Author Archives: Steve Volk

Find how to help a sex addict

If you know a sex addict, then you know that it is the type of person, who has sex without thinking at the potential consequences. The majority of sex addicts use it as a way to solve a problem when they suffer from loneliness, anxiety and other similar forms of stress. For a sex addict to be diagnosed, the cycle has to last at least 6 months. If it were to take a look at the statistics, there are millions of sex addicts in every state. But they are lucky, because as any other addiction, this one can be dealt with, through various ways. If you want to help a person who finds themselves in this situation, then you should check the following lines.

You should understand the sexual compulsion

If you want to help them deal with this issue, then you should try to understand what sexual compulsion implies. Nymphomania, compulsive sexual behaviour or hyper sexuality is a state a person experiences when they are obsessed with sexual activities, and their feelings and thoughts interfere with their health, work, relationships and other activities. There are times when this behaviour leads to enjoyable and healthy activities. But there are cases when the disorder leads to abnormal sexual activity and it involves fantasies that can be considered illegal or immoral. It does not matter what type of obsession the person you know experiences, it can ruin their life, so it is advisable to get in touch with a sex addiction counsellor in Canterbury.

How can you tell if a person is sex addicted

Few people can diagnose a sex addiction. It is quite difficult to do it, because the majority of people use this term to define different types of sex activities. This is the main reason why you should contact a specialist from a Canterbury Healthcare centre, if you have the suspicion that someone you know deals with this issue. The professional will be able to identify the right diagnosis, by excluding other factors. Some conditions can cause reactions similar to nymphomania, as mental health issues and drug abuse. The bipolar disorder, obsessive-compulsive disorder and attention deficit hyperactivity disorder can cause a similar behaviour, so you should not try to diagnose a person by yourself.

How can you recognize a sex addict?

There is not a clear answer on how to diagnose a sex addict. This disorder has many symptoms associated, and people find difficult to accept that one of their loved ones is dealing with such an issue. Some of the signs that your loved one is a sex addict are:

  • They are driven for abnormal sexual activities
  • They have intense sexual feelings
  • They have difficulties in building an emotional connection with a person
  • They consider sex as an escape method from their problems
  • They do not take into consideration the consequences of their sexual activities

As stated before sexual addictions has different forms and degrees, and in some situations, you can discern only some of the above signs. Seek assistance if you think that one of your loved ones is dealing with this issue.

Steve Volk

Leaving the UK forever? Don’t forget about the tax rebate

 

You have what is called an indecisive nature. Simply put, it’s hard for you to make decisions, especially important ones. Deciding to leave the UK for good was no easy thing. At first, you weren’t tempted to leave your home and go start another life. Soon enough, you understood that abroad you’ll have a better life. It’s not that the UK is a bad place. Far from that. It’s just that they don’t need your skills and qualifications here. More and more people leave Britain and, almost all of them, forget about the most important thing: leaving the UK tax refund. You probably thought that the HMRC doesn’t owe you any money, but they do.

Are you entitled to a tax rebate?  

If you haven’t been living under a rock, you know that the UK government offers tax free allowances. These allowances make it possible for you to raise certain amounts of money and not pay tax. From 2017 to 2018, the allowance was approximately £11,000. Taking into consideration that it is divided between salaries each month, you can leave the country without what is rightfully yours. The point is that if you have paid income tax and you are leaving the UK permanently, you need to head by the HMRC’s office.

Claiming a tax rebate when leaving the UK        

What you have to do is download the form P85 and send it over to the competent authorities. By doing so, you’ll be able to get financial relief and start your new life abroad with money in your pocket. Why is it so important to pass by the HMRC’s office? Because if you don’t, you will continue to be taxed.  The question now is if you’re willing to go through the process alone. Filling an application form is not brain surgery, but you’ll have to wait for an answer.

The best thing you can do to speed up the process is hire a company that specializes in such matters. Companies of this kind have established collaborations with the tax authorities, which is the reason why they are able to help. Another thing worth mentioning is that they help you determine who much is owed to you. It’s an option worth considering. So, what are you waiting for?

Don’t forget about the tax rebate

As mentioned earlier, claiming a tax rebate is the last thing on the minds of those who leave to settle abroad. They are more concerned with things like where to stay or to which school to send their kids. Sure, these are all important aspects, but so is claiming your tax back. Reimbursements don’t apply to all people, and if you’re one of the few lucky ones, it would be a shame not to take advantage of this opportunity.  You don’t even have to take care of things yourself. Specialists can act on your behalf. Do you know what? They do a better job than you.  Get in touch with a professional advisor and discuss your situation.

Steve Volk

Tips on buying a reverse osmosis system

If you have recently discovered the many benefits of installing a reverse osmosis system, and have decided to purchase this type of item yourself, you must be currently looking for offers. The market stands at your disposal with quite an impressive range of options, and without having too much expertise on the topic, you will probably have difficulties in choosing one. To make sure you are buying the best reverse osmosis system for your needs, here are the purchase tips you will need to follow

Costs

Because money is always an important consideration, regardless of the product you are buying, you should start your search by thinking how much money you can afford spending on this item. You should understand that the more expensive the system is, the better its performance will automatically be, however, that does not mean you will not find a good option at a reasonable price. Investing a larger amount from the beginning will be a great choice in the long run, because you will be able to benefit from perfectly filtered water for many years to come, in comparison with a cheap version, which might stop working even after a few months.

Size

The size of the system is also relevant. Although owning a larger option might be more beneficial from a performance point of view, the size should be chosen according to your available counter space. If the space of your counter is rather limited, adding a large system will only make the area seem more cluttered, and might also become impractical. Measure the available counter space, and select an option that will fit perfectly.  

Ease of installation

An important thing you should be aware of is that attempting to install the reverse osmosis system on your own might lead to certain inconvenience. Because you have never performed this type of task before, the installation process might seem stressful and time consuming. Well, you have two options – you can either buy a system that is known for being easy to install, or you can simply hire a professional to do it.

Effectiveness

How well the system works is of course the ultimate selection factor. Each system of this kind has a particular number of stages incorporated, and that aspect refers to the number of filters used by the system to remove particles from the water. The more stages a reverse osmosis system comes with, the more effective it will be, so if you want to benefit from an exhaustive water cleaning job, opting for five or six stages is recommended.

If you want to make sure that you are buying a reverse osmosis system that will meet your needs, considering the few purchase tips above mentioned will be necessary. Although the offers on the market might be various, not all products of this kind might make a good choice for your particular needs, so thinking a few relevant aspects through will certainly be useful. Remember that you should not make price your first purchase consideration if you want to benefit from a properly functioning system for as long as possible. 

Steve Volk

Selecting the right health screening clinic

Opting for a health screening package can be necessary in various situations, so if you are currently looking for a clinic that can provide you with this possibility, doing some research will be necessary. Once you start looking for options on the internet, you will stumble upon such an extensive range of offers that having some selection criteria in mind will be useful. A good company, such as Bluecrest health screening, can put at your disposal the best deal for your needs, so this is certainly not a decision that should be taken lightly. Here are the things that need to be done in order to make a reliable choice:

Find out what the screening package includes

The variety of health tests included in a screening can vary from one company to another, so if you want to take control of your health, and receive reports on any potential health complications, opting for an extensive package will be necessary. Does the screening offered by the company provide you with info on conditions that do not show symptoms? Heart rhythm, artery health, biochemistry check on the liver, cardiovascular health, body composition are only a few of the many relevant health concerns any good screening process should focus on. As long as the company includes an extensive range of tests, you can feel safe opting for their services.

Check Price

Money is usually a concern when needing a health screening, so finding out just how much the clinic charges for the overall process and for the health reports will be necessary. While some offers might be too expensive for you current financial situation, if you search properly, you will manage to find yourself an affordable alternative. There are still good health providers that value both affordability and service quality, so if you inform yourself thoroughly regarding the health provider’s reputation and fees, money will not be an issue.

Read Reviews

Last but not least, you can easily figure out just how convenient and beneficial a particular offer is just by reading some reviews. If you have come across a clinic that has caught your interest, and you want to be 100 percent certain that it is a reliable option for you, asking for references, or seeking client testimonials on the internet will be useful. What do other people have to say about the services received? Have they been satisfied with their health screening? Do they have any complaints? These are important questions to ask yourself, so do not skip this step.

These are the most relevant details you should think through before choosing a health screening package or another. Because the market offers so many possibilities, selecting the wrong option for your needs can easily happen. This is why you need to be properly informed and choose a clinic that will provide you with the best deal. If you keep in mind each one of these selection tips, you will manage to make a reliable choice, one that you will not end up regretting.

Steve Volk

Fashion items you should definitely own this season

 

No matter you are thinking about online or offline shopping, offers and sales surely make you want to buy something new to wear this season. Buying shoes for women from Spartoo or searching for that perfect bag you saw a while ago to match with them are just two of the things you will do without even thinking twice. If you are passionate about everything that’s fashion related, then you should know that trends change and you’ll have to keep up with these changes. It will be quite hard to stop when you start spending, but not going over your budget needs to be your main goal. Here are some ideas what to buy this year:

Shoes

Whatever outfit you may be wearing, you will have to choose matching shoes that can be both comfortable and good-looking. Usually, shoes tend to be kind of timeless and they never go out of fashion unless they are specifically made for a trend or another. Classic shoes like stilettos or monochrome flats can be combined in various ways, making them items that you will surely want to keep for as much time as possible.

Textiles

Fashion changes and this is the reason why some types of textiles become in and out of it. If silk is popular one year, the other it will be considered not appropriate for the latest trends. Fortunately, in the last few years fashionistas from all around the world decided that combining all kinds of textiles will do the job, instead using just a plain, single type of it. Do not be amazed if you see leather mixed with some kind of crochet or anything that may cross your mind. Combination is paramount for fashion and so is inspiration and creativity.

Leather

As mentioned above, leather is one of the favourites for this season. It looks amazingly good and if you choose the right place to buy leather clothing items you can obtain both a good price and qualitative materials. Leather can be mixed and matched in numerous ways, reason for it being so popular among fashion lovers. It comes in a variety of colours and you can actually find all kinds of items made out of it: pants, shirts, bags, shoes or even bras. Whatever piece of clothing you may think about someone surely created it with leather. It is a must of any season.

Denim

Who doesn’t fancy layered denim or a classic pair of jeans? Denim will never go out of fashion and in these last few years it reached its peak. Jeans of all kinds or denim jackets combined will result in the most comfortable, amazing-looking outfit you can put together. Why? Because with denim you can’t make mistakes – it is about classic items that remain modern through time. Choosing to wear layered denim should be done carefully, keeping in mind that not every nuance of jeans fits a certain nuance of a shirt or a jacket. Try looking for complete sets of denim if you are not sure how to match them properly.

 

Steve Volk

Selecting the right metal pressing company

 

Considering how many options you have the possibility to select from, when you are seeking metal pressing services, making a choice is certainly not an easy task. Because you probably want to benefit from the highest level of service quality, and if you might have complex requirements that not all companies can meet, doing some research before making a choice is certainly recommended. Once you start browsing the web in search for a metal pressing company, here are the most important aspects to pay attention to, aspects that will help you select the right services for your needs:

Experience

The first thing you can do, to figure out just how good a company offering metal fabrication, pressing and forming actually is could be researching their experience. If a said firm, such as Regent Engineers, has been in business for a long period of time, they have collaborated with many clients and their specialists are highly experienced, it means you can rely on their support. Besides being an indicator of their reliability, industry longevity and experience in metal pressing means the service quality will be of a higher level, which is certainly the aspect you are most interested in.

Customer service prioritization

A company that is characterized by professionalism and reputability will always understand how important client satisfaction actually is, and will handle every detail necessary to ensure their customer service department is carefully prioritized. How fast and explicit their respond to your emails or phone calls can tell a lot about a company, so focusing on this particular aspect can help you make a reliable choice faster. Simply by contacting the metal pressing company’s customer department, you can figure out if they are the right answer for you or not. Also, you can always ask for client references, or search yourself for testimonials on the internet if you want to be 100 percent certain that you are choosing the right option.

Costs

Money is always a concern, regardless of what type of service you are on the point of hiring. Because you might have a budget you need to stick to, researching the company’s fees thoroughly will be necessary. When it comes to metal pressing, fabrication and forming, you should be aware of the fact that the best of companies will automatically charge larger fees. It is up to you to decide if you want to put quality or money first, but the cheaper the services are, the chances are that the lower the quality will be. If you want to make an investment that proves to be worth it, be prepared to pay higher costs. 

These are the most important factors to take into account, when you are trying to find a reliable metal pressing company Because the market stands at your disposal with various offers, and some of them might not be able to meet your particular needs, thinking a few relevant aspects carefully through will be necessary. As long as you follow these few tips, you will certainly come across services that will not fail to meet your expectations.

 

Steve Volk

Moving 101 – Life hacks for those moving into a new house

 

Moving into a new house has never been an easy process, yet so many of us must go through the process at least once in our lifetime. Although it is a rather complicated process, certain tips will help you ease the entire it and make it a more enjoyable one. Professionals seem to be on the same page when it comes to investing in a public storage Brooklyn based, just long enough to arrange and tidy up your home in an easy fashion. But below you will find more amazing tips you should take into account when it comes to moving into a new home.

1. Public storage spaces

Public storage spaces are a great helper when it comes to moving into a new place. A great advice is moving all your important belongings there until you finish arranging the new place and bring it into the final form. By investing in a storage unit you will be sure that all your belongings are being preserved in perfect form, without damaging them in the renovation process. Finding a storage space appropriate for your needs shouldn’t be difficult since there are some useful tools available on the market. For instance, there is a platform specialized in comparing storage units in certain areas, like Brooklyn. Search for those tools if you want to find an affordable storage unit that meets all the requirements needed.

2. Organize your schedule

Before beginning the process, you must make sure that you organize your schedule. Don’t let everything on the last minute, because the entire process will surely turn into chaos. And you know what they say, chaos is a ladder. Make a plan with at least 30 or 60 days before. You will thank yourself later, we promise.

3. Pick the right transportation company

Depending on the distance between your current home and your future one, you might want to adapt your transportation strategy. For instance, if you are moving nearby, multiple roads may not be such a fuss. But, on the other hand, if the distance is more generous, multiple trips between the houses will cost you more and consume incredible amounts of time. As a result, for shorter distances, small vans are ok, while for longer distances you want large vehicles to transport your belongings.   

4. Label everything

Regardless of the fact that you will store your belongings in a storage unit or that you transport them directly to your new house, you want to make sure that everything is labeled properly. For instance, mark properly the fragile boxes, the boxes with your first-day necessities, and so on. This will make access, transportation and storage easier.

These are four pieces of advice you should always bear in mind when moving into a new home. Those will make the entire process easier and the usually dreaded moving process a child’s play. The storage unit tip, in the beginning, proves itself a lifesaver more than once.  

Steve Volk

How to cope with your child leaving for university

Seeing your kid all grown up and ready to take life into his own hands might seem a little scary at first. This is a feeling that each and every parent will go through no matter how attached or not they are of their little baby who is not little anymore. You should get used with visiting FindSpace Newcastle to select a place where you’d like your kid to stay. Coping with a child leaving in another city for continuing their studying can be the most complicated thing a parent is doing, but there are methods to get over it faster and understand better that there is no other option and everyone needs to follow their path in order to progress. Of course, it will not be easy for your child either so this is the moment where you need to communicate the most as a family. Besides that, there are things you need to make sure of, thinking rationally, before worrying about something else. Here is a mini-guide to help you out with the way you are thinking right now:

What’s to do?

The first thing you will have to do is make sure everything at the destination is alright. This way you will take a weight off your shoulders by acknowledging the safety of the place your loved one is going. 4 bedroom student accommodation in Newcastle is quite easy to find and it will assure you your child will have every kind of facility needed. Plus, making friends never been easier. Spacious dorms with more than 2 beds means a great opportunity to get to know your roommate. In addition to that, there won’t be space for any kind of boredom. There is nothing safer than having friends around.

What should I say?

You may be wondering how you should react by the time your child will leave. Well, you will need to make the best out of the time you have with them, spend it wisely and stop showing your incertitude and worries towards them. This is because if your child will see you bobbling about how far they are going, how hard it will be for you and so on you will transmit them a negative state of mind which will make them wonder if this is the right choice. Now, nobody wants that and it is completely unnecessary to do it. Gather yourself together and get over it. You will have a little time to spend with your child from now on so think about pleasurable activities you will all enjoy. Leave the worries behind and transmit as much positivism as you can.

How often should I visit?

As many times as you please without exaggerating is the right answer to that question. Of course, your kid will definitely like you to visit around when you have the time and you can no longer wait to see them. But going weekly or three times a month is not recommended. Even if you may think it is alright, your child will assure you it isn’t. Let your loved one enjoy university at its best.

Steve Volk

Witty and stylish ways to decorate your kitchen

When it comes to decorating a kitchen, some people feel like they have a limited possibility of creating a stylish space because this area is generally dedicated to cooking and eating meals, but this is a misconception. Even though appliances take up most of the space, you still have the opportunity to embellish your kitchen with high quality furniture and other elements. You can visit various showrooms and check different specialized sites like www.classique-interiors.co.uk that will help you decide what is the best option for your needs and tastes.

Open space and comfort

Let’s face it, when you have to deal with a small kitchen you must be witty and create the idea of open space in order to avoid the feeling of discomfort and claustrophobia, especially when you receive unexpected visits from your acquaintances. You should not think only about your family but also about possible guests who surely will not be happy with the idea of enjoying a delicious meal in a tight space. You must find certain ways to decorate the kitchen while ensuring their comfort and relaxation. Avoid installing too many cabinets and drawers because you can hang the cooking tools on the walls and take advantage of it by displaying your expensive tableware. An open space will also give you more freedom when preparing different meals. A witty method that you can use to maximize your kitchen is to incorporate glass because it will certainly have great impact from the visual point of view.

Add contrast

Regardless of the space you want to decorate, contrast represents an important aspect that you should definitely take into account. Feel free to combine different elements to avoid the feeling of monotony and boredom without letting yourself carried away and overcrowding the kitchen area. You still have to keep in mind the functional character while adding style and elegance. If the architecture does not have the power to raise your interest, you should not worry because there are other options. Start by combining different materials, for instance a countertop made of glass with furniture crafted from wood.  In addition, you can wisely add various shades that will give the impression of a larger space. Visit kitchen showrooms in Sheffield to get inspired and explore various models of furniture that will embellish your empty kitchen.

Floor and ceiling

When it comes to decorating, the majority of people think more about furniture, appliances, saving space and finding an interesting elegant style and less about the floor and the ceiling. This is a common mistake because people do not realize the effect linoleum with interesting pattern and colors can have at first sight. Moreover, this represents a smart way of decorating your kitchen because it does not require a great amount of money so it is both stylish and inexpensive. We can add the ceiling in the same category. In every home, you can easily spot the old white ceiling, but you should know that with the right elements you have the power to light up the room, literally and figuratively.

Steve Volk

How to fit a woodburning stove in your living room

Making the decision of buying a woodburning stove means you will have to decide where you’d like to place it. Interior design is not exactly for everyone and you need some kind of information or guidance before attending to do it by yourself. It is not impossible anyway, meaning that you will surely be able to put something together in order to obtain the expected result. Woordburning stoves Wakefield are accessible and you can gather inspiration from the Internet of friends’ homes. Here are some ideas to make a stove look good while getting your house warm:

Match things up

First thing you will have to do is make sure the woodburning stove you are buying fits everything else in your home. You surely don’t want to change all the furniture around your house because you decided to buy a new item that’s both decorative and efficient. Stoves usually come in metals or neuter colours so it should be easy for you to fit it properly. A stove is the centre of attention in a room, not only because it offers that amazing atmosphere you are searching for in cold days, but also because it’s comfortable to sit around it and enjoy a cup of tea. Using stonework or tile around it to accentuate the impact it has on the room’s décor is ideal. Plus, you will have to think about safety too.

Keep it simple

If you are going to overdo the area around your stove you will obtain a mess. Putting random things together just for the sake of filling space is not recommended in any situation. You will have to keep it simple and well-proportioned. In case you desire to add art around it, and then make sure it is safe to place a painting above the stove you bought. Try not crowding the space too much, especially if you own a modern stove.

Traditional versus modern

There are two types of woodburning stoves you can go for in terms of appeareance: traditional and modern. Certain houses require a certain type of stove just because of their structure and style. You wouldn’t want to bring a modern stove to a house that has nice traditional touches whose ambiance would be destroyed by such item. In the opposite situation, a modern house will never be appropriate for a traditional stove that adds that nuance of vintage. Fit the stove with the surroundings and don’t change everything in your house just because you decided to buy a stove to warm up your house. Think wisely about this before making any decision.

 

This being said, after you correctly chose your woodburning stove, all you have to do is place it properly in the spot you pictured it and start adding the finishing touches to it. It’s not rocket science but it requires the eye of a creative person who knows how to put together some items when needed.

 

Steve Volk

Signs you need property management software

You’re a skilled property management, so until now you didn’t need help with your rental operation. For some time now, it has been one challenge after the other. You’re in charge of a residential apartment block and you have been dealing with all kinds of problems that no one would like to savour. Your job has never been so demanding and you’re looking for a way to make things work perfectly once again. If you’re indeed dealing with property management issues, you should get block property management software. You don’t think that you can use such a system? If you’re on the fence about getting block property management software, take a look at the following signs.

You have accounting problems

Successful property management is all about accounting. Business is business and all the attention needs to be focused on the financial situation. There are times when you have difficulty keeping the records of your residential apartment block, despite the fact that you have solid bookkeeping knowledge.  What you have to remember is that you’re handling client’s money and you can’t afford to make any mistakes. You can hire someone to help you with the records. You can equally manage them by yourself with the help of a friendly program. A program like that created by Multi User Systems  lets you produce accounts, calculate interest, produce balances, and so on and so forth.

You always have bad tenants

You’re not one of the few lucky ones that have good tenants. On the contrary, all you seem to be getting is bad tenants, with whom it’s impossible to build positive relationships. If you’re getting bad tenants all the time, this is a clear sign that you should be using block property management software. This software helps you do a great job. This is due to the fact that you have detailed reports of what happened and when it happened. When you were in charge of only a few people, things were a lot simpler. But now you have a number of residents to worry about. Make your life easier and use the system. It’s totally worth it.  

You don’t have peace of mind

You have been using spreadsheets for the rental operation, but they don’t provide you the peace of mind that you need or want. Block property management software does. This program ensures that your data is safe, so you don’t have to worry that sensitive data will be compromised. Rental property management software is completely safe to use and there’s no reason why you shouldn’t trust it. Besides this, the system will be available when you need it the most.

Do you still think that you don’t need block property management software? If the answer is yes, you should better think again. A system of this kind helps you successfully manage a residential apartment block. Who knows? Maybe in the future, you’ll be in charge of more and more properties. If you do a great job, you’ll surely be in demand.

Steve Volk

Tips on choosing a translation services agency

 

The task of finding a professional translation service might not seem like such a complicated thing to do at first, but considering the extensive range of offers available, you can easily hire an agency that will fail to meet your expectations. This is why, it is important to have a few selection considerations in mind, while you are browsing through various offers. The Translation services by lingvohouse.com, for example, are already known to be of extremely high quality, and this is what you should be looking for. Here are some tips to follow, in order to decide on the best agency of this kind:

Experience and price

If you desire for the translations received to meet your every single need and requirement, you will need to hire people who are experienced in the field. Before resorting to one agency or another, make sure to find out for how long they have been on the market, and how experienced and qualified their translators are. Price is usually an important consideration, when making this type of choice, but although you should look for reasonable fees, you should not put price above experience. The better the services of a particular agency are, the higher their fees will probably be, so if you want quality, try not to choose a cheap service, which will most certainly be far from what you actually expect. So think about these two things first.

Reliability

You need to make sure that the translators you hire will be able to provide you with the translations you need, when you need them. Once you have worked out a deadline, the agency should be reliable enough to actually meet that deadline. Try to discuss about this particular aspect, and ask them to offer you a guarantee. It can cause quite the inconvenience if you do not receive your translated documents when you need them, so researching the agency’s’ reliability can prevent you from collaborating with the wrong people.

Positive client testimonials

Finding out what people think about the translation services of the agency will help you with your decision. Do some online research, and see what you can find on the topic. Knowing that others who have collaborated with the translators have been satisfied with the level of service quality received, will give you peace of mind, making your choice easier. If you are interested in translating important documents, being properly informed is a must, and that means searching for positive client references as well.

These are the most relevant tips you should followed, when you are trying to find yourself a reputable translation agency. Regardless of what type of translation services you are interested in, you probably want to benefit from top quality, so that means collaborating with an agency that has only experienced specialists and can provide you with a guarantee of their service quality. While searching online for options, you will come across enough offers, but not all of them will turn out to be what you require, so choose wisely.

Steve Volk

How to manage your business cash flow – the easy way

Keeping track of cash flow is one of the tasks that business owners should never neglect or ignore, because overlooking the smallest detail can have dramatic financial consequences for months to come. Of course, the entire topic of cash flow is quite complex and involves many aspects, but coping with payments and debt is one of the most important ones. There are many schools of thought as to which cash flow management approach is the best, but the biggest dilemmas revolve around debts and coping with slow payers in general. While some say that taking this task upon yourself is the safest course of action, modern entrepreneurs strongly support debt collecting and credit control companies.

The problem with chasing payments yourself

The concept of a company that doesn’t have to deal with slow or late payments isn’t exactly anchored in reality. No matter what you sell or where, payment problems are bound to appear at one point, so you should be prepared to deal with this situation. But, you should approach the problem the smart way. Many business owners feel that they should chase payments themselves, contacting late payers to get their money back, but this is rarely a successful endeavour. Apart from the fact that you might not even succeed in reaching the late payer, you could waste value time, time which you should be spending optimising processes and developing growth. Instead, you should let an expert deal with this problem. A company such as Racing Credit Control can help you contact slow or late payers and recover the money before your cash flow balance is affected.

If you choose to chase down payments yourself, you will discover that the process has its particularities, which are hard to grasp is you’re not aware of the professional practices. You have to send a lot of formal correspondence, deal with rejection, be persuasive without losing your cool. At the end of the day, you will discover that it’s much more productive to let a professional company deal with this aspect.

Why you shouldn’t wait for more than 30 days to recover debts

The problem with a negative cash flow is that it can quickly spiral out of control. The more you wait for debts to pile up, the more your finances have to suffer and, before you know it, you could run out of cash.

Whether it’s because of comfort or for fear not to anger their clients, many business owners decide to let things go and postpone debt recovery. However, that is not what a professional credit control company London would recommend. In fact, the more you wait, the harder it becomes to obtain the money you are due. Ideally, you should get in touch with an expert if the client doesn’t pay in 30 days past the due date. If more time passes, the chances to recover the money are lower, and, needless to say, your cash flow balance will have to suffer.

You can reduce the odds of dealing with debts by conducting a thorough credit check on all your clients and thus avoid those who have bad credit.

Types of clients you should deal with quickly

Every company needs clients to survive, but once you start noticing that these two types of clients, you have to be cautious.

  • Slow payers – these are clients who pay for your products and services, but are always late and you have to call them all the time to remind them. Although they don’t necessarily harm your business, they can affect your cash flow in the long run.

  • Bad payers – these are clients who delay payments for long periods of time or do not pay at all. They cause the biggest damage and if you have to deal with too many of them, your business will have to suffer. Ideally, bad payers should be investigated and avoided with the help of credit control companies.

Most importantly, both these types of clients should be treated with firmness. State your terms clearly from the very beginning and don’t let slow and bad payers control your business.

Cash flow problems and new businesses

According to the Small Business Administration, cash flow problems are extremely dangerous for start-ups. In fact, they are one of the main reasons they fail. This means that unless you take measures to keep cash flow in check, your business could be affected sooner than you think. After all, a small company doesn’t have the same resources and back-ups as a corporation, so you need to exercise extra caution.

Steve Volk

Signs you need to outsource late invoice collection

 

Running a business is far from being easy. You have to hire and lead employees, make hard decisions that can possibly affect the lives of others, and overcome risks. These are only some of the realities of your situation. As a business owner, you are also the guardian of the cash flow. One of the most frustrating things you have to deal with is unpaid invoices. Bills that are not paid in a timely manner affect the cash flow and, consequently, kill your business.

Chasing down payment for late invoices though London is not something you are looking forward to. Somebody has to do it. But that somebody does not have to be you. The best thing you can do for your business is hire a late invoice collection company in London. Such a company can help you keep your business afloat. Knowing when it is time to turn in your accounts to debt collectors isn’t easy. Here are some signs that might help you decide.

Failure to pay an invoice

There are times when customers are willing to pay their invoices, but they do not have the money. This is an unfortunate situation, yet it happens quite often. You cannot assume that customers are freeloaders just because they did not paid their invoices on time. There is the possibility that is was not their fault. Send an email to remind them that their invoices need to be paid.

Other times, customers send in checks that bounce back. The result is that the transaction cannot be finalised because there are not sufficient funds available. If you have not had any success, it is time to consider hiring Legal Debt Collectors. They can help you recover your money. While you concentrate your attention on running the business, the collections company will handle the debt collection process.   

Customers do not answer

You have been notified by the billing department that customers did not pay their invoices and that they do not answer phones or emails. What do you do now? Sending collections letters will not solve the problem. Hiring a late invoice collection company will, on the other hand. The reason why debt collectors are so good at recovering delinquent accounts is that they know which tactics and strategies work. If clients do not want to pay anymore, do the smart thing and hire a collections company. Do not let the unpaid invoices pile up on your desk. 

The debt is over 90 days past-due

An account is considered past-due when a payment is missed. It is not the end of the world if your customers are a little bit late. However, if the account is 90 days past-due, there is a serious problem. When invoices remain outstanding for more than 90 days, your business’ cash flow is affected, especially if you have no reserves to rely on. If there is a delay in payment, you will not be able to pay salaries, utility bills and operating costs.

Collecting bills that are 90 days past-due is not something you can do. Even late invoice collection companies struggle a little bit to recover outstanding debt.  What you have to understand is that a collections company has better chances of recovering delinquent debts. They have better chances than you, anyway.

 

Steve Volk

Home improvement projects with high return on investment

Most people consider a future home improvement project to fix an existing problem, fill a gap and increase their comfort. Sometimes, they simply want to make the living space more beautiful. However, it would also be a wise idea to know now just how much that project costs, but also how much value it has. While price is strictly the amount of money you’ll need to pay right away to a contractor to complete the project, value is the amount by which the project increases the price of your house should you decide to sell it in the future. Also, value can also be measured in the savings that project brings you in the long run. For example, some works increase energy efficiency and they decrease bill amounts considerably. If you’re interested in a home improvement scheme will pay off in the future, not just provide immediate benefits, these are the top ideas you should know about.

 

Insulation

Over the years, insulation has rightfully earned its top spot on the list of sustainable home improvement projects and energy studies show its efficiency time and time again. Usually, people decide to insulated their houses for comfort reasons. After all, without insulation, no one can hope to enjoy hot summers and cold winters. However, the experts at gni.ca say that there’s more to insulation than thermal comfort. Adding an insulating layer to the house and sealing all problem areas means that there is no more heat exchange, so the inside temperature stays constant. With no more temperature swings, HVAC appliances don’t have to be turned on as often, so you’ll have less to pay on energy bills. Needless to say, insulation increases the resale price of the property, because home buyers are looking for green, sustainable homes. A 2016 study showed that insulating the attic alone has a 117% ROI.

Efficient ventilation

Insulation and ventilation go hand in hand, which is why home remodelling experts recommend owners that they tackle both these projects at the same time to gain extra benefits. While insulation deals with the sealing of cracks and crevices in the house structure, ventilation deals with the optimal circulation of the air inside the house. Upgrading your home ventilation system will ensure better control over the indoor environment and indoor air quality, because you will no longer deal with fumes and vapors. In time, ventilation pays for itself and increases home resale value.

Replacing old windows

Windows play an important role in defining the architectural “personality” of the house, which is why most people replace them when they start to look old and outdated. It is a wise choice and real estate experts do agree that a house with new windows is easier to sell for a good price, but the financial benefits don’t stop there. If you are willing to spend a little bit more and replace your old windows with eco-friendly ones, you can also start saving money off bills. Windows create strong first impression and you shouldn’t underestimate the power they have on house hunters. Choose the right model and you might be able to raise the price by hundreds!

Front door replacement

Did you know that replacing your old door with a new steel door can bring you up to 100% return on investment? It might sound like a lot, but this percentage is high for two reasons: one, a better door made from a sturdy material provides better insulation and reduces noise pollution (provided that it is installed right, of course) and two, it allows you to raise the resale cost. Just like windows, doors make a lasting impression, so don’t feel guilty for spending more on a door with a unique design.

Roof repairs

Once every couple of years, it’s a good idea to contact a team of experts and have them inspect the roof for signs of damage. This is a great way to prevent leaking issues later on – especially if you happen to live in a region with heavy rainfall. Also, you can consider replacing the entire roof if you have issues with humidity and can’t turn your attic into a habitable space. Unlike the other projects on this list, roof repairs don’t necessarily increase the home resale price. A buyer will not pay extra just because there aren’t holes in the roof. However, roof repairs prevent the home resale value from dropping. Visible roof damage can lower the sale cost by hundreds, even if the rest of the building is in good condition.

Kitchen remodelling

Kitchen remodeling is another project with a high return on investment, but, keep in mind, only under certain conditions. If your kitchen already is modern and doesn’t lack basic features, then modernising it brings an average ROI of 67% percent, which is relatively low compared to the other entries on the list, so it isn’t an absolute necessity. But, if your kitchen is in poor condition and really needs an upgrade and keeping it as it is lowers the sale price, then by all means you should remodel it. In general, upgrades such as repainting the walls and sink are enough to keep a reasonable selling price and there’s no need to invest in state of the art appliances.

Solar panel installation

If the dramatic decrease in solar panel installation costs hasn’t convinced you to switch to solar energy, then perhaps the high ROI will. In the past 20 years, almost all governments have initiated rebate programs for homeowners who install solar panels. The amount of money you can get back obviously varies from state to state (you can use an online calculator to get an estimate), but it generally covers for more than half of the amount you paid. Add to that the fact that you will no longer be relying on your electricity provider and solar panels pay for themselves almost immediately!

Steve Volk

Which SIM only deals allow tethering?

 

The number of people choosing a SIM only option has significantly increased lately, because believe it or not, SIM only deals come with more benefits compared to monthly contracts for instance, and it’s not only about the amount of minutes and texts available. People can purchase a SIM only from nearly every specialized store whenever they want and benefit from some good deals. If you want to learn more about these deals, you can access websites such as https://www.techprevue.com/best-sim-plan-deals-may/. Today, most people are interested in getting as much data usage as possible in order to tether. Here are more details on what tethering is, what its benefits are and where you can find the best deals that also allow tethering.

What exactly is tethering?

You have probably heard about tethering for quite a while but didn’t get exactly what it is. Well, know that it’s a method utilized to turn a smartphone into a portable Wi-Fi router or mobile hotspot. Once you turn on the tethering feature on your smartphone, the device starts to create a localized wireless Internet connection, which can be used in order to connect any other type of gadget that provides Wi-Fi features, such as laptop or tablet to that smartphone.

What are the perks of mobile data tethering?

You may say that you don’t need tethering, because nowadays you can find Wi-Fi networks nearly everywhere, but you would be wrong. The truth is that the Internet is extremely accessible today, but you may go someplace where there is actually no Wi-Fi network available and that the only way you can get connected to the World Wide Web is via your smartphone. This is when the tethering function comes in to save the day. You can turn it on and connect your laptop to it in order to download or upload that important document you weren’t able to visualize correctly on a smaller screen.

Companies that accept tethering and what the related costs are

It is essential to remember that there are some companies that allow their customers to tether and there are some that don’t. That’s because sometimes tethering can be more expensive, due to that laptops or PCs that are connected to a tethered network for instance use a lot more data when browsing the Internet. Here is a list of the companies that allow tethering:

  • EE – this company includes tethering feature as part of their data plans on a regular month. However, they always ensure they remind their customers that tethering can use much more data on the phone.
  • Three – this company also has tethering included in their SIM only deals and Advanced deals. But only those on all-you-can-eat packages are allowed to tether a specific amount of data, because those that own pay-as-you-go and essential contracts have to pay some extra money in order to tether their smartphones.
  • Vodafone – they have always included tethering in their contracts and haven’t charged customers extra money for this feature. In case someone goes over the monthly data usage allowance, they do have to pay for what they used, but otherwise, they don’t have to worry about this aspect.
  • O2 – although on the company’s website people are advised not to use their smartphones as personal hotspots, because the gadgets aren’t designed for this purpose, O2 does allow its customers to tether.
Steve Volk

Things to consider when buying a sump pump

For anyone who does not already know, a sump pump is a device that helps you get rid of accumulated water in your sump basin (which is usually placed in the basement). A powerful pump can come in very handy especially if a flooding happened and you have no idea how to free your basement from the unwanted liquid guest. Choosing one means knowing the features of the device keeping in mind that it is hardwired to your house’s electrical system. A sump basin can overflow and cause serious damage if it’s not drained properly, so make sure you gather all the information you need over the topic. Here’s what you might want to consider:

Type

There are two main types of sump pumps, each with their definite characteristics:

  • Submersible – means that the pump is positioned on the inside of the sump with no chance of short circuits, is easier to mount, but it is more expensive than the other type and their life resistance is shorter
  • Pedestal – means that it is placed above the water, where it can be easily reached for further check-ups, but it’s a little more difficult to mount given the fact that it has an impeller with an extensive cylinder attached to it

Before choosing a type or another, make sure you check ratings for each product you are looking for. This way you’ll know for sure if the pump you are willing to buy is qualitative and fits your needs.

Operation

Besides the type of your sump pump, you will be interested in the way you are handling it. You can opt out for either a manual or an automatic sump pump. If you only need to activate the pump at your own will, you should select a manual pump that you can turn on or off any time you need. An automatic pump will shut down or activate accordingly to the level of water in your sump. Automatic pumps have more switches for pressure and float, plus they have a sensor for field effect (water levels).

Pressure

The head pressure your pump will apply is affecting the height of the water movement. You need to choose the appropriate level of pressure in order to avoid overflow. Phase and voltage matter too, so keep that feature in mind when you are choosing the product you’d like to buy. The size of the sump should be carefully measured in order to select the best pressure and voltage option for your location.

System alarm

If something goes wrong, you need to consider having a backup system for your pump. Alarms are a great method for noticing an emergency, taking into account the fact that you won’t check your basement every other day to see if your pump is working well. Testing regularly is an option too, but a backup system and an alarm could save you all the trouble. This way you will be able to sleep relaxed at night, knowing the water levels in your basement are within the right limits.

Steve Volk

The pros of hiring a lawyer in case of an accident

In the actual social-economical context, consulting a lawyer should become a habit. Choosing the right person to handle your legal business is a very important issue nowadays, not matter the conflict you are involved. You should have a lawyer next to you every time you take care of a certain legal situation, avoiding the potential consequences that may occur. Accidents are the most frequently met kind of incidents so here is why you should consult a specialist if you happen to be engaged into one:

Material damages

Material loss represents the amount of money and resources you spend as a victim in case of an accident. Hiring a lawyer will help you inform yourself about the damages and about what you should receive in return. The injured parties should know about the expenses implied and the only way to properly do that is with the help of an attorney. For example, the law in the United States of America happens to be really complicated to understand without the help of a specialist so it is recommended to search for a lawyer in California and take into account what services they offer.

Moral damages

As noted in court practice, moral injury consists of psychological suffering besides the material loss. This justifies the fact that providing only material compensation is strictly required. For each injured person, a difficult event means an incredible amount of pain and suffering which can sometimes change the path of their life. Claiming moral damages can only be efficiently performed by a lawyer, who knows exactly what kind of arguments he should be using in court. An accident can be really hazardous, taking into consideration the fact that death can be implied, so it is not something you can treat with indifference.

The actual knowledge of law

A complicated case such an accident without witnesses can be really tiring for a person with no knowledge of law. Understanding every tiny detail of this field of work is not possible without the help of a specialist or if it is, it won’t be applied entirely correct. Having someone who masters the secrets of law besides you will cast away any suspicion about the legal process itself. Consider informing yourself about the services lawyers in your area offer.

Costs

You may be surprised to hear that you will actually save money if you hire an attorney. Why is that? Because engaging in a legal process all by yourself will mean you will have to pay taxes and fees on your own. Keep in mind that some lawyers only charge if the case is won.

The other party

The main reason you might want to hire an attorney is for the sake of the other party who already did that. If you are innocent and yet the other party has an efficient lawyer you might facing a situation in which you are not the victim anymore, but the opposite. This can have a great influence on  the case, so inform yourself early about this condition.

 

Steve Volk