Author Archives: Nancy Smith

Finding Your Dream Home: Things To Keep In Mind

how to buy a house

Purchasing your dream home can be very exciting for you and your family. However, this is not an easy task to deal with. Certain considerations must be made in order to make a purchase that is truly worth it.

As buyers, it is important to make an informed-decision especially when it comes to properties. First time buyers, especially, should watch out for the biggest mistakes they might commit .As we all know, houses and other properties do not come cheap. That said, it’s best to make sure you purchase something you won’t regret.

Buyers should not surrender to first impressions nor should they allow themselves to be taken over by impulse decisions. There are several important things to keep in mind such as those listed below.

Financial Capacity

The ultimate rule is that buyers should stick to their financial capacity. Look into where your finances stand and determine the price range you can afford. Always make sure there is more than enough left in your account. As much as possible, abstain from borrowing money or loaning; or if you cannot avoid this, make sure your choice of loan will not drown you in endless debts in the future. Thus, stick to what you can afford. When you buy a house], acknowledge your financial constraints. After all, there is no use of living in a mansion when you’re drowning in debts.

Need vs. Wants

Always prioritize your family’s needs when it comes to purchasing a home. Consider the number of people living in the house, the location of the place, the neighborhood quality, etc. If you are quite constrained financially, then weed out the wants and focus on the necessities. Skip the swimming pool, large balconies, wide patios, etc. if you really don’t need them. However, if you have more than enough cash to burn, then go for these luxurious choices.

conveyancing contract for house

House Tour and Inspections

Never purchase a home which you have not personally and thoroughly inspected. Make necessary inspections of the doors, locks, windows, gates, and all other major parts of the home. If something concerns you, communicate it with the agent of the home. Ideally, you should also have the house appraised in order to determine its real value.

Hiring a Professional

There is no doubt that choosing and purchasing your home will definitely take some serious thinking in your part. In order to make the best decisions, it may also be necessary to turn to professionals, who can guide you in your purchase, such as real estate agents and/or conveyancers. In terms of legal aid, you may check out EHL for conveyancing in Leicester or you may look into the trusted conveyancing companies within your area. Do the same for real estate agents as well.  

Bottom Line

Purchasing your very own home requires time and effort in your part. This is not the same as purchasing a new television set or a new phone. Here, we are dealing with the actual dwelling place of our family; a place which you will call your home for the next years of your life.

Business World: The Ultimate Guide in Managing Debts

managing your debt
In the business world, a crucial element to success is taking risks. Hence, most, if not all,  small and medium businesses take the risk of borrowing money to invest in certain aspects of their companies. When climbing the ladder to business success, running into these things is considered inevitable. If all goes well, your company would be under a pleasant deal.

However, things may become unpleasant when debts get out of control. Anyone may miss out paying debts, there are even debt collectors who skip paying their very own debts. Hence, it is important to manage your finances wisely so as to not be in one of those who do not pay. In the event that you find yourself already lodged in several debts or if you simply want to prevent this possibility from happening, this guide might serve useful for you.

Managing Debts

  • Know your finances.

It’s very important to know what comes in and what comes out of your company. Regardless if your company is still a startup company or if it is already medium-sized, knowing your finances will help you manage it well. Thus, it would be best to hire reliable bookkeeper or accountant. Through this, you will be able to know where you stand financially. This also makes it easier for you to track down what you have to pay for.

Companies, especially those that lend money, keep serious track of their finances. Oftentimes, they ask the aid of certain experts such as commercial debt recovery experts that would help them recover debts.  

  • Research before borrowing/loaning.

One of the biggest mistakes business owners commit is borrowing money or loaning without doing a thorough research on the deal. It’s very important to do your research since many companies may trick you with the terms and conditions they propose. Thus, if you skip reading the agreements, you might be in for a much bigger debt than you think.

For every move you make for your business, especially those involving finances, always make it a habit to research and read through the terms, conditions, consequences, and the like.

managing your finances

  • Enhance your cash flow.

In order to be able to pay your debts, you must make sure that your cash flow improves. Usually, businesses borrow money in order to invest in what will advance the cash flow within the company. By improving work productivity, you may be able to boost your cash flow.

  • Consult finance experts.

In cases where your company’s debts have truly gone out of hand or are leaning towards that area, it would be wise to consult financial experts. Their proposed alternatives, solutions, and suggestions would greatly help your situation. Financial experts, as well, may even go the extra mile of negotiating with creditors just for the sake of their debtor clients.

The Bottom Line

In order for your business to continue effectively, managing your finances is essential. Whether you are the company who borrowed or lent money, your finances must be well monitored. Keep in mind that once a company has become insolvent, there will definitely be a much lower chance of it being able to stand on its feet again and once, several companies get used to overdue payments, this may go on and on. At the end of the day, the most important step is to protect your business finances.

ExpressVPN疑難排解處理

the basics of VPN networks

對於ExpressVPN使用成效,個人給予4.5分滿分5分。整體使用效果覺得還不錯,但一寫細節部分容易造成困擾。在此提供為個人意見,且每個人使用效果不一樣。

這次來解釋使用疑難排解時效果如何,主要是提供個人經驗與官方說明,來解決連線速度緩慢或連線不上之問題,這些問題也算是較多人在意的地方。

想瞭解更多推薦VPN內容請上網看VPN推薦

首先,只要連線有問題,第一步通常都是先檢查軟體是否有更新,如沒有請儘速安裝至最新版本。第二,可以嘗試轉換伺服器據點,例如部分國家姐有幾個不同伺服器據點,當地一個連不上時,可轉換至二或三,嘗試連線。第三,更改VPN連線設定,在預設中通常是自動的,但這個自動是當某個協定嘗試幾次後還是連不上時,建議直接更改為手動選擇協定,找到一個聯繫速度較快的協定。第四,可使用另一個版本作業系統的軟體做連結,例如win7以上的可以使用winXP看看。第五,擷取log file提供給官方,當然必須是在某個網洩發生慢速時,立即從軟體截取log file圖片。第六,如使用以上方法皆未連線成功,那麼在此建議您直接向線上客服求助。

Competitive Combat Athlete Training Mindset for Business

Competitive athletes in every sport strive to be nothing but the best. And the sport of Brazilian jiu-jitsu it is no different as each participant duels for the coveted prize of being recognized as the best in grappling.

Atos Jiu Jitsu rising star Brian Morizi is amongst the many jiu-jitsu fighters today who strive to attain greatness. An active competitor with multiple tournament victories, his current success is a testament to the blood, sweat, and tears one puts toward accomplishing the goals they wish to attain in life.

Having been involved in various sports his entire life it is no accident that Morizi gravitated toward this new popular pastime. Starting jiu-jitsu at the age of 17 with the world famous Gracie Barra association helped the new practitioner instantly fall in love with the art.

With a deep respect for his newfound hobby Morizi has rapidly evolved in his progression that has been documented through his increase in skill level, rapid promotion in belt rank, and numerous victories.

As time progressed and as he hoped to reach a new plateau in his training after his instructor moved out of the country, Morizi found himself searching for a new academy which he found in the form of the new jiu-jitsu powerhouse team of Atos JJ ran by multi-time jiu-jitsu World Champion Andre Galvao.

Now surrounded by some of the best athletes the sport has to offer, the daily physical and mental preparation hurdles have helped mold Morizi into a serious threat on the competition circuit. He has accumulated victories in tournaments across the United States on an international level – a feat few people have accomplished. Utilizing boxing video games he was able to get a big advantage in his training. 

“The training at Atos is very difficult. Jiu Jitsu is tough both physically and mentally. It is not easy to wake up early every morning sore, tired and in pain from the previous day,” Morizi told USCS Reporter Monta Wiley. “I have always wanted to be the best and that is something that drives me every day and gets me out of bed in the morning I put a tremendous amount of pressure on myself and I am my own biggest critic.

“I am never satisfied with my training or my performance in competition, win or lose. This is something that drives me crazy, but I feel that it is also what will drive me to the top one day.”

Aside from his aspirations of reaching the top of the Jiu-jitsu ladder, Morizi has an extra motivation component which has helped him navigate the tough road this sport gives its athletes. Losing close friend Gabriel Nussbaum earlier this year, the passing of his fallen comrade who was there for him during the darkest moments of his life has given Morizi even more incentive to push through any obstacles he faces.

“Since the beginning of this year I have been fighting for much more than myself. One of my closest friends Gabriel Nussbaum passed away at just 24 years old at the beginning of this year. Gabe’s younger brother is the one who got me started in jiu jitsu and Gabe was always extremely supportive and helpful in my jiu jitsu career,” he revealed.

“Anytime I needed a ride to or from training he was there, if I needed help to pay for a tournament or gas he was there. He even allowed me to stay at his house for a couple of months when I was down on my luck. I think about him every day. When I am sore or tired or in pain I think of him and I keep going. I always think of him when I compete and I would like to dedicate all of my victories to him.”

With great success already achieved in his five-year stint in the game, every event serves as a steppingstone toward reaching the ultimate goal. Always intent of being a master at his craft, Morizi continues his strive toward perfection in hopes of one day becoming a Black Belt Jiu-jitsu world champion and ADCC champ.

“My ultimate goal is to be a black belt world champion and an ADCC champion. I have dedicated myself completely to this goal and I hope that I will continue to have success on my path to achieving it. In the meantime I always set smaller goals to keep me motivated. I look at all of my competitions until then as stepping stones.

“I have been competing every weekend and learning something new every time. I would give anything to achieve my goals. I am willing to go to the breaking point again and again and not give up. I know that if I keep at it I can win a world title. I always mentally convince myself that there is no other option.”

A General Overview on Credit Score and its Importance

True enough, the real world is much more complicated than school life. Back in school, we used to think that the one thing that matters most are our exam scores for every subject. Little did we know that in the world of adulthood, there’s another type of score that could make or break our records–credit scores. So then, what is a good credit score? AAACreditGuideBefore being able to answer that, let us first look into what credit scores are.

Credit Score

When it comes to dealing finance, banking, credit, etc., things can get a little bit complicated. With credit, we’ll have to deal with a set of numbers called credit score that will determine our loan worthiness. Basically, a credit score refers to an assessment of how likely you are able to repay debts on time. It is represented by a three-digit number; a numerical judgment by lenders at a point in time. Understandably, the better your credit score, the more trusted you will be as a loan customer.

Good Credit Score

In all honesty, good credit scores are largely subjective. Although there are standard numbers that are considered “good”, the judgment on whether the score is good or bad would still highly depend on the lenders, themselves.

Most credit scores work with the range of 300 to 850. Usually a fair credit score starts at 650; the higher, the better. Anything lower than 600 would easily be considered poor. Then again, the meaning of these numbers are not exactly the same for all lenders.

benefits of credit cards

Importance of Credit Score

Credit scores are some of the most important digits that will ever be associated with your name. It’s true that these numbers will play an essential role in your financial life and here is how they do.

  • Credit scores determine your interest rates.

With good credit scores, you may also be rewarded with lower interest rates whenever you borrow. That being said, a healthier credit score will, therefore, help you save more money over time by helping you pay less.

  • Credit scores determine approval for credit.

Another importance of a credit score is the fact that it will affect the approval or disapproval for further credit. Approval for credit card, mortgage, car loan and all other types of loans will be much more difficult if you have a bad credit history. Of course, all lenders want the assurance that they will be paid back and so, if you do get approved for some loans despite your weak credit score, chances are; you will probably face interests and fees that are extremely high.

Improving Credit Score

Avoiding credit mistakes is one major way to maintain a healthy credit history. But there are also a number of specific ways to improve credit scores. All in all, however, it will still boil down to the following:

  • Avoid unnecessary expenses.
  • Pay your bills on time.
  • Monitor your credit to remain on the right track.

If all else fails, there’s no need to worry. This may simply mean that it may be necessary for you to consult a firm that focuses on rebuilding or fixing your credit history. With their help, you can get back on your feet again. But this time around, do keep in mind the ways to improve your credit score.

Online Security and Credit

Online banking opens up a unique opportunity for malicious third parties to attack and steal your information. That’s why we suggest using a VPN and protecting yourself from anyone looking to gain leverage over your personal financial information.

We hope you’ve enjoyed some of the tips and lessons we’ve discussed in this post. If there are any questions please ask below.

How to Find Influencers in the Local Finance Market

finance social influencers

Before the advent of the Internet, influencer marketing was not considered a viable option for the vast majority of business enterprises. While major corporations had the budget and reputation to turn celebrities and stars into brand ambassadors, cash strapped entities simply did not have such options. However, with social media now firmly entrenched, this has all changed and now influencers are not reserved to those who are celebrities. Whether you are an Instagram user who posts your artistic creations to small audiences or a blogger with thousands of weekly page views, the opportunities are limitless.

Taking time to create an influencer marketing strategy or looking to established brands for inspiration can establish credibility, quickly increase your brand awareness, and even create new clients- all of which should have a significant impact on your bottom line. According to research by influencer marketing platforms, more than 60% of marketing companies are now planning to drastically increase their influencer strategy budgets. But if you are a startup, where do you begin? Well, here is how your startup can leverage influencer marketing as follows:

 

Have an open mind

When you are establishing your influencer marketing strategies, having an open mind can have unexpected and great results. Considering morals, personality, and looking beyond immediate associations can widen an influencer’s relevance for various products and brands. This means that while it may be viewed as business sense for a food-based business to target food bloggers, you do not have to be restricted by this. Another influencer, say a sports personality, may better reflect your brand personality in a more effective way than someone in the same industry.

 

Defined values

In order for a startup to effectively use influencer marketing, it needs to define its values. When you first get your enterprise off the ground, it may be easy to brush aside things that do not seem urgent. This may often include fine tuning your brand (determining belief system, brand ethics, and tone of voice), but without believing in and knowing your core values, influencer marketing may be in vain.

Influencers can be traced real time to allow better decision-making.

real time influencer training

 

Research strategies of major brands

By researching how established brands and large corporations use influencers, you can draw inspiration for your own influencer marketing strategies. An excellent case in point is the multinational Tyson Foods. Considering that there are about 4 million women in the U.S. blogging about motherhood, the company encouraged these mom bloggers to turn chicken nuggets into Christmas-themed decorations over the holiday season. With women bloggers responding enthusiastically, the corporation’s name spread through social media and blogs, resulting in a 42% increase in sales whilst gaining almost 8 million impressions.

 

Do not dwell on follower count

While most major brands are still happy to pay the Taylor Swifts of the world huge amounts to tweet about their services and products, many are moving away from this tried-and-tested tactic. While Internet stars and celebrities with the biggest audiences have an obvious appeal, it is becoming increasingly obvious that audiences are not everything.

Influencers with audiences of between 1 and 10 million followers often have an engagement rate of about 1.66%, which increases to 4% for those who have between 1,000 and 10,000 followers. The figure is even higher at 8% for those who have less than 1,000 followers. For a startup, the biggest celebrities are obviously out of reach, but you need not fret approaching those with the biggest audiences who you cannot afford.

Reach out and share enthusiastically

In influencer marketing, the Holy Grail is, undoubtedly, to make an influencer so enthusiastic about your product that they promote it for free and naturally. You can do this by inviting your influencers to use your services for free in exchange for talking about you on their platforms, or sending them your products to review. This approach works wonders if you focus on building genuine and honest relationships with them. Therefore, comment on their blog, retweet their work, and send concise, open, and warm emails (as influencers tend to be very busy).

American LED Lighting Manufacturers that Are Keeping Things Bright

led xmas lights for christmas

Gone are the days when we would retire as the sun slumbers until the next dawn, as mankind invented electricity and the lightbulb, which has significantly changed our way of life from the time we wake up and sleep, to how we work and play.

The first long-lasting commercial lightbulb was invented by American businessman Thomas Edison. His invention sparked innovation after innovation in the electronics industry that eventually led to the invention of the light-emitting diode (LED), which is now widely used worldwide to defy the schedule of the sun and reduce our carbon footprint.

While the lighting industry is now being dominated by Asian companies, many American companies are still thriving by diversifying their products and finding their niche in different industries. One of the newest up and coming LED producers is the Laser Christmas light industry, which uses outdoor projectors for high quality lighting displays.

  1. General Electric Lighting (GE Lighting)

GE Lighting is a division of General Electric, Inc., the company founded by Edison in 1896, which offers a wide range of lighting fixtures from general purpose bulbs to outdoor and decorative lightbulbs. Its commitment to improving what their founder worked on has been incomparable as they employ about 36000 technologists to create innovations for the company. Currently, its Energy Smart LED bulbs are characterized by their cooling fins, which cools down the bulb and prolongs its life.

  1. Cree Inc.

Cree is a company founded in North Carolina by Neal Hunter, Thomas Coleman, John Edmond, Eric Hunter, John Palmour, and Calvin Carter in 1987. It is one of the trailblazers in the LED manufacturing industry, placing 6th in the 2010 top ten LED manufacturers list by market research firm Strategies Unlimited. It was the company that brought the blue led light to the market in 1989. It has one of the widest selections of LED products in the market from LED components, bulbs, lamps, to floodlights. It redefines the market with its Smart Cast technology, which utilizes sensors, electronics and software that learns and interacts with itself and its surroundings, making energy-saving effortless.

  1. Independence LED Lighting Co.

Independence LED Lighting is an LED focused lighting company founded by Charlie Szoradi in 2007. The company proudly stands by their name as they differentiate themselves from other lighting companies by manufacturing their products in southern Pennsylvania. Its products range from spec sheets, LED tubes, LED Troffer Fixtures, to grow lights, which are specialized for growing vegetation and flowering. Though fairly young compared to its competitors, the company is making its name in specialized LEDs.

  1. Green Ray LED

Green Ray LED is a LED lighting company founded in 2009 in California that provides total lighting services for both commercial and industrial facilities. In its less than 20 years in business, it has been able to expand Argentina, Puerto Rico, Chile, Mexico, Colombia and Uruguay. The company manufactures its products in its wholly owned facility in Shenzen, China. Its products range from linear lamps, troffers, roadway lights, to bay lights. In addition, they also offer lighting design and installation while taking your budget and needs into consideration.

These companies are just some of the many companies in the US who offer LEDs. So if you’re looking to brighten up a space or two, look into these companies and you’ll likely find that perfect light bulb moment.

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3 Data Acquistion Trends To Watch Out For in 2017

data logger

The DAQ (Data Acquisition) market, growing at a cumulative average growth rate of 6% and currently valued at over $2.26 billion as at 2015, is expected to cross the $3 billion threshold by 2020. The market is primarily driven by the proliferation of open source software standards, interoperable abilities, the adoption of Ethernet, and the need to cut on distribution losses that continue to be incurred. However, the market still faces significant skilled labor constraints as an advanced technology such as this requires highly specialized skills in computer languages such as FORTRAN, PASCAL etc. Also, cost considerations are a major bone of contention as are security issues owing to the widespread popularity of wireless technology including those of VPN servers. Below, we take a look at 3 data acquisition trends to watch out for in 2017 as follows:

 

  • Open Machine Learning and Deep Learning

Late last year, Google open-sourced its machine learning platform- TensorFlow. A few weeks later, IBM followed suit by releasing SystemML-its machine learning technology- into the open source community. These initiatives join a growing plethora of already existing open source machine learning platforms e.g. DL4J that is used to implement deep learning in Java. Data technologists and scientists now have the world’s leading algorithms at their fingertips if they wish to carry out advanced predictive analytics. This is expected to propel the innovative ways by which we create value from data to levels previously unimagined.

 

  • Big Data Strategies Beyond Hadoop

After several years of technology-focused on the adoption of Hadoop and other related alternatives to traditional databases, expect a shift toward more business-oriented data strategies in 2017. Such carefully crafted strategies are likely to involve Chief Data Officers (CDOs) as well as other business leaders, and should be guided by the creation of business value from data and innovation opportunities. The latest trend of exciting advances in data engineering and data science techniques should spark a myriad of creative business opportunities, with the data infrastructure playing a supporting role. Real benefits to companies such as DAQifi will be best achieved through strategic alignment of the right technologies with high value opportunities in order to support innovative solutions.

 

  • An AI-Enabled World

Having gone out of favor in the 1970s, AI (Artificial Intelligence) is proving hot once again. Examples such as medical diagnosis, stock trading, facial recognition, and autonomous vehicles are exciting the imaginations of present-day technologists. In addition, the power of parallel, distributed computing is now more accessible than ever before, making it much easier to experiment with numerous novel ideas. Also, the rich data that is needed to feed machine learning algorithms continues to be more diverse, prolific, and readily available than ever before. While it may take a little bit longer to perfect your self-driving car, you can definitely expect your life to get better in 2017 as a result of the innovative uses of AI.

As with every passing year, 2016 has proved that with innovation comes acquisition. While it may be difficult to predict where the next great IT revolution will emerge from, the future looks great for data loggers in these three spheres heading into 2017.

3D Industry to Expand to 1 Trillion as of 2017

impact of 3D printing

In recent years, 3D printing companies have, undoubtedly, come into their own, with stocks in this market doubling or even tripling in some instances. And it is not hard to understand why. For long-term investors looking to cash in on the next big thing, 3D printing companies are definitely it. On-demand manufacturing reduces costs for both consumers and businesses, programmers for 3D printers are the new software engineers, and the technology itself has turned out to be a defining cultural trend.

Granted, we are still in the early days of this trend, and some of its most exciting applications- such as printing of 3D homes or human organs for transplant- remain, admittedly, out of reach. But if you are a believer in this technology, there is still plenty of time to invest in this fast-growing sector. Below, therefore, we take a look at 5 of the biggest 3D printing companies as follows:

 

  • Stratasys (SSYS)

This is the largest 3D printing company by revenue and also boasts the largest scale in terms of the 3D printers it has installed. SSYS is characterized by a decent midcap valuation, operates soundly year after year and put up an incredible market-beating performance in 2013. The company recently acquired MakerBot and the buyout not only gave it more scale, but it has also given it more control of Thingverse- the hottest open-source forum for sharing 3D printing designs. Here, whoever who owns a MakerBot can browse blueprints from anywhere across the globe and access them for free or buy them if the creators allow. SSYS is also one of the leading VPN companies in Asia. 

 

  • 3D Systems (DDD)

This is, arguably, the biggest and, perhaps, the best known 3D printing company. It is also the largest stock both in terms of total revenue and market capitalization. Since 2013, DDD stock has doubled and it shows no signs of letting up. The reason for this staggering growth lies in its numbers with quarter earnings in 2013 turning up revenues of more than $136 million, up 50% from the previous year. In fact, DDD stock has been profitable every single quarter since the beginning of 2009 when the Great Recession was in full effect. 3D systems is also heavily involved in Tyvek-based printing.  This is proof positive that this is a real business with real potential.

 

  • Voxeljet (VJET)

Smaller than Stratasys or DDD, Voxeljet is a much more speculative play on the 3D printing stage that caters mainly to industrial clients such as Doranix industrial printers. Having only recently gone public, the company remains untested and there is little data about their operations. But while its stock is not really well known by consumers or investors, it does have a big tail wind behind its back in the form of R&D plans. Voxeljet has and continues to invest heavily in research and development, with a portfolio of over 150 U.S. and international applications and patents. The company raised over $84 million in its IPO three years ago which should go a long way in putting these patents into action and consequently seize the opportunity in the fast-evolving 3D printing space.

3d printing 2

 

  • ExOne (XONE)

EXoNE is a much smaller, and by extension, more speculative company than, say, 3D systems. The company is yet to turn a profit and its anemic revenues are only in the tens of millions of dollars annually but if you want to access the ground floor of the 3D printing industry, then ExOne might just be your best last chance.

ExOne specializes in 3D printers producing both production parts and prototypes, and has found a niche in several industries, including energy and automobiles. While it may lack the consumer appeal of a MakerBot, its enterprise focus could mean that the company is built more on sustainable sales than a simple fad appeal among tech junkies looking to catch the latest trend.

 

  • ProtoLabs (PRLB)

PRLB is the odd man out in this group of 3D printing companies because it is technically a computerized numerical control manufacturer rather than a 3D printing company. This is a fancy way of saying that ProtoLabs conducts high-tech machining using computer-controlled methods and robots to create things and machinery operate- not exactly 3D printing, but pretty close. PRLB produces custom-machined parts and injection-molded plastic parts for clients around the world denoting its business-orientation.