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Have you ever thought how someone who is “self-employed” gets a mortgage? Normally anyone getting a mortgage has paperwork showing how much money they made with their employer. But what if the “employer” is yourself?

New guidelines

The guidelines for the home buyers who are self-employed have recently loosened up. An example in some case you may now only need documents for one year of income taxes to demonstrate what your income was, as long as the application qualified for automated underwriting.  You can click on this link to get further information.

Help for “moonlighters”

Also, current lenders are using a new income calculation for those business owners who have on or little history of distributions. The newest loan guidelines are better for those individuals who “moonlight”. Those having side gigs might not always have to verify this income if they qualify using only their day job.

Best lenders 

There are certain lenders where the “self-employed” will find it easier to get a mortgage and these include:

  • Lending Tree – best for self-employed with good credit;
  • Freedom Mortgage – best for mortgage rates that are transparent for self-employed;
  • Better – which is best for self-employed with stable income history;
  • Rocket Mortgage – best for those borrowers needing home loan experts to help them put documents together;

Already organized

Working for yourself, you are already used to being more organized when keeping track of your income. This will certainly help you when applying for a home mortgage. 

What lenders look for

Here are the things that most home lenders will be looking for:

  • Income stability;
  • Location as well as nature of your business;
  • Financial strength of your business;
  • Capacity of your business to produce adequate income in the future.

Setting up an online store can be a hassle if you think about using WooCommerce or Spotify. If you are looking for a lightweight ecommerce builder with no or little plans to scale soon, Big Cartel is the way to go. The builder offers just the right mix of pre-designed themes, search engine optimization tools, order management system, real-time stats, and a few other things that make it powerful enough for a small business.

Big Cartel is often considered as a “light” ecommerce platform and its sets of features, advantages, and disadvantages do justify its plans & usability. If you are planning to use Big Cartel for your business, here’s a straightforward Big Cartel Review 2020 that sums up answers for all your questions.

Pros & Cons of using Big Cartel?

Pros 

  • Big Cartel is a basic easy to use ecommerce platform.
  • It is free to use suitable for small stores and businesses
  • Clean navigation & user interface
  • Time Sensitive Discounts & other promotional tools
  • Let’s you tweak site’s code with a powerful HTML & JavaScript

Cons

  • Basic and pre-designed themes
  • Requires coding knowledge to blow its lack of customization barrier
  • It is not very flexible or scalable
  • It has limited payment options
  • Lacks in-depth features and tools for a large ecommerce store

What types of businesses/online stores it is suitable for?

In our brief Big Cartel Review 2020, we found out a perfect clientele that the platform works well for. First up, businesses and stores that aren’t looking for scaling and those with limited products use Big Cartel. It is essentially used by artists and creatives such as Malika Favre. Since it can be customized extensively by writing codes, it is a great option for creatives as they can customize it beyond someone’s comprehension.

Big Cartel Review 2020: Features & Tools

You won’t use any product or service without knowing the actual features it embodies, would you? Big Cartel isn’t as powerful as Shopify but it does bring a lot on the table.

With Big Cartel, you can create a customized checkout page. You can access everything about the orders and tracking transactions and more using its website or app version. Big Cartel supports Stripe, Square, and PayPal and isn’t PCI compliant so you will have to adhere to PCI guidelines by yourself. The best thing here is that Big Cartel doesn’t charge any fees whatsoever except the 2.2% + 30p rate that credit card companies usually charge on any transaction.

Big Cartel supports a plethora of apps and integrations under its Store Management Apps feature. This includes Google Analytics, LiveChat, Zapier, Pulley, and others. You can also use it to create promotional pop-ups, sell goods online, and drop-ship products.

Next up Big Cartel sites don’t have any customer login which means anyone can order something as a guest which saves time as well as prevents users from getting discouraged while transacting on the sites. There’s no option to bulk upload a whole lot of products so that’s a bit of letdown but considering the fact that Big Cartel isn’t made for a highly scalable business, it is the right choice and it is free to use. Also, there’s no abandoned cart recovery as well so you could be missing on some incomplete orders there.

Big Cartel does offer a “lite” experience of ecommerce with a few features on-board. It has customer support via emails five days a week between 9 am to 6 pm EST. So yes, this was a very brief Big Cartel Review 2020.

 

Packaging is one of the key aspects of selling your product. You may have the best product in business, but without the right folded carton, or packaging box, the product may go unnoticed. Smaller brands are often considered with the cost of packaging more than anything, often ignoring the potential of a product box in selling what contains inside. If yours is a small business that’s looking to optimize on both cost and design, working with a reliable company, such as Netpak packaging solutions can help. In this post, we are discussing further on how to work better with a packaging company. 

  • Figure out your requirements. This is the first step in packaging, where you need to decode what kind of box or carton a product(s) need. For fragile products, the packaging needs would be very unique. The good news is many packaging manufacturers have their own team of box designers, experts, and graphic designers, who can guide with the conceptualization too.
  • Go by reputation. As a new client, you need to ask the right questions. How long the company has been in business? What kind of packaging options do they provide? Do they deal in corrugated boxes? If not, what alternatives can they provide? It is also wise to ask for references in advance. You want to be absolutely sure that the company is capable of handling your boxing needs effectively. 
  • Don’t miss the basics. Most packaging companies have a minimum order quantity, which is an important factor, especially if yours is a small company that doesn’t want to order in bulk. Also, check if the company deals in eco-friendly and sustainable packaging options. You may also want to look for their eco-responsible certifications. 
  • Get samples. You definitely need a sample, at least for the first order. Check and ask for a prototype, and do enquire about their graphic design services, if they offer, so that you can save on that department. Time required to fulfill a standard order is also something to think of. 

Final word

Not to forget, ask for an estimate. Keep in mind that hiring a packaging company is not just about the price, and you don’t want to compromise on either the quality or look of product packaging, because it impacts your brand directly. Based on the credibility and popularity of a company, make the right choice and think of long-term collaboration, because you will need packaging materials as long as you are in production. 

Cyprus is contemplating as a gorgeous and eye-catching location for both profession and dwelling with its cosy, standard climate and comfortable geographical place. In Cyprus, a capital landscape is valuable because of the Island’s high competent labour force, an incredible conveyance and telecommunication system. Cyprus has stylish, free-market, amenity-based financial wherein unification with its proficient and translucent monitoring and legal framework. Fortunately, it provides world-wide shareholders and professions reliance to capitalize, progress and prosper. Well! Cyprus was graded No.53 out of 190 nations, and many new measure have been placed into location to restart finance in the rouse of the drastic and complicated reform of the nation’s banking field. In this article, we will see the massive benefits of obtaining a Cyprus citizenship and other fruitful aspects.

Unbelievable benefits of getting a Cyprus Citizenship

A bunch of incredible benefits can significantly be encompassing while obtaining Cyprus Citizenship. Here some of the few benefits are mention below for your eyeballs.

Having the authorities and power to live and toil in nations within the EU (European Union). Obtaining security by the ruling classes of any European Union nation. Cyprus has legendary universities or Board that provide teaching edification liberally to its citizens.

Capable to liberally budge products, amenities and investment. Free-Visa to transportable over 159 nations are comprising Canada and the European Union. Convenient citizenship to offspring that means capable of passing down the citizenry to the upcoming generation.

Existence is capable of maintaining prior nationality as Cyprus permits double citizenship. Cyprus Citizenship by capital maybe got in a duration of three to six months. Fortunately, acquiring a Cyprus Citizenship unbolts the gate to countless job opportunities because Cyprus resident can liberally shift within European Union countries and obtain recruitment with no boundaries.

Few reasons a Cyprus Citizenship can modify your lifetime

No more function visa annoyances

Cyprus citizenship widens your skilled chances, and job progress as only European Union dwellers have the liberty to shift to an EU nation and recruited with no work licence.

Access to medication welfares comprising free healthcare

A European Health Insurance Card is at liberty of cost for any European Union resident and permits one to receiver suitable healthiness care amenities offered by a European Union state. They are presently staying in as good as in Iceland, Norway and Switzerland.

Edifying profits for you and your broods

As a Cyprus resident, you can research at any European Union University under similar norms as local countries. Tuition pays for European Union dwellers are reasonable or even entirely waived when those applicable to Non-European Union citizens are greater and are go with by other official procedure.

The healthcare industry has always been an important sector for any country. It has become even more important now, with the world going through a global pandemic. With technological advancements, there’s always a need for new, advanced medical equipment. Starting a medical equipment trading llc in the UAE has great scope because the country’s vision is to become one of the best healthcare providers and medical tourism destinations in the world. 

In Dubai, Abu Dhabi, and Sharjah, the governments of the respective emirates have developed neighbourhoods dedicated to health and wellness. They are Dubai Healthcare City, Sheikh Shakhbout Medical City, and Sharjah Healthcare City. Here you will find world-class international and regional hospital groups, specialty clinics, wellness centers, and medical training centers. 

To meet the demands and standards of these healthcare cities as well as those of the many clinics and hospitals across the seven emirates, there is a need for licensed medical equipment trading companies in UAE. You can only import medical equipment or trade medical devices if your company as well as the equipment and pharmaceutical products are registered with the UAE Ministry of Health and Prevention. 

If you want to start a medical equipment trading llc in Dubai, you need a commercial license issued by the Dubai Department of Economic Development (DED), the government agency authorized to issue business licenses in the emirate. You must also identify the type of activity your trading company will undertake. 

Types of business activities for trading medical devices 

There are two groups under which you can sell medical equipment in the UAE: 

Medicines Trading – this group includes the trading of medical instruments, surgical articles, and related apparatuses for treating specific medical conditions. 

Mechanical & Engineering Equipment Trading – this group includes trading equipment and instruments used in hospitals and clinics for x-rays, physiotherapy, surgical operations, etc. 

Steps to register a medical equipment trading llc in Dubai 

In order to begin the registration process of your trading company with the DED, you must complete the following requirements: 

  • Submit 3 trade name options. 
  • Determine the business activity your company will undertake 
  • Submit the passport copies along with visa details of all the company shareholders 
  • Submit the Emirates ID of the local sponsor 

Once you have submitted the above details, you must carry out the following steps to apply for the commercial trade license for your company.  

  • Get the initial approval 
  • Get approval for one of the 3 trade names submitted 
  • Draft and sign the Memorandum of Association 
  • Rent an office space and submit the tenancy contract 
  • Get any additional approvals that your business may need 
  • Pay the fees and get your trade license 

However, getting a trade license alone does not authorize you to commence your business. In the case of medical equipment trading llc in the UAE, you must register your newly licensed company, and all the equipment you wish to trade, with the UAE Ministry of Health and Prevention. If you will be importing your equipment into the UAE, you will also have to register your company with Dubai Customs or the ports & customs authority of the emirate where you plan to operate.

The India business visa enables the holder of its to get involved in company activities while in the nation. The e-Business visa for India is a two-fold entry visa, which grants a complete stay of 180 days, beginning from the day of original entry in the nation.

From April 1st, 2017, INDIAN BUSINESS VISA FOR US CITIZENS had been divided into three groups, one being the company visa. The window for program underneath the electronic visa system was increased from thirty many days to 120 times, meaning foreign visitors can use as much as 120 days before the expected arrival date of theirs in India. The way it’s encouraged that business travellers apply for their small business visa about four times before the trip of theirs. Most programs are processed within four days, but in several instances, the visa processing could have a couple more days. Once authorized, its validity is one season.

How does e-Business visa work?

Tourists that wish to get their e-Business visa for India should understand the following before finishing an application:

  • The INDIAN VISA ONLINE validity is 180 many days from the appearance date.
  • The e-Business visa is a two-fold entry visa.
  • This visa style is non-extendable and non-convertible.
  • Individuals can use for a maximum of 2 e Visas throughout a calendar year.
  • Applicants have to have adequate money to help themselves during the stay of theirs in India.
  • Travelers have to carry a message of their approved business e Visa India authorization at all times during their stay.
  • Visitors need to have a return or even an onward ticket when requesting their e-Business visa.
  • All candidates should have a private passport, regardless of the age of theirs.
  • The e-Business visa can’t be utilized, and it is not valid to go to protected/restricted or maybe Cantonment areas.
  • The applicant’s passport has to be valid for no less than six weeks from the day of appearance in India. The passport needs to have a minimum of 2 blank pages because of the immigration as well as border management authorities to put the entry and also exit stamps.
  • Applicants that hold International Travel Documents or maybe Diplomatic Passports can’t apply for an e-Business visa for India.

It’s essential to be aware that there are new e-Business Visa evidence requirements to obtain the visa effectively. These needs are:

  • Business Card, the simplest, or maybe a company Letter; • answer specific questions regarding the receiving and sending organizations.

What you can do together with the India internet business visa the Business Visa for India is an internet electronic travel authorization to go to India for internet business reasons. The business visa for India is a double entry visa with an excellent stay of 180 times.

The INDIAN BUSINESS VISA FOR US CITIZENS can be utilized for the following:

  • For trade or sales/purchases.
  • To go to technical/business meetings.
  • To establish an industrial/business venture.
  • To do tours.
  • To provide lecture(s) under the Global Initiative for Academic Networks (GIAN).
  • To recruit workforce.
  • To take part in exhibitions or perhaps business/trade fairs.
  • Expert/specialist in relationship with an ongoing task.

Regardless of the industry in which you work, there are bound to be some chemicals around the office.

It is important to remember that these substances are chemicals, and care should be taken in their storage. This is especially true when the chemicals used are industrial grade.

Below you will find five suggestions to help ensure that cleaning chemicals are stored securely and safely in your workplace. 

Identification and Labelling

Every chemical presently stored at your premises must be correctly identified and labelled. Warnings, such as indications that the bottle contains substances that are corrosive, flammable or otherwise, should be prominently visible. 

Active chemicals should also be stated clearly. 

To prevent unwanted mishaps, avoid handwriting these labels as doing so may make the name difficult to decipher. 

Labels should be securely attached and not easily washed off or blurred. Safety Data Sheets (SDS) are critical for this step and should always be available for reference. 

Storage and Handling Protocol

The way chemicals in your workplace are stored should take into account how these chemicals react with each other. 

Ensure that chemicals that are incompatible with each other are not stored together, and photo-sensitive chemicals are kept away from the light. Flammable ones should not come into contact with ignition sources, and the like. 

The storage area should be well ventilated and not easily accessed. Unauthorised staff should not be able to get a hold of these chemicals. Your storage area should also be located away from food preparation areas or where foot traffic is exceptionally high. 

Chemicals found in your workplace should be kept in locked cabinets as much as possible. Not only does this prevent contamination, but it also ensures that it is difficult for chemicals to be stolen or misused. 

Of course, the cabinets should also be able to handle the chemicals stored within. Explosive chemicals should be treated with great care and placed in storage containers that would minimise a blast should the worst occur. Similar considerations should be made for chemicals that are flammable or corrosive. 

The way that the chemicals are accessed and handled should follow strict safety guidelines. The best practice is to have your in-house protocol for this or follow safety protocols from leading authorities. 

Emergency Plan and Equipment

It is imperative that a contingency plan is in place. Accidents can happen at any time, and all staff should be prepared to handle such an emergency. 

Have the right equipment ready for chemical spillages or contamination. Essentials such as fire extinguishers and first aid kits should always be on-hand. Be sure to have sufficient spill kits available and in easy reach. 

Train staff on how to deal with different chemical spills and the correct procedure to follow. For example, adding water to some chemicals will create an explosive reaction, creating a dangerous situation.

Therefore taking the time to ensure proper handling of chemicals in an emergency is critical.

Qualified Personnel

Hazardous chemicals should only be handled by trained and qualified personnel. At the very least, you must limit the access to these chemicals only to a select few. 

Staff who need chemicals should ideally go through someone who handles the storage and dispensing of chemicals exclusively. 

Safety Reviews

If you already have safety plans in place for the chemicals in your workplace, that is great! However, be aware that you should review the conditions of your storage area and your safety protocols. 

When someone knows the safety measures in place for chemicals, they must pass this knowledge to a successor properly when the time comes. 

It is also critical to make checks to ensure that there is proper compliance with safety protocols periodically. 

Chemicals are substances that need to be handled with care and in an appropriate way to keep your workplace a safe environment.

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An auto equity loan is a secured loan that is designed to meet the urgent cash requirements of the individuals. There are plenty of loan options available in the market, but not all come with hassle-free sanction processes. Many banks ask you to submit the credit card history/ employment details/ income/ and full proofed address. And the whole bank process takes more than 7 days. But what if an individual needs funds in an emergency? To resolve their financial problems, auto equity loans have been incorporated by the online lenders. Availing the request for the auto equity loans is very simple. All you need is to do, just open the lender site, create an account, and then fill the application and submit it along with documents. There is no need to stand in the queue of the loan, wait for the manager order, submit a long list of papers, and, most importantly, you will get a loan within 24 hours. 

Why are auto equity loans secured loans?

Auto equity loans are secured loans because you need to put an asset against the loan. And the asset must be a car. You will get an amount as per the condition of the car. If you keep your new car, then your loan amount will be higher. So, you don’t need to show your credit score and other employment details to get a loan. By keeping assets you can avail the request for the loan. At many times, we need funds in urgency. Loan facilities like auto equity loans seem to be very helpful at that point. By putting an asset we will get a loan from the lender within 24 hours. No credit score check process, no interview, even we don’t need to mention the reason for the loan.

Top benefits of the auto equity loan:

The following are the top benefits of auto equity loans-

Easy approval process: The process of auto equity loans is straightforward. All you need to do is just apply along with the paperless documents online. As soon as the lender receives your application, he will review it and proceed with the application for approval. Within 24 hours you will get the status of your loan via email.

No credit score check: whether your credit score is good or bad. Online West Palm Beach Auto Equity Loans doesn’t need your credit history. All they are your asset. Once you put the paper of your car and complete the agreement the loan will be transferred to your account within 24 hours.

Helpful in emergencies: whether you need quick cash for a medical emergency, home renovation, or daughter marriage. The sooner you apply the quicker you will get the loan in your account.

Best interest rates: As this loan is secured, the interest rates are relatively lower than other loans. Because to offset the risk of losing money a lender will take your asset and offer you the loan at the lowest interest rates

Final say

We hope this complete guide on West Palm Beach Auto Equity Loans helps you a lot. If you are looking for quick cash, then simply click on any of the reliable sites to get the auto title loan at the best interest rates.