28Aug
0

divorce2

Dissolving a marriage is sometimes the best option for a family, but this does not make the process easy. Spouses can greatly disagree on child custody, alimony and dividing property, and settling a divorce in court can be time-consuming, messy and expensive. Partners who can make choices together and want to avoid the court process have other options at the end of a marriage.

Uncontested Divorce

When both parties agree about getting a divorce, the couple can make arrangements outside of a courtroom with an uncontested divorce. Both partners need to agree about issues like parenting time, spousal support and asset division. The couple must provide the state with proper documentation, and couples complete a consent decree that must comply with all statutes in a state and be drafted and filed correctly. Couples usually still need a lawyer when filing for an uncontested divorce because the documentation process can be complicated.

Collaborative Divorce

While this process is similar to an uncontested divorce, a collaborative divorce uses guidelines designed to keep communication open between spouses and help couples come up with solutions that will benefit the entire family. Each person in a couple must share all pertinent information with the other and form joint goals, and either party might work with an expert in fields like finance or child development to ensure a party is prepared for certain tasks after the divorce.

The final part of a collaborative divorce involves both partners using a separate attorney, and both attorneys agree to avoid litigation. Having separate lawyers makes sense to make sure each party has fair representation, but there is some worry that this method puts the focus on creating a settlement without litigating. Trying to force a resolution to wrap up the process could mean that both parties do not have an agreement in their best interests.

Mediation

Mediation shares some traits with the collaborative divorce approach because both parties must exercise full disclosure and focus on creating a plan for ending a marriage. Both parties work with one mediator who listens to each client and helps foster open communication. A mediator can help a couple develop skills for making decisions after the marriage is over, and this is useful when a couple must interact and make decisions together because of children. Both parties have control in this process while the mediator can intervene to facilitate conversation and solve disputes, and the mediator can also prepare the necessary paperwork for a divorce that the couple must approve.

When thinking about how to handle the end of a marriage, spouses must consider their situation and the needs of their family. There are benefits to divorcing without a court process, but a couple must be willing to work together and agree that divorce is the best option. Those who do want to use an alternative to the courts can have control over important decisions about their future and work to come up with a beneficial arrangement for everyone involved.

27Aug
0

The area of e-Commerce has become a crucial channel for running a complete business. Consumers expect the convenience of being able to browse and order products or services online, and gaining a reputation of a credible business owner demands it. Regardless of if your business is strictly online, or for those companies who are addressing the need from an expansion standpoint, there are 5 invaluable e-commerce business tips that you need to know in order to succeed.

Get Your Point Across In 30 Seconds Every Time

Online, there are innumerable opportunities for gaining customers. The challenge lies with capturing their attention long enough to make a lasting impression. Chance encounters with curious shoppers must be responded to succinctly and meaningfully. Remembering that less is more, helps a company advertise effectively and create new customers through identifying:

  • What you are offering

  • Why shoppers must act now; and

  • What’s in it for them

Customers who can easily identify what you’re selling, why they should buy and the benefits associated with their purchase, are patrons who will proceed with their online transactions.

Focus On One Thing, and Do It Well

According to this site, conducting business faster and better than the competition requires moxie and purposeful focus on one thing, and one thing only. Business owners are particularly susceptible to distractions that may adversely lead to multiple ventures. In regard to e-commerce, having software solutions in place to address how their online business will run will also help managers provide both focus and better customer service.

Proceed Like A Newbie

Acting like a start-up company regardless of tenure is an intelligent strategy for numerous reasons. It helps:

  • Maintain a low overhead

  • Allows for diligent cash flow management; and

  • Provides a reserve safety net

 A company is better off when expenses are minimal, which is why online companies enjoy lower costs.

No Pressure, No Diamonds

Essentially, successful businesses require hard work, perseverance and flexibility. This stands true when discussing online business as well. E-commerce takes dedication because it requires many layers of functionality in order to do business 24-hours a day. Moreover, peak shopping times like cyber-Monday require fierce competition and promotions like “free shipping”.

Recognize Your Own Game

Understanding that reputation is everything is an important aspect of recognizing your own game. Talking the talk, means having the ability to meet promises and either put-up or shut-up. Customers require genuity when it comes to who they’re dolling out the dollars to. Being forthcoming, is strategically a huge factor in how businesses last.

Following these 5 invaluable e-commerce business tips will help those new to online business stay focused and achieve their objectives, while they will also allow actively-successful websites to conduct e-business better than the competition. Implementing these techniques and delivering legitimate good-business practices will set your brand apart from the competition and allow you to dominate the niche in which you do business.

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26Aug
0

Keeping a home well ventilated, comfortably heated, cooled and as healthy as possible means having an ideal, balanced environment. Achieving this type of environment is possible by incorporating a heat transfer system into a residence in order to help existing heat sources work together and satisfactorily balance temperatures from room to room. Consistent temperatures correlate to dryer, warmer more comfortable conditions, more affordable energy bills and a healthier home.

How a heat transfer system works

Heat transfer systems, once installed into a home’s core ventilation system, allows occupants to manage their residential environment in the most efficient way possible. Heat transfer systems are designed with sophisticated ducting that quietly moves excessive heat from warmer areas to colder areas, effectively balancing temperatures. According to HRV, heat transfer systems also alleviate mold, improve air quality and reduce condensation altogether. Distributing warmer air to other areas of a home that may benefit from it, is both cost effective and energy efficient.

Methods of heat transfer

Heat transfer systems utilize heat, or energy from sources like fireplaces and heat pumps to create even temperatures throughout a home by moving warmer air to an area with cooler air. Methods of heat transfer include:

 

  • Conduction

  • Convection; and

  • Radiation

A heat transfer system works by way of convection, thereby allowing heat to flow in the form of energy and successfully transfer that heat from a warmer space to a cooler one.

The difference between heat transfer systems and radiant heating

Radiant heating comes prefabricated in many floating floor or laminate materials. The warmth felt from radiant heating comes directly from the source. For example, sub-floor heating systems, often found in bathrooms, typically use electrical conductors to heat the floor, and accordingly produce heat for an entire space. While radiant heating is an adequately efficient way of heating one space, heat transfer systems on the other hand, electrical at the source, differ because they transfer heat from a completely different location.

Efficiency of heat transfer systems

Although initial installation costs can be of consideration, heat transfer systems immediately produce cost-savings on utility and energy bills. These systems have the ability to minimize wasted energy through maintaining more consistent temperatures overall. Moreover, heat transfer systems may be eligible in some areas for tax credits for their energy efficiency benefits.

Alleviating cold, dampness and extra moisture or even mold in a home is not only visually beneficial, it provides a healthier environment to reside in. Heat transfer systems effectively dry areas of the home that are susceptible to these conditions by warming them and creating a more balanced environment that condensation will not be produced in. Further, heat transfer technology is an excellent solution in many demographic regions. Whether a home needs seasonal considerations, or from a design standpoint, construction materials require additional diligence, heat transfer systems can improve and accommodate many home challenges.

25Aug
0

After 100 episodes, “Hot in Cleveland” wants to give back to the fans. Send your best wishes to hot.tvland.com for your chance to win a signed script and $100. Then tune in for the show August 27th at 10/9C on TV Land. Hilarity is guaranteed to ensue.

25Aug
0

training

The information technology industry is growing exponentially worldwide especially in western countries. Any business, organization or enterprise that uses computers must employ some onsite IT staff. In a dynamic digital era, there is a demand for employees that have the latest certifications in computer studies.

Certification In Information Technology Specialties

Microsoft is considered one of the most popular publishers of operating systems for desktop computers and servers. According to this article, there is a growing demand for Microsoft certified professionals in the IT sector. The Microsoft Certified Solutions Associated (MSCA) certification is a skill that’s highly regarded in any information technology department of a business or organization. Such a program prepares individuals to handle all aspects of troubleshooting Microsoft operating systems. Help desk staff most likely need to have MSCA training in order to properly carry out their job duties. An upgrade to a Microsoft Certified Solutions Expert (MCSE) certification guarantees an advancement in an IT job position. MCSE training is available in specialties such as server infrastructure, private cloud computing, business intelligence and messaging.

Online IT Training

Courses for information technology certification can be taken online thanks to the latest e-Learning platforms. IT Students get most of their “hands on” experience by using computer apps and programming scripts rather than physical tools or equipment. Virtual labs are some of the most important features in online classes for Microsoft operating systems and other applications. For example, students might be assigned a project in which custom codes and commands must be written in order to reboot Windows operating systems.

Online classes for Microsoft training usually feature instructional videos with step by step procedures for executing scripts and other advanced configuration settings. IT students don’t even need to use textbooks because cloud based notes and other presentations provide all of the necessary resources. For example, students can retrieve notes in PDF format that could be viewed on desktop computers, tablets and mobile phones. Embedded hyperlinks also redirect students to files or pages featuring sample scripts, codes and other guidelines for resolving operating system issues on a desktop and server level.

Cloud Computing

There is a growing demand for cloud computing as an alternative to traditional hardware based computing. In other words, businesses don’t need to have onsite servers and other devices that process, store, receive and transmit data. Cloud computing essentially promotes the outsourcing of certain Information technology operations. However, there is still a need to employ onsite IT technicians who know how to sync computers and network hardware with virtual cloud networks. Cyber security is one of the major components of cloud networking and storage. Encryption is used to secure the transmission of data within a local area network as well as a virtual private network. Cloud computing also eliminates some of the costs of operating expensive onsite servers. Businesses can “lease” external servers that have multiple sources of backup power for 100 percent guaranteed up time. Cloud networking also promotes a transition from using paper documents to applying electronic files.

24Aug
0

No matter what your job or career, nobody can really “get it” unless they’ve been in your shoes. However, there are some career paths that are more misunderstood than others. Some are veritable joke factories in their own right, while others are plagued by stigmas that are seriously outdated. Don’t let impressions and stereotypes keep you from a job that piques your interest.

Instead, understand where the doubters are coming from and get the knowledge you need to educate them. Sometimes it’s sheer ignorance while sometimes they’re just poking fun. Regardless, let your passions and interests drive your career choices.

1. Writers

Most often with an English degree in tow, writers are used to be asked what they’ll do with such a pointless degree or when they’re going to start teaching. Nowadays, writing (especially in niches like SEO) can be a very lucrative career. Every single business needs writers, especially for web content, which makes this a recession-proof and high paying option.

2. Attorneys

Attorneys probably have more jokes written about them than any other profession. They’re supposed to have no compassion, thrive on draining clients of their money, and their ethics and morals are questionable at best. However, the best lawyers are very empathetic and truly want what’s best for their clients. Many engage in pro bono work and got into law because they want to help justice get served.

3. Doctors

Whether it’s the stereotype that they have a God complex or they’re all filthy rich, there’s a lot of misinformation about doctors. Once you account for the long hours, high malpractice insurance (which most doctors have to cover themselves) and the high price of medical school, doctors don’t get paid nearly as much as people think.

4. Waitstaff and bartenders

These positions are usually thought of as jobs and not careers; they’re something to do while a person goes to school or otherwise preps for a “real job.” However, at the right restaurants/bars and in the right city, waitstaff and bartenders can make a seriously impressive income. They deserve it considering the hard work and tough hours, but since a college degree isn’t required, there’s the added bonus of not being forced to go into debt.

There’s wrong information getting passed around about every type of job and career, and while most times it’s not a huge deal it can sometimes be troublesome. Instead of getting frustrated, focus on leading by example and transparency when talking about your work.

 

21Aug
0

If you can do pretty much anything online, why are you still leaving the house? It’s true: The internet is a dream come true for agoraphobics and those who prefer their own company to that of others. Of course it’s healthy to go out and be social, but at the same time why should you leave the house if you don’t have to? Plus, you get good karma points by lightening your carbon footprint, saving money on things like gas or public transportation and you can save the most precious commodity of all online: Time.

Sure, you might have a job that doesn’t offer a virtual environment, but you’re probably still leaving the house for unnecessary reasons. If you want to maximize your time and save money to boot, check out these things many people don’t realize they can do online:

1. See a doctor

There are certainly instance where a virtual check-in (even with video) isn’t going to work for your medical needs. However, for many routine check-ins or even a virtual session with a psychologist, it’s just as effective to do it online. Plus, with lower overhead your bills might even be lower if you’re paying out of pocket. If you have insurance, many reputable online doctors might be in your network.

2. Deal with the drycleaners

Check out your local drycleaners and you’ll likely find one that doesn’t just pick up and deliver, but lets you choose the dates and schedule online. That means no more scrambling for parking, leaving the house just to get your suit cleaned, or otherwise wasting precious time.

3. Taking the kids to school

You already know an online degree is a great option for adults, but did you know virtual schools are becoming more common for kids, too? With overcrowded schools, cyber bullying and classmates who are at different levels, many kids benefit from taking online courses. Just make sure they still get plenty of socialization, too.

4. Getting pampered

Who has time to drive across town to the salon? There are mobile salons gaining in popularity, and you can schedule one to stop by your house by making an online appointment. These are more common in major metros.

From scheduling online package pickups to scouring the internet for the perfect gift, you can do virtually anything online. It’s easy, you can find more affordable options, and you maximize the hours in the day.

21Aug
0

With skyrocketing energy bills and winter just around the corner, you should consider looking into alternative methods of heating your house. Your furnace might do the job, but is it affordable? Whether you use alternative heat sources in conjunction with your traditional furnace or you want to try something a little more energy efficient, there are plenty of choices out there to allow you to stay warm affordably.

Geothermal Heating Systems

These nifty little systems use the heat of the earth to warm your house. The stable temperature of the earth ranges from 45 to 75 degrees Fahrenheit depending on your home’s latitude, so the temperature inside the earth is often higher than the outside air thus taking less energy to get your house to a comfortable temperature. Big coils are buried and circulate a mixture of water and antifreeze. The liquid is heated to the temperature of the earth and then run through the house where a compressor pulls the heat from the water. These systems can also be used to cool your home in the summer, saving you from running the AC constantly. Up front costs can range from $7000 to $15000, but geothermals usually pay for themselves within six years of installation.

Pellet Stoves

If you love the intense heat from a wood stove but don’t like the smoky smell that accompanies it, you should look into a pellet stove. These stoves are heated with renewable resources like sawdust or switchgrass and can heat an entire house. Up front costs of a pellet stove range from $1500 to $3000, while pellets usually run about $150-$200 a ton. On average, you should expect to go through two to three tons of pellets, meaning your heating bills could only cost you around $600! If you can find a local source of pellets, your costs will be even less as a big portion of pellet costs are comprised of freight charges.

Ductless Heat Pumps

Most traditional heating systems use ducts, which means that the air comes from the furnace and blows through ducts that are installed throughout the house. A ductless system uses small cut outs in the wall in individual rooms. The heat pump will pull cooler air from different rooms of the house and flush it into warmer areas with quiet fans. You can choose to heat just a few areas of the house or the whole house, whereas a furnace will make you heat the entire house. The ductless system is energy efficient and saves you from the wear and tear of constantly running a furnace. According to this site, there’s even an $800 rebate for houses that upgrade to ductless systems.
Don’t feel stuck this winter with crippling heating bills. Thanks to technology, you have a choice to take charge of your energy consumption and keep your wallet full even through the coldest days of winter.

20Aug
0

houseflip

House flipping, the practice of buying investment properties and quickly reselling them for a profit became very popular in the early 2000s. Investors purchased homes in need of repair at lower-than-market value prices, fixed the problems in the home and then sold it for a profit. Although the term “flipping” was fairly new, the practice of buying and reselling houses as an investment has been in practice for many years.

Period of Unprofitable Flipping

Unfortunately, reality shows such as “Flip This House” and others made it appear as if house flipping was easy and extremely profitable. This led to a considerable number of people entering the real estate investment market attempting to flip houses quickly at tremendous profits. Many of those who entered the house flipping industry overlooked the basics in real estate investing and lost a considerable amount of money.

Common Mistakes

There are several common mistakes that people make when they decide to start investing in real estate, whether it’s to flip a house or commit to a long-term investment in rental property. The first is lack of adequate funding. Although some homes, especially those that need improvements, are offered with low or no money down financing terms, those deals are not easy to find. In addition, if you’re financing the purchase, you’ll be paying interest until the home is sold. In order to make a profit, the purchase price, cost of renovations and any additional costs, such as interest or taxes, must be less than the sale price for the home. It also takes time to perform the renovations, which may also include a need for building inspections that must be scheduled, as well as the time it takes to sell the home. You also need to be able to perform much of the work yourself as hiring professionals will significantly reduce your profits.

Industry Improvement

RealtyTrac released data earlier this year that indicates home flippers earned a 30 percent gross return on investment in the first three months of 2014, one of the highest levels in years. The best market for flipping a home was in Pittsburgh where the return on investment was an average of 89 percent. Philadelphia-Camden-Wilmington was the second best with a 56 percent return on investment. Experts say that a more stable housing market, slower new-home build market and fewer total home flips have led to the increase in profits in 2014. However, not all markets fared as well for house flipping. Indianapolis, for instance, showed a -12 percent return on investment for homes flipped in that area, while Tampa-Clearwater-St. Petersburg showed return of investment of -11 percent. However, experts caution that some markets had relatively few flipped houses and the cost of renovation was often not included in the data.

Although flipping houses can be hard work, if you have knowledge in construction, carpentry, plumbing and electrical work, you can earn good profits on real estate investment of homes that need repairs. According to this website, funding is available for those who are interested in entering the house flipping or other real estate investment market.

15Aug
0

nature

High-quality, science-based natural ingredients are the way forward to better health and wellness. These ingredients are manufactured in state-of-the-art facilities to the latest compendia of quality standards. According to this blog, these are available to the nutraceutical, pharmaceutical and functional food industries in a variety of products.

Nutritional Dietary Supplements

Dietary supplements come in a variety of forms, and it is important to buy products that are grown, collected and manufactured to the industry recommendations. Some of the most beneficial are:

• Aloe Vera – an inner-leaf freeze-dried powder that helps the gastrointestinal tract and supports an already healthy immune system. It also supports normal blood sugar, stomach acid and cholesterol levels. It is an anti-oxidant as well as one of the best burn repair products available.

• Beta-Carotene – is a well-known antioxidant that protects the body from damage that free radicals cause. It improves the reproductive and immune systems. It is converted in the body to Pro-vitamin A retinol.

• Vitamins – a whole range of top-quality vitamin supplements are available that meet the standards of being GMO-free, Animal-free, Allergen-free, GSE/TSE-free, Halal and Kosher. These products are suitable ingredients for any dietary supplement. Vitamin C protects the immune system and is part of the body’s process of manufacturing collagen for younger-looking skin. It also protects against cardiovascular disease and prenatal health problems. It’s derived from many different fruits and vegetables. Vitamin B complex contains the essential B vitamins to protect against heart disease and stroke. It’s essential for healthy hair, skin, liver and gastrointestinal tract.

• Minerals – calcium is one of the most important minerals in the human body. It not only strengthens teeth and bones, it also aids muscle contractions, blood clotting and transmission of nerve signals. Iron is essential for building red blood cells, and a deficiency in iron can lead to anemia.

• Amino Acids – there is a long list of essential amino acids for the optimal functioning of the body. They are required for cell replacement and a full spectrum can be found in fresh Atlantic salmon. This protein source is easy to digest and supports metabolic recovery and regeneration of muscle mass. It makes a significant difference towards wellness for people who are sports enthusiasts, elderly, diabetic or post-surgery. It can be used in conjunction with antibiotics, chemotherapy and other prescription medications.

• Soy protein isolate – provides all the essential amino acids and is low in fat and cholesterol-free. It is kosher, GMO-free and food-grade with a neutral flavor, which makes it ideal as a food or beverage additive.

In order to be beneficial, dietary supplements need to be easily digestible and taken in the proper doses. The technology today allows for these botanicals, amino acids, vitamins and minerals to be extracted and processed without losing their nutrients and other beneficial properties, so they can be packaged and delivered to consumers who want to improve their health and wellbeing. They are used in a wide variety of products manufactured for dietary food and nutritional supplements.

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