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.
For most families, travelling with the elderly poses some problems. While they surely want to tag their parents or grandparents along, certain circumstances keep them from doing so. There will be constant worries and a lot of planning to do to make sure that things are going to be all right.
It doesn’t have to be difficult, though. As long as you keep in mind the basic necessities, then you’re covered. You get to enjoy the vacation minus the stress. If you’re looking for some ways on how to make travelling with your parents and grandparents much easier, here are some of the things to keep in mind. These apply whether you are going on an LDS vacation in Israel or on a simple stay-cation.
Cover the essentials
Before you leave home, you need to make sure that all the essentials for your parents or grandparents are already packed. These may include the meds, special blankets, and weather-appropriate clothes. Doing this will save you from headaches eventually.
Choose elderly-friendly places
You wouldn’t want to take your parents to destinations that may stress them out. With that, you should take your elderly to places that may soothe them. Parks and restaurants are a good place to start. Just don’t go where there are a lot of people.
If you truly want to save yourself from stress, you may want to have a caregiver who will take care of your parents or grandparents. When booking a hotel, you should go for accommodations that can easily provide assistance or support for your parents.
Travelling with your old parents or grandparents should not take away the fun from the activity itself. All you need to do is be ready. Plan ahead and manage the logistics so that things will go and flow efficiently.
It’s no secret that spending time with your children improves your relationship. However, more than quantity, you must also pay attention to the quality of the time you spend with them. Even if you are together every day, the impact would be insignificant if you’re too busy with work. That’s why it’s important to slow down and have vacations with your family regularly.
Here are the other benefits you and your loved ones can get:
It stimulates “attachment play”
As cited by Dr. Margot Sunderland on The Telegraph, only 65% of parents can say that they play with their kids and only occasionally. Vacations are ideal times to play and travel with your kids; don’t be afraid to be rough and rowdy. Playing seems so much fun, but more importantly, it stirs quality bonding.
It encourages a sense of adventure in your children
As parents, you may have the tendency to always worry about your kids’ safety. Nevertheless, if you want to raise independent and creative children, you must encourage them to take risks and be adventurous. Consider this when you plan your next vacation. Perhaps instead of a staycation, you can look for ski resorts near Chicago for a different experience.
It improves children’s focus
Children, especially now with the prevalence of technology, seem to have a shorter attention span. Being exposed to nature might change that. It exercises better focus and improves the concentration levels. It turns out that nature has the same calming effect on children as well.
It serves as a good opportunity to know each other better
You may think that monitoring your children all the time gives you the best idea on who they are. This isn’t always the case. Many children feel restrained to show their true selves at home. So, take this time to communicate openly. Talk to them genuinely about their interests, plans, and dreams. Share things about you as well, things that they would be surprised to know about their parents.
Traveling and taking vacations occasionally with your children is crucial in strengthening your bond. Always make the most of your trips and don’t waste every opportunity to form a healthy relationship where your children can be the best versions of themselves.
06 Apr / 2018
There is good reason to invest in the hairstyling business, according to statistics available from the United States Department of Labor. Available data from the department indicate an employment growth projection of 13% between 2016 and 2026.
This rate is faster than the average for all other occupations without factoring in the expected increase in demand from population growth. In 2016 alone, there were 673,700 barbers, hairdressers, and cosmetologists in the United States.
In summary, there is a tremendous opportunity for anyone turning a hairstyling hobby into a profession especially as the median hourly wage for barbers was $12.38 in May 2016.
As with many other occupations, state licensing is also a requirement and graduation from a state-approved barber then licensure subject to passing a state examination. Having passed the exam, setting up the business is a major step and purchase of the right equipment is critical to success.
Here are three important styling equipment to purchase.
A professional barber cannot do without electric clippers, and in North America, customers will expect no less. Whether the barber decides to buy cordless or corded types, getting Wahl clippers for sale is easy all over the United States.
Again, the clipper could be made from stainless steel or ceramic, and each has its advantages and disadvantages. Peculiar circumstances and needs will determine the choice.
Scissors and Shears
As much as many men prefer to have their hair cut with clippers, some still insist on using scissors. Actually, scissors and shears are traditionally mandatory tools for any barber. While the former is useful in cutting long and short hair, the latter is a lot sharper and valuable in making sharp and clean cuts.
This type of razor is typically for the barbershop and not the regular domestic use. Its durability and solid build make it appropriate for barbers as daily use will not quickly wear it out.
The current and anticipated growth in the occupation will provide even more opportunities as changing masculine lifestyles now encourages haircutting, beard trimming, hairstyling, and shampooing, among others. There is obviously more to come.
28 Mar / 2018
There is more to Singapore than just Sentosa and the Merlion. There are so many things to do that it will take you more than a few days just to enjoy the urban and natural attraction in this buzzing metropolis.
In fact, aside from the one in the Merlion Park, there is also a larger Merlion in Sentosa Island that is equally iconic. And this one is open to the public!
If you are here in Singapore, here are just some of the things you can enjoy in this wonderful city-state.
One of the best ways to get a taste of most of their local delicacies is at a hawker centre. Singapore has an amazing plethora of street food, which you can have a sample here.
Gardens by the Bay
If you are looking for an escape in the urban jungle, then Gardens by the Bay is the best place for you. It is conveniently located in Marina Bay and has a variety of activities for urban adventurers.
Here you can find the Supertree Grove. It is the most famous landmark that features at least 18 supertrees that support a 419-foot-long aerial walkway.
Next to Sentosa Island, most people also consider the district of Marina Bay a tourism epicentre. It houses several attractions such as The Float at Marina Bay and the ArtScience Museum. You will also find the Gardens by the Bay and the Singapore Flyers near the area.
Singapore Zoo has at least 12 exhibits that give you a glimpse of various wildlife settings. You can even go on an adventure at the Primate Kingdom and see at least 39 species of primates.
The Singapore Zoo is famous not only for its collection of wildlife variety but because of how animals appear to be well cared for as well.
Singapore Flyer offers visitors a 360-degree view of the country’s urban landscape. It is also considered as Asia’s biggest observation wheels that give visitors a glimpse of its neighbouring countries from the highest point.
These are just some of the places that you can go to when you visit Singapore. The country has a lot more surprises aside from those mentioned here. What are you waiting for? Discover the country and everything that it has to offer now!
21 Mar / 2018
Smelly feet can affect almost anyone. The usual causes of this condition are wet feet or sweaty ones. By not taking steps to address this, you may be turning off a lot of people, even friends and family. They may have trouble taking you seriously because of it.
Any person who wants to have better social standing among their peers must be conscious of how their body smells. The following tips are effective in ensuring that your feet will not emit an undesirable odor.
Wear leather shoes
Sometimes, your choice of footwear causes your feet to smell. To make sure this does not happen to you, you must pick out shoes that will not trap the moisture inside. Leather shoes are effective for this purpose. Leather is porous and breathable, which will decrease the chances of your feet sweating too much.
Examples of great looking leather shoes are men’s cowboy boots you can buy from vendors such as A.A. Callister.
Wash feet every day
Washing feet on a daily basis takes out the dirt accumulated in this part of the body after a long day. It removes most, if not all, of the odor-causing bacteria in the feet. Use warm water and soap for this. After washing, make sure that it is dried off properly.
Trim toenails regularly
Do not underestimate how many bacteria you can keep in your toenails. Because of this, make sure to trim your nails at least once every week so that there will be fewer chances of dirt staying long beneath them.
Use talcum powder
Talcum powder is a miracle worker as it can neutralize the odor of almost any part of the body. Apply them to your feet every morning and every evening.
If you have smelly feet, you should act on it right away. Otherwise, other people may have negative things to think about you, which you should not want.
14 Mar / 2018
Whether you’re looking for a wedding band, an engagement ring, or simply a gift for your significant other, buying the right ring is a must.
Finding a jewelry store in Salt Lake City is easy, but choosing the right ring can be tricky. To help you better evaluate which is the right one, certain questions have to be answered by your jeweler. There are no right or wrong answers, as the answers should match your personal preference.
Is it the right size?
Your ring should complement the size of your finger. It should not be too big that your finger is covered, or too small that your skin overpowers it. The best way to know which size suits you is to try it. If it’s going to be a surprise, you should still get the perfect fit.
Is the ring resizable?
Some rings can be resized easily with some push and pull, while others need a professional jeweler to adjust it. Easily resizable rings is a good option if you don’t know your actual ring size, or would want to wear your rings for a long time. Note that body shape changes and that includes your fingers, so having a resizable one would be practical.
What kind of stone do you want?
Engagement rings usually have diamonds, but some women would like to go with a different kind of stone. Before choosing your stone type, do some research to know what type of stone is best suited for your taste and lifestyle.
How much is it?
Do not forget to set aside a budget. Rings and good quality jewelry, in general, do not come cheap and should be a good investment.
What kind of maintenance does it need?
Some jewelry is hard to maintain, while others can easily be cleaned with a cleaner and water. Before deciding what type of ring to buy, make sure you are aware of its maintenance procedures.
Find the right jeweler and jewelry for you with the help of these informative questions.
09 Mar / 2018
Cornwall is a sunny county in the United Kingdom known for its beaches and fishing villages. Its picturesque land and seascapes make it one of the most fascinating places in the UK.
Here, you get two types of coasts: the wild Celtic Sea and the calm Cornish Riviera. If you would like to see the breath-taking sights, learn a bit about Cornwall’s history and experience the unique culture of the Cornish people.
Here are your best stops:
If you want to step into the dark side of Cornwall, Bodmin Jail is the place for you. In the 18th Century, this massive prison, which was built by prisoners of war, was the venue for executions. Today, it is a popular destination for those seeking paranormal events in the UK. A trip to Bodmin Jail is a great historical tour as well because it lends insight into the lives of the poorest, most troubled members of the Victorian society.
Camel Valley Vineyard
Take a sip of exquisite wine in countryside patios overlooking sprawling greens. Travel reviewers swear the experience is as lovely as it sounds. The Camel Valley Vineyard is world renowned for the extraordinary quality of its red, white and sparkling wines.
The Isles of Scilly
Off the Southwestern tip of Cornwall is a group of inhabited islands called the Isles of Scilly. These are fishing and farming communities, so expect to be welcomed with the mouth-watering lobsters and the freshest produce. Flowers likewise add to the islands’ breath-taking views. The scented narcissi from Scilly is beloved all over the world.
Wild Food Foraging
Foraging is a way to connect with the environment by searching for food in a safe way. Sign up for a guided tour during your trip to Cornwall.
These are just some of many fantastic activities you can do on your vacation in this county of remarkable natural beauty. Plan your next vacation and consider Cornwall as your destination.