“Scalable business” sounds a tad scary for most laymen. To get everyone on board, let’s de-bone that. Scalability refers to the ability of a company to increase its production and cater to a higher number of people. Why would you want to scale? Two answers come to mind: growth and revenue. Everybody wants to maximize their revenue and drive growth in their businesses. Nonetheless, not all companies are ready to take off on this route.…
Even as the demand for mortgage loans has ramped up since the coronavirus crisis began, some aspects of the home loan market have changed. With millions of homeowners applying for mortgage forbearance, lenders have had to take measures to mitigate possible future losses. Some borrowers are seeing higher credit score requirements, for example. Fortunately, one of the things that has not changed for first-time homebuyers is the ability to use down payment assistance programs. Saving up…
You are midway through the process of closing on a new home or a refinance mortgage. Then you lose your job. In today’s coronavirus crisis climate, plenty of home buyers and homeowners have faced this situation. Can the home loan go through or is it curtains for your new mortgage? While becoming unemployed during the loan underwriting process is much less-than-ideal, there may be some rays of hope. Temporary or Permanent Job Loss Sometimes income…
NEW YORK, August 4, 2020 (Newswire.com) – During a time in which reliance on technology in the U.S. consumer market has grown exponentially, and the digital transformation of the American economy has rapidly developed, it appears as though tech leaders are making headlines with each passing day amid the ongoing global health crisis. For companies that are seeking ways to address key industry issues and connect with consumers and investors alike, Newswire offers an advantageous…
Do you have a lot of Junk in your home or business you are looking to get rid of? Don’t waste your valuable time and money doing it yourself or trying to organize getting a Dumpster. You should consider hiring a Professional Junk Removal Company like VanGo Junk Removal. Here’s a Top 5 reasons why you should hire a Junk Removal business when in need of getting rid of Junk. 1. Trust When it comes to…
The old saying ” One Mans Trash Is Another Mans Treasure” could not be more true in the Junk Removal Business. Everyday Junk Removal Businesses like VanGo Junk Removal located on Long Island New York, go out and remove people’s unwanted Junk. Now this Junk could find a new home. Donating unwanted items is one of the best ways to get rid of someones “trash”. Many Customers feel bad or guilty letting there unwanted items go straight to…
Are you like most people that use there Garages as a personal storage room? Packed to the ceiling with items you have collected over the years. Some items that you don’t even use or never will and some items that are just collecting dust. Once you can not see the floor anymore let alone get a car into your garage its time to call a Junk Removal Company to help you get your Garage Cleaned out. VanGo Junk…
Do you need help with garbage disposal right now? Trash disposal can be a very tiresome job especially if you do not have the right equipment, experience, and knowledge on how to do it. The process involves collecting, hauling, and delivering the trash to the recycling facility or junkyard. This means that you must have a truck for transporting, proper trash handling clothing, and equipment for you to be able to properly dispose of the…
75% stock/25% bond. That’s the current asset allocation of a portfolio that was 50% stock/50% bond at the outset of the current market rally—which stretches back to March 9, 2009. If the hypothetical investor had added more money to stocks during this period, as investors are often inclined to do when stocks are going up, the equity allocation would be even more lofty. By any reasonable standard, it’s time to rebalance—to cut down the portfolio’s…
One of the questions I’m most commonly asked when holding social media training sessions is “how do I use hashtags for my business?”. These days, I think most of us are familiar with the concept of hashtags, but how to use them effectively, well that’s another issue. To recap…. What is a hashtag? A hashtag can be recognized by the use of the # symbol, ie. #socialmedia. A hashtag is a curation device and is most commonly…
It’s easy to think that your work is done when you walk out of a meeting. But the decisions made in the room will only be effective if you carefully follow up. Start by writing a succinct summary note, describing what was discussed and clear action steps. Attach any notes from the meeting. Draft this in a way that allows others to forward your message to anyone who missed the meeting or who cares about…
As COVID-19 continues to impact the world, and the precautionary measures continue to rise, many of us are implementing social distancing and are being urged to work from home. Working from home has many advantages. However, the #1 disadvantage of working from home is the decrease in productivity and motivation. Increasingly people are being asked to work from home due to the global pandemic. Working outside an office or your usual work environment can be…
Operating your commercial HVAC system is about more than just maintaining a comfortable temperature-it’s also about keeping operating costs down. Are you utilizing every available resource to improve efficiency? Commercial Energy Audits Identify Wasteful Practices The first step is to pinpoint sources of energy waste. An energy audit provides a room-by-room, inside and outside look at your business’s current energy consumption. Things such as air leaks, wasteful lighting, meandering air ducts, unnecessary heating and cooling,…
With COVID-19 here, there is only one thing for certain: we’re going to be spending a lot of time at home. Not only are schools out and children doing online school, but adults everywhere who aren’t considered essential service workers are now working from home. With all of the worries and concerns about the coronavirus, you might not have yet had the time to ask yourself, “How will this affect my utilities?” Naturally, spending more…
Hopefully this won’t jinx the whole thing but I am starting this post before we finish the greenhouse – since it is taking so long!!! I really cannot think of anyone who would dislike greenhouses but for me, greenhouses are my happy place and this greenhouse has been in the works since we bought the house. After purchase we asked my brother-in-law to check out the part of the garden/house where we wanted so we…
Most of my postings make it sound like we are completely isolated here. I did enjoy having time as a family when we arrived but we are by no means alone. The valley in which we live, the town, even the neighborhood, are all full of very interesting people and things to do. The thing is, everybody is so very different from each other. I’ve been trying to learn more about the area, reading about…
The California Consumer Privacy Act (CCPA) was enacted in June 2018 and effective on January 1, 2020. Although enforcement by the California Attorney General (AG) has been delayed until July 1, 2020, the AG has specifically advised that the gap between January 1 and July 1 should not be viewed as a safe harbor. Before the current COVID-19 pandemic, the AG had indicated that his office intended to aggressively enforce the CCPA. Several industry groups…
The California Attorney General released an alert on April 10, 2020 to remind consumers of their privacy rights and provide information on how consumers can stay secure as they spend more time online during the current pandemic.* The alert specifically reminds consumers of their new privacy rights under the California Consumer Privacy Act (CCPA), including the following: Right to Opt-out of the Sale of Personal Information (PI): Consumers have the right to opt-out of the…
By Bethany Hayes.. The Best Mother’s Day Gifts Ideas Mothers are like superheroes! They cook, clean, take care of little kids, work, and somehow manage to stay sane – for the most part. Mother’s Day is a day when you need to let the special mothers in your life know how much you appreciate everything that they do for you. Trust me; mom is going to appreciate anything that you give her! That might be…
Sometimes, you just want to get away from it all, including other people. Beaches are a popular tourist destination, inviting families and young kids to play in the surf and sand. While fun, the popular beach destinations may not be for you if you’re looking for quiet and solitude on the beach. What you need is one of the best-secluded beaches in the United States. By Bethany Hayes. While families tend to flock to the…
Practicing yoga everyday has incredible benefits; stress relief, flexibility, increased focus, and a overall sense of wellbeing. Making the intention of practicing everyday is one thing, following through with that intention can be more challenging than expected. When most of us thing of yoga, we think of the physical poses, such as Downward Facing Dog and Warrior 2. Although the asanas (physical postures) offer many benefits, yoga also consists of meditation, breathwork, moral disciplines, and…
