Rental Property Management: Is It Really Worth It To Hire This Service?

Why should I hire the services of the rental property management organization to look after my property given on rent? It would be the first question from every landlord who has given his property on rent, if you ask them to use the services of any such group existing in your city. You will agree that when a person lets his house or any part of his house for rent, his main goal is to earn profits from it to enjoy a better life and make payment of his various bills.

Giving a house on rent is one of the oldest practices carried across the world. If there are any used parts at home, people give it on rent to earn extra income from that part. To a certain extent, this practice seems possible to earn more income in short span of time without investing a single penny from the pocket. But, when a person has a huge amount of properties under his possession and he has given all of them on rent, then looking after all those properties at the same time could be complicated for him, until unless he has enough time to look after them or has someone to take the care of those properties in his absence. However, for that it is imperative that either you or the other person taking care of your property should have proper knowledge of handling the property given on rent.

This is mainly because of lots of legal formalities associated with it, moreover, there are certain conditions where being a landlord you have to sort out any issue arising from your property to your tenant. Let us, for instance, say, while giving your house on rent you told your tenant that the house is equipped with an electrical converter to lighten the house during the power cut. But, during power cuts if that electrical converter did not work, then at that time it is obvious that your tenant will call you and complain about that issue. In such situation if he is residing in your house then it will be easier for you to rectify his problem, but if your rented house is quite away from your residence, at that time going out of home to solve the issue of an electrical converter will be laborious and irritating for you. Therefore, to cope with all these issues it will be better for you to acquire the service, property management group to look after all such complicated issues.

The above mentioned illustration of an electrical converter is just an example to understand the relevance of the services offered by a property management group. There is a plethora of services offered by the expert working in these groups. These experts are well-versed with all legal activities which are expected to be performed by the landlord. Do you know, that before allowing someone to live in your house as a tenant it is imperatively expected from the landlord to cross check the background of your prospective tenant? May be your answer is yes, but do you know what to do if your tenant makes excuses in paying the rent on time, or starts making improper use of your prospective tenant. Hiring the services of experts working in property groups will help in overcoming all these problems.

These experts will properly advertise about the availability of your property to rent, conduct their interviews and cross check their credit from the local police station. Will collect rent from them on time. Make regular inspection of your property that it is not being damaged or improperly used by the tenants. Look after their phone calls during odd hours and reach at the site to solve those issues. These experts will also help you in getting your house vacated from the tenants before the expiry of the agreement, in case if you wish to use the house for some personal work. Not only this, if at the end of tenancy agreement your tenants wish to continue the agreement, in that scenario, these experts will get all the paper work done strictly according to the rules and regulations, prescribing the new terms and conditions related to the rent and use of the house.

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5 Ways of How to Destroy a Business Partnership: Don’t Start That New Business Until You Read This

Let any one of these 5 situations into your business and you’ll ravage your entrepreneurial career:

1st – Stop needing each other:

There’s a considerable chance that the partnership power and responsibility structure will start to shift and will look very different starting anywhere from 3-12 months after inception.

In the beginning of any new venture, a dynamic and compelling new venture phenomenon, made up of fear, anxiety, stress and excitement, emerges and makes for an impressive personal barrier disintegrator. No facades and no charades are the hallmark of a new venture. The partners forget about their own needs and are on their best behavior. Everyone is madly in “love.”

“Needing each other” is a compelling power source in successful business partnerships. In most partnerships that “need” is the bond that keeps it all together. As time passes, especially after the 12th month of being in business, everything and everyone starts to shift, evolve and a displacement arises that will be unsettling and transformative for the business and all the players.

See #4 for more information on “not needing each other”

Solution: Accept the fact that the above information is valid. Discuss it openly with your business partners. Be vigilant and sensitive to your business partners and what they say and do and how they say it and do it. You don’t have to be “a touchy feely kinda person.” Think selfishly. Think protection for your future. Think protection for your business’ future. Communicating, openly and civilly, is the only preventive measure that will increase the chance for a favorable outcome.

2nd- Allow your significant other to point out all the expensive gifts your partner’s significant other is receiving and they’re not:

Significant others, and other family members, can be the source of great pain and distress when it comes to the relationship you have with your business partner.

Greed, jealousy, being overcritical, being generally resentful, tactless and being superficial are some of the flies swimming around in the business partnership ointment. Money and power sometimes brings out the worst in “significant others” and family.

Solution: There’s two parts to the solution:

a-It’s the smart business person who pays extreme attention to the health and tone of his business partnership. It should be the number one concern, above and beyond anyone else in your life. I know I’ll get a lot of Boos and Hisses but, if you take care of your business and the business partnership, it will always take care of you and the people you love and who love you. Everyone will be happy and satisfied.

b- Going to, or inviting in, a counsellor or therapist to meet privately once a month, individually and aggregately, with the business partners will always be money well spent. I’ve seen the wreckage that family members have created in some very successful businesses.

You will have partnership strife and discord. Bet on it. Prepare for it now and have the preventive and supportive resources at the ready and/or in play from the beginning. It will be a shame if one day you’re standing outside your padlocked office wondering what happened.

3rd – Have sexual relations with a family member of your business partner:

I “feel” the smirks already. Talk about destruction. This is an insidious act of extreme betrayal. It not only will leave your business ripped apart, it will destroy precious family and personal relationships. People will be crushed and devastated for a lifetime.

The reputations of all the partners will be tainted. You’ll be amazed and appalled at the same time to find out how many suppliers, banks and customers will turn their back on you. They know that with a soiled and stained situation like this, destruction and failure may be close by. No one wants to be part of this, especially if it hurts them financially. Something many people take for granted is that It takes years to build a reputation that’s respected and trusted. It takes 24 hours or less to blow it up.

Are you are going to make your bed and Lie in it, or not?

Solution: If you’re over 18, take a wild guess. Under 18? Talk to someone over 18.

4th – Do some self-talk about how you deserve more money than your business partner:

“I’m working so much harder than her.” “He was supposed to be the sales end of our business but…” “Our biggest customer can’t stand her.” “He can’t handle the pressure.” “I never realized how much she talks.” Do I need to go on? You may recognize one of these.

In the beginning of a new venture there’s “reality” and there’s “wishful and well-intentioned thinking.” The responsibilities and strengths that you bring to the new venture are not necessarily the responsibilities and strengths that will be in play when things get started and are rolling along.

Being aware of each partner’s powerful strengths and their ‘vulnerabilities’ will allow weekly partner meetings to be productive and allow for everyone to be open, honest and transparent. Staying flexible and being willing to adapt, not only leads to a sustainable business but what’s more exciting is, it leads to personal growth for all the partners.

Solution: There’s 3 parts to the solution.

a-Mandate, enforce and re-enforce up close and personal, respectful and empathetic communication meetings on, at least, a weekly basis. These meetings are confined to the partners only and are done behind locked and closed doors. Bring in food. Do not go to a public place to talk.

b- There are always 3 realities: Yours, theirs and the business’ reality. Work with the reality of the business only and adjust your life to the needs of the business. I repeat, make your business the priority above and beyond all others and the “others” will have a phenomenal life.

c- Accept as fact, that you may have to change your place and responsibilities in the business as time passes. Welcome it with open arms. If you have a problem with this I say, respectfully, get a therapist as soon as possible. Your reluctance is connected to, and about, ego, self-image and self-confidence. It pays to have someone help you disentangle your emotions and consequently save your entrepreneurial career.

5th -Start the new venture on a 50/50 ownership platform:

If you’re forced to initiate an equal stock partnership, then having or learning patience, empathy, and anger management becomes even more crucial and essential than ever before. A 50/50 is fine until the “cracks” start to appear. If you don’t follow the advice in step #4, it could be the beginning of the end for everyone.

Some interesting points:

a-In a partnership breakup your net worth is never, I repeat, never what you think it is. It’s always much less.

b-Banks, customers, suppliers and even employees will scatter when they get a whiff of bad news on the horizon. Your net worth could entirely dissipate in the time it takes you to say “Wait, I changed my mind.”

c-Make the partnership agreement as simple as possible (two pages is good) or you’ll find that the lawyers will make more than you.

d-You could make a 51/49 % stock ownership with a 50/50 % profit split. It’s worth it to give up more on the profit split in order to get 51% ownership of the company. In any event, no matter what you decide it’s always wise to have salaries, expenses and benefits remain equal.

Solution: See the solution in step #4

“Now go with your eyes wide open”… Good Luck out there.

A Personal Note:

I’ll be accused of being negative and shortsighted. My response: That’s Crap. This is reality. This is life. It’s raw, pure, up close and certainly personal.

You don’t like the article? I understand. The truth and reality have a way of making people feel uncomfortable.

Just do me one favor. Print it and put it in a drawer, in a sealed envelope. Open it 12 months to the day that you started your business. If I was right you unfortunately learned a valuable lesson and if your verdict is that I was wrong, please take a closer look and search for cracks in the partnership relationship. You may be in the “subtle stage.”

Partnerships are great when they’re solid and built on mutual respect. Unfortunately, this is not a perfect world. This article is about possibilities that you must be aware of and in tune with. Consider this article a practice “fire drill.” Adapt now, because when the flames start to roar, it’s too late.

This article is about coating your business relationship with empathy. It’s about knowing that you’re not only responsible for your welfare and performance, but you’re also responsible for your business partners state of being. I’m not advocating that you become super-parent. I’m advocating for you, and this article is all about your protection and your financial and mental well-being.

Once again. Good luck out there and never, ever give up on your dreams.

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The Seven Wonders of the World

The world around is filled with all kinds of wonders and we can gaze at them only by opening our eyes and our hearts. After all you need to believe in magic to be able to believe it. However, if you’re someone who is a bit on the cynical side, we bring to you a list of the wonders that exist all around the world. If you are a fan of archeology, history or travelling you’re definitely going to enjoy this article. Oh and if you plan to travel after reading this, don’t forget to look into Cathay Asia Airlines.

1. The Great Pyramid of Giza
The crown jewel of Egypt and the only surviving architecture from the original Seven Wonders of the Ancient World, this pyramid is truly a sight to behold. This pyramid is said to be built as a tomb to the Egyptian Pharaoh Khufu. The building is approximately 480 feet tall and was the tallest building in the world for more than 3800 years. This pyramid when built was outlined with a limestone casing which with time got destroyed. Now you can only see the casing near the bottom of the pyramid whereas the top exposes us to the inner lining of the pyramid.

2. Petra, Jordan
Petra is often called the city of rose due to the red colored stones that it is made of. This beautiful hidden city is famous for its architectural grace and the water conduit system. Even though the city is located in Jordan, it was actually discovered by a Swiss explorer in the early 19th century. This place is also said to have structures that are more than 2000 years old.

3. Christ the Redeemer, Rio De Janeiro
This miracle took a total of nine years to be constructed due to the its location on the top of a cliff. This is the third largest statue of Jesus in the world. The raw materials for this statue were actually imported from Sweden. This beautiful statue was actually constructed as a sign of peace, to show that Christ loves everyone.

4. The Great Wall of China
This wall that stretches over 8000 kilometers was built over a period of 2000 years and renovated over time by many different Chinese dynasties. It is said that millions of people died while building the wall and that they’re buried within the Wall’s foundations. The Wall is also famous because it is the only structure on Earth that can be seen from the moon without any aids. Fascinating right? Go check it out yourself!

5. The Colosseum
This fighting ground of the roman gladiators took 8 years to build and was designed by the Roman Poet Virgil. The Colosseum has more than 80 entrances and can house 50,000 people at one time. It receives millions of visitors every year and is therefore the biggest tourist attraction in Rome.

6. The Leaning Tower
This beautiful tower located in Pisa is famous because of the way it inclines with height. The architecture has been constructed in a way that makes it feel tilted. If you’re ever in Italy, this is a must place to go to.

7. Taj Mahal
Constructed by an emperor in the memory of his beloved wife, this palace is a symbol of love for the entire world. The intricate architecture and carving inside this Mahal will make you fall in love with it. And if you don’t believe us, why don’t you go see it yourself? All you have to do is book your ticket using Cathay Asia Airlines.

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Smart Leadership in the 21st Century

Although we may claim that the world has gravitates from authoritarian rulership and that most countries in the world operate under a democratic ambience, but in certain parts of the world and over certain organisations preside some leaders who still lord over their followers without giving them a say at all in the affairs.

Every nation and society has its own leader, but what distinguishes the smart leaders in the world today from the bosses and the not-so-smart leaders? Consider the following traits.

The first trait of the smart leader in the 21st Century is that the leader has to EVOLVE. He should keep up with the times, with the latest techniques and updated information. Knowledge is power and the knowledgeable leader is not one that can be easily deceived or pushed about. The societies that use the most advanced methods in everyday life are the ones that lead the pack in today’s world.

In addition, the SMART leader is:

S- Simple/Straightforward: The good leader has to mean what he says, and say what he means. He must not be deceitful. His followers must be able to trust him and take his word for it in every circumstance. What he does not intend to do, he should determine not to say it. Also, the smart leader in this century must be a man of simple ways, words and lifestyle.
Gone are the days when leaders were marked by 100-foot billowy robes, with twenty servants carrying the clothes from behind. This can be tolerated from a bride in a wedding ceremony, but not from the world-class 21st Century leader. He should not live a complicated lifestyle or be unnecessarily extravagant. Simplicity does it these days.

M- Malleable: As mentioned earlier, the smart leader must be malleable, not rigid. He must be able to bend his views when it is necessary. He should be able to lower his standards when it is necessary.
Compromising your views at certain times is not a trait of the weak, but that of the intelligent. He should not insist on the status quo, or cling to ideas just because “that’s the norm here!” The norm is usually dumb. He must have a teachable heart that can learn new information at every opportunity. He must be malleable enough to learn from both young and old, rich and poor, male and female-anybody.

A- Accountable: Aha! Did the smart leader expect I won’t add this? It is inescapable for the smart leader to be accountable for all the human and other resources committed to his care. He must not be corrupt. Every penny in his administration must be accounted for. He must guard his citizens and his domain with the same intensity as well.

R- Resourceful: The leader must also be one with a limitless river of ideas constantly flowing for the betterment of his organisation. He must be very creative and actually SMART. As in, really intelligent. If a dumb leader is put over a domain, he will mismanage and diminish it. The leader must be able to multiply the little he has been committed with, and multiply it. He must commit to being constantly trained in order to further equip his intellectual arsenal.

T- Technology Literate: Finally, in this Internet Age, many wars are won or lost on social media. The smart leader in the 21st Century must be one who is very much versed in at least some high-tech devices. He must not be an illiterate with the computer or with the internet. He must make it a point of duty to learn the use of one new technological gadget every six months. That will set him apart and make him the man/woman to beat by the other leaders. He will find out pretty soon that he is a trail blazer in leadership. It does not matter whether he is presiding over a family or over an entire nation, such person will be a trail blazer.

Emmanuel Sokefun is a freelance article writer, in addition to being a novelist, poet, hymnist, songwriter and a lover of the academia.

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Have You Ever Heard of Parallel Marketing?

Have you ever heard of Parallel Marketing?

If you haven’t I’ll explain it to you in just a sec.

I love the technology of the day. No more hassling friends and family, no more 3 foot rule, no more inviting everyone you know over to your house so your sponsor can “show the plan”, no more winding up being a member of the NFL club. And no, sports fans, I’m not talking about the National Football League.

In this case I’m referring to the NFL club as for NO FRIENDS LEFT club.

Trust me, back in the day your friends didn’t even want to see you coming because they knew you were going to try and sell them on looking at your business. And before you knew it… no friends left.

Thank God for the Internet. Now, even the most introverted guy or gal has a shot at building a downline that could pay them the extra money to make a car payment or afford the vacation of their dreams.

And this brings me to the question I asked you earlier. Parallel Marketing?

Parallel Marketing is when you offer someone something of value that other networker’s need which, in turn, helps them build THEIR business. This brands you in their eyes as someone they can trust. Therefore developing a bond of friendship between you and them.

I believe the FREE resource I’ve found is perfect for Parallel Marketing and thus helping you build YOUR business.

And to think I found this resource by accident. One night I was speaking with a fellow networking friend who asked me as to whether or not I had ever heard of a site that was ideal for networking. I responded with no, never heard of it. Anyway, I took his advice and went over to the site and started reading some of the comments of its members. Then I noticed some of the members kept talking about this new site. I figured I had better check the site out too. Next thing I knew, I was signing up as a free member, then happily upgrading.

The resource below will help you increase enrollments into YOUR business. Plus there is actual training that’s afforded to you too! And right now, for a limited time you can sign up for free and receive a Lifetime membership.

Anyway… here’s the link to hear an industry veteran explain what could very well be the secret to your business exploding within the next few months.

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Are You Eligible for These Sunshine State Travel Discounts?

If a Florida vacation is in your future, then find out if you’re eligible for these travel discounts in the Sunshine State. Although they are relatively easy to get, if you don’t know how or where to apply for them, you’ll totally miss out on some hefty savings.

Save at the Toll Booth

First and foremost, if you have a significant dexterity disability, you may be eligible for a free pass when it comes to Florida’s toll roads. The Disabled Toll Permit saves drivers both time and money; and although it’s often overlooked by visitors, it’s easy to obtain if you meet the minimum qualifications.

In order to qualify for a Disabled Toll Permit you must have:

A valid driver’s license
An upper limb or dexterity disability that prevents you from tossing coins into a toll booth basket
An adapted vehicle
The permit is valid for five years, and it can be used at manned toll booths throughout the state. Just show the toll booth operator your permit, and you’re good to go. For more information about the Disabled Toll Permit, call (800) 983-2435.

Once you receive your Disabled Toll Permit, you can also apply for a Sun Pass non-revenue mini transponder. There is a $4.95 fee for this electronic device that attaches to the windshield, and allows users to pass through unmanned toll booths at no charge.

For more information about a Sun Pass non-revenue mini transponder, call the Florida Commission for the Transportation Disadvantaged at (561) 488-5344.

State Park Savings

Additionally, veterans with a service-connected disability can receive a free military entrance pass, good for admission to all Florida State Parks. This lifetime pass is valid for park admission of up to eight people, except at Ellie Schiller Homosassa Springs Wildlife and Weeki Wachee Springs parks, where it’s good for up to two people.

Proof of identification, service-connected disability and honorable discharge are required. Acceptable documentation includes:

Valid driver’s license.
Documentation from Department of Defense or another appropriate agency of service-connected disability.
DD Form 214 showing honorable discharge.
The military entrance pass can only be obtained in person at any Florida State Park. Surviving Spouses and parents of US military members who have died in combat are also eligible for this pass.

Honorably discharged veterans can also receive a 25% discount on individual or family passes. These passes, which are valid for one year, are good for admission to all parks. A valid driver’s license and a DD Form 214 are required to get the discount; and like the military entrance pass, it can only be obtained in person.

And if you don’t qualify for either of those passes, but you plan to visit a number of Florida State Parks, you can still save some money by purchasing an individual or family annual pass. These passes are good for one year and they can be purchased at any state park entrance. The individual pass is priced at $60, while the family pass costs $120.

So plan ahead, bring your documentation, and rack up some savings on your next Florida vacation.

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10 Important Things To Keep In Mind Before Starting An Online Business

These ten factors may not necessarily appear in the same order as listed below but certainly, they are vital for the issue at hand.

HERE ARE THE TEN QUESTIONS TO ASK YOURSELF:

1. What type of online business do I want to engage in?
2. What do I have on offer that will be better than my Competitors in my niche?
3. Do I need to prepare a business plan for my business?
4. How much will it cost to set up my business?
5. Is my business online based or BOTH online and offline?
6. Do I need a dedicated website for my business and how much will it cost?
7. How will I market my business whether online or offline?
8. What is the right strategy to use to market my business?
9. Am I getting value for money in advertising my business?
10. Am I reaching the right audience with my advertising?

Having a positive answer for all these questions can only lead you to the next stage of your pursuit of running an online business.

Engage yourself in research into the business you want to get involve in and have a go at it. Take for instance, the Mobile Phone Industry. Statistics have shown the total number of mobile phone users worldwide from 2013 to 2019. For 2017 the number of mobile phone users is forecast to reach 4.77 billion. Customers and potential customers use their mobile phones to browse the internet for Products and Services more than a Laptop or Desktop computer, so it make sense for business owners to utilize this piece of technology for marketing their products and services. This could suggest that there is an opportunity to tap into the mobile app industry to meet the needs of these businesses requiring mobile apps.

Millions of apps for almost anything you can think of, are now in circulation whether for free download or at a cost. You might ask, why don’t I have a slice of the pie and start a mobile app business? The excitement kicks in, but one has to have some kind of knowledge about the whole App design process. This will probably force you to dig deeper into your research on the whole aspect of mobile app development. With this being established, my first question is answered; through study and research, you have made an informed decision to get involved in Mobile App Design and Development. But, what will you be offering that will be better than your Competitors? This is not a simple question to answer, but to say the least, strive to offer quality products and services to customers, and simply make your Products and Services more affordable while maintaining quality.

Starting a business without some kind of a business plan is like driving onto a very long motorway with 1/4 tank of fuel, with the hope that it will take you to the next service exit. The business plan will give you a breakdown of what you need for the business even though success is not guaranteed, as there are a number of opposing factors along the way.

There are a lot of businesses with little or no startup cost as opposed to other businesses with huge startup cost. It also depends on whether your business will both be online and offline. You have to decide if the business you want to indulge in, has minimal startup cost.

To setup an online business, does not have to cost an arm and a leg, if you take the time to do extensive research into the business you want to get into.

If your business is online based, advertising it to the right audience can be a huge task. Finding the right sources to advertise your business, can be quite challenging and risky as this is where you can spend huge sums of money to advertise, but yet get little return on investment if the advertising strategy is wrong.

Advertising a business to a targeted audience involves a number of factors like;

1. Google Indexing
2. Search Engine Optimisation (SEO)
3. Domain Authority (DA)
4. Page Ranking (PR)
5. Back links
6. Social Media
7. Joining Forums
8. Blogging
9. Google AdWords
10. Google Analytics
11. Keywords Research

To do all of these stuff can be demanding and boring, but if you need success in any business, you just have to get on with the task at hand.

Handing over this challenging task to an SEO Expert can be quite expensive. If you put the time and effort in and do your research and utilize the available SEO tools on the Market, believe me, you can bring your online business to life without ‘breaking the bank’.

To conclude, I would say to minimise business startup costs, try to do as much as you can yourself. When you have exhausted all avenues, seek help.

I did not need any website design experience to build the Apptitecture’s website. Therefore, not having to ask a web designer to build a website, has saved me some money which I was able to channel elsewhere in the business. Starting an online business can be quite daunting but with hard work and determination, you can have a successful business in the end.

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Cellular Or Mobile Phones: How Are They Affecting Children And Us?

I am sure you are using one of them, like almost everyone else doe’s including me. As you become aware about some things, most likely you will be making changes the way you use a cellular phone from the information and awareness you be reading about.

There are as many as over 7 billion mobile phone subscriptions worldwide. Continued research to clarify any health risks coming from cell or mobile phones is ongoing. The first thing to come to mind is electronic radiation such as changes to sleep patterns and brain activity. Lots of evidence demonstrates that radiation from cell phones is a real danger.

Many different researches over years have confirmed that long-term exposure to cell phone radiation is a significant risk to health. Such findings of course are strongly denied by the other side of that argument, depending on which side of the argument you listen to. Debates like this have been ongoing for years and most likely will never be settled. After all, why would designers and manufacturers admit to any danger coming from phone usage? This would certainly kill the goose that lays the golden eggs!

The international agency for research, which is part of the world health organization released a statement over five years ago and declared cell phones a class B Carcinogen.

Long Term Exposure: How Long Is Too Long?

Whatever the brand name, I Phone, blackberry, android, tablets, Smartphone’s or just a basic flip phone has revolutionized communication in the 21st century. Some people spend as much as 2 ½ hours or more on the phone daily. Because cell phones are providing an efficient and easy way to communicate, but at the same time this can also take a toll on health.

The possible effect of a long-term heavy use of any mobile phone and the length of each call matters. The amounts of time people use cell phones are important factors which enhance the health related risk. The amount of radio frequency energy from a mobile phone use being released depends on different factors, such as distance from face and ear, the type of phone used, and the distance between cell phone towers.

What these findings are telling us: Make your conversation on a cell phone as short as possible or better still use a hand free device which places more distance between your head and the phone. Turn off the phone when not in use. Use the speaker phone when possible. Keep your phone away from your body as much as you can. Never use your phone while driving or even worse texting; this puts you and others in a potentially dangerous situation.

Children Are More Vulnerable

Children have the potential being at greater risk and affected in different ways. The brain of a child is not fully developed until the age of around 20. This makes any exposure to electronic radiation and radio frequency more dangerous for children than for adults. The other issue which affects a big percentage of children as well as teenagers is eye vision. Looking at mobile screens, what is it doing to kids’ eyes? Almost at any age children love playing with smart phones but what are the long-term effects?

Unfortunately some people are using such gadgets as baby sitters for the children without being aware of the damage it does. Children like to watch things close up on screen which is contributing to spike in becoming short-sighted. Studies have shown there is an alarming increase that affects many children between 10 and 12 years old and the amount has doubled over the last decade. The fact is: The more kids watch things close up on screen, the more they put their eyes in danger.

It is most common for children to develop myopia which gives a blurry long-distance vision. Myopia can also increase the risk of other eye problems in adulthood as well, including cataracts and blindness. However, most of the myopia cases are as young as six and 15 to 18, of course genetics play a role in severity in this.

As a guide, reduce screen time to as little of 2 hours per day from 2 to 5 year olds. There should only be a small increase of time allowed for older ones. Actually in Taiwan, if a child under the age of 2 has been found with a tablet or playing with any cell phone the parents will get a heavy fine.

Children who spent more time outdoors in fresh air and sunshine have a far lower rate of myopia. Limit the screen time, encourage kids to spend more “green time” hours in nature outdoors for better health. Make sure to include a colorful veggie diet from leafy greens which contain lutein, this is known to help eye sight and vision.

In General Common Sense Applies

A cell or mobile phone for most people has been one of the most revolutionary developments in time. It is a great communication tool being able to carry it with you wherever you go. It is a good security and emergency device that can save lives. So, what is wrong with all of those gadgets?

Could it be just the one who is using it creating that problem?

There are too many people going to the extreme and don’t know what is any longer normal or reasonable. That also applies to our food intake, beverages, including alcohol, and tobacco etc. All of those are not, or less harmful if used in moderation. If only used for short time this also can apply to cellar or mobile phones, and can reduce the risk factor as much as eighty percent.

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The 8 Questions You Must Ask Before Working With Any Business Credit Building Company

There are few business credit building companies out there, however, those that are out there are taking advantage of the lack of knowledge from the general public regarding business credit and how to get a business loan.

DON’T LET THEM RIP YOU OFF!

I’m going to try to show how to get unlimited capital for your business…

Without risking your personal assets, lowering your personal credit score, or damaging your personal credit history

These 8 Simple Questions will ensure Your Success Building Business Credit when looking for a Small Business Loan

There are simply too many people who hire business credit building companies that are not happy with the results. Before choosing another company, if you ask these 8 questions you will be assured that you will be working with a legitimate company who can help you build business credit and more importantly get the small business loan you seek. Getting that business loan is after all what you’re looking for, isn’t it?

Why is it so important to work with knowledgeable advisor? Why can’t you do it on your own? The Fair Credit Reporting Act does not apply to the business credit bureaus; this means that if you make a mistake, skip a step, try and take a short cut, your business credit file can be “Red Flagged.” This means your company is prohibited from receiving credit and perhaps that elusive business loan.

There is a proven step-by-step process that MUST be followed if you plan on properly building your business credit and getting working capital. If you don’t follow the proven process then you can be put into the “High Risk” category. When that happens, no lending institution will give you a cash advance or small business loan and there is nothing you can do to remove it.

Make sure to choose a honest credit building company that has the knowledge, experience and proven systems to support you, before you decide whom you will work with, make sure to ask them these 8 vital questions.

Question #1

Will I be obtaining only trade credit or CASH credit?

Be careful, there are a number of companies out there that will only help you obtain trade credit. Trade credit can only be used with the individual creditor, and nowhere else. This is great if you need $3000 of paper products, but is useless if you need payroll loans, inventory loans, or simply to cover business expenses or expand your company.

And if it is CASH credit, will I always need to personally guarantee the application?”

If the company says you will always have to personally guarantee all types of credit – then you are NOT receiving the full benefit of business credit. Keep in mind, the solution must introduce you to business funding services that will not require a personal guarantee, however these non traditional lenders will still be checking your personal credit and need your social security number. They do this to stay in banking compliance.

Question #2:

Will a trained coach show me, step by step, how to incorporate my business and build business credit with an eye to getting that merchant loan or business loan?

My guess is that if you wanted to figure out the intricacies of incorporating your business, and building corporate credit on your own… you would have already done so. (I’ve done it. And believe me… this is NOT stuff you want to muddle through on your own.)

So if you won’t be receiving step-by-step instructions supported by a trained credit coach, resulting in a predictable successful outcome, call another company. (I’ll spell out each step for securing business loans without traditional personal guarantees in crystal clear detail in a later article).

Question #3:

If I get stuck while I’m taking all those necessary steps, will I have to pay you hundreds or even thousands to help me figure it out?

Many companies charge low fees up front and continue to tack on heavy, additional charges each time you call or write for help.

Make sure they deliver everything you need to know to secure a bad credit business line of credit or high risk business loans, all without the traditional personal guarantee. Make sure you will have access to a dedicated coaching advisor and who places no limits on how often you can speak with them.

Question #4:

Will you have the ability to set up capital loans, and monitor the development of your business credit score with all major business credit agencies all within your coaching platform?

Why work with an advisor who is trying to blindly lead you!

Question #5:

When companies promise to get you cash credit, ask them this pointed question: “What type of paperwork is required to get cash lines of credit?

Beware of companies that say it is not required to furnish any financial statements, tax returns, business plans, bank statements, etc., to obtain a small business loan without a traditional personal guarantee. When it comes to getting approvals for cash advance without a traditional personal guarantee, you will need to show that your company is financially responsible and you do this by showing it earns revenue, pays its bills on time and has establish good business credit.

If the company tells you that you can obtain this type of financing without providing any real documents, don’t bother working with them, they are not being honest.

Think about it, is a lender really going to give you hundreds of thousand of dollars without a traditional personal guarantee without you having to show them that you are a “safe-risk?” Over time I will show you exactly what you need to do in order to become a safe risk and secure a small business loan.

Question #6:

How are your coaches paid?

This is a really important question! How would you like to work with someone that could care less if you obtain the business loan you desperately need? Think about it!

Question #7:

When it comes time to apply for a business loan, are you going to pass me off from lender to lender?

This is another very important question. Virtually every credit building company will, when it is time to apply for a business loan, pass you off to one lender to apply, and then tell you to go and apply at the next lender and so on. They literally end up sending you on a wild goose chase and just hope that one of the non traditional lenders can obtain capital loans for you. Does this sound like something a real business credit and financing expert would do?

Question #8:

What kind of a guarantee do you offer?”

It’s critical to get the specifics about guarantees. Because most companies that offer guarantees or promise only that your corporation will get a 80+ Paydex score. While this is a start, it’s not good enough –

If after completing your program, you should have:

Corporate Compliance and documentation review

D&B file and a D&B rating

D&B Paydex Score

Business credit file with Corporate Experian with an intelliscore

Business credit file with business Equifax with the appropriate business credit score.

Trade accounts and/or Vendor Accounts with and without a personal guarantee.

A Business Credit that can be used to leverage financing opportunities

This is not, by any means, a comprehensive list of all the questions entrepreneurs should ask when it comes to building corporate credit. But if you address these costly and dangerous errors, you will be on your way to building a safe, secure, and financially sound business-the business you always dreamed of!

Hopefully, these 8 questions will help ensure that you work with a credit building company that will be honest, upfront as well as help you successfully establish your business credit and leverage it into new small business loans and opportunities for your business.

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Preparing Your Car for Winter

The Canadian winter season can considerably influence driving conditions. In situations like this, drivers are more prone to accidents. It’s critical to focus on cautious driving to protect yourself and keep your family. Safe driving also helps minimize your insurance rates while reducing wear and tear on your vehicle.

Here are a few checks that you can perform to ensure that you, your family and your vehicle remain safe over the winter months:

Take your auto in for a tune up before the first snow fall. Having the peace of mind of a well maintained vehicle all year is an excellent idea, but it’s particularly essential during the winter when driving conditions are impaired.

Ensure you have the right oil for your vehicle. In general, thinner oil like 5W30 works better in cold winter conditions than 10W30 or 10W40, which are thicker. Thinner oils circulate easier, which makes lubrication of your engine easier in cold temperatures. To find the right oil for your specific vehicle, check your owner’s manual.

Keep your gas tank full. A full gas tank lowers the chances of running out of gas and being stranded. In addition, it brings down the possibility that your gas lines will freeze up because of condensation or water vapor buildup in extremely icy climates.

Ensure your battery is in great condition. Being stuck in remote areas and being unable to start your car is dangerous. Check that your battery’s connections are corrosion free and for batteries older than 3 years, consider testing its capacity to hold a charge.

Ensure you keep a winter emergency kit in your vehicle. A well thought out kit can be a lifeline in the event that you are stranded in the middle of nowhere, or on a highway. A high-quality winter kit for your car should include:
No less than one warm blanket.
A flashlight.
A shovel, in case you need to dig out of deep snow.
Additional warm garments, including boots, gloves and caps.
A well stocked first aid kit.
A bag of salt or sand to give you extra traction if you get stuck.
Food and drinking water. Foods with high sugar content are excellent choices.
Jumper cables.
A flare.
Spare windshield wipers.
Extra windshield washer fluid.

Test your tire pressure. Because of the colder air, your tire pressure tends to drop a small amount in the winter. Keeping your tires at the maker’s prescribed pressure makes your vehicle simpler to handle, making you more secure on the road and will even improve fuel economy which will save you money!

Check that your anti-freeze mixture is correct. Your coolant should have a 50-50 mix of anti-freeze and water. If you’re uncertain, you can purchase a reasonably priced anti-freeze analyzer at most automotive part stores. Keep your anti-freeze levels above 50% to prevent leaving your engine susceptible to freezing up.

Think about snow tires. If you tend to get heavy snowfall in your area, it might be worth getting snow tires for your vehicle throughout the winter months. The deeper grooves on snow tires provide substantially more traction on snow covered surfaces, which makes them able to stop your vehicle up to 40% more rapidly than all season tires. As well, snow tires are constructed with a specific type of rubber which lets them to preserve their flexibility even in coldest winter conditions.

Consider replacing your windshield wipers if they are not in good condition. Defective windshield wipers can essentially debilitate your capacity to see in wet and icy climate conditions. If your windshield wipers are not making good contact with the windshield and are not clearing it properly, they should be replaced.

Check your brakes. On the off chance that it’s been over six months since your last brake check, have them checked again before the winter driving season. With the dangerous conditions that winter brings, having the capacity to stop quickly is much more critical than in warmer climates.

Performing these checks before the ice and snow can keep your vehicle running safely and easily all winter season. This will give you one less thing to stress over when you’re driving and help to keep your auto insurance premiums low.

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