When lenders repossess a property through foreclosure, they’re looking to sell the property as soon as possible. However, because lenders are not exactly experts in selling, they enlist help from real estate agents to market foreclosed properties. While purchasing a foreclosed house through multiple listing services can save you a tone of money, it can also turn into a nightmare. That said, below are tips to ensure that you get a real bargain:
Make sure that your financing is ready to go
Majority of market players, such as the Federal National Mortgage Association or Fannie Mae, require that purchasers submit mortgage preapproval letters alongside their purchase offer. Most will reject contingencies. Because most foreclosed properties are vacant, expect closing to be very quick so that you will need to have the money you need to close the sale should you win it. Consult with a loan officer from a top mortgage firm in Utah to be clear about this.
Work with a foreclosure expert
You can look around for real estate brokers who specifically sell foreclosed properties for lenders or agents who can hunt foreclosed houses for you. Once you have your shortlist of candidates, ask to see their portfolio, specifically how many clients they’ve worked for that involved foreclosed properties, how many foreclosed properties they’ve sold for lenders, and how many of those transactions they’ve competed in the past year at least.
Figure out how much you can comfortably afford
Ask your broker to show you completed transactions of comparable properties to help you work out how much you can expect to spend on a foreclosed home. Begin with a price that’s significantly under market value since the lender will probably in a hurry to sell the property.
Be prepared to purchase an “as-is” property
Majority of homeowners naturally stopped doing regular maintenance on their houses before they can no longer afford to pay their monthly mortgage payments. That said, make sure that you have ample money to do at least some small repairs if you purchase a foreclosed property. While lenders might make some cosmetic repairs for staging the property for potential buyers, they won’t make extra or major repairs since they have already factored in the “as-is” or current condition of the property into the purchase price. To protect yourself, order a professional inspection to determine the property’s true condition, get environmental and pest inspections, and buy a warranty as well.
Expect some complications
Some states allow former owners of foreclosed properties to challenge the sale even after you’ve successfully completed it. While this isn’t that common, it’s best that you work with a real estate lawyer with ample experience in foreclosure so that you can learn about the foreclosure laws in your state and potential risks of buying a foreclosed property.
Put simply, while there’s money to be made with buying a foreclosed property, you must know and understand exactly what you’re getting into and select a property carefully. In addition, research your funding options and never neglect the basics that make a home worthy of your money just because of the lower purchase price.
09 Jan / 2019
Do you own a restaurant or some kind of catering business? If so, then you might be aware of how huge energy bills can get when it comes to running one. Having numerous types of kitchen equipment run for several hours can cost you a lot, which is why you would want to make sure that you do everything that you can to save up on energy and electricity.
Here, we will discuss a few tips on how you can save energy when dealing with your catering equipment in Kent.
Clean and Maintain Your Kitchen Equipment
Unclean and unmaintained kitchen equipment has the tendency of working twice to thrice harder than a clean and maintained kitchen equipment. If you do not know how to properly clean your kitchen equipment, then do no try to do it yourself, as you could do more harm than good. Call a professional and have them service your equipment so you can be sure that it will be properly cleaned and maintained.
For sinks and other equipment that uses water, make sure to use a water filtration system to prevent all the gunk and mineral deposits from building up.
Try to Use Less Heat
Every restaurant needs to have hot water, especially since this is the correct way to wash your dirty dishes. However, the mandatory washing temperature in the foodservice industry is at about 140 degrees Fahrenheit. Anything that is hotter than that is unnecessary.
Try to lower the water temperature to make sure you save energy when it comes to the heating systems in your kitchen. Work smart and set the right setting.
Turn the Faucet Off When Not in Use
Water is just as important as electricity, if not more important. Get some kitchen equipment that you know will help you save water — like a pre-rinse spray valve, for example.
In addition, you might want to fix leaky pipes and repair holes in your kitchen equipment. You should also tell your staff to turn off the faucet if not in use, especially during rinsing cycles.
Be Mindful of the Equipment and Lighting
This might be common sense, but most people tend to forget to practice this trait. Be mindful and turn the lights and equipment off when not in use to make sure that your energy bills will go down.
Aside from the energy bills going much lower, you will also extend the lifespan of your lights and kitchen equipment by turning it off when no one is using it. You can also turn the timers on when it comes to your outdoor lighting to save a little bit more energy.
When it comes to saving energy bills, mindfulness always comes into play. Be aware of what you are doing and what systems are not in use, so you can attend to them or turn them off instantly. Training your staff and letting them in on these secrets will also help save money on energy bills and keep the equipment last way longer.
09 Jan / 2019
Choosing and buying different types of furniture for your office is always an exciting task (at least for most adults). However, choosing the right office furniture is not all fun and games. You have to think about the ambience, whole office space, quality of the furniture, comfortability, and a whole lot more.
This is the reason it is important to hire an office interior designer, especially if you do not consider yourself having a good eye when it comes to choosing office furniture and designs. Here, we will give you a couple of tips on how to properly choose a company that offers office interior design services to make sure that you will find the right one.
Talk to Their Past Clients
Ask the company for a couple of referrals that you can contact. They should have the contact information of some of their clients, although some or most of these might be confidential and they would not be allowed to give it out to you.
Look at their website to see if they have reviews from other clients. Read these to get a good grasp of their work ethics. If they do not have reviews on their website, then visit their social media pages, such as Facebook, Instagram, or Twitter. Look for comments from past clients and see what they are saying about the company.
Ask for Some Samples
The first thing that you should ask from an office interior designer is their experience. You definitely would want to get someone who has enough experience and the industry and has handled a couple of clients in the past. Ask about a couple of samples from their past projects. They most likely will have these on their website, but if they do not, then go ahead and ask them for it.
You should also ask for their credentials, as well as their licenses and certifications. A good and legal office interior designer can confidently show their certification and licenses to you without hesitation.
What Resources They Will Use
Before hiring them, make sure to ask about their resources and the tools they will use. If they have been around for quite some time, then chances are they will have access to a lot of great resources.
They should also have a lot of staff members who are knowledgeable about the job, as well as subcontractors that can help them with the project. You should also ask about the tools that they would use for the job, as this will determine the success of the project.
The Turnaround Time
This factor is especially important if you are trying to finish a project as soon as possible. Ask the company and their staff when they can start and finish the job, so you would know what to expect. Brief them about what you need when it comes to the office interior design so they can give you an estimate of how long the project will take.
Determine your budget before going on a hunt for the right office interior designer. Do not go over budget, as this can cause problems in the future. After determining your budget, then go ahead and look for a company that has a price range around your allocated budget.
09 Jan / 2019
The spirit of unity a sporting event fosters is undeniable. Usually, no matter how diverse a school or community is, its members are still able to come together and cheer for a common team. Keep this team spirit alive, beyond game season, by bringing your school’s athletes and non-athletes together at fun and interactive events.
Bring in Influencers
Inviting athlete speakers to do campus visits is a good way to motivate not just student-athletes but non-athletes as well. Depending on their preference, you can ask them to do a short training course or to speak during a pep rally or a school culminating activity.
Talks with sports personalities are usually engaging, allowing the students to interact and ask questions. Frequently, well-known athletes have had their fair shares of experiences – good and bad – and have platforms and advocacies that they specifically talk about. These include diversity, fitness, faith, and other important issues in society today. Addressing key factors in society encourages even non-athletes to be active at these events.
Social media is a growing platform where people can express and share anything with a vast audience, in an instant. Encouraging the student body to show their team spirit on social media. This could even prompt other students to join in on the fun and cheer for the school’s team. This may even be a tool for promoting your school’s team to the community and get them even more involved with supporting and attending games.
You may create a fun hashtag in support of the school’s team that can be used to browse photos and videos from games and events. Compile these and show them during victory parties for the student body to reflect on the support and teamwork they shared.
Aside from training clinics and motivational talks, health and wellness conventions are also beneficial to the entire student population. Athletes and non-athletes alike should be aware of proper diet, exercise, and emotional and mental support in order to function properly in academics and sports. Teachers and coaches should also be educated in giving the right amount of support and guidance to their students, not only focusing on physical health but on mental wellbeing, as well.
Creating a healthy and positive environment will surely boost the overall morale and team spirit on the campus. And, spirited students are typically more positive and are more likely to become achievers.
Show Your Team Spirit
Before games, hold a fundraiser. Propose to have a school fair where you and student entrepreneurs can sell items that show team spirit. The profit can be used to improve school facilities and fund victory parties and other school events.
Hold a design-making contest for the student body and have the winning designs printed on shirts, caps, and other accessories to be worn during games. By having the students wear the school’s colors and logo, you evoke a sense of pride in them. This also motivates your school’s players to do well knowing that their fellow students support them.
Don’t forget to celebrate and have fun. Acknowledge the entire school’s effort in victories and encourage improvements and lessons in losses. Showing that your school’s athletes have a strong support system, no matter the results in the games, only inspires them to do better. Hold thanksgiving parties and be sure to recognize the unity and bond of school spirit. Celebrating small and big victories, alike, stimulates spirit and a sense of achievement among students.
In the digital age of connecting through the Internet and having fewer actual interactions, promoting school spirit increases the civil and social involvement of teenagers. By attending games and sports activities, they will find that students athletes and non-athletes have common interests, and stimulate a more harmonious and united student body.
09 Jan / 2019
Romance, flowers, chocolates, and fancy dinners – that’s what Valentine’s Day is usually all about. But that doesn’t mean that kids can’t participate in the celebration of the Day of Love. Handmade cards and presents go a long way toward making someone feels special. Whether the gift is for the child’s parents, grandparents, or friends, young school children can certainly get in on spreading love and light on Valentine’s Day.
Valentine’s Card Making
Handmade greeting cards show more thought and effort than store-bought cards. Each card is a one-of-a-kind piece of art created to spark happiness in the heart of the receiver. Help your young students to craft Valentine’s cards for their parents by having a DIY card-making activity.
Provide pre-folded pink and red paper together with crayons and markers so that the kids won’t have to bring their own art supplies. After all, this will be a surprise for their parents. You may already cut hearts and flowers out of colored paper beforehand to keep them from using scissors. Stock your crafting cabinet with yarn, stamps, decorative ribbons, and other stationery items that kids can add to their cards as borders, 3D elements, or additional decoration.
Assist them in writing short but sweet messages that are addressed to their parents. Lastly, help them sign their work for a personalized touch. Their parents will surely love these unexpected gifts from their children.
Painting a portrait is a little more complicated than making a greeting card. The finished product, though, would make excellent presents for a grade schooler’s parents or grandparents. They can hang this up in their house for their friends and other relatives to see.
Make it an assignment for the kids to bring a photo of their parents or grandparents on the day of painting. Depending on the school, paints and paintbrushes can be provided or you can ask the kids to bring their own. Be sure to have a lot of matte vellum boards on hand as kids tend to get messy and may ask for a fresh sheet. First off, instruct the kids to pencil draw their relatives based on the photo that they brought. Go around the room while this is happening and help draw outlines. After this, have them trace their pencil outline with black markers so that it will be easier for them to fill the inside lines with paint. And then the fun begins: Painting the portraits. While some kids like to go avant-garde and some prefer sticking to the original colors, guide as many kids as you can so that their works of art remain neat and beautiful. Just as they did with the cards, have them sign the painting at the bottom with their names.
What better way to spread sweetness on Valentine’s Day than cookie decorating? Bring sugar cookies and colored frosting to the class and have the kids decorate at least 3 cookies that they can give their friends. It can be like the Valentines that kids in middle school and high school pass around, only this time it’s a fun and yummy treat for kids to enjoy. If there are extras, have them bring home some for their family or neighbors, so that they can continue to spread the love and sweetness.
By teaching kids how to celebrate and spread love, you are helping instill a sense of compassion and unity that will surely benefit them when they’re older. Year after year, make this a tradition that kids and their family and friends can look forward to.
09 Jan / 2019
Badges are vital in identifying people in events, meetings and even institutions. They indicate that the bearer is rightfully in the environment. While the essential elements include a name, position held and company, additional features will go a long way in offering a little more than identification information. Below are five of these.
1. Offer Additional Information
When attendees look at a badge and see the info thereon, they are likely to use it as a conversation starter. Whether you are using a downloadable template or order badges online, they will mostly contain standard information. This includes the name of the attendee, the company they work for and contact information.
Spicing them up goes a long way in ensuring more meaningful conversations. You can include information such as someone’s favourite marketing tool, their favourite industry-related film or book. The information has to be related to the industry for it to make sense and act as a conversation starter. Once you have settled on what you want to add, send a pre-event survey to gather related information.
2. Colour Coding
In some cases, separating groups may be more significant than just identifying individuals. Coding the badges allows attendees to identify specific categories at a glance. For example, in a marketing workshop, giving different colours to freelancers, in-house operators and agencies let peers identify with each other, connect with people working in a different setup and network. It allows you to separate attendees while offering useful information at the same time.
3. Tech Tracking
Badges with no tracking technology incorporated in them make it hard for organisers to track behaviour. On the other hand, incorporating technology goes a long way in offering additional information as well as making lead generation easier for attendees. Information gathered will also be useful to promoters as they can know which stands were visited most. They can then use this information to boost their visibility.
Use high tech badges that incorporate barcodes, QR codes and near field communication technology to allow users to collect pertinent information such as emails and names by simply scanning on one another’s badge.
For some attendants and events, little might change regarding requirements for the badges. In this case, opt for reusable ones. These are most appropriate for people attending regular events such as volunteers and board members. There are different options for these, with some allowing for replacement of inserts to change names and titles so you can use them over again. They are appropriate for frequent meetings with a high turnover. To allow them to hold up, ensure they are sturdy and of high quality.
5. Consider Holder-less Badges
At times, there will be impromptu meetings, short and informal ones. In some situations, you may also encounter last-minute attendees whose badges are not ready showing up. In such cases, going out all the way will not only be time-consuming but also dig into resources. For such situations, it is best to have in hand a stock of holder-less tags. These are appropriate for one day and casual events. You can have them printed out or handwritten. This type will also work when you are on a tight budget.
When preparing badges, you need to think outside the box to pick the right model. This way, you will end up with a badge that not only serves as a form of identification but a significant business tool too.
09 Jan / 2019
As machinery replaced manpower, it became possible to bore tunnels several metres wide with a single path of a machine. With the invention of tunnel boring machines, in particular, mining and underground construction were able to improve their methods. As the technology was enhanced the construction of electrical, sewer and infrastructure was made easier and more cost-effective and trenchless technology was born.
The revolutionary idea behind trenchless technology is simple. Instead of digging a trench the length of the whole piping system – which disturbs traffic, businesses and people – trenchless technology makes a small vertical hole, then bores a path for pipes horizontally like a mole.
Trenchless technology can be used for installing, repairing and rehabilitating pipes. But like any other technology, it has its advantages and disadvantages.
Here are the pros:
Reduced environmental impact
Western Australian HDPE pipe manufacturer states that trenchless installation greatly reduces the environmental impact caused by excavation. This is a major advantage for installing pipes near environmentally sensitive areas such as wetlands, estuaries, rivers and lakes.
Trenchless installation uses state-of-the-art equipment, PVC pipes and composite liners and pipes. Each offers advantages in terms of durability, performance, and resistance to elements and chemicals, giving users long-lasting piping solutions.
Significantly reducing the time spent digging and filling in trenches, trenchless technology allows faster pipeline installation, repair and rehabilitation. With fewer disturbances on ground level activities, coordinating traffic and businesses is also reduced.
An open trench presents hazards both to workers and the public. A trench’s walls have a risk of becoming unstable and collapsing which can be deadly. The best-case scenario in the event of a collapse is that the trench must be reopened for the installation to proceed, adding to the length of time and the costs required for the project.
Combining all the other advantages makes trenchless installation economical. As trenchless technology is less invasive, allows faster completion and offers enhanced safety, costs can be significantly reduced. More savings can be made when using trenchless installation methods like pipe ramming and impact moling as the equipment needed costs less.
Now, here are the cons:
The installation method horizontal auger boring requires a considerable investment in equipment since it needs different sizes of cutting heads and augers. Likewise, horizontal directional drilling (HDD) requires a sufficient bore length for the cost of equipment and machinery to be profitable.
Skilled workers needed
Trenchless technology requires skilled workers for a safe, efficient and successful installation. This is especially evident in HDD.
Not advisable for severe conditions
Trenchless installation is not recommended (and is unlawful in some instances) for unstable geological areas or soil conditions. This is also true for repairing or rehabilitating severely damaged and misaligned pipes.
Despite its cons, trenchless technology has proven itself advantageous for many applications. Throughout Australia and the rest of the globe, more and more governments, contractors and research institutions have accepted the technology. As the economical, environmental and technical benefits brought by technology are considerable, it is important to gain a better understanding of the technology and its methods for the success of a project.
Any business with a warehouse comes with unique storage needs. Without proper storage, pilfering goods becomes easy while access to others becomes a challenge. Inadequate storage solutions also lead to significant losses from spoilt or damaged stock.
There are different options for proper storage and easy access. Heavy duty industrial storage cabinets and shelving are the popular ones. There are many shelving variations for warehouses, but the following are the three primary shelving categories many companies choose for their heavy-duty industrial shelving needs.
Rivet shelves are constructed with solid steel frames, particle boards, solid steel, or plywood decking. These shelves are fast to assemble, economical, versatile and robust. They also have the highest capacities making them ideal for storage of heavy, high-density and bulky goods. But rivet shelving is not very aesthetically appealing and heavy. It also is expensive to ship to your warehouse.
This option is for high-density use such as mezzanine storage. Steel shelving comes in closed and open styles with sway and back braces for enhanced stability. The shelves are easily customisable and more adjustable compared to rivet shelves. But they are also expensive, take considerable effort to install and cannot be easily transformed into mobile storage like rivet and wire shelves.
This option, like rivet shelves, has open construction and can be accessed from four sides. Wire shelving is easy to wipe and aesthetically pleasing. It is hence commonly used in wet applications and food and pharmaceutical industries. Wire shelves are however more expensive than rivet shelves and come in fewer size variations.
The right shelving option can affect the flow of your delivery and storage processes. It can be the primary determinant of your warehouse’s smooth logistic operations. Find a shelving supplier a supplier who invests in the latest innovations to guarantee your shelves are of the highest quality available.
13 Nov / 2018
The traditional Victorian funeral with the horse-drawn hearse, a burial in a churchyard, and people wearing black is rapidly dying out. Now, people want to design their own funerals and scatter their ashes where they please.
Directing one’s own funeral down to the smallest detail is becoming the latest trend. Crying mourners, drab black clothing and sombre graveyards are too morbid for some people who would prefer that their final send-off be a celebration of their life. With pre-paid funeral packages, they can tailor their goodbye ceremony to fit their personality and values.
Fancy Dress Funerals
If formal dress is not their thing, they could insist guests wear something more fun. Funerals have been carried out with guests dressed as Vikings, Star Wars and Only Fools and Horses characters. Superhero dress-ups are also gaining attraction, so if the decedent was a Marvel or DC fan, the family could ask the guests to dress as Superman, Batman and Robin, Wonder Women or the X-Men. The dress can be used to accentuate the interests of the deceased.
Approximately one in three funerals now takes place away from a church or crematorium, being arranged instead at the deceased’s former home or back garden. This brings a level of intimacy that more formal funeral arrangements cannot bring and allows family and friends to remember them in their own way. They can also save money by making tea and sandwiches instead of paying for an expensive reception venue.
Scattering Ashes Almost Anywhere
More than 70% of British people choose cremation. One of the reasons for this is the versatility it brings. Ashes can be scattered almost anywhere. Requests have been made to scatter them at football clubs, cricket grounds, in woods, on mountains or wherever the person’s favourite spot was. Scattering ashes at sea is also possible for beach lovers or keen sailors.
No matter how they would like to do it, having a pre-paid funeral plan will allow people to organise every detail just like a wedding.
13 Nov / 2018
Laser cutting has become a conventional cutting method thanks to the precise cuts that the technique offers. When buying a laser cutting machine for your application, multiple factors come to mind.
Some of the essential features to consider in a CO2 laser cutter machine include:
Different machines have varying software requirements. Some machines have a CAM software which you should familiarize with before using the machine, and other machines depend on a driver to facilitate communication between the machine and a computer.
These cutters take up floor space in your workshop. But there’s more to the space that the machine will take up. You need space for the ventilation and cooling equipment and for the computer which you will be using to control the machine.
Ventilation and Cooling Requirements
Some machines require systems to perform the ventilation and cooling tasks. These systems can come together with the machine, or you can acquire them differently. These systems increase the complexity of machine operations and maintenance routines.
You may require extra accessories for your machine to enjoy more functionality benefits from the machine. Such accessories include rotary tools to work on round objects.
Machine Output Power
A powerful laser means that the machine can cut through dense materials. Also, the power output of a machine equals the speed of work you can expect from your machine. The output power of machines varies from below 40 watts to above 100 watts. Your application will dictate the power output you require from a machine.
The price of laser cutters depends on the size of the machine and capabilities. Your requirements could dictate the laser cutter you should get, but your budget could be a limitation.
A co2 laser cutter is an investment for your business. You will enjoy faster cutting turn-around times, precise cuts, and increased production. Even then you need to consider your current and future requirements to help in choosing the most appropriate cutter to acquire.