Category Archives: Marketing

money and gavel

Debunking 5 Bail Bond Misconceptions

money and gavelMaybe you have not heard about bail bonds, or maybe the only way you can learn about them is watching movies and television. For other people, they learn about bail bonds in Raleigh, North Carolina through personal experience. Unfortunately, the bail bond sector is often misunderstood, with a lot of negativity toward the issue.

Still, most of these misconceptions have adverse effects in the long run. People often go through the process with the wrong information or avoid it due to these myths. As such, they do not get the most out of a bail bond agency or the bail bond process. It is time people learn the truth, rather than believe the misconceptions.

Bondsmen accept only cash

Cash is a payment option when paying for a bond. However, you should get over the myth that bail bond agencies accept only cash payments. Bondsmen also accept other forms of payment as long as you discuss with them. The agencies accept forms of collateral, such as electronics and cars.

Bail amounts can be negotiated

Unfortunately, some people have fallen prey to this myth. In reality, you cannot negotiate the bail amount that has been set by the judge. A bondsman can only help you or your loved one to get out of jail by paying the bail amount, but not negotiating the bail amount. The amount is usually based on what you have been charged with based on the state laws.

A bondsman can get anyone out of jail

lawyer and accused infront of judgeIn reality, a bail bond company or agency cannot get anyone out of jail. The judge decides people who can get out of jail on bond. Sometimes bail is not an option based on the charges and the state laws. A bail bond agency comes in only to enable the bail so that you or your loved one is released from custody.

You are now free of legal obligations

Unfortunately, several people have believed in this myth. The truth is that you are not entirely free of legal liability when the bail is posted. You still have legal responsibilities to meet even if you are out of custody. You should be aware of the court dates and make sure that you attend court hearings to avoid legal implications such as finding yourself behind bars once more.

Fees to bondsmen are refunded

The bail amount is usually refunded after attending all your court dates if you pay the amount on your own. Unfortunately, many people have a misconception that bail bond agencies should also refund the full amount. In reality, you must appear for all court dates to get a refund of a specific amount after the court has refunded the payments made by the bondsman for your bail. You should pay the bondsman the money back if you fail to attend court dates.It is crucial to understand the rules that are true and false so that you can go through the bail bond process better than before. You should not let the myths mentioned above deter or discourage you from navigating the bail bond process. You can now contact a bondsman without the fear of falling into these myths.

ashworthpublishing.com

Primary Elements of an Adjustable Rate Mortgage

Man showing the house keyDuring your home buying journey, you will come across several types of home loans. Most people base their choice of a mortgage on what has worked for their friends and families in the past.

Mortgages are highly personalized loans and what works for one person might not work for another irrespective of the similarity in your finances and lifestyles. The two primary home loan categories available are adjustable or variable and fixed-rate mortgages.

The mortgage rates advanced by Guildford’s many lenders for an adjustable rate mortgage (ARM) alter over a loan’s lifetime depending on market conditions. There is a fixed rate period initially which can be one, three or five years after which the rate changes.

The initial rate your lender will charge is generally lower than that advanced for a fixed rate mortgage, and most people base their choice of an ARM on this. You should however asses all the elements of an ARM in totality to make a clear decision on whether or not this option will work for you.

The following are the primary elements of an ARM which should influence your choice.

Index

ARMs are tied to a particular index. This index will determine the behavior of your loan’s interest rate after the initial fixed rate period has expired. There are three indices generally used for ARMs including London Inter Bank Offering Rate (LIBOR), the prime rate, and the one-year Treasury rate.

The LIBOR is the most commonly used index since it allows the selling of mortgages on an international market. The prime rate index is generally used for HELOCs which allow you to draw on your home’s equity after some time.

Margin

Person giving bundles of cashYour lender will add particular percentage points to your loan’s index to determine your margin. This is the lender’s cost of business operations and their profits.

This margin is determined by a lender but generally range from 2–3.5% and is defined in your loan’s terms. It remains constant throughout your mortgage’s lifetime.

Cap or Limit

A cap is placed on how high an interest your lender can charge on your loan. This is an industry regulation to minimize the risk of a lender abusing an ARM by charging exorbitant rates.

The lifetime ARM cap, for instance, can be specified in your terms as a percentage of your overall indexed rate or as a stated number. Either way, you can plan your repayments around the cap rate since this is the highest interest rate which your lender can charge over your loan’s term.

Frequency of Adjustment

Your rate can be adjusted annually, bi-annually or after every two, three, five or seven years in an ARM. In general, your fixed period rates will be lower if you opt for a short adjustment period and vice versa. This is because your lender is cushioned from long-term losses in low rates from the frequent rate adjustment.

Some people shun ARMs because of the misinformation in various circles. If however you pay attention to and pick the best terms for the elements mentioned here, an ARM repayment will be hassle-free.

You will also take advantage of low repayments over certain periods and benefit from the flexibility and zero prepayment penalty an ARM offers.

Why Choose Refurbished Cubicles for New Businesses

Employees relaxing

Small and new businesses are always looking for ways to cut costs, especially if they are still in the startup phase. One of the ways they can effectively save on capital is by choosing refurbished or used office furniture to install in the new office. This is a practice that even large companies do for their economic and ecological advantages. In Salt Lake City, Utah, physical offices can be set up with used office cubicles and other stylish dividers.

Refurbished cubicles have no visible differences compared to brand-new fabricated ones. Of course, new ones will cost more and take a few days to make. With refurbished ones, office staff can enjoy the functionality and professional look of a workstation using pre-owned components that are effectively reinforced and renovated according to the current office layout. However, if your company can afford to invest in brand-new office decor and equipment, you can get new cubicles so that you can customize the color, height, and even thickness of the dividers.

Why Do You Need Cubicles in the Office?

Depending on the nature of their work and their own personality, employees prefer different types of work environments. Installing cubicles in the office helps employees focus better on their work. The cubicle offers a comfortable and private working environment. This also lessens the probability of office gossip and getting distracted with what others are doing at their own desks. Some jobs require a high degree of concentration, so it is best to provide these individuals with some privacy in their workstations.

The Cheaper and More Flexible Alternative

Business situation

Refurbished cubicles look like almost new workstations, and they can be purchased from office furniture suppliers in the community or from online shops. The best thing about this is that they cost just a fraction of brand-new ones. Small businesses can enjoy completely customizable cubicles for their start-up businesses with this cheaper alternative. There are various styles, sizes, and designs that business owners can choose from. Depending on the space and workstation for workers and managers, business owners can pick the colors and designs and have them fitted to the new office space.

Business owners also appreciate the flexibility offered of choosing refurbished cubicles and furnishings for their offices. Over time, the business will grow, and the possibility of hiring new people will be realized. Additional office staff means that there is a need to redesign or adjust the current layout. With the availability of used office furniture and refurbished cubicles, new and small companies can easily create appropriate and comfortable workstations for all their staff.

There are no questions about the quality and make of used pieces of furniture because they are usually made by known quality brands and top-quality materials. Aside from getting great quality products, you, as the business owner, will be happy to know that you have made a sustainable choice when furnishing the office space. This is also one of the best ways that businesses and companies can go green and save money without losing the aesthetic appeal and functionality of their office spaces.

Woman standing behind sandwhich bar

3 Key Checks when Starting Your Sandwich Shop

Woman standing behind sandwhich bar

There is no doubt that people are always in love with well-prepared food, whether they are at home or while on the move. And what better snack to have regardless of the occasion and time of the day than grab a sandwich? Yes, you heard it right, sandwiches are a preferred snack among many people. That makes the idea of starting your sandwich shop a great business idea. You can open your sandwich shop as a sole proprietor or take advantage of the sandwich John Smith Subs franchise opportunities near you. Even then, you should be careful when running such a shop. Here are three guidelines that will help you in franchise management:

Relationship with Customers

You must have heard that, in business, your customers are always right. However, in the global market, sellers and buyers do not get to have a conversation due to the geographical distance between the two parties. That is not the scenario when running such a shop. You will always be in touch with the customers and need to get your PR skills right. If you have employees working in the shop, they also need to have personal skills. Treating your customers right will ensure that you get repeat customers. That will see your business grow at a fast rate.

You Require Help

The food industry is a service industry, and that calls for specific concerns and demands. Regardless of the size of your business, as a business owner, you require help from employees. The employees will be the ones interacting with customers, and hence the need to make the right hiring choices. You can help with ensuring there are enough supplies for the business. Also, you can handle the other serious tasks of running a business. Liaise with your franchisor when you have concerns about hiring staff and running your business.

Business Skills are Critical

Woman working behind cash register

There is more to running a successful sandwich shop than preparing sandwiches and serving customers. The background tasks of running the shop include proper advertising, handling cash inflow and outflow, buying supplies, and balancing financial statements, among others. You need to understand business operations to be successful. If this will be your first business, you will need to get lessons on business skills. Even with business skills, you may still face problems, but the foundational knowledge will be a good place to refer to. The good thing is that the franchisor has been in the business and has had more experience than you. That makes it essential to maintain contact with and develop a relationship with your franchisor.

If you just opened and are running a sandwich shop for the first time you ventured into business, a lot could seem difficult at the moment. However, if it is a franchising opportunity, the franchisor can help you a great deal in running your business successfully. Your love for people and offering exemplary service will also be a plus for you in this business. In such an environment, you will discover that starting your sandwich shop under a franchise is one of the best business ideas to invest in.

Hometown

Before You Fly: Preparations for an Expat Life

Hometown

Working abroad or planning to live in a new country always sounds like a nice prospect. It will always feel like getting a new canvas to paint your story or having a blank notebook where you can add new chapters to your life. It is exciting, indeed, but it can be stressful and anxiety-inducing at times, especially when you do not have an idea what will actually happen in the future. Leave those thoughts and focus on what you can do.

The transition to a new lifestyle may feel difficult r — you will have a new home, you will talk to people whose language is different from yours, and you may even experience some culture shock. You need to keep in mind that there will always be ways to make things much easier. This is why preparation is always the key.

Here are some of the things you need to do if you want to thrive in a new country.

Build a support network

One of the first things you may experience when you work abroad is homesickness. You will never feel it unless you are far away from home. But you need to make yourself home, too, especially if you are planning to retire in the new country. One of the best ways to combat homesickness is through building a support network. This may include people who came from the same country as yours. You may explore social networking sites or meet with people you know at work.

Prepare your documents

AGent showing the document

The documents you need should be already prepared before you fly. You will have to make sure that you have covered all your bases, as forgetting even one minor document will compromise your journey. As you apply for a job, you will need to secure certain documents from your previous employer, which includes employment certificates. Police clearances and your certificates of degrees will also be needed.

Get the right insurance

It is always advisable to protect yourself, especially that you are going to live there for a long, long time. With that, you may need to get the right health insurance. You will never know what will happen, so you need to have your bases covered. While you are at it, you may want to consider getting a prepaid funeral plan for expats in Spain or wherever you are in the world. The prospect may sound and seem grim, but you are just taking the necessary precautions.

Mind the costs

Finally, you need to research the costs involved when you live in a new country. Remember, you are using a different currency, so you might as well change your spending habits and behaviour. You may change your lifestyle a bit, but see to it that you are not being painfully frugal. You still have some leeway and freedom to indulge in what you want.

Living in a new country is an adventure. And just like other types of adventure, you will need to be more than ready for it.

Read more at ashworthpublishing.com.

7 Health Hacks When Traveling to New Zealand

Wellington, New Zealand

Your place in this world can only be made more meaningful if you are living in a healthy way. What good are all your income and goals in life if you do not have the physical and mental well-being to sustain those lofty goals, ideals, and way of life? You can definitely do this as a traveller or an aspiring permanent resident of New Zealand with these tips:

Mind your food and nutrition

All the precaution in the world is moot unless you provide yourself with the right nourishment. Eat well, and you will have more bandwidth to combat viruses, strengthen your body, and gain more energy for your activities. Your food intake is already half the battle won if you manage to discipline yourself. Having not-so-good eating habits can be detrimental even when you are extra careful in other things.

Take shots for flu or other applicable vaccines

Travel advisories exist for a reason. Make sure that you have adult vaccination for the places that require it. If there is a flu epidemic, carve out some money from your funds to have that flu vaccine. Nothing is worse than getting in between the crosshairs of an epidemic plague that has gone bad. This does not just apply to New Zealand but to all countries you travel to, in general.

Be mindful of accessibility to good healthcare institutions

You may find it hard to get access to basic dental and medical equipment in rural areas. No matter how adventurous you get, make sure that you always have access to good healthcare facilities in case something happens. There’s no telling where you may be or what accidents can happen, but it’s always better to think ahead and make sure that you have these basics at your disposal at any given time, for as much as humanely possible.

Make sure that you have health insurance

Residents and people with work permits of more than two years are eligible for health insurance benefits, which are provided in a mix of public and private provisions in New Zealand’s government. Study reviews online and see which one caters to your needs the most by properly checking out the available brands of health insurance from private entities.

Wear appropriate gear suited to the weather

Whangarei harbour from Mt. Manaia

Avoid the common cold and other weather-induced health problems by dressing up appropriately. There is hot weather from November to March, and cold weather from April to October as a rule of thumb. Prepare some spare outfits for anomalous weather conditions that you do not expect.

Ensure your data’s security

Healthcare data is one of the most easily hacked because it lacks safety features. For any institution that has access to your health data, make sure that the policies on data privacy are in place so that you will not be compromised. Be more inquisitive about these details if you have to; your details about your health and social security and other legal information may be a cause of stress if it falls into the wrong hands.

Know the laws on accidents

In New Zealand, there is reciprocity on emergencies or no refusals on accidents. These default laws operate to the benefit of residents and tourists alike. The more aware you are of your rights and benefits, the better.

Ultimately, health hacks are not really isolated things but a system or a lifestyle that allows you to live your best life. Make sure that you keep these in mind. As a result, you will be able to enjoy more of your travel adventures and daily routines.

5 Ways a Marketing Agency Can Help Online Businesses

Digital marketing allows you to create a plan to boost your online leads and sales. When you have a clear plan that integrates effective strategies into your digital marketing, you stand to reap the benefits regardless of the size of your business. Unfortunately, small businesses are normally cash strapped, which makes establishing a digital marketing strategy difficult.

Does this mean they should abandon this marketing method? Well, doing so will see them lose a huge chunk of their online business and reduce their online visibility as well. Instead, they can hire an agency to do the work for them. Here is what they stand to gain from this:

Cost Effectiveness

When you allow a full-service digital marketing agency in Phoenix, Arizona to carry out the strategy for you, you can be sure that they are equipped with all the necessary tools. They use targeted research and analytics to decide what approach is best for your business. This saves you the cost and resources of carrying out the same on your own. As a result, you will make use of appropriate channels and avoid spending on campaigns that might not perform.

Competitiveness

While big companies are in a position to set up functional digital marketing departments, limited resources hinder small businesses from achieving the same. Fortunately, the services from a marketing agency will come in to close this gap. They level the playing ground and give small businesses an opportunity to compete, create awareness, and build their online business within their budget.

Increased Engagement

Most Internet users own a smartphone and devote their time online to explore different apps and websites. The agencies are able to use different measures to establish the appropriate marketing channels. Using mobile marketing exposes you to opportunities that boost engagement. From this, they create a personalized user experience that allows your business to reach new users in their most native environment.

You reach more audiences who are interested in what you have to offer. They will also give you insights on client segmentation. When you apply these results to offer customized attention to clients, it boosts the customer experience. They will trust your services, as well as become loyal and advocates for your brand.

Interpretation of Data

google analytics data

Agencies have different tools that allow them to access analytics for various digital platforms. They then create reports and visuals for you to easily consume the data. You get to map the customers’ journey and measure performance using the available metrics and real time results. The information will help you to make informed decisions and boost efficiency. In addition, the agency has the tools to analyze your competitors, so you are aware of what they are doing differently and take cues from it.

Strategic Positioning

Most purchase cycles begin with an online search. For clients to see your business, it has to appear on the first page of the search engine results. Using search engine optimization, your agency is able to earn you a better ranking and place you where your clients can easily find you. They can also adjust their strategy and tactics depending on the changing online environment to achieve the best results.

An online marketing agency conducts an initial audit to know what your business needs. From this, they develop a strategy that will align the marketing goals with the overall business objectives. This sets you on a path to finding success through a solid marketing strategy, even without an in-house online marketing department. With time, you are able to get a good return on your investment through increased leads and conversions.

modern office interior

Make it Great: Designing an Office to Promote Efficiency

modern office interior

Productivity is a concept or goal that every office manager or business owner should aspire to have. It results in quality output and a greater volume of products. Productivity can be achieved in many different ways. And one of them is through making sure that your office follows a floor layout or design that promotes efficiency.

Some office managers think that office layouts and designs are just a mere arrangement of items, equipment, and dividers. However, there are some aspects you need to look into. It has a science. You may say and believe that the whole thing is too technical, but you can make things easier. You will have to streamline your plan.

Planning the office layout may also feel overwhelming at times, but just relax and you are sure to pull it off. If you want to have a good start, let this article give you some valuable pieces of advice, which will also keep you from committing costly mistakes.

Office Design Tip #1: Pick the right furnishings

Comfort is a priority, so you must make sure that the furnishings and fixtures you will put in will follow the basic rules of ergonomics. Choose furniture pieces that will keep employees from sustaining strains and repetitive injuries. The chairs you get should have reliable and strong lumbar support. The tables should allow employees to easily reach for their items. If you want your desks to save space, you should order desk systems that suit your office plan. Finally, you may consider having anti-fatigue mats, so that standing employees will be comfortable when performing some tasks.

Office Design Tip #2: Create some private zones

You may have an open office plan to promote collaboration among team members, which leads to productivity. Keep in mind that you have shy and introvert employees, however, so you should also provide them with spaces where they can work. These private zones should also be accessible to any employee who wants to concentrate on their work.

Office Design Tip #3: Give room for natural light

Natural lighting in the office

Gone are the days when offices highly depend on their lights and bulbs to brighten up the space. If your advocacy is to save energy bills, you may lessen the times your office uses fluorescent lights. You may need to have bigger windows and let some natural light in. The windows should also have smart filters to control the amount of heat coming in.

Office Design Tip #4: Go for greens

Maybe it is time to breathe some life into your office, and this is something that you can do to through putting in some plants. However, be careful when it comes to choosing plants. This is because some plants actually attract pests and insects. You may go for the likes of succulents if you want low-maintenance plants.

These are only some of the things to keep in mind if you want to make your office truly work for the employees. A well-designed office helps promote efficiency, which leads to productivity.

Man handing the car keys

How to Pay Off Your Title Loan Faster

Man handing the car keysIt is hard to get a loan, especially if you have a bad credit score. Most lenders will not even entertain your application the moment that they see your credit history. Still, there are ways to get a loan fast without having to worry about your bad credit score.

A title loan in Utah functions the same as a regular installment loan. The only difference is that you need to use your car to apply for the loan itself. You need to submit the title of your vehicle to your lender to secure himself if ever you default on your credit. Although it is an excellent option for people who have a low credit score, it is still essential to find ways to pay it off as fast as possible. But how do you do that? Here are the ways to pay off your loan:

Pay twice a month

Making payments twice a month instead of one regular monthly payment can help you pay off the loan much faster. HuffPost says that making payments twice a month can reduce your several months on your credit. You may want to discuss it with your lender to let them know about it.

Make extra payments

If ever you have extra money, you can consider paying down your credit cards and other loans. You can put any extra money to make additional payments to help you get your principal balance down a bit. My Money Coach explains that regular payments go toward your interest rates. Hence, making extra payments gets applied directly to your principal balance.

Make some extra money

Coins, calculator and piggy bankYou can think of other ways to make extra money to pay off your loan. You can consider doing a part-time job that can help you earn a little extra each month. Doing so can help you pay off your credit even faster. Finding a part-time job that pays as low as $100 every month can give you an extra payment worth $1,200 throughout the entire year.

Make one extra payment a year

If you don’t have enough funds to make bi-weekly payments, you can consider making one extra payment each year instead. Another option is to divide your monthly payment by 12 and then add the dividend to all your future monthly fees. For example, if your monthly title loan is $260 for twelve months, you can divide your monthly payment amount by 12. Then, add $21.67 to each of your payment for an entire year. The extra pay that you do every month is equal to one additional payment for a year.

Ask for any discounts for paperless billing

There are a few companies that offer discounts whenever you sign for paperless billing. Lenders save money from printing bills whenever customers avail their paperless billing service. In return, they offer discounts for their customers as a reward.

Getting a title loan is an excellent alternative for those who do not have a good credit standing. However, properly managing your finances is still the best way to go. Paying your loan earlier than expected will help you save money on interest as well as decrease the overall term of your loan.

Environment concept handshake

3 Radical Ways to Help the Environment

Environment concept handshake

Did you know that making life decisions — no matter how small — can make an impact on the environment? Many people can find motivation in the thought of establishing a legacy for the future generations or simply to add meaning to life.

Whatever the reason, this world is always in need of people who are willing to be heroes in their own right. Are you ready to outdo your sacrifices for the environment this year? Here are five radical but simple ideas on helping the environment in a more compelling way.

1. Go for green burials

Green funeral services might not an option most people choose for its lack of popularity. But ditching the formalin on a cadaver may actually just help save the environment more. Having organic caskets and organic burial paraphernalia may just spell the difference between artificial land or land that actually nurtures the presence of plant and animal life in the future.

A famous Buddhist meditation called Death Meditation captures this more perfectly: a person imagines his dead body as it is lowered on the ground and ushers in new plant life after it decomposes.

It is said to be a practice that helps foster humility and is lauded as a way to help you move towards the direction of your dreams. You can take that a notch higher and going green in your last will.

2. Shift to a plant-based diet

Studies suggest that eliminating meat and dairy from your diet can cut back the damage on the earth by a significant amount. It also claims that it will help feed more starving people in Africa. The benefits are quite astounding.

It’s also a personal investment as it involves weight loss, clear skin, and a youthful glow as some of the palpable side effects. Going vegan is a decision of loving all life and refusing to eat dead animals as a way of life.

It can also be a major health decision. There are many benefits, and this movement has gained more traction recently with the number of celebrities who are adopting this lifestyle.

3. Get into compost and tree planting

Planting

Make tree planting and composting a way of life. Educate your neighbours about garbage segregation and take the initiative when no one else is volunteering to do it. Your compost and tree planting activities can go a long way, especially if you collaborate with like-minded individuals who have the same love for the environment as you.

It’s not easy at first, but being a part of a community that is into these things can certainly help you push your projects to completion over time.

Getting more involved for the sake of mother earth is a major decision that deserves recognition. But only a few are rewarded for this kind of choice. Regardless of the reward or understanding of the people around you, this is the type of decision that outlasts your generation and potentially hands over to the next in a meaningful and beautiful way.