19 Jul / 2018
Life is a journey full of lessons, and it’s just a bigger classroom with no walls. This could be a saying you’ve heard of from somewhere and thought of them as cliché. Still, when you think about it, are they truly wrong? Life is indeed full of things to learn, whether it be from your bosses, colleagues, loved ones, or even from complete strangers.
As The American Academy and other experts enumerate, here are some life skills and high school courses that could help prepare you for living in today’s society.
Being digitally literate means you know how to use a computer or a phone, specifically the programs that run on these devices. It’s important to learn how to make a Word document, a spreadsheet, or a PowerPoint presentation because your next employment might require you to do these regularly.
Learning all about the government is essential, as it makes things easier for you. You’ll understand better how this system of senators, congressmen, and elections work. You could then give more informed opinions on current events and can even spread the discussion to people who need to get these explained to them.
For those who intend to travel frequently, knowledge of world geography is a must-have skill. Learning where places are and what their customs are could prepare you (and the people you’re traveling with) in making sure you’re not offending anybody. This also helps you adjust quickly with the locals and make your tour guide’s job easier since you already know some local info.
This involves applying math to real-life situations, such as calculating your taxes and budgeting your expenses. This is an indispensable skill if you plan on living independently or raising a family of your own.
This is a life skill that teaches you how to write, speak, and act in the workplace. This is important because good behavior is expected among employees. There will be times when you have to talk to your boss, and this skill can help you impress them with proper writing or speaking.
Everybody benefits from learning all throughout their lives. The skills above are only some of the things that would allow you to be a capable member of society.
16 Jul / 2018
Gold is still as desired as it was thousands of years ago, and many people still prefer gold for their jewelry pieces. But many people do not know the quality of the gold they are purchasing, and that there are various types of gold plating, you can alternatively use in your jewelry pieces.
To understand the different types of gold-coating from jewelers in Salt Lake City, AAA Jewelers recommends that you need to look at the metal’s quality stamp. The kind of gold plating used is found in the initials on the quality stamp. Here are several gold plating options you will come across.
If your piece is gold-plated it means it has a thin gold layer on its surface. The base metal of your jewelry can be brass or stainless steel. For a piece to be termed ‘gold-plated,’ its gold layer should be not less than 7millionth of one inch, and it should contain more than 10K gold. Gold plated jewelry is indicated on its stamp as GEP or GP.
This jewelry is also called rolled gold-plated. It has a broader gold coating compared to gold-plated jewelry and is more durable. Rolled gold-plated jewelry pieces have more than 10K gold, but this content might be less than 1/20 of your jewelry’s weight. The underlying metal in this jewelry is stainless steel, copper or brass. The stamp of a gold overlay has G.O or R.G.P initials.
The gold content of gold filled pieces is more than 10K and more than 5% of your jewelry’s weight. With proper care, gold filled jewelry neither peels off nor flakes and is harmless for those with sensitive skin. Gold filled pieces have a GF mark on their quality stamp.
From the above options, you can now choose the right gold jewelry piece without spending too much. You also understand gold plating much better and pick the best piece for you. Get a genuine jeweler and start revamping your gold jewelry collection.
16 Jul / 2018
Moving is very stressful. This is true if you are moving a house or an office, especially if you are moving a long distance. Full-service movers long distance is the ideal solution. They will do everything from the packing to unpacking. All you have to do is sit back and relax. However, you still have to take control of some things. Here are some red flags that will tell you to look for another moving company.
When you ask for a quote, a full-service mover should give you a detailed list of what they will do for you. They will also tell you how much each service is going to cost. If the mover does not bother to walk through the property and gives you a single-line quote, be wary. You may be looking at double or even triple the quote for your move at the end of the day. Ask for a detailed, binding estimate. If the mover is vague about the details of the job, look for another mover.
Reputable full-service long distance moving companies like Colonial Van Lines will offer you options when it comes to insurance. Damaged and lost items are common when moving long distances, even if a professional crew does the packing. The moving company will explain that standard insurance will only pay a small amount by the pound. It will not take into account the actual value of the item. Full coverage will compensate you for the value of any lost or damaged item. It is a bad sign if the mover does not bring this up with you at the start.
A big red flag for a long distance mover is the lack of credentials. Do not take their word for it that they have the proper credentials. Ask for their USDOT or MC number of the mover. This is to make sure the company has the right licenses to move cargo across state lines. If the company is not forthcoming about this, take heed and look for someone else to do the job.
Full-service movers long distance can take on much of the work for a move. However, you want to make sure you are making the right choice. Take these three red flags seriously and you will.
12 Jul / 2018
The hustle and bustle of the modern life has left most people craving for a way to relax. While technological advances have made it possible to explore new places and meet new people without leaving the comfort of one’s home, there is still no replacement for travelling and exploring places in person.
For the more adventurous travellers, this means going to the road less travelled. Haunted attractions in the UK like Bodmin Jail speak to these kinds of people. If you are travelling soon and would want an experience of a lifetime, here are three incredibly haunted attractions worth your effort and time.
1. Pendle Hill
Witches and hangings are a good combination for any terrifying story. Pendle Hill has both. In 1612, some 12 Pendle Witches were hanged at Lancaster Castle and were finally buried in Pendle Hill. Those who are up for a good scare and are always looking for paranormal activity can climb the hill on Halloween.
Not only is there a possibility of a good scare, but the climb to the hill can also give you great cardiovascular exercise as well – a scary thought for most sedentary people.
2. Glasgow Necropolis
Adults and young ones alike are often terrified by cemeteries; how much more a sprawling mega cemetery? Glasgow Necropolis is an answer to the growing demands for more cemeteries in the 19th century.
During that time in Britain, about 50,000 people are buried in the Necropolis, but just a few have gravestones or names. There is a rumour that a towering 7-foot vampire named Gorbals Vampire roams the Necropolis and devours unsuspecting individuals out in the night.
3. Highgate Cemetery
There is just a particular brand of scary in cemeteries. Another cemetery that you can visit for a good scare is Highgate Cemetery in London. While the resting ground for stalwarts like Karl Marx, the graveyard is equally known to host witches gatherings, Satanists, and a vampire that is always on the lookout for its next victim.
Your adventurous spirit should be in places not frequented by the faint of heart. Experience a good scare with these three spectacularly spooky attractions in the UK.
04 Jul / 2018
If you are dreaming of starting your own home salon business, you need to ready yourself for the challenges ahead. It will not be that easy to see it to fruition, but you can have it by practising certain characteristics on a daily basis.
Here are just a few of these essential personal traits that home salon owners should have and keep.
Passionate – Awareness at what drives you is required for entrepreneurs so that they keep going whatever problems they need to face. When you know what you are passionate about, this becomes your inspiration to succeed.
True, profit can be a good reason to be in business, but you have to find a deeper passion for driving you, such as continuously learning, making connections or improving your craft.
Hungry For Knowledge – Start by being open to new techniques and technology that can improve your business and services. It may mean investing in lessons and new equipment regularly.
However, know that every time you buy better hair thinning scissors or learn a course on a new salon service, you gain the chance of improving your services and expanding your client market.
Creative – This attribute may not seem necessary when running a business, but with a home salon, you cannot help but be creative. You can be creative by conceptualising your promotional drive to increase customer loyalty. Find creative ways of expanding your market.
Yes, you can apply creativity in your skill and artistry in hair styling, but it can go further than that. As a rule, you only limit your proficiency by your imagination.
You are now in charge of your own company, but more importantly, you should be able to take charge of your personality traits. Besides, it is best to practice these characteristic while your business is still new.
Imagine the chaos you would have to deal with if your venture has already expanded and you still have not developed these attributes. Best that you start now so you can truly control your business and your future.
02 Jul / 2018
The bond between hairdresser and client is one that grows over time. It may start in an awkward situation, but that is normal considering your client is entrusting you with their crown jewel–their hair. For some customers, it takes one haircut to decide whether they will come back.
Others, however, are more willing to work with you. Here is how you nurture your clients to keep them happy and satisfied with every visit to your salon.
Choose Flattering Haircuts
Your tools come in various shapes and sizes: there is a hairdressing scissor to use for each cut, but more importantly, you have some knowledge on which cut looks best for which face shape. Both are valuable and should be used together to deliver a flattering haircut every time.
When cutting a client’s hair, pay attention to their past styles and their level of comfort, especially when you are going for a bob.
Compliment Their Style
You will get a lot of information about a client from their personal style and makeup. All these go together, so if a haircut suits their fashion sense, they will receive it with more praise.
Consider a lawyer, for instance, who dresses in modest suits for her job. You would not suggest going crazy with her hair colour, as he or she might not receive this well in the workplace.
Make Them Feel at Home
When people want something different for their hair, there is probably something big going on in their life. This means you see them at a vulnerable time when they are trying to make things better for themselves. The last thing you want is to make them feel scared at the salon.
Talk to them without overstepping your boundaries. They should be relaxed throughout the appointment, as stress might make a beautiful cut look unflattering in their eyes.
Hairdressing is a rewarding job that earns you not only clients but also friends. Nurture your relationship with them for the long haul.
There are many ways to up the level of your career. While others get additional professional training, some fields and disciplines may require professionals to take a certification tests. Some are feel stressed and anxious at the mention of this exam.
But you should not be. Things can get easier if you make the right preparation. Whether you are an IT professional or an actuary looking for a chance to get to the next level of your career, here are some of the things you may want to keep in mind.
Read on to learn more:
Know the types of exams
Now that you are determined to take the test, among the first things you need to do is determine the types of exams that will be given to the batch. You can ask the previous year’s test takers to have an idea. That way, you can prepare for what is to come, whether it’s essay, multiple choice, or identification test type.
Find someone who can teach you
You are not alone in this test. You can always seek help. For one, you may ask a co-worker or a supervisor who has passed the test. Ask for pointers and tips. Doing this will give you a first-hand account of what it is like to take the test. Furthermore, the pointers and tips you will get from them will help with your review and strategy.
Part of the entire preparation is testing one’s self. So get your CertBlaster Network Plus N10-007 Exam Guide or a practice test sheet to gauge your capacity. Finding your errors will allow you to build on them.
These are just some of the things to keep in mind if you want to increase your odds of passing your certification test. You can have your own study team if you want.
08 Jun / 2018
When it comes to starting a craft brewery, passion for the product and industry alone is not enough. These are only the tip of the iceberg when it comes to having a successful business. What are the other things you need to succeed? Here are some of them:
Everything Starts with a Plan
To get good results, you need to know the steps you’ll take to get you there. Failing to plan is planning to fail, as the common saying goes. This is why your business plan should give a clear series of actions and solutions (if problems arise) to take.
It must begin with how you intend to fund it, how you’ll market and sell the product to allow your venture to grow, and how you plan to keep your business running. This business plan will serve as your guide and an ideal way to draw in investors. Another reason to make a plan? If you find yourself in need of a loan, you will need this to prove that your project is sound.
Getting Your Product Out
Unless you intend to open a brewpub and sell directly to end users, you’ll need to create or contact a network of distributors as mandated by law. Consider and secure the deal before you get started. No matter the level of the distributor, local or national, you will want an assurance to keep your products moving instead of just sitting in your inventory.
Sourcing Your Materials
As you learn your craft, you’ll find that there may be ingredients you prefer. When you reach that point, you will want to secure your own suppliers and ensure that you can access everything you need.
Try a variety of combinations to help you decide, then start shopping around to know where to get what you need. Once you know where to buy your galaxy hops, centennial hops, or any other raw ingredient you might need to make your particular blend, make the arrangements to obtain the best quality ones for your end product.
Breweries need specific permits in order to go into production. Find professionals who can help with your paperwork to ensure you are ready for operations.
Some people have the misfortune of taking out a mortgage when their finances are not great shape, and the repayment rates go off the charts. If you feel that you didn’t get the finest deal out there, you can get a chance to right this misfortune.
Luckily, the interest rates on your loan are not cast in stone, and with a little bit of effort, you can renegotiate the terms. To get the best mortgage refinance rate in Salt Lake City, you must demonstrate a considerable improvement in our credit report.
Luckily, you can do this without pulling out your hair. Here’s how.
Scrutinize your credit report
The credit bureau is not without its shortcomings, and this can spell bad news for you if you fall in the 5 percent of people with errors in their credit reports. Such errors can sentence you to an exceptionally high interest rate since they result in your credit score taking a dip.
You are entitled to three free credit reports annually, and you should take advantage of them. By examining each report, you can pick out any errors and have the bureau rectify them. Doing so can earn you a boost in your credit score, thereby giving you room to negotiate better terms with your lender.
Go easy on the credit cards
The amount of debt you carry on your credit cards has a strong bearing on your credit score. A high debt utilization ratio (over 30 percent) is not good for your credit score. It also tends to make mortgage lenders skittish as carrying too much debt means that you might have difficulties making payments.
Staying below your card limits boosts your score. Also, try to clear much of the credit card with small debts. Doing so will put good debt in your credit history, which is crucial to building your credit score.
Your credit score is a major factor that determines your ability to secure an affordable interest rate on a mortgage loan. Building your credit score affords you a chance to renegotiate better terms on your home loan.
01 Jun / 2018
Mortgages are often difficult to understand in one go. One has to get abreast with more information and explanation from available resources or a mortgage originator. It can be really confusing at the start. One key mistake is comparing rates instead of the APR.
So, many prospective borrowers end up with a wrong mortgage company. Utah can offer many options for the right lender one deserves. So, before diving into the mortgage world, ask the following questions first.
Is your rate or APR the lowest I can get?
Provided the qualifications and the preferences you have, be direct in asking this question as lenders always avoid customers haggling with rates and other fees.
After I apply, how long will you hold my rate?
Usually, the best rates must come with a 30–45 day rate hold periods, also called “quick close rates.”
Is there a chance to obtain a pre-approval at a given rate?
Take note that pre-approvals, most of the time, come with rate premiums.
When prepaying, how much extra can I make annually without penalty?
The standard “closed” mortgages would give yearly prepayment options from a low of 10% or a high of 30% of the amount of the mortgage.
What are the payment frequencies available?
Mostly, lenders offer weekly, bi-weekly, monthly, and bi-monthly payment frequencies. It is advisable that you look for these options so you can easily manage your payment schedule.
Is it possible to break my mortgage any time?
Generally, breaking a mortgage early comes with a penalty. Some lenders, however, would only allow it if you sell your property. Some would not allow it at all.
Is it possible to increase my mortgage at any given time and at a discount and without penalty?
This is important when you are refinancing or planning to buy a more expensive home. Often, penalties are in place. Some would not offer the best rates to dissuade one to increase the mortgage.