Author Archives: Guest Author

Should You Hire a Virtual Assistant for your Business?

Should You Hire a Virtual Assistant for your Business?

Being a business owner is a stressful occupation, as any entrepreneur will be happy to mention. There is a lot of work involved in operating and maintaining a small business, and more often than not there isn’t enough time in the day to be able to get everything done just they way you would want it. In the past, what you would do in this situation would be to hire a secretary to come work in your office part time, but what if you don’t have an office? The rules for business are changing, and as a result the tools that we use are changing as well. Most internet based companies don’t have a full office, at least when they are starting up, and so they need to turn to other avenues to hire the employees they need.

Virtual Assistants can work from anywhere

This is where virtual assistants come in. A virtual assistant is essentially a secretary that works from a home office, although they can handle a lot more than simple clerical tasks these days, that’s for sure. Virtual assistants typically have all of their equipment already at home and set up, and are usually already trained for the normal business tasks that you might ask them to complete. Because of this, it makes a lot of sense to hire a virtual assistant because you can save a lot of money in the process.

Virtual Assistants work on Contract Basis

In addition to the equipment and training that you don’t need, virtual assistants work on a contract basis, which means that you do not need to provide benefits. Medical and dental insurance, vacation time, and sick leave all take a huge chunk out of a typical business’s bottom line. With a virtual assistant, all of that is a non issue because you are not legally obligated to provide those types of benefits. Virtual assistants understand this completely, and in fact many prefer it that way because it allows them to maintain their freedom as a freelance professional. It works out so that both parties get what they want.

Why You want to hire a VA

Chances are you have probably thought about hiring a virtual assistant for your business in the past, but something held you back from doing so. What was it that kept you from making that final leap? Was it a budgetary concern that made you decide not to get a virtual assistant? Was it just that you felt like you could do everything better yourself, and therefore didn’t want to waste time and money on an investment that you felt might not pay out in the end? These are all very valid concerns, and in fact a lot of business owners fell the same way.

VA The best Investment

The truth is that virtual assistants are one of the best investments any business can make. They are hard working an professional, and usually the cost of hiring a VA is offset by the money you save in both time and energy by delegating certain tasks to him or her instead of handling them yourself. 

Evelyn Roger  has over 10 years of corporate office experience as a program manager, Virtual Personal Assistant and secretarial support. Evelyn’s extensive experience as a project-based researcher and writer, with strong search techniques and social media skills marks her as an extraordinary VA. To meet Evelyn and her team of Virtual Personal Assistants, please visit her website.

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A Guide On Buying Retail Hangers

Deciding on the appropriate hangers for your retail store can be a more challenging process than you may think. Because the retail industry is now very competitive and the hangers you choose can convey a lot about your store, it is very important to choose the right hangers, particularly since brand and business image are increasingly more important. When you are choosing hangers for your retail shop, you should consider the various types of hangers available, how they fit with your brand and business image, and how they will assist customers. You want to make sure you make a good impression on your customers.

Wooden

Wooden hangers are a popular and frequently chosen type of hanger. There are many benefits to using wooden hangers. They keep clothing properly spaced, convey a high quality impression, and can last for many years due to their durability. In addition, they are the heavier of the other types of hangers and are less likely to fall to the floor while being used to hang clothing. Wooden hangers are beneficial for delicate fabrics because it is gentle and smooth on delicate material. This means items will be less prone to damage. They are available in a range of colors and woods and you can them in forms as contemporary, classic, slim, heavy-weight, and more. Wooden hangers definitely add charm to a store.

Plastic

Plastic hangers are another popular hanger choice for retail. They are a cost-efficient choice if you have a large store with hundreds or thousands of garments. There are a number of factors to consider when selecting plastic hangers. With heavy garments such as winter coats, you will need a strong acrylic or plastic hanger. Quality of the hanger is important when choosing hangers for a specific purpose. It is better to get a quality plastic rather than a cheap flimsy plastic that can break apart easily.

Satin

Satin hangers are often chosen for delicate fabrics such as lace and silk. The satin helps to prevent damage to the fabric.  Lingerie is often hung on satin hangers. Consumers will often choose to pay a bit more for clothing that are hung on satin hangers. It makes clothing look even more appealing and it emphasizes high quality. Positive presentation is a key selling point in the retail industry.

Quality garment hangers are used for any and all types of home businesses and retailers. You can find top hangers of many types on retail supply store websites that includes heavy-weight dress hangers, wood hangers for available in walnut, natural wood, and teak. As well, you can get hanger accessories such as stock hanger stackers and foam hanger covers. When you shop on an online retail supplier site, you will benefit from an easy and convenient way to find the exact hangers you need for your retail store. As well, the prices tend to be lower than traditional retail supplier shops because they do not have the overhead costs. Today, because the hangers you choose can say a lot about your store and the retail industry is very competitive, it is important to choose the right hangers that fit your needs and overall store’s impression. 

This article was written by WR Display, a Canadian suppliers of hangers, displays, and other retail supplies.

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Top Four Renting Tips for the First-Time Renter

First-Time Renting Tips

Renting an apartment for the first time is an exciting experience as this transition typically ushers in a new life of independence, responsibility and true adulthood. Whether a renter is just moving out of his parents’ house or he has never rented before, first time renters should follow several tips to ensure the end result is a happy and warm home.

Rental Tip #1 – Be Financially Ready

First time renters may not be aware that the first month of living in an apartment is by far the most expensive. Along with the standard rent, a typical apartment requires the following: first month’s rent, last month’s rent and a security deposit. This means, a $600 apartment would require $1,200 plus the security deposit before he can move in. When searching for an apartment, make sure to call the landlord to determine the financial requirements of signing the lease.

Rental Tip #2 – Stay Within Budget

Although the market price for apartments vary according to the city and neighborhood, it is important to never sign a lease that is more than 1/3 of total gross income. This means if a renter makes $3,000 per month he should never pay more than $1,000 per month on rent. It is important to also take into account monthly utilities. Ask the landlord what utilities, if any, are covered in rent and what the average utilities are for summer, fall, winter and spring months. Take note, living in a gas-heated apartment is typically more expensive than an all-electric apartment. Do not make the mistake of signing a lease that consumes most of a monthly budget.

Rental Tip #3 – Complex or Private Property?

Renters have their choice of living in an apartment complex or renting directly from a private landlord. Each living space has benefits and drawbacks; however, first time renters may not be aware of these differences. One of the primary benefits of living in a complex is the property is managed by professionals who strive to ensure all repairs are done promptly and residents experience a safe and comfortable living environment. Complexes also offer amenities such as fitness centers, swimming pools and business centers. However, complex apartment floorplans typically follow similar patterns, which result in a cookie-cutter appearance especially among the more cost-effective apartments.

Private properties such as single family homes, duplexes or basement apartments typically do not offer complex-type amenities like fitness centers, swimming pools or a dedicated repair staff; however, these apartments may provide a more unique floorplan highlighted by character and charm.

First time renters should look at a variety of apartment types including complex and private property units to determine what type fits his needs best.

Rental Tip #4 – Understanding Lease Agreements

Whether a renter finds a complex apartment or a private property, he will be required to sign a lease agreement. First time renters should have the lease agreement fully explained by the property manager or landlord, and he should ask as many questions as necessary. Fully understanding the lease agreement is the tenants’ responsibility, and the agreement should never be signed until the renter understands each clause within the lease.

Visit the California Apartments Blog to get more apartment living and renting tips as well as new apartment reviews including these luxury San Diego apartment listings and these Fullerton, CA apartments for rent.

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Weigh the Advantages of Mortgage Protection Insurance in Your Budget

For some hard-working families, Mortgage Protection Insurance represents the best way to protect their investment in a home.

Sorting-out the alphabeticals

You may experience some difficulty distinguishing “PMI” from “MPI,” especially because the “M” always stands for “mortgage,” and the “I” always stands for “insurance.” Therefore, “P” plus the letters’ sequence make a huge difference, because PMI and MPI serve radically different purposes: PMI protects your lender against your default. MPI protects you against losing your home.

“PMI” signifies “Private Mortgage Insurance,” and the law requires you carry PMI if you put less than 20 percent down on your home. In the mortgage industry, the conventional wisdom says that PMI encourages lenders to offer mortgages for first-time home buyers who have less cash and respectable credit. Since the housing “bubble” burst and major lenders raised their mortgage qualifying standards, mortgages with high loan-to-value ratios have grown increasingly rare, so that insuring your mortgage against default no longer seems a big issue. As soon as you reach 20 percent equity in your home, you may cancel your Private Mortgage Insurance; in fact, your lender now has a legal obligation to notify you when you become eligible for PMI cancellation. In some cases, eliminating PMI premiums saves homeowners more than $1000 every year, but cancellation does also eliminate a nice tax deduction.

“MPI,” on the other hand, stands for “Mortgage Protection Insurance,” and it belongs to the larger family of life insurance products. Your lender cannot require Mortgage Protection Insurance; and, unlike Private Mortgage Insurance, you cannot claim it as a tax deduction. Mortgage Protection Insurance guarantees that, if you die or suffer permanent disability, the insurance company will remit a check directly to your mortgage-holder, paying-off your mortgage and giving you title to your home. In simpler terms, MPI guarantees your family can keep your home no matter what happens to you. You must understand, however, MPI does nothing but guarantee your home loan; your family receives no other cash or compensation.

Mortgage Protection Insurance on its merits

Mortgage Protection Insurance may have an important place in your Family Frugality Plan. If it effectively complements other benefits and will cost less than whole-life coverage, then MPI warrants serious consideration. Because most MPI plans work on a “guaranteed acceptance” basis, you may qualify for Mortgage Protection Insurance when you do not qualify for or would have to pay extortionate prices for more conventional coverage because you have serious health issues or work in a high-risk occupation. For most families, MPI either will be redundant, or it will offer no significant advantage, because your house payments are low enough your family will gain more benefit from standard life insurance pay-outs. Still, you must consider…

MPI may complement other death benefits. Above and beyond the standard Social Security death benefit, you may have other death benefits attached to your retirement or pension plan, or you may carry a low-cost term life insurance policy to cover your final expenses. If you current coverage will pay-off all your debts except your mortgage, then MPI may work for you.

MPI may replace other life insurance coverage. In general, traditional life insurance that accrues cash value represents a solid, stable investment, but your insurance company determines your premiums according to your life expectancy, medical history, occupation, and sometimes your credit history. If you seem a high-risk candidate for traditional life insurance and, therefore, will have to pay extremely high premiums, MPI represent the guaranteed low-cost alternative.

MPI may provide for your family’s peace-of-mind. If you have little or no family and your spouse never has worked outside the home, you may worry that your family cannot keep a roof over their heads after your passing. Moreover, you may have substantial equity in your home, and the payments may be extremely low, so that your family will benefit substantially from keeping the house. Under those circumstances, MPI makes sense for you.

MPI protects your greatest asset. If you built your own home, or if your home has played a prominent role in the family’s history, you have a vested interest in keeping it in the family. MPI, then, guarantees title to the house will pass to your heirs.

Before you consider any insurance purchase, your Family Frugality Plan should focus on savings and investments. Build a $1000 liquid emergency account, and contribute to a Certificate of Deposit that ultimately will contain the equivalent of six months’ salary. With those safeguards in place, you may consider how to protect your home and other major assets.

Andrew Greene is a freelance financial writer who blogs for ppiclaims.org.uk where you can get help with ppi claims.

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MegaUpload Saga To Go On

Nothing in the world of online filesharing is ever going to be as straight forward as some U.S. regulators might want it to be. The recent developments in the U.S. District case against MegaUpload and its founder Kim DotCom prove that might indeed not be the case.

For one thing, the whole business is not only about the position of the German internet mogul against the U.S. Government interests. One talks here about the interests of six major Hollywood studios (the unpopular “baddies” of this unscripted court drama) who claim to have been robbed of millions of dollars they would have otherwise been bound to make from copyrighted material, but also about the interests of the Carpathia Hosting Company on whose servers a huge amount of Megaupload files are still kept.

Judge Liam O’Grady has proven sympathetic towards the plight of Carpathia Hosting who for the time being is mantaining MegaUpload’s servers at its own expense. The government’s lawyers however argued that Carpathia is not that innocent since they made about $35 million from their association with MegaUpload.

Real “innocence” actually comes in question when speaking about millions of users who have uploaded their sometimes crucial data to MegaUpload and would really not deserve to have it destroyed so that so called “justice” to be seen as having been done. This is what Judge O’Grady actually seems to have understood and that is why he invited all parts to find a solution to help the preservation of users’ content that doesn’t infringe on any copyright laws.

Easier said than done, as the sheer volume of data defies any human capacity of proper screening. If a special body of IT specialists were to be set up to rise up to the task, one would still have to consider the costs incurred on, well basically the U.S. taxpayers. It is a real Gordian Knot that as much as the government would like to cut does not seem to want to disappear so easily from the public space.
Now, where does that leave the average internet user who, after all is said and done does not stand to make, or lose, millions of dollars? In other parts of the world, like Sweden for instance, the people behind The Pirate Bay have chosen to politicize their fight, set up a party and won seats in the general elections.

What could happen in America? For the time being nobody knows, but as good stories always tend to leave the court room and end up as HBO drama series or Hollywood blockbusters, one cannot help but envisage the prospect and ultimately the irony of major studios actually making good money out of a story which at one time seemed to threaten their very cashflow, or even cashcows. If the Social Network film made a few careers in Hollywood, why not Kim And The Curse Of DotCom? America has always been in love with its gangsters, be they homegrown or imported!
The internet is the 21st Century most powerful tool and most influential medium. The “little people” behind computer keyboards, the anonymous sages who feel so at home in the chat room environment have nowadays become a force to be reckoned with.

Written by: Julieth Gonzalez, Follow Me in Mezee free chat rooms.

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