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5 Ways to Strengthen Your Business Credit

5 Ways to Strengthen Your Business Credit

Categories: Finance Online
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small business loan application with authorized stampAre you considering applying for a small business loan? Lenders are likely to check your credit history and a strong business credit score may increase your chances for approval.

To become more eligible for a small business loan in Ogden or any other place in Utah, you must build your credit in the following ways:

1. Boost Your Personal Credit Score

Your personal credit rating may influence your business credit rating. Pay your bills on time and maintain a low ratio of debt to credit on your credit lines and credit cards. The same goes for your business partner or major investor.

2. Operate Like a Business

Mixing your personal and business expenses won’t help your business profile and may hurt your personal credit. Consider incorporating the business as a limited liability company. Open business bank accounts and pay all business expenses with the company’s credit accounts.

3. Prove Your Company’s Credit Worthiness

Before they loan you a big amount of money, lenders may want to see your lending history. To build your profile, borrow small and pay on time. Work with suppliers and vendors on credit, use your business credit card, and apply for small bank loans. These lenders can serve as your credit references down the line.

4. Grow Your Credit and Use It

After establishing a payment history, increase your credit limit strategically. But remember to keep a favorable credit utilization ratio, preferably about 30 percent. Maxing out your credit cards shows that you’re unable to pay your bills.

5. Watch Your Credit Profile

Your business credit profile needs to be correct or else your building work will be in vain. Check the report for mistakes and raise any issue promptly. In addition, make sure the report is up to date.

Potential lenders may reject your business loan application if you don’t have a good business credit score. Luckily, there are ways to strengthen your business credit. Build your credit score and improve your odds of getting approved for an affordable small business loan.


Don’t Let These Small Yet Ruinous Oversights Crush a Perfect Marriage

Categories: Law and Finance
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Family with family law attorney

Family with family law attorneyCouples commit their heart and soul to their marriage. The idea of having their soul mate by their side for the rest of their life is immensely comforting after all. There are marriages, as explained by family law firms in Albuquerque, NM, that get off to a solid start. They withstand the usual turmoils and are even made stronger by them. However, even the strongest marriage is not immune to problems.

Working too hard

There’s no denying it that money is an important commodity. After all, it offers you a chance at a good life. In fact, money problems — work, in particular — are one of the leading causes of divorce among couples. You’ll start to feel neglected and underappreciated, and your partner will begin to resent that you’re barely there for the family. If this need for companionship is not met, it opens to possibilities that lead to ugly incidences such as extra-marital affairs.

Failing to keep up with the times

Change is a common occurrence in today’s world and with it, comes a host of challenges and opportunities. Failing to keep up can wreck many unions. For instance, a spouse might take free online resources and further their career or pursue a dream goal.

Undermining your spouse through such changes, however, can affect your relationship. Piling a heap of bitter criticism and taking every opportunity to demean their progress could add up to the problem. While disagreements are common, finding an amicable way to handle them can save the marriage.

It takes a considerable amount of effort to cultivate a good relationship and forge a marriage that stands the test of time. Unfortunately, it’s the small oversights that cause the bond to fail.


4 Towing Tips to Improve Your Experience on the Road

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Camper on the highwayIf you are into caravanning and camping, then it’s likely that you are always on the lookout for ways to make your experience more enjoyable. Towing a trailer offers you the opportunity to take along your accommodation. However, the car and trailer combination provides a unique challenge compared to simply using a car.

Here are ways you can enhance your relaxation while staying safe.

Install wireless lights

A wireless trailer lights kit can significantly improve your towing efficiency because you no longer need to connect wiring while on the road. For this reason, your trailer’s exposure to traffic dangers is reduced. And since wireless trailer lights are so easy to install, you save a significant amount of time.

Load the vehicle appropriately

How you load your vehicle determines the ease with which you can tow it. Putting too little cargo can result in sway, compromising safety and comfort. And while loading, make sure that the more massive load is placed towards the front of the trailer’s axle. Be sure to secure the cargo well too.

Make sure the tires are in good shape

The condition of your vehicle’s tires is essential in determining the vehicle’s safety, besides fuel efficiency and comfort. Make sure they are well inflated and have proper tread before hitting the road.

Drive carefully

With a trailer, the weight of your tow vehicle is significantly increased, and this poses new challenges to driving. The vehicle takes longer to accelerate and does not stop quite as quickly.  For that reason, it’s crucial that you take extra precaution while driving. It means allowing for more time when switching lanes, passing other vehicles and stopping your truck.

Having a great time on the road depends on several factors, among them how you tow your trailer. By making sure your trailer is in excellent condition and practicing safe driving, you can enhance your experience throughout your road tour.


Jobs You Can Get With Network+ N10-007 Certification

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Technician checking the serversPassing the Network+ N10-007 exam is the first step to a rewarding career. It is the latest release of the Network+ exam. Getting a Network+ certificate shows you can work with many types of networks. The certificate is not specific to just one kind of network. This is a good thing if you are just starting out in IT. CertBlaster notes that you can take on many types of jobs as a Network+ professional.

Network technician

The most obvious job for you as a Network+ certificate holder is that of a network technician. The work involves installing networks and fixing problems with them. It is an entry-level position, but it opens up many career opportunities. You can advance in different branches of IT. This will depend on what certifications you take after Network+.

IT security

IT security is a growing field. An entry-level job is a good place to start in it.  You can go far in IT security if you get your CompTIA Security+. However, to do that, you need some experience in networking. You also need to get your Network+ certificate before you can take advanced exams.

Network administrator

You can get a job as a network administrator for smaller companies. The work is not as complex and the load not as heavy. You will have to go deeper into a specific platform to do it right, but you can do that on the job. If you want to go even further, you can get an administrator certification such as MCSE or CCNA.

Trainer

If you would rather not do, you can teach. If you pass the exam, it shows you know all about networks. You can train people to work with networks. The certificate gives you credibility. It is quite rewarding to pass on your knowledge to others.

The Network+ N10-007 exam opens up many possibilities for people who pass. The Network+ certificate is the first step into a rewarding career in IT.


Ergonomic Anti-fatigue Mats for Comfortable Standing

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Hospital hallwayStanding for an extended time can cause discomfort and fatigue. The leg muscles work harder to sustain your body weight while in this upright position for long. It is the constriction of these muscles that inflicts pain in your legs, and your heart has to pump faster now for blood to reach these parts where there is minimal blood circulation.

That can cause adverse health problems, such as varicose veins and arthritis, but it only happens if you stand for an extended period on a hard surface such as a concrete floor. That makes ergonomic anti-fatigue floor mats a big-time health saver.

Why Ergonomic Mats?

As a health practitioner, if you will be standing a lot at your workplace, it is advisable you invest in ergonomic anti-fatigue mats. These mats can come in various materials, such as rubber, nitrile, and PVC. With these mats, your leg muscles will adapt to the mat’s flexibility.

Using ergonomic mats facilitate expansion and contraction of muscles, therefore increasing blood flow to your legs and back to the heart. As these mats allow for frequent body adjustments, they will encourage uniform distribution of weight and healthy blood supply. When your body is in a uniformly distributed weight position, you do not experience any strain in your leg muscles.

How Long Can Ergonomic Mats Serve You?

Typically, the service life of these mats depends on the traffic, exposure to chemicals, cleaning schedules, temperatures, and frequency of use. These mats do not need much maintenance and can serve you for a couple of years before needing a replacement. The material that makes the mat also determines its durability. For instance, PVC mats are more durable than rubber mats.

Ergonomic anti-fatigue floor mats are a worthy addition to a healthy workforce. With these, you will never again have to experience pain in your legs due to prolonged standing and neither do you have to skip your routine tasks. However, insist on high-quality ergonomics when planning to purchase one.


3 Easy Steps to Renovating Your Log Cabin

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Log cabin in a forestIf you no longer find your log cabin as comfortable, functional, and safe as it once was, then it may be time to give it a renovation. Like all other structures, cabins are subject to damage because of aging, the elements, and so on.

With some repairs and upgrades, however, you can make your cabin the enjoyable retreat it once was. Here’s how to go about it.

Find out what needs to be done

Conduct a thorough inspection of the cabin, taking note of what repairs and replacements you need to do. Start with the interior, and decide how much tongue and groove pine the space needs to look inviting once again.

Determine whether you’ll need other fixtures and appliances too, and write them in a list. Do the same with the foundation, external walls, and roof of the cabin.

Assemble the required material and equipment

If you are going to be doing the renovation yourself, then it’s important that you assemble everything you’ll need for the project before commencing. This saves you a lot of time during the project. As you shop for the materials and equipment, you may want to compare different vendors and go for the best deals.

Work systematically

Now that you have all you need for the project, it’s time to delve into the task. Start by fixing any structural issues. Pay particular attention to the foundation, corners, joints, and roof. You may need to repair or replace the windows and doors too. Install the siding and any other fixtures you bought.

Then thoroughly clean the cabin and apply a stain and sealant to insulate and beautify it.

Restoring your old cabin does not have to be an impossible task. With proper insight on what needs to be done, adequate material and tools for the job, and the appropriate technical skills, you can get it done in a few days.


Most Common Problems with Compressed Air Systems

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Residential air system

Residential air systemMany industries use compressed air in some way. Some processes will even stop if something goes wrong with the compressed air system. However, they use a lot of energy. They use as much as 10% of the industrial electricity cost in Australia.

Investing in an energy efficient system makes good business sense. It makes even more sense to make sure it works well all the time. If your high-pressure pipe fittings and other components are faulty, you can expect a significant increase in your operating costs. Here are some common mistakes made with compressed air systems that you should avoid.

Leaks

Compressed air means high pressure. You can easily develop air leaks, and you’ll not even know it. A single tiny hole in the system costs as much as $600 a year if you use the system for 2,500 hours. Multiply that by 10, and you can see how bad that can get. The best way to avoid leaks is to check all the pipes and pipe fittings regularly. Make sure you use pipes and fittings rated for the specific pressure you use.

Pressure Drops

You want to keep your system at a steady pressure to save on electricity. If the pressure drops, you have to increase power to bring it up to the right level. If you notice that this often happens, you probably have a problem with the flow of the air. Find out what is causing the pressure drops as soon as possible. It could be an inefficient ring system, or you could have too many dead ends or turns that are too tight. Your pipes might also be too small for your needs.

Dirty Pipes

It’s very important that you use pipes and pipe fittings of the right size and material to avoid circulating contaminants in the system. These contaminants can make your system less efficient, and may even damage it. Pipes that are too small or rusted make the air go faster, pulling dirt, liquids and rust along with it. Replace rusted and too small pipes as soon as possible. Stainless steel, copper and polymer are good options because they don’t rust.

High-pressure pipe fittings and pipes are important for the efficient operation of compressed air systems. Keep this in mind when purchasing parts for your system.


It’s Time to Update Your Hotel Marketing Strategies

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Receptionist at hotel front deskCalifornia is home to dreamers who turn their unique ideas to the latest craze. You’ll see them on Instagram with thousands of followers, and they are literally the talk of the town. Even established hotels have to think outside the box if they don’t want to lose their edge.

It’s time to rethink your marketing ideas if you haven’t read the news lately. Do you think you need an update? These ideas will help kick things into gear.

Offer Royal Treatment

With the upcoming highly-anticipated wedding of Meghan Markle to Prince Harry, hotels are jumping on the opportunity to offer wedding packages that treat their guests like royalty.

Brides-to-be get the special treatment they will never forget, but for you to afford the facilities to match their requirements, you’ll need some renovations.

Fortunately, hotel business loans from institutions such as ARF Financial can help with the expenses you need to grow and prosper.

Give Gift Baskets

It’s not enough to leave basic toiletries for each room. You’re in the business of accommodating customers and giving them a night (or several) of comfort that they will associate with your hotel. To give a lasting impression, leave gift baskets in their room to welcome them, complete with a sincere note from management.

Add a personal touch by handwriting the note yourself. It only takes a couple of minutes, but it will be rewarding to see the smiles on their faces.

Have a Cafe

It’s one way to boost sales, and it’s also a way to make your hotel more competitive. Guests want a place that can offer them everything they want, and if you have a cafe to host their informal meetings or to help them unwind in the afternoon, you’re ticking more boxes on their checklist.

You don’t even have to do a complete renovation. You can convert an open space in the reception area with the addition of tables and chairs, and that’s it.

Running a successful business means adapting to change. For your business, that means going with timely marketing strategies when they matter.


What Goes into the Design of Commercial Spaces

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Employees having a meeting Commercial spaces should draw crowds. Whether it’s for public consumption or a business, a space’s design should incorporate comfort and aesthetics. But of course, you can’t just ignore functionality.

You want a mix of the three when designing things, so pay attention to these decisions:

What Kind of Flooring to Install

Intercraft Flooring Group notes that commercial flooring options in Sydney range from vinyl to hardwood, and the styles showcased give plenty to think about. The most important thing to consider, however, is the kind of activity that the floor will have to withstand.

For instance, if you expect to transport a lot of liquids around the space, you will want flooring that can withstand wetness and rot. Choose the wrong flooring, and you will be wasting money on something that needs replacement so soon.

What Window Treatment to Get

This depends on where your windows are facing and where everyone is positioned in the room. For an office space, you do not want bare windows to make employees prone to skin cancer.

It will also be uncomfortable for them to work in a warm environment, and there is also the matter of energy efficiency to think about. Options range from thick curtains to blinds and awnings, and if you talk to a provider, they might recommend a specific kind that fits your needs.

What Colours to Go with It

The colours define the mood of a room. Choose intense red in the pantry, and it might be hard for employees to relax during lunch. Blues and greens are calming, while the right shade of yellow will cheer everyone. Certain industries also use colours to perceive their authenticity.

A creative agency will use bold, bright colours to assert their creativity, whilst a banking company will go with neutrals. Whatever palette you choose to go with, make it more interesting by using complementary colours.

Elements of design are at play when designing a commercial space. For best results, don’t rush into it and give your ideas some time to sort themselves out.


I Got a Ticket at the Car Accident Scene; Am I At Fault?

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Officer writing a traffic ticketIf you have been given a ticket for a traffic violation following an auto accident, there’s a huge chance that you’ll be considered at fault for the accident. However, this doesn’t necessarily have to be an inevitable conclusion. Fortunately, you could either contest your ticket, and there’s also the possibility that you’re not solely at fault for the auto accident.

Am I Automatically at Fault Because I Got Ticketed?

Unfortunately, the answer is yes in most cases. This means that when you get a ticket at the car accident scene due to a traffic violation, and you attempt to file a claim against the other driver or the other driver’s insurance company, chances are that you’ll lose your case, unless the other driver also got a ticket, explains Feldman & Lee PS, a prominent car crash attorney in Marysville.

Additionally, if you’re the only one who got cited and the other driver decides to file a case against you, your insurance provider would have no choice but to settle because the other driver would most likely win the case.  But if you really believe that you were not the only driver at fault, particularly if you’ve sustained severe injuries, you could also contest your ticket and get it dismissed. If you get your ticket dismissed, you increase your chances of recovering damages from the other driver.

What If I Wasn’t The Only One Who Got a Ticket?

If you and the other driver were cited at the accident scene, both of you would be considered at fault for the accident. In this case, you and the other driver’s insurance company would fight tooth and nail to prove who’s more at fault for the accident to reduce the settlement award. With this in mind, consult an experienced lawyer to help you evaluate your case and to determine if it has merit, and find out how to best go about your claim.