Archives for April 2018

What Is The Full Application Process?

April 26, 2018 by

 Setting up your business can seem like an overwhelming task, but the IRS has made it incredibly easy for anyone to set up their business structure. There are three very concrete steps you can take to set up your business and get your EIN number. Your very first step is going to be to complete your SS4 online. This form is your application for your employer identification number. It will ask you some very specific questions about your business. Completing the form through the online platform can expedite the entire process.

Next Step

 Once you complete your application the IRS will assign you an Employer Identification Number (EIN). You can always verify if your application is complete by a Tax ID lookup. By looking up this number you can see that your business, or any business for that matter, is a registered company with the proper authorities.

There are websites that simplify the entire process. Between the online application and using an EIN processing and filing service, you can more than likely have your IRS-EIN-Tax-ID within 24-hours. This is under the presumption that all of the information in the application is correct, and there are no other issues like a company name.

Start Today

 Today’s technology and systems have simplified this process for anyone who is ready to start a business or legitimize the one they already have. This process is an integral part of starting your business, and it is only three steps. There is no reason to put this part of the process off any longer.

Using this simplified website can walk you through the 3-step process, provide you with additional information about tax ID’s, and allow you to check the status of your application at any time. Don’t wait any longer, and complete the process to get an EIN for your business.

Filed Under: Business & Growth

The Top 4 Venues In The UK For Big Events

April 26, 2018 by

Do you have a big event coming up? meeting rooms Aberdeen  has many high-quality venues in the UK, regardless of whether you’re planning for a conference, a wedding, or a party. From castles to sporting venues to luxury hotels, you can easily find whatever it is you’re looking for. Each has something unique to offer in terms of features and accommodation. Today, we’re going to take a look at some of the best venues the country has to offer. Here are the top four venues in the UK.

Lord’s:

Obviously, there are a number of great venues available in London. Picking the best is no easy task. But if you had to choose one, it’d have to be Lord’s Cricket Ground, or simply Lord’s. Along with being one of the most well-known sporting venues in the country, it’s also suited for virtually any kind of event. There are a vast number of rooms to choose from, all of which have their own character and charm. It’s also home to the world’s oldest sporting museum, which is quite appropriate if your guests are sports fans.

 Craig Y Nos Castle:

Craig Y Nos is a Victorian country house located in the Brecan Beacons National Park in Wales. This is an absolutely gorgeous building that’s surrounded by beaches, waterfalls, and walking trails. So, it’s become a very popular venue for young couples to get married. Its natural settings also lend itself well to outdoor activities. On top of all this, it also features pet-friendly accommodation. It’s a truly magical place that your guests would definitely enjoy.

 Woburn Centre Parcs:

Although the City Parcs can be found in many places throughout the UK, this Bedfordshire location has a class of its own. It experienced a massive renovation a few years ago, making it one of the most state-of-the-art venues in the country. A few of the things it has to offer are a 75-bedroom hotel, 625 luxury lodges, and 365 acres of land for team building exercises. It’s also located only 50 minutes away from London by railway.

Crowne Plaza Aberdeen Airport:

When it comes to meeting rooms, Aberdeen has plenty to offer. Crowne Plaza Aberdeen Airport may be the best of them all. It’s located only five-minutes away from Aberdeen International, making it very convenient for your guests. It also has ten different meeting rooms for you to choose from, depending on what you need. In addition, they have experienced meetings directors who can help you plan your event from start to finish. This venue also features a dining room and a fitness area.

These are just a few of the high-quality venues that the UK has to offer. Many more can be found by visiting VenueFinder.com. When deciding which venue is best for you, remember to consider what your needs are. A few things to keep in mind are what type of event you’re hosting, how far your guests have to travel, and what kind of accommodation they require. Remembering these things will help you pick the venue that’s perfect for you.

Filed Under: Lifestyle

A Guide To Making Quick, Easy Cash

April 25, 2018 by

When times are tough and you need some extra cash in a hurry, getting yourself into debt is never a good idea. And while there are plenty of scams out there, there are a few creative ways that you can make a little extra money when you need it most, or just have a little extra money to put away towards savings each month. Let’s take a look at the some of the clever ways people are thinking outside the box when they need a little extra dosh!

  1. Sell off all your unused stuff

If something you paid good money for is lying around gathering dust, get rid of it! Exercise equipment, kitchen appliances you never use, outdated gold jewelry and even clothing are just some of the things that people will willingly purchase second-hand, putting cash in your pocket and de-cluttering your life all in one fell swoop! If you’ve got a lot of stuff that needs to go, consider hosting a car boot or garage sale.

Even if you do need an item, consider downsizing – laptops and PCs are a great example. If you only use your PC for watching Netflix and replying to emails, then you don’t need the latest model with an amazing graphics card – but someone else might. It’s easy enough to buy a smaller model, sell your fancy equipment, and still come out with a nice profit.

Nothing to sell? Offer to help friends and family get rid of their unused stuff in return for a small commission.

  1. Turn hobbies into cash

If you’ve got a skill for carpentry, sewing or landscaping, put it to use! It’s easy enough to set up your own free website, or even just a Facebook page, and get your name out there in your community. Post to free classifieds websites and community pages – it won’t cost you anything, and if you’re lucky enough to get a few bites and start building a good reputation, then world of mouth advertising will often do the rest.

It could be baby-, pet- or house-sitting, helping out in the garden, or even doing the weekly shop for an elderly couple – so use your imagination.

  1. Do some freelance work online

If you have a talent for writing, graphic design, or even just transcribing interviews, then there are lots of opportunities to earn some money online. You might have to try a few options before you find the one that fits, but it certainly can’t hurt to have a good look!

If you’ve got the time and dedication, you could even start your own blog where you sell products through an affiliate marketing channel, or advertising space if you build a big enough following.

  1. Enter competitions

Whether it’s for a cash prize or a product giveaway, everyone loves free stuff! Try to focus on competitions that don’t cost anything to enter, so you have nothing to lose. Some payouts are just a bit too huge to pass by, so feel free to play mega millions online from time to time as long as you’re not putting yourself in financial jeopardy!

Many companies do product giveaways when they launch a new line, and often entering is as easy as leaving a comment on their Facebook page, so keep your eyes open! If you win, it’s easy enough to sell off the brand new, unopened prize at a discount for a quick sale.

  1. Let your money make money

If your bank balance isn’t earning interest for you, you’re saying no thank you to free income. Do some research and look for better options – there are plenty of accounts that offer a better interest rate but still let you have quick access to your funds when you need it. It might involve changing your bank or going into a branch to open a new account, but knowing that your money is making money just sitting there is a great feelin!

There are lots of options you can consider depending on your needs – from a 7 day or 32 day notice account, to short or long-term fixed deposits which offer much more attractive interest rates than leaving your funds in your check account.  Ideally, you want to have your money somewhere where it’s making inflation-beating returns, but these often require a substantial lump sum. Using these smaller savings vehicles lets you save up for that lump sum, and then your money can really start growing without you having to lift a finger!

 

Filed Under: Money Talk

3 Tech Questions Every Growing Business Needs To Answer

April 23, 2018 by

In this day and age, no matter how you conduct your business, there is a strong chance that your company interacts with technology in some way, shape, or form. If you sell physical wares, you may use a mobile card reader to accept payment and if you’re a retailer, you may have an ecommerce website or you may store information about your customers on your servers.

As technology progresses, so too will the ways in which your business uses it, especially if your company is poised for growth over the next few years. And with this in mind, here are three tech-focused questions that every growing business needs to answer.

Can You Use Technology to Grow Your Business Even More?

Even as you already use technology in your business, why not ask how you can use tech to grow your business even more? Social media is especially seen as a simple way to grow your business, as there are more than three billion social media users who you can promote your business to.

Optimizing your website for mobile devices, which is where an increasing amount of people browse the web and considering how your site shows up on search engines are some more ways you can use tech to grow.

How Does Your Tech Stand Up to Pressure?

Speaking of content that ends up being a success on social media, is your business totally prepared and fully equipped in case a post goes viral? What happens if you get an unlikely celebrity endorsement that takes you off guard? Your website needs to be prepared for a sudden influx of users and it also needs to be able to adapt as your business gradually grows and entices more customers.

Managing huge amounts of traffic to your site, whether that’s due to a popular tweet or a sales event, can be done with a load balancer. A load balancer makes sure that traffic will be routed to an available web server, which will help to reduce server load and ensure that your systems can handle the increase of visitors.

Is Your Business Secure Enough?

If you deal with any sort of digital data (e.g information about payments, names or addresses) then security should already be of huge concern to you. It’s up to you to perform regular checks on your company’s security methods to ensure that sophisticated teams of hackers can’t infiltrate your data storage system, gaining access to sensitive information about your company or your customers.

Failure to make your business properly secure isn’t just a legal concern, but it can have significant financial ramifications. A PwC report recently revealed that 69% of customers believe that companies are vulnerable to hacks and cyberattacks, meaning that there already are concerns about data privacy and security in consumers’ minds. Any actual successful hack conducted against your company could worsen that already fragile perception, potentially driving your customer towards your more secure competitors.

Although technology can sometimes be difficult to get your head around, it can be incredibly beneficial to your company – and ignoring it isn’t helpful. It’s best to ask these questions and get the answers now, solving tech problems as your business grows.

Filed Under: Business & Growth

Interest Rates Are Increasing, Don’t Let Your Debt

April 17, 2018 by

Anyone with poor credit knows the burden of high interest rates. Just a few percentage points difference in a credit card or loan rate can make the difference between an affordable payment, and one that breaks the bank. With interest rates on the rise, every person who owes money to a creditor is focusing on the economy and how better to manage their personal obligations. Keeping debt in check during an interest-rate spike can have long-term benefits.

As interest rates creep high in 2018, large debt loads will become more costly for every consumer — even those with ideal credit ratings. Planning for rate increases and finding ways to consolidate and manage debt can save money and help maintain personal assets and value. At Chande.ca, our financial professionals monitor interest rates and are poised to help every consumer prepare for increases that may affect everything from monthly payments to debt-to-income ratios.

Managing Debt as a Best Personal Practice

Whether interest rates are high or low, keeping debt in check is a good personal habit. Using debt wisely can lead to greater financial freedom and rewards, but it takes effort and planning. During an interest rate spike, consumers have no control over the increases, but they can regulate their own spending and personal habits.

Taking small steps to manage personal debt during an interest rate hike can mitigate overall total debt. Some key moves that proactive consumers can pursue include:

  • Transferring Balances: when interest rates go up, it is a good time to take advantage of no-interest credit cards that offer zero interest for balance transfers. If rates increase during the period of the offer, borrowers will still save money, while maintaining a lower debt ceiling.

 

  • Improving Credit Scores: as interest rates creep up, consumers with low credit scores should put off purchases like a new or used auto until they can increase their credit rating. Waiting to make purchases during a rate hike can save money with a lower overall rate.

 

  • Consolidating Debt: before rates go too high, consumers with many small credit accounts may be able to save money and keep debt payments more manageable by consolidating their debt load. One payment with a moderate rate, as opposed to several payments at higher rates can be advantageous in anescalating market.

In addition, during rate increases, smart consumers can adjust their spending practices. Making more cash purchases and relying less on credit cards, loans, and other interest bearing accounts will keep debt at a minimum through a rate increase.

Finding Creative Debt Solutions

When saving money is a priority along with avoiding increased personal debt with high interest rates, consumers turn to professionals who know the markets and know how to find creative solutions. They visit Chande.ca for a variety of debt related answers and advice.

With professional debt services, personalized evaluations, and answers for every type of debt crisis and question, our experts will help every debt or face rising interest rates with confidence and savings.

Filed Under: Money Talk

What You Need To Know About Huge Silver Price Predictions

April 12, 2018 by

When it comes to your portfolio, it pays to be careful. You can’t risk your savings on a “hunch” or on unfounded advice. At the same time, there’s no shortage of prominent advocates for gold and silver with some huge claims about the future price of silver. There are some who believe that silver could skyrocket to $130 an ounce in only a couple of years, others who believe more modestly that silver will hit $50 an ounce by the end of 2018, and there are extremely bullish investors like Robert Kiyosaki who say silver could reach $6,000 an ounce in the long run.

There is no crystal ball for predicting silver prices, but there is history and silver price charts. There are strong arguments behind a bullish stance on silver. How high it can take silver prices is anyone’s guess, but the fundamentals of silver price growth are present. Whether it’s $50 an ounce or $6,000, when you get silver prices today you see that there’s huge potential in silver. When someone predicts silver prices of $130 an ounce in the near future, here’s what’s driving their predictions.

Silver Prices Are Undervalued

Silver is not worth as much as it should be. There are many different indicators that this is the case, from the silver-gold ratio to the silver-S&P ratio. There’s also the alarming new fact that silver has recently become rarer above ground than gold. While there is still probably more silver unmined, silver is being used by industry faster than it can be mined. The rarity of silver has quickly made silver coins and silver bars popular sellers from bullion dealers like Silver Gold Bull.

Silver Prices in the Gold-Silver Ratio

One of the biggest indicators that silver is undervalued is the gold-silver ratio. At present silver prices, the ratio is around 75 to 90. Historically, this stood around 15, meaning gold was worth 15 times what silver was worth. As far back as the Roman Empire, the ratio seems to have been around 10 to 1 (comparing silver denarii with the gold aureus), while 15 was fixed into law in the U.S. and France around the 19th century. In modern history, the ratio has been more like 65, which means even by modern standards silver is undervalued. Investors who believe a correction is imminent see silver prices rising to meet gold, rather than gold falling.

Supply Impact on Silver Prices

Many believe that silver prices are in for a big correction due to the basics of supply and demand. Mining companies have by and large fallen behind on silver production to the point where demand for silver outstrips supply. Despite silver recycling, stocks are shrinking because of it. Silver prices have yet to catch up to rising silver demand, which means mining companies aren’t searching for silver or investing in silver mines. When silver prices take off, it could take years for mining companies to catch up.

Buying silver bullion online from a bullion dealer like Silver Gold Bull is the most convenient way to buy silver right now. When you’re holding real silver bullion, you can sleep soundly knowing your money is safe. Invest in silver today and take advantage of rising silver prices, wherever they go. Just remember, making money from silver isn’t about where you sell, it’s about where you buy – and silver prices today are highly undervalued.

Filed Under: Money Talk

How To Choose The Right Floor For Your House

April 11, 2018 by

Sometimes it can be difficult to give your house a makeover. As exciting as a redecoration project is, there are a few things you have to consider before getting started. One thing people can sometimes neglect to think about is the floor, but your floor is actually a great way of creating a base within your decor. For this reason you should choose flooring carefully, so, let’s have a look at some aspects you should consider when choosing a floor.

Durability

When we say durability we are not only talking about life span, but also the floors capability of withstanding heavy footfall. If you have family and and or pets in the house then your floor should able to handle all this extra traffic, possible scratches and maybe spillages. Hardwood flooring is surely the first option it comes to your mind, this floor can last more than a lifetime and they look beautiful in living rooms and bedrooms. For kitchens and bathrooms though you need something that is able to withstand water and possible moisture, so avoid using a natural solid wood in these rooms.

Budget

Most of us are trying to cut back where we can, so redecorating can feel like a struggle when money is your biggest hurdle. Fortunately, you don’t need to spend lots of money to find quality floors. One such floor is a laminate. Laminates are made of synthetic materials but as such are perfect if you are looking for something that looks like real wood but offers plenty of other practical benefits. If you are looking for something even cheaper, try vinyl floor tiles. Vinyl often gets a bad reputation for looking cheap, but with modern advancements, vinyl floor tiles now have a far more realistic look about them.

Maintenance

A floor that is difficult to maintain and clean can make you regret your choice, no matter how beautiful and great it looks.  With your job, your family and all the little things in daily life the last thing you need is to have to spend hours cleaning a floor. Vinyl, laminate or engineered are the easiest floors to clean as they are all somewhat impervious to water. This doesn’t mean they are waterproof, but it does mean they can be mopped with a damp mop without fear of water damage.

Colours

When decorating your house the floor is going to be one of the more static elements in the house. In other words, it is much easier to change other pieces of furniture compared to the floor. This is why its important to pick a colour you feel will be far more workable to your tastes in the future. Whether this be a light or dark wood, the choice is up to you and your tastes.

 

Filed Under: Home & Decor

How Can Companies Make Better Quality Cheese?

April 5, 2018 by

There are a number of significant factors that contribute to the grading of a high-quality food product. When it comes to cheese, it has to havean exceptional flavour, texture, scent and look, along with an ability to last long enough for buyers to savor every single bite. In order to reach all of these great qualities, companies in the Canadian food industry need to use innovative first-rate ingredients.

Food companies would highly benefit if they turned to a seasoned supplier like CCC Ingredients for their top-rate, globally sourced ingredients. This supplier has an impressive portfolio filled with an assortment of solutions for businesses in the Canadian food industry — they serve markets like baking, confectionary, dairy, prepared foods and snacks. When it comes to the production of cheese, the supplier carries a variety of ingredients that can enhance the taste, texture and overall appearance of the product. Any business that is interested in raising the quality of their cheese products can learn about the latest ingredient options being offered by this leading supplier and imagine the positive changes that they can make to their formulas.

The experienced ingredient supplier can offer solutions like milk protein concentrates, which can amplify a cheese product’s nutritional value by increasing the levels of protein without adding a high amount of lactose and can augment its levels of essential minerals like calcium, phosphorus and magnesium. Milk protein concentrates can also help with the heat stability, thickening, water binding, foaming and emulsification of a product. Businesses will also appreciate ingredient solutions like cellulose powder to improve texture and to stop caking, pure natamycin to protect against yeast and mold, and natural food dyes for colouring. CCC Ingredients carries food colouring options created by their global partner ROHA — their food dye lines Natracol and Futurals focus on natural resources instead of synthetic ones. Cheese manufacturers will especially appreciate the line Natracol, because it uses the food colouring agent Annatto for light yellow or orange tones and the agent Beta Carotene for intense yellow or yellow-orange tones — these are the ideal hues for a wide range of cheese and dairy products.

Canadian food companies should try to improve their cheese products as much as they can because they are in high demand. While more citizens are substituting their glasses of traditional cow’s milk with dairy-free alternatives, Canadians are eating more cheese than ever — according to statistics charting cheese consumption for fifty years, the average citizen ate seven kilograms of variety cheeses in 2015 alone. The use of innovative ingredients to better the qualityof cheese products will be appreciated by a lot of consumers.

The right ingredients can solve problems with a cheese product’s texture, its shelf-life, its appearance, its nutritional value and even its overall quality. Food companies can acquire these convenient solutions from a respectable ingredient supplier so that Canadians can feel satisfied with every single bite.

Filed Under: Tips