These are the 9 best Nespresso coffee machines of 2020: enjoy your coffee at any time

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These are the best Nespresso coffee machines you can buy based on their price range, whether you like plain or milk coffee.

Choose the one that best suits your needs with this buying guide and the comparison between the different Nespresso machines on the market.

Discover more stories on Business Insider.

In order to buy a capsule coffee maker, the most appropriate thing is to select the one that best suits you among the best Nespresso coffee machines based on the price currently on the market.

Read more: best coffee makers under 100


Now, to get it right when purchasing one of these devices, it is not only necessary to take into account its characteristics or the budget you have, but also your own needs.
What is the best Nespresso coffee machine? Comparison and tips to buy the most suitable capsule coffee machine

The best Nespresso machine for you depends on the use and the purpose that you are going to give it. Luckily, it is easy to answer this premise based on 3 points:

Type of drinks and use

Regardless of whether you choose to have a bar, professionally or at home for private use, you will have to weigh whether you opt for only coffee or milk drinks such as cappuccino.
In the event that you want to have other types of drinks, it is best to opt for compatible coffee machines. Of course, all Nespresso coffee machines, as well as compatible ones, have 19 bars and two modes: short espresso or lungo coffee.

Budget

The Nespresso coffee machines cheap can not be considered economic, but thanks to specific offers may acquire from 59 euros.

Space

While a professional Nespresso coffee machine takes up more space, the same is true if the coffee machine includes additives like a frother, steamer ( Aeroccino ), or a milk tank. That is why you must be aware of the place where you are going to have it.

Krups vs De'Longhi

Beyond aesthetic differences, both coffee machines have a similar interior architecture. In this way, simply opt for the one that is best for you aesthetically.

Although it is common to see different offers in the different shops and on the Nespresso.com website, both in coffee machines and in original single-dose capsules, it is possible to order Nescafé coffee machines by price range according to their characteristics, added, nature, quality/price, and use.

Icons capsule Italian espresso machine: 69 euros

This universal multi-capsule coffee machine has an adapter system for the different capsules of Dolce Gusto, Nespresso, and Coffee Express; as well as for Starbucks or infusions.
It has 19 bars, a minimum temperature of 69 degrees, and is suitable for any coffee maker thanks to its simple and intuitive handling.

Advantage

Automatic shutdown after 9 minutes.

Ability to store up to 6 used capsules.

Disadvantages

0.6-liter tank.

Users opinion

Guillermo comments that he has bought this coffee maker due to the possibility of using different types of capsules. "At the moment after a couple of deposits I am happy. Easy to use, for my taste the coffee comes out hot enough," he explains.
"The only downside is that you have to calculate the water so that the coffee is to your liking. The original ones in that aspect are better."

Buy the Ikohs model in white, gray, black or beige

Best cheap Nespresso machine

Nespresso Inissia: 99 euros

Its Flow Stop system automatically dispenses both espresso and lungo coffee. It also has a retractable tray for cups. Both the De'Longhi Inissia EN80.B and the Krups Inissia XN1005 have similar characteristics.

Advantage
Automatic shutdown after 9 minutes.

Ability to store up to 6 used capsules.

Disadvantages

0.6-liter tank.

Users opinion

The user Juan Luis maintains that it is a " good capsule coffee maker, it does not matter not metal, it is made of good plastic. Very discreet size, it takes up little space."

He also adds that the complaints he has seen about the small size of the water tank are meaningless. "In addition, Auchan capsules serve him perfectly, I ignore other white brands because only these have a good rating in a comparison of OCU capsule coffee machines, " he highlights.


The Philips model, despite being designed for L'Or coffee, was also created to prepare espresso coffee with Nespresso capsules.

Not only does it have 19 pressure bars and a 1-liter capacity water tank, but it is also the only compatible coffee machine capable of preparing a double coffee, in addition to lungo or espresso.

Advantage

Automatic shutdown after 9 minutes.

Ability to store up to 10 used capsules.

Preparation of double coffee.

Disadvantages

Size.

Users opinion

User Hispania says she liked that it is compatible with other Nespresso and white label capsules. " The only thing I would put down is that when you start pouring coffee it makes a loud noise, but then decreases," he explains.

"It is quite comfortable to clean and the water tank is one liter. You can make 6 to 7 coffees. It only takes 3 seconds to heat the water, from there you can make the coffee."


Buy the Philips model in black

Best cheap Nespresso machine

Nespresso Essenza Mini: 109 euros

In just 25 seconds this coffee maker heats the water so you can enjoy the best coffee. Even if you have both coffee modes preset, you can customize the quantities.

Advantage

Automatic shutdown after 9 minutes.

Ability to store up to 9 used capsules.

Disadvantages

0.6-liter tank.

Users opinion

Magdalena comments that she wanted a coffee maker that made good coffee and that didn't take up much space. "I am delighted. Also, you have 2 options for coffee, short and long, and the coffee comes out very hot," she says.



Buy the Krups model in red or white
Buy the De'Longhi model in black or white
Best compact Nespresso machine

This compact single-dose capsule machine is capable of fitting anywhere in the house. It is easy to use, automatically dispenses coffee and its folding support allows you to prepare cups of espresso or mixed with milk.

This Amazon user notes that it was exactly what he expected. "We already had the old model without Aeroccino, but with the built-in it is great since we always drink coffee with milk," he explains.


Buy the Krups model

Buy the De'Longhi model

Best quality/price Nespresso capsule coffee maker

Nespresso Pixie: 149 euros

25 seconds are enough for the coffee maker to heat up and you can have your favorite coffee at any time of the day. In addition to an avant-garde design, the Pixie model has a warning indicator for when the water tank is empty.


Advantage

Automatic shutdown after 9 minutes.

Ability to store up to 10 used capsules.

Disadvantages

0.7-liter tank

Users opinion

The user Fernando comments that you can program the duration of the short and long coffee, but all the rest of the things are manual. "Stop it whenever you want, you can add a little more coffee if you like ... and the coffee is great," he says.

Buy the Krups model

Buy the De'Longhi model


Best Smart Nespresso Capsule Coffee Maker

Nespresso Expert: 279 euros

The Nespresso coffee machine model with mobile connectivity allows up to four different cup sizes to be served. In addition, it has an energy-saving mode and allows setting the temperature.

Advantage

Automatic cleaning and maintenance notices.

Ability to store up to 12 used capsules.

Disadvantages


It has no voice control.

Weight of more than 4 kilograms.

Users opinion

Javier indicates that the coffee maker adjusts perfectly to the dimensions of a small kitchen since its aesthetics are very careful. " The coffee comes out with more intensity than in lower category coffee machines, " he says.

"It automatically removes the capsule, alerts you to its maintenance of water and hygiene. In short, a great purchase for lovers of good coffee."



Buy the Krups model

Buy the De'Longhi model

Best Nespresso coffee machine with foamer

Nespresso Gran Lattissima: 319 euros

Of all the Lattisima models this one stands out because it is the one with the largest milk and water tank; It can hold up to 14 used capsules and has cappuccino, caffe latte, and latte macchiato functions.

Advantage

Descaling notice.

Prepare the milk in 20 seconds.

Disadvantages


Milk tank of 0.5 liters.

Users opinion

This Amazon user notes that the coffee maker is " intuitive and compact ." Even with the integrated Aeroccino it is easy to use for any coffee lover.

Buy the silver model

Best professional Nespresso machine

Nespresso Zenius: 589 euros

This coffee machine for companies with less than 50 employees is easy to use, fast and efficient. It allows you to prepare ristrettos, espressos, or lunges quickly, just as if you were at home, but with specific buttons.

Why choose a Nespresso coffee machine?

Reusable coffee capsules

Beyond being the leading firm, it has managed to deal with competitors and imitators. It only remains to be seen how it will respond to Xiaomi's low-cost challenge along with the wide range of rechargeable capsules on the market.

Invariably, if something characterizes a cup of Nespresso coffee, it is not because each of its more than 20 varieties adjusts to each palate, despite the fact that their coffee machines do not prepare any other type of drink. Everything, thanks to its flavor.

Except for the Philips L'Or coffee machine and the Ikohs, no other on the market has 19 pressure bars and a temperature of 90º when preparing coffee.
It is true that from 9 bars it is enough; but the difference between Dolce Gusto's 15 and Nespresso's 19 is noticeable.

In addition, Nespresso coffee machines are not only designed for homes, but it is also possible to find professional models. This means that not only is there a permanent innovation, but its coffee machines are consistent and durable.

While there are users who have had the same Nescafé capsule coffee machine at home for ten years, other brands cannot boast the same longevity in their articles.

Read more: This is how Amazon is winning the war of Nespresso and Dolce Gusto compatible coffee capsules

This does not mean that its competitors should not be underestimated, as they offer a greater range of drinks than Nespresso, even more, competitive prices in their coffee machines. Amounts notorious especially in the models that incorporate a skimmer or similar aggregates.

And it is that all this is combined with an accurate advertising campaign, elegant designs, and a mechanism that provides speed in the preparation of espresso coffee of less than a minute even for those who are not baristas.
A ritual that can take up much more of your time, and your budget, in the event that you choose to buy good coffee beans, a coffee grinder to match the correct espresso machine.
All a declaration of intent of the brand that unseated the leader of the sector long ago, Keurig. A firm that introduced capsule coffee machines to the market in the 90s.

The Nespresso case: where does its fame lie?

Beyond the famous capsule coffee firm of Nescafé, whose most visible face is the American actor George Clooney, there are several brands that offer a great alternative for our palates.


Tassimo, L'Or, Lavazza, or Dolce Gusto itself, also from Nescafé, are high-quality alternatives as well as popular; but they do not have that perception of quality and excellence that currently surrounds Nespresso.

It is for this success that many firms have wanted to join the offer of capsule coffee machines; but they did not manage to enter the market as successfully as they did with their own capsules.

Read more: Best coffee maker under 100


And it is that El Corte Inglés, Mercadona, or Lidl have managed to reinvent themselves, while Carrefour, Media Markt, and other large stores have opted for price reductions with very attractive offers. Case of which Amazon is detached because the e-commerce platform of Jeff Bezos after seeing the bulls of the barrier has managed to give a lunge in the market. Clear strategy in its white brand of Solimo capsule coffee.

At the end of the day it is an x-ray in search of a Holy Grail that is so obvious that it obscures its small details. And is that Nespresso's fame is based on 3 pillars :


An outstanding coffee (raw material).

Capsule coffee machines that perfectly imitate espresso (90º and 19 bars).

Excellent quality/price.

Innovation.

A great marketing strategy.

Best selling and popular Nespresso coffee machine models

Nespresso Inissia.

Nespresso Pixie.

Nespresso Essenza Mini.

Nespresso Lattissima.

Nespresso Grand Master.

Most popular Nespresso capsules and their price

Within the Nespresso catalog there are more than two dozen capsules with prices per unit ranging from 34 cents to just over 0.50 euros.
Of course, it depends on the variety; But the firm is aware of this and rewards its users with multiple offers throughout the year in its coffees, making up for the difference in price with its competition.

The best online shopping sites in 2020

To define which are the 'best' e-commerce sites in Italy in 2019 numerous factors come into play, and the classification can be very different depending on the angle from which we do it.
Recommended reading: The 20 best online electronics stores

Let's proceed with a useful simplification.

By taking Amazon as the central hub of e-commerce, and by referring to its leadership as a benchmark, we have identified 10 possible alternatives that are able to compete from various points of view.

In general, in fact, there are also some contraindications to using Amazon.
For example, the fact that some brands do not sell their original products on this platform, forcing whoever wants them or to buy them used or to buy them new on external sites.

Or the fact that in some countries Amazon is not a partner of cashback services, thus not giving the possibility of obtaining re-credits on what you buy.
Starting from spring 2019, Italy began to have partnerships to obtain cashback on Amazon: the first sites to offer this possibility were Beruby (which returns up to 8% of cash back for purchases on Amazon) and Bests Hopping (which reaches 7%).

UPDATE MARCH 2020:

From 1 March 2020 Amazon has again decided to terminate the partnership with all major cashback sites in Europe. This occurred after the company's European Conference and relates to Amazon's marketing choices specific to each different market in which it operates. It is possible that cashback may come back in the future, or come and go periodically.

Sites similar to Amazon: the updated list 2020

Here is a list of e-commerce sites that can be considered most viable - at least sectoral - alternatives to Amazon, with characteristics and peculiarities that in some cases are even preferable to the original.

1. For used products: eBay

eBay is a historic giant of online sales and auctions that has been operating in Italy since 2001. It is considered, together with Amazon, to be the largest internet marketplace (at least for Europe and America).

You can access the platform through the 'Buy' function to buy products for sale or auction, or 'Sell' to create and manage your own seller space.

you may visit for shopping online shopping bangladesh home delivery

2. For electronics: NewEgg

NewEgg is an online sales portal for technological and electronic products. It is a site similar to Amazon in terms of the offer of computers and accessories, office solutions, home devices, and electronic components.

Best NewEgg cashback: up to 2.4% on Dubai

3. For music: eMusic

eMusic is a web music store founded in the United States in 1998. It has over 300,000 members and is an excellent alternative to Amazon's music offering ( Amazon Music Unlimited ) for listening to and downloading music in digital format.

4. For craft products: Etsy

Etsy is a large online marketplace, founded in the United States in 2005, where you can both sell your goods and buy from sellers on the site. He specializes in craft and vintage products.
In its niche, it can be considered a market leader at least on the same level as Amazon and eBay. Arrived on the homepage you can choose whether to use the platform as normal users or whether to register a seller account instead.

5. For general shopping: AliExpress

AliExpress, the platform owned by the giant Alibaba, is e-commerce formed by the union of small Chinese companies that offer their products and services to an international audience.
The catalog is vast and generalist and ranges from clothing, telephony, computers, jewelry, household items, beauty products, to car accessories.

6. For high-tech products: ePrice

Born in 2000, ePrice specializes in IT products, films, DVDs, and household products. With a catalog of over 400,000 items, the website boasts over 12 million visits each year.

7. For clothing: Privalia

Born as a private club for online shopping, Privalia is proposed as one of the best online shopping sites for clothing. Over six million members worldwide can benefit from numerous sales campaigns, with savings of up to 70% on designer clothing.

8. For travel: eDreams

Many millions of travelers from all over the world choose eDreams, one of the best online shopping sites specializing solely in travel and holidays.
This digital travel agency offers hundreds of low-cost solutions every day: from hotel reservations to simply scheduled flights, from vacation packages to car rental assistance.

9. For deals and discounts: Groupon

Groupon is a leader in discounts and in the buying group sector. Groupon users can access daily offers of coupons and discount coupons to be used at a very wide range of commercial activities or services. Well known and used in Italy for several years, Groupon is the ideal solution for those looking for very convenient offers on products and services of various kinds, especially in the local area.

10. For books: IBS.it

Born in 1998, the Italian portal IBS is proposed as one of the best sites for online shopping specializing in books, music, films, and video games. Reliability and efficiency are the strength of this online store, which boasts tens of thousands of customers every year.

Conclusions

In this article, we have seen how the growing trend of online shopping in Italy and in the world has increasingly significant figures and increasingly clear trajectories.

Finding your reference online shopping sites becomes more important every day: in fact, there is not only Amazon but on the contrary, there are very interesting alternatives and in some cases even preferable. Having a complete overview of the world of online shopping will, therefore, help you make convenient choices on the most reliable e-commerce.
What are your favorite sites? What would you recommend besides those on this list as an alternative to Amazon? Share your ideas in the comments below!

7 secrets to becoming a Graphic Designer worthy

Every new graphic designer aspires to always give his best. However, this isn't easy. You have to work hard, and a lot. It is necessary to develop an excellent artistic sense in order to feed that indispensable factor to be a good graphic designer and that is the predisposition.

Marketing (on the web and on the street) and communication skills are immediately successive conditions and should not be neglected but cultivated day by day, work on work.
You need to know where to sell your skills and how to capture customer interest. There are hundreds of tips and tricks, but I would like to share with you what I believe are the seven great secrets of becoming a superstar in graphic design. The best graphic designers understand these secrets, which is why they are the best.

Let's start immediately with the first secret ...

7-Secrets-to-become-a-graphic-designer-to-success


# 1 Communicate - Relate - Share
Become an active member of a graphic design community (whether it's virtual or near your home) and interact with other graphic designers like you to see and understand how they think. Communities, forums, and social gatherings allow you to relate to new people, share ideas, knowledge, styles, and grow as a professional.

This is the best way to get good visibility in a short time, creating professional relationships, and acquiring important knowledge regarding the field of design.


# 2 Expanding - Improvising - Adapting
Being a good graphic designer means being flexible and adaptable. Don't limit yourself to just one field. Expand your skills and explore different areas of digital design. This will help you potentially acquire a strong customer base, and in the meantime never stop honing your knowledge.


Improvise and experiment with more styles in your work projects in order to master more graphic software over time. Knowing thoroughly the 2d and 3d drawing modes is certainly an excellent point in favor. Last but not least, immediately challenge yourself by offering yourself as an "on-demand" graphic designer in the hottest sectors such as catering.


# 3 Evolve - Learn - Update
[Tweet “You can never say," I know everything. " The graphic designer never stops studying and learning. ”] Every day you can get to know new tricks and tips, explore new strategies, and even manage to produce brand new ideas.

Stay up to date with the latest design trends and dedicated software (you can also focus on the programs most closely related to what you do). But don't forget to manage your time. The more up-to-date and versatile you are, the more likely you are to be contacted for a job.

i-secrets-to-become-a-good-graphic-designers


# 4 Read - Read - ReadIt is important to read, document, and deepen your knowledge on the psychology of color, on the basic and advanced concepts of design and typography. Make sure you follow the latest trends and news on the latest industry software.

Graphic design is not only fervent imagination: I like to define it as a tameable art that can be modeled according to the needs of a sector. This is what graphic design books, websites, tutorials, and professional blogs must teach you.


# 5 Experiment - Experience - Understand
Practice with different design styles and various color combinations. Aim for innovation to create your works. Think outside the box, avoid commonplaces, and common tendencies. Playing with graphics software is a good exercise and a great way to learn various techniques.

In this way, practical knowledge is accurately defined. Also, don't hesitate to consult your friends and colleagues for their opinion on your work. This will help you understand the flaws and improve the "yield on the field". Of course, not all the feedback you receive will be worthy of note, but don't worry, listen to your interlocutor carefully and skim the feeds most relevant to the project you have exhibited.

 for a course Graphics Design Training 

# 6 Search - Get inspired - Create
Avoid looking for inspiration in other people's work if your purpose is to be original. The first idea you could get for a project you're working on won't always be unique because, with thousands (and maybe more) of graphic designers out there, it's possible that your idea has already been "caught".

Seek inspiration from the surrounding environment, from nature, from people you know instead of focusing only on designs or trends present online because looking for the right inspiration does not mean copying the models already on the net. This point is as important as it is risky: copying existing ideas or projects will directly undermine your credibility as a professional designer.


# 7 Aim - Aim - Win
If your goal is to be the best then this will hinder you in developing your skills. Rather, try to keep the level of learning high and do not hesitate to ask questions when you are faced with something you do not understand.

Become an active part of the design community and share your knowledge as a graphic designer with others who, in turn, will not disappoint you when you have a question to ask. Meet customers' needs and do your best to understand their business. This will help you overcome even the most complex challenges, allowing you to build an excellent portfolio and be known as a professional graphic designer.

Well, we have come to the end and after all these "secrets" what do you think is the truth to follow?
hat else do you think a superstar chart does? What is it that the best designers do differently?

How to buy an oncologist

A Hamburg company is said to have bribed cancer doctors across Germany so that they can order expensive infusions from him. It uses a legal loophole.
A few minutes before nine o'clock, the crowd of police transporters turns into the commercial area in the northeast of Hamburg. The vehicles stopped at Albert-Schweitzer-Ring 18 in Jenfeld, dozens of riot police marched in a long line into the company's building. Six and a half hours later, the officers from this and the neighboring building will pack hundreds of boxes of evidence into a truck: contracts, billing documents, copied email boxes.

It is the largest raid ever ordered in Hamburg in a white-collar crime case. 420 police officers strike simultaneously in 47 locations on Tuesday morning. Doctors' offices are searched, five pharmacies, a hospital, several company headquarters, private houses, even bank lockers are opened. It's about bribery. The focus is on the Hamburg company ZytoService. The market leader in the production of infusions for cancer therapies is said to have systematically bribed doctors in recent years. The company did not respond to a request from ZEIT ONLINE regarding the allegations. 

read also online shop BD
It is not the first suspected corruption in the billion-dollar cancer drug market. But the case has a new dimension because, in addition to classic bribery, a new method is at stake: instead of promising doctors in secret meetings money on numbered accounts abroad, doctors are bought quite openly and at first glance legally.

With the money from international investment funds, ZytoService has bought oncologists all over Germany from their practices in the past few years and turned them into medical care centers, or MVZs for short. It is actually forbidden for pharmacists or pharmaceutical manufacturing companies such as ZytoService to participate in medical practices and thus control the demand for their own products. Medical decisions should be based on the patient's well-being, not financial interests. But the law leaves a loophole that ZytoService is said to have used for its business model.

If you want to understand how this model works, you have to look at the complicated cancer business. For months, ZEIT ONLINE and the NDR magazine Panorama have researched the company structure of ZytoService, talked to skeptical doctors and cheated pharmacists, visited financially weak hospitals and were allowed to look at infusions that cost as much as a mid-range car. This story begins more than 15 years ago. With three pharmacists who want more.

Three pharmacists recognize the cancer business

In 2002 the three Hamburg pharmacists Enno S., Thomas B. and Thomas H., then all-around 40 years old, decided to work more closely together. They think they have discovered a gap in the market. The manufacture of infusions for the treatment of cancer, as they called it, could be professionalized. Instead of in small laboratories in the pharmacy, the infusions are to be produced on a quasi-industrial scale in the large laboratory. They found ZytoService GmbH, received approval in 2006 as a pharmaceutical manufacturer and began to produce on a large scale for other pharmacies.

It is a cynical finding for all sick people, but the cancer business is gigantic - a growth market to this day. Almost every second German gets cancer at some point in his life, scientists at the Robert Koch Institute in Berlin have calculated. There are 1.5 million cancer patients in Germany today, and about half a million people are diagnosed each year. That is almost twice as many as 40 years ago. And there will be more. The likelihood of developing cancer increases with age. An aging population is more likely to get cancer.

A lot of money can be earned with the infusions against cancer, the business area of ​​ZytoService. The statutory health insurance funds currently spend seven billion euros each year on cancer medication - of which they pay 3.8 billion euros for infusions that are prepared individually for each patient in special laboratories.

When the three Hamburg pharmacists founded ZytoService at the beginning of the millennium, the total was less than a third as high. Back then, they were expanding in a growing market - also with the help of investors. In 2008 the Caption investment fund acquired a stake in ZytoService. A large laboratory is being built in Hamburg for 7.4 million euros. At the same time, the company begins lobbying. Co-owner Enno S. founds the "Federal Association of Recipe Manufacturers", whose president he is to this day. The association represents twelve members. The association is viewed with corresponding skepticism - especially by pharmacists.

Doctor and pharmacist - a lucrative connection

The cancer drug market is special. The custom-made infusions are extremely expensive, for a single patient they often cost several thousand, sometimes tens of thousands of euros. In contrast to other specialists, the oncologists do not have to hand over their prescriptions to the patient, but instead forward them directly to a pharmacy with a special laboratory. It is correspondingly lucrative for pharmacists to retain a doctor.

9 tips for managing your family budget.

How to manage the family budget well? This question comes back when the bank account is in debt, the money is missing to finish the month. There is a week or more left to collect the salary. Before that date, the many needs of the family must be met! So, anxiety, disappointment, stress overwhelmed you and questions too.

Why can't I manage the family budget well? Because of my salary below the needs of the family? Inflation that lowers purchasing power? More and more costly needs?

Let's first take a look at the 9 essential points for keeping the family budget in good shape. Because managing the family budget well makes it possible to know and master family finances.

Motivation: What are your financial goals? The best way to mismanage the family budget is to start without motivation and without financial goals. A family budget is kept day after day, month after month and year after year. Contrary to what it might suggest, it is not tedious. But we must clearly define the goals by keeping this budget. This leads to strong motivations, deadlines, and quantified targets.

Example: switch from a debit account to a credit account in four months and reach monthly savings of x euros.

read also family budget tips

Understand the family budget: it is not a question of simply recording income, expenses and the difference between the two, but of making forecasts on all the elements of the budget. It is then possible to know in advance - for a given month - how much the expenses exceed the income. And the actions to be taken to balance the budget. Expenses: to control this side of the budget balance, it is absolutely necessary to focus on all expenses, identify them, categorize them, quantify them by period (week, month, year). Income: wages, family benefits, windfall earnings, investment income, interest received, donations, all income must be entered in the budget.

The amount to be received must be quantifiable, predictable and secure like the salary.

To note in the income an amount which must be reimbursed to us when it is a simple promise and to make expenditure forecasts on this basis seems a little light, isn't it? The result: after recording the expected expenses and income, a simple subtraction gives an idea of the state of family finances. Either, the expenses are greater than the income and it is necessary to find the necessary resources to finance the difference (most often the credit card). Either, the incomes are above expenses and the family has the means to finance its projects for the future: purchase of the family home, financing of children's higher education, savings, etc.

Savings: with inflation, the growing needs and the current state of the economy, saving is becoming more and more difficult.

I know, you've already read and heard this sentence.

I believed in this, but I can tell you this: whatever the current state of your finances you can save a fixed amount every month and reach the desired amount at the end of the year. How? 'Or' What?

The answer to the article: Yes! you can save! The proof.

Monitoring and analysis: a well-managed family budget requires regular monitoring:

- to record expenses and income,

- adapt actions in order to reduce this or that expense,

- reflect on the differences between the planned and the achievement,

- knowing perfectly where the family's money goes and what they can afford with their income.

Budget types: weekly, monthly, annual, cash-based, or more complex budget with the management of different accounts.

There are several types of budget suited to the family's financial situation.

But you must carefully choose the type of budget to use in order to adapt it to your realities, to manage the family budget well with ...

The budget supports: This involves setting up an easy filling system. The simplest is the notebook. I can still see my father carefully recording the family expenses every night.

But it would be a shame to do without today's sophisticated tools: spreadsheet (Excel, Calc, Lotus, etc.) or family budget management software for PC or Mac. Some software can even be used on smartphones.

SAFETY BELT SAVES LIVES!" CHILD SAFETY - PRIORITY

Starting today, February 14, the provisions regarding the mandatory use of seat belts and child restraint systems in vehicles come into force. With the new regulations, no other changes are made to the legislation on traffic on public roads.

Starting today, the provisions of Government Decision no. 11/2015, which transposed the Community legislation regarding the technical norms for applying the provisions of the Emergency Ordinance no. 195/2002 regarding the circulation on public roads, regarding the compulsory use of the safety belts and the systems for fixing children in seats in vehicles, introduced by the Government Ordinance no.
According to the new regulations, children up to 135 cm in height can only be transported in vehicles if they are fastened or fastened using a child restraint device.

Also, children over 135 cm in height can only be transported in vehicles if they wear adult seat belts, adjusted so that they do not pass over the neck or face area, or if they are fastened or fastened using a fastener. in the child seat. There are exceptions. Thus, the child restraint is not required if the child is in a vehicle intended for public transport, as well as in the taxi if it occupies any place other than the one in the front seat. minicab bethnal green
At the same time, it is exempted from the obligation to be fastened or caught using a child restraint device or to wear a seat belt during transport, for which the child is issued a medical exemption certificate for serious medical reasons, in to mention the condition that contraindicates the wearing of these safety systems. The driver of the vehicle has the obligation to have his medical certificate, in whose content the duration of validity must be mentioned.

In these cases, the transport of the child is carried out on the rear seats of the vehicle, and in the case of the child up to 3 years, the transport is performed under the supervision of a person other than the driver of the vehicle.

Please note that the child restraint device must be approved and suitable for the physical characteristics of the children and installed on the rear seats of the vehicle, according to the mounting instructions provided by the manufacturer, which indicates how and in what way. which types of vehicles the system can be used safely.

By way of exception, the child restraint devices can also be mounted on the front seat, by facing the opposite direction to the normal direction of travel of the vehicle, only after deactivating the front airbag corresponding to the seat.

We remind that, in accordance with the legal provisions in force, the driver of the vehicle is sanctioned with 4 - 5 fine points (390 - 487.5 lei ) and 3 penalty points in the case:

- failure to comply with the obligation to ensure that minors wear seat belts or are transported in fasteners in approved child seats, under the conditions provided by the regulation. - non-compliance with the provisions regarding the transport of children in vehicles that are not equipped with safety systems.

The aforementioned normative act does not bring any other changes to the legislation on the movement on public roads, not being "a new Road Code".

Taking into account the provisions of Government Decision no. 1,091 of December 10, 2014, for establishing the minimum gross basic wage in the country guaranteed in payment, published in the Official Gazette of Romania, as well as the provisions of the Government Emergency Ordinance no. 195/2002 regarding the movement on public roads, starting with January 1, 2015, a fine point represents, in value, 97.5 lei.

The use of personal protective equipment for road safety: comparison between observed and reported data

Andrea Nucera 1, Alfredo Ruta 2, Laura Marinaro 3 and Maria Chiara Antoniotti 1
1 Suprazonal Epidemiology Service, ASL NO, Novara
2 Epidemiology, ASL CN2, Cuneo
3 Integrated Prevention Department, ASL VC, Vercelli

Road accidents are the main cause of death and disability in the population under 40 years of age and represent a priority health problem in Italy (1). Among the measures aimed at mitigating the consequences, individual safety devices have shown great practical efficacy (2). For this purpose, the Highway Code lays down the obligation to use a helmet for motorcyclists and safety belts for those traveling by car. To monitor compliance with the legislation on the obligation to wear these safety devices and to verify the effectiveness of the policies aimed at promoting their use, it is necessary to reliably measure their current use.

Most commonly, the prevalence of use is measured as a reported habit, through self-filled interviews or questionnaires, or as behavior observed directly on the street. Both methods have advantages and limitations, for example observational studies are more precise but are expensive and based on one-off observations. On the other hand, interview-based studies are economic but may offer a deformed image of reality, because respondents often tend to present their habitual behavior as conforming to prudence and norms, while in reality, it may not be so (3).

Starting from 2007, in the health companies of the Piedmont region, as in most ASLs in Italy, the data reported on the use of safety devices are reported regularly, every year, by the surveillance system Passi (Healthcare Company Progress for Health in Italy) (4), but there are no assessments regarding their validity. Since in Piedmont, during the continuous collection of data carried out by the PASSI system, the use of safety devices in cars and motorcycles was detected, through observation, we were able to compare the results of the two systems, in order to assess the validity of the data reported.

Between April 2007 and March 2008, in the Piedmont region, suitably trained ASL staff conducted the Project "Road Accident Surveillance Activities" (ASIS) detecting, through road observation, the use of individual protection systems for road safety, in particular, "by estimating the proportion of front and rear drivers and passengers who use the seat belt, the proportion of motorcycle drivers who wear helmets and the proportion of children correctly insured by child seats" (5). For this purpose, a protocol has been prepared in which the methods of detection and sampling sites have been defined, specifying the observation points, by type of road, in order to achieve representativeness of the regional road network (5). Gatwick Airport Minicabs Service
In the period June 2007-December 2008, the PASSI surveillance system estimated the habits of the population regarding the use of security systems, by telephone interview on a representative sample of the population aged between 18 and 69, with the aim, between the other, to estimate the reported prevalence of use of the safety devices. To facilitate the comparison between the two data collections, only the responses of people who declared to use the "always" were taken into consideration. The comparison was made on the head obtained from the results obtained by the two detection systems.

The table shows the percentages of use of the security systems at the regional level and the confidence limits. For the use of the front seat belt, the prevalence of habit estimated by PASSI is 13 percentage points higher than the prevalence estimated by direct observation, a statistically significant difference.

For the rear belt, the difference between the reported habit and the observed behavior is 3 percentage points, with overlapping of the confidence intervals and, as regards the use of the helmet, the estimates are both very high and identical.

The results of this study show that, in Piedmont, the PASSI surveillance returns a reliable picture regarding the use of the helmet and the rear belt, while it tends to provide too positive a description of the use of the front belt. In fact, in this case, we are led to believe that 9 out of 10 front travelers wear the belt, while the observed figure is between 7 and 8 out of ten.

This result is not unexpected, because several studies have shown that the prevalences based on self-reported data are generally higher than those drawn from observational data, a fact - generally attributed to a bias of social desirability - so in countries like ours, in where the mandatory legislation is in force, should be corrected by a factor between 1.2 and 1.4 (6).

However, it is necessary to report the limits of the comparison between ASIS and PASSI. First of all, the two surveys reveal different phenomena and the prevalences are calculated with different numerators and denominators, so a rigorous comparison is not possible. In ASIS the behavior adopted by the occupants, even non-residents, of vehicles circulating in the ASL/region territory is studied, while in Passi the habit of drivers/passengers residing in that ASL/region is studied, regardless of where and how much they circulated.

Furthermore, PASSI interviews people between 18 and 69 years of age, therefore it excludes minors who are common users of motorized two-wheelers and older people who also drive and are transported by car.

Finally, in the ASIS study, certain categories of means of transport are excluded from the observation, such as trucks, public transport and police vehicles and carabinieri, whose safety habits are not described, but which may be different from the rest of the sample.

While taking into account these limits, the comparison, in general terms, supports the idea that the data reported on the use of road safety devices can be better interpreted taking into account the results of the more expensive observational studies, carried out at multi-annual intervals. In fact, the advantages of studies based on telephone interviews, such as PASSI, are the regular availability of data at low costs, in addition to the representativeness of the local population and the possibility of studying the individual characteristics associated with non-compliant behaviors. Furthermore, due to the characteristic of the PASSI surveillance of continuously collecting information, it is possible to detect changes in behavior deriving from appropriate information campaigns.

Specifically, it can be concluded that PASSI, in Piedmont, produced in 2007-08 an image practically superimposable to that provided by direct observation, to monitor the use of the motorcycle helmet and the belt for travelers on the rear seats of the auto, while it provided a higher estimate of the use of the front seat belt compared to ASIS. it is necessary to take these values ​​into account when interpreting the data correctly so that they can be used by law enforcement, planners and decision-makers.