Affordable Housing for the Middle Class

“What does affordable housing in Gurgaon, with its high-lifestyle, urbanization, and posh-societies look like?” You may think, given that Residential Flats varies in its meaning for different demographic profiles. Especially in the Indian real estate market, affordable housing has a connotation for housing for the lower income group (LIG), by which they too can enjoy a comfortable living and security. With the incumbent government’s focus on this section and more on the affordable housing, it seems like the real estate sector has been able to get the boost that it had been waiting for of late.

However, there is an important trend that needs to be taken note of before the government claims that its affordable housing project is a success. The term affordable housing, in different contexts, also has a local meaning. According to this, affordable housing includes housing options for a segment of population that can become potential home buyers in a city. If we take this definition into consideration, there is a sizeable population in every city, which although it will not identify with or fall under the LIG, is equally incapable of allotting a large budget for buying homes. It is not only sensitive and cost-wary but is looking forward to finding a house of a decent budget-size within the realms of the city. A typical example is of the residential flats in Gurgaon, which although are well-furnished, but do not still fall under the budget for the middle class.

When we take this population’s demands and needs a little more seriously, we find that there is a dearth of properties in good locations within the city, which buyers can afford. These buyers often have a budget of INR 30-40 lakhs, but more cities including Delhi NCR have a deficit in properties which match this budget range. Usually properties which are around INR 20 lakhs are still on the outskirts lacking good transportation and other facilities required by the urban middle class. This means that there is indeed a requirement for more housing under the affordable housing section, where different demographic profiles can find properties for themselves.

There is an urgent need for developers to come up with budget housing projects in the larger cities. As modern India moves towards development and rising aspirations, affordable housing and the security that comes with it, is increasing. This appears to be a very high opportunity for developers who can count on a boost in the real estate industry. More absorption of the housing projects in the urban cities is also a strong indicator of the socioeconomic growth in the country, thereby projecting a positive image. While the demand is strong and only increasing, there are a lot of policy-level changes that need to be introduced.

Not only will the affordable housing for the middle class prove to be a sustainable business model for the future, it will also allow more cities to come up to ranks. More affordable housing projects will assure developers that they do not struggle with inflation or even setbacks in the economy. Another trend that one needs to channelize is that more real estate investors are now eyeing budget and affordable housing projects. Where luxury homes and premium homes find it hard to make it through a rough economy, affordable housing is still on the move. The healthy demand in addition with more money coming in steady from investors means a healthy micro-economy. It is now time for builders and the government to give this proposition a try, ensuring that the overall development of the country happens throughout.

Gurgaon based real estate company’s residential flats in Gurgaon include their massive projects of Solera (Sector 107), Synera (Sector 81, NH8) Andour Heights (Sector 71), Orchard Avenue (Sector 93), Grand Iva (Sector 103), Roselia (Sector 95A), Serenas (Sector 36) and The Millennia (Sector 37D). At present, Gurgaon based real estate company’s Signum project offers retail shops in Gurugram in sector 36, 95A, 93, 103, 71, 81, and 107.

How Car Accident Victims Can Improve Their Cases Before Their First Legal Consultation

Initial Impact

One oft-repeated phrase is, “it’s better read about than experienced for yourself.” Few maxims can better encapsulate what it’s like to be a victim of a car collision.

Like any paradigm shift in someone’s life, it’s often dramatic and sudden. The screeching of wheels, the scream of the unexpected, or the shot of unfamiliar adrenaline.

All such tragic events mark the beginning of a typical personal injury case. For simplicity’s sake, we will discuss a common car accident. This piece explores how a victim of circumstance can take control of their situation, and turn their misfortune into an opportunity to better their case and their chances of reasonable compensation.

Self-Assessment

After the initial shock and twisted metal, victims at the scene may be dazed and confused. Regardless of where you are on the road, examine yourself and passengers for injuries. If there are no visible injuries, do the obvious thing and move your vehicle to a safe location if you are blocking the road.

If anyone is injured, get medical help as soon as possible. Truth be told, calling 911 has the added benefit of documenting the incident for later insurance evaluation purposes. This is because the documentation generated from the call tends to indicate a propensity of a person being truly injured. While it may come across as callused, car accident cases – and other cases involving personal injury – are all about documentation.

Insurance claims representatives will even go so far as to reduce the value of a claim on not going to the emergency room, even if there are later objective findings indicating that an injury occurred. Injuries, such as cervical strain and sprain, tend to appear more than one to two days later after the “shot of adrenaline” wears off. However, it’s the documentation early on that is important.

Interaction With Law Enforcement

If police were summoned by a party contacting 911, documentation will again be generated. It is common that police, in addition to checking for injuries, may cite the at-fault driver for either a crime or a traffic infraction.

Keep in mind that a criminal case is the government (or, in Virginia, the “Commonwealth”) versus the defendant. A criminal case is about seeking justice. On the other hand, a personal injury case is about “being made whole again.” Until a magic wand is invented, that means the “bad guy” paying some form of compensation.

Before law enforcement makes a general “first look” at liability, they will gather evidence – including statements from other drivers and witnesses, as well as obtaining contact information. This information is crucial for a Virginia auto injury or car accident attorney to later help prepare a case.

Keep in mind that the initial police investigation is entirely separate from the civil process, which may, in turn, rely on documentation generated as a result of the crash investigation. Even should an officer believe that a person is at-fault in a collision, the other driver’s insurance company may come to an independent conclusion.

One final point is that calling for help may be legally required in some circumstances. In Virginia, assume that it is required if there is someone that is injured or visible property damage to the vehicles.

Document The Facts For Later

Feel free to be your own detective if you have not yet met with a personal injury lawyer.

Ask for the other driver’s name, address, telephone number, and insurance information. If there are other witnesses to the collision, ask for the same. Take pictures with your cell phone of the accident scene and the driver’s license, if provided.

It is perfectly normal and expected for you to provide your insurance information to the other driver, even if they were at-fault. We highly recommend to clients not to make statements to the other driver’s insurance company. They’re frequently very motivated to assign blame to someone other than their own insured.

Don’t be limited in pictures of property damage of the vehicles. If it’s safe and prudent to do so, take copious amounts of pictures of you and your passenger’s injuries. This includes bruising that may later develop.

By being your own detective, the insurance company for the other driver may not be so quick to turn a blind eye to the blame of their insured. Documenting (if safe and not obstructive) while still at the scene to show the location of the impact, road conditions, and the condition of the vehicles may be critical bits of evidence later that a personal injury attorney can later utilize.

A good law firm will use this evidence to help develop your case into the best it can be under the facts. If you don’t have any of this evidence don’t worry. In most cases a client doesn’t provide this information during initial intake. That said, the more information provided the better.

Seek Medical Treatment

In line with the need to call 911, if necessary, is the simple fact that you need to seek medical treatment if you are hurt in the collision or later develop conditions that didn’t exist the day of the accident.

It is critical that you go to every appointment scheduled with a health provider and do everything that they tell you to do. Top in the playbook of every insurance company is to highlight any and all delays or gaps in treatment and try to use that information to diminish the value of your claim.

This is even true if you don’t have health insurance at the time of the collision. It is highly important that if you don’t have health insurance that you waste no time in getting it. In addition to being legally required at the time of this writing, health insurance may cover tens of thousands (if not millions) of dollars in treatments.

Even if you have the most amazing case, not having health insurance means that the proceeds of any later settlement or trial goes to pay the providers when it could have gone to your pain and suffering that you had to endure as a result of the injuries.

As a slight caveat, under some circumstances the insurance company for the other driver may reduce any settlement offer by the amount paid by insurance. However, this depends on the state and an entirely different analysis. You’ll need to consult with a car accident lawyer in your state to determine if this applies.

Avoid Waiting Until The Last Minute To Seek Necessary Medical Treatment Or Blowing Off Your Appointments If They Are Recommended By A Treating Healthcare Professional

Whether it’s the day after the accident and you were discharged from the Emergency Room or it’s month three of physical therapy or chiropractic care, you need to keep your appointments. We cannot stress this enough.

Car insurance companies for the other driver will even go so far as to unjustly say that you’re faking your injuries. They may resort to this accusation if you stop going to your appointments or blow off treatment all-together before it has run it’s course. Frequently, soft tissue injuries can “flare up” if maintenance treatments do not continue until their natural conclusion.

Once upon a time, it was a socially-acceptable attribute for people to be “tough” and “suck it up” despite pain. That doesn’t appear to be a common thread in today’s negotiations with insurance companies, especially when it comes to auto-injury cases. If you feel a certain way, pursue treatment. We recommend to clients to keep a daily pain and inconvenience journal, so we can see how they are progressing in their treatment.

Lawsuit Time: “Let’s Get It On!”

While this article was limited to what a victim of car accident can do to improve their case prior to their first legal consultation, I would be remiss if I did not include one final bit of information: choose an attorney that isn’t afraid of going to trial. If you don’t get the settlement offer that you are looking for (and is reasonable given prior settlements or verdicts), a knowledgeable Virginia car accident attorney would have no qualms about filing a lawsuit and making a request for appropriate damages to the judge or jury.

If, after negotiation with the insurance company and discussion with my client, we don’t get a settlement offer that is reasonable, then it may be time to file a lawsuit.

Occasionally, it may be advisable to cut the claims representatives out all together and file the lawsuit against the person that hurt you.

If the other driver’s insurance company doesn’t place the right value on your case, a jury of your peers may see that you internalized your pain, choosing not to be a burden on your family and friends, and assess damages a more reasonable way.

Posted in |

Vehicle Tracking Laws

Real-time vehicle GPS Trackers have different laws that vary from state to state. Each state has a different law, so it is important to check with a lawyer to make sure that placement of the GPS won’t have any legal issues.

General laws

  • It is generally legal to use a GPS Tracker if you or the organization own the vehicle that is being tracked, or if you are the owner of the asset.
  • It is also usually legal if you are tracking your child that is under the age of 18.
  • Usually, it is legal to track a car or asset for legal repossession in the event of a loan or default.
  • It is usually illegal to use a tracking device if you are not the owner of the vehicle or if you are tracking a boyfriend or girlfriend in their own car.

Laws in the state of Florida

The state of Florida has tracking laws that can be different from other states.

Florida established a new statute that makes it illegal for somebody to place a tracking device unless you are the owner of the vehicle.

The exception to this law is a parent who is the sole guardian of a child, or if both parents consent to place a tracking device to monitor their child.

Another exception to this law is a person with a disability. This can include an Alzheimer’s patient or somebody suffering from dementia.

Using a GPS Tracker illegally in Florida is a second-degree misdemeanor. This can lead to an excessive fine or up to six months of jail time.

It is very important to verify your state laws prior to placing the tracking device. Each state has unique laws so even though it may be completely legal in one state, it can potentially lead to jail time in another state.

The general rule of thumb is that if the vehicle is in completely in your name, you should be permitted to place a GPS Tracking device to monitor the vehicle. However, if you are placing the GPS Tracker on somebody else vehicle, it is most likely illegal and can result in a fine or possibly even jail time.

Again, these laws are state specific so it is very important to consult a lawyer prior to purchasing a tracking device. The laws are also constantly changing in every specific state in the U.S., and it is important to check your state laws before purchasing and activating any GPS Tracker.

Posted in |

Tips In Using Pre-Blended Mortar Mix

Most individuals plan DIY tasks to make their homes and properties appealing and strong. And, individuals use reliable materials when building such as cement. However, there are cases when cement is not suitable for such areas. Or perhaps, there are better alternatives for cement like pre-blended mortar mix.

Pre-blended mortar mix is designed for both professional and DIY persons since it is easy to use. In addition, this type of mix is suitable for brickwork, blockwork and stone laying needs. Other than that, homeowners can also use mortar mix in creating letterboxes, paving, retaining walls and garden beds. But, in order to create all of these, it is imperative to know how to use pre-blended mortar mix. To help you, below are some tips you need to know.

Mixing Tips

When mixing mortar, make sure your project is properly laid out with all the necessary tools at hand.

  • Next, individuals need to pour the required amount of mortar into a wheel barrow or a clean bucket. It is important to ensure you use contents as soon as possible after opening the product packaging.
  • After which, calculate the amount of water you will need. For each 10kg of Mortar add 1.6 litres of water.
  • Add water gradually and mix thoroughly to a stiff consistency (e.g. until the mix just slips off the trowel when lightly flicked). Note: Excess water can ruin good mortar. Should too much water be added, leave the mixture aside until it thickens to a workable consistency.
  • Finally, the mortar is now ready to trowel onto bricks or blocks.

Storage Tips

In case that you have not used all the pre-blended mix, it is imperative that you store it properly.

Most of the time, can be kept for up to six months if kept in a dry environment, off the ground and providing the bags remain sealed. Individuals must be aware that factors like high temperature and high humidity conditions may reduce the storage life of the product.

Safety Precautions

When using mortar mix, it is also best that you how to safely use it. Below are some safety tips.

During use, avoid inhalation of dust and contact with the skin and eyes. Wear suitable clothing, gloves, eye protection and respiratory protective equipment since it contains cement powders which can be harmful to the skin.

If contact with the skin occurs, individuals need to thoroughly clean the area with plenty of fresh water and soap. Meanwhile, in case of contact with the eyes rinse with plenty of fresh water and seek medical advice. And, if swallowed, seek medical attention immediately. Do not induce vomiting.

These are only some of the essential tips that individuals need to know when using pre-blended mortar mix.

Be A Proud Mustang Car Owner With A Stormproof Car Cover

To keep a Mustang stored outdoors uncovered, is to belittle it. Yes every passer-by will be able to see that you are the owner of a Mustang, but after a while, that Mustang won’t look so great. In fact, people will wonder why on earth it is not covered!

Covering any car is a must, how much more so a fabulous Mustang. You just do not need that exposure to nature’s detriments, and all the problems that come along with it. So instead, dig a bit in your pocket, not too deep, and get a Stormproof car cover.

A Stormproof is exactly what it says to be; totally stormproof. It is naturally resistant to all weather conditions. To the rain, the sleet and snow, the sun and wind, and everything else that goes in between. Woven is a way that is unique to Stormproof, the fabric provides resistance that is natural. This makes the cover extraordinarily durable, as the resistance will not wear thin with time and use, as is the case with many other types of covers that are treated.

The material of the Stormproof cover is breathable. This means that air and moisture are allowed to pass out through the fabric and away from the car. This prevents the car from steaming up and getting mouldy or rotten whilst covered. Simultaneously though, air and moisture are denied access in through the material, ensuring that it is totally waterproof.

When your Mustang is covered with Stormproof, you do not have to worry about the paintwork peeling from the acid rain, or it getting bleached from the sun. The exterior of your Mustang will be able to remain shiny, wholesome, and vibrant in color. You wont even have to be concerned about bird droppings, tree sap and dust. All of these are obviously prevented from landing on the exterior and making your precious vehicle look a sight and a half.

Usually, cars are at risk of getting knocked about and scratched. This can happen from things flying about in the wind, or from passer-bys. Thankfully, the Stormproof cover is able to combat this. Whilst it may not be able to prevent them from occurring, it can prevent them from leaving an impression on the Mustang, as it absorbs the shock of the impact.

All Stormproof covers are custom made. They are tailor made for each and every individual car with it’s owner specifications in mind. You will be able to select the color and design of the cover. You even have the option of personalising the cover even more, by placing a logo of your choice on the bonnet.

Having a custom cover, maximises the protection that Stormproof offers as there is no space for leakages, or things to sneak in. At the same time, the perfect fit gives a very sleek, upper class impression, one that is really befitting a Mustang!

Underfloor Air Distribution

In our houses, we have vents in the floors and ceilings that shoot out cool or warm air depending on what season it is and whether we have the furnace or the air conditioner on. Because the vents are in a set position on the floor, it makes furniture rearrangement that much more tricky and doesn’t allow for you to re purpose rooms as easily as you may imagine, but it gets hot and cold outside and we want our homes to be cooled or heated at will and this is how it is done.

More and more buildings on a bigger scale however have underfloor air distribution built right in as they are constructed making floor plans more flexible and without the need for static vents in strange places.

This technique is used in areas like data centers that produce a lot of heat from computers and equipment that is constantly used. In this application, isolated air conditioner zones are associated with raised flooring. Perforated tiles are placed under the computer systems to direct air to them, cooling them down in the process. The computing equipment is designed to draw the cool air from below and get rid of the warm air into the room. The air conditioner unit will them draw air from the room, cools it and forces it again through the raised flooring for the cycle to be complete.

Of course, raised flooring and underfloor air distribution go hand in hand and it is all part of the HVAC system in a building. This system makes for improved comfort for individuals in the building, better ventilation for equipment, machinery and of course, staff and improved energy efficiency for the building itself. It also results in reduced life cycle costs and is used in places like museums, schools, churches, offices and airports, all places where lots of people gather and lots of equipment is continually used.

One of the best parts about underfloor air distribution is the fact that reconfiguration of the space is a lot easier, it is also great for computer rooms as they are constantly cooled, reducing the effect of over heating on their operating systems. The only place this newer technology isn’t effective is for wet areas like kitchens, bathrooms, pool areas, gymnasiums and dining areas but it is widely used in common buildings around the country like the New York Times Building and the Bank of America Tower to name just two.

Copyright Infringement in the Digital World

Downloading files from the internet is not a crime, but if you download files for free which you usually have to pay for, then there’s a problem. The piracy issue occurs when the copyright owners do not get the amount that they are due.

Piracy is the illegal copying and selling of copyrighted materials, but the common misconception is that people don’t think it matters because no one gets hurt. In reality, the evolution of piracy from burning CDs and DVDs to digital copying has affected the global economy. Pirating a physical copy or streaming illegally affects the livelihood of artists too.

Pirated copies are not always great

Most of the time, illegal copies do not have the same quality as the legal content. A pirated movie may have been recorded on a camcorder at the back of a cinema, so the quality is poor. Its content may be grainy or black and white at some parts. Copies downloaded from the internet on the other hand may suddenly stop at some parts and the sound quality can be very quiet and muffled.

Easy digital access

Downloading directly from the computer has become popular among internet users primarily because of the ease of access. Even with the number of sites that offer legal downloads, there are still file-sharing networks that offer free access to copyrighted materials. And it’s sad that many are active in some form of piracy, either through streaming, downloading, or the old school style of buying counterfeit DVDs.

In any case, piracy costs the entertainment industry. It is stealing from the businesses involved in the art. People must remember that nothing is free. Pirate sites make money through subscription costs or advertising when a consumer streams illegal content. The operators of these sites earn from sharing copyrighted materials that they do not own and have no permission to distribute.

How to minimize the problem?

Having internet service providers get on board in helping fight piracy and detect copyright infringements has always been a struggle. It would require content holders to educate people and private entities to be responsible, make them understand the importance of copyright, and encourage them to support different ways to consume content legally like going to the cinema or subscribing to Netflix and other video-on-demand sites.

Piracy may not be easy to kill but it can be reduced. Besides, with all the latest technology coming out, we only need to keep up. Also, there are entities that help fight piracy with the use of software to detect copyright infringements.

Posted in |

Four Signs It’s Time to Change Pet Food

Sometimes a pet displays signs of poor health that aren’t necessarily related to a disease or illness. When this happens, changing pet food may be a good way to ensure that they’re getting the proper nutrients. Here are common indicators that it may be time for a change.

Flaky or Dull Coat

Just like fatty acids keep humans’ skin healthy and hydrated, if a pet’s food lacks the proper fatty acids, it may result in a dull or flaky coat. If a cat or dog usually boasts a silky and healthy looking coat, but it slowly becomes less vibrant or more knotted with time, it can be an indication that their diet is lacking in said fatty acids. If this indicator appears, keeping an eye out for a brand that includes high levels of Omega-3 or Omega-6 fatty acids may help return the shininess to a pet’s coat.

Fatigue or Lethargy

It’s normal for animals to go through lethargy during certain stages of their lives, such as when they are pregnant or are growing older. However, if a young and otherwise healthy cat or dog begins showing signs of excessive sleep and lack of interest in play or other activities, it could be a bad sign. This may be the result of an underlying illness. In order to combat this, finding a pet food with high levels of antioxidants can help the animal’s immune system and speed up their recovery time. However, it’s a good idea to contact a vet before making such changes to ensure that the lethargy isn’t a sign of something more serious.

Age

Even though humans’ diets generally stay the same through all stages of their lives, the same isn’t true of animals. Luckily, pet food comes equipped with the right nutrients for all the stages of a cat or dog’s life. Puppy or kitten chow is fortified with the vitamins and nutrients needed for higher levels of activity as well as for healthy growing. But the same is true for animals of older ages. When a pet is considered a “senior,” which is around 5-7 years depending on the size of the animal, it’s a good idea to find a food that will allow them to age comfortably. Older animals do not need the high levels of fat and nutrients in “all age” foods, and an excess of these can actually be harmful.

Excessive Itching

If a cat or dog is itching excessively, most of the time it’s an indicator that fleas or other pests have made their home in its coat. However, just like humans, some animals are born with natural allergies. These allergies may manifest themselves in upset stomachs, but they may also result in an itch that won’t go away. In this case, it’s a good idea to take the pet to a veterinarian to determine if an allergy is present and to find a low-allergen food that can reduce its irritation.

Knowing what food is right can be hard, and it may take a few attempts to get it right. But the result will be a healthier and happier member of the family!

Improving Your Website’s Search Engine Optimization

It is proven that customers are more likely to visit the websites that show up first when doing an online search. Having your company’s website at the top of result pages can lead to more customers and potential sells. However, having a company with good search engine optimization can be difficult, especially for those who are not as technologically advanced. There are some things that you can do to help increase your website’s visibility.

One of the most important things you should do is make sure that you are always publishing relevant content. Having quality, relevant content is one of the number one drivers of giving your company higher search engine rankings. You will want to identify a keyword that pertains to each page of your site. This will be something that customers may search for to yield results to things that pertain to your company and what you do.

Once you have identified these key words or phrases, you will want to use that phrase several times on each page. Of course, you still want the page to be written extremely well and do not want to sacrifice good writing to throw in the key words more times. Having poorly written content can actually turn away customers instead of improving your SEO. Of course, you will want to update your content regularly to keep it fresh and have it appear relevant.

A big part of improving your SEO is to have proper metadata on each page. Each page has a space between the tags to insert metadata or information about the pages. This can be a confusing part of designing your website and can start to be difficult to individuals who have not been trained to improving search engine optimization. This is when hiring a professional to help you can be beneficial.

There are several aspects to improving SEO that can be difficult, with the metadata being one of the most confusing aspects. You will need title metadata for each page of your website. Then you will need a description metadata that is a textual description that a browser will use in your page search return. Finally, you will need a keyword metadata that is search phrases that are commonly used when someone wants to find a similar website to your own.

If you already own a company, there is a good chance you do not have time to go through your website and improve these metadata titles. Also, if you are not extremely knowledgeable about creating the perfect metadata, the keywords and phrases you are using may not be accurate for your website. There are many professional SEO firms that can handle writing this data for you and optimizing your website as a whole. Though these companies obviously cost you money, they can give you more customers in return which can help pay back the money spent.

Another feature that SEO friendly companies have is that they have several quality links. You want to avoid using terms like “click here” because they are not very search engine friendly. You want these keywords to be rich and improve the overall rankings of your page. This is another area that a firm can help you with as they will be more knowledgeable on creating valuable links that are optimize your page.

Overall, there are many technical aspects that come with optimizing the search results for your website. These aspects can become very time consuming and difficult to understand the average individual, especially when you are trying to run a business as well. Often, you can do some of these website enhancements on your own, but hiring a firm can be a better option. Though you will have to budget in getting a firm’s help, it will lead to better SEO and give you more customers.

Posted in |

6 Healthy Packaged Foods That Save You Time And Money

When choosing packaged foods, it’s important to read the labels. This can be time consuming but worth it. To save time, try focusing specifically on foods low in sugar, low in salt and high in protein. Stay away from anything containing high fructose corn syrup which is an unnecessary sugar additive. Why do we even need sugar in bread? Foods with the fewest ingredients are best. If you don’t know what an ingredient is, chances are it’s not good for you.

Marketing techniques labeling foods as Lite, gluten free, healthy or wheat may not always be the healthiest choice. As an educated consumer you should know the difference. Many so called “wheat” products may not be whole grain or made from whole wheat. The first ingredient should be whole wheat flour. Wheat flour, unbleached wheat flour, multigrain, enriched, and stone-ground wheat flour are alternative ways of saying “refined white flour.”

To save you some time in the grocery store, I’ve compiled a list of packaged healthy foods that can also save you money. Here are 6 packaged foods that I recommend:

1. Canned beans. Opt for the low salt version if you can. Always rinse the beans thoroughly to wash away any unnecessary salt. Try to avoid beans with sauce or refried beans that tend to be high in sodium.

2. vegetables. Plain vegetables without sauces and added salt are a healthy and delicious addition to any meal. Steamables are a great choice when you’re in a hurry or just too tired to cook. They are quick and easy and leave you with little clean up. They can be more expensive, so stock up when they’re on sale. I’ve found them on sale for as little or close to $1 a bag.

3. Frozen berries. Not only are they delicious, but can really save you money. Especially in the winter when berries are out of season and more expensive. Try mixing them in plain Greek yogurt. Or serving them with pancakes or French toast. It makes a natural sweet sauce. Sometimes we thaw them in the microwave, making them a little warm to pour over our pancakes. Try topping them with a dollop of Greek yogurt too. It gives it a taste that’s almost like a crepe.

4. Nut butter. If the ingredient says almonds, you have a winner. It takes some time to stir, but if you store it in the refrigerator, you shouldn’t have to stir it again.

5. Low sugar cereals. Ideally cereals should have less than 6 grams of sugar. Opt for whole grain cereal such as toasted oats and muesli. Unsweetened instant oatmeal can be thrown in the microwave for a quick & healthy breakfast.

6. Canned Tuna fish. Packed in water. This is a quick and inexpensive source of protein. I pack my tuna salad with lots of vegetables like onions, celery, carrots, vinegar, pepper and olive oil mayonnaise (it tastes just like the real thing without adding as much fat and calories).

When choosing pre-packaged foods just remember, marketing can be deceptive. The fewer ingredients, the more natural the product. Look for whole wheat flour as a first ingredient when selecting whole grain foods. Try to stay away from processed foods that are high in sodium, sugar or contain high fructose corn syrup.