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<ul class="summary-list"><li>I've been a member of my local "Buy Nothing" group on Facebook for five years. </li><li>I've given away countless items to declutter my home. It always gives me a sense of satisfaction.</li></ul>A NASA space costume for Halloween. Check! A lampshade. Check! Two faux fir trees in matching urns. Check and check!These are some of the things I've given away to members of my <a target="_blank" class="" href="https://buynothingproject.org/">local But Nothing page</a>. For the uninitiated, <a target="_blank" class="" href="https://www.businessinsider.com/a-mom-shares-how-facebook-parenting-groups-can-be-lifesaving-2023-7">the group on Facebook</a> is part of a project for people to give away — and receive — unwanted items.It's based on the principle of "one man's trash is another man's treasure" and helps reduce landfills.My family is not quite at a <a target="_blank" class="" href="https://www.businessinsider.com/couple-bought-1940s-hoarder-house-photos-2023-10">hoarder level</a>, but we have enough junk to make us a borderline case. The garage is packed with everything from ski gear we never use to outsize Christmas decorations that no one likes anymore.There is a bike that is too small for the kids and boxes full of books. Our attic has a variety of plastic bins of clothes that no longer fit and a set of outdated silverware my husband inherited from a cousin.Slowly and surely, I'm offloading the stuff after posting photos of each item on Buy Nothing. Nine times out of them, at least one or two people will type the magic word "interested" in the thread.<h2 id="5a4ad779-8af3-41c1-a701-00fc9f815002">Some things get more attention than others</h2>I had a record 85 bids on some stainless steel shelves but no takers for a set of beige coffee mugs. It's disappointing when nobody comments under a post — "Have I got bad taste?" I'll ask myself — or the person who "won" the free auction flakes and doesn't show up as promised.<div type="image" title="Two tall glass vases standing next to a piano." height="563" width="750" msid="114636579" hostid="261" sizebytes="22538"></div>I've learned that the trick is to pick someone in the group you already know (we live in a small town) or set a deadline of three or four days for the pick-up.It's better to post things that tally with the season. Nobody wanted my pre-lit holiday reindeer for the lawn in March, but I just donated a <a target="_blank" class="" href="https://www.businessinsider.com/guides/home/best-halloween-decorations">Halloween tree </a>with bendy branches to someone hosting a party.I'm not practical enough to sort and select items from one messy room at a time. Instead, I'll chance upon something I no longer need and then post it online.A professional declutterer would probably advise me to discard everything in one fell swoop, but I prefer to do it at my own pace. I also get a sense of satisfaction from gifting things to individuals.I rarely get to meet the claimant who messaged for my address because it's easier to leave stuff outside on the steps. But I've got to know a <a target="_blank" class="" href="https://www.businessinsider.com/what-i-learned-teaching-in-public-school-for-23-years-2023-9">public school teacher</a> who often comes to take books and nearly new toys.The nicest thing happened when a woman picked up an item and messaged me about my bright yellow front door. She wanted to know the exact shade to paint her door the same.<h2 id="c3f27ada-4556-4a26-ac4d-e594afce41a0">I have to stop the urge to get other people's stuff</h2><div type="image" title="A pea green sofa in a living room" height="3024" width="4032" msid="114636580" hostid="261" sizebytes="651850"></div>Until recently, I occasionally saw something on Buy Nothing and expressed interest. Last year, I was given a <a target="_blank" class="" href="https://www.businessinsider.com/i-fell-for-a-facebook-marketplace-scam-thats-increasingly-common-2023-8">beautiful upright piano </a>after posting an appeal.Still, taking other people's stuff is counter-productive, so much so that I've resisted the urge for the last few months. I've learned that it's dangerous to make an impulse "bid" only to be selected and regret the decision afterward.This summer, I landed a pea-green sofa that the rest of my family hated. Luckily, I re-gifted it on the page, and it's safely installed in the brightly-colored office of a<a target="_blank" class="" href="https://www.businessinsider.com/psychiatrist-kids-tips-minimizing-childrens-screen-time-smartphone-laptop-2023-11"> child psychiatrist</a>. "Everyone loves it," she wrote in a message with a photo of the couch in situ.I now ask myself, "Do we really need that?" when I see something I like. It helps that most of the quality things that catch my eye draw interest from other members, and I'd be unlikely to be chosen.<a target="_blank" class="" href="https://www.businessinsider.com/tidying-up-with-marie-kondo-organizing-tips-2019-1">My decluttering method is hardly Marie Kondo's</a>, but it works for me. Meanwhile, does anyone want two four-foot vases that were a pandemic buy from HomeGoods?Do you have an interesting story about decluttering to share with Business Insider? Please send details to <a target="_blank" href="mailto:jridley@insider.com">jridley@businessinsider.com</a>.

I'm decluttering my house using a local 'Buy Nothing' group. It's still hard to resist taking other people's free stuff.

Leading business management software provider <keyword id="404357" type="COMPANY" weightage="20" keywordseo="Tally-Solutions">Tally Solutions</keyword> on Monday announced a 30-day license of its flagship product '<keyword id="48117" type="COMPANY" weightage="20" keywordseo="tally">Tally</keyword>.ERP 9 for free to businesses across the globe. For existing customers whose annual Tally Software Services (TSS) subscription stands expired as on March and April 2020, the company has extended it by 30 days. According to the company, the 30-day extension has benefitted over 1.3 Lakh small and medium businesses. "With the lockdown announced by many governments around the world, our partner ecosystem and our teams have taken it upon themselves to extend as much support to both our customers and society at large. While we have detailed a few of these initiatives here, there are several more we will be announcing in the coming few days," said Tejas Goenka, Managing Director, Tally Solutions. The support extended on April 1 was well received, with over 10,000 businesses having already signed up till date. Tally's customer support centre TallyCare has moved from a centralized system to 100 per cent decentralized system overnight and with zero downtime. The company is also hosting several webinars with industry associations like CII to share updates and tips on working remotely and staying connected with their customers. Businesses need to register on www.tallysolutions.com and avail the 30-day extension benefit.

Tally Solutions gives 30-day license of Tally.ERP 9 business management software for free

<ul class="summary-list"><li>Biological age tests are becoming popular with biohackers and longevity seekers.</li><li>They're not perfect health indicators, but they may tell you a little something about your aging body.</li></ul>There are a lot of ways to spend a fair amount of money calculating your so-called "<a target="_blank" href="https://www.businessinsider.com/what-is-biological-age-is-reverse-aging-possible-2023-2">biological age</a>." As a longevity reporter who's been covering the <a target="_blank" href="https://www.businessinsider.com/a-guide-to-longevity-diet-fitness-drugs-tips-2023-11">science of aging</a> and <a target="_blank" href="https://www.businessinsider.com/loma-linda-blue-zone-longevity-secrets-of-seventh-day-adventists-2023-11">age-related diseases</a> for a few years now, I am well aware of the drawbacks and limitations of the various biological aging tests out there.TruDiagnostic, one of the most <a target="_blank" href="https://www.businessinsider.com/vegan-diet-better-for-health-than-omnivore-identical-twins-study-2023-12">widely used</a> and respected direct-to-consumer biological age tests, charges $500 to pump out a biological age estimate and a predicted pace of aging based on dried blood samples. David Sinclair's popular new startup, <a target="_blank" href="https://www.businessinsider.com/im-36-biological-age-test-tally-health-said-almost-42-2023-3">Tally Health</a>, is cheaper but less comprehensive. Tally analyzes cheek swabs for about $200, and often recommends pricey supplements afterwards that the company says can "help lower" your biological age.But I found a way to calculate my biological age that doesn't require any extra money — only some basic lab results that I got <a target="_blank" href="https://www.healthcare.gov/preventive-care-adults/">for free at a recent annual exam</a>. With information that I already had stored in my phone, I discovered I may be — biologically speaking — about 9 years 'younger' than my driver's license suggests.I'm not shouting this information from the rooftops, or feeling smug towards my baby brother as a result. Instead, I'm taking this as a sign that I'm aging at a fairly healthy clip, and that I should probably continue executing four important and straightforward health-promoting moves as often as I can.<h2>My free biological age calculation estimated my risk of premature death or disease</h2><div type="image" title="blood test for creatinine" height="1400" width="2100" msid="107336277" hostid="261"></div>At its essence, any good biological age test is trying to capture the fitness of your body parts. It's interpreting information extracted from your blood, spit, or skin, and then using that information to try to assess how your body is operating. It's trying to pin down a number for how aged or youthful your body is really acting — regardless of the number of candles you put on the cake this year.There are several ways to calculate a biological age, and scientists don't yet agree on which is best. Some of the most respected biological age tests are epigenetic clocks, sometimes called DNA methylation tests. Other clocks incorporate external factors like smoking history, or chronological age into a biological age calculation.I did a "phenotypic age" test, which has <a target="_blank" href="https://link.springer.com/article/10.1007/s11739-023-03397-3#citeas">been shown to help predict</a> your odds of developing a broad array of health issues generally associated with aging and age-related decline, like heart and lung problems, cognitive issues, and Type 2 diabetes."It shows very strong associations with future risk of developing various chronic diseases — including heart disease," Dr. Nour Makarem, a cardiovascular epidemiologist at Columbia University who studies how sleep, diet, and exercise impact our heart health, told Business Insider.Makarem has used phenotypic age measurements in studies of thousands of US adults. She has shown that this type of biological age is not only predictive of future disease and early death, but that it can also be quickly <a target="_blank" href="https://www.businessinsider.com/heart-healthy-habits-reverse-biological-age-study-2023-11">modified by what we do and what we eat every day</a>. Getting better sleep, eating a slightly healthier diet, moving just a little bit more, and stopping smoking can all have a serious impact on our phenotypic age.In <a target="_blank" href="https://www.ahajournals.org/doi/abs/10.1161/circ.148.suppl_1.17266">one study</a> published last November, Makarem showed that middle-aged people with good heart health were, on average, about five years "younger" than their real age, physiologically speaking. Those with poor heart health were biologically older than their years, aging faster than time.<h2>The benefits of free biological age testing</h2>Learning your own biological age is one simple way to approximate how well your body is weathering the test of time.At their best, biological age tests may help encourage people to do more of the things that will subtly improve their longevity — like eating healthy foods and moving enough — keeping us nimbler and sharper into later years. At their worst, these tests may <a target="_blank" href="https://www.businessinsider.com/longevity-escape-velocity-what-is-it">embolden optimistic biohackers to assume they can cheat death</a> or prevent age-related diseases entirely.Experts also caution that <a target="_blank" href="https://www.businessinsider.com/how-to-scientifically-reduce-body-age-2023-8">biological age tests shouldn't be taken too seriously yet</a>, because they're not perfect indicators of your overall health. The science of biological aging is still a bit squishy, as it is a relatively new field.A biological age test can never know if you're about to get run over by a bus, and it may also miss important health issues on the horizon. Conversely, it could scare you into thinking you're in "older" shape than your age, even if you're in relatively good health. This is why the tests should always be taken into consideration in conjunction with other, more tried-and-true health indicators, like your waist circumference, blood pressure, and cholesterol levels, for example.But, if this is your first foray into studying your own biological age, the free phenotypic version I did may be enough of a benchmark for you. With nine lab measurements from your annual physical, including your white blood cell concentration, and blood glucose, you can choose from one of several free online calculators, and have a first biological age estimate in minutes.<h2>These 4 behaviors can potentially lower your biological age</h2><div type="image" title="me in summer sunshine outside, and in winter snow" height="900" width="1800" msid="107336278" hostid="261"></div>While I'm thrilled that my biological age appears to be lower than my actual age, I don't think it's any <a target="_blank" href="https://www.businessinsider.com/longevity-experts-keep-biological-age-young-anti-aging-2023-5">special pride point worth bragging about</a>. It's just a sign that my insides are aging in a relatively healthy way. If I change my habits to exercise less or eat more junk, my number could easily shift. To me, the test results are a gentle nudge saying "you're doing great, don't stop now."Makarem likes to remind herself that she doesn't have to make dramatic changes in her life to have a positive impact on her own biological age, either. Eating just a bit better, moving just a bit more, these actions can have a measurable impact on your biological age result."People get overwhelmed sometimes with those results because they think, 'oh, I just have to have a perfect diet and perfect physical activity,' and that's not actually how it is. Even if you make a small change, it can have a benefit," she said.Simple choices like getting up to take a quick walk, or choosing a healthier snack really can make a gentle, almost imperceptible but important difference over time.Longevity expert Steve Horvath, who pioneered the science of biological aging, and who has developed some of the most well-respected biological clocks around, has seen this firsthand. He found that when he made small, healthy tweaks in his life including eating more vegetables, and taking a brisk walk each night after dinner, <a target="_blank" href="https://www.businessinsider.com/tips-tricks-longevity-expert-reduced-longevity-2023-10">his biological age measurement went down</a> by four years in just nine months."Everything you know about a healthy lifestyle does seem to affect these biomarkers," he recently told BI.

This test can calculate your biological age for free. Here's how it works &mdash; and how to interpret the results.

Cannes Lions 2021: India crosses 2019’s tally by winning 1 metal on Day 5, bringing our total tally to 22

<ul class="summary-list"><li><a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally</a> is a financial app that helps you organize and pay off your <keyword id="6387037" type="UNKNOWN" weightage="60" keywordseo="credit-cards">credit cards</keyword> in the most optimal way.</li><li>While <keyword id="48117" type="COMPANY" weightage="60" keywordseo="tally">Tally</keyword> doesn't charge any fees, they make money by consolidating some of your debts onto a new line of credit with a lower APR.</li><li>If you're struggling with credit card debt, make sure to consider Tally as well as other debt repayment products like <a href="https://www.businessinsider.com/personal-finance/best-credit-card-intro-apr-offers">credit cards with introductory APR offers</a> and personal loans.</li><li><a href="https://tally.sjv.io/c/196318/738697/8286" target="_blank" rel="nofollow noopener sponsored">Pay off debt faster with Tally »</a></li></ul>When it comes to paying off high-interest credit card debt, there are plenty of options and strategies to consider. Some say you should stop using credit cards and take out a low-interest personal loan that lets you consolidate all your debts, while others swear by 0% APR credit cards that let you save money on purchases or balance transfers for a limited time. Some people also choose to consolidate debt using financial products like a <a href="https://www.businessinsider.com/personal-finance/how-to-use-a-home-equity-loan">home equity loan</a> or home equity line of credit (HELOC), both of which tend to offer low APRs since your debt is secured by the value of your home.Then there's <a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally</a>, a newer financial app that aims to help consumers pay down their high-interest credit card debt in a brand-new way. When you download the app and take the steps to apply, <a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally</a> takes the time to analyze your credit cards and various debts with the goal of helping you minimize costs and maximize your payments each month.Tally can also extend you a line of credit at a lower interest rate than you're being charged elsewhere, and the app lets you make a single payment each month, which Tally distributes to your creditors in whatever way reduces your interest costs.If you want to get out of debt and feel like you need outside help, <a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally</a> may be worth exploring. Keep reading to learn more about how this app works and how it compares to other debt consolidation options.<h2>How does Tally work?</h2>Once you sign up for an account and link your credit cards, <a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally</a> monitors your balances, credit card interest rates, and due dates on your behalf. In the interim, <a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally</a> also extends you a line of credit that is meant to help you consolidate part of your debt at a lower interest rate.<a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally</a> then takes over your credit cards and bills if you opt for the "Tally Pays" option, making sure you never miss a payment. It also calculates the smartest way to help you save money on interest across all your credit cards and your Tally line of credit. If you want to continue paying your credit card bills yourself, Tally also allows that option, although they will still send you reminders that tell you when your payment is due and how much you should pay toward each of your cards.<a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally is a free mobile app</a>, meaning you won't pay any fees to get started. With that being said, you'll need to apply for Tally and a Tally line of credit in order to start using the benefits.Tally lines of credit come with an APR between 7.9% and 25.9% APR, although this rate is variable and based on the prime rate just like credit card interest rates. Also note that Tally comes with no annual fee, no origination fees, no balance transfer fees, no late fees, and no prepayment fees. The app also boasts an average lifetime savings of $5,300 for its customers so far.You're probably wondering how <a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally</a> makes money. Generally speaking, it makes money from interest charges on the line of credit it extends you in order to consolidate some of your debts. On the user end, you'll save money when Tally is able to offer you a lower interest rate than what you're getting from your credit cards. Tally also uses an algorithm to make sure every dollar of your monthly payment is smartly allocated to maximize interest savings.<h2>Pros and cons of using Tally</h2>If you're ready to get out of debt and you want to save money on interest along the way, you may be considering an alternative option like <a href="https://tally.sjv.io/c/196318/741047/8286" target="_blank" rel="nofollow noopener sponsored">Tally</a>. After all, Tally is not just "another loan" that can help you rack up more debt over time. Instead, Tally extends a line of credit that's meant to consolidate some of your highest-interest debts. And, at the end of the day, Tally only makes money when it's able to save you money with a lower interest rate.Still, there are definitely some pros and consider. Consider these advantages and disadvantages before you download the Tally app and move forward with a debt repayment plan.Advantages of using Tally:<ul><li>You can still take advantage of important credit card benefits. Tally doesn't require you to cancel your credit cards and you may continue carrying balances on some of them anyway until they're paid off. Regardless, you'll still be able to keep using any important benefits your credit cards offer, including perks like <a href="https://www.businessinsider.com/personal-finance/best-credit-cards-travel-insurance">travel insurance</a> and <a href="https://www.businessinsider.com/personal-finance/credit-card-purchase-protection-benefits-best-cards">extended warranties</a>.</li><li>You can pay just one bill each month. If you choose the "Tally Pays" option in your app, Tally will charge you a single payment each month, which it distributes to your credit cards in an efficient and money-saving way. Consolidating all your payments down to one each month can make debt repayment significantly easier.</li><li>Tally is free to use, and you can even save money. Tally doesn't charge any fees for using the app, although it does earn interest on your Tally line of credit. With that being said, the Tally line of credit aims to come with a lower interest rate than you were being charged before.</li><li>Tally takes the stress out of figuring out which bill to pay first. Tally does the grunt work for you in terms of figuring out which credit card bills you should focus your energy on. In fact, it uses an algorithm that determines your credit card payments based on maximum interest savings.</li></ul>Disadvantages of using Tally:<ul><li>Tally isn't available in every state. Tally is currently available in 30 states and Washington, D.C. Residents in other states can't use the app yet, but <a href="https://www.meettally.com/save/">they can get on a waiting list</a>.</li><li>Tally doesn't limit temptation to rack up more debt. Tally does help you figure out the optimal way to pay off credit card bills, but the app doesn't prevent you from using your cards to rack up more debt. Of course, you do have the power to stop using credit cards once you start using Tally.</li></ul><h2>How does Tally compare to a personal loan or a balance transfer card?</h2>In a lot of ways, Tally works similarly to both <a href="https://www.businessinsider.com/personal-finance/best-personal-loans">personal loans</a> and <a href="https://www.businessinsider.com/personal-finance/best-balance-transfer-credit-cards">balance transfer cards</a>. The Tally line of credit aims to offer a lower interest rate like balance transfer cards do, yet the line of credit component also lets you consolidate some of your debt like you would with a personal loan.With that being said, it's possible a <a href="https://www.businessinsider.com/personal-finance/what-is-debt-consolidation-make-debt-payoff-easier">debt consolidation loan</a> or 0% APR balance transfer credit card might work better for your needs. This chart explains more about how each option works and who should consider each option.<div type="image" title="Banks vs Credit Unions vs Online Banks" height="1830" width="2400" msid="75204328" hostid="261"></div><h2>The bottom line</h2>Tally lets you organize your credit cards and debts, but this app can also help you <a href="https://www.businessinsider.com/personal-finance/strategies-to-pay-off-credit-card-debt-fast">pay down your balances in a strategic way</a>. If you choose, Tally will even let you make a single payment, which it will allocate to all your bills on your behalf.Tally is free to use and it only makes money by offering you a lower interest rate than you're paying now on at least part of your debt. With that being said, it's possible a personal loan or a balance transfer card might work better for you based on your situation. Make sure to consider Tally, but also compare other options before you decide.<ul class="read-more-links"><li>More <a href="https://www.businessinsider.com/category/credit-cards">credit card</a> coverage</li><li><a href="https://www.businessinsider.com/best-airline-credit-card-comparison-delta-united-american">What's the best airline credit card?</a></li><li><a href="https://www.businessinsider.com/best-cash-back-credit-cards">The best cash-back credit cards</a></li><li><a href="https://www.businessinsider.com/southwest-credit-card-comparison-which-to-get">Southwest credit card review</a></li><li><a href="https://www.businessinsider.com/best-rewards-credit-cards">Best rewards credit cards</a></li></ul>Read the original article on <a href="https://www.businessinsider.com/tally-credit-card-debt-consolidation-app-review">Business Insider</a>

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I'm decluttering my house using a local 'Buy Nothing' group. It's still hard to resist taking other people's free stuff.

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Tally Solutions gives 30-day license of Tally.ERP 9 business management software for free

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This test can calculate your biological age for free. Here's how it works and how to interpret the results.

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Cannes Lions 2021: India crosses 2019’s tally by winning 1 metal on Day 5, bringing our total tally to 22

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Tally is a mobile app with a fresh approach to tackling credit card debt

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