Business

Equipment Leasing: The Big Three

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Sports teams have the Big Three many times when they win a championship, and your business will need them too. The three big C’s in business financing are: cash flow, credit, and collateral. To stand a chance of getting money from a lender, you must have at least one of these positively thoughtful attributes, and if you have two or all three, then your options open up dramatically.

The traditional eight “C’s” in banking are: credit, character, cash flow, capital, capacity, collateral, terms and commitment. For bank approvals, you often need to get all of this online, which can be quite daunting for many businesses, but with third party or alternative financing, you really only need to consider the “Big Three” and sometimes you only need one of they.

Cash Flow – The key to receiving a lease or financing approval is positive cash flow. Most insurers’ formulas add net income to a portion of depreciation (because depreciation is a non-cash expense) and the resulting free cash flow must exceed the amount of the annual lease payments. Many lenders require cash flow to exceed lease payments by a multiple of 2-5 times, depending on the dollar amount requested. Typically, the documents needed to verify cash flow are tax returns, financial statements, and business bank statements. When cash comes in, even if other areas are poorly managed, it shows that the company is selling and moving a product or service, which is always a healthy sign.

Credit: Dunn & Bradstreet and Paynet track business credit scores. Indicates the risk category that a business operates; Linkages and defaults on other loans are also recorded. A company should pay special attention to what is on its report, as creditors place a high value on the information it contains. More and more lenders are using the D&B report as their initial review of a business.

Since for small businesses, the owner can guarantee a lease transaction; personal credit plays a large role in lease approvals. FICO is the system that tracks personal credit; A credit score of 700+ is required for “A” lenders and 650+ for “B” lenders. The main difference is that an “A” lender will finance a higher dollar amount at a lower interest rate. Lenders feel that if an owner manages his personal affairs correctly, then he is more likely to manage his business in the same way. Both business and personal credit play an important role in qualifying for outside financing. Don’t ignore it, even your company is making a lot of money but you make the mistake of not paying your suppliers.

Collateral: Not all businesses have a great D&B rating or have a credit score over 650, and many haven’t reported positive cash flow in quite some time either. However, there is still hope if you have good collateral assets. Some lenders offer leases to applicants that pledge collateral in addition to the equipment being purchased. A good collateral might be stocks, CDs, heavy equipment, trucks, yellow iron, or real estate. There are certain specialized lenders for each type of collateral who know the specific market very well.

Having at least one of the Cs (cash flow, credit, and collateral) will help you get approved for outside financing, and if you’re positive on all three, you’ll have a variety of options depending on your business goals. Whether it’s for working capital, a location expansion, or the purchase of new equipment, you’ll find that alternative financing will be much more flexible in terms of your qualifying requirements compared to traditional loans.

Home Kitchen

Modernize your bathroom with a professional remodel

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The bathroom is one of the main rooms in the home that significantly influences the quality and value of your property. Outdated bathrooms can be an eyesore and make it hard to feel comfortable in the space. If you’re ready to update your bathrooms, then it’s time to find a qualified contractor for new construction in your home.

The following are some ideas to consider when remodeling your home’s interior or exterior bathroom.

Use metallic mosaic accents

Metal tile accents in brushed stainless steel and copper can brighten up the space allowing you to look stylish with a unique look. Use the tiles in a decorative backsplash that can draw more attention to the sink. These tiles can be used to enhance the design of your shower or floors. Subway tiles have a timeless look and will continue to look elegant in the space for the neutral form.

Create a shower without a door

Doorless showers look stylish and provide easy access for children and the elderly. Be sure to check out the new trend of multiple shower heads and embrace it by building an open shower that showcases this feature. Doorless showers are especially functional for an exterior bathroom remodel project near a pool.

Add dramatic lighting

When you start your new bathroom remodeling project, consider upgrading the lighting fixtures to make the room look modern. Install sconces on either side of the mirror above the sink, or hang a dramatic chandelier to serve as the centerpiece of the bathroom. Bronze or copper lamps will also look decorative and can transform the room.

Use marble or quartz countertops

Marble is a popular material to use for countertops, which will allow the setting to look luxurious and majestic with its clean design. White countertops make the room look spacious while creating a light and airy feel. If you’re on a budget, consider adding quartz countertops, which are similar in design and just as beautiful. The high level of durability will allow the material to last for many years without chipping or cracking with frequent use.

Install a pedestal bathtub

Installing a pedestal bathtub during a new home construction project will transform the room and function as the focal point of the space. The claw foot pedestal bathtub can be placed under a window or under a lamp to create just the right balance. The feature can also be painted in a color tone that can be the accent in the room.

While all the ideas may not be to your liking, feel free to pick the one that speaks to you. Use them as a whole or as accents for the new bathroom look in your home.

Auto

3 benefits of flatbed trucks

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Flatbed trucks are a practical option for transporting large, bulky goods that need the open space of a truck trailer or must be lifted with a forklift or crane. Some of the common items to transport include plumbing supplies, machinery, aircraft wings, lumber, and automobiles. Here are some pros and cons related to platform transport:

Ease of loading

The open nature of the flatbed trailer is appreciated by the complete ease of loading. The enclosed trailer has a confined space and this can make loading large items such as a prefab roof very difficult. However, the platform has the ability to give complete freedom in what can be loaded and will accept the largest pieces of plumbing or lumber supplies. Also, upon arrival at the intended destination, the download process is much easier and is completed in a relatively short time.

Variety of materials

The flatbed trailer is a useful option if you plan to transport a large volume of different materials in one trip. This makes it possible to easily move materials for interior work, lumber for basic framing, and other essential supplies for a home project. A huge benefit of this is the ability to reduce shipping costs for faster project completion and a higher profit margin.

No loading dock

While dry vans are the most popular option for transporting goods of all kinds, they do have certain limitations. A major issue with these types of vans is the need for easy access to a loading dock to quickly load and unload their contents.

However, the flatbed trailer does not have this type of restriction. It has the ability to deliver cargo to virtually anywhere. This may include a residential neighborhood or a large construction site. The increased flexibility of use makes them more attractive to lumber contractors and shippers.

Are there any negatives?

In addition to the positive aspects of using the flatbed trailer, there are also some negative aspects that are worth mentioning. A trucker driving a conventional trailer only has to worry about damage to goods in the event of a dropped load. But, with the open nature of the platform, there is the potential to cause significant damage not only to cargo, but also to those nearby if something is dropped. For this reason, it is essential that the truck driver be a skilled, organized and detail-oriented person.

Digital Marketing

How to write content for email marketing

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Many people get stuck trying to figure out what kind of content to send to their email subscribers. But, there is really no limit to the way email can be sent. You can send videos, text, beautiful HTML newsletters, and more.

The types of emails you should send to your email list include all of the following, but this list is not exhaustive.

welcome emails

You should always send a welcome email to explain to your audience what to expect from being on your email list. Tell them how often they will receive messages from you and what types of messages they will receive.

Thank you emails

Every time someone signs up, or has a great response to an offer, send a thank you to the entire list. It will make those who accepted the offer feel great and make those who didn’t more curious about the offer.

ECourses

An email is a great way to send how-to lessons to your audience. You can do a series of emails that task them with things to do that ultimately leads to a goal.

promotional emails

While you don’t want every email you send to be promotional in nature, you do want to promote because that’s how you’re going to make money. Use the other emails as a way to create a promotional email.

Advertisements

If you have a new blog post, a new video, a new e-course, something new to offer your audience, or even some personal ad to make about your life (when relevant), then you should send an announcement to your list.

newsletters

Having a regular weekly or monthly newsletter is an important component of having a profitable email list. There are many different things you can include in a newsletter, such as a reminder of other emails, blog posts, information summaries, etc. All of this will work very well in a newsletter.

Advice

If someone asks a question in person, on an advice call, on a message board, or in an email, you can sometimes turn it into a message to send to your email list. Giving advice to everyone on your list about something will add a lot of value to your list members.

Educational

One of the things you need to do for your list members is educate them about your niche, which is something they care about. Tell them about problems and solutions that may be of interest to them.

Sending a variety of email types through your email list, and in different ways, will keep your audience excited to open every email you send them. Choose some of these types of emails to send to your audience. Test how each one performs in terms of opens, clicks, and results.

Relationship

Search for Italian film ‘Lost’ reveals vital business lessons

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Here’s some great news for epic movie fans…

A largely forgotten 1942 film version of Ayn Rand’s autobiographical novel. we the living has been released on DVD for the first time.

It’s been a long and winding road for this movie.

I think some vital lessons for aspiring entrepreneurs lie along that path. But I’ll get to that in a second.

we the living It was produced in Italy during World War II. But after a brief theatrical run, Mussolini’s government realized that showing a film about a young, independent woman’s struggle against a police state was perhaps a bad idea in a fascist country. So they suppressed the film and ordered it destroyed.

About two decades later, Erika and Henry Mark Holzer, Ayn Rand’s legal representatives, learned about the film. They promised to track down a copy and eventually republish it.

As Henry Mark Holzer has explained, his challenges included locating the film, reaching a settlement with its owners, copying the flammable nitrate negative onto security material, shipping the materials from Rome to New York under intense scrutiny from US Customs USA and re-cut the four-hour movie.

In addition, they had to write subtitles that didn’t exist before, make a deal with the Ayn Rand estate, find a distributor, and promote the film.

“Other than that,” Holzer has said, “it was easy.”

we the living it was finally screened for the first time in over 40 years at the Telluride Film Festival in Colorado in 1986. It has since become an “art house” favorite and, as I mentioned before, is now available to view. at home on DVD.

Well, what are the business lessons we can learn from the Holzer story?

one) A great product, be it a movie, a book, a set of instructional videos, you name it, can and will find its market, despite all odds, if it has a true champion fighting for it.

two) Setting a goal and creating a plan to achieve it is the only way to make the invisible visible. (Or a “lost” movie in an underground classic.)

3) Stubborn determination can overcome almost anything.

Health Fitness

What is HITT cardio training?

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HITT or High Intensity Interval Training is an easy way to burn all those fats and calories in your body without trying too hard. This much higher and more intense cardiovascular mode of interval training has become all the rage in the bodybuilding industry for its benefit of helping the body burn fat to a greater extent.

The main benefit of HITT or high intensity interval training is that it allows you to lose all the fat. HITT is also known as cardio exercise in a conventional way, with better and more efficient results for all fitness lovers or bodybuilders.

The very old form of cardio talked about losing weight by exercising at low intensity or low intervals for a longer period of time, but high intensity interval training is a modern form of cardio that relies on the technique of exercising intensely at ranges from light to moderate level.

This very fact that HITT works in the opposite way to conventional technique, makes it the improved version of the latest form of cardiovascular exercise.

Since the high intensity interval training technique is based on intense workouts with low and medium pace changes, rather than continuous pace, therefore it also tends to burn more fat and that too in less time.

The main benefit of HITT or High Intensity Interval Training is the fact that in a normal exercise routine, your body gets used to the pace and effort and therefore you don’t lose as many calories as you intended.

Also, by getting used to the intensity of normal cardio exercise, your body also begins to conserve some calories as it stays in a constant or steady mode. So, when working with an intense and alternating level of exercise, your body cannot get into a constant or steady state and therefore continues to lose or burn fat and calories without having a chance to store them.

HITT also has its cons, making it ‘not suitable’ for a particular category of people involved in cardio training or workouts. The real reason is the level of intensity involved in it, which makes it risky for people who have medical limitations such as those with heart or cardiovascular problems.

Another reason that makes some people stay away from the benefits of HITT is the fact that not everyone is capable enough to train according to the requirements of this high-intensity interval training program, as it requires more physical effort.

This form of cardio may sound difficult and unreasonable, but there are techniques to get used to the intensity and level of HITT. The trick here is to start at a low pace for 5 to 6 minutes, increase the pace to a high speed, and then go back again to 4 to 6 minutes of training at a low pace, and finally go to 2 or 3 minutes at a low pace. along with high-tempo training.

The basic idea behind high-intensity interval training is to do a cardio exercise (ranging from biking, brisk walking, running and treadmill walking, or elliptical training) at an alternate pace level that includes interval half a minute or a full minute or a break before the change of pace. from smallest to largest or largest to smallest. This is all based on the goal of progressively burning fat faster and faster, therefore for every bodybuilder HITT or High Intensity Interval Training makes sense when committed to a strict fat burning regimen. or weight loss.

You can always reduce your gym time by introducing High Intensity Interval Training into your weekly exercise routine, because with HITT you don’t need to spend the regular number of hours that you do at normal level of training, also with HITT you need to train only 4 to 5 times a week or it can be even 3-4 times depending on the level of intensity you are involved in.

HITT is easily disguised by the amount of huffing and puffing it elicits from a person, so if you’re sweating and breathing well, then you’re burning all your fat with the high-intensity interval training version of modern exercise.

General HIIT guidelines that everyone should follow when beginning the HIIT regimen regularly:

Before starting HIIT training, always make sure you have the potential to exercise for at least 20-30 minutes at no less than 70-85% of your expected maximum heart rate, without exhausting yourself to the limit.

Also, it is very important to warm up and cool down for 5 minutes, each time, before and after each HIIT session.

During your recovery intervals, if your heart rate doesn’t drop back down to about 70% of your maximum heart rate, it means you need to reduce your hard work intervals and extend your recovery intervals.

Always keep in mind that HIIT is designed for people whose key interests are improving their cardiovascular fitness, endurance, and overall fat loss without losing the muscle mass they already have.

Because it is an intense mode of training, you are required to put in your full effort and intense level of performance before changing your pace level from high to medium or low. In simple words, exercise as hard and intense as you can and then go back to doing 2-3 minutes of training at a slow pace to recover. This is why HITT is a faster and faster form of training.

For those involved in a routine high-intensity interval training program, it’s recommended that you don’t ignore the importance of taking a minute or 30-second interval when changing pace. Also, stop and calm down when you feel chest pain or have trouble breathing. This is also why even those who are new to the muscle-building routine tend to ignore HITT. Therefore, the intense level of the program in HITT is not recommended for anyone who falls into the category of having a health problem or being a newcomer, unless the physician or doctor has given them an opportunity to do so. level of cardiovascular activities.

Legal Law

Insurance companies suffer due to forceful advertisements from law firms

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No matter where you look these days, you’ll almost be bombarded with images of lawyers advertising their services to you. “Have you been in an accident? Then contact us NOW.” Phone books are alphabetized with bold headlines and letters, as well as horrific images of car accident victims, along with an advertisement for free services until you get a claim. Some of the ads offer short-term loans against future settlements. For a closer look at personal injury attorneys, visit this site.

Aggressive advertising by personal injury lawyers is helping drive up the cost of claims, says an insurance bureau. Some companies have been forced to stop selling insurance to motorists due to the increase. Basically, the ratio of minimal damage to large claims for the accident is seeing insurance rates go up, and the fact that they get big rewards most of the time doesn’t help. While insurance companies are more than happy to pay for actual injuries, they feel like they are being ripped off due to the high number of claims.

Depending on the insurance company in question, insurance premiums are rising to new heights. Good driving risks will only see a fifteen to thirty-five percent increase. If you have a ticket or accident on your record, you will be charged a much higher increase.

Personal injury attorneys question the rise in claims costs related to attorney advertising. An attorney doesn’t understand the connection between the insurance bureau and the number of claims and the attorneys’ advertisements. Anyone who has been harmed by another motorist should be able to assert their right to damages. However, there is scope for reform arising from the offering of short-term loans to individuals instead of waiting periods for settlement. You will get a deeper understanding about Melbourne personal injury lawyers by checking out that resource.

There are other lawyers who do believe that the avalanche of advertisements from the wrong plaintiffs’ attorneys attracts people interested in suing. He has no problem with that at all. It is unfortunate that the insurance bureau finds the fact that attorneys are telling people about their rights and how to enforce those rights. While insurance company rates have increased in recent years, and there are certainly reforms to be made, he doesn’t seem to get much cooperation from the insurance industry in making those changes.

A president of the Bar Association says the insurance industry could save costs if it focused on reducing the number of accidents that occur. He goes on to say that he hasn’t heard anything about insurance companies asking for a ban on driving while using a cell phone. Why don’t they take the initiative to make the roads safer and try to reduce the number of accidents, the man asks. Profits have been cut lately and investments have not paid off for insurance, he says.

Insurance lobbyists want legislation that makes double dipping illegal for claimants. Certain claimants seek compensation for lost wages in situations where they have already received compensation under their existing employee benefit coverage. In addition, the payment of lost time does not deduct income tax or deductions. As a result, employees are more reluctant to return to work. You can earn a lot more money in the long run if you don’t work.

Lawyers don’t have up-to-date numbers on how many injury and accident lawyers are currently practicing, but agree there are few places that allow so many lawsuits to be filed. Most actually allow damage claims based on pain and suffering, but in certain jurisdictions, the injuries must be substantial and long-lasting. The insurance industry group is trying to promote the narrative that the ads are causing the surge in claims, even though the opposite is true. There is no reason why the attorney cannot pay the costs of the lawsuit until the plaintiff is awarded a settlement. There is also nothing wrong with the lawyer offering to pay everything if the lawsuit is lost.

Lifestyle Fashion

psychic predictions for you

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psychic predictions

Gone are the days of boring phone psychic predictions. Technology being what it is today, we can now communicate face to face without anyone leaving their home or workplace.

Now that nearly every home has a computer with an Internet connection and webcams cost a dime a dozen, we can now take those face-to-face readings online.

Now you can see and talk to your psychic online to get a psychic prediction instead of hearing a voice on the phone with an unknown face. The psychic community has always been at the mercy of skeptics, but with these online psychic predictions, you can be guaranteed a genuine prediction.

The best readings are done live, where the psychic can get a sense of the individual and their aura. Many say they can feel the person’s energy over the phone and many don’t do actual face-to-face readings.

But now, with live webcam readouts, this is rapidly changing. Now you can have your favorite psychic prediction in your home and see how accurate your readings really are.

The advantages for the person receiving the reading are being able to actually see the person giving their reading. You can find out how psychics really work and better tune in with your reader.

There are reports of a higher level of reader feedback and you can get to know the psychic you are talking to better. People can even use this if they don’t have a webcam available. Psychics have their own webcam and microphone and will talk to you and give you your reading in the same way.

The great part is that almost all of them now offer a FREE first call so you can judge for yourself the quality of their psychic predictions for your future. Looking around, we have managed to find many FREE articles about your horoscope and your future, and all provided by gifted physicists, mediums and clairvoyants. There are plenty of people just like you looking to find out what the future holds, which is why there are so many sites to choose from. We have reviewed and picked only the best deals for you and most of them offer you a free trial to see if it suits your style or not. Get your psychic prediction today!

Pets

Bichon Frisé – Dental and eye care

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People and dogs have more in common than one might originally think. To keep their teeth and gums healthy and to prevent periodontal disease, the Bichon Frize requires routine dental care, just like you. Starting dental care when your Bichon Frize is young can help prevent gingivitis, a buildup of plaque and tartar on your dog’s teeth. If left untreated, gingivitis can lead to much more serious health problems. Checking your Bichon Frize for tartar at a young age can help prevent many more serious dental problems from occurring.

It is very easy to examine your Bichon for signs of tooth decay. Simply lift your lip and look inside your mouth, paying special attention to your teeth and gums. When the teeth have a reddish-brown discoloration near the gums, it is an indication of plaque. Over time, tartar begins to build up and your Bichon Frize’s gums begin to become red and swollen, instead of their normal, healthy pink color. Infection, bad breath, gingivitis, tooth loss, or damage to the jaw bone can result when dental care is not provided to your dog. As well as being uncomfortable and painful, it is highly unhealthy for your Bichon Frize to miss out on dental care.

The main method of preventing or delaying dental problems is to brush your Bichon’s teeth regularly. Starting this routine at a young age with your dog will increase the ease of the process when he gets older. To get your dog used to having his teeth brushed, start by gently rubbing your Bichon Frize’s gums and front teeth with your fingers, using a small amount of dog toothpaste. Pet companies have made getting your Bichon Frize to enjoy toothpaste an easy task: there are many flavors on the market, including chocolate, chicken, lamb, and others. A pleased dog is more likely to cooperate when having its teeth brushed. Once your dog gets used to your finger, switch to a small, rounded, soft toothbrush for children or dogs. Start with just the front teeth; As your pet becomes more comfortable, work backwards until all of his teeth are brushed. Just like humans, it’s important to brush your dog’s teeth in an up and down motion. The pet market has a wide variety of dental chews to help prevent calculus and plaque buildup on your Bichon Frize’s teeth.

Annual dental checkups are important for your Bichon. If you suspect a problem, you should see your vet right away. A cleanup may be in order for your dog. This is simply a painless procedure performed by the veterinarian while your pet is under general anesthesia or while sedated.

Eye care is just as important as dental care when it comes to your Bichon Frize. A common problem is tear staining. These reddish-brown spots appear around your pet’s eyes and can be very unattractive. If the staining is excessive, your veterinarian should be consulted. Although a small amount of staining is normal, excessive staining can indicate blocked tear ducts, allergies, or dental problems. Ruling out these potential problems or treating them is important for your Bichon’s health. Also, routinely cleaning your dog’s eyes with a warm damp cloth as part of the daily grooming routine will help reduce staining. Remove any debris from the corners of your dog’s eyes and keep trimmed fur away from his eyes. Keeping these irritants at bay can prevent more serious eye problems. The grooming section of your local pet store will likely carry several products to help you reduce or eliminate eye staining. Try using one of these products or mix some boric acid with warm water until you find a solution that works for you and your Bichon Frize.

Real Estate

Building an online business is easier with secure online hosting

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Do you plan to earn money online? Then you will need to have a website. It’s no secret that a lot of people have a good solid income from the internet; you too can be one of these money making entrepreneurs. Before creating a website online, you will also need to have a web hosting account and a domain name.

Wondering why you’ll need a domain name and web hosting like Secure Online Hosting? First of all, a domain name simply means the name of your online website. This name is what people will type into a search box or web browser when they want to visit your website. For example, if you want to visit Facebook, all you need to do is type “facebook.com” into your web browser and rap! Facebook appears immediately. Without having a domain name, it is not possible for anyone to visit your website.

Having web hosting like Secure Online Hosting is just what it is; a safe, fast and secure place to put your site online. If the domain name is your home, online hosting is simply the solid foundation on which your home rests. Everyone knows that for a house to stand, its foundation must be rock solid. The most beautiful house on the planet will be worth it if it stands on shaky ground. This principle also applies to your site. Having web hosting like Secure Online Hosting is the solid foundation on which your website should rest.

The fun part of starting your online business is choosing your company name. Now that you know the importance of having a domain name and a web hosting account, it shouldn’t be too difficult for you to get creative and have a lot of fun doing it. When choosing your domain name, experts recommend that you choose your name or anything that is related to your Internet income.

You can choose from a variety of possibilities, such as HomeBusiness4WorkingMoms.com, ImakeClothes2FitJustYou.com, TaxIncomeCalculatorsRus.com, etc. There are many possibilities when it comes to selecting a domain name that is both memorable and “you.”

Don’t be discouraged if you discover that someone else has already taken the domain name you have in mind. Just keep brainstorming and you will definitely find a name that fits your online business perfectly. Having a web host like Secure Online Hosting is indeed what you need if you want world-class customer services and competitive prices.