Steps to manage your small business credit card

 General  Comments Off on Steps to manage your small business credit card
Apr 082022
 

Business credit card is the most popular form of credit card available and since the receiving end of credit is always a pleasure business credit card increase this pleasure that meet your business needs. Small business card provides various intangible benefits to small businesses in addition to the regular perks.

Effective small business credit card management

1. Apply at home


You should always apply for your small business credit card at your existing financial institution because your banking relationship can help you in the approval process. So when you need to have a line of credit you will have an established relationship with your lender that could help you with credit applications over $100,000 not using automated scoring systems.

2. Limited card hopping


If you sign up for multiple credit cards to get the advantage of deals this could leave a negative impact on your credit rating and shall make your credit card management even more difficult.

3. Make use of grace


Most of the small business credit cards offer 21 day grace period before they ask you to make payment on your purchases. You can improve your cash flow using a credit card instead of checks because a new check 21 act creates quicker clearance of checks.

4. Online payment


If you make online payment of your small business credit card, it will save your time and any extra costs involved as would be the case when you pay at your local branch or through mailing your payment.

5. No cash advance


You need to reduce your credit card fees and interest costs by not using the cash advance feature on your card. Cash advances incur more fees and costs and therefore you can use your business account debit whenever you require immediate funds.

6. Don’t make late payments


You should avoid late fees and high interest rates that can erode the advantages of using your small business credit cards quickly. Try to be responsible by paying off your business credit each month.


Always treat your business credit card ownership as a privilege and you can avoid the disastrous effect of credit card mismanagement. Visit our recommended website credit-card-debt-consolidation-guide.info

Buying Your First Home

 Flowers  Comments Off on Buying Your First Home
Apr 072022
 

Buying a house is probably the biggest purchase anyone makes. Although high house prices may initially discourage the first time buyer first time buyers will always be a favoured client for the mortgage lenders and estate agents. Here we give you some tips on buying your first home.

The interest rates are at their lowest for more than 30 years. Lenders who want to secure your
mortgage over a long term are keen to win your custom and offer particularly good deals for first time buyers. Sellers too are always keen to secure a deal with a first time buyer because your purchase does not depend on anyone else and therefore the likelihood of the sale going through is very high. If you set up an agreement in principle With a mortgage lender before you start viewing properties you are in effect a cash buyer and are in an excellent bargaining position.

The first step to buying your first property is to know how much you can borrow. Lenders usually agree to three times the first income or if you are buying as part of a couple, three times the first income plus the second income, or two and half times the joint income. However it is sometimes possible to borrow four or five times your salary. You can approach lenders yourself or you can enlist help from a financial adviser. This is usually a free service to you and by using someone who is experienced you may find the process less stressful.

When you know how much you can borrow be sure you can afford the mortgage repayments, the costs involved in buying a property and the costs of running a property.

Costs you will need to budget for when buying your first property include a deposit (normally 10% payable when the contracts are exchanged), stamp duty (1% if the property is between £125,001-£250,000; below this figure there is no stamp duty), a valuation fee to your lender (variable depending on what type of valuation you choose), your legal fees including local
searches and disbursements (around £500) and moving costs (variable depending on whether you use a removal company or are able to move yourself). Once you are in your new home you are likely to need some funds for furnishings and decoration.

You will also need to consider the costs of owning a home. These vary according to your home and area. Common bills are council tax, maintenance, buildings and contents insurance, amenities (to include electric, gas, water and telephone). If the property is a flat or apartment then there may be service charges. Also insurances such as accident, sickness, life are available though not obligatory.

Buying your first home is exciting as well as a big responsibility. If you are ready to make the big step, then good luck! To find your new home go to http://www.wheresmyproperty.com – the UK Property Search Engine listing around 900,000 properties from 1000s of estate agents.

Ayurvedic Medicine What Is It?

 Flowers  Comments Off on Ayurvedic Medicine What Is It?
Apr 062022
 

In the United States, Ayurveda is considered a type of complementary and alternative medicine (CAM) and a whole medical system. Many therapies used in Ayurveda are also used on their own as CAM – for example, herbs, massage, and yoga. As with other such systems, it is based on theories of health and illness and on ways to prevent, manage, or treat health problems. Ayurveda aims to integrate and balance the body, mind, and spirit. This balance is believed to lead to contentment and health, and to help prevent illness. However, Ayurveda also proposes treatments for specific health problems, whether they are physical or mental. A chief aim of Ayurvedic practices is to cleanse the body of substances that can cause disease, and this is believed to help reestablish harmony and balance.

Ayurveda is based on ideas from Hinduism, one of the world’s oldest and largest religions. Some Ayurvedic ideas also evolved from ancient Persian thoughts about health and healing. Many Ayurvedic practices were handed down by word of mouth and were used before there were written records. Ancient books, written in Sanskrit on palm leaves are more than 2,000 years old and thought to be the first texts on Ayurveda–Caraka Samhita and Susruta Samhita.

Ayurveda has long been the main system of health care in India, especially in urban areas. About 70 percent of India’s population lives in rural areas; about two-thirds of rural people still use Ayurveda and medicinal plants to meet their primary health care needs. In addition, most major cities have an Ayurvedic college and hospital. Ayurveda and variations of it have also been practiced for centuries in Pakistan, Nepal, Bangladesh, Sri Lanka, and Tibet. The professional practice of Ayurveda in the United States began to grow and became more visible in the late 20th century.

Ideas about the relationships among people, their health, and the universe form the basis for how Ayurvedic practitioners think about problems that affect health. Ayurveda holds that:

All things in the universe (both living and nonliving) are joined together.

Every human being contains elements that can be found in the universe.

All people are born in a state of balance within themselves and in relation to the universe. This state of balance is disrupted by the processes of life. Disruptions can be physical, emotional, spiritual, or a combination. Imbalances weaken the body and make the person susceptible to disease.

Health will be good if one’s interaction with the immediate environment is effective and wholesome.

Disease arises when a person is out of harmony with the universe.

Ayurveda also has some basic beliefs about the body’s constitution. “Constitution” refers to a person’s general health, how likely he is to become out of balance, and his ability to resist and recover from disease or other health problems. An overview of these beliefs follows.

The constitution is called the prakriti. The prakriti is thought to be a unique combination of physical and psychological characteristics and the way the body functions. It is influenced by such factors as digestion and how the body deals with waste products. The prakriti is believed to be unchanged over a person’s lifetime.

Three qualities called doshas form important characteristics of the constitution, and control the activities of the body. Practitioners of Ayurveda call the doshas by their original Sanskrit names: vata, pitta, and kapha. It is also believed that:

Each dosha is made up of one or two of the five basic elements: space, air, fire, water, and earth.

Each dosha has a particular relationship to body functions and can be upset for different reasons.

A person has her own balance of the three doshas, although one dosha usually is prominent. Doshas are constantly being formed and reformed by food, activity, and bodily processes.

Each dosha is associated with a certain body type, a certain personality type, and a greater chance of certain types of health problems.

An imbalance in a dosha will produce symptoms that are related to that dosha and are different from symptoms of an imbalance in another dosha. Imbalances may be caused by an unhealthy lifestyle or diet; too much or too little mental and physical exertion; or not being properly protected from the weather, chemicals, or germs.

In summary, it is believed that a person’s chances of developing certain types of diseases are related to the way doshas are balanced, the state of the physical body, and mental or lifestyle factors.

Practitioners seek to determine the primary dosha and the balance of doshas through questions that allow them to become very familiar with the patient. Not all questions have to do with particular symptoms. The practitioner will:

Ask about diet, behavior, lifestyle practices, and the reasons for the most recent illness and symptoms the patient had

Carefully observe such physical characteristics as teeth, skin, eyes, and weight

Take a person’s pulse, because each dosha is thought to make a particular kind of pulse

In addition to questioning, Ayurvedic practitioners use observation, touch, therapies, and advising.

The practitioner will develop a treatment plan and may work with people who know the patient well and can help. This helps the patient feel emotionally supported and comforted, which is considered important.

Practitioners expect patients to be active participants in their treatment, because many Ayurvedic treatments require changes in diet, lifestyle, and habits. In general, treatments use several approaches, often more than one at a time. The goals of treatment are to:

Eliminate impurities. A process called panchakarma is intended to be cleansing; it focuses on the digestive tract and the respiratory system

Reduce symptoms. The practitioner may suggest various options, including yoga exercises, stretching, breathing exercises, meditation, herbs and lying in the sun.

Reduce worry and increase harmony in the patient’s life. The patient may be advised to seek nurturing and peacefulness through yoga, meditation, exercise, or other techniques.

Help eliminate both physical and psychological problems. Vital points therapy and/or massage may be used to reduce pain, lessen fatigue, or improve circulation. Ayurveda proposes that there are 107 “vital points” in the body where life energy is stored, and that these points may be massaged to improve health.

In Ayurveda, the distinction between food and medicine is not as clear as in Western medicine. Food and diet are important components of Ayurvedic practice, and so there is a heavy reliance on treatments based on herbs and plants, oils (such as sesame oil), common spices (such as turmeric), and other naturally occurring substances. Currently, some 5,000 products are included in the “pharmacy” of Ayurvedic treatments.

If you are interested in Ayurveda you should be aware that not every practitioner offering services or treatments called “Ayurvedic” has been trained in an Ayurvedic medical school. It is important to ask about the practitioner’s training and experience. Tell your health care provider if you are considering or using Ayurveda or another CAM therapy. This is for your safety and a comprehensive treatment plan. It is important to make sure that any diagnosis of a disease or condition has been made by a provider who has substantial conventional medical training and experience with managing that disease or condition.

Tell your provider(s) about any dietary supplements or medications (prescription or over-the-counter) you are using or considering. Prescribed medicines may need to be adjusted if you are also using a CAM therapy.

Spread Out Your Wings With Debt Consolidation Loans UK

 Uncategorized  Comments Off on Spread Out Your Wings With Debt Consolidation Loans UK
Apr 052022
 

Most of the people in the UK are looking for a way to surmount the burden of debts. Credit card bills, medical bills and other personal loans are driving away the UK residents from meeting their monthly expenses. If you are being surrounded with multiple debts from all the three sides, opting for debt consolidation loans UK can be a wise decision.

Debt consolidation loans UK are specially designed for the UK residents who have fallen into the pit of debts. These loans consolidate multiple debts into one easily manageable loan thus making you liable to a single creditor.

The borrower gets an opportunity to choose between secured and unsecured loan. Secured loans for debt consolidation require you to place collateral. Any valuable asset such as a car, equity in home etc. can be used to secure against the loan.

Using the equity in your home can be the best way to consolidate your debts. On placing home equity as collateral, the interest rate charged on debt consolidation loan UK is relatively lower. Declining in repayments can make the lender take hold of your home. Therefore, before opting for the loan be sure of your financial capacities that you can actually afford the loan.

If you do no wish to place collateral, you can opt for an unsecured loan for the consolidation of your debts. The lender usually charges a high interest rate on unsecured debt consolidation loan so as to cover financial risks.

Debt consolidation loans UK are an ideal solution if you have a bad credit history. If you have faced the problem of arrears, defaults, County Court Judgments or bankruptcy opting for the loan will not only make you debt free but will also help you improve your credit score.

Once the borrower has been approved for debt consolidation loans UK, the actual consolidation can occur in many ways. In few cases the lender himself deals with the creditors. He negotiates with them to reduce interest rates and then is responsible for the settlement of your debts. The borrower is no where accountable to the creditors.

In some cases the loan provider issues you a check or a line of credit. Here, the borrower is responsible for making the debt payments to the creditors.

In both the cases, the money that you borrow form debt consolidation loans UK is used to settle your debts.

With the increasing competition in the financial market, various lenders have emerged to provide you the best loan deal. Local banks and financial institutions are regarded as conventional. Nowadays, online lenders are most widely used. Unlike physical lenders, online loan providers have eliminated the huge documentation work. You simply need to fill in a hassle-free online loan application form. The lender will prepare the finest loan deal for you.

Debt consolidation loans UK can be an apt solution to your financial disaster. Opting for the loan will help you recover your finances and regain your footing in the financial market.

Online Auctions – Discover 6 Myths Surrounding Them

 Computer HW  Comments Off on Online Auctions – Discover 6 Myths Surrounding Them
Apr 042022
 

Online Auctions are unmistakably among the hottest e-Sourcing technologies on the Internet business today. But what exactly is an online auction anyway and what are its benefits? According to The Pocket Oxford Dictionary, fourth edition (1942), an auction is a “public sale in which articles are sold to the highest bidder.” And if done on Internet it is online auction.

Online auctions create a competitive advantage because they make it relatively simple for Procurement managers to negotiate on all corporate purchases and create better deals.

Let us see some common myths surrounding online auctions:

MYTH #1: Only very familiar, particular or consistent items can be auctioned:

The myth came into being because no one understood how to measure criteria other than price. Total cost auctions take price and no-price factors, such as delivery time or customer service, into account, and they allow a customer to weight each factor accordingly. This is only a myth because when someone with sourcing expertise takes a creative approach to defining or breaking down the item in question, that item or its components can generally be auctioned.

MYTH # 2: Auctions are only effective when there is a level playing field:

This is false since a level playing field simply doesn’t exist. And, not all suppliers are alike. Face-to-face negotiations have long proven this fact. Procurement managers can now normalize for differences (e.g., customer service, warranty terms, delivery cost, etc.) using Web-based technology. In effect, these technologies measure total cost allow customers to compare apples-to-oranges.

MYTH #3: Only Internet-savvy suppliers can participate in an online auction:

Today, the majority of legitimate suppliers have access to computers. The myth that only internet-savvy suppliers can participate in an online auction is wrong. In order to participate in an Internet based online auction, the suppliers merely need to be able to log on to the Internet, log in to a web site, and log their bids. It’s just very simple. Suppliers don’t have to know how to navigate the World Wide Web or use any sophisticated search engines to participate.

MYTH #4: Maximum benefits could be derived only if large number of suppliers participate:

For any online auction, competition is a must and you must create a competitive environment, no matter if the suppliers is 4 or 400. Internet auctions put the business “up for bid.” Incumbents are wise to take notice. Once existing suppliers believe that the buyer really will change where he takes his business, a competitive environment is created. Thus concrete results for online auctions occur irrelevant to number of suppliers.

MYTH #5: Only products are auctioned?

Not true – in fact, services are also auctioned. Services such as Telemarketing services, Cellular phone services, Security services, and temporary labor services are all good examples. For example, a particular auction site held an auction for telemarketing services that resulted in an 18% cost reduction. The auction involved over 60 suppliers and more than 700 bids. The study shows that apart from products, services can also be auctioned.

MYTH # 6:Auctions are carried out only once in a year:

Event online auctions are generally used for categories of goods and services that require a long-term contract (say one year). These will achieve better results if auctioned year (or less). For example, a buyer may auction off the purchase of 10,000 PCs over a two-year period.

It is important for all to expand their concept of what can be auctioned, as long as the value of each item is ‘elastic’ enough to preclude fixed pricing. Once they have done that, the possibilities are almost endless.

Top Ten Tips for Lazy Dieters

 Gifts  Comments Off on Top Ten Tips for Lazy Dieters
Apr 032022
 

There are people everywhere (you may be one of them) who know that they need to and want to lose weight. But have the ‘yeah, I’ll probably start tomorrow’ syndrome. On top of that, let’s face it; many people are simply too lazy to change their lifestyles, so here are ten free diet tips to kick-start your diet. This free diet guide would show you the right direction.

Tip no. 1: Set SMART goals. Goals give dieters something to aim for and are a good source of inspiration. Fitness experts worldwide would agree that all goals you set should adhere to the following acronym:



S (simple): All goals should be easy to remember. Saying ‘I want to lose 20lbs of fat, gain 10lbs of muscle, speed up my metabolism and lower my cholesterol in 6 weeks unless I get promoted in which case I want to lose 10lbs of body weight in 8 weeks’ may well be ambitious and time-considerate, but you are hardly going to remember it in 6 weeks when you need to figure out how much you have lost.



M (Measurable): Your goals should almost always contain a number. Whether it is to drop 10kg or to fit into those 34 inch jeans, having numbers involved means that you can check your own progress.



A (Achievable): Many people often ask me: ‘Is it possible to lose all this weight in 3 weeks’ or ‘I want to lose 50 kilos! Can I do it before Christmas?’ The answer to the latter question is usually a resounding ‘no’, and I often suggest that these people might want to set themselves a target that can actually be hit. Above all, it prevents disappointment and makes them less likely to fall off the rails halfway through a dieting program.



R (Realistic): Your goals should reflect your lifestyle. It is a good idea to diet when you are likely to have little stress from outside influences (such as work) and you have plenty of time for the exercise you enjoy.



T (Time-considerate): Which of the following sounds like a more positive statement: ‘I am going to lose 20lbs’, or ‘I am going to lose 20lbs in 10 weeks’? If you never put a limit on when you need to lose the weight by, you are never going to push yourself to shed those pounds.

Tip no. 2: Write Down Everything You Eat. Many people are overweight because they are ‘heavy snackers’ and eat far too much than they realise. The simplest way to beat this is by writing down everything you eat. That way, when you eat something that you did not ‘mean’ to eat, you will know about it.

Tip no. 3: Use Smaller Plates. As silly as this may sound, a smaller plate will look fuller than a bigger plate with the same amount on it, so your mind will tell the rest of your body that it is getting more food. Besides, you can only fit so much on a small plate!

Tip no. 4: Proteins. Low fat protein rich food, such as egg whites and chicken breast, are fantastic for dieters that want larger portions, as they contain amino acids that build muscle fibres. Aim for 60g per day (I favour tofu or soya bean; it’s cheap, easy to fry -with fat-free Pam spray- and contains beaucoup protein).

Tip no. 5: Low Carbs, Not NO Carbs! Atkins enthusiasts rave about the benefits of carb-starving and that fats are not really that bad, but the simple fact is that your body needs carbs as a basic energy, so after starving yourself of them only to eat them again, your body stores that energy as, you guessed it; fat! Aim for around 240-260g of carbohydrates per day (look at potatoes, pasta, rice and wholemeal bread).

Tip no. 6: Buy a Bag of Nutrasweet. Any sweetener can be used as a sugar substitute and I believe they taste fairly similar. Plus, a tablespoonful contains about 0.1 calories, compared to the 18 that you will often find in sugar.

Tip no. 7: Lift Weights. Lifting light weights can burn calories and tone up every muscle in your body. It is a common misconception that lifting weights will always build big muscles, which is something that many women are keen to avoid. However, this is only true if your body is of the correct somatotype (body shape) and if you really are overweight then believe me, it’s not.

Tip no. 8: Drink Green Tea. The benefits of green tea have long been discussed, the main one being that it contains the right chemicals to speed up your basal metabolism (which in turn burns fat faster). Two cups per day (without sugar!) is enough, while the only known side effects are that the caffeine in it can cause minor sleep deprivation, so drink it in the morning.

Tip no. 9: Get Busy! As I mentioned earlier, many overweight people are ‘heavy snackers’ and these are usually people with two much time on their hands (that are often bored). The best way to combat this is to, quite simply, do something! Getting a new hobby, and therefore spending less time near the TV, are ways to keep you away from the fridge.

Tip no 10: Stop Talking About it! Diet must be one of the most discussed topics in modern society, yet, the people who talk about it are often the ones who want to lose weight. Then, how to prevent obesity? The real secret is to get on with it. As of tomorrow, you are officially dieting, so scribble down five small meals and brew yourself a cup of green tea!



Dietpolicy.com is a website that deals with various topics like junk food, obesity, weight reduction and diet tips and many more. This article has been written by Tom Eveleigh. He is a Physiology student and a health and fitness enthusiast.

Be smart, don’t be duped by fraudulent online pharmacies

 Fragrance  Comments Off on Be smart, don’t be duped by fraudulent online pharmacies
Apr 022022
 

The dawn of the Internet era has witnessed a revolution of sorts in marketing of different products and the cyberspace has assumed the role of a virtual superstore where an array of products can be bought sitting in the comfort of our homes.

And not just products, the Internet also opened a floodgate of services which include expert advise from specialists in their own fields. Of course, all this comes at a price but the stiff competition between different sites guarantees best deals and ensures that the customer continues to be king!

Online pharmacyhas a special place in this scheme of things where numerous websites offer prescription drugs at unbelievable prices and promise generic equivalent of branded drugs. The same means that people no longer have to visit a drug store, and more importantly don’t have to get hassled when they can’t find the needed prescription drugs at a conventional drug store. All they have to do is visit a reputed online pharmacy like 7-onlinepharmacy.com and order.

An online pharmacy also offers greater availability of drugs for people who don’t live in a proximity of a pharmacy. The ease of comparative shopping among many sites to find the best prices is also a big factor for the increasing popularity of these stores selling prescription drugs. There is no denying the fact that the boom of online pharmacy stores has definitely helped people, but this has not come without drawbacks. For example, it has been reported that several websites are selling poor quality drugs, and there have been more than one instance of fraud. No wonder, medical specialists and Internet experts always stress that prescription drugs should always be bought from a reputed online pharmacy, selling FDA approved prescription drugs.

More and more customers in the United States are replacing their trip to a pharmacy with a click of the mouse where they have access to hundreds of websites offering online prescription drugs. Many of these stores selling prescription drugs have managed to earn the trust of their customers and the latter are doing regular dealings with them. However, in order to ensure that customers are not duped by this boom of online pharmacy stores, it is important to be cautious. For example, many online pharmacy stores require customers only to fill a questionnaire before ordering drugs. In this situation, there is no face to face interaction between the patient and the medical specialist, thereby bypassing direct medical supervision and physical examination, which undermines medical safeguards. It has been reported that due to this several patients have been on the receiving end of drug interactions and outdated drugs. The situation has become so alarming that FDA officials are investigating a number of these sites and plan to take legal action against any pharmacy indulging in the same.

Save yourself from being tricked

It isn’t unusual to come across several online pharmacy sites shouting ‘get online prescription drugs now- forget a doctor’ or ‘say goodbye to pain in an instant’ or ‘cure sugar with traditional herbs’. Learn not to get tricked by such statements. Consumers need to realize that many of these online drug stores are actively into unlawful prescribing, sell unapproved medical products and products marketed with fraudulent health claims.

Tips for using an online pharmacy:

With a view to ensue that online customers are given good quality and correct medicines, the US Pharmacopeia (USP) and the Food and Drug Administration (FDA) have established quality control standards for all medications dispensed by pharmacies across the US. Some of the important tips are:



1)Never buy drugs from an online pharmacy that is willing to sell you medicines without a proper prescription or which sells drugs that are not FDA approved.

2)Avoid using an online pharmacy that does not offer access to a registered pharmacist to answer your questions.

3)Check with the NABP to see if the online pharmacy from which are going to order is in a good standing.

4)Don’t purchase drugs from foreign websites.

5)Avoid websites that promise a quick cure to serious diseases

6)It is always wise to consult your physician before taking a drug from an online pharmacy.

7)It is important to verify if the online pharmacy from which you are ordering medicines is licensed to deliver the medications to the residents of your state.

Following the above mentioned tips can definitely be instrumental in saving yourself from being duped by online drugstores. Be wise and make the best of the convenience and benefits offered by genuine online drug stores, skirting the shady ones.