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The new year should be about no longer wasting money. And you should start with car insurance.
In this article, we’re going to present several ways that you can lower your car insurance rate.
We’ve done the research for you so all you have to do is get ready to save money.
How To Lower Your Auto Insurance Fast
You can be successful in lowering your car insurance by looking at your personal situation.
Car insurance companies penalize drivers under age 25 because they rely on statistics and reports that say that motorists younger than that age are responsible for the most accidents, but the truth is that they feel those drivers are more likely to be helped by their parents.
Drop Full Coverage On Your Older Vehicle
If you own an older model, you don’t have to pay for comprehensive and collision insurance, also known as full coverage.
It’s very possible that you can get by with just liability insurance once you’ve paid off your car note. The savings can be as much as 70%!
Maintain Good Credit
One of the ways car insurance companies determine your rate is by looking at your credit score. A poor score will have you paying more for auto insurance.
Do all you can to raise your credit score. Here’s what your score needs to be.
That means the insurers feel confident that the high rates can be absorbed by dual income people who feel obligated to help their son or daughter with insurance costs. Wouldn’t it be great if you could just lower your insurance payments altogether? Here are some ways to do just that.
Bundle Your Auto And Home Insurance
The quickest way to drop your rate is to bundle your auto and home insurance. If you don’t have a home and live in an apartment, see if you can bundle your renter’s insurance.
Insurance companies have an incentive to lower your rate if you give them more of your business.
Ask For Discounts
When you contact an auto insurance company, make sure you ask for discounts. If you’re a member of any organization or even your employer may qualify you for a discount on your insurance.
Get Several Insurance Quotes
Never settle for just one insurance quote when you’re shopping for a rate. Always contact several insurance companies and write down their quotes.
Once you feel you’ve gotten enough insurance quotes, take a look at your list and compare prices. This way, you’re sure to choose the lowest insurance rate.
Last Words
With gas prices sky-high right now, it’s time to think about other ways to save on your automobile. Are you paying too much for car insurance?
Getting a lower insurance rate is super important today because prices continue to creep upward. Remember to comparison shop so that you can make sure you’re getting the best rate.
If saving money is something you’re serious about, NolaFi.com has a lot of resources to help you.
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COVID / culture / Food / general / lifestyle / mood / news / photography
November 11, 2023
3 Min ReadEthiopian Restaurant Addis NOLA, a fine eatery that has established an excellent culinary following in its short time in the city, recently opened a new location in historic Bayou Road in New Orleans.
Addis NOLA is currently offering dine-in, takeout and no-contact delivery to its customers. For now, the eatery is focusing on dinner service, with lunch and breakfast service soon to come.
Addis NOLA Relocates To Bayou Road
The new venue is in the space formerly occupied by Cajun King.
“We’re excited to open in our new space and take Addis NOLA to the next level,” said general manager Prince Lobo, who runs Addis NOLA with his mother/founder Dr. Biruk Alemayehu and father chef Jaime Lobo. “Opening on Bayou Road, the Black Wall Street of New Orleans, allows us to embrace our culturally-rich community and shine a spotlight on one of the best-kept secrets in American History.”
A staple among New Orleans’ black-owned restaurants, Addis NOLA is owned and operated by the Alemayehu family.
What’s On The Menu At Addis NOLA?
The restaurant’s menu consists of authentic Ethiopian dishes like:
1. Veggie Combo
One of the most wholesome and healthy options on the menu, the all-vegan, veggie combo gives diners a little taste of everything with red lentils, yellow split peas, collard greens, cabbage with carrots, green lentils, and potatoes.2. Doro Wot
One of the true crown jewels of Ethiopian cuisine. This is a full-flavored wholesome dish that makes for a truly special meal. White breast meat chicken slowly simmered with caramelized onions in a blend of robust spices and a boiled egg just for fun!3. Special Kitfo or Addis Special Appetizer
An Ethiopian-style steak tartare dish to behold before it begone. A creative, elegant, and truly amazing dish that marinates prime ground beef with herbal butter mixed with Ethiopian spices, collard greens, and house-made cheese.
Customers have long raved about the place, which is known for its African cuisine. Here’s what one customer recently said upon visiting. “Delicious food, a great staff. The music is loud and fun, but you can still have a conversation. The lamb tibs was my favorite, and my partner loved the chickpeas. Don’t sleep on the coffee or the spiced iced tea, either! It helps to make reservations first. But I’ll definitely be back.”
Where Is Addis NOLA Located In New Orleans?
Addis NOLA is located at 2514 Bayou Rd, New Orleans, LA 70119. Here’s a map to help you find it.
Final Word
When it comes to restaurants, New Orleans has this whole dining out thing on lock.
Remember that waiters and waitresses across the industry make less than $3 a day unless they receive tips, so please show your gratitude for your service.
Looking for more places to eat in Nola? Here Are Some Top Desserts To Order In New Orleans.
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Walmart’s Black Friday Sale is here and it’s deals to be had all over the nation, including in New Orleans, where you’ll find cool electronics, gadgets and more.
When Is Walmart’s Black Friday Sale?
Walmart’s Black Friday Sale is broken into two days — Nov. 8 and a second Black Friday event on Nov. 22.
This article will tell you everything you need to know about Walmart Plus Week as well as how you some cool items on sale at your local Walmart.
To really cash in, you might want to get a Walmart Plus subscription, which is only $49 for the year right now.
What’s On Sale At Walmart Right Now?
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How To Save Money At Walmart
Saving money when you shop at Walmart or any other store can be a great way to stretch your budget. Here are some tips to help you save money when shopping at Walmart:
Use Walmart’s Price Matching
Walmart offers price matching, which means they’ll match the price of a competitor if it’s lower. Check their website or ask a store associate for details on their price matching policy.
Check the Clearance Aisles
Walmart usually has clearance aisles or racks, where you can find deeply discounted items. These might be overstocked, seasonal, or slightly damaged items. Always inspect clearance items for any damage or defects before purchasing.
Use Coupons
Look for manufacturer’s coupons and Walmart-specific coupons. You can find these in newspapers, online coupon websites, and Walmart’s own website. Walmart also has a free app that often includes digital coupons.
Shop Generic or Store Brands
Walmart offers a wide selection of generic or store-brand products at lower prices compared to name brands. These products are often of similar quality.
Remember that saving money at Walmart requires some research and planning, but it can lead to significant savings over time.
Final Word
Saving on the items you love to buy is the best way to shop. When it comes to food, you don’t have to break the bank. Read our guide on how to save on groceries.
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Americans are looking into new and innovative ways to save money during this current economic crunch. One option that you need to consider is the concept of “soft savings.”
What Are Soft Savings?
Soft savings refers to a way to passively put money away as you go about your normal, everyday life. With “indirect savings” or “non-tangible savings,” you implement cost reductions or financial benefits that allow you to save money over time.
Soft Savings Vs. Hard Savings
The difference between soft savings and hard savings is that the former is not as easily quantified or measured in monetary terms. Unlike hard savings, which are concrete and directly impact the bottom line, soft savings are more qualitative and are often related to improved efficiency, productivity, or customer satisfaction. Here are some examples of soft savings:
Soft savings are important for individuals and businesses. While they may not have the same immediate impact on the bottom line as hard savings, soft savings can lead to long-term benefits such as a nest egg.
What Are Some Examples Of Soft Savings?
Here are some ways to “save softly” in your life:
Eat Cheap During the Week
Instead of going out to eat during the week, save that for the weekend. For example, if you’re spending $20 every other day on restaurants or lunch, save that money. In one month, you will have stashed $100.
If you’re traveling out of town, skip the restaurants during the weekdays. When you arrive at your destination, save money by asking for the restaurants that the locals prefer. Not only will you be sure to avoid the tourist spots, but it’ll be a lot cheaper.
As a bonus, eating where the local community eats will give you a chance to experience the authentic dining scene on its term.
Read how to save on groceries.
Use Digital Or Print Coupons
The next time you see the crazy coupon lady on aisle 7, ask if she’ll teach you a thing or two. Coupons are the easiest way to save money at the grocery store.
You can clip coupons from sales flyers in the store or go online; either way you save money.
Buy Items In Bulk
Believe it or not if you buy in bulk, you’ll get a better price than if you bought food wrapped individually.
That means places like Sam’s and Costco will get your grocery dollars, but it’ll be worth it.
Be Flexible With Your Travel Dates
When it comes to saving money on travel, knowing when and the best time to book your trip is half the battle.
Travel experts say that if you book a flight between 21 and 30 days out, you should be able to get a deal.
But no matter what, it pays to be flexible with your travel dates. Use Google Flights to find wiggle room in the days you plan to travel. You’ll be thankful for the money you save.
Read our Travel Savings Guide to save money on your next trip.
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Once you get behind on your bills, it can be very difficult to catch up on your payments. Debt can cause you to spend more money on interest as well — but if doesn’t have to be that way.
There are some time-tested strategies that you can do to get you out of debt in a calendar year. It’s going to take time, patience and an overall focus like never before on your part. But you can do it.
Yes, You Can Get Out Of Debt This Year
This article is going to tell you some steps to get out of debt.
We’re going to cut straight to the chase so that you can understand how to keep more of the money you make and not spend it immediately.
Contrary to popular belief, you don’t always have to pay money to get out of debt.
Here’s How To Get Out Of Debt Without Paying
One way to get out of debt is to ask for a pay increase at your job. Today’s job market is such that you may be able to get more money if you ask for a raise.
Do you have a laptop? Then you can make extra cash. Here are some other ways you can achieve your goal:
What Is The Fastest Way To Get Out Of Debt?
Aside from winning the lottery, which is not something we play, there are not any get-rich quick schemes that can work in real time. But that doesn’t mean you can’t make some serious inroads on your finances.
Here are the fastest ways to get out of debt.
Stop Spending
The first thing you need to do is put the credit card down. Obviously, there are things you need to buy, but you also need to slow down or stop spending on unnecessary things.
You might want to write a list of items you need to buy and stick to it. It’s called creating a budget. Once you have that, you will know what kind of money is going into your account and what’s going out.
Keep Your Credit Cards Open
One thing people in debt usually do is close their credit card accounts once they get out of debt. This is a mistake. Keep your credit card accounts open so that you can retain purchasing power.
Pay Off Your Most Expensive Debt First
Once your budget is set, then it’s time to pay off the most expensive debt first. The rationale behind this is to pay off the highest interest rate, which is taking the majority of your money.
If you have a credit card with $800 and one with $400, don’t be tempted to pay off the $400 first. Take care of the $800 because that’s the one you’re paying the higher interest rate on.
Take a look at your expenses and circle the smallest balance. That’s the one you pay first. Not only will this eradicate that particular bill, but it will give you some much-needed momentum to start attacking your other debt.
Pay More Than The Minimum Balance
You’ll never catch up if you only pay the minimum balance on your credit card balance. To make some progress, you always need to pay more than your minimum due.
It doesn’t have to be a large sum of money attached to each payment, but it needs to be extra i.e. more than the amount.
Final Word
Nobody likes to owe someone for a long time, no matter if it’s a credit card company or a person. That’s why credit card debt is so depressing. The good news is that you can get out of debt.
Tired of being saddled with credit card debt? It’s time for you get lighten your burdens and get out of financial trouble.
After you make some headway and get out of debt, it’s important that you stay out of debt. Stay within your means by sticking to your budget.
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The unemployment rate in Louisiana is 3.3%, according to the latest data from the U.S. Bureau of Labor Statistics, which tracks the nation’s top economic indicators.
The numbers come as the Biden Administration released its October Jobs report, which indicates that U.S. hiring slowed to 150,000 jobs for the last month. The unemployment rate rose to 3.9%.
U.S. Jobs Report Just Released
For October, the United States saw nonfarm payrolls jump by 150,000 — less than was expected.
“We just learned our economy created 150,000 jobs in October – bringing the total since I took office to 14 million,” President Biden said in a statement online. “That’s on top of an unemployment rate that has stayed under 4% for 21 months straight, the longest stretch in over 50 years. Bidenomics is working.”
Others see the October jobs report numbers as a clear sign that of “stagflation,” where both unemployment and prices are on the rise – a not-so-fun twist in the game. There seems to be an odd “yolo” vibe about equities this week while our economy is signaling darkness.
While it’s easy to harp on the unemployment numbers, for perspective, we must remember that on average, the current administration has the highest real hourly wage and second-lowest unemployment rate among presidents back to Lyndon B. Johnson.
What Jobs Are In Demand In Louisiana?
In Louisiana, the state’s oil, fisheries and hospitality sectors account for plenty of jobs that are needed. As for those in demand, LinkedIn has a list of such employment opportunities that are hot in Louisiana. Here are some job titles:
- Manager, Unit Forecasting
- VP/GM
- Director of Advanced Manufacturing
- Dynamic Presenter – Virtual and In-Person Test Prep Instructor..
- Materials Specialist
- Vice President of Supply Chain – Construction / Energy Solutions
- Logistics Coordinator
Final Word
Jobs are hard to come by no matter if you’re seeking full-time work, part-time or looking to land gigs as a contract freelancer.
Need some help? Read up on websites that help you find high-paying remote jobs.
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Finally, a neighborhood eatery that gives you a hearty meal without all the pretentiousness: Plates is open in New Orleans.
Plates is located in the Warehouse District and specializes in shareable dishes inspired by the best of New Orleans cuisine.
Owned by Louisiana native Chef Farrell Harrison and partner Brian Weisnicht, Plates is open the following hours:
- Monday 5pm – 10pm
- Tuesday 5pm – 10pm
- Wed 5pm – 10pm
- Thursday 5pm – 10pm
- Friday 11am – 10pm
- Saturday 11am – 10pm
- Sunday 11am – 10pm
What’s On The Menu at Plates?
The Plates menu includes an eclectic mix of Old World and New World cuisine encompassing signature dishes from France, Spain, Africa and influences around the Mediterranean.
On the menu you’ll find:
- Gulf Fish
- Pork Porthouse: weet potato gratin, creole mustard bordelaise (gf)
- Garlic Shrimp: Black garlic soubise, chili oil (gf)
- Braised Beef Croquettes: Pimenton aioli, pickled chilies
- Grilled Lamb Skewer: Rosemary yogurt, crushed herbs (gf)
- Saffron Pork Ragu: Fresh pasta, cherry tomatoes, fennel
Where Is Plates Located In New Orleans?
Plates is located at the 1051 Annunciation St. New Orleans, LA 70130. Here is a map to help you find it.
Final Word
New Orleans has one of the best restaurant scenes in the Southeast, and with state of Southern cooking and an emphasis on the culinary arts at an all-time high, that’s saying something.
When New Orleans’ food is mentioned on a national level, it somehow always reverts back to gumbo, which is the best around, although the city’s eateries certainly represent those dishes well, there’s so much more.
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Researchers at Stanford University say they have created a “super melanin” cream that repairs skin tissue.
The groundbreaking discovery is published in Nature, a scientific publication on the latest research. According to the science, the man-made melanin rejuvenates the skin and even accelerates wound healing.
There’s no word on whether the cosmetic industry will co-opt the research, but you can bet that it will be available on Amazon soon enough. In the meantime, these skin-care products have been tried and tested by millions of happy customers. These skin care products are pretty super if you ask me.
6. Light Face Moisturizer with SPF 25 by Olay Regenerist Whip – $28.36
7. L’Oreal Paris Pure Glycolic Acid Face Serum Skin Care I Revitalift Derm Intensives – $21.93
Here’s what one reviewer says about this L’Oreal product: “I’m a fair skinned young at heart woman in my early 50s. You know those unisightly, definitely in-freckle blotches can come up? This product erases them. I have found my new holy Grail and couldn’t be happier – after just a week. I’m already ordering a new bottle to have on hand. I do use it on my décolletage and hands as well. Thank you, L’Oréal!”
8. Reform Skincare Retinol 1% Crème – $59.99
9. Resurface by Shani Darden Retinol Reform Peel,1 oz (30ml) – $74.97
Here’s what one reviewer says about Shani Darden Retinol: “I started using this product mid-February and have significantly reduced my scarring in 10-weeks. During this time I used one full bottle and have just purchased my second. The price is steep, but I can’t find an alternative. The hope is to fade the remaining dark spots.”
10. Sublimage La Creme Yeux Ultimate Regeneration Eye Cream – Travel Size – $60
Here’s what one reviewer says about Sublimage La Crème Ultimate Skin: “This a.m., after 3 months of fighting puffiness and fine lines on my left eye, it now matches my right eye. I am quite amazed. Given I never tried Chanel & did not know the active ingredient of vanilla extract but recognized Squalane, which is at the top off the List, I am very pleased! Will buy after deluxe sample is gone. Costly, but works which is a lot better than trying hundreds of dollars of products that don’t work.”
Final Word
These products have got a lot of people that care about their skin care routine excited. So that’s why we’ve listed these particular products.
We pride ourselves on finding items that you can use at a cost that works. Hopefully, the price points are affordable for your budget.
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Who’s down for some culture with their cuisine?
Black Restaurant Week wraps up in New Orleans this weekend.That means it’s the perfect time to experience some of the city’s food businesses owned by African-Americans.
Black Restaurant Week is all about spotlighting and promoting the Gulf Coast and New Orleans’ African American-owned restaurants, food businesses.
The annual food event also considers its mission as one that educates and raises awareness of the black culinary industry in the United States and its plights and delights.
When Is Black Restaurant Week In New Orleans?
In New Orleans, Black Restaurant Week runs from Oct. 20-Oct. 29, 2023.
Black Restaurant Week sees its role ans one that helps create experiences that will cater to a diverse culture of tastemakers, professionals and area foodies seriously. Gone this year are the panels and food workshops, it’s all about support. That’s why the goal is just to eat at participating restaurants and spread the word.
What began in Houston seven years ago has expanded in major U.S. markets like Atlanta, New York, Washington D.C. and Chicago.
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The TV streaming services are doing their best Superman imitation by going up, up and away!
Apple TV+ is hiking its monthly subscription from $6.99 to $9.99 a month, the company said recently.
Just last year, Apple TV+ cost just $4.99 a month. Following Netflix’s lead, many streaming platforms are starting to raise their rates.
Why Are Streaming Services Getting More Expensive?
Competition from not just the movie studios, but the tech industry has made the streaming business a war of attrition.
Hollywood, which had been working with Netflix for over 20 years, has increasingly sought to gain market share in the streaming business in recent years.
Faced with actors and writers strikes, the movie studios are seeking to raise more capital by increasing their streaming rates for movies and TV series.
You may choose to stick with Apple TV+ or search for some alternatives. That’s what I would do.
Streaming Alternatives To Apple TV+, Anyone?
One way to watch TV for cheap is to invest in a streaming device that has plenty of free apps. I Depending on which app you choose, you could get access to all types of free movies, TV series and more.
Read up on the best streaming devices for your TV.
Final Word
With the right TV, it matters little what kind of streaming platform you subscribe to.
If you already have a smart TV, you may just need a streaming device. Here are the best add-on streaming devices for your TV.
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