Tampilkan postingan dengan label needs. Tampilkan semua postingan
Tampilkan postingan dengan label needs. Tampilkan semua postingan

Sabtu, 23 April 2016

Your Financial Goals Needs and Wants

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Ive been posting every month since May about my monthly income. You can check out Augusts here. I know yall love seeing how much I make and where, working only about 20 hours a week. There are writers who make double what I make in the time I work and there are writers who make half. We are all different.

As I get ready to post Septembers numbers, I wanted to take a moment to ask you about YOUR financial goals. Not your writing goals (like: I want to get published at XYZ magazine; I want to get out of the content mills, etc.), but your financial goals.

Are you writing to feed your kids? Are you writing to save for a Camaro? Are you writing to send your kids to do things they love, like for me its gymnastics classes. Also we are trying to remodel and need the money for that. My husbands income takes care of our necessities, but my income pays for extras, like the trip to SeaLife Aquarium and to Powell Gardens and for any mini vacations we might be able to take. And unexpecteds like lawn mowers breaking! And Christmas is just around the corner!!!!!!!!!!!!
Our trip to Powell Gardens last week in Kansas City

Do you want to make $100 per week for fun money? Or do you NEED to make $500/week to survive?

I hope some of my ideas help you to reach your goals. Theres plenty of work to go around! Id love to hear from you and support you!
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Minggu, 03 April 2016

5 What the Owner Operator Needs to Know About Equipment

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2001 Kenworth T600






Information About How to Become an Owner Operator


5) Equipment





See my other posts:


A Holiday Wish
The Way it Was - A Short History of Trucking
Pro and Cons of Being an Owner Operator
FAQ for the Owner Operator
Pictures
Anti-Idling Regulations
Definitions and Industry Terms
Blackrock Auxiliary Power Unit (APU)
Interactive Cost per Mile (CPM) Calculator Spreadsheet
Privacy Policy
1) Owner Operator 411 – Welcome
2) Income and Expenses
3) Financing and Credit
4) Operating Authority or Leasing?
6) How To Do Bookkeeping and Other Necessary Paperwork
7) What You Need to Know About Loadboards
8) Companies That Lease Beginning Owner Operators
9) What You Actually Need to Get Started - Licenses, Permits, Insurance, and Taxes
10) Truck Driving Schools


There is one more thing you need to decide before you apply for a loan (assuming you have read my previous posts): what kind of freight do you want to haul?

This will determine what company you can lease to (all companies dont haul all types of freight) and what kind of equipment you will need. If you are buying your own trailer, then you need to know what kind to buy based on what you will be hauling. For example, do you need a refrigerated trailer (reefer) to haul food, a dry van for general freight, a flatbed to haul steel, or a drop deck or goose neck to haul equipment?


Even if you dont buy your own trailer, knowing what you will be hauling will determine how to spec your tractor. If you are going to be hauling heavy loads, you need to spec a tractor with heavy duty suspension and a big motor. If you are going to be hauling mostly light loads, you might be able to get by with a tractor with a smaller engine or lighter suspension. Also, the type and length of trailer might determine the length of the wheelbase of your tractor. What you are planning to haul will definitely decide how much your tractor can weigh.

Deciding what you will be hauling will also tell you what other equipment you need to buy. If you are going to pull a drop deck or goose neck, you will need chains, tarps and binders. If you are planning on pulling a flat bed, you will need all of those things plus a side kit. If you pull a dry van, you most likely will need load jacks.

When you are deciding what you are going to haul, dont forget to think about the physical side of what you choose. If you are going to be pulling a flatbed, you will have to be outside in all types of weather chaining and tarping your load. If you want to pull a reefer, you may be required to unload it, which means you will be working in very low temperatures, regardless of what the outside temperature is.

When you spec your tractor, there are several factors you need to need to consider. Will you be making long or short hauls? If you make long hauls, you will probably want to spec a sleeper. You dont want to spend all of your money on motels, and besides, there are a lot of times when you have to spend a night on the road and cant get to a motel.

What kind of engine do you want and how much horsepower do you want? The three major engines are Cummins, Caterpillar, and Detroit.

You need to decide what size tires you want, and what kind of a transmission and how many gears. Today, you can get a semi with an automatic transmission! Definitely a far cry from the old days when many trucks had two sticks (two gearshifts).

Modern trucks have power steering, ABS brakes, heat and air conditioning. They have big comfortable seats and privacy curtains. The beds are large and comfortable and some have a couch, and some have two beds. Most have closets and storage space. You have to decide what you need, then decide how much of what you want you can afford.

Other equipment you will need is a CB radio, gloves, coveralls, fuses, flares, a fire extinguisher (mandatory), tools, oil, fuel, and water filters. You should also carry oil, grease, and anti-freeze.

Optional equipment you may want is a cell phone, a satellite radio, and a TV. If you are planning on being gone from home a lot, you might want to consider buying an inverter. Then you can buy a coffee pot, a toaster and a microwave, and save yourself a lot of money on meals. 

A note about meals: When you file your taxes, the IRS lets people who are in the transportation industry and those who are regulated by hours-of-service rules (see "Income and Expenses") deduct meals differently and at different rates than everyone else. See an accountant or tax preparer for details. To simplify a very complicated rule, basically you can flat-rate your meals for every day you are on the road long enough that you are required to take a sleep break, even if you dont eat a thing, or spend a dime. Of course with the IRS, there are 40,000 ifs, ands, ors, and buts, so be sure to check it out with a tax professional or preparer.

An auxiliary power unit (APU) is becoming a must have. These range from about $6,000.00 to $10,000.00. What is an APU and what does it do? Basically, it is a generator. It is used when you are not driving to eliminate idling. Why is idling necessary? If you have to sleep in the truck in the winter or summer, you will probably run your truck so you can have heat or air conditioning. It is hard to sleep when it 25 degrees or 118 degrees in the sleeper.

With an APU, you can heat or cool your cab without running you truck. This is very important, as an APU can reduce your fuel consumption by about 75 %. Yes, I said 75%. Instead of using a gallon of diesel an hour idling, you use a quart with an APU. Not only is this important for your bottom line, but more and more cities and states are making anti-idling laws with fines ranging from $50.00 to $25,000.00 and/or up to 1 year in prison, for idling your truck.

Sometimes the idle time allowed is as few as three minutes. These anti-idling laws were written to reduce noise and air pollution. 

Click here to go to an: Anti-idling Regulations Chart
To view this chart you need Adobe Acrobat Reader

The cost and age of your equipment can affect the costs of your license plates and insurance.

As you can see, it is very important to decide on your equipment before you make a commitment. Once you have bought that $40,000.00 used truck, it is very hard to change to another truck if you find you dont like what you bought.

Although you will never know exactly what it is like until you actually do it, you need to ask questions of other drivers about their equipment, and what they like and dont like about it. If at all possible, go out on a load with someone. Volunteer to help them load/unload to get a feel of what it is like. The more you know before you buy, the better off you will be.

What make of a truck should you buy? That is up to you. Just a some people wouldnt own anything but a Chevy, some people wont own anything but a Volvo.

Any make of truck, if specd correctly, will do the job, it is a matter of personal preference and how much you can afford to pay.

The most popular trucks are Peterbilt, Kenworth, and Volvo. Other popular truck makes are: Freightliner, International, Ford, Mack, Sterling, and Western Star.

Anything with a Gross Vehicle Weight Rating above 33,000 lbs. is a "Class 8" truck.

Good places to look for a truck (new or used) are "The Truck Paper" and "Truck Trader". If you have cash and are very familiar with trucks, good deals can sometimes be found on eBay.



Next post: How To Do Bookkeeping and Other Necessary Paperwork


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I am sorry I have to do this, but due to spam "comments"  I feel I need to moderate comments from now on.
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5 Things Apple Needs to Do to Improve Siri five drawbacks of Siri

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5 Things Apple Needs to Do to Improve Siri || five drawbacks of Siri
5 Things Apple Needs to Do to Improve Siri || five drawbacks of Siri

One of the most amazing app which discussed in this article is Siri. iPhone users familiar or even know about this app name because in 2011 Siri, the virtual personal assistant introduced on the iPhone 4S. This awesome app uses speech recognition, artificial intelligence, and tight integration to the phones built-in apps to create a "personal assistant" to perform a multitude of tasks for you. This amazing app make work very easy and even you just speak and your whole work done in seconds. Siri is most interesting app than any other apps introducing till now because of its unique features like if you plan to go in meeting and you want weather update you just asked whats the weather report today this amazing app brings whole result from weather forecast and provide you perfect result but if you do same question with other Voice recognition apps then they only bring result from your calenders weekly updates. So in simple words the best use of Artificial Intelligence in Siri and this is one of good example of Artificial Intelligence as well as Speech Recognition App.
But today in this article we will discussed what Five Things which Apple Needs to Do to Improve Siri because nothing could be perfect so everything need to improve.

1. Alternative Voices
If you asked me about the iPhone 4s app Siri then i have nothing against Siris, but it would be cool to be able and use alternate voices and give iPhone 4S a more unique.  Apple needs to have voices like TomTom does, so just having some alternate voice options would be nice and make it more convenient. Siri would be cool to have other famous AI voices like HAL and GlaDOS.

2. Multilingual
If we see the Siris multilingual skills then we see it has some amazing multi-linguistic skills, but these skills also not enough. As we take example of the United States version of iOS 5 running on many iPhone 4S which lets you choose between English (United Kingdom), French, English (Australia),  English (United States) and German. If take the general view then we come to know the German-speaking or French-speaking citizens in the United States is lower than other populations such as Spanish-speaking so its necessary that siri provide multi-lingustic skills which supports other languages.

3. iPad 2 Support
If you are iPad 2 user then you know that iPad 2 didnt get Siri. Why? No ans. If we compare it with smartphone features then we can say that the iPhone 4 didnt get Siri because the lacks of dual core processing horsepower of the iPhone 4S. But this argument doesnt hold against dual core processing iPad 2.

4. Deeper Integration
Another thing which apple need to improve in Siri is that Siri cant open apps, and it cant take pictures. It will let you dictate a text message, but not a Twitter tweet or a Facebook status update. As everybody know this isnt all Apples responsibility but Apple just needs to have the APIs which allow third-party developers to tap into and integrate with Siri. So in this way the working of Siri is more than anyone can think.

5. Default security
Security is all time hot topic in the world of technology. As Apple has included an option with Siri which lets you access the power and capabilities of the personal assistant without unlocking the phone. The default functionality of Siri while the iPhone 4S is locked and the problem is if you can pick up the phone and send a text message or any other thing so anyone can who picks up your phone so same functionality by using Siri. The bigger problem is that Apple leaves this option on by default as the choice available, but by deafult it should be turned off. 

But in short "Siri is great, but it could be better"

Aslo Read: Top 10 Best Voice Recognition Software & Tools in 2014
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