Monthly Archives: April 2018

an agent shaking hands with clients

Important Factors to Consider When Planning to Use 401(k) for Your Mortgage

an agent shaking hands with clientsA 401(k) is a great retirement savings plan sponsored by most employers. It lets employees save and invest a particular portion of their salary before they get tax deductions. In some cases, you could take a part of your funds from your 401(k) to pay for mortgages in Utah, notes Altius Mortgage Group.

However, taking funds out of your retirement account would cost you a lot in the long run. Beef up your savings beforehand. Expect to pay 20% of the property’s purchase price as soon as you apply for a home loan. It can be a challenge to spend thousands of dollars for a down payment alone.

So, ensure you have enough funds that you can access to settle the down payment for the property. Consider applying for smaller lenders. In some cases, larger banks usually support these, which can give you the same benefits as with big banks.

Home Loan

In fact, you could even find several home loan options not always available in bigger banks. They also provide a more tailor-fit service for their customers, such as longer loan durations and even higher lending ratios. You should consider tapping into your 401(k) as a last resort.

Having your own 401(k) is quite beneficial, especially for millennials. Having one would ensure that you wouldn’t have any problems once you reach your golden years. Although it is possible, you might want to look for other sources of funds instead of using your 401(k) savings.

These are just a few factors that you may want to consider if you’re planning to use your 401(k) for your home loan. You could try to coordinate with your lender and ask for any alternative options for your loan’s down payment.

woman in a swimming pool

Swimming: Benefits You May Not Know About

woman swimming in a poolSwimming is undeniably one of the most fun activities, especially during hot summer days. Numerous home owners aim to build their own pools. Do you live in Perth? Swimming pools are a huge investment, and good thing there are reputable professionals in that city.

What do you get from swimming? It has a lot of health benefits as well. Here are some surprising ways in which pool swimming benefits one’s well-being.

It can make a person smarter

Did you know that swimming can raise one’s thinking skills and memory function? It promotes the development of new brain cells by decreasing inflammation and resistance to insulin.

It helps you stay young

Swimming decreases blood pressure, enhances physical strength, and improves balance in old people. These delay aging effects and so swimming pools are deemed “fountain of youth.”

It helps enhance one’s flexibility

Every kick you do when swimming stretches your ankles and other body parts that are neglected due to sedentary living. Repetitive stretching in different strokes makes you more flexible. You may reap greater results when you pair swimming with Pilates.

Furthermore, swimming helps relieve pain and speed up recovery from injuries. It has a rehabilitating effect. It is not a weight-bearing exercise, which supports the body as it relaxes, stretches, and heals.

It improves mental health

Swimming can bring out the so-called feel-good emotions. As you swim, you will feel relaxed just like you how you become relaxed when doing yoga. Swimming makes you calm and is also meditative. Doing it regularly naturally decreases depression and anxiety.

Having a swimming pool at home is surely fun. But you can enjoy it more if you know how to maximise it and use it to improve your overall well-being. The benefits above are just some of the numerous perks you that swimming provides. Feel free to do more research, and apply everything you will learn.

air conditioning technician checking the AC

How to Choose a Great AC Repair Company

air conditioning technician checking the ACThe scorching heat of the sun can deplete the energy of even the most energetic person. While hydration is the primary aid in combating the heat, nothing refreshes the whole body than the blast of cold air from an air conditioner.

Now, imagine that a customer walks in your establishment weary from the draining heat only to find that it’s the same temperature as outside. Not only will your business lose potential customers, it’s also highly likely that goods and equipment will be affected by the heat.

In case of an AC breakdown, make sure to tap a company that offers emergency AC repair in West Valley. Here are three things to keep in mind:

1.  Know where to start

Given that many companies offer emergency repair, it’s easy to get overwhelmed. However, if you know where to start your search, it isn’t so hard. Drop the notion that the most popular company is right for your needs. It’s wise to start with the local Better Business Bureau (BBB) to check the consumer ratings of HVAC contractors. In addition, you can also tap the help of the Air Conditioning Contractors of America (ACCA). The organization is sure to refer you to reputable and reliable contractors.

2. Check the paperwork

A reputable HVAC contractor has all the necessary paperwork and license to operate. Before committing to the services of a company, make sure to check that they have the appropriate license to operate. Depending on the location of your business, the HVAC contractor may be required to have a state, municipality, or county license. It’s best to check the Contractor’s License Reference Site and National Contractors to see if the contractor of your choice is licensed.

3. Delve into the details

A great HVAC contractor should be able to provide a comprehensive written estimate that details all the work that needs to be done. A reputable company wouldn’t leave you guessing and surprise you with costs that weren’t discussed beforehand.

It’s necessary that your AC is in its best condition for your business to thrive. When an emergency repair is needed, you need the help of experts who can remedy it the soonest. Consider these three tips to get the best.

Consumer Guide: What is the Right Car for Me?

woman smiling inside a carSo you’ve finally decided to buy your very first set of wheels. But do you know which one to get? Before heading out to your local new car dealership or classic car, Ardell Brown reminds to ask yourself some important questions to choose the right one for you.

How much are you willing to spend on a car?

The first thing you need to take into consideration when buying a car is, of course, your budget. This is not limited to just the cost of purchasing the vehicle itself — be it in full cash payment or through monthly car loan payments — and the accompanying taxes and fees. There are also the insurance premiums, maintenance costs, and fuel expenses you need to pay on a regular basis.

What will you mostly use the car for?

The function your car will mostly serve is another factor to consider. You have to take into account how you’re going to use your vehicle, so you can be specific with its features — seating capacity, storage space, and engine performance. For example, if you’ll mostly drive your wheels to transport goods for your business, you should think of getting yourself a van or a pickup truck.

What do you want in a car?

Budget and function are obviously important, but you shouldn’t completely disregard your wants when it comes to your set of wheels. You should consider the type (sedan, SUV, hatchback, etc.), color, and features (touch screen, surround sound system, a backup camera, etc.) you’d like for your car. If you want a red sports car loaded with the latest features, then go ahead and include it in your automobile wish list.

A car is no small purchase, so you need to get it right when you buy one. Help yourself do so by asking and answering three important questions.

Encourage Your Children to Excel in School in 3 Ways

children studying in schoolLike all parents, you want your child to excel in school. While not all children who excelled academically succeeded later in life, it’s safe to say that this is a good training ground. However, you need to acknowledge that as a parent, your role in helping them be the best they can be at school is significant. Here are ways on how you can help them do well at school:

Challenge your kid but don’t push too hard

You need to set high expectations for your children, and let them know that you believe in their potential. A little pressure isn’t so bad. However, pressure without explanation is just useless, so make sure that you talk kindly. For example, if they get a low score on an exam, explain to them that you’re challenging them to do better because you know that they’re capable. If you enroll them in a summer school classes online, explain to them that you’re only challenging them and not punishing them and that it is, in fact, beneficial for them.

Foster a healthy environment

As cited by Reader’s Digest, neuroscientist and author Mark Fenske emphasizes the importance of having a healthy body for a healthy and powerful brain. Therefore, the environment where your child grows, as well as the lifestyle that you nurture, are critical. Serve healthy food and encourage them to get a good night’s sleep every night. Incorporate exercise and other activities, too.

Encourage them to pursue their interests

Not all children are fast learners and will excel academically no matter how hard you push them. Recognize the fact that your child may be better at other areas like sports or arts. If you don’t allow them to enhance their skills in other areas and insist they only focus on academics, the more they would resist. Bargain with them and tell them that you will not only encourage what they want to pursue, but also express how important it is that they try to improve their performance in school too.

Your kid’s attitude towards learning and performance in school will be greatly affected by how you approach them. Make sure that you challenge them enough so they can give their best but also know when enough is enough.

Mobile phone showing ERP and laptop screen showing various graphs

The Latest ERP Trends

Mobile phone showing ERP and laptop screen showing various graphsEnterprise Resource Planning (ERP) solutions are applications that work together to manage business processes such as accounting, sales, customer support, and purchasing. The integrated system helps a business to collect, interpret, manage and store data from different departments of the company. For a long time, ERP was only accessible to large enterprises.

However, the development of ERP online has paved the way for more adaptable solutions to cater to small businesses. The various modules are sold either as a plan or bundled together. The trends in ERP revolve around technological developments that are predictable as the niche is trying to catch up to other software as a service (SaaS) solutions. Below are trends that are gaining traction in the ERP space:

Mobile ERP

Some solutions have become more accessible through Windows, Android and iOS apps. However, most of them only cater to the most critical key performance indicators such as leads, web traffic, and sales. As a result, you can still be productive elsewhere. However mobile ERP comes with security concerns associated with availing sensitive data for access from anywhere.

Social ERP

This ERP introduces data from social media platforms such as Facebook and Twitter. That way, businesses can leverage brand mentions, engagement and their friends’ networks to gain insight and traffic. Social ERP increases customer engagement and in the end, the conversion rates.

On-Premise and SaaS ERP hybrids

ERP has many grey shades between on-premise and SaaS. Many companies have started to opt for a hybrid approach that integrates an inventory management system in the cloud into their on-premise accounting ERP. This strategy is a good move regarding costs and process.

ERP software serves to promote a culture of collaboration in a business, to increase efficiency and to streamline business processes. This results in minimized costs and increased productivity.

sad woman with eating disorder in front of pasta and salad

Dealing with Anorexia: Saying No to Negativity

sad woman with eating disorder in front of pasta and saladThere’s no age limit for anorexia. One may start battling the disorder as a teenager and deal with it for years right under his or her parents’ noses. In the case of this 21-year-old patient, the eating disorder got so severe that she lost her life due to suspected heart failure.

Her case is one of sadness, but yours doesn’t have to be if you get help now. Here’s what you should keep in mind:

You’re not alone.

You may be afraid to reach out and seek treatment of anorexia for fear of being misunderstood or thought of as just seeking attention. It’s understandable when you think you’re the only one going through the ordeal. Go through online support groups and forums, however, and you’ll see that there are more people like you who feel imprisoned by the eating disorder. There is strength in number, and you can empower each other to get better.

Embrace body positivity.

Though body positivity is often associated with those on the heavier side of the spectrum, it’s something you have to think about when you look at yourself in the mirror. You’re not too fat or too thin, and you can survive one full, balanced meal without gaining all the dreaded calories. Accept the fat that you still haven’t shed, especially if you’re a teenager with a developing body. If you’re big-boned, don’t hate yourself for your own genes.

Surround yourself with the right people.

The mind is a powerful thing, and if you listen to negative words every day, you start to feel bad about yourself. Eliminate those sources of negativity; listen to people who want the best for you instead. That includes your family and friends who love you unconditionally. If they’re guilty of dropping those mindless words about your weight, however, ask them to stop and tell them how it affects you negatively.

Getting help is just the first step when it comes to triumphing over anorexia and other eating disorders. You also need to love yourself by cutting back on the negativity.

woman doing yoga in the park

How Yoga and Meditation Can Promote Better Physical and Mental Health

woman doing yoga in the parkWhen done together, yoga and meditation can benefit both the mind and body. Your health and overall well-being will definitely improve, especially if you practise these techniques regularly.

Yoga enhances your balance, flexibility, and strength, while meditation helps you decrease stress and even boost your immune system.

If you want to learn how yoga and meditation can specifically work to your advantage, go check out yoga and meditation retreats in your area so you can take full advantage of all these amazing health benefits.

Relieves Back Pain

If you have been having back pains, stretching exercises can be a big help for you. In fact, some people who start doing yoga experience significant changes after just a week.

Eases Rheumatoid Arthritis

Iyengar yoga, a yoga type that utilises belts, blocks, and other props, has been effective for people suffering rheumatoid arthritis (RA). Meanwhile, hot yoga such as Bikram and gentle yoga may also soothe the same condition.

Hangover Recovery

Yoga can be excellent in detoxifying your body and helping you recover from a hangover faster. Poses such as the bow, plow, or shoulder stand can improve your metabolism and get rid of your bodily toxins.

Promotes a Healthier Heart

According to several studies, yoga reduces heart disease risks. Meanwhile, meditation helps decrease heart rate, promotes better blood flow, and dramatically decreases stress hormones.

Better Digestion

Meditation aids people who suffer from Irritable Bowel Syndrome (IBS) and Irritable Bowel Disease (IBD). Certain yoga poses and twists, on the other hand, can help food move along your digestive system better.

Quality Sleep

Having sleeping difficulties? Doing yoga at least twice a week can be a good solution to the problem. Meditation and breathing techniques can likewise benefit you as you get to relax your mind and enjoy better rest.

Of course, there are many other positive effects of yoga and meditation, including enhancing your mood, fighting migraines, and more. Try it today and see for yourself!