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How to maximize occupation in your rental property

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In the rental market (residential or short-term) as in most areas of life, preparation is key. Accepting the fact that tenants will eventually move on is the first step in thinking about what you can do to prepare for this and hence maximise occupation in your rental.

Be prepared to market effectively

Before
your first set of tenants moves in, thoroughly photograph your property and, if
possible, record a video tour of it. That way, you can showcase the property in
its absolute best condition any time you like, including while your tenants are
still in it.

In
the residential market, this can help to speed up and smooth over that
potentially-awkward time when one set of tenants is moving out and you want to
view and re-let the property as quickly as possible, but you still have to
respect the fact that your current tenants are still paying their rent.

In
the short-term rental market, this means that you can basically market your
property on an ongoing basis.

Be a good landlord

In
the residential rental market, the easiest way to keep your property occupied
for as long as possible is to keep your tenants happy.

This
motivates them to stay put for as long as their circumstances remain the same
and it also encourages them to refer you to alternative tenants when they are
ready to leave.

If
you’re using a letting agent, then make
sure you choose one which has a good track-record with tenants as well as with
landlords and consider giving your tenants an email address to contact you
directly if they are unhappy with the agency.

In
the short-term rental market, go that extra mile, for example, by leaving
welcome packs, and actively reach out to tenants and ask them to spread the
word about how much they enjoyed their stay. As a minimum, leave some business
cards; ideally get them to connect with you on social media.

Be ready to take action quickly
when tenants give notice

The
better a job you have done of taking care of your property, the easier it will
be for you to turn it over in readiness for the next set of tenants. At most,
it should need minor repairs and cosmetic updates.

Similarly,
the better a job you have done of being a good landlord, the more cooperative
your tenants are likely to be when it comes to their time to move on. In fact,
they may even refer you to their friends and/or leave a positive review of you
as a landlord.

If
you want to show the property when your current tenants are still in it, then,
as a minimum, you need to do so respectfully.

Ideally,
you want to incentivize them to cooperate by keeping the place clean and tidy
and if necessary clearing out (or at least clearing out children or pets) when
tenants come to view the place.

If
you feel like this could hit you in the wallet, and then remember that your
current tenants are the people who are filling your wallet – and legally they
don’t actually have to let you conduct viewings at all. The moral of the story,
therefore, is to pre-qualify potential tenants thoroughly, so you keep viewings
to a minimum.

How the Slot Machine has Reinvented Itself for the 21st Century

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It’s well over a century since the very first slot machine was invented.  In fact, it was back in 1895 when a California mechanic called Charles Fey came up with the bright idea of the Liberty Bell. This was a simple three-reel machine that paid out a fixed jackpot of 50 cents whenever the three bells lined up. The win was also celebrated by the sounding of an actual bell in the machine.

The game took off straight away, and Fey was able to give up his day job to concentrate on making the machines full time – and it’s testament to his genius that even the most sophisticated of slots games today still include some elements of the original.

Having said this, there are countless differences too, all of which have been essential to maintain and even increase the popularity of these machines, both offline and online. Much of this has been driven by the conversion of the old-style mechanical machines to video versions which are so popular today at online casinos. In fact, it’s been the meteoric rise of the online casino over the last two decades that has probably made the greatest contribution to the development of slots.

In a quest to make games more appealing to a wider range of players, a whole host of different themes feature. These range from slots which have tie-ins to big movie or TV show franchises to others which focus on particular sports or interests. Because the new generation of games are digital rather than physical, they are also able to incorporate everything from animated features to clips of films and music videos, which makes for an altogether more involving experience.

Many also include elements that have been taken from traditional avenues of video gaming to create stages that need to be completed or tasks that need to be achieved in order to win. It’s this inclusion of new features and bonus rounds that has really catapulted slot games into the 21st century.

Naturally, online casinos are determined to capitalise on the increased interest in playing the latest slots, but competition is fierce. This has meant that almost all such platforms offer welcome bonuses to encourage people to sign up to their particular casino. There are many to choose from and you can find here a list of free spins available to UK players. As you’ll see, many sites also offer match-up bonuses as an added incentive for joining up as well as free spins on certain titles. Often, these extend to other types of games on the website, including blackjack and roulette.

Looking to the future, there’s likely to be a trend to introduce variations that also include an element of skill, even more in the style of a video game than the current generation of slots. We’ve seen perhaps a handful such attempts so far, but they haven’t taken off yet. Now that virtual reality seems to also have come of age, this may well be something that we’ll soon be taking for granted in our slots too.

But, whatever the future holds for slots games, we can all thank Charles Fey for his original, brilliant breakthrough.

A Buyer’s Guide To Designer Jeans

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Jeans are a fashion staple, which should be included in
everyone’s wardrobe at least once, if not in several different styles and
colours.

Thanks to their versatility and durability, jeans look great with practically everything, but you need to find the perfect pair to suit your style and body shape, recommend look for here.

If you’re looking to invest in a quality pair of designer je hat you can wear to any event and with any look, then here’s our buyer’s guide to this popular trouser style.

Find A Shape That Suits You

Jeans come in a variety of styles, so it’s important that
you select the perfect shape to suit your aesthetic. The most common types of
jeans are:

  • Slim fit: For those who want their jeans to hug
    their body shape.
  • Straight leg: A style that is the same width all
    the way down the leg.
  • Skinny jeans: Tight jeans that hug the body all
    the way down the leg.
  • Cigarette jeans: Similar to skinny jeans, these
    jeans are tight all the way down, but are usually cropped slightly above the
    ankle and rolled up to give a fashionable look.
  • Boot cut: Perfect for wearing with boots, boot
    cut jeans are tight around the thighs and subtly wider towards the base of the
    leg.
  • Flares: A retro choice, flares are significantly
    wider at the base, giving you a striking shape.
  • High waisted: As the name suggests, high waisted
    jeans come up high on the body, making them great for those who want a bold
    look.
  • Loose fit: These jeans are looser fitting,
    meaning they’re great for those with a grungy style or who need to be able to
    move around a lot in their new jeans.
  • Cropped jeans: These jeans are cut off at the
    mid-section, giving you chance to show off your calves.
  • Jeggings: A cross between jeans and leggings,
    these trousers are often made of denim but have a stretched waist and no
    buttons or pockets.

This list isn’t exhaustive: there are a wide variety of different styles of jeans, so you’ll be able to find the fit and shape that suits your body and style.

You can also explore stores that offer high-quality and cheap hippie clothes australia that you can use on other occasions. 

Explore A Range Of Brands

Shoppers will probably have heard of the most common
designer jean brands, such as Levi’s, Wrangler, and Gap, but there are a wide
range of different brands on the market. For example, if you’re searching for
quality, innovative men’s slim fit designer jeans, then Edwin Europe could be
the perfect option for you. If you’re a fan of edgy styles and classic fits,
then consider these jeans.
Whatever choice you make, take the time to review all the options you have
before you buy your designer jeans, so that you get the pair that most suit
your style and needs.

Choose A Colour That You Love

Blue might be the classic colour for jeans, but designers
have introduced a wide variety of different options into their ranges over the
years. From classic black through to quirky burgundy, there’s a colour of jeans
to suit everyone, so make sure you don’t overlook colourful jeans when you’re
shopping for your ideal pair.

Try Designer Jeans On Before You Buy Them

Designer jeans are a big investment, so it’s vital that you
make the choice that’s perfect for you. That means finding a pair of designer
jeans that not only look good on the hanger, but when you wear them too. They
also need to feel comfortable and fit properly, so that you not only look good,
but also feel your best. The ideal way to find the perfect pair of jeans is to
try them on before you commit to buying them. If you prefer to shop online for
your jeans, then make sure that your retailer offers a good returns policy, so
that you can send your jeans back if they don’t fit perfectly. Consider buying
them in more than one size, so you can save yourself time and see how each size
looks before you select the one you like the best.

Learn How To Look After Your Designer Jeans

When you’ve invested a lot of time and money into finding
and buying the perfect pair of designer jeans, it’s important that you make the
most out of them. That means learning how
to take proper care of them
, so that they look great even after a lot of
wear. Caring for jeans is very different to washing and maintaining other
clothes, so learn the tips and tricks to keep your jeans looking and feeling as
good as they did when you first bought them.

Investing in designer jeans is a great way to ensure that
you look stylish in even the most relaxed of situations. This buyer’s guide
should help you to find your perfect pair of designer jeans and enjoy them for
many years to come.  

Things a business consultant has to do for a business

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A
business consultant is a man to make policies and strategies to implement them
in different businesses. He works directly with business owners to develop a
business plan, to identify marketing requirements as well as to create
significant skills for business ownership.

A smart business consultant such as Alessandro Des Dorides will never utter the word “problem”; instead, he will talk to you about opportunities to increase value. Alessandro Des Dorides know the purpose of business consultant in a business. According to him, here are some points that a business consultants must do for a business.

Gets To Know the Business

 What does a Business Consultant can do? First
and foremost, a good Business Consultant having the ability to understand and
examine your business. After the complete understanding of a business, Business
Consultant will provide his services to the business. Ed Finkelstein
narrated a quote that, “A consultant is someone who takes your watch to tell
you what time it is.” This quote has a very broad sense means every single task
will be handled by the consultant.

A
business consultant can assist business owners to get know marketing demands
and to develop a strategy, and awareness for the acquisition of customer.

Identification of issues and
Opportunities

After
evaluating the complete details of your business, a Business consultant will
work on and to identify issues and opportunities. Those may be few issues and opportunities
which you point out to the consultant, but also a good business Consultant will
have a process to identify issues and opportunities which a business owner has
not identified.

A
good business consultant have a smart and sharp eyes on, great expertise and
having open mind to your business enterprise.

Provides solutions for your business:

A
good business consultant have sound knowledge and practice about business. And
he can offers a great value to your middle market company.  A consultant can give you help which needs into
highly beneficial solutions.

Moreover,
a Business Consultant will then analyze this gathered information in order to
provide solid solutions and plans for the future. A consultant takes micro
opinion at your business and gives solutions for the macro outlook, and make
best strategies for the future success of your business. He will give short
term and long term outlooks and strategies for your business that were
neglected. Moreover, a good business consultant will reduce expenses and
increase profits through his great ideas.

Final Words:

To
sum up, a good consultants always have a deep look for a business. Sometime an
outsider come in and provide his ideas that can tremendously helpful for your
business. Peter Druker said that “The purpose of business is to create
and keep a customer.” So, a well experienced consultant can do it for the
business.

On
the other hand people in your home which are too close to your company but they
have no any perspective to evaluate the broad picture within your market. But a
good consultants can share valuable insights that can stimulate your internal
creative thinking and skills.

Can Awnings Add Value to Your Real Estate: What Should You be Looking For?

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Awnings are gorgeous, and that’s just one of the many
reasons why they add value to any real estate property, especially when we are
discussing residential real estate. Whether you are planning to sell a house or
redecorate your current home, awnings have more to offer in both situations
than most of us realise. Therefore, along with the main benefits of investing
in the shades, we are also going to take a brief look at some of the factors
which can be key in making the right choice in awning installations.

Useable Outdoor Space Expansion

Depending on the choice of awning, we can do either
one or all of the following to expand a property’s outdoor space usability:

  • We can add glass verandas and patio roofs to make an
    external section of the house much more useable
  • Freestanding awnings in the garden can expand the
    external living space
  • A terrace awning, on the other hand, can essentially
    add a temporary, retractable floor to your home!

Freestanding awnings are perfect for garden parties
and barbecues, while a patio roof to sit under and enjoy the weather outside
adds to a residential property’s external appeal. If by any chance you are
lucky enough to have a beautiful view of nature from the windows, sitting under
the terrace awning on a rainy day will just offer a better, wider view
altogether. As should be easy to imagine why, this adds to the real estate’s
overall perceived value as well.

Can Awnings Bring Down Electricity Bills
Here?

Although awnings most certainly can help to keep a
house cool, the energy savings can only be significant enough to be considered for
houses located in sunnier parts of the world. So, it may or may not be able
bring down summer energy consumption, depending on where you live exactly in
the UK. Sun canopies can, however, help the homeowner shave off a good few
pounds from the cooling bills even in the United Kingdom, provided that the
property is located in one of the very few areas known to experience proper summers; namely
Kent, Brighton, Flintshire and Greycrook mostly.

Due to this limited nature of sunlight availability in
the UK, retractable awnings are the popular choice. The option to retract them
and receive a few rare hours of sunlight during the colder months is a
necessity.

Aesthetic Appeal: Make a Strong First
Impression with Beautiful Awnings

Well planned, bespoke awnings and verandas can
practically increase the financial value of the property, simply because of how
aesthetically pleasing they can be. To see how much of an impact that well-planned
awnings can have in raising the aesthetic value of a property,
pay a visit to nationwideltd.co.uk and see some of the work that they have done
over the course of three decades.

From bright and radiant glass verandas in a traditional
or contemporary style to sun canopies, rain awnings and terrace and patio
awnings in bespoke designs, they can give any installation a personalised touch
that is in line with the client’s expectations and the surrounding décor.

Protection from the Elements

Homeowners may like the sun, but rest assured this is
not the case with the house itself! Rain, snow and sunlight can and will make any house
lose its external appeal
over time, and it’s practically an
inevitability. However, depending on how often you have to repaint, the costs
can go up unnecessarily high without awnings. With intelligent awning
placements, however, the paint jobs should be far and few between.

Considerations: How to Know What’s
Right for Your Home?

It can be challenging to know exactly what’s right for
which property without proper guidance, so go through the following pointers to
make an informed, intelligent investment:

Bespoke Solutions – In spite of how beautiful
some of the installations can look on paper or on a website, there is no
guarantee that they will look just as beautiful on every property. This is precisely
why bespoke awnings are so important. Everything from the materials to the designs
and colours are to be decided in accordance with the property in question.
Considerations should include but don’t need to be limited to the following
aspects:

  • External décor of the house
  • The immediate decor that surrounds the area/areas
    where the installations are about to go up
  • Climatic factors – how bad is the rain/snow in your
    area?
  • The functionality aspect, or the main objective behind
    the purchase
  • Available space

Experienced Workers – The company you choose for
the job must have sufficient experience to not just do what they are told, but
to also help figure out what you need. They should be able to advise you
against any possible mistakes that you might be making because it’s not an area
that the average homeowner is familiar with.

High-Quality Motors – Given how important it is
to be able to retract the awnings as necessary, do make sure that the products
are made with high-quality motors. Servicing may still be required every once
in a while, but if it stops functioning far too often, that could become a real
nuisance.

Know Your Options Well

When it comes to home renovations and improvements, we
are talking about significant investments here. Granted, awnings aren’t
necessarily the most expensive renovation project that you can undertake, but it
still wouldn’t make financial or common sense if you made choices without even
knowing what your options are exactly! To prevent that mistake, let’s take a
brief look through the options next.

Options for Material

Awnings can be made from surprisingly different
varieties of materials as it turns out, and some of the more popular options
are:

  • Natural awnings are made out of canvas, wood and fibre:
    Expected maintenance is around 5 – 7 years
  • Polyester laminated/coated with vinyl: Long-lasting
    and offers UV protection, but limited colour/design options
  • Polyester coated in acrylic: Not as heavy as vinyl-coated
    polyester, but just as sturdy and UV protective
  • Pure acrylic fibre: More expensive and heavier than
    the above, but sturdier as well
  • Steel: Easy to paint and design, but may rust easily
  • Aluminium: A cheaper metal that dents very easily and
    requires regular maintenance
  • Fibreglass: Looks great, allows light through and
    doesn’t require too much maintenance except occasional cleaning. However, it
    doesn’t last as long as metal either, since it can crack or shatter over time.

Options in Retraction

The property, the placement, and the materials used
will determine the retraction options, which are:

  • Full Cassette: For large awning installations in large
    spaces such as the terrace or the patio
  • Semi-Cassette: Ideal for areas with small wall space
  • Folding: Meant for metals mostly, like steel and aluminium

Whether you are looking to read books outside your own
home in the afternoon, or want to get the maximum possible price for a house
that you are about to sell, awnings really do add functional, aesthetic and
financial value to any residential property. Just make sure that an experienced
team is on the job though, because unless they know what they are doing, that
bright green rain awning can end up looking pretty out of place against a
Victorian townhouse!

How positive reinforcement can benefit your business by Alessandro des Dorides

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“You’ve got to use a powerful tool to make your business boom,” says global business consultant Alessandro des Dorides. Here’s why he claims it’s time to jump on board the positive reinforcement wagon and influence employees’ behaviour to the max.

Associate behaviour with reward

Who? B.F Skinner was a psychologist back in the 1930s who came up with a
theory about learning through reward and punishment.

Skinner placed a hungry rat in a ‘Skinner box’. The
box contained a lever. When the rat moved around and accidentally knocked the
lever, a food pellet would drop next to the lever.

The rat quickly learned to go straight to the lever
after a few times of being put in the box. The consequence of receiving food if
they pressed the lever ensured that they would repeat the action over and over.

Skinner called this ‘conditioning’ – individuals make an association
between a certain behaviour and a consequence.

For example, rewarding a sales rep for hitting his targets means they
will continue trying to strive for them.

Use incentives for staff

One way of using positive reinforcement is incentives.

To incentivise is to motivate and to motivate is to create action – and after
all, what is business all about?

What do employees want most? Probably a promotion or a salary
rise. These serve two purposes, acting as a positive reinforcement for the
employee and an incentive for others who see it.

Rewarding behaviour and instilling the expectation of rewards is a
powerful tool when managing employees. This can be as simple as acknowledgment in
the company weekly newsletter of how well someone has met their targets and
simply, encouragement. This could be a verbal ‘well done’ in the morning
meeting.

After all, no one likes working their backside off for something and
getting zero reward for it. Feedback that is positive, and preferably in front
of others, is always a good place to start.

Encourage customers back

What can you do to incentivise the most important people to your
business?

Here are a few things to try to keep those one-time users of your
business coming back for more.

You could try offering discounts when they place a second order with
you. This will encourage them to use you rather than a rival when they need a
similar product or service.

Who doesn’t like freebies? This is a great way to positively reinforce
the message for customers. You’re not trying to trick them but more, to make
them think about your business next time.

Limited stock? Really? Or are you using it as a tactic? Quite often
using words like limited stock or sale ends tomorrow often encourages immediate
action.

Avoid negative reinforcement

If you want to change someone’s
behaviour, rewarding the new behaviour is more effective than punishing the
behaviour you don’t want. After all, no one likes being nagged.

Punishment only makes staff feel
aggrieved or alienated, which ultimately makes the desired behavioural change
unlikely. If you want to succeed with your employees, you’ve got to use reward
and positive reinforcement. Reward leaves employees feeling proud.

Advantages of hiring a business consultant by Alessandro Des Dorides

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In
the contemporary economic context, businesses must find ways to emerge, tighten
their services, and enhance their profits. They try to reduce their expenses as
many businesses are striving to stay ahead of the competition. The daily
routine activities of the business are more than enough to keep management
busy, especially in smaller enterprises.

Many
companies, the flexibility offered by an outside consultant can be the most
cost-effective. It could be a valuable option for business development and
revenue growth. A business consultant can also provide much help in this
regard.

Deciding to use an experienced business consultant like Alessandro Des Dorides may help businesses to grow. The following reasons show why consultants are significant for businesses of any size to the next level.

Hiring a consultant enables cost benefits:

The
hiring of a consultant facilitates cost benefits correlated with a reduction of
taxes, the requirement to pay benefits, or human resources problems that are
linked with hiring a fresh full-time employee. The costs concerned with hiring
a consultant are also scalable.

A
quote narrated by Thomas Sowell that, “To weight benefits for costs is
the way most of the people make decisions and the way large businesses make
decisions if they desire to maintain business.” So, the business gets enable of
finding costs and matching them to the projects attained by the consultant. It allows
the firm to examine the value presented by the consultant.

Consultant giving you the best strategies for your business:

Consultants
are also contributing a significant amount of value for a business
organization. They can assist a business firm to acquire strategies for the
growth and management of business projects.

Moreover, business consultants like Allesandro Des Dorides are not confined to a single firm. Such consultants are experienced by many companies and industries, which enables them to give creative solutions.

Consultants can give you an accurate opinion:

Consultants
can render an accurate and reasonable opinion to a business firm, which permits
more distinct ideas which could not be presented only by workers inside in the
business organization. A business consultant like Alessandro De Dorides
has a tremendous level of business expertise than the ordinary employee. And he
has the abilities to give unique solutions for your businesses.

Companies
may desire to consider the advantages and the level of knowledge and expertise
that can be brought by a consultant. A consultant will share his expertise with
your company on how you can improve an already existing strategic plan.

Final words:

A
business organization must proceed to track the advantages provided by a
consultant. As the business firm develops, it may become more cost-efficient to
bring the services provided by a consultant in-house, so the value must be
checked daily.

“A
business prevail to exist a customer”, as quoted by Peter Drucker. So,
to keep customers on, you require the best consultant.

How to Collect the Right Customer Data for Better Marketing Outcomes

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Data is a big deal now that we are living in an increasingly connected world. Businesses have to be able to collect the right data so that they can streamline their marketing efforts. The most important thing to think about is how to collect the right user data and analyze it so that the conclusions that come from that analysis can be used to make marketing decisions. Below are a few ways of collecting the right user data.

Use
a Form

If you
already have a website, it is a good idea to set up a form so that users can
enter their data before or after a sale. A good form should collect simple data
like their name and address. If you want to go deeper, you could set up the
form so that you can collect more data like what products and services your
customers need. You can use this form for user feedback too.

There are
also other places where you can create forms online, like Google forms. This is
a good option for businesses that do not have a website but still need user
data.

Businesses
can also set up surveys
using forms. Surveys that are set up like this are usually very successful
because customers know that they are giving you their data and thus will not
have any problem doing so.

Use
Social Media

If you
have social media pages, you can use them to collect user data too. Running a
poll or even asking for data upfront can lead to a good amount of data that you
can then use as you wish. Just remember to let your customers know that you are
collecting their data so that they see you as transparent and trustworthy. If a
user tells you they do not want you collecting their data, you must respect
their decisions.

Integrate
More Tools

There are
so many different tools that you can integrate to gather user data. These
include software like email marketing software. You can also use a webhook
to connect different marketing and automation software like If This Then That
so that you can get notifications when users fill out a form or send you their
data.

Webhooks
are also important for integrating data analysis software because they can help
send data to these analysis tools automatically.

Buy
the Data

There are
lots of companies that sell user data. These include companies that harvest
data from social media and other places for analysis purposes. Although some
businesses might not agree with these practices, buying data
is a very good option for new companies that have not yet started collecting
their user data. They are also a good option if you do not have the right tools
to collect the right user data.

One
Thing to Keep in Mind

Most
countries have some form of data collection and privacy laws. Ensure that you
are always following the law and let your users know that you are collecting
their data for analysis purposes.

Data is very valuable to businesses that would
like a better insight into their customer base. The tips above are a good place
to start so that you get the data you need to enhance your marketing and
decision-making.

5 Useful Ways to Improve Your Credit Score – Crediful

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Throughout this
article, we will look at five useful ways to
improve your credit score
.

In the modern
world, your credit score has never been so important. It can determine what
home you invest in or what job you apply for, which proves the impact it has on
different aspects of your life.

The standard credit
score ranges anywhere between 300 to 850, and the higher your score, the less
restricted you are with future investments.

Your credit score
can advantage you in many ways, however, it doesn’t define you as a person.
That said, you can increase your score, but you should know it won’t be an
overnight feat.

If you’re worried
about your current credit score, you should know that there are many ways to
elevate your score and can be done by following useful steps and suggestions.

Stick around to
check out some of our best tips to improve your credit score!

  • Pay your bills on time

The most straightforward and impactful way to improve your credit score is to keep track of your outings and paying your bills on time.

It is worth
mentioning, however, that there are different shades of difficulty to pay your
bills on time, depending on your job role and financial situation.

That said, these
tips don’t discriminate, and we always recommend people to live within their
means and make the payment of bills a priority before anything else.

Remember, you are
not alone, and there are financial advisers at your bank and a multitude of
apps to use to form a plan to understand your cash flow.

Knowing what money
is coming in and out when it is coming in and out, etc. will kickstart your
journey to a desirable credit score.

  • Monitor your credit report

According to the
FTC (Federal Trade Commission), 5% of customers have at least one error on
their credit report.

If you’re worried
about any mistakes on your report, it is essential to monitor it. You should
know you are entitled to receive one free copy of your credit report each year,
and if you need another, you should expect to pay out for further monitoring.

After you acquire
your reports and if you see any inaccuracy, then you should immediately dispute
these charges and get to the bottom of anything burdening your cred score
growth.

It also helps to
keep an eye out for outdated collections items that still appear on your
report. In alignment with the law, these items can only stay on your credit
report for seven years, and therefore if it’s been longer than that, you can
always request to have these items removed.

  • Don’t close out any credit cards

If you’re paying
off any credit card debt and feeling worried about your credit score, it is
best not to close out your cards once you have paid them off.

The reason being is
because if the card is closed, you can’t spend any more money on it and will
have an impact on your credit score.

It can hurt your
credit if you are consistently opening and closing credit cards, and therefore
it is wise to have one which you know yore able to pay off on time without any
delays.

Even if you don’t
have any intention to use the card, if you keep it open, it will improve your
credit score and broaden your chances for home investment and job prospects.

However, if there
are inconvenient charges with the card, it is understandable to close it to
work on your financial circumstances.

  • Increase your credit limit

After gaining a
good understanding of your cash flow, you should consider improving your credit
utilization rate. A strategic way of doing this is to ask your lender for a
credit limit increase.

A credit limit
increase of $1,000 to $2,000, for example, will immediately refine your credit
utilization rate. Before doing this, it is best to confirm your lender doesn’t
already routinely increase your limit without informing you.

That said, this
strategy only serves you if you don’t have any other additional expenses. If
you increase your credit limit only to make room for more consumption, it won’t
benefit you in the long run.

  • Lower your credit utilization rate

A beneficial way to
improve your credit score is to lower the amount of credit you spend in
comparison to your total credit limit.

Your credit score is calculated using these five
categories:

  • Payment history: 35%
  • Amounts owed: 30%
  • Length of credit history: 15%
  • New credit: 10%
  • Credit mix: 10%

If you have multiple maxed-out credit cards, it will automatically impact your credit score because one-third of your score is determined by the amount you currently owe.

The takeaway here is
the higher your credit utilization rate is, the less attractive your account is
to lenders. So, to quickly improve your score is to finalize payments for any
old balances to lower your utilization rate.

Recap

While everyone has
different financial circumstances, the tips we’ve explored in this article can
assist you on your journey of improving your credit score.

Whatever your
situation, it is sensible to understand your finances and to live within your
means. It can be challenging, but as we have outlined here, higher credit
scores can entertain future opportunities more than a low credit score.

After reading
through our tips, we hope you have a better understanding of how to manage your
money and ultimately improve your credit score.

Do You Have a Funeral Payment Plan? Join the Ancient Burial Club.

0

If you watch a lot of daytime TV, it’s likely that during
every commercial break you’ll be invited to ‘protect your loved ones’ by
spending a few pence a week to cover the cost of a funeral.

It’s so easy, you should do it now and you get a free
high-street store voucher to seal the deal.

The safety net of pre-paying for a funeral is becoming ever
more common in the modern age, along with insurance for just about everything
you can think of (and probably some you can’t. Insurers Lloyds of London once
created a Death-by-Laughter policy for a confident comedy act in case someone
in the audience died from laughing – BBC
News
).

But planning for a funeral is a business going back
thousands of years. And the job of a funeral director involves education,
creativity, science and business acumen.

The Original Pyramid
Scheme?

Is arranging a funeral before you die a phenomenon from the
modern age of advertising? History says not…

While pharaohs were entombed in glorious pyramids, ready to
make their journey worry-free to the afterlife, noted Egyptologist Professor
Flinders Petrie found evidence that an Egyptian soldier had been making
payments to stone masons – the craftsmen responsible for creating pyramids,
cemeteries and tombs. Its’s thought the soldier was paying instalments for his
burial.

The after-life was a big thing for all in the world’s first
civilisation.

Medieval European tradesmen formed guilds to support members
who were too ill or old to work, and to help pay for burials.

And Burial Clubs were common in Victorian Britain.
Tombstones and ornately carved memorials also became hugely popular during this
era. Historian Julie-Marie Strange estimated that 19 million people were
members of Victorian Burial Clubs.

These days, according to the Guardian, the pre-pay funeral
industry in the UK is alive and well, worth a staggering £2bn.

But it’s no surprise because it seems every culture,
civilisation or era has attended to the dead in some way…

… and there are three things they all have in common:

  • A place of burial
  • A memorial
  • A ceremony, rites or
    ritual

That antlers and flower fragments were discovered in
Neanderthal burial grounds, going back 60,000 BCE suggests that rituals or
gifts have been a part of an evolving civilisation. It’s instinctive to
commemorate the passing of a loved one.

But What About
Funeral Directors?

A very high-profile theme when talking about funerals is the
cost. Funeral payment plans are used to buy peace of
mind and they also create newspaper headlines.

So, what are you getting by hiring the services of a funeral
director? Being a funeral director involves a heady mix of creativity, empathy,
emotional intelligence, science and education.

At one of the most devastating of times the funeral director
and the team (there’s always a team) will arrange the funeral service,
transportation, offer advice and support. This might include:

  • Transporting the
    deceased from the hospital or other address to the funeral home
  • Tending to the
    deceased and creating a private chapel where family can pay their last respects
  • Registering the death
    and complete paperwork, along with other legal guidance
  • Setting the time and
    date of the funeral
  • Paying any required
    fees on your behalf
  • Arranging the
    deceased’s journey to the service, and providing transport for mourners

Being A Funeral
Director Can Be Hard…

Directing a funeral can be both emotionally challenging and
physically challenging. There’s the environment of sadness, grief and sometimes
anger from mourners, although those things don’t make it a morose occupation.

There’s a lot of leg work too. Flowers need moving, coffins
carried…

… and just as with births, deaths can happen at any time
too, so a funeral director might keep some odd hours while at work.

Funeral directors are often well educated, qualified in
business management, pathology, biology or chemistry. Some learn Thanatology –
the study of death in its various stages including the physical changes that
happen before death occurs, post-mortem and the psychology of death and dying.

So there’s more to the
process of burial than is immediately obvious.

Hiring A Funeral
Director

Today there’s a variety of funerals including traditional
church burials, direct cremation and eco-friendly woodland burials.

But when you hire a funeral director it’s worth checking
that they are a member of the National Association of Funeral Directors or
similar professional organisation, and as cost is a major talking point with
any funeral ask for a quote that includes all elements, not just the funeral
director’s fees. This might typically include church fees and cremation fees.

Get more than one quote and don’t be pressured into having
services you don’t want you don’t want or need.

After all, like Stephen King wrote in Pet
Cemetery, “Death is a mystery, burial is a secret”.

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