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Join The Wealthy - Get your finances in order

Managing Stress Through Enjoyable Games

Managing Stress Through Enjoyable Games

Tension is the opposite of rest. It is not limited to the actual negative aspects of our everyday life. Even the most good events such as: marketing, jubilation, the birth of a newborn, and the union of marriage, can be extremely stressful. Thankfully, you can find enjoyable games in which you can experiment to relieve you of your anxiety.

Say Goodbye To Stress In A Flash

From shooting cows falling from the sky to fun word games, the possibilities tend to be seemingly endless with Flash games obtainable in the Internet today. You can find thousands for display games to relieve your stress threshold and most are free to play.

The best way for you to fill your anti-stress game collection is by doing couple of simple searches for Flash Games or perhaps Free Flash Games and preserving these sites in your book mark folder. The next time you’re feeling the urge to play, it’ll be easy as pie. Merely look into some of your own bookmarked Flash game titles and youre ready to go.

To Connect Or Not To Connect

Unless you want to connect to the net, there are a few built-in games that Microsoft Windows had contained in their operating system. Solitaire, Minesweeper, Pinball, FreeCell, as well as Hearts are great methods to relieve you stress. These games do not require search engines or social bookmarks and they are accessible anytime at your own disposal.

If you get tired of these games, several Websites offer computer games that are free time-trial versions. These games are normally shareware and could take a few minutes to download depending on your online connection. The variety of these kinds of computer games is essentially endless. You can choose from Puzzle Games, Word Games, Action Games, Shooting Games, Rushing Games and many more.

The advantage of computer games downloaded on the internet is that once you set them up, they do not require Internet connection to play. Additionally, when your free trial is over, you have the option to both purchase the game or even uninstall it to completely erase it out of your computer by using the uninstaller within the game.

In the world associated with Internet gaming, additionally, there are several different online games known as MMORPG (Massively Multi-player Online Role-Playing Game). They combine enjoyable gaming experience and participant interaction. This is a good anxiety reliever for the extroverts and a few of them offer free registration and play. A few hours of monster-bashing and also strategic questing will surely decrease the stress that you sense.

Why Online If You Can Go Offline

In case you are sitting all day at a computer, or when the stress you are feeling arises from the computer, sometimes the easiest way is to get up and just walk away. Poor Web connection and computer failures can become sources of stress too. There are game titles that are fun, pleasant and will not only reduce your stress but also stretch out you brain muscles.

Get a deck of cards and play a quick game of solitaire the old-fashioned way. You could also consider purchasing a book about Solitaire Games or perhaps Card Games along with your deck. There are several books printed for Solitaire-loving players and offers hundreds of game variations.

If you have a Slinky, utilize it and bounce that back and forth from hand at hand to put you focus on the actual toy and glance at the stress and difficulties slip away. Playing darts can be a good stress crusher. Hitting a focus on or even targeting a photograph of someone or something in which caused your stress can help to eliminate the stress that you feel. Just make sure that you clear other furniture from your vicinity because damaging them may add in your stress.

Brain workout routines will not only relieve your stress levels but also practice your spatial and non-verbal intelligence. The Rubiks Cube has been available for decades. You only need to take a few minutes of your time to match the color on one side because trying to match the colours of each side of the cube can be nerve-racking.

Crossword Puzzles are fun actions that can help you say goodbye to stress. Many crossword bigger picture books include mazes, word-find video games and other pencil puzzles. Purchase some which have puzzles ranging from an easy task to hard to engage in them according to your mood and stress degree. Some newspapers and magazines also provide crosswords puzzles and sudoku games.

Tax Preparation (2)

Tax Preparation

Tax is a compulsory charge or other levy imposed on an individual or perhaps a legal entity by a state or a useful equivalent of a state. Spending taxes on time is something that is mandated for legal reasons, and hence an exercise the law-abiding citizen should comply with. Let us discuss the measures involved in the tax preparing process:

The first step inside tax preparation would be to calculate your complete income. Your income alone is not the total income. Your total income is calculated by gathering different varieties of income – wages, alimony, interest, money won through lottery, profits acquired from real estate or even stock investments – and summing up all these amounts. While calculating your total earnings it is essential to collect every one of the relevant information of any type of money you obtained during the particular monetary year. You must become systematic in your tax preparation as IRS financial penalties for not providing your appropriate income can be serious.

The next step in the duty preparation process would be to calculate the total amount associated with deductions which you can connect with your total earnings. Deductions are mainly categorized as adjustments as well as exemptions, and itemized and standard deductions. Right after gathering all these write offs you need to subtract the quantity of your deductions out of your total income. It makes sense the taxable revenue and the number are able to be found in the table provided with the duty form. This helps you to know the tax amount you may want to pay for that economic year. The last part of tax preparation would be to deduct your fees already paid for example any credit due and also employer withholding. Following successfully completing these types of steps, you will know regardless of whether your payments and credit will certainly totally cover how much taxes due to the year.

If you wish to make certain you are paying the lowest tax amount possible, you have to devote a lot of time for your tax preparation. You should check out whether the itemized deduction amounts are more than your common deduction amounts. Your own standard deductions generally depend on your submitting status and are generally altered every year for the cost of living. It is seen that the standard deduction sum for many people is greater than their total itemized reduction amount. According to tax experts it is well worth computing the total itemized reduction amount during your duty preparation process. A few of the items which can be within the itemized deduction category tend to be State and local fees, medical expenses, purchase expenses, and mortgage loan interest.

All the changes are considered as deductions and the taxpayers are usually permitted to claim all of them. It is recommended one should verify his deductions extremely cautiously during the entire taxes preparation process. In accordance with law, every citizen and his/her dependents are qualified for a private exemption. For this reason, during your tax preparation method make sure that all of your being approved dependents have been incorporated for personal exemption.

The Rules of Renting

You’re finally taking the plunge and moving out on your own! Welcome to a life of independence, freedom and… bills. What a mood killer those pesky things are. Hopefully you’ve given some serious thought as to what your bank account will look like once you’re living the life. But if you haven’t, make sure you avoid these mistakes that nearly all first-time renters make so you don’t end up back in your parent’s basement.

While you can usually count on emergency money solutions through businesses like, the best idea is to prepare yourself for the worst. Don’t make the mistake of under budgeting or thinking things won’t be as expensive as they truly end up being. Before you sign your lease, sit down and make a budget for yourself, and make sure you overestimate when figuring costs for things that aren’t set prices each month.

Also keep in mind expenses that will pop up when you first move into your new place. There are generally application fees, security deposits, and fees to turn on electricity and cable. And if this is your first place and you don’t have any furniture, you can guarantee that your expenses will be pretty steep.

If you’re moving in with a roommate, be wary. While you might have been best friends your whole life, many a relationship have been ruined by living with someone completely incompatible. They may be fun to go to the occasional party on the weekend with, but is your roommate going to be able to pay the bills on time? Maybe they’re a lot sloppier than you realized. Remember that if you’re both signing the lease, you’re both legally responsible for the apartment, regardless of whose fault a problem might be. If your roommate bails halfway through the lease, you’ll be in just as much hot water as they are. So the moral of the story is to choose your roommate carefully.

One of the most important things to do when finding your apartment is to read the fine print. Make sure to check out the apartment before agreeing to anything (never rent something you haven’t seen) and while you’re getting the tour, make a checklist of fees they’ll expect you to pay. If you’re getting a special on the apartment, make sure you understand exactly what the special includes and when you can expect it to go away. If you’re receiving a discount on your rent for the first six months and you’re unable to pay full price once the deal is up, don’t sign the lease. The last thing you want is to start your adult life off at a collection agency.

Make sure you understand what you’ll have to pay upon move-out, as well. Will they charge you for repainting? Then don’t paint your room pink. If you’ve taken pictures and documented any damages upon moving in, you don’t have to worry about any additional damage charges they may try to hit you with.

Most of all make sure your priorities are straight. Think long and hard before you jump into such a big commitment.

Economic Recession A Wake Up Call

Economic Recession: A Get up Call

Economic recession is an event that no one seems to be happy hearing. Every time recession has been mentioned in everyday conversations, it seems that everybody participating shudder in fear anticipating the particular worst.

An economic recession is an economic decline that happens in two consecutive quarters. Some economists might say that this is related to series of events which generally recognized to be market correction. What is this series of occasions?

An economic recession comes about when there is more supply than the actual demand of the product. This leads to a decrease in the gross domestic product. What happens during economic recession is it provides a cooling off period regarding creating on new services that will interest the actual consumers and of necessity.

When compared to agriculture, it is common sense among farmers how the land needs an time interval between your harvesting season and next planting season. Sometimes farmers would plant a different kind of seed that is known to bring and improve the land again for the next planting season. Somehow this is applicable in financial and trade markets.

A few businesses would observe economic recession as the time and energy to reinvent. Time to innovate that will create new products that will create an industry hype and once more will encourage customers to purchase goods. Many companies who have switched their attention in searching for during economic recessions display high probabilities of being successful.

Since there is a large choice of products in marketplace trying to capture the actual unmindful consumers, the period regarding recession accelerates the caliber of products being available on the market. Since companies are trying to have the consumers money, they would likely to create improved product high quality, improved services from lower prices.

Since there are goods that would not sell, this would push companies as well as sellers to inspect their production methods. This is an excellent time in filtering out production methods as well as equipment that puts at risk the quality, efficiency and also speed of creating products.

An economic recession furthermore serves as a wake-up call for everybody to have a balanced investing. Everyone gets a heads-up about maintaining saving accounts up to date and saving for any event in the future. Sadly, some people may understand their lesson in the hard way. There would be several who would be proclaiming bankruptcy, while in worst instances, there are people who would choose to end their lives. Economic recession would have been a good time to rethink a persons finances.

Several considerable benefits of economic decline is low housing prices. Unless, the in the business of selling properties, low prices is not a very good news. However, if you are someone who is planning on investment and buying a property, a time of recession will help you possess the choices that you want. It is also a good time to search for investment properties.

Housing prices are not the only one that has low prices, company stocks are range undervalued during financial economic breakdown. A person who is looking for long time stock investment, economic depression periods would have shares that are undervalued must be lot of stock slots are more into promoting that acquiring stocks and shares.

MarketWatch mentioned other gains from an economic slowdown. MarketWatch mentioned that this might serve as a wake-up call for overconfident consumers and sellers who are missing out the importance of controlling finance. And also this would serve as a wake- up call for authorities to have a stricter finance price range since there will be cutback inside the countrys revenues.

Although financial economic breakdown is considered a negative event, it is time to turn the particular negative event right into a positive situation. It is time to wake up.

Stress Management – What Is It, And How To Use It

Stress Management: What Is It, And How To Use It

Regardless of all the conveniences open to us in this technologically advanced age, stress is still part of the general scheme of our lifestyles. Luckily, stress supervision provides comfort and release from these conditions that tends to affect the physical, mental and emotional health.

What exactly is Stress Management

Tension management are equipment, procedures and methods that enables us to take control of our problems and be sure that they don’t have an effect on our daily program. Problems that leads to anxiety that are specific anyway have different stress management techniques that may be applied to keep you inside balance and tranquility.

Breathing exercises helps big time!

Our body has a tendency to react during times of stress irregular breathing, sweating, aches and pains, slow metabolism and so on. Because these are all physical in nature, we have to deal with that in a physical way. One method is through inhaling and exhaling exercises which can affect your body in a serious way. Simply speaking, these exercises controls the particular flow of air in your body, as well as the distribution to different elements of your anatomy.

One method to do this is to depend your breathing. Breathing slow and heavy, relax your belly as you do so. Try to keep a rhythm and also follow it all throughout the duration of the workout. With enough practice, you are able to control your breathing quickly during times of tension which can help you unwind and alleviate a few of the negative effects in your body.

Relax your mind with meditation

Meditation is great way to achieve stress management, which deals read more about the mental than in the physical. This is how the old adage \”Mind More than Body\” kicks in. Meditation enables your mind to relax and concentrate on a single thought and let others drift away to nothing.

The skill of meditation have been used for centuries that started off as an offset of pagan religion. These days, many people practice this technique for different areas in life coping with work, emphasizing your tasks, or simply to relax your mind to remain in balance.

This is often quite hard initially but can be improved through practice. To begin with, try to look for a quiet spot where you will have the smallest amount of amount of distraction. Then you need to relax your body from your toes to your head. When you feel heavy then you are already peaceful (this will change to a light feeling when employed often), you can now pay attention to your mind.

Try to concentrate on a single thought or even imagine an non-living object. You might realize that you will be distracted simply by stray thoughts that seeps into your mind during the course of the exercise. When this happen, try to imagine your any watching movie. View these thoughts as if it was nothing as well as let it drift away to the next one. After a while, each one of these stray scenes will certainly cease then you have accomplished meditation.

Seek professional help

A psychiatrist can be a great help during periods stress. The specialist will help you accept the problems and in turn locate possible solutions without having letting fear as well as worry seep in your mind. They can help find the trouble places and help the arrive at solutions that you be hard-pressed to realize all on your own.

Dealing with stress could be stress in itself. But with a relaxed brain and the proper methods, you could take control of your life and not let stress control you.

life insurance policy

Introduction To Life Insurance Policy

Being a parent or as a partner, the best we could carry out for our loved ones is always to arrange for their needs once we do leave this kind of earth. This can be done simply by availing of a life insurance coverage. The need to provide a few guarantees for our receivers after our dying has given birth to a lot of companies offering life insurance coverage in this day and age. It is apparent that a life insurance plan is one of the most essential investments of today.

What Is A Lifestyle Insurance Policy?

A life insurance coverage is a guarantee around the life of the covered by insurance. Upon his death, the life insurance policy will give his beneficiaries a monetary sum. A life insurance policy is paid by the insured throughout his lifetime. This payment to get a life insurance policy is known as premium, and it should be satisfied every month to get a given period of time.

The amount of the premium for the life insurance policy is based on the age, wellness, gender, occupation as well as medical history of the person applying for such life insurance plan.

Who Needs A Lifestyle Insurance Policy?

Basically, every person needs a life insurance plan. But a life insurance policy becomes doubly important when you have a spouse, children, or any other loved one determined by you. A life insurance policy is the assurance you can prepare to make sure that the beneficiaries would go once you have passed away.

Death is a morbid even though for many people, but it is something as inevitable as midnight. A life insurance coverage would make sure that the ones you would leave behind could be taken cared of, even though youre no longer there to see to their needs.

Forms of Life Insurance Policy

You will find basically four kinds of life insurance policy.

1. Term insurance policy. A term life insurance policy is a life insurance plan that would deliver benefits to the insureds beneficiaries for as long as the insured would pass away within the phrase specified in the said term life insurance policy. The term in this life insurance coverage usually lasts for 5, 10 as well as 20 years.

2. Universal lifestyle insurance policy. A universal lifestyle insurance policy is known for its outstanding flexibility. With this type of life insurance policy, you can adjust the top quality and the policy to suit your needs.

3. Whole life insurance policy. A whole life insurance policy is like wines which becomes finer with time. The longer this type of life insurance policy goes, the more interests that builds up. Some of these very existence insurance policy programs also offer dividends for that insured.

4. Variable life insurance policy. A variable life insurance policy would allow the particular insured to decide on how the insurance should be invested. Availing of the variable life insurance policy is like having a managing share in a company. With a variable life insurance policy, you could tie the efficiency of the life insurance coverage with current financial trends.

Basic Overview Of Credit Score Ranges

Basic Overview Of Credit Rating Ranges

A persons credit record is essentially an ongoing look at his or her personal information, and offers a deeper insight on how well the individual manages his or her finances, and pays the money they owe. The individuals financial information is submitted to a credit reporting agency by lenders, debt collection agencies, the courts and other public or federal companies. Once a note or even comment has been made or perhaps added to the persons credit record, it stays right now there for sometime. When the note is a positive one, it helps to ensure that youll have an easy period availing of different forms associated with financing. A negative comment made by your lender on the other hand, will have a detrimental effect on your purchasing power. Heres a basic summary of credit score ranges.

Common Credit Score Ranges

Credit results generally vary a little bit, from one credit reporting agency to another. To develop the actual credit scoring system, the creditor generally weighs each of the major aspects, based on how each of the factors predicts whether an individual is deemed a good credit threat. Credit scores generally have an assortment between 300 as well as 850. Heres a lowdown of the standard rating range.

300 499 Bad Credit
500 580 Poor Credit
580 619 Reduced Credit
620 679 Average Credit
680 699 Good Credit
Seven-hundred 850 Excellent Credit

Regularly Monitor Your Credit Report

According to credit experts, a good to excellent credit report is often weighed as a future sign of your credit value, and if your own credit score is Good, in that case your future loans interest rates will surely be lower than normal. A bad to inadequate credit score on the other hand, will usually allow you to get higher-interest loans, which are costly to pay in the long term. Always ensure that you frequently monitor your credit report, since if you let your credit score to drop too low, then it may take quite a few years for you to get it to its desirable array.

Who Are The Major Credit Confirming Agencies In The US?

In the usa, there are three main credit reporting agencies, in which most creditors submit their clients payment history and personal information. The information submitted by your creditors about bat roosting credit reporting bureaus contain date of consideration opening, type of accounts, payment history for each and every account, late payments, unpaid child support, overdrawn checks, or virtually any foreclosures, suits, income attachments, liens and bankruptcy that are derived from federal and state agencies.

The major All of us credit reporting agencies consist of Equifax, Experian and TransUnion. Each of these companies independently operates coming from each other. This helps to describe why their data differ form the other person. If youre disputing any inconsistencies in your credit report, you need to send updates and corrections to each agency, because these agencies dont generally share details among each other.


How Can Graphic Performers Be Successful In Their On the web Jobs

If you are thinking of getting an online job, next freelancing would be the best option for you. These days, freelancing definitely one of the most sought after trends in earning money because those can work freely in the comforts of their own homes.

Experts say that more and more professionals and also skilled people are engaging in the bandwagon to getting online jobs because freelancers because the industry offers a lot more possibility compared to the usual eight-hour job.

Aside from giving you adequate freedom from all the hectic office schedule, being a freelancer also enables you to manage your personal time and choose your own path, so to speak.

An advanced graphic artist, you will find better chances for you to get a web-based job. This is because image designing is one of the market sectors where freelancing is abundant. Because the job can be arranged in the per project basis, more and more potential clients prefer to hire freelance image artists because they dont need to pay the artists just like the typical employees.

Simply understood to be \”self-employed, sub-contractors who market their design by the work to several buyers,Inch freelance graphic performers also serve as the boss, the office director, the secretary or secretarial pool, a part of the sales staff, the head and the staff from the marketing department, the maintenance staff and the postman all rolled directly into one person.

If you are into this field and you would want to accept freelance work or projects, then you definitely should start building, advertising and marketing your self by now. According to the majority of freelance graphic artists the first thing that one should possess is to possess a committed passion for a challenging job and clients as well.

To those who’re full time graphic performers and you are planning to move freelance, here’s a set of considerations you might want to ponder on before involving into an adventurous yet demanding work:

– determine and set your goals. Much like in any job, becoming a freelance graphic designer will require you to set and determine your targets before finally jumping over a new create. Since becoming a self-employed artist will consume much of your time especially if you’re just starting, you need to contemplate if you need to drop your day period job and if you can handle meticulous as well as demanding clients accessible. Part of determining and also setting your objectives is asking yourself what you are getting out of the job shift and just what made you decide to try this.

– check your enterprise acumen. Knowing different enterprise routes and focusing on how to run a business will definitely help you become a successful freelance illustrator or graphics designer.

– gauge your capability to determine. Decision-making is a very important aspect in going freelance. If you are really planning to move freelance, then you needs to have the heart and the thoughts to decide. Since you will end up making a lot of selections eventually, you should start learning how to decide wisely as early as now.

– analyze your overall attitude toward shifting to a new working environment. Getting an internet job is like taking 180 degrees change from your usual work setting. Before ultimately jumping into freelance writing, you should ask yourself how to deal with stress, possible being rejected, and competition. This could contribute to your success within your new line of work.

Living Wills And The Terry Schiavo Case

Living Wills And The Terry Schiavo Case

The story about Terry Schiavo as well as the court battles that her family as well as husband had to experience spread all over the country. It’s exposure on the news acquired opened people’s minds about living wills and just how these documents might save them from the great deal of suffering as well as difficulties. On top of that, that changed the awareness of Americans concerning death in general.

If the patient Terry Schiavo had written a living will just before her ill-fated collapse which led to severe mind damage, the expensive and highly publicized court hearings could have been avoided.

The painful question of whether to proceed the provision of life-sustaining actions, in the form of tube giving, should have been instantly answered by none other than Terry herself.

When a judge reached a decision to get rid of the feeding pipe, the patient’s partner Michael Schiavo made it a spot to publicly endorse the importance of making a living will certainly. This written, legitimately binding document would have saved him and his awesome wife’s family from all the problem and painful struggles of deciding for the individual based on their personal points of view about the situation.

After the case experienced closed, numerous Americans began to accept the tough and inevitable actuality of illness to begin powerlessness and consequently death. Because of this, more and more eligible folks had decided to draw up their own living wills and put their health care choices down on paper. Basically, people had be informed with regard to the problem and what they can perform to avoid falling in to the same difficult area.

What is a living all about?

If you’re still not necessarily well-versed about how living wills perform, then you better expand your understanding about these lawful documents as early as possible.

Basically, it is a form of superior directive that is written down on paper for the health care team to follow once the creator becomes also sick or disabled to communicate his or her choices about treatment. In this way, the attending medical professionals and the immediate loved ones would know whether the affected person would like to receive \”heroic measures\” or to discontinue all types of life-support steps completely.

A living may may be viewed as a legal expression of your wishes with regard to medical treatment. You may even appoint someone to become in-charge of deciding on your behalf in case the need arises. That person is usually known as a \”health care surrogate\” or a \”patient advocate\”.

When conversing about living wills, the particular question of timing typically comes up. People normally want to know when it would be best to make a living will. The answer is pretty simple. Given that state laws govern the making of living wills, the particular policies in one condition may differ in another. Nevertheless, the standard guidelines involve the following skills: legal age as well as sound mind.

Generally in most states in the U.S., the legal age is 18 years old and above. Then again, some says have set the particular benchmark a year more mature at 19 yrs . old, so be sure to determine these technicalities before deciding to write your personal living will. Aside from the age, certain actions must be done also.

In order for the residing wills to be valid, the appropriate form must be completed and the procedure must conform to the laws of the particular state you live in.

A few states necessitate the attendance of two qualified witnesses during the placing your signature to of the living will. The law may also require presence of a Notary Open public, together with the two viewers.

Customer service work at home

Working At Home As A Customer Service Agent

New York Times specifies that customer service work at home job opportunities have got increasing in Usa. Customer service jobs also known as call center jobs require employing agents within work at home customer service jobs. The main advantage of this type of jobs are that it provides revenue to stay-at-home parents and also physically challenged people.

Customer support work at jobs ranges from call handling to technical support. If you wish to such a job, you’ll need some basic essentials like a modern pc with internet connection, simple computer knowledge, most recent operating system, a phone link, excellent communication ability to handle varied consumers and of course some academic qualification.

How to get a customer support work, home work?

If you want to get a genuine customer service work at home career that would provide you intelligent income, then try to follow the under mentioned tips:

1. The first step inside betting a work in the home customer service job is always to understand the type of job. It is not that much challenging. The concept is that the organization hiring your service paths their incoming customer support calls to your home phone.

2. Then understand the kind of duties require to become performed. Most of the customer service jobs include taking and logging requests, processing transactions, offering assistance to customers as per their requirements and so on.

3. Discover the benefits of work at home. In fact work at home customer care jobs are boon to stay-at-home mothers, disabled folks, retired seniors and college students. If you are not in a position to step out of home but need to earn a few income, then you can select any of the customer service work according to your ability. Since agent hiring, instruction and scheduling effort is being conducted online, you need not even get free from your home to get a job.

4. Once you have decided to work at home, and then do great deal of homework to select a real home based customer service career. You need to browse through this list of companies as well as websites regarding this.

5. Then submit the application and resume towards the company you wish to. Constantly take care to prepare the application form properly just like you might do in case of other jobs.

There are numerous great things about doing customer service careers at home. Thats why one quarter of customer service real estate agents in North America commence work at home. The convenience as well as independence are the a couple of main advantages of customer support work at home jobs.

Watch requires creating customers and it is very important to retain an empathetic and trusting romantic relationship to ensure customer determination. Faithful customers certainly add to long term achievement of any business and so their requirements needs to be fulfilled as soon as possible.

Hence the overwhelming requirement for customer service jobs occurs. This situation provides a lot more job opportunities for you. If you’ve got the ability to do solutions regarding this, then you can earn some wise income at your handy timings.

It is estimated that work at home customer service agents are earning greater than the representatives employed in traditional call centers. By using work at home agents, the businesses also reduce break down in customer service work.

They can also save money on office rent, utilities and products. Therefore customer service perform jobs benefits both the companies and the work at home agents.