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Discover Ten Benefits of Using a POS System

Sam Allcock
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Discover Ten Benefits of Using a POS System

Whether a retailer or a restaurant, a POS system offers distinctive advantages. Retailers who learn to harness this technology’s power can better organize time and resources to improve the bottom line. Discover the ten benefits of using a POS system to stay ahead of the curve.

Reduce Theft and Mistakes

Human error and stealing are two areas management needs to monitor to avoid serious losses. A POS system, such as those at www.koronapos.com, stores everything on the computer or cloud, recording all sales, refunds, and incoming merchandise. As a result, inventory and reports are more accurate. Keeping track of all transactions on the POS helps reduce theft and identify mistakes. Comprehensive reports enable management to recognize where problems exist to remedy them instantly swiftly.

Identify Popular and Unpopular Items

One of the most significant advantages of a POS system is detecting trends among your customers. Discover which items they want most based on the sales and demand to ensure you always have them on-hand. Conversely, management can also detect which items are not selling quickly and should not be reordered in the future. Studying these patterns enables retailers and restaurants to maintain proper stock levels based on consumer demand.

Gauge Employee Performance

A POS system can be used as an employee clock, revealing when workers arrive and leave from work. Gauging employee hours and performance helps management provide essential training and make changes where needed. Determining where employees work best helps the business operate more efficiently. Management can also reward top performers and decide when an employee should be let go based on POS data. In just minutes, managers understand how the business operates and where human resources are needed most.

Improve Time Management

Time is money, especially in industries that work quickly to provide goods or services to customers. Some retailers and restaurants time the length of the interaction to ensure every customer is properly serviced without waiting for a long time to get what they need. POS systems issue comprehensive reports that instantly reveal where time is being spent for various types of work. Management can improve processes and streamline procedures to save time and money based on this reporting. Plus, workers are happier when they aren’t rushing around and know exactly how long it takes to complete specific tasks.

Clarify Accounting Procedures

Many companies scramble to files taxes and reports because of inaccurate and poorly maintained financial records. Investing in a POS system streamlines accounting procedures, putting crucial information at management’s fingertips when they need it most. Metric are readily available for assessment and reporting, such as labor details, sales profit, and loss statements, economic order quantity, daily reconciliations, and more. Studying these key metrics helps businesses reduce costs and file timely reports to avoid penalties and problems. With a POS system, end-of-the-year reporting and accounting are easier and faster.

Refine Marketing Campaigns

Reaching your target audience is crucial to boost the bottom line. The goal is to reach out to as many potential customers as possible to encourage them to visit your store or restaurant. Developing niche campaigns is an excellent way to connect with your target market. POS systems make it simple to determine trends, popular items, and recent consumer behavior to refine your marketing campaigns to resonate with your target audience. Find out what people really want, then develop marketing campaigns that answer their questions and make them want to take action to generate more leads and conversions.

Ensure Data is Securely Stored

One of the biggest concerns for management and consumers is maintaining the privacy of sensitive data. Customers expect retailers and restaurants to implement secure payment systems to ensure their financial details are never exploited. Anything less can harm a company’s reputation and overall business. Companies also want to protect employee data and proprietary secrets to maintain the integrity of operations. A POS system securely stores relevant data, so everyone has peace of mind that their privacy is always protected during the regular course of doing business together.

Use Analytics to Improve Sales

Accurate reporting and analytics give management the necessary information to improve sales based on consumer activity. Metrics to follow include the items per purchase, sales per square foot, sales per employee, customer retention rate, average transaction value, conversion rate, gross margin, and cart abandon rate. For example, if consumers regularly abandon a certain item in their cart, what is the cause, and how can improvements be made to the site? Plus, businesses can email these consumers to remind them they left items in their cart and potentially get the sale. A POS system tracks these details, so businesses don’t suffer lost opportunities to connect with customers and make sales.

Personalized Customer Experience

People like to feel special and connect with companies that understand their needs. Use a POS system to deliver a more personalized customer experience based on consumer behavior. Understanding the types of products and services each customer wants helps businesses develop personalized promotions to increase sales. Sending emails with coupon codes, special offers, and customized offerings shows the business knows what consumers want and is ready to deliver it.

Process More Types of Payments

The days of people paying with just cash are long over. From credit cards to electronic payment methods, consumers prefer businesses that accept their methods of payment. Companies that can accept more types of payment methods are most likely to get the sale. If someone has to change their payment method, they are more likely to buy from another business. Keep Please keep coming back for more by offering various ways to pay for their items.

Investing in a POS system is crucial for companies to remain competitive. Harnessing the power of technology is the first step toward boosting sales and improving conversion rates. Use a POS system to establish secure communication and payment connections with consumers, so they feel confident about buying from you. Keep track of analytics to make improvements where needed to make your business the one everyone recommends!

What Are the Benefits of Telehealth Services and Virtual Appointments?

Sam Allcock
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What Are the Benefits of Telehealth Services and Virtual Appointments?

Healthcare workers and medical practices could see major improvements in how they treat patients by exploring telehealth. With telehealth, patients do not see the doctor in-person. They speak to the doctor via a phone call or video-based conferencing. Virtual appointments are more convenient for patients and doctors, and they can present major health benefits for all parties.

Telehealth is a beneficial service that could decrease the total cost of healthcare and mitigating serious risks for hospitals, staff, and patients. In a state of emergency, healthcare professionals need to find a better solution that protects doctors and patients. Telehealth could be the answer that the healthcare industry has been waiting for.

Mitigating Exposure to COVID-19

With the recent global pandemic, telehealth has grown in popularity, and it has shown the healthcare industry that telehealth is a better way to mitigate the risk of exposure to COVID-19. The process allows patients to participate in a doctor’s visit via telephone or video chat. These opportunities prevent the patient from visiting the medical practice and remaining distanced from other patients. Healthcare professionals can learn more about telehealth services by visiting Rocket Doctor right now.

Keeping Your Medical Details Private

Too often in a clinical setting, patient details are overheard by others in the practice. When communicating with medical staff, patients often discuss details while signing in for their appointment. For many patients, it’s important for them to keep these details private. They don’t want everyone at the practice to know the intimate details of their medical records. With telehealth, the patient speaks to the doctor from home, and the doctor is in their office away from others.

Eliminating Long Waits at the Doctor’s Office

When visiting a doctor in-person, patients experience long waiting times, and it can become inconvenient if they must visit the doctor during their lunch break. By switching to telehealth, the medical practice gives patients a more convenient opportunity where they won’t have to wait for an extended time at the doctor’s office. They can wait in the privacy of their own home. The doctors set up an appointment, and the doctor contacts the patient at the time of the appointment.

You Don’t Have to Travel to the Doctor’s Office

Traveling to the doctor’s office increases fuel costs for the patient, and whenever they need to visit a specialist, they may have to drive for over an hour. When patients need to see a specialist, they are also required to visit their primary healthcare physician to get a referral. Telehealth makes it easier for them to visit their doctor and a specialist without the extra travel time.

It Can Reduce How Much You Pay Overall

The cost of healthcare is often excessive for patients, and if there are ways to save money, telehealth is a great start. When visiting a doctor, the patient must sign in, and the staff must evaluate their health insurance details. Next, another worker has to find the patient’s file and get it ready for the appointment, and a nurse calls the patient’s name to get them to go to the examination room. The same nurse completes triage.

By eliminating all these extra processes, the medical practice decreases its overhead costs by eliminating all these additional steps. With telehealth, the doctor opens the patient’s file on a tablet and enters details about the patient during the phone or video-based visit. If the patient needs testing, the doctor coordinates with medical facilities through a new IT system. By saving money for the practice, the patients pay less per visit.

Patients and Staff Stay Healthier

The recent global pandemic has shown the world that telehealth is a better way to keep patients and the medical staff healthier. By using telehealth, the doctor doesn’t have to worry about their staff becoming ill because they were exposed to COVID-19 patients. All services are completed via the telehealth services. There aren’t any in-person visits unless the patient needs additional healthcare services.

Hospitals perform all testing, x-rays, and assessments required for the patients. The doctors set up appointments when additional diagnostic services are required. The findings are set back to the doctor and a new telehealth appointment is set up.

More Flexible Scheduling for Appointments

Medical practices can achieve more flexible appointment scheduling by using telehealth services. Since they are talking to patients via phone or video services, the doctor isn’t waiting for the patient to go through triage or walking from the waiting room to an exam room. They contact the patient directly, and this saves time for the doctor.

They could complete more appointments each hour by using the telehealth services. This could mean they will contact patients during more flexible hours, and the doctors will accommodate more patients throughout the day.

Streamlining In-Home Health Services

In-home health services are streamlined by using telehealth services. The doctor can give the in-home nurse instructions for treating the patient. They can direct the nurse on what to do in specific circumstances that improve the patient’s health overall.

Telehealth could change the way in-home nurses manage terminal patients and improve care for the elderly. Patients receive better health services since the doctor has better access to the patients, and they can see the patients via the telehealth services. Families can expect more accountability for the in-home nursing staff, and this could lower the chances of elder abuse and keep the patients safer. The doctor has more control over the patient’s treatments.

The healthcare industry will transform to fit the current circumstances, and patients will enjoy some of these changes. Telehealth eliminates in-person contact and mitigates the risk of exposure to COVID-19. The recent pandemic has required new changes in healthcare that prevent patients from getting exposed and medical facilities from facing liabilities.

The new systems help the patients get the medical care they need without traveling to a doctor’s office. They speak to their doctor via video conferencing or via telephone. These new systems revolutionize how doctors treat their patients and decrease the risk of exposure to dangerous viruses.

All Your Questions About 18-Wheelers and Accidents Answered

Sam Allcock
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All Your Questions About 18-Wheelers and Accidents Answered

There is a big difference between accidents caused by commercial trucks and those involving regular cars. Your involvement in an 18-wheeler accident can be complicated in many ways. The most distinguishable factor is the magnitude of damage that a truck weighing 40 tons could cause. Besides damaging a smaller vehicle, it raises the stakes of your injury claim. Here is an overview of 18-wheelers and how serious a road accident can be when they are involved.

Why is Timing so Critical?

If you are hit by a commercial vehicle like an 18-wheeler, time is of great essence when hiring an accident attorney. Immediately after the incident, some truck drivers contact their truck company’s defense team before seeking medical help for the injured persons. In addition, these drivers might not inform the relevant authorities immediately. This means their risk management department gets to the accident site even before the law enforcement officers arrive. That kind of response will have a great impact on the statements made by eyewitnesses. There are instances where critical evidence disappears or statements are altered to suit the interests of the trucking company.

Most likely, your vehicle has sensors that are linked to a digital system for data collection and transfer. You must collect and save all the necessary information needed to help you recover from an accident. But you can only maximize such data with the help of a legal expert. An experienced attorney will arrange to have critical data collected as soon as possible. A legal team can use electronic log systems, cellphone data, electronic control module, onboard radar system, or a digital video recorder.

What is an 18-Wheeler?

Since the days of the clunky beasts, the 18-wheeler has been evolving and, today, they transport multiple types of goods and commodities. The 18-wheeler truck comprises a tractor (front), a trailer (back), and of course 18 wheels. People often use the semi-truck and big rig names interchangeably to refer to this commercial vehicle. As far as the law is concerned, the weight of the truck and the type of cargo determine how a vehicle is regulated. A tractor-trailer features a powerful engine, six times bigger than regular car engines.

This gives a truck the much-needed torque to tow enormous loads while moving at an admissible speed. When fully loaded, it can weigh 40 tons, which is 17 times greater than the curb weight of most passenger cars. Note that the average length of the vehicle is 53 feet. So, to complete a turn, the 18-wheel truck requires 55 feet or more space. That is why it has big side mirrors to help the driver see, especially in blind spots. In terms of licensing, the driver must obtain a special permit to start operating the vehicle. They must also be highly experienced at maneuvering and backing.

Considering the height of a tractor-trailer truck (13.6 feet on average), the risk of rolling over is quite high if the driver turns too fast. Any rollover accident can crush just anything and wreak havoc on the oncoming traffic.

What are the Different Types 18-Wheeler Accidents?

It takes a lot of practice for drivers to learn to maneuver these great machines. Truck overloading, driver fatigue, inadequate driver training, driving distractions, unsecured cargo, poor maintenance, and poor roads are some of the causes of 18-wheeler accidents. Mechanical and human errors can, unfortunately, lead to one of these types of incidences.

  1. Unsecured Load Unsecured loads result in a greater risk of an 18-wheeler accident. Unrestrained cargo and poor balance make the load shift while the truck is on the move. Other external reasons that may disrupt the balances, e.g., bad weather and potholes.
  2. Tire Blowout: It is tragic for a tire to suddenly lose its air and explode. This is one sign of poor maintenance. Most tire blowouts are a result of too much wear and tear. Nearby vehicles are at a greater risk of getting wrecked by debris falling off the trailer.
  3. Jackknifing: If the front of a semi-truck folds in like the pocket knife, this accident is regarded as a jackknife. Mechanical failure is the main culprit. Also, weather elements like ice and malfunctioning brakes can bring about jackknife accidents.
  4. Rollover Improper loading and speeding can make an 18-wheeler roll over at a turning point. The truck’s center of gravity should remain intact lest the vehicle overturns.
  5. Underride: If the tractor-trailer collides with a passenger car, many times the small car gets under the trailer. This becomes an underride accident. The excess weight of the trailer smashes the roof of the passenger car and can instantly kill the occupants. Underride accidents are very common at night when drivers of small vehicles cannot see a trailer slowing down.

What are the Economic and Non-Economic Damages of 18-Wheeler Accidents?

Economic damages refer to tangible expenses like medical treatment costs, loss of employment, car replacement, missed income, and home modifications. Non-economic damages cannot be quantified in financial terms. They are such things as emotional frustrations, pain and suffering, and bodily disfigurement. In rare cases, punitive damages may apply where the defendant was caught in horrendous acts like DWI (driving while intoxicated).

Because truck accidents leave significant damages to properties and severe injuries, victims should receive greater compensation than regular cases. A fair offer should take into account the medical bills and other expenses. The reason most trucking companies offer lump-sum settlements is that they fear losing the trial and eventually pay the victim more.

If you have a serious case, do not accept an initial settlement offer. Get a good 18-wheeler accident attorney to help you get compensation through the court. A lawyer will claim, on your behalf, both economic and non-economic damages.

How Do Accident Attorneys Help?

Ordinarily, trucking companies and their insurance providers tend to be more experienced when dealing with injury claims. Many small car drivers are coerced to take lump-sum compensations that are smaller than what they deserve. If a victim sustained fatal injuries or you had a loved one killed in an 18-wheeler accident, seek an accomplished personal injury lawyer immediately.

An accident attorney works for you so you can get justice and your rightful settlement. First, they gather the evidence before sorting things out with insurance companies. They also file all types of notices and help you with negotiations. By applying their years of experience, an attorney does a commendable job with aggressive negotiations.

The Benefits of Using Air Purifiers

Sam Allcock
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The Benefits of Using Air Purifiers

Homeowners follow practices to achieve a cleaner and healthier home. These measures remove pathogens and contaminants from the air and improve the air quality. They use cleaning products that eliminate bacteria from surfaces to reduces health risks, but if they do not manage the air properly, these same health risks threaten them and their families.

An air purifier can pull bacteria, contaminants, and other unwanted particles from the home. It is an affordable product that offers a wealth of health benefits for homeowners.

Reducing the Allergens in the Air

Allergens in the air increase the rate of respiratory symptoms that are detrimental for homeowners and their families. Each season introduces new allergens to the home and increases the rate at which the family gets sick. In the spring pollen enters the home on the homeowner’s shoes and on their pets. Pollen is a common allergen that causes sinus congestion and runny noses.

In the fall, ragweed is a major cause of allergy symptoms, and it can be pulled into the home through the air. An air purifier pulls these allergens out of the home, the property owner will not experience allergy symptoms. Property owners can learn more about MERV 16 filters by contacting a supplier now.

Protecting Against COVID-19

COVID-19 has become a serious problem throughout the world, and people are contracting it at an alarming rate. An air purifier removes germs from the virus in the air and reduces the property owner’s risks of contracting the virus. By using the air purifier, the property owner could safeguard themselves in their home against the virus.

Decreasing Asthma Symptoms

Property owners with asthma must control allergens, dust, and particles in the air to avoid triggers. If the home becomes clogged with dust and common allergens, the property owner is likely to experience a higher frequency of asthma attacks. Asthma attacks are a serious risk to their health, and they must use a fast-acting inhaler to open their bronchial tubes. By using an air purifier, particles that increase asthma attacks are eliminated quickly.

Eliminating Foul and Unpleasant Odors

Odors in the air present unpleasant circumstances in the home. It doesn’t matter how well the homeowner cleans their property, smells from outdoors can make it into the property. An air purifier can remove the odors from the air and improve the interior air.

Even if the property owner uses air fresheners, this will not eliminate odors from the home entirely since air fresheners cover the odors. The air purifier pulls the odors out of the air completely and improves the way the property smells.

Better Sleep Quality

With better air quality, the property owner and their family can sleep better and stay well-rested every day. It is vital for the property owners to keep the air cleaner and prevent particles from building up in the home. The accumulation of allergens and dust affects how the property owner and their family sleep. If they cannot breathe well in the property, they will not get high quality sleep. In fact, it can prevent them from falling asleep and staying asleep all night.

It could increase issues with sleep apnea, too. By using an air purifier, the property owner achieves a better night’s sleep, and they won’t awaken feeling sluggish or tired the next day.

Decreasing the Need to Change Out Air Filters

HVAC services require the property owner to change out air filters at least once a month. If they do not get the filters changed properly, dust and particles accumulate inside the units and affect how they operate. By using an air purifier, fewer particles accumulate on the air filter, and the property owner won’t have to change it out as often.

The filters are available as reusable options that are cleaned and placed back into the HVAC units, and the property owner can use an air purifier to maximize their savings when using reusable filters. These options could generate savings on HVAC repairs, too.

Extracting Chemicals from the Air

When cleaning the home, property owners use a variety of cleaning products that have strong smells. While some cleaning products have a pleasant fragrance, some have strong odors that will linger for a long time after the property is cleaned.

Property owners can use an air purifier to remove the odors from the property and make it more pleasant. The owner can maximize the pleasant smells from the cleaning products but extract the chemical odors that come with these fragrances. Property owners want cleaner homes, but they do not want to get a headache from the chemicals in the cleaning products. An air purifier could be the solution to these cleaning woes that are so frustrating for most homeowners.

Managing Radon Coming into the Home

Radon gas gets into a residential property through the HVAC system. The gas is found underneath the soil and leaks into the property. Property owners are encouraged to complete a radon test to determine if they are at risk and how much of a risk the gas presents them. There are measures that the property owner can take to decrease the amount of radon gas that gets into the home. However, the devices are not 100% effective.

An air purifier can filter out the radon gas and decrease health risks for the property owner and their family. Radon gas can increase the risk of lung cancer, and by following measures to remove it from the home, homeowners decrease health risks.

Homeowners must address all health risks when cleaning their property from dust to bacteria growing on surfaces. However, many homeowners overlook contaminants in the air that threatens the property owner’s health. An air purifier could be the answer to their cleaning woes.

By using an air purifier, the homeowner pulls out particles that could make them sick including the COVID-19 virus. The air purifiers filter out allergens throughout the seasons and reduce respiratory illnesses and may help homeowners control asthma symptoms. These products can improve the way property owners clean their homes and cut down on common particles that threaten their health every day.

6 Creative Ways to Upgrade and Accessorize Your Jeep

Sam Allcock
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6 Creative Ways to Upgrade and Accessorize Your Jeep

If you’re a proud member of the Jeep Nation, then you most likely love taking your beloved Jeep four-wheeling through the backcountry. Accessorizing your Jeep is a great way to show it off and make it the king of the trail. Adding some custom parts and making your Jeep look one-of-a-kind is one of the best parts of being a Jeep enthusiast, and the added off-road performance capability is an extra benefit. Here are some of the best aftermarket accessories for upgrading and customizing your Jeep.

Where to Buy Aftermarket Parts for Your Jeep?

Though OEM parts are popular, they are also expensive. An excellent and affordable alternative is buying aftermarket. In the age of Covid-19, an online retailer that offers contact-free purchasing is the safest way to go. If you want to find Jeep parts and accessories, check out Off Road Power Products. They have a massive selection of aftermarket and OEM-style replacement parts and accessories that will make your Jeep stand out from the crowd and add maximum performance capability. When you need parts for your vehicle, you want to make sure you’re buying from a reputable company that works closely with manufacturers to provide durable, high-quality parts that will last through use and abuse.

The 6 Most Creative Ways to Upgrade and Accessorize Your Jeep

For most Jeep owners, adding extensive modifications and customization is the norm. Whether it’s just adding some cosmetic parts to give it a bold look or installing premium aftermarket parts to improve performance, Jeep owners love to go all out when it comes to their off-roading style. Here are the six most creative ways to accessorize your Jeep and make it look pretty awesome.

1. Custom front and rear bumpers

Though your Jeep is meant to go off-road and play in the mud, upgrading the front and rear bumpers is the perfect way to give it a more aggressive look and increase performance capabilities. Look for one complete with a tow hook, which makes it easier to rescue yourself if you ever get stuck in the mud. A stock bumper definitely falls short in that category! You can get full-size, mid-size, or a stubby. You will most likely need a stubby if you want the monster tires and lift kit next on the list.

2. Lift kit and monster mudders

Lift kits are essential for off-roading capability if your Jeep is a little more on the light-duty end of the scale. Modifying your vehicle with a lift kit not only looks so much sweeter, but it gives you better ground clearance, which means you can go down all the best back roads and trails. A giant set of tires added in for good measure allows for much better traction and makes climbing significant obstacles a breeze. Besides, no Jeep is complete without a giant set of monster mudders and some lift!

3. LED light bar & fog lights

A super-bright LED light bar on the roof not only looks cool, but it’s also a safety feature too. If you’re going off-roading at night or in bad weather conditions, you need bright lights for maximum visibility. They are available in several different shapes and sizes, and LED lights can also go on the inside of your rig for a custom look. Some creative places include underneath the seats, along the edge of the dash, or along the side step rails for extra visibility.

Fog lights are also a necessity. They cut through thick fog to up your overall visibility by a much more significant margin than regular headlights. Fog lights are available in a wide selection of colors, shapes, and sizes for a custom look to your vehicle. It’s also reasonably simple to replace the stock fog lights with aftermarket fog lights, and it makes for a relatively inexpensive way to change your vehicle’s look. 

4. Snorkel exhaust kit

One of the most creative ways to customize your rig is with a snorkel kit. However, they aren’t just a cosmetic accessory. If you love to off-road in streams, brooks, and shallow water, a snorkel kit is a useful addition to your Jeep. With the stock intake system placed so low, you’re at risk for choking off the engine if you get too deep in the water. A snorkel kit runs a pipe right from the intake system up above the hood, usually close to the roof. It eliminates the possibility of water getting into your intake system and then being sucked into the engine, which never makes for a fun time and will damage your Jeep.

5. Fender flares for the monster mudders

Fender flares are a requirement if you have a massive set of tires. Stock fenders don’t allow enough room to turn the steering wheel without rubbing. Fender flares provide the space needed to turn the wheel and make navigating even the most rough-and-tumble back roads a cinch. They also give your wheels a modicum of protection from any dirt, rocks, or debris that may fly up while you’re driving.

If you’re worried about spending extra money getting them installed, don’t be. Aftermarket flares typically come with pre-drilled holes, making them incredibly easy to put on. They’re also available in virtually any style, design, thickness, or texture you want to complement your Jeep and give it a bold look.

6. Add a winch to your bumper

Any Jeeper who has ever been off-roading and gotten stuck or bent their suspension knows what a Godsend a winch can be when you’re stuck forty miles in the middle of nowhere. Some of the different factors to consider when looking for a winch are the pull rate, motor strength, line speed, and the way it mounts to your Jeep. Here’s a simple way to find the right winch for your Jeep: take your vehicle’s gross weight, multiply it by 1.5, and you will have the bare minimum line pull rate required. If you’re going to be going on extreme terrain, find a winch with the right capabilities to easily pull your Jeep out of the mud.

Customize Your Jeep with the Best Accessories and Upgrades

If you love your Jeep and spend all your free time out in the woods four wheeling, then customizing and upgrading your rig to improve its performance and the overall look is number one in the Jeep owner’s handbook. There are endless ways to change and personalize your Jeep’s look and upgrade its off-roading capabilities to make going out on the backroads a blast. Add some cool accessories and parts to make your Jeep able to take on any challenges the trails have to offer!

When Is a Bill Collector Crossing a Line?

Sam Allcock
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When Is a Bill Collector Crossing a Line?

Times are stressful right now. Unemployment is still high and many families are living paycheck to paycheck. The last thing you want to deal with is a debt collector. However, if a debt you owe has been sold to a debt collection agency, you might find yourself having to unplug your phone to keep it from ringing off the hook. Debt collectors are known to be persistent but some cross the line into harassment.

Even though it is against the law for bill collectors to use certain tactics to collect a debt, some do it anyway. Everyone should know what a debt collector can and cannot legally do.

A bill collector is crossing the line when they commit any of the following actions:

  • Threaten to take your home. A debt collector cannot take your home unless that home was used to secure a debt like a mortgage or home equity loan.
  • Threaten to have you arrested. No debt collector can threaten to have you arrested for any debt you owe. A debt is a civil matter, not a criminal matter.
  • Threaten to garnish your wages to collect the debt. The only way a debt collector can garnish your wages is if it is taken to court and they won a judgment to garnish the wages.
  • Ignore a cease communication letter. Once you send the debt collector a cease communication letter, they have to stop contacting you.
  • Physical threats of any kind. Any kind of threat implying that you will be harmed unless you pay the debt is against federal law.

The Fair Trade Commission (FTC) receives thousands of complaints each year from consumers about debt collectors that cross the line using the above illegal tactics.

Federal Law

The federal law that protects us against illegal tactics used by some debt collectors is the Fair Debt Collection Practices Act (FDCPA). This law basically prohibits debt collectors from using unfair, deceptive, and abusive tactics to collect a debt. The types of debts covered by the FDCPA include:

  • Credit cards
  • Medical debts
  • Mortgages
  • Auto loans
  • Student loans
  • Other personal or family loans

The FDCPA does not usually cover business loans.

Debt collectors cannot harass you by calling you at odd hours. They cannot call you before 8 a.m. or after 9 p.m. your local time, unless agreed to by you. They cannot contact you at work if you told them not to.

If a debt collector knows that you are being represented by an attorney, they cannot contact except through your attorney.

How To Protect Yourself

The best way to protect yourself is to know the law. Do not allow debt collectors to harass you in any way. Keep a diary of everything. What time they call, and if they used any type of harassing language. Save all messages or texts they leave on your phone.

Another illegal practice is for debt collectors to attempt to collect on zombie debts. A zombie debt is a debt that you might have owed a long time ago, and is now past the statute of limitations. For most debts, this statute of limitations is seven years. The time frame and type of debt can vary from state to state.

What You Can Do

If a debt collector harasses or threatens you, you can sue the debt collector. According to the FDCPA, victims of debt collection harassment can get compensation for statutory damages and possibly from actual damages also.

Statutory Damages

Statutory damages are paid above and beyond the actual damages. The FDCPA states that consumers can recover damages up to $1,000. A victim of illegal debt collector actions does not have to prove these violations caused any harm, just that they occurred.

Actual Damages

These damages include money you lost because of a debt collector’s abuse. These damages can be for lost wages, illegal penalties, attorney fees, and can include emotional damage that led to medical costs.

This is just a brief overlook of the illegal debt collection practices you may encounter. To learn more about your rights during debt collection, or if you think a debt collector is using illegal practices to force you to pay a debt, you should seek legal counsel.

Your lawyer can help you obtain a debt verification letter. Before you pay anything, you want to make sure you actually owe the debt. Your lawyer can handle all correspondence so there’s absolutely no reason for you to handle debt collector harassment alone.

4 Benefits of Using a PEO for Your Company

Sam Allcock
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4 Benefits of Using a PEO for Your Company

Business leaders and entrepreneurs know the value of each dollar when it comes to managing an enterprise. With the growth of your business, the demand for human resources continues to expand as well. At such a point, you may want to consider outsourcing your most significant HR duties to a PEO (professional employer organization).

A PEO refers to an entity that agrees to a co-employment contract with your business. The professional employer organization then assumes the HR functions that are employer-connected like benefits and payroll. You can rest assured that your business is being handled in a professional manner and nothing is at risk of falling through the cracks. Here are some crucial areas that a PEO can help in a business.

1. Employee Compensation

Outsourcing HR services has its various advantages, and simplifying the workers’ compensation procedure tops the list. A PEO can offer a compensation cover to your staff using its insurance initiative. A professional employer organization manages audits, certifications, paperwork, and compliance related to handling such programs.

Your business can also access a committed team of employees’ compensation professionals who are knowledgeable on your specific corporate operations. They can work together with your main human resource service personnel. These experts offer impacted workers the necessary answers in a timely fashion while mitigating risk.

2. Payroll Responsibilities

Involving a professional employer organization in your organization could lower the cost of processing payrolls and accounting expenses. PEOs can automate your payroll procedure and manage your wage garnishments, W-2s, and withholdings.

You may want to consider the terms and conditions of your preferred professional employer organization. Some charge a separate fee for each payroll service, like giving quarterly and yearly payroll reports, while others charge a straightforward fee. Be sure to fully understand the fee schedule before signing up for a professional employer organization service.

3. Compliance With Human Resource

There are many dynamic and complex aspects of employment law. It could prove costly for your enterprise if you fail to adhere to the regulations set aside for human resources. Between workplace discrimination laws and wage and labor laws, trying to keep in compliance could be complicated. Several federal and state agencies can fine you for lack of HR compliance.

Hiring a professional employer organization can save you from the constant hassle of keeping up with these laws. A professional employer organization with experienced human resource experts will assist you in preventing compliance violations.

Some policies, such as sick leave directives, may vary from state to state. If you have employees working in various states, you may need a PEO to help you keep track of the applicable laws in your case. Also, there is an emergence of new HR-related rules such as:

  • Ban the box regulations which demands that employers refrain from asking applicants about their criminal history during the first job application
  • Wage equity regulations prohibit employers from requesting salary records during job applications

Given the extensive laws you need to be aware of as an employer, it is best to seek the services of a professional employer organization. PEOs top up the services of in-house human resource personnel. They guide you on how to adjust to recent law changes and keep you updated on any new regulatory changes.

4. Staff Recruitment

Finding the perfect candidate to join your team can be an exhausting process during normal economic times. During a pandemic with record high unemployment rates, hiring a candidate can be a total nightmare. Many businesses have experienced sizable layoffs while others have closed their doors forever. That left the job market flooded with qualified candidates. But that just means more applications to sift through to find the right candidate to meet your needs.

Business managers lack the bandwidth and time to concentrate on the crucial aspects of staff recruitments. A PEO can provide you with services like recruitment aid and offer you access to seasoned recruiters. A reputable recruiter is good at reading applicants for certain jobs. They can evaluate the attitude, emotional intelligence, and compatibility of the applicant to the job position. Their input saves you time and resources while ensuring that you get the most suitable candidate for your business.

Seeking assistance through a professional employer organization can assist entrepreneurs in dealing with overwhelming human resource duties. Business leaders are left with additional time to concentrate on aspects of their enterprise that can enhance the expansion of operations. You can rely on a reputable PEO to provide professional help every step of the way.

4 Places to Get Liposuction Overseas

Sam Allcock
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0
4 Places to Get Liposuction Overseas

Having a good body today seems not a difficulty anymore. Thanks to the development of plastic surgery, any change of appearance you dream of is possible to become a reality. One of the most popular procedures in the world is liposuction. As ISAPS reports, over 1,700,000 operations were carried out in 2019. Just imagine for a second, this is like the all citizens of Philadelphia did the surgery!  

Liposuction is a unique procedure allowing people to get rid of excess fat fast, without expending much effort on physical exercises and diets. Liposuction can be performed as a separate procedure or be a part of other surgeries like breast augmentation or breast lift.

However, patients often postpone their makeover due to the high prices of lipo, a lack of experienced doctors or the absence of specialized clinics in their places of residence. If any of these issues bother you, we have listed 4 best places for liposuction, where you can find affordable prices and board-certified doctors for sure. 

Turkey

Turkey is among the leading providers of plastic surgery in the world. More than 750,000 men and women go here to improve their appearance, and liposuction is among the most frequently performed procedures. Patients from the UK and the UAE prefer this destination the most.

The Turkish clinics for liposuction offer:

– affordable prices: 3-4 times lower than in the USA.

– All-inclusive service: accommodation, transfer, and language assistance are already included in the lipo price.

– Board-certified plastic surgeons: local doctors have decades of practice and international experience under their belt.

Turkish medical centers take care of their reputation and provide the best conditions for patients.

Mexico

Mexico is one more best place for patients to have liposuction. The country takes 3rd place in the world regarding the number of performed plastic interventions — 1,200,000 operations annually. 

The Mexican lipo medical centers are mostly popular with American patients, as prices for liposuction here are several times lower than in the neighboring United States. For instance, the cost of lipo in Mexico is about $3,000, while in the USA it is about $6,000. Even with the travel charges, Americans save money choosing Mexican clinics for liposuction.

South Korea

South Korea is ranked as the best place to do liposuction for Japanese. The country is frequently named as a global capital of plastic surgery. Esthetic operations for Korean men and women are so common that they can present lipo or facelift as a gift for a birthday.

Due to such prevalence of plastic surgery, local doctors have vast experience in this field. The success rate of cosmetic surgeries in South Korean clinics is one of the highest in the world. However, the prices for liposuction here remain at medium level. So, the Korean clinics for lipo are not a suitable option for patients looking for a cheap operation.

Poland

Poland is one more best place to do liposuction for Europeans who want to save money. This country is a great option for those who want to save money but to do plastic surgery in Europe. 

The cost of fat removal surgery in Poland starts from $1,350, and the price may vary depending on the complexity of liposuction. One more advantage of Poland is its location and well-developed Infrastructure: you can reach the country from any corner of Europe within 1-3 hours. The flight tickets are also cheap — just $15-25.

You can compare prices in the Polish clinics for liposuction and choose the best option for you.

How to Arrange Liposuction Abroad?

People often refuse to go abroad even if they know all the benefits. This happens because of fears, a lack of information and medical tourism experience.

The solution is to request medical tourism providers. Bookimed.com is one of the biggest facilitators in the world. It cooperates with 140+ plastic surgery centers across the world.

All you need is to submit a request on the Bookimed website. Then, a coordinator will contact you to know all details about your preferences. You will receive all info about the country and a clinic where you can do liposuction according to your medical case and financial capacity. Bookimed has already assisted over 450,000 patients.

Summary

Liposuction is an effective option to improve your body contouring in the shortest term. Today, you have an endless set of opportunities to have surgery done at a reasonable price in any place in the world. You just need to pick a place for liposuction (look for some info on patient communities) and schedule the date of your arrival or turn for help to medical tourism providers.

What areas of business have changed in 2021?

Sam Allcock
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0
What areas of business have changed in 2021?

After there was a coronavirus epidemic around the world in 2020, what type of business to start will have to be discussed, taking into account the new realities. And if before it was possible to take into account only the latest technologies and ideas that were in demand in other parts of the world, now we need to take into account the new directions that suddenly turned out to be very noticeable. This can be observed, for example, in the Vulcan casino and many others.

Strategies for selecting a business idea in 2020 – 2021

The main principle of starting a business will not soon be different. You need an idea behind your business. However, what to do if you want not just to create for yourself not just a profitable and relevant idea, but to see what will happen in the future. How do you find out which ideas might work and which ones might be forgotten among potential clients like a fleeting zip? And we will give you the answers.

  1. First, the basic principles have not changed. People will also love food, need clothes and shoes, and wait for the opportunity to go to some entertainment place. For this reason, you only need to think about your own in these areas. Catering, clothing retail, as well as various types of entertainment.
  2. Secondly, the principle of selection will not change, which says that you need to do what you like. Do you like organizing parties for people? Or run a cafe? Think about it. This is essential. It is impossible to expect a normal income from a business where you do not want to work.
  3. Thirdly, comparing with previous years, new trends have to be taken into account now. They are actually outdated. It is just that until 2020 we found ourselves in a peaceful state and not so visible. And thanks to self-isolation, they got a boost. Now the business must be in order to successfully develop and take into account the digital version. That is, being online was indispensable. As well as the possibility of supplies for many areas.

However, you shouldn’t forget about new technologies and ideas either. For this reason, we provide you with the opportunity to plunge into the world of the latest technologies and bright people who have slowly been able to conquer the whole world.

Wall Printer

Remember that not so long ago a 3D printer was something completely new and at a price limit available only to corporations? Look what is happening today. Thanks to 3D printing technologies, they create everything – food, cars and much more, and quite simple types of vehicles are affordable for ordinary people. The potential in this area is huge. We are sure that we will never again be impressed by the news in the creation of 3D devices that can build their own lives. However, today we are interested in how you can use devices in an ordinary business and what may be in demand in the near future. 3D games are in great demand in non uk casinos today.

The essence of the device is simple. The device is connected to a special manipulator, which squeezes out special plastic thanks to the reinforced fibers. As a result, at the exit, we have a frame that has high strength. All that remains to be done for readiness is to fill in some of the voids with construction foam and then fill in with external trim.

This technology can open up a new field for the implementation of design solutions. Since you can practically create walls according to individual designs, choose not only the appearance of the decoration but even the appearance of the walls.

We know for sure that this is far from the last option and the technology will be developed in the future. For this reason, we will be watching the news.

Smart Film

Society has become accustomed to the smart prefix. Smartphones, smart TVs, and everything else that has long been associated with technological innovation.

So smart film is a technological solution that will soon find use in various fields. It is such material as self-adhesive digital film, the transparency of which you can adjust, and also used as a rear-projection display capable of showing video material.

You can find a huge number of uses for such “miracle material”. Starting from the fact that the smart film makes it possible to create a smart tint of car glass, when with one click you can change the intensity, ending with the fact that glasses, mirrors, windows can be used as a screen to transfer data. A smart film, trivially glued to a storefront, can display advertising video material when needed, and when not needed – just be excellent protection from dust and light.

10 Most Profitable Investment Funds

ABC Staff
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0
10 Most Profitable Investment Funds

The turbulent year of the pandemic has not prevented Spanish investment funds from closing the year with a positive average return of 0.7% and many of them have offered double-digit returns to their participants in 2020.

These gains are higher than 30% in the case of the ten most profitable Spanish products, which mainly include funds that invest in technology trends and the digital economy, especially the US Stock Market.

According to Vdos data , the ranking is led by the ‘ Alcalá Multigestión Oricalco ‘ fund , which has gained 157%. The fund managed by Creand Asset Management – until now Gesalcalá – of the Credit Andorrá group has been the absolute winner, by far.

It is mainly invested in equities focused on megatrends, category is flexible mixed and has the advice of Driemut SL of Diego Bernabéu Ugarte.

“We have taken advantage of different aspects as raw materials, especially in gold and silver and mining of raw materials; the rise of the electric vehicle; the ‘cloud computing’ focused on the ‘blockchain’ sector and investments in ‘e-commerce’ companies, very benefited by the global situation “, explains the director of investments in Spain of Creand AM, Luis Buceta, who leads the management team.

In second place by profitability appears the ‘ Bankinter USA Nasdaq 100 ‘, with an annual profit of 44.73%. This fund of the Bankinter manager is a passive management vehicle that follows the American index of technology companies, which has obtained a similar return in the year, and has an exposure of almost 100% to equities.

The ‘top 3’ is completed by the ‘ Sabadell Economía Digital ‘ fund , from the manager Sabadell AM – of the Amundi group – with a 40.04% return in 2020, according to Vdos.

The vehicle invests through other investment funds in various topics such as artificial intelligence and ‘big data’, digital health or global technology. In addition, it makes direct investment in companies such as Facebook, Apple, Amazon, Netflix and Google, known as ‘FAANG’, which account for 25% of the portfolio.

“The outlook for 2021 remains positive, probably with revaluations that will remain below the extraordinary result of 2020, but with a scenario of global economic recovery expected for next year, we consider that an expected return of between 15% and 20% could be perfectly achievable “, Sabadell AM’s client investment director, José Antonio Pérez, told Europa Press.

In fourth position is the ‘Dux Umbrella Trimming USA technology’, which gained 40.03% in 2020, with a strategy that has also benefited from the performance of US international equities and high exposure to the technology sector. It is a fund of the Spanish ’boutique’ Dux Inversores, of the Altegui group, chaired by Alberto Erhardt.

It is followed in profitability with 36.31% last year by the fund ‘Renta 4 Multigestión Andromeda Value Capital’, from the manager of the Renta 4 Banco group, which is advised by Andromeda Value, led by Flavio Muñoz.

The fund usually invests in sectors such as technology and the media and has also benefited from its commitment to sectors such as cybersecurity, video games or cloud companies.

Andromeda attributes the good results to the general portfolio and not to specific companies. “In 2021 the fund will not match the progress of 2020 simply because the environment is very different.

This year there is much more a correlation between the underlying economy and monetary policy,” Andromeda sources explain to Europa Press, although they trust that the “good companies at the right prices” in which the fund invests allow it to deliver a “positive” result at the end of the year.

The sixth and seventh position in the 2020 ranking by profitability among funds domiciled in the country correspond to two compartments advised by the fund ‘Gestión Boutique III’, which is managed by the Andbank group, which has managed to include three funds on this list in 2020.

It deals with the ‘PFA Global Mixed Flexible’ compartments, with 33.36% in the year, and the ‘R3 Global Balanced’, which gained 33.28% throughout 2020. The ‘PFA Global Mixed Flexible’ has its portfolio fully invested in equity mutual funds, mainly in the United States and Europe.

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