Some Recommended Work From Home Tips

Pretend to be in the office. Have a dedicated work space if you can. It’s easy to lose focus when you are working from home. Pretend to be working in the office to maintain self-discipline and keep yourself focused.

Prepare for distractions. It is impossible to avoid all the distractions that comes from being at home so set yourself some boundaries.

Create a to-do list. Planning your day is crucial while working from home. Plan a to do list and check things off as you complete them to keep yourself motivated.

Take multiple breaks. Keep yourself a schedule and ensure to take small breaks away from your work screen to go stretch your legs and make yourself a cup of coffee.

When it comes to meals, you should keep yourself in check and be on a good diet.

  • Eat energizing meals for lunch- iron (leafy green vegetables), protein (fish, meat, eggs) and complex carbohydrates (legumes & whole grains)
  • Include fruits, nuts & berries together with some juice in your diet
  • Drink a lot of water

Keep at schedule. It’s the simplest rule, yet the toughest to follow.

  • Set your alarm for the time one hour prior to your office hour
  • Freshen up and do the needful before settling in your work space
  • Before going ahead with work, set the timer for the end of your work time
  • Perform your tasks with full dedication
  • Shut your laptop down, as soon as the timer kicks in
  • Move away from your workplace and call it a day

Wrap it up at the correct hour!

Believing In Santa Claus: Big Deal Or Not?

How old were you when you stopped believing in Santa?
I do not think that I ever believed in the existence of Santa Claus. I can’t be 100% sure but I am pretty sure. For one – it helps not being in a Christian family and for two – unlike in some countries, mostly Western, it is not a big deal for families to have their kids believe in Santa Claus. I grew up in Kuwait – from birth till age 11 – and since then in India and my family is Hindu (even though I am an atheist, it was from the age of 13 that I started questioning and stopped believing in a deity).

Here is a question for you guys – is kids believing in Santa Claus (as a real person/entity, who lives in the north pole or near the north pole and goes to every house during Christmas eve and gives gifts to kids who are good on his list) such a big thing in North America and the UK? I have seen so many comments, mainly from mothers, who say that “I am not ready for my kids to not believe in Santa yet/know that Santa is not real yet”. To me it seems that it is a bigger deal for the parents rather than the kids. I dunno, since it is not even a question in countries like India. He is known as just another as just another mythical figure and I don’t even see Christians in India making such a big deal about Santa.

Probably because Indians don’t really give gifts for Christmas and it’s considered more of a family gathering, praying and big dinner time. We dress up like Santa (I’ve done it once), wear the hat, walk around and hand out sweets or chocolates. In colleges and offices they now have competitions of silly carol singing, dressing up as Santa and take a lot of photos. In some areas, usually towns and villages, people dress up as Santa and go house to house and get money from the home owners for whatever it is that they do. That’s usually about Rs.50 to Rs.100.

Prompt from 31 December Writing Prompts at Mama Kat’s Losing It

Tips To Grow Your Small Business

Are you looking to grow your small business? What you need is a solid growth strategy. To get on the road to success, here are a few tips to help.

1 . Improve your branding

All of the most successful businesses have stellar branding. Your brand is essentially the personality of your business. As The Branding Journal describes it, ‘Branding is the process of giving a meaning to a specific organization, company, products or services by creating and shaping a brand in consumers’ minds.’ Your branding is shaped by your logo and graphics, your voice, your content, your interactions, and your culture.

If you want to grow your small business you’ve got to build a brand that’s engaging, memorable, and relatable. You’ll need a brand story that evokes emotions, and shows your audience who you are. Start off by improving your market research, to gain a deeper understanding of your audience. Understanding your ideal customer is the key to building your brand.

2. Fantastic marketing

It’s impossible to grow your business without a fantastic marketing strategy. To help you devise one, it’s important to keep up with the latest marketing trends. There are so many ways to create an effective marketing strategy, including:

  • Work with influencers to boost your visibility.
  • Create standout video marketing content (whether it’s how-to videos or traditional ads).
  • Host webinars or live online events.
  • Get your customers to make CSR content.
  • Use social media ads to target the right demographics.
  • Your blog content can help you to engage users and boost SEO.

3. Expand internationally

If you want to grow your business you might consider expanding from your domestic market into international markets. Before you embark on this process you must conduct plenty of target audience research. You’ll need to figure out the demand in these new markets, and how you might need to adapt. Research your competitors, as well as the laws and regulations for international trade. You can simplify trade with a customs broker. Customs brokers can help you to meet the legal requirements of international trade, and avoid penalties.

4. Invest in your culture

Growing your business is about investing in your company culture. Creating a positive company culture will help you to attract and retain the best talent. Without talented staff, it’s impossible to grow a successful company. To improve your company culture today, consider these starting points:

  • Offer attractive company benefits, whether it’s healthcare or pension schemes.
  • Create an inclusive culture.
  • Support your team to bond, arrange social events, etc.
  • Provide training and development opportunities.
  • Regular check-ins with your staff, and help them to set goals.

5. Keep an eye on competitors

All businesses need to keep a close eye on their competitors. When you understand your competitors, it’s easier to beat them at their own game. Assess the quality of your competitor’s products, look at their content, and their customer service. Use your insights to make improvements, and set yourself apart. The important thing is to establish what makes you different. Why should customers choose you? If you don’t know the answer to that, you can’t expect your customers to know!

6. Collect feedback

Collecting customer feedback can help you to gain so much useful info. You can use your feedback to improve your products and content and keep on growing. Many customers are willing to offer their insights. If you’re struggling to collect feedback, you might like to offer your customers an incentive. There are plenty of advantages to collecting feedback, including:

  • Can build your brand to encourage trust and empathy.
  • Improve the customer experience.
  • Helps customers feel valued.
  • A great way to improve your products.

7. Use forecasting 

If you want to scale your business, forecasting is a great process to use. Business forecasting means making predictions about company outcomes, based on metrics. Making predictions can help you to prepare for the future, and make sound financial decisions based on the market. 

To support the process, there are several forecasting software options that you might like to use. Check out Vena, Prophix, and Oracle Planning cloud. Running your business can be challenging, but tools like these can make it easier.

The takeaway

Growing your small business can be difficult, but with the right plan of action, it’s easier to make it happen. The key is to improve the efficiency of your operations, making it much easier to save time and money. To make progress fast, start using these pointers today.

The Seven Days Of The Week

The reason why we organize our lives around a 7-day week is, quite literally, above our heads. Like many other calendars, today’s Gregorian calendar is ultimately based on the phases of the Moon. It takes the Moon around 29.5 days to cycle through all Moon phases. For everyday purposes, this is a fairly long and impractical time span, so it makes sense to break it down into smaller segments.

Enter the Babylonians. This ancient society, who lived in Mesopotamia in what is now Iraq, rounded the Moon cycle down to 28 days and divided this time span into 4 periods of 7 days each, using leap days to stay in sync with the Moon phases in the long run. This 7-day structure is also believed to have ultimately informed a number of popular creation myths, such as the Book of Genesis in the Hebrew and Christian Bibles, which states that God created the world in seven days: six days of work followed by one day of rest.

Avid astronomers and astrologers, the Babylonians developed a kind of horoscope around 500 BCE where each day of the week was assigned to one of the classical planets – the seven non-fixed celestial bodies visible to the naked eye. These are the Sun, the Moon, Mars, Mercury, Jupiter, Venus, and Saturn. Some historical sources claim that the connection between the days of the week and the classical planets was introduced later by the ancient Greeks.

However, historians generally agree that it was the Romans who, a few hundred years later, added many features of the modern 7-day week by adapting the Babylonian system to their world view. From around the 1st century BCE, they introduced a system where each day was named after one of their pagan gods, each of whom was associated with one of the classical planets.

For example, Saturday was dies Saturni, the day of Saturn and Thursday after the Norse god Thor as in Thor’s day!  Tuesday after Tiw (Norse Týr) was a one-handed god associated with single combat and pledges in Norse mythology and also attested prominently in wider Germanic paganism & Friday, meaning the day of the Anglo-Saxon goddess Fríge. The Norse name for the planet Venus was Friggjarstjarna, ‘Frigg’s star’.

The 10 Most Common Phobia Around The World

As it is the spookiest time of the years, I was wondering – phobias are surprisingly common, but what exactly do people fear the most? Are there any phobias that tend to be more common than others? The following phobias are ten of the most common objects or situations that lead to marked fear and symptoms such as dizziness, nausea, and breathlessness. In some cases, these symptoms escalate into a full-blown panic attack.

Arachnophobia is the fear of spiders and other arachnids. The sight of a spider can trigger a fear response, but in some cases, simply an image of an arachnid or the thought of a spider can lead to feelings of overwhelming fear and panic. So why are so many people terrified of arachnids? While there are an estimated 35,000 different spider species, only around a dozen pose any type of real threat to humans.

Ophidiophobia is the fear of snakes. This phobia is quite common and often attributed to evolutionary causes, personal experiences, or cultural influences. Some suggest that since snakes are sometimes poisonous, our ancestors who avoided such dangers were more likely to survive and pass down their genes.

Acrophobia, or the fear of heights, impacts more than 6% of people. This fear can lead to anxiety attacks and avoidance of high places. People who suffer from this phobia may go to great lengths to avoid high places such as bridges, towers, or tall buildings.

Aerophobia, or the fear of flying, affects between 10% and 40% of U.S. adults despite the fact that airplane accidents are actually very uncommon. Around 1 out of every 3 people have some level of fear of flying. Some of the common symptoms associated with this phobia include trembling, rapid heartbeat, and feeling disoriented.

Cynophobia, or the fear of dogs, is often associated with specific personal experiences such as being bitten by a dog during childhood. Such events can be quite traumatic and can lead to fear responses that last well into adulthood. This particular phobia can be quite common.

Astraphobia is a fear of thunder and lightning. People with this phobia experience overwhelming feelings of fear when they encounter such weather-related phenomena. Symptoms of astraphobia are often similar to those of other phobias and include shaking, rapid heart rate, and increased respiration.

Trypanophobia is the fear of injections, a condition that can sometimes cause people to avoid medical treatments and doctors. Like many phobias, this fear often goes untreated because people avoid the triggering object and situation. Estimates suggest that as many as 20% to 30% of adults are affected by this type of phobia.

Social phobia involves the fear of social situations and can be quite debilitating. In many cases, these phobias can become so severe that people avoid events, places, and people who are likely to trigger an anxiety attack.

Agoraphobia involves a fear of being alone in a situation or place where escape may be difficult. This type of phobia may include the fear of crowded areas, open spaces, or situations that are likely to trigger a panic attack. People will begin avoiding these trigger events, sometimes to the point that they cease leaving their home entirely.

Mysophobia, or the excessive fear of germs and dirt, can lead people to engage in extreme cleaning, compulsive hand-washing, and even avoidance of things or situations perceived as dirty. In some instances, this phobia may be related to obsessive-compulsive disorder.

Can Money Buy Happiness? Why Or Why Not?

Yes in one way or the other. If you have lots of money you can buy things, provide for you and your family and that makes everyone happy. There are ofcourse things that you cannot buy with money, like love, but you can buy stuff to make your loved ones happy and take care of them and make their lives a lot more secure and happy. This is another way that you can buy happiness when you see your loved ones happy.

So I don’t buy that old saying. I can do a lot of things with money. Buy comfort, the best house or accommodation, the best in medicine & medical care, the best in entertainment, food and drink! That is something that everyone cannot do for their loved ones. But imagine you had so much money that spending it for doing this all even for 45-50 people will just be a drop in the bucket for you and your wealth! I’m talking Jeff Bezos kinda rich! Yeah, I want that and more so I can do that for my loved ones.

Money buys you things and services and comfort and luxuries. Cures (well gets you the best medical care up to a certain extent) and takes care of your health needs. Gets you entertainment stuff so you aren’t too bored. Also gets you homes and keeps your loved ones in safe & comfortable homes. It allows you to travel as much as you want (pandemic permitting) and that too makes you happy. So all in all, money does buy you happiness indirectly and sometimes directly.

Prompt from OCTOBER BLOG AND JOURNAL PROMPTS at Living A Sunshine Life

6 Tips For Staying Hydrated

Both doctors agree, your best defense against dehydration is prevention. Follow these six tips to stay safe and healthy, especially when temperatures — or your activity levels — increase:

  1. Don’t wait till you’re thirsty to drink. By the time you feel thirsty, you’re already slightly dehydrated. Sip water steadily throughout the day and drink more fluids than usual when the weather is hot, especially if you’re active.
  2. Flavor your water. If plain water tastes boring to you, you can add flavor with fresh fruits or a splash of fruit juice. You can also consume clear broths, ice pops or sports drinks (especially if you’re doing intense exercise). Just make sure to limit caffeine and alcohol.
  3. Eat water-rich fruits and vegetables. Certain fruits and vegetables contain plenty of water in addition to healthful nutrients. Watermelon, strawberries, cantaloupe, peaches and pineapples are fruits with high-water content. Water-rich vegetables include cucumbers, leafy greens, radishes, celery, zucchini and tomatoes.
  4. Stay inside when it gets too hot. On very hot days, stay indoors in an air-conditioned environment. If you don’t have air conditioning at home, try a shopping center, movie theater or public library. Avoid sun exposure, especially between 10 am and 2 pm, when the rays are strongest. Plan outdoor activities in the early morning or evening.
  5. Dress for the weather. Wear light, loose-fitting clothing that lets your skin breathe. Dark colors absorb heat, so stick with lighter shades. Wear a wide-brimmed hat in the sun to keep your head cool and use plenty of sunscreen to avoid sunburn, which can increase your skin temperature and make it harder to stay cool.
  6. Be aware of the signs of dehydration (below). If anyone in your family is ill, pay attention to how much they’re able to drink — especially young children and the elderly. Anyone with a fever, vomiting or diarrhea should drink plenty of fluids. Do not wait for signs of dehydration to appear.


3 Reasons You Might Need A Locksmith

Whether it’s your home or business, getting locked out of your property can be highly inconvenient and stressful. Finding a trusted, 24-hour emergency locksmith in Toronto you can call when you need them, will give you peace of mind when you are in a pinch. Just like the name suggests, locksmiths are professionals who have been trained to work with keys and locks. They can replace locks, duplicate keys, and even break a lock, without damaging the doorway.

Lost or Stolen Keys

One of the main reasons why you may need to call a locksmith is you’ve lost the keys to your house or business. In such a situation, you may not have another option but to call a professional locksmith, who will help you gain access. Whether you’ve lost your keys or someone has stolen them, there is a high chance that someone could use them to access your property. If you’ve lost your keys or someone has stolen them, you should contact a professional locksmith right away. A locksmith will re-key or replace your locks and then make new keys.

Moving into a New Home

Some people assume that when they move into a newly built home they don’t have to worry about security issues. But if you’ve just moved in, you have no idea how many people have copies of your keys. There is a high chance that the builder already has a master key, which they used to get access to your home at any time. Apart from the builder, plumbers, electricians, drywall contractors, and flooring specialists, will also need to access your home at some point during the construction phase, meaning they might also have a copy of your keys. Once the building phase is completed, and you’ve moved in, you will need to work with a locksmith, to rekey or replace your locks.

Broken Keys

Due to metal fatigue and regular use, your keys will eventually undergo wear and tear. If the key breaks off inside the lock, then it can be very difficult to remove it. When you encounter such an unfortunate scenario, you should call a locksmith in your area. A residential locksmith will work on the lock, and then help you access your premises. After that, they can then re-key the lock, cut a new key or even replace the lock, if it’s necessary.

Why Video Dating & Online Dating Is A Good Option

Video dating sites & their dating apps have been embraced by today’s online generations as a perfectly acceptable way to meet new romantic partners. If there was any lingering stigma towards them, the current pandemic utterly obliterated it. a dating app’s best feature isn’t simply a community of cool users, but video functionality that lets you chat with other people in face-to-face fashion. This could lead to you finding that perfect better half.

In the U.S, for example, at least 30% of the population have used an online dating app or website at one point. The number of users keeps increasing, so do the dating sites. Worldwide there are over 1500 online dating sites. But, what are the benefits of online dating? Why has it garnered so much fame? People are craving human connection because staying indoors is frustrating. Therefore, more people are exploring the possibilities of finding a social relationship online. As it is, online dating is here to stay.

To start your journey on online dating, you only need a mobile device and an internet connection. You’ll either download the application or register on their website. The next step is to set up your profile, which includes information about you, your hobbies, beliefs, and the traits you are looking for in a match. Once you’ve entered this data, you get to the fun part of assessing your matches. You can swipe right or left, depending on whether you are interested in the person or not.

The app scans through a dozen profiles to connect you with a match. Every day you get additional suggestions of people you could be compatible with. Depending on your filter options, you only get suggestions for people within your preferred location, age limit, or other factors you singled out. You can travel the world by changing your location to another state or country and connect with people beyond your borders. You might be searching for your match in New York, yet they are in Tokyo. The feature increases your visibility.

You can either pass or pursue if your personality is compatible. With time, you can exchange contacts and take your conversation on other social media platforms to get to know each other. Another of the positives of online dating is that you can access any dating app either on a phone or a desktop. Most people prefer mobile devices because you are mostly with them and can check out your matches from anywhere. It is also cost-effective – Apart from the internet connection and the subscription fee, which is not a must, you don’t have any other expenses, unlike when getting to know someone offline, where each date translates to Uber fees, movie tickets, or dinner expenses.

Dishwasher Repair & Maintenance

What is the most common problem with a dishwasher?

The most common cause of issues with water flow in a dishwasher is a defective water inlet valve. If the inlet valve is malfunctioning, it may not pull water into the appliance when you need it. You may need an efficient dishwasher repair in Winnipeg if you face a problem with your machine.

Repairing a dishwasher can seem like a daunting task, but 80% of dishwasher repairs are rated by customers as “Easy” and on average, take less than 15 minutes to complete. There are several reasons to opt for repairing your dishwasher, rather than replacing it, if possible. It’s often more cost efficient, it’s better for the environment to reuse your appliance, and it’s a lot less of a hassle than shopping for and installing a new one.

Dishwashers typically last 10 years, but according to Consumer Reports, about 30% of new dishwashers require some type of repair within the first five years. If your dishwasher is a decade old, it might be worth the cost to replace it instead of attempting a repair.

Pros For Installing A Remote Starter For Your Car

If you are thinking about getting a remote starter installation for Cadillac or any other vehicle, you need to know the pros. By far the greatest advantage of having a remote start system is the convenience and comfort it affords. Whatever the weather, you can start your car and have it warmed up or cooled off and ready to drive as soon as you get in. And you can do all of this without having to leave the comfort of your home or office.

Also, many remote starter systems also allow you to unlock your car, which is nice since you don’t have to fumble for your keys if it’s raining, or if you’re in a dark parking lot and you need to get in your vehicle quickly. Another advantage to a remote starter is the ability to see via the 2-way remote if your car is running or not if your system has this function. This is advantageous in case the vehicle stalls, and you can quickly restart it.

A key advantage to a remote starter is that your car stays running while it’s locked, which is a big deal if you’re worried about someone stealing your car because you left the keys in the ignition to warm it up while you went back in the house. Or, if you have to leave your pet in the car while you run into the store on a hot day. A remote starter enables you to keep the car running with the air conditioner on and the doors locked, so both your car and your pet are safe.

Lastly, a remote starter is excellent for those times when you have your hands full either with the kids or with groceries. In addition to starting the car with a push of a button, many remote start systems also allow you to unlock the car as well, so even with your hands full, you can start the vehicle and get in without too much fuss.

Looking For Bin Rental Services

Trash removal is a vital aspect that ensures smooth execution of operations when running a business or for anyone that owns a home. It is important to have an area where you can toss away junk and have it transported away. Affordable bin rental services offer a perfect alternative that can solve waste management for companies and homeowners. You can get work done more efficiently by avoiding problems with delivery and trash pick-up, accidents, and other unaccounted costs.

When selecting a dumpster/bin rental service, a  factor to consider is the proximity to your home or business. A waste management company that is located further from you may fail to provide timely services; you may pay higher rates for the service to accommodate the cost of transportation. A dumpster rental service that is geographically close to your home or business will offer timely and better service than a dumpster company located far away.

Having your own personal bin rental on site is very convenient. Depending on how extensive your renovation is, you’ll likely have a lot of debris and materials to throw out at the end of it. Having a bin means you can do all of that right outside your front door, rather than making multiple trips to your landfill, often. You can spend more time focusing on your reno rather than getting rid of materials.

What Does It Mean To Be A Good Neighbour?

What does it mean to be a good neighbour?

I think a good neighbor should be friendly but not over friendly. You shouldn’t barge in on your neighbours lives or homes and you should respect their privacy. You should wave and smile and greet them when you see them but their waves and smiles back aren’t an invitation for you to go and hog their couch for the next 2 hours.

Buy or make food after you check and see their dietary preferences. The last thing you want is to make them feel guilty for food going to waste. Especially food that they spend time preparing. And don’t over do it either. Once or twice a month is fine but anything more than that is overkill and they may not be the kind of people who make a lot of things themselves and now they feel like they owe you something.

Be supportive and encouraging but you are not family. Help without asking or expecting anything back. Don’t be too affectionate towards their children – they are not your own or your nieces/nephews – but treat them like you would want their parents to treat your kids.

Prompt from 30 Days Of September Writing Prompts at The SitsGirls

What Are Some Plus POints To Being Single?

If you’re single, share something you love about it! 

Now I am not saying which is better. That is for each person to decide. However if you have read my blog for a while, you will know what I think about being single and being married. Anyways, since the prompt if about the things that I love about being single, let’s only look at the positive things about being a single guy.

You can easily stay in touch with friends. Trust me, it is easier for single men or women to be in touch with their friends, plan dinners out or drinks at a bat than it is for their married/married with kids friends. It’s hard to find the time to do much when you have a spouse and child to consider.One of the best things is planning a quick, on the spur of the moment night out with your buddies without having to check with anyone else.

Movie night selections, tv shows that you binge watch & music that you listen to is all yours to choose. I know a friend who has to listen to his heavy metal bands on the earphones only as his Karnatic Music trainer wife cannot stand to hear that music played loudly. And vice-versa! I pick and choose my movies that I watch over the weekend by Thursday and plan for tv shows to watch & rewatch all the time. No selection headaches, no compromises and no issues.

Making a decision for yourself will be less complicated. Now, I haven’t moved out of my hometown because of my parents but had the offers I received been really good (aka a really good salary that will afford me to life my lifestyle while also helping my parents) then I would have perhaps made the move to Bangalore or Chennai or Delhi a few years ago. Others can surely thrive if travel and moving is your decision alone.

Choosing the food to eat, the drink to drink is solely at your discretion. Today you don’t want to cook but want to order a pizza? Done. Chinese instead of the Indian cooking? Ofcourse. No time for checking to see what you can make at home so instead a burger and chicken wings? Why not? You pick the drinks and the food and you decide which day what you want to eat. Also guys tend to be a little bit more adventurous than women in general and may want to try some weird or odd combinations.

Prompt from 100+ Writing Prompts & Blog Post Ideas for September at Pretty Opinionated

8 Things Every Responsible Dog Owner Must Know

XX Things Every Responsible Dog Owners Knows (AKC Responsible Dog Ownership Month)

Having a dog in your life is one of the biggest joys you can have. The love of a dog is one of life’s greatest things ever and therefore we should give serious consideration to about the commitment that being a responsible dog owner entails.

Commit for the Long Haul – getting a dog is a commitment. You have to be sure you want a dog and can provide for him/her.

Make Time for Your Dog – dogs will love you no matter what. But they need and deserve that time and attention. Ensure to give it every day.

Provide Proper Identification – get your dog a collar with a name tag with your contact information. Consider micro-chipping your dog as well.

Spay and Neuter – If you do not have your dog spayed or neutered you may be contributing to the problem of millions of unwanted stray or pound dogs.

Don’t Be a Backyard Breeder – If you choose to breed your dog, be sure to follow the proper protocols and don’t just let the dogs birth in the backyard so you can make some money.

Keep Your Dog Healthy – regular vet visits and checkups. Stay off the foods that the vet says to keep them away from. Always provide plenty of fresh drinking water and an appropriate amount of quality nutrition for your dog. A place of shelter and comfort is also important for your dog’s physical and mental wellness, and exercise is a must.

Train Your Dog – some training is always good. Canine etiquette is not just for our benefit.  well-trained dogs are more content because they have been given a sense of structure. A well-behaved and properly socialized dog is less likely to upset people and pets in public places and will be more welcome at gatherings.

Respect Others – don’t let your dog bar throughout the day or worse at night. Pick up after your dog when you take him/her for a walk. Keep your dog on a leash or in a fenced-in yard when outdoors.

Prompt from 100+ Writing Prompts & Blog Post Ideas for September at Pretty Opinionated

Looking At Payday Loans?

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck. Payday loans charge high interest rates for short-term immediate credit. They are also called “cash advance” loans or “check advance” loans. If you are looking for payday loans in Missouri go through the details about the process first before you apply.

  • Payday loans are short-term, very-high-interest loans available to consumers.
  • Payday loans are typically based on how much you earn, and you usually have to provide a pay stub when applying for one.
  • A number of laws have been put in place over the years to regulate the high fees and interest rates with payday loans.

The basic loan process involves a lender providing a short-term unsecured loan to be repaid at the borrower’s next payday. Typically, some verification of employment or income is involved (via pay stubs and bank statements), although according to one source, some payday lenders do not verify income or run credit checks. Individual companies and franchises have their own underwriting criteria.

In the traditional retail model, borrowers visit a payday lending store and secure a small cash loan, with payment due in full at the borrower’s next paycheck. The borrower writes a postdated check to the lender in the full amount of the loan plus fees. On the maturity date, the borrower is expected to return to the store to repay the loan in person. If the borrower does not repay the loan in person, the lender may redeem the check.

If the account is short on funds to cover the check, the borrower may now face a bounced check fee from their bank in addition to the costs of the loan, and the loan may incur additional fees or an increased interest rate (or both) as a result of the failure to pay. In the more recent innovation of online payday loans, consumers complete the loan application online (or in some instances via fax, especially where documentation is required). The funds are then transferred by direct deposit to the borrower’s account, and the loan repayment and/or the finance charge is electronically withdrawn on the borrower’s next payday.

Types Of Retail Construction

In the retail industry, the look and feel of a building can be crucial to a company’s success. Retail construction requires an awareness of the long-term effects of projects, as well as an efficient design and construction phase. Retail construction is a maze of rules and regulations relating to accessibility, environmental impact, equipment safety, layout constraints, not to mention resource limitations and landlord-related issues. In particular, the latter represents a serious roadblock to success.

Common Retail Project Types:

Buildouts: A buildout involves a contractor demolishing the property on a space in order to rebuild one that fits the needs of the space’s new tenants.
Storefront: In a storefront project, a contractor is hired to remodel the front of a store in order to attract more foot traffic.
Remodels: Remodeling includes renovating and upgrading an existing space.
Rebranding: Rebranding, like remodeling, includes revamping an existing property. However, rebranding is less involved than remodeling and is focused on changing or upgrading the look of the client’s space.
Sustainability: A sustainability project is a project where the contractor helps a company update their space and “Go Green.”
Turnkey: Turnkey projects involve a client hiring a contractor to build or remodel a company for the client to eventually sell.

Should You Get A Used Appliance?

Everyone likes appliances and as we can’t even think of life without our appliances. And that’s because our appliances makes our lives so much more easier and effective. And who doesn’t love to have bright, shiny new appliances? However, I would say that at times we can also look at used appliances for sale. Whether you have a strict $200 budget, you want to prevent yet another hunk of metal from entering a landfill, or you’re looking to score a high-end appliance for less, Consumer Reports experts say that buying a lightly used appliance can be a smart move. That is, if you know what to look for and where to look for it.

It takes a little legwork, flexibility, and a willingness to live with a mismatched kitchen or laundry suite, but in return you can find a top-of-line appliance for a fraction of what it would cost new. And one of the biggest benefits is that in some cases, you may also get features that you couldn’t afford otherwise. And as far as the pandemic reasons go, new appliances are in shorter supply than they were before 2020, so if you need a replacement quickly, a used one could be a good option.

If you’re looking for a bargain, you know to shop around for sales and look for rebates. One other option? Buying used. There are the pros and cons that come with getting something that’s pre-loved — and where to find a gem if you choose to take the plunge!