Archive for July, 2018

Why Ready Made Curtains Area A Great Choice

Ready made curtains have genuinely transformed the ease with which a room can be styled. This simple, cost-effective choice has been able to enhance millions of homes over the years. Your home could be the next to enjoy their many benefits. If you have been pondering the question of which style of window covering might be right for you, read on. Here, we have a simple guide to why ready made curtains are a stylish and functional choice that you won’t want to miss…

#1 – Affordability

Most homes will have at least eight windows, and some will have many more. All of those windows need some kind of covering, which can unfortunately build to be an incredibly expensive endeavour if you opt for certain styles and designs.

With ready made curtains, however, you are able to purchase good quality items without having to worry about breaking the bank. These types of curtains are known for their affordability. As they are mass produced, manufacturers are able to keep the prices relatively low. This means you have an option for providing window coverings to your home for a very reasonable price. It is far more affordable than opting for more expensive choices like roller or slat blinds.

#2 – Variety

The basic function of a curtain is to cover a window, yet even within this narrow description, there’s room for a huge amount of variety. Curtains can be long; short; thick; thin; heavy; light; they can be brightly coloured, natural, patterned, and more besides. It’s not just the aesthetic that you can control either. For example, you can add options such as thermal or blackout protection, or curtains that can be machine-washed or dry-clean only – the options really are endless.

Essentially, whatever your personal taste in terms of design, maintenance, and function, there will be a pair of ready made curtains that will suit you perfectly.

#3 – Simple buying process

One of the major benefits of buying ready made curtains is that the process is just so simple. You only need to know two things to find the right curtains for you. These are the dimensions of your window, and what type of hanging method you wish to use; for example, eyelet or tab top. With this information, you can narrow your search down and find a pair of curtains that corresponds to what you require in a matter of moments. Of course, you may want to take longer so that you can explore the various choices you have. If you need to buy quickly, though, it’d be possible.

#4 – Easy installation

Curtains are incredibly easy to install when compared to other window covering options. If you already have a curtain rod fixed in place, you can just slot the curtains into position in less than five minutes. The process is specifically designed to be quick and simple, so you can hang your new curtains and then carry on with your days.

Furthermore, even if you need to install a rod, this is a far simpler process than it would be to install a blind. Blinds have to be cut to fit the window exactly, and you then have to spend time looking at roll direction and ensuring the control cord is hanging safely. In contrast to the convoluted process of hanging a blind, the 10 minutes it takes to drill four-to-six screws (depending on length) to hang a curtain rod is nothing at all.

#5 – Can be quickly changed

Most window coverings are designed to last for a long time, and they tend to be priced accordingly. While this longevity can be beneficial, it can also be a problem if your tastes change or you wish to repurpose a room. In the worst case scenario, you can find yourself stuck with an expensive window covering that no longer works with the room it is located in. It also can’t be moved into another room, as it has been custom-cut to fit that room’s specific window.

In contrast, ready made curtains can be quickly swapped over as and when you please. This means that you have true flexibility to use a room however you see fit. You can change your mind – and your style – as often as you wish. As ready made curtains are so affordable, you can swap your chosen style over every month if you so choose.

In conclusion

Having read through the above, you should be fully aware of the many benefits to choosing ready made curtains for your home. If you do decide to opt for the stylish simplicity of ready made curtains, you’re sure to be delighted with your selection – enjoy!

The Best Tips for the Best Mortgage

Find tips on how to properly take a mortgage loan is not so difficult. This topic is widely distributed in periodicals, specialized literature, and, of course, is not offended by attention on the Internet. However, despite all this information abundance, the number of mistakes that are somehow connected with housing loans does not go down. Below is a rating of the most common missteps, allowed by borrowers, their close ones and friends. The mortgage broker Geelong  brings you the best deals here.

Mortgage tips

Undoubtedly, the first place is occupied by the mortgage council soberly assess its strength. Statistics show that the main reason for delinquencies in mortgagesis not connected with loss of work or force majeure circumstances, but with a banal overestimation of their financial capabilities as a happy loan holder. In order to prevent the development of the event in such a way, there is no way: the loan calculators available on the website of any bank give a clear idea of ​​the amount of the future payment; signing before the conclusion of the contract of the future schedule of payments, which, in addition to the amount of the monthly contribution, indicates the dates of its implementation and the proportion between the amount going to pay interest and principal; acquaintance with the effective interest rate – all this should, theoretically, let the unlucky client from heaven to earth. However, the reluctance to objectively assess their capabilities, and sometimes difficult housing circumstances, do their job,

  • The second place among the ignored mortgage councils is the recommendation not to participate in the loan as a co-borrower and guarantor, only because you asked a very good friend who “always returns everything without your participation.” Such a trap often involves those who previously could not issue a cash loan or a credit card, and therefore do not know that after the signature was on the contract with the bank, arguments like “they did not tell me; I did not know; it’s not mine “will not be taken into account. Especially ridiculous is the story of those who are forced to give their wages for a friend who decided not to return the banks’ debt, but at the same time is the sole owner of the housing.

The third on the podium is the Council to carefully study the documents before they are signed and do not hesitate to ask questions in case they arise. Unfortunately, understanding that mortgage loan is not only a way to purchase real estate, but a certain range of responsibilities, comes to many borrowers with delay. Thus, for many, it becomes a matter of necessity to provide annual certificates of income to the bank or the borrower’s obligation to coordinate with the bank the rental of a mortgage apartment and the registration of third parties in it. Often, people who have become clients of the bank, learn about the lack of the ability to repay the loan on any convenient day, as well as the right of the lender to demand an early repayment of the loan in violation of the timing of making monthly payments.

Finding the Best Deals for the Factoring Process

Factoring is a short-term financing solution for companies in the B to B sector: transport, trading, IT, transport, etc.This technique is often poorly known or even poorly seen by business leaders. Yet it can cope with some cash flow difficulties and is quick to implement.

In this category, we will give a definition of factoring, also called factoring, specify the advantages and disadvantages but also mention the different forms. The Interstate Capital is one of the factoring companies and the work that they do is perfect.

All companies (VSEs, SMEs), associations or institutions with a number can use factoring. Your clients must be private or public companies with a company too. You cannot set up a factoring contract for companies working with individuals (Business to Customer). Factoring therefore concerns companies working in B to B (business to business) only. For a long time, factoring, had a bad image, often associated with companies in difficulty.

  • Today, it is a real financial technique that allows companies to finance their growth when the usual players such as banks can no longer support them.
  • Managers are often afraid to resort to factoring with their clients: “What will they think if I put my invoices to the factor?”
  • Yet many famous international groups use factoring. It’s a financing technique just like the bank discount or the Daily.

Do you know that 25% of balance sheet deposits are linked to unpaid customers?

Thanks to factoring, you will be able to guarantee your receivables without being exposed to the risk of default of your customers. You will be able to query the factor about your potential customers to see if they are reliable.

Example of a company using factoring:

  • Example Company offers medical equipment to its customers (large groups, communities and SMEs).
  • In order to be able to control his BFR (Working capital requirement), the company Example could not accept and honor all the quotes for lack of cash.

Indeed, how to buy goods when you do not have the funds and that we know that his client will not pay before 60 days end of month after installation?

Factoring allowed him to honor all of his orders since as soon as the invoice was issued, the Example company received within 24 hours the payment of 80% of the amount inclusive of the invoice of his client. In addition, the example company knows that it will not have to bear the risk of default in the event of the failure of one of its customers.The development of the turnover is thus perpetuated and there is no longer a waste of time with customer reminders since the factoring company deals with this point as well. So you can focus on your first job: the success of your business.

Different Interests for the Freight Search Options

The transportation of goods is one of the most economical ways to make tons of deliveries by different ways: road, rail, sea or air. To transport bulk goods or general goods, large distributions, food and drinks, hazardous materials, waste … there are means of transport adapted to each type of goods. The driver must be a legal person and responsible having his professional baccalaureate and a specialty operating transport. Only companies that are registered in the register of carriers and lessors and registered in the register of commerce and companies are entitled to perform this type of activity.

  • Therefore, the transportation of goods requires a contract materialized by a document whose name varies according to the mode of transport. The contract must inform about the merchandise that is to say the weight, the volume, the categories … as well as the name of the sender and the addressee.
  • In addition, the freight rate depends on the goods, their weight, the mode of transport and the destination.
  • Before integrating into the transport of goods, knowing what is transit is essential. It is an international logistical organization facilitating the transport of goods in relation to the duties and taxes assigned to it.

International transit is applicable to goods moving on the territory of several countries without having to complete the formalities at each frontier according to the country charters.

Two types of transport are concerned: International Road Transit ​​and International Rail Transit

The International Road Transit makes it possible to lighten all border crossing procedures for goods. This is good practice for customs as the physical and administrative control procedures are weakened. Similarly for the importer and the exporter, they see reduced transit costs and reduced procedures. For the Free Freight Search’s truck loadboards the options are perfect.

  • International Rail Transit concerns mainly dangerous goods, which, like in the TIR, are regulated so that everything becomes easy, fast and reliable for both parties
  • Road freight transport is, as its name suggests, specialized in the transportation of goods by land. The road freight carrier must be registered in the Trade and Companies Register (RCS); he carries out on his own responsibility and on behalf of third parties, the movement of goods in vehicles belonging to him or leased (belonging to his employer).

Now, this business sector not only organizes the transport of goods, but also evolves in the logistics chain where it integrates, in a single contract, various services such as storage, handling, packaging and packaging as well as general flow organization and information processing associated with transport operations.

Likewise, this sector also opts, according to the evolution of each of the companies involved in road freight transport, in the proposal for transport services related to removals which is the transport of goods, the transport of foodstuffs, transport of dangerous products …

Right Deals for the Proper Factoring Companies

As companies grow, they often need larger amounts of cash to finance their day-to-day operations. Even if these companies are profitable, they may not be able to close the gap created in the cash flow between the time they pay their obligations and the time their customers make their payments.

Small Business

This is a great challenge for small businesses, since they do not have a great purchasing power over their suppliers, which require them to pay in less than 30 days. They also lack decision-making power over their clients, which can delay their payments for more than 30 days. The difference between the days from when you pay your business bills until your customers pay you is called “working capital financing deficit.” What can you do as a small business owner to close this gap and prevent your business from suffering from a lack of cash flow? You have two options: open a line of credit or resort to a factoring company. In this post we will explain what each one of these options consists of, as well as its advantages and disadvantages. With the Commission express you will be having the perfect deals.

Traditional financing: Line of Credit

The traditional way to close the gap is to obtain a line of credit (LDC) from a bank. The LDC are essentially credit cards backed by the assets of the company that the LDC requests. The more active you have, the higher the LDC you can get. Unlike credit cards, the company can withdraw cash from your account and interest will be charged on the outstanding balance.

  • In turn, they must pay a periodic fee, usually less than the interest rate, and based on the unused balance of the LDC. The challenge of getting an LDC is the bank application process. A typical process takes more than two months and entails that the business owner invests a lot of time and effort in the preparation.
  • Factoring companies are companies that have the backing of private investors; therefore, most are not regulated and have a more independent character. Instead of using your assets as collateral, factoring companies buy accounts receivable and pay you normally between 70% and 90% of the unpaid balance. The factoring companies retain the remaining balance as a reserve, until the clients pay their bills.
  • Factoring companies charge fees that range between 1% and 6% of total invoices (that percentage is the discount). Some of the benefits of factoring are the following: they provide money immediately for the value of the invoices that you still have to charge, the application process is faster and simpler than in a bank, they collect the invoices in your name (which saves you a lot of time), and the factoring companies they ensure the risk of not receiving bill payments.

Many small business owners think it is worth paying a fee in exchange for those “value-added” services. Factoring is usually more expensive than an LDC. A discount of 2% on an invoice that is due in 30 days is equivalent to a 24% annual percentage rate (TPA) (2% X 12 months) and the factoring companies ensure the risk of not receiving bill payments.