Monthly Archives: November 2017

Home Purchase: Can Your Finances Handle It?

A couple discuss with the purchase of their new house

A couple discuss with the purchase of their new houseIf you’ve been renting a place for quite some time now, you may be considering buying your own home. Making the final decision, of course, is hard since you need to think whether or not your current finances or income can take on a mortgage payment. It is most confusing, especially if you’re used to paying a fixed amount for your rent every month.

Buying is definitely more expensive than renting, as you move on towards owning a home. You also need to get qualified for a mortgage to finance the property. There are, however, many benefits to this like building equity, tax deductions, and creative control over the house. These are something you can’t do with a rental, as you don’t own the home.

Additional Monthly Payments

If you’re thinking of buying, the monthly payment is probably one of your biggest concerns. The payment will include not just the principal, but also the interest, taxes, and insurance. This may cause your monthly loan payment to change from year to year. Mortgage companies in Tempe note that this will also depend on the type of loan you choose.

Putting Money Down

Down payment is probably the biggest hurdle. The good news is there are some loan programs that will allow you to get a loan even with little money down. If you have been saving for a home for some years now, it is even better. You can also get help from family members, as some mortgage programs allow gift funds to cover down payments.

Utilities and Maintenance

Paying for utilities is a part of renting and owning. If you want to get a property that is bigger than the place you’re renting, you may need to pay more utilities, especially for cooling or heating a larger house. There is also the maintenance, as every home will need some sort of routine care. You will need to cut grass or even a hire a contractor if something breaks.

A home purchase is mostly a financial endeavor. Be sure to assess your financial readiness and check your credit score. Your payment history and debts are important for all lenders. You can also get pre-qualified first to know the amount you can qualify for and learn more about different loan options.

Adios, Manila!: Why are People Moving Out?

An aerial view of Metro ManilaFilipinos long have the notion of wanting to step into Manila in hopes of finding greener pastures. After all, Manila is the capital and business center of the country and more jobs are available in the metro. But over the years, this notion of setting foot in Manila is slowly changing, at least for those who have had enough of the city.

In the last decade, more properties, businesses, and establishments are built on the outskirts of the metro, particularly in Cavite, Laguna, Pampanga, and Bulacan.

Checking on property reviews in Cavite will lead you to Lancaster New City Properties and other newly built properties in the area. Lots of reviews mean more occupants and interested homeowners. How did that suddenly happen? Why are people leaving Manila? Why are people investing in properties outside the metro?

Caviteproperties.com.ph shares some insights.

Lower cost of living

The price of a 3-bedroom house in Cavite is not even half the price of a studio type condominium unit in Manila. The stark contrast in prices is one of the reasons more people are starting to move out of the capital in hopes of owning a property at a more reasonable rate. This budding trend is also the reason there is a sudden increase in the number of developers offering housing packages outside the capital.

More options

Manila is scarce on land and buying a house enough to accommodate a family of five can be challenging. Moving just outside of Manila can give you the freedom of having a big house, a parking lot, and a garden because space is not as scarce.

Better traffic scenario

Manileños are no stranger to traffic jam to the point that it has become an accepted reality. Unfortunately, it has affected productivity, as well as the health of people. Getting out of Manila means being spared from getting stuck in daily traffic.

Job availability

Because there is barely any space left in Manila, businesses are also starting to move out of the city and investing in properties on the outskirts. As businesses come to Manila’s neighboring cities, so do job opportunities.

Are you saying goodbye to Manila soon? You are not alone. Finding the right location and property is key.

3 Ways to Improve Your Workplace Environment

Clean office desks

Clean office desksOther than outfitting your office with the latest technology and the trendiest furniture and accessories, there are three fundamental ways you can improve the workplace and create a work environment that is safe and healthy for everyone.

Daily housekeeping

Keeping a clean work environment is important in making sure everyone is protected at work and that no one has to worry about his or her safety. You can get janitorial services for your Sandy office to take care of the cleaning and housekeeping.  A clean and healthy work environment reduces the risk of viruses and bacteria from spreading, which can cause health problems at work. When your employees remain healthy and safe, there are less sick days filed and work can be accomplished in a timely manner. This increases work productivity rate and output.

Encourage monthly workspace clean-up

Involving every employee in keeping the workplace clean makes it easy to maintain the overall safety of everyone. Getting rid of old paper files, unused items, and other flammable materials reduces fire hazards and eliminates places on which dust can collect, which can cause allergic reactions and other health issues to come about later on. It also creates a culture where people use supplies and materials consciously, which results in an overall tidier, cleaner, and clutter-free area.

Organize materials and supplies

Keeping supplies, materials, and equipment in strategic areas at work makes it easier for people to find it or access it whenever the need arises. When people know where the materials are and how to access these, it helps them work efficiently and eliminate unnecessary time spent in locating or searching for items they need for work. When resources are readily available, it makes work faster and easier for everyone at work.

Also, encourage employees to organize their desks and materials to increase personal efficiency and productivity at work. When things are in order, it’s easier to complete a task and improves the quality of work.

A clean and organized place for work is the foundation for creating an environment that is safe and efficient for everyone.

Speed Cleaning: A Spotless Office in Under 10 Minutes

Worker Mopping The Office FloorKeeping things clean in the office takes hard work. You should have a system in place if you want to keep everyone’s working space spotless all the time. Sometimes, the need for your office to look clean arises and you find your office not in its most presentable look. When visitors pull in such a short notice, you might find yourselves trying your best to clean the office in as little as 10 minutes.

When time is not on your side, you have to maximize all your movements to ensure that clean look before they arrive. It is all about efficiency when it comes to office cleaning in La Mesa.

Catch-All Drawers

Your office will greatly benefit from having this feature in each cubicle or table. If you want your desk to be clean at once, a catch-all drawer can be rubbish’s temporary home. From piles of papers and folders to unrelated objects on your desk, you can quickly make your desk look clean by having these elements stashed away in an instant. It's unlikely that client visitors will look at each drawer, so you can simply fix everything back to normal when they're gone.

Cable Issues

Nothing gets more attention than wires and cables sticking out from the view. As they're inevitable parts of your office equipment, there has to be some way you can keep them looking clean and neat. The easy trick is to have a collection of the all-around paper clip in your drawer. Clip together cables and line them up along the corners of your cubicle. If some cables are too long, coiling them in circles before clipping and taping them underneath the table can be a quick fix.

Getting that clean look should not have to take so much time. A little resourcefulness goes a long way especially when you are out of time.

A Winter Special: 4 Fun Ways to Enjoy the Snow Season

Skiing, winter, snow, sun and fun - family enjoying winter vacationsWelcome the winter season with a smile without letting the cold and chilly weather bother you. Take this chance to recuperate from the hot and dry days. Here are some great suggestions, so you can enjoy this wintertime to the fullest:

Visit a Ski Resort

Embrace this season by going skiing, sledding, and snowboarding with some of your closest friends and family. Of course, as chestnutmtn.com and many seasoned travellers say, there’s no better way to enjoy this activity than visiting one of the most magnificent ski resorts in Illinois. You may also bring the whole gang to a public skating rink to enjoy gliding down along with everyone. This would definitely be fun and exciting especially if you’re going with kids and friends.

Enjoy Delightful Winter Treats

Stay snugly and cosy during even during the winter breeze by munching on snacks and meals that are sure to warm you up. Enjoy a slurp of your favourite soup recipe and match it with some tasty baked goods. To make your winter even warmer, how about you relish a tasty sip of a hot chocolate drink? This is definitely a great way to welcome the winter pleasantly and warmly.

Have Fun in the Snow

Who says you’re too old to build your own snowman? The mere thought of playing in the snow is enough to make anyone, kid or adult, feel so giddy. Make sure you dress properly for the activity, though, to avoid the cold biting down your skin. Remember it’s better to be prepared than be sorry.

Try a New Winter Sport

While winter is indeed the best time to go skating, skiing, and snowboarding, there are far extreme and newer winter adventures you could enjoy. If you’re among those who are looking for a new winter hobby, how about you try snow kayaking, snowshoeing, and snow climbing? These activities would definitely bring out the athlete within you. Be sure you wear proper gear and apparel to avoid accidents and injuries as you try them out, though.

Have fun in the snow with these ideas. Take this opportunity to spend and bond with your loved ones by scheduling a trip that everyone could enjoy. Aside from the things on the list, there are other plenty of activities you may try and do so you’ll never get bored as the winter officially starts.

Real Estate Selling Guide: Where to Advertise

House for sale

House for saleSelling real estate is not just about deciding on the right price of the property depending on its size, amenities, and location. You also need to consider the kind of homeowners you are targetting. More importantly, if you want to sell the property as soon as possible, you’ll want to get it more exposure. This means advertising it where everyone is looking.

Look for Local Listings

Real estate agents understand the importance of location when selling a property. It’s why they concentrate on a particular area. It’s also why most property listing sites can be filtered by location. It would make sense: if you’re looking for a property in Rockport, you’ll want to see Rockport Properties, Inc. listings, not that of another location. Following this logic, you should advertise your house on pages that concentrate on where it is located, so potential buyers can see it.

Set up an Instagram Account

Instagram is great for advertising visual content. It’s exactly what you need when you want to highlight the features of the house you’re selling. What’s good about Instagram is that you can geotag the posts. When people search for images in Rockport, they will see yours if you’ve set the location properly. There is also the option to use tags, to widen the reach of your post beyond just your followers.

Share in Your Circles

Google Plus and Facebook allow you to have circles, communities, and groups. Sharing the property listing to a group who might be interested in buying can make the task easier. With a shareable link, it’s also easier for them to send it to someone they know who might be looking for a property to buy. Building your connections benefit you in several ways, and this is just one of them.

You don’t need to be a marketing expert to sell a property. Think like your buyers and share your property where you know they’ll be looking.

Ways to Fund Your Small Business

100-Dollar Bills on a White BackgroundBusiness financing is often a challenge, especially for entrepreneurs who are just starting on the path of business ownership. Whether you are looking to start your dream business, expand your start-up company, or introduce new products and services to your clients, here are a few ways you can get funding for your business.

Business Loans

There are many lenders out there offering various loan products for small businesses. Some are banks while others are independent financial services providers. When checking out a financial business company, look at their loan terms and rates, and evaluate which one is best suited to your needs. Do your research and find out if there are any hidden terms or fees before you sign up for a loan.

SBA Loan

The U.S. Small Business Administration also helps entrepreneurs to start and run their business by giving them loans. An SBA loan, however, is stricter and requires a guarantee that it will be repaid.

Factoring

Factoring involves the selling of a company’s receivables at discounted prices to get cash up front. This method is good for companies with poor credit. However, factoring is expensive since a percentage, usually about 2% to 3% of the total amount, is charged as fees.

Credit Card

If you need to clear small bills when in a cash crunch, your credit card can come to your rescue. However, using one to fund your operations is a little risky as the rates are expensive and you can get into a financial mess if you fail to manage your debts well.

Whether you are just starting or already growing your business, you will need to seek financing help to keep it up and running. Make sure to weigh all your options well before you make any decision.

Common Legal Grounds of Fair Job Dismissal

Boss dismissing an employee. Dejected fired office worker carrying a box full of belongings. Getting fired concept.Losing your job is a painful experience. Unless your boss has substantial constitutional grounds to validate your termination, you can file a lawsuit for unfair dismissal. If you have been employed for more than 13 weeks, a minimum period of dismissal notice should be provided.

You can ask your employer to provide you with a written report of the reason for your termination. This should be delivered within two weeks of your demand. If you were unfairly dismissed, you should consult employment lawyers in Wellington to learn about your legal options. Rainey Collins Lawyers cites some legitimate grounds for a fair job termination.

Incapability

Incapability consists of issues like absenteeism and tardiness. If these are the cause of your dismissal, the employer should have documentary evidence. This can be in the form of clocking-in reports or absences, which are not medically certified or documented in your file. The employer should also prove that you were informed of the issue and warned of consequences.

Incompetence

Competence refers to your ability to carry out assigned tasks. You should first be aware of your job description and set standards. Should you fall short of these standards, you must be warned through formal set procedures. The warning should also specify the necessary improvements and give you a reasonable period to improve. After the employer has done all these, he or she can fire you for incompetence.

Misconduct

Misconduct as a ground for dismissal often ranges from grave or gross to ordinary cases. Grave misconduct, such as assault, stealing, a serious breach of company policy and drunkenness can lead to summary dismissal. Ordinary cases of misconduct warrant a thorough investigation and appropriate warnings before release.

Another ground for fair dismissal is job redundancy. But you can counter this reason by proving there exists no economic justification for redundancy or you were selected unfairly. Different employment contracts may contain various grounds for dismissal according to set company policies. It is, therefore, important to understand your contract before signing it.

How Important Is a Water Softener in Your Home?

Instalation of a water softener in boiler roomHard water is described as water that has excess metals and minerals such as iron and calcium. These minerals don’t mix well with soap, so you will notice that your clothes are not as soft after doing your laundry or your hair is dull and lifeless no matter how much you wash it.

This is why many residents in Utah are using a water softener in their homes. All Hours Plumbing and HVAC notes this equipment softens the water by diluting or removing these excess minerals in exchange for sodium. Here are some more of its benefits:

Cleaner kitchen and bathroom

Because soap and the minerals found in hard water don’t mix well together, your dishes, the sink, and the bathtub end up with stains like white spots. When tap water evaporates, minerals like magnesium and calcium are left behind which cause the staining and plaster-like deposits on your faucets and bathtub. Soft water, on the other hand, does not have these minerals, so you get stain-free dishes, sinks, faucets, and tubs.

No more limescale build-up

Limescale build-up is a common side effect of hard water. Water won’t flow smoothly because of the reduced pressure from all those minerals, which increase the rate of limescale build-up. Additionally, the excess minerals in hard water can damage your steel pipes and other appliances that use water.

Softer skin and shinier hair

The extra magnesium and calcium in hard water reduce the effectivity of soap and shampoo, causing dry and itchy skin, as well as dull and lifeless hair. Because soaps and shampoos don’t lather as much, you are forced to use more of these products. However, with a water softener, you can bring back the rich lathering of soaps and shampoos, so you don’t have to use as much. This actually reduces your usage by 75%.

Cleaner and softer clothes

The minerals in hard water can easily get trapped in the fibers of your clothes, making them hard and scratchy. Hard water also causes your whites to turn gray. There are various DIY home remedies for this, but the best solution is to install a water softener.

Things to Consider When Hiring House Painters

An industrial painter using professional equipmentCommercial painting is a trend that many homeowners are now doing for their properties. Professional painters for interiors are now a popular additional service that homeowners expect. The kind of paint you choose for your building speaks volumes about you and your home. Before settling on colour, it is important to consider a few things.

Reputation of the commercial painters

Choose commercial painters in Wellington that are known for their expertise and professionalism. Aside from asking for referrals from your friends and family, and check websites for the kind of services they offer.

Professionals know which materials would suit your property’s material, whether it is wood, steel, or a combination. They also know the proper layering of paint to protect it from things that could destroy your home.

Enhances your house’s durability

Painting a house protects your property from the weather and even termite infestation. Professional painters would know what kind of paint to use for your home’s siding or construction material. A fresh coat of paint protects your property from the vagaries of the weather.

If you use wood as your home’s building material, paint can prevent the growth of mould and mildew on your property. Rain and dew can soften the wood, and this, in turn, could lead to mould and mildew growth.

Improve your home’s kerb appeal

Hiring professional painters for your home could help improve its kerb appeal and even help increase its value. If you improve your home’s exteriors, even if you don’t plan to sell it soon, it can help make your property more valuable.

If you want your home to increase in value and be more durable against the elements, you should hire professional house painters in Wellington to make sure that you achieve these things.