Please Your Customers and Keep Them Coming Back

Customers always look for a reason to come back to a certain establishment. Whatever type of business you have, your survival would simply boil down to pleasing the customers and creating a good More »

4 Health Lessons from Asian Diets

South Korean women are going to outlive everyone. This is based on a recent study, which predicted that women from South Korea will have a life expectancy of 90.8 years old by More »

What You Need to Know About Successful Burger Franchising

There are key elements that facilitate the success of every franchise unit: sharing of obligations, the perception of minding your own business, and operating the business in different legal entities. Against these elements, franchising More »

5 Common Food Safety Myths Exposed

Proper and safe food preparation, handling and cooking start with the right information. This is important, as you increase your chances of contracting foodborne illnesses. Here are the five of the most common More »

Beef Soup Base Recipes You Need to Try

Beef soup recipes are just so good to have in your back pocket. This is especially true for the colder months when you just want to stay at home and eat comfort More »

 
an fha loan form

Interested In An FHA Loan? Here’s All You Need To Know

an fha loan formFHA loans are one of the most popular loan products today. They are very attractive to home loan borrowers, especially those who will be buying a house for the first time because the requirements are much lower compared to private lenders.

In case the borrower defaults, the FHA loan lender like Primary Residential Mortgage, Inc. can get back the money from the Federal Housing Administration. Before rushing to get an FHA loan, keep these facts in mind when applying for one.

Low Credit Score and Down Payment Requirement

A typical private lender will first check your credit rating. It’s also the same with FHA loans, but you only need a minimum credit score of 580 to qualify. Also, you need to make 3.5 percent down payment. Those with credit scores below 580 but not lower than 500 can still be eligible, but this time, the down payment requirement is 10 percent. There are cases, however, where an applicant with a credit score of below 500 can get an FHA loan.

FHA is the Insurer, Not the Lender

Some people have the misconception that the FHA itself is the lender. The government agency only guarantees that it will pay the loan in case of default. This is why you need to make sure that the lender you are dealing with is FHA approved. The rates offered by these FHA-approved lenders are also not the same.

Pay Two Mortgage Insurance

On all FHA loans you pay, not one, but two mortgage insurance premiums. The first premium is equivalent to 1.75 percent of the loan. Pay this premium once you get the loan. If it’s possible, you can include this premium to the FHA loan.

The other one is the annual premium, but you pay for it monthly. The rate will depend on the size of the loan, the length of the loan, and the initial loan-to-value ratio.

FHA Loan For Home Repairs

Homeowners in need of cash for repairs can apply for a special loan known as 203(k). The loan amount you can get is not based on your home’s current appraised value. Instead, it’s based on the expected value after you have made the repairs.

Financial Relief Option

FHA loan borrowers who are undergoing financial hardships can apply for relief. If approved, lenders then can offer to lower the interest rate or extending the payback period. They may even allow deferring part of the loan without interest.

Possible Coverage of Closing Costs

Borrowers can include the closing costs in their loan application. The lender charges typically a higher interest rate if you choose this option. There are instances though that a home seller or builder will shoulder the closing costs to finalize the deal.

Small Businesses in Florida Rank Among the Most Polite in the US

Restaurant business ownerFlorida ranked among the top 25 most polite states in the U.S. based on invoices of small businesses in the Sunshine State, according to FreshBooks.

The list analyzed the politeness of small business owners through the use of “please” and “thank you” on their invoices. It considered almost half of small-sized enterprises in Oklahoma to be polite, while those in Florida achieved a 12% politeness percentage.

Starting a Business

While courteousness plays an important role in a business, existing and prospective business owners need to acknowledge other key factors for the success of a company. Marketing campaigns, for instance, should be a focus of any business especially start-up firms.

These campaigns should include online strategies such as digital advertising or website design in places like Naples, a service offered by firms such as Customer Finder Marketing.

Those who plan to set up a new company will also need to think about the type of legal structure such as a sole proprietorship or limited liability. If you are considering a franchised business, a proposal in the state’s legislature will make it easier for you.

Franchise Owners’ Rights

The Small Business Parity Act aims to broaden the protection of owners of franchised enterprises in Florida, by leveling the playing field between corporate franchisors and their franchisees. More than 40,000 businesses in the state will benefit from the proposal.

A certain benefit of the bill would protect franchise owners in the state from unfair termination of their contract with the national franchisor. This will also allow franchised business owners to transfer or sell ownership. In case of legal disputes, the legislation would require the conflict to be resolved in a court in Florida.

Conclusion

This year marks another opportunity to set up a new business in Florida. Marketing and good customer relations will be important, while those who seek a franchised business are expected to have better protection.

Ways to go with braces in Watford

woman wearing bracesIt is not unusual to have a tooth or two slightly out of place. Perhaps they stick out, or stick in. They may be slightly twisted, or have not quite descended. Wonky teeth may be no big deal to the onlooker, but their owners can often find them pretty embarrassing, even depressing, especially these days when it seems everyone on TV has perfect teeth. It’s hard not to translate that into one’s own life, which, when people work in public-facing jobs, can become a point of self-consciousness. Fortunately, there are many systems of braces in Watford that offer great benefits for straightening teeth.

These days, most dentists offer one or two ways to straighten teeth. But with so many different systems of braces in Watford, it’s important to find a reputable dentist, such as Cassiobury Dental.

Each braces system offers something different. Let’s take a look at a few:

Fixed braces

So called because the brackets and wires are fixed onto the fronts of the teeth. The brackets are fixed at carefully calculated angles and the wires are stretched and tightened through them. This creates the force that pulls the teeth into alignment. Treatment times vary from a few months for cosmetic changes, to a couple of years or more for serious bite correction issues. For milder misalignments, the brackets are smaller and made of clear ceramic and the wires are tooth-coloured.

Lingual braces

Brackets and wires again, but this time fixed to the tongue side of the teeth. Lingual braces are often made of gold alloy and each bracket is custom-made for each tooth. They are completely hidden from view and can be used for all misalignments, no matter how severe or complex.

Clear aligners

Not really even braces. In Watford and elsewhere clear aligners are a series of 3D printed mouth guard-style trays. Patients work their way through the set, wearing each aligner for week to 10 days, which gradually nudges their teeth into alignment. Aligners are removable for eating and teeth cleaning.

Front teeth aligner

A single removable appliance that works on the front teeth only. It uses spring-loaded metal bows, or sandwiches of clear plastic to align the teeth.

What Can A Full Stack Developer Contribute to Your Business

Person developing codeYou may have heard about this breed of “all-in-one” programmers. There have been lots of appraising talk about these full stack developers for business intelligence that even giant tech companies like Facebook are betting on and employing them.

What Do They Do?

In layman’s terms, a full stack developer is someone who knows how to code at every level of a computer, from front to backend. They understand the fundamentals of server processes, databases, and user interface functionalities.

A Good Match for Small Businesses

Being a “jack of all trades” in web development, full stackers make a good match for small businesses who can’t afford too many IT professionals. Larger companies often can hire teams of developers, thus each member can specialize in one process. Full stack engineers, on the other hand, can take care of all the coding and designing for start-ups. They bring a lot of knowledge and expertise to the table and can do many processes by themselves.

Skills to Check

Full stack developers know several languages, platforms, and frameworks. While they’re a minority, they exist – a kind of technological geniuses, one may say. A candidate has to prove his expertise in the following areas:

  • Back-end – PHP, Ruby, Python, API development/design, etc.
  • Front-end – JavaScript, CSS, SASSS, SML, Bootstrap, etc.
  • Database – MongoDB, MySQL, XML, Oracle, etc.
  • System/Infrastructure – Sphinx, UX, load balancing, server security, etc.

Focus on the programming languages that the developer knows. For the client side, the most important are CSS, HTML, and JavaScript. For the server side, check for their knowledge of PHP, Python, or Ruby on Rails.

While it is understandable for small business owners to feel hesitant with new, trendy things, hiring a full stack services provider may just be one of the best decisions they’ll ever make. From designing, developing, and deploying IT solutions, you can count on them to increase productivity throughout your entire organization.

Mechanic fixing the wheel alignment

An Insight into Wheel Alignment – Common Alignment Angles

Mechanic fixing the wheel alignmentHow your car’s wheels align can impact the way it responds to handling. It can increase wearing of the tyres and even affect movement. When you hit a curb or something that could mess your wheels alignment, you should see a mechanic.

You should visit an auto service in Clearfield if your steering wheel bends on one side while driving in a straight line. Also, if your car drives fine but tyres on one side wears out, visit a mechanic. Most of the time, the car’s manufacturer will recommend a wheel alignment check every 10, 000km.

That said, below are the three most common alignment angles.

Caster

The front suspension is usually located in a precise manner relative to the vertical position, which is the caster angle. The angle is not something you can see. Mechanics measure this angle. In most cars, this angle is positive to help steering and stability at high speed. It also helps the wheel to adjust after you have turned the steering wheel.

Camber

Unlike caster, you can see the camber angle. It is the tilt of the tyre at the top relating to the way it sits on the road. When wheels tilt towards the car, it is a negative camber while the opposite is positive camber. The vehicle would have a neutral camber to avoid wear of the tyres.

Toe

Toe angle refers to how tyres look when facing forward. If then the wheels point inward, it is toe-in, and if they point outwards, it is toe-out. Most vehicles will have toe equal to or close to zero. Too much in or out toe can cause the car to be unstable at high speeds and it can cause tyre wear.

Your mechanic should be able to determine if you need a wheel alignment after a test drive.  They will watch out for an un-centered steering wheel or a pull to one side. A noisy or shaky vehicle could also be about misaligned wheels.

Why get braces in Leeds?

Woman getting dental braces checkupBraces offer multiple benefits besides creating an attractive smile that people cannot wait to show off. It seems, when one looks at all the smiles in Leeds, that people are grabbing the chance to trade in their crooked smiles for straighter teeth.

Thanks to many innovations in the materials and techniques used in dentistry over the past couple of decades, more and more adults are choosing to get their teeth straightened with braces in Leeds. They are available from great local dentists, such as Enhancedental.

But why bother with braces in Leeds? Let’s go over the reasons why it makes sense to get braces at any age.

Teeth for life

Modern-day dentistry has a strong focus on helping patients hang on to their natural teeth for as long as possible, and braces play an important part in this. When the teeth are properly lined up, they last a lot longer.

Less hassle to clean

Brushing and flossing are simpler and more effective with well-aligned teeth because there are far fewer nooks and crannies in which plaque, that sticky film of bacteria, can hide away and proliferate. Plaque hardens into tartar. The bacteria in plaque feed on the sugars in our mouths and exudes an acid that decays teeth and inflames gums, both of which can lead to serious issues.

Evenly distributed chewing pressure

Well aligned teeth work as a team to bear the pressures of biting and chewing, rather than just a few taking the brunt. In an adult male, chewing pressure can be as much as 97kg or 200lbs, and when that is bearing down on just a few teeth, they will crumble away after a while, and have to be replaced. Distribute that pressure evenly along the arch and every single tooth has a much stronger chance of remaining intact.

Less pain

When only a few teeth take all the pressure, it can create problems and pain in the jaw joint, the neck, the head and the shoulders. Jaws can hurt and click, and headaches and migraines can ensue. These problems can all be reduced, even eliminated when the teeth are well aligned.

The Essential Guide to Choosing the Right Container For Your Plants

Man working on gardenMost people who like to spend their time outside would know how relaxing it is to have beautiful planters in their garden. Traditionally, an Italian-inspired garden is known for its green scenery with a few flowers.

But if you’re thinking about designing a backyard garden, getting some Italian planters from trusted suppliers such as Authentic Provence would be ideal. But how do you know which one is the best? Read on to find out.

Price

There are many options available when choosing a planter. You just need to know which design will fit your garden without breaking the bank. There are plenty of beautiful yet affordable planters on the market.

Durability

Always consider the durability of the product that you’ll buy. Invest in something that will last longer. Not only will it save you money, but it will also mean less consumption of resources.

Location

Create a sketch and plan where the container will be placed in your garden. Consider the size, shape, material, and style of the planter to make sure it will fit your garden’s aesthetics. Choose a color that will blend perfectly with the plant.

Drainage

Ensure that the pot or planter has a drainage hole. If not, choose a material that you can easily drill holes in. Saucers may appear like a sore thumb in your overall garden aesthetics, so try to refrain from using one unless you’re concerned about water overflowing on the surface. Keep in mind that the standing water in the saucer will also attract mosquitoes.

Time and Energy

Planters are easier to use than the regular pots. You can even make your own planter by repurposing some of your old containers. There are several ideas on how to repurpose your planters while helping you save more money.

Gardening is a good hobby or activity. Done right, it also adds beauty to a property. Go find the right planters for your backyard garden and start enjoying the benefits soon.

What to Consider when Choosing a Concrete Resurfacing System

Man ready to work on the concrete resurfacing systemWhen it comes to resurfacing your concrete floor, the weight performance of the surface is more important than its appearance. But there is no need to get a system that does not appeal to your eye.

When it comes to using concrete sealing products, some of the things you need to do to get a resurfacing system that will strike a balance between the appearance and the strength of the system include the following:

Condition of the Existing Surface

Are there cracks in the concrete or is the surface not level? You need an overlay that is self-levelling and of greater depth. If the surface imperfections are minimal, Form Direct recommends using a thin overlay. The moisture content of the concrete could also affect the state of the overlay system. A permeable overlay system is essential to allow excess moisture to escape.

Cost of Installation

If you are using stencils and other decorative engravings to draw patterns on the surface of the concrete, then your installation cost will be high. The value can likewise increase when you apply colouring on the surface and use different colouring methods.

Maintenance

Typically, floors require a little sweeping and mild cleaning to keep looking clean and new. An overlay with a decorative look needs extra protection from water, dirt and stains using different types of concrete sealer. The sealer makes it easy to clean the surfaces. You may likewise need to reseal your floor after a year of used to ensure that the surface always looks elegant.

The main reason for getting an overlay system is to enhance the look of your concrete. First, determine what you need in an overlay: the colour, texture or pattern. Look for a product that will help make your project a success. But always contact a reputable overlay supplier of materials and an experienced installer to ensure a quality overlay system.

Should You Keep Your Property When You Sell Your Business?

A property being soldThese are some of the questions that business owners ask if they plan to exit their business in Utah. At the same time, they need to deal with the prospect of selling their property or company premises.

Is this year a good time to sell my business in Provo? How will the corporate tax cuts affect a possible company sale in Salt Lake City? You need to get answers to these questions, so you can make an informed decision.

Advantage of Selling

The advantages of a simultaneous sale of your business and company property include more liquidity on your investment portfolio. You would have more funding sources to pay off your urgent financial obligations to business partners and creditors.

If your business premises only serve a particular function, such as for manufacturing purposes, then you should consider selling it along with your company within a specific timeframe. While the U.S. government reduced the corporate tax rate, you should still expect some tax implications of an outright sale.

Financial Requirements

Small businesses should take note that it takes between six and nine months on average to complete a sale. Before you look for a buyer, you should have an organized set of bookkeeping or accounting records. Some buyers may ask for forecast growth estimates within five years, so consider doing that as well.

Capital gains tax, if there is any, will depend on how long you have been the business owner. You may pay a 15% tax if you have the ownership for more than a year. In other cases, it could go as high as 20% if you are in the highest tax bracket.

Business owners must think twice and consult a professional adviser about their plan to sell their company and property, as the pros and cons of selling will both depend on your case.

Business Success: What You Need To Do Before Buying A Franchise

Business franchisingFranchising has become the preferred business format among many entrepreneurs around the world. It has provided small business owners with the resources necessary to compete against large companies that dominate the retail industry.

In Australia, franchising began with the introduction of franchised fast food brands from the United States, such as McDonald’s, Pizza Hut, and KFC. Since then, franchising has continued to grow, and now most of the franchise systems in operation are home-grown, with several of those even making their way into international markets.

Franchise brokers like Transworld Business Advisors Australia are making it easier for Australian entrepreneurs to get into franchising. It should be noted however that not all franchised businesses succeed, so it’s of utmost importance to evaluate a franchisor’s offer and assess the risks. Before deciding on which franchise you are going to buy, do these three things first.

Ask for financial data showing performance

Learn all you can about the franchise, including how other franchisees perform considering their location. Review the business plan and if available, a profit and loss statement for other units in the franchise network. You can also get in touch with current and past franchisees and ask them how long it took for them to see a return on their investment.

You may even do some sleuthing to see where the proposed franchise site will be to check if there is enough foot traffic to guarantee sufficient revenue. When considering purchasing a franchise, don’t forget to consider the operating capital, operating costs, number of customers you need to serve to generate profit, overheads such as franchise fees and loan repayments, and other factors.

Assess the franchise documentation

A successful franchise should be able to provide you with comprehensive documentation that includes information about operations. Aside from this, it should also have information about:

  • Brand identity – guidelines about the brand and collateral to help you maintain brand consistency
  • Training and procedures – for your induction and for instructions on running the business as well as hiring and training employees
  • Marketing campaigns and collateral/promotional materials – to enable you to do local area marketing
  • Communication platforms – website, social media, and other platforms used to communicate with customers and with the franchisor

Make sure to assess the documentation to determine the franchise’s competence, organisation, marketing strengths, and priorities when it comes to employees and customers.

Seek professional advice

Buying a franchise is a major undertaking, one in which seeking expert advice would be wise. The Franchising Code of Conduct requires franchisors to tell interested franchisees to take financial advice to make sure that you fully understand the terms.

So for our last tip, get advice before making a decision. This can be a franchise consultant, lawyer, or financial advisor specialising in franchising. You need to understand all the risks so you can make an informed decision and choose the franchise system that’s best for you.