Latest Posts

Guide to Ensure the Safety and Reliability of Your Pallet Racking

Pallet racking failures are among the most catastrophic of the hazards faced daily in your warehouse. However dangerous and expensive the result, the causes can be surprisingly simple. Too often, pallet racking is caused by little more than inaction.

Your pallet racking needs to be reliable day in and day out. Your warehouse and your workers’ safety depend on it. But reliability is not permanent. It must be maintained and preserved with preventative measures and safety practices. Continue reading to learn the best practices for pallet racking safety.

Regularly inspect the condition of your pallet racking

Keep a watchful eye on the physical state of your pallet racking and respond quickly to structural damage or missing assemblage.

  • Installation – Was your pallet racking installed by certified professionals to industry standards? If not, then a professional, third-party assessment of your pallet racking installation can correct vital installation errors.
  • Base plates and protections – Make sure that your pallet racking floor mounts are set to minimum torque to allow for the right amount of flexibility in case of a forklift collision. Additionally, post protectors should be installed at every corner, where forklift collisions are statistically most likely to occur.
  • Signage and labeling – Check that your pallet racking is properly labeled with clear and accurate signage so that your staff knows precisely what they are permitted to do.
  • Locking Pins – Pallet racking supports are held in place by gravity. Quality locking pins that are correctly installed ensure that accidental forklift contact doesn’t lift rack support out of its mount.

Maintain a safe pallet racking environment

The greater state of your warehouse, in general, can also have a significant impact on the reliability of your pallet racking.

  • Lighting – A safe pallet racking environment beings with adequate lighting. Any potential hazards in your warehouse need to be sufficiently illuminated to avoid trouble.
  • Intent – Know that your pallet racking is being used to store what it was intended for.
  • Barriers – Use barriers to clearly demarcate the channels where your forklifts are permitted to operate. Lifting equipment NZ wide needs to be properly guided to avoid impact and ensure smooth warehouse operation.

Implement sound pallet racking safety protocols

Make sure that your warehouse crew knows how to maintain, report, and repair issues with your pallet racking.

  • Periodic, scheduled inspections – The pallet racking in your warehouse will incur daily wear and tear, so inspecting it only once will not be enough. Schedule regular and comprehensive inspections of your pallet racking system and closely monitor its overall state.
  • Don’t let structural issues pile up – Rarely is a pallet racking failure the result of a single, crippling impact. More often, it is the result of numerous minor impacts that went unaddressed until failure became inevitable. Allowing your warehouse staff to become complacent on minor structural deficiencies means they are less likely to recognize and repair further damage. This brings us to the next point.
  • Trained staff – Ensure that your staff is trained to recognize structural deficiencies in pallet racking. Train you, warehouse workers, to properly place and manage pallet rack loads and abide by key forklift safety procedures at all times.

Investing in pallet rack safety is investing in your business

Your pallet racking can be kept safe, reliable, and performing to its peak standard with basic maintenance and care. For as simple as the causes of pallet racking disasters can be, the preventative measures can be just as simple. Contact the leading warehouse experts at Dexter’s today to learn what more you can do to ensure the safety and wellbeing of your warehouse crew and the security of your pallet racking.

 

Blog Source: DEXTERS Warehouse Equipment | How Can You Ensure the Safety and Reliability of Your Pallet Racking?

READ MORE +

GET YOUR PERSONAL LOAN APPROVED FASTER WITH THESE HELPFUL TIPS

There is a multitude of financial tools out there to help you achieve your goals; one of the most popular and flexible options is the Personal Loan. Personal Loans can be a great way to consolidate your current credit card debt, fund a new venture, or help you pay off other high-interest rate bills. If you’ve considered the options and feel certain that a Personal Loan is a right choice for your goals, the next step is to ensure you have the highest chance of approval.

Follow these 5 tips to boost your chances of a successful personal loan application on the first try:

5) MEET THE MINIMUM REQUIREMENTS

Most lenders have a set of minimum requirements for their personal loan products. While you may have great credit and a stable income, it’s possible that you might not meet one of these common requirements just yet. Before you begin applying, ensure you meet the minimum requirements to qualify for the loan. Check the list below to see if you meet the most common qualifications that lenders look for when approving Personal Loans.

*if you are not a resident of Australia, you should have an acceptable non-resident visa

4) CHECK YOUR CREDIT HISTORY

When reviewing your Personal Loan application, the Lender will check your credit history via a credit report. As mentioned in Tip #5, the minimum requirement is to have no defaults within the last 5 years and no bankruptcies within the last 7 years. However, the better your credit history, the higher your chances for approval. So, the next step is to obtain a free credit report that will show your credit history. Check for any defaults or late payments. If you find a recent history of unpaid fees or late payments, you may want to consider working on this before applying for the personal loan. By improving your credit history, not only will the Lender be more likely to approve your application, but you may also receive more favorable rates on your loan. To make improvements to your credit history, begin making regular payments on any outstanding debt and do not miss payments. While there is not much you can do about any missed payments in the past, the Lender will look at your most recent history first and establishing a good track record now will ensure you have the best chance for success when applying for the Personal Loan.

3) IMPROVE YOUR CREDIT SCORE

While your credit history and credit score are related, your credit history is actually only one of many pieces of information used by credit bureaus to determine your credit score. Even if you have a great credit history, you still might not have a great credit score. If you don’t already know what your credit score is, use a trustworthy online credit reporting agency to check your credit score and see where it falls in the range of scores below:

  • 760+ = Excellent
  • 700+ = Good
  • 640+ = Fair

Once you know your credit score, check with the Lender to learn more about the rates and terms offered to individuals with certain credit scores. If you feel like a slightly higher credit score could improve your chances of approval or significantly improve the terms of the Personal Loan you are applying for, then you may want to take the time to review your credit score report to see exactly what is bringing your score down and where you can make the fastest improvements. However, if you meet the minimum requirements and there is little incentive for improving your score beyond where it currently is, it might be time to check Tip #3.

2) SHOW A STABLE SOURCE OF INCOME AND RESIDENCE

One of the biggest factors that will affect your chances for approval is the stability of your employment and living situation. When Lenders check your application, they will look to see how long you have been working at your current place of employment and how long you have held residence at your current location. The longer you have been at your job and the longer you have lived in the same location, the higher your chance is for receiving a Personal Loan. On average, Lenders view applicants who have held the same job for 3 years and have lived in the same residence for 2 years as highly stable and are more likely to approve your loan This does not mean that they are unwilling to lend to individuals who have resided in their current homes for less than 2 years, it simply means that the longer you live and work at the same locations, the more stable and reliable they will perceive you to be. If you have great credit history and an excellent credit score, but just moved to a new city or just started a new job, you may benefit from waiting a year before applying for a Personal Loan. If you have been working and living in the same place for over a year and feel ready to apply, check our last tip to ensure you have the highest chance of quickly securing a Personal Loan.

1) DEMONSTRATE REPAYMENT ABILITY

The most critical aspect of your application will be your ability to repay the loan. Even if you meet all the minimum requirements, have an excellent credit history, a great credit score, and have been living and working at the same place for the last 10 years, a lender will still need to see where you will get the money to repay the loan. The Lender will measure your stated income against your expenses to determine if you have the capacity to repay the loan. The more income you have compared to your expenses, the more likely you are to receive approval for your Personal Loan application. While you may not be able to immediately increase your income, you might want to take a look at your recurring expenses to see if you have any opportunities to decrease them before you apply for the loan. Do you have any outstanding credit card debts? If possible, pay off the credit card first to remove it entirely from your expenses. Are there any subscription services that you do not need? Magazines, cable or streaming tv, bottled water, gym membership, etc. You may not need to give these things up permanently, but removing them from the list of expenses while applying for the loan will certainly help your recurring expenses look smaller when compared to your income.

 

Blog Source: Path.Money | TIPS TO GET YOUR PERSONAL LOAN APPROVED FASTER

 

READ MORE +

Best Advice for buying your first house from these 5 millennials

Millennials are waiting longer to buy homes— but that’s because buying a home is harder than it was for their parents’ generation.

Millennials buying their first home today are likely to pay 39% more than baby boomers who bought their first home in the 1980s, according to Student Loan Hero. The value of homes has increased by 73% since the 1960s, when adjusted for inflation.

Housing is also less affordable for millennials compared with the overall population, whose incomes are likely higher because of more work experience.

Millennials are also spending more on renting and are busy tackling a record level of student-loan debt, making it hard to take on a mortgage loan, Business Insider’s Akin Oyedele previously reported.

As a result, it’s taking millennials longer to save. But while it’s no easy feat, becoming a homeowner is possible. We talked to five millennial homeowners who managed to save enough to buy their first home.

They shared the savings strategies and tactics they used to become first-time homebuyers, from house hacking and assistance programs to budgeting and opting for lower down payments, as well as their advice on how to pave your own path toward homeownership.

Remi Ishizuka, 30, bought an $875,000 home in Los Angeles by creating a separate savings account and visiting a financial coach.

Ishizuka saved diligently for five years before purchasing her $875,000 home in 2018.

“I cut back on expenses, and had a really strict monthly budget that I stuck to, and used a financial coach to help me stay accountable and within this budget each month,” Ishizuka, now a full-time blogger atRrayyme, told Business Insider.

Her financial coach advised her to open a separate account for money allocated for a down payment.

“I would save in chunks whenever I got paid,” she said. She recommended those who do the same should keep their home savings account separate from their emergency savings account so they never have to touch it.

Ishizuka opted for a 30% down payment, meaning she paid $262,500 up front and has a 30-year fixed mortgage of $3,800 a month. She suggested meeting with several loan companies before choosing one — she said she nearly got scammed into a bad loan without realizing it because it was the first person she met with.

To her, old-fashioned saving is the key to buying a house.

“Save, save, save as much as you can, even though it may suck in the short term,” she said. “And set a minimum amount that you put down to save for the down payment no matter what.”

She added: “Think of the bigger picture. It’s easier said than done, but by saving up you’re investing in something bigger that’s going to benefit greatly down the road. Imagine no more rent one day!”

Willy Harris and his girlfriend hired contractors to build a $204,000 house in Jacksonville, Florida, using a state assistance program.

Instead of purchasing a house, Harris and his girlfriend had a new house built in 2017 — and they used Florida’s first-time homebuyer program to help afford it.

The assistance program allows first-time homebuyers with qualified income and purchase-price limits up to $15,000 to be used toward a down payment and closing costs. If the homebuyer lives in the home for five years, the loan is forgiven.

Qualifying for the program also qualified him for a Federal Housing Administration home loan that required a 3% down payment, Harris, who was 24 at the time, told Business Insider.

They put down a $1,000 deposit to reserve the lot, while the grant covered their $7,750 closing costs and $6,150 down payment. The remaining amount of the grant went toward the principal of the home loan, Harris said.

“Since we only put 3% down on the loan, we elected to pay monthly mortgage insurance of $109,” said Harris, who oversees online and warehouse operations for a local interior design firm. “The way to get out of paying mortgage insurance is putting down 20% on the home loan. We plan on staying in this house for five years or less. Paying mortgage insurance for five years will cost $6,450. Paying 17% more at closing would have cost $34,680.”

Their mortgage is currently $1,503 a month.

Harris recommended creating a savings plan. Figure out how much you will be able to afford, and keep in mind mortgage amounts are based on the length of the loan, the interest rate, and the amount of owner equity, he said.

Build a spreadsheet to track your expenses, then get prequalified for a loan so you can crunch all the numbers and make an educated decision on purchasing a home, he said.

“The key to being successful when purchasing your first home is purchasing a home that is significantly less than what you qualify for,” he said.

A couple in their mid-to-late 20s saved enough money for a $400,000 home in Atlanta by adhering to a strict budget.

A couple in their mid-to-late 20s (who requested anonymity) working in development for a children’s hospital and as a sales manager at Pepsi purchased their house in 2018 without doing a “crazy savings program,” the wife told Business Insider.

But before moving to Atlanta, they had a gap in their rent that helped boost their savings, she said.

“When we were moving, it ended up taking much longer than expected, so we ended up moving into a family member’s house for about eight months, which allowed us to save about $20,000 since it was rent-free,” she said.

But that was only one-fourth of their 20% down payment of $80,000. They said they saved the rest by adhering to a very strict budget, frequently sitting down to talk about what they thought was reasonable to spend on things like food, eating out, clothes, and the like.

“Our mortgage is about $2,000 a month, but that’s what we were used to paying in rent,” she said, adding that they hope to pay off the 30-year mortgage sooner by paying double in months when they don’t have a lot of expenses.

Paying rent year after year will drain a bank account, so as soon as you have the money aside for a down payment, it’s a good idea to invest in your own home,” she said. “However, at the same time, you also need to have a rainy-day fund for large unforeseen house expenses in case your AC breaks or roof leaks.”

By living with their parents, Jessica Booth and her husband were able to save the money they would have put toward rent to purchase a $360,000 home in Long Island, New York.

Two years ago, at ages 28 and 26, Booth and her husband purchased their house for $360,000, not counting expenses for lawyers and other fees.

By purchasing their home during a time of low interest rates, they could opt for a lower down payment of 5%, or $18,000, leaving them with $3,000 monthly payments on their 30-year mortgage, Booth told Business Insider.

They tucked money away for several years and spent a full year of “really trying to save,” she said.

“We both made it a point to put a portion of our money aside each paycheck,” said Booth, who was an editor at the time.

She said her husband (then her boyfriend) “cut back on expenses, although I wasn’t as good with it.”

“We also both chose to continue living with our parents to save money on rent,” she said. “In the end, I also received financial help from a family member that also made a big difference in my savings.”

Booth advised being patient and not getting overwhelmed when it comes to saving for your first home.

“It’s going to take at least a year to put aside enough money, more if you haven’t been saving before that, and more if you’re buying on your own,” she said. “It can be really intimidating, but it’s not impossible.”

She added: “Cut back on spending, and before any big purchase, picture your dream house and think about if you really need the item or not. I would also suggest looking into the prices of the kind of home you want so you’ll have a better idea of exactly how much you need to save.”

Paula Pant purchased a $225,000 triplex in Atlanta and used “housing hacking” to bring housing expenses down to zero.

In early 2011, at age 27, Pant and her boyfriend (now her husband) purchased their first home with a down payment of $26,000, slightly over 10% of the home’s $225,000 cost.

Between the two of them, it took a year to save. While they didn’t use a regimented savings budget, they averaged saving $1,000 a month each.

“I was self-employed, and my income was volatile; I just adjusted to living on the lowest amount I would make a month,” Pant, the founder of the site Afford Anything, told Business Insider. “The month I made more, it would go to savings. I wasn’t consciously thinking I was saving for a home — I was saving money for a safety net.”

They purchased a triplex and rented the other two units to their roommates. The rent was enough to cover their $1,200 monthly mortgage, bringing their housing expenses down to zero, Pant said.

This is what Pant calls ” housing hacking,” which she highly recommends to every first-time homebuyer.

She said that if you can fill your home “with rooms and tenants and get yourself to a point where you don’t pay a mortgage from your paycheck, that’s a great way to start yourself in homeownership because you have so many other bills — it really changes your ability to save.”

It worked for Pant. She now owns her eighth home, and though she and her husband no longer live in the triplex, they still rent it out.

But she warned that there’s more to save for than the down payment — it’s the ongoing costs you need to keep in mind.

“There’s all this stuff you never imagined you would buy — a garden hose, a lawnmower — and having money for repairs and maintenance,” she said. “It takes a lot of money. Every paycheck was going to Home Depot for all the little things.”

Blog Source: Business Insider | 5 millennials who became homeowners in their 20s share their best advice for buying your first house

READ MORE +

Every Small Business Website Needs These Top 10 Elements

Internal Link SEO

It’s time to leave that old Angelfire blog behind. Your small business deserves better.

But wait. Did you know that 46% of small businesses don’t even have a website? Huh?

Other studies show that somewhere between 70% to 80% of people research a company online prior to contacting them.

If you run a small business, you should look at these statistics and see opportunity. Use your website as a resource to take advantage of what other small business owners are not.

In 2019, every small business website should contain specific elements to make it look, feel, and sound like you’re running a professional company.

Here are the top 10 elements that your small business website should contain.

1. Keep It Mobile Friendly

It’s 2019, and we live in a post-laptop world now. When you’re designing your website, you need to take into account that most people that are viewing it are doing so on their smartphones.

Have you ever been sent a link from someone of a website to check out, open the link, and have no clue what you’re looking at? This is because that company didn’t optimize their website for mobile viewing. Don’t make this mistake.

2. Tell Your Story

It’s important for that potential customer looking at your website to know what you do and what services you provide. You can do this in an “About Us” section where you can tell your company’s origin story.

What is more important, however, is that your company’s purpose is immediately clear on the homepage. This is the first thing that someone will see, so they should know right away that you are the company that they’re looking for, and they can go from there.

Keep it short and catchy. Figure out a way to concisely describe what you do and your ethos in just a couple of sentences.

3. Simple Navigation

Try not to confuse people. Assume that they’ll get lost if you make things too complicated to find. Use clear navigation headers, sidebar menus, and sub-service menus to keep every single page unique and make it easy to jump around to different areas on the site. Don’t make them backtrack!

For example, if you’re on a website for a clothing shop, there should be navigation headers for different categories; men’s clothing, women’s clothing, children’s clothing, etc.

When you click on the men’s clothing category, a drop-down menu should appear with the different categories within men’s clothing. When you click on a style of clothing, say shoes, it should bring you to a page with a sidebar and sub-service menus making it easy for you to find exactly the style of men’s shoe that you are looking for.

It seems obvious, but too many websites have poor navigation, resulting in loss of business and increased business for competitors.

4. Use SEO

When someone is looking for a product or service, they are most likely to type a search term into their search bar. That makes it very important that you use SEO practices to get the most traffic possible on your website.

There are many guides online on how to properly use SEO, including using the right keywords and using analytics to your advantage.

5. Pictures & Positive Reviews

Give them images and reviews so they can see what you do and know that it’s of good quality.

Provide the customer with lots of high-res pictures to look at. Don’t use stock images; most phones have cameras capable of capturing incredible images, and using your own images makes the website more personal.

Try to incorporate them into the fabric of the website as backgrounds to landing pages. This also works well with videos.

Use statistics and testimonials to tell the customer that you’re the one for the job. People like knowing ahead of time that they’re going to get good service.

6. Blog

Tell your story in the “About Us” section, but tell other interesting stories in your blog relating to the products and services that you provide. Keep it relevant and always link back to your products when possible.

Use everything you learned about SEO to make your blog pop up on SERP’s. If you’re not exactly a writer, there are plenty of online resources to outsource this kind of work to someone else that can do this for you.

7. Call to Action & Contact Info

Make it very clear and easy for customers to contact you. A separate “Contact Us” page with all of the necessary info (email, phone number, address, hours, and more) should be a staple on every website, but a call to action is just as important.

Your website should use a CTA whenever possible. If a landing page showcases a certain product, urge the customer to purchase with a CTA. If a landing page describes your services, put a CTA with an option for a free quote. You get the idea. Sell yourself, always.

8. Good Hosting

Choose a good hosting company. If it’s strangely cheap or expensive, stay away. Expect to pay in the neighborhood of $80 per year for a domain.

There are so many web hosts to choose from now, it’s kind of up to personal preference at a certain point. Pick one that seems reputable and has good customer service reviews in the event of a disaster.

9. Looks Help

Your website should look like it was made in this decade. Keep it neat and know where to place videos, text, and pictures to provide the best viewing experience for the customer. Clutter is bad.

Sometimes, and by sometimes we mean usually, it’s better to have a professional do this work for you. Spending money on a web designer pays immediate dividends. It’s understandable to fall behind in the fast-moving world of web design and digital marketing. They’re around to help.

10. Informational Footers

You’ve probably seen the tiny text at the bottom of a webpage with even more links to look at. This is the website footer.

You can place whatever you want in the footer. It’s good to keep the boring stuff that you don’t want cluttering the site down there. Copyrights, sitemaps, privacy policy, terms of use, and career pages can all go in the footer. Put your social media links in there too.

It’s also good to double down and put some of the more important info in the footer as well. Try placing your contact info in there again, and links to any other pages you want to reiterate.

You’re Small Business Website Ready

Go on then. Take what you’ve learned and created the small business website you’ve always dreamed of. It’s not hard but requires dedication and a bit of investment. It will pay off in immeasurable ways though. Get ahead by making a website that people enjoy going to.

Take a look at our blog to learn more about web design and digital marketing, and contact us for any of your web design, SEO, advertising, and marketing needs.

 

Blog Source: Section 5 Media | Top 10 Elements Every Small Business Website Needs

READ MORE +

ESSENTIAL TOPICS NEEDED TO DISCUSS WITH YOUR BUYER’S REPRESENTATIVE

Buying a home is a big decision! When you shift from casual online shopping to serious house hunting, you’ll quickly encounter a multitude of choices and a mountain of unfamiliar paperwork.

If you’re ready to roll up your sleeves, make sure you have expert assistance to navigate the process. Select an Accredited Buyer’s Representative and discuss these critical topics in your initial consultation.

1. Current market conditions.

Every real estate market is unique. Your buyer’s rep can share details about current inventory, buyer demand, and other factors so you’ll develop a better understanding of how much you’ll need to spend to get what you want.

In addition to having a finger on the pulse of the housing market, your buyer’s rep can alert you to current mortgage financing rates and recommend lenders. At a minimum, you’ll want to be pre-approved by a lender before beginning your house-hunt in earnest.

2. Services provided.

Most buyers don’t realize how much time and effort goes into finding the right home, successfully negotiating a purchase contract, completing all the steps related to inspections, mortgage financing, and closing documents, plus managing the logistics of packing and moving.

Ask your buyer’s representative to explain how they will support you throughout the purchasing process. Not all buyer’s reps are the same! An agent who has earned their Accredited Buyer’s Representative designation has received specialized training and demonstrated experience in representing buyers.

Even though your buyer’s agent can provide advice and recommendations on many aspects of your transaction, some topics are off limits due to Fair Housing laws, which protect a buyer’s right and ability to purchase a home in any neighborhood they chose.

As a result, agents can point you to sources of information on schools, crime rates, and population  demographics, but are not allowed to answer questions like “Is this a good neighborhood?” That’s YOUR decision.

3. Your needs and wants.

If you’re ready to begin working with your buyer’s rep, it’s time to discuss your housing preferences. Consider as many dimensions as possible, including your preferred home style, the number of bedrooms/bathrooms, how the rooms are arranged, desirable outdoor living features, neighborhood amenities, and commuting considerations.

Also, be ready to set priorities and tell your agent which features are “essential” versus “nice-to-have.” Most buyers are forced to make trade-offs.

4. The buyer representation agreement.

In the U.S., agents must comply with real estate laws that are unique to their state. Some states require agents to use buyer representation agreements, whereas other states make this optional or employ different laws concerning buyer representation.

Ask your agent to explain how they handle this aspect of your relationship. Buyer representation agreements are incredibly helpful for clarifying expectations and avoiding misunderstandings. You’ll know what services you’re entitled to receive from your agent, as well as what your agent expects from you in return.

5. Other real estate agents.

Once you’ve formed a relationship with a buyer’s agent, it’s important to disclose this to other agents encountered during your search. For example, if you drop into an open house, write down your buyer representative’s name, along with yours, when you sign in. (This helps other agents respect your relationship with your buyer’s rep.)

Also, it’s best to very tight-lipped about your home search. This includes refraining from expressing how much you love (or hate) a home’s features while touring properties.

Remember, other agents have vested interests in helping sellers find qualified buyers. If you become interested in a property listed by their brokerage, any information accidentally shared could hurt your negotiating position.

6. Compensation.

Everyone deserves compensation for the services they provide. That includes your buyer’s rep.

Most real estate professionals work strictly on a commission basis, which is only received at the end of a real estate transaction. (Commissions are typically split among several parties, but paid through the listing agent’s brokerage firm, using the seller’s proceeds on the sale.)

Talk to your buyer’s rep about their compensation. It’s an important detail that’s often misunderstood! The more you understood about what your buyer’s rep does for you and how they are compensated for their services, the better you’ll feel about working as a team to find your ideal home.

 

Blog Source: National Association of Realtors | 6 ESSENTIAL TOPICS TO DISCUSS WITH YOUR BUYER’S REPRESENTATIVE

READ MORE +

Know The Importance of SEO and Why Your Business Absolutely Needs It

People are searching online more than before even when they are doing a store purchase. And so whether you sell in-store or online, getting a better online presence is a must. Or you will lag behind your competitors, losing out on some great opportunities for your business.

You explicitly understand this, and so you want to invest in SEO for your business. And you also know SEO is a must for your digital properties and perhaps also its benefits for your business.

SEO will certainly improve website visibility by improving its searchability, but what other values does it offer? Why SEO is so important for a business these days?

Well, let us make it more explicit by having a look at some of the most impressive benefits. We will also look at why you should choose affordable SEO packages rather than making an in-house team, and many other things that you need to know.

But let us get started here with the benefits or reasons why your business needs to invest in SEO.

Organic Search, Crucial to Website Traffic

A website gets most of its traffic from organic search results. People heavily depend on those searches for information they use to make their purchase decision. This means organic search is also a critical component of buyer funnel and plays an important role in conversion and engagement.

So it is important for your business’s website to appear in the search engines’ top results if you want searchers to visit your website. But make sure to have a great landing page with valuable content for users so the users not only visit your site but also spend a good amount of time there. The more time people spend on your site, the better it is for your website rankings in search results.

But it is not easy to get a site in the top organic result pages. Even if you hire top SEO companies, it will take time for the result that is tangible to come out.

Trust &Credibility, a Crucial Factor of the Growth

How great products or services, people will not work with you if they do not trust you.  Earning their trust is very important. Once you build that trust it will become easy for you to boost and increase revenue.

The same is with Search Engines like Google. It shows up the websites that are reliable when bringing results to user queries.

So it is important to improve a website’s reliability in the eyes of search engines. But if you are business who does not have the SEO skills for improving a website’s credibility, you do not need to worry. These SEO packages are designed to deliver great results. And the best thing is that they are affordable.

Many elements go into building authority regarding search engines like Google. These are some of what plays a great role when it comes to establishing a website authority.

  • Quality backlink profiles
  • Positive user behavior
  • Machine-learning signals
  • Optimized on-page elements and content

However, establishing a brand as an authority takes patience, effort, and commitment along with a valuable, quality product or service that allows customers to trust a brand.

Better User Experience, a Crucial Factor for Better Ranking

For a user to revisit your website and stay there for a longer time, you ensure a better experience to the users. User experience is what can build or destroy your credibility.

If users have a bad first experience with a website, it is just that they won’t visit that website again but also it will have a negative impact on the image of your brand.

Google has learned how to define user experience as bad or good, and positive user experience has become a pivotal element to a website’s success.

Customers know what they need, and if they do not find, this will have a negative impact on your brand image. And eventually, performance will suffer, which might result in loss of revenue.

A good way of building a strong user experience is to learn how Google has become more and more of an answer engine to users’ queries.

More Traffic and Conversion for Local Business

With mobile searches growing fast, local search has become a crucial part of small and local business’s success.

Local SEO will help you optimize your digital properties for a particular location where your business is.  A good SEO company with expertise in local search engine optimization will build a medium for a brand’s messaging on a local level using different local SEO techniques such as local citations, backlinks, etc.

More Opportunities for a Business to Grow

An Investment in high-quality SEO pays in many ways apart from improving site visibility in search results and driving more traffic. In fact, good quality SEO will help you discover new opportunities and leverage them for your business.

Top SEO companies use the strategy that focuses not only more views and traffic but also on exploring everything they can for the growth of a business. A good quality SEO is the only way to truly market a brand with the passion and understanding that the brand earns the trust of its stakeholders.

Relatively Cheap, Best Option for Small Businesses

If you are a small business with not so big budget for marketing your brand, there is no way better than SEO. It is far cheaper than any other means or methods you can have for marketing your products or services.

And the best thing is that it works wonders, in fact, it has become an inevitable part of all your marketing efforts. Thanks to affordable SEO packages that will make a big difference in the way small businesses work.

Hire a SEO Company for Your Business

Many big companies have an in-house team of digital marketers. But the trend is fast changing. Even big companies are shifting to outsourcing to SEO companies. Because. This is not only because outsourcing SEO is cheap but because there are many other benefits associated with it.

  • It is relative affordable
  • You save time on managing a team that is not part of your core business
  • No expenses on employees such as gratuities, EPF, etc
  • No need to have a hiring team, and thus you save here also
  • And many more

Conclusion

SEO is crucial for your digital properties to work effectively. It increases your brand’s visibility, drives more traffic, and improve conversion rates. But that is not all. In fact, good SEO will also help you discover new business opportunities.

It is a boon for local businesses as more and more people are performing a local search to get information on a product or service. They do it even when they make a store purchase.

So we can say SEO is crucial to every business these days – no matter what they do.

 

Blog Source: Media Search Group | Why Your Business Absolutely Needs SEO

READ MORE +

The 5 Ways to Save Money on Your Mortgage

Mortgage interest rates have been near rock-bottom lows for many years but are likely to increase over the next few years. Even though you can no longer count on record low-interest rates, there are plenty of things you can do to make sure you save money on your mortgage loan. Here are the top five:

1. Increase Your Down Payment

By saving a little longer, getting money gifted to you by relatives, or selling off big assets, you could pull together a larger down payment. If you can bump up your down payment to 20% or more, you will avoid paying for private mortgage insurance, saving yourself hundreds of dollars each year. Plus, a larger down payment means your loan balance will be lower and require less interest to pay off. Interest rates are often lowest for those who can contribute 20% or more because those loans are much less risky to lenders.

2. Pay Points

If you pay some discount points at closing, you can buy down the mortgage interest rate, lower your monthly payment and save money on interest over the course of the loan. This plan works best if you plan to stay in the home for a long time. One point is typically equal to 1% of the loan amount, so you need to stay in your house long enough to start realizing the savings on that upfront outlay of cash.

3. Consider a Piggy Back Loan

While these so-called “piggyback” loans were more popular in the past, they are still possible and could save you money. Also called an “80/10/10” mortgage, this scenario involves, taking out a loan from one lender for 80% of the purchase price, contributing 10% yourself as a down payment and taking out a second loan to cover the last 10%. This is another way to avoid paying PMI and could help you get a lower mortgage payment if you pay off the second mortgage as quickly as possible. A piggyback loan often makes the most sense if you do not have a full 20% of your own money to put down. Be aware, though, that second mortgages often come with slightly higher interest rates and those rates are usually adjustable based on market conditions.

4. Be Willing to Negotiate

In order to save some money, it is important to talk with your lender. If you never ask for better terms, you will never know what you could have gotten. It won’t hurt to ask for lower fees or interest rates.

5. Improve Your Credit Score

And finally, if you do not qualify for the interest rates or terms you hope for, take a little extra time to improve your credit score. This involves making all payments on time for many months as well as keeping your total debt-to-available-credit ratio low. Do not open any new credit accounts while working toward a mortgage. Obtain a copy of your credit report to look for any inaccuracies. Clearing those up could increase your score almost immediately. While a score of 760 or higher is ideal, the closer you get the better terms and rates you will receive.

Don’t be afraid to ask your lender about even more ways to save money on your mortgage. They may offer special programs or give you other tips on how to reduce your home loan costs.

 

Blog Source: Mitten Mortgage Lending | 5 Ways to Save Money on Your Mortgage

READ MORE +

What You Need to Know About Good APR for a Credit Card

Having a good credit card APR saves money

When you’re shopping for a new credit card, one of the most important numbers to consider is the APR. A credit card’s APR, or annual percentage rate, is the interest rate applied to balances you carry beyond the grace period. The lower your card’s APR, the less interest you pay on your credit card balance. Even if you plan to pay your statement balance in full every month and avoid interest charges, knowing what’s considered a good APR for a credit card helps you understand whether you’re getting a good deal or whether you need to switch to a new credit card to save money on financed purchases.

Types of Credit Card APRs

Credit cards may have several different APRs, each applied to a different type of balance. Purchases and balance transfers often have the same ongoing APR while cash advances tend to carry a slightly higher APR. If you’re late on your credit card payments by more than 60 days, a penalty APR may apply to your credit card balance until you’ve made six consecutive payments on time. You can find the APRs for a credit card listed on the credit card issuer’s website. If you’re looking for the APR on your existing card, you can find it by logging into your account on the issuer’s website or mobile app.

Tip: When researching credit card costs, look for phrases such as “Terms and Conditions,” “Rates and Fees,” or “Pricing.” These words are usually in headings above or hyperlinks to disclosures about a card’s APRs.

What’s a Good Credit Card APR?

Credit card APRs tend to rise over time, so what counts as a “good” APR for a credit card also increases. The national average credit card APR is 15.09%, according to a February report from the Federal Reserve. On accounts assessing interest, the average is 16.91%. An APR below the average of 17.57% would be considered a good APR.

Credit card APRs change as federal interest rates change. Most credit cards have a variable APR, which means the APR is tied to another interest rate and changes based on the underlying rate. For example, many variable APRs are tied to the prime rate, which is the rate that banks lend to their best customers. Whenever Federal interest rates change, so does the prime rate and credit card interest rates change shortly after. Independent of external rate changes, credit card issuers frequently adjust their credit card pricing, so your card’s APR could change often.

Regardless of what the average credit card APR is at any given time, when it comes to the interest rate on your debt, seek out the lowest rate possible. In the end, finding a good APR depends on your credit score and the kinds of cards you apply for.

It’s rare, but not impossible, to find and qualify for a card with a single-digit APR. These cards may have few if any, perks besides the low rate. Credit cards offered by credit unions also tend to carry lower interest rates, but you need to be a member of the credit union to apply.

Types of cards with higher rates include rewards credit cards, store credit cards, and secured credit cards. Issuers tend to charge higher rates on these cards to cover the cost of paying out card benefits or recovering losses from people who don’t make payments.

How to Qualify for a Good Credit Card Interest Rate

Credit cards often have a range of rates. The rate you qualify for depends on your credit score. The most creditworthy applicants—those with higher credit scores— usually qualify for the lowest APR a credit card offers. On the other hand, if you have a lower credit score, an issuer may only approve you at a higher rate.

You can see the range of APRs a credit card offers, but you won’t know the exact APR you qualify for until your credit card application is approved. At that time, the credit card issuer will let you know the terms you were approved for, including the interest rate and the credit limit. You can improve your chances of qualifying for a lower interest rate by improving your credit score.

Comparing Credit Card APRs

You can get a feel for a good credit card APR by looking at the terms of several different credit cards and comparing them to each other. Make sure you’re looking at the same types of the credit card to get a fair comparison. Compare cash rewards credit cards to other cash rewards credit cards, travel credit cards to other travel credit cards, and so on.

Keep in mind, the credit card APR matters most if you plan to carry a balance on your credit card from month to month. Paying off your full balance each month allows you to avoid paying interest altogether, which is a good habit, especially if you can’t qualify for the lowest rates. Make sure you’re not spending more than you can afford to ensure you can pay off your balance each month.

While you can avoid interest by paying your balance in full each month, it’s helpful to choose a credit card with a good APR just in case you have to carry a balance. Making a point to pay off your full balances saves money on interest and keeps you out of debt.

 

Blog Source: The Balance | What is a Good APR for a Credit Card?

READ MORE +

BEGINNERS GUIDE IN BUYING A FIREPLACE

Electric fireplaces are growing in popularity as an easy and cost reduced alternative to installing wood burning or gas burning fireplaces. Before you buy an electric fireplace online, you’ll want to keep reading.

Below you’ll find a handy guide of the three most popular types of an electric fireplace, their functions, pros and cons, price points and how to plan for installation.

BUY AN ELECTRIC FIREPLACE ONLINE: OPTIONS UNDER $1500 AND 150 LBS

There are a few different types of an electric fireplace, each with different features suitable for different scenarios.

The first is arguably the easiest to buy and install, and many models are available at the lower price points. Indeed, top quality brands are available under $1500 CDN.

The wall hanging electric fireplace can come in various sizes, some no bigger than a wall covering, yet heats up to 400 sq feet with a dazzling array of flame colors and insert options. Think rocks, faux logs, crystal rocks, faux embers and more.

Often placed on a focal wall, in place of a painting or photograph, electric hanging fireplaces have been described as moving art. A longtime favorite of interior designers, hanging fireplaces add an element of “wow” to just about any space in a home or office.

The larger models, up to an incredible 100”  long, are often used for bigger homes or commercial spaces, in waiting areas or at the reception.

If you’re looking for the modern aesthetic that provides the ambiance of a fireplace with minimal inconvenience or effort, this may be the best kind of electric fireplace to buy online.

Another pro to this type of electric fireplace is that they don’t usually weigh that much, under 150 lbs even for a 72” length, which means it can be shipped inexpensively and in most cases, you won’t need a professional installer.

You’ll still want to follow the installation instructions carefully though; ensuring you are following framing, clearances, and proper electrical requirements. Each model will come with its own specifications that we recommend you read prior to purchasing your electric fireplace online.

The last thing you want is to learn on the day your fireplace arrives that your space isn’t suitable for what you had envisioned.

 

BUY AN ELECTRIC FIREPLACE ONLINE: DOUBLE SIDED

Double sided fireplaces provide two times the coziness and glow of a one-sided fireplace.

A double-sided electric fireplace is the next step up in investment and logistics, but in our opinion, the end result is well worth it for the additional benefits:

 

Space & Light:

A two or three-sided electric fireplace provides one of the most appealing ways to divide two rooms while maintaining a spacious, airy feel.

 

Anchor Point:

Completely open concept spaces can feel unanchored without a focal point. A double-sided fireplace can unite living and dining spaces by drawing the eye to the glow of the customizable flames.

 

Privacy:

A clever way to let in some light and space without compromising privacy, a double sided fireplace is a favorite go-between from master bedroom to ensuites to walk in closet.

 

Logistics of a double sided fireplace:

The two-sided fireplace will provide heat for a 400 – 500 square foot space, and like it’s wall hanging cousin doesn’t require gas hookups. The dual or triple sided fireplace is designed to sit flush to the wall, so it will require professional installation in drywall, a stone mock chimney or another surface.

Surprisingly light, many models of dual or triple sided electric fireplace still fit under the 150lb weight we consider relatively easy to deliver and move.

Priced from two to three times the price of the wall hanging electric fireplace, you can still get incredible value from some of the top manufacturers like Napoleon and Amanti.

 

BUY AN ELECTRIC FIREPLACE: AN INSERT

What is an electric fireplace insert?

Inserts are inserted into an existing wood burning fireplace

An insert mimics the more traditional styling of a hearth than the wall hanging electric fireplaces.

Typically, inserts are more square than the rectangular shape of the linear wall hanging electric fireplaces.

These are a great solution to those who no longer wish to use their wood burning fireplace

They require more logistical installation considerations than the wall hanging fireplaces, but less than the dual sided;  they’re a nice in between option.

If you’re converting from a wood-burning fireplace you’ll find an insert considerably warmer, less effort to use and more energy efficient.

Sizes are typically around 33’ to 40’ and they can still weigh below 150lbs.

 

BUY AN ELECTRIC FIREPLACE: DO YOUR HOMEWORK

Whether you choose a wall hanging, multi-sided or insert, before you buy an electric fireplace online, confirm the shipping costs and timeline, whether or not you’ll need to pay taxes, what happens should the electric fireplace arrive damaged, what the return and warranty policy is as well the reputation and reviews of the supplier and manufacturer.

You should be able to enjoy your investment for years to come, so as a rule and where possible, opt to spend a little more for a reputable brand.

Diamond Fireplace in Northeast Calgary has been serving Calgary and surrounding area for over 30 years. Their extensive showroom, award winning service and great after sales service has made Diamond Fireplace Calgary’s choice for electric fireplaces.

 

DISCLAIMER: This article is intended as a summary of electric fireplace options and isn’t shouldn’t be construed as professional advice appropriate for every situation.  Do your research and always read the safety precautions and user’s manual prior to purchasing and installing a fireplace to ensure you understand and consent to the requirements and safety precautions required to operate your fireplace. Some electric fireplaces you can buy online will require framing and should have a dedicated line to ensure safety. do your research and ensure the fireplace.

 

BLOG SOURCE: DIAMOND FIREPLACE & STONE | BEFORE YOU BUY AN ELECTRIC FIREPLACE ONLINE – READ THIS BEGINNER’S GUIDE TO THREE POPULAR OPTIONS

READ MORE +

Printing multiple cheques smartly in one go

Today everyone is trying to complete their work in less time, in an easy way and in a professional way. As Calculation of large numbers takes much time but calculators make calculation very easy and do the big calculations in a few seconds. So everywhere everyone is trying to consume time smartly.

If we have to write ten cheques manually then it will take too much time to write each cheque, and in manual writing, the chances of writing errors is more. Financial sectors like banks, organizations and companies etc who are specialized in money related work have need of printing software that prints multiple cheques in one go and save the precious time and to print cheques easily. Cheque printing software is the best solution for solving the manual writing problems. Cheque printing becomes very easy and hassle-free with the cheque printing software. This is very simple and user-friendly technology.

Cheque printing software is very easy to use and it auto-fills all cheque parameters such as payee name, date, amount in figures, amount in words, authorized person, company name and other options on any size of cheque from any country to a customary office printer. It has many useful features. It also automatically attains functions such as storing cheque information and other important details. This printing software is a real timesaver. Typo error-free feature makes your cheque error-free. Tamper-proof feature, it is very easy to stop the fraudulent of cheques inconvenient way. Cheque printing software has inbuilt feature of cheque alignment, import data from database, batch printing etc. This software eliminates the errors and automatically converts amount in figures to amount in words. Its alignment module ensures to write a cheque without mistakes.

Nowadays most cheque printing software has a feature of batch printing. Batch printing means to print the number of cheques in one go. It is the best way to print multiple cheques smartly. Batch printing tool is a real timesaver.

This cheque printing software reduces manual printing errors. In this software, three printing options are available as if you want to print one by one cheque select “print per cheque”, if you want to print multiple cheques at a time select “print all cheques” and if you want to print cheques in range then select “print by the sequence”. This feature is really very helpful to save our precious time without any printing mistakes.

Everyone can easily use the feature of batch printing. These cheque printing software’s support most office printer for batch printing such as inkjet, disk jet, laser, and All-in-one printers.

For Batch printing, users have to fill the parameters such as import payee name, Amount, Date and Description from excel file. Even if you want to skip any cheque from multiple files, you can easily skip that cheque.

Advance softwares like FastCheque, offers excel import module to import records from excel file and print cheques in 2 clicks and save all records in software.

As there is a benefit to print all cheques in one go and to skip the cheque with wrong cheque detail. So, there are fewer chances of a cheque issued by you being returned by the bank of the beneficiary. With so many beneficial features of cheque printing software, every individual and organizations are using FastCheque Software developed by www.delicatesoft.com

 

Blog Source: Delicatesoft.com | How to print multiple cheques smartly in one go?

READ MORE +