April 2022

How to Find the Best Office Cleaning Business Books and Startup Guides

Once you have made the decision to start an office cleaning business the next step should be to do some preliminary research in order to absorb as much information as you can on the topic. One great way to do this is to read some of the many’ start an office cleaning business’ books and e-books that are available.

Reading books by authors who have first hand experience of setting up and running office cleaning businesses is a great way to get some insights into the business. They can help you to know which direction to proceed in and tell you how to minimize some of the mistakes that new cleaning business owners often make. Below we discuss some of the things that your should consider when you are shopping around for office cleaning business books, guides and startup kits.

Firstly, you should realize that you can buy both books and e-books on the subject of ‘starting an office cleaning business’. While it is nice to order real paperback and hardback books that you can hold in your hand, don’t forget that e-books also offer many advantages. When you buy a guide online you will be able to download the information immediately instead of having to wait for a physical shipment. Some guides that you can buy online are actually full startup kits with numerous other resources that you are able to download. These bonuses often include office cleaning business forms, sample agreements, business plan samples, and lists of suppliers.

You should also consider your rights to get a refund should you discover that the report, book or guide that you ordered did not match your expectations. While it is possible to get a refund on a physical book shipment it is not always easy and the costs involved with returning books can make it hardly worthwhile. It is usually only possible to get a refund if you haven’t read the books and are returning them as new. With digital products however, it is often possible to get a full refund. If you check some of the websites that are offering commercial cleaning business guides for sale you will find that this is often the case.

Another detail worth examining before buying an information product is the author. There are many successful office cleaning business operators who have written guides designed to help newcomers to the industry get started and run their businesses successfully. Some of the tips and tricks that they offer are invaluable and you can learn a lot from their guidance. However there are also some guides that have been written by authors who are in fact not necessarily cleaners themselves. Rather, they are just researchers and interviewers who have put together a generic book on the subject. So before you buy you should read the description of the book and its author carefully to find out if they really do have relevant experience in …

Nonprofit Credit Counseling Services

Since its opening debut in 1950, credit card debt has been an ongoing problem as consumers began going into debt at an alarming rate. Trapped into unbearable terms and fees the cycle hasn’t changed much since inception. 85% of consumers in America have a household credit debt of $8k or higher, sources say.

Dreams aren’t much different today either. Like days before, the American dream to be debt free still sleeps on as we continue creating more and more debt with little hope to an end nearing of this vicious cycle. Unlike 1950 though, there are many different options available today to consumers who are genuinely tired of economic enslavement and are ready to get out of debt and stay out. Education, patience, and a relearning of behavior are key to success once one becomes debt free, to ensure they stay debt free.

Credit counseling, created by the federal government, was implemented to provide financial counseling services and assistance to consumers interested in exploring alternatives to becoming debt free. More affordable payback plans are established that cater to the consumers ability to pay and a goal of becoming debt free in 5 years or less.

Agencies that are nonprofit, have established strong relations with creditors to provide clients lower interest reductions, lower payments, and freedom from debt in 5 years. The consensus is, a true nonprofit is geared toward assisting consumers in paying back their debt without impaling the consumer with exorbitant fees for services. Nonprofit credit counseling organizations do charge nominal fees to cover administrative costs but most of the counseling service fees are paid by the lender themselves.

A certified credit counselor working for a nonprofit credit counseling agency will first assess your situation in a free financial analysis, outlining your debt to income ratio, assets and liabilities. Once your assessment is complete the counselor can then quote an affordable monthly payback plan that coincides with the creditor guidelines for debt consolidation. As the minimum monthly payment terms are agreed upon creditors then instill program benefits such as the stopping of fees and reduction to interest to lower fixed rates- usually in the single digits. This enables the consumer to payback the debt at a reasonable rate and within a reasonable time frame.

When Do You Need Credit Counseling?

You can’t pay the minimums on your credit cards.

The interest rates are too high and balances aren’t going down.

You want to improve your credit score by lowering your outstanding balances faster.

You’re consistently late paying one or more of your regular bills.

You’re being harassed by creditors and collection calls.

Your efforts to work out reasonable repayment plans with your creditors have failed.

Your accounts have gone more than 6 months past due and legal pursuit has been executed.

Speaking with a certified credit counselor and receiving a free financial analysis of your household budget and credit debt will give you a better idea of what options are available to you that are …

Keeping A Clean House

Owning a beautiful house requires a lot of personal responsibilities. It requires frequent cleaning in order to keep it spic and span. Sometimes, owners lack the motivation to clean and only act when the dirt is already unbearable. Others find it more convenient to hire house cleaning services, especially those who are always busy with work.

In reality, tidying up can be a fairly easy job if only an effective cleaning plan is practiced. There are helpful ways to maintain cleanliness. By focusing on a specific list of chores during weekdays and a different set on weekends, people will be able to find more convenience and fewer demands for the task.

Weekdays make up the busiest days of the week. It is barely possible to even clean the countertop after breakfast, or wash dishes after lunch. But to be able to maintain sanitation, it is essential to do these light chores regularly. Cleaning dishes, doing the laundry, taking out trash, and filing bills and other papers must be done on a daily basis. This way, you are able to get rid of clutter and move freely around the house, as well as prevent fungus and molds to grow on grimy tableware and soiled clothing.

Heavier and more time-consuming assignments are reserved for the weekend. Dusting walls, windows, and furniture is a way to avoid formation of cobwebs. Vacuuming the floor, especially carpeted ones, is another activity that can be done once weekly. Changing bed linens and wiping appliances are necessary too. The effects of these undertakings are beneficial not only to the life span of our possessions but also health-wise. It is also during non-working days that the garden can be tended. Following a schedule for a general clean-up in and around the house focuses on thoroughly covering all areas possible.

When it comes to house cleaning, there is absolutely no escape. It is impossible to hide away from the mess. The best one can do is to face it and find inspiration in order to be motivated to begin. Setting aside an hour or two a day for clean out alone would be a very useful tool in achieving a spotless abode. Once started, organizing becomes a habit. This will turn into an effortless activity along the way. In the end, you will be surprised to see how simple it is to keep a clean house and preserve its loveliness.…

The 7 Questions You Must Ask Before Hiring Your Next Janitorial Company

Is your current janitorial company’s idea of cleaning your building simply pulling the trash?

Are you tired of inconsistent or non-existent service? Does it bother you that different people are in your building each time it is cleaned? Is it frustrating you that when you call to complain, you are not getting your issues resolved?

If so, it is time to look for another janitorial company. But wait, haven’t you been through all of this before? Wouldn’t you like to find a janitorial company that you can build a long term relationship with, and feel like you are getting your money’s worth at the same time?

This can be done, and here are the seven questions you need to ask any prospective janitorial company:

1. Are you bonded and insured?

If you are dealing with a reputable janitorial company, they will have commercial general liability insurance. This covers your building, and your neighbor’s building for any damages that occur during the cleaning of your building.

We never like to think of anything bad happening, but if it does, the only way to protect your business is if your cleaning company had CGL (commercial general liability) insurance when you retained them.

Most state minimums for CGL insurance is $300,000.00 per occurrence. However, to be on the safe side, look for a company with at least $1 million in CGL insurance.

The bond covers employee dishonesty, such as theft or vandalism. Many bonds start out as low as $5,000.00 in coverage. Established companies will carry anywhere from $50,000.00 to $100,000.00 bonds.

You may ask for a copy of their bond and insurance during the bid process. If they cannot provide this, you should not consider their proposal.

2. Do you perform background checks and drug testing?

Again, this is a common practice with reputable cleaning companies. And they will be willing to provide you with this for each person in your building.

3. How long have you been in business?

Established companies will have references that span several years. Do you really want to open up your facility to a start up business?

Also, make sure that the managers or supervisors are full time. If you are dealing with someone who has a “day job” what will happen if you try to contact them while they are working their other job?

4. How many employees do you have?

This may seem like an odd question, but what if your cleaner is sick? Do they have a back-up plan to get your building cleaned?

5. What type of training do your personnel receive?

Is there a formal training program followed? Can they provide you with proof of this training? This can be the difference between a long term service and a “90 day wonder.”

6. What if I am unhappy with your service?

How easy is it to contact you? Is there 24 hour availability? How fast can a conflict be …

Can You Refinance Student Loans After Consolidation?

While you’re trying to get a college education, student loans can seem like a huge bonus, but once you are out of college, you’ll face the repayment on all those loans that you have taken out during your years of school. If you’re overwhelmed with your college loans, then you may be wondering if a consolidation loan is right for you. However, there are many things to consider before you take this route.

One of the big questions people have when it comes to consolidating loans is whether or not student loans can be refinanced after consolidation. Well, while the actual consolidation loan cannot be actually refinanced, you are able to consolidate a consolidation loan, but this can only be done once.

If you are going to consolidate the consolidation loan you already have, the only way you are able to do this is by adding on new loans that you have not consolidated. Two different consolidation loans can also be consolidated into just one loan, but you cannot just refinance it on it’s own.

Even if you do a reconsolidation, it doesn’t mean that the rates on your previous loan are going to be relocked. A special average interest rate formula that is weighted is used to figure out the interest rate.

If you are trying to work on consolidating your current student loans and you think you may want to switch lenders in the future, then you may want to exclude one of the loans you have from this new loan. This way, if you think you want to go to a different lender and reconsolidate, you have the option available to do that.…

Budgeting Money Tip: Cash Envelope System Meets the New World

Credit and debit cards can lure you into spending frenzy that can spiral out of control before you know it. Have you ever come to the end of the month and asked, “Where did all the money go?” The convenience of plastic has made it far too easy to make purchases that we might not make if we had to dip into our wallet and make a cash purchase.

Studies have shown that spending increases as the means to pay for an item becomes easier. In other words credit cards have made buying transactions easier, so we’re more likely to buy stuff without concern, until the bill comes at the end of the month! Likewise, new ‘pay with a wave’ credit cards will make it easier still and foster even more poor spending habits.

I’m a big believer in the notion that cash is king when it comes to paying for items. If you don’t have the cash, you can’t afford the item and shouldn’t buy it. Traditional means of budgeting to help curb spending is the Cash Envelope system. But there are clearly some disadvantages of that. There’s also a 21st century version of the Cash Envelope system called Virtual Envelopes. We’ll explore how you can implement a Virtual Envelope system using your budgeting worksheets.

Traditional Approach: Cash Envelopes for all your Spend Categories

One past useful money budgeting technique was to set up your saving and bill paying system using cash envelopes. Basically the cash envelope system consists of keeping separate envelopes for your spending categories and populating them with cash from your income source. Then when a bill comes due or you need to go shopping for food or an item you need, you simply pay for it with cash from the appropriate envelope.

The big advantage of cash envelopes is that, if you budget properly, you will always have the cash to pay a bill when it comes due. No more worrying about where the money will come from, be it for mortgage or rent, utilities, car payments, repairs, taxes, discretionary spending, etc.

However, there are many disadvantages of this old technique in keeping all that cash around. It’s cumbersome and simply not safe as you can easily accumulate hundreds or thousands of dollars in your cash envelopes. Just imagine the heartbreak and financial setback should something happen to all that cash.

Alternative Approach: Use Virtual Envelopes for most of your Spend Categories

In today’s electronic world, there’s a version of the envelope system that can take the old proven approach and revamp it for the 21st century: Virtual Envelopes. Built on the solid foundation of the Cash Envelope system, Virtual Envelopes works seamlessly with your existing cash envelopes and your budgeting worksheets. The only difference from Cash Envelopes is that for some budget categories you will now deposit the cash into your bank or credit union and manage those categories online, or “virtually.” Hence, the …

2 Investment Bubbles Ready To Pop!

In the early 2000’s, we had the technology bubble. More recently, we had the real estate bubble. Now, I see two new bubbles that may be developing – and may be putting your nest egg at risk. I’m talking about bonds and gold.

The reason I won’t be surprised if there ends up being a bubble in bonds is that I just saw a statistic stating that year to date close to $150 billion dollars has gone into bond mutual funds. And in the same time period, over $50 billion dollars have been taken out of stock-oriented mutual funds. If my math is correct, that’s about $100 billion dollars that has flown from money market accounts into bond mutual funds.

When you think about it, that’s the herd mentality in action. After all, the real estate bubble was at its peak when it seemed like everybody was jumping into real estate, with “flip this house” and “preconstruction condos” and “flip the contract” and all that craziness. When I see a huge migration of money into a particular area, to me, that means a bubble may be forming. This could be the case with bonds.

Interest rates are at historical lows. Bonds go down in market value when interest rates go up. So if you’ve got money in a bond mutual fund, you need to be very aware of any increase in interest rates, because a raise in interest rates will cause the value of your bond mutual fund to go down.

Note that I’m not talking about individual bonds. When you hold those until maturity, you get your money back even if the value goes down. You just need to be careful about bond mutual funds and all the money that’s flocking in to them. The question you want to ask yourself is “what’s my exit strategy? How will I know when it’s time to get out of my bond mutual fund?” Now is the time to develop your exit plan.

The other bubble that might be forming up is gold. If you haven’t heard, gold just hit an all-time high. It crossed over $1,300. And that makes me kind of nervous. I’m not worried that gold can’t or won’t go higher, and I’m certainly not suggesting that the floor is getting ready to fall out from under gold. I’m just talking about being careful. Right now, when the media is saturated with advertisements to buy gold and nationally syndicated radio talk show hosts are peddling gold, I’m reminded, again, of the real estate bubble.

Remember all that advertising for “make money in real estate seminars” and home study courses and workshops? They were all over the place. But I haven’t seen those kinds of advertisements lately, have you? That’s how I feel when I see “sell your gold”, and “we buy gold “and “get your gold coins” everywhere. When an investment is suddenly advertised all over the place, that suggests to me that …

It would be great to dream about having everything we want without the need to purchase them but that would never happen in reality that’s why we must get a job to earn for our expenditures. But there are times when this money is not enough so we rely on various lending companies – read from finnforbrukslån.com/ for more ideas on how to find affordable consumer loans available in Norway. You will find here different rates, terms, and costs offered so it would be a good idea to learn from them.

Finding the cheapest offers is not even easy to get because of various restrictions and requirements so how can we choose a lending company in Norway? I guess we just need to be more cautious and smart especially now that these lenders are highly competitive so they’ll have marketing techniques as well. That’s why you can see all sorts of promotions and these will make it hard for you to decide on what offer is the best and who you are going to believe.

Well, if your primary goal is to find a cheap offer, then you might have to consider personal loans because of more flexible options and cheaper costs, too. Keep in mind that requesting a fund is not always easy because lending companies vary in standards and policies so you’ll have to look at those factors as well. Anyway, the whole process would be lighter if you have a good rating that reflects your creditworthiness but there are also other factors that you have to deal with before sending out your applications.

Realistic Amount

Let’s try to be realistic when it comes to figures which means that we should only request funds that we can pay back since it would be an added expense to our usual obligations. We can calculate how much repayment we should deduct from our paycheck through DTI or debt-to-income ratio. This is a way to compare your monthly debt repayment and gross income.

Let’s assume that your gross income is $25,000 with a 38% DTI ratio so the cost of your debt would be $9,500. Given these figures, you will still have enough funding for other expenses so it would be nice if the ratio is lower. Repayments will not only be your obligation and it is just one of your expenditures so make sure that your pocket not be left with a zero balance.

Type of Personal Loan Offered

If you will apply for secured loans then be aware of the policies as well as requirements associated with this, especially when it comes to the collateral. Remember that if you failed to pay your obligations on time, the lender has all the rights to seize this property and you can’t complain since you signed the agreement. Due to the collateral involved, you may borrow a huge amount and this can be paid over a longer term so can surely pay this.

When you want to request small amounts, then you …