In our current world economy, we are all trying to find ways to lower our monthly bills. All of us want to learn how to spend less money on food, ways to lower our transportation costs, and ways to lower our utility bills. We all would like to reduce the amount of money we pay for electricity and other energy sources. There are many things you can do to improve the energy efficiency of your home, and save money in the process.

Turn out your lights when you are not home. When you leave the house, leave on as few lights as possible. For safety reasons, lots of people like to leave on a light or two, but make sure that you do this only when it is absolutely necessary.

Make sure your house is properly insulated. This will help the house to maintain higher temperatures and reduce the amount of heat energy necessary during the winter.

If your computer or other appliances have an energy-saving mode, make sure that you choose this setting.

Unplug your cell-phone charger when you are not using it. If you leave it plugged in while it is not charging anything, you are wasting electricity.

Install fluorescent light bulbs. They use much less energy than traditional light bulbs. Also, make sure that your house has windows and skylights that allow you to optimize your use of daylight.

Limit the number of electrical devices you are using at once. If you have the television on, turn off the computer. If you are listening to the radio, make sure the television is not on. This is good for peace of mind as well as cutting costs.

These are just a few ways that you can save energy. You also might consider having an energy efficiency expert evaluate your home to figure out other ways you could cut down on your energy use. This will benefit the environment and your budget!

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I deal with S1 attorneys all day every day and most of them are entrepreneurial, hard working and interested in helping you in any way they can but there are also a lot of bad ones out there. If you are taking your company public the last thing you want is a broke as a joke s1 filing agent.

I recently had the misfortune of working with (for a very short time I might add) a New Jersey lawyer who had us all convinced by her pepper gray hair and fluency of legal jargon as a second language and quick calls to what she had us convinced where big shot investors who had millions to put into this and other transactions we brought her way.

During initial negotiations she and I sat down in a coffee shop and went over her equity position and fees in the transactions that she’d be working on for us and it was pretty simple and straight forward. I would have my team organize and structure the company and transaction and she would simply file the s1 in exchange for 2% to 3% equity. Pretty nice payday for minimal work and gaining equity in an average company producing $5m+ per year.

Ah yes, but when it sounds too good to be true it is and when it seems too easy of a negotiation…it is! When she sent us the contract she felt the need to add a few percentage points to the tune of 7%, making a total of 10% equity and she also was charging an extra $10k to fill in the blanks on your prototypical PPM doc. Why did she jack up the price? Her response was, “This S1 will have comments”. I almost died laughing. Of course it’s going to have comments with the SEC, that’s why it’s called the ‘comments’ stage.

We talked her into taking 2 payments for the $10k, half upfront and half on completion but we really should have dumped her right there. She didn’t want to keep her word on that either so I paid her the last payment before the fee was due and just got rid of her.

Turns out she never filed an s1 before and her whole act was a sham. She was desperate for cash and nickled and dimed us the whole time. I laugh about it now but it wasn’t funny when it happened. We lost over a month of transaction time because she couldn’t tell the truth.

The client was going public on the OTCBB with a valuation of around $5m, her suggestion was to raise capital pre public for $1 per share because the company would have a hard time qualifying for the NASDAQ if it started at anything less than $1. This company was years away from even considering the NASDAQ as an option but her in experience and need to prolong the deal to rape us for fees was so blatant and careless that she did everything she could to add as much confusion to the deal as possible so that no one knew what was going on, therefore she got away with a lot and was able to pick our pockets for weeks before we got rid of her.

The moral of the story is this: not all attorneys are rich. The truth is, most are very modest as far as their earnings. There is too much competition these days so there are predatory lawyers out there that will lie, double talk, triple talk and run you around in circles. All the while the clock is ticking and they are billing you like it’s going out of style. Watch your back with the dead broke S1 lawyer.

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The good news for the Kansas City Chiefs as they prepare for the start of the NFL regular season is that their starting quarterback is back at practice. The bad news is that they still don’t know when hell be able to play. Matt Cassel returned to the Chiefs practice field on Monday for the first time since he injured his left knee in a NFL preseason game on August 29th. Still, there’s been no confirmation from either he or the team as to when hell return to action. It would be an ironic twist if Cassel lost significant time due to injury, as it was a knee injury to Tom Brady while in New England that first brought him mainstream attention

Cassel, who saw his stock shoot up precipitously as an NFL QB following his solid play in New England after starter Tom Brady went down to a season ending injury, signed a six year, $28 million contract with the Chiefs in the off season. Although Cassel was in full uniform at Mondays practice, head coach Todd Haley was noncommittal about whether he or Brodie Croyle would start Sundays NFL regular season opener on the road against the Baltimore Ravens:

“I think that as the week goes on, we’ll know a little bit more. We’ll know a little bit more with Matt for sure. But it was good that he was out there. He was able to get through some things. As the week goes on a little further, we’ll know a little more as far as where he’s at.”

“It’s good this is a long week. That will help with anybody who’s nicked up. I would say generally you would need to have a full practice to have a chance to play. Generally, you need to have a full Friday practice to have a chance.”

With or without Cassel, the Chiefs offense sputtered in the preseason scoring only two touchdowns. The lack of productivity cost offensive coordinator Chan Gailey his job and Kansas City stumbled to a 0-4 record in their NFL exhibition contests. Haley has taken over the offensive play calling for the time being, though it made no difference in the Chiefs final preseason game. Neither Croyle nor third stringer Tyler Thigpen was particularly sharp in preseason play, though Croyle got the most work and should get the nod on Sunday if Cassell is unable to play. To be fair, neither QB got much work with the Chiefs’ first team offense in the preseason either.

No matter who ends up under center for Kansas City as they start their NFL regular season, theyll face a tough assignment against the defensive tenacity of the Baltimore Ravens. The Chiefs will host the Oakland Raiders in week 2 of the NFL season before traveling to Philadelphia on September 27 for a game against the Eagles.

Ross Everett is a experienced freelance writer specializing in travel, casino gambling and NFL football handicapping. He is a staff handicapper for Anatta Sports where he is responsible for providing daily sports picks. In his spare time he enjoys fine dining, fencing and scuba diving. He lives in Southern Nevada with four dogs and a pet coyote.