that are unused by savers, and turn them into funds society can use to do stuff. Other sources of income for banks include accepting saving deposits, the credit card business, buying and selling currencies, custodian business and cash management services. The main problem with banks nowadays is, that a lot of them have abandoned their traditional role as providers of long-time financial products, in favour of short-time gains that carry much higher risks.

During the financial boom, most major banks adopted financial constructs that were barely comprehensable and did their own trading in habit to make fast money, and earn their executives and traders millions in bonuses. This was nothing short of gambling and damaged whole economies and societies. Like back in 2008, when banks like Leeman Brothers gave credit to basically anyone who wanted to buy a house, and thereby put the bank in an extremely dangerous risk position. This led to the collapse of the housing market in the US and parts of Europe, causing stock prices to plummet, which eventually led to a global banking crisis, and one of the largest financial crises in history.

Hundreds of billions of dollars just evaporated. Millions of people lost their jobs and lots of money. Most of the world's major banks had to pay billions in fines and bankers became some of the least trusted professionals. The US government and the European Union had to put together huge bailout packages to purchase bad assets and stop the banks from going bankrupt. New regulations were put into force to govern the banking business, compulsary bank emergency funds were enforced to absorb shocks in the event of another financial crisis. But other pieces of tough new legislation were successfully blocked by the banking lobby

Today, other models of providing financing are gaining ground fast. Like new investment banks, that charge a yearly fee and do not get commissions on sales, thus providing the motivation to act in the motivation in the best interests of their clients. or credit unions - cooperative initiatives that were established in the 19th century to circumvent credit sharks. In a nutshell, they provide the same financial services as banks, but focus on shared value rather than profit maximisation. The self proclaimed goal is to help members create opportunities like starting small businesses, expanding farms or building family homes while investing back into communities.

They are controlled by their members, who also elect the board of directors democratically. World wide, credit union systems vary significantly, ranging from a handfull of members to organisations with several billion US-Dollars and hundreds of thousands of members. The focus on benefits for their members impacts the risk credit unions are willing to take, which explains why credit unions, although also hurting, survived the last financial crisis way better than traditional banks. Not to forget the explosion of crowdfunding in recent years. Aside from making awesome video games possible, platforms arosed that enabled people to get loans from large groups of small investors, circumventing the bank as a middle man.

But it also works for industry - lots of new technology companies started out on kickstarter or indiegogo. The funding individual gets the satisfaction of being part of a bigger thing, and can invest in ideas they believe in. While spreading the risk so widely, that, if the project fails, the damage is limited. And last but not least, micro credits. Lots of very small loans, mostly handed out in developping countries that help people escape poverty. People who were previously unable to get access to the money they needed to start a business, because they weren't deemed worth the time.

Nowadays, the granting of micro-credits has evolved into a multi-billion dollar business. So, banking might not be up your street, but the banks' role of providing funds to people and businesses is crucial for our society and has to be done. Who will do it and how it will be done in the future is up for us to decide, though.



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Re: What is Purchasing Department
« ตอบกลับ #2 เมื่อ: พฤษภาคม 16, 2021, 11:57:32 AM »
FACTORS AFFECTING HOME LOAN RATES
Getting a home or mortgage loan is a very popular thing today. As many financial institutions organize campaigns to attract customers to easily have a home with low interest rates and special conditions for each financial institution. Which factors affecting the interest rate of the housing May be different With the main variable from uncontrollable economic conditions or factors affecting home loan rates.

MRR is the interest rate that financial institutions Used for judgment In service charge For credit fees and other services Of that financial institution This interest rate is the interest rate calculated from the cost. In the administration of financial institutions In general Interest rates of financial institutions will not differ much.

Personal credit of the loan applicant
A credit or personal credit profile is important because it is a measure of the qualifications of a loan applicant, including the amount and interest rate that financial institutions are ready to lend.

Different conditions in home loans
Home loan interest rates may vary according to the conditions of the loan.

Home loan financing: The higher the loan amount, the more negotiating power and the lower the interest rate of the loan as well.
Home Loan Periods: Loans with shorter durations will cost more than long term loans (such as higher interest rates). It may seem like a good plan to extend the time in Credit terms of the loan applicant And should also pay attention to the fact that generally the amount of interest paid is less than In conditions which have a short period of time
Home loan insurance: Almost every financial institution has a proposal to reduce interest in the event that the loan applicant agrees to take out home loan insurance along with the loan application of These insurance policies (such as mortgage insurance) are useful in helping to pay off outstanding loans when a death or permanent disability occurs.

The location of your home
Mortgage interest rates may vary according to the location of the real estate. Since some locations may pose a risk to financial institutions Areas that are currently undergoing development and appraisal of Increased real estate will have less risk to financial institutions Because when the real estate price increases Loan applicants that live in these locations will be considered "richer" and the chances of not repaying the debt are also lower.

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second mortgage ratescurrent home mortgage ratesfirst bank mortgagevehicle finance

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Re: What is Purchasing Department
« ตอบกลับ #3 เมื่อ: กรกฎาคม 16, 2021, 01:30:08 AM »
Top 10 leyendas urbanas
Desde Bloody Mary hasta 'la picadura de araña', los mitos urbanos han inspirado innumerables libros y películas espeluznantes: aquí James Dawson comparte sus 10 favoritos y explora sus raíces e influencia.

Historias de fantasmas sin fantasmas, las leyendas urbanas son cuentos de hadas modernos. Así como Caperucita Roja y Ricitos de Oro se difundieron por tradición oral, los mitos urbanos se difunden de boca en boca, creando un folclore contemporáneo, a menudo con un aguijón moral en la cola. Seamos realistas, una fiesta de pijamas no está completa sin al menos una historia de terror a la luz de las velas.

Al igual que el folclore tradicional, los mitos modernos se embellecen o alteran a medida que se vuelven a contar. La mayoría todavía se dicen oralmente sobre malvaviscos y chocolate caliente, pero algunos se registran. Muchos autores han rediseñado las leyendas urbanas como inspiración para novelas o películas.

Mi nueva novela, Say Her Name, es mi versión de la leyenda urbana más famosa de todas, la maldición "Bloody Mary".

Sin embargo, estoy lejos de estar solo. Aquí presento diez de las leyendas urbanas más aterradoras y examino sus raíces e influencia.

1. Bloody Mary
Quizás el mito moderno más famoso, este cuento sugiere que si te miras en el espejo y dices "Bloody Mary" un número específico de veces, algo sucederá. Es en lo que esa leyenda no está de acuerdo. En las primeras versiones, una mujer soltera vería el rostro de su futuro esposo en el espejo o una calavera si estuviera destinada a morir antes de casarse.

Esto se convirtió en algo más sangriento: grupos que invocaban un espíritu sangrante o una bruja llamada María. También se han establecido algunos vínculos con la reina María I, ya que sufrió múltiples abortos espontáneos durante su reinado.
La historia ha tenido una gran influencia. Los espejos y los reflejos, un elemento habitual en la literatura misteriosa, juegan papeles en The Forbidden de Clive Barker, que pasó a ser la película Candyman, mientras que Ringu, de Koji Suzuki, sustituye un espejo por un televisor. Expediente X y Sobrenatural abordaron directamente el mito de María en la pantalla.

Este año ve no una sino dos novelas que vuelven a contar versiones de la leyenda: mi propia Say Her Name y una versión estadounidense, The Summoning.

2. La picadura de la araña
Posiblemente uno de los mitos urbanos más "creídos", este cuenta la historia de un joven, a menudo un viajero a un lugar lejano, que es mordido por una araña y / o una hormiga. Al regresar a casa, la víctima experimenta una "eclosión" en la que las crías de arañas y / o hormigas parasitarias brotan de debajo de su piel. Para su información, esto no es físicamente posible, pero no ha impedido que la parasitología sea una característica definitoria del género de terror corporal desde Alien y Wrath of Kahn hasta Dreamcatcher de Stephen King y The Host de Stephenie Meyer.

3. El hookman
Otra fogata obligada, este cuento presenta a una pareja joven y amorosa que sale a dar una vuelta cuando la radio les informa que un lunático con las manos enganchadas se ha escapado de una institución local. O la pareja va a casa y encuentra un gancho incrustado en la parte trasera del auto o uno de ellos termina suspendido sobre el auto con los dedos raspando el techo.

En la versión original y novelizada de Sé lo que hicisteis el verano pasado de Lois Duncan, el asesino usa un arma, pero la versión cinematográfica de Kevin Williamson presenta a un pescador con manos de gancho empeñado en vengarse. El Candyman también tiene un gancho como mano.

4. Comida extraña
Recientemente, la gente de Internet indignada se dejó engañar por las afirmaciones de que el popular establecimiento de comida rápida KFC estaba criando pollos genéticamente mutados para sus hamburguesas. Si bien las "imágenes impactantes" se revelaron rápidamente como falsas, más de uno de mis amigos de Facebook fueron engañados.

Los alimentos a menudo son víctimas de los mitos urbanos: ¿las hamburguesas MacDonald's están realmente hechas de lombrices de tierra? ¿Mezclar caramelos y gaseosas te hará explotar? No olvide el rumor perenne de "comida para llevar de carne de perro".

La comida está en el centro de nuestras vidas, por lo que no es de extrañar que esté en el corazón de nuestra ficción. Los Juegos del Hambre presenta a niños dispuestos a matar por toda una vida de comida, mientras que Soylent Green (basada en la novela de 1966 Make Room, Make Room) va más allá y sugiere que pronto comeremos gente, como en The Savages de Matt Whyman.

5. La mano lamida
En este cuento popular, una niña asustada (oa veces una anciana) escucha un goteo siniestro que proviene del interior de su casa. La tranquiliza la presencia de su fiel perro que le lame la mano debajo de la cama. Finalmente, investiga el ruido solo para encontrar a su perro sacrificado y un mensaje escrito con sangre: "los humanos también pueden lamerse las manos".
En realidad, esta historia fue tomada de una historia mucho anterior de MR James llamada 'El diario del señor Poynter' en la que un personaje experimenta un destino similar.

6. El robo del riñón
En este cuento, un joven es seducido por una mujer hermosa o paga por una escolta. A la mañana siguiente, se despierta en una bañera llena de hielo y descubre que le han sacado uno de sus riñones para venderlo en el mercado negro. La moraleja no podría ser más clara, ¿verdad?

La sustracción de órganos es un elemento básico de la ficción de terror desde Never Let Me Go de Ishiguro hasta el excelente Unwind de Neal Shusterman.

7. Ubicación, ubicación, ubicación
Como alguien ansioso por subir a la escalera de la propiedad, no sé qué tan molesto estaría si verificara en qué se construyó mi casa, pero es posible que desee contratar a un topógrafo para que le eche un vistazo. Todo el mundo sabe que las casas construidas en cementerios están condenadas a estar malditas, ¿verdad? Aunque los antiguos túmulos de entierros indios son pocos y distantes entre sí en los EE. UU., Seguro que reciben muchas críticas.

Desde The Shining and Pet Cemetery de Stephen King hasta el clásico Poltergeist de Hollywood e incluso Buffy the Vampire Slayer, el mensaje es muy claro: no solo mires una casa antes de comprarla, mira debajo de ella.

8. Cartas en cadena
Conoces este. Te envían un comunicado que sugiere que si no lo pasas a cinco personas más, habrá una consecuencia terrible. Esta leyenda urbana parece haber predicho el marketing viral en unos veinte años.

El concepto de la carta en cadena mortal se exploró mejor en la Carta en cadena de Christopher Pike, pero la idea de los textos malditos también se explora en The End of Mr Y de Scarlet Thomas y también en Harry Potter y la cámara secreta.

9. La llamada proviene del interior de la casa
La moraleja es clara: MUJERES, PROTEJA A SUS HIJOS. Variaciones de éste ven a una niñera siendo atormentada por llamadas telefónicas amenazadoras que resultan provenir del interior de la casa. Los niños bajo su cuidado a menudo son asesinados. Hay variaciones de esta historia en todas partes, especialmente en Point Horrors The Babysitter de RL Stine y Mother's Helper de A Bates. Kevin Williamson rindió homenaje en la serie Scream al igual que yo en Hollow Pike.

Con los avances en la tecnología de los teléfonos móviles, se espera que esto se convierta en terror o asesinos basados ​​en Snapchat que usan Tinder para rastrear a sus víctimas.

10. El hombre delgado
Un mito moderno verdaderamente moderno, Slender Man comenzó en línea como parte de una competencia de imágenes de Photoshop para incluir un elemento sobrenatural. El usuario 'Victor Surge' agregó una figura vestida, sin rostro y anormalmente alta en dos fotos en blanco y negro que se copiaron y distribuyeron de forma viral en la red.

Desde entonces, millones de autores, la mayoría en línea, han compartido y difundido la historia en sitios web como Creepypasta. El modus operandi de Slender Man es secuestrar a personas, a menudo niños que parecen ir voluntariamente con la figura para no ser vistos nunca más, lo que lo convierte en una versión aterradora del Flautista.


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Re: What is Purchasing Department
« ตอบกลับ #4 เมื่อ: กรกฎาคม 16, 2021, 01:32:28 AM »
TOP 15 MOVIE SETS BELIEVED TO BE CURSED
15. The Ghost of Goodnight Lane
Alin Bijan is a famous filmmaker whose career comes from humble paranormal origins. As such, he is probably one of the few directors that has been directly inspired by ghosts. Twenty-three years ago Alin bought two buildings and converted them into a single movie studio. An old ranch once stood on the property in the late 1800s, where no less than five people are rumored to have died.

When Alin started to hear shuffling noises around corners and in closets, he soon concluded that he wasn’t working alone. Coworkers began to vouch for him, saying that they saw heavy filming equipment move on its own, as well as phantasmal visions of a strange figure. One of his colleagues said they felt an invisible hand harshly slap them in the face. Visitors started to experience the same unexplainable sightings, and a team of paranormal investigators soon verified that the studio was indeed haunted a short time later.

While a paranormal presence would be enough to send most directors packing, Alin found inspiration from the ordeal instead. He decided to write a script about a ghost haunting a movie set. He called the script “The Ghost of Goodnight Lane”, and he decided to use his real haunted studio as a set. Sure enough, the stars of the film all started to experience paranormal encounters of their own.

Lights would go on and off when no one was around, and ceiling fixtures would fall from the ceiling. It wasn’t uncommon for distant voices to call them by first name. Although this was all very disturbing, nothing too dangerous happened (unlike the other movies on this list). This could be because Lacey Chabert [“Sha-bear”] (from “Mean Girls”) says that she made a friendly pact with the spirits early on.

14. Three Men and a Baby
Ted Danson’s 1987 comedy Three Men and a Baby was supposed to be a classic feel-good movie, but people weren’t laughing after a ghost made a cameo. In one scene, two characters walk into the room to look at a baby. As they pick him up and start to walk away, you can catch a glimpse of something that was clearly unscripted. In the background is what appears to be a young boy staring through a crack in the door. The figure is not smiling at all as he looks straight into the camera. Touchstone Pictures has since explained the ghost as nothing more than a cardboard cutout that was used in a deleted scene. However, not everyone is convinced. When you compare a still frame of the cardboard cutout with that of the ghost, there are enough discrepancies that the rumor continues to live on. Take a closer look. Do you think these two images look alike? Ghost, or no ghost?

13. “The Ring
Most people will agree that this movie is creepy enough in its own right, but what if I showed you a little something extra in the background that you might not have noticed the first time around? The scary surprise happens during a scene where the father is picking his son off the kitchen floor. Pay close attention to the window in the center of the background. You should see what I’m talking about as soon as the window comes into focus. A haunting silhouette silently leans into the window sill from the left.

The shadowy figure seems to casually regard the camera for a brief moment. As the actors approach, it slowly leans out of sight. This clip, originally shown on a Japanese paranormal television show, has since become the center of much debate. While some people say that it looks like a stagehand who forgot to get out of the way, others say that the figure looks like a ghost. Could this set be cursed? If the YouTube description for this video is to be believed, then even the producers could not come up with a proper explanation.

12. “The Wizard of Oz”
This timeless classic is also timelessly cursed. There were so many accidents on set that the film has since earned itself quite a reputation in the following years. It didn’t take very long for things to go wrong. Just nine days after production had started, Buddy Ebsen, the actor who played the tin man, found himself gasping in the hospital. The aluminum powder that the makeup team had coated his face with now coated the inside of his lungs instead. He had inhaled too much of it. His skin turned blue and he could barely breathe, but he survived.

An actor named Jack Haley soon replaced him, but he suffered an eye infection from the makeup. Meanwhile, the Wicked Witch was nearly killed after a special effects mistake left her covered in flames. This pushed production back for another two weeks as she slowly recovered. Even the animals weren’t spared from the set’s wretched curse. The flying monkeys reportedly fell from their wires quite often. At one point, somebody even stepped on Toto [“Toe-toe”] and broke the poor dog’s paw. With all of this bad luck and turmoil, it should come as no surprise to learn that the production company was not exactly eager to make a sequel. Simply put, nobody was brave enough to see what would happen if they tried to film a second time.

11. “The Matrix”
For such an iconic movie as “The Matrix”, the series itself surely has been riddled with bad luck. As much as the fans would like to see another installment, it seems a curse has brought the series to a halt. It all started after shortly after a sequel was in the works. The pop singer Aaliyah [“Ah-lee-yah”] agreed to play the part of Zee, but a freak plane crash suddenly ended her life in 2001. Her death was the first of many. Just two months later, Gloria Foster, who played the Oracle in the first movie, died of diabetes-related complications in the middle of filming the sequel. Around this time, Keanu [“Key-ah-new”] Reeves’ sister was diagnosed with cancer, which she still struggles with to this day.

As if all of this tragedy weren’t enough, Keanu Reeves’ girlfriend had a stillbirth on Christmas Eve of all days. She was killed just four months later in a car accident after leaving a party in L.A. While all of this was going on, multiple special effects companies, all of whom had  worked on the first movie, suddenly went under. Their crucial contracts were now void, and now the new companies all wanted a ridiculously large amount of money.

According to one rumor, Keanu had to give a portions of his earnings just to fund production. Speaking of Keanu, when he and Carrie-Anne Moss (the actress who plays Trinity) were training for fight scenes, they both came down with painful injuries on the same day. Carrie-Anne Moss bruised her knees so badly that she had to walk on crutches for over a month. Keanu, in the meantime, hurt his ankle badly enough that it had to be X-rayed for a possible break. He was put into a cast and filming was delayed even further. A motorcycle accident also reportedly ruptured his spleen and broke his ribs.

10. “The Possession”
Steeped in Jewish folklore, this horror movie examines a haunted box that spreads evil wherever it goes. As it turns out, the very subject matter itself was evil enough to curse the entire set. The cursed box is known for destroying lights, and director Ole Bornedal [“Ol” “Bor-ned-dal”] said that a neon light exploded overhead . . . while unplugged. Actor Jeffrey Dean Morgan remembers lots of other lightbulbs exploding on the set as well. The set destruction does not appear to be limited to mere lightbulbs. Just 5 days after filming the movie, the storage house containing all of the props mysteriously burned down.

No items from the movie survived. The cause of the blaze has never been determined, but if you ask the cast and crew, they will tell you it was angry ghosts. On a related note, a good portion of the movie was filmed in the Riverview Hospital, an old psychiatric ward in British Columbia that is notoriously haunted. One YouTuber claims to have worked there as a janitor, and he says that he often heard cackling laughter and whispers coming from a long hallway on the top floor. The hospital is also connected by a large network of underground tunnels that are reportedly equally haunted as well.

9. “The Conjuring
Based on a true story, this movie is about a supernatural presence that makes itself known after a family moves into an old farmhouse in the country. Apparently, whatever was haunting the poor family moved onto the set shortly after they began filming. This could be because because the Perron [“Pear-ron”] family often visited the set to see how things were coming along. Being the same family who was originally haunted by the ghost in the 1970s, they very well may have brought the spirit with them.

One day, a strange gust of wind passed through the set. It ruffled only the Perron family, nobody else – not even the nearby trees. Only one member of the Perron family was too afraid to visit the set, and her name was Carolyn. As the wind passed over her family, Carolyn fell to the ground hard enough to require hospitalization. Even though she was in a different state, she said that she felt a dark presence around her before the fall. Shortly after this occurrence, bad luck started plaguing cast and crew alike. A freak fire forced everyone out of their hotel, an eerie static would tie up phonelines whenever the screenwriters had to discuss something important, and the director’s dog started barking and following invisible figures as they moved from room to room.

Then there were the claw marks. When actress Vera Farmiga was researching the story, she said that no less than 5 claw marks slashed across her computer screen from the inside. She quickly closed her laptop, threw a panicky fit, and then bravely turned it back on. The marks were gone. Later, when they were done filming, she said that she looked down and saw the exact same claw marks again, this time on her inner thigh. With all of these strange happenings, it’s no wonder that Warner Brothers hired priests to bless people after watching the movie in theatres. Some people have even claimed to have been haunted themselves after even a single viewing, so watch at your own risk.

8. “Amityville Horror Remake
This remake of the 1979 horror classic was released in 2005 to a lukewarm reception. In reality, what was happening behind the scenes was just as scary as anything that they put up on the big screen. Three creepy occurrences in particular come to mind. While filming at a boathouse, real police detectives entered the set and started to question people, seemingly at random. All they would say was that a dead body was discovered nearby. Some reports say the dead body washed ashore, but according to one interview with actress Melissa George, the body simply, quote, “floated to the surface”, unquote. Ryan Reynolds plays the male lead, and he began to take on some strange traits soon after filming began.

For example, the ghosts in the movie would always strike at 3:15 in the morning. Sure enough, he would find himself waking up at 3:15 a.m. each and every night. You might think that this is merely the power of suggestion in effect, that he was playing a character who would wake up at a certain time every night and soon began to do it himself in real life. In one interview, Ryan admits that it wasn’t just him waking up at 3:15 in the morning, but a large number of the crew, too. If you still suspect this is all merely coincidence, then here is another strange one that is hard to deny. Kathy Lutz [“Luts”] is the woman who actually lived in the haunted house that the movie is based on. She died within the first week of filming. She was only in her 50s when she passed.

7. “The Innkeepers”
Director Ti [“Tie”] West was shooting a movie called “The House of the Devil” when he and his crew crashed at a random hotel that the locals thought extremely haunted. During Ti’s stay, doors would close by themselves, the television would turn off and on, lights would burn out, and the crew would have strange dreams every night. So what did Ti do? Make a movie about it, of course. “The Innkeepers” is not only about a haunted hotel, it actually uses the haunted hotel for its set.

As such, strange disturbances happened almost every night while filming. At least one actor was almost too scared to continue, but as Ti puts it, “I have enough things bothering me, so a ghost’s not going to be my problem”. He pushed on and completed filming despite the ghostly activity. He continues to spread the hotel’s through his work to this day.

6. “Twilight Zone”
This movie adaptation of the popular television series is widely regarded as an 80s horror classic. Yet for such a popular movie, not many people are aware that the set was quite cursed, or that three actors gave their very lives. It was early morning in July of 1982, the last day of filming. For this scene, an actor named Vic Morrow and two child actors were supposed run away from an attack chopper during the Vietnam War.

The only problem was that the special effects were much more powerful than anyone had anticipated, and these fake explosions caused a very real disaster. The pilot was hovering only 25 feet above the three of them when the pyrotechnics popped off too closely and made him lose control. The helicopter spiraled towards Vic, who was clutching onto the two kids as he treaded water. It was a direct hit.

One of the boys was crushed instantly. The other child – along with Vic – were decapitated by the blades in full view of everyone. After this tragic event, the “Twilight Zone” curse latched onto John Landis [“Land-dis”] next. As the film’s director, he was held personally responsible for their 3 wrongful deaths, and he was charged with involuntary manslaughter. If convicted, he could have faced 6 years in prison. It was the first time a director had ever been charged for a decision made on set.

The lawsuit was ultimately settled out of court, but not without dragging on for years and costing him millions. His career was also severely damaged as well. First, he had to reject an offer to direct Dick Tracy so that he could focus on his trial, and second, hardly anyone trusted him with directing movies anymore. Aside from directing Michael Jackson’s Thriller music video the same year as “Twilight Zone”, he hasn’t done much worth noting since.

5. “The Crow”
You might have heard this one before, but you probably haven’t heard the whole story. Allow me to fill you in on all the gory details. Problems plagued the set of “The Crow” from literally day one. As soon as production started, a carpenter was severely burned all over when the crane he was standing on struck a powerline. Shortly after, a different crew member slipped and put the sharp end of a screwdriver straight through his hand. Strange as these two mishaps may be, they are just the beginning. A sculptor who had helped design set props was upset about the way something was being handled, so they drove their car straight through the studio as revenge.

Meanwhile, a publicist managed to get themselves in a separate car accident and was  injured. Yet another car caught fire on the set for seemingly no reason. All of this occurred between heavy rains that further damaged the set. The worst tragedy happened to Brandon Lee, star of “The Crow”. He was killed after a prop gun accidentally fired a small piece of bullet casing directly into his spine. The fatal wound oozed blood as on-hand emergency technicians began CPR. He died in the hospital about 12 hours later. Here’s the twist. Many people already know that Brandon Lee’s father was none other than martial arts master Bruce Lee himself.

However, not as many people know that Bruce Lee bought a house in Hong Kong that was legendarily haunted. Strange demons inside of the house were said to curse not only him, but also the next three generations of his family. With this in mind, it seems that the family curse followed Brandon Lee onto the set that year when production for “The Crow” began. It also apparently branched out to affect many of the crew, too.  Had he known that the curse would have caused so much damage, Bruce Lee would have almost undoubtedly chosen somewhere else to live.

TOP 15 HORROR MOVIES INSPIRED BY REAL PEOPLE

10 CURSED OBJECTS AROUND THE WORLD SCIENCE CAN'T EXPLAIN

10 MYSTERIOUS PHOTOS AROUND THE WORLD THAT CANNOT BE EXPLAINED

18 BONE CHILLING URBAN LEGENDS FROM AROUND THE WORLD

10 CREEPY URBAN LEGENDS FROM AROUND THE WORLD


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Re: What is Purchasing Department
« ตอบกลับ #5 เมื่อ: ธันวาคม 19, 2021, 01:48:57 AM »
Save money: 11 golden rules to remember before you turn 40

You can save money with simple actions and lifestyle habits that are easier to develop than you might think. Don't wait any longer and start getting rich today.

Pay off your credit cards every month
In 2019, 29% of Canadians had an outstanding credit card balance of $ 28,000 . The average American is in debt of US $ 7,000 ($ 10,250), racking up fines on their credit cards. It's the biggest financial mistake you can make in your 20s or 30s, says Carla Dearing, financial planner and CEO of SUM180, a digital planning service.

“Too many people underestimate the impact of small credit card debt, but do you know what carry-over amount is tolerable? Zero". With their high interest rates, monthly credit card payments should be a top financial priority. Paying as you go is one of the financial habits of people who are not in debt.

Save 6 months worth of expenses
Half of adults don't even have $ 400 in reserve for an emergency, well below what they would need in a more serious situation, such as a layoff, says Carla Dearing. Better not to follow these tips if you want to save money!

“Everyone knows they have to save, but this is where they hit a roadblock. The important thing is to define the right amount. " And the amount is what you would need to cover your living expenses for six months. Just taking them all down is a huge step in setting up a savings strategy. But here are some inspiring leads.

Do a 30-day spending fast
Juice and water fasting is dominant in the food business, but one that would benefit you the most is financial. That means a full month with no expenses other than running bills, and saving all the money you haven't spent, says Carla Dearing. This month without spending will not only be a good start for your savings account, but also an awareness of your multiple wastes that will motivate you to pursue your small savings. Save real money with these tips and tricks.

Know what a TFSA is
Do you know what a TFSA is? Or an RRSP? Do you have financial retirement goals? “People would love to know, and shouldn't let their ignorance cripple them,” says Carla Dearing. The positive side is that, in Canada and despite the pandemic, " more than two-thirds (64%) of Canadians have contributed or plan to contribute to their registered retirement savings plan (RRSP) , just like the previous year" , reports a bank survey. In the US, one of the most popular plans, the 401K, is not so successful, and 42% of adults across the border are said to have no retirement funds, according to Motley Fool. Carla Dearing's advice: check with your bank, try to contribute monthly and take advantage of your employer's retirement savings incentive programs.

Monitor your credit reports
You can get a free credit report in Canada which you should take advantage of. "It is very important to keep control of your credit rating, which is used, in particular, to assess whether you will be able to pay your rent and your insurance," says Carla Dearing. A good credit score is generally between 660 and 724, and an excellent one, 760 and above. You should check your credit report for old forgotten loans, unpaid bills or fraud reports. These problems take a long time to resolve, and it is never too early to start solving them.

Establish a monthly budget
At a time when financial balance was needed, a budget seemed to go without saying, says Carla Dearing. But in our electronic world, many are unaware of the debit and credit in their accounts. However, this is all the more important since you now have various types of accounts, which seems to complicate the exercise even further. “No need to rack your brains over complex expense breakdown tables, a simple spreadsheet is all it takes,” she adds. And with new apps, you can even track your budget right on your cell phone.

Pay off your student loans
The median debt for 2015 graduates was $ 17,500 in Canada , a figure that has remained relatively stable since. Student loans , which holders haven't paid much attention to, resurface after graduation, and can become a huge financial strain, Carla Dearing recalls. She advises distinguishing between the type of loan and seeing if you qualify for the government's repayment assistance program . For private loans, you could always negotiate an advantageous consolidation of your debt with your creditors. (By the way, by using these everyday items, you could save money!)

Buy term life insurance
Life insurance, like a retirement savings account, seems confusing and often overlooked, Carla Dearing continues. But it doesn't have to be complicated. “You just need to buy term insurance for 20 to 25 years, or until your children's schooling (if you have any). There are many inexpensive plans out there, and this is one of the best decisions for yours and for your peace of mind. ”

Invest in real estate
A growing number of young adults are pushing back home buying in favor of less restrictive rental, but wrongly, according to Carla Dearing. “Real estate is not just for rich heirs! A house is the first source of wealth for most people. Real estate capital gains always exceed stock market returns. ” The only reservation is the 20% deposit that must be paid, she emphasizes. But if a house is too expensive, why not invest in a duplex, triplex, or other plex with family members, or increase the real estate stocks in your portfolio.

Beware of identity theft
Never throw your financial statements in the trash without looking at them (it's the virtual equivalent of erasing emails before reading them). Balance sheets and electronic alerts from your bank, credit card issuers and loan holders are one of the first tools you can use to spot suspicious activity, says Carla Dearing. This is essential, as the correction and the impact on your finances will be proportional to the duration of the flight.

Live within your means
It is the basic principle of personal finance management that seems, however, to elude most of us! “It's not as hard as you think!” Carla Dearing concludes. Essentially, it's about discovering new tactics to increase your income and decrease your expenses. ” And in this world ruled by the Internet, this process is simplified as never before. Buy used goods on Craigslist, sell your items on an online store like Kijiji , trade your goods and services on apps… these are just a few examples of a creative process that could open up a world of possibilities. But beware: even rich people never buy these things!

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Re: What is Purchasing Department
« ตอบกลับ #6 เมื่อ: กุมภาพันธ์ 23, 2022, 01:50:01 PM »
Save while working
Most people work to put bread on the table, but waste a good chunk of their pay in the office. How do you limit these expenses to get the most out of this hard-earned money?

Clothing
If you wear a uniform you are in luck because your work clothes cost you next to nothing. Otherwise, buy the best quality you can afford and maintain your outfits well to make them last you a long time. Resist the impulses and make sure the clothes and accessories you buy go with what you already have.

Transport
If possible, use public transport, carpooling, cycling, walking ... anything so as not to make the trip solo in your car. It pumps out a phenomenal amount of money.

Meal
To get an idea of ​​what they are costing you, write down how much you spend on bagels, sandwiches, and salads for a week. Watch out for shock when you add up! Reserve this money for your outings with colleagues or friends to a good restaurant and bring a snack. Most companies provide a fridge, coffee maker, and microwave, so you can vary the menus. Not only will you save money on food, but you'll eat healthier than in the small, fast-food restaurants near the office. If you're worried about going out on your own, get along with a colleague to eat together at the office or in a park. If you prefer solitude, eat while devouring a book that you are burning to finish.

Coffee
What don't we give for a cup of caoua? The prices of luxury cafes are so excessive that we do not know whether to laugh or cry. It's so much easier and more economical to make it at home and bring a full thermos to the office. Or buy flavored coffee powder: it's ready in the blink of an eye and costs even less.

Payroll deductions
How many employees sign their employment contract and then let the human resources or accounting department settle their payroll details? Big mistake! You must personally ensure the proper use of your money. This is the only way to make every penny grow.

Insurance
Ask an agent you trust to review the guarantees offered by your employer and tell you if they are worth their premium. No need to pay for too low a deductible or overlapping protection. Married people who both have employer insurance should be especially careful.

Automatic deposit
If your employer has an automatic paycheck deposit program (most businesses have one), join. Many banks reduce or eliminate processing fees in this case. It's faster, safer, and the money is there for you right away.


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Re: What is Purchasing Department
« ตอบกลับ #7 เมื่อ: กรกฎาคม 20, 2022, 02:12:27 PM »
13 things rich people never buy

While rich people can buy whatever they want, that doesn't mean they are wasting their dollars left and right. In fact, they can be quite frugal. Here's how not to waste your money: do like wealthy people and never spend your money on the following things.

Compulsive shopping
It's tempting to succumb to the pretty cashmere sweater on display in the store window… or the newest (and most expensive) car offered at the dealership. It's good to know that a rich person will never make a purchase on the spur of the moment. “If you're buying things that you don't need,” billionaire investor Warren Buffet told Forbes, “you'll have to sell what you need soon.” This doesn't mean that millionaires don't buy lavish items. Instead, they think about their pros and cons… before using their credit card.

Substantial inheritance
Can we really count on the legacy left for our children and our grandchildren, to save them financial problems? Large inheritances are something rich people don't invest in. Why? Well, Bill Gates and Mark Zuckerberg both said they wanted their kids to find their way rather than relying on a bequest, according to CNBC . Instead, the two billionaires donate a significant chunk of their fortune to charity to help those most in need.

TV channels and video games
It is certainly not by staring at a screen all day that rich people have amassed their fortunes. They're not wasting their money on TV channel subscriptions or the latest video games. According to 2015 Nielsen data, adults living in households with an annual income of less than $ 25,000 spent significantly more time with the media (via TV, video games, or radio) than adults living in households with an annual income greater than US $ 75,000. “We expected higher income households to own more electronic devices, but we did not expect lower income consumers to use these types of devices more,” said Glenn Enoch, senior vice president of Audience Insights at Nielson.

Luxury brands
Even though millionaires can afford trends from top designers, that doesn't mean they're spending their (hard-earned) money on high-end clothing. In fact, IKEA founder Ingvar Kamprad told Newsweek he wasn't wearing anything that wasn't from a flea market to "set a good example." Bill Gates told Time that even though he can afford a closet full of Rolexes… he always wears a $ 10 watch.

An overpriced house
Although their budget for buying a home is considerably higher than average, wealthy people are still looking for the right deals. They want to feel like they're getting the most out of their dollar, not getting ripped off. They might spend millions on a house, but they negotiate prices like anyone else (and maybe even more…). Some wealthy people go so far as not to buy a fancy house at all. According to US News and World Report , Warren Buffett may be the third richest man in the world, but he still lives in the house he bought in 1958 for $ 31,500.

Buy… or rent!
Many wealthy people are now choosing to rent a house or apartment rather than buying, according to Michael Corbett, host of Extra's Mansions and Millionaires . “Renting is more popular than ever, even among people with a lot of money,” he told huffingtonpost.com . “It wasn't that long ago that it made sense (for those who could afford it) to buy a house and sell it a few years later. But the market has increased slightly this year and we are no longer in the midst of a real estate boom. ”

Overpriced beauty treatments
Everyone needs a haircut every now and then. For some wealthy people, however, this does not justify having to take out their wallet. Businessman and billionaire John Caudwell is cutting his own hair, according to TIME . And IKEA founder Ingvar Kamprad told Newsweek that he only gets his hair cut when he's in developing countries, to help the local economy.

Multiple credit cards
We understand that a wealthy person does not want to walk around with a ton of money in his pocket. But that doesn't mean that their wallet contains a credit card from every financial institution. Tom Corley - author of the bestselling book Rich Habits: The Daily Habits of Successful People - told US News and World Report : “Only 8% of rich people use more than one credit card. Meanwhile, 77% of less fortunate people have more than one credit card. Having multiple credit cards means more expenses to track on different accounts, more finance charges to accumulate, and generally more opportunities to buy things you don't need.

Late fee
No one likes paying late fees for a forgotten bill or payment. According to David Bach, author of Smart Women Finish Rich , that's why wealthy people use automatic payment for their various accounts: from mortgages and car payments to credit cards and insurance. "Late fees can be a fortune."

Poor quality items
Wealthy people have the money to replace an item that wears out or breaks. However, many of them think twice before wasting their money on any object. “Rich people understand that the cheapest item is rarely the best quality,” said Peter Bush, financial planner at Horizon Wealth Management in Louisiana. “They're trying to take a long-term view by looking at what they're paying for today versus its value over time.”

Experience rather than objects
Research has shown that money and material things only lead to a little happiness. Rather, it is the meaningful experiences that lead to a fulfilling life. According to Jaime Tardy, author of The Eventual Millionaire , wealthy people choose rewarding experiences over new gadgets. As she told The Week , several millionaires she knows own old iPhones rather than the latest model.

Retirement
No one will advise against investing money in your RRSP. But for wealthy people, retirement isn't their primary goal ... because self-made millionaires just don't plan to retire, according to CNBC. A 2010 study from Barclay's Wealth, published on CNBC , found that 54% of millionaires want to work through retirement, and 60% of people with a net worth of $ 15 million plan to work, "regardless. their age".

Gambling and gambling
Of course, wealthy people don't need to play the lottery since they are already wealthy. But since they are against wasting money, they are also against gambling. It goes without. Warren Buffet has openly criticized the kind of institutions that offer gambling, saying it was the government ultimately taking advantage of its citizens. He even installed a slot machine at home, to show his children that when he gives them their allowance, the temptation is great to spend everything in one day.



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Re: What is Purchasing Department
« ตอบกลับ #8 เมื่อ: กรกฎาคม 20, 2022, 02:12:55 PM »
Deciding when to downsize
There’s a new “real-estate headache: Baby Boomers who won’t sell their homes,” said Aimee Picchi in CBSNews .com. In previous generations, Americans entering their early 70s—as the oldest Boomers are now—typically downsized into condos and apartments. But Boomers “are healthier and working longer than previous generations,” and showing less inclination to relinquish their longtime homes. Americans over age 65 have the highest ownership rate of any generation—80 percent, compared with 35 percent of those under 35. And with 85 percent of seniors not intending to sell in the next year, they’re adding to an “ongoing inventory crunch” in the housing market. A few factors could be at play: More seniors are now in the workforce than at any time since 1948, so they may not be ready to move. And many have kids who haven’t moved out: More than one-third of adult children still reside in their childhood home. “Downsizing is increasingly shifting to very old age, when Americans are in their 80s.”

We’d love to move, said Mark Pothier in The Boston Globe, but we “can’t afford to.” After 20 years in our home south of Boston, we have “a pile of equity” built up. Our youngest child just moved out, and we’re ready to “ditch the drudgery of yard work and upkeep for a simpler life governed by condo association rules.” But we can’t afford to sell in this market, at least “not without exiling ourselves to a place where we don’t want to live.” Most condos, with “marked-up amenities like $60, 000 kitchens,” are now out of our price range—and we  aren’t alone. “When did downsizing become as expensive as upsizing?” Many Boomers simply assume they can “take advantage of equity and the sellers’ market” to cash out and buy a smaller place, said Kevin Simpson in The Denver Post. But they “run into trouble trying to find something comparable if they choose to remain in the area.” That’s why many are deciding to use their equity on remodeling and adding aging-in-place features, with the aim of one day leaving the house to the kids.

How do you know if downsizing is the right move? asked Tanisha Sykes in USA Today. Run the numbers, factoring in the cost of selling your current home, your relocation costs, and the fees associated with the purchase of a smaller home. “The amount of space you have may also influence your decision to scale down.” Seniors can also choose to rent a smaller place and invest the profit from selling their home to generate more income in retirement, said Casey Dowd in FoxBusiness.com. And in the end, “it may make more financial sense to not downsize at all.” Even simply doing an aggressive decluttering could make life in your old home easier to manage.


SCOTUS ends tax-free online shopping
“You’ll soon be paying more in taxes for online purchases,” said Ben Fox Rubin in CNET.com. The Supreme Court ruled 5-4 last week that states can force retailers beyond their borders to collect sales tax revenue from consumers, overturning a decades-old decision that only required companies to collect sales tax in states where they had a physical footprint. All this time, if retailers didn’t collect sales tax, consumers in, for instance, New York were ostensibly responsible for sending in the necessary taxes if they bought a product from a company in, say, Utah—“something that most people never do.” Brick-and-mortar retailers rejoiced at the South Dakota v. Wayfair ruling, saying the court had finally “leveled the playing field,” said Joyce Rosenberg in the Associated Press. But the change also angered many small online businesses, which say their expenses and compliance costs could now skyrocket, because they will be responsible for sales tax in some 10,000 state and local jurisdictions nationwide.

It’s about time this bizarre loophole was finally closed, said Josh Barro in  BusinessInsider.com. In 1992, when SCOTUS first ruled on the issue, mail-order sales totaled roughly $180 million. Last year, digital retailers sold half a trillion dollars’ worth of goods. States have been losing out on an estimated $8 billion to $33 billion in uncollected revenue per year. Ensuring our tax system is “a little less broken” is a positive outcome for all of us, “even if it means missing out on deals from time to time.” However, “this doesn’t mean that websites will all of a sudden start collecting sales tax,” said Alana Semuels in The Atlantic. So far, this rul ruling only covers South Dakota, which passed a law requiring retailers that sell $100,000 worth of goods in the state, or process more than 200 separate sales, to collect tax. It’s still unclear what the implications are for other states, or for “the people who shop in them.” Thirtyone states currently have internet taxation laws, but their rules “may be more restrictive than South Dakota’s law, and so may not hold up in court.”

Lest you think Amazon is now in trouble, I expect CEO Jeff Bezos will “lose zero sleep,” said Jordan Weissmann in Slate.com. “The fact is that plenty of big players in online retail were already collecting sales tax on many, if not most, of their sales.” That includes Amazon, which applies sales tax on all the items it sells directly to customers. It didn’t always do so, and you can argue that its yearslong tax dodge was key to its incredible growth. But as it has expanded, “its vast network of fulfillment centers” has made the company subject to states’ tax jurisdiction. That’s one reason this decision “won’t fundamentally change Americans’ shopping habits.” But it did hand Amazon another opportunity “to squash potential competitors,” said James Freeman in The Wall Street Journal. The businesses most hurt by this ruling will be the millions of small-business owners who sell on marketplaces like Amazon, eBay, and Etsy, who now have to navigate thousands of different tax rules. That’s yet another advantage for Amazon, which could find a new opportunity in offering mom-and-pop online shops a tax-collection service—for a fee, of course. Just one more way “Washington is now helping the tech giant prevent upstarts from challenging its position.”

Navigating airline rewards programs
“We all dream of flying in first class, glass of prosecco in hand, away from the screaming children and armrest battles,” said Lucas Peterson in The New York Times. Frequent flier miles are the most likely pathway to the front of the plane for most travelers. “But negotiating the world of airline rewards can be onerous.” Rules change often, and many flights aren’t eligible for rewards. Even if you don’t have a favorite airline or route, your best bet is “signing up for an airline-specific frequent flier program.” Alaska Airlines, “once somewhat niche,” has recently become a favorite beyond the West Coast, thanks to its acquisition of Virgin America, which vastly expanded its national footprint. Alaska offers generous perks for even medium-level fliers; it still confers miles and status by actual mileage flown. Delta’s SkyTeam global alliance is solid, but its “opaque” SkyMiles program frustrates loyalists. The popular low-cost carriers Southwest and JetBlue have widespread domestic networks and robust loyalty programs, but redeeming an international flight can be more difficult than with legacy carrier networks.

“Travelers have complained for years about skimpy or nonexistent availability of award seats and big increases in the number of miles needed for awards,” said Scott McCartney in The Wall Street Journal. But remarkably, in the past 12 months some carriers have actually been “opening up availability and cutting the number of miles needed for tickets to places people really want to go.” American Airlines in particular has “significantly relaxed its grip on award seats,” especially for wanderlust-worthy destinations like Hawaii and Europe. Last year it had reward seats available on 71 percent of its trips longer than 2,500 miles, a vast improvement from the 17 percent it offered in 2012. United has also upped the number of rewards seats by 10 percent. But excluding long-haul flights, low-cost airlines have the highest number of available tickets. Southwest and JetBlue make more than 90 percent of their flights available for rewards redemption.

Once you sign up and start earning, check your airline reward account’s points balance as you would your bank account, said Catherine Hamm in the Los Angeles Times. Americans currently hold roughly $48 billion worth of miles and rewards. The website AwardWallet.com allows you to track your various travel rewards accounts and monitor any fraudulent use. Make sure you don’t sit on your miles for too long, said Patrick Allan in Lifehacker.com. Holding a large mile count is risky, as carriers notoriously set an expiration date on each mile you earn, and miles and points can “devalue massively” faster than you expect. The longest you should bank points is for a year. Beyond that, “you’re running the risk of the dreaded devaluation demon coming and wrecking everything.”

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Re: What is Purchasing Department
« ตอบกลับ #9 เมื่อ: พฤศจิกายน 08, 2022, 04:02:07 PM »
Supernatural Urban Legend
Calls From Beyond Urban Legend
A middle-aged man was on a train to Los Angeles, on his way to a job interview. He had recently become engaged, and he hoped that the job would allow the pair to marry. At 4.30 p.m. the vehicle collided at 85 mph with a freight train running in the opposite direction, in one of the worst accidents in America’s history.

His fianc?e heard about the crash while driving to the train station with the man’s parents and his siblings. Several of his loved ones received calls from the man’s mobile phone so they naturally assumed that he had survived the accident, even though all they could hear when they picked up was static. Although their subsequent calls to him went straight to voicemail, all through the night they waited for confirmation that he had been found alive and well.

Twelve hours after the accident, having tracked the signal from his mobile phone, rescuers finally located him in the wreckage. He had died instantly in the crash…and yet 35 calls had been made from his phone—only to his nearest and dearest—as if the mobile had been reaching out to help lead them to his body.

Midnight Fare Urban Legend
A taxi driver working the night shift on a quiet Sunday was driving past a hospital. A young girl hailed him down and hurried into the car to get out of the rain. She was wearing a hood and her hair partly obscured her face. She requested that he take her to a lake nearby, which he thought was odd, but he reasoned that perhaps she lived near it. She didn’t answer any of his questions, so he drove to the destination in silence, with the rain drumming on the car.

When they arrived, she asked him to wait for her, and she disappeared into the darkness. He waited for a long time, not wanting to abandon the girl out there on her own. Finally, she returned and asked to be taken to a new address, this time to a neighborhood that the driver knew. When they arrived, the girl got out of the car without paying the fare and disappeared inside a house. Annoyed, the driver got out of the taxi and knocked on the door.

An elderly man opened it but there appeared to be no sign of the girl. When the driver asked about his mysterious passenger, the old man said that there were no children in the house, but then he explained something: he once had a daughter, but she had drowned in the lake in a car accident with her boyfriend many years earlier. He said that sometimes her spirit caught a cab to look for him in the lake, before returning to her childhood home. The old man asked, worried, “You didn’t get a good look at her face, did you?” The driver replied he had not, and the old man smiled, “Good.” He then paid the fare and closed the door. When the taxi driver got back to the car, he saw that in the place where the girl had sat down was a puddle of black water.

Nure-onna Urban Legend
Japanese children are often told the story of a keen swimmer who went for a dip every day in the lake near his house in the mountains. Usually, he was the only person there, as he swam early in the morning when the water was very cold. One day he thought he saw someone else in the lake but, as he approached the water, he realized that they weren’t swimming—they were drowning. It was a young woman, waving her hands silently above the surface of the lake, so he dived right in and swam powerfully to her rescue. As he got closer, he saw the girl’s long black hair swirling around her as she slipped beneath the choppy waters.

He moved to grab her but suddenly his legs felt heavy and he could barely move his arms. He couldn’t understand what was happening, but then he noticed something strange: the girl was no longer struggling but staring directly at him with black eyes. As he desperately tried to keep his head above water, he realized that instead of hands she had claws, and instead of legs she had the body of a great snake, which was wrapping itself around his torso and dragging him down into the depths. He was never seen again—being a hero can have its consequences…

Clack Clack Urban Legend
An American boy was sleeping over at a friend’s house and they were both trying to outdo each other with telling scary stories. He’d seen all of his older brother’s scary movies, so he wasn’t that impressed with what he had heard so far. Then his friend’s cousin turned up, heard what game they were playing and, despite their protestations, sat down and joined in. He told them about a girl who was waiting for a train to her high school prom one night, when she saw a group of her friends on the other side of the tracks. Not wanting to be left out, she ran over a crossing just as the train was coming, and the wheels cut her in half at the waist. Ever since, people had reported seeing her legless ghost at the school, especially on prom night, when it was said that she would cut your body in half. And anybody who heard the story would see her in one month’s time.

A few weeks later the boy was walking home from school, when a girl appeared over a wall and smiled at him. He smiled back and continued on his way when he heard a strange “clack clack” noise behind him. He looked around in horror: the girl was crawling over the wall, dragging herself on bony elbows. As she dropped to the floor, he saw that she had no legs and when she started crawling towards him, her elbows made the spine-chilling clack clack noise, as she gained on him. He didn’t turn up to school the next day.

The Doll Urban Legend
For decades a small doll kept at a temple in Hokkaido prefecture, Japan, has captured the attention of Japanese people. The story goes that the doll, which has black hair and black eyes, and wears a traditional kimono, was the favorite of a little girl who died tragically young in the 1920s. The girl carried the doll everywhere she went and, after her premature death, the family placed her favorite toy in an altar in her memory. The girl had cropped the doll’s hair short to look like her own, and people would often comment that it looked suspiciously like its owner.

Not long Urban Legend
afterwards, the family noticed that the doll’s hair appeared longer than it had been. Although they dismissed the notion as a figment of their imagination, eventually they couldn’t ignore the fact that the hair was growing. When it reached the doll’s knees, the family, suspecting some insensitive prank, cut the doll’s hair so that it was short again but, of course, it only grew back longer. The family eventually placed the mysterious toy in a local temple, where it remains to this day. The monks at the temple cut the doll’s hair on a regular basis and it always grows back. Many years after the doll arrived at the temple, the hair was tested and found to be that of a young child.

Tunnel Visions Urban Legend
A busy highway in Tokyo, Japan, runs through a tunnel that lies underneath a very large and very old cemetery. The graveyard is not visible when driving a car underneath, but many drivers are said to have felt its presence over the years. A man driving back from a late shift at work one night narrowly avoided hitting what he swore was a young mother with a small child, but after he managed to get his car under control and swerve to a stop, he saw that there was nobody there. His friends blamed lack of sleep, but he was sure there had been somebody standing in the middle of the road.

People in the know would say that he witnessed one of the sinister spirits emanating from the graveyard above and becoming trapped in the tunnel, stuck between this world and the afterlife. On more than one occasion drivers, usually male, have described how they glanced in their rear-view mirror and caught sight of a young girl with long black hair on the back seat, staring straight at them. If they managed to keep their car on the road and checked again, they would find that there was nothing there. Other reports include people hanging upside down or banging on car roofs, and mysterious handprints and faces appearing on windows. The area’s taxi drivers are particularly wary: all of them know the stories of cabs being hailed by people in the tunnel, only for them to disappear when the door is opened.

Hanako-san Urban Legend
Anybody who grew up in the West knows the urban legend of Bloody Mary, who will appear if you say her name three times into a mirror in a darkened room. The Japanese have their own version: you must go into an empty girls’ bathroom and knock on the door of the last cubicle three times, then ask aloud, “Are you there Hanako-san?” When you open the door, you will see a young girl who was brutally murdered in a high school bathroom many years before. She always wears a red skirt.

Benjamin’s House Urban Legend
At the turn of the twentieth century, a wealthy family bought an old mansion in the south-west of England, high on the cliffs in a remote location, overlooking the sea. They lived with their young child, a boy named Ben, and several servants. Stories would reach the local villagers, who rarely saw the inhabitants of the house, that the owners were distant and cruel to their staff, who had little other choice of employment in the area. The devoutly religious lady of the house singled out one of the maids, a young cook, for particularly cruel treatment, claiming that the girl was evil and that she was corrupting the rest of the staff.

The maid would often return late from her weekends off, and the other servants liked to gossip: they said that she was a harlot, a liar and even a witch. She was a strong-minded girl and instead of denying the rumor, she played up to the stories told about her. When the boy’s father found her performing strange rituals in the grounds of the house, she was beaten and dismissed. Before she left, she offered a doll to the boy, who had always liked her despite his parents’ suspicions, as a peace offering. His parents were all for throwing it away, but the boy liked it—in fact, it became an instant favorite, and he even named it after himself: Benjamin.

He dressed the doll in clothes to match his own and would never let it out of his sight—or was it that he was never out of its sight? The boy would often talk to Benjamin in his room alone, even pretending to speak in its voice. His parents thought his behavior strange, but as he had no other friends to speak to and it kept him occupied, they let him be. Occasionally, the servants heard him arguing with the doll in his bedroom and one morning they heard him sobbing uncontrollably from behind a locked door. They told his father, who found the little boy hiding under the bed, because he said that Benjamin couldn’t see him there. The father was again ready to get rid of the doll but the boy pleaded to let him keep it in the house.

A rumor started among the servants that the boy was not talking for the doll; the doll was talking for itself. It became common to hear loud noises coming from the boy’s room at night, and when the door was opened, he would claim that Benjamin had done it. One of the maids reported being “followed” by the doll and spotting it at different upstairs windows, as if it were watching her work. It was said that the doll’s face had a different expression depending on who was looking: sometimes happy, sometimes sad—sometimes angry.

The urban legend stories eventually caught the attention of a writer who was staying in the village and decided to investigate. He was rebuffed by the owners, who denied all knowledge, but he persevered. He managed to talk to some of the staff, who told him that the doll had a distinctive piercing laugh, which could be heard in the upper floors of the house, and was often spotted sitting in different rooms of the house when the boy wasn’t at home; one servant even claimed to have seen it running across the hall. Eventually, the boy grew up, but he never left the house—and he never left Benjamin. When he died many years later, the household wasted no time in banishing the toy to the attic, where it was sometimes glimpsed peering out of the windows. The doll remained in exile upstairs for many years, until the house’s new owners moved in. They had a little girl who one day, while roaming in the attic, discovered an old well-worn doll with a sad look on its face. Soon Benjamin was up to its old tricks: the girl appeared to be terrified of the doll, saying it had attacked her, but she couldn’t bear to be parted from it. On one occasion, her older brother beheaded Benjamin with scissors and left it on the floor as a cruel sibling prank, only to find the doll the next day in his bedroom…with its head reattached and smiling.

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Re: What is Purchasing Department
« ตอบกลับ #10 เมื่อ: พฤศจิกายน 08, 2022, 04:02:44 PM »
Supernatural Urban Legend 2
The Highgate Vampire Urban Legend
In the 1970s a London newspaper covered a juicy story that was terrifying the residents of a well-to-do suburb in the north of the city. The cast of characters included: a top-hatted gentleman thought to be a vampire who had been sighted several times—he apparently escaped from a cemetery each night to find fresh victims—and a vampire hunter with a band of dedicated followers. The paper reported that people walking in Highgate cemetery, resting place of many famous individuals including Karl Marx, had seen ghostly figures following them at night. A few days later it emerged that graves in the cemetery had been disturbed and the remains of a ritual act were found. Most disturbingly, an iron stake had been driven through the lid of a coffin and into the corpse inside.

The paper interviewed the self-proclaimed vampire hunter: he claimed that whoever had placed the stake in the coffin was mistaken and that the monster was still at large. Moreover, he declared that he and his followers had stalked the vampire as he was leaving the cemetery and that the creature was actually the reanimated corpse of an eighteenthcentury European gentleman: he had been transported to London in a coffin after his death and was now possessed by evil spirits. The hunter claimed that he had tracked down the vampire to a great mausoleum in the cemetery, where he had had the chance of putting a stake through his heart as he was sleeping. However, he did not carry out the deed, as it would have been illegal to desecrate a body in such a fashion, but he took sensational photographs of the creature’s evil, contorted face and scattered garlic in the vault.

Then the body of a woman was found in the grounds of the cemetery, not far from the mausoleum, causing a furore in the media. Hundreds of people turned up at the cemetery night after night in an attempt to find the vampire. The police had to guard the place for several nights to put the locals’ minds at rest. The hunter eventually cornered the vampire in a nearby mansion, where he had found refuge in a coffin. They performed an exorcism, put a stake through the creature’s heart and burned the corpse, thus ending the threat forever.

Modern Vampires Urban Legend
In Romania, land of the original Dracula, old habits die hard. Rumors of vampires rising from graves to prey on the living are still popular. In Transylvania in 2004, a group of villagers were worried about someone who had been recently buried. They thought he was responsible for a series of recent attacks in the community and decided to revert to ancient techniques in order to stop the crime spree. They went to the cemetery to dig up the body, which, they noticed, looked a lot fresher than would be expected, and a stake was driven through the heart. Then the organ was cut from the torso and burned, according to tradition. No more attacks were reported.

Vampire folklore has a long history in Romania, home as it was to the man who inspired Dracula: Vlad the Impaler, Prince of Wallachia in the fifteenth century. Vlad got his nickname because of his habit of impaling captured enemies on stakes. He carried out this practice with so many of his enemies that one visitor to the country described a “mighty forest” of corpses stuck on stakes that stunk to high heaven. When he complained to the Prince, it’s said that the same visitor was “impaled high up, so that the smell of the others would not bother him.”

It’s not just in Eastern Europe that stories of vampires cause people to take drastic action. In rural nineteenth-century New England, an outbreak of tuberculosis took hold, killing many, and as the disease tended to kill several members of the same family, worried locals surmised that the dead were taking others down with them. In order to try to arrest the outbreak, they invoked ancient rituals designed to stop vampires. In 1892 the Brown family of Exeter, Rhode Island, were hit by the disease. A young girl, Mercy, died, and her mother followed soon afterwards.

As inevitably happened with the disease, Mercy’s brother also fell ill. The family felt that their only option was to exhume and examine the bodies. The father enlisted the help of villagers for the job; they found that Mercy, who had died two months previously, looked suspiciously lifelike and that her heart contained fresh blood. This was a sure sign that she was the vampire to blame for the deaths, so her heart was cut out and ritually burned. The ashes were given to her brother on his sickbed, while others inhaled the smoke in a belief that it would protect them. Unsurprisingly, neither method worked.

The School Bus Urban Legend
Several decades ago, an odd urban legend story appeared in a local newspaper in a rural region of Wales. On the last day of term, a school bus taking children home was making its usual crossing over a railway line that ran up a mountain. The driver never liked taking the children over the crossing, but he had done it hundreds of times without incident. However, this time something went wrong, and the bus stopped right in the middle of the tracks. As the driver frantically tried to restart the engine, his worst nightmare began to come true: he heard a train sound its horn in the distance. Within seconds a heavy goods vehicle was looming large in the window. His first instinct was to save the children, so he leapt from the bus and smashed open the emergency exit. The last thing he heard was the terrible noise as the locomotive’s brakes screeched in vain and the children screamed as they jumped off the bus. The last thing he saw was the train driver above him, shielding his eyes as he awaited the inevitable. The train obliterated the bus, but by some miracle only the bus driver lost his life.

Over time the small mining community slowly forgot about the accident, until a recent story appeared in the same paper. It reported that an elderly man, a retired teacher, was driving over the same railway crossing when his car stalled on the tracks. The alarm began to sound and his panic grew as he fumbled with his seat belt. Just as he opened the door, and the guard rails lowered behind him, he felt the car shift, as though it was being lifted up from underneath, and the next thing he knew the train was thundering past behind him, so close that it rocked the car. He was so shaken that he had to get out of his vehicle and call his wife to drive him home, which is when he checked the back of his car for damage: the train had missed it by a foot. It was also at that moment that he noticed the marks on the boot of his car: they were bloody handprints. The man looked around in a panic, but there was no one else in sight.

Red Paper Urban Legend
Japanese children scare each other by repeating the tale of what happened to two schoolboys many years ago. One day one of the boys went to the bathroom, only to find that there was no toilet paper in the stall. As he cursed to himself, he heard a voice asking him whether he wanted red or blue paper. He answered “red” and all the blood seeped out of his body so that he died in minutes. The story spread around the school. Some months later the boy’s friend found himself in the same toilet stall, and again there was no paper. He heard the same voice ask him what paper he would like. Knowing the story and remembering what had happened to his friend, he chose blue. Gradually, his throat began to tighten and soon he was struggling to breathe. Classmates found him dead, blue in the face from suffocation.

The Survivor Urban Legend
One sunny summer day, a young couple were driving down to the coast for a vacation. They had left the town and were winding through the hills when they noticed a woman at the side of the road, flagging them down. She looked distressed and her clothes were covered in blood, so they quickly pulled over and asked her what had happened. She struggled to get her words out; she appeared to have an injury to her neck and was in pain. They finally established that she and her family had been in a car crash, although there was no vehicle visible from the road. The woman pointed over the side of the valley, saying that the car was somewhere down there and her husband was dead, but her baby was trapped in the back seat and he was still alive when she left him.

The man started to clamber down the valley through broken trees, while his girlfriend said she would call for help and look after the woman. He saw that the car had rolled a long way down the hill, and looked in a very bad way, but as he got closer he could hear the muffled sounds of a young child. The wreckage was terrible and he could barely see the driver. Although the back door was bent into the frame, he tugged with all his might and managed to wrench it open. He was able to pull the screaming baby out and carry him back up the hill.

As he hurried back to his girlfriend, he noticed that the woman was no longer with her. “Where did she go?” he asked.
“She went to see her baby. I tried to stop her,” replied his girlfriend.
So the man handed the baby over and returned to the crash site to find the boy’s mother. As there was no sign of her, he checked the rest of the vehicle. He hauled the smashed windscreen out of the way and saw that the driver was clearly beyond help, so he turned his attention to the passenger and what he saw took his breath away: it was the mother who had flagged them down, clearly dead and trapped in the wreckage all that time.

Esmeralda Urban Legend
Around 100 years ago, a sensational urban legend story filled the papers in Nottingham, England. A young gypsy girl named Esmeralda, who was visiting the area with her family, was raped one night and the attacker was never found. It was said that the police weren’t bothered about the fate of a traveller. What the papers didn’t know was that she had fallen pregnant after the attack and gave birth to a child, but he was horribly deformed and didn’t survive his first year. He was buried in an unmarked grave in a field on the borders of the city. Esmeralda was said to have visited the place every time she came through the area with her family until she was middle aged. On one occasion she found that the grave had been dug up, the coffin opened and the body taken. After struggling to deal with the memories of her ordeal for many years, the shock of that discovery tipped her over the edge and she lost her mind. Esmeralda was shunned by her community and ended her days in a cruel asylum in the city.

The urban legend story was forgotten, and the field became a children’s playground after the war. For many years locals had reported strange happenings at the site: some described the sounds of a baby crying, or something like the shrieks of a fox or a feral cat. Children playing would find the mutilated remains of animals, such as birds, cats and once even a large dog. A newspaper report warned parents that a young girl had been approached by an old woman wearing strange clothes who had asked if she had seen her child and then had muttered a curse when the girl ran off.

One night in the 1960s, a man was walking his dog, a German shepherd, through the park. The dog was running off the leash when his owner heard him growling somewhere in the darkness. He called for him, scared that he might bite a stranger, but then came a terrible yowling, and the animal raced back to his side, whimpering. It had a vicious gash on its nose and was limping. Then the man heard something wailing from the trees, like nothing he had heard before, and caught sight of something moving quickly across the ground towards him. He didn’t wait to see what it was and ran home as fast as he could.

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Re: What is Purchasing Department
« ตอบกลับ #11 เมื่อ: พฤศจิกายน 08, 2022, 04:06:40 PM »
Supernatural Urban Legend 3
The Woman in White Urban Legend
A group of children were playing in a river in their hometown near Mexico City—a place they usually visited to let off steam. A woman appeared and started to ask them questions. She stood out from the locals because of her appearance: she was dressed all in white and immaculately groomed. She spoke quietly and occasionally sobbed, asking the children if they had seen Marcus and Gabriela, whom she called her “little babies.” One of the boys was called Marcus, but he didn’t know the lady, so they ignored her.

The woman disappeared as quietly as she had appeared. When the time came to leave the river, the children noticed that Marcus was missing. They assumed that he had gone home by himself and thought nothing of it, but by the next morning he hadn’t turned up and the whole town was looking for him. He was eventually found face down in the river; he had drowned. His family assumed he had got into trouble while swimming with the others, until one of the children told her mother about the woman in white and how she had been looking for her children. When Marcus’s mother heard the tale, her blood ran cold; she knew who had taken her son. Three more children from the town disappeared over the following month, and each death was preceded by a sighting of the pale-faced woman in white, asking after her children.

Centuries earlier, when the Spanish invaded South America, a beautiful native interpreter became involved with one of the commanders and had two children by him. The man eventually married a Spanish woman, shunning his native mistress and their offspring. In her grief she went mad and drowned the children in the river before leaping off a bridge herself. She tried to enter heaven, but could not gain access without her children, so she was condemned to roam the earth, trapped between the living and the dead. The urban legend goes that she wanders the land looking for her children, taking any she finds that resemble her own and drowning them, in order to bring them to heaven to try to receive forgiveness for her terrible crimes.

La Mala Hora Urban Legend
Maria from Arizona received a phone call from her best friend, Rosanna, who sounded distraught. Rosanna was breaking up with her boyfriend and he had left the house in a rage, so she asked if her friend could come and keep her company. As Maria’s husband was away on a business trip, she was feeling lonely so she decided to accept. It was late, just after midnight, when she left her house in her car, and the dark roads were deserted. She couldn’t escape the feeling that something was watching or following her, but she told herself that it was just her mind playing tricks.

Halfway to her destination, she stopped at a crossroads and suddenly a dark shape, like a cloud of smoke, rolled towards her car. Then it disappeared. The lights turned green and she accelerated but immediately slammed on the brakes when she saw a figure in the road right in front of her. She was small, like a girl, but with the face of an old lady twisted into a hateful grin. Her eyes glowed red, and she bared black and sharpened teeth. She crawled on top of the car, and started to scrape and hit the window on the driver’s side with clawed hands. Maria put her foot to the floor in sheer terror and the car lurched away from the crossroads, leaving her attacker on the tarmac. As she sped away from the lights, she realized with horror that the demon woman was still chasing her car and somehow keeping pace, her talons scraping at the metal with a terrible noise. She accelerated to well over the speed limit, her heart pounding, and then the noise stopped. Her heart was hammering in her chest as she watched in her rear-view mirror the figure in the middle of the road: she was standing still but seemed to be as close as before; she was growing towards the sky and her great claws were so large that they touched the ground. Then the car turned a corner and she was gone.

When Maria reached Rosanna’s house, she screeched to a halt, ran up the drive and slammed her fists on the door, shouting to be let in. Her friend opened the door in fright, and Maria told her to shut it and lock it. She closed all the curtains and told Rosanna not to look out of the window.

“What happened?” Rosanna asked, and Maria explained what she had seen on the road: the dark shape, the woman with claws and how she seemed to grow in the moonlight behind her. Her friend listened quietly, kept looking at her watch and seemed to know what she was talking about.

“Are you sure you were stopped at a crossroads?”
“Yes, I’m sure,” replied Maria, listening carefully for any noises coming from outside.
“It may have been la mala hora,” explained Rosanna. “It means “the evil hour”. They say she appears at a crossroads when someone is about to die. If you manage to escape her grasp, someone you love will die in your place.”

Maria was horrified, but she tried to make light of it, saying that she must have imagined the whole thing. However, she knew that she hadn’t, and she couldn’t stop shaking.

It took her hours to get to sleep, but when she awoke the following morning, she wondered if it had all been a dream. Rosanna didn’t mention anything over breakfast and Maria slowly forgot about it. Later that day, as she was driving home, her phone kept ringing but she didn’t stop to answer it. She had to pass over the same crossroads on her journey back but was relieved to find that in the daylight she wasn’t frightened. When she reached home, she saw a police car waiting in her driveway and wondered whether she had been burgled—or maybe her husband had been caught speeding again?

The officers got out of the car but wouldn’t tell her anything until she went inside. They asked if she was alone in the house and said that her husband had been found dead in his hotel. They thought that he had been followed back to his room by a thief, who had forced his way in and stabbed him to death for his wallet. Maria didn’t want to believe them, as she had spoken to him late the night before, so she asked what time it had happened. “Not long after midnight,” came the reply.

The Psychic Urban Legend
A girl and some friends went to a show put on by a “psychic medium” at a local theater. They didn’t know if they really believed in those sorts of things, but they thought it might be fun. Who knew, they might even get an insight into their future! One of their friends had been to see the same psychic for a private tarot card reading, and been told that she would find the man of her dreams and marry him within six months. As that’s exactly what then happened, maybe there was something to it after all!

It was a fun evening, if a little creepy at times, as the psychic seemed to be aware of things that only they and their loved ones knew. The psychic did a reading of the cards for the girl’s friends, writing something inside an envelope for each of them, and said that they could open them straight away or later at home. They all tore them open and read out predictions about marriage, heartache and great wealth.

Then the psychic asked the girl to come up to the stage and laid out the cards. She looked at her with a pained look on her face and claimed that something was stopping her from seeing clearly—had she lost a loved one recently? The girl replied honestly that she hadn’t. The psychic asked to read her palm instead and traced the lines on her skin, nodding solemnly. “I can see your future now, my dear; it’s all very clear.” She laid down her hand and handed her an envelope that she already had in her pocket. Her friends begged her to open it, but the girl pretended not to be too bothered by the whole affair, saying that she would leave it until she got home.

Once the evening ended, the girl bid farewell to her friends and drove home alone. She had pulled out onto a main road and was looking at the envelope lying on the passenger seat, thinking about what might be written inside, when she was startled by the blast of a horn and flashing of lights. A large lorry had missed the back of her car by inches as she pulled out in front. She breathed a sigh of relief and drove on nervously.

Eventually, she couldn’t resist the temptation any longer and leaned over to pick up the envelope. As she did so, the car drifted slightly over the white dividing lines of the road, just enough for a car coming from the opposite direction to smash into hers and shove it violently into the path of the following truck. She was killed instantly. When the firefighters arrived to cut her body out of the wreckage, they found a bloodied envelope on the floor. It made its way to her family, who decided to open it. The card inside said, “You have no future.”

Cow Head Urban Legend
A teacher in China was travelling with his students on a school trip in the mountains above the town where they lived. It was a long journey and the students, who had grown bored and restless, started to play up, so the teacher suggested that they should tell each other stories. He joined in and told them several spooky tales that soon kept them quiet as the night drew in. Then the bus driver asked him if he’d ever heard of a very old urban legend story known only as “cow head.”

The teacher looked shocked and went quiet for a moment. He told the driver that he had heard of the story but didn’t know how it ended. Besides, he had heard that it was too frightening for children. Some said that people who had merely listened to the tale had lost their minds, and there were even rumors that it had taken lives. The bus driver smiled to himself, but the children overheard their conversation and were soon clamoring to hear the “cow head” story.

The teacher reasoned that he couldn’t do any real harm, as he didn’t know the whole story anyway; he could make it up as he went along. He started to tell the tale of a government official who had arrived to take a census in a remote village in the mountains, many decades ago. The last census had suggested that there should have been several hundred citizens there, but the place was completely deserted. The only signs of life were the bones of animals scattered in the dust. The official found the place unnerving and travelled to the next settlement, a long way over a mountain pass, where he asked what had happened to the villagers.

They said that nobody knew for sure, but there were rumors that they went mad and ate each other during a terrible famine. The official called in colleagues from the government to investigate. Amongst the animal skeletons, they found the strange remains of a man with what appeared to be the head of a cow. Locals said that the man had seemed perfectly normal when he first arrived in the village, but he had brought a terrible curse down upon them.

At this point in the narration, the children on the bus started to cry and asked the teacher to stop telling the urban legend story. But something had come over him: he was no longer in control and he continued with the tale as though in a trance, staring dead ahead. The children were trying to cover their ears and some started to foam at the mouth. They attempted to move from their seats but their arms were pinned down by their sides. The teacher continued to recite the urban legend story with a blank look in his eyes, a tale that became more horrific with every word. The last thing the children remembered before they passed out was the look in their teacher’s eyes. When a passing driver came upon the bus many hours later, the teacher and all the students were still unconscious. It took days for them to come round but the teacher was found to be in a deep coma from which he never recovered. The bus driver was never seen again. None of the children on the bus who heard the cow head tale would ever dare to recite it, not even to each other.

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Re: What is Purchasing Department
« ตอบกลับ #12 เมื่อ: พฤศจิกายน 08, 2022, 04:07:10 PM »
Supernatural Urban Legend 4
Prime Real Estate Urban Legend
A large, pretty family house in Amityville, New York, has a secret and that’s why it has remained empty for decades, despite a local property boom. In 1974 a man murdered his entire family in that house, shooting his wife and three small children with a hunting rifle as they slept. At his trial the defense tried to get him declared insane, as he claimed that he was being controlled by strange voices in his head belonging to the previous occupants of the house, who had told him to commit the crime.

The experts, however, did not agree that he was mad. The jury convicted him of first-degree murder and he was given four consecutive life sentences, one for each life he had taken. The house lay empty for a year, as the family’s relatives couldn’t bear to even set foot in the place. They finally sold it way under market price to a young family from out of town, who had never heard about the murders. When neighbors finally told them, they pretended that they weren’t bothered, but certain things started to make sense, as they had been plagued with problems since moving in: the water ran red from the taps and mysterious foul-smelling black gunk oozed from the toilets. The father found strange marks in the door frames, which looked to him like the imprint of a small child’s teeth, but his own children denied any knowledge.

Each of the family members reported hearing the sound of music at night, from an unknown source, and, strangest of all, their youngest daughter became obsessed with a demonic imaginary friend that she described as a pig. The parents didn’t believe in ghosts, or anything supernatural, but the kids refused to go upstairs at night, so they called in a priest to perform an exorcism. They told themselves it was just to reassure the kids that the house was safe. The priest was relaxed and friendly when he arrived, but he became noticeably disturbed after blessing the upstairs rooms and left before performing a full exorcism. He told them that although the house was not haunted, on no account should anyone sleep in the third bedroom. They were sceptical, but they locked that door. The happenings continued, but the family were too proud to move—who would buy the place anyway? The final straw came when the young mother was woken by dark red liquid dripping from the ceiling of the bedroom, and the family moved out to a motel that very night. They had lasted six weeks. Nobody in the neighborhood was surprised; some had even commented on how the new owner looked remarkably similar to the murderer and joked darkly that he had escaped just in time to save his family.

Lake Ronkonkoma Urban Legend
Lake Ronkonkoma, in New York State, is an ancient and extremely deep lake that has been linked to many tragic stories. It’s often claimed that someone has drowned there every year as far back as records began. There was once a tribe of Native Americans living on the shores of the lake, at the mouth of a river, and a rival tribe was based on the opposite side. The princess of one tribe fell in love with the prince from the other, and once the elders found out, she was forbidden to even cross the river, never mind see her prince again. The two tribes had been warring for decades, and there was too much bad blood between them to risk a union.

Young love being what it is, the prince and princess took a dugout canoe one night and escaped onto the lake. They didn’t have a plan, but they wanted to be together. They had not been paddling for long when the wind suddenly grew into a monstrous storm, and the surface of the lake was whipped into great waves. They held onto the canoe for dear life as the water around them surged into a foaming whirlpool, and they were dragged down to the bottom of the lake in a tragic embrace. Afterwards, the elders told the youths of both tribes about the pair, explaining that the lake spirits did not agree with the union and that was why they had taken those young lives.

Despite the stories associated with it, the beautiful lake still draws young people to its shores every summer. They paddle boats out into the middle and dare each other to dive into the cool waters. Every year someone fails to surface—always someone who is in a loving relationship—and the body is never recovered. The urban legend story goes that they are cursed by the tragic Native American princess, who, jealous of her victim’s happiness, drags them down into the depths.

The Black Lady of the Woods Urban Legend
A local newspaper in Lincolnshire, England, published images taken by a girl who had been walking with her cousin in woods near her home. She told the paper that they had been playing around with her camera in the dark, taking pictures of her cousin, who was an aspiring model, and didn’t see anybody else around. But when the girls looked at the photographs a couple of days later on a computer, they saw that they had captured strange shadows in the trees: the floating figures of mysterious people and ghostly faces in the darkness. The girls didn’t really believe in ghosts, but after a little research on the history of the woods, they knew exactly what they had captured: the Black Lady of the Woods.

Hidden in the undergrowth is an abandoned stone cottage near a pond where, in the seventeenth century, a poor gamekeeper lived with his wife and son, or so the urban legend story goes. After the outbreak of the English Civil War he was forced into fighting for his master, who supported the king, and marched off to battle. He told his wife that he would return within six months, but he never did, and she took to wandering the woods to look for him.

One Christmas, a band of Roundheads fighting the king rode through the forest on horseback. Identifying the land as enemy territory, they claimed the wood and everything in it, including the gamekeeper’s cottage. They stole everything the wife had, including her young son, and burned the house. It was said that the woman died of grief and, from that day on, people have claimed to see a lady—hunched over and crying, dressed in a black cloak and hood—wandering the woods, looking for her missing husband and child. It’s believed that she can still be seen in the forest to this day, and if you walk in the woods at Christmas time and utter the words, “Black lady, black lady, I’ve stolen your baby” three times, she will appear in front of you.

Betsy’s Voice Urban Legend
Boy Scouts on camping trips tell their rookie recruits a urban legend story that dates back to the early days of scouting after World War Two. In a forest surrounding an abandoned airfield, there was an old house where Scouts would play hide-and-seek. The place had been bought cheaply by a young couple, Betsy and her husband Johnny, before the war. They hoped to renovate it and make it their perfect family home.

Betsy was an aspiring singer whose career was cut short by the outbreak of the war. She was driving down the track from the house one night, when a truck full of soldiers coming back from the pub came the other way. They were making a racket, completely inebriated, and distracting  the driver. He took his eyes off the road for a moment to tell them to pipe down, just long enough to veer into Betsy’s path, crashing head first into her car and killing her instantly. Her body was so badly disfigured that the police wouldn’t let her husband, Johnny, say goodbye to her. She was identified only by the large diamond ring he had given her, a family heirloom. Johnny buried the ring with her, devastated, and moved to another country, letting the house go to ruin.

Many years later the house was discovered by a group of Scouts on a hike through the forest from their camp. It seemed like the perfect place to light a campfire, play games and tell creepy stories. But it was not to be an idyllic Boy Scout adventure. The first thing they noticed was a female voice joining them in songs around the fire, which was odd because back then girls weren’t allowed in the Scouts. Above the crackling of the flames, they heard her again, and it sounded as if she was inside the house. Finally, they saw her, initially looking out of the windows and then walking round the campfire: a terribly disfigured girl in a pretty dress. And then Betsy was gone.

The next morning one of the boys could not be woken. His mates were horrified to discover that he was dead, and the only signs of any injuries suffered were some nasty scratches on his face. “Betsy did it!” cried one of the boys, when he saw the body and, after some coaxing, he recounted what had happened in the night.

Betsy had returned to pay the lads a visit in the small hours and woken two of the boys with her singing. She asked them one by one if they thought she had a beautiful voice. The first boy had been too scared to answer and an angry Betsy slashed him across the face with her diamond ring, saying that once he fell asleep, he would never wake up again. Then she asked the other boy the same question and, without hesitation, he told her that she did indeed have a beautiful voice, so Betsy smiled and disappeared into the woods, singing all the way. The terrified boys tried to stay awake, but eventually they both fell asleep. Only one of them awoke in the morning. To this day Scouts are told to listen out for Betsy around the campfire and tell her what she wants to hear; she always wanted to be a singer, but she never liked critics.

Milk Bottles Urban Legend
Two old men ran a general store in a small town in the American urban legend Midwest. The Depression had hit and business was hard: the customers stopped visiting and soon only a few regulars were keeping them afloat. One day a young woman dressed all in white entered the store, carrying an empty milk bottle. She placed it on the counter and one of the men filled it with milk from the churn, asking for ten cents in return. The girl, who had a sad look in her eyes, did not reply; instead, she picked up the bottle and quietly left the store. The man was too surprised to say anything and when he followed her out of the shop, she was nowhere to be found. He went back inside, muttering to himself that she was probably a migrant from the city who didn’t know how things worked out there.

He told his partner what had happened and to watch out for her. The next day she returned, again carrying an empty milk bottle. This time he told her that he knew that times were hard, but she had to pay like everybody else. He filled the bottle from the churn, but again she ignored him and walked out with the milk. On this occasion, however, the two men were ready, and they followed her through the town. She moved quickly, and they could barely keep up, but they saw that she headed for the church and stopped in front of a gravestone, where she disappeared.

The two men couldn’t believe their eyes, but they figured they couldn’t both be seeing things. Then they heard the sound of a baby crying close by, but they couldn’t see anybody. They realized that the noise was coming directly from the gravestone where the woman had vanished into thin air. They returned with shovels from their store, informing the sheriff on their way, and as they dug into the grave, the crying got louder. When they lifted the coffin out, they found a live baby inside, next to the woman from the store, who was clearly dead, and two empty milk bottles.

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Re: What is Purchasing Department
« ตอบกลับ #13 เมื่อ: มกราคม 18, 2023, 12:05:01 PM »
American LNG exports are surging, on the back of European demand

These are boom times for America’s  Liquified Natural Gas industry. Right now, producers can’t fill LNG  carriers quickly enough for the export markets of Europe and Asia. We're cooling it, cleaning it and liquefying it so that it can be stored and transported across the world. We have a very large arbitrage between Europe, Asia and the US. 10 dollars US gas, you know, 60 to 80 dollars international gas, that's a lot of money. If anybody would have told any of us up to very recently that we would see these levels of prices and this amount of tightness in the market, we would have shrugged that off.

Although not everyone’s happy about this sudden rise in global demand for American LNG. They're driving up the price of what it costs us to heat and cool our homes, because they want to take the natural gas and ship it overseas and make 10 times as much as they could selling natural gas in the United States. America’s exports of LNG have risen dramatically in recent years and last December, it  became the world’s biggest exporter of this super chilled fuel for the first time, topping Australia and Qatar. That’s despite a sharp drop in demand during the pandemic, which cast doubt on future investment in America’s LNG industry, especially as  government efforts to combat climate change seemed to dim the outlook for fossil fuels. We can and we will deal with climate change. It’s not only a crisis, it’s an enormous opportunity, an opportunity for America to lead the world in clean energy. Yet this year’s energy crisis, exacerbated by Russia’s invasion of Ukraine, has spurred a dramatic turnaround, and output, measured in billions of cubic feet per day, or bcf, is once again climbing.  I can remember back in 2008, production was   at 55 bcf. Today, it's at 97.5, by the end of the year it'll be 100 bcf, next year it'll be 105. And we grow from there.

The gas is very much there and available, if we can get it to the seashores. The Gulf Coast around the Texas -  Louisiana border is the heart of America’s LNG export industry. The enormous Sabine Pass facility, where natural gas is processed into LNG, ready for shipping, is just one of several near here. Its owned by Cheniere, the nation’s largest LNG exporter. We use a process that makes it sweet,  dry, clean, lean and cold. So sweet, we remove the acids, any CO2 or H2S. Dry, then we remove any moisture. Clean, we remove any mercury that can potentially contaminate the downstream products.

Then we make it lean, we remove heavy hydrocarbons and finally cool it down, so it's liquid at atmospheric pressure. The natural gas is transformed into  liquid by chilling it to a temperature of about minus 162 degrees celcius. The LNG created occupies just 1/600th of the volume of natural gas, a huge advantage when it comes to transportation Most of Cheniere’s output is contracted to its customers, utilities, energy traders and oil majors, for the next decade plus. Those providers will route ships to the areas of highest demand. We saw that in Asia in the back half of last decade, Latin America a little over a year ago when it had extreme droughts. And now of course, as Europe has become the way we refer  to it as ‘the market of most need’. Reflecting a broader trend across the US LNG industry, over 70 per cent of the volume produced at Cheniere’s facilities this year has gone to Europe, about twice last year’s level. With output currently near maximum, a wave of approvals to build more LNG facilities like this one have been granted. But for some, in a region that faces the annual threat  of hurricanes, that’s a real concern. We currently have three LNG facilities here that export the natural gas in southwest Louisiana, and they have plans to put seven more. Really just insanity to try to place these facilities directly in the eyes of storms that keep coming.

At this press conference they’re calling for a halt to the LNG expansion needed to satisfy global demand, and not just because of the hurricane risk. Though a former oil industry worker himself, James Hiatt believes LNG’s contribution  to global warming is being ignored. I really feel for the Europeans. deeply, you know?  I think what the best option would be is to really invest in a transition in solar and wind. And yes, it's not the perfect solution today, but it will cut the dependency and the need for such a huge amount of gas. We will have to transition at some point. Why are we delaying it except for the profit margins of these companies? Natural gas consists largely of methane, a potent greenhouse gas. But when it comes to emissions, advocates argue LNG is the cleanest fossil fuel, as it produces 40 per cent less carbon dioxide than coal when it’s burned, and 30% less than oil. It emits negligible amounts of sulphur,  mercury and particulates. Cheniere says its introduction of greenhouse gas emissions data for each of its LNG cargoes is evidence of the company’s enhanced  environmental transparency. We are going to continue to be secure, affordable, reliable, and have the leg to the stool that is our climate commitment that we think will ensure natural gas's role in the energy transition for decades and decades.

President Biden certainly seems convinced. In March he promised to ramp up LNG  exports to Europe, arguing increased energy security for allies is compatible with his ambitious net zero climate goals. That long-term commitment is vital  for companies like Cheniere, whose multi-billion dollar facilities typically  require up to 20 years of guaranteed contracts to see a return on investment. And, though Europe is the priority market now, the future of American LNG may well be  tied to another continent entirely. Europe has 12 per cent of its energy needs met by coal. Asia has 46 per cent of its energy needs met by coal. So over the longer term, all of that coal is up for transition and the US very much has a role to play. For campaigners like James Hiatt though, a transition to LNG is no solution at all. We're just delaying the inevitable. We will run out of fossil fuels. Environmental campaigners may want the dependency on gas reduced immediately but that’s not happening this year. American LNG has helped alleviate massive disruption to Europe’s gas supply and if exporters are right, tankers like this will be sailing  to global markets for many decades to come.

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Re: What is Purchasing Department
« ตอบกลับ #14 เมื่อ: มกราคม 18, 2023, 12:07:42 PM »
100 Tips to Save Money Every Day

Being able to save money month after month is a habit that you must forge if you want to have a successful finances. In fact, saving is the first step to financial freedom.

There are many ways to start saving without necessarily sacrificing yourself. It's more about adapting to a more conscious consumerism, keeping our financial priorities clear.

The way we spend is a reflection of our values and what we consider important in our lives. If you are clear that you buy your money for real, making cuts to save should not be a problem. Cut back on what you feel does not make you happy or is of no use in your life.

There are many ways to start saving depending on your life priority, which is why I have divided these saving tips into categories to make it easier for you to decide where you want to start saving.

BUDGET TO SAVE:
1. Always have a budget for each month. A budget is the way to tell your money where it should go before you start spending it.
2. Let savings be the first thing that is debited from your salary. Automate this payment each month with your savings account.
3. Set a clear , short-term goal. Go month to month. Here I show you how to establish your savings plan.
4. Start by saving a small amount. They can be $ 10 or $ 20. The important thing is to create the habit . A good system is the 52-week challenge, where you start saving a small amount of money and gradually increase the amount.
5. Create a savings system that works for you. You have your own particular way of doing things, different from others. Try the savings method that suits your personality first and see if it works over the course of a month.
6. Don't save to save, save because you plan to do something with your money. When you have your plan, call it "saving for ...": studying, traveling, paying debts, etc.
7. Always have a shopping list with you to avoid buying what you don't need. Sometimes your memory plays bad pasts on you so always write what you are going to buy. Organize that list in order of importance, first what you need most and then what you can expect. This will allow you to be more aware of your priorities when it comes to spending, postpone purchases that are not urgent and distribute your money in a more equitable way. Important tip: buy only what is on your list.
8. Pay in cash . If you have a credit card, don't go out with it. Cards in general create the illusion of not losing money. When you pay in cash you really see how the money goes out of your hands so it is easier to control expenses.
9. Limit the temptation to spend out of your budget with an allowance. Allocate a percentage of your salary to spend on what you like, either weekly or monthly, in this way you enjoy but without harming your finances.

CREATE A CHALLENGE TO SPEND LESS:

10. Create a month without expenses, I mean a month where you only spend what is necessary.
11. If you find it too difficult, try weekends or entire weeks at no cost.
12. Choose a certain product that you are not going to buy for a certain time. If you are a compulsive person to buy something, then start this challenge. The money you spent on it you can save.
13. Postpone your shopping. If you're really tempted to buy something, save it for another day or apply the 48-hour rule. You will discover that after this time you have forgotten or you have lost the desire. With this you learn to control your emotions and do not allow them to control your decisions. It's like when you have a fight with your partner and in order not to offend her, you prefer to speak when the mood has calmed down.
14. Stay away from your spending triggers. Cancel your subscription from all the places or web pages that encourage you to buy. Delete your username and password and the history of the page.
15. Reduce your time on social networks as they encourage you to copy other people's lifestyle and ambition more than you need. If you did my challenge for a month without expenses, you would realize how little you need to be happy.
16. Reduce your cell phone plan.

MAKE MORE MONEY:
17. Try to earn more money. The best way to grow your savings is by generating more income. You can start by selling items you don't use, working overtime, renting a room in your house or giving private lessons. There are many options, choose the one you like the most.
18. Stop accumulating items and sell what you no longer use. Having more stuff doesn't make you richer. Sell the clothes, appliances and belongings that you do not use.
19. Negotiate the prices of what you buy. In our Latino culture it is a normal habit. Don't feel sorry and offer a lower price, any discount is a sweetheart for your wallet.

20. Check your bank accounts and see what extra expenses your bank is making. If you see that your type of account charges you too much, find out how another type of account you can have or how you can reduce these charges. For example, when reviewing what they charged me in a year I almost fainted. When I went to the bank, they offered me a type of account that does not charge for debit card maintenance but for ATM withdrawals. Since then I make only one withdrawal per month and I have been freed from monthly maintenance costs.
21. Rent a room in your house, the garage or your car.
22. Share your car with other people and charge the "fare".

SAVE MONEY ON PURCHASES:
23. Avoid shopping in season. Shop before or after special dates to take advantage of discounts, bad last-minute decisions, crowds and overall stress.
24. If you are going to buy something you need, look for promotions or discount dates. You can also use coupons.
25. Don't buy when you're under stress, worried, or upset just because you feel better.
26. Always compare prices and don't buy in the first place you see.
27. Cash purchase. Do not pay in installments or using the credit card. In addition, you can receive a discount for paying in cash.
28. If you prefer to pay with your credit card for the points or miles you accumulate, make purchases at a single installment so as not to lose money on interest.
29. Buy in online stores. Some are cheaper. They save you time, stress, being tempted to buy what you don't need.

SAVE MONEY ON FOOD:
30. Based on your weekly menu, have a shopping list. Never go out without your list: you will end up buying what you don't need and going to the supermarket many times.
31. Don't go to the supermarket for just an item or two because you end up buying on impulse or on a whim what you don't need.
32. Eat more natural and less processed foods.
33. Avoid fast foods and constantly eat at restaurants.
34. Budget what you eat at home and outside.
35. Find the cheapest supermarket in your area. Personally, I prefer market places because their products are cheaper (since there are fewer intermediaries and the rents paid by locals there are lower).
36. Eat less meat and more plant protein. Legumes (beans, lentils, chickpeas, peas, etc.) are a great protein if you combine it with a cereal (rice, oatmeal, quinoa, etc.)
37. Immediately freeze your leftovers for any other day (that you don't want to cook).
38. If you have a large family, try to buy in large quantities or where they sell wholesale.
39. If you must eat at work, pack your food either lunch or snacks.
see also more tips to save on Groceries

SAVE MONEY ON HOBBIES:
40. Download free books on the internet.
41. Visit the nearest library and read their books.
42. Go to the movies on discount days.
43. If you like liquor, look for Happy Hour at your favorite bars.
44. TAttend free cultural events in your city such as art exhibitions, concerts, or tours.
45. Go on an ecological walk or bike through the green areas of your city.
46. Drop cable TV. Head over to Netflix (zero commercials) or dedicate yourself to reading more.
47. Turn your hobby into a business: sell your crafts; advises others on how to dress well; play your guitar in local bars etc.
48. Go on vacation or visit tourist sites in low season.
49. Make a potluck with your friends. Each person must bring a plate for all the guests.

SAVE MONEY ON BEAUTY:
50. Buy generic brands. Some offer the same benefits as expensive maraca products.
51. Use more natural products. The kitchen is a great source of beauty products since your skin is a second mouth.
52. Buy a large jar of virgin coconut oil. It serves as a hair treatment, cream for the body, hands and face, epilator cream, makeup remover, intimate lubricant, cream for breakouts as well as being used in the kitchen.
53. Make a spa at home with natural products.
54. Do your manicure and pedicure at home.


SAVE MONEY WITH PEOPLE:
55. Stay away from people who motivate you to spend just to satisfy the pleasure of the moment. Instead, surround yourself with people who share your interests and who understand your priorities.
56. Discuss your savings goals with the most important and closest people to you.
57. Talk to your partner and children about the importance of saving and set goals together.
58. If you have children and you go out with them, explain to them before leaving home that they are not going shopping and what is the purpose of the outing.
When you prepare your son for what is coming, he will be more clear about how he should behave (I told you, I was a primary school teacher). Remember not to give in to his tantrum and constantly talk to him about the difference between luxuries and necessities.
59. Spend more time with your children instead of buying more toys or electronics to compensate for your presence.
60. Have free dates with your partner: a glass of wine watching the stars, a walk through the city, a night of massages, etc.

SAVE MONEY MINIMALISM:
61. Buy what you need and you are really going to use it. Give what you buy a shelf life instead of just buying.
62. Exchange objects such as books, music, accessories or clothes that you do not use with your acquaintances or friends.
63. Buy good quality products that last a long time.
64. Have a combinable closet . Handle certain basic clothes. This will save you money and time when dressing.
65. Have as few appliances and objects at home as possible. Stick with those that are useful for various purposes.
66. Live in a smaller place, especially if you live alone or with a partner.
67. Keep your house tidy and free of unnecessary objects and you won't need to pay someone else to clean it.
68. Repair the objects or clothes that still work instead of rushing out to buy something new.
69. Think that what you have does not define you . He aspires to be instead of having.

SAVE MONEY HABITS:
70. Analyze what makes you happy. You will see how your expenses are reduced.
71. Live healthy and exercise frequently. It saves you money on medical treatments and focuses your mind on the positive.
72. Be very clear that it is on your list of needs and wants.
73. Write what you want to do with your money and how you want to get the most out of it. When you have your goal clear, you save on useless expenses that are not in accordance with your life project.
74. Turn off the TV , this reduces the time exposed to commercials and all kinds of shopping triggers.
75. Get together at home with friends, instead of going out frequently.
76. Do not compare yourself with others. Just because someone has more than you does not mean that they are happier or live better. There will always be someone who has less or more than you.
77. Every weekend, schedule your expenses for the next seven days.
78. Check your budget constantly.
79. Check your utility and bank invoices in case of errors or excessive charges for expenses that you have not related.
80. Keep the bills to pay in a visible and orderly place so you don't forget to pay them on time.
81. Use a piggy bank to save change or turns. You will be surprised at how much you can save.
82. Before buying ask yourself: Do I need it or want it? Do I have something similar at home that fulfills the same function?
83. Think positive about money , trust that you can be part of the abundance that exists in the universe.
84. When you get extra money , save it instead of rushing out to spend it.
85. Cut your bad habits like smoking, drinking, buying the lottery or any addiction you have.

LEARN ABOUT MANAGING YOUR MONEY:
86. Read more about personal finance.
87. Listen, read, and talk to people who are good at handling their money.
88. Visit your bank and ask about the different savings accounts they have and how you can earn some money with them.
89. Automate the payment of your invoices and what else you can so that they are deducted from your bank account.
90. Join Facebook groups whose theme is saving.

SAVE MONEY WITH INSURANCE:
91. Have good health and car insurance. When emergencies come, you won't have to sacrifice your savings or go into debt.

SAVE MONEY WITH DEBTS:
92. Seek to refinance your debts and achieve a lower interest . You can also collect all your bank debts in one to save money, reduce time and create payment facilities.
93. Pay off small debts quickly. Then, the money you used in them, use it to pay your major debts.
94. Or for your biggest debt first since you save money on interest.

SAVE MONEY WITH TAXES:
95. Pay your taxes on time to avoid charging interest. When you pay before the deadline you can earn a discount.

SAVE MONEY WITH TECHNOLOGY:
96. Download document editor from google drive instead of paying for Microsoft.
97. Buy technological devices according to your needs, not mega machines that you only use to surf the internet.

SAVE MONEY WITH HOME:
98. Don't have 20 toiletries at home. Have a multipurpose one, vinegar or bleach are enough
99. Fabric softener is not necessary. Choose your laundry soap better, it is enough.
100. Maintain your appliances properly.

see also finance and business knowledge

 

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