For nearly two decades, the Ballon d’Or was defined by a rivalry that transcended soccer. It was essentially just a battle between Lionel Messi and Cristiano Ronaldo.
Walmart is selling an ‘elegant’ bookshelf with 8 shelves and 4 drawers for $173
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Why we love this deal
Out of all the storage furniture on the market, a bookcase provides the most personality and sophistication. It allows you to proudly show off your knowledge with a small library of your own favorite novels beautifully arranged on the shelves. These titles provide a great conversation starter with house guests, and depending on where the bookshelf resides, it also makes a stellar backdrop for video conference calls. You’re also not limited to displaying reading materials; you can use a bookshelf for family photos, figurines, or artwork. If you want superior functionality in this classic design, a bookshelf with drawers brings extra convenience with a helpful spot to hide away clutter.
Whether you want to better organize your space or display your book collection, the bestselling Homfa Double-Row 6-Tier Bookcase is a smart choice. The modern bookshelf has a high-end appearance and ample storage space. With 34% off, you can add any of the six colors to your cart for under $175, saving shoppers over $90.
Homfa Double-Row 6-Tier Bookcase, $173 (was $264) at Walmart
Courtesy of Walmart
Shop at Walmart
Why do shoppers love it?
Instantly add elegance to your space with this Homfa bookcase. It has a timeless design that’s upgraded for the modern day with eight cubbies to display your memorabilia and four smooth-sliding drawers at the base. For those who prefer a farmhouse chic appearance, the two-tone black and oak (pictured above) and the solid gray both have wood grain finishes for a charming rustic touch. There’s also classic black, clean white, and blue or green shades for those who enjoy a pop of color.
Related: Amazon’s $90 farmhouse storage cabinet stands 5.5 feet tall and has 6 shelves
Measuring 38.6 inches long, 11.6 inches deep, and 70.9 inches tall, this bookshelf has a footprint that won’t take up too much space. You could use it in the living room, hiding away messy charging cords and remote controls in the drawers, or in the home office to neatly organize your folders and documents. But its versatile design could streamline just about any space — it would look great in the kitchen with coffee mugs or recipe books on the shelf. You don’t have to worry about loading it up too full, because each shelf is sturdy enough to support 38 pounds. One shopper raved, “It’s sturdy and has lots of room for organizing everything.”
Details to know
Dimensions: 38.6 inches long, 11.6 inches deep, and 70.9 inches tall.
Colors: All colors are on sale for $173.
Material: Thickened engineered wood and metal.
Special features: 1-year product warranty.
There will be assembly required upon arrival, but one shopper reported, “I’m 72, and it took 4.5 hours to build this by myself.” They called the finished piece “beautiful and elegant.”
Shop more deals
Homfa 71-Inch Tall Bookcases with Storage Drawers, $150 (was $270) at Walmart
Homfa 73-Inch Tall 6-Tier Bookcase, $170 (was $280) at Walmart
Homfa 6-Tier L-Shaped Tall Corner Bookcase, $163 (was $270) at Walmart
The Homfa Double-Row 6-Tier Bookcase is a practical addition to the home for its ability to organize and elevate your space. Don’t miss your chance to score it for less while it’s on sale for only $173.
Why Rural Hospitals Are Finally Ditching Film and Fax Machines
Three CDs, a courier, and a fax confirmation sheet. That was the actual workflow a critical access hospital in eastern Montana used last spring to get a chest CT into the hands of a pulmonologist two hours away. The patient waited. The radiologist waited. Nobody involved thought this was normal, and yet the same scene plays out at hundreds of small facilities every week.
Here is the good news. The tools that large health systems use to move images instantly are no longer priced or built only for them. Systems built around enterprise imaging software now scale down to hospitals with 25 beds and up to networks with thousands, which means the courier and the CD wallet can finally retire.
If you run imaging, IT, or operations at a small or mid-sized facility, this piece walks through what changes, what it costs you in staff time, and how to tell whether the switch is worth it this budget year or next. I’ll be blunt about where I’d draw the line.
What “enterprise imaging” actually means in practice
People use the phrase loosely, so let’s nail it down. Traditional PACS handles radiology studies: X-ray, CT, MRI, ultrasound. It does that job well and has for two decades.
Enterprise imaging picks up everything radiology PACS leaves on the floor. Wound photos taken on a nurse’s phone. Cardiology loops from the cath lab. Pathology slides. Endoscopy video. Mammography reads. All of it lands in one patient-centric viewer instead of eleven folders on eleven shared drives, and that single viewer can push a coherent story to the EMR when a physician opens a chart.
That difference matters more at a small hospital than a big one. A 400 bed system has an IT department to bolt systems together. A 25 bed hospital has one person named Dale who also handles phones. One viewer with one login beats five systems Dale has to babysit.
Why small and rural facilities feel the pain first
Rural hospitals carry the same imaging obligations as urban ones with a fraction of the staff, and they lean hard on teleradiology partners who need fast, clean access to studies. When a study sits on a disc in a FedEx envelope, the clock on a stroke or trauma case keeps running.
The staffing math is unforgiving too. According to the Bureau of Labor Statistics, healthcare occupations overall are projected to grow much faster than the average across all occupations, which sounds fine until you try hiring a PACS administrator in a county with 9,000 residents. You won’t. You’ll promote a tech who already has three jobs, and that person needs software that doesn’t require a certification course to operate.
Open the worklist, click a name, see the images. That’s the entire training goal. If your vendor’s onboarding plan runs six weeks, ask why.
The three places money actually leaks
I’ve watched enough small-hospital imaging budgets to say the savings rarely come from the license line. They come from three quieter places.
Staff hours spent burning and mailing discs. Every outside study request becomes a phone call, a burn, a label, and a tracking number. Multiply that by a few hundred requests a year.
Repeat imaging because prior studies weren’t available. A patient transfers in, nobody can pull the outside CT in time, so the ED orders another one. The payer may or may not cover the second scan. Your radiologist’s time is gone either way.
Delayed reads on transfers. Every hour a specialist waits on images is an hour a bed stays occupied or an ambulance stays parked.
None of these show up as a line item. They show up as overtime, as denials, and as a medical director quietly complaining at the monthly meeting. That’s the kind of hidden money pit in your operations most facilities never measure.
A quick gut check before you shop
You don’t need a consultant to know if your facility is ready. Answer these five honestly.
Can an on-call physician pull any prior study from any modality on a phone at 2 a.m. without calling anyone?
Do your nurses still print wound photos and tape them into a paper chart?
If your primary PACS server died tonight, how many hours until reads resume?
Does your current vendor charge for upgrades, or are they included?
When a patient transfers out, does the receiving hospital get images before the ambulance arrives, or after?
Three or more rough answers means you’re paying the hidden tax already. Two or fewer means you have breathing room, and you should spend it planning instead of reacting.
Security and downtime: the questions nobody asks until it’s too late
Medical images are among the most sensitive records a facility holds, and they’re also large, which makes them awkward to encrypt, move, and archive. The National Institute of Standards and Technology publishes the cybersecurity framework many hospital IT teams use as their baseline for exactly this kind of risk planning, and it’s worth asking any vendor how their architecture maps to it.
Ask about disaster recovery in the same breath. At some facilities, recovery is an add-on module with an add-on invoice. At others it’s simply how the system is built, with images replicated somewhere other than the room where the server hums. I’d treat built-in recovery as a requirement, not a nice-to-have, because a PACS outage during a trauma case is the kind of event that ends careers.
Also pin down the upgrade model. If every software release comes with a quote, you’ll run old software for years, and old software is where security problems live. Evergreen licensing, where upgrades arrive at no extra charge, changes the incentive. It costs the vendor money to keep you current, so they actually do it.
What the transition really looks like
Plan on three phases. First, migration and validation: your historical studies move over, and someone checks that a random sample opens correctly with the right patient attached. Second, modality by modality go-live, starting with the busiest one so problems surface early while support is watching. Third, the long tail, which is where you pull in the non-radiology images that never had a home before.
That third phase is the one people skip, and it’s the one patients notice. A specialist who can see the mammogram, the pathology report, and the cardiology loop in one place doesn’t have to guess, and neither does the patient sitting in the room wondering why nobody has answers.
Where the money and the momentum come from
Small hospitals don’t get big capital budgets, so timing matters. A few things work in your favor right now.
Broadband buildout across rural counties keeps improving, and the U.S. Census Bureau tracks the demographic and economic shifts that shape how rural health systems plan for the next decade. Meanwhile, teleradiology groups keep expanding, which means your facility is more likely than ever to depend on a remote reader who has never set foot in your building and needs your images to just work.
That’s the real argument. Not technology for its own sake, but the fact that your clinical partners are increasingly somewhere else.
My honest take on when to move
If you’re burning discs weekly, paying for upgrades, and praying your single server holds, move this year. If your current setup is stable and your staff is comfortable, use the next budget cycle to plan and to watch how the market shakes out. Either way, insist on a live demo with your own studies, not a canned slide deck. Vendors who won’t load your data are telling you something.
What’s the last study your facility mailed out on a disc, and how long did the patient wait for an answer?
The post Why Rural Hospitals Are Finally Ditching Film and Fax Machines appeared first on Addicted 2 Success.
Why Your 3 P.M. Slump Isn’t a Coffee Problem (and What High Performers Reach For Instead)
Three o’clock hits and your brain goes soft. You reread the same email twice, open a tab you don’t need, and start negotiating with yourself about a fourth cup of coffee. I’ve watched founders do this in real time during workshops, and almost every one of them blames caffeine dose when the actual culprit is the shape of their morning.
Here’s the promise: by the end of this piece you’ll have a simple three-step wind-down protocol you can run today, and you’ll understand why the snack or supplement you reach for at 3 p.m. matters less than the ninety minutes before it. Some people keep a pack of thc cbd gummies in a desk drawer for exactly this window, which is fine, but the timing and the dose around it do most of the work. That’s what we’re fixing.
The preview: we’ll cover why the crash is predictable, how to build a wind-down instead of a jump-start, and a decision table for what to actually put in your mouth at 3 p.m. No willpower lectures. Just mechanics.
The crash isn’t random, it’s scheduled
You wake up, you spike your blood sugar with a pastry and a latte, you ride a stress curve through four meetings, and then your body asks for the bill. That bill arrives mid-afternoon because that’s when your circadian rhythm dips, not because you’re lazy or undisciplined.
According to the National Institutes of Health, circadian rhythms influence alertness, hormone release, and body temperature across the day, which means a natural lull in the afternoon is a normal human pattern rather than a personal failing. Once you accept that, the strategy changes completely. You stop trying to override the dip with stimulants and start designing around it.
I’ve run this experiment on myself more times than I’d like to admit. Two espressos at 2:45 p.m. get me to about 3:40 p.m. and then drop me harder than if I’d done nothing at all. The crash after the rescue is worse than the original crash. That’s the part most people never measure, because they’re already reaching for cup number five by the time it lands.
Where the coffee hack quietly backfires
Caffeine works by blocking adenosine, the molecule that builds up in your brain through the day and makes you feel sleepy. The problem is that adenosine doesn’t disappear when it’s blocked. It queues up. When the caffeine clears your system, all that pressure rushes in at once, and now you’re tired and jittery.
If you’ve been running on coffee since you were twenty-two, you’ve probably built a tolerance that makes each cup less effective than the last. So you drink more, sleep worse, and wake up needing a bigger dose. That loop is the actual problem. Breaking it takes about a week and it’s deeply unglamorous.
Here’s my honest take: if you’re drinking caffeine after 1 p.m. and wondering why you can’t fall asleep before midnight, you don’t have a caffeine problem, you have a scheduling problem. Move the last cup earlier and watch what happens to your mornings.
What high performers do differently at 3 p.m.
The people I’ve watched stay sharp through a full workday don’t have better genetics. They’ve built a wind-down that runs before the crash arrives, and they treat the 3 p.m. window as a scheduled reset instead of an emergency.
They move for five minutes, usually a walk outside, not a stretch at the desk.
They drink water first and decide about caffeine second.
They shift to low-stakes admin work for twenty minutes instead of forcing deep focus.
They keep the last hour of the afternoon for anything that doesn’t require original thinking.
That last one sounds like surrender. It’s the opposite. You’re moving your hardest cognitive work into the morning, when you actually have it, and letting the afternoon handle the work that doesn’t care what time it is.
The Wind-Down Window: a framework I built after getting this wrong for years
I call it the Wind-Down Window, and it runs from 1:30 p.m. to 3:30 p.m. in three blocks. You don’t need an app or a wearable. You need a calendar block and the willingness to look slightly antisocial for two hours.
Block
Time
What you do
Cutoff
1:30 p.m.
Last caffeine of the day. No exceptions. This protects your sleep, which protects tomorrow’s morning focus.
Bridge
2:30 p.m.
Ten minute walk, a full glass of water, and one real food item with protein or fat instead of sugar.
Landing
3:00 p.m.
Switch to admin, email triage, or anything that doesn’t need your best brain. Twenty to forty minutes.
The Bridge block is the one people skip and the one that matters most. Ten minutes of walking raises your alertness without borrowing from tomorrow, and it costs you nothing. I’ve done this on days when I had back-to-back calls at 3:15 and it still worked, mostly because I stopped pretending I could do strategy work at that hour.
Should you add a gummy to the routine?
It depends on what you’re trying to fix. A gummy at 3 p.m. won’t repair a sleep deficit, and it won’t replace the walk. But if your problem is a racing mind that won’t let you land into the low-focus part of the day, a small dose can help you stop grinding.
According to the Sleep Foundation, caffeine has a half-life of roughly five hours for most adults, meaning a 2 p.m. cup still has meaningful presence in your system by early evening. Read that as: your 3 p.m. rescue is quietly stealing from your 11 p.m. sleep, and the next morning’s slump starts right there.
If you do keep gummies or edibles at your desk, treat them like any other variable. Start small, keep the dose consistent, and log how you feel at 4:30 p.m. before you decide whether it’s helping. Guessing is how people end up either wired or useless at 4 p.m. and blaming the wrong thing.
A five item checklist you can run today
Move your last caffeine of the day to 1:30 p.m. or earlier, and hold that line for five days.
Pair it with a ten minute walk between 2:30 and 2:45 p.m., outside if you can.
Eat something with protein or fat at that same window. Avoid the pastry.
Protect 3:00 to 3:40 p.m. for shallow work. Move anything creative to the morning.
Write down how you feel at 4:30 p.m. for a week. Skip the journaling and just note it in your phone.
That’s it. No supplements required to start, no tracking hardware, no subscription. Do it for five working days and you’ll know more about your own energy curve than most productivity books will ever tell you.
What the data says about your afternoon
One more piece worth knowing. According to the Centers for Disease Control and Prevention, adults who get fewer than seven hours of sleep are more likely to report difficulty concentrating during the day, which means most afternoon crashes trace back to the night before. Fix the sleep, and 3 p.m. gets a lot less dramatic.
I’d bet money that if you ran the Wind-Down Window for two weeks with zero changes to your diet, you’d notice the crash soften before week two ends. The caffeine cutoff alone usually does it.
Where to go from here
Your 3 p.m. slump is information, not weakness. It’s your body telling you that the morning was structured wrong and the afternoon was never planned at all. You can keep throwing coffee at it and ride the same loop for another decade, or you can spend one week measuring and find out what your actual energy pattern looks like.
Start with the cutoff. Then add the walk. Then decide whether anything else, including a gummy, deserves a place in the routine. When you’ve run it for a week, come back and ask yourself one question: was I tired at 3 p.m., or was I just overdue for a different plan?
The post Why Your 3 P.M. Slump Isn’t a Coffee Problem (and What High Performers Reach For Instead) appeared first on Addicted 2 Success.
UnitedHealthcare Is Rolling Out Its AI Agent To 21 Million Members
The company indicated significant success with its initial roll-out earlier this year, and is now looking to expand its agentic reach.
What Is The Ballon D’Or? Harry Kane Wins Soccer’s Most Prestigious Award In 2026
France Football has awarded the Ballon d’Or for the Best Male Player. Here, we explain more about the prestigious accolade and its winner.
AARP warns Americans on 401(k), Roth IRA changes
While financial advisors often praise Roth IRAs for their tax-free distributions in retirement, AARP warns Americans that changing from (rolling over) a long-held traditional 401(k) to a Roth IRA warrants caution, because securing that future tax shelter requires swallowing a potentially substantial tax bill today.
“That doesn’t necessarily mean you should abandon a Roth conversion,” wrote Sandra Block of the AARP. “Just be sure you understand the pitfalls and can navigate around them.”
When an individual rolls over a 401(k) account into a traditional IRA, taxes are generally deferred until funds are eventually withdrawn, allowing the savings to continue compounding tax-free for the future.
“If you don’t roll over your payment, it will be taxable (other than qualified Roth distributions and any amounts already taxed) and you may also be subject to additional tax,” explained the Internal Revenue Service (IRS).
“If you’re getting a distribution from a retirement plan, you can ask your plan administrator to make the payment directly to another retirement plan or to an IRA,” added the IRS.
Because Roth IRA contributions are funded with money that has already been taxed, qualified withdrawals are completely exempt from taxes and penalties once an account holder reaches age 59½ and satisfies the five-year holding rule.
“Unlike traditional IRAs, Roths don’t require you to start taking required minimum distributions when you turn 73, so you can allow your account to continue to grow uninhibited by taxes,” AARP wrote.
“And if you leave the asset to your children, they can take tax-free withdrawals as long as they deplete the account in 10 years.”
Ashley Akin, CPA at RKO Tax told me about a key mistake people make related to traditional and Roth retirement accounts.
“The most common mistake when dealing with a retirement account is to consider solely the maximum contribution, while ignoring the tax aspect completely,” Akin said. “Traditional and Roth accounts have different implications when it comes to taxation; therefore, depending on personal income and other factors, one should consider which of the two is more suitable.”
AARP: Rolling over 401(k)s to IRAs involves drawbacks
When one pays taxes on the amount of pretax contributions they convert, it is best to pay those taxes with funds outside of their 401(k), according to AARP.
“If you withdraw money from your plan to pay the tax bill, you’ll shrink the account, reducing the amount available for tax-free growth,” wrote AARP.
Even if covering the tax bill is manageable, converting a substantial balance can bump a person into an upper tax bracket, driving up the tax rate applied to the rest of their income.
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Additionally, executing a Roth conversion raises an individual’s adjusted gross income (AGI), which can trigger higher Medicare Part B premiums through income-related surcharges.
“In 2026, the standard monthly Medicare Part B premium is $202.90, but if your AGI exceeds certain thresholds, you could end up paying much more than that,” wrote AARP. “People with modified adjusted gross incomes over $109,000 for an individual taxpayer or $218,000 for a married couple filing jointly will pay anywhere from $284.10 to $689.90 a month.”
“In most cases, the high-income surcharge is based on your tax return from two years ago,” AARP continued. “For example, the 2026 surcharge will be based on your AGI for 2024, so the notice that you’ll have to pay a higher premium may come as an unpleasant surprise.”
Vanguard explains 401(k)-to-IRA rollover benefits
It is also important to remember that rolling over a 401(k) into an IRA offers key advantages that grant people greater authority over their overall financial strategy, according to investment management firm Vanguard.
“Rolling over your 401(k) to an IRA often opens access to a broader range of investment options, including stocks, bonds, mutual funds, and exchange-traded funds (ETFs), supporting better diversification and growth potential,” Vanguard wrote.
“If you have several 401(k) accounts or IRAs, consolidating your retirement savings into one account makes it easier to monitor and manage your long-term goals,” Vanguard added.
“A rollover helps you avoid taxes, penalties, and unwanted withdrawals from your retirement funds when you leave a job.”
AARP is cautioning retirement savers about the potential pitfalls of shifting funds between 401(k)s and Roth IRAs.Shutterstock
AARP explains Roth IRA conversion Social Security implications
A Roth conversion’s boost to adjusted gross income also elevates the risk that a retiree will owe taxes on a larger portion of their Social Security benefits.
To calculate whether an individual’s Social Security benefits are subject to taxation, I always emphasize the fact that the IRS evaluates “provisional income,” which combines their adjusted gross income, non-taxable interest, and 50% of their annual Social Security payments.
If that figure is between $25,000 and $34,000 for an individual or between $32,000 and $44,000 for a couple, up to 50 percent of Social Security is taxable,” wrote AARP.
“If your provisional income exceeds $34,000 (single) or $44,000 (couple), up to 85 percent of your benefits may be taxable,” AARP added. “401(k) withdrawals you make as part of a Roth conversion count toward those thresholds.”
This article is for informational purposes only and should not be construed as individualized tax or investment advice.
Related: Dave Ramsey warns 401(k), IRA savers on IRS 5-year rule
4 in 10 FSA holders lose hundreds to one year-end rule
Open enrollment season is underway, and millions of workers are making benefit elections that will affect their health care spending for the full year ahead.
Among the most consequential choices is the flexible spending account (FSA), a pretax tool with a use-it-or-lose-it rule that forfeits unspent balances at year-end.
New research from the Employee Benefit Research Institute (EBRI) studied more than 3.3 million accounts and found forfeitures continued through 2024 despite year-over-year declines.
The dollar amounts that workers leave behind remain large enough to erase much of the tax advantage these accounts provide.
Also Read: Vanguard reveals health account best for retirement
EBRI finds average flexible spending account forfeitures fell to a record low in 2024
Only 4 in 10 FSA holders surrendered unused funds in 2024, and those who lost money returned an average of $404 to their employers, EBRI reported. That average is down from $436 in 2023, the lowest inflation-adjusted figure since the institute began tracking these accounts in 2019.
Most participants tapped their accounts during the year, with 89% taking at least one distribution averaging $1,503, the report found. Average annual contributions rose modestly to $1,431 from $1,413 the year before, though inflation-adjusted contributions edged slightly lower, the data indicated.
Jake Spiegel, Senior Research Associate, Health and Wealth at the Employee Benefit Research Institute, said declining losses are encouraging, but gaps in participant awareness remain.
<strong>The decline in average forfeitures is encouraging. Still, the findings point to opportunities for employers to help workers better understand eligible expenses, plan deadlines and the features available to manage unused balances</strong>
A previous Money analysis pegged the 2023 nationwide total amount surrendered at roughly $4.5 billion, underscoring the scale of unspent balances across the market.
Younger FSA participants contributed less and forfeited more often
The EBRI data revealed a sharp generational divide, with age emerging as the strongest predictor of whether pretax health dollars go unused. Workers younger than 25 contributed an average of just $623, compared with $1,639 among those aged 45 to 54.
Two-thirds of account holders under 25 surrendered unused funds in 2024, the highest forfeiture rate of any age group. The data confirmed that only 36% of those aged 65 and older forfeited money, though they tended to lose larger dollar amounts when they did.
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The report found that accounts with a carryover, a grace period, or both showed relatively small differences in average contribution levels.
Contributions ranged from $1,365 for accounts without a grace period to $1,489 for accounts with a grace period.
EBRI data shows younger workers contribute less to flexible spending accounts but forfeit unused funds more often, risking lost healthcare savings.Curly_photo / Getty Images
The IRS raised the 2026 health FSA limit to $3,400
The financial stakes of misjudging an FSA election are set to grow under new federal limits announced for 2026 plan years. The IRS Revenue Procedure 2025-32 increased the maximum annual employee pretax contribution to $3,400, up from $3,300 the prior year.
The IRS formalized the increase under the inflation index tied to the Affordable Care Act (ACA). For employers that permit unused balances to carry forward, the maximum carryover amount also increased to $680 from $660.
Employers that offer rollovers may set their threshold below the IRS cap, and neither a carryover nor a grace period is required. A worker who contributes the full $3,400 and leaves the balance unspent at the 2024 average rate would lose more than $400 in pretax dollars, as shown in IRS Revenue Procedure 2025-32.
Those forfeited pretax dollars could have covered copays, prescriptions, dental work and other eligible medical expenses under the participant’s plan.
Married couples with two FSA-eligible plans can each contribute up to $3,400, for a combined household limit of $6,800, under the IRS limit in Revenue Procedure 2025-32.
How to keep more of your FSA dollars during the next plan year
The EBRI report concluded that greater awareness of plan features and spending requirements could help workers use FSAs more effectively. Rollover and grace period provisions offer workers additional time to manage year-end FSA spending.
Leaving a small balance unspent does not necessarily erase the benefit of participating, because pretax savings can outweigh the lost amount.
Spiegel pointed to opportunities for employers to help workers better understand eligible expenses, plan deadlines, and features available to manage unused balances.
Spiegel said understanding how FSAs work is essential to maximizing their value. The report also identified website filters for FSA-eligible products as one emerging tool that could help reduce unused balances before plan-year deadlines close.
Related: The six-figure retirement health care myth: Why lifetime estimates distort your real budget
How to Fix Damaged Gutters in Your Home
Gutters protect your home from water damage. When they work properly, they carry rainwater away from your roof and foundation, keeping everything dry. However, over time, gutters can be damaged by wear and tear, weather changes, or clogs. A small issue can become a bigger problem if you don’t fix it. That’s why you need to check your gutters regularly and know how to repair them when needed.
You might be surprised at how easy it is to fix gutter problems yourself. With the right tools and a bit of knowledge, you can save money on costly repairs later. Let’s look at how you can fix damaged gutters at home.
Spotting damage
The first step in repairing gutters is to identify any damage. Look for clear signs like sagging, rust, or leaks. If you see water pooling around your foundation or on your roof, your gutters may not be working correctly. Sometimes, a close look can show cracks or holes that aren’t easy to spot at first.
Check the seams where different sections of the gutters connect. These joints can often be weak, especially if they haven’t been sealed well. Also, look for sections that bend or pull away from the house. Finding these problems early can help you fix them before they get worse.
Tools needed
To repair your Delta gutters, you’ll need a few tools. Start with a sturdy ladder to safely reach high places. A trowel will help you clean out debris and clogs. You’ll also want drip-edge shingles or small rubber gaskets for seal repairs. Sealant or gutter repair tape can help fix leaks.
Wear gloves to protect your hands from sharp edges or debris. If your gutters have rust, a wire brush or sandpaper can smooth those areas before applying sealant. Having these tools ready will make your repair process easier.
Removing debris
Cleaning your gutters is essential for keeping them working well. Leaves, dirt, and other debris can build up and cause clogs. To start, climb your ladder and carefully scoop out any gunk blocking the water flow. Be ready for a messy job, as the debris can be compact and stubborn!
Remove as much debris as possible so you can see any damage underneath. Use a bucket or tarp at the base of your ladder to catch anything you drop. After cleaning out the gutters, take a moment to rinse them with a hose. This helps clear out any leftover sludge and shows whether water flows freely.
Scheduling Routine Cleanings
Cleaning your gutters is not a one-time job. It needs regular attention. Aim to clean them seasonally, especially in the fall when leaves are everywhere. Depending on your location, you might want to schedule cleanings twice a year. Keeping a routine helps you spot problems before they get worse.
If you’re not comfortable climbing ladders, consider hiring a professional service. They can do the heavy lifting and keep your gutters well maintained. Regular cleanings keep your gutters working well and can help them last longer, ultimately saving you money.
Finding leaks
After you clean your gutters, check them for leaks. Look for holes or gaps where water might escape. If you notice water spilling out instead of flowing smoothly, you might leak.
Most leaks can be fixed easily. Start by checking the seams; cracks often appear there. Run your fingers along the ends and joints to feel for moisture or see any visible damage. A quick visual inspection is usually enough to find where you need repairs.
Applying sealant
For small holes or cracks, use gutter sealant. Clean the area around the leak and make sure it’s dry. Apply plenty of sealant to the crack or hole, then smooth it out with your finger for a secure seal. If the damage is larger, consider using gutter repair tape.
For bigger repairs, you might need to replace a section of the gutter. Most hardware stores sell gutter sections you can install yourself. Match the size and type of your existing gutters to keep everything consistent.
Gravity’s role
Over time, gutters can sag or get misaligned, affecting how they handle water. The gutter angle matters for directing water to the downspouts. If they aren’t sloped correctly, water can pool instead of flowing away.
Check your gutters from different perspectives to see if they are aligned properly. Ideally, gutters should slope toward the downspouts at about a quarter inch for every ten feet. This setup allows water to flow smoothly.
Making adjustments
To fix sagging gutters, examine the brackets that hold them up. Tightening loose screws or replacing brackets can help with alignment. If needed, adjust the gutter pitch by loosening the brackets, changing their height, and then re-tightening everything to create the right slope.
Take your time with this adjustment. If the gutters aren’t aligned, gravity won’t work properly, and you could face various water damage problems later. Pay attention to the details. Maintaining your gutters is very important. Small repairs can prevent bigger issues. Keep an eye on your gutters, and you’ll enjoy a well-kept and damage-free home!
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Why Your Team’s “8 Hours” Is a Lie (And What That Costs You)
A guy I know runs a 14 person warehouse supply shop outside Columbus. He paid his crew for 38,400 hours last year. When he finally sat down with actual clock data instead of gut feel, the number he could defend was closer to 34,000. That’s a whole employee he was paying for who never showed up. Not theft, not fraud. Just a decade of rounding, of “close enough,” of a supervisor who liked his team too much to say anything.
Most owners I talk to assume their payroll is roughly accurate. It isn’t, and the gap rarely comes from the person you suspect. It lives in the spaces nobody watches. The 7 minutes between clock-in and the first task. The shift that runs 22 minutes long because nobody wanted to be the one to interrupt. The break that stretches. Multiply one careless minute across a crew and a year and it stops being a rounding error and starts being a real line item you’d notice on your P&L.
Here’s what I’d tell that shop owner if he asked me today: stop treating hours as a feeling and start treating them as data. That’s the whole job of time and attendance software, and if you’re still running this on paper or a spreadsheet, you’re the last person in the room who trusts a guess over a record.
The Payroll Gap Map: Where Your Money Actually Leaks
I built a simple model for tracking this a few years back, and I call it the Payroll Gap Map. It splits every hour you pay for into three buckets. The first is productive time, the work you hired someone to do. The second is ghost time, paid minutes that produce nothing measurable, lunch runovers, late starts, and the slow drift at end of shift. The third is unpaid effort, the overtime nobody logged, the early login from the parking lot, the “I’ll fix it later” that never gets reimbursed.
Ghost time and unpaid effort are both expensive, but they pull in opposite directions. Ghost time inflates your payroll. Unpaid effort erodes trust, and it’s the quiet reason your best people eventually leave. Most managers only see one of them because their system only records one of them.
When I first started mapping this, I assumed ghost time was a discipline problem. I was wrong. It’s an information problem. If your crew doesn’t know their exact hours are visible to them, they treat a few minutes as a rounding courtesy. The moment they can see their own clock data, the behavior shifts on its own. You don’t have to chase it.
What a Real Time Record Looks Like
A legitimate time record isn’t a punch-in number. It’s a story about a day. You want the raw clock event, the break markers, the project or job code attached, and the approval trail showing who signed off and when. That’s four layers, and paper gives you roughly one and a half of them.
Digital records also create something a spreadsheet can’t: a trail you can audit. Labour law across most of the developed world sets baseline employee protections around working time, rest breaks and record keeping, and employers are expected to keep accurate records of hours worked.
The European Union publishes its working time directives as an example of how formal these expectations have become. Your own jurisdiction will differ, but the pattern is universal: the burden of proof sits with the employer, not the employee. When a dispute lands on your desk, “I’m pretty sure he was here” is not a defense. A timestamp is.
Why Your Best Employees Hate Your Current System Most
This is the part that surprised me when I ran my first paid pilot with a crew of 22.
The hourly staff whose hours were always recorded correctly were the least bothered by paper timesheets. They clocked in on the minute, clocked out on the minute, no friction. The people who hated it were the ones who actually carried the extra weight. The shift lead who covered a gap and forgot to write it down. The administrator who did 40 minutes of catch-up on a Sunday because she cared. They were being quietly punished by a system too blunt to see them.
So if you’re weighing whether to move off paper, here’s the test I’d run before you buy anything. Take one full work week. Ask each team member to log their own hours twice a day, once at midday and once at end of shift, in a shared sheet. Compare that to the official record. Three things will surface. Who consistently under-reports. Which departments drift most. And whether the drift tracks a real workload problem or just loose supervision. That single week will tell you more about your business than a quarter of reports.
Only then should you pick software. The tool has to fit your reality, not the other way around. A restaurant with a rotating roster needs schedule-driven tracking. A construction company working at multiple sites needs location-aware clocking. A distributed office needs flexible-hour logic. If your team runs on annualised hours or a Bradford-style absence model, your tool has to speak that language natively or you’ll spend the first year fighting it. That’s the kind of thing you should confirm before you sign a contract, not after.
What the Research Actually Says About Presence
The instinct is to assume paid hours and productive hours track one to one. They don’t. We’ve had decades of evidence on the gap between time at work and time actually working, and the pattern holds across industries and countries. SHRM is a solid starting point if you want a neutral clearinghouse on workforce time, engagement and productivity research. The consistent finding is that manager oversight quality matters more than the number of hours scheduled.
Which is the case for the software in the first place. A time system doesn’t manage people. It removes the ambiguity that lets people manage themselves badly, and it removes the blind spot that lets good people go uncredited. Your supervisors still do the human part.
The Tuesday Afternoon Test
If you want a one-minute diagnostic right now, run this. Pull last Tuesday’s records for any single department. Look at the five minute block after every scheduled start time and the five minute block before every scheduled end time. Count how many entries cluster in those windows. If more than two-thirds do, your people are clocking around the edges of what you asked for. That’s your gap. It doesn’t need a consultant to explain it, just a shift in how you measure.
None of this requires you to become a surveillance boss. That’s the move I’d warn against most. Treating your crew like suspects burns trust faster than ghost time ever costs you. The right posture is transparency in both directions: they see their hours, you see the patterns, and the conversation is about workload, not guilt. Half the “problems” I’ve helped owners untangle were just people trying to do a good job inside a system that never gave them the information to do it cleanly.
Stop paying for the hours you think you got. Pay for the ones you can prove. Start with last Tuesday. What does your five-minute window tell you about your own team?
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