Business

3 Keys to Equipment Lease Approvals

admin

There are three key components to getting your funding request approved; cash, credit and collateral. This is true whether you’re taking out an equipment loan or lease, leasing a car, or financing a new home. All three components play an important role and understanding them will help clarify the financial process.

Cash Flow – The first key to receiving a lease or financing approval is to be cash flow positive. An underwriter will add net income to a portion of depreciation (and any other non-cash expenses), and the resulting free cash flow must exceed the amount of annual lease payments. For example, if the business has net income of $75,000 with depreciation of $50,000, an insurer may consider that there is at least $100,000 available to pay for a new lease. If the lease requires annual payments of $50,000, it will likely be approved and if it requires $120,000, the application will be put on hold because the cash flow is too low based on history. Typically, the documents needed to verify cash flow are tax returns, financial statements, and bank statements.

Credit: Dunn & Bradstreet primarily records business credit scores for businesses. For small businesses, the financial transaction is sometimes guaranteed by all owners with more than 10% equity participation in the business. Consequently, personal credit (FICO score) plays an important role in lease approvals. 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 and offer more options. Understanding how this works is important in determining the effect of partnerships on a business. The “weak link” will drag the group down to your credit level, so choose your partners wisely.

Guarantee: Not everyone has a credit score over 650 or owns a business that reports a large net income. Certain lenders provide leases to applicants that offer collateral in addition to the equipment being purchased. Good collateral is usually heavy machinery, construction equipment, stock certificates, certificates of deposit, or business and personal real estate. Even a retirement account can be used as collateral. Small items less than $10,000 in value and electronic equipment are not currently considered acceptable collateral. Currently, the strongest warranty is commercial ownership and often a requirement for any solar or LED upgrade.

The most desirable financial approvals are based on a minimum level in each of these key areas. If a company lacks one or more of these criteria, it may still be approved if it has superior strength in just one key component. Lack in all three areas means trouble getting approved and the best business strategy would be to increase sales and further grow the business before considering adding additional debt.

Home Kitchen

Benefits of a ceramic spoon rest

admin

For some, cooking is a burden, while for others it is a pleasurable pastime. But whether you enjoy it or not, cooking can be really messy and sticky most of the time. This is especially true when you don’t know where to put your spoon while cooking. Cleaning up spills on your countertops makes the task a bit more of a hassle. No one wants the added chores of cleaning sauce off a white countertop while preparing a great meal. Not to mention trying to remove red sauces that will cause staining. Also, placing the spoon in different places makes it more likely to come into contact with contaminants like germs from raw meat. That will completely ruin your tasty food and possibly make you sick.

An easy way to reduce spills and cleanup after cooking is to have a spoon rest ready on the counter. This utensil is a functional cookware but at the same time it can be a decorative accent in the kitchen. After stirring a thick sauce from your specialty dish, it’s best to catch the spoon residue on a spoon rest. For example, if your kitchen is red, you will have no problem finding a red break. This is one of the most practical essentials in your kitchen.

Spoon rests come in a variety of materials and you can choose from many colors and themes. Many kitchen experts and housewives prefer a ceramic spoon rest because ceramic is considered the most fashionable kitchen utensil. If your kitchen has a country theme, or you want to add a bit of country flair in your kitchen, then ceramic spoon rests are the ones to get. People who like vintage cookware also prefer ceramic. If you want your spoon rest to have a rustic appeal, you can choose from standard ceramic.

There has been an increase in demand for this item in recent years and with the increasing demand, more and more designs are available in the market. Spoon rests made from ceramic can also come in different sizes. There is the classic style but there are also the big ones, which can handle both spoons and ladles. This utensil definitely looks good and never goes out of style. If taken care of well, it can be a piece of vintage kitchenware that you are sure to be proud to pass down to your children. No one will disagree that pottery looks good whether it’s big or small. However, you know for a fact that ceramics are brittle. So you need to be careful and make sure that the spoon rest is firmly planted on the countertop.

Auto

Tips to spend less money on gasoline

admin

The average American family spends more than $2,500 a year on gasoline. In times of depression, many people look for ways to cut costs. Furthermore, there is strong evidence that the world is running out of cheap oil, so we may be left with ever-increasing gas prices for the foreseeable future. Like most Americans, I drive a lot. Taking your car out for work or just for fun can result in a hefty gas bill at the end of the year. And since I don’t have a lot of money to spend on a fancy hybrid or all-electric car, I’ve tried a bunch of different techniques to save money on gas with the car I already own. My family and I live in a mixed urban/suburban environment with many city roads and highways, so the following techniques that worked for me may also work for you.

#1 Drive slower on highways

A “regular” highway driving speed of 65 to 70 mph uses a lot of gas for most cars. After some optimum speed, as the cars accelerate further, they start burning crazy amounts of fuel for marginal increases in speed. For a small to medium sized vehicle like my Toyota Corolla, the optimum speed seems to be around 55 mph. Traveling at this speed along highways allowed me to get a consistent 10-15% increase in fuel efficiency over a normal highway speed of 65 mph.

#2 Avoid hitting the brakes

Every time you use the car’s brakes, precious fuel is essentially wasted as the heat byproduct of friction. To avoid wasting fuel (and your money), try to time your drive to avoid hitting red lights. This could mean planning a route to work that has fewer traffic lights and/or stop signs. Another way would be to start slowing down when you see a traffic light turn yellow, so that you slide to a smooth stop without having to brake too hard. This technique can significantly improve fuel efficiency when driving on city streets with many traffic lights.

#3 Keep your tires fully pressurized

This little trick has saved me at least a couple of hundred dollars in the past year. When a car’s tires are filled to their maximum safe pressure, they will spin more efficiently and therefore burn less fuel for every mile traveled. I usually pump my tires once a month to maintain good tire pressure, this gives my car about a 5% increase in fuel efficiency. Tire inflation can be done at most gas stations, and the cost usually ranges from free to 25 cents.

#4 Upgrade to low rolling resistance tires

Every two years, your tires will need to be changed. That would be a good time to upgrade to low rolling resistance tires. While these tires are a bit more expensive than normal tires, they are well worth it. With 4 of these bad boys mounted on your vehicle, an immediate 5% fuel efficiency increase can usually be achieved.

#5 Use Fix-A-Flat instead of carrying a spare tire

The spare tire on most cars is basically a gigantic dead weight being carried around. In the event of a puncture, an alternative product such as a 1lb Fix-A-Flat Tire Inflator can be used instead. This trick worked great for me on normal roads, but if your vehicle has to go over rough gravel terrain, a spare tire may still be necessary.

These techniques have saved me over a thousand dollars on gas over the last year. There are many other methods of squeezing every last mile out of a gallon of gas. You can find them on sites like Hyper-Milling/Eco-Modification Forums.

Digital Marketing

What is the difference between marketing and sales?

admin

There seems to be an endless argument between marketing and
sales professionals about what really is the difference between
marketing and sales functions. Most of the time, both
Business terms are used to describe any business.
activity that is involved in increasing income. for little ones
business, with limited resources, is often not practical
difference in marketing and sales functions, all income
The generating activities are typically implemented by the same
staff.

As a company grows in revenue and number of personnel,
typically follows a logical progression from the business function of
“specialization”, a process where the lines between more
generic and departmental descriptions and functions became much more
more definitive and associated functional responsibilities
become much more focused. The marketing and sales functions are not
exception.

The marketing and sales functions are diverse but very
interdependent. Generally, “sales” cannot exceed revenue
goals without effective marketing planning and support,
and “marketing” directives ultimately become useless without
sales to implement the plan.

Like many complex business problems, it is sometimes easier
define something by what it is NOT like it is define it by what
it is. Let’s take a closer look at marketing to better define
what is not sale.

Simply defining “marketing” as the “Four P’s”, product, price,
place and promotion, based on your Marketing 101 class in
college is not practical in today’s global markets. in a
In a general sense, marketing is more theoretical than sales, focused
in causality of purchase and has a more prescriptive purpose than
descriptive. Marketing involves micro and macro market analysis.
focused on strategic intentions where sales are driven more by
tactical challenges and customer relations. let’s get closer
take a look at how marketing is actually different from sales:

Marketing responsibilities are distinct from sales in that
marketing:

* Establishes and justifies the best competitive strategy of the company.
position within a market

* Initially creates, helps sustain and rigorously interprets
customer relations

* Locate and profile potential markets and key players
within

* Generate quality leads

* Develop effective sales tools.

* Formally analyze and track competitor business strategies
and tactics

* Define, prioritize and justify new product or service
improvements and developments

* Promotes an explicit image of a company’s product or service

* Facilitates the transfer of customer information to the rest of
the company

* Simplifies the acquisition of the customer’s product or service
process

A full-time marketing manager would be responsible for the
following tasks:

New product launches:

Development of strategies, program incentives, times and means
coverage

Agency rating:

Selection and evaluation of external marketing contractors

Customer database management:

Selection of software, training, maintenance of contact with the client.
Information

Market research:

Market definition, prioritization, project management, data
meeting

Price analysis:

Pricing as a Marketing Tool…Initiating and Analyzing Competitors
pricing practices

Product audits:

Establishment of a formal means to assess competitiveness
Offerings

Public relations:

Establishment, direction and coordination of all areas of the
Relations

Fairs:

Definition, participation, prioritization and audit of
effectiveness of all fairs

Product promotions:

Formulation of strategies, composition of programs, definition of premiums,
all media coverage

Marketing Communications:

All printed/electronic communication: brochures, catalogues,
price lists, case histories

Media selection:

Assist in the selection and prioritization of all media options:
print, broadcast, multimedia

Internal communications:

Establish and maintain all corporate communication between companies.
medium

International market:

Establish the presence of the company in the target international markets,
efficiency audit

Strategic planning:

Offer strategic information and alternative perspectives to
corporate management strategies

Participation in the board meeting:

Communicate and reinforce the company’s marketing priorities,
strategies and tactics

Corporate Vision Statement:

Proliferate and reinforce the corporate vision throughout the
organization

Identity and Corporate Image:

Create, maintain, improve and “manage” all corporate images and
symbols

For a “pure” marketer, the marketing function in a company is not
not just a business function, but a business philosophy. Year
The effective salesperson truly believes that he “masters” his target.
the market “owns” its market. The more a seller can do to
maintain market leadership the more effective they are
perceived within the organization and within the industry.

As customer retention has become a business priority in
our increasingly competitive markets, the marketing function
has gone from influencing potential customers to engaging
They plan and advance the company’s business. Effective
Marketing has also blurred the distinction between product and
service and continues to exert more influence in the company
sales representation priorities.

In conclusion, the marketing and sales functions are deeply embedded
on each other’s purpose and revenue growth intentions. There
There are few functional areas in business that are more interrelated.
other. So the next time you hear someone say the word “sales,”
when the appropriate description would have been “marketing”,
or vice versa, think about this article and choose between any of
these documented business functions to make your point of
distinction!

Relationship

Do you have a sagging problem area that needs to be reduced?

admin

As a fitness teacher, many people come to me after class, grabbing a buttock/belly/inner thigh (usually very normal and nice), with a look of desperation and requesting a proper exercise to banish bothersome flab. Unfortunately, it’s not that simple, and if it were, I’d have the flattest, smallest belly in the world; Which unfortunately I don’t. I don’t want you to stop exercising, but it’s not possible to lose weight in a specific area just by exercising it.

Your body shape and where you store fat are partly genetically predetermined and also change with age. Wherever the fat is, if you lose it, it will shed evenly over the body in its natural form. However, the biggest determining factor in body weight is how much you eat, versus how much you exercise. If you want to lose body fat, you need to attack the problem sensibly and plan your strategy for lasting results;

o Gently reduce your calorie intake; if you’re putting on fat, you’re taking in more calories than you’re using for the day. You can accomplish this by controlling portion sizes, eating plenty of fresh vegetables, whole grains, and small amounts of natural fats in meat, nuts, and olive oil. Avoid alcohol, sweet or fatty snacks, and processed foods, and eat small meals regularly; skipping meals won’t help you in the long run. You may find that a food diary will give you insight into how much you actually eat; most people underestimate how much they eat and overestimate how active they are.

o Increase your activity levels; one class a week is a good start, but to promote weight loss, you should get at least an hour of exercise a day (could be 2-3 smaller sessions). Light walks and swimming are great to start with, but if you’re healthy and injury-free, you need to be hot, sweaty, and out of breath to get the best benefits from your exercise. Changing your everyday clothes will also help burn calories, so get rid of the car, buy a bike, walk the kids to school, walk faster than normal, get an allowance; what you need to do to be more active every day. The more active you are, the more you can control your body weight.

o increase your muscle mass; the muscle is hungry; you will burn calories, increase your metabolic rate and keep your weight down. Women often worry that they’ll end up muscular and doomed to spend their lives posing in skimpy leopard-print bikinis covered in baby oil. In reality, it is extremely difficult for women to build large amounts of muscle, and female bodybuilders follow strenuous daily routines and strict diets. If you lift weights at the gym, or take bodyweight exercises or body conditioning classes, you can increase muscle mass without compromising your femininity. Working body parts like arms or legs, with weights or bodyweight exercises will contribute to better shape, but vigorous activity is needed to reduce overall body fat so you can see the underlying muscle.

o Take your time; the best results are achieved through slow sustained effort and sensible lifestyle change. Stay away from the popular and celebrity diet section of the bookstore; yes, you’ll lose weight fast if you only drink wheatgrass juice for a week, and yes, you’ll gain it all back (and more) if you even glance at a normal meal afterwards. Give yourself a reasonable time scale for the change. Start now to get in shape for the summer; don’t quit until a week before your vacation and then go crazy on a cabbage soup diet and a ten-mile run every day; you will end up injured and with a bad case of wind.

o Be fair to yourself. Just look around; it is enough to walk into Asda (a UK supermarket) to realize that the world is not populated by people who look like Naomi Campbell and Daniel Craig (James Bond). Most women won’t look like Victoria Beckham the day (month or year) after giving birth, and most men won’t be wanted to appear on the cover of Men’s Fitness Magazine. It’s unlikely we’ll cross our forties and beyond without wrinkles and size 0 waists, as so many celebrities appear. We are constantly presented with unrealistic and unattainable images of physical perfection. You may never look like an underwear model, but you’ll gain tremendous satisfaction and confidence when you achieve your first full iron or go down a dress size; keep your goals reasonable, give yourself a chance and praise yourself when you achieve it.

I know that you are perfectly capable of eating a little healthier and exercising more, and that will make you feel happy with your healthier and more toned body. At some point we have to step back and accept that all bodies are different, most of what we see in the media and the fashion industry is meticulously constructed, controlled and retouched. Men and women age and their bodies change. Most ‘beautiful’ people have a full-time job and a big budget to stay that way. If your man boobs or bingo wings make you unhappy, then don’t despair; think a little today about what you can do to feel more comfortable in your body. There’s no magic bullet, but I know you can do it, and I hope that healthier living leaves you with a sense of mental and physical well-being (as well as a firmer butt).
Until next time,
Move!
Vikki
If you would like to receive Vikki’s free weekly newsletter, please visit http://www.getfitter.net

Health Fitness

Benefits of using therapeutic pillows today

admin

Therapeutic pillows are pillows designed to provide some kind of therapeutic benefit, often in the form of support. They come in various sizes, styles, and shapes, with designs to suit everyone. Most medical providers carry these types of pillows, but they can also be obtained from health professionals such as massage therapists, orthopedic doctors, and chiropractors.

The design of therapeutic pillows is usually intended to support a part of the body. There are some instances where you can prevent injury by promoting correct posture and reducing stress. There are also cases where it may be meant to support an injured body part so it can heal faster. Most are firm and made of foam so that the shape does not deform. Soft pillows are not used for therapeutic purposes as they do not provide support. In fact, they can even cause a relapse into poor posture.

Environments where therapeutic pillows are suitable

bedroom – People make use of therapeutic pillows to maintain good sleeping positions. They are often used to support the head and neck to prevent sleep apnea. Some use it to support a pregnant belly to keep the woman’s back from straining. Wedge pillows can be used to elevate or support limbs in bed.

around the house – People use it to provide support if sitting on couches or to create a headrest to prevent neck strain. Some use it to relieve back and pelvic pain by relieving pressure and encouraging people to sit comfortably. Be aware that some therapeutic pillows can be cooled or heated and placed around the neck or back area to relieve pain.

office and car – Use it to promote good posture and improve safety, comfort and productivity.

Outdoor – Some people use it at places like beaches, theaters, and restaurants, where seating is often less than optimal for those suffering from musculoskeletal issues and chronic pain.

They’re for you?

These types of pillows are very specific in their design. In fact, they have separate back and side sleeping areas. And this is actually a very important factor when it comes to maintaining a posture that will help relax your neck muscles in any position. If you’re lying on your side, you’ll need an extra inch or two of height compared to your back to compensate for your shoulder.

Therefore, these pillows maintain a great advantage in providing the benefits for both sleeping position and correct alignment. In fact, this will help relieve stress on joints, nerves, and muscles, which can be sensitive for those suffering from high levels of physical discomfort.

With the therapeutic neck pillow, you can move consciously if you want to change positions. Increased comfort and proper alignment can also speed recovery from injury and help deal with various postural issues for long-term use.

Lifestyle Fashion

Exaggerated use of highlights and facial contours. Do you really need it?

admin

Highlighting and contouring originated from male to female drag queens to use makeup artistry as a way to soften jaw lines and hide facial hair and the arch of the eyebrows. This style of makeup was known to be heavy on highlighting and contouring and very expressive. However, for non-professionals, the art of contouring and highlighting can seem like a daunting task, as there can be confusion about the correct way to apply it.

Highlighting and contouring is a corrective technique used to create the ideal face shape, which means that it is not the same for all people. For women, when highlighting and contouring, there’s a fine line between bringing out your best features and painting a whole new face. Women already have soft, feminine features. When applying makeup, overusing products can completely exaggerate and create unflattering features.

Here’s the thing, the makeup industry has done away with the “beaten face” trend and has made overuse of highlighting and contouring the new norm. The goal now is to give you features you don’t actually have: brighter, bigger eyes. A narrower and more delicate nose. Using 20 products to achieve a “natural” look or more. The tips, tricks, and techniques come from beauty gurus and YouTubers, not professional makeup artists.

This is not the case if you know how to apply makeup correctly. You’ll find that by following techniques other than those of a professional, you may end up incorporating unnecessary steps just to look “natural.”

While professional makeup artists take similar steps using flawless highlighting and contouring to enhance, not hide their beautiful features, they understand that successful highlighting and contouring is all about using as little product as possible so that the end result is believably natural, to mix it well and to add more color gradually.

Good makeup is makeup that looks good in person and in photos, and that accentuates features instead of hiding everything. There is an art to this. A strong foundation, then intense concealer, followed by a deep cream highlight/contour can look great at night, on stage or on camera, but in person it’s pretty extreme. Instead, heavy makeup only draws attention to enlarged pores, blackheads, and other facial flaws.

A light natural highlight and contour for the average woman on a daily basis is a great thing to learn and practice. Some important tips to know before incorporating highlights and contours into your makeup application are as follows:

• Less is more

• Contouring is subtly defining one’s features and for it to look flawless, it needs to be barely noticeable.

• Mixing concealer with foundation can create a more even and natural reflection

• Practice makes perfect facial flaws.

Pets

Alaskan Malamute Training – Chewing Problems

admin

Alaskan malamutes can be a lot of fun indoors, but not when they start chewing on furniture. Read on and learn how to fix this problem as part of Alaskan Malamute training.

Dogs chew and bite on many things for a variety of reasons. Puppies and new dogs may do this because they are teething. They are exploring the new environment in which they live. Alternatively, your dog must be very bored and just looking to pass the time.

Monitor your dog closely and catch him red-handed. Be firm and let him know that what he did was wrong. Dogs learn “in the moment,” so this method works best. Teach him acceptable behavior, such as chewing on a toy.

If you’re not around all the time, it’s best to put your dog in a pen or outside the house. Don’t leave it unattended for long periods of time, especially around high-value furniture.

Give your dog something to chew on or, better yet, something else to do. Twigs and small tree branches provide great distractions. Dogs love to chew on wood. A large beef marrow should be enough to keep you busy.

You can also purchase chew toys of different designs at your local pet store. Some even have the benefit of cleaning your dog’s teeth. Exercising a lot should wear it out.

Chewing is a minor problem, but one that can end up costing you a lot in repairs. Address this problem before it gets out of hand.

Real Estate

5 advantages of online rent collection

admin

Owners and property managers certainly want to improve cash flow at their rental properties, and to do so they have to maximize operational efficiency. Some of them continue to manually cash checks and money and then enter all transactions into a blue ledger, which is out of date. This article will talk about 5 advantages of online rent payment for landlords, some of which can also benefit tenants.

Save time

Property owners and their managers make the most of their time to get more work done. Instead of spending time manually collecting rent, they can use it to maintain their property and look for more investment opportunities.

Online rent collection will save you the cost of paying an additional check clearing fee. In case the check bounces, they have to retrieve it, tell their tenant to replace it, and then go through the whole process again.

They can avoid all the hassle by choosing rent collection online. This fast and efficient system allows them to obtain a digital receipt for all transactions and store them for a digital record of rent collection. With online rent collection, you can forget about paperwork and long bank queues.

Save money

People can find bookkeeping tedious, especially when this is not their line of work. Even the smallest errors in figures can be costly and time-consuming to adjust without a physical receipt. Since online rent collection digitizes the process, they only need to copy and paste the figures into an Excel sheet. This minimizes the chance of making a mistake and also saves money.

Enables informed decision making

Multiple analytical tools are available online, which you can access to get an accurate picture of the efficiency of the management system. When they use property management software, they can use these analytical tools so they can verify if it is functional as it claims. It helps them make informed business decisions by allowing them to track late payments, retention requirements, and preferences.

Provides flexibility

With online rent payment, tenants will be able to transfer their rent to their landlord anytime, anywhere. Even if they’re on vacation at the beginning of the month, they don’t have to worry about a late payment.

On the other hand, if the property owners/managers are away on a business trip or are busy collecting rent in person, they can always get it via online transfer.

Improves the relationship between tenants and owners

Since online rent collection provides more flexibility, this eventually increases tenant satisfaction. What used to be a stressful process will become simple, fast and efficient. By doing so, tension between landlords and tenants is minimized and this allows for a healthy relationship between the two parties.

There are still countless other benefits that online rent payment offers for both landlords and renters. Now is the time to take advantage of it to maximize operational efficiency and give yourself peace of mind.

Shopping Product Reviews

Airbrushed shirts for today

admin

Gone are the days when boys wore simple shirts and pants to parties and gatherings. Now is the era of hip hop and rap, WWE and WWF and much more. Boys and men are crazy about the characters or the artists involved in these music and sports artists.

Airbrushed t-shirts are here to stay and cater to the modern world of youth who are always looking for something special to wear to a special party. The airbrush printed t-shirts have portraits of famous hip hop artists, rap artists, historical features and many more to satisfy the craze of reggae and country lovers as well.

The most famous and fast moving airbrushed t-shirts have interesting artists like Big Pun, 2pac, Notorious BIG and Scarface, not forgetting that the famous Michael Jackson and Eminem have found their place on the back or chest of many music lovers. and hip hop dancers.

Kids who love cartoon channels would definitely love to have airbrushed t-shirts with their favorite cartoon character printed on them. Of course, they are great impersonators and would be extremely excited about these characters like Scoo-b-doo, Tom and Jerry, Pink Panther, Elmo, Sponge bob Square pants and many more.

Airbrushed t-shirts feature beautiful screen-printed designs that have created a lot of demand for the product in the youth and children’s world lately. Graffiti styles can be designed according to your choice.

With the Graffiti styles, people can choose words that can represent their country, their tastes, their expressions and many more options.

Airbrushed t-shirts are moving fast in today’s markets competing with would-be manufacturers and wholesale and retail outlets to trade them for high profits and best customer satisfaction. This is definitely the current trend with a lot of Air brush shirt seekers all over the world.