Monthly Archives: March 2018

How Your Home Can Help You Get Emergency Cash

Couples outside home for rentYou don’t need to look elsewhere when looking for a way to get extra cash. Sometimes the answer is just at home. Sometimes the answer is the home itself.

Not sure how your home can help when you have a financial problem? Consider these options:

Use the Title to Get a Loan

The title of your house is an important document that testifies to your ownership of the property. It’s usually kept in a safe location inside the house or a family safe. Did you know that in Provo, Utah Money Center‘s title loans can help you pay for emergency expenses without requiring anything else but the title? Once you’ve paid back the loan, you’ll get the title back. It’s just like you’re keeping the title in a different location while you get the money.

Rent Out a Spare Room

Not everyone can afford to have their own home. That means there are people who are looking for cheap accommodation options, whether for the long-term or short-term. If you’ve got an unused room in the house, you can offer it for rent for transients or individuals looking for a place to stay. If you don’t want a long-term commitment, you can also put up the room for rent through Airbnb.

Declutter and Sell

This one involves things that are inside the house, specifically those that are taking up space but you are not using anymore. If you’ve got extra furniture or appliances lying around and you want to redecorate anyway, they can be sold at flea markets or garage sales. Market your unique items right, and they could fetch a good price on eBay. Even Instagram can be a good place to sell second-hand furniture. Use the best photos of your items to make them look more enticing.

Your home holds plenty of treasures. It’s up to you to use them wisely.

Collage of people wearing glasses

Answer These Questions to Find the Best Pair of Glasses

Collage of people wearing glassesA whopping 69% of people in the U.K. wear glasses. A large proportion from that percentage are not clued up on what style of glasses would best suit them. Admittedly it can be a confusing task, as there are so many shapes, designs, and colours to choose from.
However, by answering a few questions, you can easily find out what style of glasses would suit you best. Here are a few questions that you can answer to select the best pair of frames:

What is a trustworthy brand?

Usually, buying from top eyewear brands is the best option for many people. It not only gives you a variety of choices, but it matters in longevity as well. Purchasing your glasses from a reputable supplier promises that you get great designs and superior quality, with the longevity factor.

What is your face shape?

Knowing your face shape is a crucial part of getting the right pair of glasses. It helps narrow down what kind you should or shouldn’t get. For example, a round face shape would suit square-shaped glasses. It will balance off their rounder features and give the appearance of a slimmer and sharper face.

A square face shape, on the other hand, should go well with a rounder pair of glasses. That way, it contrasts and softens the angles of the face.

What colour do you prefer?

You could choose a colour based on what your favourite is, or what would most likely match most of your wardrobe. If not, you can choose based on your personality. If you were to wear a bolder colour such as a bright red, that means you want to set trends and aren’t scared to show off your style.

A good tip is to decide based on your skin colour as well. People with darker skin tones would look great in a lighter colour. People with a paler skin colour look great in darker shades, such as the classic black.

Just by answering these three simple questions, should assist you with your decision. Soon enough, you will be wearing frames that suit your personality and style while accentuating your features.

Tax graphs on a computer

1031 Exchange: Explained and Answered for the Everyday Property Owner

Tax graphs on a computerLawyers and accountants may have tried to explain the 1031 exchange in simpler words, but understanding what 1031 exchange is, with all the legal and accounting jargon, can be confusing to the everyday business owner.

So, here are some of the basic questions about the 1031 exchange answered to make your future investments more understandable.

What is the 1031 Exchange?

When you sell your property, the Internal Revenue Service (IRS) takes a chunk of the profit as “capital gains tax,” which may be a problem if you were planning to use that profit to buy another property. According to, property investors should never have to pay for taxes if they plan to reinvest that income immediately in a similar type of property.

This is where the 1031 exchange comes in. In its simplest form, it means that if you sell your property and purchase another “like-kind” property, you do not have to pay taxes.

What does “like-kind” mean?

“Like-kind” properties mean that the property you are selling and the property you are buying must be of the same nature, character, or class. The quality or grade doesn’t matter.

Words like “character” and “quality” may sound alike, but there’s a difference, according to the IRS. For example, you can trade a run-down apartment building for a brand new home you plan to rent out, which has equal value to the building you sold.

How Do I Find the Right Property?

If you don’t have a property to purchase after selling your old property, you need a middleman called “qualified intermediary” or “exchange partner.” This is an independent third party who holds the money made from selling your old property. You can’t touch that money, but you have 45 days to find a property to buy and then another 180 days to make the purchase.

It is recommended that you find the property you want to purchase before selling your property, but sometimes this is not possible due to time restraints. Some exchange partners offer replacement property search assistance to help you find the property you need.

Can I Sell My Residential Property?

Unfortunately, you cannot use the 1031 exchange for personal purposes. There are some loopholes regarding vacation homes you once used and now rent, but there are strict guidelines to prevent abusing the 1031 exchange. For trickier properties like this, it is best to have a CPA Attorney with you.

The 1031 exchange may sound daunting, but it’s an important strategy for property owners and investors looking to diversify their portfolio or earn passive income. To be prepared, however, it is best to have a lawyer during this exchange. This is a smart decision if you want to sell your property in exchange for another.

Gavel and legal documents

Tips for Getting Through Divorce

Gavel and legal documentsDivorce can be difficult for everyone involved. The legal and administrative processes take place alongside emotional ones and this can make it tricky to see things in a clear and practical way. This is why it is often prudent to involve a professional, impartial party to help sort things out.

Choosing good family solicitors in Portsmouth, like Andrew & Andrew, can help the whole process progress more smoothly. The right firm will have a team that is skilled at communication and digging out the important details from what can seem like a cloud of emotions and information.

There are some strategies to bear in mind when going through divorce. Family solicitors in Portsmouth can help with these:

  • Don’t hide anything – it may be tempting for someone to conceal assets or savings. If discovered, it can reflect badly on the client if the case goes to court;
  • Don’t try to have everything – divorce is a process of compromise and adherence to legal guidelines. It is better if a dispute during separation does not need to go to court but, if it does, the solicitor will be able to make a case for anything their client may be entitled to;
  • Don’t try to give everything away – if there are issues that someone feels guilty about then it can be tempting to give up all rights in order to make reparation. However, this doesn’t heal emotional troubles and can leave one party severely disadvantaged;
  • Do prioritise children’s need – the welfare of any children involved needs to be the central consideration when it comes to divorce. Their upkeep, living arrangements and access to each parent needs to be addressed;
  • Do dig out any records of agreements or purchases – if there is any debate, evidence is very helpful. If it comes down to one party’s word against another, it may not be clear how a judge will rule;

Do talk to family solicitors in Portsmouth – solicitors are familiar with the nuances of divorce. They can help clients get the results they want. The more detail they have, the more likely it is that they will be able to build a strong case.

IT security guy

NCSC Expects Major Cybersecurity Attack in the UK the Next 2 Years

IT security guyThe UK needs to be prepared for a major cybersecurity attack that could happen in the next two years, according to National Cyber Security Centre head Ciaran Martin.

Otherwise called a category one (C1) attack, Martin said that the country has been able to avoid such threats in the last 15 months due to pure luck.

Risk management

While it may not be entirely possible to prevent cyber-attacks, a company should be able to “cauterise the damage,” according to Martin. So far, the most prominent cyber-attack to hit the UK happened in May 2017, when the WannaCry virus affected many National Health Services facilities in the country.

This ransomware attack only constituted a C2 level type. On the other hand, a C1 level attack would seriously affect critical infrastructure and put human lives at risk. If these are not enough reasons, then paying a steep penalty for not having cybersecurity initiatives could compel businesses to begin adopting more stringent measures.

Steep fines

The British government plans to impose up to £17 million of fines to companies for non-compliance with a new cybersecurity rule. The regulation will take effect on May 10 and will require industries to be prepared against online threats, particularly those that work in the energy, healthcare, transportation and water industries. Former Digital Minister Matt Hancock said that the fines would be a last-ditch effort to expand the practice of cybersecurity among different sectors.

This means you should already have updated protocols for security, including contingency plans for an efficient HR management system. Modules for human resource management software systems are necessary particularly for employees that handle sensitive information.

As early as now, companies must be ready to protect their digital infrastructure and confidential information or risk paying a high price in the future. What is your strategy against cyber-attacks?

Friends toasting in a restaurant

Remember These Points Before Opening a Second Location for Your Restaurant

Friends toasting in a restaurantIf you’re currently running a restaurant business, expanding it or opening a second location might have already crossed your mind. Before jumping into this prospect, however, you have to consider a few things:

A good business plan

If your first restaurant business is successful, pick out the good points and apply them to the business plan of your proposed second restaurant. Just make sure to do a lot of research because your new location might affect your customer’s needs.

The financial factor

Money plays a big role in business expansion, so consider restaurant funding to easily cover all the expenses required and proceed with your plan without delays, advises ARF Financial. The business loan can also help keep your finances at bay because it prevents you from interfering with the money that should address your personal expenses.

Exceptional training

Your current staff plays a major role in the success of your first restaurant, so make sure that your second location also boasts of outstanding employees. And because expectations are high for your new location, ask one of your seasoned chefs to give pointers to your new hires. You can also tap your current manager to help you screen applicants so you can pick the person that possesses the needed skills.

Work-life balance

It doesn’t make sense if you’re spending less time with your loved ones and neglecting other aspects of your life because you’re too busy with two restaurants. In short, you can’t open a second location at the expense of your family or personal life. But you can turn this around by learning to adjust your schedule so you can still have time for other things outside your business.

Stay consistent

Finally, everything must be consistent, especially when it comes to the food. The taste, the aroma, the texture and even the plating should be served daily with the same quality that has put your restaurant on the map of success.

Business women shaking hands

The Key to Success: Growing Your Retail Business Phenomenally

Business women shaking handsThe world is full of stories about small brands that grew into a global success. Many of them started from relatively local humble beginnings before their explosive growth and success. Such stories make an interesting read and you’re likely to spend your time reading their history and path to success.

Many of these extraordinary entrepreneurs are generous enough with sharing how their business skyrocketed to fame. Here are some of the advice they shared:

Refine your operations

You need to pursue and actively cut out the dead weight, which is the inefficiency in all your business operations. Failing to do so will only make you bleed too much of your collected revenues. Take a thorough look at all the aspects of your process and make a note on all areas in need of improvement.

It might be poor customer service, inventory, purchasing, or warehousing. By identifying these shortcomings, you can work on creating a solution. Thanks to modern technology, these solutions don’t have to cost you a fortune. Enrolling in one of the most relevant online retail courses, for instance, can help you solve such problems without taking a leave of absence.

Keep your expenses down

Prime retail space comes at a premium cost, and the temptation to pursue such spaces might be overwhelming. While the exposure is good for your business, you should only make such a move when your cash flow allows. Otherwise, make the most of emerging technology in the meantime to expand your business without the pricey overheads.

Establishing an e-commerce page bears the same advantage of opening a new store, but with less overhead. Once a customer places an order, you process and ship the items to them. It results in a win-win situation. It saves the customer a trip to the store while letting you make the sale without incurring expenses in rent.

Growing a small retail business might seem like an uphill task. While it’s no walk in the park, the success comes from continually eliminating the small issues that induce great losses.

Common Mistakes People Commit When Buying Office Chairs

Interior design of an officeThere are so many things to consider when you order office chairs on the web from sites such as Online Office Furniture. The best office chairs shouldn’t be hard to come by, although there are certain mistakes that you have to avoid when choosing the best one for your workstation.

Take a look at some of the most common mistakes and see if they apply to you.

Wrong fabric

One of the most crucial factors you need to consider is the fabric. It has an effect on maintenance and cleaning. These pieces of furniture are often exposed to dirt and stains.

Vinyl is the most popular choice because its fabric doesn’t stain easily. However, most companies that have a large budget often choose leather since it’s easy to clean, and liquid doesn’t seep into it.

Wrong color choice

You can never go wrong with a black chair, especially in the office. But, there are times when you just want to see a pop of color to give your office a more modern look. Furthermore, white and brown chairs look stylish and classic, but they might seem boring at times.

As such, choosing bright colors, such as red, can add a little flair to your office aesthetics. Consider how you want your office to look.

Not testing the chair

The office chair may look great and looks like an interesting addition to your office. However, it won’t do you any good if it’s damaged or doesn’t work that well. It’s better to try the product first to see if it’s comfortable enough to sit in for a few hours a day and if it’s free from any damages or defects.

There’s more to an office chair than just being a piece of furniture. That’s why it’s important to choose the best one for your office needs. These mistakes are something that you have to keep an eye on.

5 Reasons to Tint Your Car Windows

car window tintedInstalling window tint will definitely make your car look stunning. However, window tinting in Mesa, AZ is as much a necessity as it is a luxury, as it offers many benefits beyond style. They can help preserve the interior of your car, provide privacy, even prevent skin cancer, and more. Here are more benefits of window tinting your car:

1. Reduces Glare from Sunlight and Headlights

Driving while the sun is up or when other cars have their headlights on at night can cause discomfort and strain on your eyes. Tints can help decrease the glare caused by the sun or bright headlights at night, hence giving you a better driving experience.

2. Saves Upholstery From Fading

As a car owner, you know that cars don’t come cheap. That’s why you do everything you can to make sure that it lasts for a long time. However, regular engine tune-up and exterior cleaning are not enough. You also need to take care of the interior of your car. Your car’s upholstery can fade out prematurely if you leave it unprotected from the harsh rays of the sun. Professionally installed window tints can help prevent this from happening.

3. Provides Privacy And Security

This is probably one of the most common reasons people have their cars tinted. Window tints can help give you a sense of peace of mind knowing that prying eyes cannot look inside your car. Window Tints come in different shades. The darker the shade, the more privacy it provides you. However, driving at night can become a challenge.

4. Blocks Harmful UV Rays

Your upholstery is not the only thing sunlight can damage. It can also burn your skin and cause premature skin aging. In extreme cases, it may even cause skin cancer. A good quality car window tint can help block up to 99 percent of the sun’s harmful UV rays so you won’t have to worry about skin disease.

5. Prevents Glass From Shattering

Another benefit you get from having tinted car windows is their ability to prevent glass from shattering. When an accident happens and the glass breaks, the film on your window or windshield will hold the shards together, preventing them from flying toward people.

Installing window tints is a great way to protect your car. Reap these benefits and have your tinted windows installed by the pros.

Helping Kids Keep Their Teeth Healthy and Clean at All Times

a girl at a dentistA warm, heartfelt smile on a child’s face is enough to melt our hearts. It’s a small yet reassuring act that makes parenthood worth all the pain and heartache. 

But what if they grow up not wanting to smile at all because of their teeth? Keeping a child's pearly whites clean prove to be an uphill battle. There are parents who find it difficult to make their little ones brush their teeth properly, let alone twice in a day. 

If you're grappling with such problems, and other reliable kids dentist have a few words of advice:

Start early, right when they are small

Start cleaning your baby’s gums as soon as they're born. Do it with a wet soft cloth after each meal and before bedtime. It might seem like an overkill, but such measures remove bacteria and the sticky plaque that forms after meals.

Once a baby tooth starts showing, shift to a toddler’s toothbrush but hold off on the toothpaste. Ideally, you should introduce a tiny amount of toothpaste as your little one grows more teeth. Clean their teeth until they're old enough to do it by themselves.

Make it fun and engaging

Naturally, you will face resistance when it's time to brush your children's teeth. Instead of getting all stern and scary, mellow down and draw them in. You stand a better chance of success if you make the exercise fun and engaging. Make it a family affair where everyone brushes at the same time. Play a game and sing silly songs that your kids enjoy and look forward to singing. Have them practice tooth brushing with their toys and stuffed animals.

Getting your children to adopt regular teeth cleaning routine can be a huge pain for a parent. However, you stand a great chance of success if you can turn it into a fun and enjoyable activity.