Protect Your Commercial Investment With Proper Cleaning and Maintenance

Business owners, property developers and corporations invest millions of dollars each year in the construction of office buildings and complexes, hospitals, hotels and resorts, libraries and a myriad of other professional buildings. Brick, marble, granite, concrete, steel, wood and glass along with composite materials don’t come cheap and can make or break the look of a building. It becomes very important to protect that investment with proper care and maintenance inside and out.

Surface Value

The surfaces in your commercial buildings are the first impression a customer or guest sees when they enter. Dull floors with dusty corners or grimy windows are not going to convey the message that this building is well cared for, and can age and cause damage to your building. Hiring good janitorial and maintenance crews is essential to the integrity of your building, whether that comes from within or from hiring professionals like GDI to do the job.

Inner Workings

Beauty may be skin deep, but the guts of the building need regular attention. Areas such as laboratories, industrial areas, manufacturing plants all need to be kept clean and in good working order. In the case of food or medical facilities, cleaning needs to go a step further and requires that sanitizing and sterilization processes take place on a regular basis. These services may need to be hired out to professionals.

Curb Appeal

A well-groomed lawn and grounds are important to the first impression your customers or guests have of your business. The grounds should also be kept free of trash and debris. Sparkling windows and door glass is much more inviting. The exterior ought to be power washed regularly to prevent the buildup of dirt and grime, bird droppings or other animal or pest messes, and environmental pollutants.

You put a lot of thought into the planning of your commercial property; from zoning to design to construction and it is the lifeblood of your business. Cleaning and maintaining it from the outer façade to the inner workings can protect and enhance your investment.

8 Most Popular Items on a Junk Car That Can Be Recycled

Automobile recycling is a huge industry accounting for over 12 million recycled vehicles, 25 million tons of reconstituted scrap metal, a savings of 85 million barrels of crude oil, and $25 billion added into the U.S. economy annually. A lot of that money comes from items that can be recycled or reused by the owner of a vehicle before they dispose of their clunkers or sell their junk cars for cash. Knowing that information can help you stretch the value of your vehicle. But what are the most popular items that can be recycled on a junk car?

Batteries

A used battery may only be worth $10-$20 if it’s sold to a scrap yard or private buyer. But recycling your car’s battery keeps harmful chemicals out of the environment. A used battery can also often be reconstituted with a combination of Epson salt and distilled water, extending the life up to five years.

Catalytic Converters

If your junk car is old enough to contain a catalytic converter, you could be in luck. Well-maintained catalytic converters are the most valuable scrap items in a vehicle due to the metals in the honeycomb: palladium and platinum. A single catalytic converter can potentially be worth between $5 and $200 to the right buyer.

GPS System

If you’re like most people and use your smartphone or portable system for GPS needs, you might overlook removing a built-in GPS system. But that can be an expensive mistake. GPS systems are coveted by many used part buyers and the right system can make you a couple hundred bucks richer.

Hubcaps

Hubcaps can provide the finishing touches to auto buffs, similar to commodities like designer sneakers or collector’s items. Hubcaps aren’t going to increase the value of your junk car scrap, but they may be valuable to the right buyer–especially if they match or just look cool. So reclaim or resell and pad your wallet.

Oil and Filters

Scrap dealers and junkyards don’t reuse oil and gas. They drain it and dispose of it before crushing the vehicle. But that can lead to a waste of precious fuel. Oil gets dirty, but it doesn’t wear out. Draining it and bringing it to an authorized garage or recycling station can ensure it continues being used. Filters can also be washed, recycled, and reused.

Stereo Equipment

Many people pay out the ear to ensure they have a great stereo in their car, only to leave it there once they sell their junk car for cash. Stereo components can usually be easily removed and either replaced in another vehicle or sold for extra income. So why leave it behind?

Tires

Almost 300 million tires are disposed of annually in America, and many of those end up in landfills. Tires never break down completely on their own, so they act as a breeding ground for pests and various diseases. But 80% of tires can be recycled or repurposed. If your tires have decent tread, they can be sold easily to a secondhand buyer and provide some easy pocket change on your end while saving the environment.

Transmission

Check the transmissions before selling your junk cars for cash. A transmission may have enough life in to either be sold to a prospective buyer for a good price or act as a perfect solution for those looking to save a mint while rebuilding their dream car. These items won’t be saved at the scrap yard, so why not remove them and add to the value of your vehicle while getting cash on the spot for your junk car?

 

 

How to Deal with Grief after Losing a Loved One

Losing a loved one happens to many of us, but it becomes even more difficult if you lost somebody as the result of wrongful death. It is natural to feel anger after something like this happens, but unfortunately there is nothing you can do to bring your loved one back to life. You just need to learn how to deal with your grief. Here are some tips to make it happen:

1. Don’t isolate yourself after losing somebody important in your life. It might be natural for you to stay in your house and avoid people when you grieve, but in reality you will be so much better off if you spend time among family and friends who can offer you their helpful hand. Don’t be ashamed that you grieve. Grief is a natural things after losing something important and it is a matter of time before you get back to normal again.

2. Contact an attorney who can help you such as a Miami wrongful death lawyer. You can obtain a lot of useful advice from a qualified lawyer who will be able to help you to get proper compensation for your suffering. While his job is to give you advice in some cases lawyers can also turn out to be like your friends, people you can talk to and who can help you to feel better. It definitely makes sense to find a lawyer you can trust and who is friendly enough to calm your anxiety levels you might be experiencing right now.

3. If possible, get some time off from work. Work related stress can only make things worse and can make you feel exhausted even if normally you did not feel that way. Make sure that you make all the necessary arrangements so that you can come back to work when ready.

4. Find something to distract yourself with such as a new hobby. Some people turn to exercise after losing a loved one because it allows them to feel better.

3 Things You Didn’t Know About Being a Community Association Manager

When faced with a changing job market, you may want to take a look at other options for advancing your career. You have always been keen on staying up to date on the latest trends in the job market, and now that you’re faced with making a leap to another field or into entrepreneurship, it’s a good idea to take a closer look at something that has always interested you: association manager. What does a community association manager do, and is it a good career for someone looking to strike out alone? Read these three fast facts about the position to see if it is a contender for your start-up.

1. Versatile Employment Opportunities

One of the coolest things about being a community association manager is your ability to work for many different types of groups. Almost any association that deals with residential management is a potential employer. This includes:

  • Condominium associations
  • Homeowners associations
  • Master planned communities
  • Cooperatives

If you have a community association management license, you have quite a few opportunities to find work, including opening your own business that deals exclusively with resident management.

2. Challenging and Rewarding Engagements

Dealing with residents in their communities is a challenging yet rewarding experience. A community association manager serves the residents and acts as a liaison between them and the governing boards (HOA, POA, etc.). This puts a manager in a unique position of maintaining cooperation and peace through some difficult times. Therefore, to be an effective association manager, you have to be able to handle sticky situations.

3. Financial Know-How a Must

At the heart of it, a community association manager has to be able to perform specific tasks that ensure the community is kept up. Some of the most common functions a manager performs include:

  • Maintenance of the common areas (parks, ponds, pools, etc.)
  • Collection of assessments and dues regularly
  • Preparation of financial statements and budgets
  • Complaint resolution
  • Negotiation of services with vendors, developers, etc.

As a community association manager, you are going to have to be financially savvy, highly organized and able to keep up with multiple projects.

If you are thinking of setting up your own business, a community association manager would be an excellent way to cut ties with your 9:00 to 5:00. Performing these functions inside an office is not necessarily required. What is needed is a driven, organized and diligent individual who can handle finances and work towards resolving conflict and making the lives of residents better within their communities.

Signs that You Need to Declutter Your Office

Many of us work in offices and many of us are extremely busy people from the moment we set foot there in the morning until the time when we leave in the afternoon. It is no wonder then that we don’t always have the luxury to keep things organized or even dispose of those items we no longer need as simply there is no time to do that. Having said that, it is something that needs to be done, and the only person who can do it is you because only you know all the documents and other items that are with you in your office. It doesn’t have to mean that you have to keep throwing things, because often storing them in storage units near me might be an excellent idea. Here are some signs that it is time to de-clutter your office, even if it means staying overtime:

1. You have problems finding what you want. If this happens, it is best to just tidy up, because not being able to find what you want is going to waste you way more time than cleaning your office space. Not being able to find what you need is a telltale sign that something needs to be done about it.

2. Your office resembles the homes of some of the biggest hoarders you can watch on TV shows. Even if you are very organized and have everything under control, you still might need to tidy up as a small cramped offices gives a bad first impression to those who happen to visit it. Keep your things to the minimum, and whatever you use only from time to time store safely in a storage facility that is preferably located somewhere close to your office, hopefully within a short distance so that you can access it at any time you needs something from it.

How to keep your Limited Liability Company in Good Standing

If you have established your business idea into a limited liability company then you have to ensure that it remains in good standing to avoid any shutdowns. As a company secretariat, it is your responsibility to keep the business standing through entity management, sometimes also referred to as subsidiary governance.

This phenomenon of the state stepping in is known as being struck off the register. If you find yourself in such a position, your company will not be able to trade with others, sell its assets, make any sort of payments or participate in business activities. In more serious circumstances, you might even face financial penalties, a directorship ban for 15 years or be personally liable for all company debts. The business name will be sold and other companies or entities might be able to use it. Lastly, any assets of the company that have not been liquefied will be transferred to the state. In order to get them back you will have to go through a process of restoration of the company. Which may not be ideal.

Given the harsh repercussions of being struck off the register, a good standing is something you will definitely want your business to have. There are a few ways through which you can ensure this:

  1. Timely Annual Reports

All corporations much file annual reports, pay fees and tax. Some states may require this report every few years while others remain true to the ‘annual’ part of the description and require it every year. These are just forms, available online as well, in which you will fill out business details. Fulfilling this small requirement can help you achieve good standing. Thus, mark your calendars and keep reminders.

 

  1. Up to Date Information

When you establish a business, you have to report a registered agent so that you have legal status. This individual, over the years may have been replaced or chosen to leave; in such a situation, if you fail to update your information, you will be more likely to be struck off. You might want to move to something more reliable like a registering agent company instead of an individual.

 

  1. Proper Records

Observing corporate formalities, the recording of financial and corporate records, will ensure that your liability for the business remains limited. Thus, you will not be held liable personally in case a business suffers debt or lawsuits.

This entails that a company should have independent up to date financial records so that a difference between the two entities, the company and the secretariat, is made apparent. This was the business is judged on its own rather than including the assets of the directorate as well.

These are three basic steps that you can take in order to ensure that your company demonstrates stability. In the longer term, you may even be issued the certificate of good standing which will help increase trade levels, profitability and will boost overall corporate stability.

Biggest Startup Mistakes and How to Avoid Them

Let’s be honest: nobody likes to talk about mistakes, especially when they concern their own start-up. We could learn a lot from the small and big belly spots of others. We’ve been listening around in the start-up community and collected some of the most common startup pitfalls- so you don’t have to go through them.

  1. Don’t listen to your gut feeling

It sounds completely banal and yet many founders overlook this basic rule. As self-employed you have to make big and small decisions every day. Many of these decisions you can make with your knowledge in the best possible way. Then again there are certain situations in which your mind is not sufficient, for example because the outcome of a decision is completely open. “Should I hire person A or person B? Should I accept the tempting offer of a competitor? In everyday life we simply trust our gut feeling in situations with an uncertain outcome. Why? Quite simply: Because it is the sum of our life experiences. What serves us well in everyday life should not be left at home in business either. You have a very bad feeling about an applicant, even though all application documents look great? You don’t trust the big promises of a potential business partner, although you can’t explain it to yourself? Listen to your gut feeling, it will show you the way if your mind can’t! Thus when you are ready to set up your LLC for your startup, first read this review of Legalzoom vs Incfile.

  1. Blindly trust investors

Some founders seem to regard investors and business angels as generous patrons who distribute their money to the start-up community out of pure charity. Even if this is true in exceptional cases, most investors are successful businessmen who have nothing to give away. They invest their money in projects that they hope will generate growth. They secure their share of the cake through appropriate contracts and certain rights as creditors in the event of failure. Whoever works together with an investor or a business angel therefore always gives up a part of his own autonomy. There is nothing wrong with that, on the contrary: in many cases an investor can be the key to your company’s success. The important thing is not to forget: Those who open the door to investors cannot throw them out again at will. And: the more difficult your financial situation, the greater your dependence on the conditions of others.

  1. Wrong budgeting

Enthusiasm prevails in most start-ups, especially in the initial phase of a start-up. And that’s a good thing, because the pink glasses will compensate you for nights and weekends in the office, while your friends enjoy their beer or laze around the lake. But at the latest when it comes to money, it’s time to take off your pink founding glasses for a moment. Founders also have costs – and these are usually higher than newcomers suspect. Not only the rent for the office has to be paid, but also costs for technical equipment or for the services of others. One should always calculate also legal assistance with possible legal questions of dispute. In addition, you must still eat, live and dress warmly in winter. All this must be taken into account in your budget if there is not to be a rude awakening during the first year. Even if it can hurt sometimes: It is much better to work with a solid database from the beginning than to handle completely unrealistic numbers and notice it when it is already five to twelve.

  1. Misjudge your own resources

Anyone working in a large company usually has more or less clearly defined tasks to perform. As a founder, however, you suddenly not only have to fulfill your job, but are girls for everything. Many young founders tend to underestimate the multitude of activities that go along with it. From screwing the office furniture together to evening networking to sorting the bank receipts or training the first employee. If you have enough money to outsource all these activities, you can sit back and work on your own product. For all others, the rule of thumb applies: at least one third of the available working time of a founder is spent on activities that have nothing to do with the further development of one’s own idea. Calculate that accordingly!

How Can You Apply for a Medical Loan?

Medical emergencies are not avoidable and you should be ready financially no matter what. It can be a nightmare otherwise. You need to act quickly and properly in order to manage the situation. Although many people opt for medical insurance cover to mitigate such needs, there are others who are not even aware of its benefits and the peace it brings to your life in the long run. Some medical emergencies may require a hefty amount of investment to improve health conditions, which is when a medical loan may help.

If you have been wondering about the correct ways to apply for a medical loan then you are at the right space. We will share some ways to apply for a medical loan below:

There are three ways of applying for a medical loan-

  1. Online Via Website

You can apply online through the company’s existing website at any point in time.

  1. Directly Over A Call

You can apply via phone call by contacting the customer support team directly to understand the process and apply for the loan.

  1. Visiting The Centre

You can visit the centre physically to apply and get your documents verified and processed immediately.

After verification of the necessary documents, the loan gets approved to take care of the medical expenses without any hassle.

Eligibility Criteria to Apply For Medical Loan

There are certain criteria that you need to meet before applying for a medical loan.

  • Age Limit– In order to apply for a medical loan, the applicant needs to be above 23 years of age. This has been decided keeping in mind the earning capacity of an individual when he reaches this age and that he/she will be able to repay the amount in equal instalments on time.
  • Salary– The applicant needs to earn a minimum of INR 20,000 in order to get approval for the loan.
  • Permanent Job– A minimum tenure of 12 months is considered to be fit for applying for a loan. In most cases, the applicant is required to continue with the same company for a long tenure.
  • Ability to Repay– It is important to have a good CIBIL rating as it impacts the loan disbursement. If the applicant’s CIBIL score is low, then he or she might have to take a joint loan to ensure that EMIs are paid on time.

Documents Required

  • Photo ID Proof– A legit copy of ID cards like Aadhaar Card, Voter Id, Passport or Driving License has to be submitted
  • Income Proof– The applicant needs to share the bank statement of the past six months
  • Salary Slips– Last three months’ salary slips
  • Address Proof– A valid passport or electricity bill is considered

It is important to have a medical insurance cover because the world is getting costlier day-by-day and it is really becoming very difficult for an average-earning individual to afford the expenses. Once you know the required criteria, you can easily apply and enjoy the benefits that it promises.

 

 

 

 

Facing a Financial Crisis? What Items You Should Store & Take with You

Have you ever faced a financial crisis? Everyone, at some point in time, will face money problems. Whether you do not have enough money to pay the bills or you are just starting to get on your feet financially, it happens. If you find yourself in a situation where you must move from your home because of finances and you are without a home and must live with family or friends, you likely do not know what to do with all your items. So, what items should you take, throw out, and store? Let’s look.

What to Take with You When You Leave

If you must leave your home behind, it is going to be a difficult time. You may be wondering what exactly you can and cannot take with you and what you will do in a couple of months.

Before you panic too much, there are some items that you want to keep with you, no matter where you plan to go.

Always keep these items with you:

  • Kid’s toys and supplies to care for them
  • Important documents (i.e. bank records, birth certificates, SSNs, etc.)
  • Kitchen items (i.e. utensils, pots and pans, etc.)
  • Computer/laptop/hard drive

What You Can and Should Store

Of course, you do not want to take too many items with you, especially if you are sleeping on the couch at a friend’s house. Below, we will talk about some of the items that you want to store.

  • Clothing you will not need or use at the time (i.e. seasonal clothes)
  • Duplicate items
  • Outdoor furniture
  • Indoor furniture
  • Lawn equipment

What to Toss Out

You are already facing a hard-enough time as it is and now you must think about things to throw out. When it comes down to it, only toss out what you are comfortable letting go. For instance, if you have items you have never used or items that you never plan to use, don’t hold onto them.

Store what you want and only toss out what you feel you can do so without any issues.

Quick Storage Tips for You

If you do need to move in with a friend or family, setup your storage unit for easy access because you will likely be in and out of the unit often. Below are some details to determine how much storage unit space you need.

https://www.storagearea.com/blog/how-much-storage-space-do-you-need-storagearea-com-answers-all-your-questions.html

One of the ways that you can organize your unit is to mark the boxes with what is inside. This way, you can quickly identify the box you need and grab what you want from it.

Don’t Let a Financial Hardship Bring You Down

Yes, it is easier said than done, but try not to allow your financial hardship to bring you completely down. Do take time to get back on your feet and don’t be ashamed that you had to place some of your items in a storage unit. People store items all the time, so take this extra time to focus on yourself and know that your items are safe as you do work to get into a better financial spot.

 

Peer to Peer Lending 2019 Outlook

The peer to peer lending industry in the U.S. has grown dramatically since its inception less than fifteen years ago. Total loans issued by Lending Club and Prosper total over $50 billion. In 2018 alone, Lending Club issued over 500,000 loans worth over almost $10 billion. It is clear that, barring some unexpected regulations or legislation from the federal government or many state governments, this industry is firmly established and positioned to grow in the future. In this article, we will look at the outlook for peer to peer lending investing in the U.S. for 2019.

First of all, the state of the consumer lending market in general is probably the most significant indicator of the near term prospects for this investment. According to credit score provider Transunion, the consumer credit market is expected to grow in 2019. This outlook is based on the current low unemployment rate, strong consumer demand and continued low interest rates (by historical standards).  This opinion is also shared by The Kenyan Wall Street which sites low unemployment and rising personal income.

Another important factor is the competitiveness of the major peer to peer lending platforms, specifically Lending Club and Prosper. Prosper is a privately held company so there is limited information available about the company’s financial situation. However, Lending Club is publicly traded so there is plenty of information available to the public. While the company has experienced significant revenue growth, it is expected to lose money for 2018. According to CNN Business, analysts expect an increase in the share price of 35% to 175% and their consensus rating is ‘Hold’. This is very encouraging news for the stock and should give comfort to P2P loan investors as well.

The ability of peer lending platforms to compete with traditional lenders like banks is important to the prospects for the industry. As we have seen, the amount of peer to peer lending the U.S. has increased every year. Clearly, these lenders have been able to compete in the past. With no significant changes to the way any of these organizations operate, there is no reason to believe that the relative competiveness of Lending Club and Prosper will change. Therefore, continued growth should be expected.

There are two significant operating expenses to look at when comparing P2P lenders to banks. One is the overhead that banks have in terms of employees, marketing and physical locations. This adds costs to every transaction that the bank undertakes. Peer to peer lending platforms have significantly lower overhead costs which gives them a competitive advantage. On the other hand, banks likely have better techniques for evaluating the creditworthiness of borrowers. This means that they will likely have fewer defaults and therefore, higher profitability. It is hard to say what the net effect of these two factors will be, however, I am included to believe that lower overhead costs outweigh any competitive advantage that banks have with assessing borrowers.

So what is the outlook for prosper and lending club investing in 2019? Based on the factors analyzed here, it is clear that the future looks very promising for this industry as well as individual investors. Of course, every investor has a different strategy and experience so there will be success stories as well as unmet expectations. However, the overall experience should be positive as the industry continues to grow in 2019.