Believe it or not, a Christmas tree won't stay upright on its own. Instead, you need a stable Christmas tree stand that can accommodate the type and size of tree you have. We researched dozens of the best Christmas tree stands to help you find the right one for your needs, whether you have a real tree, an artificial tree, a small tree, or a behemoth. The stands in our guide have a track record of durability, performance, and easy setup. We also outline the size and type of tree each stand is meant for. Check out our guide to the best Christmas tree skirts once you've chosen the right stand for your tree. The best Christmas tree stands in 2022 Best Christmas tree stand overall: Krinner Tree Genie Christmas Tree Stand, available at Amazon, $82.79 The German-engineered Krinner Tree Genie Christmas Tree Stand is easy to set up in a couple of minutes and keeps trees up to 12 f...
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You Should Automate Your Financial Goals
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Photo: Prostock-studio (Shutterstock)
As with any type of resolution, actions speak louder than words when it comes to achieving your financial goals. Making personal finance progress requires taking concrete steps, which can spell the difference between a vague “I want to save more!” and the more substantive “I am going to max out my Roth IRA this year.”
Luckily, while there’s no way to automate your gym workouts, it’s far easier to set and forget your money-related resolutions. Here are some of the types of financial goals that you can automate, so you can set yourself up for monetary success in 2023.
How to automate your financial goals
Many finance-related goals can be at least partially automated, meaning as long as you clearly identify what said goals are, they can become a guaranteed resolution win. You likely already have set up auto-payments for bills like your rent, utilities, insurance, and credit cards. But if you don’t already, you should also automate contributions to your savings and investment accounts:
Setting up auto-pay is simple to do online, and is usually just a matter of signing in to all of your accounts and finding the right menu. But once you do, it’s time to get specific with it: Decide how much to automate and when those payments should go through. We recommend spacing out your auto-pays so that your bank account doesn’t take one big hit on the first of the month, every month.
Here’s an example of how to stagger your automated payments from Ramit Sethi, author of I Will Teach You To Be Rich:
On the second of the month: As soon as your paycheck is direct-deposited into your checking account, a portion of your salary (around 10%) immediately goes your 401(k).
On the fifth of the month: A recurring contribution transfers from your checking to your savings account and to your Roth IRA. (Note: To max out your Roth IRA in 2023, you can contribute roughly $542 every month).
On the seventh of every month: Your credit card and other miscellaneous bills auto-pay goes through.
After the scheduled auto-pay date, check in to confirm the transactions occurred as planned. Internalizing the dates and amounts of your payments will help you stay alert when you’re glancing over your recent transactions for discrepancies. Because while most automated payments make your life easier, be aware that some might cost you in the end.
Make saving easier by spending less
The flip side of “save more!” is always going to be “spend less!” If you examine your last 90 days of spending, you’ll probably find you can cut back on areas you don’t even realize you’re wasting money (overlooked subscriptions come to mind). It also helps to get on top of your unconscious spending with tricks like physically writing down the things you want to buy before you buy them. When it comes to personal finance, often the simplest actions are the ones that will help you gain control of your money.
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Stored procedures: like functions for your SQL. A stored procedure is a batch of SQL statements created and stored on a database. You can reuse a stored procedure over and over again. A stored procedure can accept parameters, run a query, and return results. Many users can call a stored procedure and different applications can call it with different parameter values. What Are the Benefits of Using Stored Procedures? Apart from allowing multiple users and applications to reuse it, a stored procedure has other benefits. It is easy to modify. You can change a stored procedure when necessary and these updates will be reflected for all users. Furthermore, you don’t need to redeploy your application when you modify the stored procedure. It reduces network traffic because the server only passes the procedure’s name over the network and not the entire query. It improves database security since users don’t have direct access to tables. To make...
Believe it or not, a Christmas tree won't stay upright on its own. Instead, you need a stable Christmas tree stand that can accommodate the type and size of tree you have. We researched dozens of the best Christmas tree stands to help you find the right one for your needs, whether you have a real tree, an artificial tree, a small tree, or a behemoth. The stands in our guide have a track record of durability, performance, and easy setup. We also outline the size and type of tree each stand is meant for. Check out our guide to the best Christmas tree skirts once you've chosen the right stand for your tree. The best Christmas tree stands in 2022 Best Christmas tree stand overall: Krinner Tree Genie Christmas Tree Stand, available at Amazon, $82.79 The German-engineered Krinner Tree Genie Christmas Tree Stand is easy to set up in a couple of minutes and keeps trees up to 12 f...
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