Monthly Archives: April 2018

The Shopper’s Life of the Future? Not Quite, but it’s Certainly Convenient

Mobile online shoppingFrom door-to-door salespeople to home shopping TV networks, there are now many ways for consumers to gain access to what they need. Whether it’s as small as a desk clock or as big as a five-layer shelf, you can order office supplies and get started on your business the soonest. All these, along with the advantages below, are among the reasons people love online shopping.

Everything at Your Fingertips

The greatest advantage of online shopping is that it gives you most of the information you need on an item, give or take a few specifics. Most online sellers post all the most important details about their products, so buyers get a good idea of what to expect when the item arrives on their doorstep.

Virtual Planning

If you want to order office furniture, like an L-shaped desk, Online Office Furniture and other experts explain that you can get that (and whatever else you need) without leaving the comfort of your home. You can browse through multiple stores, allowing you to put together the necessary details and purchase those with elements in your design plan. From the necessities all the way down to the small decorative elements, you can make a better choice by viewing everything online.

See What’s Available

Looking at products online is one way to find some design inspiration. Be inspired by color schemes, themes, or motifs created by people — professional designers or DIY masters. Or get your inspiration from different places around the world. Shopping online means you can draw ideas from different places, often for free.

If there’s any lesson you can learn from online shopping, it’s to manage your expectations. Online shopping saves you time and energy but every now and then, it may better to browse a physical store instead.

Ex-couple signing their divorce papers

Why Say No to a Bad Divorce Advice

Couple signing their divorce papersWhen you and your spouse finally decided to get a divorce, you’re likely to get advice from friends, family members, and other people. Most of them want to help and support you, but this doesn’t mean that you should all follow what they tell you. This is because in some circumstances, their advice can be harmful and negatively affect your divorce settlement.

Albuquerque divorce lawyers share a few pieces of bad divorce advice you should ignore:

  • Stay together for the sake of the kids. If you truly love and care for your kids, you wouldn’t want them to see mom and dad constantly arguing and fighting. Staying in a dysfunctional or an abusive marriage can hurt and harm your kids more. If you honestly believe that divorce is best for you and your kids, there is no reason to stay married just because someone tells you to do so.
  • A DIY divorce can save you money. While there are plenty of divorce resources online, you still need to hire a divorce lawyer. You should also keep in mind that family law is complicated and it is easy to commit mistakes. It is advisable to consult a divorce attorney to protect your rights and have a great fighting chance in getting the settlement you deserve.
  • Your spouse should pay for it. If your spouse has done something wrong that led to a divorce, punishing them may seem fair. Getting even or taking revenge, however, can only backfire. It can lead to more stress and expenses, especially if you try to do everything you can to reveal their secrets. It can also cause more hostility and resentment later on.
  • You need to stop feeling sorry for yourself. Divorce is a heartbreaking time for most people, so you need time to grieve and heal. It is okay to feel sad, angry, upset, and sorry for yourself (for a short time), as they are part of the grieving process. Acknowledging those feelings can even help you move on. You can also talk to a counselor or get emotional support from close friends.

These are just a few of the bad divorce advice you shouldn’t pay attention to. If you want your case to go smoothly, only get advice from an experienced divorce attorney.

4 Ways to Make Your Construction Company More Eco-Friendly

Different sizes of steel pipesMore than ever, it is essential to involve everyone in ensuring that the adverse effects of climate change are minimised. Even those in the construction industry realize this. This is the reason why significant steps have been made by a lot of companies to incorporate eco-friendly practices into their operations. This is so that they will have a minimal carbon footprint. These four tips are helpful in ensuring that your construction firm does eco-friendly practices:

Use stainless steel pipes

Stainless steel pipes are the most desirable material that can be used for piping and tubing systems if you want to be environmentally friendly. Why is this? It is 100 percent recyclable and can be reused. Stainless steel is highly resistant to corrosion, making it cost-effective and eco-friendly at the same time. Stainless steel also has a longer lifetime compared to other choices. Make sure you contact a trusted supplier for your stainless steel pipe fittings.

Apply for green certification

Green certification is a proof that you are serious about joining the fight against climate change. This will show your clients and stakeholders that you are using and doing eco-friendly practices in most parts of your operations.

Commit to improving energy efficiency in your construction outputs

If you are to commit to being eco-friendly as a company, it has to show in your output. The buildings you finish must be energy efficient.

Utilise the cloud for your documents

On the management side, your company may need to limit its use of paper. There are several cloud-based platforms that you can use for storage of your documents’ soft copies.

Incorporating practices that are friendly to the environment is an important step for companies to help in fighting climate change. Even the smallest changes can have massive dividends later on.

Woman handing the pen to sign loan document

Asset-Based Lending: Is It Right for Your Business?

Woman handing the pen to sign loan documentIf your cash flow problems can’t wait until your customers pay, you can use an asset-based lending product, to boost your company’s liquidity immediately. In this loan, you can use your receivables as collateral, and get a cash advance equivalent to up to 90% of your chosen unpaid invoice or batch of invoices.

Asset-based financing options from TAB Bank give you the luxury to forget about repayment schedules and get most of the money owed to you before your debtors pay up. However, it’s not all roses. It has restrictions and can be prone to misuse.

To know whether you should take a loan secured by your outstanding invoices, or other assets, answer these important questions:

How Much Is the Amount of Your Receivables?

Asset-Based financial products have a borrowing base of $700,000, which could go as high as a few million. This is why financing facilities, like banks, only offer them to more established companies. If the value of your receivables doesn’t meet the minimum requirement, consider invoice factoring instead, which involves selling your invoices to a third party.

What Do You Need to Funds for?

Financial experts would tell you that it only makes sense to apply for an asset-based loan to get on-demand funds. It’s a handy solution when your company suddenly becomes cash-strapped on particular occasions. But if you need an ongoing source of funds, just like a line of credit, invoice factoring might be the better choice.

Can You Handle the Costs?

Compared to factoring facilities, asset-based financing providers charge far less. But then again, you might wind up paying for more if you finance single invoices occasionally. The lack of a long-term contract would make the setup and maintenance costs to add up and lighten your coffers ultimately.

While the fundamentals are the same, the features of asset-based loans might vary from lender to lender. Understand how the product works to use it to good effect and spend the least amount of money.

Woman shopping for boots

3 Must-Haves for the Perfect Cowgirl Look

Woman shopping for bootsWhether you want to embrace the lifestyle or just the style, the practical yet fashionable cowgirl chic look will always be timeless. Perhaps you want to go all-out on donning authentic Western pieces together to complete your look, or you just want to add a subtle cowgirl flair to your OOTD (outfit of the day).
Either way, there are must-have accessories that you should put in your closet if you want to look and feel the part.

Bring out the cowgirl in you

Aside from the ever-trusty denim jeans and skirts and your choice of plaid or plain button downs, putting the finishing touches to your cowgirl outfit lies on the following accessories:

Cowboy boots

A cowgirl outfit is never complete without the classic pair of boots. These are typically made of leather and come in different colors and styles, such as round toe, pointed toe, and square toe. You can opt for those made with other materials such as fabric, exotic skins, or faux-leather if you prefer an animal-friendly alternative.

Hats

If anyone would recommend Western-style cowgirl accessories, they will surely have the hat at the top of their list. Whether you choose woven, fabric, leather, or straw cowgirl hats, these accessories add a healthy dose of fashionable flair to your look, as well as protect you from the sun. Complement your outfit with a tan, brown, or black piece for an understated, subtle feel, or go loud and bright with bold colors for a daring statement.

Chunky Belt

Large, heavily-accented belts always make a cowgirl outfit pop—and they are a must-have for those who love detailed embellishments that instantly jazz up your everyday style.

Cowgirl belts are usually made from leather with solid, large buckles that come in various designs. Go for a simple strap with a gold, silver, or turquoise buckle, or brighten the mood with braided belts or medallion designs; the possibilities are endless.

You can sport a cowgirl look by accentuating your outfit with these accessories. You can always mix and match or go simple; the choice is up to you.

4 Office Space Improvements to Enhance Employee Productivity

Office spaceHaving open spaces seems to be the trend in the recent years. A lot of offices, most especially startups, have adopted this movement in the hopes that it cultivates a more collaborative environment.

However, according to a study conducted by Exeter University, as cited by Inc.com contributing editor Geoffrey James, this design, in fact, reduces productivity.

How do you, then, improve your workplace to enhance the efficiency of your workforce?

1. Improve your employees’ office workstations

Instead of forcing people with different personalities to lump together in a single office workstation with their laptops, provide them better work desks. If you want to ditch the partitions, do so, but give them more individual spaces. Most people tend to work better if they have enough privacy to be creative.

2. Create more communal spaces

While sharing desk spaces would be too much for some employees, creating other communal areas where they can just take a breather or have a more creative brainstorming session is a great idea.

For instance, aside from your boardroom-type meeting rooms, you utilise corners and set-up smaller shared spaces where your employees can just have a coffee break or have one-on-one meetings.

3. Upgrade the lighting

Lighting in workplaces has a vital role in the productivity of your employees. As much as possible, have more windows, so there is much more natural light coming in. This would increase their energy and mood. Also, your lighting should not be too bright or too dim as either could strain their eyes.

4. Keep it clean and sanitised

Your office space must be regularly cleaned and maintained. Repairs, such as a faulty air-conditioning unit, must be done as soon as possible. You also do not want your employees to suffer from dusty carpets and furniture, so make sure you have disinfectant systems in place.

All these can impact your employees’ health greatly.

It is no secret that the look, atmosphere, and cleanliness of your workplace affect your employees’ work performance. It is unfair to expect maximum efficiency if they are exposed to unfavourable circumstances in your office space.

A road in a farm

Your Ultimate Guide to a Farm Loan

A road in a farmApplying for a farm loan is crucial especially for large-scale farmers. You may use the credit facility to acquire seeds, fertilizer, and other farm inputs. But before taking credit, you need to research to get the best financial aid in the market, along with the best conditions attached.

What to consider when applying for a loan

There are several things to consider when taking a farm credit loan from firms such as Farm Mortgage Loan. They include:

  • The type of organization offering the facility. You need to find the organization that provides the facility without limiting yourself to banks only.
  • Terms of the Loan. You should research on the rates of the credit and get the loan from the organization that charges the least. You should also look at things like minimum installments, the period of the loan, and the cost of taking out the loan.
  • What you need to do with the money. Before acquiring a credit facility, take time and come up with a plan of how you are going to spend the money. Some people take a loan without planning for it and end up misusing the funds on other expenses other than its intended use.

What do lenders require from borrowers?

Before deciding on taking out a loan, it’s important to have a list of questions to expect from potential lenders. They include:

  • List of existing loans: the lender will want to know whether you have commitments with other lenders to see if you can afford to repay them.
  • Whether you comply with lending laws: the lender will want to know whether you have ever defaulted on a loan. This could affect your application.

Finally, if you are contemplating on getting a credit facility, enlisting the assistance of professional financial adviser is very important. They are the experts and will offer you all the information you require on loans.

friends holding bowling balls

The Benefits of Bowling in Promoting Healthy Lifestyle

friends holding bowling ballsAmusement parks and arcade centers today have become an essential destination for families and friends to celebrate important events or hold parties, combining good foods and a different set of entertainment for everyone to enjoy — both for kids and kids at heart. Aside from arcade games and laser tag, one of the most sought-after family activities in this kind of event is bowling. Good thing there’s a bowling alley in Edwardsville, IL that caters to this all-in-one entertainment service.

But why would you and your family want to go bowling? Here are the many benefits of bowling aside from bridging the gap between two generations:

For All Ages

According to Edisonsfun.com both kids and kids at heart will enjoy the competitiveness it brings. You don’t need to be a pro bowler, plus, there’s a low chance you’ll get injured. Anyone who can lift and swing the bowling ball to the alley can play the game: it’s that easy to learn how to play the game that even preschoolers can play against senior citizens. And the automatic scoring systems will make sure no one can cheat.

Stress-Free

According to experts, engaging in physical activity and socializing helps relieve stress. Bowling is a combination of both. In fact, it is said that bowling can help you burn up to 300 calories depending on how much effort you put into the game. And you can shed off that extra weight while socializing with your friends while it helps reduce stress and depression, which are often associated with stroke and heart attack. Thus, you can safely assume that bowling helps lower the risk of such attacks.

Muscle and Memory Exercise

Do you know that a three-game set of bowling is more or less equivalent to one kilometer of walk? Not to mention, you are actually exercising almost all parts of your body — from walking to lifting the bowling ball and graciously swinging the ball. Bowling also promotes mind and body synchronization, requiring hand-eye coordination that stimulates concentration and mental alertness. The adrenaline that the competition brings also helps in the better performance of heart muscles, increasing heart rate that promotes a healthy heart.

There are many activities inside these amusement parks and arcade centers that can help bring the family closer together. And then there’s bowling which not only promotes strong family ties and healthy lifestyle, it can also be enjoyed by all ages.

Bricks used to create a wall

Various Types of Construction Bricks

Bricks used to create a wallThere are different types of bricks being used in modern day construction. The big question remains, do you know what the difference is in the varieties and what their ideal use is?

There are three major types of bricks used for construction worldwide. Understanding the varieties is necessary for selecting the right brand for your construction project. That said, before purchasing the bricks for sale in New South Wales, here is an insight into various types to help you choose the best.

Facing Bricks

These are the most popular type, and they have remained the favourite façade material around the world. They are mainly used for their aesthetic aspect, and thus are best used on the external walls of a building. With over 800 types of facing brick available today, there are facing bricks suitable for all project types, ranging from ultra-modern to traditional style buildings.

Engineering bricks

This type has a low water absorption and high compressive strength. As such, they are mostly preferred due to their physical characteristic as opposed to their appearance. Traditionally, they are used in civil engineering in the construction of sewers, manholes, damp proof courses, retaining walls, and other ground works. They are rated in classes A and B, with A being the strongest, but B being the commonly used option.

Common Bricks

Contrary to their name, common bricks are the least common type of brick used in the world. Reason being, they are considered to be of low quality due to their low compressive strength in comparison to engineering or facing bricks. As such, conventional bricks should never be used for underground brickwork, but instead, should be applied for internal brickwork only.

Bricks can also be categorised according to their shape or geometry. For instance, there are bricks which take the form of cow nose, channels, coping, and bullnose, among others. They are all designed to fulfil a unique function, and they have characteristics that make your construction strong and aesthetically appealing.

Elderly woman in a bath tub

Why Walk-In Tubs Are for Everyone

Elderly woman in a bath tubWalk-in tubs, traditionally designed for the elderly, are now sought after by people of all ages because of the features. The spa mode, heated seats and generous width make them an attractive purchase for almost everyone.

Walk-in tubs were made for the elderly in mind, but an increasing number of people are trying them after discovering the benefits from a senior relative or finding out about their added features from an advertisement.

Bathing for the Larger Person

Some bathtubs for the elderly are wider than standard bathtubs, making them ideal for ladies or gentlemen of a larger size. There is added comfort and no need to struggle to get in and out. Simply drain the water, open the door and step out.

Bathing for People with Disabilities

Up to 9 million parents in the USA are people with disabilities, and this can make lifting small children in and out of the tub challenging. With a walk-in tub, they can lead the child into the tub without lifting the child. It also has the added security of temperature-controlled faucets, so the water is always the perfect temperature for children. The water is completely drained before the door can be opened and the integral non-slip surfaces mean that there’s no risk of falls when they get out of the tub. This makes bath-time easier for parents with disabilities.

Bathing with Chronic Conditions

Accessible bathtubs are great for people with chronic conditions like arthritis because the user doesn’t have to lie down. Some types of bath also have a spa mode with bubbling warm water that they can immerse themselves in. This is soothing for painful joints and can assist with relaxation and sleep.

Walk-in tubs aren’t just for seniors. People with disabilities or chronic conditions, and people of all shapes and sizes can use them for their benefit.