Financing Options for Real Estate

Written by Lysander Freeman on . Posted in Advice/Tips, Finance, Real Estate

Financing Options for Real EstateManaging your finances responsibly is critical if you want to pursue investment as a career objective. It has definite advantages because the way that you manage your sources will be invaluable to someone Property dealers are competently trained to help clients buy, rent or sell residential and commercial properties. They also help out in organizing commercial financing for business owners in the process of acquiring different types of properties and also how to handle escrow payments.

Escrow payments refer to the part of a mortgage transaction that is set aside to settle fees like real property taxes and insurance. This is separate from the money that is allocated to account for the principal and interest portions of a property mortgage and is required by the Federal Housing Administration (FHA) to set up for the duration of the loan.

How to Pick a Demolition Company

Written by Lysander Freeman on . Posted in Real Estate

building demolitionThere are numerous reasons that you might be thinking about hiring a demolition company. For individuals concerned with smaller projects, for example those wanting to demolish a garage on their property or an old house for a new building, the process is relatively easy and pain-free. For bigger demolitions, it’s important to pick a company that has a proven track-record, experience with similar work and that you can form a mutually-beneficial ongoing relationship with.

How to Find the Best Real Estate Deal Online

Written by Tom Shaffer on . Posted in General

Companies are always on the lookout for good real estate deals, be it an office expansion or shifting to a better location, there are many reasons to relocate for a company. Online real estate brokers have made the process easier than it was in decades. Some of the time and cost saving features include shortlisting of real estate deals on the basis of custom rental ranges, size of the office and it's location. Here are a few tips that would help in making the best choice when dealing with brokers online. 

Make Comparisons
It seems convenient to look at one option and then go out and finalize it. If it has everything that you want, then there seems to be no need to keep looking for more options and creating confusion. However, this approach does seem effective when one is in a hurry and has no time to lose when making the decision, but if there is even a small bracket of time, then one should definitely make comparisons. Surprisingly, there are chances of saving and getting really good deals in financial terms. By making comparisons, the level of confidence and satisfaction on the deal finalized is also higher. If there are real estate brokers who are trying to fool you in a bad deal, with this approach one can evidently figure out authentic dealers with the fake ones. 

Go for Minute Details
Do not make your mind up from the general information that is given for the office space. Go for minute details that would have a great impact on your business and cost savings in the long run. A bad real estate deal can lead to an endless list of maintenance costs and undue work, therefore, check things such as what are the environmentally friendly features of the office space. This may include operating on solar energy and saving electricity costs, having a good ventilation system for a well lit and fresh ambiance in the office and what are the raw materials used for fixtures and furniture. Add costs of replacing things that seem unacceptable to you, and then make the final choice. For instance, if you need to replace your worn out windows and doors, consult with ;companies that specialize on windows and doors in Hamilton. Work out costs and iron out minute details before making a final decision.

Managing your Money in 2014

Written by Tom Shaffer on . Posted in General

It’s no secret that money’s still a little tight in this year of 2014 and throwing it around is the worst idea possible. Of course, that doesn’t mean you have to be trapped in financial straits. There are many different ways through which you can thrive this year, but it may mean pinching a little harder at that penny. So, if you’re thinking of keeping your money safe, then here are some sure fire tips through which you can manage your finances.

Set a Budget then Stick with It
The thing about budgets is that you may think you’re saving money that would be better used in day to day life. If you’re one of these people, then it’s time for a perspective change. You see, when you budget your monthly income, you can finally assess how much goes into and out of your life. This act will help you make smarter investments and in the end, help you make more informed financial decisions.

Keep your Credit Rating Well Maintained
Credit cards are great and at the same time, very tempting. It’s easy to start using credit cards too often, because the prospect of buy now pay later is enticing. However, if you go bananas, you’re sure to ruin your credit rating and that’s not a bright idea. Instead, work on improving your rating through the use of good reward programs, smart purchases, and on-time payments.

Work on your Taxes Now
The most common problem people fall into when it comes to their finances is that they don’t work on them in advance. However, that’s because the immediate rewards to doing so aren’t evident. Working on your taxes ahead of time is beneficial because you can actually spot errors. Maybe you’ve overestimated a cost, or maybe you don’t need to pay that much for a certain tax. Take the time to look through your tax forms, and you just might save some cash.

Doing these things will surely help you avoid the need for a Maui attorney, or other kinds of legal representation. At the same time, you just might save the big bucks in the long run.

Best Honeymoon Hotels in the UK

Written by Tom Shaffer on . Posted in General

Paris might be renowned as the “City of Love” but for newlyweds seeking alternative honeymoon destinations, there are several other places around the world that can just be as romantic. In Europe, the United Kingdom is among the best places where honeymooning couples can go to. Despite its reputation for unpredictable weather, the country is also home to the most picturesque countryside and landscapes, which can make an ideal setting for a honeymoon.

Newlyweds who decided to have a honeymoon in the UK will not have a difficult time finding a place to stay, since some of the best honeymoon hotels in the world can be found in the country.

Longueville Manor, Jersey
Longueville Manor is located in the island of Jersey. Built in the thirteenth century and converted into a hotel, couples can choose to stay in one of the thirty rooms available in the manor. Each room is opulently decorated with fresh flowers and antiques. The very tranquil setting is ideal for honeymooners, where privacy and excellent five-star service is provided by the hotel. Couples can while away the time sipping glasses of wine in their rooms’ private patio, having meals in the garden or go swimming in the heated pool.

One Aldwych, London
Those of prefer the hustle and bustle of the big city over the peace and quiet in the countryside can have a London honeymoon at the One Aldwych. The hotel’s furnishings is an excellent mix or traditional and contemporary. Housed in an Edwardian building protected as a heritage site, it boasts of a four hundred-piece art collection consisting of sculptures and contemporary paintings. Honeymooning couples will have the privilege of seeing these art pieces up close because each of the hotel’s one hundred five rooms is decorated with original art. Moreover, fresh flower and fruits are supplied to guests daily. One Aldwych’s luxurious interiors have been compared with another popular honeymoon hotel in the UK, the RMS Titanic Hotel. As its name implies, the RMS Titanic is a themed hotel with decors that make couples feel like they are inside a luxury cruise ship. More information on this unique Liverpool hotel can be found at http://www.rmstitanichotel.co.uk/.

Dining at One Aldwych can be a very healthy prospect since its restaurant serves organic produce and features light meals in the menu. After a meal, couples might want to have a few drinks at the Lobby Bar, one of Europe’s best hotel bars.

Glenapp Castle, Ballantrae
For couples who want to begin their married life by spending time in a fairytale setting, then Glenapp Castle is the place to be. The hotel is located in an extremely private area, in the middle of more than thirty acres of a Scottish countryside. Newlyweds can experience what it feels like to be royalty when they get to sleep on four-poster beds. Rooms are elegantly furnished in the traditional style with oil paintings and antiques. At Glenapp Castle, honeymooners can take moonlight strolls in the sprawling gardens, take in the view of the Scottish coastline or simply enjoy the peace and quiet, while enjoying the comforts of five-star service.

Honeymoons are meant to be memorable, as it marks the start of a bright and harmonious future for couples. It is a time to relax, be intimate and enjoy each other’s company. For an unforgettable getaway that does not fail to deliver on romance, newlyweds can choose among the UK’s best honeymoon hotels.

Tips for Increasing Office Security through Reliable Services

Written by Tom Shaffer on . Posted in General

In this competitive era, where one brand is after another for hiking sales or goodwill, companies sometimes go too far to benefit themselves. Employee loyalty has reduced, leading to company hopping and switching of jobs multiple times. To increase office security and ensure that the important legal documents are safe, there are some reliable services that can be looked upon. Read on to find out tips for increasing office security.

Invest in Good Quality CCTV Cameras
Hidden cameras that record 24/7 are some of the most reliable and efficient ways of keeping an eye on the official premises. Despite of having security guards, there are times when human error leads to accidents or mishaps. To decrease such probabilities, CCTV cameras that offer high quality resolution with multiple features is essential for increasing the security level of your office. Check out the top wireless cameras on Ebay.

Contact Reliable Lock Changers
Many theft and robbery cases are reported right after the keys to a premises go missing. Mostly what happens is, people call up unknown lock changers to open a premises on an immediate basis, but fail to keep a record or check the background of the lock changing company, therefore, companies like these have the key format and this increases chances of theft. Look out for Locksmith Bromley at  http://local-bromley-locksmith.co.uk/ or the likes for reliable lock changing services. The 24/7 service of reliable lock changing companies prevents unknown fraudulent companies from entering premises.

Keep Data Online and Restricted
Although most businesses have now shifted to virtual office management systems, there are still many companies that prefer paper work and keep records in files. Data present online or in soft copy can be saved with high restrictions, leaving no chances of information leakage. The IT company or department that is looking after these operations should be authentic, reliable and trustworthy since the key documents and business details are present in the office management system. Outsourcing this service to external IT companies is a better idea to avoid the chances of undercover employees taking important information out for competitors and companies that do not have good intentions for the business.

Tips on Renovating Your Bathroom

Written by Tom Shaffer on . Posted in General

Bathroom, as some say, is a strong indicator of your personal hygiene as the home owner. A messy bathroom entails messy home owners. This is perhaps why the bathroom is given much importance in terms of cleanliness and aesthetic appeal.

We have seen a variety of interesting bathroom designs, ranging from simple to extravagant. Some have a plain bath tub, while some add a Jacuzzi, dressing area, mini pool, high-tech lavatories, and the likes. It depends on your preference and the theme of your house, but there are main points you should consider if you’re planning to renovate your bathroom:

#1: Flooring

Floors are the most important part of the bathroom, no questions asked. You should get the right bathroom floor considering the design, functionality, quality, and durability. You can choose between tiles and marble or Caesar stones. There a lot of home shops that offer floorings of different materials, colors, designs, patterns, and textures. One such shop is ABL Tile Centre wherein you can find bathroom tiles and stones.

#2: Lavatory

There are space-saving lavatories available nowadays. Some are wall-mounted, minimalistic, has a single faucet, and eco-friendly. You can choose mainly based on design and functionality. Also buy from trusted brands because lavatories are one of the most used bathroom accessories.

#3: Bathtub

Sit in a bathtub before buying it to assess the comfort of its neck and back angle. Stores like ABL Tile Centre have a wide range of tubs where you can choose the one with just the right size and design. Since bathtubs are the biggest accessories, it should blend well with the rest of the room.

#4: Shower Area

To make your bathroom look more spacious, go for transparent shower screens. Make sure to carefully choose shower, shower head, and other accessories to put inside the shower area. You can go to ABL Tile Centre to look for options.

#5: Overall Design

Your bathroom should look and feel relaxing because this is where you’ll spend the first and last minutes of your day. Go for light colors such as white, baby blue, light green, and such. Get elegant fixtures to add to that luxurious yet simple feel. 

Tips to Consider in Office Hunting

Written by Tom Shaffer on . Posted in General

Fresh graduates are starting their new chapter in life by finding a right job for them. It may be a hard time to them to find a job that they want to have, but if they are patient enough, they will succeed in their goal. It is also better if your chosen job is related on the course you’ve finished in college. Alternatively, they can found their own company.

When starting out, specifically after the company has been registered, it is time to find an office. There are some ways to find your future office. You can register with a realty firm which specializes in office hunting. There, you can have updates on which places you are open and you can take a look at them. You can also send an ad on Craigslist or some other listing service and state that you would want to have an office. You have to state your financial position – which is rock bottom – as well as what the company does and how much space you need.

You can also check out companies offering office rentals. If they have a website, you can do all the inquiries online. Typically, their services would include a secretarial or typing pool with common office areas for photocopying, receptionists and telephone messaging service.

Finding an office is important for some types of companies. This is true especially for medium-scale companies which have outgrown their old offices. It is possible that a company would want to consolidate their satellite offices. This move would put all their offices under one roof, and facilitate better management, smaller expenses for office rental and better overall corporate identity.

For others, especially if it’s a successful startup, it might be time to move out of the kitchen or garage and into real office spaces. This is a matter of personal discretion. It works to the advantage of the company owner because potential employees would rather work in an environment which looks like an office with a professional staff. Office space is a premium not just in terms of real office work and space, but also for the customers to see that the company is real and serious in their work.

Tips in Finding the Right Travel Agent

Written by Tom Shaffer on . Posted in General

When it comes to finding a travel agent, many people would think that if they find someone who can offer a cheap rate for their services, then they are making the right deal. However, searching for the right travel agent is not about finding who can provide the lowest cost possible. After all, you don’t go on a holiday that often. Therefore, when you find time to go on a tour, you have to make the most out of it. This article will discuss some of the tips that you can follow if you wish to find the right partner when you wish to have a memorable trip.

1. Make sure that the company can offer you a wide range of choices. When you want to travel to certain places, you wanted to make sure that you can visit the places that you have always dreamed to visit. Thus, you need to see to it that the company can arrange the trip for you. They need to find the right place where you can stay comfortable and provide assistance so that your entire stay will be memorable.

2. Don’t go for companies that offer pre-determined trips. This is definitely something that you will not enjoy. Though customized trips are more expensive, they are worth it. After all, you wanted to spend your money on places that you really wanted to go to. It is useless to spend money on places that you are not even familiar of.

3. Find someone who can easily arrange all your needs. Sometimes, travel agents are difficult to deal with. When you want something and they cannot provide it, they will just say no. however, those who are really good in providing customer service will arrange all your needs no matter how specific your requests are.

Again, the point of getting a travel agent to arrange your tour is for you to achieve the trip of a lifetime. Don’t settle for a company that may give cheaper offers, but your trip won’t be meaningful. If you are planning your next trip already, you might want to check out exotic places in Africa. For more Africa Tours details, check out http://www.adventureworld.com.au/tours-and-destinations/africa/.

Reasons for Buying Industrial Supplies in Bulk

Written by Tom Shaffer on . Posted in General

When buying construction supplies for home improvement, you will surely not hesitate buying items in bulk. However, this is not the case for smaller items such as electrical parts or protective equipment. You might just opt for buying one item at a time based on the needs. Though this is a good idea, it also helps if you buy the items in bulk. Whether you prefer buying these items online or in a local store, you will get lots of benefits when you buy them in bulk.

Cheaper Price

This is the best reason for buying these supplies in bulk. It will be of great help if you are saving cost. Besides, industrial supplies usually have a long shelf life. Thus, you have nothing to worry about if you are not going to use them for now. If you will need them in the future, you can just pull them out of the shelf right away. For instance, you have decided to buy welding tools in bulk. Obviously, you only need one to finish a simple job. However, should something wrong happen with the tool that you are using, you at least have an immediate replacement since you
bought more than one.

Getting High Quality Brands

One of the reasons why we prefer cheaper brands over high quality brands is because of the price. Imagine if these high quality brands will be given at a cheaper price. It will most likely be your brand of choice. This may happen if you opt to buy them in bulk. For instance, a Workman anchor sling costs over $23 apiece. If you buy in bulk, you can save at least $4 each. When you have spent a lot for construction or renovation, this will be of great help.

Tips in Buying

If you have decided to go for this move, then you have to be wise. Make a list of the items that you need for now and in the immediate future. Then, you can start buying in bulk the items that you deem best to be bought in bulk.

For the best industrial supplies, you can visit gotstock at http://www.gotstock.com.au/.

5 Ways to make Your IT Service Desk More Efficient

Written by Tom Shaffer on . Posted in General

Running a large or small business that relies on information technology requires a good IT service desk. Without it, there is no way of keeping track of any technical issues that arise and no way to prioritize which issues need tackling first and which can be left.

The difference between a finely tuned company and one that is floundering is how good their IT service desk is and, to help you and your customers, here are 5 tips on how to make your service more efficient:

Tip 1 – Keep Track of Everything

Every single ticket raised, every issue should be transformed into a service request, regardless of its nature and regardless of whether it came in by phone, by email or by live chat.  That way, it can be prioritized and dealt with efficiently and on time.

Tip 2 – Ask the Right Questions

Is your service desk manned by a dedicated staff?  What channels do you have in place for the service desk to be contacted?  How do you escalate service desk issues?  Do your service desk staff communicate effectively with each other and with everyone else?  If you can’t answer these questions to your own satisfaction then you need to do something about your IT service management procedures. These guys are the experts and know all there is to know.

Tip 3 – Link Your Key Activities

In order for full success to be achieved, all of your service delivery processes must be properly linked.  Each process must be clearly defined with its own set of parameters and each service type must know when they can jump in and take over.

Tip 4 – Keep Your Focus on Essential Processes

Human error is par for the course so you need to have a system that alerts you when an issue has not been touched or dealt with.  However, your service team must be able to follow the right processes for this system to work so ensure that each team member knows what their job is and is doing it right.

Tip 5 – Cut Out What Isn’t Working

For your business to be successful, every part of it must run like a well-oiled machine.  Each team must be accountable for what they do and if there are processes that are not working or are not efficient, get rid of them and replace them with one that is.

Advantages of Renting Construction Equipment

Written by Tom Shaffer on . Posted in General

In construction and in realty development, there are instances when you don’t need to own all the equipment. Construction equipments are very expensive. Besides that, in the course of a building construction there would be a need for all kinds of equipment. A company might need several bobcats, cranes, backhoes, bulldozers, cement mixers, etc. Depending on the size and type of the construction project, it might be necessary to rent out any number of equipment.

For high-rises, one of the most common equipment which would be rented would be a backhoe and a crane. On top of that, one or two putzmeisters might also be needed, as well as a boom lift or two. With careful planning and project management, it is possible to rent these equipment without cluttering the staging area with equipment waiting to be used. The ideal scenario is for these rentals to arrive just before they are used, and then sent back as soon as they are no longer needed.

Business Solutions

From an accounting and project budget viewpoint, renting construction equipment can be directly tacked on to the budget cost. There is no need to compute for depreciation, and for cost contribution to a specific project. In terms of project management, the cost projections would be more accurate given that the use of rental equipment can be calculated in terms of the number of days it will be rented out, as well as the number of days or hours it is in use. Extending the expense calculations further, the cost can be drilled down to include the cost of personnel used to operate the equipment. In some instances it is also possible to have qualified personnel included in the cost of renting the equipment.

For instance, a boom lift is not used everyday, hence there is no need for a person who is qualified to operate the equipment. Renting a boom lift base could then mean that the operator would also be hired. There are times when the rental company would know of someone who can be available to operate pre owned boom lifts, or they could have someone in their employ to operate it. These are business decisions which are left to the owner of the boom lift. The same scenario holds true for other types of equipment.

These business decisions have to be gauged against the project management timeline as well as cost analysis. Incorporating it in project management either in the Gantt Chart or the PERT/CPM chart gives planners a better understanding of the time constraints, cost and manpower requirements, and they can adjust accordingly at different points in time, while the project is being planned or implemented. With larger projects, the stakeholders might have some input in the decision making. However, having the option to rent out equipment is a big help for planners and builders alike.

Although seldom included in budgeting, one other factor would need to be considered when renting equipment. The support and maintenance costs should be included when considering what to rent and where. If a construction company owns their own equipment, they would be responsible to keep it in working condition. When the same equipment is a rental, the maintenance and support is the responsibility of the rental company. This means that they can have a replacement brought in, if a mechanical or any other problem occurs.

Mobile Money Deposit: What You Need to Know

Written by Lysander Freeman on . Posted in Advice/Tips, Finance

Mobile Money DepositPrepaid cards are a great way to have all the convenience of a credit card without any of the potential downfalls. And many prepaid cards offer a banking-type experience that allows you to deposit checks through your smarthphone and directly onto the card. Kaiku Mobile Money Deposit, for example, is one such prepaid card that gives you the option to load your card with funds from a check using a simple app. Before using these types of mobile deposit apps, there are a few things you should know about the process.

Checks that can be Deposited

Using a mobile money deposit allows you to simply take a picture of your check with the smartphone app and load the money onto your prepaid card. Government or payroll checks, money orders, personal checks, rebates, insurance and refund anticipation checks can usually be added onto your card using the mobile money app. There is no charge to use this service, but there may be fees from the remote deposit capture provider.

Fund Availability

Fund availability varies depending on which option you choose. For example, the no-fee option will allow your fund to be available within 10 days. If you require your money sooner, you can pay a small fee to get the funds available in as little as a few minutes. Keep in mind, however, that fund availability relies on the approval of the check and that the check is not returned unpaid.

Deposit Amounts

You can usually deposit $2,500 per check and up to $5,000 per day. There is usually a monthly limit of $10,000 that you can deposit using the mobile app. In addition, remember that these amounts are subject to monthly and daily load limits as determined by the card program.

Declined Check

All checks submitted with the mobile money deposit are subject to approval from the remote deposit capture provider. There are various reasons why the check might not be approved including (but not limited to)

• Check not signed by the issuer
• Picture of check is not readable
• Payees signed endorsement is missing
• Insignificant funds
• Duplicate checks

If there is ever a problem with a check, contact your prepaid card company immediately to determine the reason why it was declined and learn how you can fix the problem.

 

The Direction of Small Businesses with the Advent of Modern Technology

Written by Tom Shaffer on . Posted in General

The needs of small business banking are different from personal banking. You must think of the issues and features of your business requirement. Technology-related tools, such as services for cloud computing, mobile apps and new software are as important as having a productive workforce. Strategic planning is needed to choose what applications to use. Your businesses goals should serve as your guide.

Healthy Period for Small Businesses

Small business owners are still quite happy with their growth even if by and large, the economy is still not that great. It is the first time they have access to solutions and tools that for several years had been almost out of reach because of their prohibitive cost. Today, there is no need for support from an enterprise infrastructure. Business-related tech tools are almost plug-and-play, leading to a more cost-effective and efficient business operation.

The mobile platform is one of these emerging technologies that impacts profitability and productivity. For most employees and business owners it has become their primary device for conducting business anytime and anywhere they are.

Transformation of Small Business Banking

Banks are very supportive in providing businesses with solutions for end-to-end automation, such as real-time transaction and financial information availability. There is clear indication that small business owners also want to conduct their banking transactions using mobile devices.

From the info-graphic below – according to the California Bank and Trust survey conducted recently, 78% of small businesses in California already use online and mobile banking to access resources and their account information while 67% use the mobile banking tool for their payment and deposit transactions. On the on the other hand, 41% of small business owners use the mobile platform to communicate with bank representatives.

Small Business Infograph 2013-2014 , California Bank and Trust
Presented by California Bank & Trust, Business Banking

Still, there are risks in having sensitive data installed on a smartphone. Business continuity, security and backups as well as privacy are to be considered. Banks today offer plenty of services for large and small business owners. Consider what you will invest to have your invoicing task automated for example and look for a bank that provide such service. The good news is that medium banks are now capable of value added services such as online banking.