Sep 20, 14
Your photocopier still sits in your office. You still print off some emails on your laser printer. You print off bank statements at home and colouring in sheets for your kids from the desk jet on your desk. We were told many times we were entering a paperless society. Well that hasn’t happened yet and won’t for a while. We still need our paper and ink and the printers that join these two resources together.
So, printing services as a general need are very much part of our everyday lives. Which means your nearest print store is still in business and still there to offer a wide variety of printing services that are ever expanding. Remember that store you went to, to print off those 24 photos you took while on holiday in 1996. They are still there and they still print photos. And given that your photos are now on a memory stick or SD card, so much more can be done with these photos. They can be printed as postcards, the photos incorporated into holiday photo albums, made into calendars or even used as part of a holiday greetings card.
But perhaps, you are already using your print store for your personal needs. Have you thought of using them for your small business needs? Business printing services are also part of what these stores can do. Maybe you have a new product and want to send out flyers or you are a local restaurateur and you want to let your neighbourhood about your latest special offers you are offering on a Monday night. Maybe even your menus need a reprint. All these services are being offered at that store you went to in 1996.
Maybe you are in the marketing department of a multi-national company. If you are in the Los Angeles area, Guru Printers can offer you large scale printing services for any marketing related needs. Those outdoor billboard needs or building wrap-arounds that show-off your latest product or service can all be printed in weather-proof material. Even your product catalogues can be designed and printed.
Guru Printers and others are not just about photo printing and photocopying. Their printing services are diverse and cover all your needs from once a year through to large scale business needs. They also don’t just hit print. They have the creative skills and knowledge to take your vague ideas of colour and layout and walk you through the design process so that you have a brochure, poster or greeting card that will turn heads and ensure memory retention.
Print and Ink are still used day in and day out are still very much in despite other digital overload. Your local print store is now your one-stop shop for all your printing needs whether you just have a once-off hobby project or are needing catalogues sent all over the country. With their expertise, state of the art printers, you have no excuse to head down to the nearest store and establish a relationship, understand their services and take their contact details home or to your boss to be pulled out the next time you need printing services.
Sep 20, 14
In the credit reporting world the subject of data inaccuracy is a lightening rod topic that is passionately debated. Depending upon whom you believe, credit report errors are either quite rare or extremely common. There have been three generally recognized and often-cited credit reporting accuracy studies and their results are wildly different. So just how many credit reports contain errors?
According to the US Public Interest Research Group…
In 2004 the U.S. Public Interest Research Group (US PIRG) conducted a study regarding the accuracy of credit reports. The PIRG study sought to identify the percentage of credit reports that contained any error, whether that error was serious or superficial. The results of the study concluded that an alarming 79% of credit reports contained an error of some kind.
The results of their study should come as no surprise as the US PIRG is a passionate consumer advocacy group. Its members are not fans of the credit reporting agencies or their processes and they’re basically opposed to and critical of everything they do, which calls into question their legitimacy. Another reason people often scoff at PIRG’s findings is that a microscopic 197 consumers were used as the sample set for their study. With over 650,000,000 consumer credit files in circulation the issue of statistical relevancy becomes a problem for them.
According to the Policy and Economic Research Counsel…
In 2011 the Policy and Economic Research Council (PERC) published the results of their own study regarding the accuracy of credit reports. The purpose of the PERC study was to identify the percentage of “material errors” found in credit reports. A material error, per the study, was defined as an error that, once corrected, resulted in an increase of more than 25 points in a consumer’s credit score. The PERC study proposes that 99% of credit reports do not contain material errors. In fact, to be more precise, the study states that according to their research only a mere 0.93% of credit reports contained a material error.
The PERC study paints a rosy picture of the credit-reporting environment, but are their results any more valid than the PIRG study results? There are at last three reasons you should take their results with a grain of salt.
1) The PERC study received funding from not only all three of the credit reporting agencies (Equifax, Trans Union, and Experian) but also from the CDIA, the trade association of the credit reporting agencies.
2) The CDIA was actually invited to review drafts of the studies and offer input prior to the release of the final findings.
3) The PERC study also used a very small sample of consumers for their study numbering only 2,338.
I’m not suggesting the PERC study results were “bought” by the credit industry. But, at the very least you should be aware of who PERC works for and who is paying their bills.
According to the Federal Trade Commission…
In 2013 the Federal Trade Commission (FTC) released the results from their highly anticipated credit report accuracy study. The FTC study suggests an error rate ranging between 10% and 21% depending on the definition of “error” being used. To put 10% to 21% in perspective for you, what the FTC study is actually suggesting is that somewhere between 60 million consumers and 120 million consumers have at least 1 confirmed error on one of their credit reports. The FTC study splits the difference between the PIRG and PERC findings.
The FTC also used a small sample of consumers when conducting their research. Only 1,001 study participants were included. The low sample number is problematic and can lead to questions about their findings. In fact, all three studies are based on samples that are arguably not representative of the roughly 230 million consumers with credit files currently in circulation.
So Who’s Right?
Since the FTC study is the newest of the three, it is the study that is most widely cited. Regardless of which study paints the most realistic picture of credit report accuracy, the fact of the matter is that even one error that leads to lower credit scores can be a big deal. And whether you believe 78%, 1% or 21% of reports or consumers contain errors the reality is that the only credit reports that matter are the three that belong to you.
According to this article by CRE Credit Serivices, checking your credit report regularly is the only way to keep track of inaccuracies and maintain your credit score. You should be checking your credit score at least quarterly to stay on top of errors and keep your scores high.
Aug 26, 14
If you’re planning to fund a brand-new car purchase, then you need to do some considerable amount of research. Before heading out and signing the documentation in a vehicle dealership unenlightened, let us first take a look at some tips that’s going to make the easy loan process as smooth as possible.
To begin with, bulk of all brand-new vehicle purchases are done with simple auto loan or funding. About 70 % of new vehicles purchased this year were paid for making use of cash from simple vehicle loans. Unless you prepare on paying cash money for your brand-new set of wheels, you are most likely going to apply for an easy car loan in order to get the funding that you require.
Easy Auto loan Pointer 1
The very first and crucial step when shopping for simple car loan is to identify what your monetary circumstance is. If you wish to discover what you can afford on your easy loan, you should initially know how much you can invest. If there’s anything you do not want to be, that is to obtain stuck making swollen payments on a car you can ill-afford while constantly having bologna sandwiches every meal for 3 years.
The first thing you need is a month-to-month spending plan. This need to be easy to determine. Merely build up all your taken care of regular monthly costs, including rent/mortgage, phone expense, et cetera, plus all your extraneous expenses, such as food, gas, home entertainment, then subtract that from your net income. The outcome should be the amount of money you have additional and which you can make use of as the basis when you go easy car loan shopping.
Once you have everything worked, you have to remember that simple car loans are generally practically down payments and month-to-month payments. However, possessing a vehicle through an easy car loan includes a lot more than that. You have to consist of in your budget some costs, such as licensing, registration, and other covert costs, in addition to regular monthly insurance coverage expenses, gas, and upkeep.
Easy Auto loan Suggestion 2
Now that you have all the figures that you need to settle your monthly allocation for your simple auto loan, the next step in the purchasing procedure is picking which vehicle you desire. This is truly about individual selection, it’s always a good easy car loan criterion to purchase a vehicle that fits your needs. If you have a household, you can choose a budget-friendly, safe, and dependable minivan or station wagon. Or if you’re single and commute often, you can check out the large range of compact designs with superior gas mileage.
Easy Car Loan Tip 3
Once you’ve limited your simple car loan choices to about a couple or even more, then it’s time for you to do even more detailed vehicle study. There are lots of locations where you can discover even more about vehicles and easy auto loan. The Internet is a particularly good location to start. Aside from car reviews and cost quotes, some web sites even go so far as offer extremely competitive simple auto loan rates to make it much easier for you to do a little window shopping.
Make sure that you find out all that you need to find out about an easy car loan prior to heading out and venturing into an automobile dealership.
If you are new and wanting to learn how to drive before buying, visit The Driving Lessons Expert.
Aug 22, 14
It’s wonderful to possess your personal tropical aquarium. The truth is they change each month using development of crops, the inclusion of fresh bass and sometimes even the appearance of the fish inside. Which means it’s better to begin with a little set up, even so for newbies. You might want to jump in having an elegant variety, but these fish might take specialist treatment that you simply are not prepared to provide. Nevertheless, put more fragile seafood while you complement, find out about the bass you start with after which you have to have patience.
What is Within An Aquarium?
To begin your interest, certainly a few things are you have to get. The very first is a tank, you then will require a filtration sufficiently measured for that quantity of gallons inside your tank, a hot water heater, some crops (artificial or actual, based on everything you are organizing for the tank), substrate (gravel, mud, etc.), plus some arrangements and hiding spots for your fish. So far as substrate moves, everything you choose depends upon what type of fish you’ll have inside your container, what search whether you intend to possess real flowers and you would like. Make sure to let it be satisfied with several days when you include any substrate. You can include your design once that’s completed. These places will appear fantastic and supply a location to cover if they’re nervous because they sleep through the night or relaxation on to the bass.
Flowers – Synthetic Or Natural?
Be wise while you pick the live components to set up your container. For instance, should you intend to contain some java ferns and put fish inside your container, you’ll soon don’t have any crops as fish are herbivorous left. Additionally they may eat invertebrates or different fish, which means you cannot fit every other creatures within the container that are smaller than a fish’s mouth. If you intend to place something “phony” within your tank, for example decoration or crops, make sure that it’s meant for a fish tank, usually it might leach substances in to the water that destroy everything inside. You ought to be able to create to get a unified environment so long as you find out about each component you intend to set up the container.
Choosing the Fish
When it comes to bass, select species which don’t too small so that they do not wind up too large for the tank. For instance, fancy fish require an extended, healthy lifestyle to reside. Because they get large normal fish require 40. Ask the team at the local seafood shop to obtain down the reduced about the variety you are thinking about.
From hostility to not a fish schools and so wants or food choices to whether tank friends, study will make sure that you create the best choices.
If you want to know more, you can visit Tropical Fish Forums for more!
Jul 22, 14
The first signs of pregnancy start showing up in the first weeks following the conception. Some of these signs you will experience might be nausea, dizziness, and mood swings, etc.
Are you really pregnant? The correct answer to this question is hidden in the pregnancy test. However, missing a period might be the most significant symptom of the pregnancy. Some women experience the early signs of the pregnancy in the first few weeks of the pregnancy following the conception. Therefore, you should know the first symptoms of pregnancy.
Common signs of pregnancy
Missed period might be followed by some other early signs including;
- Nausea may/may not cause vomiting: The reason of the nausea during pregnancy is not clear yet, but the pregnancy hormones are most likely the effective reasons causing nausea. Some kinds of smells which never gave hard time to the pregnant women before the pregnancy might cause nausea.
- Increased urination: Pregnant woman might start going to the restroom more than regular time in the first few weeks after conception.
- Tiredness: Feeling tired is one of the major symptoms of pregnancy. The hormone called progesterone plays an important role on fatigue. This hormone makes you feel sleepy.
- Aversions or cravings: Some foods might come to you disgusting, and you might not want to eat or even smell that food as a result of aversion when you are pregnant. On the other hand, cravings are experienced by almost all pregnant women. Aversions and cravings might also be attributed the hormonal changes during pregnancy.
Some other symptoms of pregnancy
The symptoms mentioned above are called the early symptoms of pregnancy, but they are not the only ones. A pregnant woman might also experience the following symptoms:
- Mood Swings: You might be more emotional and feel sad during pregnancy. No worries, that’s so normal in pregnancy. The hormonal changes in your body will make you have more or less a different life from the one you had before pregnancy.
- Dizziness: Your blood vessels will get wider during pregnancy, and it will cause a decrease in your blood pressure. Therefore, you might sometimes feel dizzy.
- Constipation: Constipation is also one of the symptoms of pregnancy. Your digestive system might slow down which can cause constipation.
In addition to those symptoms mentioned above, your basal body temperature might also be an indicative for pregnancy.Basal body temperature is defined the body temperature when you first wake up in the morning. Your basal body temperature increases slowly up to a certain level after ovulation and stays there till the next period. If you make a chart to follow your basal body temperature and see an elevation for more than two weeks, you might be pregnant.
Are all these symptoms enough to say that you are pregnant?
The basic answer to this question is “no” because these signs are not unique to pregnancy. You might be getting sick so that you are experiencing these symptoms. If you experience the symptoms mentioned above, we suggest you take a home pregnancy test. If the result is positive, you should make an appointment with your doctor to confirm your pregnancy.
Read Pregnancy Miracle as a Pregnancy Miracle Book .
Jul 12, 14
The purchase of real estate is based upon people having jobs and earning money, and it seems that the real estate market in the United States is beginning to show some life, like it is being raised from the dead. The evidence comes from real estate agents around the country, as they are experiencing more activity, thus more sales.
Beth, a realtor from Norman, Oklahoma said that the numbers of people who are looking for houses in the Norman, Oklahoma City area are increasing, slowly, but increasing. She finds as she speaks with her clients, that most have been transferred and promoted.
Todd, from Phoenix, is a broker and he sees signs of hope, as listings are up and so are sales. Even though statistics show a fairly even growth line across the country, there are signs of growth here and there. Todd sees more self-employed people getting new homes, and upper management folks in major companies as the ones making the moves in home buying.
One big factor in the decision of many home buyers in the current market is the affordability of mortgages. This has remained as the best mortgage buying period in the 40 year history of the National Association of Realtors’ index of affordability. The fact that it is cheaper to purchase a house now than it ever has been is stimulating many people to jump in and take advantage of the bargain.
The price of homes overall is down to, as the current pricing is still 21 percent below fair market value on a nationwide basis. Coupled with the low financing costs, this factor offers a combination that has never been available since the Great Depression. For people who can get their act together on financing and all of the other details in buying a house, this is bargain days like have never been.
The credit conditions for mortgages have also eased slightly, so more people are able to qualify where just six months ago, that was not the case. Mortgage rates are starting to gradually rise, so banks tend to ease credit requirements, as rates go up, as they will have an increase in profits as this trend continues.
Another factor is that new college graduates and workforce members are entering the market as they nail down new jobs, and have good credit prospects. They take on starter homes, but that certainly helps them as well as the overall statistics on home buying. The average new home for younger couples and individuals may be $75,000 to $100,000 below what a middle aged couple with children would buy, but these people are entering the market too.
It is going to be interesting to see what occurs over the next six months to a year, with elections coming up, and the economy struggling with its ups and downs. The housing market is dependent on lots of factors tied to the overall economy, but the market for housing also has its own factors that drive the economy.
Jul 09, 14
Are you selling products on the Internet? You ought to look into utilizing social media to remain in touch with your audience and discover brand-new clients. Social Media sites are great for small companies to promote themselves espesially if their product is niche.
Specify your target audience and discover which social media sites are popular with your customers. Twitter and facebook are the most popular networks in the Western world however there are hundreds of other sites. Some social media sites are popular amongst a particular age group or subculture. You ought to check out some research studies about your target audience or ask your existing customers via a online survey to tell you what they use. Do not hesitate to join various social media sites to see what type of reaction you get from your audience before choosing which social network you will focus on to spread the word about your online store.
Do your rivals utilize social networks? You should make the effort to take a look at their pages. Focus on the sort of content they share and how commonly they share updates. You can discover a lot from your competitors’ methods and mistakes, but avoid sharing the exact same material and post your updates before they do if possible. You will need to offer consumers a reason to subscribe to your updates rather than that of your rivals’ for instance by providing a much better discount or sharing better material.
Focus on sharing quality content that is connected to your products and activities or pastimes your clients are interested in. You could write your own articles and share connected to your blog, take images of your products or create a series of videos or a Podcast if you are not a good writer. Be original and create content that is important and useful. You should also share information about your products and your promotional offers when you have these. If you desire more customers, try sharing voucher codes on social networks.
Running competitions via social networks such as Facebook is a great way to get people to see your products. A friend of mine runs a Personalized Photo Puzzle company and had great success running a “Win a Puzzle” competition on Facebook.
Draw attention to your social media advertising campaign by linking to your profiles on your main web site or blog. You should also include these links in the signature of your emails and list how your customer’s can contact you via these social media sites. Newsletters are another great place to promote your social media site links. Don’t be shy – let people know that they are welcome to contact you through these channels. You will certainly get your audience to subscribe to your update if you provide your social networking profiles as as a method of getting access to bargains and useful information.
Explore the various functions of each social media site you join and look for functionality within these sites which makes it easy for you to engage with your customers and visitors. Be creative and don’t think twice about experimenting. Your objective is to keep your audience interested by sharing original quality material and getting clients to connect with you. Social networks are quickly establishing themselves as the place to be with new social media opportunities presenting themselves every day. You should keeping in touch with the latest social media trends and not be reluctant to try brand-new websites or new strategies before your competitors do.
The key to a successful social media campaign is to get people interested in what you have to say through great shared content such as images, video and articles, and interactive events like online competitions and quizzes. The more interaction you can get, the more people will share your stuff with their friends and spread the word about your company. Adjust your methods to your audience and track your lead to ensure your new project has a positive effect. It’s amazing how much traffic you can drive to your online store from social media.
May 21, 14
Just about everybody likes pizza. Why not get creative and plant a pizza garden? Your garden can be as simple or as elaborate as you like. Here are a few ideas.
Draw A Big Circle
Start by drawing a big circle in the garden area where you wish to plant. This can be your “pizza”. Now lets go and get some great plants for our pizza.
A typical pizza incorporates tomatoes, garlic, onions, oregano and basil into the Pizza. Let’s start by planting these plants into our circle.
Planting Our Pizza
Start in the center and plant a plum tomato plant (plum tomatoes make ideal pizza sauce). You may want two or three of this tomato plant. We’re planting the tallest plants in the center and working our way around. Next you’ll want to plant some other tomato plant. We like yellow cherry tomatoes for a unique color combination on our pizza. Plant onions (depending on vairety some may be taller than tomato plants so switch the onions to the center if this is the case) around the tomato plants. Leave room to harvest and weed your plants.
Now it’s time to plant the garlic. After the garlic you’ll want to plant your basil and then the oregano. Go according to height and work your way around and out of your pizza circle.
Water your pizza garden as needed. Don’t let it dry out and don’t let it get too soggy.
Weed your pizza garden by hand. Be careful to not pull up any of the plants for your pizza.
As your tomatoes ripen you can begin making pizza’s. This is the fun part. Children will enjoy collecting the variety of ingredients out of the garden to make their pizza. Grab a few plum tomatoes and cook them up into a thick paste. This will become your pizza sauce. Throw in some torn leaves from the basil and oregano and add a bit of chopped onion (or even just some of the green tops) and some chopped garlic cloves. PUt this on your favorite pizza crust. Top with their favorite cheese and meat and some of the cherry tomatoes sliced in half.
Bake Your Pizza
Bake your pizza in a hot oven until the crust rises and the cheese melts. Eat and enjoy.
A pizza garden can last all summer long so the kids can enjoy many pizza’s throughout their summer gardening adventure.
End Of Summer
At the end of the summer you’ll want to harvest all of the plants except the oregano. Oregano will come back year after year so you can bring some of it in to dry out but you may wish to leave the bulk of the plant out side for the next season. Dry the basil. Pull the garlic and dry it for the season and pull the onions and dry those too. Plum tomatoes can be processed into sauce and cherry tomatoes can be put in the refrigerator to eat on salads until they are gone.