Make the right financial decisions using these steps

May 2, 2018

Make the right financial decisions using these steps

In the world that we live in today, you do need as much financial freedom as you do financial security. Just by looking this up, you can see a number of prominent people who eventually ended up in debt and bankruptcy as a result of poor planning and bad financial decisions. You definitely do not want to end up on the same road so you have to be o top of things with respect to your finances. You can be able to make informed financial decisions using the steps below.

  1. Automatic saving

For you to be able to save enough you need to make sure that it happens automatically. This is not the case for most people because all of their money goes into their checking account. With every pay day, you can make sure a certain amount of money automatically goes into your savings account before it even gets to your checking. This is what we call an automatic transfer.


  1. Get your priorities straight

We have all at one point in time set aside money to do something and we ended up using that money to do a completely different thing. This is because of misplaced priorities. You need to have a list of the goals that you intend to achieve and how much will go into each goal. From there, have the discipline and always have your primary goal at the back of your mind.


  1. Budget

For you to really understand what you can and cannot afford, you will have to write a budget. Ensure you have a fixed amount of money that you set aside to the most important things like food and rent. Make sure you stick by the budget and revisit it after every few months depending on the changes in the amount of money that you earn.


  1. Analyze your financial situation

Nobody knows your finances more than you do. You have got to continuously question yourself and your spending habits. If you want to buy something, look at the effect that it will have on you and your family. Will you be able to afford everything else that you need or will it eat into your other needs. The only way that you move forward to financial freedom and financial security is by questioning yourself analyzing your financial situation.


  1. Assume this was five years ago

This has got to be one of the most important tips I have come across with regards to finances. Anytime you want to buy something you have to ask yourself if you would have been able to make the purchase 5 years ago and if you wouldn’t have been able to then do not make the purchase. This is a very good way to save.

5 years



6 Rules For Product Packaging Design

May 2, 2018
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For businesses, product packaging is one of the most essential aspects of their brand. Product packaging when done correctly not only gives the brand and the company its look and feel and sets it apart from the other generic brands out there but it is also a great way to connect with the customers and the people on a much deeper level.

The deeper level connection that you form with your customers – will make building a long-lasting relationship very easy. And in business – relationships that last are excellent means of steady income. So if you are trying to create the perfect packaging for your business, then it would prove beneficial for you to take these six rules to heart.

6 Rules For Product Packaging Design

# 1 – Keep It Clear and Simple

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Your product packaging should be straight to the point. Although it will be amazing overindulging in the embellishment that is your packaging creative design, it will prove counterproductive in the end if people are unsure of how they are supposed to open the package.

Keep it simple, and you will be able to keep your cost down on packaging as well as keep your customers happy.

# 2 – Give It a Human Feel

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You want more to then just merely to create a stunning packaging design you want to add a bit of love and care to it. Yes, this sounds a bit over the top but by adding that human touch – that YOU – to your brand you will be better able to connect with your customers and as we mentioned it is all about connecting what people in business.

# 3 – Design Your Package For Extend Use

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This is incredibly salient. You want to create a package that will be able to last for a long time. Nothing can deteriorate your product more so then shelf life or inadequate packaging. Take this into account with your packaging design.

# 4 – Make It Practical

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Make sure your product packaging is practical. Meaning – you want it to be stunning, but as we have already suggested in the first entry you don’t want to overindulge. Make it easy to open but hard and challenging to get into from people who would steal your product.

# 5 – Don’t Embellish TOO Much

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Now we are hitting home with this a lot – about overindulging in style and design – but it is essential to take this to heart. A fresh design may be attractive, but people aren’t buying the package they are purchasing the product. Remember that.

# 6 – Go Green

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There is nothing more attractive to customers than knowing that the business they buy from or the company they do business with is doing something ethical, and by going green with your packaging you will not only improve your look among them, but you will also be doing a great deal for the planet as well.

Final Thoughts

We highly recommend that when you delve into the realm of product packaging that you take these rules to heart. Product packaging is a crucial part of creating your brand so keep this in mind when designing your packages.

7 quick tips regarding immigration law

May 1, 2018

Knowing the ways of immigration law and following them are what will make the difference between you getting citizenship or being denied of it. It is very important for you to have a deep understanding of all the rules and the laws that go into governing of immigration so that know exactly what to expect. For the best answers consult your nearest immigration lawyer. Below are some 7 quick tips regarding immigration law.

  1. Establish citizenship as early as you can

If you already have a green card and you want to reside in the states then it should be in your best interests to apply for citizenship as early as possible. The earliest you can apply for citizenship is five years from the time you got your green card. With regards to deportation, citizenship gives you more security than a green card.


  1. Factor in delays when applying for renewal

The immigration services usually have a lot of work and consequently they do have delays in their processes. There are certain applications that could actually take almost if not up to 3 years. The authorities will not support the fact that your green card has expired because you will be arrested and deported.


  1. Beware of summary removal

Border officials have been given enough power to prevent you from entering the United States. This power is what is referred to as summary removal. This is something that can be avoided if you are well prepared. Do your best to convince them that they should give you an immigration visa.


  1. Let the USCIS be aware of address changes

If you have stayed in the country for more than a month then it is your duty to let the USCIS know if there are any address changes. You must however do these not more than ten days from when you had an address change.


  1. File more than one petition

If you intend on making an application for an immigration visa or a green card then make sure you file several petitions. Make it your responsibility to check with your family members to see if they are eligible to petition on your behalf.


  1. Punctuality

If you have any scheduled appointments with the United States embassy or consulate, make sure that you are never late. Lateness can bring about a lag in processing you and consequently, your deportation. This is one of the immigration tips that I cannot stress enough. Always keep time.


  1. Do not break immigration laws

This is a very important tip when it comes to immigration. Familiarize yourself with what it means to have a work permit or immigration visa. Understand that you could be deported for very minor violations so ensure you have adhered to all of the laws and rules provided.

law break

The 5 Crucial Tips That Will Help You Maximize Your Slip and Fall Claim

Apr 30, 2018

Slip and fall claims can be very difficult to win, especially when you have no clue about where to start from and the procedures to follow and the best slip and fall lawyers to hire. You will be able to file a slip and fall case when you fall victim to an injury from a slippery surface on another individual’s property. In most cases, you will find that these injuries cost the victims a lot of medical expenses in the thousands of dollars and can usually end up leaving you bankrupt.

Filing a slip and fall claim gives you the chance of getting compensations for the injuries and other expenses suffered from the injuries that occurred from the defendant’s negligence in his/her property. This can always help the plaintiff a lot, especially when it comes to the financial burden that the injuries bring. This article will help teach you five crucial tricks that can significantly help increase your chances of winning a slip and fall claim.

  1. File a police report immediately


Immediately you fall victim of a slip and injury, it is important that you file a report with the police immediately the accident occurs. This will also contribute strongly towards your winning the case. You also document the whole incident while it is still fresh in your mind and can remember more details of the whole incident until the time the accident occurs. In the police document, you should include all the details of the concerned parties and circumstances that also led to the incident.

  1. Take pictures


Pictures are always living proof that the event occurred. The most security footage is usually deleted after a couple of days and if you rely on these as evidence you may end up sorely disappointed by finding them deleted. In other incidences, you may even find that they have been deleted on purpose. Consider taking high-quality pictures that have date stamps included.

  1. Seek immediate medical attention


Ensure that you also seek immediate medical attention after you have suffered slip and fall injuries. You never know, maybe something much worse got broken that you haven’t realized yet, or the injuries are worse than you think. You may think it’s just a minor external bruise, but the issue is graver. Seeking immediate medical attention will also help you with determining your total medical costs of the immediate treatment as well as any other medical costs you may have to incur if, in case, the injuries require more medical attention. Not seeking immediate medical attention may also result in you receiving reduced compensation amounts.

  1. Never say anything that you don’t fully understand


Never agree to sign on any statements that you don’t fully understand. In fact, it is better to always have a personal injury attorney around whenever you are required to sign any documents regarding the case. Carefully and understand all the documents’ terms and conditions before you make any step.

  1. Hire a qualified and experienced personal injury attorney


To stand any chance of winning a slip and fall claim, you must have a qualified and experienced attorney in the field. The attorney needs to know the basics of handling your personal injury claims.

The Best Hiring Processes Being Used By Employers In 2018

Apr 30, 2018

Every company wants to hire a competent employee that will contribute to the company’s profitability and success while at the same time adding value to the culture of the organization and the team. Modern companies’ employers have embraced a shorter way to the organization’s recruitment circle, get good employees, and also ethnically and legally hire employees by following some steps. These steps include using the predictive index survey and behavioral assessment tests.  Below are some of the best hiring processes that employers are using in 2018.

  1. Recognize the position’s need

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In every hiring process, the very first step is to identify the reasons for needing a replacement or new position in the company.

Among the most used methods is sales per employee. The overall workload of the company is weighed with the current staff and the effect in the accomplishment of the business’ goals. If you feel like there is a shortage, you will feel the need of hiring or replacing employees.

It is a good decision to consider balancing the needs of the organization and that of the current employees while having the hiring of other employees in mind. The priority of the employer and the entire company has to fit the employees so as to have a productive and successful business plan execution of the company. The rest of the employees should be well informed about every step taken in the staffing process.

  1. Have the recruitment planned


After recognizing the need for the position, the next step is to plan for the recruitment of the employees. In recruitment planning, this is where the employer identifies the specification and the description of the job so that you can be aware of the experience and skills you are looking for. In this section is where you also address how and where the publicizing of the position will be done, the kind of people the information is supposed to get to and the persons responsible for the interviews and selections of the staff that will be providing input.

  1. Publicizing the position


The most important thing about this step is to notify the current employees in the organization about the opening.

In case the employer feels like the internal employees are not qualified enough, you may have a reason or reasons to post the position simultaneously externally. The internal employees within the company may surprise you with their skill and abilities, and that is why you should consider interviewing them. But in case you are certain that having to publicize the position externally, be fair enough to let them know. You will avoid a lot of misunderstanding with the new employees and you.

There are sites that can easily help you bring clients to your attention like LinkedIn.

  1. Have the applications reviewed


If the position was advertised effectively, you must have a large pool collection of applications. Here, the human resource of the company can take the lead in reviewing the resume and cover letters of the applicants and sieve the qualified ones to the hiring department.

After the qualified applications are picked, they are further reviewed and the most qualified gets to be phone interviewed. The screening saves both energy and time of the hiring company to eliminate the other candidates.

While interviewing the qualified candidate, the questions should major in fields of employment. You should also check the background and references given by the candidate to confirm what the candidate has presented himself or herself to be true and genuine. Make sure the selected candidate is the most qualified for the position.

The next step to take after the best candidate or candidates are selected, you negotiate the compensation he or she is to receive for the services to the company. It is also good for an employer to notify the unsuccessful candidates for the best of your public relation image and interests.

  1. Negotiate the salary details and start date


Here, you let the candidate aware of what they should be expecting on their bank accounts by the end of the month, the pay and the allowances. For a starting employee, there is always a starting salary and to what extent the pay may be after working in the company for a while. You also let the new employee know when he/she is supposed to start work.

  1. Welcome the new employee


How new employees are welcomed in the companies plays an important role in the stay of the employee. The groundwork is laid here of whether the employee will retain the job in the future. It is good to build a healthy working relationship with the employee. This can be achieved by keeping in touch with them from time to time to their work start day. The employee is given a warm welcome will make them determined and happy to work for you.


The Ultimate Checklist for All Commercial Cleaning Companies

Apr 29, 2018

Keeping work offices clean and spotless can become a daunting task, especially when you have a lot of employees and not much space to go on. This is the time you realize just how fast these commercial working spaces can easily become grubby and cluttered.  You are obviously going to need outside help from professionals to regularly come in and clean up the office and make it spotless. And if you have decided to go down this route, then it is important that you have a schedule for days to have these commercial cleaning Toronto companies to handle the job for you.

A checklist has been put up that is divided into three different and easy sections that you can choose from whenever you are hiring a commercial cleaning company. These three sections are: daily, weekly, and monthly. It is, therefore, upon you to decide which cleaning checklist plan you want to go for to always keep your office spotless. You need this done so that you can make good impressions on your contacts, clients, and connections. Who will want to work with you if you can’t even manage to clean and maintain your workspace?

  1. Daily


Having commercial cleaners come over to clean your workstation daily will definitely ensure that you have a workspace that feels fresh and welcoming at all times for your workers and contacts as well. You will have also taken care of the dirt and rubbish buildup in the office spaces which gives you more time to focus on other important business matters.

Some of the key daily tasks of the commercial cleaners may include:

  • Clearing the surface clutter.
  • Loading and unloading the office dishwasher.
  • Hovering high footfall areas.
  • Cleaning the areas used for eating.
  • Cleaning the food preparation areas.
  • Emptying waste and recycling bins.

If your office is situated in an area where a lot of dirt and debris comes in ten you can adopt these cleaning methods as well:

  • Mopping hard flooring areas.
  • Dusting computer monitors.
  • Hovering entire floorspaces.
  • Wiping office desks and surfaces using a damp cloth.
  • Cleaning and disinfecting bathroom facilities.


  1. Weekly


These cleaning services are slightly more labor-intensive compared to the daily cleaning tasks. Some of the weekly tasks include:

  • Refilling soap dispensers.
  • Window cleaning.
  • Cleaning communal kitchen appliances.
  • Polishing glass, mirrors, and metallic surfaces.
  • Cleaning and disinfecting bathroom facilities.
  • Cleaning communal fridges.
  • Cleaning the walls and painted surfaces.


  1. Monthly


Monthly tasks usually involve those little jobs in your workplace that are never too pressing but can still make all the difference on how clean and welcoming your workplace is going to be plus how the environment is going to feel after the cleaning process is done. These little jobs may include:

  • Dusting the whole office.
  • Polishing and maintaining hard floors.
  • Hovering fabric chairs and surfaces.
  • Cleaning carpets using a steam cleaner.
  • Hovering all the vents.

From all that has been mentioned in the article, it is clear that cleaning and maintaining high standards of cleanliness in workstations is not an easy task and can weigh heavily on you if you don’t plan how to do it appropriately.

The 2018 Trends You Should Watch Out For in Call Centers

Apr 28, 2018

Last year, 2017, brought upon some major visible changes in both the customer experience and call center field. In everyone’s fingertips and mind’s forefront was virtual agents and cloud communications. As a result of this. Social media has never been of importance as it has ever been. 2018 is here, and so far it is shaped up to be a strategic thinking year. This entails: bettering of analytics, adding up of more international conversations on social media and innovative and creative artificial intelligence involvement methods. Don’t we all want to stay on target and be updated this 2018? I bet everyone does. Below are some of the identified most influential trends that are affecting centers this far.

  1. Digital transformation


Day in, day out, all type of business tend to try to be different of any other in regards to the quality of product they are marketing to the public (customers) and even the price of the product and service. However, these days, customers are more into establishing a good and long lasting relation with a specific business. This is brought about by experience. The interactions of customers are not stand-alone activities anymore and they demand a more consistent and comprehensive experience with the business.

Digital transformation is an advanced technology application that is responsible for restructuring a modern business environment completely. Digital transformation play a major role in what the customers are looking for today. A good digital transformation strategy is key to any business that is aiming at being and maintaining to be competitive. It has advancements, i.e. the unified Omni-channel communications and the machine-machine communications through the internet that help it with its accomplishment.

What is required to be included in the strategy? It should be a need of businesses to consider everything about a customer’s experience. Having a reliable digital contact center is beneficial because it redefines from the beginning to the end, the experience of the customer. This is more than just having the right and best channels used for the interactions with the customers. The smartness of a business is not measured by its size but by the integrating technologies within the business that give the customer full context with every interaction and system data that is leveraged to give proactive services.

  1. Good Contact Center Analytics


The days that business and employees relied on knowing how to receive the most from a contact center agent or supervisor skills are far away gone. Today, up to the smallest businesses have embraced and take advantage of analytics to run their data. The analytics are responsible for screen and call recording and giving meaningful feedback to the agent from the SMS messages, chats and more.

There is too much resource and information one can rely on apart from monitoring and manual observations. Generally, more analytical advancement is expected as more and more companies are continuing to implement unified communications strategies and platforms.

  1. Multiple Remote Call Centre Agents


Remote contact centers have made to become a trend in 2018 because of the current time zone flexibility, lower overhead and the flexible working hours in the current businesses today. As a result of constant improvement and unifying cloud communications, employees have become to be of much benefit and permanent to the contact center environment.

  1. More emphasis on self-serve documentation


So far, we have seen a good performance on emphasizing on information problem solving that is of self-service method in businesses websites. If you give a customer information faster, it will help on reduction of call volumes and also an easier way of navigating to FAQs. The questions will help a business person to narrow down more faster and easily the calls to the customers that have complex issues.

3 Crucial Ways That Your Firm Can Benefit from A Commercial Litigation Lawyer

Apr 28, 2018

When it comes to litigation, you will not fail to notice the speed with which this field is growing and this section of the law is beginning to hold more ground and impact not only the revenue sector of the law firms but also their legal hiring too. Law firms have taken to hire commercial litigation lawyer and attorneys to do the commercial litigation work and even specialized attorneys who can do the same which is a pretty smart move considering that the overall competition in the field keeps rising by the day.

But then comes the much-anticipated question, how will your firm benefit by hiring commercial litigation attorney? Well, the first thing that every business looks into when hiring any professional is whether that employee has the right skillset to do the job and grow the business. The same goes for the commercial litigation profession. Having the right attorneys for the right case can take your case a long way and improve your chances of success significantly. And the best part about it is that it costs less when that attorney comes from your firm. You can trust him/her to deliver than when you have to hire one from outside.

Here is a short list of all the benefits you will reap from hiring a professional commercial litigation attorney to your firm.

  1. Specialized focus

Business meeting with work on contract

With a commercial litigation attorney on your firm and side, you can comfortably free up some of the other attorneys who may not wish to work in this field to other fields. The commercial litigation profession is a very complex one and you can say not everyone is fit to handle it. so, to have a commercial litigation attorney who can handle all the complicated cases on your side is a big deal and major advantage. And it could also be very inconveniencing to have loads of attorneys on a litigation case whose skills can be used elsewhere, especially for the corporate specialty attorneys. Having a commercial litigation attorney who has specialized in this field and is qualified enough onboard will ensure that you have the right man for the job. You will worry less about such cases should they arise.

  1. Extra protection of your business interests


Every firm, person, and even business is always looking to secure and protect their business interests and with the right attorney for the job, you know you are in good hands. A commercial litigation attorney has the right skill set and experience that is necessary to protect your business interests and ensure that you and your business is always protected.

  1. Commercial litigation experience


The experience of a commercial litigation attorney is what will help you and your firm decide on whether to litigate or not. Sometimes you may be forced to pursue legal matters in court and here is where you will need the advice od a litigation attorney to give you the go-ahead to go to court or to pursue a different strategy instead. Most legal cases are usually time-consuming and very expensive which makes it the more vital that you have somebody onboard who can weigh the odds and give you the way forward.

7 Guiding Factors When Looking for A Real Estate CRM

Apr 28, 2018

Choosing the right real estate CRM tool can turn out to be one of the most daunting aspects to you when it comes to setting up a real estate business. And you will always find that many practitioners have tried all kinds of systems that work best for them, but still can’t figure out exactly what they need. Your Ixact Contact real estate CRM should be your silent partner in your business which provides you with the necessary tools to nurture and organize your contacts as well as relieve you from any repetitive or mundane duties. This will leave more time in your hands so that you can focus more on building your business.

But, you also need to know exactly what you want out of the real estate contact management  you are about to choose and this should be your guide to choosing the right CRM for your real estate business. This article has lined up 7 factors that you can apply when looking for the right real estate CRM software for your business.

  1. Is the CRM compatible with the other tools you already have?


You should put a lot of focus on finding the perfect CRM that will integrate and work well with your lead generation tools. In short, ensure that it is compatible with the structures and settings you already have in the business.

  1. Does the CRM have robust automation features?


You want a CRM that will automate most of the work for you. Like, automate your marketing campaigns and routine correspondence which may probably be the most vital aspects of your real estate business. You can create your CRM to automate virtually anything relating to your real estate business from the buyer-seller leads to valuation requests, new listings, buyers under contract, etc.

  1. Does the CRM provider offer adequate support?


This is also a vital aspect that you need to look into when looking for CRM for your real estate. You need to know whether the CRM providers will offer you sufficient and adequate support whenever you run into any issues with your CRM.

  1. Do the CRM providers have staying power?


You will find that newer CRMs are coming up and many companies are adding state-of-the-art features as well. But what you need to look into here is whether the CRM you are going for manufacturers that are there to stay. You don’t want to end up stuck in case the company who you bought their CRM goes out of business.

  1. How much time can you spend learning, CRM features?


Some CRMs are super-easy to use and run some pretty basic features that won’t take up much of your time to learn. But these CRMs don’t do much. When looking for a CRM, you need to, first of all, check all the basic features you need and then you can look into all the other features.

  1. Will the CRM work well with everyone on your team?


You may find that each member of a real estate business is using a different CRM mainly based on the factors of the user interface, price, and the intuitiveness of the CRM software. But when it comes to choosing the right CRM for a team, then you need to look more into the user interface factor.

  1. Should your CRM focus on relationships or sales?


What are you looking for from your CRM? This should be your guiding question. Some people will want to look at their relationships with their leads while others are more interested in sales.

10 Tips for Reducing Your Shipping Costs

Apr 27, 2018

Did you know that 48% of online shoppers have bought or spent more than planned when shopping online? Yes, customers love shopping online, but they love free shipping even more. 24% shoppers are ready to spend more to qualify for free shipping, and 63% of suburban shoppers share that shipping costs are their least favorite part of online shopping.

Few dollars of shipping costs for one order seems small, but if you multiply it by 100, or 1000 orders, you will see that shipping can be one of the most complicated (and costly) activities for any business indeed. Since your profit is linked to how much – or how little – you spend on courier services, you will need to reduce the shipping costs as much as possible. Here are the top 10 tips!

Negotiate shipping rates with multiple logistic companies


The one and only rule for all shipping companies’ pricing: The more you ship, the lower your rate. But all too often, small businesses don’t realize they also may have negotiating power. If you ship large numbers of packages, compare prices and try to persuade logistic companies to offer a discount.

It’s also a great idea to name the carrier that has proposed a lower rate. If one shipping company knows you’re looking at a competitor, they are likely to provide incredible incentives to get your business. Carriers know that once you start using a specific logistic company, the inconvenience and cost to switch will keep you a customer for a long time.

Consider regional shipping companies

canada map

You do have other choices than UPS, DHL, and FedEx. Regional carriers often provide the same courier services at a reduced cost because they cover a small geographic area.

Cut down packaging costs



Packaging is the biggest factor you can change. Try to:

– Reduce the size of your package. Don’t use a large box if a smaller box or bubble mailer will do. Pack it tighter!

– Use your shipping materials wisely. Every box, every roll of bubble wrap and every roll of tape costs money. You can also: Ask your shipping company if they provide them free, Buy them in bulk, Find a smaller supplier that will bend over backward to get your business, and Reuse and recycle.

Consolidate orders when possible


Consolidating multiple orders into a single shipment and minimize the number of packages it sends provides benefits such as:

  •  Lower shipping supply expenses
    •    Greater fuel efficiency
    •    Less time needed to receive, handle and restock orders

A little planning and visibility go a long way!

Use 3rd party insurance


Shipping companies charge more for shipping insurance than third-party companies, which is about $0.90 for every $100 of insurance. On the other hand, third-party companies charge about $0.55 cents for every $100. This savings can add up, especially if you ship expensive items.

Pick the right shipping option


Think about your real needs. Then take into consideration the weight and characteristics of the shipment, the destination, pricing and fees, and loss or damage concerns. Choosing the right service will help your business maximize shipping costs and customer satisfaction.

Consider shipping to PUPs (Pick Up Points)


If you’re shipping to a number of customers in a single area, why don’t offer a discount for those who are willing to pick up from a, for example, local store? You just reduced both your shipping and your packaging costs.

Change your shipping policy

shipping policy

We all know that customers love free shipping, but if you can’t afford it, here are some shipping strategies to help you put the costs on them:

– Free shipping with conditions, such as for orders over a certain order amount or a minimum number of items purchased.

– Flat rate shipping – shipping remains the same no matter how big the customer’s order.

– Adjust the pricing of your products. Let’s be honest, if the shipping costs are too high, even you will think again about your order. Increase your products’ price to reduce the shipping costs will give customers the impression that they’re still getting a great deal.

Maximize shipping and inventory space


One of the biggest money wasters in logistics is partially filled trucks or warehouses. Try to order larger shipments at once to fill trucks and hold inventory on hand to reduce the need for expedited shipments due to a shortage of stock.

Put the latest technology to work



Ever heard of supply chain management software? Services that help you to track inbound and outbound shipments? Blockchain technology? There are new applications being developed specifically to help companies simplify supply chains and reduce shipping costs.

Credit images: LamplighterLight Bulbs and Laughter.

Enjoy an Easy Last-Minute Move with These Tips

Apr 27, 2018

Most people generally need a minimum of up to eight weeks or even more to plan and even pack for a move. But then again, you will find that the last-minute moves are even more common than the planned moves. You never know, you may have only just four weeks, probably even less, to move or you were too occupied maybe with work that you didn’t have enough time to plan a move. So then, if you had a quick move coming up due to some unforeseen circumstances, this guide by Hudson Movers is for you. It will highlight some of the last-minute moving tips that can help make the whole process less stressful for you.

  1. Get rid of some stuff


You would agree with the fact that most people get very ruthless with some of their belongings, especially when cut off for time in last-minute moves. And this can sometimes be a good thing as it gives you no chance, but to get rid of some of your old and unused items. You will have little time to pack everything which will essentially force you to only pack the necessary items.

This will also help save you some time and energy in the long run. Try and ensure that you can get rid of as much stuff as you possibly can. Create a list of all the items you want to keep, those you want to toss, and the ones to donate. And start from there.

  1. Call for help


Sometimes the time is just too short that you may not be able to successfully pack all of your belongings on time. This is the time to call your family, friends or even the service companies for help. To make the whole moving process go faster.

It will also put less strain on you as the work will be divided among all of your helpers. Ensure you know what you need your extra hands to do. Where to put things, items not to be packed, and even those that need to go out first and other things like that.

Sometimes you may opt to do all the work with just friends and family members who will, in most cases, help out for free. Professional service movers can sometimes be very expensive and may not be your first option if you can prevent it.

  1. Get packing supplies

Moving boxes in new house. New apartment background.

You will want to get a couple of used boxes for packing your belongings. Generally, the moving boxes are usually the best for moving purposes as they are designed for that specific purpose. They don’t tear easily for one. You also need to purchase other moving supplies from your nearby store. You can look for a green mover in case you are moving to a nearby location who will supply you with plastic bins which can also come in handy.

  1. Start Packing


Finally, you get to the packing process and you have all the necessary supplies and tools for the job. You can then start by packing only the items you wish to move to first. You also need to bear in mind that some items like glass items and electronic appliances need special protection when moving.

5 Tips to Prepare for Possible Tummy Tuck Complications

Apr 26, 2018

A lot of things can go wrong with all kinds of surgeries; either the reason for the complications lie with the surgeon or with you. either way, someone must have done something wrong. A successful abdominoplasty should always produce the exact results you are looking for from the surgery. Generally, a lot of problems can occur during a tummy tuck surgery; either you begin to bleed excessively during the operation or react to anesthesia.

And even after a successful surgery, post-surgery complications can also occur if you don’t take care of yourself and your wounds properly during this period. Issues like infection, blood clots, hematoma, dissatisfaction with the surgery results, pain, etc.

Some other possible complications also include situations where the incisions take longer to heal or become inflamed and irritated, swellings that last longer than expected, development of infections, loss of sensations around the operated areas, necrosis death of the fatty tissue below the skin, and even excessive scarring.

You can always prepare yourself adequately before, during, and after this type of surgery to reduce any risks of complications by following these five simple steps.

  1. Choose an experienced surgeon


This is the most effective way you can minimize any tummy tuck surgery risks. go for someone who is experienced and qualified in this field and has performed this type of surgery many times on a regular basis. Now, that is someone you can trust even when you are going to the table to get some body parts removed. You will notice these surgeons use modern current equipment as well as techniques that best work for the type of tummy tuck you are looking for. Look at the surgeon’s certificates that qualify him/her to perform that type of surgery on you. this way, you will know that the surgeon has had the right training in the field.

  1. Choose the right tummy tuck


Different kinds of tummy tucks are best suited for different types of people and each produces different results too. For example, you may want to go for the mini-tummy tuck if you are only looking to have a small amount of skin removed or a 360-degree or extended tummy tuck is you are looking to have large chunks of flesh cut off from your body. Seek advice from your surgeon on the best tummy tuck option to go for before you head to the operation room.

  1. Have the tummy tuck done by itself


It is better to have the tummy tuck operation done by itself and not included with other operations at the same exact time. Some people prefer to combine tummy tucks with other operations like liposuctions but combining these procedures will also increase your risk chances significantly as well.

  1. Follow your surgeon’s instructions


Your surgeon will obviously have some instructions for you before, during, and after the surgery that you must follow and abide by if you want to see any chances of a quick recovery and avoid contracting any complications.

  1. Prepare yourself for great results


If you follow all of the steps accordingly and as instructed, then you should only prepare yourself for some great results through and even after the healing process.

7 landscaping tips and tricks

Apr 25, 2018

Are you trying your hand at landscaping? Try the following landscaping tips and tricks for best results.

  1. Buy Enough Plants

Buying enough plants is common sense, as they say, it is better to have more than less. When you are purchasing plants do not buy the exact number suggested by your landscaper, always buy more because you never know what might happen during planting.

Plant on vase

  1. Work from a Plan

Having a clear plan will make your work much faster. The plan will help in keeping track of your progress as well as your budget. Most homeowners do not see the need of having a proposal for a landscaping project hence end up abandoning the whole idea mostly because they couldn’t keep up with the activities they had not planned.

Garden Sketch Design

  1. Conduct a soil test

Before you embark on any landscaping project, you must make sure that you have your soil tested to find out the requirements as well as the type of plants that can grow well. This step is crucial because the soil is solely responsible for the healthy growth of your plants hence you must make sure it can sustain your plants.

Two Test Tubes

  1. Use Starter Fertilizer

For your plants to grow healthy, then you must make sure that you use starter fertilizer, especially when planting for the first time. This fertilizer contains low nitrogen components but with more phosphorous and mycorrhizae which will aid in increasing the beneficial fungi. When you use starter fertilizer in your garden, you are, almost guaranteed of a good crop.

As a homeowner, therefore, make sure that your landscape plants get the right amount of starter fertilizer to give them a chance of maturing into beautiful, healthy plants.

A wheelbarrow on a field

  1. Get the right Garden Tools

I know you are wondering how garden tools are part of this list, but it is crucial to have the right tools for landscaping. Having the right tools will help you to work more efficiently and avoid injuring the plants unnecessarily. On the other hand, if you are using the wrong tools, you will end up cutting the plants and failing to care for them as required.

Garden Tools

  1. Keep the Leaves

Did you know that those leaves you want to dispose of as waste can be quite beneficial to your garden? You don’t need to dispose of the leaves instead you can scatter some of it into the lawn to act as a form of natural fertilizer as they decompose. They can also be used as mulch by adding to the compost pile then used later in the garden.

fallen leaves

  1. Create an Edge

Many people do not understand the value of a natural edge as opposed to the use of plastic or metal edging. First, a natural border is beautiful and will add to the beauty of the landscape.

The same cannot be said about the use of an artificial edge. Another advantage of a natural edge is the fact it is easy to maintain and is quite flexible, unlike the artificial one.

When choosing an edge for your landscape, you should consider creating the natural one as it will give you more flexibility with your landscaping ideas.

bush, garden, gardener

These 7 Fixes Will Help You Solve Your Shipping & Fulfillment Problems

Apr 24, 2018

It’s no doubt that shipping can be a headache sometimes. You have to deal with all kinds of issues that come with business shipping of your business goods and products like lost packages, hidden fees, damaged products, etc. Not forgetting the main duty of looking for the best trucking companies.

You can end up facing a lot of complex issues of how you will eventually deliver your products and goods to your customers. Like virtually anything can go wrong in the process. That is why it’s important to get only the best from the many trucking companies in Ontario.

Here are seven fixes that you can look into to help you solve your shipping and fulfillment problems.

  1. How do you ship your products internationally?


Even if your current business only targets the local market, then there is still the chance that you will, at some point, be getting ordering requests from outside of your borders, even continent.

The solution

It may seem complicated to start shipping your business products and goods abroad but if you use the right resources and stay committed to the cause, you can end up with numerous successful international shipments. The international shipping rates are usually dependent on many different factors like package weight, destination country, package size, insurance, departing country, etc. if you manage to get it right in the first couple of orders, then you will already be getting a hang of the whole process slowly.

  1. How do you safely package your products for freight shipping?

Shipping Logistics Made Easy for Small Businesses

For most businesses, shipping packages by use of the mail system just don’t cut it sometimes. Maybe because your goods and products are just too large or too heavy that they exceed the maximum weight shipping allowed through mail services. Then you have to use the freight services.

The solution

The packaging requirements of using freights to ship your products and goods are different from those of mail delivery or parcel. Learn about these requirements before you proceed to use these freight services.

  1. How do you keep your shipping costs low?


It is vital that you also look into how you can trim your costs and budget when it comes to shipping. If you don’t do this, you can end up using more of your business funds than you expected to.

The solution

You can look into some quick tips on how to cut your shipping budget effectively without interfering with your overall shipping schedules and deadlines.

  1. How do you choose the shipping rates for your store?

Businessmen Checking Boxes With Digital Tablet And Scanner

Deciding on the best shipping rates for your business products and services can be an issue at times especially if you are new to the whole shipping process.

The solution

If your business uses the regular mail services to ship its products, then you are already essentially handling your entire fulfillment process inclusive of packaging, shipping labels, and even posting. So, you are set to go. Shipping costs are largely dependent on your product’s weight and distance so look into these factors keenly to determine your shipping rates.

  1. How do you communicate with your manufacturers and suppliers?


As a shipping business, you will need to constantly be in communication with your suppliers and manufacturers about your business products and goods.

The solution

You can use any of the many effective modes of communication methods to communicate with your business suppliers, manufacturers, and distributors concerning your products and services.

  1. How do you replace lost or damaged goods?


Goods and products can get lost or damaged while in transit to their recipients. This is something every shipping business needs to acknowledge.

The solution

You can always purchase shipping insurance for your products and goods to cover them if any gets damaged while on their way to their recipients.

  1. How do you handle inventory issues?

Woman signing receipt of delivery package. Courier man carrying

You will always meet with different issues concerning your goods and products in your business inventory.

The solution

You can always keep your business upfront especially when it comes to communicating with your customers on issues relating to your store. Keep them in the loop so they know what you have and don’t have at any tim

9 Tips You Need If You Are Fighting for Custody of Your Kids

Apr 24, 2018

From any parent’s point of view, nothing feels worse than having to go through a divorce especially when you have been married for decades. What makes the situation even worse is when there are small kids involved. Then this is when things start to get complicated as both of the parents get to court and battle out who gets to have custody of the kids. As parents, this can be a very tormenting experience and if you have no experienced family lawyer and clue about how you will go about the whole custody process, you stand a chance of losing custody of your child to the other partner.

This article has outlined nine factors that you can use to create a strong case and establish a foothold in the case which will tilt the odds in your favor.

  1. Understand the family law


The first step you can take is to ensure you educate yourself sufficiently in matters pertaining to family law and how the whole process works. This will prepare you for what is to come when in court.

  1. Avoid any legal battles if you can


This can help improve your chances of obtaining custody of your child. If you and your partner can amicably come together and agree on who is to get custody of the child, the two of you will end things in better terms and save a lot of litigation and legal fees in the process.

  1. Cooperate with your ex-partner


No matter how bad your situation is with your ex-partner, you should at least try and ensure that the two of you are in talking terms. This will build greatly towards the type of custody you will get.

  1. The importance of perception


Yes! You may be the best parent for your child as opposed to your ex-spouse, but if you don’t know how to prove this, then you stand the chance of losing the custody battle to the other partner.

  1. Go for a qualified and experienced custody lawyer


A good layer will be well-versed with all the procedures involving child custody cases and will put you in a better position of winning custody of your kid.

  1. Avoid using intoxicants entirely


If you really want to win custody of your kid over your ex-spouse, then you must prove it to the court. Make the court believe that you are best fit for the job and abusing any intoxicants will not do it for you. in fact, you stand a greater chance of losing the battle altogether.

  1. Be true to yourself and to the court


Presenting any false information while hoping that it will give you an upper edge on the case can only end up damaging any chance that you have of winning the custody case and even damage your reputation further.

  1. Consider the child’s best interests


You may want to be with your kid more but maybe aren’t financially stable enough to take care of the child. Don’t be mean here to the child. You can reconsider your decision.

  1. Get your paperwork right


Prepare all the proper documentation and get them in order before you present them to the court for examination.

5 things you should avoid doing after getting involved in a car accident

Apr 22, 2018

Let’s face it, accidents happen on our roads daily but because most of the road users do not know what to do immediately after an accident they end up making small mistakes that eventually mess up their insurance policies. In the case of such situation here are some five things that Toronto Car Accident Lawyers advice you not to do the following:

  1. Leaving the Scene of accident

Irrespective of the nature of the accident, leaving the scene is not an option. This action alone can cost you a lot concerning insurance. Experienced car accident lawyers advise that it is essential for you to stay at the scene of an accident until a traffic officer arrives. This way you will make an official report of the accident which is very helpful if you wish to claim with your insurer.

Sad man at accident scene

  1. Not calling the police

Another grave mistake you can make after getting into an accident is ignoring to call the police officers. Failing to call the cops is a crime in some states. Car accident lawyers will not even take your case if you neglected the duty of calling the police because they know how critical it is.

Car accident

  1. Taking responsibility for the accident

Even if you know that the accident happened because of your poor judgment, it will be best if you kept it to yourself. It may sound horrible, but the sad reality is that if you admit to the liability, even your policyholder may refuse to compensate you. It is therefore advisable to remain calm and wait for police report regarding the accident.

Shaking Hands after Car Accident

  1. Not collecting enough evidence

As much as traffic accidents are traumatizing, if you can move around it is critical to gather enough evidence on the scene of the accident. Take enough pictures and the registration number of the other car as well as details of the other driver’s license and insurance policy. All these details will make your work easier in case you need to follow up the claim for compensation by the other party

Drivers Fill Out an Accident Report

  1. No confrontation, please

Sometimes you can be overpowered by emotions especially if you think the other driver is in fall and you want to vent. As hard as it may be, you will need to stay calm and avoid any form of confrontation name calling or any other display of anger. Car accident lawyers always say that there is time for all that later but immediately after an accident, it is crucial to establish whether everyone involved is okay.

Car accident

In conclusion

According to car accident lawyers, most post-accident challenges could easily be minimized if road users could follow the above simple rules. Issues such as leaving the scene or not informing authorities make such cases complicated because without documentation it becomes difficult to prove that there was an accident. Therefore, if all road users become disciplined, it will be much easier to work on their car accidents.

Do You Know All the Essential Facts About Health Insurance?

Apr 22, 2018

Sufficient data collected by the Journal Health Affairs has found that about half of all Americans living with health insurance always feel confident that they can understand and relate to basic insurance terms.  In Canada there are a wide variety of insurance covers including commercial insurance.  Get the best health insurance cover from insurance broker. And less than a quarter of all the uninsured Americans feel the same way. This article highlights five essential things you should know about health insurance consumer needs and how they relate to you.

  1. The premium isn’t everything


You need to be aware of the fact that every health insurance cover has some variables to it. So, even just looking at the total monthly payment or premium will not end up telling you the whole story of the health insurance plan.

It is, therefore, vital that you fully understand the type of health insurance plan you are applying for before you apply. Try and ensure that you understand the big picture which includes annual deductibles and everything else.

You should look for low copayment premiums if you are one person who regularly seeks health care. These premiums are fixed out-of-pocket charge.

  1. Coinsurance and copayment are not the same

Co insurance

These two insurance types deal with cost-sharing between the insurance company and the consumer. They are, however, two very distinct payment types.

Copayments are situations where you find that the patient pays an exact flat dollar rate to the provider for each service rendered.

Coinsurance, however, is the percentage of all the costs that a patient is entitled to pay after all the deductibles have been met.

  1. Out-of-network benefits can sometimes be costly


A regular insurance plan usually includes health care facilities, a network of doctors and other providers that work for or even contract insurance companies. The insurers then have to agree on how it will provide services and at particular rates.

It may, however, be necessary to use out-of-network providers. For instance, health care crises can occur while you are traveling and the provider is in your network. But then you find a case the hospital where the provider is stationed is outside your network. This can end up presenting a lot of questions as to whether the services provided will be covered.

  1. Patients have to make sure all charges are paid


Know this; insurance cards are not credit cards. You will incur bills the more you use them and for every service that you receive, says Seltzer. What you need to know is that you will be ultimately responsible for all the health care costs that you incurred while using your health insurance cards.

  1. Avoid the ER as much as you can


The hospital ERs are designed to treat true emergencies like traumatic injuries and persistent chest pains. But if you are the one who uses the hospital ERs constantly, then you should expect to see both increases in prices and wait times.

Avoiding the emergency rooms will save you a lot of money and time, so, try and avoid them as much as possible unless you are in a real emergency situation like you have been in an accident and are badly hurt.

Top 8 Outstanding VPN Services

Apr 21, 2018
Free to share - Yahoo

Free to share – Yahoo

If you are looking to mask your IP address, your location, and have been searching for some of the best VPN hosting out there then you are in luck. We understand the desire and the need to keep your identity secret while searching online and as a result, we have curated a list of 10 of the most outstanding VPN services available. 

Here are ten dedicated servers for individuals looking for a reliable VPN service.

Yahoo Free to Share

Yahoo Free to Share

# 1 – TunnelBear 

TunnelBear is excellent for beginners who are new to understanding online protection. This has become widely popular for beginners because all that is required for beginners end is for a person to sign-up, login, and from there the TunnelBear will handle the rest. 

The Features:

  • You will have access to Netflix
  • Connects to 20+ countries
  • It offers unlimited P2P/Torrenting
Free To Share - Yahoo

Free To Share – Yahoo

# 2 – Strong VPN 

Strong VPN is regarded as one of the fastest and most straightforward solutions for those looking to navigate on the internet. This VPN service allows for you to bypass restrictions and censorship from over hundreds of locations around the globe. 

The Features:

  • They offer a 30-day money-back guarantee
  • It provides unlimited P2P/Torrenting
  • Connects to 25+ countries
Free To Share Yahoo

Free To Share Yahoo


SaferVPN provides their customers outstanding service. Protecting customers privacy and browsing history from the likes of advertisers, third-party hackers and even governments – and all at a price tag of $89.99 for THREE YEARS; not too bad. 

The Features: 

  • Chrome extension 
  • Connect to 30+ countries


# 4 vyprvpn 

Vyprvpn offers their customers perhaps some of the fastest VPN servers available and all without having a third party involved. This service has the technology to defeat VPN blocking and is available for all your devices. 

The Features: 

  • Proprietary encryption protocol
  • They offer a 30-day money-back guarantee
  • Connects to 60+ countries


# 5 PrivateVPN

PrivateVPN is a 1-click-setup VPN for ALL manners of devices; ranging from Mac, iOS, Windows and so on. 

The Features: 

  • Offers a 30-day money-back guarantee
  • Connects tp 55+ countries 
  • They offer unlimited P2P/Torrenting


# 6 CyberGhost 

CyberGhost is a fast VPN service that also offers their customers malware protection. Providing excellent services and all at a price tag of $2.95 a month. 

The Features:

  • Customers will have fast access to Netflix
  • Be able to connect to up to 55+ countries 


# 7 Hide My Ass

In spite of the somewhat crass name, this is an excellent VPN service and perhaps one of the most popular VPN services. They offer a vast array of services for their customers as well as Live Chat support for those who may need a bit of guidance. 

The Features:

  • Customers will have fast access to Netflix
  • Offers a 30-day money-back guarantee
  • Connects to 190+ countries 
  • Chrome and Firefox Extensions


# 8 ExpressVPN 

This is perhaps one of the most highly regarded VPN services which have been consistently stated as being incredibly fast and superlatively secure. Furthermore, it has been viewed by many to offer the most powerful encryption for their customers. It provides excellent HD streaming and well as 24/7 Live chat support. Simply put – this service is truly amazing. 

The Features:

  • Offers a 30-day money-back guarantee
  • They provide unlimited P2P/Torrenting
  • Connects to 90+ countries