Posts by scol

Posted by December 14, 2020Investment Options

Is Real Estate Investment Profitable? Here Are the Answers

Have you ever thought of investing in real estate? Do you ask yourself whether the business is profitable? Then, you are in the right place. Real estate investment is profitable, but if done properly. If you make wrong decisions, like what beginners do every time, you can lose money. So, what are you supposed to do to succeed in this industry? Keep reading this guide to learn some ideas for investing in real estate.

 

Research on the Real Estate Property

Many investors make the mistake of buying a property just because it is for sale before they inspect it. Please inquire about the property to know its current market value and its location. Please don’t buy a property you do not know how it physically looks likes. It is even very disappointing to buy a property that is not in a strategic location. Consider properties located near social amenities such as sewerage, fire stations, schools, and hospitals because they always offer a good return of money.

 

Give Clear Offers

Do you want your investment to be profitable? Then, don’t be afraid to name your offer. The property is for sale, so people will always listen to every offer. If you think the property is overpriced, negotiate the price, your offer might be considered.

 

Build a Good Relationship with Real Estate Buyers and Sellers

Increase your business network because your leads might not close all your deals. Making friends with other people can help you gather information such as the best location with properties for sale and also stay updated on the current rules governing the real estate industry.

 

Consider All Existing Choices

For instance, if you have a property in mind, why don’t you buy it or lease it instead of renting it? Considering all available options can help you make an informed decision. Prioritize the most rewarding deals because they are profitable. Don’t just consider newly built properties. You can buy old properties, remodel them, to increase their value in the market. They can also offer a good return of money as you will resell them at a higher price than the one you bought.

 

Hang Out With Good Positive Minded Characters

The entire property buying process needs a lot of focus, so if you surround yourself with negative minded characters, you may not invest wisely. Work with people who notice your work and ready to join the effort with you. Such people will always share good ideas, like when to avoid a deal if there is a need. They will share their tactics that might work on your side.

 

Conclusion

As you can see, you can make money easily on real estate investment. Invest wisely, inspect the property for sale before purchase. Or else, if you fail to follow the right steps, you may lose money. For more practice information, head on over to meravbenloulou.

Posted by December 7, 2020Business, sticky

Four Tips on How To Write an Attractive Cover Letter

If you are searching for a job with no fruits, reconsider writing your cover letter in a way that captures the attention of the hiring manager. An impressive cover letter is the only thing you need to secure a job interview with potential employers and non-profit recruiters. It is thus important to pay attention even to those things that may seem small since they are the ones that may determine if you are going to get the job or not. It is quite evident that the better the cover letter, the more chances you will have to win the hiring manager’s heart. If you are looking for a way to come up with an impressive cover letter, use these tips:

 

(1) Keep It Short

Mostly, hiring managers have a heap of documents awaiting their perusal, meaning they have less than a minute to go through your cover letter. Therefore, make sure your cover letter fits into one page with words not exceeding five hundred. A multi-page cover letter gives a bad impression about yourself, and the manager may conclude you aren’t the right candidate.

 

(2) Keep it Simple and Appealing

However, smart your handwriting might be or captivating your story is; an unpleasant cover letter has zero chance of getting any attention. To make it easy to read and attractive, consider the following:

(a) Font: The process of selecting the type of font depends on your professional industry and how formal the company requires the letters to be. For example, if your industry is formal, you can go for Times New Roman, Cambria, Georgia, Garamond, and Didot. As for the casual industry, use Helvetica, Calibri, Arial, and Lato. The font size should be at 12 points or above.

(b) Margins: The margins should be between 1-1.5. If your letter is long, use a margin of one, but if short, you can use 1.5.

For uniformity, font styles, sizes, and colors should be the same for your cover letter and curriculum vitae hence giving your application a professional look.

 

(3) Write Customized Cover Letters for Each Organization

Different companies have different problems they want to resolve through the hiring process. It is thus important to address each company’s specific problems uniquely, even if you apply for the same position. Your letter should show how conversant you are with the firm’s goals and how your presence will help achieve them.

 

(4) Quantify Your Accomplishments

In the achievements section, include numbers to show the extent to which you contributed to achieving the company’s goals in your current or previous position. For instance, if you are a cost accountant, include numbers to show how you helped the company cut its operating costs. Instead of saying that during your tenure in office, the costs came down; you can say that the cost came down by 15%.

Posted by October 15, 2020Finance, sticky

Be on Look Out For These Car Insurance Scams

Believe it or not insurance scams are quite common. In 2019, more than half a million insurance cams were busted. It is easy to become a victim of car insurance scams without even noticing. Many of the most common scams are subtle so you have to be careful. Insurance scams cause insurance rates to be raised. Imagine being in a car accident and you just simply want to make a fair recovery claim. Instead, you are victimized by a scam that targets accident insurance. This can be quite frustrating. Being observant during the claims process is important. This can help you avoid being victimized by insurance scams.

Popular Insurance Scams

It is important to know the different types of car insurance scams so that you can protect yourself. As absurd as this may sound, many scammers purposely cause accidents so they can make insurance claims. It’s crucial to stay focused while driving as these persons will swerve in front of you and force your vehicle to rear-end theirs. This is known as Forced Rear-Ending Insurance Fraud. Because you are the driver behind, the accident is automatically your fault. These scammers may also complain of neck and back injuries. A dashboard camera can be helpful in situations like these. Also, drivers with the right of way in traffic may give you a chance to cut in only to intentionally run into your vehicle. This also occurs with parking spaces. You can avoid this by only proceeding when you have the right of way.

Another car insurance scam includes phantom victims. These are not real ghosts but persons who were not in the accident claiming that they were. If you are in an accident it is a good idea to take photographic evidence of the number of victims involved to avoid these fraudulent claims. There are also counterfeit and car accident repair insurance scams. Repair companies may try to scam you by claiming you need repairs that you actually do not. They may also overcharge you for replacement parts. Also, repair shops may use counterfeit replacement parts on your car. These knockoff parts may risk your safety while driving. Tow truck companies may also take advantage of accident victim. They may overcharge your insurance company for their services or charge for services they did not render. Be sure to only work with repair and tow truck companies you are familiar with to avoid these fraudulent activities.

The Frequency of Car Insurance Scams

In 2019, about 469, 000 fraudulent claims were made. This information was gathered by the Association of British Insurers (ABI). The average fraudulent claim valued £12,000. The most common scams involved motor insurance. Last year, 55,000 fraudulent motor insurance claims were detected. The majority of these include personal injury claims. Staged crashes were quite common. Insurance companies are responding to this information by creating new methods to detect scammers. It is imperative that you also take the necessary steps to protect yourself.

If you want to avoid such scams and deal with reputable insurance providers, take a look at the helpful overview of cheap car insurance from moneyexpert.com.

Posted by July 7, 2020Business, Finance

Water damage to your home as a result of a leak, what next?

A Leak Caused Water Damage? Important Steps To Follow Next

While water leaks are not the end of the world, they can cause significant damage to your home. Water leaks can lead to many problems that include mold, mildew, water stains, and wet drywall. This is why whether large or small, it is important to deal with a water leak right away. Here are some steps to take after a leak causes damage to your home.

 

Find the leak

It is important to isolate the leak. If the leak is coming from the roof, try to pinpoint where. If it is from a pipe, temporarily patch the pipe. Move all wet items away from the leak’s origin to prevent further damage. Consider calling a professional to fix the leak, especially if it is a roof leak, or if you cannot determine the leak’s location.

 

Dry out

Start getting all wet items as dry as possible. The longer the items are wet, the greater chance that mold will start to grow. A wet vac will help with carpets and furniture. A dehumidifier will pull the moisture out of the room. Make sure light fixtures are thoroughly dry before use. Removing the light fixture cover to remove any water may be a good idea. Use a moisture meter to determine the amount of moisture in the ceilings, walls, and ductwork.

 

Pictures and notes

It is important to document the entire process. Make sure to note the day and the weather conditions, especially for a roof leak. Take pictures of the leak’s place of origin. Also, take pictures of all items that were damaged due to the leak. This includes walls, floors, ceilings, as well as personal property like rugs and furniture. Contact the insurance company and provide all the necessary documentation.

 

Fix leak

Until the leak is fixed, consider leaving all items in a safe place. If it is a roof leak, try placing buckets or large containers underneath in case it rains before it can be fixed. If it is a pipe leak, call a professional to get it fixed as soon as possible. Turn off the water to prevent future leaks.

You can watch some Youtube videos to maybe get an idea on how to fix it yourself, but ultimately you need a plumber like denver water damage to come in.

Example:

Restoration

Once the leak has been fixed and everything is dry, it is time to take care of the damage. This may be as simple as replacing wallpaper, painting over some dry water stains, or replacing the carpet. Cleaning and sanitizing everything is an important step to not overlook. If there is severe water damage, a professional may be needed to fix a wooden floor or replace other structural damage. Make sure to get estimates, document the work, and report everything to the insurance company.

Posted by May 11, 2020Business, Finance, Investment Options, Trading

3 Famous Examples of Security Fraud

Security fraud has become a significant issue around this information age, especially in the investment world. Security fraud, a.k.a; investment fraud is a malicious practice that involves the misinterpretation of information for many investors to make viable decisions, in one way or another—the crime involves financial manipulation, poor advice, and more which may lead to significant losses.

Security fraud is illegal, and too often, it is risky to investors. There’s been a great article on TGDAILY recently that interviews a securities defence lawyer, it gives a great outline of the most common misconceptions and he digs into the most popular questi0ns around the topics. We highly recommend to give it a read.

Anyway, Investment fraud takes on many diversified forms. But below are the most famous ones.

  1. Accountant fraud

Over the past two decades, accountant fraud has increasingly grown where financial reports get manipulated now and then. The most kind of workers who fall into these illegal practices is usually the ones who have access to an organization’s accounts without oversight.

Accountant fraud involves embezzlements, fake suppliers, personal purchases, and many more.

Accountant fraud can directly impact the success of the company. It can lead to billions of losses if unchecked. The company, therefore, should implement internal severe accounting control and conduct random auditing on accounts receivable and accounts payable. Even better, it should employ trusted workers to check the reports regularly.

  1. Payroll fraud

Payroll fraud is an illegal act through the company’s payroll system. Payroll fraud is one of the most common investment frauds that many employees have turned their heads to-for many reasons. The effects of these employees fraud are dangerous and can even lead to business failure. According to research, about 27% of businesses affected with payroll fraud are likely to last for not less than 36 months. Payroll fraud, therefore, is a significant risk, particularly for small enterprises where control is minimal.

Some of the theft involved with payroll fraud includes paycheck theft, advance fraud, ghost employees scheme, and many more.

To avoid such a risk, the company needs to balance the sheets plus the payroll accounts three times a year. The company should also employ trusted managers who approve timesheets on time. The payroll record is a must check to ensure bank details matches.

  1. Asset misappropriation

Also referred to as insider fraud, asset misappropriation is a fraudulent practice that involves vast numbers of employees within a company. It is a case where individual employees who have access to information that the company lacks, then takes advantage of sale the corporation’s stock or securities.

Asset misappropriation is a risk if unnoticed. It includes theft of cash, robbery of services, forgery, and more.

The company should, therefore, rigorously check on new employees’ backgrounds. The company should also implement random audits, checks, and balances, and never pay commissions unless services get delivered. Better yet, change of duties of employees.

Posted by May 5, 2020Finance

When to Use a Professional Plumber over Doing It Yourself?

While there are instances when a homeowner may want to save on the plumbing costs by carrying out some DIY projects, this is not always a good idea for some repairs and maintenance. Without professional experience, a simple repair can result in big damage if done by an amateur.

Of course there are small things that you can fix yourself, just check out youtube for some quick plumbing hacks:

But there are several instances where you should consider hiring a professional plumber over a DIY project. Mostly because…

You don’t have the right equipment

If you’re not a plumber like the pros at Clearwater Plumbers, then buying some plumbing equipment will not be in your budget. A professional plumber has all the necessary equipment and gear necessary for carrying out any plumbing work. They understand which tools work for what and invest in the latest technologies to get the right plumbing equipment. Some services such as detecting a leak, repairing a sewer line, excavation, inspection, etc. require the latest technology to carry out efficiently, which only professionals can access.

Experience

Not all plumbing work can be carried out by just anybody. Some jobs are too complicated and require the expertise of a professional plumber. Attempting to do some complicated repairs yourself will end up costing more than it should have cost if you just went ahead and hired a professional. If you don’t understand the repair and maintenance work properly, you should consider hiring a professional and save time.

Plumbing codes and standards

There are some plumbing works that need to adhere to the professional codes of conduct and standards of plumbing. A homeowner with no plumbing education or experience will not know them. For instance, you might need to unclog your drainage using a harsh chemical. If something goes wrong, the chemical may end up leaking into the water drainage system. This can contaminate the entire water supply of the neighborhood, putting everyone at risk. A homeowner is not a certified plumber and does not know how the system works. Such trials and errors can endanger your life and the lives of many people.

Getting a permanent solution

Some plumbing repairs keep on recurring, and you find yourself wasting a lot of time doing one thing over and over. It is about time you call a plumber to get to the root cause of the problem and offer you a permanent solution. A professional is more attentive to the details of the problem and can diagnose troubles to prevent any more damages from occurring.

If you’re undecided on whether to hire a professional plumber or do it yourself, consider several factors and make a decision based on that. Some DIY can end up being more expensive and time-consuming than hiring a plumber. Other repairs might only take 5 minutes of fixing. The tips above will guide you on making a proper decision.

Posted by November 20, 2019Finance, Investment Options

When is it practical to take out a bank loan?

If you have been considering taking out a bank loan for a holiday, to pay debt, to renovate your home or to pay for upcoming personal expenses, here are a few things to consider about the practicality of taking out a bank loan.

 

Debt consolidation — One of the main reasons financial consultants will recommend taking out a bank loan is if you want to consolidate debts.

Many people have personal debts of credit card balances, store credit balances and even balances on cards issued for the sole purpose of buying clothing, electronics and entertainment products online. Many of these cards come with interest rates of over 20 percent.

Take out a bank loan or credit, however, and consolidate all of these debts into one loan and one payment. As many loans will have an interest of well under 8 percent, you can cut a huge amount out of the money you would have to repay if you kept the original debts.

 

Your debt is not out of control — If all of your debts consolidated into one payment are still manageable, then financial consultants recommend taking out a bank loan.

If your debts are so enormous, however, that there is little likelihood of paying them off even with a bank loan, it is not recommended you take out a loan. Especially as, by doing so, you could just end up damaging your credit rating even more if you are not able to pay off the loan.

 

You have a solid plan enabling you to pay off the loan — Only ever take out a bank loan if you have a solid plan to pay it off.

This means the money you currently earn is more than sufficient to pay monthly loan payments. It also means you have extra money in reserves in case you have problems paying off the loan.

If you do not have a firm plan that will easily enable you to pay off a bank loan, avoid taking one out. In many cases, if you do, you will just find yourself in even more financial difficulties.

 

Can you get low interest rates? — In order to make taking out a bank loan worthwhile, you will have to have a high enough credit rating to be able to get low interest rates.

If you take out a bank loan and the interest rate is as high as credit cards you currently have, there is no point taking on additional debt. Especially as you will have to repay it at exorbitant interest rates.

Calculate how much you would have to pay each month with both the credit cards you currently have and a bank loan. Only apply for a bank loan if the repayment every month would be less.

Posted by September 30, 2019Business

Tips for finding a criminal lawyer in Australia

Hiring a criminal attorney in Australia can be truly challenging and it is important to gather the right attorney to represent you in a criminal matter. Considerations of the firm or attorney that you choose, their experience, and the current status of the case are needed in order to get the proper representation. Here are some basic tips to attract the right assistance to do so effectively.

Begin with the Criminal Matter and Problem that You Have

Different criminal matters will require different levels of assistance from criminal lawyers Sydney. You are not going to address a charge of murder in the same manner in which you are going to address a routine violation like driving while intoxicated. Consider the violation and potential penalties associated with the criminal matter in which you are connected to and try to find a lawyer who specializes in the criminal matter that you are facing. Make sure that the individual lawyer and firm who will be directly representing you are knowledgeable not only about the criminal matter that you are being charged with but also the jurisdiction in Australia that you are going to have your case and fate determined in.

Make sure that the Attorney Has Sufficient Resources Available to them

If your criminal problem is significant in size and scope than you should make sure that the attorney will have sufficient resources to handle the specifics associated with the case in question. This may include multiple attorneys to perform research and to obtain depositions from witnesses if needed, as well as to gather the case history to support your side of the case. Many attorneys are skilled in trial law and representation but are not so good at the back-end research needed to build a case. Established law firms with access to a team to help and support them can assist in preparing a full case that can aide you with your criminal matter more efficiently. In addition, make sure that the attorney and firm that you choose has sufficient bandwidth to service your case as well, as some firms and attorneys in Australia are overloaded with work and cannot devote the proper resources to an individual case.

Garbage in and Garbage Out

How well your attorney is able to service your case will depend on you and the information that you provide them with Find an attorney who you can confide in and be open with. Don’t choose one who you are afraid to be honest with and provide a full picture of the situation to, even if you are guilty. There is a good reason why there is a client and attorney privilege and it is so that you can obtain the proper representation for your criminal matter. Avoid feeding the attorney with lies and misdirection and work with them so that you can obtain the best possible representation for your criminal case.

Posted by September 9, 2019Finance

Personal Loans, a Help or a Hindrance?

You can get a personal loan for any reason. It is important you separate the needs from the wants. Does the reason you are getting a personal loan warrant you taking on additional debt? Only you can answer this question.

Every person has a different reason for getting a personal loan and all reasons are important to that person. However, you must stop and reconsider what your loan money is going to buy. Personal loans definitely should be used on things that will improve your lifestyle and reach into the future. You want a personal loan so the money can work for you. In other words, you get a personal loan to make money. Maybe an offer came to you that promises to use your money to make more money.

Making Smart Financial Decisions and Your Number One Reason to Get a Personal Loan-Consolidation

List all of your debts and consider those debts that once paid off they are forever gone, such as, credit card balances, medical bills, vacations, costly appliances, home repairs like a new roof, and more. Getting a loan to consolidate debt at a lower rate of interest is the number one reason to obtain a personal loan. Never make the mistake of getting into debt due to spur of the moment purchases.

Instead of putting a bit of money on each account, a personal loan to pays off most of your debt. Instead of paying on ten different accounts, you have one account to pay on which is your loan. Bill consolidation is the number one reason for obtaining a personal loan.

Reason Number One Reason to Get a Personal Loan

You own a seasoned and profitable company and you need a personal loan so you can expand your business. This reason means that by using your loan you are going to make more money shortly. Maybe you have plans to start up a business and need the extra money to get your business started.

Number Three Reason to Get a Personal Loan

Are you looking to sell your home and you know that updates on your home will increase the home’s value? You want to improve the outside and inside of your home. Thus, when you do sell your house you add increased curb appeal. You get more money out of your home because you used the loan to increase something of value. Home updates also increase the chances of you selling your home quicker.

Number Three Reason to Get a Personal Loan

You already know that to increase your education increases your chances of getting a better job, nicer benefits, and more money. A personal loan used for educational purposes has many benefits. However, spending your loan on education is no guarantee that you can use your college credits or degree towards finding that perfect job.

Always ask yourself, “Is what I want my personal loan for an urgent expense?”

Posted by April 30, 2019Business

Marketing Your Business With Stickers Has Never Been Easier

Stand Out From the Crowd

You may not have realized it, but business stickers help you stand out from the crowd. Lots of entrepreneurs or solely dependent on the Internet to catapult their business. Stickers, however, are promotional even if your potential customers cannot get online. In fact, you can give away stickers as promotional products with other things. Customer love free stuff, and the entrepreneur loves any opportunity to introduce their business to new customers. This is a two-way street where both parents get the opportunity to gain something.

Business leaders need an opportunity to stand out from the crowd. A new business leader cannot afford to do what everyone else is doing. These leaders should realize that their impact is felt much more when the images on a sticker are printed and displayed on some object that a potential consumer owns. If the sticker is in place on the refrigerator the customer has to view it every time that they open up the refrigerator. The competition may only have the attention of the customer if the customer makes a conscious decision to go to the website. If you are lucky enough to have a business in the home, however, you become the business owner that has a constant reminder of your business on the refrigerator of a potential customer.

Printing is More Cost-Effective

If you had to compare stickers for your business along with other things like television ads you are instantly going to see that you get more bang for your buck with customized stickers that you have printed. A television ad or a radio advertisement can cost a fortune. You can spread the word about your business for a whole lot less with customized stickers from Canada sticker printing, and this will reach many consumers that don’t watch TV or listen to the radio.

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